Home > Citizens Tri-County Bank > Performance and Condition Ratios
Citizens Tri-County 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 | 5.4744% | 1,200 |
| Cost of funding earning assets | 2.0500% | 847 |
| Net interest margin | 3.4244% | 2,352 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.4761% | 2,358 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2953% | 1,444 |
| Return on assets (ROA) | 1.2959% | 1,413 |
| Pretax return on assets | 1.2990% | 1,872 |
| Return on Equity (ROE) | 17.1600% | 929 |
| Retained earnings to average equity (ytd only) | 10.9665% | 798 |
| Net charge-offs to loans | 0.4779% | 219 |
| Credit loss provision to net charge-offs | 23.7534% | 2,293 |
| Earnings coverage of net charge-offs (x) | 4.4127% | 2,590 |
| Efficiency ratio | 64.0594% | 2,597 |
| Assets per employee ($millions) | 4.4464% | 3,976 |
| Cash dividends to net income (ytd only)* | 36.0794% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0578% | 344 |
| Loan loss allowance to noncurrent loans | 335.1176% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4104% | 1,353 |
| Noncurrent loans to loans | 0.6141% | 1,287 |
| Net loans and leases to total assets | 64.7700% | 2,393 |
| Net loans and leases to deposits | 70.8067% | 2,830 |
| Net loans and leases to core deposits | 76.8517% | 2,921 |
| Total domestic deposits to total assets | 91.4800% | 396 |
| Equity capital to assets | 7.6117% | 3,653 |
| Core capital (leverage) ratio | 9.2987% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,283,314,200 | 814 |
| Average earning assets | $1,202,734,200 | 795 |
| Average equity | $96,931,400 | 968 |
| Average total loans | $835,051,600 | 834 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3243% | 1,252 |
| Cost of funding earning assets | 1.9173% | 836 |
| Net interest margin | 3.4069% | 2,438 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.6792% | 1,724 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 1.1775% | 1,856 |
| Return on assets (ROA) | 1.1783% | 1,837 |
| Pretax return on assets | 1.1808% | 2,343 |
| Return on Equity (ROE) | 15.6300% | 1,321 |
| Retained earnings to average equity (ytd only) | 15.6313% | 496 |
| Net charge-offs to loans | 0.0883% | 858 |
| Credit loss provision to net charge-offs | -85.7143% | 4,521 |
| Earnings coverage of net charge-offs (x) | 19.7582% | 1,826 |
| Efficiency ratio | 70.0308% | 1,775 |
| Assets per employee ($millions) | 4.3467% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4419% | 212 |
| Loan loss allowance to noncurrent loans | 288.6702% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 1,013 |
| Noncurrent loans to loans | 0.8459% | 978 |
| Net loans and leases to total assets | 65.3700% | 2,303 |
| Net loans and leases to deposits | 71.2955% | 2,756 |
| Net loans and leases to core deposits | 77.1905% | 2,783 |
| Total domestic deposits to total assets | 91.6800% | 524 |
| Equity capital to assets | 7.3356% | 3,450 |
| Core capital (leverage) ratio | 9.5695% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,271,774,500 | 825 |
| Average earning assets | $1,191,222,750 | 805 |
| Average equity | $95,865,250 | 972 |
| Average total loans | $824,009,750 | 844 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1695% | 1,261 |
| Cost of funding earning assets | 1.7465% | 821 |
| Net interest margin | 3.4230% | 2,466 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.3457% | 2,665 |
| Loan and lease loss provision to assets | -0.1000% | 4,565 |
| Net operating income to assets | 1.5581% | 1,009 |
| Return on assets (ROA) | 1.5581% | 1,004 |
| Pretax return on assets | 1.5600% | 1,477 |
| Return on Equity (ROE) | 20.4800% | 660 |
| Retained earnings to average equity (ytd only) | 20.4834% | 235 |
| Net charge-offs to loans | 0.0666% | 887 |
| Credit loss provision to net charge-offs | -241.1111% | 4,570 |
| Earnings coverage of net charge-offs (x) | 34.1444% | 1,486 |
| Efficiency ratio | 61.3924% | 2,790 |
| Assets per employee ($millions) | 4.3493% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5421% | 206 |
| Loan loss allowance to noncurrent loans | 424.2152% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 1,308 |
| Noncurrent loans to loans | 0.5992% | 1,242 |
| Net loans and leases to total assets | 63.8200% | 2,401 |
| Net loans and leases to deposits | 69.7188% | 2,804 |
| Net loans and leases to core deposits | 74.6756% | 2,847 |
| Total domestic deposits to total assets | 91.5500% | 498 |
| Equity capital to assets | 7.5773% | 3,480 |
| Core capital (leverage) ratio | 9.5113% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,265,371,333 | 815 |
| Average earning assets | $1,183,939,000 | 797 |
| Average equity | $96,253,333 | 964 |
| Average total loans | $810,354,667 | 838 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9211% | 1,375 |
| Cost of funding earning assets | 1.4993% | 847 |
| Net interest margin | 3.4218% | 2,581 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.1569% | 3,236 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.6084% | 967 |
| Return on assets (ROA) | 1.6084% | 964 |
| Pretax return on assets | 1.6093% | 1,437 |
| Return on Equity (ROE) | 21.1000% | 652 |
| Retained earnings to average equity (ytd only) | 21.1031% | 315 |
| Net charge-offs to loans | 0.1082% | 566 |
| Credit loss provision to net charge-offs | -194.4444% | 4,606 |
| Earnings coverage of net charge-offs (x) | 23.8565% | 1,398 |
| Efficiency ratio | 56.5930% | 3,344 |
| Assets per employee ($millions) | 4.4033% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6817% | 185 |
| Loan loss allowance to noncurrent loans | 440.9352% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 1,284 |
| Noncurrent loans to loans | 0.6082% | 1,228 |
| Net loans and leases to total assets | 61.3100% | 2,531 |
| Net loans and leases to deposits | 66.6816% | 2,875 |
| Net loans and leases to core deposits | 70.8522% | 2,890 |
| Total domestic deposits to total assets | 91.9500% | 529 |
| Equity capital to assets | 7.3232% | 3,662 |
| Core capital (leverage) ratio | 9.1884% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,260,884,000 | 836 |
| Average earning assets | $1,178,915,000 | 818 |
| Average equity | $96,099,500 | 980 |
| Average total loans | $798,252,500 | 862 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 1,311 |
| Cost of funding earning assets | 0.6569% | 700 |
| Net interest margin | 3.5126% | 1,889 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.2368% | 2,928 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.6767% | 566 |
| Return on assets (ROA) | 1.6816% | 529 |
| Pretax return on assets | 1.6833% | 960 |
| Return on Equity (ROE) | 19.8600% | 496 |
| Retained earnings to average equity (ytd only) | 9.2942% | 1,390 |
| Net charge-offs to loans | 0.0153% | 1,818 |
| Credit loss provision to net charge-offs | 536.6071% | 649 |
| Earnings coverage of net charge-offs (x) | 189.6518% | 674 |
| Efficiency ratio | 56.1409% | 3,570 |
| Assets per employee ($millions) | 4.3225% | 4,132 |
| Cash dividends to net income (ytd only)* | 53.1941% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 1,500 |
| Loan loss allowance to noncurrent loans | 209.8756% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 1,173 |
| Noncurrent loans to loans | 0.6676% | 1,117 |
| Net loans and leases to total assets | 62.7300% | 2,355 |
| Net loans and leases to deposits | 68.5948% | 2,695 |
| Net loans and leases to core deposits | 72.5256% | 2,684 |
| Total domestic deposits to total assets | 91.4500% | 793 |
| Equity capital to assets | 7.9255% | 3,099 |
| Core capital (leverage) ratio | 9.1791% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,229,715,000 | 842 |
| Average earning assets | $1,150,868,400 | 825 |
| Average equity | $104,140,000 | 919 |
| Average total loans | $732,719,200 | 870 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 1,364 |
| Cost of funding earning assets | 0.4800% | 839 |
| Net interest margin | 3.4673% | 1,758 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.1755% | 2,992 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.7029% | 528 |
| Return on assets (ROA) | 1.7095% | 507 |
| Pretax return on assets | 1.7114% | 879 |
| Return on Equity (ROE) | 19.8600% | 444 |
| Retained earnings to average equity (ytd only) | 17.3316% | 192 |
| Net charge-offs to loans | 0.0093% | 1,783 |
| Credit loss provision to net charge-offs | 1,174.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 324.9800% | 446 |
| Efficiency ratio | 54.8684% | 3,739 |
| Assets per employee ($millions) | 4.3030% | 4,173 |
| Cash dividends to net income (ytd only)* | 12.7356% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,360 |
| Loan loss allowance to noncurrent loans | 216.8282% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 1,234 |
| Noncurrent loans to loans | 0.6819% | 1,197 |
| Net loans and leases to total assets | 60.1300% | 2,489 |
| Net loans and leases to deposits | 65.9743% | 2,722 |
| Net loans and leases to core deposits | 69.6974% | 2,661 |
| Total domestic deposits to total assets | 91.1400% | 1,178 |
| Equity capital to assets | 8.1463% | 2,796 |
| Core capital (leverage) ratio | 9.5603% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,224,840,500 | 848 |
| Average earning assets | $1,148,016,000 | 828 |
| Average equity | $105,423,250 | 922 |
| Average total loans | $717,203,750 | 881 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7594% | 1,400 |
| Cost of funding earning assets | 0.3607% | 1,188 |
| Net interest margin | 3.3987% | 1,612 |
| Noninterest income to average assets | 0.6901% | 1,384 |
| Noninterest expense to average assets | 2.1158% | 3,106 |
| Loan and lease loss provision to assets | 0.0677% | 1,402 |
| Net operating income to assets | 1.6901% | 436 |
| Return on assets (ROA) | 1.6983% | 425 |
| Pretax return on assets | 1.7001% | 752 |
| Return on Equity (ROE) | 19.3803% | 355 |
| Retained earnings to average equity (ytd only) | 19.3803% | 87 |
| Net charge-offs to loans | -0.0122% | 3,658 |
| Credit loss provision to net charge-offs | -960.4651% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2997% | 3,935 |
| Assets per employee ($millions) | 4.3134% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 1,336 |
| Loan loss allowance to noncurrent loans | 231.6987% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 1,360 |
| Noncurrent loans to loans | 0.6595% | 1,299 |
| Net loans and leases to total assets | 58.2050% | 2,510 |
| Net loans and leases to deposits | 63.8072% | 2,740 |
| Net loans and leases to core deposits | 67.3392% | 2,711 |
| Total domestic deposits to total assets | 91.2201% | 1,142 |
| Equity capital to assets | 8.1265% | 3,025 |
| Core capital (leverage) ratio | 9.3204% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,220,031,000 | 846 |
| Average earning assets | $1,143,439,667 | 836 |
| Average equity | $106,912,667 | 922 |
| Average total loans | $704,149,667 | 879 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 1,473 |
| Cost of funding earning assets | 0.3498% | 1,202 |
| Net interest margin | 3.2627% | 1,675 |
| Noninterest income to average assets | 0.7046% | 1,305 |
| Noninterest expense to average assets | 2.0813% | 3,216 |
| Loan and lease loss provision to assets | 0.0507% | 1,464 |
| Net operating income to assets | 1.6350% | 470 |
| Return on assets (ROA) | 1.6350% | 470 |
| Pretax return on assets | 1.6364% | 778 |
| Return on Equity (ROE) | 17.9970% | 344 |
| Retained earnings to average equity (ytd only) | 17.9970% | 144 |
| Net charge-offs to loans | -0.0185% | 3,873 |
| Credit loss provision to net charge-offs | -481.2500% | 3,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9258% | 3,987 |
| Assets per employee ($millions) | 4.3504% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 1,380 |
| Loan loss allowance to noncurrent loans | 197.2865% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.4696% | 1,293 |
| Noncurrent loans to loans | 0.7907% | 1,200 |
| Net loans and leases to total assets | 55.3302% | 2,598 |
| Net loans and leases to deposits | 60.9772% | 2,813 |
| Net loans and leases to core deposits | 64.3997% | 2,765 |
| Total domestic deposits to total assets | 90.7391% | 1,164 |
| Equity capital to assets | 8.6652% | 3,014 |
| Core capital (leverage) ratio | 9.1944% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,215,383,500 | 852 |
| Average earning assets | $1,141,273,000 | 844 |
| Average equity | $110,418,500 | 927 |
| Average total loans | $692,908,500 | 888 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 1,098 |
| Cost of funding earning assets | 0.4246% | 1,363 |
| Net interest margin | 3.7148% | 1,178 |
| Noninterest income to average assets | 0.8774% | 1,265 |
| Noninterest expense to average assets | 2.3437% | 2,674 |
| Loan and lease loss provision to assets | 0.0915% | 1,363 |
| Net operating income to assets | 1.8601% | 448 |
| Return on assets (ROA) | 1.8609% | 472 |
| Pretax return on assets | 1.8828% | 759 |
| Return on Equity (ROE) | 18.9583% | 384 |
| Retained earnings to average equity (ytd only) | 10.9138% | 719 |
| Net charge-offs to loans | -0.0475% | 4,310 |
| Credit loss provision to net charge-offs | -337.5405% | 3,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9537% | 3,931 |
| Assets per employee ($millions) | 4.2840% | 4,277 |
| Cash dividends to net income (ytd only)* | 42.4328% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 1,426 |
| Loan loss allowance to noncurrent loans | 331.2694% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 2,139 |
| Noncurrent loans to loans | 0.4649% | 1,972 |
| Net loans and leases to total assets | 56.9524% | 2,483 |
| Net loans and leases to deposits | 63.3784% | 2,745 |
| Net loans and leases to core deposits | 67.0071% | 2,731 |
| Total domestic deposits to total assets | 89.8609% | 1,024 |
| Equity capital to assets | 9.5191% | 3,132 |
| Core capital (leverage) ratio | 9.0923% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,139,762,000 | 868 |
| Average earning assets | $1,055,420,200 | 862 |
| Average equity | $111,877,000 | 925 |
| Average total loans | $650,540,200 | 936 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2461% | 1,034 |
| Cost of funding earning assets | 0.4393% | 1,422 |
| Net interest margin | 3.8067% | 1,103 |
| Noninterest income to average assets | 0.7559% | 1,654 |
| Noninterest expense to average assets | 2.3553% | 2,585 |
| Loan and lease loss provision to assets | 0.1005% | 1,197 |
| Net operating income to assets | 1.8124% | 650 |
| Return on assets (ROA) | 1.8135% | 675 |
| Pretax return on assets | 1.8136% | 1,134 |
| Return on Equity (ROE) | 18.3284% | 592 |
| Retained earnings to average equity (ytd only) | 15.3363% | 354 |
| Net charge-offs to loans | -0.0117% | 3,735 |
| Credit loss provision to net charge-offs | -1,514.2857% | 3,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8373% | 3,687 |
| Assets per employee ($millions) | 4.1928% | 4,334 |
| Cash dividends to net income (ytd only)* | 16.3249% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 1,456 |
| Loan loss allowance to noncurrent loans | 339.2881% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 2,333 |
| Noncurrent loans to loans | 0.4575% | 2,190 |
| Net loans and leases to total assets | 55.4908% | 2,789 |
| Net loans and leases to deposits | 62.1953% | 3,017 |
| Net loans and leases to core deposits | 66.6326% | 2,899 |
| Total domestic deposits to total assets | 89.2201% | 1,161 |
| Equity capital to assets | 10.0489% | 2,858 |
| Core capital (leverage) ratio | 9.3108% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,125,891,500 | 885 |
| Average earning assets | $1,038,833,000 | 883 |
| Average equity | $111,402,000 | 940 |
| Average total loans | $640,333,500 | 961 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 741 |
| Cost of funding earning assets | 0.4549% | 1,488 |
| Net interest margin | 4.0319% | 778 |
| Noninterest income to average assets | 0.7618% | 1,641 |
| Noninterest expense to average assets | 2.4505% | 2,307 |
| Loan and lease loss provision to assets | 0.1271% | 986 |
| Net operating income to assets | 1.8893% | 606 |
| Return on assets (ROA) | 1.8908% | 626 |
| Pretax return on assets | 1.8913% | 1,038 |
| Return on Equity (ROE) | 19.2140% | 521 |
| Retained earnings to average equity (ytd only) | 19.2140% | 179 |
| Net charge-offs to loans | 0.0098% | 1,781 |
| Credit loss provision to net charge-offs | 2,280.6452% | 261 |
| Earnings coverage of net charge-offs (x) | 361.9677% | 328 |
| Efficiency ratio | 54.5224% | 3,740 |
| Assets per employee ($millions) | 4.1238% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 1,334 |
| Loan loss allowance to noncurrent loans | 370.8070% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 2,402 |
| Noncurrent loans to loans | 0.4254% | 2,405 |
| Net loans and leases to total assets | 54.2662% | 3,102 |
| Net loans and leases to deposits | 60.7663% | 3,322 |
| Net loans and leases to core deposits | 65.3261% | 3,171 |
| Total domestic deposits to total assets | 89.3031% | 1,137 |
| Equity capital to assets | 9.9912% | 2,858 |
| Core capital (leverage) ratio | 9.1743% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,112,659,667 | 886 |
| Average earning assets | $1,022,637,667 | 889 |
| Average equity | $109,493,000 | 951 |
| Average total loans | $634,780,667 | 973 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 932 |
| Cost of funding earning assets | 0.4692% | 1,596 |
| Net interest margin | 3.9155% | 959 |
| Noninterest income to average assets | 0.7637% | 1,676 |
| Noninterest expense to average assets | 2.2581% | 2,915 |
| Loan and lease loss provision to assets | 0.2603% | 390 |
| Net operating income to assets | 1.8383% | 735 |
| Return on assets (ROA) | 1.8412% | 785 |
| Pretax return on assets | 1.8427% | 1,211 |
| Return on Equity (ROE) | 18.8615% | 640 |
| Retained earnings to average equity (ytd only) | 18.8615% | 323 |
| Net charge-offs to loans | 0.0189% | 1,362 |
| Credit loss provision to net charge-offs | 2,376.6667% | 219 |
| Earnings coverage of net charge-offs (x) | 191.7667% | 413 |
| Efficiency ratio | 51.4700% | 4,050 |
| Assets per employee ($millions) | 4.0342% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 1,357 |
| Loan loss allowance to noncurrent loans | 208.9196% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 1,899 |
| Noncurrent loans to loans | 0.7543% | 1,730 |
| Net loans and leases to total assets | 55.1681% | 3,130 |
| Net loans and leases to deposits | 61.4451% | 3,370 |
| Net loans and leases to core deposits | 66.2855% | 3,216 |
| Total domestic deposits to total assets | 89.7843% | 918 |
| Equity capital to assets | 9.6062% | 3,097 |
| Core capital (leverage) ratio | 9.2052% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,095,780,500 | 890 |
| Average earning assets | $1,005,941,500 | 893 |
| Average equity | $106,969,000 | 956 |
| Average total loans | $636,127,000 | 968 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 1,407 |
| Cost of funding earning assets | 0.7160% | 1,640 |
| Net interest margin | 3.7450% | 1,653 |
| Noninterest income to average assets | 0.8110% | 1,499 |
| Noninterest expense to average assets | 2.5101% | 2,815 |
| Loan and lease loss provision to assets | 0.1287% | 2,753 |
| Net operating income to assets | 1.5667% | 686 |
| Return on assets (ROA) | 1.5661% | 748 |
| Pretax return on assets | 1.5658% | 1,145 |
| Return on Equity (ROE) | 15.6436% | 546 |
| Retained earnings to average equity (ytd only) | 10.1158% | 562 |
| Net charge-offs to loans | 0.1256% | 1,249 |
| Credit loss provision to net charge-offs | 168.2895% | 2,327 |
| Earnings coverage of net charge-offs (x) | 22.1671% | 1,866 |
| Efficiency ratio | 59.2966% | 3,552 |
| Assets per employee ($millions) | 3.7133% | 4,557 |
| Cash dividends to net income (ytd only)* | 35.3357% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 1,758 |
| Loan loss allowance to noncurrent loans | 174.9812% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 1,751 |
| Noncurrent loans to loans | 0.8311% | 1,685 |
| Net loans and leases to total assets | 59.3055% | 2,948 |
| Net loans and leases to deposits | 66.3221% | 3,239 |
| Net loans and leases to core deposits | 71.8158% | 3,092 |
| Total domestic deposits to total assets | 89.4204% | 800 |
| Equity capital to assets | 9.9275% | 3,199 |
| Core capital (leverage) ratio | 9.1437% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $993,890,400 | 889 |
| Average earning assets | $900,807,800 | 901 |
| Average equity | $99,497,800 | 962 |
| Average total loans | $604,923,200 | 969 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 1,531 |
| Cost of funding earning assets | 0.7768% | 1,603 |
| Net interest margin | 3.7385% | 1,802 |
| Noninterest income to average assets | 0.8083% | 1,462 |
| Noninterest expense to average assets | 2.5073% | 2,814 |
| Loan and lease loss provision to assets | 0.1011% | 3,053 |
| Net operating income to assets | 1.5469% | 817 |
| Return on assets (ROA) | 1.5457% | 896 |
| Pretax return on assets | 1.5771% | 1,252 |
| Return on Equity (ROE) | 15.4055% | 627 |
| Retained earnings to average equity (ytd only) | 13.3650% | 299 |
| Net charge-offs to loans | 0.0805% | 1,497 |
| Credit loss provision to net charge-offs | 205.8333% | 2,095 |
| Earnings coverage of net charge-offs (x) | 34.1806% | 1,484 |
| Efficiency ratio | 59.4817% | 3,455 |
| Assets per employee ($millions) | 3.6414% | 4,589 |
| Cash dividends to net income (ytd only)* | 13.2450% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,531 |
| Loan loss allowance to noncurrent loans | 139.6097% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7470% | 1,557 |
| Noncurrent loans to loans | 1.0394% | 1,441 |
| Net loans and leases to total assets | 60.9955% | 3,110 |
| Net loans and leases to deposits | 68.6417% | 3,420 |
| Net loans and leases to core deposits | 74.6748% | 3,269 |
| Total domestic deposits to total assets | 88.8608% | 832 |
| Equity capital to assets | 10.3131% | 2,947 |
| Core capital (leverage) ratio | 9.3507% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $976,864,000 | 882 |
| Average earning assets | $882,796,250 | 906 |
| Average equity | $98,014,750 | 970 |
| Average total loans | $596,374,750 | 976 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 1,844 |
| Cost of funding earning assets | 0.8443% | 1,620 |
| Net interest margin | 3.6810% | 2,239 |
| Noninterest income to average assets | 0.7903% | 1,465 |
| Noninterest expense to average assets | 2.5559% | 2,809 |
| Loan and lease loss provision to assets | 0.0549% | 3,616 |
| Net operating income to assets | 1.4535% | 1,011 |
| Return on assets (ROA) | 1.4521% | 1,101 |
| Pretax return on assets | 1.5034% | 1,447 |
| Return on Equity (ROE) | 14.6159% | 768 |
| Retained earnings to average equity (ytd only) | 14.6159% | 241 |
| Net charge-offs to loans | 0.0725% | 1,525 |
| Credit loss provision to net charge-offs | 124.5283% | 2,259 |
| Earnings coverage of net charge-offs (x) | 35.4104% | 1,324 |
| Efficiency ratio | 61.6891% | 3,171 |
| Assets per employee ($millions) | 3.6172% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 1,373 |
| Loan loss allowance to noncurrent loans | 115.7770% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.9289% | 1,321 |
| Noncurrent loans to loans | 1.2640% | 1,231 |
| Net loans and leases to total assets | 58.9008% | 3,433 |
| Net loans and leases to deposits | 66.1099% | 3,711 |
| Net loans and leases to core deposits | 71.9211% | 3,594 |
| Total domestic deposits to total assets | 89.0953% | 714 |
| Equity capital to assets | 10.1000% | 3,109 |
| Core capital (leverage) ratio | 9.1519% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $962,619,000 | 886 |
| Average earning assets | $869,607,667 | 901 |
| Average equity | $95,635,667 | 978 |
| Average total loans | $584,810,667 | 981 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 1,393 |
| Cost of funding earning assets | 0.9704% | 1,563 |
| Net interest margin | 3.8387% | 1,852 |
| Noninterest income to average assets | 0.8338% | 1,212 |
| Noninterest expense to average assets | 2.6887% | 2,741 |
| Loan and lease loss provision to assets | 0.0187% | 3,557 |
| Net operating income to assets | 1.5151% | 754 |
| Return on assets (ROA) | 1.5147% | 825 |
| Pretax return on assets | 1.5892% | 1,083 |
| Return on Equity (ROE) | 15.3834% | 503 |
| Retained earnings to average equity (ytd only) | 15.3834% | 172 |
| Net charge-offs to loans | 0.0778% | 1,246 |
| Credit loss provision to net charge-offs | 39.2857% | 2,101 |
| Earnings coverage of net charge-offs (x) | 33.7232% | 1,110 |
| Efficiency ratio | 62.1643% | 3,481 |
| Assets per employee ($millions) | 3.4334% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 1,311 |
| Loan loss allowance to noncurrent loans | 89.3139% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.1903% | 1,052 |
| Noncurrent loans to loans | 1.6896% | 899 |
| Net loans and leases to total assets | 59.7656% | 3,523 |
| Net loans and leases to deposits | 66.8538% | 3,806 |
| Net loans and leases to core deposits | 73.2685% | 3,681 |
| Total domestic deposits to total assets | 89.3974% | 511 |
| Equity capital to assets | 9.7949% | 3,960 |
| Core capital (leverage) ratio | 9.3702% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $939,332,000 | 879 |
| Average earning assets | $847,463,500 | 891 |
| Average equity | $92,489,500 | 1,006 |
| Average total loans | $575,590,500 | 972 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4279% | 633 |
| Cost of funding earning assets | 1.1475% | 1,164 |
| Net interest margin | 4.2803% | 1,134 |
| Noninterest income to average assets | 0.9961% | 981 |
| Noninterest expense to average assets | 2.7776% | 2,678 |
| Loan and lease loss provision to assets | 0.1511% | 1,409 |
| Net operating income to assets | 1.8279% | 500 |
| Return on assets (ROA) | 1.8272% | 521 |
| Pretax return on assets | 1.8762% | 787 |
| Return on Equity (ROE) | 17.7109% | 362 |
| Retained earnings to average equity (ytd only) | -6.0970% | 5,007 |
| Net charge-offs to loans | 0.1696% | 1,191 |
| Credit loss provision to net charge-offs | 141.0845% | 1,835 |
| Earnings coverage of net charge-offs (x) | 18.9416% | 2,025 |
| Efficiency ratio | 57.4157% | 4,034 |
| Assets per employee ($millions) | 3.2778% | 4,659 |
| Cash dividends to net income (ytd only)* | 134.4250% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5287% | 1,145 |
| Loan loss allowance to noncurrent loans | 89.4142% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.2298% | 940 |
| Noncurrent loans to loans | 1.7097% | 807 |
| Net loans and leases to total assets | 60.9408% | 3,509 |
| Net loans and leases to deposits | 68.2155% | 3,802 |
| Net loans and leases to core deposits | 75.2007% | 3,635 |
| Total domestic deposits to total assets | 89.3357% | 546 |
| Equity capital to assets | 9.8990% | 4,011 |
| Core capital (leverage) ratio | 9.2353% | 4,336 |
| Tier 1 risk-based capital ratio | 17.0939% | 2,024 |
| Total risk-based capital ratio | 18.3507% | 1,954 |
| Memoranda: | ||
| Average total assets | $895,700,600 | 878 |
| Average earning assets | $797,182,400 | 910 |
| Average equity | $92,406,200 | 953 |
| Average total loans | $565,426,400 | 958 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 629 |
| Cost of funding earning assets | 1.1769% | 1,089 |
| Net interest margin | 4.2874% | 1,187 |
| Noninterest income to average assets | 1.0251% | 889 |
| Noninterest expense to average assets | 2.7108% | 2,835 |
| Loan and lease loss provision to assets | 0.1790% | 1,026 |
| Net operating income to assets | 1.8739% | 530 |
| Return on assets (ROA) | 1.8729% | 552 |
| Pretax return on assets | 1.9364% | 794 |
| Return on Equity (ROE) | 17.9643% | 394 |
| Retained earnings to average equity (ytd only) | -1.4838% | 4,895 |
| Net charge-offs to loans | 0.1858% | 929 |
| Credit loss provision to net charge-offs | 151.8471% | 1,615 |
| Earnings coverage of net charge-offs (x) | 17.9516% | 2,071 |
| Efficiency ratio | 55.7699% | 4,185 |
| Assets per employee ($millions) | 3.2184% | 4,739 |
| Cash dividends to net income (ytd only)* | 108.2598% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 1,167 |
| Loan loss allowance to noncurrent loans | 90.4963% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.3558% | 874 |
| Noncurrent loans to loans | 1.6891% | 865 |
| Net loans and leases to total assets | 62.3837% | 3,454 |
| Net loans and leases to deposits | 70.4588% | 3,740 |
| Net loans and leases to core deposits | 77.3967% | 3,599 |
| Total domestic deposits to total assets | 88.5393% | 806 |
| Equity capital to assets | 10.5738% | 3,484 |
| Core capital (leverage) ratio | 9.8534% | 3,779 |
| Tier 1 risk-based capital ratio | 17.8345% | 1,867 |
| Total risk-based capital ratio | 19.0910% | 1,807 |
| Memoranda: | ||
| Average total assets | $887,722,000 | 887 |
| Average earning assets | $787,277,000 | 919 |
| Average equity | $92,551,500 | 957 |
| Average total loans | $563,265,000 | 957 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4360% | 630 |
| Cost of funding earning assets | 1.1703% | 1,074 |
| Net interest margin | 4.2657% | 1,207 |
| Noninterest income to average assets | 1.1261% | 667 |
| Noninterest expense to average assets | 2.6126% | 3,168 |
| Loan and lease loss provision to assets | 0.1489% | 1,234 |
| Net operating income to assets | 1.9947% | 390 |
| Return on assets (ROA) | 1.9932% | 412 |
| Pretax return on assets | 2.1282% | 518 |
| Return on Equity (ROE) | 19.2117% | 304 |
| Retained earnings to average equity (ytd only) | -10.3246% | 5,185 |
| Net charge-offs to loans | 0.1355% | 1,115 |
| Credit loss provision to net charge-offs | 173.0871% | 1,350 |
| Earnings coverage of net charge-offs (x) | 26.4881% | 1,569 |
| Efficiency ratio | 53.0326% | 4,560 |
| Assets per employee ($millions) | 3.2511% | 4,739 |
| Cash dividends to net income (ytd only)* | 153.7410% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 1,220 |
| Loan loss allowance to noncurrent loans | 77.8547% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.3436% | 924 |
| Noncurrent loans to loans | 1.9481% | 745 |
| Net loans and leases to total assets | 62.2108% | 3,520 |
| Net loans and leases to deposits | 69.9435% | 3,848 |
| Net loans and leases to core deposits | 76.4937% | 3,684 |
| Total domestic deposits to total assets | 88.9443% | 684 |
| Equity capital to assets | 10.1973% | 3,793 |
| Core capital (leverage) ratio | 9.4885% | 4,152 |
| Tier 1 risk-based capital ratio | 17.7330% | 1,873 |
| Total risk-based capital ratio | 18.9901% | 1,825 |
| Memoranda: | ||
| Average total assets | $881,099,670 | 889 |
| Average earning assets | $777,737,670 | 927 |
| Average equity | $91,413,000 | 962 |
| Average total loans | $559,361,000 | 963 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3147% | 736 |
| Cost of funding earning assets | 1.1158% | 1,140 |
| Net interest margin | 4.1989% | 1,305 |
| Noninterest income to average assets | 0.8642% | 1,132 |
| Noninterest expense to average assets | 2.5612% | 3,335 |
| Loan and lease loss provision to assets | 0.0832% | 2,041 |
| Net operating income to assets | 1.8148% | 561 |
| Return on assets (ROA) | 1.8148% | 577 |
| Pretax return on assets | 1.9353% | 733 |
| Return on Equity (ROE) | 17.3379% | 459 |
| Retained earnings to average equity (ytd only) | 17.3379% | 171 |
| Net charge-offs to loans | 0.1380% | 918 |
| Credit loss provision to net charge-offs | 94.7644% | 1,674 |
| Earnings coverage of net charge-offs (x) | 22.9791% | 1,480 |
| Efficiency ratio | 55.5132% | 4,389 |
| Assets per employee ($millions) | 3.2188% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 1,287 |
| Loan loss allowance to noncurrent loans | 97.0554% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.0544% | 1,317 |
| Noncurrent loans to loans | 1.5606% | 1,022 |
| Net loans and leases to total assets | 61.4976% | 3,549 |
| Net loans and leases to deposits | 68.8584% | 3,852 |
| Net loans and leases to core deposits | 74.9443% | 3,737 |
| Total domestic deposits to total assets | 89.3103% | 723 |
| Equity capital to assets | 9.9109% | 3,911 |
| Core capital (leverage) ratio | 9.4774% | 4,158 |
| Tier 1 risk-based capital ratio | 17.5621% | 1,924 |
| Total risk-based capital ratio | 18.8188% | 1,876 |
| Memoranda: | ||
| Average total assets | $869,745,500 | 902 |
| Average earning assets | $769,639,000 | 937 |
| Average equity | $91,037,500 | 956 |
| Average total loans | $553,579,000 | 974 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1995% | 702 |
| Cost of funding earning assets | 0.7882% | 1,588 |
| Net interest margin | 4.4113% | 912 |
| Noninterest income to average assets | 0.8275% | 1,378 |
| Noninterest expense to average assets | 2.6609% | 3,150 |
| Loan and lease loss provision to assets | 0.2193% | 822 |
| Net operating income to assets | 1.7797% | 580 |
| Return on assets (ROA) | 1.7881% | 563 |
| Pretax return on assets | 1.8795% | 753 |
| Return on Equity (ROE) | 17.3337% | 458 |
| Retained earnings to average equity (ytd only) | 16.1848% | 84 |
| Net charge-offs to loans | 0.1501% | 1,280 |
| Credit loss provision to net charge-offs | 234.7716% | 1,260 |
| Earnings coverage of net charge-offs (x) | 22.3794% | 1,905 |
| Efficiency ratio | 55.5966% | 4,458 |
| Assets per employee ($millions) | 3.0842% | 4,937 |
| Cash dividends to net income (ytd only)* | 6.6282% | 3,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 1,256 |
| Loan loss allowance to noncurrent loans | 101.4647% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.0175% | 1,342 |
| Noncurrent loans to loans | 1.4900% | 1,023 |
| Net loans and leases to total assets | 63.9157% | 3,371 |
| Net loans and leases to deposits | 72.4531% | 3,631 |
| Net loans and leases to core deposits | 78.9878% | 3,502 |
| Total domestic deposits to total assets | 88.2167% | 1,207 |
| Equity capital to assets | 11.0435% | 2,644 |
| Core capital (leverage) ratio | 10.5993% | 2,928 |
| Tier 1 risk-based capital ratio | 19.1228% | 1,495 |
| Total risk-based capital ratio | 20.3796% | 1,457 |
| Memoranda: | ||
| Average total assets | $843,766,800 | 903 |
| Average earning assets | $750,458,200 | 934 |
| Average equity | $87,038,600 | 961 |
| Average total loans | $524,826,000 | 1,001 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1292% | 716 |
| Cost of funding earning assets | 0.7261% | 1,716 |
| Net interest margin | 4.4031% | 893 |
| Noninterest income to average assets | 0.8149% | 1,424 |
| Noninterest expense to average assets | 2.6283% | 3,203 |
| Loan and lease loss provision to assets | 0.1546% | 1,264 |
| Net operating income to assets | 1.8258% | 578 |
| Return on assets (ROA) | 1.8368% | 567 |
| Pretax return on assets | 1.9610% | 695 |
| Return on Equity (ROE) | 18.1316% | 415 |
| Retained earnings to average equity (ytd only) | 16.5669% | 120 |
| Net charge-offs to loans | 0.1018% | 1,469 |
| Credit loss provision to net charge-offs | 246.8354% | 1,194 |
| Earnings coverage of net charge-offs (x) | 33.6002% | 1,510 |
| Efficiency ratio | 55.1268% | 4,494 |
| Assets per employee ($millions) | 3.0734% | 4,984 |
| Cash dividends to net income (ytd only)* | 8.6296% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,461 |
| Loan loss allowance to noncurrent loans | 94.3734% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.0871% | 1,324 |
| Noncurrent loans to loans | 1.5552% | 1,029 |
| Net loans and leases to total assets | 62.9810% | 3,547 |
| Net loans and leases to deposits | 71.1324% | 3,839 |
| Net loans and leases to core deposits | 77.1934% | 3,722 |
| Total domestic deposits to total assets | 88.5406% | 1,035 |
| Equity capital to assets | 10.6449% | 2,994 |
| Core capital (leverage) ratio | 10.2763% | 3,327 |
| Tier 1 risk-based capital ratio | 18.7345% | 1,604 |
| Total risk-based capital ratio | 19.9904% | 1,568 |
| Memoranda: | ||
| Average total assets | $841,130,000 | 901 |
| Average earning assets | $748,304,500 | 936 |
| Average equity | $85,211,750 | 976 |
| Average total loans | $517,426,750 | 1,010 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0653% | 707 |
| Cost of funding earning assets | 0.6823% | 1,725 |
| Net interest margin | 4.3831% | 883 |
| Noninterest income to average assets | 0.7940% | 1,490 |
| Noninterest expense to average assets | 2.5944% | 3,344 |
| Loan and lease loss provision to assets | 0.1867% | 952 |
| Net operating income to assets | 1.7911% | 589 |
| Return on assets (ROA) | 1.8019% | 582 |
| Pretax return on assets | 1.9225% | 730 |
| Return on Equity (ROE) | 18.0929% | 410 |
| Retained earnings to average equity (ytd only) | 15.7044% | 170 |
| Net charge-offs to loans | 0.0991% | 1,363 |
| Credit loss provision to net charge-offs | 310.2767% | 981 |
| Earnings coverage of net charge-offs (x) | 34.8577% | 1,390 |
| Efficiency ratio | 54.8768% | 4,596 |
| Assets per employee ($millions) | 3.1189% | 4,998 |
| Cash dividends to net income (ytd only)* | 13.2013% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,425 |
| Loan loss allowance to noncurrent loans | 102.8556% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0835% | 1,365 |
| Noncurrent loans to loans | 1.4494% | 1,166 |
| Net loans and leases to total assets | 61.6131% | 3,650 |
| Net loans and leases to deposits | 69.2377% | 3,923 |
| Net loans and leases to core deposits | 74.8609% | 3,820 |
| Total domestic deposits to total assets | 88.9878% | 940 |
| Equity capital to assets | 10.2701% | 3,368 |
| Core capital (leverage) ratio | 9.6974% | 3,889 |
| Tier 1 risk-based capital ratio | 18.1174% | 1,769 |
| Total risk-based capital ratio | 19.3736% | 1,726 |
| Memoranda: | ||
| Average total assets | $840,800,330 | 904 |
| Average earning assets | $747,788,670 | 941 |
| Average equity | $83,734,670 | 987 |
| Average total loans | $510,477,330 | 1,025 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 840 |
| Cost of funding earning assets | 0.6547% | 1,698 |
| Net interest margin | 4.2639% | 1,016 |
| Noninterest income to average assets | 0.8032% | 1,444 |
| Noninterest expense to average assets | 2.5910% | 3,361 |
| Loan and lease loss provision to assets | 0.1914% | 877 |
| Net operating income to assets | 1.6998% | 690 |
| Return on assets (ROA) | 1.7097% | 683 |
| Pretax return on assets | 1.8235% | 869 |
| Return on Equity (ROE) | 17.4405% | 462 |
| Retained earnings to average equity (ytd only) | 12.5838% | 580 |
| Net charge-offs to loans | 0.2285% | 656 |
| Credit loss provision to net charge-offs | 140.0697% | 1,270 |
| Earnings coverage of net charge-offs (x) | 14.6690% | 1,698 |
| Efficiency ratio | 55.9573% | 4,586 |
| Assets per employee ($millions) | 3.1985% | 5,004 |
| Cash dividends to net income (ytd only)* | 27.8474% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 1,622 |
| Loan loss allowance to noncurrent loans | 72.6500% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.4687% | 961 |
| Noncurrent loans to loans | 2.0079% | 791 |
| Net loans and leases to total assets | 58.8122% | 3,872 |
| Net loans and leases to deposits | 65.6406% | 4,112 |
| Net loans and leases to core deposits | 70.8705% | 4,034 |
| Total domestic deposits to total assets | 89.5972% | 838 |
| Equity capital to assets | 9.7019% | 3,880 |
| Core capital (leverage) ratio | 9.3108% | 4,310 |
| Tier 1 risk-based capital ratio | 17.2956% | 2,036 |
| Total risk-based capital ratio | 18.5507% | 1,986 |
| Memoranda: | ||
| Average total assets | $840,154,500 | 913 |
| Average earning assets | $747,196,000 | 950 |
| Average equity | $82,360,000 | 1,009 |
| Average total loans | $502,370,500 | 1,049 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9579% | 698 |
| Cost of funding earning assets | 0.4951% | 2,378 |
| Net interest margin | 4.4628% | 679 |
| Noninterest income to average assets | 0.7760% | 1,659 |
| Noninterest expense to average assets | 2.7383% | 3,002 |
| Loan and lease loss provision to assets | 0.3246% | 514 |
| Net operating income to assets | 1.5869% | 670 |
| Return on assets (ROA) | 1.5921% | 679 |
| Pretax return on assets | 1.6981% | 1,013 |
| Return on Equity (ROE) | 15.7712% | 509 |
| Retained earnings to average equity (ytd only) | 2.4304% | 3,875 |
| Net charge-offs to loans | 0.1474% | 1,612 |
| Credit loss provision to net charge-offs | 385.8806% | 786 |
| Earnings coverage of net charge-offs (x) | 23.9825% | 1,777 |
| Efficiency ratio | 57.1572% | 4,629 |
| Assets per employee ($millions) | 3.0718% | 5,143 |
| Cash dividends to net income (ytd only)* | 84.5894% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,483 |
| Loan loss allowance to noncurrent loans | 77.0445% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.3626% | 1,046 |
| Noncurrent loans to loans | 1.9192% | 807 |
| Net loans and leases to total assets | 59.0252% | 3,919 |
| Net loans and leases to deposits | 66.4761% | 4,148 |
| Net loans and leases to core deposits | 71.6721% | 4,078 |
| Total domestic deposits to total assets | 88.7915% | 1,090 |
| Equity capital to assets | 9.9074% | 3,809 |
| Core capital (leverage) ratio | 9.1538% | 4,454 |
| Tier 1 risk-based capital ratio | 17.2113% | 2,022 |
| Total risk-based capital ratio | 18.4666% | 1,978 |
| Memoranda: | ||
| Average total assets | $816,771,400 | 915 |
| Average earning assets | $728,334,800 | 946 |
| Average equity | $82,454,000 | 979 |
| Average total loans | $466,093,600 | 1,092 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9484% | 678 |
| Cost of funding earning assets | 0.4804% | 2,431 |
| Net interest margin | 4.4680% | 640 |
| Noninterest income to average assets | 0.7356% | 1,850 |
| Noninterest expense to average assets | 2.6727% | 3,151 |
| Loan and lease loss provision to assets | 0.3422% | 438 |
| Net operating income to assets | 1.5928% | 731 |
| Return on assets (ROA) | 1.5997% | 735 |
| Pretax return on assets | 1.7081% | 1,102 |
| Return on Equity (ROE) | 15.7718% | 551 |
| Retained earnings to average equity (ytd only) | 6.0869% | 2,179 |
| Net charge-offs to loans | 0.1482% | 1,356 |
| Credit loss provision to net charge-offs | 409.8039% | 755 |
| Earnings coverage of net charge-offs (x) | 24.4668% | 1,768 |
| Efficiency ratio | 56.2476% | 4,709 |
| Assets per employee ($millions) | 3.0975% | 5,178 |
| Cash dividends to net income (ytd only)* | 61.4062% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 1,739 |
| Loan loss allowance to noncurrent loans | 86.8520% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.1669% | 1,414 |
| Noncurrent loans to loans | 1.6579% | 1,101 |
| Net loans and leases to total assets | 57.4043% | 4,119 |
| Net loans and leases to deposits | 65.4026% | 4,292 |
| Net loans and leases to core deposits | 70.1594% | 4,233 |
| Total domestic deposits to total assets | 87.7707% | 1,488 |
| Equity capital to assets | 10.2733% | 3,614 |
| Core capital (leverage) ratio | 9.4386% | 4,243 |
| Tier 1 risk-based capital ratio | 17.9241% | 1,873 |
| Total risk-based capital ratio | 19.1788% | 1,827 |
| Memoranda: | ||
| Average total assets | $814,386,250 | 919 |
| Average earning assets | $725,435,000 | 951 |
| Average equity | $82,601,000 | 987 |
| Average total loans | $458,854,000 | 1,112 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 597 |
| Cost of funding earning assets | 0.4743% | 2,381 |
| Net interest margin | 4.4873% | 580 |
| Noninterest income to average assets | 0.6717% | 2,118 |
| Noninterest expense to average assets | 2.6742% | 3,181 |
| Loan and lease loss provision to assets | 0.3459% | 420 |
| Net operating income to assets | 1.5421% | 798 |
| Return on assets (ROA) | 1.5498% | 810 |
| Pretax return on assets | 1.6508% | 1,192 |
| Return on Equity (ROE) | 15.3471% | 615 |
| Retained earnings to average equity (ytd only) | 5.5688% | 2,374 |
| Net charge-offs to loans | 0.1471% | 1,271 |
| Credit loss provision to net charge-offs | 421.9880% | 753 |
| Earnings coverage of net charge-offs (x) | 24.2620% | 1,651 |
| Efficiency ratio | 56.9197% | 4,721 |
| Assets per employee ($millions) | 3.0807% | 5,202 |
| Cash dividends to net income (ytd only)* | 63.7146% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 2,035 |
| Loan loss allowance to noncurrent loans | 101.2130% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.9721% | 1,802 |
| Noncurrent loans to loans | 1.3634% | 1,419 |
| Net loans and leases to total assets | 56.2432% | 4,204 |
| Net loans and leases to deposits | 63.2531% | 4,411 |
| Net loans and leases to core deposits | 67.5388% | 4,373 |
| Total domestic deposits to total assets | 88.9178% | 997 |
| Equity capital to assets | 10.2758% | 3,597 |
| Core capital (leverage) ratio | 9.2532% | 4,428 |
| Tier 1 risk-based capital ratio | 18.2203% | 1,792 |
| Total risk-based capital ratio | 19.4741% | 1,756 |
| Memoranda: | ||
| Average total assets | $810,171,670 | 932 |
| Average earning assets | $720,567,000 | 959 |
| Average equity | $81,813,670 | 997 |
| Average total loans | $451,243,000 | 1,130 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9585% | 558 |
| Cost of funding earning assets | 0.4734% | 2,325 |
| Net interest margin | 4.4851% | 536 |
| Noninterest income to average assets | 0.7246% | 1,855 |
| Noninterest expense to average assets | 2.6392% | 3,347 |
| Loan and lease loss provision to assets | 0.5060% | 202 |
| Net operating income to assets | 1.4447% | 903 |
| Return on assets (ROA) | 1.4447% | 926 |
| Pretax return on assets | 1.5424% | 1,407 |
| Return on Equity (ROE) | 14.4351% | 735 |
| Retained earnings to average equity (ytd only) | 14.4351% | 272 |
| Net charge-offs to loans | 0.0604% | 1,729 |
| Credit loss provision to net charge-offs | 1,523.8806% | 212 |
| Earnings coverage of net charge-offs (x) | 61.6866% | 791 |
| Efficiency ratio | 55.8680% | 4,950 |
| Assets per employee ($millions) | 3.1332% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 1,979 |
| Loan loss allowance to noncurrent loans | 98.3479% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.0724% | 1,675 |
| Noncurrent loans to loans | 1.4472% | 1,392 |
| Net loans and leases to total assets | 53.2358% | 4,401 |
| Net loans and leases to deposits | 59.6396% | 4,589 |
| Net loans and leases to core deposits | 63.5703% | 4,562 |
| Total domestic deposits to total assets | 89.2624% | 1,020 |
| Equity capital to assets | 10.0667% | 3,670 |
| Core capital (leverage) ratio | 9.4730% | 4,144 |
| Tier 1 risk-based capital ratio | 19.0101% | 1,615 |
| Total risk-based capital ratio | 20.2642% | 1,574 |
| Memoranda: | ||
| Average total assets | $807,063,500 | 938 |
| Average earning assets | $713,121,500 | 970 |
| Average equity | $80,775,500 | 1,005 |
| Average total loans | $444,070,500 | 1,148 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9407% | 670 |
| Cost of funding earning assets | 0.5149% | 1,980 |
| Net interest margin | 4.4257% | 731 |
| Noninterest income to average assets | 0.9400% | 1,293 |
| Noninterest expense to average assets | 2.9405% | 2,526 |
| Loan and lease loss provision to assets | 0.1593% | 1,555 |
| Net operating income to assets | 1.5686% | 729 |
| Return on assets (ROA) | 1.5744% | 751 |
| Pretax return on assets | 1.6716% | 1,075 |
| Return on Equity (ROE) | 15.3133% | 583 |
| Retained earnings to average equity (ytd only) | 2.8784% | 3,847 |
| Net charge-offs to loans | 0.2835% | 971 |
| Credit loss provision to net charge-offs | 108.0292% | 2,426 |
| Earnings coverage of net charge-offs (x) | 12.3714% | 2,458 |
| Efficiency ratio | 60.9619% | 4,425 |
| Assets per employee ($millions) | 3.1729% | 5,188 |
| Cash dividends to net income (ytd only)* | 81.2035% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 3,102 |
| Loan loss allowance to noncurrent loans | 68.8432% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.2780% | 1,391 |
| Noncurrent loans to loans | 1.7490% | 1,097 |
| Net loans and leases to total assets | 55.4019% | 4,318 |
| Net loans and leases to deposits | 61.9836% | 4,547 |
| Net loans and leases to core deposits | 65.4838% | 4,556 |
| Total domestic deposits to total assets | 89.3815% | 905 |
| Equity capital to assets | 9.9484% | 3,770 |
| Core capital (leverage) ratio | 9.2538% | 4,402 |
| Tier 1 risk-based capital ratio | 18.4316% | 1,744 |
| Total risk-based capital ratio | 19.6830% | 1,706 |
| Memoranda: | ||
| Average total assets | $743,069,000 | 971 |
| Average earning assets | $642,243,200 | 1,015 |
| Average equity | $76,397,600 | 1,037 |
| Average total loans | $386,586,200 | 1,232 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9422% | 667 |
| Cost of funding earning assets | 0.5163% | 1,965 |
| Net interest margin | 4.4259% | 738 |
| Noninterest income to average assets | 0.7678% | 1,894 |
| Noninterest expense to average assets | 2.9191% | 2,582 |
| Loan and lease loss provision to assets | 0.1425% | 1,641 |
| Net operating income to assets | 1.4144% | 1,042 |
| Return on assets (ROA) | 1.4223% | 1,075 |
| Pretax return on assets | 1.5165% | 1,663 |
| Return on Equity (ROE) | 13.7133% | 875 |
| Retained earnings to average equity (ytd only) | 4.9148% | 2,888 |
| Net charge-offs to loans | 0.2878% | 795 |
| Credit loss provision to net charge-offs | 97.2603% | 2,419 |
| Earnings coverage of net charge-offs (x) | 11.2628% | 2,504 |
| Efficiency ratio | 63.2359% | 4,033 |
| Assets per employee ($millions) | 3.2603% | 5,093 |
| Cash dividends to net income (ytd only)* | 64.1601% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 2,972 |
| Loan loss allowance to noncurrent loans | 77.9727% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.1785% | 1,695 |
| Noncurrent loans to loans | 1.5998% | 1,345 |
| Net loans and leases to total assets | 52.4193% | 4,624 |
| Net loans and leases to deposits | 59.1582% | 4,813 |
| Net loans and leases to core deposits | 62.8630% | 4,782 |
| Total domestic deposits to total assets | 88.6086% | 1,104 |
| Equity capital to assets | 10.6520% | 3,407 |
| Core capital (leverage) ratio | 9.3399% | 4,403 |
| Tier 1 risk-based capital ratio | 19.0024% | 1,671 |
| Total risk-based capital ratio | 20.2536% | 1,630 |
| Memoranda: | ||
| Average total assets | $730,531,250 | 987 |
| Average earning assets | $627,531,750 | 1,037 |
| Average equity | $75,768,750 | 1,053 |
| Average total loans | $372,029,000 | 1,269 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 681 |
| Cost of funding earning assets | 0.5207% | 1,936 |
| Net interest margin | 4.4050% | 759 |
| Noninterest income to average assets | 0.7798% | 1,811 |
| Noninterest expense to average assets | 2.7957% | 3,044 |
| Loan and lease loss provision to assets | 0.1744% | 1,266 |
| Net operating income to assets | 1.5051% | 885 |
| Return on assets (ROA) | 1.5173% | 909 |
| Pretax return on assets | 1.6122% | 1,338 |
| Return on Equity (ROE) | 14.7776% | 704 |
| Retained earnings to average equity (ytd only) | 10.6620% | 486 |
| Net charge-offs to loans | 0.3361% | 705 |
| Credit loss provision to net charge-offs | 103.5117% | 2,041 |
| Earnings coverage of net charge-offs (x) | 10.5284% | 2,330 |
| Efficiency ratio | 60.5240% | 4,574 |
| Assets per employee ($millions) | 3.0130% | 5,420 |
| Cash dividends to net income (ytd only)* | 27.8500% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 2,049 |
| Loan loss allowance to noncurrent loans | 63.8460% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.4797% | 1,302 |
| Noncurrent loans to loans | 2.2789% | 806 |
| Net loans and leases to total assets | 49.9534% | 4,842 |
| Net loans and leases to deposits | 56.3603% | 4,987 |
| Net loans and leases to core deposits | 59.9460% | 4,982 |
| Total domestic deposits to total assets | 88.6322% | 1,094 |
| Equity capital to assets | 10.6113% | 3,521 |
| Core capital (leverage) ratio | 9.1491% | 4,664 |
| Tier 1 risk-based capital ratio | 18.7783% | 1,744 |
| Total risk-based capital ratio | 20.0314% | 1,703 |
| Memoranda: | ||
| Average total assets | $709,953,670 | 1,012 |
| Average earning assets | $610,762,330 | 1,068 |
| Average equity | $72,894,330 | 1,090 |
| Average total loans | $355,857,000 | 1,314 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8632% | 746 |
| Cost of funding earning assets | 0.5224% | 1,922 |
| Net interest margin | 4.3408% | 845 |
| Noninterest income to average assets | 0.7611% | 1,770 |
| Noninterest expense to average assets | 2.6767% | 3,506 |
| Loan and lease loss provision to assets | 0.1620% | 1,279 |
| Net operating income to assets | 1.5426% | 789 |
| Return on assets (ROA) | 1.5527% | 815 |
| Pretax return on assets | 1.6501% | 1,180 |
| Return on Equity (ROE) | 15.3840% | 614 |
| Retained earnings to average equity (ytd only) | 15.3840% | 226 |
| Net charge-offs to loans | 0.3727% | 594 |
| Credit loss provision to net charge-offs | 87.1951% | 1,784 |
| Earnings coverage of net charge-offs (x) | 9.6982% | 1,969 |
| Efficiency ratio | 59.0921% | 4,861 |
| Assets per employee ($millions) | 3.0923% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 2,087 |
| Loan loss allowance to noncurrent loans | 62.6393% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 1.5252% | 1,326 |
| Noncurrent loans to loans | 2.3554% | 835 |
| Net loans and leases to total assets | 48.4352% | 4,933 |
| Net loans and leases to deposits | 54.3560% | 5,081 |
| Net loans and leases to core deposits | 57.8187% | 5,058 |
| Total domestic deposits to total assets | 89.1073% | 1,052 |
| Equity capital to assets | 10.1608% | 3,887 |
| Core capital (leverage) ratio | 9.2097% | 4,589 |
| Tier 1 risk-based capital ratio | 18.7583% | 1,787 |
| Total risk-based capital ratio | 20.0116% | 1,755 |
| Memoranda: | ||
| Average total assets | $706,384,000 | 1,015 |
| Average earning assets | $604,864,000 | 1,073 |
| Average equity | $71,295,000 | 1,110 |
| Average total loans | $352,035,000 | 1,322 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8762% | 815 |
| Cost of funding earning assets | 0.5469% | 1,794 |
| Net interest margin | 4.3293% | 908 |
| Noninterest income to average assets | 0.8631% | 1,558 |
| Noninterest expense to average assets | 2.7753% | 3,331 |
| Loan and lease loss provision to assets | 0.1949% | 1,124 |
| Net operating income to assets | 1.5139% | 840 |
| Return on assets (ROA) | 1.5212% | 862 |
| Pretax return on assets | 1.6237% | 1,182 |
| Return on Equity (ROE) | 14.6997% | 735 |
| Retained earnings to average equity (ytd only) | 8.0875% | 890 |
| Net charge-offs to loans | 0.3004% | 1,005 |
| Credit loss provision to net charge-offs | 132.7122% | 1,973 |
| Earnings coverage of net charge-offs (x) | 12.3282% | 2,477 |
| Efficiency ratio | 59.6897% | 4,948 |
| Assets per employee ($millions) | 3.0496% | 5,477 |
| Cash dividends to net income (ytd only)* | 44.9820% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 1,976 |
| Loan loss allowance to noncurrent loans | 51.0614% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 1.8671% | 991 |
| Noncurrent loans to loans | 2.9489% | 550 |
| Net loans and leases to total assets | 49.7785% | 4,890 |
| Net loans and leases to deposits | 55.7705% | 5,063 |
| Net loans and leases to core deposits | 59.3639% | 5,025 |
| Total domestic deposits to total assets | 89.2560% | 992 |
| Equity capital to assets | 10.0223% | 3,928 |
| Core capital (leverage) ratio | 9.2884% | 4,494 |
| Tier 1 risk-based capital ratio | 18.4234% | 1,851 |
| Total risk-based capital ratio | 19.6775% | 1,799 |
| Memoranda: | ||
| Average total assets | $657,651,800 | 1,040 |
| Average earning assets | $565,559,600 | 1,108 |
| Average equity | $68,055,800 | 1,120 |
| Average total loans | $321,555,600 | 1,382 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 823 |
| Cost of funding earning assets | 0.5576% | 1,739 |
| Net interest margin | 4.3097% | 941 |
| Noninterest income to average assets | 0.8441% | 1,637 |
| Noninterest expense to average assets | 2.6976% | 3,569 |
| Loan and lease loss provision to assets | 0.1516% | 1,437 |
| Net operating income to assets | 1.5890% | 787 |
| Return on assets (ROA) | 1.5942% | 812 |
| Pretax return on assets | 1.6998% | 1,104 |
| Return on Equity (ROE) | 15.2771% | 690 |
| Retained earnings to average equity (ytd only) | 15.2771% | 154 |
| Net charge-offs to loans | 0.3328% | 790 |
| Credit loss provision to net charge-offs | 94.0127% | 2,411 |
| Earnings coverage of net charge-offs (x) | 11.4459% | 2,487 |
| Efficiency ratio | 58.5278% | 5,060 |
| Assets per employee ($millions) | 2.8772% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 2,219 |
| Loan loss allowance to noncurrent loans | 52.6062% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.9948% | 1,030 |
| Noncurrent loans to loans | 2.8219% | 660 |
| Net loans and leases to total assets | 49.6211% | 4,962 |
| Net loans and leases to deposits | 56.2482% | 5,108 |
| Net loans and leases to core deposits | 60.2059% | 5,054 |
| Total domestic deposits to total assets | 88.2181% | 1,442 |
| Equity capital to assets | 10.9311% | 3,100 |
| Core capital (leverage) ratio | 9.8503% | 3,834 |
| Tier 1 risk-based capital ratio | 16.6556% | 2,498 |
| Total risk-based capital ratio | 17.9057% | 2,462 |
| Memoranda: | ||
| Average total assets | $649,001,000 | 1,061 |
| Average earning assets | $557,088,000 | 1,130 |
| Average equity | $67,724,750 | 1,133 |
| Average total loans | $314,479,000 | 1,414 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 793 |
| Cost of funding earning assets | 0.5674% | 1,662 |
| Net interest margin | 4.2933% | 932 |
| Noninterest income to average assets | 0.8477% | 1,610 |
| Noninterest expense to average assets | 2.7037% | 3,583 |
| Loan and lease loss provision to assets | 0.1256% | 1,762 |
| Net operating income to assets | 1.5861% | 770 |
| Return on assets (ROA) | 1.5888% | 791 |
| Pretax return on assets | 1.6930% | 1,096 |
| Return on Equity (ROE) | 15.4735% | 668 |
| Retained earnings to average equity (ytd only) | 15.4735% | 168 |
| Net charge-offs to loans | 0.3713% | 701 |
| Credit loss provision to net charge-offs | 70.7317% | 2,454 |
| Earnings coverage of net charge-offs (x) | 10.2282% | 2,381 |
| Efficiency ratio | 58.9680% | 5,115 |
| Assets per employee ($millions) | 2.8878% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 2,257 |
| Loan loss allowance to noncurrent loans | 50.7102% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 2.1002% | 1,027 |
| Noncurrent loans to loans | 2.9780% | 669 |
| Net loans and leases to total assets | 47.8053% | 5,125 |
| Net loans and leases to deposits | 53.8001% | 5,269 |
| Net loans and leases to core deposits | 54.7556% | 5,381 |
| Total domestic deposits to total assets | 88.8571% | 1,215 |
| Equity capital to assets | 10.3550% | 3,610 |
| Core capital (leverage) ratio | 9.3953% | 4,427 |
| Tier 1 risk-based capital ratio | 16.3842% | 2,667 |
| Total risk-based capital ratio | 17.6343% | 2,621 |
| Memoranda: | ||
| Average total assets | $646,671,000 | 1,071 |
| Average earning assets | $553,044,000 | 1,137 |
| Average equity | $66,397,330 | 1,154 |
| Average total loans | $309,167,000 | 1,437 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7194% | 997 |
| Cost of funding earning assets | 0.5682% | 1,675 |
| Net interest margin | 4.1512% | 1,162 |
| Noninterest income to average assets | 0.7519% | 1,906 |
| Noninterest expense to average assets | 2.7349% | 3,469 |
| Loan and lease loss provision to assets | 0.1448% | 1,411 |
| Net operating income to assets | 1.3339% | 1,172 |
| Return on assets (ROA) | 1.3392% | 1,229 |
| Pretax return on assets | 1.4280% | 1,784 |
| Return on Equity (ROE) | 13.0993% | 1,061 |
| Retained earnings to average equity (ytd only) | 13.0993% | 434 |
| Net charge-offs to loans | 0.5083% | 494 |
| Credit loss provision to net charge-offs | 60.0515% | 1,996 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,280 |
| Efficiency ratio | 62.6751% | 4,676 |
| Assets per employee ($millions) | 2.9463% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 2,222 |
| Loan loss allowance to noncurrent loans | 51.9324% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 2.1291% | 1,085 |
| Noncurrent loans to loans | 2.9912% | 724 |
| Net loans and leases to total assets | 46.0640% | 5,193 |
| Net loans and leases to deposits | 51.7381% | 5,348 |
| Net loans and leases to core deposits | 54.9573% | 5,319 |
| Total domestic deposits to total assets | 89.0331% | 1,246 |
| Equity capital to assets | 10.2018% | 3,881 |
| Core capital (leverage) ratio | 9.1805% | 4,745 |
| Tier 1 risk-based capital ratio | 15.6530% | 3,080 |
| Total risk-based capital ratio | 16.9032% | 3,020 |
| Memoranda: | ||
| Average total assets | $643,681,500 | 1,080 |
| Average earning assets | $550,493,500 | 1,147 |
| Average equity | $65,805,000 | 1,166 |
| Average total loans | $305,358,000 | 1,453 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0053% | 762 |
| Cost of funding earning assets | 0.6231% | 1,586 |
| Net interest margin | 4.3821% | 909 |
| Noninterest income to average assets | 0.7808% | 1,949 |
| Noninterest expense to average assets | 2.9159% | 3,096 |
| Loan and lease loss provision to assets | 0.0709% | 3,072 |
| Net operating income to assets | 1.4251% | 1,031 |
| Return on assets (ROA) | 1.4420% | 1,028 |
| Pretax return on assets | 1.5439% | 1,404 |
| Return on Equity (ROE) | 14.4858% | 851 |
| Retained earnings to average equity (ytd only) | 3.1091% | 4,025 |
| Net charge-offs to loans | 0.7295% | 500 |
| Credit loss provision to net charge-offs | 20.3816% | 3,971 |
| Earnings coverage of net charge-offs (x) | 4.5924% | 3,612 |
| Efficiency ratio | 63.7244% | 4,626 |
| Assets per employee ($millions) | 2.8913% | 5,840 |
| Cash dividends to net income (ytd only)* | 78.5370% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 1,954 |
| Loan loss allowance to noncurrent loans | 56.5684% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.3851% | 981 |
| Noncurrent loans to loans | 2.8995% | 789 |
| Net loans and leases to total assets | 47.3321% | 5,215 |
| Net loans and leases to deposits | 53.1851% | 5,395 |
| Net loans and leases to core deposits | 56.3267% | 5,360 |
| Total domestic deposits to total assets | 88.9951% | 1,239 |
| Equity capital to assets | 10.2457% | 3,794 |
| Core capital (leverage) ratio | 9.0436% | 4,921 |
| Tier 1 risk-based capital ratio | 16.3004% | 2,812 |
| Total risk-based capital ratio | 17.5526% | 2,756 |
| Memoranda: | ||
| Average total assets | $618,100,800 | 1,076 |
| Average earning assets | $526,365,400 | 1,154 |
| Average equity | $61,529,400 | 1,185 |
| Average total loans | $294,568,000 | 1,451 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9963% | 775 |
| Cost of funding earning assets | 0.6326% | 1,577 |
| Net interest margin | 4.3637% | 934 |
| Noninterest income to average assets | 0.8289% | 1,782 |
| Noninterest expense to average assets | 2.8529% | 3,277 |
| Loan and lease loss provision to assets | 0.0286% | 3,834 |
| Net operating income to assets | 1.5489% | 847 |
| Return on assets (ROA) | 1.5704% | 839 |
| Pretax return on assets | 1.6774% | 1,120 |
| Return on Equity (ROE) | 15.8945% | 685 |
| Retained earnings to average equity (ytd only) | 7.1287% | 1,752 |
| Net charge-offs to loans | 0.8426% | 391 |
| Credit loss provision to net charge-offs | 7.1351% | 3,739 |
| Earnings coverage of net charge-offs (x) | 4.2016% | 3,515 |
| Efficiency ratio | 62.0030% | 4,883 |
| Assets per employee ($millions) | 2.7624% | 6,014 |
| Cash dividends to net income (ytd only)* | 55.1496% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 2,064 |
| Loan loss allowance to noncurrent loans | 60.5856% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 2.6290% | 976 |
| Noncurrent loans to loans | 2.7594% | 1,015 |
| Net loans and leases to total assets | 46.7936% | 5,307 |
| Net loans and leases to deposits | 52.6973% | 5,491 |
| Net loans and leases to core deposits | 55.5333% | 5,476 |
| Total domestic deposits to total assets | 88.7969% | 1,355 |
| Equity capital to assets | 10.3817% | 3,697 |
| Core capital (leverage) ratio | 9.3258% | 4,603 |
| Tier 1 risk-based capital ratio | 16.8782% | 2,658 |
| Total risk-based capital ratio | 18.1307% | 2,610 |
| Memoranda: | ||
| Average total assets | $615,775,250 | 1,094 |
| Average earning assets | $523,120,000 | 1,173 |
| Average equity | $60,841,250 | 1,205 |
| Average total loans | $292,731,250 | 1,468 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0331% | 706 |
| Cost of funding earning assets | 0.6426% | 1,569 |
| Net interest margin | 4.3905% | 863 |
| Noninterest income to average assets | 0.8543% | 1,639 |
| Noninterest expense to average assets | 2.8463% | 3,347 |
| Loan and lease loss provision to assets | -0.0143% | 6,241 |
| Net operating income to assets | 1.6212% | 673 |
| Return on assets (ROA) | 1.6411% | 681 |
| Pretax return on assets | 1.7522% | 928 |
| Return on Equity (ROE) | 16.8990% | 564 |
| Retained earnings to average equity (ytd only) | 11.8665% | 437 |
| Net charge-offs to loans | 1.1395% | 281 |
| Credit loss provision to net charge-offs | -2.6474% | 5,051 |
| Earnings coverage of net charge-offs (x) | 3.1703% | 3,374 |
| Efficiency ratio | 61.4923% | 5,074 |
| Assets per employee ($millions) | 2.8007% | 6,027 |
| Cash dividends to net income (ytd only)* | 29.7796% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7038% | 2,121 |
| Loan loss allowance to noncurrent loans | 56.2337% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 2.8895% | 895 |
| Noncurrent loans to loans | 3.0299% | 949 |
| Net loans and leases to total assets | 45.9955% | 5,360 |
| Net loans and leases to deposits | 51.6550% | 5,521 |
| Net loans and leases to core deposits | 54.4773% | 5,521 |
| Total domestic deposits to total assets | 89.0437% | 1,329 |
| Equity capital to assets | 10.2139% | 3,806 |
| Core capital (leverage) ratio | 9.2704% | 4,638 |
| Tier 1 risk-based capital ratio | 17.0003% | 2,621 |
| Total risk-based capital ratio | 18.2528% | 2,572 |
| Memoranda: | ||
| Average total assets | $613,855,000 | 1,096 |
| Average earning assets | $518,525,000 | 1,178 |
| Average equity | $59,613,000 | 1,226 |
| Average total loans | $291,713,670 | 1,468 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0008% | 715 |
| Cost of funding earning assets | 0.6486% | 1,590 |
| Net interest margin | 4.3523% | 892 |
| Noninterest income to average assets | 0.7542% | 1,945 |
| Noninterest expense to average assets | 2.8011% | 3,563 |
| Loan and lease loss provision to assets | -0.3214% | 6,624 |
| Net operating income to assets | 1.8173% | 471 |
| Return on assets (ROA) | 1.8173% | 491 |
| Pretax return on assets | 1.9406% | 601 |
| Return on Equity (ROE) | 19.2209% | 344 |
| Retained earnings to average equity (ytd only) | 8.8162% | 1,306 |
| Net charge-offs to loans | 0.9695% | 351 |
| Credit loss provision to net charge-offs | -69.2090% | 4,789 |
| Earnings coverage of net charge-offs (x) | 3.4873% | 2,678 |
| Efficiency ratio | 62.4481% | 5,067 |
| Assets per employee ($millions) | 2.8831% | 5,999 |
| Cash dividends to net income (ytd only)* | 54.1321% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8719% | 1,834 |
| Loan loss allowance to noncurrent loans | 42.8560% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 3.3072% | 805 |
| Noncurrent loans to loans | 4.3679% | 576 |
| Net loans and leases to total assets | 45.7906% | 5,352 |
| Net loans and leases to deposits | 51.0096% | 5,522 |
| Net loans and leases to core deposits | 53.7656% | 5,518 |
| Total domestic deposits to total assets | 89.7687% | 1,193 |
| Equity capital to assets | 9.5186% | 4,478 |
| Core capital (leverage) ratio | 9.1111% | 4,855 |
| Tier 1 risk-based capital ratio | 16.3927% | 2,951 |
| Total risk-based capital ratio | 17.6472% | 2,921 |
| Memoranda: | ||
| Average total assets | $609,903,000 | 1,110 |
| Average earning assets | $513,753,500 | 1,197 |
| Average equity | $57,666,500 | 1,258 |
| Average total loans | $292,101,500 | 1,471 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0985% | 762 |
| Cost of funding earning assets | 0.7028% | 1,793 |
| Net interest margin | 4.3957% | 917 |
| Noninterest income to average assets | 0.7348% | 2,360 |
| Noninterest expense to average assets | 2.8296% | 3,618 |
| Loan and lease loss provision to assets | 0.3013% | 1,117 |
| Net operating income to assets | 1.2691% | 1,336 |
| Return on assets (ROA) | 1.2879% | 1,332 |
| Pretax return on assets | 1.3765% | 1,876 |
| Return on Equity (ROE) | 12.7599% | 1,219 |
| Retained earnings to average equity (ytd only) | 1.6018% | 5,076 |
| Net charge-offs to loans | 0.5084% | 1,305 |
| Credit loss provision to net charge-offs | 122.1095% | 1,946 |
| Earnings coverage of net charge-offs (x) | 6.7181% | 2,999 |
| Efficiency ratio | 62.1305% | 5,190 |
| Assets per employee ($millions) | 2.5833% | 6,336 |
| Cash dividends to net income (ytd only)* | 87.4466% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2799% | 1,063 |
| Loan loss allowance to noncurrent loans | 50.5002% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 3.7395% | 743 |
| Noncurrent loans to loans | 4.5146% | 586 |
| Net loans and leases to total assets | 48.0658% | 5,286 |
| Net loans and leases to deposits | 53.4762% | 5,512 |
| Net loans and leases to core deposits | 56.5834% | 5,488 |
| Total domestic deposits to total assets | 89.8826% | 1,141 |
| Equity capital to assets | 9.3881% | 4,560 |
| Core capital (leverage) ratio | 9.0951% | 4,862 |
| Tier 1 risk-based capital ratio | 16.2149% | 3,003 |
| Total risk-based capital ratio | 17.4740% | 2,953 |
| Memoranda: | ||
| Average total assets | $599,352,000 | 1,114 |
| Average earning assets | $511,664,400 | 1,182 |
| Average equity | $60,494,200 | 1,186 |
| Average total loans | $290,924,400 | 1,462 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0481% | 851 |
| Cost of funding earning assets | 0.7103% | 1,882 |
| Net interest margin | 4.3377% | 1,013 |
| Noninterest income to average assets | 0.7647% | 2,299 |
| Noninterest expense to average assets | 2.8133% | 3,611 |
| Loan and lease loss provision to assets | 0.2810% | 1,239 |
| Net operating income to assets | 1.2934% | 1,369 |
| Return on assets (ROA) | 1.3066% | 1,391 |
| Pretax return on assets | 1.3958% | 1,942 |
| Return on Equity (ROE) | 12.7250% | 1,310 |
| Retained earnings to average equity (ytd only) | 4.0773% | 3,789 |
| Net charge-offs to loans | 0.6061% | 1,031 |
| Credit loss provision to net charge-offs | 95.8365% | 2,488 |
| Earnings coverage of net charge-offs (x) | 5.6707% | 3,133 |
| Efficiency ratio | 61.9241% | 5,149 |
| Assets per employee ($millions) | 2.6560% | 6,320 |
| Cash dividends to net income (ytd only)* | 67.9579% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1467% | 1,418 |
| Loan loss allowance to noncurrent loans | 58.8219% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 3.3394% | 1,047 |
| Noncurrent loans to loans | 3.6495% | 1,016 |
| Net loans and leases to total assets | 48.1230% | 5,332 |
| Net loans and leases to deposits | 53.7695% | 5,558 |
| Net loans and leases to core deposits | 57.1256% | 5,516 |
| Total domestic deposits to total assets | 89.4987% | 1,298 |
| Equity capital to assets | 9.7323% | 4,262 |
| Core capital (leverage) ratio | 9.2221% | 4,804 |
| Tier 1 risk-based capital ratio | 16.5992% | 2,897 |
| Total risk-based capital ratio | 17.8572% | 2,855 |
| Memoranda: | ||
| Average total assets | $600,648,250 | 1,117 |
| Average earning assets | $513,926,250 | 1,193 |
| Average equity | $61,672,500 | 1,175 |
| Average total loans | $290,592,000 | 1,462 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 878 |
| Cost of funding earning assets | 0.7165% | 1,947 |
| Net interest margin | 4.3076% | 1,017 |
| Noninterest income to average assets | 0.7814% | 2,269 |
| Noninterest expense to average assets | 2.7955% | 3,690 |
| Loan and lease loss provision to assets | 0.2506% | 1,483 |
| Net operating income to assets | 1.3307% | 1,240 |
| Return on assets (ROA) | 1.3473% | 1,293 |
| Pretax return on assets | 1.4386% | 1,804 |
| Return on Equity (ROE) | 12.9003% | 1,263 |
| Retained earnings to average equity (ytd only) | 8.1330% | 1,429 |
| Net charge-offs to loans | 0.4167% | 1,552 |
| Credit loss provision to net charge-offs | 125.0000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 8.3377% | 2,412 |
| Efficiency ratio | 61.6585% | 5,221 |
| Assets per employee ($millions) | 2.7087% | 6,285 |
| Cash dividends to net income (ytd only)* | 36.9549% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2177% | 1,389 |
| Loan loss allowance to noncurrent loans | 53.9235% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 3.4145% | 1,137 |
| Noncurrent loans to loans | 4.1126% | 929 |
| Net loans and leases to total assets | 47.5652% | 5,365 |
| Net loans and leases to deposits | 53.3497% | 5,574 |
| Net loans and leases to core deposits | 56.4653% | 5,564 |
| Total domestic deposits to total assets | 89.1574% | 1,532 |
| Equity capital to assets | 10.1202% | 3,765 |
| Core capital (leverage) ratio | 9.1288% | 4,786 |
| Tier 1 risk-based capital ratio | 16.8634% | 2,763 |
| Total risk-based capital ratio | 18.1222% | 2,734 |
| Memoranda: | ||
| Average total assets | $602,546,000 | 1,114 |
| Average earning assets | $515,550,000 | 1,198 |
| Average equity | $62,929,000 | 1,161 |
| Average total loans | $289,925,670 | 1,456 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0601% | 806 |
| Cost of funding earning assets | 0.7313% | 1,990 |
| Net interest margin | 4.3287% | 912 |
| Noninterest income to average assets | 0.7726% | 2,242 |
| Noninterest expense to average assets | 2.8040% | 3,684 |
| Loan and lease loss provision to assets | 0.2620% | 1,358 |
| Net operating income to assets | 1.3119% | 1,251 |
| Return on assets (ROA) | 1.3449% | 1,257 |
| Pretax return on assets | 1.4278% | 1,775 |
| Return on Equity (ROE) | 12.6819% | 1,246 |
| Retained earnings to average equity (ytd only) | 12.6819% | 597 |
| Net charge-offs to loans | 0.2037% | 2,197 |
| Credit loss provision to net charge-offs | 268.7075% | 874 |
| Earnings coverage of net charge-offs (x) | 16.9728% | 1,341 |
| Efficiency ratio | 61.9664% | 5,306 |
| Assets per employee ($millions) | 2.7892% | 6,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2848% | 1,438 |
| Loan loss allowance to noncurrent loans | 48.4046% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 3.5908% | 1,169 |
| Noncurrent loans to loans | 4.7203% | 846 |
| Net loans and leases to total assets | 45.8876% | 5,448 |
| Net loans and leases to deposits | 51.6893% | 5,651 |
| Net loans and leases to core deposits | 54.8413% | 5,615 |
| Total domestic deposits to total assets | 88.7758% | 1,815 |
| Equity capital to assets | 10.5273% | 3,518 |
| Core capital (leverage) ratio | 9.1808% | 4,597 |
| Tier 1 risk-based capital ratio | 16.8778% | 2,815 |
| Total risk-based capital ratio | 18.1374% | 2,779 |
| Memoranda: | ||
| Average total assets | $603,148,500 | 1,124 |
| Average earning assets | $513,591,000 | 1,213 |
| Average equity | $63,965,000 | 1,157 |
| Average total loans | $288,630,500 | 1,470 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7239% | 418 |
| Cost of funding earning assets | 0.9527% | 1,626 |
| Net interest margin | 4.7711% | 570 |
| Noninterest income to average assets | 0.7256% | 2,603 |
| Noninterest expense to average assets | 2.9256% | 3,545 |
| Loan and lease loss provision to assets | 0.7113% | 718 |
| Net operating income to assets | 0.9822% | 2,418 |
| Return on assets (ROA) | 1.0342% | 2,394 |
| Pretax return on assets | 1.1002% | 3,155 |
| Return on Equity (ROE) | 9.6915% | 2,320 |
| Retained earnings to average equity (ytd only) | 2.5091% | 4,463 |
| Net charge-offs to loans | 1.4499% | 630 |
| Credit loss provision to net charge-offs | 96.8685% | 3,209 |
| Earnings coverage of net charge-offs (x) | 2.3916% | 4,214 |
| Efficiency ratio | 61.4458% | 5,323 |
| Assets per employee ($millions) | 2.5768% | 6,556 |
| Cash dividends to net income (ytd only)* | 74.1107% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1916% | 1,568 |
| Loan loss allowance to noncurrent loans | 40.2720% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 4.0488% | 1,053 |
| Noncurrent loans to loans | 5.4421% | 685 |
| Net loans and leases to total assets | 47.7099% | 5,441 |
| Net loans and leases to deposits | 53.8361% | 5,668 |
| Net loans and leases to core deposits | 56.8205% | 5,648 |
| Total domestic deposits to total assets | 88.6206% | 1,823 |
| Equity capital to assets | 10.6858% | 3,303 |
| Core capital (leverage) ratio | 9.0583% | 4,808 |
| Tier 1 risk-based capital ratio | 16.2634% | 3,019 |
| Total risk-based capital ratio | 17.5222% | 2,973 |
| Memoranda: | ||
| Average total assets | $587,093,400 | 1,130 |
| Average earning assets | $486,804,800 | 1,254 |
| Average equity | $62,653,000 | 1,136 |
| Average total loans | $297,331,000 | 1,410 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6192% | 541 |
| Cost of funding earning assets | 0.9952% | 1,591 |
| Net interest margin | 4.6239% | 781 |
| Noninterest income to average assets | 0.7694% | 2,384 |
| Noninterest expense to average assets | 2.8795% | 3,674 |
| Loan and lease loss provision to assets | 0.7772% | 626 |
| Net operating income to assets | 0.8689% | 3,134 |
| Return on assets (ROA) | 0.9333% | 3,045 |
| Pretax return on assets | 0.9889% | 3,757 |
| Return on Equity (ROE) | 8.7488% | 2,927 |
| Retained earnings to average equity (ytd only) | 5.0146% | 3,351 |
| Net charge-offs to loans | 1.5805% | 532 |
| Credit loss provision to net charge-offs | 96.1961% | 3,101 |
| Earnings coverage of net charge-offs (x) | 2.1012% | 4,219 |
| Efficiency ratio | 61.8422% | 5,177 |
| Assets per employee ($millions) | 2.5541% | 6,648 |
| Cash dividends to net income (ytd only)* | 42.6830% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1967% | 1,711 |
| Loan loss allowance to noncurrent loans | 40.9170% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 4.3283% | 1,079 |
| Noncurrent loans to loans | 5.3687% | 808 |
| Net loans and leases to total assets | 48.4425% | 5,495 |
| Net loans and leases to deposits | 54.9125% | 5,724 |
| Net loans and leases to core deposits | 58.0336% | 5,732 |
| Total domestic deposits to total assets | 88.2175% | 1,901 |
| Equity capital to assets | 10.9800% | 3,302 |
| Core capital (leverage) ratio | 9.1451% | 4,840 |
| Tier 1 risk-based capital ratio | 16.5929% | 2,945 |
| Total risk-based capital ratio | 17.8519% | 2,910 |
| Memoranda: | ||
| Average total assets | $585,698,250 | 1,144 |
| Average earning assets | $482,288,750 | 1,278 |
| Average equity | $62,483,250 | 1,146 |
| Average total loans | $299,388,750 | 1,413 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5864% | 591 |
| Cost of funding earning assets | 1.0316% | 1,568 |
| Net interest margin | 4.5548% | 902 |
| Noninterest income to average assets | 0.7590% | 2,378 |
| Noninterest expense to average assets | 2.9218% | 3,536 |
| Loan and lease loss provision to assets | 0.6697% | 844 |
| Net operating income to assets | 0.8600% | 3,089 |
| Return on assets (ROA) | 0.9533% | 2,901 |
| Pretax return on assets | 1.0081% | 3,673 |
| Return on Equity (ROE) | 9.0229% | 2,804 |
| Retained earnings to average equity (ytd only) | 6.1196% | 2,637 |
| Net charge-offs to loans | 0.6930% | 1,598 |
| Credit loss provision to net charge-offs | 187.1429% | 1,513 |
| Earnings coverage of net charge-offs (x) | 4.4143% | 3,094 |
| Efficiency ratio | 63.8250% | 4,923 |
| Assets per employee ($millions) | 2.6307% | 6,623 |
| Cash dividends to net income (ytd only)* | 32.1773% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4815% | 1,309 |
| Loan loss allowance to noncurrent loans | 37.8110% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 4.7252% | 1,022 |
| Noncurrent loans to loans | 6.5629% | 634 |
| Net loans and leases to total assets | 48.6059% | 5,549 |
| Net loans and leases to deposits | 54.8049% | 5,790 |
| Net loans and leases to core deposits | 57.5690% | 5,804 |
| Total domestic deposits to total assets | 88.6890% | 1,717 |
| Equity capital to assets | 10.5974% | 3,571 |
| Core capital (leverage) ratio | 8.9821% | 4,942 |
| Tier 1 risk-based capital ratio | 16.1962% | 3,072 |
| Total risk-based capital ratio | 17.4587% | 3,027 |
| Memoranda: | ||
| Average total assets | $586,820,330 | 1,147 |
| Average earning assets | $482,167,670 | 1,284 |
| Average equity | $61,997,670 | 1,148 |
| Average total loans | $303,041,000 | 1,396 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7088% | 510 |
| Cost of funding earning assets | 1.0853% | 1,474 |
| Net interest margin | 4.6235% | 786 |
| Noninterest income to average assets | 0.8507% | 1,944 |
| Noninterest expense to average assets | 2.9220% | 3,530 |
| Loan and lease loss provision to assets | 0.8005% | 616 |
| Net operating income to assets | 0.8365% | 3,213 |
| Return on assets (ROA) | 1.0247% | 2,570 |
| Pretax return on assets | 1.0763% | 3,411 |
| Return on Equity (ROE) | 9.7140% | 2,510 |
| Retained earnings to average equity (ytd only) | 9.7140% | 1,350 |
| Net charge-offs to loans | 0.1138% | 3,433 |
| Credit loss provision to net charge-offs | 1,337.9310% | 260 |
| Earnings coverage of net charge-offs (x) | 28.0575% | 975 |
| Efficiency ratio | 62.4365% | 5,200 |
| Assets per employee ($millions) | 2.6204% | 6,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5018% | 1,353 |
| Loan loss allowance to noncurrent loans | 44.8085% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 4.4945% | 1,191 |
| Noncurrent loans to loans | 5.5833% | 949 |
| Net loans and leases to total assets | 49.4513% | 5,379 |
| Net loans and leases to deposits | 55.5500% | 5,656 |
| Net loans and leases to core deposits | 58.1882% | 5,697 |
| Total domestic deposits to total assets | 89.0211% | 1,687 |
| Equity capital to assets | 10.3523% | 3,670 |
| Core capital (leverage) ratio | 9.0371% | 4,779 |
| Tier 1 risk-based capital ratio | 15.7172% | 3,331 |
| Total risk-based capital ratio | 16.9798% | 3,293 |
| Memoranda: | ||
| Average total assets | $581,648,500 | 1,160 |
| Average earning assets | $471,762,000 | 1,319 |
| Average equity | $61,354,500 | 1,157 |
| Average total loans | $305,740,000 | 1,384 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1258% | 350 |
| Cost of funding earning assets | 1.2740% | 1,599 |
| Net interest margin | 4.8517% | 569 |
| Noninterest income to average assets | 0.6842% | 2,692 |
| Noninterest expense to average assets | 3.1451% | 3,045 |
| Loan and lease loss provision to assets | 0.8071% | 1,212 |
| Net operating income to assets | 0.6723% | 3,620 |
| Return on assets (ROA) | 0.6723% | 3,813 |
| Pretax return on assets | 0.7151% | 4,268 |
| Return on Equity (ROE) | 6.4149% | 3,689 |
| Retained earnings to average equity (ytd only) | 1.7960% | 4,929 |
| Net charge-offs to loans | 1.6596% | 936 |
| Credit loss provision to net charge-offs | 84.7673% | 4,249 |
| Earnings coverage of net charge-offs (x) | 1.5987% | 4,574 |
| Efficiency ratio | 66.3449% | 4,693 |
| Assets per employee ($millions) | 2.4933% | 6,838 |
| Cash dividends to net income (ytd only)* | 72.0022% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0889% | 2,038 |
| Loan loss allowance to noncurrent loans | 36.3029% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 5.0028% | 1,069 |
| Noncurrent loans to loans | 5.7541% | 892 |
| Net loans and leases to total assets | 53.3558% | 5,119 |
| Net loans and leases to deposits | 60.2555% | 5,457 |
| Net loans and leases to core deposits | 63.6954% | 5,494 |
| Total domestic deposits to total assets | 88.5493% | 1,820 |
| Equity capital to assets | 10.7536% | 3,241 |
| Core capital (leverage) ratio | 9.0038% | 4,781 |
| Tier 1 risk-based capital ratio | 14.9740% | 3,653 |
| Total risk-based capital ratio | 16.2321% | 3,608 |
| Memoranda: | ||
| Average total assets | $537,121,800 | 1,243 |
| Average earning assets | $440,958,000 | 1,373 |
| Average equity | $56,291,000 | 1,210 |
| Average total loans | $308,148,800 | 1,379 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0906% | 396 |
| Cost of funding earning assets | 1.3136% | 1,632 |
| Net interest margin | 4.7770% | 653 |
| Noninterest income to average assets | 0.7230% | 2,466 |
| Noninterest expense to average assets | 3.0702% | 3,281 |
| Loan and lease loss provision to assets | 0.7993% | 1,166 |
| Net operating income to assets | 0.7245% | 3,485 |
| Return on assets (ROA) | 0.7245% | 3,667 |
| Pretax return on assets | 0.7660% | 4,257 |
| Return on Equity (ROE) | 6.9617% | 3,543 |
| Retained earnings to average equity (ytd only) | 3.0887% | 4,486 |
| Net charge-offs to loans | 1.8296% | 724 |
| Credit loss provision to net charge-offs | 75.1362% | 4,310 |
| Earnings coverage of net charge-offs (x) | 1.4715% | 4,529 |
| Efficiency ratio | 65.1668% | 4,866 |
| Assets per employee ($millions) | 2.7053% | 6,641 |
| Cash dividends to net income (ytd only)* | 55.6328% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9838% | 2,375 |
| Loan loss allowance to noncurrent loans | 39.5232% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 4.7176% | 1,249 |
| Noncurrent loans to loans | 5.0193% | 1,237 |
| Net loans and leases to total assets | 53.9216% | 5,170 |
| Net loans and leases to deposits | 61.0038% | 5,516 |
| Net loans and leases to core deposits | 64.2722% | 5,591 |
| Total domestic deposits to total assets | 88.3906% | 1,813 |
| Equity capital to assets | 10.8302% | 3,322 |
| Core capital (leverage) ratio | 9.2568% | 4,535 |
| Tier 1 risk-based capital ratio | 14.1264% | 4,257 |
| Total risk-based capital ratio | 15.3820% | 4,223 |
| Memoranda: | ||
| Average total assets | $529,286,500 | 1,268 |
| Average earning assets | $433,512,750 | 1,409 |
| Average equity | $55,081,250 | 1,232 |
| Average total loans | $307,741,250 | 1,394 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0897% | 395 |
| Cost of funding earning assets | 1.3448% | 1,678 |
| Net interest margin | 4.7449% | 663 |
| Noninterest income to average assets | 0.6042% | 3,109 |
| Noninterest expense to average assets | 3.0871% | 3,300 |
| Loan and lease loss provision to assets | 0.5783% | 1,674 |
| Net operating income to assets | 0.8014% | 3,066 |
| Return on assets (ROA) | 0.8014% | 3,192 |
| Pretax return on assets | 0.8529% | 3,823 |
| Return on Equity (ROE) | 7.8175% | 3,033 |
| Retained earnings to average equity (ytd only) | 3.6613% | 3,893 |
| Net charge-offs to loans | 0.9440% | 1,657 |
| Credit loss provision to net charge-offs | 103.3218% | 2,991 |
| Earnings coverage of net charge-offs (x) | 2.5571% | 3,549 |
| Efficiency ratio | 67.2096% | 4,662 |
| Assets per employee ($millions) | 2.5018% | 6,905 |
| Cash dividends to net income (ytd only)* | 53.1658% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4415% | 1,532 |
| Loan loss allowance to noncurrent loans | 45.5755% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 4.7687% | 1,302 |
| Noncurrent loans to loans | 5.3571% | 1,189 |
| Net loans and leases to total assets | 56.0392% | 4,986 |
| Net loans and leases to deposits | 63.1859% | 5,372 |
| Net loans and leases to core deposits | 66.8070% | 5,410 |
| Total domestic deposits to total assets | 88.6894% | 1,724 |
| Equity capital to assets | 10.4654% | 3,552 |
| Core capital (leverage) ratio | 8.8491% | 4,965 |
| Tier 1 risk-based capital ratio | 13.4742% | 4,548 |
| Total risk-based capital ratio | 14.7352% | 4,516 |
| Memoranda: | ||
| Average total assets | $516,346,000 | 1,304 |
| Average earning assets | $425,932,000 | 1,436 |
| Average equity | $52,932,670 | 1,271 |
| Average total loans | $306,144,000 | 1,415 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1727% | 345 |
| Cost of funding earning assets | 1.3937% | 1,638 |
| Net interest margin | 4.7790% | 593 |
| Noninterest income to average assets | 0.5491% | 3,520 |
| Noninterest expense to average assets | 3.0572% | 3,432 |
| Loan and lease loss provision to assets | 0.5918% | 1,454 |
| Net operating income to assets | 0.7901% | 3,082 |
| Return on assets (ROA) | 0.7901% | 3,151 |
| Pretax return on assets | 0.8415% | 3,737 |
| Return on Equity (ROE) | 7.7900% | 3,010 |
| Retained earnings to average equity (ytd only) | 4.3397% | 3,568 |
| Net charge-offs to loans | 0.9104% | 1,462 |
| Credit loss provision to net charge-offs | 107.9433% | 2,470 |
| Earnings coverage of net charge-offs (x) | 2.6142% | 3,033 |
| Efficiency ratio | 66.9553% | 4,859 |
| Assets per employee ($millions) | 2.4927% | 6,994 |
| Cash dividends to net income (ytd only)* | 44.2913% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3933% | 1,613 |
| Loan loss allowance to noncurrent loans | 55.5843% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 4.3317% | 1,512 |
| Noncurrent loans to loans | 4.3058% | 1,649 |
| Net loans and leases to total assets | 57.1927% | 4,765 |
| Net loans and leases to deposits | 64.1063% | 5,239 |
| Net loans and leases to core deposits | 67.8243% | 5,311 |
| Total domestic deposits to total assets | 89.2154% | 1,641 |
| Equity capital to assets | 10.0719% | 3,683 |
| Core capital (leverage) ratio | 8.8719% | 4,818 |
| Tier 1 risk-based capital ratio | 13.1221% | 4,732 |
| Total risk-based capital ratio | 14.3827% | 4,704 |
| Memoranda: | ||
| Average total assets | $514,333,500 | 1,313 |
| Average earning assets | $424,189,500 | 1,450 |
| Average equity | $52,169,500 | 1,281 |
| Average total loans | $309,761,000 | 1,409 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4039% | 375 |
| Cost of funding earning assets | 1.6191% | 1,957 |
| Net interest margin | 4.7848% | 684 |
| Noninterest income to average assets | 0.8397% | 2,101 |
| Noninterest expense to average assets | 3.1787% | 3,161 |
| Loan and lease loss provision to assets | 0.7765% | 2,115 |
| Net operating income to assets | 0.9160% | 2,329 |
| Return on assets (ROA) | 0.9160% | 2,454 |
| Pretax return on assets | 0.9779% | 3,006 |
| Return on Equity (ROE) | 9.0266% | 2,276 |
| Retained earnings to average equity (ytd only) | 5.0420% | 2,386 |
| Net charge-offs to loans | 0.9811% | 2,220 |
| Credit loss provision to net charge-offs | 125.0238% | 3,270 |
| Earnings coverage of net charge-offs (x) | 2.8247% | 3,664 |
| Efficiency ratio | 63.3921% | 5,444 |
| Assets per employee ($millions) | 2.4526% | 7,073 |
| Cash dividends to net income (ytd only)* | 44.1430% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3070% | 1,683 |
| Loan loss allowance to noncurrent loans | 54.8910% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 4.3751% | 1,529 |
| Noncurrent loans to loans | 4.2029% | 1,723 |
| Net loans and leases to total assets | 60.4710% | 4,589 |
| Net loans and leases to deposits | 67.9106% | 5,113 |
| Net loans and leases to core deposits | 72.7250% | 5,136 |
| Total domestic deposits to total assets | 89.0450% | 1,632 |
| Equity capital to assets | 10.2162% | 3,482 |
| Core capital (leverage) ratio | 8.8740% | 4,742 |
| Tier 1 risk-based capital ratio | 12.7906% | 4,780 |
| Total risk-based capital ratio | 14.0505% | 4,741 |
| Memoranda: | ||
| Average total assets | $506,995,600 | 1,318 |
| Average earning assets | $433,748,600 | 1,400 |
| Average equity | $51,448,200 | 1,295 |
| Average total loans | $320,967,200 | 1,398 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3255% | 482 |
| Cost of funding earning assets | 1.6482% | 2,114 |
| Net interest margin | 4.6773% | 886 |
| Noninterest income to average assets | 0.9357% | 1,664 |
| Noninterest expense to average assets | 3.1497% | 3,110 |
| Loan and lease loss provision to assets | 0.8918% | 1,702 |
| Net operating income to assets | 0.8673% | 2,756 |
| Return on assets (ROA) | 0.8673% | 2,884 |
| Pretax return on assets | 0.9263% | 3,466 |
| Return on Equity (ROE) | 8.5617% | 2,667 |
| Retained earnings to average equity (ytd only) | 4.5367% | 3,318 |
| Net charge-offs to loans | 1.0980% | 1,853 |
| Credit loss provision to net charge-offs | 127.5875% | 3,193 |
| Earnings coverage of net charge-offs (x) | 2.6011% | 3,850 |
| Efficiency ratio | 62.3650% | 5,548 |
| Assets per employee ($millions) | 2.4332% | 7,160 |
| Cash dividends to net income (ytd only)* | 47.0126% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2780% | 1,656 |
| Loan loss allowance to noncurrent loans | 58.3868% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 4.2858% | 1,591 |
| Noncurrent loans to loans | 3.9015% | 1,938 |
| Net loans and leases to total assets | 61.5793% | 4,618 |
| Net loans and leases to deposits | 69.5473% | 5,213 |
| Net loans and leases to core deposits | 74.6162% | 5,214 |
| Total domestic deposits to total assets | 88.5429% | 1,654 |
| Equity capital to assets | 10.6728% | 3,320 |
| Core capital (leverage) ratio | 8.7532% | 5,098 |
| Tier 1 risk-based capital ratio | 12.7093% | 4,805 |
| Total risk-based capital ratio | 13.9696% | 4,778 |
| Memoranda: | ||
| Average total assets | $506,821,250 | 1,329 |
| Average earning assets | $436,906,250 | 1,410 |
| Average equity | $51,343,500 | 1,303 |
| Average total loans | $322,644,750 | 1,406 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3452% | 469 |
| Cost of funding earning assets | 1.6778% | 2,244 |
| Net interest margin | 4.6675% | 870 |
| Noninterest income to average assets | 1.0399% | 1,249 |
| Noninterest expense to average assets | 3.1269% | 3,199 |
| Loan and lease loss provision to assets | 0.8905% | 1,639 |
| Net operating income to assets | 0.9774% | 2,272 |
| Return on assets (ROA) | 0.9774% | 2,353 |
| Pretax return on assets | 1.0454% | 2,956 |
| Return on Equity (ROE) | 9.8210% | 2,170 |
| Retained earnings to average equity (ytd only) | 6.2656% | 2,190 |
| Net charge-offs to loans | 0.9738% | 1,905 |
| Credit loss provision to net charge-offs | 143.1732% | 2,772 |
| Earnings coverage of net charge-offs (x) | 3.1125% | 3,447 |
| Efficiency ratio | 60.7517% | 5,906 |
| Assets per employee ($millions) | 2.4907% | 7,117 |
| Cash dividends to net income (ytd only)* | 36.2027% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2273% | 1,709 |
| Loan loss allowance to noncurrent loans | 52.1076% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 4.6716% | 1,390 |
| Noncurrent loans to loans | 4.2745% | 1,740 |
| Net loans and leases to total assets | 61.4270% | 4,797 |
| Net loans and leases to deposits | 68.9564% | 5,422 |
| Net loans and leases to core deposits | 74.6029% | 5,376 |
| Total domestic deposits to total assets | 89.0810% | 1,391 |
| Equity capital to assets | 10.1143% | 3,872 |
| Core capital (leverage) ratio | 8.5708% | 5,292 |
| Tier 1 risk-based capital ratio | 12.4776% | 4,877 |
| Total risk-based capital ratio | 13.7374% | 4,850 |
| Memoranda: | ||
| Average total assets | $508,682,670 | 1,333 |
| Average earning assets | $438,440,330 | 1,415 |
| Average equity | $50,626,000 | 1,320 |
| Average total loans | $324,908,670 | 1,410 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3254% | 503 |
| Cost of funding earning assets | 1.7101% | 2,337 |
| Net interest margin | 4.6152% | 922 |
| Noninterest income to average assets | 1.1290% | 979 |
| Noninterest expense to average assets | 3.1868% | 2,921 |
| Loan and lease loss provision to assets | 0.8036% | 1,573 |
| Net operating income to assets | 1.0517% | 1,994 |
| Return on assets (ROA) | 1.0517% | 2,057 |
| Pretax return on assets | 1.1187% | 2,673 |
| Return on Equity (ROE) | 10.6550% | 1,886 |
| Retained earnings to average equity (ytd only) | 8.2606% | 1,600 |
| Net charge-offs to loans | 0.8123% | 1,907 |
| Credit loss provision to net charge-offs | 153.6145% | 2,336 |
| Earnings coverage of net charge-offs (x) | 3.6747% | 2,828 |
| Efficiency ratio | 61.3724% | 5,931 |
| Assets per employee ($millions) | 2.5078% | 7,183 |
| Cash dividends to net income (ytd only)* | 22.4719% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0990% | 1,960 |
| Loan loss allowance to noncurrent loans | 68.6054% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 3.6717% | 1,902 |
| Noncurrent loans to loans | 3.0596% | 2,615 |
| Net loans and leases to total assets | 61.5556% | 4,848 |
| Net loans and leases to deposits | 68.8672% | 5,487 |
| Net loans and leases to core deposits | 73.8552% | 5,513 |
| Total domestic deposits to total assets | 89.3830% | 1,309 |
| Equity capital to assets | 9.8253% | 4,081 |
| Core capital (leverage) ratio | 8.5658% | 5,263 |
| Tier 1 risk-based capital ratio | 12.1849% | 5,007 |
| Total risk-based capital ratio | 13.4432% | 4,975 |
| Memoranda: | ||
| Average total assets | $507,726,000 | 1,363 |
| Average earning assets | $437,856,500 | 1,454 |
| Average equity | $50,117,500 | 1,333 |
| Average total loans | $326,968,500 | 1,441 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7430% | 416 |
| Cost of funding earning assets | 2.1034% | 2,443 |
| Net interest margin | 4.6396% | 917 |
| Noninterest income to average assets | 1.3035% | 882 |
| Noninterest expense to average assets | 3.3015% | 3,003 |
| Loan and lease loss provision to assets | 1.0834% | 2,107 |
| Net operating income to assets | 0.9449% | 2,025 |
| Return on assets (ROA) | 0.9945% | 1,906 |
| Pretax return on assets | 1.0493% | 2,416 |
| Return on Equity (ROE) | 10.5990% | 1,520 |
| Retained earnings to average equity (ytd only) | 2.1731% | 3,587 |
| Net charge-offs to loans | 1.0018% | 2,410 |
| Credit loss provision to net charge-offs | 163.8804% | 2,669 |
| Earnings coverage of net charge-offs (x) | 3.1470% | 3,487 |
| Efficiency ratio | 60.3650% | 6,425 |
| Assets per employee ($millions) | 2.3642% | 7,396 |
| Cash dividends to net income (ytd only)* | 79.4971% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9634% | 2,104 |
| Loan loss allowance to noncurrent loans | 59.5686% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 3.5255% | 1,901 |
| Noncurrent loans to loans | 3.2961% | 2,317 |
| Net loans and leases to total assets | 64.6807% | 4,449 |
| Net loans and leases to deposits | 72.4644% | 5,264 |
| Net loans and leases to core deposits | 100.8713% | 3,913 |
| Total domestic deposits to total assets | 89.2586% | 1,348 |
| Equity capital to assets | 9.9183% | 3,877 |
| Core capital (leverage) ratio | 8.5376% | 5,222 |
| Tier 1 risk-based capital ratio | 11.7570% | 5,152 |
| Total risk-based capital ratio | 13.0140% | 5,110 |
| Memoranda: | ||
| Average total assets | $495,835,200 | 1,393 |
| Average earning assets | $435,873,800 | 1,452 |
| Average equity | $46,523,400 | 1,451 |
| Average total loans | $327,199,200 | 1,470 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7969% | 420 |
| Cost of funding earning assets | 2.1769% | 2,521 |
| Net interest margin | 4.6200% | 956 |
| Noninterest income to average assets | 1.3102% | 902 |
| Noninterest expense to average assets | 3.4482% | 2,425 |
| Loan and lease loss provision to assets | 1.0743% | 1,812 |
| Net operating income to assets | 0.8297% | 2,696 |
| Return on assets (ROA) | 0.8957% | 2,506 |
| Pretax return on assets | 0.9380% | 3,105 |
| Return on Equity (ROE) | 9.6856% | 2,039 |
| Retained earnings to average equity (ytd only) | -1.7298% | 5,665 |
| Net charge-offs to loans | 0.7897% | 2,389 |
| Credit loss provision to net charge-offs | 206.1499% | 2,150 |
| Earnings coverage of net charge-offs (x) | 3.7282% | 3,405 |
| Efficiency ratio | 62.9833% | 5,928 |
| Assets per employee ($millions) | 2.3072% | 7,498 |
| Cash dividends to net income (ytd only)* | 117.8593% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 1,906 |
| Loan loss allowance to noncurrent loans | 69.5925% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 3.0758% | 2,235 |
| Noncurrent loans to loans | 2.8014% | 2,708 |
| Net loans and leases to total assets | 66.0329% | 4,429 |
| Net loans and leases to deposits | 74.2083% | 5,340 |
| Net loans and leases to core deposits | 104.7512% | 3,850 |
| Total domestic deposits to total assets | 88.9832% | 1,205 |
| Equity capital to assets | 9.9854% | 4,105 |
| Core capital (leverage) ratio | 8.1962% | 6,021 |
| Tier 1 risk-based capital ratio | 11.5593% | 5,375 |
| Total risk-based capital ratio | 12.8165% | 5,311 |
| Memoranda: | ||
| Average total assets | $495,082,500 | 1,410 |
| Average earning assets | $437,307,000 | 1,456 |
| Average equity | $45,785,000 | 1,498 |
| Average total loans | $326,719,250 | 1,488 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7338% | 511 |
| Cost of funding earning assets | 2.2165% | 2,715 |
| Net interest margin | 4.5173% | 1,132 |
| Noninterest income to average assets | 1.2880% | 920 |
| Noninterest expense to average assets | 3.5291% | 2,256 |
| Loan and lease loss provision to assets | 0.6812% | 2,387 |
| Net operating income to assets | 1.0192% | 2,038 |
| Return on assets (ROA) | 1.0192% | 2,127 |
| Pretax return on assets | 1.0852% | 2,689 |
| Return on Equity (ROE) | 11.3166% | 1,607 |
| Retained earnings to average equity (ytd only) | -1.7290% | 5,675 |
| Net charge-offs to loans | 0.7575% | 2,165 |
| Credit loss provision to net charge-offs | 137.1961% | 3,403 |
| Earnings coverage of net charge-offs (x) | 3.5575% | 3,394 |
| Efficiency ratio | 65.6561% | 5,605 |
| Assets per employee ($millions) | 2.4925% | 7,271 |
| Cash dividends to net income (ytd only)* | 115.2783% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 3,343 |
| Loan loss allowance to noncurrent loans | 72.6302% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 2.4283% | 2,659 |
| Noncurrent loans to loans | 2.0264% | 3,478 |
| Net loans and leases to total assets | 64.1841% | 4,944 |
| Net loans and leases to deposits | 71.2937% | 5,835 |
| Net loans and leases to core deposits | 100.2799% | 4,480 |
| Total domestic deposits to total assets | 90.0277% | 820 |
| Equity capital to assets | 8.9085% | 5,444 |
| Core capital (leverage) ratio | 7.6475% | 6,830 |
| Tier 1 risk-based capital ratio | 10.7489% | 6,137 |
| Total risk-based capital ratio | 12.0003% | 6,073 |
| Memoranda: | ||
| Average total assets | $497,065,000 | 1,425 |
| Average earning assets | $440,972,670 | 1,462 |
| Average equity | $44,766,000 | 1,532 |
| Average total loans | $325,821,670 | 1,527 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6680% | 616 |
| Cost of funding earning assets | 2.3016% | 2,692 |
| Net interest margin | 4.3665% | 1,429 |
| Noninterest income to average assets | 1.2789% | 876 |
| Noninterest expense to average assets | 3.2973% | 2,661 |
| Loan and lease loss provision to assets | 0.8383% | 1,548 |
| Net operating income to assets | 0.9744% | 2,422 |
| Return on assets (ROA) | 0.9744% | 2,548 |
| Pretax return on assets | 1.0432% | 3,189 |
| Return on Equity (ROE) | 10.7596% | 2,041 |
| Retained earnings to average equity (ytd only) | -4.4451% | 6,482 |
| Net charge-offs to loans | 1.0531% | 1,286 |
| Credit loss provision to net charge-offs | 121.0526% | 3,254 |
| Earnings coverage of net charge-offs (x) | 2.7170% | 3,401 |
| Efficiency ratio | 62.6525% | 5,942 |
| Assets per employee ($millions) | 2.3669% | 7,501 |
| Cash dividends to net income (ytd only)* | 141.3134% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 3,472 |
| Loan loss allowance to noncurrent loans | 72.9665% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 2.1503% | 2,672 |
| Noncurrent loans to loans | 1.9249% | 3,375 |
| Net loans and leases to total assets | 63.6258% | 5,050 |
| Net loans and leases to deposits | 70.6769% | 5,911 |
| Net loans and leases to core deposits | 99.6812% | 4,570 |
| Total domestic deposits to total assets | 90.0236% | 793 |
| Equity capital to assets | 9.0045% | 5,343 |
| Core capital (leverage) ratio | 7.7869% | 6,767 |
| Tier 1 risk-based capital ratio | 10.7201% | 6,167 |
| Total risk-based capital ratio | 11.9706% | 6,075 |
| Memoranda: | ||
| Average total assets | $493,860,000 | 1,438 |
| Average earning assets | $441,088,500 | 1,472 |
| Average equity | $44,723,000 | 1,533 |
| Average total loans | $324,743,500 | 1,546 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6132% | 333 |
| Cost of funding earning assets | 2.7749% | 2,806 |
| Net interest margin | 4.8384% | 722 |
| Noninterest income to average assets | 1.4771% | 647 |
| Noninterest expense to average assets | 3.2092% | 3,306 |
| Loan and lease loss provision to assets | 0.6146% | 2,369 |
| Net operating income to assets | 1.7847% | 565 |
| Return on assets (ROA) | 1.7847% | 545 |
| Pretax return on assets | 1.9177% | 737 |
| Return on Equity (ROE) | 19.4537% | 418 |
| Retained earnings to average equity (ytd only) | 3.9109% | 2,696 |
| Net charge-offs to loans | 0.6649% | 1,862 |
| Credit loss provision to net charge-offs | 141.5258% | 3,746 |
| Earnings coverage of net charge-offs (x) | 5.8310% | 3,521 |
| Efficiency ratio | 55.8948% | 7,027 |
| Assets per employee ($millions) | 2.4297% | 7,348 |
| Cash dividends to net income (ytd only)* | 79.8966% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 3,527 |
| Loan loss allowance to noncurrent loans | 136.4147% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 1.4160% | 3,364 |
| Noncurrent loans to loans | 0.9832% | 4,628 |
| Net loans and leases to total assets | 66.1212% | 4,825 |
| Net loans and leases to deposits | 74.9219% | 5,741 |
| Net loans and leases to core deposits | 107.2718% | 4,053 |
| Total domestic deposits to total assets | 88.2534% | 1,358 |
| Equity capital to assets | 9.1088% | 5,212 |
| Core capital (leverage) ratio | 8.1307% | 6,281 |
| Tier 1 risk-based capital ratio | 10.9354% | 5,783 |
| Total risk-based capital ratio | 12.1792% | 5,706 |
| Memoranda: | ||
| Average total assets | $476,876,000 | 1,443 |
| Average earning assets | $420,308,000 | 1,481 |
| Average equity | $43,750,000 | 1,538 |
| Average total loans | $311,471,000 | 1,553 |