Home > The Citizens National Bank of Bluffton > Performance and Condition Ratios
The Citizens National Bank of Bluffton, 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 | 5.2605% | 1,555 |
| Cost of funding earning assets | 1.4347% | 2,131 |
| Net interest margin | 3.8258% | 1,525 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.1222% | 3,348 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 2.1355% | 375 |
| Return on assets (ROA) | 2.1424% | 363 |
| Pretax return on assets | 2.1424% | 532 |
| Return on Equity (ROE) | 23.7300% | 364 |
| Retained earnings to average equity (ytd only) | 5.7843% | 2,327 |
| Net charge-offs to loans | 0.0011% | 2,826 |
| Credit loss provision to net charge-offs | 4,833.3333% | 114 |
| Earnings coverage of net charge-offs (x) | 2,381.2222% | 64 |
| Efficiency ratio | 49.3321% | 4,022 |
| Assets per employee ($millions) | 6.4166% | 2,468 |
| Cash dividends to net income (ytd only)* | 75.6267% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 1,110 |
| Loan loss allowance to noncurrent loans | 281.0217% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 1,294 |
| Noncurrent loans to loans | 0.5267% | 1,470 |
| Net loans and leases to total assets | 80.3200% | 607 |
| Net loans and leases to deposits | 105.4396% | 309 |
| Net loans and leases to core deposits | 118.7103% | 669 |
| Total domestic deposits to total assets | 76.1700% | 3,930 |
| Equity capital to assets | 9.6278% | 2,259 |
| Core capital (leverage) ratio | 11.3381% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $983,202,000 | 1,002 |
| Average earning assets | $944,533,400 | 959 |
| Average equity | $88,758,200 | 1,040 |
| Average total loans | $800,058,800 | 864 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1854% | 1,482 |
| Cost of funding earning assets | 1.3752% | 1,936 |
| Net interest margin | 3.8102% | 1,572 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.1208% | 3,305 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.1424% | 408 |
| Return on assets (ROA) | 2.1394% | 401 |
| Pretax return on assets | 2.1394% | 608 |
| Return on Equity (ROE) | 24.1100% | 429 |
| Retained earnings to average equity (ytd only) | -0.3860% | 4,193 |
| Net charge-offs to loans | 0.0002% | 2,661 |
| Credit loss provision to net charge-offs | 31,900.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 16,020.0000% | 1 |
| Efficiency ratio | 49.2444% | 3,967 |
| Assets per employee ($millions) | 6.3256% | 2,475 |
| Cash dividends to net income (ytd only)* | 101.6009% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 1,135 |
| Loan loss allowance to noncurrent loans | 364.9001% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 1,689 |
| Noncurrent loans to loans | 0.4087% | 1,808 |
| Net loans and leases to total assets | 80.6400% | 578 |
| Net loans and leases to deposits | 102.9392% | 392 |
| Net loans and leases to core deposits | 115.3645% | 686 |
| Total domestic deposits to total assets | 78.3400% | 3,776 |
| Equity capital to assets | 8.3791% | 2,806 |
| Core capital (leverage) ratio | 10.8725% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $977,150,750 | 1,009 |
| Average earning assets | $939,561,500 | 963 |
| Average equity | $86,700,000 | 1,062 |
| Average total loans | $794,757,250 | 869 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0848% | 1,400 |
| Cost of funding earning assets | 1.2704% | 1,790 |
| Net interest margin | 3.8144% | 1,596 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.2503% | 2,952 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.9923% | 473 |
| Return on assets (ROA) | 1.9878% | 474 |
| Pretax return on assets | 1.9878% | 761 |
| Return on Equity (ROE) | 21.9900% | 541 |
| Retained earnings to average equity (ytd only) | -5.1478% | 4,425 |
| Net charge-offs to loans | -0.0013% | 3,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.4633% | 3,744 |
| Assets per employee ($millions) | 6.1744% | 2,565 |
| Cash dividends to net income (ytd only)* | 123.4091% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 1,201 |
| Loan loss allowance to noncurrent loans | 357.8223% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 1,556 |
| Noncurrent loans to loans | 0.4175% | 1,681 |
| Net loans and leases to total assets | 80.3400% | 602 |
| Net loans and leases to deposits | 107.8645% | 251 |
| Net loans and leases to core deposits | 122.6039% | 462 |
| Total domestic deposits to total assets | 74.4800% | 4,162 |
| Equity capital to assets | 8.7718% | 2,676 |
| Core capital (leverage) ratio | 10.8097% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $973,936,000 | 1,001 |
| Average earning assets | $936,562,667 | 957 |
| Average equity | $88,038,333 | 1,040 |
| Average total loans | $790,397,000 | 856 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9538% | 1,322 |
| Cost of funding earning assets | 1.1522% | 1,587 |
| Net interest margin | 3.8016% | 1,682 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.2853% | 2,857 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.9203% | 554 |
| Return on assets (ROA) | 1.9113% | 555 |
| Pretax return on assets | 1.9113% | 896 |
| Return on Equity (ROE) | 20.8300% | 676 |
| Retained earnings to average equity (ytd only) | 2.9393% | 3,518 |
| Net charge-offs to loans | -0.0025% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.7068% | 3,634 |
| Assets per employee ($millions) | 6.2626% | 2,535 |
| Cash dividends to net income (ytd only)* | 85.8900% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 1,226 |
| Loan loss allowance to noncurrent loans | 409.8168% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 1,675 |
| Noncurrent loans to loans | 0.3683% | 1,826 |
| Net loans and leases to total assets | 79.6900% | 571 |
| Net loans and leases to deposits | 104.6658% | 290 |
| Net loans and leases to core deposits | 116.0752% | 534 |
| Total domestic deposits to total assets | 76.1400% | 4,153 |
| Equity capital to assets | 9.4073% | 2,222 |
| Core capital (leverage) ratio | 11.2514% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $970,043,000 | 1,018 |
| Average earning assets | $932,454,000 | 976 |
| Average equity | $89,000,000 | 1,042 |
| Average total loans | $785,263,500 | 871 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 604 |
| Cost of funding earning assets | 0.4657% | 1,609 |
| Net interest margin | 4.1434% | 613 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.3750% | 2,495 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 2.4195% | 159 |
| Return on assets (ROA) | 2.4209% | 154 |
| Pretax return on assets | 2.4209% | 223 |
| Return on Equity (ROE) | 25.3100% | 200 |
| Retained earnings to average equity (ytd only) | 6.6714% | 2,379 |
| Net charge-offs to loans | -0.0057% | 3,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.8849% | 4,194 |
| Assets per employee ($millions) | 6.0967% | 2,683 |
| Cash dividends to net income (ytd only)* | 73.6366% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,222 |
| Loan loss allowance to noncurrent loans | 571.9649% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 2,100 |
| Noncurrent loans to loans | 0.2612% | 2,227 |
| Net loans and leases to total assets | 79.7800% | 622 |
| Net loans and leases to deposits | 106.3830% | 235 |
| Net loans and leases to core deposits | 114.3187% | 480 |
| Total domestic deposits to total assets | 74.9900% | 4,315 |
| Equity capital to assets | 8.9421% | 2,396 |
| Core capital (leverage) ratio | 11.1558% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $962,648,800 | 1,020 |
| Average earning assets | $927,031,000 | 972 |
| Average equity | $92,095,000 | 1,005 |
| Average total loans | $765,408,400 | 843 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 502 |
| Cost of funding earning assets | 0.3570% | 1,648 |
| Net interest margin | 4.1429% | 474 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 2.3626% | 2,436 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 2.5415% | 147 |
| Return on assets (ROA) | 2.5435% | 145 |
| Pretax return on assets | 2.5435% | 204 |
| Return on Equity (ROE) | 26.1600% | 161 |
| Retained earnings to average equity (ytd only) | 6.5675% | 2,535 |
| Net charge-offs to loans | -0.0082% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.0122% | 4,271 |
| Assets per employee ($millions) | 6.1472% | 2,631 |
| Cash dividends to net income (ytd only)* | 74.8909% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 1,497 |
| Loan loss allowance to noncurrent loans | 484.0224% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 2,020 |
| Noncurrent loans to loans | 0.2963% | 2,179 |
| Net loans and leases to total assets | 80.0300% | 527 |
| Net loans and leases to deposits | 108.4352% | 145 |
| Net loans and leases to core deposits | 110.8324% | 445 |
| Total domestic deposits to total assets | 73.8000% | 4,458 |
| Equity capital to assets | 8.6329% | 2,454 |
| Core capital (leverage) ratio | 11.3656% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $960,966,250 | 1,028 |
| Average earning assets | $926,254,250 | 979 |
| Average equity | $93,448,000 | 1,006 |
| Average total loans | $760,482,750 | 846 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 462 |
| Cost of funding earning assets | 0.2704% | 2,026 |
| Net interest margin | 4.0994% | 403 |
| Noninterest income to average assets | 0.9873% | 692 |
| Noninterest expense to average assets | 2.3787% | 2,304 |
| Loan and lease loss provision to assets | 0.0125% | 2,371 |
| Net operating income to assets | 2.5492% | 106 |
| Return on assets (ROA) | 2.5503% | 101 |
| Pretax return on assets | 2.5503% | 156 |
| Return on Equity (ROE) | 25.2745% | 107 |
| Retained earnings to average equity (ytd only) | 4.0072% | 3,076 |
| Net charge-offs to loans | -0.0138% | 3,724 |
| Credit loss provision to net charge-offs | -115.3846% | 3,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1480% | 4,339 |
| Assets per employee ($millions) | 6.1977% | 2,566 |
| Cash dividends to net income (ytd only)* | 84.1451% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 1,593 |
| Loan loss allowance to noncurrent loans | 477.7446% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 2,119 |
| Noncurrent loans to loans | 0.3014% | 2,255 |
| Net loans and leases to total assets | 79.1655% | 469 |
| Net loans and leases to deposits | 104.4854% | 155 |
| Net loans and leases to core deposits | 105.7380% | 461 |
| Total domestic deposits to total assets | 75.7670% | 4,471 |
| Equity capital to assets | 9.0633% | 2,346 |
| Core capital (leverage) ratio | 11.2294% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $959,585,333 | 1,023 |
| Average earning assets | $925,365,667 | 981 |
| Average equity | $96,825,000 | 980 |
| Average total loans | $752,780,667 | 839 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 330 |
| Cost of funding earning assets | 0.2274% | 2,439 |
| Net interest margin | 4.2453% | 266 |
| Noninterest income to average assets | 0.8661% | 896 |
| Noninterest expense to average assets | 2.2951% | 2,518 |
| Loan and lease loss provision to assets | 0.0126% | 2,118 |
| Net operating income to assets | 2.6524% | 109 |
| Return on assets (ROA) | 2.6545% | 106 |
| Pretax return on assets | 2.6545% | 145 |
| Return on Equity (ROE) | 24.9602% | 98 |
| Retained earnings to average equity (ytd only) | 11.4611% | 693 |
| Net charge-offs to loans | -0.0259% | 4,025 |
| Credit loss provision to net charge-offs | -62.5000% | 2,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2713% | 4,483 |
| Assets per employee ($millions) | 6.0376% | 2,772 |
| Cash dividends to net income (ytd only)* | 54.0826% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 1,487 |
| Loan loss allowance to noncurrent loans | 446.1785% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 2,086 |
| Noncurrent loans to loans | 0.3413% | 2,259 |
| Net loans and leases to total assets | 76.5516% | 468 |
| Net loans and leases to deposits | 92.4881% | 414 |
| Net loans and leases to core deposits | 93.6215% | 748 |
| Total domestic deposits to total assets | 82.7691% | 3,968 |
| Equity capital to assets | 10.4540% | 1,606 |
| Core capital (leverage) ratio | 11.4538% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $955,956,500 | 1,026 |
| Average earning assets | $921,869,500 | 994 |
| Average equity | $101,666,000 | 980 |
| Average total loans | $740,876,000 | 842 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1905% | 1,009 |
| Cost of funding earning assets | 0.3053% | 2,360 |
| Net interest margin | 3.8852% | 864 |
| Noninterest income to average assets | 1.0332% | 935 |
| Noninterest expense to average assets | 2.4408% | 2,363 |
| Loan and lease loss provision to assets | 0.0377% | 2,289 |
| Net operating income to assets | 2.2972% | 208 |
| Return on assets (ROA) | 2.3753% | 191 |
| Pretax return on assets | 2.3753% | 311 |
| Return on Equity (ROE) | 21.9104% | 223 |
| Retained earnings to average equity (ytd only) | 6.6930% | 2,041 |
| Net charge-offs to loans | 0.0111% | 2,146 |
| Credit loss provision to net charge-offs | 433.7349% | 874 |
| Earnings coverage of net charge-offs (x) | 268.9036% | 437 |
| Efficiency ratio | 51.1095% | 4,190 |
| Assets per employee ($millions) | 6.2584% | 2,520 |
| Cash dividends to net income (ytd only)* | 69.4530% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 1,644 |
| Loan loss allowance to noncurrent loans | 235.1242% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 1,376 |
| Noncurrent loans to loans | 0.6282% | 1,579 |
| Net loans and leases to total assets | 76.1320% | 513 |
| Net loans and leases to deposits | 93.1861% | 412 |
| Net loans and leases to core deposits | 99.5117% | 557 |
| Total domestic deposits to total assets | 81.6989% | 4,009 |
| Equity capital to assets | 10.8107% | 1,932 |
| Core capital (leverage) ratio | 10.8920% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $955,908,000 | 991 |
| Average earning assets | $920,802,600 | 966 |
| Average equity | $103,631,200 | 985 |
| Average total loans | $744,785,200 | 839 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 1,157 |
| Cost of funding earning assets | 0.3230% | 2,372 |
| Net interest margin | 3.8424% | 1,037 |
| Noninterest income to average assets | 1.1474% | 865 |
| Noninterest expense to average assets | 2.4488% | 2,279 |
| Loan and lease loss provision to assets | 0.0379% | 2,234 |
| Net operating income to assets | 2.3632% | 256 |
| Return on assets (ROA) | 2.4677% | 226 |
| Pretax return on assets | 2.4677% | 354 |
| Return on Equity (ROE) | 22.7465% | 263 |
| Retained earnings to average equity (ytd only) | 5.9386% | 2,844 |
| Net charge-offs to loans | 0.0081% | 2,015 |
| Credit loss provision to net charge-offs | 602.2222% | 700 |
| Earnings coverage of net charge-offs (x) | 381.1333% | 369 |
| Efficiency ratio | 50.4922% | 4,178 |
| Assets per employee ($millions) | 6.2022% | 2,499 |
| Cash dividends to net income (ytd only)* | 73.8923% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 1,665 |
| Loan loss allowance to noncurrent loans | 222.5116% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 1,460 |
| Noncurrent loans to loans | 0.6703% | 1,635 |
| Net loans and leases to total assets | 76.7070% | 491 |
| Net loans and leases to deposits | 94.6902% | 393 |
| Net loans and leases to core deposits | 97.9304% | 662 |
| Total domestic deposits to total assets | 81.0083% | 4,094 |
| Equity capital to assets | 10.9670% | 2,046 |
| Core capital (leverage) ratio | 10.7483% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $952,373,750 | 1,010 |
| Average earning assets | $917,699,000 | 984 |
| Average equity | $103,321,750 | 1,003 |
| Average total loans | $743,584,750 | 858 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 1,145 |
| Cost of funding earning assets | 0.3465% | 2,341 |
| Net interest margin | 3.8755% | 1,015 |
| Noninterest income to average assets | 1.2455% | 753 |
| Noninterest expense to average assets | 2.4560% | 2,291 |
| Loan and lease loss provision to assets | 0.0380% | 2,235 |
| Net operating income to assets | 2.4864% | 221 |
| Return on assets (ROA) | 2.6430% | 196 |
| Pretax return on assets | 2.6430% | 284 |
| Return on Equity (ROE) | 24.4508% | 214 |
| Retained earnings to average equity (ytd only) | 5.8367% | 2,880 |
| Net charge-offs to loans | -0.0003% | 3,025 |
| Credit loss provision to net charge-offs | -18,100.0000% | 4,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3135% | 4,290 |
| Assets per employee ($millions) | 6.3577% | 2,278 |
| Cash dividends to net income (ytd only)* | 76.1289% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 1,662 |
| Loan loss allowance to noncurrent loans | 219.8478% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 1,576 |
| Noncurrent loans to loans | 0.6722% | 1,742 |
| Net loans and leases to total assets | 77.2479% | 496 |
| Net loans and leases to deposits | 96.2234% | 378 |
| Net loans and leases to core deposits | 99.7605% | 667 |
| Total domestic deposits to total assets | 80.2798% | 4,197 |
| Equity capital to assets | 10.8058% | 2,145 |
| Core capital (leverage) ratio | 10.4601% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $953,519,667 | 999 |
| Average earning assets | $918,907,333 | 978 |
| Average equity | $103,072,333 | 1,001 |
| Average total loans | $745,139,333 | 856 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3804% | 935 |
| Cost of funding earning assets | 0.3724% | 2,333 |
| Net interest margin | 4.0079% | 833 |
| Noninterest income to average assets | 1.1980% | 857 |
| Noninterest expense to average assets | 2.3031% | 2,779 |
| Loan and lease loss provision to assets | 0.0381% | 2,267 |
| Net operating income to assets | 2.7175% | 196 |
| Return on assets (ROA) | 2.8304% | 199 |
| Pretax return on assets | 2.8304% | 291 |
| Return on Equity (ROE) | 26.1790% | 225 |
| Retained earnings to average equity (ytd only) | 14.2942% | 727 |
| Net charge-offs to loans | -0.0005% | 3,015 |
| Credit loss provision to net charge-offs | -9,100.0000% | 3,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5282% | 4,495 |
| Assets per employee ($millions) | 6.1523% | 2,451 |
| Cash dividends to net income (ytd only)* | 45.3981% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 1,669 |
| Loan loss allowance to noncurrent loans | 336.2261% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 2,436 |
| Noncurrent loans to loans | 0.4409% | 2,536 |
| Net loans and leases to total assets | 75.3914% | 687 |
| Net loans and leases to deposits | 94.9947% | 439 |
| Net loans and leases to core deposits | 99.5760% | 730 |
| Total domestic deposits to total assets | 79.3638% | 4,288 |
| Equity capital to assets | 10.9219% | 1,924 |
| Core capital (leverage) ratio | 10.8289% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $956,628,500 | 988 |
| Average earning assets | $921,475,000 | 960 |
| Average equity | $103,426,500 | 983 |
| Average total loans | $746,335,000 | 853 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6996% | 892 |
| Cost of funding earning assets | 0.6606% | 1,930 |
| Net interest margin | 4.0390% | 895 |
| Noninterest income to average assets | 1.0402% | 972 |
| Noninterest expense to average assets | 2.7857% | 1,980 |
| Loan and lease loss provision to assets | 0.0432% | 3,863 |
| Net operating income to assets | 2.0979% | 218 |
| Return on assets (ROA) | 2.1443% | 216 |
| Pretax return on assets | 2.1443% | 335 |
| Return on Equity (ROE) | 20.7413% | 202 |
| Retained earnings to average equity (ytd only) | 8.7418% | 841 |
| Net charge-offs to loans | -0.0009% | 3,937 |
| Credit loss provision to net charge-offs | -5,714.2857% | 4,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5416% | 3,916 |
| Assets per employee ($millions) | 6.2321% | 2,140 |
| Cash dividends to net income (ytd only)* | 57.8531% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 1,873 |
| Loan loss allowance to noncurrent loans | 977.8080% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 3,670 |
| Noncurrent loans to loans | 0.1456% | 3,702 |
| Net loans and leases to total assets | 78.3863% | 567 |
| Net loans and leases to deposits | 106.5584% | 218 |
| Net loans and leases to core deposits | 113.9372% | 410 |
| Total domestic deposits to total assets | 73.5618% | 4,653 |
| Equity capital to assets | 10.7005% | 2,523 |
| Core capital (leverage) ratio | 10.2612% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $924,921,600 | 945 |
| Average earning assets | $890,049,600 | 909 |
| Average equity | $95,620,600 | 996 |
| Average total loans | $745,339,200 | 832 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6799% | 1,106 |
| Cost of funding earning assets | 0.7191% | 1,912 |
| Net interest margin | 3.9608% | 1,210 |
| Noninterest income to average assets | 0.9418% | 1,135 |
| Noninterest expense to average assets | 2.5996% | 2,529 |
| Loan and lease loss provision to assets | 0.0392% | 3,858 |
| Net operating income to assets | 2.1145% | 235 |
| Return on assets (ROA) | 2.1600% | 234 |
| Pretax return on assets | 2.1600% | 368 |
| Return on Equity (ROE) | 21.0847% | 203 |
| Retained earnings to average equity (ytd only) | 4.8131% | 2,645 |
| Net charge-offs to loans | -0.0009% | 3,808 |
| Credit loss provision to net charge-offs | -5,400.0000% | 4,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6899% | 4,075 |
| Assets per employee ($millions) | 6.3587% | 1,945 |
| Cash dividends to net income (ytd only)* | 77.1725% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 1,861 |
| Loan loss allowance to noncurrent loans | 846.2698% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 3,750 |
| Noncurrent loans to loans | 0.1622% | 3,737 |
| Net loans and leases to total assets | 80.3069% | 585 |
| Net loans and leases to deposits | 111.1528% | 209 |
| Net loans and leases to core deposits | 118.8244% | 440 |
| Total domestic deposits to total assets | 72.2491% | 4,679 |
| Equity capital to assets | 10.2117% | 3,054 |
| Core capital (leverage) ratio | 9.8091% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $917,775,500 | 939 |
| Average earning assets | $883,164,250 | 905 |
| Average equity | $94,018,250 | 1,004 |
| Average total loans | $742,120,750 | 832 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 1,194 |
| Cost of funding earning assets | 0.7900% | 1,876 |
| Net interest margin | 4.0003% | 1,323 |
| Noninterest income to average assets | 0.7454% | 1,590 |
| Noninterest expense to average assets | 2.6245% | 2,587 |
| Loan and lease loss provision to assets | 0.0402% | 3,776 |
| Net operating income to assets | 1.9270% | 385 |
| Return on assets (ROA) | 1.9753% | 385 |
| Pretax return on assets | 1.9753% | 573 |
| Return on Equity (ROE) | 19.2613% | 283 |
| Retained earnings to average equity (ytd only) | 0.7385% | 4,153 |
| Net charge-offs to loans | -0.0005% | 3,728 |
| Credit loss provision to net charge-offs | -9,100.0000% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1580% | 3,792 |
| Assets per employee ($millions) | 6.4651% | 1,818 |
| Cash dividends to net income (ytd only)* | 96.1659% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 1,800 |
| Loan loss allowance to noncurrent loans | 922.5131% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 3,923 |
| Noncurrent loans to loans | 0.1458% | 3,872 |
| Net loans and leases to total assets | 80.4752% | 545 |
| Net loans and leases to deposits | 112.4079% | 186 |
| Net loans and leases to core deposits | 123.2657% | 356 |
| Total domestic deposits to total assets | 71.5921% | 4,728 |
| Equity capital to assets | 9.7824% | 3,388 |
| Core capital (leverage) ratio | 9.5231% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $905,765,333 | 936 |
| Average earning assets | $870,894,667 | 897 |
| Average equity | $92,891,000 | 1,006 |
| Average total loans | $730,616,000 | 830 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 1,304 |
| Cost of funding earning assets | 0.8903% | 1,918 |
| Net interest margin | 3.9622% | 1,494 |
| Noninterest income to average assets | 0.7544% | 1,453 |
| Noninterest expense to average assets | 2.4005% | 3,539 |
| Loan and lease loss provision to assets | 0.0406% | 3,264 |
| Net operating income to assets | 2.1172% | 217 |
| Return on assets (ROA) | 2.1423% | 225 |
| Pretax return on assets | 2.1423% | 341 |
| Return on Equity (ROE) | 20.3731% | 151 |
| Retained earnings to average equity (ytd only) | 7.9766% | 1,239 |
| Net charge-offs to loans | 0.0023% | 2,511 |
| Credit loss provision to net charge-offs | 2,225.0000% | 320 |
| Earnings coverage of net charge-offs (x) | 1,182.7500% | 43 |
| Efficiency ratio | 52.6616% | 4,494 |
| Assets per employee ($millions) | 5.5127% | 2,110 |
| Cash dividends to net income (ytd only)* | 60.8473% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 1,300 |
| Loan loss allowance to noncurrent loans | 958.1885% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 4,007 |
| Noncurrent loans to loans | 0.1578% | 3,893 |
| Net loans and leases to total assets | 77.8207% | 1,004 |
| Net loans and leases to deposits | 112.9751% | 148 |
| Net loans and leases to core deposits | 130.2722% | 262 |
| Total domestic deposits to total assets | 68.8830% | 4,897 |
| Equity capital to assets | 10.6211% | 3,212 |
| Core capital (leverage) ratio | 10.6093% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $876,998,000 | 937 |
| Average earning assets | $841,967,000 | 902 |
| Average equity | $92,219,500 | 1,009 |
| Average total loans | $703,029,000 | 836 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0045% | 1,467 |
| Cost of funding earning assets | 1.0509% | 1,507 |
| Net interest margin | 3.9536% | 1,985 |
| Noninterest income to average assets | 0.7213% | 1,740 |
| Noninterest expense to average assets | 2.4102% | 3,664 |
| Loan and lease loss provision to assets | 0.0521% | 2,982 |
| Net operating income to assets | 2.0501% | 305 |
| Return on assets (ROA) | 2.0496% | 323 |
| Pretax return on assets | 2.0496% | 535 |
| Return on Equity (ROE) | 20.5694% | 184 |
| Retained earnings to average equity (ytd only) | 6.9370% | 1,415 |
| Net charge-offs to loans | -0.0033% | 4,280 |
| Credit loss provision to net charge-offs | -1,947.8261% | 4,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4124% | 4,483 |
| Assets per employee ($millions) | 5.7351% | 1,853 |
| Cash dividends to net income (ytd only)* | 66.2748% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 1,346 |
| Loan loss allowance to noncurrent loans | 1,161.9687% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 4,116 |
| Noncurrent loans to loans | 0.1253% | 4,027 |
| Net loans and leases to total assets | 80.1256% | 764 |
| Net loans and leases to deposits | 119.3122% | 82 |
| Net loans and leases to core deposits | 135.0104% | 224 |
| Total domestic deposits to total assets | 67.1563% | 5,004 |
| Equity capital to assets | 10.4097% | 3,532 |
| Core capital (leverage) ratio | 10.3404% | 3,147 |
| Tier 1 risk-based capital ratio | 11.9669% | 4,381 |
| Total risk-based capital ratio | 13.2186% | 4,257 |
| Memoranda: | ||
| Average total assets | $859,195,000 | 919 |
| Average earning assets | $823,872,000 | 878 |
| Average equity | $85,612,800 | 1,028 |
| Average total loans | $701,766,800 | 807 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9811% | 1,589 |
| Cost of funding earning assets | 1.0760% | 1,444 |
| Net interest margin | 3.9051% | 2,234 |
| Noninterest income to average assets | 0.6964% | 1,802 |
| Noninterest expense to average assets | 2.3540% | 3,812 |
| Loan and lease loss provision to assets | 0.0560% | 2,788 |
| Net operating income to assets | 2.0291% | 377 |
| Return on assets (ROA) | 2.0284% | 390 |
| Pretax return on assets | 2.0284% | 649 |
| Return on Equity (ROE) | 20.5934% | 220 |
| Retained earnings to average equity (ytd only) | 2.1081% | 4,233 |
| Net charge-offs to loans | -0.0048% | 4,192 |
| Credit loss provision to net charge-offs | -1,436.0000% | 4,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0295% | 4,494 |
| Assets per employee ($millions) | 5.5683% | 1,967 |
| Cash dividends to net income (ytd only)* | 89.7631% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4514% | 1,393 |
| Loan loss allowance to noncurrent loans | 1,584.7692% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 4,343 |
| Noncurrent loans to loans | 0.0916% | 4,241 |
| Net loans and leases to total assets | 80.5206% | 778 |
| Net loans and leases to deposits | 118.2104% | 105 |
| Net loans and leases to core deposits | 137.0773% | 214 |
| Total domestic deposits to total assets | 68.1164% | 5,057 |
| Equity capital to assets | 9.9927% | 4,025 |
| Core capital (leverage) ratio | 9.8989% | 3,737 |
| Tier 1 risk-based capital ratio | 11.2221% | 4,813 |
| Total risk-based capital ratio | 13.1029% | 4,373 |
| Memoranda: | ||
| Average total assets | $854,624,500 | 917 |
| Average earning assets | $819,082,750 | 884 |
| Average equity | $84,180,250 | 1,036 |
| Average total loans | $698,840,500 | 814 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9310% | 1,661 |
| Cost of funding earning assets | 1.0608% | 1,450 |
| Net interest margin | 3.8701% | 2,342 |
| Noninterest income to average assets | 0.6375% | 1,986 |
| Noninterest expense to average assets | 2.3754% | 3,804 |
| Loan and lease loss provision to assets | 0.0631% | 2,563 |
| Net operating income to assets | 1.9126% | 464 |
| Return on assets (ROA) | 1.9126% | 488 |
| Pretax return on assets | 1.9126% | 814 |
| Return on Equity (ROE) | 19.5135% | 286 |
| Retained earnings to average equity (ytd only) | 0.2665% | 4,619 |
| Net charge-offs to loans | -0.0055% | 4,149 |
| Credit loss provision to net charge-offs | -1,410.5263% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5941% | 4,403 |
| Assets per employee ($millions) | 5.2374% | 2,218 |
| Cash dividends to net income (ytd only)* | 98.6344% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 1,365 |
| Loan loss allowance to noncurrent loans | 1,441.2429% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 4,342 |
| Noncurrent loans to loans | 0.1019% | 4,213 |
| Net loans and leases to total assets | 80.6712% | 782 |
| Net loans and leases to deposits | 119.2311% | 95 |
| Net loans and leases to core deposits | 135.0758% | 242 |
| Total domestic deposits to total assets | 67.6595% | 5,115 |
| Equity capital to assets | 9.9793% | 3,989 |
| Core capital (leverage) ratio | 9.9242% | 3,671 |
| Tier 1 risk-based capital ratio | 11.3488% | 4,770 |
| Total risk-based capital ratio | 13.2462% | 4,310 |
| Memoranda: | ||
| Average total assets | $849,948,330 | 916 |
| Average earning assets | $815,576,670 | 883 |
| Average equity | $83,306,330 | 1,043 |
| Average total loans | $695,205,330 | 821 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8260% | 1,830 |
| Cost of funding earning assets | 1.0472% | 1,387 |
| Net interest margin | 3.7788% | 2,604 |
| Noninterest income to average assets | 0.5732% | 2,165 |
| Noninterest expense to average assets | 2.3816% | 3,818 |
| Loan and lease loss provision to assets | 0.0654% | 2,356 |
| Net operating income to assets | 1.7454% | 668 |
| Return on assets (ROA) | 1.7454% | 692 |
| Pretax return on assets | 1.7454% | 1,102 |
| Return on Equity (ROE) | 17.9705% | 401 |
| Retained earnings to average equity (ytd only) | 5.0445% | 2,890 |
| Net charge-offs to loans | -0.0052% | 4,038 |
| Credit loss provision to net charge-offs | -1,544.4444% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8080% | 4,237 |
| Assets per employee ($millions) | 5.3354% | 2,134 |
| Cash dividends to net income (ytd only)* | 71.9289% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 1,489 |
| Loan loss allowance to noncurrent loans | 592.4073% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 3,641 |
| Noncurrent loans to loans | 0.2458% | 3,684 |
| Net loans and leases to total assets | 80.7884% | 741 |
| Net loans and leases to deposits | 119.7841% | 89 |
| Net loans and leases to core deposits | 136.3843% | 228 |
| Total domestic deposits to total assets | 67.4450% | 5,186 |
| Equity capital to assets | 9.9244% | 3,897 |
| Core capital (leverage) ratio | 10.0086% | 3,597 |
| Tier 1 risk-based capital ratio | 11.5403% | 4,725 |
| Total risk-based capital ratio | 13.4412% | 4,235 |
| Memoranda: | ||
| Average total assets | $850,692,500 | 920 |
| Average earning assets | $814,745,500 | 885 |
| Average equity | $82,624,500 | 1,043 |
| Average total loans | $695,474,500 | 823 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 1,562 |
| Cost of funding earning assets | 0.8296% | 1,398 |
| Net interest margin | 3.9628% | 2,117 |
| Noninterest income to average assets | 0.6872% | 1,897 |
| Noninterest expense to average assets | 2.4773% | 3,678 |
| Loan and lease loss provision to assets | 0.0639% | 2,880 |
| Net operating income to assets | 1.9399% | 403 |
| Return on assets (ROA) | 1.9464% | 395 |
| Pretax return on assets | 1.9464% | 634 |
| Return on Equity (ROE) | 20.8960% | 204 |
| Retained earnings to average equity (ytd only) | 7.7468% | 1,352 |
| Net charge-offs to loans | -0.0119% | 4,543 |
| Credit loss provision to net charge-offs | -654.3210% | 4,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2826% | 4,488 |
| Assets per employee ($millions) | 5.4675% | 1,990 |
| Cash dividends to net income (ytd only)* | 62.9267% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 1,570 |
| Loan loss allowance to noncurrent loans | 696.9079% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 3,793 |
| Noncurrent loans to loans | 0.2033% | 3,853 |
| Net loans and leases to total assets | 80.3743% | 887 |
| Net loans and leases to deposits | 121.8499% | 86 |
| Net loans and leases to core deposits | 133.2676% | 271 |
| Total domestic deposits to total assets | 65.9617% | 5,247 |
| Equity capital to assets | 9.5047% | 4,127 |
| Core capital (leverage) ratio | 9.9608% | 3,629 |
| Tier 1 risk-based capital ratio | 11.2587% | 4,832 |
| Total risk-based capital ratio | 13.1514% | 4,380 |
| Memoranda: | ||
| Average total assets | $829,255,200 | 924 |
| Average earning assets | $793,916,000 | 888 |
| Average equity | $77,244,600 | 1,064 |
| Average total loans | $678,449,800 | 812 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 1,514 |
| Cost of funding earning assets | 0.8000% | 1,337 |
| Net interest margin | 3.9633% | 2,080 |
| Noninterest income to average assets | 0.6968% | 1,873 |
| Noninterest expense to average assets | 2.4915% | 3,621 |
| Loan and lease loss provision to assets | 0.0587% | 2,801 |
| Net operating income to assets | 1.9428% | 442 |
| Return on assets (ROA) | 1.9436% | 440 |
| Pretax return on assets | 1.9436% | 744 |
| Return on Equity (ROE) | 20.9766% | 216 |
| Retained earnings to average equity (ytd only) | 3.1950% | 4,144 |
| Net charge-offs to loans | -0.0026% | 4,118 |
| Credit loss provision to net charge-offs | -2,784.6154% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4533% | 4,453 |
| Assets per employee ($millions) | 5.2328% | 2,193 |
| Cash dividends to net income (ytd only)* | 84.7688% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 1,635 |
| Loan loss allowance to noncurrent loans | 306.1670% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 2,990 |
| Noncurrent loans to loans | 0.4628% | 2,996 |
| Net loans and leases to total assets | 81.4584% | 804 |
| Net loans and leases to deposits | 116.0772% | 146 |
| Net loans and leases to core deposits | 129.6570% | 340 |
| Total domestic deposits to total assets | 70.1761% | 5,206 |
| Equity capital to assets | 9.1616% | 4,411 |
| Core capital (leverage) ratio | 9.6344% | 4,004 |
| Tier 1 risk-based capital ratio | 10.9584% | 5,055 |
| Total risk-based capital ratio | 12.8665% | 4,611 |
| Memoranda: | ||
| Average total assets | $821,971,500 | 934 |
| Average earning assets | $787,307,000 | 889 |
| Average equity | $76,159,000 | 1,070 |
| Average total loans | $673,101,750 | 818 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7125% | 1,471 |
| Cost of funding earning assets | 0.7642% | 1,311 |
| Net interest margin | 3.9483% | 2,037 |
| Noninterest income to average assets | 0.7075% | 1,845 |
| Noninterest expense to average assets | 2.5021% | 3,627 |
| Loan and lease loss provision to assets | 0.0549% | 2,807 |
| Net operating income to assets | 1.9306% | 433 |
| Return on assets (ROA) | 1.9306% | 434 |
| Pretax return on assets | 1.9306% | 716 |
| Return on Equity (ROE) | 20.7585% | 217 |
| Retained earnings to average equity (ytd only) | 0.7917% | 4,809 |
| Net charge-offs to loans | -0.0027% | 3,994 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7560% | 4,508 |
| Assets per employee ($millions) | 5.1574% | 2,238 |
| Cash dividends to net income (ytd only)* | 96.1864% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 1,654 |
| Loan loss allowance to noncurrent loans | 662.9604% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 3,723 |
| Noncurrent loans to loans | 0.2154% | 3,951 |
| Net loans and leases to total assets | 80.3131% | 971 |
| Net loans and leases to deposits | 116.2826% | 158 |
| Net loans and leases to core deposits | 130.0942% | 334 |
| Total domestic deposits to total assets | 69.0672% | 5,306 |
| Equity capital to assets | 9.1715% | 4,409 |
| Core capital (leverage) ratio | 9.5078% | 4,108 |
| Tier 1 risk-based capital ratio | 10.9503% | 5,078 |
| Total risk-based capital ratio | 12.8708% | 4,610 |
| Memoranda: | ||
| Average total assets | $820,365,670 | 934 |
| Average earning assets | $785,399,330 | 892 |
| Average equity | $76,296,330 | 1,072 |
| Average total loans | $669,745,670 | 821 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6438% | 1,453 |
| Cost of funding earning assets | 0.7149% | 1,369 |
| Net interest margin | 3.9289% | 1,933 |
| Noninterest income to average assets | 0.7385% | 1,663 |
| Noninterest expense to average assets | 2.5208% | 3,581 |
| Loan and lease loss provision to assets | 0.0483% | 2,812 |
| Net operating income to assets | 1.9339% | 425 |
| Return on assets (ROA) | 1.9339% | 426 |
| Pretax return on assets | 1.9339% | 672 |
| Return on Equity (ROE) | 20.6507% | 214 |
| Retained earnings to average equity (ytd only) | 7.4336% | 2,086 |
| Net charge-offs to loans | -0.0167% | 4,464 |
| Credit loss provision to net charge-offs | -353.5714% | 3,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9814% | 4,583 |
| Assets per employee ($millions) | 5.0888% | 2,378 |
| Cash dividends to net income (ytd only)* | 64.0030% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 1,798 |
| Loan loss allowance to noncurrent loans | 535.9659% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 3,422 |
| Noncurrent loans to loans | 0.2631% | 3,820 |
| Net loans and leases to total assets | 80.0115% | 934 |
| Net loans and leases to deposits | 113.3102% | 187 |
| Net loans and leases to core deposits | 143.4808% | 179 |
| Total domestic deposits to total assets | 70.6129% | 5,350 |
| Equity capital to assets | 9.2961% | 4,270 |
| Core capital (leverage) ratio | 9.6452% | 3,912 |
| Tier 1 risk-based capital ratio | 11.0199% | 5,123 |
| Total risk-based capital ratio | 13.5993% | 4,236 |
| Memoranda: | ||
| Average total assets | $820,532,500 | 936 |
| Average earning assets | $786,164,500 | 895 |
| Average equity | $76,840,000 | 1,069 |
| Average total loans | $670,552,000 | 821 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 1,597 |
| Cost of funding earning assets | 0.6300% | 1,415 |
| Net interest margin | 3.9063% | 2,073 |
| Noninterest income to average assets | 0.6989% | 1,972 |
| Noninterest expense to average assets | 2.4708% | 3,878 |
| Loan and lease loss provision to assets | 0.0751% | 2,696 |
| Net operating income to assets | 1.8920% | 347 |
| Return on assets (ROA) | 1.8910% | 356 |
| Pretax return on assets | 1.8910% | 611 |
| Return on Equity (ROE) | 20.4900% | 178 |
| Retained earnings to average equity (ytd only) | 7.4736% | 931 |
| Net charge-offs to loans | 0.0120% | 3,662 |
| Credit loss provision to net charge-offs | 780.5195% | 433 |
| Earnings coverage of net charge-offs (x) | 204.3117% | 392 |
| Efficiency ratio | 55.6745% | 4,794 |
| Assets per employee ($millions) | 5.0413% | 2,432 |
| Cash dividends to net income (ytd only)* | 63.5258% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 1,823 |
| Loan loss allowance to noncurrent loans | 143.9889% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.9098% | 1,707 |
| Noncurrent loans to loans | 0.9617% | 1,841 |
| Net loans and leases to total assets | 81.1532% | 811 |
| Net loans and leases to deposits | 121.1169% | 101 |
| Net loans and leases to core deposits | 152.8774% | 120 |
| Total domestic deposits to total assets | 67.0040% | 5,494 |
| Equity capital to assets | 9.4339% | 4,291 |
| Core capital (leverage) ratio | 9.7051% | 3,811 |
| Tier 1 risk-based capital ratio | 10.7306% | 5,281 |
| Total risk-based capital ratio | 13.2959% | 4,384 |
| Memoranda: | ||
| Average total assets | $799,739,800 | 932 |
| Average earning assets | $765,506,600 | 897 |
| Average equity | $73,806,600 | 1,082 |
| Average total loans | $642,906,400 | 816 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5287% | 1,564 |
| Cost of funding earning assets | 0.6259% | 1,377 |
| Net interest margin | 3.9028% | 2,033 |
| Noninterest income to average assets | 0.6676% | 2,134 |
| Noninterest expense to average assets | 2.4214% | 3,961 |
| Loan and lease loss provision to assets | 0.0741% | 2,590 |
| Net operating income to assets | 1.9065% | 383 |
| Return on assets (ROA) | 1.9139% | 378 |
| Pretax return on assets | 1.9139% | 662 |
| Return on Equity (ROE) | 20.8570% | 183 |
| Retained earnings to average equity (ytd only) | 3.3096% | 3,958 |
| Net charge-offs to loans | -0.0132% | 4,722 |
| Credit loss provision to net charge-offs | -701.5873% | 4,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0069% | 4,846 |
| Assets per employee ($millions) | 5.0341% | 2,413 |
| Cash dividends to net income (ytd only)* | 84.1317% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 1,799 |
| Loan loss allowance to noncurrent loans | 119.6933% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 1,563 |
| Noncurrent loans to loans | 1.1889% | 1,611 |
| Net loans and leases to total assets | 79.3736% | 1,073 |
| Net loans and leases to deposits | 115.6911% | 158 |
| Net loans and leases to core deposits | 151.4180% | 114 |
| Total domestic deposits to total assets | 68.6083% | 5,517 |
| Equity capital to assets | 9.1460% | 4,780 |
| Core capital (leverage) ratio | 9.3189% | 4,386 |
| Tier 1 risk-based capital ratio | 10.3779% | 5,492 |
| Total risk-based capital ratio | 12.9639% | 4,699 |
| Memoranda: | ||
| Average total assets | $795,503,750 | 946 |
| Average earning assets | $761,174,750 | 912 |
| Average equity | $72,997,000 | 1,099 |
| Average total loans | $635,615,250 | 827 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5449% | 1,402 |
| Cost of funding earning assets | 0.6082% | 1,392 |
| Net interest margin | 3.9367% | 1,820 |
| Noninterest income to average assets | 0.6398% | 2,257 |
| Noninterest expense to average assets | 2.4007% | 4,049 |
| Loan and lease loss provision to assets | 0.0716% | 2,540 |
| Net operating income to assets | 1.9339% | 348 |
| Return on assets (ROA) | 1.9451% | 349 |
| Pretax return on assets | 1.9451% | 595 |
| Return on Equity (ROE) | 21.1731% | 173 |
| Retained earnings to average equity (ytd only) | 1.3275% | 4,722 |
| Net charge-offs to loans | -0.0152% | 4,674 |
| Credit loss provision to net charge-offs | -589.5833% | 4,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4844% | 4,975 |
| Assets per employee ($millions) | 5.1763% | 2,181 |
| Cash dividends to net income (ytd only)* | 93.7305% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 1,890 |
| Loan loss allowance to noncurrent loans | 114.3556% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.1647% | 1,467 |
| Noncurrent loans to loans | 1.2364% | 1,570 |
| Net loans and leases to total assets | 79.1989% | 1,067 |
| Net loans and leases to deposits | 116.5886% | 143 |
| Net loans and leases to core deposits | 153.4774% | 107 |
| Total domestic deposits to total assets | 67.9302% | 5,595 |
| Equity capital to assets | 9.1101% | 4,792 |
| Core capital (leverage) ratio | 9.2100% | 4,473 |
| Tier 1 risk-based capital ratio | 10.3556% | 5,517 |
| Total risk-based capital ratio | 12.9631% | 4,709 |
| Memoranda: | ||
| Average total assets | $790,509,330 | 950 |
| Average earning assets | $756,321,000 | 919 |
| Average equity | $72,620,330 | 1,103 |
| Average total loans | $629,953,670 | 838 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 1,381 |
| Cost of funding earning assets | 0.5849% | 1,478 |
| Net interest margin | 3.9113% | 1,740 |
| Noninterest income to average assets | 0.6281% | 2,278 |
| Noninterest expense to average assets | 2.3839% | 4,168 |
| Loan and lease loss provision to assets | 0.0673% | 2,464 |
| Net operating income to assets | 1.9200% | 351 |
| Return on assets (ROA) | 1.9261% | 360 |
| Pretax return on assets | 1.9261% | 594 |
| Return on Equity (ROE) | 20.8775% | 194 |
| Retained earnings to average equity (ytd only) | 7.5984% | 1,612 |
| Net charge-offs to loans | 0.0026% | 2,880 |
| Credit loss provision to net charge-offs | 3,300.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 974.5000% | 46 |
| Efficiency ratio | 54.5370% | 5,084 |
| Assets per employee ($millions) | 5.1895% | 2,199 |
| Cash dividends to net income (ytd only)* | 63.6051% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 1,939 |
| Loan loss allowance to noncurrent loans | 466.9811% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 3,539 |
| Noncurrent loans to loans | 0.3066% | 4,021 |
| Net loans and leases to total assets | 78.2853% | 1,091 |
| Net loans and leases to deposits | 110.6035% | 206 |
| Net loans and leases to core deposits | 144.6535% | 134 |
| Total domestic deposits to total assets | 70.7802% | 5,602 |
| Equity capital to assets | 9.3275% | 4,473 |
| Core capital (leverage) ratio | 9.4412% | 4,186 |
| Tier 1 risk-based capital ratio | 10.7440% | 5,442 |
| Total risk-based capital ratio | 13.3853% | 4,524 |
| Memoranda: | ||
| Average total assets | $784,598,000 | 960 |
| Average earning assets | $750,848,000 | 926 |
| Average equity | $72,384,000 | 1,103 |
| Average total loans | $622,655,000 | 843 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 1,472 |
| Cost of funding earning assets | 0.6031% | 1,308 |
| Net interest margin | 3.9186% | 1,908 |
| Noninterest income to average assets | 0.7557% | 1,937 |
| Noninterest expense to average assets | 2.5258% | 3,933 |
| Loan and lease loss provision to assets | 0.1219% | 2,024 |
| Net operating income to assets | 1.8583% | 401 |
| Return on assets (ROA) | 1.8749% | 402 |
| Pretax return on assets | 1.8749% | 658 |
| Return on Equity (ROE) | 20.1646% | 202 |
| Retained earnings to average equity (ytd only) | 7.2926% | 1,116 |
| Net charge-offs to loans | 0.0282% | 3,463 |
| Credit loss provision to net charge-offs | 542.9412% | 618 |
| Earnings coverage of net charge-offs (x) | 88.1941% | 665 |
| Efficiency ratio | 56.0542% | 5,065 |
| Assets per employee ($millions) | 5.2026% | 2,167 |
| Cash dividends to net income (ytd only)* | 63.8349% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 2,034 |
| Loan loss allowance to noncurrent loans | 363.4934% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 3,457 |
| Noncurrent loans to loans | 0.3878% | 3,753 |
| Net loans and leases to total assets | 78.1794% | 1,178 |
| Net loans and leases to deposits | 116.3947% | 129 |
| Net loans and leases to core deposits | 147.6352% | 127 |
| Total domestic deposits to total assets | 67.1675% | 5,739 |
| Equity capital to assets | 9.1240% | 4,677 |
| Core capital (leverage) ratio | 9.4380% | 4,176 |
| Tier 1 risk-based capital ratio | 10.5903% | 5,533 |
| Total risk-based capital ratio | 13.2377% | 4,620 |
| Memoranda: | ||
| Average total assets | $757,142,200 | 958 |
| Average earning assets | $724,624,200 | 916 |
| Average equity | $70,400,600 | 1,122 |
| Average total loans | $602,921,000 | 824 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5377% | 1,433 |
| Cost of funding earning assets | 0.6124% | 1,252 |
| Net interest margin | 3.9253% | 1,894 |
| Noninterest income to average assets | 0.7066% | 2,139 |
| Noninterest expense to average assets | 2.4782% | 4,052 |
| Loan and lease loss provision to assets | 0.1230% | 1,895 |
| Net operating income to assets | 1.8630% | 437 |
| Return on assets (ROA) | 1.8854% | 435 |
| Pretax return on assets | 1.8854% | 734 |
| Return on Equity (ROE) | 20.1779% | 233 |
| Retained earnings to average equity (ytd only) | 2.9375% | 4,146 |
| Net charge-offs to loans | 0.0363% | 2,901 |
| Credit loss provision to net charge-offs | 424.5399% | 806 |
| Earnings coverage of net charge-offs (x) | 68.5392% | 869 |
| Efficiency ratio | 55.5131% | 5,106 |
| Assets per employee ($millions) | 4.9718% | 2,400 |
| Cash dividends to net income (ytd only)* | 85.4422% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 2,146 |
| Loan loss allowance to noncurrent loans | 312.7924% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 3,704 |
| Noncurrent loans to loans | 0.4514% | 3,657 |
| Net loans and leases to total assets | 78.5572% | 1,108 |
| Net loans and leases to deposits | 116.6854% | 147 |
| Net loans and leases to core deposits | 146.8833% | 144 |
| Total domestic deposits to total assets | 67.3240% | 5,784 |
| Equity capital to assets | 9.3491% | 4,823 |
| Core capital (leverage) ratio | 9.1094% | 4,706 |
| Tier 1 risk-based capital ratio | 10.4285% | 5,644 |
| Total risk-based capital ratio | 13.8507% | 4,315 |
| Memoranda: | ||
| Average total assets | $750,031,000 | 963 |
| Average earning assets | $717,998,000 | 927 |
| Average equity | $70,081,500 | 1,129 |
| Average total loans | $597,914,000 | 833 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 1,544 |
| Cost of funding earning assets | 0.6164% | 1,212 |
| Net interest margin | 3.8737% | 2,070 |
| Noninterest income to average assets | 0.6971% | 2,153 |
| Noninterest expense to average assets | 2.4336% | 4,223 |
| Loan and lease loss provision to assets | 0.1230% | 1,851 |
| Net operating income to assets | 1.8468% | 444 |
| Return on assets (ROA) | 1.8626% | 449 |
| Pretax return on assets | 1.8626% | 759 |
| Return on Equity (ROE) | 19.9380% | 248 |
| Retained earnings to average equity (ytd only) | 0.4474% | 5,172 |
| Net charge-offs to loans | 0.0568% | 2,380 |
| Credit loss provision to net charge-offs | 271.5976% | 1,041 |
| Earnings coverage of net charge-offs (x) | 43.5030% | 1,096 |
| Efficiency ratio | 55.2662% | 5,216 |
| Assets per employee ($millions) | 4.9723% | 2,329 |
| Cash dividends to net income (ytd only)* | 97.7560% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 2,329 |
| Loan loss allowance to noncurrent loans | 233.4175% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 3,321 |
| Noncurrent loans to loans | 0.5965% | 3,276 |
| Net loans and leases to total assets | 78.4762% | 1,139 |
| Net loans and leases to deposits | 114.8194% | 168 |
| Net loans and leases to core deposits | 145.9511% | 142 |
| Total domestic deposits to total assets | 68.3475% | 5,832 |
| Equity capital to assets | 9.3422% | 4,927 |
| Core capital (leverage) ratio | 9.0375% | 4,782 |
| Tier 1 risk-based capital ratio | 10.4660% | 5,683 |
| Total risk-based capital ratio | 13.9409% | 4,299 |
| Memoranda: | ||
| Average total assets | $746,479,330 | 970 |
| Average earning assets | $714,202,330 | 933 |
| Average equity | $69,736,330 | 1,133 |
| Average total loans | $595,174,670 | 830 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4770% | 1,576 |
| Cost of funding earning assets | 0.6169% | 1,231 |
| Net interest margin | 3.8601% | 2,071 |
| Noninterest income to average assets | 0.6245% | 2,391 |
| Noninterest expense to average assets | 2.4151% | 4,322 |
| Loan and lease loss provision to assets | 0.1236% | 1,712 |
| Net operating income to assets | 1.7783% | 486 |
| Return on assets (ROA) | 1.7783% | 518 |
| Pretax return on assets | 1.7783% | 880 |
| Return on Equity (ROE) | 19.0356% | 292 |
| Retained earnings to average equity (ytd only) | 6.0058% | 2,372 |
| Net charge-offs to loans | 0.0788% | 1,696 |
| Credit loss provision to net charge-offs | 196.5812% | 1,094 |
| Earnings coverage of net charge-offs (x) | 30.2479% | 1,177 |
| Efficiency ratio | 55.9442% | 5,194 |
| Assets per employee ($millions) | 5.0480% | 2,291 |
| Cash dividends to net income (ytd only)* | 68.4497% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 2,581 |
| Loan loss allowance to noncurrent loans | 244.6514% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5276% | 3,491 |
| Noncurrent loans to loans | 0.5582% | 3,514 |
| Net loans and leases to total assets | 78.7081% | 990 |
| Net loans and leases to deposits | 114.3075% | 146 |
| Net loans and leases to core deposits | 143.8687% | 143 |
| Total domestic deposits to total assets | 68.8565% | 5,899 |
| Equity capital to assets | 9.4070% | 4,764 |
| Core capital (leverage) ratio | 9.1765% | 4,625 |
| Tier 1 risk-based capital ratio | 10.6110% | 5,708 |
| Total risk-based capital ratio | 14.0871% | 4,280 |
| Memoranda: | ||
| Average total assets | $744,311,000 | 970 |
| Average earning assets | $712,001,500 | 936 |
| Average equity | $69,533,000 | 1,132 |
| Average total loans | $593,996,500 | 826 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 1,678 |
| Cost of funding earning assets | 0.5509% | 1,747 |
| Net interest margin | 3.9244% | 1,950 |
| Noninterest income to average assets | 0.7623% | 1,923 |
| Noninterest expense to average assets | 2.6081% | 3,892 |
| Loan and lease loss provision to assets | 0.1267% | 1,909 |
| Net operating income to assets | 1.7677% | 508 |
| Return on assets (ROA) | 1.7774% | 515 |
| Pretax return on assets | 1.7774% | 839 |
| Return on Equity (ROE) | 18.7951% | 325 |
| Retained earnings to average equity (ytd only) | 6.0133% | 1,785 |
| Net charge-offs to loans | 0.0341% | 3,524 |
| Credit loss provision to net charge-offs | 469.4737% | 665 |
| Earnings coverage of net charge-offs (x) | 70.2211% | 770 |
| Efficiency ratio | 57.9263% | 5,152 |
| Assets per employee ($millions) | 4.9107% | 2,458 |
| Cash dividends to net income (ytd only)* | 68.0061% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 2,636 |
| Loan loss allowance to noncurrent loans | 187.6812% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6577% | 3,071 |
| Noncurrent loans to loans | 0.7229% | 3,016 |
| Net loans and leases to total assets | 78.7291% | 1,027 |
| Net loans and leases to deposits | 114.4334% | 162 |
| Net loans and leases to core deposits | 142.9759% | 142 |
| Total domestic deposits to total assets | 68.7991% | 5,949 |
| Equity capital to assets | 9.2764% | 4,816 |
| Core capital (leverage) ratio | 9.2681% | 4,522 |
| Tier 1 risk-based capital ratio | 10.5443% | 5,754 |
| Total risk-based capital ratio | 14.0406% | 4,355 |
| Memoranda: | ||
| Average total assets | $704,300,800 | 986 |
| Average earning assets | $671,234,200 | 951 |
| Average equity | $66,602,600 | 1,139 |
| Average total loans | $556,723,400 | 843 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 1,643 |
| Cost of funding earning assets | 0.5436% | 1,855 |
| Net interest margin | 3.9404% | 1,895 |
| Noninterest income to average assets | 0.8042% | 1,787 |
| Noninterest expense to average assets | 2.6106% | 3,835 |
| Loan and lease loss provision to assets | 0.0842% | 2,486 |
| Net operating income to assets | 1.8613% | 456 |
| Return on assets (ROA) | 1.8662% | 474 |
| Pretax return on assets | 1.8662% | 773 |
| Return on Equity (ROE) | 19.6351% | 294 |
| Retained earnings to average equity (ytd only) | 2.4524% | 4,646 |
| Net charge-offs to loans | 0.0243% | 3,449 |
| Credit loss provision to net charge-offs | 439.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 101.4100% | 619 |
| Efficiency ratio | 57.2993% | 5,197 |
| Assets per employee ($millions) | 4.9174% | 2,399 |
| Cash dividends to net income (ytd only)* | 87.5103% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 2,873 |
| Loan loss allowance to noncurrent loans | 146.7458% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.7331% | 3,077 |
| Noncurrent loans to loans | 0.9181% | 2,682 |
| Net loans and leases to total assets | 78.1894% | 1,073 |
| Net loans and leases to deposits | 111.4154% | 224 |
| Net loans and leases to core deposits | 139.3612% | 175 |
| Total domestic deposits to total assets | 70.1783% | 5,962 |
| Equity capital to assets | 9.2588% | 5,048 |
| Core capital (leverage) ratio | 9.1507% | 4,808 |
| Tier 1 risk-based capital ratio | 10.3744% | 5,931 |
| Total risk-based capital ratio | 13.9186% | 4,541 |
| Memoranda: | ||
| Average total assets | $694,997,000 | 1,005 |
| Average earning assets | $661,735,500 | 968 |
| Average equity | $66,056,750 | 1,153 |
| Average total loans | $547,949,750 | 859 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 1,514 |
| Cost of funding earning assets | 0.5377% | 1,923 |
| Net interest margin | 3.9683% | 1,742 |
| Noninterest income to average assets | 0.7984% | 1,786 |
| Noninterest expense to average assets | 2.6420% | 3,767 |
| Loan and lease loss provision to assets | 0.0681% | 2,755 |
| Net operating income to assets | 1.8616% | 457 |
| Return on assets (ROA) | 1.8692% | 471 |
| Pretax return on assets | 1.8692% | 787 |
| Return on Equity (ROE) | 19.4909% | 297 |
| Retained earnings to average equity (ytd only) | 0.1214% | 5,469 |
| Net charge-offs to loans | 0.0044% | 3,747 |
| Credit loss provision to net charge-offs | 1,950.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 552.6667% | 121 |
| Efficiency ratio | 57.7902% | 5,244 |
| Assets per employee ($millions) | 4.6087% | 2,818 |
| Cash dividends to net income (ytd only)* | 99.3773% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 2,889 |
| Loan loss allowance to noncurrent loans | 122.8279% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 2,725 |
| Noncurrent loans to loans | 1.1164% | 2,415 |
| Net loans and leases to total assets | 78.5446% | 1,004 |
| Net loans and leases to deposits | 109.5508% | 269 |
| Net loans and leases to core deposits | 136.7166% | 194 |
| Total domestic deposits to total assets | 71.6969% | 5,949 |
| Equity capital to assets | 9.3907% | 4,793 |
| Core capital (leverage) ratio | 9.2231% | 4,659 |
| Tier 1 risk-based capital ratio | 10.3421% | 5,975 |
| Total risk-based capital ratio | 13.9219% | 4,627 |
| Memoranda: | ||
| Average total assets | $687,349,000 | 1,017 |
| Average earning assets | $653,577,000 | 980 |
| Average equity | $65,918,000 | 1,160 |
| Average total loans | $540,926,330 | 871 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 1,617 |
| Cost of funding earning assets | 0.5328% | 1,987 |
| Net interest margin | 3.9140% | 1,846 |
| Noninterest income to average assets | 0.7470% | 1,929 |
| Noninterest expense to average assets | 2.6432% | 3,776 |
| Loan and lease loss provision to assets | 0.0683% | 2,577 |
| Net operating income to assets | 1.7567% | 524 |
| Return on assets (ROA) | 1.7748% | 533 |
| Pretax return on assets | 1.7748% | 907 |
| Return on Equity (ROE) | 18.3143% | 366 |
| Retained earnings to average equity (ytd only) | 5.4985% | 2,779 |
| Net charge-offs to loans | 0.0037% | 3,190 |
| Credit loss provision to net charge-offs | 2,340.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 625.4000% | 82 |
| Efficiency ratio | 59.1562% | 5,204 |
| Assets per employee ($millions) | 4.6819% | 2,794 |
| Cash dividends to net income (ytd only)* | 69.9770% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 3,058 |
| Loan loss allowance to noncurrent loans | 117.5012% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.9564% | 2,712 |
| Noncurrent loans to loans | 1.1668% | 2,440 |
| Net loans and leases to total assets | 77.7563% | 963 |
| Net loans and leases to deposits | 111.3343% | 193 |
| Net loans and leases to core deposits | 137.5112% | 175 |
| Total domestic deposits to total assets | 69.8404% | 6,137 |
| Equity capital to assets | 9.7313% | 4,459 |
| Core capital (leverage) ratio | 9.4518% | 4,350 |
| Tier 1 risk-based capital ratio | 10.6247% | 5,972 |
| Total risk-based capital ratio | 14.2338% | 4,530 |
| Memoranda: | ||
| Average total assets | $685,372,000 | 1,012 |
| Average earning assets | $651,605,000 | 985 |
| Average equity | $66,418,000 | 1,153 |
| Average total loans | $536,124,500 | 875 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 1,991 |
| Cost of funding earning assets | 0.5653% | 2,091 |
| Net interest margin | 3.9039% | 2,227 |
| Noninterest income to average assets | 0.8181% | 1,800 |
| Noninterest expense to average assets | 2.6641% | 3,995 |
| Loan and lease loss provision to assets | 0.1341% | 1,950 |
| Net operating income to assets | 1.7263% | 549 |
| Return on assets (ROA) | 1.7424% | 539 |
| Pretax return on assets | 1.7424% | 904 |
| Return on Equity (ROE) | 18.8454% | 326 |
| Retained earnings to average equity (ytd only) | 6.0302% | 1,909 |
| Net charge-offs to loans | 0.0018% | 4,941 |
| Credit loss provision to net charge-offs | 10,011.1111% | 25 |
| Earnings coverage of net charge-offs (x) | 1,389.2222% | 26 |
| Efficiency ratio | 58.8779% | 5,360 |
| Assets per employee ($millions) | 4.5806% | 2,902 |
| Cash dividends to net income (ytd only)* | 68.0017% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 3,025 |
| Loan loss allowance to noncurrent loans | 115.0235% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.9850% | 2,787 |
| Noncurrent loans to loans | 1.2026% | 2,443 |
| Net loans and leases to total assets | 76.5318% | 1,191 |
| Net loans and leases to deposits | 106.8912% | 328 |
| Net loans and leases to core deposits | 133.3886% | 215 |
| Total domestic deposits to total assets | 71.5979% | 6,113 |
| Equity capital to assets | 9.6499% | 4,532 |
| Core capital (leverage) ratio | 9.2705% | 4,571 |
| Tier 1 risk-based capital ratio | 11.0706% | 5,881 |
| Total risk-based capital ratio | 14.8376% | 4,294 |
| Memoranda: | ||
| Average total assets | $672,055,000 | 991 |
| Average earning assets | $638,059,200 | 962 |
| Average equity | $62,137,200 | 1,175 |
| Average total loans | $509,251,000 | 877 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 1,986 |
| Cost of funding earning assets | 0.5652% | 2,146 |
| Net interest margin | 3.9026% | 2,230 |
| Noninterest income to average assets | 0.8198% | 1,814 |
| Noninterest expense to average assets | 2.6495% | 4,016 |
| Loan and lease loss provision to assets | 0.1346% | 1,856 |
| Net operating income to assets | 1.7415% | 570 |
| Return on assets (ROA) | 1.7630% | 563 |
| Pretax return on assets | 1.7630% | 956 |
| Return on Equity (ROE) | 19.2830% | 324 |
| Retained earnings to average equity (ytd only) | 1.9366% | 5,086 |
| Net charge-offs to loans | 0.0024% | 4,633 |
| Credit loss provision to net charge-offs | 7,511.1111% | 53 |
| Earnings coverage of net charge-offs (x) | 1,046.6408% | 64 |
| Efficiency ratio | 58.5398% | 5,375 |
| Assets per employee ($millions) | 4.5015% | 2,971 |
| Cash dividends to net income (ytd only)* | 89.9571% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 3,203 |
| Loan loss allowance to noncurrent loans | 117.4467% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.9478% | 3,071 |
| Noncurrent loans to loans | 1.1877% | 2,678 |
| Net loans and leases to total assets | 74.3530% | 1,465 |
| Net loans and leases to deposits | 104.5748% | 378 |
| Net loans and leases to core deposits | 132.5910% | 210 |
| Total domestic deposits to total assets | 71.1003% | 6,226 |
| Equity capital to assets | 9.2801% | 5,054 |
| Core capital (leverage) ratio | 8.9536% | 5,131 |
| Tier 1 risk-based capital ratio | 10.8559% | 6,059 |
| Total risk-based capital ratio | 14.6916% | 4,523 |
| Memoranda: | ||
| Average total assets | $669,440,750 | 1,009 |
| Average earning assets | $635,695,750 | 976 |
| Average equity | $61,206,000 | 1,200 |
| Average total loans | $504,147,250 | 888 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 2,049 |
| Cost of funding earning assets | 0.5617% | 2,244 |
| Net interest margin | 3.8747% | 2,283 |
| Noninterest income to average assets | 0.8473% | 1,672 |
| Noninterest expense to average assets | 2.6307% | 4,132 |
| Loan and lease loss provision to assets | 0.1351% | 1,832 |
| Net operating income to assets | 1.7603% | 523 |
| Return on assets (ROA) | 1.7654% | 541 |
| Pretax return on assets | 1.7654% | 905 |
| Return on Equity (ROE) | 19.4069% | 325 |
| Retained earnings to average equity (ytd only) | -0.2668% | 5,727 |
| Net charge-offs to loans | 0.0048% | 4,217 |
| Credit loss provision to net charge-offs | 3,758.3333% | 95 |
| Earnings coverage of net charge-offs (x) | 527.1667% | 134 |
| Efficiency ratio | 58.1226% | 5,542 |
| Assets per employee ($millions) | 4.5554% | 2,835 |
| Cash dividends to net income (ytd only)* | 101.3747% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 3,672 |
| Loan loss allowance to noncurrent loans | 169.3521% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.6547% | 4,019 |
| Noncurrent loans to loans | 0.7880% | 3,730 |
| Net loans and leases to total assets | 75.8973% | 1,179 |
| Net loans and leases to deposits | 107.6959% | 257 |
| Net loans and leases to core deposits | 135.7611% | 171 |
| Total domestic deposits to total assets | 70.4737% | 6,334 |
| Equity capital to assets | 9.1561% | 5,150 |
| Core capital (leverage) ratio | 8.9333% | 5,110 |
| Tier 1 risk-based capital ratio | 10.7140% | 6,166 |
| Total risk-based capital ratio | 14.5562% | 4,648 |
| Memoranda: | ||
| Average total assets | $667,511,670 | 1,011 |
| Average earning assets | $633,756,330 | 975 |
| Average equity | $60,720,670 | 1,200 |
| Average total loans | $502,478,330 | 886 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 2,253 |
| Cost of funding earning assets | 0.5598% | 2,346 |
| Net interest margin | 3.8146% | 2,409 |
| Noninterest income to average assets | 0.8133% | 1,701 |
| Noninterest expense to average assets | 2.6463% | 4,124 |
| Loan and lease loss provision to assets | 0.1356% | 1,786 |
| Net operating income to assets | 1.6590% | 607 |
| Return on assets (ROA) | 1.6590% | 637 |
| Pretax return on assets | 1.6590% | 1,054 |
| Return on Equity (ROE) | 18.2974% | 416 |
| Retained earnings to average equity (ytd only) | 5.1172% | 3,048 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5891% | 5,456 |
| Assets per employee ($millions) | 4.6392% | 2,744 |
| Cash dividends to net income (ytd only)* | 72.0333% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 3,845 |
| Loan loss allowance to noncurrent loans | 175.2895% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 4,273 |
| Noncurrent loans to loans | 0.7703% | 3,934 |
| Net loans and leases to total assets | 72.8468% | 1,442 |
| Net loans and leases to deposits | 102.8508% | 338 |
| Net loans and leases to core deposits | 127.6142% | 207 |
| Total domestic deposits to total assets | 70.8277% | 6,409 |
| Equity capital to assets | 9.1654% | 4,917 |
| Core capital (leverage) ratio | 9.1011% | 4,870 |
| Tier 1 risk-based capital ratio | 11.3083% | 6,014 |
| Total risk-based capital ratio | 15.2568% | 4,271 |
| Memoranda: | ||
| Average total assets | $666,442,500 | 1,025 |
| Average earning assets | $633,777,500 | 982 |
| Average equity | $60,424,000 | 1,204 |
| Average total loans | $496,157,500 | 896 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 2,133 |
| Cost of funding earning assets | 0.5873% | 2,774 |
| Net interest margin | 3.9325% | 2,166 |
| Noninterest income to average assets | 0.7692% | 2,220 |
| Noninterest expense to average assets | 2.8063% | 3,698 |
| Loan and lease loss provision to assets | 0.0731% | 3,656 |
| Net operating income to assets | 1.6245% | 656 |
| Return on assets (ROA) | 1.8002% | 497 |
| Pretax return on assets | 1.8002% | 761 |
| Return on Equity (ROE) | 20.4365% | 261 |
| Retained earnings to average equity (ytd only) | 7.2462% | 1,337 |
| Net charge-offs to loans | -0.0977% | 6,471 |
| Credit loss provision to net charge-offs | -102.3256% | 5,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3050% | 5,155 |
| Assets per employee ($millions) | 4.5537% | 2,815 |
| Cash dividends to net income (ytd only)* | 64.5429% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 4,191 |
| Loan loss allowance to noncurrent loans | 197.8174% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 4,491 |
| Noncurrent loans to loans | 0.6519% | 4,335 |
| Net loans and leases to total assets | 74.0884% | 1,334 |
| Net loans and leases to deposits | 103.3732% | 345 |
| Net loans and leases to core deposits | 129.9835% | 195 |
| Total domestic deposits to total assets | 71.6708% | 6,446 |
| Equity capital to assets | 8.9674% | 5,077 |
| Core capital (leverage) ratio | 8.9736% | 5,045 |
| Tier 1 risk-based capital ratio | 11.1724% | 6,088 |
| Total risk-based capital ratio | 15.0909% | 4,357 |
| Memoranda: | ||
| Average total assets | $661,753,400 | 1,008 |
| Average earning assets | $628,478,200 | 964 |
| Average equity | $58,292,800 | 1,241 |
| Average total loans | $484,334,800 | 878 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5395% | 2,079 |
| Cost of funding earning assets | 0.5934% | 2,867 |
| Net interest margin | 3.9461% | 2,128 |
| Noninterest income to average assets | 0.7814% | 2,243 |
| Noninterest expense to average assets | 2.8615% | 3,436 |
| Loan and lease loss provision to assets | 0.0726% | 3,609 |
| Net operating income to assets | 1.5913% | 763 |
| Return on assets (ROA) | 1.8259% | 515 |
| Pretax return on assets | 1.8259% | 848 |
| Return on Equity (ROE) | 20.8226% | 251 |
| Retained earnings to average equity (ytd only) | 3.1354% | 4,436 |
| Net charge-offs to loans | -0.1320% | 6,571 |
| Credit loss provision to net charge-offs | -75.6303% | 5,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2271% | 4,942 |
| Assets per employee ($millions) | 4.4233% | 3,009 |
| Cash dividends to net income (ytd only)* | 84.9425% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 4,543 |
| Loan loss allowance to noncurrent loans | 211.7371% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 4,626 |
| Noncurrent loans to loans | 0.5994% | 4,699 |
| Net loans and leases to total assets | 74.5217% | 1,211 |
| Net loans and leases to deposits | 108.2850% | 183 |
| Net loans and leases to core deposits | 132.3236% | 163 |
| Total domestic deposits to total assets | 68.8200% | 6,640 |
| Equity capital to assets | 8.5949% | 5,627 |
| Core capital (leverage) ratio | 8.5445% | 5,730 |
| Tier 1 risk-based capital ratio | 10.5584% | 6,436 |
| Total risk-based capital ratio | 14.4277% | 4,945 |
| Memoranda: | ||
| Average total assets | $660,981,500 | 1,013 |
| Average earning assets | $627,130,750 | 975 |
| Average equity | $57,961,250 | 1,251 |
| Average total loans | $480,667,250 | 888 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5377% | 2,062 |
| Cost of funding earning assets | 0.6000% | 2,936 |
| Net interest margin | 3.9377% | 2,083 |
| Noninterest income to average assets | 0.8101% | 2,145 |
| Noninterest expense to average assets | 2.9933% | 3,019 |
| Loan and lease loss provision to assets | 0.0725% | 3,588 |
| Net operating income to assets | 1.4818% | 929 |
| Return on assets (ROA) | 1.8143% | 543 |
| Pretax return on assets | 1.8143% | 902 |
| Return on Equity (ROE) | 20.5549% | 271 |
| Retained earnings to average equity (ytd only) | 0.8048% | 5,576 |
| Net charge-offs to loans | -0.1974% | 6,661 |
| Credit loss provision to net charge-offs | -51.1727% | 5,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8203% | 4,583 |
| Assets per employee ($millions) | 4.4752% | 2,850 |
| Cash dividends to net income (ytd only)* | 96.0846% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 4,661 |
| Loan loss allowance to noncurrent loans | 253.5656% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 4,530 |
| Noncurrent loans to loans | 0.4994% | 5,019 |
| Net loans and leases to total assets | 72.3407% | 1,519 |
| Net loans and leases to deposits | 103.6359% | 274 |
| Net loans and leases to core deposits | 125.7565% | 228 |
| Total domestic deposits to total assets | 69.8028% | 6,666 |
| Equity capital to assets | 8.4394% | 5,826 |
| Core capital (leverage) ratio | 8.4405% | 5,733 |
| Tier 1 risk-based capital ratio | 10.5742% | 6,482 |
| Total risk-based capital ratio | 14.5042% | 4,895 |
| Memoranda: | ||
| Average total assets | $661,620,000 | 1,011 |
| Average earning assets | $627,978,330 | 976 |
| Average equity | $58,399,670 | 1,237 |
| Average total loans | $475,069,330 | 890 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5193% | 2,100 |
| Cost of funding earning assets | 0.6242% | 2,886 |
| Net interest margin | 3.8951% | 2,134 |
| Noninterest income to average assets | 0.7362% | 2,397 |
| Noninterest expense to average assets | 3.0117% | 2,953 |
| Loan and lease loss provision to assets | 0.0728% | 3,414 |
| Net operating income to assets | 1.3408% | 1,174 |
| Return on assets (ROA) | 1.6849% | 663 |
| Pretax return on assets | 1.6849% | 1,114 |
| Return on Equity (ROE) | 18.6740% | 387 |
| Retained earnings to average equity (ytd only) | 5.7448% | 2,814 |
| Net charge-offs to loans | -0.1666% | 6,634 |
| Credit loss provision to net charge-offs | -61.5385% | 5,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0565% | 4,295 |
| Assets per employee ($millions) | 4.3917% | 3,167 |
| Cash dividends to net income (ytd only)* | 69.2363% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 4,955 |
| Loan loss allowance to noncurrent loans | 204.6273% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 4,477 |
| Noncurrent loans to loans | 0.6102% | 4,917 |
| Net loans and leases to total assets | 70.4857% | 1,582 |
| Net loans and leases to deposits | 96.1675% | 533 |
| Net loans and leases to core deposits | 116.3491% | 341 |
| Total domestic deposits to total assets | 73.2947% | 6,579 |
| Equity capital to assets | 9.1419% | 5,316 |
| Core capital (leverage) ratio | 8.6656% | 5,372 |
| Tier 1 risk-based capital ratio | 11.1481% | 6,341 |
| Total risk-based capital ratio | 15.1665% | 4,525 |
| Memoranda: | ||
| Average total assets | $659,030,000 | 1,028 |
| Average earning assets | $624,168,000 | 996 |
| Average equity | $59,462,500 | 1,234 |
| Average total loans | $468,326,500 | 905 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0182% | 1,509 |
| Cost of funding earning assets | 0.7703% | 2,912 |
| Net interest margin | 4.2479% | 1,523 |
| Noninterest income to average assets | 1.1199% | 1,239 |
| Noninterest expense to average assets | 3.0235% | 3,188 |
| Loan and lease loss provision to assets | 0.2407% | 2,724 |
| Net operating income to assets | 1.8788% | 445 |
| Return on assets (ROA) | 1.9878% | 397 |
| Pretax return on assets | 1.9878% | 620 |
| Return on Equity (ROE) | 21.4897% | 238 |
| Retained earnings to average equity (ytd only) | 8.4698% | 975 |
| Net charge-offs to loans | 0.2458% | 3,467 |
| Credit loss provision to net charge-offs | 135.3425% | 2,059 |
| Earnings coverage of net charge-offs (x) | 11.9160% | 1,986 |
| Efficiency ratio | 58.7853% | 5,729 |
| Assets per employee ($millions) | 4.4539% | 3,048 |
| Cash dividends to net income (ytd only)* | 60.5867% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 5,309 |
| Loan loss allowance to noncurrent loans | 168.3984% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 4,501 |
| Noncurrent loans to loans | 0.6881% | 4,819 |
| Net loans and leases to total assets | 69.9376% | 1,852 |
| Net loans and leases to deposits | 99.4204% | 435 |
| Net loans and leases to core deposits | 115.5310% | 373 |
| Total domestic deposits to total assets | 70.3453% | 6,773 |
| Equity capital to assets | 8.9068% | 5,627 |
| Core capital (leverage) ratio | 8.8085% | 5,168 |
| Tier 1 risk-based capital ratio | 10.8466% | 6,408 |
| Total risk-based capital ratio | 14.7543% | 4,703 |
| Memoranda: | ||
| Average total assets | $615,615,000 | 1,080 |
| Average earning assets | $583,041,200 | 1,041 |
| Average equity | $56,943,600 | 1,249 |
| Average total loans | $445,533,200 | 930 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0977% | 1,432 |
| Cost of funding earning assets | 0.8076% | 2,877 |
| Net interest margin | 4.2901% | 1,501 |
| Noninterest income to average assets | 1.1299% | 1,183 |
| Noninterest expense to average assets | 3.0733% | 2,966 |
| Loan and lease loss provision to assets | 0.1427% | 3,749 |
| Net operating income to assets | 1.9788% | 394 |
| Return on assets (ROA) | 2.1273% | 353 |
| Pretax return on assets | 2.1273% | 540 |
| Return on Equity (ROE) | 22.7642% | 201 |
| Retained earnings to average equity (ytd only) | 5.2074% | 3,216 |
| Net charge-offs to loans | 0.1753% | 3,710 |
| Credit loss provision to net charge-offs | 111.7851% | 2,619 |
| Earnings coverage of net charge-offs (x) | 16.6153% | 1,682 |
| Efficiency ratio | 59.1565% | 5,636 |
| Assets per employee ($millions) | 4.0774% | 3,725 |
| Cash dividends to net income (ytd only)* | 77.1248% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 5,527 |
| Loan loss allowance to noncurrent loans | 96.8281% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.1856% | 3,919 |
| Noncurrent loans to loans | 1.1858% | 4,079 |
| Net loans and leases to total assets | 72.6235% | 1,448 |
| Net loans and leases to deposits | 99.9181% | 442 |
| Net loans and leases to core deposits | 117.0337% | 366 |
| Total domestic deposits to total assets | 72.6830% | 6,700 |
| Equity capital to assets | 9.4005% | 5,334 |
| Core capital (leverage) ratio | 8.6621% | 5,535 |
| Tier 1 risk-based capital ratio | 10.8235% | 6,555 |
| Total risk-based capital ratio | 14.8519% | 4,775 |
| Memoranda: | ||
| Average total assets | $602,498,000 | 1,110 |
| Average earning assets | $570,884,500 | 1,062 |
| Average equity | $56,303,250 | 1,272 |
| Average total loans | $438,736,750 | 953 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 1,398 |
| Cost of funding earning assets | 0.8342% | 2,916 |
| Net interest margin | 4.3073% | 1,462 |
| Noninterest income to average assets | 1.1243% | 1,130 |
| Noninterest expense to average assets | 3.1191% | 2,861 |
| Loan and lease loss provision to assets | 0.1328% | 3,868 |
| Net operating income to assets | 1.9534% | 422 |
| Return on assets (ROA) | 2.1770% | 331 |
| Pretax return on assets | 2.1770% | 508 |
| Return on Equity (ROE) | 23.3426% | 195 |
| Retained earnings to average equity (ytd only) | 4.9225% | 3,323 |
| Net charge-offs to loans | 0.1282% | 3,901 |
| Credit loss provision to net charge-offs | 142.6523% | 1,946 |
| Earnings coverage of net charge-offs (x) | 22.4122% | 1,301 |
| Efficiency ratio | 59.9218% | 5,590 |
| Assets per employee ($millions) | 4.1540% | 3,557 |
| Cash dividends to net income (ytd only)* | 78.9119% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 5,543 |
| Loan loss allowance to noncurrent loans | 75.4198% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.3723% | 3,689 |
| Noncurrent loans to loans | 1.5324% | 3,605 |
| Net loans and leases to total assets | 72.9697% | 1,395 |
| Net loans and leases to deposits | 102.0689% | 339 |
| Net loans and leases to core deposits | 114.4154% | 432 |
| Total domestic deposits to total assets | 71.4906% | 6,830 |
| Equity capital to assets | 9.2362% | 5,422 |
| Core capital (leverage) ratio | 8.6753% | 5,410 |
| Tier 1 risk-based capital ratio | 10.6623% | 6,632 |
| Total risk-based capital ratio | 14.7038% | 4,819 |
| Memoranda: | ||
| Average total assets | $599,461,000 | 1,112 |
| Average earning assets | $567,962,330 | 1,068 |
| Average equity | $55,906,330 | 1,273 |
| Average total loans | $435,205,330 | 960 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1599% | 1,404 |
| Cost of funding earning assets | 0.8690% | 2,925 |
| Net interest margin | 4.2909% | 1,498 |
| Noninterest income to average assets | 1.1437% | 1,081 |
| Noninterest expense to average assets | 3.2021% | 2,590 |
| Loan and lease loss provision to assets | 0.1327% | 3,696 |
| Net operating income to assets | 1.8765% | 514 |
| Return on assets (ROA) | 2.1715% | 364 |
| Pretax return on assets | 2.1715% | 567 |
| Return on Equity (ROE) | 23.1694% | 240 |
| Retained earnings to average equity (ytd only) | 10.8373% | 1,079 |
| Net charge-offs to loans | 0.0459% | 4,060 |
| Credit loss provision to net charge-offs | 402.0408% | 782 |
| Earnings coverage of net charge-offs (x) | 60.8776% | 546 |
| Efficiency ratio | 61.4450% | 5,375 |
| Assets per employee ($millions) | 4.0156% | 3,969 |
| Cash dividends to net income (ytd only)* | 53.2258% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 5,424 |
| Loan loss allowance to noncurrent loans | 57.3195% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.7668% | 3,219 |
| Noncurrent loans to loans | 2.1180% | 3,011 |
| Net loans and leases to total assets | 71.2487% | 1,526 |
| Net loans and leases to deposits | 97.3683% | 464 |
| Net loans and leases to core deposits | 106.3575% | 661 |
| Total domestic deposits to total assets | 73.1744% | 6,816 |
| Equity capital to assets | 9.3671% | 5,007 |
| Core capital (leverage) ratio | 8.9374% | 4,931 |
| Tier 1 risk-based capital ratio | 10.9996% | 6,536 |
| Total risk-based capital ratio | 15.1644% | 4,500 |
| Memoranda: | ||
| Average total assets | $593,869,500 | 1,128 |
| Average earning assets | $562,954,000 | 1,087 |
| Average equity | $55,659,500 | 1,277 |
| Average total loans | $427,410,500 | 979 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4397% | 1,325 |
| Cost of funding earning assets | 1.0897% | 2,740 |
| Net interest margin | 4.3500% | 1,540 |
| Noninterest income to average assets | 0.9373% | 1,546 |
| Noninterest expense to average assets | 2.9429% | 3,802 |
| Loan and lease loss provision to assets | 0.3146% | 3,157 |
| Net operating income to assets | 1.7962% | 458 |
| Return on assets (ROA) | 1.8818% | 431 |
| Pretax return on assets | 1.8818% | 690 |
| Return on Equity (ROE) | 20.5515% | 244 |
| Retained earnings to average equity (ytd only) | 7.9635% | 1,093 |
| Net charge-offs to loans | 0.3602% | 3,604 |
| Credit loss provision to net charge-offs | 122.1317% | 2,592 |
| Earnings coverage of net charge-offs (x) | 8.1935% | 2,195 |
| Efficiency ratio | 58.2281% | 6,021 |
| Assets per employee ($millions) | 4.0649% | 3,723 |
| Cash dividends to net income (ytd only)* | 61.2510% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 5,374 |
| Loan loss allowance to noncurrent loans | 57.6622% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 1.8844% | 3,133 |
| Noncurrent loans to loans | 2.0858% | 3,085 |
| Net loans and leases to total assets | 70.9505% | 1,829 |
| Net loans and leases to deposits | 98.8113% | 511 |
| Net loans and leases to core deposits | 108.0170% | 702 |
| Total domestic deposits to total assets | 71.8041% | 6,881 |
| Equity capital to assets | 9.3777% | 5,050 |
| Core capital (leverage) ratio | 8.7202% | 5,217 |
| Tier 1 risk-based capital ratio | 11.0395% | 6,431 |
| Total risk-based capital ratio | 15.3111% | 4,233 |
| Memoranda: | ||
| Average total assets | $571,747,200 | 1,154 |
| Average earning assets | $541,055,800 | 1,103 |
| Average equity | $52,351,400 | 1,298 |
| Average total loans | $408,885,600 | 1,032 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4204% | 1,455 |
| Cost of funding earning assets | 1.1290% | 2,772 |
| Net interest margin | 4.2914% | 1,750 |
| Noninterest income to average assets | 0.8773% | 1,731 |
| Noninterest expense to average assets | 2.8648% | 4,084 |
| Loan and lease loss provision to assets | 0.2115% | 3,909 |
| Net operating income to assets | 1.8620% | 456 |
| Return on assets (ROA) | 1.9638% | 404 |
| Pretax return on assets | 1.9638% | 675 |
| Return on Equity (ROE) | 21.5824% | 235 |
| Retained earnings to average equity (ytd only) | 4.5613% | 3,472 |
| Net charge-offs to loans | 0.1849% | 4,319 |
| Credit loss provision to net charge-offs | 160.1423% | 1,920 |
| Earnings coverage of net charge-offs (x) | 15.6994% | 1,448 |
| Efficiency ratio | 58.0069% | 6,009 |
| Assets per employee ($millions) | 4.0127% | 3,816 |
| Cash dividends to net income (ytd only)* | 78.8655% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 5,286 |
| Loan loss allowance to noncurrent loans | 56.7631% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.8574% | 3,320 |
| Noncurrent loans to loans | 2.1897% | 3,124 |
| Net loans and leases to total assets | 70.6599% | 1,952 |
| Net loans and leases to deposits | 99.7832% | 481 |
| Net loans and leases to core deposits | 109.0171% | 723 |
| Total domestic deposits to total assets | 70.8135% | 6,994 |
| Equity capital to assets | 9.2727% | 5,422 |
| Core capital (leverage) ratio | 8.5073% | 5,703 |
| Tier 1 risk-based capital ratio | 10.6585% | 6,718 |
| Total risk-based capital ratio | 14.9929% | 4,503 |
| Memoranda: | ||
| Average total assets | $567,331,250 | 1,176 |
| Average earning assets | $536,873,000 | 1,124 |
| Average equity | $51,621,000 | 1,320 |
| Average total loans | $405,286,750 | 1,052 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3920% | 1,591 |
| Cost of funding earning assets | 1.1567% | 2,860 |
| Net interest margin | 4.2354% | 1,897 |
| Noninterest income to average assets | 0.9243% | 1,563 |
| Noninterest expense to average assets | 2.8112% | 4,381 |
| Loan and lease loss provision to assets | 0.2123% | 3,793 |
| Net operating income to assets | 1.9113% | 400 |
| Return on assets (ROA) | 1.9870% | 367 |
| Pretax return on assets | 1.9870% | 602 |
| Return on Equity (ROE) | 21.9801% | 237 |
| Retained earnings to average equity (ytd only) | 4.2434% | 3,497 |
| Net charge-offs to loans | 0.1844% | 4,056 |
| Credit loss provision to net charge-offs | 161.2903% | 1,878 |
| Earnings coverage of net charge-offs (x) | 16.1317% | 1,362 |
| Efficiency ratio | 56.9667% | 6,301 |
| Assets per employee ($millions) | 4.0915% | 3,568 |
| Cash dividends to net income (ytd only)* | 80.6946% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 5,389 |
| Loan loss allowance to noncurrent loans | 51.2523% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 2.0233% | 3,203 |
| Noncurrent loans to loans | 2.4101% | 2,980 |
| Net loans and leases to total assets | 70.7068% | 2,068 |
| Net loans and leases to deposits | 98.1415% | 586 |
| Net loans and leases to core deposits | 107.5930% | 832 |
| Total domestic deposits to total assets | 72.0458% | 7,002 |
| Equity capital to assets | 9.2809% | 5,169 |
| Core capital (leverage) ratio | 8.3980% | 5,714 |
| Tier 1 risk-based capital ratio | 10.8936% | 6,607 |
| Total risk-based capital ratio | 15.3636% | 4,056 |
| Memoranda: | ||
| Average total assets | $565,167,330 | 1,186 |
| Average earning assets | $535,162,000 | 1,137 |
| Average equity | $51,091,670 | 1,316 |
| Average total loans | $403,527,000 | 1,068 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3714% | 1,669 |
| Cost of funding earning assets | 1.1946% | 2,852 |
| Net interest margin | 4.1768% | 1,974 |
| Noninterest income to average assets | 0.8913% | 1,687 |
| Noninterest expense to average assets | 2.8374% | 4,304 |
| Loan and lease loss provision to assets | 0.2122% | 3,526 |
| Net operating income to assets | 1.7968% | 493 |
| Return on assets (ROA) | 1.9178% | 415 |
| Pretax return on assets | 1.9178% | 655 |
| Return on Equity (ROE) | 21.5003% | 268 |
| Retained earnings to average equity (ytd only) | 9.5248% | 1,231 |
| Net charge-offs to loans | 0.2282% | 3,172 |
| Credit loss provision to net charge-offs | 130.4348% | 2,120 |
| Earnings coverage of net charge-offs (x) | 12.3478% | 1,502 |
| Efficiency ratio | 58.5462% | 6,202 |
| Assets per employee ($millions) | 4.0884% | 3,666 |
| Cash dividends to net income (ytd only)* | 55.6990% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 5,531 |
| Loan loss allowance to noncurrent loans | 46.5755% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 2.0644% | 3,245 |
| Noncurrent loans to loans | 2.6185% | 2,883 |
| Net loans and leases to total assets | 68.9122% | 2,347 |
| Net loans and leases to deposits | 93.8966% | 840 |
| Net loans and leases to core deposits | 101.5678% | 1,228 |
| Total domestic deposits to total assets | 73.3917% | 6,968 |
| Equity capital to assets | 8.9849% | 5,222 |
| Core capital (leverage) ratio | 8.3379% | 5,735 |
| Tier 1 risk-based capital ratio | 11.2704% | 6,286 |
| Total risk-based capital ratio | 15.8459% | 3,638 |
| Memoranda: | ||
| Average total assets | $565,439,500 | 1,192 |
| Average earning assets | $535,429,000 | 1,143 |
| Average equity | $50,436,500 | 1,323 |
| Average total loans | $403,180,500 | 1,080 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5457% | 2,101 |
| Cost of funding earning assets | 1.4663% | 2,843 |
| Net interest margin | 4.0794% | 2,665 |
| Noninterest income to average assets | 0.8316% | 2,133 |
| Noninterest expense to average assets | 2.8748% | 4,334 |
| Loan and lease loss provision to assets | 0.2490% | 4,809 |
| Net operating income to assets | 1.5711% | 658 |
| Return on assets (ROA) | 1.6697% | 591 |
| Pretax return on assets | 1.6697% | 998 |
| Return on Equity (ROE) | 19.3616% | 290 |
| Retained earnings to average equity (ytd only) | 7.4106% | 1,174 |
| Net charge-offs to loans | 0.2432% | 4,829 |
| Credit loss provision to net charge-offs | 147.0961% | 2,492 |
| Earnings coverage of net charge-offs (x) | 10.7540% | 1,675 |
| Efficiency ratio | 60.8032% | 5,925 |
| Assets per employee ($millions) | 4.2621% | 3,278 |
| Cash dividends to net income (ytd only)* | 61.7254% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 5,679 |
| Loan loss allowance to noncurrent loans | 38.6268% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 2.2894% | 2,978 |
| Noncurrent loans to loans | 3.0095% | 2,542 |
| Net loans and leases to total assets | 72.0134% | 2,107 |
| Net loans and leases to deposits | 97.7039% | 742 |
| Net loans and leases to core deposits | 107.3156% | 1,099 |
| Total domestic deposits to total assets | 73.7058% | 6,925 |
| Equity capital to assets | 8.8542% | 5,348 |
| Core capital (leverage) ratio | 8.2458% | 5,757 |
| Tier 1 risk-based capital ratio | 10.8203% | 6,471 |
| Total risk-based capital ratio | 15.3101% | 3,802 |
| Memoranda: | ||
| Average total assets | $559,546,000 | 1,198 |
| Average earning assets | $529,905,200 | 1,155 |
| Average equity | $48,255,400 | 1,389 |
| Average total loans | $389,441,200 | 1,156 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4910% | 2,461 |
| Cost of funding earning assets | 1.5280% | 2,784 |
| Net interest margin | 3.9631% | 3,275 |
| Noninterest income to average assets | 0.8210% | 2,123 |
| Noninterest expense to average assets | 2.7934% | 4,515 |
| Loan and lease loss provision to assets | 0.2718% | 4,412 |
| Net operating income to assets | 1.5087% | 909 |
| Return on assets (ROA) | 1.6404% | 755 |
| Pretax return on assets | 1.6404% | 1,246 |
| Return on Equity (ROE) | 19.1502% | 382 |
| Retained earnings to average equity (ytd only) | 3.0863% | 4,275 |
| Net charge-offs to loans | 0.2859% | 4,228 |
| Credit loss provision to net charge-offs | 138.2282% | 2,888 |
| Earnings coverage of net charge-offs (x) | 9.0558% | 2,069 |
| Efficiency ratio | 60.5039% | 5,872 |
| Assets per employee ($millions) | 4.1272% | 3,600 |
| Cash dividends to net income (ytd only)* | 83.8836% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 5,578 |
| Loan loss allowance to noncurrent loans | 45.6417% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 1.9559% | 3,530 |
| Noncurrent loans to loans | 2.5909% | 3,033 |
| Net loans and leases to total assets | 70.0189% | 2,727 |
| Net loans and leases to deposits | 96.2376% | 957 |
| Net loans and leases to core deposits | 104.0915% | 1,477 |
| Total domestic deposits to total assets | 72.7564% | 7,055 |
| Equity capital to assets | 8.8204% | 5,823 |
| Core capital (leverage) ratio | 7.9046% | 6,458 |
| Tier 1 risk-based capital ratio | 10.7496% | 6,589 |
| Total risk-based capital ratio | 15.4299% | 3,672 |
| Memoranda: | ||
| Average total assets | $558,784,750 | 1,207 |
| Average earning assets | $529,138,750 | 1,167 |
| Average equity | $47,866,000 | 1,410 |
| Average total loans | $384,325,000 | 1,188 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3628% | 3,143 |
| Cost of funding earning assets | 1.5704% | 2,833 |
| Net interest margin | 3.7924% | 3,929 |
| Noninterest income to average assets | 0.6941% | 2,741 |
| Noninterest expense to average assets | 2.6881% | 4,960 |
| Loan and lease loss provision to assets | 0.3146% | 3,863 |
| Net operating income to assets | 1.2809% | 1,352 |
| Return on assets (ROA) | 1.4453% | 1,068 |
| Pretax return on assets | 1.4453% | 1,710 |
| Return on Equity (ROE) | 17.0391% | 563 |
| Retained earnings to average equity (ytd only) | -1.1480% | 6,004 |
| Net charge-offs to loans | 0.3022% | 3,802 |
| Credit loss provision to net charge-offs | 152.8596% | 2,570 |
| Earnings coverage of net charge-offs (x) | 7.7522% | 2,244 |
| Efficiency ratio | 61.9452% | 5,699 |
| Assets per employee ($millions) | 4.1502% | 3,488 |
| Cash dividends to net income (ytd only)* | 106.7374% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 5,450 |
| Loan loss allowance to noncurrent loans | 47.6652% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 1.8701% | 3,663 |
| Noncurrent loans to loans | 2.5213% | 3,133 |
| Net loans and leases to total assets | 68.3559% | 3,276 |
| Net loans and leases to deposits | 93.5378% | 1,335 |
| Net loans and leases to core deposits | 101.2634% | 1,897 |
| Total domestic deposits to total assets | 73.0784% | 7,091 |
| Equity capital to assets | 8.4425% | 6,238 |
| Core capital (leverage) ratio | 7.5818% | 6,752 |
| Tier 1 risk-based capital ratio | 10.5915% | 6,615 |
| Total risk-based capital ratio | 15.3531% | 3,622 |
| Memoranda: | ||
| Average total assets | $560,700,000 | 1,213 |
| Average earning assets | $530,692,330 | 1,161 |
| Average equity | $47,561,330 | 1,411 |
| Average total loans | $381,811,330 | 1,209 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3643% | 3,219 |
| Cost of funding earning assets | 1.6296% | 2,778 |
| Net interest margin | 3.7348% | 4,080 |
| Noninterest income to average assets | 0.6444% | 2,965 |
| Noninterest expense to average assets | 2.7610% | 4,645 |
| Loan and lease loss provision to assets | 0.4455% | 2,736 |
| Net operating income to assets | 0.9748% | 2,282 |
| Return on assets (ROA) | 1.3578% | 1,238 |
| Pretax return on assets | 1.3578% | 1,883 |
| Return on Equity (ROE) | 15.9694% | 724 |
| Retained earnings to average equity (ytd only) | 3.9192% | 3,785 |
| Net charge-offs to loans | 0.3471% | 3,021 |
| Credit loss provision to net charge-offs | 190.0000% | 1,939 |
| Earnings coverage of net charge-offs (x) | 6.0576% | 2,287 |
| Efficiency ratio | 65.2167% | 5,272 |
| Assets per employee ($millions) | 4.1868% | 3,483 |
| Cash dividends to net income (ytd only)* | 75.4579% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 5,482 |
| Loan loss allowance to noncurrent loans | 46.5182% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 1.8530% | 3,705 |
| Noncurrent loans to loans | 2.5860% | 3,086 |
| Net loans and leases to total assets | 67.5722% | 3,492 |
| Net loans and leases to deposits | 90.2402% | 1,869 |
| Net loans and leases to core deposits | 98.1039% | 2,332 |
| Total domestic deposits to total assets | 74.8804% | 6,921 |
| Equity capital to assets | 8.5871% | 5,887 |
| Core capital (leverage) ratio | 7.7039% | 6,620 |
| Tier 1 risk-based capital ratio | 10.7019% | 6,439 |
| Total risk-based capital ratio | 15.4332% | 3,519 |
| Memoranda: | ||
| Average total assets | $562,987,000 | 1,237 |
| Average earning assets | $533,152,500 | 1,188 |
| Average equity | $47,866,500 | 1,404 |
| Average total loans | $380,332,500 | 1,248 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0580% | 1,648 |
| Cost of funding earning assets | 2.1022% | 2,451 |
| Net interest margin | 3.9558% | 3,052 |
| Noninterest income to average assets | 0.7797% | 2,514 |
| Noninterest expense to average assets | 2.7709% | 5,085 |
| Loan and lease loss provision to assets | 0.2696% | 5,255 |
| Net operating income to assets | 1.4860% | 696 |
| Return on assets (ROA) | 1.5311% | 673 |
| Pretax return on assets | 1.5371% | 1,106 |
| Return on Equity (ROE) | 20.6969% | 209 |
| Retained earnings to average equity (ytd only) | 8.1633% | 658 |
| Net charge-offs to loans | 0.3669% | 4,384 |
| Credit loss provision to net charge-offs | 107.0373% | 5,180 |
| Earnings coverage of net charge-offs (x) | 6.9944% | 2,247 |
| Efficiency ratio | 60.3746% | 6,420 |
| Assets per employee ($millions) | 4.1848% | 3,465 |
| Cash dividends to net income (ytd only)* | 60.5580% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 5,660 |
| Loan loss allowance to noncurrent loans | 45.4154% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 1.7749% | 3,711 |
| Noncurrent loans to loans | 2.5229% | 3,027 |
| Net loans and leases to total assets | 65.9587% | 4,157 |
| Net loans and leases to deposits | 89.0173% | 2,386 |
| Net loans and leases to core deposits | 103.0235% | 3,685 |
| Total domestic deposits to total assets | 74.0965% | 7,000 |
| Equity capital to assets | 8.4180% | 6,033 |
| Core capital (leverage) ratio | 7.4150% | 6,870 |
| Tier 1 risk-based capital ratio | 10.5327% | 6,360 |
| Total risk-based capital ratio | 15.1722% | 3,505 |
| Memoranda: | ||
| Average total assets | $564,184,400 | 1,230 |
| Average earning assets | $535,240,200 | 1,185 |
| Average equity | $41,735,800 | 1,598 |
| Average total loans | $387,254,800 | 1,244 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1613% | 1,472 |
| Cost of funding earning assets | 2.1861% | 2,470 |
| Net interest margin | 3.9752% | 2,917 |
| Noninterest income to average assets | 0.7615% | 2,643 |
| Noninterest expense to average assets | 2.7600% | 5,064 |
| Loan and lease loss provision to assets | 0.2993% | 4,573 |
| Net operating income to assets | 1.4673% | 885 |
| Return on assets (ROA) | 1.4860% | 899 |
| Pretax return on assets | 1.4941% | 1,432 |
| Return on Equity (ROE) | 20.8069% | 271 |
| Retained earnings to average equity (ytd only) | 3.4921% | 3,338 |
| Net charge-offs to loans | 0.2278% | 4,632 |
| Credit loss provision to net charge-offs | 190.0901% | 2,391 |
| Earnings coverage of net charge-offs (x) | 11.2702% | 1,869 |
| Efficiency ratio | 60.1116% | 6,399 |
| Assets per employee ($millions) | 4.2849% | 3,231 |
| Cash dividends to net income (ytd only)* | 83.2167% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 4,887 |
| Loan loss allowance to noncurrent loans | 63.5836% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.3626% | 4,364 |
| Noncurrent loans to loans | 1.9549% | 3,700 |
| Net loans and leases to total assets | 66.1884% | 4,387 |
| Net loans and leases to deposits | 89.6461% | 2,639 |
| Net loans and leases to core deposits | 103.9588% | 3,942 |
| Total domestic deposits to total assets | 73.8330% | 6,980 |
| Equity capital to assets | 7.3913% | 7,379 |
| Core capital (leverage) ratio | 6.5180% | 7,667 |
| Tier 1 risk-based capital ratio | 8.9847% | 7,626 |
| Total risk-based capital ratio | 13.6443% | 4,579 |
| Memoranda: | ||
| Average total assets | $563,994,000 | 1,238 |
| Average earning assets | $535,307,000 | 1,197 |
| Average equity | $40,280,500 | 1,677 |
| Average total loans | $389,831,000 | 1,246 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1359% | 1,667 |
| Cost of funding earning assets | 2.2779% | 2,452 |
| Net interest margin | 3.8580% | 3,304 |
| Noninterest income to average assets | 0.8287% | 2,278 |
| Noninterest expense to average assets | 2.8117% | 4,913 |
| Loan and lease loss provision to assets | 0.1828% | 5,209 |
| Net operating income to assets | 1.4761% | 880 |
| Return on assets (ROA) | 1.4761% | 943 |
| Pretax return on assets | 1.4883% | 1,478 |
| Return on Equity (ROE) | 20.9199% | 287 |
| Retained earnings to average equity (ytd only) | 1.0341% | 4,749 |
| Net charge-offs to loans | 0.0768% | 5,437 |
| Credit loss provision to net charge-offs | 340.6667% | 1,361 |
| Earnings coverage of net charge-offs (x) | 31.1467% | 972 |
| Efficiency ratio | 61.9485% | 6,252 |
| Assets per employee ($millions) | 4.1884% | 3,317 |
| Cash dividends to net income (ytd only)* | 95.0569% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 5,077 |
| Loan loss allowance to noncurrent loans | 78.9791% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.1502% | 4,643 |
| Noncurrent loans to loans | 1.4940% | 4,257 |
| Net loans and leases to total assets | 67.3370% | 4,284 |
| Net loans and leases to deposits | 90.7752% | 2,700 |
| Net loans and leases to core deposits | 104.3118% | 4,031 |
| Total domestic deposits to total assets | 74.1799% | 6,927 |
| Equity capital to assets | 7.1340% | 7,530 |
| Core capital (leverage) ratio | 6.3436% | 7,846 |
| Tier 1 risk-based capital ratio | 8.7744% | 7,792 |
| Total risk-based capital ratio | 13.3804% | 4,726 |
| Memoranda: | ||
| Average total assets | $559,171,330 | 1,269 |
| Average earning assets | $529,601,000 | 1,225 |
| Average equity | $39,455,330 | 1,722 |
| Average total loans | $390,543,330 | 1,272 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2066% | 1,579 |
| Cost of funding earning assets | 2.3468% | 2,516 |
| Net interest margin | 3.8599% | 3,214 |
| Noninterest income to average assets | 0.6282% | 3,359 |
| Noninterest expense to average assets | 2.7779% | 4,665 |
| Loan and lease loss provision to assets | 0.1849% | 4,592 |
| Net operating income to assets | 1.2882% | 1,411 |
| Return on assets (ROA) | 1.2882% | 1,506 |
| Pretax return on assets | 1.3128% | 2,236 |
| Return on Equity (ROE) | 18.3612% | 567 |
| Retained earnings to average equity (ytd only) | 4.8991% | 3,191 |
| Net charge-offs to loans | 0.0286% | 5,126 |
| Credit loss provision to net charge-offs | 914.2857% | 674 |
| Earnings coverage of net charge-offs (x) | 74.0714% | 552 |
| Efficiency ratio | 64.1615% | 5,662 |
| Assets per employee ($millions) | 4.2161% | 3,234 |
| Cash dividends to net income (ytd only)* | 73.3184% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 5,156 |
| Loan loss allowance to noncurrent loans | 80.6054% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0195% | 4,659 |
| Noncurrent loans to loans | 1.4214% | 4,177 |
| Net loans and leases to total assets | 67.9146% | 4,160 |
| Net loans and leases to deposits | 91.8338% | 2,629 |
| Net loans and leases to core deposits | 104.8313% | 4,047 |
| Total domestic deposits to total assets | 73.9538% | 6,903 |
| Equity capital to assets | 7.0336% | 7,664 |
| Core capital (leverage) ratio | 6.5922% | 7,842 |
| Tier 1 risk-based capital ratio | 8.7313% | 7,899 |
| Total risk-based capital ratio | 13.2514% | 4,850 |
| Memoranda: | ||
| Average total assets | $553,945,500 | 1,281 |
| Average earning assets | $523,440,000 | 1,241 |
| Average equity | $38,864,500 | 1,746 |
| Average total loans | $391,741,500 | 1,274 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6123% | 2,427 |
| Cost of funding earning assets | 2.8188% | 2,633 |
| Net interest margin | 3.7936% | 4,052 |
| Noninterest income to average assets | 0.7468% | 2,802 |
| Noninterest expense to average assets | 2.7013% | 5,261 |
| Loan and lease loss provision to assets | 0.1195% | 5,835 |
| Net operating income to assets | 1.4793% | 1,065 |
| Return on assets (ROA) | 1.4928% | 997 |
| Pretax return on assets | 1.4928% | 1,707 |
| Return on Equity (ROE) | 22.1569% | 248 |
| Retained earnings to average equity (ytd only) | 8.2741% | 761 |
| Net charge-offs to loans | 0.1059% | 5,237 |
| Credit loss provision to net charge-offs | 147.3039% | 3,584 |
| Earnings coverage of net charge-offs (x) | 19.7034% | 1,611 |
| Efficiency ratio | 61.9213% | 5,964 |
| Assets per employee ($millions) | 4.0517% | 3,408 |
| Cash dividends to net income (ytd only)* | 62.6565% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 5,501 |
| Loan loss allowance to noncurrent loans | 83.8601% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9578% | 4,433 |
| Noncurrent loans to loans | 1.2726% | 3,963 |
| Net loans and leases to total assets | 72.0398% | 3,572 |
| Net loans and leases to deposits | 101.3965% | 1,659 |
| Net loans and leases to core deposits | 115.5799% | 3,164 |
| Total domestic deposits to total assets | 71.0476% | 7,154 |
| Equity capital to assets | 6.9975% | 7,744 |
| Core capital (leverage) ratio | 6.7415% | 7,843 |
| Tier 1 risk-based capital ratio | 8.5763% | 7,974 |
| Total risk-based capital ratio | 13.0296% | 4,908 |
| Memoranda: | ||
| Average total assets | $502,797,000 | 1,343 |
| Average earning assets | $470,952,600 | 1,315 |
| Average equity | $33,876,600 | 2,001 |
| Average total loans | $385,108,000 | 1,257 |