Home > The Citizens National Bank of Somerset > Performance and Condition Ratios
The Citizens National Bank of Somerset, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2150% | 3,597 |
| Cost of funding earning assets | 1.1836% | 2,845 |
| Net interest margin | 3.0314% | 3,220 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.3093% | 2,830 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3438% | 1,337 |
| Return on assets (ROA) | 1.3485% | 1,300 |
| Pretax return on assets | 1.3485% | 1,745 |
| Return on Equity (ROE) | 48.1200% | 58 |
| Retained earnings to average equity (ytd only) | 16.5261% | 243 |
| Net charge-offs to loans | 0.0106% | 2,253 |
| Credit loss provision to net charge-offs | 1,200.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 250.4286% | 495 |
| Efficiency ratio | 62.0661% | 2,825 |
| Assets per employee ($millions) | 5.3239% | 3,373 |
| Cash dividends to net income (ytd only)* | 65.6556% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 961 |
| Loan loss allowance to noncurrent loans | 374.8521% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 2,032 |
| Noncurrent loans to loans | 0.4107% | 1,758 |
| Net loans and leases to total assets | 51.5900% | 3,504 |
| Net loans and leases to deposits | 64.7512% | 3,250 |
| Net loans and leases to core deposits | 74.6192% | 3,045 |
| Total domestic deposits to total assets | 79.6800% | 3,514 |
| Equity capital to assets | 3.6441% | 4,518 |
| Core capital (leverage) ratio | 8.5615% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5897% | 1,162 |
| Memoranda: | ||
| Average total assets | $621,001,600 | 1,433 |
| Average earning assets | $602,391,600 | 1,372 |
| Average equity | $17,402,800 | 3,061 |
| Average total loans | $330,329,800 | 1,688 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1399% | 3,579 |
| Cost of funding earning assets | 1.0523% | 2,882 |
| Net interest margin | 3.0876% | 3,160 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 2.3128% | 2,748 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.3790% | 1,365 |
| Return on assets (ROA) | 1.3852% | 1,339 |
| Pretax return on assets | 1.3852% | 1,810 |
| Return on Equity (ROE) | 53.5100% | 65 |
| Retained earnings to average equity (ytd only) | 16.7429% | 406 |
| Net charge-offs to loans | 0.0065% | 2,205 |
| Credit loss provision to net charge-offs | 1,968.7500% | 239 |
| Earnings coverage of net charge-offs (x) | 419.9375% | 348 |
| Efficiency ratio | 61.5178% | 2,778 |
| Assets per employee ($millions) | 5.2518% | 3,387 |
| Cash dividends to net income (ytd only)* | 68.7082% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 1,047 |
| Loan loss allowance to noncurrent loans | 461.3889% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 2,369 |
| Noncurrent loans to loans | 0.3305% | 2,049 |
| Net loans and leases to total assets | 52.3800% | 3,470 |
| Net loans and leases to deposits | 62.8189% | 3,346 |
| Net loans and leases to core deposits | 71.7355% | 3,116 |
| Total domestic deposits to total assets | 83.3800% | 2,938 |
| Equity capital to assets | 1.9217% | 4,546 |
| Core capital (leverage) ratio | 8.8938% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9126% | 1,344 |
| Memoranda: | ||
| Average total assets | $619,197,500 | 1,437 |
| Average earning assets | $600,452,250 | 1,377 |
| Average equity | $16,030,250 | 3,169 |
| Average total loans | $330,617,000 | 1,677 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9884% | 3,710 |
| Cost of funding earning assets | 0.8406% | 3,097 |
| Net interest margin | 3.1478% | 3,110 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.3583% | 2,623 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.4015% | 1,327 |
| Return on assets (ROA) | 1.4108% | 1,286 |
| Pretax return on assets | 1.4108% | 1,788 |
| Return on Equity (ROE) | 50.2200% | 63 |
| Retained earnings to average equity (ytd only) | 20.6679% | 227 |
| Net charge-offs to loans | 0.0127% | 1,718 |
| Credit loss provision to net charge-offs | 1,000.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 217.1429% | 563 |
| Efficiency ratio | 61.6162% | 2,756 |
| Assets per employee ($millions) | 5.4366% | 3,201 |
| Cash dividends to net income (ytd only)* | 58.8491% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,309 |
| Loan loss allowance to noncurrent loans | 378.8491% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 2,200 |
| Noncurrent loans to loans | 0.3854% | 1,769 |
| Net loans and leases to total assets | 50.8300% | 3,499 |
| Net loans and leases to deposits | 64.9413% | 3,128 |
| Net loans and leases to core deposits | 74.0471% | 2,878 |
| Total domestic deposits to total assets | 78.2700% | 3,813 |
| Equity capital to assets | 2.7419% | 4,578 |
| Core capital (leverage) ratio | 9.1395% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8671% | 1,345 |
| Memoranda: | ||
| Average total assets | $620,774,667 | 1,429 |
| Average earning assets | $601,748,333 | 1,375 |
| Average equity | $17,437,667 | 3,068 |
| Average total loans | $331,882,667 | 1,662 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 3,509 |
| Cost of funding earning assets | 0.7542% | 2,888 |
| Net interest margin | 3.2147% | 3,082 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 2.3176% | 2,770 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.5054% | 1,179 |
| Return on assets (ROA) | 1.5245% | 1,112 |
| Pretax return on assets | 1.5245% | 1,615 |
| Return on Equity (ROE) | 53.5900% | 66 |
| Retained earnings to average equity (ytd only) | 24.6659% | 189 |
| Net charge-offs to loans | 0.0218% | 1,245 |
| Credit loss provision to net charge-offs | 583.3333% | 515 |
| Earnings coverage of net charge-offs (x) | 132.8889% | 654 |
| Efficiency ratio | 59.5468% | 3,008 |
| Assets per employee ($millions) | 5.3026% | 3,415 |
| Cash dividends to net income (ytd only)* | 53.9724% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,490 |
| Loan loss allowance to noncurrent loans | 275.2452% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 1,726 |
| Noncurrent loans to loans | 0.5206% | 1,418 |
| Net loans and leases to total assets | 54.2800% | 3,179 |
| Net loans and leases to deposits | 63.8732% | 3,099 |
| Net loans and leases to core deposits | 70.6032% | 2,912 |
| Total domestic deposits to total assets | 84.9900% | 2,866 |
| Equity capital to assets | 3.1115% | 4,596 |
| Core capital (leverage) ratio | 9.1231% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5443% | 1,253 |
| Memoranda: | ||
| Average total assets | $607,686,000 | 1,481 |
| Average earning assets | $588,667,500 | 1,424 |
| Average equity | $17,287,000 | 3,109 |
| Average total loans | $330,974,500 | 1,683 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5170% | 3,031 |
| Cost of funding earning assets | 0.2874% | 2,982 |
| Net interest margin | 3.2296% | 2,770 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.3393% | 2,619 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.5400% | 796 |
| Return on assets (ROA) | 1.5401% | 769 |
| Pretax return on assets | 1.5401% | 1,322 |
| Return on Equity (ROE) | 34.9400% | 74 |
| Retained earnings to average equity (ytd only) | 13.8762% | 405 |
| Net charge-offs to loans | 0.0171% | 1,771 |
| Credit loss provision to net charge-offs | 962.9630% | 447 |
| Earnings coverage of net charge-offs (x) | 183.7593% | 692 |
| Efficiency ratio | 59.0077% | 3,190 |
| Assets per employee ($millions) | 5.2211% | 3,496 |
| Cash dividends to net income (ytd only)* | 60.2829% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 1,428 |
| Loan loss allowance to noncurrent loans | 285.8974% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 1,814 |
| Noncurrent loans to loans | 0.4978% | 1,453 |
| Net loans and leases to total assets | 53.1000% | 3,276 |
| Net loans and leases to deposits | 61.6804% | 3,224 |
| Net loans and leases to core deposits | 67.0838% | 3,066 |
| Total domestic deposits to total assets | 86.0800% | 2,700 |
| Equity capital to assets | 2.5807% | 4,624 |
| Core capital (leverage) ratio | 8.2825% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1422% | 1,332 |
| Memoranda: | ||
| Average total assets | $610,601,800 | 1,457 |
| Average earning assets | $591,497,600 | 1,403 |
| Average equity | $26,916,600 | 2,487 |
| Average total loans | $315,334,200 | 1,657 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3823% | 2,965 |
| Cost of funding earning assets | 0.2148% | 3,092 |
| Net interest margin | 3.1675% | 2,721 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 2.2941% | 2,642 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.5180% | 815 |
| Return on assets (ROA) | 1.5228% | 780 |
| Pretax return on assets | 1.5228% | 1,349 |
| Return on Equity (ROE) | 31.3000% | 88 |
| Retained earnings to average equity (ytd only) | 9.5606% | 1,466 |
| Net charge-offs to loans | 0.0103% | 1,736 |
| Credit loss provision to net charge-offs | 1,729.1667% | 278 |
| Earnings coverage of net charge-offs (x) | 306.9167% | 465 |
| Efficiency ratio | 58.7824% | 3,291 |
| Assets per employee ($millions) | 5.1857% | 3,517 |
| Cash dividends to net income (ytd only)* | 69.4536% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 1,543 |
| Loan loss allowance to noncurrent loans | 280.8653% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 1,870 |
| Noncurrent loans to loans | 0.5058% | 1,536 |
| Net loans and leases to total assets | 52.7100% | 3,216 |
| Net loans and leases to deposits | 59.0623% | 3,276 |
| Net loans and leases to core deposits | 63.3494% | 3,167 |
| Total domestic deposits to total assets | 89.2500% | 1,982 |
| Equity capital to assets | 2.0207% | 4,659 |
| Core capital (leverage) ratio | 8.4729% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3492% | 1,325 |
| Memoranda: | ||
| Average total assets | $610,534,000 | 1,463 |
| Average earning assets | $591,529,500 | 1,414 |
| Average equity | $29,704,500 | 2,382 |
| Average total loans | $311,908,250 | 1,665 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2223% | 2,979 |
| Cost of funding earning assets | 0.1648% | 3,378 |
| Net interest margin | 3.0575% | 2,693 |
| Noninterest income to average assets | 0.8447% | 952 |
| Noninterest expense to average assets | 2.2609% | 2,668 |
| Loan and lease loss provision to assets | 0.0686% | 1,385 |
| Net operating income to assets | 1.4805% | 747 |
| Return on assets (ROA) | 1.4877% | 716 |
| Pretax return on assets | 1.4877% | 1,207 |
| Return on Equity (ROE) | 25.6255% | 99 |
| Retained earnings to average equity (ytd only) | 10.0509% | 1,003 |
| Net charge-offs to loans | 0.0058% | 1,789 |
| Credit loss provision to net charge-offs | 2,333.3333% | 221 |
| Earnings coverage of net charge-offs (x) | 526.5556% | 247 |
| Efficiency ratio | 59.3393% | 3,394 |
| Assets per employee ($millions) | 5.0073% | 3,673 |
| Cash dividends to net income (ytd only)* | 60.7779% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 1,718 |
| Loan loss allowance to noncurrent loans | 299.7965% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 2,110 |
| Noncurrent loans to loans | 0.4702% | 1,705 |
| Net loans and leases to total assets | 51.0128% | 3,261 |
| Net loans and leases to deposits | 57.5507% | 3,264 |
| Net loans and leases to core deposits | 60.9501% | 3,196 |
| Total domestic deposits to total assets | 88.6398% | 2,319 |
| Equity capital to assets | 3.4827% | 4,668 |
| Core capital (leverage) ratio | 8.4128% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1559% | 1,402 |
| Memoranda: | ||
| Average total assets | $611,803,333 | 1,472 |
| Average earning assets | $593,362,333 | 1,424 |
| Average equity | $35,519,333 | 2,181 |
| Average total loans | $307,738,667 | 1,679 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1039% | 2,975 |
| Cost of funding earning assets | 0.1467% | 3,539 |
| Net interest margin | 2.9572% | 2,645 |
| Noninterest income to average assets | 0.8621% | 907 |
| Noninterest expense to average assets | 2.2474% | 2,693 |
| Loan and lease loss provision to assets | 0.0683% | 1,201 |
| Net operating income to assets | 1.4191% | 759 |
| Return on assets (ROA) | 1.4334% | 735 |
| Pretax return on assets | 1.4334% | 1,169 |
| Return on Equity (ROE) | 20.6232% | 213 |
| Retained earnings to average equity (ytd only) | 8.9214% | 1,286 |
| Net charge-offs to loans | -0.0249% | 4,005 |
| Credit loss provision to net charge-offs | -552.6316% | 3,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1742% | 3,467 |
| Assets per employee ($millions) | 4.9863% | 3,767 |
| Cash dividends to net income (ytd only)* | 56.7408% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 1,860 |
| Loan loss allowance to noncurrent loans | 290.7569% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 2,182 |
| Noncurrent loans to loans | 0.4860% | 1,813 |
| Net loans and leases to total assets | 49.3803% | 3,235 |
| Net loans and leases to deposits | 57.0419% | 3,171 |
| Net loans and leases to core deposits | 60.3932% | 3,106 |
| Total domestic deposits to total assets | 86.5685% | 3,085 |
| Equity capital to assets | 5.7277% | 4,633 |
| Core capital (leverage) ratio | 8.2571% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7186% | 1,331 |
| Memoranda: | ||
| Average total assets | $614,761,500 | 1,470 |
| Average earning assets | $597,178,500 | 1,418 |
| Average equity | $42,728,500 | 1,958 |
| Average total loans | $304,858,500 | 1,685 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1717% | 3,534 |
| Cost of funding earning assets | 0.2458% | 2,979 |
| Net interest margin | 2.9259% | 3,383 |
| Noninterest income to average assets | 0.8933% | 1,221 |
| Noninterest expense to average assets | 2.5182% | 2,129 |
| Loan and lease loss provision to assets | 0.0705% | 1,673 |
| Net operating income to assets | 1.1333% | 2,165 |
| Return on assets (ROA) | 1.1451% | 2,180 |
| Pretax return on assets | 1.1451% | 2,830 |
| Return on Equity (ROE) | 13.3596% | 1,357 |
| Retained earnings to average equity (ytd only) | 3.4761% | 3,422 |
| Net charge-offs to loans | -0.0437% | 4,266 |
| Credit loss provision to net charge-offs | -333.3333% | 3,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6563% | 2,035 |
| Assets per employee ($millions) | 5.2667% | 3,502 |
| Cash dividends to net income (ytd only)* | 73.9806% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3943% | 1,939 |
| Loan loss allowance to noncurrent loans | 301.2857% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 2,346 |
| Noncurrent loans to loans | 0.4628% | 1,979 |
| Net loans and leases to total assets | 48.4091% | 3,466 |
| Net loans and leases to deposits | 58.1475% | 3,242 |
| Net loans and leases to core deposits | 61.8223% | 3,181 |
| Total domestic deposits to total assets | 83.2523% | 3,757 |
| Equity capital to assets | 8.1674% | 4,260 |
| Core capital (leverage) ratio | 7.8882% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4712% | 1,691 |
| Memoranda: | ||
| Average total assets | $595,421,600 | 1,460 |
| Average earning assets | $575,646,000 | 1,424 |
| Average equity | $51,034,600 | 1,734 |
| Average total loans | $288,066,600 | 1,751 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2200% | 3,569 |
| Cost of funding earning assets | 0.2701% | 2,897 |
| Net interest margin | 2.9500% | 3,438 |
| Noninterest income to average assets | 0.7299% | 1,733 |
| Noninterest expense to average assets | 2.2328% | 2,963 |
| Loan and lease loss provision to assets | 0.0712% | 1,604 |
| Net operating income to assets | 1.2711% | 1,917 |
| Return on assets (ROA) | 1.2869% | 1,921 |
| Pretax return on assets | 1.2869% | 2,654 |
| Return on Equity (ROE) | 14.8323% | 1,176 |
| Retained earnings to average equity (ytd only) | 3.1685% | 3,843 |
| Net charge-offs to loans | -0.0712% | 4,486 |
| Credit loss provision to net charge-offs | -207.2368% | 3,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4542% | 2,622 |
| Assets per employee ($millions) | 5.1133% | 3,586 |
| Cash dividends to net income (ytd only)* | 78.6379% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 2,075 |
| Loan loss allowance to noncurrent loans | 324.8038% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 2,131 |
| Noncurrent loans to loans | 0.4268% | 2,282 |
| Net loans and leases to total assets | 47.5772% | 3,666 |
| Net loans and leases to deposits | 58.0476% | 3,406 |
| Net loans and leases to core deposits | 62.3002% | 3,284 |
| Total domestic deposits to total assets | 81.9624% | 3,938 |
| Equity capital to assets | 8.3574% | 4,305 |
| Core capital (leverage) ratio | 8.0721% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $590,226,000 | 1,489 |
| Average earning assets | $569,254,750 | 1,447 |
| Average equity | $51,211,250 | 1,743 |
| Average total loans | $284,454,000 | 1,802 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3313% | 3,357 |
| Cost of funding earning assets | 0.2946% | 2,824 |
| Net interest margin | 3.0367% | 3,219 |
| Noninterest income to average assets | 0.8906% | 1,295 |
| Noninterest expense to average assets | 2.2785% | 2,828 |
| Loan and lease loss provision to assets | 0.0723% | 1,620 |
| Net operating income to assets | 1.4681% | 1,381 |
| Return on assets (ROA) | 1.4926% | 1,378 |
| Pretax return on assets | 1.4926% | 2,039 |
| Return on Equity (ROE) | 16.9809% | 783 |
| Retained earnings to average equity (ytd only) | 6.3277% | 2,682 |
| Net charge-offs to loans | -0.0922% | 4,603 |
| Credit loss provision to net charge-offs | -162.7907% | 3,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6627% | 3,058 |
| Assets per employee ($millions) | 4.7364% | 3,897 |
| Cash dividends to net income (ytd only)* | 62.7365% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 2,006 |
| Loan loss allowance to noncurrent loans | 310.3715% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 1,331 |
| Noncurrent loans to loans | 0.4488% | 2,328 |
| Net loans and leases to total assets | 46.8210% | 3,843 |
| Net loans and leases to deposits | 57.4787% | 3,601 |
| Net loans and leases to core deposits | 61.6851% | 3,495 |
| Total domestic deposits to total assets | 81.4580% | 4,020 |
| Equity capital to assets | 8.5579% | 4,158 |
| Core capital (leverage) ratio | 8.3704% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $580,732,667 | 1,502 |
| Average earning assets | $560,023,667 | 1,459 |
| Average equity | $51,045,667 | 1,742 |
| Average total loans | $279,771,667 | 1,836 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4189% | 3,140 |
| Cost of funding earning assets | 0.3026% | 2,964 |
| Net interest margin | 3.1163% | 2,939 |
| Noninterest income to average assets | 0.9233% | 1,271 |
| Noninterest expense to average assets | 2.3044% | 2,770 |
| Loan and lease loss provision to assets | 0.0739% | 1,701 |
| Net operating income to assets | 1.5480% | 1,221 |
| Return on assets (ROA) | 1.5980% | 1,179 |
| Pretax return on assets | 1.5980% | 1,732 |
| Return on Equity (ROE) | 17.9272% | 736 |
| Retained earnings to average equity (ytd only) | 1.7856% | 4,056 |
| Net charge-offs to loans | -0.1059% | 4,651 |
| Credit loss provision to net charge-offs | -143.8356% | 2,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6906% | 3,204 |
| Assets per employee ($millions) | 4.7123% | 3,918 |
| Cash dividends to net income (ytd only)* | 90.0397% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 1,993 |
| Loan loss allowance to noncurrent loans | 251.0763% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 1,375 |
| Noncurrent loans to loans | 0.5547% | 2,194 |
| Net loans and leases to total assets | 46.2641% | 3,941 |
| Net loans and leases to deposits | 57.3671% | 3,687 |
| Net loans and leases to core deposits | 62.0867% | 3,565 |
| Total domestic deposits to total assets | 80.6458% | 4,114 |
| Equity capital to assets | 8.3396% | 4,245 |
| Core capital (leverage) ratio | 8.6617% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $567,968,000 | 1,519 |
| Average earning assets | $547,315,000 | 1,478 |
| Average equity | $50,627,000 | 1,744 |
| Average total loans | $275,723,500 | 1,855 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 3,325 |
| Cost of funding earning assets | 0.4422% | 3,334 |
| Net interest margin | 3.3501% | 2,926 |
| Noninterest income to average assets | 0.9816% | 1,081 |
| Noninterest expense to average assets | 2.5814% | 2,613 |
| Loan and lease loss provision to assets | 0.1433% | 2,566 |
| Net operating income to assets | 1.4732% | 867 |
| Return on assets (ROA) | 1.4826% | 921 |
| Pretax return on assets | 1.4826% | 1,400 |
| Return on Equity (ROE) | 15.1205% | 626 |
| Retained earnings to average equity (ytd only) | 5.5890% | 1,999 |
| Net charge-offs to loans | 0.0678% | 1,816 |
| Credit loss provision to net charge-offs | 397.7901% | 1,440 |
| Earnings coverage of net charge-offs (x) | 44.8674% | 1,295 |
| Efficiency ratio | 61.4918% | 3,222 |
| Assets per employee ($millions) | 4.3405% | 4,078 |
| Cash dividends to net income (ytd only)* | 63.0371% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 2,253 |
| Loan loss allowance to noncurrent loans | 223.2968% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 1,379 |
| Noncurrent loans to loans | 0.5976% | 2,200 |
| Net loans and leases to total assets | 49.6278% | 3,849 |
| Net loans and leases to deposits | 60.9586% | 3,685 |
| Net loans and leases to core deposits | 66.2397% | 3,524 |
| Total domestic deposits to total assets | 81.4124% | 3,784 |
| Equity capital to assets | 9.5321% | 3,576 |
| Core capital (leverage) ratio | 8.6774% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $502,359,200 | 1,546 |
| Average earning assets | $482,312,200 | 1,502 |
| Average equity | $49,257,600 | 1,717 |
| Average total loans | $266,795,200 | 1,840 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9752% | 3,045 |
| Cost of funding earning assets | 0.4823% | 3,342 |
| Net interest margin | 3.4929% | 2,611 |
| Noninterest income to average assets | 1.0409% | 961 |
| Noninterest expense to average assets | 2.6686% | 2,345 |
| Loan and lease loss provision to assets | 0.1669% | 2,329 |
| Net operating income to assets | 1.5547% | 800 |
| Return on assets (ROA) | 1.5656% | 859 |
| Pretax return on assets | 1.5656% | 1,281 |
| Return on Equity (ROE) | 15.8438% | 564 |
| Retained earnings to average equity (ytd only) | 4.4884% | 2,808 |
| Net charge-offs to loans | 0.0755% | 1,554 |
| Credit loss provision to net charge-offs | 410.0000% | 1,442 |
| Earnings coverage of net charge-offs (x) | 42.2867% | 1,323 |
| Efficiency ratio | 60.7852% | 3,263 |
| Assets per employee ($millions) | 4.4044% | 3,952 |
| Cash dividends to net income (ytd only)* | 71.6713% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 2,234 |
| Loan loss allowance to noncurrent loans | 187.7349% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.9094% | 1,261 |
| Noncurrent loans to loans | 0.6832% | 2,084 |
| Net loans and leases to total assets | 49.8870% | 4,107 |
| Net loans and leases to deposits | 61.2923% | 3,972 |
| Net loans and leases to core deposits | 65.1808% | 3,944 |
| Total domestic deposits to total assets | 81.3920% | 3,568 |
| Equity capital to assets | 9.0971% | 4,037 |
| Core capital (leverage) ratio | 8.8379% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $491,223,750 | 1,559 |
| Average earning assets | $471,044,500 | 1,513 |
| Average equity | $48,539,250 | 1,734 |
| Average total loans | $264,722,500 | 1,841 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 2,388 |
| Cost of funding earning assets | 0.5397% | 3,294 |
| Net interest margin | 3.7937% | 1,853 |
| Noninterest income to average assets | 1.0086% | 970 |
| Noninterest expense to average assets | 2.7759% | 2,147 |
| Loan and lease loss provision to assets | 0.2170% | 1,922 |
| Net operating income to assets | 1.6443% | 685 |
| Return on assets (ROA) | 1.6613% | 724 |
| Pretax return on assets | 1.6613% | 1,073 |
| Return on Equity (ROE) | 16.3038% | 516 |
| Retained earnings to average equity (ytd only) | 6.8072% | 1,736 |
| Net charge-offs to loans | 0.0455% | 1,841 |
| Credit loss provision to net charge-offs | 864.4068% | 870 |
| Earnings coverage of net charge-offs (x) | 74.1356% | 848 |
| Efficiency ratio | 59.8605% | 3,425 |
| Assets per employee ($millions) | 4.0857% | 4,216 |
| Cash dividends to net income (ytd only)* | 58.2480% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 1,920 |
| Loan loss allowance to noncurrent loans | 181.2342% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 1.0345% | 1,145 |
| Noncurrent loans to loans | 0.7267% | 2,062 |
| Net loans and leases to total assets | 53.4197% | 3,924 |
| Net loans and leases to deposits | 66.4751% | 3,679 |
| Net loans and leases to core deposits | 71.2207% | 3,631 |
| Total domestic deposits to total assets | 80.3605% | 3,760 |
| Equity capital to assets | 10.0325% | 3,173 |
| Core capital (leverage) ratio | 9.5504% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $469,979,667 | 1,584 |
| Average earning assets | $449,532,667 | 1,543 |
| Average equity | $47,890,667 | 1,743 |
| Average total loans | $259,480,667 | 1,850 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1846% | 3,271 |
| Cost of funding earning assets | 0.6322% | 3,257 |
| Net interest margin | 3.5524% | 2,813 |
| Noninterest income to average assets | 0.9266% | 1,008 |
| Noninterest expense to average assets | 2.8900% | 2,151 |
| Loan and lease loss provision to assets | 0.0926% | 2,527 |
| Net operating income to assets | 1.3374% | 1,139 |
| Return on assets (ROA) | 1.3727% | 1,130 |
| Pretax return on assets | 1.3727% | 1,645 |
| Return on Equity (ROE) | 13.3569% | 811 |
| Retained earnings to average equity (ytd only) | 2.6336% | 3,214 |
| Net charge-offs to loans | -0.0032% | 3,738 |
| Credit loss provision to net charge-offs | -5,250.0000% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8980% | 2,836 |
| Assets per employee ($millions) | 3.7278% | 4,248 |
| Cash dividends to net income (ytd only)* | 80.2826% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 2,253 |
| Loan loss allowance to noncurrent loans | 166.3585% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 1.1156% | 1,158 |
| Noncurrent loans to loans | 0.7670% | 2,083 |
| Net loans and leases to total assets | 54.2145% | 3,968 |
| Net loans and leases to deposits | 68.4517% | 3,700 |
| Net loans and leases to core deposits | 73.6471% | 3,658 |
| Total domestic deposits to total assets | 79.2011% | 4,010 |
| Equity capital to assets | 10.4238% | 3,389 |
| Core capital (leverage) ratio | 10.0543% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $453,700,000 | 1,595 |
| Average earning assets | $433,402,500 | 1,540 |
| Average equity | $46,627,500 | 1,770 |
| Average total loans | $253,202,000 | 1,841 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 3,083 |
| Cost of funding earning assets | 0.6637% | 3,336 |
| Net interest margin | 3.7978% | 2,502 |
| Noninterest income to average assets | 1.0425% | 878 |
| Noninterest expense to average assets | 3.1081% | 1,735 |
| Loan and lease loss provision to assets | 0.1634% | 1,278 |
| Net operating income to assets | 1.3874% | 1,383 |
| Return on assets (ROA) | 1.4241% | 1,335 |
| Pretax return on assets | 1.4241% | 2,071 |
| Return on Equity (ROE) | 14.3198% | 838 |
| Retained earnings to average equity (ytd only) | 4.0924% | 2,926 |
| Net charge-offs to loans | 0.2166% | 942 |
| Credit loss provision to net charge-offs | 128.4658% | 1,986 |
| Earnings coverage of net charge-offs (x) | 12.1922% | 2,428 |
| Efficiency ratio | 66.7138% | 2,658 |
| Assets per employee ($millions) | 3.5329% | 4,449 |
| Cash dividends to net income (ytd only)* | 71.4215% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 2,229 |
| Loan loss allowance to noncurrent loans | 161.1940% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 1.1738% | 1,014 |
| Noncurrent loans to loans | 0.7693% | 1,978 |
| Net loans and leases to total assets | 56.0320% | 3,919 |
| Net loans and leases to deposits | 68.7024% | 3,758 |
| Net loans and leases to core deposits | 73.9412% | 3,728 |
| Total domestic deposits to total assets | 81.5576% | 3,628 |
| Equity capital to assets | 10.1249% | 3,809 |
| Core capital (leverage) ratio | 10.0223% | 3,493 |
| Tier 1 risk-based capital ratio | 17.4043% | 1,923 |
| Total risk-based capital ratio | 18.5965% | 1,893 |
| Memoranda: | ||
| Average total assets | $425,335,400 | 1,649 |
| Average earning assets | $405,028,800 | 1,606 |
| Average equity | $42,298,000 | 1,844 |
| Average total loans | $249,798,600 | 1,831 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 3,134 |
| Cost of funding earning assets | 0.6651% | 3,372 |
| Net interest margin | 3.8129% | 2,555 |
| Noninterest income to average assets | 1.0232% | 892 |
| Noninterest expense to average assets | 3.1437% | 1,596 |
| Loan and lease loss provision to assets | 0.1475% | 1,291 |
| Net operating income to assets | 1.3594% | 1,616 |
| Return on assets (ROA) | 1.4085% | 1,503 |
| Pretax return on assets | 1.4085% | 2,279 |
| Return on Equity (ROE) | 14.2320% | 939 |
| Retained earnings to average equity (ytd only) | 1.9837% | 4,277 |
| Net charge-offs to loans | 0.2007% | 867 |
| Credit loss provision to net charge-offs | 124.0000% | 1,898 |
| Earnings coverage of net charge-offs (x) | 12.6693% | 2,342 |
| Efficiency ratio | 67.5987% | 2,482 |
| Assets per employee ($millions) | 3.5067% | 4,494 |
| Cash dividends to net income (ytd only)* | 86.0616% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 2,359 |
| Loan loss allowance to noncurrent loans | 167.2846% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 1,058 |
| Noncurrent loans to loans | 0.7330% | 2,133 |
| Net loans and leases to total assets | 57.2970% | 3,942 |
| Net loans and leases to deposits | 71.1980% | 3,672 |
| Net loans and leases to core deposits | 76.9849% | 3,632 |
| Total domestic deposits to total assets | 80.4756% | 3,873 |
| Equity capital to assets | 10.0837% | 3,936 |
| Core capital (leverage) ratio | 10.5696% | 3,039 |
| Tier 1 risk-based capital ratio | 16.7496% | 2,169 |
| Total risk-based capital ratio | 17.9023% | 2,137 |
| Memoranda: | ||
| Average total assets | $420,382,000 | 1,677 |
| Average earning assets | $399,932,250 | 1,627 |
| Average equity | $41,604,750 | 1,870 |
| Average total loans | $249,108,750 | 1,844 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 3,125 |
| Cost of funding earning assets | 0.6550% | 3,382 |
| Net interest margin | 3.8099% | 2,553 |
| Noninterest income to average assets | 0.9882% | 888 |
| Noninterest expense to average assets | 3.1622% | 1,584 |
| Loan and lease loss provision to assets | 0.1008% | 1,860 |
| Net operating income to assets | 1.3457% | 1,598 |
| Return on assets (ROA) | 1.4090% | 1,466 |
| Pretax return on assets | 1.4090% | 2,176 |
| Return on Equity (ROE) | 14.3306% | 909 |
| Retained earnings to average equity (ytd only) | 4.1196% | 3,188 |
| Net charge-offs to loans | 0.2171% | 769 |
| Credit loss provision to net charge-offs | 77.7778% | 2,247 |
| Earnings coverage of net charge-offs (x) | 11.1630% | 2,220 |
| Efficiency ratio | 68.6140% | 2,429 |
| Assets per employee ($millions) | 3.4679% | 4,535 |
| Cash dividends to net income (ytd only)* | 71.2534% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 2,719 |
| Loan loss allowance to noncurrent loans | 175.7375% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 1.1851% | 1,128 |
| Noncurrent loans to loans | 0.6614% | 2,302 |
| Net loans and leases to total assets | 58.1877% | 3,897 |
| Net loans and leases to deposits | 71.1333% | 3,758 |
| Net loans and leases to core deposits | 77.0567% | 3,642 |
| Total domestic deposits to total assets | 81.8009% | 3,577 |
| Equity capital to assets | 10.1498% | 3,836 |
| Core capital (leverage) ratio | 10.5666% | 3,017 |
| Tier 1 risk-based capital ratio | 17.0964% | 2,057 |
| Total risk-based capital ratio | 18.2092% | 2,042 |
| Memoranda: | ||
| Average total assets | $416,735,670 | 1,700 |
| Average earning assets | $396,022,330 | 1,647 |
| Average equity | $40,975,330 | 1,896 |
| Average total loans | $248,744,330 | 1,854 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 3,124 |
| Cost of funding earning assets | 0.6245% | 3,436 |
| Net interest margin | 3.8033% | 2,513 |
| Noninterest income to average assets | 0.8042% | 1,292 |
| Noninterest expense to average assets | 3.0964% | 1,741 |
| Loan and lease loss provision to assets | 0.1020% | 1,725 |
| Net operating income to assets | 1.2199% | 1,988 |
| Return on assets (ROA) | 1.2199% | 2,036 |
| Pretax return on assets | 1.2199% | 2,733 |
| Return on Equity (ROE) | 12.6180% | 1,352 |
| Retained earnings to average equity (ytd only) | 0.0603% | 4,517 |
| Net charge-offs to loans | 0.1794% | 768 |
| Credit loss provision to net charge-offs | 94.5946% | 1,678 |
| Earnings coverage of net charge-offs (x) | 12.2613% | 1,878 |
| Efficiency ratio | 70.0813% | 2,325 |
| Assets per employee ($millions) | 3.4243% | 4,632 |
| Cash dividends to net income (ytd only)* | 99.5223% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 2,618 |
| Loan loss allowance to noncurrent loans | 147.7137% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 1.3012% | 1,005 |
| Noncurrent loans to loans | 0.8075% | 2,020 |
| Net loans and leases to total assets | 58.9306% | 3,791 |
| Net loans and leases to deposits | 72.0234% | 3,601 |
| Net loans and leases to core deposits | 78.0509% | 3,517 |
| Total domestic deposits to total assets | 81.8214% | 3,772 |
| Equity capital to assets | 9.7453% | 4,050 |
| Core capital (leverage) ratio | 10.7266% | 2,824 |
| Tier 1 risk-based capital ratio | 15.8518% | 2,509 |
| Total risk-based capital ratio | 16.9226% | 2,501 |
| Memoranda: | ||
| Average total assets | $411,829,000 | 1,731 |
| Average earning assets | $391,347,000 | 1,672 |
| Average equity | $39,816,000 | 1,930 |
| Average total loans | $247,557,500 | 1,871 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3954% | 2,777 |
| Cost of funding earning assets | 0.3893% | 4,050 |
| Net interest margin | 4.0060% | 1,969 |
| Noninterest income to average assets | 1.0264% | 893 |
| Noninterest expense to average assets | 3.2006% | 1,552 |
| Loan and lease loss provision to assets | 0.1452% | 1,474 |
| Net operating income to assets | 1.4772% | 1,180 |
| Return on assets (ROA) | 1.4772% | 1,174 |
| Pretax return on assets | 1.4772% | 1,854 |
| Return on Equity (ROE) | 15.0191% | 826 |
| Retained earnings to average equity (ytd only) | 3.1168% | 3,833 |
| Net charge-offs to loans | 0.3277% | 589 |
| Credit loss provision to net charge-offs | 70.3704% | 2,986 |
| Earnings coverage of net charge-offs (x) | 7.8605% | 2,949 |
| Efficiency ratio | 66.3602% | 2,809 |
| Assets per employee ($millions) | 3.3270% | 4,723 |
| Cash dividends to net income (ytd only)* | 79.2479% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,509 |
| Loan loss allowance to noncurrent loans | 298.7964% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 1.1496% | 1,153 |
| Noncurrent loans to loans | 0.4054% | 3,076 |
| Net loans and leases to total assets | 59.8612% | 3,793 |
| Net loans and leases to deposits | 72.5415% | 3,624 |
| Net loans and leases to core deposits | 78.6459% | 3,527 |
| Total domestic deposits to total assets | 82.5199% | 3,475 |
| Equity capital to assets | 9.5886% | 4,057 |
| Core capital (leverage) ratio | 10.8273% | 2,701 |
| Tier 1 risk-based capital ratio | 16.3153% | 2,302 |
| Total risk-based capital ratio | 17.4201% | 2,296 |
| Memoranda: | ||
| Average total assets | $392,428,800 | 1,752 |
| Average earning assets | $371,913,800 | 1,715 |
| Average equity | $38,597,400 | 1,914 |
| Average total loans | $247,182,800 | 1,836 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 2,730 |
| Cost of funding earning assets | 0.3461% | 4,208 |
| Net interest margin | 4.0235% | 1,883 |
| Noninterest income to average assets | 0.9489% | 1,063 |
| Noninterest expense to average assets | 3.1490% | 1,648 |
| Loan and lease loss provision to assets | 0.1594% | 1,213 |
| Net operating income to assets | 1.4493% | 1,326 |
| Return on assets (ROA) | 1.4493% | 1,331 |
| Pretax return on assets | 1.4493% | 2,063 |
| Return on Equity (ROE) | 14.6392% | 953 |
| Retained earnings to average equity (ytd only) | 0.1350% | 5,012 |
| Net charge-offs to loans | 0.3782% | 430 |
| Credit loss provision to net charge-offs | 66.2393% | 2,671 |
| Earnings coverage of net charge-offs (x) | 6.6866% | 2,864 |
| Efficiency ratio | 66.1889% | 2,837 |
| Assets per employee ($millions) | 3.0566% | 5,002 |
| Cash dividends to net income (ytd only)* | 99.0778% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,569 |
| Loan loss allowance to noncurrent loans | 226.1760% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 1.3474% | 1,001 |
| Noncurrent loans to loans | 0.5350% | 2,781 |
| Net loans and leases to total assets | 63.7036% | 3,463 |
| Net loans and leases to deposits | 75.0566% | 3,500 |
| Net loans and leases to core deposits | 81.0447% | 3,403 |
| Total domestic deposits to total assets | 84.8741% | 2,651 |
| Equity capital to assets | 9.7620% | 3,856 |
| Core capital (leverage) ratio | 11.2072% | 2,407 |
| Tier 1 risk-based capital ratio | 16.6685% | 2,215 |
| Total risk-based capital ratio | 17.8288% | 2,192 |
| Memoranda: | ||
| Average total assets | $389,061,750 | 1,771 |
| Average earning assets | $368,294,250 | 1,735 |
| Average equity | $38,516,750 | 1,927 |
| Average total loans | $247,490,000 | 1,844 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2817% | 2,831 |
| Cost of funding earning assets | 0.3261% | 4,231 |
| Net interest margin | 3.9556% | 2,017 |
| Noninterest income to average assets | 0.9581% | 1,032 |
| Noninterest expense to average assets | 3.0869% | 1,822 |
| Loan and lease loss provision to assets | 0.1073% | 1,828 |
| Net operating income to assets | 1.5141% | 1,122 |
| Return on assets (ROA) | 1.5141% | 1,121 |
| Pretax return on assets | 1.5141% | 1,765 |
| Return on Equity (ROE) | 15.2249% | 808 |
| Retained earnings to average equity (ytd only) | 2.6154% | 4,208 |
| Net charge-offs to loans | 0.4035% | 386 |
| Credit loss provision to net charge-offs | 42.0000% | 2,548 |
| Earnings coverage of net charge-offs (x) | 6.3460% | 2,640 |
| Efficiency ratio | 65.5633% | 3,051 |
| Assets per employee ($millions) | 3.1256% | 4,992 |
| Cash dividends to net income (ytd only)* | 82.8215% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,787 |
| Loan loss allowance to noncurrent loans | 232.5655% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 1.4262% | 956 |
| Noncurrent loans to loans | 0.5116% | 2,883 |
| Net loans and leases to total assets | 63.2526% | 3,483 |
| Net loans and leases to deposits | 75.5340% | 3,387 |
| Net loans and leases to core deposits | 79.4396% | 3,464 |
| Total domestic deposits to total assets | 83.7406% | 3,156 |
| Equity capital to assets | 9.9933% | 3,627 |
| Core capital (leverage) ratio | 11.1581% | 2,382 |
| Tier 1 risk-based capital ratio | 16.7225% | 2,189 |
| Total risk-based capital ratio | 17.8534% | 2,172 |
| Memoranda: | ||
| Average total assets | $391,391,000 | 1,762 |
| Average earning assets | $371,066,670 | 1,726 |
| Average equity | $38,923,000 | 1,906 |
| Average total loans | $247,861,330 | 1,849 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1777% | 2,957 |
| Cost of funding earning assets | 0.3088% | 4,279 |
| Net interest margin | 3.8688% | 2,161 |
| Noninterest income to average assets | 1.0120% | 891 |
| Noninterest expense to average assets | 3.0866% | 1,864 |
| Loan and lease loss provision to assets | 0.1064% | 1,755 |
| Net operating income to assets | 1.4993% | 1,080 |
| Return on assets (ROA) | 1.4993% | 1,081 |
| Pretax return on assets | 1.4993% | 1,681 |
| Return on Equity (ROE) | 15.1117% | 785 |
| Retained earnings to average equity (ytd only) | 2.3484% | 4,223 |
| Net charge-offs to loans | 0.3522% | 440 |
| Credit loss provision to net charge-offs | 47.9452% | 1,968 |
| Earnings coverage of net charge-offs (x) | 7.2374% | 2,105 |
| Efficiency ratio | 65.7815% | 3,210 |
| Assets per employee ($millions) | 3.1795% | 5,022 |
| Cash dividends to net income (ytd only)* | 84.4595% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 2,445 |
| Loan loss allowance to noncurrent loans | 199.3577% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 1.6920% | 758 |
| Noncurrent loans to loans | 0.6334% | 2,642 |
| Net loans and leases to total assets | 61.5640% | 3,603 |
| Net loans and leases to deposits | 73.5984% | 3,458 |
| Net loans and leases to core deposits | 77.5580% | 3,532 |
| Total domestic deposits to total assets | 83.6485% | 3,452 |
| Equity capital to assets | 9.7529% | 3,837 |
| Core capital (leverage) ratio | 10.9654% | 2,478 |
| Tier 1 risk-based capital ratio | 15.9209% | 2,516 |
| Total risk-based capital ratio | 17.0697% | 2,493 |
| Memoranda: | ||
| Average total assets | $394,862,000 | 1,763 |
| Average earning assets | $375,615,500 | 1,721 |
| Average equity | $39,175,000 | 1,905 |
| Average total loans | $248,741,000 | 1,858 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1507% | 2,881 |
| Cost of funding earning assets | 0.2423% | 4,628 |
| Net interest margin | 3.9085% | 2,066 |
| Noninterest income to average assets | 0.9321% | 1,180 |
| Noninterest expense to average assets | 3.1157% | 1,817 |
| Loan and lease loss provision to assets | 0.1357% | 1,692 |
| Net operating income to assets | 1.4163% | 980 |
| Return on assets (ROA) | 1.4290% | 969 |
| Pretax return on assets | 1.4290% | 1,891 |
| Return on Equity (ROE) | 14.1092% | 744 |
| Retained earnings to average equity (ytd only) | 2.5329% | 3,813 |
| Net charge-offs to loans | 0.2222% | 1,166 |
| Credit loss provision to net charge-offs | 96.3437% | 2,677 |
| Earnings coverage of net charge-offs (x) | 11.0165% | 2,611 |
| Efficiency ratio | 66.7494% | 3,125 |
| Assets per employee ($millions) | 3.1892% | 5,041 |
| Cash dividends to net income (ytd only)* | 82.0476% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 2,326 |
| Loan loss allowance to noncurrent loans | 47.0881% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 2.8417% | 299 |
| Noncurrent loans to loans | 2.7156% | 452 |
| Net loans and leases to total assets | 62.8219% | 3,507 |
| Net loans and leases to deposits | 76.3901% | 3,291 |
| Net loans and leases to core deposits | 80.9990% | 3,337 |
| Total domestic deposits to total assets | 82.2382% | 3,807 |
| Equity capital to assets | 10.0890% | 3,607 |
| Core capital (leverage) ratio | 10.7715% | 2,565 |
| Tier 1 risk-based capital ratio | 15.2831% | 2,707 |
| Total risk-based capital ratio | 16.4326% | 2,691 |
| Memoranda: | ||
| Average total assets | $388,255,200 | 1,760 |
| Average earning assets | $371,093,200 | 1,700 |
| Average equity | $39,321,800 | 1,884 |
| Average total loans | $246,142,600 | 1,841 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1179% | 2,924 |
| Cost of funding earning assets | 0.2347% | 4,708 |
| Net interest margin | 3.8832% | 2,095 |
| Noninterest income to average assets | 0.9598% | 1,120 |
| Noninterest expense to average assets | 3.1230% | 1,743 |
| Loan and lease loss provision to assets | 0.1359% | 1,587 |
| Net operating income to assets | 1.4107% | 1,063 |
| Return on assets (ROA) | 1.4273% | 1,055 |
| Pretax return on assets | 1.4273% | 2,026 |
| Return on Equity (ROE) | 14.0791% | 817 |
| Retained earnings to average equity (ytd only) | -0.1940% | 5,239 |
| Net charge-offs to loans | 0.1384% | 1,419 |
| Credit loss provision to net charge-offs | 155.1181% | 1,649 |
| Earnings coverage of net charge-offs (x) | 17.6495% | 2,092 |
| Efficiency ratio | 66.8785% | 3,064 |
| Assets per employee ($millions) | 3.2003% | 5,063 |
| Cash dividends to net income (ytd only)* | 101.3778% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 1,986 |
| Loan loss allowance to noncurrent loans | 113.6991% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.9386% | 687 |
| Noncurrent loans to loans | 1.2121% | 1,566 |
| Net loans and leases to total assets | 62.4231% | 3,606 |
| Net loans and leases to deposits | 74.6969% | 3,498 |
| Net loans and leases to core deposits | 79.2959% | 3,511 |
| Total domestic deposits to total assets | 83.5686% | 3,268 |
| Equity capital to assets | 10.2758% | 3,612 |
| Core capital (leverage) ratio | 10.8477% | 2,599 |
| Tier 1 risk-based capital ratio | 15.8848% | 2,553 |
| Total risk-based capital ratio | 17.1352% | 2,484 |
| Memoranda: | ||
| Average total assets | $386,453,750 | 1,776 |
| Average earning assets | $369,209,250 | 1,724 |
| Average equity | $39,177,750 | 1,908 |
| Average total loans | $244,764,750 | 1,855 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 2,891 |
| Cost of funding earning assets | 0.2293% | 4,725 |
| Net interest margin | 3.8510% | 2,091 |
| Noninterest income to average assets | 0.9923% | 1,033 |
| Noninterest expense to average assets | 3.1337% | 1,755 |
| Loan and lease loss provision to assets | 0.1336% | 1,557 |
| Net operating income to assets | 1.4040% | 1,060 |
| Return on assets (ROA) | 1.4123% | 1,062 |
| Pretax return on assets | 1.4123% | 1,968 |
| Return on Equity (ROE) | 13.9943% | 813 |
| Retained earnings to average equity (ytd only) | 1.8680% | 4,500 |
| Net charge-offs to loans | 0.1120% | 1,512 |
| Credit loss provision to net charge-offs | 188.3212% | 1,329 |
| Earnings coverage of net charge-offs (x) | 21.6715% | 1,741 |
| Efficiency ratio | 67.0843% | 3,171 |
| Assets per employee ($millions) | 3.1700% | 5,129 |
| Cash dividends to net income (ytd only)* | 86.6520% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 2,094 |
| Loan loss allowance to noncurrent loans | 159.2698% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.6696% | 877 |
| Noncurrent loans to loans | 0.8574% | 2,267 |
| Net loans and leases to total assets | 62.2247% | 3,606 |
| Net loans and leases to deposits | 76.3380% | 3,304 |
| Net loans and leases to core deposits | 80.4511% | 3,384 |
| Total domestic deposits to total assets | 81.5120% | 4,040 |
| Equity capital to assets | 10.3277% | 3,540 |
| Core capital (leverage) ratio | 11.0484% | 2,361 |
| Tier 1 risk-based capital ratio | 16.2204% | 2,423 |
| Total risk-based capital ratio | 17.4710% | 2,361 |
| Memoranda: | ||
| Average total assets | $386,191,330 | 1,776 |
| Average earning assets | $368,945,670 | 1,726 |
| Average equity | $38,973,000 | 1,915 |
| Average total loans | $244,651,000 | 1,856 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0392% | 2,906 |
| Cost of funding earning assets | 0.2232% | 4,772 |
| Net interest margin | 3.8160% | 2,063 |
| Noninterest income to average assets | 0.8951% | 1,261 |
| Noninterest expense to average assets | 3.0744% | 1,936 |
| Loan and lease loss provision to assets | 0.1343% | 1,424 |
| Net operating income to assets | 1.3343% | 1,156 |
| Return on assets (ROA) | 1.3395% | 1,173 |
| Pretax return on assets | 1.3395% | 2,100 |
| Return on Equity (ROE) | 13.4325% | 917 |
| Retained earnings to average equity (ytd only) | 0.3862% | 4,831 |
| Net charge-offs to loans | 0.0033% | 2,858 |
| Credit loss provision to net charge-offs | 6,450.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 705.5000% | 70 |
| Efficiency ratio | 67.6747% | 3,255 |
| Assets per employee ($millions) | 3.1726% | 5,196 |
| Cash dividends to net income (ytd only)* | 97.1251% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 2,131 |
| Loan loss allowance to noncurrent loans | 134.9238% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.8177% | 774 |
| Noncurrent loans to loans | 1.0273% | 2,003 |
| Net loans and leases to total assets | 62.8859% | 3,413 |
| Net loans and leases to deposits | 75.9856% | 3,195 |
| Net loans and leases to core deposits | 80.0372% | 3,293 |
| Total domestic deposits to total assets | 82.7604% | 3,925 |
| Equity capital to assets | 10.2028% | 3,506 |
| Core capital (leverage) ratio | 10.8672% | 2,522 |
| Tier 1 risk-based capital ratio | 16.9677% | 2,189 |
| Total risk-based capital ratio | 18.2192% | 2,144 |
| Memoranda: | ||
| Average total assets | $384,330,500 | 1,798 |
| Average earning assets | $367,404,000 | 1,747 |
| Average equity | $38,325,000 | 1,946 |
| Average total loans | $243,986,000 | 1,872 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 3,343 |
| Cost of funding earning assets | 0.1973% | 5,038 |
| Net interest margin | 3.7627% | 2,459 |
| Noninterest income to average assets | 0.9696% | 1,212 |
| Noninterest expense to average assets | 3.0829% | 2,088 |
| Loan and lease loss provision to assets | 0.2241% | 973 |
| Net operating income to assets | 1.2497% | 1,359 |
| Return on assets (ROA) | 1.3110% | 1,250 |
| Pretax return on assets | 1.3110% | 2,244 |
| Return on Equity (ROE) | 12.7090% | 1,068 |
| Retained earnings to average equity (ytd only) | 2.7232% | 3,967 |
| Net charge-offs to loans | 0.4111% | 642 |
| Credit loss provision to net charge-offs | 90.2413% | 2,790 |
| Earnings coverage of net charge-offs (x) | 5.9349% | 3,253 |
| Efficiency ratio | 67.6560% | 3,314 |
| Assets per employee ($millions) | 3.1541% | 5,211 |
| Cash dividends to net income (ytd only)* | 78.5728% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 2,426 |
| Loan loss allowance to noncurrent loans | 99.4777% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.9126% | 743 |
| Noncurrent loans to loans | 1.3275% | 1,551 |
| Net loans and leases to total assets | 62.3677% | 3,564 |
| Net loans and leases to deposits | 75.9130% | 3,324 |
| Net loans and leases to core deposits | 80.3563% | 3,365 |
| Total domestic deposits to total assets | 82.1568% | 4,028 |
| Equity capital to assets | 9.8768% | 3,846 |
| Core capital (leverage) ratio | 10.8028% | 2,530 |
| Tier 1 risk-based capital ratio | 18.1652% | 1,813 |
| Total risk-based capital ratio | 19.4170% | 1,771 |
| Memoranda: | ||
| Average total assets | $383,761,800 | 1,748 |
| Average earning assets | $365,854,800 | 1,699 |
| Average equity | $39,586,000 | 1,861 |
| Average total loans | $231,804,800 | 1,892 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 3,481 |
| Cost of funding earning assets | 0.1961% | 5,114 |
| Net interest margin | 3.7380% | 2,560 |
| Noninterest income to average assets | 0.9925% | 1,159 |
| Noninterest expense to average assets | 3.0535% | 2,150 |
| Loan and lease loss provision to assets | 0.2557% | 732 |
| Net operating income to assets | 1.2427% | 1,482 |
| Return on assets (ROA) | 1.3245% | 1,310 |
| Pretax return on assets | 1.3245% | 2,333 |
| Return on Equity (ROE) | 12.7038% | 1,124 |
| Retained earnings to average equity (ytd only) | -0.5012% | 5,437 |
| Net charge-offs to loans | 0.5072% | 424 |
| Credit loss provision to net charge-offs | 84.4649% | 2,611 |
| Earnings coverage of net charge-offs (x) | 4.9494% | 3,196 |
| Efficiency ratio | 67.0825% | 3,409 |
| Assets per employee ($millions) | 3.1196% | 5,269 |
| Cash dividends to net income (ytd only)* | 103.9452% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 2,504 |
| Loan loss allowance to noncurrent loans | 157.8272% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 1.6773% | 1,021 |
| Noncurrent loans to loans | 0.8469% | 2,563 |
| Net loans and leases to total assets | 61.4795% | 3,692 |
| Net loans and leases to deposits | 74.0014% | 3,599 |
| Net loans and leases to core deposits | 78.3049% | 3,632 |
| Total domestic deposits to total assets | 83.0788% | 3,556 |
| Equity capital to assets | 10.4640% | 3,604 |
| Core capital (leverage) ratio | 10.7013% | 2,787 |
| Tier 1 risk-based capital ratio | 18.2491% | 1,849 |
| Total risk-based capital ratio | 19.5012% | 1,823 |
| Memoranda: | ||
| Average total assets | $382,714,500 | 1,748 |
| Average earning assets | $364,430,750 | 1,709 |
| Average equity | $39,903,250 | 1,862 |
| Average total loans | $228,457,500 | 1,919 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 3,583 |
| Cost of funding earning assets | 0.1987% | 5,161 |
| Net interest margin | 3.7092% | 2,658 |
| Noninterest income to average assets | 0.9069% | 1,357 |
| Noninterest expense to average assets | 2.9996% | 2,350 |
| Loan and lease loss provision to assets | 0.2317% | 874 |
| Net operating income to assets | 1.2004% | 1,595 |
| Return on assets (ROA) | 1.2673% | 1,482 |
| Pretax return on assets | 1.2673% | 2,530 |
| Return on Equity (ROE) | 12.1697% | 1,252 |
| Retained earnings to average equity (ytd only) | 0.5776% | 5,134 |
| Net charge-offs to loans | 0.5104% | 426 |
| Credit loss provision to net charge-offs | 77.1777% | 2,393 |
| Earnings coverage of net charge-offs (x) | 4.7700% | 2,944 |
| Efficiency ratio | 67.6856% | 3,408 |
| Assets per employee ($millions) | 3.1467% | 5,272 |
| Cash dividends to net income (ytd only)* | 95.2538% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 2,315 |
| Loan loss allowance to noncurrent loans | 114.5311% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.8718% | 906 |
| Noncurrent loans to loans | 1.2186% | 1,881 |
| Net loans and leases to total assets | 59.8733% | 3,897 |
| Net loans and leases to deposits | 72.0904% | 3,777 |
| Net loans and leases to core deposits | 76.2285% | 3,801 |
| Total domestic deposits to total assets | 83.0531% | 3,631 |
| Equity capital to assets | 10.8048% | 3,280 |
| Core capital (leverage) ratio | 10.7135% | 2,731 |
| Tier 1 risk-based capital ratio | 18.9058% | 1,710 |
| Total risk-based capital ratio | 20.1585% | 1,680 |
| Memoranda: | ||
| Average total assets | $382,381,000 | 1,751 |
| Average earning assets | $363,367,000 | 1,715 |
| Average equity | $39,820,330 | 1,863 |
| Average total loans | $224,909,330 | 1,953 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8667% | 3,705 |
| Cost of funding earning assets | 0.1996% | 5,209 |
| Net interest margin | 3.6671% | 2,820 |
| Noninterest income to average assets | 0.9741% | 1,139 |
| Noninterest expense to average assets | 2.9400% | 2,572 |
| Loan and lease loss provision to assets | 0.1144% | 1,831 |
| Net operating income to assets | 1.3962% | 1,041 |
| Return on assets (ROA) | 1.4222% | 1,050 |
| Pretax return on assets | 1.4222% | 1,835 |
| Return on Equity (ROE) | 13.9129% | 855 |
| Retained earnings to average equity (ytd only) | 1.2001% | 4,769 |
| Net charge-offs to loans | 0.2065% | 973 |
| Credit loss provision to net charge-offs | 95.6522% | 1,712 |
| Earnings coverage of net charge-offs (x) | 12.6348% | 1,780 |
| Efficiency ratio | 66.0593% | 3,792 |
| Assets per employee ($millions) | 3.2078% | 5,274 |
| Cash dividends to net income (ytd only)* | 91.3743% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 2,028 |
| Loan loss allowance to noncurrent loans | 98.2280% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 2.1487% | 780 |
| Noncurrent loans to loans | 1.5179% | 1,544 |
| Net loans and leases to total assets | 56.6139% | 4,182 |
| Net loans and leases to deposits | 68.9890% | 3,956 |
| Net loans and leases to core deposits | 73.0080% | 3,977 |
| Total domestic deposits to total assets | 82.0621% | 4,204 |
| Equity capital to assets | 10.2669% | 3,779 |
| Core capital (leverage) ratio | 10.7715% | 2,649 |
| Tier 1 risk-based capital ratio | 19.5053% | 1,612 |
| Total risk-based capital ratio | 20.7594% | 1,577 |
| Memoranda: | ||
| Average total assets | $384,767,000 | 1,740 |
| Average earning assets | $364,758,000 | 1,704 |
| Average equity | $39,330,500 | 1,878 |
| Average total loans | $222,720,500 | 1,965 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9326% | 3,590 |
| Cost of funding earning assets | 0.2012% | 5,278 |
| Net interest margin | 3.7314% | 2,637 |
| Noninterest income to average assets | 0.9897% | 1,205 |
| Noninterest expense to average assets | 3.0970% | 2,247 |
| Loan and lease loss provision to assets | 0.1137% | 2,106 |
| Net operating income to assets | 1.2870% | 1,299 |
| Return on assets (ROA) | 1.3074% | 1,301 |
| Pretax return on assets | 1.3074% | 2,250 |
| Return on Equity (ROE) | 12.2918% | 1,231 |
| Retained earnings to average equity (ytd only) | 1.3873% | 4,934 |
| Net charge-offs to loans | 0.2608% | 1,159 |
| Credit loss provision to net charge-offs | 76.7658% | 3,010 |
| Earnings coverage of net charge-offs (x) | 9.4572% | 2,818 |
| Efficiency ratio | 68.8579% | 3,429 |
| Assets per employee ($millions) | 3.2050% | 5,290 |
| Cash dividends to net income (ytd only)* | 88.7134% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 2,019 |
| Loan loss allowance to noncurrent loans | 80.9281% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 2.2698% | 733 |
| Noncurrent loans to loans | 1.8509% | 1,163 |
| Net loans and leases to total assets | 57.4322% | 4,154 |
| Net loans and leases to deposits | 69.3681% | 3,987 |
| Net loans and leases to core deposits | 73.3817% | 4,009 |
| Total domestic deposits to total assets | 82.7934% | 3,908 |
| Equity capital to assets | 10.1761% | 3,776 |
| Core capital (leverage) ratio | 10.8036% | 2,602 |
| Tier 1 risk-based capital ratio | 19.4475% | 1,599 |
| Total risk-based capital ratio | 20.7014% | 1,563 |
| Memoranda: | ||
| Average total assets | $363,249,200 | 1,801 |
| Average earning assets | $341,502,800 | 1,778 |
| Average equity | $38,635,600 | 1,860 |
| Average total loans | $206,319,600 | 2,014 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9349% | 3,607 |
| Cost of funding earning assets | 0.2016% | 5,360 |
| Net interest margin | 3.7334% | 2,634 |
| Noninterest income to average assets | 0.9694% | 1,263 |
| Noninterest expense to average assets | 3.0497% | 2,365 |
| Loan and lease loss provision to assets | 0.1145% | 1,972 |
| Net operating income to assets | 1.3095% | 1,316 |
| Return on assets (ROA) | 1.3370% | 1,298 |
| Pretax return on assets | 1.3370% | 2,259 |
| Return on Equity (ROE) | 12.4272% | 1,262 |
| Retained earnings to average equity (ytd only) | -0.4111% | 5,678 |
| Net charge-offs to loans | 0.2860% | 929 |
| Credit loss provision to net charge-offs | 70.9677% | 2,748 |
| Earnings coverage of net charge-offs (x) | 8.8272% | 2,760 |
| Efficiency ratio | 68.1705% | 3,507 |
| Assets per employee ($millions) | 2.9986% | 5,545 |
| Cash dividends to net income (ytd only)* | 103.3083% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 1,964 |
| Loan loss allowance to noncurrent loans | 88.0952% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 2.3245% | 782 |
| Noncurrent loans to loans | 1.7598% | 1,354 |
| Net loans and leases to total assets | 58.2840% | 4,105 |
| Net loans and leases to deposits | 69.8121% | 4,006 |
| Net loans and leases to core deposits | 73.9687% | 4,019 |
| Total domestic deposits to total assets | 83.4870% | 3,615 |
| Equity capital to assets | 10.6901% | 3,371 |
| Core capital (leverage) ratio | 11.1513% | 2,350 |
| Tier 1 risk-based capital ratio | 19.8695% | 1,585 |
| Total risk-based capital ratio | 21.1243% | 1,541 |
| Memoranda: | ||
| Average total assets | $358,713,000 | 1,842 |
| Average earning assets | $336,702,500 | 1,817 |
| Average equity | $38,591,750 | 1,880 |
| Average total loans | $202,306,000 | 2,069 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8876% | 3,740 |
| Cost of funding earning assets | 0.2044% | 5,397 |
| Net interest margin | 3.6831% | 2,784 |
| Noninterest income to average assets | 0.9336% | 1,346 |
| Noninterest expense to average assets | 3.0335% | 2,451 |
| Loan and lease loss provision to assets | 0.1097% | 2,001 |
| Net operating income to assets | 1.2392% | 1,493 |
| Return on assets (ROA) | 1.2783% | 1,447 |
| Pretax return on assets | 1.2783% | 2,443 |
| Return on Equity (ROE) | 11.8567% | 1,416 |
| Retained earnings to average equity (ytd only) | 1.7235% | 4,834 |
| Net charge-offs to loans | 0.2342% | 1,109 |
| Credit loss provision to net charge-offs | 84.4828% | 2,279 |
| Earnings coverage of net charge-offs (x) | 10.3879% | 2,365 |
| Efficiency ratio | 69.2209% | 3,456 |
| Assets per employee ($millions) | 2.9558% | 5,648 |
| Cash dividends to net income (ytd only)* | 85.4641% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 1,666 |
| Loan loss allowance to noncurrent loans | 76.4930% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 2.4213% | 799 |
| Noncurrent loans to loans | 2.1940% | 1,092 |
| Net loans and leases to total assets | 56.0207% | 4,333 |
| Net loans and leases to deposits | 67.6441% | 4,164 |
| Net loans and leases to core deposits | 71.6661% | 4,168 |
| Total domestic deposits to total assets | 82.8168% | 4,021 |
| Equity capital to assets | 10.7194% | 3,198 |
| Core capital (leverage) ratio | 11.2994% | 2,162 |
| Tier 1 risk-based capital ratio | 20.3650% | 1,471 |
| Total risk-based capital ratio | 21.6206% | 1,446 |
| Memoranda: | ||
| Average total assets | $357,340,670 | 1,861 |
| Average earning assets | $334,605,000 | 1,845 |
| Average equity | $38,526,670 | 1,892 |
| Average total loans | $198,140,670 | 2,100 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8324% | 3,883 |
| Cost of funding earning assets | 0.2064% | 5,454 |
| Net interest margin | 3.6260% | 2,905 |
| Noninterest income to average assets | 0.9687% | 1,191 |
| Noninterest expense to average assets | 2.9979% | 2,591 |
| Loan and lease loss provision to assets | 0.1097% | 1,877 |
| Net operating income to assets | 1.2453% | 1,418 |
| Return on assets (ROA) | 1.3114% | 1,321 |
| Pretax return on assets | 1.3114% | 2,234 |
| Return on Equity (ROE) | 12.1281% | 1,310 |
| Retained earnings to average equity (ytd only) | 0.4764% | 5,229 |
| Net charge-offs to loans | 0.3092% | 767 |
| Credit loss provision to net charge-offs | 64.9007% | 1,957 |
| Earnings coverage of net charge-offs (x) | 8.0132% | 2,119 |
| Efficiency ratio | 68.8706% | 3,685 |
| Assets per employee ($millions) | 3.1041% | 5,539 |
| Cash dividends to net income (ytd only)* | 96.0717% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7100% | 1,712 |
| Loan loss allowance to noncurrent loans | 85.0112% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 3.0779% | 598 |
| Noncurrent loans to loans | 2.0115% | 1,300 |
| Net loans and leases to total assets | 53.8599% | 4,462 |
| Net loans and leases to deposits | 65.2158% | 4,246 |
| Net loans and leases to core deposits | 69.0335% | 4,239 |
| Total domestic deposits to total assets | 82.5871% | 4,309 |
| Equity capital to assets | 10.7304% | 3,289 |
| Core capital (leverage) ratio | 11.3365% | 2,126 |
| Tier 1 risk-based capital ratio | 19.9873% | 1,622 |
| Total risk-based capital ratio | 21.2420% | 1,590 |
| Memoranda: | ||
| Average total assets | $357,185,000 | 1,860 |
| Average earning assets | $333,369,000 | 1,844 |
| Average equity | $38,621,000 | 1,896 |
| Average total loans | $195,321,500 | 2,123 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 3,412 |
| Cost of funding earning assets | 0.2371% | 5,453 |
| Net interest margin | 3.8393% | 2,471 |
| Noninterest income to average assets | 1.0859% | 1,032 |
| Noninterest expense to average assets | 3.1930% | 2,230 |
| Loan and lease loss provision to assets | 0.0880% | 2,709 |
| Net operating income to assets | 1.3848% | 1,110 |
| Return on assets (ROA) | 1.3777% | 1,164 |
| Pretax return on assets | 1.3777% | 1,968 |
| Return on Equity (ROE) | 12.9744% | 1,146 |
| Retained earnings to average equity (ytd only) | 1.7620% | 4,936 |
| Net charge-offs to loans | 0.1521% | 2,517 |
| Credit loss provision to net charge-offs | 102.3891% | 2,338 |
| Earnings coverage of net charge-offs (x) | 17.1399% | 1,956 |
| Efficiency ratio | 68.4349% | 3,818 |
| Assets per employee ($millions) | 2.9512% | 5,760 |
| Cash dividends to net income (ytd only)* | 86.4198% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 1,526 |
| Loan loss allowance to noncurrent loans | 70.3870% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 3.5382% | 524 |
| Noncurrent loans to loans | 2.5622% | 982 |
| Net loans and leases to total assets | 53.5823% | 4,627 |
| Net loans and leases to deposits | 64.4508% | 4,483 |
| Net loans and leases to core deposits | 68.6001% | 4,439 |
| Total domestic deposits to total assets | 83.1368% | 4,027 |
| Equity capital to assets | 10.8976% | 3,014 |
| Core capital (leverage) ratio | 11.5241% | 1,957 |
| Tier 1 risk-based capital ratio | 20.4842% | 1,511 |
| Total risk-based capital ratio | 21.7399% | 1,484 |
| Memoranda: | ||
| Average total assets | $340,996,600 | 1,907 |
| Average earning assets | $317,944,600 | 1,886 |
| Average equity | $36,209,800 | 1,940 |
| Average total loans | $192,618,000 | 2,091 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 3,431 |
| Cost of funding earning assets | 0.2405% | 5,505 |
| Net interest margin | 3.8465% | 2,445 |
| Noninterest income to average assets | 1.0897% | 1,026 |
| Noninterest expense to average assets | 3.0491% | 2,639 |
| Loan and lease loss provision to assets | 0.0886% | 2,581 |
| Net operating income to assets | 1.5368% | 868 |
| Return on assets (ROA) | 1.5439% | 887 |
| Pretax return on assets | 1.5439% | 1,499 |
| Return on Equity (ROE) | 14.6388% | 886 |
| Retained earnings to average equity (ytd only) | 0.8143% | 5,555 |
| Net charge-offs to loans | 0.1210% | 2,599 |
| Credit loss provision to net charge-offs | 128.5714% | 1,796 |
| Earnings coverage of net charge-offs (x) | 23.5769% | 1,583 |
| Efficiency ratio | 65.2284% | 4,330 |
| Assets per employee ($millions) | 2.8970% | 5,855 |
| Cash dividends to net income (ytd only)* | 94.4373% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 1,653 |
| Loan loss allowance to noncurrent loans | 72.5181% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 3.5765% | 592 |
| Noncurrent loans to loans | 2.5081% | 1,167 |
| Net loans and leases to total assets | 55.2531% | 4,429 |
| Net loans and leases to deposits | 66.8295% | 4,251 |
| Net loans and leases to core deposits | 71.4268% | 4,213 |
| Total domestic deposits to total assets | 82.6776% | 4,242 |
| Equity capital to assets | 10.7803% | 3,206 |
| Core capital (leverage) ratio | 11.8522% | 1,792 |
| Tier 1 risk-based capital ratio | 20.2372% | 1,606 |
| Total risk-based capital ratio | 21.4936% | 1,572 |
| Memoranda: | ||
| Average total assets | $338,446,750 | 1,928 |
| Average earning assets | $315,429,000 | 1,906 |
| Average equity | $35,694,250 | 1,969 |
| Average total loans | $192,863,750 | 2,102 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 3,376 |
| Cost of funding earning assets | 0.2455% | 5,529 |
| Net interest margin | 3.8477% | 2,385 |
| Noninterest income to average assets | 1.0910% | 1,001 |
| Noninterest expense to average assets | 3.0435% | 2,676 |
| Loan and lease loss provision to assets | 0.0889% | 2,545 |
| Net operating income to assets | 1.5452% | 803 |
| Return on assets (ROA) | 1.5499% | 828 |
| Pretax return on assets | 1.5499% | 1,394 |
| Return on Equity (ROE) | 14.8067% | 819 |
| Retained earnings to average equity (ytd only) | 2.2827% | 4,748 |
| Net charge-offs to loans | 0.0984% | 2,693 |
| Credit loss provision to net charge-offs | 157.8947% | 1,411 |
| Earnings coverage of net charge-offs (x) | 29.0105% | 1,287 |
| Efficiency ratio | 65.0653% | 4,522 |
| Assets per employee ($millions) | 2.7374% | 6,091 |
| Cash dividends to net income (ytd only)* | 84.5830% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8385% | 1,731 |
| Loan loss allowance to noncurrent loans | 76.0417% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 3.5902% | 636 |
| Noncurrent loans to loans | 2.4178% | 1,298 |
| Net loans and leases to total assets | 56.0200% | 4,281 |
| Net loans and leases to deposits | 66.8977% | 4,172 |
| Net loans and leases to core deposits | 71.5467% | 4,093 |
| Total domestic deposits to total assets | 83.7398% | 4,019 |
| Equity capital to assets | 11.0285% | 2,845 |
| Core capital (leverage) ratio | 11.8658% | 1,739 |
| Tier 1 risk-based capital ratio | 20.7050% | 1,506 |
| Total risk-based capital ratio | 21.9616% | 1,484 |
| Memoranda: | ||
| Average total assets | $337,313,330 | 1,938 |
| Average earning assets | $314,423,000 | 1,909 |
| Average equity | $35,308,330 | 1,976 |
| Average total loans | $193,025,000 | 2,106 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0665% | 3,413 |
| Cost of funding earning assets | 0.2504% | 5,578 |
| Net interest margin | 3.8161% | 2,401 |
| Noninterest income to average assets | 1.0419% | 1,033 |
| Noninterest expense to average assets | 2.9936% | 2,876 |
| Loan and lease loss provision to assets | 0.0885% | 2,439 |
| Net operating income to assets | 1.5198% | 780 |
| Return on assets (ROA) | 1.5481% | 770 |
| Pretax return on assets | 1.5481% | 1,297 |
| Return on Equity (ROE) | 15.1909% | 754 |
| Retained earnings to average equity (ytd only) | 2.1652% | 4,736 |
| Net charge-offs to loans | -0.0185% | 5,317 |
| Credit loss provision to net charge-offs | -833.3333% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0513% | 4,681 |
| Assets per employee ($millions) | 2.8737% | 6,011 |
| Cash dividends to net income (ytd only)* | 85.7470% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8388% | 1,930 |
| Loan loss allowance to noncurrent loans | 112.2656% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 3.1422% | 874 |
| Noncurrent loans to loans | 1.6379% | 2,376 |
| Net loans and leases to total assets | 55.6187% | 4,192 |
| Net loans and leases to deposits | 65.9799% | 4,100 |
| Net loans and leases to core deposits | 70.5101% | 4,033 |
| Total domestic deposits to total assets | 84.2963% | 4,165 |
| Equity capital to assets | 10.3854% | 3,357 |
| Core capital (leverage) ratio | 11.9107% | 1,704 |
| Tier 1 risk-based capital ratio | 20.3709% | 1,626 |
| Total risk-based capital ratio | 21.6265% | 1,594 |
| Memoranda: | ||
| Average total assets | $338,988,500 | 1,935 |
| Average earning assets | $316,241,500 | 1,905 |
| Average equity | $34,547,000 | 2,009 |
| Average total loans | $194,242,500 | 2,102 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 3,413 |
| Cost of funding earning assets | 0.3135% | 5,480 |
| Net interest margin | 3.8671% | 2,407 |
| Noninterest income to average assets | 1.0748% | 1,225 |
| Noninterest expense to average assets | 3.2543% | 2,264 |
| Loan and lease loss provision to assets | 0.0901% | 3,305 |
| Net operating income to assets | 1.3505% | 1,132 |
| Return on assets (ROA) | 1.5106% | 840 |
| Pretax return on assets | 1.5106% | 1,412 |
| Return on Equity (ROE) | 13.9316% | 963 |
| Retained earnings to average equity (ytd only) | 2.4711% | 4,498 |
| Net charge-offs to loans | 0.1207% | 3,604 |
| Credit loss provision to net charge-offs | 126.0504% | 1,881 |
| Earnings coverage of net charge-offs (x) | 20.1513% | 1,564 |
| Efficiency ratio | 69.3154% | 3,954 |
| Assets per employee ($millions) | 2.8719% | 6,016 |
| Cash dividends to net income (ytd only)* | 82.2629% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 2,210 |
| Loan loss allowance to noncurrent loans | 123.1346% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 3.0297% | 1,037 |
| Noncurrent loans to loans | 1.4265% | 2,751 |
| Net loans and leases to total assets | 56.9233% | 4,202 |
| Net loans and leases to deposits | 67.6597% | 4,096 |
| Net loans and leases to core deposits | 72.4536% | 4,010 |
| Total domestic deposits to total assets | 84.1317% | 4,111 |
| Equity capital to assets | 9.9969% | 3,775 |
| Core capital (leverage) ratio | 11.8718% | 1,697 |
| Tier 1 risk-based capital ratio | 19.9560% | 1,663 |
| Total risk-based capital ratio | 21.2116% | 1,632 |
| Memoranda: | ||
| Average total assets | $332,912,800 | 1,932 |
| Average earning assets | $311,656,000 | 1,902 |
| Average equity | $36,097,800 | 1,912 |
| Average total loans | $197,185,800 | 2,025 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 3,466 |
| Cost of funding earning assets | 0.3309% | 5,464 |
| Net interest margin | 3.8473% | 2,475 |
| Noninterest income to average assets | 1.0689% | 1,282 |
| Noninterest expense to average assets | 3.1343% | 2,553 |
| Loan and lease loss provision to assets | 0.0905% | 3,254 |
| Net operating income to assets | 1.4503% | 982 |
| Return on assets (ROA) | 1.6502% | 719 |
| Pretax return on assets | 1.6502% | 1,218 |
| Return on Equity (ROE) | 14.9217% | 809 |
| Retained earnings to average equity (ytd only) | 1.1822% | 5,510 |
| Net charge-offs to loans | 0.1675% | 2,881 |
| Credit loss provision to net charge-offs | 90.7258% | 2,621 |
| Earnings coverage of net charge-offs (x) | 15.4435% | 1,863 |
| Efficiency ratio | 67.0424% | 4,296 |
| Assets per employee ($millions) | 2.7292% | 6,238 |
| Cash dividends to net income (ytd only)* | 92.0769% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7263% | 2,534 |
| Loan loss allowance to noncurrent loans | 121.0072% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 3.1380% | 1,158 |
| Noncurrent loans to loans | 1.4266% | 3,026 |
| Net loans and leases to total assets | 58.4752% | 3,927 |
| Net loans and leases to deposits | 69.2389% | 3,900 |
| Net loans and leases to core deposits | 72.9810% | 3,974 |
| Total domestic deposits to total assets | 84.4543% | 4,002 |
| Equity capital to assets | 10.2049% | 3,638 |
| Core capital (leverage) ratio | 12.0210% | 1,659 |
| Tier 1 risk-based capital ratio | 20.0219% | 1,730 |
| Total risk-based capital ratio | 21.2776% | 1,703 |
| Memoranda: | ||
| Average total assets | $331,420,000 | 1,954 |
| Average earning assets | $310,654,750 | 1,920 |
| Average equity | $36,652,750 | 1,903 |
| Average total loans | $197,394,000 | 2,023 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 3,622 |
| Cost of funding earning assets | 0.3525% | 5,381 |
| Net interest margin | 3.7780% | 2,643 |
| Noninterest income to average assets | 1.0717% | 1,336 |
| Noninterest expense to average assets | 3.1076% | 2,640 |
| Loan and lease loss provision to assets | 0.0902% | 3,281 |
| Net operating income to assets | 1.4174% | 1,041 |
| Return on assets (ROA) | 1.7041% | 672 |
| Pretax return on assets | 1.7041% | 1,107 |
| Return on Equity (ROE) | 15.0278% | 808 |
| Retained earnings to average equity (ytd only) | 3.5356% | 4,071 |
| Net charge-offs to loans | 0.1574% | 2,841 |
| Credit loss provision to net charge-offs | 96.1538% | 2,315 |
| Earnings coverage of net charge-offs (x) | 16.0769% | 1,688 |
| Efficiency ratio | 67.3352% | 4,303 |
| Assets per employee ($millions) | 2.6487% | 6,352 |
| Cash dividends to net income (ytd only)* | 76.4727% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 2,702 |
| Loan loss allowance to noncurrent loans | 152.5034% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 2.9353% | 1,389 |
| Noncurrent loans to loans | 1.1285% | 3,678 |
| Net loans and leases to total assets | 59.2636% | 3,785 |
| Net loans and leases to deposits | 69.9505% | 3,717 |
| Net loans and leases to core deposits | 73.3981% | 3,882 |
| Total domestic deposits to total assets | 84.7222% | 4,029 |
| Equity capital to assets | 10.9972% | 2,748 |
| Core capital (leverage) ratio | 11.8817% | 1,678 |
| Tier 1 risk-based capital ratio | 20.1859% | 1,680 |
| Total risk-based capital ratio | 21.4415% | 1,656 |
| Memoranda: | ||
| Average total assets | $332,727,330 | 1,952 |
| Average earning assets | $312,073,670 | 1,915 |
| Average equity | $37,730,000 | 1,864 |
| Average total loans | $198,235,670 | 2,021 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 3,841 |
| Cost of funding earning assets | 0.3717% | 5,350 |
| Net interest margin | 3.6989% | 2,859 |
| Noninterest income to average assets | 0.9709% | 1,553 |
| Noninterest expense to average assets | 3.0542% | 2,822 |
| Loan and lease loss provision to assets | 0.0892% | 3,175 |
| Net operating income to assets | 1.2969% | 1,284 |
| Return on assets (ROA) | 1.7240% | 610 |
| Pretax return on assets | 1.7240% | 1,022 |
| Return on Equity (ROE) | 14.9841% | 772 |
| Retained earnings to average equity (ytd only) | 4.6431% | 3,451 |
| Net charge-offs to loans | 0.1024% | 2,835 |
| Credit loss provision to net charge-offs | 147.0588% | 1,385 |
| Earnings coverage of net charge-offs (x) | 22.8431% | 1,125 |
| Efficiency ratio | 68.7835% | 4,179 |
| Assets per employee ($millions) | 2.7581% | 6,342 |
| Cash dividends to net income (ytd only)* | 69.0131% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 2,980 |
| Loan loss allowance to noncurrent loans | 110.4956% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 3.0842% | 1,440 |
| Noncurrent loans to loans | 1.5443% | 3,234 |
| Net loans and leases to total assets | 58.3915% | 3,722 |
| Net loans and leases to deposits | 70.5424% | 3,384 |
| Net loans and leases to core deposits | 73.6618% | 3,623 |
| Total domestic deposits to total assets | 82.7750% | 4,926 |
| Equity capital to assets | 11.4748% | 2,433 |
| Core capital (leverage) ratio | 11.8320% | 1,663 |
| Tier 1 risk-based capital ratio | 19.8169% | 1,819 |
| Total risk-based capital ratio | 21.0727% | 1,786 |
| Memoranda: | ||
| Average total assets | $336,195,000 | 1,951 |
| Average earning assets | $315,340,000 | 1,923 |
| Average equity | $38,681,000 | 1,838 |
| Average total loans | $199,125,000 | 2,034 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3608% | 3,981 |
| Cost of funding earning assets | 0.4484% | 5,591 |
| Net interest margin | 3.9124% | 2,777 |
| Noninterest income to average assets | 1.0777% | 1,342 |
| Noninterest expense to average assets | 3.2535% | 2,467 |
| Loan and lease loss provision to assets | 0.1807% | 3,371 |
| Net operating income to assets | 1.3150% | 1,262 |
| Return on assets (ROA) | 1.6271% | 793 |
| Pretax return on assets | 1.6271% | 1,313 |
| Return on Equity (ROE) | 13.8239% | 1,025 |
| Retained earnings to average equity (ytd only) | 0.8726% | 5,432 |
| Net charge-offs to loans | 0.2993% | 3,148 |
| Credit loss provision to net charge-offs | 102.0408% | 2,956 |
| Earnings coverage of net charge-offs (x) | 8.4456% | 2,413 |
| Efficiency ratio | 68.5058% | 4,055 |
| Assets per employee ($millions) | 2.7532% | 6,365 |
| Cash dividends to net income (ytd only)* | 93.6875% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7075% | 2,906 |
| Loan loss allowance to noncurrent loans | 110.7949% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 3.0807% | 1,525 |
| Noncurrent loans to loans | 1.5412% | 3,302 |
| Net loans and leases to total assets | 58.0442% | 3,969 |
| Net loans and leases to deposits | 70.8359% | 3,587 |
| Net loans and leases to core deposits | 73.5737% | 3,838 |
| Total domestic deposits to total assets | 81.9417% | 5,122 |
| Equity capital to assets | 11.5363% | 2,409 |
| Core capital (leverage) ratio | 11.6303% | 1,782 |
| Tier 1 risk-based capital ratio | 19.8178% | 1,724 |
| Total risk-based capital ratio | 21.0735% | 1,693 |
| Memoranda: | ||
| Average total assets | $332,008,600 | 1,939 |
| Average earning assets | $311,571,000 | 1,896 |
| Average equity | $39,077,200 | 1,780 |
| Average total loans | $196,479,200 | 2,034 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 3,997 |
| Cost of funding earning assets | 0.4697% | 5,641 |
| Net interest margin | 3.9429% | 2,737 |
| Noninterest income to average assets | 1.0734% | 1,311 |
| Noninterest expense to average assets | 3.0844% | 2,927 |
| Loan and lease loss provision to assets | 0.0906% | 4,469 |
| Net operating income to assets | 1.6002% | 844 |
| Return on assets (ROA) | 1.9816% | 449 |
| Pretax return on assets | 1.9816% | 729 |
| Return on Equity (ROE) | 16.7518% | 633 |
| Retained earnings to average equity (ytd only) | 3.2652% | 4,571 |
| Net charge-offs to loans | 0.1503% | 3,909 |
| Credit loss provision to net charge-offs | 101.8100% | 2,893 |
| Earnings coverage of net charge-offs (x) | 18.9954% | 1,523 |
| Efficiency ratio | 64.5918% | 4,700 |
| Assets per employee ($millions) | 2.6850% | 6,508 |
| Cash dividends to net income (ytd only)* | 80.5081% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 3,263 |
| Loan loss allowance to noncurrent loans | 68.9451% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 3.5803% | 1,397 |
| Noncurrent loans to loans | 2.4206% | 2,377 |
| Net loans and leases to total assets | 60.7782% | 3,618 |
| Net loans and leases to deposits | 73.0987% | 3,436 |
| Net loans and leases to core deposits | 76.0397% | 3,722 |
| Total domestic deposits to total assets | 83.1453% | 4,582 |
| Equity capital to assets | 12.0890% | 2,184 |
| Core capital (leverage) ratio | 11.9700% | 1,674 |
| Tier 1 risk-based capital ratio | 19.9745% | 1,765 |
| Total risk-based capital ratio | 21.2300% | 1,740 |
| Memoranda: | ||
| Average total assets | $331,036,750 | 1,961 |
| Average earning assets | $310,798,000 | 1,923 |
| Average equity | $39,159,000 | 1,790 |
| Average total loans | $196,010,250 | 2,063 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 4,062 |
| Cost of funding earning assets | 0.4959% | 5,652 |
| Net interest margin | 3.9342% | 2,769 |
| Noninterest income to average assets | 1.0145% | 1,423 |
| Noninterest expense to average assets | 3.0561% | 3,062 |
| Loan and lease loss provision to assets | 0.0903% | 4,441 |
| Net operating income to assets | 1.5605% | 895 |
| Return on assets (ROA) | 2.0139% | 442 |
| Pretax return on assets | 2.0139% | 684 |
| Return on Equity (ROE) | 17.1486% | 618 |
| Retained earnings to average equity (ytd only) | 5.3727% | 3,059 |
| Net charge-offs to loans | 0.0454% | 4,751 |
| Credit loss provision to net charge-offs | 340.9091% | 860 |
| Earnings coverage of net charge-offs (x) | 62.3182% | 615 |
| Efficiency ratio | 64.9271% | 4,730 |
| Assets per employee ($millions) | 2.6611% | 6,585 |
| Cash dividends to net income (ytd only)* | 68.6697% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 2,964 |
| Loan loss allowance to noncurrent loans | 58.3473% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 3.8615% | 1,344 |
| Noncurrent loans to loans | 3.0276% | 1,949 |
| Net loans and leases to total assets | 58.6633% | 4,052 |
| Net loans and leases to deposits | 70.6817% | 3,798 |
| Net loans and leases to core deposits | 73.4010% | 4,111 |
| Total domestic deposits to total assets | 82.9964% | 4,755 |
| Equity capital to assets | 12.0029% | 2,145 |
| Core capital (leverage) ratio | 11.8884% | 1,659 |
| Tier 1 risk-based capital ratio | 20.3806% | 1,611 |
| Total risk-based capital ratio | 21.6373% | 1,584 |
| Memoranda: | ||
| Average total assets | $332,192,330 | 1,959 |
| Average earning assets | $311,779,330 | 1,922 |
| Average equity | $39,012,000 | 1,784 |
| Average total loans | $193,857,000 | 2,083 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4915% | 3,949 |
| Cost of funding earning assets | 0.5228% | 5,659 |
| Net interest margin | 3.9687% | 2,636 |
| Noninterest income to average assets | 0.9733% | 1,501 |
| Noninterest expense to average assets | 3.0219% | 3,175 |
| Loan and lease loss provision to assets | 0.0900% | 4,231 |
| Net operating income to assets | 1.5878% | 880 |
| Return on assets (ROA) | 2.0222% | 461 |
| Pretax return on assets | 2.0222% | 708 |
| Return on Equity (ROE) | 17.4095% | 616 |
| Retained earnings to average equity (ytd only) | 7.0775% | 2,395 |
| Net charge-offs to loans | 0.0333% | 4,222 |
| Credit loss provision to net charge-offs | 468.7500% | 683 |
| Earnings coverage of net charge-offs (x) | 87.3750% | 388 |
| Efficiency ratio | 64.3003% | 4,871 |
| Assets per employee ($millions) | 2.7643% | 6,554 |
| Cash dividends to net income (ytd only)* | 59.3472% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7470% | 3,172 |
| Loan loss allowance to noncurrent loans | 78.5633% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 3.3569% | 1,716 |
| Noncurrent loans to loans | 2.2237% | 2,896 |
| Net loans and leases to total assets | 57.2656% | 4,170 |
| Net loans and leases to deposits | 70.2340% | 3,703 |
| Net loans and leases to core deposits | 73.1435% | 3,998 |
| Total domestic deposits to total assets | 81.5354% | 5,453 |
| Equity capital to assets | 11.5079% | 2,435 |
| Core capital (leverage) ratio | 11.8377% | 1,686 |
| Tier 1 risk-based capital ratio | 20.0905% | 1,689 |
| Total risk-based capital ratio | 21.3463% | 1,661 |
| Memoranda: | ||
| Average total assets | $333,299,500 | 1,956 |
| Average earning assets | $312,947,000 | 1,912 |
| Average equity | $38,714,500 | 1,796 |
| Average total loans | $192,257,000 | 2,108 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6689% | 4,379 |
| Cost of funding earning assets | 0.6670% | 5,729 |
| Net interest margin | 4.0019% | 2,867 |
| Noninterest income to average assets | 0.9815% | 1,417 |
| Noninterest expense to average assets | 3.3947% | 2,257 |
| Loan and lease loss provision to assets | 0.1018% | 5,316 |
| Net operating income to assets | 1.2465% | 1,389 |
| Return on assets (ROA) | 1.4507% | 1,007 |
| Pretax return on assets | 1.4507% | 1,625 |
| Return on Equity (ROE) | 12.7885% | 1,206 |
| Retained earnings to average equity (ytd only) | 2.5797% | 4,389 |
| Net charge-offs to loans | -0.0281% | 6,994 |
| Credit loss provision to net charge-offs | -656.8627% | 6,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5723% | 3,668 |
| Assets per employee ($millions) | 2.6996% | 6,612 |
| Cash dividends to net income (ytd only)* | 79.8282% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7957% | 2,883 |
| Loan loss allowance to noncurrent loans | 135.0540% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 2.8404% | 2,129 |
| Noncurrent loans to loans | 1.3296% | 4,157 |
| Net loans and leases to total assets | 56.0429% | 4,693 |
| Net loans and leases to deposits | 69.0358% | 4,269 |
| Net loans and leases to core deposits | 72.1818% | 4,496 |
| Total domestic deposits to total assets | 81.1795% | 5,394 |
| Equity capital to assets | 11.7257% | 2,320 |
| Core capital (leverage) ratio | 11.6151% | 1,810 |
| Tier 1 risk-based capital ratio | 20.4401% | 1,536 |
| Total risk-based capital ratio | 21.6966% | 1,505 |
| Memoranda: | ||
| Average total assets | $329,071,600 | 1,961 |
| Average earning assets | $309,304,800 | 1,899 |
| Average equity | $37,330,400 | 1,804 |
| Average total loans | $181,804,200 | 2,214 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 4,351 |
| Cost of funding earning assets | 0.6981% | 5,777 |
| Net interest margin | 4.0234% | 2,819 |
| Noninterest income to average assets | 0.9827% | 1,383 |
| Noninterest expense to average assets | 3.0102% | 3,524 |
| Loan and lease loss provision to assets | 0.1054% | 5,128 |
| Net operating income to assets | 1.6506% | 705 |
| Return on assets (ROA) | 1.8411% | 516 |
| Pretax return on assets | 1.8411% | 879 |
| Return on Equity (ROE) | 16.3671% | 627 |
| Retained earnings to average equity (ytd only) | 2.8029% | 4,677 |
| Net charge-offs to loans | -0.0288% | 6,967 |
| Credit loss provision to net charge-offs | -666.6667% | 6,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 5,204 |
| Assets per employee ($millions) | 2.6972% | 6,654 |
| Cash dividends to net income (ytd only)* | 82.8747% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8332% | 2,823 |
| Loan loss allowance to noncurrent loans | 242.4779% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 2.7194% | 2,387 |
| Noncurrent loans to loans | 0.7560% | 5,361 |
| Net loans and leases to total assets | 53.9498% | 5,167 |
| Net loans and leases to deposits | 65.4371% | 4,984 |
| Net loans and leases to core deposits | 68.5365% | 5,118 |
| Total domestic deposits to total assets | 82.4453% | 4,899 |
| Equity capital to assets | 11.8738% | 2,354 |
| Core capital (leverage) ratio | 11.6868% | 1,894 |
| Tier 1 risk-based capital ratio | 21.3717% | 1,385 |
| Total risk-based capital ratio | 22.6287% | 1,362 |
| Memoranda: | ||
| Average total assets | $329,001,250 | 1,969 |
| Average earning assets | $309,384,250 | 1,908 |
| Average equity | $37,008,250 | 1,824 |
| Average total loans | $180,266,750 | 2,262 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7096% | 4,494 |
| Cost of funding earning assets | 0.7265% | 5,796 |
| Net interest margin | 3.9830% | 2,925 |
| Noninterest income to average assets | 0.9361% | 1,508 |
| Noninterest expense to average assets | 2.9380% | 3,871 |
| Loan and lease loss provision to assets | 0.1122% | 4,893 |
| Net operating income to assets | 1.6418% | 678 |
| Return on assets (ROA) | 1.8061% | 531 |
| Pretax return on assets | 1.8061% | 872 |
| Return on Equity (ROE) | 16.3559% | 628 |
| Retained earnings to average equity (ytd only) | 4.7327% | 3,173 |
| Net charge-offs to loans | -0.0399% | 6,992 |
| Credit loss provision to net charge-offs | -513.8889% | 6,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6179% | 5,476 |
| Assets per employee ($millions) | 2.6934% | 6,650 |
| Cash dividends to net income (ytd only)* | 71.0641% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7422% | 3,180 |
| Loan loss allowance to noncurrent loans | 119.2422% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 2.7290% | 2,451 |
| Noncurrent loans to loans | 1.4611% | 4,233 |
| Net loans and leases to total assets | 54.6448% | 5,202 |
| Net loans and leases to deposits | 66.2181% | 4,971 |
| Net loans and leases to core deposits | 69.4422% | 5,132 |
| Total domestic deposits to total assets | 82.5225% | 4,978 |
| Equity capital to assets | 11.5321% | 2,474 |
| Core capital (leverage) ratio | 11.4832% | 1,920 |
| Tier 1 risk-based capital ratio | 21.0140% | 1,414 |
| Total risk-based capital ratio | 22.2700% | 1,394 |
| Memoranda: | ||
| Average total assets | $329,882,670 | 1,974 |
| Average earning assets | $311,070,000 | 1,912 |
| Average equity | $36,427,330 | 1,837 |
| Average total loans | $180,570,000 | 2,277 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 4,840 |
| Cost of funding earning assets | 0.7574% | 5,817 |
| Net interest margin | 3.8694% | 3,303 |
| Noninterest income to average assets | 0.8907% | 1,693 |
| Noninterest expense to average assets | 2.9139% | 4,004 |
| Loan and lease loss provision to assets | 0.0911% | 4,871 |
| Net operating income to assets | 1.5299% | 818 |
| Return on assets (ROA) | 1.6174% | 701 |
| Pretax return on assets | 1.6174% | 1,147 |
| Return on Equity (ROE) | 14.9809% | 822 |
| Retained earnings to average equity (ytd only) | 9.3195% | 1,290 |
| Net charge-offs to loans | -0.0403% | 6,820 |
| Credit loss provision to net charge-offs | -416.6667% | 5,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2551% | 5,320 |
| Assets per employee ($millions) | 2.7514% | 6,624 |
| Cash dividends to net income (ytd only)* | 37.7911% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7063% | 3,319 |
| Loan loss allowance to noncurrent loans | 95.4475% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 2.7523% | 2,512 |
| Noncurrent loans to loans | 1.7876% | 3,839 |
| Net loans and leases to total assets | 53.3297% | 5,401 |
| Net loans and leases to deposits | 66.0963% | 4,963 |
| Net loans and leases to core deposits | 69.1985% | 5,144 |
| Total domestic deposits to total assets | 80.6848% | 5,754 |
| Equity capital to assets | 10.8979% | 2,778 |
| Core capital (leverage) ratio | 11.8660% | 1,640 |
| Tier 1 risk-based capital ratio | 21.3043% | 1,343 |
| Total risk-based capital ratio | 22.5595% | 1,318 |
| Memoranda: | ||
| Average total assets | $329,177,000 | 1,986 |
| Average earning assets | $310,026,000 | 1,924 |
| Average equity | $35,538,500 | 1,872 |
| Average total loans | $178,732,500 | 2,325 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8693% | 5,157 |
| Cost of funding earning assets | 0.9794% | 5,785 |
| Net interest margin | 3.8899% | 3,541 |
| Noninterest income to average assets | 1.0755% | 1,292 |
| Noninterest expense to average assets | 3.2118% | 3,046 |
| Loan and lease loss provision to assets | 0.0922% | 6,222 |
| Net operating income to assets | 1.4070% | 937 |
| Return on assets (ROA) | 1.6766% | 584 |
| Pretax return on assets | 1.6766% | 985 |
| Return on Equity (ROE) | 15.1958% | 688 |
| Retained earnings to average equity (ytd only) | 3.8038% | 3,201 |
| Net charge-offs to loans | 0.0222% | 6,590 |
| Credit loss provision to net charge-offs | 810.8108% | 267 |
| Earnings coverage of net charge-offs (x) | 131.7838% | 191 |
| Efficiency ratio | 68.1765% | 4,529 |
| Assets per employee ($millions) | 2.6458% | 6,773 |
| Cash dividends to net income (ytd only)* | 74.9679% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6903% | 3,249 |
| Loan loss allowance to noncurrent loans | 103.4972% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 2.7687% | 2,532 |
| Noncurrent loans to loans | 1.6332% | 4,051 |
| Net loans and leases to total assets | 53.4206% | 5,710 |
| Net loans and leases to deposits | 65.6531% | 5,440 |
| Net loans and leases to core deposits | 68.7682% | 5,577 |
| Total domestic deposits to total assets | 81.3680% | 5,400 |
| Equity capital to assets | 10.6920% | 2,967 |
| Core capital (leverage) ratio | 11.6712% | 1,743 |
| Tier 1 risk-based capital ratio | 20.9313% | 1,326 |
| Total risk-based capital ratio | 22.1860% | 1,303 |
| Memoranda: | ||
| Average total assets | $325,240,800 | 1,996 |
| Average earning assets | $303,966,400 | 1,955 |
| Average equity | $35,885,000 | 1,841 |
| Average total loans | $166,976,200 | 2,518 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9487% | 5,046 |
| Cost of funding earning assets | 1.0287% | 5,806 |
| Net interest margin | 3.9200% | 3,451 |
| Noninterest income to average assets | 1.0365% | 1,348 |
| Noninterest expense to average assets | 3.0057% | 3,721 |
| Loan and lease loss provision to assets | 0.0922% | 6,114 |
| Net operating income to assets | 1.5945% | 756 |
| Return on assets (ROA) | 1.9057% | 443 |
| Pretax return on assets | 1.9057% | 759 |
| Return on Equity (ROE) | 17.1394% | 574 |
| Retained earnings to average equity (ytd only) | 2.8836% | 4,407 |
| Net charge-offs to loans | -0.0195% | 7,350 |
| Credit loss provision to net charge-offs | -937.5000% | 7,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0542% | 5,227 |
| Assets per employee ($millions) | 2.6175% | 6,909 |
| Cash dividends to net income (ytd only)* | 83.1756% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7721% | 2,884 |
| Loan loss allowance to noncurrent loans | 62.5263% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 3.0003% | 2,419 |
| Noncurrent loans to loans | 2.8341% | 2,820 |
| Net loans and leases to total assets | 52.5021% | 6,042 |
| Net loans and leases to deposits | 63.2996% | 5,993 |
| Net loans and leases to core deposits | 66.0636% | 6,118 |
| Total domestic deposits to total assets | 82.9423% | 4,616 |
| Equity capital to assets | 11.9017% | 2,225 |
| Core capital (leverage) ratio | 11.6315% | 1,858 |
| Tier 1 risk-based capital ratio | 21.8941% | 1,224 |
| Total risk-based capital ratio | 23.1442% | 1,195 |
| Memoranda: | ||
| Average total assets | $325,193,750 | 2,025 |
| Average earning assets | $303,292,500 | 1,986 |
| Average equity | $36,157,500 | 1,848 |
| Average total loans | $164,511,500 | 2,597 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0731% | 4,596 |
| Cost of funding earning assets | 1.0629% | 5,861 |
| Net interest margin | 4.0102% | 2,964 |
| Noninterest income to average assets | 1.0234% | 1,305 |
| Noninterest expense to average assets | 2.9645% | 3,840 |
| Loan and lease loss provision to assets | 0.0912% | 6,012 |
| Net operating income to assets | 1.6960% | 592 |
| Return on assets (ROA) | 2.0104% | 356 |
| Pretax return on assets | 2.0104% | 592 |
| Return on Equity (ROE) | 18.4956% | 426 |
| Retained earnings to average equity (ytd only) | 5.9135% | 2,379 |
| Net charge-offs to loans | -0.0245% | 7,315 |
| Credit loss provision to net charge-offs | -750.0000% | 6,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3880% | 5,629 |
| Assets per employee ($millions) | 2.5899% | 6,967 |
| Cash dividends to net income (ytd only)* | 68.0278% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7581% | 2,860 |
| Loan loss allowance to noncurrent loans | 101.5428% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 2.3682% | 3,045 |
| Noncurrent loans to loans | 1.7314% | 4,090 |
| Net loans and leases to total assets | 50.8010% | 6,333 |
| Net loans and leases to deposits | 61.6743% | 6,260 |
| Net loans and leases to core deposits | 64.2451% | 6,384 |
| Total domestic deposits to total assets | 82.3698% | 4,841 |
| Equity capital to assets | 11.6476% | 2,321 |
| Core capital (leverage) ratio | 11.3161% | 2,026 |
| Tier 1 risk-based capital ratio | 21.8467% | 1,230 |
| Total risk-based capital ratio | 23.1019% | 1,200 |
| Memoranda: | ||
| Average total assets | $328,892,330 | 2,018 |
| Average earning assets | $305,771,670 | 1,994 |
| Average equity | $35,749,000 | 1,868 |
| Average total loans | $163,387,670 | 2,648 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9204% | 5,360 |
| Cost of funding earning assets | 1.0938% | 5,939 |
| Net interest margin | 3.8265% | 3,679 |
| Noninterest income to average assets | 0.8346% | 1,867 |
| Noninterest expense to average assets | 2.9001% | 4,062 |
| Loan and lease loss provision to assets | 0.0898% | 5,737 |
| Net operating income to assets | 1.3926% | 1,092 |
| Return on assets (ROA) | 1.8284% | 515 |
| Pretax return on assets | 1.8284% | 841 |
| Return on Equity (ROE) | 17.4159% | 568 |
| Retained earnings to average equity (ytd only) | 5.4403% | 2,904 |
| Net charge-offs to loans | -0.0246% | 7,126 |
| Credit loss provision to net charge-offs | -750.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1749% | 5,081 |
| Assets per employee ($millions) | 2.7343% | 6,795 |
| Cash dividends to net income (ytd only)* | 68.7623% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 3,127 |
| Loan loss allowance to noncurrent loans | 102.2554% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 2.3047% | 3,147 |
| Noncurrent loans to loans | 1.6457% | 4,278 |
| Net loans and leases to total assets | 49.6400% | 6,505 |
| Net loans and leases to deposits | 61.8582% | 6,287 |
| Net loans and leases to core deposits | 65.1783% | 6,355 |
| Total domestic deposits to total assets | 80.2480% | 5,704 |
| Equity capital to assets | 10.8433% | 2,907 |
| Core capital (leverage) ratio | 11.1177% | 2,153 |
| Tier 1 risk-based capital ratio | 19.8062% | 1,558 |
| Total risk-based capital ratio | 21.0595% | 1,526 |
| Memoranda: | ||
| Average total assets | $334,061,000 | 2,046 |
| Average earning assets | $309,733,500 | 2,015 |
| Average equity | $35,071,500 | 1,922 |
| Average total loans | $162,719,000 | 2,726 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2245% | 5,534 |
| Cost of funding earning assets | 1.4100% | 5,889 |
| Net interest margin | 3.8145% | 3,644 |
| Noninterest income to average assets | 0.9248% | 1,845 |
| Noninterest expense to average assets | 3.0581% | 3,914 |
| Loan and lease loss provision to assets | 0.1389% | 6,250 |
| Net operating income to assets | 1.3271% | 980 |
| Return on assets (ROA) | 1.5046% | 717 |
| Pretax return on assets | 1.5046% | 1,175 |
| Return on Equity (ROE) | 14.2723% | 741 |
| Retained earnings to average equity (ytd only) | 3.8017% | 2,541 |
| Net charge-offs to loans | 0.1596% | 5,679 |
| Credit loss provision to net charge-offs | 185.1852% | 2,200 |
| Earnings coverage of net charge-offs (x) | 19.5391% | 1,078 |
| Efficiency ratio | 67.5949% | 5,080 |
| Assets per employee ($millions) | 2.7421% | 6,776 |
| Cash dividends to net income (ytd only)* | 73.3634% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 2,829 |
| Loan loss allowance to noncurrent loans | 102.9068% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 2.2587% | 3,054 |
| Noncurrent loans to loans | 1.6724% | 4,143 |
| Net loans and leases to total assets | 46.1548% | 6,955 |
| Net loans and leases to deposits | 58.2568% | 6,769 |
| Net loans and leases to core deposits | 71.5909% | 6,684 |
| Total domestic deposits to total assets | 79.2264% | 5,923 |
| Equity capital to assets | 10.1603% | 3,547 |
| Core capital (leverage) ratio | 10.7588% | 2,380 |
| Tier 1 risk-based capital ratio | 19.3596% | 1,581 |
| Total risk-based capital ratio | 20.6118% | 1,540 |
| Memoranda: | ||
| Average total assets | $323,863,800 | 2,093 |
| Average earning assets | $305,597,800 | 2,038 |
| Average equity | $34,143,000 | 1,965 |
| Average total loans | $152,252,200 | 2,887 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2805% | 5,526 |
| Cost of funding earning assets | 1.4795% | 5,915 |
| Net interest margin | 3.8010% | 3,652 |
| Noninterest income to average assets | 0.8827% | 2,047 |
| Noninterest expense to average assets | 2.8807% | 4,533 |
| Loan and lease loss provision to assets | 0.0936% | 6,429 |
| Net operating income to assets | 1.5100% | 793 |
| Return on assets (ROA) | 1.7276% | 560 |
| Pretax return on assets | 1.7276% | 918 |
| Return on Equity (ROE) | 16.2325% | 624 |
| Retained earnings to average equity (ytd only) | 3.9242% | 3,088 |
| Net charge-offs to loans | 0.0610% | 6,094 |
| Credit loss provision to net charge-offs | 326.0870% | 1,263 |
| Earnings coverage of net charge-offs (x) | 55.8682% | 587 |
| Efficiency ratio | 64.2393% | 5,696 |
| Assets per employee ($millions) | 2.7176% | 6,809 |
| Cash dividends to net income (ytd only)* | 75.8247% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7189% | 2,553 |
| Loan loss allowance to noncurrent loans | 96.6402% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.0499% | 4,976 |
| Noncurrent loans to loans | 1.7787% | 3,945 |
| Net loans and leases to total assets | 46.1307% | 7,103 |
| Net loans and leases to deposits | 58.1036% | 6,954 |
| Net loans and leases to core deposits | 71.2049% | 6,896 |
| Total domestic deposits to total assets | 79.3940% | 5,663 |
| Equity capital to assets | 10.3125% | 3,715 |
| Core capital (leverage) ratio | 10.7700% | 2,585 |
| Tier 1 risk-based capital ratio | 19.9489% | 1,570 |
| Total risk-based capital ratio | 21.2050% | 1,518 |
| Memoranda: | ||
| Average total assets | $320,511,250 | 2,121 |
| Average earning assets | $303,699,500 | 2,069 |
| Average equity | $34,111,750 | 1,993 |
| Average total loans | $150,716,750 | 2,936 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3097% | 5,612 |
| Cost of funding earning assets | 1.5405% | 5,974 |
| Net interest margin | 3.7692% | 3,681 |
| Noninterest income to average assets | 0.8503% | 2,182 |
| Noninterest expense to average assets | 2.7882% | 5,008 |
| Loan and lease loss provision to assets | 0.0947% | 6,217 |
| Net operating income to assets | 1.5352% | 777 |
| Return on assets (ROA) | 1.7965% | 507 |
| Pretax return on assets | 1.7965% | 856 |
| Return on Equity (ROE) | 16.6993% | 612 |
| Retained earnings to average equity (ytd only) | 3.9196% | 3,100 |
| Net charge-offs to loans | 0.0094% | 6,436 |
| Credit loss provision to net charge-offs | 2,142.8571% | 248 |
| Earnings coverage of net charge-offs (x) | 368.8571% | 101 |
| Efficiency ratio | 63.1090% | 6,072 |
| Assets per employee ($millions) | 2.9084% | 6,362 |
| Cash dividends to net income (ytd only)* | 76.5285% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7580% | 2,155 |
| Loan loss allowance to noncurrent loans | 83.4483% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.0862% | 4,788 |
| Noncurrent loans to loans | 2.1067% | 3,369 |
| Net loans and leases to total assets | 44.4769% | 7,296 |
| Net loans and leases to deposits | 57.2869% | 7,075 |
| Net loans and leases to core deposits | 69.8454% | 7,023 |
| Total domestic deposits to total assets | 77.6388% | 6,168 |
| Equity capital to assets | 9.6302% | 4,456 |
| Core capital (leverage) ratio | 10.9696% | 2,422 |
| Tier 1 risk-based capital ratio | 20.6139% | 1,459 |
| Total risk-based capital ratio | 21.8671% | 1,420 |
| Memoranda: | ||
| Average total assets | $316,832,000 | 2,163 |
| Average earning assets | $299,903,330 | 2,114 |
| Average equity | $34,085,330 | 1,986 |
| Average total loans | $149,082,000 | 3,000 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4566% | 5,134 |
| Cost of funding earning assets | 1.6322% | 5,897 |
| Net interest margin | 3.8245% | 3,358 |
| Noninterest income to average assets | 0.8065% | 2,292 |
| Noninterest expense to average assets | 2.8038% | 4,547 |
| Loan and lease loss provision to assets | 0.0974% | 5,711 |
| Net operating income to assets | 1.5233% | 897 |
| Return on assets (ROA) | 1.8168% | 569 |
| Pretax return on assets | 1.8168% | 946 |
| Return on Equity (ROE) | 15.9781% | 830 |
| Retained earnings to average equity (ytd only) | 4.4428% | 3,450 |
| Net charge-offs to loans | -0.0054% | 7,189 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3695% | 5,799 |
| Assets per employee ($millions) | 2.8798% | 6,458 |
| Cash dividends to net income (ytd only)* | 72.1944% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 2,049 |
| Loan loss allowance to noncurrent loans | 73.1062% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.3137% | 4,044 |
| Noncurrent loans to loans | 2.3635% | 2,789 |
| Net loans and leases to total assets | 47.9162% | 7,033 |
| Net loans and leases to deposits | 56.9996% | 7,103 |
| Net loans and leases to core deposits | 69.1200% | 7,075 |
| Total domestic deposits to total assets | 84.0642% | 3,676 |
| Equity capital to assets | 11.3701% | 2,676 |
| Core capital (leverage) ratio | 11.6589% | 2,064 |
| Tier 1 risk-based capital ratio | 22.5349% | 1,241 |
| Total risk-based capital ratio | 23.7896% | 1,209 |
| Memoranda: | ||
| Average total assets | $308,014,000 | 2,226 |
| Average earning assets | $291,388,000 | 2,176 |
| Average equity | $35,023,000 | 1,945 |
| Average total loans | $147,911,500 | 3,041 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7553% | 6,578 |
| Cost of funding earning assets | 2.2373% | 5,429 |
| Net interest margin | 3.5180% | 5,239 |
| Noninterest income to average assets | 0.8272% | 2,369 |
| Noninterest expense to average assets | 2.7335% | 5,121 |
| Loan and lease loss provision to assets | -0.0199% | 8,212 |
| Net operating income to assets | 1.4274% | 1,175 |
| Return on assets (ROA) | 1.5265% | 937 |
| Pretax return on assets | 1.5265% | 1,608 |
| Return on Equity (ROE) | 14.6389% | 989 |
| Retained earnings to average equity (ytd only) | 6.0475% | 1,508 |
| Net charge-offs to loans | -0.1653% | 8,147 |
| Credit loss provision to net charge-offs | 27.6786% | 6,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0108% | 5,126 |
| Assets per employee ($millions) | 2.9046% | 6,289 |
| Cash dividends to net income (ytd only)* | 58.6888% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 1,825 |
| Loan loss allowance to noncurrent loans | 71.3800% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.2453% | 3,736 |
| Noncurrent loans to loans | 2.4241% | 2,260 |
| Net loans and leases to total assets | 46.4646% | 7,284 |
| Net loans and leases to deposits | 54.6948% | 7,399 |
| Net loans and leases to core deposits | 66.7665% | 7,336 |
| Total domestic deposits to total assets | 84.9525% | 2,866 |
| Equity capital to assets | 11.3711% | 2,728 |
| Core capital (leverage) ratio | 11.4062% | 2,307 |
| Tier 1 risk-based capital ratio | 22.9635% | 1,202 |
| Total risk-based capital ratio | 24.2132% | 1,172 |
| Memoranda: | ||
| Average total assets | $311,756,000 | 2,145 |
| Average earning assets | $293,661,600 | 2,084 |
| Average equity | $32,509,200 | 2,082 |
| Average total loans | $135,536,800 | 3,169 |