Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7275% | 2,616 |
| Cost of funding earning assets | 0.5797% | 4,100 |
| Net interest margin | 4.1478% | 1,012 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.9174% | 1,241 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.8753% | 2,619 |
| Return on assets (ROA) | 0.8753% | 2,592 |
| Pretax return on assets | 1.1083% | 2,392 |
| Return on Equity (ROE) | 7.1800% | 3,241 |
| Retained earnings to average equity (ytd only) | 6.9923% | 1,898 |
| Net charge-offs to loans | 0.5714% | 171 |
| Credit loss provision to net charge-offs | 29.7695% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.8752% | 2,622 |
| Efficiency ratio | 70.8458% | 1,780 |
| Assets per employee ($millions) | 4.7850% | 3,785 |
| Cash dividends to net income (ytd only)* | 2.5606% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2267% | 271 |
| Loan loss allowance to noncurrent loans | 371.9586% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 1,589 |
| Noncurrent loans to loans | 0.5986% | 1,314 |
| Net loans and leases to total assets | 56.1200% | 3,182 |
| Net loans and leases to deposits | 65.2602% | 3,217 |
| Net loans and leases to core deposits | 69.4560% | 3,339 |
| Total domestic deposits to total assets | 85.9900% | 2,021 |
| Equity capital to assets | 13.5089% | 768 |
| Core capital (leverage) ratio | 13.8581% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0672% | 534 |
| Memoranda: | ||
| Average total assets | $504,186,800 | 1,715 |
| Average earning assets | $471,816,200 | 1,702 |
| Average equity | $61,496,200 | 1,367 |
| Average total loans | $273,361,000 | 1,903 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 2,601 |
| Cost of funding earning assets | 0.5331% | 4,087 |
| Net interest margin | 4.0997% | 1,069 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.8415% | 1,342 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.9022% | 2,669 |
| Return on assets (ROA) | 0.9022% | 2,660 |
| Pretax return on assets | 1.1442% | 2,445 |
| Return on Equity (ROE) | 7.5900% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.4780% | 2,149 |
| Net charge-offs to loans | 0.7598% | 118 |
| Credit loss provision to net charge-offs | 20.2442% | 2,012 |
| Earnings coverage of net charge-offs (x) | 3.0186% | 2,452 |
| Efficiency ratio | 69.8504% | 1,800 |
| Assets per employee ($millions) | 4.8090% | 3,732 |
| Cash dividends to net income (ytd only)* | 1.4472% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1809% | 305 |
| Loan loss allowance to noncurrent loans | 384.7294% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 1,765 |
| Noncurrent loans to loans | 0.5669% | 1,414 |
| Net loans and leases to total assets | 54.0700% | 3,355 |
| Net loans and leases to deposits | 62.2059% | 3,391 |
| Net loans and leases to core deposits | 66.3139% | 3,410 |
| Total domestic deposits to total assets | 86.9200% | 1,916 |
| Equity capital to assets | 12.4874% | 925 |
| Core capital (leverage) ratio | 13.3344% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7846% | 568 |
| Memoranda: | ||
| Average total assets | $510,608,750 | 1,711 |
| Average earning assets | $477,224,250 | 1,692 |
| Average equity | $60,710,250 | 1,370 |
| Average total loans | $273,045,000 | 1,904 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 2,512 |
| Cost of funding earning assets | 0.4818% | 4,017 |
| Net interest margin | 4.0758% | 1,117 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.8191% | 1,378 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9114% | 2,719 |
| Return on assets (ROA) | 0.9114% | 2,701 |
| Pretax return on assets | 1.1561% | 2,486 |
| Return on Equity (ROE) | 7.7900% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.7906% | 2,038 |
| Net charge-offs to loans | 1.1393% | 77 |
| Credit loss provision to net charge-offs | 10.6178% | 1,795 |
| Earnings coverage of net charge-offs (x) | 2.0245% | 2,331 |
| Efficiency ratio | 69.7936% | 1,782 |
| Assets per employee ($millions) | 4.9094% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1514% | 330 |
| Loan loss allowance to noncurrent loans | 372.0767% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 1,693 |
| Noncurrent loans to loans | 0.5782% | 1,292 |
| Net loans and leases to total assets | 51.8700% | 3,421 |
| Net loans and leases to deposits | 59.2681% | 3,465 |
| Net loans and leases to core deposits | 62.9375% | 3,500 |
| Total domestic deposits to total assets | 87.5200% | 1,777 |
| Equity capital to assets | 12.0013% | 1,048 |
| Core capital (leverage) ratio | 12.8606% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3014% | 605 |
| Memoranda: | ||
| Average total assets | $515,701,333 | 1,692 |
| Average earning assets | $484,420,000 | 1,677 |
| Average equity | $60,329,000 | 1,381 |
| Average total loans | $272,799,667 | 1,901 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 2,682 |
| Cost of funding earning assets | 0.4098% | 3,941 |
| Net interest margin | 3.9378% | 1,391 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.8194% | 1,392 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.7865% | 3,235 |
| Return on assets (ROA) | 0.7865% | 3,183 |
| Pretax return on assets | 0.9987% | 3,001 |
| Return on Equity (ROE) | 6.8100% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.8097% | 2,548 |
| Net charge-offs to loans | -0.0088% | 3,812 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.7399% | 1,469 |
| Assets per employee ($millions) | 5.0889% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6516% | 191 |
| Loan loss allowance to noncurrent loans | 150.4021% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.9434% | 452 |
| Noncurrent loans to loans | 1.7630% | 352 |
| Net loans and leases to total assets | 52.0900% | 3,341 |
| Net loans and leases to deposits | 59.4237% | 3,374 |
| Net loans and leases to core deposits | 61.8533% | 3,454 |
| Total domestic deposits to total assets | 87.6700% | 2,035 |
| Equity capital to assets | 11.8624% | 1,041 |
| Core capital (leverage) ratio | 12.4247% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9084% | 668 |
| Memoranda: | ||
| Average total assets | $518,264,000 | 1,707 |
| Average earning assets | $487,077,000 | 1,688 |
| Average equity | $59,855,500 | 1,395 |
| Average total loans | $273,871,500 | 1,912 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5860% | 2,839 |
| Cost of funding earning assets | 0.1753% | 3,952 |
| Net interest margin | 3.4107% | 2,223 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.7766% | 1,363 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.5203% | 4,055 |
| Return on assets (ROA) | 0.5203% | 4,009 |
| Pretax return on assets | 0.6587% | 3,929 |
| Return on Equity (ROE) | 4.3900% | 4,102 |
| Retained earnings to average equity (ytd only) | 4.3254% | 3,292 |
| Net charge-offs to loans | -0.0336% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.1034% | 846 |
| Assets per employee ($millions) | 5.0245% | 3,660 |
| Cash dividends to net income (ytd only)* | 1.4576% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6447% | 183 |
| Loan loss allowance to noncurrent loans | 193.8189% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 673 |
| Noncurrent loans to loans | 1.3645% | 503 |
| Net loans and leases to total assets | 50.8100% | 3,448 |
| Net loans and leases to deposits | 57.5440% | 3,486 |
| Net loans and leases to core deposits | 59.8036% | 3,520 |
| Total domestic deposits to total assets | 88.2900% | 1,972 |
| Equity capital to assets | 11.2412% | 1,166 |
| Core capital (leverage) ratio | 12.2365% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4451% | 677 |
| Memoranda: | ||
| Average total assets | $501,013,600 | 1,717 |
| Average earning assets | $472,396,200 | 1,694 |
| Average equity | $59,393,200 | 1,413 |
| Average total loans | $262,034,200 | 1,887 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3726% | 2,986 |
| Cost of funding earning assets | 0.1314% | 4,021 |
| Net interest margin | 3.2412% | 2,494 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.7931% | 1,264 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.3952% | 4,250 |
| Return on assets (ROA) | 0.3952% | 4,197 |
| Pretax return on assets | 0.5014% | 4,147 |
| Return on Equity (ROE) | 3.2900% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.2887% | 3,705 |
| Net charge-offs to loans | -0.0185% | 3,968 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.4864% | 681 |
| Assets per employee ($millions) | 4.7759% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6389% | 199 |
| Loan loss allowance to noncurrent loans | 170.7819% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.8009% | 629 |
| Noncurrent loans to loans | 1.5452% | 443 |
| Net loans and leases to total assets | 50.4600% | 3,423 |
| Net loans and leases to deposits | 57.0939% | 3,400 |
| Net loans and leases to core deposits | 59.4817% | 3,421 |
| Total domestic deposits to total assets | 88.3900% | 2,312 |
| Equity capital to assets | 11.2613% | 1,078 |
| Core capital (leverage) ratio | 12.1193% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3259% | 701 |
| Memoranda: | ||
| Average total assets | $495,629,000 | 1,738 |
| Average earning assets | $467,876,250 | 1,710 |
| Average equity | $59,556,250 | 1,430 |
| Average total loans | $259,368,500 | 1,901 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1752% | 3,129 |
| Cost of funding earning assets | 0.1325% | 3,809 |
| Net interest margin | 3.0427% | 2,744 |
| Noninterest income to average assets | 0.3854% | 2,839 |
| Noninterest expense to average assets | 2.7825% | 1,204 |
| Loan and lease loss provision to assets | 0.1534% | 616 |
| Net operating income to assets | 0.2549% | 4,357 |
| Return on assets (ROA) | 0.2549% | 4,314 |
| Pretax return on assets | 0.3236% | 4,268 |
| Return on Equity (ROE) | 2.0751% | 4,347 |
| Retained earnings to average equity (ytd only) | 2.0751% | 3,730 |
| Net charge-offs to loans | -0.0319% | 4,063 |
| Credit loss provision to net charge-offs | -914.6341% | 3,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3665% | 602 |
| Assets per employee ($millions) | 4.7247% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6350% | 212 |
| Loan loss allowance to noncurrent loans | 81.5820% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.6830% | 192 |
| Noncurrent loans to loans | 3.2299% | 150 |
| Net loans and leases to total assets | 50.7325% | 3,297 |
| Net loans and leases to deposits | 57.5716% | 3,259 |
| Net loans and leases to core deposits | 60.3487% | 3,249 |
| Total domestic deposits to total assets | 88.1206% | 2,523 |
| Equity capital to assets | 11.5746% | 1,008 |
| Core capital (leverage) ratio | 12.4631% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0663% | 707 |
| Memoranda: | ||
| Average total assets | $488,905,000 | 1,766 |
| Average earning assets | $461,826,667 | 1,745 |
| Average equity | $60,046,333 | 1,437 |
| Average total loans | $256,710,667 | 1,909 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1047% | 2,972 |
| Cost of funding earning assets | 0.1347% | 3,705 |
| Net interest margin | 2.9701% | 2,595 |
| Noninterest income to average assets | 0.4328% | 2,481 |
| Noninterest expense to average assets | 2.7475% | 1,262 |
| Loan and lease loss provision to assets | 0.1873% | 403 |
| Net operating income to assets | 0.2414% | 4,257 |
| Return on assets (ROA) | 0.2414% | 4,230 |
| Pretax return on assets | 0.3063% | 4,178 |
| Return on Equity (ROE) | 1.9075% | 4,273 |
| Retained earnings to average equity (ytd only) | 1.9075% | 3,570 |
| Net charge-offs to loans | -0.0616% | 4,332 |
| Credit loss provision to net charge-offs | -576.9231% | 3,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7714% | 801 |
| Assets per employee ($millions) | 4.6872% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7158% | 221 |
| Loan loss allowance to noncurrent loans | 136.2851% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.0119% | 494 |
| Noncurrent loans to loans | 1.9927% | 371 |
| Net loans and leases to total assets | 49.3991% | 3,233 |
| Net loans and leases to deposits | 56.4267% | 3,222 |
| Net loans and leases to core deposits | 59.2462% | 3,209 |
| Total domestic deposits to total assets | 87.5455% | 2,730 |
| Equity capital to assets | 12.1793% | 895 |
| Core capital (leverage) ratio | 12.9725% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5353% | 691 |
| Memoranda: | ||
| Average total assets | $480,587,500 | 1,795 |
| Average earning assets | $454,402,000 | 1,771 |
| Average equity | $60,812,500 | 1,461 |
| Average total loans | $253,359,000 | 1,919 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7470% | 1,983 |
| Cost of funding earning assets | 0.1853% | 3,597 |
| Net interest margin | 3.5616% | 1,570 |
| Noninterest income to average assets | 0.2447% | 3,908 |
| Noninterest expense to average assets | 2.8756% | 1,205 |
| Loan and lease loss provision to assets | 0.2429% | 394 |
| Net operating income to assets | 0.3760% | 4,312 |
| Return on assets (ROA) | 0.3760% | 4,342 |
| Pretax return on assets | 0.4745% | 4,288 |
| Return on Equity (ROE) | 2.7761% | 4,399 |
| Retained earnings to average equity (ytd only) | 2.7761% | 3,736 |
| Net charge-offs to loans | 0.5177% | 159 |
| Credit loss provision to net charge-offs | 77.9037% | 1,970 |
| Earnings coverage of net charge-offs (x) | 2.3010% | 2,587 |
| Efficiency ratio | 80.0332% | 802 |
| Assets per employee ($millions) | 4.5536% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5404% | 259 |
| Loan loss allowance to noncurrent loans | 112.4828% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.2955% | 359 |
| Noncurrent loans to loans | 2.2585% | 320 |
| Net loans and leases to total assets | 53.3638% | 2,928 |
| Net loans and leases to deposits | 61.6664% | 2,914 |
| Net loans and leases to core deposits | 64.8620% | 2,913 |
| Total domestic deposits to total assets | 86.5362% | 2,698 |
| Equity capital to assets | 13.1516% | 858 |
| Core capital (leverage) ratio | 13.1605% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8811% | 666 |
| Memoranda: | ||
| Average total assets | $452,884,600 | 1,827 |
| Average earning assets | $425,758,200 | 1,819 |
| Average equity | $61,345,800 | 1,486 |
| Average total loans | $272,734,600 | 1,824 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9020% | 1,758 |
| Cost of funding earning assets | 0.1964% | 3,641 |
| Net interest margin | 3.7056% | 1,318 |
| Noninterest income to average assets | 0.2219% | 4,077 |
| Noninterest expense to average assets | 2.8903% | 1,144 |
| Loan and lease loss provision to assets | 0.2600% | 343 |
| Net operating income to assets | 0.4381% | 4,316 |
| Return on assets (ROA) | 0.4381% | 4,348 |
| Pretax return on assets | 0.5522% | 4,297 |
| Return on Equity (ROE) | 3.2102% | 4,430 |
| Retained earnings to average equity (ytd only) | 3.2102% | 3,823 |
| Net charge-offs to loans | 0.6669% | 119 |
| Credit loss provision to net charge-offs | 63.2225% | 1,785 |
| Earnings coverage of net charge-offs (x) | 1.9754% | 2,365 |
| Efficiency ratio | 78.0648% | 871 |
| Assets per employee ($millions) | 4.2482% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3845% | 342 |
| Loan loss allowance to noncurrent loans | 94.2359% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.4499% | 350 |
| Noncurrent loans to loans | 2.5303% | 293 |
| Net loans and leases to total assets | 55.9355% | 2,729 |
| Net loans and leases to deposits | 64.8701% | 2,746 |
| Net loans and leases to core deposits | 68.4135% | 2,739 |
| Total domestic deposits to total assets | 86.2269% | 2,653 |
| Equity capital to assets | 13.3511% | 888 |
| Core capital (leverage) ratio | 13.4913% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6249% | 731 |
| Memoranda: | ||
| Average total assets | $448,850,250 | 1,858 |
| Average earning assets | $421,587,500 | 1,849 |
| Average equity | $61,261,250 | 1,511 |
| Average total loans | $276,715,250 | 1,841 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1582% | 1,249 |
| Cost of funding earning assets | 0.2160% | 3,591 |
| Net interest margin | 3.9422% | 903 |
| Noninterest income to average assets | 0.1446% | 4,475 |
| Noninterest expense to average assets | 2.8659% | 1,223 |
| Loan and lease loss provision to assets | 0.2702% | 346 |
| Net operating income to assets | 0.5535% | 4,100 |
| Return on assets (ROA) | 0.5535% | 4,145 |
| Pretax return on assets | 0.6985% | 4,069 |
| Return on Equity (ROE) | 4.0246% | 4,323 |
| Retained earnings to average equity (ytd only) | 4.0246% | 3,509 |
| Net charge-offs to loans | 0.9861% | 82 |
| Credit loss provision to net charge-offs | 43.3839% | 1,641 |
| Earnings coverage of net charge-offs (x) | 1.5553% | 2,166 |
| Efficiency ratio | 74.7387% | 1,180 |
| Assets per employee ($millions) | 4.2107% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2030% | 421 |
| Loan loss allowance to noncurrent loans | 105.5081% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.2733% | 513 |
| Noncurrent loans to loans | 2.0880% | 451 |
| Net loans and leases to total assets | 59.6394% | 2,468 |
| Net loans and leases to deposits | 69.4017% | 2,479 |
| Net loans and leases to core deposits | 73.4826% | 2,461 |
| Total domestic deposits to total assets | 85.9336% | 2,764 |
| Equity capital to assets | 13.6594% | 794 |
| Core capital (leverage) ratio | 13.5975% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7364% | 730 |
| Memoranda: | ||
| Average total assets | $444,115,333 | 1,863 |
| Average earning assets | $415,704,667 | 1,856 |
| Average equity | $61,074,000 | 1,504 |
| Average total loans | $280,507,333 | 1,832 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 716 |
| Cost of funding earning assets | 0.2313% | 3,632 |
| Net interest margin | 4.3276% | 492 |
| Noninterest income to average assets | 0.0445% | 4,861 |
| Noninterest expense to average assets | 2.8578% | 1,240 |
| Loan and lease loss provision to assets | 0.2722% | 361 |
| Net operating income to assets | 0.7557% | 3,559 |
| Return on assets (ROA) | 0.7557% | 3,628 |
| Pretax return on assets | 0.9544% | 3,488 |
| Return on Equity (ROE) | 5.4767% | 3,997 |
| Retained earnings to average equity (ytd only) | 5.4767% | 3,071 |
| Net charge-offs to loans | 1.9564% | 38 |
| Credit loss provision to net charge-offs | 21.6450% | 1,416 |
| Earnings coverage of net charge-offs (x) | 0.9755% | 1,871 |
| Efficiency ratio | 69.9689% | 1,704 |
| Assets per employee ($millions) | 4.2382% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0498% | 542 |
| Loan loss allowance to noncurrent loans | 112.4804% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.1455% | 669 |
| Noncurrent loans to loans | 1.8224% | 630 |
| Net loans and leases to total assets | 61.1614% | 2,383 |
| Net loans and leases to deposits | 71.1629% | 2,403 |
| Net loans and leases to core deposits | 75.4262% | 2,399 |
| Total domestic deposits to total assets | 85.9456% | 2,755 |
| Equity capital to assets | 13.6253% | 764 |
| Core capital (leverage) ratio | 13.9047% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5392% | 726 |
| Memoranda: | ||
| Average total assets | $440,899,000 | 1,868 |
| Average earning assets | $411,587,000 | 1,867 |
| Average equity | $60,840,000 | 1,502 |
| Average total loans | $283,382,500 | 1,812 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 1,547 |
| Cost of funding earning assets | 0.4166% | 3,484 |
| Net interest margin | 3.9968% | 977 |
| Noninterest income to average assets | 0.2326% | 4,106 |
| Noninterest expense to average assets | 2.8066% | 1,924 |
| Loan and lease loss provision to assets | 0.5009% | 492 |
| Net operating income to assets | 0.5361% | 3,952 |
| Return on assets (ROA) | 0.5361% | 4,046 |
| Pretax return on assets | 0.6789% | 3,928 |
| Return on Equity (ROE) | 4.0064% | 4,156 |
| Retained earnings to average equity (ytd only) | 3.8782% | 2,884 |
| Net charge-offs to loans | -0.0007% | 3,919 |
| Credit loss provision to net charge-offs | -111,000.0000% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4041% | 1,894 |
| Assets per employee ($millions) | 4.0425% | 4,343 |
| Cash dividends to net income (ytd only)* | 3.1987% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3881% | 303 |
| Loan loss allowance to noncurrent loans | 81.8585% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.9385% | 298 |
| Noncurrent loans to loans | 2.9174% | 298 |
| Net loans and leases to total assets | 64.5966% | 2,281 |
| Net loans and leases to deposits | 75.4516% | 2,337 |
| Net loans and leases to core deposits | 79.8707% | 2,380 |
| Total domestic deposits to total assets | 85.6133% | 2,524 |
| Equity capital to assets | 13.9796% | 807 |
| Core capital (leverage) ratio | 13.6712% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1957% | 750 |
| Memoranda: | ||
| Average total assets | $443,208,800 | 1,725 |
| Average earning assets | $416,259,600 | 1,712 |
| Average equity | $59,305,200 | 1,459 |
| Average total loans | $287,003,400 | 1,738 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 1,604 |
| Cost of funding earning assets | 0.4561% | 3,492 |
| Net interest margin | 4.0305% | 1,050 |
| Noninterest income to average assets | 0.2057% | 4,240 |
| Noninterest expense to average assets | 2.7807% | 2,020 |
| Loan and lease loss provision to assets | 0.5742% | 458 |
| Net operating income to assets | 0.5006% | 4,034 |
| Return on assets (ROA) | 0.5006% | 4,121 |
| Pretax return on assets | 0.6351% | 4,038 |
| Return on Equity (ROE) | 3.7820% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.6103% | 3,248 |
| Net charge-offs to loans | 0.0046% | 2,983 |
| Credit loss provision to net charge-offs | 19,200.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 404.4000% | 284 |
| Efficiency ratio | 69.6920% | 1,923 |
| Assets per employee ($millions) | 4.4032% | 3,953 |
| Cash dividends to net income (ytd only)* | 4.5400% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2205% | 342 |
| Loan loss allowance to noncurrent loans | 66.5443% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 2.0993% | 299 |
| Noncurrent loans to loans | 3.3369% | 253 |
| Net loans and leases to total assets | 60.4115% | 3,179 |
| Net loans and leases to deposits | 74.8972% | 2,864 |
| Net loans and leases to core deposits | 79.0114% | 2,922 |
| Total domestic deposits to total assets | 80.6592% | 3,741 |
| Equity capital to assets | 12.5864% | 1,382 |
| Core capital (leverage) ratio | 12.5796% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0990% | 775 |
| Memoranda: | ||
| Average total assets | $445,873,000 | 1,688 |
| Average earning assets | $418,631,750 | 1,678 |
| Average equity | $59,014,250 | 1,454 |
| Average total loans | $287,191,750 | 1,735 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9260% | 932 |
| Cost of funding earning assets | 0.5180% | 3,425 |
| Net interest margin | 4.4079% | 606 |
| Noninterest income to average assets | 0.1106% | 4,737 |
| Noninterest expense to average assets | 2.8790% | 1,884 |
| Loan and lease loss provision to assets | 0.6973% | 401 |
| Net operating income to assets | 0.5257% | 3,942 |
| Return on assets (ROA) | 0.5257% | 4,029 |
| Pretax return on assets | 0.6679% | 3,936 |
| Return on Equity (ROE) | 3.9023% | 4,133 |
| Retained earnings to average equity (ytd only) | 3.6435% | 3,099 |
| Net charge-offs to loans | 0.0014% | 2,976 |
| Credit loss provision to net charge-offs | 76,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 1,488.0000% | 52 |
| Efficiency ratio | 67.8340% | 2,256 |
| Assets per employee ($millions) | 4.3032% | 3,994 |
| Cash dividends to net income (ytd only)* | 6.6318% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0407% | 411 |
| Loan loss allowance to noncurrent loans | 61.5539% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 2.1584% | 311 |
| Noncurrent loans to loans | 3.3154% | 257 |
| Net loans and leases to total assets | 62.7549% | 3,039 |
| Net loans and leases to deposits | 78.0172% | 2,650 |
| Net loans and leases to core deposits | 82.4003% | 2,744 |
| Total domestic deposits to total assets | 80.4372% | 3,743 |
| Equity capital to assets | 12.6419% | 1,318 |
| Core capital (leverage) ratio | 12.7972% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4729% | 850 |
| Memoranda: | ||
| Average total assets | $435,982,333 | 1,700 |
| Average earning assets | $408,853,000 | 1,678 |
| Average equity | $58,734,333 | 1,449 |
| Average total loans | $284,986,333 | 1,725 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 1,761 |
| Cost of funding earning assets | 0.5743% | 3,564 |
| Net interest margin | 4.1092% | 1,118 |
| Noninterest income to average assets | 0.1535% | 4,605 |
| Noninterest expense to average assets | 3.0020% | 1,884 |
| Loan and lease loss provision to assets | 0.2289% | 1,353 |
| Net operating income to assets | 0.5970% | 3,605 |
| Return on assets (ROA) | 0.5970% | 3,661 |
| Pretax return on assets | 0.7639% | 3,510 |
| Return on Equity (ROE) | 4.2837% | 3,875 |
| Retained earnings to average equity (ytd only) | 3.7637% | 2,777 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1492% | 1,668 |
| Assets per employee ($millions) | 3.9590% | 3,977 |
| Cash dividends to net income (ytd only)* | 12.1406% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7940% | 717 |
| Loan loss allowance to noncurrent loans | 56.7255% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 2.0666% | 394 |
| Noncurrent loans to loans | 3.1626% | 323 |
| Net loans and leases to total assets | 62.1452% | 3,285 |
| Net loans and leases to deposits | 76.6266% | 3,019 |
| Net loans and leases to core deposits | 81.3280% | 3,083 |
| Total domestic deposits to total assets | 81.1014% | 3,642 |
| Equity capital to assets | 13.7746% | 1,132 |
| Core capital (leverage) ratio | 13.9112% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2138% | 954 |
| Memoranda: | ||
| Average total assets | $419,451,500 | 1,712 |
| Average earning assets | $392,099,500 | 1,693 |
| Average equity | $58,453,500 | 1,447 |
| Average total loans | $277,239,500 | 1,727 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9254% | 1,680 |
| Cost of funding earning assets | 0.5726% | 3,755 |
| Net interest margin | 4.3528% | 980 |
| Noninterest income to average assets | 0.1628% | 4,677 |
| Noninterest expense to average assets | 2.8798% | 2,350 |
| Loan and lease loss provision to assets | 0.1867% | 1,104 |
| Net operating income to assets | 0.9072% | 3,177 |
| Return on assets (ROA) | 0.9072% | 3,272 |
| Pretax return on assets | 1.1468% | 3,020 |
| Return on Equity (ROE) | 6.7735% | 3,632 |
| Retained earnings to average equity (ytd only) | 6.2767% | 1,729 |
| Net charge-offs to loans | 0.1049% | 1,679 |
| Credit loss provision to net charge-offs | 284.6715% | 987 |
| Earnings coverage of net charge-offs (x) | 20.3321% | 1,940 |
| Efficiency ratio | 68.3502% | 2,410 |
| Assets per employee ($millions) | 3.8438% | 4,104 |
| Cash dividends to net income (ytd only)* | 7.3351% | 3,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 926 |
| Loan loss allowance to noncurrent loans | 75.8757% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.7382% | 525 |
| Noncurrent loans to loans | 2.1419% | 585 |
| Net loans and leases to total assets | 67.9080% | 2,690 |
| Net loans and leases to deposits | 84.2608% | 2,308 |
| Net loans and leases to core deposits | 89.4632% | 2,470 |
| Total domestic deposits to total assets | 80.5926% | 3,854 |
| Equity capital to assets | 14.0936% | 1,067 |
| Core capital (leverage) ratio | 13.8012% | 982 |
| Tier 1 risk-based capital ratio | 17.3521% | 1,939 |
| Total risk-based capital ratio | 18.6038% | 1,889 |
| Memoranda: | ||
| Average total assets | $417,771,000 | 1,677 |
| Average earning assets | $388,757,000 | 1,669 |
| Average equity | $55,953,400 | 1,442 |
| Average total loans | $261,169,400 | 1,770 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8878% | 1,850 |
| Cost of funding earning assets | 0.5654% | 3,841 |
| Net interest margin | 4.3224% | 1,123 |
| Noninterest income to average assets | 0.2499% | 4,246 |
| Noninterest expense to average assets | 2.9149% | 2,210 |
| Loan and lease loss provision to assets | 0.1717% | 1,072 |
| Net operating income to assets | 0.9350% | 3,217 |
| Return on assets (ROA) | 0.9350% | 3,290 |
| Pretax return on assets | 1.1810% | 3,041 |
| Return on Equity (ROE) | 7.0716% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.5859% | 2,067 |
| Net charge-offs to loans | 0.1440% | 1,126 |
| Credit loss provision to net charge-offs | 195.6522% | 1,339 |
| Earnings coverage of net charge-offs (x) | 15.4167% | 2,185 |
| Efficiency ratio | 68.3030% | 2,367 |
| Assets per employee ($millions) | 3.9115% | 4,011 |
| Cash dividends to net income (ytd only)* | 6.8685% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 1,006 |
| Loan loss allowance to noncurrent loans | 73.3971% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.4783% | 764 |
| Noncurrent loans to loans | 2.1728% | 594 |
| Net loans and leases to total assets | 64.4704% | 3,241 |
| Net loans and leases to deposits | 79.5814% | 2,944 |
| Net loans and leases to core deposits | 84.3646% | 3,065 |
| Total domestic deposits to total assets | 81.0119% | 3,754 |
| Equity capital to assets | 13.6732% | 1,284 |
| Core capital (leverage) ratio | 13.6299% | 1,099 |
| Tier 1 risk-based capital ratio | 17.7327% | 1,891 |
| Total risk-based capital ratio | 18.9840% | 1,845 |
| Memoranda: | ||
| Average total assets | $419,392,250 | 1,683 |
| Average earning assets | $389,832,000 | 1,677 |
| Average equity | $55,450,500 | 1,457 |
| Average total loans | $255,484,250 | 1,811 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7775% | 2,135 |
| Cost of funding earning assets | 0.5616% | 3,829 |
| Net interest margin | 4.2159% | 1,326 |
| Noninterest income to average assets | 0.2388% | 4,326 |
| Noninterest expense to average assets | 2.9232% | 2,218 |
| Loan and lease loss provision to assets | 0.1573% | 1,155 |
| Net operating income to assets | 0.8516% | 3,463 |
| Return on assets (ROA) | 0.8516% | 3,521 |
| Pretax return on assets | 1.0756% | 3,305 |
| Return on Equity (ROE) | 6.5150% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.0556% | 2,257 |
| Net charge-offs to loans | 0.0465% | 1,983 |
| Credit loss provision to net charge-offs | 568.9655% | 548 |
| Earnings coverage of net charge-offs (x) | 44.6034% | 1,182 |
| Efficiency ratio | 70.3360% | 2,173 |
| Assets per employee ($millions) | 3.7345% | 4,201 |
| Cash dividends to net income (ytd only)* | 7.0509% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 823 |
| Loan loss allowance to noncurrent loans | 65.8401% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.6503% | 645 |
| Noncurrent loans to loans | 2.5776% | 443 |
| Net loans and leases to total assets | 61.2170% | 3,626 |
| Net loans and leases to deposits | 75.4607% | 3,379 |
| Net loans and leases to core deposits | 79.9362% | 3,425 |
| Total domestic deposits to total assets | 81.1244% | 3,767 |
| Equity capital to assets | 13.5250% | 1,308 |
| Core capital (leverage) ratio | 13.2861% | 1,190 |
| Tier 1 risk-based capital ratio | 18.5083% | 1,665 |
| Total risk-based capital ratio | 19.7607% | 1,627 |
| Memoranda: | ||
| Average total assets | $419,678,000 | 1,683 |
| Average earning assets | $389,954,330 | 1,678 |
| Average equity | $54,858,330 | 1,460 |
| Average total loans | $249,244,330 | 1,846 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 2,761 |
| Cost of funding earning assets | 0.5566% | 3,797 |
| Net interest margin | 3.9748% | 1,931 |
| Noninterest income to average assets | 0.2387% | 4,295 |
| Noninterest expense to average assets | 2.9291% | 2,185 |
| Loan and lease loss provision to assets | 0.1421% | 1,205 |
| Net operating income to assets | 0.6764% | 4,013 |
| Return on assets (ROA) | 0.6764% | 4,051 |
| Pretax return on assets | 0.8545% | 3,908 |
| Return on Equity (ROE) | 5.2640% | 4,257 |
| Retained earnings to average equity (ytd only) | 4.7996% | 2,995 |
| Net charge-offs to loans | 0.0948% | 1,187 |
| Credit loss provision to net charge-offs | 258.6207% | 905 |
| Earnings coverage of net charge-offs (x) | 18.1379% | 1,633 |
| Efficiency ratio | 74.6139% | 1,662 |
| Assets per employee ($millions) | 3.8529% | 4,114 |
| Cash dividends to net income (ytd only)* | 8.8235% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 797 |
| Loan loss allowance to noncurrent loans | 136.5291% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.7701% | 1,828 |
| Noncurrent loans to loans | 1.2724% | 1,292 |
| Net loans and leases to total assets | 56.0653% | 4,054 |
| Net loans and leases to deposits | 68.4774% | 3,886 |
| Net loans and leases to core deposits | 72.4748% | 3,912 |
| Total domestic deposits to total assets | 81.8741% | 3,756 |
| Equity capital to assets | 12.8954% | 1,513 |
| Core capital (leverage) ratio | 13.0342% | 1,259 |
| Tier 1 risk-based capital ratio | 19.0676% | 1,530 |
| Total risk-based capital ratio | 20.3203% | 1,504 |
| Memoranda: | ||
| Average total assets | $422,252,000 | 1,676 |
| Average earning assets | $391,672,000 | 1,668 |
| Average equity | $54,255,000 | 1,464 |
| Average total loans | $244,794,500 | 1,891 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 2,985 |
| Cost of funding earning assets | 0.4229% | 3,835 |
| Net interest margin | 3.9110% | 2,294 |
| Noninterest income to average assets | 0.3547% | 3,727 |
| Noninterest expense to average assets | 2.9153% | 2,299 |
| Loan and lease loss provision to assets | 0.1212% | 1,819 |
| Net operating income to assets | 0.7472% | 3,976 |
| Return on assets (ROA) | 0.7472% | 3,979 |
| Pretax return on assets | 0.9437% | 3,778 |
| Return on Equity (ROE) | 5.9920% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.5823% | 2,428 |
| Net charge-offs to loans | 0.1200% | 1,538 |
| Credit loss provision to net charge-offs | 179.5775% | 1,577 |
| Earnings coverage of net charge-offs (x) | 15.7817% | 2,305 |
| Efficiency ratio | 73.2450% | 1,723 |
| Assets per employee ($millions) | 3.7899% | 4,196 |
| Cash dividends to net income (ytd only)* | 6.8362% | 3,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 909 |
| Loan loss allowance to noncurrent loans | 134.3249% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.8565% | 1,632 |
| Noncurrent loans to loans | 1.2346% | 1,289 |
| Net loans and leases to total assets | 57.9207% | 3,974 |
| Net loans and leases to deposits | 70.7192% | 3,768 |
| Net loans and leases to core deposits | 75.9980% | 3,721 |
| Total domestic deposits to total assets | 81.9024% | 3,667 |
| Equity capital to assets | 12.8021% | 1,433 |
| Core capital (leverage) ratio | 12.8669% | 1,299 |
| Tier 1 risk-based capital ratio | 18.2852% | 1,670 |
| Total risk-based capital ratio | 19.5368% | 1,623 |
| Memoranda: | ||
| Average total assets | $420,879,800 | 1,625 |
| Average earning assets | $390,152,600 | 1,623 |
| Average equity | $52,487,000 | 1,453 |
| Average total loans | $236,647,200 | 1,904 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2611% | 3,114 |
| Cost of funding earning assets | 0.3721% | 4,035 |
| Net interest margin | 3.8890% | 2,343 |
| Noninterest income to average assets | 0.3650% | 3,685 |
| Noninterest expense to average assets | 2.8041% | 2,623 |
| Loan and lease loss provision to assets | 0.0937% | 2,103 |
| Net operating income to assets | 0.8701% | 3,661 |
| Return on assets (ROA) | 0.8701% | 3,664 |
| Pretax return on assets | 1.1001% | 3,401 |
| Return on Equity (ROE) | 7.4419% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.9909% | 2,130 |
| Net charge-offs to loans | 0.1638% | 1,007 |
| Credit loss provision to net charge-offs | 103.8462% | 2,202 |
| Earnings coverage of net charge-offs (x) | 13.2346% | 2,383 |
| Efficiency ratio | 70.1406% | 2,169 |
| Assets per employee ($millions) | 3.7248% | 4,272 |
| Cash dividends to net income (ytd only)* | 6.0606% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 1,548 |
| Loan loss allowance to noncurrent loans | 303.5951% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 2,969 |
| Noncurrent loans to loans | 0.4749% | 2,961 |
| Net loans and leases to total assets | 57.7394% | 4,065 |
| Net loans and leases to deposits | 70.4049% | 3,888 |
| Net loans and leases to core deposits | 74.9837% | 3,881 |
| Total domestic deposits to total assets | 82.0104% | 3,603 |
| Equity capital to assets | 12.0829% | 1,846 |
| Core capital (leverage) ratio | 11.8644% | 1,866 |
| Tier 1 risk-based capital ratio | 16.5998% | 2,247 |
| Total risk-based capital ratio | 17.7577% | 2,209 |
| Memoranda: | ||
| Average total assets | $384,333,500 | 1,785 |
| Average earning assets | $359,020,500 | 1,776 |
| Average equity | $44,933,500 | 1,671 |
| Average total loans | $211,609,000 | 2,090 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 3,352 |
| Cost of funding earning assets | 0.3170% | 4,291 |
| Net interest margin | 3.8111% | 2,532 |
| Noninterest income to average assets | 0.3219% | 4,033 |
| Noninterest expense to average assets | 2.7143% | 2,964 |
| Loan and lease loss provision to assets | 0.0778% | 2,352 |
| Net operating income to assets | 0.8657% | 3,602 |
| Return on assets (ROA) | 0.8657% | 3,603 |
| Pretax return on assets | 1.0943% | 3,341 |
| Return on Equity (ROE) | 7.4872% | 3,730 |
| Retained earnings to average equity (ytd only) | 7.0344% | 2,059 |
| Net charge-offs to loans | 0.1414% | 1,072 |
| Credit loss provision to net charge-offs | 102.0408% | 1,985 |
| Earnings coverage of net charge-offs (x) | 15.3810% | 2,044 |
| Efficiency ratio | 69.8413% | 2,341 |
| Assets per employee ($millions) | 3.9639% | 3,959 |
| Cash dividends to net income (ytd only)* | 6.0479% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 1,486 |
| Loan loss allowance to noncurrent loans | 53.0220% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.5546% | 842 |
| Noncurrent loans to loans | 2.7715% | 438 |
| Net loans and leases to total assets | 55.2684% | 4,219 |
| Net loans and leases to deposits | 71.3460% | 3,761 |
| Net loans and leases to core deposits | 74.6028% | 3,835 |
| Total domestic deposits to total assets | 77.4653% | 4,669 |
| Equity capital to assets | 11.6357% | 2,103 |
| Core capital (leverage) ratio | 11.7329% | 1,881 |
| Tier 1 risk-based capital ratio | 16.8604% | 2,144 |
| Total risk-based capital ratio | 18.0543% | 2,109 |
| Memoranda: | ||
| Average total assets | $385,802,670 | 1,786 |
| Average earning assets | $360,839,330 | 1,774 |
| Average equity | $44,609,330 | 1,687 |
| Average total loans | $207,953,330 | 2,117 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0254% | 3,525 |
| Cost of funding earning assets | 0.3009% | 4,349 |
| Net interest margin | 3.7246% | 2,706 |
| Noninterest income to average assets | 0.3340% | 3,921 |
| Noninterest expense to average assets | 2.6280% | 3,252 |
| Loan and lease loss provision to assets | 0.0780% | 2,211 |
| Net operating income to assets | 0.8843% | 3,356 |
| Return on assets (ROA) | 0.8843% | 3,369 |
| Pretax return on assets | 1.1184% | 3,105 |
| Return on Equity (ROE) | 7.6725% | 3,515 |
| Retained earnings to average equity (ytd only) | 7.2122% | 2,179 |
| Net charge-offs to loans | 0.3054% | 497 |
| Credit loss provision to net charge-offs | 48.3871% | 1,964 |
| Earnings coverage of net charge-offs (x) | 7.4194% | 2,091 |
| Efficiency ratio | 68.7160% | 2,715 |
| Assets per employee ($millions) | 4.0754% | 3,843 |
| Cash dividends to net income (ytd only)* | 6.0000% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 1,412 |
| Loan loss allowance to noncurrent loans | 275.5300% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 3,690 |
| Noncurrent loans to loans | 0.5495% | 2,879 |
| Net loans and leases to total assets | 52.4066% | 4,410 |
| Net loans and leases to deposits | 67.7106% | 3,968 |
| Net loans and leases to core deposits | 70.3241% | 4,068 |
| Total domestic deposits to total assets | 77.3979% | 4,817 |
| Equity capital to assets | 11.5104% | 2,120 |
| Core capital (leverage) ratio | 11.6337% | 1,904 |
| Tier 1 risk-based capital ratio | 17.3421% | 2,018 |
| Total risk-based capital ratio | 18.5590% | 1,984 |
| Memoranda: | ||
| Average total assets | $384,474,500 | 1,803 |
| Average earning assets | $360,309,000 | 1,784 |
| Average equity | $44,314,000 | 1,698 |
| Average total loans | $202,981,500 | 2,175 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8032% | 4,044 |
| Cost of funding earning assets | 0.2234% | 4,763 |
| Net interest margin | 3.5798% | 3,240 |
| Noninterest income to average assets | 0.4099% | 3,568 |
| Noninterest expense to average assets | 2.8115% | 2,732 |
| Loan and lease loss provision to assets | 0.2405% | 794 |
| Net operating income to assets | 0.4309% | 4,585 |
| Return on assets (ROA) | 0.4241% | 4,634 |
| Pretax return on assets | 0.6956% | 4,519 |
| Return on Equity (ROE) | 3.6454% | 4,631 |
| Retained earnings to average equity (ytd only) | 3.4111% | 3,242 |
| Net charge-offs to loans | 1.0660% | 164 |
| Credit loss provision to net charge-offs | 42.5733% | 3,417 |
| Earnings coverage of net charge-offs (x) | 1.6760% | 3,864 |
| Efficiency ratio | 74.8080% | 1,787 |
| Assets per employee ($millions) | 4.0188% | 3,929 |
| Cash dividends to net income (ytd only)* | 6.4272% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 1,144 |
| Loan loss allowance to noncurrent loans | 183.6395% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 3,045 |
| Noncurrent loans to loans | 0.8712% | 2,047 |
| Net loans and leases to total assets | 51.5331% | 4,549 |
| Net loans and leases to deposits | 66.7214% | 4,129 |
| Net loans and leases to core deposits | 69.4298% | 4,212 |
| Total domestic deposits to total assets | 77.2362% | 4,834 |
| Equity capital to assets | 11.5415% | 2,171 |
| Core capital (leverage) ratio | 11.5705% | 1,893 |
| Tier 1 risk-based capital ratio | 18.0363% | 1,793 |
| Total risk-based capital ratio | 19.2868% | 1,742 |
| Memoranda: | ||
| Average total assets | $374,209,000 | 1,813 |
| Average earning assets | $350,020,200 | 1,805 |
| Average equity | $43,534,400 | 1,706 |
| Average total loans | $198,303,400 | 2,168 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 4,033 |
| Cost of funding earning assets | 0.2042% | 4,941 |
| Net interest margin | 3.5883% | 3,200 |
| Noninterest income to average assets | 0.4022% | 3,668 |
| Noninterest expense to average assets | 2.8337% | 2,620 |
| Loan and lease loss provision to assets | 0.2417% | 731 |
| Net operating income to assets | 0.4548% | 4,870 |
| Return on assets (ROA) | 0.4548% | 4,897 |
| Pretax return on assets | 0.6801% | 4,655 |
| Return on Equity (ROE) | 3.9014% | 4,881 |
| Retained earnings to average equity (ytd only) | 3.7447% | 3,694 |
| Net charge-offs to loans | 0.9197% | 199 |
| Credit loss provision to net charge-offs | 49.4505% | 2,918 |
| Earnings coverage of net charge-offs (x) | 1.8857% | 3,535 |
| Efficiency ratio | 75.4553% | 1,670 |
| Assets per employee ($millions) | 3.8754% | 4,197 |
| Cash dividends to net income (ytd only)* | 4.0159% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8585% | 768 |
| Loan loss allowance to noncurrent loans | 145.4865% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 2,403 |
| Noncurrent loans to loans | 1.2774% | 1,504 |
| Net loans and leases to total assets | 52.8440% | 4,509 |
| Net loans and leases to deposits | 69.0647% | 4,033 |
| Net loans and leases to core deposits | 71.9068% | 4,136 |
| Total domestic deposits to total assets | 76.5138% | 4,954 |
| Equity capital to assets | 11.8331% | 2,087 |
| Core capital (leverage) ratio | 11.7082% | 1,873 |
| Tier 1 risk-based capital ratio | 17.6465% | 1,960 |
| Total risk-based capital ratio | 18.8993% | 1,898 |
| Memoranda: | ||
| Average total assets | $372,314,750 | 1,829 |
| Average earning assets | $347,934,500 | 1,821 |
| Average equity | $43,402,000 | 1,726 |
| Average total loans | $197,893,000 | 2,182 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7818% | 3,954 |
| Cost of funding earning assets | 0.1908% | 5,063 |
| Net interest margin | 3.5911% | 3,075 |
| Noninterest income to average assets | 0.4323% | 3,473 |
| Noninterest expense to average assets | 2.8147% | 2,700 |
| Loan and lease loss provision to assets | 0.2417% | 700 |
| Net operating income to assets | 0.4898% | 4,732 |
| Return on assets (ROA) | 0.4898% | 4,767 |
| Pretax return on assets | 0.7325% | 4,470 |
| Return on Equity (ROE) | 4.2227% | 4,761 |
| Retained earnings to average equity (ytd only) | 4.2227% | 3,194 |
| Net charge-offs to loans | 1.3781% | 135 |
| Credit loss provision to net charge-offs | 33.1370% | 2,708 |
| Earnings coverage of net charge-offs (x) | 1.3358% | 3,292 |
| Efficiency ratio | 74.2877% | 1,961 |
| Assets per employee ($millions) | 3.8166% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8373% | 818 |
| Loan loss allowance to noncurrent loans | 134.3942% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.7185% | 2,410 |
| Noncurrent loans to loans | 1.3671% | 1,416 |
| Net loans and leases to total assets | 50.5835% | 4,668 |
| Net loans and leases to deposits | 61.7171% | 4,522 |
| Net loans and leases to core deposits | 64.0921% | 4,599 |
| Total domestic deposits to total assets | 81.9602% | 3,898 |
| Equity capital to assets | 11.8249% | 2,060 |
| Core capital (leverage) ratio | 11.7369% | 1,809 |
| Tier 1 risk-based capital ratio | 18.0966% | 1,827 |
| Total risk-based capital ratio | 19.3491% | 1,782 |
| Memoranda: | ||
| Average total assets | $372,406,330 | 1,834 |
| Average earning assets | $348,083,670 | 1,825 |
| Average equity | $43,194,670 | 1,730 |
| Average total loans | $197,082,670 | 2,193 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 3,793 |
| Cost of funding earning assets | 0.1913% | 5,056 |
| Net interest margin | 3.5988% | 2,891 |
| Noninterest income to average assets | 0.3738% | 3,851 |
| Noninterest expense to average assets | 2.7159% | 3,082 |
| Loan and lease loss provision to assets | 0.2410% | 641 |
| Net operating income to assets | 0.5215% | 4,512 |
| Return on assets (ROA) | 0.5215% | 4,544 |
| Pretax return on assets | 0.7818% | 4,179 |
| Return on Equity (ROE) | 4.5404% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.5404% | 3,155 |
| Net charge-offs to loans | 2.7128% | 64 |
| Credit loss provision to net charge-offs | 16.5685% | 2,188 |
| Earnings coverage of net charge-offs (x) | 0.7032% | 2,802 |
| Efficiency ratio | 72.6439% | 2,464 |
| Assets per employee ($millions) | 3.8426% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 1,311 |
| Loan loss allowance to noncurrent loans | 125.0477% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7252% | 2,481 |
| Noncurrent loans to loans | 1.3032% | 1,552 |
| Net loans and leases to total assets | 53.6721% | 4,365 |
| Net loans and leases to deposits | 65.4288% | 4,216 |
| Net loans and leases to core deposits | 68.0157% | 4,298 |
| Total domestic deposits to total assets | 82.0313% | 4,160 |
| Equity capital to assets | 11.7066% | 2,030 |
| Core capital (leverage) ratio | 11.5380% | 1,915 |
| Tier 1 risk-based capital ratio | 17.7446% | 1,960 |
| Total risk-based capital ratio | 18.9957% | 1,914 |
| Memoranda: | ||
| Average total assets | $373,504,500 | 1,840 |
| Average earning assets | $349,226,500 | 1,831 |
| Average equity | $42,903,500 | 1,740 |
| Average total loans | $200,239,000 | 2,182 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7394% | 4,091 |
| Cost of funding earning assets | 0.1471% | 5,441 |
| Net interest margin | 3.5923% | 3,095 |
| Noninterest income to average assets | 0.5223% | 3,083 |
| Noninterest expense to average assets | 2.7346% | 3,244 |
| Loan and lease loss provision to assets | 0.3107% | 604 |
| Net operating income to assets | 0.5662% | 4,361 |
| Return on assets (ROA) | 0.5662% | 4,466 |
| Pretax return on assets | 0.8484% | 4,018 |
| Return on Equity (ROE) | 5.1047% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.1047% | 2,281 |
| Net charge-offs to loans | 0.0512% | 3,017 |
| Credit loss provision to net charge-offs | 1,140.7767% | 346 |
| Earnings coverage of net charge-offs (x) | 42.5534% | 1,136 |
| Efficiency ratio | 70.2303% | 2,866 |
| Assets per employee ($millions) | 3.8982% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2153% | 453 |
| Loan loss allowance to noncurrent loans | 110.6570% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.0668% | 1,765 |
| Noncurrent loans to loans | 2.0019% | 903 |
| Net loans and leases to total assets | 51.5166% | 4,650 |
| Net loans and leases to deposits | 62.3387% | 4,520 |
| Net loans and leases to core deposits | 64.7953% | 4,590 |
| Total domestic deposits to total assets | 82.6398% | 3,879 |
| Equity capital to assets | 11.2723% | 2,352 |
| Core capital (leverage) ratio | 11.1759% | 2,187 |
| Tier 1 risk-based capital ratio | 17.9280% | 1,871 |
| Total risk-based capital ratio | 19.1854% | 1,827 |
| Memoranda: | ||
| Average total assets | $378,119,000 | 1,775 |
| Average earning assets | $354,873,400 | 1,752 |
| Average equity | $41,941,400 | 1,764 |
| Average total loans | $201,258,400 | 2,117 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7004% | 4,248 |
| Cost of funding earning assets | 0.1439% | 5,516 |
| Net interest margin | 3.5565% | 3,245 |
| Noninterest income to average assets | 0.5836% | 2,742 |
| Noninterest expense to average assets | 2.7469% | 3,186 |
| Loan and lease loss provision to assets | 0.3350% | 488 |
| Net operating income to assets | 0.5610% | 4,454 |
| Return on assets (ROA) | 0.5610% | 4,558 |
| Pretax return on assets | 0.8406% | 4,185 |
| Return on Equity (ROE) | 5.0784% | 4,484 |
| Retained earnings to average equity (ytd only) | 5.0784% | 2,773 |
| Net charge-offs to loans | 0.0535% | 2,598 |
| Credit loss provision to net charge-offs | 1,172.8395% | 352 |
| Earnings coverage of net charge-offs (x) | 41.1594% | 1,214 |
| Efficiency ratio | 70.0288% | 2,882 |
| Assets per employee ($millions) | 3.8757% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0582% | 656 |
| Loan loss allowance to noncurrent loans | 113.2974% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.9925% | 2,087 |
| Noncurrent loans to loans | 1.8166% | 1,132 |
| Net loans and leases to total assets | 52.2012% | 4,643 |
| Net loans and leases to deposits | 67.3060% | 4,220 |
| Net loans and leases to core deposits | 69.9864% | 4,327 |
| Total domestic deposits to total assets | 77.5580% | 4,991 |
| Equity capital to assets | 11.1463% | 2,863 |
| Core capital (leverage) ratio | 11.1337% | 2,327 |
| Tier 1 risk-based capital ratio | 16.9709% | 2,236 |
| Total risk-based capital ratio | 18.2266% | 2,192 |
| Memoranda: | ||
| Average total assets | $378,118,000 | 1,775 |
| Average earning assets | $354,982,000 | 1,751 |
| Average equity | $41,771,000 | 1,780 |
| Average total loans | $201,770,750 | 2,109 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6695% | 4,389 |
| Cost of funding earning assets | 0.1419% | 5,599 |
| Net interest margin | 3.5276% | 3,379 |
| Noninterest income to average assets | 0.6958% | 2,162 |
| Noninterest expense to average assets | 2.7338% | 3,261 |
| Loan and lease loss provision to assets | 0.3854% | 403 |
| Net operating income to assets | 0.5953% | 4,293 |
| Return on assets (ROA) | 0.5953% | 4,415 |
| Pretax return on assets | 0.8925% | 3,978 |
| Return on Equity (ROE) | 5.4056% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.4056% | 2,482 |
| Net charge-offs to loans | 0.0149% | 3,236 |
| Credit loss provision to net charge-offs | 4,833.3333% | 90 |
| Earnings coverage of net charge-offs (x) | 160.2667% | 393 |
| Efficiency ratio | 68.1463% | 3,314 |
| Assets per employee ($millions) | 3.8210% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9959% | 742 |
| Loan loss allowance to noncurrent loans | 101.5801% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.0744% | 1,978 |
| Noncurrent loans to loans | 1.9648% | 1,014 |
| Net loans and leases to total assets | 53.1096% | 4,574 |
| Net loans and leases to deposits | 64.3641% | 4,468 |
| Net loans and leases to core deposits | 67.1011% | 4,537 |
| Total domestic deposits to total assets | 82.5143% | 3,833 |
| Equity capital to assets | 11.2876% | 2,752 |
| Core capital (leverage) ratio | 11.0868% | 2,337 |
| Tier 1 risk-based capital ratio | 16.5284% | 2,413 |
| Total risk-based capital ratio | 17.7829% | 2,360 |
| Memoranda: | ||
| Average total assets | $376,258,670 | 1,782 |
| Average earning assets | $353,670,000 | 1,758 |
| Average equity | $41,438,670 | 1,791 |
| Average total loans | $200,860,000 | 2,122 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6686% | 4,426 |
| Cost of funding earning assets | 0.1454% | 5,641 |
| Net interest margin | 3.5232% | 3,376 |
| Noninterest income to average assets | 0.5844% | 2,620 |
| Noninterest expense to average assets | 2.7118% | 3,375 |
| Loan and lease loss provision to assets | 0.2386% | 760 |
| Net operating income to assets | 0.6332% | 4,045 |
| Return on assets (ROA) | 0.6332% | 4,163 |
| Pretax return on assets | 0.9492% | 3,663 |
| Return on Equity (ROE) | 5.8209% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.8209% | 2,458 |
| Net charge-offs to loans | 0.0120% | 2,724 |
| Credit loss provision to net charge-offs | 3,750.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 186.6667% | 323 |
| Efficiency ratio | 69.5404% | 3,207 |
| Assets per employee ($millions) | 3.7068% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7845% | 1,183 |
| Loan loss allowance to noncurrent loans | 171.8976% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 3,359 |
| Noncurrent loans to loans | 1.0381% | 2,312 |
| Net loans and leases to total assets | 52.8578% | 4,546 |
| Net loans and leases to deposits | 60.0406% | 4,714 |
| Net loans and leases to core deposits | 62.5944% | 4,777 |
| Total domestic deposits to total assets | 88.0367% | 1,621 |
| Equity capital to assets | 11.1966% | 2,730 |
| Core capital (leverage) ratio | 10.8363% | 2,586 |
| Tier 1 risk-based capital ratio | 16.4796% | 2,483 |
| Total risk-based capital ratio | 17.7319% | 2,436 |
| Memoranda: | ||
| Average total assets | $377,161,000 | 1,778 |
| Average earning assets | $354,900,000 | 1,754 |
| Average equity | $41,024,500 | 1,804 |
| Average total loans | $199,829,500 | 2,133 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 4,304 |
| Cost of funding earning assets | 0.1400% | 5,752 |
| Net interest margin | 3.5819% | 3,201 |
| Noninterest income to average assets | 0.3456% | 4,442 |
| Noninterest expense to average assets | 2.6550% | 3,742 |
| Loan and lease loss provision to assets | 0.0758% | 2,757 |
| Net operating income to assets | 0.6505% | 4,034 |
| Return on assets (ROA) | 0.6505% | 4,133 |
| Pretax return on assets | 0.9769% | 3,553 |
| Return on Equity (ROE) | 6.5565% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.5565% | 1,507 |
| Net charge-offs to loans | 0.4436% | 620 |
| Credit loss provision to net charge-offs | 34.0909% | 3,601 |
| Earnings coverage of net charge-offs (x) | 4.7352% | 3,498 |
| Efficiency ratio | 71.6086% | 2,964 |
| Assets per employee ($millions) | 3.7985% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 1,419 |
| Loan loss allowance to noncurrent loans | 169.3360% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 3,544 |
| Noncurrent loans to loans | 0.9857% | 2,366 |
| Net loans and leases to total assets | 51.3043% | 4,749 |
| Net loans and leases to deposits | 57.8472% | 4,923 |
| Net loans and leases to core deposits | 60.2078% | 4,972 |
| Total domestic deposits to total assets | 88.6893% | 1,289 |
| Equity capital to assets | 10.5686% | 3,288 |
| Core capital (leverage) ratio | 10.6460% | 2,779 |
| Tier 1 risk-based capital ratio | 16.8409% | 2,339 |
| Total risk-based capital ratio | 18.0927% | 2,294 |
| Memoranda: | ||
| Average total assets | $395,855,000 | 1,665 |
| Average earning assets | $371,558,800 | 1,634 |
| Average equity | $39,274,000 | 1,831 |
| Average total loans | $198,365,800 | 2,087 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 4,235 |
| Cost of funding earning assets | 0.1403% | 5,845 |
| Net interest margin | 3.6167% | 3,094 |
| Noninterest income to average assets | 0.3362% | 4,537 |
| Noninterest expense to average assets | 2.6482% | 3,726 |
| Loan and lease loss provision to assets | 0.0752% | 2,677 |
| Net operating income to assets | 0.6701% | 4,034 |
| Return on assets (ROA) | 0.6701% | 4,147 |
| Pretax return on assets | 1.0064% | 3,586 |
| Return on Equity (ROE) | 6.8623% | 3,699 |
| Retained earnings to average equity (ytd only) | 6.8623% | 1,751 |
| Net charge-offs to loans | 0.5989% | 375 |
| Credit loss provision to net charge-offs | 25.3093% | 3,321 |
| Earnings coverage of net charge-offs (x) | 3.6401% | 3,476 |
| Efficiency ratio | 71.0010% | 3,046 |
| Assets per employee ($millions) | 3.8323% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 1,476 |
| Loan loss allowance to noncurrent loans | 165.8686% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 3,765 |
| Noncurrent loans to loans | 1.0226% | 2,433 |
| Net loans and leases to total assets | 48.7537% | 5,029 |
| Net loans and leases to deposits | 58.4597% | 4,956 |
| Net loans and leases to core deposits | 61.0459% | 5,000 |
| Total domestic deposits to total assets | 83.3971% | 3,657 |
| Equity capital to assets | 10.4199% | 3,687 |
| Core capital (leverage) ratio | 10.1835% | 3,393 |
| Tier 1 risk-based capital ratio | 16.8210% | 2,430 |
| Total risk-based capital ratio | 18.0724% | 2,392 |
| Memoranda: | ||
| Average total assets | $398,907,000 | 1,665 |
| Average earning assets | $374,295,250 | 1,639 |
| Average equity | $38,956,000 | 1,863 |
| Average total loans | $197,915,250 | 2,090 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5123% | 4,954 |
| Cost of funding earning assets | 0.1398% | 5,921 |
| Net interest margin | 3.3725% | 4,001 |
| Noninterest income to average assets | 0.3634% | 4,345 |
| Noninterest expense to average assets | 2.5751% | 3,987 |
| Loan and lease loss provision to assets | 0.0745% | 2,629 |
| Net operating income to assets | 0.5838% | 4,420 |
| Return on assets (ROA) | 0.5838% | 4,514 |
| Pretax return on assets | 0.8757% | 4,047 |
| Return on Equity (ROE) | 6.1095% | 4,074 |
| Retained earnings to average equity (ytd only) | 6.1095% | 2,167 |
| Net charge-offs to loans | -0.0990% | 5,784 |
| Credit loss provision to net charge-offs | -151.5152% | 4,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0460% | 2,829 |
| Assets per employee ($millions) | 3.7694% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 836 |
| Loan loss allowance to noncurrent loans | 128.5054% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.8358% | 2,886 |
| Noncurrent loans to loans | 1.6476% | 1,587 |
| Net loans and leases to total assets | 49.6556% | 4,969 |
| Net loans and leases to deposits | 55.6065% | 5,148 |
| Net loans and leases to core deposits | 57.8888% | 5,205 |
| Total domestic deposits to total assets | 89.2983% | 1,005 |
| Equity capital to assets | 10.0653% | 3,961 |
| Core capital (leverage) ratio | 9.8331% | 3,823 |
| Tier 1 risk-based capital ratio | 16.1784% | 2,768 |
| Total risk-based capital ratio | 17.4345% | 2,714 |
| Memoranda: | ||
| Average total assets | $402,856,670 | 1,658 |
| Average earning assets | $377,706,000 | 1,631 |
| Average equity | $38,497,670 | 1,893 |
| Average total loans | $199,900,000 | 2,091 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4591% | 5,066 |
| Cost of funding earning assets | 0.1384% | 6,008 |
| Net interest margin | 3.3208% | 4,127 |
| Noninterest income to average assets | 0.3326% | 4,529 |
| Noninterest expense to average assets | 2.4702% | 4,368 |
| Loan and lease loss provision to assets | 0.0731% | 2,477 |
| Net operating income to assets | 0.5998% | 4,291 |
| Return on assets (ROA) | 0.5998% | 4,389 |
| Pretax return on assets | 0.9021% | 3,880 |
| Return on Equity (ROE) | 6.4385% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.4385% | 2,266 |
| Net charge-offs to loans | -0.0636% | 5,648 |
| Credit loss provision to net charge-offs | -234.3750% | 4,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6954% | 3,221 |
| Assets per employee ($millions) | 4.0397% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9718% | 1,136 |
| Loan loss allowance to noncurrent loans | 126.3092% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.8282% | 3,023 |
| Noncurrent loans to loans | 1.5611% | 1,792 |
| Net loans and leases to total assets | 49.0798% | 4,932 |
| Net loans and leases to deposits | 54.5807% | 5,152 |
| Net loans and leases to core deposits | 56.7517% | 5,200 |
| Total domestic deposits to total assets | 89.9215% | 779 |
| Equity capital to assets | 9.4623% | 4,791 |
| Core capital (leverage) ratio | 9.3987% | 4,434 |
| Tier 1 risk-based capital ratio | 16.6121% | 2,633 |
| Total risk-based capital ratio | 17.8681% | 2,580 |
| Memoranda: | ||
| Average total assets | $410,162,000 | 1,642 |
| Average earning assets | $384,489,000 | 1,614 |
| Average equity | $38,207,500 | 1,918 |
| Average total loans | $201,372,000 | 2,077 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3855% | 5,560 |
| Cost of funding earning assets | 0.1442% | 6,130 |
| Net interest margin | 3.2412% | 4,789 |
| Noninterest income to average assets | 0.6224% | 2,724 |
| Noninterest expense to average assets | 2.6070% | 4,191 |
| Loan and lease loss provision to assets | 0.0754% | 2,972 |
| Net operating income to assets | 0.6357% | 4,210 |
| Return on assets (ROA) | 0.6357% | 4,312 |
| Pretax return on assets | 0.9556% | 3,666 |
| Return on Equity (ROE) | 6.9573% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.9573% | 1,430 |
| Net charge-offs to loans | -0.1202% | 6,160 |
| Credit loss provision to net charge-offs | -137.6147% | 5,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6605% | 3,263 |
| Assets per employee ($millions) | 4.0423% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9757% | 1,150 |
| Loan loss allowance to noncurrent loans | 97.7075% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.0194% | 2,704 |
| Noncurrent loans to loans | 2.0220% | 1,368 |
| Net loans and leases to total assets | 47.1836% | 5,234 |
| Net loans and leases to deposits | 52.3035% | 5,461 |
| Net loans and leases to core deposits | 54.3686% | 5,481 |
| Total domestic deposits to total assets | 90.2111% | 646 |
| Equity capital to assets | 9.1697% | 5,110 |
| Core capital (leverage) ratio | 9.2870% | 4,556 |
| Tier 1 risk-based capital ratio | 15.6848% | 3,135 |
| Total risk-based capital ratio | 16.8851% | 3,095 |
| Memoranda: | ||
| Average total assets | $397,973,000 | 1,649 |
| Average earning assets | $370,260,000 | 1,629 |
| Average equity | $36,364,800 | 1,931 |
| Average total loans | $181,390,800 | 2,210 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3765% | 5,631 |
| Cost of funding earning assets | 0.1449% | 6,214 |
| Net interest margin | 3.2316% | 4,850 |
| Noninterest income to average assets | 0.6981% | 2,334 |
| Noninterest expense to average assets | 2.6194% | 4,132 |
| Loan and lease loss provision to assets | 0.0761% | 2,814 |
| Net operating income to assets | 0.6670% | 4,116 |
| Return on assets (ROA) | 0.6670% | 4,217 |
| Pretax return on assets | 1.0044% | 3,573 |
| Return on Equity (ROE) | 7.3064% | 3,550 |
| Retained earnings to average equity (ytd only) | 7.3064% | 1,669 |
| Net charge-offs to loans | -0.1671% | 6,270 |
| Credit loss provision to net charge-offs | -101.3514% | 5,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7968% | 3,370 |
| Assets per employee ($millions) | 3.9041% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0593% | 1,150 |
| Loan loss allowance to noncurrent loans | 93.8323% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.0885% | 2,788 |
| Noncurrent loans to loans | 2.1947% | 1,390 |
| Net loans and leases to total assets | 46.4253% | 5,337 |
| Net loans and leases to deposits | 51.6564% | 5,554 |
| Net loans and leases to core deposits | 53.7612% | 5,583 |
| Total domestic deposits to total assets | 89.8732% | 796 |
| Equity capital to assets | 9.3926% | 4,936 |
| Core capital (leverage) ratio | 9.5363% | 4,322 |
| Tier 1 risk-based capital ratio | 16.1053% | 3,013 |
| Total risk-based capital ratio | 17.3607% | 2,957 |
| Memoranda: | ||
| Average total assets | $394,387,500 | 1,679 |
| Average earning assets | $366,327,250 | 1,653 |
| Average equity | $36,004,000 | 1,958 |
| Average total loans | $177,122,000 | 2,268 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3849% | 5,656 |
| Cost of funding earning assets | 0.1466% | 6,282 |
| Net interest margin | 3.2383% | 4,813 |
| Noninterest income to average assets | 0.6374% | 2,619 |
| Noninterest expense to average assets | 2.6074% | 4,214 |
| Loan and lease loss provision to assets | 0.0761% | 2,750 |
| Net operating income to assets | 0.6344% | 4,185 |
| Return on assets (ROA) | 0.6344% | 4,286 |
| Pretax return on assets | 0.9553% | 3,660 |
| Return on Equity (ROE) | 7.0163% | 3,616 |
| Retained earnings to average equity (ytd only) | 7.0163% | 1,767 |
| Net charge-offs to loans | -0.0506% | 5,882 |
| Credit loss provision to net charge-offs | -340.9091% | 5,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6555% | 3,404 |
| Assets per employee ($millions) | 3.9130% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9845% | 1,389 |
| Loan loss allowance to noncurrent loans | 86.3385% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3188% | 2,477 |
| Noncurrent loans to loans | 2.2985% | 1,412 |
| Net loans and leases to total assets | 45.8473% | 5,373 |
| Net loans and leases to deposits | 50.9889% | 5,561 |
| Net loans and leases to core deposits | 53.0674% | 5,609 |
| Total domestic deposits to total assets | 89.9164% | 850 |
| Equity capital to assets | 9.4055% | 4,839 |
| Core capital (leverage) ratio | 9.2737% | 4,635 |
| Tier 1 risk-based capital ratio | 16.7762% | 2,717 |
| Total risk-based capital ratio | 18.0317% | 2,681 |
| Memoranda: | ||
| Average total assets | $394,413,000 | 1,681 |
| Average earning assets | $365,565,000 | 1,655 |
| Average equity | $35,660,000 | 1,960 |
| Average total loans | $173,859,670 | 2,306 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4622% | 5,520 |
| Cost of funding earning assets | 0.1483% | 6,362 |
| Net interest margin | 3.3139% | 4,478 |
| Noninterest income to average assets | 0.5569% | 3,004 |
| Noninterest expense to average assets | 2.5040% | 4,611 |
| Loan and lease loss provision to assets | 0.0754% | 2,633 |
| Net operating income to assets | 0.7006% | 3,684 |
| Return on assets (ROA) | 0.7006% | 3,763 |
| Pretax return on assets | 1.0555% | 3,107 |
| Return on Equity (ROE) | 7.9043% | 2,971 |
| Retained earnings to average equity (ytd only) | 7.9043% | 1,629 |
| Net charge-offs to loans | 0.0588% | 2,572 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 817 |
| Efficiency ratio | 68.8883% | 4,021 |
| Assets per employee ($millions) | 4.0108% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0422% | 1,437 |
| Loan loss allowance to noncurrent loans | 80.0928% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.3184% | 2,673 |
| Noncurrent loans to loans | 2.5498% | 1,355 |
| Net loans and leases to total assets | 41.2839% | 5,724 |
| Net loans and leases to deposits | 45.6783% | 5,870 |
| Net loans and leases to core deposits | 47.4647% | 5,906 |
| Total domestic deposits to total assets | 90.3797% | 871 |
| Equity capital to assets | 8.9142% | 5,212 |
| Core capital (leverage) ratio | 9.0921% | 4,881 |
| Tier 1 risk-based capital ratio | 17.0593% | 2,663 |
| Total risk-based capital ratio | 18.3143% | 2,614 |
| Memoranda: | ||
| Average total assets | $397,924,500 | 1,675 |
| Average earning assets | $369,596,500 | 1,652 |
| Average equity | $35,272,000 | 1,972 |
| Average total loans | $170,187,500 | 2,348 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3788% | 5,879 |
| Cost of funding earning assets | 0.1879% | 6,349 |
| Net interest margin | 3.1909% | 5,030 |
| Noninterest income to average assets | 0.4864% | 3,845 |
| Noninterest expense to average assets | 2.7727% | 3,820 |
| Loan and lease loss provision to assets | 0.0862% | 3,388 |
| Net operating income to assets | 0.3787% | 5,225 |
| Return on assets (ROA) | 0.3787% | 5,340 |
| Pretax return on assets | 0.5728% | 4,959 |
| Return on Equity (ROE) | 3.9940% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.9940% | 3,354 |
| Net charge-offs to loans | 0.0571% | 4,431 |
| Credit loss provision to net charge-offs | 328.4211% | 699 |
| Earnings coverage of net charge-offs (x) | 25.1158% | 1,341 |
| Efficiency ratio | 80.7968% | 2,044 |
| Assets per employee ($millions) | 4.0282% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9855% | 1,590 |
| Loan loss allowance to noncurrent loans | 44.5638% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 2.1815% | 1,639 |
| Noncurrent loans to loans | 4.4554% | 599 |
| Net loans and leases to total assets | 42.5412% | 5,792 |
| Net loans and leases to deposits | 47.0096% | 5,951 |
| Net loans and leases to core deposits | 48.8752% | 5,990 |
| Total domestic deposits to total assets | 90.4947% | 817 |
| Equity capital to assets | 8.8130% | 5,240 |
| Core capital (leverage) ratio | 9.2222% | 4,688 |
| Tier 1 risk-based capital ratio | 16.9102% | 2,648 |
| Total risk-based capital ratio | 18.1471% | 2,621 |
| Memoranda: | ||
| Average total assets | $362,070,000 | 1,790 |
| Average earning assets | $334,198,200 | 1,778 |
| Average equity | $34,326,400 | 2,002 |
| Average total loans | $166,485,000 | 2,344 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4238% | 5,833 |
| Cost of funding earning assets | 0.1992% | 6,402 |
| Net interest margin | 3.2246% | 4,914 |
| Noninterest income to average assets | 0.5045% | 3,774 |
| Noninterest expense to average assets | 2.8539% | 3,470 |
| Loan and lease loss provision to assets | 0.0893% | 3,272 |
| Net operating income to assets | 0.3470% | 5,443 |
| Return on assets (ROA) | 0.3470% | 5,572 |
| Pretax return on assets | 0.5252% | 5,283 |
| Return on Equity (ROE) | 3.5895% | 5,391 |
| Retained earnings to average equity (ytd only) | 3.5895% | 4,139 |
| Net charge-offs to loans | -0.0645% | 6,385 |
| Credit loss provision to net charge-offs | -296.2500% | 5,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2833% | 1,793 |
| Assets per employee ($millions) | 3.7463% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0620% | 1,586 |
| Loan loss allowance to noncurrent loans | 52.0511% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 2.1132% | 1,893 |
| Noncurrent loans to loans | 3.9615% | 890 |
| Net loans and leases to total assets | 45.7728% | 5,569 |
| Net loans and leases to deposits | 51.0047% | 5,775 |
| Net loans and leases to core deposits | 53.6178% | 5,792 |
| Total domestic deposits to total assets | 89.7424% | 1,143 |
| Equity capital to assets | 9.4659% | 4,596 |
| Core capital (leverage) ratio | 9.6306% | 4,202 |
| Tier 1 risk-based capital ratio | 16.1668% | 3,098 |
| Total risk-based capital ratio | 17.3778% | 3,082 |
| Memoranda: | ||
| Average total assets | $353,895,500 | 1,842 |
| Average earning assets | $325,285,250 | 1,835 |
| Average equity | $34,210,250 | 2,026 |
| Average total loans | $165,271,000 | 2,368 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4003% | 5,909 |
| Cost of funding earning assets | 0.2107% | 6,423 |
| Net interest margin | 3.1896% | 4,982 |
| Noninterest income to average assets | 0.5406% | 3,563 |
| Noninterest expense to average assets | 2.8455% | 3,529 |
| Loan and lease loss provision to assets | 0.0890% | 3,302 |
| Net operating income to assets | 0.3524% | 5,394 |
| Return on assets (ROA) | 0.3524% | 5,574 |
| Pretax return on assets | 0.5332% | 5,259 |
| Return on Equity (ROE) | 3.6196% | 5,376 |
| Retained earnings to average equity (ytd only) | 3.6196% | 4,014 |
| Net charge-offs to loans | -0.0965% | 6,496 |
| Credit loss provision to net charge-offs | -197.4684% | 5,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0589% | 1,882 |
| Assets per employee ($millions) | 3.5241% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0526% | 1,736 |
| Loan loss allowance to noncurrent loans | 53.0809% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 2.0927% | 2,065 |
| Noncurrent loans to loans | 3.8669% | 1,036 |
| Net loans and leases to total assets | 46.7778% | 5,449 |
| Net loans and leases to deposits | 52.3033% | 5,662 |
| Net loans and leases to core deposits | 55.3014% | 5,654 |
| Total domestic deposits to total assets | 89.4357% | 1,357 |
| Equity capital to assets | 9.7718% | 4,214 |
| Core capital (leverage) ratio | 9.7757% | 3,828 |
| Tier 1 risk-based capital ratio | 16.0004% | 3,197 |
| Total risk-based capital ratio | 17.2592% | 3,130 |
| Memoranda: | ||
| Average total assets | $350,731,330 | 1,860 |
| Average earning assets | $321,854,670 | 1,862 |
| Average equity | $34,147,670 | 2,039 |
| Average total loans | $163,749,670 | 2,388 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3611% | 6,024 |
| Cost of funding earning assets | 0.2284% | 6,423 |
| Net interest margin | 3.1327% | 5,152 |
| Noninterest income to average assets | 0.5141% | 3,685 |
| Noninterest expense to average assets | 2.8971% | 3,357 |
| Loan and lease loss provision to assets | 0.0876% | 3,203 |
| Net operating income to assets | 0.2650% | 5,680 |
| Return on assets (ROA) | 0.2650% | 5,801 |
| Pretax return on assets | 0.4004% | 5,556 |
| Return on Equity (ROE) | 2.7271% | 5,695 |
| Retained earnings to average equity (ytd only) | 2.7271% | 4,650 |
| Net charge-offs to loans | -0.2243% | 6,707 |
| Credit loss provision to net charge-offs | -84.6154% | 5,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5847% | 1,567 |
| Assets per employee ($millions) | 3.6193% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0777% | 1,850 |
| Loan loss allowance to noncurrent loans | 50.9030% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 2.3243% | 1,998 |
| Noncurrent loans to loans | 4.0816% | 1,094 |
| Net loans and leases to total assets | 44.5670% | 5,602 |
| Net loans and leases to deposits | 49.7680% | 5,805 |
| Net loans and leases to core deposits | 52.7655% | 5,764 |
| Total domestic deposits to total assets | 89.5496% | 1,333 |
| Equity capital to assets | 9.6596% | 4,625 |
| Core capital (leverage) ratio | 9.7233% | 3,760 |
| Tier 1 risk-based capital ratio | 15.4156% | 3,584 |
| Total risk-based capital ratio | 16.6690% | 3,538 |
| Memoranda: | ||
| Average total assets | $351,656,500 | 1,881 |
| Average earning assets | $322,278,500 | 1,877 |
| Average equity | $34,175,500 | 2,064 |
| Average total loans | $162,315,000 | 2,420 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7791% | 5,879 |
| Cost of funding earning assets | 0.2819% | 6,544 |
| Net interest margin | 3.4972% | 4,513 |
| Noninterest income to average assets | 0.7963% | 2,275 |
| Noninterest expense to average assets | 2.9811% | 3,344 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6614% | 3,923 |
| Return on assets (ROA) | 0.6614% | 4,189 |
| Pretax return on assets | 0.9942% | 3,564 |
| Return on Equity (ROE) | 6.6522% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.6522% | 1,743 |
| Net charge-offs to loans | -0.4575% | 6,998 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9906% | 2,910 |
| Assets per employee ($millions) | 3.5940% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9516% | 2,151 |
| Loan loss allowance to noncurrent loans | 49.8513% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 2.2859% | 2,147 |
| Noncurrent loans to loans | 3.9149% | 1,223 |
| Net loans and leases to total assets | 45.8995% | 5,624 |
| Net loans and leases to deposits | 51.3555% | 5,862 |
| Net loans and leases to core deposits | 54.4341% | 5,849 |
| Total domestic deposits to total assets | 89.3761% | 1,316 |
| Equity capital to assets | 9.7783% | 4,486 |
| Core capital (leverage) ratio | 9.9827% | 3,425 |
| Tier 1 risk-based capital ratio | 16.4342% | 2,924 |
| Total risk-based capital ratio | 17.6926% | 2,887 |
| Memoranda: | ||
| Average total assets | $332,926,000 | 1,935 |
| Average earning assets | $302,642,000 | 1,958 |
| Average equity | $33,101,800 | 2,082 |
| Average total loans | $160,881,200 | 2,415 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 5,970 |
| Cost of funding earning assets | 0.2993% | 6,617 |
| Net interest margin | 3.5213% | 4,560 |
| Noninterest income to average assets | 0.8818% | 1,902 |
| Noninterest expense to average assets | 3.0260% | 3,145 |
| Loan and lease loss provision to assets | -0.0312% | 6,975 |
| Net operating income to assets | 0.7250% | 3,800 |
| Return on assets (ROA) | 0.7250% | 4,049 |
| Pretax return on assets | 1.0905% | 3,383 |
| Return on Equity (ROE) | 7.2600% | 3,660 |
| Retained earnings to average equity (ytd only) | 7.2600% | 1,971 |
| Net charge-offs to loans | -0.6296% | 7,105 |
| Credit loss provision to net charge-offs | 10.1717% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0700% | 2,971 |
| Assets per employee ($millions) | 3.2910% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9485% | 2,327 |
| Loan loss allowance to noncurrent loans | 54.7777% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 2.2166% | 2,416 |
| Noncurrent loans to loans | 3.5571% | 1,521 |
| Net loans and leases to total assets | 47.8592% | 5,562 |
| Net loans and leases to deposits | 53.6153% | 5,835 |
| Net loans and leases to core deposits | 56.5239% | 5,849 |
| Total domestic deposits to total assets | 89.2641% | 1,269 |
| Equity capital to assets | 10.2628% | 4,117 |
| Core capital (leverage) ratio | 10.3947% | 3,042 |
| Tier 1 risk-based capital ratio | 16.6826% | 2,907 |
| Total risk-based capital ratio | 17.9367% | 2,868 |
| Memoranda: | ||
| Average total assets | $329,003,000 | 1,972 |
| Average earning assets | $299,317,750 | 1,994 |
| Average equity | $32,855,000 | 2,113 |
| Average total loans | $160,301,750 | 2,450 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 6,117 |
| Cost of funding earning assets | 0.3217% | 6,637 |
| Net interest margin | 3.4875% | 4,728 |
| Noninterest income to average assets | 1.0968% | 1,192 |
| Noninterest expense to average assets | 3.0167% | 3,198 |
| Loan and lease loss provision to assets | -0.0912% | 7,102 |
| Net operating income to assets | 0.8907% | 2,957 |
| Return on assets (ROA) | 0.8907% | 3,218 |
| Pretax return on assets | 1.3418% | 2,416 |
| Return on Equity (ROE) | 9.0020% | 2,814 |
| Retained earnings to average equity (ytd only) | 9.0020% | 1,277 |
| Net charge-offs to loans | -0.9439% | 7,176 |
| Credit loss provision to net charge-offs | 19.8413% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6938% | 3,652 |
| Assets per employee ($millions) | 3.3285% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 2,563 |
| Loan loss allowance to noncurrent loans | 50.2962% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 2.3722% | 2,351 |
| Noncurrent loans to loans | 3.7749% | 1,488 |
| Net loans and leases to total assets | 48.9229% | 5,499 |
| Net loans and leases to deposits | 54.8891% | 5,781 |
| Net loans and leases to core deposits | 58.5053% | 5,736 |
| Total domestic deposits to total assets | 89.1304% | 1,433 |
| Equity capital to assets | 10.2935% | 3,943 |
| Core capital (leverage) ratio | 10.1747% | 3,171 |
| Tier 1 risk-based capital ratio | 16.9734% | 2,676 |
| Total risk-based capital ratio | 18.2326% | 2,633 |
| Memoranda: | ||
| Average total assets | $328,970,330 | 1,974 |
| Average earning assets | $299,070,670 | 1,987 |
| Average equity | $32,548,330 | 2,118 |
| Average total loans | $160,190,670 | 2,461 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6888% | 6,455 |
| Cost of funding earning assets | 0.3387% | 6,686 |
| Net interest margin | 3.3500% | 5,303 |
| Noninterest income to average assets | 1.8083% | 479 |
| Noninterest expense to average assets | 2.9588% | 3,425 |
| Loan and lease loss provision to assets | 0.0904% | 4,225 |
| Net operating income to assets | 1.1915% | 1,760 |
| Return on assets (ROA) | 1.1915% | 1,944 |
| Pretax return on assets | 1.7975% | 1,070 |
| Return on Equity (ROE) | 12.2836% | 1,588 |
| Retained earnings to average equity (ytd only) | 12.2836% | 782 |
| Net charge-offs to loans | -0.1627% | 6,940 |
| Credit loss provision to net charge-offs | -115.3846% | 5,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0490% | 5,449 |
| Assets per employee ($millions) | 3.4689% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 3,620 |
| Loan loss allowance to noncurrent loans | 71.2517% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.6981% | 3,311 |
| Noncurrent loans to loans | 2.2829% | 2,817 |
| Net loans and leases to total assets | 48.0379% | 5,550 |
| Net loans and leases to deposits | 53.6531% | 5,846 |
| Net loans and leases to core deposits | 58.2492% | 5,691 |
| Total domestic deposits to total assets | 89.5342% | 1,348 |
| Equity capital to assets | 10.0153% | 4,107 |
| Core capital (leverage) ratio | 9.9821% | 3,382 |
| Tier 1 risk-based capital ratio | 16.3210% | 3,006 |
| Total risk-based capital ratio | 17.5762% | 2,960 |
| Memoranda: | ||
| Average total assets | $332,023,000 | 1,962 |
| Average earning assets | $301,131,500 | 1,974 |
| Average equity | $32,205,500 | 2,136 |
| Average total loans | $159,780,000 | 2,484 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0596% | 6,341 |
| Cost of funding earning assets | 0.4426% | 6,756 |
| Net interest margin | 3.6170% | 4,667 |
| Noninterest income to average assets | 0.6201% | 3,061 |
| Noninterest expense to average assets | 3.4078% | 2,217 |
| Loan and lease loss provision to assets | 0.0933% | 5,431 |
| Net operating income to assets | 0.2754% | 5,348 |
| Return on assets (ROA) | 0.2754% | 5,503 |
| Pretax return on assets | 0.4117% | 5,260 |
| Return on Equity (ROE) | 2.8291% | 5,353 |
| Retained earnings to average equity (ytd only) | 2.8291% | 4,226 |
| Net charge-offs to loans | 1.6231% | 966 |
| Credit loss provision to net charge-offs | 10.9689% | 6,002 |
| Earnings coverage of net charge-offs (x) | 0.5934% | 5,381 |
| Efficiency ratio | 87.0934% | 1,432 |
| Assets per employee ($millions) | 3.3463% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 3,894 |
| Loan loss allowance to noncurrent loans | 96.6088% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 2.2659% | 2,656 |
| Noncurrent loans to loans | 1.5817% | 3,791 |
| Net loans and leases to total assets | 46.7142% | 5,944 |
| Net loans and leases to deposits | 51.7398% | 6,234 |
| Net loans and leases to core deposits | 56.0533% | 6,152 |
| Total domestic deposits to total assets | 90.2868% | 824 |
| Equity capital to assets | 9.3954% | 5,025 |
| Core capital (leverage) ratio | 9.4553% | 4,100 |
| Tier 1 risk-based capital ratio | 15.5296% | 3,306 |
| Total risk-based capital ratio | 16.7408% | 3,286 |
| Memoranda: | ||
| Average total assets | $321,380,800 | 2,001 |
| Average earning assets | $292,562,200 | 2,001 |
| Average equity | $31,281,600 | 2,117 |
| Average total loans | $168,509,600 | 2,387 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0970% | 6,422 |
| Cost of funding earning assets | 0.4692% | 6,820 |
| Net interest margin | 3.6277% | 4,667 |
| Noninterest income to average assets | 0.5720% | 3,367 |
| Noninterest expense to average assets | 3.4582% | 2,054 |
| Loan and lease loss provision to assets | 0.0946% | 5,284 |
| Net operating income to assets | 0.2160% | 5,655 |
| Return on assets (ROA) | 0.2160% | 5,790 |
| Pretax return on assets | 0.3207% | 5,660 |
| Return on Equity (ROE) | 2.1991% | 5,706 |
| Retained earnings to average equity (ytd only) | 2.1991% | 5,024 |
| Net charge-offs to loans | 2.1443% | 573 |
| Credit loss provision to net charge-offs | 8.2027% | 5,677 |
| Earnings coverage of net charge-offs (x) | 0.3602% | 5,340 |
| Efficiency ratio | 89.2795% | 1,215 |
| Assets per employee ($millions) | 3.1924% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 4,394 |
| Loan loss allowance to noncurrent loans | 91.2173% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 2.3702% | 2,709 |
| Noncurrent loans to loans | 1.5735% | 3,939 |
| Net loans and leases to total assets | 49.9401% | 5,712 |
| Net loans and leases to deposits | 55.5180% | 6,071 |
| Net loans and leases to core deposits | 60.1629% | 5,982 |
| Total domestic deposits to total assets | 89.9530% | 891 |
| Equity capital to assets | 9.6773% | 4,808 |
| Core capital (leverage) ratio | 9.8000% | 3,707 |
| Tier 1 risk-based capital ratio | 15.1815% | 3,557 |
| Total risk-based capital ratio | 16.3396% | 3,580 |
| Memoranda: | ||
| Average total assets | $317,232,500 | 2,026 |
| Average earning assets | $288,693,500 | 2,035 |
| Average equity | $31,163,500 | 2,125 |
| Average total loans | $170,554,000 | 2,382 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 6,515 |
| Cost of funding earning assets | 0.4970% | 6,852 |
| Net interest margin | 3.5921% | 4,752 |
| Noninterest income to average assets | 0.4980% | 3,870 |
| Noninterest expense to average assets | 3.4729% | 2,057 |
| Loan and lease loss provision to assets | 0.0954% | 5,135 |
| Net operating income to assets | 0.1520% | 5,878 |
| Return on assets (ROA) | 0.1520% | 5,973 |
| Pretax return on assets | 0.2214% | 5,883 |
| Return on Equity (ROE) | 1.5396% | 5,925 |
| Retained earnings to average equity (ytd only) | 1.5396% | 5,212 |
| Net charge-offs to loans | 3.1240% | 316 |
| Credit loss provision to net charge-offs | 5.5700% | 5,286 |
| Earnings coverage of net charge-offs (x) | 0.1849% | 5,170 |
| Efficiency ratio | 91.6415% | 1,116 |
| Assets per employee ($millions) | 3.0884% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 4,576 |
| Loan loss allowance to noncurrent loans | 24.4162% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 4.4483% | 1,421 |
| Noncurrent loans to loans | 5.7270% | 1,075 |
| Net loans and leases to total assets | 52.4240% | 5,509 |
| Net loans and leases to deposits | 58.3884% | 5,892 |
| Net loans and leases to core deposits | 63.7191% | 5,754 |
| Total domestic deposits to total assets | 89.7850% | 1,081 |
| Equity capital to assets | 9.8982% | 4,274 |
| Core capital (leverage) ratio | 9.8659% | 3,430 |
| Tier 1 risk-based capital ratio | 15.2943% | 3,352 |
| Total risk-based capital ratio | 16.4585% | 3,357 |
| Memoranda: | ||
| Average total assets | $314,434,000 | 2,050 |
| Average earning assets | $288,131,670 | 2,052 |
| Average equity | $31,047,330 | 2,121 |
| Average total loans | $172,409,670 | 2,379 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0648% | 6,573 |
| Cost of funding earning assets | 0.5263% | 6,877 |
| Net interest margin | 3.5385% | 4,856 |
| Noninterest income to average assets | 0.5004% | 3,883 |
| Noninterest expense to average assets | 3.4940% | 2,017 |
| Loan and lease loss provision to assets | 0.0955% | 4,816 |
| Net operating income to assets | 0.1146% | 6,056 |
| Return on assets (ROA) | 0.1146% | 6,109 |
| Pretax return on assets | 0.1643% | 6,020 |
| Return on Equity (ROE) | 1.1620% | 6,084 |
| Retained earnings to average equity (ytd only) | 1.1620% | 5,359 |
| Net charge-offs to loans | 1.6515% | 811 |
| Credit loss provision to net charge-offs | 10.3878% | 4,377 |
| Earnings coverage of net charge-offs (x) | 0.2825% | 4,401 |
| Efficiency ratio | 93.0801% | 1,096 |
| Assets per employee ($millions) | 3.1529% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4589% | 1,520 |
| Loan loss allowance to noncurrent loans | 26.5506% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 5.2215% | 1,195 |
| Noncurrent loans to loans | 9.2612% | 468 |
| Net loans and leases to total assets | 53.3209% | 5,403 |
| Net loans and leases to deposits | 59.3968% | 5,779 |
| Net loans and leases to core deposits | 65.0732% | 5,617 |
| Total domestic deposits to total assets | 89.7707% | 1,310 |
| Equity capital to assets | 9.8366% | 3,982 |
| Core capital (leverage) ratio | 9.7155% | 3,501 |
| Tier 1 risk-based capital ratio | 15.0484% | 3,398 |
| Total risk-based capital ratio | 16.2944% | 3,360 |
| Memoranda: | ||
| Average total assets | $314,143,000 | 2,071 |
| Average earning assets | $288,823,500 | 2,065 |
| Average equity | $30,980,500 | 2,115 |
| Average total loans | $174,871,500 | 2,365 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9518% | 4,777 |
| Cost of funding earning assets | 0.6927% | 6,909 |
| Net interest margin | 4.2590% | 1,962 |
| Noninterest income to average assets | 0.5515% | 3,810 |
| Noninterest expense to average assets | 3.7687% | 1,544 |
| Loan and lease loss provision to assets | 0.2041% | 5,202 |
| Net operating income to assets | 0.3181% | 4,872 |
| Return on assets (ROA) | 0.3181% | 5,039 |
| Pretax return on assets | 0.4716% | 4,718 |
| Return on Equity (ROE) | 3.0916% | 4,923 |
| Retained earnings to average equity (ytd only) | 3.0916% | 3,695 |
| Net charge-offs to loans | 0.9977% | 2,196 |
| Credit loss provision to net charge-offs | 31.6588% | 6,480 |
| Earnings coverage of net charge-offs (x) | 1.0481% | 5,062 |
| Efficiency ratio | 84.7970% | 1,823 |
| Assets per employee ($millions) | 3.1300% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7538% | 1,107 |
| Loan loss allowance to noncurrent loans | 34.0205% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 4.7480% | 1,379 |
| Noncurrent loans to loans | 8.0946% | 634 |
| Net loans and leases to total assets | 55.1140% | 5,470 |
| Net loans and leases to deposits | 61.4072% | 5,907 |
| Net loans and leases to core deposits | 67.4170% | 5,725 |
| Total domestic deposits to total assets | 89.7516% | 1,234 |
| Equity capital to assets | 9.8874% | 3,891 |
| Core capital (leverage) ratio | 10.0059% | 3,085 |
| Tier 1 risk-based capital ratio | 14.9127% | 3,298 |
| Total risk-based capital ratio | 16.1451% | 3,267 |
| Memoranda: | ||
| Average total assets | $296,445,000 | 2,172 |
| Average earning assets | $270,954,400 | 2,174 |
| Average equity | $30,502,200 | 2,143 |
| Average total loans | $191,535,800 | 2,235 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 4,527 |
| Cost of funding earning assets | 0.7202% | 7,003 |
| Net interest margin | 4.3419% | 1,706 |
| Noninterest income to average assets | 0.5720% | 3,636 |
| Noninterest expense to average assets | 3.8634% | 1,254 |
| Loan and lease loss provision to assets | 0.2212% | 4,846 |
| Net operating income to assets | 0.3020% | 5,156 |
| Return on assets (ROA) | 0.3020% | 5,326 |
| Pretax return on assets | 0.4470% | 5,086 |
| Return on Equity (ROE) | 2.9043% | 5,262 |
| Retained earnings to average equity (ytd only) | 2.9043% | 4,391 |
| Net charge-offs to loans | 1.2658% | 1,611 |
| Credit loss provision to net charge-offs | 26.1879% | 6,192 |
| Earnings coverage of net charge-offs (x) | 0.7910% | 5,256 |
| Efficiency ratio | 85.2542% | 1,709 |
| Assets per employee ($millions) | 2.8266% | 6,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6501% | 1,140 |
| Loan loss allowance to noncurrent loans | 33.6331% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 4.9893% | 1,291 |
| Noncurrent loans to loans | 7.8795% | 666 |
| Net loans and leases to total assets | 59.1428% | 5,075 |
| Net loans and leases to deposits | 66.2210% | 5,640 |
| Net loans and leases to core deposits | 72.6820% | 5,439 |
| Total domestic deposits to total assets | 89.3113% | 1,227 |
| Equity capital to assets | 10.2488% | 3,821 |
| Core capital (leverage) ratio | 10.4845% | 2,706 |
| Tier 1 risk-based capital ratio | 14.5152% | 3,501 |
| Total risk-based capital ratio | 15.7788% | 3,464 |
| Memoranda: | ||
| Average total assets | $292,307,500 | 2,230 |
| Average earning assets | $266,572,000 | 2,243 |
| Average equity | $30,391,000 | 2,169 |
| Average total loans | $195,072,500 | 2,237 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1537% | 4,172 |
| Cost of funding earning assets | 0.7355% | 7,108 |
| Net interest margin | 4.4182% | 1,401 |
| Noninterest income to average assets | 0.4926% | 4,175 |
| Noninterest expense to average assets | 3.9038% | 1,180 |
| Loan and lease loss provision to assets | 0.1656% | 5,230 |
| Net operating income to assets | 0.3077% | 5,146 |
| Return on assets (ROA) | 0.3077% | 5,300 |
| Pretax return on assets | 0.4561% | 5,044 |
| Return on Equity (ROE) | 2.9453% | 5,256 |
| Retained earnings to average equity (ytd only) | 2.9453% | 4,254 |
| Net charge-offs to loans | 1.4332% | 1,334 |
| Credit loss provision to net charge-offs | 16.7950% | 5,882 |
| Earnings coverage of net charge-offs (x) | 0.6305% | 5,108 |
| Efficiency ratio | 86.2631% | 1,677 |
| Assets per employee ($millions) | 2.5730% | 6,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6050% | 1,186 |
| Loan loss allowance to noncurrent loans | 29.9378% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 5.8804% | 1,011 |
| Noncurrent loans to loans | 8.7015% | 564 |
| Net loans and leases to total assets | 63.2016% | 4,418 |
| Net loans and leases to deposits | 70.7785% | 5,166 |
| Net loans and leases to core deposits | 75.9846% | 5,197 |
| Total domestic deposits to total assets | 89.2949% | 1,283 |
| Equity capital to assets | 10.3276% | 3,617 |
| Core capital (leverage) ratio | 10.4232% | 2,690 |
| Tier 1 risk-based capital ratio | 13.9476% | 3,772 |
| Total risk-based capital ratio | 15.2109% | 3,719 |
| Memoranda: | ||
| Average total assets | $289,868,670 | 2,267 |
| Average earning assets | $264,584,670 | 2,269 |
| Average equity | $30,285,330 | 2,176 |
| Average total loans | $199,420,000 | 2,222 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2096% | 3,965 |
| Cost of funding earning assets | 0.7527% | 7,223 |
| Net interest margin | 4.4568% | 1,241 |
| Noninterest income to average assets | 0.4992% | 4,050 |
| Noninterest expense to average assets | 4.0076% | 1,022 |
| Loan and lease loss provision to assets | 0.1673% | 4,860 |
| Net operating income to assets | 0.2677% | 5,429 |
| Return on assets (ROA) | 0.2677% | 5,550 |
| Pretax return on assets | 0.3946% | 5,309 |
| Return on Equity (ROE) | 2.5474% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.5474% | 4,606 |
| Net charge-offs to loans | 0.1260% | 4,214 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 6.2969% | 2,248 |
| Efficiency ratio | 87.7022% | 1,622 |
| Assets per employee ($millions) | 2.6600% | 6,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1032% | 755 |
| Loan loss allowance to noncurrent loans | 36.5600% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 6.1365% | 959 |
| Noncurrent loans to loans | 8.4881% | 614 |
| Net loans and leases to total assets | 67.2759% | 3,557 |
| Net loans and leases to deposits | 75.4049% | 4,514 |
| Net loans and leases to core deposits | 81.2072% | 4,592 |
| Total domestic deposits to total assets | 89.2195% | 1,408 |
| Equity capital to assets | 10.4443% | 3,300 |
| Core capital (leverage) ratio | 10.5109% | 2,612 |
| Tier 1 risk-based capital ratio | 13.2354% | 4,182 |
| Total risk-based capital ratio | 14.5053% | 4,107 |
| Memoranda: | ||
| Average total assets | $286,855,000 | 2,335 |
| Average earning assets | $261,979,500 | 2,341 |
| Average equity | $30,148,500 | 2,209 |
| Average total loans | $203,123,500 | 2,238 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0891% | 1,548 |
| Cost of funding earning assets | 0.9250% | 7,349 |
| Net interest margin | 5.1641% | 318 |
| Noninterest income to average assets | 0.7773% | 2,526 |
| Noninterest expense to average assets | 4.1303% | 1,184 |
| Loan and lease loss provision to assets | 1.8172% | 1,239 |
| Net operating income to assets | -0.2673% | 5,918 |
| Return on assets (ROA) | -0.2673% | 5,920 |
| Pretax return on assets | -0.4561% | 5,969 |
| Return on Equity (ROE) | -2.4557% | 5,917 |
| Retained earnings to average equity (ytd only) | -2.4557% | 5,606 |
| Net charge-offs to loans | 0.6341% | 3,303 |
| Credit loss provision to net charge-offs | 394.7571% | 805 |
| Earnings coverage of net charge-offs (x) | 2.9568% | 3,601 |
| Efficiency ratio | 75.2133% | 3,667 |
| Assets per employee ($millions) | 2.5797% | 7,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0209% | 760 |
| Loan loss allowance to noncurrent loans | 52.4705% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 4.4219% | 1,465 |
| Noncurrent loans to loans | 5.7573% | 1,104 |
| Net loans and leases to total assets | 70.0389% | 3,249 |
| Net loans and leases to deposits | 78.6680% | 4,240 |
| Net loans and leases to core deposits | 96.6302% | 4,387 |
| Total domestic deposits to total assets | 89.0309% | 1,470 |
| Equity capital to assets | 10.5772% | 3,099 |
| Core capital (leverage) ratio | 10.6587% | 2,466 |
| Tier 1 risk-based capital ratio | 12.9970% | 4,145 |
| Total risk-based capital ratio | 14.2653% | 4,077 |
| Memoranda: | ||
| Average total assets | $281,748,400 | 2,333 |
| Average earning assets | $257,198,000 | 2,352 |
| Average equity | $30,663,600 | 2,186 |
| Average total loans | $204,533,000 | 2,261 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2275% | 1,306 |
| Cost of funding earning assets | 0.9474% | 7,489 |
| Net interest margin | 5.2801% | 264 |
| Noninterest income to average assets | 0.8548% | 2,178 |
| Noninterest expense to average assets | 4.1880% | 1,047 |
| Loan and lease loss provision to assets | 1.4222% | 1,350 |
| Net operating income to assets | 0.0834% | 5,518 |
| Return on assets (ROA) | 0.0834% | 5,565 |
| Pretax return on assets | 0.0612% | 5,597 |
| Return on Equity (ROE) | 0.7612% | 5,562 |
| Retained earnings to average equity (ytd only) | 0.7612% | 4,858 |
| Net charge-offs to loans | 0.3848% | 3,725 |
| Credit loss provision to net charge-offs | 508.4746% | 772 |
| Earnings coverage of net charge-offs (x) | 5.3034% | 2,867 |
| Efficiency ratio | 73.8444% | 3,885 |
| Assets per employee ($millions) | 2.6244% | 7,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3253% | 1,267 |
| Loan loss allowance to noncurrent loans | 60.5040% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 2.9061% | 2,383 |
| Noncurrent loans to loans | 3.8433% | 1,933 |
| Net loans and leases to total assets | 70.1602% | 3,470 |
| Net loans and leases to deposits | 79.1294% | 4,541 |
| Net loans and leases to core deposits | 95.3802% | 4,883 |
| Total domestic deposits to total assets | 88.6652% | 1,356 |
| Equity capital to assets | 10.8261% | 3,187 |
| Core capital (leverage) ratio | 11.0550% | 2,369 |
| Tier 1 risk-based capital ratio | 13.2843% | 3,994 |
| Total risk-based capital ratio | 14.5229% | 3,952 |
| Memoranda: | ||
| Average total assets | $281,242,750 | 2,352 |
| Average earning assets | $256,552,750 | 2,372 |
| Average equity | $30,825,750 | 2,200 |
| Average total loans | $204,431,000 | 2,277 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4548% | 910 |
| Cost of funding earning assets | 0.9713% | 7,598 |
| Net interest margin | 5.4835% | 184 |
| Noninterest income to average assets | 0.8454% | 2,192 |
| Noninterest expense to average assets | 4.2813% | 969 |
| Loan and lease loss provision to assets | 2.0920% | 763 |
| Net operating income to assets | -0.2932% | 6,319 |
| Return on assets (ROA) | -0.2932% | 6,334 |
| Pretax return on assets | -0.5371% | 6,462 |
| Return on Equity (ROE) | -2.6642% | 6,322 |
| Retained earnings to average equity (ytd only) | -2.6642% | 5,903 |
| Net charge-offs to loans | 0.5949% | 2,555 |
| Credit loss provision to net charge-offs | 481.8781% | 963 |
| Earnings coverage of net charge-offs (x) | 3.5815% | 3,383 |
| Efficiency ratio | 73.3578% | 4,131 |
| Assets per employee ($millions) | 2.5473% | 7,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2828% | 1,122 |
| Loan loss allowance to noncurrent loans | 62.5300% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 4.1509% | 1,395 |
| Noncurrent loans to loans | 3.6507% | 1,904 |
| Net loans and leases to total assets | 72.2444% | 3,150 |
| Net loans and leases to deposits | 81.5312% | 4,296 |
| Net loans and leases to core deposits | 96.8804% | 4,804 |
| Total domestic deposits to total assets | 88.6095% | 1,479 |
| Equity capital to assets | 10.8928% | 3,027 |
| Core capital (leverage) ratio | 10.7973% | 2,567 |
| Tier 1 risk-based capital ratio | 12.8791% | 4,227 |
| Total risk-based capital ratio | 14.0965% | 4,166 |
| Memoranda: | ||
| Average total assets | $279,637,670 | 2,377 |
| Average earning assets | $254,509,670 | 2,402 |
| Average equity | $30,778,000 | 2,206 |
| Average total loans | $204,082,330 | 2,307 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6540% | 632 |
| Cost of funding earning assets | 0.9759% | 7,709 |
| Net interest margin | 5.6781% | 142 |
| Noninterest income to average assets | 0.5317% | 4,048 |
| Noninterest expense to average assets | 4.2561% | 889 |
| Loan and lease loss provision to assets | 0.4989% | 2,472 |
| Net operating income to assets | 0.7583% | 3,307 |
| Return on assets (ROA) | 0.7583% | 3,483 |
| Pretax return on assets | 0.9764% | 3,437 |
| Return on Equity (ROE) | 6.8546% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.8546% | 2,259 |
| Net charge-offs to loans | 1.1952% | 1,163 |
| Credit loss provision to net charge-offs | 57.5658% | 4,558 |
| Earnings coverage of net charge-offs (x) | 1.7023% | 3,878 |
| Efficiency ratio | 74.2601% | 3,780 |
| Assets per employee ($millions) | 2.3774% | 7,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 5,927 |
| Loan loss allowance to noncurrent loans | 538.2653% | 653 |
| Noncurrent assets plus other real estate owned to assets | 1.6383% | 3,451 |
| Noncurrent loans to loans | 0.1915% | 6,985 |
| Net loans and leases to total assets | 72.2026% | 3,200 |
| Net loans and leases to deposits | 81.7529% | 4,325 |
| Net loans and leases to core deposits | 95.6174% | 5,009 |
| Total domestic deposits to total assets | 88.3181% | 1,566 |
| Equity capital to assets | 11.1771% | 2,829 |
| Core capital (leverage) ratio | 11.1158% | 2,414 |
| Tier 1 risk-based capital ratio | 12.9740% | 4,194 |
| Total risk-based capital ratio | 13.8608% | 4,385 |
| Memoranda: | ||
| Average total assets | $280,630,500 | 2,383 |
| Average earning assets | $256,988,500 | 2,395 |
| Average equity | $31,045,000 | 2,188 |
| Average total loans | $203,486,500 | 2,328 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5275% | 2,826 |
| Cost of funding earning assets | 1.3202% | 7,826 |
| Net interest margin | 5.2073% | 335 |
| Noninterest income to average assets | 0.6727% | 3,307 |
| Noninterest expense to average assets | 3.9299% | 1,515 |
| Loan and lease loss provision to assets | 0.1951% | 4,927 |
| Net operating income to assets | 0.9155% | 2,939 |
| Return on assets (ROA) | 0.9155% | 2,786 |
| Pretax return on assets | 1.3148% | 2,264 |
| Return on Equity (ROE) | 8.6579% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.6579% | 666 |
| Net charge-offs to loans | 0.1226% | 5,018 |
| Credit loss provision to net charge-offs | 232.7586% | 2,043 |
| Earnings coverage of net charge-offs (x) | 18.0129% | 1,728 |
| Efficiency ratio | 72.2436% | 3,889 |
| Assets per employee ($millions) | 2.4411% | 7,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 4,771 |
| Loan loss allowance to noncurrent loans | 1,644.4444% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 6,577 |
| Noncurrent loans to loans | 0.0712% | 7,219 |
| Net loans and leases to total assets | 71.2230% | 3,743 |
| Net loans and leases to deposits | 81.2877% | 4,829 |
| Net loans and leases to core deposits | 94.7327% | 5,384 |
| Total domestic deposits to total assets | 87.6184% | 1,661 |
| Equity capital to assets | 10.9481% | 3,082 |
| Core capital (leverage) ratio | 10.5695% | 2,923 |
| Tier 1 risk-based capital ratio | 12.8753% | 4,176 |
| Total risk-based capital ratio | 13.8803% | 4,256 |
| Memoranda: | ||
| Average total assets | $276,774,600 | 2,334 |
| Average earning assets | $253,374,800 | 2,337 |
| Average equity | $29,268,200 | 2,308 |
| Average total loans | $189,304,600 | 2,399 |