Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3519% | 1,394 |
| Cost of funding earning assets | 1.4648% | 2,034 |
| Net interest margin | 3.8872% | 1,399 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.6253% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0840% | 1,962 |
| Return on assets (ROA) | 1.0840% | 1,937 |
| Pretax return on assets | 1.3667% | 1,704 |
| Return on Equity (ROE) | 9.0500% | 2,744 |
| Retained earnings to average equity (ytd only) | 9.0511% | 1,242 |
| Net charge-offs to loans | -0.0043% | 3,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.8323% | 2,377 |
| Assets per employee ($millions) | 5.4195% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 685 |
| Loan loss allowance to noncurrent loans | 5,265.2174% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 3,481 |
| Noncurrent loans to loans | 0.0320% | 3,506 |
| Net loans and leases to total assets | 88.3600% | 72 |
| Net loans and leases to deposits | 102.0236% | 433 |
| Net loans and leases to core deposits | 113.9316% | 817 |
| Total domestic deposits to total assets | 86.6100% | 1,816 |
| Equity capital to assets | 12.1898% | 1,072 |
| Core capital (leverage) ratio | 12.2937% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8592% | 1,911 |
| Memoranda: | ||
| Average total assets | $311,542,200 | 2,362 |
| Average earning assets | $295,817,600 | 2,333 |
| Average equity | $37,310,400 | 1,968 |
| Average total loans | $278,363,400 | 1,883 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1893% | 1,473 |
| Cost of funding earning assets | 1.3325% | 2,053 |
| Net interest margin | 3.8568% | 1,483 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.5474% | 2,093 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.1373% | 1,948 |
| Return on assets (ROA) | 1.1373% | 1,928 |
| Pretax return on assets | 1.4350% | 1,702 |
| Return on Equity (ROE) | 9.5400% | 2,788 |
| Retained earnings to average equity (ytd only) | 9.5407% | 1,539 |
| Net charge-offs to loans | -0.0029% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.0837% | 2,485 |
| Assets per employee ($millions) | 5.4281% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7470% | 636 |
| Loan loss allowance to noncurrent loans | 5,092.6316% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,509 |
| Noncurrent loans to loans | 0.0343% | 3,522 |
| Net loans and leases to total assets | 84.9600% | 217 |
| Net loans and leases to deposits | 97.6837% | 633 |
| Net loans and leases to core deposits | 112.0137% | 796 |
| Total domestic deposits to total assets | 86.9800% | 1,901 |
| Equity capital to assets | 11.9211% | 1,054 |
| Core capital (leverage) ratio | 12.1808% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7451% | 1,990 |
| Memoranda: | ||
| Average total assets | $309,489,750 | 2,381 |
| Average earning assets | $293,878,250 | 2,343 |
| Average equity | $36,893,750 | 1,971 |
| Average total loans | $276,108,250 | 1,891 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 1,506 |
| Cost of funding earning assets | 1.1716% | 2,074 |
| Net interest margin | 3.8625% | 1,504 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.5139% | 2,166 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 1.1553% | 1,958 |
| Return on assets (ROA) | 1.1553% | 1,951 |
| Pretax return on assets | 1.4580% | 1,683 |
| Return on Equity (ROE) | 9.6900% | 2,796 |
| Retained earnings to average equity (ytd only) | 9.6913% | 1,489 |
| Net charge-offs to loans | -0.0015% | 3,490 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.4593% | 2,546 |
| Assets per employee ($millions) | 5.4853% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 730 |
| Loan loss allowance to noncurrent loans | 4,932.6531% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 3,475 |
| Noncurrent loans to loans | 0.0347% | 3,491 |
| Net loans and leases to total assets | 88.7800% | 62 |
| Net loans and leases to deposits | 103.8866% | 374 |
| Net loans and leases to core deposits | 118.2268% | 562 |
| Total domestic deposits to total assets | 85.4600% | 2,405 |
| Equity capital to assets | 11.9391% | 1,068 |
| Core capital (leverage) ratio | 12.2529% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0674% | 2,273 |
| Memoranda: | ||
| Average total assets | $305,901,333 | 2,406 |
| Average earning assets | $290,536,667 | 2,365 |
| Average equity | $36,465,667 | 2,000 |
| Average total loans | $275,832,333 | 1,887 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8962% | 1,419 |
| Cost of funding earning assets | 1.0252% | 1,964 |
| Net interest margin | 3.8710% | 1,539 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.5453% | 2,118 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.1226% | 2,155 |
| Return on assets (ROA) | 1.1226% | 2,120 |
| Pretax return on assets | 1.4148% | 1,852 |
| Return on Equity (ROE) | 9.4200% | 2,942 |
| Retained earnings to average equity (ytd only) | 9.4244% | 1,833 |
| Net charge-offs to loans | -0.0044% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.1667% | 2,433 |
| Assets per employee ($millions) | 5.2314% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 726 |
| Loan loss allowance to noncurrent loans | 4,804.9505% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 3,447 |
| Noncurrent loans to loans | 0.0364% | 3,488 |
| Net loans and leases to total assets | 89.9100% | 33 |
| Net loans and leases to deposits | 105.6987% | 260 |
| Net loans and leases to core deposits | 119.7556% | 445 |
| Total domestic deposits to total assets | 85.0600% | 2,844 |
| Equity capital to assets | 12.0163% | 996 |
| Core capital (leverage) ratio | 12.2393% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0122% | 2,382 |
| Memoranda: | ||
| Average total assets | $302,520,500 | 2,457 |
| Average earning assets | $287,161,000 | 2,415 |
| Average equity | $36,034,000 | 2,043 |
| Average total loans | $272,538,000 | 1,916 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1747% | 1,296 |
| Cost of funding earning assets | 0.5139% | 1,300 |
| Net interest margin | 3.6608% | 1,471 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.5761% | 1,891 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1585% | 1,940 |
| Return on assets (ROA) | 1.1585% | 1,879 |
| Pretax return on assets | 1.4584% | 1,582 |
| Return on Equity (ROE) | 9.6500% | 2,919 |
| Retained earnings to average equity (ytd only) | 9.6501% | 1,258 |
| Net charge-offs to loans | -0.0043% | 3,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.8526% | 2,517 |
| Assets per employee ($millions) | 5.2916% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8383% | 611 |
| Loan loss allowance to noncurrent loans | 4,594.3925% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 3,448 |
| Noncurrent loans to loans | 0.0400% | 3,484 |
| Net loans and leases to total assets | 87.0300% | 106 |
| Net loans and leases to deposits | 102.3890% | 353 |
| Net loans and leases to core deposits | 116.4391% | 439 |
| Total domestic deposits to total assets | 85.0000% | 2,992 |
| Equity capital to assets | 11.8055% | 990 |
| Core capital (leverage) ratio | 11.9015% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1706% | 2,300 |
| Memoranda: | ||
| Average total assets | $282,437,800 | 2,541 |
| Average earning assets | $266,987,800 | 2,508 |
| Average equity | $33,906,400 | 2,160 |
| Average total loans | $232,220,800 | 2,040 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9458% | 1,369 |
| Cost of funding earning assets | 0.4130% | 1,205 |
| Net interest margin | 3.5328% | 1,569 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.5586% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1525% | 1,883 |
| Return on assets (ROA) | 1.1525% | 1,858 |
| Pretax return on assets | 1.4503% | 1,557 |
| Return on Equity (ROE) | 9.5600% | 2,855 |
| Retained earnings to average equity (ytd only) | 9.5574% | 1,468 |
| Net charge-offs to loans | -0.0024% | 3,301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.8237% | 2,571 |
| Assets per employee ($millions) | 4.8160% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0341% | 477 |
| Loan loss allowance to noncurrent loans | 4,383.9286% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 3,502 |
| Noncurrent loans to loans | 0.0464% | 3,548 |
| Net loans and leases to total assets | 84.6600% | 205 |
| Net loans and leases to deposits | 100.6110% | 344 |
| Net loans and leases to core deposits | 103.4699% | 675 |
| Total domestic deposits to total assets | 84.1400% | 3,472 |
| Equity capital to assets | 12.4198% | 792 |
| Core capital (leverage) ratio | 12.5799% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1110% | 2,014 |
| Memoranda: | ||
| Average total assets | $277,642,000 | 2,581 |
| Average earning assets | $262,147,250 | 2,555 |
| Average equity | $33,481,000 | 2,209 |
| Average total loans | $223,420,750 | 2,091 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7144% | 1,504 |
| Cost of funding earning assets | 0.4169% | 826 |
| Net interest margin | 3.2975% | 1,916 |
| Noninterest income to average assets | 0.8041% | 1,032 |
| Noninterest expense to average assets | 2.5011% | 1,925 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1253% | 1,683 |
| Return on assets (ROA) | 1.1253% | 1,662 |
| Pretax return on assets | 1.4148% | 1,394 |
| Return on Equity (ROE) | 9.4264% | 2,554 |
| Retained earnings to average equity (ytd only) | 9.4264% | 1,165 |
| Net charge-offs to loans | -0.0083% | 3,525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8710% | 2,785 |
| Assets per employee ($millions) | 5.3093% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1202% | 431 |
| Loan loss allowance to noncurrent loans | 4,237.0690% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,566 |
| Noncurrent loans to loans | 0.0500% | 3,575 |
| Net loans and leases to total assets | 82.1875% | 276 |
| Net loans and leases to deposits | 97.5185% | 361 |
| Net loans and leases to core deposits | 100.2027% | 663 |
| Total domestic deposits to total assets | 84.2789% | 3,631 |
| Equity capital to assets | 12.2746% | 802 |
| Core capital (leverage) ratio | 12.0534% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0775% | 2,030 |
| Memoranda: | ||
| Average total assets | $277,079,667 | 2,601 |
| Average earning assets | $261,471,667 | 2,590 |
| Average equity | $33,077,333 | 2,272 |
| Average total loans | $217,434,667 | 2,127 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5562% | 1,635 |
| Cost of funding earning assets | 0.4363% | 701 |
| Net interest margin | 3.1199% | 2,110 |
| Noninterest income to average assets | 0.5116% | 2,088 |
| Noninterest expense to average assets | 2.5564% | 1,732 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7234% | 2,968 |
| Return on assets (ROA) | 0.7234% | 2,959 |
| Pretax return on assets | 0.9021% | 2,768 |
| Return on Equity (ROE) | 6.1459% | 3,308 |
| Retained earnings to average equity (ytd only) | 6.1459% | 2,198 |
| Net charge-offs to loans | -0.0095% | 3,567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9167% | 1,751 |
| Assets per employee ($millions) | 4.7695% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2669% | 394 |
| Loan loss allowance to noncurrent loans | 3,960.4839% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 3,595 |
| Noncurrent loans to loans | 0.0572% | 3,573 |
| Net loans and leases to total assets | 75.2411% | 552 |
| Net loans and leases to deposits | 88.5957% | 587 |
| Net loans and leases to core deposits | 91.4469% | 842 |
| Total domestic deposits to total assets | 84.9263% | 3,554 |
| Equity capital to assets | 11.6881% | 1,066 |
| Core capital (leverage) ratio | 11.8177% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5669% | 1,966 |
| Memoranda: | ||
| Average total assets | $277,578,500 | 2,611 |
| Average earning assets | $262,189,500 | 2,601 |
| Average equity | $32,672,000 | 2,350 |
| Average total loans | $210,242,000 | 2,169 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0547% | 1,239 |
| Cost of funding earning assets | 0.5906% | 567 |
| Net interest margin | 3.4641% | 1,843 |
| Noninterest income to average assets | 0.7239% | 1,681 |
| Noninterest expense to average assets | 2.5907% | 1,896 |
| Loan and lease loss provision to assets | 0.0559% | 1,931 |
| Net operating income to assets | 1.0746% | 2,392 |
| Return on assets (ROA) | 1.0662% | 2,506 |
| Pretax return on assets | 1.3293% | 2,269 |
| Return on Equity (ROE) | 9.1929% | 2,836 |
| Retained earnings to average equity (ytd only) | 9.1929% | 1,141 |
| Net charge-offs to loans | -0.5151% | 4,783 |
| Credit loss provision to net charge-offs | -14.9551% | 3,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9907% | 2,403 |
| Assets per employee ($millions) | 4.6400% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4067% | 319 |
| Loan loss allowance to noncurrent loans | 3,832.8125% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 3,664 |
| Noncurrent loans to loans | 0.0628% | 3,636 |
| Net loans and leases to total assets | 72.6698% | 791 |
| Net loans and leases to deposits | 85.8118% | 796 |
| Net loans and leases to core deposits | 88.4870% | 1,045 |
| Total domestic deposits to total assets | 84.6851% | 3,366 |
| Equity capital to assets | 11.8550% | 1,314 |
| Core capital (leverage) ratio | 11.8879% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7801% | 2,327 |
| Memoranda: | ||
| Average total assets | $268,418,000 | 2,610 |
| Average earning assets | $252,792,400 | 2,599 |
| Average equity | $31,132,800 | 2,462 |
| Average total loans | $194,730,200 | 2,269 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1599% | 1,169 |
| Cost of funding earning assets | 0.6296% | 543 |
| Net interest margin | 3.5303% | 1,784 |
| Noninterest income to average assets | 0.7828% | 1,579 |
| Noninterest expense to average assets | 2.5674% | 1,933 |
| Loan and lease loss provision to assets | 0.0749% | 1,553 |
| Net operating income to assets | 1.1678% | 2,285 |
| Return on assets (ROA) | 1.1567% | 2,396 |
| Pretax return on assets | 1.4492% | 2,154 |
| Return on Equity (ROE) | 10.0292% | 2,728 |
| Retained earnings to average equity (ytd only) | 10.0292% | 1,304 |
| Net charge-offs to loans | -0.6921% | 4,855 |
| Credit loss provision to net charge-offs | -15.0150% | 3,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5365% | 2,607 |
| Assets per employee ($millions) | 4.5328% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5154% | 283 |
| Loan loss allowance to noncurrent loans | 3,604.4118% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,818 |
| Noncurrent loans to loans | 0.0698% | 3,747 |
| Net loans and leases to total assets | 69.8528% | 1,089 |
| Net loans and leases to deposits | 82.4202% | 1,077 |
| Net loans and leases to core deposits | 85.1929% | 1,340 |
| Total domestic deposits to total assets | 84.7521% | 3,201 |
| Equity capital to assets | 11.7404% | 1,523 |
| Core capital (leverage) ratio | 11.6402% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9405% | 2,386 |
| Memoranda: | ||
| Average total assets | $267,082,750 | 2,644 |
| Average earning assets | $251,376,000 | 2,634 |
| Average equity | $30,802,500 | 2,509 |
| Average total loans | $192,451,250 | 2,323 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 1,086 |
| Cost of funding earning assets | 0.6505% | 573 |
| Net interest margin | 3.6027% | 1,586 |
| Noninterest income to average assets | 0.8860% | 1,308 |
| Noninterest expense to average assets | 2.5647% | 1,947 |
| Loan and lease loss provision to assets | 0.1130% | 1,118 |
| Net operating income to assets | 1.2733% | 1,939 |
| Return on assets (ROA) | 1.2733% | 2,017 |
| Pretax return on assets | 1.5965% | 1,739 |
| Return on Equity (ROE) | 11.1087% | 2,394 |
| Retained earnings to average equity (ytd only) | 11.1087% | 1,104 |
| Net charge-offs to loans | -1.0311% | 4,897 |
| Credit loss provision to net charge-offs | -15.1822% | 2,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0035% | 3,020 |
| Assets per employee ($millions) | 4.8057% | 3,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6168% | 239 |
| Loan loss allowance to noncurrent loans | 3,677.4436% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 3,931 |
| Noncurrent loans to loans | 0.0712% | 3,833 |
| Net loans and leases to total assets | 66.4469% | 1,640 |
| Net loans and leases to deposits | 78.1107% | 1,610 |
| Net loans and leases to core deposits | 82.0757% | 1,717 |
| Total domestic deposits to total assets | 85.0676% | 3,063 |
| Equity capital to assets | 11.4363% | 1,667 |
| Core capital (leverage) ratio | 11.3950% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3450% | 2,598 |
| Memoranda: | ||
| Average total assets | $265,455,000 | 2,645 |
| Average earning assets | $249,643,667 | 2,634 |
| Average equity | $30,426,667 | 2,516 |
| Average total loans | $191,642,333 | 2,335 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 1,541 |
| Cost of funding earning assets | 0.6624% | 640 |
| Net interest margin | 3.3689% | 2,190 |
| Noninterest income to average assets | 0.9463% | 1,224 |
| Noninterest expense to average assets | 2.6016% | 1,880 |
| Loan and lease loss provision to assets | 0.2297% | 494 |
| Net operating income to assets | 1.0336% | 2,701 |
| Return on assets (ROA) | 1.0336% | 2,779 |
| Pretax return on assets | 1.2847% | 2,605 |
| Return on Equity (ROE) | 9.0071% | 3,039 |
| Retained earnings to average equity (ytd only) | 9.0071% | 1,953 |
| Net charge-offs to loans | -0.0948% | 4,621 |
| Credit loss provision to net charge-offs | -326.0870% | 3,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2068% | 2,577 |
| Assets per employee ($millions) | 4.8376% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0308% | 560 |
| Loan loss allowance to noncurrent loans | 2,393.3333% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 3,943 |
| Noncurrent loans to loans | 0.0849% | 3,881 |
| Net loans and leases to total assets | 70.3204% | 1,246 |
| Net loans and leases to deposits | 82.8522% | 1,263 |
| Net loans and leases to core deposits | 87.1126% | 1,443 |
| Total domestic deposits to total assets | 84.8745% | 3,153 |
| Equity capital to assets | 11.1843% | 1,733 |
| Core capital (leverage) ratio | 11.6264% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0990% | 2,634 |
| Memoranda: | ||
| Average total assets | $261,219,000 | 2,663 |
| Average earning assets | $245,775,000 | 2,642 |
| Average equity | $29,976,500 | 2,547 |
| Average total loans | $194,010,000 | 2,323 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 1,332 |
| Cost of funding earning assets | 0.8530% | 1,009 |
| Net interest margin | 3.6394% | 2,013 |
| Noninterest income to average assets | 1.0320% | 990 |
| Noninterest expense to average assets | 2.5944% | 2,562 |
| Loan and lease loss provision to assets | 0.5212% | 449 |
| Net operating income to assets | 1.0730% | 2,012 |
| Return on assets (ROA) | 1.0730% | 2,158 |
| Pretax return on assets | 1.3245% | 1,906 |
| Return on Equity (ROE) | 9.1419% | 2,343 |
| Retained earnings to average equity (ytd only) | 8.5604% | 891 |
| Net charge-offs to loans | 1.0240% | 131 |
| Credit loss provision to net charge-offs | 62.1302% | 3,081 |
| Earnings coverage of net charge-offs (x) | 2.2002% | 3,185 |
| Efficiency ratio | 58.4312% | 3,664 |
| Assets per employee ($millions) | 4.5733% | 3,842 |
| Cash dividends to net income (ytd only)* | 6.3608% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9389% | 660 |
| Loan loss allowance to noncurrent loans | 815.8696% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 3,367 |
| Noncurrent loans to loans | 0.2376% | 3,348 |
| Net loans and leases to total assets | 75.4639% | 849 |
| Net loans and leases to deposits | 90.8158% | 864 |
| Net loans and leases to core deposits | 96.0928% | 1,114 |
| Total domestic deposits to total assets | 83.0955% | 3,382 |
| Equity capital to assets | 11.7894% | 1,687 |
| Core capital (leverage) ratio | 11.6376% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3914% | 2,826 |
| Memoranda: | ||
| Average total assets | $241,753,600 | 2,639 |
| Average earning assets | $226,382,000 | 2,627 |
| Average equity | $28,375,000 | 2,582 |
| Average total loans | $198,056,400 | 2,252 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5432% | 1,471 |
| Cost of funding earning assets | 0.8921% | 1,093 |
| Net interest margin | 3.6511% | 2,099 |
| Noninterest income to average assets | 0.9733% | 1,075 |
| Noninterest expense to average assets | 2.6074% | 2,516 |
| Loan and lease loss provision to assets | 0.5349% | 525 |
| Net operating income to assets | 1.0162% | 2,271 |
| Return on assets (ROA) | 1.0162% | 2,403 |
| Pretax return on assets | 1.2491% | 2,227 |
| Return on Equity (ROE) | 8.6684% | 2,537 |
| Retained earnings to average equity (ytd only) | 7.8842% | 1,341 |
| Net charge-offs to loans | 1.5316% | 75 |
| Credit loss provision to net charge-offs | 41.9580% | 2,918 |
| Earnings coverage of net charge-offs (x) | 1.3995% | 3,073 |
| Efficiency ratio | 59.3758% | 3,475 |
| Assets per employee ($millions) | 4.6668% | 3,636 |
| Cash dividends to net income (ytd only)* | 9.0461% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 1,069 |
| Loan loss allowance to noncurrent loans | 742.5581% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 3,511 |
| Noncurrent loans to loans | 0.2171% | 3,516 |
| Net loans and leases to total assets | 77.3315% | 923 |
| Net loans and leases to deposits | 92.7179% | 1,019 |
| Net loans and leases to core deposits | 97.9907% | 1,306 |
| Total domestic deposits to total assets | 83.4052% | 3,023 |
| Equity capital to assets | 11.4708% | 2,031 |
| Core capital (leverage) ratio | 11.4278% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5018% | 2,790 |
| Memoranda: | ||
| Average total assets | $239,309,250 | 2,629 |
| Average earning assets | $224,036,750 | 2,620 |
| Average equity | $28,055,250 | 2,594 |
| Average total loans | $199,178,500 | 2,240 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 1,503 |
| Cost of funding earning assets | 0.9225% | 1,269 |
| Net interest margin | 3.7399% | 2,027 |
| Noninterest income to average assets | 0.8865% | 1,200 |
| Noninterest expense to average assets | 2.5685% | 2,770 |
| Loan and lease loss provision to assets | 0.5615% | 583 |
| Net operating income to assets | 1.0252% | 2,235 |
| Return on assets (ROA) | 1.0252% | 2,366 |
| Pretax return on assets | 1.2541% | 2,172 |
| Return on Equity (ROE) | 8.6780% | 2,502 |
| Retained earnings to average equity (ytd only) | 8.6780% | 1,110 |
| Net charge-offs to loans | 0.5683% | 276 |
| Credit loss provision to net charge-offs | 116.4021% | 2,305 |
| Earnings coverage of net charge-offs (x) | 3.7637% | 2,653 |
| Efficiency ratio | 58.5872% | 3,613 |
| Assets per employee ($millions) | 4.5051% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2193% | 325 |
| Loan loss allowance to noncurrent loans | 176.4436% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 1.0635% | 1,089 |
| Noncurrent loans to loans | 1.2578% | 1,239 |
| Net loans and leases to total assets | 80.5801% | 527 |
| Net loans and leases to deposits | 96.7407% | 744 |
| Net loans and leases to core deposits | 105.2057% | 933 |
| Total domestic deposits to total assets | 83.2950% | 2,998 |
| Equity capital to assets | 11.2834% | 2,131 |
| Core capital (leverage) ratio | 11.4759% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3055% | 2,888 |
| Memoranda: | ||
| Average total assets | $235,077,000 | 2,638 |
| Average earning assets | $219,844,333 | 2,631 |
| Average equity | $27,771,333 | 2,598 |
| Average total loans | $199,547,000 | 2,227 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9474% | 1,067 |
| Cost of funding earning assets | 0.9755% | 1,539 |
| Net interest margin | 3.9719% | 1,469 |
| Noninterest income to average assets | 0.5775% | 2,144 |
| Noninterest expense to average assets | 2.7977% | 2,436 |
| Loan and lease loss provision to assets | 0.4592% | 649 |
| Net operating income to assets | 0.8601% | 2,655 |
| Return on assets (ROA) | 0.8601% | 2,761 |
| Pretax return on assets | 1.0244% | 2,762 |
| Return on Equity (ROE) | 7.1033% | 2,901 |
| Retained earnings to average equity (ytd only) | 7.1033% | 1,502 |
| Net charge-offs to loans | 0.0717% | 1,317 |
| Credit loss provision to net charge-offs | 742.8571% | 702 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,314 |
| Efficiency ratio | 65.3465% | 3,047 |
| Assets per employee ($millions) | 4.0685% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4515% | 266 |
| Loan loss allowance to noncurrent loans | 73.6271% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 2.8573% | 216 |
| Noncurrent loans to loans | 3.3296% | 296 |
| Net loans and leases to total assets | 82.8873% | 364 |
| Net loans and leases to deposits | 101.3612% | 473 |
| Net loans and leases to core deposits | 112.0627% | 752 |
| Total domestic deposits to total assets | 81.7743% | 3,479 |
| Equity capital to assets | 12.1394% | 1,968 |
| Core capital (leverage) ratio | 12.0234% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9480% | 2,727 |
| Memoranda: | ||
| Average total assets | $226,474,000 | 2,660 |
| Average earning assets | $211,183,000 | 2,654 |
| Average equity | $27,424,000 | 2,610 |
| Average total loans | $195,368,500 | 2,224 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 1,700 |
| Cost of funding earning assets | 0.9290% | 2,065 |
| Net interest margin | 3.9897% | 1,886 |
| Noninterest income to average assets | 0.5723% | 2,359 |
| Noninterest expense to average assets | 2.7837% | 2,659 |
| Loan and lease loss provision to assets | 0.3984% | 361 |
| Net operating income to assets | 0.9096% | 3,167 |
| Return on assets (ROA) | 0.9096% | 3,255 |
| Pretax return on assets | 1.1238% | 3,099 |
| Return on Equity (ROE) | 7.8029% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.5802% | 1,573 |
| Net charge-offs to loans | -0.0166% | 4,591 |
| Credit loss provision to net charge-offs | -2,812.5000% | 4,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6484% | 2,982 |
| Assets per employee ($millions) | 3.9493% | 3,975 |
| Cash dividends to net income (ytd only)* | 15.6691% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2933% | 289 |
| Loan loss allowance to noncurrent loans | 145.6508% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 1.4251% | 733 |
| Noncurrent loans to loans | 1.5745% | 896 |
| Net loans and leases to total assets | 85.5676% | 196 |
| Net loans and leases to deposits | 104.5665% | 355 |
| Net loans and leases to core deposits | 116.0297% | 598 |
| Total domestic deposits to total assets | 81.8307% | 3,552 |
| Equity capital to assets | 12.0785% | 2,089 |
| Core capital (leverage) ratio | 11.8505% | 1,869 |
| Tier 1 risk-based capital ratio | 11.4014% | 4,679 |
| Total risk-based capital ratio | 12.6594% | 4,551 |
| Memoranda: | ||
| Average total assets | $225,923,400 | 2,613 |
| Average earning assets | $211,416,800 | 2,593 |
| Average equity | $26,336,400 | 2,609 |
| Average total loans | $192,825,800 | 2,219 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9019% | 1,814 |
| Cost of funding earning assets | 0.9176% | 2,146 |
| Net interest margin | 3.9843% | 2,000 |
| Noninterest income to average assets | 0.5643% | 2,390 |
| Noninterest expense to average assets | 2.6999% | 2,867 |
| Loan and lease loss provision to assets | 0.3538% | 380 |
| Net operating income to assets | 0.9982% | 2,989 |
| Return on assets (ROA) | 0.9982% | 3,066 |
| Pretax return on assets | 1.2382% | 2,860 |
| Return on Equity (ROE) | 8.6410% | 3,037 |
| Retained earnings to average equity (ytd only) | 7.8346% | 1,476 |
| Net charge-offs to loans | -0.0216% | 4,599 |
| Credit loss provision to net charge-offs | -1,935.4839% | 4,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9070% | 3,181 |
| Assets per employee ($millions) | 4.0336% | 3,854 |
| Cash dividends to net income (ytd only)* | 9.3325% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1357% | 371 |
| Loan loss allowance to noncurrent loans | 130.8527% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 1.4218% | 805 |
| Noncurrent loans to loans | 1.6322% | 900 |
| Net loans and leases to total assets | 84.1057% | 342 |
| Net loans and leases to deposits | 102.2997% | 494 |
| Net loans and leases to core deposits | 115.3835% | 683 |
| Total domestic deposits to total assets | 82.2150% | 3,409 |
| Equity capital to assets | 11.7392% | 2,471 |
| Core capital (leverage) ratio | 11.8972% | 1,918 |
| Tier 1 risk-based capital ratio | 11.5888% | 4,631 |
| Total risk-based capital ratio | 12.8460% | 4,521 |
| Memoranda: | ||
| Average total assets | $226,126,500 | 2,631 |
| Average earning assets | $211,557,500 | 2,621 |
| Average equity | $26,123,000 | 2,633 |
| Average total loans | $191,746,500 | 2,241 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8730% | 1,839 |
| Cost of funding earning assets | 0.9047% | 2,117 |
| Net interest margin | 3.9683% | 2,022 |
| Noninterest income to average assets | 0.4999% | 2,684 |
| Noninterest expense to average assets | 2.7537% | 2,743 |
| Loan and lease loss provision to assets | 0.2891% | 486 |
| Net operating income to assets | 0.9463% | 3,106 |
| Return on assets (ROA) | 0.9463% | 3,173 |
| Pretax return on assets | 1.1714% | 3,008 |
| Return on Equity (ROE) | 8.2372% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.0140% | 1,800 |
| Net charge-offs to loans | -0.0032% | 4,038 |
| Credit loss provision to net charge-offs | -10,833.3333% | 4,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3440% | 2,914 |
| Assets per employee ($millions) | 3.8036% | 4,120 |
| Cash dividends to net income (ytd only)* | 14.8496% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0321% | 450 |
| Loan loss allowance to noncurrent loans | 114.0985% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.5494% | 711 |
| Noncurrent loans to loans | 1.7810% | 846 |
| Net loans and leases to total assets | 84.1484% | 350 |
| Net loans and leases to deposits | 102.4539% | 515 |
| Net loans and leases to core deposits | 115.5684% | 701 |
| Total domestic deposits to total assets | 82.1329% | 3,477 |
| Equity capital to assets | 11.7400% | 2,396 |
| Core capital (leverage) ratio | 11.4238% | 2,229 |
| Tier 1 risk-based capital ratio | 12.1015% | 4,359 |
| Total risk-based capital ratio | 13.3583% | 4,243 |
| Memoranda: | ||
| Average total assets | $224,864,330 | 2,652 |
| Average earning assets | $210,465,330 | 2,632 |
| Average equity | $25,834,000 | 2,647 |
| Average total loans | $189,798,670 | 2,261 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7302% | 2,116 |
| Cost of funding earning assets | 0.8333% | 2,359 |
| Net interest margin | 3.8969% | 2,200 |
| Noninterest income to average assets | 0.4656% | 2,769 |
| Noninterest expense to average assets | 2.6123% | 3,181 |
| Loan and lease loss provision to assets | 0.2666% | 523 |
| Net operating income to assets | 0.9969% | 2,852 |
| Return on assets (ROA) | 0.9969% | 2,891 |
| Pretax return on assets | 1.2351% | 2,682 |
| Return on Equity (ROE) | 8.7732% | 2,912 |
| Retained earnings to average equity (ytd only) | 8.7732% | 1,395 |
| Net charge-offs to loans | -0.0042% | 3,981 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4989% | 3,316 |
| Assets per employee ($millions) | 3.9646% | 3,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9463% | 558 |
| Loan loss allowance to noncurrent loans | 111.5385% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.4527% | 840 |
| Noncurrent loans to loans | 1.7450% | 884 |
| Net loans and leases to total assets | 80.5724% | 773 |
| Net loans and leases to deposits | 100.4124% | 604 |
| Net loans and leases to core deposits | 113.6042% | 756 |
| Total domestic deposits to total assets | 80.2415% | 4,129 |
| Equity capital to assets | 11.0770% | 2,772 |
| Core capital (leverage) ratio | 11.5946% | 2,059 |
| Tier 1 risk-based capital ratio | 11.7353% | 4,597 |
| Total risk-based capital ratio | 12.9905% | 4,500 |
| Memoranda: | ||
| Average total assets | $225,090,000 | 2,680 |
| Average earning assets | $210,730,500 | 2,661 |
| Average equity | $25,578,000 | 2,674 |
| Average total loans | $188,319,500 | 2,296 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 2,229 |
| Cost of funding earning assets | 0.5006% | 3,351 |
| Net interest margin | 4.0702% | 1,770 |
| Noninterest income to average assets | 0.5666% | 2,464 |
| Noninterest expense to average assets | 3.1094% | 1,779 |
| Loan and lease loss provision to assets | 0.0741% | 2,649 |
| Net operating income to assets | 0.9569% | 3,191 |
| Return on assets (ROA) | 0.9569% | 3,190 |
| Pretax return on assets | 1.1792% | 2,971 |
| Return on Equity (ROE) | 7.7784% | 3,533 |
| Retained earnings to average equity (ytd only) | 6.5295% | 1,908 |
| Net charge-offs to loans | 0.0129% | 3,255 |
| Credit loss provision to net charge-offs | 681.8182% | 508 |
| Earnings coverage of net charge-offs (x) | 115.3182% | 665 |
| Efficiency ratio | 71.2717% | 2,004 |
| Assets per employee ($millions) | 3.6133% | 4,434 |
| Cash dividends to net income (ytd only)* | 16.0558% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9460% | 529 |
| Loan loss allowance to noncurrent loans | 106.6885% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.5720% | 728 |
| Noncurrent loans to loans | 1.8240% | 774 |
| Net loans and leases to total assets | 83.4154% | 466 |
| Net loans and leases to deposits | 104.6921% | 447 |
| Net loans and leases to core deposits | 114.7423% | 750 |
| Total domestic deposits to total assets | 79.6769% | 4,176 |
| Equity capital to assets | 11.8502% | 2,001 |
| Core capital (leverage) ratio | 12.0540% | 1,702 |
| Tier 1 risk-based capital ratio | 12.0316% | 4,413 |
| Total risk-based capital ratio | 13.2866% | 4,296 |
| Memoranda: | ||
| Average total assets | $202,418,400 | 2,841 |
| Average earning assets | $188,785,600 | 2,840 |
| Average equity | $24,902,200 | 2,647 |
| Average total loans | $170,176,200 | 2,436 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5049% | 2,288 |
| Cost of funding earning assets | 0.4271% | 3,681 |
| Net interest margin | 4.0778% | 1,701 |
| Noninterest income to average assets | 0.5754% | 2,448 |
| Noninterest expense to average assets | 3.0827% | 1,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0475% | 2,876 |
| Return on assets (ROA) | 1.0475% | 2,888 |
| Pretax return on assets | 1.2956% | 2,645 |
| Return on Equity (ROE) | 8.4299% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.6042% | 1,846 |
| Net charge-offs to loans | 0.0200% | 2,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 77.2859% | 896 |
| Efficiency ratio | 70.4089% | 2,134 |
| Assets per employee ($millions) | 3.6251% | 4,401 |
| Cash dividends to net income (ytd only)* | 9.7949% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9240% | 560 |
| Loan loss allowance to noncurrent loans | 100.9104% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.6613% | 745 |
| Noncurrent loans to loans | 1.9066% | 792 |
| Net loans and leases to total assets | 83.3038% | 536 |
| Net loans and leases to deposits | 103.9108% | 554 |
| Net loans and leases to core deposits | 114.8056% | 771 |
| Total domestic deposits to total assets | 80.1686% | 4,073 |
| Equity capital to assets | 12.0795% | 1,851 |
| Core capital (leverage) ratio | 12.3138% | 1,604 |
| Tier 1 risk-based capital ratio | 12.2098% | 4,373 |
| Total risk-based capital ratio | 13.4647% | 4,259 |
| Memoranda: | ||
| Average total assets | $198,823,500 | 2,901 |
| Average earning assets | $185,421,250 | 2,894 |
| Average equity | $24,705,000 | 2,678 |
| Average total loans | $166,612,250 | 2,482 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 2,215 |
| Cost of funding earning assets | 0.3607% | 4,006 |
| Net interest margin | 4.1009% | 1,557 |
| Noninterest income to average assets | 0.5436% | 2,606 |
| Noninterest expense to average assets | 3.1854% | 1,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9630% | 3,177 |
| Return on assets (ROA) | 0.9630% | 3,179 |
| Pretax return on assets | 1.1825% | 2,999 |
| Return on Equity (ROE) | 7.6734% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.4231% | 2,350 |
| Net charge-offs to loans | -0.0234% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9279% | 1,857 |
| Assets per employee ($millions) | 3.2896% | 4,828 |
| Cash dividends to net income (ytd only)* | 16.2939% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0518% | 475 |
| Loan loss allowance to noncurrent loans | 950.8197% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 3,745 |
| Noncurrent loans to loans | 0.2158% | 3,949 |
| Net loans and leases to total assets | 82.7873% | 611 |
| Net loans and leases to deposits | 100.9522% | 742 |
| Net loans and leases to core deposits | 108.1669% | 1,106 |
| Total domestic deposits to total assets | 82.0064% | 3,721 |
| Equity capital to assets | 12.3449% | 1,634 |
| Core capital (leverage) ratio | 12.5587% | 1,404 |
| Tier 1 risk-based capital ratio | 12.5219% | 4,172 |
| Total risk-based capital ratio | 13.7778% | 4,064 |
| Memoranda: | ||
| Average total assets | $195,012,330 | 2,950 |
| Average earning assets | $181,864,330 | 2,939 |
| Average equity | $24,474,000 | 2,708 |
| Average total loans | $162,620,330 | 2,524 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4122% | 2,156 |
| Cost of funding earning assets | 0.3257% | 4,161 |
| Net interest margin | 4.0865% | 1,473 |
| Noninterest income to average assets | 0.5703% | 2,423 |
| Noninterest expense to average assets | 3.0970% | 1,835 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0469% | 2,660 |
| Return on assets (ROA) | 1.0469% | 2,676 |
| Pretax return on assets | 1.2863% | 2,422 |
| Return on Equity (ROE) | 8.2713% | 3,262 |
| Retained earnings to average equity (ytd only) | 8.2713% | 1,739 |
| Net charge-offs to loans | -0.0327% | 4,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6553% | 2,393 |
| Assets per employee ($millions) | 3.3227% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1567% | 419 |
| Loan loss allowance to noncurrent loans | 793.1507% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 3,633 |
| Noncurrent loans to loans | 0.2719% | 3,795 |
| Net loans and leases to total assets | 80.3949% | 887 |
| Net loans and leases to deposits | 95.8161% | 1,055 |
| Net loans and leases to core deposits | 101.1559% | 1,602 |
| Total domestic deposits to total assets | 83.9054% | 3,366 |
| Equity capital to assets | 12.5137% | 1,478 |
| Core capital (leverage) ratio | 12.8099% | 1,247 |
| Tier 1 risk-based capital ratio | 13.0936% | 3,904 |
| Total risk-based capital ratio | 14.3510% | 3,807 |
| Memoranda: | ||
| Average total assets | $192,185,500 | 3,012 |
| Average earning assets | $179,320,000 | 3,001 |
| Average equity | $24,325,000 | 2,740 |
| Average total loans | $159,127,500 | 2,579 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 1,979 |
| Cost of funding earning assets | 0.2250% | 4,755 |
| Net interest margin | 4.1929% | 1,202 |
| Noninterest income to average assets | 0.6015% | 2,439 |
| Noninterest expense to average assets | 3.2791% | 1,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7260% | 3,490 |
| Return on assets (ROA) | 0.7260% | 3,528 |
| Pretax return on assets | 1.2267% | 2,656 |
| Return on Equity (ROE) | 5.5077% | 3,960 |
| Retained earnings to average equity (ytd only) | 2.3212% | 3,931 |
| Net charge-offs to loans | -0.0123% | 4,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7760% | 2,104 |
| Assets per employee ($millions) | 3.3040% | 4,930 |
| Cash dividends to net income (ytd only)* | 57.8550% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2020% | 369 |
| Loan loss allowance to noncurrent loans | 1,263.1387% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 3,976 |
| Noncurrent loans to loans | 0.1743% | 4,226 |
| Net loans and leases to total assets | 81.6190% | 739 |
| Net loans and leases to deposits | 98.5453% | 858 |
| Net loans and leases to core deposits | 100.4135% | 1,679 |
| Total domestic deposits to total assets | 82.8238% | 3,620 |
| Equity capital to assets | 12.8062% | 1,352 |
| Core capital (leverage) ratio | 12.8505% | 1,197 |
| Tier 1 risk-based capital ratio | 12.8080% | 4,030 |
| Total risk-based capital ratio | 14.0651% | 3,923 |
| Memoranda: | ||
| Average total assets | $182,366,600 | 3,085 |
| Average earning assets | $169,811,600 | 3,079 |
| Average equity | $24,039,000 | 2,751 |
| Average total loans | $146,163,600 | 2,694 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4103% | 1,931 |
| Cost of funding earning assets | 0.2178% | 4,831 |
| Net interest margin | 4.1925% | 1,168 |
| Noninterest income to average assets | 0.6015% | 2,480 |
| Noninterest expense to average assets | 3.2626% | 1,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8706% | 3,174 |
| Return on assets (ROA) | 0.8706% | 3,220 |
| Pretax return on assets | 1.2406% | 2,747 |
| Return on Equity (ROE) | 6.5557% | 3,886 |
| Retained earnings to average equity (ytd only) | 3.1474% | 4,032 |
| Net charge-offs to loans | -0.0139% | 4,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4505% | 2,144 |
| Assets per employee ($millions) | 3.1883% | 5,083 |
| Cash dividends to net income (ytd only)* | 51.9900% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3190% | 338 |
| Loan loss allowance to noncurrent loans | 768.4444% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 3,483 |
| Noncurrent loans to loans | 0.3018% | 3,858 |
| Net loans and leases to total assets | 80.1503% | 968 |
| Net loans and leases to deposits | 94.5401% | 1,237 |
| Net loans and leases to core deposits | 95.5761% | 2,123 |
| Total domestic deposits to total assets | 84.7792% | 2,805 |
| Equity capital to assets | 13.3422% | 1,229 |
| Core capital (leverage) ratio | 13.2166% | 1,127 |
| Tier 1 risk-based capital ratio | 13.3071% | 3,821 |
| Total risk-based capital ratio | 14.5649% | 3,727 |
| Memoranda: | ||
| Average total assets | $180,875,750 | 3,129 |
| Average earning assets | $168,329,250 | 3,121 |
| Average equity | $24,019,250 | 2,780 |
| Average total loans | $143,411,000 | 2,751 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3471% | 1,983 |
| Cost of funding earning assets | 0.2210% | 4,793 |
| Net interest margin | 4.1261% | 1,256 |
| Noninterest income to average assets | 0.5980% | 2,470 |
| Noninterest expense to average assets | 3.3402% | 1,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7786% | 3,494 |
| Return on assets (ROA) | 0.7786% | 3,546 |
| Pretax return on assets | 1.1030% | 3,161 |
| Return on Equity (ROE) | 5.8722% | 4,104 |
| Retained earnings to average equity (ytd only) | 4.6276% | 2,958 |
| Net charge-offs to loans | -0.0466% | 5,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1745% | 1,831 |
| Assets per employee ($millions) | 3.2223% | 5,066 |
| Cash dividends to net income (ytd only)* | 21.1949% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3842% | 331 |
| Loan loss allowance to noncurrent loans | 1,174.3243% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 3,721 |
| Noncurrent loans to loans | 0.2030% | 4,304 |
| Net loans and leases to total assets | 76.1488% | 1,525 |
| Net loans and leases to deposits | 88.5371% | 1,921 |
| Net loans and leases to core deposits | 89.4683% | 2,577 |
| Total domestic deposits to total assets | 86.0077% | 2,373 |
| Equity capital to assets | 12.9757% | 1,387 |
| Core capital (leverage) ratio | 13.1094% | 1,132 |
| Tier 1 risk-based capital ratio | 13.6786% | 3,601 |
| Total risk-based capital ratio | 14.9372% | 3,515 |
| Memoranda: | ||
| Average total assets | $180,590,670 | 3,148 |
| Average earning assets | $168,295,670 | 3,132 |
| Average equity | $23,943,330 | 2,788 |
| Average total loans | $141,509,330 | 2,783 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 1,847 |
| Cost of funding earning assets | 0.2253% | 4,750 |
| Net interest margin | 4.1154% | 1,182 |
| Noninterest income to average assets | 0.5816% | 2,500 |
| Noninterest expense to average assets | 3.2394% | 1,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8228% | 3,108 |
| Return on assets (ROA) | 0.8228% | 3,167 |
| Pretax return on assets | 1.1722% | 2,700 |
| Return on Equity (ROE) | 6.1372% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.1372% | 2,265 |
| Net charge-offs to loans | 0.0201% | 2,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 74.2857% | 693 |
| Efficiency ratio | 73.4287% | 2,334 |
| Assets per employee ($millions) | 3.1016% | 5,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4072% | 352 |
| Loan loss allowance to noncurrent loans | 1,156.9024% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.4208% | 3,501 |
| Noncurrent loans to loans | 0.2081% | 4,370 |
| Net loans and leases to total assets | 76.1231% | 1,397 |
| Net loans and leases to deposits | 88.7193% | 1,707 |
| Net loans and leases to core deposits | 89.6731% | 2,380 |
| Total domestic deposits to total assets | 85.8022% | 2,755 |
| Equity capital to assets | 13.1147% | 1,213 |
| Core capital (leverage) ratio | 13.4995% | 978 |
| Tier 1 risk-based capital ratio | 13.7323% | 3,645 |
| Total risk-based capital ratio | 14.9910% | 3,544 |
| Memoranda: | ||
| Average total assets | $177,438,000 | 3,211 |
| Average earning assets | $165,136,500 | 3,203 |
| Average equity | $23,789,500 | 2,806 |
| Average total loans | $139,366,500 | 2,832 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 2,418 |
| Cost of funding earning assets | 0.2297% | 4,741 |
| Net interest margin | 3.9909% | 1,656 |
| Noninterest income to average assets | 0.6034% | 2,647 |
| Noninterest expense to average assets | 3.3755% | 1,414 |
| Loan and lease loss provision to assets | -0.0778% | 5,650 |
| Net operating income to assets | 0.7313% | 3,634 |
| Return on assets (ROA) | 0.7313% | 3,747 |
| Pretax return on assets | 1.0402% | 3,327 |
| Return on Equity (ROE) | 5.4620% | 4,215 |
| Retained earnings to average equity (ytd only) | 4.2008% | 2,918 |
| Net charge-offs to loans | -0.3666% | 5,810 |
| Credit loss provision to net charge-offs | 27.9503% | 3,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8132% | 1,718 |
| Assets per employee ($millions) | 3.0155% | 5,346 |
| Cash dividends to net income (ytd only)* | 23.0890% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5317% | 296 |
| Loan loss allowance to noncurrent loans | 1,015.6342% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 2,717 |
| Noncurrent loans to loans | 0.2493% | 4,264 |
| Net loans and leases to total assets | 77.1187% | 1,342 |
| Net loans and leases to deposits | 90.6656% | 1,615 |
| Net loans and leases to core deposits | 91.7145% | 2,326 |
| Total domestic deposits to total assets | 85.0584% | 3,017 |
| Equity capital to assets | 13.7186% | 978 |
| Core capital (leverage) ratio | 13.6252% | 922 |
| Tier 1 risk-based capital ratio | 14.2308% | 3,331 |
| Total risk-based capital ratio | 15.4909% | 3,255 |
| Memoranda: | ||
| Average total assets | $173,517,200 | 3,237 |
| Average earning assets | $162,368,800 | 3,203 |
| Average equity | $23,233,400 | 2,868 |
| Average total loans | $131,743,600 | 2,895 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 2,673 |
| Cost of funding earning assets | 0.2298% | 4,789 |
| Net interest margin | 3.9225% | 1,901 |
| Noninterest income to average assets | 0.6547% | 2,395 |
| Noninterest expense to average assets | 3.2749% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7390% | 3,648 |
| Return on assets (ROA) | 0.7390% | 3,785 |
| Pretax return on assets | 1.0571% | 3,402 |
| Return on Equity (ROE) | 5.5528% | 4,288 |
| Retained earnings to average equity (ytd only) | 4.7291% | 2,992 |
| Net charge-offs to loans | -0.3989% | 5,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5972% | 2,029 |
| Assets per employee ($millions) | 3.0676% | 5,321 |
| Cash dividends to net income (ytd only)* | 14.8339% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5623% | 313 |
| Loan loss allowance to noncurrent loans | 882.5316% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.7652% | 2,635 |
| Noncurrent loans to loans | 0.2903% | 4,219 |
| Net loans and leases to total assets | 75.8131% | 1,552 |
| Net loans and leases to deposits | 89.0288% | 1,883 |
| Net loans and leases to core deposits | 89.8781% | 2,590 |
| Total domestic deposits to total assets | 85.1557% | 2,733 |
| Equity capital to assets | 13.5318% | 1,233 |
| Core capital (leverage) ratio | 13.4038% | 1,033 |
| Tier 1 risk-based capital ratio | 14.6071% | 3,229 |
| Total risk-based capital ratio | 15.8687% | 3,170 |
| Memoranda: | ||
| Average total assets | $173,925,750 | 3,244 |
| Average earning assets | $163,054,500 | 3,204 |
| Average equity | $23,146,750 | 2,900 |
| Average total loans | $130,680,250 | 2,919 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1208% | 2,779 |
| Cost of funding earning assets | 0.2325% | 4,824 |
| Net interest margin | 3.8883% | 2,022 |
| Noninterest income to average assets | 0.5656% | 2,819 |
| Noninterest expense to average assets | 3.3177% | 1,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6324% | 4,132 |
| Return on assets (ROA) | 0.6324% | 4,271 |
| Pretax return on assets | 0.8893% | 3,994 |
| Return on Equity (ROE) | 4.7790% | 4,614 |
| Retained earnings to average equity (ytd only) | 3.5342% | 3,644 |
| Net charge-offs to loans | -0.8053% | 5,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8609% | 1,661 |
| Assets per employee ($millions) | 2.8850% | 5,542 |
| Cash dividends to net income (ytd only)* | 26.0474% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7582% | 264 |
| Loan loss allowance to noncurrent loans | 976.7568% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.9855% | 2,170 |
| Noncurrent loans to loans | 0.2824% | 4,360 |
| Net loans and leases to total assets | 73.6052% | 1,915 |
| Net loans and leases to deposits | 86.2261% | 2,222 |
| Net loans and leases to core deposits | 87.2052% | 2,796 |
| Total domestic deposits to total assets | 85.3630% | 2,705 |
| Equity capital to assets | 13.4406% | 1,263 |
| Core capital (leverage) ratio | 13.1346% | 1,105 |
| Tier 1 risk-based capital ratio | 15.6794% | 2,792 |
| Total risk-based capital ratio | 16.9446% | 2,722 |
| Memoranda: | ||
| Average total assets | $173,616,000 | 3,270 |
| Average earning assets | $162,591,330 | 3,234 |
| Average equity | $22,975,330 | 2,925 |
| Average total loans | $128,890,670 | 2,951 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 2,707 |
| Cost of funding earning assets | 0.2336% | 4,869 |
| Net interest margin | 3.9018% | 1,929 |
| Noninterest income to average assets | 0.5498% | 2,807 |
| Noninterest expense to average assets | 3.2437% | 1,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6787% | 3,829 |
| Return on assets (ROA) | 0.6787% | 3,946 |
| Pretax return on assets | 0.9570% | 3,635 |
| Return on Equity (ROE) | 5.1686% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.1686% | 2,838 |
| Net charge-offs to loans | 0.1627% | 1,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,095 |
| Efficiency ratio | 77.2180% | 2,005 |
| Assets per employee ($millions) | 3.0307% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3989% | 444 |
| Loan loss allowance to noncurrent loans | 507.1667% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.9193% | 2,396 |
| Noncurrent loans to loans | 0.4730% | 3,760 |
| Net loans and leases to total assets | 70.4323% | 2,276 |
| Net loans and leases to deposits | 82.1536% | 2,526 |
| Net loans and leases to core deposits | 83.0681% | 3,036 |
| Total domestic deposits to total assets | 85.7324% | 2,794 |
| Equity capital to assets | 13.1002% | 1,362 |
| Core capital (leverage) ratio | 13.1861% | 1,089 |
| Tier 1 risk-based capital ratio | 12.8331% | 4,374 |
| Total risk-based capital ratio | 14.0887% | 4,279 |
| Memoranda: | ||
| Average total assets | $173,873,000 | 3,282 |
| Average earning assets | $162,693,000 | 3,247 |
| Average equity | $22,830,000 | 2,945 |
| Average total loans | $127,823,000 | 2,969 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 2,494 |
| Cost of funding earning assets | 0.2495% | 4,791 |
| Net interest margin | 3.9710% | 1,809 |
| Noninterest income to average assets | 0.4991% | 3,335 |
| Noninterest expense to average assets | 3.3694% | 1,550 |
| Loan and lease loss provision to assets | -0.0703% | 5,786 |
| Net operating income to assets | 0.6444% | 4,063 |
| Return on assets (ROA) | 0.6444% | 4,151 |
| Pretax return on assets | 0.9060% | 3,816 |
| Return on Equity (ROE) | 5.0116% | 4,498 |
| Retained earnings to average equity (ytd only) | 3.0975% | 3,851 |
| Net charge-offs to loans | 0.3658% | 797 |
| Credit loss provision to net charge-offs | -26.5217% | 5,008 |
| Earnings coverage of net charge-offs (x) | 3.1522% | 3,765 |
| Efficiency ratio | 80.1261% | 1,657 |
| Assets per employee ($millions) | 2.9146% | 5,598 |
| Cash dividends to net income (ytd only)* | 38.1932% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4030% | 455 |
| Loan loss allowance to noncurrent loans | 423.3926% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 1.0328% | 2,125 |
| Noncurrent loans to loans | 0.5676% | 3,474 |
| Net loans and leases to total assets | 73.0971% | 1,873 |
| Net loans and leases to deposits | 85.2897% | 2,207 |
| Net loans and leases to core deposits | 86.2607% | 2,776 |
| Total domestic deposits to total assets | 85.7045% | 2,771 |
| Equity capital to assets | 13.1610% | 1,273 |
| Core capital (leverage) ratio | 13.0948% | 1,111 |
| Tier 1 risk-based capital ratio | 12.5435% | 4,606 |
| Total risk-based capital ratio | 13.7995% | 4,494 |
| Memoranda: | ||
| Average total assets | $173,504,000 | 3,253 |
| Average earning assets | $161,924,600 | 3,229 |
| Average equity | $22,308,200 | 2,938 |
| Average total loans | $125,738,000 | 2,959 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 2,950 |
| Cost of funding earning assets | 0.2532% | 4,841 |
| Net interest margin | 3.8444% | 2,219 |
| Noninterest income to average assets | 0.5705% | 2,911 |
| Noninterest expense to average assets | 3.3154% | 1,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6019% | 4,376 |
| Return on assets (ROA) | 0.6019% | 4,483 |
| Pretax return on assets | 0.8411% | 4,201 |
| Return on Equity (ROE) | 4.7088% | 4,754 |
| Retained earnings to average equity (ytd only) | 3.9110% | 3,680 |
| Net charge-offs to loans | 0.5569% | 412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.1015% | 3,732 |
| Efficiency ratio | 79.7639% | 1,693 |
| Assets per employee ($millions) | 2.9568% | 5,595 |
| Cash dividends to net income (ytd only)* | 16.9428% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4453% | 471 |
| Loan loss allowance to noncurrent loans | 132.1189% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 2.3051% | 794 |
| Noncurrent loans to loans | 1.8508% | 1,263 |
| Net loans and leases to total assets | 73.3970% | 1,839 |
| Net loans and leases to deposits | 85.7782% | 2,167 |
| Net loans and leases to core deposits | 86.7578% | 2,777 |
| Total domestic deposits to total assets | 85.5661% | 2,753 |
| Equity capital to assets | 13.1866% | 1,359 |
| Core capital (leverage) ratio | 12.9561% | 1,216 |
| Tier 1 risk-based capital ratio | 12.2542% | 4,922 |
| Total risk-based capital ratio | 13.5100% | 4,814 |
| Memoranda: | ||
| Average total assets | $173,889,250 | 3,276 |
| Average earning assets | $162,205,250 | 3,249 |
| Average equity | $22,227,250 | 2,962 |
| Average total loans | $124,973,750 | 2,995 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 3,105 |
| Cost of funding earning assets | 0.2552% | 4,887 |
| Net interest margin | 3.7895% | 2,360 |
| Noninterest income to average assets | 0.5335% | 3,148 |
| Noninterest expense to average assets | 3.1943% | 1,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6240% | 4,242 |
| Return on assets (ROA) | 0.6240% | 4,352 |
| Pretax return on assets | 0.8758% | 4,046 |
| Return on Equity (ROE) | 4.9325% | 4,647 |
| Retained earnings to average equity (ytd only) | 3.7288% | 3,646 |
| Net charge-offs to loans | 0.3883% | 671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.1875% | 3,228 |
| Efficiency ratio | 78.4810% | 1,989 |
| Assets per employee ($millions) | 3.0762% | 5,502 |
| Cash dividends to net income (ytd only)* | 24.4037% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7245% | 362 |
| Loan loss allowance to noncurrent loans | 90.6143% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 2.5453% | 733 |
| Noncurrent loans to loans | 3.0067% | 660 |
| Net loans and leases to total assets | 69.9833% | 2,316 |
| Net loans and leases to deposits | 81.3482% | 2,631 |
| Net loans and leases to core deposits | 82.2506% | 3,150 |
| Total domestic deposits to total assets | 86.0293% | 2,683 |
| Equity capital to assets | 12.6909% | 1,556 |
| Core capital (leverage) ratio | 12.7313% | 1,281 |
| Tier 1 risk-based capital ratio | 12.5311% | 4,783 |
| Total risk-based capital ratio | 13.7893% | 4,700 |
| Memoranda: | ||
| Average total assets | $174,688,330 | 3,287 |
| Average earning assets | $163,030,330 | 3,260 |
| Average equity | $22,098,330 | 2,985 |
| Average total loans | $123,623,330 | 3,026 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9502% | 3,414 |
| Cost of funding earning assets | 0.2586% | 4,922 |
| Net interest margin | 3.6916% | 2,650 |
| Noninterest income to average assets | 0.5116% | 3,217 |
| Noninterest expense to average assets | 3.1888% | 2,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5506% | 4,478 |
| Return on assets (ROA) | 0.5506% | 4,592 |
| Pretax return on assets | 0.7616% | 4,386 |
| Return on Equity (ROE) | 4.3595% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.3595% | 3,400 |
| Net charge-offs to loans | 0.4315% | 571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.5152% | 2,740 |
| Efficiency ratio | 80.7201% | 1,796 |
| Assets per employee ($millions) | 3.2559% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8370% | 354 |
| Loan loss allowance to noncurrent loans | 69.1977% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 3.2528% | 540 |
| Noncurrent loans to loans | 4.0998% | 417 |
| Net loans and leases to total assets | 67.7999% | 2,479 |
| Net loans and leases to deposits | 78.3359% | 2,756 |
| Net loans and leases to core deposits | 79.1809% | 3,267 |
| Total domestic deposits to total assets | 86.5503% | 2,634 |
| Equity capital to assets | 12.4094% | 1,747 |
| Core capital (leverage) ratio | 12.7571% | 1,254 |
| Tier 1 risk-based capital ratio | 12.6085% | 4,835 |
| Total risk-based capital ratio | 13.8677% | 4,748 |
| Memoranda: | ||
| Average total assets | $174,359,500 | 3,308 |
| Average earning assets | $162,422,000 | 3,291 |
| Average equity | $22,021,000 | 3,017 |
| Average total loans | $122,360,000 | 3,053 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1949% | 2,972 |
| Cost of funding earning assets | 0.2872% | 4,929 |
| Net interest margin | 3.9077% | 2,208 |
| Noninterest income to average assets | 0.5266% | 3,314 |
| Noninterest expense to average assets | 3.5431% | 1,400 |
| Loan and lease loss provision to assets | -0.1190% | 6,179 |
| Net operating income to assets | 0.5011% | 4,805 |
| Return on assets (ROA) | 0.5011% | 4,893 |
| Pretax return on assets | 0.7058% | 4,603 |
| Return on Equity (ROE) | 3.9923% | 5,119 |
| Retained earnings to average equity (ytd only) | 2.7358% | 4,294 |
| Net charge-offs to loans | 0.0511% | 3,807 |
| Credit loss provision to net charge-offs | -327.8689% | 5,716 |
| Earnings coverage of net charge-offs (x) | 16.1639% | 2,034 |
| Efficiency ratio | 85.7925% | 1,193 |
| Assets per employee ($millions) | 2.9762% | 5,730 |
| Cash dividends to net income (ytd only)* | 31.4727% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0702% | 275 |
| Loan loss allowance to noncurrent loans | 66.8910% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 3.8516% | 450 |
| Noncurrent loans to loans | 4.5899% | 356 |
| Net loans and leases to total assets | 68.4288% | 2,499 |
| Net loans and leases to deposits | 79.5600% | 2,779 |
| Net loans and leases to core deposits | 80.4711% | 3,242 |
| Total domestic deposits to total assets | 86.0090% | 2,835 |
| Equity capital to assets | 12.8622% | 1,434 |
| Core capital (leverage) ratio | 12.9194% | 1,172 |
| Tier 1 risk-based capital ratio | 17.8943% | 2,176 |
| Total risk-based capital ratio | 19.1653% | 2,132 |
| Memoranda: | ||
| Average total assets | $168,044,200 | 3,366 |
| Average earning assets | $154,949,000 | 3,363 |
| Average equity | $21,090,800 | 3,043 |
| Average total loans | $119,424,200 | 3,056 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 2,897 |
| Cost of funding earning assets | 0.2944% | 4,930 |
| Net interest margin | 3.9329% | 2,104 |
| Noninterest income to average assets | 0.5631% | 3,114 |
| Noninterest expense to average assets | 3.4739% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5010% | 4,868 |
| Return on assets (ROA) | 0.5010% | 4,935 |
| Pretax return on assets | 0.7118% | 4,665 |
| Return on Equity (ROE) | 4.0174% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.1756% | 4,370 |
| Net charge-offs to loans | -0.1117% | 6,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9945% | 1,495 |
| Assets per employee ($millions) | 2.8738% | 5,881 |
| Cash dividends to net income (ytd only)* | 20.9529% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3965% | 248 |
| Loan loss allowance to noncurrent loans | 145.4611% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 2.4466% | 1,095 |
| Noncurrent loans to loans | 2.3350% | 1,280 |
| Net loans and leases to total assets | 68.9045% | 2,387 |
| Net loans and leases to deposits | 80.1656% | 2,664 |
| Net loans and leases to core deposits | 81.0996% | 3,192 |
| Total domestic deposits to total assets | 85.9527% | 2,867 |
| Equity capital to assets | 12.7808% | 1,540 |
| Core capital (leverage) ratio | 12.8760% | 1,236 |
| Tier 1 risk-based capital ratio | 17.8658% | 2,249 |
| Total risk-based capital ratio | 19.1421% | 2,205 |
| Memoranda: | ||
| Average total assets | $167,644,000 | 3,397 |
| Average earning assets | $154,419,750 | 3,395 |
| Average equity | $20,908,500 | 3,073 |
| Average total loans | $119,339,500 | 3,068 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2476% | 2,775 |
| Cost of funding earning assets | 0.3006% | 4,962 |
| Net interest margin | 3.9470% | 1,983 |
| Noninterest income to average assets | 0.5323% | 3,254 |
| Noninterest expense to average assets | 3.4186% | 1,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5192% | 4,728 |
| Return on assets (ROA) | 0.5192% | 4,824 |
| Pretax return on assets | 0.7406% | 4,495 |
| Return on Equity (ROE) | 4.1969% | 5,061 |
| Retained earnings to average equity (ytd only) | 2.9263% | 4,342 |
| Net charge-offs to loans | -0.3130% | 6,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1930% | 1,716 |
| Assets per employee ($millions) | 2.9744% | 5,789 |
| Cash dividends to net income (ytd only)* | 30.2752% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4302% | 254 |
| Loan loss allowance to noncurrent loans | 164.7364% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 2.5011% | 1,138 |
| Noncurrent loans to loans | 2.0822% | 1,605 |
| Net loans and leases to total assets | 69.7215% | 2,130 |
| Net loans and leases to deposits | 81.0314% | 2,381 |
| Net loans and leases to core deposits | 81.9752% | 2,975 |
| Total domestic deposits to total assets | 86.0426% | 3,019 |
| Equity capital to assets | 12.6636% | 1,560 |
| Core capital (leverage) ratio | 12.7416% | 1,270 |
| Tier 1 risk-based capital ratio | 17.4973% | 2,414 |
| Total risk-based capital ratio | 18.7735% | 2,381 |
| Memoranda: | ||
| Average total assets | $167,965,330 | 3,408 |
| Average earning assets | $154,345,670 | 3,406 |
| Average equity | $20,777,000 | 3,085 |
| Average total loans | $119,490,000 | 3,071 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1850% | 2,928 |
| Cost of funding earning assets | 0.3050% | 5,013 |
| Net interest margin | 3.8800% | 2,156 |
| Noninterest income to average assets | 0.5217% | 3,255 |
| Noninterest expense to average assets | 3.4506% | 1,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4482% | 4,941 |
| Return on assets (ROA) | 0.4482% | 5,010 |
| Pretax return on assets | 0.6308% | 4,721 |
| Return on Equity (ROE) | 3.6665% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.6665% | 3,936 |
| Net charge-offs to loans | -0.5273% | 6,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5439% | 1,608 |
| Assets per employee ($millions) | 3.0743% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3888% | 295 |
| Loan loss allowance to noncurrent loans | 153.4283% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 2.4426% | 1,317 |
| Noncurrent loans to loans | 2.2087% | 1,643 |
| Net loans and leases to total assets | 69.0452% | 2,050 |
| Net loans and leases to deposits | 79.7678% | 2,326 |
| Net loans and leases to core deposits | 80.6768% | 2,890 |
| Total domestic deposits to total assets | 86.5576% | 3,073 |
| Equity capital to assets | 12.3021% | 1,687 |
| Core capital (leverage) ratio | 12.4372% | 1,414 |
| Tier 1 risk-based capital ratio | 16.8066% | 2,772 |
| Total risk-based capital ratio | 18.0816% | 2,724 |
| Memoranda: | ||
| Average total assets | $168,666,000 | 3,429 |
| Average earning assets | $154,742,500 | 3,422 |
| Average equity | $20,619,000 | 3,107 |
| Average total loans | $119,107,000 | 3,091 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 2,994 |
| Cost of funding earning assets | 0.3754% | 4,887 |
| Net interest margin | 3.9162% | 2,233 |
| Noninterest income to average assets | 0.5411% | 3,465 |
| Noninterest expense to average assets | 3.1732% | 2,499 |
| Loan and lease loss provision to assets | 0.3078% | 1,084 |
| Net operating income to assets | 0.4578% | 4,919 |
| Return on assets (ROA) | 0.4578% | 5,051 |
| Pretax return on assets | 0.6437% | 4,726 |
| Return on Equity (ROE) | 3.8172% | 5,192 |
| Retained earnings to average equity (ytd only) | 2.9619% | 4,136 |
| Net charge-offs to loans | 1.5749% | 293 |
| Credit loss provision to net charge-offs | 27.7338% | 4,296 |
| Earnings coverage of net charge-offs (x) | 0.8574% | 4,802 |
| Efficiency ratio | 76.9329% | 2,631 |
| Assets per employee ($millions) | 2.9517% | 5,906 |
| Cash dividends to net income (ytd only)* | 22.4072% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3551% | 327 |
| Loan loss allowance to noncurrent loans | 143.7226% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 2.4749% | 1,391 |
| Noncurrent loans to loans | 2.3344% | 1,646 |
| Net loans and leases to total assets | 67.4223% | 2,453 |
| Net loans and leases to deposits | 77.7715% | 2,749 |
| Net loans and leases to core deposits | 78.6603% | 3,283 |
| Total domestic deposits to total assets | 86.6928% | 2,879 |
| Equity capital to assets | 12.1470% | 1,716 |
| Core capital (leverage) ratio | 11.9951% | 1,611 |
| Tier 1 risk-based capital ratio | 15.9020% | 3,146 |
| Total risk-based capital ratio | 17.1752% | 3,088 |
| Memoranda: | ||
| Average total assets | $170,583,200 | 3,400 |
| Average earning assets | $156,094,800 | 3,397 |
| Average equity | $20,460,000 | 3,106 |
| Average total loans | $120,198,000 | 3,032 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3404% | 2,831 |
| Cost of funding earning assets | 0.3931% | 4,878 |
| Net interest margin | 3.9473% | 2,124 |
| Noninterest income to average assets | 0.5375% | 3,534 |
| Noninterest expense to average assets | 3.0729% | 2,750 |
| Loan and lease loss provision to assets | 0.4089% | 727 |
| Net operating income to assets | 0.4650% | 4,952 |
| Return on assets (ROA) | 0.4650% | 5,099 |
| Pretax return on assets | 0.6613% | 4,815 |
| Return on Equity (ROE) | 3.8893% | 5,267 |
| Retained earnings to average equity (ytd only) | 3.4007% | 4,267 |
| Net charge-offs to loans | 0.4510% | 1,423 |
| Credit loss provision to net charge-offs | 128.3619% | 1,840 |
| Earnings coverage of net charge-offs (x) | 3.3594% | 3,727 |
| Efficiency ratio | 74.1681% | 3,036 |
| Assets per employee ($millions) | 2.8999% | 6,011 |
| Cash dividends to net income (ytd only)* | 12.5631% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5568% | 157 |
| Loan loss allowance to noncurrent loans | 106.5854% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 4.5846% | 648 |
| Noncurrent loans to loans | 4.2753% | 796 |
| Net loans and leases to total assets | 67.5205% | 2,368 |
| Net loans and leases to deposits | 77.8796% | 2,687 |
| Net loans and leases to core deposits | 78.9906% | 3,231 |
| Total domestic deposits to total assets | 86.6985% | 2,858 |
| Equity capital to assets | 12.2455% | 1,749 |
| Core capital (leverage) ratio | 12.0712% | 1,627 |
| Tier 1 risk-based capital ratio | 15.4083% | 3,514 |
| Total risk-based capital ratio | 16.6933% | 3,454 |
| Memoranda: | ||
| Average total assets | $171,167,250 | 3,423 |
| Average earning assets | $156,355,250 | 3,433 |
| Average equity | $20,465,750 | 3,142 |
| Average total loans | $120,904,000 | 3,043 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 2,699 |
| Cost of funding earning assets | 0.4165% | 4,790 |
| Net interest margin | 3.9476% | 2,052 |
| Noninterest income to average assets | 0.4624% | 4,076 |
| Noninterest expense to average assets | 2.9182% | 3,277 |
| Loan and lease loss provision to assets | 0.4356% | 673 |
| Net operating income to assets | 0.4322% | 5,097 |
| Return on assets (ROA) | 0.4322% | 5,253 |
| Pretax return on assets | 0.7203% | 4,617 |
| Return on Equity (ROE) | 3.6431% | 5,361 |
| Retained earnings to average equity (ytd only) | 2.9086% | 4,462 |
| Net charge-offs to loans | 1.4184% | 386 |
| Credit loss provision to net charge-offs | 43.5035% | 3,349 |
| Earnings coverage of net charge-offs (x) | 1.1543% | 4,153 |
| Efficiency ratio | 71.6282% | 3,531 |
| Assets per employee ($millions) | 3.0208% | 5,814 |
| Cash dividends to net income (ytd only)* | 20.1613% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0393% | 248 |
| Loan loss allowance to noncurrent loans | 86.3775% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 4.6623% | 685 |
| Noncurrent loans to loans | 4.6764% | 729 |
| Net loans and leases to total assets | 66.4872% | 2,509 |
| Net loans and leases to deposits | 76.2864% | 2,841 |
| Net loans and leases to core deposits | 77.2115% | 3,398 |
| Total domestic deposits to total assets | 87.1547% | 2,731 |
| Equity capital to assets | 11.8237% | 2,030 |
| Core capital (leverage) ratio | 11.6699% | 1,819 |
| Tier 1 risk-based capital ratio | 14.1897% | 4,302 |
| Total risk-based capital ratio | 15.4662% | 4,238 |
| Memoranda: | ||
| Average total assets | $172,159,000 | 3,430 |
| Average earning assets | $157,511,670 | 3,441 |
| Average equity | $20,422,330 | 3,165 |
| Average total loans | $121,543,330 | 3,036 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 3,007 |
| Cost of funding earning assets | 0.4402% | 4,702 |
| Net interest margin | 3.8347% | 2,334 |
| Noninterest income to average assets | 0.7017% | 2,578 |
| Noninterest expense to average assets | 3.1090% | 2,647 |
| Loan and lease loss provision to assets | 0.4066% | 754 |
| Net operating income to assets | 0.4717% | 4,811 |
| Return on assets (ROA) | 0.4717% | 4,978 |
| Pretax return on assets | 0.6878% | 4,629 |
| Return on Equity (ROE) | 3.9699% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.9699% | 3,855 |
| Net charge-offs to loans | 2.2598% | 196 |
| Credit loss provision to net charge-offs | 25.2525% | 2,960 |
| Earnings coverage of net charge-offs (x) | 0.6797% | 3,602 |
| Efficiency ratio | 73.9635% | 3,272 |
| Assets per employee ($millions) | 3.1766% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9749% | 292 |
| Loan loss allowance to noncurrent loans | 66.3066% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 5.7477% | 583 |
| Noncurrent loans to loans | 5.9947% | 555 |
| Net loans and leases to total assets | 66.2055% | 2,336 |
| Net loans and leases to deposits | 76.0745% | 2,628 |
| Net loans and leases to core deposits | 76.9838% | 3,209 |
| Total domestic deposits to total assets | 87.0272% | 2,944 |
| Equity capital to assets | 11.7616% | 2,210 |
| Core capital (leverage) ratio | 11.5524% | 1,843 |
| Tier 1 risk-based capital ratio | 13.0374% | 5,190 |
| Total risk-based capital ratio | 14.3107% | 5,125 |
| Memoranda: | ||
| Average total assets | $172,144,500 | 3,468 |
| Average earning assets | $157,194,500 | 3,482 |
| Average equity | $20,454,000 | 3,200 |
| Average total loans | $122,664,000 | 3,033 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5707% | 3,122 |
| Cost of funding earning assets | 0.5737% | 4,601 |
| Net interest margin | 3.9970% | 2,396 |
| Noninterest income to average assets | 0.8377% | 2,097 |
| Noninterest expense to average assets | 3.1265% | 2,854 |
| Loan and lease loss provision to assets | 0.9500% | 450 |
| Net operating income to assets | 0.3046% | 5,454 |
| Return on assets (ROA) | 0.3046% | 5,661 |
| Pretax return on assets | 0.4069% | 5,558 |
| Return on Equity (ROE) | 2.5802% | 5,720 |
| Retained earnings to average equity (ytd only) | 1.8373% | 4,929 |
| Net charge-offs to loans | 0.6273% | 1,869 |
| Credit loss provision to net charge-offs | 201.1139% | 1,289 |
| Earnings coverage of net charge-offs (x) | 2.8725% | 4,000 |
| Efficiency ratio | 69.7353% | 3,863 |
| Assets per employee ($millions) | 3.0832% | 5,873 |
| Cash dividends to net income (ytd only)* | 28.7908% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2492% | 238 |
| Loan loss allowance to noncurrent loans | 61.2349% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 6.7309% | 470 |
| Noncurrent loans to loans | 6.9392% | 465 |
| Net loans and leases to total assets | 70.5078% | 1,741 |
| Net loans and leases to deposits | 81.3616% | 2,097 |
| Net loans and leases to core deposits | 82.5366% | 2,711 |
| Total domestic deposits to total assets | 86.6597% | 3,021 |
| Equity capital to assets | 12.0058% | 2,046 |
| Core capital (leverage) ratio | 11.3679% | 1,965 |
| Tier 1 risk-based capital ratio | 12.1094% | 5,713 |
| Total risk-based capital ratio | 13.3857% | 5,661 |
| Memoranda: | ||
| Average total assets | $171,056,200 | 3,439 |
| Average earning assets | $156,016,600 | 3,448 |
| Average equity | $20,192,400 | 3,183 |
| Average total loans | $128,809,000 | 2,905 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 3,132 |
| Cost of funding earning assets | 0.6060% | 4,584 |
| Net interest margin | 4.0142% | 2,453 |
| Noninterest income to average assets | 0.8221% | 2,151 |
| Noninterest expense to average assets | 3.0613% | 3,011 |
| Loan and lease loss provision to assets | 1.0111% | 400 |
| Net operating income to assets | 0.3103% | 5,583 |
| Return on assets (ROA) | 0.3103% | 5,787 |
| Pretax return on assets | 0.4130% | 5,689 |
| Return on Equity (ROE) | 2.6401% | 5,823 |
| Retained earnings to average equity (ytd only) | 2.1438% | 5,256 |
| Net charge-offs to loans | 0.5003% | 2,116 |
| Credit loss provision to net charge-offs | 266.9405% | 1,026 |
| Earnings coverage of net charge-offs (x) | 3.7597% | 3,522 |
| Efficiency ratio | 68.2504% | 4,008 |
| Assets per employee ($millions) | 3.0932% | 5,870 |
| Cash dividends to net income (ytd only)* | 18.7973% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2391% | 254 |
| Loan loss allowance to noncurrent loans | 50.4952% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 7.2959% | 475 |
| Noncurrent loans to loans | 8.3950% | 359 |
| Net loans and leases to total assets | 70.4028% | 1,828 |
| Net loans and leases to deposits | 81.1634% | 2,228 |
| Net loans and leases to core deposits | 82.3175% | 2,923 |
| Total domestic deposits to total assets | 86.7420% | 2,829 |
| Equity capital to assets | 11.9478% | 2,303 |
| Core capital (leverage) ratio | 11.2326% | 2,188 |
| Tier 1 risk-based capital ratio | 12.3603% | 5,728 |
| Total risk-based capital ratio | 13.6369% | 5,684 |
| Memoranda: | ||
| Average total assets | $171,426,000 | 3,462 |
| Average earning assets | $156,441,250 | 3,477 |
| Average equity | $20,150,750 | 3,214 |
| Average total loans | $129,793,500 | 2,920 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6577% | 3,107 |
| Cost of funding earning assets | 0.6284% | 4,647 |
| Net interest margin | 4.0293% | 2,386 |
| Noninterest income to average assets | 0.6657% | 2,864 |
| Noninterest expense to average assets | 3.0001% | 3,254 |
| Loan and lease loss provision to assets | 0.9892% | 449 |
| Net operating income to assets | 0.2758% | 5,688 |
| Return on assets (ROA) | 0.2758% | 5,883 |
| Pretax return on assets | 0.3549% | 5,815 |
| Return on Equity (ROE) | 2.3591% | 5,931 |
| Retained earnings to average equity (ytd only) | 1.6126% | 5,401 |
| Net charge-offs to loans | 0.2664% | 2,986 |
| Credit loss provision to net charge-offs | 485.7143% | 620 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,610 |
| Efficiency ratio | 69.0597% | 3,927 |
| Assets per employee ($millions) | 2.9317% | 6,180 |
| Cash dividends to net income (ytd only)* | 31.6456% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0163% | 340 |
| Loan loss allowance to noncurrent loans | 47.8458% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 7.4643% | 488 |
| Noncurrent loans to loans | 8.3943% | 389 |
| Net loans and leases to total assets | 71.3482% | 1,671 |
| Net loans and leases to deposits | 81.8853% | 2,125 |
| Net loans and leases to core deposits | 82.8796% | 2,843 |
| Total domestic deposits to total assets | 87.1319% | 2,697 |
| Equity capital to assets | 11.6581% | 2,446 |
| Core capital (leverage) ratio | 11.2627% | 2,075 |
| Tier 1 risk-based capital ratio | 13.2302% | 5,015 |
| Total risk-based capital ratio | 14.5077% | 4,968 |
| Memoranda: | ||
| Average total assets | $171,860,000 | 3,474 |
| Average earning assets | $156,901,670 | 3,484 |
| Average equity | $20,092,330 | 3,208 |
| Average total loans | $131,366,670 | 2,905 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7578% | 2,819 |
| Cost of funding earning assets | 0.6683% | 4,552 |
| Net interest margin | 4.0895% | 2,143 |
| Noninterest income to average assets | 0.5767% | 3,362 |
| Noninterest expense to average assets | 3.0052% | 3,224 |
| Loan and lease loss provision to assets | 0.9340% | 464 |
| Net operating income to assets | 0.2825% | 5,713 |
| Return on assets (ROA) | 0.2825% | 5,877 |
| Pretax return on assets | 0.3666% | 5,816 |
| Return on Equity (ROE) | 2.4132% | 5,938 |
| Retained earnings to average equity (ytd only) | 2.4132% | 5,059 |
| Net charge-offs to loans | 0.6839% | 1,449 |
| Credit loss provision to net charge-offs | 176.2115% | 1,455 |
| Earnings coverage of net charge-offs (x) | 2.4537% | 3,196 |
| Efficiency ratio | 69.7939% | 3,853 |
| Assets per employee ($millions) | 3.0332% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5129% | 530 |
| Loan loss allowance to noncurrent loans | 50.3130% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 6.5607% | 682 |
| Noncurrent loans to loans | 6.9821% | 640 |
| Net loans and leases to total assets | 72.7857% | 1,259 |
| Net loans and leases to deposits | 83.2492% | 1,762 |
| Net loans and leases to core deposits | 84.4723% | 2,485 |
| Total domestic deposits to total assets | 87.4311% | 2,700 |
| Equity capital to assets | 11.4423% | 2,491 |
| Core capital (leverage) ratio | 11.2568% | 2,072 |
| Tier 1 risk-based capital ratio | 12.5961% | 5,523 |
| Total risk-based capital ratio | 13.8687% | 5,477 |
| Memoranda: | ||
| Average total assets | $171,305,000 | 3,497 |
| Average earning assets | $156,206,500 | 3,510 |
| Average equity | $20,056,000 | 3,219 |
| Average total loans | $132,762,500 | 2,894 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0623% | 2,598 |
| Cost of funding earning assets | 0.8018% | 4,855 |
| Net interest margin | 4.2606% | 1,840 |
| Noninterest income to average assets | 0.5600% | 3,431 |
| Noninterest expense to average assets | 2.9354% | 3,821 |
| Loan and lease loss provision to assets | 2.0631% | 272 |
| Net operating income to assets | -0.3159% | 6,356 |
| Return on assets (ROA) | -0.3159% | 6,408 |
| Pretax return on assets | -0.5388% | 6,514 |
| Return on Equity (ROE) | -2.6262% | 6,379 |
| Retained earnings to average equity (ytd only) | -3.2533% | 6,306 |
| Net charge-offs to loans | 3.0450% | 313 |
| Credit loss provision to net charge-offs | 85.2827% | 4,230 |
| Earnings coverage of net charge-offs (x) | 0.6301% | 5,352 |
| Efficiency ratio | 65.8208% | 4,807 |
| Assets per employee ($millions) | 2.8739% | 6,331 |
| Cash dividends to net income (ytd only)* | -23.8806% | 7,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3799% | 581 |
| Loan loss allowance to noncurrent loans | 57.1192% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 6.0570% | 805 |
| Noncurrent loans to loans | 5.9173% | 849 |
| Net loans and leases to total assets | 76.9870% | 824 |
| Net loans and leases to deposits | 88.6835% | 1,298 |
| Net loans and leases to core deposits | 90.2274% | 2,096 |
| Total domestic deposits to total assets | 86.8110% | 2,869 |
| Equity capital to assets | 11.9880% | 2,137 |
| Core capital (leverage) ratio | 11.9319% | 1,638 |
| Tier 1 risk-based capital ratio | 14.2588% | 4,141 |
| Total risk-based capital ratio | 15.5333% | 4,086 |
| Memoranda: | ||
| Average total assets | $169,650,400 | 3,495 |
| Average earning assets | $155,285,000 | 3,488 |
| Average equity | $20,409,800 | 3,082 |
| Average total loans | $134,776,400 | 2,903 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0321% | 2,929 |
| Cost of funding earning assets | 0.8324% | 4,928 |
| Net interest margin | 4.1997% | 2,103 |
| Noninterest income to average assets | 0.5258% | 3,690 |
| Noninterest expense to average assets | 2.9312% | 3,797 |
| Loan and lease loss provision to assets | 1.9171% | 294 |
| Net operating income to assets | -0.2645% | 6,451 |
| Return on assets (ROA) | -0.2645% | 6,520 |
| Pretax return on assets | -0.4695% | 6,601 |
| Return on Equity (ROE) | -2.1965% | 6,496 |
| Retained earnings to average equity (ytd only) | -3.0284% | 6,423 |
| Net charge-offs to loans | 3.2409% | 268 |
| Credit loss provision to net charge-offs | 74.5134% | 4,340 |
| Earnings coverage of net charge-offs (x) | 0.5627% | 5,205 |
| Efficiency ratio | 66.9407% | 4,537 |
| Assets per employee ($millions) | 2.8836% | 6,344 |
| Cash dividends to net income (ytd only)* | -37.8689% | 7,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1851% | 733 |
| Loan loss allowance to noncurrent loans | 51.1295% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 6.2762% | 834 |
| Noncurrent loans to loans | 6.2295% | 874 |
| Net loans and leases to total assets | 77.3309% | 797 |
| Net loans and leases to deposits | 89.1837% | 1,298 |
| Net loans and leases to core deposits | 90.7271% | 2,159 |
| Total domestic deposits to total assets | 86.7097% | 2,814 |
| Equity capital to assets | 12.0771% | 2,193 |
| Core capital (leverage) ratio | 11.4972% | 2,027 |
| Tier 1 risk-based capital ratio | 13.8273% | 4,479 |
| Total risk-based capital ratio | 15.0993% | 4,418 |
| Memoranda: | ||
| Average total assets | $170,392,000 | 3,511 |
| Average earning assets | $156,324,750 | 3,494 |
| Average equity | $20,516,750 | 3,074 |
| Average total loans | $135,267,000 | 2,914 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0310% | 3,008 |
| Cost of funding earning assets | 0.8687% | 4,913 |
| Net interest margin | 4.1623% | 2,178 |
| Noninterest income to average assets | 0.4806% | 4,023 |
| Noninterest expense to average assets | 2.9760% | 3,732 |
| Loan and lease loss provision to assets | 1.0406% | 817 |
| Net operating income to assets | 0.2228% | 5,654 |
| Return on assets (ROA) | 0.2228% | 5,773 |
| Pretax return on assets | 0.2928% | 5,685 |
| Return on Equity (ROE) | 1.8523% | 5,844 |
| Retained earnings to average equity (ytd only) | 0.6110% | 5,615 |
| Net charge-offs to loans | 1.9437% | 698 |
| Credit loss provision to net charge-offs | 67.5758% | 4,128 |
| Earnings coverage of net charge-offs (x) | 0.8659% | 4,644 |
| Efficiency ratio | 69.0579% | 4,319 |
| Assets per employee ($millions) | 2.9522% | 6,186 |
| Cash dividends to net income (ytd only)* | 67.0157% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4504% | 618 |
| Loan loss allowance to noncurrent loans | 53.7257% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 6.0003% | 937 |
| Noncurrent loans to loans | 6.4223% | 878 |
| Net loans and leases to total assets | 76.2359% | 1,046 |
| Net loans and leases to deposits | 87.9195% | 1,512 |
| Net loans and leases to core deposits | 90.0763% | 2,365 |
| Total domestic deposits to total assets | 86.7111% | 2,914 |
| Equity capital to assets | 12.0888% | 2,036 |
| Core capital (leverage) ratio | 11.9351% | 1,638 |
| Tier 1 risk-based capital ratio | 13.7095% | 4,378 |
| Total risk-based capital ratio | 14.9825% | 4,333 |
| Memoranda: | ||
| Average total assets | $171,439,330 | 3,505 |
| Average earning assets | $157,703,000 | 3,487 |
| Average equity | $20,622,670 | 3,048 |
| Average total loans | $135,825,670 | 2,933 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9564% | 3,303 |
| Cost of funding earning assets | 0.9108% | 4,848 |
| Net interest margin | 4.0456% | 2,490 |
| Noninterest income to average assets | 0.4897% | 3,972 |
| Noninterest expense to average assets | 3.0219% | 3,548 |
| Loan and lease loss provision to assets | 0.9327% | 850 |
| Net operating income to assets | 0.2145% | 5,736 |
| Return on assets (ROA) | 0.2145% | 5,799 |
| Pretax return on assets | 0.2635% | 5,765 |
| Return on Equity (ROE) | 1.7878% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.7878% | 5,047 |
| Net charge-offs to loans | 0.4789% | 2,276 |
| Credit loss provision to net charge-offs | 245.3988% | 1,279 |
| Earnings coverage of net charge-offs (x) | 3.1472% | 2,837 |
| Efficiency ratio | 71.6418% | 3,935 |
| Assets per employee ($millions) | 2.8839% | 6,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9590% | 429 |
| Loan loss allowance to noncurrent loans | 55.0165% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 6.6155% | 830 |
| Noncurrent loans to loans | 7.1960% | 748 |
| Net loans and leases to total assets | 74.7261% | 1,232 |
| Net loans and leases to deposits | 85.9553% | 1,734 |
| Net loans and leases to core deposits | 88.1823% | 2,572 |
| Total domestic deposits to total assets | 86.9359% | 2,979 |
| Equity capital to assets | 11.9192% | 1,967 |
| Core capital (leverage) ratio | 11.9934% | 1,575 |
| Tier 1 risk-based capital ratio | 12.8932% | 4,909 |
| Total risk-based capital ratio | 14.1692% | 4,869 |
| Memoranda: | ||
| Average total assets | $171,546,500 | 3,527 |
| Average earning assets | $158,097,500 | 3,499 |
| Average equity | $20,584,500 | 3,041 |
| Average total loans | $136,138,500 | 2,965 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5110% | 2,236 |
| Cost of funding earning assets | 1.1543% | 4,826 |
| Net interest margin | 4.3567% | 1,628 |
| Noninterest income to average assets | 0.5638% | 3,714 |
| Noninterest expense to average assets | 2.9812% | 3,921 |
| Loan and lease loss provision to assets | 1.0887% | 1,472 |
| Net operating income to assets | 0.3313% | 4,823 |
| Return on assets (ROA) | 0.3313% | 4,981 |
| Pretax return on assets | 0.4608% | 4,762 |
| Return on Equity (ROE) | 2.7486% | 5,058 |
| Retained earnings to average equity (ytd only) | 1.7380% | 4,640 |
| Net charge-offs to loans | 1.2274% | 1,827 |
| Credit loss provision to net charge-offs | 106.5668% | 4,183 |
| Earnings coverage of net charge-offs (x) | 1.5167% | 4,614 |
| Efficiency ratio | 65.8008% | 5,008 |
| Assets per employee ($millions) | 2.8824% | 6,371 |
| Cash dividends to net income (ytd only)* | 36.7673% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7000% | 513 |
| Loan loss allowance to noncurrent loans | 54.4706% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 6.7011% | 839 |
| Noncurrent loans to loans | 6.7927% | 848 |
| Net loans and leases to total assets | 77.9450% | 950 |
| Net loans and leases to deposits | 89.8348% | 1,549 |
| Net loans and leases to core deposits | 92.0661% | 2,493 |
| Total domestic deposits to total assets | 86.7647% | 2,944 |
| Equity capital to assets | 12.0810% | 1,863 |
| Core capital (leverage) ratio | 11.9682% | 1,572 |
| Tier 1 risk-based capital ratio | 12.6024% | 4,933 |
| Total risk-based capital ratio | 13.8758% | 4,897 |
| Memoranda: | ||
| Average total assets | $169,930,600 | 3,537 |
| Average earning assets | $154,727,400 | 3,554 |
| Average equity | $20,483,200 | 3,077 |
| Average total loans | $141,432,800 | 2,919 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5762% | 2,157 |
| Cost of funding earning assets | 1.2077% | 4,823 |
| Net interest margin | 4.3685% | 1,620 |
| Noninterest income to average assets | 0.6200% | 3,314 |
| Noninterest expense to average assets | 2.9146% | 4,029 |
| Loan and lease loss provision to assets | 1.0594% | 1,391 |
| Net operating income to assets | 0.4261% | 4,640 |
| Return on assets (ROA) | 0.4261% | 4,817 |
| Pretax return on assets | 0.6145% | 4,551 |
| Return on Equity (ROE) | 3.5372% | 4,987 |
| Retained earnings to average equity (ytd only) | 2.8597% | 4,420 |
| Net charge-offs to loans | 0.7641% | 2,515 |
| Credit loss provision to net charge-offs | 165.4412% | 2,265 |
| Earnings coverage of net charge-offs (x) | 2.6140% | 3,844 |
| Efficiency ratio | 63.5198% | 5,340 |
| Assets per employee ($millions) | 2.8102% | 6,564 |
| Cash dividends to net income (ytd only)* | 19.1525% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9311% | 391 |
| Loan loss allowance to noncurrent loans | 75.5412% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 5.8205% | 1,040 |
| Noncurrent loans to loans | 5.2039% | 1,307 |
| Net loans and leases to total assets | 79.9045% | 766 |
| Net loans and leases to deposits | 92.4821% | 1,387 |
| Net loans and leases to core deposits | 94.1864% | 2,504 |
| Total domestic deposits to total assets | 86.4000% | 2,853 |
| Equity capital to assets | 12.3166% | 1,960 |
| Core capital (leverage) ratio | 12.0830% | 1,625 |
| Tier 1 risk-based capital ratio | 13.4814% | 4,219 |
| Total risk-based capital ratio | 14.7608% | 4,153 |
| Memoranda: | ||
| Average total assets | $169,898,000 | 3,583 |
| Average earning assets | $154,342,250 | 3,617 |
| Average equity | $20,467,750 | 3,128 |
| Average total loans | $142,379,250 | 2,932 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5715% | 2,247 |
| Cost of funding earning assets | 1.2500% | 4,826 |
| Net interest margin | 4.3214% | 1,701 |
| Noninterest income to average assets | 0.5213% | 3,946 |
| Noninterest expense to average assets | 2.9132% | 4,028 |
| Loan and lease loss provision to assets | 1.0568% | 1,369 |
| Net operating income to assets | 0.3358% | 5,045 |
| Return on assets (ROA) | 0.3358% | 5,199 |
| Pretax return on assets | 0.4767% | 4,977 |
| Return on Equity (ROE) | 2.8083% | 5,322 |
| Retained earnings to average equity (ytd only) | 1.7871% | 4,969 |
| Net charge-offs to loans | 0.9574% | 1,925 |
| Credit loss provision to net charge-offs | 131.3869% | 3,064 |
| Earnings coverage of net charge-offs (x) | 1.9066% | 4,095 |
| Efficiency ratio | 65.5136% | 5,064 |
| Assets per employee ($millions) | 2.9067% | 6,341 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6398% | 495 |
| Loan loss allowance to noncurrent loans | 62.0921% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 6.3558% | 897 |
| Noncurrent loans to loans | 5.8619% | 1,104 |
| Net loans and leases to total assets | 80.1798% | 765 |
| Net loans and leases to deposits | 92.3504% | 1,476 |
| Net loans and leases to core deposits | 94.2067% | 2,681 |
| Total domestic deposits to total assets | 86.8213% | 2,639 |
| Equity capital to assets | 11.9262% | 2,142 |
| Core capital (leverage) ratio | 11.8435% | 1,733 |
| Tier 1 risk-based capital ratio | 13.8984% | 3,800 |
| Total risk-based capital ratio | 15.1766% | 3,745 |
| Memoranda: | ||
| Average total assets | $170,327,330 | 3,595 |
| Average earning assets | $154,716,670 | 3,623 |
| Average equity | $20,368,000 | 3,130 |
| Average total loans | $143,092,330 | 2,956 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5343% | 2,437 |
| Cost of funding earning assets | 1.2993% | 4,818 |
| Net interest margin | 4.2350% | 1,910 |
| Noninterest income to average assets | 0.4760% | 4,237 |
| Noninterest expense to average assets | 2.9174% | 3,990 |
| Loan and lease loss provision to assets | 1.0604% | 1,165 |
| Net operating income to assets | 0.2545% | 5,478 |
| Return on assets (ROA) | 0.2545% | 5,603 |
| Pretax return on assets | 0.3464% | 5,469 |
| Return on Equity (ROE) | 2.1254% | 5,716 |
| Retained earnings to average equity (ytd only) | 2.1254% | 4,861 |
| Net charge-offs to loans | 0.8123% | 1,906 |
| Credit loss provision to net charge-offs | 154.6392% | 2,314 |
| Earnings coverage of net charge-offs (x) | 2.0515% | 3,517 |
| Efficiency ratio | 67.4659% | 4,823 |
| Assets per employee ($millions) | 2.8202% | 6,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5882% | 509 |
| Loan loss allowance to noncurrent loans | 53.8857% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 7.2649% | 724 |
| Noncurrent loans to loans | 6.6589% | 930 |
| Net loans and leases to total assets | 81.5869% | 636 |
| Net loans and leases to deposits | 94.1622% | 1,329 |
| Net loans and leases to core deposits | 96.0790% | 2,580 |
| Total domestic deposits to total assets | 86.6451% | 2,820 |
| Equity capital to assets | 12.0441% | 2,019 |
| Core capital (leverage) ratio | 12.0635% | 1,621 |
| Tier 1 risk-based capital ratio | 13.5689% | 3,946 |
| Total risk-based capital ratio | 14.8468% | 3,891 |
| Memoranda: | ||
| Average total assets | $169,742,500 | 3,663 |
| Average earning assets | $154,239,000 | 3,685 |
| Average equity | $20,325,500 | 3,166 |
| Average total loans | $143,288,500 | 3,019 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7753% | 2,764 |
| Cost of funding earning assets | 1.6609% | 4,725 |
| Net interest margin | 4.1143% | 2,391 |
| Noninterest income to average assets | 0.6609% | 3,214 |
| Noninterest expense to average assets | 2.9014% | 4,525 |
| Loan and lease loss provision to assets | 1.2156% | 1,890 |
| Net operating income to assets | 0.2146% | 4,853 |
| Return on assets (ROA) | 0.2146% | 4,913 |
| Pretax return on assets | 0.2935% | 4,774 |
| Return on Equity (ROE) | 1.8541% | 4,962 |
| Retained earnings to average equity (ytd only) | 0.5690% | 4,584 |
| Net charge-offs to loans | 0.3748% | 4,338 |
| Credit loss provision to net charge-offs | 392.8440% | 810 |
| Earnings coverage of net charge-offs (x) | 4.8771% | 2,775 |
| Efficiency ratio | 65.7827% | 5,434 |
| Assets per employee ($millions) | 2.7464% | 6,760 |
| Cash dividends to net income (ytd only)* | 69.3122% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4725% | 543 |
| Loan loss allowance to noncurrent loans | 63.2816% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 6.0890% | 921 |
| Noncurrent loans to loans | 5.4873% | 1,182 |
| Net loans and leases to total assets | 81.2843% | 795 |
| Net loans and leases to deposits | 96.5410% | 1,265 |
| Net loans and leases to core deposits | 111.9862% | 2,696 |
| Total domestic deposits to total assets | 84.1966% | 3,941 |
| Equity capital to assets | 11.9049% | 2,080 |
| Core capital (leverage) ratio | 11.6832% | 1,824 |
| Tier 1 risk-based capital ratio | 13.4399% | 3,860 |
| Total risk-based capital ratio | 14.7158% | 3,790 |
| Memoranda: | ||
| Average total assets | $176,121,400 | 3,500 |
| Average earning assets | $160,511,600 | 3,513 |
| Average equity | $20,387,600 | 3,149 |
| Average total loans | $145,403,800 | 2,995 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7275% | 3,205 |
| Cost of funding earning assets | 1.7226% | 4,787 |
| Net interest margin | 4.0049% | 2,796 |
| Noninterest income to average assets | 0.6712% | 3,210 |
| Noninterest expense to average assets | 2.8373% | 4,732 |
| Loan and lease loss provision to assets | 1.1983% | 1,623 |
| Net operating income to assets | 0.2080% | 5,122 |
| Return on assets (ROA) | 0.2080% | 5,211 |
| Pretax return on assets | 0.2891% | 5,092 |
| Return on Equity (ROE) | 1.8089% | 5,228 |
| Retained earnings to average equity (ytd only) | 0.9534% | 4,778 |
| Net charge-offs to loans | 0.3034% | 4,135 |
| Credit loss provision to net charge-offs | 480.7229% | 820 |
| Earnings coverage of net charge-offs (x) | 5.9668% | 2,695 |
| Efficiency ratio | 65.6076% | 5,443 |
| Assets per employee ($millions) | 2.8394% | 6,560 |
| Cash dividends to net income (ytd only)* | 47.2923% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1543% | 588 |
| Loan loss allowance to noncurrent loans | 68.2279% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 5.1827% | 1,122 |
| Noncurrent loans to loans | 4.6232% | 1,494 |
| Net loans and leases to total assets | 79.7598% | 1,220 |
| Net loans and leases to deposits | 94.1122% | 1,868 |
| Net loans and leases to core deposits | 108.5046% | 3,409 |
| Total domestic deposits to total assets | 84.7497% | 3,344 |
| Equity capital to assets | 11.3785% | 2,691 |
| Core capital (leverage) ratio | 11.5391% | 2,054 |
| Tier 1 risk-based capital ratio | 12.4742% | 4,561 |
| Total risk-based capital ratio | 13.7444% | 4,499 |
| Memoranda: | ||
| Average total assets | $177,583,250 | 3,501 |
| Average earning assets | $161,999,000 | 3,513 |
| Average equity | $20,416,750 | 3,180 |
| Average total loans | $145,908,500 | 3,019 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7623% | 3,237 |
| Cost of funding earning assets | 1.7503% | 5,009 |
| Net interest margin | 4.0120% | 2,650 |
| Noninterest income to average assets | 0.7203% | 2,863 |
| Noninterest expense to average assets | 2.8857% | 4,554 |
| Loan and lease loss provision to assets | 0.5080% | 2,996 |
| Net operating income to assets | 0.6616% | 3,421 |
| Return on assets (ROA) | 0.6616% | 3,532 |
| Pretax return on assets | 0.9754% | 3,094 |
| Return on Equity (ROE) | 5.7345% | 3,772 |
| Retained earnings to average equity (ytd only) | 4.4526% | 2,817 |
| Net charge-offs to loans | 0.2173% | 4,143 |
| Credit loss provision to net charge-offs | 284.8101% | 1,646 |
| Earnings coverage of net charge-offs (x) | 8.3165% | 2,280 |
| Efficiency ratio | 66.0465% | 5,541 |
| Assets per employee ($millions) | 2.6934% | 6,847 |
| Cash dividends to net income (ytd only)* | 22.3549% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5020% | 895 |
| Loan loss allowance to noncurrent loans | 51.2338% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 5.3927% | 939 |
| Noncurrent loans to loans | 4.8835% | 1,277 |
| Net loans and leases to total assets | 81.7988% | 990 |
| Net loans and leases to deposits | 102.9363% | 998 |
| Net loans and leases to core deposits | 119.0655% | 2,449 |
| Total domestic deposits to total assets | 79.4655% | 5,662 |
| Equity capital to assets | 11.7718% | 2,342 |
| Core capital (leverage) ratio | 11.6565% | 1,998 |
| Tier 1 risk-based capital ratio | 12.4745% | 4,539 |
| Total risk-based capital ratio | 13.7365% | 4,456 |
| Memoranda: | ||
| Average total assets | $177,150,330 | 3,522 |
| Average earning assets | $161,115,000 | 3,539 |
| Average equity | $20,437,670 | 3,180 |
| Average total loans | $145,437,000 | 3,061 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7958% | 3,330 |
| Cost of funding earning assets | 1.7544% | 5,341 |
| Net interest margin | 4.0414% | 2,487 |
| Noninterest income to average assets | 0.7475% | 2,615 |
| Noninterest expense to average assets | 2.8082% | 4,521 |
| Loan and lease loss provision to assets | 0.4041% | 2,902 |
| Net operating income to assets | 0.7947% | 3,151 |
| Return on assets (ROA) | 0.7947% | 3,313 |
| Pretax return on assets | 1.1808% | 2,686 |
| Return on Equity (ROE) | 6.9575% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.9575% | 2,227 |
| Net charge-offs to loans | 0.2018% | 3,425 |
| Credit loss provision to net charge-offs | 246.5753% | 1,901 |
| Earnings coverage of net charge-offs (x) | 9.6712% | 2,031 |
| Efficiency ratio | 63.9244% | 5,701 |
| Assets per employee ($millions) | 2.7638% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4223% | 824 |
| Loan loss allowance to noncurrent loans | 39.7268% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 6.2664% | 613 |
| Noncurrent loans to loans | 6.0974% | 777 |
| Net loans and leases to total assets | 79.4816% | 1,482 |
| Net loans and leases to deposits | 99.4919% | 1,477 |
| Net loans and leases to core deposits | 120.3625% | 2,388 |
| Total domestic deposits to total assets | 79.8875% | 5,409 |
| Equity capital to assets | 11.6214% | 2,505 |
| Core capital (leverage) ratio | 11.6387% | 2,076 |
| Tier 1 risk-based capital ratio | 13.0745% | 4,139 |
| Total risk-based capital ratio | 14.3364% | 4,039 |
| Memoranda: | ||
| Average total assets | $178,190,000 | 3,541 |
| Average earning assets | $160,737,500 | 3,556 |
| Average equity | $20,352,000 | 3,214 |
| Average total loans | $144,715,000 | 3,094 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4970% | 2,973 |
| Cost of funding earning assets | 2.5366% | 4,018 |
| Net interest margin | 3.9604% | 3,307 |
| Noninterest income to average assets | 0.6234% | 3,688 |
| Noninterest expense to average assets | 2.9119% | 4,409 |
| Loan and lease loss provision to assets | 1.0351% | 1,417 |
| Net operating income to assets | 0.2117% | 5,812 |
| Return on assets (ROA) | 0.2117% | 5,630 |
| Pretax return on assets | 0.2909% | 5,528 |
| Return on Equity (ROE) | 1.9022% | 5,647 |
| Retained earnings to average equity (ytd only) | 0.4581% | 4,966 |
| Net charge-offs to loans | 0.7381% | 1,677 |
| Credit loss provision to net charge-offs | 173.9292% | 2,928 |
| Earnings coverage of net charge-offs (x) | 2.2281% | 4,964 |
| Efficiency ratio | 68.7108% | 4,593 |
| Assets per employee ($millions) | 2.8952% | 6,325 |
| Cash dividends to net income (ytd only)* | 75.9162% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3274% | 822 |
| Loan loss allowance to noncurrent loans | 47.5541% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 5.2897% | 630 |
| Noncurrent loans to loans | 4.8943% | 918 |
| Net loans and leases to total assets | 79.0919% | 1,868 |
| Net loans and leases to deposits | 98.7961% | 2,013 |
| Net loans and leases to core deposits | 118.3557% | 2,848 |
| Total domestic deposits to total assets | 80.0557% | 4,997 |
| Equity capital to assets | 11.2245% | 2,867 |
| Core capital (leverage) ratio | 11.2940% | 2,374 |
| Tier 1 risk-based capital ratio | 13.9170% | 3,585 |
| Total risk-based capital ratio | 15.1805% | 3,499 |
| Memoranda: | ||
| Average total assets | $180,468,400 | 3,400 |
| Average earning assets | $164,707,600 | 3,406 |
| Average equity | $20,081,800 | 3,219 |
| Average total loans | $145,509,200 | 2,999 |