Home > Citizens 1st Bank > Performance and Condition Ratios
Citizens 1st Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 3,879 |
| Cost of funding earning assets | 1.7017% | 1,455 |
| Net interest margin | 2.3499% | 4,222 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 1.1049% | 4,487 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.2451% | 1,546 |
| Return on assets (ROA) | 1.2348% | 1,545 |
| Pretax return on assets | 1.2348% | 2,050 |
| Return on Equity (ROE) | 7.9600% | 3,031 |
| Retained earnings to average equity (ytd only) | 4.3717% | 2,840 |
| Net charge-offs to loans | 0.0026% | 2,701 |
| Credit loss provision to net charge-offs | 555.5556% | 624 |
| Earnings coverage of net charge-offs (x) | 999.0000% | 154 |
| Efficiency ratio | 46.8774% | 4,153 |
| Assets per employee ($millions) | 12.9331% | 331 |
| Cash dividends to net income (ytd only)* | 45.1111% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4157% | 4,381 |
| Loan loss allowance to noncurrent loans | 34.5093% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.5998% | 917 |
| Noncurrent loans to loans | 1.2045% | 590 |
| Net loans and leases to total assets | 49.5900% | 3,621 |
| Net loans and leases to deposits | 65.6837% | 3,191 |
| Net loans and leases to core deposits | 80.7340% | 2,667 |
| Total domestic deposits to total assets | 75.5000% | 3,988 |
| Equity capital to assets | 15.8736% | 475 |
| Core capital (leverage) ratio | 20.4469% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0523% | 149 |
| Memoranda: | ||
| Average total assets | $718,100,800 | 1,276 |
| Average earning assets | $700,460,200 | 1,233 |
| Average equity | $111,329,200 | 880 |
| Average total loans | $346,449,000 | 1,625 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 3,857 |
| Cost of funding earning assets | 1.5847% | 1,403 |
| Net interest margin | 2.4073% | 4,222 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 1.0809% | 4,510 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.3232% | 1,489 |
| Return on assets (ROA) | 1.3058% | 1,520 |
| Pretax return on assets | 1.3058% | 2,027 |
| Return on Equity (ROE) | 8.4700% | 3,069 |
| Retained earnings to average equity (ytd only) | 8.4748% | 1,821 |
| Net charge-offs to loans | 0.0008% | 2,620 |
| Credit loss provision to net charge-offs | 2,500.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 3,564.5000% | 26 |
| Efficiency ratio | 44.7878% | 4,197 |
| Assets per employee ($millions) | 12.0344% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4238% | 4,392 |
| Loan loss allowance to noncurrent loans | 180.5654% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 2,769 |
| Noncurrent loans to loans | 0.2347% | 2,409 |
| Net loans and leases to total assets | 50.7300% | 3,569 |
| Net loans and leases to deposits | 66.7284% | 3,069 |
| Net loans and leases to core deposits | 81.1647% | 2,519 |
| Total domestic deposits to total assets | 76.0300% | 4,008 |
| Equity capital to assets | 15.4721% | 491 |
| Core capital (leverage) ratio | 20.7973% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6065% | 146 |
| Memoranda: | ||
| Average total assets | $713,329,000 | 1,282 |
| Average earning assets | $696,131,000 | 1,234 |
| Average equity | $109,907,000 | 885 |
| Average total loans | $341,282,250 | 1,635 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8950% | 3,878 |
| Cost of funding earning assets | 1.4062% | 1,434 |
| Net interest margin | 2.4888% | 4,218 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 1.0823% | 4,545 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.4020% | 1,325 |
| Return on assets (ROA) | 1.3944% | 1,326 |
| Pretax return on assets | 1.3944% | 1,826 |
| Return on Equity (ROE) | 9.0600% | 2,975 |
| Retained earnings to average equity (ytd only) | 9.0627% | 1,668 |
| Net charge-offs to loans | 0.0012% | 2,363 |
| Credit loss provision to net charge-offs | 1,250.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 2,516.5000% | 52 |
| Efficiency ratio | 43.4431% | 4,283 |
| Assets per employee ($millions) | 12.7659% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4207% | 4,429 |
| Loan loss allowance to noncurrent loans | 480.2548% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 3,334 |
| Noncurrent loans to loans | 0.0876% | 3,066 |
| Net loans and leases to total assets | 49.9300% | 3,565 |
| Net loans and leases to deposits | 63.6766% | 3,215 |
| Net loans and leases to core deposits | 77.6915% | 2,640 |
| Total domestic deposits to total assets | 78.4100% | 3,797 |
| Equity capital to assets | 15.7770% | 466 |
| Core capital (leverage) ratio | 20.8983% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.3655% | 146 |
| Memoranda: | ||
| Average total assets | $714,428,333 | 1,279 |
| Average earning assets | $697,054,667 | 1,228 |
| Average equity | $109,923,667 | 875 |
| Average total loans | $334,461,000 | 1,651 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7349% | 3,970 |
| Cost of funding earning assets | 1.2402% | 1,360 |
| Net interest margin | 2.4947% | 4,310 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.0468% | 4,618 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4489% | 1,288 |
| Return on assets (ROA) | 1.4377% | 1,286 |
| Pretax return on assets | 1.4377% | 1,795 |
| Return on Equity (ROE) | 9.4600% | 2,931 |
| Retained earnings to average equity (ytd only) | 9.4643% | 1,822 |
| Net charge-offs to loans | 0.0037% | 1,861 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 862.3333% | 123 |
| Efficiency ratio | 41.9434% | 4,391 |
| Assets per employee ($millions) | 11.9984% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4524% | 4,472 |
| Loan loss allowance to noncurrent loans | 595.1807% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 3,435 |
| Noncurrent loans to loans | 0.0760% | 3,196 |
| Net loans and leases to total assets | 45.3000% | 3,809 |
| Net loans and leases to deposits | 56.4377% | 3,549 |
| Net loans and leases to core deposits | 67.1104% | 3,152 |
| Total domestic deposits to total assets | 80.2600% | 3,729 |
| Equity capital to assets | 15.6447% | 430 |
| Core capital (leverage) ratio | 20.6440% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.2882% | 149 |
| Memoranda: | ||
| Average total assets | $714,197,500 | 1,298 |
| Average earning assets | $696,669,500 | 1,244 |
| Average equity | $108,491,500 | 892 |
| Average total loans | $322,470,500 | 1,714 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2426% | 3,735 |
| Cost of funding earning assets | 0.6489% | 717 |
| Net interest margin | 2.5938% | 4,187 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 1.1571% | 4,620 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 1.4950% | 891 |
| Return on assets (ROA) | 1.4280% | 1,022 |
| Pretax return on assets | 1.4280% | 1,691 |
| Return on Equity (ROE) | 9.1200% | 3,096 |
| Retained earnings to average equity (ytd only) | 9.1226% | 1,450 |
| Net charge-offs to loans | 0.0003% | 2,603 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,717 |
| Earnings coverage of net charge-offs (x) | 10,854.0000% | 8 |
| Efficiency ratio | 44.1896% | 4,424 |
| Assets per employee ($millions) | 12.0083% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4679% | 4,466 |
| Loan loss allowance to noncurrent loans | 773.4375% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 3,547 |
| Noncurrent loans to loans | 0.0605% | 3,319 |
| Net loans and leases to total assets | 44.5800% | 3,866 |
| Net loans and leases to deposits | 56.0382% | 3,577 |
| Net loans and leases to core deposits | 63.7911% | 3,276 |
| Total domestic deposits to total assets | 79.5600% | 3,939 |
| Equity capital to assets | 14.7294% | 502 |
| Core capital (leverage) ratio | 20.2932% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.3853% | 149 |
| Memoranda: | ||
| Average total assets | $742,741,400 | 1,256 |
| Average earning assets | $726,013,800 | 1,193 |
| Average equity | $116,261,200 | 838 |
| Average total loans | $292,393,400 | 1,756 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0994% | 3,680 |
| Cost of funding earning assets | 0.5475% | 584 |
| Net interest margin | 2.5518% | 4,163 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.0321% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5505% | 742 |
| Return on assets (ROA) | 1.4966% | 842 |
| Pretax return on assets | 1.4966% | 1,420 |
| Return on Equity (ROE) | 9.4300% | 2,899 |
| Retained earnings to average equity (ytd only) | 9.4297% | 1,508 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.9643% | 4,572 |
| Assets per employee ($millions) | 12.2918% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5535% | 4,425 |
| Loan loss allowance to noncurrent loans | 859.4059% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,649 |
| Noncurrent loans to loans | 0.0644% | 3,413 |
| Net loans and leases to total assets | 43.7500% | 3,889 |
| Net loans and leases to deposits | 54.9941% | 3,548 |
| Net loans and leases to core deposits | 63.0089% | 3,191 |
| Total domestic deposits to total assets | 79.5600% | 4,138 |
| Equity capital to assets | 14.6339% | 486 |
| Core capital (leverage) ratio | 19.4838% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.1483% | 151 |
| Memoranda: | ||
| Average total assets | $751,304,500 | 1,250 |
| Average earning assets | $735,138,000 | 1,193 |
| Average equity | $119,237,500 | 836 |
| Average total loans | $286,154,750 | 1,783 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9640% | 3,646 |
| Cost of funding earning assets | 0.4693% | 627 |
| Net interest margin | 2.4947% | 4,095 |
| Noninterest income to average assets | 0.0961% | 4,497 |
| Noninterest expense to average assets | 1.0446% | 4,681 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4920% | 730 |
| Return on assets (ROA) | 1.4396% | 797 |
| Pretax return on assets | 1.4396% | 1,332 |
| Return on Equity (ROE) | 8.8562% | 2,746 |
| Retained earnings to average equity (ytd only) | 8.8562% | 1,331 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1825% | 4,592 |
| Assets per employee ($millions) | 11.9971% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5851% | 4,474 |
| Loan loss allowance to noncurrent loans | 510.5882% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.0873% | 3,110 |
| Noncurrent loans to loans | 0.1146% | 3,169 |
| Net loans and leases to total assets | 40.3070% | 4,059 |
| Net loans and leases to deposits | 52.7365% | 3,631 |
| Net loans and leases to core deposits | 62.2229% | 3,094 |
| Total domestic deposits to total assets | 76.4308% | 4,438 |
| Equity capital to assets | 14.6148% | 452 |
| Core capital (leverage) ratio | 18.8129% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6113% | 104 |
| Memoranda: | ||
| Average total assets | $764,097,000 | 1,233 |
| Average earning assets | $747,507,667 | 1,189 |
| Average equity | $124,207,000 | 805 |
| Average total loans | $276,985,000 | 1,818 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8168% | 3,718 |
| Cost of funding earning assets | 0.4315% | 716 |
| Net interest margin | 2.3853% | 4,100 |
| Noninterest income to average assets | 0.1143% | 4,436 |
| Noninterest expense to average assets | 1.0581% | 4,705 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3914% | 818 |
| Return on assets (ROA) | 1.2970% | 1,002 |
| Pretax return on assets | 1.2970% | 1,518 |
| Return on Equity (ROE) | 7.6186% | 2,832 |
| Retained earnings to average equity (ytd only) | 7.6186% | 1,697 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1980% | 4,579 |
| Assets per employee ($millions) | 13.3241% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6249% | 4,490 |
| Loan loss allowance to noncurrent loans | 475.6164% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 3,200 |
| Noncurrent loans to loans | 0.1314% | 3,152 |
| Net loans and leases to total assets | 36.3514% | 4,186 |
| Net loans and leases to deposits | 47.4175% | 3,906 |
| Net loans and leases to core deposits | 56.3333% | 3,418 |
| Total domestic deposits to total assets | 76.6624% | 4,478 |
| Equity capital to assets | 16.3230% | 294 |
| Core capital (leverage) ratio | 18.3218% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.4869% | 119 |
| Memoranda: | ||
| Average total assets | $780,235,000 | 1,213 |
| Average earning assets | $763,839,000 | 1,175 |
| Average equity | $132,833,500 | 770 |
| Average total loans | $267,122,000 | 1,848 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8139% | 4,184 |
| Cost of funding earning assets | 0.4540% | 1,170 |
| Net interest margin | 2.3599% | 4,358 |
| Noninterest income to average assets | 0.1475% | 4,416 |
| Noninterest expense to average assets | 1.0367% | 4,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4156% | 1,232 |
| Return on assets (ROA) | 1.5383% | 979 |
| Pretax return on assets | 1.5383% | 1,605 |
| Return on Equity (ROE) | 7.8397% | 3,267 |
| Retained earnings to average equity (ytd only) | -0.1546% | 4,513 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2761% | 4,628 |
| Assets per employee ($millions) | 13.1311% | 301 |
| Cash dividends to net income (ytd only)* | 101.9714% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 4,463 |
| Loan loss allowance to noncurrent loans | 79.0888% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 1,991 |
| Noncurrent loans to loans | 0.8560% | 1,187 |
| Net loans and leases to total assets | 31.7970% | 4,454 |
| Net loans and leases to deposits | 43.9409% | 4,184 |
| Net loans and leases to core deposits | 52.5549% | 3,853 |
| Total domestic deposits to total assets | 72.3631% | 4,634 |
| Equity capital to assets | 17.6902% | 268 |
| Core capital (leverage) ratio | 18.3216% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.2637% | 112 |
| Memoranda: | ||
| Average total assets | $765,001,000 | 1,203 |
| Average earning assets | $747,157,000 | 1,158 |
| Average equity | $150,107,200 | 711 |
| Average total loans | $242,651,800 | 1,978 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8402% | 4,249 |
| Cost of funding earning assets | 0.4667% | 1,240 |
| Net interest margin | 2.3734% | 4,425 |
| Noninterest income to average assets | 0.1517% | 4,435 |
| Noninterest expense to average assets | 0.9681% | 4,844 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5010% | 1,274 |
| Return on assets (ROA) | 1.6202% | 1,028 |
| Pretax return on assets | 1.6202% | 1,641 |
| Return on Equity (ROE) | 8.0475% | 3,387 |
| Retained earnings to average equity (ytd only) | 8.0475% | 2,041 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2071% | 4,744 |
| Assets per employee ($millions) | 11.9924% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6723% | 4,546 |
| Loan loss allowance to noncurrent loans | 340.3922% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 3,244 |
| Noncurrent loans to loans | 0.1975% | 3,159 |
| Net loans and leases to total assets | 33.9490% | 4,468 |
| Net loans and leases to deposits | 47.2775% | 4,154 |
| Net loans and leases to core deposits | 57.3732% | 3,670 |
| Total domestic deposits to total assets | 71.8080% | 4,690 |
| Equity capital to assets | 20.6469% | 166 |
| Core capital (leverage) ratio | 20.4106% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.1369% | 101 |
| Memoranda: | ||
| Average total assets | $756,002,000 | 1,228 |
| Average earning assets | $738,152,250 | 1,176 |
| Average equity | $152,209,500 | 714 |
| Average total loans | $239,207,500 | 2,030 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8042% | 4,334 |
| Cost of funding earning assets | 0.4805% | 1,317 |
| Net interest margin | 2.3237% | 4,496 |
| Noninterest income to average assets | 0.1698% | 4,356 |
| Noninterest expense to average assets | 0.9453% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4910% | 1,320 |
| Return on assets (ROA) | 1.5901% | 1,125 |
| Pretax return on assets | 1.5901% | 1,764 |
| Return on Equity (ROE) | 7.9656% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.9656% | 2,084 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8014% | 4,783 |
| Assets per employee ($millions) | 12.0893% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 4,462 |
| Loan loss allowance to noncurrent loans | 291.2752% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 3,315 |
| Noncurrent loans to loans | 0.2553% | 3,023 |
| Net loans and leases to total assets | 30.4254% | 4,638 |
| Net loans and leases to deposits | 43.8062% | 4,389 |
| Net loans and leases to core deposits | 53.5467% | 4,047 |
| Total domestic deposits to total assets | 69.4545% | 4,769 |
| Equity capital to assets | 19.9490% | 193 |
| Core capital (leverage) ratio | 20.1971% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.4680% | 86 |
| Memoranda: | ||
| Average total assets | $756,161,333 | 1,226 |
| Average earning assets | $737,537,333 | 1,167 |
| Average equity | $150,948,667 | 715 |
| Average total loans | $232,867,000 | 2,077 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8561% | 4,310 |
| Cost of funding earning assets | 0.5098% | 1,331 |
| Net interest margin | 2.3463% | 4,470 |
| Noninterest income to average assets | 0.1529% | 4,438 |
| Noninterest expense to average assets | 0.9588% | 4,914 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4812% | 1,374 |
| Return on assets (ROA) | 1.5465% | 1,290 |
| Pretax return on assets | 1.5465% | 1,863 |
| Return on Equity (ROE) | 7.7445% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.7445% | 2,337 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2950% | 4,763 |
| Assets per employee ($millions) | 11.9346% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7612% | 4,472 |
| Loan loss allowance to noncurrent loans | 277.7600% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 3,371 |
| Noncurrent loans to loans | 0.2740% | 3,118 |
| Net loans and leases to total assets | 30.1023% | 4,690 |
| Net loans and leases to deposits | 44.0315% | 4,418 |
| Net loans and leases to core deposits | 53.1141% | 4,140 |
| Total domestic deposits to total assets | 68.3654% | 4,797 |
| Equity capital to assets | 19.7439% | 193 |
| Core capital (leverage) ratio | 19.6226% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.8342% | 88 |
| Memoranda: | ||
| Average total assets | $753,428,000 | 1,209 |
| Average earning assets | $734,438,500 | 1,161 |
| Average equity | $150,454,500 | 713 |
| Average total loans | $232,568,500 | 2,081 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2199% | 4,428 |
| Cost of funding earning assets | 0.7151% | 1,644 |
| Net interest margin | 2.5048% | 4,587 |
| Noninterest income to average assets | 0.1586% | 4,502 |
| Noninterest expense to average assets | 1.0499% | 4,922 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5503% | 712 |
| Return on assets (ROA) | 1.5806% | 725 |
| Pretax return on assets | 1.5806% | 1,115 |
| Return on Equity (ROE) | 7.4709% | 3,011 |
| Retained earnings to average equity (ytd only) | 0.2930% | 4,428 |
| Net charge-offs to loans | -0.0539% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3770% | 4,859 |
| Assets per employee ($millions) | 12.1770% | 310 |
| Cash dividends to net income (ytd only)* | 96.0783% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7323% | 4,539 |
| Loan loss allowance to noncurrent loans | 245.5446% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 3,430 |
| Noncurrent loans to loans | 0.2982% | 3,128 |
| Net loans and leases to total assets | 31.1708% | 4,729 |
| Net loans and leases to deposits | 45.9688% | 4,464 |
| Net loans and leases to core deposits | 55.0448% | 4,204 |
| Total domestic deposits to total assets | 67.8086% | 4,821 |
| Equity capital to assets | 20.1939% | 194 |
| Core capital (leverage) ratio | 19.6883% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.9022% | 84 |
| Memoranda: | ||
| Average total assets | $724,355,800 | 1,143 |
| Average earning assets | $706,085,800 | 1,092 |
| Average equity | $153,247,000 | 660 |
| Average total loans | $248,698,200 | 1,927 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2908% | 4,483 |
| Cost of funding earning assets | 0.7736% | 1,617 |
| Net interest margin | 2.5172% | 4,645 |
| Noninterest income to average assets | 0.1442% | 4,583 |
| Noninterest expense to average assets | 0.9750% | 4,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6250% | 683 |
| Return on assets (ROA) | 1.6661% | 695 |
| Pretax return on assets | 1.6661% | 1,036 |
| Return on Equity (ROE) | 7.7820% | 2,888 |
| Retained earnings to average equity (ytd only) | 7.7820% | 1,377 |
| Net charge-offs to loans | -0.0005% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5000% | 4,937 |
| Assets per employee ($millions) | 11.9430% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6586% | 4,647 |
| Loan loss allowance to noncurrent loans | 227.8409% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 3,450 |
| Noncurrent loans to loans | 0.2891% | 3,241 |
| Net loans and leases to total assets | 33.2094% | 4,761 |
| Net loans and leases to deposits | 49.8196% | 4,492 |
| Net loans and leases to core deposits | 60.7170% | 4,165 |
| Total domestic deposits to total assets | 66.6593% | 4,836 |
| Equity capital to assets | 22.1720% | 145 |
| Core capital (leverage) ratio | 21.1201% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.1951% | 84 |
| Memoranda: | ||
| Average total assets | $716,700,500 | 1,138 |
| Average earning assets | $699,232,500 | 1,089 |
| Average equity | $153,444,000 | 652 |
| Average total loans | $251,605,750 | 1,913 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3768% | 4,564 |
| Cost of funding earning assets | 0.8529% | 1,586 |
| Net interest margin | 2.5239% | 4,718 |
| Noninterest income to average assets | 0.1369% | 4,619 |
| Noninterest expense to average assets | 0.9779% | 5,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6202% | 729 |
| Return on assets (ROA) | 1.6822% | 695 |
| Pretax return on assets | 1.6822% | 1,036 |
| Return on Equity (ROE) | 7.9536% | 2,766 |
| Retained earnings to average equity (ytd only) | 7.9536% | 1,325 |
| Net charge-offs to loans | 0.0008% | 3,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5,774.0000% | 7 |
| Efficiency ratio | 37.6391% | 4,959 |
| Assets per employee ($millions) | 11.5633% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6305% | 4,701 |
| Loan loss allowance to noncurrent loans | 197.2906% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 3,467 |
| Noncurrent loans to loans | 0.3196% | 3,240 |
| Net loans and leases to total assets | 35.2169% | 4,745 |
| Net loans and leases to deposits | 52.7413% | 4,417 |
| Net loans and leases to core deposits | 63.6369% | 4,098 |
| Total domestic deposits to total assets | 66.7730% | 4,870 |
| Equity capital to assets | 21.9922% | 147 |
| Core capital (leverage) ratio | 21.1214% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.8757% | 99 |
| Memoranda: | ||
| Average total assets | $712,759,667 | 1,126 |
| Average earning assets | $695,034,667 | 1,086 |
| Average equity | $150,749,333 | 659 |
| Average total loans | $254,293,667 | 1,870 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4453% | 4,694 |
| Cost of funding earning assets | 0.9910% | 1,458 |
| Net interest margin | 2.4542% | 4,845 |
| Noninterest income to average assets | 0.0861% | 4,877 |
| Noninterest expense to average assets | 1.0249% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4544% | 869 |
| Return on assets (ROA) | 1.5765% | 723 |
| Pretax return on assets | 1.5765% | 1,120 |
| Return on Equity (ROE) | 7.6067% | 2,680 |
| Retained earnings to average equity (ytd only) | 7.6067% | 1,345 |
| Net charge-offs to loans | 0.0079% | 2,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 516.8000% | 119 |
| Efficiency ratio | 41.3394% | 4,962 |
| Assets per employee ($millions) | 11.3952% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6281% | 4,721 |
| Loan loss allowance to noncurrent loans | 203.8265% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 3,615 |
| Noncurrent loans to loans | 0.3082% | 3,395 |
| Net loans and leases to total assets | 35.7841% | 4,786 |
| Net loans and leases to deposits | 55.1698% | 4,399 |
| Net loans and leases to core deposits | 66.5622% | 4,051 |
| Total domestic deposits to total assets | 64.8618% | 4,977 |
| Equity capital to assets | 21.0654% | 199 |
| Core capital (leverage) ratio | 20.5421% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.7757% | 96 |
| Memoranda: | ||
| Average total assets | $710,678,500 | 1,100 |
| Average earning assets | $693,007,500 | 1,043 |
| Average equity | $147,290,500 | 668 |
| Average total loans | $254,400,500 | 1,832 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6173% | 4,764 |
| Cost of funding earning assets | 1.1056% | 1,298 |
| Net interest margin | 2.5117% | 4,964 |
| Noninterest income to average assets | 0.1348% | 4,799 |
| Noninterest expense to average assets | 1.0589% | 5,114 |
| Loan and lease loss provision to assets | -0.0211% | 4,958 |
| Net operating income to assets | 1.5468% | 949 |
| Return on assets (ROA) | 1.5909% | 909 |
| Pretax return on assets | 1.5909% | 1,513 |
| Return on Equity (ROE) | 7.8193% | 3,240 |
| Retained earnings to average equity (ytd only) | 0.3858% | 4,579 |
| Net charge-offs to loans | -0.0047% | 4,338 |
| Credit loss provision to net charge-offs | 1,250.0000% | 274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9700% | 5,048 |
| Assets per employee ($millions) | 12.1162% | 216 |
| Cash dividends to net income (ytd only)* | 95.0654% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6301% | 4,688 |
| Loan loss allowance to noncurrent loans | 128.8585% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 3,522 |
| Noncurrent loans to loans | 0.4890% | 2,723 |
| Net loans and leases to total assets | 35.3617% | 4,861 |
| Net loans and leases to deposits | 53.9654% | 4,531 |
| Net loans and leases to core deposits | 64.8113% | 4,248 |
| Total domestic deposits to total assets | 65.5266% | 5,032 |
| Equity capital to assets | 20.3892% | 236 |
| Core capital (leverage) ratio | 20.6789% | 214 |
| Tier 1 risk-based capital ratio | 48.8844% | 140 |
| Total risk-based capital ratio | 49.4468% | 142 |
| Memoranda: | ||
| Average total assets | $710,803,000 | 1,052 |
| Average earning assets | $693,302,200 | 1,015 |
| Average equity | $144,617,000 | 649 |
| Average total loans | $255,525,800 | 1,796 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 4,814 |
| Cost of funding earning assets | 1.1288% | 1,250 |
| Net interest margin | 2.5384% | 5,042 |
| Noninterest income to average assets | 0.1437% | 4,822 |
| Noninterest expense to average assets | 0.9860% | 5,202 |
| Loan and lease loss provision to assets | -0.0282% | 5,090 |
| Net operating income to assets | 1.6628% | 805 |
| Return on assets (ROA) | 1.7220% | 753 |
| Pretax return on assets | 1.7220% | 1,275 |
| Return on Equity (ROE) | 8.4682% | 3,131 |
| Retained earnings to average equity (ytd only) | 1.3090% | 4,489 |
| Net charge-offs to loans | -0.0042% | 4,159 |
| Credit loss provision to net charge-offs | 1,875.0000% | 209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6245% | 5,156 |
| Assets per employee ($millions) | 11.1873% | 258 |
| Cash dividends to net income (ytd only)* | 84.5424% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6352% | 4,755 |
| Loan loss allowance to noncurrent loans | 125.3135% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 3,620 |
| Noncurrent loans to loans | 0.5069% | 2,775 |
| Net loans and leases to total assets | 35.4900% | 4,954 |
| Net loans and leases to deposits | 55.6394% | 4,566 |
| Net loans and leases to core deposits | 65.7135% | 4,296 |
| Total domestic deposits to total assets | 63.7857% | 5,127 |
| Equity capital to assets | 20.7431% | 230 |
| Core capital (leverage) ratio | 20.5932% | 224 |
| Tier 1 risk-based capital ratio | 51.9787% | 124 |
| Total risk-based capital ratio | 52.5715% | 126 |
| Memoranda: | ||
| Average total assets | $709,790,500 | 1,059 |
| Average earning assets | $692,607,750 | 1,017 |
| Average equity | $144,333,000 | 643 |
| Average total loans | $255,810,500 | 1,809 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7355% | 4,789 |
| Cost of funding earning assets | 1.1466% | 1,147 |
| Net interest margin | 2.5889% | 5,079 |
| Noninterest income to average assets | 0.1375% | 4,884 |
| Noninterest expense to average assets | 0.9980% | 5,251 |
| Loan and lease loss provision to assets | -0.0422% | 5,164 |
| Net operating income to assets | 1.7078% | 717 |
| Return on assets (ROA) | 1.7468% | 695 |
| Pretax return on assets | 1.7468% | 1,177 |
| Return on Equity (ROE) | 8.6479% | 3,004 |
| Retained earnings to average equity (ytd only) | 8.6479% | 1,146 |
| Net charge-offs to loans | -0.0023% | 3,983 |
| Credit loss provision to net charge-offs | 5,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4670% | 5,193 |
| Assets per employee ($millions) | 11.4941% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6247% | 4,832 |
| Loan loss allowance to noncurrent loans | 156.8898% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 3,769 |
| Noncurrent loans to loans | 0.3981% | 3,104 |
| Net loans and leases to total assets | 36.1681% | 4,971 |
| Net loans and leases to deposits | 60.5523% | 4,404 |
| Net loans and leases to core deposits | 68.7007% | 4,177 |
| Total domestic deposits to total assets | 59.7303% | 5,211 |
| Equity capital to assets | 21.4714% | 189 |
| Core capital (leverage) ratio | 20.8256% | 205 |
| Tier 1 risk-based capital ratio | 53.3626% | 117 |
| Total risk-based capital ratio | 53.9491% | 119 |
| Memoranda: | ||
| Average total assets | $711,453,330 | 1,059 |
| Average earning assets | $694,205,670 | 1,020 |
| Average equity | $143,711,330 | 643 |
| Average total loans | $257,169,670 | 1,811 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6333% | 4,931 |
| Cost of funding earning assets | 1.1476% | 1,050 |
| Net interest margin | 2.4857% | 5,194 |
| Noninterest income to average assets | 0.1334% | 4,929 |
| Noninterest expense to average assets | 0.9863% | 5,321 |
| Loan and lease loss provision to assets | -0.0837% | 5,278 |
| Net operating income to assets | 1.6572% | 799 |
| Return on assets (ROA) | 1.7309% | 713 |
| Pretax return on assets | 1.7309% | 1,137 |
| Return on Equity (ROE) | 8.8414% | 2,877 |
| Retained earnings to average equity (ytd only) | 8.8414% | 1,374 |
| Net charge-offs to loans | -0.0031% | 3,928 |
| Credit loss provision to net charge-offs | 7,500.0000% | 40 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5303% | 5,235 |
| Assets per employee ($millions) | 11.5528% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6300% | 4,883 |
| Loan loss allowance to noncurrent loans | 212.9679% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 4,054 |
| Noncurrent loans to loans | 0.2958% | 3,510 |
| Net loans and leases to total assets | 35.6539% | 5,027 |
| Net loans and leases to deposits | 53.2398% | 4,704 |
| Net loans and leases to core deposits | 59.7157% | 4,574 |
| Total domestic deposits to total assets | 66.9685% | 5,197 |
| Equity capital to assets | 20.4469% | 224 |
| Core capital (leverage) ratio | 19.9364% | 237 |
| Tier 1 risk-based capital ratio | 51.8296% | 120 |
| Total risk-based capital ratio | 52.4114% | 122 |
| Memoranda: | ||
| Average total assets | $716,611,000 | 1,056 |
| Average earning assets | $699,529,000 | 1,012 |
| Average equity | $140,295,000 | 654 |
| Average total loans | $258,163,500 | 1,817 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5599% | 4,848 |
| Cost of funding earning assets | 0.9201% | 1,023 |
| Net interest margin | 2.6398% | 5,130 |
| Noninterest income to average assets | 0.1447% | 4,989 |
| Noninterest expense to average assets | 1.0604% | 5,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6618% | 754 |
| Return on assets (ROA) | 1.6630% | 746 |
| Pretax return on assets | 1.6630% | 1,267 |
| Return on Equity (ROE) | 8.4849% | 3,227 |
| Retained earnings to average equity (ytd only) | -0.6408% | 5,057 |
| Net charge-offs to loans | 0.0291% | 2,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 160.3600% | 536 |
| Efficiency ratio | 38.9554% | 5,296 |
| Assets per employee ($millions) | 11.9426% | 200 |
| Cash dividends to net income (ytd only)* | 107.5523% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6608% | 4,881 |
| Loan loss allowance to noncurrent loans | 219.5460% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 4,073 |
| Noncurrent loans to loans | 0.3010% | 3,477 |
| Net loans and leases to total assets | 35.9275% | 5,064 |
| Net loans and leases to deposits | 53.0082% | 4,784 |
| Net loans and leases to core deposits | 60.1185% | 4,624 |
| Total domestic deposits to total assets | 67.7774% | 5,214 |
| Equity capital to assets | 18.7366% | 289 |
| Core capital (leverage) ratio | 19.7730% | 242 |
| Tier 1 risk-based capital ratio | 50.7931% | 128 |
| Total risk-based capital ratio | 51.4304% | 128 |
| Memoranda: | ||
| Average total assets | $723,751,600 | 1,026 |
| Average earning assets | $706,670,600 | 980 |
| Average equity | $141,851,200 | 614 |
| Average total loans | $258,042,600 | 1,791 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5488% | 4,875 |
| Cost of funding earning assets | 0.8684% | 1,039 |
| Net interest margin | 2.6804% | 5,180 |
| Noninterest income to average assets | 0.1450% | 5,053 |
| Noninterest expense to average assets | 0.9885% | 5,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7747% | 631 |
| Return on assets (ROA) | 1.7764% | 633 |
| Pretax return on assets | 1.7764% | 1,067 |
| Return on Equity (ROE) | 8.9641% | 3,106 |
| Retained earnings to average equity (ytd only) | 8.9641% | 1,232 |
| Net charge-offs to loans | 0.0405% | 2,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 123.3046% | 643 |
| Efficiency ratio | 35.7730% | 5,393 |
| Assets per employee ($millions) | 11.7899% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6577% | 4,953 |
| Loan loss allowance to noncurrent loans | 214.4266% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 4,178 |
| Noncurrent loans to loans | 0.3067% | 3,578 |
| Net loans and leases to total assets | 36.5253% | 5,126 |
| Net loans and leases to deposits | 56.1547% | 4,745 |
| Net loans and leases to core deposits | 65.4452% | 4,432 |
| Total domestic deposits to total assets | 65.0440% | 5,339 |
| Equity capital to assets | 19.9883% | 229 |
| Core capital (leverage) ratio | 21.1154% | 190 |
| Tier 1 risk-based capital ratio | 55.7126% | 97 |
| Total risk-based capital ratio | 56.3617% | 101 |
| Memoranda: | ||
| Average total assets | $722,564,500 | 1,028 |
| Average earning assets | $705,805,500 | 976 |
| Average equity | $143,190,000 | 602 |
| Average total loans | $256,685,000 | 1,806 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5228% | 4,892 |
| Cost of funding earning assets | 0.7926% | 1,157 |
| Net interest margin | 2.7302% | 5,190 |
| Noninterest income to average assets | 0.1545% | 5,052 |
| Noninterest expense to average assets | 0.9896% | 5,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8312% | 546 |
| Return on assets (ROA) | 1.8074% | 575 |
| Pretax return on assets | 1.8074% | 945 |
| Return on Equity (ROE) | 9.1467% | 2,954 |
| Retained earnings to average equity (ytd only) | 9.1467% | 1,169 |
| Net charge-offs to loans | 0.0740% | 1,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 70.4894% | 907 |
| Efficiency ratio | 35.0838% | 5,457 |
| Assets per employee ($millions) | 12.0375% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6739% | 4,989 |
| Loan loss allowance to noncurrent loans | 206.1005% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 4,179 |
| Noncurrent loans to loans | 0.3270% | 3,531 |
| Net loans and leases to total assets | 35.7561% | 5,189 |
| Net loans and leases to deposits | 55.3819% | 4,783 |
| Net loans and leases to core deposits | 66.4650% | 4,345 |
| Total domestic deposits to total assets | 64.5628% | 5,407 |
| Equity capital to assets | 20.1056% | 223 |
| Core capital (leverage) ratio | 20.7927% | 196 |
| Tier 1 risk-based capital ratio | 53.5446% | 113 |
| Total risk-based capital ratio | 54.1752% | 115 |
| Memoranda: | ||
| Average total assets | $723,691,330 | 1,030 |
| Average earning assets | $706,757,670 | 978 |
| Average equity | $143,002,330 | 594 |
| Average total loans | $254,105,670 | 1,824 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4809% | 4,914 |
| Cost of funding earning assets | 0.7056% | 1,409 |
| Net interest margin | 2.7753% | 5,183 |
| Noninterest income to average assets | 0.1385% | 5,174 |
| Noninterest expense to average assets | 1.0021% | 5,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8482% | 514 |
| Return on assets (ROA) | 1.8526% | 508 |
| Pretax return on assets | 1.8526% | 815 |
| Return on Equity (ROE) | 9.4559% | 2,692 |
| Retained earnings to average equity (ytd only) | 9.4559% | 1,314 |
| Net charge-offs to loans | -0.0016% | 3,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1585% | 5,520 |
| Assets per employee ($millions) | 12.2280% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7223% | 4,981 |
| Loan loss allowance to noncurrent loans | 298.0328% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 4,429 |
| Noncurrent loans to loans | 0.2423% | 3,900 |
| Net loans and leases to total assets | 34.6367% | 5,250 |
| Net loans and leases to deposits | 50.7708% | 4,932 |
| Net loans and leases to core deposits | 60.0144% | 4,655 |
| Total domestic deposits to total assets | 68.2217% | 5,412 |
| Equity capital to assets | 19.6855% | 227 |
| Core capital (leverage) ratio | 19.8546% | 218 |
| Tier 1 risk-based capital ratio | 51.5124% | 122 |
| Total risk-based capital ratio | 52.1671% | 125 |
| Memoranda: | ||
| Average total assets | $730,430,000 | 1,030 |
| Average earning assets | $713,722,000 | 986 |
| Average equity | $143,107,000 | 597 |
| Average total loans | $253,324,500 | 1,835 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5114% | 4,769 |
| Cost of funding earning assets | 0.6248% | 1,437 |
| Net interest margin | 2.8866% | 5,062 |
| Noninterest income to average assets | 0.1332% | 5,279 |
| Noninterest expense to average assets | 1.0606% | 5,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.8849% | 351 |
| Return on assets (ROA) | 1.8856% | 360 |
| Pretax return on assets | 1.8856% | 617 |
| Return on Equity (ROE) | 9.1879% | 2,217 |
| Retained earnings to average equity (ytd only) | 0.5490% | 4,818 |
| Net charge-offs to loans | 0.0589% | 2,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 87.6943% | 711 |
| Efficiency ratio | 36.0074% | 5,580 |
| Assets per employee ($millions) | 12.1214% | 181 |
| Cash dividends to net income (ytd only)* | 94.0245% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7127% | 5,044 |
| Loan loss allowance to noncurrent loans | 253.7709% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 4,388 |
| Noncurrent loans to loans | 0.2808% | 3,778 |
| Net loans and leases to total assets | 34.2337% | 5,339 |
| Net loans and leases to deposits | 50.4117% | 5,046 |
| Net loans and leases to core deposits | 59.8639% | 4,762 |
| Total domestic deposits to total assets | 67.9083% | 5,477 |
| Equity capital to assets | 19.5011% | 229 |
| Core capital (leverage) ratio | 19.0687% | 231 |
| Tier 1 risk-based capital ratio | 48.7827% | 125 |
| Total risk-based capital ratio | 49.4171% | 128 |
| Memoranda: | ||
| Average total assets | $730,419,000 | 1,005 |
| Average earning assets | $711,626,400 | 965 |
| Average equity | $149,904,200 | 544 |
| Average total loans | $266,560,200 | 1,728 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5105% | 4,793 |
| Cost of funding earning assets | 0.5915% | 1,593 |
| Net interest margin | 2.9190% | 5,065 |
| Noninterest income to average assets | 0.1322% | 5,345 |
| Noninterest expense to average assets | 0.9811% | 5,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9940% | 319 |
| Return on assets (ROA) | 1.9940% | 325 |
| Pretax return on assets | 1.9940% | 560 |
| Return on Equity (ROE) | 9.5945% | 2,308 |
| Retained earnings to average equity (ytd only) | 9.5945% | 684 |
| Net charge-offs to loans | 0.0910% | 1,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 59.1841% | 998 |
| Efficiency ratio | 32.9764% | 5,675 |
| Assets per employee ($millions) | 12.3511% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 5,162 |
| Loan loss allowance to noncurrent loans | 225.5990% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 4,521 |
| Noncurrent loans to loans | 0.3045% | 3,850 |
| Net loans and leases to total assets | 34.9003% | 5,389 |
| Net loans and leases to deposits | 53.8157% | 4,973 |
| Net loans and leases to core deposits | 65.3481% | 4,526 |
| Total domestic deposits to total assets | 64.8515% | 5,610 |
| Equity capital to assets | 21.5785% | 167 |
| Core capital (leverage) ratio | 20.4505% | 198 |
| Tier 1 risk-based capital ratio | 52.4532% | 114 |
| Total risk-based capital ratio | 53.0796% | 117 |
| Memoranda: | ||
| Average total assets | $728,172,250 | 1,014 |
| Average earning assets | $709,169,250 | 973 |
| Average equity | $151,332,250 | 547 |
| Average total loans | $269,464,500 | 1,723 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5232% | 4,705 |
| Cost of funding earning assets | 0.5677% | 1,663 |
| Net interest margin | 2.9555% | 4,993 |
| Noninterest income to average assets | 0.1321% | 5,388 |
| Noninterest expense to average assets | 0.9988% | 5,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.0070% | 303 |
| Return on assets (ROA) | 2.0070% | 310 |
| Pretax return on assets | 2.0070% | 519 |
| Return on Equity (ROE) | 9.7850% | 2,133 |
| Retained earnings to average equity (ytd only) | 9.7850% | 625 |
| Net charge-offs to loans | 0.1321% | 1,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 40.3556% | 1,242 |
| Efficiency ratio | 33.2292% | 5,723 |
| Assets per employee ($millions) | 11.5413% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 5,284 |
| Loan loss allowance to noncurrent loans | 213.9618% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 4,551 |
| Noncurrent loans to loans | 0.3084% | 3,936 |
| Net loans and leases to total assets | 37.1268% | 5,330 |
| Net loans and leases to deposits | 59.0748% | 4,696 |
| Net loans and leases to core deposits | 71.8724% | 4,101 |
| Total domestic deposits to total assets | 62.8471% | 5,677 |
| Equity capital to assets | 21.3070% | 170 |
| Core capital (leverage) ratio | 20.3847% | 192 |
| Tier 1 risk-based capital ratio | 50.0831% | 116 |
| Total risk-based capital ratio | 50.6975% | 121 |
| Memoranda: | ||
| Average total assets | $723,874,670 | 1,024 |
| Average earning assets | $703,851,330 | 982 |
| Average equity | $148,472,670 | 552 |
| Average total loans | $272,478,330 | 1,704 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 4,703 |
| Cost of funding earning assets | 0.5407% | 1,780 |
| Net interest margin | 2.9545% | 4,983 |
| Noninterest income to average assets | 0.1357% | 5,432 |
| Noninterest expense to average assets | 1.0290% | 5,800 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9755% | 318 |
| Return on assets (ROA) | 1.9755% | 330 |
| Pretax return on assets | 1.9755% | 531 |
| Return on Equity (ROE) | 9.8233% | 2,041 |
| Retained earnings to average equity (ytd only) | 9.8233% | 849 |
| Net charge-offs to loans | 0.2697% | 679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 19.3859% | 1,529 |
| Efficiency ratio | 34.2488% | 5,774 |
| Assets per employee ($millions) | 11.3432% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6635% | 5,379 |
| Loan loss allowance to noncurrent loans | 215.0240% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 4,611 |
| Noncurrent loans to loans | 0.3086% | 4,018 |
| Net loans and leases to total assets | 37.4791% | 5,349 |
| Net loans and leases to deposits | 56.7369% | 4,771 |
| Net loans and leases to core deposits | 68.5383% | 4,254 |
| Total domestic deposits to total assets | 66.0576% | 5,712 |
| Equity capital to assets | 20.6288% | 189 |
| Core capital (leverage) ratio | 20.1270% | 195 |
| Tier 1 risk-based capital ratio | 47.9781% | 147 |
| Total risk-based capital ratio | 48.5807% | 150 |
| Memoranda: | ||
| Average total assets | $722,260,500 | 1,029 |
| Average earning assets | $701,302,000 | 983 |
| Average equity | $145,247,000 | 554 |
| Average total loans | $272,846,000 | 1,714 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5058% | 4,763 |
| Cost of funding earning assets | 0.5031% | 2,068 |
| Net interest margin | 3.0027% | 4,956 |
| Noninterest income to average assets | 0.2057% | 5,182 |
| Noninterest expense to average assets | 1.0729% | 5,847 |
| Loan and lease loss provision to assets | 0.0778% | 2,807 |
| Net operating income to assets | 1.9754% | 337 |
| Return on assets (ROA) | 1.9754% | 357 |
| Pretax return on assets | 1.9754% | 530 |
| Return on Equity (ROE) | 9.3683% | 2,244 |
| Retained earnings to average equity (ytd only) | 1.5862% | 4,624 |
| Net charge-offs to loans | 0.1762% | 1,557 |
| Credit loss provision to net charge-offs | 117.3196% | 2,257 |
| Earnings coverage of net charge-offs (x) | 30.9588% | 1,406 |
| Efficiency ratio | 34.3205% | 5,845 |
| Assets per employee ($millions) | 11.0591% | 223 |
| Cash dividends to net income (ytd only)* | 83.0680% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7147% | 5,330 |
| Loan loss allowance to noncurrent loans | 154.1406% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 4,438 |
| Noncurrent loans to loans | 0.4637% | 3,497 |
| Net loans and leases to total assets | 37.5526% | 5,416 |
| Net loans and leases to deposits | 57.0781% | 4,853 |
| Net loans and leases to core deposits | 67.7292% | 4,417 |
| Total domestic deposits to total assets | 65.7917% | 5,761 |
| Equity capital to assets | 19.6022% | 218 |
| Core capital (leverage) ratio | 19.4194% | 210 |
| Tier 1 risk-based capital ratio | 45.7311% | 170 |
| Total risk-based capital ratio | 46.3807% | 172 |
| Memoranda: | ||
| Average total assets | $731,278,800 | 984 |
| Average earning assets | $711,252,400 | 937 |
| Average equity | $154,200,600 | 514 |
| Average total loans | $275,312,000 | 1,641 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4965% | 4,811 |
| Cost of funding earning assets | 0.4972% | 2,124 |
| Net interest margin | 2.9993% | 5,013 |
| Noninterest income to average assets | 0.2109% | 5,204 |
| Noninterest expense to average assets | 1.0069% | 5,922 |
| Loan and lease loss provision to assets | 0.1037% | 2,192 |
| Net operating income to assets | 2.0234% | 330 |
| Return on assets (ROA) | 2.0234% | 343 |
| Pretax return on assets | 2.0234% | 544 |
| Return on Equity (ROE) | 9.4302% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.4302% | 707 |
| Net charge-offs to loans | 0.2035% | 1,149 |
| Credit loss provision to net charge-offs | 135.4762% | 1,916 |
| Earnings coverage of net charge-offs (x) | 27.7903% | 1,555 |
| Efficiency ratio | 32.1277% | 5,923 |
| Assets per employee ($millions) | 11.3056% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7383% | 5,338 |
| Loan loss allowance to noncurrent loans | 44.2178% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 2,775 |
| Noncurrent loans to loans | 1.6696% | 1,265 |
| Net loans and leases to total assets | 37.8701% | 5,473 |
| Net loans and leases to deposits | 58.3300% | 4,862 |
| Net loans and leases to core deposits | 70.4383% | 4,289 |
| Total domestic deposits to total assets | 64.9239% | 5,835 |
| Equity capital to assets | 22.7982% | 139 |
| Core capital (leverage) ratio | 20.3656% | 189 |
| Tier 1 risk-based capital ratio | 50.0818% | 132 |
| Total risk-based capital ratio | 50.7732% | 133 |
| Memoranda: | ||
| Average total assets | $731,624,000 | 986 |
| Average earning assets | $713,036,500 | 934 |
| Average equity | $156,981,750 | 507 |
| Average total loans | $275,122,750 | 1,640 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4960% | 4,875 |
| Cost of funding earning assets | 0.4980% | 2,114 |
| Net interest margin | 2.9980% | 5,088 |
| Noninterest income to average assets | 0.2160% | 5,193 |
| Noninterest expense to average assets | 1.0135% | 6,002 |
| Loan and lease loss provision to assets | 0.1550% | 1,473 |
| Net operating income to assets | 1.9695% | 349 |
| Return on assets (ROA) | 1.9695% | 366 |
| Pretax return on assets | 1.9695% | 603 |
| Return on Equity (ROE) | 9.3713% | 2,325 |
| Retained earnings to average equity (ytd only) | 9.3713% | 752 |
| Net charge-offs to loans | 0.2940% | 811 |
| Credit loss provision to net charge-offs | 140.8416% | 1,674 |
| Earnings coverage of net charge-offs (x) | 19.3069% | 1,784 |
| Efficiency ratio | 32.2975% | 5,997 |
| Assets per employee ($millions) | 11.5663% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7354% | 5,442 |
| Loan loss allowance to noncurrent loans | 92.8991% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 3,953 |
| Noncurrent loans to loans | 0.7916% | 2,768 |
| Net loans and leases to total assets | 38.0499% | 5,512 |
| Net loans and leases to deposits | 59.6167% | 4,817 |
| Net loans and leases to core deposits | 71.6482% | 4,209 |
| Total domestic deposits to total assets | 63.8243% | 5,935 |
| Equity capital to assets | 22.2823% | 150 |
| Core capital (leverage) ratio | 20.0282% | 195 |
| Tier 1 risk-based capital ratio | 48.1341% | 148 |
| Total risk-based capital ratio | 48.8222% | 152 |
| Memoranda: | ||
| Average total assets | $734,312,670 | 984 |
| Average earning assets | $715,673,000 | 931 |
| Average equity | $154,323,000 | 512 |
| Average total loans | $274,813,670 | 1,643 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4620% | 4,977 |
| Cost of funding earning assets | 0.4816% | 2,258 |
| Net interest margin | 2.9804% | 5,165 |
| Noninterest income to average assets | 0.2729% | 4,777 |
| Noninterest expense to average assets | 0.9979% | 6,073 |
| Loan and lease loss provision to assets | 0.1845% | 1,080 |
| Net operating income to assets | 1.9953% | 336 |
| Return on assets (ROA) | 1.9953% | 356 |
| Pretax return on assets | 1.9953% | 577 |
| Return on Equity (ROE) | 9.7856% | 2,082 |
| Retained earnings to average equity (ytd only) | 9.7856% | 901 |
| Net charge-offs to loans | 0.0396% | 2,207 |
| Credit loss provision to net charge-offs | 1,259.2593% | 317 |
| Earnings coverage of net charge-offs (x) | 148.7778% | 402 |
| Efficiency ratio | 31.4037% | 6,064 |
| Assets per employee ($millions) | 10.8956% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8253% | 5,294 |
| Loan loss allowance to noncurrent loans | 93.2656% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 4,076 |
| Noncurrent loans to loans | 0.8849% | 2,631 |
| Net loans and leases to total assets | 36.7982% | 5,602 |
| Net loans and leases to deposits | 55.5347% | 5,013 |
| Net loans and leases to core deposits | 64.2728% | 4,672 |
| Total domestic deposits to total assets | 66.2616% | 5,963 |
| Equity capital to assets | 21.4406% | 168 |
| Core capital (leverage) ratio | 19.4590% | 214 |
| Tier 1 risk-based capital ratio | 45.5986% | 169 |
| Total risk-based capital ratio | 46.3153% | 171 |
| Memoranda: | ||
| Average total assets | $737,132,000 | 983 |
| Average earning assets | $718,423,000 | 922 |
| Average equity | $150,302,000 | 524 |
| Average total loans | $272,563,500 | 1,652 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4514% | 5,042 |
| Cost of funding earning assets | 0.6132% | 1,294 |
| Net interest margin | 2.8383% | 5,445 |
| Noninterest income to average assets | 0.1380% | 5,721 |
| Noninterest expense to average assets | 1.0445% | 6,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.8590% | 439 |
| Return on assets (ROA) | 1.8673% | 439 |
| Pretax return on assets | 1.8673% | 699 |
| Return on Equity (ROE) | 9.3443% | 2,296 |
| Retained earnings to average equity (ytd only) | 1.2929% | 4,979 |
| Net charge-offs to loans | 0.0045% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1,155.4167% | 44 |
| Efficiency ratio | 35.9732% | 6,109 |
| Assets per employee ($millions) | 11.4417% | 178 |
| Cash dividends to net income (ytd only)* | 86.1636% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6788% | 5,672 |
| Loan loss allowance to noncurrent loans | 120.8573% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 4,573 |
| Noncurrent loans to loans | 0.5616% | 3,489 |
| Net loans and leases to total assets | 36.6040% | 5,688 |
| Net loans and leases to deposits | 59.4282% | 4,811 |
| Net loans and leases to core deposits | 69.3351% | 4,350 |
| Total domestic deposits to total assets | 61.5937% | 6,075 |
| Equity capital to assets | 19.3897% | 236 |
| Core capital (leverage) ratio | 19.2375% | 227 |
| Tier 1 risk-based capital ratio | 42.4325% | 197 |
| Total risk-based capital ratio | 43.0200% | 202 |
| Memoranda: | ||
| Average total assets | $745,830,000 | 924 |
| Average earning assets | $726,709,200 | 877 |
| Average equity | $149,043,400 | 507 |
| Average total loans | $263,938,800 | 1,651 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5349% | 4,899 |
| Cost of funding earning assets | 0.6480% | 1,104 |
| Net interest margin | 2.8869% | 5,438 |
| Noninterest income to average assets | 0.0748% | 6,029 |
| Noninterest expense to average assets | 0.9687% | 6,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.9201% | 410 |
| Return on assets (ROA) | 1.9312% | 418 |
| Pretax return on assets | 1.9312% | 682 |
| Return on Equity (ROE) | 9.5915% | 2,270 |
| Retained earnings to average equity (ytd only) | 9.5915% | 715 |
| Net charge-offs to loans | 0.0082% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 669.2752% | 112 |
| Efficiency ratio | 33.5340% | 6,202 |
| Assets per employee ($millions) | 11.2639% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6970% | 5,735 |
| Loan loss allowance to noncurrent loans | 107.0415% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 4,635 |
| Noncurrent loans to loans | 0.6512% | 3,374 |
| Net loans and leases to total assets | 36.6802% | 5,766 |
| Net loans and leases to deposits | 59.1898% | 4,911 |
| Net loans and leases to core deposits | 69.1744% | 4,447 |
| Total domestic deposits to total assets | 61.9705% | 6,160 |
| Equity capital to assets | 21.3640% | 176 |
| Core capital (leverage) ratio | 20.4111% | 186 |
| Tier 1 risk-based capital ratio | 46.3470% | 163 |
| Total risk-based capital ratio | 46.9484% | 171 |
| Memoranda: | ||
| Average total assets | $743,499,500 | 936 |
| Average earning assets | $724,718,000 | 885 |
| Average equity | $149,698,750 | 510 |
| Average total loans | $260,347,250 | 1,680 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5624% | 4,828 |
| Cost of funding earning assets | 0.6792% | 938 |
| Net interest margin | 2.8832% | 5,473 |
| Noninterest income to average assets | 0.0814% | 6,087 |
| Noninterest expense to average assets | 0.9445% | 6,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9444% | 403 |
| Return on assets (ROA) | 1.9610% | 410 |
| Pretax return on assets | 1.9610% | 647 |
| Return on Equity (ROE) | 9.9377% | 2,101 |
| Retained earnings to average equity (ytd only) | 9.9377% | 679 |
| Net charge-offs to loans | 0.0109% | 3,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 518.9286% | 126 |
| Efficiency ratio | 32.6941% | 6,281 |
| Assets per employee ($millions) | 11.0925% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7121% | 5,789 |
| Loan loss allowance to noncurrent loans | 112.1212% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 4,673 |
| Noncurrent loans to loans | 0.6351% | 3,572 |
| Net loans and leases to total assets | 37.0632% | 5,775 |
| Net loans and leases to deposits | 58.7124% | 4,946 |
| Net loans and leases to core deposits | 70.5785% | 4,271 |
| Total domestic deposits to total assets | 63.1267% | 6,215 |
| Equity capital to assets | 20.9199% | 183 |
| Core capital (leverage) ratio | 19.7004% | 217 |
| Tier 1 risk-based capital ratio | 45.9524% | 184 |
| Total risk-based capital ratio | 46.5641% | 191 |
| Memoranda: | ||
| Average total assets | $747,282,000 | 930 |
| Average earning assets | $727,651,330 | 885 |
| Average equity | $147,459,330 | 516 |
| Average total loans | $256,983,000 | 1,701 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4301% | 5,145 |
| Cost of funding earning assets | 0.6588% | 1,060 |
| Net interest margin | 2.7713% | 5,700 |
| Noninterest income to average assets | 0.0909% | 6,122 |
| Noninterest expense to average assets | 0.8972% | 6,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8957% | 406 |
| Return on assets (ROA) | 1.9233% | 410 |
| Pretax return on assets | 1.9233% | 685 |
| Return on Equity (ROE) | 10.0264% | 1,999 |
| Retained earnings to average equity (ytd only) | 10.0264% | 922 |
| Net charge-offs to loans | 0.0142% | 2,885 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 403.3333% | 135 |
| Efficiency ratio | 32.1242% | 6,355 |
| Assets per employee ($millions) | 12.3591% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7354% | 5,838 |
| Loan loss allowance to noncurrent loans | 129.6779% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 4,778 |
| Noncurrent loans to loans | 0.5671% | 3,885 |
| Net loans and leases to total assets | 33.8762% | 5,929 |
| Net loans and leases to deposits | 54.5036% | 5,159 |
| Net loans and leases to core deposits | 63.8250% | 4,711 |
| Total domestic deposits to total assets | 62.1541% | 6,302 |
| Equity capital to assets | 19.9519% | 230 |
| Core capital (leverage) ratio | 19.1265% | 237 |
| Tier 1 risk-based capital ratio | 42.3031% | 230 |
| Total risk-based capital ratio | 42.8822% | 237 |
| Memoranda: | ||
| Average total assets | $765,961,500 | 909 |
| Average earning assets | $746,807,500 | 856 |
| Average equity | $146,931,500 | 518 |
| Average total loans | $252,971,000 | 1,718 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 4,747 |
| Cost of funding earning assets | 0.7606% | 799 |
| Net interest margin | 2.9512% | 5,551 |
| Noninterest income to average assets | 0.1098% | 6,117 |
| Noninterest expense to average assets | 0.9825% | 6,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.9988% | 328 |
| Return on assets (ROA) | 2.0320% | 317 |
| Pretax return on assets | 2.0320% | 485 |
| Return on Equity (ROE) | 10.4923% | 1,907 |
| Retained earnings to average equity (ytd only) | 0.0021% | 5,760 |
| Net charge-offs to loans | 0.0707% | 3,463 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 86.8118% | 590 |
| Efficiency ratio | 32.9548% | 6,456 |
| Assets per employee ($millions) | 12.9669% | 117 |
| Cash dividends to net income (ytd only)* | 99.9800% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7645% | 5,856 |
| Loan loss allowance to noncurrent loans | 118.0012% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 4,775 |
| Noncurrent loans to loans | 0.6479% | 3,745 |
| Net loans and leases to total assets | 31.7158% | 6,122 |
| Net loans and leases to deposits | 51.9195% | 5,485 |
| Net loans and leases to core deposits | 60.6356% | 5,088 |
| Total domestic deposits to total assets | 61.0865% | 6,393 |
| Equity capital to assets | 18.4372% | 292 |
| Core capital (leverage) ratio | 18.3330% | 274 |
| Tier 1 risk-based capital ratio | 41.3556% | 220 |
| Total risk-based capital ratio | 41.9400% | 225 |
| Memoranda: | ||
| Average total assets | $738,343,200 | 914 |
| Average earning assets | $718,382,200 | 857 |
| Average equity | $142,991,200 | 510 |
| Average total loans | $240,466,000 | 1,758 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7934% | 4,565 |
| Cost of funding earning assets | 0.7874% | 738 |
| Net interest margin | 3.0061% | 5,493 |
| Noninterest income to average assets | 0.1193% | 6,165 |
| Noninterest expense to average assets | 0.9249% | 6,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.1183% | 272 |
| Return on assets (ROA) | 2.1529% | 270 |
| Pretax return on assets | 2.1529% | 405 |
| Return on Equity (ROE) | 10.9760% | 1,797 |
| Retained earnings to average equity (ytd only) | 10.9760% | 514 |
| Net charge-offs to loans | 0.0492% | 3,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 131.5118% | 454 |
| Efficiency ratio | 30.3922% | 6,540 |
| Assets per employee ($millions) | 12.3800% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7969% | 5,881 |
| Loan loss allowance to noncurrent loans | 157.2561% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 5,010 |
| Noncurrent loans to loans | 0.5068% | 4,412 |
| Net loans and leases to total assets | 33.7954% | 6,121 |
| Net loans and leases to deposits | 54.3222% | 5,361 |
| Net loans and leases to core deposits | 64.2775% | 4,854 |
| Total domestic deposits to total assets | 62.2128% | 6,463 |
| Equity capital to assets | 20.8998% | 193 |
| Core capital (leverage) ratio | 19.7413% | 220 |
| Tier 1 risk-based capital ratio | 46.7041% | 157 |
| Total risk-based capital ratio | 47.3373% | 166 |
| Memoranda: | ||
| Average total assets | $728,425,000 | 931 |
| Average earning assets | $708,506,500 | 868 |
| Average equity | $142,878,000 | 513 |
| Average total loans | $238,418,750 | 1,773 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7955% | 4,546 |
| Cost of funding earning assets | 0.8008% | 699 |
| Net interest margin | 2.9947% | 5,544 |
| Noninterest income to average assets | 0.1099% | 6,245 |
| Noninterest expense to average assets | 0.9096% | 6,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1106% | 270 |
| Return on assets (ROA) | 2.1760% | 248 |
| Pretax return on assets | 2.1760% | 382 |
| Return on Equity (ROE) | 11.3423% | 1,618 |
| Retained earnings to average equity (ytd only) | 11.3423% | 492 |
| Net charge-offs to loans | 0.0800% | 2,889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 81.7021% | 649 |
| Efficiency ratio | 30.1183% | 6,607 |
| Assets per employee ($millions) | 12.8954% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 5,965 |
| Loan loss allowance to noncurrent loans | 167.4005% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 4,874 |
| Noncurrent loans to loans | 0.4806% | 4,556 |
| Net loans and leases to total assets | 33.1639% | 6,192 |
| Net loans and leases to deposits | 52.6714% | 5,451 |
| Net loans and leases to core deposits | 62.0715% | 4,965 |
| Total domestic deposits to total assets | 62.9637% | 6,529 |
| Equity capital to assets | 20.0944% | 212 |
| Core capital (leverage) ratio | 19.2208% | 232 |
| Tier 1 risk-based capital ratio | 45.4536% | 170 |
| Total risk-based capital ratio | 46.0845% | 178 |
| Memoranda: | ||
| Average total assets | $727,760,000 | 932 |
| Average earning assets | $707,253,330 | 869 |
| Average equity | $139,618,670 | 524 |
| Average total loans | $234,948,000 | 1,792 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7938% | 4,508 |
| Cost of funding earning assets | 0.8105% | 712 |
| Net interest margin | 2.9833% | 5,561 |
| Noninterest income to average assets | 0.1177% | 6,261 |
| Noninterest expense to average assets | 0.9208% | 6,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0941% | 287 |
| Return on assets (ROA) | 2.1438% | 276 |
| Pretax return on assets | 2.1438% | 393 |
| Return on Equity (ROE) | 11.4503% | 1,558 |
| Retained earnings to average equity (ytd only) | 11.4503% | 682 |
| Net charge-offs to loans | 0.1080% | 2,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 61.1452% | 648 |
| Efficiency ratio | 30.5423% | 6,672 |
| Assets per employee ($millions) | 12.7744% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 6,010 |
| Loan loss allowance to noncurrent loans | 117.6919% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 4,835 |
| Noncurrent loans to loans | 0.7213% | 4,064 |
| Net loans and leases to total assets | 32.2268% | 6,258 |
| Net loans and leases to deposits | 51.3167% | 5,495 |
| Net loans and leases to core deposits | 60.2462% | 5,015 |
| Total domestic deposits to total assets | 62.7998% | 6,609 |
| Equity capital to assets | 19.1148% | 254 |
| Core capital (leverage) ratio | 18.9829% | 247 |
| Tier 1 risk-based capital ratio | 45.1219% | 171 |
| Total risk-based capital ratio | 45.7769% | 180 |
| Memoranda: | ||
| Average total assets | $724,122,500 | 940 |
| Average earning assets | $703,249,000 | 881 |
| Average equity | $135,577,500 | 540 |
| Average total loans | $229,550,500 | 1,829 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1817% | 6,156 |
| Cost of funding earning assets | 0.8821% | 811 |
| Net interest margin | 2.2995% | 6,526 |
| Noninterest income to average assets | 0.1173% | 6,329 |
| Noninterest expense to average assets | 0.9206% | 6,760 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4396% | 937 |
| Return on assets (ROA) | 1.4751% | 917 |
| Pretax return on assets | 1.4751% | 1,533 |
| Return on Equity (ROE) | 7.9917% | 3,037 |
| Retained earnings to average equity (ytd only) | 4.4442% | 3,012 |
| Net charge-offs to loans | 0.0031% | 5,415 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1,570.4286% | 25 |
| Efficiency ratio | 39.0057% | 6,707 |
| Assets per employee ($millions) | 11.6146% | 149 |
| Cash dividends to net income (ytd only)* | 44.3892% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 5,820 |
| Loan loss allowance to noncurrent loans | 42.4559% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8211% | 3,836 |
| Noncurrent loans to loans | 2.1930% | 1,783 |
| Net loans and leases to total assets | 30.6017% | 6,437 |
| Net loans and leases to deposits | 48.8485% | 5,842 |
| Net loans and leases to core deposits | 57.0921% | 5,456 |
| Total domestic deposits to total assets | 62.6462% | 6,691 |
| Equity capital to assets | 18.3268% | 297 |
| Core capital (leverage) ratio | 18.4503% | 274 |
| Tier 1 risk-based capital ratio | 45.9409% | 160 |
| Total risk-based capital ratio | 46.6482% | 162 |
| Memoranda: | ||
| Average total assets | $763,600,800 | 875 |
| Average earning assets | $744,800,600 | 814 |
| Average equity | $140,947,000 | 516 |
| Average total loans | $224,303,400 | 1,824 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0849% | 6,334 |
| Cost of funding earning assets | 0.8926% | 842 |
| Net interest margin | 2.1924% | 6,651 |
| Noninterest income to average assets | 0.1229% | 6,406 |
| Noninterest expense to average assets | 0.8350% | 6,848 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4272% | 1,037 |
| Return on assets (ROA) | 1.4508% | 1,033 |
| Pretax return on assets | 1.4508% | 1,763 |
| Return on Equity (ROE) | 7.8467% | 3,203 |
| Retained earnings to average equity (ytd only) | 7.8467% | 1,485 |
| Net charge-offs to loans | 0.0042% | 5,113 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1,184.6795% | 31 |
| Efficiency ratio | 36.9102% | 6,788 |
| Assets per employee ($millions) | 12.4563% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 5,922 |
| Loan loss allowance to noncurrent loans | 55.1531% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 4,516 |
| Noncurrent loans to loans | 1.7222% | 2,615 |
| Net loans and leases to total assets | 28.8959% | 6,570 |
| Net loans and leases to deposits | 47.1301% | 6,025 |
| Net loans and leases to core deposits | 55.4221% | 5,671 |
| Total domestic deposits to total assets | 61.3110% | 6,777 |
| Equity capital to assets | 18.5872% | 287 |
| Core capital (leverage) ratio | 18.1631% | 291 |
| Tier 1 risk-based capital ratio | 47.2713% | 156 |
| Total risk-based capital ratio | 47.9876% | 157 |
| Memoranda: | ||
| Average total assets | $774,475,250 | 872 |
| Average earning assets | $755,693,500 | 802 |
| Average equity | $143,190,750 | 517 |
| Average total loans | $224,770,500 | 1,824 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0270% | 6,424 |
| Cost of funding earning assets | 0.9055% | 874 |
| Net interest margin | 2.1215% | 6,726 |
| Noninterest income to average assets | 0.1317% | 6,394 |
| Noninterest expense to average assets | 0.8296% | 6,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3720% | 1,135 |
| Return on assets (ROA) | 1.4070% | 1,148 |
| Pretax return on assets | 1.4070% | 1,907 |
| Return on Equity (ROE) | 7.6230% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.6230% | 1,620 |
| Net charge-offs to loans | -0.0273% | 6,072 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6812% | 6,829 |
| Assets per employee ($millions) | 12.2719% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 6,070 |
| Loan loss allowance to noncurrent loans | 28.4539% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 1.0174% | 3,725 |
| Noncurrent loans to loans | 3.2408% | 1,356 |
| Net loans and leases to total assets | 29.7822% | 6,584 |
| Net loans and leases to deposits | 49.8064% | 5,858 |
| Net loans and leases to core deposits | 62.6969% | 5,037 |
| Total domestic deposits to total assets | 59.7960% | 6,841 |
| Equity capital to assets | 18.6942% | 273 |
| Core capital (leverage) ratio | 17.2024% | 354 |
| Tier 1 risk-based capital ratio | 44.3119% | 178 |
| Total risk-based capital ratio | 45.0105% | 181 |
| Memoranda: | ||
| Average total assets | $783,508,670 | 859 |
| Average earning assets | $764,464,670 | 790 |
| Average equity | $144,615,670 | 513 |
| Average total loans | $227,016,670 | 1,810 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0203% | 6,491 |
| Cost of funding earning assets | 0.9212% | 888 |
| Net interest margin | 2.0991% | 6,809 |
| Noninterest income to average assets | 0.1263% | 6,465 |
| Noninterest expense to average assets | 0.8304% | 6,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3462% | 1,159 |
| Return on assets (ROA) | 1.3462% | 1,254 |
| Pretax return on assets | 1.3462% | 2,052 |
| Return on Equity (ROE) | 7.3386% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.3386% | 2,009 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1503% | 6,903 |
| Assets per employee ($millions) | 14.8241% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 6,234 |
| Loan loss allowance to noncurrent loans | 30.0029% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 0.9737% | 3,979 |
| Noncurrent loans to loans | 3.0374% | 1,647 |
| Net loans and leases to total assets | 28.7585% | 6,646 |
| Net loans and leases to deposits | 46.8290% | 6,003 |
| Net loans and leases to core deposits | 58.3154% | 5,313 |
| Total domestic deposits to total assets | 61.4118% | 6,904 |
| Equity capital to assets | 18.5695% | 300 |
| Core capital (leverage) ratio | 16.6082% | 394 |
| Tier 1 risk-based capital ratio | 43.4452% | 190 |
| Total risk-based capital ratio | 44.1347% | 195 |
| Memoranda: | ||
| Average total assets | $794,833,000 | 845 |
| Average earning assets | $776,340,500 | 788 |
| Average equity | $145,805,000 | 514 |
| Average total loans | $226,170,000 | 1,827 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5486% | 6,297 |
| Cost of funding earning assets | 1.0208% | 1,247 |
| Net interest margin | 2.5278% | 6,695 |
| Noninterest income to average assets | 0.0898% | 6,544 |
| Noninterest expense to average assets | 0.8700% | 7,028 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6854% | 637 |
| Return on assets (ROA) | 1.7342% | 640 |
| Pretax return on assets | 1.7342% | 1,059 |
| Return on Equity (ROE) | 9.6220% | 2,350 |
| Retained earnings to average equity (ytd only) | 2.6531% | 4,366 |
| Net charge-offs to loans | 0.0795% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 77.1207% | 495 |
| Efficiency ratio | 34.0460% | 7,002 |
| Assets per employee ($millions) | 15.4613% | 86 |
| Cash dividends to net income (ytd only)* | 72.4270% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 6,206 |
| Loan loss allowance to noncurrent loans | 59.5245% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5703% | 5,061 |
| Noncurrent loans to loans | 1.5563% | 3,284 |
| Net loans and leases to total assets | 27.6415% | 6,769 |
| Net loans and leases to deposits | 44.7654% | 6,324 |
| Net loans and leases to core deposits | 57.0241% | 5,631 |
| Total domestic deposits to total assets | 61.7475% | 6,957 |
| Equity capital to assets | 18.1239% | 318 |
| Core capital (leverage) ratio | 16.0012% | 457 |
| Tier 1 risk-based capital ratio | 42.6376% | 192 |
| Total risk-based capital ratio | 43.3284% | 198 |
| Memoranda: | ||
| Average total assets | $796,173,400 | 830 |
| Average earning assets | $776,615,200 | 771 |
| Average equity | $143,493,400 | 507 |
| Average total loans | $218,963,000 | 1,849 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6821% | 6,253 |
| Cost of funding earning assets | 1.0415% | 1,329 |
| Net interest margin | 2.6406% | 6,713 |
| Noninterest income to average assets | 0.0823% | 6,681 |
| Noninterest expense to average assets | 0.8296% | 7,138 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8285% | 535 |
| Return on assets (ROA) | 1.8889% | 543 |
| Pretax return on assets | 1.8889% | 894 |
| Return on Equity (ROE) | 10.4956% | 2,139 |
| Retained earnings to average equity (ytd only) | 3.0334% | 4,730 |
| Net charge-offs to loans | 0.0876% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 76.1686% | 538 |
| Efficiency ratio | 31.2113% | 7,115 |
| Assets per employee ($millions) | 15.4449% | 81 |
| Cash dividends to net income (ytd only)* | 71.0985% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 6,284 |
| Loan loss allowance to noncurrent loans | 63.7738% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 5,335 |
| Noncurrent loans to loans | 1.4657% | 3,591 |
| Net loans and leases to total assets | 27.8315% | 6,882 |
| Net loans and leases to deposits | 47.2411% | 6,303 |
| Net loans and leases to core deposits | 60.3344% | 5,521 |
| Total domestic deposits to total assets | 58.9138% | 7,077 |
| Equity capital to assets | 18.0220% | 364 |
| Core capital (leverage) ratio | 16.1475% | 463 |
| Tier 1 risk-based capital ratio | 42.3854% | 204 |
| Total risk-based capital ratio | 43.0854% | 208 |
| Memoranda: | ||
| Average total assets | $794,219,250 | 839 |
| Average earning assets | $774,745,500 | 779 |
| Average equity | $142,938,250 | 506 |
| Average total loans | $217,625,500 | 1,874 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 6,038 |
| Cost of funding earning assets | 1.0585% | 1,420 |
| Net interest margin | 2.7879% | 6,600 |
| Noninterest income to average assets | 0.0450% | 6,877 |
| Noninterest expense to average assets | 0.8316% | 7,207 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.9316% | 437 |
| Return on assets (ROA) | 1.9316% | 506 |
| Pretax return on assets | 1.9316% | 799 |
| Return on Equity (ROE) | 10.7379% | 2,084 |
| Retained earnings to average equity (ytd only) | -0.5030% | 6,126 |
| Net charge-offs to loans | 0.1340% | 3,856 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 53.0694% | 693 |
| Efficiency ratio | 30.0951% | 7,180 |
| Assets per employee ($millions) | 15.3488% | 77 |
| Cash dividends to net income (ytd only)* | 104.6846% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 6,270 |
| Loan loss allowance to noncurrent loans | 64.8615% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 5,036 |
| Noncurrent loans to loans | 1.4921% | 3,669 |
| Net loans and leases to total assets | 27.5570% | 6,943 |
| Net loans and leases to deposits | 44.7489% | 6,518 |
| Net loans and leases to core deposits | 56.8895% | 5,871 |
| Total domestic deposits to total assets | 61.5815% | 7,113 |
| Equity capital to assets | 17.9412% | 350 |
| Core capital (leverage) ratio | 15.7022% | 496 |
| Tier 1 risk-based capital ratio | 41.4078% | 207 |
| Total risk-based capital ratio | 42.1112% | 214 |
| Memoranda: | ||
| Average total assets | $791,248,000 | 839 |
| Average earning assets | $771,469,330 | 781 |
| Average equity | $142,337,330 | 502 |
| Average total loans | $214,956,330 | 1,903 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 5,764 |
| Cost of funding earning assets | 1.0696% | 1,559 |
| Net interest margin | 2.9272% | 6,442 |
| Noninterest income to average assets | -0.0473% | 7,134 |
| Noninterest expense to average assets | 0.8076% | 7,272 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9993% | 417 |
| Return on assets (ROA) | 1.9993% | 477 |
| Pretax return on assets | 1.9993% | 736 |
| Return on Equity (ROE) | 11.0995% | 1,986 |
| Retained earnings to average equity (ytd only) | 11.0995% | 1,004 |
| Net charge-offs to loans | -0.0431% | 6,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.7710% | 7,239 |
| Assets per employee ($millions) | 15.5345% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 5,976 |
| Loan loss allowance to noncurrent loans | 56.2562% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 0.7288% | 5,091 |
| Noncurrent loans to loans | 1.9138% | 3,267 |
| Net loans and leases to total assets | 26.3841% | 7,026 |
| Net loans and leases to deposits | 43.6453% | 6,576 |
| Net loans and leases to core deposits | 56.4775% | 5,862 |
| Total domestic deposits to total assets | 60.4512% | 7,192 |
| Equity capital to assets | 18.1228% | 327 |
| Core capital (leverage) ratio | 16.2559% | 437 |
| Tier 1 risk-based capital ratio | 44.5031% | 171 |
| Total risk-based capital ratio | 45.2917% | 175 |
| Memoranda: | ||
| Average total assets | $795,478,500 | 834 |
| Average earning assets | $775,628,000 | 776 |
| Average equity | $143,285,500 | 499 |
| Average total loans | $213,524,000 | 1,922 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6073% | 4,650 |
| Cost of funding earning assets | 1.2379% | 1,800 |
| Net interest margin | 3.3693% | 5,584 |
| Noninterest income to average assets | 0.1399% | 6,453 |
| Noninterest expense to average assets | 0.8453% | 7,308 |
| Loan and lease loss provision to assets | 0.1084% | 5,244 |
| Net operating income to assets | 2.4666% | 138 |
| Return on assets (ROA) | 2.4680% | 146 |
| Pretax return on assets | 2.4680% | 215 |
| Return on Equity (ROE) | 14.1334% | 899 |
| Retained earnings to average equity (ytd only) | 8.3708% | 963 |
| Net charge-offs to loans | 0.1061% | 5,299 |
| Credit loss provision to net charge-offs | 339.5062% | 685 |
| Earnings coverage of net charge-offs (x) | 80.6420% | 368 |
| Efficiency ratio | 24.7147% | 7,314 |
| Assets per employee ($millions) | 15.3596% | 83 |
| Cash dividends to net income (ytd only)* | 40.7731% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 6,019 |
| Loan loss allowance to noncurrent loans | 228.6294% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 6,035 |
| Noncurrent loans to loans | 0.4566% | 5,795 |
| Net loans and leases to total assets | 26.7298% | 7,101 |
| Net loans and leases to deposits | 44.5987% | 6,693 |
| Net loans and leases to core deposits | 58.6128% | 5,962 |
| Total domestic deposits to total assets | 59.9340% | 7,226 |
| Equity capital to assets | 17.9030% | 357 |
| Core capital (leverage) ratio | 15.7493% | 492 |
| Tier 1 risk-based capital ratio | 41.6089% | 210 |
| Total risk-based capital ratio | 42.3618% | 212 |
| Memoranda: | ||
| Average total assets | $761,008,400 | 865 |
| Average earning assets | $740,914,600 | 802 |
| Average equity | $132,891,000 | 524 |
| Average total loans | $229,095,200 | 1,812 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7087% | 4,416 |
| Cost of funding earning assets | 1.2870% | 1,778 |
| Net interest margin | 3.4217% | 5,503 |
| Noninterest income to average assets | 0.1341% | 6,580 |
| Noninterest expense to average assets | 0.7976% | 7,393 |
| Loan and lease loss provision to assets | 0.1197% | 4,939 |
| Net operating income to assets | 2.5474% | 146 |
| Return on assets (ROA) | 2.5494% | 150 |
| Pretax return on assets | 2.5494% | 223 |
| Return on Equity (ROE) | 14.6977% | 894 |
| Retained earnings to average equity (ytd only) | 8.3997% | 1,355 |
| Net charge-offs to loans | 0.0860% | 5,107 |
| Credit loss provision to net charge-offs | 450.0000% | 613 |
| Earnings coverage of net charge-offs (x) | 100.2309% | 366 |
| Efficiency ratio | 23.0198% | 7,392 |
| Assets per employee ($millions) | 15.3698% | 85 |
| Cash dividends to net income (ytd only)* | 42.8502% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 6,352 |
| Loan loss allowance to noncurrent loans | 146.7246% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 5,803 |
| Noncurrent loans to loans | 0.6685% | 5,546 |
| Net loans and leases to total assets | 28.2689% | 7,138 |
| Net loans and leases to deposits | 47.2876% | 6,668 |
| Net loans and leases to core deposits | 62.5896% | 5,760 |
| Total domestic deposits to total assets | 59.7809% | 7,306 |
| Equity capital to assets | 17.9915% | 389 |
| Core capital (leverage) ratio | 15.5600% | 565 |
| Tier 1 risk-based capital ratio | 40.3398% | 243 |
| Total risk-based capital ratio | 41.0687% | 248 |
| Memoranda: | ||
| Average total assets | $751,586,250 | 883 |
| Average earning assets | $731,588,000 | 821 |
| Average equity | $130,366,000 | 540 |
| Average total loans | $232,433,500 | 1,808 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7426% | 4,338 |
| Cost of funding earning assets | 1.3312% | 1,754 |
| Net interest margin | 3.4115% | 5,514 |
| Noninterest income to average assets | 0.1388% | 6,632 |
| Noninterest expense to average assets | 0.7821% | 7,472 |
| Loan and lease loss provision to assets | 0.1215% | 4,761 |
| Net operating income to assets | 2.5547% | 154 |
| Return on assets (ROA) | 2.5547% | 161 |
| Pretax return on assets | 2.5547% | 225 |
| Return on Equity (ROE) | 14.9245% | 818 |
| Retained earnings to average equity (ytd only) | 5.2124% | 2,866 |
| Net charge-offs to loans | 0.1139% | 4,564 |
| Credit loss provision to net charge-offs | 335.8209% | 906 |
| Earnings coverage of net charge-offs (x) | 73.9776% | 462 |
| Efficiency ratio | 22.6151% | 7,470 |
| Assets per employee ($millions) | 15.3676% | 88 |
| Cash dividends to net income (ytd only)* | 65.0745% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 6,758 |
| Loan loss allowance to noncurrent loans | 142.9806% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5613% | 5,803 |
| Noncurrent loans to loans | 0.5991% | 5,722 |
| Net loans and leases to total assets | 30.5236% | 7,163 |
| Net loans and leases to deposits | 51.3791% | 6,511 |
| Net loans and leases to core deposits | 66.6922% | 5,420 |
| Total domestic deposits to total assets | 59.4086% | 7,379 |
| Equity capital to assets | 17.7494% | 406 |
| Core capital (leverage) ratio | 15.5969% | 559 |
| Tier 1 risk-based capital ratio | 38.5466% | 266 |
| Total risk-based capital ratio | 39.2029% | 271 |
| Memoranda: | ||
| Average total assets | $740,828,000 | 902 |
| Average earning assets | $720,864,330 | 843 |
| Average equity | $126,812,000 | 553 |
| Average total loans | $235,316,670 | 1,819 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 4,855 |
| Cost of funding earning assets | 1.3608% | 1,827 |
| Net interest margin | 3.2605% | 5,902 |
| Noninterest income to average assets | 0.1769% | 6,461 |
| Noninterest expense to average assets | 0.7622% | 7,532 |
| Loan and lease loss provision to assets | 0.1225% | 4,475 |
| Net operating income to assets | 2.4673% | 184 |
| Return on assets (ROA) | 2.4673% | 192 |
| Pretax return on assets | 2.4673% | 259 |
| Return on Equity (ROE) | 14.6916% | 871 |
| Retained earnings to average equity (ytd only) | -5.2711% | 6,539 |
| Net charge-offs to loans | 0.0877% | 4,075 |
| Credit loss provision to net charge-offs | 432.6923% | 802 |
| Earnings coverage of net charge-offs (x) | 91.4808% | 346 |
| Efficiency ratio | 22.7383% | 7,524 |
| Assets per employee ($millions) | 14.2379% | 106 |
| Cash dividends to net income (ytd only)* | 135.8782% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7794% | 6,957 |
| Loan loss allowance to noncurrent loans | 108.5395% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 6,184 |
| Noncurrent loans to loans | 0.7181% | 5,575 |
| Net loans and leases to total assets | 31.6883% | 7,179 |
| Net loans and leases to deposits | 52.6526% | 6,428 |
| Net loans and leases to core deposits | 68.3602% | 5,245 |
| Total domestic deposits to total assets | 60.1837% | 7,434 |
| Equity capital to assets | 16.6088% | 487 |
| Core capital (leverage) ratio | 15.2856% | 611 |
| Tier 1 risk-based capital ratio | 37.2109% | 296 |
| Total risk-based capital ratio | 37.8250% | 306 |
| Memoranda: | ||
| Average total assets | $734,737,000 | 912 |
| Average earning assets | $715,469,000 | 859 |
| Average equity | $123,390,500 | 566 |
| Average total loans | $237,059,000 | 1,812 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0702% | 4,236 |
| Cost of funding earning assets | 1.5497% | 2,348 |
| Net interest margin | 3.5205% | 5,157 |
| Noninterest income to average assets | 0.1381% | 6,702 |
| Noninterest expense to average assets | 0.9524% | 7,585 |
| Loan and lease loss provision to assets | 0.1406% | 5,775 |
| Net operating income to assets | 2.4611% | 120 |
| Return on assets (ROA) | 2.4611% | 124 |
| Pretax return on assets | 2.4611% | 196 |
| Return on Equity (ROE) | 14.7918% | 748 |
| Retained earnings to average equity (ytd only) | 9.7203% | 567 |
| Net charge-offs to loans | 0.0669% | 6,128 |
| Credit loss provision to net charge-offs | 598.8024% | 365 |
| Earnings coverage of net charge-offs (x) | 110.7784% | 226 |
| Efficiency ratio | 26.7965% | 7,595 |
| Assets per employee ($millions) | 14.5821% | 102 |
| Cash dividends to net income (ytd only)* | 34.2857% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7023% | 7,134 |
| Loan loss allowance to noncurrent loans | 64.2912% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 6,052 |
| Noncurrent loans to loans | 1.0923% | 4,913 |
| Net loans and leases to total assets | 32.3679% | 7,279 |
| Net loans and leases to deposits | 54.2867% | 6,589 |
| Net loans and leases to core deposits | 69.7717% | 5,464 |
| Total domestic deposits to total assets | 59.6239% | 7,513 |
| Equity capital to assets | 16.9817% | 463 |
| Core capital (leverage) ratio | 15.7563% | 539 |
| Tier 1 risk-based capital ratio | 38.2591% | 273 |
| Total risk-based capital ratio | 38.8229% | 278 |
| Memoranda: | ||
| Average total assets | $711,059,200 | 940 |
| Average earning assets | $689,951,600 | 888 |
| Average equity | $118,309,000 | 574 |
| Average total loans | $249,707,600 | 1,762 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1582% | 4,037 |
| Cost of funding earning assets | 1.5964% | 2,405 |
| Net interest margin | 3.5617% | 5,053 |
| Noninterest income to average assets | 0.1362% | 6,872 |
| Noninterest expense to average assets | 0.9269% | 7,705 |
| Loan and lease loss provision to assets | 0.1321% | 5,707 |
| Net operating income to assets | 2.5304% | 130 |
| Return on assets (ROA) | 2.5304% | 137 |
| Pretax return on assets | 2.5304% | 213 |
| Return on Equity (ROE) | 15.2893% | 817 |
| Retained earnings to average equity (ytd only) | 8.4479% | 1,258 |
| Net charge-offs to loans | 0.0749% | 5,770 |
| Credit loss provision to net charge-offs | 492.9577% | 598 |
| Earnings coverage of net charge-offs (x) | 99.3584% | 310 |
| Efficiency ratio | 25.8241% | 7,704 |
| Assets per employee ($millions) | 15.2556% | 98 |
| Cash dividends to net income (ytd only)* | 44.7461% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5702% | 7,385 |
| Loan loss allowance to noncurrent loans | 60.7672% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 6,300 |
| Noncurrent loans to loans | 0.9383% | 5,355 |
| Net loans and leases to total assets | 33.9031% | 7,346 |
| Net loans and leases to deposits | 55.4362% | 6,654 |
| Net loans and leases to core deposits | 71.0787% | 5,630 |
| Total domestic deposits to total assets | 61.1569% | 7,576 |
| Equity capital to assets | 17.1526% | 502 |
| Core capital (leverage) ratio | 15.4090% | 646 |
| Tier 1 risk-based capital ratio | 37.2985% | 303 |
| Total risk-based capital ratio | 37.7744% | 311 |
| Memoranda: | ||
| Average total assets | $706,548,250 | 949 |
| Average earning assets | $685,005,250 | 895 |
| Average equity | $116,932,750 | 570 |
| Average total loans | $252,718,500 | 1,769 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2013% | 3,953 |
| Cost of funding earning assets | 1.6565% | 2,352 |
| Net interest margin | 3.5448% | 5,067 |
| Noninterest income to average assets | 0.1169% | 7,022 |
| Noninterest expense to average assets | 0.9419% | 7,781 |
| Loan and lease loss provision to assets | 0.1138% | 5,769 |
| Net operating income to assets | 2.4957% | 137 |
| Return on assets (ROA) | 2.4957% | 142 |
| Pretax return on assets | 2.4957% | 234 |
| Return on Equity (ROE) | 15.2687% | 806 |
| Retained earnings to average equity (ytd only) | 4.8262% | 2,996 |
| Net charge-offs to loans | 0.0086% | 6,237 |
| Credit loss provision to net charge-offs | 3,636.3636% | 108 |
| Earnings coverage of net charge-offs (x) | 833.9091% | 34 |
| Efficiency ratio | 26.5219% | 7,766 |
| Assets per employee ($millions) | 14.1786% | 112 |
| Cash dividends to net income (ytd only)* | 68.3917% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4896% | 7,517 |
| Loan loss allowance to noncurrent loans | 135.9600% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 6,157 |
| Noncurrent loans to loans | 0.3601% | 6,512 |
| Net loans and leases to total assets | 35.8394% | 7,357 |
| Net loans and leases to deposits | 57.8854% | 6,582 |
| Net loans and leases to core deposits | 74.7955% | 5,350 |
| Total domestic deposits to total assets | 61.9145% | 7,629 |
| Equity capital to assets | 16.9175% | 538 |
| Core capital (leverage) ratio | 15.0212% | 716 |
| Tier 1 risk-based capital ratio | 35.9244% | 327 |
| Total risk-based capital ratio | 36.3455% | 340 |
| Memoranda: | ||
| Average total assets | $703,060,330 | 957 |
| Average earning assets | $681,176,330 | 907 |
| Average equity | $114,915,000 | 577 |
| Average total loans | $255,463,670 | 1,776 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2782% | 3,654 |
| Cost of funding earning assets | 1.7351% | 2,208 |
| Net interest margin | 3.5431% | 4,981 |
| Noninterest income to average assets | 0.1052% | 7,177 |
| Noninterest expense to average assets | 0.9129% | 7,884 |
| Loan and lease loss provision to assets | 0.0566% | 6,091 |
| Net operating income to assets | 2.5695% | 136 |
| Return on assets (ROA) | 2.5701% | 149 |
| Pretax return on assets | 2.5701% | 227 |
| Return on Equity (ROE) | 15.9993% | 721 |
| Retained earnings to average equity (ytd only) | 15.9993% | 343 |
| Net charge-offs to loans | 0.0155% | 5,363 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 464.3000% | 58 |
| Efficiency ratio | 25.7951% | 7,877 |
| Assets per employee ($millions) | 13.5624% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3619% | 7,713 |
| Loan loss allowance to noncurrent loans | 192.1162% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 7,035 |
| Noncurrent loans to loans | 0.1884% | 6,963 |
| Net loans and leases to total assets | 36.1535% | 7,419 |
| Net loans and leases to deposits | 61.3469% | 6,337 |
| Net loans and leases to core deposits | 78.9180% | 4,906 |
| Total domestic deposits to total assets | 58.9329% | 7,769 |
| Equity capital to assets | 16.5889% | 587 |
| Core capital (leverage) ratio | 14.8165% | 787 |
| Tier 1 risk-based capital ratio | 30.6044% | 497 |
| Total risk-based capital ratio | 30.8709% | 527 |
| Memoranda: | ||
| Average total assets | $707,214,500 | 972 |
| Average earning assets | $685,389,000 | 920 |
| Average equity | $113,605,000 | 590 |
| Average total loans | $258,085,500 | 1,815 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6048% | 3,580 |
| Cost of funding earning assets | 2.2180% | 1,952 |
| Net interest margin | 3.3868% | 5,419 |
| Noninterest income to average assets | 0.1593% | 6,932 |
| Noninterest expense to average assets | 0.9873% | 7,946 |
| Loan and lease loss provision to assets | 0.0146% | 7,350 |
| Net operating income to assets | 2.4497% | 95 |
| Return on assets (ROA) | 2.4477% | 105 |
| Pretax return on assets | 2.4477% | 172 |
| Return on Equity (ROE) | 16.8471% | 468 |
| Retained earnings to average equity (ytd only) | 16.8471% | 64 |
| Net charge-offs to loans | 0.0058% | 7,164 |
| Credit loss provision to net charge-offs | 666.6667% | 436 |
| Earnings coverage of net charge-offs (x) | 1,127.0000% | 18 |
| Efficiency ratio | 28.6046% | 7,944 |
| Assets per employee ($millions) | 13.9056% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3212% | 7,816 |
| Loan loss allowance to noncurrent loans | 123.1222% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 6,952 |
| Noncurrent loans to loans | 0.2609% | 6,775 |
| Net loans and leases to total assets | 36.5826% | 7,498 |
| Net loans and leases to deposits | 64.2787% | 6,234 |
| Net loans and leases to core deposits | 98.8821% | 4,129 |
| Total domestic deposits to total assets | 56.9126% | 7,845 |
| Equity capital to assets | 15.5415% | 778 |
| Core capital (leverage) ratio | 14.6077% | 858 |
| Tier 1 risk-based capital ratio | 33.9290% | 374 |
| Total risk-based capital ratio | 34.2076% | 398 |
| Memoranda: | ||
| Average total assets | $686,003,800 | 999 |
| Average earning assets | $666,860,600 | 931 |
| Average equity | $99,667,200 | 662 |
| Average total loans | $259,624,400 | 1,835 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6287% | 3,701 |
| Cost of funding earning assets | 2.3078% | 1,952 |
| Net interest margin | 3.3209% | 5,558 |
| Noninterest income to average assets | 0.1707% | 6,988 |
| Noninterest expense to average assets | 0.9612% | 8,036 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.4390% | 111 |
| Return on assets (ROA) | 2.4363% | 124 |
| Pretax return on assets | 2.4363% | 216 |
| Return on Equity (ROE) | 17.0789% | 542 |
| Retained earnings to average equity (ytd only) | 17.0789% | 105 |
| Net charge-offs to loans | 0.0072% | 6,863 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 888.6047% | 27 |
| Efficiency ratio | 28.2700% | 8,018 |
| Assets per employee ($millions) | 13.6568% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2785% | 7,917 |
| Loan loss allowance to noncurrent loans | 92.2403% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 7,081 |
| Noncurrent loans to loans | 0.3020% | 6,759 |
| Net loans and leases to total assets | 37.8846% | 7,554 |
| Net loans and leases to deposits | 66.4381% | 6,268 |
| Net loans and leases to core deposits | 103.0823% | 4,051 |
| Total domestic deposits to total assets | 57.0224% | 7,916 |
| Equity capital to assets | 15.3132% | 926 |
| Core capital (leverage) ratio | 14.2228% | 1,032 |
| Tier 1 risk-based capital ratio | 32.6206% | 454 |
| Total risk-based capital ratio | 32.8672% | 477 |
| Memoranda: | ||
| Average total assets | $680,208,250 | 1,019 |
| Average earning assets | $661,496,750 | 945 |
| Average equity | $97,029,500 | 684 |
| Average total loans | $259,461,750 | 1,864 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6693% | 3,720 |
| Cost of funding earning assets | 2.4025% | 1,961 |
| Net interest margin | 3.2669% | 5,678 |
| Noninterest income to average assets | 0.1844% | 6,974 |
| Noninterest expense to average assets | 0.9849% | 8,127 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.3762% | 135 |
| Return on assets (ROA) | 2.3762% | 150 |
| Pretax return on assets | 2.3762% | 261 |
| Return on Equity (ROE) | 17.0901% | 570 |
| Retained earnings to average equity (ytd only) | 17.0901% | 130 |
| Net charge-offs to loans | 0.0101% | 6,425 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 616.6923% | 48 |
| Efficiency ratio | 29.3034% | 8,109 |
| Assets per employee ($millions) | 13.2483% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2912% | 7,995 |
| Loan loss allowance to noncurrent loans | 123.0000% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 7,258 |
| Noncurrent loans to loans | 0.2368% | 6,923 |
| Net loans and leases to total assets | 37.3988% | 7,660 |
| Net loans and leases to deposits | 63.3948% | 6,624 |
| Net loans and leases to core deposits | 96.8495% | 4,806 |
| Total domestic deposits to total assets | 58.9935% | 7,963 |
| Equity capital to assets | 14.4864% | 1,170 |
| Core capital (leverage) ratio | 13.6861% | 1,214 |
| Tier 1 risk-based capital ratio | 32.8830% | 471 |
| Total risk-based capital ratio | 33.1438% | 493 |
| Memoranda: | ||
| Average total assets | $674,778,670 | 1,044 |
| Average earning assets | $656,160,000 | 972 |
| Average equity | $93,820,670 | 706 |
| Average total loans | $257,748,330 | 1,900 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7130% | 3,737 |
| Cost of funding earning assets | 2.4958% | 1,932 |
| Net interest margin | 3.2172% | 5,802 |
| Noninterest income to average assets | 0.1791% | 7,018 |
| Noninterest expense to average assets | 0.9337% | 8,180 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.3721% | 165 |
| Return on assets (ROA) | 2.3691% | 198 |
| Pretax return on assets | 2.3691% | 321 |
| Return on Equity (ROE) | 17.4047% | 647 |
| Retained earnings to average equity (ytd only) | 17.4047% | 254 |
| Net charge-offs to loans | 0.0200% | 5,284 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 307.6154% | 132 |
| Efficiency ratio | 28.2433% | 8,159 |
| Assets per employee ($millions) | 13.4265% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2866% | 8,040 |
| Loan loss allowance to noncurrent loans | 452.7607% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 7,433 |
| Noncurrent loans to loans | 0.0633% | 7,348 |
| Net loans and leases to total assets | 37.5026% | 7,676 |
| Net loans and leases to deposits | 61.2317% | 6,792 |
| Net loans and leases to core deposits | 95.7841% | 4,993 |
| Total domestic deposits to total assets | 61.2470% | 7,937 |
| Equity capital to assets | 13.8943% | 1,394 |
| Core capital (leverage) ratio | 13.2341% | 1,408 |
| Tier 1 risk-based capital ratio | 31.0144% | 580 |
| Total risk-based capital ratio | 31.2715% | 608 |
| Memoranda: | ||
| Average total assets | $674,337,500 | 1,042 |
| Average earning assets | $655,343,000 | 977 |
| Average equity | $91,791,500 | 721 |
| Average total loans | $259,909,000 | 1,906 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9371% | 5,872 |
| Cost of funding earning assets | 3.1275% | 1,427 |
| Net interest margin | 2.8096% | 7,315 |
| Noninterest income to average assets | 0.1200% | 7,521 |
| Noninterest expense to average assets | 0.9787% | 8,211 |
| Loan and lease loss provision to assets | 0.0448% | 6,850 |
| Net operating income to assets | 1.8221% | 533 |
| Return on assets (ROA) | 1.8150% | 517 |
| Pretax return on assets | 1.8150% | 914 |
| Return on Equity (ROE) | 13.0779% | 1,309 |
| Retained earnings to average equity (ytd only) | 4.0295% | 2,625 |
| Net charge-offs to loans | 0.0030% | 6,970 |
| Credit loss provision to net charge-offs | 3,437.5000% | 147 |
| Earnings coverage of net charge-offs (x) | 1,431.0000% | 28 |
| Efficiency ratio | 34.3917% | 8,206 |
| Assets per employee ($millions) | 13.2785% | 129 |
| Cash dividends to net income (ytd only)* | 69.1886% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2863% | 8,094 |
| Loan loss allowance to noncurrent loans | 1,173.4375% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 7,009 |
| Noncurrent loans to loans | 0.0244% | 7,418 |
| Net loans and leases to total assets | 39.3915% | 7,698 |
| Net loans and leases to deposits | 66.7592% | 6,588 |
| Net loans and leases to core deposits | 105.4314% | 4,252 |
| Total domestic deposits to total assets | 59.0053% | 7,993 |
| Equity capital to assets | 13.3211% | 1,663 |
| Core capital (leverage) ratio | 13.5333% | 1,376 |
| Tier 1 risk-based capital ratio | 29.4123% | 675 |
| Total risk-based capital ratio | 29.6721% | 722 |
| Memoranda: | ||
| Average total assets | $613,183,000 | 1,104 |
| Average earning assets | $594,857,400 | 1,031 |
| Average equity | $85,098,000 | 780 |
| Average total loans | $264,777,200 | 1,804 |