Home > The Citizens Bank of Weston > Performance and Condition Ratios
The Citizens Bank of Weston, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2615% | 1,554 |
| Cost of funding earning assets | 1.2247% | 2,744 |
| Net interest margin | 4.0369% | 1,147 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.0955% | 3,414 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.6017% | 865 |
| Return on assets (ROA) | 1.5883% | 846 |
| Pretax return on assets | 2.0492% | 625 |
| Return on Equity (ROE) | 17.0300% | 943 |
| Retained earnings to average equity (ytd only) | 7.6820% | 1,639 |
| Net charge-offs to loans | 0.0750% | 1,112 |
| Credit loss provision to net charge-offs | 198.3471% | 1,231 |
| Earnings coverage of net charge-offs (x) | 44.4050% | 1,370 |
| Efficiency ratio | 49.2107% | 4,026 |
| Assets per employee ($millions) | 7.1635% | 1,968 |
| Cash dividends to net income (ytd only)* | 54.8910% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 2,448 |
| Loan loss allowance to noncurrent loans | 269.4194% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 1,600 |
| Noncurrent loans to loans | 0.4351% | 1,694 |
| Net loans and leases to total assets | 68.2700% | 2,004 |
| Net loans and leases to deposits | 84.0765% | 1,773 |
| Net loans and leases to core deposits | 87.7234% | 2,190 |
| Total domestic deposits to total assets | 81.2000% | 3,271 |
| Equity capital to assets | 9.6702% | 2,223 |
| Core capital (leverage) ratio | 10.8305% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $248,441,800 | 2,691 |
| Average earning assets | $238,106,000 | 2,639 |
| Average equity | $23,171,000 | 2,617 |
| Average total loans | $161,324,000 | 2,591 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1052% | 1,628 |
| Cost of funding earning assets | 1.0068% | 3,014 |
| Net interest margin | 4.0984% | 1,072 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.0773% | 3,404 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.6608% | 846 |
| Return on assets (ROA) | 1.6428% | 867 |
| Pretax return on assets | 2.1120% | 643 |
| Return on Equity (ROE) | 17.7900% | 974 |
| Retained earnings to average equity (ytd only) | 10.1130% | 1,372 |
| Net charge-offs to loans | 0.0492% | 1,186 |
| Credit loss provision to net charge-offs | 310.3448% | 862 |
| Earnings coverage of net charge-offs (x) | 71.0345% | 1,106 |
| Efficiency ratio | 48.2022% | 4,031 |
| Assets per employee ($millions) | 7.1529% | 1,846 |
| Cash dividends to net income (ytd only)* | 43.1398% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 2,409 |
| Loan loss allowance to noncurrent loans | 355.0085% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 1,836 |
| Noncurrent loans to loans | 0.3354% | 2,029 |
| Net loans and leases to total assets | 67.3900% | 2,122 |
| Net loans and leases to deposits | 82.4429% | 1,873 |
| Net loans and leases to core deposits | 85.3745% | 2,222 |
| Total domestic deposits to total assets | 81.7400% | 3,266 |
| Equity capital to assets | 9.1820% | 2,300 |
| Core capital (leverage) ratio | 11.0012% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $246,080,750 | 2,712 |
| Average earning assets | $235,335,250 | 2,663 |
| Average equity | $22,729,250 | 2,636 |
| Average total loans | $157,120,000 | 2,626 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8663% | 1,848 |
| Cost of funding earning assets | 0.7001% | 3,488 |
| Net interest margin | 4.1662% | 976 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.1018% | 3,339 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.6826% | 813 |
| Return on assets (ROA) | 1.6552% | 862 |
| Pretax return on assets | 2.1282% | 592 |
| Return on Equity (ROE) | 17.8800% | 974 |
| Retained earnings to average equity (ytd only) | 10.1229% | 1,370 |
| Net charge-offs to loans | 0.0172% | 1,569 |
| Credit loss provision to net charge-offs | 923.0769% | 435 |
| Earnings coverage of net charge-offs (x) | 210.7692% | 581 |
| Efficiency ratio | 48.1650% | 4,056 |
| Assets per employee ($millions) | 7.2387% | 1,760 |
| Cash dividends to net income (ytd only)* | 43.3915% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 2,057 |
| Loan loss allowance to noncurrent loans | 87.5580% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 477 |
| Noncurrent loans to loans | 1.4522% | 470 |
| Net loans and leases to total assets | 65.5000% | 2,212 |
| Net loans and leases to deposits | 78.9331% | 2,052 |
| Net loans and leases to core deposits | 81.1843% | 2,398 |
| Total domestic deposits to total assets | 82.9800% | 3,053 |
| Equity capital to assets | 9.3403% | 2,278 |
| Core capital (leverage) ratio | 11.2970% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $242,272,667 | 2,733 |
| Average earning assets | $231,388,667 | 2,696 |
| Average equity | $22,424,333 | 2,668 |
| Average total loans | $150,951,667 | 2,663 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 1,821 |
| Cost of funding earning assets | 0.4290% | 3,887 |
| Net interest margin | 4.2808% | 834 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.1102% | 3,359 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.7394% | 763 |
| Return on assets (ROA) | 1.6842% | 844 |
| Pretax return on assets | 2.1702% | 594 |
| Return on Equity (ROE) | 18.2800% | 990 |
| Retained earnings to average equity (ytd only) | 10.6040% | 1,555 |
| Net charge-offs to loans | 0.0028% | 1,923 |
| Credit loss provision to net charge-offs | 6,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 1,406.0000% | 64 |
| Efficiency ratio | 47.4196% | 4,127 |
| Assets per employee ($millions) | 6.7809% | 2,135 |
| Cash dividends to net income (ytd only)* | 41.9960% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 1,799 |
| Loan loss allowance to noncurrent loans | 89.2213% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.9851% | 421 |
| Noncurrent loans to loans | 1.5183% | 428 |
| Net loans and leases to total assets | 62.2200% | 2,446 |
| Net loans and leases to deposits | 70.5855% | 2,564 |
| Net loans and leases to core deposits | 72.5474% | 2,779 |
| Total domestic deposits to total assets | 88.1500% | 1,875 |
| Equity capital to assets | 9.5583% | 2,097 |
| Core capital (leverage) ratio | 11.2085% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $240,351,500 | 2,791 |
| Average earning assets | $229,394,000 | 2,739 |
| Average equity | $22,142,500 | 2,707 |
| Average total loans | $144,790,500 | 2,755 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7804% | 2,331 |
| Cost of funding earning assets | 0.1719% | 3,988 |
| Net interest margin | 3.6085% | 1,622 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.8976% | 3,824 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.3999% | 1,130 |
| Return on assets (ROA) | 1.3999% | 1,091 |
| Pretax return on assets | 1.8031% | 729 |
| Return on Equity (ROE) | 15.1400% | 1,223 |
| Retained earnings to average equity (ytd only) | 5.5518% | 2,808 |
| Net charge-offs to loans | 0.0028% | 2,395 |
| Credit loss provision to net charge-offs | 6,000.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 1,137.7500% | 159 |
| Efficiency ratio | 49.9230% | 4,133 |
| Assets per employee ($millions) | 6.9534% | 2,007 |
| Cash dividends to net income (ytd only)* | 63.3403% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 1,468 |
| Loan loss allowance to noncurrent loans | 83.5030% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 437 |
| Noncurrent loans to loans | 1.6858% | 371 |
| Net loans and leases to total assets | 56.6600% | 2,949 |
| Net loans and leases to deposits | 63.6983% | 3,066 |
| Net loans and leases to core deposits | 64.7770% | 3,222 |
| Total domestic deposits to total assets | 88.9600% | 1,731 |
| Equity capital to assets | 8.8754% | 2,437 |
| Core capital (leverage) ratio | 10.8104% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $239,091,600 | 2,782 |
| Average earning assets | $227,518,000 | 2,754 |
| Average equity | $22,100,800 | 2,765 |
| Average total loans | $142,446,600 | 2,701 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5204% | 2,549 |
| Cost of funding earning assets | 0.1566% | 3,765 |
| Net interest margin | 3.3638% | 2,089 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.7891% | 4,003 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.2968% | 1,360 |
| Return on assets (ROA) | 1.2968% | 1,328 |
| Pretax return on assets | 1.6816% | 936 |
| Return on Equity (ROE) | 13.8900% | 1,459 |
| Retained earnings to average equity (ytd only) | 6.2388% | 2,662 |
| Net charge-offs to loans | 0.0075% | 1,863 |
| Credit loss provision to net charge-offs | 2,250.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 397.7500% | 385 |
| Efficiency ratio | 50.0941% | 4,156 |
| Assets per employee ($millions) | 6.9690% | 1,965 |
| Cash dividends to net income (ytd only)* | 55.0756% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 1,890 |
| Loan loss allowance to noncurrent loans | 61.7704% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.3290% | 280 |
| Noncurrent loans to loans | 2.1525% | 271 |
| Net loans and leases to total assets | 59.6600% | 2,537 |
| Net loans and leases to deposits | 66.7698% | 2,649 |
| Net loans and leases to core deposits | 67.9247% | 2,809 |
| Total domestic deposits to total assets | 89.3600% | 1,935 |
| Equity capital to assets | 8.7303% | 2,389 |
| Core capital (leverage) ratio | 10.7549% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $238,022,000 | 2,814 |
| Average earning assets | $226,444,500 | 2,781 |
| Average equity | $22,226,000 | 2,801 |
| Average total loans | $143,089,750 | 2,707 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2653% | 2,855 |
| Cost of funding earning assets | 0.1556% | 3,505 |
| Net interest margin | 3.1097% | 2,504 |
| Noninterest income to average assets | 0.3608% | 2,989 |
| Noninterest expense to average assets | 1.7686% | 4,019 |
| Loan and lease loss provision to assets | 0.1007% | 994 |
| Net operating income to assets | 1.1259% | 1,682 |
| Return on assets (ROA) | 1.1259% | 1,660 |
| Pretax return on assets | 1.4590% | 1,286 |
| Return on Equity (ROE) | 11.8033% | 1,720 |
| Retained earnings to average equity (ytd only) | 4.3273% | 2,962 |
| Net charge-offs to loans | 0.0084% | 1,675 |
| Credit loss provision to net charge-offs | 2,000.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 309.8333% | 395 |
| Efficiency ratio | 53.1384% | 4,036 |
| Assets per employee ($millions) | 7.2448% | 1,775 |
| Cash dividends to net income (ytd only)* | 63.3383% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 2,208 |
| Loan loss allowance to noncurrent loans | 95.6995% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 647 |
| Noncurrent loans to loans | 1.3544% | 571 |
| Net loans and leases to total assets | 58.8312% | 2,453 |
| Net loans and leases to deposits | 65.7758% | 2,565 |
| Net loans and leases to core deposits | 67.0613% | 2,732 |
| Total domestic deposits to total assets | 89.4420% | 1,980 |
| Equity capital to assets | 9.1714% | 2,263 |
| Core capital (leverage) ratio | 10.5316% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,380,667 | 2,838 |
| Average earning assets | $227,479,667 | 2,815 |
| Average equity | $22,739,333 | 2,839 |
| Average total loans | $143,027,667 | 2,721 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0790% | 3,040 |
| Cost of funding earning assets | 0.1597% | 3,376 |
| Net interest margin | 2.9194% | 2,769 |
| Noninterest income to average assets | 0.3361% | 3,083 |
| Noninterest expense to average assets | 1.7779% | 3,995 |
| Loan and lease loss provision to assets | 0.1008% | 827 |
| Net operating income to assets | 0.9696% | 1,998 |
| Return on assets (ROA) | 0.9696% | 1,996 |
| Pretax return on assets | 1.2536% | 1,646 |
| Return on Equity (ROE) | 9.9717% | 1,975 |
| Retained earnings to average equity (ytd only) | 2.6269% | 3,381 |
| Net charge-offs to loans | 0.0084% | 1,444 |
| Credit loss provision to net charge-offs | 2,000.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 268.6667% | 346 |
| Efficiency ratio | 56.7597% | 3,813 |
| Assets per employee ($millions) | 7.5818% | 1,637 |
| Cash dividends to net income (ytd only)* | 73.6568% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 2,571 |
| Loan loss allowance to noncurrent loans | 125.8790% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 1,007 |
| Noncurrent loans to loans | 0.9977% | 907 |
| Net loans and leases to total assets | 58.0106% | 2,295 |
| Net loans and leases to deposits | 65.1265% | 2,419 |
| Net loans and leases to core deposits | 66.6694% | 2,562 |
| Total domestic deposits to total assets | 89.0737% | 2,047 |
| Equity capital to assets | 9.2179% | 2,512 |
| Core capital (leverage) ratio | 10.3988% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,031,500 | 2,858 |
| Average earning assets | $227,993,500 | 2,827 |
| Average equity | $23,145,500 | 2,897 |
| Average total loans | $143,291,500 | 2,710 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5037% | 2,647 |
| Cost of funding earning assets | 0.2365% | 3,073 |
| Net interest margin | 3.2671% | 2,420 |
| Noninterest income to average assets | 0.3910% | 3,095 |
| Noninterest expense to average assets | 1.8613% | 4,022 |
| Loan and lease loss provision to assets | 0.0783% | 1,558 |
| Net operating income to assets | 1.2151% | 1,879 |
| Return on assets (ROA) | 1.2151% | 1,926 |
| Pretax return on assets | 1.5738% | 1,500 |
| Return on Equity (ROE) | 11.3376% | 2,042 |
| Retained earnings to average equity (ytd only) | 2.3732% | 3,865 |
| Net charge-offs to loans | 0.0028% | 2,523 |
| Credit loss provision to net charge-offs | 4,425.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 933.7500% | 158 |
| Efficiency ratio | 52.9775% | 4,039 |
| Assets per employee ($millions) | 6.8661% | 2,022 |
| Cash dividends to net income (ytd only)* | 79.0681% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,871 |
| Loan loss allowance to noncurrent loans | 114.5406% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 1,003 |
| Noncurrent loans to loans | 1.0503% | 933 |
| Net loans and leases to total assets | 60.9633% | 2,062 |
| Net loans and leases to deposits | 69.2065% | 2,203 |
| Net loans and leases to core deposits | 70.9283% | 2,366 |
| Total domestic deposits to total assets | 88.0889% | 2,000 |
| Equity capital to assets | 10.2494% | 2,420 |
| Core capital (leverage) ratio | 10.6021% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5079% | 1,161 |
| Memoranda: | ||
| Average total assets | $226,080,400 | 2,866 |
| Average earning assets | $216,060,200 | 2,836 |
| Average equity | $24,229,200 | 2,900 |
| Average total loans | $143,204,600 | 2,696 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5881% | 2,593 |
| Cost of funding earning assets | 0.2539% | 3,083 |
| Net interest margin | 3.3341% | 2,325 |
| Noninterest income to average assets | 0.3883% | 3,163 |
| Noninterest expense to average assets | 1.9324% | 3,861 |
| Loan and lease loss provision to assets | 0.0477% | 2,046 |
| Net operating income to assets | 1.2260% | 2,081 |
| Return on assets (ROA) | 1.2260% | 2,140 |
| Pretax return on assets | 1.5935% | 1,720 |
| Return on Equity (ROE) | 11.3116% | 2,269 |
| Retained earnings to average equity (ytd only) | 4.0869% | 3,551 |
| Net charge-offs to loans | 0.0037% | 2,215 |
| Credit loss provision to net charge-offs | 2,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 690.0000% | 233 |
| Efficiency ratio | 54.0765% | 3,805 |
| Assets per employee ($millions) | 6.9499% | 1,908 |
| Cash dividends to net income (ytd only)* | 63.8700% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,376 |
| Loan loss allowance to noncurrent loans | 120.1175% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 1,334 |
| Noncurrent loans to loans | 0.9272% | 1,236 |
| Net loans and leases to total assets | 61.4720% | 2,082 |
| Net loans and leases to deposits | 69.7071% | 2,271 |
| Net loans and leases to core deposits | 71.4552% | 2,470 |
| Total domestic deposits to total assets | 88.1861% | 1,725 |
| Equity capital to assets | 10.4174% | 2,519 |
| Core capital (leverage) ratio | 10.8066% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4038% | 1,267 |
| Memoranda: | ||
| Average total assets | $224,238,750 | 2,913 |
| Average earning assets | $214,223,500 | 2,873 |
| Average equity | $24,304,750 | 2,922 |
| Average total loans | $142,993,250 | 2,737 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7756% | 2,132 |
| Cost of funding earning assets | 0.2766% | 3,024 |
| Net interest margin | 3.4989% | 1,859 |
| Noninterest income to average assets | 0.3796% | 3,215 |
| Noninterest expense to average assets | 1.9753% | 3,775 |
| Loan and lease loss provision to assets | 0.0272% | 2,436 |
| Net operating income to assets | 1.3214% | 1,798 |
| Return on assets (ROA) | 1.3214% | 1,864 |
| Pretax return on assets | 1.7201% | 1,432 |
| Return on Equity (ROE) | 12.0243% | 2,053 |
| Retained earnings to average equity (ytd only) | 4.7684% | 3,273 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0617% | 3,922 |
| Assets per employee ($millions) | 6.3702% | 2,262 |
| Cash dividends to net income (ytd only)* | 60.3436% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 3,515 |
| Loan loss allowance to noncurrent loans | 100.9524% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.7064% | 1,162 |
| Noncurrent loans to loans | 1.0666% | 1,141 |
| Net loans and leases to total assets | 65.5201% | 1,751 |
| Net loans and leases to deposits | 74.7753% | 1,928 |
| Net loans and leases to core deposits | 76.5748% | 2,187 |
| Total domestic deposits to total assets | 87.6227% | 2,029 |
| Equity capital to assets | 10.9703% | 2,001 |
| Core capital (leverage) ratio | 11.0153% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7565% | 1,179 |
| Memoranda: | ||
| Average total assets | $220,219,000 | 2,940 |
| Average earning assets | $210,406,333 | 2,903 |
| Average equity | $24,201,000 | 2,926 |
| Average total loans | $141,693,333 | 2,761 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8156% | 2,057 |
| Cost of funding earning assets | 0.3057% | 2,929 |
| Net interest margin | 3.5099% | 1,798 |
| Noninterest income to average assets | 0.3674% | 3,257 |
| Noninterest expense to average assets | 1.9027% | 3,978 |
| Loan and lease loss provision to assets | 0.0274% | 2,426 |
| Net operating income to assets | 1.3745% | 1,625 |
| Return on assets (ROA) | 1.3745% | 1,709 |
| Pretax return on assets | 1.7948% | 1,296 |
| Return on Equity (ROE) | 12.4958% | 1,835 |
| Retained earnings to average equity (ytd only) | 5.2011% | 3,162 |
| Net charge-offs to loans | -0.0058% | 3,450 |
| Credit loss provision to net charge-offs | -750.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0795% | 4,084 |
| Assets per employee ($millions) | 6.3308% | 2,309 |
| Cash dividends to net income (ytd only)* | 58.3777% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 3,432 |
| Loan loss allowance to noncurrent loans | 74.8102% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9514% | 883 |
| Noncurrent loans to loans | 1.4697% | 856 |
| Net loans and leases to total assets | 64.0190% | 2,037 |
| Net loans and leases to deposits | 72.9789% | 2,216 |
| Net loans and leases to core deposits | 75.1594% | 2,418 |
| Total domestic deposits to total assets | 87.7226% | 1,990 |
| Equity capital to assets | 10.9185% | 1,926 |
| Core capital (leverage) ratio | 11.2997% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8756% | 1,094 |
| Memoranda: | ||
| Average total assets | $218,850,500 | 2,939 |
| Average earning assets | $209,349,500 | 2,899 |
| Average equity | $24,072,000 | 2,923 |
| Average total loans | $138,704,500 | 2,801 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0201% | 2,665 |
| Cost of funding earning assets | 0.4238% | 3,437 |
| Net interest margin | 3.5963% | 2,153 |
| Noninterest income to average assets | 0.4056% | 3,067 |
| Noninterest expense to average assets | 2.0232% | 4,096 |
| Loan and lease loss provision to assets | 0.1475% | 2,529 |
| Net operating income to assets | 1.2808% | 1,303 |
| Return on assets (ROA) | 1.2774% | 1,414 |
| Pretax return on assets | 1.6604% | 929 |
| Return on Equity (ROE) | 11.2094% | 1,553 |
| Retained earnings to average equity (ytd only) | 2.0833% | 3,790 |
| Net charge-offs to loans | 0.0601% | 1,916 |
| Credit loss provision to net charge-offs | 383.7500% | 1,484 |
| Earnings coverage of net charge-offs (x) | 47.1375% | 1,256 |
| Efficiency ratio | 52.7503% | 4,327 |
| Assets per employee ($millions) | 6.1749% | 2,189 |
| Cash dividends to net income (ytd only)* | 81.4146% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 3,135 |
| Loan loss allowance to noncurrent loans | 57.6923% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.2511% | 664 |
| Noncurrent loans to loans | 2.0182% | 564 |
| Net loans and leases to total assets | 61.2707% | 2,693 |
| Net loans and leases to deposits | 69.8878% | 2,888 |
| Net loans and leases to core deposits | 71.9412% | 3,076 |
| Total domestic deposits to total assets | 87.6700% | 1,622 |
| Equity capital to assets | 11.1034% | 2,170 |
| Core capital (leverage) ratio | 11.3765% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4204% | 979 |
| Memoranda: | ||
| Average total assets | $208,085,200 | 2,878 |
| Average earning assets | $198,453,400 | 2,841 |
| Average equity | $23,712,200 | 2,889 |
| Average total loans | $133,122,400 | 2,827 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2412% | 2,275 |
| Cost of funding earning assets | 0.4516% | 3,522 |
| Net interest margin | 3.7896% | 1,648 |
| Noninterest income to average assets | 0.4095% | 3,029 |
| Noninterest expense to average assets | 2.0342% | 4,080 |
| Loan and lease loss provision to assets | 0.0752% | 3,382 |
| Net operating income to assets | 1.4681% | 966 |
| Return on assets (ROA) | 1.4635% | 1,053 |
| Pretax return on assets | 1.9106% | 619 |
| Return on Equity (ROE) | 12.7572% | 1,180 |
| Retained earnings to average equity (ytd only) | 5.3747% | 2,393 |
| Net charge-offs to loans | 0.0140% | 2,616 |
| Credit loss provision to net charge-offs | 828.5714% | 953 |
| Earnings coverage of net charge-offs (x) | 219.8571% | 465 |
| Efficiency ratio | 50.5304% | 4,457 |
| Assets per employee ($millions) | 6.2074% | 2,078 |
| Cash dividends to net income (ytd only)* | 57.8691% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,567 |
| Loan loss allowance to noncurrent loans | 84.6608% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8031% | 1,432 |
| Noncurrent loans to loans | 1.2158% | 1,252 |
| Net loans and leases to total assets | 65.3750% | 2,598 |
| Net loans and leases to deposits | 75.0646% | 2,843 |
| Net loans and leases to core deposits | 77.2090% | 3,077 |
| Total domestic deposits to total assets | 87.0917% | 1,630 |
| Equity capital to assets | 11.5480% | 1,970 |
| Core capital (leverage) ratio | 11.7971% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3136% | 1,003 |
| Memoranda: | ||
| Average total assets | $206,075,750 | 2,873 |
| Average earning assets | $196,639,500 | 2,841 |
| Average equity | $23,641,000 | 2,895 |
| Average total loans | $132,908,000 | 2,841 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5333% | 1,818 |
| Cost of funding earning assets | 0.4841% | 3,634 |
| Net interest margin | 4.0492% | 1,221 |
| Noninterest income to average assets | 0.4109% | 3,014 |
| Noninterest expense to average assets | 2.0487% | 4,135 |
| Loan and lease loss provision to assets | 0.1135% | 2,880 |
| Net operating income to assets | 1.6124% | 745 |
| Return on assets (ROA) | 1.6124% | 814 |
| Pretax return on assets | 2.1114% | 428 |
| Return on Equity (ROE) | 14.0871% | 870 |
| Retained earnings to average equity (ytd only) | 6.6503% | 1,799 |
| Net charge-offs to loans | 0.0122% | 2,529 |
| Credit loss provision to net charge-offs | 1,450.0000% | 613 |
| Earnings coverage of net charge-offs (x) | 284.2500% | 333 |
| Efficiency ratio | 47.9396% | 4,636 |
| Assets per employee ($millions) | 5.8288% | 2,342 |
| Cash dividends to net income (ytd only)* | 52.7913% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,359 |
| Loan loss allowance to noncurrent loans | 85.4686% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 1,546 |
| Noncurrent loans to loans | 1.2194% | 1,289 |
| Net loans and leases to total assets | 65.2035% | 2,735 |
| Net loans and leases to deposits | 75.0370% | 2,969 |
| Net loans and leases to core deposits | 76.8472% | 3,213 |
| Total domestic deposits to total assets | 86.8951% | 1,665 |
| Equity capital to assets | 11.4575% | 2,002 |
| Core capital (leverage) ratio | 11.9157% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1437% | 1,028 |
| Memoranda: | ||
| Average total assets | $204,417,667 | 2,868 |
| Average earning assets | $195,001,333 | 2,833 |
| Average equity | $23,397,333 | 2,899 |
| Average total loans | $130,741,000 | 2,860 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 2,363 |
| Cost of funding earning assets | 0.5245% | 3,826 |
| Net interest margin | 3.9566% | 1,515 |
| Noninterest income to average assets | 0.3946% | 3,142 |
| Noninterest expense to average assets | 2.0743% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5944% | 635 |
| Return on assets (ROA) | 1.5944% | 697 |
| Pretax return on assets | 2.0902% | 378 |
| Return on Equity (ROE) | 13.9372% | 710 |
| Retained earnings to average equity (ytd only) | 6.3965% | 1,752 |
| Net charge-offs to loans | 0.0063% | 2,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 527.0000% | 116 |
| Efficiency ratio | 49.8095% | 4,684 |
| Assets per employee ($millions) | 5.5047% | 2,116 |
| Cash dividends to net income (ytd only)* | 54.1045% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,637 |
| Loan loss allowance to noncurrent loans | 86.2605% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7786% | 1,739 |
| Noncurrent loans to loans | 1.1742% | 1,406 |
| Net loans and leases to total assets | 65.6403% | 2,855 |
| Net loans and leases to deposits | 75.6835% | 3,100 |
| Net loans and leases to core deposits | 77.7574% | 3,367 |
| Total domestic deposits to total assets | 86.7299% | 1,678 |
| Equity capital to assets | 11.5155% | 2,425 |
| Core capital (leverage) ratio | 11.8079% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7242% | 1,190 |
| Memoranda: | ||
| Average total assets | $201,708,000 | 2,851 |
| Average earning assets | $192,184,500 | 2,810 |
| Average equity | $23,075,000 | 2,918 |
| Average total loans | $126,980,500 | 2,869 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6164% | 2,555 |
| Cost of funding earning assets | 0.5094% | 4,046 |
| Net interest margin | 4.1071% | 1,523 |
| Noninterest income to average assets | 0.4565% | 2,968 |
| Noninterest expense to average assets | 2.0879% | 4,384 |
| Loan and lease loss provision to assets | 0.0741% | 2,513 |
| Net operating income to assets | 1.6768% | 694 |
| Return on assets (ROA) | 1.6768% | 741 |
| Pretax return on assets | 2.1946% | 388 |
| Return on Equity (ROE) | 15.0111% | 686 |
| Retained earnings to average equity (ytd only) | 7.0146% | 1,381 |
| Net charge-offs to loans | 0.1575% | 1,276 |
| Credit loss provision to net charge-offs | 78.1250% | 2,816 |
| Earnings coverage of net charge-offs (x) | 23.9167% | 1,795 |
| Efficiency ratio | 47.9247% | 4,834 |
| Assets per employee ($millions) | 5.7013% | 1,876 |
| Cash dividends to net income (ytd only)* | 53.2705% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 3,018 |
| Loan loss allowance to noncurrent loans | 72.4063% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8970% | 1,419 |
| Noncurrent loans to loans | 1.5022% | 961 |
| Net loans and leases to total assets | 59.0598% | 3,667 |
| Net loans and leases to deposits | 67.7822% | 3,835 |
| Net loans and leases to core deposits | 69.5570% | 3,987 |
| Total domestic deposits to total assets | 87.1317% | 1,547 |
| Equity capital to assets | 11.3667% | 2,649 |
| Core capital (leverage) ratio | 11.5081% | 2,104 |
| Tier 1 risk-based capital ratio | 17.8678% | 1,795 |
| Total risk-based capital ratio | 18.8752% | 1,812 |
| Memoranda: | ||
| Average total assets | $202,405,200 | 2,820 |
| Average earning assets | $192,205,400 | 2,779 |
| Average equity | $22,610,000 | 2,902 |
| Average total loans | $121,871,000 | 2,924 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 2,457 |
| Cost of funding earning assets | 0.5004% | 4,142 |
| Net interest margin | 4.1876% | 1,403 |
| Noninterest income to average assets | 0.4416% | 3,069 |
| Noninterest expense to average assets | 2.0440% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8093% | 602 |
| Return on assets (ROA) | 1.8093% | 637 |
| Pretax return on assets | 2.3699% | 325 |
| Return on Equity (ROE) | 16.2695% | 570 |
| Retained earnings to average equity (ytd only) | 9.7724% | 805 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3082% | 4,925 |
| Assets per employee ($millions) | 5.6830% | 1,860 |
| Cash dividends to net income (ytd only)* | 39.9343% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 3,006 |
| Loan loss allowance to noncurrent loans | 51.1343% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.3144% | 913 |
| Noncurrent loans to loans | 2.1592% | 601 |
| Net loans and leases to total assets | 60.1998% | 3,658 |
| Net loans and leases to deposits | 69.1850% | 3,821 |
| Net loans and leases to core deposits | 70.6344% | 4,024 |
| Total domestic deposits to total assets | 87.0129% | 1,508 |
| Equity capital to assets | 11.4875% | 2,669 |
| Core capital (leverage) ratio | 11.7569% | 2,040 |
| Tier 1 risk-based capital ratio | 18.2442% | 1,749 |
| Total risk-based capital ratio | 19.3027% | 1,754 |
| Memoranda: | ||
| Average total assets | $201,694,500 | 2,846 |
| Average earning assets | $191,320,750 | 2,804 |
| Average equity | $22,430,000 | 2,941 |
| Average total loans | $121,700,750 | 2,958 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 2,355 |
| Cost of funding earning assets | 0.4910% | 4,156 |
| Net interest margin | 4.2102% | 1,337 |
| Noninterest income to average assets | 0.3936% | 3,309 |
| Noninterest expense to average assets | 2.0565% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7835% | 617 |
| Return on assets (ROA) | 1.7835% | 640 |
| Pretax return on assets | 2.3355% | 331 |
| Return on Equity (ROE) | 16.2192% | 556 |
| Retained earnings to average equity (ytd only) | 9.6228% | 871 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8240% | 4,949 |
| Assets per employee ($millions) | 5.4957% | 1,973 |
| Cash dividends to net income (ytd only)* | 40.6704% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 2,961 |
| Loan loss allowance to noncurrent loans | 148.4881% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 2,661 |
| Noncurrent loans to loans | 0.7545% | 2,097 |
| Net loans and leases to total assets | 61.3389% | 3,616 |
| Net loans and leases to deposits | 70.8913% | 3,772 |
| Net loans and leases to core deposits | 72.4327% | 3,980 |
| Total domestic deposits to total assets | 86.5253% | 1,810 |
| Equity capital to assets | 11.5646% | 2,563 |
| Core capital (leverage) ratio | 11.4305% | 2,225 |
| Tier 1 risk-based capital ratio | 18.1452% | 1,768 |
| Total risk-based capital ratio | 19.2245% | 1,766 |
| Memoranda: | ||
| Average total assets | $200,730,330 | 2,867 |
| Average earning assets | $190,632,330 | 2,819 |
| Average equity | $22,072,670 | 2,966 |
| Average total loans | $120,755,670 | 2,982 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 2,479 |
| Cost of funding earning assets | 0.4838% | 4,138 |
| Net interest margin | 4.1323% | 1,475 |
| Noninterest income to average assets | 0.3640% | 3,420 |
| Noninterest expense to average assets | 2.0517% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6916% | 742 |
| Return on assets (ROA) | 1.6916% | 768 |
| Pretax return on assets | 2.2159% | 432 |
| Return on Equity (ROE) | 15.7829% | 620 |
| Retained earnings to average equity (ytd only) | 9.0821% | 1,293 |
| Net charge-offs to loans | 0.0033% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1,120.0000% | 45 |
| Efficiency ratio | 48.0760% | 4,940 |
| Assets per employee ($millions) | 5.8661% | 1,651 |
| Cash dividends to net income (ytd only)* | 42.4561% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 2,943 |
| Loan loss allowance to noncurrent loans | 132.7536% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 2,603 |
| Noncurrent loans to loans | 0.8544% | 1,930 |
| Net loans and leases to total assets | 58.3341% | 3,848 |
| Net loans and leases to deposits | 70.5396% | 3,732 |
| Net loans and leases to core deposits | 72.2206% | 3,933 |
| Total domestic deposits to total assets | 82.6971% | 3,505 |
| Equity capital to assets | 10.7519% | 3,102 |
| Core capital (leverage) ratio | 11.2103% | 2,380 |
| Tier 1 risk-based capital ratio | 17.6471% | 1,899 |
| Total risk-based capital ratio | 18.7225% | 1,895 |
| Memoranda: | ||
| Average total assets | $202,173,000 | 2,883 |
| Average earning assets | $190,981,500 | 2,841 |
| Average equity | $21,669,000 | 3,011 |
| Average total loans | $119,768,000 | 3,021 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3583% | 2,902 |
| Cost of funding earning assets | 0.3920% | 4,033 |
| Net interest margin | 3.9662% | 2,107 |
| Noninterest income to average assets | 0.3958% | 3,466 |
| Noninterest expense to average assets | 2.0290% | 4,703 |
| Loan and lease loss provision to assets | 0.0482% | 3,215 |
| Net operating income to assets | 1.6308% | 810 |
| Return on assets (ROA) | 1.6308% | 802 |
| Pretax return on assets | 2.1181% | 420 |
| Return on Equity (ROE) | 16.1275% | 605 |
| Retained earnings to average equity (ytd only) | 7.3701% | 1,514 |
| Net charge-offs to loans | -0.0693% | 5,061 |
| Credit loss provision to net charge-offs | -116.6667% | 4,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3633% | 5,029 |
| Assets per employee ($millions) | 5.6867% | 1,783 |
| Cash dividends to net income (ytd only)* | 54.3012% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,762 |
| Loan loss allowance to noncurrent loans | 117.7226% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 2,274 |
| Noncurrent loans to loans | 0.9865% | 1,647 |
| Net loans and leases to total assets | 58.7940% | 3,893 |
| Net loans and leases to deposits | 71.0625% | 3,747 |
| Net loans and leases to core deposits | 72.5413% | 3,953 |
| Total domestic deposits to total assets | 82.7356% | 3,409 |
| Equity capital to assets | 10.6831% | 3,005 |
| Core capital (leverage) ratio | 10.9551% | 2,570 |
| Tier 1 risk-based capital ratio | 17.5356% | 1,891 |
| Total risk-based capital ratio | 18.6288% | 1,888 |
| Memoranda: | ||
| Average total assets | $203,149,600 | 2,828 |
| Average earning assets | $194,619,000 | 2,770 |
| Average equity | $20,542,600 | 3,041 |
| Average total loans | $121,177,000 | 2,979 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 2,999 |
| Cost of funding earning assets | 0.3650% | 4,085 |
| Net interest margin | 3.9257% | 2,214 |
| Noninterest income to average assets | 0.3977% | 3,498 |
| Noninterest expense to average assets | 2.0113% | 4,719 |
| Loan and lease loss provision to assets | 0.0640% | 2,692 |
| Net operating income to assets | 1.5986% | 965 |
| Return on assets (ROA) | 1.5986% | 970 |
| Pretax return on assets | 2.0942% | 488 |
| Return on Equity (ROE) | 16.0291% | 694 |
| Retained earnings to average equity (ytd only) | 8.9312% | 1,248 |
| Net charge-offs to loans | -0.1893% | 5,293 |
| Credit loss provision to net charge-offs | -56.6474% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2381% | 5,043 |
| Assets per employee ($millions) | 6.0133% | 1,474 |
| Cash dividends to net income (ytd only)* | 44.2811% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 2,886 |
| Loan loss allowance to noncurrent loans | 150.3080% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 2,774 |
| Noncurrent loans to loans | 0.7677% | 2,169 |
| Net loans and leases to total assets | 61.3352% | 3,716 |
| Net loans and leases to deposits | 73.7003% | 3,620 |
| Net loans and leases to core deposits | 74.9213% | 3,884 |
| Total domestic deposits to total assets | 83.2225% | 3,224 |
| Equity capital to assets | 10.2376% | 3,410 |
| Core capital (leverage) ratio | 10.8427% | 2,743 |
| Tier 1 risk-based capital ratio | 16.4030% | 2,301 |
| Total risk-based capital ratio | 17.4992% | 2,301 |
| Memoranda: | ||
| Average total assets | $204,178,500 | 2,843 |
| Average earning assets | $196,170,500 | 2,773 |
| Average equity | $20,362,500 | 3,084 |
| Average total loans | $121,872,500 | 3,002 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2421% | 2,975 |
| Cost of funding earning assets | 0.3377% | 4,151 |
| Net interest margin | 3.9044% | 2,187 |
| Noninterest income to average assets | 0.4116% | 3,414 |
| Noninterest expense to average assets | 2.0089% | 4,784 |
| Loan and lease loss provision to assets | 0.0960% | 2,009 |
| Net operating income to assets | 1.5758% | 977 |
| Return on assets (ROA) | 1.5758% | 978 |
| Pretax return on assets | 2.0677% | 515 |
| Return on Equity (ROE) | 15.9421% | 687 |
| Retained earnings to average equity (ytd only) | 8.7840% | 1,286 |
| Net charge-offs to loans | -0.2828% | 5,380 |
| Credit loss provision to net charge-offs | -57.6471% | 4,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1447% | 5,111 |
| Assets per employee ($millions) | 5.8756% | 1,569 |
| Cash dividends to net income (ytd only)* | 44.9005% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 2,822 |
| Loan loss allowance to noncurrent loans | 132.9390% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 2,583 |
| Noncurrent loans to loans | 0.8898% | 1,942 |
| Net loans and leases to total assets | 61.0958% | 3,699 |
| Net loans and leases to deposits | 74.6517% | 3,474 |
| Net loans and leases to core deposits | 75.6999% | 3,764 |
| Total domestic deposits to total assets | 81.8411% | 3,774 |
| Equity capital to assets | 10.2853% | 3,352 |
| Core capital (leverage) ratio | 10.5777% | 2,946 |
| Tier 1 risk-based capital ratio | 16.4715% | 2,266 |
| Total risk-based capital ratio | 17.5946% | 2,257 |
| Memoranda: | ||
| Average total assets | $204,087,330 | 2,864 |
| Average earning assets | $196,600,330 | 2,786 |
| Average equity | $20,173,000 | 3,114 |
| Average total loans | $120,208,330 | 3,034 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2032% | 2,873 |
| Cost of funding earning assets | 0.2999% | 4,353 |
| Net interest margin | 3.9032% | 2,033 |
| Noninterest income to average assets | 0.4383% | 3,192 |
| Noninterest expense to average assets | 1.9976% | 4,854 |
| Loan and lease loss provision to assets | 0.1901% | 888 |
| Net operating income to assets | 1.5380% | 983 |
| Return on assets (ROA) | 1.5380% | 992 |
| Pretax return on assets | 2.0112% | 562 |
| Return on Equity (ROE) | 15.8711% | 645 |
| Retained earnings to average equity (ytd only) | 8.6461% | 1,603 |
| Net charge-offs to loans | -0.6579% | 5,514 |
| Credit loss provision to net charge-offs | -50.2564% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5751% | 5,209 |
| Assets per employee ($millions) | 6.1294% | 1,416 |
| Cash dividends to net income (ytd only)* | 45.5233% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,447 |
| Loan loss allowance to noncurrent loans | 112.5758% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 2,415 |
| Noncurrent loans to loans | 1.1214% | 1,635 |
| Net loans and leases to total assets | 55.7675% | 4,139 |
| Net loans and leases to deposits | 67.7587% | 3,960 |
| Net loans and leases to core deposits | 68.5650% | 4,186 |
| Total domestic deposits to total assets | 82.3032% | 3,871 |
| Equity capital to assets | 9.6478% | 3,945 |
| Core capital (leverage) ratio | 10.2385% | 3,256 |
| Tier 1 risk-based capital ratio | 17.1954% | 2,057 |
| Total risk-based capital ratio | 18.4137% | 2,025 |
| Memoranda: | ||
| Average total assets | $206,246,000 | 2,878 |
| Average earning assets | $198,707,500 | 2,800 |
| Average equity | $19,986,000 | 3,159 |
| Average total loans | $118,556,500 | 3,084 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8272% | 3,955 |
| Cost of funding earning assets | 0.2497% | 4,568 |
| Net interest margin | 3.5775% | 3,243 |
| Noninterest income to average assets | 0.3369% | 4,058 |
| Noninterest expense to average assets | 2.0024% | 4,953 |
| Loan and lease loss provision to assets | 0.0605% | 3,026 |
| Net operating income to assets | 1.0380% | 2,099 |
| Return on assets (ROA) | 1.0380% | 2,131 |
| Pretax return on assets | 1.7134% | 974 |
| Return on Equity (ROE) | 10.3738% | 1,737 |
| Retained earnings to average equity (ytd only) | 1.8903% | 4,182 |
| Net charge-offs to loans | 0.0084% | 3,784 |
| Credit loss provision to net charge-offs | 1,200.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 351.7000% | 252 |
| Efficiency ratio | 53.0252% | 5,034 |
| Assets per employee ($millions) | 6.0027% | 1,512 |
| Cash dividends to net income (ytd only)* | 81.7784% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,961 |
| Loan loss allowance to noncurrent loans | 58.7685% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 0.9946% | 1,554 |
| Noncurrent loans to loans | 1.7001% | 963 |
| Net loans and leases to total assets | 57.9221% | 4,012 |
| Net loans and leases to deposits | 70.8447% | 3,807 |
| Net loans and leases to core deposits | 71.8187% | 4,061 |
| Total domestic deposits to total assets | 81.7593% | 3,924 |
| Equity capital to assets | 9.7338% | 3,986 |
| Core capital (leverage) ratio | 10.0975% | 3,327 |
| Tier 1 risk-based capital ratio | 16.7190% | 2,189 |
| Total risk-based capital ratio | 17.6901% | 2,220 |
| Memoranda: | ||
| Average total assets | $198,262,000 | 2,938 |
| Average earning assets | $190,609,600 | 2,855 |
| Average equity | $19,838,400 | 3,164 |
| Average total loans | $118,500,600 | 3,079 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7685% | 4,111 |
| Cost of funding earning assets | 0.2454% | 4,604 |
| Net interest margin | 3.5231% | 3,412 |
| Noninterest income to average assets | 0.3374% | 4,119 |
| Noninterest expense to average assets | 2.0439% | 4,864 |
| Loan and lease loss provision to assets | 0.0610% | 2,860 |
| Net operating income to assets | 1.0602% | 2,285 |
| Return on assets (ROA) | 1.0602% | 2,317 |
| Pretax return on assets | 1.6178% | 1,357 |
| Return on Equity (ROE) | 10.5217% | 1,897 |
| Retained earnings to average equity (ytd only) | 3.8255% | 3,641 |
| Net charge-offs to loans | 0.0079% | 3,442 |
| Credit loss provision to net charge-offs | 1,285.7143% | 285 |
| Earnings coverage of net charge-offs (x) | 354.1179% | 264 |
| Efficiency ratio | 54.9045% | 4,858 |
| Assets per employee ($millions) | 5.5846% | 1,841 |
| Cash dividends to net income (ytd only)* | 63.6425% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 4,266 |
| Loan loss allowance to noncurrent loans | 62.1535% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 0.9331% | 1,832 |
| Noncurrent loans to loans | 1.5512% | 1,199 |
| Net loans and leases to total assets | 59.5729% | 3,915 |
| Net loans and leases to deposits | 72.5319% | 3,718 |
| Net loans and leases to core deposits | 73.5370% | 4,016 |
| Total domestic deposits to total assets | 82.1334% | 3,735 |
| Equity capital to assets | 10.0345% | 3,874 |
| Core capital (leverage) ratio | 10.3891% | 3,096 |
| Tier 1 risk-based capital ratio | 16.7600% | 2,229 |
| Total risk-based capital ratio | 17.7077% | 2,286 |
| Memoranda: | ||
| Average total assets | $196,804,250 | 2,976 |
| Average earning assets | $189,108,000 | 2,904 |
| Average equity | $19,831,500 | 3,184 |
| Average total loans | $118,273,750 | 3,105 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7006% | 4,229 |
| Cost of funding earning assets | 0.2429% | 4,612 |
| Net interest margin | 3.4577% | 3,557 |
| Noninterest income to average assets | 0.3296% | 4,187 |
| Noninterest expense to average assets | 2.0564% | 4,862 |
| Loan and lease loss provision to assets | 0.0614% | 2,736 |
| Net operating income to assets | 1.0103% | 2,378 |
| Return on assets (ROA) | 1.0103% | 2,417 |
| Pretax return on assets | 1.5333% | 1,537 |
| Return on Equity (ROE) | 10.0115% | 2,031 |
| Retained earnings to average equity (ytd only) | 3.3270% | 3,735 |
| Net charge-offs to loans | 0.0068% | 3,215 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 389.5000% | 216 |
| Efficiency ratio | 56.3218% | 4,793 |
| Assets per employee ($millions) | 5.1527% | 2,208 |
| Cash dividends to net income (ytd only)* | 66.7680% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 4,295 |
| Loan loss allowance to noncurrent loans | 60.7791% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9571% | 1,833 |
| Noncurrent loans to loans | 1.6040% | 1,152 |
| Net loans and leases to total assets | 59.0866% | 3,911 |
| Net loans and leases to deposits | 72.0027% | 3,739 |
| Net loans and leases to core deposits | 73.1495% | 4,008 |
| Total domestic deposits to total assets | 82.0617% | 3,868 |
| Equity capital to assets | 10.1775% | 3,697 |
| Core capital (leverage) ratio | 10.3968% | 3,026 |
| Tier 1 risk-based capital ratio | 17.2276% | 2,084 |
| Total risk-based capital ratio | 18.1904% | 2,129 |
| Memoranda: | ||
| Average total assets | $195,390,330 | 3,003 |
| Average earning assets | $187,697,000 | 2,936 |
| Average equity | $19,717,330 | 3,189 |
| Average total loans | $117,386,670 | 3,128 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6592% | 4,245 |
| Cost of funding earning assets | 0.2417% | 4,617 |
| Net interest margin | 3.4175% | 3,587 |
| Noninterest income to average assets | 0.3340% | 4,168 |
| Noninterest expense to average assets | 2.0104% | 5,032 |
| Loan and lease loss provision to assets | 0.0615% | 2,579 |
| Net operating income to assets | 1.0185% | 2,231 |
| Return on assets (ROA) | 1.0185% | 2,283 |
| Pretax return on assets | 1.5370% | 1,417 |
| Return on Equity (ROE) | 10.1367% | 1,911 |
| Retained earnings to average equity (ytd only) | 3.5692% | 3,657 |
| Net charge-offs to loans | 0.0068% | 2,736 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 390.0000% | 150 |
| Efficiency ratio | 55.7070% | 4,965 |
| Assets per employee ($millions) | 5.2545% | 2,130 |
| Cash dividends to net income (ytd only)* | 64.7887% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 4,458 |
| Loan loss allowance to noncurrent loans | 64.0346% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 0.8689% | 2,134 |
| Noncurrent loans to loans | 1.5111% | 1,317 |
| Net loans and leases to total assets | 56.9459% | 4,075 |
| Net loans and leases to deposits | 69.0540% | 3,889 |
| Net loans and leases to core deposits | 70.3672% | 4,121 |
| Total domestic deposits to total assets | 82.4657% | 4,034 |
| Equity capital to assets | 9.8817% | 3,896 |
| Core capital (leverage) ratio | 10.4997% | 2,900 |
| Tier 1 risk-based capital ratio | 17.0855% | 2,156 |
| Total risk-based capital ratio | 18.0239% | 2,226 |
| Memoranda: | ||
| Average total assets | $195,183,500 | 3,042 |
| Average earning assets | $187,037,500 | 2,971 |
| Average equity | $19,612,000 | 3,217 |
| Average total loans | $117,663,500 | 3,147 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5942% | 4,521 |
| Cost of funding earning assets | 0.2653% | 4,410 |
| Net interest margin | 3.3288% | 4,057 |
| Noninterest income to average assets | 0.3432% | 4,279 |
| Noninterest expense to average assets | 1.9782% | 5,231 |
| Loan and lease loss provision to assets | 0.1701% | 1,435 |
| Net operating income to assets | 0.9480% | 2,597 |
| Return on assets (ROA) | 0.9480% | 2,703 |
| Pretax return on assets | 1.3920% | 1,975 |
| Return on Equity (ROE) | 9.3093% | 2,270 |
| Retained earnings to average equity (ytd only) | 0.7665% | 5,016 |
| Net charge-offs to loans | 0.2548% | 1,083 |
| Credit loss provision to net charge-offs | 110.0334% | 2,377 |
| Earnings coverage of net charge-offs (x) | 10.1070% | 2,675 |
| Efficiency ratio | 55.8768% | 5,080 |
| Assets per employee ($millions) | 5.4484% | 1,908 |
| Cash dividends to net income (ytd only)* | 91.7666% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 4,791 |
| Loan loss allowance to noncurrent loans | 74.0766% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 0.7667% | 2,436 |
| Noncurrent loans to loans | 1.2132% | 1,695 |
| Net loans and leases to total assets | 62.6278% | 3,523 |
| Net loans and leases to deposits | 75.4036% | 3,377 |
| Net loans and leases to core deposits | 76.9040% | 3,670 |
| Total domestic deposits to total assets | 83.0567% | 3,748 |
| Equity capital to assets | 10.2221% | 3,469 |
| Core capital (leverage) ratio | 10.4816% | 2,894 |
| Tier 1 risk-based capital ratio | 16.5249% | 2,341 |
| Total risk-based capital ratio | 17.4174% | 2,425 |
| Memoranda: | ||
| Average total assets | $193,458,600 | 3,030 |
| Average earning assets | $185,800,800 | 2,942 |
| Average equity | $19,700,800 | 3,199 |
| Average total loans | $117,354,400 | 3,104 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5481% | 4,684 |
| Cost of funding earning assets | 0.2706% | 4,384 |
| Net interest margin | 3.2776% | 4,266 |
| Noninterest income to average assets | 0.3331% | 4,404 |
| Noninterest expense to average assets | 1.9950% | 5,215 |
| Loan and lease loss provision to assets | 0.2053% | 1,027 |
| Net operating income to assets | 0.8536% | 3,132 |
| Return on assets (ROA) | 0.8536% | 3,262 |
| Pretax return on assets | 1.2773% | 2,516 |
| Return on Equity (ROE) | 8.3902% | 2,813 |
| Retained earnings to average equity (ytd only) | 1.5660% | 4,882 |
| Net charge-offs to loans | 0.3386% | 681 |
| Credit loss provision to net charge-offs | 101.0135% | 2,330 |
| Earnings coverage of net charge-offs (x) | 7.2938% | 2,893 |
| Efficiency ratio | 57.3657% | 4,913 |
| Assets per employee ($millions) | 5.3651% | 1,991 |
| Cash dividends to net income (ytd only)* | 81.3358% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 5,003 |
| Loan loss allowance to noncurrent loans | 73.8978% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7399% | 2,710 |
| Noncurrent loans to loans | 1.1664% | 1,923 |
| Net loans and leases to total assets | 62.8874% | 3,537 |
| Net loans and leases to deposits | 75.5135% | 3,451 |
| Net loans and leases to core deposits | 76.8406% | 3,767 |
| Total domestic deposits to total assets | 83.2797% | 3,490 |
| Equity capital to assets | 10.2878% | 3,817 |
| Core capital (leverage) ratio | 10.4409% | 3,054 |
| Tier 1 risk-based capital ratio | 16.3187% | 2,486 |
| Total risk-based capital ratio | 17.1746% | 2,597 |
| Memoranda: | ||
| Average total assets | $194,149,500 | 3,030 |
| Average earning assets | $186,271,000 | 2,951 |
| Average equity | $19,752,750 | 3,217 |
| Average total loans | $116,565,250 | 3,128 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5070% | 4,844 |
| Cost of funding earning assets | 0.2760% | 4,384 |
| Net interest margin | 3.2310% | 4,440 |
| Noninterest income to average assets | 0.3106% | 4,556 |
| Noninterest expense to average assets | 1.9950% | 5,278 |
| Loan and lease loss provision to assets | 0.2766% | 669 |
| Net operating income to assets | 0.7641% | 3,485 |
| Return on assets (ROA) | 0.7641% | 3,622 |
| Pretax return on assets | 1.1332% | 3,071 |
| Return on Equity (ROE) | 7.5379% | 3,238 |
| Retained earnings to average equity (ytd only) | 0.5478% | 5,142 |
| Net charge-offs to loans | 0.5062% | 430 |
| Credit loss provision to net charge-offs | 92.7586% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.7276% | 2,948 |
| Efficiency ratio | 58.5926% | 4,826 |
| Assets per employee ($millions) | 5.3214% | 1,963 |
| Cash dividends to net income (ytd only)* | 92.7322% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 5,082 |
| Loan loss allowance to noncurrent loans | 70.0136% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 0.7694% | 2,679 |
| Noncurrent loans to loans | 1.2341% | 1,864 |
| Net loans and leases to total assets | 61.8097% | 3,644 |
| Net loans and leases to deposits | 74.2387% | 3,564 |
| Net loans and leases to core deposits | 75.9443% | 3,829 |
| Total domestic deposits to total assets | 83.2580% | 3,553 |
| Equity capital to assets | 10.2953% | 3,869 |
| Core capital (leverage) ratio | 10.3445% | 3,140 |
| Tier 1 risk-based capital ratio | 16.4186% | 2,460 |
| Total risk-based capital ratio | 17.2677% | 2,571 |
| Memoranda: | ||
| Average total assets | $194,485,330 | 3,046 |
| Average earning assets | $186,257,670 | 2,971 |
| Average equity | $19,713,670 | 3,231 |
| Average total loans | $114,581,000 | 3,168 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4522% | 4,999 |
| Cost of funding earning assets | 0.2778% | 4,417 |
| Net interest margin | 3.1744% | 4,659 |
| Noninterest income to average assets | 0.3307% | 4,365 |
| Noninterest expense to average assets | 1.9700% | 5,397 |
| Loan and lease loss provision to assets | 0.0612% | 2,717 |
| Net operating income to assets | 0.9146% | 2,677 |
| Return on assets (ROA) | 0.9146% | 2,794 |
| Pretax return on assets | 1.3555% | 2,069 |
| Return on Equity (ROE) | 9.0923% | 2,381 |
| Retained earnings to average equity (ytd only) | 2.5572% | 4,221 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1676% | 4,977 |
| Assets per employee ($millions) | 5.4868% | 1,840 |
| Cash dividends to net income (ytd only)* | 71.8750% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 4,822 |
| Loan loss allowance to noncurrent loans | 78.7636% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 2,979 |
| Noncurrent loans to loans | 1.2119% | 2,003 |
| Net loans and leases to total assets | 56.8918% | 4,159 |
| Net loans and leases to deposits | 68.0926% | 4,050 |
| Net loans and leases to core deposits | 69.4919% | 4,274 |
| Total domestic deposits to total assets | 83.5505% | 3,693 |
| Equity capital to assets | 10.0174% | 4,057 |
| Core capital (leverage) ratio | 10.3356% | 3,148 |
| Tier 1 risk-based capital ratio | 17.1598% | 2,228 |
| Total risk-based capital ratio | 18.0877% | 2,294 |
| Memoranda: | ||
| Average total assets | $195,942,000 | 3,030 |
| Average earning assets | $188,634,500 | 2,950 |
| Average equity | $19,709,000 | 3,232 |
| Average total loans | $112,150,500 | 3,210 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4346% | 5,085 |
| Cost of funding earning assets | 0.2908% | 4,359 |
| Net interest margin | 3.1437% | 4,795 |
| Noninterest income to average assets | 0.3129% | 4,653 |
| Noninterest expense to average assets | 1.9212% | 5,585 |
| Loan and lease loss provision to assets | 0.1048% | 2,233 |
| Net operating income to assets | 0.9108% | 2,807 |
| Return on assets (ROA) | 0.9108% | 2,891 |
| Pretax return on assets | 1.3161% | 2,221 |
| Return on Equity (ROE) | 8.8363% | 2,533 |
| Retained earnings to average equity (ytd only) | 0.3625% | 5,369 |
| Net charge-offs to loans | 0.1942% | 1,499 |
| Credit loss provision to net charge-offs | 92.6606% | 2,708 |
| Earnings coverage of net charge-offs (x) | 12.5596% | 2,452 |
| Efficiency ratio | 57.4845% | 5,197 |
| Assets per employee ($millions) | 5.7164% | 1,606 |
| Cash dividends to net income (ytd only)* | 95.8974% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 4,871 |
| Loan loss allowance to noncurrent loans | 85.8891% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.6308% | 3,177 |
| Noncurrent loans to loans | 1.1061% | 2,126 |
| Net loans and leases to total assets | 56.4880% | 4,254 |
| Net loans and leases to deposits | 67.5334% | 4,167 |
| Net loans and leases to core deposits | 69.0823% | 4,371 |
| Total domestic deposits to total assets | 83.6446% | 3,618 |
| Equity capital to assets | 10.1004% | 3,858 |
| Core capital (leverage) ratio | 10.2263% | 3,230 |
| Tier 1 risk-based capital ratio | 17.1432% | 2,236 |
| Total risk-based capital ratio | 18.0503% | 2,314 |
| Memoranda: | ||
| Average total assets | $192,688,800 | 3,013 |
| Average earning assets | $185,671,200 | 2,935 |
| Average equity | $19,861,200 | 3,185 |
| Average total loans | $112,227,000 | 3,163 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4367% | 5,124 |
| Cost of funding earning assets | 0.2928% | 4,421 |
| Net interest margin | 3.1439% | 4,834 |
| Noninterest income to average assets | 0.2996% | 4,792 |
| Noninterest expense to average assets | 1.9410% | 5,580 |
| Loan and lease loss provision to assets | 0.0624% | 2,937 |
| Net operating income to assets | 0.9001% | 2,962 |
| Return on assets (ROA) | 0.9001% | 3,048 |
| Pretax return on assets | 1.3266% | 2,294 |
| Return on Equity (ROE) | 8.6884% | 2,737 |
| Retained earnings to average equity (ytd only) | 1.9211% | 4,922 |
| Net charge-offs to loans | 0.0557% | 2,804 |
| Credit loss provision to net charge-offs | 191.4894% | 1,383 |
| Earnings coverage of net charge-offs (x) | 42.6137% | 1,177 |
| Efficiency ratio | 58.2882% | 5,084 |
| Assets per employee ($millions) | 5.5575% | 1,727 |
| Cash dividends to net income (ytd only)* | 77.8894% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 4,868 |
| Loan loss allowance to noncurrent loans | 78.4203% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 3,084 |
| Noncurrent loans to loans | 1.2428% | 2,056 |
| Net loans and leases to total assets | 58.0863% | 4,130 |
| Net loans and leases to deposits | 69.6731% | 4,025 |
| Net loans and leases to core deposits | 71.2706% | 4,250 |
| Total domestic deposits to total assets | 83.3698% | 3,667 |
| Equity capital to assets | 10.3170% | 3,792 |
| Core capital (leverage) ratio | 10.4925% | 3,058 |
| Tier 1 risk-based capital ratio | 16.9220% | 2,409 |
| Total risk-based capital ratio | 17.8574% | 2,480 |
| Memoranda: | ||
| Average total assets | $192,271,500 | 3,053 |
| Average earning assets | $185,326,000 | 2,965 |
| Average equity | $19,918,750 | 3,206 |
| Average total loans | $112,573,250 | 3,191 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4514% | 5,101 |
| Cost of funding earning assets | 0.2947% | 4,447 |
| Net interest margin | 3.1567% | 4,803 |
| Noninterest income to average assets | 0.2830% | 4,931 |
| Noninterest expense to average assets | 1.9569% | 5,620 |
| Loan and lease loss provision to assets | 0.0627% | 2,862 |
| Net operating income to assets | 0.8887% | 2,948 |
| Return on assets (ROA) | 0.8887% | 3,064 |
| Pretax return on assets | 1.3064% | 2,337 |
| Return on Equity (ROE) | 8.5661% | 2,763 |
| Retained earnings to average equity (ytd only) | 1.6307% | 4,884 |
| Net charge-offs to loans | 0.0660% | 2,435 |
| Credit loss provision to net charge-offs | 162.1622% | 1,455 |
| Earnings coverage of net charge-offs (x) | 35.4324% | 1,219 |
| Efficiency ratio | 58.8383% | 5,129 |
| Assets per employee ($millions) | 5.4668% | 1,769 |
| Cash dividends to net income (ytd only)* | 80.9636% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 4,989 |
| Loan loss allowance to noncurrent loans | 113.5135% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5211% | 3,877 |
| Noncurrent loans to loans | 0.8581% | 2,985 |
| Net loans and leases to total assets | 58.0225% | 4,096 |
| Net loans and leases to deposits | 69.7207% | 3,964 |
| Net loans and leases to core deposits | 71.3453% | 4,191 |
| Total domestic deposits to total assets | 83.2213% | 3,862 |
| Equity capital to assets | 10.3905% | 3,571 |
| Core capital (leverage) ratio | 10.3333% | 3,173 |
| Tier 1 risk-based capital ratio | 18.0439% | 2,053 |
| Total risk-based capital ratio | 19.0295% | 2,088 |
| Memoranda: | ||
| Average total assets | $191,524,000 | 3,083 |
| Average earning assets | $184,620,670 | 2,994 |
| Average equity | $19,869,000 | 3,226 |
| Average total loans | $112,065,000 | 3,206 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3830% | 5,240 |
| Cost of funding earning assets | 0.2993% | 4,450 |
| Net interest margin | 3.0837% | 4,997 |
| Noninterest income to average assets | 0.3069% | 4,733 |
| Noninterest expense to average assets | 1.9330% | 5,700 |
| Loan and lease loss provision to assets | 0.0626% | 2,673 |
| Net operating income to assets | 0.8726% | 2,885 |
| Return on assets (ROA) | 0.8726% | 3,008 |
| Pretax return on assets | 1.2796% | 2,357 |
| Return on Equity (ROE) | 8.4177% | 2,739 |
| Retained earnings to average equity (ytd only) | 1.9332% | 4,699 |
| Net charge-offs to loans | 0.0107% | 2,976 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 214.3333% | 267 |
| Efficiency ratio | 59.0185% | 5,226 |
| Assets per employee ($millions) | 5.2629% | 2,039 |
| Cash dividends to net income (ytd only)* | 77.0335% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 5,135 |
| Loan loss allowance to noncurrent loans | 123.1461% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 4,207 |
| Noncurrent loans to loans | 0.7946% | 3,260 |
| Net loans and leases to total assets | 56.9576% | 4,095 |
| Net loans and leases to deposits | 68.1615% | 3,935 |
| Net loans and leases to core deposits | 69.7106% | 4,186 |
| Total domestic deposits to total assets | 83.5628% | 3,990 |
| Equity capital to assets | 10.2311% | 3,850 |
| Core capital (leverage) ratio | 10.5531% | 2,903 |
| Tier 1 risk-based capital ratio | 18.0356% | 2,127 |
| Total risk-based capital ratio | 19.0277% | 2,173 |
| Memoranda: | ||
| Average total assets | $191,617,000 | 3,099 |
| Average earning assets | $184,451,000 | 3,003 |
| Average equity | $19,863,000 | 3,248 |
| Average total loans | $112,042,000 | 3,227 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6127% | 5,053 |
| Cost of funding earning assets | 0.3200% | 4,580 |
| Net interest margin | 3.2926% | 4,601 |
| Noninterest income to average assets | 0.3289% | 4,761 |
| Noninterest expense to average assets | 2.0378% | 5,703 |
| Loan and lease loss provision to assets | 0.0730% | 3,021 |
| Net operating income to assets | 0.9543% | 2,609 |
| Return on assets (ROA) | 0.9543% | 2,688 |
| Pretax return on assets | 1.3681% | 2,010 |
| Return on Equity (ROE) | 8.8541% | 2,660 |
| Retained earnings to average equity (ytd only) | 0.4317% | 5,580 |
| Net charge-offs to loans | 0.0161% | 4,548 |
| Credit loss provision to net charge-offs | 750.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 366 |
| Efficiency ratio | 58.5756% | 5,397 |
| Assets per employee ($millions) | 5.0947% | 2,198 |
| Cash dividends to net income (ytd only)* | 95.1247% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 5,277 |
| Loan loss allowance to noncurrent loans | 114.8228% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 4,153 |
| Noncurrent loans to loans | 0.8307% | 3,234 |
| Net loans and leases to total assets | 58.8876% | 3,933 |
| Net loans and leases to deposits | 70.9036% | 3,799 |
| Net loans and leases to core deposits | 72.5757% | 4,072 |
| Total domestic deposits to total assets | 83.0530% | 4,057 |
| Equity capital to assets | 10.5053% | 3,472 |
| Core capital (leverage) ratio | 10.5354% | 2,907 |
| Tier 1 risk-based capital ratio | 17.7966% | 2,200 |
| Total risk-based capital ratio | 18.7559% | 2,283 |
| Memoranda: | ||
| Average total assets | $184,854,200 | 3,160 |
| Average earning assets | $176,849,600 | 3,080 |
| Average equity | $19,923,000 | 3,167 |
| Average total loans | $111,505,800 | 3,191 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6207% | 5,091 |
| Cost of funding earning assets | 0.3230% | 4,642 |
| Net interest margin | 3.2978% | 4,611 |
| Noninterest income to average assets | 0.3269% | 4,818 |
| Noninterest expense to average assets | 2.0122% | 5,752 |
| Loan and lease loss provision to assets | 0.0819% | 2,713 |
| Net operating income to assets | 0.9423% | 2,720 |
| Return on assets (ROA) | 0.9423% | 2,811 |
| Pretax return on assets | 1.3859% | 2,062 |
| Return on Equity (ROE) | 8.6869% | 2,851 |
| Retained earnings to average equity (ytd only) | 1.9646% | 5,076 |
| Net charge-offs to loans | 0.0216% | 4,087 |
| Credit loss provision to net charge-offs | 627.7778% | 473 |
| Earnings coverage of net charge-offs (x) | 112.4971% | 530 |
| Efficiency ratio | 57.8213% | 5,468 |
| Assets per employee ($millions) | 5.0711% | 2,161 |
| Cash dividends to net income (ytd only)* | 77.3846% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 5,588 |
| Loan loss allowance to noncurrent loans | 119.2483% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 4,492 |
| Noncurrent loans to loans | 0.7593% | 3,704 |
| Net loans and leases to total assets | 61.0717% | 3,616 |
| Net loans and leases to deposits | 73.3202% | 3,517 |
| Net loans and leases to core deposits | 75.3020% | 3,828 |
| Total domestic deposits to total assets | 83.2944% | 4,032 |
| Equity capital to assets | 10.7311% | 3,254 |
| Core capital (leverage) ratio | 10.7586% | 2,748 |
| Tier 1 risk-based capital ratio | 17.3935% | 2,432 |
| Total risk-based capital ratio | 18.3023% | 2,545 |
| Memoranda: | ||
| Average total assets | $183,941,500 | 3,197 |
| Average earning assets | $175,871,500 | 3,117 |
| Average equity | $19,953,000 | 3,176 |
| Average total loans | $111,363,500 | 3,210 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6278% | 5,074 |
| Cost of funding earning assets | 0.3259% | 4,688 |
| Net interest margin | 3.3019% | 4,580 |
| Noninterest income to average assets | 0.3131% | 4,911 |
| Noninterest expense to average assets | 2.0688% | 5,689 |
| Loan and lease loss provision to assets | 0.0493% | 3,317 |
| Net operating income to assets | 0.9195% | 2,704 |
| Return on assets (ROA) | 0.9195% | 2,810 |
| Pretax return on assets | 1.3442% | 2,102 |
| Return on Equity (ROE) | 8.4455% | 2,868 |
| Retained earnings to average equity (ytd only) | 1.9706% | 4,892 |
| Net charge-offs to loans | 0.0200% | 3,812 |
| Credit loss provision to net charge-offs | 409.0909% | 683 |
| Earnings coverage of net charge-offs (x) | 115.7273% | 500 |
| Efficiency ratio | 59.7534% | 5,324 |
| Assets per employee ($millions) | 5.2372% | 1,929 |
| Cash dividends to net income (ytd only)* | 76.6667% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 5,817 |
| Loan loss allowance to noncurrent loans | 114.1204% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 4,586 |
| Noncurrent loans to loans | 0.7615% | 3,800 |
| Net loans and leases to total assets | 61.3569% | 3,512 |
| Net loans and leases to deposits | 73.7565% | 3,349 |
| Net loans and leases to core deposits | 75.7964% | 3,644 |
| Total domestic deposits to total assets | 83.1885% | 4,228 |
| Equity capital to assets | 10.9420% | 2,934 |
| Core capital (leverage) ratio | 10.8229% | 2,602 |
| Tier 1 risk-based capital ratio | 17.5154% | 2,406 |
| Total risk-based capital ratio | 18.3815% | 2,529 |
| Memoranda: | ||
| Average total assets | $182,711,330 | 3,223 |
| Average earning assets | $174,264,330 | 3,146 |
| Average equity | $19,892,330 | 3,181 |
| Average total loans | $109,939,000 | 3,248 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5816% | 5,226 |
| Cost of funding earning assets | 0.3262% | 4,780 |
| Net interest margin | 3.2554% | 4,722 |
| Noninterest income to average assets | 0.3136% | 4,857 |
| Noninterest expense to average assets | 2.0832% | 5,714 |
| Loan and lease loss provision to assets | 0.0504% | 3,090 |
| Net operating income to assets | 0.8881% | 2,711 |
| Return on assets (ROA) | 0.8881% | 2,777 |
| Pretax return on assets | 1.2872% | 2,141 |
| Return on Equity (ROE) | 8.1777% | 2,851 |
| Retained earnings to average equity (ytd only) | 1.6759% | 4,944 |
| Net charge-offs to loans | 0.0222% | 3,134 |
| Credit loss provision to net charge-offs | 383.3333% | 670 |
| Earnings coverage of net charge-offs (x) | 101.6667% | 449 |
| Efficiency ratio | 60.8974% | 5,275 |
| Assets per employee ($millions) | 5.2330% | 1,978 |
| Cash dividends to net income (ytd only)* | 79.5062% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 5,940 |
| Loan loss allowance to noncurrent loans | 122.5032% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 4,877 |
| Noncurrent loans to loans | 0.7134% | 4,088 |
| Net loans and leases to total assets | 58.3455% | 3,791 |
| Net loans and leases to deposits | 69.3336% | 3,686 |
| Net loans and leases to core deposits | 71.1721% | 3,961 |
| Total domestic deposits to total assets | 84.1519% | 4,223 |
| Equity capital to assets | 10.5421% | 3,207 |
| Core capital (leverage) ratio | 10.9076% | 2,479 |
| Tier 1 risk-based capital ratio | 17.7130% | 2,405 |
| Total risk-based capital ratio | 18.5787% | 2,512 |
| Memoranda: | ||
| Average total assets | $182,415,500 | 3,251 |
| Average earning assets | $174,112,500 | 3,171 |
| Average equity | $19,810,000 | 3,187 |
| Average total loans | $108,181,000 | 3,298 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 4,904 |
| Cost of funding earning assets | 0.3657% | 4,998 |
| Net interest margin | 3.4054% | 4,254 |
| Noninterest income to average assets | 0.3721% | 4,653 |
| Noninterest expense to average assets | 2.0762% | 5,879 |
| Loan and lease loss provision to assets | 0.0508% | 4,121 |
| Net operating income to assets | 1.0256% | 2,224 |
| Return on assets (ROA) | 1.0259% | 2,283 |
| Pretax return on assets | 1.4901% | 1,476 |
| Return on Equity (ROE) | 9.2175% | 2,444 |
| Retained earnings to average equity (ytd only) | 0.9081% | 5,429 |
| Net charge-offs to loans | 0.1673% | 3,144 |
| Credit loss provision to net charge-offs | 50.5618% | 3,801 |
| Earnings coverage of net charge-offs (x) | 15.3258% | 1,876 |
| Efficiency ratio | 57.4083% | 5,801 |
| Assets per employee ($millions) | 4.9012% | 2,309 |
| Cash dividends to net income (ytd only)* | 90.1486% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 5,919 |
| Loan loss allowance to noncurrent loans | 107.6923% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 4,734 |
| Noncurrent loans to loans | 0.8381% | 3,884 |
| Net loans and leases to total assets | 59.2401% | 3,838 |
| Net loans and leases to deposits | 70.7024% | 3,697 |
| Net loans and leases to core deposits | 72.5616% | 3,999 |
| Total domestic deposits to total assets | 83.7880% | 4,250 |
| Equity capital to assets | 11.1991% | 2,430 |
| Core capital (leverage) ratio | 11.0053% | 2,380 |
| Tier 1 risk-based capital ratio | 18.3820% | 2,122 |
| Total risk-based capital ratio | 19.2683% | 2,213 |
| Memoranda: | ||
| Average total assets | $177,105,600 | 3,305 |
| Average earning assets | $168,730,800 | 3,233 |
| Average equity | $19,712,400 | 3,186 |
| Average total loans | $106,410,600 | 3,316 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7805% | 4,930 |
| Cost of funding earning assets | 0.3702% | 5,096 |
| Net interest margin | 3.4103% | 4,245 |
| Noninterest income to average assets | 0.3783% | 4,688 |
| Noninterest expense to average assets | 2.0608% | 5,906 |
| Loan and lease loss provision to assets | 0.0511% | 3,998 |
| Net operating income to assets | 1.0397% | 2,225 |
| Return on assets (ROA) | 1.0402% | 2,306 |
| Pretax return on assets | 1.5163% | 1,559 |
| Return on Equity (ROE) | 9.3599% | 2,459 |
| Retained earnings to average equity (ytd only) | 2.8222% | 4,630 |
| Net charge-offs to loans | 0.2188% | 2,512 |
| Credit loss provision to net charge-offs | 38.8571% | 3,727 |
| Earnings coverage of net charge-offs (x) | 11.9027% | 2,191 |
| Efficiency ratio | 56.8111% | 5,821 |
| Assets per employee ($millions) | 5.1952% | 1,942 |
| Cash dividends to net income (ytd only)* | 69.8484% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 6,176 |
| Loan loss allowance to noncurrent loans | 105.1860% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 4,730 |
| Noncurrent loans to loans | 0.8121% | 4,211 |
| Net loans and leases to total assets | 59.5550% | 3,767 |
| Net loans and leases to deposits | 70.8816% | 3,655 |
| Net loans and leases to core deposits | 72.6803% | 4,009 |
| Total domestic deposits to total assets | 84.0204% | 4,177 |
| Equity capital to assets | 10.8936% | 2,865 |
| Core capital (leverage) ratio | 11.3405% | 2,173 |
| Tier 1 risk-based capital ratio | 17.7803% | 2,415 |
| Total risk-based capital ratio | 18.6105% | 2,528 |
| Memoranda: | ||
| Average total assets | $177,271,250 | 3,334 |
| Average earning assets | $168,897,500 | 3,259 |
| Average equity | $19,700,500 | 3,218 |
| Average total loans | $106,644,000 | 3,334 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7936% | 4,849 |
| Cost of funding earning assets | 0.3786% | 5,154 |
| Net interest margin | 3.4150% | 4,136 |
| Noninterest income to average assets | 0.3892% | 4,602 |
| Noninterest expense to average assets | 2.0711% | 5,922 |
| Loan and lease loss provision to assets | 0.0512% | 3,965 |
| Net operating income to assets | 1.0541% | 2,100 |
| Return on assets (ROA) | 1.0549% | 2,213 |
| Pretax return on assets | 1.5317% | 1,532 |
| Return on Equity (ROE) | 9.4281% | 2,445 |
| Retained earnings to average equity (ytd only) | 2.8783% | 4,479 |
| Net charge-offs to loans | 0.2798% | 2,086 |
| Credit loss provision to net charge-offs | 30.4054% | 3,582 |
| Earnings coverage of net charge-offs (x) | 9.3919% | 2,290 |
| Efficiency ratio | 56.6978% | 5,877 |
| Assets per employee ($millions) | 4.9698% | 2,148 |
| Cash dividends to net income (ytd only)* | 69.4714% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 6,179 |
| Loan loss allowance to noncurrent loans | 85.8059% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 4,605 |
| Noncurrent loans to loans | 1.0312% | 3,871 |
| Net loans and leases to total assets | 60.3436% | 3,600 |
| Net loans and leases to deposits | 72.7704% | 3,343 |
| Net loans and leases to core deposits | 75.0456% | 3,669 |
| Total domestic deposits to total assets | 82.9232% | 4,727 |
| Equity capital to assets | 11.2766% | 2,494 |
| Core capital (leverage) ratio | 11.2599% | 2,119 |
| Tier 1 risk-based capital ratio | 17.8441% | 2,377 |
| Total risk-based capital ratio | 18.6865% | 2,510 |
| Memoranda: | ||
| Average total assets | $175,751,000 | 3,364 |
| Average earning assets | $167,966,670 | 3,285 |
| Average equity | $19,664,670 | 3,240 |
| Average total loans | $105,784,330 | 3,362 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7638% | 4,944 |
| Cost of funding earning assets | 0.3849% | 5,240 |
| Net interest margin | 3.3789% | 4,199 |
| Noninterest income to average assets | 0.4121% | 4,372 |
| Noninterest expense to average assets | 2.0900% | 5,930 |
| Loan and lease loss provision to assets | 0.0521% | 3,752 |
| Net operating income to assets | 1.0332% | 2,099 |
| Return on assets (ROA) | 1.0348% | 2,199 |
| Pretax return on assets | 1.4922% | 1,577 |
| Return on Equity (ROE) | 9.2841% | 2,359 |
| Retained earnings to average equity (ytd only) | 2.7426% | 4,642 |
| Net charge-offs to loans | 0.3594% | 1,559 |
| Credit loss provision to net charge-offs | 24.2105% | 2,973 |
| Earnings coverage of net charge-offs (x) | 7.1684% | 2,104 |
| Efficiency ratio | 57.5436% | 5,899 |
| Assets per employee ($millions) | 4.9716% | 2,254 |
| Cash dividends to net income (ytd only)* | 70.4595% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 6,188 |
| Loan loss allowance to noncurrent loans | 74.3472% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7275% | 4,549 |
| Noncurrent loans to loans | 1.2478% | 3,691 |
| Net loans and leases to total assets | 57.7576% | 3,808 |
| Net loans and leases to deposits | 68.8265% | 3,663 |
| Net loans and leases to core deposits | 71.0821% | 3,946 |
| Total domestic deposits to total assets | 83.9177% | 4,512 |
| Equity capital to assets | 11.0253% | 2,933 |
| Core capital (leverage) ratio | 11.3354% | 1,993 |
| Tier 1 risk-based capital ratio | 18.1007% | 2,320 |
| Total risk-based capital ratio | 18.9901% | 2,432 |
| Memoranda: | ||
| Average total assets | $176,654,500 | 3,393 |
| Average earning assets | $168,339,500 | 3,305 |
| Average equity | $19,689,500 | 3,284 |
| Average total loans | $105,726,000 | 3,387 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 5,521 |
| Cost of funding earning assets | 0.4706% | 5,418 |
| Net interest margin | 3.4492% | 4,705 |
| Noninterest income to average assets | 0.4460% | 4,277 |
| Noninterest expense to average assets | 2.0307% | 6,273 |
| Loan and lease loss provision to assets | 0.0509% | 5,179 |
| Net operating income to assets | 1.1503% | 1,767 |
| Return on assets (ROA) | 1.1484% | 1,945 |
| Pretax return on assets | 1.6595% | 1,240 |
| Return on Equity (ROE) | 10.3438% | 2,031 |
| Retained earnings to average equity (ytd only) | 1.9066% | 4,878 |
| Net charge-offs to loans | 0.0096% | 5,804 |
| Credit loss provision to net charge-offs | 900.0000% | 282 |
| Earnings coverage of net charge-offs (x) | 302.7000% | 130 |
| Efficiency ratio | 54.2404% | 6,241 |
| Assets per employee ($millions) | 4.7116% | 2,631 |
| Cash dividends to net income (ytd only)* | 81.5673% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 6,062 |
| Loan loss allowance to noncurrent loans | 70.0809% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 4,344 |
| Noncurrent loans to loans | 1.3855% | 3,524 |
| Net loans and leases to total assets | 60.8444% | 3,445 |
| Net loans and leases to deposits | 72.4675% | 3,332 |
| Net loans and leases to core deposits | 74.6919% | 3,695 |
| Total domestic deposits to total assets | 83.9609% | 4,333 |
| Equity capital to assets | 11.2694% | 2,664 |
| Core capital (leverage) ratio | 11.1145% | 2,156 |
| Tier 1 risk-based capital ratio | 17.4931% | 2,458 |
| Total risk-based capital ratio | 18.4229% | 2,546 |
| Memoranda: | ||
| Average total assets | $176,683,800 | 3,350 |
| Average earning assets | $168,937,600 | 3,246 |
| Average equity | $19,615,600 | 3,243 |
| Average total loans | $104,489,800 | 3,412 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9164% | 5,750 |
| Cost of funding earning assets | 0.4862% | 5,533 |
| Net interest margin | 3.4302% | 4,922 |
| Noninterest income to average assets | 0.4468% | 4,318 |
| Noninterest expense to average assets | 2.0119% | 6,335 |
| Loan and lease loss provision to assets | 0.0504% | 5,129 |
| Net operating income to assets | 1.1440% | 1,933 |
| Return on assets (ROA) | 1.1440% | 2,125 |
| Pretax return on assets | 1.6690% | 1,366 |
| Return on Equity (ROE) | 10.3425% | 2,200 |
| Retained earnings to average equity (ytd only) | 3.6107% | 4,339 |
| Net charge-offs to loans | 0.0051% | 5,682 |
| Credit loss provision to net charge-offs | 1,675.0000% | 163 |
| Earnings coverage of net charge-offs (x) | 571.8424% | 75 |
| Efficiency ratio | 53.9206% | 6,258 |
| Assets per employee ($millions) | 4.7886% | 2,465 |
| Cash dividends to net income (ytd only)* | 65.0889% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 6,210 |
| Loan loss allowance to noncurrent loans | 72.8632% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 4,725 |
| Noncurrent loans to loans | 1.3217% | 3,828 |
| Net loans and leases to total assets | 59.3778% | 3,895 |
| Net loans and leases to deposits | 71.6880% | 3,654 |
| Net loans and leases to core deposits | 73.7504% | 4,004 |
| Total domestic deposits to total assets | 82.8281% | 4,716 |
| Equity capital to assets | 11.1977% | 3,038 |
| Core capital (leverage) ratio | 11.1610% | 2,247 |
| Tier 1 risk-based capital ratio | 17.8269% | 2,414 |
| Total risk-based capital ratio | 18.7516% | 2,507 |
| Memoranda: | ||
| Average total assets | $177,272,250 | 3,390 |
| Average earning assets | $169,744,000 | 3,270 |
| Average equity | $19,608,000 | 3,280 |
| Average total loans | $103,834,750 | 3,464 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9416% | 5,807 |
| Cost of funding earning assets | 0.5004% | 5,617 |
| Net interest margin | 3.4412% | 4,920 |
| Noninterest income to average assets | 0.4332% | 4,413 |
| Noninterest expense to average assets | 2.0045% | 6,422 |
| Loan and lease loss provision to assets | 0.0508% | 5,033 |
| Net operating income to assets | 1.1506% | 1,877 |
| Return on assets (ROA) | 1.1506% | 2,088 |
| Pretax return on assets | 1.6751% | 1,326 |
| Return on Equity (ROE) | 10.4451% | 2,197 |
| Retained earnings to average equity (ytd only) | 3.9937% | 3,955 |
| Net charge-offs to loans | 0.0078% | 5,368 |
| Credit loss provision to net charge-offs | 1,125.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 382.5000% | 109 |
| Efficiency ratio | 53.7345% | 6,340 |
| Assets per employee ($millions) | 4.6082% | 2,705 |
| Cash dividends to net income (ytd only)* | 61.7647% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 6,230 |
| Loan loss allowance to noncurrent loans | 116.9393% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 5,536 |
| Noncurrent loans to loans | 0.8383% | 4,840 |
| Net loans and leases to total assets | 57.7379% | 4,213 |
| Net loans and leases to deposits | 70.2877% | 3,854 |
| Net loans and leases to core deposits | 72.6091% | 4,226 |
| Total domestic deposits to total assets | 82.1451% | 5,074 |
| Equity capital to assets | 11.3019% | 2,785 |
| Core capital (leverage) ratio | 11.1160% | 2,188 |
| Tier 1 risk-based capital ratio | 18.1307% | 2,253 |
| Total risk-based capital ratio | 19.0576% | 2,326 |
| Memoranda: | ||
| Average total assets | $177,303,330 | 3,405 |
| Average earning assets | $169,881,000 | 3,274 |
| Average equity | $19,530,670 | 3,279 |
| Average total loans | $103,037,000 | 3,498 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 5,954 |
| Cost of funding earning assets | 0.5176% | 5,701 |
| Net interest margin | 3.4100% | 5,082 |
| Noninterest income to average assets | 0.4193% | 4,523 |
| Noninterest expense to average assets | 1.9955% | 6,468 |
| Loan and lease loss provision to assets | 0.0516% | 4,768 |
| Net operating income to assets | 1.1413% | 1,913 |
| Return on assets (ROA) | 1.1413% | 2,098 |
| Pretax return on assets | 1.6368% | 1,463 |
| Return on Equity (ROE) | 10.4946% | 2,236 |
| Retained earnings to average equity (ytd only) | 3.9999% | 4,188 |
| Net charge-offs to loans | 0.0155% | 4,468 |
| Credit loss provision to net charge-offs | 575.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 188.2500% | 192 |
| Efficiency ratio | 54.1692% | 6,329 |
| Assets per employee ($millions) | 4.8876% | 2,409 |
| Cash dividends to net income (ytd only)* | 61.8861% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 6,434 |
| Loan loss allowance to noncurrent loans | 102.4084% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 5,547 |
| Noncurrent loans to loans | 0.9224% | 4,822 |
| Net loans and leases to total assets | 56.7116% | 4,253 |
| Net loans and leases to deposits | 67.9158% | 4,075 |
| Net loans and leases to core deposits | 70.0473% | 4,412 |
| Total domestic deposits to total assets | 83.5028% | 4,710 |
| Equity capital to assets | 10.7723% | 3,185 |
| Core capital (leverage) ratio | 10.9877% | 2,266 |
| Tier 1 risk-based capital ratio | 17.8900% | 2,338 |
| Total risk-based capital ratio | 18.7926% | 2,432 |
| Memoranda: | ||
| Average total assets | $178,399,000 | 3,404 |
| Average earning assets | $170,789,500 | 3,276 |
| Average equity | $19,400,500 | 3,298 |
| Average total loans | $103,502,000 | 3,513 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 5,819 |
| Cost of funding earning assets | 0.6179% | 5,995 |
| Net interest margin | 3.6621% | 4,467 |
| Noninterest income to average assets | 0.4445% | 4,269 |
| Noninterest expense to average assets | 2.0775% | 6,535 |
| Loan and lease loss provision to assets | 0.0515% | 5,946 |
| Net operating income to assets | 1.2376% | 1,410 |
| Return on assets (ROA) | 1.2481% | 1,483 |
| Pretax return on assets | 1.8230% | 770 |
| Return on Equity (ROE) | 11.2410% | 1,636 |
| Retained earnings to average equity (ytd only) | 2.7407% | 4,287 |
| Net charge-offs to loans | 0.0555% | 5,761 |
| Credit loss provision to net charge-offs | 157.8947% | 1,759 |
| Earnings coverage of net charge-offs (x) | 57.0175% | 497 |
| Efficiency ratio | 52.7754% | 6,637 |
| Assets per employee ($millions) | 4.7555% | 2,506 |
| Cash dividends to net income (ytd only)* | 75.6187% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 6,469 |
| Loan loss allowance to noncurrent loans | 95.1437% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 5,540 |
| Noncurrent loans to loans | 0.9752% | 4,759 |
| Net loans and leases to total assets | 58.2575% | 4,325 |
| Net loans and leases to deposits | 70.5922% | 4,009 |
| Net loans and leases to core deposits | 72.7630% | 4,408 |
| Total domestic deposits to total assets | 82.5268% | 4,955 |
| Equity capital to assets | 10.9801% | 2,996 |
| Core capital (leverage) ratio | 10.8269% | 2,413 |
| Tier 1 risk-based capital ratio | 18.0812% | 2,165 |
| Total risk-based capital ratio | 18.9857% | 2,262 |
| Memoranda: | ||
| Average total assets | $174,821,800 | 3,415 |
| Average earning assets | $166,706,800 | 3,298 |
| Average equity | $19,411,000 | 3,227 |
| Average total loans | $102,763,600 | 3,550 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3551% | 5,755 |
| Cost of funding earning assets | 0.6340% | 6,116 |
| Net interest margin | 3.7212% | 4,244 |
| Noninterest income to average assets | 0.4461% | 4,322 |
| Noninterest expense to average assets | 2.0717% | 6,548 |
| Loan and lease loss provision to assets | 0.0519% | 5,801 |
| Net operating income to assets | 1.2725% | 1,446 |
| Return on assets (ROA) | 1.2803% | 1,534 |
| Pretax return on assets | 1.8807% | 818 |
| Return on Equity (ROE) | 11.4986% | 1,690 |
| Retained earnings to average equity (ytd only) | 4.7408% | 3,351 |
| Net charge-offs to loans | 0.0520% | 5,459 |
| Credit loss provision to net charge-offs | 170.0000% | 1,779 |
| Earnings coverage of net charge-offs (x) | 62.8774% | 525 |
| Efficiency ratio | 51.8844% | 6,688 |
| Assets per employee ($millions) | 4.7335% | 2,580 |
| Cash dividends to net income (ytd only)* | 58.7709% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 6,548 |
| Loan loss allowance to noncurrent loans | 108.2766% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 5,862 |
| Noncurrent loans to loans | 0.8456% | 5,177 |
| Net loans and leases to total assets | 57.4574% | 4,595 |
| Net loans and leases to deposits | 69.7225% | 4,342 |
| Net loans and leases to core deposits | 71.6954% | 4,753 |
| Total domestic deposits to total assets | 82.4088% | 4,922 |
| Equity capital to assets | 11.0361% | 3,110 |
| Core capital (leverage) ratio | 10.9774% | 2,405 |
| Tier 1 risk-based capital ratio | 17.9547% | 2,274 |
| Total risk-based capital ratio | 18.8409% | 2,375 |
| Memoranda: | ||
| Average total assets | $174,538,500 | 3,437 |
| Average earning assets | $166,359,250 | 3,312 |
| Average equity | $19,433,750 | 3,225 |
| Average total loans | $102,587,750 | 3,583 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 5,592 |
| Cost of funding earning assets | 0.6629% | 6,158 |
| Net interest margin | 3.7671% | 3,955 |
| Noninterest income to average assets | 0.4399% | 4,346 |
| Noninterest expense to average assets | 2.1151% | 6,563 |
| Loan and lease loss provision to assets | 0.0521% | 5,663 |
| Net operating income to assets | 1.2654% | 1,405 |
| Return on assets (ROA) | 1.2630% | 1,478 |
| Pretax return on assets | 1.8546% | 778 |
| Return on Equity (ROE) | 11.3088% | 1,698 |
| Retained earnings to average equity (ytd only) | 4.7785% | 3,141 |
| Net charge-offs to loans | 0.0137% | 5,655 |
| Credit loss provision to net charge-offs | 642.8571% | 488 |
| Earnings coverage of net charge-offs (x) | 235.7143% | 151 |
| Efficiency ratio | 52.5453% | 6,752 |
| Assets per employee ($millions) | 4.4981% | 2,843 |
| Cash dividends to net income (ytd only)* | 57.7452% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 6,555 |
| Loan loss allowance to noncurrent loans | 151.7296% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 6,228 |
| Noncurrent loans to loans | 0.6178% | 5,690 |
| Net loans and leases to total assets | 58.1347% | 4,598 |
| Net loans and leases to deposits | 71.8562% | 4,137 |
| Net loans and leases to core deposits | 74.3893% | 4,528 |
| Total domestic deposits to total assets | 80.9043% | 5,557 |
| Equity capital to assets | 11.1756% | 2,786 |
| Core capital (leverage) ratio | 11.2036% | 2,110 |
| Tier 1 risk-based capital ratio | 17.5503% | 2,321 |
| Total risk-based capital ratio | 18.4361% | 2,424 |
| Memoranda: | ||
| Average total assets | $172,760,000 | 3,486 |
| Average earning assets | $164,422,330 | 3,366 |
| Average equity | $19,294,670 | 3,229 |
| Average total loans | $102,015,000 | 3,631 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 5,342 |
| Cost of funding earning assets | 0.6892% | 6,201 |
| Net interest margin | 3.8092% | 3,572 |
| Noninterest income to average assets | 0.3897% | 4,788 |
| Noninterest expense to average assets | 2.1840% | 6,458 |
| Loan and lease loss provision to assets | 0.0537% | 5,333 |
| Net operating income to assets | 1.2189% | 1,480 |
| Return on assets (ROA) | 1.2157% | 1,539 |
| Pretax return on assets | 1.7710% | 863 |
| Return on Equity (ROE) | 10.8885% | 1,782 |
| Retained earnings to average equity (ytd only) | 4.3052% | 3,588 |
| Net charge-offs to loans | 0.0158% | 4,863 |
| Credit loss provision to net charge-offs | 575.0000% | 648 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 157 |
| Efficiency ratio | 54.4186% | 6,657 |
| Assets per employee ($millions) | 4.7006% | 2,577 |
| Cash dividends to net income (ytd only)* | 60.4607% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 6,648 |
| Loan loss allowance to noncurrent loans | 143.3333% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 6,254 |
| Noncurrent loans to loans | 0.6421% | 5,749 |
| Net loans and leases to total assets | 58.5579% | 4,539 |
| Net loans and leases to deposits | 72.3100% | 4,023 |
| Net loans and leases to core deposits | 74.8789% | 4,441 |
| Total domestic deposits to total assets | 80.9817% | 5,661 |
| Equity capital to assets | 11.0538% | 2,634 |
| Core capital (leverage) ratio | 11.1391% | 2,081 |
| Tier 1 risk-based capital ratio | 17.1927% | 2,403 |
| Total risk-based capital ratio | 18.0548% | 2,514 |
| Memoranda: | ||
| Average total assets | $171,426,500 | 3,531 |
| Average earning assets | $163,080,000 | 3,401 |
| Average equity | $19,139,500 | 3,237 |
| Average total loans | $101,548,000 | 3,684 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6877% | 5,842 |
| Cost of funding earning assets | 0.8348% | 6,420 |
| Net interest margin | 3.8529% | 3,724 |
| Noninterest income to average assets | 0.4450% | 4,559 |
| Noninterest expense to average assets | 2.0809% | 6,889 |
| Loan and lease loss provision to assets | 0.0705% | 6,435 |
| Net operating income to assets | 1.3398% | 1,082 |
| Return on assets (ROA) | 1.3938% | 1,036 |
| Pretax return on assets | 2.0598% | 427 |
| Return on Equity (ROE) | 12.3621% | 1,243 |
| Retained earnings to average equity (ytd only) | 3.9052% | 3,131 |
| Net charge-offs to loans | 0.0918% | 5,929 |
| Credit loss provision to net charge-offs | 131.8681% | 2,988 |
| Earnings coverage of net charge-offs (x) | 38.3407% | 605 |
| Efficiency ratio | 50.3628% | 7,096 |
| Assets per employee ($millions) | 4.3316% | 3,148 |
| Cash dividends to net income (ytd only)* | 68.4100% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9242% | 6,651 |
| Loan loss allowance to noncurrent loans | 135.1312% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 6,254 |
| Noncurrent loans to loans | 0.6839% | 5,678 |
| Net loans and leases to total assets | 58.8276% | 4,887 |
| Net loans and leases to deposits | 73.0909% | 4,346 |
| Net loans and leases to core deposits | 75.5399% | 4,779 |
| Total domestic deposits to total assets | 80.4855% | 5,689 |
| Equity capital to assets | 11.2792% | 2,430 |
| Core capital (leverage) ratio | 10.8318% | 2,281 |
| Tier 1 risk-based capital ratio | 16.9556% | 2,360 |
| Total risk-based capital ratio | 17.7980% | 2,478 |
| Memoranda: | ||
| Average total assets | $170,115,600 | 3,531 |
| Average earning assets | $162,787,200 | 3,396 |
| Average equity | $19,179,600 | 3,259 |
| Average total loans | $99,166,200 | 3,822 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6680% | 6,130 |
| Cost of funding earning assets | 0.8611% | 6,541 |
| Net interest margin | 3.8069% | 3,945 |
| Noninterest income to average assets | 0.4561% | 4,512 |
| Noninterest expense to average assets | 2.0788% | 6,893 |
| Loan and lease loss provision to assets | 0.0704% | 6,357 |
| Net operating income to assets | 1.3026% | 1,333 |
| Return on assets (ROA) | 1.3802% | 1,230 |
| Pretax return on assets | 2.0648% | 540 |
| Return on Equity (ROE) | 12.2427% | 1,439 |
| Retained earnings to average equity (ytd only) | 5.8298% | 2,460 |
| Net charge-offs to loans | 0.1200% | 5,350 |
| Credit loss provision to net charge-offs | 101.1236% | 4,269 |
| Earnings coverage of net charge-offs (x) | 29.0009% | 899 |
| Efficiency ratio | 50.7255% | 7,094 |
| Assets per employee ($millions) | 4.4847% | 2,932 |
| Cash dividends to net income (ytd only)* | 52.3810% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 6,759 |
| Loan loss allowance to noncurrent loans | 197.5824% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 6,720 |
| Noncurrent loans to loans | 0.4533% | 6,281 |
| Net loans and leases to total assets | 56.8761% | 5,430 |
| Net loans and leases to deposits | 71.2573% | 4,958 |
| Net loans and leases to core deposits | 73.5800% | 5,347 |
| Total domestic deposits to total assets | 79.8180% | 5,766 |
| Equity capital to assets | 11.2800% | 2,719 |
| Core capital (leverage) ratio | 10.9357% | 2,308 |
| Tier 1 risk-based capital ratio | 16.9055% | 2,373 |
| Total risk-based capital ratio | 17.7161% | 2,527 |
| Memoranda: | ||
| Average total assets | $170,411,750 | 3,572 |
| Average earning assets | $163,034,750 | 3,439 |
| Average equity | $19,211,000 | 3,291 |
| Average total loans | $98,881,500 | 3,896 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6883% | 6,178 |
| Cost of funding earning assets | 0.9048% | 6,559 |
| Net interest margin | 3.7835% | 3,969 |
| Noninterest income to average assets | 0.4393% | 4,615 |
| Noninterest expense to average assets | 2.1123% | 6,861 |
| Loan and lease loss provision to assets | 0.0710% | 6,240 |
| Net operating income to assets | 1.2573% | 1,408 |
| Return on assets (ROA) | 1.3628% | 1,237 |
| Pretax return on assets | 2.0377% | 560 |
| Return on Equity (ROE) | 12.0914% | 1,425 |
| Retained earnings to average equity (ytd only) | 5.6202% | 2,544 |
| Net charge-offs to loans | 0.1728% | 4,579 |
| Credit loss provision to net charge-offs | 70.5882% | 4,955 |
| Earnings coverage of net charge-offs (x) | 19.3882% | 1,254 |
| Efficiency ratio | 51.9814% | 7,070 |
| Assets per employee ($millions) | 4.2947% | 3,225 |
| Cash dividends to net income (ytd only)* | 53.5187% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 6,840 |
| Loan loss allowance to noncurrent loans | 204.9296% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 6,765 |
| Noncurrent loans to loans | 0.4266% | 6,388 |
| Net loans and leases to total assets | 59.0961% | 5,230 |
| Net loans and leases to deposits | 74.8114% | 4,548 |
| Net loans and leases to core deposits | 77.3891% | 5,041 |
| Total domestic deposits to total assets | 78.9934% | 6,042 |
| Equity capital to assets | 11.5418% | 2,407 |
| Core capital (leverage) ratio | 10.9617% | 2,269 |
| Tier 1 risk-based capital ratio | 17.0754% | 2,249 |
| Total risk-based capital ratio | 17.8836% | 2,375 |
| Memoranda: | ||
| Average total assets | $168,914,670 | 3,616 |
| Average earning assets | $161,806,000 | 3,483 |
| Average equity | $19,038,330 | 3,299 |
| Average total loans | $98,383,000 | 3,949 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 6,247 |
| Cost of funding earning assets | 0.9524% | 6,568 |
| Net interest margin | 3.7454% | 4,026 |
| Noninterest income to average assets | 0.4127% | 4,787 |
| Noninterest expense to average assets | 2.0681% | 7,017 |
| Loan and lease loss provision to assets | 0.0707% | 5,929 |
| Net operating income to assets | 1.2490% | 1,405 |
| Return on assets (ROA) | 1.2522% | 1,475 |
| Pretax return on assets | 1.8677% | 779 |
| Return on Equity (ROE) | 11.2432% | 1,707 |
| Retained earnings to average equity (ytd only) | 4.7217% | 3,313 |
| Net charge-offs to loans | 0.3195% | 3,134 |
| Credit loss provision to net charge-offs | 38.4615% | 4,668 |
| Earnings coverage of net charge-offs (x) | 10.5128% | 1,734 |
| Efficiency ratio | 51.6794% | 7,180 |
| Assets per employee ($millions) | 4.3685% | 3,178 |
| Cash dividends to net income (ytd only)* | 58.0038% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 6,929 |
| Loan loss allowance to noncurrent loans | 165.0485% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 6,574 |
| Noncurrent loans to loans | 0.5268% | 6,235 |
| Net loans and leases to total assets | 56.8791% | 5,630 |
| Net loans and leases to deposits | 71.2638% | 5,157 |
| Net loans and leases to core deposits | 73.8956% | 5,506 |
| Total domestic deposits to total assets | 79.8148% | 5,849 |
| Equity capital to assets | 11.1615% | 2,624 |
| Core capital (leverage) ratio | 10.7786% | 2,383 |
| Tier 1 risk-based capital ratio | 17.0617% | 2,250 |
| Total risk-based capital ratio | 17.8615% | 2,360 |
| Memoranda: | ||
| Average total assets | $169,624,500 | 3,665 |
| Average earning assets | $162,545,000 | 3,517 |
| Average equity | $18,891,500 | 3,333 |
| Average total loans | $97,646,500 | 4,032 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7577% | 7,032 |
| Cost of funding earning assets | 1.1822% | 6,720 |
| Net interest margin | 3.5754% | 4,637 |
| Noninterest income to average assets | 0.4852% | 4,527 |
| Noninterest expense to average assets | 2.0158% | 7,348 |
| Loan and lease loss provision to assets | 0.0482% | 7,082 |
| Net operating income to assets | 1.2448% | 1,140 |
| Return on assets (ROA) | 1.2383% | 1,212 |
| Pretax return on assets | 1.8235% | 605 |
| Return on Equity (ROE) | 11.3428% | 1,338 |
| Retained earnings to average equity (ytd only) | 3.1084% | 2,986 |
| Net charge-offs to loans | 0.1008% | 6,122 |
| Credit loss provision to net charge-offs | 85.2632% | 6,156 |
| Earnings coverage of net charge-offs (x) | 33.2632% | 701 |
| Efficiency ratio | 51.7262% | 7,408 |
| Assets per employee ($millions) | 4.3302% | 3,225 |
| Cash dividends to net income (ytd only)* | 72.5962% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 6,733 |
| Loan loss allowance to noncurrent loans | 125.4190% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 6,243 |
| Noncurrent loans to loans | 0.7341% | 5,787 |
| Net loans and leases to total assets | 57.2245% | 5,784 |
| Net loans and leases to deposits | 71.4437% | 5,410 |
| Net loans and leases to core deposits | 80.1279% | 6,087 |
| Total domestic deposits to total assets | 80.0973% | 5,646 |
| Equity capital to assets | 11.1128% | 2,615 |
| Core capital (leverage) ratio | 10.5525% | 2,554 |
| Tier 1 risk-based capital ratio | 16.6643% | 2,250 |
| Total risk-based capital ratio | 17.4999% | 2,355 |
| Memoranda: | ||
| Average total assets | $167,970,800 | 3,641 |
| Average earning assets | $160,288,600 | 3,516 |
| Average equity | $18,337,600 | 3,455 |
| Average total loans | $94,203,800 | 4,102 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7554% | 7,195 |
| Cost of funding earning assets | 1.2245% | 6,826 |
| Net interest margin | 3.5309% | 4,740 |
| Noninterest income to average assets | 0.4849% | 4,623 |
| Noninterest expense to average assets | 2.0372% | 7,315 |
| Loan and lease loss provision to assets | 0.0167% | 7,176 |
| Net operating income to assets | 1.1658% | 1,550 |
| Return on assets (ROA) | 1.1684% | 1,603 |
| Pretax return on assets | 1.7995% | 801 |
| Return on Equity (ROE) | 10.7511% | 1,690 |
| Retained earnings to average equity (ytd only) | 4.3151% | 2,857 |
| Net charge-offs to loans | 0.1299% | 5,395 |
| Credit loss provision to net charge-offs | 23.0769% | 6,547 |
| Earnings coverage of net charge-offs (x) | 25.0550% | 1,067 |
| Efficiency ratio | 52.9217% | 7,336 |
| Assets per employee ($millions) | 4.3814% | 3,068 |
| Cash dividends to net income (ytd only)* | 59.8638% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 6,714 |
| Loan loss allowance to noncurrent loans | 130.1391% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 6,361 |
| Noncurrent loans to loans | 0.7002% | 5,897 |
| Net loans and leases to total assets | 53.5833% | 6,438 |
| Net loans and leases to deposits | 66.6148% | 6,249 |
| Net loans and leases to core deposits | 75.2323% | 6,652 |
| Total domestic deposits to total assets | 80.4376% | 5,277 |
| Equity capital to assets | 10.9906% | 3,013 |
| Core capital (leverage) ratio | 10.6041% | 2,707 |
| Tier 1 risk-based capital ratio | 17.3498% | 2,170 |
| Total risk-based capital ratio | 18.1646% | 2,252 |
| Memoranda: | ||
| Average total assets | $167,744,250 | 3,668 |
| Average earning assets | $159,843,000 | 3,553 |
| Average equity | $18,230,250 | 3,495 |
| Average total loans | $93,370,500 | 4,165 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8063% | 7,219 |
| Cost of funding earning assets | 1.2889% | 6,842 |
| Net interest margin | 3.5174% | 4,716 |
| Noninterest income to average assets | 0.4583% | 4,795 |
| Noninterest expense to average assets | 2.0348% | 7,400 |
| Loan and lease loss provision to assets | 0.0144% | 7,076 |
| Net operating income to assets | 1.1465% | 1,621 |
| Return on assets (ROA) | 1.1458% | 1,708 |
| Pretax return on assets | 1.7540% | 922 |
| Return on Equity (ROE) | 10.5835% | 1,828 |
| Retained earnings to average equity (ytd only) | 3.9342% | 3,090 |
| Net charge-offs to loans | 0.0470% | 5,818 |
| Credit loss provision to net charge-offs | 54.5455% | 5,689 |
| Earnings coverage of net charge-offs (x) | 67.0455% | 546 |
| Efficiency ratio | 53.4847% | 7,383 |
| Assets per employee ($millions) | 4.4162% | 2,902 |
| Cash dividends to net income (ytd only)* | 62.8272% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 6,507 |
| Loan loss allowance to noncurrent loans | 171.1575% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 6,520 |
| Noncurrent loans to loans | 0.5607% | 6,146 |
| Net loans and leases to total assets | 55.4685% | 6,277 |
| Net loans and leases to deposits | 69.6322% | 6,025 |
| Net loans and leases to core deposits | 78.8148% | 6,497 |
| Total domestic deposits to total assets | 79.6593% | 5,568 |
| Equity capital to assets | 10.9167% | 3,003 |
| Core capital (leverage) ratio | 10.5584% | 2,761 |
| Tier 1 risk-based capital ratio | 16.8339% | 2,355 |
| Total risk-based capital ratio | 17.7009% | 2,410 |
| Memoranda: | ||
| Average total assets | $166,701,000 | 3,694 |
| Average earning assets | $158,582,670 | 3,588 |
| Average equity | $18,047,000 | 3,541 |
| Average total loans | $93,693,330 | 4,181 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8615% | 7,260 |
| Cost of funding earning assets | 1.3839% | 6,781 |
| Net interest margin | 3.4776% | 4,816 |
| Noninterest income to average assets | 0.4237% | 5,014 |
| Noninterest expense to average assets | 1.9501% | 7,448 |
| Loan and lease loss provision to assets | 0.0144% | 6,668 |
| Net operating income to assets | 1.1580% | 1,776 |
| Return on assets (ROA) | 1.1580% | 1,900 |
| Pretax return on assets | 1.7503% | 1,078 |
| Return on Equity (ROE) | 10.7423% | 2,050 |
| Retained earnings to average equity (ytd only) | 4.4890% | 3,433 |
| Net charge-offs to loans | 0.0342% | 5,038 |
| Credit loss provision to net charge-offs | 75.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | 91.6250% | 467 |
| Efficiency ratio | 52.4951% | 7,365 |
| Assets per employee ($millions) | 4.5014% | 2,717 |
| Cash dividends to net income (ytd only)* | 58.2121% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 6,296 |
| Loan loss allowance to noncurrent loans | 187.6289% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 6,462 |
| Noncurrent loans to loans | 0.5230% | 6,116 |
| Net loans and leases to total assets | 55.1300% | 6,343 |
| Net loans and leases to deposits | 67.9049% | 6,196 |
| Net loans and leases to core deposits | 76.9467% | 6,612 |
| Total domestic deposits to total assets | 81.1870% | 4,895 |
| Equity capital to assets | 10.7199% | 3,273 |
| Core capital (leverage) ratio | 10.5643% | 2,851 |
| Tier 1 risk-based capital ratio | 16.9935% | 2,340 |
| Total risk-based capital ratio | 17.8843% | 2,395 |
| Memoranda: | ||
| Average total assets | $166,143,500 | 3,724 |
| Average earning assets | $157,236,500 | 3,626 |
| Average equity | $17,910,500 | 3,575 |
| Average total loans | $93,546,500 | 4,223 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6030% | 7,054 |
| Cost of funding earning assets | 1.8901% | 6,756 |
| Net interest margin | 3.7129% | 4,413 |
| Noninterest income to average assets | 0.4411% | 5,108 |
| Noninterest expense to average assets | 2.0426% | 7,361 |
| Loan and lease loss provision to assets | 0.0164% | 7,179 |
| Net operating income to assets | 1.3098% | 1,459 |
| Return on assets (ROA) | 0.9715% | 2,564 |
| Pretax return on assets | 1.4150% | 1,926 |
| Return on Equity (ROE) | 8.8518% | 2,691 |
| Retained earnings to average equity (ytd only) | 0.4927% | 4,947 |
| Net charge-offs to loans | 0.0325% | 6,370 |
| Credit loss provision to net charge-offs | 90.0000% | 5,681 |
| Earnings coverage of net charge-offs (x) | 105.4333% | 409 |
| Efficiency ratio | 51.5249% | 7,540 |
| Assets per employee ($millions) | 4.3615% | 2,857 |
| Cash dividends to net income (ytd only)* | 94.4340% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 6,288 |
| Loan loss allowance to noncurrent loans | 192.4051% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 6,209 |
| Noncurrent loans to loans | 0.5023% | 5,844 |
| Net loans and leases to total assets | 56.3857% | 6,387 |
| Net loans and leases to deposits | 70.4044% | 6,233 |
| Net loans and leases to core deposits | 80.1441% | 6,602 |
| Total domestic deposits to total assets | 80.0883% | 4,984 |
| Equity capital to assets | 10.8407% | 3,172 |
| Core capital (leverage) ratio | 10.3612% | 3,108 |
| Tier 1 risk-based capital ratio | 16.5565% | 2,468 |
| Total risk-based capital ratio | 17.4365% | 2,528 |
| Memoranda: | ||
| Average total assets | $164,591,200 | 3,636 |
| Average earning assets | $156,183,200 | 3,549 |
| Average equity | $18,064,200 | 3,542 |
| Average total loans | $92,243,600 | 4,151 |