Home > Citizens Bank and Trust Company of Ardmore > Performance and Condition Ratios
Citizens Bank and Trust Company of Ardmore, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8887% | 3,304 |
| Cost of funding earning assets | 1.5397% | 3,102 |
| Net interest margin | 3.3491% | 2,664 |
| Noninterest income to average assets | 0.6300% | 1,240 |
| Noninterest expense to average assets | 2.3980% | 2,587 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 1.4036% | 1,254 |
| Return on assets (ROA) | 1.4036% | 1,255 |
| Pretax return on assets | 1.4036% | 1,736 |
| Return on Equity (ROE) | 17.8400% | 665 |
| Retained earnings to average equity (ytd only) | 10.6898% | 1,030 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 62.9741% | 2,601 |
| Assets per employee ($millions) | 6.7811% | 2,366 |
| Cash dividends to net income (ytd only)* | 40.0722% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,249 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 62.2500% | 2,671 |
| Net loans and leases to deposits | 72.6326% | 2,687 |
| Net loans and leases to core deposits | 85.4642% | 2,359 |
| Total domestic deposits to total assets | 85.7100% | 2,405 |
| Equity capital to assets | 8.0367% | 3,574 |
| Core capital (leverage) ratio | 9.8803% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6975% | 1,124 |
| Memoranda: | ||
| Average total assets | $315,759,000 | 2,409 |
| Average earning assets | $299,546,000 | 2,372 |
| Average equity | $24,846,000 | 2,699 |
| Average total loans | $198,058,000 | 2,421 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7812% | 3,454 |
| Cost of funding earning assets | 1.5290% | 3,295 |
| Net interest margin | 3.2522% | 2,609 |
| Noninterest income to average assets | 0.6300% | 1,401 |
| Noninterest expense to average assets | 2.3802% | 2,642 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.2731% | 1,353 |
| Return on assets (ROA) | 1.2709% | 1,361 |
| Pretax return on assets | 1.2709% | 1,818 |
| Return on Equity (ROE) | 19.0600% | 471 |
| Retained earnings to average equity (ytd only) | 7.5869% | 1,247 |
| Net charge-offs to loans | 0.0005% | 3,059 |
| Credit loss provision to net charge-offs | 19,500.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 4,236.0000% | 26 |
| Efficiency ratio | 64.0743% | 2,716 |
| Assets per employee ($millions) | 7.4477% | 1,871 |
| Cash dividends to net income (ytd only)* | 60.1884% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,115 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 61.9300% | 2,770 |
| Net loans and leases to deposits | 71.9363% | 2,796 |
| Net loans and leases to core deposits | 84.8091% | 2,455 |
| Total domestic deposits to total assets | 86.0900% | 2,193 |
| Equity capital to assets | 7.6974% | 3,675 |
| Core capital (leverage) ratio | 9.5905% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8474% | 1,088 |
| Memoranda: | ||
| Average total assets | $317,413,800 | 2,378 |
| Average earning assets | $301,181,400 | 2,341 |
| Average equity | $21,168,000 | 2,885 |
| Average total loans | $194,541,200 | 2,410 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7136% | 3,521 |
| Cost of funding earning assets | 1.5153% | 3,327 |
| Net interest margin | 3.1982% | 2,699 |
| Noninterest income to average assets | 0.6100% | 1,436 |
| Noninterest expense to average assets | 2.3856% | 2,564 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.1769% | 1,568 |
| Return on assets (ROA) | 1.1740% | 1,576 |
| Pretax return on assets | 1.1740% | 2,057 |
| Return on Equity (ROE) | 18.3000% | 551 |
| Retained earnings to average equity (ytd only) | 11.8716% | 524 |
| Net charge-offs to loans | 0.0007% | 2,809 |
| Credit loss provision to net charge-offs | 19,500.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 3,007.0000% | 30 |
| Efficiency ratio | 65.4646% | 2,539 |
| Assets per employee ($millions) | 7.2432% | 1,974 |
| Cash dividends to net income (ytd only)* | 35.1159% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,182 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 61.1600% | 2,816 |
| Net loans and leases to deposits | 74.5195% | 2,644 |
| Net loans and leases to core deposits | 87.0864% | 2,343 |
| Total domestic deposits to total assets | 82.0700% | 3,092 |
| Equity capital to assets | 7.4292% | 3,991 |
| Core capital (leverage) ratio | 8.9885% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7034% | 1,354 |
| Memoranda: | ||
| Average total assets | $318,566,000 | 2,358 |
| Average earning assets | $302,324,500 | 2,324 |
| Average equity | $20,440,500 | 2,935 |
| Average total loans | $194,249,000 | 2,404 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 3,553 |
| Cost of funding earning assets | 1.5073% | 3,268 |
| Net interest margin | 3.1441% | 2,761 |
| Noninterest income to average assets | 0.6000% | 1,448 |
| Noninterest expense to average assets | 2.3779% | 2,583 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 1.1057% | 1,709 |
| Return on assets (ROA) | 1.1013% | 1,719 |
| Pretax return on assets | 1.1013% | 2,208 |
| Return on Equity (ROE) | 18.1200% | 608 |
| Retained earnings to average equity (ytd only) | 11.0424% | 684 |
| Net charge-offs to loans | 0.0010% | 2,568 |
| Credit loss provision to net charge-offs | 16,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,921.0000% | 46 |
| Efficiency ratio | 66.3455% | 2,509 |
| Assets per employee ($millions) | 7.0878% | 2,026 |
| Cash dividends to net income (ytd only)* | 39.0536% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 3,274 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.7700% | 2,882 |
| Net loans and leases to deposits | 73.0155% | 2,757 |
| Net loans and leases to core deposits | 84.6667% | 2,480 |
| Total domestic deposits to total assets | 83.2300% | 2,815 |
| Equity capital to assets | 6.3562% | 4,144 |
| Core capital (leverage) ratio | 8.4399% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9049% | 1,550 |
| Memoranda: | ||
| Average total assets | $318,521,000 | 2,346 |
| Average earning assets | $302,405,000 | 2,308 |
| Average equity | $19,361,667 | 2,990 |
| Average total loans | $193,366,333 | 2,400 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 85,820.0000% | 19 |
| Cost of funding earning assets | 80.0000% | 17 |
| Net interest margin | 0.0000% | 4,533 |
| Noninterest income to average assets | 0.0005% | 4,502 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | 1.0392% | 1,839 |
| Pretax return on assets | 1.0392% | 2,285 |
| Return on Equity (ROE) | 17.5000% | 666 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 7.3122% | 4,533 |
| Assets per employee ($millions) | 0.1245% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 4,147.0000% | 29 |
| Total domestic deposits to total assets | 5.0000% | 4,499 |
| Equity capital to assets | 34,533.0000% | 20 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $2,502,000 | 4,564 |
| Average earning assets | $10,917 | 4,542 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 3,937 |
| Cost of funding earning assets | 1.0529% | 3,189 |
| Net interest margin | 2.9669% | 3,365 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.4225% | 2,520 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0006% | 2,221 |
| Return on assets (ROA) | 1.0006% | 2,203 |
| Pretax return on assets | 1.0006% | 2,690 |
| Return on Equity (ROE) | 18.3400% | 775 |
| Retained earnings to average equity (ytd only) | 7.9908% | 1,543 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.9114% | 1,890 |
| Assets per employee ($millions) | 6.3115% | 2,547 |
| Cash dividends to net income (ytd only)* | 56.4417% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 3,504 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.0600% | 2,940 |
| Net loans and leases to deposits | 73.3934% | 2,660 |
| Net loans and leases to core deposits | 83.5802% | 2,487 |
| Total domestic deposits to total assets | 80.4700% | 3,383 |
| Equity capital to assets | 5.9631% | 4,242 |
| Core capital (leverage) ratio | 8.0654% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3322% | 1,745 |
| Memoranda: | ||
| Average total assets | $309,514,800 | 2,381 |
| Average earning assets | $293,475,400 | 2,338 |
| Average equity | $16,882,000 | 3,105 |
| Average total loans | $177,783,000 | 2,467 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8793% | 4,027 |
| Cost of funding earning assets | 0.9026% | 3,267 |
| Net interest margin | 2.9766% | 3,383 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.4631% | 2,339 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.9762% | 2,430 |
| Return on assets (ROA) | 0.9762% | 2,427 |
| Pretax return on assets | 0.9762% | 2,918 |
| Return on Equity (ROE) | 18.3400% | 906 |
| Retained earnings to average equity (ytd only) | 10.0741% | 1,380 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.1784% | 1,658 |
| Assets per employee ($millions) | 6.4461% | 2,362 |
| Cash dividends to net income (ytd only)* | 45.0554% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 3,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.4300% | 2,991 |
| Net loans and leases to deposits | 75.3099% | 2,473 |
| Net loans and leases to core deposits | 82.7361% | 2,419 |
| Total domestic deposits to total assets | 77.5800% | 3,865 |
| Equity capital to assets | 5.3020% | 4,194 |
| Core capital (leverage) ratio | 8.2002% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4028% | 1,751 |
| Memoranda: | ||
| Average total assets | $307,999,500 | 2,394 |
| Average earning assets | $292,178,500 | 2,350 |
| Average equity | $16,398,000 | 3,135 |
| Average total loans | $175,185,250 | 2,489 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,006 |
| Cost of funding earning assets | 0.7086% | 3,460 |
| Net interest margin | 3.0997% | 3,227 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.5470% | 2,079 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0014% | 2,415 |
| Return on assets (ROA) | 1.0014% | 2,410 |
| Pretax return on assets | 1.0014% | 2,908 |
| Return on Equity (ROE) | 18.7800% | 860 |
| Retained earnings to average equity (ytd only) | 11.4239% | 1,093 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.3578% | 1,629 |
| Assets per employee ($millions) | 6.1934% | 2,546 |
| Cash dividends to net income (ytd only)* | 39.1759% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 3,532 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.1600% | 3,112 |
| Net loans and leases to deposits | 70.7918% | 2,729 |
| Net loans and leases to core deposits | 76.6035% | 2,719 |
| Total domestic deposits to total assets | 79.3300% | 3,674 |
| Equity capital to assets | 5.4997% | 4,294 |
| Core capital (leverage) ratio | 8.2434% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9700% | 1,582 |
| Memoranda: | ||
| Average total assets | $305,379,333 | 2,412 |
| Average earning assets | $289,573,000 | 2,371 |
| Average equity | $16,281,667 | 3,163 |
| Average total loans | $171,491,333 | 2,513 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7814% | 3,894 |
| Cost of funding earning assets | 0.5742% | 3,465 |
| Net interest margin | 3.2073% | 3,099 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.6224% | 1,889 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.0170% | 2,479 |
| Return on assets (ROA) | 1.0170% | 2,447 |
| Pretax return on assets | 1.0170% | 2,945 |
| Return on Equity (ROE) | 19.3900% | 827 |
| Retained earnings to average equity (ytd only) | 11.9947% | 1,271 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.6655% | 1,564 |
| Assets per employee ($millions) | 6.2146% | 2,571 |
| Cash dividends to net income (ytd only)* | 38.1323% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 3,572 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 55.6500% | 3,061 |
| Net loans and leases to deposits | 65.6381% | 2,963 |
| Net loans and leases to core deposits | 69.7492% | 2,971 |
| Total domestic deposits to total assets | 84.7900% | 2,909 |
| Equity capital to assets | 5.3498% | 4,362 |
| Core capital (leverage) ratio | 7.9757% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0864% | 1,600 |
| Memoranda: | ||
| Average total assets | $303,234,500 | 2,451 |
| Average earning assets | $287,722,000 | 2,410 |
| Average equity | $15,907,000 | 3,223 |
| Average total loans | $169,434,000 | 2,550 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3171% | 3,545 |
| Cost of funding earning assets | 0.3176% | 2,739 |
| Net interest margin | 2.9995% | 3,455 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.4328% | 2,330 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0270% | 2,472 |
| Return on assets (ROA) | 1.0131% | 2,465 |
| Pretax return on assets | 1.0131% | 3,040 |
| Return on Equity (ROE) | 18.1100% | 685 |
| Retained earnings to average equity (ytd only) | 7.5027% | 2,024 |
| Net charge-offs to loans | -0.0415% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.0477% | 1,680 |
| Assets per employee ($millions) | 6.0391% | 2,729 |
| Cash dividends to net income (ytd only)* | 58.5621% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 3,413 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 54.9900% | 3,119 |
| Net loans and leases to deposits | 67.4247% | 2,774 |
| Net loans and leases to core deposits | 70.9003% | 2,808 |
| Total domestic deposits to total assets | 81.5600% | 3,683 |
| Equity capital to assets | 5.1408% | 4,329 |
| Core capital (leverage) ratio | 7.9771% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1130% | 1,599 |
| Memoranda: | ||
| Average total assets | $302,037,800 | 2,441 |
| Average earning assets | $286,247,400 | 2,409 |
| Average equity | $16,900,600 | 3,211 |
| Average total loans | $156,582,000 | 2,570 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2183% | 3,392 |
| Cost of funding earning assets | 0.2912% | 2,262 |
| Net interest margin | 2.9271% | 3,418 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.4441% | 2,181 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9596% | 2,624 |
| Return on assets (ROA) | 0.9570% | 2,607 |
| Pretax return on assets | 0.9570% | 3,150 |
| Return on Equity (ROE) | 16.7600% | 842 |
| Retained earnings to average equity (ytd only) | 10.5381% | 1,183 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.6671% | 1,564 |
| Assets per employee ($millions) | 6.1187% | 2,655 |
| Cash dividends to net income (ytd only)* | 37.1310% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 3,596 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 52.5100% | 3,235 |
| Net loans and leases to deposits | 61.6306% | 3,051 |
| Net loans and leases to core deposits | 64.4785% | 3,073 |
| Total domestic deposits to total assets | 85.2000% | 3,237 |
| Equity capital to assets | 4.5264% | 4,392 |
| Core capital (leverage) ratio | 7.6324% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7787% | 1,776 |
| Memoranda: | ||
| Average total assets | $302,058,750 | 2,460 |
| Average earning assets | $286,147,500 | 2,428 |
| Average equity | $17,245,000 | 3,220 |
| Average total loans | $153,799,750 | 2,599 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1077% | 3,285 |
| Cost of funding earning assets | 0.2816% | 1,884 |
| Net interest margin | 2.8261% | 3,362 |
| Noninterest income to average assets | 0.6470% | 1,553 |
| Noninterest expense to average assets | 2.4717% | 2,022 |
| Loan and lease loss provision to assets | 0.0033% | 2,546 |
| Net operating income to assets | 0.8478% | 2,786 |
| Return on assets (ROA) | 0.8472% | 2,766 |
| Pretax return on assets | 0.8472% | 3,214 |
| Return on Equity (ROE) | 13.8649% | 1,149 |
| Retained earnings to average equity (ytd only) | 8.1840% | 1,554 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3846% | 1,470 |
| Assets per employee ($millions) | 5.9471% | 2,791 |
| Cash dividends to net income (ytd only)* | 40.9733% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 51.4149% | 3,221 |
| Net loans and leases to deposits | 59.9345% | 3,053 |
| Net loans and leases to core deposits | 62.8519% | 3,045 |
| Total domestic deposits to total assets | 85.7852% | 3,304 |
| Equity capital to assets | 4.7642% | 4,525 |
| Core capital (leverage) ratio | 7.4346% | 4,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7620% | 1,781 |
| Memoranda: | ||
| Average total assets | $300,766,000 | 2,479 |
| Average earning assets | $284,776,667 | 2,460 |
| Average equity | $18,377,333 | 3,196 |
| Average total loans | $150,989,667 | 2,632 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0344% | 3,150 |
| Cost of funding earning assets | 0.2760% | 1,863 |
| Net interest margin | 2.7584% | 3,258 |
| Noninterest income to average assets | 0.6504% | 1,492 |
| Noninterest expense to average assets | 2.4935% | 1,897 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7733% | 2,754 |
| Return on assets (ROA) | 0.7733% | 2,748 |
| Pretax return on assets | 0.7733% | 3,192 |
| Return on Equity (ROE) | 11.3859% | 1,493 |
| Retained earnings to average equity (ytd only) | 6.4697% | 2,084 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3287% | 1,486 |
| Assets per employee ($millions) | 6.0398% | 2,771 |
| Cash dividends to net income (ytd only)* | 43.1779% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 48.6852% | 3,313 |
| Net loans and leases to deposits | 57.3813% | 3,137 |
| Net loans and leases to core deposits | 60.1650% | 3,130 |
| Total domestic deposits to total assets | 84.8451% | 3,574 |
| Equity capital to assets | 5.9435% | 4,598 |
| Core capital (leverage) ratio | 7.4310% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6473% | 1,937 |
| Memoranda: | ||
| Average total assets | $299,497,500 | 2,497 |
| Average earning assets | $284,073,500 | 2,484 |
| Average equity | $20,341,000 | 3,115 |
| Average total loans | $147,728,000 | 2,660 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4211% | 2,879 |
| Cost of funding earning assets | 0.3410% | 2,019 |
| Net interest margin | 3.0801% | 2,966 |
| Noninterest income to average assets | 0.6222% | 2,067 |
| Noninterest expense to average assets | 2.5786% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9521% | 2,863 |
| Return on assets (ROA) | 0.9634% | 2,888 |
| Pretax return on assets | 0.9634% | 3,349 |
| Return on Equity (ROE) | 11.5220% | 1,977 |
| Retained earnings to average equity (ytd only) | 2.6293% | 3,788 |
| Net charge-offs to loans | 0.0504% | 1,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 35.5270% | 1,497 |
| Efficiency ratio | 73.0331% | 1,410 |
| Assets per employee ($millions) | 5.7052% | 3,049 |
| Cash dividends to net income (ytd only)* | 77.1805% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 3,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 48.9272% | 3,413 |
| Net loans and leases to deposits | 59.0745% | 3,159 |
| Net loans and leases to core deposits | 62.1939% | 3,144 |
| Total domestic deposits to total assets | 82.8229% | 3,842 |
| Equity capital to assets | 7.6896% | 4,506 |
| Core capital (leverage) ratio | 7.7623% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1786% | 1,787 |
| Memoranda: | ||
| Average total assets | $276,117,200 | 2,563 |
| Average earning assets | $260,736,400 | 2,548 |
| Average equity | $23,086,200 | 2,975 |
| Average total loans | $146,853,600 | 2,659 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5318% | 2,740 |
| Cost of funding earning assets | 0.3549% | 2,067 |
| Net interest margin | 3.1769% | 2,804 |
| Noninterest income to average assets | 0.6148% | 2,151 |
| Noninterest expense to average assets | 2.6279% | 1,758 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9838% | 2,975 |
| Return on assets (ROA) | 0.9990% | 2,976 |
| Pretax return on assets | 0.9990% | 3,457 |
| Return on Equity (ROE) | 11.6972% | 2,142 |
| Retained earnings to average equity (ytd only) | 7.4046% | 2,270 |
| Net charge-offs to loans | 0.0669% | 977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 27.1622% | 1,585 |
| Efficiency ratio | 72.7605% | 1,336 |
| Assets per employee ($millions) | 5.4278% | 3,277 |
| Cash dividends to net income (ytd only)* | 36.6977% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 3,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 50.8578% | 3,311 |
| Net loans and leases to deposits | 61.7889% | 3,060 |
| Net loans and leases to core deposits | 64.9978% | 3,045 |
| Total domestic deposits to total assets | 82.3089% | 3,863 |
| Equity capital to assets | 8.4544% | 4,241 |
| Core capital (leverage) ratio | 8.2179% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6351% | 1,746 |
| Memoranda: | ||
| Average total assets | $272,405,750 | 2,606 |
| Average earning assets | $256,971,750 | 2,590 |
| Average equity | $23,264,250 | 2,996 |
| Average total loans | $147,585,750 | 2,696 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6980% | 2,337 |
| Cost of funding earning assets | 0.3715% | 2,120 |
| Net interest margin | 3.3266% | 2,359 |
| Noninterest income to average assets | 0.6101% | 2,168 |
| Noninterest expense to average assets | 2.6478% | 1,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0969% | 2,564 |
| Return on assets (ROA) | 1.1058% | 2,590 |
| Pretax return on assets | 1.1058% | 3,193 |
| Return on Equity (ROE) | 12.9027% | 1,751 |
| Retained earnings to average equity (ytd only) | 8.8359% | 1,763 |
| Net charge-offs to loans | 0.1011% | 733 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 19.6800% | 1,537 |
| Efficiency ratio | 70.7085% | 1,558 |
| Assets per employee ($millions) | 5.4919% | 3,136 |
| Cash dividends to net income (ytd only)* | 31.5188% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 51.6134% | 3,381 |
| Net loans and leases to deposits | 62.4932% | 3,150 |
| Net loans and leases to core deposits | 65.5963% | 3,149 |
| Total domestic deposits to total assets | 82.5905% | 3,794 |
| Equity capital to assets | 8.3235% | 4,342 |
| Core capital (leverage) ratio | 8.1780% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,126,333 | 2,621 |
| Average earning assets | $253,594,667 | 2,601 |
| Average equity | $23,065,000 | 3,005 |
| Average total loans | $148,411,667 | 2,702 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 1,444 |
| Cost of funding earning assets | 0.3918% | 2,159 |
| Net interest margin | 3.6841% | 1,370 |
| Noninterest income to average assets | 0.5947% | 2,235 |
| Noninterest expense to average assets | 2.7188% | 1,579 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3427% | 1,701 |
| Return on assets (ROA) | 1.3427% | 1,787 |
| Pretax return on assets | 1.3427% | 2,452 |
| Return on Equity (ROE) | 15.4309% | 1,129 |
| Retained earnings to average equity (ytd only) | 12.1878% | 1,104 |
| Net charge-offs to loans | 0.2033% | 403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 11.6447% | 1,445 |
| Efficiency ratio | 66.9406% | 2,092 |
| Assets per employee ($millions) | 5.2062% | 3,425 |
| Cash dividends to net income (ytd only)* | 21.0169% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 3,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 54.1962% | 3,221 |
| Net loans and leases to deposits | 65.4628% | 2,981 |
| Net loans and leases to core deposits | 68.7082% | 2,996 |
| Total domestic deposits to total assets | 82.7893% | 3,743 |
| Equity capital to assets | 8.2707% | 4,309 |
| Core capital (leverage) ratio | 8.4990% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,645,500 | 2,638 |
| Average earning assets | $248,092,000 | 2,627 |
| Average equity | $22,941,000 | 2,999 |
| Average total loans | $149,554,000 | 2,694 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1505% | 2,277 |
| Cost of funding earning assets | 0.5657% | 2,532 |
| Net interest margin | 3.5847% | 2,194 |
| Noninterest income to average assets | 0.7699% | 1,627 |
| Noninterest expense to average assets | 2.8621% | 1,782 |
| Loan and lease loss provision to assets | 0.0369% | 3,948 |
| Net operating income to assets | 1.2269% | 1,457 |
| Return on assets (ROA) | 1.2372% | 1,529 |
| Pretax return on assets | 1.2372% | 2,200 |
| Return on Equity (ROE) | 13.2471% | 984 |
| Retained earnings to average equity (ytd only) | 2.7477% | 3,486 |
| Net charge-offs to loans | -0.0045% | 4,105 |
| Credit loss provision to net charge-offs | -1,285.7143% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3691% | 2,039 |
| Assets per employee ($millions) | 4.7427% | 3,669 |
| Cash dividends to net income (ytd only)* | 79.2578% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 3,425 |
| Loan loss allowance to noncurrent loans | 89.8138% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 1,428 |
| Noncurrent loans to loans | 1.2338% | 1,127 |
| Net loans and leases to total assets | 58.2275% | 3,058 |
| Net loans and leases to deposits | 72.2880% | 2,654 |
| Net loans and leases to core deposits | 76.9983% | 2,635 |
| Total domestic deposits to total assets | 80.5493% | 3,951 |
| Equity capital to assets | 9.1743% | 3,911 |
| Core capital (leverage) ratio | 8.7175% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,943,000 | 2,624 |
| Average earning assets | $228,384,400 | 2,612 |
| Average equity | $22,782,400 | 2,954 |
| Average total loans | $154,416,400 | 2,623 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 1,931 |
| Cost of funding earning assets | 0.5999% | 2,617 |
| Net interest margin | 3.7694% | 1,711 |
| Noninterest income to average assets | 0.7837% | 1,561 |
| Noninterest expense to average assets | 2.9025% | 1,699 |
| Loan and lease loss provision to assets | 0.0442% | 3,803 |
| Net operating income to assets | 1.3637% | 1,191 |
| Return on assets (ROA) | 1.3774% | 1,250 |
| Pretax return on assets | 1.3774% | 1,802 |
| Return on Equity (ROE) | 14.6815% | 747 |
| Retained earnings to average equity (ytd only) | 10.5489% | 668 |
| Net charge-offs to loans | -0.0051% | 4,055 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3396% | 2,277 |
| Assets per employee ($millions) | 4.9775% | 3,277 |
| Cash dividends to net income (ytd only)* | 28.1487% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 3,562 |
| Loan loss allowance to noncurrent loans | 89.1566% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 1,622 |
| Noncurrent loans to loans | 1.1561% | 1,312 |
| Net loans and leases to total assets | 61.5786% | 3,061 |
| Net loans and leases to deposits | 78.4497% | 2,489 |
| Net loans and leases to core deposits | 84.1229% | 2,460 |
| Total domestic deposits to total assets | 78.4945% | 4,127 |
| Equity capital to assets | 9.5430% | 3,650 |
| Core capital (leverage) ratio | 9.0383% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,087,750 | 2,614 |
| Average earning assets | $226,484,500 | 2,605 |
| Average equity | $22,712,750 | 2,958 |
| Average total loans | $156,019,750 | 2,609 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6178% | 1,608 |
| Cost of funding earning assets | 0.6472% | 2,717 |
| Net interest margin | 3.9706% | 1,401 |
| Noninterest income to average assets | 0.6693% | 1,863 |
| Noninterest expense to average assets | 2.9097% | 1,800 |
| Loan and lease loss provision to assets | 0.0504% | 3,673 |
| Net operating income to assets | 1.4183% | 1,076 |
| Return on assets (ROA) | 1.4393% | 1,126 |
| Pretax return on assets | 1.4393% | 1,613 |
| Return on Equity (ROE) | 15.4354% | 644 |
| Retained earnings to average equity (ytd only) | 11.5901% | 513 |
| Net charge-offs to loans | -0.0064% | 4,082 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4557% | 2,452 |
| Assets per employee ($millions) | 5.0351% | 3,128 |
| Cash dividends to net income (ytd only)* | 24.9125% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 61.5916% | 3,163 |
| Net loans and leases to deposits | 77.7154% | 2,694 |
| Net loans and leases to core deposits | 82.9736% | 2,695 |
| Total domestic deposits to total assets | 79.2527% | 3,988 |
| Equity capital to assets | 9.1705% | 3,953 |
| Core capital (leverage) ratio | 8.8822% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,166,667 | 2,618 |
| Average earning assets | $222,487,000 | 2,607 |
| Average equity | $22,208,667 | 2,986 |
| Average total loans | $155,377,667 | 2,610 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 2,506 |
| Cost of funding earning assets | 0.6944% | 2,960 |
| Net interest margin | 3.7368% | 2,191 |
| Noninterest income to average assets | 0.7568% | 1,442 |
| Noninterest expense to average assets | 3.0325% | 1,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2043% | 1,502 |
| Return on assets (ROA) | 1.2078% | 1,604 |
| Pretax return on assets | 1.2078% | 2,167 |
| Return on Equity (ROE) | 12.8328% | 906 |
| Retained earnings to average equity (ytd only) | 9.4343% | 860 |
| Net charge-offs to loans | -0.0026% | 3,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5759% | 2,147 |
| Assets per employee ($millions) | 4.4940% | 3,268 |
| Cash dividends to net income (ytd only)* | 26.4834% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 64.7072% | 2,978 |
| Net loans and leases to deposits | 81.7929% | 2,478 |
| Net loans and leases to core deposits | 87.1474% | 2,584 |
| Total domestic deposits to total assets | 79.1110% | 4,033 |
| Equity capital to assets | 9.2170% | 4,455 |
| Core capital (leverage) ratio | 9.4328% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,855,000 | 2,640 |
| Average earning assets | $213,125,500 | 2,638 |
| Average equity | $21,538,500 | 3,020 |
| Average total loans | $153,182,500 | 2,610 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 2,937 |
| Cost of funding earning assets | 0.6389% | 3,460 |
| Net interest margin | 3.8621% | 2,297 |
| Noninterest income to average assets | 0.7554% | 1,607 |
| Noninterest expense to average assets | 3.1273% | 1,697 |
| Loan and lease loss provision to assets | 0.0359% | 3,293 |
| Net operating income to assets | 1.1846% | 2,115 |
| Return on assets (ROA) | 1.1873% | 2,203 |
| Pretax return on assets | 1.1873% | 2,881 |
| Return on Equity (ROE) | 12.4366% | 1,350 |
| Retained earnings to average equity (ytd only) | 2.5136% | 3,772 |
| Net charge-offs to loans | 0.0066% | 3,440 |
| Credit loss provision to net charge-offs | 800.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 272.1000% | 304 |
| Efficiency ratio | 71.9282% | 1,879 |
| Assets per employee ($millions) | 4.3926% | 3,381 |
| Cash dividends to net income (ytd only)* | 79.7884% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 67.8795% | 2,694 |
| Net loans and leases to deposits | 87.1073% | 1,955 |
| Net loans and leases to core deposits | 93.5503% | 2,112 |
| Total domestic deposits to total assets | 77.9263% | 4,372 |
| Equity capital to assets | 9.6142% | 4,260 |
| Core capital (leverage) ratio | 9.4785% | 4,085 |
| Tier 1 risk-based capital ratio | 14.3654% | 3,084 |
| Total risk-based capital ratio | 15.4151% | 3,095 |
| Memoranda: | ||
| Average total assets | $222,937,200 | 2,636 |
| Average earning assets | $207,373,600 | 2,633 |
| Average equity | $21,284,000 | 3,017 |
| Average total loans | $151,908,200 | 2,596 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 3,124 |
| Cost of funding earning assets | 0.6264% | 3,548 |
| Net interest margin | 3.8550% | 2,417 |
| Noninterest income to average assets | 0.7545% | 1,579 |
| Noninterest expense to average assets | 3.1311% | 1,636 |
| Loan and lease loss provision to assets | 0.0419% | 3,061 |
| Net operating income to assets | 1.1742% | 2,287 |
| Return on assets (ROA) | 1.1778% | 2,351 |
| Pretax return on assets | 1.1778% | 3,052 |
| Return on Equity (ROE) | 12.3588% | 1,498 |
| Retained earnings to average equity (ytd only) | 7.8978% | 1,442 |
| Net charge-offs to loans | -0.0062% | 4,258 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0248% | 1,832 |
| Assets per employee ($millions) | 4.3868% | 3,361 |
| Cash dividends to net income (ytd only)* | 36.0955% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,436 |
| Loan loss allowance to noncurrent loans | 8,157.8947% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,719 |
| Noncurrent loans to loans | 0.0126% | 4,621 |
| Net loans and leases to total assets | 68.2829% | 2,747 |
| Net loans and leases to deposits | 87.4121% | 2,008 |
| Net loans and leases to core deposits | 92.9100% | 2,278 |
| Total domestic deposits to total assets | 78.1161% | 4,322 |
| Equity capital to assets | 10.1149% | 3,901 |
| Core capital (leverage) ratio | 9.8657% | 3,772 |
| Tier 1 risk-based capital ratio | 15.3808% | 2,677 |
| Total risk-based capital ratio | 16.4725% | 2,680 |
| Memoranda: | ||
| Average total assets | $222,666,000 | 2,657 |
| Average earning assets | $207,517,500 | 2,653 |
| Average equity | $21,220,500 | 3,047 |
| Average total loans | $151,483,250 | 2,634 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4438% | 3,199 |
| Cost of funding earning assets | 0.6076% | 3,609 |
| Net interest margin | 3.8362% | 2,453 |
| Noninterest income to average assets | 0.7508% | 1,522 |
| Noninterest expense to average assets | 3.0906% | 1,756 |
| Loan and lease loss provision to assets | 0.0536% | 2,750 |
| Net operating income to assets | 1.1842% | 2,209 |
| Return on assets (ROA) | 1.1842% | 2,272 |
| Pretax return on assets | 1.1842% | 2,957 |
| Return on Equity (ROE) | 12.6802% | 1,342 |
| Retained earnings to average equity (ytd only) | 8.4886% | 1,211 |
| Net charge-offs to loans | -0.0092% | 4,303 |
| Credit loss provision to net charge-offs | -857.1429% | 4,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4020% | 2,003 |
| Assets per employee ($millions) | 4.3972% | 3,290 |
| Cash dividends to net income (ytd only)* | 33.0566% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,594 |
| Loan loss allowance to noncurrent loans | 6,695.6522% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 4,752 |
| Noncurrent loans to loans | 0.0150% | 4,652 |
| Net loans and leases to total assets | 67.6762% | 2,863 |
| Net loans and leases to deposits | 89.4971% | 1,799 |
| Net loans and leases to core deposits | 95.7322% | 2,098 |
| Total domestic deposits to total assets | 75.6184% | 4,711 |
| Equity capital to assets | 9.6781% | 4,250 |
| Core capital (leverage) ratio | 9.4847% | 4,158 |
| Tier 1 risk-based capital ratio | 14.2523% | 3,186 |
| Total risk-based capital ratio | 15.2747% | 3,220 |
| Memoranda: | ||
| Average total assets | $223,775,000 | 2,658 |
| Average earning assets | $208,694,330 | 2,650 |
| Average equity | $20,898,670 | 3,064 |
| Average total loans | $151,537,330 | 2,642 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4110% | 3,183 |
| Cost of funding earning assets | 0.5972% | 3,593 |
| Net interest margin | 3.8138% | 2,474 |
| Noninterest income to average assets | 0.7194% | 1,546 |
| Noninterest expense to average assets | 3.0904% | 1,755 |
| Loan and lease loss provision to assets | 0.0537% | 2,588 |
| Net operating income to assets | 1.1291% | 2,354 |
| Return on assets (ROA) | 1.1291% | 2,401 |
| Pretax return on assets | 1.1291% | 3,044 |
| Return on Equity (ROE) | 12.3146% | 1,438 |
| Retained earnings to average equity (ytd only) | 9.0749% | 1,295 |
| Net charge-offs to loans | -0.0133% | 4,336 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3199% | 1,984 |
| Assets per employee ($millions) | 4.3598% | 3,403 |
| Cash dividends to net income (ytd only)* | 26.3074% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 3,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 66.3235% | 3,003 |
| Net loans and leases to deposits | 87.6249% | 1,919 |
| Net loans and leases to core deposits | 93.2841% | 2,188 |
| Total domestic deposits to total assets | 75.6902% | 4,795 |
| Equity capital to assets | 9.2128% | 4,520 |
| Core capital (leverage) ratio | 9.4382% | 4,215 |
| Tier 1 risk-based capital ratio | 13.9705% | 3,351 |
| Total risk-based capital ratio | 14.9716% | 3,399 |
| Memoranda: | ||
| Average total assets | $223,533,000 | 2,695 |
| Average earning assets | $208,298,000 | 2,682 |
| Average equity | $20,496,000 | 3,113 |
| Average total loans | $150,651,000 | 2,682 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 3,556 |
| Cost of funding earning assets | 0.4926% | 3,404 |
| Net interest margin | 3.6661% | 3,170 |
| Noninterest income to average assets | 0.8293% | 1,373 |
| Noninterest expense to average assets | 3.0655% | 1,879 |
| Loan and lease loss provision to assets | 0.0544% | 3,081 |
| Net operating income to assets | 1.1296% | 2,477 |
| Return on assets (ROA) | 1.1296% | 2,476 |
| Pretax return on assets | 1.1296% | 3,172 |
| Return on Equity (ROE) | 12.3883% | 1,584 |
| Retained earnings to average equity (ytd only) | 2.4478% | 4,163 |
| Net charge-offs to loans | 0.0170% | 3,123 |
| Credit loss provision to net charge-offs | 480.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 104.4000% | 722 |
| Efficiency ratio | 72.1362% | 1,874 |
| Assets per employee ($millions) | 4.1577% | 3,675 |
| Cash dividends to net income (ytd only)* | 80.2410% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 3,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 67.1454% | 2,980 |
| Net loans and leases to deposits | 87.4009% | 2,127 |
| Net loans and leases to core deposits | 92.2502% | 2,386 |
| Total domestic deposits to total assets | 76.8246% | 4,654 |
| Equity capital to assets | 9.1242% | 4,471 |
| Core capital (leverage) ratio | 9.3601% | 4,288 |
| Tier 1 risk-based capital ratio | 13.9701% | 3,300 |
| Total risk-based capital ratio | 14.9699% | 3,352 |
| Memoranda: | ||
| Average total assets | $220,423,800 | 2,693 |
| Average earning assets | $205,643,000 | 2,673 |
| Average equity | $20,099,600 | 3,077 |
| Average total loans | $147,422,200 | 2,675 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1126% | 3,591 |
| Cost of funding earning assets | 0.4734% | 3,371 |
| Net interest margin | 3.6392% | 3,229 |
| Noninterest income to average assets | 0.8462% | 1,336 |
| Noninterest expense to average assets | 3.0762% | 1,823 |
| Loan and lease loss provision to assets | 0.0544% | 2,880 |
| Net operating income to assets | 1.1147% | 2,605 |
| Return on assets (ROA) | 1.1147% | 2,619 |
| Pretax return on assets | 1.1147% | 3,338 |
| Return on Equity (ROE) | 12.2264% | 1,715 |
| Retained earnings to average equity (ytd only) | 7.3107% | 1,967 |
| Net charge-offs to loans | 0.0245% | 2,637 |
| Credit loss provision to net charge-offs | 333.3333% | 939 |
| Earnings coverage of net charge-offs (x) | 71.5908% | 940 |
| Efficiency ratio | 72.4605% | 1,814 |
| Assets per employee ($millions) | 4.1742% | 3,607 |
| Cash dividends to net income (ytd only)* | 40.2064% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 3,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,975 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 66.6088% | 3,111 |
| Net loans and leases to deposits | 87.0315% | 2,257 |
| Net loans and leases to core deposits | 92.1597% | 2,466 |
| Total domestic deposits to total assets | 76.5341% | 4,723 |
| Equity capital to assets | 9.4195% | 4,166 |
| Core capital (leverage) ratio | 9.6544% | 3,989 |
| Tier 1 risk-based capital ratio | 14.6764% | 3,030 |
| Total risk-based capital ratio | 15.6751% | 3,075 |
| Memoranda: | ||
| Average total assets | $220,440,000 | 2,704 |
| Average earning assets | $205,899,500 | 2,685 |
| Average equity | $20,098,000 | 3,106 |
| Average total loans | $146,919,250 | 2,692 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0543% | 3,598 |
| Cost of funding earning assets | 0.4504% | 3,357 |
| Net interest margin | 3.6039% | 3,293 |
| Noninterest income to average assets | 0.8512% | 1,318 |
| Noninterest expense to average assets | 3.0338% | 1,958 |
| Loan and lease loss provision to assets | 0.0542% | 2,825 |
| Net operating income to assets | 1.1292% | 2,478 |
| Return on assets (ROA) | 1.1292% | 2,485 |
| Pretax return on assets | 1.1292% | 3,195 |
| Return on Equity (ROE) | 12.5213% | 1,536 |
| Retained earnings to average equity (ytd only) | 7.8871% | 1,673 |
| Net charge-offs to loans | 0.0177% | 2,559 |
| Credit loss provision to net charge-offs | 461.5385% | 740 |
| Earnings coverage of net charge-offs (x) | 100.8462% | 691 |
| Efficiency ratio | 71.9392% | 2,018 |
| Assets per employee ($millions) | 4.2421% | 3,513 |
| Cash dividends to net income (ytd only)* | 37.0104% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,973 |
| Loan loss allowance to noncurrent loans | 3,750.0000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 4,804 |
| Noncurrent loans to loans | 0.0261% | 4,810 |
| Net loans and leases to total assets | 65.4752% | 3,212 |
| Net loans and leases to deposits | 85.8610% | 2,333 |
| Net loans and leases to core deposits | 91.7057% | 2,425 |
| Total domestic deposits to total assets | 76.2572% | 4,833 |
| Equity capital to assets | 9.1795% | 4,399 |
| Core capital (leverage) ratio | 9.4914% | 4,123 |
| Tier 1 risk-based capital ratio | 14.2793% | 3,216 |
| Total risk-based capital ratio | 15.2539% | 3,278 |
| Memoranda: | ||
| Average total assets | $221,566,670 | 2,718 |
| Average earning assets | $206,941,670 | 2,696 |
| Average equity | $19,982,000 | 3,136 |
| Average total loans | $147,218,000 | 2,702 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9513% | 3,781 |
| Cost of funding earning assets | 0.4215% | 3,432 |
| Net interest margin | 3.5298% | 3,425 |
| Noninterest income to average assets | 0.7277% | 1,710 |
| Noninterest expense to average assets | 2.9578% | 2,184 |
| Loan and lease loss provision to assets | 0.0540% | 2,685 |
| Net operating income to assets | 1.0196% | 2,783 |
| Return on assets (ROA) | 1.0196% | 2,802 |
| Pretax return on assets | 1.0196% | 3,465 |
| Return on Equity (ROE) | 11.4064% | 1,803 |
| Retained earnings to average equity (ytd only) | 6.9325% | 2,307 |
| Net charge-offs to loans | -0.0054% | 4,038 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3691% | 1,987 |
| Assets per employee ($millions) | 4.5020% | 3,152 |
| Cash dividends to net income (ytd only)* | 39.2226% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 4,125 |
| Loan loss allowance to noncurrent loans | 1,355.7692% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 4,876 |
| Noncurrent loans to loans | 0.0714% | 4,660 |
| Net loans and leases to total assets | 64.0435% | 3,299 |
| Net loans and leases to deposits | 82.8127% | 2,517 |
| Net loans and leases to core deposits | 89.4266% | 2,498 |
| Total domestic deposits to total assets | 77.3354% | 4,825 |
| Equity capital to assets | 8.8196% | 4,722 |
| Core capital (leverage) ratio | 9.1986% | 4,434 |
| Tier 1 risk-based capital ratio | 13.9246% | 3,416 |
| Total risk-based capital ratio | 14.8855% | 3,494 |
| Memoranda: | ||
| Average total assets | $222,055,500 | 2,737 |
| Average earning assets | $207,829,500 | 2,715 |
| Average equity | $19,848,500 | 3,173 |
| Average total loans | $147,899,000 | 2,714 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 3,417 |
| Cost of funding earning assets | 0.3394% | 3,804 |
| Net interest margin | 3.6559% | 2,968 |
| Noninterest income to average assets | 0.7780% | 1,648 |
| Noninterest expense to average assets | 2.9773% | 2,225 |
| Loan and lease loss provision to assets | 0.0907% | 2,380 |
| Net operating income to assets | 1.1262% | 1,766 |
| Return on assets (ROA) | 1.1262% | 1,794 |
| Pretax return on assets | 1.1262% | 3,077 |
| Return on Equity (ROE) | 12.0684% | 1,196 |
| Retained earnings to average equity (ytd only) | 2.7792% | 3,644 |
| Net charge-offs to loans | 0.0189% | 3,472 |
| Credit loss provision to net charge-offs | 742.3077% | 448 |
| Earnings coverage of net charge-offs (x) | 99.6154% | 648 |
| Efficiency ratio | 70.9869% | 2,403 |
| Assets per employee ($millions) | 4.4696% | 3,242 |
| Cash dividends to net income (ytd only)* | 76.9712% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 4,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 67.9637% | 2,822 |
| Net loans and leases to deposits | 89.8390% | 1,796 |
| Net loans and leases to core deposits | 96.7853% | 1,962 |
| Total domestic deposits to total assets | 75.6505% | 5,019 |
| Equity capital to assets | 9.0607% | 4,657 |
| Core capital (leverage) ratio | 8.7381% | 4,916 |
| Tier 1 risk-based capital ratio | 13.4149% | 3,679 |
| Total risk-based capital ratio | 14.3351% | 3,766 |
| Memoranda: | ||
| Average total assets | $212,841,400 | 2,792 |
| Average earning assets | $198,886,000 | 2,777 |
| Average equity | $19,861,800 | 3,162 |
| Average total loans | $137,594,800 | 2,815 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 3,520 |
| Cost of funding earning assets | 0.3152% | 3,984 |
| Net interest margin | 3.6346% | 3,018 |
| Noninterest income to average assets | 0.7755% | 1,680 |
| Noninterest expense to average assets | 3.0124% | 2,079 |
| Loan and lease loss provision to assets | 0.0839% | 2,415 |
| Net operating income to assets | 1.0771% | 2,196 |
| Return on assets (ROA) | 1.0771% | 2,242 |
| Pretax return on assets | 1.0771% | 3,394 |
| Return on Equity (ROE) | 11.4563% | 1,503 |
| Retained earnings to average equity (ytd only) | 6.4295% | 1,996 |
| Net charge-offs to loans | 0.0278% | 2,880 |
| Credit loss provision to net charge-offs | 475.0000% | 673 |
| Earnings coverage of net charge-offs (x) | 65.7185% | 940 |
| Efficiency ratio | 72.1802% | 2,178 |
| Assets per employee ($millions) | 4.4793% | 3,179 |
| Cash dividends to net income (ytd only)* | 43.8781% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 4,512 |
| Loan loss allowance to noncurrent loans | 6,580.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 5,222 |
| Noncurrent loans to loans | 0.0139% | 5,083 |
| Net loans and leases to total assets | 65.1401% | 3,225 |
| Net loans and leases to deposits | 85.3230% | 2,390 |
| Net loans and leases to core deposits | 92.1997% | 2,418 |
| Total domestic deposits to total assets | 76.3453% | 4,978 |
| Equity capital to assets | 9.3413% | 4,603 |
| Core capital (leverage) ratio | 9.5383% | 4,110 |
| Tier 1 risk-based capital ratio | 13.9828% | 3,447 |
| Total risk-based capital ratio | 14.8806% | 3,551 |
| Memoranda: | ||
| Average total assets | $211,299,000 | 2,830 |
| Average earning assets | $197,539,750 | 2,819 |
| Average equity | $19,866,250 | 3,181 |
| Average total loans | $134,437,000 | 2,873 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 3,419 |
| Cost of funding earning assets | 0.2934% | 4,145 |
| Net interest margin | 3.6439% | 2,859 |
| Noninterest income to average assets | 0.8103% | 1,535 |
| Noninterest expense to average assets | 3.0445% | 1,995 |
| Loan and lease loss provision to assets | 0.0930% | 2,132 |
| Net operating income to assets | 1.0788% | 2,089 |
| Return on assets (ROA) | 1.0788% | 2,133 |
| Pretax return on assets | 1.0788% | 3,268 |
| Return on Equity (ROE) | 11.4481% | 1,477 |
| Retained earnings to average equity (ytd only) | 6.6450% | 1,772 |
| Net charge-offs to loans | 0.0335% | 2,523 |
| Credit loss provision to net charge-offs | 440.9091% | 731 |
| Earnings coverage of net charge-offs (x) | 55.5455% | 997 |
| Efficiency ratio | 72.2083% | 2,300 |
| Assets per employee ($millions) | 4.0723% | 3,843 |
| Cash dividends to net income (ytd only)* | 41.9556% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 4,472 |
| Loan loss allowance to noncurrent loans | 2,217.2414% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 4,974 |
| Noncurrent loans to loans | 0.0424% | 4,986 |
| Net loans and leases to total assets | 64.0181% | 3,381 |
| Net loans and leases to deposits | 84.2370% | 2,440 |
| Net loans and leases to core deposits | 90.2666% | 2,494 |
| Total domestic deposits to total assets | 75.9976% | 5,093 |
| Equity capital to assets | 9.5466% | 4,366 |
| Core capital (leverage) ratio | 9.5615% | 4,057 |
| Tier 1 risk-based capital ratio | 13.9958% | 3,427 |
| Total risk-based capital ratio | 14.8861% | 3,541 |
| Memoranda: | ||
| Average total assets | $208,569,670 | 2,871 |
| Average earning assets | $194,954,330 | 2,855 |
| Average equity | $19,654,000 | 3,194 |
| Average total loans | $131,152,670 | 2,930 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8237% | 3,679 |
| Cost of funding earning assets | 0.2814% | 4,241 |
| Net interest margin | 3.5423% | 3,108 |
| Noninterest income to average assets | 0.8156% | 1,497 |
| Noninterest expense to average assets | 3.0439% | 2,034 |
| Loan and lease loss provision to assets | 0.0696% | 2,421 |
| Net operating income to assets | 1.0108% | 2,261 |
| Return on assets (ROA) | 1.0108% | 2,313 |
| Pretax return on assets | 1.0108% | 3,317 |
| Return on Equity (ROE) | 10.7985% | 1,644 |
| Retained earnings to average equity (ytd only) | 6.5039% | 2,077 |
| Net charge-offs to loans | 0.0717% | 1,613 |
| Credit loss provision to net charge-offs | 156.5217% | 1,184 |
| Earnings coverage of net charge-offs (x) | 24.3043% | 1,366 |
| Efficiency ratio | 73.8051% | 2,261 |
| Assets per employee ($millions) | 4.3311% | 3,453 |
| Cash dividends to net income (ytd only)* | 39.7706% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 4,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 5,196 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 60.8673% | 3,691 |
| Net loans and leases to deposits | 79.2499% | 2,838 |
| Net loans and leases to core deposits | 84.5956% | 2,848 |
| Total domestic deposits to total assets | 76.8042% | 5,142 |
| Equity capital to assets | 9.2327% | 4,582 |
| Core capital (leverage) ratio | 9.5852% | 4,023 |
| Tier 1 risk-based capital ratio | 13.9366% | 3,519 |
| Total risk-based capital ratio | 14.7959% | 3,658 |
| Memoranda: | ||
| Average total assets | $206,973,500 | 2,916 |
| Average earning assets | $193,321,000 | 2,894 |
| Average equity | $19,373,000 | 3,243 |
| Average total loans | $128,303,000 | 2,987 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6713% | 4,305 |
| Cost of funding earning assets | 0.2338% | 4,707 |
| Net interest margin | 3.4375% | 3,675 |
| Noninterest income to average assets | 1.0561% | 1,009 |
| Noninterest expense to average assets | 2.9500% | 2,500 |
| Loan and lease loss provision to assets | 0.1058% | 2,282 |
| Net operating income to assets | 1.2049% | 1,493 |
| Return on assets (ROA) | 1.2400% | 1,465 |
| Pretax return on assets | 1.2400% | 2,515 |
| Return on Equity (ROE) | 12.7110% | 1,067 |
| Retained earnings to average equity (ytd only) | 2.9434% | 3,800 |
| Net charge-offs to loans | -0.0026% | 4,735 |
| Credit loss provision to net charge-offs | -7,133.3333% | 5,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2379% | 3,031 |
| Assets per employee ($millions) | 4.0345% | 3,904 |
| Cash dividends to net income (ytd only)* | 76.8434% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 4,529 |
| Loan loss allowance to noncurrent loans | 1,376.1364% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 5,174 |
| Noncurrent loans to loans | 0.0697% | 4,958 |
| Net loans and leases to total assets | 61.9642% | 3,613 |
| Net loans and leases to deposits | 77.9729% | 3,110 |
| Net loans and leases to core deposits | 84.2575% | 3,001 |
| Total domestic deposits to total assets | 79.4689% | 4,684 |
| Equity capital to assets | 9.4942% | 4,276 |
| Core capital (leverage) ratio | 9.7246% | 3,828 |
| Tier 1 risk-based capital ratio | 14.3021% | 3,282 |
| Total risk-based capital ratio | 15.1887% | 3,412 |
| Memoranda: | ||
| Average total assets | $202,342,000 | 2,931 |
| Average earning assets | $188,627,200 | 2,908 |
| Average equity | $19,738,800 | 3,197 |
| Average total loans | $113,874,800 | 3,158 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5484% | 4,681 |
| Cost of funding earning assets | 0.2218% | 4,870 |
| Net interest margin | 3.3267% | 4,108 |
| Noninterest income to average assets | 1.1463% | 875 |
| Noninterest expense to average assets | 2.9221% | 2,569 |
| Loan and lease loss provision to assets | 0.0685% | 2,852 |
| Net operating income to assets | 1.2569% | 1,426 |
| Return on assets (ROA) | 1.2951% | 1,410 |
| Pretax return on assets | 1.2951% | 2,447 |
| Return on Equity (ROE) | 13.1885% | 1,001 |
| Retained earnings to average equity (ytd only) | 9.5612% | 671 |
| Net charge-offs to loans | 0.0048% | 3,744 |
| Credit loss provision to net charge-offs | 2,600.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 503.5516% | 178 |
| Efficiency ratio | 68.7955% | 3,081 |
| Assets per employee ($millions) | 4.1162% | 3,759 |
| Cash dividends to net income (ytd only)* | 27.5040% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 4,826 |
| Loan loss allowance to noncurrent loans | 951.3043% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 5,224 |
| Noncurrent loans to loans | 0.0960% | 4,960 |
| Net loans and leases to total assets | 58.8389% | 4,009 |
| Net loans and leases to deposits | 74.4299% | 3,555 |
| Net loans and leases to core deposits | 79.6374% | 3,484 |
| Total domestic deposits to total assets | 79.0528% | 4,709 |
| Equity capital to assets | 10.2636% | 3,840 |
| Core capital (leverage) ratio | 10.0568% | 3,495 |
| Tier 1 risk-based capital ratio | 15.4383% | 2,854 |
| Total risk-based capital ratio | 16.2669% | 2,976 |
| Memoranda: | ||
| Average total assets | $202,496,750 | 2,940 |
| Average earning assets | $188,773,250 | 2,921 |
| Average equity | $19,885,500 | 3,206 |
| Average total loans | $110,791,750 | 3,215 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5124% | 4,833 |
| Cost of funding earning assets | 0.2120% | 5,022 |
| Net interest margin | 3.3004% | 4,230 |
| Noninterest income to average assets | 1.3059% | 670 |
| Noninterest expense to average assets | 2.9206% | 2,612 |
| Loan and lease loss provision to assets | 0.0582% | 2,976 |
| Net operating income to assets | 1.3987% | 1,059 |
| Return on assets (ROA) | 1.4095% | 1,100 |
| Pretax return on assets | 1.4095% | 1,987 |
| Return on Equity (ROE) | 14.5715% | 737 |
| Retained earnings to average equity (ytd only) | 9.6157% | 681 |
| Net charge-offs to loans | 0.0056% | 3,503 |
| Credit loss provision to net charge-offs | 1,966.6667% | 213 |
| Earnings coverage of net charge-offs (x) | 492.3333% | 138 |
| Efficiency ratio | 66.7192% | 3,575 |
| Assets per employee ($millions) | 4.1808% | 3,600 |
| Cash dividends to net income (ytd only)* | 34.0098% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 4,796 |
| Loan loss allowance to noncurrent loans | 1,039.6040% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 5,363 |
| Noncurrent loans to loans | 0.0906% | 5,089 |
| Net loans and leases to total assets | 53.8775% | 4,523 |
| Net loans and leases to deposits | 67.6144% | 4,217 |
| Net loans and leases to core deposits | 73.4224% | 4,043 |
| Total domestic deposits to total assets | 79.6836% | 4,631 |
| Equity capital to assets | 9.9332% | 4,306 |
| Core capital (leverage) ratio | 9.7323% | 3,890 |
| Tier 1 risk-based capital ratio | 15.1400% | 3,012 |
| Total risk-based capital ratio | 15.9388% | 3,156 |
| Memoranda: | ||
| Average total assets | $202,764,670 | 2,954 |
| Average earning assets | $188,701,670 | 2,942 |
| Average equity | $19,613,670 | 3,238 |
| Average total loans | $107,799,670 | 3,274 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4664% | 4,966 |
| Cost of funding earning assets | 0.2040% | 5,163 |
| Net interest margin | 3.2623% | 4,351 |
| Noninterest income to average assets | 0.8071% | 1,596 |
| Noninterest expense to average assets | 2.8694% | 2,816 |
| Loan and lease loss provision to assets | 0.0278% | 3,296 |
| Net operating income to assets | 0.9538% | 2,496 |
| Return on assets (ROA) | 0.9657% | 2,543 |
| Pretax return on assets | 0.9657% | 3,593 |
| Return on Equity (ROE) | 10.1216% | 1,938 |
| Retained earnings to average equity (ytd only) | 5.7986% | 2,471 |
| Net charge-offs to loans | -0.0075% | 4,417 |
| Credit loss provision to net charge-offs | -700.0000% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5108% | 2,399 |
| Assets per employee ($millions) | 4.1469% | 3,676 |
| Cash dividends to net income (ytd only)* | 42.7105% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 4,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 52.8152% | 4,547 |
| Net loans and leases to deposits | 64.2925% | 4,418 |
| Net loans and leases to core deposits | 70.1968% | 4,232 |
| Total domestic deposits to total assets | 82.1484% | 4,173 |
| Equity capital to assets | 9.5986% | 4,568 |
| Core capital (leverage) ratio | 9.5252% | 4,144 |
| Tier 1 risk-based capital ratio | 15.0944% | 3,111 |
| Total risk-based capital ratio | 15.8869% | 3,262 |
| Memoranda: | ||
| Average total assets | $201,717,500 | 2,972 |
| Average earning assets | $188,208,000 | 2,957 |
| Average equity | $19,246,000 | 3,278 |
| Average total loans | $105,988,000 | 3,318 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4057% | 5,145 |
| Cost of funding earning assets | 0.1636% | 5,580 |
| Net interest margin | 3.2421% | 4,499 |
| Noninterest income to average assets | 0.8382% | 1,646 |
| Noninterest expense to average assets | 2.8053% | 3,203 |
| Loan and lease loss provision to assets | 0.0319% | 3,728 |
| Net operating income to assets | 1.0252% | 2,235 |
| Return on assets (ROA) | 1.0336% | 2,285 |
| Pretax return on assets | 1.0336% | 3,332 |
| Return on Equity (ROE) | 11.0489% | 1,596 |
| Retained earnings to average equity (ytd only) | 2.0513% | 4,563 |
| Net charge-offs to loans | 0.0397% | 3,436 |
| Credit loss provision to net charge-offs | 166.6667% | 1,617 |
| Earnings coverage of net charge-offs (x) | 55.2308% | 934 |
| Efficiency ratio | 72.6302% | 2,803 |
| Assets per employee ($millions) | 4.0865% | 3,782 |
| Cash dividends to net income (ytd only)* | 81.4340% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 4,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 51.2655% | 4,753 |
| Net loans and leases to deposits | 62.4106% | 4,604 |
| Net loans and leases to core deposits | 67.0781% | 4,501 |
| Total domestic deposits to total assets | 82.1423% | 4,135 |
| Equity capital to assets | 9.4827% | 4,572 |
| Core capital (leverage) ratio | 9.4964% | 4,172 |
| Tier 1 risk-based capital ratio | 15.1925% | 3,083 |
| Total risk-based capital ratio | 15.9891% | 3,238 |
| Memoranda: | ||
| Average total assets | $203,760,200 | 2,905 |
| Average earning assets | $190,061,000 | 2,891 |
| Average equity | $19,060,800 | 3,256 |
| Average total loans | $98,149,800 | 3,419 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3789% | 5,251 |
| Cost of funding earning assets | 0.1564% | 5,735 |
| Net interest margin | 3.2225% | 4,600 |
| Noninterest income to average assets | 0.8346% | 1,673 |
| Noninterest expense to average assets | 2.8042% | 3,170 |
| Loan and lease loss provision to assets | 0.0228% | 3,817 |
| Net operating income to assets | 1.0144% | 2,398 |
| Return on assets (ROA) | 1.0262% | 2,433 |
| Pretax return on assets | 1.0262% | 3,516 |
| Return on Equity (ROE) | 11.0066% | 1,709 |
| Retained earnings to average equity (ytd only) | 5.6535% | 2,483 |
| Net charge-offs to loans | 0.0496% | 2,906 |
| Credit loss provision to net charge-offs | 97.2222% | 2,347 |
| Earnings coverage of net charge-offs (x) | 44.2210% | 1,142 |
| Efficiency ratio | 72.9986% | 2,718 |
| Assets per employee ($millions) | 4.0845% | 3,731 |
| Cash dividends to net income (ytd only)* | 48.6350% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 4,874 |
| Loan loss allowance to noncurrent loans | 5,372.2222% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 5,711 |
| Noncurrent loans to loans | 0.0181% | 5,568 |
| Net loans and leases to total assets | 49.1728% | 5,002 |
| Net loans and leases to deposits | 58.9461% | 4,924 |
| Net loans and leases to core deposits | 61.7728% | 4,955 |
| Total domestic deposits to total assets | 83.4200% | 3,644 |
| Equity capital to assets | 9.7587% | 4,434 |
| Core capital (leverage) ratio | 9.4579% | 4,356 |
| Tier 1 risk-based capital ratio | 15.7510% | 2,921 |
| Total risk-based capital ratio | 16.5371% | 3,085 |
| Memoranda: | ||
| Average total assets | $204,640,750 | 2,929 |
| Average earning assets | $190,943,250 | 2,904 |
| Average equity | $19,079,000 | 3,288 |
| Average total loans | $96,775,500 | 3,474 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3520% | 5,333 |
| Cost of funding earning assets | 0.1518% | 5,831 |
| Net interest margin | 3.2002% | 4,661 |
| Noninterest income to average assets | 0.8179% | 1,706 |
| Noninterest expense to average assets | 2.7719% | 3,347 |
| Loan and lease loss provision to assets | 0.0243% | 3,650 |
| Net operating income to assets | 1.0071% | 2,355 |
| Return on assets (ROA) | 1.0071% | 2,463 |
| Pretax return on assets | 1.0071% | 3,561 |
| Return on Equity (ROE) | 10.9677% | 1,691 |
| Retained earnings to average equity (ytd only) | 5.8114% | 2,351 |
| Net charge-offs to loans | 0.0772% | 2,285 |
| Credit loss provision to net charge-offs | 67.5676% | 2,494 |
| Earnings coverage of net charge-offs (x) | 28.7297% | 1,400 |
| Efficiency ratio | 72.8827% | 2,859 |
| Assets per employee ($millions) | 4.2236% | 3,425 |
| Cash dividends to net income (ytd only)* | 47.0135% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 4,988 |
| Loan loss allowance to noncurrent loans | 5,031.5789% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 5,808 |
| Noncurrent loans to loans | 0.0194% | 5,685 |
| Net loans and leases to total assets | 47.9182% | 5,112 |
| Net loans and leases to deposits | 57.8228% | 5,007 |
| Net loans and leases to core deposits | 60.8397% | 5,022 |
| Total domestic deposits to total assets | 82.8707% | 3,997 |
| Equity capital to assets | 9.4616% | 4,696 |
| Core capital (leverage) ratio | 9.3058% | 4,546 |
| Tier 1 risk-based capital ratio | 14.4489% | 3,666 |
| Total risk-based capital ratio | 15.1715% | 3,907 |
| Memoranda: | ||
| Average total assets | $206,141,330 | 2,936 |
| Average earning assets | $192,300,330 | 2,909 |
| Average equity | $18,928,330 | 3,326 |
| Average total loans | $95,907,000 | 3,513 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2742% | 5,506 |
| Cost of funding earning assets | 0.1527% | 5,913 |
| Net interest margin | 3.1216% | 4,876 |
| Noninterest income to average assets | 0.8218% | 1,627 |
| Noninterest expense to average assets | 2.7386% | 3,458 |
| Loan and lease loss provision to assets | 0.0192% | 3,464 |
| Net operating income to assets | 0.9757% | 2,361 |
| Return on assets (ROA) | 0.9757% | 2,494 |
| Pretax return on assets | 0.9757% | 3,578 |
| Return on Equity (ROE) | 10.7864% | 1,699 |
| Retained earnings to average equity (ytd only) | 5.5953% | 2,723 |
| Net charge-offs to loans | 0.1645% | 1,289 |
| Credit loss provision to net charge-offs | 25.6410% | 2,308 |
| Earnings coverage of net charge-offs (x) | 13.2564% | 1,735 |
| Efficiency ratio | 73.3505% | 2,934 |
| Assets per employee ($millions) | 4.3877% | 3,217 |
| Cash dividends to net income (ytd only)* | 48.1262% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 5,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 5,908 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 44.6166% | 5,297 |
| Net loans and leases to deposits | 53.5495% | 5,228 |
| Net loans and leases to core deposits | 56.6486% | 5,212 |
| Total domestic deposits to total assets | 83.3185% | 4,076 |
| Equity capital to assets | 9.0357% | 5,247 |
| Core capital (leverage) ratio | 8.9694% | 4,986 |
| Tier 1 risk-based capital ratio | 15.2705% | 3,283 |
| Total risk-based capital ratio | 16.0321% | 3,483 |
| Memoranda: | ||
| Average total assets | $207,844,500 | 2,934 |
| Average earning assets | $193,878,000 | 2,908 |
| Average equity | $18,801,500 | 3,356 |
| Average total loans | $94,809,000 | 3,549 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4270% | 5,472 |
| Cost of funding earning assets | 0.1746% | 5,944 |
| Net interest margin | 3.2523% | 4,744 |
| Noninterest income to average assets | 0.8602% | 1,644 |
| Noninterest expense to average assets | 2.8686% | 3,244 |
| Loan and lease loss provision to assets | 0.0124% | 4,371 |
| Net operating income to assets | 0.9933% | 2,418 |
| Return on assets (ROA) | 1.0186% | 2,378 |
| Pretax return on assets | 1.0186% | 3,427 |
| Return on Equity (ROE) | 11.2277% | 1,645 |
| Retained earnings to average equity (ytd only) | 1.8932% | 4,858 |
| Net charge-offs to loans | -0.0235% | 5,732 |
| Credit loss provision to net charge-offs | -113.6364% | 5,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0423% | 2,828 |
| Assets per employee ($millions) | 4.4582% | 3,102 |
| Cash dividends to net income (ytd only)* | 83.1384% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 4,937 |
| Loan loss allowance to noncurrent loans | 1,668.9655% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 5,932 |
| Noncurrent loans to loans | 0.0612% | 5,634 |
| Net loans and leases to total assets | 45.7112% | 5,353 |
| Net loans and leases to deposits | 54.3280% | 5,307 |
| Net loans and leases to core deposits | 57.1903% | 5,296 |
| Total domestic deposits to total assets | 84.1393% | 3,649 |
| Equity capital to assets | 9.0565% | 5,228 |
| Core capital (leverage) ratio | 9.2158% | 4,654 |
| Tier 1 risk-based capital ratio | 16.4040% | 2,761 |
| Total risk-based capital ratio | 17.2592% | 2,902 |
| Memoranda: | ||
| Average total assets | $201,457,600 | 2,966 |
| Average earning assets | $186,696,000 | 2,952 |
| Average equity | $18,276,200 | 3,369 |
| Average total loans | $93,723,600 | 3,555 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4357% | 5,528 |
| Cost of funding earning assets | 0.1775% | 6,011 |
| Net interest margin | 3.2583% | 4,771 |
| Noninterest income to average assets | 0.8696% | 1,627 |
| Noninterest expense to average assets | 2.8820% | 3,188 |
| Loan and lease loss provision to assets | 0.0100% | 4,224 |
| Net operating income to assets | 0.9926% | 2,482 |
| Return on assets (ROA) | 1.0265% | 2,397 |
| Pretax return on assets | 1.0265% | 3,485 |
| Return on Equity (ROE) | 11.3099% | 1,680 |
| Retained earnings to average equity (ytd only) | 5.8820% | 2,477 |
| Net charge-offs to loans | -0.0271% | 5,706 |
| Credit loss provision to net charge-offs | -78.9474% | 5,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1913% | 2,790 |
| Assets per employee ($millions) | 4.1476% | 3,567 |
| Cash dividends to net income (ytd only)* | 47.9923% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 5,166 |
| Loan loss allowance to noncurrent loans | 1,646.5517% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 6,054 |
| Noncurrent loans to loans | 0.0614% | 5,769 |
| Net loans and leases to total assets | 47.0053% | 5,294 |
| Net loans and leases to deposits | 55.7996% | 5,256 |
| Net loans and leases to core deposits | 59.0629% | 5,260 |
| Total domestic deposits to total assets | 84.2395% | 3,667 |
| Equity capital to assets | 9.4517% | 4,856 |
| Core capital (leverage) ratio | 9.5877% | 4,264 |
| Tier 1 risk-based capital ratio | 17.0007% | 2,624 |
| Total risk-based capital ratio | 17.8542% | 2,725 |
| Memoranda: | ||
| Average total assets | $200,552,250 | 3,009 |
| Average earning assets | $185,575,500 | 2,990 |
| Average equity | $18,202,000 | 3,394 |
| Average total loans | $93,476,500 | 3,598 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4012% | 5,616 |
| Cost of funding earning assets | 0.1829% | 6,052 |
| Net interest margin | 3.2183% | 4,881 |
| Noninterest income to average assets | 0.8675% | 1,597 |
| Noninterest expense to average assets | 2.8850% | 3,220 |
| Loan and lease loss provision to assets | 0.0149% | 3,963 |
| Net operating income to assets | 0.9431% | 2,581 |
| Return on assets (ROA) | 0.9938% | 2,418 |
| Pretax return on assets | 0.9938% | 3,502 |
| Return on Equity (ROE) | 11.1019% | 1,712 |
| Retained earnings to average equity (ytd only) | 5.9565% | 2,348 |
| Net charge-offs to loans | -0.0236% | 5,595 |
| Credit loss provision to net charge-offs | -136.3636% | 5,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0712% | 2,799 |
| Assets per employee ($millions) | 4.1733% | 3,508 |
| Cash dividends to net income (ytd only)* | 46.3463% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 5,380 |
| Loan loss allowance to noncurrent loans | 1,632.7586% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 6,125 |
| Noncurrent loans to loans | 0.0609% | 5,848 |
| Net loans and leases to total assets | 47.0934% | 5,256 |
| Net loans and leases to deposits | 56.8076% | 5,136 |
| Net loans and leases to core deposits | 59.4470% | 5,166 |
| Total domestic deposits to total assets | 82.8998% | 4,342 |
| Equity capital to assets | 9.2587% | 5,022 |
| Core capital (leverage) ratio | 9.3698% | 4,502 |
| Tier 1 risk-based capital ratio | 16.3343% | 2,914 |
| Total risk-based capital ratio | 17.1590% | 3,078 |
| Memoranda: | ||
| Average total assets | $201,041,000 | 3,024 |
| Average earning assets | $185,875,670 | 3,003 |
| Average equity | $17,997,000 | 3,418 |
| Average total loans | $93,123,330 | 3,616 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2442% | 5,939 |
| Cost of funding earning assets | 0.1889% | 6,084 |
| Net interest margin | 3.0553% | 5,375 |
| Noninterest income to average assets | 0.8739% | 1,475 |
| Noninterest expense to average assets | 2.8619% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8381% | 2,960 |
| Return on assets (ROA) | 0.8620% | 2,909 |
| Pretax return on assets | 0.8620% | 3,854 |
| Return on Equity (ROE) | 9.7957% | 2,114 |
| Retained earnings to average equity (ytd only) | 5.5976% | 2,740 |
| Net charge-offs to loans | -0.0304% | 5,563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3484% | 2,585 |
| Assets per employee ($millions) | 4.3036% | 3,332 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 5,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 45.2627% | 5,403 |
| Net loans and leases to deposits | 53.8334% | 5,304 |
| Net loans and leases to core deposits | 57.0584% | 5,275 |
| Total domestic deposits to total assets | 84.0793% | 4,245 |
| Equity capital to assets | 8.6841% | 5,454 |
| Core capital (leverage) ratio | 9.1906% | 4,729 |
| Tier 1 risk-based capital ratio | 15.7968% | 3,270 |
| Total risk-based capital ratio | 16.5905% | 3,483 |
| Memoranda: | ||
| Average total assets | $201,402,000 | 3,034 |
| Average earning assets | $186,299,000 | 3,016 |
| Average equity | $17,722,000 | 3,451 |
| Average total loans | $92,043,000 | 3,662 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5852% | 5,444 |
| Cost of funding earning assets | 0.2269% | 6,127 |
| Net interest margin | 3.3584% | 4,442 |
| Noninterest income to average assets | 0.9433% | 1,543 |
| Noninterest expense to average assets | 3.0972% | 2,740 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9318% | 2,636 |
| Return on assets (ROA) | 0.9464% | 2,652 |
| Pretax return on assets | 0.9464% | 3,575 |
| Return on Equity (ROE) | 10.0634% | 2,088 |
| Retained earnings to average equity (ytd only) | 1.2856% | 5,254 |
| Net charge-offs to loans | -0.0676% | 6,396 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8723% | 2,641 |
| Assets per employee ($millions) | 3.7737% | 4,320 |
| Cash dividends to net income (ytd only)* | 87.2247% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 5,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 45.2204% | 5,561 |
| Net loans and leases to deposits | 53.3600% | 5,522 |
| Net loans and leases to core deposits | 56.4611% | 5,499 |
| Total domestic deposits to total assets | 84.7460% | 3,874 |
| Equity capital to assets | 8.9207% | 5,129 |
| Core capital (leverage) ratio | 9.5650% | 4,163 |
| Tier 1 risk-based capital ratio | 16.4051% | 2,900 |
| Total risk-based capital ratio | 17.2344% | 3,057 |
| Memoranda: | ||
| Average total assets | $191,882,200 | 3,131 |
| Average earning assets | $176,306,600 | 3,126 |
| Average equity | $18,045,600 | 3,412 |
| Average total loans | $87,245,600 | 3,753 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5655% | 5,535 |
| Cost of funding earning assets | 0.2308% | 6,219 |
| Net interest margin | 3.3347% | 4,516 |
| Noninterest income to average assets | 0.9406% | 1,632 |
| Noninterest expense to average assets | 3.1705% | 2,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8288% | 3,201 |
| Return on assets (ROA) | 0.8484% | 3,220 |
| Pretax return on assets | 0.8484% | 4,101 |
| Return on Equity (ROE) | 8.9030% | 2,683 |
| Retained earnings to average equity (ytd only) | 2.3321% | 4,934 |
| Net charge-offs to loans | -0.0923% | 6,481 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2766% | 2,225 |
| Assets per employee ($millions) | 3.8616% | 4,110 |
| Cash dividends to net income (ytd only)* | 73.8056% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 5,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 45.7029% | 5,576 |
| Net loans and leases to deposits | 54.7024% | 5,475 |
| Net loans and leases to core deposits | 58.6477% | 5,394 |
| Total domestic deposits to total assets | 83.5483% | 4,360 |
| Equity capital to assets | 9.3230% | 4,773 |
| Core capital (leverage) ratio | 9.6725% | 4,139 |
| Tier 1 risk-based capital ratio | 17.1148% | 2,661 |
| Total risk-based capital ratio | 17.9767% | 2,793 |
| Memoranda: | ||
| Average total assets | $190,795,250 | 3,172 |
| Average earning assets | $175,005,250 | 3,176 |
| Average equity | $18,180,750 | 3,426 |
| Average total loans | $86,642,750 | 3,798 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5366% | 5,615 |
| Cost of funding earning assets | 0.2368% | 6,257 |
| Net interest margin | 3.2998% | 4,580 |
| Noninterest income to average assets | 0.9314% | 1,715 |
| Noninterest expense to average assets | 3.1413% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8196% | 3,198 |
| Return on assets (ROA) | 0.8426% | 3,234 |
| Pretax return on assets | 0.8426% | 4,146 |
| Return on Equity (ROE) | 8.7796% | 2,720 |
| Retained earnings to average equity (ytd only) | 2.7341% | 4,574 |
| Net charge-offs to loans | -0.0764% | 6,416 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3085% | 2,259 |
| Assets per employee ($millions) | 3.3309% | 5,208 |
| Cash dividends to net income (ytd only)* | 68.8586% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 5,686 |
| Loan loss allowance to noncurrent loans | 542.4242% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 6,237 |
| Noncurrent loans to loans | 0.1909% | 5,837 |
| Net loans and leases to total assets | 45.0417% | 5,632 |
| Net loans and leases to deposits | 54.7137% | 5,454 |
| Net loans and leases to core deposits | 57.7318% | 5,444 |
| Total domestic deposits to total assets | 82.3224% | 4,937 |
| Equity capital to assets | 9.4469% | 4,655 |
| Core capital (leverage) ratio | 9.4569% | 4,308 |
| Tier 1 risk-based capital ratio | 16.8795% | 2,756 |
| Total risk-based capital ratio | 17.7078% | 2,911 |
| Memoranda: | ||
| Average total assets | $191,320,330 | 3,175 |
| Average earning assets | $175,648,330 | 3,179 |
| Average equity | $18,360,670 | 3,413 |
| Average total loans | $86,390,000 | 3,811 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5288% | 5,637 |
| Cost of funding earning assets | 0.2407% | 6,345 |
| Net interest margin | 3.2881% | 4,561 |
| Noninterest income to average assets | 0.9331% | 1,650 |
| Noninterest expense to average assets | 3.1263% | 2,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8227% | 3,035 |
| Return on assets (ROA) | 0.8227% | 3,178 |
| Pretax return on assets | 0.8227% | 4,072 |
| Return on Equity (ROE) | 8.5070% | 2,717 |
| Retained earnings to average equity (ytd only) | 2.5413% | 4,750 |
| Net charge-offs to loans | -0.1065% | 6,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1667% | 2,447 |
| Assets per employee ($millions) | 3.4033% | 5,193 |
| Cash dividends to net income (ytd only)* | 70.1266% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 5,907 |
| Loan loss allowance to noncurrent loans | 680.7692% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 6,401 |
| Noncurrent loans to loans | 0.1504% | 6,015 |
| Net loans and leases to total assets | 44.1138% | 5,654 |
| Net loans and leases to deposits | 52.6430% | 5,561 |
| Net loans and leases to core deposits | 57.4582% | 5,393 |
| Total domestic deposits to total assets | 83.7981% | 4,557 |
| Equity capital to assets | 9.5907% | 4,719 |
| Core capital (leverage) ratio | 9.4236% | 4,204 |
| Tier 1 risk-based capital ratio | 16.7527% | 2,884 |
| Total risk-based capital ratio | 17.5715% | 3,049 |
| Memoranda: | ||
| Average total assets | $192,049,500 | 3,196 |
| Average earning assets | $176,149,000 | 3,197 |
| Average equity | $18,573,000 | 3,439 |
| Average total loans | $86,379,000 | 3,829 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9001% | 5,571 |
| Cost of funding earning assets | 0.3240% | 6,341 |
| Net interest margin | 3.5761% | 4,202 |
| Noninterest income to average assets | 0.9608% | 1,662 |
| Noninterest expense to average assets | 3.2697% | 2,427 |
| Loan and lease loss provision to assets | 0.0185% | 5,673 |
| Net operating income to assets | 0.9285% | 2,659 |
| Return on assets (ROA) | 0.9836% | 2,633 |
| Pretax return on assets | 0.9836% | 3,602 |
| Return on Equity (ROE) | 9.9449% | 2,194 |
| Retained earnings to average equity (ytd only) | 2.6938% | 4,339 |
| Net charge-offs to loans | 0.0978% | 4,686 |
| Credit loss provision to net charge-offs | 41.1765% | 4,915 |
| Earnings coverage of net charge-offs (x) | 21.0353% | 1,318 |
| Efficiency ratio | 77.5405% | 2,518 |
| Assets per employee ($millions) | 3.2222% | 5,574 |
| Cash dividends to net income (ytd only)* | 72.9133% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 5,973 |
| Loan loss allowance to noncurrent loans | 663.0769% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 6,439 |
| Noncurrent loans to loans | 0.1506% | 6,103 |
| Net loans and leases to total assets | 44.9398% | 5,737 |
| Net loans and leases to deposits | 54.1708% | 5,635 |
| Net loans and leases to core deposits | 58.2621% | 5,517 |
| Total domestic deposits to total assets | 82.9593% | 4,740 |
| Equity capital to assets | 9.7528% | 4,527 |
| Core capital (leverage) ratio | 9.6028% | 3,960 |
| Tier 1 risk-based capital ratio | 16.8265% | 2,736 |
| Total risk-based capital ratio | 17.6328% | 2,909 |
| Memoranda: | ||
| Average total assets | $188,796,600 | 3,193 |
| Average earning assets | $171,893,200 | 3,203 |
| Average equity | $18,672,800 | 3,377 |
| Average total loans | $86,893,400 | 3,826 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 5,532 |
| Cost of funding earning assets | 0.3379% | 6,430 |
| Net interest margin | 3.6574% | 3,974 |
| Noninterest income to average assets | 0.9423% | 1,698 |
| Noninterest expense to average assets | 3.3448% | 2,149 |
| Loan and lease loss provision to assets | 0.0071% | 5,719 |
| Net operating income to assets | 0.9211% | 2,873 |
| Return on assets (ROA) | 0.9692% | 2,880 |
| Pretax return on assets | 0.9692% | 3,826 |
| Return on Equity (ROE) | 9.7650% | 2,463 |
| Retained earnings to average equity (ytd only) | 5.0607% | 3,327 |
| Net charge-offs to loans | 0.1440% | 3,960 |
| Credit loss provision to net charge-offs | 10.6383% | 5,070 |
| Earnings coverage of net charge-offs (x) | 13.9575% | 1,874 |
| Efficiency ratio | 78.2781% | 2,360 |
| Assets per employee ($millions) | 3.3016% | 5,439 |
| Cash dividends to net income (ytd only)* | 48.1753% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 6,137 |
| Loan loss allowance to noncurrent loans | 636.9231% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 6,567 |
| Noncurrent loans to loans | 0.1548% | 6,224 |
| Net loans and leases to total assets | 44.9724% | 5,875 |
| Net loans and leases to deposits | 55.4933% | 5,675 |
| Net loans and leases to core deposits | 60.0176% | 5,555 |
| Total domestic deposits to total assets | 81.0411% | 5,344 |
| Equity capital to assets | 10.2299% | 4,166 |
| Core capital (leverage) ratio | 9.6911% | 3,976 |
| Tier 1 risk-based capital ratio | 17.4448% | 2,562 |
| Total risk-based capital ratio | 18.2386% | 2,696 |
| Memoranda: | ||
| Average total assets | $188,468,250 | 3,223 |
| Average earning assets | $171,629,750 | 3,238 |
| Average equity | $18,705,750 | 3,404 |
| Average total loans | $87,042,500 | 3,857 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0602% | 5,457 |
| Cost of funding earning assets | 0.3461% | 6,525 |
| Net interest margin | 3.7141% | 3,756 |
| Noninterest income to average assets | 0.9248% | 1,690 |
| Noninterest expense to average assets | 3.3154% | 2,269 |
| Loan and lease loss provision to assets | 0.0105% | 5,529 |
| Net operating income to assets | 0.9828% | 2,537 |
| Return on assets (ROA) | 0.9828% | 2,771 |
| Pretax return on assets | 0.9828% | 3,780 |
| Return on Equity (ROE) | 10.0020% | 2,350 |
| Retained earnings to average equity (ytd only) | 5.8381% | 2,807 |
| Net charge-offs to loans | 0.2248% | 3,229 |
| Credit loss provision to net charge-offs | 10.1010% | 4,737 |
| Earnings coverage of net charge-offs (x) | 9.5152% | 2,156 |
| Efficiency ratio | 76.9457% | 2,604 |
| Assets per employee ($millions) | 3.2370% | 5,582 |
| Cash dividends to net income (ytd only)* | 41.6309% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 6,257 |
| Loan loss allowance to noncurrent loans | 633.0769% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 6,642 |
| Noncurrent loans to loans | 0.1533% | 6,280 |
| Net loans and leases to total assets | 44.7200% | 5,949 |
| Net loans and leases to deposits | 56.1895% | 5,629 |
| Net loans and leases to core deposits | 60.6096% | 5,531 |
| Total domestic deposits to total assets | 79.5878% | 5,841 |
| Equity capital to assets | 10.0322% | 4,284 |
| Core capital (leverage) ratio | 9.4118% | 4,280 |
| Tier 1 risk-based capital ratio | 17.0021% | 2,660 |
| Total risk-based capital ratio | 17.7781% | 2,862 |
| Memoranda: | ||
| Average total assets | $189,661,330 | 3,221 |
| Average earning assets | $172,799,670 | 3,234 |
| Average equity | $18,636,330 | 3,409 |
| Average total loans | $88,064,330 | 3,853 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0438% | 5,627 |
| Cost of funding earning assets | 0.3569% | 6,612 |
| Net interest margin | 3.6868% | 3,893 |
| Noninterest income to average assets | 0.9380% | 1,603 |
| Noninterest expense to average assets | 3.2861% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0114% | 2,436 |
| Return on assets (ROA) | 1.0114% | 2,628 |
| Pretax return on assets | 1.0114% | 3,640 |
| Return on Equity (ROE) | 10.4008% | 2,266 |
| Retained earnings to average equity (ytd only) | 7.4014% | 2,229 |
| Net charge-offs to loans | -0.0178% | 6,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4648% | 2,721 |
| Assets per employee ($millions) | 3.4944% | 5,132 |
| Cash dividends to net income (ytd only)* | 28.8382% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 6,105 |
| Loan loss allowance to noncurrent loans | 383.2636% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 6,584 |
| Noncurrent loans to loans | 0.2721% | 6,135 |
| Net loans and leases to total assets | 44.4183% | 5,964 |
| Net loans and leases to deposits | 55.5470% | 5,657 |
| Net loans and leases to core deposits | 60.3884% | 5,496 |
| Total domestic deposits to total assets | 79.9653% | 5,859 |
| Equity capital to assets | 9.5342% | 4,751 |
| Core capital (leverage) ratio | 9.3543% | 4,273 |
| Tier 1 risk-based capital ratio | 16.2048% | 3,069 |
| Total risk-based capital ratio | 17.0373% | 3,259 |
| Memoranda: | ||
| Average total assets | $190,619,000 | 3,224 |
| Average earning assets | $173,698,500 | 3,240 |
| Average equity | $18,537,000 | 3,417 |
| Average total loans | $89,705,000 | 3,835 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 5,768 |
| Cost of funding earning assets | 0.5128% | 6,478 |
| Net interest margin | 3.7855% | 3,900 |
| Noninterest income to average assets | 1.0269% | 1,292 |
| Noninterest expense to average assets | 3.2611% | 2,651 |
| Loan and lease loss provision to assets | 0.0346% | 6,130 |
| Net operating income to assets | 1.1738% | 1,590 |
| Return on assets (ROA) | 1.1759% | 1,698 |
| Pretax return on assets | 1.1759% | 2,546 |
| Return on Equity (ROE) | 12.1797% | 1,359 |
| Retained earnings to average equity (ytd only) | 3.1538% | 3,980 |
| Net charge-offs to loans | 0.0566% | 5,742 |
| Credit loss provision to net charge-offs | 127.4510% | 2,437 |
| Earnings coverage of net charge-offs (x) | 44.5098% | 618 |
| Efficiency ratio | 72.9633% | 3,397 |
| Assets per employee ($millions) | 3.2553% | 5,604 |
| Cash dividends to net income (ytd only)* | 74.1059% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 6,239 |
| Loan loss allowance to noncurrent loans | 381.5900% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 6,628 |
| Noncurrent loans to loans | 0.2610% | 6,202 |
| Net loans and leases to total assets | 48.8604% | 5,733 |
| Net loans and leases to deposits | 60.5455% | 5,432 |
| Net loans and leases to core deposits | 67.4232% | 5,104 |
| Total domestic deposits to total assets | 80.7004% | 5,543 |
| Equity capital to assets | 9.9255% | 4,261 |
| Core capital (leverage) ratio | 9.3614% | 4,236 |
| Tier 1 risk-based capital ratio | 15.7822% | 3,162 |
| Total risk-based capital ratio | 16.6053% | 3,370 |
| Memoranda: | ||
| Average total assets | $187,850,800 | 3,216 |
| Average earning assets | $170,838,000 | 3,235 |
| Average equity | $18,136,800 | 3,407 |
| Average total loans | $90,106,400 | 3,853 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 5,890 |
| Cost of funding earning assets | 0.5295% | 6,581 |
| Net interest margin | 3.7875% | 3,938 |
| Noninterest income to average assets | 0.9779% | 1,401 |
| Noninterest expense to average assets | 3.2408% | 2,691 |
| Loan and lease loss provision to assets | 0.0142% | 6,255 |
| Net operating income to assets | 1.1697% | 1,748 |
| Return on assets (ROA) | 1.1711% | 1,858 |
| Pretax return on assets | 1.1711% | 2,735 |
| Return on Equity (ROE) | 12.2137% | 1,484 |
| Retained earnings to average equity (ytd only) | 6.0736% | 2,518 |
| Net charge-offs to loans | 0.0178% | 5,903 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 139.4131% | 270 |
| Efficiency ratio | 73.2448% | 3,327 |
| Assets per employee ($millions) | 3.3038% | 5,474 |
| Cash dividends to net income (ytd only)* | 50.2721% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 6,189 |
| Loan loss allowance to noncurrent loans | 194.0043% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2524% | 6,431 |
| Noncurrent loans to loans | 0.5238% | 5,807 |
| Net loans and leases to total assets | 47.7017% | 5,990 |
| Net loans and leases to deposits | 62.1050% | 5,390 |
| Net loans and leases to core deposits | 66.5182% | 5,362 |
| Total domestic deposits to total assets | 76.8083% | 6,407 |
| Equity capital to assets | 10.1054% | 4,202 |
| Core capital (leverage) ratio | 9.6150% | 3,971 |
| Tier 1 risk-based capital ratio | 16.2184% | 3,005 |
| Total risk-based capital ratio | 17.0469% | 3,181 |
| Memoranda: | ||
| Average total assets | $188,425,250 | 3,222 |
| Average earning assets | $171,473,250 | 3,225 |
| Average equity | $18,066,750 | 3,420 |
| Average total loans | $89,739,500 | 3,900 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3255% | 5,930 |
| Cost of funding earning assets | 0.5397% | 6,704 |
| Net interest margin | 3.7858% | 3,857 |
| Noninterest income to average assets | 0.9485% | 1,472 |
| Noninterest expense to average assets | 3.1958% | 2,914 |
| Loan and lease loss provision to assets | 0.0106% | 6,134 |
| Net operating income to assets | 1.1912% | 1,602 |
| Return on assets (ROA) | 1.1933% | 1,682 |
| Pretax return on assets | 1.1933% | 2,510 |
| Return on Equity (ROE) | 12.6673% | 1,288 |
| Retained earnings to average equity (ytd only) | 6.4513% | 2,171 |
| Net charge-offs to loans | 0.0156% | 5,628 |
| Credit loss provision to net charge-offs | 142.8571% | 2,134 |
| Earnings coverage of net charge-offs (x) | 162.7143% | 219 |
| Efficiency ratio | 72.6727% | 3,605 |
| Assets per employee ($millions) | 3.4760% | 5,000 |
| Cash dividends to net income (ytd only)* | 49.0716% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 6,322 |
| Loan loss allowance to noncurrent loans | 370.7819% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 6,791 |
| Noncurrent loans to loans | 0.2703% | 6,383 |
| Net loans and leases to total assets | 44.1376% | 6,426 |
| Net loans and leases to deposits | 54.8944% | 6,237 |
| Net loans and leases to core deposits | 59.5496% | 6,132 |
| Total domestic deposits to total assets | 80.4045% | 5,706 |
| Equity capital to assets | 9.0552% | 5,500 |
| Core capital (leverage) ratio | 9.4674% | 4,001 |
| Tier 1 risk-based capital ratio | 15.2829% | 3,359 |
| Total risk-based capital ratio | 16.0701% | 3,568 |
| Memoranda: | ||
| Average total assets | $189,563,670 | 3,230 |
| Average earning assets | $172,696,000 | 3,229 |
| Average equity | $17,857,000 | 3,439 |
| Average total loans | $89,933,000 | 3,939 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 5,417 |
| Cost of funding earning assets | 0.5530% | 6,792 |
| Net interest margin | 3.9239% | 3,030 |
| Noninterest income to average assets | 0.9720% | 1,406 |
| Noninterest expense to average assets | 3.2559% | 2,689 |
| Loan and lease loss provision to assets | 0.0218% | 5,680 |
| Net operating income to assets | 1.2662% | 1,350 |
| Return on assets (ROA) | 1.2662% | 1,402 |
| Pretax return on assets | 1.2662% | 2,145 |
| Return on Equity (ROE) | 13.1615% | 1,155 |
| Retained earnings to average equity (ytd only) | 6.8866% | 2,194 |
| Net charge-offs to loans | -0.0178% | 6,531 |
| Credit loss provision to net charge-offs | -250.0000% | 5,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6547% | 3,931 |
| Assets per employee ($millions) | 3.2999% | 5,477 |
| Cash dividends to net income (ytd only)* | 47.6764% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 6,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 7,107 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 48.6198% | 6,004 |
| Net loans and leases to deposits | 61.8838% | 5,512 |
| Net loans and leases to core deposits | 68.4473% | 5,238 |
| Total domestic deposits to total assets | 78.5663% | 6,280 |
| Equity capital to assets | 9.6551% | 4,242 |
| Core capital (leverage) ratio | 9.3053% | 4,117 |
| Tier 1 risk-based capital ratio | 15.4401% | 3,182 |
| Total risk-based capital ratio | 16.2580% | 3,382 |
| Memoranda: | ||
| Average total assets | $183,541,500 | 3,346 |
| Average earning assets | $167,080,000 | 3,343 |
| Average equity | $17,657,500 | 3,458 |
| Average total loans | $89,956,500 | 3,979 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 5,803 |
| Cost of funding earning assets | 0.8734% | 6,282 |
| Net interest margin | 3.8270% | 3,834 |
| Noninterest income to average assets | 1.0454% | 1,370 |
| Noninterest expense to average assets | 3.3527% | 2,577 |
| Loan and lease loss provision to assets | 0.0651% | 6,493 |
| Net operating income to assets | 1.1127% | 1,666 |
| Return on assets (ROA) | 1.1223% | 1,714 |
| Pretax return on assets | 1.1223% | 2,496 |
| Return on Equity (ROE) | 11.4435% | 1,472 |
| Retained earnings to average equity (ytd only) | 4.1298% | 2,961 |
| Net charge-offs to loans | 0.0473% | 6,328 |
| Credit loss provision to net charge-offs | 273.8095% | 998 |
| Earnings coverage of net charge-offs (x) | 49.5714% | 472 |
| Efficiency ratio | 74.0042% | 3,398 |
| Assets per employee ($millions) | 3.3757% | 5,229 |
| Cash dividends to net income (ytd only)* | 63.9113% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 6,357 |
| Loan loss allowance to noncurrent loans | 1,575.4386% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 7,163 |
| Noncurrent loans to loans | 0.0639% | 6,961 |
| Net loans and leases to total assets | 48.4157% | 6,349 |
| Net loans and leases to deposits | 60.0294% | 6,052 |
| Net loans and leases to core deposits | 67.8456% | 5,676 |
| Total domestic deposits to total assets | 80.6534% | 5,639 |
| Equity capital to assets | 9.5853% | 4,290 |
| Core capital (leverage) ratio | 9.5607% | 3,624 |
| Tier 1 risk-based capital ratio | 15.3781% | 3,053 |
| Total risk-based capital ratio | 16.1946% | 3,236 |
| Memoranda: | ||
| Average total assets | $176,780,400 | 3,424 |
| Average earning assets | $160,988,800 | 3,431 |
| Average equity | $17,337,400 | 3,529 |
| Average total loans | $88,863,200 | 4,081 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 5,823 |
| Cost of funding earning assets | 0.9451% | 6,200 |
| Net interest margin | 3.8146% | 3,907 |
| Noninterest income to average assets | 1.0497% | 1,309 |
| Noninterest expense to average assets | 3.3925% | 2,317 |
| Loan and lease loss provision to assets | 0.0760% | 6,290 |
| Net operating income to assets | 1.0543% | 2,056 |
| Return on assets (ROA) | 1.0672% | 2,126 |
| Pretax return on assets | 1.0672% | 2,943 |
| Return on Equity (ROE) | 10.8183% | 1,847 |
| Retained earnings to average equity (ytd only) | 6.2260% | 2,247 |
| Net charge-offs to loans | 0.0210% | 6,380 |
| Credit loss provision to net charge-offs | 714.2857% | 416 |
| Earnings coverage of net charge-offs (x) | 106.1928% | 298 |
| Efficiency ratio | 75.0084% | 3,143 |
| Assets per employee ($millions) | 3.1558% | 5,789 |
| Cash dividends to net income (ytd only)* | 42.4504% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 6,156 |
| Loan loss allowance to noncurrent loans | 1,247.9452% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 7,248 |
| Noncurrent loans to loans | 0.0842% | 7,027 |
| Net loans and leases to total assets | 48.5203% | 6,472 |
| Net loans and leases to deposits | 61.4144% | 6,177 |
| Net loans and leases to core deposits | 70.2634% | 5,719 |
| Total domestic deposits to total assets | 79.0048% | 6,019 |
| Equity capital to assets | 10.1349% | 3,966 |
| Core capital (leverage) ratio | 9.6690% | 3,663 |
| Tier 1 risk-based capital ratio | 15.9012% | 2,807 |
| Total risk-based capital ratio | 16.7530% | 2,963 |
| Memoranda: | ||
| Average total assets | $175,403,000 | 3,494 |
| Average earning assets | $159,696,750 | 3,503 |
| Average equity | $17,303,500 | 3,589 |
| Average total loans | $88,790,250 | 4,150 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7794% | 5,861 |
| Cost of funding earning assets | 0.9867% | 6,214 |
| Net interest margin | 3.7927% | 3,926 |
| Noninterest income to average assets | 1.0402% | 1,247 |
| Noninterest expense to average assets | 3.4053% | 2,250 |
| Loan and lease loss provision to assets | 0.1143% | 5,761 |
| Net operating income to assets | 0.9785% | 2,269 |
| Return on assets (ROA) | 0.9979% | 2,285 |
| Pretax return on assets | 0.9979% | 3,120 |
| Return on Equity (ROE) | 10.2099% | 2,021 |
| Retained earnings to average equity (ytd only) | 5.9880% | 2,332 |
| Net charge-offs to loans | 0.0112% | 6,189 |
| Credit loss provision to net charge-offs | 2,000.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 191.2000% | 175 |
| Efficiency ratio | 75.7052% | 3,121 |
| Assets per employee ($millions) | 2.9794% | 6,182 |
| Cash dividends to net income (ytd only)* | 41.3517% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 6,224 |
| Loan loss allowance to noncurrent loans | 1,135.8025% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 7,272 |
| Noncurrent loans to loans | 0.0918% | 7,083 |
| Net loans and leases to total assets | 49.6772% | 6,465 |
| Net loans and leases to deposits | 62.9716% | 6,141 |
| Net loans and leases to core deposits | 70.6094% | 5,816 |
| Total domestic deposits to total assets | 78.8882% | 6,068 |
| Equity capital to assets | 9.9037% | 4,133 |
| Core capital (leverage) ratio | 9.4943% | 3,831 |
| Tier 1 risk-based capital ratio | 15.2344% | 3,044 |
| Total risk-based capital ratio | 16.0732% | 3,226 |
| Memoranda: | ||
| Average total assets | $174,962,000 | 3,520 |
| Average earning assets | $159,518,330 | 3,526 |
| Average equity | $17,101,000 | 3,620 |
| Average total loans | $89,500,670 | 4,158 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7639% | 6,024 |
| Cost of funding earning assets | 1.0237% | 6,263 |
| Net interest margin | 3.7402% | 4,052 |
| Noninterest income to average assets | 1.0358% | 1,191 |
| Noninterest expense to average assets | 3.3618% | 2,339 |
| Loan and lease loss provision to assets | 0.2292% | 4,211 |
| Net operating income to assets | 0.8525% | 2,745 |
| Return on assets (ROA) | 0.8525% | 2,834 |
| Pretax return on assets | 0.8525% | 3,655 |
| Return on Equity (ROE) | 8.7803% | 2,567 |
| Retained earnings to average equity (ytd only) | 5.4995% | 2,865 |
| Net charge-offs to loans | 0.0311% | 5,142 |
| Credit loss provision to net charge-offs | 1,428.5714% | 350 |
| Earnings coverage of net charge-offs (x) | 67.4286% | 450 |
| Efficiency ratio | 75.6576% | 3,283 |
| Assets per employee ($millions) | 3.1211% | 5,948 |
| Cash dividends to net income (ytd only)* | 37.3656% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 6,319 |
| Loan loss allowance to noncurrent loans | 805.2632% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 7,322 |
| Noncurrent loans to loans | 0.1280% | 7,085 |
| Net loans and leases to total assets | 49.5573% | 6,517 |
| Net loans and leases to deposits | 64.2848% | 6,031 |
| Net loans and leases to core deposits | 71.2269% | 5,801 |
| Total domestic deposits to total assets | 77.0903% | 6,537 |
| Equity capital to assets | 9.5884% | 4,391 |
| Core capital (leverage) ratio | 9.3830% | 3,930 |
| Tier 1 risk-based capital ratio | 14.8297% | 3,196 |
| Total risk-based capital ratio | 15.6582% | 3,397 |
| Memoranda: | ||
| Average total assets | $174,551,500 | 3,581 |
| Average earning assets | $159,030,000 | 3,585 |
| Average equity | $16,947,000 | 3,666 |
| Average total loans | $90,129,000 | 4,195 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1177% | 6,011 |
| Cost of funding earning assets | 1.2187% | 6,593 |
| Net interest margin | 3.8989% | 3,273 |
| Noninterest income to average assets | 1.0188% | 1,509 |
| Noninterest expense to average assets | 3.3848% | 2,727 |
| Loan and lease loss provision to assets | 0.1511% | 6,154 |
| Net operating income to assets | 1.0374% | 1,714 |
| Return on assets (ROA) | 1.0915% | 1,581 |
| Pretax return on assets | 1.1037% | 2,242 |
| Return on Equity (ROE) | 11.3778% | 1,326 |
| Retained earnings to average equity (ytd only) | 4.5681% | 2,058 |
| Net charge-offs to loans | 0.1539% | 5,726 |
| Credit loss provision to net charge-offs | 185.7143% | 2,190 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,353 |
| Efficiency ratio | 73.8243% | 3,932 |
| Assets per employee ($millions) | 2.9517% | 6,346 |
| Cash dividends to net income (ytd only)* | 59.8509% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 6,790 |
| Loan loss allowance to noncurrent loans | 3,055.5556% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 7,487 |
| Noncurrent loans to loans | 0.0296% | 7,358 |
| Net loans and leases to total assets | 52.7751% | 6,330 |
| Net loans and leases to deposits | 69.0952% | 5,711 |
| Net loans and leases to core deposits | 83.3796% | 5,778 |
| Total domestic deposits to total assets | 76.3803% | 6,607 |
| Equity capital to assets | 9.8341% | 3,963 |
| Core capital (leverage) ratio | 9.4878% | 3,737 |
| Tier 1 risk-based capital ratio | 14.1340% | 3,414 |
| Total risk-based capital ratio | 14.8539% | 3,695 |
| Memoranda: | ||
| Average total assets | $172,062,800 | 3,574 |
| Average earning assets | $157,376,000 | 3,569 |
| Average equity | $16,505,800 | 3,776 |
| Average total loans | $90,939,400 | 4,190 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1592% | 6,069 |
| Cost of funding earning assets | 1.2514% | 6,718 |
| Net interest margin | 3.9078% | 3,212 |
| Noninterest income to average assets | 1.0224% | 1,523 |
| Noninterest expense to average assets | 3.4501% | 2,418 |
| Loan and lease loss provision to assets | 0.1083% | 6,290 |
| Net operating income to assets | 1.0456% | 1,915 |
| Return on assets (ROA) | 1.0456% | 1,975 |
| Pretax return on assets | 1.0456% | 2,752 |
| Return on Equity (ROE) | 10.9679% | 1,628 |
| Retained earnings to average equity (ytd only) | 6.3567% | 1,787 |
| Net charge-offs to loans | 0.1350% | 5,348 |
| Credit loss provision to net charge-offs | 152.1739% | 3,137 |
| Earnings coverage of net charge-offs (x) | 16.2070% | 1,483 |
| Efficiency ratio | 74.9370% | 3,702 |
| Assets per employee ($millions) | 3.0086% | 6,146 |
| Cash dividends to net income (ytd only)* | 42.0426% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 7,004 |
| Loan loss allowance to noncurrent loans | 1,176.5625% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 7,483 |
| Noncurrent loans to loans | 0.0711% | 7,319 |
| Net loans and leases to total assets | 52.9811% | 6,498 |
| Net loans and leases to deposits | 69.5805% | 5,966 |
| Net loans and leases to core deposits | 83.2901% | 6,093 |
| Total domestic deposits to total assets | 76.1436% | 6,558 |
| Equity capital to assets | 10.0434% | 4,035 |
| Core capital (leverage) ratio | 9.5284% | 3,873 |
| Tier 1 risk-based capital ratio | 13.2745% | 4,004 |
| Total risk-based capital ratio | 13.8905% | 4,394 |
| Memoranda: | ||
| Average total assets | $172,278,500 | 3,585 |
| Average earning assets | $157,901,000 | 3,580 |
| Average equity | $16,423,250 | 3,829 |
| Average total loans | $90,880,250 | 4,220 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1759% | 6,160 |
| Cost of funding earning assets | 1.2918% | 6,834 |
| Net interest margin | 3.8842% | 3,188 |
| Noninterest income to average assets | 1.0960% | 1,323 |
| Noninterest expense to average assets | 3.5276% | 2,264 |
| Loan and lease loss provision to assets | 0.0807% | 6,377 |
| Net operating income to assets | 1.0464% | 1,949 |
| Return on assets (ROA) | 1.0464% | 2,022 |
| Pretax return on assets | 1.0464% | 2,822 |
| Return on Equity (ROE) | 11.1703% | 1,654 |
| Retained earnings to average equity (ytd only) | 6.9015% | 1,621 |
| Net charge-offs to loans | 0.1821% | 4,429 |
| Credit loss provision to net charge-offs | 84.3373% | 5,079 |
| Earnings coverage of net charge-offs (x) | 11.7831% | 1,874 |
| Efficiency ratio | 75.7861% | 3,728 |
| Assets per employee ($millions) | 2.9119% | 6,353 |
| Cash dividends to net income (ytd only)* | 38.2159% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 7,253 |
| Loan loss allowance to noncurrent loans | 3,145.4545% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 7,605 |
| Noncurrent loans to loans | 0.0245% | 7,480 |
| Net loans and leases to total assets | 51.8850% | 6,701 |
| Net loans and leases to deposits | 67.3667% | 6,259 |
| Net loans and leases to core deposits | 79.4589% | 6,448 |
| Total domestic deposits to total assets | 77.0187% | 6,324 |
| Equity capital to assets | 9.5696% | 4,527 |
| Core capital (leverage) ratio | 9.1058% | 4,453 |
| Tier 1 risk-based capital ratio | 14.1803% | 3,413 |
| Total risk-based capital ratio | 14.7934% | 3,724 |
| Memoranda: | ||
| Average total assets | $173,545,000 | 3,574 |
| Average earning assets | $159,005,000 | 3,581 |
| Average equity | $16,257,330 | 3,871 |
| Average total loans | $91,168,670 | 4,253 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2635% | 6,053 |
| Cost of funding earning assets | 1.3609% | 6,841 |
| Net interest margin | 3.9026% | 3,028 |
| Noninterest income to average assets | 1.0756% | 1,291 |
| Noninterest expense to average assets | 3.4080% | 2,332 |
| Loan and lease loss provision to assets | 0.0917% | 5,782 |
| Net operating income to assets | 1.1536% | 1,792 |
| Return on assets (ROA) | 1.1536% | 1,914 |
| Pretax return on assets | 1.1536% | 2,790 |
| Return on Equity (ROE) | 12.4463% | 1,532 |
| Retained earnings to average equity (ytd only) | 9.0068% | 1,479 |
| Net charge-offs to loans | 0.1742% | 3,590 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 13.5750% | 1,727 |
| Efficiency ratio | 73.2380% | 3,964 |
| Assets per employee ($millions) | 3.0080% | 6,130 |
| Cash dividends to net income (ytd only)* | 27.6342% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7679% | 7,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 51.3346% | 6,745 |
| Net loans and leases to deposits | 68.2961% | 6,153 |
| Net loans and leases to core deposits | 80.6410% | 6,336 |
| Total domestic deposits to total assets | 75.1647% | 6,676 |
| Equity capital to assets | 9.2234% | 5,056 |
| Core capital (leverage) ratio | 9.2279% | 4,367 |
| Tier 1 risk-based capital ratio | 13.7688% | 3,712 |
| Total risk-based capital ratio | 14.3829% | 4,010 |
| Memoranda: | ||
| Average total assets | $174,415,000 | 3,583 |
| Average earning assets | $159,893,000 | 3,574 |
| Average equity | $16,165,500 | 3,910 |
| Average total loans | $91,836,500 | 4,265 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8153% | 6,378 |
| Cost of funding earning assets | 2.0478% | 6,248 |
| Net interest margin | 3.7675% | 4,146 |
| Noninterest income to average assets | 1.2187% | 999 |
| Noninterest expense to average assets | 3.2978% | 2,967 |
| Loan and lease loss provision to assets | 0.0845% | 6,331 |
| Net operating income to assets | 1.2597% | 1,606 |
| Return on assets (ROA) | 1.3002% | 1,434 |
| Pretax return on assets | 1.3002% | 2,309 |
| Return on Equity (ROE) | 14.1025% | 1,085 |
| Retained earnings to average equity (ytd only) | 4.1162% | 2,569 |
| Net charge-offs to loans | 0.0708% | 5,758 |
| Credit loss provision to net charge-offs | 237.2881% | 1,991 |
| Earnings coverage of net charge-offs (x) | 37.7627% | 978 |
| Efficiency ratio | 71.0424% | 4,126 |
| Assets per employee ($millions) | 3.0599% | 5,896 |
| Cash dividends to net income (ytd only)* | 70.8121% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7674% | 7,213 |
| Loan loss allowance to noncurrent loans | 3,916.6667% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 7,583 |
| Noncurrent loans to loans | 0.0196% | 7,443 |
| Net loans and leases to total assets | 53.1977% | 6,731 |
| Net loans and leases to deposits | 72.5884% | 5,995 |
| Net loans and leases to core deposits | 84.9641% | 6,215 |
| Total domestic deposits to total assets | 73.2868% | 6,780 |
| Equity capital to assets | 9.3151% | 4,918 |
| Core capital (leverage) ratio | 9.0049% | 4,733 |
| Tier 1 risk-based capital ratio | 13.5253% | 3,811 |
| Total risk-based capital ratio | 14.1427% | 4,095 |
| Memoranda: | ||
| Average total assets | $165,747,400 | 3,619 |
| Average earning assets | $150,603,000 | 3,646 |
| Average equity | $15,281,000 | 4,079 |
| Average total loans | $83,321,200 | 4,416 |