Home > Citizens Bank and Trust Company > Performance and Condition Ratios
Citizens Bank and Trust Company, 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 | 4.4114% | 3,257 |
| Cost of funding earning assets | 0.5044% | 4,189 |
| Net interest margin | 3.9070% | 1,360 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.2123% | 3,087 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.6112% | 851 |
| Return on assets (ROA) | 1.6111% | 822 |
| Pretax return on assets | 1.9907% | 686 |
| Return on Equity (ROE) | 16.9400% | 960 |
| Retained earnings to average equity (ytd only) | 11.5042% | 699 |
| Net charge-offs to loans | 0.0004% | 2,889 |
| Credit loss provision to net charge-offs | 21,000.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 11,377.0000% | 3 |
| Efficiency ratio | 52.1693% | 3,816 |
| Assets per employee ($millions) | 6.7577% | 2,238 |
| Cash dividends to net income (ytd only)* | 32.0903% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 2,427 |
| Loan loss allowance to noncurrent loans | 3,855.8442% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 2,681 |
| Noncurrent loans to loans | 0.0305% | 3,520 |
| Net loans and leases to total assets | 44.9900% | 3,861 |
| Net loans and leases to deposits | 51.4221% | 3,897 |
| Net loans and leases to core deposits | 57.5172% | 3,857 |
| Total domestic deposits to total assets | 87.4800% | 1,527 |
| Equity capital to assets | 10.6958% | 1,634 |
| Core capital (leverage) ratio | 12.8584% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $560,920,200 | 1,579 |
| Average earning assets | $520,652,600 | 1,576 |
| Average equity | $53,345,600 | 1,523 |
| Average total loans | $239,113,000 | 2,062 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 3,177 |
| Cost of funding earning assets | 0.4404% | 4,212 |
| Net interest margin | 3.9196% | 1,362 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.0966% | 3,363 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.7444% | 738 |
| Return on assets (ROA) | 1.7444% | 724 |
| Pretax return on assets | 2.1535% | 592 |
| Return on Equity (ROE) | 18.9200% | 829 |
| Retained earnings to average equity (ytd only) | 13.5889% | 726 |
| Net charge-offs to loans | -0.0090% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.2074% | 3,971 |
| Assets per employee ($millions) | 6.5987% | 2,249 |
| Cash dividends to net income (ytd only)* | 28.1891% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 2,585 |
| Loan loss allowance to noncurrent loans | 621.3656% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 2,255 |
| Noncurrent loans to loans | 0.1863% | 2,617 |
| Net loans and leases to total assets | 43.9800% | 3,914 |
| Net loans and leases to deposits | 49.2772% | 3,965 |
| Net loans and leases to core deposits | 54.4766% | 3,910 |
| Total domestic deposits to total assets | 89.2600% | 1,172 |
| Equity capital to assets | 9.3761% | 2,182 |
| Core capital (leverage) ratio | 12.6741% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $562,617,000 | 1,571 |
| Average earning assets | $521,946,500 | 1,567 |
| Average equity | $51,864,750 | 1,549 |
| Average total loans | $235,829,250 | 2,076 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 3,143 |
| Cost of funding earning assets | 0.3695% | 4,213 |
| Net interest margin | 3.9054% | 1,418 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.0416% | 3,488 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.6977% | 783 |
| Return on assets (ROA) | 1.6977% | 786 |
| Pretax return on assets | 2.1149% | 609 |
| Return on Equity (ROE) | 18.5200% | 891 |
| Retained earnings to average equity (ytd only) | 13.4254% | 754 |
| Net charge-offs to loans | -0.0129% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.0228% | 3,994 |
| Assets per employee ($millions) | 6.5153% | 2,269 |
| Cash dividends to net income (ytd only)* | 27.5010% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 2,682 |
| Loan loss allowance to noncurrent loans | 794.8864% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 2,259 |
| Noncurrent loans to loans | 0.1454% | 2,739 |
| Net loans and leases to total assets | 43.2000% | 3,918 |
| Net loans and leases to deposits | 48.3079% | 3,979 |
| Net loans and leases to core deposits | 52.6299% | 3,931 |
| Total domestic deposits to total assets | 89.4300% | 1,103 |
| Equity capital to assets | 9.5839% | 2,101 |
| Core capital (leverage) ratio | 12.1662% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $567,593,333 | 1,560 |
| Average earning assets | $526,654,667 | 1,562 |
| Average equity | $52,035,667 | 1,547 |
| Average total loans | $233,203,000 | 2,083 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1631% | 3,112 |
| Cost of funding earning assets | 0.3077% | 4,176 |
| Net interest margin | 3.8554% | 1,566 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 1.9948% | 3,638 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.6857% | 844 |
| Return on assets (ROA) | 1.6857% | 841 |
| Pretax return on assets | 2.1000% | 654 |
| Return on Equity (ROE) | 18.8000% | 914 |
| Retained earnings to average equity (ytd only) | 13.7512% | 972 |
| Net charge-offs to loans | -0.0315% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.5923% | 4,052 |
| Assets per employee ($millions) | 6.7669% | 2,145 |
| Cash dividends to net income (ytd only)* | 26.8484% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 2,569 |
| Loan loss allowance to noncurrent loans | 714.3223% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 2,183 |
| Noncurrent loans to loans | 0.1676% | 2,655 |
| Net loans and leases to total assets | 40.0700% | 4,036 |
| Net loans and leases to deposits | 44.7816% | 4,078 |
| Net loans and leases to core deposits | 48.2654% | 4,040 |
| Total domestic deposits to total assets | 89.4800% | 1,348 |
| Equity capital to assets | 9.3137% | 2,288 |
| Core capital (leverage) ratio | 11.7960% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $574,489,000 | 1,569 |
| Average earning assets | $532,963,500 | 1,563 |
| Average equity | $51,515,500 | 1,576 |
| Average total loans | $228,780,000 | 2,122 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4035% | 3,338 |
| Cost of funding earning assets | 0.1877% | 3,853 |
| Net interest margin | 3.2158% | 2,823 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.0342% | 3,490 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 1.5153% | 850 |
| Return on assets (ROA) | 1.5153% | 822 |
| Pretax return on assets | 1.8888% | 602 |
| Return on Equity (ROE) | 16.6400% | 931 |
| Retained earnings to average equity (ytd only) | 10.9997% | 887 |
| Net charge-offs to loans | 0.0005% | 2,592 |
| Credit loss provision to net charge-offs | -52,000.0000% | 4,720 |
| Earnings coverage of net charge-offs (x) | 10,327.0000% | 9 |
| Efficiency ratio | 53.0783% | 3,875 |
| Assets per employee ($millions) | 6.7505% | 2,154 |
| Cash dividends to net income (ytd only)* | 33.9003% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 3,399 |
| Loan loss allowance to noncurrent loans | 524.5902% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 1,810 |
| Noncurrent loans to loans | 0.1904% | 2,529 |
| Net loans and leases to total assets | 38.7000% | 4,117 |
| Net loans and leases to deposits | 43.2731% | 4,137 |
| Net loans and leases to core deposits | 46.3224% | 4,110 |
| Total domestic deposits to total assets | 89.4300% | 1,588 |
| Equity capital to assets | 8.6198% | 2,617 |
| Core capital (leverage) ratio | 11.2563% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $574,282,200 | 1,554 |
| Average earning assets | $534,447,600 | 1,539 |
| Average equity | $52,292,400 | 1,559 |
| Average total loans | $214,725,600 | 2,137 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1594% | 3,541 |
| Cost of funding earning assets | 0.1866% | 3,435 |
| Net interest margin | 2.9728% | 3,289 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 1.9354% | 3,655 |
| Loan and lease loss provision to assets | -0.1200% | 4,606 |
| Net operating income to assets | 1.3524% | 1,208 |
| Return on assets (ROA) | 1.3526% | 1,184 |
| Pretax return on assets | 1.6845% | 933 |
| Return on Equity (ROE) | 14.6600% | 1,246 |
| Retained earnings to average equity (ytd only) | 8.8727% | 1,690 |
| Net charge-offs to loans | -0.0088% | 3,661 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.3138% | 3,688 |
| Assets per employee ($millions) | 6.6901% | 2,168 |
| Cash dividends to net income (ytd only)* | 39.4714% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 3,326 |
| Loan loss allowance to noncurrent loans | 272.3430% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 1,560 |
| Noncurrent loans to loans | 0.3800% | 1,869 |
| Net loans and leases to total assets | 37.0500% | 4,183 |
| Net loans and leases to deposits | 40.6653% | 4,215 |
| Net loans and leases to core deposits | 43.2521% | 4,194 |
| Total domestic deposits to total assets | 91.1100% | 1,193 |
| Equity capital to assets | 7.8535% | 2,987 |
| Core capital (leverage) ratio | 10.9739% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $574,404,250 | 1,563 |
| Average earning assets | $535,104,750 | 1,554 |
| Average equity | $53,000,500 | 1,564 |
| Average total loans | $212,332,000 | 2,149 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9294% | 3,723 |
| Cost of funding earning assets | 0.1881% | 3,072 |
| Net interest margin | 2.7412% | 3,605 |
| Noninterest income to average assets | 0.7219% | 1,255 |
| Noninterest expense to average assets | 1.8851% | 3,740 |
| Loan and lease loss provision to assets | -0.1259% | 4,626 |
| Net operating income to assets | 1.2224% | 1,359 |
| Return on assets (ROA) | 1.2227% | 1,344 |
| Pretax return on assets | 1.5210% | 1,123 |
| Return on Equity (ROE) | 12.6140% | 1,489 |
| Retained earnings to average equity (ytd only) | 7.5626% | 1,782 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4749% | 3,627 |
| Assets per employee ($millions) | 6.7335% | 2,140 |
| Cash dividends to net income (ytd only)* | 40.0458% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 3,017 |
| Loan loss allowance to noncurrent loans | 902.6316% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 1,840 |
| Noncurrent loans to loans | 0.1256% | 3,092 |
| Net loans and leases to total assets | 36.1611% | 4,241 |
| Net loans and leases to deposits | 40.3913% | 4,257 |
| Net loans and leases to core deposits | 43.1173% | 4,221 |
| Total domestic deposits to total assets | 89.5270% | 1,932 |
| Equity capital to assets | 9.0066% | 2,381 |
| Core capital (leverage) ratio | 10.7502% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $571,860,667 | 1,566 |
| Average earning assets | $533,628,667 | 1,572 |
| Average equity | $55,430,667 | 1,535 |
| Average total loans | $210,476,000 | 2,170 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7666% | 3,810 |
| Cost of funding earning assets | 0.1895% | 2,958 |
| Net interest margin | 2.5771% | 3,712 |
| Noninterest income to average assets | 0.6392% | 1,534 |
| Noninterest expense to average assets | 1.8759% | 3,734 |
| Loan and lease loss provision to assets | -0.1408% | 4,639 |
| Net operating income to assets | 1.0595% | 1,656 |
| Return on assets (ROA) | 1.0601% | 1,648 |
| Pretax return on assets | 1.3170% | 1,455 |
| Return on Equity (ROE) | 10.5557% | 1,781 |
| Retained earnings to average equity (ytd only) | 5.2989% | 2,478 |
| Net charge-offs to loans | 0.0114% | 1,344 |
| Credit loss provision to net charge-offs | -3,333.3333% | 3,466 |
| Earnings coverage of net charge-offs (x) | 278.3333% | 338 |
| Efficiency ratio | 61.4764% | 3,329 |
| Assets per employee ($millions) | 7.1223% | 1,907 |
| Cash dividends to net income (ytd only)* | 49.8008% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,681 |
| Loan loss allowance to noncurrent loans | 2,634.0206% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 1,723 |
| Noncurrent loans to loans | 0.0469% | 3,639 |
| Net loans and leases to total assets | 35.8570% | 4,220 |
| Net loans and leases to deposits | 40.4574% | 4,227 |
| Net loans and leases to core deposits | 43.1949% | 4,191 |
| Total domestic deposits to total assets | 88.6290% | 2,244 |
| Equity capital to assets | 9.5548% | 2,239 |
| Core capital (leverage) ratio | 10.8726% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $568,252,000 | 1,587 |
| Average earning assets | $531,924,000 | 1,581 |
| Average equity | $57,068,500 | 1,544 |
| Average total loans | $209,813,000 | 2,170 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0739% | 3,735 |
| Cost of funding earning assets | 0.2481% | 2,957 |
| Net interest margin | 2.8259% | 3,609 |
| Noninterest income to average assets | 0.7503% | 1,596 |
| Noninterest expense to average assets | 2.0080% | 3,653 |
| Loan and lease loss provision to assets | -0.0498% | 4,354 |
| Net operating income to assets | 1.1526% | 2,094 |
| Return on assets (ROA) | 1.1518% | 2,160 |
| Pretax return on assets | 1.4272% | 1,954 |
| Return on Equity (ROE) | 10.4748% | 2,358 |
| Retained earnings to average equity (ytd only) | 5.6887% | 2,480 |
| Net charge-offs to loans | -0.0132% | 3,828 |
| Credit loss provision to net charge-offs | 883.3333% | 574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2973% | 3,257 |
| Assets per employee ($millions) | 6.9965% | 1,929 |
| Cash dividends to net income (ytd only)* | 45.6919% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 2,367 |
| Loan loss allowance to noncurrent loans | 612.1951% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 1,467 |
| Noncurrent loans to loans | 0.2120% | 2,898 |
| Net loans and leases to total assets | 37.0558% | 4,242 |
| Net loans and leases to deposits | 42.3049% | 4,263 |
| Net loans and leases to core deposits | 45.2190% | 4,222 |
| Total domestic deposits to total assets | 87.5921% | 2,240 |
| Equity capital to assets | 10.5334% | 2,143 |
| Core capital (leverage) ratio | 11.1494% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $532,021,600 | 1,618 |
| Average earning assets | $496,269,400 | 1,618 |
| Average equity | $58,502,400 | 1,542 |
| Average total loans | $227,098,200 | 2,065 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1035% | 3,800 |
| Cost of funding earning assets | 0.2608% | 3,007 |
| Net interest margin | 2.8427% | 3,677 |
| Noninterest income to average assets | 0.7722% | 1,611 |
| Noninterest expense to average assets | 1.9836% | 3,732 |
| Loan and lease loss provision to assets | -0.0254% | 4,369 |
| Net operating income to assets | 1.1815% | 2,227 |
| Return on assets (ROA) | 1.1801% | 2,288 |
| Pretax return on assets | 1.4616% | 2,104 |
| Return on Equity (ROE) | 10.6106% | 2,517 |
| Retained earnings to average equity (ytd only) | 5.5138% | 3,038 |
| Net charge-offs to loans | -0.0173% | 3,912 |
| Credit loss provision to net charge-offs | 333.3333% | 947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9747% | 3,264 |
| Assets per employee ($millions) | 6.5998% | 2,178 |
| Cash dividends to net income (ytd only)* | 48.0354% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 2,506 |
| Loan loss allowance to noncurrent loans | 889.3617% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 1,685 |
| Noncurrent loans to loans | 0.1458% | 3,389 |
| Net loans and leases to total assets | 41.1538% | 4,138 |
| Net loans and leases to deposits | 47.1221% | 4,163 |
| Net loans and leases to core deposits | 50.6663% | 4,099 |
| Total domestic deposits to total assets | 87.3344% | 2,195 |
| Equity capital to assets | 10.8592% | 2,116 |
| Core capital (leverage) ratio | 11.2654% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $523,347,250 | 1,652 |
| Average earning assets | $487,733,500 | 1,661 |
| Average equity | $58,204,250 | 1,576 |
| Average total loans | $230,682,000 | 2,084 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1133% | 3,835 |
| Cost of funding earning assets | 0.2723% | 3,067 |
| Net interest margin | 2.8410% | 3,696 |
| Noninterest income to average assets | 0.8009% | 1,528 |
| Noninterest expense to average assets | 1.8910% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2556% | 2,005 |
| Return on assets (ROA) | 1.2563% | 2,070 |
| Pretax return on assets | 1.5566% | 1,852 |
| Return on Equity (ROE) | 11.2037% | 2,348 |
| Retained earnings to average equity (ytd only) | 5.8604% | 2,859 |
| Net charge-offs to loans | 0.0026% | 2,103 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,341.6667% | 90 |
| Efficiency ratio | 54.8615% | 3,693 |
| Assets per employee ($millions) | 6.1977% | 2,430 |
| Cash dividends to net income (ytd only)* | 47.6923% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,510 |
| Loan loss allowance to noncurrent loans | 7,126.1905% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 1,824 |
| Noncurrent loans to loans | 0.0180% | 4,130 |
| Net loans and leases to total assets | 43.1343% | 4,102 |
| Net loans and leases to deposits | 49.7774% | 4,126 |
| Net loans and leases to core deposits | 53.6358% | 4,041 |
| Total domestic deposits to total assets | 86.6543% | 2,489 |
| Equity capital to assets | 10.9967% | 1,976 |
| Core capital (leverage) ratio | 11.4171% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $517,402,333 | 1,659 |
| Average earning assets | $481,874,667 | 1,659 |
| Average equity | $58,016,333 | 1,571 |
| Average total loans | $232,361,667 | 2,083 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2046% | 3,680 |
| Cost of funding earning assets | 0.2876% | 3,124 |
| Net interest margin | 2.9169% | 3,476 |
| Noninterest income to average assets | 0.7700% | 1,666 |
| Noninterest expense to average assets | 1.8728% | 4,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3009% | 1,824 |
| Return on assets (ROA) | 1.3022% | 1,900 |
| Pretax return on assets | 1.6130% | 1,686 |
| Return on Equity (ROE) | 11.4973% | 2,192 |
| Retained earnings to average equity (ytd only) | 6.4729% | 2,743 |
| Net charge-offs to loans | -0.0017% | 3,106 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7508% | 3,814 |
| Assets per employee ($millions) | 6.0499% | 2,554 |
| Cash dividends to net income (ytd only)* | 43.7010% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 2,409 |
| Loan loss allowance to noncurrent loans | 832.5000% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 1,680 |
| Noncurrent loans to loans | 0.1570% | 3,545 |
| Net loans and leases to total assets | 43.0038% | 4,176 |
| Net loans and leases to deposits | 49.7861% | 4,169 |
| Net loans and leases to core deposits | 53.3224% | 4,128 |
| Total domestic deposits to total assets | 86.3771% | 2,588 |
| Equity capital to assets | 10.9298% | 1,914 |
| Core capital (leverage) ratio | 11.8430% | 1,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $509,602,000 | 1,662 |
| Average earning assets | $474,198,500 | 1,669 |
| Average equity | $57,718,000 | 1,566 |
| Average total loans | $232,092,500 | 2,086 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7361% | 3,479 |
| Cost of funding earning assets | 0.3911% | 3,639 |
| Net interest margin | 3.3449% | 2,943 |
| Noninterest income to average assets | 0.7849% | 1,575 |
| Noninterest expense to average assets | 2.2939% | 3,415 |
| Loan and lease loss provision to assets | 0.0888% | 3,251 |
| Net operating income to assets | 1.2109% | 1,517 |
| Return on assets (ROA) | 1.2165% | 1,613 |
| Pretax return on assets | 1.4937% | 1,352 |
| Return on Equity (ROE) | 9.6230% | 2,151 |
| Retained earnings to average equity (ytd only) | 4.4838% | 2,543 |
| Net charge-offs to loans | -0.0009% | 3,925 |
| Credit loss provision to net charge-offs | -20,000.0000% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2814% | 3,556 |
| Assets per employee ($millions) | 5.6007% | 2,740 |
| Cash dividends to net income (ytd only)* | 53.4051% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 2,539 |
| Loan loss allowance to noncurrent loans | 1,884.2767% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 1,658 |
| Noncurrent loans to loans | 0.0677% | 4,024 |
| Net loans and leases to total assets | 47.0406% | 4,049 |
| Net loans and leases to deposits | 55.2235% | 4,053 |
| Net loans and leases to core deposits | 59.8920% | 3,949 |
| Total domestic deposits to total assets | 85.1821% | 2,690 |
| Equity capital to assets | 11.7493% | 1,703 |
| Core capital (leverage) ratio | 12.2611% | 1,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $450,233,600 | 1,700 |
| Average earning assets | $415,196,800 | 1,717 |
| Average equity | $56,916,000 | 1,502 |
| Average total loans | $235,088,400 | 1,998 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8354% | 3,449 |
| Cost of funding earning assets | 0.4128% | 3,747 |
| Net interest margin | 3.4225% | 2,842 |
| Noninterest income to average assets | 0.7822% | 1,568 |
| Noninterest expense to average assets | 2.2752% | 3,480 |
| Loan and lease loss provision to assets | 0.1213% | 2,816 |
| Net operating income to assets | 1.2524% | 1,474 |
| Return on assets (ROA) | 1.2600% | 1,567 |
| Pretax return on assets | 1.5460% | 1,340 |
| Return on Equity (ROE) | 9.7736% | 2,103 |
| Retained earnings to average equity (ytd only) | 4.5974% | 2,745 |
| Net charge-offs to loans | 0.0006% | 3,227 |
| Credit loss provision to net charge-offs | 40,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 5,466.0000% | 8 |
| Efficiency ratio | 57.8468% | 3,685 |
| Assets per employee ($millions) | 5.3516% | 2,834 |
| Cash dividends to net income (ytd only)* | 52.9610% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 2,471 |
| Loan loss allowance to noncurrent loans | 759.6447% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.7698% | 1,505 |
| Noncurrent loans to loans | 0.1626% | 3,736 |
| Net loans and leases to total assets | 51.3919% | 4,007 |
| Net loans and leases to deposits | 60.4521% | 4,028 |
| Net loans and leases to core deposits | 65.5764% | 3,918 |
| Total domestic deposits to total assets | 85.0126% | 2,430 |
| Equity capital to assets | 12.4064% | 1,467 |
| Core capital (leverage) ratio | 12.5751% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $439,576,500 | 1,711 |
| Average earning assets | $404,678,500 | 1,722 |
| Average equity | $56,668,000 | 1,500 |
| Average total loans | $235,150,250 | 1,999 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9561% | 3,447 |
| Cost of funding earning assets | 0.4352% | 3,867 |
| Net interest margin | 3.5209% | 2,721 |
| Noninterest income to average assets | 0.7941% | 1,452 |
| Noninterest expense to average assets | 2.2418% | 3,678 |
| Loan and lease loss provision to assets | 0.1160% | 2,863 |
| Net operating income to assets | 1.3617% | 1,198 |
| Return on assets (ROA) | 1.3734% | 1,265 |
| Pretax return on assets | 1.6871% | 1,028 |
| Return on Equity (ROE) | 10.5110% | 1,803 |
| Retained earnings to average equity (ytd only) | 5.2715% | 2,357 |
| Net charge-offs to loans | -0.0112% | 4,231 |
| Credit loss provision to net charge-offs | -1,923.0769% | 3,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6195% | 3,990 |
| Assets per employee ($millions) | 5.3261% | 2,805 |
| Cash dividends to net income (ytd only)* | 49.8479% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 2,584 |
| Loan loss allowance to noncurrent loans | 721.4646% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.7986% | 1,554 |
| Noncurrent loans to loans | 0.1644% | 3,793 |
| Net loans and leases to total assets | 51.9563% | 4,031 |
| Net loans and leases to deposits | 61.7266% | 4,019 |
| Net loans and leases to core deposits | 66.9230% | 3,930 |
| Total domestic deposits to total assets | 84.1717% | 2,692 |
| Equity capital to assets | 12.5609% | 1,353 |
| Core capital (leverage) ratio | 12.8613% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $430,905,000 | 1,712 |
| Average earning assets | $396,096,000 | 1,726 |
| Average equity | $56,303,000 | 1,495 |
| Average total loans | $232,777,333 | 1,996 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 3,426 |
| Cost of funding earning assets | 0.4591% | 4,119 |
| Net interest margin | 3.6730% | 2,424 |
| Noninterest income to average assets | 0.8406% | 1,188 |
| Noninterest expense to average assets | 2.4134% | 3,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4595% | 860 |
| Return on assets (ROA) | 1.4827% | 886 |
| Pretax return on assets | 1.8220% | 665 |
| Return on Equity (ROE) | 11.1121% | 1,381 |
| Retained earnings to average equity (ytd only) | 6.9819% | 1,543 |
| Net charge-offs to loans | -0.0262% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3707% | 4,076 |
| Assets per employee ($millions) | 4.9768% | 2,671 |
| Cash dividends to net income (ytd only)* | 37.1687% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 2,968 |
| Loan loss allowance to noncurrent loans | 552.7542% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.8531% | 1,569 |
| Noncurrent loans to loans | 0.2070% | 3,739 |
| Net loans and leases to total assets | 53.2823% | 4,041 |
| Net loans and leases to deposits | 63.8797% | 3,993 |
| Net loans and leases to core deposits | 69.5093% | 3,907 |
| Total domestic deposits to total assets | 83.4104% | 2,975 |
| Equity capital to assets | 13.4624% | 1,234 |
| Core capital (leverage) ratio | 13.6286% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $417,333,500 | 1,717 |
| Average earning assets | $382,467,500 | 1,730 |
| Average equity | $55,687,000 | 1,504 |
| Average total loans | $228,745,000 | 1,994 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3790% | 3,307 |
| Cost of funding earning assets | 0.4457% | 4,284 |
| Net interest margin | 3.9333% | 2,056 |
| Noninterest income to average assets | 0.8738% | 1,237 |
| Noninterest expense to average assets | 2.7612% | 2,717 |
| Loan and lease loss provision to assets | 0.0374% | 3,264 |
| Net operating income to assets | 1.3661% | 1,456 |
| Return on assets (ROA) | 1.3665% | 1,541 |
| Pretax return on assets | 1.6656% | 1,285 |
| Return on Equity (ROE) | 10.3996% | 2,120 |
| Retained earnings to average equity (ytd only) | 6.0846% | 1,821 |
| Net charge-offs to loans | -0.0072% | 4,394 |
| Credit loss provision to net charge-offs | -937.5000% | 4,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8593% | 3,405 |
| Assets per employee ($millions) | 4.6778% | 2,976 |
| Cash dividends to net income (ytd only)* | 41.4919% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 2,789 |
| Loan loss allowance to noncurrent loans | 688.0637% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.9377% | 1,354 |
| Noncurrent loans to loans | 0.1643% | 3,872 |
| Net loans and leases to total assets | 55.1181% | 3,988 |
| Net loans and leases to deposits | 65.8679% | 3,963 |
| Net loans and leases to core deposits | 71.9363% | 3,859 |
| Total domestic deposits to total assets | 83.6798% | 2,960 |
| Equity capital to assets | 13.2214% | 1,406 |
| Core capital (leverage) ratio | 13.6982% | 1,000 |
| Tier 1 risk-based capital ratio | 23.4715% | 869 |
| Total risk-based capital ratio | 24.5633% | 868 |
| Memoranda: | ||
| Average total assets | $401,240,000 | 1,738 |
| Average earning assets | $366,202,000 | 1,757 |
| Average equity | $52,723,400 | 1,523 |
| Average total loans | $223,771,800 | 2,006 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 3,335 |
| Cost of funding earning assets | 0.4389% | 4,369 |
| Net interest margin | 3.9674% | 2,050 |
| Noninterest income to average assets | 0.8883% | 1,165 |
| Noninterest expense to average assets | 2.7108% | 2,836 |
| Loan and lease loss provision to assets | 0.0251% | 3,392 |
| Net operating income to assets | 1.4516% | 1,325 |
| Return on assets (ROA) | 1.4516% | 1,383 |
| Pretax return on assets | 1.7716% | 1,155 |
| Return on Equity (ROE) | 11.0645% | 1,996 |
| Retained earnings to average equity (ytd only) | 6.7305% | 1,993 |
| Net charge-offs to loans | -0.0138% | 4,472 |
| Credit loss provision to net charge-offs | -326.0870% | 4,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1395% | 3,618 |
| Assets per employee ($millions) | 4.5613% | 3,108 |
| Cash dividends to net income (ytd only)* | 39.1705% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 2,908 |
| Loan loss allowance to noncurrent loans | 353.2867% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 1.0506% | 1,262 |
| Noncurrent loans to loans | 0.3183% | 3,385 |
| Net loans and leases to total assets | 55.3401% | 4,088 |
| Net loans and leases to deposits | 66.2254% | 4,048 |
| Net loans and leases to core deposits | 71.9141% | 3,956 |
| Total domestic deposits to total assets | 83.5633% | 2,972 |
| Equity capital to assets | 13.5216% | 1,352 |
| Core capital (leverage) ratio | 13.8378% | 1,028 |
| Tier 1 risk-based capital ratio | 23.3758% | 910 |
| Total risk-based capital ratio | 24.4455% | 908 |
| Memoranda: | ||
| Average total assets | $398,639,250 | 1,758 |
| Average earning assets | $363,651,750 | 1,782 |
| Average equity | $52,298,000 | 1,539 |
| Average total loans | $222,343,750 | 2,023 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4085% | 3,307 |
| Cost of funding earning assets | 0.4271% | 4,405 |
| Net interest margin | 3.9814% | 1,981 |
| Noninterest income to average assets | 0.9067% | 1,062 |
| Noninterest expense to average assets | 2.7029% | 2,894 |
| Loan and lease loss provision to assets | 0.0251% | 3,307 |
| Net operating income to assets | 1.4835% | 1,192 |
| Return on assets (ROA) | 1.4835% | 1,242 |
| Pretax return on assets | 1.8113% | 1,005 |
| Return on Equity (ROE) | 11.4255% | 1,816 |
| Retained earnings to average equity (ytd only) | 7.0683% | 1,774 |
| Net charge-offs to loans | -0.0172% | 4,499 |
| Credit loss provision to net charge-offs | -263.1579% | 4,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5436% | 3,793 |
| Assets per employee ($millions) | 4.6504% | 2,936 |
| Cash dividends to net income (ytd only)* | 38.1356% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 2,899 |
| Loan loss allowance to noncurrent loans | 522.3849% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.9509% | 1,468 |
| Noncurrent loans to loans | 0.2163% | 3,764 |
| Net loans and leases to total assets | 54.6397% | 4,169 |
| Net loans and leases to deposits | 65.0065% | 4,158 |
| Net loans and leases to core deposits | 70.2758% | 4,096 |
| Total domestic deposits to total assets | 84.0526% | 2,837 |
| Equity capital to assets | 13.3275% | 1,422 |
| Core capital (leverage) ratio | 13.6610% | 1,063 |
| Tier 1 risk-based capital ratio | 23.3248% | 911 |
| Total risk-based capital ratio | 24.3958% | 910 |
| Memoranda: | ||
| Average total assets | $397,721,000 | 1,766 |
| Average earning assets | $362,889,670 | 1,788 |
| Average equity | $51,639,000 | 1,546 |
| Average total loans | $221,572,330 | 2,037 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 3,256 |
| Cost of funding earning assets | 0.4079% | 4,453 |
| Net interest margin | 3.9840% | 1,893 |
| Noninterest income to average assets | 0.8320% | 1,208 |
| Noninterest expense to average assets | 2.5829% | 3,265 |
| Loan and lease loss provision to assets | 0.0252% | 3,102 |
| Net operating income to assets | 1.5219% | 1,067 |
| Return on assets (ROA) | 1.5219% | 1,091 |
| Pretax return on assets | 1.8587% | 862 |
| Return on Equity (ROE) | 11.8800% | 1,582 |
| Retained earnings to average equity (ytd only) | 7.5500% | 1,817 |
| Net charge-offs to loans | -0.0469% | 4,811 |
| Credit loss provision to net charge-offs | -96.1538% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8234% | 4,105 |
| Assets per employee ($millions) | 4.6065% | 3,033 |
| Cash dividends to net income (ytd only)* | 36.4480% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 3,105 |
| Loan loss allowance to noncurrent loans | 386.1371% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 1.0328% | 1,351 |
| Noncurrent loans to loans | 0.2860% | 3,535 |
| Net loans and leases to total assets | 55.3969% | 4,105 |
| Net loans and leases to deposits | 65.8184% | 4,068 |
| Net loans and leases to core deposits | 70.7879% | 4,023 |
| Total domestic deposits to total assets | 84.1663% | 2,986 |
| Equity capital to assets | 12.8022% | 1,567 |
| Core capital (leverage) ratio | 13.5783% | 1,065 |
| Tier 1 risk-based capital ratio | 22.8603% | 952 |
| Total risk-based capital ratio | 23.9193% | 948 |
| Memoranda: | ||
| Average total assets | $396,615,000 | 1,780 |
| Average earning assets | $361,851,500 | 1,803 |
| Average equity | $50,808,000 | 1,561 |
| Average total loans | $221,849,000 | 2,055 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 3,795 |
| Cost of funding earning assets | 0.3404% | 4,345 |
| Net interest margin | 3.7416% | 2,896 |
| Noninterest income to average assets | 0.9171% | 1,135 |
| Noninterest expense to average assets | 2.7172% | 2,969 |
| Loan and lease loss provision to assets | 0.0393% | 3,413 |
| Net operating income to assets | 1.3005% | 1,800 |
| Return on assets (ROA) | 1.3005% | 1,785 |
| Pretax return on assets | 1.5722% | 1,546 |
| Return on Equity (ROE) | 10.2942% | 2,395 |
| Retained earnings to average equity (ytd only) | 6.3062% | 2,035 |
| Net charge-offs to loans | -0.0198% | 4,698 |
| Credit loss provision to net charge-offs | -365.8537% | 4,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7728% | 3,393 |
| Assets per employee ($millions) | 4.4097% | 3,297 |
| Cash dividends to net income (ytd only)* | 38.7402% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 3,048 |
| Loan loss allowance to noncurrent loans | 377.0186% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 1.1244% | 1,184 |
| Noncurrent loans to loans | 0.2938% | 3,511 |
| Net loans and leases to total assets | 55.2354% | 4,188 |
| Net loans and leases to deposits | 65.8211% | 4,132 |
| Net loans and leases to core deposits | 70.5787% | 4,093 |
| Total domestic deposits to total assets | 83.9175% | 3,021 |
| Equity capital to assets | 12.8188% | 1,428 |
| Core capital (leverage) ratio | 13.5112% | 1,074 |
| Tier 1 risk-based capital ratio | 22.9190% | 930 |
| Total risk-based capital ratio | 23.9778% | 913 |
| Memoranda: | ||
| Average total assets | $382,081,800 | 1,793 |
| Average earning assets | $348,376,200 | 1,819 |
| Average equity | $48,270,000 | 1,563 |
| Average total loans | $206,615,000 | 2,125 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0147% | 3,879 |
| Cost of funding earning assets | 0.3290% | 4,312 |
| Net interest margin | 3.6857% | 3,070 |
| Noninterest income to average assets | 0.9223% | 1,134 |
| Noninterest expense to average assets | 2.5975% | 3,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3910% | 1,522 |
| Return on assets (ROA) | 1.3910% | 1,520 |
| Pretax return on assets | 1.6861% | 1,312 |
| Return on Equity (ROE) | 11.0521% | 2,157 |
| Retained earnings to average equity (ytd only) | 7.0740% | 2,092 |
| Net charge-offs to loans | -0.0301% | 4,752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6381% | 3,717 |
| Assets per employee ($millions) | 4.2503% | 3,503 |
| Cash dividends to net income (ytd only)* | 35.9939% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 3,401 |
| Loan loss allowance to noncurrent loans | 306.0322% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 1.2360% | 1,125 |
| Noncurrent loans to loans | 0.3471% | 3,406 |
| Net loans and leases to total assets | 55.5935% | 4,246 |
| Net loans and leases to deposits | 65.7263% | 4,218 |
| Net loans and leases to core deposits | 69.7033% | 4,212 |
| Total domestic deposits to total assets | 84.5833% | 2,767 |
| Equity capital to assets | 12.7275% | 1,448 |
| Core capital (leverage) ratio | 13.6063% | 1,058 |
| Tier 1 risk-based capital ratio | 23.1729% | 920 |
| Total risk-based capital ratio | 24.1894% | 917 |
| Memoranda: | ||
| Average total assets | $379,486,250 | 1,810 |
| Average earning assets | $346,085,000 | 1,830 |
| Average equity | $47,760,250 | 1,577 |
| Average total loans | $203,467,000 | 2,156 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 3,981 |
| Cost of funding earning assets | 0.3165% | 4,297 |
| Net interest margin | 3.6194% | 3,238 |
| Noninterest income to average assets | 0.9211% | 1,127 |
| Noninterest expense to average assets | 2.5761% | 3,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3591% | 1,572 |
| Return on assets (ROA) | 1.3591% | 1,575 |
| Pretax return on assets | 1.6445% | 1,360 |
| Return on Equity (ROE) | 10.8405% | 2,182 |
| Retained earnings to average equity (ytd only) | 6.8364% | 2,152 |
| Net charge-offs to loans | -0.0541% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0367% | 3,760 |
| Assets per employee ($millions) | 4.1809% | 3,611 |
| Cash dividends to net income (ytd only)* | 36.9362% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,222 |
| Loan loss allowance to noncurrent loans | 322.6761% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 1.2640% | 1,121 |
| Noncurrent loans to loans | 0.3429% | 3,469 |
| Net loans and leases to total assets | 53.8168% | 4,351 |
| Net loans and leases to deposits | 63.4678% | 4,320 |
| Net loans and leases to core deposits | 67.2013% | 4,300 |
| Total domestic deposits to total assets | 84.7939% | 2,753 |
| Equity capital to assets | 12.6035% | 1,485 |
| Core capital (leverage) ratio | 13.4302% | 1,087 |
| Tier 1 risk-based capital ratio | 23.4161% | 896 |
| Total risk-based capital ratio | 24.4652% | 896 |
| Memoranda: | ||
| Average total assets | $378,472,670 | 1,821 |
| Average earning assets | $345,033,000 | 1,841 |
| Average equity | $47,451,670 | 1,588 |
| Average total loans | $199,641,670 | 2,191 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 4,006 |
| Cost of funding earning assets | 0.3100% | 4,263 |
| Net interest margin | 3.5639% | 3,301 |
| Noninterest income to average assets | 0.8785% | 1,207 |
| Noninterest expense to average assets | 2.5464% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3129% | 1,599 |
| Return on assets (ROA) | 1.3129% | 1,606 |
| Pretax return on assets | 1.5853% | 1,433 |
| Return on Equity (ROE) | 10.4996% | 2,172 |
| Retained earnings to average equity (ytd only) | 6.4743% | 2,517 |
| Net charge-offs to loans | 0.0408% | 1,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 74.8000% | 735 |
| Efficiency ratio | 61.6312% | 3,851 |
| Assets per employee ($millions) | 4.1828% | 3,681 |
| Cash dividends to net income (ytd only)* | 38.3374% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 3,278 |
| Loan loss allowance to noncurrent loans | 227.1516% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 1.3772% | 1,062 |
| Noncurrent loans to loans | 0.4922% | 3,041 |
| Net loans and leases to total assets | 51.5161% | 4,467 |
| Net loans and leases to deposits | 60.9231% | 4,409 |
| Net loans and leases to core deposits | 64.5128% | 4,394 |
| Total domestic deposits to total assets | 84.5593% | 3,094 |
| Equity capital to assets | 12.4102% | 1,542 |
| Core capital (leverage) ratio | 13.3910% | 1,041 |
| Tier 1 risk-based capital ratio | 23.9937% | 842 |
| Total risk-based capital ratio | 25.0517% | 839 |
| Memoranda: | ||
| Average total assets | $377,479,500 | 1,834 |
| Average earning assets | $344,566,500 | 1,854 |
| Average equity | $47,202,000 | 1,605 |
| Average total loans | $195,941,500 | 2,226 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 3,999 |
| Cost of funding earning assets | 0.3143% | 4,008 |
| Net interest margin | 3.5006% | 3,528 |
| Noninterest income to average assets | 0.8765% | 1,338 |
| Noninterest expense to average assets | 2.5338% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0267% | 2,128 |
| Return on assets (ROA) | 1.0267% | 2,162 |
| Pretax return on assets | 1.5304% | 1,522 |
| Return on Equity (ROE) | 8.1163% | 2,745 |
| Retained earnings to average equity (ytd only) | 4.0528% | 2,749 |
| Net charge-offs to loans | 0.0100% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 297.7368% | 293 |
| Efficiency ratio | 62.3444% | 3,889 |
| Assets per employee ($millions) | 4.2536% | 3,573 |
| Cash dividends to net income (ytd only)* | 50.0659% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 3,024 |
| Loan loss allowance to noncurrent loans | 218.4570% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 1.3972% | 1,006 |
| Noncurrent loans to loans | 0.5290% | 2,922 |
| Net loans and leases to total assets | 51.1163% | 4,583 |
| Net loans and leases to deposits | 60.8294% | 4,512 |
| Net loans and leases to core deposits | 64.2284% | 4,518 |
| Total domestic deposits to total assets | 84.0322% | 3,196 |
| Equity capital to assets | 12.6004% | 1,458 |
| Core capital (leverage) ratio | 13.3243% | 1,030 |
| Tier 1 risk-based capital ratio | 24.3956% | 779 |
| Total risk-based capital ratio | 25.4978% | 781 |
| Memoranda: | ||
| Average total assets | $369,639,000 | 1,833 |
| Average earning assets | $336,598,600 | 1,858 |
| Average equity | $46,757,600 | 1,611 |
| Average total loans | $189,224,200 | 2,249 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 3,968 |
| Cost of funding earning assets | 0.3153% | 3,983 |
| Net interest margin | 3.4954% | 3,517 |
| Noninterest income to average assets | 0.8312% | 1,473 |
| Noninterest expense to average assets | 2.4913% | 3,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1069% | 2,056 |
| Return on assets (ROA) | 1.1069% | 2,113 |
| Pretax return on assets | 1.5205% | 1,705 |
| Return on Equity (ROE) | 8.7419% | 2,748 |
| Retained earnings to average equity (ytd only) | 4.6696% | 3,099 |
| Net charge-offs to loans | -0.0043% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0998% | 3,869 |
| Assets per employee ($millions) | 4.1585% | 3,725 |
| Cash dividends to net income (ytd only)* | 46.5838% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 2,987 |
| Loan loss allowance to noncurrent loans | 237.6050% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 1.4455% | 1,061 |
| Noncurrent loans to loans | 0.5009% | 3,196 |
| Net loans and leases to total assets | 50.7430% | 4,657 |
| Net loans and leases to deposits | 60.1047% | 4,635 |
| Net loans and leases to core deposits | 63.4903% | 4,629 |
| Total domestic deposits to total assets | 84.4244% | 2,951 |
| Equity capital to assets | 12.8786% | 1,451 |
| Core capital (leverage) ratio | 13.3354% | 1,087 |
| Tier 1 risk-based capital ratio | 24.4019% | 810 |
| Total risk-based capital ratio | 25.5315% | 797 |
| Memoranda: | ||
| Average total assets | $368,468,500 | 1,850 |
| Average earning assets | $335,288,250 | 1,875 |
| Average equity | $46,655,500 | 1,627 |
| Average total loans | $188,136,250 | 2,267 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 4,069 |
| Cost of funding earning assets | 0.3144% | 3,936 |
| Net interest margin | 3.4373% | 3,637 |
| Noninterest income to average assets | 0.8208% | 1,497 |
| Noninterest expense to average assets | 2.4657% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0818% | 2,076 |
| Return on assets (ROA) | 1.0818% | 2,119 |
| Pretax return on assets | 1.4813% | 1,715 |
| Return on Equity (ROE) | 8.5926% | 2,725 |
| Retained earnings to average equity (ytd only) | 4.4906% | 3,039 |
| Net charge-offs to loans | -0.0053% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4707% | 3,912 |
| Assets per employee ($millions) | 4.3179% | 3,404 |
| Cash dividends to net income (ytd only)* | 47.7387% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 3,081 |
| Loan loss allowance to noncurrent loans | 240.0212% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 1.4615% | 1,059 |
| Noncurrent loans to loans | 0.4958% | 3,266 |
| Net loans and leases to total assets | 50.5543% | 4,671 |
| Net loans and leases to deposits | 59.7746% | 4,649 |
| Net loans and leases to core deposits | 63.1147% | 4,662 |
| Total domestic deposits to total assets | 84.5749% | 2,990 |
| Equity capital to assets | 12.6925% | 1,528 |
| Core capital (leverage) ratio | 13.1934% | 1,106 |
| Tier 1 risk-based capital ratio | 24.2747% | 827 |
| Total risk-based capital ratio | 25.4117% | 810 |
| Memoranda: | ||
| Average total assets | $367,921,330 | 1,856 |
| Average earning assets | $334,624,330 | 1,881 |
| Average equity | $46,319,000 | 1,635 |
| Average total loans | $187,492,670 | 2,277 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7676% | 3,877 |
| Cost of funding earning assets | 0.3186% | 3,867 |
| Net interest margin | 3.4490% | 3,447 |
| Noninterest income to average assets | 0.8050% | 1,535 |
| Noninterest expense to average assets | 2.5111% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0475% | 2,078 |
| Return on assets (ROA) | 1.0475% | 2,130 |
| Pretax return on assets | 1.4276% | 1,778 |
| Return on Equity (ROE) | 8.3550% | 2,744 |
| Retained earnings to average equity (ytd only) | 4.2167% | 3,344 |
| Net charge-offs to loans | -0.0021% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7549% | 3,876 |
| Assets per employee ($millions) | 4.2805% | 3,530 |
| Cash dividends to net income (ytd only)* | 49.5308% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 3,108 |
| Loan loss allowance to noncurrent loans | 225.9259% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 1.4688% | 1,114 |
| Noncurrent loans to loans | 0.5332% | 3,212 |
| Net loans and leases to total assets | 50.2805% | 4,654 |
| Net loans and leases to deposits | 59.6630% | 4,587 |
| Net loans and leases to core deposits | 62.0695% | 4,656 |
| Total domestic deposits to total assets | 84.2742% | 3,370 |
| Equity capital to assets | 12.5747% | 1,482 |
| Core capital (leverage) ratio | 13.2136% | 1,066 |
| Tier 1 risk-based capital ratio | 23.9967% | 871 |
| Total risk-based capital ratio | 25.1318% | 864 |
| Memoranda: | ||
| Average total assets | $366,213,500 | 1,874 |
| Average earning assets | $332,732,000 | 1,896 |
| Average equity | $45,912,500 | 1,648 |
| Average total loans | $186,245,000 | 2,304 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 3,838 |
| Cost of funding earning assets | 0.3521% | 3,496 |
| Net interest margin | 3.4673% | 3,558 |
| Noninterest income to average assets | 0.8654% | 1,520 |
| Noninterest expense to average assets | 2.5624% | 3,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0626% | 2,077 |
| Return on assets (ROA) | 1.0628% | 2,177 |
| Pretax return on assets | 1.4455% | 1,764 |
| Return on Equity (ROE) | 8.2898% | 2,792 |
| Retained earnings to average equity (ytd only) | 6.0263% | 1,689 |
| Net charge-offs to loans | -0.0205% | 5,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9376% | 3,949 |
| Assets per employee ($millions) | 4.0933% | 3,800 |
| Cash dividends to net income (ytd only)* | 27.3042% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 3,007 |
| Loan loss allowance to noncurrent loans | 105.1748% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.8339% | 792 |
| Noncurrent loans to loans | 1.1586% | 1,771 |
| Net loans and leases to total assets | 50.2007% | 4,754 |
| Net loans and leases to deposits | 59.8611% | 4,677 |
| Net loans and leases to core deposits | 62.0453% | 4,752 |
| Total domestic deposits to total assets | 83.8619% | 3,475 |
| Equity capital to assets | 12.4991% | 1,526 |
| Core capital (leverage) ratio | 13.2072% | 1,056 |
| Tier 1 risk-based capital ratio | 23.8490% | 880 |
| Total risk-based capital ratio | 24.9881% | 881 |
| Memoranda: | ||
| Average total assets | $353,227,600 | 1,890 |
| Average earning assets | $320,104,200 | 1,918 |
| Average equity | $45,284,600 | 1,659 |
| Average total loans | $184,973,800 | 2,261 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8460% | 3,779 |
| Cost of funding earning assets | 0.3591% | 3,444 |
| Net interest margin | 3.4870% | 3,520 |
| Noninterest income to average assets | 0.8537% | 1,567 |
| Noninterest expense to average assets | 2.5444% | 3,848 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0828% | 2,074 |
| Return on assets (ROA) | 1.0831% | 2,171 |
| Pretax return on assets | 1.4685% | 1,814 |
| Return on Equity (ROE) | 8.3939% | 2,811 |
| Retained earnings to average equity (ytd only) | 5.3719% | 2,572 |
| Net charge-offs to loans | -0.0101% | 4,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4114% | 4,017 |
| Assets per employee ($millions) | 4.2205% | 3,558 |
| Cash dividends to net income (ytd only)* | 36.0027% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 3,245 |
| Loan loss allowance to noncurrent loans | 97.4672% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.9610% | 798 |
| Noncurrent loans to loans | 1.2299% | 1,825 |
| Net loans and leases to total assets | 51.8900% | 4,666 |
| Net loans and leases to deposits | 61.6920% | 4,649 |
| Net loans and leases to core deposits | 64.0070% | 4,725 |
| Total domestic deposits to total assets | 84.1114% | 3,181 |
| Equity capital to assets | 13.0422% | 1,470 |
| Core capital (leverage) ratio | 13.1933% | 1,115 |
| Tier 1 risk-based capital ratio | 23.5000% | 945 |
| Total risk-based capital ratio | 24.6322% | 943 |
| Memoranda: | ||
| Average total assets | $350,458,000 | 1,905 |
| Average earning assets | $317,478,250 | 1,936 |
| Average equity | $45,222,000 | 1,667 |
| Average total loans | $184,932,250 | 2,265 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 3,743 |
| Cost of funding earning assets | 0.3675% | 3,380 |
| Net interest margin | 3.4912% | 3,515 |
| Noninterest income to average assets | 0.8490% | 1,551 |
| Noninterest expense to average assets | 2.5236% | 3,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0971% | 1,967 |
| Return on assets (ROA) | 1.0971% | 2,090 |
| Pretax return on assets | 1.4878% | 1,712 |
| Return on Equity (ROE) | 8.5332% | 2,731 |
| Retained earnings to average equity (ytd only) | 3.9658% | 3,376 |
| Net charge-offs to loans | -0.0054% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9106% | 4,190 |
| Assets per employee ($millions) | 4.2407% | 3,481 |
| Cash dividends to net income (ytd only)* | 53.5248% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 3,398 |
| Loan loss allowance to noncurrent loans | 118.5600% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.9413% | 850 |
| Noncurrent loans to loans | 1.0073% | 2,273 |
| Net loans and leases to total assets | 52.2526% | 4,649 |
| Net loans and leases to deposits | 62.0840% | 4,645 |
| Net loans and leases to core deposits | 64.5355% | 4,705 |
| Total domestic deposits to total assets | 84.1643% | 3,209 |
| Equity capital to assets | 12.9216% | 1,551 |
| Core capital (leverage) ratio | 12.9454% | 1,172 |
| Tier 1 risk-based capital ratio | 23.1166% | 1,001 |
| Total risk-based capital ratio | 24.2487% | 997 |
| Memoranda: | ||
| Average total assets | $349,104,330 | 1,919 |
| Average earning assets | $316,225,670 | 1,956 |
| Average equity | $44,883,670 | 1,681 |
| Average total loans | $184,512,330 | 2,270 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8651% | 3,712 |
| Cost of funding earning assets | 0.3737% | 3,357 |
| Net interest margin | 3.4915% | 3,504 |
| Noninterest income to average assets | 0.8238% | 1,545 |
| Noninterest expense to average assets | 2.5208% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0838% | 1,972 |
| Return on assets (ROA) | 1.0838% | 2,071 |
| Pretax return on assets | 1.4635% | 1,707 |
| Return on Equity (ROE) | 8.4513% | 2,681 |
| Retained earnings to average equity (ytd only) | 8.4513% | 1,281 |
| Net charge-offs to loans | -0.0131% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2688% | 4,266 |
| Assets per employee ($millions) | 4.0993% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 3,453 |
| Loan loss allowance to noncurrent loans | 121.6630% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.9587% | 905 |
| Noncurrent loans to loans | 0.9894% | 2,405 |
| Net loans and leases to total assets | 52.3875% | 4,596 |
| Net loans and leases to deposits | 62.2846% | 4,564 |
| Net loans and leases to core deposits | 64.9911% | 4,623 |
| Total domestic deposits to total assets | 84.1099% | 3,476 |
| Equity capital to assets | 13.0017% | 1,408 |
| Core capital (leverage) ratio | 13.1916% | 1,088 |
| Tier 1 risk-based capital ratio | 23.3068% | 986 |
| Total risk-based capital ratio | 24.4474% | 982 |
| Memoranda: | ||
| Average total assets | $347,668,000 | 1,925 |
| Average earning assets | $314,711,000 | 1,973 |
| Average equity | $44,585,000 | 1,689 |
| Average total loans | $183,698,500 | 2,276 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0043% | 3,293 |
| Cost of funding earning assets | 0.4292% | 2,856 |
| Net interest margin | 3.5751% | 3,226 |
| Noninterest income to average assets | 0.9824% | 1,222 |
| Noninterest expense to average assets | 2.6646% | 3,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1519% | 1,726 |
| Return on assets (ROA) | 1.1532% | 1,791 |
| Pretax return on assets | 1.5530% | 1,392 |
| Return on Equity (ROE) | 9.2213% | 2,360 |
| Retained earnings to average equity (ytd only) | 5.1431% | 2,321 |
| Net charge-offs to loans | 0.0617% | 2,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 47.1062% | 1,042 |
| Efficiency ratio | 63.2034% | 4,407 |
| Assets per employee ($millions) | 4.0812% | 3,794 |
| Cash dividends to net income (ytd only)* | 44.2254% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 3,390 |
| Loan loss allowance to noncurrent loans | 87.2198% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 2.1364% | 806 |
| Noncurrent loans to loans | 1.3924% | 1,682 |
| Net loans and leases to total assets | 52.0087% | 4,692 |
| Net loans and leases to deposits | 61.3096% | 4,682 |
| Net loans and leases to core deposits | 64.4289% | 4,714 |
| Total domestic deposits to total assets | 84.8295% | 3,159 |
| Equity capital to assets | 12.6455% | 1,536 |
| Core capital (leverage) ratio | 12.8516% | 1,207 |
| Tier 1 risk-based capital ratio | 23.2567% | 985 |
| Total risk-based capital ratio | 24.4159% | 983 |
| Memoranda: | ||
| Average total assets | $343,133,800 | 1,902 |
| Average earning assets | $310,345,200 | 1,954 |
| Average equity | $42,911,600 | 1,706 |
| Average total loans | $183,236,000 | 2,207 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0253% | 3,236 |
| Cost of funding earning assets | 0.4404% | 2,792 |
| Net interest margin | 3.5850% | 3,218 |
| Noninterest income to average assets | 1.0162% | 1,153 |
| Noninterest expense to average assets | 2.6067% | 3,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2166% | 1,594 |
| Return on assets (ROA) | 1.2180% | 1,655 |
| Pretax return on assets | 1.6532% | 1,228 |
| Return on Equity (ROE) | 9.7671% | 2,192 |
| Retained earnings to average equity (ytd only) | 4.2993% | 3,406 |
| Net charge-offs to loans | 0.0683% | 2,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 45.0852% | 1,128 |
| Efficiency ratio | 61.2189% | 4,687 |
| Assets per employee ($millions) | 4.1830% | 3,555 |
| Cash dividends to net income (ytd only)* | 55.9821% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 3,590 |
| Loan loss allowance to noncurrent loans | 79.5519% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 2.2008% | 869 |
| Noncurrent loans to loans | 1.5210% | 1,651 |
| Net loans and leases to total assets | 52.6069% | 4,700 |
| Net loans and leases to deposits | 62.0081% | 4,720 |
| Net loans and leases to core deposits | 65.0961% | 4,755 |
| Total domestic deposits to total assets | 84.8388% | 3,082 |
| Equity capital to assets | 12.4744% | 1,758 |
| Core capital (leverage) ratio | 12.5483% | 1,381 |
| Tier 1 risk-based capital ratio | 22.5014% | 1,126 |
| Total risk-based capital ratio | 23.6540% | 1,116 |
| Memoranda: | ||
| Average total assets | $342,192,750 | 1,921 |
| Average earning assets | $309,434,000 | 1,975 |
| Average equity | $42,672,750 | 1,727 |
| Average total loans | $183,386,250 | 2,221 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,095 |
| Cost of funding earning assets | 0.4475% | 2,759 |
| Net interest margin | 3.5984% | 3,100 |
| Noninterest income to average assets | 1.1012% | 998 |
| Noninterest expense to average assets | 2.5883% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2947% | 1,338 |
| Return on assets (ROA) | 1.2968% | 1,392 |
| Pretax return on assets | 1.7702% | 939 |
| Return on Equity (ROE) | 10.4003% | 1,893 |
| Retained earnings to average equity (ytd only) | 5.2190% | 2,722 |
| Net charge-offs to loans | 0.0591% | 2,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 55.7222% | 885 |
| Efficiency ratio | 59.4256% | 5,056 |
| Assets per employee ($millions) | 4.0455% | 3,784 |
| Cash dividends to net income (ytd only)* | 49.8188% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 3,536 |
| Loan loss allowance to noncurrent loans | 93.3962% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 2.1305% | 1,002 |
| Noncurrent loans to loans | 1.3320% | 2,018 |
| Net loans and leases to total assets | 52.5645% | 4,702 |
| Net loans and leases to deposits | 61.9664% | 4,704 |
| Net loans and leases to core deposits | 65.1587% | 4,717 |
| Total domestic deposits to total assets | 84.8275% | 3,200 |
| Equity capital to assets | 12.4177% | 1,706 |
| Core capital (leverage) ratio | 12.6479% | 1,315 |
| Tier 1 risk-based capital ratio | 22.5854% | 1,127 |
| Total risk-based capital ratio | 23.7702% | 1,114 |
| Memoranda: | ||
| Average total assets | $340,527,000 | 1,948 |
| Average earning assets | $307,966,670 | 1,995 |
| Average equity | $42,460,330 | 1,743 |
| Average total loans | $182,887,330 | 2,241 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 2,944 |
| Cost of funding earning assets | 0.4635% | 2,642 |
| Net interest margin | 3.6089% | 2,970 |
| Noninterest income to average assets | 1.2949% | 686 |
| Noninterest expense to average assets | 2.6064% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4165% | 1,003 |
| Return on assets (ROA) | 1.4165% | 1,059 |
| Pretax return on assets | 1.9513% | 647 |
| Return on Equity (ROE) | 11.3367% | 1,540 |
| Retained earnings to average equity (ytd only) | 7.3216% | 1,847 |
| Net charge-offs to loans | 0.0810% | 1,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 44.6757% | 905 |
| Efficiency ratio | 57.1873% | 5,422 |
| Assets per employee ($millions) | 3.9673% | 4,029 |
| Cash dividends to net income (ytd only)* | 35.4167% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 3,652 |
| Loan loss allowance to noncurrent loans | 141.5176% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.9280% | 1,253 |
| Noncurrent loans to loans | 0.8877% | 3,024 |
| Net loans and leases to total assets | 52.8478% | 4,574 |
| Net loans and leases to deposits | 62.4646% | 4,529 |
| Net loans and leases to core deposits | 66.1893% | 4,500 |
| Total domestic deposits to total assets | 84.6044% | 3,579 |
| Equity capital to assets | 12.5658% | 1,652 |
| Core capital (leverage) ratio | 12.7285% | 1,263 |
| Tier 1 risk-based capital ratio | 22.3789% | 1,185 |
| Total risk-based capital ratio | 23.5709% | 1,181 |
| Memoranda: | ||
| Average total assets | $338,858,000 | 1,964 |
| Average earning assets | $306,351,500 | 2,012 |
| Average equity | $42,340,500 | 1,754 |
| Average total loans | $182,817,000 | 2,254 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3287% | 2,500 |
| Cost of funding earning assets | 0.5334% | 2,345 |
| Net interest margin | 3.7953% | 2,636 |
| Noninterest income to average assets | 0.8453% | 1,698 |
| Noninterest expense to average assets | 2.6952% | 3,875 |
| Loan and lease loss provision to assets | 0.0446% | 3,680 |
| Net operating income to assets | 1.1355% | 1,835 |
| Return on assets (ROA) | 1.1355% | 1,902 |
| Pretax return on assets | 1.5236% | 1,458 |
| Return on Equity (ROE) | 9.2941% | 2,441 |
| Retained earnings to average equity (ytd only) | 5.1526% | 2,498 |
| Net charge-offs to loans | 0.0849% | 3,282 |
| Credit loss provision to net charge-offs | 94.9367% | 2,535 |
| Earnings coverage of net charge-offs (x) | 33.3481% | 1,240 |
| Efficiency ratio | 63.2156% | 4,718 |
| Assets per employee ($millions) | 3.5801% | 4,759 |
| Cash dividends to net income (ytd only)* | 44.5609% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 3,576 |
| Loan loss allowance to noncurrent loans | 138.2562% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 2.0824% | 1,195 |
| Noncurrent loans to loans | 0.9212% | 3,013 |
| Net loans and leases to total assets | 53.6949% | 4,612 |
| Net loans and leases to deposits | 63.2037% | 4,611 |
| Net loans and leases to core deposits | 67.0160% | 4,594 |
| Total domestic deposits to total assets | 84.9554% | 3,299 |
| Equity capital to assets | 12.4234% | 1,690 |
| Core capital (leverage) ratio | 12.6152% | 1,301 |
| Tier 1 risk-based capital ratio | 21.8334% | 1,248 |
| Total risk-based capital ratio | 23.0367% | 1,233 |
| Memoranda: | ||
| Average total assets | $335,973,800 | 1,931 |
| Average earning assets | $302,586,000 | 1,983 |
| Average equity | $41,047,400 | 1,745 |
| Average total loans | $186,112,400 | 2,156 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3686% | 2,353 |
| Cost of funding earning assets | 0.5467% | 2,324 |
| Net interest margin | 3.8219% | 2,535 |
| Noninterest income to average assets | 0.8373% | 1,753 |
| Noninterest expense to average assets | 2.6532% | 4,005 |
| Loan and lease loss provision to assets | 0.0449% | 3,496 |
| Net operating income to assets | 1.1732% | 1,781 |
| Return on assets (ROA) | 1.1732% | 1,857 |
| Pretax return on assets | 1.5809% | 1,386 |
| Return on Equity (ROE) | 9.6431% | 2,385 |
| Retained earnings to average equity (ytd only) | 5.4008% | 2,826 |
| Net charge-offs to loans | 0.0442% | 3,614 |
| Credit loss provision to net charge-offs | 182.2581% | 1,373 |
| Earnings coverage of net charge-offs (x) | 66.0520% | 808 |
| Efficiency ratio | 62.0059% | 4,882 |
| Assets per employee ($millions) | 3.5809% | 4,718 |
| Cash dividends to net income (ytd only)* | 43.9932% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 3,720 |
| Loan loss allowance to noncurrent loans | 89.8496% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 2.1821% | 1,268 |
| Noncurrent loans to loans | 1.4308% | 2,273 |
| Net loans and leases to total assets | 54.5211% | 4,517 |
| Net loans and leases to deposits | 64.3421% | 4,499 |
| Net loans and leases to core deposits | 68.3477% | 4,475 |
| Total domestic deposits to total assets | 84.7363% | 3,444 |
| Equity capital to assets | 12.5142% | 1,687 |
| Core capital (leverage) ratio | 12.4282% | 1,442 |
| Tier 1 risk-based capital ratio | 21.4112% | 1,371 |
| Total risk-based capital ratio | 22.6345% | 1,348 |
| Memoranda: | ||
| Average total assets | $335,835,500 | 1,949 |
| Average earning assets | $302,423,000 | 2,000 |
| Average equity | $40,857,250 | 1,755 |
| Average total loans | $186,883,250 | 2,158 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4099% | 2,146 |
| Cost of funding earning assets | 0.5541% | 2,314 |
| Net interest margin | 3.8559% | 2,357 |
| Noninterest income to average assets | 0.8183% | 1,771 |
| Noninterest expense to average assets | 2.6408% | 4,093 |
| Loan and lease loss provision to assets | 0.0447% | 3,427 |
| Net operating income to assets | 1.1854% | 1,636 |
| Return on assets (ROA) | 1.1854% | 1,710 |
| Pretax return on assets | 1.6002% | 1,250 |
| Return on Equity (ROE) | 9.8379% | 2,228 |
| Retained earnings to average equity (ytd only) | 5.3864% | 2,710 |
| Net charge-offs to loans | 0.0502% | 3,259 |
| Credit loss provision to net charge-offs | 159.5745% | 1,401 |
| Earnings coverage of net charge-offs (x) | 58.7234% | 817 |
| Efficiency ratio | 61.6187% | 5,061 |
| Assets per employee ($millions) | 3.5097% | 4,825 |
| Cash dividends to net income (ytd only)* | 45.2489% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 4,063 |
| Loan loss allowance to noncurrent loans | 79.1904% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.3545% | 1,244 |
| Noncurrent loans to loans | 1.5947% | 2,185 |
| Net loans and leases to total assets | 54.9285% | 4,419 |
| Net loans and leases to deposits | 64.7237% | 4,415 |
| Net loans and leases to core deposits | 68.8849% | 4,378 |
| Total domestic deposits to total assets | 84.8660% | 3,577 |
| Equity capital to assets | 12.3634% | 1,729 |
| Core capital (leverage) ratio | 12.2494% | 1,526 |
| Tier 1 risk-based capital ratio | 21.1877% | 1,412 |
| Total risk-based capital ratio | 22.4029% | 1,393 |
| Memoranda: | ||
| Average total assets | $335,580,000 | 1,945 |
| Average earning assets | $301,773,000 | 1,998 |
| Average equity | $40,435,330 | 1,762 |
| Average total loans | $187,208,000 | 2,156 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 2,148 |
| Cost of funding earning assets | 0.5591% | 2,353 |
| Net interest margin | 3.8379% | 2,309 |
| Noninterest income to average assets | 0.8122% | 1,709 |
| Noninterest expense to average assets | 2.6384% | 4,154 |
| Loan and lease loss provision to assets | 0.0454% | 3,193 |
| Net operating income to assets | 1.1645% | 1,581 |
| Return on assets (ROA) | 1.1645% | 1,652 |
| Pretax return on assets | 1.5718% | 1,232 |
| Return on Equity (ROE) | 9.7928% | 2,115 |
| Retained earnings to average equity (ytd only) | 4.7709% | 3,254 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9983% | 5,118 |
| Assets per employee ($millions) | 3.4903% | 4,936 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 4,255 |
| Loan loss allowance to noncurrent loans | 70.9552% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 2.6288% | 1,176 |
| Noncurrent loans to loans | 1.7954% | 2,148 |
| Net loans and leases to total assets | 54.4090% | 4,367 |
| Net loans and leases to deposits | 64.0111% | 4,313 |
| Net loans and leases to core deposits | 68.0903% | 4,296 |
| Total domestic deposits to total assets | 84.9993% | 3,867 |
| Equity capital to assets | 11.9344% | 1,913 |
| Core capital (leverage) ratio | 12.2103% | 1,528 |
| Tier 1 risk-based capital ratio | 20.7691% | 1,520 |
| Total risk-based capital ratio | 21.9834% | 1,501 |
| Memoranda: | ||
| Average total assets | $334,904,500 | 1,957 |
| Average earning assets | $300,475,500 | 2,008 |
| Average equity | $39,825,000 | 1,776 |
| Average total loans | $187,093,000 | 2,163 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 2,264 |
| Cost of funding earning assets | 0.6757% | 1,995 |
| Net interest margin | 3.8109% | 2,615 |
| Noninterest income to average assets | 0.8216% | 1,979 |
| Noninterest expense to average assets | 2.7253% | 4,010 |
| Loan and lease loss provision to assets | 0.0565% | 4,018 |
| Net operating income to assets | 1.0969% | 1,946 |
| Return on assets (ROA) | 1.0976% | 2,011 |
| Pretax return on assets | 1.4744% | 1,536 |
| Return on Equity (ROE) | 9.6050% | 2,281 |
| Retained earnings to average equity (ytd only) | 4.9247% | 2,648 |
| Net charge-offs to loans | 0.1681% | 3,138 |
| Credit loss provision to net charge-offs | 59.1900% | 3,591 |
| Earnings coverage of net charge-offs (x) | 16.0405% | 1,829 |
| Efficiency ratio | 64.0458% | 4,886 |
| Assets per employee ($millions) | 3.2476% | 5,397 |
| Cash dividends to net income (ytd only)* | 48.7277% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 4,403 |
| Loan loss allowance to noncurrent loans | 60.0668% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 3.0986% | 1,007 |
| Noncurrent loans to loans | 2.0757% | 1,910 |
| Net loans and leases to total assets | 55.9286% | 4,328 |
| Net loans and leases to deposits | 65.3828% | 4,370 |
| Net loans and leases to core deposits | 69.6034% | 4,325 |
| Total domestic deposits to total assets | 85.5403% | 3,490 |
| Equity capital to assets | 11.8475% | 1,913 |
| Core capital (leverage) ratio | 12.0861% | 1,542 |
| Tier 1 risk-based capital ratio | 20.5273% | 1,535 |
| Total risk-based capital ratio | 21.7223% | 1,516 |
| Memoranda: | ||
| Average total assets | $336,554,800 | 1,908 |
| Average earning assets | $303,238,800 | 1,954 |
| Average equity | $38,459,000 | 1,810 |
| Average total loans | $190,952,800 | 2,090 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 2,283 |
| Cost of funding earning assets | 0.6984% | 1,963 |
| Net interest margin | 3.7877% | 2,687 |
| Noninterest income to average assets | 0.8149% | 2,072 |
| Noninterest expense to average assets | 2.7350% | 3,883 |
| Loan and lease loss provision to assets | 0.0474% | 4,071 |
| Net operating income to assets | 1.0796% | 2,087 |
| Return on assets (ROA) | 1.0804% | 2,165 |
| Pretax return on assets | 1.4514% | 1,761 |
| Return on Equity (ROE) | 9.5409% | 2,376 |
| Retained earnings to average equity (ytd only) | 4.6624% | 3,351 |
| Net charge-offs to loans | 0.2301% | 2,426 |
| Credit loss provision to net charge-offs | 36.2538% | 3,785 |
| Earnings coverage of net charge-offs (x) | 11.4653% | 2,244 |
| Efficiency ratio | 64.6187% | 4,707 |
| Assets per employee ($millions) | 3.3659% | 5,141 |
| Cash dividends to net income (ytd only)* | 51.1321% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 4,989 |
| Loan loss allowance to noncurrent loans | 52.8421% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 2.8946% | 1,286 |
| Noncurrent loans to loans | 2.2233% | 1,987 |
| Net loans and leases to total assets | 56.4569% | 4,257 |
| Net loans and leases to deposits | 67.1160% | 4,163 |
| Net loans and leases to core deposits | 71.4637% | 4,152 |
| Total domestic deposits to total assets | 84.1183% | 4,139 |
| Equity capital to assets | 11.2930% | 2,476 |
| Core capital (leverage) ratio | 11.7694% | 1,840 |
| Tier 1 risk-based capital ratio | 19.8606% | 1,765 |
| Total risk-based capital ratio | 20.9928% | 1,767 |
| Memoranda: | ||
| Average total assets | $337,880,750 | 1,912 |
| Average earning assets | $304,873,750 | 1,953 |
| Average equity | $38,262,500 | 1,830 |
| Average total loans | $191,790,250 | 2,080 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4873% | 2,244 |
| Cost of funding earning assets | 0.7207% | 1,917 |
| Net interest margin | 3.7666% | 2,688 |
| Noninterest income to average assets | 0.8028% | 2,175 |
| Noninterest expense to average assets | 2.7401% | 3,891 |
| Loan and lease loss provision to assets | 0.0225% | 4,457 |
| Net operating income to assets | 1.0705% | 2,034 |
| Return on assets (ROA) | 1.0718% | 2,145 |
| Pretax return on assets | 1.4407% | 1,796 |
| Return on Equity (ROE) | 9.4559% | 2,435 |
| Retained earnings to average equity (ytd only) | 4.2403% | 3,596 |
| Net charge-offs to loans | 0.2578% | 2,178 |
| Credit loss provision to net charge-offs | 15.3846% | 3,824 |
| Earnings coverage of net charge-offs (x) | 10.0081% | 2,206 |
| Efficiency ratio | 65.2174% | 4,674 |
| Assets per employee ($millions) | 3.3572% | 5,154 |
| Cash dividends to net income (ytd only)* | 55.1572% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 5,078 |
| Loan loss allowance to noncurrent loans | 73.2426% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 2.5434% | 1,657 |
| Noncurrent loans to loans | 1.6154% | 2,889 |
| Net loans and leases to total assets | 55.6907% | 4,342 |
| Net loans and leases to deposits | 65.7427% | 4,293 |
| Net loans and leases to core deposits | 69.9020% | 4,289 |
| Total domestic deposits to total assets | 84.7101% | 4,032 |
| Equity capital to assets | 11.0328% | 2,719 |
| Core capital (leverage) ratio | 11.5088% | 1,930 |
| Tier 1 risk-based capital ratio | 19.6994% | 1,798 |
| Total risk-based capital ratio | 20.8386% | 1,806 |
| Memoranda: | ||
| Average total assets | $338,311,670 | 1,917 |
| Average earning assets | $305,264,000 | 1,957 |
| Average equity | $38,346,330 | 1,828 |
| Average total loans | $191,625,000 | 2,086 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 2,343 |
| Cost of funding earning assets | 0.7506% | 1,846 |
| Net interest margin | 3.7003% | 2,850 |
| Noninterest income to average assets | 0.7907% | 2,159 |
| Noninterest expense to average assets | 2.8988% | 3,349 |
| Loan and lease loss provision to assets | 0.0296% | 4,085 |
| Net operating income to assets | 0.9064% | 2,617 |
| Return on assets (ROA) | 0.9091% | 2,757 |
| Pretax return on assets | 1.1979% | 2,581 |
| Return on Equity (ROE) | 7.9146% | 3,024 |
| Retained earnings to average equity (ytd only) | 2.7619% | 4,629 |
| Net charge-offs to loans | 0.0563% | 3,263 |
| Credit loss provision to net charge-offs | 92.5926% | 1,975 |
| Earnings coverage of net charge-offs (x) | 38.2963% | 823 |
| Efficiency ratio | 70.3129% | 3,919 |
| Assets per employee ($millions) | 3.3438% | 5,346 |
| Cash dividends to net income (ytd only)* | 65.1042% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 4,773 |
| Loan loss allowance to noncurrent loans | 71.2471% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 2.9249% | 1,541 |
| Noncurrent loans to loans | 1.8043% | 2,855 |
| Net loans and leases to total assets | 55.5668% | 4,160 |
| Net loans and leases to deposits | 65.9172% | 4,064 |
| Net loans and leases to core deposits | 70.2793% | 4,046 |
| Total domestic deposits to total assets | 84.2978% | 4,359 |
| Equity capital to assets | 11.3761% | 2,555 |
| Core capital (leverage) ratio | 11.5318% | 1,859 |
| Tier 1 risk-based capital ratio | 19.5910% | 1,884 |
| Total risk-based capital ratio | 20.8411% | 1,861 |
| Memoranda: | ||
| Average total assets | $337,927,500 | 1,944 |
| Average earning assets | $304,301,000 | 1,979 |
| Average equity | $38,814,500 | 1,829 |
| Average total loans | $191,889,000 | 2,087 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8947% | 1,855 |
| Cost of funding earning assets | 0.8985% | 1,945 |
| Net interest margin | 3.9962% | 2,401 |
| Noninterest income to average assets | 0.8768% | 1,941 |
| Noninterest expense to average assets | 2.9014% | 3,631 |
| Loan and lease loss provision to assets | 0.0907% | 4,553 |
| Net operating income to assets | 1.0923% | 1,965 |
| Return on assets (ROA) | 1.0923% | 2,147 |
| Pretax return on assets | 1.4714% | 1,774 |
| Return on Equity (ROE) | 9.5742% | 2,372 |
| Retained earnings to average equity (ytd only) | 5.3178% | 2,491 |
| Net charge-offs to loans | 0.0922% | 4,751 |
| Credit loss provision to net charge-offs | 165.1934% | 1,615 |
| Earnings coverage of net charge-offs (x) | 28.4365% | 1,041 |
| Efficiency ratio | 65.0031% | 4,702 |
| Assets per employee ($millions) | 3.1289% | 5,790 |
| Cash dividends to net income (ytd only)* | 44.4568% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 4,700 |
| Loan loss allowance to noncurrent loans | 83.7288% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 3.2677% | 1,410 |
| Noncurrent loans to loans | 1.5381% | 3,307 |
| Net loans and leases to total assets | 56.5492% | 4,194 |
| Net loans and leases to deposits | 66.9721% | 4,136 |
| Net loans and leases to core deposits | 71.2989% | 4,134 |
| Total domestic deposits to total assets | 84.4370% | 4,110 |
| Equity capital to assets | 11.5981% | 2,351 |
| Core capital (leverage) ratio | 11.7358% | 1,717 |
| Tier 1 risk-based capital ratio | 19.5024% | 1,813 |
| Total risk-based capital ratio | 20.7524% | 1,781 |
| Memoranda: | ||
| Average total assets | $329,490,600 | 1,957 |
| Average earning assets | $295,729,000 | 1,997 |
| Average equity | $37,590,600 | 1,847 |
| Average total loans | $196,319,000 | 2,036 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 1,839 |
| Cost of funding earning assets | 0.9244% | 2,020 |
| Net interest margin | 4.0237% | 2,402 |
| Noninterest income to average assets | 0.8491% | 2,038 |
| Noninterest expense to average assets | 2.8708% | 3,705 |
| Loan and lease loss provision to assets | 0.0849% | 4,549 |
| Net operating income to assets | 1.1188% | 2,027 |
| Return on assets (ROA) | 1.1185% | 2,222 |
| Pretax return on assets | 1.5077% | 1,853 |
| Return on Equity (ROE) | 9.8457% | 2,421 |
| Retained earnings to average equity (ytd only) | 5.5541% | 3,002 |
| Net charge-offs to loans | 0.1013% | 4,378 |
| Credit loss provision to net charge-offs | 139.3333% | 2,071 |
| Earnings coverage of net charge-offs (x) | 26.1394% | 1,224 |
| Efficiency ratio | 64.3124% | 4,755 |
| Assets per employee ($millions) | 3.0380% | 5,984 |
| Cash dividends to net income (ytd only)* | 43.5889% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 5,096 |
| Loan loss allowance to noncurrent loans | 85.1342% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 3.2825% | 1,555 |
| Noncurrent loans to loans | 1.4557% | 3,620 |
| Net loans and leases to total assets | 58.5566% | 4,033 |
| Net loans and leases to deposits | 70.0436% | 3,890 |
| Net loans and leases to core deposits | 75.4640% | 3,795 |
| Total domestic deposits to total assets | 83.6002% | 4,390 |
| Equity capital to assets | 11.7150% | 2,516 |
| Core capital (leverage) ratio | 11.6066% | 1,910 |
| Tier 1 risk-based capital ratio | 19.2734% | 1,929 |
| Total risk-based capital ratio | 20.5014% | 1,906 |
| Memoranda: | ||
| Average total assets | $328,166,250 | 1,978 |
| Average earning assets | $294,809,750 | 2,025 |
| Average equity | $37,281,000 | 1,885 |
| Average total loans | $197,451,250 | 2,050 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9872% | 1,820 |
| Cost of funding earning assets | 0.9476% | 2,081 |
| Net interest margin | 4.0395% | 2,339 |
| Noninterest income to average assets | 0.8489% | 1,970 |
| Noninterest expense to average assets | 2.8795% | 3,705 |
| Loan and lease loss provision to assets | 0.0865% | 4,504 |
| Net operating income to assets | 1.1218% | 1,972 |
| Return on assets (ROA) | 1.1091% | 2,228 |
| Pretax return on assets | 1.4949% | 1,861 |
| Return on Equity (ROE) | 9.8657% | 2,412 |
| Retained earnings to average equity (ytd only) | 5.5292% | 2,976 |
| Net charge-offs to loans | 0.1542% | 3,683 |
| Credit loss provision to net charge-offs | 92.8105% | 2,960 |
| Earnings coverage of net charge-offs (x) | 17.1438% | 1,549 |
| Efficiency ratio | 64.3032% | 4,840 |
| Assets per employee ($millions) | 3.0437% | 5,973 |
| Cash dividends to net income (ytd only)* | 43.9560% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 5,416 |
| Loan loss allowance to noncurrent loans | 88.4397% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 3.1361% | 1,736 |
| Noncurrent loans to loans | 1.3403% | 3,913 |
| Net loans and leases to total assets | 59.3674% | 3,933 |
| Net loans and leases to deposits | 70.7076% | 3,795 |
| Net loans and leases to core deposits | 76.2135% | 3,748 |
| Total domestic deposits to total assets | 83.9618% | 4,332 |
| Equity capital to assets | 11.4316% | 2,656 |
| Core capital (leverage) ratio | 11.3608% | 2,001 |
| Tier 1 risk-based capital ratio | 18.6810% | 2,079 |
| Total risk-based capital ratio | 19.8532% | 2,060 |
| Memoranda: | ||
| Average total assets | $328,185,670 | 1,978 |
| Average earning assets | $294,836,330 | 2,016 |
| Average equity | $36,895,330 | 1,889 |
| Average total loans | $198,421,670 | 2,039 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0430% | 1,744 |
| Cost of funding earning assets | 0.9812% | 2,096 |
| Net interest margin | 4.0618% | 2,247 |
| Noninterest income to average assets | 0.8551% | 1,924 |
| Noninterest expense to average assets | 2.8275% | 3,913 |
| Loan and lease loss provision to assets | 0.0915% | 4,211 |
| Net operating income to assets | 1.1804% | 1,801 |
| Return on assets (ROA) | 1.1552% | 2,045 |
| Pretax return on assets | 1.5528% | 1,732 |
| Return on Equity (ROE) | 10.3628% | 2,278 |
| Retained earnings to average equity (ytd only) | 5.9857% | 2,965 |
| Net charge-offs to loans | 0.0402% | 4,136 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 68.8000% | 490 |
| Efficiency ratio | 62.7504% | 5,141 |
| Assets per employee ($millions) | 3.0818% | 5,999 |
| Cash dividends to net income (ytd only)* | 42.2386% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 5,417 |
| Loan loss allowance to noncurrent loans | 102.6439% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 2.9051% | 1,993 |
| Noncurrent loans to loans | 1.1840% | 4,356 |
| Net loans and leases to total assets | 58.7835% | 3,907 |
| Net loans and leases to deposits | 69.8537% | 3,754 |
| Net loans and leases to core deposits | 75.5224% | 3,685 |
| Total domestic deposits to total assets | 84.1523% | 4,422 |
| Equity capital to assets | 11.0783% | 2,820 |
| Core capital (leverage) ratio | 11.2816% | 2,046 |
| Tier 1 risk-based capital ratio | 18.4763% | 2,151 |
| Total risk-based capital ratio | 19.6837% | 2,134 |
| Memoranda: | ||
| Average total assets | $327,918,000 | 1,985 |
| Average earning assets | $294,747,500 | 2,017 |
| Average equity | $36,554,000 | 1,901 |
| Average total loans | $198,885,500 | 2,044 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2784% | 1,777 |
| Cost of funding earning assets | 1.2547% | 1,703 |
| Net interest margin | 4.0236% | 2,771 |
| Noninterest income to average assets | 0.7747% | 2,204 |
| Noninterest expense to average assets | 2.8188% | 4,274 |
| Loan and lease loss provision to assets | 0.2115% | 4,072 |
| Net operating income to assets | 1.0354% | 2,062 |
| Return on assets (ROA) | 1.0254% | 2,253 |
| Pretax return on assets | 1.3700% | 1,880 |
| Return on Equity (ROE) | 9.3913% | 2,288 |
| Retained earnings to average equity (ytd only) | 4.8667% | 2,735 |
| Net charge-offs to loans | 0.2480% | 4,226 |
| Credit loss provision to net charge-offs | 136.7265% | 2,183 |
| Earnings coverage of net charge-offs (x) | 10.3094% | 1,858 |
| Efficiency ratio | 63.8660% | 5,148 |
| Assets per employee ($millions) | 2.9908% | 6,100 |
| Cash dividends to net income (ytd only)* | 48.1783% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 5,497 |
| Loan loss allowance to noncurrent loans | 113.9535% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 2.9393% | 2,044 |
| Noncurrent loans to loans | 1.0335% | 4,640 |
| Net loans and leases to total assets | 61.1020% | 3,759 |
| Net loans and leases to deposits | 72.5575% | 3,726 |
| Net loans and leases to core deposits | 78.6012% | 3,615 |
| Total domestic deposits to total assets | 84.2117% | 4,233 |
| Equity capital to assets | 11.2184% | 2,773 |
| Core capital (leverage) ratio | 11.2994% | 2,039 |
| Tier 1 risk-based capital ratio | 18.2030% | 2,131 |
| Total risk-based capital ratio | 19.3829% | 2,124 |
| Memoranda: | ||
| Average total assets | $323,858,400 | 1,990 |
| Average earning assets | $292,893,600 | 1,997 |
| Average equity | $35,362,600 | 1,910 |
| Average total loans | $202,011,600 | 2,027 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3025% | 1,845 |
| Cost of funding earning assets | 1.3163% | 1,611 |
| Net interest margin | 3.9862% | 2,969 |
| Noninterest income to average assets | 0.7591% | 2,267 |
| Noninterest expense to average assets | 2.8001% | 4,342 |
| Loan and lease loss provision to assets | 0.2160% | 3,855 |
| Net operating income to assets | 1.0187% | 2,255 |
| Return on assets (ROA) | 1.0063% | 2,448 |
| Pretax return on assets | 1.3384% | 2,157 |
| Return on Equity (ROE) | 9.2796% | 2,473 |
| Retained earnings to average equity (ytd only) | 4.7271% | 3,359 |
| Net charge-offs to loans | 0.2165% | 4,083 |
| Credit loss provision to net charge-offs | 159.5745% | 1,935 |
| Earnings coverage of net charge-offs (x) | 11.6048% | 1,795 |
| Efficiency ratio | 64.0625% | 5,055 |
| Assets per employee ($millions) | 2.9639% | 6,198 |
| Cash dividends to net income (ytd only)* | 49.0597% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 5,534 |
| Loan loss allowance to noncurrent loans | 84.4286% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 2.9851% | 2,150 |
| Noncurrent loans to loans | 1.4012% | 4,191 |
| Net loans and leases to total assets | 61.1202% | 3,922 |
| Net loans and leases to deposits | 72.5120% | 3,890 |
| Net loans and leases to core deposits | 78.1720% | 3,876 |
| Total domestic deposits to total assets | 84.2898% | 4,103 |
| Equity capital to assets | 11.3709% | 2,800 |
| Core capital (leverage) ratio | 11.1351% | 2,291 |
| Tier 1 risk-based capital ratio | 18.1381% | 2,204 |
| Total risk-based capital ratio | 19.3354% | 2,185 |
| Memoranda: | ||
| Average total assets | $324,071,500 | 1,994 |
| Average earning assets | $293,638,500 | 2,000 |
| Average equity | $35,144,250 | 1,923 |
| Average total loans | $202,585,750 | 2,040 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3378% | 1,752 |
| Cost of funding earning assets | 1.3612% | 1,596 |
| Net interest margin | 3.9765% | 2,961 |
| Noninterest income to average assets | 0.7250% | 2,403 |
| Noninterest expense to average assets | 2.7953% | 4,438 |
| Loan and lease loss provision to assets | 0.1850% | 4,068 |
| Net operating income to assets | 1.0191% | 2,143 |
| Return on assets (ROA) | 1.0006% | 2,327 |
| Pretax return on assets | 1.3329% | 2,028 |
| Return on Equity (ROE) | 9.3778% | 2,350 |
| Retained earnings to average equity (ytd only) | 4.7553% | 3,153 |
| Net charge-offs to loans | 0.3253% | 3,259 |
| Credit loss provision to net charge-offs | 90.6344% | 3,440 |
| Earnings coverage of net charge-offs (x) | 7.5589% | 2,200 |
| Efficiency ratio | 64.4400% | 5,157 |
| Assets per employee ($millions) | 2.9088% | 6,283 |
| Cash dividends to net income (ytd only)* | 49.2914% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 6,167 |
| Loan loss allowance to noncurrent loans | 61.2496% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 2.1823% | 3,007 |
| Noncurrent loans to loans | 1.7056% | 3,877 |
| Net loans and leases to total assets | 62.6939% | 3,742 |
| Net loans and leases to deposits | 74.0383% | 3,802 |
| Net loans and leases to core deposits | 80.4508% | 3,722 |
| Total domestic deposits to total assets | 84.6777% | 4,033 |
| Equity capital to assets | 11.0504% | 2,905 |
| Core capital (leverage) ratio | 10.9107% | 2,330 |
| Tier 1 risk-based capital ratio | 17.8328% | 2,230 |
| Total risk-based capital ratio | 18.9096% | 2,251 |
| Memoranda: | ||
| Average total assets | $324,405,330 | 1,997 |
| Average earning assets | $294,730,330 | 2,008 |
| Average equity | $34,613,670 | 1,924 |
| Average total loans | $203,506,000 | 2,052 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3373% | 1,760 |
| Cost of funding earning assets | 1.3807% | 1,709 |
| Net interest margin | 3.9566% | 2,886 |
| Noninterest income to average assets | 0.6926% | 2,619 |
| Noninterest expense to average assets | 2.8477% | 4,273 |
| Loan and lease loss provision to assets | 0.1845% | 3,764 |
| Net operating income to assets | 0.9447% | 2,375 |
| Return on assets (ROA) | 0.9447% | 2,440 |
| Pretax return on assets | 1.2560% | 2,178 |
| Return on Equity (ROE) | 9.0138% | 2,467 |
| Retained earnings to average equity (ytd only) | 4.3191% | 3,579 |
| Net charge-offs to loans | 0.0887% | 4,063 |
| Credit loss provision to net charge-offs | 333.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 26.0222% | 937 |
| Efficiency ratio | 66.4085% | 4,966 |
| Assets per employee ($millions) | 2.9315% | 6,279 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 5,976 |
| Loan loss allowance to noncurrent loans | 60.4843% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 2.2382% | 3,015 |
| Noncurrent loans to loans | 1.8487% | 3,757 |
| Net loans and leases to total assets | 61.7711% | 3,904 |
| Net loans and leases to deposits | 72.6625% | 3,965 |
| Net loans and leases to core deposits | 78.9382% | 3,901 |
| Total domestic deposits to total assets | 85.0110% | 4,028 |
| Equity capital to assets | 10.5904% | 3,089 |
| Core capital (leverage) ratio | 10.7951% | 2,357 |
| Tier 1 risk-based capital ratio | 17.7994% | 2,183 |
| Total risk-based capital ratio | 18.9575% | 2,190 |
| Memoranda: | ||
| Average total assets | $325,170,500 | 2,010 |
| Average earning assets | $295,505,000 | 2,024 |
| Average equity | $34,081,000 | 1,940 |
| Average total loans | $202,979,000 | 2,078 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5076% | 2,250 |
| Cost of funding earning assets | 1.5441% | 2,381 |
| Net interest margin | 3.9635% | 3,188 |
| Noninterest income to average assets | 0.7178% | 2,735 |
| Noninterest expense to average assets | 2.8229% | 4,510 |
| Loan and lease loss provision to assets | 0.2331% | 4,948 |
| Net operating income to assets | 0.9429% | 2,228 |
| Return on assets (ROA) | 0.9503% | 2,326 |
| Pretax return on assets | 1.2839% | 1,975 |
| Return on Equity (ROE) | 9.0831% | 2,259 |
| Retained earnings to average equity (ytd only) | 4.3291% | 2,809 |
| Net charge-offs to loans | 0.5938% | 3,251 |
| Credit loss provision to net charge-offs | 59.7610% | 6,086 |
| Earnings coverage of net charge-offs (x) | 3.8629% | 3,157 |
| Efficiency ratio | 65.1949% | 5,127 |
| Assets per employee ($millions) | 2.9274% | 6,254 |
| Cash dividends to net income (ytd only)* | 52.3389% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 6,077 |
| Loan loss allowance to noncurrent loans | 54.8444% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 2.2706% | 3,003 |
| Noncurrent loans to loans | 1.9503% | 3,633 |
| Net loans and leases to total assets | 61.7077% | 4,345 |
| Net loans and leases to deposits | 71.9125% | 4,535 |
| Net loans and leases to core deposits | 79.1483% | 4,326 |
| Total domestic deposits to total assets | 85.8095% | 3,449 |
| Equity capital to assets | 10.3714% | 3,305 |
| Core capital (leverage) ratio | 10.6215% | 2,442 |
| Tier 1 risk-based capital ratio | 17.7413% | 2,079 |
| Total risk-based capital ratio | 18.8540% | 2,102 |
| Memoranda: | ||
| Average total assets | $321,686,200 | 2,024 |
| Average earning assets | $293,175,400 | 2,025 |
| Average equity | $33,655,800 | 1,961 |
| Average total loans | $211,346,200 | 2,053 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5868% | 2,115 |
| Cost of funding earning assets | 1.5671% | 2,566 |
| Net interest margin | 4.0197% | 3,007 |
| Noninterest income to average assets | 0.6898% | 2,880 |
| Noninterest expense to average assets | 2.8355% | 4,327 |
| Loan and lease loss provision to assets | 0.2493% | 4,598 |
| Net operating income to assets | 0.9354% | 2,473 |
| Return on assets (ROA) | 0.9449% | 2,564 |
| Pretax return on assets | 1.2831% | 2,217 |
| Return on Equity (ROE) | 9.0116% | 2,483 |
| Retained earnings to average equity (ytd only) | 4.2561% | 3,494 |
| Net charge-offs to loans | 0.1261% | 5,292 |
| Credit loss provision to net charge-offs | 297.0297% | 1,078 |
| Earnings coverage of net charge-offs (x) | 18.1037% | 1,286 |
| Efficiency ratio | 65.1083% | 5,036 |
| Assets per employee ($millions) | 2.8733% | 6,438 |
| Cash dividends to net income (ytd only)* | 52.7705% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 4,177 |
| Loan loss allowance to noncurrent loans | 52.0597% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 2.4091% | 2,967 |
| Noncurrent loans to loans | 2.7969% | 2,851 |
| Net loans and leases to total assets | 64.0131% | 4,131 |
| Net loans and leases to deposits | 74.9503% | 4,347 |
| Net loans and leases to core deposits | 82.5710% | 4,153 |
| Total domestic deposits to total assets | 85.4074% | 3,404 |
| Equity capital to assets | 10.7492% | 3,227 |
| Core capital (leverage) ratio | 10.5017% | 2,685 |
| Tier 1 risk-based capital ratio | 16.8923% | 2,380 |
| Total risk-based capital ratio | 18.1455% | 2,341 |
| Memoranda: | ||
| Average total assets | $320,872,000 | 2,058 |
| Average earning assets | $292,586,750 | 2,057 |
| Average equity | $33,644,500 | 1,987 |
| Average total loans | $213,512,000 | 2,063 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6153% | 2,076 |
| Cost of funding earning assets | 1.5891% | 2,718 |
| Net interest margin | 4.0261% | 2,894 |
| Noninterest income to average assets | 0.7096% | 2,652 |
| Noninterest expense to average assets | 2.8392% | 4,318 |
| Loan and lease loss provision to assets | 0.2816% | 4,154 |
| Net operating income to assets | 0.9157% | 2,494 |
| Return on assets (ROA) | 0.9280% | 2,540 |
| Pretax return on assets | 1.2728% | 2,176 |
| Return on Equity (ROE) | 8.9268% | 2,501 |
| Retained earnings to average equity (ytd only) | 4.1113% | 3,457 |
| Net charge-offs to loans | 0.1297% | 4,904 |
| Credit loss provision to net charge-offs | 323.7410% | 1,131 |
| Earnings coverage of net charge-offs (x) | 17.6763% | 1,325 |
| Efficiency ratio | 64.8699% | 5,177 |
| Assets per employee ($millions) | 2.8394% | 6,483 |
| Cash dividends to net income (ytd only)* | 53.9447% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 4,388 |
| Loan loss allowance to noncurrent loans | 50.2526% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 2.2815% | 3,156 |
| Noncurrent loans to loans | 2.8010% | 2,851 |
| Net loans and leases to total assets | 64.5715% | 4,142 |
| Net loans and leases to deposits | 75.2878% | 4,466 |
| Net loans and leases to core deposits | 81.9982% | 4,416 |
| Total domestic deposits to total assets | 85.7663% | 3,223 |
| Equity capital to assets | 10.4607% | 3,466 |
| Core capital (leverage) ratio | 10.4822% | 2,644 |
| Tier 1 risk-based capital ratio | 17.0788% | 2,248 |
| Total risk-based capital ratio | 18.3322% | 2,200 |
| Memoranda: | ||
| Average total assets | $319,601,000 | 2,073 |
| Average earning assets | $291,099,330 | 2,084 |
| Average equity | $33,225,670 | 2,005 |
| Average total loans | $214,378,670 | 2,086 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5752% | 2,263 |
| Cost of funding earning assets | 1.6158% | 2,863 |
| Net interest margin | 3.9593% | 3,058 |
| Noninterest income to average assets | 0.6953% | 2,630 |
| Noninterest expense to average assets | 2.8341% | 4,347 |
| Loan and lease loss provision to assets | 0.3779% | 3,102 |
| Net operating income to assets | 0.8024% | 2,950 |
| Return on assets (ROA) | 0.8062% | 3,032 |
| Pretax return on assets | 1.0933% | 2,758 |
| Return on Equity (ROE) | 7.7791% | 2,986 |
| Retained earnings to average equity (ytd only) | 2.9172% | 4,383 |
| Net charge-offs to loans | 0.1150% | 4,289 |
| Credit loss provision to net charge-offs | 483.8710% | 874 |
| Earnings coverage of net charge-offs (x) | 18.7742% | 1,228 |
| Efficiency ratio | 65.9051% | 5,137 |
| Assets per employee ($millions) | 2.8340% | 6,561 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 4,611 |
| Loan loss allowance to noncurrent loans | 51.0612% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 2.1540% | 3,325 |
| Noncurrent loans to loans | 2.6689% | 3,003 |
| Net loans and leases to total assets | 65.7916% | 3,909 |
| Net loans and leases to deposits | 77.0975% | 4,204 |
| Net loans and leases to core deposits | 84.1232% | 4,182 |
| Total domestic deposits to total assets | 85.3356% | 3,491 |
| Equity capital to assets | 10.3374% | 3,426 |
| Core capital (leverage) ratio | 10.5464% | 2,575 |
| Tier 1 risk-based capital ratio | 16.8682% | 2,319 |
| Total risk-based capital ratio | 18.1130% | 2,273 |
| Memoranda: | ||
| Average total assets | $317,557,000 | 2,142 |
| Average earning assets | $289,138,500 | 2,150 |
| Average equity | $32,908,500 | 2,043 |
| Average total loans | $215,570,500 | 2,121 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8021% | 2,643 |
| Cost of funding earning assets | 1.8564% | 3,701 |
| Net interest margin | 3.9458% | 3,096 |
| Noninterest income to average assets | 0.8251% | 2,285 |
| Noninterest expense to average assets | 2.8124% | 4,922 |
| Loan and lease loss provision to assets | 0.2936% | 5,077 |
| Net operating income to assets | 0.9442% | 2,026 |
| Return on assets (ROA) | 0.9491% | 2,061 |
| Pretax return on assets | 1.3106% | 1,667 |
| Return on Equity (ROE) | 9.3318% | 1,912 |
| Retained earnings to average equity (ytd only) | 4.1991% | 2,283 |
| Net charge-offs to loans | 0.1821% | 5,510 |
| Credit loss provision to net charge-offs | 228.4264% | 1,619 |
| Earnings coverage of net charge-offs (x) | 12.4264% | 1,512 |
| Efficiency ratio | 63.7763% | 5,816 |
| Assets per employee ($millions) | 2.8366% | 6,595 |
| Cash dividends to net income (ytd only)* | 55.0017% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 5,183 |
| Loan loss allowance to noncurrent loans | 50.0468% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 2.0370% | 3,352 |
| Noncurrent loans to loans | 2.4552% | 3,095 |
| Net loans and leases to total assets | 68.2388% | 3,649 |
| Net loans and leases to deposits | 79.7543% | 4,039 |
| Net loans and leases to core deposits | 97.4815% | 4,285 |
| Total domestic deposits to total assets | 85.5613% | 3,250 |
| Equity capital to assets | 10.3891% | 3,297 |
| Core capital (leverage) ratio | 10.5696% | 2,530 |
| Tier 1 risk-based capital ratio | 16.5306% | 2,308 |
| Total risk-based capital ratio | 17.7818% | 2,255 |
| Memoranda: | ||
| Average total assets | $306,501,200 | 2,176 |
| Average earning assets | $278,448,600 | 2,191 |
| Average equity | $31,173,000 | 2,155 |
| Average total loans | $216,396,000 | 2,137 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8214% | 2,790 |
| Cost of funding earning assets | 1.8967% | 3,903 |
| Net interest margin | 3.9247% | 3,143 |
| Noninterest income to average assets | 0.8120% | 2,371 |
| Noninterest expense to average assets | 2.8001% | 4,902 |
| Loan and lease loss provision to assets | 0.1861% | 5,511 |
| Net operating income to assets | 0.9978% | 2,066 |
| Return on assets (ROA) | 1.0026% | 2,107 |
| Pretax return on assets | 1.3959% | 1,704 |
| Return on Equity (ROE) | 9.9126% | 1,948 |
| Retained earnings to average equity (ytd only) | 4.7160% | 2,646 |
| Net charge-offs to loans | 0.1326% | 5,369 |
| Credit loss provision to net charge-offs | 197.6744% | 2,270 |
| Earnings coverage of net charge-offs (x) | 16.7302% | 1,453 |
| Efficiency ratio | 63.9940% | 5,754 |
| Assets per employee ($millions) | 2.7512% | 6,732 |
| Cash dividends to net income (ytd only)* | 52.4247% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 5,747 |
| Loan loss allowance to noncurrent loans | 53.5722% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.8830% | 3,533 |
| Noncurrent loans to loans | 2.0477% | 3,570 |
| Net loans and leases to total assets | 68.9334% | 3,727 |
| Net loans and leases to deposits | 82.5488% | 3,915 |
| Net loans and leases to core deposits | 101.2176% | 4,241 |
| Total domestic deposits to total assets | 83.5062% | 3,960 |
| Equity capital to assets | 10.2574% | 3,780 |
| Core capital (leverage) ratio | 10.5784% | 2,735 |
| Tier 1 risk-based capital ratio | 16.5018% | 2,428 |
| Total risk-based capital ratio | 17.6945% | 2,396 |
| Memoranda: | ||
| Average total assets | $304,409,500 | 2,202 |
| Average earning assets | $276,396,500 | 2,220 |
| Average equity | $30,788,250 | 2,203 |
| Average total loans | $216,111,250 | 2,165 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8364% | 2,867 |
| Cost of funding earning assets | 1.9340% | 4,092 |
| Net interest margin | 3.9023% | 3,103 |
| Noninterest income to average assets | 0.8106% | 2,363 |
| Noninterest expense to average assets | 2.8235% | 4,857 |
| Loan and lease loss provision to assets | 0.1489% | 5,589 |
| Net operating income to assets | 0.9914% | 2,140 |
| Return on assets (ROA) | 0.9985% | 2,206 |
| Pretax return on assets | 1.3889% | 1,757 |
| Return on Equity (ROE) | 9.9207% | 2,049 |
| Retained earnings to average equity (ytd only) | 4.6612% | 2,707 |
| Net charge-offs to loans | 0.0861% | 5,348 |
| Credit loss provision to net charge-offs | 241.9355% | 1,916 |
| Earnings coverage of net charge-offs (x) | 24.8280% | 1,141 |
| Efficiency ratio | 64.8875% | 5,743 |
| Assets per employee ($millions) | 2.6982% | 6,834 |
| Cash dividends to net income (ytd only)* | 53.0152% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 5,873 |
| Loan loss allowance to noncurrent loans | 46.1369% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 1.9571% | 3,255 |
| Noncurrent loans to loans | 2.2872% | 3,152 |
| Net loans and leases to total assets | 70.0798% | 3,689 |
| Net loans and leases to deposits | 83.7604% | 3,927 |
| Net loans and leases to core deposits | 104.3712% | 4,024 |
| Total domestic deposits to total assets | 83.6670% | 3,934 |
| Equity capital to assets | 10.0420% | 3,882 |
| Core capital (leverage) ratio | 10.6719% | 2,687 |
| Tier 1 risk-based capital ratio | 16.1557% | 2,565 |
| Total risk-based capital ratio | 17.2982% | 2,551 |
| Memoranda: | ||
| Average total assets | $302,250,330 | 2,243 |
| Average earning assets | $274,245,670 | 2,257 |
| Average equity | $30,421,330 | 2,239 |
| Average total loans | $215,921,000 | 2,190 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8318% | 3,129 |
| Cost of funding earning assets | 2.0245% | 4,011 |
| Net interest margin | 3.8073% | 3,416 |
| Noninterest income to average assets | 0.7931% | 2,363 |
| Noninterest expense to average assets | 2.8413% | 4,375 |
| Loan and lease loss provision to assets | 0.0601% | 6,205 |
| Net operating income to assets | 0.9665% | 2,458 |
| Return on assets (ROA) | 0.9694% | 2,568 |
| Pretax return on assets | 1.3459% | 2,132 |
| Return on Equity (ROE) | 9.6199% | 2,487 |
| Retained earnings to average equity (ytd only) | 4.3197% | 3,509 |
| Net charge-offs to loans | 0.0409% | 4,914 |
| Credit loss provision to net charge-offs | 204.5455% | 2,174 |
| Earnings coverage of net charge-offs (x) | 47.7273% | 757 |
| Efficiency ratio | 66.9604% | 5,150 |
| Assets per employee ($millions) | 2.6342% | 7,011 |
| Cash dividends to net income (ytd only)* | 55.0964% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 6,113 |
| Loan loss allowance to noncurrent loans | 124.5026% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.9311% | 4,861 |
| Noncurrent loans to loans | 0.8111% | 5,414 |
| Net loans and leases to total assets | 71.4827% | 3,359 |
| Net loans and leases to deposits | 85.2044% | 3,772 |
| Net loans and leases to core deposits | 111.3911% | 3,273 |
| Total domestic deposits to total assets | 83.8955% | 3,754 |
| Equity capital to assets | 10.1451% | 3,834 |
| Core capital (leverage) ratio | 10.7846% | 2,668 |
| Tier 1 risk-based capital ratio | 16.2106% | 2,609 |
| Total risk-based capital ratio | 17.3157% | 2,606 |
| Memoranda: | ||
| Average total assets | $299,576,500 | 2,268 |
| Average earning assets | $271,476,000 | 2,279 |
| Average equity | $30,187,500 | 2,257 |
| Average total loans | $214,950,000 | 2,220 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3682% | 3,589 |
| Cost of funding earning assets | 2.3617% | 4,886 |
| Net interest margin | 4.0065% | 3,082 |
| Noninterest income to average assets | 0.9415% | 1,808 |
| Noninterest expense to average assets | 2.9621% | 4,219 |
| Loan and lease loss provision to assets | 0.0851% | 6,323 |
| Net operating income to assets | 1.0765% | 2,233 |
| Return on assets (ROA) | 1.0815% | 2,136 |
| Pretax return on assets | 1.5022% | 1,680 |
| Return on Equity (ROE) | 10.2812% | 2,166 |
| Retained earnings to average equity (ytd only) | 5.0828% | 1,973 |
| Net charge-offs to loans | 0.0131% | 6,726 |
| Credit loss provision to net charge-offs | 875.0000% | 504 |
| Earnings coverage of net charge-offs (x) | 162.5714% | 285 |
| Efficiency ratio | 65.2094% | 5,276 |
| Assets per employee ($millions) | 2.6447% | 6,902 |
| Cash dividends to net income (ytd only)* | 50.5618% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 5,871 |
| Loan loss allowance to noncurrent loans | 158.8710% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.7766% | 4,909 |
| Noncurrent loans to loans | 0.6402% | 5,443 |
| Net loans and leases to total assets | 70.5633% | 3,892 |
| Net loans and leases to deposits | 84.4458% | 4,351 |
| Net loans and leases to core deposits | 112.1136% | 3,547 |
| Total domestic deposits to total assets | 83.5604% | 3,549 |
| Equity capital to assets | 10.0080% | 4,028 |
| Core capital (leverage) ratio | 10.9673% | 2,614 |
| Tier 1 risk-based capital ratio | 16.1896% | 2,589 |
| Total risk-based capital ratio | 17.2929% | 2,592 |
| Memoranda: | ||
| Average total assets | $288,036,600 | 2,269 |
| Average earning assets | $258,881,200 | 2,300 |
| Average equity | $30,298,000 | 2,238 |
| Average total loans | $212,952,800 | 2,182 |