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 | 5.6256% | 1,006 |
| Cost of funding earning assets | 2.0332% | 874 |
| Net interest margin | 3.5924% | 1,979 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.3196% | 2,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2854% | 1,459 |
| Return on assets (ROA) | 1.3129% | 1,377 |
| Pretax return on assets | 1.3129% | 1,838 |
| Return on Equity (ROE) | 15.1200% | 1,265 |
| Retained earnings to average equity (ytd only) | 9.2558% | 1,194 |
| Net charge-offs to loans | 0.0537% | 1,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 33.2289% | 1,567 |
| Efficiency ratio | 63.7732% | 2,635 |
| Assets per employee ($millions) | 6.8240% | 2,190 |
| Cash dividends to net income (ytd only)* | 38.7716% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7896% | 545 |
| Loan loss allowance to noncurrent loans | 9,780.5556% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 2,298 |
| Noncurrent loans to loans | 0.0183% | 3,614 |
| Net loans and leases to total assets | 71.6900% | 1,621 |
| Net loans and leases to deposits | 78.9692% | 2,190 |
| Net loans and leases to core deposits | 89.4679% | 2,091 |
| Total domestic deposits to total assets | 90.7800% | 564 |
| Equity capital to assets | 8.9693% | 2,694 |
| Core capital (leverage) ratio | 11.0233% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8560% | 1,914 |
| Memoranda: | ||
| Average total assets | $519,621,800 | 1,690 |
| Average earning assets | $481,260,400 | 1,685 |
| Average equity | $45,128,400 | 1,727 |
| Average total loans | $374,310,200 | 1,536 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5057% | 1,009 |
| Cost of funding earning assets | 1.8938% | 869 |
| Net interest margin | 3.6119% | 1,978 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.3107% | 2,757 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3166% | 1,509 |
| Return on assets (ROA) | 1.3536% | 1,391 |
| Pretax return on assets | 1.3536% | 1,888 |
| Return on Equity (ROE) | 15.7200% | 1,301 |
| Retained earnings to average equity (ytd only) | 10.4866% | 1,266 |
| Net charge-offs to loans | -0.0004% | 3,432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.1320% | 2,604 |
| Assets per employee ($millions) | 6.3096% | 2,488 |
| Cash dividends to net income (ytd only)* | 33.2951% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8829% | 490 |
| Loan loss allowance to noncurrent loans | 2,099.7101% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 2,054 |
| Noncurrent loans to loans | 0.0897% | 3,137 |
| Net loans and leases to total assets | 71.2200% | 1,666 |
| Net loans and leases to deposits | 78.0611% | 2,240 |
| Net loans and leases to core deposits | 87.9680% | 2,051 |
| Total domestic deposits to total assets | 91.2400% | 617 |
| Equity capital to assets | 8.4688% | 2,747 |
| Core capital (leverage) ratio | 10.8565% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9240% | 1,926 |
| Memoranda: | ||
| Average total assets | $514,753,500 | 1,701 |
| Average earning assets | $477,968,750 | 1,690 |
| Average equity | $44,322,250 | 1,737 |
| Average total loans | $369,511,750 | 1,549 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3428% | 1,026 |
| Cost of funding earning assets | 1.7287% | 847 |
| Net interest margin | 3.6141% | 2,008 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.3356% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2691% | 1,644 |
| Return on assets (ROA) | 1.3197% | 1,499 |
| Pretax return on assets | 1.3197% | 2,021 |
| Return on Equity (ROE) | 15.2400% | 1,422 |
| Retained earnings to average equity (ytd only) | 10.0057% | 1,402 |
| Net charge-offs to loans | -0.0011% | 3,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.2173% | 2,456 |
| Assets per employee ($millions) | 6.4074% | 2,374 |
| Cash dividends to net income (ytd only)* | 34.3443% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9801% | 432 |
| Loan loss allowance to noncurrent loans | 8,050.0000% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,660 |
| Noncurrent loans to loans | 0.0246% | 3,583 |
| Net loans and leases to total assets | 69.1000% | 1,838 |
| Net loans and leases to deposits | 75.9999% | 2,311 |
| Net loans and leases to core deposits | 86.2203% | 2,058 |
| Total domestic deposits to total assets | 90.9300% | 674 |
| Equity capital to assets | 8.8670% | 2,614 |
| Core capital (leverage) ratio | 11.1208% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2070% | 1,813 |
| Memoranda: | ||
| Average total assets | $509,669,667 | 1,703 |
| Average earning assets | $473,306,667 | 1,700 |
| Average equity | $44,134,667 | 1,747 |
| Average total loans | $364,440,000 | 1,551 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2950% | 834 |
| Cost of funding earning assets | 1.6177% | 676 |
| Net interest margin | 3.6772% | 1,948 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.3857% | 2,572 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2871% | 1,709 |
| Return on assets (ROA) | 1.3814% | 1,434 |
| Pretax return on assets | 1.3814% | 1,929 |
| Return on Equity (ROE) | 16.1500% | 1,326 |
| Retained earnings to average equity (ytd only) | 10.7335% | 1,532 |
| Net charge-offs to loans | -0.0011% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.3735% | 2,407 |
| Assets per employee ($millions) | 6.2779% | 2,522 |
| Cash dividends to net income (ytd only)* | 33.5436% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0241% | 417 |
| Loan loss allowance to noncurrent loans | 9,287.1795% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,690 |
| Noncurrent loans to loans | 0.0218% | 3,618 |
| Net loans and leases to total assets | 68.1100% | 1,826 |
| Net loans and leases to deposits | 74.5781% | 2,254 |
| Net loans and leases to core deposits | 83.6996% | 2,006 |
| Total domestic deposits to total assets | 91.3300% | 694 |
| Equity capital to assets | 8.5101% | 2,882 |
| Core capital (leverage) ratio | 10.8690% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1561% | 1,924 |
| Memoranda: | ||
| Average total assets | $505,003,500 | 1,730 |
| Average earning assets | $469,047,000 | 1,730 |
| Average equity | $43,192,000 | 1,790 |
| Average total loans | $363,710,500 | 1,568 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1524% | 1,347 |
| Cost of funding earning assets | 0.6069% | 875 |
| Net interest margin | 3.5455% | 1,796 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.4185% | 2,365 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1960% | 1,785 |
| Return on assets (ROA) | 1.1522% | 1,908 |
| Pretax return on assets | 1.1522% | 2,596 |
| Return on Equity (ROE) | 12.9000% | 1,843 |
| Retained earnings to average equity (ytd only) | 5.8544% | 2,694 |
| Net charge-offs to loans | -0.0111% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.2989% | 2,190 |
| Assets per employee ($millions) | 6.1138% | 2,667 |
| Cash dividends to net income (ytd only)* | 54.6090% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9662% | 460 |
| Loan loss allowance to noncurrent loans | 553.8110% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 1,835 |
| Noncurrent loans to loans | 0.3550% | 1,871 |
| Net loans and leases to total assets | 73.1500% | 1,296 |
| Net loans and leases to deposits | 80.9162% | 1,701 |
| Net loans and leases to core deposits | 95.2716% | 1,240 |
| Total domestic deposits to total assets | 90.4100% | 1,193 |
| Equity capital to assets | 8.5972% | 2,633 |
| Core capital (leverage) ratio | 10.9056% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5820% | 2,134 |
| Memoranda: | ||
| Average total assets | $483,933,800 | 1,761 |
| Average earning assets | $451,787,800 | 1,749 |
| Average equity | $43,232,200 | 1,812 |
| Average total loans | $351,011,200 | 1,544 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 1,367 |
| Cost of funding earning assets | 0.4603% | 937 |
| Net interest margin | 3.4858% | 1,702 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.4299% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1193% | 2,007 |
| Return on assets (ROA) | 1.0606% | 2,213 |
| Pretax return on assets | 1.0606% | 2,841 |
| Return on Equity (ROE) | 11.7600% | 2,114 |
| Retained earnings to average equity (ytd only) | 5.1370% | 3,051 |
| Net charge-offs to loans | 0.0139% | 1,602 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 112.1944% | 882 |
| Efficiency ratio | 67.8379% | 2,051 |
| Assets per employee ($millions) | 6.0605% | 2,712 |
| Cash dividends to net income (ytd only)* | 56.3104% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9709% | 528 |
| Loan loss allowance to noncurrent loans | 181.3619% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.8077% | 620 |
| Noncurrent loans to loans | 1.0867% | 693 |
| Net loans and leases to total assets | 72.8600% | 1,194 |
| Net loans and leases to deposits | 81.4996% | 1,481 |
| Net loans and leases to core deposits | 89.3658% | 1,339 |
| Total domestic deposits to total assets | 89.4000% | 1,920 |
| Equity capital to assets | 8.0082% | 2,888 |
| Core capital (leverage) ratio | 10.9481% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5140% | 2,255 |
| Memoranda: | ||
| Average total assets | $481,112,250 | 1,783 |
| Average earning assets | $449,272,750 | 1,771 |
| Average equity | $43,396,500 | 1,839 |
| Average total loans | $346,379,000 | 1,551 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7655% | 1,382 |
| Cost of funding earning assets | 0.3950% | 946 |
| Net interest margin | 3.3705% | 1,687 |
| Noninterest income to average assets | 0.2687% | 3,560 |
| Noninterest expense to average assets | 2.4476% | 2,089 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9819% | 2,220 |
| Return on assets (ROA) | 0.8932% | 2,584 |
| Pretax return on assets | 0.8932% | 3,088 |
| Return on Equity (ROE) | 9.5357% | 2,516 |
| Retained earnings to average equity (ytd only) | 3.1905% | 3,386 |
| Net charge-offs to loans | 0.0141% | 1,487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 97.7500% | 827 |
| Efficiency ratio | 70.7103% | 1,863 |
| Assets per employee ($millions) | 5.9678% | 2,772 |
| Cash dividends to net income (ytd only)* | 66.5417% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1072% | 445 |
| Loan loss allowance to noncurrent loans | 324.6057% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 1,248 |
| Noncurrent loans to loans | 0.6492% | 1,318 |
| Net loans and leases to total assets | 68.3795% | 1,449 |
| Net loans and leases to deposits | 74.4677% | 1,809 |
| Net loans and leases to core deposits | 82.5450% | 1,553 |
| Total domestic deposits to total assets | 91.8244% | 920 |
| Equity capital to assets | 8.0759% | 3,065 |
| Core capital (leverage) ratio | 10.7619% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0990% | 2,017 |
| Memoranda: | ||
| Average total assets | $477,850,000 | 1,797 |
| Average earning assets | $448,119,000 | 1,790 |
| Average equity | $44,758,000 | 1,840 |
| Average total loans | $340,217,000 | 1,562 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6562% | 1,373 |
| Cost of funding earning assets | 0.4031% | 849 |
| Net interest margin | 3.2530% | 1,711 |
| Noninterest income to average assets | 0.2881% | 3,399 |
| Noninterest expense to average assets | 2.5834% | 1,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7541% | 2,839 |
| Return on assets (ROA) | 0.7465% | 2,860 |
| Pretax return on assets | 0.7465% | 3,259 |
| Return on Equity (ROE) | 7.4382% | 2,892 |
| Retained earnings to average equity (ytd only) | 1.5282% | 3,680 |
| Net charge-offs to loans | 0.0306% | 1,002 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 34.2308% | 1,076 |
| Efficiency ratio | 76.7200% | 1,446 |
| Assets per employee ($millions) | 6.0774% | 2,737 |
| Cash dividends to net income (ytd only)* | 79.4552% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0885% | 530 |
| Loan loss allowance to noncurrent loans | 345.3717% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 1,433 |
| Noncurrent loans to loans | 0.6047% | 1,550 |
| Net loans and leases to total assets | 68.5780% | 1,151 |
| Net loans and leases to deposits | 75.3667% | 1,498 |
| Net loans and leases to core deposits | 83.5578% | 1,265 |
| Total domestic deposits to total assets | 90.9925% | 1,036 |
| Equity capital to assets | 8.9431% | 2,761 |
| Core capital (leverage) ratio | 10.6901% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1587% | 2,134 |
| Memoranda: | ||
| Average total assets | $472,096,500 | 1,821 |
| Average earning assets | $442,539,500 | 1,816 |
| Average equity | $47,377,000 | 1,804 |
| Average total loans | $339,414,000 | 1,557 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 653 |
| Cost of funding earning assets | 0.5325% | 780 |
| Net interest margin | 3.9163% | 825 |
| Noninterest income to average assets | 0.2933% | 3,646 |
| Noninterest expense to average assets | 2.3971% | 2,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5658% | 886 |
| Return on assets (ROA) | 1.5615% | 920 |
| Pretax return on assets | 1.5615% | 1,533 |
| Return on Equity (ROE) | 14.1007% | 1,157 |
| Retained earnings to average equity (ytd only) | 9.0743% | 1,174 |
| Net charge-offs to loans | 0.0854% | 949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 24.6143% | 1,741 |
| Efficiency ratio | 59.7088% | 3,194 |
| Assets per employee ($millions) | 5.8692% | 2,889 |
| Cash dividends to net income (ytd only)* | 35.6467% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1635% | 474 |
| Loan loss allowance to noncurrent loans | 344.6352% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 1,419 |
| Noncurrent loans to loans | 0.6278% | 1,580 |
| Net loans and leases to total assets | 72.3156% | 824 |
| Net loans and leases to deposits | 81.5206% | 1,099 |
| Net loans and leases to core deposits | 92.0341% | 876 |
| Total domestic deposits to total assets | 88.7083% | 1,658 |
| Equity capital to assets | 11.2253% | 1,647 |
| Core capital (leverage) ratio | 10.9571% | 1,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1424% | 2,187 |
| Memoranda: | ||
| Average total assets | $440,166,000 | 1,866 |
| Average earning assets | $412,426,800 | 1,860 |
| Average equity | $48,742,200 | 1,802 |
| Average total loans | $327,705,800 | 1,598 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6389% | 533 |
| Cost of funding earning assets | 0.5627% | 778 |
| Net interest margin | 4.0762% | 682 |
| Noninterest income to average assets | 0.2745% | 3,779 |
| Noninterest expense to average assets | 2.3731% | 2,527 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7205% | 794 |
| Return on assets (ROA) | 1.7147% | 842 |
| Pretax return on assets | 1.7147% | 1,376 |
| Return on Equity (ROE) | 15.5397% | 1,031 |
| Retained earnings to average equity (ytd only) | 10.7034% | 1,121 |
| Net charge-offs to loans | 0.1214% | 649 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 18.9966% | 1,771 |
| Efficiency ratio | 57.3376% | 3,379 |
| Assets per employee ($millions) | 5.7560% | 2,931 |
| Cash dividends to net income (ytd only)* | 31.1222% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2303% | 433 |
| Loan loss allowance to noncurrent loans | 284.8676% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 1,349 |
| Noncurrent loans to loans | 0.7829% | 1,445 |
| Net loans and leases to total assets | 71.3134% | 948 |
| Net loans and leases to deposits | 80.6087% | 1,231 |
| Net loans and leases to core deposits | 91.3117% | 962 |
| Total domestic deposits to total assets | 88.4687% | 1,583 |
| Equity capital to assets | 11.2847% | 1,827 |
| Core capital (leverage) ratio | 10.8461% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4885% | 2,169 |
| Memoranda: | ||
| Average total assets | $437,226,000 | 1,896 |
| Average earning assets | $409,653,000 | 1,886 |
| Average equity | $48,245,250 | 1,834 |
| Average total loans | $326,122,250 | 1,632 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 877 |
| Cost of funding earning assets | 0.6238% | 656 |
| Net interest margin | 3.7534% | 1,213 |
| Noninterest income to average assets | 0.2656% | 3,809 |
| Noninterest expense to average assets | 2.3436% | 2,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4388% | 1,453 |
| Return on assets (ROA) | 1.4388% | 1,520 |
| Pretax return on assets | 1.4388% | 2,216 |
| Return on Equity (ROE) | 13.1402% | 1,662 |
| Retained earnings to average equity (ytd only) | 7.2647% | 2,333 |
| Net charge-offs to loans | 0.1712% | 494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 11.1821% | 1,773 |
| Efficiency ratio | 61.3413% | 2,825 |
| Assets per employee ($millions) | 5.3503% | 3,287 |
| Cash dividends to net income (ytd only)* | 44.7141% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2094% | 417 |
| Loan loss allowance to noncurrent loans | 360.0897% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 1,532 |
| Noncurrent loans to loans | 0.6136% | 1,869 |
| Net loans and leases to total assets | 72.0310% | 961 |
| Net loans and leases to deposits | 81.0654% | 1,323 |
| Net loans and leases to core deposits | 93.9286% | 904 |
| Total domestic deposits to total assets | 88.8555% | 1,358 |
| Equity capital to assets | 10.8732% | 2,092 |
| Core capital (leverage) ratio | 10.2877% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2046% | 2,286 |
| Memoranda: | ||
| Average total assets | $435,231,000 | 1,897 |
| Average earning assets | $407,794,000 | 1,888 |
| Average equity | $47,655,333 | 1,842 |
| Average total loans | $327,070,000 | 1,635 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6009% | 659 |
| Cost of funding earning assets | 0.6659% | 629 |
| Net interest margin | 3.9350% | 930 |
| Noninterest income to average assets | 0.2572% | 3,856 |
| Noninterest expense to average assets | 2.2924% | 2,816 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6462% | 1,027 |
| Return on assets (ROA) | 1.6462% | 1,080 |
| Pretax return on assets | 1.6462% | 1,610 |
| Return on Equity (ROE) | 14.9808% | 1,216 |
| Retained earnings to average equity (ytd only) | 6.9539% | 2,589 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6143% | 3,358 |
| Assets per employee ($millions) | 5.4621% | 3,151 |
| Cash dividends to net income (ytd only)* | 53.5815% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2790% | 379 |
| Loan loss allowance to noncurrent loans | 150.3204% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.1288% | 687 |
| Noncurrent loans to loans | 1.5161% | 824 |
| Net loans and leases to total assets | 72.7547% | 928 |
| Net loans and leases to deposits | 81.6638% | 1,357 |
| Net loans and leases to core deposits | 94.3304% | 959 |
| Total domestic deposits to total assets | 89.0906% | 1,294 |
| Equity capital to assets | 10.7345% | 2,051 |
| Core capital (leverage) ratio | 10.5845% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5114% | 2,079 |
| Memoranda: | ||
| Average total assets | $430,809,500 | 1,895 |
| Average earning assets | $403,048,500 | 1,893 |
| Average equity | $47,340,500 | 1,845 |
| Average total loans | $327,056,000 | 1,641 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,109 |
| Cost of funding earning assets | 1.0537% | 487 |
| Net interest margin | 3.5401% | 2,338 |
| Noninterest income to average assets | 0.3116% | 3,614 |
| Noninterest expense to average assets | 2.5265% | 2,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0855% | 1,970 |
| Return on assets (ROA) | 1.0855% | 2,100 |
| Pretax return on assets | 1.0855% | 2,752 |
| Return on Equity (ROE) | 9.5003% | 2,195 |
| Retained earnings to average equity (ytd only) | 3.5857% | 3,042 |
| Net charge-offs to loans | 0.0006% | 3,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 2,184.5000% | 46 |
| Efficiency ratio | 69.2461% | 2,057 |
| Assets per employee ($millions) | 5.4440% | 2,900 |
| Cash dividends to net income (ytd only)* | 62.2568% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3119% | 345 |
| Loan loss allowance to noncurrent loans | 148.7124% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 1.2042% | 719 |
| Noncurrent loans to loans | 1.5546% | 852 |
| Net loans and leases to total assets | 75.6721% | 826 |
| Net loans and leases to deposits | 85.5049% | 1,292 |
| Net loans and leases to core deposits | 95.6333% | 1,143 |
| Total domestic deposits to total assets | 88.5003% | 1,227 |
| Equity capital to assets | 11.2571% | 2,053 |
| Core capital (leverage) ratio | 10.6828% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7996% | 2,313 |
| Memoranda: | ||
| Average total assets | $402,496,800 | 1,853 |
| Average earning assets | $375,246,000 | 1,853 |
| Average equity | $45,988,000 | 1,810 |
| Average total loans | $324,442,000 | 1,592 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6277% | 1,234 |
| Cost of funding earning assets | 1.1154% | 506 |
| Net interest margin | 3.5122% | 2,554 |
| Noninterest income to average assets | 0.2919% | 3,739 |
| Noninterest expense to average assets | 2.5583% | 2,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0146% | 2,279 |
| Return on assets (ROA) | 1.0146% | 2,411 |
| Pretax return on assets | 1.0146% | 3,015 |
| Return on Equity (ROE) | 8.8453% | 2,460 |
| Retained earnings to average equity (ytd only) | 2.8336% | 3,586 |
| Net charge-offs to loans | 0.0016% | 3,155 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 757.7500% | 160 |
| Efficiency ratio | 70.8919% | 1,764 |
| Assets per employee ($millions) | 4.7154% | 3,576 |
| Cash dividends to net income (ytd only)* | 67.9644% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3084% | 293 |
| Loan loss allowance to noncurrent loans | 121.2439% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 1.5089% | 561 |
| Noncurrent loans to loans | 1.9039% | 665 |
| Net loans and leases to total assets | 77.4219% | 908 |
| Net loans and leases to deposits | 87.6642% | 1,525 |
| Net loans and leases to core deposits | 99.4016% | 1,207 |
| Total domestic deposits to total assets | 88.3164% | 1,053 |
| Equity capital to assets | 11.3104% | 2,141 |
| Core capital (leverage) ratio | 10.6647% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7985% | 2,288 |
| Memoranda: | ||
| Average total assets | $398,324,500 | 1,846 |
| Average earning assets | $372,101,750 | 1,837 |
| Average equity | $45,688,000 | 1,813 |
| Average total loans | $324,374,000 | 1,592 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7661% | 1,249 |
| Cost of funding earning assets | 1.1825% | 534 |
| Net interest margin | 3.5835% | 2,539 |
| Noninterest income to average assets | 0.2647% | 3,884 |
| Noninterest expense to average assets | 2.5637% | 2,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0437% | 2,173 |
| Return on assets (ROA) | 1.0437% | 2,304 |
| Pretax return on assets | 1.0437% | 2,890 |
| Return on Equity (ROE) | 9.0560% | 2,337 |
| Retained earnings to average equity (ytd only) | 2.8514% | 3,445 |
| Net charge-offs to loans | 0.0043% | 2,824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 294.0000% | 325 |
| Efficiency ratio | 70.3501% | 1,912 |
| Assets per employee ($millions) | 4.8935% | 3,310 |
| Cash dividends to net income (ytd only)* | 68.5131% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2963% | 289 |
| Loan loss allowance to noncurrent loans | 103.7478% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.7803% | 456 |
| Noncurrent loans to loans | 2.2133% | 574 |
| Net loans and leases to total assets | 78.5888% | 774 |
| Net loans and leases to deposits | 89.0004% | 1,449 |
| Net loans and leases to core deposits | 102.8119% | 1,077 |
| Total domestic deposits to total assets | 88.3017% | 1,040 |
| Equity capital to assets | 11.3398% | 2,093 |
| Core capital (leverage) ratio | 10.7519% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6752% | 2,328 |
| Memoranda: | ||
| Average total assets | $394,352,000 | 1,834 |
| Average earning assets | $367,850,000 | 1,827 |
| Average equity | $45,450,667 | 1,813 |
| Average total loans | $324,124,667 | 1,576 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8874% | 1,220 |
| Cost of funding earning assets | 1.2823% | 591 |
| Net interest margin | 3.6052% | 2,649 |
| Noninterest income to average assets | 0.2883% | 3,795 |
| Noninterest expense to average assets | 2.6135% | 2,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0246% | 2,097 |
| Return on assets (ROA) | 1.0246% | 2,195 |
| Pretax return on assets | 1.0246% | 2,761 |
| Return on Equity (ROE) | 8.8156% | 2,186 |
| Retained earnings to average equity (ytd only) | 1.9935% | 3,446 |
| Net charge-offs to loans | 0.0099% | 2,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 124.3750% | 500 |
| Efficiency ratio | 71.1294% | 2,198 |
| Assets per employee ($millions) | 4.8683% | 2,793 |
| Cash dividends to net income (ytd only)* | 77.3869% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3247% | 318 |
| Loan loss allowance to noncurrent loans | 123.7176% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 1.5375% | 685 |
| Noncurrent loans to loans | 1.8791% | 785 |
| Net loans and leases to total assets | 79.9222% | 704 |
| Net loans and leases to deposits | 90.6335% | 1,439 |
| Net loans and leases to core deposits | 103.2678% | 1,230 |
| Total domestic deposits to total assets | 88.1818% | 1,027 |
| Equity capital to assets | 11.4619% | 2,472 |
| Core capital (leverage) ratio | 10.9246% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2992% | 2,569 |
| Memoranda: | ||
| Average total assets | $388,447,000 | 1,808 |
| Average earning assets | $360,928,000 | 1,813 |
| Average equity | $45,147,000 | 1,814 |
| Average total loans | $322,837,000 | 1,549 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1196% | 1,177 |
| Cost of funding earning assets | 1.3374% | 687 |
| Net interest margin | 3.7822% | 2,564 |
| Noninterest income to average assets | 0.6208% | 2,127 |
| Noninterest expense to average assets | 2.6899% | 2,914 |
| Loan and lease loss provision to assets | 0.2018% | 1,007 |
| Net operating income to assets | 1.2151% | 2,003 |
| Return on assets (ROA) | 1.2151% | 2,092 |
| Pretax return on assets | 1.2151% | 2,783 |
| Return on Equity (ROE) | 10.7306% | 1,990 |
| Retained earnings to average equity (ytd only) | 3.4091% | 3,308 |
| Net charge-offs to loans | -0.0608% | 4,857 |
| Credit loss provision to net charge-offs | -401.0152% | 4,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8647% | 2,956 |
| Assets per employee ($millions) | 4.7820% | 2,859 |
| Cash dividends to net income (ytd only)* | 68.2296% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3247% | 276 |
| Loan loss allowance to noncurrent loans | 108.4645% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.8175% | 476 |
| Noncurrent loans to loans | 2.1433% | 584 |
| Net loans and leases to total assets | 82.4716% | 493 |
| Net loans and leases to deposits | 93.8961% | 1,165 |
| Net loans and leases to core deposits | 110.2829% | 832 |
| Total domestic deposits to total assets | 87.8328% | 1,209 |
| Equity capital to assets | 11.7879% | 2,291 |
| Core capital (leverage) ratio | 11.1067% | 2,409 |
| Tier 1 risk-based capital ratio | 12.4563% | 4,103 |
| Total risk-based capital ratio | 13.7181% | 3,968 |
| Memoranda: | ||
| Average total assets | $391,420,400 | 1,766 |
| Average earning assets | $360,768,000 | 1,778 |
| Average equity | $44,322,000 | 1,776 |
| Average total loans | $324,230,200 | 1,515 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0620% | 1,387 |
| Cost of funding earning assets | 1.4073% | 564 |
| Net interest margin | 3.6547% | 3,074 |
| Noninterest income to average assets | 0.7245% | 1,687 |
| Noninterest expense to average assets | 2.5551% | 3,288 |
| Loan and lease loss provision to assets | 0.2787% | 546 |
| Net operating income to assets | 1.2992% | 1,865 |
| Return on assets (ROA) | 1.2992% | 1,948 |
| Pretax return on assets | 1.2992% | 2,673 |
| Return on Equity (ROE) | 11.5393% | 1,790 |
| Retained earnings to average equity (ytd only) | 3.3991% | 3,706 |
| Net charge-offs to loans | -0.0699% | 4,914 |
| Credit loss provision to net charge-offs | -475.3521% | 4,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7321% | 3,365 |
| Assets per employee ($millions) | 4.6361% | 2,997 |
| Cash dividends to net income (ytd only)* | 70.5434% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4217% | 246 |
| Loan loss allowance to noncurrent loans | 139.1209% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.5043% | 731 |
| Noncurrent loans to loans | 1.7407% | 832 |
| Net loans and leases to total assets | 83.7767% | 375 |
| Net loans and leases to deposits | 95.8457% | 1,031 |
| Net loans and leases to core deposits | 110.2583% | 940 |
| Total domestic deposits to total assets | 87.4079% | 1,305 |
| Equity capital to assets | 12.0715% | 2,201 |
| Core capital (leverage) ratio | 11.3346% | 2,353 |
| Tier 1 risk-based capital ratio | 12.5148% | 4,137 |
| Total risk-based capital ratio | 13.7780% | 4,000 |
| Memoranda: | ||
| Average total assets | $322,952,500 | 2,026 |
| Average earning assets | $301,194,000 | 2,026 |
| Average equity | $36,361,750 | 2,089 |
| Average total loans | $270,848,250 | 1,738 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 1,339 |
| Cost of funding earning assets | 1.3764% | 582 |
| Net interest margin | 3.6779% | 2,997 |
| Noninterest income to average assets | 0.9178% | 1,045 |
| Noninterest expense to average assets | 2.5836% | 3,231 |
| Loan and lease loss provision to assets | 0.2739% | 544 |
| Net operating income to assets | 1.4887% | 1,177 |
| Return on assets (ROA) | 1.4887% | 1,223 |
| Pretax return on assets | 1.4887% | 1,892 |
| Return on Equity (ROE) | 13.5250% | 1,095 |
| Retained earnings to average equity (ytd only) | 5.9497% | 2,301 |
| Net charge-offs to loans | -0.1045% | 5,008 |
| Credit loss provision to net charge-offs | -314.6853% | 4,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3614% | 3,817 |
| Assets per employee ($millions) | 4.3577% | 3,350 |
| Cash dividends to net income (ytd only)* | 56.0098% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3585% | 272 |
| Loan loss allowance to noncurrent loans | 154.6875% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 1.2825% | 1,000 |
| Noncurrent loans to loans | 1.5247% | 1,010 |
| Net loans and leases to total assets | 82.1330% | 592 |
| Net loans and leases to deposits | 93.7805% | 1,282 |
| Net loans and leases to core deposits | 106.4984% | 1,219 |
| Total domestic deposits to total assets | 87.5800% | 1,299 |
| Equity capital to assets | 11.9617% | 2,211 |
| Core capital (leverage) ratio | 11.0147% | 2,585 |
| Tier 1 risk-based capital ratio | 12.8050% | 3,944 |
| Total risk-based capital ratio | 14.0674% | 3,838 |
| Memoranda: | ||
| Average total assets | $328,608,330 | 2,008 |
| Average earning assets | $306,312,670 | 2,001 |
| Average equity | $36,170,000 | 2,092 |
| Average total loans | $273,562,330 | 1,740 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 1,390 |
| Cost of funding earning assets | 1.3184% | 623 |
| Net interest margin | 3.6599% | 3,044 |
| Noninterest income to average assets | 0.2590% | 4,156 |
| Noninterest expense to average assets | 2.4730% | 3,576 |
| Loan and lease loss provision to assets | 0.2661% | 526 |
| Net operating income to assets | 0.9213% | 3,157 |
| Return on assets (ROA) | 0.9213% | 3,192 |
| Pretax return on assets | 0.9213% | 3,696 |
| Return on Equity (ROE) | 8.7160% | 2,939 |
| Retained earnings to average equity (ytd only) | 1.4993% | 4,201 |
| Net charge-offs to loans | 0.0186% | 2,094 |
| Credit loss provision to net charge-offs | 1,730.7692% | 238 |
| Earnings coverage of net charge-offs (x) | 77.2308% | 785 |
| Efficiency ratio | 67.4637% | 2,718 |
| Assets per employee ($millions) | 4.8026% | 2,786 |
| Cash dividends to net income (ytd only)* | 82.7985% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0579% | 448 |
| Loan loss allowance to noncurrent loans | 108.4998% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.5345% | 768 |
| Noncurrent loans to loans | 1.8967% | 802 |
| Net loans and leases to total assets | 79.2396% | 956 |
| Net loans and leases to deposits | 88.8151% | 1,766 |
| Net loans and leases to core deposits | 99.5007% | 1,663 |
| Total domestic deposits to total assets | 89.2187% | 759 |
| Equity capital to assets | 10.3874% | 3,433 |
| Core capital (leverage) ratio | 9.8640% | 3,747 |
| Tier 1 risk-based capital ratio | 11.3794% | 4,797 |
| Total risk-based capital ratio | 12.6382% | 4,693 |
| Memoranda: | ||
| Average total assets | $338,214,000 | 1,984 |
| Average earning assets | $314,323,500 | 1,980 |
| Average equity | $35,750,500 | 2,109 |
| Average total loans | $280,216,000 | 1,719 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0176% | 1,013 |
| Cost of funding earning assets | 1.0321% | 662 |
| Net interest margin | 3.9855% | 2,038 |
| Noninterest income to average assets | 0.3622% | 3,676 |
| Noninterest expense to average assets | 2.4694% | 3,698 |
| Loan and lease loss provision to assets | 0.2306% | 774 |
| Net operating income to assets | 1.3788% | 1,508 |
| Return on assets (ROA) | 1.3597% | 1,560 |
| Pretax return on assets | 1.3597% | 2,275 |
| Return on Equity (ROE) | 12.6839% | 1,475 |
| Retained earnings to average equity (ytd only) | 3.9641% | 3,392 |
| Net charge-offs to loans | 0.1353% | 1,401 |
| Credit loss provision to net charge-offs | 197.8892% | 1,460 |
| Earnings coverage of net charge-offs (x) | 13.8100% | 2,420 |
| Efficiency ratio | 60.4523% | 3,781 |
| Assets per employee ($millions) | 4.6570% | 2,951 |
| Cash dividends to net income (ytd only)* | 68.7472% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9756% | 492 |
| Loan loss allowance to noncurrent loans | 278.6432% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6019% | 2,231 |
| Noncurrent loans to loans | 0.7090% | 2,219 |
| Net loans and leases to total assets | 83.2109% | 495 |
| Net loans and leases to deposits | 94.0535% | 1,275 |
| Net loans and leases to core deposits | 105.0599% | 1,339 |
| Total domestic deposits to total assets | 88.4719% | 1,082 |
| Equity capital to assets | 10.7617% | 2,920 |
| Core capital (leverage) ratio | 10.2370% | 3,316 |
| Tier 1 risk-based capital ratio | 11.1850% | 4,870 |
| Total risk-based capital ratio | 12.4425% | 4,779 |
| Memoranda: | ||
| Average total assets | $325,217,200 | 2,022 |
| Average earning assets | $303,273,200 | 2,004 |
| Average equity | $34,863,000 | 2,080 |
| Average total loans | $280,068,400 | 1,675 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9583% | 1,024 |
| Cost of funding earning assets | 0.9596% | 716 |
| Net interest margin | 3.9986% | 1,964 |
| Noninterest income to average assets | 0.3322% | 3,931 |
| Noninterest expense to average assets | 2.4623% | 3,694 |
| Loan and lease loss provision to assets | 0.2161% | 773 |
| Net operating income to assets | 1.3969% | 1,504 |
| Return on assets (ROA) | 1.3713% | 1,589 |
| Pretax return on assets | 1.3713% | 2,338 |
| Return on Equity (ROE) | 12.8052% | 1,501 |
| Retained earnings to average equity (ytd only) | 3.8481% | 3,855 |
| Net charge-offs to loans | 0.1157% | 1,349 |
| Credit loss provision to net charge-offs | 216.0494% | 1,304 |
| Earnings coverage of net charge-offs (x) | 16.1236% | 2,183 |
| Efficiency ratio | 60.3293% | 3,767 |
| Assets per employee ($millions) | 4.5159% | 3,098 |
| Cash dividends to net income (ytd only)* | 69.9490% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9019% | 591 |
| Loan loss allowance to noncurrent loans | 338.8820% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 2,610 |
| Noncurrent loans to loans | 0.5612% | 2,698 |
| Net loans and leases to total assets | 86.5505% | 218 |
| Net loans and leases to deposits | 100.9532% | 706 |
| Net loans and leases to core deposits | 113.7809% | 829 |
| Total domestic deposits to total assets | 85.7333% | 2,309 |
| Equity capital to assets | 10.7747% | 2,873 |
| Core capital (leverage) ratio | 10.3425% | 3,244 |
| Tier 1 risk-based capital ratio | 10.9507% | 5,061 |
| Total risk-based capital ratio | 12.2077% | 4,957 |
| Memoranda: | ||
| Average total assets | $323,860,500 | 2,033 |
| Average earning assets | $303,162,750 | 2,019 |
| Average equity | $34,683,000 | 2,091 |
| Average total loans | $279,916,250 | 1,688 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8776% | 1,066 |
| Cost of funding earning assets | 0.9310% | 635 |
| Net interest margin | 3.9466% | 2,043 |
| Noninterest income to average assets | 0.3271% | 4,004 |
| Noninterest expense to average assets | 2.4815% | 3,676 |
| Loan and lease loss provision to assets | 0.1855% | 965 |
| Net operating income to assets | 1.3561% | 1,583 |
| Return on assets (ROA) | 1.3177% | 1,706 |
| Pretax return on assets | 1.3177% | 2,441 |
| Return on Equity (ROE) | 12.3299% | 1,610 |
| Retained earnings to average equity (ytd only) | 3.5931% | 3,801 |
| Net charge-offs to loans | -0.0360% | 4,805 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5893% | 3,682 |
| Assets per employee ($millions) | 4.5653% | 3,025 |
| Cash dividends to net income (ytd only)* | 70.8588% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9632% | 549 |
| Loan loss allowance to noncurrent loans | 242.4934% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 1,985 |
| Noncurrent loans to loans | 0.8096% | 2,107 |
| Net loans and leases to total assets | 86.3208% | 240 |
| Net loans and leases to deposits | 97.7790% | 981 |
| Net loans and leases to core deposits | 109.6768% | 1,022 |
| Total domestic deposits to total assets | 88.2816% | 1,228 |
| Equity capital to assets | 10.8892% | 2,739 |
| Core capital (leverage) ratio | 10.1659% | 3,401 |
| Tier 1 risk-based capital ratio | 11.1402% | 4,978 |
| Total risk-based capital ratio | 12.3981% | 4,878 |
| Memoranda: | ||
| Average total assets | $323,433,330 | 2,046 |
| Average earning assets | $302,894,000 | 2,032 |
| Average equity | $34,566,330 | 2,102 |
| Average total loans | $277,599,000 | 1,706 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7709% | 1,140 |
| Cost of funding earning assets | 0.8963% | 603 |
| Net interest margin | 3.8746% | 2,141 |
| Noninterest income to average assets | 0.4180% | 3,328 |
| Noninterest expense to average assets | 2.5448% | 3,518 |
| Loan and lease loss provision to assets | 0.1844% | 922 |
| Net operating income to assets | 1.3081% | 1,617 |
| Return on assets (ROA) | 1.2319% | 1,893 |
| Pretax return on assets | 1.2319% | 2,629 |
| Return on Equity (ROE) | 11.6343% | 1,713 |
| Retained earnings to average equity (ytd only) | 3.2163% | 3,921 |
| Net charge-offs to loans | -0.0653% | 5,080 |
| Credit loss provision to net charge-offs | -333.3333% | 3,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9415% | 3,644 |
| Assets per employee ($millions) | 4.5339% | 3,107 |
| Cash dividends to net income (ytd only)* | 72.3553% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9662% | 585 |
| Loan loss allowance to noncurrent loans | 433.3333% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 3,110 |
| Noncurrent loans to loans | 0.4537% | 3,176 |
| Net loans and leases to total assets | 82.0045% | 664 |
| Net loans and leases to deposits | 92.5132% | 1,385 |
| Net loans and leases to core deposits | 103.0281% | 1,451 |
| Total domestic deposits to total assets | 88.6409% | 1,286 |
| Equity capital to assets | 10.5578% | 3,013 |
| Core capital (leverage) ratio | 10.0559% | 3,466 |
| Tier 1 risk-based capital ratio | 11.3053% | 4,975 |
| Total risk-based capital ratio | 12.5629% | 4,862 |
| Memoranda: | ||
| Average total assets | $325,363,500 | 2,046 |
| Average earning assets | $303,926,500 | 2,031 |
| Average equity | $34,450,000 | 2,126 |
| Average total loans | $275,707,500 | 1,714 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 956 |
| Cost of funding earning assets | 0.7569% | 797 |
| Net interest margin | 4.0568% | 1,571 |
| Noninterest income to average assets | 0.3148% | 4,209 |
| Noninterest expense to average assets | 2.4784% | 3,856 |
| Loan and lease loss provision to assets | 0.1872% | 1,131 |
| Net operating income to assets | 1.4364% | 932 |
| Return on assets (ROA) | 1.4364% | 949 |
| Pretax return on assets | 1.4364% | 1,865 |
| Return on Equity (ROE) | 13.5981% | 830 |
| Retained earnings to average equity (ytd only) | 2.1974% | 4,005 |
| Net charge-offs to loans | 0.3263% | 779 |
| Credit loss provision to net charge-offs | 67.0391% | 3,129 |
| Earnings coverage of net charge-offs (x) | 5.8145% | 3,267 |
| Efficiency ratio | 60.3286% | 4,211 |
| Assets per employee ($millions) | 4.6326% | 2,974 |
| Cash dividends to net income (ytd only)* | 83.8401% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8588% | 697 |
| Loan loss allowance to noncurrent loans | 429.0216% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 3,264 |
| Noncurrent loans to loans | 0.4333% | 3,233 |
| Net loans and leases to total assets | 84.2392% | 423 |
| Net loans and leases to deposits | 95.8462% | 1,103 |
| Net loans and leases to core deposits | 106.8225% | 1,223 |
| Total domestic deposits to total assets | 87.8900% | 1,555 |
| Equity capital to assets | 10.6187% | 3,027 |
| Core capital (leverage) ratio | 10.0252% | 3,422 |
| Tier 1 risk-based capital ratio | 10.9664% | 5,168 |
| Total risk-based capital ratio | 12.2228% | 5,039 |
| Memoranda: | ||
| Average total assets | $320,533,200 | 2,063 |
| Average earning assets | $299,228,000 | 2,043 |
| Average equity | $33,857,600 | 2,138 |
| Average total loans | $274,318,800 | 1,693 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7452% | 1,043 |
| Cost of funding earning assets | 0.7391% | 804 |
| Net interest margin | 4.0061% | 1,678 |
| Noninterest income to average assets | 0.2783% | 4,520 |
| Noninterest expense to average assets | 2.4973% | 3,747 |
| Loan and lease loss provision to assets | 0.1877% | 1,041 |
| Net operating income to assets | 1.3379% | 1,225 |
| Return on assets (ROA) | 1.3379% | 1,252 |
| Pretax return on assets | 1.3379% | 2,335 |
| Return on Equity (ROE) | 12.6831% | 1,127 |
| Retained earnings to average equity (ytd only) | -0.7633% | 5,328 |
| Net charge-offs to loans | 0.4327% | 483 |
| Credit loss provision to net charge-offs | 50.7328% | 2,903 |
| Earnings coverage of net charge-offs (x) | 4.1229% | 3,262 |
| Efficiency ratio | 61.9828% | 3,886 |
| Assets per employee ($millions) | 4.3351% | 3,419 |
| Cash dividends to net income (ytd only)* | 106.0182% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8120% | 836 |
| Loan loss allowance to noncurrent loans | 328.8889% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 2,489 |
| Noncurrent loans to loans | 0.5510% | 3,045 |
| Net loans and leases to total assets | 84.9969% | 339 |
| Net loans and leases to deposits | 98.4531% | 871 |
| Net loans and leases to core deposits | 111.3996% | 956 |
| Total domestic deposits to total assets | 86.3324% | 2,160 |
| Equity capital to assets | 10.5242% | 3,349 |
| Core capital (leverage) ratio | 9.8448% | 3,760 |
| Tier 1 risk-based capital ratio | 10.7765% | 5,351 |
| Total risk-based capital ratio | 12.0326% | 5,265 |
| Memoranda: | ||
| Average total assets | $319,595,250 | 2,077 |
| Average earning assets | $298,733,500 | 2,062 |
| Average equity | $33,713,250 | 2,158 |
| Average total loans | $273,311,250 | 1,703 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6994% | 1,060 |
| Cost of funding earning assets | 0.7150% | 824 |
| Net interest margin | 3.9844% | 1,658 |
| Noninterest income to average assets | 0.2600% | 4,672 |
| Noninterest expense to average assets | 2.5690% | 3,528 |
| Loan and lease loss provision to assets | 0.1880% | 1,002 |
| Net operating income to assets | 1.2250% | 1,519 |
| Return on assets (ROA) | 1.2250% | 1,556 |
| Pretax return on assets | 1.2250% | 2,678 |
| Return on Equity (ROE) | 11.6033% | 1,425 |
| Retained earnings to average equity (ytd only) | -0.7122% | 5,191 |
| Net charge-offs to loans | 0.4856% | 406 |
| Credit loss provision to net charge-offs | 45.4545% | 2,602 |
| Earnings coverage of net charge-offs (x) | 3.4167% | 3,053 |
| Efficiency ratio | 64.4217% | 3,602 |
| Assets per employee ($millions) | 4.5737% | 2,983 |
| Cash dividends to net income (ytd only)* | 106.1381% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 789 |
| Loan loss allowance to noncurrent loans | 150.4860% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 1.2556% | 1,337 |
| Noncurrent loans to loans | 1.2317% | 1,574 |
| Net loans and leases to total assets | 84.4980% | 398 |
| Net loans and leases to deposits | 96.6903% | 1,009 |
| Net loans and leases to core deposits | 108.2727% | 1,094 |
| Total domestic deposits to total assets | 87.3903% | 1,767 |
| Equity capital to assets | 10.5876% | 3,245 |
| Core capital (leverage) ratio | 9.8486% | 3,717 |
| Tier 1 risk-based capital ratio | 10.8964% | 5,309 |
| Total risk-based capital ratio | 12.1531% | 5,213 |
| Memoranda: | ||
| Average total assets | $319,195,670 | 2,086 |
| Average earning assets | $298,163,670 | 2,069 |
| Average equity | $33,697,330 | 2,155 |
| Average total loans | $271,849,330 | 1,707 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6032% | 1,138 |
| Cost of funding earning assets | 0.7093% | 804 |
| Net interest margin | 3.8939% | 1,800 |
| Noninterest income to average assets | 0.2472% | 4,766 |
| Noninterest expense to average assets | 2.6921% | 3,170 |
| Loan and lease loss provision to assets | 0.1883% | 892 |
| Net operating income to assets | 0.9978% | 2,314 |
| Return on assets (ROA) | 0.9978% | 2,365 |
| Pretax return on assets | 0.9978% | 3,379 |
| Return on Equity (ROE) | 9.4650% | 2,197 |
| Retained earnings to average equity (ytd only) | -1.4882% | 5,126 |
| Net charge-offs to loans | 0.7735% | 218 |
| Credit loss provision to net charge-offs | 28.7356% | 2,119 |
| Earnings coverage of net charge-offs (x) | 1.8103% | 2,678 |
| Efficiency ratio | 69.3204% | 2,994 |
| Assets per employee ($millions) | 4.6362% | 2,946 |
| Cash dividends to net income (ytd only)* | 115.7233% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9103% | 775 |
| Loan loss allowance to noncurrent loans | 189.2685% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 1.0525% | 1,720 |
| Noncurrent loans to loans | 1.0093% | 2,035 |
| Net loans and leases to total assets | 83.0148% | 460 |
| Net loans and leases to deposits | 93.8837% | 1,116 |
| Net loans and leases to core deposits | 102.6885% | 1,319 |
| Total domestic deposits to total assets | 88.4230% | 1,473 |
| Equity capital to assets | 10.6505% | 3,015 |
| Core capital (leverage) ratio | 9.8014% | 3,754 |
| Tier 1 risk-based capital ratio | 11.1098% | 5,254 |
| Total risk-based capital ratio | 12.3667% | 5,144 |
| Memoranda: | ||
| Average total assets | $318,714,500 | 2,101 |
| Average earning assets | $297,186,500 | 2,087 |
| Average equity | $33,597,500 | 2,169 |
| Average total loans | $269,956,000 | 1,728 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6072% | 1,266 |
| Cost of funding earning assets | 0.7232% | 729 |
| Net interest margin | 3.8840% | 2,012 |
| Noninterest income to average assets | 0.3419% | 4,291 |
| Noninterest expense to average assets | 2.3819% | 4,344 |
| Loan and lease loss provision to assets | 0.1835% | 1,290 |
| Net operating income to assets | 1.3911% | 1,024 |
| Return on assets (ROA) | 1.3929% | 1,053 |
| Pretax return on assets | 1.3929% | 1,972 |
| Return on Equity (ROE) | 13.5385% | 862 |
| Retained earnings to average equity (ytd only) | 2.1697% | 4,299 |
| Net charge-offs to loans | -0.0104% | 4,948 |
| Credit loss provision to net charge-offs | -2,068.9655% | 5,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9320% | 4,595 |
| Assets per employee ($millions) | 4.7377% | 2,735 |
| Cash dividends to net income (ytd only)* | 83.9737% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0026% | 657 |
| Loan loss allowance to noncurrent loans | 636.6705% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 3,415 |
| Noncurrent loans to loans | 0.3145% | 4,019 |
| Net loans and leases to total assets | 83.0724% | 476 |
| Net loans and leases to deposits | 93.8240% | 1,212 |
| Net loans and leases to core deposits | 106.9968% | 1,068 |
| Total domestic deposits to total assets | 88.5407% | 1,361 |
| Equity capital to assets | 10.4350% | 3,228 |
| Core capital (leverage) ratio | 9.6302% | 3,931 |
| Tier 1 risk-based capital ratio | 10.8615% | 5,408 |
| Total risk-based capital ratio | 12.1197% | 5,300 |
| Memoranda: | ||
| Average total assets | $327,006,200 | 2,021 |
| Average earning assets | $304,327,000 | 2,013 |
| Average equity | $33,644,800 | 2,148 |
| Average total loans | $278,459,600 | 1,623 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 1,327 |
| Cost of funding earning assets | 0.7171% | 750 |
| Net interest margin | 3.8649% | 2,101 |
| Noninterest income to average assets | 0.2961% | 4,646 |
| Noninterest expense to average assets | 2.3711% | 4,354 |
| Loan and lease loss provision to assets | 0.1828% | 1,206 |
| Net operating income to assets | 1.3458% | 1,176 |
| Return on assets (ROA) | 1.3483% | 1,250 |
| Pretax return on assets | 1.3483% | 2,245 |
| Return on Equity (ROE) | 13.1501% | 1,011 |
| Retained earnings to average equity (ytd only) | 2.0960% | 4,646 |
| Net charge-offs to loans | -0.0119% | 4,840 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4375% | 4,475 |
| Assets per employee ($millions) | 4.7208% | 2,712 |
| Cash dividends to net income (ytd only)* | 84.0616% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8725% | 894 |
| Loan loss allowance to noncurrent loans | 453.8856% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5550% | 3,243 |
| Noncurrent loans to loans | 0.4126% | 3,796 |
| Net loans and leases to total assets | 84.2855% | 386 |
| Net loans and leases to deposits | 97.6599% | 886 |
| Net loans and leases to core deposits | 111.7184% | 824 |
| Total domestic deposits to total assets | 86.3052% | 2,215 |
| Equity capital to assets | 10.2962% | 3,810 |
| Core capital (leverage) ratio | 9.5690% | 4,095 |
| Tier 1 risk-based capital ratio | 10.4570% | 5,636 |
| Total risk-based capital ratio | 11.7136% | 5,559 |
| Memoranda: | ||
| Average total assets | $328,216,250 | 2,020 |
| Average earning assets | $306,025,500 | 2,010 |
| Average equity | $33,651,500 | 2,165 |
| Average total loans | $279,799,500 | 1,615 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5469% | 1,394 |
| Cost of funding earning assets | 0.7122% | 753 |
| Net interest margin | 3.8346% | 2,193 |
| Noninterest income to average assets | 0.2663% | 4,885 |
| Noninterest expense to average assets | 2.3752% | 4,414 |
| Loan and lease loss provision to assets | 0.1832% | 1,186 |
| Net operating income to assets | 1.2789% | 1,336 |
| Return on assets (ROA) | 1.2826% | 1,433 |
| Pretax return on assets | 1.2826% | 2,474 |
| Return on Equity (ROE) | 12.5271% | 1,157 |
| Retained earnings to average equity (ytd only) | 1.9089% | 4,603 |
| Net charge-offs to loans | -0.0187% | 4,922 |
| Credit loss provision to net charge-offs | -1,153.8462% | 5,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3401% | 4,452 |
| Assets per employee ($millions) | 4.7865% | 2,579 |
| Cash dividends to net income (ytd only)* | 84.7619% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8333% | 1,021 |
| Loan loss allowance to noncurrent loans | 322.0698% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 2,883 |
| Noncurrent loans to loans | 0.5692% | 3,360 |
| Net loans and leases to total assets | 84.9890% | 329 |
| Net loans and leases to deposits | 98.4441% | 843 |
| Net loans and leases to core deposits | 109.4375% | 959 |
| Total domestic deposits to total assets | 86.3322% | 2,245 |
| Equity capital to assets | 10.4270% | 3,710 |
| Core capital (leverage) ratio | 9.6817% | 3,955 |
| Tier 1 risk-based capital ratio | 10.5142% | 5,667 |
| Total risk-based capital ratio | 11.7705% | 5,578 |
| Memoranda: | ||
| Average total assets | $327,470,670 | 2,030 |
| Average earning assets | $304,958,000 | 2,020 |
| Average equity | $33,527,330 | 2,170 |
| Average total loans | $278,453,000 | 1,627 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5859% | 1,300 |
| Cost of funding earning assets | 0.7114% | 762 |
| Net interest margin | 3.8746% | 2,011 |
| Noninterest income to average assets | 0.2947% | 4,614 |
| Noninterest expense to average assets | 2.4210% | 4,311 |
| Loan and lease loss provision to assets | 0.1827% | 1,095 |
| Net operating income to assets | 1.2860% | 1,288 |
| Return on assets (ROA) | 1.2860% | 1,373 |
| Pretax return on assets | 1.2860% | 2,365 |
| Return on Equity (ROE) | 12.6763% | 1,108 |
| Retained earnings to average equity (ytd only) | 0.3721% | 5,028 |
| Net charge-offs to loans | 0.0275% | 2,390 |
| Credit loss provision to net charge-offs | 789.4737% | 438 |
| Earnings coverage of net charge-offs (x) | 63.4737% | 749 |
| Efficiency ratio | 61.5842% | 4,511 |
| Assets per employee ($millions) | 4.6763% | 2,785 |
| Cash dividends to net income (ytd only)* | 97.0644% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8225% | 1,113 |
| Loan loss allowance to noncurrent loans | 246.3330% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 2,604 |
| Noncurrent loans to loans | 0.7398% | 2,985 |
| Net loans and leases to total assets | 82.9946% | 456 |
| Net loans and leases to deposits | 93.6794% | 1,177 |
| Net loans and leases to core deposits | 103.2805% | 1,241 |
| Total domestic deposits to total assets | 88.5943% | 1,309 |
| Equity capital to assets | 10.3467% | 3,687 |
| Core capital (leverage) ratio | 9.4508% | 4,277 |
| Tier 1 risk-based capital ratio | 10.6301% | 5,692 |
| Total risk-based capital ratio | 11.8861% | 5,603 |
| Memoranda: | ||
| Average total assets | $328,465,500 | 2,035 |
| Average earning assets | $304,757,500 | 2,027 |
| Average equity | $33,322,000 | 2,183 |
| Average total loans | $276,785,000 | 1,628 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6760% | 1,161 |
| Cost of funding earning assets | 0.7025% | 815 |
| Net interest margin | 3.9735% | 1,805 |
| Noninterest income to average assets | 0.3261% | 4,564 |
| Noninterest expense to average assets | 2.4161% | 4,476 |
| Loan and lease loss provision to assets | 0.1797% | 1,259 |
| Net operating income to assets | 1.4144% | 1,015 |
| Return on assets (ROA) | 1.4273% | 1,024 |
| Pretax return on assets | 1.4273% | 1,797 |
| Return on Equity (ROE) | 14.5826% | 751 |
| Retained earnings to average equity (ytd only) | 2.8945% | 3,998 |
| Net charge-offs to loans | 0.0190% | 3,892 |
| Credit loss provision to net charge-offs | 1,132.0755% | 300 |
| Earnings coverage of net charge-offs (x) | 100.4340% | 571 |
| Efficiency ratio | 59.6221% | 4,958 |
| Assets per employee ($millions) | 4.6426% | 2,820 |
| Cash dividends to net income (ytd only)* | 80.1511% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7236% | 1,303 |
| Loan loss allowance to noncurrent loans | 303.6386% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 3,016 |
| Noncurrent loans to loans | 0.5677% | 3,472 |
| Net loans and leases to total assets | 82.5583% | 541 |
| Net loans and leases to deposits | 97.5017% | 859 |
| Net loans and leases to core deposits | 107.3063% | 1,019 |
| Total domestic deposits to total assets | 84.6737% | 3,222 |
| Equity capital to assets | 9.9498% | 4,022 |
| Core capital (leverage) ratio | 9.3872% | 4,342 |
| Tier 1 risk-based capital ratio | 10.3331% | 5,853 |
| Total risk-based capital ratio | 11.5878% | 5,773 |
| Memoranda: | ||
| Average total assets | $333,924,800 | 1,970 |
| Average earning assets | $309,602,400 | 1,962 |
| Average equity | $32,682,800 | 2,162 |
| Average total loans | $278,812,400 | 1,570 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6839% | 1,128 |
| Cost of funding earning assets | 0.7036% | 825 |
| Net interest margin | 3.9803% | 1,766 |
| Noninterest income to average assets | 0.3095% | 4,722 |
| Noninterest expense to average assets | 2.3943% | 4,530 |
| Loan and lease loss provision to assets | 0.1797% | 1,163 |
| Net operating income to assets | 1.4318% | 1,046 |
| Return on assets (ROA) | 1.4490% | 1,054 |
| Pretax return on assets | 1.4490% | 1,833 |
| Return on Equity (ROE) | 14.8660% | 742 |
| Retained earnings to average equity (ytd only) | 2.8806% | 4,397 |
| Net charge-offs to loans | -0.0048% | 4,822 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1426% | 4,986 |
| Assets per employee ($millions) | 4.3226% | 3,282 |
| Cash dividends to net income (ytd only)* | 80.6229% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 1,358 |
| Loan loss allowance to noncurrent loans | 281.5758% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 2,848 |
| Noncurrent loans to loans | 0.6224% | 3,453 |
| Net loans and leases to total assets | 82.1906% | 558 |
| Net loans and leases to deposits | 92.7581% | 1,334 |
| Net loans and leases to core deposits | 103.3697% | 1,273 |
| Total domestic deposits to total assets | 88.6074% | 1,233 |
| Equity capital to assets | 10.1581% | 3,987 |
| Core capital (leverage) ratio | 9.2465% | 4,671 |
| Tier 1 risk-based capital ratio | 10.5685% | 5,854 |
| Total risk-based capital ratio | 11.8236% | 5,784 |
| Memoranda: | ||
| Average total assets | $333,839,000 | 1,980 |
| Average earning assets | $310,020,250 | 1,972 |
| Average equity | $32,538,750 | 2,188 |
| Average total loans | $278,314,000 | 1,575 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6673% | 1,136 |
| Cost of funding earning assets | 0.6967% | 857 |
| Net interest margin | 3.9706% | 1,730 |
| Noninterest income to average assets | 0.2534% | 5,134 |
| Noninterest expense to average assets | 2.3931% | 4,569 |
| Loan and lease loss provision to assets | 0.1780% | 1,157 |
| Net operating income to assets | 1.3683% | 1,151 |
| Return on assets (ROA) | 1.3921% | 1,143 |
| Pretax return on assets | 1.3921% | 2,011 |
| Return on Equity (ROE) | 14.4781% | 825 |
| Retained earnings to average equity (ytd only) | 3.0301% | 4,116 |
| Net charge-offs to loans | -0.0135% | 5,026 |
| Credit loss provision to net charge-offs | -1,578.9474% | 5,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1145% | 4,962 |
| Assets per employee ($millions) | 4.5133% | 2,965 |
| Cash dividends to net income (ytd only)* | 79.0708% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6328% | 1,806 |
| Loan loss allowance to noncurrent loans | 153.9386% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 1.1734% | 2,162 |
| Noncurrent loans to loans | 1.0607% | 2,521 |
| Net loans and leases to total assets | 82.0850% | 547 |
| Net loans and leases to deposits | 94.9121% | 1,055 |
| Net loans and leases to core deposits | 105.6543% | 1,094 |
| Total domestic deposits to total assets | 86.4853% | 2,447 |
| Equity capital to assets | 9.5891% | 4,545 |
| Core capital (leverage) ratio | 9.0386% | 4,907 |
| Tier 1 risk-based capital ratio | 10.0525% | 6,074 |
| Total risk-based capital ratio | 11.3061% | 6,022 |
| Memoranda: | ||
| Average total assets | $337,054,000 | 1,969 |
| Average earning assets | $312,901,330 | 1,962 |
| Average equity | $32,407,670 | 2,204 |
| Average total loans | $280,682,000 | 1,557 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 1,255 |
| Cost of funding earning assets | 0.6992% | 852 |
| Net interest margin | 3.8860% | 1,944 |
| Noninterest income to average assets | 0.2628% | 5,072 |
| Noninterest expense to average assets | 2.3465% | 4,750 |
| Loan and lease loss provision to assets | 0.1784% | 1,083 |
| Net operating income to assets | 1.3403% | 1,162 |
| Return on assets (ROA) | 1.3403% | 1,227 |
| Pretax return on assets | 1.3403% | 2,120 |
| Return on Equity (ROE) | 13.9213% | 894 |
| Retained earnings to average equity (ytd only) | 3.2981% | 4,003 |
| Net charge-offs to loans | -0.0243% | 5,137 |
| Credit loss provision to net charge-offs | -882.3529% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0615% | 5,085 |
| Assets per employee ($millions) | 4.4605% | 3,118 |
| Cash dividends to net income (ytd only)* | 76.3088% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 2,039 |
| Loan loss allowance to noncurrent loans | 155.6176% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 1.1559% | 2,327 |
| Noncurrent loans to loans | 1.0304% | 2,707 |
| Net loans and leases to total assets | 81.8124% | 485 |
| Net loans and leases to deposits | 93.3863% | 1,046 |
| Net loans and leases to core deposits | 101.3779% | 1,227 |
| Total domestic deposits to total assets | 87.6064% | 2,040 |
| Equity capital to assets | 9.7257% | 4,471 |
| Core capital (leverage) ratio | 9.0362% | 4,907 |
| Tier 1 risk-based capital ratio | 10.1577% | 6,125 |
| Total risk-based capital ratio | 11.4115% | 6,065 |
| Memoranda: | ||
| Average total assets | $336,332,000 | 1,984 |
| Average earning assets | $311,787,500 | 1,979 |
| Average equity | $32,382,000 | 2,217 |
| Average total loans | $279,789,000 | 1,558 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 1,389 |
| Cost of funding earning assets | 0.7231% | 987 |
| Net interest margin | 3.9392% | 2,090 |
| Noninterest income to average assets | 0.3312% | 4,743 |
| Noninterest expense to average assets | 2.3516% | 4,972 |
| Loan and lease loss provision to assets | 0.1820% | 1,414 |
| Net operating income to assets | 1.4611% | 956 |
| Return on assets (ROA) | 1.4526% | 1,009 |
| Pretax return on assets | 1.4526% | 1,716 |
| Return on Equity (ROE) | 15.3725% | 715 |
| Retained earnings to average equity (ytd only) | 2.0672% | 4,749 |
| Net charge-offs to loans | 0.2649% | 1,629 |
| Credit loss provision to net charge-offs | 82.6446% | 2,817 |
| Earnings coverage of net charge-offs (x) | 7.4614% | 3,029 |
| Efficiency ratio | 58.2308% | 5,433 |
| Assets per employee ($millions) | 4.6319% | 2,829 |
| Cash dividends to net income (ytd only)* | 86.5525% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 2,360 |
| Loan loss allowance to noncurrent loans | 469.6937% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 3,909 |
| Noncurrent loans to loans | 0.3248% | 4,675 |
| Net loans and leases to total assets | 81.9610% | 523 |
| Net loans and leases to deposits | 99.5478% | 647 |
| Net loans and leases to core deposits | 106.4737% | 990 |
| Total domestic deposits to total assets | 82.3333% | 4,301 |
| Equity capital to assets | 9.5313% | 4,688 |
| Core capital (leverage) ratio | 9.0246% | 4,957 |
| Tier 1 risk-based capital ratio | 9.8820% | 6,287 |
| Total risk-based capital ratio | 11.1342% | 6,245 |
| Memoranda: | ||
| Average total assets | $329,689,000 | 1,972 |
| Average earning assets | $306,614,200 | 1,958 |
| Average equity | $31,153,000 | 2,211 |
| Average total loans | $274,100,000 | 1,553 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 1,409 |
| Cost of funding earning assets | 0.7283% | 999 |
| Net interest margin | 3.9318% | 2,108 |
| Noninterest income to average assets | 0.3158% | 4,915 |
| Noninterest expense to average assets | 2.3558% | 4,954 |
| Loan and lease loss provision to assets | 0.1832% | 1,336 |
| Net operating income to assets | 1.4355% | 1,058 |
| Return on assets (ROA) | 1.4229% | 1,123 |
| Pretax return on assets | 1.4229% | 1,918 |
| Return on Equity (ROE) | 15.0925% | 810 |
| Retained earnings to average equity (ytd only) | 1.5585% | 5,264 |
| Net charge-offs to loans | 0.3345% | 1,199 |
| Credit loss provision to net charge-offs | 65.8858% | 2,837 |
| Earnings coverage of net charge-offs (x) | 5.8229% | 3,189 |
| Efficiency ratio | 58.6278% | 5,361 |
| Assets per employee ($millions) | 4.6479% | 2,740 |
| Cash dividends to net income (ytd only)* | 89.6739% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 2,484 |
| Loan loss allowance to noncurrent loans | 308.9299% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 3,964 |
| Noncurrent loans to loans | 0.5034% | 4,420 |
| Net loans and leases to total assets | 81.4428% | 565 |
| Net loans and leases to deposits | 93.5459% | 1,078 |
| Net loans and leases to core deposits | 100.0174% | 1,364 |
| Total domestic deposits to total assets | 87.0619% | 2,286 |
| Equity capital to assets | 9.7453% | 4,487 |
| Core capital (leverage) ratio | 9.1214% | 4,893 |
| Tier 1 risk-based capital ratio | 10.2730% | 6,278 |
| Total risk-based capital ratio | 11.5256% | 6,240 |
| Memoranda: | ||
| Average total assets | $327,579,250 | 1,994 |
| Average earning assets | $304,824,750 | 1,985 |
| Average equity | $30,884,250 | 2,234 |
| Average total loans | $272,268,500 | 1,571 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 1,390 |
| Cost of funding earning assets | 0.7230% | 1,065 |
| Net interest margin | 3.9302% | 2,041 |
| Noninterest income to average assets | 0.2735% | 5,243 |
| Noninterest expense to average assets | 2.3185% | 5,107 |
| Loan and lease loss provision to assets | 0.1827% | 1,340 |
| Net operating income to assets | 1.4279% | 1,003 |
| Return on assets (ROA) | 1.4078% | 1,085 |
| Pretax return on assets | 1.4078% | 1,863 |
| Return on Equity (ROE) | 15.0996% | 779 |
| Retained earnings to average equity (ytd only) | 0.0065% | 5,676 |
| Net charge-offs to loans | 0.3125% | 1,293 |
| Credit loss provision to net charge-offs | 70.2576% | 2,472 |
| Earnings coverage of net charge-offs (x) | 6.1920% | 2,811 |
| Efficiency ratio | 58.3566% | 5,508 |
| Assets per employee ($millions) | 4.4182% | 3,059 |
| Cash dividends to net income (ytd only)* | 99.9567% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 2,531 |
| Loan loss allowance to noncurrent loans | 92.8803% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.4389% | 2,264 |
| Noncurrent loans to loans | 1.7042% | 2,032 |
| Net loans and leases to total assets | 82.7406% | 397 |
| Net loans and leases to deposits | 93.5039% | 1,005 |
| Net loans and leases to core deposits | 99.8709% | 1,301 |
| Total domestic deposits to total assets | 88.4889% | 1,645 |
| Equity capital to assets | 9.7036% | 4,487 |
| Core capital (leverage) ratio | 8.8535% | 5,225 |
| Tier 1 risk-based capital ratio | 10.1427% | 6,349 |
| Total risk-based capital ratio | 11.3958% | 6,312 |
| Memoranda: | ||
| Average total assets | $328,320,330 | 1,986 |
| Average earning assets | $305,378,330 | 1,976 |
| Average equity | $30,610,000 | 2,239 |
| Average total loans | $273,303,000 | 1,563 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5238% | 1,727 |
| Cost of funding earning assets | 0.7133% | 1,167 |
| Net interest margin | 3.8105% | 2,427 |
| Noninterest income to average assets | 0.2850% | 5,090 |
| Noninterest expense to average assets | 2.3260% | 5,132 |
| Loan and lease loss provision to assets | 0.1812% | 1,324 |
| Net operating income to assets | 1.3260% | 1,148 |
| Return on assets (ROA) | 1.2367% | 1,439 |
| Pretax return on assets | 1.2367% | 2,327 |
| Return on Equity (ROE) | 13.5331% | 1,032 |
| Retained earnings to average equity (ytd only) | -5.4978% | 6,155 |
| Net charge-offs to loans | 0.5875% | 631 |
| Credit loss provision to net charge-offs | 37.2208% | 2,327 |
| Earnings coverage of net charge-offs (x) | 3.0968% | 2,732 |
| Efficiency ratio | 60.0189% | 5,405 |
| Assets per employee ($millions) | 4.6673% | 2,711 |
| Cash dividends to net income (ytd only)* | 140.6250% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 3,013 |
| Loan loss allowance to noncurrent loans | 127.1673% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.0088% | 3,244 |
| Noncurrent loans to loans | 1.2035% | 3,033 |
| Net loans and leases to total assets | 82.0449% | 353 |
| Net loans and leases to deposits | 92.8437% | 887 |
| Net loans and leases to core deposits | 99.1349% | 1,162 |
| Total domestic deposits to total assets | 88.3689% | 2,011 |
| Equity capital to assets | 9.2645% | 4,795 |
| Core capital (leverage) ratio | 8.5337% | 5,600 |
| Tier 1 risk-based capital ratio | 9.8331% | 6,508 |
| Total risk-based capital ratio | 11.0855% | 6,487 |
| Memoranda: | ||
| Average total assets | $331,215,000 | 1,978 |
| Average earning assets | $308,411,500 | 1,961 |
| Average equity | $30,266,500 | 2,258 |
| Average total loans | $274,376,500 | 1,557 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 1,887 |
| Cost of funding earning assets | 0.7406% | 1,562 |
| Net interest margin | 3.8571% | 2,442 |
| Noninterest income to average assets | 0.3328% | 4,956 |
| Noninterest expense to average assets | 2.2274% | 5,563 |
| Loan and lease loss provision to assets | 0.1828% | 2,012 |
| Net operating income to assets | 1.5271% | 776 |
| Return on assets (ROA) | 1.5377% | 803 |
| Pretax return on assets | 1.5377% | 1,332 |
| Return on Equity (ROE) | 16.8482% | 518 |
| Retained earnings to average equity (ytd only) | 6.1670% | 1,874 |
| Net charge-offs to loans | 0.0140% | 5,173 |
| Credit loss provision to net charge-offs | 1,621.6216% | 153 |
| Earnings coverage of net charge-offs (x) | 151.6486% | 307 |
| Efficiency ratio | 55.3947% | 6,009 |
| Assets per employee ($millions) | 4.7285% | 2,541 |
| Cash dividends to net income (ytd only)* | 63.3967% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 2,770 |
| Loan loss allowance to noncurrent loans | 234.6787% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 4,538 |
| Noncurrent loans to loans | 0.6809% | 4,271 |
| Net loans and leases to total assets | 81.0553% | 490 |
| Net loans and leases to deposits | 95.5179% | 767 |
| Net loans and leases to core deposits | 102.1464% | 1,013 |
| Total domestic deposits to total assets | 84.8588% | 3,825 |
| Equity capital to assets | 9.0150% | 5,021 |
| Core capital (leverage) ratio | 8.7240% | 5,388 |
| Tier 1 risk-based capital ratio | 9.8507% | 6,548 |
| Total risk-based capital ratio | 11.1043% | 6,515 |
| Memoranda: | ||
| Average total assets | $328,144,200 | 1,966 |
| Average earning assets | $306,653,000 | 1,930 |
| Average equity | $29,949,800 | 2,252 |
| Average total loans | $265,232,200 | 1,573 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5882% | 1,940 |
| Cost of funding earning assets | 0.7456% | 1,634 |
| Net interest margin | 3.8427% | 2,495 |
| Noninterest income to average assets | 0.3143% | 5,189 |
| Noninterest expense to average assets | 2.1917% | 5,624 |
| Loan and lease loss provision to assets | 0.1839% | 1,979 |
| Net operating income to assets | 1.5321% | 846 |
| Return on assets (ROA) | 1.5497% | 872 |
| Pretax return on assets | 1.5497% | 1,468 |
| Return on Equity (ROE) | 16.9257% | 547 |
| Retained earnings to average equity (ytd only) | 6.4186% | 2,174 |
| Net charge-offs to loans | 0.0025% | 5,160 |
| Credit loss provision to net charge-offs | 9,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 839.3598% | 58 |
| Efficiency ratio | 54.8630% | 6,029 |
| Assets per employee ($millions) | 4.6403% | 2,653 |
| Cash dividends to net income (ytd only)* | 62.0781% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 2,983 |
| Loan loss allowance to noncurrent loans | 234.2593% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 4,760 |
| Noncurrent loans to loans | 0.6851% | 4,485 |
| Net loans and leases to total assets | 80.0364% | 544 |
| Net loans and leases to deposits | 97.3439% | 603 |
| Net loans and leases to core deposits | 104.5402% | 850 |
| Total domestic deposits to total assets | 82.2202% | 4,855 |
| Equity capital to assets | 9.1183% | 5,029 |
| Core capital (leverage) ratio | 8.5682% | 5,699 |
| Tier 1 risk-based capital ratio | 10.0842% | 6,574 |
| Total risk-based capital ratio | 11.3380% | 6,544 |
| Memoranda: | ||
| Average total assets | $326,250,250 | 1,981 |
| Average earning assets | $305,091,000 | 1,951 |
| Average equity | $29,871,000 | 2,277 |
| Average total loans | $262,405,750 | 1,591 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 2,025 |
| Cost of funding earning assets | 0.7528% | 1,688 |
| Net interest margin | 3.7980% | 2,564 |
| Noninterest income to average assets | 0.2651% | 5,558 |
| Noninterest expense to average assets | 2.1803% | 5,680 |
| Loan and lease loss provision to assets | 0.1845% | 2,050 |
| Net operating income to assets | 1.4564% | 968 |
| Return on assets (ROA) | 1.4829% | 1,001 |
| Pretax return on assets | 1.4829% | 1,672 |
| Return on Equity (ROE) | 16.1734% | 642 |
| Retained earnings to average equity (ytd only) | 5.9502% | 2,470 |
| Net charge-offs to loans | 0.0008% | 4,906 |
| Credit loss provision to net charge-offs | 30,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 2,668.0000% | 6 |
| Efficiency ratio | 55.8023% | 5,988 |
| Assets per employee ($millions) | 4.5179% | 2,794 |
| Cash dividends to net income (ytd only)* | 63.2103% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 3,326 |
| Loan loss allowance to noncurrent loans | 170.8470% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.7544% | 4,323 |
| Noncurrent loans to loans | 0.9122% | 4,102 |
| Net loans and leases to total assets | 80.6875% | 473 |
| Net loans and leases to deposits | 95.0933% | 729 |
| Net loans and leases to core deposits | 101.9198% | 946 |
| Total domestic deposits to total assets | 84.8509% | 3,965 |
| Equity capital to assets | 9.0428% | 5,174 |
| Core capital (leverage) ratio | 8.6866% | 5,443 |
| Tier 1 risk-based capital ratio | 10.0642% | 6,617 |
| Total risk-based capital ratio | 11.3179% | 6,593 |
| Memoranda: | ||
| Average total assets | $325,180,670 | 1,999 |
| Average earning assets | $304,474,000 | 1,962 |
| Average equity | $29,814,330 | 2,285 |
| Average total loans | $260,545,000 | 1,599 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5644% | 1,936 |
| Cost of funding earning assets | 0.7722% | 1,695 |
| Net interest margin | 3.7923% | 2,477 |
| Noninterest income to average assets | 0.2707% | 5,520 |
| Noninterest expense to average assets | 2.2354% | 5,596 |
| Loan and lease loss provision to assets | 0.1845% | 2,000 |
| Net operating income to assets | 1.3915% | 1,049 |
| Return on assets (ROA) | 1.4444% | 1,044 |
| Pretax return on assets | 1.4444% | 1,726 |
| Return on Equity (ROE) | 15.6460% | 656 |
| Retained earnings to average equity (ytd only) | 5.3975% | 3,007 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3919% | 5,911 |
| Assets per employee ($millions) | 4.4800% | 3,010 |
| Cash dividends to net income (ytd only)* | 65.5026% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 3,394 |
| Loan loss allowance to noncurrent loans | 1,106.6298% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 6,212 |
| Noncurrent loans to loans | 0.1447% | 6,038 |
| Net loans and leases to total assets | 76.3179% | 800 |
| Net loans and leases to deposits | 85.5905% | 1,405 |
| Net loans and leases to core deposits | 91.6524% | 1,536 |
| Total domestic deposits to total assets | 89.1664% | 1,591 |
| Equity capital to assets | 9.3455% | 5,068 |
| Core capital (leverage) ratio | 8.5247% | 5,551 |
| Tier 1 risk-based capital ratio | 10.3374% | 6,623 |
| Total risk-based capital ratio | 11.5911% | 6,609 |
| Memoranda: | ||
| Average total assets | $325,128,000 | 2,022 |
| Average earning assets | $303,563,500 | 1,986 |
| Average equity | $30,014,000 | 2,289 |
| Average total loans | $257,507,500 | 1,623 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8871% | 1,880 |
| Cost of funding earning assets | 0.8617% | 2,201 |
| Net interest margin | 4.0254% | 2,290 |
| Noninterest income to average assets | 0.3536% | 4,938 |
| Noninterest expense to average assets | 2.3487% | 5,568 |
| Loan and lease loss provision to assets | 0.1965% | 3,176 |
| Net operating income to assets | 1.5392% | 848 |
| Return on assets (ROA) | 1.6633% | 750 |
| Pretax return on assets | 1.6633% | 1,231 |
| Return on Equity (ROE) | 17.6696% | 470 |
| Retained earnings to average equity (ytd only) | 7.3496% | 1,402 |
| Net charge-offs to loans | 0.0381% | 5,387 |
| Credit loss provision to net charge-offs | 645.1613% | 378 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 620 |
| Efficiency ratio | 56.2530% | 6,033 |
| Assets per employee ($millions) | 4.4283% | 3,096 |
| Cash dividends to net income (ytd only)* | 58.4055% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 3,919 |
| Loan loss allowance to noncurrent loans | 1,402.1818% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 6,111 |
| Noncurrent loans to loans | 0.1038% | 6,227 |
| Net loans and leases to total assets | 79.6415% | 506 |
| Net loans and leases to deposits | 89.1783% | 1,146 |
| Net loans and leases to core deposits | 96.2973% | 1,274 |
| Total domestic deposits to total assets | 89.3059% | 1,368 |
| Equity capital to assets | 9.1191% | 5,378 |
| Core capital (leverage) ratio | 8.6057% | 5,453 |
| Tier 1 risk-based capital ratio | 9.5291% | 6,797 |
| Total risk-based capital ratio | 10.7811% | 6,785 |
| Memoranda: | ||
| Average total assets | $305,408,800 | 2,104 |
| Average earning assets | $283,051,600 | 2,085 |
| Average equity | $28,750,000 | 2,337 |
| Average total loans | $244,266,000 | 1,690 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9405% | 1,861 |
| Cost of funding earning assets | 0.8821% | 2,293 |
| Net interest margin | 4.0583% | 2,265 |
| Noninterest income to average assets | 0.3144% | 5,267 |
| Noninterest expense to average assets | 2.4586% | 5,223 |
| Loan and lease loss provision to assets | 0.2001% | 3,077 |
| Net operating income to assets | 1.4198% | 1,184 |
| Return on assets (ROA) | 1.5777% | 997 |
| Pretax return on assets | 1.5777% | 1,649 |
| Return on Equity (ROE) | 16.6178% | 655 |
| Retained earnings to average equity (ytd only) | 5.9155% | 2,752 |
| Net charge-offs to loans | 0.0591% | 4,835 |
| Credit loss provision to net charge-offs | 424.5283% | 630 |
| Earnings coverage of net charge-offs (x) | 34.3679% | 984 |
| Efficiency ratio | 59.0057% | 5,658 |
| Assets per employee ($millions) | 4.1975% | 3,474 |
| Cash dividends to net income (ytd only)* | 64.4024% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 4,054 |
| Loan loss allowance to noncurrent loans | 508.6777% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 5,835 |
| Noncurrent loans to loans | 0.2896% | 5,909 |
| Net loans and leases to total assets | 80.5992% | 460 |
| Net loans and leases to deposits | 92.3015% | 941 |
| Net loans and leases to core deposits | 100.1082% | 1,110 |
| Total domestic deposits to total assets | 87.3217% | 2,487 |
| Equity capital to assets | 9.5460% | 5,146 |
| Core capital (leverage) ratio | 8.4595% | 5,809 |
| Tier 1 risk-based capital ratio | 9.7898% | 6,847 |
| Total risk-based capital ratio | 11.0423% | 6,830 |
| Memoranda: | ||
| Average total assets | $299,837,000 | 2,160 |
| Average earning assets | $278,104,750 | 2,132 |
| Average equity | $28,466,750 | 2,368 |
| Average total loans | $239,123,000 | 1,732 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 2,099 |
| Cost of funding earning assets | 0.8971% | 2,426 |
| Net interest margin | 4.0061% | 2,478 |
| Noninterest income to average assets | 0.2755% | 5,606 |
| Noninterest expense to average assets | 2.4721% | 5,229 |
| Loan and lease loss provision to assets | 0.2016% | 3,061 |
| Net operating income to assets | 1.3137% | 1,408 |
| Return on assets (ROA) | 1.5522% | 1,012 |
| Pretax return on assets | 1.5522% | 1,702 |
| Return on Equity (ROE) | 16.3799% | 714 |
| Retained earnings to average equity (ytd only) | 7.1263% | 2,035 |
| Net charge-offs to loans | 0.0366% | 4,870 |
| Credit loss provision to net charge-offs | 697.6744% | 458 |
| Earnings coverage of net charge-offs (x) | 52.4419% | 701 |
| Efficiency ratio | 60.6842% | 5,470 |
| Assets per employee ($millions) | 4.1237% | 3,621 |
| Cash dividends to net income (ytd only)* | 56.4935% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 4,141 |
| Loan loss allowance to noncurrent loans | 537.4069% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 6,194 |
| Noncurrent loans to loans | 0.2744% | 6,026 |
| Net loans and leases to total assets | 80.0360% | 508 |
| Net loans and leases to deposits | 92.2605% | 920 |
| Net loans and leases to core deposits | 98.3295% | 1,240 |
| Total domestic deposits to total assets | 86.7500% | 2,929 |
| Equity capital to assets | 9.5696% | 4,951 |
| Core capital (leverage) ratio | 8.6369% | 5,468 |
| Tier 1 risk-based capital ratio | 9.9034% | 6,846 |
| Total risk-based capital ratio | 11.1559% | 6,834 |
| Memoranda: | ||
| Average total assets | $297,642,670 | 2,169 |
| Average earning assets | $275,780,670 | 2,147 |
| Average equity | $28,205,330 | 2,373 |
| Average total loans | $235,275,670 | 1,753 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9024% | 2,230 |
| Cost of funding earning assets | 0.9324% | 2,416 |
| Net interest margin | 3.9700% | 2,629 |
| Noninterest income to average assets | 0.2527% | 5,832 |
| Noninterest expense to average assets | 2.5410% | 5,020 |
| Loan and lease loss provision to assets | 0.2027% | 2,918 |
| Net operating income to assets | 1.1691% | 1,827 |
| Return on assets (ROA) | 1.2962% | 1,636 |
| Pretax return on assets | 1.2962% | 2,552 |
| Return on Equity (ROE) | 13.7469% | 1,240 |
| Retained earnings to average equity (ytd only) | 5.3611% | 3,335 |
| Net charge-offs to loans | 0.0277% | 4,300 |
| Credit loss provision to net charge-offs | 937.5000% | 373 |
| Earnings coverage of net charge-offs (x) | 63.4375% | 530 |
| Efficiency ratio | 63.5924% | 5,007 |
| Assets per employee ($millions) | 4.1174% | 3,757 |
| Cash dividends to net income (ytd only)* | 61.0010% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 3,967 |
| Loan loss allowance to noncurrent loans | 310.4278% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 5,868 |
| Noncurrent loans to loans | 0.4977% | 5,681 |
| Net loans and leases to total assets | 73.8456% | 1,092 |
| Net loans and leases to deposits | 83.0460% | 1,789 |
| Net loans and leases to core deposits | 88.4365% | 2,002 |
| Total domestic deposits to total assets | 88.9213% | 1,747 |
| Equity capital to assets | 9.3429% | 5,038 |
| Core capital (leverage) ratio | 8.4197% | 5,717 |
| Tier 1 risk-based capital ratio | 10.2954% | 6,796 |
| Total risk-based capital ratio | 11.5484% | 6,798 |
| Memoranda: | ||
| Average total assets | $295,950,500 | 2,192 |
| Average earning assets | $272,844,000 | 2,180 |
| Average equity | $27,904,500 | 2,395 |
| Average total loans | $230,645,500 | 1,787 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1730% | 2,174 |
| Cost of funding earning assets | 1.1700% | 2,222 |
| Net interest margin | 4.0030% | 2,861 |
| Noninterest income to average assets | 0.3865% | 4,734 |
| Noninterest expense to average assets | 2.5972% | 5,106 |
| Loan and lease loss provision to assets | 0.3793% | 2,726 |
| Net operating income to assets | 1.1142% | 1,779 |
| Return on assets (ROA) | 1.1471% | 1,789 |
| Pretax return on assets | 1.1489% | 2,656 |
| Return on Equity (ROE) | 12.0926% | 1,381 |
| Retained earnings to average equity (ytd only) | 2.3238% | 4,562 |
| Net charge-offs to loans | 0.2042% | 4,523 |
| Credit loss provision to net charge-offs | 236.4706% | 1,032 |
| Earnings coverage of net charge-offs (x) | 9.3224% | 2,002 |
| Efficiency ratio | 62.6856% | 5,357 |
| Assets per employee ($millions) | 3.9908% | 3,879 |
| Cash dividends to net income (ytd only)* | 80.7832% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 4,370 |
| Loan loss allowance to noncurrent loans | 769.8851% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 6,507 |
| Noncurrent loans to loans | 0.1844% | 6,378 |
| Net loans and leases to total assets | 79.8065% | 517 |
| Net loans and leases to deposits | 90.4413% | 1,106 |
| Net loans and leases to core deposits | 94.6226% | 1,625 |
| Total domestic deposits to total assets | 88.2413% | 2,004 |
| Equity capital to assets | 9.5173% | 4,859 |
| Core capital (leverage) ratio | 8.5931% | 5,412 |
| Tier 1 risk-based capital ratio | 10.0029% | 6,859 |
| Total risk-based capital ratio | 11.2548% | 6,847 |
| Memoranda: | ||
| Average total assets | $264,939,200 | 2,379 |
| Average earning assets | $245,293,200 | 2,343 |
| Average equity | $25,131,000 | 2,568 |
| Average total loans | $208,156,200 | 1,972 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1342% | 2,456 |
| Cost of funding earning assets | 1.1988% | 2,325 |
| Net interest margin | 3.9354% | 3,204 |
| Noninterest income to average assets | 0.3974% | 4,687 |
| Noninterest expense to average assets | 2.6027% | 5,068 |
| Loan and lease loss provision to assets | 0.3897% | 2,519 |
| Net operating income to assets | 1.0621% | 2,100 |
| Return on assets (ROA) | 1.0977% | 2,127 |
| Pretax return on assets | 1.1003% | 3,012 |
| Return on Equity (ROE) | 11.5837% | 1,652 |
| Retained earnings to average equity (ytd only) | 3.1151% | 4,467 |
| Net charge-offs to loans | 0.2193% | 4,065 |
| Credit loss provision to net charge-offs | 228.0967% | 1,247 |
| Earnings coverage of net charge-offs (x) | 8.5136% | 2,163 |
| Efficiency ratio | 63.3507% | 5,171 |
| Assets per employee ($millions) | 3.8966% | 4,079 |
| Cash dividends to net income (ytd only)* | 73.1076% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 4,463 |
| Loan loss allowance to noncurrent loans | 349.3435% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 6,183 |
| Noncurrent loans to loans | 0.4068% | 6,036 |
| Net loans and leases to total assets | 80.0521% | 512 |
| Net loans and leases to deposits | 91.4430% | 1,056 |
| Net loans and leases to core deposits | 95.7613% | 1,629 |
| Total domestic deposits to total assets | 87.5432% | 2,331 |
| Equity capital to assets | 10.0535% | 4,271 |
| Core capital (leverage) ratio | 8.8256% | 5,219 |
| Tier 1 risk-based capital ratio | 10.4340% | 6,804 |
| Total risk-based capital ratio | 11.6859% | 6,784 |
| Memoranda: | ||
| Average total assets | $258,341,000 | 2,454 |
| Average earning assets | $240,239,750 | 2,406 |
| Average equity | $24,482,000 | 2,633 |
| Average total loans | $201,232,500 | 2,049 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0598% | 2,879 |
| Cost of funding earning assets | 1.2152% | 2,475 |
| Net interest margin | 3.8446% | 3,558 |
| Noninterest income to average assets | 0.3370% | 5,191 |
| Noninterest expense to average assets | 2.5936% | 5,219 |
| Loan and lease loss provision to assets | 0.4202% | 2,333 |
| Net operating income to assets | 0.9031% | 2,620 |
| Return on assets (ROA) | 0.9031% | 2,729 |
| Pretax return on assets | 0.9055% | 3,594 |
| Return on Equity (ROE) | 9.7470% | 2,211 |
| Retained earnings to average equity (ytd only) | 4.3558% | 3,421 |
| Net charge-offs to loans | 0.2306% | 3,742 |
| Credit loss provision to net charge-offs | 237.6682% | 1,271 |
| Earnings coverage of net charge-offs (x) | 7.4978% | 2,214 |
| Efficiency ratio | 65.3247% | 4,996 |
| Assets per employee ($millions) | 3.9139% | 3,959 |
| Cash dividends to net income (ytd only)* | 55.3117% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 4,319 |
| Loan loss allowance to noncurrent loans | 162.4934% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 5,479 |
| Noncurrent loans to loans | 0.8951% | 5,176 |
| Net loans and leases to total assets | 74.9964% | 1,243 |
| Net loans and leases to deposits | 85.5487% | 1,852 |
| Net loans and leases to core deposits | 89.1641% | 2,478 |
| Total domestic deposits to total assets | 87.6652% | 2,360 |
| Equity capital to assets | 9.9565% | 4,210 |
| Core capital (leverage) ratio | 8.7536% | 5,131 |
| Tier 1 risk-based capital ratio | 11.0104% | 6,525 |
| Total risk-based capital ratio | 12.2629% | 6,508 |
| Memoranda: | ||
| Average total assets | $252,234,330 | 2,521 |
| Average earning assets | $235,029,670 | 2,473 |
| Average equity | $23,371,330 | 2,716 |
| Average total loans | $193,421,330 | 2,145 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0346% | 2,931 |
| Cost of funding earning assets | 1.2658% | 2,388 |
| Net interest margin | 3.7687% | 3,764 |
| Noninterest income to average assets | 0.3258% | 5,308 |
| Noninterest expense to average assets | 2.6315% | 5,111 |
| Loan and lease loss provision to assets | 0.6265% | 1,376 |
| Net operating income to assets | 0.5798% | 4,136 |
| Return on assets (ROA) | 0.5798% | 4,204 |
| Pretax return on assets | 0.5798% | 4,757 |
| Return on Equity (ROE) | 6.5401% | 3,610 |
| Retained earnings to average equity (ytd only) | 1.3570% | 5,283 |
| Net charge-offs to loans | 0.2191% | 3,210 |
| Credit loss provision to net charge-offs | 371.2871% | 891 |
| Earnings coverage of net charge-offs (x) | 7.1485% | 1,991 |
| Efficiency ratio | 67.6535% | 4,729 |
| Assets per employee ($millions) | 3.6795% | 4,582 |
| Cash dividends to net income (ytd only)* | 79.2507% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 4,498 |
| Loan loss allowance to noncurrent loans | 169.5059% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6769% | 5,596 |
| Noncurrent loans to loans | 0.8474% | 5,353 |
| Net loans and leases to total assets | 74.7983% | 1,224 |
| Net loans and leases to deposits | 83.3385% | 2,132 |
| Net loans and leases to core deposits | 87.0474% | 2,729 |
| Total domestic deposits to total assets | 89.7523% | 1,324 |
| Equity capital to assets | 8.8997% | 5,345 |
| Core capital (leverage) ratio | 8.2274% | 5,940 |
| Tier 1 risk-based capital ratio | 10.2141% | 6,924 |
| Total risk-based capital ratio | 11.4659% | 6,919 |
| Memoranda: | ||
| Average total assets | $239,407,500 | 2,673 |
| Average earning assets | $223,098,000 | 2,623 |
| Average equity | $21,223,000 | 2,956 |
| Average total loans | $184,391,000 | 2,251 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4841% | 2,350 |
| Cost of funding earning assets | 1.5188% | 2,537 |
| Net interest margin | 3.9653% | 3,177 |
| Noninterest income to average assets | 0.4566% | 4,466 |
| Noninterest expense to average assets | 2.6673% | 5,139 |
| Loan and lease loss provision to assets | 0.3362% | 4,131 |
| Net operating income to assets | 1.0767% | 1,770 |
| Return on assets (ROA) | 1.0767% | 1,868 |
| Pretax return on assets | 1.0790% | 2,666 |
| Return on Equity (ROE) | 11.2944% | 1,504 |
| Retained earnings to average equity (ytd only) | 5.0753% | 2,369 |
| Net charge-offs to loans | 0.1977% | 5,106 |
| Credit loss provision to net charge-offs | 214.4928% | 1,413 |
| Earnings coverage of net charge-offs (x) | 9.0290% | 1,890 |
| Efficiency ratio | 64.4002% | 5,282 |
| Assets per employee ($millions) | 3.6869% | 4,495 |
| Cash dividends to net income (ytd only)* | 55.0633% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 5,299 |
| Loan loss allowance to noncurrent loans | 279.4012% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 6,287 |
| Noncurrent loans to loans | 0.4458% | 6,150 |
| Net loans and leases to total assets | 77.1754% | 1,063 |
| Net loans and leases to deposits | 85.9277% | 2,114 |
| Net loans and leases to core deposits | 89.7123% | 2,808 |
| Total domestic deposits to total assets | 89.8143% | 1,204 |
| Equity capital to assets | 8.8300% | 5,392 |
| Core capital (leverage) ratio | 8.4436% | 5,460 |
| Tier 1 risk-based capital ratio | 9.8898% | 7,022 |
| Total risk-based capital ratio | 11.0737% | 7,039 |
| Memoranda: | ||
| Average total assets | $220,111,000 | 2,866 |
| Average earning assets | $201,272,400 | 2,860 |
| Average equity | $20,983,800 | 3,007 |
| Average total loans | $174,522,800 | 2,409 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7717% | 1,478 |
| Cost of funding earning assets | 1.5937% | 2,423 |
| Net interest margin | 4.1780% | 2,302 |
| Noninterest income to average assets | 0.4242% | 4,769 |
| Noninterest expense to average assets | 2.6718% | 4,997 |
| Loan and lease loss provision to assets | 0.1861% | 5,179 |
| Net operating income to assets | 1.4380% | 1,043 |
| Return on assets (ROA) | 1.4380% | 1,113 |
| Pretax return on assets | 1.4380% | 1,777 |
| Return on Equity (ROE) | 14.2633% | 977 |
| Retained earnings to average equity (ytd only) | 6.6765% | 2,001 |
| Net charge-offs to loans | 0.1598% | 5,044 |
| Credit loss provision to net charge-offs | 136.3636% | 2,936 |
| Earnings coverage of net charge-offs (x) | 11.9033% | 1,744 |
| Efficiency ratio | 60.9817% | 5,800 |
| Assets per employee ($millions) | 3.2949% | 5,480 |
| Cash dividends to net income (ytd only)* | 53.1914% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 5,875 |
| Loan loss allowance to noncurrent loans | 163.8342% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 5,927 |
| Noncurrent loans to loans | 0.6809% | 5,842 |
| Net loans and leases to total assets | 85.0631% | 258 |
| Net loans and leases to deposits | 96.8359% | 897 |
| Net loans and leases to core deposits | 100.4163% | 1,815 |
| Total domestic deposits to total assets | 87.8425% | 2,056 |
| Equity capital to assets | 10.0937% | 4,029 |
| Core capital (leverage) ratio | 9.4183% | 4,032 |
| Tier 1 risk-based capital ratio | 10.5015% | 6,778 |
| Total risk-based capital ratio | 11.6065% | 6,856 |
| Memoranda: | ||
| Average total assets | $161,234,500 | 3,733 |
| Average earning assets | $149,413,750 | 3,693 |
| Average equity | $16,255,750 | 3,763 |
| Average total loans | $137,678,250 | 3,027 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7320% | 1,642 |
| Cost of funding earning assets | 1.6114% | 2,594 |
| Net interest margin | 4.1206% | 2,466 |
| Noninterest income to average assets | 0.3474% | 5,375 |
| Noninterest expense to average assets | 2.6352% | 5,192 |
| Loan and lease loss provision to assets | 0.0312% | 6,629 |
| Net operating income to assets | 1.5056% | 907 |
| Return on assets (ROA) | 1.5056% | 968 |
| Pretax return on assets | 1.5056% | 1,546 |
| Return on Equity (ROE) | 14.9399% | 867 |
| Retained earnings to average equity (ytd only) | 9.6706% | 924 |
| Net charge-offs to loans | 0.1936% | 4,450 |
| Credit loss provision to net charge-offs | 18.9394% | 5,865 |
| Earnings coverage of net charge-offs (x) | 9.3182% | 2,036 |
| Efficiency ratio | 61.9048% | 5,707 |
| Assets per employee ($millions) | 3.2875% | 5,458 |
| Cash dividends to net income (ytd only)* | 35.2697% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 6,302 |
| Loan loss allowance to noncurrent loans | 113.6656% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 5,495 |
| Noncurrent loans to loans | 0.9000% | 5,474 |
| Net loans and leases to total assets | 86.6963% | 183 |
| Net loans and leases to deposits | 99.1844% | 788 |
| Net loans and leases to core deposits | 103.0523% | 1,728 |
| Total domestic deposits to total assets | 87.4092% | 2,319 |
| Equity capital to assets | 10.4894% | 3,424 |
| Core capital (leverage) ratio | 9.5486% | 3,744 |
| Tier 1 risk-based capital ratio | 10.7263% | 6,505 |
| Total risk-based capital ratio | 11.7395% | 6,679 |
| Memoranda: | ||
| Average total assets | $160,064,000 | 3,792 |
| Average earning assets | $148,569,670 | 3,725 |
| Average equity | $16,131,330 | 3,772 |
| Average total loans | $136,331,330 | 3,078 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7076% | 1,750 |
| Cost of funding earning assets | 1.6634% | 2,580 |
| Net interest margin | 4.0442% | 2,677 |
| Noninterest income to average assets | 0.3424% | 5,399 |
| Noninterest expense to average assets | 2.7097% | 4,863 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3673% | 1,151 |
| Return on assets (ROA) | 1.3673% | 1,220 |
| Pretax return on assets | 1.3673% | 1,862 |
| Return on Equity (ROE) | 13.8434% | 1,081 |
| Retained earnings to average equity (ytd only) | 8.8185% | 1,452 |
| Net charge-offs to loans | 0.1005% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 16.2059% | 1,340 |
| Efficiency ratio | 65.1856% | 5,279 |
| Assets per employee ($millions) | 3.4953% | 5,042 |
| Cash dividends to net income (ytd only)* | 36.2976% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 6,035 |
| Loan loss allowance to noncurrent loans | 69.6161% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.3497% | 4,492 |
| Noncurrent loans to loans | 1.5712% | 4,387 |
| Net loans and leases to total assets | 83.6313% | 407 |
| Net loans and leases to deposits | 95.1338% | 1,211 |
| Net loans and leases to core deposits | 97.1610% | 2,436 |
| Total domestic deposits to total assets | 87.9091% | 2,111 |
| Equity capital to assets | 10.0067% | 3,867 |
| Core capital (leverage) ratio | 9.2256% | 4,180 |
| Tier 1 risk-based capital ratio | 10.3855% | 6,730 |
| Total risk-based capital ratio | 11.4484% | 6,878 |
| Memoranda: | ||
| Average total assets | $161,197,000 | 3,820 |
| Average earning assets | $148,853,500 | 3,779 |
| Average equity | $15,921,000 | 3,843 |
| Average total loans | $135,387,500 | 3,157 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0292% | 1,751 |
| Cost of funding earning assets | 2.0780% | 2,582 |
| Net interest margin | 3.9512% | 3,074 |
| Noninterest income to average assets | 0.5071% | 4,360 |
| Noninterest expense to average assets | 2.6228% | 5,706 |
| Loan and lease loss provision to assets | 0.0288% | 7,232 |
| Net operating income to assets | 1.4996% | 674 |
| Return on assets (ROA) | 1.4760% | 769 |
| Pretax return on assets | 1.4760% | 1,248 |
| Return on Equity (ROE) | 15.0922% | 656 |
| Retained earnings to average equity (ytd only) | 5.9256% | 1,378 |
| Net charge-offs to loans | 0.0864% | 6,258 |
| Credit loss provision to net charge-offs | 39.4737% | 6,831 |
| Earnings coverage of net charge-offs (x) | 20.9386% | 1,017 |
| Efficiency ratio | 61.8695% | 6,174 |
| Assets per employee ($millions) | 3.8479% | 4,148 |
| Cash dividends to net income (ytd only)* | 60.7375% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 5,759 |
| Loan loss allowance to noncurrent loans | 119.1073% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.8576% | 5,390 |
| Noncurrent loans to loans | 0.9472% | 5,417 |
| Net loans and leases to total assets | 82.4834% | 614 |
| Net loans and leases to deposits | 93.5847% | 1,654 |
| Net loans and leases to core deposits | 111.4508% | 2,754 |
| Total domestic deposits to total assets | 88.1376% | 1,904 |
| Equity capital to assets | 9.7474% | 4,073 |
| Core capital (leverage) ratio | 9.0059% | 4,409 |
| Tier 1 risk-based capital ratio | 10.1476% | 6,743 |
| Total risk-based capital ratio | 11.2378% | 6,856 |
| Memoranda: | ||
| Average total assets | $156,170,200 | 3,854 |
| Average earning assets | $144,032,200 | 3,815 |
| Average equity | $15,272,800 | 4,017 |
| Average total loans | $131,987,400 | 3,230 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0643% | 1,784 |
| Cost of funding earning assets | 2.1468% | 2,671 |
| Net interest margin | 3.9174% | 3,170 |
| Noninterest income to average assets | 0.4599% | 4,822 |
| Noninterest expense to average assets | 2.6303% | 5,600 |
| Loan and lease loss provision to assets | 0.0388% | 6,976 |
| Net operating income to assets | 1.4133% | 990 |
| Return on assets (ROA) | 1.4107% | 1,069 |
| Pretax return on assets | 1.4107% | 1,667 |
| Return on Equity (ROE) | 14.4129% | 855 |
| Retained earnings to average equity (ytd only) | 8.2536% | 1,061 |
| Net charge-offs to loans | 0.1158% | 5,527 |
| Credit loss provision to net charge-offs | 39.4737% | 6,429 |
| Earnings coverage of net charge-offs (x) | 14.7891% | 1,574 |
| Efficiency ratio | 63.1013% | 5,908 |
| Assets per employee ($millions) | 3.5722% | 4,754 |
| Cash dividends to net income (ytd only)* | 42.7350% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,530 |
| Loan loss allowance to noncurrent loans | 129.5571% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.8548% | 5,386 |
| Noncurrent loans to loans | 0.8729% | 5,544 |
| Net loans and leases to total assets | 86.5707% | 308 |
| Net loans and leases to deposits | 98.9427% | 1,219 |
| Net loans and leases to core deposits | 117.9481% | 2,419 |
| Total domestic deposits to total assets | 87.4958% | 1,892 |
| Equity capital to assets | 10.2796% | 3,754 |
| Core capital (leverage) ratio | 9.1863% | 4,357 |
| Tier 1 risk-based capital ratio | 10.3894% | 6,581 |
| Total risk-based capital ratio | 11.5046% | 6,671 |
| Memoranda: | ||
| Average total assets | $154,809,750 | 3,896 |
| Average earning assets | $143,152,250 | 3,861 |
| Average equity | $15,152,750 | 4,070 |
| Average total loans | $131,278,250 | 3,274 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0733% | 1,889 |
| Cost of funding earning assets | 2.2329% | 2,652 |
| Net interest margin | 3.8404% | 3,370 |
| Noninterest income to average assets | 0.3634% | 5,608 |
| Noninterest expense to average assets | 2.6003% | 5,739 |
| Loan and lease loss provision to assets | 0.0580% | 6,640 |
| Net operating income to assets | 1.2422% | 1,379 |
| Return on assets (ROA) | 1.2383% | 1,464 |
| Pretax return on assets | 1.2383% | 2,198 |
| Return on Equity (ROE) | 12.8645% | 1,208 |
| Retained earnings to average equity (ytd only) | 5.9035% | 2,067 |
| Net charge-offs to loans | 0.1751% | 4,486 |
| Credit loss provision to net charge-offs | 39.4737% | 5,911 |
| Earnings coverage of net charge-offs (x) | 8.8509% | 2,214 |
| Efficiency ratio | 65.2792% | 5,662 |
| Assets per employee ($millions) | 3.5313% | 4,730 |
| Cash dividends to net income (ytd only)* | 54.1103% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 5,281 |
| Loan loss allowance to noncurrent loans | 80.3487% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.3271% | 4,298 |
| Noncurrent loans to loans | 1.4292% | 4,355 |
| Net loans and leases to total assets | 84.2636% | 596 |
| Net loans and leases to deposits | 94.6073% | 2,002 |
| Net loans and leases to core deposits | 112.4251% | 3,087 |
| Total domestic deposits to total assets | 89.0667% | 1,235 |
| Equity capital to assets | 9.8128% | 4,196 |
| Core capital (leverage) ratio | 8.9559% | 4,707 |
| Tier 1 risk-based capital ratio | 10.1467% | 6,778 |
| Total risk-based capital ratio | 11.2772% | 6,817 |
| Memoranda: | ||
| Average total assets | $155,211,330 | 3,919 |
| Average earning assets | $142,954,670 | 3,879 |
| Average equity | $14,940,330 | 4,121 |
| Average total loans | $130,205,000 | 3,333 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8670% | 2,951 |
| Cost of funding earning assets | 2.3581% | 2,475 |
| Net interest margin | 3.5089% | 4,690 |
| Noninterest income to average assets | 0.2759% | 6,220 |
| Noninterest expense to average assets | 2.6224% | 5,358 |
| Loan and lease loss provision to assets | 0.0902% | 5,809 |
| Net operating income to assets | 0.7710% | 3,252 |
| Return on assets (ROA) | 0.7710% | 3,425 |
| Pretax return on assets | 0.7710% | 4,185 |
| Return on Equity (ROE) | 8.0882% | 3,104 |
| Retained earnings to average equity (ytd only) | -2.7321% | 6,226 |
| Net charge-offs to loans | 0.3564% | 2,662 |
| Credit loss provision to net charge-offs | 30.4348% | 4,944 |
| Earnings coverage of net charge-offs (x) | 2.9043% | 3,341 |
| Efficiency ratio | 73.7232% | 3,870 |
| Assets per employee ($millions) | 3.6438% | 4,470 |
| Cash dividends to net income (ytd only)* | 133.7793% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 5,073 |
| Loan loss allowance to noncurrent loans | 126.9975% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 1.1964% | 4,278 |
| Noncurrent loans to loans | 0.9108% | 5,181 |
| Net loans and leases to total assets | 84.3111% | 642 |
| Net loans and leases to deposits | 94.4949% | 2,193 |
| Net loans and leases to core deposits | 114.8549% | 2,918 |
| Total domestic deposits to total assets | 89.2229% | 1,134 |
| Equity capital to assets | 9.6264% | 4,484 |
| Core capital (leverage) ratio | 8.6759% | 5,196 |
| Tier 1 risk-based capital ratio | 9.7988% | 7,143 |
| Total risk-based capital ratio | 10.9293% | 7,190 |
| Memoranda: | ||
| Average total assets | $155,127,500 | 3,925 |
| Average earning assets | $141,809,000 | 3,919 |
| Average equity | $14,787,000 | 4,180 |
| Average total loans | $129,083,000 | 3,380 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6230% | 2,378 |
| Cost of funding earning assets | 3.0166% | 1,812 |
| Net interest margin | 3.6064% | 4,859 |
| Noninterest income to average assets | 0.6175% | 3,727 |
| Noninterest expense to average assets | 2.2698% | 6,786 |
| Loan and lease loss provision to assets | 0.6577% | 2,209 |
| Net operating income to assets | 0.9661% | 2,715 |
| Return on assets (ROA) | 1.0289% | 2,322 |
| Pretax return on assets | 1.0362% | 3,251 |
| Return on Equity (ROE) | 10.5029% | 2,083 |
| Retained earnings to average equity (ytd only) | 1.5033% | 4,324 |
| Net charge-offs to loans | 0.4532% | 2,572 |
| Credit loss provision to net charge-offs | 181.7518% | 2,755 |
| Earnings coverage of net charge-offs (x) | 4.5055% | 3,956 |
| Efficiency ratio | 56.7558% | 6,898 |
| Assets per employee ($millions) | 3.7433% | 4,071 |
| Cash dividends to net income (ytd only)* | 85.6868% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 4,185 |
| Loan loss allowance to noncurrent loans | 89.9830% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.3701% | 3,450 |
| Noncurrent loans to loans | 1.3845% | 3,749 |
| Net loans and leases to total assets | 80.1682% | 1,620 |
| Net loans and leases to deposits | 89.1162% | 3,617 |
| Net loans and leases to core deposits | 108.1444% | 3,949 |
| Total domestic deposits to total assets | 89.9591% | 659 |
| Equity capital to assets | 9.4405% | 4,770 |
| Core capital (leverage) ratio | 8.7865% | 5,061 |
| Tier 1 risk-based capital ratio | 9.8266% | 6,925 |
| Total risk-based capital ratio | 11.0130% | 6,899 |
| Memoranda: | ||
| Average total assets | $151,425,800 | 3,873 |
| Average earning assets | $137,837,400 | 3,895 |
| Average equity | $14,834,000 | 4,176 |
| Average total loans | $120,914,800 | 3,445 |