Home > Citizens Bank of Americus > Performance and Condition Ratios
Citizens Bank of Americus, 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 | 5.0730% | 1,914 |
| Cost of funding earning assets | 1.4405% | 2,104 |
| Net interest margin | 3.6325% | 1,894 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.1118% | 3,380 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.4447% | 1,126 |
| Return on assets (ROA) | 1.4447% | 1,096 |
| Pretax return on assets | 1.8198% | 865 |
| Return on Equity (ROE) | 20.2100% | 597 |
| Retained earnings to average equity (ytd only) | 11.1668% | 756 |
| Net charge-offs to loans | 0.0104% | 2,260 |
| Credit loss provision to net charge-offs | 312.5000% | 925 |
| Earnings coverage of net charge-offs (x) | 328.4167% | 409 |
| Efficiency ratio | 53.4766% | 3,712 |
| Assets per employee ($millions) | 10.1197% | 684 |
| Cash dividends to net income (ytd only)* | 44.7564% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7495% | 594 |
| Loan loss allowance to noncurrent loans | 1,583.4586% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,177 |
| Noncurrent loans to loans | 0.1105% | 2,980 |
| Net loans and leases to total assets | 53.1200% | 3,408 |
| Net loans and leases to deposits | 58.6415% | 3,602 |
| Net loans and leases to core deposits | 61.3178% | 3,711 |
| Total domestic deposits to total assets | 90.5900% | 607 |
| Equity capital to assets | 7.6220% | 3,649 |
| Core capital (leverage) ratio | 9.6778% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7045% | 1,137 |
| Memoranda: | ||
| Average total assets | $429,009,800 | 1,925 |
| Average earning assets | $409,364,000 | 1,881 |
| Average equity | $30,662,200 | 2,236 |
| Average total loans | $231,706,000 | 2,091 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 1,901 |
| Cost of funding earning assets | 1.3290% | 2,065 |
| Net interest margin | 3.6359% | 1,913 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.1238% | 3,288 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.4351% | 1,241 |
| Return on assets (ROA) | 1.4351% | 1,225 |
| Pretax return on assets | 1.8214% | 978 |
| Return on Equity (ROE) | 20.4400% | 685 |
| Retained earnings to average equity (ytd only) | 11.1424% | 1,138 |
| Net charge-offs to loans | 0.0116% | 1,974 |
| Credit loss provision to net charge-offs | 375.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 294.0000% | 457 |
| Efficiency ratio | 53.5141% | 3,624 |
| Assets per employee ($millions) | 9.5327% | 783 |
| Cash dividends to net income (ytd only)* | 45.4744% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7439% | 644 |
| Loan loss allowance to noncurrent loans | 1,038.4236% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 2,931 |
| Noncurrent loans to loans | 0.1679% | 2,696 |
| Net loans and leases to total assets | 56.6300% | 3,144 |
| Net loans and leases to deposits | 62.3450% | 3,382 |
| Net loans and leases to core deposits | 65.1132% | 3,475 |
| Total domestic deposits to total assets | 90.8400% | 709 |
| Equity capital to assets | 7.1648% | 3,530 |
| Core capital (leverage) ratio | 9.5664% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1095% | 1,292 |
| Memoranda: | ||
| Average total assets | $424,946,000 | 1,936 |
| Average earning assets | $405,203,500 | 1,889 |
| Average equity | $29,843,250 | 2,257 |
| Average total loans | $229,445,250 | 2,103 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7909% | 2,013 |
| Cost of funding earning assets | 1.1571% | 2,115 |
| Net interest margin | 3.6338% | 1,965 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.1224% | 3,288 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.3848% | 1,370 |
| Return on assets (ROA) | 1.3848% | 1,346 |
| Pretax return on assets | 1.7672% | 1,082 |
| Return on Equity (ROE) | 19.8500% | 721 |
| Retained earnings to average equity (ytd only) | 10.5328% | 1,270 |
| Net charge-offs to loans | 0.0080% | 1,919 |
| Credit loss provision to net charge-offs | 833.3333% | 463 |
| Earnings coverage of net charge-offs (x) | 427.3333% | 343 |
| Efficiency ratio | 54.0776% | 3,601 |
| Assets per employee ($millions) | 9.2534% | 835 |
| Cash dividends to net income (ytd only)* | 46.9374% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7992% | 614 |
| Loan loss allowance to noncurrent loans | 872.1649% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 2,717 |
| Noncurrent loans to loans | 0.2063% | 2,435 |
| Net loans and leases to total assets | 55.4400% | 3,156 |
| Net loans and leases to deposits | 61.1360% | 3,357 |
| Net loans and leases to core deposits | 63.4559% | 3,476 |
| Total domestic deposits to total assets | 90.6900% | 732 |
| Equity capital to assets | 7.3741% | 3,592 |
| Core capital (leverage) ratio | 9.4213% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2658% | 1,267 |
| Memoranda: | ||
| Average total assets | $426,781,333 | 1,929 |
| Average earning assets | $407,232,000 | 1,887 |
| Average equity | $29,773,667 | 2,269 |
| Average total loans | $225,341,667 | 2,122 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5914% | 2,107 |
| Cost of funding earning assets | 0.9786% | 2,121 |
| Net interest margin | 3.6128% | 2,096 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.0816% | 3,423 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.3714% | 1,485 |
| Return on assets (ROA) | 1.3714% | 1,455 |
| Pretax return on assets | 1.7492% | 1,174 |
| Return on Equity (ROE) | 20.2100% | 737 |
| Retained earnings to average equity (ytd only) | 10.7549% | 1,525 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.3713% | 3,666 |
| Assets per employee ($millions) | 9.6495% | 767 |
| Cash dividends to net income (ytd only)* | 46.7927% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8834% | 564 |
| Loan loss allowance to noncurrent loans | 797.9245% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 2,633 |
| Noncurrent loans to loans | 0.2360% | 2,320 |
| Net loans and leases to total assets | 51.8900% | 3,350 |
| Net loans and leases to deposits | 57.0409% | 3,509 |
| Net loans and leases to core deposits | 58.6898% | 3,598 |
| Total domestic deposits to total assets | 90.9700% | 813 |
| Equity capital to assets | 7.1365% | 3,766 |
| Core capital (leverage) ratio | 9.1813% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4784% | 1,269 |
| Memoranda: | ||
| Average total assets | $431,970,000 | 1,935 |
| Average earning assets | $412,422,500 | 1,895 |
| Average equity | $29,307,500 | 2,317 |
| Average total loans | $220,460,500 | 2,168 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5605% | 2,913 |
| Cost of funding earning assets | 0.3912% | 2,167 |
| Net interest margin | 3.1693% | 2,961 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.9363% | 3,753 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1960% | 1,787 |
| Return on assets (ROA) | 1.1960% | 1,723 |
| Pretax return on assets | 1.5279% | 1,371 |
| Return on Equity (ROE) | 17.2400% | 824 |
| Retained earnings to average equity (ytd only) | 8.9330% | 1,498 |
| Net charge-offs to loans | -0.0043% | 3,602 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.8950% | 3,594 |
| Assets per employee ($millions) | 9.7636% | 728 |
| Cash dividends to net income (ytd only)* | 48.1762% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0700% | 387 |
| Loan loss allowance to noncurrent loans | 802.6882% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 2,638 |
| Noncurrent loans to loans | 0.2579% | 2,239 |
| Net loans and leases to total assets | 48.2300% | 3,655 |
| Net loans and leases to deposits | 52.4744% | 3,768 |
| Net loans and leases to core deposits | 53.4278% | 3,837 |
| Total domestic deposits to total assets | 91.9100% | 666 |
| Equity capital to assets | 6.4446% | 3,919 |
| Core capital (leverage) ratio | 8.9678% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5711% | 1,218 |
| Memoranda: | ||
| Average total assets | $430,930,400 | 1,917 |
| Average earning assets | $412,073,400 | 1,872 |
| Average equity | $29,900,400 | 2,340 |
| Average total loans | $208,563,200 | 2,174 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3527% | 3,040 |
| Cost of funding earning assets | 0.2782% | 2,403 |
| Net interest margin | 3.0745% | 3,007 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.9290% | 3,679 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1143% | 2,032 |
| Return on assets (ROA) | 1.1143% | 1,999 |
| Pretax return on assets | 1.4470% | 1,567 |
| Return on Equity (ROE) | 15.7700% | 1,019 |
| Retained earnings to average equity (ytd only) | 7.8994% | 2,041 |
| Net charge-offs to loans | -0.0071% | 3,589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.1376% | 3,497 |
| Assets per employee ($millions) | 9.1673% | 838 |
| Cash dividends to net income (ytd only)* | 49.9163% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0959% | 413 |
| Loan loss allowance to noncurrent loans | 1,898.7288% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 3,333 |
| Noncurrent loans to loans | 0.1104% | 3,101 |
| Net loans and leases to total assets | 49.6400% | 3,488 |
| Net loans and leases to deposits | 53.9474% | 3,605 |
| Net loans and leases to core deposits | 54.8975% | 3,692 |
| Total domestic deposits to total assets | 92.0100% | 870 |
| Equity capital to assets | 6.1732% | 3,892 |
| Core capital (leverage) ratio | 8.7214% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5872% | 1,264 |
| Memoranda: | ||
| Average total assets | $428,822,750 | 1,936 |
| Average earning assets | $410,208,750 | 1,887 |
| Average equity | $30,296,750 | 2,355 |
| Average total loans | $206,609,000 | 2,193 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1047% | 3,294 |
| Cost of funding earning assets | 0.1797% | 3,186 |
| Net interest margin | 2.9251% | 3,101 |
| Noninterest income to average assets | 0.4202% | 2,627 |
| Noninterest expense to average assets | 1.9045% | 3,692 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0144% | 2,103 |
| Return on assets (ROA) | 1.0144% | 2,073 |
| Pretax return on assets | 1.3173% | 1,690 |
| Return on Equity (ROE) | 13.7901% | 1,169 |
| Retained earnings to average equity (ytd only) | 6.2677% | 2,251 |
| Net charge-offs to loans | -0.0088% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1132% | 3,425 |
| Assets per employee ($millions) | 9.5364% | 745 |
| Cash dividends to net income (ytd only)* | 54.5496% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1488% | 410 |
| Loan loss allowance to noncurrent loans | 1,729.3436% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 3,376 |
| Noncurrent loans to loans | 0.1243% | 3,100 |
| Net loans and leases to total assets | 47.5288% | 3,592 |
| Net loans and leases to deposits | 51.8679% | 3,697 |
| Net loans and leases to core deposits | 52.4812% | 3,789 |
| Total domestic deposits to total assets | 91.6342% | 985 |
| Equity capital to assets | 6.6347% | 3,959 |
| Core capital (leverage) ratio | 8.4750% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5898% | 1,285 |
| Memoranda: | ||
| Average total assets | $431,198,000 | 1,932 |
| Average earning assets | $412,981,333 | 1,903 |
| Average equity | $31,718,333 | 2,327 |
| Average total loans | $204,213,333 | 2,208 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9304% | 3,455 |
| Cost of funding earning assets | 0.1264% | 3,816 |
| Net interest margin | 2.8040% | 3,126 |
| Noninterest income to average assets | 0.3961% | 2,716 |
| Noninterest expense to average assets | 1.8972% | 3,689 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9153% | 2,226 |
| Return on assets (ROA) | 0.9153% | 2,225 |
| Pretax return on assets | 1.1883% | 1,843 |
| Return on Equity (ROE) | 11.8651% | 1,358 |
| Retained earnings to average equity (ytd only) | 4.7148% | 2,701 |
| Net charge-offs to loans | -0.0198% | 3,901 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4877% | 3,328 |
| Assets per employee ($millions) | 9.8353% | 716 |
| Cash dividends to net income (ytd only)* | 60.2629% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2145% | 427 |
| Loan loss allowance to noncurrent loans | 1,623.1884% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 3,190 |
| Noncurrent loans to loans | 0.1364% | 3,129 |
| Net loans and leases to total assets | 45.7129% | 3,607 |
| Net loans and leases to deposits | 50.9068% | 3,654 |
| Net loans and leases to core deposits | 51.5143% | 3,770 |
| Total domestic deposits to total assets | 89.7972% | 1,674 |
| Equity capital to assets | 7.1348% | 4,142 |
| Core capital (leverage) ratio | 8.2938% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6803% | 1,345 |
| Memoranda: | ||
| Average total assets | $432,227,000 | 1,941 |
| Average earning assets | $414,556,000 | 1,903 |
| Average equity | $33,341,500 | 2,315 |
| Average total loans | $202,098,000 | 2,212 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0911% | 3,700 |
| Cost of funding earning assets | 0.1516% | 3,954 |
| Net interest margin | 2.9396% | 3,348 |
| Noninterest income to average assets | 0.4404% | 2,856 |
| Noninterest expense to average assets | 1.8722% | 3,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0885% | 2,340 |
| Return on assets (ROA) | 1.0885% | 2,410 |
| Pretax return on assets | 1.3904% | 2,086 |
| Return on Equity (ROE) | 12.8274% | 1,516 |
| Retained earnings to average equity (ytd only) | 6.5074% | 2,122 |
| Net charge-offs to loans | 0.0169% | 1,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 174.8788% | 592 |
| Efficiency ratio | 57.3844% | 3,536 |
| Assets per employee ($millions) | 9.3848% | 815 |
| Cash dividends to net income (ytd only)* | 49.2696% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2141% | 441 |
| Loan loss allowance to noncurrent loans | 1,870.2929% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 3,380 |
| Noncurrent loans to loans | 0.1184% | 3,341 |
| Net loans and leases to total assets | 45.7312% | 3,715 |
| Net loans and leases to deposits | 51.5613% | 3,762 |
| Net loans and leases to core deposits | 52.1839% | 3,879 |
| Total domestic deposits to total assets | 88.6929% | 1,669 |
| Equity capital to assets | 8.2944% | 4,183 |
| Core capital (leverage) ratio | 8.4399% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9088% | 1,286 |
| Memoranda: | ||
| Average total assets | $415,069,600 | 1,947 |
| Average earning assets | $398,493,200 | 1,913 |
| Average equity | $35,221,600 | 2,279 |
| Average total loans | $195,080,600 | 2,266 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0619% | 3,884 |
| Cost of funding earning assets | 0.1572% | 4,039 |
| Net interest margin | 2.9047% | 3,542 |
| Noninterest income to average assets | 0.4487% | 2,846 |
| Noninterest expense to average assets | 1.8852% | 3,978 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0276% | 2,810 |
| Return on assets (ROA) | 1.0276% | 2,874 |
| Pretax return on assets | 1.3521% | 2,487 |
| Return on Equity (ROE) | 12.0386% | 2,032 |
| Retained earnings to average equity (ytd only) | 6.1808% | 2,751 |
| Net charge-offs to loans | 0.0131% | 1,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 219.3158% | 524 |
| Efficiency ratio | 58.2339% | 3,231 |
| Assets per employee ($millions) | 8.9373% | 910 |
| Cash dividends to net income (ytd only)* | 48.6580% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2161% | 446 |
| Loan loss allowance to noncurrent loans | 1,080.4819% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 3,266 |
| Noncurrent loans to loans | 0.2051% | 3,131 |
| Net loans and leases to total assets | 48.1247% | 3,619 |
| Net loans and leases to deposits | 53.9377% | 3,744 |
| Net loans and leases to core deposits | 54.7053% | 3,870 |
| Total domestic deposits to total assets | 89.2228% | 1,159 |
| Equity capital to assets | 8.7031% | 4,066 |
| Core capital (leverage) ratio | 8.3681% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9568% | 1,361 |
| Memoranda: | ||
| Average total assets | $410,911,750 | 1,969 |
| Average earning assets | $394,475,000 | 1,943 |
| Average equity | $35,075,250 | 2,317 |
| Average total loans | $193,377,750 | 2,317 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9901% | 4,066 |
| Cost of funding earning assets | 0.1612% | 4,109 |
| Net interest margin | 2.8288% | 3,725 |
| Noninterest income to average assets | 0.4157% | 3,033 |
| Noninterest expense to average assets | 1.8849% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9478% | 3,067 |
| Return on assets (ROA) | 0.9478% | 3,151 |
| Pretax return on assets | 1.2467% | 2,780 |
| Return on Equity (ROE) | 11.1767% | 2,361 |
| Retained earnings to average equity (ytd only) | 5.2812% | 3,083 |
| Net charge-offs to loans | 0.0263% | 1,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 102.4400% | 738 |
| Efficiency ratio | 60.1896% | 2,995 |
| Assets per employee ($millions) | 9.2900% | 776 |
| Cash dividends to net income (ytd only)* | 52.7478% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2836% | 377 |
| Loan loss allowance to noncurrent loans | 1,344.7447% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 3,501 |
| Noncurrent loans to loans | 0.1698% | 3,367 |
| Net loans and leases to total assets | 44.8384% | 3,985 |
| Net loans and leases to deposits | 49.9084% | 4,119 |
| Net loans and leases to core deposits | 50.6650% | 4,207 |
| Total domestic deposits to total assets | 89.8413% | 850 |
| Equity capital to assets | 8.2176% | 4,419 |
| Core capital (leverage) ratio | 8.3545% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0946% | 1,315 |
| Memoranda: | ||
| Average total assets | $410,843,333 | 1,970 |
| Average earning assets | $394,438,667 | 1,936 |
| Average equity | $34,840,333 | 2,323 |
| Average total loans | $190,392,667 | 2,343 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9436% | 4,196 |
| Cost of funding earning assets | 0.1719% | 4,147 |
| Net interest margin | 2.7717% | 3,826 |
| Noninterest income to average assets | 0.4133% | 3,020 |
| Noninterest expense to average assets | 1.8927% | 4,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8972% | 3,127 |
| Return on assets (ROA) | 0.8972% | 3,209 |
| Pretax return on assets | 1.1793% | 2,902 |
| Return on Equity (ROE) | 10.4086% | 2,561 |
| Retained earnings to average equity (ytd only) | 4.4839% | 3,368 |
| Net charge-offs to loans | 0.1045% | 663 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 24.2245% | 1,180 |
| Efficiency ratio | 61.6106% | 2,821 |
| Assets per employee ($millions) | 8.6180% | 942 |
| Cash dividends to net income (ytd only)* | 56.9214% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3895% | 311 |
| Loan loss allowance to noncurrent loans | 1,160.1563% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 3,534 |
| Noncurrent loans to loans | 0.2060% | 3,369 |
| Net loans and leases to total assets | 44.9300% | 4,040 |
| Net loans and leases to deposits | 50.2143% | 4,147 |
| Net loans and leases to core deposits | 51.1524% | 4,232 |
| Total domestic deposits to total assets | 89.4765% | 1,077 |
| Equity capital to assets | 8.5121% | 4,107 |
| Core capital (leverage) ratio | 8.6722% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7340% | 1,117 |
| Memoranda: | ||
| Average total assets | $402,595,500 | 1,986 |
| Average earning assets | $386,191,000 | 1,947 |
| Average equity | $34,702,000 | 2,318 |
| Average total loans | $187,544,000 | 2,373 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7102% | 3,552 |
| Cost of funding earning assets | 0.3150% | 4,058 |
| Net interest margin | 3.3952% | 2,798 |
| Noninterest income to average assets | 0.4791% | 2,731 |
| Noninterest expense to average assets | 2.0727% | 3,993 |
| Loan and lease loss provision to assets | 0.3261% | 1,111 |
| Net operating income to assets | 1.0430% | 2,131 |
| Return on assets (ROA) | 1.0430% | 2,274 |
| Pretax return on assets | 1.3202% | 1,917 |
| Return on Equity (ROE) | 11.4210% | 1,488 |
| Retained earnings to average equity (ytd only) | 5.8504% | 1,872 |
| Net charge-offs to loans | 0.1167% | 1,319 |
| Credit loss provision to net charge-offs | 545.4545% | 1,185 |
| Earnings coverage of net charge-offs (x) | 27.5364% | 1,680 |
| Efficiency ratio | 55.7326% | 4,018 |
| Assets per employee ($millions) | 8.5137% | 890 |
| Cash dividends to net income (ytd only)* | 48.7754% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3870% | 304 |
| Loan loss allowance to noncurrent loans | 1,250.8333% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 3,664 |
| Noncurrent loans to loans | 0.1908% | 3,528 |
| Net loans and leases to total assets | 46.0191% | 4,125 |
| Net loans and leases to deposits | 51.6856% | 4,233 |
| Net loans and leases to core deposits | 52.9513% | 4,299 |
| Total domestic deposits to total assets | 89.0365% | 970 |
| Equity capital to assets | 8.7283% | 4,268 |
| Core capital (leverage) ratio | 8.6756% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5993% | 1,125 |
| Memoranda: | ||
| Average total assets | $367,976,000 | 1,967 |
| Average earning assets | $351,144,400 | 1,934 |
| Average equity | $33,604,800 | 2,313 |
| Average total loans | $188,521,800 | 2,340 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7943% | 3,585 |
| Cost of funding earning assets | 0.3510% | 4,051 |
| Net interest margin | 3.4434% | 2,771 |
| Noninterest income to average assets | 0.4538% | 2,832 |
| Noninterest expense to average assets | 2.0966% | 3,956 |
| Loan and lease loss provision to assets | 0.3056% | 1,319 |
| Net operating income to assets | 1.0135% | 2,287 |
| Return on assets (ROA) | 1.0135% | 2,418 |
| Pretax return on assets | 1.3332% | 1,928 |
| Return on Equity (ROE) | 10.9631% | 1,692 |
| Retained earnings to average equity (ytd only) | 5.9984% | 2,108 |
| Net charge-offs to loans | 0.1500% | 976 |
| Credit loss provision to net charge-offs | 389.1509% | 1,491 |
| Earnings coverage of net charge-offs (x) | 20.8679% | 1,887 |
| Efficiency ratio | 56.1285% | 3,907 |
| Assets per employee ($millions) | 7.9762% | 1,005 |
| Cash dividends to net income (ytd only)* | 45.2851% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0953% | 422 |
| Loan loss allowance to noncurrent loans | 925.2796% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 3,085 |
| Noncurrent loans to loans | 0.2265% | 3,493 |
| Net loans and leases to total assets | 50.4768% | 4,075 |
| Net loans and leases to deposits | 57.0141% | 4,212 |
| Net loans and leases to core deposits | 58.7147% | 4,267 |
| Total domestic deposits to total assets | 88.5338% | 959 |
| Equity capital to assets | 8.9770% | 4,138 |
| Core capital (leverage) ratio | 8.7375% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3702% | 1,169 |
| Memoranda: | ||
| Average total assets | $359,933,750 | 1,978 |
| Average earning assets | $343,029,250 | 1,947 |
| Average equity | $33,274,500 | 2,316 |
| Average total loans | $188,490,750 | 2,340 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 3,761 |
| Cost of funding earning assets | 0.4053% | 4,018 |
| Net interest margin | 3.4356% | 2,988 |
| Noninterest income to average assets | 0.4570% | 2,778 |
| Noninterest expense to average assets | 2.1352% | 3,961 |
| Loan and lease loss provision to assets | 0.2555% | 1,657 |
| Net operating income to assets | 1.0173% | 2,263 |
| Return on assets (ROA) | 1.0173% | 2,389 |
| Pretax return on assets | 1.3387% | 1,914 |
| Return on Equity (ROE) | 10.8904% | 1,668 |
| Retained earnings to average equity (ytd only) | 5.7308% | 2,182 |
| Net charge-offs to loans | 0.2372% | 664 |
| Credit loss provision to net charge-offs | 204.5455% | 1,890 |
| Earnings coverage of net charge-offs (x) | 12.7636% | 2,032 |
| Efficiency ratio | 57.2538% | 3,777 |
| Assets per employee ($millions) | 7.8307% | 1,031 |
| Cash dividends to net income (ytd only)* | 47.3772% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9046% | 526 |
| Loan loss allowance to noncurrent loans | 376.0521% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 2,656 |
| Noncurrent loans to loans | 0.5065% | 2,630 |
| Net loans and leases to total assets | 51.4253% | 4,069 |
| Net loans and leases to deposits | 58.0820% | 4,218 |
| Net loans and leases to core deposits | 59.7516% | 4,277 |
| Total domestic deposits to total assets | 88.5392% | 927 |
| Equity capital to assets | 8.9828% | 4,105 |
| Core capital (leverage) ratio | 9.0715% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4660% | 1,140 |
| Memoranda: | ||
| Average total assets | $352,292,667 | 1,990 |
| Average earning assets | $335,547,667 | 1,959 |
| Average equity | $32,909,667 | 2,321 |
| Average total loans | $185,524,333 | 2,352 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 3,593 |
| Cost of funding earning assets | 0.5358% | 3,766 |
| Net interest margin | 3.5392% | 2,851 |
| Noninterest income to average assets | 0.4793% | 2,656 |
| Noninterest expense to average assets | 2.1921% | 4,022 |
| Loan and lease loss provision to assets | 0.0881% | 2,586 |
| Net operating income to assets | 1.1853% | 1,567 |
| Return on assets (ROA) | 1.1853% | 1,682 |
| Pretax return on assets | 1.5589% | 1,158 |
| Return on Equity (ROE) | 12.4252% | 1,004 |
| Retained earnings to average equity (ytd only) | 6.1572% | 1,816 |
| Net charge-offs to loans | 0.3427% | 420 |
| Credit loss provision to net charge-offs | 48.7013% | 2,065 |
| Earnings coverage of net charge-offs (x) | 9.1039% | 1,836 |
| Efficiency ratio | 57.0991% | 4,102 |
| Assets per employee ($millions) | 6.9131% | 1,135 |
| Cash dividends to net income (ytd only)* | 50.4460% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 589 |
| Loan loss allowance to noncurrent loans | 320.3721% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 2,663 |
| Noncurrent loans to loans | 0.5981% | 2,499 |
| Net loans and leases to total assets | 52.0445% | 4,110 |
| Net loans and leases to deposits | 59.4199% | 4,220 |
| Net loans and leases to core deposits | 61.3336% | 4,300 |
| Total domestic deposits to total assets | 87.5876% | 1,281 |
| Equity capital to assets | 9.7319% | 4,010 |
| Core capital (leverage) ratio | 9.4720% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3462% | 1,264 |
| Memoranda: | ||
| Average total assets | $340,502,500 | 1,995 |
| Average earning assets | $323,239,500 | 1,962 |
| Average equity | $32,482,500 | 2,330 |
| Average total loans | $179,763,000 | 2,363 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 3,046 |
| Cost of funding earning assets | 0.7251% | 3,040 |
| Net interest margin | 3.7443% | 2,680 |
| Noninterest income to average assets | 0.5473% | 2,499 |
| Noninterest expense to average assets | 2.2608% | 4,044 |
| Loan and lease loss provision to assets | 0.0849% | 2,306 |
| Net operating income to assets | 1.3930% | 1,364 |
| Return on assets (ROA) | 1.3930% | 1,436 |
| Pretax return on assets | 1.7623% | 1,041 |
| Return on Equity (ROE) | 14.9360% | 698 |
| Retained earnings to average equity (ytd only) | 7.2209% | 1,298 |
| Net charge-offs to loans | 0.1318% | 1,452 |
| Credit loss provision to net charge-offs | 119.6581% | 2,115 |
| Earnings coverage of net charge-offs (x) | 26.0342% | 1,709 |
| Efficiency ratio | 55.0340% | 4,321 |
| Assets per employee ($millions) | 6.7111% | 1,174 |
| Cash dividends to net income (ytd only)* | 51.6543% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 485 |
| Loan loss allowance to noncurrent loans | 219.0920% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 2,494 |
| Noncurrent loans to loans | 0.8944% | 1,718 |
| Net loans and leases to total assets | 51.4991% | 4,257 |
| Net loans and leases to deposits | 58.4958% | 4,354 |
| Net loans and leases to core deposits | 60.3465% | 4,426 |
| Total domestic deposits to total assets | 88.0391% | 1,109 |
| Equity capital to assets | 9.3492% | 4,460 |
| Core capital (leverage) ratio | 9.5042% | 4,058 |
| Tier 1 risk-based capital ratio | 16.0224% | 2,399 |
| Total risk-based capital ratio | 17.2788% | 2,340 |
| Memoranda: | ||
| Average total assets | $329,792,200 | 1,983 |
| Average earning assets | $313,627,400 | 1,949 |
| Average equity | $30,758,000 | 2,350 |
| Average total loans | $177,584,800 | 2,344 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 2,884 |
| Cost of funding earning assets | 0.7580% | 2,928 |
| Net interest margin | 3.7947% | 2,619 |
| Noninterest income to average assets | 0.5396% | 2,514 |
| Noninterest expense to average assets | 2.2227% | 4,142 |
| Loan and lease loss provision to assets | 0.0551% | 2,809 |
| Net operating income to assets | 1.4199% | 1,409 |
| Return on assets (ROA) | 1.4199% | 1,468 |
| Pretax return on assets | 1.8681% | 941 |
| Return on Equity (ROE) | 15.2345% | 727 |
| Retained earnings to average equity (ytd only) | 8.5609% | 1,185 |
| Net charge-offs to loans | 0.0339% | 2,394 |
| Credit loss provision to net charge-offs | 300.0000% | 946 |
| Earnings coverage of net charge-offs (x) | 104.7085% | 726 |
| Efficiency ratio | 53.6129% | 4,435 |
| Assets per employee ($millions) | 6.6153% | 1,221 |
| Cash dividends to net income (ytd only)* | 43.8057% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9625% | 499 |
| Loan loss allowance to noncurrent loans | 936.2205% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 4,097 |
| Noncurrent loans to loans | 0.2096% | 3,788 |
| Net loans and leases to total assets | 53.8715% | 4,191 |
| Net loans and leases to deposits | 61.5240% | 4,314 |
| Net loans and leases to core deposits | 63.5273% | 4,396 |
| Total domestic deposits to total assets | 87.5618% | 1,233 |
| Equity capital to assets | 9.6008% | 4,389 |
| Core capital (leverage) ratio | 9.6963% | 3,977 |
| Tier 1 risk-based capital ratio | 15.9432% | 2,456 |
| Total risk-based capital ratio | 17.1999% | 2,388 |
| Memoranda: | ||
| Average total assets | $326,674,250 | 2,010 |
| Average earning assets | $310,462,250 | 1,969 |
| Average equity | $30,447,750 | 2,377 |
| Average total loans | $177,034,500 | 2,375 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5582% | 2,813 |
| Cost of funding earning assets | 0.7629% | 2,838 |
| Net interest margin | 3.7952% | 2,596 |
| Noninterest income to average assets | 0.5170% | 2,583 |
| Noninterest expense to average assets | 2.2133% | 4,193 |
| Loan and lease loss provision to assets | 0.0553% | 2,722 |
| Net operating income to assets | 1.4097% | 1,411 |
| Return on assets (ROA) | 1.4097% | 1,461 |
| Pretax return on assets | 1.8542% | 927 |
| Return on Equity (ROE) | 15.2807% | 709 |
| Retained earnings to average equity (ytd only) | 8.5167% | 1,198 |
| Net charge-offs to loans | 0.0125% | 2,689 |
| Credit loss provision to net charge-offs | 818.1818% | 417 |
| Earnings coverage of net charge-offs (x) | 282.3636% | 277 |
| Efficiency ratio | 53.6833% | 4,507 |
| Assets per employee ($millions) | 6.5377% | 1,219 |
| Cash dividends to net income (ytd only)* | 44.2652% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9919% | 485 |
| Loan loss allowance to noncurrent loans | 516.1103% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 3,686 |
| Noncurrent loans to loans | 0.3859% | 3,147 |
| Net loans and leases to total assets | 53.5262% | 4,243 |
| Net loans and leases to deposits | 61.0106% | 4,375 |
| Net loans and leases to core deposits | 62.8936% | 4,463 |
| Total domestic deposits to total assets | 87.7326% | 1,232 |
| Equity capital to assets | 9.4697% | 4,430 |
| Core capital (leverage) ratio | 9.5522% | 4,102 |
| Tier 1 risk-based capital ratio | 15.9108% | 2,452 |
| Total risk-based capital ratio | 17.1682% | 2,392 |
| Memoranda: | ||
| Average total assets | $325,311,330 | 2,024 |
| Average earning assets | $309,070,670 | 1,989 |
| Average equity | $30,011,670 | 2,398 |
| Average total loans | $175,461,330 | 2,398 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5335% | 2,753 |
| Cost of funding earning assets | 0.7469% | 2,804 |
| Net interest margin | 3.7866% | 2,579 |
| Noninterest income to average assets | 0.4980% | 2,562 |
| Noninterest expense to average assets | 2.2075% | 4,240 |
| Loan and lease loss provision to assets | 0.0555% | 2,560 |
| Net operating income to assets | 1.3940% | 1,394 |
| Return on assets (ROA) | 1.3940% | 1,427 |
| Pretax return on assets | 1.8341% | 902 |
| Return on Equity (ROE) | 15.3148% | 695 |
| Retained earnings to average equity (ytd only) | 8.4631% | 1,504 |
| Net charge-offs to loans | 0.0115% | 2,276 |
| Credit loss provision to net charge-offs | 900.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 306.6000% | 266 |
| Efficiency ratio | 53.8809% | 4,540 |
| Assets per employee ($millions) | 6.7679% | 1,103 |
| Cash dividends to net income (ytd only)* | 44.7392% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0345% | 466 |
| Loan loss allowance to noncurrent loans | 465.2116% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 3,643 |
| Noncurrent loans to loans | 0.4373% | 3,015 |
| Net loans and leases to total assets | 52.1297% | 4,329 |
| Net loans and leases to deposits | 59.2833% | 4,452 |
| Net loans and leases to core deposits | 61.1133% | 4,526 |
| Total domestic deposits to total assets | 87.9332% | 1,376 |
| Equity capital to assets | 9.2231% | 4,507 |
| Core capital (leverage) ratio | 9.1935% | 4,478 |
| Tier 1 risk-based capital ratio | 15.9543% | 2,457 |
| Total risk-based capital ratio | 17.2117% | 2,397 |
| Memoranda: | ||
| Average total assets | $324,525,500 | 2,042 |
| Average earning assets | $308,457,000 | 2,008 |
| Average equity | $29,540,000 | 2,431 |
| Average total loans | $173,930,000 | 2,435 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 3,118 |
| Cost of funding earning assets | 0.5625% | 2,973 |
| Net interest margin | 3.7354% | 2,921 |
| Noninterest income to average assets | 0.6580% | 2,020 |
| Noninterest expense to average assets | 2.3074% | 4,104 |
| Loan and lease loss provision to assets | 0.0638% | 2,882 |
| Net operating income to assets | 1.4311% | 1,335 |
| Return on assets (ROA) | 1.4311% | 1,327 |
| Pretax return on assets | 1.8341% | 839 |
| Return on Equity (ROE) | 16.0745% | 619 |
| Retained earnings to average equity (ytd only) | 8.8168% | 929 |
| Net charge-offs to loans | 0.0681% | 2,142 |
| Credit loss provision to net charge-offs | 169.4915% | 1,643 |
| Earnings coverage of net charge-offs (x) | 50.4068% | 1,132 |
| Efficiency ratio | 54.8676% | 4,537 |
| Assets per employee ($millions) | 6.7540% | 1,091 |
| Cash dividends to net income (ytd only)* | 45.1505% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9869% | 483 |
| Loan loss allowance to noncurrent loans | 357.3484% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 3,315 |
| Noncurrent loans to loans | 0.5560% | 2,607 |
| Net loans and leases to total assets | 52.9063% | 4,359 |
| Net loans and leases to deposits | 59.9047% | 4,485 |
| Net loans and leases to core deposits | 61.7116% | 4,554 |
| Total domestic deposits to total assets | 88.3174% | 1,153 |
| Equity capital to assets | 8.9817% | 4,595 |
| Core capital (leverage) ratio | 9.3466% | 4,304 |
| Tier 1 risk-based capital ratio | 15.4719% | 2,635 |
| Total risk-based capital ratio | 16.7291% | 2,554 |
| Memoranda: | ||
| Average total assets | $313,389,400 | 2,072 |
| Average earning assets | $297,615,800 | 2,032 |
| Average equity | $27,901,400 | 2,463 |
| Average total loans | $173,251,400 | 2,408 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 3,146 |
| Cost of funding earning assets | 0.5199% | 3,063 |
| Net interest margin | 3.7311% | 2,895 |
| Noninterest income to average assets | 0.6922% | 1,898 |
| Noninterest expense to average assets | 2.3066% | 4,079 |
| Loan and lease loss provision to assets | 0.0794% | 2,367 |
| Net operating income to assets | 1.4145% | 1,437 |
| Return on assets (ROA) | 1.4145% | 1,437 |
| Pretax return on assets | 1.8479% | 910 |
| Return on Equity (ROE) | 15.9239% | 707 |
| Retained earnings to average equity (ytd only) | 9.8075% | 982 |
| Net charge-offs to loans | 0.0100% | 3,065 |
| Credit loss provision to net charge-offs | 1,423.0769% | 289 |
| Earnings coverage of net charge-offs (x) | 345.5193% | 273 |
| Efficiency ratio | 54.4800% | 4,563 |
| Assets per employee ($millions) | 6.4502% | 1,213 |
| Cash dividends to net income (ytd only)* | 38.4102% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0565% | 438 |
| Loan loss allowance to noncurrent loans | 363.9796% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 3,211 |
| Noncurrent loans to loans | 0.5650% | 2,686 |
| Net loans and leases to total assets | 54.8708% | 4,303 |
| Net loans and leases to deposits | 62.4451% | 4,427 |
| Net loans and leases to core deposits | 64.5607% | 4,486 |
| Total domestic deposits to total assets | 87.8705% | 1,295 |
| Equity capital to assets | 9.1751% | 4,396 |
| Core capital (leverage) ratio | 9.3057% | 4,394 |
| Tier 1 risk-based capital ratio | 15.3490% | 2,721 |
| Total risk-based capital ratio | 16.6068% | 2,643 |
| Memoranda: | ||
| Average total assets | $310,688,750 | 2,102 |
| Average earning assets | $294,917,500 | 2,058 |
| Average equity | $27,597,250 | 2,485 |
| Average total loans | $172,815,500 | 2,420 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 3,273 |
| Cost of funding earning assets | 0.4829% | 3,144 |
| Net interest margin | 3.6692% | 3,046 |
| Noninterest income to average assets | 0.7652% | 1,589 |
| Noninterest expense to average assets | 2.2794% | 4,192 |
| Loan and lease loss provision to assets | 0.0836% | 2,244 |
| Net operating income to assets | 1.4486% | 1,285 |
| Return on assets (ROA) | 1.4486% | 1,283 |
| Pretax return on assets | 1.8859% | 802 |
| Return on Equity (ROE) | 16.4890% | 585 |
| Retained earnings to average equity (ytd only) | 10.3120% | 837 |
| Net charge-offs to loans | 0.0012% | 3,176 |
| Credit loss provision to net charge-offs | 13,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 3,063.0000% | 18 |
| Efficiency ratio | 53.6471% | 4,729 |
| Assets per employee ($millions) | 6.5622% | 1,149 |
| Cash dividends to net income (ytd only)* | 37.4612% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0235% | 501 |
| Loan loss allowance to noncurrent loans | 340.2510% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 3,238 |
| Noncurrent loans to loans | 0.5947% | 2,637 |
| Net loans and leases to total assets | 54.1873% | 4,325 |
| Net loans and leases to deposits | 61.3878% | 4,458 |
| Net loans and leases to core deposits | 63.3317% | 4,532 |
| Total domestic deposits to total assets | 88.2706% | 1,235 |
| Equity capital to assets | 8.8706% | 4,672 |
| Core capital (leverage) ratio | 9.2719% | 4,389 |
| Tier 1 risk-based capital ratio | 15.0240% | 2,864 |
| Total risk-based capital ratio | 16.2814% | 2,788 |
| Memoranda: | ||
| Average total assets | $311,048,670 | 2,114 |
| Average earning assets | $295,325,330 | 2,067 |
| Average equity | $27,327,330 | 2,512 |
| Average total loans | $172,603,330 | 2,422 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0711% | 3,335 |
| Cost of funding earning assets | 0.4499% | 3,201 |
| Net interest margin | 3.6212% | 3,102 |
| Noninterest income to average assets | 0.5435% | 2,560 |
| Noninterest expense to average assets | 2.2415% | 4,323 |
| Loan and lease loss provision to assets | 0.0712% | 2,339 |
| Net operating income to assets | 1.2683% | 1,753 |
| Return on assets (ROA) | 1.2683% | 1,760 |
| Pretax return on assets | 1.6682% | 1,196 |
| Return on Equity (ROE) | 14.5075% | 898 |
| Retained earnings to average equity (ytd only) | 8.2604% | 1,742 |
| Net charge-offs to loans | 0.0093% | 2,407 |
| Credit loss provision to net charge-offs | 1,375.0000% | 266 |
| Earnings coverage of net charge-offs (x) | 336.0000% | 201 |
| Efficiency ratio | 56.3069% | 4,543 |
| Assets per employee ($millions) | 6.6631% | 1,113 |
| Cash dividends to net income (ytd only)* | 43.0612% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9863% | 558 |
| Loan loss allowance to noncurrent loans | 499.4203% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 3,795 |
| Noncurrent loans to loans | 0.3977% | 3,360 |
| Net loans and leases to total assets | 54.2974% | 4,257 |
| Net loans and leases to deposits | 61.4313% | 4,374 |
| Net loans and leases to core deposits | 63.2063% | 4,472 |
| Total domestic deposits to total assets | 88.3872% | 1,415 |
| Equity capital to assets | 8.6740% | 4,839 |
| Core capital (leverage) ratio | 8.9503% | 4,734 |
| Tier 1 risk-based capital ratio | 14.6869% | 3,035 |
| Total risk-based capital ratio | 15.9449% | 2,940 |
| Memoranda: | ||
| Average total assets | $309,080,500 | 2,147 |
| Average earning assets | $293,382,500 | 2,106 |
| Average equity | $27,020,500 | 2,550 |
| Average total loans | $171,801,500 | 2,451 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9436% | 3,596 |
| Cost of funding earning assets | 0.4013% | 3,245 |
| Net interest margin | 3.5423% | 3,368 |
| Noninterest income to average assets | 0.5706% | 2,604 |
| Noninterest expense to average assets | 2.2600% | 4,421 |
| Loan and lease loss provision to assets | 0.0773% | 2,653 |
| Net operating income to assets | 1.0092% | 2,201 |
| Return on assets (ROA) | 1.0092% | 2,235 |
| Pretax return on assets | 1.5863% | 1,329 |
| Return on Equity (ROE) | 11.1092% | 1,435 |
| Retained earnings to average equity (ytd only) | 4.7297% | 2,302 |
| Net charge-offs to loans | 0.0479% | 2,828 |
| Credit loss provision to net charge-offs | 284.8101% | 989 |
| Earnings coverage of net charge-offs (x) | 61.2658% | 943 |
| Efficiency ratio | 57.5996% | 4,577 |
| Assets per employee ($millions) | 6.2244% | 1,365 |
| Cash dividends to net income (ytd only)* | 57.4251% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9957% | 546 |
| Loan loss allowance to noncurrent loans | 538.0349% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 3,862 |
| Noncurrent loans to loans | 0.3709% | 3,432 |
| Net loans and leases to total assets | 54.6635% | 4,301 |
| Net loans and leases to deposits | 61.8968% | 4,461 |
| Net loans and leases to core deposits | 63.7326% | 4,548 |
| Total domestic deposits to total assets | 88.3140% | 1,339 |
| Equity capital to assets | 8.8122% | 4,889 |
| Core capital (leverage) ratio | 9.1445% | 4,467 |
| Tier 1 risk-based capital ratio | 14.6164% | 3,034 |
| Total risk-based capital ratio | 15.8736% | 2,952 |
| Memoranda: | ||
| Average total assets | $290,928,000 | 2,214 |
| Average earning assets | $275,382,800 | 2,183 |
| Average equity | $26,428,600 | 2,582 |
| Average total loans | $164,757,600 | 2,488 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 3,652 |
| Cost of funding earning assets | 0.3874% | 3,311 |
| Net interest margin | 3.5247% | 3,409 |
| Noninterest income to average assets | 0.5831% | 2,569 |
| Noninterest expense to average assets | 2.2332% | 4,460 |
| Loan and lease loss provision to assets | 0.1044% | 2,022 |
| Net operating income to assets | 1.0350% | 2,394 |
| Return on assets (ROA) | 1.0350% | 2,430 |
| Pretax return on assets | 1.5800% | 1,488 |
| Return on Equity (ROE) | 11.3031% | 1,568 |
| Retained earnings to average equity (ytd only) | 6.1810% | 2,121 |
| Net charge-offs to loans | 0.0506% | 2,416 |
| Credit loss provision to net charge-offs | 362.9032% | 840 |
| Earnings coverage of net charge-offs (x) | 58.5677% | 1,009 |
| Efficiency ratio | 57.0041% | 4,613 |
| Assets per employee ($millions) | 5.9541% | 1,528 |
| Cash dividends to net income (ytd only)* | 45.3162% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0010% | 567 |
| Loan loss allowance to noncurrent loans | 473.8889% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 3,843 |
| Noncurrent loans to loans | 0.4222% | 3,435 |
| Net loans and leases to total assets | 57.2773% | 4,128 |
| Net loans and leases to deposits | 65.3424% | 4,296 |
| Net loans and leases to core deposits | 67.2551% | 4,407 |
| Total domestic deposits to total assets | 87.6572% | 1,544 |
| Equity capital to assets | 9.2429% | 4,694 |
| Core capital (leverage) ratio | 9.2906% | 4,418 |
| Tier 1 risk-based capital ratio | 14.5655% | 3,147 |
| Total risk-based capital ratio | 15.8227% | 3,061 |
| Memoranda: | ||
| Average total assets | $287,410,750 | 2,254 |
| Average earning assets | $271,900,750 | 2,215 |
| Average equity | $26,316,500 | 2,611 |
| Average total loans | $163,417,750 | 2,508 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8448% | 3,743 |
| Cost of funding earning assets | 0.3565% | 3,513 |
| Net interest margin | 3.4884% | 3,450 |
| Noninterest income to average assets | 0.5826% | 2,545 |
| Noninterest expense to average assets | 2.2150% | 4,536 |
| Loan and lease loss provision to assets | 0.1049% | 1,929 |
| Net operating income to assets | 1.0225% | 2,318 |
| Return on assets (ROA) | 1.0225% | 2,367 |
| Pretax return on assets | 1.5617% | 1,453 |
| Return on Equity (ROE) | 11.2031% | 1,567 |
| Retained earnings to average equity (ytd only) | 6.0460% | 2,086 |
| Net charge-offs to loans | 0.0720% | 1,910 |
| Credit loss provision to net charge-offs | 258.6207% | 1,055 |
| Earnings coverage of net charge-offs (x) | 41.0862% | 1,225 |
| Efficiency ratio | 57.0631% | 4,700 |
| Assets per employee ($millions) | 6.2823% | 1,261 |
| Cash dividends to net income (ytd only)* | 46.0328% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0420% | 561 |
| Loan loss allowance to noncurrent loans | 376.2387% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 3,605 |
| Noncurrent loans to loans | 0.5427% | 3,119 |
| Net loans and leases to total assets | 55.4606% | 4,273 |
| Net loans and leases to deposits | 63.2342% | 4,414 |
| Net loans and leases to core deposits | 65.0986% | 4,534 |
| Total domestic deposits to total assets | 87.7067% | 1,612 |
| Equity capital to assets | 9.1921% | 4,723 |
| Core capital (leverage) ratio | 9.2700% | 4,398 |
| Tier 1 risk-based capital ratio | 14.9040% | 2,970 |
| Total risk-based capital ratio | 16.1614% | 2,898 |
| Memoranda: | ||
| Average total assets | $285,964,670 | 2,272 |
| Average earning assets | $270,442,670 | 2,236 |
| Average equity | $26,100,000 | 2,622 |
| Average total loans | $161,051,000 | 2,544 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 3,851 |
| Cost of funding earning assets | 0.3227% | 3,820 |
| Net interest margin | 3.4520% | 3,442 |
| Noninterest income to average assets | 0.5864% | 2,479 |
| Noninterest expense to average assets | 2.2148% | 4,602 |
| Loan and lease loss provision to assets | 0.1055% | 1,812 |
| Net operating income to assets | 1.0040% | 2,285 |
| Return on assets (ROA) | 1.0040% | 2,335 |
| Pretax return on assets | 1.5300% | 1,442 |
| Return on Equity (ROE) | 11.0407% | 1,546 |
| Retained earnings to average equity (ytd only) | 5.8451% | 2,411 |
| Net charge-offs to loans | -0.1427% | 5,551 |
| Credit loss provision to net charge-offs | -131.5789% | 3,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5237% | 4,773 |
| Assets per employee ($millions) | 6.0716% | 1,450 |
| Cash dividends to net income (ytd only)* | 47.0588% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1349% | 516 |
| Loan loss allowance to noncurrent loans | 360.4478% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.3816% | 3,678 |
| Noncurrent loans to loans | 0.5923% | 3,039 |
| Net loans and leases to total assets | 53.1810% | 4,408 |
| Net loans and leases to deposits | 60.2569% | 4,547 |
| Net loans and leases to core deposits | 61.8327% | 4,669 |
| Total domestic deposits to total assets | 88.2571% | 1,555 |
| Equity capital to assets | 8.9543% | 4,855 |
| Core capital (leverage) ratio | 9.2001% | 4,479 |
| Tier 1 risk-based capital ratio | 15.1973% | 2,873 |
| Total risk-based capital ratio | 16.4561% | 2,806 |
| Memoranda: | ||
| Average total assets | $284,453,500 | 2,295 |
| Average earning assets | $268,943,000 | 2,257 |
| Average equity | $25,868,000 | 2,652 |
| Average total loans | $159,769,000 | 2,581 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8766% | 3,658 |
| Cost of funding earning assets | 0.3320% | 3,723 |
| Net interest margin | 3.5446% | 3,272 |
| Noninterest income to average assets | 0.6002% | 2,662 |
| Noninterest expense to average assets | 2.3099% | 4,535 |
| Loan and lease loss provision to assets | -0.3155% | 5,849 |
| Net operating income to assets | 1.2781% | 1,277 |
| Return on assets (ROA) | 1.2962% | 1,293 |
| Pretax return on assets | 1.9781% | 526 |
| Return on Equity (ROE) | 13.8680% | 798 |
| Retained earnings to average equity (ytd only) | 5.9134% | 1,756 |
| Net charge-offs to loans | -0.6302% | 5,845 |
| Credit loss provision to net charge-offs | 85.6855% | 2,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5529% | 4,785 |
| Assets per employee ($millions) | 6.0320% | 1,457 |
| Cash dividends to net income (ytd only)* | 57.3597% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0159% | 636 |
| Loan loss allowance to noncurrent loans | 394.2961% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 3,607 |
| Noncurrent loans to loans | 0.5113% | 3,315 |
| Net loans and leases to total assets | 56.9139% | 4,174 |
| Net loans and leases to deposits | 64.7131% | 4,349 |
| Net loans and leases to core deposits | 66.6489% | 4,485 |
| Total domestic deposits to total assets | 87.9480% | 1,654 |
| Equity capital to assets | 9.2406% | 4,526 |
| Core capital (leverage) ratio | 9.2423% | 4,421 |
| Tier 1 risk-based capital ratio | 15.0021% | 2,962 |
| Total risk-based capital ratio | 16.2600% | 2,898 |
| Memoranda: | ||
| Average total assets | $269,404,400 | 2,367 |
| Average earning assets | $254,215,200 | 2,332 |
| Average equity | $25,180,200 | 2,701 |
| Average total loans | $157,420,600 | 2,549 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 3,743 |
| Cost of funding earning assets | 0.3291% | 3,789 |
| Net interest margin | 3.5284% | 3,365 |
| Noninterest income to average assets | 0.6039% | 2,640 |
| Noninterest expense to average assets | 2.2903% | 4,557 |
| Loan and lease loss provision to assets | -0.4238% | 5,937 |
| Net operating income to assets | 1.3688% | 1,129 |
| Return on assets (ROA) | 1.3932% | 1,138 |
| Pretax return on assets | 2.1048% | 459 |
| Return on Equity (ROE) | 14.8622% | 682 |
| Retained earnings to average equity (ytd only) | 7.7662% | 1,276 |
| Net charge-offs to loans | -0.9279% | 5,918 |
| Credit loss provision to net charge-offs | 78.0533% | 2,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2129% | 4,786 |
| Assets per employee ($millions) | 6.0515% | 1,394 |
| Cash dividends to net income (ytd only)* | 47.7451% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0635% | 647 |
| Loan loss allowance to noncurrent loans | 426.7857% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 3,752 |
| Noncurrent loans to loans | 0.4835% | 3,556 |
| Net loans and leases to total assets | 58.3179% | 4,066 |
| Net loans and leases to deposits | 66.6965% | 4,276 |
| Net loans and leases to core deposits | 68.6780% | 4,416 |
| Total domestic deposits to total assets | 87.4378% | 1,700 |
| Equity capital to assets | 9.5128% | 4,648 |
| Core capital (leverage) ratio | 9.4936% | 4,193 |
| Tier 1 risk-based capital ratio | 15.0825% | 3,011 |
| Total risk-based capital ratio | 16.3409% | 2,943 |
| Memoranda: | ||
| Average total assets | $267,387,500 | 2,394 |
| Average earning assets | $252,384,750 | 2,353 |
| Average equity | $25,065,250 | 2,726 |
| Average total loans | $156,483,500 | 2,567 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8142% | 3,906 |
| Cost of funding earning assets | 0.3194% | 3,902 |
| Net interest margin | 3.4948% | 3,507 |
| Noninterest income to average assets | 0.6066% | 2,584 |
| Noninterest expense to average assets | 2.2932% | 4,629 |
| Loan and lease loss provision to assets | 0.1129% | 1,990 |
| Net operating income to assets | 0.9949% | 2,417 |
| Return on assets (ROA) | 0.9949% | 2,555 |
| Pretax return on assets | 1.5022% | 1,670 |
| Return on Equity (ROE) | 10.6676% | 1,780 |
| Retained earnings to average equity (ytd only) | 5.2935% | 2,549 |
| Net charge-offs to loans | 0.0129% | 3,287 |
| Credit loss provision to net charge-offs | 1,500.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 214.6000% | 304 |
| Efficiency ratio | 58.6751% | 4,814 |
| Assets per employee ($millions) | 6.0016% | 1,401 |
| Cash dividends to net income (ytd only)* | 50.3782% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0897% | 628 |
| Loan loss allowance to noncurrent loans | 322.7634% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5139% | 3,497 |
| Noncurrent loans to loans | 0.6474% | 3,134 |
| Net loans and leases to total assets | 56.3311% | 4,269 |
| Net loans and leases to deposits | 64.1971% | 4,479 |
| Net loans and leases to core deposits | 66.0859% | 4,606 |
| Total domestic deposits to total assets | 87.7470% | 1,551 |
| Equity capital to assets | 9.3053% | 4,965 |
| Core capital (leverage) ratio | 9.2758% | 4,490 |
| Tier 1 risk-based capital ratio | 15.0002% | 3,078 |
| Total risk-based capital ratio | 16.2590% | 3,020 |
| Memoranda: | ||
| Average total assets | $265,744,670 | 2,421 |
| Average earning assets | $251,061,000 | 2,374 |
| Average equity | $24,785,330 | 2,764 |
| Average total loans | $154,593,000 | 2,595 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7974% | 3,952 |
| Cost of funding earning assets | 0.3140% | 4,015 |
| Net interest margin | 3.4833% | 3,546 |
| Noninterest income to average assets | 0.6252% | 2,387 |
| Noninterest expense to average assets | 2.2854% | 4,703 |
| Loan and lease loss provision to assets | 0.1138% | 1,839 |
| Net operating income to assets | 1.0092% | 2,233 |
| Return on assets (ROA) | 1.0092% | 2,349 |
| Pretax return on assets | 1.5252% | 1,516 |
| Return on Equity (ROE) | 10.8075% | 1,675 |
| Retained earnings to average equity (ytd only) | 5.4119% | 2,706 |
| Net charge-offs to loans | -0.0052% | 4,304 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2367% | 4,965 |
| Assets per employee ($millions) | 5.8767% | 1,508 |
| Cash dividends to net income (ytd only)* | 49.9248% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0843% | 707 |
| Loan loss allowance to noncurrent loans | 286.5887% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.4931% | 3,631 |
| Noncurrent loans to loans | 0.7273% | 3,018 |
| Net loans and leases to total assets | 55.3328% | 4,322 |
| Net loans and leases to deposits | 62.7443% | 4,527 |
| Net loans and leases to core deposits | 64.8552% | 4,636 |
| Total domestic deposits to total assets | 88.1877% | 1,536 |
| Equity capital to assets | 9.1792% | 5,010 |
| Core capital (leverage) ratio | 9.3388% | 4,444 |
| Tier 1 risk-based capital ratio | 15.4279% | 2,957 |
| Total risk-based capital ratio | 16.6870% | 2,886 |
| Memoranda: | ||
| Average total assets | $263,580,500 | 2,442 |
| Average earning assets | $249,645,500 | 2,388 |
| Average equity | $24,612,500 | 2,780 |
| Average total loans | $154,198,500 | 2,595 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 4,059 |
| Cost of funding earning assets | 0.2985% | 4,264 |
| Net interest margin | 3.4966% | 3,535 |
| Noninterest income to average assets | 0.6477% | 2,469 |
| Noninterest expense to average assets | 2.3161% | 4,735 |
| Loan and lease loss provision to assets | 0.1170% | 2,039 |
| Net operating income to assets | 1.0486% | 2,130 |
| Return on assets (ROA) | 1.0539% | 2,197 |
| Pretax return on assets | 1.5296% | 1,463 |
| Return on Equity (ROE) | 11.3651% | 1,477 |
| Retained earnings to average equity (ytd only) | 5.7813% | 1,909 |
| Net charge-offs to loans | 0.0622% | 2,981 |
| Credit loss provision to net charge-offs | 315.7895% | 941 |
| Earnings coverage of net charge-offs (x) | 44.2421% | 1,086 |
| Efficiency ratio | 58.5626% | 5,082 |
| Assets per employee ($millions) | 5.7074% | 1,612 |
| Cash dividends to net income (ytd only)* | 49.1306% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9964% | 810 |
| Loan loss allowance to noncurrent loans | 279.6580% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 3,611 |
| Noncurrent loans to loans | 0.7139% | 3,044 |
| Net loans and leases to total assets | 59.3872% | 3,919 |
| Net loans and leases to deposits | 67.2753% | 4,192 |
| Net loans and leases to core deposits | 69.4174% | 4,343 |
| Total domestic deposits to total assets | 88.2749% | 1,492 |
| Equity capital to assets | 9.5046% | 4,544 |
| Core capital (leverage) ratio | 9.8600% | 3,701 |
| Tier 1 risk-based capital ratio | 15.0745% | 3,141 |
| Total risk-based capital ratio | 16.3328% | 3,071 |
| Memoranda: | ||
| Average total assets | $256,465,400 | 2,457 |
| Average earning assets | $242,581,400 | 2,398 |
| Average equity | $23,783,400 | 2,804 |
| Average total loans | $152,669,200 | 2,562 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7722% | 4,178 |
| Cost of funding earning assets | 0.2980% | 4,363 |
| Net interest margin | 3.4743% | 3,646 |
| Noninterest income to average assets | 0.6594% | 2,430 |
| Noninterest expense to average assets | 2.2732% | 4,846 |
| Loan and lease loss provision to assets | 0.1170% | 1,939 |
| Net operating income to assets | 1.0343% | 2,304 |
| Return on assets (ROA) | 1.0412% | 2,359 |
| Pretax return on assets | 1.5664% | 1,491 |
| Return on Equity (ROE) | 11.2978% | 1,597 |
| Retained earnings to average equity (ytd only) | 5.6771% | 2,466 |
| Net charge-offs to loans | 0.0369% | 3,166 |
| Credit loss provision to net charge-offs | 535.7143% | 613 |
| Earnings coverage of net charge-offs (x) | 76.5934% | 768 |
| Efficiency ratio | 57.6041% | 5,169 |
| Assets per employee ($millions) | 5.5528% | 1,734 |
| Cash dividends to net income (ytd only)* | 49.7503% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9951% | 915 |
| Loan loss allowance to noncurrent loans | 305.7483% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 3,884 |
| Noncurrent loans to loans | 0.6525% | 3,371 |
| Net loans and leases to total assets | 60.6462% | 3,787 |
| Net loans and leases to deposits | 68.9164% | 4,099 |
| Net loans and leases to core deposits | 71.0310% | 4,277 |
| Total domestic deposits to total assets | 87.9997% | 1,552 |
| Equity capital to assets | 9.6463% | 4,581 |
| Core capital (leverage) ratio | 9.6678% | 4,083 |
| Tier 1 risk-based capital ratio | 14.9345% | 3,327 |
| Total risk-based capital ratio | 16.1928% | 3,273 |
| Memoranda: | ||
| Average total assets | $256,373,500 | 2,472 |
| Average earning assets | $242,540,000 | 2,416 |
| Average equity | $23,626,500 | 2,840 |
| Average total loans | $151,928,250 | 2,585 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7136% | 4,369 |
| Cost of funding earning assets | 0.2950% | 4,446 |
| Net interest margin | 3.4186% | 3,837 |
| Noninterest income to average assets | 0.6676% | 2,371 |
| Noninterest expense to average assets | 2.2395% | 5,011 |
| Loan and lease loss provision to assets | 0.1160% | 1,907 |
| Net operating income to assets | 1.0296% | 2,232 |
| Return on assets (ROA) | 1.0296% | 2,347 |
| Pretax return on assets | 1.5487% | 1,493 |
| Return on Equity (ROE) | 11.3434% | 1,573 |
| Retained earnings to average equity (ytd only) | 5.6845% | 2,419 |
| Net charge-offs to loans | 0.0411% | 2,867 |
| Credit loss provision to net charge-offs | 483.8710% | 644 |
| Earnings coverage of net charge-offs (x) | 69.4194% | 778 |
| Efficiency ratio | 57.3608% | 5,301 |
| Assets per employee ($millions) | 5.4505% | 1,786 |
| Cash dividends to net income (ytd only)* | 49.8873% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9791% | 1,017 |
| Loan loss allowance to noncurrent loans | 253.0151% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 3,980 |
| Noncurrent loans to loans | 0.7822% | 3,150 |
| Net loans and leases to total assets | 59.6753% | 3,882 |
| Net loans and leases to deposits | 67.6709% | 4,162 |
| Net loans and leases to core deposits | 69.6433% | 4,354 |
| Total domestic deposits to total assets | 88.1847% | 1,558 |
| Equity capital to assets | 9.4801% | 4,677 |
| Core capital (leverage) ratio | 9.3944% | 4,430 |
| Tier 1 risk-based capital ratio | 14.7912% | 3,477 |
| Total risk-based capital ratio | 16.0490% | 3,405 |
| Memoranda: | ||
| Average total assets | $258,539,000 | 2,466 |
| Average earning assets | $244,777,670 | 2,423 |
| Average equity | $23,467,330 | 2,870 |
| Average total loans | $151,029,000 | 2,600 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6578% | 4,508 |
| Cost of funding earning assets | 0.2945% | 4,504 |
| Net interest margin | 3.3633% | 3,977 |
| Noninterest income to average assets | 0.6051% | 2,619 |
| Noninterest expense to average assets | 2.1704% | 5,224 |
| Loan and lease loss provision to assets | 0.1143% | 1,807 |
| Net operating income to assets | 1.0044% | 2,247 |
| Return on assets (ROA) | 1.0044% | 2,385 |
| Pretax return on assets | 1.5058% | 1,549 |
| Return on Equity (ROE) | 11.3053% | 1,549 |
| Retained earnings to average equity (ytd only) | 5.6098% | 2,711 |
| Net charge-offs to loans | 0.0719% | 2,002 |
| Credit loss provision to net charge-offs | 277.7778% | 857 |
| Earnings coverage of net charge-offs (x) | 39.3704% | 981 |
| Efficiency ratio | 57.2577% | 5,418 |
| Assets per employee ($millions) | 5.5851% | 1,726 |
| Cash dividends to net income (ytd only)* | 50.3794% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 1,191 |
| Loan loss allowance to noncurrent loans | 265.5266% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 4,211 |
| Noncurrent loans to loans | 0.7337% | 3,428 |
| Net loans and leases to total assets | 57.7892% | 3,979 |
| Net loans and leases to deposits | 65.2764% | 4,233 |
| Net loans and leases to core deposits | 67.1215% | 4,413 |
| Total domestic deposits to total assets | 88.5300% | 1,535 |
| Equity capital to assets | 9.1436% | 5,145 |
| Core capital (leverage) ratio | 9.0190% | 4,930 |
| Tier 1 risk-based capital ratio | 14.4115% | 3,768 |
| Total risk-based capital ratio | 15.6685% | 3,689 |
| Memoranda: | ||
| Average total assets | $262,446,000 | 2,451 |
| Average earning assets | $248,565,500 | 2,389 |
| Average equity | $23,316,500 | 2,899 |
| Average total loans | $150,222,500 | 2,619 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8463% | 4,335 |
| Cost of funding earning assets | 0.2879% | 4,922 |
| Net interest margin | 3.5584% | 3,563 |
| Noninterest income to average assets | 0.6170% | 2,756 |
| Noninterest expense to average assets | 2.3209% | 5,056 |
| Loan and lease loss provision to assets | 0.1520% | 1,729 |
| Net operating income to assets | 0.9952% | 2,406 |
| Return on assets (ROA) | 1.0001% | 2,458 |
| Pretax return on assets | 1.4983% | 1,549 |
| Return on Equity (ROE) | 10.8419% | 1,768 |
| Retained earnings to average equity (ytd only) | 4.0080% | 3,356 |
| Net charge-offs to loans | 0.3943% | 1,085 |
| Credit loss provision to net charge-offs | 63.5593% | 3,218 |
| Earnings coverage of net charge-offs (x) | 6.8695% | 3,128 |
| Efficiency ratio | 58.5498% | 5,402 |
| Assets per employee ($millions) | 5.5829% | 1,701 |
| Cash dividends to net income (ytd only)* | 63.0320% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9473% | 1,209 |
| Loan loss allowance to noncurrent loans | 253.4498% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 4,314 |
| Noncurrent loans to loans | 0.7683% | 3,394 |
| Net loans and leases to total assets | 54.5285% | 4,510 |
| Net loans and leases to deposits | 60.5938% | 4,848 |
| Net loans and leases to core deposits | 62.0467% | 4,995 |
| Total domestic deposits to total assets | 89.9903% | 735 |
| Equity capital to assets | 8.6358% | 5,619 |
| Core capital (leverage) ratio | 9.5769% | 4,139 |
| Tier 1 risk-based capital ratio | 14.6527% | 3,695 |
| Total risk-based capital ratio | 15.9101% | 3,618 |
| Memoranda: | ||
| Average total assets | $246,672,400 | 2,554 |
| Average earning assets | $232,014,000 | 2,499 |
| Average equity | $22,754,400 | 2,874 |
| Average total loans | $149,634,600 | 2,573 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 4,042 |
| Cost of funding earning assets | 0.2921% | 4,967 |
| Net interest margin | 3.6401% | 3,270 |
| Noninterest income to average assets | 0.6254% | 2,713 |
| Noninterest expense to average assets | 2.3623% | 4,938 |
| Loan and lease loss provision to assets | 0.1492% | 1,677 |
| Net operating income to assets | 1.0094% | 2,416 |
| Return on assets (ROA) | 1.0159% | 2,440 |
| Pretax return on assets | 1.5391% | 1,512 |
| Return on Equity (ROE) | 10.8218% | 1,866 |
| Retained earnings to average equity (ytd only) | 4.9607% | 3,103 |
| Net charge-offs to loans | 0.5376% | 711 |
| Credit loss provision to net charge-offs | 44.7020% | 3,204 |
| Earnings coverage of net charge-offs (x) | 5.0298% | 3,334 |
| Efficiency ratio | 58.4632% | 5,382 |
| Assets per employee ($millions) | 4.8219% | 2,491 |
| Cash dividends to net income (ytd only)* | 54.1600% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8672% | 1,535 |
| Loan loss allowance to noncurrent loans | 273.3792% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 4,369 |
| Noncurrent loans to loans | 0.6830% | 3,898 |
| Net loans and leases to total assets | 63.1949% | 3,317 |
| Net loans and leases to deposits | 70.4992% | 3,866 |
| Net loans and leases to core deposits | 72.9431% | 4,058 |
| Total domestic deposits to total assets | 89.6392% | 916 |
| Equity capital to assets | 9.9676% | 4,203 |
| Core capital (leverage) ratio | 9.7600% | 3,982 |
| Tier 1 risk-based capital ratio | 14.4973% | 3,886 |
| Total risk-based capital ratio | 15.7539% | 3,823 |
| Memoranda: | ||
| Average total assets | $241,345,750 | 2,616 |
| Average earning assets | $226,436,750 | 2,576 |
| Average equity | $22,657,500 | 2,885 |
| Average total loans | $149,786,500 | 2,580 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8757% | 4,242 |
| Cost of funding earning assets | 0.2873% | 5,103 |
| Net interest margin | 3.5883% | 3,411 |
| Noninterest income to average assets | 0.6009% | 2,813 |
| Noninterest expense to average assets | 2.3160% | 5,117 |
| Loan and lease loss provision to assets | 0.1472% | 1,678 |
| Net operating income to assets | 0.9942% | 2,346 |
| Return on assets (ROA) | 1.0039% | 2,374 |
| Pretax return on assets | 1.5214% | 1,472 |
| Return on Equity (ROE) | 10.9059% | 1,769 |
| Retained earnings to average equity (ytd only) | 5.0089% | 2,953 |
| Net charge-offs to loans | 0.7532% | 507 |
| Credit loss provision to net charge-offs | 31.8584% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3.5805% | 3,268 |
| Efficiency ratio | 58.3402% | 5,512 |
| Assets per employee ($millions) | 4.8835% | 2,360 |
| Cash dividends to net income (ytd only)* | 54.0717% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 1,756 |
| Loan loss allowance to noncurrent loans | 250.1832% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 4,512 |
| Noncurrent loans to loans | 0.7322% | 3,867 |
| Net loans and leases to total assets | 62.4598% | 3,335 |
| Net loans and leases to deposits | 69.4445% | 3,890 |
| Net loans and leases to core deposits | 71.8216% | 4,068 |
| Total domestic deposits to total assets | 89.9420% | 843 |
| Equity capital to assets | 9.7265% | 4,458 |
| Core capital (leverage) ratio | 9.3948% | 4,475 |
| Tier 1 risk-based capital ratio | 14.4237% | 3,978 |
| Total risk-based capital ratio | 15.6798% | 3,918 |
| Memoranda: | ||
| Average total assets | $244,644,670 | 2,594 |
| Average earning assets | $229,688,000 | 2,548 |
| Average equity | $22,520,000 | 2,895 |
| Average total loans | $150,033,000 | 2,577 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8041% | 4,474 |
| Cost of funding earning assets | 0.2810% | 5,274 |
| Net interest margin | 3.5231% | 3,592 |
| Noninterest income to average assets | 0.5846% | 2,831 |
| Noninterest expense to average assets | 2.3014% | 5,191 |
| Loan and lease loss provision to assets | 0.1441% | 1,692 |
| Net operating income to assets | 0.9611% | 2,352 |
| Return on assets (ROA) | 0.9801% | 2,343 |
| Pretax return on assets | 1.4814% | 1,485 |
| Return on Equity (ROE) | 10.9383% | 1,706 |
| Retained earnings to average equity (ytd only) | 5.0045% | 3,109 |
| Net charge-offs to loans | 0.4758% | 767 |
| Credit loss provision to net charge-offs | 50.2793% | 2,199 |
| Earnings coverage of net charge-offs (x) | 5.5698% | 2,357 |
| Efficiency ratio | 59.0386% | 5,535 |
| Assets per employee ($millions) | 5.1549% | 2,059 |
| Cash dividends to net income (ytd only)* | 54.2484% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0460% | 1,427 |
| Loan loss allowance to noncurrent loans | 297.1541% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 4,744 |
| Noncurrent loans to loans | 0.6885% | 4,149 |
| Net loans and leases to total assets | 59.8350% | 3,586 |
| Net loans and leases to deposits | 66.1741% | 4,074 |
| Net loans and leases to core deposits | 68.6494% | 4,242 |
| Total domestic deposits to total assets | 90.4205% | 848 |
| Equity capital to assets | 9.2897% | 4,769 |
| Core capital (leverage) ratio | 9.1473% | 4,801 |
| Tier 1 risk-based capital ratio | 14.4606% | 4,025 |
| Total risk-based capital ratio | 15.7191% | 3,982 |
| Memoranda: | ||
| Average total assets | $249,762,000 | 2,559 |
| Average earning assets | $234,907,000 | 2,495 |
| Average equity | $22,380,000 | 2,903 |
| Average total loans | $150,477,500 | 2,574 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 4,350 |
| Cost of funding earning assets | 0.3302% | 5,322 |
| Net interest margin | 3.6002% | 3,466 |
| Noninterest income to average assets | 0.6209% | 2,968 |
| Noninterest expense to average assets | 4.2281% | 679 |
| Loan and lease loss provision to assets | 0.3591% | 871 |
| Net operating income to assets | -0.4067% | 6,460 |
| Return on assets (ROA) | -0.4067% | 6,471 |
| Pretax return on assets | -0.6584% | 6,527 |
| Return on Equity (ROE) | -4.2238% | 6,461 |
| Retained earnings to average equity (ytd only) | -4.2238% | 6,328 |
| Net charge-offs to loans | 0.5575% | 1,182 |
| Credit loss provision to net charge-offs | 108.1409% | 2,221 |
| Earnings coverage of net charge-offs (x) | -0.9016% | 5,253 |
| Efficiency ratio | 107.6196% | 311 |
| Assets per employee ($millions) | 5.4733% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0378% | 1,467 |
| Loan loss allowance to noncurrent loans | 265.2766% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5536% | 4,570 |
| Noncurrent loans to loans | 0.7682% | 4,046 |
| Net loans and leases to total assets | 58.2489% | 3,995 |
| Net loans and leases to deposits | 64.7841% | 4,436 |
| Net loans and leases to core deposits | 67.3288% | 4,580 |
| Total domestic deposits to total assets | 89.9124% | 1,122 |
| Equity capital to assets | 8.6505% | 5,422 |
| Core capital (leverage) ratio | 8.9603% | 5,061 |
| Tier 1 risk-based capital ratio | 13.9457% | 4,330 |
| Total risk-based capital ratio | 15.2046% | 4,264 |
| Memoranda: | ||
| Average total assets | $247,864,200 | 2,549 |
| Average earning assets | $227,736,400 | 2,536 |
| Average equity | $23,864,600 | 2,741 |
| Average total loans | $147,615,600 | 2,590 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9543% | 4,303 |
| Cost of funding earning assets | 0.3431% | 5,357 |
| Net interest margin | 3.6112% | 3,396 |
| Noninterest income to average assets | 0.6289% | 3,001 |
| Noninterest expense to average assets | 2.2195% | 5,556 |
| Loan and lease loss provision to assets | 0.2199% | 1,656 |
| Net operating income to assets | 0.9894% | 2,413 |
| Return on assets (ROA) | 0.9894% | 2,516 |
| Pretax return on assets | 1.4820% | 1,659 |
| Return on Equity (ROE) | 10.0104% | 2,179 |
| Retained earnings to average equity (ytd only) | 10.0104% | 788 |
| Net charge-offs to loans | 0.2434% | 2,352 |
| Credit loss provision to net charge-offs | 151.6854% | 1,554 |
| Earnings coverage of net charge-offs (x) | 11.7379% | 2,206 |
| Efficiency ratio | 56.5988% | 5,843 |
| Assets per employee ($millions) | 5.1734% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1059% | 1,491 |
| Loan loss allowance to noncurrent loans | 184.8116% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 4,095 |
| Noncurrent loans to loans | 1.1395% | 3,524 |
| Net loans and leases to total assets | 60.9474% | 3,529 |
| Net loans and leases to deposits | 68.1965% | 4,040 |
| Net loans and leases to core deposits | 71.1072% | 4,200 |
| Total domestic deposits to total assets | 89.3703% | 1,373 |
| Equity capital to assets | 10.3254% | 3,474 |
| Core capital (leverage) ratio | 10.1139% | 3,505 |
| Tier 1 risk-based capital ratio | 15.8398% | 3,277 |
| Total risk-based capital ratio | 17.0994% | 3,225 |
| Memoranda: | ||
| Average total assets | $245,518,750 | 2,586 |
| Average earning assets | $223,854,750 | 2,590 |
| Average equity | $24,267,500 | 2,732 |
| Average total loans | $146,279,500 | 2,632 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9251% | 4,379 |
| Cost of funding earning assets | 0.3507% | 5,399 |
| Net interest margin | 3.5744% | 3,471 |
| Noninterest income to average assets | 0.6204% | 3,075 |
| Noninterest expense to average assets | 2.1469% | 5,755 |
| Loan and lease loss provision to assets | 0.2192% | 1,733 |
| Net operating income to assets | 0.9914% | 2,366 |
| Return on assets (ROA) | 0.9914% | 2,506 |
| Pretax return on assets | 1.4900% | 1,646 |
| Return on Equity (ROE) | 10.1801% | 2,132 |
| Retained earnings to average equity (ytd only) | 10.1801% | 808 |
| Net charge-offs to loans | 0.2047% | 2,529 |
| Credit loss provision to net charge-offs | 182.4324% | 1,303 |
| Earnings coverage of net charge-offs (x) | 14.2230% | 1,840 |
| Efficiency ratio | 55.6749% | 6,002 |
| Assets per employee ($millions) | 5.3988% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1692% | 1,485 |
| Loan loss allowance to noncurrent loans | 139.4286% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.2583% | 3,244 |
| Noncurrent loans to loans | 1.5558% | 2,975 |
| Net loans and leases to total assets | 57.6049% | 4,047 |
| Net loans and leases to deposits | 64.1106% | 4,485 |
| Net loans and leases to core deposits | 66.8641% | 4,605 |
| Total domestic deposits to total assets | 89.8524% | 1,119 |
| Equity capital to assets | 9.8774% | 4,084 |
| Core capital (leverage) ratio | 9.7370% | 3,888 |
| Tier 1 risk-based capital ratio | 15.9084% | 3,251 |
| Total risk-based capital ratio | 17.1686% | 3,186 |
| Memoranda: | ||
| Average total assets | $246,308,670 | 2,585 |
| Average earning assets | $222,976,000 | 2,609 |
| Average equity | $23,988,000 | 2,772 |
| Average total loans | $144,579,000 | 2,650 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9260% | 4,378 |
| Cost of funding earning assets | 0.3608% | 5,443 |
| Net interest margin | 3.5652% | 3,405 |
| Noninterest income to average assets | 0.6441% | 2,910 |
| Noninterest expense to average assets | 2.1574% | 5,787 |
| Loan and lease loss provision to assets | 0.2201% | 1,680 |
| Net operating income to assets | 0.9931% | 2,251 |
| Return on assets (ROA) | 0.9931% | 2,373 |
| Pretax return on assets | 1.5052% | 1,542 |
| Return on Equity (ROE) | 10.2711% | 1,966 |
| Retained earnings to average equity (ytd only) | 10.2711% | 1,040 |
| Net charge-offs to loans | 0.3812% | 1,499 |
| Credit loss provision to net charge-offs | 98.5401% | 1,894 |
| Earnings coverage of net charge-offs (x) | 7.7226% | 2,032 |
| Efficiency ratio | 55.5649% | 6,100 |
| Assets per employee ($millions) | 5.6547% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1454% | 1,699 |
| Loan loss allowance to noncurrent loans | 124.6626% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.3424% | 3,274 |
| Noncurrent loans to loans | 1.7210% | 2,964 |
| Net loans and leases to total assets | 55.8752% | 4,104 |
| Net loans and leases to deposits | 62.0185% | 4,540 |
| Net loans and leases to core deposits | 64.7901% | 4,668 |
| Total domestic deposits to total assets | 90.0944% | 986 |
| Equity capital to assets | 9.6508% | 4,639 |
| Core capital (leverage) ratio | 9.6086% | 3,906 |
| Tier 1 risk-based capital ratio | 15.9361% | 3,307 |
| Total risk-based capital ratio | 17.1962% | 3,264 |
| Memoranda: | ||
| Average total assets | $245,290,500 | 2,630 |
| Average earning assets | $222,821,000 | 2,639 |
| Average equity | $23,717,000 | 2,832 |
| Average total loans | $143,753,000 | 2,669 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 3,262 |
| Cost of funding earning assets | 0.4854% | 5,317 |
| Net interest margin | 4.0497% | 2,201 |
| Noninterest income to average assets | 0.5096% | 3,835 |
| Noninterest expense to average assets | 2.4214% | 5,352 |
| Loan and lease loss provision to assets | 0.2998% | 2,278 |
| Net operating income to assets | 0.9926% | 2,373 |
| Return on assets (ROA) | 0.9944% | 2,583 |
| Pretax return on assets | 1.4068% | 2,021 |
| Return on Equity (ROE) | 10.4054% | 1,999 |
| Retained earnings to average equity (ytd only) | 10.4054% | 526 |
| Net charge-offs to loans | 0.5768% | 1,997 |
| Credit loss provision to net charge-offs | 84.4391% | 3,682 |
| Earnings coverage of net charge-offs (x) | 4.7998% | 3,247 |
| Efficiency ratio | 58.6941% | 5,740 |
| Assets per employee ($millions) | 5.1441% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0971% | 1,777 |
| Loan loss allowance to noncurrent loans | 90.5313% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.8033% | 2,709 |
| Noncurrent loans to loans | 2.3165% | 2,333 |
| Net loans and leases to total assets | 58.8924% | 3,820 |
| Net loans and leases to deposits | 65.4014% | 4,371 |
| Net loans and leases to core deposits | 68.3123% | 4,504 |
| Total domestic deposits to total assets | 90.0477% | 924 |
| Equity capital to assets | 9.6876% | 4,608 |
| Core capital (leverage) ratio | 9.9884% | 3,420 |
| Tier 1 risk-based capital ratio | 15.2726% | 3,563 |
| Total risk-based capital ratio | 16.5320% | 3,506 |
| Memoranda: | ||
| Average total assets | $233,504,200 | 2,693 |
| Average earning assets | $208,485,600 | 2,757 |
| Average equity | $22,315,400 | 2,937 |
| Average total loans | $143,713,400 | 2,670 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6177% | 3,141 |
| Cost of funding earning assets | 0.5102% | 5,376 |
| Net interest margin | 4.1075% | 2,064 |
| Noninterest income to average assets | 0.5496% | 3,615 |
| Noninterest expense to average assets | 2.4254% | 5,324 |
| Loan and lease loss provision to assets | 0.2880% | 2,268 |
| Net operating income to assets | 0.9834% | 2,594 |
| Return on assets (ROA) | 0.9857% | 2,809 |
| Pretax return on assets | 1.4944% | 1,905 |
| Return on Equity (ROE) | 10.3512% | 2,195 |
| Retained earnings to average equity (ytd only) | 10.3512% | 828 |
| Net charge-offs to loans | 0.7630% | 1,445 |
| Credit loss provision to net charge-offs | 60.9756% | 4,127 |
| Earnings coverage of net charge-offs (x) | 3.7658% | 3,520 |
| Efficiency ratio | 57.6870% | 5,831 |
| Assets per employee ($millions) | 4.7123% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 2,365 |
| Loan loss allowance to noncurrent loans | 80.2864% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 2.2295% | 2,392 |
| Noncurrent loans to loans | 2.4139% | 2,386 |
| Net loans and leases to total assets | 65.3161% | 2,774 |
| Net loans and leases to deposits | 73.1532% | 3,421 |
| Net loans and leases to core deposits | 77.4186% | 3,542 |
| Total domestic deposits to total assets | 89.2866% | 1,249 |
| Equity capital to assets | 10.3513% | 4,017 |
| Core capital (leverage) ratio | 10.0668% | 3,447 |
| Tier 1 risk-based capital ratio | 14.8737% | 3,937 |
| Total risk-based capital ratio | 16.1317% | 3,889 |
| Memoranda: | ||
| Average total assets | $231,437,000 | 2,736 |
| Average earning assets | $205,927,750 | 2,808 |
| Average equity | $22,038,750 | 2,989 |
| Average total loans | $143,282,750 | 2,707 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5443% | 3,589 |
| Cost of funding earning assets | 0.5252% | 5,455 |
| Net interest margin | 4.0192% | 2,420 |
| Noninterest income to average assets | 0.4388% | 4,372 |
| Noninterest expense to average assets | 2.4033% | 5,453 |
| Loan and lease loss provision to assets | 0.2556% | 2,535 |
| Net operating income to assets | 0.9065% | 2,885 |
| Return on assets (ROA) | 0.9065% | 3,154 |
| Pretax return on assets | 1.3725% | 2,316 |
| Return on Equity (ROE) | 9.7871% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.7871% | 1,037 |
| Net charge-offs to loans | 1.0418% | 1,053 |
| Credit loss provision to net charge-offs | 40.5954% | 4,246 |
| Earnings coverage of net charge-offs (x) | 2.5859% | 3,709 |
| Efficiency ratio | 59.6154% | 5,639 |
| Assets per employee ($millions) | 4.7828% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8875% | 2,594 |
| Loan loss allowance to noncurrent loans | 69.7556% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 2.2964% | 2,439 |
| Noncurrent loans to loans | 2.7059% | 2,222 |
| Net loans and leases to total assets | 62.0372% | 3,428 |
| Net loans and leases to deposits | 68.9148% | 4,055 |
| Net loans and leases to core deposits | 73.0249% | 4,163 |
| Total domestic deposits to total assets | 90.0203% | 913 |
| Equity capital to assets | 9.7001% | 4,761 |
| Core capital (leverage) ratio | 9.4536% | 4,211 |
| Tier 1 risk-based capital ratio | 14.6017% | 4,033 |
| Total risk-based capital ratio | 15.8591% | 3,990 |
| Memoranda: | ||
| Average total assets | $234,756,000 | 2,712 |
| Average earning assets | $209,843,000 | 2,762 |
| Average equity | $21,743,000 | 3,013 |
| Average total loans | $141,870,000 | 2,744 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 3,989 |
| Cost of funding earning assets | 0.5435% | 5,539 |
| Net interest margin | 3.9406% | 2,761 |
| Noninterest income to average assets | 0.4753% | 4,105 |
| Noninterest expense to average assets | 2.3560% | 5,610 |
| Loan and lease loss provision to assets | 0.3371% | 1,859 |
| Net operating income to assets | 0.8848% | 2,993 |
| Return on assets (ROA) | 0.8848% | 3,211 |
| Pretax return on assets | 1.3381% | 2,396 |
| Return on Equity (ROE) | 9.7765% | 2,477 |
| Retained earnings to average equity (ytd only) | 9.7765% | 1,327 |
| Net charge-offs to loans | 1.2780% | 798 |
| Credit loss provision to net charge-offs | 44.6429% | 3,369 |
| Earnings coverage of net charge-offs (x) | 2.2188% | 3,279 |
| Efficiency ratio | 58.4448% | 5,855 |
| Assets per employee ($millions) | 4.8691% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0943% | 2,111 |
| Loan loss allowance to noncurrent loans | 68.0994% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 2.6083% | 2,266 |
| Noncurrent loans to loans | 3.0754% | 2,083 |
| Net loans and leases to total assets | 58.6265% | 3,933 |
| Net loans and leases to deposits | 64.8235% | 4,505 |
| Net loans and leases to core deposits | 68.9437% | 4,571 |
| Total domestic deposits to total assets | 90.4401% | 838 |
| Equity capital to assets | 9.3057% | 5,087 |
| Core capital (leverage) ratio | 8.8691% | 5,036 |
| Tier 1 risk-based capital ratio | 14.5818% | 4,036 |
| Total risk-based capital ratio | 15.8413% | 3,987 |
| Memoranda: | ||
| Average total assets | $237,346,500 | 2,698 |
| Average earning assets | $214,180,000 | 2,721 |
| Average equity | $21,480,000 | 3,044 |
| Average total loans | $140,224,000 | 2,783 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5102% | 5,031 |
| Cost of funding earning assets | 0.8166% | 4,734 |
| Net interest margin | 3.6936% | 4,327 |
| Noninterest income to average assets | 0.4569% | 4,169 |
| Noninterest expense to average assets | 2.2749% | 6,102 |
| Loan and lease loss provision to assets | 1.3831% | 566 |
| Net operating income to assets | 0.1715% | 5,670 |
| Return on assets (ROA) | 0.1732% | 5,809 |
| Pretax return on assets | 0.2068% | 5,765 |
| Return on Equity (ROE) | 1.9904% | 5,663 |
| Retained earnings to average equity (ytd only) | 1.9904% | 4,797 |
| Net charge-offs to loans | 2.6342% | 424 |
| Credit loss provision to net charge-offs | 88.5638% | 4,079 |
| Earnings coverage of net charge-offs (x) | 1.0168% | 5,027 |
| Efficiency ratio | 58.8925% | 5,916 |
| Assets per employee ($millions) | 5.0203% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2627% | 1,686 |
| Loan loss allowance to noncurrent loans | 48.2324% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 3.7759% | 1,536 |
| Noncurrent loans to loans | 4.6912% | 1,257 |
| Net loans and leases to total assets | 56.9841% | 4,545 |
| Net loans and leases to deposits | 64.5692% | 4,929 |
| Net loans and leases to core deposits | 68.4383% | 4,980 |
| Total domestic deposits to total assets | 88.2528% | 2,001 |
| Equity capital to assets | 8.8021% | 5,792 |
| Core capital (leverage) ratio | 8.7529% | 5,166 |
| Tier 1 risk-based capital ratio | 14.1126% | 4,245 |
| Total risk-based capital ratio | 15.3739% | 4,188 |
| Memoranda: | ||
| Average total assets | $240,754,800 | 2,624 |
| Average earning assets | $222,007,800 | 2,588 |
| Average equity | $20,950,400 | 3,016 |
| Average total loans | $142,736,000 | 2,744 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 4,938 |
| Cost of funding earning assets | 0.8899% | 4,473 |
| Net interest margin | 3.6917% | 4,379 |
| Noninterest income to average assets | 0.6564% | 2,843 |
| Noninterest expense to average assets | 2.2661% | 6,131 |
| Loan and lease loss provision to assets | 1.6064% | 404 |
| Net operating income to assets | 0.1239% | 5,904 |
| Return on assets (ROA) | 0.1257% | 6,018 |
| Pretax return on assets | 0.1900% | 5,914 |
| Return on Equity (ROE) | 1.4492% | 5,956 |
| Retained earnings to average equity (ytd only) | 1.4492% | 5,420 |
| Net charge-offs to loans | 2.3392% | 497 |
| Credit loss provision to net charge-offs | 115.3540% | 2,835 |
| Earnings coverage of net charge-offs (x) | 1.2880% | 4,650 |
| Efficiency ratio | 55.8193% | 6,307 |
| Assets per employee ($millions) | 4.9385% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8340% | 1,003 |
| Loan loss allowance to noncurrent loans | 108.6779% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 2.8914% | 2,237 |
| Noncurrent loans to loans | 2.6077% | 2,665 |
| Net loans and leases to total assets | 57.7825% | 4,545 |
| Net loans and leases to deposits | 65.1000% | 5,035 |
| Net loans and leases to core deposits | 70.8575% | 4,849 |
| Total domestic deposits to total assets | 88.7596% | 1,575 |
| Equity capital to assets | 8.8966% | 5,862 |
| Core capital (leverage) ratio | 8.7050% | 5,403 |
| Tier 1 risk-based capital ratio | 13.9590% | 4,387 |
| Total risk-based capital ratio | 15.2270% | 4,338 |
| Memoranda: | ||
| Average total assets | $240,699,500 | 2,641 |
| Average earning assets | $221,898,000 | 2,605 |
| Average equity | $20,885,250 | 3,024 |
| Average total loans | $143,295,750 | 2,758 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 4,930 |
| Cost of funding earning assets | 0.9465% | 4,345 |
| Net interest margin | 3.6622% | 4,457 |
| Noninterest income to average assets | 0.7383% | 2,332 |
| Noninterest expense to average assets | 2.3256% | 6,055 |
| Loan and lease loss provision to assets | 1.6535% | 414 |
| Net operating income to assets | 0.0918% | 6,033 |
| Return on assets (ROA) | 0.0918% | 6,112 |
| Pretax return on assets | 0.1372% | 6,042 |
| Return on Equity (ROE) | 1.0664% | 6,068 |
| Retained earnings to average equity (ytd only) | 1.0664% | 5,437 |
| Net charge-offs to loans | 1.8449% | 740 |
| Credit loss provision to net charge-offs | 150.4891% | 2,030 |
| Earnings coverage of net charge-offs (x) | 1.6298% | 4,072 |
| Efficiency ratio | 56.4973% | 6,364 |
| Assets per employee ($millions) | 4.9861% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0229% | 876 |
| Loan loss allowance to noncurrent loans | 70.4643% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 3.2808% | 2,035 |
| Noncurrent loans to loans | 4.2900% | 1,575 |
| Net loans and leases to total assets | 57.3701% | 4,750 |
| Net loans and leases to deposits | 64.5537% | 5,203 |
| Net loans and leases to core deposits | 71.4100% | 4,898 |
| Total domestic deposits to total assets | 88.8719% | 1,616 |
| Equity capital to assets | 8.7565% | 5,869 |
| Core capital (leverage) ratio | 8.4973% | 5,559 |
| Tier 1 risk-based capital ratio | 14.1481% | 4,062 |
| Total risk-based capital ratio | 15.4191% | 4,009 |
| Memoranda: | ||
| Average total assets | $241,917,330 | 2,633 |
| Average earning assets | $223,145,330 | 2,609 |
| Average equity | $20,817,330 | 3,023 |
| Average total loans | $144,072,330 | 2,770 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6038% | 4,930 |
| Cost of funding earning assets | 1.0110% | 4,123 |
| Net interest margin | 3.5929% | 4,599 |
| Noninterest income to average assets | 0.7911% | 2,067 |
| Noninterest expense to average assets | 2.2285% | 6,362 |
| Loan and lease loss provision to assets | 1.7269% | 342 |
| Net operating income to assets | 0.1003% | 6,096 |
| Return on assets (ROA) | 0.1003% | 6,149 |
| Pretax return on assets | 0.1497% | 6,057 |
| Return on Equity (ROE) | 1.1760% | 6,081 |
| Retained earnings to average equity (ytd only) | 1.1760% | 5,353 |
| Net charge-offs to loans | 2.3728% | 499 |
| Credit loss provision to net charge-offs | 121.8097% | 2,247 |
| Earnings coverage of net charge-offs (x) | 1.3237% | 3,684 |
| Efficiency ratio | 54.2869% | 6,669 |
| Assets per employee ($millions) | 4.8221% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6849% | 1,220 |
| Loan loss allowance to noncurrent loans | 119.8611% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 2.0775% | 3,223 |
| Noncurrent loans to loans | 2.2400% | 3,271 |
| Net loans and leases to total assets | 57.0646% | 4,791 |
| Net loans and leases to deposits | 64.0243% | 5,249 |
| Net loans and leases to core deposits | 71.0703% | 4,923 |
| Total domestic deposits to total assets | 89.1296% | 1,689 |
| Equity capital to assets | 8.6224% | 5,750 |
| Core capital (leverage) ratio | 8.4079% | 5,614 |
| Tier 1 risk-based capital ratio | 13.9749% | 4,089 |
| Total risk-based capital ratio | 15.2417% | 4,058 |
| Memoranda: | ||
| Average total assets | $243,210,000 | 2,636 |
| Average earning assets | $224,334,000 | 2,610 |
| Average equity | $20,747,500 | 3,019 |
| Average total loans | $145,316,000 | 2,785 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2538% | 3,341 |
| Cost of funding earning assets | 1.4757% | 2,782 |
| Net interest margin | 3.7781% | 4,041 |
| Noninterest income to average assets | 0.7760% | 2,397 |
| Noninterest expense to average assets | 2.7077% | 4,958 |
| Loan and lease loss provision to assets | 1.4489% | 1,028 |
| Net operating income to assets | 0.0113% | 5,806 |
| Return on assets (ROA) | 0.0226% | 5,905 |
| Pretax return on assets | 0.0247% | 5,848 |
| Return on Equity (ROE) | 0.2717% | 5,890 |
| Retained earnings to average equity (ytd only) | -1.2202% | 5,840 |
| Net charge-offs to loans | 2.2324% | 872 |
| Credit loss provision to net charge-offs | 100.0294% | 4,559 |
| Earnings coverage of net charge-offs (x) | 1.0088% | 5,103 |
| Efficiency ratio | 64.9494% | 5,176 |
| Assets per employee ($millions) | 4.9063% | 2,285 |
| Cash dividends to net income (ytd only)* | 549.0566% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4174% | 1,528 |
| Loan loss allowance to noncurrent loans | 130.9619% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 1.8878% | 3,501 |
| Noncurrent loans to loans | 1.8459% | 3,757 |
| Net loans and leases to total assets | 59.3695% | 4,776 |
| Net loans and leases to deposits | 66.5307% | 5,333 |
| Net loans and leases to core deposits | 73.5600% | 5,032 |
| Total domestic deposits to total assets | 89.2363% | 1,522 |
| Equity capital to assets | 8.4405% | 5,937 |
| Core capital (leverage) ratio | 8.6438% | 5,115 |
| Tier 1 risk-based capital ratio | 13.0585% | 4,556 |
| Total risk-based capital ratio | 14.3215% | 4,504 |
| Memoranda: | ||
| Average total assets | $234,666,800 | 2,697 |
| Average earning assets | $210,742,600 | 2,750 |
| Average equity | $19,504,800 | 3,214 |
| Average total loans | $152,259,800 | 2,733 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3719% | 3,017 |
| Cost of funding earning assets | 1.5567% | 2,628 |
| Net interest margin | 3.8152% | 3,905 |
| Noninterest income to average assets | 0.7954% | 2,255 |
| Noninterest expense to average assets | 2.4849% | 5,764 |
| Loan and lease loss provision to assets | 1.3505% | 1,012 |
| Net operating income to assets | 0.2384% | 5,398 |
| Return on assets (ROA) | 0.2494% | 5,512 |
| Pretax return on assets | 0.3781% | 5,291 |
| Return on Equity (ROE) | 3.0131% | 5,215 |
| Retained earnings to average equity (ytd only) | 0.9928% | 5,413 |
| Net charge-offs to loans | 2.3327% | 755 |
| Credit loss provision to net charge-offs | 87.7848% | 4,864 |
| Earnings coverage of net charge-offs (x) | 1.1128% | 4,944 |
| Efficiency ratio | 59.2085% | 6,081 |
| Assets per employee ($millions) | 4.5224% | 2,873 |
| Cash dividends to net income (ytd only)* | 67.0509% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1036% | 1,991 |
| Loan loss allowance to noncurrent loans | 62.9438% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 3.1667% | 2,271 |
| Noncurrent loans to loans | 3.3421% | 2,377 |
| Net loans and leases to total assets | 64.9075% | 3,924 |
| Net loans and leases to deposits | 73.1537% | 4,661 |
| Net loans and leases to core deposits | 85.1863% | 3,772 |
| Total domestic deposits to total assets | 88.7276% | 1,547 |
| Equity capital to assets | 9.0727% | 5,485 |
| Core capital (leverage) ratio | 8.9002% | 4,849 |
| Tier 1 risk-based capital ratio | 12.8478% | 4,693 |
| Total risk-based capital ratio | 14.1073% | 4,675 |
| Memoranda: | ||
| Average total assets | $232,004,500 | 2,758 |
| Average earning assets | $206,849,250 | 2,823 |
| Average equity | $19,204,500 | 3,293 |
| Average total loans | $153,012,000 | 2,761 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4579% | 2,714 |
| Cost of funding earning assets | 1.5920% | 2,703 |
| Net interest margin | 3.8659% | 3,606 |
| Noninterest income to average assets | 0.7967% | 2,133 |
| Noninterest expense to average assets | 2.4568% | 5,894 |
| Loan and lease loss provision to assets | 1.4722% | 904 |
| Net operating income to assets | 0.1784% | 5,639 |
| Return on assets (ROA) | 0.1784% | 5,763 |
| Pretax return on assets | 0.2702% | 5,596 |
| Return on Equity (ROE) | 2.2277% | 5,564 |
| Retained earnings to average equity (ytd only) | -0.9192% | 5,952 |
| Net charge-offs to loans | 1.6772% | 1,115 |
| Credit loss provision to net charge-offs | 133.3333% | 3,012 |
| Earnings coverage of net charge-offs (x) | 1.5780% | 4,307 |
| Efficiency ratio | 58.5069% | 6,306 |
| Assets per employee ($millions) | 4.5234% | 2,840 |
| Cash dividends to net income (ytd only)* | 141.2621% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6557% | 1,132 |
| Loan loss allowance to noncurrent loans | 80.9151% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 3.0245% | 2,356 |
| Noncurrent loans to loans | 3.2821% | 2,443 |
| Net loans and leases to total assets | 62.8327% | 4,512 |
| Net loans and leases to deposits | 70.1826% | 5,248 |
| Net loans and leases to core deposits | 82.5903% | 4,333 |
| Total domestic deposits to total assets | 89.5275% | 1,163 |
| Equity capital to assets | 7.8711% | 6,871 |
| Core capital (leverage) ratio | 7.7417% | 6,567 |
| Tier 1 risk-based capital ratio | 11.1766% | 6,064 |
| Total risk-based capital ratio | 12.4423% | 6,036 |
| Memoranda: | ||
| Average total assets | $230,950,330 | 2,796 |
| Average earning assets | $203,265,670 | 2,896 |
| Average equity | $18,494,000 | 3,375 |
| Average total loans | $152,042,330 | 2,799 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5773% | 2,252 |
| Cost of funding earning assets | 1.6102% | 2,895 |
| Net interest margin | 3.9670% | 3,014 |
| Noninterest income to average assets | 0.7464% | 2,319 |
| Noninterest expense to average assets | 2.4578% | 5,882 |
| Loan and lease loss provision to assets | 0.7867% | 1,606 |
| Net operating income to assets | 0.6590% | 3,619 |
| Return on assets (ROA) | 0.6590% | 3,731 |
| Pretax return on assets | 0.9947% | 3,115 |
| Return on Equity (ROE) | 8.1584% | 2,800 |
| Retained earnings to average equity (ytd only) | 1.8611% | 5,002 |
| Net charge-offs to loans | 2.8550% | 556 |
| Credit loss provision to net charge-offs | 41.4365% | 4,617 |
| Earnings coverage of net charge-offs (x) | 0.9383% | 4,208 |
| Efficiency ratio | 57.9794% | 6,489 |
| Assets per employee ($millions) | 4.2365% | 3,400 |
| Cash dividends to net income (ytd only)* | 77.1883% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9546% | 2,296 |
| Loan loss allowance to noncurrent loans | 77.3496% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 2.3132% | 3,132 |
| Noncurrent loans to loans | 2.5269% | 3,147 |
| Net loans and leases to total assets | 65.1449% | 4,071 |
| Net loans and leases to deposits | 72.5446% | 4,981 |
| Net loans and leases to core deposits | 85.3577% | 3,989 |
| Total domestic deposits to total assets | 89.7998% | 1,086 |
| Equity capital to assets | 8.0902% | 6,555 |
| Core capital (leverage) ratio | 7.8476% | 6,437 |
| Tier 1 risk-based capital ratio | 11.1995% | 5,958 |
| Total risk-based capital ratio | 12.4570% | 5,908 |
| Memoranda: | ||
| Average total assets | $228,818,000 | 2,887 |
| Average earning assets | $201,460,500 | 2,975 |
| Average equity | $18,484,000 | 3,401 |
| Average total loans | $152,151,500 | 2,855 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0462% | 1,685 |
| Cost of funding earning assets | 1.8227% | 3,871 |
| Net interest margin | 4.2235% | 1,995 |
| Noninterest income to average assets | 0.8297% | 2,273 |
| Noninterest expense to average assets | 2.8276% | 4,847 |
| Loan and lease loss provision to assets | 1.0953% | 2,082 |
| Net operating income to assets | 0.5228% | 3,639 |
| Return on assets (ROA) | 0.5968% | 3,421 |
| Pretax return on assets | 0.7779% | 3,311 |
| Return on Equity (ROE) | 7.0974% | 2,754 |
| Retained earnings to average equity (ytd only) | -0.6433% | 5,153 |
| Net charge-offs to loans | 0.8455% | 2,712 |
| Credit loss provision to net charge-offs | 183.6582% | 2,231 |
| Earnings coverage of net charge-offs (x) | 2.9798% | 3,587 |
| Efficiency ratio | 61.4078% | 6,261 |
| Assets per employee ($millions) | 4.1612% | 3,504 |
| Cash dividends to net income (ytd only)* | 109.0637% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3684% | 1,389 |
| Loan loss allowance to noncurrent loans | 95.8544% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 2.4661% | 2,825 |
| Noncurrent loans to loans | 2.4708% | 3,078 |
| Net loans and leases to total assets | 64.9695% | 4,379 |
| Net loans and leases to deposits | 74.6140% | 4,936 |
| Net loans and leases to core deposits | 106.4999% | 3,274 |
| Total domestic deposits to total assets | 87.0741% | 2,460 |
| Equity capital to assets | 8.0659% | 6,509 |
| Core capital (leverage) ratio | 7.9483% | 6,264 |
| Tier 1 risk-based capital ratio | 11.2483% | 5,666 |
| Total risk-based capital ratio | 12.5111% | 5,603 |
| Memoranda: | ||
| Average total assets | $223,686,800 | 2,893 |
| Average earning assets | $199,928,000 | 2,969 |
| Average equity | $18,809,800 | 3,372 |
| Average total loans | $157,770,200 | 2,805 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1208% | 1,575 |
| Cost of funding earning assets | 1.8743% | 4,021 |
| Net interest margin | 4.2465% | 1,883 |
| Noninterest income to average assets | 0.6643% | 3,259 |
| Noninterest expense to average assets | 2.5570% | 5,867 |
| Loan and lease loss provision to assets | 0.5396% | 3,231 |
| Net operating income to assets | 0.9101% | 2,391 |
| Return on assets (ROA) | 0.9952% | 2,142 |
| Pretax return on assets | 1.5066% | 1,398 |
| Return on Equity (ROE) | 11.7122% | 1,437 |
| Retained earnings to average equity (ytd only) | 5.5456% | 2,177 |
| Net charge-offs to loans | 0.3921% | 3,698 |
| Credit loss provision to net charge-offs | 192.3077% | 2,352 |
| Earnings coverage of net charge-offs (x) | 6.8334% | 2,532 |
| Efficiency ratio | 57.1486% | 6,851 |
| Assets per employee ($millions) | 4.0007% | 3,733 |
| Cash dividends to net income (ytd only)* | 52.6504% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8087% | 2,250 |
| Loan loss allowance to noncurrent loans | 72.5851% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 2.3900% | 2,884 |
| Noncurrent loans to loans | 2.4919% | 3,024 |
| Net loans and leases to total assets | 72.1147% | 3,008 |
| Net loans and leases to deposits | 83.2688% | 3,782 |
| Net loans and leases to core deposits | 118.5229% | 2,371 |
| Total domestic deposits to total assets | 86.6048% | 2,375 |
| Equity capital to assets | 8.8270% | 5,743 |
| Core capital (leverage) ratio | 8.5524% | 5,394 |
| Tier 1 risk-based capital ratio | 11.6103% | 5,326 |
| Total risk-based capital ratio | 12.8670% | 5,263 |
| Memoranda: | ||
| Average total assets | $222,392,000 | 2,926 |
| Average earning assets | $199,531,750 | 2,993 |
| Average equity | $18,897,250 | 3,384 |
| Average total loans | $159,137,750 | 2,806 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1045% | 1,779 |
| Cost of funding earning assets | 1.8887% | 4,323 |
| Net interest margin | 4.2157% | 1,937 |
| Noninterest income to average assets | 0.8065% | 2,378 |
| Noninterest expense to average assets | 2.4788% | 6,185 |
| Loan and lease loss provision to assets | 0.5377% | 2,881 |
| Net operating income to assets | 1.0575% | 1,923 |
| Return on assets (ROA) | 1.0575% | 1,999 |
| Pretax return on assets | 1.6005% | 1,204 |
| Return on Equity (ROE) | 12.6055% | 1,257 |
| Retained earnings to average equity (ytd only) | 6.3882% | 1,849 |
| Net charge-offs to loans | 0.5685% | 2,627 |
| Credit loss provision to net charge-offs | 133.3333% | 3,495 |
| Earnings coverage of net charge-offs (x) | 5.3022% | 2,861 |
| Efficiency ratio | 53.6879% | 7,361 |
| Assets per employee ($millions) | 3.9427% | 3,794 |
| Cash dividends to net income (ytd only)* | 49.3220% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 2,422 |
| Loan loss allowance to noncurrent loans | 101.0716% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 1.9910% | 3,208 |
| Noncurrent loans to loans | 1.6605% | 4,004 |
| Net loans and leases to total assets | 70.0756% | 3,691 |
| Net loans and leases to deposits | 83.2853% | 3,999 |
| Net loans and leases to core deposits | 118.6840% | 2,485 |
| Total domestic deposits to total assets | 84.1392% | 3,687 |
| Equity capital to assets | 8.6521% | 5,819 |
| Core capital (leverage) ratio | 8.4119% | 5,597 |
| Tier 1 risk-based capital ratio | 11.4809% | 5,404 |
| Total risk-based capital ratio | 12.7355% | 5,314 |
| Memoranda: | ||
| Average total assets | $223,175,670 | 2,934 |
| Average earning assets | $201,721,000 | 2,978 |
| Average equity | $18,722,000 | 3,436 |
| Average total loans | $158,315,330 | 2,850 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0089% | 2,328 |
| Cost of funding earning assets | 1.9151% | 4,554 |
| Net interest margin | 4.0938% | 2,298 |
| Noninterest income to average assets | 0.7648% | 2,507 |
| Noninterest expense to average assets | 2.4798% | 5,913 |
| Loan and lease loss provision to assets | 0.5348% | 2,333 |
| Net operating income to assets | 0.9841% | 2,381 |
| Return on assets (ROA) | 0.9841% | 2,512 |
| Pretax return on assets | 1.4886% | 1,701 |
| Return on Equity (ROE) | 11.9148% | 1,687 |
| Retained earnings to average equity (ytd only) | 5.6337% | 2,804 |
| Net charge-offs to loans | 0.1486% | 3,770 |
| Credit loss provision to net charge-offs | 508.4746% | 1,061 |
| Earnings coverage of net charge-offs (x) | 19.2373% | 1,428 |
| Efficiency ratio | 55.0673% | 7,096 |
| Assets per employee ($millions) | 3.9649% | 3,738 |
| Cash dividends to net income (ytd only)* | 52.7174% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 2,104 |
| Loan loss allowance to noncurrent loans | 124.2383% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.8664% | 3,121 |
| Noncurrent loans to loans | 1.3781% | 4,248 |
| Net loans and leases to total assets | 70.6367% | 3,543 |
| Net loans and leases to deposits | 86.9189% | 3,489 |
| Net loans and leases to core deposits | 123.0940% | 2,157 |
| Total domestic deposits to total assets | 81.2675% | 4,854 |
| Equity capital to assets | 8.4608% | 6,138 |
| Core capital (leverage) ratio | 8.3063% | 5,893 |
| Tier 1 risk-based capital ratio | 11.0315% | 5,885 |
| Total risk-based capital ratio | 12.2863% | 5,781 |
| Memoranda: | ||
| Average total assets | $224,368,500 | 2,940 |
| Average earning assets | $204,895,000 | 2,948 |
| Average equity | $18,531,500 | 3,481 |
| Average total loans | $158,792,500 | 2,868 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3746% | 3,549 |
| Cost of funding earning assets | 2.4425% | 4,514 |
| Net interest margin | 3.9321% | 3,436 |
| Noninterest income to average assets | 0.7580% | 2,735 |
| Noninterest expense to average assets | 2.6666% | 5,392 |
| Loan and lease loss provision to assets | 0.4644% | 2,978 |
| Net operating income to assets | 0.6017% | 4,292 |
| Return on assets (ROA) | 0.6196% | 4,081 |
| Pretax return on assets | 1.2072% | 2,609 |
| Return on Equity (ROE) | 8.4719% | 2,859 |
| Retained earnings to average equity (ytd only) | 3.7477% | 2,803 |
| Net charge-offs to loans | 0.5226% | 2,276 |
| Credit loss provision to net charge-offs | 138.2423% | 3,849 |
| Earnings coverage of net charge-offs (x) | 4.8931% | 3,824 |
| Efficiency ratio | 61.8660% | 5,979 |
| Assets per employee ($millions) | 4.1982% | 3,119 |
| Cash dividends to net income (ytd only)* | 55.7630% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 2,338 |
| Loan loss allowance to noncurrent loans | 79.3818% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.8584% | 2,656 |
| Noncurrent loans to loans | 1.9859% | 2,784 |
| Net loans and leases to total assets | 68.6027% | 4,344 |
| Net loans and leases to deposits | 81.1749% | 4,844 |
| Net loans and leases to core deposits | 121.8536% | 2,521 |
| Total domestic deposits to total assets | 84.5122% | 3,072 |
| Equity capital to assets | 8.0622% | 6,758 |
| Core capital (leverage) ratio | 7.2660% | 7,452 |
| Tier 1 risk-based capital ratio | 10.7887% | 5,928 |
| Total risk-based capital ratio | 12.0419% | 5,824 |
| Memoranda: | ||
| Average total assets | $250,652,600 | 2,561 |
| Average earning assets | $226,446,000 | 2,583 |
| Average equity | $18,331,200 | 3,503 |
| Average total loans | $161,105,600 | 2,759 |