Home > Citizens Bank Minnesota > Performance and Condition Ratios
Citizens Bank Minnesota, 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 | 4.0162% | 3,943 |
| Cost of funding earning assets | 1.3789% | 2,284 |
| Net interest margin | 2.6373% | 3,917 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.3198% | 2,796 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.4084% | 3,851 |
| Return on assets (ROA) | 0.4206% | 3,825 |
| Pretax return on assets | 0.5610% | 3,703 |
| Return on Equity (ROE) | 5.8200% | 3,559 |
| Retained earnings to average equity (ytd only) | 2.6833% | 3,385 |
| Net charge-offs to loans | -0.0021% | 3,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.6603% | 1,017 |
| Assets per employee ($millions) | 6.2567% | 2,584 |
| Cash dividends to net income (ytd only)* | 53.8776% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7022% | 4,125 |
| Loan loss allowance to noncurrent loans | 1,140.8333% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 3,345 |
| Noncurrent loans to loans | 0.0616% | 3,273 |
| Net loans and leases to total assets | 65.1300% | 2,354 |
| Net loans and leases to deposits | 75.8497% | 2,469 |
| Net loans and leases to core deposits | 79.4254% | 2,741 |
| Total domestic deposits to total assets | 85.8700% | 2,062 |
| Equity capital to assets | 7.4750% | 3,736 |
| Core capital (leverage) ratio | 8.6326% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5198% | 2,712 |
| Memoranda: | ||
| Average total assets | $582,509,600 | 1,518 |
| Average earning assets | $542,253,200 | 1,519 |
| Average equity | $42,111,600 | 1,811 |
| Average total loans | $375,052,200 | 1,534 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9403% | 3,937 |
| Cost of funding earning assets | 1.2544% | 2,271 |
| Net interest margin | 2.6859% | 3,900 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.3066% | 2,770 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.4082% | 3,953 |
| Return on assets (ROA) | 0.4171% | 3,925 |
| Pretax return on assets | 0.5595% | 3,807 |
| Return on Equity (ROE) | 5.8200% | 3,675 |
| Retained earnings to average equity (ytd only) | 3.7015% | 3,336 |
| Net charge-offs to loans | -0.0025% | 3,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.7852% | 949 |
| Assets per employee ($millions) | 6.0299% | 2,730 |
| Cash dividends to net income (ytd only)* | 36.4038% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6875% | 4,162 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 3,579 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 64.5400% | 2,383 |
| Net loans and leases to deposits | 75.1129% | 2,485 |
| Net loans and leases to core deposits | 78.5300% | 2,717 |
| Total domestic deposits to total assets | 85.9200% | 2,224 |
| Equity capital to assets | 6.9101% | 3,658 |
| Core capital (leverage) ratio | 8.7097% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6743% | 2,690 |
| Memoranda: | ||
| Average total assets | $579,539,250 | 1,529 |
| Average earning assets | $539,436,750 | 1,525 |
| Average equity | $41,531,750 | 1,815 |
| Average total loans | $371,342,500 | 1,541 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8314% | 3,981 |
| Cost of funding earning assets | 1.0873% | 2,325 |
| Net interest margin | 2.7441% | 3,916 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.3332% | 2,702 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.4085% | 3,991 |
| Return on assets (ROA) | 0.4151% | 3,982 |
| Pretax return on assets | 0.5559% | 3,874 |
| Return on Equity (ROE) | 5.7200% | 3,753 |
| Retained earnings to average equity (ytd only) | 2.5726% | 3,584 |
| Net charge-offs to loans | -0.0027% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.9417% | 924 |
| Assets per employee ($millions) | 5.8402% | 2,847 |
| Cash dividends to net income (ytd only)* | 55.0459% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6923% | 4,200 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,554 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 64.0300% | 2,382 |
| Net loans and leases to deposits | 73.2426% | 2,565 |
| Net loans and leases to core deposits | 76.3677% | 2,740 |
| Total domestic deposits to total assets | 87.4200% | 1,799 |
| Equity capital to assets | 7.1822% | 3,699 |
| Core capital (leverage) ratio | 8.6937% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7355% | 2,700 |
| Memoranda: | ||
| Average total assets | $577,752,333 | 1,537 |
| Average earning assets | $539,120,333 | 1,532 |
| Average equity | $41,903,333 | 1,818 |
| Average total loans | $368,426,000 | 1,539 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6462% | 4,107 |
| Cost of funding earning assets | 0.9292% | 2,276 |
| Net interest margin | 2.7170% | 4,049 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.2385% | 2,993 |
| Loan and lease loss provision to assets | -0.0500% | 4,518 |
| Net operating income to assets | 0.5029% | 3,893 |
| Return on assets (ROA) | 0.5160% | 3,822 |
| Pretax return on assets | 0.6961% | 3,673 |
| Return on Equity (ROE) | 7.0800% | 3,497 |
| Retained earnings to average equity (ytd only) | 7.0797% | 2,472 |
| Net charge-offs to loans | -0.0033% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.9546% | 1,085 |
| Assets per employee ($millions) | 5.7969% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6544% | 4,303 |
| Loan loss allowance to noncurrent loans | 2,612.0879% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,676 |
| Noncurrent loans to loans | 0.0251% | 3,589 |
| Net loans and leases to total assets | 62.8800% | 2,371 |
| Net loans and leases to deposits | 69.1857% | 2,681 |
| Net loans and leases to core deposits | 72.3096% | 2,796 |
| Total domestic deposits to total assets | 90.8800% | 839 |
| Equity capital to assets | 7.5609% | 3,528 |
| Core capital (leverage) ratio | 8.7405% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1324% | 2,687 |
| Memoranda: | ||
| Average total assets | $577,537,000 | 1,559 |
| Average earning assets | $539,411,000 | 1,540 |
| Average equity | $42,092,000 | 1,831 |
| Average total loans | $366,238,500 | 1,560 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2777% | 3,645 |
| Cost of funding earning assets | 0.4305% | 1,860 |
| Net interest margin | 2.8472% | 3,799 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.3090% | 2,701 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.5802% | 3,922 |
| Return on assets (ROA) | 0.5942% | 3,859 |
| Pretax return on assets | 0.8030% | 3,616 |
| Return on Equity (ROE) | 7.7100% | 3,461 |
| Retained earnings to average equity (ytd only) | 4.5694% | 3,215 |
| Net charge-offs to loans | -0.0011% | 3,368 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.2575% | 1,289 |
| Assets per employee ($millions) | 5.9304% | 2,828 |
| Cash dividends to net income (ytd only)* | 40.7299% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7610% | 4,113 |
| Loan loss allowance to noncurrent loans | 3,087.9121% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 3,700 |
| Noncurrent loans to loans | 0.0246% | 3,617 |
| Net loans and leases to total assets | 63.0500% | 2,325 |
| Net loans and leases to deposits | 70.4202% | 2,545 |
| Net loans and leases to core deposits | 73.2547% | 2,626 |
| Total domestic deposits to total assets | 89.5300% | 1,544 |
| Equity capital to assets | 7.0189% | 3,655 |
| Core capital (leverage) ratio | 8.5951% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8064% | 2,785 |
| Memoranda: | ||
| Average total assets | $576,443,800 | 1,549 |
| Average earning assets | $538,175,600 | 1,528 |
| Average equity | $44,426,000 | 1,774 |
| Average total loans | $348,846,200 | 1,549 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1857% | 3,467 |
| Cost of funding earning assets | 0.3353% | 1,818 |
| Net interest margin | 2.8504% | 3,621 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.2178% | 2,880 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.6455% | 3,707 |
| Return on assets (ROA) | 0.6455% | 3,665 |
| Pretax return on assets | 0.8745% | 3,400 |
| Return on Equity (ROE) | 8.1900% | 3,270 |
| Retained earnings to average equity (ytd only) | 6.0291% | 2,744 |
| Net charge-offs to loans | -0.0008% | 3,154 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.4741% | 1,700 |
| Assets per employee ($millions) | 5.7374% | 3,001 |
| Cash dividends to net income (ytd only)* | 26.3914% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7745% | 4,140 |
| Loan loss allowance to noncurrent loans | 1,570.4545% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,612 |
| Noncurrent loans to loans | 0.0493% | 3,523 |
| Net loans and leases to total assets | 61.7200% | 2,323 |
| Net loans and leases to deposits | 68.0714% | 2,529 |
| Net loans and leases to core deposits | 69.7306% | 2,659 |
| Total domestic deposits to total assets | 90.6700% | 1,376 |
| Equity capital to assets | 6.8060% | 3,612 |
| Core capital (leverage) ratio | 8.6933% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4332% | 2,962 |
| Memoranda: | ||
| Average total assets | $575,260,750 | 1,560 |
| Average earning assets | $537,598,250 | 1,544 |
| Average equity | $45,334,500 | 1,768 |
| Average total loans | $343,748,250 | 1,557 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1061% | 3,291 |
| Cost of funding earning assets | 0.2749% | 1,959 |
| Net interest margin | 2.8312% | 3,346 |
| Noninterest income to average assets | 0.4241% | 2,604 |
| Noninterest expense to average assets | 2.1477% | 3,008 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6888% | 3,345 |
| Return on assets (ROA) | 0.6888% | 3,299 |
| Pretax return on assets | 0.9348% | 2,950 |
| Return on Equity (ROE) | 8.3619% | 2,909 |
| Retained earnings to average equity (ytd only) | 5.2625% | 2,605 |
| Net charge-offs to loans | -0.0018% | 3,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7063% | 2,139 |
| Assets per employee ($millions) | 5.5441% | 3,180 |
| Cash dividends to net income (ytd only)* | 37.0651% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7837% | 4,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 60.7137% | 2,247 |
| Net loans and leases to deposits | 67.3161% | 2,443 |
| Net loans and leases to core deposits | 68.4327% | 2,611 |
| Total domestic deposits to total assets | 90.1920% | 1,631 |
| Equity capital to assets | 7.5680% | 3,423 |
| Core capital (leverage) ratio | 8.5595% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5745% | 2,911 |
| Memoranda: | ||
| Average total assets | $575,767,333 | 1,562 |
| Average earning assets | $540,610,333 | 1,551 |
| Average equity | $47,429,667 | 1,748 |
| Average total loans | $339,370,667 | 1,568 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0071% | 3,235 |
| Cost of funding earning assets | 0.2612% | 2,031 |
| Net interest margin | 2.7459% | 3,294 |
| Noninterest income to average assets | 0.4028% | 2,672 |
| Noninterest expense to average assets | 2.0988% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6555% | 3,211 |
| Return on assets (ROA) | 0.6555% | 3,189 |
| Pretax return on assets | 0.8883% | 2,817 |
| Return on Equity (ROE) | 7.6549% | 2,825 |
| Retained earnings to average equity (ytd only) | 7.6549% | 1,689 |
| Net charge-offs to loans | -0.0012% | 3,034 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2716% | 2,329 |
| Assets per employee ($millions) | 5.6931% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 4,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.2814% | 2,383 |
| Net loans and leases to deposits | 63.3024% | 2,589 |
| Net loans and leases to core deposits | 64.6146% | 2,749 |
| Total domestic deposits to total assets | 90.4885% | 1,307 |
| Equity capital to assets | 8.1530% | 3,446 |
| Core capital (leverage) ratio | 8.6265% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8568% | 2,921 |
| Memoranda: | ||
| Average total assets | $580,902,000 | 1,555 |
| Average earning assets | $546,709,500 | 1,541 |
| Average equity | $49,746,000 | 1,751 |
| Average total loans | $336,032,500 | 1,569 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5187% | 2,604 |
| Cost of funding earning assets | 0.3119% | 2,275 |
| Net interest margin | 3.2068% | 2,581 |
| Noninterest income to average assets | 1.1650% | 777 |
| Noninterest expense to average assets | 2.2518% | 2,943 |
| Loan and lease loss provision to assets | 0.0517% | 2,019 |
| Net operating income to assets | 1.4370% | 1,163 |
| Return on assets (ROA) | 1.4374% | 1,239 |
| Pretax return on assets | 1.8896% | 739 |
| Return on Equity (ROE) | 15.8330% | 782 |
| Retained earnings to average equity (ytd only) | 12.2394% | 512 |
| Net charge-offs to loans | 0.0131% | 2,073 |
| Credit loss provision to net charge-offs | 686.0465% | 672 |
| Earnings coverage of net charge-offs (x) | 257.3256% | 454 |
| Efficiency ratio | 53.0143% | 4,029 |
| Assets per employee ($millions) | 5.8099% | 2,942 |
| Cash dividends to net income (ytd only)* | 22.6968% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 4,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 57.4771% | 2,429 |
| Net loans and leases to deposits | 63.9635% | 2,691 |
| Net loans and leases to core deposits | 65.3932% | 2,873 |
| Total domestic deposits to total assets | 89.8593% | 1,026 |
| Equity capital to assets | 8.9659% | 3,652 |
| Core capital (leverage) ratio | 8.3955% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5497% | 2,975 |
| Memoranda: | ||
| Average total assets | $570,129,600 | 1,511 |
| Average earning assets | $538,263,200 | 1,497 |
| Average equity | $51,759,000 | 1,711 |
| Average total loans | $328,112,200 | 1,596 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6117% | 2,527 |
| Cost of funding earning assets | 0.3237% | 2,363 |
| Net interest margin | 3.2880% | 2,450 |
| Noninterest income to average assets | 1.3190% | 678 |
| Noninterest expense to average assets | 2.1629% | 3,192 |
| Loan and lease loss provision to assets | 0.0253% | 2,492 |
| Net operating income to assets | 1.7121% | 810 |
| Return on assets (ROA) | 1.7127% | 847 |
| Pretax return on assets | 2.2357% | 510 |
| Return on Equity (ROE) | 18.8048% | 536 |
| Retained earnings to average equity (ytd only) | 15.7009% | 321 |
| Net charge-offs to loans | 0.0033% | 2,227 |
| Credit loss provision to net charge-offs | 1,337.5000% | 436 |
| Earnings coverage of net charge-offs (x) | 1,199.2500% | 134 |
| Efficiency ratio | 48.2450% | 4,351 |
| Assets per employee ($millions) | 5.3008% | 3,404 |
| Cash dividends to net income (ytd only)* | 16.5062% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7820% | 4,376 |
| Loan loss allowance to noncurrent loans | 979.3103% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 3,851 |
| Noncurrent loans to loans | 0.0799% | 3,689 |
| Net loans and leases to total assets | 56.1286% | 2,717 |
| Net loans and leases to deposits | 62.7957% | 2,973 |
| Net loans and leases to core deposits | 64.4163% | 3,091 |
| Total domestic deposits to total assets | 89.3828% | 1,081 |
| Equity capital to assets | 9.2360% | 3,616 |
| Core capital (leverage) ratio | 8.5007% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1237% | 2,941 |
| Memoranda: | ||
| Average total assets | $565,961,000 | 1,538 |
| Average earning assets | $534,288,250 | 1,520 |
| Average equity | $51,545,750 | 1,735 |
| Average total loans | $325,143,500 | 1,639 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5999% | 2,618 |
| Cost of funding earning assets | 0.3391% | 2,415 |
| Net interest margin | 3.2608% | 2,580 |
| Noninterest income to average assets | 1.6480% | 453 |
| Noninterest expense to average assets | 2.0989% | 3,396 |
| Loan and lease loss provision to assets | 0.0032% | 2,816 |
| Net operating income to assets | 2.0354% | 460 |
| Return on assets (ROA) | 2.0362% | 482 |
| Pretax return on assets | 2.6234% | 295 |
| Return on Equity (ROE) | 22.4659% | 293 |
| Retained earnings to average equity (ytd only) | 17.7545% | 233 |
| Net charge-offs to loans | 0.0049% | 1,966 |
| Credit loss provision to net charge-offs | 112.5000% | 1,296 |
| Earnings coverage of net charge-offs (x) | 922.2500% | 145 |
| Efficiency ratio | 43.8234% | 4,625 |
| Assets per employee ($millions) | 5.5451% | 3,073 |
| Cash dividends to net income (ytd only)* | 20.9717% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7521% | 4,451 |
| Loan loss allowance to noncurrent loans | 627.0408% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 3,753 |
| Noncurrent loans to loans | 0.1199% | 3,590 |
| Net loans and leases to total assets | 56.7884% | 2,804 |
| Net loans and leases to deposits | 63.5075% | 3,054 |
| Net loans and leases to core deposits | 65.0882% | 3,187 |
| Total domestic deposits to total assets | 89.4199% | 1,069 |
| Equity capital to assets | 9.0709% | 3,735 |
| Core capital (leverage) ratio | 8.1457% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9724% | 2,964 |
| Memoranda: | ||
| Average total assets | $562,017,667 | 1,545 |
| Average earning assets | $530,241,000 | 1,527 |
| Average equity | $50,939,333 | 1,744 |
| Average total loans | $324,570,667 | 1,642 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3364% | 3,371 |
| Cost of funding earning assets | 0.3565% | 2,477 |
| Net interest margin | 2.9799% | 3,316 |
| Noninterest income to average assets | 2.5530% | 259 |
| Noninterest expense to average assets | 2.0902% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.6462% | 209 |
| Return on assets (ROA) | 2.6521% | 233 |
| Pretax return on assets | 3.2828% | 175 |
| Return on Equity (ROE) | 29.2723% | 152 |
| Retained earnings to average equity (ytd only) | 29.2723% | 81 |
| Net charge-offs to loans | 0.0111% | 1,534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 507.2222% | 188 |
| Efficiency ratio | 38.6467% | 4,790 |
| Assets per employee ($millions) | 5.9211% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7342% | 4,511 |
| Loan loss allowance to noncurrent loans | 916.8539% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,918 |
| Noncurrent loans to loans | 0.0801% | 3,897 |
| Net loans and leases to total assets | 57.0367% | 2,899 |
| Net loans and leases to deposits | 63.9559% | 3,128 |
| Net loans and leases to core deposits | 65.5611% | 3,277 |
| Total domestic deposits to total assets | 89.1813% | 1,250 |
| Equity capital to assets | 8.7317% | 3,927 |
| Core capital (leverage) ratio | 8.3408% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7656% | 2,967 |
| Memoranda: | ||
| Average total assets | $557,453,000 | 1,542 |
| Average earning assets | $526,197,000 | 1,524 |
| Average equity | $50,505,000 | 1,748 |
| Average total loans | $323,454,500 | 1,651 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8635% | 3,128 |
| Cost of funding earning assets | 0.7323% | 1,554 |
| Net interest margin | 3.1312% | 3,547 |
| Noninterest income to average assets | 0.9522% | 1,143 |
| Noninterest expense to average assets | 2.5431% | 2,712 |
| Loan and lease loss provision to assets | 0.0156% | 4,182 |
| Net operating income to assets | 0.9894% | 2,335 |
| Return on assets (ROA) | 0.9894% | 2,475 |
| Pretax return on assets | 1.3465% | 1,831 |
| Return on Equity (ROE) | 10.2649% | 1,901 |
| Retained earnings to average equity (ytd only) | 8.9435% | 782 |
| Net charge-offs to loans | 0.0006% | 3,412 |
| Credit loss provision to net charge-offs | 3,850.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 3,368.5000% | 26 |
| Efficiency ratio | 64.8012% | 2,701 |
| Assets per employee ($millions) | 5.4555% | 2,887 |
| Cash dividends to net income (ytd only)* | 12.8729% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7837% | 4,453 |
| Loan loss allowance to noncurrent loans | 816.2791% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 3,954 |
| Noncurrent loans to loans | 0.0960% | 3,913 |
| Net loans and leases to total assets | 58.1774% | 3,066 |
| Net loans and leases to deposits | 65.6632% | 3,304 |
| Net loans and leases to core deposits | 67.4333% | 3,446 |
| Total domestic deposits to total assets | 88.5996% | 1,166 |
| Equity capital to assets | 9.4162% | 3,686 |
| Core capital (leverage) ratio | 8.3685% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8218% | 2,963 |
| Memoranda: | ||
| Average total assets | $494,632,800 | 1,565 |
| Average earning assets | $466,470,000 | 1,547 |
| Average equity | $47,677,000 | 1,767 |
| Average total loans | $317,865,200 | 1,622 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 3,306 |
| Cost of funding earning assets | 0.8108% | 1,443 |
| Net interest margin | 3.0736% | 3,802 |
| Noninterest income to average assets | 0.8419% | 1,372 |
| Noninterest expense to average assets | 2.3379% | 3,317 |
| Loan and lease loss provision to assets | 0.0213% | 4,071 |
| Net operating income to assets | 1.0135% | 2,286 |
| Return on assets (ROA) | 1.0135% | 2,417 |
| Pretax return on assets | 1.3822% | 1,788 |
| Return on Equity (ROE) | 10.4485% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.4485% | 681 |
| Net charge-offs to loans | 0.0013% | 3,180 |
| Credit loss provision to net charge-offs | 2,566.6667% | 394 |
| Earnings coverage of net charge-offs (x) | 1,700.3333% | 70 |
| Efficiency ratio | 62.2031% | 3,041 |
| Assets per employee ($millions) | 5.5804% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7410% | 4,503 |
| Loan loss allowance to noncurrent loans | 1,779.7101% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 4,217 |
| Noncurrent loans to loans | 0.0416% | 4,219 |
| Net loans and leases to total assets | 61.4144% | 3,076 |
| Net loans and leases to deposits | 70.8139% | 3,233 |
| Net loans and leases to core deposits | 72.9554% | 3,400 |
| Total domestic deposits to total assets | 86.7265% | 1,761 |
| Equity capital to assets | 9.2751% | 3,875 |
| Core capital (leverage) ratio | 8.2698% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6608% | 2,997 |
| Memoranda: | ||
| Average total assets | $484,630,750 | 1,571 |
| Average earning assets | $457,175,500 | 1,553 |
| Average equity | $47,010,500 | 1,776 |
| Average total loans | $318,957,250 | 1,617 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9540% | 3,452 |
| Cost of funding earning assets | 0.9032% | 1,365 |
| Net interest margin | 3.0508% | 4,009 |
| Noninterest income to average assets | 0.6873% | 1,787 |
| Noninterest expense to average assets | 2.2934% | 3,536 |
| Loan and lease loss provision to assets | 0.0175% | 4,014 |
| Net operating income to assets | 0.9174% | 2,633 |
| Return on assets (ROA) | 0.9174% | 2,754 |
| Pretax return on assets | 1.2528% | 2,174 |
| Return on Equity (ROE) | 9.3022% | 2,250 |
| Retained earnings to average equity (ytd only) | 9.3022% | 934 |
| Net charge-offs to loans | 0.0006% | 3,019 |
| Credit loss provision to net charge-offs | 4,100.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 2,970.0000% | 24 |
| Efficiency ratio | 64.3543% | 2,772 |
| Assets per employee ($millions) | 5.5708% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7059% | 4,553 |
| Loan loss allowance to noncurrent loans | 964.9402% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 4,296 |
| Noncurrent loans to loans | 0.0731% | 4,170 |
| Net loans and leases to total assets | 63.7076% | 2,920 |
| Net loans and leases to deposits | 73.2854% | 3,141 |
| Net loans and leases to core deposits | 75.5583% | 3,323 |
| Total domestic deposits to total assets | 86.9308% | 1,648 |
| Equity capital to assets | 8.9835% | 4,104 |
| Core capital (leverage) ratio | 8.4171% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0187% | 3,159 |
| Memoranda: | ||
| Average total assets | $467,602,333 | 1,595 |
| Average earning assets | $440,866,000 | 1,574 |
| Average equity | $46,118,000 | 1,791 |
| Average total loans | $314,788,667 | 1,620 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0776% | 3,582 |
| Cost of funding earning assets | 1.0392% | 1,261 |
| Net interest margin | 3.0384% | 4,217 |
| Noninterest income to average assets | 0.6304% | 1,901 |
| Noninterest expense to average assets | 2.5576% | 3,109 |
| Loan and lease loss provision to assets | 0.0378% | 3,298 |
| Net operating income to assets | 0.6571% | 3,425 |
| Return on assets (ROA) | 0.6571% | 3,481 |
| Pretax return on assets | 0.8940% | 3,152 |
| Return on Equity (ROE) | 6.3160% | 3,199 |
| Retained earnings to average equity (ytd only) | 6.3160% | 1,767 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2964% | 1,905 |
| Assets per employee ($millions) | 4.9529% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8036% | 4,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 68.6228% | 2,448 |
| Net loans and leases to deposits | 81.2841% | 2,547 |
| Net loans and leases to core deposits | 84.2629% | 2,828 |
| Total domestic deposits to total assets | 84.4234% | 2,626 |
| Equity capital to assets | 10.5796% | 3,250 |
| Core capital (leverage) ratio | 10.1227% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8868% | 3,132 |
| Memoranda: | ||
| Average total assets | $434,003,000 | 1,665 |
| Average earning assets | $408,372,500 | 1,639 |
| Average equity | $45,155,000 | 1,813 |
| Average total loans | $300,617,500 | 1,645 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 3,547 |
| Cost of funding earning assets | 1.1726% | 1,087 |
| Net interest margin | 3.1243% | 4,333 |
| Noninterest income to average assets | 0.6736% | 1,910 |
| Noninterest expense to average assets | 2.5849% | 3,219 |
| Loan and lease loss provision to assets | 0.0228% | 3,563 |
| Net operating income to assets | 0.7319% | 3,760 |
| Return on assets (ROA) | 0.7319% | 3,831 |
| Pretax return on assets | 0.9895% | 3,487 |
| Return on Equity (ROE) | 7.1418% | 3,502 |
| Retained earnings to average equity (ytd only) | 4.3914% | 2,772 |
| Net charge-offs to loans | 0.0014% | 3,672 |
| Credit loss provision to net charge-offs | 2,400.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 1,064.0000% | 91 |
| Efficiency ratio | 71.8574% | 1,887 |
| Assets per employee ($millions) | 4.9108% | 2,697 |
| Cash dividends to net income (ytd only)* | 38.5115% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7948% | 4,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 68.8033% | 2,569 |
| Net loans and leases to deposits | 81.0401% | 2,658 |
| Net loans and leases to core deposits | 84.0614% | 2,944 |
| Total domestic deposits to total assets | 84.9003% | 2,533 |
| Equity capital to assets | 10.2275% | 3,701 |
| Core capital (leverage) ratio | 9.9323% | 3,590 |
| Tier 1 risk-based capital ratio | 11.2984% | 4,737 |
| Total risk-based capital ratio | 11.9374% | 4,880 |
| Memoranda: | ||
| Average total assets | $420,409,400 | 1,664 |
| Average earning assets | $393,397,000 | 1,655 |
| Average equity | $43,084,600 | 1,815 |
| Average total loans | $291,173,800 | 1,643 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3064% | 3,638 |
| Cost of funding earning assets | 1.1760% | 1,090 |
| Net interest margin | 3.1304% | 4,430 |
| Noninterest income to average assets | 0.6534% | 1,974 |
| Noninterest expense to average assets | 2.4870% | 3,475 |
| Loan and lease loss provision to assets | 0.0275% | 3,352 |
| Net operating income to assets | 0.7844% | 3,720 |
| Return on assets (ROA) | 0.7844% | 3,791 |
| Pretax return on assets | 1.0670% | 3,391 |
| Return on Equity (ROE) | 7.6498% | 3,453 |
| Retained earnings to average equity (ytd only) | 5.7342% | 2,488 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4400% | 2,197 |
| Assets per employee ($millions) | 4.7859% | 2,813 |
| Cash dividends to net income (ytd only)* | 25.0408% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 4,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 69.3200% | 2,578 |
| Net loans and leases to deposits | 82.0315% | 2,680 |
| Net loans and leases to core deposits | 85.1678% | 2,976 |
| Total domestic deposits to total assets | 84.5041% | 2,628 |
| Equity capital to assets | 10.5096% | 3,535 |
| Core capital (leverage) ratio | 10.1478% | 3,480 |
| Tier 1 risk-based capital ratio | 11.5022% | 4,668 |
| Total risk-based capital ratio | 12.1519% | 4,843 |
| Memoranda: | ||
| Average total assets | $417,474,750 | 1,689 |
| Average earning assets | $390,478,500 | 1,674 |
| Average equity | $42,806,250 | 1,833 |
| Average total loans | $289,038,750 | 1,659 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 3,722 |
| Cost of funding earning assets | 1.1558% | 1,118 |
| Net interest margin | 3.1168% | 4,503 |
| Noninterest income to average assets | 0.5910% | 2,192 |
| Noninterest expense to average assets | 2.4514% | 3,603 |
| Loan and lease loss provision to assets | 0.0389% | 3,039 |
| Net operating income to assets | 0.7467% | 3,845 |
| Return on assets (ROA) | 0.7467% | 3,907 |
| Pretax return on assets | 1.0133% | 3,495 |
| Return on Equity (ROE) | 7.3439% | 3,553 |
| Retained earnings to average equity (ytd only) | 4.4375% | 3,047 |
| Net charge-offs to loans | 0.0014% | 3,129 |
| Credit loss provision to net charge-offs | 4,050.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 1,095.0000% | 62 |
| Efficiency ratio | 69.9671% | 2,232 |
| Assets per employee ($millions) | 4.8377% | 2,689 |
| Cash dividends to net income (ytd only)* | 39.5753% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 4,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 69.0807% | 2,665 |
| Net loans and leases to deposits | 81.5148% | 2,784 |
| Net loans and leases to core deposits | 84.3652% | 3,077 |
| Total domestic deposits to total assets | 84.7462% | 2,581 |
| Equity capital to assets | 10.2771% | 3,722 |
| Core capital (leverage) ratio | 9.8478% | 3,762 |
| Tier 1 risk-based capital ratio | 11.2350% | 4,815 |
| Total risk-based capital ratio | 11.8816% | 4,973 |
| Memoranda: | ||
| Average total assets | $416,247,330 | 1,701 |
| Average earning assets | $388,987,670 | 1,685 |
| Average equity | $42,321,000 | 1,850 |
| Average total loans | $287,277,670 | 1,675 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1721% | 3,953 |
| Cost of funding earning assets | 1.0765% | 1,270 |
| Net interest margin | 3.0956% | 4,602 |
| Noninterest income to average assets | 0.5924% | 2,080 |
| Noninterest expense to average assets | 2.5521% | 3,364 |
| Loan and lease loss provision to assets | 0.0425% | 2,786 |
| Net operating income to assets | 0.6494% | 4,094 |
| Return on assets (ROA) | 0.6494% | 4,127 |
| Pretax return on assets | 0.8765% | 3,839 |
| Return on Equity (ROE) | 6.4222% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.4222% | 2,271 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5245% | 1,814 |
| Assets per employee ($millions) | 4.8288% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8190% | 4,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 68.8667% | 2,642 |
| Net loans and leases to deposits | 83.1851% | 2,480 |
| Net loans and leases to core deposits | 85.9751% | 2,870 |
| Total domestic deposits to total assets | 82.7873% | 3,469 |
| Equity capital to assets | 10.3502% | 3,474 |
| Core capital (leverage) ratio | 10.1104% | 3,481 |
| Tier 1 risk-based capital ratio | 11.3417% | 4,812 |
| Total risk-based capital ratio | 11.9890% | 4,993 |
| Memoranda: | ||
| Average total assets | $413,931,500 | 1,716 |
| Average earning assets | $384,934,000 | 1,712 |
| Average equity | $41,854,500 | 1,861 |
| Average total loans | $284,359,000 | 1,698 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0410% | 3,914 |
| Cost of funding earning assets | 0.8488% | 1,311 |
| Net interest margin | 3.1923% | 4,502 |
| Noninterest income to average assets | 0.6521% | 2,041 |
| Noninterest expense to average assets | 2.5294% | 3,528 |
| Loan and lease loss provision to assets | 0.0372% | 3,456 |
| Net operating income to assets | 0.7838% | 3,865 |
| Return on assets (ROA) | 0.7838% | 3,867 |
| Pretax return on assets | 1.0575% | 3,416 |
| Return on Equity (ROE) | 7.6040% | 3,615 |
| Retained earnings to average equity (ytd only) | 4.1333% | 3,285 |
| Net charge-offs to loans | -0.0022% | 4,243 |
| Credit loss provision to net charge-offs | -2,433.3333% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7933% | 2,223 |
| Assets per employee ($millions) | 4.9108% | 2,609 |
| Cash dividends to net income (ytd only)* | 45.6437% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 4,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 67.4226% | 2,950 |
| Net loans and leases to deposits | 80.6490% | 2,885 |
| Net loans and leases to core deposits | 82.6992% | 3,204 |
| Total domestic deposits to total assets | 83.6000% | 3,126 |
| Equity capital to assets | 9.8767% | 3,789 |
| Core capital (leverage) ratio | 10.0788% | 3,486 |
| Tier 1 risk-based capital ratio | 11.1419% | 4,900 |
| Total risk-based capital ratio | 11.7762% | 5,069 |
| Memoranda: | ||
| Average total assets | $392,429,600 | 1,751 |
| Average earning assets | $365,351,800 | 1,743 |
| Average equity | $40,452,200 | 1,838 |
| Average total loans | $275,657,000 | 1,693 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0059% | 3,913 |
| Cost of funding earning assets | 0.8034% | 1,319 |
| Net interest margin | 3.2025% | 4,507 |
| Noninterest income to average assets | 0.6194% | 2,213 |
| Noninterest expense to average assets | 2.5231% | 3,522 |
| Loan and lease loss provision to assets | 0.0504% | 2,977 |
| Net operating income to assets | 0.7716% | 4,002 |
| Return on assets (ROA) | 0.7716% | 4,011 |
| Pretax return on assets | 1.0406% | 3,607 |
| Return on Equity (ROE) | 7.4020% | 3,787 |
| Retained earnings to average equity (ytd only) | 5.4579% | 2,982 |
| Net charge-offs to loans | -0.0039% | 4,180 |
| Credit loss provision to net charge-offs | -1,825.0000% | 4,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8128% | 2,228 |
| Assets per employee ($millions) | 4.5140% | 3,103 |
| Cash dividends to net income (ytd only)* | 26.2640% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8226% | 4,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 70.3627% | 2,587 |
| Net loans and leases to deposits | 85.1351% | 2,457 |
| Net loans and leases to core deposits | 86.8563% | 2,933 |
| Total domestic deposits to total assets | 82.6482% | 3,420 |
| Equity capital to assets | 10.3722% | 3,263 |
| Core capital (leverage) ratio | 10.4070% | 3,181 |
| Tier 1 risk-based capital ratio | 11.5897% | 4,741 |
| Total risk-based capital ratio | 12.2505% | 4,931 |
| Memoranda: | ||
| Average total assets | $386,183,250 | 1,782 |
| Average earning assets | $361,125,750 | 1,773 |
| Average equity | $40,258,500 | 1,843 |
| Average total loans | $273,640,750 | 1,710 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9535% | 3,916 |
| Cost of funding earning assets | 0.7601% | 1,325 |
| Net interest margin | 3.1935% | 4,519 |
| Noninterest income to average assets | 0.5687% | 2,482 |
| Noninterest expense to average assets | 2.4958% | 3,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7844% | 3,909 |
| Return on assets (ROA) | 0.7844% | 3,909 |
| Pretax return on assets | 1.0578% | 3,484 |
| Return on Equity (ROE) | 7.5112% | 3,719 |
| Retained earnings to average equity (ytd only) | 4.5786% | 3,305 |
| Net charge-offs to loans | -0.0066% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2330% | 2,269 |
| Assets per employee ($millions) | 4.4690% | 3,173 |
| Cash dividends to net income (ytd only)* | 39.0438% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 4,744 |
| Loan loss allowance to noncurrent loans | 625.9475% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 4,574 |
| Noncurrent loans to loans | 0.1251% | 4,350 |
| Net loans and leases to total assets | 69.9869% | 2,583 |
| Net loans and leases to deposits | 86.3409% | 2,276 |
| Net loans and leases to core deposits | 88.1303% | 2,706 |
| Total domestic deposits to total assets | 81.0588% | 3,978 |
| Equity capital to assets | 10.3402% | 3,293 |
| Core capital (leverage) ratio | 10.2452% | 3,292 |
| Tier 1 risk-based capital ratio | 11.4580% | 4,799 |
| Total risk-based capital ratio | 12.0812% | 5,030 |
| Memoranda: | ||
| Average total assets | $384,004,000 | 1,800 |
| Average earning assets | $358,922,000 | 1,781 |
| Average equity | $40,100,000 | 1,857 |
| Average total loans | $271,980,670 | 1,725 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 4,056 |
| Cost of funding earning assets | 0.7250% | 1,317 |
| Net interest margin | 3.1333% | 4,637 |
| Noninterest income to average assets | 0.5618% | 2,464 |
| Noninterest expense to average assets | 2.5859% | 3,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6740% | 4,191 |
| Return on assets (ROA) | 0.6740% | 4,196 |
| Pretax return on assets | 0.9025% | 3,844 |
| Return on Equity (ROE) | 6.4222% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.4222% | 2,542 |
| Net charge-offs to loans | -0.0118% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1286% | 1,884 |
| Assets per employee ($millions) | 4.5313% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 4,798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.2243% | 2,445 |
| Net loans and leases to deposits | 85.2470% | 2,267 |
| Net loans and leases to core deposits | 86.9451% | 2,721 |
| Total domestic deposits to total assets | 82.3775% | 3,852 |
| Equity capital to assets | 10.5398% | 3,038 |
| Core capital (leverage) ratio | 10.4669% | 2,988 |
| Tier 1 risk-based capital ratio | 11.5328% | 4,843 |
| Total risk-based capital ratio | 12.1642% | 5,086 |
| Memoranda: | ||
| Average total assets | $381,604,500 | 1,816 |
| Average earning assets | $356,434,500 | 1,805 |
| Average equity | $40,048,500 | 1,867 |
| Average total loans | $270,842,000 | 1,737 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7369% | 4,250 |
| Cost of funding earning assets | 0.6066% | 1,555 |
| Net interest margin | 3.1303% | 4,626 |
| Noninterest income to average assets | 0.6764% | 2,064 |
| Noninterest expense to average assets | 2.5619% | 3,575 |
| Loan and lease loss provision to assets | 0.0061% | 4,141 |
| Net operating income to assets | 0.6271% | 3,900 |
| Return on assets (ROA) | 0.6271% | 3,938 |
| Pretax return on assets | 1.0348% | 3,436 |
| Return on Equity (ROE) | 5.9323% | 3,793 |
| Retained earnings to average equity (ytd only) | 2.8431% | 3,610 |
| Net charge-offs to loans | -0.0012% | 4,498 |
| Credit loss provision to net charge-offs | -766.6667% | 5,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1075% | 2,379 |
| Assets per employee ($millions) | 4.5545% | 3,104 |
| Cash dividends to net income (ytd only)* | 52.0745% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 4,869 |
| Loan loss allowance to noncurrent loans | 4,751.1111% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 5,108 |
| Noncurrent loans to loans | 0.0165% | 4,954 |
| Net loans and leases to total assets | 70.6011% | 2,434 |
| Net loans and leases to deposits | 85.8893% | 2,276 |
| Net loans and leases to core deposits | 87.5156% | 2,765 |
| Total domestic deposits to total assets | 82.2001% | 3,816 |
| Equity capital to assets | 10.4499% | 3,213 |
| Core capital (leverage) ratio | 9.9902% | 3,472 |
| Tier 1 risk-based capital ratio | 11.4044% | 4,913 |
| Total risk-based capital ratio | 12.0368% | 5,152 |
| Memoranda: | ||
| Average total assets | $376,680,400 | 1,798 |
| Average earning assets | $352,136,600 | 1,788 |
| Average equity | $39,815,800 | 1,867 |
| Average total loans | $258,489,800 | 1,766 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6839% | 4,367 |
| Cost of funding earning assets | 0.5776% | 1,688 |
| Net interest margin | 3.1063% | 4,699 |
| Noninterest income to average assets | 0.6364% | 2,276 |
| Noninterest expense to average assets | 2.5052% | 3,711 |
| Loan and lease loss provision to assets | 0.0082% | 3,968 |
| Net operating income to assets | 0.6702% | 4,121 |
| Return on assets (ROA) | 0.6702% | 4,179 |
| Pretax return on assets | 1.0316% | 3,562 |
| Return on Equity (ROE) | 6.3221% | 3,975 |
| Retained earnings to average equity (ytd only) | 4.2605% | 3,363 |
| Net charge-offs to loans | -0.0005% | 4,252 |
| Credit loss provision to net charge-offs | -2,300.0000% | 5,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6696% | 2,421 |
| Assets per employee ($millions) | 4.7453% | 2,770 |
| Cash dividends to net income (ytd only)* | 32.6088% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 4,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.2558% | 3,355 |
| Net loans and leases to deposits | 76.1936% | 3,353 |
| Net loans and leases to core deposits | 79.5858% | 3,479 |
| Total domestic deposits to total assets | 84.3324% | 2,983 |
| Equity capital to assets | 10.1767% | 3,714 |
| Core capital (leverage) ratio | 10.4678% | 3,026 |
| Tier 1 risk-based capital ratio | 11.9610% | 4,658 |
| Total risk-based capital ratio | 12.6213% | 4,926 |
| Memoranda: | ||
| Average total assets | $375,206,500 | 1,819 |
| Average earning assets | $351,317,250 | 1,811 |
| Average equity | $39,775,000 | 1,887 |
| Average total loans | $255,052,000 | 1,799 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7200% | 4,161 |
| Cost of funding earning assets | 0.5576% | 1,728 |
| Net interest margin | 3.1623% | 4,513 |
| Noninterest income to average assets | 0.5868% | 2,524 |
| Noninterest expense to average assets | 2.5095% | 3,716 |
| Loan and lease loss provision to assets | 0.0125% | 3,705 |
| Net operating income to assets | 0.6674% | 3,994 |
| Return on assets (ROA) | 0.6674% | 4,053 |
| Pretax return on assets | 1.0223% | 3,471 |
| Return on Equity (ROE) | 6.2058% | 3,955 |
| Retained earnings to average equity (ytd only) | 3.0928% | 3,871 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8033% | 2,535 |
| Assets per employee ($millions) | 4.4951% | 3,115 |
| Cash dividends to net income (ytd only)* | 50.1631% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 4,879 |
| Loan loss allowance to noncurrent loans | 6,469.6970% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 5,010 |
| Noncurrent loans to loans | 0.0128% | 5,124 |
| Net loans and leases to total assets | 69.5067% | 2,595 |
| Net loans and leases to deposits | 85.3523% | 2,303 |
| Net loans and leases to core deposits | 87.4043% | 2,756 |
| Total domestic deposits to total assets | 81.4350% | 4,065 |
| Equity capital to assets | 10.8494% | 2,965 |
| Core capital (leverage) ratio | 10.3718% | 3,049 |
| Tier 1 risk-based capital ratio | 11.7951% | 4,762 |
| Total risk-based capital ratio | 12.4572% | 5,032 |
| Memoranda: | ||
| Average total assets | $367,407,000 | 1,860 |
| Average earning assets | $343,605,670 | 1,843 |
| Average equity | $39,511,670 | 1,890 |
| Average total loans | $253,981,670 | 1,800 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6813% | 4,165 |
| Cost of funding earning assets | 0.5256% | 1,897 |
| Net interest margin | 3.1558% | 4,482 |
| Noninterest income to average assets | 0.5463% | 2,680 |
| Noninterest expense to average assets | 2.6248% | 3,393 |
| Loan and lease loss provision to assets | 0.0251% | 3,245 |
| Net operating income to assets | 0.5605% | 4,325 |
| Return on assets (ROA) | 0.5605% | 4,374 |
| Pretax return on assets | 0.8429% | 3,962 |
| Return on Equity (ROE) | 5.2353% | 4,286 |
| Retained earnings to average equity (ytd only) | 5.2353% | 2,764 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1483% | 2,044 |
| Assets per employee ($millions) | 4.3872% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 4,918 |
| Loan loss allowance to noncurrent loans | 294.4828% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 4,248 |
| Noncurrent loans to loans | 0.2894% | 4,079 |
| Net loans and leases to total assets | 68.2103% | 2,644 |
| Net loans and leases to deposits | 84.3999% | 2,236 |
| Net loans and leases to core deposits | 84.9172% | 2,822 |
| Total domestic deposits to total assets | 80.8181% | 4,457 |
| Equity capital to assets | 10.8790% | 2,767 |
| Core capital (leverage) ratio | 10.4920% | 2,912 |
| Tier 1 risk-based capital ratio | 12.0062% | 4,716 |
| Total risk-based capital ratio | 12.6819% | 4,970 |
| Memoranda: | ||
| Average total assets | $366,809,500 | 1,872 |
| Average earning assets | $342,485,000 | 1,858 |
| Average equity | $39,272,000 | 1,897 |
| Average total loans | $251,803,500 | 1,828 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6856% | 4,256 |
| Cost of funding earning assets | 0.5071% | 2,033 |
| Net interest margin | 3.1785% | 4,509 |
| Noninterest income to average assets | 0.7492% | 1,958 |
| Noninterest expense to average assets | 2.4912% | 4,040 |
| Loan and lease loss provision to assets | 0.0661% | 3,041 |
| Net operating income to assets | 0.7543% | 3,517 |
| Return on assets (ROA) | 0.7541% | 3,637 |
| Pretax return on assets | 1.1596% | 2,858 |
| Return on Equity (ROE) | 7.0872% | 3,425 |
| Retained earnings to average equity (ytd only) | 3.9413% | 3,116 |
| Net charge-offs to loans | 0.0976% | 2,321 |
| Credit loss provision to net charge-offs | 99.1837% | 2,624 |
| Earnings coverage of net charge-offs (x) | 18.3878% | 1,972 |
| Efficiency ratio | 67.0181% | 3,438 |
| Assets per employee ($millions) | 4.4516% | 3,189 |
| Cash dividends to net income (ytd only)* | 44.3883% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 5,003 |
| Loan loss allowance to noncurrent loans | 6,034.2857% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 5,128 |
| Noncurrent loans to loans | 0.0138% | 5,219 |
| Net loans and leases to total assets | 67.9278% | 2,778 |
| Net loans and leases to deposits | 83.2152% | 2,511 |
| Net loans and leases to core deposits | 83.9916% | 3,026 |
| Total domestic deposits to total assets | 81.6290% | 4,167 |
| Equity capital to assets | 10.5363% | 3,109 |
| Core capital (leverage) ratio | 10.4222% | 2,957 |
| Tier 1 risk-based capital ratio | 11.6231% | 4,974 |
| Total risk-based capital ratio | 12.2790% | 5,218 |
| Memoranda: | ||
| Average total assets | $367,450,200 | 1,822 |
| Average earning assets | $343,116,000 | 1,811 |
| Average equity | $39,098,400 | 1,875 |
| Average total loans | $251,116,600 | 1,786 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6889% | 4,286 |
| Cost of funding earning assets | 0.5078% | 2,040 |
| Net interest margin | 3.1811% | 4,535 |
| Noninterest income to average assets | 0.6976% | 2,177 |
| Noninterest expense to average assets | 2.4646% | 4,092 |
| Loan and lease loss provision to assets | 0.0883% | 2,466 |
| Net operating income to assets | 0.7306% | 3,690 |
| Return on assets (ROA) | 0.7303% | 3,825 |
| Pretax return on assets | 1.1148% | 3,165 |
| Return on Equity (ROE) | 6.8469% | 3,641 |
| Retained earnings to average equity (ytd only) | 4.7520% | 2,984 |
| Net charge-offs to loans | 0.1378% | 1,607 |
| Credit loss provision to net charge-offs | 93.8224% | 2,473 |
| Earnings coverage of net charge-offs (x) | 12.7878% | 2,358 |
| Efficiency ratio | 67.1917% | 3,386 |
| Assets per employee ($millions) | 4.2250% | 3,551 |
| Cash dividends to net income (ytd only)* | 30.5971% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 5,110 |
| Loan loss allowance to noncurrent loans | 2,305.4945% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 5,106 |
| Noncurrent loans to loans | 0.0359% | 5,229 |
| Net loans and leases to total assets | 69.2261% | 2,605 |
| Net loans and leases to deposits | 85.3366% | 2,331 |
| Net loans and leases to core deposits | 86.3470% | 2,921 |
| Total domestic deposits to total assets | 81.1212% | 4,222 |
| Equity capital to assets | 10.9732% | 3,038 |
| Core capital (leverage) ratio | 10.4311% | 3,071 |
| Tier 1 risk-based capital ratio | 11.6622% | 5,004 |
| Total risk-based capital ratio | 12.3187% | 5,240 |
| Memoranda: | ||
| Average total assets | $366,941,500 | 1,827 |
| Average earning assets | $342,643,750 | 1,816 |
| Average equity | $39,140,500 | 1,885 |
| Average total loans | $250,622,000 | 1,790 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6614% | 4,410 |
| Cost of funding earning assets | 0.5014% | 2,091 |
| Net interest margin | 3.1600% | 4,669 |
| Noninterest income to average assets | 0.6443% | 2,394 |
| Noninterest expense to average assets | 2.3871% | 4,378 |
| Loan and lease loss provision to assets | 0.1320% | 1,733 |
| Net operating income to assets | 0.7099% | 3,743 |
| Return on assets (ROA) | 0.7095% | 3,894 |
| Pretax return on assets | 1.0795% | 3,282 |
| Return on Equity (ROE) | 6.7152% | 3,690 |
| Retained earnings to average equity (ytd only) | 3.5530% | 3,632 |
| Net charge-offs to loans | 0.2051% | 1,131 |
| Credit loss provision to net charge-offs | 94.9219% | 2,188 |
| Earnings coverage of net charge-offs (x) | 8.7148% | 2,496 |
| Efficiency ratio | 66.3245% | 3,624 |
| Assets per employee ($millions) | 4.4815% | 3,066 |
| Cash dividends to net income (ytd only)* | 47.0904% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8370% | 5,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 4,302 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 68.5699% | 2,697 |
| Net loans and leases to deposits | 82.0263% | 2,712 |
| Net loans and leases to core deposits | 82.9721% | 3,170 |
| Total domestic deposits to total assets | 83.5950% | 3,427 |
| Equity capital to assets | 10.8281% | 3,258 |
| Core capital (leverage) ratio | 10.1855% | 3,347 |
| Tier 1 risk-based capital ratio | 11.4631% | 5,183 |
| Total risk-based capital ratio | 12.1217% | 5,415 |
| Memoranda: | ||
| Average total assets | $368,138,670 | 1,821 |
| Average earning assets | $344,242,670 | 1,808 |
| Average equity | $38,897,000 | 1,898 |
| Average total loans | $249,619,000 | 1,800 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6333% | 4,524 |
| Cost of funding earning assets | 0.4988% | 2,121 |
| Net interest margin | 3.1345% | 4,768 |
| Noninterest income to average assets | 0.9571% | 1,168 |
| Noninterest expense to average assets | 2.2562% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0409% | 2,116 |
| Return on assets (ROA) | 1.0402% | 2,239 |
| Pretax return on assets | 1.6358% | 1,216 |
| Return on Equity (ROE) | 9.9658% | 1,993 |
| Retained earnings to average equity (ytd only) | 9.9658% | 850 |
| Net charge-offs to loans | -0.0032% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9545% | 5,004 |
| Assets per employee ($millions) | 4.4778% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 5,193 |
| Loan loss allowance to noncurrent loans | 291.4601% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 4,525 |
| Noncurrent loans to loans | 0.2943% | 4,377 |
| Net loans and leases to total assets | 67.4216% | 2,746 |
| Net loans and leases to deposits | 82.0632% | 2,534 |
| Net loans and leases to core deposits | 83.1721% | 3,023 |
| Total domestic deposits to total assets | 82.1581% | 4,167 |
| Equity capital to assets | 10.8521% | 3,115 |
| Core capital (leverage) ratio | 10.0260% | 3,509 |
| Tier 1 risk-based capital ratio | 11.6731% | 5,120 |
| Total risk-based capital ratio | 12.3435% | 5,363 |
| Memoranda: | ||
| Average total assets | $370,708,500 | 1,810 |
| Average earning assets | $347,231,000 | 1,791 |
| Average equity | $38,692,500 | 1,904 |
| Average total loans | $248,924,000 | 1,805 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6430% | 4,549 |
| Cost of funding earning assets | 0.4588% | 2,545 |
| Net interest margin | 3.1843% | 4,674 |
| Noninterest income to average assets | 0.7126% | 2,144 |
| Noninterest expense to average assets | 2.5527% | 4,064 |
| Loan and lease loss provision to assets | 0.0486% | 3,359 |
| Net operating income to assets | 0.7081% | 3,773 |
| Return on assets (ROA) | 0.7081% | 3,882 |
| Pretax return on assets | 1.0657% | 3,207 |
| Return on Equity (ROE) | 6.6215% | 3,716 |
| Retained earnings to average equity (ytd only) | 3.0559% | 3,884 |
| Net charge-offs to loans | -0.0185% | 5,247 |
| Credit loss provision to net charge-offs | -390.9091% | 5,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6141% | 3,287 |
| Assets per employee ($millions) | 4.5085% | 3,037 |
| Cash dividends to net income (ytd only)* | 53.8492% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 5,293 |
| Loan loss allowance to noncurrent loans | 293.2039% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 4,595 |
| Noncurrent loans to loans | 0.2870% | 4,439 |
| Net loans and leases to total assets | 65.7694% | 3,018 |
| Net loans and leases to deposits | 80.7057% | 2,742 |
| Net loans and leases to core deposits | 81.6893% | 3,181 |
| Total domestic deposits to total assets | 81.4929% | 4,339 |
| Equity capital to assets | 10.0403% | 3,912 |
| Core capital (leverage) ratio | 9.9027% | 3,639 |
| Tier 1 risk-based capital ratio | 11.1817% | 5,432 |
| Total risk-based capital ratio | 11.8405% | 5,655 |
| Memoranda: | ||
| Average total assets | $354,055,200 | 1,846 |
| Average earning assets | $328,488,800 | 1,852 |
| Average equity | $37,861,400 | 1,892 |
| Average total loans | $238,109,800 | 1,814 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6648% | 4,540 |
| Cost of funding earning assets | 0.4495% | 2,690 |
| Net interest margin | 3.2153% | 4,627 |
| Noninterest income to average assets | 0.6849% | 2,303 |
| Noninterest expense to average assets | 2.4977% | 4,201 |
| Loan and lease loss provision to assets | 0.0318% | 3,602 |
| Net operating income to assets | 0.7397% | 3,729 |
| Return on assets (ROA) | 0.7397% | 3,824 |
| Pretax return on assets | 1.1329% | 3,086 |
| Return on Equity (ROE) | 6.8039% | 3,725 |
| Retained earnings to average equity (ytd only) | 4.4243% | 3,318 |
| Net charge-offs to loans | 0.0142% | 3,679 |
| Credit loss provision to net charge-offs | 332.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 121.5692% | 527 |
| Efficiency ratio | 68.1980% | 3,503 |
| Assets per employee ($millions) | 4.2609% | 3,402 |
| Cash dividends to net income (ytd only)* | 34.9742% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 5,473 |
| Loan loss allowance to noncurrent loans | 243.8903% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 4,618 |
| Noncurrent loans to loans | 0.3360% | 4,406 |
| Net loans and leases to total assets | 66.1395% | 2,985 |
| Net loans and leases to deposits | 78.6149% | 3,033 |
| Net loans and leases to core deposits | 79.5958% | 3,453 |
| Total domestic deposits to total assets | 84.1310% | 3,370 |
| Equity capital to assets | 10.7329% | 3,322 |
| Core capital (leverage) ratio | 10.4770% | 3,066 |
| Tier 1 risk-based capital ratio | 11.7987% | 5,203 |
| Total risk-based capital ratio | 12.4402% | 5,450 |
| Memoranda: | ||
| Average total assets | $347,890,500 | 1,893 |
| Average earning assets | $322,159,500 | 1,890 |
| Average equity | $37,820,750 | 1,907 |
| Average total loans | $234,839,250 | 1,841 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6771% | 4,478 |
| Cost of funding earning assets | 0.4278% | 2,953 |
| Net interest margin | 3.2492% | 4,502 |
| Noninterest income to average assets | 0.6484% | 2,483 |
| Noninterest expense to average assets | 2.5309% | 4,138 |
| Loan and lease loss provision to assets | 0.0331% | 3,457 |
| Net operating income to assets | 0.7140% | 3,825 |
| Return on assets (ROA) | 0.7140% | 3,941 |
| Pretax return on assets | 1.0866% | 3,232 |
| Return on Equity (ROE) | 6.5386% | 3,860 |
| Retained earnings to average equity (ytd only) | 2.9503% | 4,157 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3274% | 3,440 |
| Assets per employee ($millions) | 4.1258% | 3,629 |
| Cash dividends to net income (ytd only)* | 54.8780% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8335% | 5,511 |
| Loan loss allowance to noncurrent loans | 1,469.9248% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 4,518 |
| Noncurrent loans to loans | 0.0567% | 5,509 |
| Net loans and leases to total assets | 67.9214% | 2,658 |
| Net loans and leases to deposits | 81.3536% | 2,630 |
| Net loans and leases to core deposits | 82.0172% | 3,171 |
| Total domestic deposits to total assets | 83.4891% | 3,763 |
| Equity capital to assets | 10.9815% | 2,900 |
| Core capital (leverage) ratio | 10.4720% | 3,001 |
| Tier 1 risk-based capital ratio | 11.7233% | 5,322 |
| Total risk-based capital ratio | 12.3729% | 5,581 |
| Memoranda: | ||
| Average total assets | $344,547,670 | 1,921 |
| Average earning assets | $318,352,330 | 1,927 |
| Average equity | $37,622,670 | 1,923 |
| Average total loans | $233,558,330 | 1,851 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6112% | 4,656 |
| Cost of funding earning assets | 0.4321% | 2,956 |
| Net interest margin | 3.1791% | 4,681 |
| Noninterest income to average assets | 0.5845% | 2,739 |
| Noninterest expense to average assets | 2.4317% | 4,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7176% | 3,713 |
| Return on assets (ROA) | 0.7176% | 3,839 |
| Pretax return on assets | 1.0903% | 3,126 |
| Return on Equity (ROE) | 6.5902% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.5902% | 2,195 |
| Net charge-offs to loans | 0.0051% | 3,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 314.0000% | 176 |
| Efficiency ratio | 69.0437% | 3,648 |
| Assets per employee ($millions) | 4.0629% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 5,639 |
| Loan loss allowance to noncurrent loans | 1,246.7105% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.3481% | 4,610 |
| Noncurrent loans to loans | 0.0660% | 5,509 |
| Net loans and leases to total assets | 67.7283% | 2,495 |
| Net loans and leases to deposits | 78.5206% | 2,736 |
| Net loans and leases to core deposits | 79.2876% | 3,252 |
| Total domestic deposits to total assets | 86.2555% | 2,791 |
| Equity capital to assets | 11.2838% | 2,665 |
| Core capital (leverage) ratio | 10.6458% | 2,794 |
| Tier 1 risk-based capital ratio | 11.9104% | 5,300 |
| Total risk-based capital ratio | 12.5490% | 5,572 |
| Memoranda: | ||
| Average total assets | $345,601,500 | 1,925 |
| Average earning assets | $319,337,000 | 1,928 |
| Average equity | $37,631,500 | 1,936 |
| Average total loans | $233,065,000 | 1,847 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6921% | 4,795 |
| Cost of funding earning assets | 0.5158% | 2,525 |
| Net interest margin | 3.1763% | 5,000 |
| Noninterest income to average assets | 0.7173% | 2,226 |
| Noninterest expense to average assets | 2.4996% | 4,551 |
| Loan and lease loss provision to assets | 0.0726% | 3,029 |
| Net operating income to assets | 0.7139% | 3,820 |
| Return on assets (ROA) | 0.8102% | 3,411 |
| Pretax return on assets | 1.2217% | 2,559 |
| Return on Equity (ROE) | 7.5116% | 3,367 |
| Retained earnings to average equity (ytd only) | 4.2410% | 3,173 |
| Net charge-offs to loans | 0.0615% | 3,613 |
| Credit loss provision to net charge-offs | 180.2920% | 1,348 |
| Earnings coverage of net charge-offs (x) | 28.5182% | 1,391 |
| Efficiency ratio | 68.5173% | 3,801 |
| Assets per employee ($millions) | 4.2649% | 3,427 |
| Cash dividends to net income (ytd only)* | 43.5414% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8048% | 5,763 |
| Loan loss allowance to noncurrent loans | 2,063.0435% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 4,785 |
| Noncurrent loans to loans | 0.0390% | 5,721 |
| Net loans and leases to total assets | 66.0890% | 2,864 |
| Net loans and leases to deposits | 78.3048% | 2,937 |
| Net loans and leases to core deposits | 79.6265% | 3,334 |
| Total domestic deposits to total assets | 84.3996% | 3,556 |
| Equity capital to assets | 10.5123% | 3,461 |
| Core capital (leverage) ratio | 10.2398% | 3,260 |
| Tier 1 risk-based capital ratio | 13.3911% | 4,472 |
| Total risk-based capital ratio | 14.1231% | 4,722 |
| Memoranda: | ||
| Average total assets | $340,169,600 | 1,914 |
| Average earning assets | $313,886,600 | 1,913 |
| Average equity | $36,689,800 | 1,916 |
| Average total loans | $222,687,800 | 1,884 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6850% | 4,906 |
| Cost of funding earning assets | 0.5287% | 2,478 |
| Net interest margin | 3.1562% | 5,100 |
| Noninterest income to average assets | 0.7139% | 2,264 |
| Noninterest expense to average assets | 2.4134% | 4,786 |
| Loan and lease loss provision to assets | 0.0440% | 3,515 |
| Net operating income to assets | 0.7733% | 3,547 |
| Return on assets (ROA) | 0.9032% | 2,990 |
| Pretax return on assets | 1.3748% | 2,099 |
| Return on Equity (ROE) | 8.3187% | 3,026 |
| Retained earnings to average equity (ytd only) | 6.1305% | 2,325 |
| Net charge-offs to loans | -0.0176% | 5,580 |
| Credit loss provision to net charge-offs | -382.7586% | 5,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3871% | 4,157 |
| Assets per employee ($millions) | 4.1599% | 3,546 |
| Cash dividends to net income (ytd only)* | 26.3042% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 5,719 |
| Loan loss allowance to noncurrent loans | 2,190.9091% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 4,846 |
| Noncurrent loans to loans | 0.0392% | 5,861 |
| Net loans and leases to total assets | 65.1915% | 2,999 |
| Net loans and leases to deposits | 77.2419% | 3,037 |
| Net loans and leases to core deposits | 79.7952% | 3,332 |
| Total domestic deposits to total assets | 84.3991% | 3,590 |
| Equity capital to assets | 10.9534% | 3,001 |
| Core capital (leverage) ratio | 10.4741% | 3,072 |
| Tier 1 risk-based capital ratio | 14.0552% | 4,169 |
| Total risk-based capital ratio | 14.8328% | 4,430 |
| Memoranda: | ||
| Average total assets | $336,715,750 | 1,943 |
| Average earning assets | $311,673,500 | 1,937 |
| Average equity | $36,559,250 | 1,930 |
| Average total loans | $219,399,000 | 1,920 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6627% | 4,969 |
| Cost of funding earning assets | 0.5296% | 2,546 |
| Net interest margin | 3.1331% | 5,148 |
| Noninterest income to average assets | 0.6491% | 2,550 |
| Noninterest expense to average assets | 2.4513% | 4,733 |
| Loan and lease loss provision to assets | 0.0131% | 3,997 |
| Net operating income to assets | 0.7145% | 3,764 |
| Return on assets (ROA) | 0.8567% | 3,136 |
| Pretax return on assets | 1.2940% | 2,272 |
| Return on Equity (ROE) | 7.9137% | 3,145 |
| Retained earnings to average equity (ytd only) | 4.6072% | 3,226 |
| Net charge-offs to loans | -0.0266% | 5,642 |
| Credit loss provision to net charge-offs | -75.8621% | 5,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1867% | 3,802 |
| Assets per employee ($millions) | 4.2334% | 3,404 |
| Cash dividends to net income (ytd only)* | 41.7827% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8403% | 5,888 |
| Loan loss allowance to noncurrent loans | 2,873.4375% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 4,952 |
| Noncurrent loans to loans | 0.0292% | 5,976 |
| Net loans and leases to total assets | 64.8917% | 2,923 |
| Net loans and leases to deposits | 78.2206% | 2,770 |
| Net loans and leases to core deposits | 80.9057% | 3,108 |
| Total domestic deposits to total assets | 82.9598% | 4,318 |
| Equity capital to assets | 10.9604% | 2,917 |
| Core capital (leverage) ratio | 10.4444% | 3,021 |
| Tier 1 risk-based capital ratio | 13.9904% | 4,264 |
| Total risk-based capital ratio | 14.7471% | 4,526 |
| Memoranda: | ||
| Average total assets | $335,251,330 | 1,952 |
| Average earning assets | $309,662,000 | 1,942 |
| Average equity | $36,291,330 | 1,933 |
| Average total loans | $217,764,670 | 1,922 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6348% | 5,053 |
| Cost of funding earning assets | 0.5261% | 2,644 |
| Net interest margin | 3.1087% | 5,223 |
| Noninterest income to average assets | 0.6197% | 2,618 |
| Noninterest expense to average assets | 2.2845% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7918% | 3,192 |
| Return on assets (ROA) | 0.9200% | 2,624 |
| Pretax return on assets | 1.3955% | 1,760 |
| Return on Equity (ROE) | 8.5519% | 2,667 |
| Retained earnings to average equity (ytd only) | 8.5519% | 1,401 |
| Net charge-offs to loans | -0.0018% | 4,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5385% | 4,603 |
| Assets per employee ($millions) | 4.1918% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8421% | 6,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 5,114 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 64.4301% | 2,822 |
| Net loans and leases to deposits | 75.4698% | 2,874 |
| Net loans and leases to core deposits | 78.0467% | 3,198 |
| Total domestic deposits to total assets | 85.3720% | 3,686 |
| Equity capital to assets | 11.1377% | 2,585 |
| Core capital (leverage) ratio | 10.5519% | 2,867 |
| Tier 1 risk-based capital ratio | 14.2665% | 4,155 |
| Total risk-based capital ratio | 15.0185% | 4,450 |
| Memoranda: | ||
| Average total assets | $335,657,500 | 1,952 |
| Average earning assets | $309,452,500 | 1,952 |
| Average equity | $36,109,000 | 1,938 |
| Average total loans | $217,216,000 | 1,918 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8070% | 4,796 |
| Cost of funding earning assets | 0.5794% | 2,841 |
| Net interest margin | 3.2276% | 4,904 |
| Noninterest income to average assets | 0.7302% | 2,376 |
| Noninterest expense to average assets | 2.3663% | 5,175 |
| Loan and lease loss provision to assets | 0.0060% | 5,005 |
| Net operating income to assets | 0.9097% | 2,729 |
| Return on assets (ROA) | 0.9385% | 2,689 |
| Pretax return on assets | 1.3722% | 1,892 |
| Return on Equity (ROE) | 8.7418% | 2,679 |
| Retained earnings to average equity (ytd only) | 5.5323% | 2,258 |
| Net charge-offs to loans | -0.0020% | 5,850 |
| Credit loss provision to net charge-offs | -500.0000% | 6,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9154% | 4,910 |
| Assets per employee ($millions) | 4.3044% | 3,262 |
| Cash dividends to net income (ytd only)* | 36.7150% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 6,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 5,275 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 63.9440% | 3,053 |
| Net loans and leases to deposits | 76.0750% | 2,954 |
| Net loans and leases to core deposits | 78.4258% | 3,306 |
| Total domestic deposits to total assets | 84.0539% | 4,147 |
| Equity capital to assets | 10.3969% | 3,290 |
| Core capital (leverage) ratio | 10.1170% | 3,404 |
| Tier 1 risk-based capital ratio | 13.3570% | 4,742 |
| Total risk-based capital ratio | 14.1507% | 4,992 |
| Memoranda: | ||
| Average total assets | $330,849,400 | 1,949 |
| Average earning assets | $304,649,400 | 1,947 |
| Average equity | $35,518,800 | 1,937 |
| Average total loans | $202,558,600 | 1,985 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8294% | 4,737 |
| Cost of funding earning assets | 0.5864% | 2,934 |
| Net interest margin | 3.2431% | 4,855 |
| Noninterest income to average assets | 0.7023% | 2,593 |
| Noninterest expense to average assets | 2.2788% | 5,409 |
| Loan and lease loss provision to assets | 0.0081% | 4,818 |
| Net operating income to assets | 0.9389% | 2,645 |
| Return on assets (ROA) | 0.9405% | 2,747 |
| Pretax return on assets | 1.4083% | 1,903 |
| Return on Equity (ROE) | 8.6886% | 2,793 |
| Retained earnings to average equity (ytd only) | 6.5446% | 2,106 |
| Net charge-offs to loans | -0.0014% | 5,666 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7089% | 5,176 |
| Assets per employee ($millions) | 4.2431% | 3,346 |
| Cash dividends to net income (ytd only)* | 24.6753% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8875% | 6,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 5,343 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 60.2663% | 3,660 |
| Net loans and leases to deposits | 73.0055% | 3,405 |
| Net loans and leases to core deposits | 75.3987% | 3,685 |
| Total domestic deposits to total assets | 82.5504% | 4,738 |
| Equity capital to assets | 10.7781% | 2,975 |
| Core capital (leverage) ratio | 10.1828% | 3,423 |
| Tier 1 risk-based capital ratio | 14.4743% | 4,087 |
| Total risk-based capital ratio | 15.3284% | 4,319 |
| Memoranda: | ||
| Average total assets | $327,473,500 | 1,979 |
| Average earning assets | $301,969,500 | 1,971 |
| Average equity | $35,448,000 | 1,960 |
| Average total loans | $197,703,000 | 2,016 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8340% | 4,717 |
| Cost of funding earning assets | 0.5881% | 3,049 |
| Net interest margin | 3.2459% | 4,788 |
| Noninterest income to average assets | 0.5902% | 3,250 |
| Noninterest expense to average assets | 2.2966% | 5,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8697% | 2,952 |
| Return on assets (ROA) | 0.8697% | 3,104 |
| Pretax return on assets | 1.2908% | 2,334 |
| Return on Equity (ROE) | 8.0229% | 3,085 |
| Retained earnings to average equity (ytd only) | 4.8002% | 3,185 |
| Net charge-offs to loans | -0.0031% | 5,567 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0185% | 4,869 |
| Assets per employee ($millions) | 4.3772% | 3,039 |
| Cash dividends to net income (ytd only)* | 40.1691% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 6,077 |
| Loan loss allowance to noncurrent loans | 1,289.7810% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 4,692 |
| Noncurrent loans to loans | 0.0714% | 6,179 |
| Net loans and leases to total assets | 58.7224% | 3,867 |
| Net loans and leases to deposits | 68.5135% | 3,933 |
| Net loans and leases to core deposits | 70.7213% | 4,195 |
| Total domestic deposits to total assets | 85.7092% | 3,522 |
| Equity capital to assets | 10.7479% | 3,002 |
| Core capital (leverage) ratio | 10.0094% | 3,500 |
| Tier 1 risk-based capital ratio | 14.4712% | 4,122 |
| Total risk-based capital ratio | 15.3358% | 4,323 |
| Memoranda: | ||
| Average total assets | $326,312,000 | 1,990 |
| Average earning assets | $301,304,000 | 1,981 |
| Average equity | $35,373,670 | 1,966 |
| Average total loans | $196,523,330 | 2,037 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 4,498 |
| Cost of funding earning assets | 0.5945% | 3,158 |
| Net interest margin | 3.2984% | 4,525 |
| Noninterest income to average assets | 0.7157% | 2,504 |
| Noninterest expense to average assets | 2.1581% | 5,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0503% | 2,035 |
| Return on assets (ROA) | 1.0503% | 2,144 |
| Pretax return on assets | 1.5999% | 1,306 |
| Return on Equity (ROE) | 9.6484% | 2,208 |
| Retained earnings to average equity (ytd only) | 9.6484% | 1,200 |
| Net charge-offs to loans | -0.0101% | 5,441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4261% | 5,907 |
| Assets per employee ($millions) | 4.3958% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 6,196 |
| Loan loss allowance to noncurrent loans | 207.1429% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.9902% | 3,948 |
| Noncurrent loans to loans | 0.4471% | 5,303 |
| Net loans and leases to total assets | 59.7961% | 3,465 |
| Net loans and leases to deposits | 70.4337% | 3,404 |
| Net loans and leases to core deposits | 72.8505% | 3,720 |
| Total domestic deposits to total assets | 84.8970% | 4,090 |
| Equity capital to assets | 11.3689% | 2,559 |
| Core capital (leverage) ratio | 10.3558% | 2,958 |
| Tier 1 risk-based capital ratio | 14.7102% | 4,031 |
| Total risk-based capital ratio | 15.5663% | 4,249 |
| Memoranda: | ||
| Average total assets | $327,511,000 | 2,011 |
| Average earning assets | $302,083,500 | 1,995 |
| Average equity | $35,653,500 | 1,979 |
| Average total loans | $198,796,500 | 2,039 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1068% | 4,930 |
| Cost of funding earning assets | 0.7228% | 3,304 |
| Net interest margin | 3.3840% | 4,944 |
| Noninterest income to average assets | 0.9144% | 1,819 |
| Noninterest expense to average assets | 2.3544% | 5,550 |
| Loan and lease loss provision to assets | 0.0492% | 5,202 |
| Net operating income to assets | 1.0657% | 2,068 |
| Return on assets (ROA) | 1.0365% | 2,382 |
| Pretax return on assets | 1.5662% | 1,470 |
| Return on Equity (ROE) | 9.6827% | 2,325 |
| Retained earnings to average equity (ytd only) | 5.9109% | 2,132 |
| Net charge-offs to loans | 0.0011% | 5,978 |
| Credit loss provision to net charge-offs | 7,900.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 2,663.5000% | 10 |
| Efficiency ratio | 58.6541% | 5,742 |
| Assets per employee ($millions) | 4.7680% | 2,548 |
| Cash dividends to net income (ytd only)* | 38.9540% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 6,384 |
| Loan loss allowance to noncurrent loans | 173.2809% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.9668% | 4,091 |
| Noncurrent loans to loans | 0.4928% | 5,301 |
| Net loans and leases to total assets | 60.4999% | 3,517 |
| Net loans and leases to deposits | 73.7832% | 3,133 |
| Net loans and leases to core deposits | 76.2324% | 3,498 |
| Total domestic deposits to total assets | 81.9968% | 5,097 |
| Equity capital to assets | 10.4349% | 3,612 |
| Core capital (leverage) ratio | 9.9087% | 3,529 |
| Tier 1 risk-based capital ratio | 13.3417% | 4,867 |
| Total risk-based capital ratio | 14.1177% | 5,142 |
| Memoranda: | ||
| Average total assets | $320,976,200 | 2,002 |
| Average earning assets | $293,998,400 | 2,010 |
| Average equity | $34,360,400 | 2,015 |
| Average total loans | $190,208,600 | 2,091 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 4,980 |
| Cost of funding earning assets | 0.7453% | 3,386 |
| Net interest margin | 3.4067% | 5,012 |
| Noninterest income to average assets | 0.8545% | 2,006 |
| Noninterest expense to average assets | 2.2898% | 5,712 |
| Loan and lease loss provision to assets | 0.0665% | 4,858 |
| Net operating income to assets | 1.0706% | 2,208 |
| Return on assets (ROA) | 1.0714% | 2,416 |
| Pretax return on assets | 1.6202% | 1,508 |
| Return on Equity (ROE) | 9.9414% | 2,369 |
| Retained earnings to average equity (ytd only) | 7.4091% | 1,893 |
| Net charge-offs to loans | 0.0014% | 5,758 |
| Credit loss provision to net charge-offs | 7,900.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,998.4532% | 14 |
| Efficiency ratio | 57.6014% | 5,844 |
| Assets per employee ($millions) | 4.3658% | 3,137 |
| Cash dividends to net income (ytd only)* | 25.4717% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 6,298 |
| Loan loss allowance to noncurrent loans | 177.8226% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 1.1425% | 4,003 |
| Noncurrent loans to loans | 0.5234% | 5,395 |
| Net loans and leases to total assets | 58.9157% | 3,971 |
| Net loans and leases to deposits | 69.2400% | 3,995 |
| Net loans and leases to core deposits | 71.9395% | 4,260 |
| Total domestic deposits to total assets | 85.0892% | 3,708 |
| Equity capital to assets | 11.0524% | 3,206 |
| Core capital (leverage) ratio | 10.0662% | 3,448 |
| Tier 1 risk-based capital ratio | 14.5713% | 4,135 |
| Total risk-based capital ratio | 15.4013% | 4,378 |
| Memoranda: | ||
| Average total assets | $316,588,250 | 2,054 |
| Average earning assets | $290,007,250 | 2,062 |
| Average equity | $34,119,250 | 2,045 |
| Average total loans | $186,117,500 | 2,146 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1548% | 5,113 |
| Cost of funding earning assets | 0.7609% | 3,511 |
| Net interest margin | 3.3939% | 5,111 |
| Noninterest income to average assets | 0.7927% | 2,224 |
| Noninterest expense to average assets | 2.3692% | 5,567 |
| Loan and lease loss provision to assets | 0.1000% | 4,279 |
| Net operating income to assets | 0.9573% | 2,627 |
| Return on assets (ROA) | 0.9586% | 2,868 |
| Pretax return on assets | 1.4290% | 2,092 |
| Return on Equity (ROE) | 8.9716% | 2,828 |
| Retained earnings to average equity (ytd only) | 5.1317% | 3,198 |
| Net charge-offs to loans | 0.0043% | 5,447 |
| Credit loss provision to net charge-offs | 3,950.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 603.0000% | 63 |
| Efficiency ratio | 60.8060% | 5,450 |
| Assets per employee ($millions) | 4.4822% | 2,935 |
| Cash dividends to net income (ytd only)* | 42.8005% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 6,378 |
| Loan loss allowance to noncurrent loans | 177.8002% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.9864% | 4,403 |
| Noncurrent loans to loans | 0.5242% | 5,471 |
| Net loans and leases to total assets | 58.8544% | 4,010 |
| Net loans and leases to deposits | 68.7196% | 4,085 |
| Net loans and leases to core deposits | 71.4221% | 4,364 |
| Total domestic deposits to total assets | 85.6443% | 3,540 |
| Equity capital to assets | 10.7203% | 3,433 |
| Core capital (leverage) ratio | 9.6682% | 3,894 |
| Tier 1 risk-based capital ratio | 14.0812% | 4,379 |
| Total risk-based capital ratio | 14.9086% | 4,669 |
| Memoranda: | ||
| Average total assets | $315,884,000 | 2,053 |
| Average earning assets | $288,868,330 | 2,063 |
| Average equity | $33,751,000 | 2,052 |
| Average total loans | $184,980,330 | 2,161 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1817% | 5,172 |
| Cost of funding earning assets | 0.7966% | 3,501 |
| Net interest margin | 3.3851% | 5,178 |
| Noninterest income to average assets | 0.9050% | 1,727 |
| Noninterest expense to average assets | 2.2408% | 5,932 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1462% | 1,894 |
| Return on assets (ROA) | 1.1579% | 2,038 |
| Pretax return on assets | 1.7553% | 1,185 |
| Return on Equity (ROE) | 10.8554% | 2,085 |
| Retained earnings to average equity (ytd only) | 10.8554% | 1,071 |
| Net charge-offs to loans | 0.0022% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1,367.0000% | 10 |
| Efficiency ratio | 56.3259% | 6,089 |
| Assets per employee ($millions) | 4.5033% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8802% | 6,585 |
| Loan loss allowance to noncurrent loans | 139.8607% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 1.2587% | 4,038 |
| Noncurrent loans to loans | 0.6294% | 5,385 |
| Net loans and leases to total assets | 57.4040% | 4,145 |
| Net loans and leases to deposits | 68.5127% | 3,971 |
| Net loans and leases to core deposits | 70.9393% | 4,299 |
| Total domestic deposits to total assets | 83.7860% | 4,602 |
| Equity capital to assets | 10.7676% | 3,188 |
| Core capital (leverage) ratio | 9.9584% | 3,413 |
| Tier 1 risk-based capital ratio | 14.3421% | 4,213 |
| Total risk-based capital ratio | 15.1100% | 4,540 |
| Memoranda: | ||
| Average total assets | $314,708,000 | 2,062 |
| Average earning assets | $285,724,500 | 2,093 |
| Average equity | $33,568,500 | 2,065 |
| Average total loans | $182,941,500 | 2,196 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4067% | 5,393 |
| Cost of funding earning assets | 0.9831% | 3,490 |
| Net interest margin | 3.4236% | 5,412 |
| Noninterest income to average assets | 0.6840% | 2,694 |
| Noninterest expense to average assets | 2.5207% | 5,400 |
| Loan and lease loss provision to assets | 0.0307% | 6,185 |
| Net operating income to assets | 0.8524% | 2,807 |
| Return on assets (ROA) | 0.8719% | 2,871 |
| Pretax return on assets | 1.2769% | 2,213 |
| Return on Equity (ROE) | 8.2033% | 2,808 |
| Retained earnings to average equity (ytd only) | 4.9245% | 2,696 |
| Net charge-offs to loans | 0.1037% | 5,321 |
| Credit loss provision to net charge-offs | 51.3966% | 5,395 |
| Earnings coverage of net charge-offs (x) | 21.4022% | 1,096 |
| Efficiency ratio | 66.3416% | 4,695 |
| Assets per employee ($millions) | 4.4251% | 3,027 |
| Cash dividends to net income (ytd only)* | 39.9694% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 6,586 |
| Loan loss allowance to noncurrent loans | 159.8410% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 4,070 |
| Noncurrent loans to loans | 0.5488% | 5,620 |
| Net loans and leases to total assets | 57.8362% | 4,396 |
| Net loans and leases to deposits | 67.4407% | 4,522 |
| Net loans and leases to core deposits | 69.8421% | 4,795 |
| Total domestic deposits to total assets | 85.7586% | 3,455 |
| Equity capital to assets | 10.5652% | 3,456 |
| Core capital (leverage) ratio | 9.8408% | 3,529 |
| Tier 1 risk-based capital ratio | 13.8307% | 4,460 |
| Total risk-based capital ratio | 14.5948% | 4,782 |
| Memoranda: | ||
| Average total assets | $299,562,200 | 2,139 |
| Average earning assets | $272,609,400 | 2,151 |
| Average equity | $31,841,000 | 2,084 |
| Average total loans | $172,643,200 | 2,348 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 5,468 |
| Cost of funding earning assets | 1.0241% | 3,515 |
| Net interest margin | 3.4134% | 5,531 |
| Noninterest income to average assets | 0.7353% | 2,386 |
| Noninterest expense to average assets | 2.4759% | 5,543 |
| Loan and lease loss provision to assets | 0.0415% | 5,917 |
| Net operating income to assets | 0.9076% | 2,712 |
| Return on assets (ROA) | 0.9223% | 2,800 |
| Pretax return on assets | 1.3590% | 2,088 |
| Return on Equity (ROE) | 8.6636% | 2,761 |
| Retained earnings to average equity (ytd only) | 6.4543% | 2,260 |
| Net charge-offs to loans | 0.0345% | 5,666 |
| Credit loss provision to net charge-offs | 209.0909% | 1,390 |
| Earnings coverage of net charge-offs (x) | 69.5398% | 475 |
| Efficiency ratio | 64.2314% | 5,027 |
| Assets per employee ($millions) | 4.1196% | 3,602 |
| Cash dividends to net income (ytd only)* | 25.5006% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 6,180 |
| Loan loss allowance to noncurrent loans | 145.8577% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 1.6527% | 3,607 |
| Noncurrent loans to loans | 0.6974% | 5,490 |
| Net loans and leases to total assets | 57.1817% | 4,649 |
| Net loans and leases to deposits | 67.8579% | 4,634 |
| Net loans and leases to core deposits | 70.4657% | 4,895 |
| Total domestic deposits to total assets | 84.2668% | 4,114 |
| Equity capital to assets | 11.1834% | 2,976 |
| Core capital (leverage) ratio | 10.0511% | 3,369 |
| Tier 1 risk-based capital ratio | 14.8491% | 3,756 |
| Total risk-based capital ratio | 15.7383% | 3,959 |
| Memoranda: | ||
| Average total assets | $295,907,250 | 2,166 |
| Average earning assets | $270,420,750 | 2,172 |
| Average equity | $31,502,750 | 2,106 |
| Average total loans | $169,974,250 | 2,393 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 5,431 |
| Cost of funding earning assets | 1.0505% | 3,599 |
| Net interest margin | 3.4261% | 5,458 |
| Noninterest income to average assets | 0.8388% | 1,845 |
| Noninterest expense to average assets | 2.4825% | 5,605 |
| Loan and lease loss provision to assets | 0.0622% | 5,525 |
| Net operating income to assets | 0.9591% | 2,399 |
| Return on assets (ROA) | 0.9808% | 2,409 |
| Pretax return on assets | 1.4570% | 1,648 |
| Return on Equity (ROE) | 9.3710% | 2,354 |
| Retained earnings to average equity (ytd only) | 5.9974% | 2,435 |
| Net charge-offs to loans | 0.0519% | 5,131 |
| Credit loss provision to net charge-offs | 209.0909% | 1,438 |
| Earnings coverage of net charge-offs (x) | 49.9545% | 625 |
| Efficiency ratio | 62.5426% | 5,493 |
| Assets per employee ($millions) | 4.0585% | 3,633 |
| Cash dividends to net income (ytd only)* | 36.0000% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 6,221 |
| Loan loss allowance to noncurrent loans | 171.7241% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 1.7565% | 3,564 |
| Noncurrent loans to loans | 0.5990% | 5,723 |
| Net loans and leases to total assets | 56.6073% | 4,884 |
| Net loans and leases to deposits | 66.4124% | 4,937 |
| Net loans and leases to core deposits | 69.5047% | 5,122 |
| Total domestic deposits to total assets | 85.2359% | 3,767 |
| Equity capital to assets | 10.8079% | 3,170 |
| Core capital (leverage) ratio | 9.8132% | 3,501 |
| Tier 1 risk-based capital ratio | 14.7361% | 3,653 |
| Total risk-based capital ratio | 15.6436% | 3,843 |
| Memoranda: | ||
| Average total assets | $295,673,330 | 2,175 |
| Average earning assets | $270,162,000 | 2,179 |
| Average equity | $30,946,670 | 2,129 |
| Average total loans | $169,516,000 | 2,417 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5016% | 5,334 |
| Cost of funding earning assets | 1.0790% | 3,660 |
| Net interest margin | 3.4226% | 5,336 |
| Noninterest income to average assets | 0.7516% | 2,249 |
| Noninterest expense to average assets | 2.4606% | 5,703 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9533% | 2,342 |
| Return on assets (ROA) | 0.9669% | 2,354 |
| Pretax return on assets | 1.4341% | 1,638 |
| Return on Equity (ROE) | 9.3918% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.3918% | 1,268 |
| Net charge-offs to loans | 0.1062% | 3,896 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 23.2000% | 1,027 |
| Efficiency ratio | 63.5093% | 5,440 |
| Assets per employee ($millions) | 3.9552% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 6,427 |
| Loan loss allowance to noncurrent loans | 165,000.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 1.5183% | 3,975 |
| Noncurrent loans to loans | 0.0006% | 7,093 |
| Net loans and leases to total assets | 56.3081% | 4,945 |
| Net loans and leases to deposits | 65.8456% | 4,995 |
| Net loans and leases to core deposits | 69.0092% | 5,167 |
| Total domestic deposits to total assets | 85.5153% | 3,777 |
| Equity capital to assets | 10.5744% | 3,103 |
| Core capital (leverage) ratio | 9.5944% | 3,668 |
| Tier 1 risk-based capital ratio | 14.6335% | 3,653 |
| Total risk-based capital ratio | 15.4869% | 3,885 |
| Memoranda: | ||
| Average total assets | $295,373,500 | 2,191 |
| Average earning assets | $269,501,500 | 2,203 |
| Average equity | $30,409,500 | 2,154 |
| Average total loans | $169,546,500 | 2,439 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9470% | 4,799 |
| Cost of funding earning assets | 1.3318% | 3,679 |
| Net interest margin | 3.6153% | 4,741 |
| Noninterest income to average assets | 0.6677% | 3,036 |
| Noninterest expense to average assets | 2.7240% | 4,881 |
| Loan and lease loss provision to assets | 0.1693% | 5,532 |
| Net operating income to assets | 0.7319% | 3,091 |
| Return on assets (ROA) | 0.7410% | 3,166 |
| Pretax return on assets | 1.0531% | 2,762 |
| Return on Equity (ROE) | 6.9671% | 3,139 |
| Retained earnings to average equity (ytd only) | 3.6700% | 3,288 |
| Net charge-offs to loans | 0.2904% | 4,568 |
| Credit loss provision to net charge-offs | 96.7611% | 4,802 |
| Earnings coverage of net charge-offs (x) | 6.9109% | 2,243 |
| Efficiency ratio | 69.2543% | 4,326 |
| Assets per employee ($millions) | 4.1397% | 3,496 |
| Cash dividends to net income (ytd only)* | 47.3231% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 6,451 |
| Loan loss allowance to noncurrent loans | 2,690.4762% | 166 |
| Noncurrent assets plus other real estate owned to assets | 1.5195% | 4,035 |
| Noncurrent loans to loans | 0.0365% | 7,037 |
| Net loans and leases to total assets | 57.3514% | 5,134 |
| Net loans and leases to deposits | 66.8378% | 5,287 |
| Net loans and leases to core deposits | 70.5586% | 5,391 |
| Total domestic deposits to total assets | 85.8068% | 3,450 |
| Equity capital to assets | 10.0212% | 3,721 |
| Core capital (leverage) ratio | 9.2908% | 4,021 |
| Tier 1 risk-based capital ratio | 13.7414% | 4,026 |
| Total risk-based capital ratio | 14.5882% | 4,305 |
| Memoranda: | ||
| Average total assets | $282,305,400 | 2,272 |
| Average earning assets | $255,002,800 | 2,298 |
| Average equity | $30,027,000 | 2,172 |
| Average total loans | $170,108,200 | 2,472 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9984% | 4,819 |
| Cost of funding earning assets | 1.3880% | 3,648 |
| Net interest margin | 3.6104% | 4,825 |
| Noninterest income to average assets | 1.0178% | 1,420 |
| Noninterest expense to average assets | 2.6214% | 5,240 |
| Loan and lease loss provision to assets | 0.2289% | 4,786 |
| Net operating income to assets | 0.9560% | 2,391 |
| Return on assets (ROA) | 0.9560% | 2,516 |
| Pretax return on assets | 1.4230% | 1,814 |
| Return on Equity (ROE) | 8.8513% | 2,539 |
| Retained earnings to average equity (ytd only) | 6.6562% | 2,011 |
| Net charge-offs to loans | 0.2777% | 4,279 |
| Credit loss provision to net charge-offs | 135.4108% | 2,970 |
| Earnings coverage of net charge-offs (x) | 9.7706% | 1,965 |
| Efficiency ratio | 61.3427% | 5,733 |
| Assets per employee ($millions) | 4.0518% | 3,733 |
| Cash dividends to net income (ytd only)* | 24.7994% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 5,877 |
| Loan loss allowance to noncurrent loans | 857.9439% | 416 |
| Noncurrent assets plus other real estate owned to assets | 2.0072% | 3,459 |
| Noncurrent loans to loans | 0.1300% | 6,917 |
| Net loans and leases to total assets | 55.0467% | 5,690 |
| Net loans and leases to deposits | 64.5136% | 5,849 |
| Net loans and leases to core deposits | 68.6413% | 5,882 |
| Total domestic deposits to total assets | 85.3258% | 3,450 |
| Equity capital to assets | 10.6912% | 3,295 |
| Core capital (leverage) ratio | 9.7467% | 3,559 |
| Tier 1 risk-based capital ratio | 14.5659% | 3,474 |
| Total risk-based capital ratio | 15.5248% | 3,607 |
| Memoranda: | ||
| Average total assets | $278,367,000 | 2,330 |
| Average earning assets | $251,006,500 | 2,363 |
| Average equity | $30,066,500 | 2,191 |
| Average total loans | $169,476,250 | 2,520 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0857% | 4,531 |
| Cost of funding earning assets | 1.4070% | 3,832 |
| Net interest margin | 3.6787% | 4,460 |
| Noninterest income to average assets | 1.0765% | 1,159 |
| Noninterest expense to average assets | 2.6218% | 5,243 |
| Loan and lease loss provision to assets | 0.3507% | 3,618 |
| Net operating income to assets | 0.9488% | 2,372 |
| Return on assets (ROA) | 0.9488% | 2,462 |
| Pretax return on assets | 1.4096% | 1,817 |
| Return on Equity (ROE) | 8.7520% | 2,564 |
| Retained earnings to average equity (ytd only) | 5.4014% | 2,677 |
| Net charge-offs to loans | 0.4068% | 3,358 |
| Credit loss provision to net charge-offs | 137.3563% | 2,919 |
| Earnings coverage of net charge-offs (x) | 6.8937% | 2,390 |
| Efficiency ratio | 59.8292% | 6,073 |
| Assets per employee ($millions) | 3.9124% | 3,941 |
| Cash dividends to net income (ytd only)* | 38.2831% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 5,983 |
| Loan loss allowance to noncurrent loans | 1,373.8806% | 260 |
| Noncurrent assets plus other real estate owned to assets | 2.1308% | 3,337 |
| Noncurrent loans to loans | 0.0795% | 7,110 |
| Net loans and leases to total assets | 60.0165% | 5,054 |
| Net loans and leases to deposits | 71.2759% | 5,108 |
| Net loans and leases to core deposits | 75.5005% | 5,251 |
| Total domestic deposits to total assets | 84.2031% | 4,011 |
| Equity capital to assets | 10.8531% | 3,021 |
| Core capital (leverage) ratio | 10.1723% | 2,971 |
| Tier 1 risk-based capital ratio | 14.2254% | 3,592 |
| Total risk-based capital ratio | 15.1886% | 3,737 |
| Memoranda: | ||
| Average total assets | $272,561,000 | 2,391 |
| Average earning assets | $244,922,000 | 2,442 |
| Average equity | $29,547,670 | 2,221 |
| Average total loans | $171,083,000 | 2,523 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1096% | 4,484 |
| Cost of funding earning assets | 1.4111% | 4,107 |
| Net interest margin | 3.6985% | 4,254 |
| Noninterest income to average assets | 0.9231% | 1,544 |
| Noninterest expense to average assets | 2.6197% | 5,268 |
| Loan and lease loss provision to assets | 0.3927% | 3,016 |
| Net operating income to assets | 0.8357% | 2,812 |
| Return on assets (ROA) | 0.8357% | 2,910 |
| Pretax return on assets | 1.2313% | 2,259 |
| Return on Equity (ROE) | 7.7135% | 3,018 |
| Retained earnings to average equity (ytd only) | 7.7135% | 1,832 |
| Net charge-offs to loans | 0.0023% | 5,592 |
| Credit loss provision to net charge-offs | 26,500.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 1,096.0000% | 15 |
| Efficiency ratio | 61.7318% | 5,882 |
| Assets per employee ($millions) | 3.8407% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 5,719 |
| Loan loss allowance to noncurrent loans | 313.9905% | 958 |
| Noncurrent assets plus other real estate owned to assets | 2.3917% | 3,039 |
| Noncurrent loans to loans | 0.3691% | 6,561 |
| Net loans and leases to total assets | 62.6554% | 4,627 |
| Net loans and leases to deposits | 74.9208% | 4,601 |
| Net loans and leases to core deposits | 79.6393% | 4,808 |
| Total domestic deposits to total assets | 83.6288% | 4,329 |
| Equity capital to assets | 11.0162% | 2,743 |
| Core capital (leverage) ratio | 10.2582% | 2,863 |
| Tier 1 risk-based capital ratio | 13.9676% | 3,674 |
| Total risk-based capital ratio | 14.9903% | 3,792 |
| Memoranda: | ||
| Average total assets | $269,950,500 | 2,472 |
| Average earning assets | $242,366,500 | 2,514 |
| Average equity | $29,247,500 | 2,268 |
| Average total loans | $172,346,500 | 2,577 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4928% | 4,181 |
| Cost of funding earning assets | 1.6961% | 4,532 |
| Net interest margin | 3.7967% | 3,720 |
| Noninterest income to average assets | 0.8696% | 2,078 |
| Noninterest expense to average assets | 2.8530% | 4,732 |
| Loan and lease loss provision to assets | 0.3415% | 4,750 |
| Net operating income to assets | 0.7453% | 2,744 |
| Return on assets (ROA) | 0.7499% | 2,815 |
| Pretax return on assets | 1.1220% | 2,183 |
| Return on Equity (ROE) | 7.0149% | 2,779 |
| Retained earnings to average equity (ytd only) | 4.1948% | 2,284 |
| Net charge-offs to loans | 0.7446% | 2,965 |
| Credit loss provision to net charge-offs | 69.0604% | 6,508 |
| Earnings coverage of net charge-offs (x) | 2.9458% | 3,607 |
| Efficiency ratio | 66.1992% | 5,358 |
| Assets per employee ($millions) | 3.9283% | 3,959 |
| Cash dividends to net income (ytd only)* | 40.2015% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 6,480 |
| Loan loss allowance to noncurrent loans | 119.4832% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 2.7036% | 2,590 |
| Noncurrent loans to loans | 0.8217% | 5,647 |
| Net loans and leases to total assets | 63.6626% | 4,665 |
| Net loans and leases to deposits | 75.7195% | 4,792 |
| Net loans and leases to core deposits | 83.3525% | 5,786 |
| Total domestic deposits to total assets | 84.0768% | 3,995 |
| Equity capital to assets | 10.6541% | 3,015 |
| Core capital (leverage) ratio | 9.8494% | 3,269 |
| Tier 1 risk-based capital ratio | 13.5127% | 3,811 |
| Total risk-based capital ratio | 14.3879% | 4,000 |
| Memoranda: | ||
| Average total assets | $264,707,000 | 2,473 |
| Average earning assets | $239,842,600 | 2,500 |
| Average equity | $28,296,800 | 2,348 |
| Average total loans | $175,805,200 | 2,564 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5633% | 4,078 |
| Cost of funding earning assets | 1.7302% | 4,742 |
| Net interest margin | 3.8331% | 3,511 |
| Noninterest income to average assets | 0.8057% | 2,398 |
| Noninterest expense to average assets | 2.7789% | 4,981 |
| Loan and lease loss provision to assets | 0.2265% | 5,160 |
| Net operating income to assets | 0.8766% | 2,512 |
| Return on assets (ROA) | 0.8787% | 2,579 |
| Pretax return on assets | 1.2901% | 1,978 |
| Return on Equity (ROE) | 8.2125% | 2,554 |
| Retained earnings to average equity (ytd only) | 6.3228% | 1,807 |
| Net charge-offs to loans | 0.4775% | 3,317 |
| Credit loss provision to net charge-offs | 70.8399% | 5,970 |
| Earnings coverage of net charge-offs (x) | 4.7338% | 3,028 |
| Efficiency ratio | 64.7385% | 5,605 |
| Assets per employee ($millions) | 3.7029% | 4,418 |
| Cash dividends to net income (ytd only)* | 23.0105% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 5,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3274% | 4,431 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 64.1370% | 4,839 |
| Net loans and leases to deposits | 77.2894% | 4,845 |
| Net loans and leases to core deposits | 86.1123% | 5,855 |
| Total domestic deposits to total assets | 82.9829% | 4,229 |
| Equity capital to assets | 10.9565% | 3,055 |
| Core capital (leverage) ratio | 10.1407% | 3,129 |
| Tier 1 risk-based capital ratio | 13.9594% | 3,572 |
| Total risk-based capital ratio | 14.9728% | 3,649 |
| Memoranda: | ||
| Average total assets | $263,121,000 | 2,501 |
| Average earning assets | $239,349,750 | 2,523 |
| Average equity | $28,151,500 | 2,381 |
| Average total loans | $176,189,250 | 2,590 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6682% | 3,725 |
| Cost of funding earning assets | 1.7530% | 4,992 |
| Net interest margin | 3.9151% | 3,041 |
| Noninterest income to average assets | 0.7925% | 2,448 |
| Noninterest expense to average assets | 2.8043% | 4,943 |
| Loan and lease loss provision to assets | 0.2619% | 4,478 |
| Net operating income to assets | 0.8809% | 2,533 |
| Return on assets (ROA) | 0.8841% | 2,622 |
| Pretax return on assets | 1.2895% | 2,054 |
| Return on Equity (ROE) | 8.3314% | 2,641 |
| Retained earnings to average equity (ytd only) | 5.4608% | 2,264 |
| Net charge-offs to loans | 0.3982% | 3,207 |
| Credit loss provision to net charge-offs | 97.1671% | 4,699 |
| Earnings coverage of net charge-offs (x) | 5.7394% | 2,771 |
| Efficiency ratio | 64.4499% | 5,815 |
| Assets per employee ($millions) | 3.7558% | 4,203 |
| Cash dividends to net income (ytd only)* | 34.4560% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 4,953 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 1.7467% | 3,559 |
| Noncurrent loans to loans | 0.9989% | 5,208 |
| Net loans and leases to total assets | 66.0293% | 4,558 |
| Net loans and leases to deposits | 78.9723% | 4,709 |
| Net loans and leases to core deposits | 87.7947% | 5,743 |
| Total domestic deposits to total assets | 83.6107% | 3,959 |
| Equity capital to assets | 10.6541% | 3,246 |
| Core capital (leverage) ratio | 10.0344% | 3,259 |
| Tier 1 risk-based capital ratio | 13.3798% | 3,878 |
| Total risk-based capital ratio | 14.4651% | 3,909 |
| Memoranda: | ||
| Average total assets | $261,958,330 | 2,520 |
| Average earning assets | $238,101,670 | 2,536 |
| Average equity | $27,798,330 | 2,417 |
| Average total loans | $177,276,670 | 2,613 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7445% | 3,562 |
| Cost of funding earning assets | 1.8048% | 5,094 |
| Net interest margin | 3.9397% | 2,886 |
| Noninterest income to average assets | 0.8429% | 2,112 |
| Noninterest expense to average assets | 2.6342% | 5,303 |
| Loan and lease loss provision to assets | 0.2983% | 3,562 |
| Net operating income to assets | 1.0066% | 2,282 |
| Return on assets (ROA) | 1.0066% | 2,424 |
| Pretax return on assets | 1.4899% | 1,697 |
| Return on Equity (ROE) | 9.5044% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.5044% | 1,337 |
| Net charge-offs to loans | 0.6649% | 1,850 |
| Credit loss provision to net charge-offs | 65.8784% | 4,421 |
| Earnings coverage of net charge-offs (x) | 3.9493% | 3,018 |
| Efficiency ratio | 59.5642% | 6,465 |
| Assets per employee ($millions) | 3.6387% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 5,022 |
| Loan loss allowance to noncurrent loans | 141.7018% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 1.5142% | 3,662 |
| Noncurrent loans to loans | 0.8215% | 5,392 |
| Net loans and leases to total assets | 66.2224% | 4,530 |
| Net loans and leases to deposits | 79.5877% | 4,678 |
| Net loans and leases to core deposits | 88.3498% | 5,702 |
| Total domestic deposits to total assets | 83.2068% | 4,044 |
| Equity capital to assets | 10.8961% | 3,078 |
| Core capital (leverage) ratio | 10.0917% | 3,299 |
| Tier 1 risk-based capital ratio | 13.7194% | 3,730 |
| Total risk-based capital ratio | 14.7889% | 3,763 |
| Memoranda: | ||
| Average total assets | $261,486,000 | 2,535 |
| Average earning assets | $237,583,000 | 2,553 |
| Average equity | $27,692,500 | 2,440 |
| Average total loans | $178,065,500 | 2,618 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3039% | 3,942 |
| Cost of funding earning assets | 2.3940% | 4,740 |
| Net interest margin | 3.9099% | 3,514 |
| Noninterest income to average assets | 1.0894% | 1,326 |
| Noninterest expense to average assets | 2.5089% | 5,967 |
| Loan and lease loss provision to assets | 0.2287% | 4,605 |
| Net operating income to assets | 1.3793% | 1,278 |
| Return on assets (ROA) | 0.8477% | 3,066 |
| Pretax return on assets | 1.1641% | 2,794 |
| Return on Equity (ROE) | 7.9984% | 3,075 |
| Retained earnings to average equity (ytd only) | 3.1037% | 3,224 |
| Net charge-offs to loans | 0.4151% | 2,738 |
| Credit loss provision to net charge-offs | 78.9688% | 5,921 |
| Earnings coverage of net charge-offs (x) | 7.3229% | 3,143 |
| Efficiency ratio | 54.1889% | 7,250 |
| Assets per employee ($millions) | 3.7803% | 3,999 |
| Cash dividends to net income (ytd only)* | 61.1961% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 4,873 |
| Loan loss allowance to noncurrent loans | 89.3204% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.0237% | 4,268 |
| Noncurrent loans to loans | 1.2943% | 3,927 |
| Net loans and leases to total assets | 68.3671% | 4,397 |
| Net loans and leases to deposits | 82.7010% | 4,622 |
| Net loans and leases to core deposits | 93.4947% | 5,494 |
| Total domestic deposits to total assets | 82.6678% | 3,913 |
| Equity capital to assets | 10.2920% | 3,724 |
| Core capital (leverage) ratio | 9.7242% | 3,739 |
| Tier 1 risk-based capital ratio | 12.1464% | 4,707 |
| Total risk-based capital ratio | 13.1669% | 4,785 |
| Memoranda: | ||
| Average total assets | $254,452,800 | 2,517 |
| Average earning assets | $230,413,000 | 2,551 |
| Average equity | $26,967,800 | 2,480 |
| Average total loans | $177,557,600 | 2,530 |