Home > Citizens Alliance Bank > Performance and Condition Ratios
Citizens Alliance 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 | 4.9189% | 2,234 |
| Cost of funding earning assets | 1.4658% | 2,033 |
| Net interest margin | 3.4531% | 2,297 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.6305% | 1,921 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7446% | 3,061 |
| Return on assets (ROA) | 0.7473% | 3,038 |
| Pretax return on assets | 0.9549% | 2,800 |
| Return on Equity (ROE) | 10.1300% | 2,466 |
| Retained earnings to average equity (ytd only) | 10.1324% | 985 |
| Net charge-offs to loans | -0.1008% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.3660% | 1,976 |
| Assets per employee ($millions) | 8.2115% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 2,814 |
| Loan loss allowance to noncurrent loans | 268.2767% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 1,912 |
| Noncurrent loans to loans | 0.4116% | 1,755 |
| Net loans and leases to total assets | 59.0500% | 2,942 |
| Net loans and leases to deposits | 67.2059% | 3,091 |
| Net loans and leases to core deposits | 70.7828% | 3,260 |
| Total domestic deposits to total assets | 87.8600% | 1,399 |
| Equity capital to assets | 7.0360% | 3,925 |
| Core capital (leverage) ratio | 7.6970% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8532% | 2,619 |
| Memoranda: | ||
| Average total assets | $1,415,012,600 | 748 |
| Average earning assets | $1,314,001,000 | 735 |
| Average equity | $104,358,200 | 917 |
| Average total loans | $859,445,000 | 818 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 2,195 |
| Cost of funding earning assets | 1.3974% | 1,874 |
| Net interest margin | 3.4377% | 2,371 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.6102% | 1,914 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7955% | 3,032 |
| Return on assets (ROA) | 0.7974% | 3,027 |
| Pretax return on assets | 1.0208% | 2,795 |
| Return on Equity (ROE) | 10.6700% | 2,460 |
| Retained earnings to average equity (ytd only) | 10.6671% | 1,227 |
| Net charge-offs to loans | -0.1372% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.3883% | 1,857 |
| Assets per employee ($millions) | 7.3703% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 2,902 |
| Loan loss allowance to noncurrent loans | 232.0803% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 1,779 |
| Noncurrent loans to loans | 0.4706% | 1,647 |
| Net loans and leases to total assets | 61.3700% | 2,717 |
| Net loans and leases to deposits | 71.6013% | 2,733 |
| Net loans and leases to core deposits | 77.3982% | 2,773 |
| Total domestic deposits to total assets | 85.7100% | 2,278 |
| Equity capital to assets | 6.9603% | 3,630 |
| Core capital (leverage) ratio | 7.8326% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8180% | 2,661 |
| Memoranda: | ||
| Average total assets | $1,364,351,750 | 769 |
| Average earning assets | $1,264,757,250 | 760 |
| Average equity | $101,993,000 | 930 |
| Average total loans | $832,852,000 | 838 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 2,284 |
| Cost of funding earning assets | 1.1805% | 2,051 |
| Net interest margin | 3.4813% | 2,306 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.6579% | 1,758 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.7311% | 3,268 |
| Return on assets (ROA) | 0.7351% | 3,267 |
| Pretax return on assets | 0.9252% | 3,109 |
| Return on Equity (ROE) | 9.5900% | 2,816 |
| Retained earnings to average equity (ytd only) | 9.5898% | 1,512 |
| Net charge-offs to loans | -0.0530% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.5165% | 1,506 |
| Assets per employee ($millions) | 7.2655% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,308 |
| Loan loss allowance to noncurrent loans | 260.1268% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2722% | 1,844 |
| Noncurrent loans to loans | 0.3946% | 1,749 |
| Net loans and leases to total assets | 62.0800% | 2,569 |
| Net loans and leases to deposits | 73.6087% | 2,530 |
| Net loans and leases to core deposits | 81.5627% | 2,366 |
| Total domestic deposits to total assets | 84.3400% | 2,743 |
| Equity capital to assets | 7.3858% | 3,586 |
| Core capital (leverage) ratio | 8.1881% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8148% | 2,678 |
| Memoranda: | ||
| Average total assets | $1,330,242,333 | 778 |
| Average earning assets | $1,231,848,333 | 767 |
| Average equity | $101,962,333 | 927 |
| Average total loans | $807,121,667 | 843 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 2,243 |
| Cost of funding earning assets | 0.8169% | 2,674 |
| Net interest margin | 3.7155% | 1,864 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.6752% | 1,740 |
| Loan and lease loss provision to assets | -0.0800% | 4,558 |
| Net operating income to assets | 0.9126% | 2,815 |
| Return on assets (ROA) | 0.9157% | 2,760 |
| Pretax return on assets | 1.3011% | 2,169 |
| Return on Equity (ROE) | 11.7200% | 2,291 |
| Retained earnings to average equity (ytd only) | 11.7160% | 1,317 |
| Net charge-offs to loans | -0.0960% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.3179% | 1,938 |
| Assets per employee ($millions) | 6.8754% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 3,228 |
| Loan loss allowance to noncurrent loans | 248.0012% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 1,248 |
| Noncurrent loans to loans | 0.4298% | 1,644 |
| Net loans and leases to total assets | 60.6600% | 2,584 |
| Net loans and leases to deposits | 72.6228% | 2,413 |
| Net loans and leases to core deposits | 74.7906% | 2,618 |
| Total domestic deposits to total assets | 83.5300% | 3,190 |
| Equity capital to assets | 8.1359% | 3,153 |
| Core capital (leverage) ratio | 8.8777% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4992% | 2,176 |
| Memoranda: | ||
| Average total assets | $1,294,246,500 | 812 |
| Average earning assets | $1,201,555,500 | 805 |
| Average equity | $101,160,500 | 943 |
| Average total loans | $770,913,000 | 885 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8580% | 2,103 |
| Cost of funding earning assets | 0.3808% | 2,250 |
| Net interest margin | 3.4772% | 2,000 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.2532% | 2,882 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.9964% | 2,577 |
| Return on assets (ROA) | 0.9858% | 2,571 |
| Pretax return on assets | 1.2836% | 2,147 |
| Return on Equity (ROE) | 12.0400% | 2,123 |
| Retained earnings to average equity (ytd only) | 11.8105% | 709 |
| Net charge-offs to loans | -0.0026% | 3,501 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.1204% | 2,890 |
| Assets per employee ($millions) | 6.8929% | 2,052 |
| Cash dividends to net income (ytd only)* | 1.9223% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,217 |
| Loan loss allowance to noncurrent loans | 252.0203% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 1,116 |
| Noncurrent loans to loans | 0.4905% | 1,472 |
| Net loans and leases to total assets | 57.1600% | 2,900 |
| Net loans and leases to deposits | 63.9596% | 3,046 |
| Net loans and leases to core deposits | 65.0406% | 3,193 |
| Total domestic deposits to total assets | 89.3700% | 1,614 |
| Equity capital to assets | 7.5072% | 3,382 |
| Core capital (leverage) ratio | 9.0124% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4237% | 2,599 |
| Memoranda: | ||
| Average total assets | $1,187,370,400 | 864 |
| Average earning assets | $1,103,754,800 | 851 |
| Average equity | $97,202,000 | 964 |
| Average total loans | $687,895,000 | 924 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7696% | 1,839 |
| Cost of funding earning assets | 0.2690% | 2,499 |
| Net interest margin | 3.5007% | 1,658 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.2339% | 2,836 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.0427% | 2,311 |
| Return on assets (ROA) | 1.0404% | 2,285 |
| Pretax return on assets | 1.3521% | 1,877 |
| Return on Equity (ROE) | 12.4200% | 1,905 |
| Retained earnings to average equity (ytd only) | 12.1052% | 771 |
| Net charge-offs to loans | -0.0008% | 3,155 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.0413% | 3,107 |
| Assets per employee ($millions) | 6.7655% | 2,123 |
| Cash dividends to net income (ytd only)* | 2.4964% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 2,037 |
| Loan loss allowance to noncurrent loans | 227.9494% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 1,094 |
| Noncurrent loans to loans | 0.5693% | 1,410 |
| Net loans and leases to total assets | 55.3100% | 2,972 |
| Net loans and leases to deposits | 62.0369% | 3,021 |
| Net loans and leases to core deposits | 63.2971% | 3,171 |
| Total domestic deposits to total assets | 89.1600% | 2,026 |
| Equity capital to assets | 7.4932% | 3,222 |
| Core capital (leverage) ratio | 8.7837% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1468% | 2,406 |
| Memoranda: | ||
| Average total assets | $1,155,077,000 | 880 |
| Average earning assets | $1,074,701,500 | 874 |
| Average equity | $96,793,500 | 976 |
| Average total loans | $669,386,500 | 939 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6506% | 1,678 |
| Cost of funding earning assets | 0.2124% | 2,748 |
| Net interest margin | 3.4382% | 1,489 |
| Noninterest income to average assets | 0.5026% | 2,186 |
| Noninterest expense to average assets | 2.2242% | 2,777 |
| Loan and lease loss provision to assets | 0.1197% | 833 |
| Net operating income to assets | 1.0422% | 2,013 |
| Return on assets (ROA) | 1.0369% | 2,005 |
| Pretax return on assets | 1.3507% | 1,583 |
| Return on Equity (ROE) | 11.9123% | 1,689 |
| Retained earnings to average equity (ytd only) | 11.4537% | 707 |
| Net charge-offs to loans | 0.0006% | 2,137 |
| Credit loss provision to net charge-offs | 33,750.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 4,163.5000% | 15 |
| Efficiency ratio | 59.5782% | 3,353 |
| Assets per employee ($millions) | 6.4669% | 2,338 |
| Cash dividends to net income (ytd only)* | 3.8494% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 2,170 |
| Loan loss allowance to noncurrent loans | 243.0782% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 1,078 |
| Noncurrent loans to loans | 0.5368% | 1,542 |
| Net loans and leases to total assets | 56.5350% | 2,697 |
| Net loans and leases to deposits | 63.9221% | 2,731 |
| Net loans and leases to core deposits | 65.7744% | 2,843 |
| Total domestic deposits to total assets | 88.4437% | 2,405 |
| Equity capital to assets | 8.0212% | 3,111 |
| Core capital (leverage) ratio | 9.0330% | 3,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1005% | 2,454 |
| Memoranda: | ||
| Average total assets | $1,127,408,000 | 890 |
| Average earning assets | $1,048,912,667 | 888 |
| Average equity | $98,134,000 | 972 |
| Average total loans | $661,238,333 | 940 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 1,534 |
| Cost of funding earning assets | 0.2051% | 2,724 |
| Net interest margin | 3.3835% | 1,338 |
| Noninterest income to average assets | 0.6218% | 1,598 |
| Noninterest expense to average assets | 2.2198% | 2,779 |
| Loan and lease loss provision to assets | 0.0726% | 1,139 |
| Net operating income to assets | 1.1270% | 1,449 |
| Return on assets (ROA) | 1.1250% | 1,449 |
| Pretax return on assets | 1.4754% | 1,063 |
| Return on Equity (ROE) | 12.4043% | 1,193 |
| Retained earnings to average equity (ytd only) | 11.5043% | 681 |
| Net charge-offs to loans | 0.0049% | 1,583 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 534.2500% | 193 |
| Efficiency ratio | 58.3566% | 3,642 |
| Assets per employee ($millions) | 5.5241% | 3,300 |
| Cash dividends to net income (ytd only)* | 7.2557% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 2,390 |
| Loan loss allowance to noncurrent loans | 230.1965% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 1,092 |
| Noncurrent loans to loans | 0.5623% | 1,633 |
| Net loans and leases to total assets | 55.1945% | 2,611 |
| Net loans and leases to deposits | 62.7278% | 2,652 |
| Net loans and leases to core deposits | 65.2648% | 2,691 |
| Total domestic deposits to total assets | 87.9906% | 2,529 |
| Equity capital to assets | 8.3869% | 3,252 |
| Core capital (leverage) ratio | 8.3181% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3586% | 2,815 |
| Memoranda: | ||
| Average total assets | $1,102,624,500 | 908 |
| Average earning assets | $1,026,040,500 | 905 |
| Average equity | $99,997,500 | 988 |
| Average total loans | $654,757,500 | 937 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1203% | 1,125 |
| Cost of funding earning assets | 0.2455% | 2,986 |
| Net interest margin | 3.8748% | 878 |
| Noninterest income to average assets | 0.5933% | 2,188 |
| Noninterest expense to average assets | 2.3789% | 2,555 |
| Loan and lease loss provision to assets | 0.0914% | 1,365 |
| Net operating income to assets | 1.2846% | 1,648 |
| Return on assets (ROA) | 1.2891% | 1,682 |
| Pretax return on assets | 1.7193% | 1,097 |
| Return on Equity (ROE) | 12.7529% | 1,543 |
| Retained earnings to average equity (ytd only) | 12.5268% | 465 |
| Net charge-offs to loans | 0.0835% | 969 |
| Credit loss provision to net charge-offs | 169.4915% | 1,411 |
| Earnings coverage of net charge-offs (x) | 33.4576% | 1,539 |
| Efficiency ratio | 56.3148% | 3,666 |
| Assets per employee ($millions) | 5.2031% | 3,554 |
| Cash dividends to net income (ytd only)* | 1.7733% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,798 |
| Loan loss allowance to noncurrent loans | 162.2080% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.7317% | 849 |
| Noncurrent loans to loans | 0.7510% | 1,357 |
| Net loans and leases to total assets | 62.3801% | 1,896 |
| Net loans and leases to deposits | 72.6632% | 1,847 |
| Net loans and leases to core deposits | 75.9490% | 1,925 |
| Total domestic deposits to total assets | 85.8483% | 2,958 |
| Equity capital to assets | 9.8112% | 2,842 |
| Core capital (leverage) ratio | 8.9806% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0464% | 2,878 |
| Memoranda: | ||
| Average total assets | $984,263,800 | 970 |
| Average earning assets | $912,075,200 | 974 |
| Average equity | $99,490,800 | 1,013 |
| Average total loans | $636,194,600 | 953 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 1,125 |
| Cost of funding earning assets | 0.2509% | 3,119 |
| Net interest margin | 3.9400% | 873 |
| Noninterest income to average assets | 0.6088% | 2,181 |
| Noninterest expense to average assets | 2.3568% | 2,580 |
| Loan and lease loss provision to assets | 0.0759% | 1,532 |
| Net operating income to assets | 1.3759% | 1,611 |
| Return on assets (ROA) | 1.3804% | 1,660 |
| Pretax return on assets | 1.8331% | 1,085 |
| Return on Equity (ROE) | 13.5474% | 1,537 |
| Retained earnings to average equity (ytd only) | 13.2427% | 603 |
| Net charge-offs to loans | 0.1135% | 674 |
| Credit loss provision to net charge-offs | 102.8037% | 1,558 |
| Earnings coverage of net charge-offs (x) | 25.7832% | 1,610 |
| Efficiency ratio | 54.7742% | 3,695 |
| Assets per employee ($millions) | 4.9233% | 3,772 |
| Cash dividends to net income (ytd only)* | 2.2491% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,847 |
| Loan loss allowance to noncurrent loans | 136.3094% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.8342% | 840 |
| Noncurrent loans to loans | 0.9010% | 1,279 |
| Net loans and leases to total assets | 61.9226% | 2,015 |
| Net loans and leases to deposits | 73.3445% | 1,924 |
| Net loans and leases to core deposits | 76.8132% | 1,975 |
| Total domestic deposits to total assets | 84.4272% | 3,328 |
| Equity capital to assets | 10.1896% | 2,725 |
| Core capital (leverage) ratio | 8.9553% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3549% | 2,890 |
| Memoranda: | ||
| Average total assets | $966,273,250 | 995 |
| Average earning assets | $895,479,250 | 998 |
| Average equity | $98,456,500 | 1,041 |
| Average total loans | $628,493,250 | 982 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 1,267 |
| Cost of funding earning assets | 0.2577% | 3,212 |
| Net interest margin | 3.8893% | 990 |
| Noninterest income to average assets | 0.6858% | 1,863 |
| Noninterest expense to average assets | 2.3300% | 2,674 |
| Loan and lease loss provision to assets | 0.0473% | 2,077 |
| Net operating income to assets | 1.4351% | 1,464 |
| Return on assets (ROA) | 1.4411% | 1,511 |
| Pretax return on assets | 1.9182% | 980 |
| Return on Equity (ROE) | 14.1430% | 1,370 |
| Retained earnings to average equity (ytd only) | 13.6791% | 604 |
| Net charge-offs to loans | -0.0702% | 4,506 |
| Credit loss provision to net charge-offs | -102.2727% | 3,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7851% | 3,831 |
| Assets per employee ($millions) | 5.0970% | 3,566 |
| Cash dividends to net income (ytd only)* | 3.2804% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 2,495 |
| Loan loss allowance to noncurrent loans | 121.0837% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.9952% | 757 |
| Noncurrent loans to loans | 1.0641% | 1,144 |
| Net loans and leases to total assets | 64.8777% | 1,843 |
| Net loans and leases to deposits | 76.4414% | 1,775 |
| Net loans and leases to core deposits | 80.1929% | 1,871 |
| Total domestic deposits to total assets | 84.8724% | 3,153 |
| Equity capital to assets | 10.2858% | 2,591 |
| Core capital (leverage) ratio | 8.8369% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2750% | 2,904 |
| Memoranda: | ||
| Average total assets | $951,938,667 | 1,001 |
| Average earning assets | $881,649,000 | 1,008 |
| Average equity | $96,995,000 | 1,047 |
| Average total loans | $627,077,000 | 982 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 1,381 |
| Cost of funding earning assets | 0.2643% | 3,338 |
| Net interest margin | 3.8365% | 1,078 |
| Noninterest income to average assets | 0.7884% | 1,613 |
| Noninterest expense to average assets | 2.3448% | 2,659 |
| Loan and lease loss provision to assets | -0.1060% | 4,726 |
| Net operating income to assets | 1.5732% | 1,174 |
| Return on assets (ROA) | 1.5853% | 1,205 |
| Pretax return on assets | 2.1147% | 791 |
| Return on Equity (ROE) | 15.6342% | 1,086 |
| Retained earnings to average equity (ytd only) | 14.6937% | 662 |
| Net charge-offs to loans | -0.0071% | 3,525 |
| Credit loss provision to net charge-offs | 2,272.7273% | 224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4929% | 3,847 |
| Assets per employee ($millions) | 5.3847% | 3,241 |
| Cash dividends to net income (ytd only)* | 6.0160% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,802 |
| Loan loss allowance to noncurrent loans | 97.1691% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.1169% | 700 |
| Noncurrent loans to loans | 1.2580% | 1,033 |
| Net loans and leases to total assets | 63.7294% | 2,082 |
| Net loans and leases to deposits | 75.1049% | 2,007 |
| Net loans and leases to core deposits | 79.8470% | 2,017 |
| Total domestic deposits to total assets | 84.8538% | 3,166 |
| Equity capital to assets | 10.1216% | 2,588 |
| Core capital (leverage) ratio | 8.7815% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1345% | 2,903 |
| Memoranda: | ||
| Average total assets | $943,696,000 | 997 |
| Average earning assets | $873,202,000 | 1,001 |
| Average equity | $95,687,500 | 1,045 |
| Average total loans | $622,369,500 | 985 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 1,365 |
| Cost of funding earning assets | 0.4933% | 2,988 |
| Net interest margin | 3.9867% | 997 |
| Noninterest income to average assets | 0.6881% | 1,901 |
| Noninterest expense to average assets | 2.2152% | 3,636 |
| Loan and lease loss provision to assets | 0.1525% | 2,466 |
| Net operating income to assets | 1.5017% | 804 |
| Return on assets (ROA) | 1.5000% | 888 |
| Pretax return on assets | 2.0022% | 451 |
| Return on Equity (ROE) | 15.8222% | 521 |
| Retained earnings to average equity (ytd only) | 15.5580% | 136 |
| Net charge-offs to loans | 0.2183% | 797 |
| Credit loss provision to net charge-offs | 100.8094% | 2,806 |
| Earnings coverage of net charge-offs (x) | 14.2546% | 2,224 |
| Efficiency ratio | 50.3158% | 4,510 |
| Assets per employee ($millions) | 5.4637% | 2,879 |
| Cash dividends to net income (ytd only)* | 1.6700% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,788 |
| Loan loss allowance to noncurrent loans | 115.9516% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.0166% | 929 |
| Noncurrent loans to loans | 1.0621% | 1,338 |
| Net loans and leases to total assets | 66.5810% | 2,009 |
| Net loans and leases to deposits | 79.6773% | 1,903 |
| Net loans and leases to core deposits | 86.2650% | 1,846 |
| Total domestic deposits to total assets | 83.5634% | 3,243 |
| Equity capital to assets | 10.1581% | 2,975 |
| Core capital (leverage) ratio | 8.8241% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6287% | 3,002 |
| Memoranda: | ||
| Average total assets | $898,173,600 | 969 |
| Average earning assets | $829,964,800 | 972 |
| Average equity | $85,152,400 | 1,094 |
| Average total loans | $622,552,800 | 947 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 1,624 |
| Cost of funding earning assets | 0.5533% | 2,909 |
| Net interest margin | 3.9279% | 1,284 |
| Noninterest income to average assets | 0.5109% | 2,562 |
| Noninterest expense to average assets | 2.1016% | 3,941 |
| Loan and lease loss provision to assets | 0.2730% | 1,477 |
| Net operating income to assets | 1.2790% | 1,400 |
| Return on assets (ROA) | 1.2758% | 1,516 |
| Pretax return on assets | 1.7644% | 842 |
| Return on Equity (ROE) | 13.7144% | 935 |
| Retained earnings to average equity (ytd only) | 13.3517% | 300 |
| Net charge-offs to loans | 0.3772% | 422 |
| Credit loss provision to net charge-offs | 103.6446% | 2,596 |
| Earnings coverage of net charge-offs (x) | 7.7523% | 2,550 |
| Efficiency ratio | 50.3294% | 4,467 |
| Assets per employee ($millions) | 5.6010% | 2,623 |
| Cash dividends to net income (ytd only)* | 2.6446% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,624 |
| Loan loss allowance to noncurrent loans | 117.0063% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 1,068 |
| Noncurrent loans to loans | 1.0318% | 1,453 |
| Net loans and leases to total assets | 69.1436% | 2,088 |
| Net loans and leases to deposits | 88.6212% | 1,416 |
| Net loans and leases to core deposits | 101.7156% | 1,045 |
| Total domestic deposits to total assets | 78.0215% | 4,199 |
| Equity capital to assets | 9.7246% | 3,495 |
| Core capital (leverage) ratio | 8.3321% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2333% | 3,068 |
| Memoranda: | ||
| Average total assets | $889,143,750 | 962 |
| Average earning assets | $822,161,750 | 967 |
| Average equity | $82,714,000 | 1,115 |
| Average total loans | $620,736,500 | 944 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5115% | 1,882 |
| Cost of funding earning assets | 0.6430% | 2,742 |
| Net interest margin | 3.8685% | 1,648 |
| Noninterest income to average assets | 0.3948% | 3,117 |
| Noninterest expense to average assets | 2.0653% | 4,105 |
| Loan and lease loss provision to assets | 0.4148% | 962 |
| Net operating income to assets | 1.0633% | 2,100 |
| Return on assets (ROA) | 1.0592% | 2,242 |
| Pretax return on assets | 1.4911% | 1,473 |
| Return on Equity (ROE) | 11.5700% | 1,459 |
| Retained earnings to average equity (ytd only) | 11.5700% | 517 |
| Net charge-offs to loans | 0.5745% | 272 |
| Credit loss provision to net charge-offs | 103.5267% | 2,372 |
| Earnings coverage of net charge-offs (x) | 4.7696% | 2,573 |
| Efficiency ratio | 51.9374% | 4,357 |
| Assets per employee ($millions) | 5.9213% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 2,489 |
| Loan loss allowance to noncurrent loans | 104.3159% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 1.1143% | 1,024 |
| Noncurrent loans to loans | 1.1546% | 1,363 |
| Net loans and leases to total assets | 69.3264% | 2,139 |
| Net loans and leases to deposits | 86.6944% | 1,697 |
| Net loans and leases to core deposits | 102.8822% | 1,072 |
| Total domestic deposits to total assets | 79.9664% | 3,844 |
| Equity capital to assets | 9.2694% | 3,863 |
| Core capital (leverage) ratio | 8.3586% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1793% | 3,140 |
| Memoranda: | ||
| Average total assets | $877,472,333 | 958 |
| Average earning assets | $812,412,333 | 957 |
| Average equity | $80,328,333 | 1,133 |
| Average total loans | $612,047,000 | 946 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6014% | 1,992 |
| Cost of funding earning assets | 0.8026% | 2,381 |
| Net interest margin | 3.7988% | 1,977 |
| Noninterest income to average assets | 0.3460% | 3,448 |
| Noninterest expense to average assets | 2.1486% | 4,119 |
| Loan and lease loss provision to assets | 0.6648% | 397 |
| Net operating income to assets | 0.7838% | 2,959 |
| Return on assets (ROA) | 0.7697% | 3,095 |
| Pretax return on assets | 1.0272% | 2,751 |
| Return on Equity (ROE) | 8.4654% | 2,327 |
| Retained earnings to average equity (ytd only) | 8.4654% | 1,109 |
| Net charge-offs to loans | 0.9340% | 160 |
| Credit loss provision to net charge-offs | 102.3792% | 1,799 |
| Earnings coverage of net charge-offs (x) | 2.6330% | 2,267 |
| Efficiency ratio | 55.6850% | 4,238 |
| Assets per employee ($millions) | 5.6311% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 2,132 |
| Loan loss allowance to noncurrent loans | 96.5492% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.2153% | 1,010 |
| Noncurrent loans to loans | 1.3505% | 1,194 |
| Net loans and leases to total assets | 68.3358% | 2,494 |
| Net loans and leases to deposits | 80.8562% | 2,593 |
| Net loans and leases to core deposits | 94.0718% | 1,970 |
| Total domestic deposits to total assets | 84.5152% | 2,595 |
| Equity capital to assets | 8.9459% | 4,631 |
| Core capital (leverage) ratio | 8.4997% | 4,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8360% | 3,347 |
| Memoranda: | ||
| Average total assets | $854,343,500 | 955 |
| Average earning assets | $789,938,500 | 953 |
| Average equity | $77,680,500 | 1,165 |
| Average total loans | $593,972,500 | 948 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 2,158 |
| Cost of funding earning assets | 1.0107% | 1,680 |
| Net interest margin | 3.7519% | 2,656 |
| Noninterest income to average assets | 0.3804% | 3,419 |
| Noninterest expense to average assets | 2.2344% | 4,093 |
| Loan and lease loss provision to assets | 0.0829% | 2,349 |
| Net operating income to assets | 1.3094% | 1,650 |
| Return on assets (ROA) | 1.3179% | 1,703 |
| Pretax return on assets | 1.5563% | 1,633 |
| Return on Equity (ROE) | 14.9861% | 691 |
| Retained earnings to average equity (ytd only) | 14.9861% | 93 |
| Net charge-offs to loans | 0.0249% | 2,905 |
| Credit loss provision to net charge-offs | 475.3521% | 612 |
| Earnings coverage of net charge-offs (x) | 93.4085% | 715 |
| Efficiency ratio | 57.8318% | 3,991 |
| Assets per employee ($millions) | 5.3615% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 1,875 |
| Loan loss allowance to noncurrent loans | 85.8172% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.3541% | 790 |
| Noncurrent loans to loans | 1.5260% | 941 |
| Net loans and leases to total assets | 68.8998% | 2,552 |
| Net loans and leases to deposits | 79.1468% | 2,890 |
| Net loans and leases to core deposits | 93.3488% | 2,126 |
| Total domestic deposits to total assets | 87.0531% | 1,578 |
| Equity capital to assets | 9.2414% | 4,539 |
| Core capital (leverage) ratio | 8.3246% | 4,936 |
| Tier 1 risk-based capital ratio | 9.8538% | 5,135 |
| Total risk-based capital ratio | 10.9746% | 5,124 |
| Memoranda: | ||
| Average total assets | $814,124,800 | 961 |
| Average earning assets | $755,837,600 | 954 |
| Average equity | $71,593,000 | 1,201 |
| Average total loans | $571,274,200 | 952 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7811% | 2,174 |
| Cost of funding earning assets | 1.0563% | 1,515 |
| Net interest margin | 3.7247% | 2,839 |
| Noninterest income to average assets | 0.3741% | 3,474 |
| Noninterest expense to average assets | 2.1993% | 4,182 |
| Loan and lease loss provision to assets | 0.1199% | 1,633 |
| Net operating income to assets | 1.2717% | 1,944 |
| Return on assets (ROA) | 1.2754% | 2,013 |
| Pretax return on assets | 1.5211% | 1,899 |
| Return on Equity (ROE) | 14.7003% | 847 |
| Retained earnings to average equity (ytd only) | 14.7003% | 169 |
| Net charge-offs to loans | 0.0447% | 2,197 |
| Credit loss provision to net charge-offs | 381.5789% | 795 |
| Earnings coverage of net charge-offs (x) | 52.0625% | 1,157 |
| Efficiency ratio | 57.3345% | 4,024 |
| Assets per employee ($millions) | 5.2827% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 1,807 |
| Loan loss allowance to noncurrent loans | 132.5180% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0406% | 1,283 |
| Noncurrent loans to loans | 1.0097% | 1,583 |
| Net loans and leases to total assets | 68.8719% | 2,647 |
| Net loans and leases to deposits | 78.5012% | 3,051 |
| Net loans and leases to core deposits | 97.1527% | 1,889 |
| Total domestic deposits to total assets | 87.7335% | 1,155 |
| Equity capital to assets | 9.0832% | 4,738 |
| Core capital (leverage) ratio | 7.9587% | 5,127 |
| Tier 1 risk-based capital ratio | 9.7140% | 5,218 |
| Total risk-based capital ratio | 10.8723% | 5,202 |
| Memoranda: | ||
| Average total assets | $805,875,500 | 971 |
| Average earning assets | $748,990,500 | 962 |
| Average equity | $69,919,750 | 1,221 |
| Average total loans | $566,240,250 | 955 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7482% | 2,232 |
| Cost of funding earning assets | 1.0386% | 1,537 |
| Net interest margin | 3.7095% | 2,906 |
| Noninterest income to average assets | 0.3842% | 3,372 |
| Noninterest expense to average assets | 2.1849% | 4,255 |
| Loan and lease loss provision to assets | 0.1441% | 1,286 |
| Net operating income to assets | 1.3467% | 1,590 |
| Return on assets (ROA) | 1.3518% | 1,632 |
| Pretax return on assets | 1.5125% | 1,816 |
| Return on Equity (ROE) | 15.8380% | 618 |
| Retained earnings to average equity (ytd only) | 15.8380% | 134 |
| Net charge-offs to loans | 0.0007% | 3,158 |
| Credit loss provision to net charge-offs | 28,750.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 3,293.5000% | 9 |
| Efficiency ratio | 56.9618% | 4,137 |
| Assets per employee ($millions) | 5.2684% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 1,779 |
| Loan loss allowance to noncurrent loans | 114.0826% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.1843% | 1,130 |
| Noncurrent loans to loans | 1.1911% | 1,345 |
| Net loans and leases to total assets | 69.6545% | 2,579 |
| Net loans and leases to deposits | 79.5322% | 3,003 |
| Net loans and leases to core deposits | 97.8639% | 1,896 |
| Total domestic deposits to total assets | 87.5802% | 1,298 |
| Equity capital to assets | 8.9326% | 4,832 |
| Core capital (leverage) ratio | 7.9344% | 5,179 |
| Tier 1 risk-based capital ratio | 9.5150% | 5,276 |
| Total risk-based capital ratio | 10.6894% | 5,262 |
| Memoranda: | ||
| Average total assets | $798,038,000 | 979 |
| Average earning assets | $742,519,000 | 971 |
| Average equity | $68,114,670 | 1,236 |
| Average total loans | $561,999,670 | 959 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6522% | 2,370 |
| Cost of funding earning assets | 0.9814% | 1,648 |
| Net interest margin | 3.6708% | 3,005 |
| Noninterest income to average assets | 0.4044% | 3,154 |
| Noninterest expense to average assets | 2.1496% | 4,373 |
| Loan and lease loss provision to assets | 0.1011% | 1,737 |
| Net operating income to assets | 1.6644% | 791 |
| Return on assets (ROA) | 1.6760% | 795 |
| Pretax return on assets | 1.5795% | 1,523 |
| Return on Equity (ROE) | 20.1166% | 259 |
| Retained earnings to average equity (ytd only) | 20.1166% | 104 |
| Net charge-offs to loans | 0.0029% | 2,641 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 825.5000% | 80 |
| Efficiency ratio | 56.2938% | 4,293 |
| Assets per employee ($millions) | 5.1473% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 2,036 |
| Loan loss allowance to noncurrent loans | 160.0691% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.9540% | 1,472 |
| Noncurrent loans to loans | 0.8196% | 2,006 |
| Net loans and leases to total assets | 70.3044% | 2,437 |
| Net loans and leases to deposits | 80.0393% | 2,837 |
| Net loans and leases to core deposits | 97.8129% | 1,792 |
| Total domestic deposits to total assets | 87.8374% | 1,428 |
| Equity capital to assets | 8.6377% | 4,907 |
| Core capital (leverage) ratio | 7.9553% | 5,215 |
| Tier 1 risk-based capital ratio | 9.2387% | 5,339 |
| Total risk-based capital ratio | 10.3612% | 5,336 |
| Memoranda: | ||
| Average total assets | $791,391,000 | 983 |
| Average earning assets | $736,087,000 | 982 |
| Average equity | $65,935,500 | 1,267 |
| Average total loans | $556,542,500 | 967 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 2,461 |
| Cost of funding earning assets | 0.7954% | 1,541 |
| Net interest margin | 3.7045% | 3,019 |
| Noninterest income to average assets | 0.4017% | 3,430 |
| Noninterest expense to average assets | 2.1639% | 4,418 |
| Loan and lease loss provision to assets | 0.1208% | 1,822 |
| Net operating income to assets | 1.5290% | 1,045 |
| Return on assets (ROA) | 1.5281% | 1,031 |
| Pretax return on assets | 1.5281% | 1,684 |
| Return on Equity (ROE) | 17.0396% | 491 |
| Retained earnings to average equity (ytd only) | -2.3226% | 5,145 |
| Net charge-offs to loans | -0.0025% | 4,260 |
| Credit loss provision to net charge-offs | -6,884.6154% | 4,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7393% | 4,314 |
| Assets per employee ($millions) | 5.5641% | 1,900 |
| Cash dividends to net income (ytd only)* | 113.6307% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 1,973 |
| Loan loss allowance to noncurrent loans | 146.2584% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.9954% | 1,377 |
| Noncurrent loans to loans | 0.8992% | 1,787 |
| Net loans and leases to total assets | 68.4944% | 2,805 |
| Net loans and leases to deposits | 78.4285% | 3,119 |
| Net loans and leases to core deposits | 87.9743% | 2,756 |
| Total domestic deposits to total assets | 87.3336% | 1,624 |
| Equity capital to assets | 8.0245% | 5,155 |
| Core capital (leverage) ratio | 7.7473% | 5,289 |
| Tier 1 risk-based capital ratio | 8.9727% | 5,382 |
| Total risk-based capital ratio | 10.0939% | 5,383 |
| Memoranda: | ||
| Average total assets | $740,789,800 | 1,007 |
| Average earning assets | $682,297,400 | 1,012 |
| Average equity | $66,433,400 | 1,215 |
| Average total loans | $510,772,000 | 1,029 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 2,387 |
| Cost of funding earning assets | 0.7571% | 1,552 |
| Net interest margin | 3.7160% | 2,963 |
| Noninterest income to average assets | 0.3891% | 3,545 |
| Noninterest expense to average assets | 2.0576% | 4,633 |
| Loan and lease loss provision to assets | 0.0595% | 2,789 |
| Net operating income to assets | 1.6892% | 766 |
| Return on assets (ROA) | 1.6886% | 765 |
| Pretax return on assets | 1.6886% | 1,303 |
| Return on Equity (ROE) | 18.3075% | 398 |
| Retained earnings to average equity (ytd only) | 8.5584% | 1,391 |
| Net charge-offs to loans | -0.0144% | 4,498 |
| Credit loss provision to net charge-offs | -601.8519% | 4,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0585% | 4,610 |
| Assets per employee ($millions) | 5.2589% | 2,164 |
| Cash dividends to net income (ytd only)* | 53.2516% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,063 |
| Loan loss allowance to noncurrent loans | 166.9331% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 1,437 |
| Noncurrent loans to loans | 0.7833% | 2,141 |
| Net loans and leases to total assets | 69.5169% | 2,722 |
| Net loans and leases to deposits | 81.0952% | 2,914 |
| Net loans and leases to core deposits | 94.4375% | 2,250 |
| Total domestic deposits to total assets | 85.7225% | 2,315 |
| Equity capital to assets | 9.3860% | 4,197 |
| Core capital (leverage) ratio | 8.9489% | 4,747 |
| Tier 1 risk-based capital ratio | 10.5829% | 5,214 |
| Total risk-based capital ratio | 11.6974% | 5,169 |
| Memoranda: | ||
| Average total assets | $728,461,000 | 1,019 |
| Average earning assets | $669,870,500 | 1,029 |
| Average equity | $67,191,250 | 1,201 |
| Average total loans | $501,367,500 | 1,042 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4033% | 2,403 |
| Cost of funding earning assets | 0.6947% | 1,650 |
| Net interest margin | 3.7087% | 2,892 |
| Noninterest income to average assets | 0.3768% | 3,635 |
| Noninterest expense to average assets | 2.0747% | 4,667 |
| Loan and lease loss provision to assets | 0.0343% | 3,229 |
| Net operating income to assets | 1.6773% | 755 |
| Return on assets (ROA) | 1.6773% | 763 |
| Pretax return on assets | 1.6773% | 1,279 |
| Return on Equity (ROE) | 18.2916% | 394 |
| Retained earnings to average equity (ytd only) | 9.7005% | 1,009 |
| Net charge-offs to loans | -0.0245% | 4,657 |
| Credit loss provision to net charge-offs | -204.9180% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7943% | 4,609 |
| Assets per employee ($millions) | 5.2077% | 2,185 |
| Cash dividends to net income (ytd only)* | 46.9675% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 2,225 |
| Loan loss allowance to noncurrent loans | 154.2300% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0622% | 1,398 |
| Noncurrent loans to loans | 0.8351% | 2,057 |
| Net loans and leases to total assets | 68.7100% | 2,763 |
| Net loans and leases to deposits | 80.4856% | 2,896 |
| Net loans and leases to core deposits | 92.8749% | 2,320 |
| Total domestic deposits to total assets | 85.3693% | 2,537 |
| Equity capital to assets | 9.3684% | 4,219 |
| Core capital (leverage) ratio | 8.9098% | 4,767 |
| Tier 1 risk-based capital ratio | 10.5533% | 5,250 |
| Total risk-based capital ratio | 11.6518% | 5,219 |
| Memoranda: | ||
| Average total assets | $729,373,670 | 1,021 |
| Average earning assets | $670,538,330 | 1,036 |
| Average equity | $66,883,000 | 1,203 |
| Average total loans | $498,095,330 | 1,052 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3066% | 2,489 |
| Cost of funding earning assets | 0.6249% | 1,881 |
| Net interest margin | 3.6817% | 2,872 |
| Noninterest income to average assets | 0.3753% | 3,630 |
| Noninterest expense to average assets | 2.0789% | 4,704 |
| Loan and lease loss provision to assets | -0.0546% | 5,468 |
| Net operating income to assets | 1.7440% | 622 |
| Return on assets (ROA) | 1.7440% | 633 |
| Pretax return on assets | 1.7440% | 1,017 |
| Return on Equity (ROE) | 19.2241% | 303 |
| Retained earnings to average equity (ytd only) | 10.5034% | 1,014 |
| Net charge-offs to loans | -0.0509% | 4,975 |
| Credit loss provision to net charge-offs | 158.7302% | 1,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1689% | 4,677 |
| Assets per employee ($millions) | 5.2245% | 2,228 |
| Cash dividends to net income (ytd only)* | 45.3634% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,284 |
| Loan loss allowance to noncurrent loans | 171.0426% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 1.0807% | 1,442 |
| Noncurrent loans to loans | 0.7551% | 2,312 |
| Net loans and leases to total assets | 67.9089% | 2,779 |
| Net loans and leases to deposits | 76.8731% | 3,125 |
| Net loans and leases to core deposits | 83.9058% | 2,992 |
| Total domestic deposits to total assets | 88.3390% | 1,435 |
| Equity capital to assets | 9.4163% | 4,164 |
| Core capital (leverage) ratio | 8.6964% | 4,994 |
| Tier 1 risk-based capital ratio | 10.6276% | 5,308 |
| Total risk-based capital ratio | 11.7216% | 5,271 |
| Memoranda: | ||
| Average total assets | $732,122,000 | 1,026 |
| Average earning assets | $674,693,000 | 1,032 |
| Average equity | $66,416,500 | 1,216 |
| Average total loans | $495,210,000 | 1,062 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 2,594 |
| Cost of funding earning assets | 0.5757% | 1,773 |
| Net interest margin | 3.6500% | 2,989 |
| Noninterest income to average assets | 0.0972% | 5,421 |
| Noninterest expense to average assets | 2.0327% | 4,907 |
| Loan and lease loss provision to assets | 0.5169% | 255 |
| Net operating income to assets | 0.9002% | 2,706 |
| Return on assets (ROA) | 0.9004% | 2,738 |
| Pretax return on assets | 0.9004% | 3,926 |
| Return on Equity (ROE) | 10.2471% | 1,789 |
| Retained earnings to average equity (ytd only) | 0.3832% | 4,876 |
| Net charge-offs to loans | 0.7234% | 292 |
| Credit loss provision to net charge-offs | 107.3709% | 2,414 |
| Earnings coverage of net charge-offs (x) | 2.9434% | 3,670 |
| Efficiency ratio | 58.9219% | 4,424 |
| Assets per employee ($millions) | 5.9292% | 1,569 |
| Cash dividends to net income (ytd only)* | 96.2607% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 2,486 |
| Loan loss allowance to noncurrent loans | 496.7691% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 2,078 |
| Noncurrent loans to loans | 0.2512% | 3,885 |
| Net loans and leases to total assets | 65.7344% | 3,135 |
| Net loans and leases to deposits | 73.7763% | 3,538 |
| Net loans and leases to core deposits | 81.3429% | 3,304 |
| Total domestic deposits to total assets | 89.0996% | 963 |
| Equity capital to assets | 8.7517% | 4,924 |
| Core capital (leverage) ratio | 8.3425% | 5,259 |
| Tier 1 risk-based capital ratio | 10.0139% | 5,533 |
| Total risk-based capital ratio | 11.0809% | 5,527 |
| Memoranda: | ||
| Average total assets | $715,761,800 | 1,020 |
| Average earning assets | $657,416,600 | 1,026 |
| Average equity | $62,895,600 | 1,257 |
| Average total loans | $476,332,600 | 1,075 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 2,553 |
| Cost of funding earning assets | 0.5718% | 1,727 |
| Net interest margin | 3.6447% | 2,977 |
| Noninterest income to average assets | 0.3809% | 3,805 |
| Noninterest expense to average assets | 1.9694% | 5,017 |
| Loan and lease loss provision to assets | 0.6620% | 171 |
| Net operating income to assets | 1.0998% | 2,095 |
| Return on assets (ROA) | 1.1002% | 2,143 |
| Pretax return on assets | 1.1002% | 3,300 |
| Return on Equity (ROE) | 12.5064% | 1,185 |
| Retained earnings to average equity (ytd only) | 0.7804% | 5,042 |
| Net charge-offs to loans | 0.9709% | 180 |
| Credit loss provision to net charge-offs | 102.4590% | 2,236 |
| Earnings coverage of net charge-offs (x) | 2.7269% | 3,430 |
| Efficiency ratio | 52.7828% | 5,041 |
| Assets per employee ($millions) | 5.4798% | 1,941 |
| Cash dividends to net income (ytd only)* | 93.7596% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 2,435 |
| Loan loss allowance to noncurrent loans | 445.1379% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 1,940 |
| Noncurrent loans to loans | 0.2887% | 3,907 |
| Net loans and leases to total assets | 65.6342% | 3,156 |
| Net loans and leases to deposits | 74.1190% | 3,547 |
| Net loans and leases to core deposits | 81.8065% | 3,306 |
| Total domestic deposits to total assets | 88.5525% | 1,098 |
| Equity capital to assets | 8.9880% | 4,924 |
| Core capital (leverage) ratio | 8.1948% | 5,421 |
| Tier 1 risk-based capital ratio | 10.0218% | 5,594 |
| Total risk-based capital ratio | 11.1134% | 5,592 |
| Memoranda: | ||
| Average total assets | $704,966,750 | 1,043 |
| Average earning assets | $648,006,750 | 1,044 |
| Average equity | $62,014,500 | 1,283 |
| Average total loans | $469,118,250 | 1,089 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1721% | 2,575 |
| Cost of funding earning assets | 0.5562% | 1,737 |
| Net interest margin | 3.6159% | 2,974 |
| Noninterest income to average assets | 0.3879% | 3,765 |
| Noninterest expense to average assets | 2.0069% | 4,964 |
| Loan and lease loss provision to assets | 0.8278% | 123 |
| Net operating income to assets | 0.8766% | 3,033 |
| Return on assets (ROA) | 0.8766% | 3,090 |
| Pretax return on assets | 0.8766% | 4,008 |
| Return on Equity (ROE) | 10.0394% | 2,018 |
| Retained earnings to average equity (ytd only) | -7.7903% | 5,604 |
| Net charge-offs to loans | 1.2595% | 152 |
| Credit loss provision to net charge-offs | 98.7402% | 2,051 |
| Earnings coverage of net charge-offs (x) | 2.0330% | 3,218 |
| Efficiency ratio | 54.0763% | 5,010 |
| Assets per employee ($millions) | 5.6626% | 1,736 |
| Cash dividends to net income (ytd only)* | 177.5969% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 2,496 |
| Loan loss allowance to noncurrent loans | 697.5638% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.9495% | 1,851 |
| Noncurrent loans to loans | 0.1840% | 4,382 |
| Net loans and leases to total assets | 65.3321% | 3,205 |
| Net loans and leases to deposits | 73.4248% | 3,603 |
| Net loans and leases to core deposits | 81.8403% | 3,268 |
| Total domestic deposits to total assets | 88.9782% | 969 |
| Equity capital to assets | 8.5335% | 5,279 |
| Core capital (leverage) ratio | 7.7271% | 5,602 |
| Tier 1 risk-based capital ratio | 9.3641% | 5,719 |
| Total risk-based capital ratio | 10.4448% | 5,724 |
| Memoranda: | ||
| Average total assets | $700,669,000 | 1,047 |
| Average earning assets | $643,985,330 | 1,051 |
| Average equity | $61,179,000 | 1,299 |
| Average total loans | $466,392,330 | 1,099 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 2,699 |
| Cost of funding earning assets | 0.5414% | 1,772 |
| Net interest margin | 3.5458% | 3,094 |
| Noninterest income to average assets | 0.4045% | 3,626 |
| Noninterest expense to average assets | 2.1248% | 4,803 |
| Loan and lease loss provision to assets | 0.1148% | 1,668 |
| Net operating income to assets | 1.4420% | 907 |
| Return on assets (ROA) | 1.4420% | 934 |
| Pretax return on assets | 1.4420% | 1,725 |
| Return on Equity (ROE) | 16.3268% | 489 |
| Retained earnings to average equity (ytd only) | 8.5760% | 1,239 |
| Net charge-offs to loans | -0.0043% | 4,139 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7151% | 4,750 |
| Assets per employee ($millions) | 5.5323% | 1,859 |
| Cash dividends to net income (ytd only)* | 47.4731% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 2,248 |
| Loan loss allowance to noncurrent loans | 83.7125% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.7621% | 824 |
| Noncurrent loans to loans | 1.6276% | 1,197 |
| Net loans and leases to total assets | 66.0077% | 2,970 |
| Net loans and leases to deposits | 74.8227% | 3,319 |
| Net loans and leases to core deposits | 81.7972% | 3,109 |
| Total domestic deposits to total assets | 88.2188% | 1,583 |
| Equity capital to assets | 9.0974% | 4,716 |
| Core capital (leverage) ratio | 8.3148% | 5,372 |
| Tier 1 risk-based capital ratio | 9.8619% | 5,728 |
| Total risk-based capital ratio | 10.9675% | 5,736 |
| Memoranda: | ||
| Average total assets | $697,091,500 | 1,059 |
| Average earning assets | $644,264,000 | 1,052 |
| Average equity | $61,567,500 | 1,290 |
| Average total loans | $465,364,000 | 1,101 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 2,736 |
| Cost of funding earning assets | 0.5377% | 1,808 |
| Net interest margin | 3.5922% | 3,096 |
| Noninterest income to average assets | 0.3717% | 4,090 |
| Noninterest expense to average assets | 1.9487% | 5,287 |
| Loan and lease loss provision to assets | 0.1284% | 1,935 |
| Net operating income to assets | 1.6081% | 667 |
| Return on assets (ROA) | 1.6081% | 692 |
| Pretax return on assets | 1.6096% | 1,250 |
| Return on Equity (ROE) | 17.5082% | 362 |
| Retained earnings to average equity (ytd only) | 4.4706% | 2,730 |
| Net charge-offs to loans | 0.1103% | 2,165 |
| Credit loss provision to net charge-offs | 172.6190% | 1,610 |
| Earnings coverage of net charge-offs (x) | 23.3710% | 1,688 |
| Efficiency ratio | 52.8576% | 5,321 |
| Assets per employee ($millions) | 6.2121% | 1,325 |
| Cash dividends to net income (ytd only)* | 74.4655% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,640 |
| Loan loss allowance to noncurrent loans | 988.5621% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.7292% | 2,544 |
| Noncurrent loans to loans | 0.1298% | 4,715 |
| Net loans and leases to total assets | 65.7472% | 3,108 |
| Net loans and leases to deposits | 74.1612% | 3,494 |
| Net loans and leases to core deposits | 82.1563% | 3,199 |
| Total domestic deposits to total assets | 88.6544% | 1,292 |
| Equity capital to assets | 8.5750% | 5,213 |
| Core capital (leverage) ratio | 8.1307% | 5,542 |
| Tier 1 risk-based capital ratio | 10.0165% | 5,733 |
| Total risk-based capital ratio | 11.1288% | 5,734 |
| Memoranda: | ||
| Average total assets | $677,739,000 | 1,046 |
| Average earning assets | $625,446,400 | 1,043 |
| Average equity | $62,250,800 | 1,260 |
| Average total loans | $456,753,200 | 1,072 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1117% | 2,831 |
| Cost of funding earning assets | 0.5410% | 1,781 |
| Net interest margin | 3.5707% | 3,195 |
| Noninterest income to average assets | 0.3920% | 3,979 |
| Noninterest expense to average assets | 1.9474% | 5,298 |
| Loan and lease loss provision to assets | 0.1094% | 2,102 |
| Net operating income to assets | 1.6293% | 684 |
| Return on assets (ROA) | 1.6293% | 724 |
| Pretax return on assets | 1.6313% | 1,300 |
| Return on Equity (ROE) | 17.4327% | 399 |
| Retained earnings to average equity (ytd only) | 9.5753% | 666 |
| Net charge-offs to loans | 0.0180% | 3,361 |
| Credit loss provision to net charge-offs | 901.6393% | 446 |
| Earnings coverage of net charge-offs (x) | 143.4285% | 484 |
| Efficiency ratio | 52.8025% | 5,328 |
| Assets per employee ($millions) | 5.9352% | 1,475 |
| Cash dividends to net income (ytd only)* | 45.0727% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 2,528 |
| Loan loss allowance to noncurrent loans | 380.5795% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.9132% | 2,271 |
| Noncurrent loans to loans | 0.3498% | 3,996 |
| Net loans and leases to total assets | 66.4482% | 3,050 |
| Net loans and leases to deposits | 79.4484% | 3,026 |
| Net loans and leases to core deposits | 88.0004% | 2,763 |
| Total domestic deposits to total assets | 83.6369% | 3,340 |
| Equity capital to assets | 9.5294% | 4,628 |
| Core capital (leverage) ratio | 8.5034% | 5,355 |
| Tier 1 risk-based capital ratio | 10.5806% | 5,580 |
| Total risk-based capital ratio | 11.7417% | 5,542 |
| Memoranda: | ||
| Average total assets | $670,127,750 | 1,058 |
| Average earning assets | $618,606,250 | 1,051 |
| Average equity | $62,631,750 | 1,257 |
| Average total loans | $453,026,250 | 1,074 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0754% | 2,972 |
| Cost of funding earning assets | 0.5489% | 1,706 |
| Net interest margin | 3.5264% | 3,385 |
| Noninterest income to average assets | 0.3398% | 4,348 |
| Noninterest expense to average assets | 1.9542% | 5,362 |
| Loan and lease loss provision to assets | 0.0377% | 3,403 |
| Net operating income to assets | 1.5997% | 726 |
| Return on assets (ROA) | 1.5997% | 770 |
| Pretax return on assets | 1.6027% | 1,369 |
| Return on Equity (ROE) | 17.2324% | 417 |
| Retained earnings to average equity (ytd only) | 9.5004% | 717 |
| Net charge-offs to loans | 0.0280% | 2,926 |
| Credit loss provision to net charge-offs | 198.4127% | 1,318 |
| Earnings coverage of net charge-offs (x) | 86.4444% | 655 |
| Efficiency ratio | 54.3657% | 5,278 |
| Assets per employee ($millions) | 5.8491% | 1,512 |
| Cash dividends to net income (ytd only)* | 44.8691% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,938 |
| Loan loss allowance to noncurrent loans | 299.7392% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.9567% | 2,235 |
| Noncurrent loans to loans | 0.4246% | 3,830 |
| Net loans and leases to total assets | 66.2664% | 3,045 |
| Net loans and leases to deposits | 79.8095% | 2,951 |
| Net loans and leases to core deposits | 87.9572% | 2,732 |
| Total domestic deposits to total assets | 83.0308% | 3,643 |
| Equity capital to assets | 9.5503% | 4,716 |
| Core capital (leverage) ratio | 8.3006% | 5,534 |
| Tier 1 risk-based capital ratio | 10.4359% | 5,699 |
| Total risk-based capital ratio | 11.5320% | 5,684 |
| Memoranda: | ||
| Average total assets | $664,009,670 | 1,071 |
| Average earning assets | $612,855,330 | 1,064 |
| Average equity | $61,639,670 | 1,274 |
| Average total loans | $449,482,670 | 1,082 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0591% | 3,000 |
| Cost of funding earning assets | 0.5762% | 1,501 |
| Net interest margin | 3.4829% | 3,549 |
| Noninterest income to average assets | 0.3839% | 3,958 |
| Noninterest expense to average assets | 1.9998% | 5,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6122% | 683 |
| Return on assets (ROA) | 1.6122% | 727 |
| Pretax return on assets | 1.6122% | 1,264 |
| Return on Equity (ROE) | 17.7518% | 379 |
| Retained earnings to average equity (ytd only) | 11.0274% | 648 |
| Net charge-offs to loans | 0.0484% | 2,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 49.3462% | 891 |
| Efficiency ratio | 55.3662% | 5,246 |
| Assets per employee ($millions) | 6.3929% | 1,169 |
| Cash dividends to net income (ytd only)* | 37.8800% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,987 |
| Loan loss allowance to noncurrent loans | 234.3670% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 1.0608% | 2,086 |
| Noncurrent loans to loans | 0.5480% | 3,536 |
| Net loans and leases to total assets | 64.3944% | 3,189 |
| Net loans and leases to deposits | 73.6050% | 3,481 |
| Net loans and leases to core deposits | 80.8573% | 3,247 |
| Total domestic deposits to total assets | 87.4864% | 1,934 |
| Equity capital to assets | 8.9248% | 5,246 |
| Core capital (leverage) ratio | 8.3048% | 5,565 |
| Tier 1 risk-based capital ratio | 9.8171% | 5,945 |
| Total risk-based capital ratio | 10.8648% | 5,965 |
| Memoranda: | ||
| Average total assets | $636,661,000 | 1,111 |
| Average earning assets | $590,086,000 | 1,110 |
| Average equity | $57,819,500 | 1,339 |
| Average total loans | $430,068,000 | 1,134 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0807% | 2,996 |
| Cost of funding earning assets | 0.6167% | 1,263 |
| Net interest margin | 3.4640% | 3,659 |
| Noninterest income to average assets | 0.4026% | 4,016 |
| Noninterest expense to average assets | 1.9649% | 5,521 |
| Loan and lease loss provision to assets | -0.1657% | 5,944 |
| Net operating income to assets | 1.7993% | 486 |
| Return on assets (ROA) | 1.7998% | 497 |
| Pretax return on assets | 1.8028% | 804 |
| Return on Equity (ROE) | 20.3129% | 236 |
| Retained earnings to average equity (ytd only) | 4.3541% | 2,882 |
| Net charge-offs to loans | -0.3633% | 6,043 |
| Credit loss provision to net charge-offs | 68.9307% | 3,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5569% | 5,485 |
| Assets per employee ($millions) | 5.8005% | 1,536 |
| Cash dividends to net income (ytd only)* | 78.5650% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,946 |
| Loan loss allowance to noncurrent loans | 281.3131% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 1,957 |
| Noncurrent loans to loans | 0.4598% | 3,825 |
| Net loans and leases to total assets | 69.1274% | 2,514 |
| Net loans and leases to deposits | 81.1434% | 2,693 |
| Net loans and leases to core deposits | 91.4944% | 2,270 |
| Total domestic deposits to total assets | 85.1916% | 3,005 |
| Equity capital to assets | 9.2497% | 4,849 |
| Core capital (leverage) ratio | 8.1657% | 5,721 |
| Tier 1 risk-based capital ratio | 9.7918% | 5,995 |
| Total risk-based capital ratio | 10.8800% | 6,014 |
| Memoranda: | ||
| Average total assets | $618,745,400 | 1,102 |
| Average earning assets | $571,415,400 | 1,090 |
| Average equity | $54,822,200 | 1,361 |
| Average total loans | $409,251,200 | 1,127 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 3,163 |
| Cost of funding earning assets | 0.6171% | 1,300 |
| Net interest margin | 3.4248% | 3,856 |
| Noninterest income to average assets | 0.3914% | 4,144 |
| Noninterest expense to average assets | 1.9217% | 5,608 |
| Loan and lease loss provision to assets | -0.2851% | 6,145 |
| Net operating income to assets | 1.9195% | 411 |
| Return on assets (ROA) | 1.9202% | 429 |
| Pretax return on assets | 1.9221% | 692 |
| Return on Equity (ROE) | 21.9108% | 192 |
| Retained earnings to average equity (ytd only) | 3.7291% | 3,821 |
| Net charge-offs to loans | -0.4912% | 6,148 |
| Credit loss provision to net charge-offs | 89.0457% | 2,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0089% | 5,514 |
| Assets per employee ($millions) | 5.9683% | 1,397 |
| Cash dividends to net income (ytd only)* | 82.9804% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 3,228 |
| Loan loss allowance to noncurrent loans | 535.5691% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.9499% | 2,480 |
| Noncurrent loans to loans | 0.2383% | 4,718 |
| Net loans and leases to total assets | 65.0450% | 3,147 |
| Net loans and leases to deposits | 74.6276% | 3,461 |
| Net loans and leases to core deposits | 86.3761% | 2,812 |
| Total domestic deposits to total assets | 87.1595% | 1,954 |
| Equity capital to assets | 8.8683% | 5,428 |
| Core capital (leverage) ratio | 8.0181% | 5,890 |
| Tier 1 risk-based capital ratio | 10.6433% | 5,826 |
| Total risk-based capital ratio | 11.7820% | 5,799 |
| Memoranda: | ||
| Average total assets | $619,718,750 | 1,106 |
| Average earning assets | $573,022,250 | 1,098 |
| Average equity | $54,309,750 | 1,385 |
| Average total loans | $403,913,750 | 1,141 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 3,254 |
| Cost of funding earning assets | 0.6142% | 1,316 |
| Net interest margin | 3.3947% | 3,926 |
| Noninterest income to average assets | 0.3826% | 4,214 |
| Noninterest expense to average assets | 1.9223% | 5,676 |
| Loan and lease loss provision to assets | -0.4697% | 6,270 |
| Net operating income to assets | 2.0709% | 321 |
| Return on assets (ROA) | 2.0719% | 334 |
| Pretax return on assets | 2.0748% | 514 |
| Return on Equity (ROE) | 23.7381% | 142 |
| Retained earnings to average equity (ytd only) | 0.5530% | 5,331 |
| Net charge-offs to loans | -0.7498% | 6,242 |
| Credit loss provision to net charge-offs | 96.4737% | 2,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5104% | 5,545 |
| Assets per employee ($millions) | 6.2355% | 1,195 |
| Cash dividends to net income (ytd only)* | 97.6704% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 3,323 |
| Loan loss allowance to noncurrent loans | 544.9842% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.9752% | 2,578 |
| Noncurrent loans to loans | 0.2359% | 4,823 |
| Net loans and leases to total assets | 64.8440% | 3,144 |
| Net loans and leases to deposits | 74.4952% | 3,435 |
| Net loans and leases to core deposits | 85.8965% | 2,781 |
| Total domestic deposits to total assets | 87.0446% | 2,143 |
| Equity capital to assets | 8.8191% | 5,413 |
| Core capital (leverage) ratio | 7.9320% | 5,961 |
| Tier 1 risk-based capital ratio | 10.3030% | 5,994 |
| Total risk-based capital ratio | 11.4334% | 5,976 |
| Memoranda: | ||
| Average total assets | $617,401,000 | 1,116 |
| Average earning assets | $571,769,670 | 1,105 |
| Average equity | $53,888,000 | 1,403 |
| Average total loans | $400,922,000 | 1,150 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8909% | 3,659 |
| Cost of funding earning assets | 0.6022% | 1,421 |
| Net interest margin | 3.2887% | 4,270 |
| Noninterest income to average assets | 0.3616% | 4,317 |
| Noninterest expense to average assets | 1.9769% | 5,625 |
| Loan and lease loss provision to assets | -0.9669% | 6,381 |
| Net operating income to assets | 2.3978% | 181 |
| Return on assets (ROA) | 2.3998% | 190 |
| Pretax return on assets | 2.4056% | 274 |
| Return on Equity (ROE) | 27.6361% | 77 |
| Retained earnings to average equity (ytd only) | -8.8557% | 6,103 |
| Net charge-offs to loans | -1.4875% | 6,343 |
| Credit loss provision to net charge-offs | 100.6711% | 1,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9116% | 5,349 |
| Assets per employee ($millions) | 6.2426% | 1,231 |
| Cash dividends to net income (ytd only)* | 132.0441% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 3,560 |
| Loan loss allowance to noncurrent loans | 165.5195% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 1.0007% | 2,628 |
| Noncurrent loans to loans | 0.7692% | 3,333 |
| Net loans and leases to total assets | 64.6178% | 3,005 |
| Net loans and leases to deposits | 74.1527% | 3,290 |
| Net loans and leases to core deposits | 82.4542% | 2,914 |
| Total domestic deposits to total assets | 87.1415% | 2,297 |
| Equity capital to assets | 8.7163% | 5,561 |
| Core capital (leverage) ratio | 7.4591% | 6,157 |
| Tier 1 risk-based capital ratio | 9.8830% | 6,196 |
| Total risk-based capital ratio | 10.9644% | 6,200 |
| Memoranda: | ||
| Average total assets | $620,561,500 | 1,120 |
| Average earning assets | $575,904,000 | 1,102 |
| Average equity | $53,886,000 | 1,411 |
| Average total loans | $400,678,000 | 1,147 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3026% | 2,598 |
| Cost of funding earning assets | 0.6582% | 1,354 |
| Net interest margin | 3.6443% | 3,239 |
| Noninterest income to average assets | 0.4101% | 4,112 |
| Noninterest expense to average assets | 2.0372% | 5,705 |
| Loan and lease loss provision to assets | 0.1405% | 1,887 |
| Net operating income to assets | 1.5706% | 755 |
| Return on assets (ROA) | 1.6166% | 719 |
| Pretax return on assets | 1.6183% | 1,185 |
| Return on Equity (ROE) | 16.8886% | 503 |
| Retained earnings to average equity (ytd only) | 1.2833% | 5,199 |
| Net charge-offs to loans | 0.0510% | 3,810 |
| Credit loss provision to net charge-offs | 401.0417% | 646 |
| Earnings coverage of net charge-offs (x) | 48.8750% | 944 |
| Efficiency ratio | 54.3247% | 5,817 |
| Assets per employee ($millions) | 6.4881% | 1,056 |
| Cash dividends to net income (ytd only)* | 92.4015% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 3,573 |
| Loan loss allowance to noncurrent loans | 167.1686% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.9748% | 2,807 |
| Noncurrent loans to loans | 0.7620% | 3,416 |
| Net loans and leases to total assets | 62.8961% | 3,380 |
| Net loans and leases to deposits | 72.1474% | 3,665 |
| Net loans and leases to core deposits | 79.7455% | 3,323 |
| Total domestic deposits to total assets | 87.1773% | 2,180 |
| Equity capital to assets | 8.6515% | 5,611 |
| Core capital (leverage) ratio | 8.3706% | 5,701 |
| Tier 1 risk-based capital ratio | 10.1901% | 6,206 |
| Total risk-based capital ratio | 11.2792% | 6,200 |
| Memoranda: | ||
| Average total assets | $547,865,600 | 1,221 |
| Average earning assets | $502,092,600 | 1,224 |
| Average equity | $52,443,800 | 1,393 |
| Average total loans | $376,354,400 | 1,174 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4257% | 2,138 |
| Cost of funding earning assets | 0.6776% | 1,271 |
| Net interest margin | 3.7481% | 2,828 |
| Noninterest income to average assets | 0.4100% | 4,164 |
| Noninterest expense to average assets | 2.0742% | 5,633 |
| Loan and lease loss provision to assets | 0.0619% | 3,119 |
| Net operating income to assets | 1.7006% | 612 |
| Return on assets (ROA) | 1.7079% | 630 |
| Pretax return on assets | 1.7079% | 1,050 |
| Return on Equity (ROE) | 17.3443% | 512 |
| Retained earnings to average equity (ytd only) | -0.6956% | 5,908 |
| Net charge-offs to loans | 0.0140% | 4,271 |
| Credit loss provision to net charge-offs | 628.2051% | 472 |
| Earnings coverage of net charge-offs (x) | 178.7904% | 354 |
| Efficiency ratio | 54.0615% | 5,817 |
| Assets per employee ($millions) | 5.9108% | 1,398 |
| Cash dividends to net income (ytd only)* | 104.0106% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 3,885 |
| Loan loss allowance to noncurrent loans | 118.5528% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.4044% | 2,200 |
| Noncurrent loans to loans | 1.0622% | 2,954 |
| Net loans and leases to total assets | 71.3764% | 1,956 |
| Net loans and leases to deposits | 84.4474% | 2,091 |
| Net loans and leases to core deposits | 96.8107% | 1,608 |
| Total domestic deposits to total assets | 84.5217% | 3,540 |
| Equity capital to assets | 10.2702% | 3,827 |
| Core capital (leverage) ratio | 9.1135% | 4,912 |
| Tier 1 risk-based capital ratio | 10.8288% | 6,079 |
| Total risk-based capital ratio | 11.9235% | 6,095 |
| Memoranda: | ||
| Average total assets | $527,495,250 | 1,279 |
| Average earning assets | $482,256,750 | 1,281 |
| Average equity | $51,942,750 | 1,413 |
| Average total loans | $370,207,500 | 1,198 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 2,462 |
| Cost of funding earning assets | 0.6815% | 1,302 |
| Net interest margin | 3.6509% | 3,142 |
| Noninterest income to average assets | 0.4080% | 4,187 |
| Noninterest expense to average assets | 2.0327% | 5,769 |
| Loan and lease loss provision to assets | 0.0283% | 3,711 |
| Net operating income to assets | 1.6809% | 597 |
| Return on assets (ROA) | 1.6919% | 614 |
| Pretax return on assets | 1.6919% | 1,033 |
| Return on Equity (ROE) | 17.4266% | 512 |
| Retained earnings to average equity (ytd only) | -5.3411% | 6,257 |
| Net charge-offs to loans | 0.0136% | 3,966 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 181.1600% | 348 |
| Efficiency ratio | 54.3217% | 5,884 |
| Assets per employee ($millions) | 5.7716% | 1,452 |
| Cash dividends to net income (ytd only)* | 130.6491% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 4,171 |
| Loan loss allowance to noncurrent loans | 151.0723% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.2494% | 2,610 |
| Noncurrent loans to loans | 0.8267% | 3,638 |
| Net loans and leases to total assets | 68.9361% | 2,250 |
| Net loans and leases to deposits | 81.1752% | 2,362 |
| Net loans and leases to core deposits | 90.3662% | 2,094 |
| Total domestic deposits to total assets | 84.9226% | 3,552 |
| Equity capital to assets | 9.9193% | 4,220 |
| Core capital (leverage) ratio | 8.8755% | 5,198 |
| Tier 1 risk-based capital ratio | 10.8775% | 6,103 |
| Total risk-based capital ratio | 11.9664% | 6,118 |
| Memoranda: | ||
| Average total assets | $529,942,330 | 1,269 |
| Average earning assets | $483,941,330 | 1,272 |
| Average equity | $51,450,000 | 1,416 |
| Average total loans | $368,276,000 | 1,202 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2609% | 2,663 |
| Cost of funding earning assets | 0.6711% | 1,433 |
| Net interest margin | 3.5897% | 3,295 |
| Noninterest income to average assets | 0.3656% | 4,463 |
| Noninterest expense to average assets | 2.0896% | 5,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5458% | 743 |
| Return on assets (ROA) | 1.5708% | 733 |
| Pretax return on assets | 1.5708% | 1,235 |
| Return on Equity (ROE) | 16.2202% | 621 |
| Retained earnings to average equity (ytd only) | -17.5790% | 6,500 |
| Net charge-offs to loans | 0.0239% | 3,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 92.8000% | 486 |
| Efficiency ratio | 57.4800% | 5,706 |
| Assets per employee ($millions) | 5.8053% | 1,451 |
| Cash dividends to net income (ytd only)* | 208.3775% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 4,355 |
| Loan loss allowance to noncurrent loans | 92.0356% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.5598% | 2,262 |
| Noncurrent loans to loans | 1.3633% | 2,750 |
| Net loans and leases to total assets | 68.3955% | 2,159 |
| Net loans and leases to deposits | 80.2179% | 2,263 |
| Net loans and leases to core deposits | 87.4479% | 2,151 |
| Total domestic deposits to total assets | 85.2620% | 3,736 |
| Equity capital to assets | 9.6091% | 4,341 |
| Core capital (leverage) ratio | 8.3379% | 5,811 |
| Tier 1 risk-based capital ratio | 10.2695% | 6,401 |
| Total risk-based capital ratio | 11.3288% | 6,422 |
| Memoranda: | ||
| Average total assets | $480,273,000 | 1,403 |
| Average earning assets | $437,471,000 | 1,410 |
| Average equity | $46,510,000 | 1,541 |
| Average total loans | $334,487,000 | 1,315 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2632% | 3,098 |
| Cost of funding earning assets | 0.7382% | 1,574 |
| Net interest margin | 3.5251% | 3,788 |
| Noninterest income to average assets | 0.3056% | 5,155 |
| Noninterest expense to average assets | 1.9255% | 6,150 |
| Loan and lease loss provision to assets | -0.0052% | 6,259 |
| Net operating income to assets | 1.5933% | 700 |
| Return on assets (ROA) | 1.5935% | 719 |
| Pretax return on assets | 1.5935% | 1,188 |
| Return on Equity (ROE) | 16.1824% | 602 |
| Retained earnings to average equity (ytd only) | 2.5452% | 4,439 |
| Net charge-offs to loans | -0.0650% | 6,391 |
| Credit loss provision to net charge-offs | 12.1951% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8020% | 6,071 |
| Assets per employee ($millions) | 5.9816% | 1,283 |
| Cash dividends to net income (ytd only)* | 84.2720% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 4,517 |
| Loan loss allowance to noncurrent loans | 93.3947% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.5403% | 2,419 |
| Noncurrent loans to loans | 1.3120% | 2,945 |
| Net loans and leases to total assets | 69.1612% | 2,148 |
| Net loans and leases to deposits | 81.6412% | 2,226 |
| Net loans and leases to core deposits | 90.7479% | 1,933 |
| Total domestic deposits to total assets | 84.7136% | 3,885 |
| Equity capital to assets | 9.7577% | 4,091 |
| Core capital (leverage) ratio | 9.0213% | 4,965 |
| Tier 1 risk-based capital ratio | 10.5052% | 6,363 |
| Total risk-based capital ratio | 11.5413% | 6,393 |
| Memoranda: | ||
| Average total assets | $478,011,600 | 1,390 |
| Average earning assets | $434,997,200 | 1,399 |
| Average equity | $47,069,600 | 1,491 |
| Average total loans | $315,225,800 | 1,345 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 3,273 |
| Cost of funding earning assets | 0.7522% | 1,591 |
| Net interest margin | 3.4778% | 3,978 |
| Noninterest income to average assets | 0.4002% | 4,543 |
| Noninterest expense to average assets | 1.8987% | 6,189 |
| Loan and lease loss provision to assets | 0.0630% | 3,784 |
| Net operating income to assets | 1.6076% | 741 |
| Return on assets (ROA) | 1.6020% | 790 |
| Pretax return on assets | 1.6020% | 1,334 |
| Return on Equity (ROE) | 16.2318% | 619 |
| Retained earnings to average equity (ytd only) | 0.5274% | 5,758 |
| Net charge-offs to loans | 0.0211% | 4,708 |
| Credit loss provision to net charge-offs | 459.1837% | 581 |
| Earnings coverage of net charge-offs (x) | 121.8195% | 430 |
| Efficiency ratio | 53.1953% | 6,170 |
| Assets per employee ($millions) | 5.8311% | 1,359 |
| Cash dividends to net income (ytd only)* | 96.7506% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,348 |
| Loan loss allowance to noncurrent loans | 88.6044% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.8204% | 2,244 |
| Noncurrent loans to loans | 1.4757% | 2,951 |
| Net loans and leases to total assets | 66.3500% | 2,577 |
| Net loans and leases to deposits | 78.2530% | 2,619 |
| Net loans and leases to core deposits | 85.6177% | 2,450 |
| Total domestic deposits to total assets | 84.7891% | 3,842 |
| Equity capital to assets | 9.7610% | 4,230 |
| Core capital (leverage) ratio | 8.8216% | 5,381 |
| Tier 1 risk-based capital ratio | 11.0197% | 6,275 |
| Total risk-based capital ratio | 12.1319% | 6,299 |
| Memoranda: | ||
| Average total assets | $476,387,000 | 1,402 |
| Average earning assets | $434,098,750 | 1,406 |
| Average equity | $47,017,750 | 1,502 |
| Average total loans | $309,219,750 | 1,371 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 3,501 |
| Cost of funding earning assets | 0.7642% | 1,624 |
| Net interest margin | 3.3960% | 4,200 |
| Noninterest income to average assets | 0.3584% | 4,824 |
| Noninterest expense to average assets | 1.9307% | 6,173 |
| Loan and lease loss provision to assets | 0.0105% | 4,661 |
| Net operating income to assets | 1.5129% | 879 |
| Return on assets (ROA) | 1.5046% | 960 |
| Pretax return on assets | 1.5046% | 1,605 |
| Return on Equity (ROE) | 15.1893% | 777 |
| Retained earnings to average equity (ytd only) | -2.5654% | 6,264 |
| Net charge-offs to loans | 0.0764% | 3,622 |
| Credit loss provision to net charge-offs | 21.3675% | 3,708 |
| Earnings coverage of net charge-offs (x) | 31.1026% | 1,119 |
| Efficiency ratio | 55.8963% | 5,976 |
| Assets per employee ($millions) | 5.9626% | 1,227 |
| Cash dividends to net income (ytd only)* | 116.8893% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 4,748 |
| Loan loss allowance to noncurrent loans | 122.5623% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 1.5694% | 2,761 |
| Noncurrent loans to loans | 1.0172% | 3,898 |
| Net loans and leases to total assets | 64.4963% | 2,841 |
| Net loans and leases to deposits | 77.3548% | 2,661 |
| Net loans and leases to core deposits | 84.2841% | 2,516 |
| Total domestic deposits to total assets | 83.3773% | 4,557 |
| Equity capital to assets | 9.6118% | 4,436 |
| Core capital (leverage) ratio | 8.6380% | 5,506 |
| Tier 1 risk-based capital ratio | 10.8874% | 6,383 |
| Total risk-based capital ratio | 11.9356% | 6,423 |
| Memoranda: | ||
| Average total assets | $477,743,330 | 1,398 |
| Average earning assets | $435,507,330 | 1,406 |
| Average equity | $47,322,670 | 1,501 |
| Average total loans | $306,448,000 | 1,378 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 3,667 |
| Cost of funding earning assets | 0.8000% | 1,523 |
| Net interest margin | 3.3139% | 4,467 |
| Noninterest income to average assets | 0.2654% | 5,560 |
| Noninterest expense to average assets | 1.9228% | 6,246 |
| Loan and lease loss provision to assets | -0.2140% | 6,899 |
| Net operating income to assets | 1.5744% | 742 |
| Return on assets (ROA) | 1.5761% | 800 |
| Pretax return on assets | 1.5761% | 1,362 |
| Return on Equity (ROE) | 15.6491% | 655 |
| Retained earnings to average equity (ytd only) | -13.7790% | 6,721 |
| Net charge-offs to loans | -0.0080% | 5,375 |
| Credit loss provision to net charge-offs | 4,166.6667% | 72 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5658% | 5,774 |
| Assets per employee ($millions) | 6.3720% | 1,039 |
| Cash dividends to net income (ytd only)* | 188.0500% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 4,728 |
| Loan loss allowance to noncurrent loans | 102.2272% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.9138% | 2,459 |
| Noncurrent loans to loans | 1.2665% | 3,661 |
| Net loans and leases to total assets | 60.1837% | 3,396 |
| Net loans and leases to deposits | 71.6934% | 3,225 |
| Net loans and leases to core deposits | 78.6077% | 2,979 |
| Total domestic deposits to total assets | 83.9460% | 4,500 |
| Equity capital to assets | 9.8965% | 4,284 |
| Core capital (leverage) ratio | 8.2579% | 5,865 |
| Tier 1 risk-based capital ratio | 11.1073% | 6,358 |
| Total risk-based capital ratio | 12.1700% | 6,412 |
| Memoranda: | ||
| Average total assets | $467,225,000 | 1,433 |
| Average earning assets | $425,483,500 | 1,451 |
| Average equity | $47,057,000 | 1,531 |
| Average total loans | $299,188,500 | 1,417 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5922% | 3,033 |
| Cost of funding earning assets | 0.9196% | 1,819 |
| Net interest margin | 3.6726% | 3,777 |
| Noninterest income to average assets | 0.1971% | 6,007 |
| Noninterest expense to average assets | 1.9551% | 6,409 |
| Loan and lease loss provision to assets | 0.1189% | 4,132 |
| Net operating income to assets | 1.4431% | 1,019 |
| Return on assets (ROA) | 1.4546% | 1,111 |
| Pretax return on assets | 1.4562% | 1,832 |
| Return on Equity (ROE) | 13.9576% | 999 |
| Retained earnings to average equity (ytd only) | 6.4777% | 1,834 |
| Net charge-offs to loans | 0.1714% | 4,005 |
| Credit loss provision to net charge-offs | 105.6225% | 2,821 |
| Earnings coverage of net charge-offs (x) | 13.8876% | 1,780 |
| Efficiency ratio | 55.5641% | 6,114 |
| Assets per employee ($millions) | 6.5180% | 995 |
| Cash dividends to net income (ytd only)* | 53.5903% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 4,909 |
| Loan loss allowance to noncurrent loans | 103.3518% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 2.1245% | 2,304 |
| Noncurrent loans to loans | 1.2038% | 3,847 |
| Net loans and leases to total assets | 66.2358% | 2,491 |
| Net loans and leases to deposits | 79.7474% | 2,320 |
| Net loans and leases to core deposits | 87.6777% | 2,125 |
| Total domestic deposits to total assets | 83.0570% | 4,698 |
| Equity capital to assets | 10.2451% | 3,834 |
| Core capital (leverage) ratio | 8.7518% | 5,255 |
| Tier 1 risk-based capital ratio | 10.8836% | 6,393 |
| Total risk-based capital ratio | 11.9491% | 6,440 |
| Memoranda: | ||
| Average total assets | $442,325,800 | 1,488 |
| Average earning assets | $400,046,200 | 1,506 |
| Average equity | $46,096,600 | 1,511 |
| Average total loans | $290,624,800 | 1,445 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 3,051 |
| Cost of funding earning assets | 0.9374% | 1,939 |
| Net interest margin | 3.7042% | 3,782 |
| Noninterest income to average assets | 0.1390% | 6,448 |
| Noninterest expense to average assets | 1.9905% | 6,365 |
| Loan and lease loss provision to assets | 0.3370% | 1,939 |
| Net operating income to assets | 1.1598% | 1,869 |
| Return on assets (ROA) | 1.1754% | 2,005 |
| Pretax return on assets | 1.1775% | 3,072 |
| Return on Equity (ROE) | 11.2276% | 1,876 |
| Retained earnings to average equity (ytd only) | 3.1812% | 4,629 |
| Net charge-offs to loans | 0.1462% | 3,940 |
| Credit loss provision to net charge-offs | 352.8846% | 764 |
| Earnings coverage of net charge-offs (x) | 15.6955% | 1,737 |
| Efficiency ratio | 57.0439% | 5,912 |
| Assets per employee ($millions) | 6.4243% | 988 |
| Cash dividends to net income (ytd only)* | 71.6667% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 3,599 |
| Loan loss allowance to noncurrent loans | 123.6522% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 2.2564% | 2,365 |
| Noncurrent loans to loans | 1.2783% | 3,909 |
| Net loans and leases to total assets | 63.8738% | 3,042 |
| Net loans and leases to deposits | 77.0001% | 2,816 |
| Net loans and leases to core deposits | 85.6639% | 2,508 |
| Total domestic deposits to total assets | 82.9528% | 4,652 |
| Equity capital to assets | 10.1955% | 4,211 |
| Core capital (leverage) ratio | 8.8112% | 5,330 |
| Tier 1 risk-based capital ratio | 11.1219% | 6,433 |
| Total risk-based capital ratio | 12.3733% | 6,403 |
| Memoranda: | ||
| Average total assets | $435,583,250 | 1,528 |
| Average earning assets | $393,991,750 | 1,539 |
| Average equity | $45,600,750 | 1,539 |
| Average total loans | $284,591,500 | 1,481 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6730% | 3,031 |
| Cost of funding earning assets | 0.9676% | 1,948 |
| Net interest margin | 3.7053% | 3,790 |
| Noninterest income to average assets | 0.1586% | 6,397 |
| Noninterest expense to average assets | 2.0754% | 6,274 |
| Loan and lease loss provision to assets | 0.3853% | 1,702 |
| Net operating income to assets | 1.0314% | 2,335 |
| Return on assets (ROA) | 1.0552% | 2,451 |
| Pretax return on assets | 1.0585% | 3,473 |
| Return on Equity (ROE) | 9.9868% | 2,356 |
| Retained earnings to average equity (ytd only) | 2.1457% | 5,116 |
| Net charge-offs to loans | 0.1695% | 3,585 |
| Credit loss provision to net charge-offs | 347.0588% | 842 |
| Earnings coverage of net charge-offs (x) | 12.7899% | 1,846 |
| Efficiency ratio | 59.3754% | 5,683 |
| Assets per employee ($millions) | 6.0986% | 1,170 |
| Cash dividends to net income (ytd only)* | 78.5146% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 3,583 |
| Loan loss allowance to noncurrent loans | 94.2130% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 3.2007% | 1,704 |
| Noncurrent loans to loans | 1.7045% | 3,339 |
| Net loans and leases to total assets | 63.3536% | 3,174 |
| Net loans and leases to deposits | 76.1786% | 2,964 |
| Net loans and leases to core deposits | 84.0683% | 2,682 |
| Total domestic deposits to total assets | 83.1646% | 4,693 |
| Equity capital to assets | 10.5421% | 3,633 |
| Core capital (leverage) ratio | 8.9059% | 5,038 |
| Tier 1 risk-based capital ratio | 11.4840% | 6,226 |
| Total risk-based capital ratio | 12.7354% | 6,203 |
| Memoranda: | ||
| Average total assets | $428,736,670 | 1,553 |
| Average earning assets | $386,094,330 | 1,570 |
| Average equity | $45,299,670 | 1,540 |
| Average total loans | $280,781,330 | 1,498 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 2,960 |
| Cost of funding earning assets | 0.9903% | 2,034 |
| Net interest margin | 3.7324% | 3,683 |
| Noninterest income to average assets | -0.0778% | 7,158 |
| Noninterest expense to average assets | 2.1950% | 6,051 |
| Loan and lease loss provision to assets | 0.4266% | 1,469 |
| Net operating income to assets | 0.6442% | 4,142 |
| Return on assets (ROA) | 0.6442% | 4,351 |
| Pretax return on assets | 0.6507% | 4,938 |
| Return on Equity (ROE) | 6.0896% | 4,244 |
| Retained earnings to average equity (ytd only) | 1.6399% | 5,417 |
| Net charge-offs to loans | 0.2016% | 2,909 |
| Credit loss provision to net charge-offs | 320.4225% | 935 |
| Earnings coverage of net charge-offs (x) | 8.0915% | 2,000 |
| Efficiency ratio | 67.0774% | 4,340 |
| Assets per employee ($millions) | 6.0580% | 1,252 |
| Cash dividends to net income (ytd only)* | 73.0713% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 3,929 |
| Loan loss allowance to noncurrent loans | 145.8015% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 2.9965% | 1,935 |
| Noncurrent loans to loans | 1.0652% | 4,574 |
| Net loans and leases to total assets | 62.8140% | 3,089 |
| Net loans and leases to deposits | 75.8427% | 2,821 |
| Net loans and leases to core deposits | 83.9761% | 2,550 |
| Total domestic deposits to total assets | 82.8215% | 5,001 |
| Equity capital to assets | 10.6405% | 3,335 |
| Core capital (leverage) ratio | 8.8139% | 5,115 |
| Tier 1 risk-based capital ratio | 11.5721% | 6,241 |
| Total risk-based capital ratio | 12.8227% | 6,217 |
| Memoranda: | ||
| Average total assets | $426,606,000 | 1,561 |
| Average earning assets | $382,922,000 | 1,582 |
| Average equity | $45,126,000 | 1,538 |
| Average total loans | $281,773,500 | 1,504 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 3,008 |
| Cost of funding earning assets | 1.1780% | 2,178 |
| Net interest margin | 3.7947% | 3,846 |
| Noninterest income to average assets | -0.3135% | 7,208 |
| Noninterest expense to average assets | 1.9201% | 6,803 |
| Loan and lease loss provision to assets | 0.5244% | 2,000 |
| Net operating income to assets | 0.6128% | 3,930 |
| Return on assets (ROA) | 0.6403% | 3,980 |
| Pretax return on assets | 0.6419% | 4,549 |
| Return on Equity (ROE) | 6.2512% | 3,752 |
| Retained earnings to average equity (ytd only) | 2.1399% | 4,692 |
| Net charge-offs to loans | 0.9487% | 1,832 |
| Credit loss provision to net charge-offs | 81.6642% | 4,380 |
| Earnings coverage of net charge-offs (x) | 1.7736% | 4,450 |
| Efficiency ratio | 62.7686% | 5,336 |
| Assets per employee ($millions) | 6.2196% | 1,090 |
| Cash dividends to net income (ytd only)* | 65.7681% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 4,770 |
| Loan loss allowance to noncurrent loans | 142.9254% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 3.2578% | 1,831 |
| Noncurrent loans to loans | 0.9287% | 4,839 |
| Net loans and leases to total assets | 67.3623% | 2,511 |
| Net loans and leases to deposits | 80.1764% | 2,492 |
| Net loans and leases to core deposits | 88.3451% | 2,342 |
| Total domestic deposits to total assets | 84.0176% | 4,308 |
| Equity capital to assets | 10.5160% | 3,522 |
| Core capital (leverage) ratio | 8.8212% | 5,068 |
| Tier 1 risk-based capital ratio | 10.7085% | 6,598 |
| Total risk-based capital ratio | 11.8337% | 6,626 |
| Memoranda: | ||
| Average total assets | $422,945,000 | 1,541 |
| Average earning assets | $375,897,400 | 1,582 |
| Average equity | $43,319,600 | 1,559 |
| Average total loans | $286,300,400 | 1,491 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 3,157 |
| Cost of funding earning assets | 1.2499% | 1,998 |
| Net interest margin | 3.7360% | 4,185 |
| Noninterest income to average assets | -0.7986% | 7,392 |
| Noninterest expense to average assets | 1.8116% | 6,984 |
| Loan and lease loss provision to assets | 0.4377% | 2,289 |
| Net operating income to assets | 0.2575% | 5,544 |
| Return on assets (ROA) | 0.2808% | 5,629 |
| Pretax return on assets | 0.2808% | 5,745 |
| Return on Equity (ROE) | 2.7391% | 5,526 |
| Retained earnings to average equity (ytd only) | -2.3943% | 6,349 |
| Net charge-offs to loans | 0.5792% | 2,514 |
| Credit loss provision to net charge-offs | 109.9512% | 3,007 |
| Earnings coverage of net charge-offs (x) | 1.7463% | 4,344 |
| Efficiency ratio | 72.2653% | 3,502 |
| Assets per employee ($millions) | 6.5301% | 936 |
| Cash dividends to net income (ytd only)* | 187.4126% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 4,398 |
| Loan loss allowance to noncurrent loans | 85.9558% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 3.8608% | 1,600 |
| Noncurrent loans to loans | 1.6680% | 3,800 |
| Net loans and leases to total assets | 68.6897% | 2,335 |
| Net loans and leases to deposits | 81.4882% | 2,452 |
| Net loans and leases to core deposits | 92.9182% | 1,893 |
| Total domestic deposits to total assets | 84.2940% | 4,102 |
| Equity capital to assets | 10.4075% | 3,822 |
| Core capital (leverage) ratio | 8.3740% | 5,890 |
| Tier 1 risk-based capital ratio | 10.1462% | 6,910 |
| Total risk-based capital ratio | 11.3800% | 6,909 |
| Memoranda: | ||
| Average total assets | $343,269,000 | 1,894 |
| Average earning assets | $303,706,750 | 1,945 |
| Average equity | $35,193,500 | 1,918 |
| Average total loans | $235,970,750 | 1,791 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9785% | 3,259 |
| Cost of funding earning assets | 1.2821% | 2,054 |
| Net interest margin | 3.6963% | 4,279 |
| Noninterest income to average assets | -0.5901% | 7,437 |
| Noninterest expense to average assets | 1.8964% | 6,953 |
| Loan and lease loss provision to assets | 0.5539% | 1,750 |
| Net operating income to assets | 0.2103% | 5,707 |
| Return on assets (ROA) | 0.2267% | 5,759 |
| Pretax return on assets | 0.2267% | 5,865 |
| Return on Equity (ROE) | 2.2223% | 5,711 |
| Retained earnings to average equity (ytd only) | -4.6509% | 6,537 |
| Net charge-offs to loans | 0.7198% | 2,073 |
| Credit loss provision to net charge-offs | 112.4555% | 2,729 |
| Earnings coverage of net charge-offs (x) | 1.5516% | 4,126 |
| Efficiency ratio | 71.2780% | 3,884 |
| Assets per employee ($millions) | 6.6156% | 872 |
| Cash dividends to net income (ytd only)* | 309.2784% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 4,350 |
| Loan loss allowance to noncurrent loans | 72.7464% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 4.4612% | 1,411 |
| Noncurrent loans to loans | 1.9921% | 3,494 |
| Net loans and leases to total assets | 68.4389% | 2,526 |
| Net loans and leases to deposits | 82.3289% | 2,400 |
| Net loans and leases to core deposits | 94.0082% | 1,892 |
| Total domestic deposits to total assets | 83.1286% | 4,704 |
| Equity capital to assets | 10.3413% | 3,696 |
| Core capital (leverage) ratio | 8.5826% | 5,428 |
| Tier 1 risk-based capital ratio | 10.1538% | 6,937 |
| Total risk-based capital ratio | 11.3978% | 6,922 |
| Memoranda: | ||
| Average total assets | $342,326,330 | 1,908 |
| Average earning assets | $301,057,330 | 1,970 |
| Average equity | $34,918,000 | 1,914 |
| Average total loans | $234,230,670 | 1,823 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9205% | 3,481 |
| Cost of funding earning assets | 1.3418% | 1,934 |
| Net interest margin | 3.5786% | 4,664 |
| Noninterest income to average assets | -1.6622% | 7,551 |
| Noninterest expense to average assets | 1.7746% | 7,167 |
| Loan and lease loss provision to assets | 0.6923% | 1,219 |
| Net operating income to assets | -0.9957% | 7,046 |
| Return on assets (ROA) | -0.9957% | 7,048 |
| Pretax return on assets | -0.9957% | 6,998 |
| Return on Equity (ROE) | -9.8296% | 7,026 |
| Retained earnings to average equity (ytd only) | -23.7066% | 7,218 |
| Net charge-offs to loans | 0.0397% | 4,558 |
| Credit loss provision to net charge-offs | 2,569.5652% | 152 |
| Earnings coverage of net charge-offs (x) | -11.2609% | 5,061 |
| Efficiency ratio | 120.6210% | 337 |
| Assets per employee ($millions) | 6.4266% | 957 |
| Cash dividends to net income (ytd only)* | -141.1765% | 7,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 3,305 |
| Loan loss allowance to noncurrent loans | 140.8618% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 4.0232% | 1,660 |
| Noncurrent loans to loans | 1.2141% | 4,657 |
| Net loans and leases to total assets | 67.4702% | 2,664 |
| Net loans and leases to deposits | 79.7424% | 2,756 |
| Net loans and leases to core deposits | 90.7475% | 2,271 |
| Total domestic deposits to total assets | 84.6102% | 4,220 |
| Equity capital to assets | 10.0729% | 3,680 |
| Core capital (leverage) ratio | 8.0671% | 6,165 |
| Tier 1 risk-based capital ratio | 9.8977% | 7,039 |
| Total risk-based capital ratio | 11.1501% | 7,042 |
| Memoranda: | ||
| Average total assets | $341,485,000 | 1,928 |
| Average earning assets | $298,996,000 | 1,997 |
| Average equity | $34,589,500 | 1,917 |
| Average total loans | $231,897,000 | 1,852 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9786% | 4,656 |
| Cost of funding earning assets | 1.6327% | 1,903 |
| Net interest margin | 3.3459% | 5,808 |
| Noninterest income to average assets | 0.4009% | 4,904 |
| Noninterest expense to average assets | 1.8539% | 7,216 |
| Loan and lease loss provision to assets | 1.0222% | 1,584 |
| Net operating income to assets | 0.4410% | 4,356 |
| Return on assets (ROA) | 0.5021% | 4,249 |
| Pretax return on assets | 0.5036% | 4,611 |
| Return on Equity (ROE) | 4.9895% | 4,071 |
| Retained earnings to average equity (ytd only) | 0.6668% | 5,239 |
| Net charge-offs to loans | 1.4777% | 1,490 |
| Credit loss provision to net charge-offs | 106.5185% | 4,191 |
| Earnings coverage of net charge-offs (x) | 1.5262% | 4,603 |
| Efficiency ratio | 55.8650% | 6,612 |
| Assets per employee ($millions) | 6.8390% | 804 |
| Cash dividends to net income (ytd only)* | 86.6365% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 4,368 |
| Loan loss allowance to noncurrent loans | 174.4283% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 5.2860% | 1,180 |
| Noncurrent loans to loans | 0.8208% | 5,410 |
| Net loans and leases to total assets | 66.2413% | 3,416 |
| Net loans and leases to deposits | 78.2794% | 3,466 |
| Net loans and leases to core deposits | 88.8780% | 2,921 |
| Total domestic deposits to total assets | 84.6216% | 4,049 |
| Equity capital to assets | 10.1830% | 3,519 |
| Core capital (leverage) ratio | 8.6411% | 5,121 |
| Tier 1 risk-based capital ratio | 10.1303% | 6,916 |
| Total risk-based capital ratio | 11.2998% | 6,950 |
| Memoranda: | ||
| Average total assets | $351,698,600 | 1,862 |
| Average earning assets | $306,674,800 | 1,943 |
| Average equity | $35,394,400 | 1,872 |
| Average total loans | $228,399,000 | 1,909 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 5,008 |
| Cost of funding earning assets | 1.6904% | 1,924 |
| Net interest margin | 3.2665% | 6,120 |
| Noninterest income to average assets | 0.3628% | 5,255 |
| Noninterest expense to average assets | 1.7811% | 7,349 |
| Loan and lease loss provision to assets | 1.0158% | 1,455 |
| Net operating income to assets | 0.4188% | 4,665 |
| Return on assets (ROA) | 0.5001% | 4,506 |
| Pretax return on assets | 0.5020% | 4,916 |
| Return on Equity (ROE) | 4.9843% | 4,299 |
| Retained earnings to average equity (ytd only) | 0.2337% | 5,686 |
| Net charge-offs to loans | 1.7852% | 1,089 |
| Credit loss provision to net charge-offs | 88.3805% | 4,832 |
| Earnings coverage of net charge-offs (x) | 1.2498% | 4,817 |
| Efficiency ratio | 55.3557% | 6,639 |
| Assets per employee ($millions) | 6.5414% | 942 |
| Cash dividends to net income (ytd only)* | 95.3104% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 5,262 |
| Loan loss allowance to noncurrent loans | 143.8987% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 5.7878% | 1,049 |
| Noncurrent loans to loans | 0.8651% | 5,494 |
| Net loans and leases to total assets | 66.1800% | 3,646 |
| Net loans and leases to deposits | 80.0044% | 3,450 |
| Net loans and leases to core deposits | 92.8452% | 2,677 |
| Total domestic deposits to total assets | 82.7204% | 4,708 |
| Equity capital to assets | 10.8581% | 3,103 |
| Core capital (leverage) ratio | 8.6187% | 5,317 |
| Tier 1 risk-based capital ratio | 10.7430% | 6,600 |
| Total risk-based capital ratio | 11.7777% | 6,746 |
| Memoranda: | ||
| Average total assets | $352,426,500 | 1,882 |
| Average earning assets | $308,004,500 | 1,963 |
| Average equity | $35,363,750 | 1,891 |
| Average total loans | $226,899,500 | 1,944 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8449% | 5,624 |
| Cost of funding earning assets | 1.7207% | 2,010 |
| Net interest margin | 3.1242% | 6,538 |
| Noninterest income to average assets | 0.3758% | 5,119 |
| Noninterest expense to average assets | 1.8277% | 7,358 |
| Loan and lease loss provision to assets | 1.0650% | 1,358 |
| Net operating income to assets | 0.2161% | 5,507 |
| Return on assets (ROA) | 0.2504% | 5,514 |
| Pretax return on assets | 0.2531% | 5,645 |
| Return on Equity (ROE) | 2.5601% | 5,429 |
| Retained earnings to average equity (ytd only) | -4.6241% | 6,506 |
| Net charge-offs to loans | 1.6289% | 1,166 |
| Credit loss provision to net charge-offs | 102.8541% | 3,964 |
| Earnings coverage of net charge-offs (x) | 1.2396% | 4,578 |
| Efficiency ratio | 58.7455% | 6,266 |
| Assets per employee ($millions) | 6.5058% | 950 |
| Cash dividends to net income (ytd only)* | 280.6236% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 4,145 |
| Loan loss allowance to noncurrent loans | 87.8029% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 6.1388% | 940 |
| Noncurrent loans to loans | 1.6591% | 4,212 |
| Net loans and leases to total assets | 62.5639% | 4,569 |
| Net loans and leases to deposits | 75.0788% | 4,504 |
| Net loans and leases to core deposits | 85.6745% | 3,880 |
| Total domestic deposits to total assets | 83.3309% | 4,428 |
| Equity capital to assets | 10.1588% | 3,825 |
| Core capital (leverage) ratio | 8.1691% | 6,001 |
| Tier 1 risk-based capital ratio | 10.4779% | 6,704 |
| Total risk-based capital ratio | 11.6703% | 6,731 |
| Memoranda: | ||
| Average total assets | $358,697,670 | 1,864 |
| Average earning assets | $314,064,670 | 1,939 |
| Average equity | $35,077,000 | 1,904 |
| Average total loans | $228,010,000 | 1,954 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7658% | 6,014 |
| Cost of funding earning assets | 1.7387% | 2,191 |
| Net interest margin | 3.0272% | 6,772 |
| Noninterest income to average assets | 0.4059% | 4,870 |
| Noninterest expense to average assets | 1.6289% | 7,633 |
| Loan and lease loss provision to assets | 0.8314% | 1,522 |
| Net operating income to assets | 0.6159% | 3,830 |
| Return on assets (ROA) | 0.6837% | 3,624 |
| Pretax return on assets | 0.6837% | 4,296 |
| Return on Equity (ROE) | 7.1222% | 3,281 |
| Retained earnings to average equity (ytd only) | -4.2733% | 6,531 |
| Net charge-offs to loans | 1.1214% | 1,504 |
| Credit loss provision to net charge-offs | 116.5644% | 2,993 |
| Earnings coverage of net charge-offs (x) | 2.0291% | 3,525 |
| Efficiency ratio | 52.9516% | 7,058 |
| Assets per employee ($millions) | 6.8473% | 851 |
| Cash dividends to net income (ytd only)* | 160.0000% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 4,277 |
| Loan loss allowance to noncurrent loans | 60.0518% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 4.9443% | 1,315 |
| Noncurrent loans to loans | 2.3783% | 3,300 |
| Net loans and leases to total assets | 64.1141% | 4,301 |
| Net loans and leases to deposits | 76.5975% | 4,302 |
| Net loans and leases to core deposits | 87.5375% | 3,675 |
| Total domestic deposits to total assets | 83.7026% | 4,300 |
| Equity capital to assets | 10.0109% | 3,858 |
| Core capital (leverage) ratio | 7.9398% | 6,325 |
| Tier 1 risk-based capital ratio | 10.5036% | 6,630 |
| Total risk-based capital ratio | 11.7009% | 6,673 |
| Memoranda: | ||
| Average total assets | $365,643,500 | 1,873 |
| Average earning assets | $322,545,000 | 1,931 |
| Average equity | $35,101,500 | 1,920 |
| Average total loans | $232,558,500 | 1,978 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1917% | 5,685 |
| Cost of funding earning assets | 2.0200% | 2,870 |
| Net interest margin | 3.1717% | 6,179 |
| Noninterest income to average assets | 0.3797% | 5,378 |
| Noninterest expense to average assets | 1.7669% | 7,642 |
| Loan and lease loss provision to assets | 1.3076% | 1,762 |
| Net operating income to assets | 0.1179% | 5,156 |
| Return on assets (ROA) | 0.2927% | 4,646 |
| Pretax return on assets | 0.2933% | 4,776 |
| Return on Equity (ROE) | 2.7900% | 4,592 |
| Retained earnings to average equity (ytd only) | -7.3991% | 6,280 |
| Net charge-offs to loans | 1.8893% | 1,313 |
| Credit loss provision to net charge-offs | 102.6505% | 5,379 |
| Earnings coverage of net charge-offs (x) | 1.1195% | 4,994 |
| Efficiency ratio | 55.3365% | 7,091 |
| Assets per employee ($millions) | 7.3476% | 688 |
| Cash dividends to net income (ytd only)* | 365.2004% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 4,661 |
| Loan loss allowance to noncurrent loans | 47.8413% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 4.7134% | 1,344 |
| Noncurrent loans to loans | 2.7544% | 2,806 |
| Net loans and leases to total assets | 61.4651% | 5,115 |
| Net loans and leases to deposits | 72.3771% | 5,276 |
| Net loans and leases to core deposits | 91.6107% | 4,937 |
| Total domestic deposits to total assets | 84.9235% | 3,591 |
| Equity capital to assets | 9.2243% | 4,812 |
| Core capital (leverage) ratio | 8.2451% | 5,735 |
| Tier 1 risk-based capital ratio | 10.2119% | 6,668 |
| Total risk-based capital ratio | 11.3226% | 6,779 |
| Memoranda: | ||
| Average total assets | $349,485,000 | 1,948 |
| Average earning assets | $309,995,600 | 2,005 |
| Average equity | $36,666,400 | 1,836 |
| Average total loans | $235,648,800 | 1,993 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2932% | 5,459 |
| Cost of funding earning assets | 2.1055% | 2,866 |
| Net interest margin | 3.1877% | 6,070 |
| Noninterest income to average assets | 0.3754% | 5,507 |
| Noninterest expense to average assets | 1.7394% | 7,720 |
| Loan and lease loss provision to assets | 0.7343% | 2,544 |
| Net operating income to assets | 0.7402% | 3,060 |
| Return on assets (ROA) | 0.7402% | 3,122 |
| Pretax return on assets | 0.7402% | 3,730 |
| Return on Equity (ROE) | 6.8246% | 3,151 |
| Retained earnings to average equity (ytd only) | -6.6301% | 6,466 |
| Net charge-offs to loans | 1.0584% | 1,876 |
| Credit loss provision to net charge-offs | 100.7503% | 5,042 |
| Earnings coverage of net charge-offs (x) | 2.0230% | 4,303 |
| Efficiency ratio | 54.1201% | 7,221 |
| Assets per employee ($millions) | 6.2767% | 1,087 |
| Cash dividends to net income (ytd only)* | 197.1507% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 4,652 |
| Loan loss allowance to noncurrent loans | 23.2415% | 6,893 |
| Noncurrent assets plus other real estate owned to assets | 6.0573% | 883 |
| Noncurrent loans to loans | 5.4855% | 1,139 |
| Net loans and leases to total assets | 69.2247% | 3,665 |
| Net loans and leases to deposits | 84.0274% | 3,634 |
| Net loans and leases to core deposits | 108.9593% | 3,347 |
| Total domestic deposits to total assets | 82.3835% | 4,507 |
| Equity capital to assets | 10.9685% | 3,042 |
| Core capital (leverage) ratio | 8.8071% | 4,963 |
| Tier 1 risk-based capital ratio | 10.9281% | 6,013 |
| Total risk-based capital ratio | 12.0428% | 6,136 |
| Memoranda: | ||
| Average total assets | $341,337,000 | 2,011 |
| Average earning assets | $303,952,750 | 2,068 |
| Average equity | $37,022,000 | 1,837 |
| Average total loans | $235,066,000 | 2,018 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3132% | 5,597 |
| Cost of funding earning assets | 2.1707% | 2,931 |
| Net interest margin | 3.1426% | 6,115 |
| Noninterest income to average assets | 0.4086% | 5,208 |
| Noninterest expense to average assets | 1.7630% | 7,783 |
| Loan and lease loss provision to assets | 0.3244% | 3,998 |
| Net operating income to assets | 1.1072% | 1,747 |
| Return on assets (ROA) | 1.1072% | 1,826 |
| Pretax return on assets | 1.1072% | 2,613 |
| Return on Equity (ROE) | 10.2461% | 1,932 |
| Retained earnings to average equity (ytd only) | -8.0713% | 6,674 |
| Net charge-offs to loans | 0.3279% | 3,542 |
| Credit loss provision to net charge-offs | 144.5313% | 3,208 |
| Earnings coverage of net charge-offs (x) | 6.3776% | 2,633 |
| Efficiency ratio | 55.1876% | 7,207 |
| Assets per employee ($millions) | 6.3751% | 1,016 |
| Cash dividends to net income (ytd only)* | 178.7751% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 4,087 |
| Loan loss allowance to noncurrent loans | 31.2543% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 5.2626% | 968 |
| Noncurrent loans to loans | 4.2633% | 1,545 |
| Net loans and leases to total assets | 68.5520% | 4,061 |
| Net loans and leases to deposits | 84.1052% | 3,860 |
| Net loans and leases to core deposits | 105.4302% | 3,909 |
| Total domestic deposits to total assets | 81.5074% | 4,894 |
| Equity capital to assets | 10.6423% | 3,261 |
| Core capital (leverage) ratio | 8.8184% | 4,917 |
| Tier 1 risk-based capital ratio | 10.9606% | 5,918 |
| Total risk-based capital ratio | 12.1228% | 5,947 |
| Memoranda: | ||
| Average total assets | $342,134,670 | 2,025 |
| Average earning assets | $303,318,330 | 2,093 |
| Average equity | $36,970,330 | 1,849 |
| Average total loans | $234,200,330 | 2,052 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3777% | 5,538 |
| Cost of funding earning assets | 2.2604% | 2,884 |
| Net interest margin | 3.1173% | 6,150 |
| Noninterest income to average assets | 0.4785% | 4,521 |
| Noninterest expense to average assets | 1.5879% | 7,918 |
| Loan and lease loss provision to assets | 0.4339% | 2,758 |
| Net operating income to assets | 1.1915% | 1,678 |
| Return on assets (ROA) | 1.1915% | 1,789 |
| Pretax return on assets | 1.1915% | 2,657 |
| Return on Equity (ROE) | 10.9433% | 1,981 |
| Retained earnings to average equity (ytd only) | -21.3695% | 7,686 |
| Net charge-offs to loans | 0.5162% | 2,170 |
| Credit loss provision to net charge-offs | 123.7458% | 3,205 |
| Earnings coverage of net charge-offs (x) | 4.6355% | 2,841 |
| Efficiency ratio | 49.4161% | 7,630 |
| Assets per employee ($millions) | 6.6623% | 892 |
| Cash dividends to net income (ytd only)* | 295.2756% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 3,540 |
| Loan loss allowance to noncurrent loans | 43.3058% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 4.6837% | 1,003 |
| Noncurrent loans to loans | 3.2154% | 2,012 |
| Net loans and leases to total assets | 65.6677% | 4,656 |
| Net loans and leases to deposits | 79.3549% | 4,714 |
| Net loans and leases to core deposits | 106.0344% | 3,907 |
| Total domestic deposits to total assets | 82.7519% | 4,269 |
| Equity capital to assets | 10.8872% | 3,086 |
| Core capital (leverage) ratio | 8.9550% | 4,786 |
| Tier 1 risk-based capital ratio | 11.2424% | 5,653 |
| Total risk-based capital ratio | 12.4172% | 5,654 |
| Memoranda: | ||
| Average total assets | $341,073,500 | 2,035 |
| Average earning assets | $299,237,000 | 2,131 |
| Average equity | $37,137,000 | 1,842 |
| Average total loans | $231,709,500 | 2,085 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1446% | 4,801 |
| Cost of funding earning assets | 2.5967% | 3,706 |
| Net interest margin | 3.5479% | 5,109 |
| Noninterest income to average assets | 0.4364% | 5,156 |
| Noninterest expense to average assets | 1.7676% | 7,786 |
| Loan and lease loss provision to assets | 0.2511% | 4,408 |
| Net operating income to assets | 1.5832% | 857 |
| Return on assets (ROA) | 1.5832% | 823 |
| Pretax return on assets | 1.5832% | 1,440 |
| Return on Equity (ROE) | 14.6411% | 987 |
| Retained earnings to average equity (ytd only) | 2.6493% | 3,532 |
| Net charge-offs to loans | 0.1303% | 4,931 |
| Credit loss provision to net charge-offs | 278.5479% | 1,640 |
| Earnings coverage of net charge-offs (x) | 20.3498% | 1,577 |
| Efficiency ratio | 49.0750% | 7,727 |
| Assets per employee ($millions) | 7.1231% | 669 |
| Cash dividends to net income (ytd only)* | 81.9053% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 4,159 |
| Loan loss allowance to noncurrent loans | 80.0478% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 3.6954% | 1,175 |
| Noncurrent loans to loans | 1.5601% | 3,452 |
| Net loans and leases to total assets | 68.3502% | 4,400 |
| Net loans and leases to deposits | 82.5056% | 4,648 |
| Net loans and leases to core deposits | 108.0678% | 3,963 |
| Total domestic deposits to total assets | 82.8431% | 3,830 |
| Equity capital to assets | 10.8893% | 3,126 |
| Core capital (leverage) ratio | 9.4504% | 4,089 |
| Tier 1 risk-based capital ratio | 11.2583% | 5,482 |
| Total risk-based capital ratio | 12.3350% | 5,536 |
| Memoranda: | ||
| Average total assets | $336,161,400 | 1,984 |
| Average earning assets | $299,921,800 | 2,040 |
| Average equity | $36,349,800 | 1,856 |
| Average total loans | $232,612,200 | 2,032 |