Home > The Citizens Bank Company > Performance and Condition Ratios
The Citizens Bank Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5644% | 2,984 |
| Cost of funding earning assets | 1.3277% | 2,435 |
| Net interest margin | 3.2367% | 2,779 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.1597% | 3,224 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.1437% | 1,799 |
| Return on assets (ROA) | 1.1425% | 1,774 |
| Pretax return on assets | 1.2108% | 2,113 |
| Return on Equity (ROE) | 11.9500% | 1,967 |
| Retained earnings to average equity (ytd only) | 7.9018% | 1,572 |
| Net charge-offs to loans | -0.0005% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.1074% | 2,717 |
| Assets per employee ($millions) | 6.4852% | 2,425 |
| Cash dividends to net income (ytd only)* | 33.8650% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1348% | 105 |
| Loan loss allowance to noncurrent loans | 2,462.5000% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 3,018 |
| Noncurrent loans to loans | 0.1273% | 2,882 |
| Net loans and leases to total assets | 59.9100% | 2,845 |
| Net loans and leases to deposits | 69.9755% | 2,892 |
| Net loans and leases to core deposits | 77.4417% | 2,884 |
| Total domestic deposits to total assets | 85.6200% | 2,132 |
| Equity capital to assets | 10.6393% | 1,658 |
| Core capital (leverage) ratio | 12.7101% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $307,308,200 | 2,396 |
| Average earning assets | $284,923,200 | 2,384 |
| Average equity | $29,385,600 | 2,297 |
| Average total loans | $190,665,600 | 2,356 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 2,938 |
| Cost of funding earning assets | 1.2673% | 2,231 |
| Net interest margin | 3.2235% | 2,861 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.0311% | 3,517 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1216% | 1,985 |
| Return on assets (ROA) | 1.1201% | 1,969 |
| Pretax return on assets | 1.3193% | 1,980 |
| Return on Equity (ROE) | 12.0500% | 2,113 |
| Retained earnings to average equity (ytd only) | 8.6776% | 1,773 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.4023% | 3,031 |
| Assets per employee ($millions) | 6.6010% | 2,246 |
| Cash dividends to net income (ytd only)* | 27.9861% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1579% | 107 |
| Loan loss allowance to noncurrent loans | 2,044.6367% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 2,945 |
| Noncurrent loans to loans | 0.1544% | 2,782 |
| Net loans and leases to total assets | 59.6800% | 2,879 |
| Net loans and leases to deposits | 67.9502% | 2,980 |
| Net loans and leases to core deposits | 75.4849% | 2,901 |
| Total domestic deposits to total assets | 87.8300% | 1,633 |
| Equity capital to assets | 9.1676% | 2,316 |
| Core capital (leverage) ratio | 12.4374% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $307,934,500 | 2,396 |
| Average earning assets | $285,437,500 | 2,381 |
| Average equity | $28,624,750 | 2,319 |
| Average total loans | $191,199,500 | 2,349 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 2,905 |
| Cost of funding earning assets | 1.1655% | 2,089 |
| Net interest margin | 3.2242% | 2,927 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 1.9433% | 3,730 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.1244% | 2,046 |
| Return on assets (ROA) | 1.1223% | 2,053 |
| Pretax return on assets | 1.3938% | 1,829 |
| Return on Equity (ROE) | 12.0200% | 2,152 |
| Retained earnings to average equity (ytd only) | 8.0520% | 1,942 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.4931% | 3,357 |
| Assets per employee ($millions) | 6.6656% | 2,157 |
| Cash dividends to net income (ytd only)* | 33.0069% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0817% | 125 |
| Loan loss allowance to noncurrent loans | 1,722.7405% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 2,756 |
| Noncurrent loans to loans | 0.1789% | 2,583 |
| Net loans and leases to total assets | 60.6100% | 2,716 |
| Net loans and leases to deposits | 70.5667% | 2,743 |
| Net loans and leases to core deposits | 76.3547% | 2,741 |
| Total domestic deposits to total assets | 85.8900% | 2,268 |
| Equity capital to assets | 9.7496% | 2,003 |
| Core capital (leverage) ratio | 12.2556% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $309,364,333 | 2,385 |
| Average earning assets | $287,078,333 | 2,387 |
| Average equity | $28,887,333 | 2,315 |
| Average total loans | $192,560,000 | 2,337 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 2,775 |
| Cost of funding earning assets | 1.0419% | 1,907 |
| Net interest margin | 3.2699% | 2,949 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.0429% | 3,513 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.1435% | 2,090 |
| Return on assets (ROA) | 1.1392% | 2,069 |
| Pretax return on assets | 1.3709% | 1,958 |
| Return on Equity (ROE) | 12.4700% | 2,102 |
| Retained earnings to average equity (ytd only) | 7.6099% | 2,330 |
| Net charge-offs to loans | -0.0021% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.6475% | 3,113 |
| Assets per employee ($millions) | 6.9982% | 1,983 |
| Cash dividends to net income (ytd only)* | 38.9831% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0084% | 123 |
| Loan loss allowance to noncurrent loans | 1,672.9107% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 2,733 |
| Noncurrent loans to loans | 0.1798% | 2,580 |
| Net loans and leases to total assets | 60.7800% | 2,573 |
| Net loans and leases to deposits | 68.2546% | 2,751 |
| Net loans and leases to core deposits | 74.9053% | 2,605 |
| Total domestic deposits to total assets | 89.0500% | 1,527 |
| Equity capital to assets | 9.4755% | 2,164 |
| Core capital (leverage) ratio | 12.0607% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $310,737,000 | 2,406 |
| Average earning assets | $288,695,000 | 2,405 |
| Average equity | $28,384,000 | 2,364 |
| Average total loans | $192,967,500 | 2,358 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 1,173 |
| Cost of funding earning assets | 0.4881% | 1,480 |
| Net interest margin | 3.7538% | 1,260 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.1395% | 3,197 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.3453% | 1,295 |
| Return on assets (ROA) | 1.3573% | 1,212 |
| Pretax return on assets | 1.5432% | 1,313 |
| Return on Equity (ROE) | 14.0200% | 1,525 |
| Retained earnings to average equity (ytd only) | 10.4574% | 1,018 |
| Net charge-offs to loans | 0.0219% | 1,629 |
| Credit loss provision to net charge-offs | 1,443.9024% | 341 |
| Earnings coverage of net charge-offs (x) | 126.8049% | 861 |
| Efficiency ratio | 55.3466% | 3,648 |
| Assets per employee ($millions) | 7.1263% | 1,876 |
| Cash dividends to net income (ytd only)* | 25.4159% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9817% | 120 |
| Loan loss allowance to noncurrent loans | 1,607.2626% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 2,725 |
| Noncurrent loans to loans | 0.1855% | 2,563 |
| Net loans and leases to total assets | 59.7100% | 2,659 |
| Net loans and leases to deposits | 69.1305% | 2,658 |
| Net loans and leases to core deposits | 75.0994% | 2,490 |
| Total domestic deposits to total assets | 86.3700% | 2,614 |
| Equity capital to assets | 8.7994% | 2,493 |
| Core capital (leverage) ratio | 11.6184% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $301,190,600 | 2,446 |
| Average earning assets | $280,463,000 | 2,441 |
| Average equity | $29,156,400 | 2,369 |
| Average total loans | $187,383,600 | 2,323 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 892 |
| Cost of funding earning assets | 0.3640% | 1,577 |
| Net interest margin | 3.8352% | 901 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.1082% | 3,189 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.3368% | 1,247 |
| Return on assets (ROA) | 1.3574% | 1,170 |
| Pretax return on assets | 1.6620% | 975 |
| Return on Equity (ROE) | 13.8900% | 1,459 |
| Retained earnings to average equity (ytd only) | 11.3681% | 950 |
| Net charge-offs to loans | 0.0373% | 1,128 |
| Credit loss provision to net charge-offs | 942.3077% | 422 |
| Earnings coverage of net charge-offs (x) | 79.6923% | 1,049 |
| Efficiency ratio | 53.1751% | 3,898 |
| Assets per employee ($millions) | 6.8945% | 2,025 |
| Cash dividends to net income (ytd only)* | 18.1848% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9438% | 138 |
| Loan loss allowance to noncurrent loans | 1,121.4712% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 2,461 |
| Noncurrent loans to loans | 0.2625% | 2,326 |
| Net loans and leases to total assets | 61.3100% | 2,376 |
| Net loans and leases to deposits | 69.1383% | 2,443 |
| Net loans and leases to core deposits | 73.2741% | 2,404 |
| Total domestic deposits to total assets | 88.6700% | 2,227 |
| Equity capital to assets | 7.4588% | 3,243 |
| Core capital (leverage) ratio | 11.5540% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $297,626,500 | 2,483 |
| Average earning assets | $277,251,500 | 2,474 |
| Average equity | $29,074,750 | 2,406 |
| Average total loans | $185,985,500 | 2,339 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 763 |
| Cost of funding earning assets | 0.3439% | 1,324 |
| Net interest margin | 3.7580% | 824 |
| Noninterest income to average assets | 0.3862% | 2,837 |
| Noninterest expense to average assets | 2.1149% | 3,112 |
| Loan and lease loss provision to assets | 0.1556% | 602 |
| Net operating income to assets | 1.3560% | 1,009 |
| Return on assets (ROA) | 1.3560% | 991 |
| Pretax return on assets | 1.6266% | 889 |
| Return on Equity (ROE) | 12.8427% | 1,425 |
| Retained earnings to average equity (ytd only) | 10.5496% | 887 |
| Net charge-offs to loans | 0.0022% | 2,022 |
| Credit loss provision to net charge-offs | 11,500.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 1,317.5000% | 92 |
| Efficiency ratio | 54.2694% | 3,939 |
| Assets per employee ($millions) | 7.3092% | 1,732 |
| Cash dividends to net income (ytd only)* | 17.8554% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9239% | 151 |
| Loan loss allowance to noncurrent loans | 1,050.4836% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 2,499 |
| Noncurrent loans to loans | 0.2783% | 2,354 |
| Net loans and leases to total assets | 60.1703% | 2,306 |
| Net loans and leases to deposits | 68.2232% | 2,374 |
| Net loans and leases to core deposits | 72.4719% | 2,288 |
| Total domestic deposits to total assets | 88.1963% | 2,498 |
| Equity capital to assets | 8.6050% | 2,688 |
| Core capital (leverage) ratio | 11.5596% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,715,333 | 2,507 |
| Average earning assets | $276,265,333 | 2,500 |
| Average equity | $31,224,000 | 2,354 |
| Average total loans | $184,106,333 | 2,355 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 776 |
| Cost of funding earning assets | 0.3295% | 1,383 |
| Net interest margin | 3.6693% | 792 |
| Noninterest income to average assets | 0.3677% | 2,889 |
| Noninterest expense to average assets | 2.1747% | 2,909 |
| Loan and lease loss provision to assets | 0.1498% | 524 |
| Net operating income to assets | 1.2406% | 1,141 |
| Return on assets (ROA) | 1.2406% | 1,128 |
| Pretax return on assets | 1.4857% | 1,041 |
| Return on Equity (ROE) | 10.7358% | 1,715 |
| Retained earnings to average equity (ytd only) | 8.7796% | 1,336 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0765% | 3,771 |
| Assets per employee ($millions) | 6.6799% | 2,238 |
| Cash dividends to net income (ytd only)* | 18.2217% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9278% | 168 |
| Loan loss allowance to noncurrent loans | 1,013.9313% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 2,554 |
| Noncurrent loans to loans | 0.2888% | 2,437 |
| Net loans and leases to total assets | 59.9328% | 2,076 |
| Net loans and leases to deposits | 67.3117% | 2,215 |
| Net loans and leases to core deposits | 71.4737% | 2,158 |
| Total domestic deposits to total assets | 89.0377% | 2,065 |
| Equity capital to assets | 10.6860% | 1,499 |
| Core capital (leverage) ratio | 11.7450% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,735,000 | 2,525 |
| Average earning assets | $275,584,500 | 2,518 |
| Average equity | $33,942,500 | 2,287 |
| Average total loans | $183,286,000 | 2,352 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 1,173 |
| Cost of funding earning assets | 0.3673% | 1,784 |
| Net interest margin | 3.7236% | 1,158 |
| Noninterest income to average assets | 0.3727% | 3,197 |
| Noninterest expense to average assets | 2.3494% | 2,661 |
| Loan and lease loss provision to assets | 0.1969% | 558 |
| Net operating income to assets | 1.1561% | 2,081 |
| Return on assets (ROA) | 1.1629% | 2,109 |
| Pretax return on assets | 1.3529% | 2,194 |
| Return on Equity (ROE) | 9.5785% | 2,691 |
| Retained earnings to average equity (ytd only) | 6.7337% | 2,026 |
| Net charge-offs to loans | -0.0011% | 3,291 |
| Credit loss provision to net charge-offs | -28,500.0000% | 4,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3764% | 3,100 |
| Assets per employee ($millions) | 6.3816% | 2,422 |
| Cash dividends to net income (ytd only)* | 29.7000% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8108% | 185 |
| Loan loss allowance to noncurrent loans | 3,539.4558% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,638 |
| Noncurrent loans to loans | 0.0794% | 3,528 |
| Net loans and leases to total assets | 61.2848% | 2,036 |
| Net loans and leases to deposits | 71.0207% | 2,019 |
| Net loans and leases to core deposits | 74.3279% | 2,051 |
| Total domestic deposits to total assets | 86.2914% | 2,804 |
| Equity capital to assets | 12.4260% | 1,086 |
| Core capital (leverage) ratio | 11.4170% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,524,200 | 2,485 |
| Average earning assets | $273,582,000 | 2,465 |
| Average equity | $35,151,800 | 2,285 |
| Average total loans | $184,709,000 | 2,346 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 1,340 |
| Cost of funding earning assets | 0.3684% | 1,951 |
| Net interest margin | 3.7151% | 1,309 |
| Noninterest income to average assets | 0.3674% | 3,260 |
| Noninterest expense to average assets | 2.2570% | 2,871 |
| Loan and lease loss provision to assets | 0.1709% | 636 |
| Net operating income to assets | 1.1365% | 2,414 |
| Return on assets (ROA) | 1.1442% | 2,453 |
| Pretax return on assets | 1.4631% | 2,102 |
| Return on Equity (ROE) | 9.4808% | 2,942 |
| Retained earnings to average equity (ytd only) | 6.7583% | 2,514 |
| Net charge-offs to loans | -0.0007% | 3,103 |
| Credit loss provision to net charge-offs | -37,000.0000% | 4,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1498% | 3,238 |
| Assets per employee ($millions) | 5.9887% | 2,710 |
| Cash dividends to net income (ytd only)* | 28.7157% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7467% | 205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 60.3535% | 2,208 |
| Net loans and leases to deposits | 68.9037% | 2,343 |
| Net loans and leases to core deposits | 72.0614% | 2,420 |
| Total domestic deposits to total assets | 87.5910% | 2,067 |
| Equity capital to assets | 12.1623% | 1,324 |
| Core capital (leverage) ratio | 11.2369% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,516,750 | 2,509 |
| Average earning assets | $272,898,500 | 2,490 |
| Average equity | $34,820,500 | 2,330 |
| Average total loans | $184,609,500 | 2,387 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0189% | 1,528 |
| Cost of funding earning assets | 0.3707% | 2,131 |
| Net interest margin | 3.6482% | 1,474 |
| Noninterest income to average assets | 0.3570% | 3,327 |
| Noninterest expense to average assets | 2.2784% | 2,829 |
| Loan and lease loss provision to assets | 0.2161% | 497 |
| Net operating income to assets | 1.0485% | 2,730 |
| Return on assets (ROA) | 1.0485% | 2,804 |
| Pretax return on assets | 1.3204% | 2,581 |
| Return on Equity (ROE) | 8.7111% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.5237% | 2,242 |
| Net charge-offs to loans | 0.0399% | 1,232 |
| Credit loss provision to net charge-offs | 837.8378% | 521 |
| Earnings coverage of net charge-offs (x) | 59.5676% | 976 |
| Efficiency ratio | 59.7222% | 3,052 |
| Assets per employee ($millions) | 5.5067% | 3,118 |
| Cash dividends to net income (ytd only)* | 13.6303% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6466% | 228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 60.6626% | 2,342 |
| Net loans and leases to deposits | 69.0298% | 2,512 |
| Net loans and leases to core deposits | 72.1370% | 2,593 |
| Total domestic deposits to total assets | 87.8788% | 1,900 |
| Equity capital to assets | 11.9389% | 1,397 |
| Core capital (leverage) ratio | 11.1383% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,873,000 | 2,511 |
| Average earning assets | $271,917,667 | 2,497 |
| Average equity | $34,530,667 | 2,337 |
| Average total loans | $185,443,333 | 2,389 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 1,453 |
| Cost of funding earning assets | 0.3698% | 2,356 |
| Net interest margin | 3.7009% | 1,330 |
| Noninterest income to average assets | 0.3380% | 3,413 |
| Noninterest expense to average assets | 2.3705% | 2,590 |
| Loan and lease loss provision to assets | 0.1562% | 820 |
| Net operating income to assets | 1.0667% | 2,582 |
| Return on assets (ROA) | 1.0667% | 2,661 |
| Pretax return on assets | 1.3223% | 2,511 |
| Return on Equity (ROE) | 8.8236% | 3,096 |
| Retained earnings to average equity (ytd only) | 8.1304% | 2,196 |
| Net charge-offs to loans | 0.0668% | 875 |
| Credit loss provision to net charge-offs | 354.8387% | 695 |
| Earnings coverage of net charge-offs (x) | 33.5806% | 1,052 |
| Efficiency ratio | 61.5867% | 2,826 |
| Assets per employee ($millions) | 5.3075% | 3,328 |
| Cash dividends to net income (ytd only)* | 7.8562% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5360% | 245 |
| Loan loss allowance to noncurrent loans | 47,100.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 4,379 |
| Noncurrent loans to loans | 0.0054% | 4,305 |
| Net loans and leases to total assets | 63.1578% | 2,151 |
| Net loans and leases to deposits | 71.7165% | 2,339 |
| Net loans and leases to core deposits | 75.0622% | 2,424 |
| Total domestic deposits to total assets | 88.0658% | 1,817 |
| Equity capital to assets | 11.8504% | 1,359 |
| Core capital (leverage) ratio | 11.5217% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,628,000 | 2,532 |
| Average earning assets | $267,181,000 | 2,508 |
| Average equity | $34,045,000 | 2,345 |
| Average total loans | $185,519,000 | 2,394 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4154% | 1,542 |
| Cost of funding earning assets | 0.5272% | 2,769 |
| Net interest margin | 3.8882% | 1,250 |
| Noninterest income to average assets | 0.3715% | 3,259 |
| Noninterest expense to average assets | 2.5624% | 2,667 |
| Loan and lease loss provision to assets | 0.2374% | 1,638 |
| Net operating income to assets | 1.0449% | 2,123 |
| Return on assets (ROA) | 1.0486% | 2,250 |
| Pretax return on assets | 1.2266% | 2,240 |
| Return on Equity (ROE) | 8.3145% | 2,683 |
| Retained earnings to average equity (ytd only) | 5.9049% | 1,840 |
| Net charge-offs to loans | 0.0423% | 2,212 |
| Credit loss provision to net charge-offs | 789.4737% | 912 |
| Earnings coverage of net charge-offs (x) | 48.5395% | 1,228 |
| Efficiency ratio | 63.7088% | 2,864 |
| Assets per employee ($millions) | 4.9402% | 3,452 |
| Cash dividends to net income (ytd only)* | 28.9811% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4990% | 266 |
| Loan loss allowance to noncurrent loans | 10,067.3913% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 4,317 |
| Noncurrent loans to loans | 0.0248% | 4,228 |
| Net loans and leases to total assets | 65.3110% | 2,183 |
| Net loans and leases to deposits | 74.6652% | 2,416 |
| Net loans and leases to core deposits | 78.9002% | 2,466 |
| Total domestic deposits to total assets | 87.4719% | 1,719 |
| Equity capital to assets | 12.3354% | 1,402 |
| Core capital (leverage) ratio | 11.6001% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,729,400 | 2,562 |
| Average earning assets | $237,282,400 | 2,542 |
| Average equity | $31,872,000 | 2,395 |
| Average total loans | $179,467,800 | 2,417 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4443% | 1,720 |
| Cost of funding earning assets | 0.5596% | 2,869 |
| Net interest margin | 3.8846% | 1,390 |
| Noninterest income to average assets | 0.3772% | 3,196 |
| Noninterest expense to average assets | 2.5866% | 2,572 |
| Loan and lease loss provision to assets | 0.1731% | 2,254 |
| Net operating income to assets | 0.9598% | 2,490 |
| Return on assets (ROA) | 0.9645% | 2,604 |
| Pretax return on assets | 1.2617% | 2,187 |
| Return on Equity (ROE) | 7.6016% | 2,963 |
| Retained earnings to average equity (ytd only) | 5.2466% | 2,455 |
| Net charge-offs to loans | -0.0030% | 3,946 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4193% | 2,671 |
| Assets per employee ($millions) | 4.8514% | 3,430 |
| Cash dividends to net income (ytd only)* | 30.9804% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3752% | 272 |
| Loan loss allowance to noncurrent loans | 3,516.6667% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 4,202 |
| Noncurrent loans to loans | 0.0675% | 4,103 |
| Net loans and leases to total assets | 68.2550% | 2,202 |
| Net loans and leases to deposits | 78.0430% | 2,528 |
| Net loans and leases to core deposits | 84.3298% | 2,444 |
| Total domestic deposits to total assets | 87.4581% | 1,471 |
| Equity capital to assets | 12.3609% | 1,483 |
| Core capital (leverage) ratio | 11.6760% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,749,250 | 2,584 |
| Average earning assets | $231,094,250 | 2,571 |
| Average equity | $31,308,500 | 2,411 |
| Average total loans | $178,006,250 | 2,426 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5744% | 1,713 |
| Cost of funding earning assets | 0.5917% | 3,006 |
| Net interest margin | 3.9827% | 1,367 |
| Noninterest income to average assets | 0.3732% | 3,239 |
| Noninterest expense to average assets | 2.6910% | 2,411 |
| Loan and lease loss provision to assets | 0.2208% | 1,893 |
| Net operating income to assets | 0.9048% | 2,670 |
| Return on assets (ROA) | 0.9048% | 2,797 |
| Pretax return on assets | 1.1797% | 2,429 |
| Return on Equity (ROE) | 7.0633% | 3,106 |
| Retained earnings to average equity (ytd only) | 5.3202% | 2,340 |
| Net charge-offs to loans | -0.0080% | 4,145 |
| Credit loss provision to net charge-offs | -3,785.7143% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7707% | 2,556 |
| Assets per employee ($millions) | 4.6072% | 3,638 |
| Cash dividends to net income (ytd only)* | 24.6777% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3604% | 267 |
| Loan loss allowance to noncurrent loans | 3,342.7481% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 4,281 |
| Noncurrent loans to loans | 0.0706% | 4,182 |
| Net loans and leases to total assets | 68.9781% | 2,190 |
| Net loans and leases to deposits | 78.8134% | 2,571 |
| Net loans and leases to core deposits | 86.9847% | 2,353 |
| Total domestic deposits to total assets | 87.5207% | 1,409 |
| Equity capital to assets | 12.3498% | 1,456 |
| Core capital (leverage) ratio | 11.6471% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,057,000 | 2,606 |
| Average earning assets | $224,118,000 | 2,594 |
| Average equity | $30,750,667 | 2,426 |
| Average total loans | $175,157,333 | 2,432 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 1,388 |
| Cost of funding earning assets | 0.5558% | 3,660 |
| Net interest margin | 4.2560% | 827 |
| Noninterest income to average assets | 0.4021% | 3,082 |
| Noninterest expense to average assets | 2.9653% | 1,969 |
| Loan and lease loss provision to assets | 0.2186% | 1,416 |
| Net operating income to assets | 0.8008% | 2,906 |
| Return on assets (ROA) | 0.8008% | 2,997 |
| Pretax return on assets | 1.1679% | 2,309 |
| Return on Equity (ROE) | 6.1250% | 3,274 |
| Retained earnings to average equity (ytd only) | 3.9987% | 2,681 |
| Net charge-offs to loans | -0.0259% | 4,416 |
| Credit loss provision to net charge-offs | -1,136.3636% | 3,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1398% | 2,643 |
| Assets per employee ($millions) | 4.1192% | 3,759 |
| Cash dividends to net income (ytd only)* | 34.7162% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5059% | 243 |
| Loan loss allowance to noncurrent loans | 6,428.7879% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 4,476 |
| Noncurrent loans to loans | 0.0390% | 4,403 |
| Net loans and leases to total assets | 71.5641% | 1,988 |
| Net loans and leases to deposits | 82.1223% | 2,438 |
| Net loans and leases to core deposits | 92.1488% | 2,137 |
| Total domestic deposits to total assets | 87.1433% | 1,494 |
| Equity capital to assets | 12.6564% | 1,642 |
| Core capital (leverage) ratio | 13.1932% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,780,000 | 2,643 |
| Average earning assets | $212,312,500 | 2,643 |
| Average equity | $29,910,000 | 2,458 |
| Average total loans | $169,974,500 | 2,453 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9126% | 1,719 |
| Cost of funding earning assets | 0.5156% | 4,021 |
| Net interest margin | 4.3970% | 897 |
| Noninterest income to average assets | 0.4363% | 3,073 |
| Noninterest expense to average assets | 2.7779% | 2,675 |
| Loan and lease loss provision to assets | 0.3097% | 527 |
| Net operating income to assets | 1.1672% | 2,188 |
| Return on assets (ROA) | 1.1701% | 2,276 |
| Pretax return on assets | 1.4051% | 2,137 |
| Return on Equity (ROE) | 8.8674% | 2,810 |
| Retained earnings to average equity (ytd only) | 6.4632% | 1,629 |
| Net charge-offs to loans | 0.0371% | 2,643 |
| Credit loss provision to net charge-offs | 1,134.4262% | 305 |
| Earnings coverage of net charge-offs (x) | 62.6885% | 958 |
| Efficiency ratio | 61.8820% | 3,399 |
| Assets per employee ($millions) | 3.9118% | 4,016 |
| Cash dividends to net income (ytd only)* | 27.1128% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4070% | 246 |
| Loan loss allowance to noncurrent loans | 6,222.7273% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 4,501 |
| Noncurrent loans to loans | 0.0387% | 4,409 |
| Net loans and leases to total assets | 73.3934% | 1,858 |
| Net loans and leases to deposits | 87.3144% | 1,934 |
| Net loans and leases to core deposits | 92.9651% | 2,165 |
| Total domestic deposits to total assets | 84.0564% | 2,833 |
| Equity capital to assets | 13.4979% | 1,274 |
| Core capital (leverage) ratio | 12.8655% | 1,297 |
| Tier 1 risk-based capital ratio | 19.0807% | 1,493 |
| Total risk-based capital ratio | 20.3477% | 1,468 |
| Memoranda: | ||
| Average total assets | $223,476,600 | 2,632 |
| Average earning assets | $205,979,600 | 2,645 |
| Average equity | $29,490,200 | 2,423 |
| Average total loans | $164,222,400 | 2,466 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8705% | 1,916 |
| Cost of funding earning assets | 0.4872% | 4,193 |
| Net interest margin | 4.3833% | 983 |
| Noninterest income to average assets | 0.4420% | 3,067 |
| Noninterest expense to average assets | 2.6987% | 2,870 |
| Loan and lease loss provision to assets | 0.2126% | 817 |
| Net operating income to assets | 1.1910% | 2,231 |
| Return on assets (ROA) | 1.1948% | 2,290 |
| Pretax return on assets | 1.5661% | 1,759 |
| Return on Equity (ROE) | 9.1073% | 2,842 |
| Retained earnings to average equity (ytd only) | 7.7332% | 1,526 |
| Net charge-offs to loans | 0.0377% | 2,334 |
| Credit loss provision to net charge-offs | 771.7391% | 446 |
| Earnings coverage of net charge-offs (x) | 64.3931% | 1,017 |
| Efficiency ratio | 60.3374% | 3,576 |
| Assets per employee ($millions) | 3.9302% | 3,983 |
| Cash dividends to net income (ytd only)* | 15.0876% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2403% | 311 |
| Loan loss allowance to noncurrent loans | 2,540.2685% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 4,292 |
| Noncurrent loans to loans | 0.0882% | 4,251 |
| Net loans and leases to total assets | 72.4572% | 2,093 |
| Net loans and leases to deposits | 86.6020% | 2,122 |
| Net loans and leases to core deposits | 91.6735% | 2,396 |
| Total domestic deposits to total assets | 83.6669% | 2,946 |
| Equity capital to assets | 13.4343% | 1,389 |
| Core capital (leverage) ratio | 12.9357% | 1,369 |
| Tier 1 risk-based capital ratio | 18.2151% | 1,757 |
| Total risk-based capital ratio | 19.4786% | 1,719 |
| Memoranda: | ||
| Average total assets | $222,624,000 | 2,658 |
| Average earning assets | $204,710,500 | 2,677 |
| Average equity | $29,206,500 | 2,452 |
| Average total loans | $162,621,250 | 2,506 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8197% | 2,001 |
| Cost of funding earning assets | 0.4278% | 4,402 |
| Net interest margin | 4.3919% | 956 |
| Noninterest income to average assets | 0.4465% | 2,977 |
| Noninterest expense to average assets | 2.6978% | 2,913 |
| Loan and lease loss provision to assets | 0.1313% | 1,428 |
| Net operating income to assets | 1.2086% | 2,122 |
| Return on assets (ROA) | 1.2108% | 2,172 |
| Pretax return on assets | 1.6455% | 1,409 |
| Return on Equity (ROE) | 9.3060% | 2,722 |
| Retained earnings to average equity (ytd only) | 7.6495% | 1,541 |
| Net charge-offs to loans | 0.0100% | 2,772 |
| Credit loss provision to net charge-offs | 1,812.5000% | 210 |
| Earnings coverage of net charge-offs (x) | 244.8750% | 330 |
| Efficiency ratio | 60.3281% | 3,678 |
| Assets per employee ($millions) | 3.4206% | 4,583 |
| Cash dividends to net income (ytd only)* | 17.8010% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1700% | 345 |
| Loan loss allowance to noncurrent loans | 1,779.8030% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 4,197 |
| Noncurrent loans to loans | 0.1219% | 4,133 |
| Net loans and leases to total assets | 73.2595% | 2,013 |
| Net loans and leases to deposits | 88.5075% | 1,938 |
| Net loans and leases to core deposits | 89.5404% | 2,633 |
| Total domestic deposits to total assets | 82.7721% | 3,282 |
| Equity capital to assets | 13.3437% | 1,410 |
| Core capital (leverage) ratio | 13.0764% | 1,260 |
| Tier 1 risk-based capital ratio | 17.8238% | 1,849 |
| Total risk-based capital ratio | 19.0860% | 1,800 |
| Memoranda: | ||
| Average total assets | $220,847,330 | 2,680 |
| Average earning assets | $202,420,000 | 2,713 |
| Average equity | $28,734,000 | 2,470 |
| Average total loans | $160,510,330 | 2,533 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 1,918 |
| Cost of funding earning assets | 0.3958% | 4,501 |
| Net interest margin | 4.3994% | 905 |
| Noninterest income to average assets | 0.4452% | 2,873 |
| Noninterest expense to average assets | 2.7242% | 2,834 |
| Loan and lease loss provision to assets | 0.0818% | 2,066 |
| Net operating income to assets | 1.2031% | 2,040 |
| Return on assets (ROA) | 1.2031% | 2,092 |
| Pretax return on assets | 1.6392% | 1,372 |
| Return on Equity (ROE) | 9.3678% | 2,642 |
| Retained earnings to average equity (ytd only) | 6.8348% | 2,106 |
| Net charge-offs to loans | 0.0127% | 2,242 |
| Credit loss provision to net charge-offs | 900.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 189.4000% | 410 |
| Efficiency ratio | 61.2837% | 3,639 |
| Assets per employee ($millions) | 3.9230% | 4,039 |
| Cash dividends to net income (ytd only)* | 27.0393% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2197% | 347 |
| Loan loss allowance to noncurrent loans | 1,715.1220% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 4,252 |
| Noncurrent loans to loans | 0.1294% | 4,157 |
| Net loans and leases to total assets | 69.2634% | 2,585 |
| Net loans and leases to deposits | 85.3838% | 2,203 |
| Net loans and leases to core deposits | 86.1513% | 2,857 |
| Total domestic deposits to total assets | 81.1201% | 3,947 |
| Equity capital to assets | 12.8463% | 1,543 |
| Core capital (leverage) ratio | 12.9919% | 1,278 |
| Tier 1 risk-based capital ratio | 17.9830% | 1,793 |
| Total risk-based capital ratio | 19.2453% | 1,755 |
| Memoranda: | ||
| Average total assets | $220,102,500 | 2,724 |
| Average earning assets | $200,116,500 | 2,761 |
| Average equity | $28,267,000 | 2,505 |
| Average total loans | $157,517,500 | 2,595 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7572% | 1,654 |
| Cost of funding earning assets | 0.3529% | 4,267 |
| Net interest margin | 4.4043% | 926 |
| Noninterest income to average assets | 0.4429% | 3,150 |
| Noninterest expense to average assets | 2.6982% | 3,029 |
| Loan and lease loss provision to assets | 0.4348% | 299 |
| Net operating income to assets | 1.1857% | 2,236 |
| Return on assets (ROA) | 1.1954% | 2,188 |
| Pretax return on assets | 1.3871% | 2,184 |
| Return on Equity (ROE) | 9.4373% | 2,774 |
| Retained earnings to average equity (ytd only) | 7.7526% | 1,347 |
| Net charge-offs to loans | 0.0168% | 3,128 |
| Credit loss provision to net charge-offs | 3,684.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 153.4000% | 554 |
| Efficiency ratio | 59.8429% | 3,884 |
| Assets per employee ($millions) | 4.0866% | 3,764 |
| Cash dividends to net income (ytd only)* | 17.8515% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2191% | 321 |
| Loan loss allowance to noncurrent loans | 2,348.6486% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 4,374 |
| Noncurrent loans to loans | 0.0945% | 4,324 |
| Net loans and leases to total assets | 70.7141% | 2,457 |
| Net loans and leases to deposits | 87.0738% | 2,155 |
| Net loans and leases to core deposits | 87.8791% | 2,762 |
| Total domestic deposits to total assets | 81.2117% | 3,839 |
| Equity capital to assets | 12.8389% | 1,420 |
| Core capital (leverage) ratio | 12.7914% | 1,323 |
| Tier 1 risk-based capital ratio | 18.1163% | 1,728 |
| Total risk-based capital ratio | 19.3787% | 1,680 |
| Memoranda: | ||
| Average total assets | $211,808,200 | 2,754 |
| Average earning assets | $195,536,000 | 2,757 |
| Average equity | $26,829,800 | 2,520 |
| Average total loans | $148,714,200 | 2,660 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7166% | 1,623 |
| Cost of funding earning assets | 0.3367% | 4,262 |
| Net interest margin | 4.3800% | 942 |
| Noninterest income to average assets | 0.4463% | 3,192 |
| Noninterest expense to average assets | 2.6683% | 3,073 |
| Loan and lease loss provision to assets | 0.1614% | 1,193 |
| Net operating income to assets | 1.2180% | 2,163 |
| Return on assets (ROA) | 1.2205% | 2,151 |
| Pretax return on assets | 1.6637% | 1,371 |
| Return on Equity (ROE) | 9.6693% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.1547% | 1,578 |
| Net charge-offs to loans | 0.0182% | 2,787 |
| Credit loss provision to net charge-offs | 1,275.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 143.8785% | 565 |
| Efficiency ratio | 59.4248% | 3,902 |
| Assets per employee ($millions) | 3.9063% | 4,035 |
| Cash dividends to net income (ytd only)* | 15.6640% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 688 |
| Loan loss allowance to noncurrent loans | 1,665.6805% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 4,477 |
| Noncurrent loans to loans | 0.1096% | 4,401 |
| Net loans and leases to total assets | 70.4916% | 2,566 |
| Net loans and leases to deposits | 85.0985% | 2,460 |
| Net loans and leases to core deposits | 85.8744% | 3,003 |
| Total domestic deposits to total assets | 82.8352% | 3,363 |
| Equity capital to assets | 12.5689% | 1,541 |
| Core capital (leverage) ratio | 12.7216% | 1,405 |
| Tier 1 risk-based capital ratio | 18.2211% | 1,735 |
| Total risk-based capital ratio | 19.4791% | 1,689 |
| Memoranda: | ||
| Average total assets | $210,612,250 | 2,784 |
| Average earning assets | $194,455,250 | 2,788 |
| Average equity | $26,585,250 | 2,547 |
| Average total loans | $146,733,500 | 2,696 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 1,609 |
| Cost of funding earning assets | 0.3168% | 4,295 |
| Net interest margin | 4.3440% | 950 |
| Noninterest income to average assets | 0.4522% | 3,136 |
| Noninterest expense to average assets | 2.7285% | 2,915 |
| Loan and lease loss provision to assets | 0.1195% | 1,654 |
| Net operating income to assets | 1.2241% | 2,083 |
| Return on assets (ROA) | 1.2256% | 2,079 |
| Pretax return on assets | 1.6176% | 1,449 |
| Return on Equity (ROE) | 9.6953% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.2736% | 1,505 |
| Net charge-offs to loans | 0.0194% | 2,501 |
| Credit loss provision to net charge-offs | 892.8571% | 457 |
| Earnings coverage of net charge-offs (x) | 129.6429% | 586 |
| Efficiency ratio | 61.1266% | 3,749 |
| Assets per employee ($millions) | 3.9762% | 3,937 |
| Cash dividends to net income (ytd only)* | 14.6646% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 741 |
| Loan loss allowance to noncurrent loans | 1,573.6842% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 4,484 |
| Noncurrent loans to loans | 0.1150% | 4,394 |
| Net loans and leases to total assets | 69.2637% | 2,682 |
| Net loans and leases to deposits | 83.9359% | 2,544 |
| Net loans and leases to core deposits | 84.5950% | 3,031 |
| Total domestic deposits to total assets | 82.5198% | 3,558 |
| Equity capital to assets | 12.7294% | 1,425 |
| Core capital (leverage) ratio | 12.6537% | 1,365 |
| Tier 1 risk-based capital ratio | 18.3155% | 1,722 |
| Total risk-based capital ratio | 19.5729% | 1,684 |
| Memoranda: | ||
| Average total assets | $209,200,670 | 2,817 |
| Average earning assets | $193,185,000 | 2,820 |
| Average equity | $26,445,670 | 2,563 |
| Average total loans | $144,223,330 | 2,742 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6083% | 1,543 |
| Cost of funding earning assets | 0.3137% | 4,237 |
| Net interest margin | 4.2946% | 958 |
| Noninterest income to average assets | 0.4510% | 3,103 |
| Noninterest expense to average assets | 2.7270% | 2,951 |
| Loan and lease loss provision to assets | 0.0960% | 1,913 |
| Net operating income to assets | 1.0774% | 2,534 |
| Return on assets (ROA) | 1.0805% | 2,535 |
| Pretax return on assets | 1.5986% | 1,399 |
| Return on Equity (ROE) | 8.5773% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.2975% | 2,150 |
| Net charge-offs to loans | 0.0169% | 2,174 |
| Credit loss provision to net charge-offs | 833.3333% | 401 |
| Earnings coverage of net charge-offs (x) | 146.8333% | 440 |
| Efficiency ratio | 61.7289% | 3,836 |
| Assets per employee ($millions) | 3.8449% | 4,222 |
| Cash dividends to net income (ytd only)* | 14.9201% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8179% | 757 |
| Loan loss allowance to noncurrent loans | 1,534.5029% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 4,574 |
| Noncurrent loans to loans | 0.1185% | 4,433 |
| Net loans and leases to total assets | 67.0153% | 2,890 |
| Net loans and leases to deposits | 79.4972% | 2,868 |
| Net loans and leases to core deposits | 80.1047% | 3,315 |
| Total domestic deposits to total assets | 84.2990% | 3,197 |
| Equity capital to assets | 12.4391% | 1,516 |
| Core capital (leverage) ratio | 12.5520% | 1,369 |
| Tier 1 risk-based capital ratio | 18.1663% | 1,780 |
| Total risk-based capital ratio | 19.4234% | 1,739 |
| Memoranda: | ||
| Average total assets | $208,430,500 | 2,861 |
| Average earning assets | $192,522,500 | 2,856 |
| Average equity | $26,255,500 | 2,597 |
| Average total loans | $142,006,000 | 2,787 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7359% | 1,108 |
| Cost of funding earning assets | 0.2783% | 4,334 |
| Net interest margin | 4.4577% | 684 |
| Noninterest income to average assets | 0.4533% | 3,290 |
| Noninterest expense to average assets | 2.8706% | 2,549 |
| Loan and lease loss provision to assets | 0.3791% | 397 |
| Net operating income to assets | 1.0425% | 2,083 |
| Return on assets (ROA) | 1.0552% | 2,061 |
| Pretax return on assets | 1.2729% | 2,456 |
| Return on Equity (ROE) | 7.8317% | 2,873 |
| Retained earnings to average equity (ytd only) | 1.6842% | 4,291 |
| Net charge-offs to loans | 0.0023% | 4,028 |
| Credit loss provision to net charge-offs | 24,666.6667% | 8 |
| Earnings coverage of net charge-offs (x) | 1,065.0000% | 78 |
| Efficiency ratio | 63.6891% | 3,646 |
| Assets per employee ($millions) | 3.5412% | 4,648 |
| Cash dividends to net income (ytd only)* | 78.4951% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8472% | 712 |
| Loan loss allowance to noncurrent loans | 1,107.2961% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 4,464 |
| Noncurrent loans to loans | 0.1668% | 4,259 |
| Net loans and leases to total assets | 66.7462% | 3,000 |
| Net loans and leases to deposits | 80.0348% | 2,915 |
| Net loans and leases to core deposits | 80.7894% | 3,356 |
| Total domestic deposits to total assets | 83.3965% | 3,425 |
| Equity capital to assets | 12.7591% | 1,373 |
| Core capital (leverage) ratio | 12.5939% | 1,310 |
| Tier 1 risk-based capital ratio | 17.8638% | 1,840 |
| Total risk-based capital ratio | 19.1205% | 1,788 |
| Memoranda: | ||
| Average total assets | $195,219,000 | 2,969 |
| Average earning assets | $177,535,800 | 2,989 |
| Average equity | $26,303,400 | 2,591 |
| Average total loans | $127,703,800 | 2,945 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 1,030 |
| Cost of funding earning assets | 0.2672% | 4,429 |
| Net interest margin | 4.4828% | 625 |
| Noninterest income to average assets | 0.4595% | 3,278 |
| Noninterest expense to average assets | 2.5659% | 3,513 |
| Loan and lease loss provision to assets | 0.1522% | 1,365 |
| Net operating income to assets | 1.3155% | 1,285 |
| Return on assets (ROA) | 1.3210% | 1,299 |
| Pretax return on assets | 1.8123% | 862 |
| Return on Equity (ROE) | 9.6676% | 2,274 |
| Retained earnings to average equity (ytd only) | 3.3221% | 3,950 |
| Net charge-offs to loans | 0.0021% | 3,690 |
| Credit loss provision to net charge-offs | 11,000.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,412.1985% | 69 |
| Efficiency ratio | 56.7319% | 4,645 |
| Assets per employee ($millions) | 3.5009% | 4,737 |
| Cash dividends to net income (ytd only)* | 65.6363% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 1,336 |
| Loan loss allowance to noncurrent loans | 1,329.6774% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 4,736 |
| Noncurrent loans to loans | 0.1172% | 4,589 |
| Net loans and leases to total assets | 65.2655% | 3,210 |
| Net loans and leases to deposits | 77.5951% | 3,213 |
| Net loans and leases to core deposits | 78.6799% | 3,572 |
| Total domestic deposits to total assets | 84.1103% | 3,077 |
| Equity capital to assets | 13.3279% | 1,241 |
| Core capital (leverage) ratio | 13.0584% | 1,191 |
| Tier 1 risk-based capital ratio | 18.6186% | 1,701 |
| Total risk-based capital ratio | 19.8716% | 1,648 |
| Memoranda: | ||
| Average total assets | $192,676,250 | 3,019 |
| Average earning assets | $174,648,250 | 3,043 |
| Average equity | $26,327,750 | 2,610 |
| Average total loans | $124,712,250 | 3,017 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 1,687 |
| Cost of funding earning assets | 0.2625% | 4,440 |
| Net interest margin | 4.1808% | 1,118 |
| Noninterest income to average assets | 0.7354% | 1,835 |
| Noninterest expense to average assets | 2.5863% | 3,478 |
| Loan and lease loss provision to assets | 0.1261% | 1,644 |
| Net operating income to assets | 1.3725% | 1,124 |
| Return on assets (ROA) | 1.3814% | 1,130 |
| Pretax return on assets | 1.7985% | 842 |
| Return on Equity (ROE) | 10.0235% | 2,028 |
| Retained earnings to average equity (ytd only) | 8.7429% | 921 |
| Net charge-offs to loans | -0.0049% | 4,334 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4831% | 4,657 |
| Assets per employee ($millions) | 3.4670% | 4,771 |
| Cash dividends to net income (ytd only)* | 12.7757% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,431 |
| Loan loss allowance to noncurrent loans | 1,252.2293% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 4,786 |
| Noncurrent loans to loans | 0.1230% | 4,628 |
| Net loans and leases to total assets | 64.7093% | 3,287 |
| Net loans and leases to deposits | 76.6642% | 3,264 |
| Net loans and leases to core deposits | 77.7680% | 3,618 |
| Total domestic deposits to total assets | 84.4061% | 3,050 |
| Equity capital to assets | 13.9375% | 987 |
| Core capital (leverage) ratio | 13.6681% | 948 |
| Tier 1 risk-based capital ratio | 19.5704% | 1,456 |
| Total risk-based capital ratio | 20.8230% | 1,412 |
| Memoranda: | ||
| Average total assets | $190,384,670 | 3,057 |
| Average earning assets | $171,402,000 | 3,090 |
| Average equity | $26,238,330 | 2,614 |
| Average total loans | $122,183,330 | 3,062 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 1,338 |
| Cost of funding earning assets | 0.2707% | 4,351 |
| Net interest margin | 4.2444% | 894 |
| Noninterest income to average assets | 0.6981% | 1,982 |
| Noninterest expense to average assets | 2.6186% | 3,425 |
| Loan and lease loss provision to assets | 0.0424% | 2,952 |
| Net operating income to assets | 1.3135% | 1,208 |
| Return on assets (ROA) | 1.3305% | 1,195 |
| Pretax return on assets | 1.8207% | 756 |
| Return on Equity (ROE) | 9.7106% | 2,093 |
| Retained earnings to average equity (ytd only) | 8.7968% | 1,146 |
| Net charge-offs to loans | -0.0201% | 4,749 |
| Credit loss provision to net charge-offs | -333.3333% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7339% | 4,625 |
| Assets per employee ($millions) | 3.4778% | 4,822 |
| Cash dividends to net income (ytd only)* | 9.4099% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 1,527 |
| Loan loss allowance to noncurrent loans | 1,190.4459% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 4,840 |
| Noncurrent loans to loans | 0.1298% | 4,666 |
| Net loans and leases to total assets | 63.4090% | 3,344 |
| Net loans and leases to deposits | 74.0434% | 3,397 |
| Net loans and leases to core deposits | 74.7832% | 3,759 |
| Total domestic deposits to total assets | 85.6376% | 2,818 |
| Equity capital to assets | 13.8842% | 941 |
| Core capital (leverage) ratio | 13.2723% | 1,048 |
| Tier 1 risk-based capital ratio | 19.7431% | 1,439 |
| Total risk-based capital ratio | 20.9958% | 1,410 |
| Memoranda: | ||
| Average total assets | $188,500,500 | 3,098 |
| Average earning assets | $166,997,000 | 3,175 |
| Average equity | $25,827,500 | 2,656 |
| Average total loans | $119,474,500 | 3,115 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6103% | 1,257 |
| Cost of funding earning assets | 0.2775% | 4,278 |
| Net interest margin | 4.3327% | 880 |
| Noninterest income to average assets | 0.6111% | 2,604 |
| Noninterest expense to average assets | 2.5126% | 3,966 |
| Loan and lease loss provision to assets | 0.2169% | 1,023 |
| Net operating income to assets | 1.2720% | 1,295 |
| Return on assets (ROA) | 1.3476% | 1,159 |
| Pretax return on assets | 1.7809% | 837 |
| Return on Equity (ROE) | 10.0814% | 1,923 |
| Retained earnings to average equity (ytd only) | 7.7659% | 938 |
| Net charge-offs to loans | 0.0538% | 2,963 |
| Credit loss provision to net charge-offs | 683.3333% | 515 |
| Earnings coverage of net charge-offs (x) | 59.8000% | 892 |
| Efficiency ratio | 56.9629% | 4,957 |
| Assets per employee ($millions) | 3.7840% | 4,335 |
| Cash dividends to net income (ytd only)* | 22.9682% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 1,461 |
| Loan loss allowance to noncurrent loans | 8,776.1905% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 5,224 |
| Noncurrent loans to loans | 0.0178% | 5,208 |
| Net loans and leases to total assets | 61.3923% | 3,670 |
| Net loans and leases to deposits | 72.3213% | 3,683 |
| Net loans and leases to core deposits | 72.6833% | 4,039 |
| Total domestic deposits to total assets | 84.8883% | 3,096 |
| Equity capital to assets | 13.5202% | 1,040 |
| Core capital (leverage) ratio | 13.1316% | 1,088 |
| Tier 1 risk-based capital ratio | 20.2795% | 1,327 |
| Total risk-based capital ratio | 21.5322% | 1,300 |
| Memoranda: | ||
| Average total assets | $189,004,600 | 3,068 |
| Average earning assets | $165,760,800 | 3,166 |
| Average equity | $25,264,400 | 2,693 |
| Average total loans | $111,531,000 | 3,194 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5801% | 1,332 |
| Cost of funding earning assets | 0.2712% | 4,376 |
| Net interest margin | 4.3089% | 913 |
| Noninterest income to average assets | 0.5984% | 2,670 |
| Noninterest expense to average assets | 2.4188% | 4,226 |
| Loan and lease loss provision to assets | 0.0811% | 2,584 |
| Net operating income to assets | 1.4354% | 995 |
| Return on assets (ROA) | 1.5333% | 869 |
| Pretax return on assets | 2.0413% | 524 |
| Return on Equity (ROE) | 11.5037% | 1,486 |
| Retained earnings to average equity (ytd only) | 9.5820% | 664 |
| Net charge-offs to loans | 0.0509% | 2,643 |
| Credit loss provision to net charge-offs | 273.8095% | 1,121 |
| Earnings coverage of net charge-offs (x) | 67.2127% | 884 |
| Efficiency ratio | 54.8392% | 5,168 |
| Assets per employee ($millions) | 3.4326% | 4,865 |
| Cash dividends to net income (ytd only)* | 16.7051% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 2,441 |
| Loan loss allowance to noncurrent loans | 3,641.8605% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 5,223 |
| Noncurrent loans to loans | 0.0371% | 5,221 |
| Net loans and leases to total assets | 60.6389% | 3,796 |
| Net loans and leases to deposits | 71.1333% | 3,874 |
| Net loans and leases to core deposits | 71.4883% | 4,204 |
| Total domestic deposits to total assets | 85.2468% | 2,698 |
| Equity capital to assets | 13.8681% | 1,092 |
| Core capital (leverage) ratio | 13.2331% | 1,098 |
| Tier 1 risk-based capital ratio | 20.1930% | 1,411 |
| Total risk-based capital ratio | 21.4431% | 1,374 |
| Memoranda: | ||
| Average total assets | $188,956,250 | 3,080 |
| Average earning assets | $167,183,000 | 3,161 |
| Average equity | $25,185,500 | 2,719 |
| Average total loans | $109,914,750 | 3,224 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 1,520 |
| Cost of funding earning assets | 0.2697% | 4,441 |
| Net interest margin | 4.2280% | 1,064 |
| Noninterest income to average assets | 0.5767% | 2,743 |
| Noninterest expense to average assets | 2.3776% | 4,409 |
| Loan and lease loss provision to assets | 0.0582% | 2,975 |
| Net operating income to assets | 1.4486% | 972 |
| Return on assets (ROA) | 1.5819% | 795 |
| Pretax return on assets | 2.1004% | 469 |
| Return on Equity (ROE) | 12.0306% | 1,312 |
| Retained earnings to average equity (ytd only) | 9.5842% | 693 |
| Net charge-offs to loans | 0.0723% | 2,152 |
| Credit loss provision to net charge-offs | 141.0256% | 1,671 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 1,017 |
| Efficiency ratio | 54.5521% | 5,267 |
| Assets per employee ($millions) | 3.6217% | 4,565 |
| Cash dividends to net income (ytd only)* | 20.3344% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 2,554 |
| Loan loss allowance to noncurrent loans | 5,389.2857% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 5,361 |
| Noncurrent loans to loans | 0.0249% | 5,369 |
| Net loans and leases to total assets | 58.8027% | 4,037 |
| Net loans and leases to deposits | 68.9174% | 4,093 |
| Net loans and leases to core deposits | 69.4935% | 4,363 |
| Total domestic deposits to total assets | 85.3235% | 2,723 |
| Equity capital to assets | 13.6873% | 1,145 |
| Core capital (leverage) ratio | 12.8101% | 1,226 |
| Tier 1 risk-based capital ratio | 20.0701% | 1,450 |
| Total risk-based capital ratio | 21.3203% | 1,410 |
| Memoranda: | ||
| Average total assets | $189,010,670 | 3,097 |
| Average earning assets | $169,064,670 | 3,153 |
| Average equity | $24,853,330 | 2,758 |
| Average total loans | $107,870,330 | 3,271 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 1,626 |
| Cost of funding earning assets | 0.2676% | 4,527 |
| Net interest margin | 4.1933% | 1,110 |
| Noninterest income to average assets | 0.4626% | 3,400 |
| Noninterest expense to average assets | 2.3195% | 4,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3925% | 1,050 |
| Return on assets (ROA) | 1.6055% | 737 |
| Pretax return on assets | 2.2498% | 343 |
| Return on Equity (ROE) | 12.4634% | 1,168 |
| Retained earnings to average equity (ytd only) | 9.2819% | 1,030 |
| Net charge-offs to loans | 0.0038% | 2,990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 923.0000% | 47 |
| Efficiency ratio | 54.3295% | 5,358 |
| Assets per employee ($millions) | 3.3130% | 5,106 |
| Cash dividends to net income (ytd only)* | 25.5263% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 2,474 |
| Loan loss allowance to noncurrent loans | 1,695.4545% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 5,313 |
| Noncurrent loans to loans | 0.0819% | 5,153 |
| Net loans and leases to total assets | 56.0773% | 4,249 |
| Net loans and leases to deposits | 65.0627% | 4,338 |
| Net loans and leases to core deposits | 65.5983% | 4,562 |
| Total domestic deposits to total assets | 86.1896% | 2,592 |
| Equity capital to assets | 13.0998% | 1,363 |
| Core capital (leverage) ratio | 11.9518% | 1,639 |
| Tier 1 risk-based capital ratio | 20.1397% | 1,471 |
| Total risk-based capital ratio | 21.3899% | 1,451 |
| Memoranda: | ||
| Average total assets | $189,352,000 | 3,099 |
| Average earning assets | $171,892,500 | 3,133 |
| Average equity | $24,391,500 | 2,795 |
| Average total loans | $105,680,000 | 3,324 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2717% | 2,308 |
| Cost of funding earning assets | 0.2793% | 4,491 |
| Net interest margin | 3.9924% | 1,738 |
| Noninterest income to average assets | 0.4767% | 3,484 |
| Noninterest expense to average assets | 2.4693% | 4,325 |
| Loan and lease loss provision to assets | 0.2392% | 803 |
| Net operating income to assets | 1.1896% | 1,588 |
| Return on assets (ROA) | 1.2207% | 1,544 |
| Pretax return on assets | 1.5342% | 1,450 |
| Return on Equity (ROE) | 9.7639% | 2,097 |
| Retained earnings to average equity (ytd only) | 7.7516% | 998 |
| Net charge-offs to loans | 0.2124% | 1,386 |
| Credit loss provision to net charge-offs | 222.0000% | 1,281 |
| Earnings coverage of net charge-offs (x) | 16.1000% | 2,159 |
| Efficiency ratio | 58.7391% | 5,058 |
| Assets per employee ($millions) | 3.7228% | 4,433 |
| Cash dividends to net income (ytd only)* | 20.6090% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 2,268 |
| Loan loss allowance to noncurrent loans | 1,640.6593% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 5,339 |
| Noncurrent loans to loans | 0.0875% | 5,147 |
| Net loans and leases to total assets | 53.9747% | 4,502 |
| Net loans and leases to deposits | 63.0116% | 4,540 |
| Net loans and leases to core deposits | 63.5296% | 4,767 |
| Total domestic deposits to total assets | 85.6585% | 2,783 |
| Equity capital to assets | 12.6645% | 1,524 |
| Core capital (leverage) ratio | 12.3105% | 1,449 |
| Tier 1 risk-based capital ratio | 19.7782% | 1,523 |
| Total risk-based capital ratio | 21.0285% | 1,498 |
| Memoranda: | ||
| Average total assets | $185,638,600 | 3,110 |
| Average earning assets | $173,303,600 | 3,076 |
| Average equity | $23,208,000 | 2,860 |
| Average total loans | $94,166,800 | 3,498 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2568% | 2,380 |
| Cost of funding earning assets | 0.2796% | 4,564 |
| Net interest margin | 3.9772% | 1,777 |
| Noninterest income to average assets | 0.4876% | 3,464 |
| Noninterest expense to average assets | 2.3620% | 4,614 |
| Loan and lease loss provision to assets | 0.1546% | 1,405 |
| Net operating income to assets | 1.3090% | 1,319 |
| Return on assets (ROA) | 1.3428% | 1,284 |
| Pretax return on assets | 1.7235% | 1,047 |
| Return on Equity (ROE) | 10.7771% | 1,790 |
| Retained earnings to average equity (ytd only) | 8.9858% | 915 |
| Net charge-offs to loans | 0.2704% | 988 |
| Credit loss provision to net charge-offs | 115.0538% | 2,056 |
| Earnings coverage of net charge-offs (x) | 13.6561% | 2,311 |
| Efficiency ratio | 56.2823% | 5,315 |
| Assets per employee ($millions) | 3.4601% | 4,873 |
| Cash dividends to net income (ytd only)* | 16.6219% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 3,126 |
| Loan loss allowance to noncurrent loans | 3,360.5263% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 5,557 |
| Noncurrent loans to loans | 0.0385% | 5,463 |
| Net loans and leases to total assets | 52.0849% | 4,751 |
| Net loans and leases to deposits | 60.7323% | 4,803 |
| Net loans and leases to core deposits | 61.2383% | 4,986 |
| Total domestic deposits to total assets | 85.7615% | 2,660 |
| Equity capital to assets | 12.7095% | 1,609 |
| Core capital (leverage) ratio | 12.2464% | 1,544 |
| Tier 1 risk-based capital ratio | 20.0693% | 1,528 |
| Total risk-based capital ratio | 21.1973% | 1,522 |
| Memoranda: | ||
| Average total assets | $184,583,000 | 3,146 |
| Average earning assets | $172,143,250 | 3,116 |
| Average equity | $22,998,750 | 2,899 |
| Average total loans | $91,716,000 | 3,585 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2460% | 2,368 |
| Cost of funding earning assets | 0.2835% | 4,570 |
| Net interest margin | 3.9625% | 1,772 |
| Noninterest income to average assets | 0.4776% | 3,515 |
| Noninterest expense to average assets | 2.3402% | 4,743 |
| Loan and lease loss provision to assets | 0.1512% | 1,407 |
| Net operating income to assets | 1.2939% | 1,339 |
| Return on assets (ROA) | 1.3458% | 1,247 |
| Pretax return on assets | 1.7484% | 981 |
| Return on Equity (ROE) | 10.8750% | 1,719 |
| Retained earnings to average equity (ytd only) | 8.7299% | 1,019 |
| Net charge-offs to loans | 0.4071% | 638 |
| Credit loss provision to net charge-offs | 76.3736% | 2,376 |
| Earnings coverage of net charge-offs (x) | 9.2527% | 2,473 |
| Efficiency ratio | 56.0887% | 5,420 |
| Assets per employee ($millions) | 3.3715% | 5,036 |
| Cash dividends to net income (ytd only)* | 19.7251% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 3,364 |
| Loan loss allowance to noncurrent loans | 2,871.4286% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 5,383 |
| Noncurrent loans to loans | 0.0444% | 5,569 |
| Net loans and leases to total assets | 50.3085% | 4,905 |
| Net loans and leases to deposits | 59.3527% | 4,905 |
| Net loans and leases to core deposits | 59.6544% | 5,091 |
| Total domestic deposits to total assets | 84.7619% | 3,231 |
| Equity capital to assets | 12.2806% | 1,820 |
| Core capital (leverage) ratio | 12.0317% | 1,642 |
| Tier 1 risk-based capital ratio | 21.2529% | 1,315 |
| Total risk-based capital ratio | 22.4094% | 1,304 |
| Memoranda: | ||
| Average total assets | $183,829,000 | 3,178 |
| Average earning assets | $171,407,330 | 3,147 |
| Average equity | $22,749,330 | 2,933 |
| Average total loans | $89,423,000 | 3,656 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2604% | 2,234 |
| Cost of funding earning assets | 0.2834% | 4,629 |
| Net interest margin | 3.9770% | 1,635 |
| Noninterest income to average assets | 0.4895% | 3,350 |
| Noninterest expense to average assets | 2.4171% | 4,548 |
| Loan and lease loss provision to assets | 0.0546% | 2,841 |
| Net operating income to assets | 1.3192% | 1,213 |
| Return on assets (ROA) | 1.3375% | 1,236 |
| Pretax return on assets | 1.7527% | 947 |
| Return on Equity (ROE) | 10.7661% | 1,708 |
| Retained earnings to average equity (ytd only) | 9.4643% | 1,049 |
| Net charge-offs to loans | 0.8333% | 289 |
| Credit loss provision to net charge-offs | 13.8122% | 2,407 |
| Earnings coverage of net charge-offs (x) | 4.5083% | 2,485 |
| Efficiency ratio | 57.5442% | 5,386 |
| Assets per employee ($millions) | 3.5680% | 4,785 |
| Cash dividends to net income (ytd only)* | 12.0915% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 3,761 |
| Loan loss allowance to noncurrent loans | 2,428.8889% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 5,467 |
| Noncurrent loans to loans | 0.0509% | 5,577 |
| Net loans and leases to total assets | 47.0828% | 5,116 |
| Net loans and leases to deposits | 54.3695% | 5,166 |
| Net loans and leases to core deposits | 54.6399% | 5,336 |
| Total domestic deposits to total assets | 86.5977% | 2,607 |
| Equity capital to assets | 12.5470% | 1,666 |
| Core capital (leverage) ratio | 11.9734% | 1,653 |
| Tier 1 risk-based capital ratio | 21.8207% | 1,269 |
| Total risk-based capital ratio | 22.9194% | 1,265 |
| Memoranda: | ||
| Average total assets | $183,028,500 | 3,202 |
| Average earning assets | $170,780,500 | 3,170 |
| Average equity | $22,738,000 | 2,954 |
| Average total loans | $86,888,000 | 3,727 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2593% | 2,744 |
| Cost of funding earning assets | 0.3448% | 4,311 |
| Net interest margin | 3.9145% | 2,180 |
| Noninterest income to average assets | 0.4517% | 3,816 |
| Noninterest expense to average assets | 2.6082% | 4,184 |
| Loan and lease loss provision to assets | 0.0826% | 2,829 |
| Net operating income to assets | 1.1597% | 1,723 |
| Return on assets (ROA) | 1.0797% | 2,109 |
| Pretax return on assets | 1.3165% | 2,188 |
| Return on Equity (ROE) | 9.1107% | 2,534 |
| Retained earnings to average equity (ytd only) | 7.4728% | 1,207 |
| Net charge-offs to loans | -0.0063% | 5,497 |
| Credit loss provision to net charge-offs | -2,860.0000% | 6,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5379% | 4,658 |
| Assets per employee ($millions) | 3.3430% | 5,188 |
| Cash dividends to net income (ytd only)* | 17.9775% | 3,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4638% | 2,631 |
| Loan loss allowance to noncurrent loans | 401.6077% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 4,680 |
| Noncurrent loans to loans | 0.3645% | 4,560 |
| Net loans and leases to total assets | 46.5755% | 5,277 |
| Net loans and leases to deposits | 53.5777% | 5,365 |
| Net loans and leases to core deposits | 53.8505% | 5,508 |
| Total domestic deposits to total assets | 86.9307% | 2,321 |
| Equity capital to assets | 12.2960% | 1,786 |
| Core capital (leverage) ratio | 11.8013% | 1,762 |
| Tier 1 risk-based capital ratio | 21.8181% | 1,251 |
| Total risk-based capital ratio | 23.0683% | 1,227 |
| Memoranda: | ||
| Average total assets | $173,107,800 | 3,287 |
| Average earning assets | $161,551,200 | 3,258 |
| Average equity | $20,514,400 | 3,101 |
| Average total loans | $79,319,800 | 3,893 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2781% | 2,719 |
| Cost of funding earning assets | 0.3477% | 4,361 |
| Net interest margin | 3.9304% | 2,115 |
| Noninterest income to average assets | 0.4484% | 3,905 |
| Noninterest expense to average assets | 2.6385% | 4,062 |
| Loan and lease loss provision to assets | 0.0802% | 2,747 |
| Net operating income to assets | 1.1296% | 1,933 |
| Return on assets (ROA) | 1.0230% | 2,410 |
| Pretax return on assets | 1.2683% | 2,497 |
| Return on Equity (ROE) | 8.7189% | 2,825 |
| Retained earnings to average equity (ytd only) | 7.6705% | 1,507 |
| Net charge-offs to loans | 0.0034% | 4,583 |
| Credit loss provision to net charge-offs | 5,150.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 949.2884% | 80 |
| Efficiency ratio | 64.0643% | 4,528 |
| Assets per employee ($millions) | 3.1606% | 5,503 |
| Cash dividends to net income (ytd only)* | 12.0242% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 2,756 |
| Loan loss allowance to noncurrent loans | 205.8219% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 4,251 |
| Noncurrent loans to loans | 0.7249% | 3,794 |
| Net loans and leases to total assets | 44.8387% | 5,466 |
| Net loans and leases to deposits | 51.4376% | 5,563 |
| Net loans and leases to core deposits | 51.7037% | 5,705 |
| Total domestic deposits to total assets | 87.1712% | 2,223 |
| Equity capital to assets | 12.1785% | 1,920 |
| Core capital (leverage) ratio | 11.8523% | 1,791 |
| Tier 1 risk-based capital ratio | 22.5040% | 1,185 |
| Total risk-based capital ratio | 23.7551% | 1,169 |
| Memoranda: | ||
| Average total assets | $171,254,250 | 3,346 |
| Average earning assets | $159,911,750 | 3,305 |
| Average equity | $20,093,750 | 3,163 |
| Average total loans | $77,817,750 | 3,968 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2608% | 2,732 |
| Cost of funding earning assets | 0.3467% | 4,469 |
| Net interest margin | 3.9141% | 2,102 |
| Noninterest income to average assets | 0.4807% | 3,625 |
| Noninterest expense to average assets | 2.6680% | 3,987 |
| Loan and lease loss provision to assets | 0.1216% | 2,018 |
| Net operating income to assets | 1.0830% | 1,997 |
| Return on assets (ROA) | 1.0688% | 2,123 |
| Pretax return on assets | 1.3405% | 2,112 |
| Return on Equity (ROE) | 9.2316% | 2,488 |
| Retained earnings to average equity (ytd only) | 8.2217% | 1,240 |
| Net charge-offs to loans | 0.0182% | 3,855 |
| Credit loss provision to net charge-offs | 1,471.4286% | 250 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 352 |
| Efficiency ratio | 64.3223% | 4,645 |
| Assets per employee ($millions) | 3.1086% | 5,584 |
| Cash dividends to net income (ytd only)* | 10.9392% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5242% | 2,785 |
| Loan loss allowance to noncurrent loans | 171.7360% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 4,358 |
| Noncurrent loans to loans | 0.8875% | 3,486 |
| Net loans and leases to total assets | 44.4244% | 5,508 |
| Net loans and leases to deposits | 51.1103% | 5,552 |
| Net loans and leases to core deposits | 51.1103% | 5,729 |
| Total domestic deposits to total assets | 86.9187% | 2,493 |
| Equity capital to assets | 11.9887% | 1,992 |
| Core capital (leverage) ratio | 11.9325% | 1,697 |
| Tier 1 risk-based capital ratio | 22.8066% | 1,140 |
| Total risk-based capital ratio | 24.0573% | 1,125 |
| Memoranda: | ||
| Average total assets | $169,341,670 | 3,388 |
| Average earning assets | $158,657,330 | 3,342 |
| Average equity | $19,606,670 | 3,214 |
| Average total loans | $76,902,670 | 4,008 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 2,313 |
| Cost of funding earning assets | 0.3480% | 4,557 |
| Net interest margin | 4.0050% | 1,741 |
| Noninterest income to average assets | 0.4408% | 3,864 |
| Noninterest expense to average assets | 2.7166% | 3,883 |
| Loan and lease loss provision to assets | 0.1078% | 2,135 |
| Net operating income to assets | 1.0572% | 1,977 |
| Return on assets (ROA) | 1.0517% | 2,069 |
| Pretax return on assets | 1.3583% | 1,886 |
| Return on Equity (ROE) | 9.2543% | 2,347 |
| Retained earnings to average equity (ytd only) | 8.4321% | 1,442 |
| Net charge-offs to loans | 0.0368% | 2,870 |
| Credit loss provision to net charge-offs | 642.8571% | 441 |
| Earnings coverage of net charge-offs (x) | 87.8571% | 506 |
| Efficiency ratio | 64.8370% | 4,723 |
| Assets per employee ($millions) | 3.1432% | 5,612 |
| Cash dividends to net income (ytd only)* | 8.8838% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 3,131 |
| Loan loss allowance to noncurrent loans | 196.3793% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 4,652 |
| Noncurrent loans to loans | 0.7657% | 3,948 |
| Net loans and leases to total assets | 44.7845% | 5,441 |
| Net loans and leases to deposits | 51.7246% | 5,474 |
| Net loans and leases to core deposits | 51.7246% | 5,639 |
| Total domestic deposits to total assets | 86.5825% | 3,057 |
| Equity capital to assets | 11.7961% | 2,013 |
| Core capital (leverage) ratio | 11.9505% | 1,679 |
| Tier 1 risk-based capital ratio | 23.0101% | 1,145 |
| Total risk-based capital ratio | 24.2607% | 1,134 |
| Memoranda: | ||
| Average total assets | $166,972,500 | 3,446 |
| Average earning assets | $156,306,500 | 3,400 |
| Average equity | $18,975,000 | 3,283 |
| Average total loans | $76,088,500 | 4,063 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4088% | 2,552 |
| Cost of funding earning assets | 0.4229% | 4,400 |
| Net interest margin | 3.9859% | 1,989 |
| Noninterest income to average assets | 0.5216% | 3,618 |
| Noninterest expense to average assets | 3.0997% | 2,734 |
| Loan and lease loss provision to assets | 0.0206% | 4,722 |
| Net operating income to assets | 0.9057% | 2,751 |
| Return on assets (ROA) | 1.0227% | 2,295 |
| Pretax return on assets | 1.2864% | 2,212 |
| Return on Equity (ROE) | 8.9640% | 2,544 |
| Retained earnings to average equity (ytd only) | 7.1825% | 1,365 |
| Net charge-offs to loans | 0.0081% | 5,290 |
| Credit loss provision to net charge-offs | 583.3333% | 405 |
| Earnings coverage of net charge-offs (x) | 328.8333% | 133 |
| Efficiency ratio | 72.7862% | 3,337 |
| Assets per employee ($millions) | 3.0992% | 5,674 |
| Cash dividends to net income (ytd only)* | 19.8736% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 3,460 |
| Loan loss allowance to noncurrent loans | 401.8248% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 5,530 |
| Noncurrent loans to loans | 0.3585% | 5,112 |
| Net loans and leases to total assets | 45.0124% | 5,582 |
| Net loans and leases to deposits | 52.1293% | 5,611 |
| Net loans and leases to core deposits | 52.1293% | 5,791 |
| Total domestic deposits to total assets | 86.3477% | 3,082 |
| Equity capital to assets | 10.9342% | 2,671 |
| Core capital (leverage) ratio | 14.2802% | 750 |
| Tier 1 risk-based capital ratio | 22.2869% | 1,206 |
| Total risk-based capital ratio | 23.5365% | 1,182 |
| Memoranda: | ||
| Average total assets | $170,243,000 | 3,405 |
| Average earning assets | $159,611,400 | 3,354 |
| Average equity | $19,422,200 | 3,224 |
| Average total loans | $73,889,400 | 4,134 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4783% | 2,316 |
| Cost of funding earning assets | 0.4462% | 4,321 |
| Net interest margin | 4.0320% | 1,839 |
| Noninterest income to average assets | 0.6085% | 3,094 |
| Noninterest expense to average assets | 2.7459% | 3,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1927% | 1,662 |
| Return on assets (ROA) | 1.1881% | 1,742 |
| Pretax return on assets | 1.6282% | 1,271 |
| Return on Equity (ROE) | 9.9940% | 2,185 |
| Retained earnings to average equity (ytd only) | 8.9364% | 1,074 |
| Net charge-offs to loans | -0.0180% | 6,023 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6866% | 5,033 |
| Assets per employee ($millions) | 3.2949% | 5,292 |
| Cash dividends to net income (ytd only)* | 10.5820% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 3,257 |
| Loan loss allowance to noncurrent loans | 281.2287% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 5,611 |
| Noncurrent loans to loans | 0.5490% | 4,825 |
| Net loans and leases to total assets | 49.8340% | 5,162 |
| Net loans and leases to deposits | 57.4040% | 5,238 |
| Net loans and leases to core deposits | 57.4040% | 5,499 |
| Total domestic deposits to total assets | 86.8129% | 2,792 |
| Equity capital to assets | 11.6573% | 2,165 |
| Core capital (leverage) ratio | 11.6327% | 1,924 |
| Tier 1 risk-based capital ratio | 20.5394% | 1,594 |
| Total risk-based capital ratio | 21.7908% | 1,565 |
| Memoranda: | ||
| Average total assets | $106,045,000 | 4,639 |
| Average earning assets | $99,203,000 | 4,579 |
| Average equity | $12,607,250 | 4,381 |
| Average total loans | $51,698,750 | 4,943 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 2,372 |
| Cost of funding earning assets | 0.4592% | 4,322 |
| Net interest margin | 3.9939% | 1,882 |
| Noninterest income to average assets | 0.6362% | 2,981 |
| Noninterest expense to average assets | 2.7558% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1632% | 1,688 |
| Return on assets (ROA) | 1.2160% | 1,654 |
| Pretax return on assets | 1.6866% | 1,144 |
| Return on Equity (ROE) | 10.1631% | 2,138 |
| Retained earnings to average equity (ytd only) | 9.2821% | 1,036 |
| Net charge-offs to loans | -0.0391% | 6,178 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0763% | 5,006 |
| Assets per employee ($millions) | 3.2390% | 5,393 |
| Cash dividends to net income (ytd only)* | 8.6687% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 2,999 |
| Loan loss allowance to noncurrent loans | 276.5886% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 5,616 |
| Noncurrent loans to loans | 0.5942% | 4,768 |
| Net loans and leases to total assets | 47.7544% | 5,353 |
| Net loans and leases to deposits | 54.3595% | 5,497 |
| Net loans and leases to core deposits | 54.3595% | 5,726 |
| Total domestic deposits to total assets | 87.8491% | 2,353 |
| Equity capital to assets | 11.5700% | 2,241 |
| Core capital (leverage) ratio | 11.4566% | 1,969 |
| Tier 1 risk-based capital ratio | 21.0393% | 1,481 |
| Total risk-based capital ratio | 22.2923% | 1,456 |
| Memoranda: | ||
| Average total assets | $106,248,000 | 4,661 |
| Average earning assets | $99,302,000 | 4,608 |
| Average equity | $12,712,670 | 4,393 |
| Average total loans | $51,142,670 | 4,980 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4129% | 2,479 |
| Cost of funding earning assets | 0.4496% | 4,598 |
| Net interest margin | 3.9632% | 1,910 |
| Noninterest income to average assets | 0.5765% | 3,263 |
| Noninterest expense to average assets | 2.6332% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1649% | 1,624 |
| Return on assets (ROA) | 1.2125% | 1,605 |
| Pretax return on assets | 1.7146% | 1,042 |
| Return on Equity (ROE) | 9.9748% | 2,069 |
| Retained earnings to average equity (ytd only) | 9.2404% | 1,313 |
| Net charge-offs to loans | -0.0466% | 6,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5117% | 5,371 |
| Assets per employee ($millions) | 3.5338% | 4,915 |
| Cash dividends to net income (ytd only)* | 7.3620% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 3,226 |
| Loan loss allowance to noncurrent loans | 302.5735% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 5,832 |
| Noncurrent loans to loans | 0.5427% | 5,088 |
| Net loans and leases to total assets | 44.9995% | 5,545 |
| Net loans and leases to deposits | 52.3924% | 5,584 |
| Net loans and leases to core deposits | 52.3924% | 5,792 |
| Total domestic deposits to total assets | 85.8893% | 3,590 |
| Equity capital to assets | 12.0103% | 2,035 |
| Core capital (leverage) ratio | 11.0988% | 2,181 |
| Tier 1 risk-based capital ratio | 20.7424% | 1,602 |
| Total risk-based capital ratio | 21.9956% | 1,574 |
| Memoranda: | ||
| Average total assets | $107,548,500 | 4,665 |
| Average earning assets | $100,524,500 | 4,606 |
| Average equity | $13,073,000 | 4,369 |
| Average total loans | $51,552,500 | 5,004 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 2,638 |
| Cost of funding earning assets | 0.5641% | 4,696 |
| Net interest margin | 4.1256% | 1,898 |
| Noninterest income to average assets | 0.5446% | 3,617 |
| Noninterest expense to average assets | 2.7981% | 4,027 |
| Loan and lease loss provision to assets | 0.2122% | 3,021 |
| Net operating income to assets | 1.1348% | 1,823 |
| Return on assets (ROA) | 1.1743% | 1,849 |
| Pretax return on assets | 1.4867% | 1,723 |
| Return on Equity (ROE) | 9.5132% | 2,400 |
| Retained earnings to average equity (ytd only) | 7.7533% | 1,210 |
| Net charge-offs to loans | -0.0220% | 6,571 |
| Credit loss provision to net charge-offs | -1,927.2727% | 6,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9221% | 5,094 |
| Assets per employee ($millions) | 3.4048% | 5,201 |
| Cash dividends to net income (ytd only)* | 18.4996% | 3,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 3,561 |
| Loan loss allowance to noncurrent loans | 277.8912% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 5,855 |
| Noncurrent loans to loans | 0.5549% | 5,140 |
| Net loans and leases to total assets | 49.4263% | 5,252 |
| Net loans and leases to deposits | 57.8127% | 5,261 |
| Net loans and leases to core deposits | 57.8127% | 5,565 |
| Total domestic deposits to total assets | 85.4939% | 3,611 |
| Equity capital to assets | 12.3061% | 1,854 |
| Core capital (leverage) ratio | 11.0769% | 2,188 |
| Tier 1 risk-based capital ratio | 20.0597% | 1,660 |
| Total risk-based capital ratio | 21.3127% | 1,632 |
| Memoranda: | ||
| Average total assets | $99,887,800 | 4,836 |
| Average earning assets | $94,482,600 | 4,745 |
| Average equity | $12,330,200 | 4,492 |
| Average total loans | $50,080,800 | 5,104 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6879% | 2,850 |
| Cost of funding earning assets | 0.5828% | 4,810 |
| Net interest margin | 4.1051% | 2,073 |
| Noninterest income to average assets | 0.5538% | 3,584 |
| Noninterest expense to average assets | 2.8203% | 3,914 |
| Loan and lease loss provision to assets | 0.0366% | 5,317 |
| Net operating income to assets | 1.1969% | 1,754 |
| Return on assets (ROA) | 1.2132% | 1,869 |
| Pretax return on assets | 1.6194% | 1,510 |
| Return on Equity (ROE) | 9.8199% | 2,437 |
| Retained earnings to average equity (ytd only) | 8.8664% | 1,280 |
| Net charge-offs to loans | -0.2215% | 7,009 |
| Credit loss provision to net charge-offs | -32.9268% | 6,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3131% | 4,923 |
| Assets per employee ($millions) | 3.5822% | 4,782 |
| Cash dividends to net income (ytd only)* | 9.7100% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 4,420 |
| Loan loss allowance to noncurrent loans | 219.0031% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3417% | 5,831 |
| Noncurrent loans to loans | 0.6348% | 5,175 |
| Net loans and leases to total assets | 48.0002% | 5,546 |
| Net loans and leases to deposits | 56.2575% | 5,612 |
| Net loans and leases to core deposits | 56.2575% | 5,873 |
| Total domestic deposits to total assets | 85.3222% | 3,605 |
| Equity capital to assets | 12.4060% | 1,960 |
| Core capital (leverage) ratio | 11.4980% | 1,987 |
| Tier 1 risk-based capital ratio | 20.7479% | 1,588 |
| Total risk-based capital ratio | 21.9982% | 1,553 |
| Memoranda: | ||
| Average total assets | $98,472,500 | 4,918 |
| Average earning assets | $93,572,500 | 4,809 |
| Average equity | $12,165,500 | 4,572 |
| Average total loans | $49,354,500 | 5,192 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8073% | 2,479 |
| Cost of funding earning assets | 0.6238% | 4,687 |
| Net interest margin | 4.1834% | 1,791 |
| Noninterest income to average assets | 0.5690% | 3,459 |
| Noninterest expense to average assets | 2.7931% | 4,040 |
| Loan and lease loss provision to assets | 0.0414% | 5,154 |
| Net operating income to assets | 1.2273% | 1,616 |
| Return on assets (ROA) | 1.2496% | 1,739 |
| Pretax return on assets | 1.7338% | 1,175 |
| Return on Equity (ROE) | 10.1303% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.0736% | 1,249 |
| Net charge-offs to loans | -0.3391% | 7,088 |
| Credit loss provision to net charge-offs | -24.0964% | 5,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5595% | 5,319 |
| Assets per employee ($millions) | 3.0490% | 5,962 |
| Cash dividends to net income (ytd only)* | 10.4305% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 4,418 |
| Loan loss allowance to noncurrent loans | 217.8125% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 5,940 |
| Noncurrent loans to loans | 0.6474% | 5,216 |
| Net loans and leases to total assets | 49.9431% | 5,361 |
| Net loans and leases to deposits | 58.8472% | 5,362 |
| Net loans and leases to core deposits | 58.8472% | 5,704 |
| Total domestic deposits to total assets | 84.8692% | 3,919 |
| Equity capital to assets | 12.7704% | 1,642 |
| Core capital (leverage) ratio | 11.4269% | 1,943 |
| Tier 1 risk-based capital ratio | 20.9544% | 1,488 |
| Total risk-based capital ratio | 22.2059% | 1,458 |
| Memoranda: | ||
| Average total assets | $96,668,330 | 4,992 |
| Average earning assets | $91,694,670 | 4,882 |
| Average equity | $11,924,670 | 4,625 |
| Average total loans | $48,950,000 | 5,237 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 2,155 |
| Cost of funding earning assets | 0.6771% | 4,492 |
| Net interest margin | 4.2474% | 1,614 |
| Noninterest income to average assets | 0.6194% | 3,108 |
| Noninterest expense to average assets | 2.8810% | 3,705 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2034% | 1,720 |
| Return on assets (ROA) | 1.2264% | 1,844 |
| Pretax return on assets | 1.7876% | 1,103 |
| Return on Equity (ROE) | 10.1227% | 2,355 |
| Retained earnings to average equity (ytd only) | 9.2991% | 1,477 |
| Net charge-offs to loans | -0.6651% | 7,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1525% | 5,257 |
| Assets per employee ($millions) | 3.1639% | 5,843 |
| Cash dividends to net income (ytd only)* | 8.1356% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 4,649 |
| Loan loss allowance to noncurrent loans | 208.9783% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 6,058 |
| Noncurrent loans to loans | 0.6657% | 5,318 |
| Net loans and leases to total assets | 48.7796% | 5,459 |
| Net loans and leases to deposits | 56.8963% | 5,500 |
| Net loans and leases to core deposits | 56.8963% | 5,827 |
| Total domestic deposits to total assets | 85.7341% | 3,667 |
| Equity capital to assets | 12.0942% | 1,977 |
| Core capital (leverage) ratio | 11.3105% | 2,030 |
| Tier 1 risk-based capital ratio | 20.4463% | 1,604 |
| Total risk-based capital ratio | 21.6963% | 1,578 |
| Memoranda: | ||
| Average total assets | $96,218,000 | 5,037 |
| Average earning assets | $90,973,500 | 4,935 |
| Average equity | $11,657,000 | 4,689 |
| Average total loans | $48,712,000 | 5,279 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1319% | 2,320 |
| Cost of funding earning assets | 0.9803% | 3,513 |
| Net interest margin | 4.1516% | 2,227 |
| Noninterest income to average assets | 0.5507% | 3,504 |
| Noninterest expense to average assets | 3.1458% | 3,041 |
| Loan and lease loss provision to assets | 0.1271% | 5,025 |
| Net operating income to assets | 0.9774% | 2,293 |
| Return on assets (ROA) | 1.0461% | 2,166 |
| Pretax return on assets | 1.2959% | 2,145 |
| Return on Equity (ROE) | 9.0470% | 2,422 |
| Retained earnings to average equity (ytd only) | 3.7766% | 3,528 |
| Net charge-offs to loans | 0.2464% | 4,241 |
| Credit loss provision to net charge-offs | 95.9016% | 3,762 |
| Earnings coverage of net charge-offs (x) | 10.0984% | 1,885 |
| Efficiency ratio | 70.1550% | 3,914 |
| Assets per employee ($millions) | 2.7752% | 6,495 |
| Cash dividends to net income (ytd only)* | 58.2555% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 5,321 |
| Loan loss allowance to noncurrent loans | 136.2385% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 5,447 |
| Noncurrent loans to loans | 0.8915% | 4,903 |
| Net loans and leases to total assets | 51.2018% | 5,438 |
| Net loans and leases to deposits | 60.4747% | 5,440 |
| Net loans and leases to core deposits | 60.4747% | 5,800 |
| Total domestic deposits to total assets | 84.6666% | 4,011 |
| Equity capital to assets | 12.1370% | 2,023 |
| Core capital (leverage) ratio | 11.1277% | 2,173 |
| Tier 1 risk-based capital ratio | 20.0884% | 1,621 |
| Total risk-based capital ratio | 21.2292% | 1,618 |
| Memoranda: | ||
| Average total assets | $92,059,000 | 5,130 |
| Average earning assets | $87,218,600 | 5,017 |
| Average equity | $10,644,400 | 4,878 |
| Average total loans | $49,521,000 | 5,279 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1503% | 2,389 |
| Cost of funding earning assets | 1.0252% | 3,503 |
| Net interest margin | 4.1252% | 2,374 |
| Noninterest income to average assets | 0.5582% | 3,460 |
| Noninterest expense to average assets | 3.1771% | 2,893 |
| Loan and lease loss provision to assets | 0.0685% | 5,598 |
| Net operating income to assets | 0.9350% | 2,596 |
| Return on assets (ROA) | 1.0158% | 2,420 |
| Pretax return on assets | 1.3364% | 2,163 |
| Return on Equity (ROE) | 8.8993% | 2,645 |
| Retained earnings to average equity (ytd only) | 3.1409% | 4,462 |
| Net charge-offs to loans | 0.1422% | 4,641 |
| Credit loss provision to net charge-offs | 88.6792% | 3,816 |
| Earnings coverage of net charge-offs (x) | 16.8125% | 1,378 |
| Efficiency ratio | 70.9866% | 3,740 |
| Assets per employee ($millions) | 2.7441% | 6,589 |
| Cash dividends to net income (ytd only)* | 64.7061% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 5,501 |
| Loan loss allowance to noncurrent loans | 86.4431% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.7931% | 5,187 |
| Noncurrent loans to loans | 1.3791% | 4,226 |
| Net loans and leases to total assets | 52.6768% | 5,363 |
| Net loans and leases to deposits | 62.4371% | 5,351 |
| Net loans and leases to core deposits | 62.4371% | 5,776 |
| Total domestic deposits to total assets | 84.3678% | 4,068 |
| Equity capital to assets | 12.0610% | 2,206 |
| Core capital (leverage) ratio | 11.1840% | 2,247 |
| Tier 1 risk-based capital ratio | 19.5704% | 1,792 |
| Total risk-based capital ratio | 20.6967% | 1,800 |
| Memoranda: | ||
| Average total assets | $91,484,750 | 5,184 |
| Average earning assets | $86,878,750 | 5,066 |
| Average equity | $10,442,500 | 4,932 |
| Average total loans | $49,674,750 | 5,319 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2192% | 2,190 |
| Cost of funding earning assets | 1.0652% | 3,507 |
| Net interest margin | 4.1540% | 2,217 |
| Noninterest income to average assets | 0.5370% | 3,581 |
| Noninterest expense to average assets | 3.1690% | 3,008 |
| Loan and lease loss provision to assets | 0.0704% | 5,429 |
| Net operating income to assets | 0.9271% | 2,528 |
| Return on assets (ROA) | 1.0013% | 2,324 |
| Pretax return on assets | 1.3358% | 2,014 |
| Return on Equity (ROE) | 8.9458% | 2,541 |
| Retained earnings to average equity (ytd only) | 7.7465% | 1,556 |
| Net charge-offs to loans | 0.1813% | 4,076 |
| Credit loss provision to net charge-offs | 71.1111% | 4,031 |
| Earnings coverage of net charge-offs (x) | 13.2000% | 1,567 |
| Efficiency ratio | 70.7965% | 3,965 |
| Assets per employee ($millions) | 2.7875% | 6,496 |
| Cash dividends to net income (ytd only)* | 13.4066% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 5,587 |
| Loan loss allowance to noncurrent loans | 79.8365% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 5,266 |
| Noncurrent loans to loans | 1.4906% | 4,187 |
| Net loans and leases to total assets | 52.8944% | 5,452 |
| Net loans and leases to deposits | 62.6461% | 5,432 |
| Net loans and leases to core deposits | 62.6461% | 5,842 |
| Total domestic deposits to total assets | 84.4337% | 4,158 |
| Equity capital to assets | 11.8408% | 2,217 |
| Core capital (leverage) ratio | 13.0206% | 1,154 |
| Tier 1 risk-based capital ratio | 19.8677% | 1,636 |
| Total risk-based capital ratio | 20.9816% | 1,639 |
| Memoranda: | ||
| Average total assets | $90,879,330 | 5,240 |
| Average earning assets | $86,182,000 | 5,123 |
| Average equity | $10,172,330 | 5,002 |
| Average total loans | $49,652,670 | 5,375 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3272% | 1,789 |
| Cost of funding earning assets | 1.1131% | 3,435 |
| Net interest margin | 4.2140% | 1,862 |
| Noninterest income to average assets | 0.5270% | 3,674 |
| Noninterest expense to average assets | 3.2593% | 2,681 |
| Loan and lease loss provision to assets | 0.0664% | 5,165 |
| Net operating income to assets | 0.8890% | 2,621 |
| Return on assets (ROA) | 1.0053% | 2,220 |
| Pretax return on assets | 1.3462% | 1,892 |
| Return on Equity (ROE) | 9.2535% | 2,366 |
| Retained earnings to average equity (ytd only) | 8.2344% | 1,648 |
| Net charge-offs to loans | 0.0160% | 4,856 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 218 |
| Efficiency ratio | 72.1569% | 3,828 |
| Assets per employee ($millions) | 2.8466% | 6,453 |
| Cash dividends to net income (ytd only)* | 11.0132% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 5,444 |
| Loan loss allowance to noncurrent loans | 63.2885% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.2043% | 4,542 |
| Noncurrent loans to loans | 1.9594% | 3,630 |
| Net loans and leases to total assets | 53.5075% | 5,379 |
| Net loans and leases to deposits | 62.5859% | 5,430 |
| Net loans and leases to core deposits | 62.5859% | 5,868 |
| Total domestic deposits to total assets | 85.4946% | 3,786 |
| Equity capital to assets | 11.1867% | 2,515 |
| Core capital (leverage) ratio | 13.1259% | 1,083 |
| Tier 1 risk-based capital ratio | 19.7715% | 1,634 |
| Total risk-based capital ratio | 20.9508% | 1,622 |
| Memoranda: | ||
| Average total assets | $90,325,500 | 5,279 |
| Average earning assets | $85,523,500 | 5,171 |
| Average equity | $9,812,500 | 5,092 |
| Average total loans | $49,858,000 | 5,396 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4387% | 2,508 |
| Cost of funding earning assets | 1.5102% | 2,578 |
| Net interest margin | 3.9286% | 3,355 |
| Noninterest income to average assets | 0.6230% | 3,324 |
| Noninterest expense to average assets | 3.2554% | 2,894 |
| Loan and lease loss provision to assets | 0.1110% | 6,045 |
| Net operating income to assets | 0.8056% | 2,777 |
| Return on assets (ROA) | 0.9175% | 2,452 |
| Pretax return on assets | 1.1101% | 2,536 |
| Return on Equity (ROE) | 8.2325% | 2,609 |
| Retained earnings to average equity (ytd only) | 5.4375% | 2,156 |
| Net charge-offs to loans | 0.1045% | 5,821 |
| Credit loss provision to net charge-offs | 192.1569% | 1,665 |
| Earnings coverage of net charge-offs (x) | 18.8039% | 1,092 |
| Efficiency ratio | 74.9804% | 3,210 |
| Assets per employee ($millions) | 2.7988% | 6,525 |
| Cash dividends to net income (ytd only)* | 33.9506% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 5,571 |
| Loan loss allowance to noncurrent loans | 122.7459% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 5,559 |
| Noncurrent loans to loans | 0.9689% | 5,112 |
| Net loans and leases to total assets | 55.5655% | 5,405 |
| Net loans and leases to deposits | 65.3024% | 5,482 |
| Net loans and leases to core deposits | 65.3024% | 5,945 |
| Total domestic deposits to total assets | 85.0895% | 3,803 |
| Equity capital to assets | 10.5347% | 3,124 |
| Core capital (leverage) ratio | 12.5154% | 1,310 |
| Tier 1 risk-based capital ratio | 19.1778% | 1,677 |
| Total risk-based capital ratio | 20.3199% | 1,668 |
| Memoranda: | ||
| Average total assets | $88,284,000 | 5,341 |
| Average earning assets | $83,567,400 | 5,227 |
| Average equity | $9,839,000 | 5,178 |
| Average total loans | $48,783,200 | 5,532 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4192% | 2,795 |
| Cost of funding earning assets | 1.5822% | 2,491 |
| Net interest margin | 3.8370% | 3,810 |
| Noninterest income to average assets | 0.6457% | 3,146 |
| Noninterest expense to average assets | 3.2588% | 2,715 |
| Loan and lease loss provision to assets | 0.0819% | 6,225 |
| Net operating income to assets | 0.7632% | 3,165 |
| Return on assets (ROA) | 0.8443% | 2,958 |
| Pretax return on assets | 1.0368% | 3,042 |
| Return on Equity (ROE) | 7.4713% | 3,117 |
| Retained earnings to average equity (ytd only) | 5.1910% | 2,846 |
| Net charge-offs to loans | 0.0992% | 5,535 |
| Credit loss provision to net charge-offs | 150.0000% | 2,593 |
| Earnings coverage of net charge-offs (x) | 18.6663% | 1,241 |
| Efficiency ratio | 76.1871% | 2,912 |
| Assets per employee ($millions) | 2.8827% | 6,417 |
| Cash dividends to net income (ytd only)* | 30.5204% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 5,689 |
| Loan loss allowance to noncurrent loans | 101.6043% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 5,804 |
| Noncurrent loans to loans | 1.1369% | 4,965 |
| Net loans and leases to total assets | 54.5779% | 5,760 |
| Net loans and leases to deposits | 64.1910% | 5,892 |
| Net loans and leases to core deposits | 64.1910% | 6,286 |
| Total domestic deposits to total assets | 85.0242% | 3,608 |
| Equity capital to assets | 11.6467% | 2,410 |
| Core capital (leverage) ratio | 12.0538% | 1,642 |
| Tier 1 risk-based capital ratio | 19.2106% | 1,706 |
| Total risk-based capital ratio | 20.3156% | 1,700 |
| Memoranda: | ||
| Average total assets | $87,964,750 | 5,414 |
| Average earning assets | $83,257,250 | 5,297 |
| Average equity | $9,940,000 | 5,216 |
| Average total loans | $48,388,000 | 5,625 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3947% | 2,994 |
| Cost of funding earning assets | 1.6562% | 2,355 |
| Net interest margin | 3.7385% | 4,191 |
| Noninterest income to average assets | 0.6012% | 3,326 |
| Noninterest expense to average assets | 3.2481% | 2,735 |
| Loan and lease loss provision to assets | 0.0617% | 6,335 |
| Net operating income to assets | 0.6933% | 3,430 |
| Return on assets (ROA) | 0.7932% | 3,151 |
| Pretax return on assets | 0.9394% | 3,348 |
| Return on Equity (ROE) | 7.0932% | 3,260 |
| Retained earnings to average equity (ytd only) | 5.7441% | 2,471 |
| Net charge-offs to loans | 0.0666% | 5,475 |
| Credit loss provision to net charge-offs | 168.7500% | 2,323 |
| Earnings coverage of net charge-offs (x) | 24.1250% | 1,086 |
| Efficiency ratio | 78.6386% | 2,638 |
| Assets per employee ($millions) | 2.8594% | 6,434 |
| Cash dividends to net income (ytd only)* | 19.0202% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 5,611 |
| Loan loss allowance to noncurrent loans | 106.8311% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 5,610 |
| Noncurrent loans to loans | 1.0943% | 5,130 |
| Net loans and leases to total assets | 53.6930% | 6,024 |
| Net loans and leases to deposits | 63.1840% | 6,119 |
| Net loans and leases to core deposits | 63.1840% | 6,466 |
| Total domestic deposits to total assets | 84.9787% | 3,639 |
| Equity capital to assets | 11.3266% | 2,571 |
| Core capital (leverage) ratio | 11.9398% | 1,676 |
| Tier 1 risk-based capital ratio | 19.5943% | 1,581 |
| Total risk-based capital ratio | 20.7194% | 1,586 |
| Memoranda: | ||
| Average total assets | $87,498,330 | 5,466 |
| Average earning assets | $82,599,670 | 5,350 |
| Average equity | $9,784,000 | 5,263 |
| Average total loans | $48,069,670 | 5,686 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5689% | 2,285 |
| Cost of funding earning assets | 1.6966% | 2,409 |
| Net interest margin | 3.8723% | 3,444 |
| Noninterest income to average assets | 0.5476% | 3,665 |
| Noninterest expense to average assets | 3.1751% | 2,956 |
| Loan and lease loss provision to assets | 0.0322% | 6,351 |
| Net operating income to assets | 0.7774% | 3,071 |
| Return on assets (ROA) | 0.7593% | 3,274 |
| Pretax return on assets | 0.9617% | 3,230 |
| Return on Equity (ROE) | 6.8351% | 3,428 |
| Retained earnings to average equity (ytd only) | 5.1781% | 3,053 |
| Net charge-offs to loans | 0.0500% | 4,905 |
| Credit loss provision to net charge-offs | 116.6667% | 2,990 |
| Earnings coverage of net charge-offs (x) | 36.8333% | 739 |
| Efficiency ratio | 75.7409% | 3,261 |
| Assets per employee ($millions) | 2.7826% | 6,683 |
| Cash dividends to net income (ytd only)* | 24.2424% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 5,691 |
| Loan loss allowance to noncurrent loans | 105.9387% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.1871% | 4,800 |
| Noncurrent loans to loans | 1.0985% | 5,158 |
| Net loans and leases to total assets | 54.4446% | 5,972 |
| Net loans and leases to deposits | 62.5541% | 6,223 |
| Net loans and leases to core deposits | 62.5541% | 6,552 |
| Total domestic deposits to total assets | 87.0360% | 2,615 |
| Equity capital to assets | 11.2471% | 2,540 |
| Core capital (leverage) ratio | 12.0301% | 1,640 |
| Tier 1 risk-based capital ratio | 19.2387% | 1,666 |
| Total risk-based capital ratio | 20.3414% | 1,669 |
| Memoranda: | ||
| Average total assets | $86,927,000 | 5,551 |
| Average earning assets | $81,811,500 | 5,444 |
| Average equity | $9,656,000 | 5,331 |
| Average total loans | $48,026,000 | 5,755 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1266% | 1,445 |
| Cost of funding earning assets | 1.9555% | 3,185 |
| Net interest margin | 4.1711% | 2,175 |
| Noninterest income to average assets | 0.8072% | 2,372 |
| Noninterest expense to average assets | 3.1392% | 3,589 |
| Loan and lease loss provision to assets | 0.4772% | 3,972 |
| Net operating income to assets | 0.9010% | 2,173 |
| Return on assets (ROA) | 1.0146% | 1,840 |
| Pretax return on assets | 1.2856% | 1,736 |
| Return on Equity (ROE) | 9.3013% | 1,922 |
| Retained earnings to average equity (ytd only) | 6.6114% | 1,118 |
| Net charge-offs to loans | 0.8975% | 2,597 |
| Credit loss provision to net charge-offs | 93.5335% | 5,870 |
| Earnings coverage of net charge-offs (x) | 3.1732% | 3,470 |
| Efficiency ratio | 65.9733% | 5,396 |
| Assets per employee ($millions) | 2.8255% | 6,613 |
| Cash dividends to net income (ytd only)* | 28.9199% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 5,704 |
| Loan loss allowance to noncurrent loans | 126.3158% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.1154% | 4,858 |
| Noncurrent loans to loans | 0.9004% | 5,509 |
| Net loans and leases to total assets | 54.7790% | 6,108 |
| Net loans and leases to deposits | 65.6784% | 6,087 |
| Net loans and leases to core deposits | 74.3365% | 6,516 |
| Total domestic deposits to total assets | 83.4049% | 4,333 |
| Equity capital to assets | 10.9713% | 2,724 |
| Core capital (leverage) ratio | 11.7554% | 1,782 |
| Tier 1 risk-based capital ratio | 17.7362% | 1,963 |
| Total risk-based capital ratio | 18.7642% | 1,984 |
| Memoranda: | ||
| Average total assets | $84,861,200 | 5,567 |
| Average earning assets | $80,387,400 | 5,442 |
| Average equity | $9,256,800 | 5,528 |
| Average total loans | $48,244,600 | 5,748 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1615% | 1,470 |
| Cost of funding earning assets | 2.0066% | 3,327 |
| Net interest margin | 4.1549% | 2,198 |
| Noninterest income to average assets | 0.7682% | 2,605 |
| Noninterest expense to average assets | 3.2581% | 3,086 |
| Loan and lease loss provision to assets | 0.2012% | 5,378 |
| Net operating income to assets | 0.9189% | 2,346 |
| Return on assets (ROA) | 1.0438% | 1,981 |
| Pretax return on assets | 1.4255% | 1,633 |
| Return on Equity (ROE) | 9.5832% | 2,071 |
| Retained earnings to average equity (ytd only) | 8.0564% | 1,120 |
| Net charge-offs to loans | 0.2297% | 4,622 |
| Credit loss provision to net charge-offs | 153.0120% | 3,122 |
| Earnings coverage of net charge-offs (x) | 11.0727% | 1,885 |
| Efficiency ratio | 69.1196% | 4,760 |
| Assets per employee ($millions) | 2.9772% | 6,225 |
| Cash dividends to net income (ytd only)* | 15.9337% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 4,607 |
| Loan loss allowance to noncurrent loans | 62.8399% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.2752% | 4,520 |
| Noncurrent loans to loans | 2.0395% | 3,580 |
| Net loans and leases to total assets | 55.6696% | 6,179 |
| Net loans and leases to deposits | 66.3418% | 6,277 |
| Net loans and leases to core deposits | 75.3602% | 6,650 |
| Total domestic deposits to total assets | 83.9132% | 3,760 |
| Equity capital to assets | 11.6507% | 2,468 |
| Core capital (leverage) ratio | 11.9469% | 1,825 |
| Tier 1 risk-based capital ratio | 18.6986% | 1,818 |
| Total risk-based capital ratio | 19.9313% | 1,782 |
| Memoranda: | ||
| Average total assets | $84,178,500 | 5,616 |
| Average earning assets | $79,935,250 | 5,497 |
| Average equity | $9,168,500 | 5,608 |
| Average total loans | $48,172,250 | 5,795 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1273% | 1,699 |
| Cost of funding earning assets | 2.0466% | 3,539 |
| Net interest margin | 4.0807% | 2,389 |
| Noninterest income to average assets | 0.7884% | 2,473 |
| Noninterest expense to average assets | 3.2591% | 3,117 |
| Loan and lease loss provision to assets | 0.1366% | 5,709 |
| Net operating income to assets | 0.9305% | 2,340 |
| Return on assets (ROA) | 1.0424% | 2,040 |
| Pretax return on assets | 1.4211% | 1,663 |
| Return on Equity (ROE) | 9.8065% | 2,088 |
| Retained earnings to average equity (ytd only) | 8.3412% | 1,107 |
| Net charge-offs to loans | 0.1917% | 4,345 |
| Credit loss provision to net charge-offs | 123.9130% | 3,754 |
| Earnings coverage of net charge-offs (x) | 12.7391% | 1,793 |
| Efficiency ratio | 69.8869% | 4,806 |
| Assets per employee ($millions) | 2.6953% | 6,842 |
| Cash dividends to net income (ytd only)* | 14.9425% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 4,706 |
| Loan loss allowance to noncurrent loans | 113.8728% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7269% | 5,594 |
| Noncurrent loans to loans | 1.0848% | 5,029 |
| Net loans and leases to total assets | 54.7855% | 6,358 |
| Net loans and leases to deposits | 66.2131% | 6,372 |
| Net loans and leases to core deposits | 75.5033% | 6,706 |
| Total domestic deposits to total assets | 82.7411% | 4,364 |
| Equity capital to assets | 10.6723% | 3,234 |
| Core capital (leverage) ratio | 11.6573% | 1,996 |
| Tier 1 risk-based capital ratio | 18.4694% | 1,880 |
| Total risk-based capital ratio | 19.6454% | 1,857 |
| Memoranda: | ||
| Average total assets | $83,458,670 | 5,684 |
| Average earning assets | $79,252,000 | 5,557 |
| Average equity | $8,871,670 | 5,731 |
| Average total loans | $48,000,330 | 5,851 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1166% | 1,885 |
| Cost of funding earning assets | 2.1364% | 3,489 |
| Net interest margin | 3.9802% | 2,724 |
| Noninterest income to average assets | 0.7458% | 2,626 |
| Noninterest expense to average assets | 3.2561% | 2,775 |
| Loan and lease loss provision to assets | 0.1414% | 5,135 |
| Net operating income to assets | 0.8481% | 2,915 |
| Return on assets (ROA) | 1.0090% | 2,415 |
| Pretax return on assets | 1.3404% | 2,146 |
| Return on Equity (ROE) | 9.5118% | 2,525 |
| Retained earnings to average equity (ytd only) | 8.3630% | 1,675 |
| Net charge-offs to loans | 0.0416% | 4,901 |
| Credit loss provision to net charge-offs | 580.0000% | 976 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 700 |
| Efficiency ratio | 71.9828% | 4,195 |
| Assets per employee ($millions) | 2.5704% | 7,150 |
| Cash dividends to net income (ytd only)* | 12.0773% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 4,402 |
| Loan loss allowance to noncurrent loans | 76.0705% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.9653% | 4,782 |
| Noncurrent loans to loans | 1.6469% | 3,806 |
| Net loans and leases to total assets | 57.8805% | 5,960 |
| Net loans and leases to deposits | 68.9286% | 6,085 |
| Net loans and leases to core deposits | 78.4191% | 6,505 |
| Total domestic deposits to total assets | 83.9716% | 3,719 |
| Equity capital to assets | 10.6439% | 3,335 |
| Core capital (leverage) ratio | 11.2401% | 2,308 |
| Tier 1 risk-based capital ratio | 18.4231% | 1,955 |
| Total risk-based capital ratio | 19.6467% | 1,918 |
| Memoranda: | ||
| Average total assets | $82,062,500 | 5,748 |
| Average earning assets | $77,886,500 | 5,630 |
| Average equity | $8,705,000 | 5,810 |
| Average total loans | $48,078,500 | 5,874 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7688% | 1,793 |
| Cost of funding earning assets | 2.3382% | 4,978 |
| Net interest margin | 4.4307% | 1,594 |
| Noninterest income to average assets | 0.7868% | 2,591 |
| Noninterest expense to average assets | 3.4809% | 2,453 |
| Loan and lease loss provision to assets | 0.1498% | 5,441 |
| Net operating income to assets | 1.0493% | 2,353 |
| Return on assets (ROA) | 1.0930% | 2,091 |
| Pretax return on assets | 1.3939% | 1,989 |
| Return on Equity (ROE) | 9.9570% | 2,276 |
| Retained earnings to average equity (ytd only) | 7.8921% | 878 |
| Net charge-offs to loans | 0.3517% | 3,071 |
| Credit loss provision to net charge-offs | 71.8750% | 6,049 |
| Earnings coverage of net charge-offs (x) | 7.1375% | 3,179 |
| Efficiency ratio | 70.0577% | 4,339 |
| Assets per employee ($millions) | 2.4809% | 7,237 |
| Cash dividends to net income (ytd only)* | 20.7390% | 4,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 4,460 |
| Loan loss allowance to noncurrent loans | 82.1530% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 0.8623% | 4,693 |
| Noncurrent loans to loans | 1.4726% | 3,592 |
| Net loans and leases to total assets | 57.8520% | 6,221 |
| Net loans and leases to deposits | 72.4043% | 6,007 |
| Net loans and leases to core deposits | 80.1015% | 6,609 |
| Total domestic deposits to total assets | 79.9013% | 5,058 |
| Equity capital to assets | 10.5715% | 3,422 |
| Core capital (leverage) ratio | 11.0751% | 2,531 |
| Tier 1 risk-based capital ratio | 18.4548% | 1,928 |
| Total risk-based capital ratio | 19.6558% | 1,881 |
| Memoranda: | ||
| Average total assets | $76,762,200 | 5,806 |
| Average earning assets | $72,449,800 | 5,725 |
| Average equity | $8,426,200 | 5,935 |
| Average total loans | $45,494,400 | 5,906 |