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 | 6.5546% | 335 |
| Cost of funding earning assets | 2.0663% | 817 |
| Net interest margin | 4.4882% | 629 |
| Noninterest income to average assets | 1.5800% | 366 |
| Noninterest expense to average assets | 3.3572% | 694 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.3099% | 298 |
| Return on assets (ROA) | 2.0894% | 394 |
| Pretax return on assets | 2.1462% | 529 |
| Return on Equity (ROE) | 15.4500% | 1,201 |
| Retained earnings to average equity (ytd only) | 7.5352% | 1,688 |
| Net charge-offs to loans | 0.2005% | 529 |
| Credit loss provision to net charge-offs | 58.1253% | 2,160 |
| Earnings coverage of net charge-offs (x) | 14.9272% | 2,063 |
| Efficiency ratio | 57.5345% | 3,338 |
| Assets per employee ($millions) | 5.2185% | 3,460 |
| Cash dividends to net income (ytd only)* | 51.2139% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 3,499 |
| Loan loss allowance to noncurrent loans | 171.4391% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 1,200 |
| Noncurrent loans to loans | 0.5586% | 1,401 |
| Net loans and leases to total assets | 79.2300% | 736 |
| Net loans and leases to deposits | 93.4204% | 983 |
| Net loans and leases to core deposits | 105.6845% | 1,128 |
| Total domestic deposits to total assets | 84.8200% | 2,364 |
| Equity capital to assets | 13.6742% | 737 |
| Core capital (leverage) ratio | 13.7338% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9493% | 1,287 |
| Memoranda: | ||
| Average total assets | $1,190,652,000 | 860 |
| Average earning assets | $1,123,734,200 | 839 |
| Average equity | $161,071,200 | 639 |
| Average total loans | $978,838,600 | 744 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5177% | 301 |
| Cost of funding earning assets | 1.9556% | 774 |
| Net interest margin | 4.5620% | 563 |
| Noninterest income to average assets | 1.7700% | 328 |
| Noninterest expense to average assets | 3.3894% | 633 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 2.4867% | 271 |
| Return on assets (ROA) | 2.2024% | 366 |
| Pretax return on assets | 2.2869% | 489 |
| Return on Equity (ROE) | 16.3300% | 1,193 |
| Retained earnings to average equity (ytd only) | 11.3166% | 1,106 |
| Net charge-offs to loans | 0.1622% | 523 |
| Credit loss provision to net charge-offs | 80.7209% | 1,752 |
| Earnings coverage of net charge-offs (x) | 19.9430% | 1,818 |
| Efficiency ratio | 55.6838% | 3,421 |
| Assets per employee ($millions) | 4.9308% | 3,652 |
| Cash dividends to net income (ytd only)* | 30.6804% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 3,218 |
| Loan loss allowance to noncurrent loans | 161.1843% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 1,112 |
| Noncurrent loans to loans | 0.6378% | 1,278 |
| Net loans and leases to total assets | 81.2800% | 500 |
| Net loans and leases to deposits | 96.4392% | 724 |
| Net loans and leases to core deposits | 109.6372% | 883 |
| Total domestic deposits to total assets | 84.2800% | 2,691 |
| Equity capital to assets | 14.1013% | 634 |
| Core capital (leverage) ratio | 14.1100% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5062% | 1,423 |
| Memoranda: | ||
| Average total assets | $1,184,337,000 | 866 |
| Average earning assets | $1,115,730,750 | 849 |
| Average equity | $159,772,500 | 638 |
| Average total loans | $980,363,500 | 741 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4698% | 269 |
| Cost of funding earning assets | 1.9256% | 578 |
| Net interest margin | 4.5442% | 581 |
| Noninterest income to average assets | 1.8100% | 270 |
| Noninterest expense to average assets | 3.3453% | 654 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 2.5028% | 247 |
| Return on assets (ROA) | 2.2053% | 345 |
| Pretax return on assets | 2.3094% | 460 |
| Return on Equity (ROE) | 16.5900% | 1,168 |
| Retained earnings to average equity (ytd only) | 16.5948% | 420 |
| Net charge-offs to loans | 0.1941% | 410 |
| Credit loss provision to net charge-offs | 79.8328% | 1,552 |
| Earnings coverage of net charge-offs (x) | 16.9781% | 1,814 |
| Efficiency ratio | 54.8175% | 3,549 |
| Assets per employee ($millions) | 5.0674% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 3,357 |
| Loan loss allowance to noncurrent loans | 353.8243% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 1,986 |
| Noncurrent loans to loans | 0.2872% | 2,115 |
| Net loans and leases to total assets | 83.1400% | 320 |
| Net loans and leases to deposits | 98.4754% | 583 |
| Net loans and leases to core deposits | 112.4791% | 732 |
| Total domestic deposits to total assets | 84.4200% | 2,715 |
| Equity capital to assets | 14.2614% | 610 |
| Core capital (leverage) ratio | 13.9166% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1960% | 1,508 |
| Memoranda: | ||
| Average total assets | $1,187,940,000 | 857 |
| Average earning assets | $1,116,759,667 | 833 |
| Average equity | $157,869,000 | 641 |
| Average total loans | $985,895,333 | 721 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2232% | 241 |
| Cost of funding earning assets | 1.6263% | 667 |
| Net interest margin | 4.5969% | 507 |
| Noninterest income to average assets | 1.7200% | 286 |
| Noninterest expense to average assets | 3.3210% | 675 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 2.5806% | 223 |
| Return on assets (ROA) | 2.3627% | 291 |
| Pretax return on assets | 2.4694% | 370 |
| Return on Equity (ROE) | 18.4300% | 971 |
| Retained earnings to average equity (ytd only) | 18.4339% | 483 |
| Net charge-offs to loans | 0.0546% | 822 |
| Credit loss provision to net charge-offs | 57.7778% | 1,285 |
| Earnings coverage of net charge-offs (x) | 60.1556% | 1,018 |
| Efficiency ratio | 54.8764% | 3,518 |
| Assets per employee ($millions) | 5.2826% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,501 |
| Loan loss allowance to noncurrent loans | 357.4823% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 1,950 |
| Noncurrent loans to loans | 0.2809% | 2,136 |
| Net loans and leases to total assets | 82.1400% | 361 |
| Net loans and leases to deposits | 100.9648% | 401 |
| Net loans and leases to core deposits | 110.9995% | 668 |
| Total domestic deposits to total assets | 81.3600% | 3,576 |
| Equity capital to assets | 13.2915% | 696 |
| Core capital (leverage) ratio | 13.3711% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8746% | 2,016 |
| Memoranda: | ||
| Average total assets | $1,199,157,500 | 863 |
| Average earning assets | $1,124,236,500 | 846 |
| Average equity | $153,695,000 | 668 |
| Average total loans | $989,388,000 | 730 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2830% | 198 |
| Cost of funding earning assets | 0.5555% | 1,085 |
| Net interest margin | 4.7275% | 194 |
| Noninterest income to average assets | 2.1100% | 231 |
| Noninterest expense to average assets | 3.5406% | 472 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 3.0011% | 110 |
| Return on assets (ROA) | 2.7573% | 123 |
| Pretax return on assets | 2.8587% | 145 |
| Return on Equity (ROE) | 21.7800% | 351 |
| Retained earnings to average equity (ytd only) | 10.3167% | 1,065 |
| Net charge-offs to loans | 0.1094% | 685 |
| Credit loss provision to net charge-offs | -132.7801% | 4,587 |
| Earnings coverage of net charge-offs (x) | 34.5104% | 1,593 |
| Efficiency ratio | 54.0344% | 3,793 |
| Assets per employee ($millions) | 4.9732% | 3,705 |
| Cash dividends to net income (ytd only)* | 52.6386% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7199% | 4,182 |
| Loan loss allowance to noncurrent loans | 340.7282% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 2,335 |
| Noncurrent loans to loans | 0.2113% | 2,432 |
| Net loans and leases to total assets | 81.4400% | 457 |
| Net loans and leases to deposits | 100.1107% | 433 |
| Net loans and leases to core deposits | 107.9664% | 674 |
| Total domestic deposits to total assets | 81.3500% | 3,715 |
| Equity capital to assets | 12.3339% | 839 |
| Core capital (leverage) ratio | 12.3720% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6653% | 2,498 |
| Memoranda: | ||
| Average total assets | $1,113,337,000 | 891 |
| Average earning assets | $1,040,313,400 | 880 |
| Average equity | $140,926,200 | 709 |
| Average total loans | $881,017,800 | 761 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0000% | 211 |
| Cost of funding earning assets | 0.3558% | 1,655 |
| Net interest margin | 4.6442% | 182 |
| Noninterest income to average assets | 2.3800% | 223 |
| Noninterest expense to average assets | 3.5881% | 453 |
| Loan and lease loss provision to assets | -0.1700% | 4,653 |
| Net operating income to assets | 3.1553% | 102 |
| Return on assets (ROA) | 2.8864% | 108 |
| Pretax return on assets | 3.0216% | 131 |
| Return on Equity (ROE) | 22.6500% | 266 |
| Retained earnings to average equity (ytd only) | 11.0720% | 1,034 |
| Net charge-offs to loans | 0.0448% | 1,042 |
| Credit loss provision to net charge-offs | -473.2639% | 4,694 |
| Earnings coverage of net charge-offs (x) | 89.0972% | 997 |
| Efficiency ratio | 53.2487% | 3,890 |
| Assets per employee ($millions) | 4.7597% | 3,868 |
| Cash dividends to net income (ytd only)* | 51.1078% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 4,059 |
| Loan loss allowance to noncurrent loans | 227.3596% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 1,774 |
| Noncurrent loans to loans | 0.3588% | 1,949 |
| Net loans and leases to total assets | 81.0100% | 446 |
| Net loans and leases to deposits | 101.5337% | 317 |
| Net loans and leases to core deposits | 106.5576% | 573 |
| Total domestic deposits to total assets | 79.7900% | 4,118 |
| Equity capital to assets | 12.5297% | 764 |
| Core capital (leverage) ratio | 12.4675% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4884% | 1,880 |
| Memoranda: | ||
| Average total assets | $1,094,519,750 | 909 |
| Average earning assets | $1,021,600,250 | 897 |
| Average equity | $139,507,500 | 718 |
| Average total loans | $857,522,250 | 776 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 241 |
| Cost of funding earning assets | 0.2846% | 1,854 |
| Net interest margin | 4.4598% | 206 |
| Noninterest income to average assets | 2.4656% | 187 |
| Noninterest expense to average assets | 3.6590% | 371 |
| Loan and lease loss provision to assets | -0.2607% | 4,712 |
| Net operating income to assets | 3.0778% | 68 |
| Return on assets (ROA) | 2.8246% | 76 |
| Pretax return on assets | 2.9568% | 105 |
| Return on Equity (ROE) | 22.0289% | 193 |
| Retained earnings to average equity (ytd only) | 11.8380% | 633 |
| Net charge-offs to loans | 0.0514% | 881 |
| Credit loss provision to net charge-offs | -657.0093% | 3,439 |
| Earnings coverage of net charge-offs (x) | 74.3551% | 971 |
| Efficiency ratio | 55.1606% | 3,856 |
| Assets per employee ($millions) | 4.7555% | 3,886 |
| Cash dividends to net income (ytd only)* | 46.2614% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 3,965 |
| Loan loss allowance to noncurrent loans | 371.3800% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.1890% | 2,403 |
| Noncurrent loans to loans | 0.2408% | 2,518 |
| Net loans and leases to total assets | 77.7620% | 571 |
| Net loans and leases to deposits | 91.8974% | 613 |
| Net loans and leases to core deposits | 95.8867% | 837 |
| Total domestic deposits to total assets | 84.6183% | 3,566 |
| Equity capital to assets | 12.9720% | 670 |
| Core capital (leverage) ratio | 12.6067% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0703% | 2,031 |
| Memoranda: | ||
| Average total assets | $1,078,586,333 | 914 |
| Average earning assets | $1,002,202,667 | 913 |
| Average equity | $138,300,333 | 731 |
| Average total loans | $832,363,000 | 780 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6067% | 253 |
| Cost of funding earning assets | 0.2847% | 1,777 |
| Net interest margin | 4.3221% | 228 |
| Noninterest income to average assets | 2.5795% | 179 |
| Noninterest expense to average assets | 3.6181% | 383 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.8372% | 86 |
| Return on assets (ROA) | 2.4245% | 126 |
| Pretax return on assets | 2.5251% | 175 |
| Return on Equity (ROE) | 19.0210% | 280 |
| Retained earnings to average equity (ytd only) | 10.2590% | 958 |
| Net charge-offs to loans | 0.0024% | 1,720 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,577.4000% | 45 |
| Efficiency ratio | 54.9727% | 3,977 |
| Assets per employee ($millions) | 5.0154% | 3,740 |
| Cash dividends to net income (ytd only)* | 46.0652% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 3,177 |
| Loan loss allowance to noncurrent loans | 411.8327% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 2,384 |
| Noncurrent loans to loans | 0.2753% | 2,488 |
| Net loans and leases to total assets | 74.8651% | 586 |
| Net loans and leases to deposits | 88.1496% | 610 |
| Net loans and leases to core deposits | 91.9591% | 819 |
| Total domestic deposits to total assets | 84.9296% | 3,552 |
| Equity capital to assets | 12.7913% | 740 |
| Core capital (leverage) ratio | 12.6352% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2968% | 2,079 |
| Memoranda: | ||
| Average total assets | $1,073,372,000 | 921 |
| Average earning assets | $987,863,500 | 927 |
| Average equity | $136,817,000 | 753 |
| Average total loans | $821,303,000 | 781 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 290 |
| Cost of funding earning assets | 0.3560% | 1,883 |
| Net interest margin | 4.5633% | 239 |
| Noninterest income to average assets | 2.4162% | 243 |
| Noninterest expense to average assets | 3.5395% | 454 |
| Loan and lease loss provision to assets | -0.0678% | 4,433 |
| Net operating income to assets | 3.0914% | 95 |
| Return on assets (ROA) | 2.7069% | 131 |
| Pretax return on assets | 2.8271% | 172 |
| Return on Equity (ROE) | 22.1711% | 211 |
| Retained earnings to average equity (ytd only) | 11.0163% | 698 |
| Net charge-offs to loans | 0.0053% | 2,394 |
| Credit loss provision to net charge-offs | -1,631.8182% | 4,018 |
| Earnings coverage of net charge-offs (x) | 755.9773% | 194 |
| Efficiency ratio | 52.7730% | 4,056 |
| Assets per employee ($millions) | 5.0161% | 3,714 |
| Cash dividends to net income (ytd only)* | 50.3123% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,267 |
| Loan loss allowance to noncurrent loans | 424.7134% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 2,549 |
| Noncurrent loans to loans | 0.2640% | 2,661 |
| Net loans and leases to total assets | 76.4490% | 490 |
| Net loans and leases to deposits | 89.8084% | 574 |
| Net loans and leases to core deposits | 94.1031% | 776 |
| Total domestic deposits to total assets | 85.1246% | 3,233 |
| Equity capital to assets | 12.7012% | 994 |
| Core capital (leverage) ratio | 12.5014% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8568% | 2,296 |
| Memoranda: | ||
| Average total assets | $1,058,673,800 | 921 |
| Average earning assets | $989,516,600 | 914 |
| Average equity | $129,254,000 | 804 |
| Average total loans | $831,492,200 | 774 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9861% | 304 |
| Cost of funding earning assets | 0.3681% | 1,955 |
| Net interest margin | 4.6180% | 256 |
| Noninterest income to average assets | 2.3675% | 261 |
| Noninterest expense to average assets | 3.4701% | 474 |
| Loan and lease loss provision to assets | 0.0909% | 1,318 |
| Net operating income to assets | 3.0232% | 123 |
| Return on assets (ROA) | 2.6858% | 180 |
| Pretax return on assets | 2.8070% | 225 |
| Return on Equity (ROE) | 22.2252% | 288 |
| Retained earnings to average equity (ytd only) | 12.4951% | 725 |
| Net charge-offs to loans | -0.0544% | 4,395 |
| Credit loss provision to net charge-offs | -211.7647% | 3,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5542% | 4,064 |
| Assets per employee ($millions) | 5.0506% | 3,653 |
| Cash dividends to net income (ytd only)* | 43.7797% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 2,280 |
| Loan loss allowance to noncurrent loans | 453.5597% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 2,536 |
| Noncurrent loans to loans | 0.2954% | 2,730 |
| Net loans and leases to total assets | 78.4573% | 373 |
| Net loans and leases to deposits | 91.2230% | 532 |
| Net loans and leases to core deposits | 96.8013% | 710 |
| Total domestic deposits to total assets | 86.0061% | 2,745 |
| Equity capital to assets | 12.8384% | 1,038 |
| Core capital (leverage) ratio | 12.0451% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5432% | 1,239 |
| Memoranda: | ||
| Average total assets | $1,056,235,250 | 934 |
| Average earning assets | $992,044,500 | 922 |
| Average equity | $127,641,750 | 825 |
| Average total loans | $832,848,750 | 788 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8484% | 439 |
| Cost of funding earning assets | 0.3820% | 2,037 |
| Net interest margin | 4.4665% | 380 |
| Noninterest income to average assets | 2.4855% | 247 |
| Noninterest expense to average assets | 3.4106% | 526 |
| Loan and lease loss provision to assets | 0.1244% | 1,008 |
| Net operating income to assets | 3.0229% | 127 |
| Return on assets (ROA) | 2.6909% | 181 |
| Pretax return on assets | 2.8152% | 229 |
| Return on Equity (ROE) | 22.7303% | 277 |
| Retained earnings to average equity (ytd only) | 13.3196% | 664 |
| Net charge-offs to loans | -0.0520% | 4,390 |
| Credit loss provision to net charge-offs | -304.1475% | 3,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8402% | 4,159 |
| Assets per employee ($millions) | 5.1779% | 3,483 |
| Cash dividends to net income (ytd only)* | 41.4018% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 2,454 |
| Loan loss allowance to noncurrent loans | 407.3991% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 2,554 |
| Noncurrent loans to loans | 0.3183% | 2,777 |
| Net loans and leases to total assets | 77.7933% | 459 |
| Net loans and leases to deposits | 90.6312% | 613 |
| Net loans and leases to core deposits | 101.3404% | 616 |
| Total domestic deposits to total assets | 85.8351% | 2,792 |
| Equity capital to assets | 12.2139% | 1,266 |
| Core capital (leverage) ratio | 11.6507% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6074% | 1,443 |
| Memoranda: | ||
| Average total assets | $1,061,507,667 | 924 |
| Average earning assets | $997,391,333 | 910 |
| Average equity | $125,664,667 | 831 |
| Average total loans | $834,675,333 | 790 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 558 |
| Cost of funding earning assets | 0.4086% | 2,022 |
| Net interest margin | 4.3053% | 514 |
| Noninterest income to average assets | 1.9854% | 380 |
| Noninterest expense to average assets | 3.1318% | 800 |
| Loan and lease loss provision to assets | 0.2493% | 425 |
| Net operating income to assets | 2.5498% | 245 |
| Return on assets (ROA) | 2.3518% | 362 |
| Pretax return on assets | 2.4462% | 479 |
| Return on Equity (ROE) | 20.1885% | 517 |
| Retained earnings to average equity (ytd only) | 12.0463% | 1,135 |
| Net charge-offs to loans | -0.0082% | 3,591 |
| Credit loss provision to net charge-offs | -3,882.3529% | 3,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7490% | 4,020 |
| Assets per employee ($millions) | 5.1986% | 3,432 |
| Cash dividends to net income (ytd only)* | 40.3309% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 2,541 |
| Loan loss allowance to noncurrent loans | 385.1026% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 2,689 |
| Noncurrent loans to loans | 0.3315% | 2,905 |
| Net loans and leases to total assets | 78.0334% | 464 |
| Net loans and leases to deposits | 89.4658% | 729 |
| Net loans and leases to core deposits | 101.6035% | 645 |
| Total domestic deposits to total assets | 87.2215% | 2,210 |
| Equity capital to assets | 11.8179% | 1,379 |
| Core capital (leverage) ratio | 11.3851% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2411% | 1,837 |
| Memoranda: | ||
| Average total assets | $1,058,937,500 | 914 |
| Average earning assets | $993,744,500 | 901 |
| Average equity | $123,357,500 | 837 |
| Average total loans | $831,671,500 | 786 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9121% | 585 |
| Cost of funding earning assets | 0.6749% | 1,850 |
| Net interest margin | 4.2373% | 583 |
| Noninterest income to average assets | 1.9381% | 346 |
| Noninterest expense to average assets | 3.4841% | 706 |
| Loan and lease loss provision to assets | 0.5627% | 385 |
| Net operating income to assets | 1.8049% | 384 |
| Return on assets (ROA) | 1.5979% | 697 |
| Pretax return on assets | 1.6430% | 973 |
| Return on Equity (ROE) | 13.3142% | 964 |
| Retained earnings to average equity (ytd only) | 5.3582% | 2,114 |
| Net charge-offs to loans | 0.2292% | 760 |
| Credit loss provision to net charge-offs | 331.5569% | 1,631 |
| Earnings coverage of net charge-offs (x) | 14.2114% | 2,227 |
| Efficiency ratio | 58.8473% | 3,606 |
| Assets per employee ($millions) | 5.2051% | 3,148 |
| Cash dividends to net income (ytd only)* | 59.7558% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,863 |
| Loan loss allowance to noncurrent loans | 345.9282% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 2,783 |
| Noncurrent loans to loans | 0.3512% | 2,939 |
| Net loans and leases to total assets | 77.1371% | 685 |
| Net loans and leases to deposits | 92.4509% | 752 |
| Net loans and leases to core deposits | 107.5081% | 585 |
| Total domestic deposits to total assets | 83.4357% | 3,283 |
| Equity capital to assets | 11.4196% | 1,941 |
| Core capital (leverage) ratio | 11.0323% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7015% | 1,628 |
| Memoranda: | ||
| Average total assets | $984,047,400 | 895 |
| Average earning assets | $919,130,800 | 886 |
| Average equity | $118,099,400 | 832 |
| Average total loans | $728,512,200 | 851 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0060% | 596 |
| Cost of funding earning assets | 0.7291% | 1,861 |
| Net interest margin | 4.2770% | 618 |
| Noninterest income to average assets | 1.8752% | 347 |
| Noninterest expense to average assets | 3.4941% | 715 |
| Loan and lease loss provision to assets | 0.6783% | 328 |
| Net operating income to assets | 1.6493% | 647 |
| Return on assets (ROA) | 1.4602% | 1,061 |
| Pretax return on assets | 1.5092% | 1,429 |
| Return on Equity (ROE) | 12.0074% | 1,365 |
| Retained earnings to average equity (ytd only) | 6.6745% | 1,821 |
| Net charge-offs to loans | 0.1102% | 1,240 |
| Credit loss provision to net charge-offs | 844.3299% | 942 |
| Earnings coverage of net charge-offs (x) | 29.5722% | 1,597 |
| Efficiency ratio | 59.2748% | 3,487 |
| Assets per employee ($millions) | 5.3071% | 2,883 |
| Cash dividends to net income (ytd only)* | 44.4129% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 2,260 |
| Loan loss allowance to noncurrent loans | 285.4422% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 2,678 |
| Noncurrent loans to loans | 0.4472% | 2,710 |
| Net loans and leases to total assets | 77.2120% | 934 |
| Net loans and leases to deposits | 94.9299% | 850 |
| Net loans and leases to core deposits | 110.3577% | 690 |
| Total domestic deposits to total assets | 81.3357% | 3,582 |
| Equity capital to assets | 11.4589% | 2,041 |
| Core capital (leverage) ratio | 10.9132% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8490% | 2,264 |
| Memoranda: | ||
| Average total assets | $965,898,500 | 899 |
| Average earning assets | $902,145,000 | 888 |
| Average equity | $117,458,250 | 834 |
| Average total loans | $704,368,000 | 861 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 541 |
| Cost of funding earning assets | 0.7991% | 1,832 |
| Net interest margin | 4.4229% | 592 |
| Noninterest income to average assets | 1.2942% | 608 |
| Noninterest expense to average assets | 3.5303% | 722 |
| Loan and lease loss provision to assets | 0.7210% | 374 |
| Net operating income to assets | 1.1647% | 1,745 |
| Return on assets (ROA) | 1.0107% | 2,409 |
| Pretax return on assets | 1.0000% | 3,031 |
| Return on Equity (ROE) | 8.1357% | 2,695 |
| Retained earnings to average equity (ytd only) | 8.1357% | 1,260 |
| Net charge-offs to loans | 0.1476% | 978 |
| Credit loss provision to net charge-offs | 688.3910% | 1,011 |
| Earnings coverage of net charge-offs (x) | 17.9022% | 1,798 |
| Efficiency ratio | 65.0316% | 2,657 |
| Assets per employee ($millions) | 5.4559% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 2,873 |
| Loan loss allowance to noncurrent loans | 239.3386% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 2,748 |
| Noncurrent loans to loans | 0.4725% | 2,731 |
| Net loans and leases to total assets | 75.4991% | 1,206 |
| Net loans and leases to deposits | 99.3788% | 588 |
| Net loans and leases to core deposits | 103.3123% | 1,046 |
| Total domestic deposits to total assets | 75.9710% | 4,432 |
| Equity capital to assets | 11.3823% | 2,052 |
| Core capital (leverage) ratio | 11.3836% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9921% | 1,245 |
| Memoranda: | ||
| Average total assets | $937,594,667 | 904 |
| Average earning assets | $871,501,667 | 895 |
| Average equity | $116,474,000 | 834 |
| Average total loans | $665,210,333 | 885 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0851% | 820 |
| Cost of funding earning assets | 0.9381% | 1,704 |
| Net interest margin | 4.1470% | 1,032 |
| Noninterest income to average assets | 1.0754% | 732 |
| Noninterest expense to average assets | 3.5009% | 936 |
| Loan and lease loss provision to assets | 0.8185% | 295 |
| Net operating income to assets | 0.6200% | 3,542 |
| Return on assets (ROA) | 0.4700% | 4,024 |
| Pretax return on assets | 0.4346% | 4,230 |
| Return on Equity (ROE) | 3.6040% | 4,068 |
| Retained earnings to average equity (ytd only) | 3.6040% | 2,846 |
| Net charge-offs to loans | 0.1967% | 696 |
| Credit loss provision to net charge-offs | 614.2857% | 783 |
| Earnings coverage of net charge-offs (x) | 10.5306% | 1,763 |
| Efficiency ratio | 71.0563% | 2,208 |
| Assets per employee ($millions) | 4.7403% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,333 |
| Loan loss allowance to noncurrent loans | 169.8251% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.5287% | 2,404 |
| Noncurrent loans to loans | 0.7425% | 2,148 |
| Net loans and leases to total assets | 66.3449% | 2,776 |
| Net loans and leases to deposits | 82.9831% | 2,332 |
| Net loans and leases to core deposits | 86.5095% | 2,644 |
| Total domestic deposits to total assets | 79.9499% | 3,874 |
| Equity capital to assets | 12.7631% | 1,576 |
| Core capital (leverage) ratio | 12.7825% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6028% | 1,438 |
| Memoranda: | ||
| Average total assets | $882,626,500 | 930 |
| Average earning assets | $814,847,500 | 924 |
| Average equity | $115,094,500 | 833 |
| Average total loans | $597,854,000 | 944 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3007% | 816 |
| Cost of funding earning assets | 1.0811% | 1,399 |
| Net interest margin | 4.2196% | 1,281 |
| Noninterest income to average assets | 1.9633% | 269 |
| Noninterest expense to average assets | 3.6130% | 843 |
| Loan and lease loss provision to assets | 0.2733% | 657 |
| Net operating income to assets | 1.9988% | 354 |
| Return on assets (ROA) | 1.8252% | 522 |
| Pretax return on assets | 1.8779% | 784 |
| Return on Equity (ROE) | 14.1579% | 870 |
| Retained earnings to average equity (ytd only) | 5.4157% | 2,217 |
| Net charge-offs to loans | 0.3386% | 602 |
| Credit loss provision to net charge-offs | 117.4127% | 2,151 |
| Earnings coverage of net charge-offs (x) | 9.9833% | 2,610 |
| Efficiency ratio | 60.5782% | 3,609 |
| Assets per employee ($millions) | 4.3648% | 3,422 |
| Cash dividends to net income (ytd only)* | 61.7479% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,223 |
| Loan loss allowance to noncurrent loans | 147.2501% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.5196% | 2,342 |
| Noncurrent loans to loans | 0.7120% | 2,095 |
| Net loans and leases to total assets | 67.5920% | 2,740 |
| Net loans and leases to deposits | 82.0832% | 2,548 |
| Net loans and leases to core deposits | 85.3814% | 2,837 |
| Total domestic deposits to total assets | 82.3457% | 3,409 |
| Equity capital to assets | 13.3315% | 1,349 |
| Core capital (leverage) ratio | 12.6707% | 1,395 |
| Tier 1 risk-based capital ratio | 16.0250% | 2,398 |
| Total risk-based capital ratio | 16.9381% | 2,444 |
| Memoranda: | ||
| Average total assets | $873,266,600 | 901 |
| Average earning assets | $822,396,200 | 882 |
| Average equity | $112,580,200 | 808 |
| Average total loans | $600,453,200 | 908 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3220% | 824 |
| Cost of funding earning assets | 1.1145% | 1,290 |
| Net interest margin | 4.2075% | 1,362 |
| Noninterest income to average assets | 2.1782% | 232 |
| Noninterest expense to average assets | 3.6302% | 819 |
| Loan and lease loss provision to assets | 0.1606% | 1,164 |
| Net operating income to assets | 2.2401% | 254 |
| Return on assets (ROA) | 2.0119% | 400 |
| Pretax return on assets | 2.1254% | 515 |
| Return on Equity (ROE) | 15.7378% | 648 |
| Retained earnings to average equity (ytd only) | 8.6065% | 1,169 |
| Net charge-offs to loans | 0.1303% | 1,220 |
| Credit loss provision to net charge-offs | 178.9831% | 1,437 |
| Earnings coverage of net charge-offs (x) | 28.0016% | 1,697 |
| Efficiency ratio | 58.8304% | 3,822 |
| Assets per employee ($millions) | 4.3275% | 3,444 |
| Cash dividends to net income (ytd only)* | 45.3130% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,315 |
| Loan loss allowance to noncurrent loans | 112.3455% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 2,037 |
| Noncurrent loans to loans | 0.9309% | 1,726 |
| Net loans and leases to total assets | 68.5445% | 2,699 |
| Net loans and leases to deposits | 82.7270% | 2,589 |
| Net loans and leases to core deposits | 85.7804% | 2,926 |
| Total domestic deposits to total assets | 82.8562% | 3,210 |
| Equity capital to assets | 13.4062% | 1,401 |
| Core capital (leverage) ratio | 12.3809% | 1,635 |
| Tier 1 risk-based capital ratio | 15.2188% | 2,751 |
| Total risk-based capital ratio | 16.0938% | 2,851 |
| Memoranda: | ||
| Average total assets | $876,617,000 | 896 |
| Average earning assets | $826,067,500 | 871 |
| Average equity | $112,067,000 | 808 |
| Average total loans | $603,727,000 | 911 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2619% | 878 |
| Cost of funding earning assets | 1.1020% | 1,292 |
| Net interest margin | 4.1599% | 1,460 |
| Noninterest income to average assets | 2.1013% | 246 |
| Noninterest expense to average assets | 3.5469% | 906 |
| Loan and lease loss provision to assets | 0.1402% | 1,322 |
| Net operating income to assets | 2.2328% | 248 |
| Return on assets (ROA) | 2.0363% | 381 |
| Pretax return on assets | 2.1556% | 494 |
| Return on Equity (ROE) | 16.1866% | 562 |
| Retained earnings to average equity (ytd only) | 9.7502% | 828 |
| Net charge-offs to loans | 0.1170% | 1,261 |
| Credit loss provision to net charge-offs | 174.2938% | 1,341 |
| Earnings coverage of net charge-offs (x) | 30.9718% | 1,438 |
| Efficiency ratio | 58.4776% | 3,940 |
| Assets per employee ($millions) | 4.6951% | 2,887 |
| Cash dividends to net income (ytd only)* | 39.7635% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 3,859 |
| Loan loss allowance to noncurrent loans | 99.3450% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6670% | 2,054 |
| Noncurrent loans to loans | 0.9611% | 1,694 |
| Net loans and leases to total assets | 68.7425% | 2,717 |
| Net loans and leases to deposits | 88.9407% | 1,872 |
| Net loans and leases to core deposits | 91.9878% | 2,422 |
| Total domestic deposits to total assets | 77.2903% | 4,524 |
| Equity capital to assets | 12.4736% | 1,874 |
| Core capital (leverage) ratio | 12.0769% | 1,774 |
| Tier 1 risk-based capital ratio | 15.7870% | 2,508 |
| Total risk-based capital ratio | 16.6795% | 2,575 |
| Memoranda: | ||
| Average total assets | $880,325,000 | 890 |
| Average earning assets | $833,050,670 | 862 |
| Average equity | $110,746,000 | 815 |
| Average total loans | $605,130,000 | 907 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2116% | 888 |
| Cost of funding earning assets | 1.0478% | 1,386 |
| Net interest margin | 4.1638% | 1,392 |
| Noninterest income to average assets | 1.7674% | 295 |
| Noninterest expense to average assets | 3.4871% | 984 |
| Loan and lease loss provision to assets | 0.0941% | 1,851 |
| Net operating income to assets | 2.0218% | 373 |
| Return on assets (ROA) | 1.9037% | 474 |
| Pretax return on assets | 2.0118% | 629 |
| Return on Equity (ROE) | 15.0653% | 734 |
| Retained earnings to average equity (ytd only) | 9.1213% | 1,279 |
| Net charge-offs to loans | 0.0895% | 1,217 |
| Credit loss provision to net charge-offs | 153.7879% | 1,219 |
| Earnings coverage of net charge-offs (x) | 36.3258% | 1,214 |
| Efficiency ratio | 60.7746% | 3,709 |
| Assets per employee ($millions) | 4.5827% | 3,071 |
| Cash dividends to net income (ytd only)* | 39.4545% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 3,912 |
| Loan loss allowance to noncurrent loans | 235.0000% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 3,468 |
| Noncurrent loans to loans | 0.4098% | 3,121 |
| Net loans and leases to total assets | 68.3078% | 2,713 |
| Net loans and leases to deposits | 85.0666% | 2,247 |
| Net loans and leases to core deposits | 88.1368% | 2,666 |
| Total domestic deposits to total assets | 80.2992% | 4,116 |
| Equity capital to assets | 12.5171% | 1,731 |
| Core capital (leverage) ratio | 11.8327% | 1,877 |
| Tier 1 risk-based capital ratio | 15.1662% | 2,810 |
| Total risk-based capital ratio | 16.0539% | 2,895 |
| Memoranda: | ||
| Average total assets | $862,720,000 | 907 |
| Average earning assets | $816,946,500 | 881 |
| Average equity | $109,019,000 | 821 |
| Average total loans | $589,980,500 | 931 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0693% | 907 |
| Cost of funding earning assets | 0.7717% | 1,680 |
| Net interest margin | 4.2976% | 1,163 |
| Noninterest income to average assets | 1.6816% | 342 |
| Noninterest expense to average assets | 3.4952% | 998 |
| Loan and lease loss provision to assets | 0.1176% | 1,869 |
| Net operating income to assets | 2.0387% | 330 |
| Return on assets (ROA) | 1.8559% | 495 |
| Pretax return on assets | 1.9238% | 673 |
| Return on Equity (ROE) | 14.8598% | 860 |
| Retained earnings to average equity (ytd only) | 7.5888% | 1,419 |
| Net charge-offs to loans | 0.0561% | 2,341 |
| Credit loss provision to net charge-offs | 299.0854% | 1,036 |
| Earnings coverage of net charge-offs (x) | 56.5518% | 1,061 |
| Efficiency ratio | 60.8134% | 3,724 |
| Assets per employee ($millions) | 4.4262% | 3,276 |
| Cash dividends to net income (ytd only)* | 48.9308% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 3,572 |
| Loan loss allowance to noncurrent loans | 224.0062% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 3,332 |
| Noncurrent loans to loans | 0.4546% | 2,904 |
| Net loans and leases to total assets | 67.0798% | 2,989 |
| Net loans and leases to deposits | 81.9952% | 2,732 |
| Net loans and leases to core deposits | 84.8312% | 3,012 |
| Total domestic deposits to total assets | 81.8094% | 3,692 |
| Equity capital to assets | 12.7624% | 1,456 |
| Core capital (leverage) ratio | 11.8376% | 1,841 |
| Tier 1 risk-based capital ratio | 15.1877% | 2,741 |
| Total risk-based capital ratio | 16.0866% | 2,839 |
| Memoranda: | ||
| Average total assets | $834,029,400 | 915 |
| Average earning assets | $783,575,400 | 898 |
| Average equity | $104,167,000 | 821 |
| Average total loans | $584,600,200 | 921 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 932 |
| Cost of funding earning assets | 0.7208% | 1,743 |
| Net interest margin | 4.2892% | 1,135 |
| Noninterest income to average assets | 1.7707% | 333 |
| Noninterest expense to average assets | 3.5211% | 959 |
| Loan and lease loss provision to assets | 0.1274% | 1,578 |
| Net operating income to assets | 2.0309% | 351 |
| Return on assets (ROA) | 1.8062% | 598 |
| Pretax return on assets | 1.9200% | 786 |
| Return on Equity (ROE) | 14.5420% | 972 |
| Retained earnings to average equity (ytd only) | 7.9604% | 1,676 |
| Net charge-offs to loans | 0.0163% | 2,848 |
| Credit loss provision to net charge-offs | 1,104.1667% | 381 |
| Earnings coverage of net charge-offs (x) | 196.9395% | 443 |
| Efficiency ratio | 60.4895% | 3,745 |
| Assets per employee ($millions) | 4.3557% | 3,350 |
| Cash dividends to net income (ytd only)* | 45.2594% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 3,614 |
| Loan loss allowance to noncurrent loans | 115.0862% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 2,342 |
| Noncurrent loans to loans | 0.8916% | 1,914 |
| Net loans and leases to total assets | 68.1057% | 2,916 |
| Net loans and leases to deposits | 85.6349% | 2,404 |
| Net loans and leases to core deposits | 88.4358% | 2,800 |
| Total domestic deposits to total assets | 79.5302% | 4,213 |
| Equity capital to assets | 12.5883% | 1,525 |
| Core capital (leverage) ratio | 11.5561% | 2,134 |
| Tier 1 risk-based capital ratio | 15.2226% | 2,775 |
| Total risk-based capital ratio | 16.1492% | 2,845 |
| Memoranda: | ||
| Average total assets | $832,290,750 | 913 |
| Average earning assets | $780,451,750 | 898 |
| Average equity | $103,376,250 | 827 |
| Average total loans | $588,266,750 | 913 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 973 |
| Cost of funding earning assets | 0.6523% | 1,916 |
| Net interest margin | 4.2673% | 1,115 |
| Noninterest income to average assets | 1.6651% | 364 |
| Noninterest expense to average assets | 3.4735% | 1,032 |
| Loan and lease loss provision to assets | 0.1708% | 1,075 |
| Net operating income to assets | 1.9108% | 460 |
| Return on assets (ROA) | 1.6715% | 773 |
| Pretax return on assets | 1.7799% | 1,008 |
| Return on Equity (ROE) | 13.5185% | 1,200 |
| Retained earnings to average equity (ytd only) | 7.5375% | 1,827 |
| Net charge-offs to loans | -0.0057% | 4,137 |
| Credit loss provision to net charge-offs | -4,182.3529% | 4,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0300% | 3,761 |
| Assets per employee ($millions) | 4.4823% | 3,150 |
| Cash dividends to net income (ytd only)* | 44.2432% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 4,012 |
| Loan loss allowance to noncurrent loans | 149.0241% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 2,842 |
| Noncurrent loans to loans | 0.6505% | 2,485 |
| Net loans and leases to total assets | 72.0343% | 2,268 |
| Net loans and leases to deposits | 89.3555% | 1,927 |
| Net loans and leases to core deposits | 91.6561% | 2,429 |
| Total domestic deposits to total assets | 80.6154% | 4,097 |
| Equity capital to assets | 12.4172% | 1,585 |
| Core capital (leverage) ratio | 11.3393% | 2,215 |
| Tier 1 risk-based capital ratio | 14.6458% | 3,043 |
| Total risk-based capital ratio | 15.5561% | 3,129 |
| Memoranda: | ||
| Average total assets | $832,406,330 | 913 |
| Average earning assets | $779,978,670 | 902 |
| Average equity | $102,925,670 | 832 |
| Average total loans | $593,530,670 | 903 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 1,250 |
| Cost of funding earning assets | 0.5798% | 2,175 |
| Net interest margin | 4.1450% | 1,315 |
| Noninterest income to average assets | 1.5447% | 408 |
| Noninterest expense to average assets | 3.3933% | 1,173 |
| Loan and lease loss provision to assets | 0.1736% | 1,010 |
| Net operating income to assets | 1.7606% | 609 |
| Return on assets (ROA) | 1.6231% | 816 |
| Pretax return on assets | 1.7255% | 1,053 |
| Return on Equity (ROE) | 13.1545% | 1,218 |
| Retained earnings to average equity (ytd only) | 6.2089% | 2,623 |
| Net charge-offs to loans | -0.0061% | 4,074 |
| Credit loss provision to net charge-offs | -4,011.1111% | 4,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1734% | 3,748 |
| Assets per employee ($millions) | 4.4595% | 3,222 |
| Cash dividends to net income (ytd only)* | 52.8000% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 4,312 |
| Loan loss allowance to noncurrent loans | 147.4626% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 2,244 |
| Noncurrent loans to loans | 0.6300% | 2,657 |
| Net loans and leases to total assets | 70.2277% | 2,444 |
| Net loans and leases to deposits | 85.7566% | 2,194 |
| Net loans and leases to core deposits | 89.5961% | 2,484 |
| Total domestic deposits to total assets | 81.8919% | 3,998 |
| Equity capital to assets | 12.2214% | 1,651 |
| Core capital (leverage) ratio | 11.2939% | 2,171 |
| Tier 1 risk-based capital ratio | 14.5483% | 3,098 |
| Total risk-based capital ratio | 15.4154% | 3,216 |
| Memoranda: | ||
| Average total assets | $831,752,500 | 921 |
| Average earning assets | $779,637,000 | 904 |
| Average equity | $102,626,500 | 831 |
| Average total loans | $587,076,500 | 913 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 1,254 |
| Cost of funding earning assets | 0.4388% | 2,887 |
| Net interest margin | 4.2326% | 1,119 |
| Noninterest income to average assets | 1.5280% | 456 |
| Noninterest expense to average assets | 3.3079% | 1,363 |
| Loan and lease loss provision to assets | 0.2005% | 1,031 |
| Net operating income to assets | 1.8597% | 366 |
| Return on assets (ROA) | 1.7193% | 519 |
| Pretax return on assets | 1.8434% | 702 |
| Return on Equity (ROE) | 14.6410% | 668 |
| Retained earnings to average equity (ytd only) | 8.1543% | 708 |
| Net charge-offs to loans | 0.0486% | 2,814 |
| Credit loss provision to net charge-offs | 613.6691% | 524 |
| Earnings coverage of net charge-offs (x) | 66.8094% | 881 |
| Efficiency ratio | 59.9075% | 4,280 |
| Assets per employee ($millions) | 4.2754% | 3,530 |
| Cash dividends to net income (ytd only)* | 44.3047% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 4,531 |
| Loan loss allowance to noncurrent loans | 166.2258% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6107% | 2,503 |
| Noncurrent loans to loans | 0.5346% | 2,897 |
| Net loans and leases to total assets | 69.6489% | 2,575 |
| Net loans and leases to deposits | 86.1054% | 2,250 |
| Net loans and leases to core deposits | 88.5723% | 2,682 |
| Total domestic deposits to total assets | 80.8880% | 4,143 |
| Equity capital to assets | 12.4246% | 1,561 |
| Core capital (leverage) ratio | 11.3621% | 2,051 |
| Tier 1 risk-based capital ratio | 15.2157% | 2,737 |
| Total risk-based capital ratio | 16.0515% | 2,871 |
| Memoranda: | ||
| Average total assets | $850,672,600 | 876 |
| Average earning assets | $796,537,400 | 863 |
| Average equity | $99,897,800 | 829 |
| Average total loans | $571,977,400 | 904 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 1,238 |
| Cost of funding earning assets | 0.4252% | 2,922 |
| Net interest margin | 4.2302% | 1,081 |
| Noninterest income to average assets | 1.4311% | 524 |
| Noninterest expense to average assets | 3.1546% | 1,666 |
| Loan and lease loss provision to assets | 0.1573% | 1,312 |
| Net operating income to assets | 1.9618% | 339 |
| Return on assets (ROA) | 1.8184% | 460 |
| Pretax return on assets | 1.9308% | 633 |
| Return on Equity (ROE) | 15.7040% | 558 |
| Retained earnings to average equity (ytd only) | 11.7864% | 315 |
| Net charge-offs to loans | -0.0243% | 4,918 |
| Credit loss provision to net charge-offs | -972.1154% | 4,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2378% | 4,470 |
| Assets per employee ($millions) | 4.6280% | 2,937 |
| Cash dividends to net income (ytd only)* | 24.9465% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8447% | 4,778 |
| Loan loss allowance to noncurrent loans | 146.7859% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 2,541 |
| Noncurrent loans to loans | 0.5755% | 2,969 |
| Net loans and leases to total assets | 67.8361% | 2,863 |
| Net loans and leases to deposits | 84.5947% | 2,483 |
| Net loans and leases to core deposits | 86.8617% | 2,885 |
| Total domestic deposits to total assets | 80.1895% | 4,279 |
| Equity capital to assets | 12.4778% | 1,669 |
| Core capital (leverage) ratio | 11.0044% | 2,455 |
| Tier 1 risk-based capital ratio | 15.9252% | 2,538 |
| Total risk-based capital ratio | 16.7440% | 2,662 |
| Memoranda: | ||
| Average total assets | $857,054,000 | 876 |
| Average earning assets | $801,085,500 | 861 |
| Average equity | $99,242,000 | 833 |
| Average total loans | $570,007,000 | 897 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5598% | 1,357 |
| Cost of funding earning assets | 0.3752% | 3,338 |
| Net interest margin | 4.1846% | 1,109 |
| Noninterest income to average assets | 1.4895% | 489 |
| Noninterest expense to average assets | 3.1291% | 1,769 |
| Loan and lease loss provision to assets | 0.1464% | 1,389 |
| Net operating income to assets | 2.0084% | 301 |
| Return on assets (ROA) | 1.8267% | 443 |
| Pretax return on assets | 1.9411% | 599 |
| Return on Equity (ROE) | 16.1815% | 505 |
| Retained earnings to average equity (ytd only) | 12.3572% | 287 |
| Net charge-offs to loans | -0.1065% | 5,429 |
| Credit loss provision to net charge-offs | -208.5809% | 4,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6142% | 4,647 |
| Assets per employee ($millions) | 4.7836% | 2,673 |
| Cash dividends to net income (ytd only)* | 23.6338% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 4,892 |
| Loan loss allowance to noncurrent loans | 122.4967% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 2,505 |
| Noncurrent loans to loans | 0.6703% | 2,743 |
| Net loans and leases to total assets | 66.1241% | 3,083 |
| Net loans and leases to deposits | 81.0334% | 2,800 |
| Net loans and leases to core deposits | 83.5698% | 3,117 |
| Total domestic deposits to total assets | 81.6011% | 4,018 |
| Equity capital to assets | 11.9591% | 1,960 |
| Core capital (leverage) ratio | 10.6039% | 2,810 |
| Tier 1 risk-based capital ratio | 15.7635% | 2,596 |
| Total risk-based capital ratio | 16.5815% | 2,720 |
| Memoranda: | ||
| Average total assets | $863,514,670 | 876 |
| Average earning assets | $806,487,670 | 864 |
| Average equity | $97,481,670 | 852 |
| Average total loans | $568,981,000 | 905 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3716% | 1,746 |
| Cost of funding earning assets | 0.3700% | 3,309 |
| Net interest margin | 4.0015% | 1,471 |
| Noninterest income to average assets | 1.3207% | 590 |
| Noninterest expense to average assets | 3.0389% | 2,057 |
| Loan and lease loss provision to assets | 0.0699% | 2,410 |
| Net operating income to assets | 1.8603% | 399 |
| Return on assets (ROA) | 1.7048% | 554 |
| Pretax return on assets | 1.8023% | 796 |
| Return on Equity (ROE) | 15.5538% | 584 |
| Retained earnings to average equity (ytd only) | 11.8143% | 492 |
| Net charge-offs to loans | 0.0822% | 1,525 |
| Credit loss provision to net charge-offs | 129.9145% | 1,315 |
| Earnings coverage of net charge-offs (x) | 37.6752% | 1,071 |
| Efficiency ratio | 59.5515% | 4,521 |
| Assets per employee ($millions) | 4.6922% | 2,857 |
| Cash dividends to net income (ytd only)* | 24.0421% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6790% | 5,351 |
| Loan loss allowance to noncurrent loans | 156.2526% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 3,139 |
| Noncurrent loans to loans | 0.4345% | 3,541 |
| Net loans and leases to total assets | 64.7781% | 3,151 |
| Net loans and leases to deposits | 83.1860% | 2,374 |
| Net loans and leases to core deposits | 85.8888% | 2,727 |
| Total domestic deposits to total assets | 77.8714% | 4,981 |
| Equity capital to assets | 11.4433% | 2,224 |
| Core capital (leverage) ratio | 10.3189% | 3,088 |
| Tier 1 risk-based capital ratio | 14.7719% | 3,082 |
| Total risk-based capital ratio | 15.4115% | 3,297 |
| Memoranda: | ||
| Average total assets | $869,532,500 | 873 |
| Average earning assets | $813,989,000 | 860 |
| Average equity | $95,308,000 | 863 |
| Average total loans | $569,624,500 | 909 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8616% | 3,706 |
| Cost of funding earning assets | 0.3208% | 3,839 |
| Net interest margin | 3.5408% | 3,283 |
| Noninterest income to average assets | 1.1221% | 913 |
| Noninterest expense to average assets | 2.8392% | 2,880 |
| Loan and lease loss provision to assets | 0.1539% | 1,627 |
| Net operating income to assets | 1.3706% | 1,065 |
| Return on assets (ROA) | 1.3595% | 1,129 |
| Pretax return on assets | 1.4483% | 1,757 |
| Return on Equity (ROE) | 11.1362% | 1,529 |
| Retained earnings to average equity (ytd only) | 5.4963% | 2,017 |
| Net charge-offs to loans | 0.1394% | 1,860 |
| Credit loss provision to net charge-offs | 173.0882% | 1,607 |
| Earnings coverage of net charge-offs (x) | 18.1191% | 1,985 |
| Efficiency ratio | 63.7958% | 3,975 |
| Assets per employee ($millions) | 5.1731% | 2,211 |
| Cash dividends to net income (ytd only)* | 50.6445% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6366% | 5,474 |
| Loan loss allowance to noncurrent loans | 171.6260% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 2,594 |
| Noncurrent loans to loans | 0.3709% | 3,792 |
| Net loans and leases to total assets | 65.3654% | 3,164 |
| Net loans and leases to deposits | 87.7816% | 1,952 |
| Net loans and leases to core deposits | 89.9903% | 2,499 |
| Total domestic deposits to total assets | 74.4637% | 5,408 |
| Equity capital to assets | 10.5002% | 3,156 |
| Core capital (leverage) ratio | 10.9881% | 2,350 |
| Tier 1 risk-based capital ratio | 15.8180% | 2,623 |
| Total risk-based capital ratio | 16.5081% | 2,792 |
| Memoranda: | ||
| Average total assets | $764,696,000 | 942 |
| Average earning assets | $718,790,000 | 926 |
| Average equity | $93,353,200 | 856 |
| Average total loans | $487,805,000 | 993 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9077% | 3,560 |
| Cost of funding earning assets | 0.3195% | 3,874 |
| Net interest margin | 3.5882% | 3,117 |
| Noninterest income to average assets | 1.1758% | 834 |
| Noninterest expense to average assets | 2.8212% | 2,930 |
| Loan and lease loss provision to assets | 0.1849% | 1,182 |
| Net operating income to assets | 1.4573% | 959 |
| Return on assets (ROA) | 1.4394% | 1,040 |
| Pretax return on assets | 1.5270% | 1,623 |
| Return on Equity (ROE) | 11.3110% | 1,554 |
| Retained earnings to average equity (ytd only) | 6.3355% | 1,992 |
| Net charge-offs to loans | 0.2020% | 1,157 |
| Credit loss provision to net charge-offs | 144.8718% | 1,813 |
| Earnings coverage of net charge-offs (x) | 13.5370% | 2,306 |
| Efficiency ratio | 62.0214% | 4,227 |
| Assets per employee ($millions) | 5.3229% | 2,026 |
| Cash dividends to net income (ytd only)* | 43.9883% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7214% | 5,382 |
| Loan loss allowance to noncurrent loans | 329.6744% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 2,795 |
| Noncurrent loans to loans | 0.2188% | 4,483 |
| Net loans and leases to total assets | 63.6307% | 3,447 |
| Net loans and leases to deposits | 92.1187% | 1,477 |
| Net loans and leases to core deposits | 93.9004% | 2,199 |
| Total domestic deposits to total assets | 69.0747% | 5,735 |
| Equity capital to assets | 12.4394% | 1,815 |
| Core capital (leverage) ratio | 11.8336% | 1,789 |
| Tier 1 risk-based capital ratio | 21.4706% | 1,199 |
| Total risk-based capital ratio | 22.3533% | 1,227 |
| Memoranda: | ||
| Average total assets | $733,424,750 | 983 |
| Average earning assets | $689,418,500 | 967 |
| Average equity | $93,334,250 | 858 |
| Average total loans | $463,422,500 | 1,050 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8701% | 3,703 |
| Cost of funding earning assets | 0.3170% | 3,938 |
| Net interest margin | 3.5531% | 3,283 |
| Noninterest income to average assets | 1.1022% | 921 |
| Noninterest expense to average assets | 2.7683% | 3,140 |
| Loan and lease loss provision to assets | 0.0703% | 2,728 |
| Net operating income to assets | 1.5081% | 878 |
| Return on assets (ROA) | 1.5238% | 901 |
| Pretax return on assets | 1.6202% | 1,308 |
| Return on Equity (ROE) | 11.8796% | 1,361 |
| Retained earnings to average equity (ytd only) | 6.9844% | 1,612 |
| Net charge-offs to loans | 0.0163% | 3,190 |
| Credit loss provision to net charge-offs | 686.4865% | 514 |
| Earnings coverage of net charge-offs (x) | 163.3243% | 388 |
| Efficiency ratio | 62.3301% | 4,293 |
| Assets per employee ($millions) | 4.9348% | 2,377 |
| Cash dividends to net income (ytd only)* | 41.2064% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7373% | 5,437 |
| Loan loss allowance to noncurrent loans | 95.1408% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 0.9067% | 2,344 |
| Noncurrent loans to loans | 0.7750% | 2,810 |
| Net loans and leases to total assets | 61.8462% | 3,642 |
| Net loans and leases to deposits | 88.5352% | 1,915 |
| Net loans and leases to core deposits | 90.6692% | 2,470 |
| Total domestic deposits to total assets | 69.8549% | 5,786 |
| Equity capital to assets | 12.6982% | 1,661 |
| Core capital (leverage) ratio | 11.9378% | 1,675 |
| Tier 1 risk-based capital ratio | 22.4793% | 1,080 |
| Total risk-based capital ratio | 23.3945% | 1,106 |
| Memoranda: | ||
| Average total assets | $722,400,330 | 998 |
| Average earning assets | $678,904,670 | 983 |
| Average equity | $92,663,000 | 861 |
| Average total loans | $454,139,330 | 1,070 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8701% | 3,694 |
| Cost of funding earning assets | 0.3173% | 3,980 |
| Net interest margin | 3.5528% | 3,262 |
| Noninterest income to average assets | 0.8637% | 1,400 |
| Noninterest expense to average assets | 2.7662% | 3,196 |
| Loan and lease loss provision to assets | 0.0548% | 2,848 |
| Net operating income to assets | 1.2853% | 1,290 |
| Return on assets (ROA) | 1.4232% | 1,045 |
| Pretax return on assets | 1.5146% | 1,539 |
| Return on Equity (ROE) | 11.0364% | 1,588 |
| Retained earnings to average equity (ytd only) | 6.4266% | 2,178 |
| Net charge-offs to loans | 0.0080% | 2,849 |
| Credit loss provision to net charge-offs | 1,077.7778% | 352 |
| Earnings coverage of net charge-offs (x) | 281.1111% | 213 |
| Efficiency ratio | 65.9489% | 3,813 |
| Assets per employee ($millions) | 4.6392% | 2,837 |
| Cash dividends to net income (ytd only)* | 41.7691% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7366% | 5,525 |
| Loan loss allowance to noncurrent loans | 95.3435% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.9369% | 2,369 |
| Noncurrent loans to loans | 0.7726% | 2,906 |
| Net loans and leases to total assets | 62.9749% | 3,390 |
| Net loans and leases to deposits | 83.6508% | 2,347 |
| Net loans and leases to core deposits | 85.9630% | 2,753 |
| Total domestic deposits to total assets | 75.2831% | 5,492 |
| Equity capital to assets | 12.9840% | 1,420 |
| Core capital (leverage) ratio | 11.8892% | 1,685 |
| Tier 1 risk-based capital ratio | 24.3419% | 885 |
| Total risk-based capital ratio | 25.3119% | 896 |
| Memoranda: | ||
| Average total assets | $708,552,500 | 1,012 |
| Average earning assets | $664,270,500 | 1,001 |
| Average equity | $91,370,000 | 872 |
| Average total loans | $447,533,000 | 1,087 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7784% | 4,107 |
| Cost of funding earning assets | 0.2911% | 4,355 |
| Net interest margin | 3.4873% | 3,567 |
| Noninterest income to average assets | 0.6743% | 2,323 |
| Noninterest expense to average assets | 2.6846% | 3,634 |
| Loan and lease loss provision to assets | 0.0441% | 3,447 |
| Net operating income to assets | 1.1348% | 1,790 |
| Return on assets (ROA) | 1.2370% | 1,483 |
| Pretax return on assets | 1.3048% | 2,267 |
| Return on Equity (ROE) | 9.2627% | 2,335 |
| Retained earnings to average equity (ytd only) | 0.3114% | 5,388 |
| Net charge-offs to loans | 0.1331% | 2,031 |
| Credit loss provision to net charge-offs | 51.8836% | 3,380 |
| Earnings coverage of net charge-offs (x) | 14.6524% | 2,275 |
| Efficiency ratio | 68.3297% | 3,503 |
| Assets per employee ($millions) | 4.6560% | 2,802 |
| Cash dividends to net income (ytd only)* | 96.6381% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 5,593 |
| Loan loss allowance to noncurrent loans | 94.6921% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 2,182 |
| Noncurrent loans to loans | 0.7667% | 2,875 |
| Net loans and leases to total assets | 62.3880% | 3,504 |
| Net loans and leases to deposits | 82.9503% | 2,480 |
| Net loans and leases to core deposits | 85.4106% | 2,835 |
| Total domestic deposits to total assets | 75.2113% | 5,534 |
| Equity capital to assets | 12.7990% | 1,466 |
| Core capital (leverage) ratio | 12.2893% | 1,456 |
| Tier 1 risk-based capital ratio | 24.3762% | 879 |
| Total risk-based capital ratio | 25.3324% | 901 |
| Memoranda: | ||
| Average total assets | $687,695,800 | 1,003 |
| Average earning assets | $641,812,600 | 989 |
| Average equity | $91,841,000 | 825 |
| Average total loans | $438,914,200 | 1,044 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 4,058 |
| Cost of funding earning assets | 0.2926% | 4,423 |
| Net interest margin | 3.5172% | 3,474 |
| Noninterest income to average assets | 0.6013% | 2,732 |
| Noninterest expense to average assets | 2.5545% | 4,035 |
| Loan and lease loss provision to assets | 0.0396% | 3,419 |
| Net operating income to assets | 1.2021% | 1,641 |
| Return on assets (ROA) | 1.3093% | 1,367 |
| Pretax return on assets | 1.3946% | 2,037 |
| Return on Equity (ROE) | 9.6992% | 2,221 |
| Retained earnings to average equity (ytd only) | 4.2492% | 3,441 |
| Net charge-offs to loans | 0.1689% | 1,471 |
| Credit loss provision to net charge-offs | 36.6426% | 3,202 |
| Earnings coverage of net charge-offs (x) | 12.2400% | 2,424 |
| Efficiency ratio | 65.8577% | 3,913 |
| Assets per employee ($millions) | 4.4786% | 3,047 |
| Cash dividends to net income (ytd only)* | 56.1903% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7428% | 5,636 |
| Loan loss allowance to noncurrent loans | 88.7858% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.0660% | 2,232 |
| Noncurrent loans to loans | 0.8366% | 2,880 |
| Net loans and leases to total assets | 62.4212% | 3,549 |
| Net loans and leases to deposits | 82.3039% | 2,611 |
| Net loans and leases to core deposits | 85.2821% | 2,923 |
| Total domestic deposits to total assets | 75.8423% | 5,513 |
| Equity capital to assets | 13.7976% | 1,103 |
| Core capital (leverage) ratio | 12.5858% | 1,365 |
| Tier 1 risk-based capital ratio | 25.4987% | 810 |
| Total risk-based capital ratio | 26.4461% | 820 |
| Memoranda: | ||
| Average total assets | $682,692,250 | 1,016 |
| Average earning assets | $636,167,750 | 1,007 |
| Average equity | $92,156,250 | 830 |
| Average total loans | $437,454,000 | 1,050 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8243% | 3,976 |
| Cost of funding earning assets | 0.2903% | 4,504 |
| Net interest margin | 3.5340% | 3,361 |
| Noninterest income to average assets | 0.7021% | 2,208 |
| Noninterest expense to average assets | 2.3842% | 4,601 |
| Loan and lease loss provision to assets | 0.0242% | 3,651 |
| Net operating income to assets | 1.4912% | 911 |
| Return on assets (ROA) | 1.5283% | 900 |
| Pretax return on assets | 1.6287% | 1,254 |
| Return on Equity (ROE) | 11.4043% | 1,558 |
| Retained earnings to average equity (ytd only) | 5.9321% | 2,285 |
| Net charge-offs to loans | 0.2011% | 1,253 |
| Credit loss provision to net charge-offs | 18.6937% | 3,028 |
| Earnings coverage of net charge-offs (x) | 12.4437% | 2,200 |
| Efficiency ratio | 59.6391% | 5,029 |
| Assets per employee ($millions) | 5.0463% | 2,218 |
| Cash dividends to net income (ytd only)* | 47.9839% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7120% | 5,790 |
| Loan loss allowance to noncurrent loans | 85.8038% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 1,928 |
| Noncurrent loans to loans | 0.8298% | 3,049 |
| Net loans and leases to total assets | 63.0595% | 3,405 |
| Net loans and leases to deposits | 83.6186% | 2,363 |
| Net loans and leases to core deposits | 86.5827% | 2,698 |
| Total domestic deposits to total assets | 75.4132% | 5,660 |
| Equity capital to assets | 13.2583% | 1,271 |
| Core capital (leverage) ratio | 12.5029% | 1,382 |
| Tier 1 risk-based capital ratio | 23.6803% | 989 |
| Total risk-based capital ratio | 24.5601% | 1,016 |
| Memoranda: | ||
| Average total assets | $684,833,000 | 1,020 |
| Average earning assets | $638,647,330 | 998 |
| Average equity | $91,772,000 | 838 |
| Average total loans | $441,507,000 | 1,046 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7852% | 4,069 |
| Cost of funding earning assets | 0.2935% | 4,513 |
| Net interest margin | 3.4917% | 3,473 |
| Noninterest income to average assets | 0.6886% | 2,213 |
| Noninterest expense to average assets | 2.4481% | 4,455 |
| Loan and lease loss provision to assets | 0.0153% | 3,526 |
| Net operating income to assets | 1.4073% | 1,020 |
| Return on assets (ROA) | 1.4821% | 932 |
| Pretax return on assets | 1.5769% | 1,326 |
| Return on Equity (ROE) | 10.9997% | 1,635 |
| Retained earnings to average equity (ytd only) | 5.5130% | 2,770 |
| Net charge-offs to loans | 0.3809% | 646 |
| Credit loss provision to net charge-offs | 6.1905% | 2,456 |
| Earnings coverage of net charge-offs (x) | 6.1143% | 2,325 |
| Efficiency ratio | 61.8084% | 4,828 |
| Assets per employee ($millions) | 4.8218% | 2,592 |
| Cash dividends to net income (ytd only)* | 49.8808% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6950% | 5,913 |
| Loan loss allowance to noncurrent loans | 94.0253% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.4889% | 1,767 |
| Noncurrent loans to loans | 0.7391% | 3,413 |
| Net loans and leases to total assets | 64.5724% | 3,013 |
| Net loans and leases to deposits | 85.1988% | 1,930 |
| Net loans and leases to core deposits | 88.5408% | 2,266 |
| Total domestic deposits to total assets | 75.7903% | 5,761 |
| Equity capital to assets | 13.3708% | 1,231 |
| Core capital (leverage) ratio | 12.6760% | 1,278 |
| Tier 1 risk-based capital ratio | 23.3157% | 1,072 |
| Total risk-based capital ratio | 24.1874% | 1,100 |
| Memoranda: | ||
| Average total assets | $679,056,000 | 1,029 |
| Average earning assets | $636,375,000 | 1,006 |
| Average equity | $91,493,500 | 842 |
| Average total loans | $441,117,000 | 1,049 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0548% | 3,507 |
| Cost of funding earning assets | 0.3365% | 4,409 |
| Net interest margin | 3.7183% | 2,942 |
| Noninterest income to average assets | 0.6876% | 2,357 |
| Noninterest expense to average assets | 2.5140% | 4,499 |
| Loan and lease loss provision to assets | -0.0663% | 6,080 |
| Net operating income to assets | 1.5930% | 712 |
| Return on assets (ROA) | 1.6121% | 727 |
| Pretax return on assets | 1.7178% | 950 |
| Return on Equity (ROE) | 11.6367% | 1,513 |
| Retained earnings to average equity (ytd only) | 0.9076% | 5,375 |
| Net charge-offs to loans | 0.2334% | 1,809 |
| Credit loss provision to net charge-offs | -44.9108% | 5,410 |
| Earnings coverage of net charge-offs (x) | 11.0546% | 2,551 |
| Efficiency ratio | 60.6477% | 5,125 |
| Assets per employee ($millions) | 4.5794% | 2,906 |
| Cash dividends to net income (ytd only)* | 92.2006% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 5,748 |
| Loan loss allowance to noncurrent loans | 43.8257% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 1.6207% | 1,666 |
| Noncurrent loans to loans | 1.8459% | 1,546 |
| Net loans and leases to total assets | 64.3694% | 3,164 |
| Net loans and leases to deposits | 85.0663% | 2,090 |
| Net loans and leases to core deposits | 88.6880% | 2,421 |
| Total domestic deposits to total assets | 75.6696% | 5,790 |
| Equity capital to assets | 13.5797% | 1,122 |
| Core capital (leverage) ratio | 12.4321% | 1,384 |
| Tier 1 risk-based capital ratio | 27.6469% | 635 |
| Total risk-based capital ratio | 28.8250% | 624 |
| Memoranda: | ||
| Average total assets | $645,823,600 | 1,040 |
| Average earning assets | $600,549,600 | 1,022 |
| Average equity | $89,466,600 | 823 |
| Average total loans | $408,268,200 | 1,075 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 3,316 |
| Cost of funding earning assets | 0.3418% | 4,439 |
| Net interest margin | 3.7740% | 2,716 |
| Noninterest income to average assets | 0.6871% | 2,394 |
| Noninterest expense to average assets | 2.4969% | 4,536 |
| Loan and lease loss provision to assets | 0.0075% | 4,268 |
| Net operating income to assets | 1.5750% | 802 |
| Return on assets (ROA) | 1.5965% | 791 |
| Pretax return on assets | 1.7036% | 1,058 |
| Return on Equity (ROE) | 11.4655% | 1,640 |
| Retained earnings to average equity (ytd only) | 5.8322% | 2,513 |
| Net charge-offs to loans | 0.0959% | 2,849 |
| Credit loss provision to net charge-offs | 12.4567% | 3,677 |
| Earnings coverage of net charge-offs (x) | 28.0453% | 1,432 |
| Efficiency ratio | 59.6626% | 5,230 |
| Assets per employee ($millions) | 4.4442% | 3,061 |
| Cash dividends to net income (ytd only)* | 49.1325% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 4,685 |
| Loan loss allowance to noncurrent loans | 52.5136% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 1.7996% | 1,653 |
| Noncurrent loans to loans | 2.1226% | 1,471 |
| Net loans and leases to total assets | 62.9815% | 3,345 |
| Net loans and leases to deposits | 82.8216% | 2,317 |
| Net loans and leases to core deposits | 85.9643% | 2,672 |
| Total domestic deposits to total assets | 76.0447% | 5,809 |
| Equity capital to assets | 14.3351% | 898 |
| Core capital (leverage) ratio | 13.4086% | 1,028 |
| Tier 1 risk-based capital ratio | 27.5856% | 670 |
| Total risk-based capital ratio | 28.8386% | 652 |
| Memoranda: | ||
| Average total assets | $640,130,500 | 1,060 |
| Average earning assets | $593,305,000 | 1,039 |
| Average equity | $89,135,000 | 826 |
| Average total loans | $401,865,000 | 1,090 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 3,147 |
| Cost of funding earning assets | 0.3479% | 4,456 |
| Net interest margin | 3.8021% | 2,567 |
| Noninterest income to average assets | 0.6625% | 2,470 |
| Noninterest expense to average assets | 2.5098% | 4,550 |
| Loan and lease loss provision to assets | 0.0066% | 4,104 |
| Net operating income to assets | 1.5421% | 811 |
| Return on assets (ROA) | 1.5623% | 807 |
| Pretax return on assets | 1.6714% | 1,082 |
| Return on Equity (ROE) | 11.3341% | 1,621 |
| Retained earnings to average equity (ytd only) | 5.6031% | 2,577 |
| Net charge-offs to loans | 0.1229% | 2,443 |
| Credit loss provision to net charge-offs | 8.6066% | 3,316 |
| Earnings coverage of net charge-offs (x) | 21.5779% | 1,536 |
| Efficiency ratio | 60.2431% | 5,261 |
| Assets per employee ($millions) | 4.2529% | 3,361 |
| Cash dividends to net income (ytd only)* | 50.5638% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 4,474 |
| Loan loss allowance to noncurrent loans | 51.4210% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 1.8876% | 1,716 |
| Noncurrent loans to loans | 2.3114% | 1,399 |
| Net loans and leases to total assets | 60.4318% | 3,647 |
| Net loans and leases to deposits | 77.6082% | 2,849 |
| Net loans and leases to core deposits | 80.1484% | 3,192 |
| Total domestic deposits to total assets | 77.8679% | 5,660 |
| Equity capital to assets | 14.2082% | 898 |
| Core capital (leverage) ratio | 13.6451% | 934 |
| Tier 1 risk-based capital ratio | 26.9786% | 701 |
| Total risk-based capital ratio | 28.2316% | 690 |
| Memoranda: | ||
| Average total assets | $635,741,670 | 1,062 |
| Average earning assets | $585,826,670 | 1,053 |
| Average equity | $87,629,670 | 833 |
| Average total loans | $397,122,000 | 1,099 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 2,992 |
| Cost of funding earning assets | 0.3558% | 4,482 |
| Net interest margin | 3.8133% | 2,413 |
| Noninterest income to average assets | 0.6722% | 2,334 |
| Noninterest expense to average assets | 2.4790% | 4,687 |
| Loan and lease loss provision to assets | 0.0006% | 3,816 |
| Net operating income to assets | 1.5926% | 674 |
| Return on assets (ROA) | 1.5962% | 700 |
| Pretax return on assets | 1.7075% | 963 |
| Return on Equity (ROE) | 11.7638% | 1,472 |
| Retained earnings to average equity (ytd only) | 5.9099% | 2,585 |
| Net charge-offs to loans | 0.0481% | 2,712 |
| Credit loss provision to net charge-offs | 2.0833% | 2,673 |
| Earnings coverage of net charge-offs (x) | 56.1458% | 692 |
| Efficiency ratio | 59.2593% | 5,503 |
| Assets per employee ($millions) | 4.2034% | 3,518 |
| Cash dividends to net income (ytd only)* | 49.7623% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 4,167 |
| Loan loss allowance to noncurrent loans | 71.5193% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.7645% | 1,991 |
| Noncurrent loans to loans | 1.8062% | 2,130 |
| Net loans and leases to total assets | 59.1000% | 3,683 |
| Net loans and leases to deposits | 71.9658% | 3,339 |
| Net loans and leases to core deposits | 74.4206% | 3,604 |
| Total domestic deposits to total assets | 82.1224% | 4,902 |
| Equity capital to assets | 14.0742% | 894 |
| Core capital (leverage) ratio | 13.3831% | 1,012 |
| Tier 1 risk-based capital ratio | 26.5698% | 743 |
| Total risk-based capital ratio | 27.8235% | 731 |
| Memoranda: | ||
| Average total assets | $632,516,000 | 1,075 |
| Average earning assets | $582,385,000 | 1,066 |
| Average equity | $85,822,500 | 854 |
| Average total loans | $399,304,500 | 1,101 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3512% | 2,768 |
| Cost of funding earning assets | 0.4046% | 4,595 |
| Net interest margin | 3.9466% | 2,114 |
| Noninterest income to average assets | 0.5394% | 3,484 |
| Noninterest expense to average assets | 2.5327% | 4,665 |
| Loan and lease loss provision to assets | -0.0745% | 6,439 |
| Net operating income to assets | 1.6228% | 662 |
| Return on assets (ROA) | 1.6520% | 645 |
| Pretax return on assets | 1.7601% | 834 |
| Return on Equity (ROE) | 11.5974% | 1,556 |
| Retained earnings to average equity (ytd only) | 0.4822% | 5,627 |
| Net charge-offs to loans | 0.1105% | 3,723 |
| Credit loss provision to net charge-offs | -102.6144% | 5,888 |
| Earnings coverage of net charge-offs (x) | 22.7756% | 1,438 |
| Efficiency ratio | 60.4868% | 5,410 |
| Assets per employee ($millions) | 4.2867% | 3,298 |
| Cash dividends to net income (ytd only)* | 95.8421% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 4,886 |
| Loan loss allowance to noncurrent loans | 84.6340% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.3522% | 2,721 |
| Noncurrent loans to loans | 1.3642% | 2,857 |
| Net loans and leases to total assets | 65.5566% | 2,761 |
| Net loans and leases to deposits | 82.5526% | 2,123 |
| Net loans and leases to core deposits | 85.2466% | 2,537 |
| Total domestic deposits to total assets | 79.4119% | 5,573 |
| Equity capital to assets | 13.0725% | 1,240 |
| Core capital (leverage) ratio | 12.8749% | 1,190 |
| Tier 1 risk-based capital ratio | 26.4655% | 736 |
| Total risk-based capital ratio | 27.7196% | 714 |
| Memoranda: | ||
| Average total assets | $631,849,600 | 1,058 |
| Average earning assets | $584,020,600 | 1,049 |
| Average equity | $90,003,200 | 783 |
| Average total loans | $415,543,200 | 1,027 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3525% | 2,773 |
| Cost of funding earning assets | 0.4157% | 4,667 |
| Net interest margin | 3.9368% | 2,156 |
| Noninterest income to average assets | 0.4989% | 3,811 |
| Noninterest expense to average assets | 2.4557% | 4,858 |
| Loan and lease loss provision to assets | 0.0127% | 4,746 |
| Net operating income to assets | 1.5735% | 789 |
| Return on assets (ROA) | 1.6083% | 783 |
| Pretax return on assets | 1.6902% | 1,119 |
| Return on Equity (ROE) | 11.0602% | 1,796 |
| Retained earnings to average equity (ytd only) | 11.0602% | 566 |
| Net charge-offs to loans | 0.1319% | 3,221 |
| Credit loss provision to net charge-offs | 14.6699% | 4,153 |
| Earnings coverage of net charge-offs (x) | 19.2543% | 1,637 |
| Efficiency ratio | 59.5760% | 5,488 |
| Assets per employee ($millions) | 4.2678% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 4,479 |
| Loan loss allowance to noncurrent loans | 83.5037% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.5213% | 2,651 |
| Noncurrent loans to loans | 1.5369% | 2,863 |
| Net loans and leases to total assets | 66.1882% | 2,609 |
| Net loans and leases to deposits | 85.7856% | 1,640 |
| Net loans and leases to core deposits | 88.6798% | 2,115 |
| Total domestic deposits to total assets | 77.1554% | 6,029 |
| Equity capital to assets | 14.4452% | 838 |
| Core capital (leverage) ratio | 14.5330% | 725 |
| Tier 1 risk-based capital ratio | 28.1251% | 626 |
| Total risk-based capital ratio | 29.3810% | 612 |
| Memoranda: | ||
| Average total assets | $630,131,000 | 1,069 |
| Average earning assets | $579,910,250 | 1,060 |
| Average equity | $91,629,750 | 771 |
| Average total loans | $413,524,750 | 1,032 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 2,551 |
| Cost of funding earning assets | 0.4271% | 4,684 |
| Net interest margin | 3.9772% | 1,938 |
| Noninterest income to average assets | 0.4820% | 3,952 |
| Noninterest expense to average assets | 2.4810% | 4,802 |
| Loan and lease loss provision to assets | 0.0060% | 4,717 |
| Net operating income to assets | 1.5590% | 805 |
| Return on assets (ROA) | 1.6014% | 819 |
| Pretax return on assets | 1.6832% | 1,151 |
| Return on Equity (ROE) | 10.9881% | 1,811 |
| Retained earnings to average equity (ytd only) | 10.9881% | 645 |
| Net charge-offs to loans | 0.1378% | 3,001 |
| Credit loss provision to net charge-offs | 6.7376% | 3,936 |
| Earnings coverage of net charge-offs (x) | 18.3191% | 1,559 |
| Efficiency ratio | 60.1358% | 5,469 |
| Assets per employee ($millions) | 4.0740% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 4,000 |
| Loan loss allowance to noncurrent loans | 143.0999% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 1.2899% | 3,189 |
| Noncurrent loans to loans | 0.9840% | 3,970 |
| Net loans and leases to total assets | 63.2599% | 3,053 |
| Net loans and leases to deposits | 78.1758% | 2,548 |
| Net loans and leases to core deposits | 80.7704% | 2,942 |
| Total domestic deposits to total assets | 80.9200% | 5,359 |
| Equity capital to assets | 14.8036% | 754 |
| Core capital (leverage) ratio | 14.0435% | 812 |
| Tier 1 risk-based capital ratio | 27.8160% | 639 |
| Total risk-based capital ratio | 29.0728% | 629 |
| Memoranda: | ||
| Average total assets | $628,206,330 | 1,069 |
| Average earning assets | $575,536,000 | 1,062 |
| Average equity | $91,553,670 | 773 |
| Average total loans | $409,244,330 | 1,036 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 2,433 |
| Cost of funding earning assets | 0.4304% | 4,803 |
| Net interest margin | 3.9969% | 1,800 |
| Noninterest income to average assets | 0.3283% | 5,077 |
| Noninterest expense to average assets | 2.4199% | 5,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5065% | 847 |
| Return on assets (ROA) | 1.5377% | 865 |
| Pretax return on assets | 1.6164% | 1,265 |
| Return on Equity (ROE) | 10.6322% | 1,825 |
| Retained earnings to average equity (ytd only) | 10.6322% | 954 |
| Net charge-offs to loans | 0.0259% | 3,668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 93.0741% | 411 |
| Efficiency ratio | 60.4439% | 5,525 |
| Assets per employee ($millions) | 4.1235% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 4,156 |
| Loan loss allowance to noncurrent loans | 157.3174% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.3366% | 3,287 |
| Noncurrent loans to loans | 0.9002% | 4,336 |
| Net loans and leases to total assets | 65.2077% | 2,512 |
| Net loans and leases to deposits | 79.1832% | 2,189 |
| Net loans and leases to core deposits | 81.8717% | 2,586 |
| Total domestic deposits to total assets | 82.3504% | 5,077 |
| Equity capital to assets | 14.9714% | 763 |
| Core capital (leverage) ratio | 13.3742% | 984 |
| Tier 1 risk-based capital ratio | 26.9819% | 712 |
| Total risk-based capital ratio | 28.2396% | 697 |
| Memoranda: | ||
| Average total assets | $634,725,000 | 1,076 |
| Average earning assets | $583,649,500 | 1,063 |
| Average equity | $91,797,000 | 779 |
| Average total loans | $416,510,000 | 1,026 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6231% | 2,906 |
| Cost of funding earning assets | 0.5268% | 5,014 |
| Net interest margin | 4.0963% | 2,020 |
| Noninterest income to average assets | 0.8468% | 2,053 |
| Noninterest expense to average assets | 2.4858% | 5,149 |
| Loan and lease loss provision to assets | 0.1857% | 3,317 |
| Net operating income to assets | 1.7854% | 524 |
| Return on assets (ROA) | 1.8043% | 567 |
| Pretax return on assets | 1.9151% | 729 |
| Return on Equity (ROE) | 13.0191% | 1,218 |
| Retained earnings to average equity (ytd only) | 6.6717% | 1,734 |
| Net charge-offs to loans | 0.6802% | 1,735 |
| Credit loss provision to net charge-offs | 41.5266% | 4,909 |
| Earnings coverage of net charge-offs (x) | 4.6523% | 3,298 |
| Efficiency ratio | 54.4373% | 6,219 |
| Assets per employee ($millions) | 4.2268% | 3,496 |
| Cash dividends to net income (ytd only)* | 48.7547% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 4,293 |
| Loan loss allowance to noncurrent loans | 235.9546% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 1.2919% | 3,493 |
| Noncurrent loans to loans | 0.5820% | 5,073 |
| Net loans and leases to total assets | 64.2284% | 2,867 |
| Net loans and leases to deposits | 83.4577% | 1,820 |
| Net loans and leases to core deposits | 85.7818% | 2,340 |
| Total domestic deposits to total assets | 76.9593% | 6,232 |
| Equity capital to assets | 13.9789% | 1,052 |
| Core capital (leverage) ratio | 12.1884% | 1,457 |
| Tier 1 risk-based capital ratio | 25.9656% | 774 |
| Total risk-based capital ratio | 27.2287% | 762 |
| Memoranda: | ||
| Average total assets | $638,624,600 | 1,035 |
| Average earning assets | $579,890,400 | 1,046 |
| Average equity | $88,508,400 | 785 |
| Average total loans | $419,874,400 | 998 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6303% | 3,098 |
| Cost of funding earning assets | 0.5518% | 5,071 |
| Net interest margin | 4.0784% | 2,180 |
| Noninterest income to average assets | 0.9424% | 1,697 |
| Noninterest expense to average assets | 2.4302% | 5,307 |
| Loan and lease loss provision to assets | 0.2320% | 2,719 |
| Net operating income to assets | 1.8409% | 526 |
| Return on assets (ROA) | 1.8614% | 575 |
| Pretax return on assets | 1.9890% | 712 |
| Return on Equity (ROE) | 13.4608% | 1,234 |
| Retained earnings to average equity (ytd only) | 13.4608% | 354 |
| Net charge-offs to loans | 0.8890% | 1,228 |
| Credit loss provision to net charge-offs | 39.5990% | 4,628 |
| Earnings coverage of net charge-offs (x) | 3.7533% | 3,527 |
| Efficiency ratio | 52.4947% | 6,404 |
| Assets per employee ($millions) | 4.2709% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 4,486 |
| Loan loss allowance to noncurrent loans | 266.7279% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 3,643 |
| Noncurrent loans to loans | 0.5147% | 5,410 |
| Net loans and leases to total assets | 61.7925% | 3,426 |
| Net loans and leases to deposits | 84.3776% | 1,824 |
| Net loans and leases to core deposits | 87.4473% | 2,286 |
| Total domestic deposits to total assets | 73.2332% | 6,663 |
| Equity capital to assets | 13.8466% | 1,218 |
| Core capital (leverage) ratio | 13.1362% | 1,137 |
| Tier 1 risk-based capital ratio | 26.8119% | 756 |
| Total risk-based capital ratio | 28.0790% | 738 |
| Memoranda: | ||
| Average total assets | $635,549,500 | 1,046 |
| Average earning assets | $574,552,000 | 1,054 |
| Average equity | $87,887,500 | 794 |
| Average total loans | $418,868,000 | 1,002 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7079% | 2,880 |
| Cost of funding earning assets | 0.5835% | 5,042 |
| Net interest margin | 4.1244% | 1,992 |
| Noninterest income to average assets | 0.9199% | 1,713 |
| Noninterest expense to average assets | 2.5010% | 5,133 |
| Loan and lease loss provision to assets | 0.0678% | 4,783 |
| Net operating income to assets | 1.9271% | 440 |
| Return on assets (ROA) | 1.9426% | 493 |
| Pretax return on assets | 2.0830% | 593 |
| Return on Equity (ROE) | 14.0544% | 1,101 |
| Retained earnings to average equity (ytd only) | 14.0544% | 342 |
| Net charge-offs to loans | 0.6500% | 1,697 |
| Credit loss provision to net charge-offs | 15.5490% | 4,673 |
| Earnings coverage of net charge-offs (x) | 4.8946% | 2,962 |
| Efficiency ratio | 53.9581% | 6,319 |
| Assets per employee ($millions) | 3.8646% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 3,716 |
| Loan loss allowance to noncurrent loans | 74.4981% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 2.3311% | 2,396 |
| Noncurrent loans to loans | 2.1030% | 2,819 |
| Net loans and leases to total assets | 64.0713% | 3,017 |
| Net loans and leases to deposits | 79.7458% | 2,416 |
| Net loans and leases to core deposits | 82.7323% | 2,866 |
| Total domestic deposits to total assets | 80.3444% | 5,651 |
| Equity capital to assets | 14.4310% | 939 |
| Core capital (leverage) ratio | 13.0606% | 1,133 |
| Tier 1 risk-based capital ratio | 25.7242% | 832 |
| Total risk-based capital ratio | 26.9834% | 815 |
| Memoranda: | ||
| Average total assets | $622,463,670 | 1,067 |
| Average earning assets | $560,716,670 | 1,087 |
| Average equity | $86,037,330 | 803 |
| Average total loans | $417,562,670 | 1,004 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 3,071 |
| Cost of funding earning assets | 0.6036% | 5,094 |
| Net interest margin | 4.0919% | 2,125 |
| Noninterest income to average assets | 1.0370% | 1,342 |
| Noninterest expense to average assets | 2.4742% | 5,237 |
| Loan and lease loss provision to assets | 0.1356% | 3,652 |
| Net operating income to assets | 2.0115% | 409 |
| Return on assets (ROA) | 2.0309% | 455 |
| Pretax return on assets | 2.1632% | 575 |
| Return on Equity (ROE) | 15.0236% | 968 |
| Retained earnings to average equity (ytd only) | 15.0236% | 447 |
| Net charge-offs to loans | 0.2293% | 2,781 |
| Credit loss provision to net charge-offs | 86.8313% | 2,608 |
| Earnings coverage of net charge-offs (x) | 14.5926% | 1,459 |
| Efficiency ratio | 52.0616% | 6,536 |
| Assets per employee ($millions) | 4.1332% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 3,144 |
| Loan loss allowance to noncurrent loans | 84.2730% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 2.2193% | 2,674 |
| Noncurrent loans to loans | 2.0830% | 3,050 |
| Net loans and leases to total assets | 65.5830% | 2,549 |
| Net loans and leases to deposits | 81.5803% | 1,989 |
| Net loans and leases to core deposits | 84.2490% | 2,519 |
| Total domestic deposits to total assets | 80.3908% | 5,752 |
| Equity capital to assets | 13.5291% | 1,228 |
| Core capital (leverage) ratio | 12.3987% | 1,386 |
| Tier 1 risk-based capital ratio | 24.5593% | 944 |
| Total risk-based capital ratio | 25.8267% | 929 |
| Memoranda: | ||
| Average total assets | $622,593,500 | 1,068 |
| Average earning assets | $565,317,500 | 1,079 |
| Average equity | $84,161,000 | 816 |
| Average total loans | $423,844,500 | 986 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 3,197 |
| Cost of funding earning assets | 0.8126% | 4,771 |
| Net interest margin | 4.1190% | 2,354 |
| Noninterest income to average assets | 0.7822% | 2,153 |
| Noninterest expense to average assets | 2.5329% | 5,342 |
| Loan and lease loss provision to assets | 0.5958% | 1,738 |
| Net operating income to assets | 1.3250% | 1,186 |
| Return on assets (ROA) | 1.4674% | 969 |
| Pretax return on assets | 1.5708% | 1,275 |
| Return on Equity (ROE) | 11.2000% | 1,648 |
| Retained earnings to average equity (ytd only) | 5.0537% | 2,600 |
| Net charge-offs to loans | 0.9200% | 1,883 |
| Credit loss provision to net charge-offs | 91.5479% | 3,941 |
| Earnings coverage of net charge-offs (x) | 3.0937% | 3,659 |
| Efficiency ratio | 55.6835% | 6,354 |
| Assets per employee ($millions) | 3.9269% | 4,017 |
| Cash dividends to net income (ytd only)* | 54.8780% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7718% | 2,960 |
| Loan loss allowance to noncurrent loans | 61.6695% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 2.6617% | 2,289 |
| Noncurrent loans to loans | 2.8731% | 2,274 |
| Net loans and leases to total assets | 68.2294% | 2,347 |
| Net loans and leases to deposits | 83.2282% | 2,035 |
| Net loans and leases to core deposits | 86.0728% | 2,624 |
| Total domestic deposits to total assets | 81.9787% | 5,134 |
| Equity capital to assets | 13.5060% | 1,260 |
| Core capital (leverage) ratio | 12.6592% | 1,284 |
| Tier 1 risk-based capital ratio | 23.5506% | 1,021 |
| Total risk-based capital ratio | 24.8140% | 1,002 |
| Memoranda: | ||
| Average total assets | $603,530,400 | 1,085 |
| Average earning assets | $551,539,800 | 1,079 |
| Average equity | $79,071,200 | 851 |
| Average total loans | $426,969,200 | 980 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9128% | 3,497 |
| Cost of funding earning assets | 0.8589% | 4,711 |
| Net interest margin | 4.0539% | 2,677 |
| Noninterest income to average assets | 0.9343% | 1,534 |
| Noninterest expense to average assets | 2.5444% | 5,303 |
| Loan and lease loss provision to assets | 0.5311% | 1,861 |
| Net operating income to assets | 1.4373% | 1,084 |
| Return on assets (ROA) | 1.6206% | 820 |
| Pretax return on assets | 1.7561% | 1,027 |
| Return on Equity (ROE) | 12.4666% | 1,424 |
| Retained earnings to average equity (ytd only) | 12.4666% | 439 |
| Net charge-offs to loans | 0.5417% | 2,613 |
| Credit loss provision to net charge-offs | 137.9528% | 2,311 |
| Earnings coverage of net charge-offs (x) | 5.4232% | 2,794 |
| Efficiency ratio | 54.8891% | 6,398 |
| Assets per employee ($millions) | 3.9197% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0591% | 2,180 |
| Loan loss allowance to noncurrent loans | 66.2372% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 2.8906% | 2,239 |
| Noncurrent loans to loans | 3.1086% | 2,232 |
| Net loans and leases to total assets | 67.7249% | 2,529 |
| Net loans and leases to deposits | 81.2873% | 2,489 |
| Net loans and leases to core deposits | 84.4698% | 2,989 |
| Total domestic deposits to total assets | 83.3154% | 4,553 |
| Equity capital to assets | 14.2676% | 1,062 |
| Core capital (leverage) ratio | 13.1343% | 1,177 |
| Tier 1 risk-based capital ratio | 24.3282% | 976 |
| Total risk-based capital ratio | 25.5952% | 960 |
| Memoranda: | ||
| Average total assets | $602,245,500 | 1,093 |
| Average earning assets | $549,379,500 | 1,090 |
| Average equity | $78,287,250 | 867 |
| Average total loans | $428,015,750 | 989 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 3,684 |
| Cost of funding earning assets | 0.8992% | 4,681 |
| Net interest margin | 3.9862% | 2,907 |
| Noninterest income to average assets | 1.0440% | 1,209 |
| Noninterest expense to average assets | 2.4527% | 5,695 |
| Loan and lease loss provision to assets | 0.3200% | 2,867 |
| Net operating income to assets | 1.7830% | 522 |
| Return on assets (ROA) | 1.8061% | 530 |
| Pretax return on assets | 1.9414% | 652 |
| Return on Equity (ROE) | 14.3542% | 906 |
| Retained earnings to average equity (ytd only) | 14.3542% | 288 |
| Net charge-offs to loans | 0.7536% | 1,991 |
| Credit loss provision to net charge-offs | 59.2162% | 4,357 |
| Earnings coverage of net charge-offs (x) | 4.1390% | 2,951 |
| Efficiency ratio | 52.2475% | 6,769 |
| Assets per employee ($millions) | 3.9774% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6897% | 3,363 |
| Loan loss allowance to noncurrent loans | 62.4738% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 2.8555% | 2,351 |
| Noncurrent loans to loans | 2.7046% | 2,690 |
| Net loans and leases to total assets | 68.4284% | 2,530 |
| Net loans and leases to deposits | 83.9422% | 2,117 |
| Net loans and leases to core deposits | 87.0994% | 2,752 |
| Total domestic deposits to total assets | 81.5185% | 5,344 |
| Equity capital to assets | 13.2575% | 1,404 |
| Core capital (leverage) ratio | 12.7541% | 1,267 |
| Tier 1 risk-based capital ratio | 23.3996% | 1,074 |
| Total risk-based capital ratio | 24.6612% | 1,056 |
| Memoranda: | ||
| Average total assets | $604,395,330 | 1,099 |
| Average earning assets | $552,711,000 | 1,094 |
| Average equity | $76,047,670 | 888 |
| Average total loans | $433,359,330 | 993 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8310% | 3,908 |
| Cost of funding earning assets | 0.9572% | 4,511 |
| Net interest margin | 3.8738% | 3,277 |
| Noninterest income to average assets | 1.3973% | 667 |
| Noninterest expense to average assets | 2.4678% | 5,681 |
| Loan and lease loss provision to assets | 0.2922% | 2,820 |
| Net operating income to assets | 2.0428% | 326 |
| Return on assets (ROA) | 2.0428% | 341 |
| Pretax return on assets | 2.1796% | 413 |
| Return on Equity (ROE) | 16.6872% | 609 |
| Retained earnings to average equity (ytd only) | 16.6872% | 300 |
| Net charge-offs to loans | 0.7356% | 1,746 |
| Credit loss provision to net charge-offs | 54.5906% | 3,658 |
| Earnings coverage of net charge-offs (x) | 4.6179% | 2,430 |
| Efficiency ratio | 49.8521% | 6,995 |
| Assets per employee ($millions) | 4.0497% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 3,210 |
| Loan loss allowance to noncurrent loans | 54.2170% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 2.9076% | 2,373 |
| Noncurrent loans to loans | 3.2103% | 2,336 |
| Net loans and leases to total assets | 68.8424% | 2,369 |
| Net loans and leases to deposits | 81.5592% | 2,437 |
| Net loans and leases to core deposits | 84.7187% | 3,065 |
| Total domestic deposits to total assets | 84.4080% | 4,322 |
| Equity capital to assets | 12.4279% | 1,663 |
| Core capital (leverage) ratio | 12.4600% | 1,341 |
| Tier 1 risk-based capital ratio | 22.1193% | 1,208 |
| Total risk-based capital ratio | 23.3809% | 1,183 |
| Memoranda: | ||
| Average total assets | $602,324,500 | 1,111 |
| Average earning assets | $550,774,500 | 1,108 |
| Average equity | $73,733,000 | 910 |
| Average total loans | $438,254,500 | 994 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3140% | 3,061 |
| Cost of funding earning assets | 1.2116% | 4,483 |
| Net interest margin | 4.1024% | 2,549 |
| Noninterest income to average assets | 0.4219% | 4,728 |
| Noninterest expense to average assets | 2.5231% | 5,708 |
| Loan and lease loss provision to assets | 0.4266% | 3,554 |
| Net operating income to assets | 1.1755% | 1,473 |
| Return on assets (ROA) | 1.1805% | 1,534 |
| Pretax return on assets | 1.2596% | 2,045 |
| Return on Equity (ROE) | 9.6493% | 2,055 |
| Retained earnings to average equity (ytd only) | 4.5232% | 2,705 |
| Net charge-offs to loans | 0.3523% | 4,258 |
| Credit loss provision to net charge-offs | 164.2627% | 2,102 |
| Earnings coverage of net charge-offs (x) | 6.4720% | 2,353 |
| Efficiency ratio | 58.3181% | 6,302 |
| Assets per employee ($millions) | 3.9808% | 3,825 |
| Cash dividends to net income (ytd only)* | 53.1237% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7459% | 3,050 |
| Loan loss allowance to noncurrent loans | 73.2079% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 2.2298% | 3,055 |
| Noncurrent loans to loans | 2.3849% | 3,134 |
| Net loans and leases to total assets | 74.2239% | 1,612 |
| Net loans and leases to deposits | 87.2484% | 1,905 |
| Net loans and leases to core deposits | 90.5222% | 2,688 |
| Total domestic deposits to total assets | 85.0719% | 3,816 |
| Equity capital to assets | 12.0491% | 1,888 |
| Core capital (leverage) ratio | 11.8844% | 1,626 |
| Tier 1 risk-based capital ratio | 19.9450% | 1,497 |
| Total risk-based capital ratio | 21.2065% | 1,465 |
| Memoranda: | ||
| Average total assets | $597,949,800 | 1,122 |
| Average earning assets | $551,259,800 | 1,100 |
| Average equity | $73,155,400 | 913 |
| Average total loans | $440,831,600 | 1,020 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2937% | 3,382 |
| Cost of funding earning assets | 1.2538% | 4,547 |
| Net interest margin | 4.0399% | 2,909 |
| Noninterest income to average assets | 0.4112% | 4,868 |
| Noninterest expense to average assets | 2.4485% | 5,887 |
| Loan and lease loss provision to assets | 0.4224% | 3,373 |
| Net operating income to assets | 1.1596% | 1,707 |
| Return on assets (ROA) | 1.1656% | 1,785 |
| Pretax return on assets | 1.2580% | 2,310 |
| Return on Equity (ROE) | 9.4918% | 2,320 |
| Retained earnings to average equity (ytd only) | 9.4918% | 914 |
| Net charge-offs to loans | 0.3383% | 3,953 |
| Credit loss provision to net charge-offs | 170.3770% | 2,180 |
| Earnings coverage of net charge-offs (x) | 6.7522% | 2,459 |
| Efficiency ratio | 57.4899% | 6,345 |
| Assets per employee ($millions) | 3.9903% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 3,178 |
| Loan loss allowance to noncurrent loans | 133.9377% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 1.4082% | 4,341 |
| Noncurrent loans to loans | 1.2622% | 4,742 |
| Net loans and leases to total assets | 72.9551% | 2,020 |
| Net loans and leases to deposits | 89.2995% | 1,825 |
| Net loans and leases to core deposits | 92.3816% | 2,744 |
| Total domestic deposits to total assets | 81.6972% | 5,121 |
| Equity capital to assets | 12.9469% | 1,606 |
| Core capital (leverage) ratio | 12.3634% | 1,473 |
| Tier 1 risk-based capital ratio | 19.9052% | 1,570 |
| Total risk-based capital ratio | 21.1652% | 1,535 |
| Memoranda: | ||
| Average total assets | $599,152,750 | 1,126 |
| Average earning assets | $550,401,500 | 1,105 |
| Average equity | $73,577,250 | 901 |
| Average total loans | $439,021,250 | 1,028 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3143% | 3,396 |
| Cost of funding earning assets | 1.2993% | 4,547 |
| Net interest margin | 4.0150% | 2,947 |
| Noninterest income to average assets | 0.2755% | 5,945 |
| Noninterest expense to average assets | 2.4951% | 5,734 |
| Loan and lease loss provision to assets | 0.3751% | 3,465 |
| Net operating income to assets | 1.0039% | 2,184 |
| Return on assets (ROA) | 1.0092% | 2,233 |
| Pretax return on assets | 1.0860% | 2,824 |
| Return on Equity (ROE) | 8.3723% | 2,726 |
| Retained earnings to average equity (ytd only) | 8.3723% | 1,303 |
| Net charge-offs to loans | 0.4682% | 3,138 |
| Credit loss provision to net charge-offs | 109.8135% | 3,710 |
| Earnings coverage of net charge-offs (x) | 4.2610% | 3,008 |
| Efficiency ratio | 61.1658% | 5,827 |
| Assets per employee ($millions) | 3.8080% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5772% | 3,548 |
| Loan loss allowance to noncurrent loans | 125.1355% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 1.6322% | 3,991 |
| Noncurrent loans to loans | 1.2604% | 4,859 |
| Net loans and leases to total assets | 72.2851% | 2,330 |
| Net loans and leases to deposits | 87.5363% | 2,252 |
| Net loans and leases to core deposits | 91.0151% | 3,122 |
| Total domestic deposits to total assets | 82.5773% | 4,753 |
| Equity capital to assets | 12.4196% | 1,853 |
| Core capital (leverage) ratio | 11.9199% | 1,690 |
| Tier 1 risk-based capital ratio | 19.2533% | 1,663 |
| Total risk-based capital ratio | 20.5112% | 1,624 |
| Memoranda: | ||
| Average total assets | $596,694,000 | 1,136 |
| Average earning assets | $546,146,670 | 1,117 |
| Average equity | $71,927,330 | 919 |
| Average total loans | $435,327,330 | 1,042 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3359% | 3,363 |
| Cost of funding earning assets | 1.3358% | 4,591 |
| Net interest margin | 4.0001% | 2,873 |
| Noninterest income to average assets | 0.1946% | 6,571 |
| Noninterest expense to average assets | 2.5545% | 5,534 |
| Loan and lease loss provision to assets | 0.2355% | 4,157 |
| Net operating income to assets | 1.0114% | 2,139 |
| Return on assets (ROA) | 1.0159% | 2,190 |
| Pretax return on assets | 1.0703% | 2,838 |
| Return on Equity (ROE) | 8.5578% | 2,644 |
| Retained earnings to average equity (ytd only) | 8.5578% | 1,519 |
| Net charge-offs to loans | 0.2224% | 3,601 |
| Credit loss provision to net charge-offs | 145.6432% | 2,440 |
| Earnings coverage of net charge-offs (x) | 8.0456% | 1,997 |
| Efficiency ratio | 64.2012% | 5,458 |
| Assets per employee ($millions) | 3.8212% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 3,376 |
| Loan loss allowance to noncurrent loans | 58.9260% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 3.3303% | 2,141 |
| Noncurrent loans to loans | 2.7422% | 2,904 |
| Net loans and leases to total assets | 71.2901% | 2,622 |
| Net loans and leases to deposits | 84.0717% | 2,927 |
| Net loans and leases to core deposits | 87.0081% | 3,751 |
| Total domestic deposits to total assets | 84.7968% | 3,760 |
| Equity capital to assets | 12.0751% | 2,001 |
| Core capital (leverage) ratio | 11.6719% | 1,815 |
| Tier 1 risk-based capital ratio | 18.7647% | 1,779 |
| Total risk-based capital ratio | 20.0224% | 1,741 |
| Memoranda: | ||
| Average total assets | $596,115,500 | 1,161 |
| Average earning assets | $545,585,000 | 1,153 |
| Average equity | $70,765,500 | 934 |
| Average total loans | $433,450,000 | 1,077 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3275% | 5,038 |
| Cost of funding earning assets | 1.6193% | 4,942 |
| Net interest margin | 3.7082% | 4,099 |
| Noninterest income to average assets | 0.5393% | 4,116 |
| Noninterest expense to average assets | 2.4894% | 6,172 |
| Loan and lease loss provision to assets | 1.1808% | 1,952 |
| Net operating income to assets | 0.2555% | 4,700 |
| Return on assets (ROA) | 0.2634% | 4,754 |
| Pretax return on assets | 0.2703% | 4,844 |
| Return on Equity (ROE) | 2.3496% | 4,767 |
| Retained earnings to average equity (ytd only) | 0.9116% | 4,386 |
| Net charge-offs to loans | 1.4995% | 1,672 |
| Credit loss provision to net charge-offs | 108.5655% | 5,099 |
| Earnings coverage of net charge-offs (x) | 1.3268% | 4,804 |
| Efficiency ratio | 61.3780% | 6,267 |
| Assets per employee ($millions) | 3.8458% | 4,157 |
| Cash dividends to net income (ytd only)* | 61.1995% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 3,439 |
| Loan loss allowance to noncurrent loans | 46.9298% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 3.5586% | 1,878 |
| Noncurrent loans to loans | 3.3224% | 2,295 |
| Net loans and leases to total assets | 71.8231% | 2,798 |
| Net loans and leases to deposits | 88.1372% | 2,537 |
| Net loans and leases to core deposits | 109.2263% | 2,979 |
| Total domestic deposits to total assets | 81.4901% | 5,158 |
| Equity capital to assets | 11.6697% | 2,205 |
| Core capital (leverage) ratio | 11.6439% | 1,844 |
| Tier 1 risk-based capital ratio | 17.8327% | 1,932 |
| Total risk-based capital ratio | 19.0895% | 1,889 |
| Memoranda: | ||
| Average total assets | $620,435,000 | 1,116 |
| Average earning assets | $567,710,200 | 1,111 |
| Average equity | $69,545,200 | 938 |
| Average total loans | $450,017,600 | 1,064 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3446% | 5,201 |
| Cost of funding earning assets | 1.6799% | 5,000 |
| Net interest margin | 3.6646% | 4,222 |
| Noninterest income to average assets | 0.4966% | 4,513 |
| Noninterest expense to average assets | 2.3914% | 6,441 |
| Loan and lease loss provision to assets | 0.7031% | 2,625 |
| Net operating income to assets | 0.6713% | 3,310 |
| Return on assets (ROA) | 0.6808% | 3,337 |
| Pretax return on assets | 0.7622% | 3,659 |
| Return on Equity (ROE) | 6.1337% | 3,472 |
| Retained earnings to average equity (ytd only) | 6.1337% | 1,886 |
| Net charge-offs to loans | 0.8198% | 2,327 |
| Credit loss provision to net charge-offs | 118.4135% | 4,285 |
| Earnings coverage of net charge-offs (x) | 2.4498% | 4,009 |
| Efficiency ratio | 60.2217% | 6,383 |
| Assets per employee ($millions) | 3.7320% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5912% | 3,027 |
| Loan loss allowance to noncurrent loans | 35.2966% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 4.2925% | 1,444 |
| Noncurrent loans to loans | 4.5082% | 1,550 |
| Net loans and leases to total assets | 71.3515% | 3,187 |
| Net loans and leases to deposits | 88.0858% | 2,938 |
| Net loans and leases to core deposits | 110.0771% | 3,227 |
| Total domestic deposits to total assets | 81.0023% | 5,080 |
| Equity capital to assets | 12.5653% | 1,908 |
| Core capital (leverage) ratio | 11.7517% | 1,937 |
| Tier 1 risk-based capital ratio | 18.5569% | 1,851 |
| Total risk-based capital ratio | 19.8147% | 1,802 |
| Memoranda: | ||
| Average total assets | $625,556,750 | 1,123 |
| Average earning assets | $571,756,750 | 1,117 |
| Average equity | $69,428,500 | 952 |
| Average total loans | $453,090,500 | 1,080 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4257% | 5,008 |
| Cost of funding earning assets | 1.7074% | 5,232 |
| Net interest margin | 3.7183% | 3,880 |
| Noninterest income to average assets | 0.5821% | 3,820 |
| Noninterest expense to average assets | 2.3204% | 6,704 |
| Loan and lease loss provision to assets | 0.6591% | 2,451 |
| Net operating income to assets | 0.8996% | 2,459 |
| Return on assets (ROA) | 0.9099% | 2,518 |
| Pretax return on assets | 0.9994% | 3,017 |
| Return on Equity (ROE) | 8.5432% | 2,548 |
| Retained earnings to average equity (ytd only) | 8.5432% | 1,057 |
| Net charge-offs to loans | 1.0088% | 1,755 |
| Credit loss provision to net charge-offs | 90.2272% | 4,918 |
| Earnings coverage of net charge-offs (x) | 2.2550% | 3,943 |
| Efficiency ratio | 56.6288% | 7,034 |
| Assets per employee ($millions) | 3.9959% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 3,987 |
| Loan loss allowance to noncurrent loans | 39.8082% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 3.4615% | 1,796 |
| Noncurrent loans to loans | 3.3876% | 2,078 |
| Net loans and leases to total assets | 70.6350% | 3,544 |
| Net loans and leases to deposits | 90.3770% | 2,772 |
| Net loans and leases to core deposits | 116.5185% | 2,664 |
| Total domestic deposits to total assets | 78.1560% | 6,032 |
| Equity capital to assets | 11.0349% | 2,890 |
| Core capital (leverage) ratio | 10.9885% | 2,405 |
| Tier 1 risk-based capital ratio | 17.4840% | 2,157 |
| Total risk-based capital ratio | 18.7373% | 2,109 |
| Memoranda: | ||
| Average total assets | $638,768,000 | 1,122 |
| Average earning assets | $581,603,000 | 1,119 |
| Average equity | $68,030,330 | 984 |
| Average total loans | $462,512,330 | 1,077 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4155% | 5,340 |
| Cost of funding earning assets | 1.7038% | 5,582 |
| Net interest margin | 3.7117% | 3,840 |
| Noninterest income to average assets | 0.5024% | 4,303 |
| Noninterest expense to average assets | 2.1074% | 7,099 |
| Loan and lease loss provision to assets | 1.1230% | 1,162 |
| Net operating income to assets | 0.5915% | 4,050 |
| Return on assets (ROA) | 0.5965% | 4,226 |
| Pretax return on assets | 0.6608% | 4,557 |
| Return on Equity (ROE) | 5.6998% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.6998% | 2,780 |
| Net charge-offs to loans | 0.3111% | 2,859 |
| Credit loss provision to net charge-offs | 495.9016% | 1,100 |
| Earnings coverage of net charge-offs (x) | 7.8525% | 2,288 |
| Efficiency ratio | 52.3726% | 7,377 |
| Assets per employee ($millions) | 4.2069% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 2,297 |
| Loan loss allowance to noncurrent loans | 46.1280% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 2.7498% | 2,064 |
| Noncurrent loans to loans | 3.5863% | 1,756 |
| Net loans and leases to total assets | 69.2705% | 3,855 |
| Net loans and leases to deposits | 91.7238% | 2,647 |
| Net loans and leases to core deposits | 116.1146% | 2,794 |
| Total domestic deposits to total assets | 75.5207% | 6,598 |
| Equity capital to assets | 10.1283% | 3,853 |
| Core capital (leverage) ratio | 10.7499% | 2,696 |
| Tier 1 risk-based capital ratio | 15.9770% | 2,698 |
| Total risk-based capital ratio | 17.2341% | 2,634 |
| Memoranda: | ||
| Average total assets | $646,469,500 | 1,099 |
| Average earning assets | $589,275,000 | 1,103 |
| Average equity | $67,651,500 | 995 |
| Average total loans | $470,602,000 | 1,069 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3831% | 3,509 |
| Cost of funding earning assets | 2.2322% | 5,449 |
| Net interest margin | 4.1509% | 2,497 |
| Noninterest income to average assets | 0.5929% | 3,890 |
| Noninterest expense to average assets | 2.3532% | 6,559 |
| Loan and lease loss provision to assets | 1.1516% | 1,266 |
| Net operating income to assets | 0.8664% | 3,144 |
| Return on assets (ROA) | 0.8751% | 2,960 |
| Pretax return on assets | 0.9417% | 3,580 |
| Return on Equity (ROE) | 7.7701% | 3,165 |
| Retained earnings to average equity (ytd only) | 2.1135% | 3,917 |
| Net charge-offs to loans | 0.9869% | 1,256 |
| Credit loss provision to net charge-offs | 147.9992% | 3,565 |
| Earnings coverage of net charge-offs (x) | 2.6782% | 4,742 |
| Efficiency ratio | 51.3330% | 7,560 |
| Assets per employee ($millions) | 3.6985% | 4,180 |
| Cash dividends to net income (ytd only)* | 72.7990% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 3,695 |
| Loan loss allowance to noncurrent loans | 78.2244% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.4447% | 3,324 |
| Noncurrent loans to loans | 1.6778% | 3,255 |
| Net loans and leases to total assets | 74.2726% | 3,037 |
| Net loans and leases to deposits | 97.5392% | 2,188 |
| Net loans and leases to core deposits | 119.3153% | 2,757 |
| Total domestic deposits to total assets | 76.1464% | 6,205 |
| Equity capital to assets | 10.8162% | 3,193 |
| Core capital (leverage) ratio | 10.7324% | 2,792 |
| Tier 1 risk-based capital ratio | 16.7079% | 2,414 |
| Total risk-based capital ratio | 17.9618% | 2,349 |
| Memoranda: | ||
| Average total assets | $623,030,000 | 1,074 |
| Average earning assets | $577,008,400 | 1,070 |
| Average equity | $70,166,400 | 951 |
| Average total loans | $491,250,400 | 971 |