Home > Citizens Bank > Performance and Condition Ratios
Citizens 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 | 4.5948% | 2,902 |
| Cost of funding earning assets | 1.0835% | 3,108 |
| Net interest margin | 3.5113% | 2,155 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.1569% | 3,234 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.2159% | 1,616 |
| Return on assets (ROA) | 1.2088% | 1,599 |
| Pretax return on assets | 1.5941% | 1,243 |
| Return on Equity (ROE) | 10.5200% | 2,356 |
| Retained earnings to average equity (ytd only) | 7.2547% | 1,806 |
| Net charge-offs to loans | 0.0920% | 965 |
| Credit loss provision to net charge-offs | 191.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 27.0723% | 1,695 |
| Efficiency ratio | 55.9338% | 3,503 |
| Assets per employee ($millions) | 6.7901% | 2,214 |
| Cash dividends to net income (ytd only)* | 31.0255% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,099 |
| Loan loss allowance to noncurrent loans | 396.3558% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 1,723 |
| Noncurrent loans to loans | 0.2631% | 2,242 |
| Net loans and leases to total assets | 66.2500% | 2,234 |
| Net loans and leases to deposits | 77.7579% | 2,290 |
| Net loans and leases to core deposits | 81.6327% | 2,611 |
| Total domestic deposits to total assets | 85.2000% | 2,250 |
| Equity capital to assets | 11.6642% | 1,234 |
| Core capital (leverage) ratio | 13.7395% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,013,255,200 | 977 |
| Average earning assets | $965,216,800 | 940 |
| Average equity | $116,448,000 | 849 |
| Average total loans | $691,224,600 | 975 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 2,906 |
| Cost of funding earning assets | 1.0031% | 3,030 |
| Net interest margin | 3.5006% | 2,208 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.1852% | 3,119 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.2281% | 1,707 |
| Return on assets (ROA) | 1.2333% | 1,692 |
| Pretax return on assets | 1.5862% | 1,390 |
| Return on Equity (ROE) | 10.7700% | 2,433 |
| Retained earnings to average equity (ytd only) | 8.5878% | 1,798 |
| Net charge-offs to loans | 0.0167% | 1,803 |
| Credit loss provision to net charge-offs | 784.8837% | 473 |
| Earnings coverage of net charge-offs (x) | 145.8605% | 746 |
| Efficiency ratio | 56.6881% | 3,339 |
| Assets per employee ($millions) | 6.2250% | 2,544 |
| Cash dividends to net income (ytd only)* | 20.2892% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,015 |
| Loan loss allowance to noncurrent loans | 188.4194% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 1,464 |
| Noncurrent loans to loans | 0.5686% | 1,411 |
| Net loans and leases to total assets | 68.6300% | 1,982 |
| Net loans and leases to deposits | 78.3516% | 2,214 |
| Net loans and leases to core deposits | 81.4567% | 2,506 |
| Total domestic deposits to total assets | 87.5900% | 1,707 |
| Equity capital to assets | 11.6339% | 1,143 |
| Core capital (leverage) ratio | 13.6397% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,001,755,500 | 985 |
| Average earning assets | $954,204,750 | 946 |
| Average equity | $114,671,750 | 851 |
| Average total loans | $686,742,750 | 977 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 2,766 |
| Cost of funding earning assets | 0.9072% | 2,901 |
| Net interest margin | 3.5445% | 2,162 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.2013% | 3,076 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.2048% | 1,823 |
| Return on assets (ROA) | 1.2125% | 1,783 |
| Pretax return on assets | 1.6069% | 1,402 |
| Return on Equity (ROE) | 10.6500% | 2,518 |
| Retained earnings to average equity (ytd only) | 7.3597% | 2,170 |
| Net charge-offs to loans | 0.0219% | 1,446 |
| Credit loss provision to net charge-offs | 600.0000% | 572 |
| Earnings coverage of net charge-offs (x) | 112.8667% | 878 |
| Efficiency ratio | 56.6164% | 3,344 |
| Assets per employee ($millions) | 6.2812% | 2,483 |
| Cash dividends to net income (ytd only)* | 30.8956% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 3,209 |
| Loan loss allowance to noncurrent loans | 600.5013% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 2,695 |
| Noncurrent loans to loans | 0.1745% | 2,608 |
| Net loans and leases to total assets | 68.4000% | 1,925 |
| Net loans and leases to deposits | 78.1833% | 2,114 |
| Net loans and leases to core deposits | 80.6167% | 2,428 |
| Total domestic deposits to total assets | 87.4800% | 1,784 |
| Equity capital to assets | 11.7012% | 1,135 |
| Core capital (leverage) ratio | 13.3367% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,003,673,667 | 972 |
| Average earning assets | $956,400,000 | 932 |
| Average equity | $114,271,000 | 847 |
| Average total loans | $685,340,667 | 965 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 2,654 |
| Cost of funding earning assets | 0.8033% | 2,722 |
| Net interest margin | 3.5552% | 2,232 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.2203% | 3,042 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.2183% | 1,888 |
| Return on assets (ROA) | 1.2337% | 1,812 |
| Pretax return on assets | 1.5997% | 1,461 |
| Return on Equity (ROE) | 10.9800% | 2,497 |
| Retained earnings to average equity (ytd only) | 10.9790% | 1,471 |
| Net charge-offs to loans | 0.0251% | 1,186 |
| Credit loss provision to net charge-offs | 523.2558% | 533 |
| Earnings coverage of net charge-offs (x) | 97.9070% | 798 |
| Efficiency ratio | 57.0802% | 3,294 |
| Assets per employee ($millions) | 6.1419% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 2,655 |
| Loan loss allowance to noncurrent loans | 612.2388% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 2,585 |
| Noncurrent loans to loans | 0.1929% | 2,508 |
| Net loans and leases to total assets | 68.1400% | 1,822 |
| Net loans and leases to deposits | 77.6513% | 1,989 |
| Net loans and leases to core deposits | 79.4292% | 2,293 |
| Total domestic deposits to total assets | 87.7500% | 2,006 |
| Equity capital to assets | 11.5196% | 1,149 |
| Core capital (leverage) ratio | 13.1545% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,008,692,500 | 979 |
| Average earning assets | $961,516,000 | 944 |
| Average equity | $113,343,500 | 862 |
| Average total loans | $685,014,500 | 975 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5567% | 2,923 |
| Cost of funding earning assets | 0.2359% | 3,453 |
| Net interest margin | 3.3208% | 2,515 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.0270% | 3,512 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2604% | 1,565 |
| Return on assets (ROA) | 1.2609% | 1,512 |
| Pretax return on assets | 1.6620% | 1,012 |
| Return on Equity (ROE) | 11.4100% | 2,339 |
| Retained earnings to average equity (ytd only) | 8.2126% | 1,750 |
| Net charge-offs to loans | 0.0087% | 2,065 |
| Credit loss provision to net charge-offs | 267.8571% | 969 |
| Earnings coverage of net charge-offs (x) | 305.1250% | 481 |
| Efficiency ratio | 54.7388% | 3,717 |
| Assets per employee ($millions) | 6.1970% | 2,595 |
| Cash dividends to net income (ytd only)* | 28.0047% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 2,452 |
| Loan loss allowance to noncurrent loans | 560.1955% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 2,548 |
| Noncurrent loans to loans | 0.2120% | 2,429 |
| Net loans and leases to total assets | 66.0800% | 2,034 |
| Net loans and leases to deposits | 75.5848% | 2,129 |
| Net loans and leases to core deposits | 76.9059% | 2,357 |
| Total domestic deposits to total assets | 87.4200% | 2,260 |
| Equity capital to assets | 10.9545% | 1,276 |
| Core capital (leverage) ratio | 12.7631% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,019,495,400 | 964 |
| Average earning assets | $975,007,200 | 924 |
| Average equity | $112,692,200 | 865 |
| Average total loans | $643,789,600 | 977 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4015% | 2,919 |
| Cost of funding earning assets | 0.1708% | 3,617 |
| Net interest margin | 3.2307% | 2,528 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.0106% | 3,455 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2291% | 1,591 |
| Return on assets (ROA) | 1.2298% | 1,565 |
| Pretax return on assets | 1.6153% | 1,083 |
| Return on Equity (ROE) | 11.1000% | 2,336 |
| Retained earnings to average equity (ytd only) | 9.0279% | 1,641 |
| Net charge-offs to loans | 0.0109% | 1,707 |
| Credit loss provision to net charge-offs | 144.2308% | 1,141 |
| Earnings coverage of net charge-offs (x) | 239.3846% | 557 |
| Efficiency ratio | 55.3146% | 3,686 |
| Assets per employee ($millions) | 6.2646% | 2,522 |
| Cash dividends to net income (ytd only)* | 18.6737% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 2,462 |
| Loan loss allowance to noncurrent loans | 523.4365% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 2,561 |
| Noncurrent loans to loans | 0.2317% | 2,462 |
| Net loans and leases to total assets | 64.2200% | 2,064 |
| Net loans and leases to deposits | 72.3340% | 2,178 |
| Net loans and leases to core deposits | 73.4463% | 2,390 |
| Total domestic deposits to total assets | 88.7800% | 2,172 |
| Equity capital to assets | 10.6478% | 1,312 |
| Core capital (leverage) ratio | 12.4550% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,021,841,750 | 965 |
| Average earning assets | $978,106,000 | 928 |
| Average equity | $113,202,000 | 877 |
| Average total loans | $635,862,750 | 980 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2852% | 2,786 |
| Cost of funding earning assets | 0.1357% | 3,768 |
| Net interest margin | 3.1495% | 2,368 |
| Noninterest income to average assets | 0.5408% | 1,989 |
| Noninterest expense to average assets | 2.0034% | 3,420 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1875% | 1,471 |
| Return on assets (ROA) | 1.1886% | 1,444 |
| Pretax return on assets | 1.5565% | 1,034 |
| Return on Equity (ROE) | 10.5942% | 2,139 |
| Retained earnings to average equity (ytd only) | 7.5370% | 1,800 |
| Net charge-offs to loans | 0.0035% | 1,924 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 725.4545% | 195 |
| Efficiency ratio | 56.2979% | 3,748 |
| Assets per employee ($millions) | 6.1532% | 2,610 |
| Cash dividends to net income (ytd only)* | 28.8572% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,518 |
| Loan loss allowance to noncurrent loans | 531.3423% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 2,687 |
| Noncurrent loans to loans | 0.2319% | 2,558 |
| Net loans and leases to total assets | 62.8737% | 2,030 |
| Net loans and leases to deposits | 71.0208% | 2,107 |
| Net loans and leases to core deposits | 72.1173% | 2,327 |
| Total domestic deposits to total assets | 88.5286% | 2,371 |
| Equity capital to assets | 10.8972% | 1,258 |
| Core capital (leverage) ratio | 12.1008% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,026,256,000 | 953 |
| Average earning assets | $983,332,333 | 925 |
| Average equity | $115,138,000 | 869 |
| Average total loans | $629,273,000 | 984 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1628% | 2,791 |
| Cost of funding earning assets | 0.1314% | 3,751 |
| Net interest margin | 3.0314% | 2,397 |
| Noninterest income to average assets | 0.5597% | 1,869 |
| Noninterest expense to average assets | 2.0966% | 3,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0587% | 1,659 |
| Return on assets (ROA) | 1.0587% | 1,652 |
| Pretax return on assets | 1.3707% | 1,327 |
| Return on Equity (ROE) | 9.3065% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.3065% | 1,183 |
| Net charge-offs to loans | 0.0045% | 1,598 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 506.5714% | 205 |
| Efficiency ratio | 58.0379% | 3,677 |
| Assets per employee ($millions) | 6.4773% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 2,630 |
| Loan loss allowance to noncurrent loans | 431.6621% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 2,565 |
| Noncurrent loans to loans | 0.2883% | 2,439 |
| Net loans and leases to total assets | 60.2814% | 2,036 |
| Net loans and leases to deposits | 68.1500% | 2,140 |
| Net loans and leases to core deposits | 69.1946% | 2,363 |
| Total domestic deposits to total assets | 88.4540% | 2,316 |
| Equity capital to assets | 10.9424% | 1,357 |
| Core capital (leverage) ratio | 11.9073% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,034,825,500 | 950 |
| Average earning assets | $992,540,500 | 922 |
| Average equity | $117,724,000 | 875 |
| Average total loans | $622,716,500 | 986 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 2,790 |
| Cost of funding earning assets | 0.2240% | 3,208 |
| Net interest margin | 3.2301% | 2,516 |
| Noninterest income to average assets | 0.8370% | 1,355 |
| Noninterest expense to average assets | 2.2413% | 2,964 |
| Loan and lease loss provision to assets | 0.1213% | 1,017 |
| Net operating income to assets | 1.1550% | 2,084 |
| Return on assets (ROA) | 1.1550% | 2,144 |
| Pretax return on assets | 1.5774% | 1,491 |
| Return on Equity (ROE) | 9.6998% | 2,638 |
| Retained earnings to average equity (ytd only) | 6.9842% | 1,923 |
| Net charge-offs to loans | -0.0036% | 3,472 |
| Credit loss provision to net charge-offs | -5,454.5455% | 4,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8864% | 3,594 |
| Assets per employee ($millions) | 6.4176% | 2,399 |
| Cash dividends to net income (ytd only)* | 27.9965% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 2,350 |
| Loan loss allowance to noncurrent loans | 325.7190% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 2,372 |
| Noncurrent loans to loans | 0.3998% | 2,156 |
| Net loans and leases to total assets | 58.5254% | 2,320 |
| Net loans and leases to deposits | 66.8273% | 2,425 |
| Net loans and leases to core deposits | 68.0084% | 2,651 |
| Total domestic deposits to total assets | 87.5771% | 2,246 |
| Equity capital to assets | 11.8168% | 1,338 |
| Core capital (leverage) ratio | 12.3058% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $989,600,800 | 967 |
| Average earning assets | $950,655,000 | 944 |
| Average equity | $117,837,800 | 885 |
| Average total loans | $611,774,600 | 991 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5170% | 2,776 |
| Cost of funding earning assets | 0.2472% | 3,151 |
| Net interest margin | 3.2698% | 2,511 |
| Noninterest income to average assets | 0.8672% | 1,331 |
| Noninterest expense to average assets | 2.2194% | 3,009 |
| Loan and lease loss provision to assets | 0.1224% | 955 |
| Net operating income to assets | 1.2056% | 2,150 |
| Return on assets (ROA) | 1.2056% | 2,207 |
| Pretax return on assets | 1.6683% | 1,490 |
| Return on Equity (ROE) | 10.1043% | 2,701 |
| Retained earnings to average equity (ytd only) | 8.3944% | 1,916 |
| Net charge-offs to loans | -0.0118% | 3,740 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3453% | 3,613 |
| Assets per employee ($millions) | 6.2036% | 2,497 |
| Cash dividends to net income (ytd only)* | 16.9224% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,724 |
| Loan loss allowance to noncurrent loans | 301.2584% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 2,517 |
| Noncurrent loans to loans | 0.4154% | 2,313 |
| Net loans and leases to total assets | 59.7901% | 2,291 |
| Net loans and leases to deposits | 68.4775% | 2,397 |
| Net loans and leases to core deposits | 69.9689% | 2,600 |
| Total domestic deposits to total assets | 87.3136% | 2,206 |
| Equity capital to assets | 11.8569% | 1,466 |
| Core capital (leverage) ratio | 12.2796% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $980,299,000 | 986 |
| Average earning assets | $942,249,250 | 961 |
| Average equity | $116,963,250 | 899 |
| Average total loans | $612,500,250 | 1,010 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 2,947 |
| Cost of funding earning assets | 0.2741% | 3,054 |
| Net interest margin | 3.2040% | 2,744 |
| Noninterest income to average assets | 0.9200% | 1,218 |
| Noninterest expense to average assets | 2.2177% | 3,022 |
| Loan and lease loss provision to assets | 0.1237% | 1,015 |
| Net operating income to assets | 1.2080% | 2,164 |
| Return on assets (ROA) | 1.2080% | 2,231 |
| Pretax return on assets | 1.6583% | 1,589 |
| Return on Equity (ROE) | 10.1030% | 2,706 |
| Retained earnings to average equity (ytd only) | 7.5164% | 2,244 |
| Net charge-offs to loans | -0.0137% | 3,812 |
| Credit loss provision to net charge-offs | -1,428.5714% | 3,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4462% | 3,611 |
| Assets per employee ($millions) | 6.1819% | 2,445 |
| Cash dividends to net income (ytd only)* | 25.6016% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 3,077 |
| Loan loss allowance to noncurrent loans | 280.7795% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 2,617 |
| Noncurrent loans to loans | 0.4183% | 2,428 |
| Net loans and leases to total assets | 62.1247% | 2,167 |
| Net loans and leases to deposits | 71.1703% | 2,285 |
| Net loans and leases to core deposits | 72.7830% | 2,543 |
| Total domestic deposits to total assets | 87.2902% | 2,175 |
| Equity capital to assets | 11.8070% | 1,457 |
| Core capital (leverage) ratio | 12.0433% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $970,002,000 | 989 |
| Average earning assets | $932,390,333 | 960 |
| Average equity | $115,985,667 | 893 |
| Average total loans | $612,582,667 | 1,004 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5167% | 2,870 |
| Cost of funding earning assets | 0.3079% | 2,912 |
| Net interest margin | 3.2089% | 2,666 |
| Noninterest income to average assets | 1.0358% | 1,075 |
| Noninterest expense to average assets | 2.2587% | 2,913 |
| Loan and lease loss provision to assets | 0.1253% | 1,092 |
| Net operating income to assets | 1.2810% | 1,886 |
| Return on assets (ROA) | 1.2810% | 1,958 |
| Pretax return on assets | 1.7394% | 1,415 |
| Return on Equity (ROE) | 10.6438% | 2,482 |
| Retained earnings to average equity (ytd only) | 10.6438% | 1,484 |
| Net charge-offs to loans | -0.0013% | 3,066 |
| Credit loss provision to net charge-offs | -15,000.0000% | 3,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7776% | 3,703 |
| Assets per employee ($millions) | 6.2667% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 3,197 |
| Loan loss allowance to noncurrent loans | 252.0863% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 2,739 |
| Noncurrent loans to loans | 0.4557% | 2,490 |
| Net loans and leases to total assets | 61.2960% | 2,365 |
| Net loans and leases to deposits | 70.1144% | 2,492 |
| Net loans and leases to core deposits | 71.6798% | 2,725 |
| Total domestic deposits to total assets | 87.4228% | 2,127 |
| Equity capital to assets | 11.7868% | 1,397 |
| Core capital (leverage) ratio | 11.9991% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $957,361,000 | 987 |
| Average earning assets | $921,197,500 | 961 |
| Average equity | $115,222,000 | 894 |
| Average total loans | $606,041,500 | 1,014 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 3,102 |
| Cost of funding earning assets | 0.5580% | 2,566 |
| Net interest margin | 3.3156% | 3,031 |
| Noninterest income to average assets | 1.2255% | 746 |
| Noninterest expense to average assets | 2.4014% | 3,130 |
| Loan and lease loss provision to assets | 0.2201% | 1,777 |
| Net operating income to assets | 1.3518% | 1,120 |
| Return on assets (ROA) | 1.3518% | 1,215 |
| Pretax return on assets | 1.7767% | 724 |
| Return on Equity (ROE) | 10.7724% | 1,715 |
| Retained earnings to average equity (ytd only) | 8.5625% | 890 |
| Net charge-offs to loans | -0.0274% | 4,507 |
| Credit loss provision to net charge-offs | -1,198.1132% | 4,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0042% | 4,310 |
| Assets per employee ($millions) | 5.9290% | 2,404 |
| Cash dividends to net income (ytd only)* | 20.5146% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 3,392 |
| Loan loss allowance to noncurrent loans | 293.3508% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 3,056 |
| Noncurrent loans to loans | 0.3797% | 2,843 |
| Net loans and leases to total assets | 63.9518% | 2,371 |
| Net loans and leases to deposits | 73.5005% | 2,536 |
| Net loans and leases to core deposits | 75.4378% | 2,779 |
| Total domestic deposits to total assets | 87.0086% | 1,944 |
| Equity capital to assets | 12.2981% | 1,419 |
| Core capital (leverage) ratio | 12.2800% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $865,414,800 | 996 |
| Average earning assets | $828,127,600 | 975 |
| Average equity | $108,601,600 | 898 |
| Average total loans | $580,072,800 | 1,009 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9204% | 3,188 |
| Cost of funding earning assets | 0.6185% | 2,499 |
| Net interest margin | 3.3019% | 3,183 |
| Noninterest income to average assets | 1.2195% | 729 |
| Noninterest expense to average assets | 2.3641% | 3,239 |
| Loan and lease loss provision to assets | 0.1570% | 2,440 |
| Net operating income to assets | 1.3652% | 1,187 |
| Return on assets (ROA) | 1.3652% | 1,290 |
| Pretax return on assets | 1.8522% | 710 |
| Return on Equity (ROE) | 10.8200% | 1,742 |
| Retained earnings to average equity (ytd only) | 9.3265% | 902 |
| Net charge-offs to loans | -0.0425% | 4,629 |
| Credit loss provision to net charge-offs | -546.4481% | 3,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7720% | 4,275 |
| Assets per employee ($millions) | 5.6255% | 2,603 |
| Cash dividends to net income (ytd only)* | 13.8026% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 3,854 |
| Loan loss allowance to noncurrent loans | 255.1467% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 3,164 |
| Noncurrent loans to loans | 0.3754% | 2,941 |
| Net loans and leases to total assets | 66.9128% | 2,395 |
| Net loans and leases to deposits | 77.3102% | 2,616 |
| Net loans and leases to core deposits | 79.5164% | 2,885 |
| Total domestic deposits to total assets | 86.5512% | 1,839 |
| Equity capital to assets | 12.4475% | 1,449 |
| Core capital (leverage) ratio | 12.2727% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $849,056,000 | 998 |
| Average earning assets | $810,981,000 | 981 |
| Average equity | $107,132,750 | 902 |
| Average total loans | $574,590,750 | 1,010 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 3,245 |
| Cost of funding earning assets | 0.6971% | 2,399 |
| Net interest margin | 3.3345% | 3,293 |
| Noninterest income to average assets | 1.1050% | 812 |
| Noninterest expense to average assets | 2.4167% | 3,208 |
| Loan and lease loss provision to assets | 0.0961% | 3,070 |
| Net operating income to assets | 1.2946% | 1,369 |
| Return on assets (ROA) | 1.2946% | 1,479 |
| Pretax return on assets | 1.7691% | 864 |
| Return on Equity (ROE) | 10.2106% | 1,924 |
| Retained earnings to average equity (ytd only) | 7.9357% | 1,326 |
| Net charge-offs to loans | -0.0685% | 4,763 |
| Credit loss provision to net charge-offs | -207.2539% | 3,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4347% | 4,126 |
| Assets per employee ($millions) | 5.8005% | 2,371 |
| Cash dividends to net income (ytd only)* | 22.2800% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 4,069 |
| Loan loss allowance to noncurrent loans | 198.3706% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 3,123 |
| Noncurrent loans to loans | 0.4448% | 2,823 |
| Net loans and leases to total assets | 65.8313% | 2,652 |
| Net loans and leases to deposits | 76.5222% | 2,803 |
| Net loans and leases to core deposits | 78.7843% | 3,044 |
| Total domestic deposits to total assets | 86.0290% | 1,997 |
| Equity capital to assets | 12.1799% | 1,547 |
| Core capital (leverage) ratio | 12.4010% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $832,049,000 | 1,001 |
| Average earning assets | $792,735,667 | 977 |
| Average equity | $105,498,000 | 911 |
| Average total loans | $563,423,667 | 1,013 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2272% | 3,129 |
| Cost of funding earning assets | 0.8245% | 2,250 |
| Net interest margin | 3.4027% | 3,288 |
| Noninterest income to average assets | 0.7761% | 1,381 |
| Noninterest expense to average assets | 2.4291% | 3,478 |
| Loan and lease loss provision to assets | 0.0499% | 3,150 |
| Net operating income to assets | 1.1280% | 1,758 |
| Return on assets (ROA) | 1.1280% | 1,859 |
| Pretax return on assets | 1.5228% | 1,249 |
| Return on Equity (ROE) | 8.7051% | 2,234 |
| Retained earnings to average equity (ytd only) | 8.7051% | 1,050 |
| Net charge-offs to loans | 0.0066% | 2,341 |
| Credit loss provision to net charge-offs | 1,111.1111% | 529 |
| Earnings coverage of net charge-offs (x) | 350.1111% | 199 |
| Efficiency ratio | 60.7009% | 3,653 |
| Assets per employee ($millions) | 5.1585% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 4,262 |
| Loan loss allowance to noncurrent loans | 569.5548% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 4,104 |
| Noncurrent loans to loans | 0.1503% | 3,921 |
| Net loans and leases to total assets | 67.6886% | 2,587 |
| Net loans and leases to deposits | 78.1178% | 2,873 |
| Net loans and leases to core deposits | 80.4281% | 3,159 |
| Total domestic deposits to total assets | 86.6493% | 1,718 |
| Equity capital to assets | 13.0086% | 1,424 |
| Core capital (leverage) ratio | 13.1712% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $801,437,000 | 1,002 |
| Average earning assets | $759,753,000 | 984 |
| Average equity | $103,847,000 | 922 |
| Average total loans | $548,491,500 | 1,011 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 3,331 |
| Cost of funding earning assets | 0.8534% | 2,412 |
| Net interest margin | 3.5167% | 3,400 |
| Noninterest income to average assets | 0.7710% | 1,542 |
| Noninterest expense to average assets | 2.4604% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2189% | 1,985 |
| Return on assets (ROA) | 1.2193% | 2,074 |
| Pretax return on assets | 1.6453% | 1,347 |
| Return on Equity (ROE) | 9.6064% | 2,475 |
| Retained earnings to average equity (ytd only) | 7.5599% | 1,139 |
| Net charge-offs to loans | -0.1748% | 5,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9152% | 3,710 |
| Assets per employee ($millions) | 5.0833% | 2,474 |
| Cash dividends to net income (ytd only)* | 21.3038% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8534% | 4,143 |
| Loan loss allowance to noncurrent loans | 636.8999% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 4,169 |
| Noncurrent loans to loans | 0.1340% | 3,984 |
| Net loans and leases to total assets | 68.0221% | 2,678 |
| Net loans and leases to deposits | 78.2306% | 2,983 |
| Net loans and leases to core deposits | 80.3189% | 3,270 |
| Total domestic deposits to total assets | 86.9508% | 1,635 |
| Equity capital to assets | 12.9055% | 1,576 |
| Core capital (leverage) ratio | 13.1556% | 1,168 |
| Tier 1 risk-based capital ratio | 17.5393% | 1,883 |
| Total risk-based capital ratio | 18.3303% | 1,965 |
| Memoranda: | ||
| Average total assets | $769,945,800 | 1,005 |
| Average earning assets | $730,005,600 | 980 |
| Average equity | $97,726,600 | 915 |
| Average total loans | $525,147,200 | 1,027 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 3,476 |
| Cost of funding earning assets | 0.8610% | 2,407 |
| Net interest margin | 3.5005% | 3,562 |
| Noninterest income to average assets | 0.7450% | 1,610 |
| Noninterest expense to average assets | 2.4630% | 3,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1923% | 2,222 |
| Return on assets (ROA) | 1.1929% | 2,300 |
| Pretax return on assets | 1.6066% | 1,609 |
| Return on Equity (ROE) | 9.4392% | 2,701 |
| Retained earnings to average equity (ytd only) | 8.0586% | 1,366 |
| Net charge-offs to loans | 0.0815% | 1,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 28.9433% | 1,667 |
| Efficiency ratio | 60.5334% | 3,536 |
| Assets per employee ($millions) | 4.8661% | 2,714 |
| Cash dividends to net income (ytd only)* | 14.6263% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6155% | 4,782 |
| Loan loss allowance to noncurrent loans | 59.6184% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 1,747 |
| Noncurrent loans to loans | 1.0324% | 1,553 |
| Net loans and leases to total assets | 71.5347% | 2,248 |
| Net loans and leases to deposits | 82.6682% | 2,598 |
| Net loans and leases to core deposits | 84.6665% | 3,030 |
| Total domestic deposits to total assets | 86.5323% | 1,753 |
| Equity capital to assets | 13.1349% | 1,549 |
| Core capital (leverage) ratio | 13.1851% | 1,262 |
| Tier 1 risk-based capital ratio | 17.3467% | 1,983 |
| Total risk-based capital ratio | 17.9294% | 2,130 |
| Memoranda: | ||
| Average total assets | $764,183,000 | 1,013 |
| Average earning assets | $725,621,750 | 986 |
| Average equity | $96,573,250 | 928 |
| Average total loans | $520,420,000 | 1,036 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 3,742 |
| Cost of funding earning assets | 0.8540% | 2,381 |
| Net interest margin | 3.4120% | 3,859 |
| Noninterest income to average assets | 0.6685% | 1,838 |
| Noninterest expense to average assets | 2.4872% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0511% | 2,718 |
| Return on assets (ROA) | 1.0519% | 2,784 |
| Pretax return on assets | 1.4261% | 2,119 |
| Return on Equity (ROE) | 8.4351% | 3,100 |
| Retained earnings to average equity (ytd only) | 6.3321% | 2,125 |
| Net charge-offs to loans | -0.0322% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4133% | 3,226 |
| Assets per employee ($millions) | 4.8942% | 2,609 |
| Cash dividends to net income (ytd only)* | 24.9314% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7284% | 4,650 |
| Loan loss allowance to noncurrent loans | 61.4900% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.8518% | 1,654 |
| Noncurrent loans to loans | 1.1846% | 1,355 |
| Net loans and leases to total assets | 67.4863% | 2,890 |
| Net loans and leases to deposits | 77.4867% | 3,195 |
| Net loans and leases to core deposits | 79.1861% | 3,491 |
| Total domestic deposits to total assets | 87.0942% | 1,556 |
| Equity capital to assets | 12.7101% | 1,737 |
| Core capital (leverage) ratio | 12.9673% | 1,306 |
| Tier 1 risk-based capital ratio | 18.2986% | 1,725 |
| Total risk-based capital ratio | 19.0049% | 1,818 |
| Memoranda: | ||
| Average total assets | $762,631,670 | 1,015 |
| Average earning assets | $725,035,330 | 994 |
| Average equity | $95,102,330 | 933 |
| Average total loans | $509,429,670 | 1,060 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2121% | 3,822 |
| Cost of funding earning assets | 0.8446% | 2,299 |
| Net interest margin | 3.3675% | 3,985 |
| Noninterest income to average assets | 0.6402% | 1,859 |
| Noninterest expense to average assets | 2.5235% | 3,432 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9781% | 2,930 |
| Return on assets (ROA) | 0.9798% | 2,966 |
| Pretax return on assets | 1.3157% | 2,389 |
| Return on Equity (ROE) | 7.9342% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.9342% | 1,690 |
| Net charge-offs to loans | -0.1026% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2031% | 3,060 |
| Assets per employee ($millions) | 4.8940% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7604% | 4,632 |
| Loan loss allowance to noncurrent loans | 58.6071% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 1,399 |
| Noncurrent loans to loans | 1.2975% | 1,265 |
| Net loans and leases to total assets | 65.4614% | 3,119 |
| Net loans and leases to deposits | 74.9234% | 3,363 |
| Net loans and leases to core deposits | 76.4509% | 3,632 |
| Total domestic deposits to total assets | 87.3711% | 1,625 |
| Equity capital to assets | 12.4168% | 1,787 |
| Core capital (leverage) ratio | 12.9181% | 1,312 |
| Tier 1 risk-based capital ratio | 18.1884% | 1,743 |
| Total risk-based capital ratio | 18.9079% | 1,852 |
| Memoranda: | ||
| Average total assets | $759,753,500 | 1,015 |
| Average earning assets | $721,249,500 | 994 |
| Average equity | $93,822,000 | 938 |
| Average total loans | $502,963,500 | 1,073 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 4,182 |
| Cost of funding earning assets | 0.6382% | 2,476 |
| Net interest margin | 3.3061% | 4,239 |
| Noninterest income to average assets | 0.7465% | 1,660 |
| Noninterest expense to average assets | 2.3905% | 3,907 |
| Loan and lease loss provision to assets | 0.0341% | 3,511 |
| Net operating income to assets | 1.1115% | 2,547 |
| Return on assets (ROA) | 1.1118% | 2,551 |
| Pretax return on assets | 1.4555% | 1,928 |
| Return on Equity (ROE) | 9.1420% | 2,923 |
| Retained earnings to average equity (ytd only) | 6.7866% | 1,762 |
| Net charge-offs to loans | 0.2162% | 891 |
| Credit loss provision to net charge-offs | 24.2718% | 3,383 |
| Earnings coverage of net charge-offs (x) | 10.6000% | 2,704 |
| Efficiency ratio | 60.9900% | 3,689 |
| Assets per employee ($millions) | 4.7844% | 2,763 |
| Cash dividends to net income (ytd only)* | 25.7637% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7461% | 4,689 |
| Loan loss allowance to noncurrent loans | 56.7596% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.0199% | 1,340 |
| Noncurrent loans to loans | 1.3146% | 1,196 |
| Net loans and leases to total assets | 65.9485% | 3,141 |
| Net loans and leases to deposits | 75.2240% | 3,412 |
| Net loans and leases to core deposits | 76.9106% | 3,649 |
| Total domestic deposits to total assets | 87.6695% | 1,460 |
| Equity capital to assets | 12.2797% | 1,710 |
| Core capital (leverage) ratio | 12.8822% | 1,292 |
| Tier 1 risk-based capital ratio | 18.1935% | 1,699 |
| Total risk-based capital ratio | 18.9024% | 1,812 |
| Memoranda: | ||
| Average total assets | $733,139,200 | 1,013 |
| Average earning assets | $694,812,000 | 995 |
| Average equity | $89,160,400 | 944 |
| Average total loans | $476,502,400 | 1,095 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8937% | 4,227 |
| Cost of funding earning assets | 0.6024% | 2,459 |
| Net interest margin | 3.2913% | 4,302 |
| Noninterest income to average assets | 0.7577% | 1,642 |
| Noninterest expense to average assets | 2.4264% | 3,792 |
| Loan and lease loss provision to assets | 0.0412% | 3,177 |
| Net operating income to assets | 1.0728% | 2,771 |
| Return on assets (ROA) | 1.0732% | 2,782 |
| Pretax return on assets | 1.4112% | 2,190 |
| Return on Equity (ROE) | 8.8469% | 3,158 |
| Retained earnings to average equity (ytd only) | 6.8105% | 2,229 |
| Net charge-offs to loans | 0.2948% | 562 |
| Credit loss provision to net charge-offs | 21.6138% | 3,009 |
| Earnings coverage of net charge-offs (x) | 7.6215% | 2,789 |
| Efficiency ratio | 61.9137% | 3,522 |
| Assets per employee ($millions) | 4.7372% | 2,798 |
| Cash dividends to net income (ytd only)* | 23.0180% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7686% | 4,712 |
| Loan loss allowance to noncurrent loans | 54.7994% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.0595% | 1,362 |
| Noncurrent loans to loans | 1.4026% | 1,180 |
| Net loans and leases to total assets | 64.4300% | 3,372 |
| Net loans and leases to deposits | 73.5433% | 3,640 |
| Net loans and leases to core deposits | 75.1325% | 3,866 |
| Total domestic deposits to total assets | 87.6083% | 1,438 |
| Equity capital to assets | 12.2223% | 1,758 |
| Core capital (leverage) ratio | 12.8233% | 1,359 |
| Tier 1 risk-based capital ratio | 18.5533% | 1,647 |
| Total risk-based capital ratio | 19.2810% | 1,741 |
| Memoranda: | ||
| Average total assets | $728,635,750 | 1,018 |
| Average earning assets | $690,807,000 | 997 |
| Average equity | $88,390,750 | 944 |
| Average total loans | $470,853,500 | 1,107 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7999% | 4,345 |
| Cost of funding earning assets | 0.5575% | 2,543 |
| Net interest margin | 3.2424% | 4,402 |
| Noninterest income to average assets | 0.7444% | 1,670 |
| Noninterest expense to average assets | 2.4706% | 3,715 |
| Loan and lease loss provision to assets | 0.0414% | 3,079 |
| Net operating income to assets | 1.0008% | 3,016 |
| Return on assets (ROA) | 1.0014% | 3,011 |
| Pretax return on assets | 1.3048% | 2,487 |
| Return on Equity (ROE) | 8.2761% | 3,373 |
| Retained earnings to average equity (ytd only) | 5.1991% | 2,974 |
| Net charge-offs to loans | 0.3886% | 407 |
| Credit loss provision to net charge-offs | 16.5017% | 2,708 |
| Earnings coverage of net charge-offs (x) | 5.3663% | 2,716 |
| Efficiency ratio | 63.8190% | 3,335 |
| Assets per employee ($millions) | 4.5335% | 3,081 |
| Cash dividends to net income (ytd only)* | 37.1798% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7842% | 4,738 |
| Loan loss allowance to noncurrent loans | 50.7934% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.1755% | 1,230 |
| Noncurrent loans to loans | 1.5439% | 1,072 |
| Net loans and leases to total assets | 65.7306% | 3,183 |
| Net loans and leases to deposits | 75.0221% | 3,439 |
| Net loans and leases to core deposits | 76.6174% | 3,691 |
| Total domestic deposits to total assets | 87.6149% | 1,582 |
| Equity capital to assets | 12.2812% | 1,677 |
| Core capital (leverage) ratio | 12.6789% | 1,355 |
| Tier 1 risk-based capital ratio | 18.3259% | 1,720 |
| Total risk-based capital ratio | 19.0735% | 1,814 |
| Memoranda: | ||
| Average total assets | $725,180,330 | 1,025 |
| Average earning assets | $686,970,000 | 1,004 |
| Average equity | $87,746,670 | 952 |
| Average total loans | $467,862,330 | 1,115 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6278% | 4,644 |
| Cost of funding earning assets | 0.5310% | 2,535 |
| Net interest margin | 3.0969% | 4,711 |
| Noninterest income to average assets | 0.7122% | 1,779 |
| Noninterest expense to average assets | 2.4500% | 3,813 |
| Loan and lease loss provision to assets | 0.0412% | 2,932 |
| Net operating income to assets | 0.8830% | 3,360 |
| Return on assets (ROA) | 0.8843% | 3,371 |
| Pretax return on assets | 1.1543% | 2,958 |
| Return on Equity (ROE) | 7.3628% | 3,646 |
| Retained earnings to average equity (ytd only) | 4.6155% | 3,354 |
| Net charge-offs to loans | 0.8786% | 162 |
| Credit loss provision to net charge-offs | 7.3746% | 2,180 |
| Earnings coverage of net charge-offs (x) | 2.1347% | 2,490 |
| Efficiency ratio | 65.9825% | 3,157 |
| Assets per employee ($millions) | 4.7161% | 2,838 |
| Cash dividends to net income (ytd only)* | 37.3134% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 4,848 |
| Loan loss allowance to noncurrent loans | 44.2320% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.2527% | 1,189 |
| Noncurrent loans to loans | 1.7573% | 971 |
| Net loans and leases to total assets | 62.2017% | 3,525 |
| Net loans and leases to deposits | 70.7242% | 3,728 |
| Net loans and leases to core deposits | 72.2994% | 3,930 |
| Total domestic deposits to total assets | 87.9497% | 1,644 |
| Equity capital to assets | 11.9522% | 1,823 |
| Core capital (leverage) ratio | 12.5759% | 1,359 |
| Tier 1 risk-based capital ratio | 19.1034% | 1,531 |
| Total risk-based capital ratio | 19.8551% | 1,627 |
| Memoranda: | ||
| Average total assets | $727,360,500 | 1,035 |
| Average earning assets | $688,568,000 | 1,009 |
| Average equity | $87,357,500 | 959 |
| Average total loans | $463,021,500 | 1,131 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6308% | 4,504 |
| Cost of funding earning assets | 0.4468% | 2,807 |
| Net interest margin | 3.1840% | 4,488 |
| Noninterest income to average assets | 0.7079% | 1,926 |
| Noninterest expense to average assets | 2.3411% | 4,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9163% | 2,620 |
| Return on assets (ROA) | 0.9193% | 2,635 |
| Pretax return on assets | 1.3811% | 2,052 |
| Return on Equity (ROE) | 7.6648% | 2,974 |
| Retained earnings to average equity (ytd only) | 2.3474% | 3,917 |
| Net charge-offs to loans | -0.0007% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1279% | 3,920 |
| Assets per employee ($millions) | 4.7613% | 2,784 |
| Cash dividends to net income (ytd only)* | 69.3738% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 4,152 |
| Loan loss allowance to noncurrent loans | 52.5064% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.3378% | 1,076 |
| Noncurrent loans to loans | 1.8337% | 867 |
| Net loans and leases to total assets | 64.0139% | 3,364 |
| Net loans and leases to deposits | 72.8441% | 3,614 |
| Net loans and leases to core deposits | 74.5088% | 3,846 |
| Total domestic deposits to total assets | 87.8780% | 1,564 |
| Equity capital to assets | 12.0688% | 1,787 |
| Core capital (leverage) ratio | 12.5046% | 1,354 |
| Tier 1 risk-based capital ratio | 18.7646% | 1,570 |
| Total risk-based capital ratio | 19.7125% | 1,614 |
| Memoranda: | ||
| Average total assets | $713,942,400 | 1,024 |
| Average earning assets | $674,874,000 | 1,003 |
| Average equity | $85,625,200 | 951 |
| Average total loans | $453,726,600 | 1,118 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5810% | 4,607 |
| Cost of funding earning assets | 0.4386% | 2,823 |
| Net interest margin | 3.1424% | 4,596 |
| Noninterest income to average assets | 0.7121% | 1,947 |
| Noninterest expense to average assets | 2.3508% | 4,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9061% | 3,002 |
| Return on assets (ROA) | 0.9102% | 3,035 |
| Pretax return on assets | 1.3386% | 2,333 |
| Return on Equity (ROE) | 7.6012% | 3,342 |
| Retained earnings to average equity (ytd only) | 1.4930% | 4,821 |
| Net charge-offs to loans | 0.0003% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 7,128.6466% | 5 |
| Efficiency ratio | 62.9121% | 3,729 |
| Assets per employee ($millions) | 4.7509% | 2,762 |
| Cash dividends to net income (ytd only)* | 80.3582% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 4,221 |
| Loan loss allowance to noncurrent loans | 53.7185% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.3558% | 1,166 |
| Noncurrent loans to loans | 1.8112% | 985 |
| Net loans and leases to total assets | 63.8448% | 3,430 |
| Net loans and leases to deposits | 72.7319% | 3,700 |
| Net loans and leases to core deposits | 74.4431% | 3,938 |
| Total domestic deposits to total assets | 87.7809% | 1,474 |
| Equity capital to assets | 12.0929% | 1,904 |
| Core capital (leverage) ratio | 12.4165% | 1,450 |
| Tier 1 risk-based capital ratio | 18.8580% | 1,629 |
| Total risk-based capital ratio | 19.8212% | 1,661 |
| Memoranda: | ||
| Average total assets | $711,498,250 | 1,032 |
| Average earning assets | $672,762,500 | 1,012 |
| Average equity | $85,195,500 | 959 |
| Average total loans | $450,212,000 | 1,133 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 4,674 |
| Cost of funding earning assets | 0.4344% | 2,760 |
| Net interest margin | 3.0990% | 4,688 |
| Noninterest income to average assets | 0.7447% | 1,791 |
| Noninterest expense to average assets | 2.3844% | 4,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8811% | 3,017 |
| Return on assets (ROA) | 0.8811% | 3,073 |
| Pretax return on assets | 1.2859% | 2,441 |
| Return on Equity (ROE) | 7.3834% | 3,348 |
| Retained earnings to average equity (ytd only) | -1.8352% | 5,332 |
| Net charge-offs to loans | -0.0013% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0120% | 3,668 |
| Assets per employee ($millions) | 4.5497% | 3,031 |
| Cash dividends to net income (ytd only)* | 124.8560% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 4,192 |
| Loan loss allowance to noncurrent loans | 55.5981% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.5311% | 979 |
| Noncurrent loans to loans | 1.7849% | 1,016 |
| Net loans and leases to total assets | 63.3138% | 3,479 |
| Net loans and leases to deposits | 72.0085% | 3,738 |
| Net loans and leases to core deposits | 73.6859% | 3,964 |
| Total domestic deposits to total assets | 87.9254% | 1,496 |
| Equity capital to assets | 12.0013% | 1,926 |
| Core capital (leverage) ratio | 12.3061% | 1,471 |
| Tier 1 risk-based capital ratio | 18.7856% | 1,641 |
| Total risk-based capital ratio | 19.7652% | 1,672 |
| Memoranda: | ||
| Average total assets | $709,538,000 | 1,037 |
| Average earning assets | $669,823,670 | 1,018 |
| Average equity | $84,676,670 | 963 |
| Average total loans | $446,113,000 | 1,146 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5002% | 4,693 |
| Cost of funding earning assets | 0.4312% | 2,706 |
| Net interest margin | 3.0690% | 4,738 |
| Noninterest income to average assets | 0.7172% | 1,881 |
| Noninterest expense to average assets | 2.4047% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8491% | 2,995 |
| Return on assets (ROA) | 0.8491% | 3,037 |
| Pretax return on assets | 1.2055% | 2,575 |
| Return on Equity (ROE) | 7.1353% | 3,348 |
| Retained earnings to average equity (ytd only) | -8.2771% | 5,532 |
| Net charge-offs to loans | -0.0018% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5318% | 3,570 |
| Assets per employee ($millions) | 4.7027% | 2,839 |
| Cash dividends to net income (ytd only)* | 216.0027% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 4,246 |
| Loan loss allowance to noncurrent loans | 59.2578% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4823% | 1,096 |
| Noncurrent loans to loans | 1.6959% | 1,128 |
| Net loans and leases to total assets | 62.4666% | 3,472 |
| Net loans and leases to deposits | 70.8828% | 3,707 |
| Net loans and leases to core deposits | 72.5424% | 3,943 |
| Total domestic deposits to total assets | 88.1267% | 1,640 |
| Equity capital to assets | 11.7898% | 1,973 |
| Core capital (leverage) ratio | 12.1697% | 1,524 |
| Tier 1 risk-based capital ratio | 18.7766% | 1,671 |
| Total risk-based capital ratio | 19.7666% | 1,696 |
| Memoranda: | ||
| Average total assets | $709,434,000 | 1,040 |
| Average earning assets | $668,759,500 | 1,016 |
| Average equity | $84,425,500 | 969 |
| Average total loans | $442,234,000 | 1,155 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5512% | 4,638 |
| Cost of funding earning assets | 0.4081% | 2,926 |
| Net interest margin | 3.1432% | 4,610 |
| Noninterest income to average assets | 0.8481% | 1,584 |
| Noninterest expense to average assets | 2.3848% | 4,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9515% | 2,576 |
| Return on assets (ROA) | 0.9515% | 2,683 |
| Pretax return on assets | 1.4119% | 1,892 |
| Return on Equity (ROE) | 7.8114% | 3,048 |
| Retained earnings to average equity (ytd only) | 3.3886% | 3,513 |
| Net charge-offs to loans | 1.8614% | 77 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.2152% | 4,020 |
| Efficiency ratio | 63.5280% | 4,028 |
| Assets per employee ($millions) | 4.5144% | 3,093 |
| Cash dividends to net income (ytd only)* | 56.6195% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 4,131 |
| Loan loss allowance to noncurrent loans | 57.5061% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 1.5311% | 1,068 |
| Noncurrent loans to loans | 1.7936% | 1,057 |
| Net loans and leases to total assets | 60.9351% | 3,742 |
| Net loans and leases to deposits | 69.2891% | 3,980 |
| Net loans and leases to core deposits | 70.8216% | 4,168 |
| Total domestic deposits to total assets | 87.9432% | 1,656 |
| Equity capital to assets | 12.0112% | 1,795 |
| Core capital (leverage) ratio | 12.3943% | 1,385 |
| Tier 1 risk-based capital ratio | 19.6109% | 1,449 |
| Total risk-based capital ratio | 20.6238% | 1,473 |
| Memoranda: | ||
| Average total assets | $691,468,400 | 1,028 |
| Average earning assets | $648,673,400 | 1,010 |
| Average equity | $84,222,600 | 947 |
| Average total loans | $431,602,000 | 1,135 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5509% | 4,677 |
| Cost of funding earning assets | 0.4032% | 2,988 |
| Net interest margin | 3.1477% | 4,651 |
| Noninterest income to average assets | 0.9484% | 1,257 |
| Noninterest expense to average assets | 2.4239% | 4,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9832% | 2,504 |
| Return on assets (ROA) | 0.9832% | 2,642 |
| Pretax return on assets | 1.4772% | 1,781 |
| Return on Equity (ROE) | 8.0431% | 2,980 |
| Retained earnings to average equity (ytd only) | 3.0033% | 4,114 |
| Net charge-offs to loans | 0.0852% | 2,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 27.6834% | 1,558 |
| Efficiency ratio | 62.6312% | 4,120 |
| Assets per employee ($millions) | 4.6650% | 2,810 |
| Cash dividends to net income (ytd only)* | 62.6604% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8683% | 219 |
| Loan loss allowance to noncurrent loans | 77.8709% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.7417% | 468 |
| Noncurrent loans to loans | 3.6835% | 330 |
| Net loans and leases to total assets | 58.9378% | 3,999 |
| Net loans and leases to deposits | 67.3084% | 4,219 |
| Net loans and leases to core deposits | 69.0311% | 4,395 |
| Total domestic deposits to total assets | 87.5638% | 1,631 |
| Equity capital to assets | 12.1866% | 1,990 |
| Core capital (leverage) ratio | 12.3601% | 1,460 |
| Tier 1 risk-based capital ratio | 19.5437% | 1,538 |
| Total risk-based capital ratio | 20.8126% | 1,500 |
| Memoranda: | ||
| Average total assets | $687,145,250 | 1,039 |
| Average earning assets | $644,558,500 | 1,018 |
| Average equity | $83,995,500 | 955 |
| Average total loans | $430,406,250 | 1,133 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5703% | 4,679 |
| Cost of funding earning assets | 0.3946% | 3,101 |
| Net interest margin | 3.1757% | 4,622 |
| Noninterest income to average assets | 0.9478% | 1,243 |
| Noninterest expense to average assets | 2.5357% | 3,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9090% | 2,819 |
| Return on assets (ROA) | 0.9090% | 2,952 |
| Pretax return on assets | 1.3863% | 2,078 |
| Return on Equity (ROE) | 7.4287% | 3,303 |
| Retained earnings to average equity (ytd only) | 0.4725% | 5,159 |
| Net charge-offs to loans | 0.0899% | 1,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 24.3454% | 1,551 |
| Efficiency ratio | 64.5712% | 3,919 |
| Assets per employee ($millions) | 4.4953% | 3,038 |
| Cash dividends to net income (ytd only)* | 93.6390% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8679% | 234 |
| Loan loss allowance to noncurrent loans | 73.6424% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 3.0316% | 397 |
| Noncurrent loans to loans | 3.8943% | 312 |
| Net loans and leases to total assets | 60.3776% | 3,829 |
| Net loans and leases to deposits | 68.9173% | 4,094 |
| Net loans and leases to core deposits | 70.6504% | 4,281 |
| Total domestic deposits to total assets | 87.6088% | 1,621 |
| Equity capital to assets | 12.1530% | 2,015 |
| Core capital (leverage) ratio | 12.4021% | 1,405 |
| Tier 1 risk-based capital ratio | 18.7845% | 1,743 |
| Total risk-based capital ratio | 20.0529% | 1,700 |
| Memoranda: | ||
| Average total assets | $681,389,670 | 1,046 |
| Average earning assets | $638,150,330 | 1,029 |
| Average equity | $83,379,330 | 956 |
| Average total loans | $431,400,000 | 1,133 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5719% | 4,697 |
| Cost of funding earning assets | 0.3853% | 3,242 |
| Net interest margin | 3.1866% | 4,623 |
| Noninterest income to average assets | 0.7799% | 1,693 |
| Noninterest expense to average assets | 2.5156% | 4,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8557% | 2,970 |
| Return on assets (ROA) | 0.8557% | 3,086 |
| Pretax return on assets | 1.2498% | 2,502 |
| Return on Equity (ROE) | 6.9684% | 3,473 |
| Retained earnings to average equity (ytd only) | -5.0745% | 5,612 |
| Net charge-offs to loans | -0.0750% | 5,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2482% | 3,590 |
| Assets per employee ($millions) | 4.4996% | 3,069 |
| Cash dividends to net income (ytd only)* | 172.8216% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8925% | 246 |
| Loan loss allowance to noncurrent loans | 69.3835% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 3.5248% | 316 |
| Noncurrent loans to loans | 4.1688% | 280 |
| Net loans and leases to total assets | 61.9280% | 3,542 |
| Net loans and leases to deposits | 70.6602% | 3,792 |
| Net loans and leases to core deposits | 72.4231% | 4,036 |
| Total domestic deposits to total assets | 87.6420% | 1,837 |
| Equity capital to assets | 12.0851% | 1,969 |
| Core capital (leverage) ratio | 12.2795% | 1,443 |
| Tier 1 risk-based capital ratio | 18.3018% | 1,908 |
| Total risk-based capital ratio | 19.5706% | 1,862 |
| Memoranda: | ||
| Average total assets | $675,948,500 | 1,048 |
| Average earning assets | $633,279,000 | 1,036 |
| Average equity | $83,003,000 | 959 |
| Average total loans | $431,941,000 | 1,128 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5394% | 4,821 |
| Cost of funding earning assets | 0.3388% | 3,810 |
| Net interest margin | 3.2006% | 4,629 |
| Noninterest income to average assets | 0.7435% | 2,009 |
| Noninterest expense to average assets | 2.6193% | 3,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7665% | 3,482 |
| Return on assets (ROA) | 0.7665% | 3,572 |
| Pretax return on assets | 1.1042% | 3,034 |
| Return on Equity (ROE) | 6.2358% | 3,935 |
| Retained earnings to average equity (ytd only) | 4.4813% | 2,799 |
| Net charge-offs to loans | 0.0637% | 2,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 27.3769% | 1,547 |
| Efficiency ratio | 70.5267% | 3,142 |
| Assets per employee ($millions) | 4.3374% | 3,323 |
| Cash dividends to net income (ytd only)* | 28.1367% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9307% | 241 |
| Loan loss allowance to noncurrent loans | 65.2185% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 3.7462% | 292 |
| Noncurrent loans to loans | 4.4937% | 241 |
| Net loans and leases to total assets | 62.1568% | 3,538 |
| Net loans and leases to deposits | 71.1189% | 3,806 |
| Net loans and leases to core deposits | 72.8168% | 4,060 |
| Total domestic deposits to total assets | 87.3984% | 1,927 |
| Equity capital to assets | 12.4786% | 1,637 |
| Core capital (leverage) ratio | 12.7016% | 1,263 |
| Tier 1 risk-based capital ratio | 18.8724% | 1,731 |
| Total risk-based capital ratio | 20.1416% | 1,691 |
| Memoranda: | ||
| Average total assets | $664,439,800 | 1,031 |
| Average earning assets | $618,660,000 | 1,017 |
| Average equity | $81,673,200 | 930 |
| Average total loans | $420,512,800 | 1,088 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5550% | 4,856 |
| Cost of funding earning assets | 0.3327% | 3,944 |
| Net interest margin | 3.2222% | 4,602 |
| Noninterest income to average assets | 0.7348% | 2,087 |
| Noninterest expense to average assets | 2.5727% | 3,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8021% | 3,422 |
| Return on assets (ROA) | 0.8021% | 3,517 |
| Pretax return on assets | 1.1586% | 2,984 |
| Return on Equity (ROE) | 6.5505% | 3,873 |
| Retained earnings to average equity (ytd only) | 5.0474% | 2,881 |
| Net charge-offs to loans | 0.0051% | 3,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 360.4224% | 207 |
| Efficiency ratio | 69.4184% | 3,308 |
| Assets per employee ($millions) | 4.3426% | 3,254 |
| Cash dividends to net income (ytd only)* | 22.9459% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0176% | 238 |
| Loan loss allowance to noncurrent loans | 71.7484% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 3.6142% | 345 |
| Noncurrent loans to loans | 4.2058% | 289 |
| Net loans and leases to total assets | 61.8537% | 3,633 |
| Net loans and leases to deposits | 70.9165% | 3,889 |
| Net loans and leases to core deposits | 72.6286% | 4,135 |
| Total domestic deposits to total assets | 87.2205% | 1,931 |
| Equity capital to assets | 12.4654% | 1,764 |
| Core capital (leverage) ratio | 12.6867% | 1,325 |
| Tier 1 risk-based capital ratio | 19.0437% | 1,763 |
| Total risk-based capital ratio | 20.3143% | 1,728 |
| Memoranda: | ||
| Average total assets | $663,561,500 | 1,042 |
| Average earning assets | $617,077,000 | 1,026 |
| Average equity | $81,253,750 | 943 |
| Average total loans | $418,712,750 | 1,095 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5403% | 4,881 |
| Cost of funding earning assets | 0.3267% | 4,088 |
| Net interest margin | 3.2136% | 4,619 |
| Noninterest income to average assets | 0.7222% | 2,123 |
| Noninterest expense to average assets | 2.5112% | 4,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8280% | 3,228 |
| Return on assets (ROA) | 0.8280% | 3,339 |
| Pretax return on assets | 1.1947% | 2,798 |
| Return on Equity (ROE) | 6.8028% | 3,727 |
| Retained earnings to average equity (ytd only) | 4.5336% | 3,143 |
| Net charge-offs to loans | 0.1065% | 1,931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 17.8468% | 1,832 |
| Efficiency ratio | 68.6981% | 3,554 |
| Assets per employee ($millions) | 4.3798% | 3,170 |
| Cash dividends to net income (ytd only)* | 33.3576% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9835% | 272 |
| Loan loss allowance to noncurrent loans | 66.9630% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 4.2448% | 299 |
| Noncurrent loans to loans | 4.4554% | 307 |
| Net loans and leases to total assets | 62.2722% | 3,516 |
| Net loans and leases to deposits | 71.2977% | 3,787 |
| Net loans and leases to core deposits | 73.0762% | 4,034 |
| Total domestic deposits to total assets | 87.3411% | 1,992 |
| Equity capital to assets | 12.3758% | 1,749 |
| Core capital (leverage) ratio | 12.5612% | 1,348 |
| Tier 1 risk-based capital ratio | 18.8201% | 1,836 |
| Total risk-based capital ratio | 20.0899% | 1,800 |
| Memoranda: | ||
| Average total assets | $663,276,670 | 1,047 |
| Average earning assets | $615,816,330 | 1,032 |
| Average equity | $80,731,000 | 954 |
| Average total loans | $417,032,670 | 1,100 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4915% | 4,993 |
| Cost of funding earning assets | 0.3202% | 4,227 |
| Net interest margin | 3.1713% | 4,708 |
| Noninterest income to average assets | 0.6314% | 2,490 |
| Noninterest expense to average assets | 2.5551% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7395% | 3,597 |
| Return on assets (ROA) | 0.7395% | 3,725 |
| Pretax return on assets | 1.0192% | 3,424 |
| Return on Equity (ROE) | 6.1260% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.1260% | 2,416 |
| Net charge-offs to loans | 0.1707% | 1,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.5932% | 1,997 |
| Efficiency ratio | 72.7960% | 3,028 |
| Assets per employee ($millions) | 4.4868% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0170% | 291 |
| Loan loss allowance to noncurrent loans | 65.4876% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 4.3006% | 325 |
| Noncurrent loans to loans | 4.6070% | 329 |
| Net loans and leases to total assets | 60.3062% | 3,608 |
| Net loans and leases to deposits | 68.7273% | 3,887 |
| Net loans and leases to core deposits | 70.4170% | 4,115 |
| Total domestic deposits to total assets | 87.7471% | 1,956 |
| Equity capital to assets | 12.0695% | 1,979 |
| Core capital (leverage) ratio | 12.2874% | 1,467 |
| Tier 1 risk-based capital ratio | 19.4806% | 1,738 |
| Total risk-based capital ratio | 20.7523% | 1,692 |
| Memoranda: | ||
| Average total assets | $666,430,500 | 1,045 |
| Average earning assets | $618,421,000 | 1,034 |
| Average equity | $80,444,000 | 952 |
| Average total loans | $414,704,000 | 1,106 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5711% | 5,163 |
| Cost of funding earning assets | 0.3320% | 4,468 |
| Net interest margin | 3.2390% | 4,797 |
| Noninterest income to average assets | 0.7914% | 1,911 |
| Noninterest expense to average assets | 2.6427% | 4,075 |
| Loan and lease loss provision to assets | 0.9976% | 112 |
| Net operating income to assets | 0.1686% | 5,830 |
| Return on assets (ROA) | 0.1686% | 5,882 |
| Pretax return on assets | 0.1508% | 5,938 |
| Return on Equity (ROE) | 1.4207% | 5,910 |
| Retained earnings to average equity (ytd only) | 0.6630% | 5,463 |
| Net charge-offs to loans | 0.0792% | 3,359 |
| Credit loss provision to net charge-offs | 1,838.9503% | 168 |
| Earnings coverage of net charge-offs (x) | 21.1685% | 1,690 |
| Efficiency ratio | 69.8751% | 3,550 |
| Assets per employee ($millions) | 4.3411% | 3,283 |
| Cash dividends to net income (ytd only)* | 53.3333% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1158% | 262 |
| Loan loss allowance to noncurrent loans | 62.1023% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 4.6840% | 315 |
| Noncurrent loans to loans | 5.0171% | 292 |
| Net loans and leases to total assets | 60.3337% | 3,745 |
| Net loans and leases to deposits | 68.8207% | 4,048 |
| Net loans and leases to core deposits | 70.4955% | 4,279 |
| Total domestic deposits to total assets | 87.6678% | 1,946 |
| Equity capital to assets | 12.0722% | 1,965 |
| Core capital (leverage) ratio | 12.2224% | 1,489 |
| Tier 1 risk-based capital ratio | 19.8740% | 1,619 |
| Total risk-based capital ratio | 21.1473% | 1,590 |
| Memoranda: | ||
| Average total assets | $667,301,600 | 999 |
| Average earning assets | $617,992,200 | 991 |
| Average equity | $79,185,400 | 923 |
| Average total loans | $456,870,000 | 968 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5542% | 5,258 |
| Cost of funding earning assets | 0.3394% | 4,471 |
| Net interest margin | 3.2148% | 4,914 |
| Noninterest income to average assets | 0.6918% | 2,371 |
| Noninterest expense to average assets | 2.4912% | 4,558 |
| Loan and lease loss provision to assets | 1.3264% | 67 |
| Net operating income to assets | -0.0120% | 6,150 |
| Return on assets (ROA) | -0.0120% | 6,166 |
| Pretax return on assets | -0.1476% | 6,233 |
| Return on Equity (ROE) | -0.1012% | 6,164 |
| Retained earnings to average equity (ytd only) | -0.6071% | 5,893 |
| Net charge-offs to loans | 0.1019% | 2,779 |
| Credit loss provision to net charge-offs | 1,859.4972% | 190 |
| Earnings coverage of net charge-offs (x) | 16.5252% | 1,966 |
| Efficiency ratio | 67.8213% | 3,892 |
| Assets per employee ($millions) | 4.3728% | 3,175 |
| Cash dividends to net income (ytd only)* | -499.9875% | 6,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7313% | 475 |
| Loan loss allowance to noncurrent loans | 60.0028% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 4.8635% | 363 |
| Noncurrent loans to loans | 4.5520% | 428 |
| Net loans and leases to total assets | 69.0732% | 2,352 |
| Net loans and leases to deposits | 78.5781% | 2,887 |
| Net loans and leases to core deposits | 80.6377% | 3,233 |
| Total domestic deposits to total assets | 87.9039% | 1,814 |
| Equity capital to assets | 11.8483% | 2,194 |
| Core capital (leverage) ratio | 12.0626% | 1,665 |
| Tier 1 risk-based capital ratio | 19.4065% | 1,797 |
| Total risk-based capital ratio | 20.6794% | 1,767 |
| Memoranda: | ||
| Average total assets | $669,166,000 | 1,011 |
| Average earning assets | $619,908,250 | 999 |
| Average equity | $79,067,250 | 930 |
| Average total loans | $468,359,750 | 951 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5144% | 5,382 |
| Cost of funding earning assets | 0.3449% | 4,481 |
| Net interest margin | 3.1695% | 5,043 |
| Noninterest income to average assets | 0.6761% | 2,399 |
| Noninterest expense to average assets | 2.4977% | 4,584 |
| Loan and lease loss provision to assets | 0.0595% | 3,080 |
| Net operating income to assets | 0.7255% | 3,694 |
| Return on assets (ROA) | 0.7255% | 3,795 |
| Pretax return on assets | 1.0555% | 3,260 |
| Return on Equity (ROE) | 6.1453% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.3891% | 2,705 |
| Net charge-offs to loans | 0.1474% | 2,207 |
| Credit loss provision to net charge-offs | 57.9710% | 2,671 |
| Earnings coverage of net charge-offs (x) | 10.8609% | 2,207 |
| Efficiency ratio | 68.8823% | 3,850 |
| Assets per employee ($millions) | 4.3282% | 3,216 |
| Cash dividends to net income (ytd only)* | 12.3052% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 3,481 |
| Loan loss allowance to noncurrent loans | 109.7826% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 2.6011% | 1,051 |
| Noncurrent loans to loans | 1.2501% | 2,727 |
| Net loans and leases to total assets | 69.0498% | 2,232 |
| Net loans and leases to deposits | 79.0200% | 2,652 |
| Net loans and leases to core deposits | 81.6171% | 3,015 |
| Total domestic deposits to total assets | 87.3826% | 2,255 |
| Equity capital to assets | 12.1950% | 1,855 |
| Core capital (leverage) ratio | 12.2979% | 1,500 |
| Tier 1 risk-based capital ratio | 20.9683% | 1,456 |
| Total risk-based capital ratio | 22.2229% | 1,428 |
| Memoranda: | ||
| Average total assets | $672,125,000 | 1,003 |
| Average earning assets | $622,756,670 | 990 |
| Average equity | $79,345,330 | 920 |
| Average total loans | $468,183,000 | 945 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4648% | 5,514 |
| Cost of funding earning assets | 0.3486% | 4,553 |
| Net interest margin | 3.1161% | 5,189 |
| Noninterest income to average assets | 0.6274% | 2,583 |
| Noninterest expense to average assets | 2.5758% | 4,356 |
| Loan and lease loss provision to assets | 0.1182% | 2,005 |
| Net operating income to assets | 0.5719% | 4,342 |
| Return on assets (ROA) | 0.5719% | 4,417 |
| Pretax return on assets | 0.8218% | 4,020 |
| Return on Equity (ROE) | 4.9238% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.9238% | 3,159 |
| Net charge-offs to loans | 0.0315% | 2,962 |
| Credit loss provision to net charge-offs | 540.5405% | 507 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 839 |
| Efficiency ratio | 72.5592% | 3,385 |
| Assets per employee ($millions) | 4.4725% | 3,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 3,496 |
| Loan loss allowance to noncurrent loans | 100.2103% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 2.7334% | 1,109 |
| Noncurrent loans to loans | 1.4200% | 2,651 |
| Net loans and leases to total assets | 68.4311% | 2,156 |
| Net loans and leases to deposits | 77.8481% | 2,579 |
| Net loans and leases to core deposits | 80.5054% | 2,907 |
| Total domestic deposits to total assets | 87.9033% | 2,287 |
| Equity capital to assets | 11.7397% | 2,066 |
| Core capital (leverage) ratio | 11.9749% | 1,665 |
| Tier 1 risk-based capital ratio | 20.7540% | 1,524 |
| Total risk-based capital ratio | 22.0096% | 1,495 |
| Memoranda: | ||
| Average total assets | $677,077,000 | 1,004 |
| Average earning assets | $627,575,000 | 991 |
| Average equity | $78,639,000 | 929 |
| Average total loans | $470,462,000 | 947 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5430% | 5,551 |
| Cost of funding earning assets | 0.4191% | 4,440 |
| Net interest margin | 3.1239% | 5,245 |
| Noninterest income to average assets | 0.7028% | 2,526 |
| Noninterest expense to average assets | 2.4462% | 4,945 |
| Loan and lease loss provision to assets | 0.3265% | 997 |
| Net operating income to assets | 0.5948% | 4,287 |
| Return on assets (ROA) | 0.5959% | 4,397 |
| Pretax return on assets | 0.8359% | 4,015 |
| Return on Equity (ROE) | 5.2516% | 4,516 |
| Retained earnings to average equity (ytd only) | 4.6036% | 2,879 |
| Net charge-offs to loans | 0.7250% | 890 |
| Credit loss provision to net charge-offs | 69.7017% | 3,315 |
| Earnings coverage of net charge-offs (x) | 2.4782% | 4,187 |
| Efficiency ratio | 65.4938% | 4,652 |
| Assets per employee ($millions) | 4.4367% | 3,015 |
| Cash dividends to net income (ytd only)* | 12.3396% | 3,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 3,754 |
| Loan loss allowance to noncurrent loans | 97.0764% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 2.8140% | 1,154 |
| Noncurrent loans to loans | 1.4200% | 2,760 |
| Net loans and leases to total assets | 68.5906% | 2,239 |
| Net loans and leases to deposits | 77.7548% | 2,753 |
| Net loans and leases to core deposits | 80.3581% | 3,085 |
| Total domestic deposits to total assets | 88.2140% | 2,047 |
| Equity capital to assets | 11.4899% | 2,172 |
| Core capital (leverage) ratio | 11.8781% | 1,693 |
| Tier 1 risk-based capital ratio | 20.4437% | 1,549 |
| Total risk-based capital ratio | 21.6988% | 1,520 |
| Memoranda: | ||
| Average total assets | $679,950,800 | 980 |
| Average earning assets | $632,122,600 | 959 |
| Average equity | $77,156,800 | 922 |
| Average total loans | $439,339,200 | 974 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5564% | 5,565 |
| Cost of funding earning assets | 0.4349% | 4,452 |
| Net interest margin | 3.1215% | 5,261 |
| Noninterest income to average assets | 0.8228% | 2,046 |
| Noninterest expense to average assets | 2.4716% | 4,804 |
| Loan and lease loss provision to assets | 0.3234% | 1,030 |
| Net operating income to assets | 0.6287% | 4,225 |
| Return on assets (ROA) | 0.6302% | 4,343 |
| Pretax return on assets | 0.9351% | 3,739 |
| Return on Equity (ROE) | 5.5708% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.1376% | 2,980 |
| Net charge-offs to loans | 0.9921% | 574 |
| Credit loss provision to net charge-offs | 51.4339% | 3,466 |
| Earnings coverage of net charge-offs (x) | 1.9981% | 4,159 |
| Efficiency ratio | 63.7592% | 4,844 |
| Assets per employee ($millions) | 4.3231% | 3,179 |
| Cash dividends to net income (ytd only)* | 7.7762% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 4,429 |
| Loan loss allowance to noncurrent loans | 91.0981% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 3.2016% | 1,122 |
| Noncurrent loans to loans | 1.4196% | 3,040 |
| Net loans and leases to total assets | 67.3760% | 2,399 |
| Net loans and leases to deposits | 76.4929% | 2,883 |
| Net loans and leases to core deposits | 79.4103% | 3,188 |
| Total domestic deposits to total assets | 88.0814% | 2,077 |
| Equity capital to assets | 11.5947% | 2,228 |
| Core capital (leverage) ratio | 11.8272% | 1,791 |
| Tier 1 risk-based capital ratio | 20.7699% | 1,538 |
| Total risk-based capital ratio | 22.0236% | 1,511 |
| Memoranda: | ||
| Average total assets | $680,235,250 | 986 |
| Average earning assets | $633,089,250 | 965 |
| Average equity | $76,947,250 | 938 |
| Average total loans | $431,146,500 | 991 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 5,586 |
| Cost of funding earning assets | 0.4518% | 4,412 |
| Net interest margin | 3.0991% | 5,280 |
| Noninterest income to average assets | 0.8724% | 1,915 |
| Noninterest expense to average assets | 2.4794% | 4,807 |
| Loan and lease loss provision to assets | 0.3072% | 1,160 |
| Net operating income to assets | 0.6395% | 4,114 |
| Return on assets (ROA) | 0.6416% | 4,244 |
| Pretax return on assets | 0.9810% | 3,599 |
| Return on Equity (ROE) | 5.7185% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.0666% | 3,008 |
| Net charge-offs to loans | 0.6596% | 993 |
| Credit loss provision to net charge-offs | 75.3769% | 2,714 |
| Earnings coverage of net charge-offs (x) | 3.1529% | 3,473 |
| Efficiency ratio | 63.1538% | 4,998 |
| Assets per employee ($millions) | 4.2430% | 3,264 |
| Cash dividends to net income (ytd only)* | 11.3999% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7103% | 2,742 |
| Loan loss allowance to noncurrent loans | 77.0978% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 3.8622% | 926 |
| Noncurrent loans to loans | 2.2183% | 2,152 |
| Net loans and leases to total assets | 60.7368% | 3,530 |
| Net loans and leases to deposits | 68.8183% | 3,887 |
| Net loans and leases to core deposits | 71.5809% | 4,099 |
| Total domestic deposits to total assets | 88.2568% | 2,070 |
| Equity capital to assets | 11.4379% | 2,346 |
| Core capital (leverage) ratio | 11.5827% | 1,866 |
| Tier 1 risk-based capital ratio | 20.8215% | 1,537 |
| Total risk-based capital ratio | 22.0795% | 1,505 |
| Memoranda: | ||
| Average total assets | $683,620,000 | 976 |
| Average earning assets | $637,933,330 | 960 |
| Average equity | $76,698,330 | 944 |
| Average total loans | $422,399,000 | 1,009 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5574% | 5,567 |
| Cost of funding earning assets | 0.4749% | 4,327 |
| Net interest margin | 3.0825% | 5,326 |
| Noninterest income to average assets | 0.7377% | 2,388 |
| Noninterest expense to average assets | 2.3915% | 5,151 |
| Loan and lease loss provision to assets | 0.3488% | 941 |
| Net operating income to assets | 0.6250% | 4,101 |
| Return on assets (ROA) | 0.6296% | 4,236 |
| Pretax return on assets | 0.8906% | 3,794 |
| Return on Equity (ROE) | 5.6653% | 4,214 |
| Retained earnings to average equity (ytd only) | 5.6653% | 2,855 |
| Net charge-offs to loans | 0.8251% | 726 |
| Credit loss provision to net charge-offs | 68.4151% | 2,318 |
| Earnings coverage of net charge-offs (x) | 2.4185% | 3,036 |
| Efficiency ratio | 65.9824% | 4,662 |
| Assets per employee ($millions) | 4.3293% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6648% | 3,156 |
| Loan loss allowance to noncurrent loans | 49.6071% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 3.7798% | 1,091 |
| Noncurrent loans to loans | 3.3559% | 1,443 |
| Net loans and leases to total assets | 61.7484% | 3,114 |
| Net loans and leases to deposits | 69.7249% | 3,536 |
| Net loans and leases to core deposits | 72.8345% | 3,724 |
| Total domestic deposits to total assets | 88.5600% | 1,968 |
| Equity capital to assets | 11.1795% | 2,765 |
| Core capital (leverage) ratio | 11.1673% | 2,119 |
| Tier 1 risk-based capital ratio | 20.2910% | 1,702 |
| Total risk-based capital ratio | 21.5490% | 1,674 |
| Memoranda: | ||
| Average total assets | $688,108,000 | 977 |
| Average earning assets | $644,409,500 | 949 |
| Average equity | $76,465,000 | 955 |
| Average total loans | $425,155,000 | 1,004 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 5,353 |
| Cost of funding earning assets | 0.6228% | 4,153 |
| Net interest margin | 3.3639% | 5,024 |
| Noninterest income to average assets | 0.8303% | 2,130 |
| Noninterest expense to average assets | 2.3787% | 5,476 |
| Loan and lease loss provision to assets | 0.6240% | 866 |
| Net operating income to assets | 0.6702% | 3,881 |
| Return on assets (ROA) | 0.6786% | 4,107 |
| Pretax return on assets | 0.9863% | 3,591 |
| Return on Equity (ROE) | 6.1129% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.2431% | 2,543 |
| Net charge-offs to loans | 1.2415% | 800 |
| Credit loss provision to net charge-offs | 77.0077% | 3,928 |
| Earnings coverage of net charge-offs (x) | 1.9723% | 4,432 |
| Efficiency ratio | 59.8140% | 5,569 |
| Assets per employee ($millions) | 4.3812% | 3,189 |
| Cash dividends to net income (ytd only)* | 14.2294% | 3,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 2,629 |
| Loan loss allowance to noncurrent loans | 39.1523% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 4.0641% | 1,048 |
| Noncurrent loans to loans | 4.5656% | 929 |
| Net loans and leases to total assets | 59.6912% | 3,655 |
| Net loans and leases to deposits | 67.2985% | 4,084 |
| Net loans and leases to core deposits | 70.5905% | 4,218 |
| Total domestic deposits to total assets | 88.6962% | 1,770 |
| Equity capital to assets | 11.0451% | 2,896 |
| Core capital (leverage) ratio | 11.1214% | 2,149 |
| Tier 1 risk-based capital ratio | 19.1927% | 1,904 |
| Total risk-based capital ratio | 20.4511% | 1,875 |
| Memoranda: | ||
| Average total assets | $673,104,600 | 973 |
| Average earning assets | $629,593,200 | 952 |
| Average equity | $74,727,400 | 948 |
| Average total loans | $439,304,200 | 950 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0428% | 5,384 |
| Cost of funding earning assets | 0.6470% | 4,220 |
| Net interest margin | 3.3958% | 5,047 |
| Noninterest income to average assets | 0.8039% | 2,220 |
| Noninterest expense to average assets | 2.3819% | 5,450 |
| Loan and lease loss provision to assets | 0.6274% | 846 |
| Net operating income to assets | 0.6656% | 4,062 |
| Return on assets (ROA) | 0.6710% | 4,308 |
| Pretax return on assets | 0.9803% | 3,788 |
| Return on Equity (ROE) | 6.0362% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.6779% | 2,909 |
| Net charge-offs to loans | 0.4498% | 2,308 |
| Credit loss provision to net charge-offs | 210.0000% | 1,317 |
| Earnings coverage of net charge-offs (x) | 5.3547% | 3,044 |
| Efficiency ratio | 59.8219% | 5,528 |
| Assets per employee ($millions) | 4.4366% | 3,025 |
| Cash dividends to net income (ytd only)* | 5.9365% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4223% | 1,316 |
| Loan loss allowance to noncurrent loans | 53.9009% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 4.1375% | 1,160 |
| Noncurrent loans to loans | 4.4940% | 1,047 |
| Net loans and leases to total assets | 60.7870% | 3,615 |
| Net loans and leases to deposits | 68.4519% | 4,106 |
| Net loans and leases to core deposits | 71.9074% | 4,265 |
| Total domestic deposits to total assets | 88.8024% | 1,534 |
| Equity capital to assets | 11.0654% | 3,191 |
| Core capital (leverage) ratio | 11.0985% | 2,301 |
| Tier 1 risk-based capital ratio | 18.8643% | 2,052 |
| Total risk-based capital ratio | 20.1309% | 2,014 |
| Memoranda: | ||
| Average total assets | $669,418,250 | 988 |
| Average earning assets | $626,452,250 | 968 |
| Average equity | $74,415,750 | 955 |
| Average total loans | $444,615,500 | 937 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 5,294 |
| Cost of funding earning assets | 0.6690% | 4,284 |
| Net interest margin | 3.4393% | 4,928 |
| Noninterest income to average assets | 0.7794% | 2,297 |
| Noninterest expense to average assets | 2.4247% | 5,368 |
| Loan and lease loss provision to assets | 0.6332% | 918 |
| Net operating income to assets | 0.6350% | 4,196 |
| Return on assets (ROA) | 0.6350% | 4,442 |
| Pretax return on assets | 0.9332% | 3,953 |
| Return on Equity (ROE) | 5.7029% | 4,475 |
| Retained earnings to average equity (ytd only) | 5.1613% | 3,180 |
| Net charge-offs to loans | 0.6093% | 1,798 |
| Credit loss provision to net charge-offs | 153.1729% | 1,806 |
| Earnings coverage of net charge-offs (x) | 3.7892% | 3,266 |
| Efficiency ratio | 60.7539% | 5,458 |
| Assets per employee ($millions) | 4.3700% | 3,135 |
| Cash dividends to net income (ytd only)* | 9.4967% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1509% | 1,881 |
| Loan loss allowance to noncurrent loans | 52.5742% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 4.3125% | 1,156 |
| Noncurrent loans to loans | 4.0911% | 1,339 |
| Net loans and leases to total assets | 63.9219% | 3,053 |
| Net loans and leases to deposits | 71.9953% | 3,611 |
| Net loans and leases to core deposits | 75.2965% | 3,840 |
| Total domestic deposits to total assets | 88.7861% | 1,647 |
| Equity capital to assets | 11.1146% | 3,002 |
| Core capital (leverage) ratio | 11.1415% | 2,169 |
| Tier 1 risk-based capital ratio | 18.0452% | 2,275 |
| Total risk-based capital ratio | 19.3082% | 2,244 |
| Memoranda: | ||
| Average total assets | $663,335,330 | 993 |
| Average earning assets | $619,421,670 | 975 |
| Average equity | $73,856,670 | 954 |
| Average total loans | $450,024,330 | 923 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1843% | 5,163 |
| Cost of funding earning assets | 0.6918% | 4,352 |
| Net interest margin | 3.4925% | 4,743 |
| Noninterest income to average assets | 0.7016% | 2,656 |
| Noninterest expense to average assets | 2.4868% | 5,188 |
| Loan and lease loss provision to assets | 0.6378% | 872 |
| Net operating income to assets | 0.5813% | 4,434 |
| Return on assets (ROA) | 0.5813% | 4,656 |
| Pretax return on assets | 0.8334% | 4,285 |
| Return on Equity (ROE) | 5.2163% | 4,684 |
| Retained earnings to average equity (ytd only) | 5.2163% | 3,424 |
| Net charge-offs to loans | 0.2100% | 2,869 |
| Credit loss provision to net charge-offs | 439.3305% | 732 |
| Earnings coverage of net charge-offs (x) | 10.1339% | 1,781 |
| Efficiency ratio | 62.8300% | 5,132 |
| Assets per employee ($millions) | 4.3259% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1001% | 2,104 |
| Loan loss allowance to noncurrent loans | 41.4606% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 4.9313% | 1,065 |
| Noncurrent loans to loans | 5.0653% | 1,103 |
| Net loans and leases to total assets | 66.7425% | 2,341 |
| Net loans and leases to deposits | 75.1699% | 2,948 |
| Net loans and leases to core deposits | 78.7435% | 3,225 |
| Total domestic deposits to total assets | 88.7889% | 1,821 |
| Equity capital to assets | 11.0818% | 2,812 |
| Core capital (leverage) ratio | 11.1773% | 2,125 |
| Tier 1 risk-based capital ratio | 17.5011% | 2,473 |
| Total risk-based capital ratio | 18.7638% | 2,439 |
| Memoranda: | ||
| Average total assets | $658,514,000 | 1,002 |
| Average earning assets | $614,009,000 | 974 |
| Average equity | $73,385,500 | 951 |
| Average total loans | $455,218,500 | 906 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 5,351 |
| Cost of funding earning assets | 0.8346% | 4,591 |
| Net interest margin | 3.5841% | 4,793 |
| Noninterest income to average assets | 0.6938% | 2,636 |
| Noninterest expense to average assets | 2.6096% | 5,056 |
| Loan and lease loss provision to assets | 0.5385% | 1,952 |
| Net operating income to assets | 0.6275% | 3,844 |
| Return on assets (ROA) | 0.6275% | 4,044 |
| Pretax return on assets | 0.8886% | 3,645 |
| Return on Equity (ROE) | 5.5930% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.3106% | 2,441 |
| Net charge-offs to loans | 0.7001% | 2,404 |
| Credit loss provision to net charge-offs | 111.4754% | 2,985 |
| Earnings coverage of net charge-offs (x) | 2.9544% | 3,729 |
| Efficiency ratio | 64.6004% | 5,020 |
| Assets per employee ($millions) | 4.0933% | 3,657 |
| Cash dividends to net income (ytd only)* | 5.0480% | 3,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9127% | 2,527 |
| Loan loss allowance to noncurrent loans | 32.7824% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 5.2491% | 995 |
| Noncurrent loans to loans | 5.8345% | 871 |
| Net loans and leases to total assets | 68.7637% | 2,260 |
| Net loans and leases to deposits | 77.5044% | 2,919 |
| Net loans and leases to core deposits | 80.9282% | 3,324 |
| Total domestic deposits to total assets | 88.7222% | 1,704 |
| Equity capital to assets | 11.2079% | 2,787 |
| Core capital (leverage) ratio | 11.5726% | 1,833 |
| Tier 1 risk-based capital ratio | 17.0927% | 2,557 |
| Total risk-based capital ratio | 18.3528% | 2,513 |
| Memoranda: | ||
| Average total assets | $631,437,600 | 1,026 |
| Average earning assets | $588,936,600 | 1,004 |
| Average equity | $70,838,800 | 947 |
| Average total loans | $435,681,000 | 956 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4258% | 5,520 |
| Cost of funding earning assets | 0.8655% | 4,662 |
| Net interest margin | 3.5603% | 4,940 |
| Noninterest income to average assets | 0.6156% | 3,077 |
| Noninterest expense to average assets | 2.5394% | 5,315 |
| Loan and lease loss provision to assets | 0.5107% | 1,937 |
| Net operating income to assets | 0.6407% | 3,917 |
| Return on assets (ROA) | 0.6407% | 4,100 |
| Pretax return on assets | 0.8899% | 3,807 |
| Return on Equity (ROE) | 5.7096% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.7096% | 2,740 |
| Net charge-offs to loans | 0.7640% | 2,037 |
| Credit loss provision to net charge-offs | 97.2842% | 3,520 |
| Earnings coverage of net charge-offs (x) | 2.6680% | 3,786 |
| Efficiency ratio | 64.4038% | 4,996 |
| Assets per employee ($millions) | 4.0990% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9379% | 2,508 |
| Loan loss allowance to noncurrent loans | 29.2122% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 5.6132% | 983 |
| Noncurrent loans to loans | 6.6340% | 787 |
| Net loans and leases to total assets | 67.0495% | 2,667 |
| Net loans and leases to deposits | 75.9741% | 3,335 |
| Net loans and leases to core deposits | 79.1975% | 3,747 |
| Total domestic deposits to total assets | 88.2532% | 1,895 |
| Equity capital to assets | 11.5284% | 2,652 |
| Core capital (leverage) ratio | 11.6404% | 1,928 |
| Tier 1 risk-based capital ratio | 17.1448% | 2,589 |
| Total risk-based capital ratio | 18.4038% | 2,546 |
| Memoranda: | ||
| Average total assets | $626,587,500 | 1,044 |
| Average earning assets | $585,072,250 | 1,013 |
| Average equity | $70,312,250 | 966 |
| Average total loans | $430,534,500 | 983 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 5,626 |
| Cost of funding earning assets | 0.8958% | 4,705 |
| Net interest margin | 3.5231% | 5,057 |
| Noninterest income to average assets | 0.4927% | 3,926 |
| Noninterest expense to average assets | 2.5977% | 5,195 |
| Loan and lease loss provision to assets | 0.3831% | 2,504 |
| Net operating income to assets | 0.5642% | 4,243 |
| Return on assets (ROA) | 0.5642% | 4,369 |
| Pretax return on assets | 0.7966% | 4,045 |
| Return on Equity (ROE) | 5.0740% | 4,415 |
| Retained earnings to average equity (ytd only) | 5.0740% | 2,956 |
| Net charge-offs to loans | 0.8170% | 1,869 |
| Credit loss provision to net charge-offs | 68.1431% | 4,108 |
| Earnings coverage of net charge-offs (x) | 2.0982% | 3,802 |
| Efficiency ratio | 68.7178% | 4,385 |
| Assets per employee ($millions) | 3.8760% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8584% | 2,804 |
| Loan loss allowance to noncurrent loans | 26.6567% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 5.8286% | 974 |
| Noncurrent loans to loans | 6.9717% | 746 |
| Net loans and leases to total assets | 67.3985% | 2,736 |
| Net loans and leases to deposits | 76.3979% | 3,396 |
| Net loans and leases to core deposits | 79.7669% | 3,814 |
| Total domestic deposits to total assets | 88.2204% | 2,001 |
| Equity capital to assets | 11.5698% | 2,444 |
| Core capital (leverage) ratio | 11.4709% | 1,931 |
| Tier 1 risk-based capital ratio | 17.0778% | 2,486 |
| Total risk-based capital ratio | 18.3358% | 2,458 |
| Memoranda: | ||
| Average total assets | $626,401,000 | 1,054 |
| Average earning assets | $584,032,330 | 1,024 |
| Average equity | $69,649,670 | 972 |
| Average total loans | $431,109,670 | 1,000 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4117% | 5,651 |
| Cost of funding earning assets | 0.9237% | 4,756 |
| Net interest margin | 3.4880% | 5,064 |
| Noninterest income to average assets | 0.4181% | 4,560 |
| Noninterest expense to average assets | 2.6435% | 5,064 |
| Loan and lease loss provision to assets | 0.3789% | 2,293 |
| Net operating income to assets | 0.6246% | 3,895 |
| Return on assets (ROA) | 0.6246% | 3,963 |
| Pretax return on assets | 0.6435% | 4,519 |
| Return on Equity (ROE) | 5.7294% | 4,052 |
| Retained earnings to average equity (ytd only) | 5.7294% | 2,786 |
| Net charge-offs to loans | 0.1769% | 3,436 |
| Credit loss provision to net charge-offs | 310.8808% | 1,038 |
| Earnings coverage of net charge-offs (x) | 8.3886% | 1,827 |
| Efficiency ratio | 72.0586% | 3,850 |
| Assets per employee ($millions) | 3.9575% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9813% | 2,464 |
| Loan loss allowance to noncurrent loans | 33.6461% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 5.1917% | 1,210 |
| Noncurrent loans to loans | 5.8887% | 1,090 |
| Net loans and leases to total assets | 69.4971% | 2,221 |
| Net loans and leases to deposits | 78.3413% | 3,000 |
| Net loans and leases to core deposits | 82.1151% | 3,439 |
| Total domestic deposits to total assets | 88.7107% | 1,952 |
| Equity capital to assets | 11.1276% | 2,559 |
| Core capital (leverage) ratio | 11.1521% | 2,073 |
| Tier 1 risk-based capital ratio | 16.6026% | 2,620 |
| Total risk-based capital ratio | 17.8630% | 2,593 |
| Memoranda: | ||
| Average total assets | $633,395,000 | 1,052 |
| Average earning assets | $589,795,500 | 1,018 |
| Average equity | $69,047,000 | 971 |
| Average total loans | $436,378,000 | 1,000 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 5,505 |
| Cost of funding earning assets | 1.1817% | 4,666 |
| Net interest margin | 3.5937% | 4,850 |
| Noninterest income to average assets | 0.9367% | 1,718 |
| Noninterest expense to average assets | 2.5771% | 5,514 |
| Loan and lease loss provision to assets | 2.3393% | 507 |
| Net operating income to assets | -0.3035% | 6,223 |
| Return on assets (ROA) | -0.3035% | 6,261 |
| Pretax return on assets | -0.6381% | 6,422 |
| Return on Equity (ROE) | -2.8056% | 6,262 |
| Retained earnings to average equity (ytd only) | -3.0977% | 6,104 |
| Net charge-offs to loans | 2.6796% | 680 |
| Credit loss provision to net charge-offs | 124.7746% | 3,296 |
| Earnings coverage of net charge-offs (x) | 0.9074% | 5,206 |
| Efficiency ratio | 60.1920% | 6,020 |
| Assets per employee ($millions) | 4.1122% | 3,556 |
| Cash dividends to net income (ytd only)* | -10.4112% | 7,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9508% | 2,419 |
| Loan loss allowance to noncurrent loans | 34.2856% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 5.0157% | 1,270 |
| Noncurrent loans to loans | 5.6898% | 1,131 |
| Net loans and leases to total assets | 65.6332% | 3,540 |
| Net loans and leases to deposits | 73.7487% | 4,236 |
| Net loans and leases to core deposits | 78.0736% | 4,455 |
| Total domestic deposits to total assets | 88.9957% | 1,664 |
| Equity capital to assets | 10.6804% | 2,979 |
| Core capital (leverage) ratio | 10.9524% | 2,196 |
| Tier 1 risk-based capital ratio | 16.0924% | 2,706 |
| Total risk-based capital ratio | 17.3472% | 2,661 |
| Memoranda: | ||
| Average total assets | $632,966,000 | 1,065 |
| Average earning assets | $588,563,200 | 1,027 |
| Average equity | $68,470,400 | 981 |
| Average total loans | $442,862,800 | 1,015 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 5,624 |
| Cost of funding earning assets | 1.2347% | 4,654 |
| Net interest margin | 3.5738% | 4,995 |
| Noninterest income to average assets | 0.8442% | 2,019 |
| Noninterest expense to average assets | 2.5536% | 5,497 |
| Loan and lease loss provision to assets | 2.7491% | 349 |
| Net operating income to assets | -0.5783% | 6,651 |
| Return on assets (ROA) | -0.5783% | 6,699 |
| Pretax return on assets | -1.1324% | 6,914 |
| Return on Equity (ROE) | -5.3286% | 6,672 |
| Retained earnings to average equity (ytd only) | -5.7181% | 6,611 |
| Net charge-offs to loans | 2.4421% | 697 |
| Credit loss provision to net charge-offs | 159.1460% | 2,389 |
| Earnings coverage of net charge-offs (x) | 0.9359% | 5,128 |
| Efficiency ratio | 61.1880% | 5,758 |
| Assets per employee ($millions) | 3.9935% | 3,851 |
| Cash dividends to net income (ytd only)* | -7.3099% | 7,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3322% | 1,573 |
| Loan loss allowance to noncurrent loans | 44.3212% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 4.7923% | 1,374 |
| Noncurrent loans to loans | 5.2621% | 1,289 |
| Net loans and leases to total assets | 68.6026% | 3,071 |
| Net loans and leases to deposits | 77.2357% | 3,969 |
| Net loans and leases to core deposits | 82.0500% | 4,240 |
| Total domestic deposits to total assets | 88.8223% | 1,496 |
| Equity capital to assets | 10.8925% | 3,061 |
| Core capital (leverage) ratio | 10.8122% | 2,405 |
| Tier 1 risk-based capital ratio | 15.6201% | 2,943 |
| Total risk-based capital ratio | 16.8840% | 2,897 |
| Memoranda: | ||
| Average total assets | $630,831,250 | 1,068 |
| Average earning assets | $587,110,750 | 1,033 |
| Average equity | $68,459,250 | 976 |
| Average total loans | $446,224,250 | 1,014 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7933% | 5,819 |
| Cost of funding earning assets | 1.2869% | 4,615 |
| Net interest margin | 3.5065% | 5,221 |
| Noninterest income to average assets | 0.6749% | 2,850 |
| Noninterest expense to average assets | 2.4378% | 5,951 |
| Loan and lease loss provision to assets | 3.4826% | 251 |
| Net operating income to assets | -1.0900% | 6,982 |
| Return on assets (ROA) | -1.0900% | 6,998 |
| Pretax return on assets | -1.9851% | 7,232 |
| Return on Equity (ROE) | -10.0563% | 6,971 |
| Retained earnings to average equity (ytd only) | -10.6401% | 6,941 |
| Net charge-offs to loans | 1.5851% | 1,194 |
| Credit loss provision to net charge-offs | 309.8818% | 1,180 |
| Earnings coverage of net charge-offs (x) | 1.3325% | 4,495 |
| Efficiency ratio | 61.8990% | 5,708 |
| Assets per employee ($millions) | 3.9424% | 3,876 |
| Cash dividends to net income (ytd only)* | -5.8055% | 7,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9697% | 844 |
| Loan loss allowance to noncurrent loans | 50.3810% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 5.1863% | 1,221 |
| Noncurrent loans to loans | 5.8944% | 1,094 |
| Net loans and leases to total assets | 67.2032% | 3,571 |
| Net loans and leases to deposits | 75.4833% | 4,425 |
| Net loans and leases to core deposits | 82.8432% | 4,306 |
| Total domestic deposits to total assets | 89.0305% | 1,424 |
| Equity capital to assets | 10.7438% | 3,133 |
| Core capital (leverage) ratio | 11.2068% | 2,101 |
| Tier 1 risk-based capital ratio | 15.3857% | 2,962 |
| Total risk-based capital ratio | 16.6568% | 2,915 |
| Memoranda: | ||
| Average total assets | $632,114,670 | 1,070 |
| Average earning assets | $587,773,330 | 1,043 |
| Average equity | $68,514,330 | 970 |
| Average total loans | $448,167,000 | 1,017 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 5,936 |
| Cost of funding earning assets | 1.3159% | 4,720 |
| Net interest margin | 3.4709% | 5,282 |
| Noninterest income to average assets | 0.7455% | 2,322 |
| Noninterest expense to average assets | 2.4161% | 6,029 |
| Loan and lease loss provision to assets | 5.1718% | 146 |
| Net operating income to assets | -2.0789% | 7,480 |
| Return on assets (ROA) | -2.0789% | 7,484 |
| Pretax return on assets | -3.6128% | 7,651 |
| Return on Equity (ROE) | -19.0975% | 7,423 |
| Retained earnings to average equity (ytd only) | -20.2553% | 7,382 |
| Net charge-offs to loans | 0.0395% | 5,023 |
| Credit loss provision to net charge-offs | 18,237.7778% | 24 |
| Earnings coverage of net charge-offs (x) | 54.9778% | 530 |
| Efficiency ratio | 60.7324% | 6,049 |
| Assets per employee ($millions) | 4.1109% | 3,629 |
| Cash dividends to net income (ytd only)* | -6.0624% | 7,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1007% | 757 |
| Loan loss allowance to noncurrent loans | 56.6549% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 5.4559% | 1,132 |
| Noncurrent loans to loans | 5.4729% | 1,285 |
| Net loans and leases to total assets | 67.1348% | 3,594 |
| Net loans and leases to deposits | 75.2274% | 4,544 |
| Net loans and leases to core deposits | 82.1247% | 4,473 |
| Total domestic deposits to total assets | 89.2425% | 1,401 |
| Equity capital to assets | 10.6392% | 3,108 |
| Core capital (leverage) ratio | 10.6452% | 2,502 |
| Tier 1 risk-based capital ratio | 15.2397% | 2,986 |
| Total risk-based capital ratio | 16.5122% | 2,941 |
| Memoranda: | ||
| Average total assets | $634,748,000 | 1,090 |
| Average earning assets | $590,617,500 | 1,062 |
| Average equity | $69,098,000 | 967 |
| Average total loans | $455,173,000 | 1,033 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3673% | 4,851 |
| Cost of funding earning assets | 1.9049% | 3,442 |
| Net interest margin | 3.4624% | 5,119 |
| Noninterest income to average assets | 1.1786% | 1,110 |
| Noninterest expense to average assets | 2.4242% | 6,395 |
| Loan and lease loss provision to assets | 0.7570% | 2,842 |
| Net operating income to assets | 0.8742% | 2,264 |
| Return on assets (ROA) | 0.8742% | 2,328 |
| Pretax return on assets | 1.2159% | 1,914 |
| Return on Equity (ROE) | 7.8053% | 2,460 |
| Retained earnings to average equity (ytd only) | 6.8796% | 1,010 |
| Net charge-offs to loans | 0.9265% | 2,537 |
| Credit loss provision to net charge-offs | 108.2353% | 5,116 |
| Earnings coverage of net charge-offs (x) | 2.8209% | 3,680 |
| Efficiency ratio | 55.0861% | 7,118 |
| Assets per employee ($millions) | 4.0536% | 3,703 |
| Cash dividends to net income (ytd only)* | 11.8599% | 3,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 5,631 |
| Loan loss allowance to noncurrent loans | 21.2624% | 6,999 |
| Noncurrent assets plus other real estate owned to assets | 4.5996% | 1,393 |
| Noncurrent loans to loans | 5.4206% | 1,202 |
| Net loans and leases to total assets | 73.2684% | 2,432 |
| Net loans and leases to deposits | 82.5407% | 3,538 |
| Net loans and leases to core deposits | 102.2644% | 3,778 |
| Total domestic deposits to total assets | 88.7664% | 1,588 |
| Equity capital to assets | 11.1313% | 2,600 |
| Core capital (leverage) ratio | 11.4131% | 1,965 |
| Tier 1 risk-based capital ratio | 15.6199% | 2,665 |
| Total risk-based capital ratio | 16.8167% | 2,635 |
| Memoranda: | ||
| Average total assets | $607,676,000 | 1,142 |
| Average earning assets | $564,864,200 | 1,114 |
| Average equity | $68,056,400 | 967 |
| Average total loans | $458,728,200 | 1,049 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4723% | 4,568 |
| Cost of funding earning assets | 2.0102% | 3,304 |
| Net interest margin | 3.4621% | 5,018 |
| Noninterest income to average assets | 1.2871% | 931 |
| Noninterest expense to average assets | 2.4550% | 6,230 |
| Loan and lease loss provision to assets | 0.6439% | 2,825 |
| Net operating income to assets | 1.0005% | 2,053 |
| Return on assets (ROA) | 1.0005% | 2,115 |
| Pretax return on assets | 1.4024% | 1,689 |
| Return on Equity (ROE) | 8.9190% | 2,292 |
| Retained earnings to average equity (ytd only) | 7.6720% | 1,243 |
| Net charge-offs to loans | 0.4613% | 3,384 |
| Credit loss provision to net charge-offs | 184.0102% | 2,478 |
| Earnings coverage of net charge-offs (x) | 5.8477% | 2,718 |
| Efficiency ratio | 54.4961% | 7,179 |
| Assets per employee ($millions) | 4.0065% | 3,722 |
| Cash dividends to net income (ytd only)* | 13.9814% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 4,126 |
| Loan loss allowance to noncurrent loans | 27.0206% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 4.2951% | 1,441 |
| Noncurrent loans to loans | 5.0581% | 1,291 |
| Net loans and leases to total assets | 74.0358% | 2,507 |
| Net loans and leases to deposits | 83.6303% | 3,707 |
| Net loans and leases to core deposits | 108.0638% | 3,463 |
| Total domestic deposits to total assets | 88.5275% | 1,422 |
| Equity capital to assets | 11.1067% | 2,917 |
| Core capital (leverage) ratio | 11.3843% | 2,132 |
| Tier 1 risk-based capital ratio | 15.4512% | 2,849 |
| Total risk-based capital ratio | 16.7033% | 2,787 |
| Memoranda: | ||
| Average total assets | $600,489,250 | 1,163 |
| Average earning assets | $557,487,500 | 1,145 |
| Average equity | $67,360,000 | 991 |
| Average total loans | $455,476,750 | 1,068 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6095% | 4,022 |
| Cost of funding earning assets | 2.0980% | 3,274 |
| Net interest margin | 3.5115% | 4,751 |
| Noninterest income to average assets | 1.3861% | 795 |
| Noninterest expense to average assets | 2.5301% | 6,015 |
| Loan and lease loss provision to assets | 0.6753% | 2,406 |
| Net operating income to assets | 1.0012% | 2,102 |
| Return on assets (ROA) | 1.0012% | 2,197 |
| Pretax return on assets | 1.4185% | 1,671 |
| Return on Equity (ROE) | 8.8941% | 2,398 |
| Retained earnings to average equity (ytd only) | 7.5742% | 1,364 |
| Net charge-offs to loans | -0.0058% | 7,541 |
| Credit loss provision to net charge-offs | -15,384.6154% | 7,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6882% | 7,259 |
| Assets per employee ($millions) | 3.8277% | 4,032 |
| Cash dividends to net income (ytd only)* | 14.8398% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 2,854 |
| Loan loss allowance to noncurrent loans | 30.5603% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 4.4130% | 1,284 |
| Noncurrent loans to loans | 5.1473% | 1,170 |
| Net loans and leases to total assets | 73.9368% | 2,713 |
| Net loans and leases to deposits | 83.5972% | 3,953 |
| Net loans and leases to core deposits | 106.4693% | 3,777 |
| Total domestic deposits to total assets | 88.4441% | 1,551 |
| Equity capital to assets | 11.2288% | 2,733 |
| Core capital (leverage) ratio | 11.3730% | 2,148 |
| Tier 1 risk-based capital ratio | 15.5143% | 2,806 |
| Total risk-based capital ratio | 16.7687% | 2,736 |
| Memoranda: | ||
| Average total assets | $592,312,670 | 1,200 |
| Average earning assets | $546,142,670 | 1,184 |
| Average equity | $66,673,670 | 1,009 |
| Average total loans | $450,919,000 | 1,104 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7557% | 3,499 |
| Cost of funding earning assets | 2.1631% | 3,357 |
| Net interest margin | 3.5927% | 4,341 |
| Noninterest income to average assets | 1.1694% | 1,070 |
| Noninterest expense to average assets | 2.4925% | 5,867 |
| Loan and lease loss provision to assets | 0.4082% | 2,878 |
| Net operating income to assets | 1.0667% | 2,079 |
| Return on assets (ROA) | 1.0667% | 2,212 |
| Pretax return on assets | 1.5408% | 1,562 |
| Return on Equity (ROE) | 9.4642% | 2,547 |
| Retained earnings to average equity (ytd only) | 8.3174% | 1,698 |
| Net charge-offs to loans | -0.0763% | 7,812 |
| Credit loss provision to net charge-offs | -697.6744% | 6,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0729% | 6,963 |
| Assets per employee ($millions) | 3.9655% | 3,737 |
| Cash dividends to net income (ytd only)* | 12.1173% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 4,452 |
| Loan loss allowance to noncurrent loans | 36.9725% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 3.0775% | 1,837 |
| Noncurrent loans to loans | 3.3764% | 1,898 |
| Net loans and leases to total assets | 75.7798% | 2,324 |
| Net loans and leases to deposits | 85.6538% | 3,692 |
| Net loans and leases to core deposits | 110.0180% | 3,435 |
| Total domestic deposits to total assets | 88.4722% | 1,501 |
| Equity capital to assets | 11.1291% | 2,870 |
| Core capital (leverage) ratio | 11.5048% | 2,145 |
| Tier 1 risk-based capital ratio | 15.2194% | 2,961 |
| Total risk-based capital ratio | 16.4699% | 2,915 |
| Memoranda: | ||
| Average total assets | $587,996,000 | 1,213 |
| Average earning assets | $535,534,500 | 1,212 |
| Average equity | $66,271,000 | 1,019 |
| Average total loans | $450,668,000 | 1,115 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0126% | 5,488 |
| Cost of funding earning assets | 2.6704% | 3,314 |
| Net interest margin | 3.3422% | 5,894 |
| Noninterest income to average assets | 0.6760% | 3,287 |
| Noninterest expense to average assets | 2.4715% | 6,124 |
| Loan and lease loss provision to assets | 0.2932% | 4,039 |
| Net operating income to assets | 0.8354% | 3,284 |
| Return on assets (ROA) | 0.8354% | 3,125 |
| Pretax return on assets | 1.0218% | 3,304 |
| Return on Equity (ROE) | 7.1693% | 3,443 |
| Retained earnings to average equity (ytd only) | 6.6032% | 1,299 |
| Net charge-offs to loans | 0.3443% | 3,105 |
| Credit loss provision to net charge-offs | 110.8033% | 4,869 |
| Earnings coverage of net charge-offs (x) | 4.9695% | 3,796 |
| Efficiency ratio | 65.2132% | 5,275 |
| Assets per employee ($millions) | 3.7713% | 4,023 |
| Cash dividends to net income (ytd only)* | 7.8965% | 4,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 4,852 |
| Loan loss allowance to noncurrent loans | 33.5465% | 6,491 |
| Noncurrent assets plus other real estate owned to assets | 3.1399% | 1,457 |
| Noncurrent loans to loans | 3.4565% | 1,473 |
| Net loans and leases to total assets | 75.6593% | 2,717 |
| Net loans and leases to deposits | 86.4856% | 4,041 |
| Net loans and leases to core deposits | 107.6228% | 4,011 |
| Total domestic deposits to total assets | 87.4820% | 1,715 |
| Equity capital to assets | 11.4195% | 2,689 |
| Core capital (leverage) ratio | 12.3267% | 1,819 |
| Tier 1 risk-based capital ratio | 14.9786% | 3,057 |
| Total risk-based capital ratio | 16.1285% | 3,027 |
| Memoranda: | ||
| Average total assets | $545,698,800 | 1,247 |
| Average earning assets | $507,868,200 | 1,214 |
| Average equity | $63,590,200 | 1,049 |
| Average total loans | $419,347,800 | 1,142 |