Home > Citizens Bank & Trust Company > Performance and Condition Ratios
Citizens Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 3,059 |
| Cost of funding earning assets | 1.7169% | 1,414 |
| Net interest margin | 2.8044% | 3,651 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.0150% | 3,596 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8963% | 2,559 |
| Return on assets (ROA) | 0.8963% | 2,533 |
| Pretax return on assets | 1.1079% | 2,395 |
| Return on Equity (ROE) | 7.6700% | 3,107 |
| Retained earnings to average equity (ytd only) | 5.2167% | 2,526 |
| Net charge-offs to loans | 0.0461% | 1,422 |
| Credit loss provision to net charge-offs | 37.9747% | 2,250 |
| Earnings coverage of net charge-offs (x) | 44.4557% | 1,369 |
| Efficiency ratio | 64.3271% | 2,566 |
| Assets per employee ($millions) | 8.1288% | 1,369 |
| Cash dividends to net income (ytd only)* | 31.9489% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8750% | 465 |
| Loan loss allowance to noncurrent loans | 1,090.9699% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 2,929 |
| Noncurrent loans to loans | 0.1719% | 2,658 |
| Net loans and leases to total assets | 51.2200% | 3,529 |
| Net loans and leases to deposits | 58.4231% | 3,610 |
| Net loans and leases to core deposits | 62.8194% | 3,643 |
| Total domestic deposits to total assets | 87.6700% | 1,462 |
| Equity capital to assets | 11.7901% | 1,205 |
| Core capital (leverage) ratio | 14.0590% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $314,300,600 | 2,349 |
| Average earning assets | $300,781,600 | 2,303 |
| Average equity | $36,747,200 | 1,994 |
| Average total loans | $171,401,600 | 2,513 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 2,998 |
| Cost of funding earning assets | 1.5577% | 1,465 |
| Net interest margin | 2.8979% | 3,549 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.1243% | 3,285 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8946% | 2,698 |
| Return on assets (ROA) | 0.8946% | 2,688 |
| Pretax return on assets | 1.0863% | 2,601 |
| Return on Equity (ROE) | 7.6700% | 3,271 |
| Retained earnings to average equity (ytd only) | 5.8227% | 2,684 |
| Net charge-offs to loans | 0.0515% | 1,164 |
| Credit loss provision to net charge-offs | 45.4545% | 1,913 |
| Earnings coverage of net charge-offs (x) | 38.6667% | 1,464 |
| Efficiency ratio | 65.9006% | 2,290 |
| Assets per employee ($millions) | 7.6123% | 1,560 |
| Cash dividends to net income (ytd only)* | 24.0732% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9201% | 459 |
| Loan loss allowance to noncurrent loans | 2,559.3750% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,397 |
| Noncurrent loans to loans | 0.0750% | 3,221 |
| Net loans and leases to total assets | 52.3400% | 3,473 |
| Net loans and leases to deposits | 59.1866% | 3,545 |
| Net loans and leases to core deposits | 63.6891% | 3,545 |
| Total domestic deposits to total assets | 88.4300% | 1,434 |
| Equity capital to assets | 10.9641% | 1,357 |
| Core capital (leverage) ratio | 14.1693% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $309,555,500 | 2,380 |
| Average earning assets | $296,070,500 | 2,328 |
| Average equity | $36,110,500 | 2,004 |
| Average total loans | $170,758,250 | 2,524 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 3,028 |
| Cost of funding earning assets | 1.3270% | 1,640 |
| Net interest margin | 3.0084% | 3,410 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.1805% | 3,131 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9367% | 2,628 |
| Return on assets (ROA) | 0.9367% | 2,613 |
| Pretax return on assets | 1.1229% | 2,579 |
| Return on Equity (ROE) | 7.8700% | 3,270 |
| Retained earnings to average equity (ytd only) | 5.1230% | 2,915 |
| Net charge-offs to loans | 0.0656% | 898 |
| Credit loss provision to net charge-offs | 53.5714% | 1,655 |
| Earnings coverage of net charge-offs (x) | 31.2321% | 1,528 |
| Efficiency ratio | 65.6182% | 2,301 |
| Assets per employee ($millions) | 7.2237% | 1,771 |
| Cash dividends to net income (ytd only)* | 34.8675% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9178% | 485 |
| Loan loss allowance to noncurrent loans | 2,587.4016% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 3,364 |
| Noncurrent loans to loans | 0.0741% | 3,159 |
| Net loans and leases to total assets | 54.1000% | 3,269 |
| Net loans and leases to deposits | 61.7524% | 3,321 |
| Net loans and leases to core deposits | 65.7353% | 3,361 |
| Total domestic deposits to total assets | 87.6100% | 1,744 |
| Equity capital to assets | 11.7975% | 1,105 |
| Core capital (leverage) ratio | 14.3925% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $306,168,333 | 2,404 |
| Average earning assets | $292,850,000 | 2,354 |
| Average equity | $36,462,667 | 2,001 |
| Average total loans | $170,805,667 | 2,520 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2721% | 2,870 |
| Cost of funding earning assets | 1.2285% | 1,384 |
| Net interest margin | 3.0436% | 3,485 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.1978% | 3,104 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9199% | 2,790 |
| Return on assets (ROA) | 0.9199% | 2,745 |
| Pretax return on assets | 1.1173% | 2,664 |
| Return on Equity (ROE) | 7.6900% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.6873% | 2,319 |
| Net charge-offs to loans | 0.1079% | 567 |
| Credit loss provision to net charge-offs | 65.2174% | 1,262 |
| Earnings coverage of net charge-offs (x) | 19.1087% | 1,473 |
| Efficiency ratio | 65.5159% | 2,267 |
| Assets per employee ($millions) | 6.8246% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9398% | 491 |
| Loan loss allowance to noncurrent loans | 1,102.3411% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 2,853 |
| Noncurrent loans to loans | 0.1760% | 2,599 |
| Net loans and leases to total assets | 54.2500% | 3,182 |
| Net loans and leases to deposits | 62.1676% | 3,217 |
| Net loans and leases to core deposits | 65.6528% | 3,255 |
| Total domestic deposits to total assets | 87.2700% | 2,170 |
| Equity capital to assets | 12.1594% | 948 |
| Core capital (leverage) ratio | 14.4024% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $303,944,000 | 2,448 |
| Average earning assets | $289,786,000 | 2,399 |
| Average equity | $36,371,500 | 2,029 |
| Average total loans | $170,539,000 | 2,540 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8053% | 2,263 |
| Cost of funding earning assets | 0.6046% | 886 |
| Net interest margin | 3.2008% | 2,866 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.1586% | 3,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2370% | 1,637 |
| Return on assets (ROA) | 1.2453% | 1,567 |
| Pretax return on assets | 1.5081% | 1,430 |
| Return on Equity (ROE) | 10.4700% | 2,654 |
| Retained earnings to average equity (ytd only) | 7.8310% | 1,910 |
| Net charge-offs to loans | -0.0047% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.0309% | 3,184 |
| Assets per employee ($millions) | 6.6841% | 2,195 |
| Cash dividends to net income (ytd only)* | 25.2190% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9350% | 489 |
| Loan loss allowance to noncurrent loans | 1,107.6923% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 2,845 |
| Noncurrent loans to loans | 0.1747% | 2,608 |
| Net loans and leases to total assets | 55.8000% | 3,050 |
| Net loans and leases to deposits | 63.5845% | 3,071 |
| Net loans and leases to core deposits | 67.1114% | 3,062 |
| Total domestic deposits to total assets | 87.7600% | 2,158 |
| Equity capital to assets | 11.7696% | 1,000 |
| Core capital (leverage) ratio | 14.0645% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $302,508,600 | 2,438 |
| Average earning assets | $285,495,200 | 2,414 |
| Average equity | $35,972,600 | 2,070 |
| Average total loans | $169,561,200 | 2,462 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5984% | 2,352 |
| Cost of funding earning assets | 0.4598% | 941 |
| Net interest margin | 3.1386% | 2,805 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.2578% | 2,766 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9858% | 2,525 |
| Return on assets (ROA) | 0.9969% | 2,457 |
| Pretax return on assets | 1.1927% | 2,397 |
| Return on Equity (ROE) | 8.3600% | 3,214 |
| Retained earnings to average equity (ytd only) | 6.5160% | 2,547 |
| Net charge-offs to loans | -0.0063% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.6850% | 2,324 |
| Assets per employee ($millions) | 6.8466% | 2,064 |
| Cash dividends to net income (ytd only)* | 22.0751% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9845% | 514 |
| Loan loss allowance to noncurrent loans | 1,000.3021% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 2,889 |
| Noncurrent loans to loans | 0.1984% | 2,609 |
| Net loans and leases to total assets | 53.0800% | 3,183 |
| Net loans and leases to deposits | 59.6000% | 3,231 |
| Net loans and leases to core deposits | 62.1024% | 3,236 |
| Total domestic deposits to total assets | 89.0600% | 2,067 |
| Equity capital to assets | 10.4626% | 1,387 |
| Core capital (leverage) ratio | 13.8595% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $302,940,000 | 2,452 |
| Average earning assets | $285,636,500 | 2,431 |
| Average equity | $36,115,500 | 2,102 |
| Average total loans | $169,160,750 | 2,462 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5446% | 2,006 |
| Cost of funding earning assets | 0.3688% | 1,118 |
| Net interest margin | 3.1758% | 2,267 |
| Noninterest income to average assets | 0.4873% | 2,266 |
| Noninterest expense to average assets | 2.2502% | 2,705 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0471% | 1,986 |
| Return on assets (ROA) | 1.0471% | 1,955 |
| Pretax return on assets | 1.2562% | 1,882 |
| Return on Equity (ROE) | 8.4311% | 2,888 |
| Retained earnings to average equity (ytd only) | 5.7580% | 2,415 |
| Net charge-offs to loans | -0.0024% | 3,165 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1735% | 2,748 |
| Assets per employee ($millions) | 6.6815% | 2,184 |
| Cash dividends to net income (ytd only)* | 31.7058% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9658% | 594 |
| Loan loss allowance to noncurrent loans | 556.5657% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 2,313 |
| Noncurrent loans to loans | 0.3532% | 2,085 |
| Net loans and leases to total assets | 56.0802% | 2,744 |
| Net loans and leases to deposits | 63.9253% | 2,729 |
| Net loans and leases to core deposits | 66.6242% | 2,773 |
| Total domestic deposits to total assets | 87.7277% | 2,682 |
| Equity capital to assets | 11.8376% | 929 |
| Core capital (leverage) ratio | 13.8786% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,221,333 | 2,477 |
| Average earning assets | $286,355,000 | 2,452 |
| Average equity | $37,409,000 | 2,098 |
| Average total loans | $169,934,667 | 2,463 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5596% | 1,625 |
| Cost of funding earning assets | 0.3612% | 1,123 |
| Net interest margin | 3.1984% | 1,885 |
| Noninterest income to average assets | 0.4763% | 2,266 |
| Noninterest expense to average assets | 2.2464% | 2,700 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0720% | 1,614 |
| Return on assets (ROA) | 1.0720% | 1,606 |
| Pretax return on assets | 1.2623% | 1,613 |
| Return on Equity (ROE) | 8.4416% | 2,539 |
| Retained earnings to average equity (ytd only) | 8.4416% | 1,445 |
| Net charge-offs to loans | -0.0094% | 3,559 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0239% | 3,025 |
| Assets per employee ($millions) | 7.1995% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 733 |
| Loan loss allowance to noncurrent loans | 1,350.2041% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 3,269 |
| Noncurrent loans to loans | 0.1412% | 3,103 |
| Net loans and leases to total assets | 56.2785% | 2,506 |
| Net loans and leases to deposits | 64.4534% | 2,486 |
| Net loans and leases to core deposits | 67.1032% | 2,527 |
| Total domestic deposits to total assets | 87.3166% | 2,809 |
| Equity capital to assets | 12.1162% | 921 |
| Core capital (leverage) ratio | 13.5059% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,838,000 | 2,478 |
| Average earning assets | $289,018,500 | 2,448 |
| Average equity | $38,713,000 | 2,101 |
| Average total loans | $170,814,500 | 2,451 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4887% | 2,689 |
| Cost of funding earning assets | 0.4102% | 1,468 |
| Net interest margin | 3.0785% | 2,968 |
| Noninterest income to average assets | 0.6185% | 2,082 |
| Noninterest expense to average assets | 2.0710% | 3,470 |
| Loan and lease loss provision to assets | 0.1029% | 1,221 |
| Net operating income to assets | 1.1835% | 1,977 |
| Return on assets (ROA) | 1.1835% | 2,046 |
| Pretax return on assets | 1.3928% | 2,079 |
| Return on Equity (ROE) | 8.4962% | 3,079 |
| Retained earnings to average equity (ytd only) | 4.9254% | 2,810 |
| Net charge-offs to loans | -0.0019% | 3,351 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0648% | 3,437 |
| Assets per employee ($millions) | 6.9840% | 1,937 |
| Cash dividends to net income (ytd only)* | 42.0290% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9650% | 642 |
| Loan loss allowance to noncurrent loans | 1,131.5068% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 3,271 |
| Noncurrent loans to loans | 0.1737% | 3,084 |
| Net loans and leases to total assets | 53.6427% | 2,893 |
| Net loans and leases to deposits | 62.1729% | 2,864 |
| Net loans and leases to core deposits | 64.8721% | 2,912 |
| Total domestic deposits to total assets | 86.2800% | 2,812 |
| Equity capital to assets | 13.2735% | 827 |
| Core capital (leverage) ratio | 13.1141% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,508,600 | 2,475 |
| Average earning assets | $279,157,800 | 2,443 |
| Average equity | $40,606,200 | 2,067 |
| Average total loans | $160,555,800 | 2,537 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7075% | 2,256 |
| Cost of funding earning assets | 0.4163% | 1,573 |
| Net interest margin | 3.2913% | 2,440 |
| Noninterest income to average assets | 0.6579% | 1,984 |
| Noninterest expense to average assets | 2.2390% | 2,931 |
| Loan and lease loss provision to assets | 0.1043% | 1,157 |
| Net operating income to assets | 1.1531% | 2,351 |
| Return on assets (ROA) | 1.1531% | 2,411 |
| Pretax return on assets | 1.4638% | 2,101 |
| Return on Equity (ROE) | 8.1752% | 3,353 |
| Retained earnings to average equity (ytd only) | 6.2029% | 2,742 |
| Net charge-offs to loans | -0.0092% | 3,646 |
| Credit loss provision to net charge-offs | -2,045.4545% | 3,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8114% | 3,153 |
| Assets per employee ($millions) | 6.4601% | 2,289 |
| Cash dividends to net income (ytd only)* | 24.1255% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9678% | 679 |
| Loan loss allowance to noncurrent loans | 624.7104% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 2,956 |
| Noncurrent loans to loans | 0.3150% | 2,654 |
| Net loans and leases to total assets | 54.2503% | 2,940 |
| Net loans and leases to deposits | 63.5420% | 2,899 |
| Net loans and leases to core deposits | 66.0844% | 2,945 |
| Total domestic deposits to total assets | 85.3771% | 2,996 |
| Equity capital to assets | 13.8633% | 766 |
| Core capital (leverage) ratio | 13.4124% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,561,750 | 2,515 |
| Average earning assets | $275,144,000 | 2,480 |
| Average equity | $40,560,500 | 2,095 |
| Average total loans | $158,658,250 | 2,594 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8018% | 2,061 |
| Cost of funding earning assets | 0.4241% | 1,707 |
| Net interest margin | 3.3777% | 2,212 |
| Noninterest income to average assets | 0.6907% | 1,847 |
| Noninterest expense to average assets | 2.1670% | 3,195 |
| Loan and lease loss provision to assets | 0.1055% | 1,189 |
| Net operating income to assets | 1.2984% | 1,876 |
| Return on assets (ROA) | 1.2984% | 1,947 |
| Pretax return on assets | 1.6500% | 1,615 |
| Return on Equity (ROE) | 9.1503% | 3,052 |
| Retained earnings to average equity (ytd only) | 6.1762% | 2,734 |
| Net charge-offs to loans | -0.0115% | 3,721 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2448% | 3,632 |
| Assets per employee ($millions) | 6.2532% | 2,386 |
| Cash dividends to net income (ytd only)* | 32.5027% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9745% | 640 |
| Loan loss allowance to noncurrent loans | 353.7514% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 2,398 |
| Noncurrent loans to loans | 0.5581% | 2,002 |
| Net loans and leases to total assets | 53.3632% | 3,211 |
| Net loans and leases to deposits | 62.4073% | 3,163 |
| Net loans and leases to core deposits | 65.5228% | 3,154 |
| Total domestic deposits to total assets | 85.5079% | 2,909 |
| Equity capital to assets | 13.8500% | 743 |
| Core capital (leverage) ratio | 13.2561% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,360,667 | 2,531 |
| Average earning assets | $272,078,333 | 2,494 |
| Average equity | $40,348,333 | 2,091 |
| Average total loans | $156,728,000 | 2,623 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3592% | 3,311 |
| Cost of funding earning assets | 0.4281% | 1,873 |
| Net interest margin | 2.9311% | 3,437 |
| Noninterest income to average assets | 0.8326% | 1,507 |
| Noninterest expense to average assets | 2.2104% | 3,074 |
| Loan and lease loss provision to assets | 0.1073% | 1,283 |
| Net operating income to assets | 1.0372% | 2,682 |
| Return on assets (ROA) | 1.0372% | 2,763 |
| Pretax return on assets | 1.3162% | 2,523 |
| Return on Equity (ROE) | 7.2193% | 3,548 |
| Retained earnings to average equity (ytd only) | 7.2193% | 2,501 |
| Net charge-offs to loans | -0.0026% | 3,187 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8268% | 2,934 |
| Assets per employee ($millions) | 6.1633% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9436% | 676 |
| Loan loss allowance to noncurrent loans | 383.5411% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 2,766 |
| Noncurrent loans to loans | 0.5068% | 2,338 |
| Net loans and leases to total assets | 53.5718% | 3,280 |
| Net loans and leases to deposits | 62.6447% | 3,259 |
| Net loans and leases to core deposits | 65.4591% | 3,281 |
| Total domestic deposits to total assets | 85.5169% | 2,919 |
| Equity capital to assets | 13.8693% | 694 |
| Core capital (leverage) ratio | 13.7777% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,591,500 | 2,545 |
| Average earning assets | $267,203,500 | 2,507 |
| Average equity | $40,170,000 | 2,080 |
| Average total loans | $155,095,500 | 2,644 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 3,586 |
| Cost of funding earning assets | 0.5949% | 2,353 |
| Net interest margin | 3.0981% | 3,630 |
| Noninterest income to average assets | 0.7469% | 1,701 |
| Noninterest expense to average assets | 2.2289% | 3,598 |
| Loan and lease loss provision to assets | 0.2984% | 1,261 |
| Net operating income to assets | 1.0195% | 2,220 |
| Return on assets (ROA) | 1.0195% | 2,359 |
| Pretax return on assets | 1.1911% | 2,355 |
| Return on Equity (ROE) | 6.7229% | 3,313 |
| Retained earnings to average equity (ytd only) | 4.2796% | 2,661 |
| Net charge-offs to loans | 0.0254% | 2,531 |
| Credit loss provision to net charge-offs | 2,067.5676% | 430 |
| Earnings coverage of net charge-offs (x) | 103.2162% | 770 |
| Efficiency ratio | 59.9434% | 3,466 |
| Assets per employee ($millions) | 5.7342% | 2,596 |
| Cash dividends to net income (ytd only)* | 36.3428% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9746% | 627 |
| Loan loss allowance to noncurrent loans | 1,067.6157% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 3,780 |
| Noncurrent loans to loans | 0.1850% | 3,552 |
| Net loans and leases to total assets | 55.2603% | 3,367 |
| Net loans and leases to deposits | 65.4167% | 3,327 |
| Net loans and leases to core deposits | 68.4643% | 3,378 |
| Total domestic deposits to total assets | 84.4743% | 2,952 |
| Equity capital to assets | 14.9027% | 589 |
| Core capital (leverage) ratio | 14.1500% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,401,400 | 2,535 |
| Average earning assets | $245,921,400 | 2,485 |
| Average equity | $38,882,200 | 2,062 |
| Average total loans | $145,647,400 | 2,699 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 3,488 |
| Cost of funding earning assets | 0.6407% | 2,376 |
| Net interest margin | 3.1855% | 3,528 |
| Noninterest income to average assets | 0.7148% | 1,750 |
| Noninterest expense to average assets | 2.3129% | 3,388 |
| Loan and lease loss provision to assets | 0.2975% | 1,355 |
| Net operating income to assets | 1.0024% | 2,332 |
| Return on assets (ROA) | 1.0024% | 2,462 |
| Pretax return on assets | 1.1630% | 2,515 |
| Return on Equity (ROE) | 6.5798% | 3,350 |
| Retained earnings to average equity (ytd only) | 3.9866% | 3,052 |
| Net charge-offs to loans | 0.0398% | 2,059 |
| Credit loss provision to net charge-offs | 1,313.9535% | 688 |
| Earnings coverage of net charge-offs (x) | 64.4884% | 1,051 |
| Efficiency ratio | 61.2926% | 3,179 |
| Assets per employee ($millions) | 5.6342% | 2,592 |
| Cash dividends to net income (ytd only)* | 39.4115% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8376% | 670 |
| Loan loss allowance to noncurrent loans | 904.2071% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 3,860 |
| Noncurrent loans to loans | 0.2032% | 3,573 |
| Net loans and leases to total assets | 55.1878% | 3,692 |
| Net loans and leases to deposits | 65.2950% | 3,674 |
| Net loans and leases to core deposits | 68.8013% | 3,711 |
| Total domestic deposits to total assets | 84.5208% | 2,622 |
| Equity capital to assets | 14.7134% | 696 |
| Core capital (leverage) ratio | 13.9338% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,124,750 | 2,544 |
| Average earning assets | $243,056,250 | 2,494 |
| Average equity | $38,561,750 | 2,063 |
| Average total loans | $144,076,500 | 2,713 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 3,598 |
| Cost of funding earning assets | 0.7061% | 2,344 |
| Net interest margin | 3.1996% | 3,671 |
| Noninterest income to average assets | 0.6679% | 1,870 |
| Noninterest expense to average assets | 2.3578% | 3,377 |
| Loan and lease loss provision to assets | 0.1738% | 2,270 |
| Net operating income to assets | 1.0455% | 2,166 |
| Return on assets (ROA) | 1.0455% | 2,298 |
| Pretax return on assets | 1.2250% | 2,272 |
| Return on Equity (ROE) | 6.7782% | 3,217 |
| Retained earnings to average equity (ytd only) | 2.8465% | 3,447 |
| Net charge-offs to loans | 0.0806% | 1,442 |
| Credit loss provision to net charge-offs | 377.1930% | 1,452 |
| Earnings coverage of net charge-offs (x) | 30.3509% | 1,426 |
| Efficiency ratio | 62.7637% | 2,995 |
| Assets per employee ($millions) | 5.6528% | 2,489 |
| Cash dividends to net income (ytd only)* | 58.0046% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 931 |
| Loan loss allowance to noncurrent loans | 649.7326% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 3,828 |
| Noncurrent loans to loans | 0.2516% | 3,477 |
| Net loans and leases to total assets | 53.8827% | 3,883 |
| Net loans and leases to deposits | 63.5777% | 3,913 |
| Net loans and leases to core deposits | 66.9503% | 3,926 |
| Total domestic deposits to total assets | 84.7509% | 2,489 |
| Equity capital to assets | 14.4431% | 749 |
| Core capital (leverage) ratio | 13.4723% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,353,000 | 2,557 |
| Average earning assets | $238,778,333 | 2,498 |
| Average equity | $38,152,000 | 2,075 |
| Average total loans | $141,420,667 | 2,729 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 3,236 |
| Cost of funding earning assets | 0.8045% | 2,368 |
| Net interest margin | 3.3876% | 3,330 |
| Noninterest income to average assets | 0.6322% | 1,892 |
| Noninterest expense to average assets | 2.6172% | 2,930 |
| Loan and lease loss provision to assets | 0.0850% | 2,630 |
| Net operating income to assets | 0.9891% | 2,217 |
| Return on assets (ROA) | 0.9891% | 2,316 |
| Pretax return on assets | 1.1931% | 2,225 |
| Return on Equity (ROE) | 6.1860% | 3,243 |
| Retained earnings to average equity (ytd only) | 6.1860% | 1,805 |
| Net charge-offs to loans | -0.0087% | 4,028 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1902% | 2,792 |
| Assets per employee ($millions) | 4.9441% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 902 |
| Loan loss allowance to noncurrent loans | 616.7109% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 3,878 |
| Noncurrent loans to loans | 0.2729% | 3,520 |
| Net loans and leases to total assets | 56.0660% | 3,833 |
| Net loans and leases to deposits | 67.1137% | 3,786 |
| Net loans and leases to core deposits | 70.5516% | 3,847 |
| Total domestic deposits to total assets | 83.5388% | 2,935 |
| Equity capital to assets | 15.7186% | 630 |
| Core capital (leverage) ratio | 15.5805% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,362,500 | 2,594 |
| Average earning assets | $226,711,500 | 2,522 |
| Average equity | $37,633,500 | 2,085 |
| Average total loans | $137,815,000 | 2,744 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 3,684 |
| Cost of funding earning assets | 0.8502% | 2,433 |
| Net interest margin | 3.3987% | 3,747 |
| Noninterest income to average assets | 0.6832% | 1,874 |
| Noninterest expense to average assets | 2.5789% | 3,239 |
| Loan and lease loss provision to assets | 0.0276% | 3,463 |
| Net operating income to assets | 1.1373% | 2,298 |
| Return on assets (ROA) | 1.1416% | 2,384 |
| Pretax return on assets | 1.3489% | 2,331 |
| Return on Equity (ROE) | 6.8952% | 3,586 |
| Retained earnings to average equity (ytd only) | 3.4170% | 3,302 |
| Net charge-offs to loans | -0.0099% | 4,467 |
| Credit loss provision to net charge-offs | -500.0000% | 4,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2828% | 2,879 |
| Assets per employee ($millions) | 4.6625% | 3,003 |
| Cash dividends to net income (ytd only)* | 50.4439% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 878 |
| Loan loss allowance to noncurrent loans | 696.9325% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 3,924 |
| Noncurrent loans to loans | 0.2371% | 3,598 |
| Net loans and leases to total assets | 59.1809% | 3,655 |
| Net loans and leases to deposits | 71.2925% | 3,566 |
| Net loans and leases to core deposits | 74.8795% | 3,652 |
| Total domestic deposits to total assets | 83.0113% | 3,187 |
| Equity capital to assets | 16.2770% | 558 |
| Core capital (leverage) ratio | 15.6370% | 570 |
| Tier 1 risk-based capital ratio | 24.6916% | 772 |
| Total risk-based capital ratio | 25.9450% | 753 |
| Memoranda: | ||
| Average total assets | $217,065,800 | 2,690 |
| Average earning assets | $208,667,800 | 2,618 |
| Average equity | $35,938,000 | 2,100 |
| Average total loans | $120,897,400 | 2,933 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 3,868 |
| Cost of funding earning assets | 0.8415% | 2,505 |
| Net interest margin | 3.3841% | 3,900 |
| Noninterest income to average assets | 0.6741% | 1,896 |
| Noninterest expense to average assets | 2.5774% | 3,224 |
| Loan and lease loss provision to assets | 0.0373% | 3,151 |
| Net operating income to assets | 1.1015% | 2,559 |
| Return on assets (ROA) | 1.1073% | 2,633 |
| Pretax return on assets | 1.3127% | 2,622 |
| Return on Equity (ROE) | 6.6579% | 3,822 |
| Retained earnings to average equity (ytd only) | 4.7867% | 3,001 |
| Net charge-offs to loans | -0.0114% | 4,417 |
| Credit loss provision to net charge-offs | -600.0000% | 4,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7406% | 2,762 |
| Assets per employee ($millions) | 4.6334% | 3,000 |
| Cash dividends to net income (ytd only)* | 28.1057% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 735 |
| Loan loss allowance to noncurrent loans | 245.9372% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 2,882 |
| Noncurrent loans to loans | 0.7150% | 2,176 |
| Net loans and leases to total assets | 55.8555% | 4,058 |
| Net loans and leases to deposits | 67.3025% | 3,967 |
| Net loans and leases to core deposits | 70.3780% | 4,040 |
| Total domestic deposits to total assets | 82.9917% | 3,175 |
| Equity capital to assets | 16.4498% | 564 |
| Core capital (leverage) ratio | 16.5456% | 497 |
| Tier 1 risk-based capital ratio | 26.8825% | 652 |
| Total risk-based capital ratio | 28.1373% | 635 |
| Memoranda: | ||
| Average total assets | $214,216,250 | 2,736 |
| Average earning assets | $205,502,500 | 2,669 |
| Average equity | $35,625,750 | 2,123 |
| Average total loans | $116,752,000 | 3,005 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 3,703 |
| Cost of funding earning assets | 0.8323% | 2,494 |
| Net interest margin | 3.4455% | 3,752 |
| Noninterest income to average assets | 0.6640% | 1,858 |
| Noninterest expense to average assets | 2.6807% | 2,972 |
| Loan and lease loss provision to assets | 0.0572% | 2,683 |
| Net operating income to assets | 1.0419% | 2,762 |
| Return on assets (ROA) | 1.0508% | 2,789 |
| Pretax return on assets | 1.2413% | 2,782 |
| Return on Equity (ROE) | 6.2935% | 3,954 |
| Retained earnings to average equity (ytd only) | 3.4406% | 3,518 |
| Net charge-offs to loans | 0.0302% | 2,247 |
| Credit loss provision to net charge-offs | 352.9412% | 800 |
| Earnings coverage of net charge-offs (x) | 79.5294% | 820 |
| Efficiency ratio | 67.5468% | 2,605 |
| Assets per employee ($millions) | 4.3609% | 3,345 |
| Cash dividends to net income (ytd only)* | 45.3309% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 489 |
| Loan loss allowance to noncurrent loans | 170.7540% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 2,188 |
| Noncurrent loans to loans | 1.1645% | 1,391 |
| Net loans and leases to total assets | 51.7151% | 4,369 |
| Net loans and leases to deposits | 62.6571% | 4,297 |
| Net loans and leases to core deposits | 64.3088% | 4,401 |
| Total domestic deposits to total assets | 82.5368% | 3,361 |
| Equity capital to assets | 17.0153% | 462 |
| Core capital (leverage) ratio | 16.6758% | 465 |
| Tier 1 risk-based capital ratio | 28.7305% | 531 |
| Total risk-based capital ratio | 29.9866% | 522 |
| Memoranda: | ||
| Average total assets | $209,943,000 | 2,785 |
| Average earning assets | $201,361,330 | 2,720 |
| Average equity | $35,052,000 | 2,139 |
| Average total loans | $112,642,000 | 3,094 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 3,551 |
| Cost of funding earning assets | 0.8256% | 2,393 |
| Net interest margin | 3.4752% | 3,666 |
| Noninterest income to average assets | 0.6305% | 1,908 |
| Noninterest expense to average assets | 2.6894% | 2,941 |
| Loan and lease loss provision to assets | 0.0577% | 2,507 |
| Net operating income to assets | 1.0170% | 2,783 |
| Return on assets (ROA) | 1.0170% | 2,825 |
| Pretax return on assets | 1.2092% | 2,771 |
| Return on Equity (ROE) | 6.1514% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.1514% | 2,386 |
| Net charge-offs to loans | 0.0036% | 2,602 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 659.0000% | 100 |
| Efficiency ratio | 67.9786% | 2,645 |
| Assets per employee ($millions) | 4.4671% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9850% | 516 |
| Loan loss allowance to noncurrent loans | 167.5940% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.6335% | 2,189 |
| Noncurrent loans to loans | 1.1844% | 1,401 |
| Net loans and leases to total assets | 52.4234% | 4,313 |
| Net loans and leases to deposits | 63.3240% | 4,232 |
| Net loans and leases to core deposits | 64.8771% | 4,335 |
| Total domestic deposits to total assets | 82.7861% | 3,470 |
| Equity capital to assets | 16.8262% | 467 |
| Core capital (leverage) ratio | 16.9516% | 426 |
| Tier 1 risk-based capital ratio | 29.7551% | 485 |
| Total risk-based capital ratio | 31.0119% | 476 |
| Memoranda: | ||
| Average total assets | $208,072,500 | 2,829 |
| Average earning assets | $199,126,000 | 2,775 |
| Average equity | $34,398,500 | 2,168 |
| Average total loans | $112,588,500 | 3,122 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1486% | 3,588 |
| Cost of funding earning assets | 0.6500% | 2,392 |
| Net interest margin | 3.4987% | 3,709 |
| Noninterest income to average assets | 0.7108% | 1,809 |
| Noninterest expense to average assets | 2.6746% | 3,112 |
| Loan and lease loss provision to assets | 0.1244% | 1,773 |
| Net operating income to assets | 1.0928% | 2,634 |
| Return on assets (ROA) | 1.1028% | 2,582 |
| Pretax return on assets | 1.2649% | 2,632 |
| Return on Equity (ROE) | 6.9897% | 3,823 |
| Retained earnings to average equity (ytd only) | 4.7828% | 2,900 |
| Net charge-offs to loans | -0.0090% | 4,463 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9998% | 2,874 |
| Assets per employee ($millions) | 4.3871% | 3,326 |
| Cash dividends to net income (ytd only)* | 31.5742% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9489% | 524 |
| Loan loss allowance to noncurrent loans | 168.0672% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.6348% | 2,137 |
| Noncurrent loans to loans | 1.1596% | 1,388 |
| Net loans and leases to total assets | 53.6798% | 4,306 |
| Net loans and leases to deposits | 64.3628% | 4,233 |
| Net loans and leases to core deposits | 66.0768% | 4,350 |
| Total domestic deposits to total assets | 83.4020% | 3,191 |
| Equity capital to assets | 16.2324% | 499 |
| Core capital (leverage) ratio | 17.2225% | 391 |
| Tier 1 risk-based capital ratio | 30.1013% | 472 |
| Total risk-based capital ratio | 31.3594% | 463 |
| Memoranda: | ||
| Average total assets | $201,036,400 | 2,858 |
| Average earning assets | $192,014,400 | 2,804 |
| Average equity | $31,718,000 | 2,237 |
| Average total loans | $110,646,200 | 3,116 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 3,351 |
| Cost of funding earning assets | 0.6064% | 2,425 |
| Net interest margin | 3.5845% | 3,418 |
| Noninterest income to average assets | 0.6982% | 1,870 |
| Noninterest expense to average assets | 2.8635% | 2,420 |
| Loan and lease loss provision to assets | 0.0601% | 2,778 |
| Net operating income to assets | 1.0341% | 2,947 |
| Return on assets (ROA) | 1.0393% | 2,933 |
| Pretax return on assets | 1.1975% | 2,993 |
| Return on Equity (ROE) | 6.6367% | 4,063 |
| Retained earnings to average equity (ytd only) | 3.6529% | 3,940 |
| Net charge-offs to loans | -0.0412% | 4,864 |
| Credit loss provision to net charge-offs | -264.7059% | 4,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5864% | 2,257 |
| Assets per employee ($millions) | 4.2078% | 3,566 |
| Cash dividends to net income (ytd only)* | 44.9582% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8385% | 668 |
| Loan loss allowance to noncurrent loans | 155.8157% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6555% | 2,227 |
| Noncurrent loans to loans | 1.1800% | 1,433 |
| Net loans and leases to total assets | 54.5345% | 4,327 |
| Net loans and leases to deposits | 65.3331% | 4,252 |
| Net loans and leases to core deposits | 67.2071% | 4,339 |
| Total domestic deposits to total assets | 83.4716% | 3,132 |
| Equity capital to assets | 15.1862% | 678 |
| Core capital (leverage) ratio | 17.1952% | 397 |
| Tier 1 risk-based capital ratio | 28.3801% | 548 |
| Total risk-based capital ratio | 29.6360% | 538 |
| Memoranda: | ||
| Average total assets | $199,747,250 | 2,887 |
| Average earning assets | $190,408,500 | 2,839 |
| Average equity | $31,280,000 | 2,267 |
| Average total loans | $110,086,750 | 3,154 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1180% | 3,386 |
| Cost of funding earning assets | 0.5257% | 2,795 |
| Net interest margin | 3.5924% | 3,352 |
| Noninterest income to average assets | 0.6784% | 1,965 |
| Noninterest expense to average assets | 2.8220% | 2,594 |
| Loan and lease loss provision to assets | 0.0603% | 2,696 |
| Net operating income to assets | 1.0109% | 2,970 |
| Return on assets (ROA) | 0.9909% | 3,066 |
| Pretax return on assets | 1.1990% | 2,949 |
| Return on Equity (ROE) | 6.2638% | 4,147 |
| Retained earnings to average equity (ytd only) | 1.8169% | 4,515 |
| Net charge-offs to loans | -0.0549% | 4,950 |
| Credit loss provision to net charge-offs | -200.0000% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7393% | 2,522 |
| Assets per employee ($millions) | 4.4738% | 3,163 |
| Cash dividends to net income (ytd only)* | 70.9939% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8374% | 703 |
| Loan loss allowance to noncurrent loans | 171.5131% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 2,414 |
| Noncurrent loans to loans | 1.0713% | 1,648 |
| Net loans and leases to total assets | 55.0666% | 4,239 |
| Net loans and leases to deposits | 67.0693% | 4,096 |
| Net loans and leases to core deposits | 69.0763% | 4,200 |
| Total domestic deposits to total assets | 82.1040% | 3,685 |
| Equity capital to assets | 15.7080% | 551 |
| Core capital (leverage) ratio | 17.0111% | 394 |
| Tier 1 risk-based capital ratio | 29.6493% | 487 |
| Total risk-based capital ratio | 30.9054% | 482 |
| Memoranda: | ||
| Average total assets | $199,005,330 | 2,908 |
| Average earning assets | $189,847,330 | 2,855 |
| Average equity | $31,482,670 | 2,259 |
| Average total loans | $109,379,670 | 3,181 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 3,774 |
| Cost of funding earning assets | 0.4788% | 2,977 |
| Net interest margin | 3.4773% | 3,615 |
| Noninterest income to average assets | 0.6617% | 1,992 |
| Noninterest expense to average assets | 2.8228% | 2,626 |
| Loan and lease loss provision to assets | 0.0600% | 2,568 |
| Net operating income to assets | 0.9494% | 3,078 |
| Return on assets (ROA) | 0.9076% | 3,268 |
| Pretax return on assets | 1.0416% | 3,390 |
| Return on Equity (ROE) | 5.7173% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.7173% | 2,846 |
| Net charge-offs to loans | -0.0037% | 3,916 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0619% | 2,322 |
| Assets per employee ($millions) | 4.5599% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8161% | 762 |
| Loan loss allowance to noncurrent loans | 177.7978% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 2,681 |
| Noncurrent loans to loans | 1.0215% | 1,792 |
| Net loans and leases to total assets | 53.0832% | 4,361 |
| Net loans and leases to deposits | 65.5411% | 4,118 |
| Net loans and leases to core deposits | 67.4851% | 4,241 |
| Total domestic deposits to total assets | 80.9923% | 4,209 |
| Equity capital to assets | 15.5911% | 554 |
| Core capital (leverage) ratio | 16.9512% | 389 |
| Tier 1 risk-based capital ratio | 29.3536% | 497 |
| Total risk-based capital ratio | 30.6094% | 491 |
| Memoranda: | ||
| Average total assets | $200,083,500 | 2,931 |
| Average earning assets | $190,493,500 | 2,875 |
| Average equity | $31,763,500 | 2,256 |
| Average total loans | $108,856,000 | 3,213 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 4,108 |
| Cost of funding earning assets | 0.4274% | 2,979 |
| Net interest margin | 3.3529% | 4,002 |
| Noninterest income to average assets | 0.7095% | 1,919 |
| Noninterest expense to average assets | 2.7103% | 3,094 |
| Loan and lease loss provision to assets | 0.0692% | 2,817 |
| Net operating income to assets | 1.0128% | 2,183 |
| Return on assets (ROA) | 1.0194% | 2,195 |
| Pretax return on assets | 1.1490% | 2,986 |
| Return on Equity (ROE) | 6.3671% | 3,594 |
| Retained earnings to average equity (ytd only) | 0.8090% | 4,708 |
| Net charge-offs to loans | 0.0077% | 3,806 |
| Credit loss provision to net charge-offs | 1,750.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 306.1250% | 281 |
| Efficiency ratio | 69.1212% | 2,675 |
| Assets per employee ($millions) | 4.5348% | 3,136 |
| Cash dividends to net income (ytd only)* | 87.2939% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7750% | 816 |
| Loan loss allowance to noncurrent loans | 153.1596% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6345% | 2,427 |
| Noncurrent loans to loans | 1.1589% | 1,531 |
| Net loans and leases to total assets | 53.7756% | 4,384 |
| Net loans and leases to deposits | 66.8315% | 4,122 |
| Net loans and leases to core deposits | 68.9562% | 4,237 |
| Total domestic deposits to total assets | 80.4644% | 4,257 |
| Equity capital to assets | 16.1607% | 492 |
| Core capital (leverage) ratio | 16.6675% | 394 |
| Tier 1 risk-based capital ratio | 28.3906% | 523 |
| Total risk-based capital ratio | 29.6451% | 516 |
| Memoranda: | ||
| Average total assets | $202,268,000 | 2,907 |
| Average earning assets | $193,744,600 | 2,825 |
| Average equity | $32,385,000 | 2,199 |
| Average total loans | $104,548,800 | 3,271 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7989% | 4,019 |
| Cost of funding earning assets | 0.4188% | 2,996 |
| Net interest margin | 3.3801% | 3,918 |
| Noninterest income to average assets | 0.7043% | 1,981 |
| Noninterest expense to average assets | 2.8459% | 2,575 |
| Loan and lease loss provision to assets | 0.0723% | 2,629 |
| Net operating income to assets | 0.8778% | 3,141 |
| Return on assets (ROA) | 0.8862% | 3,144 |
| Pretax return on assets | 1.0354% | 3,544 |
| Return on Equity (ROE) | 5.5479% | 4,299 |
| Retained earnings to average equity (ytd only) | 4.1085% | 3,469 |
| Net charge-offs to loans | 0.0103% | 3,360 |
| Credit loss provision to net charge-offs | 1,375.0000% | 272 |
| Earnings coverage of net charge-offs (x) | 208.8041% | 410 |
| Efficiency ratio | 72.1639% | 2,185 |
| Assets per employee ($millions) | 4.2010% | 3,639 |
| Cash dividends to net income (ytd only)* | 25.9454% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8263% | 811 |
| Loan loss allowance to noncurrent loans | 148.5603% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 2,545 |
| Noncurrent loans to loans | 1.2293% | 1,546 |
| Net loans and leases to total assets | 51.9739% | 4,567 |
| Net loans and leases to deposits | 65.5068% | 4,285 |
| Net loans and leases to core deposits | 66.4601% | 4,455 |
| Total domestic deposits to total assets | 79.3413% | 4,475 |
| Equity capital to assets | 16.9813% | 431 |
| Core capital (leverage) ratio | 16.3904% | 446 |
| Tier 1 risk-based capital ratio | 29.2025% | 509 |
| Total risk-based capital ratio | 30.4582% | 503 |
| Memoranda: | ||
| Average total assets | $202,951,750 | 2,922 |
| Average earning assets | $194,508,000 | 2,843 |
| Average equity | $32,419,750 | 2,213 |
| Average total loans | $103,376,250 | 3,325 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 4,126 |
| Cost of funding earning assets | 0.4066% | 3,008 |
| Net interest margin | 3.3255% | 4,031 |
| Noninterest income to average assets | 0.6905% | 2,031 |
| Noninterest expense to average assets | 2.7951% | 2,781 |
| Loan and lease loss provision to assets | 0.0684% | 2,601 |
| Net operating income to assets | 0.8703% | 3,071 |
| Return on assets (ROA) | 0.8829% | 3,064 |
| Pretax return on assets | 1.0284% | 3,453 |
| Return on Equity (ROE) | 5.6412% | 4,207 |
| Retained earnings to average equity (ytd only) | 3.4571% | 3,651 |
| Net charge-offs to loans | 0.0699% | 1,938 |
| Credit loss provision to net charge-offs | 194.4444% | 1,304 |
| Earnings coverage of net charge-offs (x) | 30.7778% | 1,441 |
| Efficiency ratio | 72.0907% | 2,323 |
| Assets per employee ($millions) | 4.3201% | 3,397 |
| Cash dividends to net income (ytd only)* | 38.7168% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7690% | 946 |
| Loan loss allowance to noncurrent loans | 207.1991% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 3,362 |
| Noncurrent loans to loans | 0.8538% | 2,277 |
| Net loans and leases to total assets | 50.3748% | 4,683 |
| Net loans and leases to deposits | 64.8173% | 4,316 |
| Net loans and leases to core deposits | 65.7523% | 4,485 |
| Total domestic deposits to total assets | 77.7181% | 4,861 |
| Equity capital to assets | 16.3029% | 498 |
| Core capital (leverage) ratio | 15.0929% | 607 |
| Tier 1 risk-based capital ratio | 27.1533% | 602 |
| Total risk-based capital ratio | 28.4082% | 589 |
| Memoranda: | ||
| Average total assets | $204,786,670 | 2,909 |
| Average earning assets | $196,242,330 | 2,846 |
| Average equity | $32,050,000 | 2,226 |
| Average total loans | $102,991,670 | 3,340 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 3,913 |
| Cost of funding earning assets | 0.3889% | 3,108 |
| Net interest margin | 3.3673% | 3,776 |
| Noninterest income to average assets | 0.6769% | 2,054 |
| Noninterest expense to average assets | 2.7891% | 2,830 |
| Loan and lease loss provision to assets | 0.0194% | 3,322 |
| Net operating income to assets | 0.9200% | 2,667 |
| Return on assets (ROA) | 0.9200% | 2,721 |
| Pretax return on assets | 1.0853% | 3,042 |
| Return on Equity (ROE) | 6.0018% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.0018% | 2,336 |
| Net charge-offs to loans | 0.0195% | 2,398 |
| Credit loss provision to net charge-offs | 200.0000% | 1,014 |
| Earnings coverage of net charge-offs (x) | 113.6000% | 479 |
| Efficiency ratio | 71.6284% | 2,643 |
| Assets per employee ($millions) | 4.4210% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 1,012 |
| Loan loss allowance to noncurrent loans | 125.7460% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 2,557 |
| Noncurrent loans to loans | 1.4099% | 1,436 |
| Net loans and leases to total assets | 48.3158% | 4,798 |
| Net loans and leases to deposits | 60.2253% | 4,550 |
| Net loans and leases to core deposits | 61.1728% | 4,711 |
| Total domestic deposits to total assets | 80.2251% | 4,578 |
| Equity capital to assets | 15.4426% | 571 |
| Core capital (leverage) ratio | 14.7356% | 658 |
| Tier 1 risk-based capital ratio | 27.0218% | 624 |
| Total risk-based capital ratio | 28.2758% | 612 |
| Memoranda: | ||
| Average total assets | $205,658,000 | 2,930 |
| Average earning assets | $196,476,500 | 2,866 |
| Average equity | $31,524,000 | 2,257 |
| Average total loans | $102,425,000 | 3,376 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5940% | 4,524 |
| Cost of funding earning assets | 0.3254% | 3,795 |
| Net interest margin | 3.2686% | 4,232 |
| Noninterest income to average assets | 0.6556% | 2,393 |
| Noninterest expense to average assets | 2.5893% | 3,706 |
| Loan and lease loss provision to assets | 0.2010% | 1,151 |
| Net operating income to assets | 0.8701% | 2,977 |
| Return on assets (ROA) | 0.9092% | 2,889 |
| Pretax return on assets | 1.0494% | 3,298 |
| Return on Equity (ROE) | 5.8173% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.6741% | 3,299 |
| Net charge-offs to loans | 0.1887% | 1,471 |
| Credit loss provision to net charge-offs | 219.8953% | 1,301 |
| Earnings coverage of net charge-offs (x) | 13.1885% | 2,388 |
| Efficiency ratio | 68.2346% | 3,199 |
| Assets per employee ($millions) | 4.3304% | 3,394 |
| Cash dividends to net income (ytd only)* | 36.8421% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 1,018 |
| Loan loss allowance to noncurrent loans | 439.6594% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 4,446 |
| Noncurrent loans to loans | 0.4004% | 3,713 |
| Net loans and leases to total assets | 49.5443% | 4,798 |
| Net loans and leases to deposits | 59.0734% | 4,732 |
| Net loans and leases to core deposits | 60.1137% | 4,856 |
| Total domestic deposits to total assets | 83.8690% | 3,472 |
| Equity capital to assets | 15.2117% | 609 |
| Core capital (leverage) ratio | 13.8267% | 863 |
| Tier 1 risk-based capital ratio | 26.2337% | 683 |
| Total risk-based capital ratio | 27.4879% | 657 |
| Memoranda: | ||
| Average total assets | $208,974,000 | 2,863 |
| Average earning assets | $200,696,000 | 2,781 |
| Average equity | $32,661,000 | 2,196 |
| Average total loans | $101,232,800 | 3,363 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6425% | 4,432 |
| Cost of funding earning assets | 0.3162% | 3,914 |
| Net interest margin | 3.3263% | 4,109 |
| Noninterest income to average assets | 0.6402% | 2,477 |
| Noninterest expense to average assets | 2.7023% | 3,341 |
| Loan and lease loss provision to assets | 0.1521% | 1,538 |
| Net operating income to assets | 0.8810% | 3,006 |
| Return on assets (ROA) | 0.9318% | 2,868 |
| Pretax return on assets | 1.0364% | 3,490 |
| Return on Equity (ROE) | 5.9238% | 4,102 |
| Retained earnings to average equity (ytd only) | 3.9089% | 3,520 |
| Net charge-offs to loans | 0.0383% | 2,864 |
| Credit loss provision to net charge-offs | 827.5862% | 486 |
| Earnings coverage of net charge-offs (x) | 61.5793% | 936 |
| Efficiency ratio | 70.4745% | 2,825 |
| Assets per employee ($millions) | 4.6311% | 2,868 |
| Cash dividends to net income (ytd only)* | 34.0136% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 1,079 |
| Loan loss allowance to noncurrent loans | 159.1111% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 3,304 |
| Noncurrent loans to loans | 1.1082% | 2,034 |
| Net loans and leases to total assets | 47.8525% | 4,968 |
| Net loans and leases to deposits | 57.7825% | 4,890 |
| Net loans and leases to core deposits | 59.0316% | 4,995 |
| Total domestic deposits to total assets | 82.8149% | 3,661 |
| Equity capital to assets | 16.1112% | 540 |
| Core capital (leverage) ratio | 15.7073% | 529 |
| Tier 1 risk-based capital ratio | 28.9714% | 527 |
| Total risk-based capital ratio | 30.2254% | 519 |
| Memoranda: | ||
| Average total assets | $210,335,750 | 2,863 |
| Average earning assets | $201,981,500 | 2,780 |
| Average equity | $33,086,250 | 2,187 |
| Average total loans | $100,880,250 | 3,377 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6426% | 4,470 |
| Cost of funding earning assets | 0.3150% | 3,962 |
| Net interest margin | 3.3276% | 4,129 |
| Noninterest income to average assets | 0.6294% | 2,464 |
| Noninterest expense to average assets | 2.6353% | 3,590 |
| Loan and lease loss provision to assets | 0.1422% | 1,598 |
| Net operating income to assets | 0.9182% | 2,778 |
| Return on assets (ROA) | 0.9499% | 2,767 |
| Pretax return on assets | 1.0826% | 3,271 |
| Return on Equity (ROE) | 6.0869% | 4,008 |
| Retained earnings to average equity (ytd only) | 3.0495% | 3,973 |
| Net charge-offs to loans | 0.0596% | 2,337 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 41.8000% | 1,124 |
| Efficiency ratio | 68.9142% | 3,170 |
| Assets per employee ($millions) | 4.7188% | 2,677 |
| Cash dividends to net income (ytd only)* | 49.9002% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6539% | 1,393 |
| Loan loss allowance to noncurrent loans | 152.4237% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 3,458 |
| Noncurrent loans to loans | 1.0851% | 2,119 |
| Net loans and leases to total assets | 47.5484% | 5,028 |
| Net loans and leases to deposits | 57.4966% | 4,930 |
| Net loans and leases to core deposits | 58.8022% | 5,036 |
| Total domestic deposits to total assets | 82.6977% | 3,764 |
| Equity capital to assets | 15.9870% | 549 |
| Core capital (leverage) ratio | 14.5237% | 706 |
| Tier 1 risk-based capital ratio | 26.8574% | 664 |
| Total risk-based capital ratio | 28.1096% | 643 |
| Memoranda: | ||
| Average total assets | $210,980,670 | 2,877 |
| Average earning assets | $202,548,000 | 2,785 |
| Average equity | $32,923,000 | 2,201 |
| Average total loans | $100,668,670 | 3,396 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6601% | 4,452 |
| Cost of funding earning assets | 0.3141% | 4,012 |
| Net interest margin | 3.3460% | 4,061 |
| Noninterest income to average assets | 0.6125% | 2,458 |
| Noninterest expense to average assets | 2.5374% | 3,955 |
| Loan and lease loss provision to assets | 0.0571% | 2,804 |
| Net operating income to assets | 0.9529% | 2,499 |
| Return on assets (ROA) | 0.9529% | 2,616 |
| Pretax return on assets | 1.2192% | 2,622 |
| Return on Equity (ROE) | 6.1832% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.1832% | 2,287 |
| Net charge-offs to loans | -0.0241% | 4,962 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5337% | 3,711 |
| Assets per employee ($millions) | 4.5581% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 1,559 |
| Loan loss allowance to noncurrent loans | 409.8985% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 4,818 |
| Noncurrent loans to loans | 0.3946% | 4,022 |
| Net loans and leases to total assets | 46.8565% | 5,056 |
| Net loans and leases to deposits | 56.2055% | 4,969 |
| Net loans and leases to core deposits | 57.3004% | 5,079 |
| Total domestic deposits to total assets | 83.3664% | 3,763 |
| Equity capital to assets | 15.6297% | 576 |
| Core capital (leverage) ratio | 14.8558% | 629 |
| Tier 1 risk-based capital ratio | 27.9277% | 613 |
| Total risk-based capital ratio | 29.1799% | 600 |
| Memoranda: | ||
| Average total assets | $210,297,000 | 2,892 |
| Average earning assets | $201,198,000 | 2,807 |
| Average equity | $32,410,500 | 2,226 |
| Average total loans | $99,670,000 | 3,428 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5354% | 4,833 |
| Cost of funding earning assets | 0.3203% | 4,027 |
| Net interest margin | 3.2151% | 4,575 |
| Noninterest income to average assets | 0.6264% | 2,583 |
| Noninterest expense to average assets | 2.5430% | 4,093 |
| Loan and lease loss provision to assets | 0.0331% | 3,702 |
| Net operating income to assets | 0.9213% | 2,753 |
| Return on assets (ROA) | 0.9209% | 2,842 |
| Pretax return on assets | 1.1292% | 2,926 |
| Return on Equity (ROE) | 6.1937% | 3,952 |
| Retained earnings to average equity (ytd only) | 2.5316% | 4,265 |
| Net charge-offs to loans | 0.3192% | 940 |
| Credit loss provision to net charge-offs | 21.3415% | 3,735 |
| Earnings coverage of net charge-offs (x) | 7.4878% | 3,078 |
| Efficiency ratio | 68.6214% | 3,460 |
| Assets per employee ($millions) | 4.6872% | 2,748 |
| Cash dividends to net income (ytd only)* | 59.1260% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 1,652 |
| Loan loss allowance to noncurrent loans | 140.2309% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 3,506 |
| Noncurrent loans to loans | 1.1319% | 2,075 |
| Net loans and leases to total assets | 46.4157% | 5,125 |
| Net loans and leases to deposits | 55.3463% | 5,084 |
| Net loans and leases to core deposits | 56.4102% | 5,178 |
| Total domestic deposits to total assets | 83.8642% | 3,541 |
| Equity capital to assets | 15.1952% | 641 |
| Core capital (leverage) ratio | 14.3493% | 744 |
| Tier 1 risk-based capital ratio | 27.2041% | 649 |
| Total risk-based capital ratio | 28.4560% | 634 |
| Memoranda: | ||
| Average total assets | $211,206,800 | 2,835 |
| Average earning assets | $202,296,600 | 2,758 |
| Average equity | $31,403,000 | 2,228 |
| Average total loans | $102,766,000 | 3,338 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5438% | 4,880 |
| Cost of funding earning assets | 0.3224% | 4,076 |
| Net interest margin | 3.2214% | 4,606 |
| Noninterest income to average assets | 0.6203% | 2,633 |
| Noninterest expense to average assets | 2.5691% | 3,982 |
| Loan and lease loss provision to assets | 0.0442% | 3,331 |
| Net operating income to assets | 0.8821% | 3,028 |
| Return on assets (ROA) | 0.8816% | 3,116 |
| Pretax return on assets | 1.0898% | 3,268 |
| Return on Equity (ROE) | 5.9621% | 4,172 |
| Retained earnings to average equity (ytd only) | 2.5478% | 4,601 |
| Net charge-offs to loans | 0.2433% | 1,075 |
| Credit loss provision to net charge-offs | 37.0370% | 3,198 |
| Earnings coverage of net charge-offs (x) | 9.5134% | 2,686 |
| Efficiency ratio | 69.3645% | 3,317 |
| Assets per employee ($millions) | 4.7883% | 2,578 |
| Cash dividends to net income (ytd only)* | 57.2656% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 1,331 |
| Loan loss allowance to noncurrent loans | 118.3196% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6739% | 3,231 |
| Noncurrent loans to loans | 1.4918% | 1,682 |
| Net loans and leases to total assets | 44.3726% | 5,334 |
| Net loans and leases to deposits | 52.5560% | 5,338 |
| Net loans and leases to core deposits | 53.8544% | 5,412 |
| Total domestic deposits to total assets | 84.4291% | 3,250 |
| Equity capital to assets | 14.6478% | 823 |
| Core capital (leverage) ratio | 14.0465% | 848 |
| Tier 1 risk-based capital ratio | 27.5236% | 650 |
| Total risk-based capital ratio | 28.7778% | 630 |
| Memoranda: | ||
| Average total assets | $211,278,000 | 2,849 |
| Average earning assets | $202,226,250 | 2,777 |
| Average equity | $31,241,250 | 2,255 |
| Average total loans | $103,587,500 | 3,354 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 4,669 |
| Cost of funding earning assets | 0.3325% | 4,019 |
| Net interest margin | 3.2862% | 4,349 |
| Noninterest income to average assets | 0.6032% | 2,718 |
| Noninterest expense to average assets | 2.5586% | 4,047 |
| Loan and lease loss provision to assets | 0.0572% | 2,954 |
| Net operating income to assets | 0.8994% | 2,880 |
| Return on assets (ROA) | 0.8986% | 3,009 |
| Pretax return on assets | 1.1321% | 3,042 |
| Return on Equity (ROE) | 6.0576% | 4,101 |
| Retained earnings to average equity (ytd only) | 2.8457% | 4,224 |
| Net charge-offs to loans | 0.1930% | 1,302 |
| Credit loss provision to net charge-offs | 58.8235% | 2,602 |
| Earnings coverage of net charge-offs (x) | 12.2451% | 2,229 |
| Efficiency ratio | 68.2511% | 3,642 |
| Assets per employee ($millions) | 4.8537% | 2,467 |
| Cash dividends to net income (ytd only)* | 53.0223% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 1,276 |
| Loan loss allowance to noncurrent loans | 130.4506% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 3,531 |
| Noncurrent loans to loans | 1.4164% | 1,895 |
| Net loans and leases to total assets | 43.6571% | 5,398 |
| Net loans and leases to deposits | 51.3534% | 5,426 |
| Net loans and leases to core deposits | 52.5949% | 5,507 |
| Total domestic deposits to total assets | 85.0131% | 3,115 |
| Equity capital to assets | 14.1605% | 933 |
| Core capital (leverage) ratio | 13.8829% | 876 |
| Tier 1 risk-based capital ratio | 30.2644% | 530 |
| Total risk-based capital ratio | 31.5199% | 520 |
| Memoranda: | ||
| Average total assets | $209,879,670 | 2,889 |
| Average earning assets | $200,903,000 | 2,807 |
| Average equity | $31,134,330 | 2,275 |
| Average total loans | $105,673,670 | 3,334 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6951% | 4,377 |
| Cost of funding earning assets | 0.3476% | 3,887 |
| Net interest margin | 3.3475% | 4,031 |
| Noninterest income to average assets | 0.6050% | 2,620 |
| Noninterest expense to average assets | 2.5563% | 4,076 |
| Loan and lease loss provision to assets | 0.0584% | 2,766 |
| Net operating income to assets | 0.9314% | 2,602 |
| Return on assets (ROA) | 0.9299% | 2,734 |
| Pretax return on assets | 1.1925% | 2,699 |
| Return on Equity (ROE) | 6.1209% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.1209% | 2,420 |
| Net charge-offs to loans | 0.0364% | 2,484 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 64.4000% | 691 |
| Efficiency ratio | 67.1093% | 3,972 |
| Assets per employee ($millions) | 5.2075% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 1,714 |
| Loan loss allowance to noncurrent loans | 15.3935% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 5.2678% | 223 |
| Noncurrent loans to loans | 11.1035% | 44 |
| Net loans and leases to total assets | 46.6316% | 5,152 |
| Net loans and leases to deposits | 56.0239% | 5,049 |
| Net loans and leases to core deposits | 57.4756% | 5,158 |
| Total domestic deposits to total assets | 83.2351% | 4,106 |
| Equity capital to assets | 13.7945% | 1,058 |
| Core capital (leverage) ratio | 13.8604% | 866 |
| Tier 1 risk-based capital ratio | 26.9853% | 717 |
| Total risk-based capital ratio | 28.2401% | 700 |
| Memoranda: | ||
| Average total assets | $205,610,500 | 2,955 |
| Average earning assets | $196,803,000 | 2,877 |
| Average equity | $31,237,000 | 2,276 |
| Average total loans | $109,935,500 | 3,260 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3536% | 2,393 |
| Cost of funding earning assets | 0.4156% | 3,530 |
| Net interest margin | 3.9380% | 2,093 |
| Noninterest income to average assets | 0.7375% | 2,132 |
| Noninterest expense to average assets | 2.9028% | 3,144 |
| Loan and lease loss provision to assets | 0.0672% | 3,150 |
| Net operating income to assets | 1.1869% | 1,627 |
| Return on assets (ROA) | 1.1821% | 1,710 |
| Pretax return on assets | 1.5181% | 1,480 |
| Return on Equity (ROE) | 7.0726% | 3,587 |
| Retained earnings to average equity (ytd only) | 4.7274% | 2,811 |
| Net charge-offs to loans | 0.1159% | 2,874 |
| Credit loss provision to net charge-offs | 90.9091% | 2,628 |
| Earnings coverage of net charge-offs (x) | 21.5303% | 1,672 |
| Efficiency ratio | 64.5901% | 4,482 |
| Assets per employee ($millions) | 4.1385% | 3,651 |
| Cash dividends to net income (ytd only)* | 33.1596% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 1,921 |
| Loan loss allowance to noncurrent loans | 15.9130% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 6.3495% | 180 |
| Noncurrent loans to loans | 10.3844% | 66 |
| Net loans and leases to total assets | 60.0407% | 3,788 |
| Net loans and leases to deposits | 75.6520% | 3,239 |
| Net loans and leases to core deposits | 78.2583% | 3,490 |
| Total domestic deposits to total assets | 79.3644% | 5,173 |
| Equity capital to assets | 16.9512% | 423 |
| Core capital (leverage) ratio | 17.2293% | 350 |
| Tier 1 risk-based capital ratio | 28.3566% | 597 |
| Total risk-based capital ratio | 29.5754% | 584 |
| Memoranda: | ||
| Average total assets | $178,583,200 | 3,223 |
| Average earning assets | $170,365,200 | 3,149 |
| Average equity | $29,847,400 | 2,278 |
| Average total loans | $113,883,800 | 3,144 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 2,110 |
| Cost of funding earning assets | 0.4207% | 3,569 |
| Net interest margin | 4.0113% | 1,845 |
| Noninterest income to average assets | 0.7285% | 2,195 |
| Noninterest expense to average assets | 2.9254% | 3,039 |
| Loan and lease loss provision to assets | 0.0675% | 2,994 |
| Net operating income to assets | 1.2309% | 1,579 |
| Return on assets (ROA) | 1.2245% | 1,656 |
| Pretax return on assets | 1.5621% | 1,451 |
| Return on Equity (ROE) | 7.3530% | 3,523 |
| Retained earnings to average equity (ytd only) | 5.7761% | 2,549 |
| Net charge-offs to loans | 0.1559% | 2,247 |
| Credit loss provision to net charge-offs | 67.1642% | 2,815 |
| Earnings coverage of net charge-offs (x) | 16.2912% | 1,987 |
| Efficiency ratio | 64.1072% | 4,522 |
| Assets per employee ($millions) | 4.0975% | 3,674 |
| Cash dividends to net income (ytd only)* | 21.4463% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 2,320 |
| Loan loss allowance to noncurrent loans | 15.3591% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 6.6700% | 191 |
| Noncurrent loans to loans | 10.3836% | 71 |
| Net loans and leases to total assets | 63.2108% | 3,309 |
| Net loans and leases to deposits | 80.2000% | 2,660 |
| Net loans and leases to core deposits | 83.0782% | 2,990 |
| Total domestic deposits to total assets | 78.8164% | 5,367 |
| Equity capital to assets | 17.4962% | 372 |
| Core capital (leverage) ratio | 17.5369% | 321 |
| Tier 1 risk-based capital ratio | 28.1114% | 640 |
| Total risk-based capital ratio | 29.3646% | 621 |
| Memoranda: | ||
| Average total assets | $177,705,750 | 3,262 |
| Average earning assets | $169,882,250 | 3,189 |
| Average equity | $29,592,500 | 2,303 |
| Average total loans | $114,563,000 | 3,153 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 2,083 |
| Cost of funding earning assets | 0.4229% | 3,623 |
| Net interest margin | 4.0025% | 1,795 |
| Noninterest income to average assets | 0.6969% | 2,295 |
| Noninterest expense to average assets | 2.9202% | 3,099 |
| Loan and lease loss provision to assets | 0.0673% | 2,914 |
| Net operating income to assets | 1.1823% | 1,648 |
| Return on assets (ROA) | 1.1728% | 1,746 |
| Pretax return on assets | 1.5207% | 1,477 |
| Return on Equity (ROE) | 7.1622% | 3,540 |
| Retained earnings to average equity (ytd only) | 4.7634% | 3,109 |
| Net charge-offs to loans | 0.0643% | 3,072 |
| Credit loss provision to net charge-offs | 162.1622% | 1,384 |
| Earnings coverage of net charge-offs (x) | 38.5405% | 1,085 |
| Efficiency ratio | 64.5978% | 4,598 |
| Assets per employee ($millions) | 4.0313% | 3,771 |
| Cash dividends to net income (ytd only)* | 33.4928% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 2,313 |
| Loan loss allowance to noncurrent loans | 16.8618% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 6.4045% | 218 |
| Noncurrent loans to loans | 9.7461% | 83 |
| Net loans and leases to total assets | 64.6330% | 2,976 |
| Net loans and leases to deposits | 81.8665% | 2,269 |
| Net loans and leases to core deposits | 84.6569% | 2,666 |
| Total domestic deposits to total assets | 78.9493% | 5,468 |
| Equity capital to assets | 17.3299% | 382 |
| Core capital (leverage) ratio | 16.7463% | 386 |
| Tier 1 risk-based capital ratio | 27.2472% | 688 |
| Total risk-based capital ratio | 28.5025% | 674 |
| Memoranda: | ||
| Average total assets | $178,210,000 | 3,270 |
| Average earning assets | $170,244,000 | 3,200 |
| Average equity | $29,181,000 | 2,326 |
| Average total loans | $115,024,670 | 3,152 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 2,360 |
| Cost of funding earning assets | 0.4169% | 3,796 |
| Net interest margin | 3.9237% | 1,998 |
| Noninterest income to average assets | 0.6909% | 2,220 |
| Noninterest expense to average assets | 2.8565% | 3,350 |
| Loan and lease loss provision to assets | 0.0221% | 3,542 |
| Net operating income to assets | 1.2821% | 1,262 |
| Return on assets (ROA) | 1.2622% | 1,366 |
| Pretax return on assets | 1.5390% | 1,312 |
| Return on Equity (ROE) | 7.9302% | 2,962 |
| Retained earnings to average equity (ytd only) | 7.9302% | 1,621 |
| Net charge-offs to loans | 0.0138% | 3,323 |
| Credit loss provision to net charge-offs | 250.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 278 |
| Efficiency ratio | 64.3071% | 4,811 |
| Assets per employee ($millions) | 4.3841% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6155% | 2,628 |
| Loan loss allowance to noncurrent loans | 21.1952% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 4.7531% | 449 |
| Noncurrent loans to loans | 7.6221% | 186 |
| Net loans and leases to total assets | 61.3522% | 3,338 |
| Net loans and leases to deposits | 81.5920% | 2,087 |
| Net loans and leases to core deposits | 83.7322% | 2,550 |
| Total domestic deposits to total assets | 75.1939% | 6,142 |
| Equity capital to assets | 15.9967% | 528 |
| Core capital (leverage) ratio | 16.7333% | 391 |
| Tier 1 risk-based capital ratio | 26.3649% | 759 |
| Total risk-based capital ratio | 27.5811% | 746 |
| Memoranda: | ||
| Average total assets | $180,641,000 | 3,267 |
| Average earning assets | $172,694,000 | 3,183 |
| Average equity | $28,751,000 | 2,345 |
| Average total loans | $115,581,000 | 3,161 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2596% | 3,111 |
| Cost of funding earning assets | 0.4398% | 4,220 |
| Net interest margin | 3.8197% | 2,572 |
| Noninterest income to average assets | 0.7704% | 2,210 |
| Noninterest expense to average assets | 2.8533% | 3,519 |
| Loan and lease loss provision to assets | 0.0670% | 3,791 |
| Net operating income to assets | 1.2606% | 1,360 |
| Return on assets (ROA) | 1.2494% | 1,448 |
| Pretax return on assets | 1.4922% | 1,468 |
| Return on Equity (ROE) | 7.9199% | 3,067 |
| Retained earnings to average equity (ytd only) | 5.4427% | 2,321 |
| Net charge-offs to loans | 0.0142% | 5,167 |
| Credit loss provision to net charge-offs | 750.0000% | 328 |
| Earnings coverage of net charge-offs (x) | 176.0625% | 264 |
| Efficiency ratio | 64.4677% | 4,824 |
| Assets per employee ($millions) | 4.2179% | 3,414 |
| Cash dividends to net income (ytd only)* | 31.2779% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 2,797 |
| Loan loss allowance to noncurrent loans | 534.3931% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 5,716 |
| Noncurrent loans to loans | 0.2974% | 5,292 |
| Net loans and leases to total assets | 64.6283% | 2,936 |
| Net loans and leases to deposits | 86.0820% | 1,675 |
| Net loans and leases to core deposits | 88.0868% | 2,240 |
| Total domestic deposits to total assets | 75.0776% | 6,188 |
| Equity capital to assets | 15.8323% | 553 |
| Core capital (leverage) ratio | 16.6509% | 403 |
| Tier 1 risk-based capital ratio | 25.7846% | 791 |
| Total risk-based capital ratio | 27.0387% | 772 |
| Memoranda: | ||
| Average total assets | $179,127,600 | 3,280 |
| Average earning assets | $171,425,600 | 3,202 |
| Average equity | $28,258,000 | 2,362 |
| Average total loans | $112,993,800 | 3,189 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 3,069 |
| Cost of funding earning assets | 0.4413% | 4,371 |
| Net interest margin | 3.8412% | 2,501 |
| Noninterest income to average assets | 0.6888% | 2,672 |
| Noninterest expense to average assets | 2.8029% | 3,652 |
| Loan and lease loss provision to assets | 0.0668% | 3,718 |
| Net operating income to assets | 1.1974% | 1,647 |
| Return on assets (ROA) | 1.1921% | 1,737 |
| Pretax return on assets | 1.4890% | 1,645 |
| Return on Equity (ROE) | 7.5635% | 3,343 |
| Retained earnings to average equity (ytd only) | 5.9151% | 2,469 |
| Net charge-offs to loans | 0.0202% | 4,728 |
| Credit loss provision to net charge-offs | 529.4118% | 529 |
| Earnings coverage of net charge-offs (x) | 123.8024% | 423 |
| Efficiency ratio | 64.2068% | 4,766 |
| Assets per employee ($millions) | 4.1937% | 3,437 |
| Cash dividends to net income (ytd only)* | 21.7935% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6190% | 2,919 |
| Loan loss allowance to noncurrent loans | 363.6000% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 5,613 |
| Noncurrent loans to loans | 0.4453% | 5,087 |
| Net loans and leases to total assets | 61.2601% | 3,482 |
| Net loans and leases to deposits | 82.8883% | 2,014 |
| Net loans and leases to core deposits | 84.6560% | 2,580 |
| Total domestic deposits to total assets | 73.9069% | 6,379 |
| Equity capital to assets | 15.5353% | 624 |
| Core capital (leverage) ratio | 16.4470% | 436 |
| Tier 1 risk-based capital ratio | 26.9644% | 707 |
| Total risk-based capital ratio | 28.2217% | 692 |
| Memoranda: | ||
| Average total assets | $179,622,000 | 3,301 |
| Average earning assets | $171,922,250 | 3,219 |
| Average equity | $28,310,750 | 2,383 |
| Average total loans | $112,157,750 | 3,226 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 3,247 |
| Cost of funding earning assets | 0.4425% | 4,514 |
| Net interest margin | 3.7855% | 2,610 |
| Noninterest income to average assets | 0.7102% | 2,592 |
| Noninterest expense to average assets | 2.7873% | 3,716 |
| Loan and lease loss provision to assets | 0.0669% | 3,697 |
| Net operating income to assets | 1.1551% | 1,720 |
| Return on assets (ROA) | 1.1551% | 1,838 |
| Pretax return on assets | 1.4895% | 1,649 |
| Return on Equity (ROE) | 7.2934% | 3,449 |
| Retained earnings to average equity (ytd only) | 4.8294% | 3,165 |
| Net charge-offs to loans | 0.0268% | 4,322 |
| Credit loss provision to net charge-offs | 400.0000% | 655 |
| Earnings coverage of net charge-offs (x) | 93.0667% | 497 |
| Efficiency ratio | 64.1684% | 4,845 |
| Assets per employee ($millions) | 4.0601% | 3,665 |
| Cash dividends to net income (ytd only)* | 33.7838% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 3,320 |
| Loan loss allowance to noncurrent loans | 3,254.5455% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 6,435 |
| Noncurrent loans to loans | 0.0479% | 6,245 |
| Net loans and leases to total assets | 63.2592% | 3,054 |
| Net loans and leases to deposits | 82.4578% | 2,000 |
| Net loans and leases to core deposits | 84.1669% | 2,540 |
| Total domestic deposits to total assets | 76.7171% | 6,169 |
| Equity capital to assets | 15.0958% | 696 |
| Core capital (leverage) ratio | 15.5984% | 504 |
| Tier 1 risk-based capital ratio | 26.4386% | 733 |
| Total risk-based capital ratio | 27.6930% | 721 |
| Memoranda: | ||
| Average total assets | $179,385,670 | 3,320 |
| Average earning assets | $172,185,330 | 3,225 |
| Average equity | $28,409,330 | 2,394 |
| Average total loans | $112,114,000 | 3,225 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1079% | 3,690 |
| Cost of funding earning assets | 0.4441% | 4,658 |
| Net interest margin | 3.6638% | 3,013 |
| Noninterest income to average assets | 0.6921% | 2,635 |
| Noninterest expense to average assets | 2.6814% | 4,146 |
| Loan and lease loss provision to assets | 0.0668% | 3,521 |
| Net operating income to assets | 1.2239% | 1,458 |
| Return on assets (ROA) | 1.2239% | 1,570 |
| Pretax return on assets | 1.4687% | 1,654 |
| Return on Equity (ROE) | 7.5524% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.5524% | 1,919 |
| Net charge-offs to loans | -0.1264% | 6,536 |
| Credit loss provision to net charge-offs | -85.7143% | 5,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5884% | 5,069 |
| Assets per employee ($millions) | 4.1809% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 3,278 |
| Loan loss allowance to noncurrent loans | 9,050.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 6,593 |
| Noncurrent loans to loans | 0.0180% | 6,445 |
| Net loans and leases to total assets | 59.4276% | 3,529 |
| Net loans and leases to deposits | 76.4122% | 2,567 |
| Net loans and leases to core deposits | 77.7845% | 3,104 |
| Total domestic deposits to total assets | 77.7723% | 6,146 |
| Equity capital to assets | 15.8654% | 579 |
| Core capital (leverage) ratio | 15.7540% | 484 |
| Tier 1 risk-based capital ratio | 27.7270% | 655 |
| Total risk-based capital ratio | 28.9829% | 642 |
| Memoranda: | ||
| Average total assets | $179,755,500 | 3,350 |
| Average earning assets | $172,933,000 | 3,241 |
| Average equity | $29,130,000 | 2,363 |
| Average total loans | $110,771,000 | 3,272 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4370% | 3,671 |
| Cost of funding earning assets | 0.5596% | 4,729 |
| Net interest margin | 3.8774% | 2,918 |
| Noninterest income to average assets | 0.7908% | 2,302 |
| Noninterest expense to average assets | 2.7688% | 4,146 |
| Loan and lease loss provision to assets | 0.1840% | 3,337 |
| Net operating income to assets | 1.3475% | 1,202 |
| Return on assets (ROA) | 1.3168% | 1,395 |
| Pretax return on assets | 1.4866% | 1,724 |
| Return on Equity (ROE) | 8.2996% | 2,960 |
| Retained earnings to average equity (ytd only) | 5.0882% | 2,653 |
| Net charge-offs to loans | 0.2865% | 3,230 |
| Credit loss provision to net charge-offs | 106.5574% | 2,790 |
| Earnings coverage of net charge-offs (x) | 9.8754% | 2,208 |
| Efficiency ratio | 61.8879% | 5,252 |
| Assets per employee ($millions) | 4.0826% | 3,786 |
| Cash dividends to net income (ytd only)* | 38.6930% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 3,403 |
| Loan loss allowance to noncurrent loans | 173.6318% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5725% | 5,051 |
| Noncurrent loans to loans | 0.9103% | 4,358 |
| Net loans and leases to total assets | 61.8988% | 3,264 |
| Net loans and leases to deposits | 80.6496% | 2,199 |
| Net loans and leases to core deposits | 82.3455% | 2,736 |
| Total domestic deposits to total assets | 76.7503% | 6,255 |
| Equity capital to assets | 16.5616% | 469 |
| Core capital (leverage) ratio | 15.8174% | 472 |
| Tier 1 risk-based capital ratio | 27.3302% | 669 |
| Total risk-based capital ratio | 28.5856% | 656 |
| Memoranda: | ||
| Average total assets | $176,645,400 | 3,352 |
| Average earning assets | $167,794,000 | 3,256 |
| Average equity | $28,025,600 | 2,392 |
| Average total loans | $106,459,000 | 3,367 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6243% | 3,115 |
| Cost of funding earning assets | 0.5887% | 4,757 |
| Net interest margin | 4.0356% | 2,358 |
| Noninterest income to average assets | 0.7664% | 2,402 |
| Noninterest expense to average assets | 2.8336% | 3,860 |
| Loan and lease loss provision to assets | 0.1130% | 4,151 |
| Net operating income to assets | 1.4115% | 1,199 |
| Return on assets (ROA) | 1.3791% | 1,403 |
| Pretax return on assets | 1.6052% | 1,560 |
| Return on Equity (ROE) | 8.7883% | 2,907 |
| Retained earnings to average equity (ytd only) | 5.4267% | 3,083 |
| Net charge-offs to loans | 0.1087% | 4,304 |
| Credit loss provision to net charge-offs | 174.4186% | 1,599 |
| Earnings coverage of net charge-offs (x) | 27.0939% | 1,194 |
| Efficiency ratio | 61.7406% | 5,196 |
| Assets per employee ($millions) | 3.9766% | 3,917 |
| Cash dividends to net income (ytd only)* | 38.2514% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6470% | 3,346 |
| Loan loss allowance to noncurrent loans | 225.0314% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4572% | 5,521 |
| Noncurrent loans to loans | 0.7319% | 4,963 |
| Net loans and leases to total assets | 61.0564% | 3,561 |
| Net loans and leases to deposits | 79.6420% | 2,450 |
| Net loans and leases to core deposits | 81.1693% | 3,067 |
| Total domestic deposits to total assets | 76.6636% | 6,289 |
| Equity capital to assets | 16.4347% | 539 |
| Core capital (leverage) ratio | 15.9809% | 476 |
| Tier 1 risk-based capital ratio | 27.7512% | 681 |
| Total risk-based capital ratio | 29.0077% | 665 |
| Memoranda: | ||
| Average total assets | $176,919,000 | 3,394 |
| Average earning assets | $167,602,500 | 3,290 |
| Average equity | $27,763,500 | 2,435 |
| Average total loans | $105,471,500 | 3,418 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6085% | 3,324 |
| Cost of funding earning assets | 0.6265% | 4,663 |
| Net interest margin | 3.9820% | 2,582 |
| Noninterest income to average assets | 0.7445% | 2,444 |
| Noninterest expense to average assets | 2.7933% | 4,038 |
| Loan and lease loss provision to assets | 0.0676% | 4,785 |
| Net operating income to assets | 1.4287% | 1,133 |
| Return on assets (ROA) | 1.3696% | 1,418 |
| Pretax return on assets | 1.5949% | 1,563 |
| Return on Equity (ROE) | 8.8653% | 2,873 |
| Retained earnings to average equity (ytd only) | 3.7619% | 4,107 |
| Net charge-offs to loans | 0.1398% | 3,804 |
| Credit loss provision to net charge-offs | 82.1918% | 3,260 |
| Earnings coverage of net charge-offs (x) | 21.0548% | 1,359 |
| Efficiency ratio | 61.7376% | 5,292 |
| Assets per employee ($millions) | 4.0568% | 3,755 |
| Cash dividends to net income (ytd only)* | 57.5658% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 3,779 |
| Loan loss allowance to noncurrent loans | 262.1746% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 5,841 |
| Noncurrent loans to loans | 0.5914% | 5,329 |
| Net loans and leases to total assets | 62.3197% | 3,367 |
| Net loans and leases to deposits | 80.8077% | 2,262 |
| Net loans and leases to core deposits | 82.6325% | 2,877 |
| Total domestic deposits to total assets | 77.1210% | 6,307 |
| Equity capital to assets | 16.0504% | 573 |
| Core capital (leverage) ratio | 15.2521% | 553 |
| Tier 1 risk-based capital ratio | 24.7985% | 922 |
| Total risk-based capital ratio | 26.0524% | 909 |
| Memoranda: | ||
| Average total assets | $177,568,330 | 3,400 |
| Average earning assets | $168,559,330 | 3,284 |
| Average equity | $27,432,670 | 2,453 |
| Average total loans | $104,422,000 | 3,467 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5234% | 3,824 |
| Cost of funding earning assets | 0.6567% | 4,668 |
| Net interest margin | 3.8668% | 3,066 |
| Noninterest income to average assets | 0.7414% | 2,443 |
| Noninterest expense to average assets | 2.7913% | 4,068 |
| Loan and lease loss provision to assets | 0.0670% | 4,573 |
| Net operating income to assets | 1.3059% | 1,445 |
| Return on assets (ROA) | 1.2527% | 1,765 |
| Pretax return on assets | 1.4760% | 1,944 |
| Return on Equity (ROE) | 8.2653% | 3,164 |
| Retained earnings to average equity (ytd only) | -2.0479% | 6,284 |
| Net charge-offs to loans | 0.1341% | 3,302 |
| Credit loss provision to net charge-offs | 88.2353% | 2,579 |
| Earnings coverage of net charge-offs (x) | 21.1471% | 1,163 |
| Efficiency ratio | 63.4840% | 5,021 |
| Assets per employee ($millions) | 4.0734% | 3,853 |
| Cash dividends to net income (ytd only)* | 124.7772% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 3,365 |
| Loan loss allowance to noncurrent loans | 2,151.2500% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 6,784 |
| Noncurrent loans to loans | 0.0789% | 6,552 |
| Net loans and leases to total assets | 55.6352% | 4,450 |
| Net loans and leases to deposits | 71.0955% | 3,573 |
| Net loans and leases to core deposits | 72.5021% | 4,077 |
| Total domestic deposits to total assets | 78.2542% | 6,232 |
| Equity capital to assets | 15.1197% | 728 |
| Core capital (leverage) ratio | 14.7897% | 635 |
| Tier 1 risk-based capital ratio | 26.3428% | 779 |
| Total risk-based capital ratio | 27.6025% | 763 |
| Memoranda: | ||
| Average total assets | $179,130,500 | 3,396 |
| Average earning assets | $169,340,000 | 3,298 |
| Average equity | $27,149,500 | 2,464 |
| Average total loans | $101,420,500 | 3,556 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8716% | 3,491 |
| Cost of funding earning assets | 0.9112% | 4,043 |
| Net interest margin | 3.9603% | 3,068 |
| Noninterest income to average assets | 0.7091% | 2,549 |
| Noninterest expense to average assets | 2.7896% | 4,385 |
| Loan and lease loss provision to assets | 0.0683% | 5,757 |
| Net operating income to assets | 1.2532% | 1,371 |
| Return on assets (ROA) | 1.2281% | 1,539 |
| Pretax return on assets | 1.6122% | 1,174 |
| Return on Equity (ROE) | 8.1643% | 2,821 |
| Retained earnings to average equity (ytd only) | 2.1111% | 4,708 |
| Net charge-offs to loans | 0.0739% | 5,582 |
| Credit loss provision to net charge-offs | 164.3836% | 1,660 |
| Earnings coverage of net charge-offs (x) | 41.2466% | 654 |
| Efficiency ratio | 61.9487% | 5,471 |
| Assets per employee ($millions) | 4.0689% | 3,714 |
| Cash dividends to net income (ytd only)* | 74.1427% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7011% | 3,198 |
| Loan loss allowance to noncurrent loans | 1,326.9231% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 6,762 |
| Noncurrent loans to loans | 0.1282% | 6,485 |
| Net loans and leases to total assets | 55.6775% | 4,769 |
| Net loans and leases to deposits | 71.1695% | 3,925 |
| Net loans and leases to core deposits | 72.8964% | 4,390 |
| Total domestic deposits to total assets | 78.2323% | 6,148 |
| Equity capital to assets | 15.1929% | 737 |
| Core capital (leverage) ratio | 14.9550% | 610 |
| Tier 1 risk-based capital ratio | 26.1147% | 767 |
| Total risk-based capital ratio | 27.3462% | 756 |
| Memoranda: | ||
| Average total assets | $175,721,000 | 3,398 |
| Average earning assets | $168,344,200 | 3,271 |
| Average equity | $26,432,200 | 2,442 |
| Average total loans | $98,779,600 | 3,652 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0051% | 3,062 |
| Cost of funding earning assets | 0.9770% | 3,837 |
| Net interest margin | 4.0281% | 2,788 |
| Noninterest income to average assets | 0.6495% | 2,884 |
| Noninterest expense to average assets | 2.7963% | 4,359 |
| Loan and lease loss provision to assets | 0.0686% | 5,596 |
| Net operating income to assets | 1.2523% | 1,511 |
| Return on assets (ROA) | 1.2396% | 1,644 |
| Pretax return on assets | 1.6246% | 1,320 |
| Return on Equity (ROE) | 8.2619% | 2,928 |
| Retained earnings to average equity (ytd only) | 0.1321% | 5,919 |
| Net charge-offs to loans | 0.0951% | 5,028 |
| Credit loss provision to net charge-offs | 128.5714% | 2,480 |
| Earnings coverage of net charge-offs (x) | 32.0432% | 893 |
| Efficiency ratio | 62.0538% | 5,399 |
| Assets per employee ($millions) | 3.9345% | 3,992 |
| Cash dividends to net income (ytd only)* | 98.4008% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6956% | 3,290 |
| Loan loss allowance to noncurrent loans | 1,601.8868% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 6,886 |
| Noncurrent loans to loans | 0.1059% | 6,664 |
| Net loans and leases to total assets | 56.8639% | 4,705 |
| Net loans and leases to deposits | 73.2753% | 3,768 |
| Net loans and leases to core deposits | 75.3586% | 4,272 |
| Total domestic deposits to total assets | 77.6030% | 6,276 |
| Equity capital to assets | 15.7015% | 687 |
| Core capital (leverage) ratio | 14.9644% | 670 |
| Tier 1 risk-based capital ratio | 25.4427% | 875 |
| Total risk-based capital ratio | 26.6510% | 869 |
| Memoranda: | ||
| Average total assets | $174,893,500 | 3,432 |
| Average earning assets | $167,451,000 | 3,294 |
| Average equity | $26,240,250 | 2,458 |
| Average total loans | $98,123,250 | 3,694 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9870% | 3,219 |
| Cost of funding earning assets | 1.0221% | 3,802 |
| Net interest margin | 3.9649% | 3,014 |
| Noninterest income to average assets | 0.6508% | 2,832 |
| Noninterest expense to average assets | 2.7683% | 4,553 |
| Loan and lease loss provision to assets | 0.0684% | 5,452 |
| Net operating income to assets | 1.2614% | 1,418 |
| Return on assets (ROA) | 1.2161% | 1,606 |
| Pretax return on assets | 1.5580% | 1,360 |
| Return on Equity (ROE) | 8.2310% | 2,844 |
| Retained earnings to average equity (ytd only) | -1.7974% | 6,217 |
| Net charge-offs to loans | 0.1498% | 4,291 |
| Credit loss provision to net charge-offs | 82.1918% | 3,704 |
| Earnings coverage of net charge-offs (x) | 20.2466% | 1,195 |
| Efficiency ratio | 62.1705% | 5,565 |
| Assets per employee ($millions) | 4.0737% | 3,599 |
| Cash dividends to net income (ytd only)* | 121.8369% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 3,349 |
| Loan loss allowance to noncurrent loans | 2,601.5625% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 6,879 |
| Noncurrent loans to loans | 0.0651% | 6,819 |
| Net loans and leases to total assets | 55.1858% | 5,123 |
| Net loans and leases to deposits | 70.4395% | 4,378 |
| Net loans and leases to core deposits | 72.3993% | 4,773 |
| Total domestic deposits to total assets | 78.3450% | 6,225 |
| Equity capital to assets | 15.2064% | 769 |
| Core capital (leverage) ratio | 14.5617% | 754 |
| Tier 1 risk-based capital ratio | 25.9145% | 821 |
| Total risk-based capital ratio | 27.1746% | 803 |
| Memoranda: | ||
| Average total assets | $175,485,670 | 3,443 |
| Average earning assets | $168,277,670 | 3,307 |
| Average equity | $25,926,330 | 2,473 |
| Average total loans | $97,451,330 | 3,751 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9315% | 3,411 |
| Cost of funding earning assets | 1.0713% | 3,711 |
| Net interest margin | 3.8601% | 3,338 |
| Noninterest income to average assets | 0.6217% | 3,029 |
| Noninterest expense to average assets | 2.7738% | 4,550 |
| Loan and lease loss provision to assets | 0.0683% | 5,137 |
| Net operating income to assets | 1.1806% | 1,567 |
| Return on assets (ROA) | 1.1205% | 1,814 |
| Pretax return on assets | 1.4051% | 1,713 |
| Return on Equity (ROE) | 7.6962% | 3,045 |
| Retained earnings to average equity (ytd only) | -12.6393% | 6,963 |
| Net charge-offs to loans | 0.3587% | 2,625 |
| Credit loss provision to net charge-offs | 34.4828% | 4,044 |
| Earnings coverage of net charge-offs (x) | 7.8161% | 1,893 |
| Efficiency ratio | 64.1728% | 5,336 |
| Assets per employee ($millions) | 4.0341% | 3,773 |
| Cash dividends to net income (ytd only)* | 264.2276% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 3,379 |
| Loan loss allowance to noncurrent loans | 1,166.1871% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 6,849 |
| Noncurrent loans to loans | 0.1447% | 6,687 |
| Net loans and leases to total assets | 53.1949% | 5,423 |
| Net loans and leases to deposits | 66.8922% | 4,848 |
| Net loans and leases to core deposits | 68.8491% | 5,186 |
| Total domestic deposits to total assets | 79.5234% | 6,053 |
| Equity capital to assets | 14.2023% | 948 |
| Core capital (leverage) ratio | 14.1881% | 811 |
| Tier 1 risk-based capital ratio | 24.7803% | 901 |
| Total risk-based capital ratio | 26.0331% | 880 |
| Memoranda: | ||
| Average total assets | $175,643,500 | 3,459 |
| Average earning assets | $168,388,500 | 3,322 |
| Average equity | $25,571,000 | 2,486 |
| Average total loans | $97,010,000 | 3,812 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1953% | 3,631 |
| Cost of funding earning assets | 1.4469% | 2,977 |
| Net interest margin | 3.7484% | 4,157 |
| Noninterest income to average assets | 0.7212% | 2,702 |
| Noninterest expense to average assets | 2.7580% | 4,748 |
| Loan and lease loss provision to assets | 0.0677% | 6,467 |
| Net operating income to assets | 1.1784% | 1,468 |
| Return on assets (ROA) | 1.1513% | 1,622 |
| Pretax return on assets | 1.4334% | 1,555 |
| Return on Equity (ROE) | 7.6283% | 2,838 |
| Retained earnings to average equity (ytd only) | 2.4119% | 4,184 |
| Net charge-offs to loans | 0.2342% | 4,879 |
| Credit loss provision to net charge-offs | 54.2986% | 6,192 |
| Earnings coverage of net charge-offs (x) | 12.3077% | 1,520 |
| Efficiency ratio | 64.2435% | 5,305 |
| Assets per employee ($millions) | 3.9497% | 3,887 |
| Cash dividends to net income (ytd only)* | 68.3824% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 3,167 |
| Loan loss allowance to noncurrent loans | 791.5094% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 6,929 |
| Noncurrent loans to loans | 0.2164% | 6,637 |
| Net loans and leases to total assets | 55.4127% | 5,429 |
| Net loans and leases to deposits | 70.3916% | 4,769 |
| Net loans and leases to core deposits | 72.5183% | 5,160 |
| Total domestic deposits to total assets | 78.7205% | 6,158 |
| Equity capital to assets | 14.9223% | 807 |
| Core capital (leverage) ratio | 14.6319% | 725 |
| Tier 1 risk-based capital ratio | 26.2700% | 735 |
| Total risk-based capital ratio | 27.4988% | 718 |
| Memoranda: | ||
| Average total assets | $177,195,200 | 3,419 |
| Average earning assets | $168,845,200 | 3,301 |
| Average equity | $26,742,600 | 2,392 |
| Average total loans | $94,355,400 | 3,944 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2820% | 3,441 |
| Cost of funding earning assets | 1.5206% | 2,841 |
| Net interest margin | 3.7614% | 4,130 |
| Noninterest income to average assets | 0.6904% | 2,874 |
| Noninterest expense to average assets | 2.7453% | 4,700 |
| Loan and lease loss provision to assets | 0.0599% | 6,467 |
| Net operating income to assets | 1.1754% | 1,657 |
| Return on assets (ROA) | 1.1772% | 1,747 |
| Pretax return on assets | 1.4625% | 1,713 |
| Return on Equity (ROE) | 7.7786% | 2,998 |
| Retained earnings to average equity (ytd only) | 5.7993% | 2,478 |
| Net charge-offs to loans | 0.3053% | 4,139 |
| Credit loss provision to net charge-offs | 37.3832% | 6,052 |
| Earnings coverage of net charge-offs (x) | 9.4859% | 2,014 |
| Efficiency ratio | 64.3610% | 5,182 |
| Assets per employee ($millions) | 4.0298% | 3,770 |
| Cash dividends to net income (ytd only)* | 25.4453% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6903% | 3,180 |
| Loan loss allowance to noncurrent loans | 486.6864% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 6,888 |
| Noncurrent loans to loans | 0.3473% | 6,502 |
| Net loans and leases to total assets | 53.9603% | 5,856 |
| Net loans and leases to deposits | 69.4873% | 5,217 |
| Net loans and leases to core deposits | 71.9939% | 5,515 |
| Total domestic deposits to total assets | 77.6550% | 6,328 |
| Equity capital to assets | 15.7289% | 724 |
| Core capital (leverage) ratio | 15.3146% | 659 |
| Tier 1 risk-based capital ratio | 26.5488% | 736 |
| Total risk-based capital ratio | 27.7701% | 715 |
| Memoranda: | ||
| Average total assets | $178,047,250 | 3,452 |
| Average earning assets | $169,224,750 | 3,337 |
| Average equity | $26,945,000 | 2,419 |
| Average total loans | $93,449,750 | 4,037 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3323% | 3,305 |
| Cost of funding earning assets | 1.5952% | 2,687 |
| Net interest margin | 3.7371% | 4,201 |
| Noninterest income to average assets | 0.6674% | 2,913 |
| Noninterest expense to average assets | 2.7292% | 4,795 |
| Loan and lease loss provision to assets | 0.0449% | 6,523 |
| Net operating income to assets | 1.1395% | 1,725 |
| Return on assets (ROA) | 1.1262% | 1,838 |
| Pretax return on assets | 1.4190% | 1,782 |
| Return on Equity (ROE) | 7.5403% | 3,096 |
| Retained earnings to average equity (ytd only) | 4.5362% | 3,185 |
| Net charge-offs to loans | 0.3472% | 3,611 |
| Credit loss provision to net charge-offs | 25.0000% | 5,803 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 2,166 |
| Efficiency ratio | 64.8281% | 5,181 |
| Assets per employee ($millions) | 3.9582% | 3,850 |
| Cash dividends to net income (ytd only)* | 39.8406% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 2,840 |
| Loan loss allowance to noncurrent loans | 27,650.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 7,420 |
| Noncurrent loans to loans | 0.0064% | 7,323 |
| Net loans and leases to total assets | 54.2658% | 5,958 |
| Net loans and leases to deposits | 67.6568% | 5,594 |
| Net loans and leases to core deposits | 69.6707% | 5,907 |
| Total domestic deposits to total assets | 80.2075% | 5,666 |
| Equity capital to assets | 15.9723% | 674 |
| Core capital (leverage) ratio | 14.3851% | 839 |
| Tier 1 risk-based capital ratio | 26.3977% | 743 |
| Total risk-based capital ratio | 27.6627% | 733 |
| Memoranda: | ||
| Average total assets | $178,293,000 | 3,466 |
| Average earning assets | $169,009,330 | 3,355 |
| Average equity | $26,630,330 | 2,436 |
| Average total loans | $92,159,000 | 4,104 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3118% | 3,482 |
| Cost of funding earning assets | 1.6126% | 2,882 |
| Net interest margin | 3.6992% | 4,247 |
| Noninterest income to average assets | 0.6208% | 3,138 |
| Noninterest expense to average assets | 2.6478% | 5,153 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2159% | 1,495 |
| Return on assets (ROA) | 1.1868% | 1,649 |
| Pretax return on assets | 1.4303% | 1,690 |
| Return on Equity (ROE) | 8.2116% | 2,777 |
| Retained earnings to average equity (ytd only) | 8.2116% | 1,618 |
| Net charge-offs to loans | 0.2061% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 14.2128% | 1,446 |
| Efficiency ratio | 64.3733% | 5,417 |
| Assets per employee ($millions) | 4.2443% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 2,451 |
| Loan loss allowance to noncurrent loans | 930.6452% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 7,161 |
| Noncurrent loans to loans | 0.2040% | 6,934 |
| Net loans and leases to total assets | 47.9041% | 6,688 |
| Net loans and leases to deposits | 62.0159% | 6,273 |
| Net loans and leases to core deposits | 63.8765% | 6,459 |
| Total domestic deposits to total assets | 77.2450% | 6,505 |
| Equity capital to assets | 14.2297% | 1,088 |
| Core capital (leverage) ratio | 14.0538% | 948 |
| Tier 1 risk-based capital ratio | 26.1993% | 758 |
| Total risk-based capital ratio | 27.4579% | 748 |
| Memoranda: | ||
| Average total assets | $182,339,000 | 3,466 |
| Average earning assets | $172,144,500 | 3,367 |
| Average equity | $26,353,000 | 2,478 |
| Average total loans | $91,228,500 | 4,179 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2268% | 1,171 |
| Cost of funding earning assets | 1.7883% | 4,048 |
| Net interest margin | 4.4385% | 1,322 |
| Noninterest income to average assets | 0.7580% | 2,627 |
| Noninterest expense to average assets | 3.1454% | 3,569 |
| Loan and lease loss provision to assets | 0.1199% | 6,443 |
| Net operating income to assets | 1.4343% | 797 |
| Return on assets (ROA) | 1.4081% | 891 |
| Pretax return on assets | 1.6827% | 813 |
| Return on Equity (ROE) | 9.1648% | 1,972 |
| Retained earnings to average equity (ytd only) | 6.4325% | 1,176 |
| Net charge-offs to loans | 0.4060% | 4,193 |
| Credit loss provision to net charge-offs | 55.2486% | 6,691 |
| Earnings coverage of net charge-offs (x) | 8.4475% | 1,944 |
| Efficiency ratio | 63.1699% | 5,935 |
| Assets per employee ($millions) | 4.0438% | 3,724 |
| Cash dividends to net income (ytd only)* | 29.8126% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 2,149 |
| Loan loss allowance to noncurrent loans | 1,336.8421% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 7,236 |
| Noncurrent loans to loans | 0.1457% | 7,066 |
| Net loans and leases to total assets | 50.2939% | 6,609 |
| Net loans and leases to deposits | 65.9340% | 6,055 |
| Net loans and leases to core deposits | 77.8202% | 6,271 |
| Total domestic deposits to total assets | 76.2792% | 6,626 |
| Equity capital to assets | 14.6868% | 981 |
| Core capital (leverage) ratio | 14.4037% | 902 |
| Tier 1 risk-based capital ratio | 25.5380% | 798 |
| Total risk-based capital ratio | 26.8009% | 783 |
| Memoranda: | ||
| Average total assets | $166,754,000 | 3,659 |
| Average earning assets | $158,588,600 | 3,545 |
| Average equity | $25,619,800 | 2,555 |
| Average total loans | $89,159,200 | 4,234 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5086% | 731 |
| Cost of funding earning assets | 1.8389% | 4,204 |
| Net interest margin | 4.6697% | 880 |
| Noninterest income to average assets | 0.7766% | 2,567 |
| Noninterest expense to average assets | 3.2926% | 2,947 |
| Loan and lease loss provision to assets | 0.0813% | 6,553 |
| Net operating income to assets | 1.5284% | 763 |
| Return on assets (ROA) | 1.5345% | 804 |
| Pretax return on assets | 1.8581% | 719 |
| Return on Equity (ROE) | 9.8696% | 1,966 |
| Retained earnings to average equity (ytd only) | 7.7775% | 1,209 |
| Net charge-offs to loans | 0.3174% | 4,054 |
| Credit loss provision to net charge-offs | 47.3934% | 6,350 |
| Earnings coverage of net charge-offs (x) | 11.2605% | 1,870 |
| Efficiency ratio | 63.0195% | 5,921 |
| Assets per employee ($millions) | 3.9401% | 3,850 |
| Cash dividends to net income (ytd only)* | 21.1976% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0332% | 1,720 |
| Loan loss allowance to noncurrent loans | 2,406.5789% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 6,881 |
| Noncurrent loans to loans | 0.0845% | 7,276 |
| Net loans and leases to total assets | 52.0144% | 6,595 |
| Net loans and leases to deposits | 69.9729% | 5,920 |
| Net loans and leases to core deposits | 81.7435% | 6,207 |
| Total domestic deposits to total assets | 74.3351% | 6,890 |
| Equity capital to assets | 15.5065% | 888 |
| Core capital (leverage) ratio | 15.0674% | 844 |
| Tier 1 risk-based capital ratio | 26.1362% | 813 |
| Total risk-based capital ratio | 27.3461% | 797 |
| Memoranda: | ||
| Average total assets | $163,960,500 | 3,724 |
| Average earning assets | $156,179,500 | 3,616 |
| Average equity | $25,491,750 | 2,586 |
| Average total loans | $88,632,750 | 4,293 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7646% | 482 |
| Cost of funding earning assets | 1.8965% | 4,284 |
| Net interest margin | 4.8681% | 579 |
| Noninterest income to average assets | 0.8018% | 2,401 |
| Noninterest expense to average assets | 3.3959% | 2,650 |
| Loan and lease loss provision to assets | 0.1234% | 5,876 |
| Net operating income to assets | 1.4898% | 857 |
| Return on assets (ROA) | 1.5259% | 850 |
| Pretax return on assets | 1.9415% | 646 |
| Return on Equity (ROE) | 9.8051% | 2,092 |
| Retained earnings to average equity (ytd only) | 6.6345% | 1,727 |
| Net charge-offs to loans | 0.3833% | 3,285 |
| Credit loss provision to net charge-offs | 59.1716% | 5,607 |
| Earnings coverage of net charge-offs (x) | 9.6864% | 2,089 |
| Efficiency ratio | 62.7107% | 6,139 |
| Assets per employee ($millions) | 3.8567% | 3,967 |
| Cash dividends to net income (ytd only)* | 32.3363% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1206% | 1,355 |
| Loan loss allowance to noncurrent loans | 714.1221% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 7,017 |
| Noncurrent loans to loans | 0.2970% | 6,771 |
| Net loans and leases to total assets | 52.0734% | 6,679 |
| Net loans and leases to deposits | 69.7690% | 6,011 |
| Net loans and leases to core deposits | 82.5958% | 6,193 |
| Total domestic deposits to total assets | 74.6368% | 6,834 |
| Equity capital to assets | 15.1973% | 987 |
| Core capital (leverage) ratio | 14.9295% | 940 |
| Tier 1 risk-based capital ratio | 24.7598% | 964 |
| Total risk-based capital ratio | 26.0146% | 946 |
| Memoranda: | ||
| Average total assets | $162,138,670 | 3,777 |
| Average earning assets | $153,652,330 | 3,671 |
| Average equity | $25,231,670 | 2,618 |
| Average total loans | $88,192,000 | 4,332 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0815% | 293 |
| Cost of funding earning assets | 1.9405% | 4,428 |
| Net interest margin | 5.1410% | 311 |
| Noninterest income to average assets | 0.8011% | 2,316 |
| Noninterest expense to average assets | 3.2866% | 2,695 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8310% | 500 |
| Return on assets (ROA) | 1.8641% | 519 |
| Pretax return on assets | 2.4032% | 299 |
| Return on Equity (ROE) | 11.8355% | 1,718 |
| Retained earnings to average equity (ytd only) | 11.8355% | 823 |
| Net charge-offs to loans | 0.5217% | 2,158 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 8.2261% | 2,225 |
| Efficiency ratio | 58.1971% | 6,672 |
| Assets per employee ($millions) | 3.8014% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0873% | 1,258 |
| Loan loss allowance to noncurrent loans | 1,119.6319% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 7,146 |
| Noncurrent loans to loans | 0.1864% | 6,998 |
| Net loans and leases to total assets | 52.3728% | 6,643 |
| Net loans and leases to deposits | 70.8400% | 5,889 |
| Net loans and leases to core deposits | 81.7979% | 6,251 |
| Total domestic deposits to total assets | 73.9311% | 6,906 |
| Equity capital to assets | 15.6180% | 944 |
| Core capital (leverage) ratio | 15.1805% | 930 |
| Tier 1 risk-based capital ratio | 26.0610% | 887 |
| Total risk-based capital ratio | 27.3124% | 871 |
| Memoranda: | ||
| Average total assets | $160,288,500 | 3,830 |
| Average earning assets | $151,098,500 | 3,731 |
| Average equity | $25,246,000 | 2,624 |
| Average total loans | $88,173,500 | 4,351 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8239% | 1,602 |
| Cost of funding earning assets | 2.4279% | 4,587 |
| Net interest margin | 4.3960% | 1,695 |
| Noninterest income to average assets | 0.7962% | 2,538 |
| Noninterest expense to average assets | 2.8981% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6446% | 764 |
| Return on assets (ROA) | 1.6189% | 768 |
| Pretax return on assets | 2.0631% | 521 |
| Return on Equity (ROE) | 10.5993% | 2,050 |
| Retained earnings to average equity (ytd only) | 8.0666% | 826 |
| Net charge-offs to loans | -0.2647% | 8,185 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0300% | 6,691 |
| Assets per employee ($millions) | 3.6539% | 4,277 |
| Cash dividends to net income (ytd only)* | 23.8949% | 4,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1819% | 968 |
| Loan loss allowance to noncurrent loans | 327.7027% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 6,106 |
| Noncurrent loans to loans | 0.6658% | 5,370 |
| Net loans and leases to total assets | 55.3558% | 6,512 |
| Net loans and leases to deposits | 75.5068% | 5,651 |
| Net loans and leases to core deposits | 86.4493% | 6,105 |
| Total domestic deposits to total assets | 73.3124% | 6,773 |
| Equity capital to assets | 15.8881% | 962 |
| Core capital (leverage) ratio | 15.0402% | 1,020 |
| Tier 1 risk-based capital ratio | 25.1561% | 973 |
| Total risk-based capital ratio | 26.3583% | 960 |
| Memoranda: | ||
| Average total assets | $155,103,800 | 3,799 |
| Average earning assets | $148,111,400 | 3,690 |
| Average equity | $23,690,200 | 2,766 |
| Average total loans | $85,002,800 | 4,363 |