Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 3,529 |
| Cost of funding earning assets | 1.2893% | 2,551 |
| Net interest margin | 2.9602% | 3,379 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.5563% | 4,286 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.2854% | 1,460 |
| Return on assets (ROA) | 1.2854% | 1,432 |
| Pretax return on assets | 1.5053% | 1,406 |
| Return on Equity (ROE) | 16.4400% | 1,027 |
| Retained earnings to average equity (ytd only) | 8.7421% | 1,320 |
| Net charge-offs to loans | 0.0013% | 2,801 |
| Credit loss provision to net charge-offs | 6,866.6667% | 75 |
| Earnings coverage of net charge-offs (x) | 2,024.0000% | 73 |
| Efficiency ratio | 49.9712% | 3,984 |
| Assets per employee ($millions) | 11.1281% | 522 |
| Cash dividends to net income (ytd only)* | 46.8357% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 2,503 |
| Loan loss allowance to noncurrent loans | 8,381.8182% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 3,734 |
| Noncurrent loans to loans | 0.0138% | 3,651 |
| Net loans and leases to total assets | 58.8400% | 2,966 |
| Net loans and leases to deposits | 65.0376% | 3,238 |
| Net loans and leases to core deposits | 83.9129% | 2,456 |
| Total domestic deposits to total assets | 90.4700% | 635 |
| Equity capital to assets | 8.3795% | 3,133 |
| Core capital (leverage) ratio | 10.6312% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $389,698,600 | 2,047 |
| Average earning assets | $376,626,200 | 1,987 |
| Average equity | $30,461,800 | 2,248 |
| Average total loans | $229,869,000 | 2,104 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 3,604 |
| Cost of funding earning assets | 1.1721% | 2,522 |
| Net interest margin | 2.9553% | 3,423 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.5498% | 4,278 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.2900% | 1,568 |
| Return on assets (ROA) | 1.2900% | 1,552 |
| Pretax return on assets | 1.4960% | 1,565 |
| Return on Equity (ROE) | 16.8200% | 1,109 |
| Retained earnings to average equity (ytd only) | 13.9102% | 684 |
| Net charge-offs to loans | 0.0006% | 2,638 |
| Credit loss provision to net charge-offs | 19,800.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 4,540.0000% | 13 |
| Efficiency ratio | 49.7676% | 3,929 |
| Assets per employee ($millions) | 11.0220% | 497 |
| Cash dividends to net income (ytd only)* | 17.2810% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 2,559 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 59.1400% | 2,923 |
| Net loans and leases to deposits | 64.4278% | 3,236 |
| Net loans and leases to core deposits | 80.9712% | 2,533 |
| Total domestic deposits to total assets | 91.7900% | 497 |
| Equity capital to assets | 7.1740% | 3,526 |
| Core capital (leverage) ratio | 10.9711% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $386,970,750 | 2,052 |
| Average earning assets | $374,237,500 | 1,994 |
| Average equity | $29,685,000 | 2,262 |
| Average total loans | $227,712,750 | 2,113 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0091% | 3,667 |
| Cost of funding earning assets | 1.0323% | 2,497 |
| Net interest margin | 2.9768% | 3,491 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.5476% | 4,297 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.3187% | 1,518 |
| Return on assets (ROA) | 1.3187% | 1,504 |
| Pretax return on assets | 1.5403% | 1,518 |
| Return on Equity (ROE) | 16.8200% | 1,132 |
| Retained earnings to average equity (ytd only) | 12.5152% | 882 |
| Net charge-offs to loans | 0.0009% | 2,401 |
| Credit loss provision to net charge-offs | 9,100.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 3,051.0000% | 34 |
| Efficiency ratio | 49.3189% | 3,984 |
| Assets per employee ($millions) | 10.6472% | 556 |
| Cash dividends to net income (ytd only)* | 25.5731% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,715 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 59.6600% | 2,803 |
| Net loans and leases to deposits | 65.3495% | 3,100 |
| Net loans and leases to core deposits | 80.3490% | 2,442 |
| Total domestic deposits to total assets | 91.3000% | 558 |
| Equity capital to assets | 7.7138% | 3,395 |
| Core capital (leverage) ratio | 11.1384% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $383,697,000 | 2,065 |
| Average earning assets | $371,402,667 | 2,007 |
| Average equity | $30,091,333 | 2,261 |
| Average total loans | $224,476,667 | 2,128 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 3,500 |
| Cost of funding earning assets | 0.9166% | 2,319 |
| Net interest margin | 3.0552% | 3,451 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.5869% | 4,321 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.3681% | 1,494 |
| Return on assets (ROA) | 1.3681% | 1,464 |
| Pretax return on assets | 1.5921% | 1,482 |
| Return on Equity (ROE) | 17.3000% | 1,127 |
| Retained earnings to average equity (ytd only) | 17.3028% | 569 |
| Net charge-offs to loans | -0.0018% | 3,406 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.3839% | 3,988 |
| Assets per employee ($millions) | 10.5742% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,719 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 57.6600% | 2,895 |
| Net loans and leases to deposits | 63.5071% | 3,130 |
| Net loans and leases to core deposits | 73.2514% | 2,736 |
| Total domestic deposits to total assets | 90.8000% | 864 |
| Equity capital to assets | 8.4994% | 2,891 |
| Core capital (leverage) ratio | 10.7973% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $383,896,500 | 2,089 |
| Average earning assets | $371,829,000 | 2,030 |
| Average equity | $30,353,500 | 2,278 |
| Average total loans | $221,043,000 | 2,166 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5532% | 2,932 |
| Cost of funding earning assets | 0.3505% | 2,469 |
| Net interest margin | 3.2027% | 2,863 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.5198% | 4,404 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.4660% | 969 |
| Return on assets (ROA) | 1.4660% | 928 |
| Pretax return on assets | 1.7111% | 896 |
| Return on Equity (ROE) | 17.7500% | 743 |
| Retained earnings to average equity (ytd only) | 10.2324% | 1,084 |
| Net charge-offs to loans | 0.0124% | 1,919 |
| Credit loss provision to net charge-offs | 1,812.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 276.3600% | 518 |
| Efficiency ratio | 45.3532% | 4,379 |
| Assets per employee ($millions) | 10.7534% | 536 |
| Cash dividends to net income (ytd only)* | 42.3612% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 2,549 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.1600% | 3,012 |
| Net loans and leases to deposits | 61.2068% | 3,260 |
| Net loans and leases to core deposits | 69.9455% | 2,872 |
| Total domestic deposits to total assets | 91.7600% | 699 |
| Equity capital to assets | 7.3238% | 3,477 |
| Core capital (leverage) ratio | 10.2802% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $377,295,800 | 2,113 |
| Average earning assets | $366,097,000 | 2,046 |
| Average equity | $31,155,800 | 2,288 |
| Average total loans | $201,045,000 | 2,224 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4226% | 2,851 |
| Cost of funding earning assets | 0.2700% | 2,489 |
| Net interest margin | 3.1526% | 2,769 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.4683% | 4,453 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.4623% | 925 |
| Return on assets (ROA) | 1.4623% | 909 |
| Pretax return on assets | 1.7027% | 899 |
| Return on Equity (ROE) | 17.2100% | 760 |
| Retained earnings to average equity (ytd only) | 14.5062% | 407 |
| Net charge-offs to loans | 0.0082% | 1,841 |
| Credit loss provision to net charge-offs | 3,116.6667% | 177 |
| Earnings coverage of net charge-offs (x) | 430.0833% | 359 |
| Efficiency ratio | 44.4397% | 4,449 |
| Assets per employee ($millions) | 10.7725% | 532 |
| Cash dividends to net income (ytd only)* | 15.6896% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 2,689 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.9000% | 2,911 |
| Net loans and leases to deposits | 60.6586% | 3,138 |
| Net loans and leases to core deposits | 63.4283% | 3,161 |
| Total domestic deposits to total assets | 92.1600% | 832 |
| Equity capital to assets | 7.2300% | 3,384 |
| Core capital (leverage) ratio | 10.8159% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $374,839,500 | 2,130 |
| Average earning assets | $364,002,750 | 2,071 |
| Average equity | $31,856,750 | 2,282 |
| Average total loans | $196,311,750 | 2,255 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2951% | 2,755 |
| Cost of funding earning assets | 0.2363% | 2,435 |
| Net interest margin | 3.0588% | 2,686 |
| Noninterest income to average assets | 0.2363% | 3,762 |
| Noninterest expense to average assets | 1.4429% | 4,484 |
| Loan and lease loss provision to assets | 0.1181% | 852 |
| Net operating income to assets | 1.4226% | 852 |
| Return on assets (ROA) | 1.4226% | 838 |
| Pretax return on assets | 1.6514% | 846 |
| Return on Equity (ROE) | 15.9394% | 713 |
| Retained earnings to average equity (ytd only) | 12.0758% | 595 |
| Net charge-offs to loans | 0.0094% | 1,631 |
| Credit loss provision to net charge-offs | 2,455.5556% | 213 |
| Earnings coverage of net charge-offs (x) | 367.7778% | 342 |
| Efficiency ratio | 44.9160% | 4,496 |
| Assets per employee ($millions) | 10.6285% | 549 |
| Cash dividends to net income (ytd only)* | 24.2390% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 2,862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.3581% | 3,027 |
| Net loans and leases to deposits | 58.1619% | 3,212 |
| Net loans and leases to core deposits | 63.8005% | 2,988 |
| Total domestic deposits to total assets | 91.7405% | 949 |
| Equity capital to assets | 7.5191% | 3,463 |
| Core capital (leverage) ratio | 10.4477% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,106,333 | 2,146 |
| Average earning assets | $363,997,667 | 2,086 |
| Average equity | $33,389,000 | 2,259 |
| Average total loans | $190,656,667 | 2,296 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1562% | 2,809 |
| Cost of funding earning assets | 0.2284% | 2,420 |
| Net interest margin | 2.9278% | 2,741 |
| Noninterest income to average assets | 0.2324% | 3,756 |
| Noninterest expense to average assets | 1.4564% | 4,476 |
| Loan and lease loss provision to assets | 0.0458% | 1,540 |
| Net operating income to assets | 1.3711% | 854 |
| Return on assets (ROA) | 1.3711% | 847 |
| Pretax return on assets | 1.5865% | 847 |
| Return on Equity (ROE) | 14.2501% | 785 |
| Retained earnings to average equity (ytd only) | 14.2501% | 356 |
| Net charge-offs to loans | 0.0151% | 1,238 |
| Credit loss provision to net charge-offs | 614.2857% | 460 |
| Earnings coverage of net charge-offs (x) | 218.7143% | 405 |
| Efficiency ratio | 47.1522% | 4,446 |
| Assets per employee ($millions) | 10.7679% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 3,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 49.1863% | 3,256 |
| Net loans and leases to deposits | 54.2661% | 3,399 |
| Net loans and leases to core deposits | 59.3751% | 3,196 |
| Total domestic deposits to total assets | 90.6391% | 1,220 |
| Equity capital to assets | 8.8002% | 2,876 |
| Core capital (leverage) ratio | 10.5367% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,160,500 | 2,152 |
| Average earning assets | $366,009,000 | 2,090 |
| Average equity | $36,098,000 | 2,210 |
| Average total loans | $185,566,000 | 2,333 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2663% | 3,308 |
| Cost of funding earning assets | 0.2646% | 2,762 |
| Net interest margin | 3.0017% | 3,187 |
| Noninterest income to average assets | 0.2393% | 3,948 |
| Noninterest expense to average assets | 1.4644% | 4,574 |
| Loan and lease loss provision to assets | 0.0628% | 1,811 |
| Net operating income to assets | 1.4173% | 1,223 |
| Return on assets (ROA) | 1.4537% | 1,202 |
| Pretax return on assets | 1.6891% | 1,180 |
| Return on Equity (ROE) | 13.3616% | 1,355 |
| Retained earnings to average equity (ytd only) | 7.5394% | 1,707 |
| Net charge-offs to loans | 0.0022% | 2,548 |
| Credit loss provision to net charge-offs | 5,600.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 1,523.5000% | 95 |
| Efficiency ratio | 46.1375% | 4,493 |
| Assets per employee ($millions) | 10.6698% | 555 |
| Cash dividends to net income (ytd only)* | 43.5739% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 3,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 48.5893% | 3,446 |
| Net loans and leases to deposits | 54.8006% | 3,533 |
| Net loans and leases to core deposits | 59.4914% | 3,356 |
| Total domestic deposits to total assets | 88.6658% | 1,693 |
| Equity capital to assets | 10.4514% | 2,219 |
| Core capital (leverage) ratio | 10.4549% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,463,800 | 2,166 |
| Average earning assets | $348,501,600 | 2,091 |
| Average equity | $38,782,800 | 2,127 |
| Average total loans | $178,918,400 | 2,393 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 3,485 |
| Cost of funding earning assets | 0.2756% | 2,843 |
| Net interest margin | 2.9844% | 3,347 |
| Noninterest income to average assets | 0.2445% | 3,929 |
| Noninterest expense to average assets | 1.4233% | 4,666 |
| Loan and lease loss provision to assets | 0.0752% | 1,545 |
| Net operating income to assets | 1.4149% | 1,494 |
| Return on assets (ROA) | 1.4634% | 1,407 |
| Pretax return on assets | 1.7212% | 1,354 |
| Return on Equity (ROE) | 13.3120% | 1,611 |
| Retained earnings to average equity (ytd only) | 11.0910% | 1,046 |
| Net charge-offs to loans | 0.0008% | 2,428 |
| Credit loss provision to net charge-offs | 19,900.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 4,595.0000% | 28 |
| Efficiency ratio | 45.0030% | 4,543 |
| Assets per employee ($millions) | 10.4451% | 564 |
| Cash dividends to net income (ytd only)* | 16.6839% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 3,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 50.9098% | 3,305 |
| Net loans and leases to deposits | 57.5796% | 3,442 |
| Net loans and leases to core deposits | 62.6312% | 3,257 |
| Total domestic deposits to total assets | 88.4164% | 1,613 |
| Equity capital to assets | 10.9785% | 2,031 |
| Core capital (leverage) ratio | 10.8333% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,218,750 | 2,203 |
| Average earning assets | $344,400,750 | 2,130 |
| Average equity | $38,721,000 | 2,149 |
| Average total loans | $177,750,750 | 2,438 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2300% | 3,615 |
| Cost of funding earning assets | 0.2897% | 2,877 |
| Net interest margin | 2.9403% | 3,472 |
| Noninterest income to average assets | 0.2306% | 4,019 |
| Noninterest expense to average assets | 1.3986% | 4,720 |
| Loan and lease loss provision to assets | 0.0811% | 1,499 |
| Net operating income to assets | 1.4004% | 1,566 |
| Return on assets (ROA) | 1.4751% | 1,421 |
| Pretax return on assets | 1.7149% | 1,446 |
| Return on Equity (ROE) | 13.4119% | 1,591 |
| Retained earnings to average equity (ytd only) | 10.0393% | 1,380 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0037% | 4,571 |
| Assets per employee ($millions) | 10.1153% | 587 |
| Cash dividends to net income (ytd only)* | 25.1462% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 3,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 51.4685% | 3,399 |
| Net loans and leases to deposits | 58.2716% | 3,523 |
| Net loans and leases to core deposits | 63.6639% | 3,316 |
| Total domestic deposits to total assets | 88.3252% | 1,657 |
| Equity capital to assets | 10.9141% | 2,054 |
| Core capital (leverage) ratio | 10.6679% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $347,765,667 | 2,214 |
| Average earning assets | $340,305,667 | 2,135 |
| Average equity | $38,249,667 | 2,163 |
| Average total loans | $174,258,333 | 2,478 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1623% | 3,754 |
| Cost of funding earning assets | 0.3025% | 2,966 |
| Net interest margin | 2.8599% | 3,618 |
| Noninterest income to average assets | 0.2263% | 4,028 |
| Noninterest expense to average assets | 1.3777% | 4,760 |
| Loan and lease loss provision to assets | 0.0035% | 2,705 |
| Net operating income to assets | 1.4122% | 1,537 |
| Return on assets (ROA) | 1.5031% | 1,382 |
| Pretax return on assets | 1.7491% | 1,397 |
| Return on Equity (ROE) | 13.6121% | 1,512 |
| Retained earnings to average equity (ytd only) | 13.6121% | 797 |
| Net charge-offs to loans | -0.0024% | 3,170 |
| Credit loss provision to net charge-offs | -300.0000% | 3,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5487% | 4,492 |
| Assets per employee ($millions) | 10.6559% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 3,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.2076% | 3,795 |
| Net loans and leases to deposits | 54.5189% | 3,904 |
| Net loans and leases to core deposits | 59.7641% | 3,716 |
| Total domestic deposits to total assets | 88.4235% | 1,647 |
| Equity capital to assets | 10.9659% | 1,884 |
| Core capital (leverage) ratio | 10.8252% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $344,630,500 | 2,216 |
| Average earning assets | $337,219,000 | 2,138 |
| Average equity | $38,054,500 | 2,160 |
| Average total loans | $169,250,500 | 2,520 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 3,825 |
| Cost of funding earning assets | 0.5129% | 2,867 |
| Net interest margin | 3.0812% | 3,675 |
| Noninterest income to average assets | 0.2395% | 4,067 |
| Noninterest expense to average assets | 1.5623% | 4,732 |
| Loan and lease loss provision to assets | 0.1000% | 3,084 |
| Net operating income to assets | 1.3571% | 1,110 |
| Return on assets (ROA) | 1.4504% | 996 |
| Pretax return on assets | 1.6915% | 868 |
| Return on Equity (ROE) | 12.8494% | 1,077 |
| Retained earnings to average equity (ytd only) | 7.4802% | 1,204 |
| Net charge-offs to loans | 0.0112% | 2,923 |
| Credit loss provision to net charge-offs | 1,772.2222% | 488 |
| Earnings coverage of net charge-offs (x) | 298.2222% | 347 |
| Efficiency ratio | 48.1403% | 4,627 |
| Assets per employee ($millions) | 9.9299% | 548 |
| Cash dividends to net income (ytd only)* | 41.7856% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 3,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 48.9158% | 3,909 |
| Net loans and leases to deposits | 55.6406% | 4,022 |
| Net loans and leases to core deposits | 60.9180% | 3,891 |
| Total domestic deposits to total assets | 87.9138% | 1,520 |
| Equity capital to assets | 11.1215% | 2,160 |
| Core capital (leverage) ratio | 10.5946% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,947,400 | 2,197 |
| Average earning assets | $311,149,400 | 2,111 |
| Average equity | $36,001,800 | 2,173 |
| Average total loans | $161,004,000 | 2,559 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7113% | 3,776 |
| Cost of funding earning assets | 0.5638% | 2,844 |
| Net interest margin | 3.1475% | 3,627 |
| Noninterest income to average assets | 0.2439% | 4,020 |
| Noninterest expense to average assets | 1.5578% | 4,762 |
| Loan and lease loss provision to assets | 0.1130% | 2,913 |
| Net operating income to assets | 1.4048% | 1,089 |
| Return on assets (ROA) | 1.5311% | 927 |
| Pretax return on assets | 1.7894% | 796 |
| Return on Equity (ROE) | 13.5107% | 973 |
| Retained earnings to average equity (ytd only) | 11.7063% | 472 |
| Net charge-offs to loans | 0.0075% | 2,853 |
| Credit loss provision to net charge-offs | 2,955.5556% | 356 |
| Earnings coverage of net charge-offs (x) | 459.7778% | 247 |
| Efficiency ratio | 47.0166% | 4,661 |
| Assets per employee ($millions) | 9.4485% | 610 |
| Cash dividends to net income (ytd only)* | 13.3555% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 51.0336% | 4,027 |
| Net loans and leases to deposits | 58.1572% | 4,154 |
| Net loans and leases to core deposits | 63.7407% | 4,020 |
| Total domestic deposits to total assets | 87.7511% | 1,321 |
| Equity capital to assets | 11.5631% | 1,953 |
| Core capital (leverage) ratio | 11.1180% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,280,000 | 2,200 |
| Average earning assets | $306,477,000 | 2,122 |
| Average equity | $35,615,250 | 2,181 |
| Average total loans | $159,489,250 | 2,572 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 3,632 |
| Cost of funding earning assets | 0.6329% | 2,798 |
| Net interest margin | 3.2633% | 3,482 |
| Noninterest income to average assets | 0.2493% | 3,979 |
| Noninterest expense to average assets | 1.5777% | 4,796 |
| Loan and lease loss provision to assets | 0.1703% | 2,303 |
| Net operating income to assets | 1.4343% | 1,046 |
| Return on assets (ROA) | 1.5906% | 847 |
| Pretax return on assets | 1.8646% | 719 |
| Return on Equity (ROE) | 14.1390% | 857 |
| Retained earnings to average equity (ytd only) | 11.3642% | 553 |
| Net charge-offs to loans | 0.0090% | 2,627 |
| Credit loss provision to net charge-offs | 3,757.1429% | 287 |
| Earnings coverage of net charge-offs (x) | 408.2857% | 248 |
| Efficiency ratio | 46.0144% | 4,723 |
| Assets per employee ($millions) | 9.2685% | 631 |
| Cash dividends to net income (ytd only)* | 19.6254% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 2,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 50.9997% | 4,100 |
| Net loans and leases to deposits | 58.0790% | 4,219 |
| Net loans and leases to core deposits | 63.3699% | 4,109 |
| Total domestic deposits to total assets | 87.8109% | 1,281 |
| Equity capital to assets | 11.3439% | 2,088 |
| Core capital (leverage) ratio | 10.9745% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,807,333 | 2,200 |
| Average earning assets | $300,859,667 | 2,124 |
| Average equity | $34,740,667 | 2,220 |
| Average total loans | $155,773,000 | 2,605 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6499% | 4,474 |
| Cost of funding earning assets | 0.7223% | 2,822 |
| Net interest margin | 2.9276% | 4,388 |
| Noninterest income to average assets | 0.2817% | 3,842 |
| Noninterest expense to average assets | 1.6026% | 4,855 |
| Loan and lease loss provision to assets | 0.0704% | 2,857 |
| Net operating income to assets | 1.2523% | 1,374 |
| Return on assets (ROA) | 1.4511% | 954 |
| Pretax return on assets | 1.6890% | 870 |
| Return on Equity (ROE) | 12.9570% | 893 |
| Retained earnings to average equity (ytd only) | 12.9570% | 328 |
| Net charge-offs to loans | 0.0187% | 1,998 |
| Credit loss provision to net charge-offs | 757.1429% | 683 |
| Earnings coverage of net charge-offs (x) | 164.2857% | 402 |
| Efficiency ratio | 51.1885% | 4,602 |
| Assets per employee ($millions) | 8.9024% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 49.9709% | 4,241 |
| Net loans and leases to deposits | 56.8165% | 4,337 |
| Net loans and leases to core deposits | 62.7091% | 4,250 |
| Total domestic deposits to total assets | 87.9514% | 1,133 |
| Equity capital to assets | 11.3211% | 2,574 |
| Core capital (leverage) ratio | 11.2852% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,013,000 | 2,202 |
| Average earning assets | $292,936,000 | 2,118 |
| Average equity | $33,711,500 | 2,262 |
| Average total loans | $150,004,000 | 2,641 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 4,498 |
| Cost of funding earning assets | 0.6947% | 3,183 |
| Net interest margin | 3.1611% | 4,266 |
| Noninterest income to average assets | 0.2908% | 3,949 |
| Noninterest expense to average assets | 1.6232% | 4,935 |
| Loan and lease loss provision to assets | 0.0522% | 2,980 |
| Net operating income to assets | 1.4463% | 1,199 |
| Return on assets (ROA) | 1.4588% | 1,223 |
| Pretax return on assets | 1.7022% | 1,181 |
| Return on Equity (ROE) | 13.9278% | 911 |
| Retained earnings to average equity (ytd only) | 7.9444% | 996 |
| Net charge-offs to loans | 0.0049% | 3,499 |
| Credit loss provision to net charge-offs | 2,200.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 733.2857% | 140 |
| Efficiency ratio | 48.2665% | 4,821 |
| Assets per employee ($millions) | 8.5527% | 584 |
| Cash dividends to net income (ytd only)* | 42.9600% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 2,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 48.5999% | 4,395 |
| Net loans and leases to deposits | 55.3610% | 4,483 |
| Net loans and leases to core deposits | 60.1785% | 4,430 |
| Total domestic deposits to total assets | 87.7873% | 1,237 |
| Equity capital to assets | 11.0762% | 2,921 |
| Core capital (leverage) ratio | 10.6816% | 2,776 |
| Tier 1 risk-based capital ratio | 22.2592% | 997 |
| Total risk-based capital ratio | 23.3575% | 989 |
| Memoranda: | ||
| Average total assets | $295,033,000 | 2,187 |
| Average earning assets | $286,735,800 | 2,104 |
| Average equity | $30,902,200 | 2,341 |
| Average total loans | $143,041,400 | 2,689 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 4,628 |
| Cost of funding earning assets | 0.6766% | 3,327 |
| Net interest margin | 3.1581% | 4,386 |
| Noninterest income to average assets | 0.2894% | 4,002 |
| Noninterest expense to average assets | 1.6016% | 5,001 |
| Loan and lease loss provision to assets | 0.0699% | 2,477 |
| Net operating income to assets | 1.4483% | 1,332 |
| Return on assets (ROA) | 1.4650% | 1,345 |
| Pretax return on assets | 1.7050% | 1,325 |
| Return on Equity (ROE) | 14.1949% | 943 |
| Retained earnings to average equity (ytd only) | 12.0767% | 375 |
| Net charge-offs to loans | 0.0066% | 3,144 |
| Credit loss provision to net charge-offs | 2,200.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 553.0407% | 180 |
| Efficiency ratio | 47.7098% | 4,868 |
| Assets per employee ($millions) | 8.7802% | 524 |
| Cash dividends to net income (ytd only)* | 14.9226% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 47.7666% | 4,518 |
| Net loans and leases to deposits | 54.0225% | 4,627 |
| Net loans and leases to core deposits | 58.1653% | 4,597 |
| Total domestic deposits to total assets | 88.4197% | 861 |
| Equity capital to assets | 10.8052% | 3,290 |
| Core capital (leverage) ratio | 10.9082% | 2,729 |
| Tier 1 risk-based capital ratio | 21.8314% | 1,093 |
| Total risk-based capital ratio | 22.8991% | 1,089 |
| Memoranda: | ||
| Average total assets | $293,955,250 | 2,209 |
| Average earning assets | $285,527,500 | 2,129 |
| Average equity | $30,338,750 | 2,382 |
| Average total loans | $142,028,000 | 2,727 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8073% | 4,706 |
| Cost of funding earning assets | 0.6514% | 3,399 |
| Net interest margin | 3.1559% | 4,447 |
| Noninterest income to average assets | 0.2853% | 4,035 |
| Noninterest expense to average assets | 1.6166% | 5,047 |
| Loan and lease loss provision to assets | 0.0905% | 2,041 |
| Net operating income to assets | 1.4128% | 1,398 |
| Return on assets (ROA) | 1.4383% | 1,375 |
| Pretax return on assets | 1.6704% | 1,333 |
| Return on Equity (ROE) | 14.1713% | 941 |
| Retained earnings to average equity (ytd only) | 10.8905% | 561 |
| Net charge-offs to loans | 0.0043% | 3,012 |
| Credit loss provision to net charge-offs | 4,366.6667% | 86 |
| Earnings coverage of net charge-offs (x) | 835.3333% | 89 |
| Efficiency ratio | 48.2872% | 4,885 |
| Assets per employee ($millions) | 8.8053% | 508 |
| Cash dividends to net income (ytd only)* | 23.1508% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 3,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 48.5716% | 4,545 |
| Net loans and leases to deposits | 54.8219% | 4,643 |
| Net loans and leases to core deposits | 58.4798% | 4,624 |
| Total domestic deposits to total assets | 88.5988% | 828 |
| Equity capital to assets | 10.5414% | 3,482 |
| Core capital (leverage) ratio | 10.9515% | 2,642 |
| Tier 1 risk-based capital ratio | 21.3385% | 1,137 |
| Total risk-based capital ratio | 22.4069% | 1,142 |
| Memoranda: | ||
| Average total assets | $289,504,670 | 2,240 |
| Average earning assets | $280,933,670 | 2,162 |
| Average equity | $29,383,330 | 2,435 |
| Average total loans | $139,902,670 | 2,767 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 4,699 |
| Cost of funding earning assets | 0.6338% | 3,387 |
| Net interest margin | 3.1732% | 4,445 |
| Noninterest income to average assets | 0.2868% | 3,958 |
| Noninterest expense to average assets | 1.6713% | 5,043 |
| Loan and lease loss provision to assets | 0.0675% | 2,322 |
| Net operating income to assets | 1.4042% | 1,367 |
| Return on assets (ROA) | 1.4042% | 1,393 |
| Pretax return on assets | 1.6235% | 1,410 |
| Return on Equity (ROE) | 14.1224% | 942 |
| Retained earnings to average equity (ytd only) | 14.1224% | 344 |
| Net charge-offs to loans | 0.0059% | 2,492 |
| Credit loss provision to net charge-offs | 2,400.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 601.5000% | 120 |
| Efficiency ratio | 49.7074% | 4,856 |
| Assets per employee ($millions) | 8.3115% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 48.7661% | 4,540 |
| Net loans and leases to deposits | 54.8802% | 4,647 |
| Net loans and leases to core deposits | 58.7452% | 4,616 |
| Total domestic deposits to total assets | 88.8591% | 932 |
| Equity capital to assets | 10.4607% | 3,379 |
| Core capital (leverage) ratio | 10.9618% | 2,608 |
| Tier 1 risk-based capital ratio | 21.7856% | 1,077 |
| Total risk-based capital ratio | 22.8402% | 1,081 |
| Memoranda: | ||
| Average total assets | $284,566,500 | 2,286 |
| Average earning assets | $275,812,000 | 2,202 |
| Average equity | $28,295,500 | 2,501 |
| Average total loans | $136,349,500 | 2,838 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6659% | 4,716 |
| Cost of funding earning assets | 0.4501% | 3,679 |
| Net interest margin | 3.2158% | 4,453 |
| Noninterest income to average assets | 0.2986% | 4,109 |
| Noninterest expense to average assets | 1.7385% | 5,053 |
| Loan and lease loss provision to assets | 0.1023% | 2,147 |
| Net operating income to assets | 1.3797% | 1,505 |
| Return on assets (ROA) | 1.3971% | 1,431 |
| Pretax return on assets | 1.5937% | 1,488 |
| Return on Equity (ROE) | 14.6387% | 911 |
| Retained earnings to average equity (ytd only) | 8.2874% | 1,125 |
| Net charge-offs to loans | 0.0108% | 3,316 |
| Credit loss provision to net charge-offs | 2,184.6154% | 206 |
| Earnings coverage of net charge-offs (x) | 358.0000% | 289 |
| Efficiency ratio | 50.9124% | 4,883 |
| Assets per employee ($millions) | 8.4277% | 569 |
| Cash dividends to net income (ytd only)* | 43.3875% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,099 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 46.0353% | 4,734 |
| Net loans and leases to deposits | 51.4121% | 4,838 |
| Net loans and leases to core deposits | 53.8832% | 4,849 |
| Total domestic deposits to total assets | 89.5419% | 641 |
| Equity capital to assets | 9.4331% | 4,184 |
| Core capital (leverage) ratio | 10.4081% | 3,132 |
| Tier 1 risk-based capital ratio | 21.2557% | 1,130 |
| Total risk-based capital ratio | 22.2903% | 1,139 |
| Memoranda: | ||
| Average total assets | $277,649,600 | 2,280 |
| Average earning assets | $269,050,200 | 2,202 |
| Average equity | $26,498,200 | 2,541 |
| Average total loans | $120,070,800 | 2,992 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 4,792 |
| Cost of funding earning assets | 0.4144% | 3,756 |
| Net interest margin | 3.1920% | 4,527 |
| Noninterest income to average assets | 0.2914% | 4,209 |
| Noninterest expense to average assets | 1.7495% | 5,089 |
| Loan and lease loss provision to assets | 0.1157% | 1,752 |
| Net operating income to assets | 1.3417% | 1,696 |
| Return on assets (ROA) | 1.3651% | 1,607 |
| Pretax return on assets | 1.5476% | 1,738 |
| Return on Equity (ROE) | 14.2609% | 1,051 |
| Retained earnings to average equity (ytd only) | 11.8284% | 505 |
| Net charge-offs to loans | 0.0103% | 3,061 |
| Credit loss provision to net charge-offs | 2,655.5556% | 158 |
| Earnings coverage of net charge-offs (x) | 375.6575% | 253 |
| Efficiency ratio | 51.6655% | 4,843 |
| Assets per employee ($millions) | 8.2395% | 588 |
| Cash dividends to net income (ytd only)* | 17.0568% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 3,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 46.2148% | 4,794 |
| Net loans and leases to deposits | 51.4855% | 4,901 |
| Net loans and leases to core deposits | 54.0062% | 4,911 |
| Total domestic deposits to total assets | 89.7628% | 578 |
| Equity capital to assets | 9.5301% | 4,046 |
| Core capital (leverage) ratio | 10.6862% | 2,896 |
| Tier 1 risk-based capital ratio | 21.6848% | 1,091 |
| Total risk-based capital ratio | 22.7072% | 1,103 |
| Memoranda: | ||
| Average total assets | $275,426,250 | 2,307 |
| Average earning assets | $267,033,500 | 2,229 |
| Average equity | $26,365,250 | 2,559 |
| Average total loans | $116,744,000 | 3,056 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5270% | 4,883 |
| Cost of funding earning assets | 0.3726% | 3,919 |
| Net interest margin | 3.1543% | 4,605 |
| Noninterest income to average assets | 0.2972% | 4,192 |
| Noninterest expense to average assets | 1.7338% | 5,160 |
| Loan and lease loss provision to assets | 0.0847% | 2,221 |
| Net operating income to assets | 1.3598% | 1,571 |
| Return on assets (ROA) | 1.3861% | 1,487 |
| Pretax return on assets | 1.5687% | 1,606 |
| Return on Equity (ROE) | 14.4586% | 967 |
| Retained earnings to average equity (ytd only) | 10.7944% | 711 |
| Net charge-offs to loans | 0.0089% | 2,816 |
| Credit loss provision to net charge-offs | 2,320.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 444.6000% | 206 |
| Efficiency ratio | 51.6424% | 4,927 |
| Assets per employee ($millions) | 8.1897% | 587 |
| Cash dividends to net income (ytd only)* | 25.3425% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,314 |
| Loan loss allowance to noncurrent loans | 130,700.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 5,075 |
| Noncurrent loans to loans | 0.0008% | 4,977 |
| Net loans and leases to total assets | 42.5335% | 4,965 |
| Net loans and leases to deposits | 47.3626% | 5,050 |
| Net loans and leases to core deposits | 49.3304% | 5,058 |
| Total domestic deposits to total assets | 89.8039% | 633 |
| Equity capital to assets | 9.4078% | 4,184 |
| Core capital (leverage) ratio | 10.6193% | 2,901 |
| Tier 1 risk-based capital ratio | 22.1891% | 1,014 |
| Total risk-based capital ratio | 23.1781% | 1,029 |
| Memoranda: | ||
| Average total assets | $273,853,670 | 2,320 |
| Average earning assets | $265,668,330 | 2,245 |
| Average equity | $26,254,330 | 2,573 |
| Average total loans | $112,027,330 | 3,141 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4950% | 4,888 |
| Cost of funding earning assets | 0.3507% | 3,984 |
| Net interest margin | 3.1443% | 4,611 |
| Noninterest income to average assets | 0.2931% | 4,203 |
| Noninterest expense to average assets | 1.7470% | 5,206 |
| Loan and lease loss provision to assets | 0.0044% | 3,451 |
| Net operating income to assets | 1.4035% | 1,331 |
| Return on assets (ROA) | 1.4553% | 1,188 |
| Pretax return on assets | 1.6512% | 1,241 |
| Return on Equity (ROE) | 15.0360% | 798 |
| Retained earnings to average equity (ytd only) | 15.0360% | 326 |
| Net charge-offs to loans | 0.0148% | 2,234 |
| Credit loss provision to net charge-offs | 75.0000% | 1,788 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 251 |
| Efficiency ratio | 52.2467% | 4,944 |
| Assets per employee ($millions) | 7.5269% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 3,425 |
| Loan loss allowance to noncurrent loans | 59,750.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,150 |
| Noncurrent loans to loans | 0.0018% | 5,023 |
| Net loans and leases to total assets | 39.8896% | 5,072 |
| Net loans and leases to deposits | 44.3977% | 5,144 |
| Net loans and leases to core deposits | 46.1142% | 5,156 |
| Total domestic deposits to total assets | 89.8460% | 721 |
| Equity capital to assets | 9.5373% | 4,058 |
| Core capital (leverage) ratio | 10.5702% | 2,868 |
| Tier 1 risk-based capital ratio | 23.3954% | 904 |
| Total risk-based capital ratio | 24.3630% | 905 |
| Memoranda: | ||
| Average total assets | $271,556,000 | 2,359 |
| Average earning assets | $263,460,500 | 2,277 |
| Average equity | $26,283,500 | 2,594 |
| Average total loans | $108,170,500 | 3,227 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4334% | 4,895 |
| Cost of funding earning assets | 0.3080% | 4,054 |
| Net interest margin | 3.1254% | 4,637 |
| Noninterest income to average assets | 0.3388% | 4,046 |
| Noninterest expense to average assets | 1.7786% | 5,256 |
| Loan and lease loss provision to assets | 0.0433% | 3,377 |
| Net operating income to assets | 1.1268% | 1,764 |
| Return on assets (ROA) | 1.1864% | 1,581 |
| Pretax return on assets | 1.6209% | 1,239 |
| Return on Equity (ROE) | 11.6927% | 1,291 |
| Retained earnings to average equity (ytd only) | 5.9501% | 1,571 |
| Net charge-offs to loans | 0.0059% | 3,872 |
| Credit loss provision to net charge-offs | 1,883.3333% | 200 |
| Earnings coverage of net charge-offs (x) | 689.0000% | 122 |
| Efficiency ratio | 52.9157% | 5,046 |
| Assets per employee ($millions) | 7.7755% | 688 |
| Cash dividends to net income (ytd only)* | 49.1126% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 3,257 |
| Loan loss allowance to noncurrent loans | 39,866.6667% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,200 |
| Noncurrent loans to loans | 0.0028% | 5,056 |
| Net loans and leases to total assets | 38.8993% | 5,180 |
| Net loans and leases to deposits | 43.6052% | 5,257 |
| Net loans and leases to core deposits | 45.3435% | 5,254 |
| Total domestic deposits to total assets | 89.2079% | 904 |
| Equity capital to assets | 9.8198% | 3,898 |
| Core capital (leverage) ratio | 10.1274% | 3,274 |
| Tier 1 risk-based capital ratio | 22.8604% | 923 |
| Total risk-based capital ratio | 23.8472% | 933 |
| Memoranda: | ||
| Average total assets | $261,216,800 | 2,407 |
| Average earning assets | $252,609,400 | 2,333 |
| Average equity | $26,503,800 | 2,577 |
| Average total loans | $102,224,400 | 3,312 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4220% | 4,938 |
| Cost of funding earning assets | 0.3010% | 4,119 |
| Net interest margin | 3.1210% | 4,651 |
| Noninterest income to average assets | 0.2868% | 4,475 |
| Noninterest expense to average assets | 1.7538% | 5,319 |
| Loan and lease loss provision to assets | 0.0588% | 2,903 |
| Net operating income to assets | 1.2278% | 1,585 |
| Return on assets (ROA) | 1.3133% | 1,325 |
| Pretax return on assets | 1.5949% | 1,444 |
| Return on Equity (ROE) | 12.8346% | 1,091 |
| Retained earnings to average equity (ytd only) | 10.8131% | 441 |
| Net charge-offs to loans | 0.0066% | 3,494 |
| Credit loss provision to net charge-offs | 2,280.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 600.4843% | 169 |
| Efficiency ratio | 53.0918% | 5,002 |
| Assets per employee ($millions) | 7.6913% | 705 |
| Cash dividends to net income (ytd only)* | 15.7501% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 3,417 |
| Loan loss allowance to noncurrent loans | 29,950.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 5,273 |
| Noncurrent loans to loans | 0.0037% | 5,136 |
| Net loans and leases to total assets | 39.4987% | 5,216 |
| Net loans and leases to deposits | 44.4503% | 5,303 |
| Net loans and leases to core deposits | 46.4426% | 5,304 |
| Total domestic deposits to total assets | 88.8605% | 947 |
| Equity capital to assets | 10.4730% | 3,402 |
| Core capital (leverage) ratio | 10.6895% | 2,779 |
| Tier 1 risk-based capital ratio | 23.6371% | 884 |
| Total risk-based capital ratio | 24.6392% | 893 |
| Memoranda: | ||
| Average total assets | $258,485,000 | 2,443 |
| Average earning assets | $249,828,750 | 2,374 |
| Average equity | $26,448,750 | 2,604 |
| Average total loans | $101,016,000 | 3,364 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3989% | 4,973 |
| Cost of funding earning assets | 0.2950% | 4,132 |
| Net interest margin | 3.1040% | 4,672 |
| Noninterest income to average assets | 0.2887% | 4,490 |
| Noninterest expense to average assets | 1.7841% | 5,331 |
| Loan and lease loss provision to assets | 0.0439% | 3,117 |
| Net operating income to assets | 1.2061% | 1,575 |
| Return on assets (ROA) | 1.3181% | 1,283 |
| Pretax return on assets | 1.5927% | 1,369 |
| Return on Equity (ROE) | 12.9894% | 1,033 |
| Retained earnings to average equity (ytd only) | 9.8889% | 611 |
| Net charge-offs to loans | 0.0101% | 3,103 |
| Credit loss provision to net charge-offs | 1,120.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 382.8000% | 221 |
| Efficiency ratio | 54.2980% | 4,995 |
| Assets per employee ($millions) | 7.4835% | 747 |
| Cash dividends to net income (ytd only)* | 23.8690% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 3,523 |
| Loan loss allowance to noncurrent loans | 19,000.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 5,310 |
| Noncurrent loans to loans | 0.0058% | 5,167 |
| Net loans and leases to total assets | 38.7437% | 5,274 |
| Net loans and leases to deposits | 43.6940% | 5,349 |
| Net loans and leases to core deposits | 45.6214% | 5,350 |
| Total domestic deposits to total assets | 88.6706% | 1,118 |
| Equity capital to assets | 10.4921% | 3,356 |
| Core capital (leverage) ratio | 10.7608% | 2,637 |
| Tier 1 risk-based capital ratio | 23.6123% | 889 |
| Total risk-based capital ratio | 24.5950% | 894 |
| Memoranda: | ||
| Average total assets | $254,914,670 | 2,484 |
| Average earning assets | $246,135,670 | 2,406 |
| Average equity | $25,867,330 | 2,641 |
| Average total loans | $98,845,670 | 3,418 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3839% | 4,963 |
| Cost of funding earning assets | 0.2932% | 4,114 |
| Net interest margin | 3.0906% | 4,679 |
| Noninterest income to average assets | 0.2912% | 4,473 |
| Noninterest expense to average assets | 1.8154% | 5,352 |
| Loan and lease loss provision to assets | 0.0048% | 3,498 |
| Net operating income to assets | 1.2064% | 1,492 |
| Return on assets (ROA) | 1.3094% | 1,246 |
| Pretax return on assets | 1.5799% | 1,288 |
| Return on Equity (ROE) | 13.1362% | 970 |
| Retained earnings to average equity (ytd only) | 13.1362% | 367 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4153% | 5,001 |
| Assets per employee ($millions) | 7.1937% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 3,614 |
| Loan loss allowance to noncurrent loans | 15,600.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 5,368 |
| Noncurrent loans to loans | 0.0072% | 5,227 |
| Net loans and leases to total assets | 38.4166% | 5,307 |
| Net loans and leases to deposits | 43.1608% | 5,386 |
| Net loans and leases to core deposits | 44.4080% | 5,403 |
| Total domestic deposits to total assets | 89.0082% | 1,135 |
| Equity capital to assets | 10.2741% | 3,438 |
| Core capital (leverage) ratio | 10.7467% | 2,642 |
| Tier 1 risk-based capital ratio | 23.8985% | 882 |
| Total risk-based capital ratio | 24.8676% | 888 |
| Memoranda: | ||
| Average total assets | $251,411,500 | 2,532 |
| Average earning assets | $242,798,000 | 2,452 |
| Average equity | $25,060,500 | 2,708 |
| Average total loans | $96,959,500 | 3,465 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3926% | 4,998 |
| Cost of funding earning assets | 0.2915% | 4,158 |
| Net interest margin | 3.1011% | 4,722 |
| Noninterest income to average assets | 0.3151% | 4,479 |
| Noninterest expense to average assets | 1.8419% | 5,435 |
| Loan and lease loss provision to assets | 0.0359% | 3,649 |
| Net operating income to assets | 1.1981% | 1,522 |
| Return on assets (ROA) | 1.2807% | 1,332 |
| Pretax return on assets | 1.5456% | 1,447 |
| Return on Equity (ROE) | 12.0002% | 1,249 |
| Retained earnings to average equity (ytd only) | 6.3596% | 1,522 |
| Net charge-offs to loans | 0.0075% | 4,008 |
| Credit loss provision to net charge-offs | 1,257.1429% | 313 |
| Earnings coverage of net charge-offs (x) | 518.7143% | 159 |
| Efficiency ratio | 55.4150% | 5,116 |
| Assets per employee ($millions) | 7.3836% | 764 |
| Cash dividends to net income (ytd only)* | 47.0045% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 3,529 |
| Loan loss allowance to noncurrent loans | 12,100.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,424 |
| Noncurrent loans to loans | 0.0094% | 5,259 |
| Net loans and leases to total assets | 37.8472% | 5,407 |
| Net loans and leases to deposits | 42.3910% | 5,481 |
| Net loans and leases to core deposits | 43.4425% | 5,505 |
| Total domestic deposits to total assets | 89.2812% | 965 |
| Equity capital to assets | 9.6609% | 4,103 |
| Core capital (leverage) ratio | 10.5344% | 2,848 |
| Tier 1 risk-based capital ratio | 23.2806% | 940 |
| Total risk-based capital ratio | 24.2516% | 952 |
| Memoranda: | ||
| Average total assets | $245,016,800 | 2,549 |
| Average earning assets | $237,721,400 | 2,456 |
| Average equity | $26,149,600 | 2,623 |
| Average total loans | $93,818,600 | 3,499 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3988% | 5,028 |
| Cost of funding earning assets | 0.2913% | 4,197 |
| Net interest margin | 3.1075% | 4,754 |
| Noninterest income to average assets | 0.3181% | 4,494 |
| Noninterest expense to average assets | 1.8359% | 5,473 |
| Loan and lease loss provision to assets | 0.0460% | 3,320 |
| Net operating income to assets | 1.2037% | 1,635 |
| Return on assets (ROA) | 1.3146% | 1,331 |
| Pretax return on assets | 1.5895% | 1,412 |
| Return on Equity (ROE) | 12.0240% | 1,314 |
| Retained earnings to average equity (ytd only) | 10.0159% | 575 |
| Net charge-offs to loans | 0.0043% | 3,771 |
| Credit loss provision to net charge-offs | 2,800.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 914.3100% | 95 |
| Efficiency ratio | 55.0033% | 5,158 |
| Assets per employee ($millions) | 7.2600% | 799 |
| Cash dividends to net income (ytd only)* | 16.7013% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 3,718 |
| Loan loss allowance to noncurrent loans | 7,778.5714% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,514 |
| Noncurrent loans to loans | 0.0144% | 5,343 |
| Net loans and leases to total assets | 38.8665% | 5,435 |
| Net loans and leases to deposits | 44.2798% | 5,505 |
| Net loans and leases to core deposits | 45.3185% | 5,540 |
| Total domestic deposits to total assets | 87.7747% | 1,516 |
| Equity capital to assets | 11.3965% | 2,605 |
| Core capital (leverage) ratio | 10.8618% | 2,612 |
| Tier 1 risk-based capital ratio | 23.8907% | 915 |
| Total risk-based capital ratio | 24.8746% | 922 |
| Memoranda: | ||
| Average total assets | $243,510,000 | 2,567 |
| Average earning assets | $236,628,750 | 2,471 |
| Average equity | $26,623,750 | 2,612 |
| Average total loans | $93,247,750 | 3,528 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3995% | 5,083 |
| Cost of funding earning assets | 0.2921% | 4,223 |
| Net interest margin | 3.1074% | 4,810 |
| Noninterest income to average assets | 0.3119% | 4,544 |
| Noninterest expense to average assets | 1.8325% | 5,552 |
| Loan and lease loss provision to assets | 0.0503% | 3,142 |
| Net operating income to assets | 1.1940% | 1,626 |
| Return on assets (ROA) | 1.3317% | 1,286 |
| Pretax return on assets | 1.6139% | 1,330 |
| Return on Equity (ROE) | 12.3577% | 1,198 |
| Retained earnings to average equity (ytd only) | 9.2874% | 776 |
| Net charge-offs to loans | -0.0087% | 4,666 |
| Credit loss provision to net charge-offs | -1,525.0000% | 5,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0161% | 5,238 |
| Assets per employee ($millions) | 7.3864% | 736 |
| Cash dividends to net income (ytd only)* | 24.8451% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 3,775 |
| Loan loss allowance to noncurrent loans | 8,253.8462% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,617 |
| Noncurrent loans to loans | 0.0137% | 5,433 |
| Net loans and leases to total assets | 38.4611% | 5,494 |
| Net loans and leases to deposits | 43.7303% | 5,576 |
| Net loans and leases to core deposits | 44.7133% | 5,607 |
| Total domestic deposits to total assets | 87.9508% | 1,459 |
| Equity capital to assets | 11.1389% | 2,910 |
| Core capital (leverage) ratio | 10.6781% | 2,755 |
| Tier 1 risk-based capital ratio | 23.7006% | 933 |
| Total risk-based capital ratio | 24.6919% | 948 |
| Memoranda: | ||
| Average total assets | $242,400,000 | 2,587 |
| Average earning assets | $235,505,330 | 2,490 |
| Average equity | $26,121,330 | 2,657 |
| Average total loans | $91,988,000 | 3,569 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4160% | 5,086 |
| Cost of funding earning assets | 0.2929% | 4,249 |
| Net interest margin | 3.1231% | 4,804 |
| Noninterest income to average assets | 0.3128% | 4,496 |
| Noninterest expense to average assets | 1.8484% | 5,596 |
| Loan and lease loss provision to assets | 0.0381% | 3,148 |
| Net operating income to assets | 1.2056% | 1,534 |
| Return on assets (ROA) | 1.3718% | 1,155 |
| Pretax return on assets | 1.6614% | 1,151 |
| Return on Equity (ROE) | 12.9498% | 1,048 |
| Retained earnings to average equity (ytd only) | 12.9498% | 396 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2150% | 5,266 |
| Assets per employee ($millions) | 7.2217% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 3,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 37.8554% | 5,562 |
| Net loans and leases to deposits | 42.9235% | 5,627 |
| Net loans and leases to core deposits | 43.8420% | 5,660 |
| Total domestic deposits to total assets | 88.1925% | 1,533 |
| Equity capital to assets | 11.0895% | 2,838 |
| Core capital (leverage) ratio | 10.5793% | 2,877 |
| Tier 1 risk-based capital ratio | 23.9158% | 922 |
| Total risk-based capital ratio | 24.8906% | 946 |
| Memoranda: | ||
| Average total assets | $241,725,000 | 2,608 |
| Average earning assets | $234,891,500 | 2,507 |
| Average equity | $25,606,500 | 2,698 |
| Average total loans | $90,571,000 | 3,611 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3488% | 5,260 |
| Cost of funding earning assets | 0.2965% | 4,288 |
| Net interest margin | 3.0522% | 5,021 |
| Noninterest income to average assets | 0.3382% | 4,490 |
| Noninterest expense to average assets | 1.8180% | 5,715 |
| Loan and lease loss provision to assets | 0.0560% | 3,190 |
| Net operating income to assets | 1.1830% | 1,610 |
| Return on assets (ROA) | 1.2425% | 1,464 |
| Pretax return on assets | 1.4929% | 1,579 |
| Return on Equity (ROE) | 12.0054% | 1,298 |
| Retained earnings to average equity (ytd only) | 6.4209% | 1,587 |
| Net charge-offs to loans | 0.0108% | 4,093 |
| Credit loss provision to net charge-offs | 1,466.6667% | 237 |
| Earnings coverage of net charge-offs (x) | 386.7778% | 174 |
| Efficiency ratio | 55.1706% | 5,425 |
| Assets per employee ($millions) | 7.4283% | 728 |
| Cash dividends to net income (ytd only)* | 46.5164% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,918 |
| Loan loss allowance to noncurrent loans | 33,600.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,735 |
| Noncurrent loans to loans | 0.0033% | 5,546 |
| Net loans and leases to total assets | 36.2608% | 5,700 |
| Net loans and leases to deposits | 40.7900% | 5,745 |
| Net loans and leases to core deposits | 41.6306% | 5,771 |
| Total domestic deposits to total assets | 88.8963% | 1,175 |
| Equity capital to assets | 10.1108% | 3,850 |
| Core capital (leverage) ratio | 10.1442% | 3,326 |
| Tier 1 risk-based capital ratio | 22.8793% | 1,029 |
| Total risk-based capital ratio | 23.8154% | 1,054 |
| Memoranda: | ||
| Average total assets | $235,644,600 | 2,615 |
| Average earning assets | $228,292,800 | 2,524 |
| Average equity | $24,389,000 | 2,746 |
| Average total loans | $83,360,800 | 3,735 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3397% | 5,345 |
| Cost of funding earning assets | 0.2957% | 4,387 |
| Net interest margin | 3.0440% | 5,092 |
| Noninterest income to average assets | 0.3395% | 4,510 |
| Noninterest expense to average assets | 1.8079% | 5,765 |
| Loan and lease loss provision to assets | 0.0423% | 3,364 |
| Net operating income to assets | 1.1904% | 1,681 |
| Return on assets (ROA) | 1.2706% | 1,482 |
| Pretax return on assets | 1.5335% | 1,588 |
| Return on Equity (ROE) | 12.2023% | 1,317 |
| Retained earnings to average equity (ytd only) | 10.0011% | 634 |
| Net charge-offs to loans | 0.0082% | 3,883 |
| Credit loss provision to net charge-offs | 1,480.0000% | 247 |
| Earnings coverage of net charge-offs (x) | 517.3283% | 135 |
| Efficiency ratio | 54.9991% | 5,444 |
| Assets per employee ($millions) | 7.2534% | 775 |
| Cash dividends to net income (ytd only)* | 18.0386% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 4,146 |
| Loan loss allowance to noncurrent loans | 1,490.6250% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 5,687 |
| Noncurrent loans to loans | 0.0747% | 5,328 |
| Net loans and leases to total assets | 35.3849% | 5,800 |
| Net loans and leases to deposits | 39.9227% | 5,867 |
| Net loans and leases to core deposits | 40.3789% | 5,908 |
| Total domestic deposits to total assets | 88.6335% | 1,218 |
| Equity capital to assets | 10.5961% | 3,484 |
| Core capital (leverage) ratio | 10.6185% | 2,906 |
| Tier 1 risk-based capital ratio | 23.9646% | 951 |
| Total risk-based capital ratio | 24.8773% | 973 |
| Memoranda: | ||
| Average total assets | $233,272,000 | 2,658 |
| Average earning assets | $225,884,500 | 2,562 |
| Average equity | $24,290,000 | 2,775 |
| Average total loans | $81,727,000 | 3,812 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3299% | 5,383 |
| Cost of funding earning assets | 0.2984% | 4,413 |
| Net interest margin | 3.0315% | 5,147 |
| Noninterest income to average assets | 0.3330% | 4,575 |
| Noninterest expense to average assets | 1.8197% | 5,823 |
| Loan and lease loss provision to assets | 0.0311% | 3,504 |
| Net operating income to assets | 1.1545% | 1,763 |
| Return on assets (ROA) | 1.2602% | 1,482 |
| Pretax return on assets | 1.5456% | 1,505 |
| Return on Equity (ROE) | 12.1760% | 1,322 |
| Retained earnings to average equity (ytd only) | 8.8249% | 981 |
| Net charge-offs to loans | 0.0025% | 3,815 |
| Credit loss provision to net charge-offs | 3,600.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 1,674.0000% | 33 |
| Efficiency ratio | 55.6908% | 5,456 |
| Assets per employee ($millions) | 7.1157% | 796 |
| Cash dividends to net income (ytd only)* | 27.5223% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 4,237 |
| Loan loss allowance to noncurrent loans | 10,222.2222% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 5,898 |
| Noncurrent loans to loans | 0.0109% | 5,722 |
| Net loans and leases to total assets | 34.6697% | 5,879 |
| Net loans and leases to deposits | 38.9892% | 5,939 |
| Net loans and leases to core deposits | 39.8763% | 5,958 |
| Total domestic deposits to total assets | 88.9213% | 1,176 |
| Equity capital to assets | 10.1951% | 3,809 |
| Core capital (leverage) ratio | 10.4739% | 2,996 |
| Tier 1 risk-based capital ratio | 23.2571% | 1,043 |
| Total risk-based capital ratio | 24.1489% | 1,070 |
| Memoranda: | ||
| Average total assets | $231,242,000 | 2,692 |
| Average earning assets | $223,852,000 | 2,595 |
| Average equity | $23,932,330 | 2,817 |
| Average total loans | $80,418,670 | 3,860 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3271% | 5,381 |
| Cost of funding earning assets | 0.3028% | 4,411 |
| Net interest margin | 3.0243% | 5,140 |
| Noninterest income to average assets | 0.3260% | 4,577 |
| Noninterest expense to average assets | 1.8601% | 5,812 |
| Loan and lease loss provision to assets | 0.0314% | 3,264 |
| Net operating income to assets | 1.1264% | 1,767 |
| Return on assets (ROA) | 1.2639% | 1,456 |
| Pretax return on assets | 1.5254% | 1,478 |
| Return on Equity (ROE) | 12.1194% | 1,313 |
| Retained earnings to average equity (ytd only) | 12.1194% | 553 |
| Net charge-offs to loans | -0.0050% | 4,494 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2118% | 5,419 |
| Assets per employee ($millions) | 7.0078% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 4,371 |
| Loan loss allowance to noncurrent loans | 9,040.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 5,953 |
| Noncurrent loans to loans | 0.0125% | 5,751 |
| Net loans and leases to total assets | 34.1877% | 5,917 |
| Net loans and leases to deposits | 38.5353% | 5,967 |
| Net loans and leases to core deposits | 39.4857% | 5,991 |
| Total domestic deposits to total assets | 88.7177% | 1,443 |
| Equity capital to assets | 10.5757% | 3,455 |
| Core capital (leverage) ratio | 10.2956% | 3,218 |
| Tier 1 risk-based capital ratio | 23.3829% | 1,065 |
| Total risk-based capital ratio | 24.2763% | 1,083 |
| Memoranda: | ||
| Average total assets | $229,453,500 | 2,728 |
| Average earning assets | $221,938,000 | 2,622 |
| Average equity | $23,928,500 | 2,835 |
| Average total loans | $79,462,500 | 3,912 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4170% | 5,499 |
| Cost of funding earning assets | 0.3184% | 4,602 |
| Net interest margin | 3.0985% | 5,208 |
| Noninterest income to average assets | 0.3699% | 4,431 |
| Noninterest expense to average assets | 1.9601% | 5,841 |
| Loan and lease loss provision to assets | 0.0408% | 3,760 |
| Net operating income to assets | 1.1290% | 1,872 |
| Return on assets (ROA) | 1.2633% | 1,449 |
| Pretax return on assets | 1.5150% | 1,490 |
| Return on Equity (ROE) | 12.2959% | 1,325 |
| Retained earnings to average equity (ytd only) | 6.2193% | 1,795 |
| Net charge-offs to loans | 0.0526% | 3,776 |
| Credit loss provision to net charge-offs | 222.5000% | 1,127 |
| Earnings coverage of net charge-offs (x) | 76.0250% | 663 |
| Efficiency ratio | 58.4393% | 5,416 |
| Assets per employee ($millions) | 6.8985% | 890 |
| Cash dividends to net income (ytd only)* | 49.4194% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 4,441 |
| Loan loss allowance to noncurrent loans | 8,045.4545% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 6,071 |
| Noncurrent loans to loans | 0.0139% | 5,853 |
| Net loans and leases to total assets | 34.2959% | 6,025 |
| Net loans and leases to deposits | 38.6864% | 6,072 |
| Net loans and leases to core deposits | 39.6938% | 6,100 |
| Total domestic deposits to total assets | 88.6510% | 1,443 |
| Equity capital to assets | 10.2789% | 3,754 |
| Core capital (leverage) ratio | 10.1158% | 3,414 |
| Tier 1 risk-based capital ratio | 23.6438% | 990 |
| Total risk-based capital ratio | 24.5562% | 1,010 |
| Memoranda: | ||
| Average total assets | $218,156,200 | 2,801 |
| Average earning assets | $210,098,800 | 2,707 |
| Average equity | $22,414,000 | 2,907 |
| Average total loans | $75,982,600 | 3,993 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4230% | 5,551 |
| Cost of funding earning assets | 0.3198% | 4,673 |
| Net interest margin | 3.1033% | 5,248 |
| Noninterest income to average assets | 0.3646% | 4,513 |
| Noninterest expense to average assets | 1.9742% | 5,810 |
| Loan and lease loss provision to assets | 0.0488% | 3,401 |
| Net operating income to assets | 1.1061% | 2,000 |
| Return on assets (ROA) | 1.2753% | 1,507 |
| Pretax return on assets | 1.5318% | 1,535 |
| Return on Equity (ROE) | 12.4143% | 1,365 |
| Retained earnings to average equity (ytd only) | 10.0024% | 709 |
| Net charge-offs to loans | 0.0461% | 3,571 |
| Credit loss provision to net charge-offs | 303.8462% | 900 |
| Earnings coverage of net charge-offs (x) | 85.6819% | 658 |
| Efficiency ratio | 58.9157% | 5,319 |
| Assets per employee ($millions) | 6.6799% | 925 |
| Cash dividends to net income (ytd only)* | 19.4282% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 4,540 |
| Loan loss allowance to noncurrent loans | 6,350.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 6,177 |
| Noncurrent loans to loans | 0.0180% | 5,961 |
| Net loans and leases to total assets | 34.8621% | 6,077 |
| Net loans and leases to deposits | 39.3049% | 6,139 |
| Net loans and leases to core deposits | 40.3619% | 6,169 |
| Total domestic deposits to total assets | 88.6965% | 1,403 |
| Equity capital to assets | 10.5091% | 3,541 |
| Core capital (leverage) ratio | 10.6540% | 2,857 |
| Tier 1 risk-based capital ratio | 24.1729% | 968 |
| Total risk-based capital ratio | 25.0990% | 986 |
| Memoranda: | ||
| Average total assets | $215,782,500 | 2,846 |
| Average earning assets | $207,647,750 | 2,747 |
| Average equity | $22,167,500 | 2,940 |
| Average total loans | $75,238,250 | 4,053 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4175% | 5,589 |
| Cost of funding earning assets | 0.3223% | 4,735 |
| Net interest margin | 3.0951% | 5,267 |
| Noninterest income to average assets | 0.3566% | 4,566 |
| Noninterest expense to average assets | 1.9773% | 5,865 |
| Loan and lease loss provision to assets | 0.0476% | 3,357 |
| Net operating income to assets | 1.0867% | 1,985 |
| Return on assets (ROA) | 1.2921% | 1,386 |
| Pretax return on assets | 1.5553% | 1,379 |
| Return on Equity (ROE) | 12.6771% | 1,267 |
| Retained earnings to average equity (ytd only) | 9.0040% | 984 |
| Net charge-offs to loans | 0.0161% | 3,903 |
| Credit loss provision to net charge-offs | 850.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 242.0000% | 278 |
| Efficiency ratio | 59.3277% | 5,383 |
| Assets per employee ($millions) | 6.8991% | 840 |
| Cash dividends to net income (ytd only)* | 28.9740% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 4,637 |
| Loan loss allowance to noncurrent loans | 2,097.6190% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 6,178 |
| Noncurrent loans to loans | 0.0551% | 5,874 |
| Net loans and leases to total assets | 33.0887% | 6,197 |
| Net loans and leases to deposits | 37.1477% | 6,259 |
| Net loans and leases to core deposits | 37.8229% | 6,283 |
| Total domestic deposits to total assets | 89.0732% | 1,314 |
| Equity capital to assets | 10.0470% | 4,041 |
| Core capital (leverage) ratio | 10.3688% | 3,117 |
| Tier 1 risk-based capital ratio | 23.5265% | 1,043 |
| Total risk-based capital ratio | 24.4467% | 1,066 |
| Memoranda: | ||
| Average total assets | $214,231,000 | 2,875 |
| Average earning assets | $206,000,670 | 2,775 |
| Average equity | $21,834,670 | 2,968 |
| Average total loans | $74,405,000 | 4,092 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5034% | 5,410 |
| Cost of funding earning assets | 0.3296% | 4,739 |
| Net interest margin | 3.1738% | 5,006 |
| Noninterest income to average assets | 0.3836% | 4,324 |
| Noninterest expense to average assets | 2.0355% | 5,811 |
| Loan and lease loss provision to assets | 0.0443% | 3,213 |
| Net operating income to assets | 1.1221% | 1,726 |
| Return on assets (ROA) | 1.3493% | 1,145 |
| Pretax return on assets | 1.6211% | 1,132 |
| Return on Equity (ROE) | 13.1363% | 1,129 |
| Retained earnings to average equity (ytd only) | 13.1363% | 470 |
| Net charge-offs to loans | 0.0109% | 3,405 |
| Credit loss provision to net charge-offs | 1,150.0000% | 282 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 131 |
| Efficiency ratio | 59.3926% | 5,492 |
| Assets per employee ($millions) | 6.3392% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 4,880 |
| Loan loss allowance to noncurrent loans | 4,080.9524% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.4164% | 4,891 |
| Noncurrent loans to loans | 0.0282% | 6,072 |
| Net loans and leases to total assets | 35.2402% | 6,109 |
| Net loans and leases to deposits | 39.7631% | 6,175 |
| Net loans and leases to core deposits | 40.9292% | 6,202 |
| Total domestic deposits to total assets | 88.6253% | 1,878 |
| Equity capital to assets | 10.5725% | 3,174 |
| Core capital (leverage) ratio | 10.8246% | 2,565 |
| Tier 1 risk-based capital ratio | 24.0936% | 991 |
| Total risk-based capital ratio | 25.0219% | 1,020 |
| Memoranda: | ||
| Average total assets | $207,511,500 | 2,963 |
| Average earning assets | $199,004,500 | 2,859 |
| Average equity | $21,315,000 | 3,014 |
| Average total loans | $73,500,500 | 4,147 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 5,448 |
| Cost of funding earning assets | 0.3496% | 5,140 |
| Net interest margin | 3.2345% | 4,876 |
| Noninterest income to average assets | 0.4184% | 4,309 |
| Noninterest expense to average assets | 2.0808% | 5,870 |
| Loan and lease loss provision to assets | 0.0124% | 4,873 |
| Net operating income to assets | 1.1930% | 1,595 |
| Return on assets (ROA) | 1.3728% | 1,123 |
| Pretax return on assets | 1.6414% | 1,071 |
| Return on Equity (ROE) | 12.8542% | 1,196 |
| Retained earnings to average equity (ytd only) | 6.8814% | 1,484 |
| Net charge-offs to loans | -0.0029% | 5,877 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1012% | 5,590 |
| Assets per employee ($millions) | 5.8809% | 1,352 |
| Cash dividends to net income (ytd only)* | 46.4661% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 4,890 |
| Loan loss allowance to noncurrent loans | 3,344.0000% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 4,978 |
| Noncurrent loans to loans | 0.0345% | 6,149 |
| Net loans and leases to total assets | 34.7802% | 6,255 |
| Net loans and leases to deposits | 39.1332% | 6,332 |
| Net loans and leases to core deposits | 40.2929% | 6,353 |
| Total domestic deposits to total assets | 88.8763% | 1,710 |
| Equity capital to assets | 9.9660% | 3,821 |
| Core capital (leverage) ratio | 10.5783% | 2,809 |
| Tier 1 risk-based capital ratio | 23.6733% | 991 |
| Total risk-based capital ratio | 24.5920% | 1,021 |
| Memoranda: | ||
| Average total assets | $200,982,600 | 3,025 |
| Average earning assets | $192,764,200 | 2,918 |
| Average equity | $21,463,800 | 2,987 |
| Average total loans | $69,772,000 | 4,272 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 5,492 |
| Cost of funding earning assets | 0.3529% | 5,268 |
| Net interest margin | 3.2290% | 4,903 |
| Noninterest income to average assets | 0.4178% | 4,386 |
| Noninterest expense to average assets | 2.0656% | 5,895 |
| Loan and lease loss provision to assets | 0.0200% | 4,602 |
| Net operating income to assets | 1.1807% | 1,696 |
| Return on assets (ROA) | 1.4189% | 1,111 |
| Pretax return on assets | 1.7153% | 1,066 |
| Return on Equity (ROE) | 13.0618% | 1,220 |
| Retained earnings to average equity (ytd only) | 10.5981% | 667 |
| Net charge-offs to loans | -0.0077% | 5,842 |
| Credit loss provision to net charge-offs | -750.0000% | 6,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7844% | 5,587 |
| Assets per employee ($millions) | 5.8816% | 1,320 |
| Cash dividends to net income (ytd only)* | 18.8616% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 5,182 |
| Loan loss allowance to noncurrent loans | 2,341.6667% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 5,060 |
| Noncurrent loans to loans | 0.0485% | 6,200 |
| Net loans and leases to total assets | 36.7055% | 6,243 |
| Net loans and leases to deposits | 41.7566% | 6,320 |
| Net loans and leases to core deposits | 42.9824% | 6,351 |
| Total domestic deposits to total assets | 87.9034% | 2,192 |
| Equity capital to assets | 10.4489% | 3,344 |
| Core capital (leverage) ratio | 10.7316% | 2,751 |
| Tier 1 risk-based capital ratio | 23.7749% | 1,035 |
| Total risk-based capital ratio | 24.6948% | 1,059 |
| Memoranda: | ||
| Average total assets | $199,770,750 | 3,058 |
| Average earning assets | $191,552,750 | 2,955 |
| Average equity | $21,701,500 | 2,993 |
| Average total loans | $69,109,000 | 4,335 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5367% | 5,614 |
| Cost of funding earning assets | 0.3541% | 5,359 |
| Net interest margin | 3.1826% | 5,000 |
| Noninterest income to average assets | 0.4126% | 4,427 |
| Noninterest expense to average assets | 2.0851% | 5,896 |
| Loan and lease loss provision to assets | 0.0110% | 4,653 |
| Net operating income to assets | 1.1339% | 1,800 |
| Return on assets (ROA) | 1.4281% | 1,110 |
| Pretax return on assets | 1.7226% | 1,063 |
| Return on Equity (ROE) | 12.9811% | 1,248 |
| Retained earnings to average equity (ytd only) | 9.3399% | 1,014 |
| Net charge-offs to loans | -0.0208% | 5,982 |
| Credit loss provision to net charge-offs | -157.1429% | 5,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1908% | 5,459 |
| Assets per employee ($millions) | 6.1659% | 1,092 |
| Cash dividends to net income (ytd only)* | 28.0505% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 5,169 |
| Loan loss allowance to noncurrent loans | 2,584.3750% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.4610% | 5,121 |
| Noncurrent loans to loans | 0.0451% | 6,257 |
| Net loans and leases to total assets | 34.4511% | 6,391 |
| Net loans and leases to deposits | 40.8471% | 6,373 |
| Net loans and leases to core deposits | 42.0884% | 6,402 |
| Total domestic deposits to total assets | 84.3415% | 4,179 |
| Equity capital to assets | 10.2367% | 3,611 |
| Core capital (leverage) ratio | 10.4425% | 2,946 |
| Tier 1 risk-based capital ratio | 23.6377% | 1,043 |
| Total risk-based capital ratio | 24.5646% | 1,069 |
| Memoranda: | ||
| Average total assets | $199,703,330 | 3,075 |
| Average earning assets | $191,477,670 | 2,969 |
| Average equity | $21,970,330 | 2,991 |
| Average total loans | $67,397,330 | 4,406 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5173% | 5,664 |
| Cost of funding earning assets | 0.3627% | 5,430 |
| Net interest margin | 3.1546% | 5,076 |
| Noninterest income to average assets | 0.3983% | 4,467 |
| Noninterest expense to average assets | 2.1211% | 5,865 |
| Loan and lease loss provision to assets | 0.0121% | 4,300 |
| Net operating income to assets | 1.0514% | 2,030 |
| Return on assets (ROA) | 1.5024% | 929 |
| Pretax return on assets | 1.8401% | 818 |
| Return on Equity (ROE) | 13.1849% | 1,119 |
| Retained earnings to average equity (ytd only) | 13.1849% | 530 |
| Net charge-offs to loans | -0.0549% | 6,171 |
| Credit loss provision to net charge-offs | -66.6667% | 5,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9610% | 5,308 |
| Assets per employee ($millions) | 5.3524% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 5,025 |
| Loan loss allowance to noncurrent loans | 992.7711% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.4853% | 5,167 |
| Noncurrent loans to loans | 0.1244% | 6,097 |
| Net loans and leases to total assets | 33.2817% | 6,450 |
| Net loans and leases to deposits | 38.0261% | 6,505 |
| Net loans and leases to core deposits | 39.1873% | 6,515 |
| Total domestic deposits to total assets | 87.5232% | 2,618 |
| Equity capital to assets | 11.4558% | 2,453 |
| Core capital (leverage) ratio | 10.6813% | 2,565 |
| Tier 1 risk-based capital ratio | 24.3351% | 978 |
| Total risk-based capital ratio | 25.2988% | 987 |
| Memoranda: | ||
| Average total assets | $197,818,000 | 3,120 |
| Average earning assets | $189,691,000 | 3,015 |
| Average equity | $22,541,000 | 2,978 |
| Average total loans | $65,633,000 | 4,504 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7157% | 6,019 |
| Cost of funding earning assets | 0.4556% | 5,539 |
| Net interest margin | 3.2601% | 5,395 |
| Noninterest income to average assets | 0.4695% | 4,102 |
| Noninterest expense to average assets | 2.3645% | 5,516 |
| Loan and lease loss provision to assets | 0.0759% | 4,775 |
| Net operating income to assets | 0.9588% | 2,508 |
| Return on assets (ROA) | 1.2966% | 1,462 |
| Pretax return on assets | 1.5518% | 1,513 |
| Return on Equity (ROE) | 11.0065% | 1,804 |
| Retained earnings to average equity (ytd only) | 4.5125% | 3,052 |
| Net charge-offs to loans | 0.0408% | 5,348 |
| Credit loss provision to net charge-offs | 595.8333% | 413 |
| Earnings coverage of net charge-offs (x) | 96.2500% | 403 |
| Efficiency ratio | 65.8638% | 4,528 |
| Assets per employee ($millions) | 5.3404% | 1,850 |
| Cash dividends to net income (ytd only)* | 59.0016% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 4,855 |
| Loan loss allowance to noncurrent loans | 2,609.6774% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 5,328 |
| Noncurrent loans to loans | 0.0480% | 6,382 |
| Net loans and leases to total assets | 32.2486% | 6,615 |
| Net loans and leases to deposits | 36.8233% | 6,663 |
| Net loans and leases to core deposits | 37.9469% | 6,676 |
| Total domestic deposits to total assets | 87.5767% | 2,494 |
| Equity capital to assets | 11.3337% | 2,600 |
| Core capital (leverage) ratio | 10.4594% | 2,816 |
| Tier 1 risk-based capital ratio | 23.9799% | 976 |
| Total risk-based capital ratio | 24.9468% | 985 |
| Memoranda: | ||
| Average total assets | $188,494,800 | 3,194 |
| Average earning assets | $180,423,800 | 3,083 |
| Average equity | $22,205,000 | 2,946 |
| Average total loans | $58,790,000 | 4,759 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 6,119 |
| Cost of funding earning assets | 0.4762% | 5,589 |
| Net interest margin | 3.2783% | 5,461 |
| Noninterest income to average assets | 0.4819% | 4,047 |
| Noninterest expense to average assets | 2.3327% | 5,594 |
| Loan and lease loss provision to assets | 0.0759% | 4,698 |
| Net operating income to assets | 0.9895% | 2,561 |
| Return on assets (ROA) | 1.3876% | 1,377 |
| Pretax return on assets | 1.6983% | 1,273 |
| Return on Equity (ROE) | 11.6617% | 1,745 |
| Retained earnings to average equity (ytd only) | 9.2487% | 1,142 |
| Net charge-offs to loans | 0.0186% | 5,409 |
| Credit loss provision to net charge-offs | 1,325.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 224.9241% | 198 |
| Efficiency ratio | 64.4128% | 4,737 |
| Assets per employee ($millions) | 5.1642% | 1,976 |
| Cash dividends to net income (ytd only)* | 20.6913% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 4,813 |
| Loan loss allowance to noncurrent loans | 4,635.2941% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 5,558 |
| Noncurrent loans to loans | 0.0281% | 6,556 |
| Net loans and leases to total assets | 31.2813% | 6,768 |
| Net loans and leases to deposits | 36.1915% | 6,811 |
| Net loans and leases to core deposits | 37.4489% | 6,823 |
| Total domestic deposits to total assets | 86.4326% | 3,027 |
| Equity capital to assets | 12.2093% | 2,107 |
| Core capital (leverage) ratio | 11.0821% | 2,312 |
| Tier 1 risk-based capital ratio | 25.6433% | 856 |
| Total risk-based capital ratio | 26.6243% | 865 |
| Memoranda: | ||
| Average total assets | $186,219,500 | 3,256 |
| Average earning assets | $178,342,250 | 3,153 |
| Average equity | $22,157,500 | 2,980 |
| Average total loans | $57,354,750 | 4,872 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 6,200 |
| Cost of funding earning assets | 0.4964% | 5,649 |
| Net interest margin | 3.2789% | 5,504 |
| Noninterest income to average assets | 0.5038% | 3,899 |
| Noninterest expense to average assets | 2.3326% | 5,655 |
| Loan and lease loss provision to assets | 0.0607% | 4,893 |
| Net operating income to assets | 1.0096% | 2,425 |
| Return on assets (ROA) | 1.3879% | 1,360 |
| Pretax return on assets | 1.7118% | 1,225 |
| Return on Equity (ROE) | 11.7701% | 1,743 |
| Retained earnings to average equity (ytd only) | 8.0856% | 1,606 |
| Net charge-offs to loans | 0.0213% | 5,102 |
| Credit loss provision to net charge-offs | 933.3333% | 352 |
| Earnings coverage of net charge-offs (x) | 200.8333% | 223 |
| Efficiency ratio | 64.1155% | 4,883 |
| Assets per employee ($millions) | 5.2413% | 1,875 |
| Cash dividends to net income (ytd only)* | 31.3037% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 5,084 |
| Loan loss allowance to noncurrent loans | 3,894.7368% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.8443% | 4,698 |
| Noncurrent loans to loans | 0.0323% | 6,606 |
| Net loans and leases to total assets | 30.7449% | 6,853 |
| Net loans and leases to deposits | 35.4755% | 6,888 |
| Net loans and leases to core deposits | 36.8945% | 6,893 |
| Total domestic deposits to total assets | 86.6651% | 2,974 |
| Equity capital to assets | 11.8669% | 2,252 |
| Core capital (leverage) ratio | 10.7900% | 2,490 |
| Tier 1 risk-based capital ratio | 25.1742% | 885 |
| Total risk-based capital ratio | 26.1084% | 900 |
| Memoranda: | ||
| Average total assets | $184,600,670 | 3,286 |
| Average earning assets | $176,461,670 | 3,184 |
| Average equity | $21,767,000 | 3,011 |
| Average total loans | $56,286,670 | 4,945 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 6,273 |
| Cost of funding earning assets | 0.5203% | 5,676 |
| Net interest margin | 3.2664% | 5,590 |
| Noninterest income to average assets | 0.5127% | 3,828 |
| Noninterest expense to average assets | 2.3488% | 5,628 |
| Loan and lease loss provision to assets | 0.0482% | 4,803 |
| Net operating income to assets | 0.9943% | 2,501 |
| Return on assets (ROA) | 1.5009% | 1,138 |
| Pretax return on assets | 1.8712% | 934 |
| Return on Equity (ROE) | 12.7709% | 1,471 |
| Retained earnings to average equity (ytd only) | 12.7709% | 716 |
| Net charge-offs to loans | 0.0218% | 4,379 |
| Credit loss provision to net charge-offs | 733.3333% | 481 |
| Earnings coverage of net charge-offs (x) | 195.6667% | 185 |
| Efficiency ratio | 64.6172% | 4,817 |
| Assets per employee ($millions) | 5.1724% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 5,162 |
| Loan loss allowance to noncurrent loans | 627.4336% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 4,725 |
| Noncurrent loans to loans | 0.2024% | 6,278 |
| Net loans and leases to total assets | 29.6036% | 6,924 |
| Net loans and leases to deposits | 33.9574% | 6,953 |
| Net loans and leases to core deposits | 35.4954% | 6,956 |
| Total domestic deposits to total assets | 87.1788% | 2,844 |
| Equity capital to assets | 11.6451% | 2,306 |
| Core capital (leverage) ratio | 10.8282% | 2,415 |
| Tier 1 risk-based capital ratio | 25.5264% | 850 |
| Total risk-based capital ratio | 26.4429% | 869 |
| Memoranda: | ||
| Average total assets | $182,558,500 | 3,337 |
| Average earning assets | $174,503,000 | 3,230 |
| Average equity | $21,455,000 | 3,049 |
| Average total loans | $55,054,500 | 5,021 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 6,413 |
| Cost of funding earning assets | 0.6324% | 5,914 |
| Net interest margin | 3.3907% | 5,511 |
| Noninterest income to average assets | 0.5621% | 3,415 |
| Noninterest expense to average assets | 2.5248% | 5,382 |
| Loan and lease loss provision to assets | 0.0011% | 6,489 |
| Net operating income to assets | 1.0735% | 1,910 |
| Return on assets (ROA) | 1.4063% | 1,099 |
| Pretax return on assets | 1.6754% | 1,049 |
| Return on Equity (ROE) | 12.2707% | 1,338 |
| Retained earnings to average equity (ytd only) | 6.2970% | 1,853 |
| Net charge-offs to loans | -0.0132% | 6,912 |
| Credit loss provision to net charge-offs | -28.5714% | 6,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3521% | 4,691 |
| Assets per employee ($millions) | 4.8354% | 2,398 |
| Cash dividends to net income (ytd only)* | 48.6826% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 5,056 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 4,903 |
| Noncurrent loans to loans | 0.0424% | 6,717 |
| Net loans and leases to total assets | 29.9514% | 7,006 |
| Net loans and leases to deposits | 34.6864% | 7,030 |
| Net loans and leases to core deposits | 35.7323% | 7,041 |
| Total domestic deposits to total assets | 86.3490% | 3,115 |
| Equity capital to assets | 11.8641% | 2,222 |
| Core capital (leverage) ratio | 10.6026% | 2,617 |
| Tier 1 risk-based capital ratio | 25.4455% | 829 |
| Total risk-based capital ratio | 26.3666% | 847 |
| Memoranda: | ||
| Average total assets | $175,419,200 | 3,405 |
| Average earning assets | $167,780,400 | 3,282 |
| Average equity | $20,104,800 | 3,123 |
| Average total loans | $52,882,200 | 5,160 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 6,489 |
| Cost of funding earning assets | 0.6572% | 6,001 |
| Net interest margin | 3.4016% | 5,563 |
| Noninterest income to average assets | 0.4858% | 3,990 |
| Noninterest expense to average assets | 2.4994% | 5,465 |
| Loan and lease loss provision to assets | 0.0137% | 6,260 |
| Net operating income to assets | 1.0038% | 2,301 |
| Return on assets (ROA) | 1.3941% | 1,246 |
| Pretax return on assets | 1.7027% | 1,144 |
| Return on Equity (ROE) | 12.2741% | 1,473 |
| Retained earnings to average equity (ytd only) | 9.5838% | 959 |
| Net charge-offs to loans | -0.0228% | 6,933 |
| Credit loss provision to net charge-offs | -200.0000% | 6,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8301% | 4,560 |
| Assets per employee ($millions) | 4.8662% | 2,376 |
| Cash dividends to net income (ytd only)* | 21.9178% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 4,985 |
| Loan loss allowance to noncurrent loans | 2,832.0000% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.7820% | 5,212 |
| Noncurrent loans to loans | 0.0461% | 6,823 |
| Net loans and leases to total assets | 29.7223% | 7,096 |
| Net loans and leases to deposits | 34.4467% | 7,116 |
| Net loans and leases to core deposits | 35.4782% | 7,132 |
| Total domestic deposits to total assets | 86.2849% | 3,050 |
| Equity capital to assets | 12.0705% | 2,199 |
| Core capital (leverage) ratio | 10.9241% | 2,457 |
| Tier 1 risk-based capital ratio | 25.6698% | 861 |
| Total risk-based capital ratio | 26.6153% | 871 |
| Memoranda: | ||
| Average total assets | $174,546,500 | 3,436 |
| Average earning assets | $166,977,000 | 3,301 |
| Average equity | $19,824,500 | 3,176 |
| Average total loans | $52,533,750 | 5,212 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 6,479 |
| Cost of funding earning assets | 0.6824% | 6,058 |
| Net interest margin | 3.4255% | 5,460 |
| Noninterest income to average assets | 0.4806% | 4,024 |
| Noninterest expense to average assets | 2.5684% | 5,294 |
| Loan and lease loss provision to assets | 0.0139% | 6,105 |
| Net operating income to assets | 0.9533% | 2,425 |
| Return on assets (ROA) | 1.4556% | 1,027 |
| Pretax return on assets | 1.7833% | 912 |
| Return on Equity (ROE) | 13.1017% | 1,177 |
| Retained earnings to average equity (ytd only) | 8.9325% | 1,130 |
| Net charge-offs to loans | -0.0346% | 6,955 |
| Credit loss provision to net charge-offs | -133.3333% | 6,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4357% | 4,432 |
| Assets per employee ($millions) | 4.6606% | 2,600 |
| Cash dividends to net income (ytd only)* | 31.8218% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 4,887 |
| Loan loss allowance to noncurrent loans | 2,064.7059% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 5,433 |
| Noncurrent loans to loans | 0.0647% | 6,821 |
| Net loans and leases to total assets | 30.0553% | 7,177 |
| Net loans and leases to deposits | 34.6067% | 7,200 |
| Net loans and leases to core deposits | 35.6809% | 7,225 |
| Total domestic deposits to total assets | 86.8483% | 2,822 |
| Equity capital to assets | 11.5929% | 2,419 |
| Core capital (leverage) ratio | 10.6741% | 2,544 |
| Tier 1 risk-based capital ratio | 25.6219% | 839 |
| Total risk-based capital ratio | 26.5861% | 857 |
| Memoranda: | ||
| Average total assets | $172,712,000 | 3,488 |
| Average earning assets | $164,995,670 | 3,353 |
| Average equity | $19,188,330 | 3,249 |
| Average total loans | $51,970,670 | 5,284 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 6,607 |
| Cost of funding earning assets | 0.6977% | 6,156 |
| Net interest margin | 3.3506% | 5,607 |
| Noninterest income to average assets | 0.4952% | 3,930 |
| Noninterest expense to average assets | 2.5595% | 5,358 |
| Loan and lease loss provision to assets | 0.0139% | 5,738 |
| Net operating income to assets | 0.8916% | 2,606 |
| Return on assets (ROA) | 1.7472% | 565 |
| Pretax return on assets | 2.2054% | 401 |
| Return on Equity (ROE) | 16.0749% | 665 |
| Retained earnings to average equity (ytd only) | 16.0749% | 316 |
| Net charge-offs to loans | -0.0310% | 6,718 |
| Credit loss provision to net charge-offs | -150.0000% | 5,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2549% | 4,424 |
| Assets per employee ($millions) | 4.7239% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 4,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6871% | 5,572 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 28.9958% | 7,264 |
| Net loans and leases to deposits | 33.0180% | 7,292 |
| Net loans and leases to core deposits | 34.1323% | 7,303 |
| Total domestic deposits to total assets | 87.8181% | 2,475 |
| Equity capital to assets | 11.0124% | 2,676 |
| Core capital (leverage) ratio | 10.8816% | 2,279 |
| Tier 1 risk-based capital ratio | 25.4266% | 834 |
| Total risk-based capital ratio | 26.3736% | 848 |
| Memoranda: | ||
| Average total assets | $172,847,000 | 3,508 |
| Average earning assets | $165,103,000 | 3,377 |
| Average equity | $18,787,000 | 3,284 |
| Average total loans | $51,691,000 | 5,339 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1954% | 6,930 |
| Cost of funding earning assets | 0.8550% | 6,349 |
| Net interest margin | 3.3404% | 5,833 |
| Noninterest income to average assets | 0.5309% | 3,949 |
| Noninterest expense to average assets | 2.5369% | 5,659 |
| Loan and lease loss provision to assets | 0.2611% | 4,701 |
| Net operating income to assets | 0.8224% | 2,706 |
| Return on assets (ROA) | 1.4404% | 939 |
| Pretax return on assets | 1.6378% | 1,056 |
| Return on Equity (ROE) | 13.1877% | 1,043 |
| Retained earnings to average equity (ytd only) | 6.8165% | 1,403 |
| Net charge-offs to loans | 0.9569% | 2,262 |
| Credit loss provision to net charge-offs | 84.1418% | 5,380 |
| Earnings coverage of net charge-offs (x) | 3.8563% | 3,161 |
| Efficiency ratio | 67.9485% | 4,573 |
| Assets per employee ($millions) | 4.7475% | 2,490 |
| Cash dividends to net income (ytd only)* | 48.3119% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 4,954 |
| Loan loss allowance to noncurrent loans | 4,864.2857% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 5,600 |
| Noncurrent loans to loans | 0.0269% | 7,070 |
| Net loans and leases to total assets | 30.0334% | 7,352 |
| Net loans and leases to deposits | 34.4892% | 7,387 |
| Net loans and leases to core deposits | 35.8130% | 7,390 |
| Total domestic deposits to total assets | 87.0803% | 2,775 |
| Equity capital to assets | 10.7226% | 2,930 |
| Core capital (leverage) ratio | 10.1226% | 2,954 |
| Tier 1 risk-based capital ratio | 24.4434% | 893 |
| Total risk-based capital ratio | 25.3787% | 905 |
| Memoranda: | ||
| Average total assets | $172,733,000 | 3,490 |
| Average earning assets | $165,610,000 | 3,356 |
| Average equity | $18,866,000 | 3,295 |
| Average total loans | $56,014,800 | 5,233 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 7,071 |
| Cost of funding earning assets | 0.8822% | 6,466 |
| Net interest margin | 3.3322% | 5,919 |
| Noninterest income to average assets | 0.5350% | 3,907 |
| Noninterest expense to average assets | 2.3958% | 6,049 |
| Loan and lease loss provision to assets | 0.3364% | 3,912 |
| Net operating income to assets | 0.8553% | 2,795 |
| Return on assets (ROA) | 1.5412% | 928 |
| Pretax return on assets | 1.7992% | 926 |
| Return on Equity (ROE) | 14.0481% | 1,023 |
| Retained earnings to average equity (ytd only) | 11.2342% | 571 |
| Net charge-offs to loans | 1.2277% | 1,665 |
| Credit loss provision to net charge-offs | 83.2381% | 5,032 |
| Earnings coverage of net charge-offs (x) | 3.3105% | 3,496 |
| Efficiency ratio | 64.1649% | 5,211 |
| Assets per employee ($millions) | 4.5659% | 2,801 |
| Cash dividends to net income (ytd only)* | 20.0298% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 5,310 |
| Loan loss allowance to noncurrent loans | 327.5362% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 5,325 |
| Noncurrent loans to loans | 0.3774% | 6,440 |
| Net loans and leases to total assets | 31.2243% | 7,434 |
| Net loans and leases to deposits | 36.1516% | 7,468 |
| Net loans and leases to core deposits | 37.6573% | 7,468 |
| Total domestic deposits to total assets | 86.3705% | 2,876 |
| Equity capital to assets | 11.6739% | 2,377 |
| Core capital (leverage) ratio | 10.4971% | 2,692 |
| Tier 1 risk-based capital ratio | 24.2256% | 922 |
| Total risk-based capital ratio | 25.1324% | 934 |
| Memoranda: | ||
| Average total assets | $173,188,750 | 3,527 |
| Average earning assets | $166,253,000 | 3,384 |
| Average equity | $19,001,000 | 3,316 |
| Average total loans | $57,015,750 | 5,276 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 7,115 |
| Cost of funding earning assets | 0.9075% | 6,547 |
| Net interest margin | 3.3429% | 5,861 |
| Noninterest income to average assets | 0.5385% | 3,804 |
| Noninterest expense to average assets | 2.3780% | 6,123 |
| Loan and lease loss provision to assets | 0.2392% | 4,522 |
| Net operating income to assets | 0.9341% | 2,424 |
| Return on assets (ROA) | 1.7679% | 561 |
| Pretax return on assets | 2.1516% | 446 |
| Return on Equity (ROE) | 16.4667% | 636 |
| Retained earnings to average equity (ytd only) | 12.1509% | 470 |
| Net charge-offs to loans | 0.0346% | 5,869 |
| Credit loss provision to net charge-offs | 2,070.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 118.9000% | 285 |
| Efficiency ratio | 63.3816% | 5,452 |
| Assets per employee ($millions) | 4.5007% | 2,871 |
| Cash dividends to net income (ytd only)* | 26.2092% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 3,259 |
| Loan loss allowance to noncurrent loans | 57.1513% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9852% | 5,164 |
| Noncurrent loans to loans | 2.8833% | 2,771 |
| Net loans and leases to total assets | 33.6072% | 7,433 |
| Net loans and leases to deposits | 38.6574% | 7,476 |
| Net loans and leases to core deposits | 40.2757% | 7,484 |
| Total domestic deposits to total assets | 86.9359% | 2,560 |
| Equity capital to assets | 10.9989% | 2,859 |
| Core capital (leverage) ratio | 10.1668% | 2,976 |
| Tier 1 risk-based capital ratio | 23.0911% | 1,057 |
| Total risk-based capital ratio | 24.3412% | 1,034 |
| Memoranda: | ||
| Average total assets | $173,083,000 | 3,549 |
| Average earning assets | $166,382,670 | 3,404 |
| Average equity | $18,583,000 | 3,363 |
| Average total loans | $57,736,330 | 5,277 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 7,134 |
| Cost of funding earning assets | 0.9232% | 6,684 |
| Net interest margin | 3.3749% | 5,689 |
| Noninterest income to average assets | 0.4710% | 4,291 |
| Noninterest expense to average assets | 2.3525% | 6,240 |
| Loan and lease loss provision to assets | 0.0896% | 5,740 |
| Net operating income to assets | 1.0203% | 2,110 |
| Return on assets (ROA) | 1.8540% | 489 |
| Pretax return on assets | 2.2997% | 349 |
| Return on Equity (ROE) | 17.4779% | 562 |
| Retained earnings to average equity (ytd only) | 17.4779% | 266 |
| Net charge-offs to loans | 0.0418% | 5,000 |
| Credit loss provision to net charge-offs | 650.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 98.6667% | 323 |
| Efficiency ratio | 63.3663% | 5,606 |
| Assets per employee ($millions) | 4.5963% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 4,536 |
| Loan loss allowance to noncurrent loans | 281.3380% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 7,020 |
| Noncurrent loans to loans | 0.4892% | 6,319 |
| Net loans and leases to total assets | 32.7785% | 7,544 |
| Net loans and leases to deposits | 37.5636% | 7,590 |
| Net loans and leases to core deposits | 38.6338% | 7,611 |
| Total domestic deposits to total assets | 87.2615% | 2,491 |
| Equity capital to assets | 10.7958% | 2,958 |
| Core capital (leverage) ratio | 10.0900% | 3,055 |
| Tier 1 risk-based capital ratio | 22.6181% | 1,132 |
| Total risk-based capital ratio | 23.6616% | 1,127 |
| Memoranda: | ||
| Average total assets | $174,111,500 | 3,592 |
| Average earning assets | $167,235,500 | 3,438 |
| Average equity | $18,469,000 | 3,405 |
| Average total loans | $57,384,500 | 5,366 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8639% | 6,799 |
| Cost of funding earning assets | 1.2212% | 6,587 |
| Net interest margin | 3.6427% | 4,379 |
| Noninterest income to average assets | 0.5483% | 4,038 |
| Noninterest expense to average assets | 2.5904% | 5,829 |
| Loan and lease loss provision to assets | 0.1680% | 6,009 |
| Net operating income to assets | 1.0227% | 1,769 |
| Return on assets (ROA) | 1.5311% | 672 |
| Pretax return on assets | 1.9275% | 478 |
| Return on Equity (ROE) | 14.2764% | 740 |
| Retained earnings to average equity (ytd only) | 6.3722% | 1,198 |
| Net charge-offs to loans | 0.1985% | 5,407 |
| Credit loss provision to net charge-offs | 236.8421% | 1,528 |
| Earnings coverage of net charge-offs (x) | 20.4649% | 1,039 |
| Efficiency ratio | 64.0801% | 5,763 |
| Assets per employee ($millions) | 4.4503% | 3,010 |
| Cash dividends to net income (ytd only)* | 55.3659% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 4,475 |
| Loan loss allowance to noncurrent loans | 208.1522% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 6,938 |
| Noncurrent loans to loans | 0.6488% | 5,938 |
| Net loans and leases to total assets | 32.2379% | 7,650 |
| Net loans and leases to deposits | 37.0148% | 7,702 |
| Net loans and leases to core deposits | 45.1263% | 7,685 |
| Total domestic deposits to total assets | 87.0946% | 2,443 |
| Equity capital to assets | 10.4181% | 3,264 |
| Core capital (leverage) ratio | 9.6678% | 3,500 |
| Tier 1 risk-based capital ratio | 21.8921% | 1,165 |
| Total risk-based capital ratio | 22.9077% | 1,171 |
| Memoranda: | ||
| Average total assets | $160,672,000 | 3,759 |
| Average earning assets | $154,114,400 | 3,635 |
| Average equity | $17,231,200 | 3,626 |
| Average total loans | $57,418,800 | 5,365 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 6,718 |
| Cost of funding earning assets | 1.2755% | 6,641 |
| Net interest margin | 3.6898% | 4,115 |
| Noninterest income to average assets | 0.5394% | 4,163 |
| Noninterest expense to average assets | 2.5565% | 5,872 |
| Loan and lease loss provision to assets | 0.1914% | 5,466 |
| Net operating income to assets | 0.9363% | 2,282 |
| Return on assets (ROA) | 1.4353% | 1,016 |
| Pretax return on assets | 2.0340% | 512 |
| Return on Equity (ROE) | 13.2793% | 1,051 |
| Retained earnings to average equity (ytd only) | 10.1377% | 615 |
| Net charge-offs to loans | 0.2037% | 4,770 |
| Credit loss provision to net charge-offs | 256.8182% | 1,665 |
| Earnings coverage of net charge-offs (x) | 20.4319% | 1,238 |
| Efficiency ratio | 62.6739% | 5,985 |
| Assets per employee ($millions) | 4.1738% | 3,417 |
| Cash dividends to net income (ytd only)* | 23.6577% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 4,525 |
| Loan loss allowance to noncurrent loans | 389.5833% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 7,253 |
| Noncurrent loans to loans | 0.3330% | 6,693 |
| Net loans and leases to total assets | 34.9660% | 7,656 |
| Net loans and leases to deposits | 40.3455% | 7,720 |
| Net loans and leases to core deposits | 50.2787% | 7,680 |
| Total domestic deposits to total assets | 86.6665% | 2,348 |
| Equity capital to assets | 11.2601% | 2,783 |
| Core capital (leverage) ratio | 10.2445% | 3,020 |
| Tier 1 risk-based capital ratio | 22.8431% | 1,128 |
| Total risk-based capital ratio | 23.8658% | 1,133 |
| Memoranda: | ||
| Average total assets | $157,449,250 | 3,844 |
| Average earning assets | $151,043,000 | 3,704 |
| Average equity | $17,018,500 | 3,701 |
| Average total loans | $57,593,750 | 5,397 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0282% | 6,678 |
| Cost of funding earning assets | 1.3177% | 6,742 |
| Net interest margin | 3.7105% | 3,907 |
| Noninterest income to average assets | 0.5216% | 4,260 |
| Noninterest expense to average assets | 2.6080% | 5,713 |
| Loan and lease loss provision to assets | 0.2287% | 4,751 |
| Net operating income to assets | 0.8782% | 2,545 |
| Return on assets (ROA) | 1.4775% | 938 |
| Pretax return on assets | 2.0851% | 454 |
| Return on Equity (ROE) | 13.8707% | 1,015 |
| Retained earnings to average equity (ytd only) | 9.0341% | 927 |
| Net charge-offs to loans | 0.1772% | 4,467 |
| Credit loss provision to net charge-offs | 349.0196% | 1,328 |
| Earnings coverage of net charge-offs (x) | 22.4314% | 1,221 |
| Efficiency ratio | 63.9572% | 5,924 |
| Assets per employee ($millions) | 4.0264% | 3,625 |
| Cash dividends to net income (ytd only)* | 34.8696% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 4,440 |
| Loan loss allowance to noncurrent loans | 298.3806% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 7,168 |
| Noncurrent loans to loans | 0.4268% | 6,451 |
| Net loans and leases to total assets | 36.3888% | 7,694 |
| Net loans and leases to deposits | 41.5810% | 7,771 |
| Net loans and leases to core deposits | 50.6547% | 7,752 |
| Total domestic deposits to total assets | 87.5131% | 2,011 |
| Equity capital to assets | 10.5439% | 3,349 |
| Core capital (leverage) ratio | 10.1274% | 3,161 |
| Tier 1 risk-based capital ratio | 22.3912% | 1,202 |
| Total risk-based capital ratio | 23.4123% | 1,199 |
| Memoranda: | ||
| Average total assets | $155,673,000 | 3,911 |
| Average earning assets | $149,197,670 | 3,763 |
| Average equity | $16,581,670 | 3,797 |
| Average total loans | $57,570,000 | 5,443 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0998% | 6,647 |
| Cost of funding earning assets | 1.3585% | 6,848 |
| Net interest margin | 3.7413% | 3,703 |
| Noninterest income to average assets | 0.5007% | 4,318 |
| Noninterest expense to average assets | 2.4336% | 6,083 |
| Loan and lease loss provision to assets | 0.2761% | 3,751 |
| Net operating income to assets | 1.0115% | 2,263 |
| Return on assets (ROA) | 1.4297% | 1,163 |
| Pretax return on assets | 1.9459% | 733 |
| Return on Equity (ROE) | 13.3542% | 1,305 |
| Retained earnings to average equity (ytd only) | 13.3542% | 590 |
| Net charge-offs to loans | 0.3344% | 2,756 |
| Credit loss provision to net charge-offs | 222.9167% | 2,034 |
| Earnings coverage of net charge-offs (x) | 13.3125% | 1,740 |
| Efficiency ratio | 59.6081% | 6,458 |
| Assets per employee ($millions) | 4.0442% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 4,924 |
| Loan loss allowance to noncurrent loans | 375.8427% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 7,252 |
| Noncurrent loans to loans | 0.3142% | 6,656 |
| Net loans and leases to total assets | 35.4934% | 7,750 |
| Net loans and leases to deposits | 40.7062% | 7,822 |
| Net loans and leases to core deposits | 49.0498% | 7,811 |
| Total domestic deposits to total assets | 87.1942% | 2,123 |
| Equity capital to assets | 10.8848% | 3,091 |
| Core capital (leverage) ratio | 10.4899% | 2,941 |
| Tier 1 risk-based capital ratio | 22.5531% | 1,239 |
| Total risk-based capital ratio | 23.4981% | 1,237 |
| Memoranda: | ||
| Average total assets | $154,995,000 | 3,928 |
| Average earning assets | $148,397,000 | 3,787 |
| Average equity | $16,594,000 | 3,812 |
| Average total loans | $57,416,000 | 5,479 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5652% | 7,166 |
| Cost of funding earning assets | 1.8272% | 6,936 |
| Net interest margin | 3.7381% | 4,290 |
| Noninterest income to average assets | 0.6368% | 3,585 |
| Noninterest expense to average assets | 2.4629% | 6,158 |
| Loan and lease loss provision to assets | 0.1354% | 5,627 |
| Net operating income to assets | 1.2087% | 1,742 |
| Return on assets (ROA) | 1.2656% | 1,530 |
| Pretax return on assets | 1.6323% | 1,307 |
| Return on Equity (ROE) | 12.4375% | 1,462 |
| Retained earnings to average equity (ytd only) | 4.6754% | 2,217 |
| Net charge-offs to loans | 0.0622% | 5,886 |
| Credit loss provision to net charge-offs | 556.7568% | 789 |
| Earnings coverage of net charge-offs (x) | 69.7027% | 585 |
| Efficiency ratio | 59.2382% | 6,489 |
| Assets per employee ($millions) | 3.9042% | 3,720 |
| Cash dividends to net income (ytd only)* | 62.4091% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 5,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 37.8097% | 7,763 |
| Net loans and leases to deposits | 43.3768% | 7,865 |
| Net loans and leases to core deposits | 52.1184% | 7,840 |
| Total domestic deposits to total assets | 87.1658% | 1,857 |
| Equity capital to assets | 10.5211% | 3,475 |
| Core capital (leverage) ratio | 10.0972% | 3,358 |
| Tier 1 risk-based capital ratio | 21.6189% | 1,369 |
| Total risk-based capital ratio | 22.4745% | 1,393 |
| Memoranda: | ||
| Average total assets | $152,179,000 | 3,863 |
| Average earning assets | $143,336,000 | 3,777 |
| Average equity | $15,485,400 | 4,028 |
| Average total loans | $59,509,600 | 5,287 |