Home > The Citizens State Bank > Performance and Condition Ratios
The Citizens State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4229% | 1,271 |
| Cost of funding earning assets | 1.6427% | 1,591 |
| Net interest margin | 3.7803% | 1,596 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.4379% | 4,367 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.1603% | 365 |
| Return on assets (ROA) | 2.1603% | 356 |
| Pretax return on assets | 2.2291% | 475 |
| Return on Equity (ROE) | 30.1300% | 180 |
| Retained earnings to average equity (ytd only) | 3.6752% | 3,063 |
| Net charge-offs to loans | 0.0052% | 2,523 |
| Credit loss provision to net charge-offs | 1,166.6667% | 361 |
| Earnings coverage of net charge-offs (x) | 581.8667% | 253 |
| Efficiency ratio | 38.7294% | 4,385 |
| Assets per employee ($millions) | 10.8081% | 563 |
| Cash dividends to net income (ytd only)* | 87.8031% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,146 |
| Loan loss allowance to noncurrent loans | 1,258.3893% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 3,055 |
| Noncurrent loans to loans | 0.0973% | 3,052 |
| Net loans and leases to total assets | 75.6400% | 1,160 |
| Net loans and leases to deposits | 94.0480% | 935 |
| Net loans and leases to core deposits | 106.3183% | 1,101 |
| Total domestic deposits to total assets | 80.4300% | 3,392 |
| Equity capital to assets | 7.2478% | 3,845 |
| Core capital (leverage) ratio | 10.1628% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $383,692,400 | 2,064 |
| Average earning assets | $356,614,200 | 2,060 |
| Average equity | $27,509,000 | 2,391 |
| Average total loans | $285,807,800 | 1,847 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3283% | 1,247 |
| Cost of funding earning assets | 1.5122% | 1,567 |
| Net interest margin | 3.8162% | 1,563 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 1.4304% | 4,369 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.1810% | 385 |
| Return on assets (ROA) | 2.1810% | 383 |
| Pretax return on assets | 2.2702% | 504 |
| Return on Equity (ROE) | 30.5100% | 214 |
| Retained earnings to average equity (ytd only) | 3.4388% | 3,406 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 38.3811% | 4,399 |
| Assets per employee ($millions) | 10.4312% | 588 |
| Cash dividends to net income (ytd only)* | 88.7279% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,150 |
| Loan loss allowance to noncurrent loans | 1,673.0594% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 3,242 |
| Noncurrent loans to loans | 0.0743% | 3,226 |
| Net loans and leases to total assets | 75.4500% | 1,184 |
| Net loans and leases to deposits | 92.2649% | 1,030 |
| Net loans and leases to core deposits | 104.1123% | 1,116 |
| Total domestic deposits to total assets | 81.7800% | 3,254 |
| Equity capital to assets | 6.5435% | 3,817 |
| Core capital (leverage) ratio | 10.1719% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $379,640,500 | 2,081 |
| Average earning assets | $352,946,500 | 2,080 |
| Average equity | $27,140,250 | 2,395 |
| Average total loans | $280,697,750 | 1,871 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1345% | 1,312 |
| Cost of funding earning assets | 1.3709% | 1,527 |
| Net interest margin | 3.7637% | 1,692 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.4489% | 4,369 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 2.1397% | 381 |
| Return on assets (ROA) | 2.1397% | 375 |
| Pretax return on assets | 2.2223% | 517 |
| Return on Equity (ROE) | 29.0900% | 234 |
| Retained earnings to average equity (ytd only) | 2.1175% | 3,700 |
| Net charge-offs to loans | -0.0043% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 39.3242% | 4,411 |
| Assets per employee ($millions) | 10.3614% | 597 |
| Cash dividends to net income (ytd only)* | 92.7210% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 1,782 |
| Loan loss allowance to noncurrent loans | 1,652.9680% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 3,179 |
| Noncurrent loans to loans | 0.0807% | 3,112 |
| Net loans and leases to total assets | 71.7400% | 1,564 |
| Net loans and leases to deposits | 83.7220% | 1,698 |
| Net loans and leases to core deposits | 93.7569% | 1,579 |
| Total domestic deposits to total assets | 85.6900% | 2,332 |
| Equity capital to assets | 7.3360% | 3,616 |
| Core capital (leverage) ratio | 10.2887% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $377,536,333 | 2,091 |
| Average earning assets | $351,306,667 | 2,087 |
| Average equity | $27,768,667 | 2,375 |
| Average total loans | $275,975,333 | 1,885 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9737% | 1,277 |
| Cost of funding earning assets | 1.1519% | 1,589 |
| Net interest margin | 3.8218% | 1,642 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.4239% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2401% | 347 |
| Return on assets (ROA) | 2.2401% | 346 |
| Pretax return on assets | 2.3149% | 469 |
| Return on Equity (ROE) | 30.4200% | 226 |
| Retained earnings to average equity (ytd only) | 2.8601% | 3,536 |
| Net charge-offs to loans | -0.0072% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 38.0845% | 4,488 |
| Assets per employee ($millions) | 10.7230% | 562 |
| Cash dividends to net income (ytd only)* | 90.5971% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 2,008 |
| Loan loss allowance to noncurrent loans | 497.6454% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 2,211 |
| Noncurrent loans to loans | 0.2626% | 2,205 |
| Net loans and leases to total assets | 70.3100% | 1,591 |
| Net loans and leases to deposits | 84.0035% | 1,500 |
| Net loans and leases to core deposits | 93.0670% | 1,451 |
| Total domestic deposits to total assets | 83.6900% | 3,160 |
| Equity capital to assets | 7.3925% | 3,623 |
| Core capital (leverage) ratio | 10.0981% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $379,799,000 | 2,103 |
| Average earning assets | $352,814,000 | 2,105 |
| Average equity | $27,971,000 | 2,388 |
| Average total loans | $278,354,000 | 1,887 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 1,690 |
| Cost of funding earning assets | 0.5751% | 991 |
| Net interest margin | 3.4344% | 2,143 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.3763% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9365% | 331 |
| Return on assets (ROA) | 1.9367% | 320 |
| Pretax return on assets | 2.0201% | 461 |
| Return on Equity (ROE) | 23.9800% | 245 |
| Retained earnings to average equity (ytd only) | 3.3722% | 3,602 |
| Net charge-offs to loans | -0.0088% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.4784% | 4,530 |
| Assets per employee ($millions) | 10.3769% | 594 |
| Cash dividends to net income (ytd only)* | 85.9354% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 2,019 |
| Loan loss allowance to noncurrent loans | 25,635.7143% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 3,900 |
| Noncurrent loans to loans | 0.0050% | 3,841 |
| Net loans and leases to total assets | 74.4500% | 1,182 |
| Net loans and leases to deposits | 90.1595% | 1,044 |
| Net loans and leases to core deposits | 98.4708% | 1,083 |
| Total domestic deposits to total assets | 82.5800% | 3,519 |
| Equity capital to assets | 7.3360% | 3,468 |
| Core capital (leverage) ratio | 10.3103% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $383,640,800 | 2,090 |
| Average earning assets | $360,087,600 | 2,067 |
| Average equity | $30,988,800 | 2,294 |
| Average total loans | $271,440,200 | 1,851 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8357% | 1,652 |
| Cost of funding earning assets | 0.5154% | 700 |
| Net interest margin | 3.3203% | 2,234 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.3593% | 4,542 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.8382% | 395 |
| Return on assets (ROA) | 1.8386% | 385 |
| Pretax return on assets | 1.9266% | 547 |
| Return on Equity (ROE) | 22.2700% | 279 |
| Retained earnings to average equity (ytd only) | 2.8310% | 3,821 |
| Net charge-offs to loans | -0.0094% | 3,686 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.3073% | 4,540 |
| Assets per employee ($millions) | 10.1052% | 640 |
| Cash dividends to net income (ytd only)* | 87.2864% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 1,883 |
| Loan loss allowance to noncurrent loans | 3,287.1560% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,638 |
| Noncurrent loans to loans | 0.0405% | 3,598 |
| Net loans and leases to total assets | 71.0300% | 1,392 |
| Net loans and leases to deposits | 83.3608% | 1,349 |
| Net loans and leases to core deposits | 90.7302% | 1,256 |
| Total domestic deposits to total assets | 85.2100% | 3,235 |
| Equity capital to assets | 7.1338% | 3,437 |
| Core capital (leverage) ratio | 9.9757% | 2,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $386,158,500 | 2,095 |
| Average earning assets | $363,735,750 | 2,073 |
| Average equity | $31,884,750 | 2,281 |
| Average total loans | $268,871,750 | 1,857 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6755% | 1,604 |
| Cost of funding earning assets | 0.5125% | 482 |
| Net interest margin | 3.1630% | 2,315 |
| Noninterest income to average assets | 0.1681% | 4,171 |
| Noninterest expense to average assets | 1.3453% | 4,567 |
| Loan and lease loss provision to assets | 0.0077% | 2,461 |
| Net operating income to assets | 1.7138% | 417 |
| Return on assets (ROA) | 1.7143% | 409 |
| Pretax return on assets | 1.8014% | 596 |
| Return on Equity (ROE) | 19.8977% | 313 |
| Retained earnings to average equity (ytd only) | 1.2551% | 3,934 |
| Net charge-offs to loans | -0.0015% | 3,078 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6552% | 4,549 |
| Assets per employee ($millions) | 10.0709% | 642 |
| Cash dividends to net income (ytd only)* | 93.6921% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 2,002 |
| Loan loss allowance to noncurrent loans | 635.8289% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 2,271 |
| Noncurrent loans to loans | 0.2110% | 2,658 |
| Net loans and leases to total assets | 68.5539% | 1,432 |
| Net loans and leases to deposits | 82.4750% | 1,214 |
| Net loans and leases to core deposits | 90.1572% | 1,111 |
| Total domestic deposits to total assets | 83.1208% | 3,858 |
| Equity capital to assets | 7.5128% | 3,468 |
| Core capital (leverage) ratio | 9.5625% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,246,667 | 2,090 |
| Average earning assets | $368,382,667 | 2,071 |
| Average equity | $33,622,000 | 2,252 |
| Average total loans | $268,771,333 | 1,859 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6108% | 1,480 |
| Cost of funding earning assets | 0.5206% | 447 |
| Net interest margin | 3.0902% | 2,205 |
| Noninterest income to average assets | 0.1736% | 4,129 |
| Noninterest expense to average assets | 1.3532% | 4,575 |
| Loan and lease loss provision to assets | 0.0152% | 2,076 |
| Net operating income to assets | 1.6355% | 469 |
| Return on assets (ROA) | 1.6365% | 469 |
| Pretax return on assets | 1.7227% | 653 |
| Return on Equity (ROE) | 17.8825% | 352 |
| Retained earnings to average equity (ytd only) | -1.7860% | 4,230 |
| Net charge-offs to loans | -0.0059% | 3,396 |
| Credit loss provision to net charge-offs | -375.0000% | 3,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7911% | 4,558 |
| Assets per employee ($millions) | 10.2040% | 651 |
| Cash dividends to net income (ytd only)* | 109.9876% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 2,196 |
| Loan loss allowance to noncurrent loans | 794.6548% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 2,582 |
| Noncurrent loans to loans | 0.1681% | 2,971 |
| Net loans and leases to total assets | 66.2338% | 1,387 |
| Net loans and leases to deposits | 80.9092% | 1,083 |
| Net loans and leases to core deposits | 88.3981% | 1,000 |
| Total domestic deposits to total assets | 81.8619% | 4,093 |
| Equity capital to assets | 8.4539% | 3,201 |
| Core capital (leverage) ratio | 9.1651% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $394,022,000 | 2,078 |
| Average earning assets | $371,884,000 | 2,062 |
| Average equity | $36,057,500 | 2,212 |
| Average total loans | $270,197,000 | 1,838 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 1,145 |
| Cost of funding earning assets | 0.6379% | 452 |
| Net interest margin | 3.4705% | 1,830 |
| Noninterest income to average assets | 0.2155% | 4,075 |
| Noninterest expense to average assets | 1.3877% | 4,630 |
| Loan and lease loss provision to assets | 0.0182% | 2,707 |
| Net operating income to assets | 1.9907% | 343 |
| Return on assets (ROA) | 1.9907% | 364 |
| Pretax return on assets | 2.0766% | 525 |
| Return on Equity (ROE) | 19.7999% | 318 |
| Retained earnings to average equity (ytd only) | 2.5979% | 3,799 |
| Net charge-offs to loans | 0.0326% | 1,583 |
| Credit loss provision to net charge-offs | 78.6517% | 1,962 |
| Earnings coverage of net charge-offs (x) | 90.7416% | 924 |
| Efficiency ratio | 39.8481% | 4,691 |
| Assets per employee ($millions) | 10.0022% | 665 |
| Cash dividends to net income (ytd only)* | 86.8795% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 2,359 |
| Loan loss allowance to noncurrent loans | 3,287.0370% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 3,316 |
| Noncurrent loans to loans | 0.0395% | 3,793 |
| Net loans and leases to total assets | 69.1369% | 1,135 |
| Net loans and leases to deposits | 87.1797% | 703 |
| Net loans and leases to core deposits | 95.7197% | 704 |
| Total domestic deposits to total assets | 79.3038% | 4,286 |
| Equity capital to assets | 9.8624% | 2,789 |
| Core capital (leverage) ratio | 9.5876% | 2,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,535,800 | 2,037 |
| Average earning assets | $362,918,600 | 2,026 |
| Average equity | $38,762,800 | 2,128 |
| Average total loans | $272,837,400 | 1,822 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 1,060 |
| Cost of funding earning assets | 0.6655% | 461 |
| Net interest margin | 3.5671% | 1,679 |
| Noninterest income to average assets | 0.1689% | 4,358 |
| Noninterest expense to average assets | 1.3916% | 4,696 |
| Loan and lease loss provision to assets | 0.0086% | 2,812 |
| Net operating income to assets | 2.0503% | 425 |
| Return on assets (ROA) | 2.0503% | 450 |
| Pretax return on assets | 2.1283% | 647 |
| Return on Equity (ROE) | 20.2936% | 407 |
| Retained earnings to average equity (ytd only) | 4.1988% | 3,513 |
| Net charge-offs to loans | 0.0284% | 1,486 |
| Credit loss provision to net charge-offs | 43.1034% | 1,898 |
| Earnings coverage of net charge-offs (x) | 106.2241% | 845 |
| Efficiency ratio | 39.4377% | 4,737 |
| Assets per employee ($millions) | 10.1386% | 615 |
| Cash dividends to net income (ytd only)* | 79.3098% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 2,499 |
| Loan loss allowance to noncurrent loans | 1,024.9275% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 3,098 |
| Noncurrent loans to loans | 0.1266% | 3,471 |
| Net loans and leases to total assets | 69.8163% | 1,091 |
| Net loans and leases to deposits | 88.6126% | 681 |
| Net loans and leases to core deposits | 97.4862% | 674 |
| Total domestic deposits to total assets | 78.7883% | 4,350 |
| Equity capital to assets | 10.2394% | 2,669 |
| Core capital (leverage) ratio | 9.7261% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $384,398,000 | 2,070 |
| Average earning assets | $362,038,500 | 2,053 |
| Average equity | $38,835,500 | 2,145 |
| Average total loans | $272,735,750 | 1,855 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0876% | 1,370 |
| Cost of funding earning assets | 0.7067% | 452 |
| Net interest margin | 3.3809% | 2,200 |
| Noninterest income to average assets | 0.1770% | 4,314 |
| Noninterest expense to average assets | 1.4173% | 4,702 |
| Loan and lease loss provision to assets | 0.0130% | 2,690 |
| Net operating income to assets | 1.8521% | 648 |
| Return on assets (ROA) | 1.8521% | 676 |
| Pretax return on assets | 1.9302% | 953 |
| Return on Equity (ROE) | 18.4153% | 604 |
| Retained earnings to average equity (ytd only) | 3.0545% | 3,821 |
| Net charge-offs to loans | 0.0007% | 2,219 |
| Credit loss provision to net charge-offs | 2,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 3,732.0000% | 20 |
| Efficiency ratio | 42.1754% | 4,692 |
| Assets per employee ($millions) | 10.0715% | 591 |
| Cash dividends to net income (ytd only)* | 83.4130% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 2,403 |
| Loan loss allowance to noncurrent loans | 630.1754% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 2,883 |
| Noncurrent loans to loans | 0.2073% | 3,217 |
| Net loans and leases to total assets | 70.9166% | 1,097 |
| Net loans and leases to deposits | 89.8361% | 662 |
| Net loans and leases to core deposits | 98.7879% | 693 |
| Total domestic deposits to total assets | 78.9401% | 4,351 |
| Equity capital to assets | 10.1362% | 2,735 |
| Core capital (leverage) ratio | 9.3262% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $384,108,000 | 2,062 |
| Average earning assets | $361,681,333 | 2,049 |
| Average equity | $38,631,000 | 2,150 |
| Average total loans | $272,809,000 | 1,868 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 2,070 |
| Cost of funding earning assets | 0.7314% | 487 |
| Net interest margin | 3.0800% | 3,053 |
| Noninterest income to average assets | 0.2058% | 4,149 |
| Noninterest expense to average assets | 1.4075% | 4,739 |
| Loan and lease loss provision to assets | 0.0260% | 2,438 |
| Net operating income to assets | 1.5967% | 1,138 |
| Return on assets (ROA) | 1.5967% | 1,188 |
| Pretax return on assets | 1.6746% | 1,550 |
| Return on Equity (ROE) | 15.9377% | 1,028 |
| Retained earnings to average equity (ytd only) | -1.1518% | 4,478 |
| Net charge-offs to loans | -0.0029% | 3,220 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2843% | 4,512 |
| Assets per employee ($millions) | 10.2093% | 558 |
| Cash dividends to net income (ytd only)* | 107.2266% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 2,231 |
| Loan loss allowance to noncurrent loans | 348.4496% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 2,546 |
| Noncurrent loans to loans | 0.3858% | 2,712 |
| Net loans and leases to total assets | 66.2842% | 1,761 |
| Net loans and leases to deposits | 85.1664% | 1,034 |
| Net loans and leases to core deposits | 94.5763% | 944 |
| Total domestic deposits to total assets | 77.8291% | 4,453 |
| Equity capital to assets | 9.5155% | 3,187 |
| Core capital (leverage) ratio | 9.1512% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $384,803,500 | 2,046 |
| Average earning assets | $362,594,000 | 2,031 |
| Average equity | $38,550,000 | 2,144 |
| Average total loans | $271,712,500 | 1,870 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 1,263 |
| Cost of funding earning assets | 1.0531% | 488 |
| Net interest margin | 3.4664% | 2,574 |
| Noninterest income to average assets | 0.1654% | 4,468 |
| Noninterest expense to average assets | 1.3687% | 4,853 |
| Loan and lease loss provision to assets | 0.0342% | 3,976 |
| Net operating income to assets | 1.9264% | 301 |
| Return on assets (ROA) | 1.9332% | 322 |
| Pretax return on assets | 2.0239% | 437 |
| Return on Equity (ROE) | 18.3157% | 313 |
| Retained earnings to average equity (ytd only) | 2.2360% | 3,736 |
| Net charge-offs to loans | 0.0872% | 1,593 |
| Credit loss provision to net charge-offs | 51.8672% | 3,133 |
| Earnings coverage of net charge-offs (x) | 31.0830% | 1,579 |
| Efficiency ratio | 40.0240% | 4,870 |
| Assets per employee ($millions) | 9.5243% | 618 |
| Cash dividends to net income (ytd only)* | 87.7921% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,446 |
| Loan loss allowance to noncurrent loans | 561.0063% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 3,112 |
| Noncurrent loans to loans | 0.2305% | 3,377 |
| Net loans and leases to total assets | 73.3197% | 1,113 |
| Net loans and leases to deposits | 97.0989% | 501 |
| Net loans and leases to core deposits | 109.1210% | 537 |
| Total domestic deposits to total assets | 75.5103% | 4,539 |
| Equity capital to assets | 10.5569% | 2,622 |
| Core capital (leverage) ratio | 9.6916% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2431% | 2,532 |
| Memoranda: | ||
| Average total assets | $365,242,400 | 1,982 |
| Average earning assets | $342,895,000 | 1,967 |
| Average equity | $38,551,600 | 2,075 |
| Average total loans | $276,509,000 | 1,792 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6095% | 1,274 |
| Cost of funding earning assets | 1.1136% | 509 |
| Net interest margin | 3.4959% | 2,603 |
| Noninterest income to average assets | 0.1547% | 4,519 |
| Noninterest expense to average assets | 1.3539% | 4,886 |
| Loan and lease loss provision to assets | 0.0459% | 3,784 |
| Net operating income to assets | 1.9339% | 342 |
| Return on assets (ROA) | 1.9419% | 368 |
| Pretax return on assets | 2.0467% | 476 |
| Return on Equity (ROE) | 18.3985% | 331 |
| Retained earnings to average equity (ytd only) | 2.2056% | 3,859 |
| Net charge-offs to loans | -0.0280% | 4,503 |
| Credit loss provision to net charge-offs | -215.5172% | 3,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3794% | 4,906 |
| Assets per employee ($millions) | 9.3872% | 620 |
| Cash dividends to net income (ytd only)* | 88.0121% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 1,733 |
| Loan loss allowance to noncurrent loans | 293.9210% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 2,471 |
| Noncurrent loans to loans | 0.4766% | 2,627 |
| Net loans and leases to total assets | 74.3643% | 1,328 |
| Net loans and leases to deposits | 100.4939% | 517 |
| Net loans and leases to core deposits | 112.9853% | 595 |
| Total domestic deposits to total assets | 73.9988% | 4,565 |
| Equity capital to assets | 10.6031% | 2,703 |
| Core capital (leverage) ratio | 9.7019% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0080% | 2,608 |
| Memoranda: | ||
| Average total assets | $363,691,500 | 1,964 |
| Average earning assets | $341,573,750 | 1,953 |
| Average equity | $38,386,250 | 2,078 |
| Average total loans | $276,658,500 | 1,777 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7267% | 1,343 |
| Cost of funding earning assets | 1.1768% | 549 |
| Net interest margin | 3.5498% | 2,634 |
| Noninterest income to average assets | 0.1598% | 4,492 |
| Noninterest expense to average assets | 1.3343% | 4,931 |
| Loan and lease loss provision to assets | 0.0551% | 3,612 |
| Net operating income to assets | 1.9990% | 337 |
| Return on assets (ROA) | 2.0105% | 363 |
| Pretax return on assets | 2.1158% | 423 |
| Return on Equity (ROE) | 19.0783% | 300 |
| Retained earnings to average equity (ytd only) | 2.5783% | 3,555 |
| Net charge-offs to loans | -0.0477% | 4,671 |
| Credit loss provision to net charge-offs | -151.5152% | 3,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1982% | 4,951 |
| Assets per employee ($millions) | 9.5568% | 575 |
| Cash dividends to net income (ytd only)* | 86.4857% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,591 |
| Loan loss allowance to noncurrent loans | 303.0685% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 2,669 |
| Noncurrent loans to loans | 0.4616% | 2,759 |
| Net loans and leases to total assets | 72.8467% | 1,579 |
| Net loans and leases to deposits | 97.7900% | 669 |
| Net loans and leases to core deposits | 111.6135% | 684 |
| Total domestic deposits to total assets | 74.4930% | 4,559 |
| Equity capital to assets | 10.4273% | 2,812 |
| Core capital (leverage) ratio | 9.6718% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9350% | 2,642 |
| Memoranda: | ||
| Average total assets | $362,889,000 | 1,955 |
| Average earning assets | $340,747,333 | 1,941 |
| Average equity | $38,242,333 | 2,066 |
| Average total loans | $276,839,667 | 1,757 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9350% | 1,101 |
| Cost of funding earning assets | 1.2814% | 593 |
| Net interest margin | 3.6536% | 2,493 |
| Noninterest income to average assets | 0.1799% | 4,465 |
| Noninterest expense to average assets | 1.3621% | 4,980 |
| Loan and lease loss provision to assets | 0.0279% | 3,441 |
| Net operating income to assets | 2.1109% | 221 |
| Return on assets (ROA) | 2.1342% | 233 |
| Pretax return on assets | 2.2426% | 270 |
| Return on Equity (ROE) | 20.1416% | 162 |
| Retained earnings to average equity (ytd only) | 1.9509% | 3,462 |
| Net charge-offs to loans | -0.0245% | 4,404 |
| Credit loss provision to net charge-offs | -147.0588% | 3,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7516% | 5,012 |
| Assets per employee ($millions) | 9.2755% | 483 |
| Cash dividends to net income (ytd only)* | 90.3141% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 1,946 |
| Loan loss allowance to noncurrent loans | 332.3818% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 2,935 |
| Noncurrent loans to loans | 0.4035% | 3,045 |
| Net loans and leases to total assets | 75.7744% | 1,339 |
| Net loans and leases to deposits | 102.1434% | 445 |
| Net loans and leases to core deposits | 116.7051% | 565 |
| Total domestic deposits to total assets | 74.1843% | 4,647 |
| Equity capital to assets | 10.6210% | 3,213 |
| Core capital (leverage) ratio | 9.8787% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9444% | 2,731 |
| Memoranda: | ||
| Average total assets | $357,976,500 | 1,929 |
| Average earning assets | $335,887,500 | 1,913 |
| Average equity | $37,931,500 | 2,073 |
| Average total loans | $277,578,500 | 1,725 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1538% | 1,100 |
| Cost of funding earning assets | 1.3267% | 713 |
| Net interest margin | 3.8271% | 2,415 |
| Noninterest income to average assets | 0.1787% | 4,598 |
| Noninterest expense to average assets | 1.3961% | 5,042 |
| Loan and lease loss provision to assets | 0.0286% | 3,443 |
| Net operating income to assets | 2.2364% | 208 |
| Return on assets (ROA) | 2.2402% | 220 |
| Pretax return on assets | 2.3410% | 280 |
| Return on Equity (ROE) | 21.9079% | 140 |
| Retained earnings to average equity (ytd only) | 2.6097% | 3,728 |
| Net charge-offs to loans | 0.0191% | 3,044 |
| Credit loss provision to net charge-offs | 188.6792% | 1,399 |
| Earnings coverage of net charge-offs (x) | 155.8868% | 483 |
| Efficiency ratio | 37.1137% | 5,097 |
| Assets per employee ($millions) | 9.0823% | 490 |
| Cash dividends to net income (ytd only)* | 88.0879% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 1,800 |
| Loan loss allowance to noncurrent loans | 612.1262% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 3,495 |
| Noncurrent loans to loans | 0.2171% | 3,678 |
| Net loans and leases to total assets | 77.2529% | 1,214 |
| Net loans and leases to deposits | 104.9129% | 343 |
| Net loans and leases to core deposits | 119.7385% | 484 |
| Total domestic deposits to total assets | 73.6353% | 4,789 |
| Equity capital to assets | 10.5706% | 3,373 |
| Core capital (leverage) ratio | 10.0304% | 3,484 |
| Tier 1 risk-based capital ratio | 11.7430% | 4,502 |
| Total risk-based capital ratio | 12.9768% | 4,390 |
| Memoranda: | ||
| Average total assets | $349,251,400 | 1,910 |
| Average earning assets | $326,980,400 | 1,892 |
| Average equity | $35,713,200 | 2,109 |
| Average total loans | $277,605,600 | 1,699 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1653% | 1,118 |
| Cost of funding earning assets | 1.3283% | 723 |
| Net interest margin | 3.8369% | 2,481 |
| Noninterest income to average assets | 0.1705% | 4,696 |
| Noninterest expense to average assets | 1.3857% | 5,120 |
| Loan and lease loss provision to assets | 0.0192% | 3,527 |
| Net operating income to assets | 2.2457% | 250 |
| Return on assets (ROA) | 2.2508% | 258 |
| Pretax return on assets | 2.3631% | 329 |
| Return on Equity (ROE) | 22.2021% | 155 |
| Retained earnings to average equity (ytd only) | 2.8494% | 3,952 |
| Net charge-offs to loans | -0.0005% | 3,969 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8292% | 5,166 |
| Assets per employee ($millions) | 9.1921% | 447 |
| Cash dividends to net income (ytd only)* | 87.1659% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 1,810 |
| Loan loss allowance to noncurrent loans | 1,075.8017% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 3,909 |
| Noncurrent loans to loans | 0.1243% | 4,093 |
| Net loans and leases to total assets | 77.9595% | 1,150 |
| Net loans and leases to deposits | 106.1588% | 316 |
| Net loans and leases to core deposits | 120.7764% | 511 |
| Total domestic deposits to total assets | 73.4367% | 4,841 |
| Equity capital to assets | 10.6874% | 3,391 |
| Core capital (leverage) ratio | 10.0778% | 3,555 |
| Tier 1 risk-based capital ratio | 11.6990% | 4,571 |
| Total risk-based capital ratio | 12.9361% | 4,480 |
| Memoranda: | ||
| Average total assets | $348,012,250 | 1,928 |
| Average earning assets | $325,809,750 | 1,912 |
| Average equity | $35,281,000 | 2,139 |
| Average total loans | $277,676,750 | 1,710 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1068% | 1,198 |
| Cost of funding earning assets | 1.3029% | 731 |
| Net interest margin | 3.8040% | 2,578 |
| Noninterest income to average assets | 0.1663% | 4,756 |
| Noninterest expense to average assets | 1.3666% | 5,178 |
| Loan and lease loss provision to assets | 0.0144% | 3,490 |
| Net operating income to assets | 2.2396% | 245 |
| Return on assets (ROA) | 2.2423% | 255 |
| Pretax return on assets | 2.3632% | 309 |
| Return on Equity (ROE) | 22.5275% | 153 |
| Retained earnings to average equity (ytd only) | 3.7864% | 3,362 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5272% | 5,212 |
| Assets per employee ($millions) | 9.2316% | 425 |
| Cash dividends to net income (ytd only)* | 83.1922% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 1,963 |
| Loan loss allowance to noncurrent loans | 441.4458% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 3,327 |
| Noncurrent loans to loans | 0.2972% | 3,473 |
| Net loans and leases to total assets | 78.5646% | 1,111 |
| Net loans and leases to deposits | 106.3025% | 327 |
| Net loans and leases to core deposits | 120.8360% | 520 |
| Total domestic deposits to total assets | 73.9067% | 4,839 |
| Equity capital to assets | 10.1466% | 3,840 |
| Core capital (leverage) ratio | 9.5920% | 4,051 |
| Tier 1 risk-based capital ratio | 11.0079% | 4,903 |
| Total risk-based capital ratio | 12.2229% | 4,839 |
| Memoranda: | ||
| Average total assets | $347,583,670 | 1,944 |
| Average earning assets | $326,659,330 | 1,923 |
| Average equity | $34,597,670 | 2,162 |
| Average total loans | $278,235,330 | 1,720 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0629% | 1,187 |
| Cost of funding earning assets | 1.2823% | 696 |
| Net interest margin | 3.7805% | 2,599 |
| Noninterest income to average assets | 0.1630% | 4,763 |
| Noninterest expense to average assets | 1.3226% | 5,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2429% | 252 |
| Return on assets (ROA) | 2.2429% | 261 |
| Pretax return on assets | 2.3886% | 305 |
| Return on Equity (ROE) | 22.7569% | 151 |
| Retained earnings to average equity (ytd only) | 3.9414% | 3,331 |
| Net charge-offs to loans | -0.0029% | 3,915 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6386% | 5,276 |
| Assets per employee ($millions) | 9.0578% | 462 |
| Cash dividends to net income (ytd only)* | 82.6804% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 1,981 |
| Loan loss allowance to noncurrent loans | 1,517.0833% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 4,107 |
| Noncurrent loans to loans | 0.0873% | 4,360 |
| Net loans and leases to total assets | 78.8434% | 1,009 |
| Net loans and leases to deposits | 105.8157% | 325 |
| Net loans and leases to core deposits | 118.8421% | 560 |
| Total domestic deposits to total assets | 74.5102% | 4,891 |
| Equity capital to assets | 10.0478% | 3,777 |
| Core capital (leverage) ratio | 9.6044% | 4,017 |
| Tier 1 risk-based capital ratio | 11.0259% | 4,964 |
| Total risk-based capital ratio | 12.2470% | 4,881 |
| Memoranda: | ||
| Average total assets | $345,976,000 | 1,966 |
| Average earning assets | $324,717,000 | 1,942 |
| Average equity | $34,099,500 | 2,187 |
| Average total loans | $277,719,000 | 1,728 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 1,472 |
| Cost of funding earning assets | 1.1039% | 485 |
| Net interest margin | 3.7258% | 2,943 |
| Noninterest income to average assets | 0.1906% | 4,761 |
| Noninterest expense to average assets | 1.4070% | 5,259 |
| Loan and lease loss provision to assets | 0.0218% | 3,730 |
| Net operating income to assets | 2.1730% | 263 |
| Return on assets (ROA) | 2.1733% | 257 |
| Pretax return on assets | 2.2612% | 314 |
| Return on Equity (ROE) | 22.7270% | 137 |
| Retained earnings to average equity (ytd only) | 3.3724% | 3,730 |
| Net charge-offs to loans | 0.0087% | 3,386 |
| Credit loss provision to net charge-offs | 312.5000% | 997 |
| Earnings coverage of net charge-offs (x) | 326.7917% | 311 |
| Efficiency ratio | 38.1321% | 5,303 |
| Assets per employee ($millions) | 9.1515% | 444 |
| Cash dividends to net income (ytd only)* | 85.1614% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 2,051 |
| Loan loss allowance to noncurrent loans | 4,547.5000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 4,362 |
| Noncurrent loans to loans | 0.0285% | 4,641 |
| Net loans and leases to total assets | 79.5912% | 1,000 |
| Net loans and leases to deposits | 110.6075% | 236 |
| Net loans and leases to core deposits | 123.6483% | 451 |
| Total domestic deposits to total assets | 71.9582% | 5,074 |
| Equity capital to assets | 9.6663% | 3,986 |
| Core capital (leverage) ratio | 9.3890% | 4,246 |
| Tier 1 risk-based capital ratio | 10.3922% | 5,222 |
| Total risk-based capital ratio | 11.5540% | 5,157 |
| Memoranda: | ||
| Average total assets | $343,576,000 | 1,938 |
| Average earning assets | $322,673,200 | 1,913 |
| Average equity | $32,855,200 | 2,160 |
| Average total loans | $277,356,000 | 1,685 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7517% | 1,542 |
| Cost of funding earning assets | 1.0340% | 511 |
| Net interest margin | 3.7177% | 2,952 |
| Noninterest income to average assets | 0.1935% | 4,814 |
| Noninterest expense to average assets | 1.3733% | 5,338 |
| Loan and lease loss provision to assets | 0.0292% | 3,430 |
| Net operating income to assets | 2.1969% | 268 |
| Return on assets (ROA) | 2.1973% | 264 |
| Pretax return on assets | 2.2872% | 351 |
| Return on Equity (ROE) | 23.0412% | 129 |
| Retained earnings to average equity (ytd only) | 3.1062% | 4,195 |
| Net charge-offs to loans | 0.0072% | 3,165 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 396.6570% | 237 |
| Efficiency ratio | 37.2230% | 5,376 |
| Assets per employee ($millions) | 8.9985% | 449 |
| Cash dividends to net income (ytd only)* | 86.5191% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 2,186 |
| Loan loss allowance to noncurrent loans | 167.5551% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 2,139 |
| Noncurrent loans to loans | 0.7651% | 2,175 |
| Net loans and leases to total assets | 80.0043% | 1,020 |
| Net loans and leases to deposits | 115.5501% | 155 |
| Net loans and leases to core deposits | 127.2195% | 387 |
| Total domestic deposits to total assets | 69.2378% | 5,248 |
| Equity capital to assets | 9.3147% | 4,258 |
| Core capital (leverage) ratio | 9.3386% | 4,356 |
| Tier 1 risk-based capital ratio | 10.3447% | 5,281 |
| Total risk-based capital ratio | 11.5162% | 5,238 |
| Memoranda: | ||
| Average total assets | $342,531,000 | 1,952 |
| Average earning assets | $322,094,000 | 1,930 |
| Average equity | $32,665,250 | 2,181 |
| Average total loans | $276,589,750 | 1,696 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 1,562 |
| Cost of funding earning assets | 0.9603% | 558 |
| Net interest margin | 3.7176% | 2,868 |
| Noninterest income to average assets | 0.1919% | 4,865 |
| Noninterest expense to average assets | 1.3658% | 5,411 |
| Loan and lease loss provision to assets | 0.0442% | 3,016 |
| Net operating income to assets | 2.1924% | 263 |
| Return on assets (ROA) | 2.1929% | 255 |
| Pretax return on assets | 2.2830% | 339 |
| Return on Equity (ROE) | 22.8126% | 136 |
| Retained earnings to average equity (ytd only) | 2.3639% | 4,330 |
| Net charge-offs to loans | 0.0139% | 2,677 |
| Credit loss provision to net charge-offs | 394.7368% | 832 |
| Earnings coverage of net charge-offs (x) | 208.0000% | 411 |
| Efficiency ratio | 36.9898% | 5,436 |
| Assets per employee ($millions) | 9.0628% | 435 |
| Cash dividends to net income (ytd only)* | 89.6376% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 2,148 |
| Loan loss allowance to noncurrent loans | 2,718.6567% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 4,454 |
| Noncurrent loans to loans | 0.0480% | 4,704 |
| Net loans and leases to total assets | 80.0817% | 1,003 |
| Net loans and leases to deposits | 114.1684% | 193 |
| Net loans and leases to core deposits | 124.1910% | 456 |
| Total domestic deposits to total assets | 70.1435% | 5,274 |
| Equity capital to assets | 9.4899% | 4,116 |
| Core capital (leverage) ratio | 9.4158% | 4,227 |
| Tier 1 risk-based capital ratio | 10.6425% | 5,213 |
| Total risk-based capital ratio | 11.8610% | 5,125 |
| Memoranda: | ||
| Average total assets | $339,728,000 | 1,969 |
| Average earning assets | $319,886,330 | 1,942 |
| Average equity | $32,657,330 | 2,187 |
| Average total loans | $273,982,000 | 1,716 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 1,539 |
| Cost of funding earning assets | 0.9179% | 546 |
| Net interest margin | 3.6919% | 2,833 |
| Noninterest income to average assets | 0.1956% | 4,848 |
| Noninterest expense to average assets | 1.3325% | 5,484 |
| Loan and lease loss provision to assets | 0.0593% | 2,582 |
| Net operating income to assets | 2.1874% | 250 |
| Return on assets (ROA) | 2.1885% | 250 |
| Pretax return on assets | 2.2762% | 334 |
| Return on Equity (ROE) | 22.6191% | 141 |
| Retained earnings to average equity (ytd only) | 0.7719% | 4,671 |
| Net charge-offs to loans | -0.0074% | 4,138 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3401% | 5,510 |
| Assets per employee ($millions) | 8.4142% | 544 |
| Cash dividends to net income (ytd only)* | 96.5872% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 2,029 |
| Loan loss allowance to noncurrent loans | 1,734.2857% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 4,425 |
| Noncurrent loans to loans | 0.0777% | 4,637 |
| Net loans and leases to total assets | 79.2427% | 1,043 |
| Net loans and leases to deposits | 103.8482% | 483 |
| Net loans and leases to core deposits | 110.8118% | 958 |
| Total domestic deposits to total assets | 76.3063% | 4,938 |
| Equity capital to assets | 9.5559% | 4,038 |
| Core capital (leverage) ratio | 9.3962% | 4,196 |
| Tier 1 risk-based capital ratio | 10.5317% | 5,344 |
| Total risk-based capital ratio | 11.7502% | 5,263 |
| Memoranda: | ||
| Average total assets | $337,398,500 | 1,990 |
| Average earning assets | $317,236,500 | 1,971 |
| Average equity | $32,645,000 | 2,197 |
| Average total loans | $271,256,000 | 1,734 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 1,621 |
| Cost of funding earning assets | 0.9034% | 368 |
| Net interest margin | 3.6255% | 3,085 |
| Noninterest income to average assets | 0.2043% | 4,921 |
| Noninterest expense to average assets | 1.3611% | 5,539 |
| Loan and lease loss provision to assets | 0.0150% | 3,992 |
| Net operating income to assets | 2.1574% | 209 |
| Return on assets (ROA) | 2.1611% | 210 |
| Pretax return on assets | 2.2457% | 294 |
| Return on Equity (ROE) | 21.9802% | 125 |
| Retained earnings to average equity (ytd only) | 3.2304% | 3,361 |
| Net charge-offs to loans | -0.1082% | 5,387 |
| Credit loss provision to net charge-offs | -17.1821% | 4,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6209% | 5,564 |
| Assets per employee ($millions) | 8.6726% | 503 |
| Cash dividends to net income (ytd only)* | 85.3031% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 2,127 |
| Loan loss allowance to noncurrent loans | 1,918.1818% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 4,497 |
| Noncurrent loans to loans | 0.0687% | 4,690 |
| Net loans and leases to total assets | 79.4070% | 1,055 |
| Net loans and leases to deposits | 106.4624% | 382 |
| Net loans and leases to core deposits | 111.5964% | 919 |
| Total domestic deposits to total assets | 74.5869% | 5,126 |
| Equity capital to assets | 9.7945% | 3,922 |
| Core capital (leverage) ratio | 9.3906% | 4,178 |
| Tier 1 risk-based capital ratio | 11.1408% | 5,067 |
| Total risk-based capital ratio | 12.3909% | 4,950 |
| Memoranda: | ||
| Average total assets | $334,368,400 | 1,985 |
| Average earning assets | $314,823,000 | 1,964 |
| Average equity | $32,875,000 | 2,174 |
| Average total loans | $268,859,800 | 1,717 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 1,683 |
| Cost of funding earning assets | 0.8970% | 349 |
| Net interest margin | 3.5896% | 3,194 |
| Noninterest income to average assets | 0.2104% | 4,956 |
| Noninterest expense to average assets | 1.3161% | 5,608 |
| Loan and lease loss provision to assets | 0.0100% | 3,935 |
| Net operating income to assets | 2.1825% | 220 |
| Return on assets (ROA) | 2.1875% | 224 |
| Pretax return on assets | 2.2759% | 306 |
| Return on Equity (ROE) | 22.2273% | 135 |
| Retained earnings to average equity (ytd only) | 3.3483% | 3,936 |
| Net charge-offs to loans | -0.1572% | 5,486 |
| Credit loss provision to net charge-offs | -7.9114% | 4,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5911% | 5,633 |
| Assets per employee ($millions) | 8.6287% | 496 |
| Cash dividends to net income (ytd only)* | 84.9360% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 2,235 |
| Loan loss allowance to noncurrent loans | 159.7061% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.7384% | 2,286 |
| Noncurrent loans to loans | 0.8301% | 2,288 |
| Net loans and leases to total assets | 79.3385% | 1,076 |
| Net loans and leases to deposits | 110.0541% | 270 |
| Net loans and leases to core deposits | 115.6372% | 760 |
| Total domestic deposits to total assets | 72.0904% | 5,369 |
| Equity capital to assets | 9.9498% | 3,961 |
| Core capital (leverage) ratio | 9.3455% | 4,353 |
| Tier 1 risk-based capital ratio | 10.9697% | 5,260 |
| Total risk-based capital ratio | 12.2196% | 5,153 |
| Memoranda: | ||
| Average total assets | $333,402,750 | 1,999 |
| Average earning assets | $314,532,250 | 1,979 |
| Average equity | $32,811,750 | 2,192 |
| Average total loans | $268,033,250 | 1,727 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4292% | 1,726 |
| Cost of funding earning assets | 0.8762% | 356 |
| Net interest margin | 3.5531% | 3,204 |
| Noninterest income to average assets | 0.2112% | 4,992 |
| Noninterest expense to average assets | 1.3214% | 5,660 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.1573% | 232 |
| Return on assets (ROA) | 2.1573% | 238 |
| Pretax return on assets | 2.2451% | 325 |
| Return on Equity (ROE) | 22.0020% | 140 |
| Retained earnings to average equity (ytd only) | 2.4058% | 4,243 |
| Net charge-offs to loans | -0.2208% | 5,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0508% | 5,682 |
| Assets per employee ($millions) | 8.5926% | 485 |
| Cash dividends to net income (ytd only)* | 89.0656% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,344 |
| Loan loss allowance to noncurrent loans | 371.1740% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 3,697 |
| Noncurrent loans to loans | 0.3538% | 3,762 |
| Net loans and leases to total assets | 79.4029% | 1,036 |
| Net loans and leases to deposits | 111.4403% | 234 |
| Net loans and leases to core deposits | 117.2996% | 673 |
| Total domestic deposits to total assets | 71.2515% | 5,495 |
| Equity capital to assets | 9.9176% | 4,003 |
| Core capital (leverage) ratio | 9.2709% | 4,396 |
| Tier 1 risk-based capital ratio | 10.8363% | 5,330 |
| Total risk-based capital ratio | 12.0839% | 5,253 |
| Memoranda: | ||
| Average total assets | $332,364,000 | 2,012 |
| Average earning assets | $313,869,000 | 1,987 |
| Average equity | $32,588,000 | 2,200 |
| Average total loans | $267,185,670 | 1,734 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 1,802 |
| Cost of funding earning assets | 0.8669% | 342 |
| Net interest margin | 3.4880% | 3,314 |
| Noninterest income to average assets | 0.2079% | 5,023 |
| Noninterest expense to average assets | 1.2834% | 5,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.1306% | 252 |
| Return on assets (ROA) | 2.1306% | 259 |
| Pretax return on assets | 2.2164% | 349 |
| Return on Equity (ROE) | 21.8568% | 155 |
| Retained earnings to average equity (ytd only) | 1.0414% | 4,639 |
| Net charge-offs to loans | -0.0301% | 4,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6713% | 5,743 |
| Assets per employee ($millions) | 8.2594% | 554 |
| Cash dividends to net income (ytd only)* | 95.2354% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 2,924 |
| Loan loss allowance to noncurrent loans | 1,383.8983% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 4,689 |
| Noncurrent loans to loans | 0.0891% | 4,835 |
| Net loans and leases to total assets | 79.1935% | 951 |
| Net loans and leases to deposits | 107.6975% | 267 |
| Net loans and leases to core deposits | 113.0362% | 722 |
| Total domestic deposits to total assets | 73.5333% | 5,451 |
| Equity capital to assets | 9.8115% | 3,964 |
| Core capital (leverage) ratio | 9.2668% | 4,390 |
| Tier 1 risk-based capital ratio | 10.9702% | 5,327 |
| Total risk-based capital ratio | 12.1469% | 5,286 |
| Memoranda: | ||
| Average total assets | $330,991,000 | 2,039 |
| Average earning assets | $312,384,500 | 2,012 |
| Average equity | $32,264,500 | 2,226 |
| Average total loans | $265,964,500 | 1,750 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5076% | 1,511 |
| Cost of funding earning assets | 0.9090% | 280 |
| Net interest margin | 3.5986% | 3,068 |
| Noninterest income to average assets | 0.2215% | 5,084 |
| Noninterest expense to average assets | 1.3951% | 5,773 |
| Loan and lease loss provision to assets | 0.0313% | 3,728 |
| Net operating income to assets | 2.1212% | 256 |
| Return on assets (ROA) | 2.1212% | 263 |
| Pretax return on assets | 2.2130% | 317 |
| Return on Equity (ROE) | 20.5306% | 192 |
| Retained earnings to average equity (ytd only) | 2.1104% | 4,334 |
| Net charge-offs to loans | 0.0004% | 4,275 |
| Credit loss provision to net charge-offs | 10,000.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 7,164.0000% | 3 |
| Efficiency ratio | 38.3318% | 5,808 |
| Assets per employee ($millions) | 8.2901% | 536 |
| Cash dividends to net income (ytd only)* | 89.7209% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 3,025 |
| Loan loss allowance to noncurrent loans | 2,440.6015% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 4,864 |
| Noncurrent loans to loans | 0.0498% | 5,049 |
| Net loans and leases to total assets | 79.5464% | 960 |
| Net loans and leases to deposits | 107.3616% | 292 |
| Net loans and leases to core deposits | 112.5279% | 758 |
| Total domestic deposits to total assets | 74.0921% | 5,436 |
| Equity capital to assets | 9.6844% | 4,090 |
| Core capital (leverage) ratio | 9.3604% | 4,269 |
| Tier 1 risk-based capital ratio | 10.4770% | 5,580 |
| Total risk-based capital ratio | 11.5969% | 5,581 |
| Memoranda: | ||
| Average total assets | $319,198,600 | 2,064 |
| Average earning assets | $303,174,400 | 2,022 |
| Average equity | $32,980,000 | 2,178 |
| Average total loans | $257,162,200 | 1,751 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 1,410 |
| Cost of funding earning assets | 0.9161% | 266 |
| Net interest margin | 3.6313% | 2,958 |
| Noninterest income to average assets | 0.2261% | 5,114 |
| Noninterest expense to average assets | 1.3633% | 5,833 |
| Loan and lease loss provision to assets | 0.0316% | 3,595 |
| Net operating income to assets | 2.2010% | 245 |
| Return on assets (ROA) | 2.2010% | 257 |
| Pretax return on assets | 2.2870% | 326 |
| Return on Equity (ROE) | 20.9575% | 195 |
| Retained earnings to average equity (ytd only) | 2.5424% | 4,398 |
| Net charge-offs to loans | -0.0147% | 4,903 |
| Credit loss provision to net charge-offs | -267.8571% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0260% | 5,879 |
| Assets per employee ($millions) | 8.0832% | 571 |
| Cash dividends to net income (ytd only)* | 87.8689% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 2,926 |
| Loan loss allowance to noncurrent loans | 1,235.7414% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 4,815 |
| Noncurrent loans to loans | 0.1016% | 4,931 |
| Net loans and leases to total assets | 79.0822% | 1,025 |
| Net loans and leases to deposits | 107.2011% | 332 |
| Net loans and leases to core deposits | 113.0888% | 762 |
| Total domestic deposits to total assets | 73.7700% | 5,456 |
| Equity capital to assets | 10.3616% | 3,730 |
| Core capital (leverage) ratio | 9.4987% | 4,186 |
| Tier 1 risk-based capital ratio | 10.7218% | 5,513 |
| Total risk-based capital ratio | 11.8717% | 5,478 |
| Memoranda: | ||
| Average total assets | $316,097,000 | 2,085 |
| Average earning assets | $300,822,500 | 2,041 |
| Average equity | $33,196,500 | 2,185 |
| Average total loans | $254,696,250 | 1,771 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 1,281 |
| Cost of funding earning assets | 0.9251% | 256 |
| Net interest margin | 3.6679% | 2,830 |
| Noninterest income to average assets | 0.2251% | 5,142 |
| Noninterest expense to average assets | 1.3702% | 5,909 |
| Loan and lease loss provision to assets | 0.0319% | 3,496 |
| Net operating income to assets | 2.2373% | 215 |
| Return on assets (ROA) | 2.2373% | 225 |
| Pretax return on assets | 2.3240% | 292 |
| Return on Equity (ROE) | 21.2058% | 183 |
| Retained earnings to average equity (ytd only) | 3.2029% | 3,859 |
| Net charge-offs to loans | -0.0063% | 4,582 |
| Credit loss provision to net charge-offs | -625.0000% | 4,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7728% | 5,960 |
| Assets per employee ($millions) | 7.9944% | 567 |
| Cash dividends to net income (ytd only)* | 84.8960% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 3,107 |
| Loan loss allowance to noncurrent loans | 863.8814% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 4,723 |
| Noncurrent loans to loans | 0.1441% | 4,857 |
| Net loans and leases to total assets | 79.5325% | 981 |
| Net loans and leases to deposits | 108.8394% | 280 |
| Net loans and leases to core deposits | 114.8795% | 686 |
| Total domestic deposits to total assets | 73.0733% | 5,600 |
| Equity capital to assets | 10.4808% | 3,656 |
| Core capital (leverage) ratio | 9.5488% | 4,138 |
| Tier 1 risk-based capital ratio | 10.7556% | 5,548 |
| Total risk-based capital ratio | 11.8970% | 5,519 |
| Memoranda: | ||
| Average total assets | $313,686,670 | 2,106 |
| Average earning assets | $299,412,330 | 2,061 |
| Average equity | $33,094,670 | 2,193 |
| Average total loans | $253,280,000 | 1,779 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 1,797 |
| Cost of funding earning assets | 0.9153% | 272 |
| Net interest margin | 3.4850% | 3,534 |
| Noninterest income to average assets | 0.2279% | 5,108 |
| Noninterest expense to average assets | 1.3186% | 5,993 |
| Loan and lease loss provision to assets | 0.0322% | 3,232 |
| Net operating income to assets | 2.1285% | 265 |
| Return on assets (ROA) | 2.1285% | 277 |
| Pretax return on assets | 2.2161% | 367 |
| Return on Equity (ROE) | 20.1067% | 239 |
| Retained earnings to average equity (ytd only) | 1.9097% | 4,492 |
| Net charge-offs to loans | -0.0080% | 4,445 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9675% | 6,016 |
| Assets per employee ($millions) | 7.7378% | 627 |
| Cash dividends to net income (ytd only)* | 90.5021% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 3,058 |
| Loan loss allowance to noncurrent loans | 887.4302% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 4,793 |
| Noncurrent loans to loans | 0.1430% | 4,905 |
| Net loans and leases to total assets | 79.8437% | 837 |
| Net loans and leases to deposits | 108.0257% | 282 |
| Net loans and leases to core deposits | 112.6183% | 726 |
| Total domestic deposits to total assets | 73.9118% | 5,615 |
| Equity capital to assets | 10.6940% | 3,266 |
| Core capital (leverage) ratio | 9.6570% | 3,960 |
| Tier 1 risk-based capital ratio | 11.1140% | 5,444 |
| Total risk-based capital ratio | 12.2978% | 5,390 |
| Memoranda: | ||
| Average total assets | $310,642,000 | 2,129 |
| Average earning assets | $297,620,000 | 2,072 |
| Average equity | $32,884,500 | 2,205 |
| Average total loans | $251,154,500 | 1,793 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 2,031 |
| Cost of funding earning assets | 0.9795% | 195 |
| Net interest margin | 3.3784% | 3,999 |
| Noninterest income to average assets | 0.2330% | 5,199 |
| Noninterest expense to average assets | 1.3942% | 6,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.9770% | 358 |
| Return on assets (ROA) | 1.9810% | 365 |
| Pretax return on assets | 2.0669% | 470 |
| Return on Equity (ROE) | 18.7127% | 331 |
| Retained earnings to average equity (ytd only) | 1.9329% | 4,629 |
| Net charge-offs to loans | 0.0021% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1,264.0000% | 41 |
| Efficiency ratio | 40.3323% | 6,058 |
| Assets per employee ($millions) | 7.7943% | 616 |
| Cash dividends to net income (ytd only)* | 89.6705% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 3,182 |
| Loan loss allowance to noncurrent loans | 2,997.1429% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 5,152 |
| Noncurrent loans to loans | 0.0417% | 5,349 |
| Net loans and leases to total assets | 79.8209% | 870 |
| Net loans and leases to deposits | 107.4831% | 312 |
| Net loans and leases to core deposits | 111.6610% | 790 |
| Total domestic deposits to total assets | 74.2636% | 5,620 |
| Equity capital to assets | 10.4788% | 3,384 |
| Core capital (leverage) ratio | 9.6221% | 4,018 |
| Tier 1 risk-based capital ratio | 11.0870% | 5,471 |
| Total risk-based capital ratio | 12.2630% | 5,421 |
| Memoranda: | ||
| Average total assets | $306,403,800 | 2,115 |
| Average earning assets | $292,387,000 | 2,061 |
| Average equity | $32,437,800 | 2,174 |
| Average total loans | $242,474,200 | 1,781 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 2,076 |
| Cost of funding earning assets | 0.9821% | 198 |
| Net interest margin | 3.3685% | 4,084 |
| Noninterest income to average assets | 0.2308% | 5,273 |
| Noninterest expense to average assets | 1.3754% | 6,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.9787% | 377 |
| Return on assets (ROA) | 1.9829% | 387 |
| Pretax return on assets | 2.0721% | 528 |
| Return on Equity (ROE) | 18.6820% | 357 |
| Retained earnings to average equity (ytd only) | 1.7871% | 4,985 |
| Net charge-offs to loans | 0.0011% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2,362.4869% | 18 |
| Efficiency ratio | 39.9467% | 6,131 |
| Assets per employee ($millions) | 7.5809% | 660 |
| Cash dividends to net income (ytd only)* | 90.4342% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 2,989 |
| Loan loss allowance to noncurrent loans | 996.8354% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 5,024 |
| Noncurrent loans to loans | 0.1325% | 5,102 |
| Net loans and leases to total assets | 77.5986% | 1,163 |
| Net loans and leases to deposits | 105.7992% | 373 |
| Net loans and leases to core deposits | 110.3873% | 858 |
| Total domestic deposits to total assets | 73.3452% | 5,761 |
| Equity capital to assets | 10.7464% | 3,305 |
| Core capital (leverage) ratio | 9.8390% | 3,848 |
| Tier 1 risk-based capital ratio | 11.4465% | 5,407 |
| Total risk-based capital ratio | 12.6698% | 5,333 |
| Memoranda: | ||
| Average total assets | $305,061,500 | 2,131 |
| Average earning assets | $290,927,750 | 2,087 |
| Average equity | $32,379,750 | 2,196 |
| Average total loans | $240,091,000 | 1,803 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 2,138 |
| Cost of funding earning assets | 0.9795% | 196 |
| Net interest margin | 3.3306% | 4,168 |
| Noninterest income to average assets | 0.2421% | 5,227 |
| Noninterest expense to average assets | 1.3708% | 6,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9573% | 396 |
| Return on assets (ROA) | 1.9636% | 406 |
| Pretax return on assets | 2.0525% | 542 |
| Return on Equity (ROE) | 18.5759% | 369 |
| Retained earnings to average equity (ytd only) | 1.4794% | 4,961 |
| Net charge-offs to loans | 0.0017% | 3,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1,563.5000% | 36 |
| Efficiency ratio | 40.1187% | 6,201 |
| Assets per employee ($millions) | 7.5601% | 653 |
| Cash dividends to net income (ytd only)* | 92.0360% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 3,225 |
| Loan loss allowance to noncurrent loans | 2,460.9375% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 5,382 |
| Noncurrent loans to loans | 0.0530% | 5,529 |
| Net loans and leases to total assets | 78.8572% | 955 |
| Net loans and leases to deposits | 106.9545% | 341 |
| Net loans and leases to core deposits | 110.6806% | 797 |
| Total domestic deposits to total assets | 73.7296% | 5,814 |
| Equity capital to assets | 10.5822% | 3,353 |
| Core capital (leverage) ratio | 9.7818% | 3,890 |
| Tier 1 risk-based capital ratio | 11.3646% | 5,538 |
| Total risk-based capital ratio | 12.5871% | 5,482 |
| Memoranda: | ||
| Average total assets | $305,670,000 | 2,147 |
| Average earning assets | $291,361,330 | 2,102 |
| Average equity | $32,310,670 | 2,206 |
| Average total loans | $240,635,670 | 1,808 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 2,035 |
| Cost of funding earning assets | 0.9697% | 203 |
| Net interest margin | 3.3481% | 4,028 |
| Noninterest income to average assets | 0.3085% | 4,721 |
| Noninterest expense to average assets | 1.3316% | 6,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0748% | 296 |
| Return on assets (ROA) | 2.0748% | 316 |
| Pretax return on assets | 2.1633% | 420 |
| Return on Equity (ROE) | 19.6393% | 282 |
| Retained earnings to average equity (ytd only) | 1.7988% | 4,749 |
| Net charge-offs to loans | -0.0067% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1006% | 6,304 |
| Assets per employee ($millions) | 7.6063% | 643 |
| Cash dividends to net income (ytd only)* | 90.8407% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 3,088 |
| Loan loss allowance to noncurrent loans | 995.5836% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 5,217 |
| Noncurrent loans to loans | 0.1369% | 5,287 |
| Net loans and leases to total assets | 75.0909% | 1,336 |
| Net loans and leases to deposits | 101.0107% | 509 |
| Net loans and leases to core deposits | 104.7337% | 1,017 |
| Total domestic deposits to total assets | 74.3395% | 5,880 |
| Equity capital to assets | 10.7366% | 3,282 |
| Core capital (leverage) ratio | 8.9409% | 5,025 |
| Tier 1 risk-based capital ratio | 10.9491% | 5,830 |
| Total risk-based capital ratio | 12.1994% | 5,761 |
| Memoranda: | ||
| Average total assets | $307,302,500 | 2,147 |
| Average earning assets | $292,467,000 | 2,098 |
| Average equity | $32,465,500 | 2,210 |
| Average total loans | $240,144,500 | 1,813 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 1,854 |
| Cost of funding earning assets | 1.0209% | 207 |
| Net interest margin | 3.4809% | 3,867 |
| Noninterest income to average assets | 0.1838% | 5,757 |
| Noninterest expense to average assets | 1.4040% | 6,351 |
| Loan and lease loss provision to assets | 0.0165% | 4,278 |
| Net operating income to assets | 1.9728% | 345 |
| Return on assets (ROA) | 1.9741% | 355 |
| Pretax return on assets | 2.0597% | 455 |
| Return on Equity (ROE) | 18.9072% | 321 |
| Retained earnings to average equity (ytd only) | 1.3991% | 5,140 |
| Net charge-offs to loans | 0.0059% | 4,813 |
| Credit loss provision to net charge-offs | 357.1429% | 734 |
| Earnings coverage of net charge-offs (x) | 448.4286% | 115 |
| Efficiency ratio | 40.3572% | 6,392 |
| Assets per employee ($millions) | 7.7589% | 589 |
| Cash dividends to net income (ytd only)* | 92.6000% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 3,608 |
| Loan loss allowance to noncurrent loans | 1,761.4525% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 5,199 |
| Noncurrent loans to loans | 0.0720% | 5,589 |
| Net loans and leases to total assets | 79.1081% | 870 |
| Net loans and leases to deposits | 111.4422% | 208 |
| Net loans and leases to core deposits | 116.0042% | 527 |
| Total domestic deposits to total assets | 70.9858% | 6,145 |
| Equity capital to assets | 10.3962% | 3,614 |
| Core capital (leverage) ratio | 9.5155% | 4,220 |
| Tier 1 risk-based capital ratio | 11.8656% | 5,449 |
| Total risk-based capital ratio | 13.1133% | 5,362 |
| Memoranda: | ||
| Average total assets | $302,569,400 | 2,149 |
| Average earning assets | $286,422,200 | 2,081 |
| Average equity | $31,591,200 | 2,187 |
| Average total loans | $235,336,000 | 1,788 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 1,831 |
| Cost of funding earning assets | 1.0320% | 210 |
| Net interest margin | 3.4786% | 3,905 |
| Noninterest income to average assets | 0.2027% | 5,717 |
| Noninterest expense to average assets | 1.3194% | 6,447 |
| Loan and lease loss provision to assets | 0.0222% | 3,967 |
| Net operating income to assets | 2.0797% | 297 |
| Return on assets (ROA) | 2.0814% | 304 |
| Pretax return on assets | 2.1533% | 404 |
| Return on Equity (ROE) | 19.9129% | 288 |
| Retained earnings to average equity (ytd only) | 2.5544% | 4,766 |
| Net charge-offs to loans | 0.0075% | 4,451 |
| Credit loss provision to net charge-offs | 384.6154% | 734 |
| Earnings coverage of net charge-offs (x) | 377.0629% | 192 |
| Efficiency ratio | 37.7730% | 6,487 |
| Assets per employee ($millions) | 7.5388% | 629 |
| Cash dividends to net income (ytd only)* | 87.1723% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 3,433 |
| Loan loss allowance to noncurrent loans | 3,002.8571% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 4,703 |
| Noncurrent loans to loans | 0.0447% | 5,832 |
| Net loans and leases to total assets | 76.8141% | 1,122 |
| Net loans and leases to deposits | 103.6014% | 426 |
| Net loans and leases to core deposits | 107.6577% | 866 |
| Total domestic deposits to total assets | 74.1439% | 6,005 |
| Equity capital to assets | 10.6695% | 3,343 |
| Core capital (leverage) ratio | 9.8750% | 3,843 |
| Tier 1 risk-based capital ratio | 11.9020% | 5,552 |
| Total risk-based capital ratio | 13.1502% | 5,473 |
| Memoranda: | ||
| Average total assets | $300,623,000 | 2,171 |
| Average earning assets | $284,357,250 | 2,110 |
| Average equity | $31,422,750 | 2,204 |
| Average total loans | $232,002,750 | 1,818 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5482% | 1,669 |
| Cost of funding earning assets | 1.0363% | 213 |
| Net interest margin | 3.5119% | 3,736 |
| Noninterest income to average assets | 0.2038% | 5,736 |
| Noninterest expense to average assets | 1.3253% | 6,514 |
| Loan and lease loss provision to assets | 0.0333% | 3,624 |
| Net operating income to assets | 2.0885% | 278 |
| Return on assets (ROA) | 2.0885% | 291 |
| Pretax return on assets | 2.1604% | 395 |
| Return on Equity (ROE) | 20.1204% | 288 |
| Retained earnings to average equity (ytd only) | 2.1044% | 4,843 |
| Net charge-offs to loans | 0.0753% | 2,948 |
| Credit loss provision to net charge-offs | 57.4713% | 2,674 |
| Earnings coverage of net charge-offs (x) | 37.8621% | 1,097 |
| Efficiency ratio | 37.6609% | 6,558 |
| Assets per employee ($millions) | 7.4853% | 636 |
| Cash dividends to net income (ytd only)* | 89.5408% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 3,699 |
| Loan loss allowance to noncurrent loans | 2,333.3333% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 4,751 |
| Noncurrent loans to loans | 0.0570% | 5,869 |
| Net loans and leases to total assets | 76.3656% | 1,121 |
| Net loans and leases to deposits | 103.1075% | 393 |
| Net loans and leases to core deposits | 106.9243% | 838 |
| Total domestic deposits to total assets | 74.0641% | 6,107 |
| Equity capital to assets | 10.6365% | 3,269 |
| Core capital (leverage) ratio | 9.6681% | 4,087 |
| Tier 1 risk-based capital ratio | 11.9486% | 5,569 |
| Total risk-based capital ratio | 13.1971% | 5,498 |
| Memoranda: | ||
| Average total assets | $300,314,000 | 2,172 |
| Average earning assets | $283,496,000 | 2,113 |
| Average equity | $31,172,330 | 2,207 |
| Average total loans | $231,075,000 | 1,817 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 1,791 |
| Cost of funding earning assets | 1.0341% | 236 |
| Net interest margin | 3.4727% | 3,812 |
| Noninterest income to average assets | 0.2168% | 5,618 |
| Noninterest expense to average assets | 1.3419% | 6,586 |
| Loan and lease loss provision to assets | 0.0332% | 3,384 |
| Net operating income to assets | 2.0481% | 307 |
| Return on assets (ROA) | 2.0481% | 319 |
| Pretax return on assets | 2.1199% | 413 |
| Return on Equity (ROE) | 19.9773% | 286 |
| Retained earnings to average equity (ytd only) | 0.9081% | 5,237 |
| Net charge-offs to loans | -0.0017% | 4,691 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3942% | 6,614 |
| Assets per employee ($millions) | 7.5949% | 603 |
| Cash dividends to net income (ytd only)* | 95.4545% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 3,838 |
| Loan loss allowance to noncurrent loans | 1,208.4615% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 4,727 |
| Noncurrent loans to loans | 0.1119% | 5,792 |
| Net loans and leases to total assets | 75.4431% | 1,066 |
| Net loans and leases to deposits | 100.5118% | 419 |
| Net loans and leases to core deposits | 104.3380% | 838 |
| Total domestic deposits to total assets | 75.0589% | 6,152 |
| Equity capital to assets | 10.2243% | 3,568 |
| Core capital (leverage) ratio | 9.6314% | 4,092 |
| Tier 1 risk-based capital ratio | 11.7401% | 5,792 |
| Total risk-based capital ratio | 12.9893% | 5,732 |
| Memoranda: | ||
| Average total assets | $300,765,500 | 2,176 |
| Average earning assets | $283,925,500 | 2,115 |
| Average equity | $30,835,000 | 2,220 |
| Average total loans | $230,749,000 | 1,822 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4295% | 2,473 |
| Cost of funding earning assets | 1.1027% | 276 |
| Net interest margin | 3.3268% | 4,571 |
| Noninterest income to average assets | 0.1112% | 6,346 |
| Noninterest expense to average assets | 1.3454% | 6,661 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8255% | 461 |
| Return on assets (ROA) | 1.8255% | 467 |
| Pretax return on assets | 1.8991% | 603 |
| Return on Equity (ROE) | 17.3365% | 472 |
| Retained earnings to average equity (ytd only) | 1.4168% | 5,186 |
| Net charge-offs to loans | 0.0195% | 5,051 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 127.2955% | 366 |
| Efficiency ratio | 41.4672% | 6,665 |
| Assets per employee ($millions) | 7.4434% | 618 |
| Cash dividends to net income (ytd only)* | 91.8276% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 3,842 |
| Loan loss allowance to noncurrent loans | 1,282.3045% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.4746% | 4,815 |
| Noncurrent loans to loans | 0.1060% | 5,893 |
| Net loans and leases to total assets | 75.9222% | 1,085 |
| Net loans and leases to deposits | 102.0220% | 398 |
| Net loans and leases to core deposits | 105.7134% | 809 |
| Total domestic deposits to total assets | 74.4175% | 6,247 |
| Equity capital to assets | 10.2806% | 3,407 |
| Core capital (leverage) ratio | 9.9198% | 3,679 |
| Tier 1 risk-based capital ratio | 12.2342% | 5,469 |
| Total risk-based capital ratio | 13.4854% | 5,396 |
| Memoranda: | ||
| Average total assets | $294,931,800 | 2,176 |
| Average earning assets | $277,772,800 | 2,127 |
| Average equity | $31,055,800 | 2,189 |
| Average total loans | $226,093,800 | 1,812 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 2,513 |
| Cost of funding earning assets | 1.1148% | 291 |
| Net interest margin | 3.3093% | 4,602 |
| Noninterest income to average assets | 0.0956% | 6,490 |
| Noninterest expense to average assets | 1.3481% | 6,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7926% | 532 |
| Return on assets (ROA) | 1.7926% | 555 |
| Pretax return on assets | 1.8642% | 770 |
| Return on Equity (ROE) | 16.9232% | 548 |
| Retained earnings to average equity (ytd only) | 1.2363% | 5,484 |
| Net charge-offs to loans | 0.0148% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 164.5725% | 338 |
| Efficiency ratio | 41.9664% | 6,712 |
| Assets per employee ($millions) | 7.4023% | 613 |
| Cash dividends to net income (ytd only)* | 92.6947% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 3,742 |
| Loan loss allowance to noncurrent loans | 516.4745% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 5,024 |
| Noncurrent loans to loans | 0.2785% | 5,536 |
| Net loans and leases to total assets | 74.4109% | 1,232 |
| Net loans and leases to deposits | 101.2734% | 418 |
| Net loans and leases to core deposits | 105.7243% | 776 |
| Total domestic deposits to total assets | 73.4753% | 6,403 |
| Equity capital to assets | 10.6086% | 3,153 |
| Core capital (leverage) ratio | 9.8957% | 3,822 |
| Tier 1 risk-based capital ratio | 12.7389% | 5,302 |
| Total risk-based capital ratio | 13.9910% | 5,240 |
| Memoranda: | ||
| Average total assets | $294,231,000 | 2,194 |
| Average earning assets | $277,109,500 | 2,143 |
| Average equity | $31,167,500 | 2,198 |
| Average total loans | $225,326,500 | 1,819 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3842% | 2,629 |
| Cost of funding earning assets | 1.1122% | 319 |
| Net interest margin | 3.2720% | 4,680 |
| Noninterest income to average assets | 0.0324% | 6,719 |
| Noninterest expense to average assets | 1.3523% | 6,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6935% | 629 |
| Return on assets (ROA) | 1.6935% | 684 |
| Pretax return on assets | 1.7644% | 989 |
| Return on Equity (ROE) | 15.9946% | 671 |
| Retained earnings to average equity (ytd only) | 0.5806% | 5,668 |
| Net charge-offs to loans | 0.0053% | 4,796 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 435.3333% | 112 |
| Efficiency ratio | 43.3897% | 6,727 |
| Assets per employee ($millions) | 7.5144% | 558 |
| Cash dividends to net income (ytd only)* | 96.3702% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 4,207 |
| Loan loss allowance to noncurrent loans | 471.4499% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 5,096 |
| Noncurrent loans to loans | 0.2886% | 5,578 |
| Net loans and leases to total assets | 78.0258% | 741 |
| Net loans and leases to deposits | 105.7293% | 228 |
| Net loans and leases to core deposits | 110.7305% | 533 |
| Total domestic deposits to total assets | 73.7977% | 6,455 |
| Equity capital to assets | 10.5111% | 3,291 |
| Core capital (leverage) ratio | 9.6910% | 3,947 |
| Tier 1 risk-based capital ratio | 12.0650% | 5,759 |
| Total risk-based capital ratio | 13.3154% | 5,706 |
| Memoranda: | ||
| Average total assets | $296,078,330 | 2,189 |
| Average earning assets | $279,095,330 | 2,136 |
| Average equity | $31,348,000 | 2,193 |
| Average total loans | $227,785,000 | 1,800 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 2,856 |
| Cost of funding earning assets | 1.1071% | 364 |
| Net interest margin | 3.2029% | 4,929 |
| Noninterest income to average assets | -0.0538% | 6,904 |
| Noninterest expense to average assets | 1.3831% | 6,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5095% | 842 |
| Return on assets (ROA) | 1.5095% | 918 |
| Pretax return on assets | 1.5807% | 1,346 |
| Return on Equity (ROE) | 14.2062% | 928 |
| Retained earnings to average equity (ytd only) | -3.0108% | 6,191 |
| Net charge-offs to loans | 0.0018% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1,176.0000% | 15 |
| Efficiency ratio | 46.6667% | 6,665 |
| Assets per employee ($millions) | 7.7129% | 557 |
| Cash dividends to net income (ytd only)* | 121.1932% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 4,200 |
| Loan loss allowance to noncurrent loans | 448.7216% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 4,942 |
| Noncurrent loans to loans | 0.3133% | 5,615 |
| Net loans and leases to total assets | 73.6408% | 1,130 |
| Net loans and leases to deposits | 98.9949% | 394 |
| Net loans and leases to core deposits | 103.3851% | 747 |
| Total domestic deposits to total assets | 74.3885% | 6,510 |
| Equity capital to assets | 10.4541% | 3,595 |
| Core capital (leverage) ratio | 9.5383% | 4,016 |
| Tier 1 risk-based capital ratio | 12.1890% | 5,799 |
| Total risk-based capital ratio | 13.4393% | 5,757 |
| Memoranda: | ||
| Average total assets | $297,586,500 | 2,202 |
| Average earning assets | $280,375,000 | 2,149 |
| Average equity | $31,620,000 | 2,205 |
| Average total loans | $225,768,500 | 1,829 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 2,853 |
| Cost of funding earning assets | 1.2810% | 402 |
| Net interest margin | 3.3575% | 5,044 |
| Noninterest income to average assets | 0.1534% | 6,267 |
| Noninterest expense to average assets | 1.4138% | 6,907 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.8021% | 506 |
| Return on assets (ROA) | 1.8021% | 570 |
| Pretax return on assets | 1.8816% | 778 |
| Return on Equity (ROE) | 16.4380% | 600 |
| Retained earnings to average equity (ytd only) | 1.5531% | 5,092 |
| Net charge-offs to loans | 0.1789% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 14.0979% | 1,765 |
| Efficiency ratio | 42.9019% | 6,880 |
| Assets per employee ($millions) | 7.5480% | 614 |
| Cash dividends to net income (ytd only)* | 90.5516% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 4,201 |
| Loan loss allowance to noncurrent loans | 584.1035% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.5999% | 4,973 |
| Noncurrent loans to loans | 0.2385% | 5,883 |
| Net loans and leases to total assets | 75.9942% | 911 |
| Net loans and leases to deposits | 103.6065% | 275 |
| Net loans and leases to core deposits | 108.3611% | 598 |
| Total domestic deposits to total assets | 73.3489% | 6,594 |
| Equity capital to assets | 10.8007% | 3,173 |
| Core capital (leverage) ratio | 9.8492% | 3,607 |
| Tier 1 risk-based capital ratio | 12.3249% | 5,584 |
| Total risk-based capital ratio | 13.5765% | 5,536 |
| Memoranda: | ||
| Average total assets | $290,714,600 | 2,199 |
| Average earning assets | $272,045,400 | 2,145 |
| Average equity | $31,871,200 | 2,148 |
| Average total loans | $216,932,800 | 1,864 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8367% | 2,255 |
| Cost of funding earning assets | 1.3241% | 400 |
| Net interest margin | 3.5125% | 4,593 |
| Noninterest income to average assets | 0.1399% | 6,443 |
| Noninterest expense to average assets | 1.4387% | 6,971 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.9590% | 407 |
| Return on assets (ROA) | 1.9590% | 468 |
| Pretax return on assets | 1.9903% | 711 |
| Return on Equity (ROE) | 17.8021% | 524 |
| Retained earnings to average equity (ytd only) | 3.5454% | 4,383 |
| Net charge-offs to loans | 0.1716% | 3,726 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 15.6740% | 1,742 |
| Efficiency ratio | 41.9563% | 6,965 |
| Assets per employee ($millions) | 7.2670% | 649 |
| Cash dividends to net income (ytd only)* | 80.0845% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 3,663 |
| Loan loss allowance to noncurrent loans | 481.8851% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 5,002 |
| Noncurrent loans to loans | 0.3252% | 5,823 |
| Net loans and leases to total assets | 72.5069% | 1,466 |
| Net loans and leases to deposits | 99.5543% | 463 |
| Net loans and leases to core deposits | 104.6165% | 833 |
| Total domestic deposits to total assets | 72.8315% | 6,690 |
| Equity capital to assets | 11.4321% | 2,820 |
| Core capital (leverage) ratio | 10.1190% | 3,376 |
| Tier 1 risk-based capital ratio | 13.4523% | 4,908 |
| Total risk-based capital ratio | 14.7042% | 4,871 |
| Memoranda: | ||
| Average total assets | $289,800,500 | 2,233 |
| Average earning assets | $271,365,250 | 2,178 |
| Average equity | $31,890,500 | 2,167 |
| Average total loans | $214,449,750 | 1,906 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8678% | 2,236 |
| Cost of funding earning assets | 1.3407% | 445 |
| Net interest margin | 3.5271% | 4,559 |
| Noninterest income to average assets | 0.1206% | 6,581 |
| Noninterest expense to average assets | 1.4853% | 7,016 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.9046% | 454 |
| Return on assets (ROA) | 1.9046% | 519 |
| Pretax return on assets | 1.9354% | 793 |
| Return on Equity (ROE) | 17.5280% | 566 |
| Retained earnings to average equity (ytd only) | 4.1172% | 3,866 |
| Net charge-offs to loans | 0.2570% | 3,037 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 10.1619% | 2,088 |
| Efficiency ratio | 43.4208% | 6,973 |
| Assets per employee ($millions) | 7.4378% | 595 |
| Cash dividends to net income (ytd only)* | 76.5108% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 3,861 |
| Loan loss allowance to noncurrent loans | 452.9086% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.6712% | 5,095 |
| Noncurrent loans to loans | 0.3384% | 5,870 |
| Net loans and leases to total assets | 72.4175% | 1,487 |
| Net loans and leases to deposits | 99.5460% | 442 |
| Net loans and leases to core deposits | 105.1555% | 786 |
| Total domestic deposits to total assets | 72.7477% | 6,762 |
| Equity capital to assets | 11.0489% | 3,063 |
| Core capital (leverage) ratio | 9.8948% | 3,582 |
| Tier 1 risk-based capital ratio | 12.9320% | 5,230 |
| Total risk-based capital ratio | 14.1847% | 5,206 |
| Memoranda: | ||
| Average total assets | $291,929,670 | 2,213 |
| Average earning assets | $273,141,330 | 2,170 |
| Average equity | $31,720,670 | 2,163 |
| Average total loans | $216,344,330 | 1,888 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9181% | 2,174 |
| Cost of funding earning assets | 1.3580% | 493 |
| Net interest margin | 3.5600% | 4,444 |
| Noninterest income to average assets | 0.0505% | 6,928 |
| Noninterest expense to average assets | 1.5352% | 7,029 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8139% | 584 |
| Return on assets (ROA) | 1.8139% | 656 |
| Pretax return on assets | 1.8453% | 983 |
| Return on Equity (ROE) | 16.8336% | 696 |
| Retained earnings to average equity (ytd only) | 7.4281% | 2,214 |
| Net charge-offs to loans | 0.4866% | 1,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.0981% | 2,440 |
| Efficiency ratio | 45.4141% | 6,931 |
| Assets per employee ($millions) | 7.5613% | 579 |
| Cash dividends to net income (ytd only)* | 55.8735% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 3,981 |
| Loan loss allowance to noncurrent loans | 263.9068% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 4,859 |
| Noncurrent loans to loans | 0.5842% | 5,500 |
| Net loans and leases to total assets | 71.0987% | 1,553 |
| Net loans and leases to deposits | 96.8510% | 489 |
| Net loans and leases to core deposits | 101.1975% | 907 |
| Total domestic deposits to total assets | 73.4104% | 6,791 |
| Equity capital to assets | 10.7833% | 3,172 |
| Core capital (leverage) ratio | 9.8187% | 3,615 |
| Tier 1 risk-based capital ratio | 13.0679% | 5,157 |
| Total risk-based capital ratio | 14.3212% | 5,124 |
| Memoranda: | ||
| Average total assets | $292,857,000 | 2,219 |
| Average earning assets | $273,929,000 | 2,172 |
| Average equity | $31,556,000 | 2,175 |
| Average total loans | $217,849,000 | 1,874 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2503% | 1,873 |
| Cost of funding earning assets | 1.5558% | 568 |
| Net interest margin | 3.6945% | 4,323 |
| Noninterest income to average assets | -0.1161% | 7,111 |
| Noninterest expense to average assets | 1.4121% | 7,208 |
| Loan and lease loss provision to assets | 0.2595% | 3,617 |
| Net operating income to assets | 1.6380% | 622 |
| Return on assets (ROA) | 1.6380% | 668 |
| Pretax return on assets | 1.6671% | 1,062 |
| Return on Equity (ROE) | 15.9864% | 603 |
| Retained earnings to average equity (ytd only) | 10.9543% | 410 |
| Net charge-offs to loans | 0.3122% | 3,839 |
| Credit loss provision to net charge-offs | 108.8235% | 3,094 |
| Earnings coverage of net charge-offs (x) | 8.0779% | 2,219 |
| Efficiency ratio | 42.2944% | 7,163 |
| Assets per employee ($millions) | 7.4570% | 585 |
| Cash dividends to net income (ytd only)* | 31.4775% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 3,616 |
| Loan loss allowance to noncurrent loans | 75.2332% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 2.0803% | 2,866 |
| Noncurrent loans to loans | 2.1172% | 3,047 |
| Net loans and leases to total assets | 75.3734% | 1,039 |
| Net loans and leases to deposits | 102.7443% | 345 |
| Net loans and leases to core deposits | 108.3334% | 685 |
| Total domestic deposits to total assets | 73.3602% | 6,779 |
| Equity capital to assets | 10.7670% | 3,230 |
| Core capital (leverage) ratio | 9.7638% | 3,656 |
| Tier 1 risk-based capital ratio | 12.3016% | 5,614 |
| Total risk-based capital ratio | 13.5555% | 5,586 |
| Memoranda: | ||
| Average total assets | $285,112,200 | 2,233 |
| Average earning assets | $266,612,400 | 2,191 |
| Average equity | $29,212,400 | 2,254 |
| Average total loans | $217,798,000 | 1,886 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2685% | 1,971 |
| Cost of funding earning assets | 1.6006% | 581 |
| Net interest margin | 3.6679% | 4,487 |
| Noninterest income to average assets | -0.1894% | 7,263 |
| Noninterest expense to average assets | 1.4086% | 7,271 |
| Loan and lease loss provision to assets | 0.3243% | 2,940 |
| Net operating income to assets | 1.4951% | 947 |
| Return on assets (ROA) | 1.4951% | 1,025 |
| Pretax return on assets | 1.5157% | 1,609 |
| Return on Equity (ROE) | 14.7844% | 871 |
| Retained earnings to average equity (ytd only) | 9.8671% | 881 |
| Net charge-offs to loans | 0.2481% | 3,882 |
| Credit loss provision to net charge-offs | 171.2159% | 1,761 |
| Earnings coverage of net charge-offs (x) | 9.7146% | 2,011 |
| Efficiency ratio | 43.3594% | 7,166 |
| Assets per employee ($millions) | 7.2238% | 660 |
| Cash dividends to net income (ytd only)* | 33.2599% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 3,051 |
| Loan loss allowance to noncurrent loans | 195.9004% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 1.1309% | 4,522 |
| Noncurrent loans to loans | 0.9010% | 5,064 |
| Net loans and leases to total assets | 74.5737% | 1,222 |
| Net loans and leases to deposits | 102.9893% | 350 |
| Net loans and leases to core deposits | 110.0227% | 675 |
| Total domestic deposits to total assets | 72.4092% | 6,907 |
| Equity capital to assets | 10.7998% | 3,355 |
| Core capital (leverage) ratio | 9.4954% | 4,150 |
| Tier 1 risk-based capital ratio | 12.2538% | 5,699 |
| Total risk-based capital ratio | 13.5096% | 5,682 |
| Memoranda: | ||
| Average total assets | $283,684,250 | 2,248 |
| Average earning assets | $265,900,750 | 2,206 |
| Average equity | $28,687,250 | 2,292 |
| Average total loans | $216,559,500 | 1,909 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2199% | 2,184 |
| Cost of funding earning assets | 1.6230% | 639 |
| Net interest margin | 3.5969% | 4,731 |
| Noninterest income to average assets | 0.0260% | 7,131 |
| Noninterest expense to average assets | 1.4792% | 7,323 |
| Loan and lease loss provision to assets | 0.4572% | 2,137 |
| Net operating income to assets | 1.4567% | 962 |
| Return on assets (ROA) | 1.4567% | 1,023 |
| Pretax return on assets | 1.4645% | 1,630 |
| Return on Equity (ROE) | 14.7362% | 846 |
| Retained earnings to average equity (ytd only) | 10.2534% | 790 |
| Net charge-offs to loans | 0.4543% | 2,762 |
| Credit loss provision to net charge-offs | 131.5789% | 2,321 |
| Earnings coverage of net charge-offs (x) | 5.5304% | 2,596 |
| Efficiency ratio | 43.4953% | 7,255 |
| Assets per employee ($millions) | 7.2461% | 644 |
| Cash dividends to net income (ytd only)* | 30.4201% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 3,402 |
| Loan loss allowance to noncurrent loans | 124.9657% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 2.0099% | 3,219 |
| Noncurrent loans to loans | 1.3407% | 4,414 |
| Net loans and leases to total assets | 75.6753% | 1,124 |
| Net loans and leases to deposits | 104.2676% | 310 |
| Net loans and leases to core deposits | 112.1143% | 645 |
| Total domestic deposits to total assets | 72.5780% | 6,968 |
| Equity capital to assets | 10.3327% | 3,707 |
| Core capital (leverage) ratio | 9.3128% | 4,235 |
| Tier 1 risk-based capital ratio | 11.6952% | 6,015 |
| Total risk-based capital ratio | 12.9518% | 6,012 |
| Memoranda: | ||
| Average total assets | $284,336,330 | 2,252 |
| Average earning assets | $266,788,000 | 2,204 |
| Average equity | $28,107,670 | 2,305 |
| Average total loans | $217,456,000 | 1,925 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2269% | 2,130 |
| Cost of funding earning assets | 1.6536% | 670 |
| Net interest margin | 3.5733% | 4,703 |
| Noninterest income to average assets | 0.1725% | 6,494 |
| Noninterest expense to average assets | 1.4558% | 7,389 |
| Loan and lease loss provision to assets | 0.4207% | 2,083 |
| Net operating income to assets | 1.6479% | 629 |
| Return on assets (ROA) | 1.6479% | 663 |
| Pretax return on assets | 1.6479% | 1,085 |
| Return on Equity (ROE) | 17.0528% | 564 |
| Retained earnings to average equity (ytd only) | 15.2386% | 368 |
| Net charge-offs to loans | 0.1527% | 3,572 |
| Credit loss provision to net charge-offs | 361.4458% | 905 |
| Earnings coverage of net charge-offs (x) | 17.7711% | 1,212 |
| Efficiency ratio | 41.3052% | 7,366 |
| Assets per employee ($millions) | 7.2204% | 657 |
| Cash dividends to net income (ytd only)* | 10.6383% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 3,128 |
| Loan loss allowance to noncurrent loans | 110.0059% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 2.2596% | 2,994 |
| Noncurrent loans to loans | 1.6023% | 4,081 |
| Net loans and leases to total assets | 73.3293% | 1,451 |
| Net loans and leases to deposits | 99.8573% | 474 |
| Net loans and leases to core deposits | 107.7364% | 853 |
| Total domestic deposits to total assets | 73.4340% | 6,962 |
| Equity capital to assets | 10.0061% | 3,764 |
| Core capital (leverage) ratio | 9.0113% | 4,599 |
| Tier 1 risk-based capital ratio | 11.7085% | 5,936 |
| Total risk-based capital ratio | 12.9643% | 5,931 |
| Memoranda: | ||
| Average total assets | $285,205,500 | 2,265 |
| Average earning assets | $267,539,500 | 2,214 |
| Average equity | $27,561,500 | 2,335 |
| Average total loans | $217,433,500 | 1,945 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3096% | 3,084 |
| Cost of funding earning assets | 1.9510% | 723 |
| Net interest margin | 3.3586% | 5,764 |
| Noninterest income to average assets | 0.2063% | 6,317 |
| Noninterest expense to average assets | 1.4020% | 7,485 |
| Loan and lease loss provision to assets | 2.5715% | 426 |
| Net operating income to assets | -0.6086% | 6,455 |
| Return on assets (ROA) | -0.5677% | 6,458 |
| Pretax return on assets | -0.5541% | 6,361 |
| Return on Equity (ROE) | -5.9534% | 6,494 |
| Retained earnings to average equity (ytd only) | -9.0123% | 6,592 |
| Net charge-offs to loans | 3.3771% | 439 |
| Credit loss provision to net charge-offs | 96.4879% | 4,816 |
| Earnings coverage of net charge-offs (x) | 0.7416% | 5,376 |
| Efficiency ratio | 41.0941% | 7,487 |
| Assets per employee ($millions) | 7.4055% | 617 |
| Cash dividends to net income (ytd only)* | -51.3789% | 7,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 3,762 |
| Loan loss allowance to noncurrent loans | 93.0630% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 1.7326% | 3,703 |
| Noncurrent loans to loans | 1.6682% | 3,997 |
| Net loans and leases to total assets | 76.5825% | 1,163 |
| Net loans and leases to deposits | 106.4286% | 306 |
| Net loans and leases to core deposits | 115.1882% | 666 |
| Total domestic deposits to total assets | 71.9567% | 7,084 |
| Equity capital to assets | 9.3299% | 4,647 |
| Core capital (leverage) ratio | 8.5019% | 5,363 |
| Tier 1 risk-based capital ratio | 10.7911% | 6,495 |
| Total risk-based capital ratio | 12.0432% | 6,460 |
| Memoranda: | ||
| Average total assets | $293,792,200 | 2,190 |
| Average earning assets | $277,496,200 | 2,134 |
| Average equity | $28,017,400 | 2,312 |
| Average total loans | $231,856,200 | 1,884 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3444% | 3,147 |
| Cost of funding earning assets | 2.0033% | 746 |
| Net interest margin | 3.3411% | 5,878 |
| Noninterest income to average assets | 0.2119% | 6,395 |
| Noninterest expense to average assets | 1.3702% | 7,606 |
| Loan and lease loss provision to assets | 3.1046% | 270 |
| Net operating income to assets | -1.1311% | 6,958 |
| Return on assets (ROA) | -1.0769% | 6,973 |
| Pretax return on assets | -1.0484% | 6,884 |
| Return on Equity (ROE) | -11.2329% | 6,975 |
| Retained earnings to average equity (ytd only) | -15.2726% | 7,090 |
| Net charge-offs to loans | 3.2440% | 442 |
| Credit loss provision to net charge-offs | 120.8443% | 3,409 |
| Earnings coverage of net charge-offs (x) | 0.7792% | 5,277 |
| Efficiency ratio | 40.6325% | 7,566 |
| Assets per employee ($millions) | 7.3295% | 669 |
| Cash dividends to net income (ytd only)* | -35.9632% | 7,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2019% | 1,803 |
| Loan loss allowance to noncurrent loans | 70.8578% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 2.6370% | 2,746 |
| Noncurrent loans to loans | 3.1075% | 2,567 |
| Net loans and leases to total assets | 76.8810% | 1,240 |
| Net loans and leases to deposits | 108.2746% | 292 |
| Net loans and leases to core deposits | 117.1543% | 713 |
| Total domestic deposits to total assets | 71.0055% | 7,217 |
| Equity capital to assets | 9.5200% | 4,812 |
| Core capital (leverage) ratio | 8.2258% | 6,000 |
| Tier 1 risk-based capital ratio | 10.5975% | 6,708 |
| Total risk-based capital ratio | 11.8592% | 6,690 |
| Memoranda: | ||
| Average total assets | $295,036,750 | 2,216 |
| Average earning assets | $279,066,250 | 2,152 |
| Average equity | $28,285,250 | 2,327 |
| Average total loans | $233,653,000 | 1,897 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3493% | 3,219 |
| Cost of funding earning assets | 2.0178% | 864 |
| Net interest margin | 3.3314% | 5,896 |
| Noninterest income to average assets | 0.2040% | 6,445 |
| Noninterest expense to average assets | 1.3640% | 7,684 |
| Loan and lease loss provision to assets | 1.1406% | 1,262 |
| Net operating income to assets | 0.8243% | 2,852 |
| Return on assets (ROA) | 0.9024% | 2,660 |
| Pretax return on assets | 0.9346% | 3,364 |
| Return on Equity (ROE) | 9.3916% | 2,320 |
| Retained earnings to average equity (ytd only) | 3.4075% | 3,946 |
| Net charge-offs to loans | 1.4191% | 1,346 |
| Credit loss provision to net charge-offs | 101.2507% | 4,026 |
| Earnings coverage of net charge-offs (x) | 1.7707% | 4,190 |
| Efficiency ratio | 40.6113% | 7,631 |
| Assets per employee ($millions) | 7.4829% | 624 |
| Cash dividends to net income (ytd only)* | 63.7175% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 3,292 |
| Loan loss allowance to noncurrent loans | 39.2980% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 3.4561% | 2,035 |
| Noncurrent loans to loans | 4.1697% | 1,788 |
| Net loans and leases to total assets | 77.8334% | 1,140 |
| Net loans and leases to deposits | 109.7139% | 286 |
| Net loans and leases to core deposits | 115.6731% | 858 |
| Total domestic deposits to total assets | 70.9421% | 7,268 |
| Equity capital to assets | 9.9940% | 4,033 |
| Core capital (leverage) ratio | 8.8716% | 4,800 |
| Tier 1 risk-based capital ratio | 11.2860% | 5,956 |
| Total risk-based capital ratio | 12.5420% | 5,936 |
| Memoranda: | ||
| Average total assets | $298,098,670 | 2,211 |
| Average earning assets | $282,281,330 | 2,141 |
| Average equity | $28,642,670 | 2,293 |
| Average total loans | $236,633,000 | 1,893 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3080% | 3,508 |
| Cost of funding earning assets | 2.0154% | 1,028 |
| Net interest margin | 3.2926% | 6,001 |
| Noninterest income to average assets | 0.1992% | 6,537 |
| Noninterest expense to average assets | 1.3943% | 7,766 |
| Loan and lease loss provision to assets | 0.9959% | 1,256 |
| Net operating income to assets | 0.8941% | 2,569 |
| Return on assets (ROA) | 0.9999% | 2,258 |
| Pretax return on assets | 1.0411% | 2,929 |
| Return on Equity (ROE) | 10.6127% | 1,904 |
| Retained earnings to average equity (ytd only) | 3.6080% | 3,992 |
| Net charge-offs to loans | 0.7566% | 1,997 |
| Credit loss provision to net charge-offs | 165.5629% | 2,200 |
| Earnings coverage of net charge-offs (x) | 3.2031% | 2,986 |
| Efficiency ratio | 41.9832% | 7,682 |
| Assets per employee ($millions) | 7.6282% | 614 |
| Cash dividends to net income (ytd only)* | 66.0027% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7190% | 2,990 |
| Loan loss allowance to noncurrent loans | 52.3128% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.7049% | 2,690 |
| Noncurrent loans to loans | 3.2861% | 2,426 |
| Net loans and leases to total assets | 78.0231% | 1,151 |
| Net loans and leases to deposits | 109.0903% | 312 |
| Net loans and leases to core deposits | 115.5805% | 964 |
| Total domestic deposits to total assets | 71.5216% | 7,311 |
| Equity capital to assets | 9.6390% | 4,323 |
| Core capital (leverage) ratio | 8.6259% | 5,160 |
| Tier 1 risk-based capital ratio | 10.9214% | 6,228 |
| Total risk-based capital ratio | 12.1774% | 6,206 |
| Memoranda: | ||
| Average total assets | $301,230,500 | 2,244 |
| Average earning assets | $285,606,500 | 2,173 |
| Average equity | $28,381,000 | 2,339 |
| Average total loans | $239,485,000 | 1,929 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8139% | 2,597 |
| Cost of funding earning assets | 2.3548% | 1,440 |
| Net interest margin | 3.4591% | 5,131 |
| Noninterest income to average assets | 0.2015% | 6,662 |
| Noninterest expense to average assets | 1.5919% | 7,774 |
| Loan and lease loss provision to assets | 0.7137% | 2,979 |
| Net operating income to assets | 1.1306% | 1,437 |
| Return on assets (ROA) | 1.1306% | 1,467 |
| Pretax return on assets | 1.1869% | 1,992 |
| Return on Equity (ROE) | 11.9480% | 1,176 |
| Retained earnings to average equity (ytd only) | -3.0910% | 5,720 |
| Net charge-offs to loans | 0.6020% | 3,414 |
| Credit loss provision to net charge-offs | 148.9641% | 3,126 |
| Earnings coverage of net charge-offs (x) | 3.9669% | 3,123 |
| Efficiency ratio | 39.3937% | 7,869 |
| Assets per employee ($millions) | 7.8195% | 555 |
| Cash dividends to net income (ytd only)* | 125.8706% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 3,479 |
| Loan loss allowance to noncurrent loans | 56.1893% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 2.1960% | 3,134 |
| Noncurrent loans to loans | 2.7583% | 2,800 |
| Net loans and leases to total assets | 78.3799% | 1,306 |
| Net loans and leases to deposits | 108.7440% | 432 |
| Net loans and leases to core deposits | 148.1358% | 555 |
| Total domestic deposits to total assets | 72.0775% | 7,236 |
| Equity capital to assets | 9.2097% | 4,833 |
| Core capital (leverage) ratio | 8.5080% | 5,270 |
| Tier 1 risk-based capital ratio | 10.5576% | 6,336 |
| Total risk-based capital ratio | 11.8116% | 6,314 |
| Memoranda: | ||
| Average total assets | $302,225,800 | 2,202 |
| Average earning assets | $287,534,800 | 2,140 |
| Average equity | $28,599,000 | 2,325 |
| Average total loans | $240,526,800 | 1,947 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8725% | 2,578 |
| Cost of funding earning assets | 2.4378% | 1,498 |
| Net interest margin | 3.4347% | 5,134 |
| Noninterest income to average assets | 0.1994% | 6,790 |
| Noninterest expense to average assets | 1.4918% | 7,890 |
| Loan and lease loss provision to assets | 0.3758% | 4,073 |
| Net operating income to assets | 1.5202% | 780 |
| Return on assets (ROA) | 1.5202% | 832 |
| Pretax return on assets | 1.6042% | 1,168 |
| Return on Equity (ROE) | 15.9566% | 664 |
| Retained earnings to average equity (ytd only) | 0.1764% | 5,126 |
| Net charge-offs to loans | -0.0200% | 7,763 |
| Credit loss provision to net charge-offs | -2,361.1111% | 7,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7866% | 7,953 |
| Assets per employee ($millions) | 7.7978% | 556 |
| Cash dividends to net income (ytd only)* | 98.8946% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 2,907 |
| Loan loss allowance to noncurrent loans | 61.9107% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 2.0926% | 3,221 |
| Noncurrent loans to loans | 2.6213% | 2,885 |
| Net loans and leases to total assets | 78.5360% | 1,477 |
| Net loans and leases to deposits | 113.4444% | 348 |
| Net loans and leases to core deposits | 157.1723% | 435 |
| Total domestic deposits to total assets | 69.2286% | 7,481 |
| Equity capital to assets | 9.5550% | 4,672 |
| Core capital (leverage) ratio | 8.8786% | 4,846 |
| Tier 1 risk-based capital ratio | 10.9034% | 6,050 |
| Total risk-based capital ratio | 12.1578% | 6,003 |
| Memoranda: | ||
| Average total assets | $301,541,750 | 2,219 |
| Average earning assets | $287,299,250 | 2,155 |
| Average equity | $28,727,250 | 2,341 |
| Average total loans | $239,960,500 | 1,974 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9543% | 2,364 |
| Cost of funding earning assets | 2.5204% | 1,542 |
| Net interest margin | 3.4339% | 5,052 |
| Noninterest income to average assets | 0.1842% | 6,975 |
| Noninterest expense to average assets | 1.5192% | 7,963 |
| Loan and lease loss provision to assets | 0.3991% | 3,525 |
| Net operating income to assets | 1.4527% | 927 |
| Return on assets (ROA) | 1.4527% | 989 |
| Pretax return on assets | 1.5365% | 1,357 |
| Return on Equity (ROE) | 15.2637% | 785 |
| Retained earnings to average equity (ytd only) | -2.5719% | 5,885 |
| Net charge-offs to loans | -0.0284% | 7,768 |
| Credit loss provision to net charge-offs | -1,764.7059% | 7,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1379% | 8,070 |
| Assets per employee ($millions) | 7.6777% | 569 |
| Cash dividends to net income (ytd only)* | 116.8498% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 2,969 |
| Loan loss allowance to noncurrent loans | 155.4151% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.7975% | 5,397 |
| Noncurrent loans to loans | 0.9944% | 5,215 |
| Net loans and leases to total assets | 78.4627% | 1,646 |
| Net loans and leases to deposits | 110.1603% | 545 |
| Net loans and leases to core deposits | 150.8159% | 634 |
| Total domestic deposits to total assets | 71.2260% | 7,339 |
| Equity capital to assets | 9.5131% | 4,595 |
| Core capital (leverage) ratio | 8.8312% | 4,896 |
| Tier 1 risk-based capital ratio | 10.9935% | 5,878 |
| Total risk-based capital ratio | 12.2473% | 5,812 |
| Memoranda: | ||
| Average total assets | $300,684,330 | 2,254 |
| Average earning assets | $286,379,000 | 2,186 |
| Average equity | $28,617,000 | 2,365 |
| Average total loans | $239,021,000 | 2,013 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0755% | 2,044 |
| Cost of funding earning assets | 2.6110% | 1,526 |
| Net interest margin | 3.4645% | 4,878 |
| Noninterest income to average assets | 0.1779% | 7,028 |
| Noninterest expense to average assets | 1.2904% | 8,083 |
| Loan and lease loss provision to assets | 0.3983% | 2,936 |
| Net operating income to assets | 1.7032% | 640 |
| Return on assets (ROA) | 1.7032% | 706 |
| Pretax return on assets | 1.7869% | 1,004 |
| Return on Equity (ROE) | 17.8921% | 597 |
| Retained earnings to average equity (ytd only) | -1.2133% | 5,936 |
| Net charge-offs to loans | -0.0067% | 7,217 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1276% | 8,096 |
| Assets per employee ($millions) | 7.8489% | 534 |
| Cash dividends to net income (ytd only)* | 106.7810% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 3,433 |
| Loan loss allowance to noncurrent loans | 122.5547% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.9237% | 4,883 |
| Noncurrent loans to loans | 1.1528% | 4,685 |
| Net loans and leases to total assets | 78.5678% | 1,677 |
| Net loans and leases to deposits | 109.8242% | 623 |
| Net loans and leases to core deposits | 148.2939% | 767 |
| Total domestic deposits to total assets | 71.5396% | 7,275 |
| Equity capital to assets | 9.4985% | 4,664 |
| Core capital (leverage) ratio | 8.8187% | 4,949 |
| Tier 1 risk-based capital ratio | 11.1365% | 5,773 |
| Total risk-based capital ratio | 12.3884% | 5,690 |
| Memoranda: | ||
| Average total assets | $301,311,500 | 2,259 |
| Average earning assets | $286,791,000 | 2,200 |
| Average equity | $28,683,000 | 2,372 |
| Average total loans | $239,217,000 | 2,029 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6933% | 2,048 |
| Cost of funding earning assets | 3.1604% | 1,317 |
| Net interest margin | 3.5329% | 5,181 |
| Noninterest income to average assets | 0.2009% | 7,011 |
| Noninterest expense to average assets | 1.2570% | 8,141 |
| Loan and lease loss provision to assets | 0.2067% | 4,824 |
| Net operating income to assets | 1.9933% | 359 |
| Return on assets (ROA) | 2.0006% | 333 |
| Pretax return on assets | 2.0850% | 502 |
| Return on Equity (ROE) | 20.9078% | 309 |
| Retained earnings to average equity (ytd only) | 3.2734% | 3,119 |
| Net charge-offs to loans | 0.1660% | 4,542 |
| Credit loss provision to net charge-offs | 155.8442% | 3,348 |
| Earnings coverage of net charge-offs (x) | 17.2182% | 1,789 |
| Efficiency ratio | 35.4967% | 8,198 |
| Assets per employee ($millions) | 8.0096% | 468 |
| Cash dividends to net income (ytd only)* | 84.3438% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 4,000 |
| Loan loss allowance to noncurrent loans | 248.8998% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 5,992 |
| Noncurrent loans to loans | 0.5097% | 5,825 |
| Net loans and leases to total assets | 78.0928% | 2,112 |
| Net loans and leases to deposits | 111.6645% | 727 |
| Net loans and leases to core deposits | 148.2224% | 927 |
| Total domestic deposits to total assets | 69.9352% | 7,283 |
| Equity capital to assets | 9.5398% | 4,625 |
| Core capital (leverage) ratio | 9.0698% | 4,639 |
| Tier 1 risk-based capital ratio | 10.9890% | 5,731 |
| Total risk-based capital ratio | 12.2393% | 5,634 |
| Memoranda: | ||
| Average total assets | $290,218,200 | 2,253 |
| Average earning assets | $274,394,000 | 2,202 |
| Average equity | $27,769,600 | 2,419 |
| Average total loans | $231,904,800 | 2,035 |