Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0058% | 1,155 |
| Cost of funding earning assets | 1.2419% | 3,726 |
| Net interest margin | 4.7639% | 438 |
| Noninterest income to average assets | 0.9600% | 638 |
| Noninterest expense to average assets | 3.2431% | 770 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 2.0458% | 416 |
| Return on assets (ROA) | 2.0458% | 413 |
| Pretax return on assets | 2.0458% | 601 |
| Return on Equity (ROE) | 17.5600% | 655 |
| Retained earnings to average equity (ytd only) | -3.7489% | 4,257 |
| Net charge-offs to loans | 0.3069% | 362 |
| Credit loss provision to net charge-offs | 47.4249% | 1,834 |
| Earnings coverage of net charge-offs (x) | 10.3777% | 1,982 |
| Efficiency ratio | 60.2041% | 3,189 |
| Assets per employee ($millions) | 3.7217% | 4,220 |
| Cash dividends to net income (ytd only)* | 121.3434% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 1,849 |
| Loan loss allowance to noncurrent loans | 199.1178% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.7376% | 898 |
| Noncurrent loans to loans | 0.6404% | 1,446 |
| Net loans and leases to total assets | 65.4200% | 2,408 |
| Net loans and leases to deposits | 74.9229% | 2,626 |
| Net loans and leases to core deposits | 80.9973% | 2,746 |
| Total domestic deposits to total assets | 87.3200% | 1,532 |
| Equity capital to assets | 11.5786% | 1,316 |
| Core capital (leverage) ratio | 13.1287% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3524% | 572 |
| Memoranda: | ||
| Average total assets | $451,178,000 | 1,885 |
| Average earning assets | $419,026,000 | 1,882 |
| Average equity | $52,548,333 | 1,634 |
| Average total loans | $303,678,333 | 1,834 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8909% | 1,209 |
| Cost of funding earning assets | 1.1787% | 3,761 |
| Net interest margin | 4.7121% | 459 |
| Noninterest income to average assets | 1.0100% | 548 |
| Noninterest expense to average assets | 3.2650% | 759 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 2.0225% | 428 |
| Return on assets (ROA) | 2.0225% | 434 |
| Pretax return on assets | 2.0225% | 622 |
| Return on Equity (ROE) | 17.3100% | 687 |
| Retained earnings to average equity (ytd only) | -13.1415% | 4,372 |
| Net charge-offs to loans | 0.0485% | 1,046 |
| Credit loss provision to net charge-offs | 300.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 64.4595% | 859 |
| Efficiency ratio | 60.6176% | 3,194 |
| Assets per employee ($millions) | 3.7201% | 4,224 |
| Cash dividends to net income (ytd only)* | 175.9015% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 1,505 |
| Loan loss allowance to noncurrent loans | 122.6320% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.7751% | 781 |
| Noncurrent loans to loans | 1.1141% | 762 |
| Net loans and leases to total assets | 66.6600% | 2,166 |
| Net loans and leases to deposits | 76.1362% | 2,417 |
| Net loans and leases to core deposits | 81.9437% | 2,581 |
| Total domestic deposits to total assets | 87.5500% | 1,589 |
| Equity capital to assets | 11.4130% | 1,344 |
| Core capital (leverage) ratio | 13.1888% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1869% | 594 |
| Memoranda: | ||
| Average total assets | $449,741,000 | 1,890 |
| Average earning assets | $418,071,500 | 1,885 |
| Average equity | $52,536,000 | 1,629 |
| Average total loans | $305,068,500 | 1,826 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4802% | 1,188 |
| Cost of funding earning assets | 0.7967% | 3,741 |
| Net interest margin | 4.6835% | 482 |
| Noninterest income to average assets | 2.4200% | 223 |
| Noninterest expense to average assets | 3.7202% | 457 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 2.9705% | 167 |
| Return on assets (ROA) | 2.8662% | 179 |
| Pretax return on assets | 2.8662% | 232 |
| Return on Equity (ROE) | 27.7500% | 223 |
| Retained earnings to average equity (ytd only) | 16.9096% | 224 |
| Net charge-offs to loans | 0.0843% | 1,020 |
| Credit loss provision to net charge-offs | 102.7559% | 1,812 |
| Earnings coverage of net charge-offs (x) | 53.6417% | 1,252 |
| Efficiency ratio | 54.9423% | 3,604 |
| Assets per employee ($millions) | 3.7137% | 4,240 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 1,631 |
| Loan loss allowance to noncurrent loans | 129.7933% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.7221% | 717 |
| Noncurrent loans to loans | 1.0280% | 720 |
| Net loans and leases to total assets | 67.1800% | 2,131 |
| Net loans and leases to deposits | 77.4092% | 2,321 |
| Net loans and leases to core deposits | 82.8434% | 2,534 |
| Total domestic deposits to total assets | 86.7800% | 1,760 |
| Equity capital to assets | 11.9503% | 1,141 |
| Core capital (leverage) ratio | 13.5723% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5563% | 568 |
| Memoranda: | ||
| Average total assets | $446,586,200 | 1,868 |
| Average earning assets | $415,076,600 | 1,855 |
| Average equity | $46,127,600 | 1,706 |
| Average total loans | $301,333,400 | 1,785 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3704% | 1,180 |
| Cost of funding earning assets | 0.7245% | 3,710 |
| Net interest margin | 4.6458% | 498 |
| Noninterest income to average assets | 1.3500% | 444 |
| Noninterest expense to average assets | 3.3391% | 686 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 2.2627% | 343 |
| Return on assets (ROA) | 2.2627% | 334 |
| Pretax return on assets | 2.2627% | 509 |
| Return on Equity (ROE) | 22.8100% | 501 |
| Retained earnings to average equity (ytd only) | 7.7373% | 2,062 |
| Net charge-offs to loans | 0.0915% | 835 |
| Credit loss provision to net charge-offs | 72.3301% | 1,793 |
| Earnings coverage of net charge-offs (x) | 37.7961% | 1,481 |
| Efficiency ratio | 58.9194% | 3,096 |
| Assets per employee ($millions) | 3.6852% | 4,275 |
| Cash dividends to net income (ytd only)* | 66.0764% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 1,664 |
| Loan loss allowance to noncurrent loans | 134.4262% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 755 |
| Noncurrent loans to loans | 1.0013% | 804 |
| Net loans and leases to total assets | 66.5900% | 2,188 |
| Net loans and leases to deposits | 76.0633% | 2,405 |
| Net loans and leases to core deposits | 81.7924% | 2,482 |
| Total domestic deposits to total assets | 87.5500% | 1,718 |
| Equity capital to assets | 10.1207% | 1,760 |
| Core capital (leverage) ratio | 12.4215% | 1,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1830% | 682 |
| Memoranda: | ||
| Average total assets | $445,894,500 | 1,869 |
| Average earning assets | $414,409,750 | 1,856 |
| Average equity | $44,234,750 | 1,741 |
| Average total loans | $300,182,750 | 1,790 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2957% | 1,085 |
| Cost of funding earning assets | 0.6532% | 3,619 |
| Net interest margin | 4.6425% | 496 |
| Noninterest income to average assets | 0.9900% | 576 |
| Noninterest expense to average assets | 3.1797% | 810 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.0448% | 435 |
| Return on assets (ROA) | 2.0448% | 431 |
| Pretax return on assets | 2.0448% | 697 |
| Return on Equity (ROE) | 20.8500% | 624 |
| Retained earnings to average equity (ytd only) | 6.2459% | 2,527 |
| Net charge-offs to loans | 0.0599% | 946 |
| Credit loss provision to net charge-offs | 142.2222% | 1,229 |
| Earnings coverage of net charge-offs (x) | 52.7444% | 1,263 |
| Efficiency ratio | 59.9477% | 2,969 |
| Assets per employee ($millions) | 3.6457% | 4,309 |
| Cash dividends to net income (ytd only)* | 70.0372% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 1,231 |
| Loan loss allowance to noncurrent loans | 147.8073% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7460% | 685 |
| Noncurrent loans to loans | 1.0030% | 753 |
| Net loans and leases to total assets | 66.4800% | 2,104 |
| Net loans and leases to deposits | 74.7346% | 2,425 |
| Net loans and leases to core deposits | 79.9061% | 2,477 |
| Total domestic deposits to total assets | 88.9500% | 1,278 |
| Equity capital to assets | 9.9447% | 1,889 |
| Core capital (leverage) ratio | 12.0401% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4272% | 769 |
| Memoranda: | ||
| Average total assets | $446,894,000 | 1,866 |
| Average earning assets | $415,166,667 | 1,857 |
| Average equity | $43,837,000 | 1,756 |
| Average total loans | $300,743,667 | 1,781 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9996% | 1,229 |
| Cost of funding earning assets | 0.5603% | 3,500 |
| Net interest margin | 4.4393% | 640 |
| Noninterest income to average assets | 1.0400% | 540 |
| Noninterest expense to average assets | 3.2280% | 769 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.8368% | 635 |
| Return on assets (ROA) | 1.8368% | 622 |
| Pretax return on assets | 1.8368% | 1,009 |
| Return on Equity (ROE) | 18.8500% | 905 |
| Retained earnings to average equity (ytd only) | 4.1888% | 3,213 |
| Net charge-offs to loans | 0.1143% | 551 |
| Credit loss provision to net charge-offs | 125.5814% | 1,017 |
| Earnings coverage of net charge-offs (x) | 25.1744% | 1,373 |
| Efficiency ratio | 62.5433% | 2,626 |
| Assets per employee ($millions) | 3.5733% | 4,396 |
| Cash dividends to net income (ytd only)* | 77.7832% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 1,350 |
| Loan loss allowance to noncurrent loans | 247.7921% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 1,082 |
| Noncurrent loans to loans | 0.5963% | 1,249 |
| Net loans and leases to total assets | 66.1800% | 2,041 |
| Net loans and leases to deposits | 74.3124% | 2,274 |
| Net loans and leases to core deposits | 79.1390% | 2,311 |
| Total domestic deposits to total assets | 89.0500% | 1,527 |
| Equity capital to assets | 9.9177% | 1,862 |
| Core capital (leverage) ratio | 11.8859% | 1,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1001% | 833 |
| Memoranda: | ||
| Average total assets | $447,955,500 | 1,884 |
| Average earning assets | $416,192,000 | 1,879 |
| Average equity | $43,640,000 | 1,777 |
| Average total loans | $301,060,000 | 1,787 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 978 |
| Cost of funding earning assets | 0.3250% | 2,682 |
| Net interest margin | 4.0176% | 769 |
| Noninterest income to average assets | 0.9200% | 756 |
| Noninterest expense to average assets | 3.0503% | 898 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.5508% | 779 |
| Return on assets (ROA) | 1.5508% | 748 |
| Pretax return on assets | 1.5508% | 1,291 |
| Return on Equity (ROE) | 16.3400% | 992 |
| Retained earnings to average equity (ytd only) | 6.3205% | 2,526 |
| Net charge-offs to loans | 0.0511% | 1,157 |
| Credit loss provision to net charge-offs | 214.4737% | 1,074 |
| Earnings coverage of net charge-offs (x) | 50.4342% | 1,355 |
| Efficiency ratio | 65.3169% | 2,318 |
| Assets per employee ($millions) | 3.5940% | 4,419 |
| Cash dividends to net income (ytd only)* | 61.3079% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 1,309 |
| Loan loss allowance to noncurrent loans | 111.0803% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.9523% | 454 |
| Noncurrent loans to loans | 1.3145% | 521 |
| Net loans and leases to total assets | 66.2600% | 2,007 |
| Net loans and leases to deposits | 74.1985% | 2,241 |
| Net loans and leases to core deposits | 78.8510% | 2,208 |
| Total domestic deposits to total assets | 89.3000% | 1,633 |
| Equity capital to assets | 9.5674% | 1,958 |
| Core capital (leverage) ratio | 11.2973% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9285% | 839 |
| Memoranda: | ||
| Average total assets | $473,291,400 | 1,790 |
| Average earning assets | $441,231,200 | 1,785 |
| Average equity | $44,933,400 | 1,755 |
| Average total loans | $297,311,200 | 1,732 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 966 |
| Cost of funding earning assets | 0.3179% | 1,983 |
| Net interest margin | 3.8385% | 895 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 2.8488% | 1,146 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.6053% | 650 |
| Return on assets (ROA) | 1.6053% | 631 |
| Pretax return on assets | 1.6053% | 1,108 |
| Return on Equity (ROE) | 16.9400% | 804 |
| Retained earnings to average equity (ytd only) | 8.1340% | 1,947 |
| Net charge-offs to loans | 0.0455% | 1,031 |
| Credit loss provision to net charge-offs | 203.9604% | 969 |
| Earnings coverage of net charge-offs (x) | 59.1782% | 1,177 |
| Efficiency ratio | 63.1459% | 2,665 |
| Assets per employee ($millions) | 3.7048% | 4,430 |
| Cash dividends to net income (ytd only)* | 51.9841% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,376 |
| Loan loss allowance to noncurrent loans | 111.4161% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 538 |
| Noncurrent loans to loans | 1.3224% | 554 |
| Net loans and leases to total assets | 61.7300% | 2,322 |
| Net loans and leases to deposits | 68.8482% | 2,470 |
| Net loans and leases to core deposits | 73.4265% | 2,392 |
| Total domestic deposits to total assets | 89.6600% | 1,808 |
| Equity capital to assets | 9.3316% | 1,993 |
| Core capital (leverage) ratio | 10.6083% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3497% | 810 |
| Memoranda: | ||
| Average total assets | $479,303,250 | 1,787 |
| Average earning assets | $447,044,250 | 1,777 |
| Average equity | $45,421,500 | 1,765 |
| Average total loans | $296,116,500 | 1,728 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 1,010 |
| Cost of funding earning assets | 0.3250% | 1,480 |
| Net interest margin | 3.6326% | 1,018 |
| Noninterest income to average assets | 0.9551% | 743 |
| Noninterest expense to average assets | 2.7986% | 1,175 |
| Loan and lease loss provision to assets | 0.0460% | 1,745 |
| Net operating income to assets | 1.5038% | 702 |
| Return on assets (ROA) | 1.5038% | 678 |
| Pretax return on assets | 1.5038% | 1,154 |
| Return on Equity (ROE) | 15.7904% | 739 |
| Retained earnings to average equity (ytd only) | 2.7261% | 3,536 |
| Net charge-offs to loans | 0.0580% | 817 |
| Credit loss provision to net charge-offs | 129.0698% | 1,158 |
| Earnings coverage of net charge-offs (x) | 43.4535% | 1,222 |
| Efficiency ratio | 64.3586% | 2,721 |
| Assets per employee ($millions) | 4.0091% | 4,367 |
| Cash dividends to net income (ytd only)* | 82.7358% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 1,559 |
| Loan loss allowance to noncurrent loans | 112.3353% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8185% | 635 |
| Noncurrent loans to loans | 1.2901% | 611 |
| Net loans and leases to total assets | 57.8329% | 2,549 |
| Net loans and leases to deposits | 64.0130% | 2,719 |
| Net loans and leases to core deposits | 68.0750% | 2,648 |
| Total domestic deposits to total assets | 90.3456% | 1,552 |
| Equity capital to assets | 8.7532% | 2,568 |
| Core capital (leverage) ratio | 9.9511% | 2,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5447% | 916 |
| Memoranda: | ||
| Average total assets | $482,234,000 | 1,784 |
| Average earning assets | $450,479,333 | 1,781 |
| Average equity | $45,926,667 | 1,805 |
| Average total loans | $296,563,000 | 1,719 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 865 |
| Cost of funding earning assets | 0.3326% | 1,349 |
| Net interest margin | 3.6069% | 882 |
| Noninterest income to average assets | 0.9383% | 782 |
| Noninterest expense to average assets | 2.8267% | 1,109 |
| Loan and lease loss provision to assets | 0.0787% | 1,044 |
| Net operating income to assets | 1.4002% | 799 |
| Return on assets (ROA) | 1.4002% | 794 |
| Pretax return on assets | 1.4002% | 1,256 |
| Return on Equity (ROE) | 14.0980% | 817 |
| Retained earnings to average equity (ytd only) | 1.3204% | 3,743 |
| Net charge-offs to loans | -0.0040% | 3,277 |
| Credit loss provision to net charge-offs | -3,100.0000% | 3,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6514% | 2,808 |
| Assets per employee ($millions) | 3.7774% | 4,480 |
| Cash dividends to net income (ytd only)* | 90.6344% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 1,674 |
| Loan loss allowance to noncurrent loans | 77.9737% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.2397% | 350 |
| Noncurrent loans to loans | 1.8767% | 400 |
| Net loans and leases to total assets | 60.8206% | 1,978 |
| Net loans and leases to deposits | 67.8932% | 2,166 |
| Net loans and leases to core deposits | 72.4150% | 2,075 |
| Total domestic deposits to total assets | 89.5828% | 1,777 |
| Equity capital to assets | 9.4884% | 2,289 |
| Core capital (leverage) ratio | 10.4786% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3256% | 994 |
| Memoranda: | ||
| Average total assets | $472,781,000 | 1,817 |
| Average earning assets | $441,380,000 | 1,820 |
| Average equity | $46,957,000 | 1,817 |
| Average total loans | $297,801,500 | 1,712 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 839 |
| Cost of funding earning assets | 0.4740% | 1,038 |
| Net interest margin | 3.8340% | 947 |
| Noninterest income to average assets | 1.2375% | 693 |
| Noninterest expense to average assets | 2.9387% | 1,083 |
| Loan and lease loss provision to assets | 0.1895% | 587 |
| Net operating income to assets | 1.6980% | 632 |
| Return on assets (ROA) | 1.6987% | 658 |
| Pretax return on assets | 1.6987% | 1,148 |
| Return on Equity (ROE) | 17.0959% | 573 |
| Retained earnings to average equity (ytd only) | 7.7701% | 1,630 |
| Net charge-offs to loans | 0.2596% | 349 |
| Credit loss provision to net charge-offs | 112.7820% | 1,692 |
| Earnings coverage of net charge-offs (x) | 11.2318% | 2,165 |
| Efficiency ratio | 60.8893% | 3,012 |
| Assets per employee ($millions) | 3.6680% | 4,546 |
| Cash dividends to net income (ytd only)* | 54.5500% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 1,864 |
| Loan loss allowance to noncurrent loans | 71.7042% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.3633% | 327 |
| Noncurrent loans to loans | 1.9730% | 398 |
| Net loans and leases to total assets | 63.3830% | 1,775 |
| Net loans and leases to deposits | 71.6063% | 1,952 |
| Net loans and leases to core deposits | 76.6033% | 1,868 |
| Total domestic deposits to total assets | 88.5160% | 1,782 |
| Equity capital to assets | 10.3890% | 2,280 |
| Core capital (leverage) ratio | 10.6963% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1777% | 1,012 |
| Memoranda: | ||
| Average total assets | $474,840,800 | 1,759 |
| Average earning assets | $444,468,000 | 1,752 |
| Average equity | $47,181,000 | 1,854 |
| Average total loans | $307,395,800 | 1,676 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3218% | 923 |
| Cost of funding earning assets | 0.5159% | 972 |
| Net interest margin | 3.8059% | 1,107 |
| Noninterest income to average assets | 1.3465% | 657 |
| Noninterest expense to average assets | 2.7139% | 1,552 |
| Loan and lease loss provision to assets | 0.2350% | 408 |
| Net operating income to assets | 1.9621% | 491 |
| Return on assets (ROA) | 1.9630% | 516 |
| Pretax return on assets | 1.9630% | 848 |
| Return on Equity (ROE) | 19.9779% | 427 |
| Retained earnings to average equity (ytd only) | 11.8718% | 855 |
| Net charge-offs to loans | 0.2551% | 319 |
| Credit loss provision to net charge-offs | 142.0608% | 1,382 |
| Earnings coverage of net charge-offs (x) | 13.2804% | 1,928 |
| Efficiency ratio | 55.2609% | 3,625 |
| Assets per employee ($millions) | 3.6495% | 4,591 |
| Cash dividends to net income (ytd only)* | 40.5752% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 1,829 |
| Loan loss allowance to noncurrent loans | 73.0423% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.5694% | 308 |
| Noncurrent loans to loans | 1.9814% | 449 |
| Net loans and leases to total assets | 64.4118% | 1,718 |
| Net loans and leases to deposits | 72.9775% | 1,963 |
| Net loans and leases to core deposits | 78.0679% | 1,891 |
| Total domestic deposits to total assets | 88.2625% | 1,681 |
| Equity capital to assets | 10.6006% | 2,366 |
| Core capital (leverage) ratio | 10.7787% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5139% | 1,047 |
| Memoranda: | ||
| Average total assets | $477,091,500 | 1,771 |
| Average earning assets | $446,838,500 | 1,771 |
| Average equity | $46,877,250 | 1,880 |
| Average total loans | $309,370,000 | 1,692 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2038% | 1,183 |
| Cost of funding earning assets | 0.5729% | 854 |
| Net interest margin | 3.6309% | 1,519 |
| Noninterest income to average assets | 1.5913% | 491 |
| Noninterest expense to average assets | 2.6535% | 1,712 |
| Loan and lease loss provision to assets | 0.2919% | 297 |
| Net operating income to assets | 2.0485% | 453 |
| Return on assets (ROA) | 2.0497% | 472 |
| Pretax return on assets | 2.0497% | 752 |
| Return on Equity (ROE) | 21.4024% | 358 |
| Retained earnings to average equity (ytd only) | 9.0449% | 1,694 |
| Net charge-offs to loans | 0.1374% | 582 |
| Credit loss provision to net charge-offs | 328.5047% | 856 |
| Earnings coverage of net charge-offs (x) | 26.3364% | 1,386 |
| Efficiency ratio | 53.1349% | 3,912 |
| Assets per employee ($millions) | 3.8013% | 4,548 |
| Cash dividends to net income (ytd only)* | 57.7391% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 1,573 |
| Loan loss allowance to noncurrent loans | 71.0074% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.4056% | 432 |
| Noncurrent loans to loans | 2.1210% | 437 |
| Net loans and leases to total assets | 62.1497% | 2,162 |
| Net loans and leases to deposits | 69.6278% | 2,452 |
| Net loans and leases to core deposits | 74.1291% | 2,399 |
| Total domestic deposits to total assets | 89.2599% | 1,161 |
| Equity capital to assets | 9.6912% | 3,158 |
| Core capital (leverage) ratio | 9.9567% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2136% | 1,078 |
| Memoranda: | ||
| Average total assets | $481,628,000 | 1,757 |
| Average earning assets | $451,352,333 | 1,755 |
| Average equity | $46,125,667 | 1,895 |
| Average total loans | $311,519,667 | 1,694 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 874 |
| Cost of funding earning assets | 0.5890% | 919 |
| Net interest margin | 3.8386% | 1,076 |
| Noninterest income to average assets | 0.8632% | 1,423 |
| Noninterest expense to average assets | 2.7039% | 1,612 |
| Loan and lease loss provision to assets | 0.2580% | 395 |
| Net operating income to assets | 1.4976% | 1,342 |
| Return on assets (ROA) | 1.5001% | 1,394 |
| Pretax return on assets | 1.5001% | 1,992 |
| Return on Equity (ROE) | 15.7592% | 1,071 |
| Retained earnings to average equity (ytd only) | 4.3585% | 3,396 |
| Net charge-offs to loans | 0.1211% | 594 |
| Credit loss provision to net charge-offs | 325.2632% | 729 |
| Earnings coverage of net charge-offs (x) | 22.1368% | 1,216 |
| Efficiency ratio | 60.6327% | 2,960 |
| Assets per employee ($millions) | 3.7190% | 4,614 |
| Cash dividends to net income (ytd only)* | 72.3428% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 1,949 |
| Loan loss allowance to noncurrent loans | 82.0257% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.2117% | 616 |
| Noncurrent loans to loans | 1.7086% | 709 |
| Net loans and leases to total assets | 63.2852% | 2,137 |
| Net loans and leases to deposits | 70.5981% | 2,448 |
| Net loans and leases to core deposits | 75.3014% | 2,406 |
| Total domestic deposits to total assets | 89.6414% | 1,003 |
| Equity capital to assets | 9.4245% | 3,270 |
| Core capital (leverage) ratio | 9.7738% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0611% | 1,281 |
| Memoranda: | ||
| Average total assets | $479,158,500 | 1,751 |
| Average earning assets | $448,914,500 | 1,748 |
| Average equity | $45,611,500 | 1,899 |
| Average total loans | $313,767,500 | 1,687 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 655 |
| Cost of funding earning assets | 0.9653% | 681 |
| Net interest margin | 3.8949% | 1,223 |
| Noninterest income to average assets | 0.9083% | 1,241 |
| Noninterest expense to average assets | 3.0691% | 1,294 |
| Loan and lease loss provision to assets | 0.1710% | 2,247 |
| Net operating income to assets | 1.3066% | 1,232 |
| Return on assets (ROA) | 1.3143% | 1,311 |
| Pretax return on assets | 1.3143% | 1,925 |
| Return on Equity (ROE) | 13.9368% | 828 |
| Retained earnings to average equity (ytd only) | 2.5342% | 3,579 |
| Net charge-offs to loans | 0.2952% | 588 |
| Credit loss provision to net charge-offs | 82.1730% | 2,974 |
| Earnings coverage of net charge-offs (x) | 7.1023% | 2,723 |
| Efficiency ratio | 67.5017% | 2,298 |
| Assets per employee ($millions) | 3.5174% | 4,643 |
| Cash dividends to net income (ytd only)* | 81.8167% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 2,391 |
| Loan loss allowance to noncurrent loans | 76.9159% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.2509% | 666 |
| Noncurrent loans to loans | 1.6947% | 756 |
| Net loans and leases to total assets | 65.9341% | 2,099 |
| Net loans and leases to deposits | 74.2589% | 2,460 |
| Net loans and leases to core deposits | 79.2418% | 2,425 |
| Total domestic deposits to total assets | 88.7896% | 1,079 |
| Equity capital to assets | 9.6153% | 3,492 |
| Core capital (leverage) ratio | 9.7639% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8327% | 1,301 |
| Memoranda: | ||
| Average total assets | $455,672,600 | 1,681 |
| Average earning assets | $425,655,000 | 1,676 |
| Average equity | $42,972,600 | 1,906 |
| Average total loans | $321,137,400 | 1,605 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9539% | 660 |
| Cost of funding earning assets | 1.0338% | 680 |
| Net interest margin | 3.9200% | 1,303 |
| Noninterest income to average assets | 0.9543% | 1,114 |
| Noninterest expense to average assets | 2.9932% | 1,457 |
| Loan and lease loss provision to assets | 0.1661% | 2,339 |
| Net operating income to assets | 1.4546% | 987 |
| Return on assets (ROA) | 1.4626% | 1,056 |
| Pretax return on assets | 1.4626% | 1,538 |
| Return on Equity (ROE) | 15.5894% | 599 |
| Retained earnings to average equity (ytd only) | 5.0305% | 2,543 |
| Net charge-offs to loans | 0.0509% | 1,880 |
| Credit loss provision to net charge-offs | 456.9106% | 1,351 |
| Earnings coverage of net charge-offs (x) | 44.5610% | 1,276 |
| Efficiency ratio | 64.8721% | 2,617 |
| Assets per employee ($millions) | 3.4385% | 4,687 |
| Cash dividends to net income (ytd only)* | 67.7315% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 1,476 |
| Loan loss allowance to noncurrent loans | 110.8437% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.1049% | 947 |
| Noncurrent loans to loans | 1.3247% | 1,114 |
| Net loans and leases to total assets | 67.5621% | 2,303 |
| Net loans and leases to deposits | 76.1419% | 2,735 |
| Net loans and leases to core deposits | 81.9438% | 2,668 |
| Total domestic deposits to total assets | 88.7317% | 885 |
| Equity capital to assets | 9.3045% | 3,857 |
| Core capital (leverage) ratio | 9.8894% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9443% | 1,260 |
| Memoranda: | ||
| Average total assets | $450,879,500 | 1,672 |
| Average earning assets | $420,940,750 | 1,668 |
| Average equity | $42,301,250 | 1,917 |
| Average total loans | $322,116,750 | 1,602 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0313% | 786 |
| Cost of funding earning assets | 1.0979% | 720 |
| Net interest margin | 3.9333% | 1,486 |
| Noninterest income to average assets | 0.8479% | 1,291 |
| Noninterest expense to average assets | 3.0769% | 1,412 |
| Loan and lease loss provision to assets | 0.1225% | 2,807 |
| Net operating income to assets | 1.3153% | 1,322 |
| Return on assets (ROA) | 1.3275% | 1,383 |
| Pretax return on assets | 1.3275% | 1,941 |
| Return on Equity (ROE) | 14.1082% | 864 |
| Retained earnings to average equity (ytd only) | -1.9238% | 4,583 |
| Net charge-offs to loans | 0.0485% | 1,792 |
| Credit loss provision to net charge-offs | 348.7179% | 1,520 |
| Earnings coverage of net charge-offs (x) | 40.9359% | 1,233 |
| Efficiency ratio | 68.1528% | 2,214 |
| Assets per employee ($millions) | 3.4881% | 4,669 |
| Cash dividends to net income (ytd only)* | 113.6364% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 1,663 |
| Loan loss allowance to noncurrent loans | 93.5524% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.2816% | 820 |
| Noncurrent loans to loans | 1.4728% | 1,033 |
| Net loans and leases to total assets | 68.3711% | 2,291 |
| Net loans and leases to deposits | 76.6870% | 2,788 |
| Net loans and leases to core deposits | 82.7887% | 2,715 |
| Total domestic deposits to total assets | 89.1560% | 684 |
| Equity capital to assets | 8.8820% | 4,185 |
| Core capital (leverage) ratio | 9.6583% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0514% | 1,474 |
| Memoranda: | ||
| Average total assets | $444,147,667 | 1,670 |
| Average earning assets | $414,050,667 | 1,667 |
| Average equity | $41,791,333 | 1,927 |
| Average total loans | $321,818,667 | 1,586 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1773% | 687 |
| Cost of funding earning assets | 1.1644% | 862 |
| Net interest margin | 4.0130% | 1,356 |
| Noninterest income to average assets | 0.9666% | 920 |
| Noninterest expense to average assets | 3.2026% | 1,415 |
| Loan and lease loss provision to assets | 0.0743% | 2,809 |
| Net operating income to assets | 1.4244% | 935 |
| Return on assets (ROA) | 1.4263% | 1,003 |
| Pretax return on assets | 1.4263% | 1,489 |
| Return on Equity (ROE) | 14.7075% | 588 |
| Retained earnings to average equity (ytd only) | -2.5279% | 4,300 |
| Net charge-offs to loans | 0.0651% | 1,370 |
| Credit loss provision to net charge-offs | 153.8462% | 1,573 |
| Earnings coverage of net charge-offs (x) | 31.0385% | 1,157 |
| Efficiency ratio | 68.1217% | 2,645 |
| Assets per employee ($millions) | 3.2146% | 4,682 |
| Cash dividends to net income (ytd only)* | 117.1875% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,899 |
| Loan loss allowance to noncurrent loans | 93.4023% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2609% | 952 |
| Noncurrent loans to loans | 1.4476% | 1,103 |
| Net loans and leases to total assets | 71.7679% | 1,954 |
| Net loans and leases to deposits | 81.0668% | 2,574 |
| Net loans and leases to core deposits | 88.1753% | 2,507 |
| Total domestic deposits to total assets | 88.5294% | 868 |
| Equity capital to assets | 9.5279% | 4,191 |
| Core capital (leverage) ratio | 10.3635% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0469% | 1,588 |
| Memoranda: | ||
| Average total assets | $430,774,000 | 1,673 |
| Average earning assets | $400,901,000 | 1,670 |
| Average equity | $41,774,500 | 1,917 |
| Average total loans | $319,501,000 | 1,565 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3625% | 723 |
| Cost of funding earning assets | 1.1553% | 1,141 |
| Net interest margin | 4.2072% | 1,305 |
| Noninterest income to average assets | 1.0423% | 881 |
| Noninterest expense to average assets | 3.3579% | 1,188 |
| Loan and lease loss provision to assets | 0.0590% | 2,856 |
| Net operating income to assets | 1.5410% | 960 |
| Return on assets (ROA) | 1.5422% | 1,017 |
| Pretax return on assets | 1.5422% | 1,678 |
| Return on Equity (ROE) | 16.4497% | 482 |
| Retained earnings to average equity (ytd only) | 4.1663% | 2,874 |
| Net charge-offs to loans | 0.1770% | 1,141 |
| Credit loss provision to net charge-offs | 44.1125% | 3,170 |
| Earnings coverage of net charge-offs (x) | 11.9649% | 2,450 |
| Efficiency ratio | 67.7285% | 2,497 |
| Assets per employee ($millions) | 3.0967% | 4,766 |
| Cash dividends to net income (ytd only)* | 74.6724% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 1,706 |
| Loan loss allowance to noncurrent loans | 99.0336% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 912 |
| Noncurrent loans to loans | 1.3641% | 1,092 |
| Net loans and leases to total assets | 74.6294% | 1,644 |
| Net loans and leases to deposits | 84.7843% | 2,239 |
| Net loans and leases to core deposits | 92.5416% | 2,196 |
| Total domestic deposits to total assets | 88.0227% | 1,115 |
| Equity capital to assets | 9.8750% | 4,035 |
| Core capital (leverage) ratio | 10.5479% | 2,904 |
| Tier 1 risk-based capital ratio | 14.7825% | 2,874 |
| Total risk-based capital ratio | 16.0343% | 2,800 |
| Memoranda: | ||
| Average total assets | $425,508,000 | 1,647 |
| Average earning assets | $396,010,200 | 1,646 |
| Average equity | $39,891,400 | 1,940 |
| Average total loans | $321,378,600 | 1,522 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3604% | 760 |
| Cost of funding earning assets | 1.1445% | 1,193 |
| Net interest margin | 4.2159% | 1,341 |
| Noninterest income to average assets | 1.0170% | 906 |
| Noninterest expense to average assets | 3.2179% | 1,427 |
| Loan and lease loss provision to assets | 0.0634% | 2,619 |
| Net operating income to assets | 1.6602% | 811 |
| Return on assets (ROA) | 1.6618% | 849 |
| Pretax return on assets | 1.6618% | 1,437 |
| Return on Equity (ROE) | 17.9621% | 395 |
| Retained earnings to average equity (ytd only) | 6.6450% | 2,037 |
| Net charge-offs to loans | 0.1565% | 1,059 |
| Credit loss provision to net charge-offs | 53.7037% | 2,758 |
| Earnings coverage of net charge-offs (x) | 14.5899% | 2,241 |
| Efficiency ratio | 65.1192% | 2,835 |
| Assets per employee ($millions) | 3.1512% | 4,793 |
| Cash dividends to net income (ytd only)* | 63.0055% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 1,593 |
| Loan loss allowance to noncurrent loans | 103.8776% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.2263% | 1,022 |
| Noncurrent loans to loans | 1.3443% | 1,144 |
| Net loans and leases to total assets | 73.8155% | 1,850 |
| Net loans and leases to deposits | 84.9801% | 2,326 |
| Net loans and leases to core deposits | 92.7601% | 2,293 |
| Total domestic deposits to total assets | 86.8621% | 1,591 |
| Equity capital to assets | 9.7207% | 4,275 |
| Core capital (leverage) ratio | 10.5723% | 3,036 |
| Tier 1 risk-based capital ratio | 14.9558% | 2,867 |
| Total risk-based capital ratio | 16.2082% | 2,799 |
| Memoranda: | ||
| Average total assets | $426,598,750 | 1,649 |
| Average earning assets | $397,125,500 | 1,647 |
| Average equity | $39,467,250 | 1,966 |
| Average total loans | $322,072,750 | 1,532 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 860 |
| Cost of funding earning assets | 1.1169% | 1,233 |
| Net interest margin | 4.1547% | 1,477 |
| Noninterest income to average assets | 1.0684% | 748 |
| Noninterest expense to average assets | 3.2188% | 1,462 |
| Loan and lease loss provision to assets | 0.0848% | 2,147 |
| Net operating income to assets | 1.6309% | 850 |
| Return on assets (ROA) | 1.6309% | 887 |
| Pretax return on assets | 1.6309% | 1,456 |
| Return on Equity (ROE) | 17.9306% | 384 |
| Retained earnings to average equity (ytd only) | 0.6797% | 4,516 |
| Net charge-offs to loans | 0.2128% | 781 |
| Credit loss provision to net charge-offs | 52.6163% | 2,455 |
| Earnings coverage of net charge-offs (x) | 10.6483% | 2,248 |
| Efficiency ratio | 65.2302% | 2,936 |
| Assets per employee ($millions) | 3.1421% | 4,815 |
| Cash dividends to net income (ytd only)* | 96.2091% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 1,662 |
| Loan loss allowance to noncurrent loans | 109.5063% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.2307% | 1,064 |
| Noncurrent loans to loans | 1.2672% | 1,251 |
| Net loans and leases to total assets | 73.5928% | 1,949 |
| Net loans and leases to deposits | 84.0819% | 2,488 |
| Net loans and leases to core deposits | 91.6534% | 2,445 |
| Total domestic deposits to total assets | 87.5251% | 1,329 |
| Equity capital to assets | 9.1657% | 4,687 |
| Core capital (leverage) ratio | 10.1128% | 3,491 |
| Tier 1 risk-based capital ratio | 14.0802% | 3,276 |
| Total risk-based capital ratio | 15.3324% | 3,196 |
| Memoranda: | ||
| Average total assets | $426,994,330 | 1,650 |
| Average earning assets | $397,335,330 | 1,641 |
| Average equity | $38,838,670 | 1,990 |
| Average total loans | $323,274,670 | 1,542 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2178% | 876 |
| Cost of funding earning assets | 1.0719% | 1,283 |
| Net interest margin | 4.1460% | 1,436 |
| Noninterest income to average assets | 1.2012% | 561 |
| Noninterest expense to average assets | 3.2254% | 1,435 |
| Loan and lease loss provision to assets | 0.1505% | 1,117 |
| Net operating income to assets | 1.6818% | 759 |
| Return on assets (ROA) | 1.6818% | 786 |
| Pretax return on assets | 1.6818% | 1,254 |
| Return on Equity (ROE) | 18.5622% | 354 |
| Retained earnings to average equity (ytd only) | -0.1246% | 4,547 |
| Net charge-offs to loans | 0.2516% | 577 |
| Credit loss provision to net charge-offs | 78.4314% | 1,795 |
| Earnings coverage of net charge-offs (x) | 9.5490% | 2,016 |
| Efficiency ratio | 63.7716% | 3,276 |
| Assets per employee ($millions) | 3.1167% | 4,900 |
| Cash dividends to net income (ytd only)* | 100.6711% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 1,638 |
| Loan loss allowance to noncurrent loans | 105.9477% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.2920% | 1,015 |
| Noncurrent loans to loans | 1.3312% | 1,226 |
| Net loans and leases to total assets | 74.4037% | 1,730 |
| Net loans and leases to deposits | 85.0605% | 2,248 |
| Net loans and leases to core deposits | 92.4416% | 2,263 |
| Total domestic deposits to total assets | 87.4715% | 1,579 |
| Equity capital to assets | 9.0247% | 4,660 |
| Core capital (leverage) ratio | 10.1493% | 3,438 |
| Tier 1 risk-based capital ratio | 13.9497% | 3,363 |
| Total risk-based capital ratio | 15.2021% | 3,279 |
| Memoranda: | ||
| Average total assets | $425,254,500 | 1,661 |
| Average earning assets | $395,566,000 | 1,657 |
| Average equity | $38,530,000 | 1,989 |
| Average total loans | $324,284,000 | 1,548 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 807 |
| Cost of funding earning assets | 0.7193% | 1,963 |
| Net interest margin | 4.4045% | 925 |
| Noninterest income to average assets | 0.9701% | 1,011 |
| Noninterest expense to average assets | 3.4353% | 1,094 |
| Loan and lease loss provision to assets | 0.1356% | 1,591 |
| Net operating income to assets | 1.4706% | 1,202 |
| Return on assets (ROA) | 1.4706% | 1,195 |
| Pretax return on assets | 1.4706% | 1,871 |
| Return on Equity (ROE) | 16.6092% | 528 |
| Retained earnings to average equity (ytd only) | 3.6250% | 3,586 |
| Net charge-offs to loans | 0.1179% | 1,566 |
| Credit loss provision to net charge-offs | 149.3540% | 1,840 |
| Earnings coverage of net charge-offs (x) | 17.6899% | 2,175 |
| Efficiency ratio | 68.1404% | 2,516 |
| Assets per employee ($millions) | 2.9816% | 5,003 |
| Cash dividends to net income (ytd only)* | 78.1749% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 1,535 |
| Loan loss allowance to noncurrent loans | 91.6320% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.3996% | 875 |
| Noncurrent loans to loans | 1.5566% | 958 |
| Net loans and leases to total assets | 75.9638% | 1,622 |
| Net loans and leases to deposits | 87.5537% | 2,111 |
| Net loans and leases to core deposits | 93.8073% | 2,241 |
| Total domestic deposits to total assets | 86.7626% | 1,888 |
| Equity capital to assets | 9.0971% | 4,490 |
| Core capital (leverage) ratio | 10.3968% | 3,145 |
| Tier 1 risk-based capital ratio | 13.9719% | 3,299 |
| Total risk-based capital ratio | 15.2246% | 3,224 |
| Memoranda: | ||
| Average total assets | $426,226,800 | 1,605 |
| Average earning assets | $393,980,800 | 1,607 |
| Average equity | $37,738,200 | 1,951 |
| Average total loans | $328,121,600 | 1,488 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1021% | 753 |
| Cost of funding earning assets | 0.6736% | 2,010 |
| Net interest margin | 4.4285% | 850 |
| Noninterest income to average assets | 0.9730% | 1,004 |
| Noninterest expense to average assets | 3.3014% | 1,298 |
| Loan and lease loss provision to assets | 0.1637% | 1,160 |
| Net operating income to assets | 1.5968% | 967 |
| Return on assets (ROA) | 1.5968% | 971 |
| Pretax return on assets | 1.5968% | 1,592 |
| Return on Equity (ROE) | 18.1570% | 412 |
| Retained earnings to average equity (ytd only) | 6.2816% | 2,499 |
| Net charge-offs to loans | 0.1726% | 960 |
| Credit loss provision to net charge-offs | 123.2394% | 1,956 |
| Earnings coverage of net charge-offs (x) | 13.2558% | 2,378 |
| Efficiency ratio | 65.2214% | 3,002 |
| Assets per employee ($millions) | 2.9297% | 5,086 |
| Cash dividends to net income (ytd only)* | 65.4042% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,709 |
| Loan loss allowance to noncurrent loans | 113.1651% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2259% | 1,134 |
| Noncurrent loans to loans | 1.2352% | 1,365 |
| Net loans and leases to total assets | 76.2748% | 1,621 |
| Net loans and leases to deposits | 88.0062% | 2,153 |
| Net loans and leases to core deposits | 93.6378% | 2,333 |
| Total domestic deposits to total assets | 86.6698% | 1,883 |
| Equity capital to assets | 9.2483% | 4,323 |
| Core capital (leverage) ratio | 10.3819% | 3,201 |
| Tier 1 risk-based capital ratio | 14.1134% | 3,310 |
| Total risk-based capital ratio | 15.3656% | 3,225 |
| Memoranda: | ||
| Average total assets | $427,683,500 | 1,612 |
| Average earning assets | $394,885,500 | 1,616 |
| Average equity | $37,611,750 | 1,961 |
| Average total loans | $329,158,750 | 1,480 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 785 |
| Cost of funding earning assets | 0.6205% | 2,103 |
| Net interest margin | 4.4010% | 846 |
| Noninterest income to average assets | 0.9118% | 1,150 |
| Noninterest expense to average assets | 3.3001% | 1,323 |
| Loan and lease loss provision to assets | 0.1310% | 1,516 |
| Net operating income to assets | 1.5360% | 1,063 |
| Return on assets (ROA) | 1.5360% | 1,069 |
| Pretax return on assets | 1.5360% | 1,692 |
| Return on Equity (ROE) | 17.7635% | 443 |
| Retained earnings to average equity (ytd only) | -0.2310% | 4,989 |
| Net charge-offs to loans | 0.1257% | 1,174 |
| Credit loss provision to net charge-offs | 135.5769% | 1,682 |
| Earnings coverage of net charge-offs (x) | 17.2548% | 1,960 |
| Efficiency ratio | 66.4391% | 2,900 |
| Assets per employee ($millions) | 3.0846% | 5,036 |
| Cash dividends to net income (ytd only)* | 101.3003% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 1,895 |
| Loan loss allowance to noncurrent loans | 95.6070% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1849% | 1,213 |
| Noncurrent loans to loans | 1.4232% | 1,188 |
| Net loans and leases to total assets | 74.5627% | 1,857 |
| Net loans and leases to deposits | 85.1346% | 2,418 |
| Net loans and leases to core deposits | 89.9268% | 2,577 |
| Total domestic deposits to total assets | 87.5822% | 1,601 |
| Equity capital to assets | 8.4588% | 4,976 |
| Core capital (leverage) ratio | 9.6084% | 3,989 |
| Tier 1 risk-based capital ratio | 13.3270% | 3,717 |
| Total risk-based capital ratio | 14.5790% | 3,636 |
| Memoranda: | ||
| Average total assets | $430,594,330 | 1,609 |
| Average earning assets | $396,775,000 | 1,616 |
| Average equity | $37,233,670 | 1,980 |
| Average total loans | $330,850,330 | 1,480 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0175% | 672 |
| Cost of funding earning assets | 0.6121% | 1,963 |
| Net interest margin | 4.4054% | 762 |
| Noninterest income to average assets | 0.9426% | 1,042 |
| Noninterest expense to average assets | 3.2880% | 1,369 |
| Loan and lease loss provision to assets | 0.1509% | 1,202 |
| Net operating income to assets | 1.5367% | 989 |
| Return on assets (ROA) | 1.5367% | 997 |
| Pretax return on assets | 1.5367% | 1,577 |
| Return on Equity (ROE) | 17.5751% | 453 |
| Retained earnings to average equity (ytd only) | -1.7146% | 4,983 |
| Net charge-offs to loans | 0.1971% | 746 |
| Credit loss provision to net charge-offs | 98.7730% | 1,608 |
| Earnings coverage of net charge-offs (x) | 11.0491% | 1,870 |
| Efficiency ratio | 66.0829% | 3,143 |
| Assets per employee ($millions) | 3.0897% | 5,095 |
| Cash dividends to net income (ytd only)* | 109.7561% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 2,066 |
| Loan loss allowance to noncurrent loans | 122.4834% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.1459% | 1,339 |
| Noncurrent loans to loans | 1.0922% | 1,678 |
| Net loans and leases to total assets | 74.9772% | 1,708 |
| Net loans and leases to deposits | 85.4615% | 2,237 |
| Net loans and leases to core deposits | 90.7691% | 2,390 |
| Total domestic deposits to total assets | 87.7321% | 1,772 |
| Equity capital to assets | 8.4947% | 4,977 |
| Core capital (leverage) ratio | 9.8177% | 3,739 |
| Tier 1 risk-based capital ratio | 13.3055% | 3,778 |
| Total risk-based capital ratio | 14.5574% | 3,683 |
| Memoranda: | ||
| Average total assets | $426,888,000 | 1,627 |
| Average earning assets | $390,791,000 | 1,647 |
| Average equity | $37,325,500 | 1,985 |
| Average total loans | $330,728,000 | 1,484 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1380% | 493 |
| Cost of funding earning assets | 0.5348% | 2,072 |
| Net interest margin | 4.6032% | 501 |
| Noninterest income to average assets | 0.9816% | 1,064 |
| Noninterest expense to average assets | 3.4966% | 1,044 |
| Loan and lease loss provision to assets | 0.1816% | 1,178 |
| Net operating income to assets | 1.4832% | 842 |
| Return on assets (ROA) | 1.4832% | 861 |
| Pretax return on assets | 1.4832% | 1,707 |
| Return on Equity (ROE) | 16.1067% | 469 |
| Retained earnings to average equity (ytd only) | -2.9901% | 5,346 |
| Net charge-offs to loans | 0.2773% | 945 |
| Credit loss provision to net charge-offs | 85.0056% | 2,866 |
| Earnings coverage of net charge-offs (x) | 7.7914% | 2,992 |
| Efficiency ratio | 67.7448% | 2,944 |
| Assets per employee ($millions) | 2.9445% | 5,236 |
| Cash dividends to net income (ytd only)* | 118.5642% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 2,016 |
| Loan loss allowance to noncurrent loans | 107.0290% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.2953% | 1,119 |
| Noncurrent loans to loans | 1.2531% | 1,405 |
| Net loans and leases to total assets | 77.9569% | 1,293 |
| Net loans and leases to deposits | 89.4435% | 1,842 |
| Net loans and leases to core deposits | 95.2737% | 2,092 |
| Total domestic deposits to total assets | 87.1577% | 1,914 |
| Equity capital to assets | 9.0030% | 4,720 |
| Core capital (leverage) ratio | 10.0048% | 3,453 |
| Tier 1 risk-based capital ratio | 13.4188% | 3,678 |
| Total risk-based capital ratio | 14.6709% | 3,587 |
| Memoranda: | ||
| Average total assets | $415,118,200 | 1,652 |
| Average earning assets | $376,935,600 | 1,682 |
| Average equity | $38,226,400 | 1,921 |
| Average total loans | $319,893,000 | 1,484 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 479 |
| Cost of funding earning assets | 0.5200% | 2,108 |
| Net interest margin | 4.6070% | 481 |
| Noninterest income to average assets | 0.9186% | 1,217 |
| Noninterest expense to average assets | 3.3538% | 1,240 |
| Loan and lease loss provision to assets | 0.1319% | 1,649 |
| Net operating income to assets | 1.6095% | 695 |
| Return on assets (ROA) | 1.6095% | 716 |
| Pretax return on assets | 1.6095% | 1,385 |
| Return on Equity (ROE) | 17.3803% | 386 |
| Retained earnings to average equity (ytd only) | -2.5991% | 5,461 |
| Net charge-offs to loans | 0.2093% | 1,026 |
| Credit loss provision to net charge-offs | 82.3293% | 2,549 |
| Earnings coverage of net charge-offs (x) | 10.8675% | 2,549 |
| Efficiency ratio | 65.8225% | 3,239 |
| Assets per employee ($millions) | 2.9663% | 5,285 |
| Cash dividends to net income (ytd only)* | 114.9540% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 2,034 |
| Loan loss allowance to noncurrent loans | 119.0742% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.2516% | 1,300 |
| Noncurrent loans to loans | 1.1483% | 1,669 |
| Net loans and leases to total assets | 77.1970% | 1,396 |
| Net loans and leases to deposits | 88.8981% | 1,941 |
| Net loans and leases to core deposits | 94.4013% | 2,232 |
| Total domestic deposits to total assets | 86.8376% | 1,939 |
| Equity capital to assets | 9.2538% | 4,680 |
| Core capital (leverage) ratio | 10.1860% | 3,331 |
| Tier 1 risk-based capital ratio | 13.5202% | 3,689 |
| Total risk-based capital ratio | 14.7723% | 3,602 |
| Memoranda: | ||
| Average total assets | $414,366,250 | 1,667 |
| Average earning assets | $375,647,250 | 1,699 |
| Average equity | $38,372,000 | 1,938 |
| Average total loans | $317,269,000 | 1,501 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0814% | 493 |
| Cost of funding earning assets | 0.5030% | 2,141 |
| Net interest margin | 4.5784% | 496 |
| Noninterest income to average assets | 0.9214% | 1,211 |
| Noninterest expense to average assets | 3.3713% | 1,225 |
| Loan and lease loss provision to assets | 0.0915% | 2,157 |
| Net operating income to assets | 1.6060% | 696 |
| Return on assets (ROA) | 1.6060% | 718 |
| Pretax return on assets | 1.6060% | 1,324 |
| Return on Equity (ROE) | 17.3387% | 382 |
| Retained earnings to average equity (ytd only) | -12.7178% | 5,684 |
| Net charge-offs to loans | 0.1637% | 1,185 |
| Credit loss provision to net charge-offs | 73.5409% | 2,339 |
| Earnings coverage of net charge-offs (x) | 13.6420% | 2,120 |
| Efficiency ratio | 66.5107% | 3,260 |
| Assets per employee ($millions) | 2.8859% | 5,367 |
| Cash dividends to net income (ytd only)* | 173.3494% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 1,960 |
| Loan loss allowance to noncurrent loans | 118.9733% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.2031% | 1,413 |
| Noncurrent loans to loans | 1.1743% | 1,669 |
| Net loans and leases to total assets | 76.8907% | 1,398 |
| Net loans and leases to deposits | 88.3468% | 1,945 |
| Net loans and leases to core deposits | 93.8652% | 2,162 |
| Total domestic deposits to total assets | 87.0328% | 1,936 |
| Equity capital to assets | 8.9979% | 4,904 |
| Core capital (leverage) ratio | 9.7075% | 3,887 |
| Tier 1 risk-based capital ratio | 13.2424% | 3,846 |
| Total risk-based capital ratio | 14.4949% | 3,754 |
| Memoranda: | ||
| Average total assets | $413,071,000 | 1,673 |
| Average earning assets | $374,190,670 | 1,706 |
| Average equity | $38,261,330 | 1,944 |
| Average total loans | $313,907,330 | 1,514 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0392% | 488 |
| Cost of funding earning assets | 0.4963% | 2,122 |
| Net interest margin | 4.5429% | 488 |
| Noninterest income to average assets | 0.9650% | 1,068 |
| Noninterest expense to average assets | 3.3770% | 1,241 |
| Loan and lease loss provision to assets | 0.0861% | 2,096 |
| Net operating income to assets | 1.6125% | 661 |
| Return on assets (ROA) | 1.6125% | 678 |
| Pretax return on assets | 1.6125% | 1,201 |
| Return on Equity (ROE) | 17.1640% | 401 |
| Retained earnings to average equity (ytd only) | -1.3805% | 5,112 |
| Net charge-offs to loans | 0.1278% | 1,155 |
| Credit loss provision to net charge-offs | 89.8990% | 1,691 |
| Earnings coverage of net charge-offs (x) | 17.7273% | 1,591 |
| Efficiency ratio | 66.5332% | 3,406 |
| Assets per employee ($millions) | 3.0074% | 5,345 |
| Cash dividends to net income (ytd only)* | 108.0432% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 1,831 |
| Loan loss allowance to noncurrent loans | 135.5761% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.1738% | 1,501 |
| Noncurrent loans to loans | 1.0765% | 1,902 |
| Net loans and leases to total assets | 73.0288% | 1,909 |
| Net loans and leases to deposits | 84.0711% | 2,279 |
| Net loans and leases to core deposits | 88.5679% | 2,489 |
| Total domestic deposits to total assets | 86.8656% | 2,282 |
| Equity capital to assets | 9.2492% | 4,569 |
| Core capital (leverage) ratio | 10.3458% | 3,065 |
| Tier 1 risk-based capital ratio | 14.4350% | 3,236 |
| Total risk-based capital ratio | 15.6882% | 3,160 |
| Memoranda: | ||
| Average total assets | $413,263,500 | 1,683 |
| Average earning assets | $373,948,500 | 1,718 |
| Average equity | $38,825,500 | 1,930 |
| Average total loans | $309,954,500 | 1,532 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1668% | 438 |
| Cost of funding earning assets | 0.4308% | 2,698 |
| Net interest margin | 4.7360% | 400 |
| Noninterest income to average assets | 1.0418% | 1,042 |
| Noninterest expense to average assets | 3.6039% | 1,013 |
| Loan and lease loss provision to assets | 0.1020% | 2,341 |
| Net operating income to assets | 1.6097% | 660 |
| Return on assets (ROA) | 1.6110% | 685 |
| Pretax return on assets | 1.6110% | 1,245 |
| Return on Equity (ROE) | 16.3971% | 472 |
| Retained earnings to average equity (ytd only) | 3.5849% | 3,377 |
| Net charge-offs to loans | 0.1023% | 2,253 |
| Credit loss provision to net charge-offs | 132.7869% | 2,036 |
| Earnings coverage of net charge-offs (x) | 22.2918% | 1,739 |
| Efficiency ratio | 67.7986% | 3,278 |
| Assets per employee ($millions) | 2.8964% | 5,426 |
| Cash dividends to net income (ytd only)* | 78.1372% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 1,740 |
| Loan loss allowance to noncurrent loans | 116.2803% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.2974% | 1,355 |
| Noncurrent loans to loans | 1.2748% | 1,605 |
| Net loans and leases to total assets | 74.8015% | 1,724 |
| Net loans and leases to deposits | 86.5016% | 2,103 |
| Net loans and leases to core deposits | 91.1270% | 2,384 |
| Total domestic deposits to total assets | 86.4741% | 2,385 |
| Equity capital to assets | 9.5461% | 4,222 |
| Core capital (leverage) ratio | 10.8244% | 2,511 |
| Tier 1 risk-based capital ratio | 14.6904% | 3,108 |
| Total risk-based capital ratio | 15.9440% | 3,048 |
| Memoranda: | ||
| Average total assets | $397,213,400 | 1,696 |
| Average earning assets | $358,444,400 | 1,732 |
| Average equity | $39,025,200 | 1,877 |
| Average total loans | $298,207,600 | 1,526 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1596% | 450 |
| Cost of funding earning assets | 0.4312% | 2,726 |
| Net interest margin | 4.7284% | 415 |
| Noninterest income to average assets | 1.0416% | 1,047 |
| Noninterest expense to average assets | 3.4481% | 1,251 |
| Loan and lease loss provision to assets | 0.1140% | 2,028 |
| Net operating income to assets | 1.7451% | 544 |
| Return on assets (ROA) | 1.7462% | 577 |
| Pretax return on assets | 1.7462% | 1,011 |
| Return on Equity (ROE) | 17.6447% | 383 |
| Retained earnings to average equity (ytd only) | 6.7340% | 1,764 |
| Net charge-offs to loans | 0.1122% | 1,820 |
| Credit loss provision to net charge-offs | 135.7430% | 1,912 |
| Earnings coverage of net charge-offs (x) | 22.1286% | 1,777 |
| Efficiency ratio | 64.9692% | 3,768 |
| Assets per employee ($millions) | 2.8993% | 5,468 |
| Cash dividends to net income (ytd only)* | 61.8357% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 1,747 |
| Loan loss allowance to noncurrent loans | 128.5069% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 1.2442% | 1,578 |
| Noncurrent loans to loans | 1.1716% | 1,912 |
| Net loans and leases to total assets | 74.4418% | 1,799 |
| Net loans and leases to deposits | 85.5963% | 2,303 |
| Net loans and leases to core deposits | 89.8266% | 2,594 |
| Total domestic deposits to total assets | 86.9685% | 1,913 |
| Equity capital to assets | 10.2055% | 3,908 |
| Core capital (leverage) ratio | 10.8872% | 2,584 |
| Tier 1 risk-based capital ratio | 15.0726% | 3,017 |
| Total risk-based capital ratio | 16.3264% | 2,952 |
| Memoranda: | ||
| Average total assets | $395,142,750 | 1,706 |
| Average earning assets | $356,478,250 | 1,742 |
| Average equity | $39,104,250 | 1,887 |
| Average total loans | $295,789,250 | 1,540 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1478% | 460 |
| Cost of funding earning assets | 0.4328% | 2,712 |
| Net interest margin | 4.7151% | 415 |
| Noninterest income to average assets | 1.0765% | 968 |
| Noninterest expense to average assets | 3.4649% | 1,233 |
| Loan and lease loss provision to assets | 0.1454% | 1,578 |
| Net operating income to assets | 1.7190% | 565 |
| Return on assets (ROA) | 1.7205% | 590 |
| Pretax return on assets | 1.7205% | 1,047 |
| Return on Equity (ROE) | 17.5716% | 391 |
| Retained earnings to average equity (ytd only) | 0.9603% | 5,008 |
| Net charge-offs to loans | 0.0845% | 2,002 |
| Credit loss provision to net charge-offs | 230.6452% | 1,183 |
| Earnings coverage of net charge-offs (x) | 29.5806% | 1,397 |
| Efficiency ratio | 65.0167% | 3,847 |
| Assets per employee ($millions) | 2.8830% | 5,544 |
| Cash dividends to net income (ytd only)* | 94.5347% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 1,566 |
| Loan loss allowance to noncurrent loans | 125.1623% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2800% | 1,592 |
| Noncurrent loans to loans | 1.2676% | 1,798 |
| Net loans and leases to total assets | 73.7258% | 1,894 |
| Net loans and leases to deposits | 84.6360% | 2,391 |
| Net loans and leases to core deposits | 90.1907% | 2,517 |
| Total domestic deposits to total assets | 87.1093% | 1,858 |
| Equity capital to assets | 10.0028% | 4,223 |
| Core capital (leverage) ratio | 10.6141% | 2,836 |
| Tier 1 risk-based capital ratio | 14.9710% | 3,089 |
| Total risk-based capital ratio | 16.2259% | 3,034 |
| Memoranda: | ||
| Average total assets | $393,488,000 | 1,716 |
| Average earning assets | $354,906,000 | 1,750 |
| Average equity | $38,528,000 | 1,913 |
| Average total loans | $293,585,670 | 1,551 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 500 |
| Cost of funding earning assets | 0.4345% | 2,727 |
| Net interest margin | 4.6586% | 452 |
| Noninterest income to average assets | 1.2112% | 739 |
| Noninterest expense to average assets | 3.4578% | 1,266 |
| Loan and lease loss provision to assets | 0.2285% | 812 |
| Net operating income to assets | 1.7309% | 532 |
| Return on assets (ROA) | 1.7309% | 568 |
| Pretax return on assets | 1.7309% | 986 |
| Return on Equity (ROE) | 17.8678% | 367 |
| Retained earnings to average equity (ytd only) | -0.9184% | 5,272 |
| Net charge-offs to loans | 0.1494% | 1,216 |
| Credit loss provision to net charge-offs | 205.4545% | 1,060 |
| Earnings coverage of net charge-offs (x) | 17.6182% | 1,569 |
| Efficiency ratio | 63.8298% | 4,153 |
| Assets per employee ($millions) | 2.9465% | 5,554 |
| Cash dividends to net income (ytd only)* | 105.1402% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5736% | 1,703 |
| Loan loss allowance to noncurrent loans | 119.4887% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.1838% | 1,855 |
| Noncurrent loans to loans | 1.3169% | 1,814 |
| Net loans and leases to total assets | 72.5568% | 1,943 |
| Net loans and leases to deposits | 82.9361% | 2,436 |
| Net loans and leases to core deposits | 88.5348% | 2,512 |
| Total domestic deposits to total assets | 87.4851% | 1,935 |
| Equity capital to assets | 9.7445% | 4,404 |
| Core capital (leverage) ratio | 10.2923% | 3,203 |
| Tier 1 risk-based capital ratio | 14.8875% | 3,205 |
| Total risk-based capital ratio | 16.1422% | 3,145 |
| Memoranda: | ||
| Average total assets | $395,626,500 | 1,711 |
| Average earning assets | $357,192,000 | 1,738 |
| Average equity | $38,326,000 | 1,915 |
| Average total loans | $294,591,000 | 1,543 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1795% | 447 |
| Cost of funding earning assets | 0.4938% | 2,211 |
| Net interest margin | 4.6857% | 459 |
| Noninterest income to average assets | 0.9717% | 1,254 |
| Noninterest expense to average assets | 3.5627% | 1,188 |
| Loan and lease loss provision to assets | 0.2072% | 1,021 |
| Net operating income to assets | 1.4431% | 958 |
| Return on assets (ROA) | 1.4459% | 988 |
| Pretax return on assets | 1.4459% | 1,738 |
| Return on Equity (ROE) | 15.0135% | 684 |
| Retained earnings to average equity (ytd only) | 3.6496% | 3,453 |
| Net charge-offs to loans | 0.3520% | 842 |
| Credit loss provision to net charge-offs | 79.6477% | 2,954 |
| Earnings coverage of net charge-offs (x) | 6.3444% | 3,241 |
| Efficiency ratio | 68.3429% | 3,502 |
| Assets per employee ($millions) | 2.9584% | 5,562 |
| Cash dividends to net income (ytd only)* | 75.6909% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 2,022 |
| Loan loss allowance to noncurrent loans | 110.9896% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.2242% | 1,765 |
| Noncurrent loans to loans | 1.3491% | 1,739 |
| Net loans and leases to total assets | 74.0780% | 1,713 |
| Net loans and leases to deposits | 84.5576% | 2,296 |
| Net loans and leases to core deposits | 90.0860% | 2,397 |
| Total domestic deposits to total assets | 87.6065% | 1,841 |
| Equity capital to assets | 9.6305% | 4,397 |
| Core capital (leverage) ratio | 10.4681% | 2,964 |
| Tier 1 risk-based capital ratio | 14.6300% | 3,365 |
| Total risk-based capital ratio | 15.8837% | 3,286 |
| Memoranda: | ||
| Average total assets | $392,901,400 | 1,674 |
| Average earning assets | $355,634,000 | 1,701 |
| Average equity | $37,839,400 | 1,894 |
| Average total loans | $290,322,000 | 1,503 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1598% | 465 |
| Cost of funding earning assets | 0.5072% | 2,150 |
| Net interest margin | 4.6526% | 495 |
| Noninterest income to average assets | 0.9700% | 1,260 |
| Noninterest expense to average assets | 3.4593% | 1,362 |
| Loan and lease loss provision to assets | 0.1282% | 1,766 |
| Net operating income to assets | 1.5978% | 773 |
| Return on assets (ROA) | 1.6016% | 797 |
| Pretax return on assets | 1.6016% | 1,377 |
| Return on Equity (ROE) | 16.6297% | 515 |
| Retained earnings to average equity (ytd only) | 5.3290% | 2,700 |
| Net charge-offs to loans | 0.2524% | 1,041 |
| Credit loss provision to net charge-offs | 69.0476% | 2,787 |
| Earnings coverage of net charge-offs (x) | 9.2949% | 2,712 |
| Efficiency ratio | 66.7126% | 3,762 |
| Assets per employee ($millions) | 2.9605% | 5,590 |
| Cash dividends to net income (ytd only)* | 67.9550% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 2,007 |
| Loan loss allowance to noncurrent loans | 95.1204% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.5046% | 1,498 |
| Noncurrent loans to loans | 1.6162% | 1,529 |
| Net loans and leases to total assets | 72.7026% | 1,957 |
| Net loans and leases to deposits | 84.1805% | 2,389 |
| Net loans and leases to core deposits | 89.6216% | 2,501 |
| Total domestic deposits to total assets | 86.3652% | 2,355 |
| Equity capital to assets | 9.8630% | 4,324 |
| Core capital (leverage) ratio | 10.5269% | 3,015 |
| Tier 1 risk-based capital ratio | 14.8060% | 3,384 |
| Total risk-based capital ratio | 16.0601% | 3,328 |
| Memoranda: | ||
| Average total assets | $392,020,000 | 1,694 |
| Average earning assets | $355,175,000 | 1,712 |
| Average equity | $37,754,750 | 1,909 |
| Average total loans | $288,370,250 | 1,515 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1431% | 463 |
| Cost of funding earning assets | 0.5179% | 2,084 |
| Net interest margin | 4.6251% | 513 |
| Noninterest income to average assets | 0.9778% | 1,228 |
| Noninterest expense to average assets | 3.5364% | 1,244 |
| Loan and lease loss provision to assets | 0.0748% | 2,619 |
| Net operating income to assets | 1.5566% | 821 |
| Return on assets (ROA) | 1.5566% | 849 |
| Pretax return on assets | 1.5566% | 1,466 |
| Return on Equity (ROE) | 16.2961% | 575 |
| Retained earnings to average equity (ytd only) | -0.8633% | 5,671 |
| Net charge-offs to loans | 0.1806% | 1,375 |
| Credit loss provision to net charge-offs | 56.3707% | 2,635 |
| Earnings coverage of net charge-offs (x) | 12.2973% | 2,217 |
| Efficiency ratio | 68.4310% | 3,607 |
| Assets per employee ($millions) | 2.8762% | 5,734 |
| Cash dividends to net income (ytd only)* | 105.2978% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5780% | 1,976 |
| Loan loss allowance to noncurrent loans | 88.4556% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.5592% | 1,563 |
| Noncurrent loans to loans | 1.7839% | 1,436 |
| Net loans and leases to total assets | 72.1632% | 1,952 |
| Net loans and leases to deposits | 83.3373% | 2,395 |
| Net loans and leases to core deposits | 89.0927% | 2,441 |
| Total domestic deposits to total assets | 86.5917% | 2,379 |
| Equity capital to assets | 9.4008% | 4,777 |
| Core capital (leverage) ratio | 10.0513% | 3,530 |
| Tier 1 risk-based capital ratio | 14.4752% | 3,656 |
| Total risk-based capital ratio | 15.7300% | 3,575 |
| Memoranda: | ||
| Average total assets | $390,458,330 | 1,704 |
| Average earning assets | $353,719,000 | 1,731 |
| Average equity | $37,297,330 | 1,934 |
| Average total loans | $286,854,330 | 1,530 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 449 |
| Cost of funding earning assets | 0.5266% | 2,038 |
| Net interest margin | 4.6152% | 485 |
| Noninterest income to average assets | 1.0281% | 1,058 |
| Noninterest expense to average assets | 3.6267% | 1,106 |
| Loan and lease loss provision to assets | 0.0751% | 2,448 |
| Net operating income to assets | 1.5026% | 844 |
| Return on assets (ROA) | 1.5026% | 895 |
| Pretax return on assets | 1.5026% | 1,564 |
| Return on Equity (ROE) | 15.6048% | 617 |
| Retained earnings to average equity (ytd only) | -3.6340% | 5,838 |
| Net charge-offs to loans | 0.1315% | 1,460 |
| Credit loss provision to net charge-offs | 77.6596% | 1,852 |
| Earnings coverage of net charge-offs (x) | 16.3085% | 1,576 |
| Efficiency ratio | 69.6856% | 3,545 |
| Assets per employee ($millions) | 2.8030% | 5,884 |
| Cash dividends to net income (ytd only)* | 123.2877% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 1,934 |
| Loan loss allowance to noncurrent loans | 98.3090% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.5303% | 1,698 |
| Noncurrent loans to loans | 1.6633% | 1,670 |
| Net loans and leases to total assets | 70.2932% | 2,095 |
| Net loans and leases to deposits | 81.0473% | 2,444 |
| Net loans and leases to core deposits | 86.6025% | 2,482 |
| Total domestic deposits to total assets | 86.7310% | 2,534 |
| Equity capital to assets | 9.4309% | 4,829 |
| Core capital (leverage) ratio | 10.3041% | 3,210 |
| Tier 1 risk-based capital ratio | 14.7612% | 3,568 |
| Total risk-based capital ratio | 16.0168% | 3,494 |
| Memoranda: | ||
| Average total assets | $388,668,000 | 1,718 |
| Average earning assets | $351,711,000 | 1,750 |
| Average equity | $37,424,500 | 1,943 |
| Average total loans | $285,826,500 | 1,539 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4361% | 354 |
| Cost of funding earning assets | 0.5794% | 1,959 |
| Net interest margin | 4.8567% | 391 |
| Noninterest income to average assets | 1.0128% | 1,187 |
| Noninterest expense to average assets | 3.5746% | 1,349 |
| Loan and lease loss provision to assets | 0.2445% | 947 |
| Net operating income to assets | 1.5600% | 780 |
| Return on assets (ROA) | 1.5624% | 802 |
| Pretax return on assets | 1.5624% | 1,346 |
| Return on Equity (ROE) | 16.5868% | 540 |
| Retained earnings to average equity (ytd only) | 4.9955% | 2,603 |
| Net charge-offs to loans | 0.0763% | 3,394 |
| Credit loss provision to net charge-offs | 443.4783% | 588 |
| Earnings coverage of net charge-offs (x) | 32.7343% | 1,253 |
| Efficiency ratio | 66.4538% | 4,166 |
| Assets per employee ($millions) | 2.7093% | 6,016 |
| Cash dividends to net income (ytd only)* | 69.8824% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 2,002 |
| Loan loss allowance to noncurrent loans | 117.8310% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.4123% | 1,962 |
| Noncurrent loans to loans | 1.3805% | 2,121 |
| Net loans and leases to total assets | 74.4893% | 1,497 |
| Net loans and leases to deposits | 86.3073% | 1,941 |
| Net loans and leases to core deposits | 92.4999% | 2,037 |
| Total domestic deposits to total assets | 86.3070% | 2,667 |
| Equity capital to assets | 9.8367% | 4,304 |
| Core capital (leverage) ratio | 10.7076% | 2,711 |
| Tier 1 risk-based capital ratio | 15.1107% | 3,432 |
| Total risk-based capital ratio | 16.3667% | 3,379 |
| Memoranda: | ||
| Average total assets | $375,510,600 | 1,738 |
| Average earning assets | $337,597,800 | 1,776 |
| Average equity | $35,371,600 | 1,977 |
| Average total loans | $271,343,600 | 1,570 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4248% | 357 |
| Cost of funding earning assets | 0.5880% | 1,945 |
| Net interest margin | 4.8367% | 397 |
| Noninterest income to average assets | 1.0106% | 1,202 |
| Noninterest expense to average assets | 3.4297% | 1,592 |
| Loan and lease loss provision to assets | 0.2065% | 1,135 |
| Net operating income to assets | 1.7193% | 594 |
| Return on assets (ROA) | 1.7225% | 612 |
| Pretax return on assets | 1.7225% | 1,026 |
| Return on Equity (ROE) | 18.4937% | 398 |
| Retained earnings to average equity (ytd only) | 7.0283% | 1,809 |
| Net charge-offs to loans | 0.0459% | 3,575 |
| Credit loss provision to net charge-offs | 630.4348% | 471 |
| Earnings coverage of net charge-offs (x) | 58.8060% | 879 |
| Efficiency ratio | 64.0412% | 4,534 |
| Assets per employee ($millions) | 2.8031% | 5,958 |
| Cash dividends to net income (ytd only)* | 61.9963% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 2,366 |
| Loan loss allowance to noncurrent loans | 130.9685% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.3520% | 2,286 |
| Noncurrent loans to loans | 1.2073% | 2,628 |
| Net loans and leases to total assets | 72.6391% | 1,737 |
| Net loans and leases to deposits | 83.9567% | 2,156 |
| Net loans and leases to core deposits | 90.5438% | 2,171 |
| Total domestic deposits to total assets | 86.5197% | 2,578 |
| Equity capital to assets | 9.6392% | 4,625 |
| Core capital (leverage) ratio | 10.7323% | 2,786 |
| Tier 1 risk-based capital ratio | 15.3482% | 3,396 |
| Total risk-based capital ratio | 16.6035% | 3,328 |
| Memoranda: | ||
| Average total assets | $374,562,500 | 1,759 |
| Average earning assets | $336,472,250 | 1,792 |
| Average equity | $34,886,750 | 2,010 |
| Average total loans | $267,376,500 | 1,598 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3910% | 379 |
| Cost of funding earning assets | 0.5986% | 1,908 |
| Net interest margin | 4.7924% | 417 |
| Noninterest income to average assets | 0.9899% | 1,229 |
| Noninterest expense to average assets | 3.4699% | 1,535 |
| Loan and lease loss provision to assets | 0.1488% | 1,661 |
| Net operating income to assets | 1.6759% | 605 |
| Return on assets (ROA) | 1.6759% | 643 |
| Pretax return on assets | 1.6759% | 1,074 |
| Return on Equity (ROE) | 18.2099% | 443 |
| Retained earnings to average equity (ytd only) | 0.7004% | 5,457 |
| Net charge-offs to loans | -0.0167% | 5,480 |
| Credit loss provision to net charge-offs | -1,259.0909% | 5,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5372% | 4,436 |
| Assets per employee ($millions) | 2.7950% | 6,033 |
| Cash dividends to net income (ytd only)* | 96.1538% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 2,596 |
| Loan loss allowance to noncurrent loans | 109.2028% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.4064% | 2,329 |
| Noncurrent loans to loans | 1.4345% | 2,409 |
| Net loans and leases to total assets | 70.4199% | 2,015 |
| Net loans and leases to deposits | 80.7961% | 2,409 |
| Net loans and leases to core deposits | 87.6419% | 2,352 |
| Total domestic deposits to total assets | 87.1576% | 2,367 |
| Equity capital to assets | 9.1938% | 5,114 |
| Core capital (leverage) ratio | 10.3654% | 3,122 |
| Tier 1 risk-based capital ratio | 15.1671% | 3,546 |
| Total risk-based capital ratio | 16.4223% | 3,486 |
| Memoranda: | ||
| Average total assets | $372,344,670 | 1,764 |
| Average earning assets | $334,449,330 | 1,800 |
| Average equity | $34,267,000 | 2,027 |
| Average total loans | $262,715,000 | 1,620 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3525% | 379 |
| Cost of funding earning assets | 0.6255% | 1,767 |
| Net interest margin | 4.7270% | 441 |
| Noninterest income to average assets | 1.0140% | 1,101 |
| Noninterest expense to average assets | 3.4859% | 1,515 |
| Loan and lease loss provision to assets | 0.1248% | 1,939 |
| Net operating income to assets | 1.6447% | 623 |
| Return on assets (ROA) | 1.6447% | 650 |
| Pretax return on assets | 1.6447% | 1,082 |
| Return on Equity (ROE) | 17.8621% | 448 |
| Retained earnings to average equity (ytd only) | -3.3602% | 6,000 |
| Net charge-offs to loans | -0.1860% | 6,357 |
| Credit loss provision to net charge-offs | -95.8333% | 4,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3293% | 4,481 |
| Assets per employee ($millions) | 2.8068% | 6,092 |
| Cash dividends to net income (ytd only)* | 118.8119% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 2,630 |
| Loan loss allowance to noncurrent loans | 182.7526% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.2578% | 2,758 |
| Noncurrent loans to loans | 0.8836% | 3,675 |
| Net loans and leases to total assets | 69.0049% | 2,057 |
| Net loans and leases to deposits | 79.5460% | 2,360 |
| Net loans and leases to core deposits | 86.3666% | 2,279 |
| Total domestic deposits to total assets | 86.7485% | 2,967 |
| Equity capital to assets | 9.1743% | 4,903 |
| Core capital (leverage) ratio | 10.5553% | 2,862 |
| Tier 1 risk-based capital ratio | 15.6027% | 3,378 |
| Total risk-based capital ratio | 16.8585% | 3,340 |
| Memoranda: | ||
| Average total assets | $368,455,000 | 1,783 |
| Average earning assets | $330,612,500 | 1,823 |
| Average equity | $33,926,500 | 2,037 |
| Average total loans | $258,101,000 | 1,648 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5266% | 348 |
| Cost of funding earning assets | 0.8708% | 859 |
| Net interest margin | 4.6559% | 546 |
| Noninterest income to average assets | 0.9747% | 1,448 |
| Noninterest expense to average assets | 3.5437% | 1,561 |
| Loan and lease loss provision to assets | 0.2328% | 1,547 |
| Net operating income to assets | 1.3539% | 1,127 |
| Return on assets (ROA) | 1.3879% | 1,086 |
| Pretax return on assets | 1.3879% | 1,830 |
| Return on Equity (ROE) | 15.0195% | 761 |
| Retained earnings to average equity (ytd only) | 2.6892% | 4,323 |
| Net charge-offs to loans | 0.2986% | 2,198 |
| Credit loss provision to net charge-offs | 114.4000% | 2,112 |
| Earnings coverage of net charge-offs (x) | 7.7987% | 2,782 |
| Efficiency ratio | 69.0725% | 3,999 |
| Assets per employee ($millions) | 2.7141% | 6,202 |
| Cash dividends to net income (ytd only)* | 82.0954% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 2,979 |
| Loan loss allowance to noncurrent loans | 126.7520% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 2,804 |
| Noncurrent loans to loans | 1.2191% | 3,107 |
| Net loans and leases to total assets | 68.8796% | 2,195 |
| Net loans and leases to deposits | 79.4433% | 2,527 |
| Net loans and leases to core deposits | 86.1554% | 2,428 |
| Total domestic deposits to total assets | 86.7028% | 2,877 |
| Equity capital to assets | 9.2416% | 4,757 |
| Core capital (leverage) ratio | 10.4408% | 2,973 |
| Tier 1 risk-based capital ratio | 15.9273% | 3,132 |
| Total risk-based capital ratio | 17.1820% | 3,086 |
| Memoranda: | ||
| Average total assets | $368,626,400 | 1,769 |
| Average earning assets | $329,024,400 | 1,805 |
| Average equity | $34,062,400 | 2,022 |
| Average total loans | $251,158,400 | 1,654 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5526% | 341 |
| Cost of funding earning assets | 0.8923% | 845 |
| Net interest margin | 4.6603% | 552 |
| Noninterest income to average assets | 0.9137% | 1,709 |
| Noninterest expense to average assets | 3.4522% | 1,712 |
| Loan and lease loss provision to assets | 0.1791% | 2,032 |
| Net operating income to assets | 1.4341% | 1,017 |
| Return on assets (ROA) | 1.4793% | 976 |
| Pretax return on assets | 1.4793% | 1,669 |
| Return on Equity (ROE) | 16.0094% | 649 |
| Retained earnings to average equity (ytd only) | 3.5021% | 4,200 |
| Net charge-offs to loans | 0.3538% | 1,782 |
| Credit loss provision to net charge-offs | 74.8115% | 2,969 |
| Earnings coverage of net charge-offs (x) | 6.7375% | 2,917 |
| Efficiency ratio | 68.1520% | 4,069 |
| Assets per employee ($millions) | 2.7712% | 6,196 |
| Cash dividends to net income (ytd only)* | 78.1250% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 3,621 |
| Loan loss allowance to noncurrent loans | 132.0201% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.2188% | 3,206 |
| Noncurrent loans to loans | 1.1097% | 3,577 |
| Net loans and leases to total assets | 66.7647% | 2,505 |
| Net loans and leases to deposits | 76.9745% | 2,822 |
| Net loans and leases to core deposits | 83.3565% | 2,724 |
| Total domestic deposits to total assets | 86.7361% | 2,831 |
| Equity capital to assets | 9.1916% | 4,947 |
| Core capital (leverage) ratio | 10.4460% | 3,067 |
| Tier 1 risk-based capital ratio | 15.9229% | 3,240 |
| Total risk-based capital ratio | 17.1763% | 3,186 |
| Memoranda: | ||
| Average total assets | $369,180,750 | 1,778 |
| Average earning assets | $328,895,250 | 1,818 |
| Average equity | $34,112,500 | 2,031 |
| Average total loans | $249,862,500 | 1,663 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6170% | 308 |
| Cost of funding earning assets | 0.9093% | 855 |
| Net interest margin | 4.7077% | 500 |
| Noninterest income to average assets | 0.9048% | 1,799 |
| Noninterest expense to average assets | 3.5038% | 1,596 |
| Loan and lease loss provision to assets | 0.1813% | 2,096 |
| Net operating income to assets | 1.4069% | 1,063 |
| Return on assets (ROA) | 1.4069% | 1,149 |
| Pretax return on assets | 1.4069% | 1,908 |
| Return on Equity (ROE) | 15.1997% | 772 |
| Retained earnings to average equity (ytd only) | -3.5654% | 6,361 |
| Net charge-offs to loans | 0.3482% | 1,799 |
| Credit loss provision to net charge-offs | 76.9585% | 2,682 |
| Earnings coverage of net charge-offs (x) | 6.7419% | 2,663 |
| Efficiency ratio | 68.8093% | 4,037 |
| Assets per employee ($millions) | 2.8610% | 6,082 |
| Cash dividends to net income (ytd only)* | 123.4568% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 3,625 |
| Loan loss allowance to noncurrent loans | 215.6897% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 1.0271% | 3,698 |
| Noncurrent loans to loans | 0.6919% | 4,553 |
| Net loans and leases to total assets | 65.6017% | 2,661 |
| Net loans and leases to deposits | 75.1636% | 2,997 |
| Net loans and leases to core deposits | 81.4887% | 2,859 |
| Total domestic deposits to total assets | 87.2785% | 2,671 |
| Equity capital to assets | 8.7104% | 5,536 |
| Core capital (leverage) ratio | 10.1500% | 3,294 |
| Tier 1 risk-based capital ratio | 15.3201% | 3,585 |
| Total risk-based capital ratio | 16.5736% | 3,537 |
| Memoranda: | ||
| Average total assets | $368,461,000 | 1,776 |
| Average earning assets | $327,721,670 | 1,829 |
| Average equity | $34,106,000 | 2,041 |
| Average total loans | $249,280,000 | 1,663 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7210% | 263 |
| Cost of funding earning assets | 0.9485% | 788 |
| Net interest margin | 4.7724% | 421 |
| Noninterest income to average assets | 0.9278% | 1,665 |
| Noninterest expense to average assets | 3.5541% | 1,510 |
| Loan and lease loss provision to assets | 0.2298% | 1,592 |
| Net operating income to assets | 1.3642% | 1,115 |
| Return on assets (ROA) | 1.3642% | 1,206 |
| Pretax return on assets | 1.3642% | 1,996 |
| Return on Equity (ROE) | 14.3007% | 900 |
| Retained earnings to average equity (ytd only) | -11.0511% | 6,655 |
| Net charge-offs to loans | 0.5980% | 1,020 |
| Credit loss provision to net charge-offs | 56.3342% | 2,501 |
| Earnings coverage of net charge-offs (x) | 3.9084% | 2,647 |
| Efficiency ratio | 69.0369% | 4,141 |
| Assets per employee ($millions) | 2.8314% | 6,243 |
| Cash dividends to net income (ytd only)* | 177.2764% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 3,817 |
| Loan loss allowance to noncurrent loans | 218.5317% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 1.0617% | 3,809 |
| Noncurrent loans to loans | 0.6875% | 4,753 |
| Net loans and leases to total assets | 66.2461% | 2,326 |
| Net loans and leases to deposits | 76.6565% | 2,530 |
| Net loans and leases to core deposits | 83.5168% | 2,385 |
| Total domestic deposits to total assets | 86.4194% | 3,292 |
| Equity capital to assets | 9.3550% | 5,053 |
| Core capital (leverage) ratio | 10.2874% | 3,027 |
| Tier 1 risk-based capital ratio | 15.5769% | 3,485 |
| Total risk-based capital ratio | 16.8305% | 3,448 |
| Memoranda: | ||
| Average total assets | $363,865,500 | 1,811 |
| Average earning assets | $321,763,500 | 1,878 |
| Average equity | $34,711,500 | 2,032 |
| Average total loans | $248,170,500 | 1,675 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1442% | 216 |
| Cost of funding earning assets | 1.1888% | 613 |
| Net interest margin | 4.9554% | 410 |
| Noninterest income to average assets | 0.9682% | 1,639 |
| Noninterest expense to average assets | 3.5153% | 1,778 |
| Loan and lease loss provision to assets | 0.2485% | 2,669 |
| Net operating income to assets | 1.5666% | 801 |
| Return on assets (ROA) | 1.5677% | 878 |
| Pretax return on assets | 1.5677% | 1,466 |
| Return on Equity (ROE) | 16.4157% | 602 |
| Retained earnings to average equity (ytd only) | 3.2901% | 3,915 |
| Net charge-offs to loans | 0.4653% | 2,376 |
| Credit loss provision to net charge-offs | 74.0249% | 4,041 |
| Earnings coverage of net charge-offs (x) | 5.4075% | 3,047 |
| Efficiency ratio | 65.9490% | 4,516 |
| Assets per employee ($millions) | 2.8099% | 6,302 |
| Cash dividends to net income (ytd only)* | 79.9574% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 3,583 |
| Loan loss allowance to noncurrent loans | 122.9812% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 1.6337% | 2,952 |
| Noncurrent loans to loans | 1.2498% | 3,750 |
| Net loans and leases to total assets | 68.0954% | 2,165 |
| Net loans and leases to deposits | 80.4533% | 2,225 |
| Net loans and leases to core deposits | 87.0906% | 2,181 |
| Total domestic deposits to total assets | 84.6397% | 4,020 |
| Equity capital to assets | 9.7258% | 4,562 |
| Core capital (leverage) ratio | 10.4830% | 2,786 |
| Tier 1 risk-based capital ratio | 15.6639% | 3,339 |
| Total risk-based capital ratio | 16.9183% | 3,294 |
| Memoranda: | ||
| Average total assets | $359,004,400 | 1,807 |
| Average earning assets | $316,021,600 | 1,875 |
| Average equity | $34,284,200 | 2,020 |
| Average total loans | $258,982,400 | 1,600 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2085% | 209 |
| Cost of funding earning assets | 1.2354% | 589 |
| Net interest margin | 4.9731% | 422 |
| Noninterest income to average assets | 0.9605% | 1,639 |
| Noninterest expense to average assets | 3.4392% | 1,900 |
| Loan and lease loss provision to assets | 0.1772% | 3,366 |
| Net operating income to assets | 1.7185% | 663 |
| Return on assets (ROA) | 1.7200% | 727 |
| Pretax return on assets | 1.7200% | 1,217 |
| Return on Equity (ROE) | 18.0950% | 489 |
| Retained earnings to average equity (ytd only) | 0.4700% | 5,949 |
| Net charge-offs to loans | 0.2615% | 3,153 |
| Credit loss provision to net charge-offs | 92.9688% | 3,209 |
| Earnings coverage of net charge-offs (x) | 9.9453% | 2,252 |
| Efficiency ratio | 64.4662% | 4,721 |
| Assets per employee ($millions) | 2.8505% | 6,291 |
| Cash dividends to net income (ytd only)* | 97.4025% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 3,517 |
| Loan loss allowance to noncurrent loans | 119.6061% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.5467% | 3,266 |
| Noncurrent loans to loans | 1.3378% | 3,795 |
| Net loans and leases to total assets | 70.7177% | 1,778 |
| Net loans and leases to deposits | 83.0597% | 1,994 |
| Net loans and leases to core deposits | 89.6351% | 2,034 |
| Total domestic deposits to total assets | 85.1408% | 3,688 |
| Equity capital to assets | 9.5417% | 5,154 |
| Core capital (leverage) ratio | 10.4178% | 3,014 |
| Tier 1 risk-based capital ratio | 14.7641% | 4,005 |
| Total risk-based capital ratio | 16.0192% | 3,955 |
| Memoranda: | ||
| Average total assets | $358,135,250 | 1,838 |
| Average earning assets | $315,021,000 | 1,902 |
| Average equity | $34,041,750 | 2,047 |
| Average total loans | $261,056,500 | 1,596 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2366% | 207 |
| Cost of funding earning assets | 1.2890% | 551 |
| Net interest margin | 4.9476% | 436 |
| Noninterest income to average assets | 0.9413% | 1,642 |
| Noninterest expense to average assets | 3.4830% | 1,822 |
| Loan and lease loss provision to assets | 0.1643% | 3,459 |
| Net operating income to assets | 1.6496% | 755 |
| Return on assets (ROA) | 1.6507% | 836 |
| Pretax return on assets | 1.6507% | 1,396 |
| Return on Equity (ROE) | 17.3881% | 589 |
| Retained earnings to average equity (ytd only) | -2.0432% | 6,365 |
| Net charge-offs to loans | 0.2068% | 3,330 |
| Credit loss provision to net charge-offs | 108.4871% | 2,510 |
| Earnings coverage of net charge-offs (x) | 11.9742% | 1,923 |
| Efficiency ratio | 65.7556% | 4,576 |
| Assets per employee ($millions) | 2.7601% | 6,463 |
| Cash dividends to net income (ytd only)* | 111.7508% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 3,574 |
| Loan loss allowance to noncurrent loans | 156.3060% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 1.4672% | 3,503 |
| Noncurrent loans to loans | 1.0294% | 4,451 |
| Net loans and leases to total assets | 71.9438% | 1,560 |
| Net loans and leases to deposits | 84.4233% | 1,802 |
| Net loans and leases to core deposits | 91.1844% | 1,849 |
| Total domestic deposits to total assets | 85.2179% | 3,760 |
| Equity capital to assets | 9.4786% | 5,095 |
| Core capital (leverage) ratio | 10.2182% | 3,119 |
| Tier 1 risk-based capital ratio | 14.5686% | 4,052 |
| Total risk-based capital ratio | 15.8237% | 4,015 |
| Memoranda: | ||
| Average total assets | $357,794,000 | 1,838 |
| Average earning assets | $314,979,000 | 1,891 |
| Average equity | $33,965,670 | 2,040 |
| Average total loans | $262,035,670 | 1,592 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1228% | 255 |
| Cost of funding earning assets | 1.3193% | 585 |
| Net interest margin | 4.8035% | 558 |
| Noninterest income to average assets | 0.9848% | 1,467 |
| Noninterest expense to average assets | 3.4428% | 1,905 |
| Loan and lease loss provision to assets | 0.1271% | 3,755 |
| Net operating income to assets | 1.6539% | 789 |
| Return on assets (ROA) | 1.6561% | 876 |
| Pretax return on assets | 1.6561% | 1,419 |
| Return on Equity (ROE) | 17.4326% | 610 |
| Retained earnings to average equity (ytd only) | -8.3935% | 6,779 |
| Net charge-offs to loans | 0.0791% | 3,707 |
| Credit loss provision to net charge-offs | 219.2308% | 1,265 |
| Earnings coverage of net charge-offs (x) | 30.7115% | 904 |
| Efficiency ratio | 65.9052% | 4,570 |
| Assets per employee ($millions) | 2.7917% | 6,509 |
| Cash dividends to net income (ytd only)* | 148.1481% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 3,645 |
| Loan loss allowance to noncurrent loans | 151.0000% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 1.4870% | 3,635 |
| Noncurrent loans to loans | 1.0725% | 4,554 |
| Net loans and leases to total assets | 71.3185% | 1,517 |
| Net loans and leases to deposits | 83.3936% | 1,740 |
| Net loans and leases to core deposits | 90.1949% | 1,833 |
| Total domestic deposits to total assets | 85.5204% | 3,778 |
| Equity capital to assets | 9.2470% | 5,165 |
| Core capital (leverage) ratio | 10.1449% | 3,180 |
| Tier 1 risk-based capital ratio | 14.4380% | 4,159 |
| Total risk-based capital ratio | 15.6934% | 4,116 |
| Memoranda: | ||
| Average total assets | $358,664,500 | 1,845 |
| Average earning assets | $316,521,500 | 1,895 |
| Average equity | $34,074,000 | 2,031 |
| Average total loans | $262,880,000 | 1,593 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1797% | 325 |
| Cost of funding earning assets | 1.5052% | 702 |
| Net interest margin | 4.6746% | 792 |
| Noninterest income to average assets | 0.9570% | 1,485 |
| Noninterest expense to average assets | 3.3624% | 2,332 |
| Loan and lease loss provision to assets | 0.2465% | 3,744 |
| Net operating income to assets | 1.5007% | 825 |
| Return on assets (ROA) | 1.5035% | 887 |
| Pretax return on assets | 1.5035% | 1,457 |
| Return on Equity (ROE) | 16.0762% | 589 |
| Retained earnings to average equity (ytd only) | 6.4061% | 1,800 |
| Net charge-offs to loans | 0.3064% | 3,867 |
| Credit loss provision to net charge-offs | 108.0488% | 3,124 |
| Earnings coverage of net charge-offs (x) | 7.6573% | 2,298 |
| Efficiency ratio | 65.7826% | 4,817 |
| Assets per employee ($millions) | 2.7690% | 6,504 |
| Cash dividends to net income (ytd only)* | 60.1518% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 3,686 |
| Loan loss allowance to noncurrent loans | 141.3161% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 1.4964% | 3,708 |
| Noncurrent loans to loans | 1.1137% | 4,493 |
| Net loans and leases to total assets | 72.9360% | 1,467 |
| Net loans and leases to deposits | 85.6420% | 1,713 |
| Net loans and leases to core deposits | 92.3573% | 1,853 |
| Total domestic deposits to total assets | 85.1638% | 3,761 |
| Equity capital to assets | 9.7556% | 4,503 |
| Core capital (leverage) ratio | 10.2769% | 2,995 |
| Tier 1 risk-based capital ratio | 14.6911% | 3,835 |
| Total risk-based capital ratio | 15.9464% | 3,812 |
| Memoranda: | ||
| Average total assets | $359,361,200 | 1,804 |
| Average earning assets | $319,236,800 | 1,844 |
| Average equity | $33,608,600 | 1,982 |
| Average total loans | $267,618,800 | 1,573 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1615% | 351 |
| Cost of funding earning assets | 1.5325% | 766 |
| Net interest margin | 4.6290% | 896 |
| Noninterest income to average assets | 0.8491% | 1,841 |
| Noninterest expense to average assets | 3.2086% | 2,802 |
| Loan and lease loss provision to assets | 0.1900% | 4,130 |
| Net operating income to assets | 1.5685% | 819 |
| Return on assets (ROA) | 1.5700% | 892 |
| Pretax return on assets | 1.5700% | 1,460 |
| Return on Equity (ROE) | 16.9691% | 569 |
| Retained earnings to average equity (ytd only) | 3.9560% | 3,902 |
| Net charge-offs to loans | 0.2141% | 4,097 |
| Credit loss provision to net charge-offs | 119.0255% | 2,740 |
| Earnings coverage of net charge-offs (x) | 11.0140% | 1,851 |
| Efficiency ratio | 64.5659% | 4,969 |
| Assets per employee ($millions) | 2.7811% | 6,518 |
| Cash dividends to net income (ytd only)* | 76.6871% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 3,796 |
| Loan loss allowance to noncurrent loans | 123.6181% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 1.3917% | 4,039 |
| Noncurrent loans to loans | 1.2712% | 4,412 |
| Net loans and leases to total assets | 73.0109% | 1,503 |
| Net loans and leases to deposits | 85.4183% | 1,771 |
| Net loans and leases to core deposits | 91.8191% | 2,022 |
| Total domestic deposits to total assets | 85.4746% | 3,511 |
| Equity capital to assets | 9.5294% | 5,035 |
| Core capital (leverage) ratio | 9.9553% | 3,499 |
| Tier 1 risk-based capital ratio | 14.1818% | 4,216 |
| Total risk-based capital ratio | 15.4369% | 4,179 |
| Memoranda: | ||
| Average total assets | $359,901,250 | 1,812 |
| Average earning assets | $320,174,500 | 1,848 |
| Average equity | $33,299,000 | 1,999 |
| Average total loans | $268,350,000 | 1,586 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0941% | 389 |
| Cost of funding earning assets | 1.5505% | 837 |
| Net interest margin | 4.5435% | 1,029 |
| Noninterest income to average assets | 0.8371% | 1,853 |
| Noninterest expense to average assets | 3.2136% | 2,853 |
| Loan and lease loss provision to assets | 0.1854% | 4,064 |
| Net operating income to assets | 1.4983% | 896 |
| Return on assets (ROA) | 1.4983% | 954 |
| Pretax return on assets | 1.4983% | 1,540 |
| Return on Equity (ROE) | 16.3563% | 627 |
| Retained earnings to average equity (ytd only) | 4.2360% | 3,500 |
| Net charge-offs to loans | 0.2334% | 3,724 |
| Credit loss provision to net charge-offs | 106.3694% | 2,902 |
| Earnings coverage of net charge-offs (x) | 9.6592% | 1,894 |
| Efficiency ratio | 65.5747% | 4,960 |
| Assets per employee ($millions) | 2.7758% | 6,510 |
| Cash dividends to net income (ytd only)* | 74.1015% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 3,840 |
| Loan loss allowance to noncurrent loans | 121.2121% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 1.4407% | 4,053 |
| Noncurrent loans to loans | 1.2917% | 4,503 |
| Net loans and leases to total assets | 71.7817% | 1,828 |
| Net loans and leases to deposits | 84.6704% | 1,998 |
| Net loans and leases to core deposits | 90.9323% | 2,265 |
| Total domestic deposits to total assets | 84.7778% | 3,982 |
| Equity capital to assets | 9.3700% | 5,038 |
| Core capital (leverage) ratio | 9.8599% | 3,437 |
| Tier 1 risk-based capital ratio | 14.0721% | 4,118 |
| Total risk-based capital ratio | 15.3269% | 4,087 |
| Memoranda: | ||
| Average total assets | $360,280,330 | 1,824 |
| Average earning assets | $321,953,000 | 1,852 |
| Average equity | $33,002,670 | 2,005 |
| Average total loans | $269,093,670 | 1,606 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0426% | 437 |
| Cost of funding earning assets | 1.5796% | 879 |
| Net interest margin | 4.4630% | 1,146 |
| Noninterest income to average assets | 0.8389% | 1,889 |
| Noninterest expense to average assets | 3.2445% | 2,725 |
| Loan and lease loss provision to assets | 0.1844% | 3,767 |
| Net operating income to assets | 1.4189% | 1,033 |
| Return on assets (ROA) | 1.4189% | 1,065 |
| Pretax return on assets | 1.4189% | 1,672 |
| Return on Equity (ROE) | 15.6697% | 718 |
| Retained earnings to average equity (ytd only) | -8.8717% | 6,808 |
| Net charge-offs to loans | 0.1264% | 3,763 |
| Credit loss provision to net charge-offs | 193.0233% | 1,532 |
| Earnings coverage of net charge-offs (x) | 16.7791% | 1,250 |
| Efficiency ratio | 66.8577% | 4,884 |
| Assets per employee ($millions) | 2.7906% | 6,555 |
| Cash dividends to net income (ytd only)* | 156.6171% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 3,945 |
| Loan loss allowance to noncurrent loans | 153.2258% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 1.3959% | 4,195 |
| Noncurrent loans to loans | 1.0139% | 5,029 |
| Net loans and leases to total assets | 73.5849% | 1,408 |
| Net loans and leases to deposits | 86.2976% | 1,681 |
| Net loans and leases to core deposits | 92.8905% | 2,021 |
| Total domestic deposits to total assets | 85.2687% | 3,904 |
| Equity capital to assets | 8.8946% | 5,355 |
| Core capital (leverage) ratio | 9.3568% | 4,039 |
| Tier 1 risk-based capital ratio | 13.3479% | 4,545 |
| Total risk-based capital ratio | 14.6027% | 4,522 |
| Memoranda: | ||
| Average total assets | $359,993,500 | 1,826 |
| Average earning assets | $323,369,500 | 1,857 |
| Average equity | $32,598,000 | 2,009 |
| Average total loans | $272,067,000 | 1,613 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3587% | 411 |
| Cost of funding earning assets | 1.7800% | 1,256 |
| Net interest margin | 4.5788% | 1,053 |
| Noninterest income to average assets | 0.9370% | 1,716 |
| Noninterest expense to average assets | 3.3166% | 2,681 |
| Loan and lease loss provision to assets | 0.2189% | 5,076 |
| Net operating income to assets | 1.5271% | 719 |
| Return on assets (ROA) | 1.5288% | 779 |
| Pretax return on assets | 1.5288% | 1,303 |
| Return on Equity (ROE) | 17.1083% | 468 |
| Retained earnings to average equity (ytd only) | 4.4331% | 2,752 |
| Net charge-offs to loans | 0.2495% | 4,796 |
| Credit loss provision to net charge-offs | 115.2012% | 3,757 |
| Earnings coverage of net charge-offs (x) | 9.1893% | 1,857 |
| Efficiency ratio | 65.4511% | 5,077 |
| Assets per employee ($millions) | 2.8347% | 6,466 |
| Cash dividends to net income (ytd only)* | 74.0878% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 4,065 |
| Loan loss allowance to noncurrent loans | 130.4486% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 1.4380% | 4,175 |
| Noncurrent loans to loans | 1.1427% | 4,826 |
| Net loans and leases to total assets | 75.2661% | 1,422 |
| Net loans and leases to deposits | 88.4485% | 1,729 |
| Net loans and leases to core deposits | 95.0304% | 2,127 |
| Total domestic deposits to total assets | 85.0960% | 3,800 |
| Equity capital to assets | 9.2157% | 4,815 |
| Core capital (leverage) ratio | 9.6126% | 3,535 |
| Tier 1 risk-based capital ratio | 13.5236% | 4,178 |
| Total risk-based capital ratio | 14.7778% | 4,143 |
| Memoranda: | ||
| Average total assets | $353,163,600 | 1,849 |
| Average earning assets | $318,208,000 | 1,868 |
| Average equity | $31,557,800 | 2,078 |
| Average total loans | $268,983,400 | 1,657 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3815% | 430 |
| Cost of funding earning assets | 1.8068% | 1,388 |
| Net interest margin | 4.5746% | 1,096 |
| Noninterest income to average assets | 0.9518% | 1,615 |
| Noninterest expense to average assets | 3.2504% | 2,738 |
| Loan and lease loss provision to assets | 0.1806% | 5,243 |
| Net operating income to assets | 1.6328% | 696 |
| Return on assets (ROA) | 1.6351% | 758 |
| Pretax return on assets | 1.6351% | 1,262 |
| Return on Equity (ROE) | 18.4461% | 437 |
| Retained earnings to average equity (ytd only) | 1.3267% | 5,280 |
| Net charge-offs to loans | 0.1690% | 4,953 |
| Credit loss provision to net charge-offs | 140.4130% | 2,828 |
| Earnings coverage of net charge-offs (x) | 14.1002% | 1,539 |
| Efficiency ratio | 64.1295% | 5,217 |
| Assets per employee ($millions) | 2.8207% | 6,547 |
| Cash dividends to net income (ytd only)* | 92.8075% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 3,966 |
| Loan loss allowance to noncurrent loans | 138.9449% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 1.2508% | 4,647 |
| Noncurrent loans to loans | 1.0793% | 5,076 |
| Net loans and leases to total assets | 75.2231% | 1,545 |
| Net loans and leases to deposits | 88.3466% | 1,961 |
| Net loans and leases to core deposits | 95.0264% | 2,386 |
| Total domestic deposits to total assets | 85.1454% | 3,551 |
| Equity capital to assets | 8.9662% | 5,631 |
| Core capital (leverage) ratio | 9.4468% | 3,993 |
| Tier 1 risk-based capital ratio | 13.0542% | 4,537 |
| Total risk-based capital ratio | 14.3087% | 4,510 |
| Memoranda: | ||
| Average total assets | $351,453,500 | 1,890 |
| Average earning assets | $315,907,500 | 1,909 |
| Average equity | $31,153,000 | 2,118 |
| Average total loans | $267,464,000 | 1,678 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3313% | 480 |
| Cost of funding earning assets | 1.8244% | 1,544 |
| Net interest margin | 4.5069% | 1,193 |
| Noninterest income to average assets | 0.9711% | 1,455 |
| Noninterest expense to average assets | 3.2034% | 2,891 |
| Loan and lease loss provision to assets | 0.1332% | 5,556 |
| Net operating income to assets | 1.6919% | 598 |
| Return on assets (ROA) | 1.6953% | 643 |
| Pretax return on assets | 1.6953% | 1,065 |
| Return on Equity (ROE) | 19.2023% | 373 |
| Retained earnings to average equity (ytd only) | -6.8171% | 6,724 |
| Net charge-offs to loans | 0.1209% | 4,974 |
| Credit loss provision to net charge-offs | 145.0000% | 2,742 |
| Earnings coverage of net charge-offs (x) | 19.8625% | 1,240 |
| Efficiency ratio | 63.6478% | 5,399 |
| Assets per employee ($millions) | 2.6676% | 6,831 |
| Cash dividends to net income (ytd only)* | 135.5014% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 3,995 |
| Loan loss allowance to noncurrent loans | 153.8171% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 1.0926% | 4,950 |
| Noncurrent loans to loans | 0.9662% | 5,373 |
| Net loans and leases to total assets | 77.2026% | 1,255 |
| Net loans and leases to deposits | 90.8251% | 1,722 |
| Net loans and leases to core deposits | 98.1450% | 2,210 |
| Total domestic deposits to total assets | 85.0014% | 3,627 |
| Equity capital to assets | 8.9140% | 5,583 |
| Core capital (leverage) ratio | 9.2061% | 4,290 |
| Tier 1 risk-based capital ratio | 12.5909% | 4,777 |
| Total risk-based capital ratio | 13.8450% | 4,742 |
| Memoranda: | ||
| Average total assets | $348,253,330 | 1,922 |
| Average earning assets | $313,519,670 | 1,942 |
| Average equity | $30,746,330 | 2,144 |
| Average total loans | $264,708,330 | 1,716 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2550% | 574 |
| Cost of funding earning assets | 1.8486% | 1,664 |
| Net interest margin | 4.4064% | 1,372 |
| Noninterest income to average assets | 0.9975% | 1,320 |
| Noninterest expense to average assets | 3.2009% | 2,860 |
| Loan and lease loss provision to assets | 0.1070% | 5,558 |
| Net operating income to assets | 1.6499% | 683 |
| Return on assets (ROA) | 1.6499% | 731 |
| Pretax return on assets | 1.6499% | 1,161 |
| Return on Equity (ROE) | 18.7792% | 452 |
| Retained earnings to average equity (ytd only) | -33.6034% | 7,587 |
| Net charge-offs to loans | 0.0507% | 4,898 |
| Credit loss provision to net charge-offs | 281.8182% | 1,402 |
| Earnings coverage of net charge-offs (x) | 46.2727% | 602 |
| Efficiency ratio | 64.4929% | 5,395 |
| Assets per employee ($millions) | 2.7524% | 6,750 |
| Cash dividends to net income (ytd only)* | 278.9400% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 3,645 |
| Loan loss allowance to noncurrent loans | 168.3817% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1964% | 4,780 |
| Noncurrent loans to loans | 0.9224% | 5,472 |
| Net loans and leases to total assets | 73.0075% | 2,198 |
| Net loans and leases to deposits | 85.2082% | 2,728 |
| Net loans and leases to core deposits | 92.6295% | 3,022 |
| Total domestic deposits to total assets | 85.6813% | 3,328 |
| Equity capital to assets | 8.3111% | 6,284 |
| Core capital (leverage) ratio | 8.7892% | 4,872 |
| Tier 1 risk-based capital ratio | 12.4929% | 4,763 |
| Total risk-based capital ratio | 13.7480% | 4,703 |
| Memoranda: | ||
| Average total assets | $347,654,000 | 1,966 |
| Average earning assets | $312,456,500 | 1,998 |
| Average equity | $30,544,500 | 2,186 |
| Average total loans | $260,134,500 | 1,797 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5996% | 551 |
| Cost of funding earning assets | 2.1232% | 2,351 |
| Net interest margin | 4.4764% | 1,223 |
| Noninterest income to average assets | 1.0126% | 1,529 |
| Noninterest expense to average assets | 3.3660% | 2,788 |
| Loan and lease loss provision to assets | 0.1658% | 6,031 |
| Net operating income to assets | 1.5155% | 650 |
| Return on assets (ROA) | 1.5170% | 694 |
| Pretax return on assets | 1.5170% | 1,145 |
| Return on Equity (ROE) | 16.9753% | 460 |
| Retained earnings to average equity (ytd only) | 8.6312% | 563 |
| Net charge-offs to loans | 0.2545% | 5,028 |
| Credit loss provision to net charge-offs | 87.1473% | 6,098 |
| Earnings coverage of net charge-offs (x) | 8.8354% | 1,883 |
| Efficiency ratio | 66.6233% | 5,263 |
| Assets per employee ($millions) | 2.7440% | 6,769 |
| Cash dividends to net income (ytd only)* | 49.1545% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 3,506 |
| Loan loss allowance to noncurrent loans | 207.9043% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 1.1592% | 4,775 |
| Noncurrent loans to loans | 0.7425% | 5,771 |
| Net loans and leases to total assets | 74.3445% | 2,182 |
| Net loans and leases to deposits | 87.8686% | 2,578 |
| Net loans and leases to core deposits | 119.6925% | 1,972 |
| Total domestic deposits to total assets | 84.6087% | 3,755 |
| Equity capital to assets | 9.2736% | 4,733 |
| Core capital (leverage) ratio | 9.8415% | 3,282 |
| Tier 1 risk-based capital ratio | 13.6730% | 3,701 |
| Total risk-based capital ratio | 14.9277% | 3,639 |
| Memoranda: | ||
| Average total assets | $335,268,600 | 2,025 |
| Average earning assets | $302,186,200 | 2,056 |
| Average equity | $29,961,200 | 2,232 |
| Average total loans | $250,699,000 | 1,891 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5990% | 616 |
| Cost of funding earning assets | 2.1753% | 2,529 |
| Net interest margin | 4.4237% | 1,382 |
| Noninterest income to average assets | 1.0088% | 1,575 |
| Noninterest expense to average assets | 3.2547% | 3,106 |
| Loan and lease loss provision to assets | 0.1104% | 6,268 |
| Net operating income to assets | 1.6368% | 624 |
| Return on assets (ROA) | 1.6384% | 668 |
| Pretax return on assets | 1.6384% | 1,096 |
| Return on Equity (ROE) | 18.5130% | 404 |
| Retained earnings to average equity (ytd only) | 7.2136% | 1,429 |
| Net charge-offs to loans | 0.1679% | 5,046 |
| Credit loss provision to net charge-offs | 88.1789% | 5,533 |
| Earnings coverage of net charge-offs (x) | 13.9554% | 1,634 |
| Efficiency ratio | 65.0060% | 5,551 |
| Assets per employee ($millions) | 2.5941% | 7,059 |
| Cash dividends to net income (ytd only)* | 61.0351% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 3,132 |
| Loan loss allowance to noncurrent loans | 123.4881% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.2506% | 4,562 |
| Noncurrent loans to loans | 1.2693% | 4,819 |
| Net loans and leases to total assets | 77.0643% | 1,776 |
| Net loans and leases to deposits | 91.7627% | 2,277 |
| Net loans and leases to core deposits | 123.0111% | 1,994 |
| Total domestic deposits to total assets | 83.9822% | 3,733 |
| Equity capital to assets | 9.3391% | 4,969 |
| Core capital (leverage) ratio | 9.8939% | 3,408 |
| Tier 1 risk-based capital ratio | 13.4691% | 3,872 |
| Total risk-based capital ratio | 14.7245% | 3,806 |
| Memoranda: | ||
| Average total assets | $333,334,250 | 2,055 |
| Average earning assets | $300,887,000 | 2,085 |
| Average equity | $29,499,250 | 2,288 |
| Average total loans | $248,622,750 | 1,926 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5654% | 704 |
| Cost of funding earning assets | 2.2619% | 2,518 |
| Net interest margin | 4.3035% | 1,645 |
| Noninterest income to average assets | 0.9927% | 1,614 |
| Noninterest expense to average assets | 3.2532% | 3,146 |
| Loan and lease loss provision to assets | 0.0926% | 6,242 |
| Net operating income to assets | 1.5336% | 779 |
| Return on assets (ROA) | 1.5360% | 833 |
| Pretax return on assets | 1.5360% | 1,361 |
| Return on Equity (ROE) | 17.6776% | 519 |
| Retained earnings to average equity (ytd only) | 0.4815% | 5,016 |
| Net charge-offs to loans | 0.1116% | 5,043 |
| Credit loss provision to net charge-offs | 113.1387% | 4,097 |
| Earnings coverage of net charge-offs (x) | 19.8613% | 1,339 |
| Efficiency ratio | 66.6095% | 5,436 |
| Assets per employee ($millions) | 2.5919% | 7,071 |
| Cash dividends to net income (ytd only)* | 97.2763% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 2,529 |
| Loan loss allowance to noncurrent loans | 159.8284% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.9795% | 5,011 |
| Noncurrent loans to loans | 1.0316% | 5,154 |
| Net loans and leases to total assets | 73.1070% | 2,937 |
| Net loans and leases to deposits | 85.5400% | 3,639 |
| Net loans and leases to core deposits | 112.0247% | 3,132 |
| Total domestic deposits to total assets | 85.4653% | 3,031 |
| Equity capital to assets | 8.6213% | 5,867 |
| Core capital (leverage) ratio | 9.1570% | 4,368 |
| Tier 1 risk-based capital ratio | 13.1748% | 4,017 |
| Total risk-based capital ratio | 14.4309% | 3,935 |
| Memoranda: | ||
| Average total assets | $334,628,330 | 2,075 |
| Average earning assets | $302,222,330 | 2,099 |
| Average equity | $29,076,330 | 2,333 |
| Average total loans | $245,519,330 | 1,965 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4381% | 981 |
| Cost of funding earning assets | 2.3123% | 2,643 |
| Net interest margin | 4.1257% | 2,191 |
| Noninterest income to average assets | 1.0168% | 1,437 |
| Noninterest expense to average assets | 3.2082% | 2,954 |
| Loan and lease loss provision to assets | 0.0908% | 5,792 |
| Net operating income to assets | 1.4530% | 1,039 |
| Return on assets (ROA) | 1.4530% | 1,113 |
| Pretax return on assets | 1.4530% | 1,808 |
| Return on Equity (ROE) | 16.6567% | 731 |
| Retained earnings to average equity (ytd only) | 2.9588% | 4,229 |
| Net charge-offs to loans | 0.0803% | 4,369 |
| Credit loss provision to net charge-offs | 155.1020% | 2,701 |
| Earnings coverage of net charge-offs (x) | 26.3673% | 1,181 |
| Efficiency ratio | 67.4378% | 5,058 |
| Assets per employee ($millions) | 2.7346% | 6,794 |
| Cash dividends to net income (ytd only)* | 82.2368% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 2,202 |
| Loan loss allowance to noncurrent loans | 216.9572% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 5,149 |
| Noncurrent loans to loans | 0.7757% | 5,494 |
| Net loans and leases to total assets | 70.7601% | 3,523 |
| Net loans and leases to deposits | 82.9167% | 4,146 |
| Net loans and leases to core deposits | 107.0138% | 3,792 |
| Total domestic deposits to total assets | 85.3387% | 3,041 |
| Equity capital to assets | 8.6543% | 5,836 |
| Core capital (leverage) ratio | 9.1614% | 4,462 |
| Tier 1 risk-based capital ratio | 13.4388% | 3,905 |
| Total risk-based capital ratio | 14.6953% | 3,818 |
| Memoranda: | ||
| Average total assets | $334,763,500 | 2,081 |
| Average earning assets | $303,072,500 | 2,105 |
| Average equity | $29,201,500 | 2,335 |
| Average total loans | $244,010,500 | 1,998 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0791% | 948 |
| Cost of funding earning assets | 2.7899% | 2,746 |
| Net interest margin | 4.2892% | 2,018 |
| Noninterest income to average assets | 0.9780% | 1,659 |
| Noninterest expense to average assets | 3.0479% | 3,902 |
| Loan and lease loss provision to assets | 0.0873% | 6,291 |
| Net operating income to assets | 1.7264% | 641 |
| Return on assets (ROA) | 1.7313% | 609 |
| Pretax return on assets | 1.7313% | 1,080 |
| Return on Equity (ROE) | 18.3956% | 497 |
| Retained earnings to average equity (ytd only) | -4.3150% | 6,381 |
| Net charge-offs to loans | 0.1134% | 5,131 |
| Credit loss provision to net charge-offs | 104.3796% | 5,122 |
| Earnings coverage of net charge-offs (x) | 21.6788% | 1,519 |
| Efficiency ratio | 62.6240% | 5,841 |
| Assets per employee ($millions) | 2.6435% | 6,906 |
| Cash dividends to net income (ytd only)* | 123.4568% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 1,989 |
| Loan loss allowance to noncurrent loans | 205.8527% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.8047% | 4,835 |
| Noncurrent loans to loans | 0.8124% | 5,014 |
| Net loans and leases to total assets | 72.5989% | 3,461 |
| Net loans and leases to deposits | 85.4259% | 4,190 |
| Net loans and leases to core deposits | 111.0703% | 3,675 |
| Total domestic deposits to total assets | 84.9847% | 2,853 |
| Equity capital to assets | 8.7935% | 5,663 |
| Core capital (leverage) ratio | 9.4604% | 4,068 |
| Tier 1 risk-based capital ratio | 13.2410% | 3,972 |
| Total risk-based capital ratio | 14.4974% | 3,881 |
| Memoranda: | ||
| Average total assets | $327,500,600 | 2,040 |
| Average earning assets | $296,533,400 | 2,066 |
| Average equity | $30,822,600 | 2,190 |
| Average total loans | $241,639,800 | 1,958 |