Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 2,724 |
| Cost of funding earning assets | 1.6331% | 1,605 |
| Net interest margin | 3.0458% | 3,187 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.1146% | 4,482 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.6882% | 747 |
| Return on assets (ROA) | 1.6908% | 711 |
| Pretax return on assets | 2.0017% | 672 |
| Return on Equity (ROE) | 13.2400% | 1,669 |
| Retained earnings to average equity (ytd only) | 2.6188% | 3,404 |
| Net charge-offs to loans | 0.0543% | 1,322 |
| Credit loss provision to net charge-offs | 205.8824% | 1,204 |
| Earnings coverage of net charge-offs (x) | 74.3627% | 1,069 |
| Efficiency ratio | 35.1599% | 4,452 |
| Assets per employee ($millions) | 10.8698% | 547 |
| Cash dividends to net income (ytd only)* | 80.2228% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 2,539 |
| Loan loss allowance to noncurrent loans | 377.5561% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 2,478 |
| Noncurrent loans to loans | 0.3050% | 2,090 |
| Net loans and leases to total assets | 51.2300% | 3,528 |
| Net loans and leases to deposits | 59.7873% | 3,533 |
| Net loans and leases to core deposits | 73.5488% | 3,094 |
| Total domestic deposits to total assets | 85.6900% | 2,113 |
| Equity capital to assets | 13.6867% | 734 |
| Core capital (leverage) ratio | 18.4595% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $738,031,800 | 1,259 |
| Average earning assets | $703,881,400 | 1,223 |
| Average equity | $94,242,600 | 988 |
| Average total loans | $375,788,800 | 1,531 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5674% | 2,763 |
| Cost of funding earning assets | 1.4948% | 1,622 |
| Net interest margin | 3.0726% | 3,195 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.0660% | 4,513 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.8120% | 653 |
| Return on assets (ROA) | 1.8156% | 641 |
| Pretax return on assets | 2.1105% | 647 |
| Return on Equity (ROE) | 14.4900% | 1,551 |
| Retained earnings to average equity (ytd only) | -0.0567% | 4,153 |
| Net charge-offs to loans | 0.0621% | 1,040 |
| Credit loss provision to net charge-offs | 101.7341% | 1,602 |
| Earnings coverage of net charge-offs (x) | 67.8902% | 1,132 |
| Efficiency ratio | 33.2670% | 4,484 |
| Assets per employee ($millions) | 11.3842% | 457 |
| Cash dividends to net income (ytd only)* | 100.3911% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 2,827 |
| Loan loss allowance to noncurrent loans | 495.3089% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 2,779 |
| Noncurrent loans to loans | 0.2236% | 2,458 |
| Net loans and leases to total assets | 52.2400% | 3,481 |
| Net loans and leases to deposits | 59.5741% | 3,530 |
| Net loans and leases to core deposits | 72.9391% | 3,056 |
| Total domestic deposits to total assets | 87.6900% | 1,670 |
| Equity capital to assets | 11.7278% | 1,117 |
| Core capital (leverage) ratio | 18.1206% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $732,318,500 | 1,262 |
| Average earning assets | $697,423,250 | 1,229 |
| Average equity | $91,768,250 | 1,011 |
| Average total loans | $371,145,000 | 1,543 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3981% | 2,886 |
| Cost of funding earning assets | 1.3120% | 1,677 |
| Net interest margin | 3.0861% | 3,255 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.0028% | 4,552 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.8585% | 603 |
| Return on assets (ROA) | 1.8639% | 589 |
| Pretax return on assets | 2.2051% | 529 |
| Return on Equity (ROE) | 14.5600% | 1,561 |
| Retained earnings to average equity (ytd only) | -6.8714% | 4,468 |
| Net charge-offs to loans | 0.0450% | 1,056 |
| Credit loss provision to net charge-offs | 124.3902% | 1,310 |
| Earnings coverage of net charge-offs (x) | 99.0854% | 942 |
| Efficiency ratio | 31.0506% | 4,535 |
| Assets per employee ($millions) | 10.9432% | 517 |
| Cash dividends to net income (ytd only)* | 147.1989% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 2,568 |
| Loan loss allowance to noncurrent loans | 424.8289% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 2,576 |
| Noncurrent loans to loans | 0.2763% | 2,162 |
| Net loans and leases to total assets | 49.9000% | 3,567 |
| Net loans and leases to deposits | 57.5394% | 3,559 |
| Net loans and leases to core deposits | 70.5867% | 3,091 |
| Total domestic deposits to total assets | 86.7200% | 2,018 |
| Equity capital to assets | 12.8923% | 836 |
| Core capital (leverage) ratio | 17.9154% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $729,767,667 | 1,256 |
| Average earning assets | $695,437,667 | 1,232 |
| Average equity | $93,430,333 | 991 |
| Average total loans | $364,563,333 | 1,550 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 3,169 |
| Cost of funding earning assets | 1.0659% | 1,845 |
| Net interest margin | 3.0709% | 3,419 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 0.9944% | 4,625 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.8530% | 613 |
| Return on assets (ROA) | 1.8636% | 593 |
| Pretax return on assets | 2.2202% | 555 |
| Return on Equity (ROE) | 14.6100% | 1,642 |
| Retained earnings to average equity (ytd only) | -28.5047% | 4,634 |
| Net charge-offs to loans | 0.0254% | 1,178 |
| Credit loss provision to net charge-offs | 121.7391% | 1,032 |
| Earnings coverage of net charge-offs (x) | 175.9130% | 548 |
| Efficiency ratio | 30.9085% | 4,601 |
| Assets per employee ($millions) | 10.8856% | 525 |
| Cash dividends to net income (ytd only)* | 295.1356% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 2,658 |
| Loan loss allowance to noncurrent loans | 358.2299% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 2,343 |
| Noncurrent loans to loans | 0.3297% | 1,972 |
| Net loans and leases to total assets | 49.6900% | 3,518 |
| Net loans and leases to deposits | 57.0206% | 3,511 |
| Net loans and leases to core deposits | 69.9707% | 2,960 |
| Total domestic deposits to total assets | 87.1400% | 2,215 |
| Equity capital to assets | 12.4771% | 882 |
| Core capital (leverage) ratio | 17.5143% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $728,055,500 | 1,276 |
| Average earning assets | $694,264,500 | 1,246 |
| Average equity | $92,883,000 | 1,008 |
| Average total loans | $361,749,000 | 1,577 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 1,371 |
| Cost of funding earning assets | 0.3588% | 2,410 |
| Net interest margin | 3.7815% | 1,196 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.0638% | 4,632 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 2.3419% | 175 |
| Return on assets (ROA) | 2.3091% | 174 |
| Pretax return on assets | 2.7264% | 160 |
| Return on Equity (ROE) | 16.4100% | 979 |
| Retained earnings to average equity (ytd only) | 7.2236% | 2,137 |
| Net charge-offs to loans | 0.0219% | 1,627 |
| Credit loss provision to net charge-offs | 1,391.6667% | 346 |
| Earnings coverage of net charge-offs (x) | 299.3889% | 489 |
| Efficiency ratio | 26.8395% | 4,668 |
| Assets per employee ($millions) | 11.7222% | 424 |
| Cash dividends to net income (ytd only)* | 55.9918% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,383 |
| Loan loss allowance to noncurrent loans | 332.8927% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 2,308 |
| Noncurrent loans to loans | 0.3604% | 1,847 |
| Net loans and leases to total assets | 48.5000% | 3,635 |
| Net loans and leases to deposits | 55.9134% | 3,583 |
| Net loans and leases to core deposits | 67.5649% | 3,036 |
| Total domestic deposits to total assets | 86.7500% | 2,473 |
| Equity capital to assets | 13.0392% | 697 |
| Core capital (leverage) ratio | 18.4567% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $743,374,600 | 1,255 |
| Average earning assets | $712,596,600 | 1,216 |
| Average equity | $104,573,800 | 914 |
| Average total loans | $328,165,200 | 1,607 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0263% | 1,214 |
| Cost of funding earning assets | 0.3026% | 2,134 |
| Net interest margin | 3.7237% | 1,084 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 0.9519% | 4,687 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 2.3652% | 175 |
| Return on assets (ROA) | 2.3810% | 167 |
| Pretax return on assets | 2.9084% | 152 |
| Return on Equity (ROE) | 16.6300% | 868 |
| Retained earnings to average equity (ytd only) | 4.6567% | 3,215 |
| Net charge-offs to loans | 0.0245% | 1,339 |
| Credit loss provision to net charge-offs | 708.4746% | 510 |
| Earnings coverage of net charge-offs (x) | 281.6271% | 497 |
| Efficiency ratio | 24.3110% | 4,712 |
| Assets per employee ($millions) | 10.4761% | 567 |
| Cash dividends to net income (ytd only)* | 71.9979% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,107 |
| Loan loss allowance to noncurrent loans | 486.2385% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 2,923 |
| Noncurrent loans to loans | 0.2219% | 2,502 |
| Net loans and leases to total assets | 46.3700% | 3,733 |
| Net loans and leases to deposits | 52.7770% | 3,680 |
| Net loans and leases to core deposits | 63.4959% | 3,158 |
| Total domestic deposits to total assets | 87.8700% | 2,469 |
| Equity capital to assets | 11.9281% | 902 |
| Core capital (leverage) ratio | 17.3501% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $747,524,250 | 1,257 |
| Average earning assets | $717,826,250 | 1,213 |
| Average equity | $107,025,750 | 913 |
| Average total loans | $321,009,000 | 1,633 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 1,224 |
| Cost of funding earning assets | 0.2781% | 1,924 |
| Net interest margin | 3.5596% | 1,158 |
| Noninterest income to average assets | 0.3685% | 2,940 |
| Noninterest expense to average assets | 0.9353% | 4,708 |
| Loan and lease loss provision to assets | 0.0742% | 1,303 |
| Net operating income to assets | 2.3262% | 134 |
| Return on assets (ROA) | 2.3386% | 131 |
| Pretax return on assets | 2.8012% | 126 |
| Return on Equity (ROE) | 15.4936% | 797 |
| Retained earnings to average equity (ytd only) | -1.4356% | 4,334 |
| Net charge-offs to loans | 0.0236% | 1,249 |
| Credit loss provision to net charge-offs | 754.0541% | 487 |
| Earnings coverage of net charge-offs (x) | 290.7838% | 416 |
| Efficiency ratio | 24.6410% | 4,740 |
| Assets per employee ($millions) | 10.6268% | 551 |
| Cash dividends to net income (ytd only)* | 109.2656% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 3,142 |
| Loan loss allowance to noncurrent loans | 457.1247% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 2,955 |
| Noncurrent loans to loans | 0.2418% | 2,516 |
| Net loans and leases to total assets | 43.2111% | 3,891 |
| Net loans and leases to deposits | 49.3621% | 3,843 |
| Net loans and leases to core deposits | 59.6620% | 3,295 |
| Total domestic deposits to total assets | 87.5390% | 2,753 |
| Equity capital to assets | 12.2979% | 799 |
| Core capital (leverage) ratio | 16.7303% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $752,256,333 | 1,252 |
| Average earning assets | $724,297,000 | 1,217 |
| Average equity | $113,543,667 | 879 |
| Average total loans | $313,415,667 | 1,656 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7571% | 1,168 |
| Cost of funding earning assets | 0.2679% | 1,947 |
| Net interest margin | 3.4892% | 1,111 |
| Noninterest income to average assets | 0.4008% | 2,680 |
| Noninterest expense to average assets | 0.9222% | 4,737 |
| Loan and lease loss provision to assets | 0.0740% | 1,119 |
| Net operating income to assets | 2.3216% | 145 |
| Return on assets (ROA) | 2.3277% | 143 |
| Pretax return on assets | 2.7936% | 123 |
| Return on Equity (ROE) | 14.1345% | 811 |
| Retained earnings to average equity (ytd only) | -16.7257% | 4,662 |
| Net charge-offs to loans | 0.1365% | 412 |
| Credit loss provision to net charge-offs | 133.3333% | 891 |
| Earnings coverage of net charge-offs (x) | 51.5143% | 919 |
| Efficiency ratio | 24.3814% | 4,768 |
| Assets per employee ($millions) | 10.2669% | 637 |
| Cash dividends to net income (ytd only)* | 218.3326% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 3,348 |
| Loan loss allowance to noncurrent loans | 964.6724% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,553 |
| Noncurrent loans to loans | 0.1134% | 3,259 |
| Net loans and leases to total assets | 40.8370% | 3,957 |
| Net loans and leases to deposits | 48.0493% | 3,863 |
| Net loans and leases to core deposits | 58.0725% | 3,299 |
| Total domestic deposits to total assets | 84.9897% | 3,538 |
| Equity capital to assets | 14.8389% | 412 |
| Core capital (leverage) ratio | 15.9735% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $756,447,500 | 1,247 |
| Average earning assets | $733,109,000 | 1,212 |
| Average equity | $124,575,000 | 830 |
| Average total loans | $307,609,000 | 1,672 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8757% | 1,682 |
| Cost of funding earning assets | 0.3149% | 2,255 |
| Net interest margin | 3.5607% | 1,571 |
| Noninterest income to average assets | 0.3991% | 3,053 |
| Noninterest expense to average assets | 1.1060% | 4,736 |
| Loan and lease loss provision to assets | 0.0547% | 1,958 |
| Net operating income to assets | 2.2624% | 217 |
| Return on assets (ROA) | 2.2683% | 224 |
| Pretax return on assets | 2.6883% | 205 |
| Return on Equity (ROE) | 12.6094% | 1,603 |
| Retained earnings to average equity (ytd only) | 5.5920% | 2,518 |
| Net charge-offs to loans | 0.0286% | 1,666 |
| Credit loss provision to net charge-offs | 458.6207% | 839 |
| Earnings coverage of net charge-offs (x) | 229.4713% | 493 |
| Efficiency ratio | 28.7865% | 4,797 |
| Assets per employee ($millions) | 10.4577% | 588 |
| Cash dividends to net income (ytd only)* | 55.6522% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 3,374 |
| Loan loss allowance to noncurrent loans | 416.7910% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 3,193 |
| Noncurrent loans to loans | 0.2629% | 2,669 |
| Net loans and leases to total assets | 39.6136% | 4,113 |
| Net loans and leases to deposits | 48.6955% | 3,960 |
| Net loans and leases to core deposits | 58.3377% | 3,446 |
| Total domestic deposits to total assets | 81.3497% | 4,060 |
| Equity capital to assets | 18.0682% | 256 |
| Core capital (leverage) ratio | 16.6014% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $729,679,600 | 1,248 |
| Average earning assets | $705,527,200 | 1,212 |
| Average equity | $131,258,800 | 790 |
| Average total loans | $303,740,600 | 1,695 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9193% | 1,706 |
| Cost of funding earning assets | 0.3271% | 2,329 |
| Net interest margin | 3.5922% | 1,617 |
| Noninterest income to average assets | 0.4126% | 3,016 |
| Noninterest expense to average assets | 0.9901% | 4,840 |
| Loan and lease loss provision to assets | 0.0460% | 2,078 |
| Net operating income to assets | 2.3796% | 250 |
| Return on assets (ROA) | 2.3856% | 257 |
| Pretax return on assets | 2.8554% | 211 |
| Return on Equity (ROE) | 13.2775% | 1,624 |
| Retained earnings to average equity (ytd only) | 3.8006% | 3,638 |
| Net charge-offs to loans | -0.0106% | 3,693 |
| Credit loss provision to net charge-offs | -1,037.5000% | 3,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.4902% | 4,882 |
| Assets per employee ($millions) | 10.1805% | 611 |
| Cash dividends to net income (ytd only)* | 71.3754% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 3,473 |
| Loan loss allowance to noncurrent loans | 165.5172% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 2,351 |
| Noncurrent loans to loans | 0.6603% | 1,664 |
| Net loans and leases to total assets | 40.3285% | 4,192 |
| Net loans and leases to deposits | 49.4446% | 4,032 |
| Net loans and leases to core deposits | 59.5058% | 3,504 |
| Total domestic deposits to total assets | 81.5629% | 4,000 |
| Equity capital to assets | 17.8646% | 279 |
| Core capital (leverage) ratio | 16.5432% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $721,246,500 | 1,278 |
| Average earning assets | $697,047,250 | 1,236 |
| Average equity | $129,589,750 | 814 |
| Average total loans | $303,234,250 | 1,726 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 1,670 |
| Cost of funding earning assets | 0.3437% | 2,371 |
| Net interest margin | 3.6105% | 1,571 |
| Noninterest income to average assets | 0.4219% | 2,997 |
| Noninterest expense to average assets | 1.0046% | 4,870 |
| Loan and lease loss provision to assets | 0.0698% | 1,657 |
| Net operating income to assets | 2.3722% | 259 |
| Return on assets (ROA) | 2.3812% | 275 |
| Pretax return on assets | 2.8456% | 221 |
| Return on Equity (ROE) | 13.2263% | 1,641 |
| Retained earnings to average equity (ytd only) | -1.1063% | 4,613 |
| Net charge-offs to loans | -0.0402% | 4,274 |
| Credit loss provision to net charge-offs | -408.1967% | 3,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.6969% | 4,918 |
| Assets per employee ($millions) | 10.6330% | 505 |
| Cash dividends to net income (ytd only)* | 108.3647% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 3,511 |
| Loan loss allowance to noncurrent loans | 160.4696% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 2,420 |
| Noncurrent loans to loans | 0.6717% | 1,744 |
| Net loans and leases to total assets | 41.8905% | 4,188 |
| Net loans and leases to deposits | 51.5785% | 4,016 |
| Net loans and leases to core deposits | 61.7503% | 3,487 |
| Total domestic deposits to total assets | 81.2169% | 4,061 |
| Equity capital to assets | 17.8814% | 275 |
| Core capital (leverage) ratio | 16.2882% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $713,937,000 | 1,282 |
| Average earning assets | $689,608,667 | 1,241 |
| Average equity | $128,531,333 | 815 |
| Average total loans | $303,304,667 | 1,728 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 2,201 |
| Cost of funding earning assets | 0.3728% | 2,332 |
| Net interest margin | 3.3934% | 2,132 |
| Noninterest income to average assets | 0.4085% | 3,046 |
| Noninterest expense to average assets | 1.0192% | 4,906 |
| Loan and lease loss provision to assets | 0.0710% | 1,737 |
| Net operating income to assets | 2.1929% | 426 |
| Return on assets (ROA) | 2.2089% | 444 |
| Pretax return on assets | 2.6054% | 375 |
| Return on Equity (ROE) | 12.2263% | 1,932 |
| Retained earnings to average equity (ytd only) | -16.7388% | 4,894 |
| Net charge-offs to loans | -0.0307% | 4,182 |
| Credit loss provision to net charge-offs | -543.4783% | 3,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.7194% | 4,929 |
| Assets per employee ($millions) | 9.9021% | 614 |
| Cash dividends to net income (ytd only)* | 236.9084% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,499 |
| Loan loss allowance to noncurrent loans | 164.1937% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 2,703 |
| Noncurrent loans to loans | 0.6621% | 1,920 |
| Net loans and leases to total assets | 40.6716% | 4,306 |
| Net loans and leases to deposits | 49.6237% | 4,183 |
| Net loans and leases to core deposits | 59.4247% | 3,744 |
| Total domestic deposits to total assets | 81.9601% | 3,901 |
| Equity capital to assets | 17.2211% | 293 |
| Core capital (leverage) ratio | 16.2229% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $704,068,000 | 1,279 |
| Average earning assets | $678,145,000 | 1,246 |
| Average equity | $127,201,500 | 815 |
| Average total loans | $299,612,500 | 1,752 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 2,327 |
| Cost of funding earning assets | 0.5973% | 2,333 |
| Net interest margin | 3.5367% | 2,350 |
| Noninterest income to average assets | 0.4440% | 2,895 |
| Noninterest expense to average assets | 1.2274% | 4,894 |
| Loan and lease loss provision to assets | 0.1464% | 2,546 |
| Net operating income to assets | 2.1402% | 202 |
| Return on assets (ROA) | 2.1624% | 205 |
| Pretax return on assets | 2.5205% | 182 |
| Return on Equity (ROE) | 11.6548% | 1,429 |
| Retained earnings to average equity (ytd only) | 4.4452% | 2,569 |
| Net charge-offs to loans | 0.0052% | 3,157 |
| Credit loss provision to net charge-offs | 6,426.6667% | 172 |
| Earnings coverage of net charge-offs (x) | 1,159.6667% | 94 |
| Efficiency ratio | 31.7281% | 4,951 |
| Assets per employee ($millions) | 9.1472% | 704 |
| Cash dividends to net income (ytd only)* | 61.8593% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 3,897 |
| Loan loss allowance to noncurrent loans | 222.1491% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 3,278 |
| Noncurrent loans to loans | 0.4470% | 2,630 |
| Net loans and leases to total assets | 43.5899% | 4,270 |
| Net loans and leases to deposits | 54.4166% | 4,091 |
| Net loans and leases to core deposits | 65.1523% | 3,619 |
| Total domestic deposits to total assets | 80.1041% | 4,025 |
| Equity capital to assets | 18.9338% | 232 |
| Core capital (leverage) ratio | 17.3559% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9251% | 353 |
| Memoranda: | ||
| Average total assets | $658,629,200 | 1,239 |
| Average earning assets | $637,742,000 | 1,195 |
| Average equity | $122,198,200 | 811 |
| Average total loans | $286,047,000 | 1,741 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 2,429 |
| Cost of funding earning assets | 0.6431% | 2,368 |
| Net interest margin | 3.5451% | 2,438 |
| Noninterest income to average assets | 0.4428% | 2,876 |
| Noninterest expense to average assets | 1.1305% | 4,953 |
| Loan and lease loss provision to assets | 0.1497% | 2,527 |
| Net operating income to assets | 2.1452% | 223 |
| Return on assets (ROA) | 2.1590% | 235 |
| Pretax return on assets | 2.6198% | 177 |
| Return on Equity (ROE) | 11.7007% | 1,452 |
| Retained earnings to average equity (ytd only) | 1.8991% | 3,964 |
| Net charge-offs to loans | 0.0119% | 2,682 |
| Credit loss provision to net charge-offs | 2,916.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 536.3600% | 220 |
| Efficiency ratio | 29.1129% | 4,995 |
| Assets per employee ($millions) | 9.7442% | 553 |
| Cash dividends to net income (ytd only)* | 83.7691% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9655% | 3,828 |
| Loan loss allowance to noncurrent loans | 295.0370% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 3,658 |
| Noncurrent loans to loans | 0.3273% | 3,114 |
| Net loans and leases to total assets | 42.6234% | 4,474 |
| Net loans and leases to deposits | 52.9757% | 4,375 |
| Net loans and leases to core deposits | 63.6511% | 4,025 |
| Total domestic deposits to total assets | 80.4583% | 3,774 |
| Equity capital to assets | 18.6666% | 260 |
| Core capital (leverage) ratio | 17.1317% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3571% | 354 |
| Memoranda: | ||
| Average total assets | $649,490,500 | 1,240 |
| Average earning assets | $630,304,750 | 1,195 |
| Average equity | $119,841,500 | 818 |
| Average total loans | $281,041,500 | 1,758 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 2,583 |
| Cost of funding earning assets | 0.7044% | 2,352 |
| Net interest margin | 3.5545% | 2,621 |
| Noninterest income to average assets | 0.4063% | 3,038 |
| Noninterest expense to average assets | 1.0868% | 4,995 |
| Loan and lease loss provision to assets | 0.1464% | 2,547 |
| Net operating income to assets | 2.1450% | 240 |
| Return on assets (ROA) | 2.1733% | 252 |
| Pretax return on assets | 2.6560% | 167 |
| Return on Equity (ROE) | 11.8267% | 1,375 |
| Retained earnings to average equity (ytd only) | -3.1114% | 4,663 |
| Net charge-offs to loans | -0.0057% | 4,051 |
| Credit loss provision to net charge-offs | -5,875.0000% | 4,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.1950% | 5,026 |
| Assets per employee ($millions) | 9.1696% | 648 |
| Cash dividends to net income (ytd only)* | 126.3082% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 3,991 |
| Loan loss allowance to noncurrent loans | 217.2589% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 3,512 |
| Noncurrent loans to loans | 0.4156% | 2,922 |
| Net loans and leases to total assets | 42.1059% | 4,529 |
| Net loans and leases to deposits | 52.1062% | 4,444 |
| Net loans and leases to core deposits | 62.6449% | 4,147 |
| Total domestic deposits to total assets | 80.8078% | 3,654 |
| Equity capital to assets | 18.1131% | 295 |
| Core capital (leverage) ratio | 17.0144% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7260% | 375 |
| Memoranda: | ||
| Average total assets | $641,870,000 | 1,229 |
| Average earning assets | $622,698,333 | 1,184 |
| Average equity | $117,953,667 | 820 |
| Average total loans | $278,264,333 | 1,754 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2642% | 3,024 |
| Cost of funding earning assets | 0.7982% | 2,408 |
| Net interest margin | 3.4659% | 3,095 |
| Noninterest income to average assets | 0.3821% | 3,221 |
| Noninterest expense to average assets | 1.0909% | 5,047 |
| Loan and lease loss provision to assets | 0.1197% | 2,196 |
| Net operating income to assets | 2.0571% | 242 |
| Return on assets (ROA) | 2.0417% | 276 |
| Pretax return on assets | 2.5148% | 159 |
| Return on Equity (ROE) | 11.0259% | 1,401 |
| Retained earnings to average equity (ytd only) | -19.2730% | 4,955 |
| Net charge-offs to loans | 0.0029% | 2,492 |
| Credit loss provision to net charge-offs | 9,400.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 2,083.5000% | 12 |
| Efficiency ratio | 29.1327% | 5,069 |
| Assets per employee ($millions) | 8.6856% | 591 |
| Cash dividends to net income (ytd only)* | 274.7973% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8309% | 4,336 |
| Loan loss allowance to noncurrent loans | 141.1035% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 3,314 |
| Noncurrent loans to loans | 0.5889% | 2,533 |
| Net loans and leases to total assets | 42.8423% | 4,555 |
| Net loans and leases to deposits | 52.8455% | 4,491 |
| Net loans and leases to core deposits | 64.1462% | 4,161 |
| Total domestic deposits to total assets | 81.0710% | 3,648 |
| Equity capital to assets | 18.0158% | 353 |
| Core capital (leverage) ratio | 17.1653% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6901% | 411 |
| Memoranda: | ||
| Average total assets | $628,113,500 | 1,219 |
| Average earning assets | $609,357,000 | 1,169 |
| Average equity | $116,307,500 | 825 |
| Average total loans | $275,187,500 | 1,738 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 3,432 |
| Cost of funding earning assets | 0.8429% | 2,470 |
| Net interest margin | 3.4943% | 3,464 |
| Noninterest income to average assets | 0.4007% | 3,291 |
| Noninterest expense to average assets | 1.3191% | 5,067 |
| Loan and lease loss provision to assets | 0.0625% | 2,786 |
| Net operating income to assets | 1.9917% | 365 |
| Return on assets (ROA) | 2.0648% | 310 |
| Pretax return on assets | 2.4979% | 213 |
| Return on Equity (ROE) | 11.2621% | 1,789 |
| Retained earnings to average equity (ytd only) | 3.5381% | 3,231 |
| Net charge-offs to loans | 0.0471% | 2,446 |
| Credit loss provision to net charge-offs | 311.4754% | 893 |
| Earnings coverage of net charge-offs (x) | 123.2049% | 576 |
| Efficiency ratio | 34.7924% | 5,115 |
| Assets per employee ($millions) | 8.4078% | 617 |
| Cash dividends to net income (ytd only)* | 68.5837% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7560% | 4,433 |
| Loan loss allowance to noncurrent loans | 126.2840% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 3,155 |
| Noncurrent loans to loans | 0.5986% | 2,390 |
| Net loans and leases to total assets | 44.0979% | 4,598 |
| Net loans and leases to deposits | 55.0233% | 4,501 |
| Net loans and leases to core deposits | 66.5009% | 4,165 |
| Total domestic deposits to total assets | 80.1441% | 3,949 |
| Equity capital to assets | 19.0276% | 298 |
| Core capital (leverage) ratio | 18.2298% | 324 |
| Tier 1 risk-based capital ratio | 28.0118% | 556 |
| Total risk-based capital ratio | 28.5292% | 590 |
| Memoranda: | ||
| Average total assets | $607,993,200 | 1,209 |
| Average earning assets | $589,965,800 | 1,176 |
| Average equity | $111,471,000 | 819 |
| Average total loans | $258,993,000 | 1,781 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 3,560 |
| Cost of funding earning assets | 0.8260% | 2,588 |
| Net interest margin | 3.5077% | 3,539 |
| Noninterest income to average assets | 0.3940% | 3,358 |
| Noninterest expense to average assets | 1.1711% | 5,175 |
| Loan and lease loss provision to assets | 0.0629% | 2,634 |
| Net operating income to assets | 2.1161% | 312 |
| Return on assets (ROA) | 2.2014% | 284 |
| Pretax return on assets | 2.6648% | 178 |
| Return on Equity (ROE) | 12.1251% | 1,572 |
| Retained earnings to average equity (ytd only) | 1.6645% | 4,377 |
| Net charge-offs to loans | 0.0445% | 2,199 |
| Credit loss provision to net charge-offs | 335.2941% | 882 |
| Earnings coverage of net charge-offs (x) | 140.0006% | 569 |
| Efficiency ratio | 30.8501% | 5,209 |
| Assets per employee ($millions) | 8.3514% | 609 |
| Cash dividends to net income (ytd only)* | 86.2725% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7339% | 4,580 |
| Loan loss allowance to noncurrent loans | 131.7769% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 3,351 |
| Noncurrent loans to loans | 0.5569% | 2,627 |
| Net loans and leases to total assets | 44.4759% | 4,676 |
| Net loans and leases to deposits | 55.3447% | 4,579 |
| Net loans and leases to core deposits | 66.8492% | 4,231 |
| Total domestic deposits to total assets | 80.3615% | 3,909 |
| Equity capital to assets | 18.8199% | 323 |
| Core capital (leverage) ratio | 18.0594% | 346 |
| Tier 1 risk-based capital ratio | 27.6388% | 599 |
| Total risk-based capital ratio | 28.1467% | 633 |
| Memoranda: | ||
| Average total assets | $604,446,750 | 1,216 |
| Average earning assets | $586,236,000 | 1,177 |
| Average equity | $109,742,250 | 825 |
| Average total loans | $254,626,750 | 1,817 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 3,586 |
| Cost of funding earning assets | 0.8024% | 2,628 |
| Net interest margin | 3.5169% | 3,540 |
| Noninterest income to average assets | 0.4050% | 3,243 |
| Noninterest expense to average assets | 1.1551% | 5,232 |
| Loan and lease loss provision to assets | 0.0760% | 2,297 |
| Net operating income to assets | 2.0937% | 328 |
| Return on assets (ROA) | 2.2036% | 281 |
| Pretax return on assets | 2.7170% | 177 |
| Return on Equity (ROE) | 12.2915% | 1,479 |
| Retained earnings to average equity (ytd only) | -3.7191% | 5,004 |
| Net charge-offs to loans | 0.0947% | 1,418 |
| Credit loss provision to net charge-offs | 194.8718% | 1,244 |
| Earnings coverage of net charge-offs (x) | 68.1282% | 913 |
| Efficiency ratio | 30.2991% | 5,256 |
| Assets per employee ($millions) | 8.2829% | 607 |
| Cash dividends to net income (ytd only)* | 130.2572% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 4,571 |
| Loan loss allowance to noncurrent loans | 128.2508% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 3,232 |
| Noncurrent loans to loans | 0.5955% | 2,487 |
| Net loans and leases to total assets | 41.1890% | 4,813 |
| Net loans and leases to deposits | 50.7872% | 4,777 |
| Net loans and leases to core deposits | 61.1577% | 4,534 |
| Total domestic deposits to total assets | 81.1011% | 3,775 |
| Equity capital to assets | 18.1937% | 361 |
| Core capital (leverage) ratio | 17.7988% | 355 |
| Tier 1 risk-based capital ratio | 27.6810% | 578 |
| Total risk-based capital ratio | 28.1827% | 613 |
| Memoranda: | ||
| Average total assets | $599,927,330 | 1,227 |
| Average earning assets | $581,255,670 | 1,183 |
| Average equity | $107,553,670 | 836 |
| Average total loans | $247,204,000 | 1,859 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3287% | 3,472 |
| Cost of funding earning assets | 0.7624% | 2,720 |
| Net interest margin | 3.5663% | 3,374 |
| Noninterest income to average assets | 0.3936% | 3,226 |
| Noninterest expense to average assets | 1.1654% | 5,292 |
| Loan and lease loss provision to assets | 0.0768% | 2,140 |
| Net operating income to assets | 2.1609% | 290 |
| Return on assets (ROA) | 2.1671% | 300 |
| Pretax return on assets | 2.6113% | 207 |
| Return on Equity (ROE) | 12.1812% | 1,471 |
| Retained earnings to average equity (ytd only) | -20.4409% | 5,261 |
| Net charge-offs to loans | 0.1314% | 951 |
| Credit loss provision to net charge-offs | 142.5000% | 1,283 |
| Earnings coverage of net charge-offs (x) | 49.7125% | 1,032 |
| Efficiency ratio | 30.3014% | 5,313 |
| Assets per employee ($millions) | 8.0993% | 653 |
| Cash dividends to net income (ytd only)* | 267.8072% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 4,636 |
| Loan loss allowance to noncurrent loans | 117.8030% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 3,228 |
| Noncurrent loans to loans | 0.6445% | 2,402 |
| Net loans and leases to total assets | 40.6944% | 4,871 |
| Net loans and leases to deposits | 49.6121% | 4,827 |
| Net loans and leases to core deposits | 59.6219% | 4,583 |
| Total domestic deposits to total assets | 82.0251% | 3,720 |
| Equity capital to assets | 17.4642% | 393 |
| Core capital (leverage) ratio | 17.6226% | 358 |
| Tier 1 risk-based capital ratio | 27.6206% | 582 |
| Total risk-based capital ratio | 28.1171% | 615 |
| Memoranda: | ||
| Average total assets | $593,423,000 | 1,242 |
| Average earning assets | $574,486,000 | 1,198 |
| Average equity | $105,572,500 | 847 |
| Average total loans | $243,603,500 | 1,896 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3282% | 3,013 |
| Cost of funding earning assets | 0.5281% | 3,190 |
| Net interest margin | 3.8001% | 2,654 |
| Noninterest income to average assets | 0.4018% | 3,428 |
| Noninterest expense to average assets | 1.3054% | 5,298 |
| Loan and lease loss provision to assets | 0.1068% | 2,063 |
| Net operating income to assets | 2.2249% | 241 |
| Return on assets (ROA) | 2.2479% | 227 |
| Pretax return on assets | 2.6838% | 147 |
| Return on Equity (ROE) | 12.8641% | 1,392 |
| Retained earnings to average equity (ytd only) | 4.6298% | 2,974 |
| Net charge-offs to loans | 0.1680% | 1,144 |
| Credit loss provision to net charge-offs | 164.2105% | 1,694 |
| Earnings coverage of net charge-offs (x) | 42.4974% | 1,259 |
| Efficiency ratio | 32.0843% | 5,357 |
| Assets per employee ($millions) | 8.0479% | 652 |
| Cash dividends to net income (ytd only)* | 64.0100% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7588% | 4,653 |
| Loan loss allowance to noncurrent loans | 142.5681% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 3,319 |
| Noncurrent loans to loans | 0.5322% | 2,676 |
| Net loans and leases to total assets | 40.7845% | 4,916 |
| Net loans and leases to deposits | 49.9761% | 4,884 |
| Net loans and leases to core deposits | 59.6205% | 4,647 |
| Total domestic deposits to total assets | 81.6080% | 3,753 |
| Equity capital to assets | 18.1232% | 332 |
| Core capital (leverage) ratio | 18.6999% | 277 |
| Tier 1 risk-based capital ratio | 29.2893% | 503 |
| Total risk-based capital ratio | 29.7806% | 531 |
| Memoranda: | ||
| Average total assets | $584,422,400 | 1,233 |
| Average earning assets | $563,926,000 | 1,194 |
| Average equity | $102,121,400 | 834 |
| Average total loans | $226,191,200 | 1,980 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3117% | 2,921 |
| Cost of funding earning assets | 0.5046% | 3,168 |
| Net interest margin | 3.8071% | 2,616 |
| Noninterest income to average assets | 0.4023% | 3,472 |
| Noninterest expense to average assets | 1.1721% | 5,397 |
| Loan and lease loss provision to assets | 0.0930% | 2,119 |
| Net operating income to assets | 2.3510% | 204 |
| Return on assets (ROA) | 2.3817% | 191 |
| Pretax return on assets | 2.8432% | 135 |
| Return on Equity (ROE) | 13.7588% | 1,182 |
| Retained earnings to average equity (ytd only) | 2.6618% | 4,348 |
| Net charge-offs to loans | 0.0869% | 1,633 |
| Credit loss provision to net charge-offs | 280.6897% | 1,074 |
| Earnings coverage of net charge-offs (x) | 87.5373% | 835 |
| Efficiency ratio | 28.7870% | 5,439 |
| Assets per employee ($millions) | 7.4858% | 781 |
| Cash dividends to net income (ytd only)* | 80.6541% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 4,666 |
| Loan loss allowance to noncurrent loans | 118.6658% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 3,221 |
| Noncurrent loans to loans | 0.6637% | 2,418 |
| Net loans and leases to total assets | 39.9130% | 5,028 |
| Net loans and leases to deposits | 48.4568% | 5,000 |
| Net loans and leases to core deposits | 57.2144% | 4,813 |
| Total domestic deposits to total assets | 82.3683% | 3,500 |
| Equity capital to assets | 17.3065% | 399 |
| Core capital (leverage) ratio | 18.2014% | 314 |
| Tier 1 risk-based capital ratio | 28.6261% | 537 |
| Total risk-based capital ratio | 29.1234% | 563 |
| Memoranda: | ||
| Average total assets | $583,653,000 | 1,237 |
| Average earning assets | $562,541,750 | 1,198 |
| Average equity | $101,033,250 | 841 |
| Average total loans | $222,378,750 | 2,012 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2587% | 2,914 |
| Cost of funding earning assets | 0.4853% | 3,130 |
| Net interest margin | 3.7734% | 2,652 |
| Noninterest income to average assets | 0.3784% | 3,630 |
| Noninterest expense to average assets | 1.1166% | 5,471 |
| Loan and lease loss provision to assets | 0.0730% | 2,429 |
| Net operating income to assets | 2.3518% | 184 |
| Return on assets (ROA) | 2.3973% | 174 |
| Pretax return on assets | 2.8812% | 129 |
| Return on Equity (ROE) | 13.8477% | 1,116 |
| Retained earnings to average equity (ytd only) | -2.7992% | 5,201 |
| Net charge-offs to loans | 0.0972% | 1,381 |
| Credit loss provision to net charge-offs | 200.9434% | 1,296 |
| Earnings coverage of net charge-offs (x) | 79.8113% | 821 |
| Efficiency ratio | 27.8034% | 5,503 |
| Assets per employee ($millions) | 7.5198% | 758 |
| Cash dividends to net income (ytd only)* | 120.2144% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7473% | 4,832 |
| Loan loss allowance to noncurrent loans | 193.4932% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 3,785 |
| Noncurrent loans to loans | 0.3862% | 3,312 |
| Net loans and leases to total assets | 38.3790% | 5,114 |
| Net loans and leases to deposits | 46.4550% | 5,084 |
| Net loans and leases to core deposits | 54.8007% | 4,907 |
| Total domestic deposits to total assets | 82.6155% | 3,518 |
| Equity capital to assets | 17.0563% | 398 |
| Core capital (leverage) ratio | 17.7043% | 331 |
| Tier 1 risk-based capital ratio | 28.1340% | 550 |
| Total risk-based capital ratio | 28.5967% | 585 |
| Memoranda: | ||
| Average total assets | $583,574,000 | 1,239 |
| Average earning assets | $562,567,670 | 1,199 |
| Average equity | $101,027,330 | 845 |
| Average total loans | $218,205,670 | 2,050 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 2,888 |
| Cost of funding earning assets | 0.4692% | 3,052 |
| Net interest margin | 3.7292% | 2,697 |
| Noninterest income to average assets | 0.3972% | 3,493 |
| Noninterest expense to average assets | 1.1627% | 5,531 |
| Loan and lease loss provision to assets | 0.0728% | 2,305 |
| Net operating income to assets | 2.3077% | 202 |
| Return on assets (ROA) | 2.3990% | 174 |
| Pretax return on assets | 2.8697% | 126 |
| Return on Equity (ROE) | 13.7550% | 1,068 |
| Retained earnings to average equity (ytd only) | -19.3776% | 5,500 |
| Net charge-offs to loans | 0.1047% | 1,153 |
| Credit loss provision to net charge-offs | 189.2857% | 1,078 |
| Earnings coverage of net charge-offs (x) | 73.6429% | 744 |
| Efficiency ratio | 29.0922% | 5,567 |
| Assets per employee ($millions) | 7.5531% | 751 |
| Cash dividends to net income (ytd only)* | 240.8765% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7594% | 4,896 |
| Loan loss allowance to noncurrent loans | 123.6226% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 3,670 |
| Noncurrent loans to loans | 0.6143% | 2,702 |
| Net loans and leases to total assets | 36.8071% | 5,183 |
| Net loans and leases to deposits | 44.3793% | 5,145 |
| Net loans and leases to core deposits | 52.5618% | 4,964 |
| Total domestic deposits to total assets | 82.9376% | 3,684 |
| Equity capital to assets | 16.6939% | 421 |
| Core capital (leverage) ratio | 17.1747% | 365 |
| Tier 1 risk-based capital ratio | 27.7616% | 571 |
| Total risk-based capital ratio | 28.2184% | 611 |
| Memoranda: | ||
| Average total assets | $582,087,500 | 1,249 |
| Average earning assets | $561,842,500 | 1,203 |
| Average equity | $101,519,500 | 842 |
| Average total loans | $213,905,500 | 2,088 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1758% | 2,781 |
| Cost of funding earning assets | 0.3874% | 3,361 |
| Net interest margin | 3.7884% | 2,470 |
| Noninterest income to average assets | 0.4430% | 3,351 |
| Noninterest expense to average assets | 1.2968% | 5,560 |
| Loan and lease loss provision to assets | 0.0313% | 3,650 |
| Net operating income to assets | 2.1855% | 196 |
| Return on assets (ROA) | 2.1674% | 206 |
| Pretax return on assets | 2.7645% | 122 |
| Return on Equity (ROE) | 12.5225% | 1,074 |
| Retained earnings to average equity (ytd only) | 4.3217% | 2,558 |
| Net charge-offs to loans | 0.1237% | 1,815 |
| Credit loss provision to net charge-offs | 74.7934% | 3,019 |
| Earnings coverage of net charge-offs (x) | 67.3678% | 878 |
| Efficiency ratio | 31.5086% | 5,623 |
| Assets per employee ($millions) | 7.6656% | 714 |
| Cash dividends to net income (ytd only)* | 65.4886% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7487% | 4,957 |
| Loan loss allowance to noncurrent loans | 121.0366% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 3,427 |
| Noncurrent loans to loans | 0.6186% | 2,680 |
| Net loans and leases to total assets | 36.1353% | 5,283 |
| Net loans and leases to deposits | 44.3648% | 5,238 |
| Net loans and leases to core deposits | 52.3263% | 5,060 |
| Total domestic deposits to total assets | 81.4503% | 4,015 |
| Equity capital to assets | 18.1860% | 297 |
| Core capital (leverage) ratio | 17.9351% | 297 |
| Tier 1 risk-based capital ratio | 29.1411% | 491 |
| Total risk-based capital ratio | 29.5840% | 521 |
| Memoranda: | ||
| Average total assets | $578,341,200 | 1,237 |
| Average earning assets | $560,688,600 | 1,185 |
| Average equity | $100,099,600 | 826 |
| Average total loans | $195,702,400 | 2,195 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 2,891 |
| Cost of funding earning assets | 0.3766% | 3,409 |
| Net interest margin | 3.7503% | 2,579 |
| Noninterest income to average assets | 0.4635% | 3,253 |
| Noninterest expense to average assets | 1.1449% | 5,657 |
| Loan and lease loss provision to assets | 0.0330% | 3,464 |
| Net operating income to assets | 2.3129% | 176 |
| Return on assets (ROA) | 2.3263% | 174 |
| Pretax return on assets | 2.9478% | 120 |
| Return on Equity (ROE) | 13.6145% | 907 |
| Retained earnings to average equity (ytd only) | 2.5183% | 4,383 |
| Net charge-offs to loans | 0.0981% | 1,799 |
| Credit loss provision to net charge-offs | 101.4184% | 2,251 |
| Earnings coverage of net charge-offs (x) | 91.0119% | 735 |
| Efficiency ratio | 27.8640% | 5,702 |
| Assets per employee ($millions) | 7.3575% | 808 |
| Cash dividends to net income (ytd only)* | 81.5032% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 4,776 |
| Loan loss allowance to noncurrent loans | 121.1299% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 3,168 |
| Noncurrent loans to loans | 0.6980% | 2,611 |
| Net loans and leases to total assets | 33.3111% | 5,426 |
| Net loans and leases to deposits | 40.5880% | 5,404 |
| Net loans and leases to core deposits | 47.8283% | 5,263 |
| Total domestic deposits to total assets | 82.0712% | 3,756 |
| Equity capital to assets | 17.5793% | 372 |
| Core capital (leverage) ratio | 17.6544% | 327 |
| Tier 1 risk-based capital ratio | 29.4121% | 499 |
| Total risk-based capital ratio | 29.8881% | 529 |
| Memoranda: | ||
| Average total assets | $577,280,000 | 1,246 |
| Average earning assets | $561,120,750 | 1,190 |
| Average equity | $98,637,250 | 841 |
| Average total loans | $191,601,250 | 2,241 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 2,807 |
| Cost of funding earning assets | 0.3722% | 3,361 |
| Net interest margin | 3.7343% | 2,534 |
| Noninterest income to average assets | 0.4528% | 3,336 |
| Noninterest expense to average assets | 1.1345% | 5,713 |
| Loan and lease loss provision to assets | 0.0396% | 3,219 |
| Net operating income to assets | 2.3031% | 177 |
| Return on assets (ROA) | 2.3130% | 170 |
| Pretax return on assets | 2.9283% | 120 |
| Return on Equity (ROE) | 13.6696% | 878 |
| Retained earnings to average equity (ytd only) | -3.1768% | 5,445 |
| Net charge-offs to loans | 0.1660% | 1,171 |
| Credit loss provision to net charge-offs | 72.1519% | 2,354 |
| Earnings coverage of net charge-offs (x) | 53.8671% | 1,020 |
| Efficiency ratio | 27.7382% | 5,749 |
| Assets per employee ($millions) | 7.4430% | 761 |
| Cash dividends to net income (ytd only)* | 123.2398% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8179% | 4,900 |
| Loan loss allowance to noncurrent loans | 120.6767% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 3,199 |
| Noncurrent loans to loans | 0.6777% | 2,720 |
| Net loans and leases to total assets | 33.5254% | 5,463 |
| Net loans and leases to deposits | 40.5654% | 5,437 |
| Net loans and leases to core deposits | 47.7255% | 5,292 |
| Total domestic deposits to total assets | 82.6452% | 3,672 |
| Equity capital to assets | 17.0274% | 400 |
| Core capital (leverage) ratio | 17.1258% | 362 |
| Tier 1 risk-based capital ratio | 33.1618% | 355 |
| Total risk-based capital ratio | 33.7016% | 376 |
| Memoranda: | ||
| Average total assets | $575,960,330 | 1,254 |
| Average earning assets | $560,965,670 | 1,192 |
| Average equity | $97,457,000 | 853 |
| Average total loans | $190,379,000 | 2,255 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 2,696 |
| Cost of funding earning assets | 0.3668% | 3,351 |
| Net interest margin | 3.7211% | 2,414 |
| Noninterest income to average assets | 0.4734% | 3,168 |
| Noninterest expense to average assets | 1.1400% | 5,781 |
| Loan and lease loss provision to assets | 0.0397% | 3,011 |
| Net operating income to assets | 2.4404% | 154 |
| Return on assets (ROA) | 2.4474% | 155 |
| Pretax return on assets | 2.9237% | 144 |
| Return on Equity (ROE) | 14.5103% | 725 |
| Retained earnings to average equity (ytd only) | -19.4256% | 5,717 |
| Net charge-offs to loans | 0.1238% | 1,179 |
| Credit loss provision to net charge-offs | 98.2759% | 1,634 |
| Earnings coverage of net charge-offs (x) | 73.0690% | 699 |
| Efficiency ratio | 27.8393% | 5,811 |
| Assets per employee ($millions) | 7.6054% | 724 |
| Cash dividends to net income (ytd only)* | 233.8746% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 4,905 |
| Loan loss allowance to noncurrent loans | 192.9742% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 3,689 |
| Noncurrent loans to loans | 0.4449% | 3,501 |
| Net loans and leases to total assets | 32.9245% | 5,503 |
| Net loans and leases to deposits | 39.5568% | 5,483 |
| Net loans and leases to core deposits | 46.5592% | 5,350 |
| Total domestic deposits to total assets | 83.2335% | 3,751 |
| Equity capital to assets | 16.3598% | 444 |
| Core capital (leverage) ratio | 16.7271% | 387 |
| Tier 1 risk-based capital ratio | 33.1415% | 373 |
| Total risk-based capital ratio | 33.7138% | 390 |
| Memoranda: | ||
| Average total assets | $573,663,500 | 1,253 |
| Average earning assets | $558,327,000 | 1,192 |
| Average equity | $96,759,000 | 854 |
| Average total loans | $187,449,500 | 2,295 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 2,320 |
| Cost of funding earning assets | 0.3957% | 3,041 |
| Net interest margin | 3.8525% | 2,123 |
| Noninterest income to average assets | 0.4236% | 3,721 |
| Noninterest expense to average assets | 1.4285% | 5,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.1568% | 243 |
| Return on assets (ROA) | 2.1970% | 237 |
| Pretax return on assets | 2.7162% | 150 |
| Return on Equity (ROE) | 12.8978% | 1,016 |
| Retained earnings to average equity (ytd only) | 4.5295% | 2,680 |
| Net charge-offs to loans | 0.2111% | 1,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 38.5141% | 1,209 |
| Efficiency ratio | 34.8835% | 5,835 |
| Assets per employee ($millions) | 7.4910% | 735 |
| Cash dividends to net income (ytd only)* | 64.8817% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 4,780 |
| Loan loss allowance to noncurrent loans | 118.2079% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 3,136 |
| Noncurrent loans to loans | 0.7625% | 2,635 |
| Net loans and leases to total assets | 31.8443% | 5,603 |
| Net loans and leases to deposits | 38.7015% | 5,585 |
| Net loans and leases to core deposits | 45.2445% | 5,459 |
| Total domestic deposits to total assets | 82.2818% | 4,001 |
| Equity capital to assets | 17.3817% | 348 |
| Core capital (leverage) ratio | 17.6553% | 304 |
| Tier 1 risk-based capital ratio | 29.8036% | 486 |
| Total risk-based capital ratio | 30.2943% | 507 |
| Memoranda: | ||
| Average total assets | $561,849,800 | 1,242 |
| Average earning assets | $535,444,600 | 1,200 |
| Average equity | $95,706,200 | 834 |
| Average total loans | $184,276,400 | 2,271 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 2,224 |
| Cost of funding earning assets | 0.4016% | 3,007 |
| Net interest margin | 3.8788% | 2,055 |
| Noninterest income to average assets | 0.4100% | 3,847 |
| Noninterest expense to average assets | 1.3112% | 5,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.2345% | 235 |
| Return on assets (ROA) | 2.2879% | 226 |
| Pretax return on assets | 2.8426% | 137 |
| Return on Equity (ROE) | 13.5011% | 921 |
| Retained earnings to average equity (ytd only) | 2.2481% | 4,572 |
| Net charge-offs to loans | 0.0946% | 2,008 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 89.0011% | 709 |
| Efficiency ratio | 32.0809% | 5,924 |
| Assets per employee ($millions) | 7.4768% | 725 |
| Cash dividends to net income (ytd only)* | 83.3489% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 4,118 |
| Loan loss allowance to noncurrent loans | 107.6185% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5779% | 3,166 |
| Noncurrent loans to loans | 0.9764% | 2,287 |
| Net loans and leases to total assets | 31.6037% | 5,689 |
| Net loans and leases to deposits | 38.3532% | 5,669 |
| Net loans and leases to core deposits | 44.8835% | 5,553 |
| Total domestic deposits to total assets | 82.4018% | 3,807 |
| Equity capital to assets | 17.2376% | 413 |
| Core capital (leverage) ratio | 17.3542% | 339 |
| Tier 1 risk-based capital ratio | 29.3353% | 506 |
| Total risk-based capital ratio | 29.9096% | 532 |
| Memoranda: | ||
| Average total assets | $559,983,000 | 1,244 |
| Average earning assets | $530,871,750 | 1,207 |
| Average equity | $94,893,500 | 844 |
| Average total loans | $184,609,500 | 2,269 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2556% | 2,310 |
| Cost of funding earning assets | 0.4012% | 3,033 |
| Net interest margin | 3.8544% | 2,121 |
| Noninterest income to average assets | 0.3919% | 3,932 |
| Noninterest expense to average assets | 1.2882% | 5,950 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.2506% | 210 |
| Return on assets (ROA) | 2.2788% | 212 |
| Pretax return on assets | 2.8250% | 137 |
| Return on Equity (ROE) | 13.5266% | 921 |
| Retained earnings to average equity (ytd only) | -3.5366% | 5,674 |
| Net charge-offs to loans | 0.0679% | 2,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 123.3968% | 477 |
| Efficiency ratio | 31.5850% | 6,003 |
| Assets per employee ($millions) | 7.3428% | 751 |
| Cash dividends to net income (ytd only)* | 126.1458% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 4,167 |
| Loan loss allowance to noncurrent loans | 104.6081% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5949% | 3,235 |
| Noncurrent loans to loans | 1.0137% | 2,262 |
| Net loans and leases to total assets | 33.0215% | 5,709 |
| Net loans and leases to deposits | 39.9226% | 5,695 |
| Net loans and leases to core deposits | 46.7447% | 5,544 |
| Total domestic deposits to total assets | 82.7138% | 3,755 |
| Equity capital to assets | 16.9703% | 435 |
| Core capital (leverage) ratio | 17.0412% | 366 |
| Tier 1 risk-based capital ratio | 28.6421% | 553 |
| Total risk-based capital ratio | 29.2430% | 581 |
| Memoranda: | ||
| Average total assets | $557,230,670 | 1,256 |
| Average earning assets | $532,946,330 | 1,213 |
| Average equity | $93,874,330 | 850 |
| Average total loans | $185,648,670 | 2,256 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 2,287 |
| Cost of funding earning assets | 0.4050% | 3,009 |
| Net interest margin | 3.8493% | 2,107 |
| Noninterest income to average assets | 0.3721% | 4,060 |
| Noninterest expense to average assets | 1.2966% | 6,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.2282% | 220 |
| Return on assets (ROA) | 2.2334% | 233 |
| Pretax return on assets | 2.7549% | 158 |
| Return on Equity (ROE) | 13.3062% | 968 |
| Retained earnings to average equity (ytd only) | -20.9715% | 5,975 |
| Net charge-offs to loans | -0.0194% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.0547% | 6,060 |
| Assets per employee ($millions) | 7.5010% | 704 |
| Cash dividends to net income (ytd only)* | 257.6069% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 3,972 |
| Loan loss allowance to noncurrent loans | 137.7524% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 3,539 |
| Noncurrent loans to loans | 0.8087% | 2,817 |
| Net loans and leases to total assets | 32.7340% | 5,764 |
| Net loans and leases to deposits | 39.3549% | 5,732 |
| Net loans and leases to core deposits | 46.1516% | 5,581 |
| Total domestic deposits to total assets | 83.1764% | 3,831 |
| Equity capital to assets | 16.4314% | 487 |
| Core capital (leverage) ratio | 16.4733% | 422 |
| Tier 1 risk-based capital ratio | 27.8039% | 622 |
| Total risk-based capital ratio | 28.4300% | 644 |
| Memoranda: | ||
| Average total assets | $556,820,000 | 1,261 |
| Average earning assets | $531,317,500 | 1,219 |
| Average equity | $93,460,000 | 848 |
| Average total loans | $185,347,000 | 2,260 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4461% | 1,757 |
| Cost of funding earning assets | 0.4174% | 2,969 |
| Net interest margin | 4.0287% | 1,620 |
| Noninterest income to average assets | 0.5569% | 2,981 |
| Noninterest expense to average assets | 1.5160% | 5,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.3095% | 202 |
| Return on assets (ROA) | 2.3206% | 206 |
| Pretax return on assets | 2.8948% | 121 |
| Return on Equity (ROE) | 13.8401% | 872 |
| Retained earnings to average equity (ytd only) | 5.2578% | 2,236 |
| Net charge-offs to loans | 0.4181% | 683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 19.6902% | 1,929 |
| Efficiency ratio | 34.4789% | 6,116 |
| Assets per employee ($millions) | 7.3496% | 767 |
| Cash dividends to net income (ytd only)* | 62.0106% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 4,099 |
| Loan loss allowance to noncurrent loans | 134.2556% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 3,736 |
| Noncurrent loans to loans | 0.8120% | 2,753 |
| Net loans and leases to total assets | 33.1046% | 5,803 |
| Net loans and leases to deposits | 40.0841% | 5,769 |
| Net loans and leases to core deposits | 46.6183% | 5,619 |
| Total domestic deposits to total assets | 82.5878% | 3,981 |
| Equity capital to assets | 17.1356% | 394 |
| Core capital (leverage) ratio | 17.4701% | 316 |
| Tier 1 risk-based capital ratio | 29.1309% | 549 |
| Total risk-based capital ratio | 29.7505% | 567 |
| Memoranda: | ||
| Average total assets | $542,662,800 | 1,252 |
| Average earning assets | $517,267,400 | 1,213 |
| Average equity | $90,989,200 | 833 |
| Average total loans | $189,920,400 | 2,157 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4036% | 1,909 |
| Cost of funding earning assets | 0.4194% | 3,017 |
| Net interest margin | 3.9841% | 1,748 |
| Noninterest income to average assets | 0.5906% | 2,801 |
| Noninterest expense to average assets | 1.3321% | 6,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.4338% | 175 |
| Return on assets (ROA) | 2.4471% | 180 |
| Pretax return on assets | 3.0793% | 114 |
| Return on Equity (ROE) | 14.6784% | 775 |
| Retained earnings to average equity (ytd only) | 3.0850% | 4,255 |
| Net charge-offs to loans | 0.5825% | 383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 14.8535% | 2,223 |
| Efficiency ratio | 30.3126% | 6,222 |
| Assets per employee ($millions) | 7.1411% | 814 |
| Cash dividends to net income (ytd only)* | 78.9825% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 4,493 |
| Loan loss allowance to noncurrent loans | 100.8069% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.6827% | 3,206 |
| Noncurrent loans to loans | 1.0379% | 2,400 |
| Net loans and leases to total assets | 34.8359% | 5,826 |
| Net loans and leases to deposits | 42.2051% | 5,799 |
| Net loans and leases to core deposits | 49.3461% | 5,601 |
| Total domestic deposits to total assets | 82.5397% | 3,972 |
| Equity capital to assets | 17.1235% | 423 |
| Core capital (leverage) ratio | 17.0616% | 378 |
| Tier 1 risk-based capital ratio | 28.2427% | 604 |
| Total risk-based capital ratio | 28.8491% | 629 |
| Memoranda: | ||
| Average total assets | $538,686,250 | 1,268 |
| Average earning assets | $514,325,750 | 1,226 |
| Average equity | $89,808,000 | 856 |
| Average total loans | $190,663,000 | 2,170 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4009% | 1,850 |
| Cost of funding earning assets | 0.4190% | 3,044 |
| Net interest margin | 3.9819% | 1,692 |
| Noninterest income to average assets | 0.6878% | 2,266 |
| Noninterest expense to average assets | 1.3679% | 6,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.4597% | 174 |
| Return on assets (ROA) | 2.4770% | 179 |
| Pretax return on assets | 3.1373% | 121 |
| Return on Equity (ROE) | 14.9945% | 733 |
| Retained earnings to average equity (ytd only) | -2.6001% | 5,874 |
| Net charge-offs to loans | 0.8797% | 235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.9881% | 2,403 |
| Efficiency ratio | 30.5106% | 6,295 |
| Assets per employee ($millions) | 7.1394% | 789 |
| Cash dividends to net income (ytd only)* | 117.3403% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 4,438 |
| Loan loss allowance to noncurrent loans | 90.2671% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.8343% | 2,889 |
| Noncurrent loans to loans | 1.1966% | 2,266 |
| Net loans and leases to total assets | 33.6561% | 5,921 |
| Net loans and leases to deposits | 40.4047% | 5,889 |
| Net loans and leases to core deposits | 47.1901% | 5,716 |
| Total domestic deposits to total assets | 83.2975% | 3,834 |
| Equity capital to assets | 16.4234% | 471 |
| Core capital (leverage) ratio | 16.6484% | 393 |
| Tier 1 risk-based capital ratio | 28.2156% | 628 |
| Total risk-based capital ratio | 28.8416% | 658 |
| Memoranda: | ||
| Average total assets | $537,339,330 | 1,274 |
| Average earning assets | $512,173,000 | 1,235 |
| Average equity | $88,766,000 | 871 |
| Average total loans | $190,529,670 | 2,179 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 1,715 |
| Cost of funding earning assets | 0.4180% | 3,103 |
| Net interest margin | 3.9972% | 1,562 |
| Noninterest income to average assets | 0.9403% | 1,265 |
| Noninterest expense to average assets | 1.4161% | 6,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.5321% | 144 |
| Return on assets (ROA) | 2.5651% | 147 |
| Pretax return on assets | 3.3738% | 111 |
| Return on Equity (ROE) | 15.4820% | 634 |
| Retained earnings to average equity (ytd only) | -19.7758% | 6,270 |
| Net charge-offs to loans | 0.1054% | 1,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 87.2941% | 550 |
| Efficiency ratio | 29.8345% | 6,367 |
| Assets per employee ($millions) | 7.1512% | 806 |
| Cash dividends to net income (ytd only)* | 227.7340% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 2,725 |
| Loan loss allowance to noncurrent loans | 87.3979% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.1248% | 2,385 |
| Noncurrent loans to loans | 1.6508% | 1,686 |
| Net loans and leases to total assets | 35.4214% | 5,853 |
| Net loans and leases to deposits | 42.4794% | 5,812 |
| Net loans and leases to core deposits | 49.7331% | 5,602 |
| Total domestic deposits to total assets | 83.3849% | 4,055 |
| Equity capital to assets | 16.1543% | 527 |
| Core capital (leverage) ratio | 16.2765% | 433 |
| Tier 1 risk-based capital ratio | 27.1326% | 700 |
| Total risk-based capital ratio | 28.0034% | 716 |
| Memoranda: | ||
| Average total assets | $534,713,500 | 1,279 |
| Average earning assets | $509,150,500 | 1,248 |
| Average equity | $88,593,000 | 873 |
| Average total loans | $193,490,000 | 2,141 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 1,599 |
| Cost of funding earning assets | 0.4392% | 3,286 |
| Net interest margin | 4.1475% | 1,443 |
| Noninterest income to average assets | 0.4058% | 4,141 |
| Noninterest expense to average assets | 1.4862% | 6,303 |
| Loan and lease loss provision to assets | -0.0099% | 5,916 |
| Net operating income to assets | 2.3186% | 186 |
| Return on assets (ROA) | 2.3121% | 191 |
| Pretax return on assets | 2.8574% | 129 |
| Return on Equity (ROE) | 14.3855% | 868 |
| Retained earnings to average equity (ytd only) | 5.3769% | 2,352 |
| Net charge-offs to loans | 0.1299% | 2,718 |
| Credit loss provision to net charge-offs | -19.9234% | 5,351 |
| Earnings coverage of net charge-offs (x) | 57.4866% | 818 |
| Efficiency ratio | 34.2305% | 6,449 |
| Assets per employee ($millions) | 6.7479% | 937 |
| Cash dividends to net income (ytd only)* | 62.6224% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 2,653 |
| Loan loss allowance to noncurrent loans | 75.7624% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2383% | 2,278 |
| Noncurrent loans to loans | 1.9246% | 1,460 |
| Net loans and leases to total assets | 35.9018% | 5,961 |
| Net loans and leases to deposits | 43.4128% | 5,901 |
| Net loans and leases to core deposits | 50.5631% | 5,690 |
| Total domestic deposits to total assets | 82.6985% | 4,182 |
| Equity capital to assets | 16.9848% | 418 |
| Core capital (leverage) ratio | 17.1856% | 352 |
| Tier 1 risk-based capital ratio | 28.3079% | 603 |
| Total risk-based capital ratio | 29.1886% | 607 |
| Memoranda: | ||
| Average total assets | $525,445,000 | 1,279 |
| Average earning assets | $498,632,400 | 1,236 |
| Average equity | $84,453,200 | 874 |
| Average total loans | $200,892,600 | 2,026 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5893% | 1,595 |
| Cost of funding earning assets | 0.4426% | 3,340 |
| Net interest margin | 4.1467% | 1,444 |
| Noninterest income to average assets | 0.3815% | 4,387 |
| Noninterest expense to average assets | 1.3737% | 6,424 |
| Loan and lease loss provision to assets | 0.0415% | 3,571 |
| Net operating income to assets | 2.3061% | 193 |
| Return on assets (ROA) | 2.3071% | 195 |
| Pretax return on assets | 2.9023% | 127 |
| Return on Equity (ROE) | 14.5644% | 894 |
| Retained earnings to average equity (ytd only) | 2.3328% | 4,886 |
| Net charge-offs to loans | 0.1725% | 2,073 |
| Credit loss provision to net charge-offs | 62.2137% | 2,906 |
| Earnings coverage of net charge-offs (x) | 44.0998% | 1,060 |
| Efficiency ratio | 31.8268% | 6,532 |
| Assets per employee ($millions) | 6.5813% | 976 |
| Cash dividends to net income (ytd only)* | 83.9828% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 2,485 |
| Loan loss allowance to noncurrent loans | 111.7388% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.1331% | 2,685 |
| Noncurrent loans to loans | 1.3918% | 2,326 |
| Net loans and leases to total assets | 36.6224% | 6,007 |
| Net loans and leases to deposits | 44.0758% | 5,967 |
| Net loans and leases to core deposits | 51.3935% | 5,721 |
| Total domestic deposits to total assets | 83.0896% | 4,108 |
| Equity capital to assets | 16.4352% | 499 |
| Core capital (leverage) ratio | 16.6784% | 405 |
| Tier 1 risk-based capital ratio | 27.5588% | 671 |
| Total risk-based capital ratio | 28.5139% | 673 |
| Memoranda: | ||
| Average total assets | $523,534,250 | 1,294 |
| Average earning assets | $496,763,250 | 1,251 |
| Average equity | $82,930,500 | 889 |
| Average total loans | $202,560,750 | 2,032 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 1,505 |
| Cost of funding earning assets | 0.4457% | 3,374 |
| Net interest margin | 4.1647% | 1,332 |
| Noninterest income to average assets | 0.3521% | 4,610 |
| Noninterest expense to average assets | 1.3920% | 6,480 |
| Loan and lease loss provision to assets | 0.0260% | 3,754 |
| Net operating income to assets | 2.3091% | 191 |
| Return on assets (ROA) | 2.2953% | 202 |
| Pretax return on assets | 2.8618% | 132 |
| Return on Equity (ROE) | 14.6751% | 845 |
| Retained earnings to average equity (ytd only) | -3.9422% | 6,173 |
| Net charge-offs to loans | 0.1231% | 2,441 |
| Credit loss provision to net charge-offs | 53.9683% | 2,734 |
| Earnings coverage of net charge-offs (x) | 60.2381% | 805 |
| Efficiency ratio | 32.3951% | 6,594 |
| Assets per employee ($millions) | 6.5725% | 976 |
| Cash dividends to net income (ytd only)* | 126.8634% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 2,763 |
| Loan loss allowance to noncurrent loans | 138.2445% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.0787% | 2,909 |
| Noncurrent loans to loans | 1.1054% | 3,016 |
| Net loans and leases to total assets | 37.8314% | 5,971 |
| Net loans and leases to deposits | 45.0924% | 5,934 |
| Net loans and leases to core deposits | 52.6750% | 5,631 |
| Total domestic deposits to total assets | 83.8975% | 3,959 |
| Equity capital to assets | 15.7969% | 583 |
| Core capital (leverage) ratio | 16.2026% | 450 |
| Tier 1 risk-based capital ratio | 26.3818% | 742 |
| Total risk-based capital ratio | 27.3419% | 751 |
| Memoranda: | ||
| Average total assets | $522,544,670 | 1,284 |
| Average earning assets | $494,968,670 | 1,249 |
| Average equity | $81,730,000 | 895 |
| Average total loans | $204,793,000 | 2,018 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 1,598 |
| Cost of funding earning assets | 0.4513% | 3,413 |
| Net interest margin | 4.1136% | 1,423 |
| Noninterest income to average assets | 0.3724% | 4,411 |
| Noninterest expense to average assets | 1.4467% | 6,532 |
| Loan and lease loss provision to assets | 0.0522% | 3,056 |
| Net operating income to assets | 2.2141% | 231 |
| Return on assets (ROA) | 2.1846% | 255 |
| Pretax return on assets | 2.7283% | 175 |
| Return on Equity (ROE) | 14.0381% | 938 |
| Retained earnings to average equity (ytd only) | -22.6337% | 6,561 |
| Net charge-offs to loans | 0.1416% | 1,874 |
| Credit loss provision to net charge-offs | 93.1507% | 1,773 |
| Earnings coverage of net charge-offs (x) | 50.2603% | 751 |
| Efficiency ratio | 33.9276% | 6,654 |
| Assets per employee ($millions) | 6.4829% | 1,028 |
| Cash dividends to net income (ytd only)* | 261.2302% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 2,949 |
| Loan loss allowance to noncurrent loans | 145.9786% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.1297% | 2,989 |
| Noncurrent loans to loans | 1.0586% | 3,307 |
| Net loans and leases to total assets | 38.0978% | 5,936 |
| Net loans and leases to deposits | 45.0717% | 5,913 |
| Net loans and leases to core deposits | 52.2334% | 5,603 |
| Total domestic deposits to total assets | 84.5271% | 4,074 |
| Equity capital to assets | 15.0686% | 656 |
| Core capital (leverage) ratio | 15.7456% | 509 |
| Tier 1 risk-based capital ratio | 25.5067% | 835 |
| Total risk-based capital ratio | 26.4852% | 848 |
| Memoranda: | ||
| Average total assets | $520,917,500 | 1,293 |
| Average earning assets | $492,807,000 | 1,259 |
| Average equity | $81,065,000 | 905 |
| Average total loans | $206,187,500 | 2,001 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7721% | 1,381 |
| Cost of funding earning assets | 0.5284% | 3,301 |
| Net interest margin | 4.2437% | 1,239 |
| Noninterest income to average assets | 0.4790% | 3,896 |
| Noninterest expense to average assets | 1.5077% | 6,571 |
| Loan and lease loss provision to assets | 0.0975% | 3,174 |
| Net operating income to assets | 2.2507% | 225 |
| Return on assets (ROA) | 2.3003% | 214 |
| Pretax return on assets | 2.9401% | 130 |
| Return on Equity (ROE) | 14.2606% | 894 |
| Retained earnings to average equity (ytd only) | 5.3719% | 2,370 |
| Net charge-offs to loans | 0.9809% | 603 |
| Credit loss provision to net charge-offs | 23.8298% | 4,373 |
| Earnings coverage of net charge-offs (x) | 7.2657% | 2,879 |
| Efficiency ratio | 33.6399% | 6,747 |
| Assets per employee ($millions) | 6.3793% | 1,050 |
| Cash dividends to net income (ytd only)* | 62.3307% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 3,167 |
| Loan loss allowance to noncurrent loans | 115.5400% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2711% | 2,873 |
| Noncurrent loans to loans | 1.3013% | 2,961 |
| Net loans and leases to total assets | 39.8732% | 5,977 |
| Net loans and leases to deposits | 47.6713% | 5,916 |
| Net loans and leases to core deposits | 55.5638% | 5,570 |
| Total domestic deposits to total assets | 83.6419% | 4,302 |
| Equity capital to assets | 16.0633% | 519 |
| Core capital (leverage) ratio | 16.7327% | 396 |
| Tier 1 risk-based capital ratio | 26.8555% | 694 |
| Total risk-based capital ratio | 27.8326% | 704 |
| Memoranda: | ||
| Average total assets | $516,681,600 | 1,285 |
| Average earning assets | $487,358,400 | 1,255 |
| Average equity | $83,341,600 | 856 |
| Average total loans | $215,612,600 | 1,894 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 1,394 |
| Cost of funding earning assets | 0.5400% | 3,360 |
| Net interest margin | 4.2399% | 1,223 |
| Noninterest income to average assets | 0.5037% | 3,778 |
| Noninterest expense to average assets | 1.4206% | 6,680 |
| Loan and lease loss provision to assets | 0.1301% | 2,660 |
| Net operating income to assets | 2.3059% | 213 |
| Return on assets (ROA) | 2.3697% | 210 |
| Pretax return on assets | 3.0342% | 132 |
| Return on Equity (ROE) | 14.6761% | 861 |
| Retained earnings to average equity (ytd only) | 2.8368% | 4,622 |
| Net charge-offs to loans | 1.2528% | 428 |
| Credit loss provision to net charge-offs | 24.6938% | 3,986 |
| Earnings coverage of net charge-offs (x) | 5.8525% | 3,092 |
| Efficiency ratio | 31.5473% | 6,825 |
| Assets per employee ($millions) | 6.3481% | 1,004 |
| Cash dividends to net income (ytd only)* | 80.6709% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 3,366 |
| Loan loss allowance to noncurrent loans | 144.8043% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 3,291 |
| Noncurrent loans to loans | 1.0513% | 3,699 |
| Net loans and leases to total assets | 40.4985% | 5,995 |
| Net loans and leases to deposits | 48.1780% | 5,952 |
| Net loans and leases to core deposits | 56.0571% | 5,619 |
| Total domestic deposits to total assets | 84.0602% | 4,161 |
| Equity capital to assets | 15.6343% | 610 |
| Core capital (leverage) ratio | 16.1272% | 477 |
| Tier 1 risk-based capital ratio | 26.0787% | 780 |
| Total risk-based capital ratio | 27.0812% | 785 |
| Memoranda: | ||
| Average total assets | $516,671,250 | 1,295 |
| Average earning assets | $487,361,750 | 1,266 |
| Average equity | $83,426,250 | 861 |
| Average total loans | $217,221,000 | 1,884 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 1,411 |
| Cost of funding earning assets | 0.5503% | 3,408 |
| Net interest margin | 4.2148% | 1,239 |
| Noninterest income to average assets | 0.5260% | 3,662 |
| Noninterest expense to average assets | 1.4002% | 6,732 |
| Loan and lease loss provision to assets | 0.1948% | 1,953 |
| Net operating income to assets | 2.2153% | 248 |
| Return on assets (ROA) | 2.3084% | 224 |
| Pretax return on assets | 3.0315% | 143 |
| Return on Equity (ROE) | 14.1477% | 978 |
| Retained earnings to average equity (ytd only) | 14.1477% | 293 |
| Net charge-offs to loans | 0.1077% | 3,281 |
| Credit loss provision to net charge-offs | 427.1186% | 632 |
| Earnings coverage of net charge-offs (x) | 68.0593% | 651 |
| Efficiency ratio | 31.0880% | 6,870 |
| Assets per employee ($millions) | 6.3678% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3655% | 1,145 |
| Loan loss allowance to noncurrent loans | 117.9317% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.6052% | 2,709 |
| Noncurrent loans to loans | 2.0059% | 2,396 |
| Net loans and leases to total assets | 40.6521% | 6,002 |
| Net loans and leases to deposits | 48.9109% | 5,926 |
| Net loans and leases to core deposits | 56.7546% | 5,544 |
| Total domestic deposits to total assets | 83.1146% | 4,660 |
| Equity capital to assets | 16.5521% | 462 |
| Core capital (leverage) ratio | 16.9436% | 374 |
| Tier 1 risk-based capital ratio | 27.1287% | 683 |
| Total risk-based capital ratio | 28.3828% | 672 |
| Memoranda: | ||
| Average total assets | $517,496,000 | 1,294 |
| Average earning assets | $488,419,670 | 1,258 |
| Average equity | $84,438,000 | 848 |
| Average total loans | $219,141,000 | 1,864 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7297% | 1,455 |
| Cost of funding earning assets | 0.5660% | 3,418 |
| Net interest margin | 4.1637% | 1,294 |
| Noninterest income to average assets | 0.5140% | 3,686 |
| Noninterest expense to average assets | 1.5024% | 6,739 |
| Loan and lease loss provision to assets | 0.2904% | 1,208 |
| Net operating income to assets | 2.1000% | 293 |
| Return on assets (ROA) | 2.2944% | 224 |
| Pretax return on assets | 2.9032% | 169 |
| Return on Equity (ROE) | 14.1654% | 934 |
| Retained earnings to average equity (ytd only) | 14.1654% | 434 |
| Net charge-offs to loans | 0.1636% | 2,420 |
| Credit loss provision to net charge-offs | 415.5556% | 625 |
| Earnings coverage of net charge-offs (x) | 42.1778% | 752 |
| Efficiency ratio | 33.7637% | 6,937 |
| Assets per employee ($millions) | 6.4184% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2760% | 1,447 |
| Loan loss allowance to noncurrent loans | 97.3725% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.7313% | 2,692 |
| Noncurrent loans to loans | 2.3374% | 2,237 |
| Net loans and leases to total assets | 41.6252% | 5,873 |
| Net loans and leases to deposits | 49.9736% | 5,786 |
| Net loans and leases to core deposits | 58.3381% | 5,308 |
| Total domestic deposits to total assets | 83.2944% | 4,765 |
| Equity capital to assets | 16.3141% | 518 |
| Core capital (leverage) ratio | 16.4933% | 405 |
| Tier 1 risk-based capital ratio | 26.3232% | 760 |
| Total risk-based capital ratio | 27.5772% | 747 |
| Memoranda: | ||
| Average total assets | $515,163,000 | 1,310 |
| Average earning assets | $486,968,000 | 1,273 |
| Average equity | $83,442,500 | 869 |
| Average total loans | $220,005,000 | 1,869 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9532% | 1,679 |
| Cost of funding earning assets | 0.6615% | 3,821 |
| Net interest margin | 4.2917% | 1,420 |
| Noninterest income to average assets | 0.4861% | 3,989 |
| Noninterest expense to average assets | 1.5457% | 6,838 |
| Loan and lease loss provision to assets | 0.8126% | 594 |
| Net operating income to assets | 1.8567% | 464 |
| Return on assets (ROA) | 1.8671% | 504 |
| Pretax return on assets | 2.1844% | 425 |
| Return on Equity (ROE) | 11.0388% | 1,793 |
| Retained earnings to average equity (ytd only) | -7.8343% | 6,565 |
| Net charge-offs to loans | 1.1154% | 940 |
| Credit loss provision to net charge-offs | 161.9945% | 1,661 |
| Earnings coverage of net charge-offs (x) | 5.9501% | 2,909 |
| Efficiency ratio | 34.0347% | 7,003 |
| Assets per employee ($millions) | 6.2249% | 1,152 |
| Cash dividends to net income (ytd only)* | 170.9705% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1760% | 1,593 |
| Loan loss allowance to noncurrent loans | 91.5848% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.8094% | 2,704 |
| Noncurrent loans to loans | 2.3759% | 2,257 |
| Net loans and leases to total assets | 41.8875% | 6,021 |
| Net loans and leases to deposits | 50.0961% | 5,946 |
| Net loans and leases to core deposits | 58.2358% | 5,522 |
| Total domestic deposits to total assets | 83.6143% | 4,491 |
| Equity capital to assets | 16.0783% | 543 |
| Core capital (leverage) ratio | 16.0643% | 449 |
| Tier 1 risk-based capital ratio | 26.0424% | 769 |
| Total risk-based capital ratio | 27.2956% | 758 |
| Memoranda: | ||
| Average total assets | $507,734,600 | 1,316 |
| Average earning assets | $478,479,200 | 1,270 |
| Average equity | $85,879,200 | 814 |
| Average total loans | $228,344,400 | 1,789 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0184% | 1,651 |
| Cost of funding earning assets | 0.6746% | 3,979 |
| Net interest margin | 4.3438% | 1,365 |
| Noninterest income to average assets | 0.4491% | 4,298 |
| Noninterest expense to average assets | 1.4470% | 6,965 |
| Loan and lease loss provision to assets | 0.8254% | 565 |
| Net operating income to assets | 1.9147% | 442 |
| Return on assets (ROA) | 1.9282% | 495 |
| Pretax return on assets | 2.2834% | 413 |
| Return on Equity (ROE) | 11.2598% | 1,867 |
| Retained earnings to average equity (ytd only) | 0.1919% | 6,021 |
| Net charge-offs to loans | 1.3663% | 670 |
| Credit loss provision to net charge-offs | 132.7273% | 2,176 |
| Earnings coverage of net charge-offs (x) | 4.9734% | 3,145 |
| Efficiency ratio | 31.7637% | 7,112 |
| Assets per employee ($millions) | 6.0829% | 1,199 |
| Cash dividends to net income (ytd only)* | 98.2954% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7695% | 2,901 |
| Loan loss allowance to noncurrent loans | 64.1292% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 1.9927% | 2,646 |
| Noncurrent loans to loans | 2.7592% | 2,050 |
| Net loans and leases to total assets | 42.9263% | 6,044 |
| Net loans and leases to deposits | 52.2031% | 5,964 |
| Net loans and leases to core deposits | 60.4110% | 5,514 |
| Total domestic deposits to total assets | 82.2293% | 4,941 |
| Equity capital to assets | 17.4141% | 408 |
| Core capital (leverage) ratio | 17.5023% | 333 |
| Tier 1 risk-based capital ratio | 28.1384% | 650 |
| Total risk-based capital ratio | 29.3884% | 630 |
| Memoranda: | ||
| Average total assets | $507,058,500 | 1,334 |
| Average earning assets | $477,513,750 | 1,293 |
| Average equity | $86,831,500 | 802 |
| Average total loans | $230,789,000 | 1,780 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0843% | 1,544 |
| Cost of funding earning assets | 0.6881% | 4,112 |
| Net interest margin | 4.3962% | 1,209 |
| Noninterest income to average assets | 0.3614% | 4,949 |
| Noninterest expense to average assets | 1.4976% | 7,007 |
| Loan and lease loss provision to assets | 1.0444% | 416 |
| Net operating income to assets | 1.7385% | 623 |
| Return on assets (ROA) | 1.7455% | 694 |
| Pretax return on assets | 1.9685% | 730 |
| Return on Equity (ROE) | 10.2513% | 2,260 |
| Retained earnings to average equity (ytd only) | -6.4889% | 6,697 |
| Net charge-offs to loans | 0.3609% | 2,569 |
| Credit loss provision to net charge-offs | 627.3159% | 500 |
| Earnings coverage of net charge-offs (x) | 18.0499% | 1,503 |
| Efficiency ratio | 33.0933% | 7,150 |
| Assets per employee ($millions) | 5.9486% | 1,271 |
| Cash dividends to net income (ytd only)* | 163.2986% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3674% | 1,464 |
| Loan loss allowance to noncurrent loans | 73.4586% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 2.3047% | 2,428 |
| Noncurrent loans to loans | 3.2227% | 1,806 |
| Net loans and leases to total assets | 44.0200% | 6,012 |
| Net loans and leases to deposits | 53.2855% | 5,928 |
| Net loans and leases to core deposits | 61.4892% | 5,435 |
| Total domestic deposits to total assets | 82.6116% | 4,902 |
| Equity capital to assets | 17.0370% | 440 |
| Core capital (leverage) ratio | 17.0823% | 357 |
| Tier 1 risk-based capital ratio | 27.1370% | 714 |
| Total risk-based capital ratio | 28.3926% | 697 |
| Memoranda: | ||
| Average total assets | $505,758,000 | 1,338 |
| Average earning assets | $476,407,670 | 1,303 |
| Average equity | $86,115,670 | 801 |
| Average total loans | $233,289,670 | 1,765 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 1,354 |
| Cost of funding earning assets | 0.7080% | 4,209 |
| Net interest margin | 4.4736% | 1,064 |
| Noninterest income to average assets | 0.2404% | 5,908 |
| Noninterest expense to average assets | 1.5934% | 6,980 |
| Loan and lease loss provision to assets | 1.2392% | 303 |
| Net operating income to assets | 1.6298% | 822 |
| Return on assets (ROA) | 1.6298% | 917 |
| Pretax return on assets | 1.6298% | 1,481 |
| Return on Equity (ROE) | 9.5747% | 2,572 |
| Retained earnings to average equity (ytd only) | -23.9113% | 7,086 |
| Net charge-offs to loans | 0.2407% | 2,730 |
| Credit loss provision to net charge-offs | 1,103.5211% | 316 |
| Earnings coverage of net charge-offs (x) | 25.5493% | 1,024 |
| Efficiency ratio | 35.5130% | 7,187 |
| Assets per employee ($millions) | 6.1506% | 1,188 |
| Cash dividends to net income (ytd only)* | 349.7331% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9814% | 2,419 |
| Loan loss allowance to noncurrent loans | 62.8689% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 2.2451% | 2,652 |
| Noncurrent loans to loans | 3.1517% | 2,034 |
| Net loans and leases to total assets | 44.5951% | 5,948 |
| Net loans and leases to deposits | 53.5203% | 5,859 |
| Net loans and leases to core deposits | 61.4860% | 5,382 |
| Total domestic deposits to total assets | 83.3237% | 4,807 |
| Equity capital to assets | 16.3458% | 521 |
| Core capital (leverage) ratio | 16.5221% | 409 |
| Tier 1 risk-based capital ratio | 26.0003% | 804 |
| Total risk-based capital ratio | 27.2525% | 788 |
| Memoranda: | ||
| Average total assets | $505,822,500 | 1,344 |
| Average earning assets | $477,377,500 | 1,303 |
| Average equity | $86,101,500 | 799 |
| Average total loans | $235,947,000 | 1,753 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2941% | 1,722 |
| Cost of funding earning assets | 0.8453% | 4,501 |
| Net interest margin | 4.4488% | 1,265 |
| Noninterest income to average assets | 0.4828% | 3,975 |
| Noninterest expense to average assets | 1.5986% | 7,123 |
| Loan and lease loss provision to assets | 0.4577% | 2,308 |
| Net operating income to assets | 2.1346% | 252 |
| Return on assets (ROA) | 2.1439% | 265 |
| Pretax return on assets | 2.6193% | 175 |
| Return on Equity (ROE) | 12.7138% | 1,226 |
| Retained earnings to average equity (ytd only) | 4.4609% | 2,998 |
| Net charge-offs to loans | 0.8161% | 2,115 |
| Credit loss provision to net charge-offs | 113.1011% | 2,917 |
| Earnings coverage of net charge-offs (x) | 7.5751% | 2,315 |
| Efficiency ratio | 34.0812% | 7,266 |
| Assets per employee ($millions) | 5.9660% | 1,253 |
| Cash dividends to net income (ytd only)* | 64.9129% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 4,779 |
| Loan loss allowance to noncurrent loans | 41.0571% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 2.4398% | 2,497 |
| Noncurrent loans to loans | 3.2291% | 2,000 |
| Net loans and leases to total assets | 47.1834% | 5,908 |
| Net loans and leases to deposits | 57.5835% | 5,740 |
| Net loans and leases to core deposits | 67.2231% | 5,133 |
| Total domestic deposits to total assets | 81.9390% | 5,149 |
| Equity capital to assets | 17.7110% | 363 |
| Core capital (leverage) ratio | 17.6437% | 321 |
| Tier 1 risk-based capital ratio | 27.2093% | 699 |
| Total risk-based capital ratio | 28.1842% | 689 |
| Memoranda: | ||
| Average total assets | $503,563,000 | 1,330 |
| Average earning assets | $473,318,200 | 1,294 |
| Average equity | $84,915,400 | 792 |
| Average total loans | $249,728,200 | 1,674 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3561% | 1,659 |
| Cost of funding earning assets | 0.8692% | 4,643 |
| Net interest margin | 4.4869% | 1,182 |
| Noninterest income to average assets | 0.4646% | 4,173 |
| Noninterest expense to average assets | 1.5214% | 7,215 |
| Loan and lease loss provision to assets | 0.2935% | 3,177 |
| Net operating income to assets | 2.2693% | 223 |
| Return on assets (ROA) | 2.2812% | 236 |
| Pretax return on assets | 2.8789% | 151 |
| Return on Equity (ROE) | 13.6991% | 1,107 |
| Retained earnings to average equity (ytd only) | 2.5696% | 4,829 |
| Net charge-offs to loans | 0.1903% | 4,271 |
| Credit loss provision to net charge-offs | 308.3333% | 923 |
| Earnings coverage of net charge-offs (x) | 33.1638% | 871 |
| Efficiency ratio | 32.3253% | 7,345 |
| Assets per employee ($millions) | 5.9789% | 1,217 |
| Cash dividends to net income (ytd only)* | 81.2428% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 4,155 |
| Loan loss allowance to noncurrent loans | 53.9425% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 2.1797% | 2,924 |
| Noncurrent loans to loans | 2.7614% | 2,523 |
| Net loans and leases to total assets | 48.1945% | 5,934 |
| Net loans and leases to deposits | 58.4746% | 5,799 |
| Net loans and leases to core deposits | 68.2996% | 5,149 |
| Total domestic deposits to total assets | 82.4196% | 4,915 |
| Equity capital to assets | 17.2513% | 462 |
| Core capital (leverage) ratio | 17.2068% | 381 |
| Tier 1 risk-based capital ratio | 26.4458% | 791 |
| Total risk-based capital ratio | 27.5650% | 782 |
| Memoranda: | ||
| Average total assets | $504,167,000 | 1,335 |
| Average earning assets | $473,512,750 | 1,299 |
| Average equity | $83,954,750 | 803 |
| Average total loans | $252,251,500 | 1,674 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4070% | 1,543 |
| Cost of funding earning assets | 0.8944% | 4,715 |
| Net interest margin | 4.5126% | 1,104 |
| Noninterest income to average assets | 0.4580% | 4,216 |
| Noninterest expense to average assets | 1.4833% | 7,322 |
| Loan and lease loss provision to assets | 0.3704% | 2,570 |
| Net operating income to assets | 2.2595% | 239 |
| Return on assets (ROA) | 2.2595% | 254 |
| Pretax return on assets | 2.8418% | 157 |
| Return on Equity (ROE) | 13.7324% | 1,037 |
| Retained earnings to average equity (ytd only) | -3.1423% | 6,390 |
| Net charge-offs to loans | 0.2170% | 3,833 |
| Credit loss provision to net charge-offs | 338.7681% | 903 |
| Earnings coverage of net charge-offs (x) | 29.3768% | 937 |
| Efficiency ratio | 31.4293% | 7,430 |
| Assets per employee ($millions) | 5.6501% | 1,444 |
| Cash dividends to net income (ytd only)* | 122.8827% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 4,445 |
| Loan loss allowance to noncurrent loans | 84.2540% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.7205% | 3,617 |
| Noncurrent loans to loans | 1.6968% | 3,889 |
| Net loans and leases to total assets | 48.9358% | 5,957 |
| Net loans and leases to deposits | 58.9178% | 5,828 |
| Net loans and leases to core deposits | 69.0168% | 5,184 |
| Total domestic deposits to total assets | 83.0578% | 4,731 |
| Equity capital to assets | 16.6375% | 523 |
| Core capital (leverage) ratio | 16.6240% | 439 |
| Tier 1 risk-based capital ratio | 25.4081% | 864 |
| Total risk-based capital ratio | 26.4936% | 865 |
| Memoranda: | ||
| Average total assets | $504,813,000 | 1,337 |
| Average earning assets | $474,053,670 | 1,297 |
| Average equity | $83,059,330 | 813 |
| Average total loans | $254,433,000 | 1,687 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3916% | 1,588 |
| Cost of funding earning assets | 0.9271% | 4,734 |
| Net interest margin | 4.4645% | 1,144 |
| Noninterest income to average assets | 0.4713% | 4,109 |
| Noninterest expense to average assets | 1.5651% | 7,328 |
| Loan and lease loss provision to assets | 0.5623% | 1,536 |
| Net operating income to assets | 2.0625% | 318 |
| Return on assets (ROA) | 2.0625% | 333 |
| Pretax return on assets | 2.5521% | 234 |
| Return on Equity (ROE) | 12.6056% | 1,298 |
| Retained earnings to average equity (ytd only) | -21.2671% | 7,174 |
| Net charge-offs to loans | 0.1791% | 3,420 |
| Credit loss provision to net charge-offs | 618.2609% | 603 |
| Earnings coverage of net charge-offs (x) | 34.2435% | 757 |
| Efficiency ratio | 33.2601% | 7,473 |
| Assets per employee ($millions) | 5.9502% | 1,232 |
| Cash dividends to net income (ytd only)* | 268.7117% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 4,851 |
| Loan loss allowance to noncurrent loans | 71.4693% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.7971% | 3,578 |
| Noncurrent loans to loans | 1.9043% | 3,696 |
| Net loans and leases to total assets | 50.2553% | 5,815 |
| Net loans and leases to deposits | 60.0341% | 5,724 |
| Net loans and leases to core deposits | 70.1487% | 5,025 |
| Total domestic deposits to total assets | 83.7112% | 4,616 |
| Equity capital to assets | 15.9232% | 588 |
| Core capital (leverage) ratio | 15.9286% | 515 |
| Tier 1 risk-based capital ratio | 24.0517% | 968 |
| Total risk-based capital ratio | 25.1002% | 968 |
| Memoranda: | ||
| Average total assets | $505,788,000 | 1,333 |
| Average earning assets | $476,743,000 | 1,294 |
| Average equity | $82,757,000 | 803 |
| Average total loans | $256,825,000 | 1,684 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5929% | 1,923 |
| Cost of funding earning assets | 1.2983% | 3,891 |
| Net interest margin | 4.2945% | 1,835 |
| Noninterest income to average assets | 0.6114% | 3,397 |
| Noninterest expense to average assets | 1.5126% | 7,442 |
| Loan and lease loss provision to assets | 0.4342% | 3,517 |
| Net operating income to assets | 2.1506% | 214 |
| Return on assets (ROA) | 2.1506% | 225 |
| Pretax return on assets | 2.7023% | 152 |
| Return on Equity (ROE) | 13.3655% | 1,006 |
| Retained earnings to average equity (ytd only) | 5.2064% | 2,305 |
| Net charge-offs to loans | 0.5397% | 3,454 |
| Credit loss provision to net charge-offs | 155.8488% | 2,270 |
| Earnings coverage of net charge-offs (x) | 11.2582% | 1,622 |
| Efficiency ratio | 32.3431% | 7,571 |
| Assets per employee ($millions) | 5.8139% | 1,345 |
| Cash dividends to net income (ytd only)* | 61.0459% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 5,794 |
| Loan loss allowance to noncurrent loans | 60.0124% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.7959% | 3,627 |
| Noncurrent loans to loans | 1.8944% | 3,693 |
| Net loans and leases to total assets | 50.0304% | 6,168 |
| Net loans and leases to deposits | 60.3914% | 6,014 |
| Net loans and leases to core deposits | 70.4676% | 5,404 |
| Total domestic deposits to total assets | 82.8436% | 4,865 |
| Equity capital to assets | 16.8007% | 476 |
| Core capital (leverage) ratio | 16.6821% | 424 |
| Tier 1 risk-based capital ratio | 25.2297% | 824 |
| Total risk-based capital ratio | 26.0952% | 840 |
| Memoranda: | ||
| Average total assets | $503,244,400 | 1,329 |
| Average earning assets | $473,139,000 | 1,295 |
| Average equity | $80,977,400 | 813 |
| Average total loans | $259,762,000 | 1,704 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6198% | 1,995 |
| Cost of funding earning assets | 1.3497% | 3,905 |
| Net interest margin | 4.2702% | 1,950 |
| Noninterest income to average assets | 0.5956% | 3,469 |
| Noninterest expense to average assets | 1.3834% | 7,600 |
| Loan and lease loss provision to assets | 0.5571% | 2,719 |
| Net operating income to assets | 2.1058% | 282 |
| Return on assets (ROA) | 2.1058% | 302 |
| Pretax return on assets | 2.6660% | 179 |
| Return on Equity (ROE) | 13.2335% | 1,200 |
| Retained earnings to average equity (ytd only) | 2.2189% | 4,840 |
| Net charge-offs to loans | 0.5298% | 3,181 |
| Credit loss provision to net charge-offs | 202.7027% | 1,756 |
| Earnings coverage of net charge-offs (x) | 11.7278% | 1,758 |
| Efficiency ratio | 29.8359% | 7,686 |
| Assets per employee ($millions) | 6.0409% | 1,215 |
| Cash dividends to net income (ytd only)* | 83.2325% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 5,321 |
| Loan loss allowance to noncurrent loans | 64.3217% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.7839% | 3,770 |
| Noncurrent loans to loans | 1.9182% | 3,781 |
| Net loans and leases to total assets | 50.3394% | 6,287 |
| Net loans and leases to deposits | 60.5243% | 6,271 |
| Net loans and leases to core deposits | 70.8730% | 5,659 |
| Total domestic deposits to total assets | 83.1722% | 4,520 |
| Equity capital to assets | 16.2193% | 635 |
| Core capital (leverage) ratio | 16.1273% | 539 |
| Tier 1 risk-based capital ratio | 24.7757% | 871 |
| Total risk-based capital ratio | 25.7406% | 878 |
| Memoranda: | ||
| Average total assets | $502,604,000 | 1,345 |
| Average earning assets | $472,102,000 | 1,314 |
| Average equity | $79,977,000 | 821 |
| Average total loans | $260,710,750 | 1,722 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6304% | 2,022 |
| Cost of funding earning assets | 1.3918% | 3,926 |
| Net interest margin | 4.2386% | 2,025 |
| Noninterest income to average assets | 0.6104% | 3,255 |
| Noninterest expense to average assets | 1.4100% | 7,661 |
| Loan and lease loss provision to assets | 0.5788% | 2,457 |
| Net operating income to assets | 2.0659% | 295 |
| Return on assets (ROA) | 2.0659% | 319 |
| Pretax return on assets | 2.6092% | 199 |
| Return on Equity (ROE) | 13.0679% | 1,226 |
| Retained earnings to average equity (ytd only) | -3.6161% | 6,392 |
| Net charge-offs to loans | 0.6832% | 2,509 |
| Credit loss provision to net charge-offs | 162.3740% | 2,430 |
| Earnings coverage of net charge-offs (x) | 8.9429% | 2,073 |
| Efficiency ratio | 30.4654% | 7,746 |
| Assets per employee ($millions) | 5.5973% | 1,541 |
| Cash dividends to net income (ytd only)* | 127.6715% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 6,238 |
| Loan loss allowance to noncurrent loans | 60.7652% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.6697% | 3,932 |
| Noncurrent loans to loans | 1.7086% | 4,125 |
| Net loans and leases to total assets | 50.7849% | 6,338 |
| Net loans and leases to deposits | 60.6046% | 6,355 |
| Net loans and leases to core deposits | 70.9202% | 5,778 |
| Total domestic deposits to total assets | 83.7971% | 4,199 |
| Equity capital to assets | 15.7999% | 707 |
| Core capital (leverage) ratio | 15.6871% | 608 |
| Tier 1 risk-based capital ratio | 24.4367% | 898 |
| Total risk-based capital ratio | 25.2653% | 925 |
| Memoranda: | ||
| Average total assets | $500,994,000 | 1,355 |
| Average earning assets | $471,333,330 | 1,319 |
| Average equity | $79,202,000 | 827 |
| Average total loans | $261,404,330 | 1,744 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6271% | 2,045 |
| Cost of funding earning assets | 1.4354% | 3,959 |
| Net interest margin | 4.1916% | 2,075 |
| Noninterest income to average assets | 0.6797% | 2,739 |
| Noninterest expense to average assets | 1.4579% | 7,736 |
| Loan and lease loss provision to assets | 0.3162% | 3,522 |
| Net operating income to assets | 2.3626% | 184 |
| Return on assets (ROA) | 2.3626% | 207 |
| Pretax return on assets | 2.8566% | 154 |
| Return on Equity (ROE) | 14.9405% | 889 |
| Retained earnings to average equity (ytd only) | -18.5099% | 7,329 |
| Net charge-offs to loans | 0.6178% | 2,271 |
| Credit loss provision to net charge-offs | 97.2906% | 3,502 |
| Earnings coverage of net charge-offs (x) | 9.7611% | 1,811 |
| Efficiency ratio | 31.2932% | 7,841 |
| Assets per employee ($millions) | 5.7645% | 1,436 |
| Cash dividends to net income (ytd only)* | 223.8902% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 7,110 |
| Loan loss allowance to noncurrent loans | 36.8834% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 1.8321% | 3,729 |
| Noncurrent loans to loans | 2.1886% | 3,543 |
| Net loans and leases to total assets | 51.8455% | 6,290 |
| Net loans and leases to deposits | 61.6417% | 6,312 |
| Net loans and leases to core deposits | 72.1881% | 5,691 |
| Total domestic deposits to total assets | 84.1079% | 4,095 |
| Equity capital to assets | 15.4120% | 780 |
| Core capital (leverage) ratio | 15.4272% | 667 |
| Tier 1 risk-based capital ratio | 23.6514% | 997 |
| Total risk-based capital ratio | 24.3020% | 1,045 |
| Memoranda: | ||
| Average total assets | $499,613,000 | 1,391 |
| Average earning assets | $470,937,500 | 1,349 |
| Average equity | $79,006,500 | 833 |
| Average total loans | $262,848,500 | 1,785 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9546% | 2,037 |
| Cost of funding earning assets | 1.8359% | 3,805 |
| Net interest margin | 4.1187% | 2,370 |
| Noninterest income to average assets | 0.6498% | 3,292 |
| Noninterest expense to average assets | 1.5482% | 7,796 |
| Loan and lease loss provision to assets | 0.5819% | 3,469 |
| Net operating income to assets | 1.9869% | 237 |
| Return on assets (ROA) | 1.8271% | 345 |
| Pretax return on assets | 2.2189% | 264 |
| Return on Equity (ROE) | 11.7257% | 1,229 |
| Retained earnings to average equity (ytd only) | 3.1378% | 2,961 |
| Net charge-offs to loans | 1.0772% | 2,266 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 5.1479% | 2,678 |
| Efficiency ratio | 33.8727% | 7,915 |
| Assets per employee ($millions) | 5.6558% | 1,506 |
| Cash dividends to net income (ytd only)* | 73.2402% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8070% | 7,109 |
| Loan loss allowance to noncurrent loans | 36.5778% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 1.5722% | 4,025 |
| Noncurrent loans to loans | 2.2063% | 3,383 |
| Net loans and leases to total assets | 52.5287% | 6,363 |
| Net loans and leases to deposits | 63.0409% | 6,360 |
| Net loans and leases to core deposits | 96.4396% | 4,409 |
| Total domestic deposits to total assets | 83.3247% | 4,377 |
| Equity capital to assets | 16.2182% | 668 |
| Core capital (leverage) ratio | 16.1676% | 594 |
| Tier 1 risk-based capital ratio | 24.5967% | 892 |
| Total risk-based capital ratio | 25.2461% | 927 |
| Memoranda: | ||
| Average total assets | $493,721,000 | 1,403 |
| Average earning assets | $466,799,000 | 1,348 |
| Average equity | $76,933,600 | 839 |
| Average total loans | $266,719,600 | 1,795 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9645% | 2,174 |
| Cost of funding earning assets | 1.9088% | 3,835 |
| Net interest margin | 4.0558% | 2,568 |
| Noninterest income to average assets | 0.6573% | 3,309 |
| Noninterest expense to average assets | 1.4683% | 7,899 |
| Loan and lease loss provision to assets | 0.7766% | 2,431 |
| Net operating income to assets | 1.8748% | 380 |
| Return on assets (ROA) | 1.6588% | 644 |
| Pretax return on assets | 1.9935% | 548 |
| Return on Equity (ROE) | 10.7560% | 1,688 |
| Retained earnings to average equity (ytd only) | -0.8370% | 5,450 |
| Net charge-offs to loans | 1.3098% | 1,561 |
| Credit loss provision to net charge-offs | 109.2085% | 4,658 |
| Earnings coverage of net charge-offs (x) | 4.2614% | 3,196 |
| Efficiency ratio | 32.4331% | 7,996 |
| Assets per employee ($millions) | 5.5258% | 1,593 |
| Cash dividends to net income (ytd only)* | 107.7814% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 6,770 |
| Loan loss allowance to noncurrent loans | 67.5121% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.1966% | 4,679 |
| Noncurrent loans to loans | 1.3270% | 4,718 |
| Net loans and leases to total assets | 53.2849% | 6,462 |
| Net loans and leases to deposits | 63.7299% | 6,513 |
| Net loans and leases to core deposits | 97.7354% | 4,638 |
| Total domestic deposits to total assets | 83.6104% | 3,899 |
| Equity capital to assets | 15.8703% | 810 |
| Core capital (leverage) ratio | 15.6958% | 728 |
| Tier 1 risk-based capital ratio | 23.7487% | 1,028 |
| Total risk-based capital ratio | 24.4731% | 1,052 |
| Memoranda: | ||
| Average total assets | $492,723,000 | 1,416 |
| Average earning assets | $466,680,250 | 1,366 |
| Average equity | $75,987,000 | 864 |
| Average total loans | $267,507,250 | 1,809 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0122% | 2,137 |
| Cost of funding earning assets | 1.9768% | 3,884 |
| Net interest margin | 4.0354% | 2,553 |
| Noninterest income to average assets | 0.6945% | 3,024 |
| Noninterest expense to average assets | 1.4737% | 7,982 |
| Loan and lease loss provision to assets | 1.1642% | 1,479 |
| Net operating income to assets | 1.5782% | 714 |
| Return on assets (ROA) | 1.5557% | 807 |
| Pretax return on assets | 1.8547% | 764 |
| Return on Equity (ROE) | 10.1860% | 1,954 |
| Retained earnings to average equity (ytd only) | -7.3626% | 6,602 |
| Net charge-offs to loans | 1.7860% | 1,058 |
| Credit loss provision to net charge-offs | 119.6831% | 3,885 |
| Earnings coverage of net charge-offs (x) | 3.1309% | 3,559 |
| Efficiency ratio | 32.4028% | 8,094 |
| Assets per employee ($millions) | 5.2534% | 1,811 |
| Cash dividends to net income (ytd only)* | 172.2816% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 6,422 |
| Loan loss allowance to noncurrent loans | 38.2994% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 1.7968% | 3,483 |
| Noncurrent loans to loans | 2.5447% | 2,844 |
| Net loans and leases to total assets | 53.4765% | 6,515 |
| Net loans and leases to deposits | 63.4679% | 6,616 |
| Net loans and leases to core deposits | 98.4341% | 4,655 |
| Total domestic deposits to total assets | 84.2575% | 3,623 |
| Equity capital to assets | 15.1751% | 990 |
| Core capital (leverage) ratio | 15.1519% | 885 |
| Tier 1 risk-based capital ratio | 22.9033% | 1,148 |
| Total risk-based capital ratio | 23.6932% | 1,164 |
| Memoranda: | ||
| Average total assets | $493,030,670 | 1,434 |
| Average earning assets | $467,315,670 | 1,383 |
| Average equity | $75,299,330 | 879 |
| Average total loans | $268,535,000 | 1,834 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0404% | 2,196 |
| Cost of funding earning assets | 2.0503% | 3,877 |
| Net interest margin | 3.9901% | 2,686 |
| Noninterest income to average assets | 0.6561% | 3,169 |
| Noninterest expense to average assets | 1.4502% | 8,020 |
| Loan and lease loss provision to assets | 1.4477% | 876 |
| Net operating income to assets | 1.3077% | 1,359 |
| Return on assets (ROA) | 1.3146% | 1,448 |
| Pretax return on assets | 1.5508% | 1,532 |
| Return on Equity (ROE) | 8.5797% | 2,898 |
| Retained earnings to average equity (ytd only) | -26.4333% | 7,805 |
| Net charge-offs to loans | 0.2405% | 3,199 |
| Credit loss provision to net charge-offs | 1,100.6173% | 571 |
| Earnings coverage of net charge-offs (x) | 22.7346% | 1,304 |
| Efficiency ratio | 32.4557% | 8,134 |
| Assets per employee ($millions) | 5.3888% | 1,659 |
| Cash dividends to net income (ytd only)* | 408.0914% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 3,567 |
| Loan loss allowance to noncurrent loans | 40.0556% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 2.1365% | 2,692 |
| Noncurrent loans to loans | 3.4654% | 1,839 |
| Net loans and leases to total assets | 53.7078% | 6,501 |
| Net loans and leases to deposits | 63.4968% | 6,605 |
| Net loans and leases to core deposits | 99.1440% | 4,627 |
| Total domestic deposits to total assets | 84.5835% | 3,423 |
| Equity capital to assets | 14.7372% | 1,174 |
| Core capital (leverage) ratio | 14.7928% | 1,008 |
| Tier 1 risk-based capital ratio | 22.3324% | 1,264 |
| Total risk-based capital ratio | 23.4769% | 1,239 |
| Memoranda: | ||
| Average total assets | $492,637,500 | 1,442 |
| Average earning assets | $467,254,000 | 1,394 |
| Average equity | $75,480,500 | 883 |
| Average total loans | $269,465,000 | 1,842 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6933% | 2,049 |
| Cost of funding earning assets | 2.8205% | 2,627 |
| Net interest margin | 3.8728% | 3,694 |
| Noninterest income to average assets | 0.6202% | 3,713 |
| Noninterest expense to average assets | 1.4104% | 8,073 |
| Loan and lease loss provision to assets | 0.1093% | 5,975 |
| Net operating income to assets | 2.1966% | 243 |
| Return on assets (ROA) | 1.8962% | 422 |
| Pretax return on assets | 2.3976% | 247 |
| Return on Equity (ROE) | 12.4838% | 1,450 |
| Retained earnings to average equity (ytd only) | 3.9215% | 2,684 |
| Net charge-offs to loans | 0.2021% | 4,182 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 26.4238% | 1,288 |
| Efficiency ratio | 32.6072% | 8,217 |
| Assets per employee ($millions) | 5.3208% | 1,623 |
| Cash dividends to net income (ytd only)* | 68.5873% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7910% | 7,141 |
| Loan loss allowance to noncurrent loans | 35.2269% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 1.5085% | 3,203 |
| Noncurrent loans to loans | 2.2453% | 2,452 |
| Net loans and leases to total assets | 54.5016% | 6,598 |
| Net loans and leases to deposits | 65.2980% | 6,691 |
| Net loans and leases to core deposits | 102.2591% | 4,580 |
| Total domestic deposits to total assets | 83.4659% | 3,584 |
| Equity capital to assets | 15.9137% | 955 |
| Core capital (leverage) ratio | 15.8581% | 853 |
| Tier 1 risk-based capital ratio | 23.8844% | 1,100 |
| Total risk-based capital ratio | 24.5348% | 1,137 |
| Memoranda: | ||
| Average total assets | $492,400,400 | 1,381 |
| Average earning assets | $467,543,400 | 1,330 |
| Average equity | $74,793,200 | 889 |
| Average total loans | $266,267,800 | 1,794 |