Home > Citizens Bank of the South > Performance and Condition Ratios
Citizens Bank of the South, 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 | 5.3650% | 1,366 |
| Cost of funding earning assets | 0.6056% | 4,061 |
| Net interest margin | 4.7593% | 438 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 3.0699% | 1,013 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.3665% | 1,287 |
| Return on assets (ROA) | 1.3665% | 1,253 |
| Pretax return on assets | 1.7596% | 944 |
| Return on Equity (ROE) | 12.0900% | 1,931 |
| Retained earnings to average equity (ytd only) | 9.1902% | 1,212 |
| Net charge-offs to loans | -0.0427% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.4839% | 2,781 |
| Assets per employee ($millions) | 5.1763% | 3,499 |
| Cash dividends to net income (ytd only)* | 24.0129% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 1,274 |
| Loan loss allowance to noncurrent loans | 462.3944% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 2,078 |
| Noncurrent loans to loans | 0.3096% | 2,079 |
| Net loans and leases to total assets | 72.7800% | 1,491 |
| Net loans and leases to deposits | 83.2852% | 1,834 |
| Net loans and leases to core deposits | 85.2357% | 2,363 |
| Total domestic deposits to total assets | 87.3900% | 1,561 |
| Equity capital to assets | 12.3568% | 1,019 |
| Core capital (leverage) ratio | 12.8041% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6310% | 634 |
| Memoranda: | ||
| Average total assets | $316,946,600 | 2,334 |
| Average earning assets | $299,853,200 | 2,307 |
| Average equity | $35,809,800 | 2,022 |
| Average total loans | $213,188,800 | 2,208 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2732% | 1,325 |
| Cost of funding earning assets | 0.5326% | 4,089 |
| Net interest margin | 4.7406% | 439 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 3.0953% | 933 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.3361% | 1,456 |
| Return on assets (ROA) | 1.3361% | 1,440 |
| Pretax return on assets | 1.7425% | 1,099 |
| Return on Equity (ROE) | 12.1000% | 2,094 |
| Retained earnings to average equity (ytd only) | 8.1587% | 1,904 |
| Net charge-offs to loans | -0.0714% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.3242% | 2,583 |
| Assets per employee ($millions) | 5.0065% | 3,600 |
| Cash dividends to net income (ytd only)* | 32.5815% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 1,331 |
| Loan loss allowance to noncurrent loans | 517.8689% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 2,060 |
| Noncurrent loans to loans | 0.2762% | 2,248 |
| Net loans and leases to total assets | 71.2700% | 1,656 |
| Net loans and leases to deposits | 81.3818% | 1,945 |
| Net loans and leases to core deposits | 83.5129% | 2,358 |
| Total domestic deposits to total assets | 87.5800% | 1,710 |
| Equity capital to assets | 12.0103% | 1,037 |
| Core capital (leverage) ratio | 12.1802% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4608% | 666 |
| Memoranda: | ||
| Average total assets | $318,539,500 | 2,327 |
| Average earning assets | $301,418,000 | 2,300 |
| Average equity | $35,168,000 | 2,042 |
| Average total loans | $209,153,750 | 2,229 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1226% | 1,330 |
| Cost of funding earning assets | 0.4687% | 4,040 |
| Net interest margin | 4.6539% | 492 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 3.0453% | 969 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.2926% | 1,590 |
| Return on assets (ROA) | 1.2926% | 1,575 |
| Pretax return on assets | 1.6982% | 1,216 |
| Return on Equity (ROE) | 12.0400% | 2,148 |
| Retained earnings to average equity (ytd only) | 6.0408% | 2,603 |
| Net charge-offs to loans | -0.1111% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.4533% | 2,547 |
| Assets per employee ($millions) | 5.3360% | 3,296 |
| Cash dividends to net income (ytd only)* | 49.8323% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 1,225 |
| Loan loss allowance to noncurrent loans | 513.2787% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 2,054 |
| Noncurrent loans to loans | 0.2893% | 2,100 |
| Net loans and leases to total assets | 64.8800% | 2,293 |
| Net loans and leases to deposits | 73.1726% | 2,569 |
| Net loans and leases to core deposits | 75.2401% | 2,811 |
| Total domestic deposits to total assets | 88.6700% | 1,359 |
| Equity capital to assets | 11.0668% | 1,368 |
| Core capital (leverage) ratio | 11.6660% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4154% | 678 |
| Memoranda: | ||
| Average total assets | $322,920,667 | 2,311 |
| Average earning assets | $305,937,333 | 2,279 |
| Average equity | $34,664,333 | 2,068 |
| Average total loans | $205,266,000 | 2,253 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 1,438 |
| Cost of funding earning assets | 0.3969% | 3,973 |
| Net interest margin | 4.4891% | 592 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 3.0157% | 1,035 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.1939% | 1,948 |
| Return on assets (ROA) | 1.1939% | 1,907 |
| Pretax return on assets | 1.5738% | 1,520 |
| Return on Equity (ROE) | 11.2900% | 2,413 |
| Retained earnings to average equity (ytd only) | -0.8401% | 4,110 |
| Net charge-offs to loans | 0.1047% | 582 |
| Credit loss provision to net charge-offs | 84.9057% | 1,191 |
| Earnings coverage of net charge-offs (x) | 24.9245% | 1,380 |
| Efficiency ratio | 64.9230% | 2,339 |
| Assets per employee ($millions) | 5.2650% | 3,450 |
| Cash dividends to net income (ytd only)* | 107.4380% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 1,496 |
| Loan loss allowance to noncurrent loans | 458.2418% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 2,147 |
| Noncurrent loans to loans | 0.3124% | 2,027 |
| Net loans and leases to total assets | 62.5800% | 2,401 |
| Net loans and leases to deposits | 70.1922% | 2,592 |
| Net loans and leases to core deposits | 72.2356% | 2,802 |
| Total domestic deposits to total assets | 89.1600% | 1,486 |
| Equity capital to assets | 10.7027% | 1,453 |
| Core capital (leverage) ratio | 11.1913% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2257% | 718 |
| Memoranda: | ||
| Average total assets | $324,302,500 | 2,344 |
| Average earning assets | $307,414,000 | 2,303 |
| Average equity | $34,281,000 | 2,102 |
| Average total loans | $202,472,000 | 2,288 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 1,616 |
| Cost of funding earning assets | 0.1333% | 4,215 |
| Net interest margin | 3.9064% | 943 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.7546% | 1,428 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.9829% | 2,629 |
| Return on assets (ROA) | 0.9829% | 2,581 |
| Pretax return on assets | 1.2592% | 2,238 |
| Return on Equity (ROE) | 9.9700% | 2,818 |
| Retained earnings to average equity (ytd only) | 9.9745% | 1,162 |
| Net charge-offs to loans | 0.0195% | 1,708 |
| Credit loss provision to net charge-offs | 538.4615% | 647 |
| Earnings coverage of net charge-offs (x) | 113.1282% | 913 |
| Efficiency ratio | 67.5684% | 2,014 |
| Assets per employee ($millions) | 5.3679% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 1,323 |
| Loan loss allowance to noncurrent loans | 438.1737% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 2,071 |
| Noncurrent loans to loans | 0.3323% | 1,961 |
| Net loans and leases to total assets | 60.5000% | 2,597 |
| Net loans and leases to deposits | 67.6162% | 2,757 |
| Net loans and leases to core deposits | 69.5979% | 2,907 |
| Total domestic deposits to total assets | 89.4800% | 1,568 |
| Equity capital to assets | 10.4412% | 1,480 |
| Core capital (leverage) ratio | 10.9495% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5664% | 666 |
| Memoranda: | ||
| Average total assets | $333,692,400 | 2,284 |
| Average earning assets | $316,581,800 | 2,256 |
| Average equity | $32,884,000 | 2,203 |
| Average total loans | $200,178,600 | 2,229 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8596% | 1,586 |
| Cost of funding earning assets | 0.1094% | 4,205 |
| Net interest margin | 3.7503% | 1,034 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.7501% | 1,350 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8173% | 3,181 |
| Return on assets (ROA) | 0.8173% | 3,146 |
| Pretax return on assets | 1.0988% | 2,729 |
| Return on Equity (ROE) | 8.4200% | 3,194 |
| Retained earnings to average equity (ytd only) | 8.4156% | 1,847 |
| Net charge-offs to loans | -0.0247% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.2530% | 1,727 |
| Assets per employee ($millions) | 5.5208% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 1,326 |
| Loan loss allowance to noncurrent loans | 684.7222% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 2,698 |
| Noncurrent loans to loans | 0.2172% | 2,526 |
| Net loans and leases to total assets | 59.1500% | 2,589 |
| Net loans and leases to deposits | 65.8669% | 2,730 |
| Net loans and leases to core deposits | 69.4634% | 2,682 |
| Total domestic deposits to total assets | 89.8100% | 1,738 |
| Equity capital to assets | 9.9418% | 1,656 |
| Core capital (leverage) ratio | 10.2696% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9725% | 732 |
| Memoranda: | ||
| Average total assets | $335,254,750 | 2,298 |
| Average earning assets | $318,155,750 | 2,261 |
| Average equity | $32,557,750 | 2,249 |
| Average total loans | $199,963,000 | 2,230 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6616% | 1,648 |
| Cost of funding earning assets | 0.1102% | 4,078 |
| Net interest margin | 3.5514% | 1,179 |
| Noninterest income to average assets | 0.3446% | 3,086 |
| Noninterest expense to average assets | 2.7042% | 1,383 |
| Loan and lease loss provision to assets | 0.0683% | 1,390 |
| Net operating income to assets | 0.7124% | 3,266 |
| Return on assets (ROA) | 0.7124% | 3,220 |
| Pretax return on assets | 0.9430% | 2,916 |
| Return on Equity (ROE) | 7.3937% | 3,186 |
| Retained earnings to average equity (ytd only) | 7.3937% | 1,855 |
| Net charge-offs to loans | -0.0260% | 3,992 |
| Credit loss provision to net charge-offs | -442.3077% | 3,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7811% | 1,657 |
| Assets per employee ($millions) | 5.4842% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 1,537 |
| Loan loss allowance to noncurrent loans | 711.7936% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 2,857 |
| Noncurrent loans to loans | 0.2046% | 2,691 |
| Net loans and leases to total assets | 58.6084% | 2,470 |
| Net loans and leases to deposits | 64.9714% | 2,646 |
| Net loans and leases to core deposits | 68.5696% | 2,598 |
| Total domestic deposits to total assets | 90.2065% | 1,628 |
| Equity capital to assets | 9.6853% | 1,890 |
| Core capital (leverage) ratio | 9.7176% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0272% | 849 |
| Memoranda: | ||
| Average total assets | $336,590,000 | 2,301 |
| Average earning assets | $319,478,667 | 2,274 |
| Average equity | $32,433,000 | 2,297 |
| Average total loans | $200,314,667 | 2,234 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5818% | 1,557 |
| Cost of funding earning assets | 0.1097% | 4,016 |
| Net interest margin | 3.4721% | 1,140 |
| Noninterest income to average assets | 0.3365% | 3,075 |
| Noninterest expense to average assets | 2.7392% | 1,277 |
| Loan and lease loss provision to assets | 0.0711% | 1,157 |
| Net operating income to assets | 0.6386% | 3,265 |
| Return on assets (ROA) | 0.6386% | 3,248 |
| Pretax return on assets | 0.8246% | 3,029 |
| Return on Equity (ROE) | 6.6443% | 3,146 |
| Retained earnings to average equity (ytd only) | 6.6443% | 2,015 |
| Net charge-offs to loans | -0.0239% | 3,991 |
| Credit loss provision to net charge-offs | -500.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3585% | 1,594 |
| Assets per employee ($millions) | 5.6475% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 1,932 |
| Loan loss allowance to noncurrent loans | 341.9589% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 2,198 |
| Noncurrent loans to loans | 0.4073% | 2,035 |
| Net loans and leases to total assets | 57.1797% | 2,394 |
| Net loans and leases to deposits | 63.0660% | 2,618 |
| Net loans and leases to core deposits | 66.3731% | 2,602 |
| Total domestic deposits to total assets | 90.6665% | 1,203 |
| Equity capital to assets | 9.1973% | 2,528 |
| Core capital (leverage) ratio | 9.9242% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3764% | 983 |
| Memoranda: | ||
| Average total assets | $337,615,500 | 2,311 |
| Average earning assets | $320,732,000 | 2,280 |
| Average equity | $32,449,000 | 2,360 |
| Average total loans | $200,989,500 | 2,223 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 1,093 |
| Cost of funding earning assets | 0.1582% | 3,889 |
| Net interest margin | 3.9832% | 739 |
| Noninterest income to average assets | 0.3653% | 3,245 |
| Noninterest expense to average assets | 2.8225% | 1,306 |
| Loan and lease loss provision to assets | 0.1745% | 656 |
| Net operating income to assets | 0.8902% | 3,080 |
| Return on assets (ROA) | 0.8902% | 3,137 |
| Pretax return on assets | 1.1390% | 2,860 |
| Return on Equity (ROE) | 8.7022% | 3,011 |
| Retained earnings to average equity (ytd only) | 4.6722% | 2,936 |
| Net charge-offs to loans | 0.2072% | 457 |
| Credit loss provision to net charge-offs | 131.5789% | 1,568 |
| Earnings coverage of net charge-offs (x) | 9.9019% | 2,239 |
| Efficiency ratio | 68.2422% | 1,944 |
| Assets per employee ($millions) | 5.3292% | 3,443 |
| Cash dividends to net income (ytd only)* | 46.3102% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 1,972 |
| Loan loss allowance to noncurrent loans | 332.4487% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 1,969 |
| Noncurrent loans to loans | 0.4167% | 2,108 |
| Net loans and leases to total assets | 60.3481% | 2,125 |
| Net loans and leases to deposits | 67.3533% | 2,371 |
| Net loans and leases to core deposits | 71.3018% | 2,322 |
| Total domestic deposits to total assets | 89.5993% | 1,175 |
| Equity capital to assets | 10.0571% | 2,602 |
| Core capital (leverage) ratio | 9.9735% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4401% | 976 |
| Memoranda: | ||
| Average total assets | $315,112,600 | 2,365 |
| Average earning assets | $298,301,800 | 2,341 |
| Average equity | $32,233,200 | 2,415 |
| Average total loans | $201,721,800 | 2,223 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 1,471 |
| Cost of funding earning assets | 0.1691% | 3,933 |
| Net interest margin | 3.8603% | 1,006 |
| Noninterest income to average assets | 0.3655% | 3,268 |
| Noninterest expense to average assets | 2.8464% | 1,226 |
| Loan and lease loss provision to assets | 0.0960% | 1,246 |
| Net operating income to assets | 0.8180% | 3,479 |
| Return on assets (ROA) | 0.8180% | 3,553 |
| Pretax return on assets | 1.0748% | 3,255 |
| Return on Equity (ROE) | 7.9621% | 3,411 |
| Retained earnings to average equity (ytd only) | 6.2352% | 2,730 |
| Net charge-offs to loans | 0.2088% | 397 |
| Credit loss provision to net charge-offs | 70.9779% | 1,755 |
| Earnings coverage of net charge-offs (x) | 8.6593% | 2,097 |
| Efficiency ratio | 70.8568% | 1,510 |
| Assets per employee ($millions) | 5.2626% | 3,442 |
| Cash dividends to net income (ytd only)* | 21.6893% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,740 |
| Loan loss allowance to noncurrent loans | 354.6218% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 2,367 |
| Noncurrent loans to loans | 0.3524% | 2,513 |
| Net loans and leases to total assets | 61.3239% | 2,102 |
| Net loans and leases to deposits | 68.5067% | 2,392 |
| Net loans and leases to core deposits | 72.5986% | 2,365 |
| Total domestic deposits to total assets | 89.5152% | 998 |
| Equity capital to assets | 10.1011% | 2,803 |
| Core capital (leverage) ratio | 10.2680% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1682% | 1,103 |
| Memoranda: | ||
| Average total assets | $312,619,750 | 2,401 |
| Average earning assets | $295,720,250 | 2,377 |
| Average equity | $32,118,000 | 2,452 |
| Average total loans | $202,417,750 | 2,258 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 1,356 |
| Cost of funding earning assets | 0.1854% | 3,896 |
| Net interest margin | 3.9100% | 954 |
| Noninterest income to average assets | 0.3564% | 3,332 |
| Noninterest expense to average assets | 2.8812% | 1,183 |
| Loan and lease loss provision to assets | 0.0974% | 1,296 |
| Net operating income to assets | 0.8057% | 3,497 |
| Return on assets (ROA) | 0.8057% | 3,570 |
| Pretax return on assets | 1.0738% | 3,290 |
| Return on Equity (ROE) | 7.7957% | 3,457 |
| Retained earnings to average equity (ytd only) | 5.1825% | 3,121 |
| Net charge-offs to loans | 0.2046% | 419 |
| Credit loss provision to net charge-offs | 72.4638% | 1,512 |
| Earnings coverage of net charge-offs (x) | 8.7150% | 1,866 |
| Efficiency ratio | 71.0990% | 1,516 |
| Assets per employee ($millions) | 5.0674% | 3,599 |
| Cash dividends to net income (ytd only)* | 33.5214% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 2,553 |
| Loan loss allowance to noncurrent loans | 410.7200% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 2,358 |
| Noncurrent loans to loans | 0.3108% | 2,810 |
| Net loans and leases to total assets | 62.1782% | 2,158 |
| Net loans and leases to deposits | 69.4393% | 2,472 |
| Net loans and leases to core deposits | 73.6330% | 2,446 |
| Total domestic deposits to total assets | 89.5432% | 1,009 |
| Equity capital to assets | 10.1013% | 2,763 |
| Core capital (leverage) ratio | 10.1333% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4813% | 1,041 |
| Memoranda: | ||
| Average total assets | $308,065,667 | 2,410 |
| Average earning assets | $291,198,333 | 2,395 |
| Average equity | $31,838,000 | 2,456 |
| Average total loans | $202,350,000 | 2,266 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 1,249 |
| Cost of funding earning assets | 0.2017% | 3,898 |
| Net interest margin | 3.9703% | 887 |
| Noninterest income to average assets | 0.3359% | 3,423 |
| Noninterest expense to average assets | 2.8168% | 1,330 |
| Loan and lease loss provision to assets | 0.0992% | 1,362 |
| Net operating income to assets | 0.8821% | 3,174 |
| Return on assets (ROA) | 0.8821% | 3,255 |
| Pretax return on assets | 1.1690% | 2,928 |
| Return on Equity (ROE) | 8.4342% | 3,204 |
| Retained earnings to average equity (ytd only) | 3.1739% | 3,728 |
| Net charge-offs to loans | 0.1990% | 408 |
| Credit loss provision to net charge-offs | 74.2574% | 1,233 |
| Earnings coverage of net charge-offs (x) | 9.4950% | 1,537 |
| Efficiency ratio | 68.9544% | 1,819 |
| Assets per employee ($millions) | 4.9597% | 3,706 |
| Cash dividends to net income (ytd only)* | 62.3688% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 2,456 |
| Loan loss allowance to noncurrent loans | 197.8675% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5725% | 1,656 |
| Noncurrent loans to loans | 0.6548% | 1,933 |
| Net loans and leases to total assets | 63.3438% | 2,121 |
| Net loans and leases to deposits | 70.6271% | 2,446 |
| Net loans and leases to core deposits | 74.8549% | 2,441 |
| Total domestic deposits to total assets | 89.6877% | 977 |
| Equity capital to assets | 10.1353% | 2,571 |
| Core capital (leverage) ratio | 10.6258% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5864% | 1,147 |
| Memoranda: | ||
| Average total assets | $302,475,000 | 2,429 |
| Average earning assets | $285,622,500 | 2,406 |
| Average equity | $31,633,000 | 2,455 |
| Average total loans | $202,990,500 | 2,260 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 806 |
| Cost of funding earning assets | 0.4951% | 2,980 |
| Net interest margin | 4.2565% | 555 |
| Noninterest income to average assets | 0.3448% | 3,401 |
| Noninterest expense to average assets | 2.9670% | 1,511 |
| Loan and lease loss provision to assets | 0.2227% | 1,761 |
| Net operating income to assets | 0.9077% | 2,660 |
| Return on assets (ROA) | 0.9085% | 2,790 |
| Pretax return on assets | 1.1654% | 2,454 |
| Return on Equity (ROE) | 8.5063% | 2,603 |
| Retained earnings to average equity (ytd only) | 7.1469% | 1,342 |
| Net charge-offs to loans | 0.2369% | 740 |
| Credit loss provision to net charge-offs | 138.0952% | 2,496 |
| Earnings coverage of net charge-offs (x) | 8.6017% | 2,589 |
| Efficiency ratio | 68.1443% | 2,221 |
| Assets per employee ($millions) | 4.6427% | 3,771 |
| Cash dividends to net income (ytd only)* | 15.9816% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,531 |
| Loan loss allowance to noncurrent loans | 371.6714% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 2,322 |
| Noncurrent loans to loans | 0.3436% | 2,977 |
| Net loans and leases to total assets | 69.3477% | 1,640 |
| Net loans and leases to deposits | 77.8226% | 2,091 |
| Net loans and leases to core deposits | 83.1368% | 2,113 |
| Total domestic deposits to total assets | 89.1099% | 939 |
| Equity capital to assets | 10.8029% | 2,427 |
| Core capital (leverage) ratio | 10.5902% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6548% | 1,116 |
| Memoranda: | ||
| Average total assets | $286,519,600 | 2,362 |
| Average earning assets | $269,871,600 | 2,340 |
| Average equity | $30,600,800 | 2,453 |
| Average total loans | $195,044,600 | 2,288 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6236% | 1,244 |
| Cost of funding earning assets | 0.5648% | 2,839 |
| Net interest margin | 4.0588% | 981 |
| Noninterest income to average assets | 0.3415% | 3,431 |
| Noninterest expense to average assets | 2.8670% | 1,781 |
| Loan and lease loss provision to assets | 0.1652% | 2,347 |
| Net operating income to assets | 0.8746% | 2,795 |
| Return on assets (ROA) | 0.8757% | 2,921 |
| Pretax return on assets | 1.1325% | 2,631 |
| Return on Equity (ROE) | 8.2234% | 2,718 |
| Retained earnings to average equity (ytd only) | 8.2234% | 1,229 |
| Net charge-offs to loans | 0.2272% | 673 |
| Credit loss provision to net charge-offs | 107.6220% | 2,568 |
| Earnings coverage of net charge-offs (x) | 8.4482% | 2,493 |
| Efficiency ratio | 68.8652% | 2,064 |
| Assets per employee ($millions) | 4.8256% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,400 |
| Loan loss allowance to noncurrent loans | 303.0637% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 2,424 |
| Noncurrent loans to loans | 0.4119% | 2,820 |
| Net loans and leases to total assets | 64.3573% | 2,729 |
| Net loans and leases to deposits | 72.0060% | 3,128 |
| Net loans and leases to core deposits | 76.9570% | 3,099 |
| Total domestic deposits to total assets | 89.3777% | 627 |
| Equity capital to assets | 10.2976% | 2,966 |
| Core capital (leverage) ratio | 10.3611% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2609% | 1,012 |
| Memoranda: | ||
| Average total assets | $285,027,750 | 2,351 |
| Average earning assets | $268,383,750 | 2,340 |
| Average equity | $30,351,750 | 2,453 |
| Average total loans | $192,441,500 | 2,303 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7859% | 1,203 |
| Cost of funding earning assets | 0.6853% | 2,474 |
| Net interest margin | 4.1006% | 1,112 |
| Noninterest income to average assets | 0.3394% | 3,442 |
| Noninterest expense to average assets | 2.8834% | 1,871 |
| Loan and lease loss provision to assets | 0.1780% | 2,236 |
| Net operating income to assets | 0.8393% | 2,899 |
| Return on assets (ROA) | 0.8410% | 3,010 |
| Pretax return on assets | 1.1360% | 2,593 |
| Return on Equity (ROE) | 7.8046% | 2,826 |
| Retained earnings to average equity (ytd only) | 7.8046% | 1,370 |
| Net charge-offs to loans | 0.2729% | 581 |
| Credit loss provision to net charge-offs | 95.3846% | 2,440 |
| Earnings coverage of net charge-offs (x) | 7.0308% | 2,398 |
| Efficiency ratio | 68.7308% | 2,134 |
| Assets per employee ($millions) | 4.8242% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,286 |
| Loan loss allowance to noncurrent loans | 234.4562% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.6132% | 1,971 |
| Noncurrent loans to loans | 0.5306% | 2,575 |
| Net loans and leases to total assets | 61.6673% | 3,158 |
| Net loans and leases to deposits | 68.5643% | 3,518 |
| Net loans and leases to core deposits | 72.1617% | 3,584 |
| Total domestic deposits to total assets | 89.9409% | 413 |
| Equity capital to assets | 9.7625% | 3,412 |
| Core capital (leverage) ratio | 10.5053% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4575% | 1,144 |
| Memoranda: | ||
| Average total assets | $278,699,667 | 2,363 |
| Average earning assets | $262,059,000 | 2,351 |
| Average equity | $30,033,667 | 2,460 |
| Average total loans | $190,546,333 | 2,296 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1794% | 685 |
| Cost of funding earning assets | 0.8064% | 2,351 |
| Net interest margin | 4.3731% | 661 |
| Noninterest income to average assets | 0.3766% | 3,256 |
| Noninterest expense to average assets | 3.0529% | 1,757 |
| Loan and lease loss provision to assets | 0.1608% | 1,798 |
| Net operating income to assets | 0.9343% | 2,405 |
| Return on assets (ROA) | 0.9355% | 2,506 |
| Pretax return on assets | 1.2662% | 1,975 |
| Return on Equity (ROE) | 8.2168% | 2,423 |
| Retained earnings to average equity (ytd only) | 8.2168% | 1,167 |
| Net charge-offs to loans | 0.3001% | 486 |
| Credit loss provision to net charge-offs | 74.4681% | 1,958 |
| Earnings coverage of net charge-offs (x) | 6.6028% | 1,978 |
| Efficiency ratio | 68.1709% | 2,635 |
| Assets per employee ($millions) | 4.3253% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 2,196 |
| Loan loss allowance to noncurrent loans | 128.9840% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 1,559 |
| Noncurrent loans to loans | 0.9981% | 1,658 |
| Net loans and leases to total assets | 70.0930% | 2,236 |
| Net loans and leases to deposits | 79.2422% | 2,754 |
| Net loans and leases to core deposits | 83.9813% | 2,855 |
| Total domestic deposits to total assets | 88.4542% | 909 |
| Equity capital to assets | 11.3961% | 2,528 |
| Core capital (leverage) ratio | 11.6067% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8953% | 1,159 |
| Memoranda: | ||
| Average total assets | $261,261,500 | 2,428 |
| Average earning assets | $245,046,000 | 2,409 |
| Average equity | $29,744,000 | 2,468 |
| Average total loans | $187,914,500 | 2,278 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5384% | 526 |
| Cost of funding earning assets | 0.7849% | 2,748 |
| Net interest margin | 4.7535% | 424 |
| Noninterest income to average assets | 0.3953% | 3,324 |
| Noninterest expense to average assets | 3.3198% | 1,259 |
| Loan and lease loss provision to assets | 0.1771% | 1,176 |
| Net operating income to assets | 1.0242% | 2,751 |
| Return on assets (ROA) | 1.0261% | 2,842 |
| Pretax return on assets | 1.3256% | 2,411 |
| Return on Equity (ROE) | 8.9029% | 2,798 |
| Retained earnings to average equity (ytd only) | 6.1786% | 1,777 |
| Net charge-offs to loans | 0.1279% | 1,493 |
| Credit loss provision to net charge-offs | 186.4407% | 1,416 |
| Earnings coverage of net charge-offs (x) | 15.7924% | 2,210 |
| Efficiency ratio | 68.8742% | 2,331 |
| Assets per employee ($millions) | 4.1060% | 3,765 |
| Cash dividends to net income (ytd only)* | 30.6002% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 1,928 |
| Loan loss allowance to noncurrent loans | 195.5272% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 2,063 |
| Noncurrent loans to loans | 0.6643% | 2,225 |
| Net loans and leases to total assets | 71.9164% | 2,104 |
| Net loans and leases to deposits | 81.5036% | 2,615 |
| Net loans and leases to core deposits | 86.2713% | 2,769 |
| Total domestic deposits to total assets | 88.2371% | 1,013 |
| Equity capital to assets | 11.3701% | 2,646 |
| Core capital (leverage) ratio | 11.3044% | 2,244 |
| Tier 1 risk-based capital ratio | 16.3130% | 2,288 |
| Total risk-based capital ratio | 17.5641% | 2,233 |
| Memoranda: | ||
| Average total assets | $248,418,800 | 2,474 |
| Average earning assets | $231,241,600 | 2,464 |
| Average equity | $28,631,000 | 2,465 |
| Average total loans | $184,537,800 | 2,274 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5593% | 528 |
| Cost of funding earning assets | 0.7660% | 2,889 |
| Net interest margin | 4.7933% | 420 |
| Noninterest income to average assets | 0.3867% | 3,397 |
| Noninterest expense to average assets | 3.3233% | 1,220 |
| Loan and lease loss provision to assets | 0.1410% | 1,369 |
| Net operating income to assets | 1.0289% | 2,866 |
| Return on assets (ROA) | 1.0315% | 2,934 |
| Pretax return on assets | 1.3780% | 2,393 |
| Return on Equity (ROE) | 8.9181% | 2,923 |
| Retained earnings to average equity (ytd only) | 8.9181% | 1,073 |
| Net charge-offs to loans | 0.0516% | 2,091 |
| Credit loss provision to net charge-offs | 366.1972% | 823 |
| Earnings coverage of net charge-offs (x) | 39.3679% | 1,387 |
| Efficiency ratio | 68.6765% | 2,309 |
| Assets per employee ($millions) | 4.0841% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 1,943 |
| Loan loss allowance to noncurrent loans | 308.7563% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 2,686 |
| Noncurrent loans to loans | 0.4227% | 3,036 |
| Net loans and leases to total assets | 72.6614% | 2,057 |
| Net loans and leases to deposits | 82.5014% | 2,619 |
| Net loans and leases to core deposits | 87.4281% | 2,786 |
| Total domestic deposits to total assets | 88.0729% | 1,010 |
| Equity capital to assets | 11.6574% | 2,554 |
| Core capital (leverage) ratio | 11.8243% | 1,985 |
| Tier 1 risk-based capital ratio | 16.6354% | 2,210 |
| Total risk-based capital ratio | 17.8864% | 2,143 |
| Memoranda: | ||
| Average total assets | $245,854,000 | 2,507 |
| Average earning assets | $228,368,750 | 2,503 |
| Average equity | $28,435,750 | 2,492 |
| Average total loans | $183,552,250 | 2,309 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5528% | 512 |
| Cost of funding earning assets | 0.7328% | 2,982 |
| Net interest margin | 4.8200% | 391 |
| Noninterest income to average assets | 0.3854% | 3,364 |
| Noninterest expense to average assets | 3.3541% | 1,187 |
| Loan and lease loss provision to assets | 0.1479% | 1,245 |
| Net operating income to assets | 1.0066% | 2,896 |
| Return on assets (ROA) | 1.0066% | 2,967 |
| Pretax return on assets | 1.3476% | 2,390 |
| Return on Equity (ROE) | 8.7266% | 2,963 |
| Retained earnings to average equity (ytd only) | 8.7266% | 1,121 |
| Net charge-offs to loans | 0.0383% | 2,121 |
| Credit loss provision to net charge-offs | 514.2857% | 583 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 1,064 |
| Efficiency ratio | 69.1630% | 2,357 |
| Assets per employee ($millions) | 3.8349% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 2,062 |
| Loan loss allowance to noncurrent loans | 357.6347% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 2,755 |
| Noncurrent loans to loans | 0.3607% | 3,240 |
| Net loans and leases to total assets | 75.6681% | 1,601 |
| Net loans and leases to deposits | 86.1524% | 2,241 |
| Net loans and leases to core deposits | 91.1862% | 2,487 |
| Total domestic deposits to total assets | 87.8305% | 1,182 |
| Equity capital to assets | 11.9307% | 2,246 |
| Core capital (leverage) ratio | 11.9185% | 1,879 |
| Tier 1 risk-based capital ratio | 16.5774% | 2,209 |
| Total risk-based capital ratio | 17.8286% | 2,158 |
| Memoranda: | ||
| Average total assets | $243,401,000 | 2,535 |
| Average earning assets | $225,437,670 | 2,536 |
| Average equity | $28,075,000 | 2,506 |
| Average total loans | $182,596,000 | 2,320 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4454% | 572 |
| Cost of funding earning assets | 0.7021% | 3,043 |
| Net interest margin | 4.7432% | 449 |
| Noninterest income to average assets | 0.4634% | 2,781 |
| Noninterest expense to average assets | 3.3270% | 1,234 |
| Loan and lease loss provision to assets | 0.2210% | 703 |
| Net operating income to assets | 0.9775% | 2,934 |
| Return on assets (ROA) | 0.9775% | 2,976 |
| Pretax return on assets | 1.3066% | 2,432 |
| Return on Equity (ROE) | 8.6208% | 2,980 |
| Retained earnings to average equity (ytd only) | 8.6208% | 1,440 |
| Net charge-offs to loans | 0.1787% | 769 |
| Credit loss provision to net charge-offs | 166.6667% | 1,164 |
| Earnings coverage of net charge-offs (x) | 11.5185% | 1,904 |
| Efficiency ratio | 68.5329% | 2,559 |
| Assets per employee ($millions) | 4.0554% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 2,350 |
| Loan loss allowance to noncurrent loans | 234.9693% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 2,254 |
| Noncurrent loans to loans | 0.5300% | 2,728 |
| Net loans and leases to total assets | 74.8979% | 1,662 |
| Net loans and leases to deposits | 84.7833% | 2,288 |
| Net loans and leases to core deposits | 89.7777% | 2,527 |
| Total domestic deposits to total assets | 88.3403% | 1,161 |
| Equity capital to assets | 11.5277% | 2,375 |
| Core capital (leverage) ratio | 11.7052% | 1,976 |
| Tier 1 risk-based capital ratio | 16.2718% | 2,345 |
| Total risk-based capital ratio | 17.5222% | 2,291 |
| Memoranda: | ||
| Average total assets | $244,303,500 | 2,556 |
| Average earning assets | $226,174,500 | 2,546 |
| Average equity | $27,700,500 | 2,539 |
| Average total loans | $181,294,000 | 2,358 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2650% | 621 |
| Cost of funding earning assets | 0.5800% | 2,853 |
| Net interest margin | 4.6850% | 507 |
| Noninterest income to average assets | 0.4156% | 3,345 |
| Noninterest expense to average assets | 3.2321% | 1,469 |
| Loan and lease loss provision to assets | 0.2891% | 564 |
| Net operating income to assets | 0.9559% | 3,195 |
| Return on assets (ROA) | 0.9559% | 3,195 |
| Pretax return on assets | 1.2288% | 2,780 |
| Return on Equity (ROE) | 8.6197% | 3,171 |
| Retained earnings to average equity (ytd only) | 6.0878% | 2,150 |
| Net charge-offs to loans | 0.2289% | 853 |
| Credit loss provision to net charge-offs | 178.2051% | 1,588 |
| Earnings coverage of net charge-offs (x) | 9.3564% | 2,815 |
| Efficiency ratio | 68.0445% | 2,535 |
| Assets per employee ($millions) | 4.0880% | 3,762 |
| Cash dividends to net income (ytd only)* | 29.3734% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,246 |
| Loan loss allowance to noncurrent loans | 210.1124% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 2,206 |
| Noncurrent loans to loans | 0.5999% | 2,483 |
| Net loans and leases to total assets | 71.6729% | 2,317 |
| Net loans and leases to deposits | 80.9855% | 2,853 |
| Net loans and leases to core deposits | 85.5862% | 2,943 |
| Total domestic deposits to total assets | 88.5009% | 1,070 |
| Equity capital to assets | 11.1509% | 2,549 |
| Core capital (leverage) ratio | 11.0102% | 2,519 |
| Tier 1 risk-based capital ratio | 16.6295% | 2,195 |
| Total risk-based capital ratio | 17.8802% | 2,138 |
| Memoranda: | ||
| Average total assets | $240,404,200 | 2,543 |
| Average earning assets | $222,412,400 | 2,544 |
| Average equity | $26,659,800 | 2,527 |
| Average total loans | $170,397,600 | 2,434 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1895% | 640 |
| Cost of funding earning assets | 0.5412% | 2,923 |
| Net interest margin | 4.6483% | 528 |
| Noninterest income to average assets | 0.4599% | 3,103 |
| Noninterest expense to average assets | 3.2833% | 1,332 |
| Loan and lease loss provision to assets | 0.2341% | 689 |
| Net operating income to assets | 0.9315% | 3,387 |
| Return on assets (ROA) | 0.9315% | 3,394 |
| Pretax return on assets | 1.2464% | 2,825 |
| Return on Equity (ROE) | 8.4114% | 3,373 |
| Retained earnings to average equity (ytd only) | 8.4114% | 1,463 |
| Net charge-offs to loans | 0.2572% | 652 |
| Credit loss provision to net charge-offs | 129.2308% | 1,903 |
| Earnings coverage of net charge-offs (x) | 8.1723% | 2,739 |
| Efficiency ratio | 68.9211% | 2,370 |
| Assets per employee ($millions) | 4.1424% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,779 |
| Loan loss allowance to noncurrent loans | 166.3123% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 2,098 |
| Noncurrent loans to loans | 0.7048% | 2,312 |
| Net loans and leases to total assets | 68.9980% | 2,799 |
| Net loans and leases to deposits | 77.7333% | 3,259 |
| Net loans and leases to core deposits | 82.4031% | 3,297 |
| Total domestic deposits to total assets | 88.7625% | 928 |
| Equity capital to assets | 10.9913% | 2,675 |
| Core capital (leverage) ratio | 10.9255% | 2,654 |
| Tier 1 risk-based capital ratio | 16.7020% | 2,207 |
| Total risk-based capital ratio | 17.9306% | 2,155 |
| Memoranda: | ||
| Average total assets | $239,185,000 | 2,562 |
| Average earning assets | $221,465,750 | 2,564 |
| Average equity | $26,487,000 | 2,554 |
| Average total loans | $168,486,000 | 2,465 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1071% | 651 |
| Cost of funding earning assets | 0.4746% | 3,197 |
| Net interest margin | 4.6325% | 513 |
| Noninterest income to average assets | 0.4507% | 3,144 |
| Noninterest expense to average assets | 3.2720% | 1,382 |
| Loan and lease loss provision to assets | 0.2287% | 704 |
| Net operating income to assets | 0.9209% | 3,364 |
| Return on assets (ROA) | 0.9209% | 3,366 |
| Pretax return on assets | 1.2336% | 2,800 |
| Return on Equity (ROE) | 8.2945% | 3,364 |
| Retained earnings to average equity (ytd only) | 8.2945% | 1,494 |
| Net charge-offs to loans | 0.2458% | 645 |
| Credit loss provision to net charge-offs | 131.7073% | 1,707 |
| Earnings coverage of net charge-offs (x) | 8.4195% | 2,478 |
| Efficiency ratio | 69.1124% | 2,462 |
| Assets per employee ($millions) | 4.0568% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 2,870 |
| Loan loss allowance to noncurrent loans | 220.9482% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5871% | 2,473 |
| Noncurrent loans to loans | 0.5308% | 2,830 |
| Net loans and leases to total assets | 69.3746% | 2,671 |
| Net loans and leases to deposits | 78.0908% | 3,150 |
| Net loans and leases to core deposits | 82.4630% | 3,202 |
| Total domestic deposits to total assets | 88.8384% | 1,001 |
| Equity capital to assets | 10.9808% | 2,654 |
| Core capital (leverage) ratio | 11.1701% | 2,368 |
| Tier 1 risk-based capital ratio | 16.7987% | 2,166 |
| Total risk-based capital ratio | 18.0425% | 2,112 |
| Memoranda: | ||
| Average total assets | $236,066,000 | 2,597 |
| Average earning assets | $218,282,670 | 2,599 |
| Average equity | $26,210,000 | 2,576 |
| Average total loans | $166,807,000 | 2,493 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0349% | 648 |
| Cost of funding earning assets | 0.4224% | 3,423 |
| Net interest margin | 4.6126% | 487 |
| Noninterest income to average assets | 0.4613% | 3,048 |
| Noninterest expense to average assets | 3.3271% | 1,300 |
| Loan and lease loss provision to assets | 0.2065% | 790 |
| Net operating income to assets | 0.8881% | 3,344 |
| Return on assets (ROA) | 0.8881% | 3,354 |
| Pretax return on assets | 1.1945% | 2,773 |
| Return on Equity (ROE) | 7.9535% | 3,397 |
| Retained earnings to average equity (ytd only) | 7.9535% | 1,857 |
| Net charge-offs to loans | 0.2185% | 685 |
| Credit loss provision to net charge-offs | 133.3333% | 1,310 |
| Earnings coverage of net charge-offs (x) | 9.0444% | 1,995 |
| Efficiency ratio | 70.3677% | 2,430 |
| Assets per employee ($millions) | 3.9679% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,838 |
| Loan loss allowance to noncurrent loans | 170.9201% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.6800% | 2,290 |
| Noncurrent loans to loans | 0.6985% | 2,467 |
| Net loans and leases to total assets | 68.4493% | 2,710 |
| Net loans and leases to deposits | 77.0154% | 3,109 |
| Net loans and leases to core deposits | 81.3844% | 3,203 |
| Total domestic deposits to total assets | 88.8774% | 1,160 |
| Equity capital to assets | 10.9890% | 2,593 |
| Core capital (leverage) ratio | 11.5892% | 1,945 |
| Tier 1 risk-based capital ratio | 16.6373% | 2,232 |
| Total risk-based capital ratio | 17.8736% | 2,180 |
| Memoranda: | ||
| Average total assets | $232,396,000 | 2,642 |
| Average earning assets | $214,978,000 | 2,649 |
| Average equity | $25,951,000 | 2,619 |
| Average total loans | $164,777,500 | 2,528 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0570% | 578 |
| Cost of funding earning assets | 0.3643% | 3,572 |
| Net interest margin | 4.6926% | 428 |
| Noninterest income to average assets | 0.5313% | 2,815 |
| Noninterest expense to average assets | 3.5677% | 931 |
| Loan and lease loss provision to assets | 0.2364% | 812 |
| Net operating income to assets | 0.7276% | 3,483 |
| Return on assets (ROA) | 0.7276% | 3,521 |
| Pretax return on assets | 1.0764% | 3,276 |
| Return on Equity (ROE) | 6.4291% | 3,566 |
| Retained earnings to average equity (ytd only) | 4.3833% | 2,530 |
| Net charge-offs to loans | 0.3074% | 832 |
| Credit loss provision to net charge-offs | 109.0535% | 2,389 |
| Earnings coverage of net charge-offs (x) | 6.0556% | 3,233 |
| Efficiency ratio | 73.1012% | 2,047 |
| Assets per employee ($millions) | 3.7786% | 4,314 |
| Cash dividends to net income (ytd only)* | 31.8210% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 2,908 |
| Loan loss allowance to noncurrent loans | 193.9000% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 2,285 |
| Noncurrent loans to loans | 0.6074% | 2,715 |
| Net loans and leases to total assets | 71.7574% | 2,272 |
| Net loans and leases to deposits | 81.2152% | 2,794 |
| Net loans and leases to core deposits | 86.4625% | 2,879 |
| Total domestic deposits to total assets | 88.3547% | 1,327 |
| Equity capital to assets | 11.3533% | 2,327 |
| Core capital (leverage) ratio | 11.2194% | 2,146 |
| Tier 1 risk-based capital ratio | 16.7705% | 2,170 |
| Total risk-based capital ratio | 18.0202% | 2,116 |
| Memoranda: | ||
| Average total assets | $224,176,000 | 2,691 |
| Average earning assets | $207,772,200 | 2,688 |
| Average equity | $25,369,200 | 2,654 |
| Average total loans | $158,121,000 | 2,567 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 628 |
| Cost of funding earning assets | 0.3569% | 3,600 |
| Net interest margin | 4.6289% | 464 |
| Noninterest income to average assets | 0.4545% | 3,311 |
| Noninterest expense to average assets | 3.4397% | 1,084 |
| Loan and lease loss provision to assets | 0.2088% | 906 |
| Net operating income to assets | 0.6734% | 4,107 |
| Return on assets (ROA) | 0.6734% | 4,164 |
| Pretax return on assets | 1.0993% | 3,303 |
| Return on Equity (ROE) | 5.9553% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.9553% | 2,266 |
| Net charge-offs to loans | 0.3689% | 571 |
| Credit loss provision to net charge-offs | 80.8314% | 2,570 |
| Earnings coverage of net charge-offs (x) | 5.0647% | 3,156 |
| Efficiency ratio | 72.4497% | 2,145 |
| Assets per employee ($millions) | 3.8751% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,372 |
| Loan loss allowance to noncurrent loans | 241.9226% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.8240% | 2,094 |
| Noncurrent loans to loans | 0.4636% | 3,312 |
| Net loans and leases to total assets | 71.0758% | 2,397 |
| Net loans and leases to deposits | 80.5674% | 2,912 |
| Net loans and leases to core deposits | 85.9052% | 2,978 |
| Total domestic deposits to total assets | 88.2191% | 1,245 |
| Equity capital to assets | 11.5180% | 2,348 |
| Core capital (leverage) ratio | 11.5908% | 1,957 |
| Tier 1 risk-based capital ratio | 16.9780% | 2,161 |
| Total risk-based capital ratio | 18.1613% | 2,138 |
| Memoranda: | ||
| Average total assets | $223,540,500 | 2,716 |
| Average earning assets | $207,328,250 | 2,712 |
| Average equity | $25,276,500 | 2,683 |
| Average total loans | $156,494,750 | 2,603 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 712 |
| Cost of funding earning assets | 0.3518% | 3,562 |
| Net interest margin | 4.5362% | 528 |
| Noninterest income to average assets | 0.4491% | 3,358 |
| Noninterest expense to average assets | 3.3899% | 1,193 |
| Loan and lease loss provision to assets | 0.2062% | 876 |
| Net operating income to assets | 0.6579% | 4,041 |
| Return on assets (ROA) | 0.6579% | 4,100 |
| Pretax return on assets | 1.0720% | 3,294 |
| Return on Equity (ROE) | 5.8549% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.8549% | 2,195 |
| Net charge-offs to loans | 0.4057% | 505 |
| Credit loss provision to net charge-offs | 73.2484% | 2,345 |
| Earnings coverage of net charge-offs (x) | 4.5414% | 2,911 |
| Efficiency ratio | 72.6190% | 2,245 |
| Assets per employee ($millions) | 3.7860% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 3,233 |
| Loan loss allowance to noncurrent loans | 205.0963% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.8926% | 1,984 |
| Noncurrent loans to loans | 0.5667% | 3,035 |
| Net loans and leases to total assets | 70.1289% | 2,508 |
| Net loans and leases to deposits | 79.5350% | 2,965 |
| Net loans and leases to core deposits | 84.9266% | 2,977 |
| Total domestic deposits to total assets | 88.1737% | 1,368 |
| Equity capital to assets | 11.6109% | 2,225 |
| Core capital (leverage) ratio | 11.5741% | 1,920 |
| Tier 1 risk-based capital ratio | 17.2495% | 2,077 |
| Total risk-based capital ratio | 18.4696% | 2,040 |
| Memoranda: | ||
| Average total assets | $223,136,330 | 2,737 |
| Average earning assets | $207,532,670 | 2,726 |
| Average equity | $25,073,000 | 2,699 |
| Average total loans | $154,807,330 | 2,632 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7810% | 780 |
| Cost of funding earning assets | 0.3430% | 3,597 |
| Net interest margin | 4.4380% | 592 |
| Noninterest income to average assets | 0.4251% | 3,479 |
| Noninterest expense to average assets | 3.3631% | 1,265 |
| Loan and lease loss provision to assets | 0.1956% | 848 |
| Net operating income to assets | 0.6207% | 4,058 |
| Return on assets (ROA) | 0.6207% | 4,110 |
| Pretax return on assets | 1.0084% | 3,330 |
| Return on Equity (ROE) | 5.6151% | 4,080 |
| Retained earnings to average equity (ytd only) | 5.6151% | 2,536 |
| Net charge-offs to loans | 0.4018% | 458 |
| Credit loss provision to net charge-offs | 70.9677% | 1,831 |
| Earnings coverage of net charge-offs (x) | 4.3677% | 2,398 |
| Efficiency ratio | 73.6371% | 2,291 |
| Assets per employee ($millions) | 3.7436% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 3,128 |
| Loan loss allowance to noncurrent loans | 160.1732% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.0209% | 1,784 |
| Noncurrent loans to loans | 0.7500% | 2,614 |
| Net loans and leases to total assets | 67.7362% | 2,718 |
| Net loans and leases to deposits | 76.3987% | 3,149 |
| Net loans and leases to core deposits | 81.4450% | 3,146 |
| Total domestic deposits to total assets | 88.6614% | 1,340 |
| Equity capital to assets | 11.1547% | 2,472 |
| Core capital (leverage) ratio | 11.5015% | 1,948 |
| Tier 1 risk-based capital ratio | 17.1562% | 2,131 |
| Total risk-based capital ratio | 18.4060% | 2,082 |
| Memoranda: | ||
| Average total assets | $224,911,000 | 2,750 |
| Average earning assets | $209,913,500 | 2,723 |
| Average equity | $24,861,500 | 2,720 |
| Average total loans | $154,308,500 | 2,645 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8117% | 870 |
| Cost of funding earning assets | 0.3455% | 3,575 |
| Net interest margin | 4.4662% | 666 |
| Noninterest income to average assets | 0.4202% | 3,740 |
| Noninterest expense to average assets | 3.2817% | 1,615 |
| Loan and lease loss provision to assets | 0.2151% | 1,040 |
| Net operating income to assets | 0.7030% | 3,766 |
| Return on assets (ROA) | 0.7053% | 3,872 |
| Pretax return on assets | 1.1099% | 3,062 |
| Return on Equity (ROE) | 6.3328% | 3,824 |
| Retained earnings to average equity (ytd only) | 4.6273% | 2,607 |
| Net charge-offs to loans | 0.3388% | 809 |
| Credit loss provision to net charge-offs | 94.0000% | 2,727 |
| Earnings coverage of net charge-offs (x) | 5.7740% | 3,291 |
| Efficiency ratio | 71.2936% | 2,698 |
| Assets per employee ($millions) | 3.8829% | 4,171 |
| Cash dividends to net income (ytd only)* | 26.9306% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,968 |
| Loan loss allowance to noncurrent loans | 163.6442% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.0439% | 1,811 |
| Noncurrent loans to loans | 0.7489% | 2,657 |
| Net loans and leases to total assets | 67.8160% | 2,804 |
| Net loans and leases to deposits | 82.6194% | 2,596 |
| Net loans and leases to core deposits | 88.5087% | 2,627 |
| Total domestic deposits to total assets | 82.0823% | 4,053 |
| Equity capital to assets | 10.9534% | 2,663 |
| Core capital (leverage) ratio | 11.1510% | 2,205 |
| Tier 1 risk-based capital ratio | 17.0372% | 2,147 |
| Total risk-based capital ratio | 18.2875% | 2,097 |
| Memoranda: | ||
| Average total assets | $218,485,400 | 2,775 |
| Average earning assets | $204,625,200 | 2,742 |
| Average equity | $24,333,800 | 2,774 |
| Average total loans | $147,590,600 | 2,673 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8154% | 870 |
| Cost of funding earning assets | 0.3503% | 3,533 |
| Net interest margin | 4.4650% | 680 |
| Noninterest income to average assets | 0.4286% | 3,708 |
| Noninterest expense to average assets | 3.2797% | 1,609 |
| Loan and lease loss provision to assets | 0.2029% | 1,039 |
| Net operating income to assets | 0.6893% | 3,908 |
| Return on assets (ROA) | 0.6925% | 4,025 |
| Pretax return on assets | 1.1285% | 3,116 |
| Return on Equity (ROE) | 6.1909% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.1909% | 2,067 |
| Net charge-offs to loans | 0.3529% | 640 |
| Credit loss provision to net charge-offs | 85.4922% | 2,595 |
| Earnings coverage of net charge-offs (x) | 5.5881% | 3,110 |
| Efficiency ratio | 71.2016% | 2,701 |
| Assets per employee ($millions) | 4.0471% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,934 |
| Loan loss allowance to noncurrent loans | 159.3350% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 1,782 |
| Noncurrent loans to loans | 0.7867% | 2,711 |
| Net loans and leases to total assets | 66.1502% | 3,099 |
| Net loans and leases to deposits | 84.9407% | 2,375 |
| Net loans and leases to core deposits | 91.2128% | 2,459 |
| Total domestic deposits to total assets | 77.8781% | 4,933 |
| Equity capital to assets | 11.1632% | 2,836 |
| Core capital (leverage) ratio | 11.1074% | 2,350 |
| Tier 1 risk-based capital ratio | 17.6826% | 2,014 |
| Total risk-based capital ratio | 18.9337% | 1,971 |
| Memoranda: | ||
| Average total assets | $216,804,750 | 2,797 |
| Average earning assets | $202,845,500 | 2,770 |
| Average equity | $24,250,250 | 2,799 |
| Average total loans | $145,832,750 | 2,698 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 949 |
| Cost of funding earning assets | 0.3529% | 3,532 |
| Net interest margin | 4.4014% | 765 |
| Noninterest income to average assets | 0.4393% | 3,600 |
| Noninterest expense to average assets | 3.2614% | 1,666 |
| Loan and lease loss provision to assets | 0.2234% | 927 |
| Net operating income to assets | 0.6615% | 3,990 |
| Return on assets (ROA) | 0.6627% | 4,126 |
| Pretax return on assets | 1.0769% | 3,296 |
| Return on Equity (ROE) | 5.9208% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.9208% | 2,165 |
| Net charge-offs to loans | 0.3689% | 625 |
| Credit loss provision to net charge-offs | 89.8876% | 2,243 |
| Earnings coverage of net charge-offs (x) | 5.2247% | 2,882 |
| Efficiency ratio | 71.5248% | 2,743 |
| Assets per employee ($millions) | 4.0247% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 2,762 |
| Loan loss allowance to noncurrent loans | 141.1152% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.1999% | 1,732 |
| Noncurrent loans to loans | 0.9236% | 2,424 |
| Net loans and leases to total assets | 64.9271% | 3,235 |
| Net loans and leases to deposits | 84.0298% | 2,462 |
| Net loans and leases to core deposits | 89.8909% | 2,542 |
| Total domestic deposits to total assets | 77.2668% | 5,124 |
| Equity capital to assets | 11.0477% | 3,011 |
| Core capital (leverage) ratio | 11.1707% | 2,262 |
| Tier 1 risk-based capital ratio | 17.6079% | 2,045 |
| Total risk-based capital ratio | 18.8593% | 2,005 |
| Memoranda: | ||
| Average total assets | $214,876,670 | 2,832 |
| Average earning assets | $201,162,670 | 2,801 |
| Average equity | $24,051,000 | 2,830 |
| Average total loans | $144,739,670 | 2,706 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 755 |
| Cost of funding earning assets | 0.3591% | 3,509 |
| Net interest margin | 4.4992% | 609 |
| Noninterest income to average assets | 0.4442% | 3,523 |
| Noninterest expense to average assets | 3.3340% | 1,518 |
| Loan and lease loss provision to assets | 0.2552% | 680 |
| Net operating income to assets | 0.6598% | 3,934 |
| Return on assets (ROA) | 0.6634% | 4,036 |
| Pretax return on assets | 1.0754% | 3,183 |
| Return on Equity (ROE) | 5.8870% | 4,039 |
| Retained earnings to average equity (ytd only) | 5.8870% | 2,426 |
| Net charge-offs to loans | 0.3631% | 609 |
| Credit loss provision to net charge-offs | 103.0534% | 1,582 |
| Earnings coverage of net charge-offs (x) | 5.3511% | 2,335 |
| Efficiency ratio | 71.5619% | 2,862 |
| Assets per employee ($millions) | 3.6587% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 2,616 |
| Loan loss allowance to noncurrent loans | 207.6426% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 1.0761% | 2,055 |
| Noncurrent loans to loans | 0.6541% | 3,211 |
| Net loans and leases to total assets | 64.9046% | 3,121 |
| Net loans and leases to deposits | 81.5918% | 2,594 |
| Net loans and leases to core deposits | 87.3779% | 2,626 |
| Total domestic deposits to total assets | 79.5480% | 4,849 |
| Equity capital to assets | 11.1518% | 2,770 |
| Core capital (leverage) ratio | 11.4606% | 2,004 |
| Tier 1 risk-based capital ratio | 17.6496% | 2,088 |
| Total risk-based capital ratio | 18.9019% | 2,050 |
| Memoranda: | ||
| Average total assets | $211,635,500 | 2,878 |
| Average earning assets | $198,257,500 | 2,838 |
| Average equity | $23,849,000 | 2,851 |
| Average total loans | $144,299,500 | 2,726 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 744 |
| Cost of funding earning assets | 0.3720% | 3,462 |
| Net interest margin | 4.5410% | 610 |
| Noninterest income to average assets | 0.4086% | 3,969 |
| Noninterest expense to average assets | 3.2313% | 1,882 |
| Loan and lease loss provision to assets | 0.3023% | 568 |
| Net operating income to assets | 0.6980% | 3,822 |
| Return on assets (ROA) | 0.7012% | 3,908 |
| Pretax return on assets | 1.1117% | 2,992 |
| Return on Equity (ROE) | 6.1894% | 3,955 |
| Retained earnings to average equity (ytd only) | 4.6270% | 2,690 |
| Net charge-offs to loans | 0.5222% | 490 |
| Credit loss provision to net charge-offs | 82.9987% | 2,898 |
| Earnings coverage of net charge-offs (x) | 3.8688% | 3,648 |
| Efficiency ratio | 69.6333% | 3,284 |
| Assets per employee ($millions) | 3.5153% | 4,809 |
| Cash dividends to net income (ytd only)* | 25.2434% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 2,821 |
| Loan loss allowance to noncurrent loans | 58.9226% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.3201% | 693 |
| Noncurrent loans to loans | 2.2291% | 883 |
| Net loans and leases to total assets | 69.7370% | 2,408 |
| Net loans and leases to deposits | 87.8831% | 1,890 |
| Net loans and leases to core deposits | 94.3934% | 2,009 |
| Total domestic deposits to total assets | 79.3520% | 4,896 |
| Equity capital to assets | 11.3908% | 2,455 |
| Core capital (leverage) ratio | 11.1810% | 2,235 |
| Tier 1 risk-based capital ratio | 16.8945% | 2,327 |
| Total risk-based capital ratio | 18.1462% | 2,270 |
| Memoranda: | ||
| Average total assets | $205,088,200 | 2,898 |
| Average earning assets | $191,127,000 | 2,877 |
| Average equity | $23,233,200 | 2,855 |
| Average total loans | $143,057,600 | 2,693 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 729 |
| Cost of funding earning assets | 0.3733% | 3,508 |
| Net interest margin | 4.5504% | 587 |
| Noninterest income to average assets | 0.4186% | 3,944 |
| Noninterest expense to average assets | 3.2702% | 1,780 |
| Loan and lease loss provision to assets | 0.2738% | 585 |
| Net operating income to assets | 0.6925% | 3,934 |
| Return on assets (ROA) | 0.6950% | 4,030 |
| Pretax return on assets | 1.1142% | 3,160 |
| Return on Equity (ROE) | 6.1434% | 4,090 |
| Retained earnings to average equity (ytd only) | 6.1434% | 2,154 |
| Net charge-offs to loans | 0.5176% | 460 |
| Credit loss provision to net charge-offs | 76.0870% | 2,669 |
| Earnings coverage of net charge-offs (x) | 3.8460% | 3,446 |
| Efficiency ratio | 70.2619% | 3,168 |
| Assets per employee ($millions) | 3.5740% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 2,986 |
| Loan loss allowance to noncurrent loans | 69.3892% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.8908% | 1,105 |
| Noncurrent loans to loans | 1.9049% | 1,217 |
| Net loans and leases to total assets | 67.9752% | 2,680 |
| Net loans and leases to deposits | 84.6826% | 2,318 |
| Net loans and leases to core deposits | 90.6405% | 2,396 |
| Total domestic deposits to total assets | 80.2706% | 4,681 |
| Equity capital to assets | 11.2525% | 2,749 |
| Core capital (leverage) ratio | 11.6102% | 1,949 |
| Tier 1 risk-based capital ratio | 17.3977% | 2,214 |
| Total risk-based capital ratio | 18.6493% | 2,169 |
| Memoranda: | ||
| Average total assets | $204,509,000 | 2,930 |
| Average earning assets | $190,367,500 | 2,913 |
| Average equity | $23,135,250 | 2,887 |
| Average total loans | $142,181,250 | 2,718 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9266% | 688 |
| Cost of funding earning assets | 0.3787% | 3,511 |
| Net interest margin | 4.5479% | 576 |
| Noninterest income to average assets | 0.4407% | 3,769 |
| Noninterest expense to average assets | 3.2699% | 1,789 |
| Loan and lease loss provision to assets | 0.2965% | 526 |
| Net operating income to assets | 0.6781% | 3,985 |
| Return on assets (ROA) | 0.6819% | 4,091 |
| Pretax return on assets | 1.1048% | 3,152 |
| Return on Equity (ROE) | 6.0163% | 4,119 |
| Retained earnings to average equity (ytd only) | 6.0163% | 2,233 |
| Net charge-offs to loans | 0.5101% | 485 |
| Credit loss provision to net charge-offs | 83.3333% | 2,288 |
| Earnings coverage of net charge-offs (x) | 3.9222% | 3,119 |
| Efficiency ratio | 70.0911% | 3,312 |
| Assets per employee ($millions) | 3.3937% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 2,708 |
| Loan loss allowance to noncurrent loans | 86.1592% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.7370% | 1,352 |
| Noncurrent loans to loans | 1.6365% | 1,597 |
| Net loans and leases to total assets | 69.5627% | 2,394 |
| Net loans and leases to deposits | 84.9070% | 2,198 |
| Net loans and leases to core deposits | 90.9509% | 2,249 |
| Total domestic deposits to total assets | 81.9281% | 4,309 |
| Equity capital to assets | 11.6332% | 2,306 |
| Core capital (leverage) ratio | 11.5943% | 1,926 |
| Tier 1 risk-based capital ratio | 15.8933% | 2,905 |
| Total risk-based capital ratio | 17.1447% | 2,868 |
| Memoranda: | ||
| Average total assets | $202,389,330 | 2,970 |
| Average earning assets | $188,000,330 | 2,949 |
| Average equity | $22,937,670 | 2,919 |
| Average total loans | $141,155,670 | 2,737 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 786 |
| Cost of funding earning assets | 0.3820% | 3,505 |
| Net interest margin | 4.4641% | 645 |
| Noninterest income to average assets | 0.4050% | 3,968 |
| Noninterest expense to average assets | 3.2378% | 1,882 |
| Loan and lease loss provision to assets | 0.2949% | 501 |
| Net operating income to assets | 0.6373% | 4,101 |
| Return on assets (ROA) | 0.6448% | 4,186 |
| Pretax return on assets | 1.0419% | 3,330 |
| Return on Equity (ROE) | 5.7645% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.7645% | 2,623 |
| Net charge-offs to loans | 0.4990% | 502 |
| Credit loss provision to net charge-offs | 85.2273% | 1,783 |
| Earnings coverage of net charge-offs (x) | 3.8295% | 2,564 |
| Efficiency ratio | 70.9608% | 3,324 |
| Assets per employee ($millions) | 3.3716% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 2,746 |
| Loan loss allowance to noncurrent loans | 74.5950% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.9383% | 1,243 |
| Noncurrent loans to loans | 1.9289% | 1,384 |
| Net loans and leases to total assets | 68.6018% | 2,347 |
| Net loans and leases to deposits | 84.6171% | 1,994 |
| Net loans and leases to core deposits | 91.0091% | 2,033 |
| Total domestic deposits to total assets | 81.0732% | 4,805 |
| Equity capital to assets | 11.3468% | 2,601 |
| Core capital (leverage) ratio | 11.8576% | 1,732 |
| Tier 1 risk-based capital ratio | 18.7497% | 1,927 |
| Total risk-based capital ratio | 18.7497% | 2,258 |
| Memoranda: | ||
| Average total assets | $203,470,000 | 2,972 |
| Average earning assets | $189,513,000 | 2,955 |
| Average equity | $22,760,000 | 2,947 |
| Average total loans | $141,095,500 | 2,745 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6606% | 1,392 |
| Cost of funding earning assets | 0.4273% | 3,414 |
| Net interest margin | 4.2334% | 1,208 |
| Noninterest income to average assets | 0.4424% | 3,882 |
| Noninterest expense to average assets | 3.1147% | 2,471 |
| Loan and lease loss provision to assets | 0.3008% | 684 |
| Net operating income to assets | 0.6079% | 4,331 |
| Return on assets (ROA) | 0.6100% | 4,426 |
| Pretax return on assets | 0.9599% | 3,646 |
| Return on Equity (ROE) | 6.0046% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.0569% | 2,560 |
| Net charge-offs to loans | 0.4108% | 1,040 |
| Credit loss provision to net charge-offs | 112.0690% | 2,121 |
| Earnings coverage of net charge-offs (x) | 4.6845% | 3,587 |
| Efficiency ratio | 71.2395% | 3,334 |
| Assets per employee ($millions) | 3.4108% | 5,031 |
| Cash dividends to net income (ytd only)* | 15.7815% | 3,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 2,687 |
| Loan loss allowance to noncurrent loans | 83.2117% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.7968% | 1,453 |
| Noncurrent loans to loans | 1.7441% | 1,660 |
| Net loans and leases to total assets | 68.0862% | 2,545 |
| Net loans and leases to deposits | 84.1507% | 2,195 |
| Net loans and leases to core deposits | 90.9830% | 2,188 |
| Total domestic deposits to total assets | 80.9099% | 4,769 |
| Equity capital to assets | 11.0269% | 2,867 |
| Core capital (leverage) ratio | 10.7072% | 2,712 |
| Tier 1 risk-based capital ratio | 16.7659% | 2,617 |
| Total risk-based capital ratio | 18.0189% | 2,563 |
| Memoranda: | ||
| Average total assets | $216,072,200 | 2,825 |
| Average earning assets | $200,573,600 | 2,802 |
| Average equity | $21,950,000 | 2,954 |
| Average total loans | $141,181,000 | 2,697 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 1,611 |
| Cost of funding earning assets | 0.4334% | 3,431 |
| Net interest margin | 4.1471% | 1,442 |
| Noninterest income to average assets | 0.4756% | 3,713 |
| Noninterest expense to average assets | 3.0962% | 2,484 |
| Loan and lease loss provision to assets | 0.3350% | 541 |
| Net operating income to assets | 0.5562% | 4,647 |
| Return on assets (ROA) | 0.5566% | 4,725 |
| Pretax return on assets | 0.8916% | 4,025 |
| Return on Equity (ROE) | 5.5911% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.5911% | 2,676 |
| Net charge-offs to loans | 0.3807% | 1,048 |
| Credit loss provision to net charge-offs | 136.4764% | 1,709 |
| Earnings coverage of net charge-offs (x) | 4.9950% | 3,340 |
| Efficiency ratio | 71.6359% | 3,246 |
| Assets per employee ($millions) | 3.5955% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 2,693 |
| Loan loss allowance to noncurrent loans | 100.3772% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.6627% | 1,822 |
| Noncurrent loans to loans | 1.4967% | 2,169 |
| Net loans and leases to total assets | 64.7025% | 3,073 |
| Net loans and leases to deposits | 83.9972% | 2,152 |
| Net loans and leases to core deposits | 90.4094% | 2,182 |
| Total domestic deposits to total assets | 77.0294% | 5,673 |
| Equity capital to assets | 10.3633% | 3,721 |
| Core capital (leverage) ratio | 10.4855% | 3,061 |
| Tier 1 risk-based capital ratio | 16.4109% | 2,849 |
| Total risk-based capital ratio | 17.6648% | 2,805 |
| Memoranda: | ||
| Average total assets | $218,929,000 | 2,814 |
| Average earning assets | $203,061,500 | 2,795 |
| Average equity | $21,796,000 | 2,970 |
| Average total loans | $141,129,500 | 2,712 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 1,833 |
| Cost of funding earning assets | 0.4410% | 3,429 |
| Net interest margin | 4.0597% | 1,636 |
| Noninterest income to average assets | 0.5009% | 3,476 |
| Noninterest expense to average assets | 3.0973% | 2,511 |
| Loan and lease loss provision to assets | 0.4455% | 364 |
| Net operating income to assets | 0.4512% | 5,011 |
| Return on assets (ROA) | 0.4518% | 5,087 |
| Pretax return on assets | 0.7164% | 4,586 |
| Return on Equity (ROE) | 4.5999% | 4,862 |
| Retained earnings to average equity (ytd only) | 4.5999% | 3,232 |
| Net charge-offs to loans | 0.4130% | 984 |
| Credit loss provision to net charge-offs | 168.3849% | 1,340 |
| Earnings coverage of net charge-offs (x) | 4.3883% | 3,116 |
| Efficiency ratio | 72.7370% | 3,205 |
| Assets per employee ($millions) | 3.6081% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 2,727 |
| Loan loss allowance to noncurrent loans | 200.6440% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 1.2837% | 2,550 |
| Noncurrent loans to loans | 0.7672% | 3,790 |
| Net loans and leases to total assets | 64.4380% | 3,009 |
| Net loans and leases to deposits | 82.0162% | 2,247 |
| Net loans and leases to core deposits | 88.2524% | 2,288 |
| Total domestic deposits to total assets | 78.5675% | 5,538 |
| Equity capital to assets | 10.1273% | 3,936 |
| Core capital (leverage) ratio | 10.2272% | 3,294 |
| Tier 1 risk-based capital ratio | 15.9885% | 3,092 |
| Total risk-based capital ratio | 17.2427% | 3,029 |
| Memoranda: | ||
| Average total assets | $219,994,670 | 2,810 |
| Average earning assets | $203,612,670 | 2,798 |
| Average equity | $21,609,000 | 2,987 |
| Average total loans | $140,935,000 | 2,715 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 1,973 |
| Cost of funding earning assets | 0.4488% | 3,440 |
| Net interest margin | 3.9962% | 1,778 |
| Noninterest income to average assets | 0.5339% | 3,157 |
| Noninterest expense to average assets | 3.0990% | 2,535 |
| Loan and lease loss provision to assets | 0.4600% | 340 |
| Net operating income to assets | 0.4246% | 5,025 |
| Return on assets (ROA) | 0.4257% | 5,087 |
| Pretax return on assets | 0.6710% | 4,593 |
| Return on Equity (ROE) | 4.4006% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.4006% | 3,485 |
| Net charge-offs to loans | 0.5492% | 671 |
| Credit loss provision to net charge-offs | 132.1244% | 1,370 |
| Earnings coverage of net charge-offs (x) | 3.2435% | 2,714 |
| Efficiency ratio | 73.2935% | 3,264 |
| Assets per employee ($millions) | 3.7156% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 3,347 |
| Loan loss allowance to noncurrent loans | 110.8460% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.5475% | 2,284 |
| Noncurrent loans to loans | 1.3138% | 2,835 |
| Net loans and leases to total assets | 62.0420% | 3,233 |
| Net loans and leases to deposits | 77.7067% | 2,603 |
| Net loans and leases to core deposits | 83.7323% | 2,549 |
| Total domestic deposits to total assets | 79.8413% | 5,520 |
| Equity capital to assets | 9.6781% | 4,255 |
| Core capital (leverage) ratio | 9.8681% | 3,763 |
| Tier 1 risk-based capital ratio | 15.9020% | 3,218 |
| Total risk-based capital ratio | 17.1548% | 3,173 |
| Memoranda: | ||
| Average total assets | $221,750,000 | 2,812 |
| Average earning assets | $204,994,000 | 2,796 |
| Average equity | $21,451,500 | 3,000 |
| Average total loans | $140,563,000 | 2,727 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 1,630 |
| Cost of funding earning assets | 0.5898% | 2,758 |
| Net interest margin | 4.0869% | 1,684 |
| Noninterest income to average assets | 0.6900% | 2,599 |
| Noninterest expense to average assets | 3.0535% | 2,885 |
| Loan and lease loss provision to assets | 0.6621% | 359 |
| Net operating income to assets | 0.4766% | 4,830 |
| Return on assets (ROA) | 0.4769% | 4,978 |
| Pretax return on assets | 0.7459% | 4,357 |
| Return on Equity (ROE) | 5.1193% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.3771% | 3,064 |
| Net charge-offs to loans | 1.0798% | 526 |
| Credit loss provision to net charge-offs | 98.4838% | 2,521 |
| Earnings coverage of net charge-offs (x) | 2.0936% | 4,341 |
| Efficiency ratio | 68.4482% | 4,115 |
| Assets per employee ($millions) | 3.8695% | 4,117 |
| Cash dividends to net income (ytd only)* | 14.4981% | 3,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 3,616 |
| Loan loss allowance to noncurrent loans | 86.9298% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.8135% | 2,027 |
| Noncurrent loans to loans | 1.6197% | 2,476 |
| Net loans and leases to total assets | 62.9232% | 3,217 |
| Net loans and leases to deposits | 81.7172% | 2,216 |
| Net loans and leases to core deposits | 88.3711% | 2,203 |
| Total domestic deposits to total assets | 77.0012% | 5,968 |
| Equity capital to assets | 9.6693% | 4,198 |
| Core capital (leverage) ratio | 9.4856% | 4,290 |
| Tier 1 risk-based capital ratio | 15.6473% | 3,281 |
| Total risk-based capital ratio | 16.8994% | 3,236 |
| Memoranda: | ||
| Average total assets | $225,641,000 | 2,762 |
| Average earning assets | $208,199,600 | 2,742 |
| Average equity | $21,018,600 | 3,038 |
| Average total loans | $140,487,000 | 2,688 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 1,731 |
| Cost of funding earning assets | 0.6181% | 2,661 |
| Net interest margin | 4.0391% | 1,824 |
| Noninterest income to average assets | 0.4948% | 3,847 |
| Noninterest expense to average assets | 2.9991% | 2,997 |
| Loan and lease loss provision to assets | 0.3761% | 825 |
| Net operating income to assets | 0.5285% | 4,673 |
| Return on assets (ROA) | 0.5288% | 4,832 |
| Pretax return on assets | 0.8450% | 4,118 |
| Return on Equity (ROE) | 5.7301% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.7301% | 2,576 |
| Net charge-offs to loans | 0.6210% | 998 |
| Credit loss provision to net charge-offs | 97.8593% | 2,438 |
| Earnings coverage of net charge-offs (x) | 3.1758% | 3,781 |
| Efficiency ratio | 71.0765% | 3,595 |
| Assets per employee ($millions) | 3.9485% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 3,762 |
| Loan loss allowance to noncurrent loans | 65.5252% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.5051% | 1,536 |
| Noncurrent loans to loans | 2.1850% | 2,026 |
| Net loans and leases to total assets | 59.8238% | 3,722 |
| Net loans and leases to deposits | 79.9807% | 2,410 |
| Net loans and leases to core deposits | 86.4209% | 2,357 |
| Total domestic deposits to total assets | 74.7977% | 6,299 |
| Equity capital to assets | 9.2943% | 4,813 |
| Core capital (leverage) ratio | 9.6092% | 4,229 |
| Tier 1 risk-based capital ratio | 15.7597% | 3,324 |
| Total risk-based capital ratio | 17.0124% | 3,274 |
| Memoranda: | ||
| Average total assets | $226,910,250 | 2,773 |
| Average earning assets | $209,249,250 | 2,750 |
| Average equity | $20,941,500 | 3,080 |
| Average total loans | $140,416,750 | 2,703 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6549% | 1,688 |
| Cost of funding earning assets | 0.6597% | 2,407 |
| Net interest margin | 3.9953% | 1,873 |
| Noninterest income to average assets | 0.4456% | 4,194 |
| Noninterest expense to average assets | 3.0370% | 2,884 |
| Loan and lease loss provision to assets | 0.3802% | 845 |
| Net operating income to assets | 0.4556% | 4,991 |
| Return on assets (ROA) | 0.4562% | 5,157 |
| Pretax return on assets | 0.7241% | 4,595 |
| Return on Equity (ROE) | 4.9551% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.9551% | 3,082 |
| Net charge-offs to loans | 0.4912% | 1,330 |
| Credit loss provision to net charge-offs | 124.2775% | 1,814 |
| Earnings coverage of net charge-offs (x) | 3.6069% | 3,348 |
| Efficiency ratio | 73.3504% | 3,250 |
| Assets per employee ($millions) | 3.7571% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 3,674 |
| Loan loss allowance to noncurrent loans | 122.9547% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 2.0151% | 2,142 |
| Noncurrent loans to loans | 1.2036% | 3,550 |
| Net loans and leases to total assets | 62.7358% | 3,146 |
| Net loans and leases to deposits | 80.7004% | 2,224 |
| Net loans and leases to core deposits | 87.1604% | 2,215 |
| Total domestic deposits to total assets | 77.7391% | 6,021 |
| Equity capital to assets | 9.4658% | 4,628 |
| Core capital (leverage) ratio | 9.3721% | 4,427 |
| Tier 1 risk-based capital ratio | 15.0902% | 3,716 |
| Total risk-based capital ratio | 16.3429% | 3,679 |
| Memoranda: | ||
| Average total assets | $226,210,000 | 2,779 |
| Average earning assets | $209,198,330 | 2,754 |
| Average equity | $20,827,000 | 3,108 |
| Average total loans | $140,891,330 | 2,703 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 2,004 |
| Cost of funding earning assets | 0.7056% | 2,160 |
| Net interest margin | 3.8402% | 2,319 |
| Noninterest income to average assets | 0.3852% | 4,578 |
| Noninterest expense to average assets | 3.0480% | 2,844 |
| Loan and lease loss provision to assets | 0.3852% | 819 |
| Net operating income to assets | 0.3489% | 5,354 |
| Return on assets (ROA) | 0.3501% | 5,494 |
| Pretax return on assets | 0.5077% | 5,227 |
| Return on Equity (ROE) | 3.8556% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.8556% | 3,923 |
| Net charge-offs to loans | 0.6053% | 1,008 |
| Credit loss provision to net charge-offs | 103.2864% | 1,783 |
| Earnings coverage of net charge-offs (x) | 2.3897% | 3,046 |
| Efficiency ratio | 77.3778% | 2,712 |
| Assets per employee ($millions) | 3.8723% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 4,037 |
| Loan loss allowance to noncurrent loans | 95.7639% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 2.1666% | 2,162 |
| Noncurrent loans to loans | 1.5073% | 3,292 |
| Net loans and leases to total assets | 60.1313% | 3,405 |
| Net loans and leases to deposits | 76.5321% | 2,548 |
| Net loans and leases to core deposits | 82.4871% | 2,513 |
| Total domestic deposits to total assets | 78.5700% | 6,034 |
| Equity capital to assets | 9.1274% | 5,339 |
| Core capital (leverage) ratio | 9.1665% | 4,617 |
| Tier 1 risk-based capital ratio | 15.0383% | 3,813 |
| Total risk-based capital ratio | 16.2904% | 3,768 |
| Memoranda: | ||
| Average total assets | $228,479,500 | 2,796 |
| Average earning assets | $211,445,500 | 2,754 |
| Average equity | $20,749,000 | 3,169 |
| Average total loans | $140,759,000 | 2,715 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8789% | 1,913 |
| Cost of funding earning assets | 1.0596% | 1,078 |
| Net interest margin | 3.8193% | 3,145 |
| Noninterest income to average assets | 0.3962% | 4,643 |
| Noninterest expense to average assets | 2.9355% | 3,515 |
| Loan and lease loss provision to assets | 0.4810% | 1,275 |
| Net operating income to assets | 0.2993% | 5,470 |
| Return on assets (ROA) | 0.3191% | 5,609 |
| Pretax return on assets | 0.5616% | 5,099 |
| Return on Equity (ROE) | 3.5900% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.0806% | 4,063 |
| Net charge-offs to loans | 0.5569% | 2,075 |
| Credit loss provision to net charge-offs | 133.9394% | 2,090 |
| Earnings coverage of net charge-offs (x) | 2.8170% | 4,020 |
| Efficiency ratio | 74.3686% | 3,011 |
| Assets per employee ($millions) | 3.8082% | 4,349 |
| Cash dividends to net income (ytd only)* | 14.1883% | 3,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 4,127 |
| Loan loss allowance to noncurrent loans | 74.4705% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 2.4233% | 2,021 |
| Noncurrent loans to loans | 1.8934% | 2,814 |
| Net loans and leases to total assets | 61.3246% | 3,368 |
| Net loans and leases to deposits | 77.3088% | 2,610 |
| Net loans and leases to core deposits | 83.4503% | 2,613 |
| Total domestic deposits to total assets | 79.3242% | 5,816 |
| Equity capital to assets | 9.0352% | 5,481 |
| Core capital (leverage) ratio | 9.0638% | 4,798 |
| Tier 1 risk-based capital ratio | 14.5097% | 4,029 |
| Total risk-based capital ratio | 15.7619% | 3,979 |
| Memoranda: | ||
| Average total assets | $229,706,600 | 2,726 |
| Average earning assets | $213,572,000 | 2,691 |
| Average equity | $20,418,000 | 3,149 |
| Average total loans | $148,149,600 | 2,598 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9239% | 1,925 |
| Cost of funding earning assets | 1.1207% | 982 |
| Net interest margin | 3.8032% | 3,325 |
| Noninterest income to average assets | 0.4220% | 4,464 |
| Noninterest expense to average assets | 2.9743% | 3,330 |
| Loan and lease loss provision to assets | 0.4608% | 1,347 |
| Net operating income to assets | 0.3464% | 5,446 |
| Return on assets (ROA) | 0.3501% | 5,635 |
| Pretax return on assets | 0.5356% | 5,361 |
| Return on Equity (ROE) | 3.9551% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.9551% | 4,100 |
| Net charge-offs to loans | 0.4588% | 2,264 |
| Credit loss provision to net charge-offs | 154.3689% | 1,825 |
| Earnings coverage of net charge-offs (x) | 3.3184% | 3,694 |
| Efficiency ratio | 75.0146% | 2,825 |
| Assets per employee ($millions) | 3.9288% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 4,501 |
| Loan loss allowance to noncurrent loans | 47.4769% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 2.5160% | 2,103 |
| Noncurrent loans to loans | 2.8843% | 1,945 |
| Net loans and leases to total assets | 62.2703% | 3,339 |
| Net loans and leases to deposits | 79.5615% | 2,467 |
| Net loans and leases to core deposits | 85.6472% | 2,510 |
| Total domestic deposits to total assets | 78.2669% | 6,019 |
| Equity capital to assets | 8.9194% | 5,903 |
| Core capital (leverage) ratio | 8.9875% | 5,088 |
| Tier 1 risk-based capital ratio | 14.2349% | 4,359 |
| Total risk-based capital ratio | 15.4862% | 4,331 |
| Memoranda: | ||
| Average total assets | $230,009,750 | 2,752 |
| Average earning assets | $214,268,500 | 2,707 |
| Average equity | $20,361,250 | 3,192 |
| Average total loans | $149,655,250 | 2,610 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 1,819 |
| Cost of funding earning assets | 1.1674% | 954 |
| Net interest margin | 3.8205% | 3,266 |
| Noninterest income to average assets | 0.4158% | 4,536 |
| Noninterest expense to average assets | 2.9780% | 3,342 |
| Loan and lease loss provision to assets | 0.4446% | 1,453 |
| Net operating income to assets | 0.3605% | 5,375 |
| Return on assets (ROA) | 0.3662% | 5,579 |
| Pretax return on assets | 0.5597% | 5,279 |
| Return on Equity (ROE) | 4.1468% | 5,198 |
| Retained earnings to average equity (ytd only) | 4.1468% | 3,848 |
| Net charge-offs to loans | 0.3887% | 2,466 |
| Credit loss provision to net charge-offs | 174.0614% | 1,617 |
| Earnings coverage of net charge-offs (x) | 3.8976% | 3,237 |
| Efficiency ratio | 74.9452% | 2,903 |
| Assets per employee ($millions) | 3.6463% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 4,861 |
| Loan loss allowance to noncurrent loans | 38.0588% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 2.4413% | 2,291 |
| Noncurrent loans to loans | 3.4336% | 1,685 |
| Net loans and leases to total assets | 63.8135% | 3,075 |
| Net loans and leases to deposits | 78.8509% | 2,542 |
| Net loans and leases to core deposits | 84.5958% | 2,611 |
| Total domestic deposits to total assets | 80.9292% | 5,492 |
| Equity capital to assets | 8.9170% | 5,784 |
| Core capital (leverage) ratio | 8.8689% | 5,096 |
| Tier 1 risk-based capital ratio | 13.6525% | 4,702 |
| Total risk-based capital ratio | 14.9030% | 4,672 |
| Memoranda: | ||
| Average total assets | $229,413,330 | 2,763 |
| Average earning assets | $213,636,330 | 2,719 |
| Average equity | $20,256,670 | 3,194 |
| Average total loans | $150,758,330 | 2,607 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0266% | 1,796 |
| Cost of funding earning assets | 1.1926% | 1,022 |
| Net interest margin | 3.8340% | 3,221 |
| Noninterest income to average assets | 0.3978% | 4,692 |
| Noninterest expense to average assets | 2.9835% | 3,317 |
| Loan and lease loss provision to assets | 0.4309% | 1,455 |
| Net operating income to assets | 0.3694% | 5,388 |
| Return on assets (ROA) | 0.3786% | 5,542 |
| Pretax return on assets | 0.5758% | 5,201 |
| Return on Equity (ROE) | 4.3092% | 5,134 |
| Retained earnings to average equity (ytd only) | 4.3092% | 4,003 |
| Net charge-offs to loans | 0.2370% | 2,747 |
| Credit loss provision to net charge-offs | 274.4444% | 1,061 |
| Earnings coverage of net charge-offs (x) | 6.3222% | 2,229 |
| Efficiency ratio | 75.0329% | 2,936 |
| Assets per employee ($millions) | 3.5340% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 5,262 |
| Loan loss allowance to noncurrent loans | 36.4888% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 2.3982% | 2,473 |
| Noncurrent loans to loans | 3.4178% | 1,838 |
| Net loans and leases to total assets | 64.8422% | 2,685 |
| Net loans and leases to deposits | 79.0382% | 2,339 |
| Net loans and leases to core deposits | 83.9873% | 2,546 |
| Total domestic deposits to total assets | 82.0391% | 5,282 |
| Equity capital to assets | 8.8176% | 5,732 |
| Core capital (leverage) ratio | 8.9757% | 4,878 |
| Tier 1 risk-based capital ratio | 13.4788% | 4,843 |
| Total risk-based capital ratio | 14.7290% | 4,835 |
| Memoranda: | ||
| Average total assets | $229,261,000 | 2,773 |
| Average earning assets | $213,980,500 | 2,724 |
| Average equity | $20,143,000 | 3,208 |
| Average total loans | $151,871,500 | 2,604 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1004% | 2,456 |
| Cost of funding earning assets | 1.4530% | 854 |
| Net interest margin | 3.6475% | 4,533 |
| Noninterest income to average assets | 0.4846% | 3,963 |
| Noninterest expense to average assets | 2.8540% | 4,153 |
| Loan and lease loss provision to assets | 0.5733% | 1,812 |
| Net operating income to assets | 0.2653% | 5,385 |
| Return on assets (ROA) | 0.2911% | 5,442 |
| Pretax return on assets | 0.5020% | 4,986 |
| Return on Equity (ROE) | 3.4786% | 5,083 |
| Retained earnings to average equity (ytd only) | 2.9512% | 4,136 |
| Net charge-offs to loans | 0.9900% | 1,757 |
| Credit loss provision to net charge-offs | 87.8414% | 4,106 |
| Earnings coverage of net charge-offs (x) | 1.5858% | 4,583 |
| Efficiency ratio | 73.3879% | 3,326 |
| Assets per employee ($millions) | 3.5752% | 4,836 |
| Cash dividends to net income (ytd only)* | 15.1603% | 3,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 5,705 |
| Loan loss allowance to noncurrent loans | 42.2653% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 1.9151% | 3,088 |
| Noncurrent loans to loans | 2.6675% | 2,436 |
| Net loans and leases to total assets | 66.0756% | 2,766 |
| Net loans and leases to deposits | 79.0609% | 2,674 |
| Net loans and leases to core deposits | 83.7830% | 2,917 |
| Total domestic deposits to total assets | 83.5756% | 4,505 |
| Equity capital to assets | 8.7543% | 5,845 |
| Core capital (leverage) ratio | 8.4610% | 5,624 |
| Tier 1 risk-based capital ratio | 13.2919% | 4,843 |
| Total risk-based capital ratio | 14.4377% | 4,901 |
| Memoranda: | ||
| Average total assets | $235,671,400 | 2,676 |
| Average earning assets | $219,961,400 | 2,613 |
| Average equity | $19,720,800 | 3,189 |
| Average total loans | $155,350,600 | 2,560 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1362% | 2,447 |
| Cost of funding earning assets | 1.4750% | 939 |
| Net interest margin | 3.6611% | 4,521 |
| Noninterest income to average assets | 0.4095% | 4,597 |
| Noninterest expense to average assets | 2.7825% | 4,408 |
| Loan and lease loss provision to assets | 0.6959% | 1,391 |
| Net operating income to assets | 0.2337% | 5,611 |
| Return on assets (ROA) | 0.2696% | 5,667 |
| Pretax return on assets | 0.3993% | 5,477 |
| Return on Equity (ROE) | 3.2580% | 5,329 |
| Retained earnings to average equity (ytd only) | 3.2580% | 4,401 |
| Net charge-offs to loans | 1.2131% | 1,290 |
| Credit loss provision to net charge-offs | 87.3150% | 3,882 |
| Earnings coverage of net charge-offs (x) | 1.3080% | 4,640 |
| Efficiency ratio | 72.7460% | 3,415 |
| Assets per employee ($millions) | 3.8344% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 5,766 |
| Loan loss allowance to noncurrent loans | 49.4713% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 1.6269% | 3,645 |
| Noncurrent loans to loans | 2.2845% | 3,015 |
| Net loans and leases to total assets | 62.6870% | 3,574 |
| Net loans and leases to deposits | 74.8747% | 3,531 |
| Net loans and leases to core deposits | 79.7320% | 3,680 |
| Total domestic deposits to total assets | 83.7225% | 4,361 |
| Equity capital to assets | 8.2594% | 6,519 |
| Core capital (leverage) ratio | 8.3013% | 5,971 |
| Tier 1 risk-based capital ratio | 12.9944% | 5,103 |
| Total risk-based capital ratio | 14.1249% | 5,164 |
| Memoranda: | ||
| Average total assets | $237,386,250 | 2,674 |
| Average earning assets | $221,456,500 | 2,611 |
| Average equity | $19,643,250 | 3,200 |
| Average total loans | $155,960,000 | 2,575 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1607% | 2,416 |
| Cost of funding earning assets | 1.5075% | 983 |
| Net interest margin | 3.6533% | 4,503 |
| Noninterest income to average assets | 0.4229% | 4,488 |
| Noninterest expense to average assets | 2.7043% | 4,806 |
| Loan and lease loss provision to assets | 0.9000% | 997 |
| Net operating income to assets | 0.1556% | 5,868 |
| Return on assets (ROA) | 0.1864% | 5,892 |
| Pretax return on assets | 0.2678% | 5,754 |
| Return on Equity (ROE) | 2.2518% | 5,699 |
| Retained earnings to average equity (ytd only) | 2.2518% | 4,859 |
| Net charge-offs to loans | 1.7490% | 814 |
| Credit loss provision to net charge-offs | 77.4052% | 3,847 |
| Earnings coverage of net charge-offs (x) | 0.9665% | 4,571 |
| Efficiency ratio | 70.6442% | 4,001 |
| Assets per employee ($millions) | 3.7356% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 6,190 |
| Loan loss allowance to noncurrent loans | 75.4477% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 4,643 |
| Noncurrent loans to loans | 1.3774% | 4,348 |
| Net loans and leases to total assets | 64.7834% | 3,299 |
| Net loans and leases to deposits | 76.5314% | 3,372 |
| Net loans and leases to core deposits | 81.7123% | 3,552 |
| Total domestic deposits to total assets | 84.6495% | 4,053 |
| Equity capital to assets | 8.3568% | 6,356 |
| Core capital (leverage) ratio | 8.3230% | 5,828 |
| Tier 1 risk-based capital ratio | 12.7031% | 5,173 |
| Total risk-based capital ratio | 13.7388% | 5,335 |
| Memoranda: | ||
| Average total assets | $235,992,670 | 2,694 |
| Average earning assets | $219,968,330 | 2,648 |
| Average equity | $19,540,330 | 3,195 |
| Average total loans | $156,892,670 | 2,585 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1296% | 2,515 |
| Cost of funding earning assets | 1.5532% | 966 |
| Net interest margin | 3.5764% | 4,679 |
| Noninterest income to average assets | 0.4079% | 4,647 |
| Noninterest expense to average assets | 2.8589% | 4,234 |
| Loan and lease loss provision to assets | 0.3318% | 2,570 |
| Net operating income to assets | 0.3758% | 5,046 |
| Return on assets (ROA) | 0.3758% | 5,128 |
| Pretax return on assets | 0.5535% | 4,852 |
| Return on Equity (ROE) | 4.5592% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.5592% | 3,444 |
| Net charge-offs to loans | 1.0486% | 1,303 |
| Credit loss provision to net charge-offs | 47.2289% | 3,811 |
| Earnings coverage of net charge-offs (x) | 1.2602% | 3,726 |
| Efficiency ratio | 76.3562% | 3,100 |
| Assets per employee ($millions) | 3.8425% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 6,132 |
| Loan loss allowance to noncurrent loans | 103.6765% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.9235% | 5,049 |
| Noncurrent loans to loans | 1.0379% | 4,983 |
| Net loans and leases to total assets | 65.2920% | 3,181 |
| Net loans and leases to deposits | 78.2298% | 3,018 |
| Net loans and leases to core deposits | 83.4831% | 3,235 |
| Total domestic deposits to total assets | 83.4618% | 4,713 |
| Equity capital to assets | 8.2347% | 6,244 |
| Core capital (leverage) ratio | 8.3469% | 5,717 |
| Tier 1 risk-based capital ratio | 12.4282% | 5,332 |
| Total risk-based capital ratio | 13.4992% | 5,474 |
| Memoranda: | ||
| Average total assets | $236,318,500 | 2,718 |
| Average earning assets | $220,444,500 | 2,655 |
| Average equity | $19,477,000 | 3,191 |
| Average total loans | $158,307,500 | 2,587 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5325% | 2,150 |
| Cost of funding earning assets | 1.9522% | 720 |
| Net interest margin | 3.5804% | 4,908 |
| Noninterest income to average assets | 0.4758% | 4,344 |
| Noninterest expense to average assets | 2.9693% | 3,961 |
| Loan and lease loss provision to assets | 0.5615% | 2,880 |
| Net operating income to assets | 0.1873% | 5,309 |
| Return on assets (ROA) | 0.2839% | 5,153 |
| Pretax return on assets | 0.4134% | 4,906 |
| Return on Equity (ROE) | 3.5261% | 4,739 |
| Retained earnings to average equity (ytd only) | 2.9812% | 3,763 |
| Net charge-offs to loans | 0.7042% | 2,899 |
| Credit loss provision to net charge-offs | 119.2652% | 3,557 |
| Earnings coverage of net charge-offs (x) | 1.7733% | 4,389 |
| Efficiency ratio | 78.0550% | 2,702 |
| Assets per employee ($millions) | 3.6062% | 4,691 |
| Cash dividends to net income (ytd only)* | 15.4532% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 5,516 |
| Loan loss allowance to noncurrent loans | 93.6765% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 1.0230% | 4,955 |
| Noncurrent loans to loans | 1.2800% | 4,575 |
| Net loans and leases to total assets | 67.1768% | 3,171 |
| Net loans and leases to deposits | 79.9102% | 3,191 |
| Net loans and leases to core deposits | 85.5442% | 3,390 |
| Total domestic deposits to total assets | 84.0653% | 4,335 |
| Equity capital to assets | 8.2491% | 6,204 |
| Core capital (leverage) ratio | 8.0861% | 6,049 |
| Tier 1 risk-based capital ratio | 12.3814% | 5,132 |
| Total risk-based capital ratio | 13.6004% | 5,134 |
| Memoranda: | ||
| Average total assets | $237,058,400 | 2,670 |
| Average earning assets | $220,369,000 | 2,632 |
| Average equity | $19,086,000 | 3,270 |
| Average total loans | $158,485,000 | 2,634 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5635% | 2,197 |
| Cost of funding earning assets | 2.0082% | 729 |
| Net interest margin | 3.5553% | 5,081 |
| Noninterest income to average assets | 0.4773% | 4,349 |
| Noninterest expense to average assets | 3.0690% | 3,487 |
| Loan and lease loss provision to assets | 0.3130% | 4,077 |
| Net operating income to assets | 0.3226% | 5,080 |
| Return on assets (ROA) | 0.4117% | 4,872 |
| Pretax return on assets | 0.5087% | 4,893 |
| Return on Equity (ROE) | 5.1444% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.1444% | 2,877 |
| Net charge-offs to loans | 0.5425% | 3,129 |
| Credit loss provision to net charge-offs | 86.6460% | 4,895 |
| Earnings coverage of net charge-offs (x) | 1.9705% | 4,237 |
| Efficiency ratio | 81.1749% | 2,173 |
| Assets per employee ($millions) | 3.5788% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 6,363 |
| Loan loss allowance to noncurrent loans | 72.2946% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.0910% | 4,931 |
| Noncurrent loans to loans | 1.3930% | 4,531 |
| Net loans and leases to total assets | 66.0048% | 3,691 |
| Net loans and leases to deposits | 77.5235% | 3,916 |
| Net loans and leases to core deposits | 82.4533% | 4,177 |
| Total domestic deposits to total assets | 85.1417% | 3,553 |
| Equity capital to assets | 8.2305% | 6,577 |
| Core capital (leverage) ratio | 8.1633% | 6,094 |
| Tier 1 risk-based capital ratio | 12.1612% | 5,311 |
| Total risk-based capital ratio | 13.1620% | 5,517 |
| Memoranda: | ||
| Average total assets | $237,722,750 | 2,696 |
| Average earning assets | $220,886,000 | 2,659 |
| Average equity | $19,023,500 | 3,312 |
| Average total loans | $158,262,750 | 2,682 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5986% | 2,142 |
| Cost of funding earning assets | 2.0502% | 770 |
| Net interest margin | 3.5485% | 5,054 |
| Noninterest income to average assets | 0.5417% | 3,773 |
| Noninterest expense to average assets | 3.1109% | 3,264 |
| Loan and lease loss provision to assets | 0.2464% | 4,466 |
| Net operating income to assets | 0.3590% | 4,933 |
| Return on assets (ROA) | 0.3755% | 5,035 |
| Pretax return on assets | 0.4995% | 4,900 |
| Return on Equity (ROE) | 4.7375% | 4,419 |
| Retained earnings to average equity (ytd only) | 4.7375% | 3,057 |
| Net charge-offs to loans | 0.2637% | 4,020 |
| Credit loss provision to net charge-offs | 140.3846% | 2,854 |
| Earnings coverage of net charge-offs (x) | 4.1250% | 3,045 |
| Efficiency ratio | 81.1221% | 2,284 |
| Assets per employee ($millions) | 3.6006% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 5,849 |
| Loan loss allowance to noncurrent loans | 70.8599% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 4,832 |
| Noncurrent loans to loans | 1.5806% | 4,338 |
| Net loans and leases to total assets | 65.1397% | 4,011 |
| Net loans and leases to deposits | 75.9606% | 4,342 |
| Net loans and leases to core deposits | 80.8396% | 4,572 |
| Total domestic deposits to total assets | 85.7546% | 3,230 |
| Equity capital to assets | 7.9613% | 6,794 |
| Core capital (leverage) ratio | 7.9639% | 6,307 |
| Tier 1 risk-based capital ratio | 12.1821% | 5,144 |
| Total risk-based capital ratio | 13.3233% | 5,216 |
| Memoranda: | ||
| Average total assets | $237,037,670 | 2,731 |
| Average earning assets | $219,982,000 | 2,685 |
| Average equity | $18,786,330 | 3,335 |
| Average total loans | $157,725,330 | 2,725 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5431% | 2,394 |
| Cost of funding earning assets | 2.1003% | 810 |
| Net interest margin | 3.4428% | 5,408 |
| Noninterest income to average assets | 0.5550% | 3,611 |
| Noninterest expense to average assets | 3.1277% | 3,151 |
| Loan and lease loss provision to assets | 0.2145% | 4,365 |
| Net operating income to assets | 0.3145% | 5,237 |
| Return on assets (ROA) | 0.3320% | 5,284 |
| Pretax return on assets | 0.4222% | 5,217 |
| Return on Equity (ROE) | 4.1989% | 4,805 |
| Retained earnings to average equity (ytd only) | 4.1989% | 3,629 |
| Net charge-offs to loans | 0.2469% | 3,464 |
| Credit loss provision to net charge-offs | 129.8969% | 2,724 |
| Earnings coverage of net charge-offs (x) | 3.7216% | 2,813 |
| Efficiency ratio | 83.5760% | 2,065 |
| Assets per employee ($millions) | 3.4383% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 6,047 |
| Loan loss allowance to noncurrent loans | 142.6799% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 5,417 |
| Noncurrent loans to loans | 0.7649% | 5,794 |
| Net loans and leases to total assets | 65.9005% | 3,876 |
| Net loans and leases to deposits | 76.6395% | 4,294 |
| Net loans and leases to core deposits | 80.1344% | 4,746 |
| Total domestic deposits to total assets | 85.9877% | 3,158 |
| Equity capital to assets | 7.9126% | 6,744 |
| Core capital (leverage) ratio | 7.9545% | 6,305 |
| Tier 1 risk-based capital ratio | 12.0740% | 5,118 |
| Total risk-based capital ratio | 13.1857% | 5,225 |
| Memoranda: | ||
| Average total assets | $234,935,000 | 2,815 |
| Average earning assets | $217,496,000 | 2,773 |
| Average equity | $18,576,500 | 3,382 |
| Average total loans | $157,125,500 | 2,788 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9668% | 2,003 |
| Cost of funding earning assets | 2.5837% | 816 |
| Net interest margin | 3.3831% | 5,437 |
| Noninterest income to average assets | 0.7659% | 2,582 |
| Noninterest expense to average assets | 2.9912% | 4,179 |
| Loan and lease loss provision to assets | 0.2613% | 5,317 |
| Net operating income to assets | 0.3606% | 4,286 |
| Return on assets (ROA) | 0.1421% | 5,144 |
| Pretax return on assets | 0.2684% | 4,849 |
| Return on Equity (ROE) | 1.8734% | 4,953 |
| Retained earnings to average equity (ytd only) | 1.3166% | 4,124 |
| Net charge-offs to loans | 0.2438% | 5,098 |
| Credit loss provision to net charge-offs | 161.4130% | 2,747 |
| Earnings coverage of net charge-offs (x) | 5.3804% | 2,618 |
| Efficiency ratio | 77.4462% | 3,279 |
| Assets per employee ($millions) | 3.3233% | 5,449 |
| Cash dividends to net income (ytd only)* | 29.7214% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 5,968 |
| Loan loss allowance to noncurrent loans | 88.7958% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.2088% | 4,682 |
| Noncurrent loans to loans | 1.2229% | 4,907 |
| Net loans and leases to total assets | 66.4092% | 4,053 |
| Net loans and leases to deposits | 76.9572% | 4,576 |
| Net loans and leases to core deposits | 107.0158% | 3,217 |
| Total domestic deposits to total assets | 86.2936% | 2,873 |
| Equity capital to assets | 7.9014% | 6,671 |
| Core capital (leverage) ratio | 7.9324% | 6,284 |
| Tier 1 risk-based capital ratio | 11.9687% | 4,969 |
| Total risk-based capital ratio | 13.0737% | 5,057 |
| Memoranda: | ||
| Average total assets | $227,300,000 | 2,853 |
| Average earning assets | $208,035,800 | 2,860 |
| Average equity | $17,241,400 | 3,624 |
| Average total loans | $150,948,200 | 2,901 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9834% | 2,107 |
| Cost of funding earning assets | 2.6734% | 856 |
| Net interest margin | 3.3100% | 5,604 |
| Noninterest income to average assets | 0.5127% | 4,384 |
| Noninterest expense to average assets | 2.9236% | 4,349 |
| Loan and lease loss provision to assets | 0.1935% | 5,448 |
| Net operating income to assets | 0.3157% | 4,737 |
| Return on assets (ROA) | -0.2584% | 6,160 |
| Pretax return on assets | -0.1564% | 5,915 |
| Return on Equity (ROE) | -3.4440% | 6,291 |
| Retained earnings to average equity (ytd only) | -3.4440% | 6,018 |
| Net charge-offs to loans | 0.1996% | 4,812 |
| Credit loss provision to net charge-offs | 146.4286% | 3,316 |
| Earnings coverage of net charge-offs (x) | 4.6250% | 3,069 |
| Efficiency ratio | 82.7074% | 2,476 |
| Assets per employee ($millions) | 3.3582% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 6,123 |
| Loan loss allowance to noncurrent loans | 145.4713% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 5,567 |
| Noncurrent loans to loans | 0.7057% | 5,891 |
| Net loans and leases to total assets | 65.4866% | 4,538 |
| Net loans and leases to deposits | 77.1219% | 4,880 |
| Net loans and leases to core deposits | 108.0951% | 3,460 |
| Total domestic deposits to total assets | 84.9132% | 3,280 |
| Equity capital to assets | 7.1928% | 7,495 |
| Core capital (leverage) ratio | 7.2560% | 7,220 |
| Tier 1 risk-based capital ratio | 11.1916% | 5,766 |
| Total risk-based capital ratio | 12.2499% | 5,919 |
| Memoranda: | ||
| Average total assets | $225,967,750 | 2,886 |
| Average earning assets | $206,321,500 | 2,904 |
| Average equity | $16,956,500 | 3,711 |
| Average total loans | $149,639,500 | 2,960 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0172% | 2,117 |
| Cost of funding earning assets | 2.7797% | 832 |
| Net interest margin | 3.2376% | 5,778 |
| Noninterest income to average assets | 0.4669% | 4,732 |
| Noninterest expense to average assets | 2.8726% | 4,619 |
| Loan and lease loss provision to assets | 0.1714% | 5,355 |
| Net operating income to assets | 0.3106% | 4,846 |
| Return on assets (ROA) | -0.5579% | 6,616 |
| Pretax return on assets | -0.5106% | 6,435 |
| Return on Equity (ROE) | -7.3301% | 6,833 |
| Retained earnings to average equity (ytd only) | -7.3301% | 6,597 |
| Net charge-offs to loans | 0.2480% | 3,957 |
| Credit loss provision to net charge-offs | 104.3478% | 4,403 |
| Earnings coverage of net charge-offs (x) | 3.2228% | 3,522 |
| Efficiency ratio | 84.4398% | 2,428 |
| Assets per employee ($millions) | 3.2674% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 6,340 |
| Loan loss allowance to noncurrent loans | 218.9630% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5850% | 5,957 |
| Noncurrent loans to loans | 0.4510% | 6,396 |
| Net loans and leases to total assets | 64.7929% | 4,812 |
| Net loans and leases to deposits | 74.3717% | 5,399 |
| Net loans and leases to core deposits | 100.6199% | 4,448 |
| Total domestic deposits to total assets | 87.1204% | 2,183 |
| Equity capital to assets | 7.0821% | 7,559 |
| Core capital (leverage) ratio | 7.0607% | 7,493 |
| Tier 1 risk-based capital ratio | 11.1846% | 5,687 |
| Total risk-based capital ratio | 12.1910% | 5,882 |
| Memoranda: | ||
| Average total assets | $224,050,670 | 2,923 |
| Average earning assets | $203,116,330 | 2,958 |
| Average equity | $17,053,000 | 3,700 |
| Average total loans | $148,413,000 | 3,013 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0992% | 1,946 |
| Cost of funding earning assets | 2.8637% | 843 |
| Net interest margin | 3.2354% | 5,736 |
| Noninterest income to average assets | 0.5286% | 4,071 |
| Noninterest expense to average assets | 3.1085% | 3,344 |
| Loan and lease loss provision to assets | 0.1191% | 5,439 |
| Net operating income to assets | 0.2143% | 5,616 |
| Return on assets (ROA) | 0.2616% | 5,599 |
| Pretax return on assets | 0.2706% | 5,759 |
| Return on Equity (ROE) | 3.3180% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.3180% | 4,032 |
| Net charge-offs to loans | 0.1895% | 3,500 |
| Credit loss provision to net charge-offs | 94.2857% | 3,914 |
| Earnings coverage of net charge-offs (x) | 2.7000% | 3,412 |
| Efficiency ratio | 90.1151% | 1,711 |
| Assets per employee ($millions) | 3.2504% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 6,236 |
| Loan loss allowance to noncurrent loans | 136.1188% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.9845% | 4,731 |
| Noncurrent loans to loans | 0.7300% | 5,601 |
| Net loans and leases to total assets | 63.2963% | 5,107 |
| Net loans and leases to deposits | 73.3447% | 5,564 |
| Net loans and leases to core deposits | 99.6480% | 4,576 |
| Total domestic deposits to total assets | 86.2998% | 2,557 |
| Equity capital to assets | 7.5744% | 7,289 |
| Core capital (leverage) ratio | 7.9086% | 6,601 |
| Tier 1 risk-based capital ratio | 11.9487% | 5,002 |
| Total risk-based capital ratio | 12.9523% | 5,124 |
| Memoranda: | ||
| Average total assets | $221,717,000 | 2,966 |
| Average earning assets | $200,159,000 | 3,012 |
| Average equity | $17,480,500 | 3,643 |
| Average total loans | $147,784,000 | 3,044 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1636% | 798 |
| Cost of funding earning assets | 3.4555% | 590 |
| Net interest margin | 3.7081% | 4,439 |
| Noninterest income to average assets | 0.6129% | 3,759 |
| Noninterest expense to average assets | 3.0946% | 3,712 |
| Loan and lease loss provision to assets | 0.2331% | 4,567 |
| Net operating income to assets | 0.5047% | 4,711 |
| Return on assets (ROA) | 0.5403% | 4,419 |
| Pretax return on assets | 0.7416% | 4,275 |
| Return on Equity (ROE) | 6.3482% | 3,811 |
| Retained earnings to average equity (ytd only) | 4.1056% | 2,578 |
| Net charge-offs to loans | 0.2655% | 3,631 |
| Credit loss provision to net charge-offs | 125.4011% | 4,260 |
| Earnings coverage of net charge-offs (x) | 4.9813% | 3,795 |
| Efficiency ratio | 76.9687% | 3,084 |
| Assets per employee ($millions) | 3.2716% | 5,286 |
| Cash dividends to net income (ytd only)* | 35.3266% | 3,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 6,121 |
| Loan loss allowance to noncurrent loans | 176.6827% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.8888% | 4,636 |
| Noncurrent loans to loans | 0.5621% | 5,681 |
| Net loans and leases to total assets | 68.9179% | 4,273 |
| Net loans and leases to deposits | 79.2617% | 5,162 |
| Net loans and leases to core deposits | 105.9427% | 4,204 |
| Total domestic deposits to total assets | 86.9498% | 1,956 |
| Equity capital to assets | 8.2203% | 6,522 |
| Core capital (leverage) ratio | 8.2068% | 6,153 |
| Tier 1 risk-based capital ratio | 11.9622% | 4,851 |
| Total risk-based capital ratio | 12.9782% | 4,942 |
| Memoranda: | ||
| Average total assets | $201,187,400 | 3,120 |
| Average earning assets | $184,894,000 | 3,116 |
| Average equity | $17,123,000 | 3,713 |
| Average total loans | $140,869,800 | 3,079 |