Home > Citizens Bank and Trust > Performance and Condition Ratios
Citizens Bank and Trust, Performance and Condition Ratios
| 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 | 4.0985% | 4,178 |
| Cost of funding earning assets | 1.6257% | 2,919 |
| Net interest margin | 2.4728% | 3,904 |
| Noninterest income to average assets | 0.7400% | 938 |
| Noninterest expense to average assets | 2.5341% | 2,150 |
| Loan and lease loss provision to assets | -0.0600% | 4,366 |
| Net operating income to assets | 0.6531% | 3,002 |
| Return on assets (ROA) | 0.6543% | 3,021 |
| Pretax return on assets | 0.6543% | 3,266 |
| Return on Equity (ROE) | 57.2500% | 28 |
| Retained earnings to average equity (ytd only) | 29.3935% | 63 |
| Net charge-offs to loans | 0.0572% | 985 |
| Credit loss provision to net charge-offs | -94.1748% | 4,477 |
| Earnings coverage of net charge-offs (x) | 19.0583% | 1,376 |
| Efficiency ratio | 80.9745% | 1,134 |
| Assets per employee ($millions) | 6.7340% | 2,258 |
| Cash dividends to net income (ytd only)* | 48.6599% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 3,229 |
| Loan loss allowance to noncurrent loans | 65.0602% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.8533% | 695 |
| Noncurrent loans to loans | 1.5576% | 506 |
| Net loans and leases to total assets | 54.2300% | 3,320 |
| Net loans and leases to deposits | 55.9320% | 3,703 |
| Net loans and leases to core deposits | 57.4194% | 3,865 |
| Total domestic deposits to total assets | 96.9500% | 32 |
| Equity capital to assets | 1.0470% | 4,556 |
| Core capital (leverage) ratio | 7.3392% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1369% | 2,198 |
| Memoranda: | ||
| Average total assets | $1,322,918,000 | 814 |
| Average earning assets | $1,275,988,000 | 782 |
| Average equity | $15,119,000 | 3,318 |
| Average total loans | $719,750,000 | 983 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 4,226 |
| Cost of funding earning assets | 1.1992% | 2,806 |
| Net interest margin | 2.5548% | 4,030 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.4077% | 2,572 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7237% | 3,122 |
| Return on assets (ROA) | 0.7416% | 3,053 |
| Pretax return on assets | 0.7416% | 3,354 |
| Return on Equity (ROE) | 144.8200% | 8 |
| Retained earnings to average equity (ytd only) | 73.9239% | 11 |
| Net charge-offs to loans | 0.0195% | 1,964 |
| Credit loss provision to net charge-offs | 624.2424% | 577 |
| Earnings coverage of net charge-offs (x) | 77.4470% | 1,044 |
| Efficiency ratio | 75.5343% | 1,295 |
| Assets per employee ($millions) | 6.8575% | 2,167 |
| Cash dividends to net income (ytd only)* | 48.9538% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 3,110 |
| Loan loss allowance to noncurrent loans | 52.8917% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 445 |
| Noncurrent loans to loans | 1.9665% | 295 |
| Net loans and leases to total assets | 53.5700% | 3,382 |
| Net loans and leases to deposits | 56.5692% | 3,680 |
| Net loans and leases to core deposits | 57.5487% | 3,856 |
| Total domestic deposits to total assets | 94.6900% | 68 |
| Equity capital to assets | 1.2395% | 4,574 |
| Core capital (leverage) ratio | 7.3282% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0142% | 2,239 |
| Memoranda: | ||
| Average total assets | $1,314,770,600 | 796 |
| Average earning assets | $1,270,982,800 | 756 |
| Average equity | $6,732,600 | 4,076 |
| Average total loans | $676,273,800 | 990 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6889% | 4,219 |
| Cost of funding earning assets | 1.0981% | 2,745 |
| Net interest margin | 2.5908% | 4,044 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.4456% | 2,388 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.7249% | 3,244 |
| Return on assets (ROA) | 0.7488% | 3,171 |
| Pretax return on assets | 0.7488% | 3,452 |
| Return on Equity (ROE) | 228.6300% | 8 |
| Retained earnings to average equity (ytd only) | 109.1609% | 12 |
| Net charge-offs to loans | 0.0158% | 1,829 |
| Credit loss provision to net charge-offs | 593.6709% | 563 |
| Earnings coverage of net charge-offs (x) | 96.3544% | 934 |
| Efficiency ratio | 75.9011% | 1,179 |
| Assets per employee ($millions) | 6.4129% | 2,386 |
| Cash dividends to net income (ytd only)* | 52.2548% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,226 |
| Loan loss allowance to noncurrent loans | 601.5063% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 2,962 |
| Noncurrent loans to loans | 0.1707% | 2,685 |
| Net loans and leases to total assets | 53.7600% | 3,377 |
| Net loans and leases to deposits | 56.3489% | 3,699 |
| Net loans and leases to core deposits | 57.1620% | 3,808 |
| Total domestic deposits to total assets | 95.4100% | 101 |
| Equity capital to assets | -0.8556% | 4,621 |
| Core capital (leverage) ratio | 7.2549% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4007% | 2,116 |
| Memoranda: | ||
| Average total assets | $1,310,873,750 | 803 |
| Average earning assets | $1,267,435,500 | 754 |
| Average equity | $4,293,250 | 4,332 |
| Average total loans | $665,314,000 | 1,003 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5749% | 4,277 |
| Cost of funding earning assets | 0.9626% | 2,729 |
| Net interest margin | 2.6123% | 4,100 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.4036% | 2,471 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.7582% | 3,198 |
| Return on assets (ROA) | 0.7938% | 3,103 |
| Pretax return on assets | 0.7938% | 3,409 |
| Return on Equity (ROE) | 111.3100% | 18 |
| Retained earnings to average equity (ytd only) | 51.8899% | 29 |
| Net charge-offs to loans | 0.0095% | 1,849 |
| Credit loss provision to net charge-offs | 1,303.2258% | 341 |
| Earnings coverage of net charge-offs (x) | 177.7097% | 669 |
| Efficiency ratio | 74.1417% | 1,332 |
| Assets per employee ($millions) | 6.7024% | 2,133 |
| Cash dividends to net income (ytd only)* | 53.3830% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 3,228 |
| Loan loss allowance to noncurrent loans | 577.3752% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 2,867 |
| Noncurrent loans to loans | 0.1809% | 2,574 |
| Net loans and leases to total assets | 52.2600% | 3,390 |
| Net loans and leases to deposits | 54.5630% | 3,715 |
| Net loans and leases to core deposits | 55.0386% | 3,846 |
| Total domestic deposits to total assets | 95.7800% | 64 |
| Equity capital to assets | 0.4985% | 4,628 |
| Core capital (leverage) ratio | 7.2372% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0010% | 2,296 |
| Memoranda: | ||
| Average total assets | $1,318,170,333 | 784 |
| Average earning assets | $1,275,106,667 | 743 |
| Average equity | $9,400,667 | 3,808 |
| Average total loans | $653,701,667 | 1,003 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4832% | 4,288 |
| Cost of funding earning assets | 0.8620% | 2,502 |
| Net interest margin | 2.6212% | 4,187 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.3754% | 2,599 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.7794% | 3,258 |
| Return on assets (ROA) | 0.8488% | 2,978 |
| Pretax return on assets | 0.8488% | 3,354 |
| Return on Equity (ROE) | 103.7200% | 21 |
| Retained earnings to average equity (ytd only) | 42.2099% | 53 |
| Net charge-offs to loans | -0.0207% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.4060% | 1,398 |
| Assets per employee ($millions) | 6.9966% | 1,984 |
| Cash dividends to net income (ytd only)* | 59.3040% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,261 |
| Loan loss allowance to noncurrent loans | 542.2011% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 2,867 |
| Noncurrent loans to loans | 0.1951% | 2,497 |
| Net loans and leases to total assets | 48.1900% | 3,614 |
| Net loans and leases to deposits | 51.7867% | 3,804 |
| Net loans and leases to core deposits | 52.3201% | 3,901 |
| Total domestic deposits to total assets | 93.0600% | 300 |
| Equity capital to assets | 1.3926% | 4,650 |
| Core capital (leverage) ratio | 7.1680% | 4,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3142% | 2,262 |
| Memoranda: | ||
| Average total assets | $1,327,121,000 | 795 |
| Average earning assets | $1,283,973,500 | 753 |
| Average equity | $10,860,000 | 3,687 |
| Average total loans | $637,198,000 | 1,032 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0677% | 4,052 |
| Cost of funding earning assets | 0.3193% | 2,728 |
| Net interest margin | 2.7485% | 3,979 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.3330% | 2,637 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.9459% | 2,788 |
| Return on assets (ROA) | 0.9378% | 2,765 |
| Pretax return on assets | 0.9378% | 3,251 |
| Return on Equity (ROE) | 34.4800% | 77 |
| Retained earnings to average equity (ytd only) | 23.9674% | 52 |
| Net charge-offs to loans | 0.0197% | 1,699 |
| Credit loss provision to net charge-offs | 1,276.8519% | 361 |
| Earnings coverage of net charge-offs (x) | 124.0741% | 873 |
| Efficiency ratio | 68.8092% | 1,863 |
| Assets per employee ($millions) | 6.9366% | 2,019 |
| Cash dividends to net income (ytd only)* | 30.4917% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 2,967 |
| Loan loss allowance to noncurrent loans | 519.3277% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 2,850 |
| Noncurrent loans to loans | 0.2088% | 2,448 |
| Net loans and leases to total assets | 46.8000% | 3,747 |
| Net loans and leases to deposits | 51.2476% | 3,845 |
| Net loans and leases to core deposits | 51.6913% | 3,916 |
| Total domestic deposits to total assets | 91.3300% | 831 |
| Equity capital to assets | 0.2421% | 4,687 |
| Core capital (leverage) ratio | 7.0674% | 4,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1234% | 2,317 |
| Memoranda: | ||
| Average total assets | $1,270,814,800 | 806 |
| Average earning assets | $1,229,632,200 | 772 |
| Average equity | $34,563,600 | 2,131 |
| Average total loans | $547,970,200 | 1,108 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9463% | 3,989 |
| Cost of funding earning assets | 0.1927% | 3,361 |
| Net interest margin | 2.7536% | 3,829 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.3662% | 2,427 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0273% | 2,379 |
| Return on assets (ROA) | 1.0163% | 2,390 |
| Pretax return on assets | 1.0163% | 2,971 |
| Return on Equity (ROE) | 30.1400% | 103 |
| Retained earnings to average equity (ytd only) | 19.6586% | 114 |
| Net charge-offs to loans | 0.0232% | 1,366 |
| Credit loss provision to net charge-offs | 220.6522% | 935 |
| Earnings coverage of net charge-offs (x) | 107.5000% | 915 |
| Efficiency ratio | 69.2265% | 1,860 |
| Assets per employee ($millions) | 6.7270% | 2,143 |
| Cash dividends to net income (ytd only)* | 34.7663% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,459 |
| Loan loss allowance to noncurrent loans | 602.9947% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,148 |
| Noncurrent loans to loans | 0.1665% | 2,761 |
| Net loans and leases to total assets | 44.2000% | 3,864 |
| Net loans and leases to deposits | 46.5435% | 4,003 |
| Net loans and leases to core deposits | 46.9585% | 4,063 |
| Total domestic deposits to total assets | 94.9700% | 226 |
| Equity capital to assets | -0.2388% | 4,738 |
| Core capital (leverage) ratio | 7.0282% | 4,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7860% | 2,136 |
| Memoranda: | ||
| Average total assets | $1,257,297,750 | 821 |
| Average earning assets | $1,216,799,750 | 785 |
| Average equity | $42,402,750 | 1,871 |
| Average total loans | $528,237,250 | 1,129 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7869% | 4,002 |
| Cost of funding earning assets | 0.1286% | 3,856 |
| Net interest margin | 2.6582% | 3,797 |
| Noninterest income to average assets | 0.7874% | 1,079 |
| Noninterest expense to average assets | 2.3036% | 2,541 |
| Loan and lease loss provision to assets | 0.0092% | 2,425 |
| Net operating income to assets | 1.0489% | 1,980 |
| Return on assets (ROA) | 1.0325% | 2,014 |
| Pretax return on assets | 1.0325% | 2,628 |
| Return on Equity (ROE) | 22.5589% | 181 |
| Retained earnings to average equity (ytd only) | 15.8016% | 208 |
| Net charge-offs to loans | 0.0232% | 1,261 |
| Credit loss provision to net charge-offs | 96.6667% | 1,316 |
| Earnings coverage of net charge-offs (x) | 110.8500% | 769 |
| Efficiency ratio | 68.4572% | 2,178 |
| Assets per employee ($millions) | 6.9096% | 1,999 |
| Cash dividends to net income (ytd only)* | 29.9538% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 3,509 |
| Loan loss allowance to noncurrent loans | 596.5443% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 3,259 |
| Noncurrent loans to loans | 0.1712% | 2,839 |
| Net loans and leases to total assets | 41.4322% | 4,009 |
| Net loans and leases to deposits | 45.4349% | 4,051 |
| Net loans and leases to core deposits | 45.7902% | 4,131 |
| Total domestic deposits to total assets | 91.1902% | 1,149 |
| Equity capital to assets | 2.1988% | 4,719 |
| Core capital (leverage) ratio | 7.0631% | 4,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0330% | 2,048 |
| Memoranda: | ||
| Average total assets | $1,257,082,000 | 817 |
| Average earning assets | $1,217,425,667 | 784 |
| Average equity | $57,538,333 | 1,490 |
| Average total loans | $517,098,000 | 1,139 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7500% | 3,841 |
| Cost of funding earning assets | 0.1044% | 4,075 |
| Net interest margin | 2.6456% | 3,540 |
| Noninterest income to average assets | 0.7280% | 1,226 |
| Noninterest expense to average assets | 2.3001% | 2,501 |
| Loan and lease loss provision to assets | 0.0052% | 2,213 |
| Net operating income to assets | 0.9823% | 1,958 |
| Return on assets (ROA) | 0.9823% | 1,956 |
| Pretax return on assets | 0.9823% | 2,493 |
| Return on Equity (ROE) | 16.8872% | 435 |
| Retained earnings to average equity (ytd only) | 12.5489% | 521 |
| Net charge-offs to loans | -0.0055% | 3,366 |
| Credit loss provision to net charge-offs | -228.5714% | 2,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8960% | 2,244 |
| Assets per employee ($millions) | 6.9897% | 2,005 |
| Cash dividends to net income (ytd only)* | 25.6899% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,404 |
| Loan loss allowance to noncurrent loans | 547.8776% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 2,489 |
| Noncurrent loans to loans | 0.1977% | 2,832 |
| Net loans and leases to total assets | 40.0627% | 4,009 |
| Net loans and leases to deposits | 43.2800% | 4,102 |
| Net loans and leases to core deposits | 43.6873% | 4,176 |
| Total domestic deposits to total assets | 92.5661% | 390 |
| Equity capital to assets | 4.3312% | 4,766 |
| Core capital (leverage) ratio | 7.3222% | 4,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7565% | 1,897 |
| Memoranda: | ||
| Average total assets | $1,239,576,500 | 829 |
| Average earning assets | $1,199,268,000 | 805 |
| Average equity | $72,102,000 | 1,301 |
| Average total loans | $505,214,000 | 1,153 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1299% | 3,624 |
| Cost of funding earning assets | 0.0739% | 4,562 |
| Net interest margin | 3.0560% | 3,033 |
| Noninterest income to average assets | 0.8098% | 1,424 |
| Noninterest expense to average assets | 2.4862% | 2,222 |
| Loan and lease loss provision to assets | 0.0245% | 2,573 |
| Net operating income to assets | 1.2445% | 1,758 |
| Return on assets (ROA) | 1.2445% | 1,817 |
| Pretax return on assets | 1.2445% | 2,536 |
| Return on Equity (ROE) | 16.5784% | 659 |
| Retained earnings to average equity (ytd only) | 11.2006% | 670 |
| Net charge-offs to loans | 0.0226% | 1,804 |
| Credit loss provision to net charge-offs | 226.0870% | 1,228 |
| Earnings coverage of net charge-offs (x) | 117.2870% | 799 |
| Efficiency ratio | 66.1272% | 2,244 |
| Assets per employee ($millions) | 7.1835% | 1,800 |
| Cash dividends to net income (ytd only)* | 32.4388% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 3,317 |
| Loan loss allowance to noncurrent loans | 535.5620% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 2,561 |
| Noncurrent loans to loans | 0.2072% | 2,918 |
| Net loans and leases to total assets | 40.5681% | 4,058 |
| Net loans and leases to deposits | 45.3158% | 4,124 |
| Net loans and leases to core deposits | 45.7444% | 4,195 |
| Total domestic deposits to total assets | 89.5232% | 1,223 |
| Equity capital to assets | 7.3647% | 4,635 |
| Core capital (leverage) ratio | 7.5177% | 4,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2500% | 1,754 |
| Memoranda: | ||
| Average total assets | $1,062,901,600 | 919 |
| Average earning assets | $1,024,449,400 | 888 |
| Average equity | $79,790,600 | 1,212 |
| Average total loans | $509,456,000 | 1,147 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2567% | 3,498 |
| Cost of funding earning assets | 0.0722% | 4,681 |
| Net interest margin | 3.1845% | 2,776 |
| Noninterest income to average assets | 0.8220% | 1,464 |
| Noninterest expense to average assets | 2.6275% | 1,760 |
| Loan and lease loss provision to assets | 0.0199% | 2,602 |
| Net operating income to assets | 1.2381% | 2,028 |
| Return on assets (ROA) | 1.2381% | 2,092 |
| Pretax return on assets | 1.2381% | 2,809 |
| Return on Equity (ROE) | 16.4004% | 869 |
| Retained earnings to average equity (ytd only) | 10.5787% | 1,155 |
| Net charge-offs to loans | 0.0169% | 1,724 |
| Credit loss provision to net charge-offs | 235.3846% | 1,130 |
| Earnings coverage of net charge-offs (x) | 148.8000% | 680 |
| Efficiency ratio | 67.5437% | 1,894 |
| Assets per employee ($millions) | 7.2583% | 1,705 |
| Cash dividends to net income (ytd only)* | 35.4974% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 3,395 |
| Loan loss allowance to noncurrent loans | 485.7904% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 2,714 |
| Noncurrent loans to loans | 0.2285% | 3,028 |
| Net loans and leases to total assets | 41.1855% | 4,133 |
| Net loans and leases to deposits | 46.8147% | 4,195 |
| Net loans and leases to core deposits | 47.1651% | 4,276 |
| Total domestic deposits to total assets | 87.9756% | 1,861 |
| Equity capital to assets | 7.9772% | 4,533 |
| Core capital (leverage) ratio | 7.7723% | 4,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9020% | 1,652 |
| Memoranda: | ||
| Average total assets | $1,025,124,500 | 954 |
| Average earning assets | $986,173,000 | 927 |
| Average equity | $77,386,250 | 1,257 |
| Average total loans | $512,313,000 | 1,163 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3660% | 3,276 |
| Cost of funding earning assets | 0.0732% | 4,726 |
| Net interest margin | 3.2928% | 2,460 |
| Noninterest income to average assets | 0.8484% | 1,395 |
| Noninterest expense to average assets | 2.6596% | 1,690 |
| Loan and lease loss provision to assets | 0.0072% | 2,767 |
| Net operating income to assets | 1.3448% | 1,727 |
| Return on assets (ROA) | 1.3448% | 1,806 |
| Pretax return on assets | 1.3448% | 2,499 |
| Return on Equity (ROE) | 18.2343% | 623 |
| Retained earnings to average equity (ytd only) | 8.9847% | 1,715 |
| Net charge-offs to loans | -0.0046% | 3,409 |
| Credit loss provision to net charge-offs | -291.6667% | 3,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2155% | 2,122 |
| Assets per employee ($millions) | 6.5295% | 2,141 |
| Cash dividends to net income (ytd only)* | 50.7264% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,558 |
| Loan loss allowance to noncurrent loans | 449.7929% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 2,684 |
| Noncurrent loans to loans | 0.2372% | 3,097 |
| Net loans and leases to total assets | 48.1787% | 3,708 |
| Net loans and leases to deposits | 54.2626% | 3,840 |
| Net loans and leases to core deposits | 54.7183% | 3,980 |
| Total domestic deposits to total assets | 88.7881% | 1,393 |
| Equity capital to assets | 6.8731% | 4,869 |
| Core capital (leverage) ratio | 6.2760% | 4,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8264% | 2,766 |
| Memoranda: | ||
| Average total assets | $972,463,667 | 986 |
| Average earning assets | $934,218,333 | 959 |
| Average equity | $71,722,000 | 1,332 |
| Average total loans | $518,837,667 | 1,150 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4396% | 3,088 |
| Cost of funding earning assets | 0.0741% | 4,780 |
| Net interest margin | 3.3656% | 2,204 |
| Noninterest income to average assets | 0.8065% | 1,568 |
| Noninterest expense to average assets | 2.6375% | 1,774 |
| Loan and lease loss provision to assets | 0.0038% | 2,702 |
| Net operating income to assets | 1.3871% | 1,606 |
| Return on assets (ROA) | 1.3871% | 1,687 |
| Pretax return on assets | 1.3871% | 2,314 |
| Return on Equity (ROE) | 18.1193% | 715 |
| Retained earnings to average equity (ytd only) | 4.9163% | 3,244 |
| Net charge-offs to loans | -0.0229% | 4,064 |
| Credit loss provision to net charge-offs | -30.0000% | 2,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3871% | 2,319 |
| Assets per employee ($millions) | 6.4071% | 2,248 |
| Cash dividends to net income (ytd only)* | 72.8673% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,754 |
| Loan loss allowance to noncurrent loans | 605.5866% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 2,987 |
| Noncurrent loans to loans | 0.1691% | 3,500 |
| Net loans and leases to total assets | 53.0794% | 3,336 |
| Net loans and leases to deposits | 59.0055% | 3,562 |
| Net loans and leases to core deposits | 59.4845% | 3,740 |
| Total domestic deposits to total assets | 89.9566% | 839 |
| Equity capital to assets | 6.9490% | 4,857 |
| Core capital (leverage) ratio | 6.5827% | 4,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6719% | 2,774 |
| Memoranda: | ||
| Average total assets | $936,334,500 | 1,005 |
| Average earning assets | $896,376,000 | 984 |
| Average equity | $71,680,500 | 1,324 |
| Average total loans | $523,875,000 | 1,150 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7201% | 3,522 |
| Cost of funding earning assets | 0.1362% | 4,770 |
| Net interest margin | 3.5839% | 2,198 |
| Noninterest income to average assets | 0.8967% | 1,274 |
| Noninterest expense to average assets | 3.0048% | 1,425 |
| Loan and lease loss provision to assets | 0.2301% | 1,689 |
| Net operating income to assets | 1.1018% | 1,921 |
| Return on assets (ROA) | 1.4918% | 903 |
| Pretax return on assets | 1.4918% | 1,357 |
| Return on Equity (ROE) | 17.8675% | 343 |
| Retained earnings to average equity (ytd only) | 14.0490% | 188 |
| Net charge-offs to loans | 0.0574% | 1,959 |
| Credit loss provision to net charge-offs | 677.2563% | 1,012 |
| Earnings coverage of net charge-offs (x) | 39.1986% | 1,409 |
| Efficiency ratio | 69.1794% | 2,070 |
| Assets per employee ($millions) | 5.5029% | 2,842 |
| Cash dividends to net income (ytd only)* | 21.3716% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 3,728 |
| Loan loss allowance to noncurrent loans | 459.5218% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 2,840 |
| Noncurrent loans to loans | 0.2258% | 3,395 |
| Net loans and leases to total assets | 57.9270% | 3,090 |
| Net loans and leases to deposits | 65.8183% | 3,288 |
| Net loans and leases to core deposits | 66.3618% | 3,513 |
| Total domestic deposits to total assets | 88.0104% | 1,466 |
| Equity capital to assets | 8.4422% | 4,489 |
| Core capital (leverage) ratio | 7.0739% | 4,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2089% | 2,546 |
| Memoranda: | ||
| Average total assets | $815,197,200 | 1,040 |
| Average earning assets | $782,472,000 | 1,007 |
| Average equity | $68,062,000 | 1,323 |
| Average total loans | $482,734,400 | 1,175 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6160% | 3,978 |
| Cost of funding earning assets | 0.1548% | 4,792 |
| Net interest margin | 3.4612% | 2,713 |
| Noninterest income to average assets | 0.8827% | 1,274 |
| Noninterest expense to average assets | 3.0312% | 1,374 |
| Loan and lease loss provision to assets | 0.1273% | 2,758 |
| Net operating income to assets | 1.0523% | 2,133 |
| Return on assets (ROA) | 1.5839% | 830 |
| Pretax return on assets | 1.5839% | 1,225 |
| Return on Equity (ROE) | 19.0297% | 295 |
| Retained earnings to average equity (ytd only) | 13.9338% | 256 |
| Net charge-offs to loans | 0.0242% | 2,356 |
| Credit loss provision to net charge-offs | 884.8837% | 913 |
| Earnings coverage of net charge-offs (x) | 82.0349% | 905 |
| Efficiency ratio | 71.8733% | 1,660 |
| Assets per employee ($millions) | 5.2843% | 2,908 |
| Cash dividends to net income (ytd only)* | 26.7786% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 4,368 |
| Loan loss allowance to noncurrent loans | 123.4968% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6083% | 1,904 |
| Noncurrent loans to loans | 0.6440% | 2,183 |
| Net loans and leases to total assets | 63.7575% | 2,796 |
| Net loans and leases to deposits | 73.0692% | 3,026 |
| Net loans and leases to core deposits | 73.6477% | 3,344 |
| Total domestic deposits to total assets | 87.2563% | 1,556 |
| Equity capital to assets | 8.2863% | 4,585 |
| Core capital (leverage) ratio | 6.7624% | 4,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2633% | 2,510 |
| Memoranda: | ||
| Average total assets | $797,504,250 | 1,044 |
| Average earning assets | $766,797,000 | 1,012 |
| Average equity | $66,378,750 | 1,339 |
| Average total loans | $473,769,000 | 1,186 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6355% | 4,203 |
| Cost of funding earning assets | 0.1889% | 4,788 |
| Net interest margin | 3.4466% | 2,953 |
| Noninterest income to average assets | 0.8826% | 1,211 |
| Noninterest expense to average assets | 2.9662% | 1,667 |
| Loan and lease loss provision to assets | 0.1090% | 2,919 |
| Net operating income to assets | 1.1231% | 1,893 |
| Return on assets (ROA) | 1.1645% | 1,875 |
| Pretax return on assets | 1.1645% | 2,478 |
| Return on Equity (ROE) | 13.9673% | 896 |
| Retained earnings to average equity (ytd only) | 12.0797% | 452 |
| Net charge-offs to loans | 0.0261% | 2,198 |
| Credit loss provision to net charge-offs | 725.8621% | 976 |
| Earnings coverage of net charge-offs (x) | 82.0690% | 791 |
| Efficiency ratio | 70.5364% | 1,880 |
| Assets per employee ($millions) | 5.1340% | 3,020 |
| Cash dividends to net income (ytd only)* | 13.5141% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 4,370 |
| Loan loss allowance to noncurrent loans | 88.8341% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 1,729 |
| Noncurrent loans to loans | 0.8855% | 1,725 |
| Net loans and leases to total assets | 58.5221% | 3,467 |
| Net loans and leases to deposits | 66.7082% | 3,663 |
| Net loans and leases to core deposits | 67.1940% | 3,911 |
| Total domestic deposits to total assets | 87.7284% | 1,319 |
| Equity capital to assets | 8.2193% | 4,628 |
| Core capital (leverage) ratio | 6.6530% | 5,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9672% | 2,629 |
| Memoranda: | ||
| Average total assets | $772,701,333 | 1,054 |
| Average earning assets | $743,346,333 | 1,023 |
| Average equity | $64,422,000 | 1,356 |
| Average total loans | $444,903,000 | 1,219 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 4,176 |
| Cost of funding earning assets | 0.2893% | 4,689 |
| Net interest margin | 3.5384% | 2,854 |
| Noninterest income to average assets | 1.0096% | 840 |
| Noninterest expense to average assets | 3.2690% | 1,286 |
| Loan and lease loss provision to assets | 0.0865% | 2,609 |
| Net operating income to assets | 1.0461% | 2,018 |
| Return on assets (ROA) | 1.1359% | 1,843 |
| Pretax return on assets | 1.1359% | 2,410 |
| Return on Equity (ROE) | 13.5044% | 791 |
| Retained earnings to average equity (ytd only) | 9.8997% | 763 |
| Net charge-offs to loans | 0.0396% | 1,643 |
| Credit loss provision to net charge-offs | 387.5000% | 1,029 |
| Earnings coverage of net charge-offs (x) | 50.4250% | 894 |
| Efficiency ratio | 74.1421% | 1,795 |
| Assets per employee ($millions) | 4.6177% | 3,103 |
| Cash dividends to net income (ytd only)* | 26.6930% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 3,930 |
| Loan loss allowance to noncurrent loans | 402.1672% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 3,000 |
| Noncurrent loans to loans | 0.2363% | 3,639 |
| Net loans and leases to total assets | 54.9778% | 3,910 |
| Net loans and leases to deposits | 62.5086% | 4,073 |
| Net loans and leases to core deposits | 63.0575% | 4,228 |
| Total domestic deposits to total assets | 87.9525% | 1,132 |
| Equity capital to assets | 8.2620% | 4,909 |
| Core capital (leverage) ratio | 7.5482% | 5,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4369% | 2,953 |
| Memoranda: | ||
| Average total assets | $712,394,000 | 1,096 |
| Average earning assets | $682,912,500 | 1,062 |
| Average equity | $59,921,000 | 1,422 |
| Average total loans | $403,888,500 | 1,289 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0351% | 4,179 |
| Cost of funding earning assets | 0.3203% | 4,683 |
| Net interest margin | 3.7148% | 2,768 |
| Noninterest income to average assets | 1.0248% | 920 |
| Noninterest expense to average assets | 3.4024% | 1,114 |
| Loan and lease loss provision to assets | 0.0449% | 3,112 |
| Net operating income to assets | 1.1187% | 2,373 |
| Return on assets (ROA) | 1.1719% | 2,265 |
| Pretax return on assets | 1.1719% | 2,943 |
| Return on Equity (ROE) | 14.2413% | 851 |
| Retained earnings to average equity (ytd only) | 8.5160% | 831 |
| Net charge-offs to loans | 0.0429% | 2,534 |
| Credit loss provision to net charge-offs | 178.3133% | 1,461 |
| Earnings coverage of net charge-offs (x) | 46.2108% | 1,193 |
| Efficiency ratio | 74.3663% | 1,564 |
| Assets per employee ($millions) | 4.3142% | 3,487 |
| Cash dividends to net income (ytd only)* | 40.2019% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 3,739 |
| Loan loss allowance to noncurrent loans | 322.1465% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 2,721 |
| Noncurrent loans to loans | 0.2952% | 3,370 |
| Net loans and leases to total assets | 57.4241% | 3,816 |
| Net loans and leases to deposits | 66.7744% | 3,913 |
| Net loans and leases to core deposits | 67.4198% | 4,112 |
| Total domestic deposits to total assets | 85.9972% | 2,070 |
| Equity capital to assets | 8.5719% | 4,881 |
| Core capital (leverage) ratio | 7.6734% | 5,088 |
| Tier 1 risk-based capital ratio | 11.8558% | 4,447 |
| Total risk-based capital ratio | 12.7268% | 4,515 |
| Memoranda: | ||
| Average total assets | $659,247,400 | 1,136 |
| Average earning assets | $628,439,400 | 1,097 |
| Average equity | $54,250,800 | 1,488 |
| Average total loans | $387,299,600 | 1,300 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0643% | 4,230 |
| Cost of funding earning assets | 0.3271% | 4,728 |
| Net interest margin | 3.7372% | 2,799 |
| Noninterest income to average assets | 1.0220% | 897 |
| Noninterest expense to average assets | 3.3277% | 1,209 |
| Loan and lease loss provision to assets | 0.0351% | 3,198 |
| Net operating income to assets | 1.2171% | 2,133 |
| Return on assets (ROA) | 1.2171% | 2,211 |
| Pretax return on assets | 1.2171% | 2,931 |
| Return on Equity (ROE) | 14.9538% | 783 |
| Retained earnings to average equity (ytd only) | 10.1717% | 711 |
| Net charge-offs to loans | 0.0437% | 2,219 |
| Credit loss provision to net charge-offs | 136.5079% | 1,753 |
| Earnings coverage of net charge-offs (x) | 48.6417% | 1,220 |
| Efficiency ratio | 72.5062% | 1,759 |
| Assets per employee ($millions) | 4.2670% | 3,526 |
| Cash dividends to net income (ytd only)* | 31.9792% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 3,789 |
| Loan loss allowance to noncurrent loans | 356.2620% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 2,604 |
| Noncurrent loans to loans | 0.2691% | 3,579 |
| Net loans and leases to total assets | 57.3973% | 3,932 |
| Net loans and leases to deposits | 65.0208% | 4,123 |
| Net loans and leases to core deposits | 65.8025% | 4,287 |
| Total domestic deposits to total assets | 88.2752% | 924 |
| Equity capital to assets | 8.9939% | 4,781 |
| Core capital (leverage) ratio | 7.6939% | 5,164 |
| Tier 1 risk-based capital ratio | 12.1081% | 4,362 |
| Total risk-based capital ratio | 12.9877% | 4,448 |
| Memoranda: | ||
| Average total assets | $652,568,500 | 1,143 |
| Average earning assets | $621,261,500 | 1,109 |
| Average equity | $53,113,500 | 1,519 |
| Average total loans | $384,702,000 | 1,316 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 4,326 |
| Cost of funding earning assets | 0.3288% | 4,739 |
| Net interest margin | 3.6973% | 2,936 |
| Noninterest income to average assets | 1.0052% | 867 |
| Noninterest expense to average assets | 3.2672% | 1,346 |
| Loan and lease loss provision to assets | 0.0228% | 3,348 |
| Net operating income to assets | 1.2261% | 2,048 |
| Return on assets (ROA) | 1.2261% | 2,109 |
| Pretax return on assets | 1.2261% | 2,824 |
| Return on Equity (ROE) | 15.6266% | 654 |
| Retained earnings to average equity (ytd only) | 10.8883% | 562 |
| Net charge-offs to loans | 0.0385% | 2,118 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 54.7027% | 1,038 |
| Efficiency ratio | 72.1869% | 1,893 |
| Assets per employee ($millions) | 4.2417% | 3,508 |
| Cash dividends to net income (ytd only)* | 30.3221% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 3,862 |
| Loan loss allowance to noncurrent loans | 270.5185% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 2,424 |
| Noncurrent loans to loans | 0.3528% | 3,285 |
| Net loans and leases to total assets | 57.6437% | 3,949 |
| Net loans and leases to deposits | 65.9392% | 4,105 |
| Net loans and leases to core deposits | 66.5499% | 4,286 |
| Total domestic deposits to total assets | 87.4195% | 1,377 |
| Equity capital to assets | 8.5316% | 5,027 |
| Core capital (leverage) ratio | 7.5246% | 5,229 |
| Tier 1 risk-based capital ratio | 11.7928% | 4,526 |
| Total risk-based capital ratio | 12.6609% | 4,626 |
| Memoranda: | ||
| Average total assets | $648,208,000 | 1,150 |
| Average earning assets | $615,523,000 | 1,117 |
| Average equity | $50,862,000 | 1,565 |
| Average total loans | $384,348,330 | 1,323 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 4,403 |
| Cost of funding earning assets | 0.3386% | 4,713 |
| Net interest margin | 3.6442% | 3,093 |
| Noninterest income to average assets | 0.9758% | 866 |
| Noninterest expense to average assets | 3.2276% | 1,428 |
| Loan and lease loss provision to assets | 0.0292% | 3,032 |
| Net operating income to assets | 1.1778% | 2,136 |
| Return on assets (ROA) | 1.1778% | 2,186 |
| Pretax return on assets | 1.1778% | 2,885 |
| Return on Equity (ROE) | 15.7108% | 630 |
| Retained earnings to average equity (ytd only) | 14.9812% | 278 |
| Net charge-offs to loans | 0.0322% | 1,808 |
| Credit loss provision to net charge-offs | 151.6129% | 1,225 |
| Earnings coverage of net charge-offs (x) | 62.6452% | 893 |
| Efficiency ratio | 72.6279% | 1,938 |
| Assets per employee ($millions) | 4.3481% | 3,418 |
| Cash dividends to net income (ytd only)* | 4.6438% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 3,963 |
| Loan loss allowance to noncurrent loans | 212.3335% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 2,272 |
| Noncurrent loans to loans | 0.4474% | 2,981 |
| Net loans and leases to total assets | 58.6269% | 3,823 |
| Net loans and leases to deposits | 65.4323% | 4,099 |
| Net loans and leases to core deposits | 66.0616% | 4,274 |
| Total domestic deposits to total assets | 89.5993% | 599 |
| Equity capital to assets | 7.7809% | 5,224 |
| Core capital (leverage) ratio | 7.6591% | 5,266 |
| Tier 1 risk-based capital ratio | 11.6579% | 4,649 |
| Total risk-based capital ratio | 12.5368% | 4,758 |
| Memoranda: | ||
| Average total assets | $643,581,500 | 1,162 |
| Average earning assets | $610,838,500 | 1,128 |
| Average equity | $48,247,000 | 1,632 |
| Average total loans | $385,204,000 | 1,325 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8696% | 4,339 |
| Cost of funding earning assets | 0.2982% | 4,580 |
| Net interest margin | 3.5713% | 3,481 |
| Noninterest income to average assets | 0.9758% | 993 |
| Noninterest expense to average assets | 3.2645% | 1,405 |
| Loan and lease loss provision to assets | 0.0386% | 3,428 |
| Net operating income to assets | 1.0829% | 2,668 |
| Return on assets (ROA) | 1.0803% | 2,672 |
| Pretax return on assets | 1.0803% | 3,347 |
| Return on Equity (ROE) | 15.3666% | 750 |
| Retained earnings to average equity (ytd only) | 6.4687% | 1,941 |
| Net charge-offs to loans | 0.0590% | 2,298 |
| Credit loss provision to net charge-offs | 107.6233% | 2,379 |
| Earnings coverage of net charge-offs (x) | 31.2735% | 1,550 |
| Efficiency ratio | 74.2328% | 1,598 |
| Assets per employee ($millions) | 4.1230% | 3,714 |
| Cash dividends to net income (ytd only)* | 57.9041% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 3,962 |
| Loan loss allowance to noncurrent loans | 199.1276% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 2,144 |
| Noncurrent loans to loans | 0.4771% | 2,841 |
| Net loans and leases to total assets | 59.9601% | 3,784 |
| Net loans and leases to deposits | 69.4414% | 3,866 |
| Net loans and leases to core deposits | 70.1531% | 4,107 |
| Total domestic deposits to total assets | 86.3464% | 2,072 |
| Equity capital to assets | 7.2047% | 5,317 |
| Core capital (leverage) ratio | 7.4175% | 5,331 |
| Tier 1 risk-based capital ratio | 11.8066% | 4,565 |
| Total risk-based capital ratio | 12.7276% | 4,639 |
| Memoranda: | ||
| Average total assets | $621,874,800 | 1,165 |
| Average earning assets | $593,814,000 | 1,127 |
| Average equity | $43,718,200 | 1,708 |
| Average total loans | $378,268,400 | 1,313 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 4,408 |
| Cost of funding earning assets | 0.2697% | 4,676 |
| Net interest margin | 3.5446% | 3,537 |
| Noninterest income to average assets | 1.0272% | 908 |
| Noninterest expense to average assets | 3.3017% | 1,297 |
| Loan and lease loss provision to assets | 0.0349% | 3,310 |
| Net operating income to assets | 1.0725% | 2,772 |
| Return on assets (ROA) | 1.0690% | 2,801 |
| Pretax return on assets | 1.0690% | 3,505 |
| Return on Equity (ROE) | 15.3043% | 823 |
| Retained earnings to average equity (ytd only) | 9.7009% | 1,000 |
| Net charge-offs to loans | 0.0527% | 2,071 |
| Credit loss provision to net charge-offs | 108.7248% | 2,128 |
| Earnings coverage of net charge-offs (x) | 34.4835% | 1,477 |
| Efficiency ratio | 74.6884% | 1,495 |
| Assets per employee ($millions) | 4.2260% | 3,537 |
| Cash dividends to net income (ytd only)* | 36.6128% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 4,047 |
| Loan loss allowance to noncurrent loans | 73.0038% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.1736% | 1,199 |
| Noncurrent loans to loans | 1.3015% | 1,284 |
| Net loans and leases to total assets | 59.5963% | 3,892 |
| Net loans and leases to deposits | 66.9962% | 4,127 |
| Net loans and leases to core deposits | 67.6586% | 4,313 |
| Total domestic deposits to total assets | 88.9548% | 860 |
| Equity capital to assets | 6.7307% | 5,414 |
| Core capital (leverage) ratio | 7.3569% | 5,406 |
| Tier 1 risk-based capital ratio | 11.9139% | 4,545 |
| Total risk-based capital ratio | 12.8362% | 4,627 |
| Memoranda: | ||
| Average total assets | $618,606,750 | 1,174 |
| Average earning assets | $590,212,500 | 1,138 |
| Average equity | $43,211,250 | 1,731 |
| Average total loans | $376,743,750 | 1,322 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7971% | 4,351 |
| Cost of funding earning assets | 0.2455% | 4,773 |
| Net interest margin | 3.5517% | 3,466 |
| Noninterest income to average assets | 1.0322% | 906 |
| Noninterest expense to average assets | 3.3325% | 1,245 |
| Loan and lease loss provision to assets | 0.0144% | 3,587 |
| Net operating income to assets | 1.0704% | 2,714 |
| Return on assets (ROA) | 1.0652% | 2,734 |
| Pretax return on assets | 1.0652% | 3,453 |
| Return on Equity (ROE) | 15.0583% | 839 |
| Retained earnings to average equity (ytd only) | 9.1366% | 1,171 |
| Net charge-offs to loans | 0.0337% | 2,174 |
| Credit loss provision to net charge-offs | 69.8413% | 2,347 |
| Earnings coverage of net charge-offs (x) | 52.6984% | 1,090 |
| Efficiency ratio | 75.2423% | 1,526 |
| Assets per employee ($millions) | 4.2738% | 3,463 |
| Cash dividends to net income (ytd only)* | 39.3252% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9587% | 4,069 |
| Loan loss allowance to noncurrent loans | 68.3425% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.1839% | 1,214 |
| Noncurrent loans to loans | 1.4028% | 1,204 |
| Net loans and leases to total assets | 56.7570% | 4,100 |
| Net loans and leases to deposits | 64.5002% | 4,247 |
| Net loans and leases to core deposits | 65.1824% | 4,415 |
| Total domestic deposits to total assets | 87.9951% | 1,384 |
| Equity capital to assets | 6.5458% | 5,479 |
| Core capital (leverage) ratio | 6.7356% | 5,495 |
| Tier 1 risk-based capital ratio | 11.9936% | 4,500 |
| Total risk-based capital ratio | 12.9376% | 4,574 |
| Memoranda: | ||
| Average total assets | $612,101,330 | 1,188 |
| Average earning assets | $583,386,670 | 1,149 |
| Average equity | $43,298,330 | 1,729 |
| Average total loans | $374,343,000 | 1,323 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7037% | 4,460 |
| Cost of funding earning assets | 0.2163% | 4,921 |
| Net interest margin | 3.4874% | 3,575 |
| Noninterest income to average assets | 1.0281% | 859 |
| Noninterest expense to average assets | 3.4930% | 1,014 |
| Loan and lease loss provision to assets | 0.0054% | 3,437 |
| Net operating income to assets | 0.8474% | 3,516 |
| Return on assets (ROA) | 0.8366% | 3,583 |
| Pretax return on assets | 0.8366% | 4,062 |
| Return on Equity (ROE) | 11.3531% | 1,831 |
| Retained earnings to average equity (ytd only) | 10.6989% | 964 |
| Net charge-offs to loans | 0.0365% | 1,790 |
| Credit loss provision to net charge-offs | 23.5294% | 2,103 |
| Earnings coverage of net charge-offs (x) | 36.9412% | 1,111 |
| Efficiency ratio | 80.1719% | 1,116 |
| Assets per employee ($millions) | 3.9543% | 4,055 |
| Cash dividends to net income (ytd only)* | 5.7630% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 4,106 |
| Loan loss allowance to noncurrent loans | 88.9135% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.0864% | 1,432 |
| Noncurrent loans to loans | 1.0941% | 1,674 |
| Net loans and leases to total assets | 60.7252% | 3,677 |
| Net loans and leases to deposits | 67.6036% | 3,978 |
| Net loans and leases to core deposits | 68.1814% | 4,207 |
| Total domestic deposits to total assets | 89.8254% | 725 |
| Equity capital to assets | 7.0741% | 5,502 |
| Core capital (leverage) ratio | 7.6773% | 5,474 |
| Tier 1 risk-based capital ratio | 12.1490% | 4,461 |
| Total risk-based capital ratio | 13.1210% | 4,515 |
| Memoranda: | ||
| Average total assets | $589,071,000 | 1,233 |
| Average earning assets | $560,413,000 | 1,208 |
| Average equity | $43,406,500 | 1,729 |
| Average total loans | $372,930,000 | 1,330 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 4,268 |
| Cost of funding earning assets | 0.1812% | 5,085 |
| Net interest margin | 3.5478% | 3,350 |
| Noninterest income to average assets | 1.0465% | 924 |
| Noninterest expense to average assets | 3.4963% | 1,045 |
| Loan and lease loss provision to assets | 0.0108% | 4,064 |
| Net operating income to assets | 0.9076% | 2,670 |
| Return on assets (ROA) | 0.9405% | 2,525 |
| Pretax return on assets | 0.9405% | 3,779 |
| Return on Equity (ROE) | 12.2111% | 1,150 |
| Retained earnings to average equity (ytd only) | 2.1251% | 4,045 |
| Net charge-offs to loans | 0.0434% | 2,924 |
| Credit loss provision to net charge-offs | 37.9747% | 3,455 |
| Earnings coverage of net charge-offs (x) | 32.1772% | 1,474 |
| Efficiency ratio | 78.9336% | 1,230 |
| Assets per employee ($millions) | 3.8465% | 4,209 |
| Cash dividends to net income (ytd only)* | 82.5970% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 4,106 |
| Loan loss allowance to noncurrent loans | 92.3057% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.1163% | 1,345 |
| Noncurrent loans to loans | 1.0505% | 1,694 |
| Net loans and leases to total assets | 64.7708% | 3,261 |
| Net loans and leases to deposits | 72.5847% | 3,639 |
| Net loans and leases to core deposits | 73.2438% | 3,949 |
| Total domestic deposits to total assets | 89.2348% | 894 |
| Equity capital to assets | 7.6795% | 5,493 |
| Core capital (leverage) ratio | 7.7288% | 5,515 |
| Tier 1 risk-based capital ratio | 11.9215% | 4,586 |
| Total risk-based capital ratio | 12.9068% | 4,633 |
| Memoranda: | ||
| Average total assets | $553,535,000 | 1,276 |
| Average earning assets | $525,503,600 | 1,245 |
| Average equity | $42,633,200 | 1,748 |
| Average total loans | $363,960,000 | 1,334 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 4,283 |
| Cost of funding earning assets | 0.1802% | 5,138 |
| Net interest margin | 3.5354% | 3,370 |
| Noninterest income to average assets | 1.0632% | 904 |
| Noninterest expense to average assets | 3.4805% | 1,025 |
| Loan and lease loss provision to assets | 0.0090% | 3,950 |
| Net operating income to assets | 0.9308% | 2,880 |
| Return on assets (ROA) | 0.9750% | 2,720 |
| Pretax return on assets | 0.9750% | 3,784 |
| Return on Equity (ROE) | 12.6495% | 1,138 |
| Retained earnings to average equity (ytd only) | -0.4383% | 5,280 |
| Net charge-offs to loans | 0.0365% | 2,707 |
| Credit loss provision to net charge-offs | 37.3737% | 3,017 |
| Earnings coverage of net charge-offs (x) | 39.0596% | 1,325 |
| Efficiency ratio | 78.4760% | 1,265 |
| Assets per employee ($millions) | 3.8391% | 4,249 |
| Cash dividends to net income (ytd only)* | 103.4646% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 4,011 |
| Loan loss allowance to noncurrent loans | 93.4318% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.1287% | 1,465 |
| Noncurrent loans to loans | 1.0779% | 1,786 |
| Net loans and leases to total assets | 63.4874% | 3,489 |
| Net loans and leases to deposits | 71.9754% | 3,777 |
| Net loans and leases to core deposits | 72.6856% | 4,090 |
| Total domestic deposits to total assets | 88.2071% | 1,254 |
| Equity capital to assets | 7.6758% | 5,598 |
| Core capital (leverage) ratio | 7.6571% | 5,602 |
| Tier 1 risk-based capital ratio | 11.9498% | 4,665 |
| Total risk-based capital ratio | 12.9730% | 4,695 |
| Memoranda: | ||
| Average total assets | $548,635,500 | 1,295 |
| Average earning assets | $520,962,250 | 1,265 |
| Average equity | $42,288,000 | 1,771 |
| Average total loans | $361,235,500 | 1,350 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7228% | 4,156 |
| Cost of funding earning assets | 0.1784% | 5,153 |
| Net interest margin | 3.5445% | 3,239 |
| Noninterest income to average assets | 1.0728% | 874 |
| Noninterest expense to average assets | 3.5055% | 1,000 |
| Loan and lease loss provision to assets | 0.0100% | 3,738 |
| Net operating income to assets | 0.9297% | 2,765 |
| Return on assets (ROA) | 0.9968% | 2,491 |
| Pretax return on assets | 0.9968% | 3,580 |
| Return on Equity (ROE) | 12.9139% | 1,056 |
| Retained earnings to average equity (ytd only) | -6.6099% | 5,581 |
| Net charge-offs to loans | 0.0239% | 2,743 |
| Credit loss provision to net charge-offs | 62.7907% | 2,441 |
| Earnings coverage of net charge-offs (x) | 59.2326% | 956 |
| Efficiency ratio | 78.5957% | 1,383 |
| Assets per employee ($millions) | 3.7521% | 4,352 |
| Cash dividends to net income (ytd only)* | 151.1843% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,996 |
| Loan loss allowance to noncurrent loans | 92.0297% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.1705% | 1,458 |
| Noncurrent loans to loans | 1.1133% | 1,762 |
| Net loans and leases to total assets | 64.6808% | 3,291 |
| Net loans and leases to deposits | 73.1340% | 3,633 |
| Net loans and leases to core deposits | 73.8699% | 3,950 |
| Total domestic deposits to total assets | 88.4415% | 1,236 |
| Equity capital to assets | 7.6838% | 5,623 |
| Core capital (leverage) ratio | 7.6247% | 5,628 |
| Tier 1 risk-based capital ratio | 11.8045% | 4,757 |
| Total risk-based capital ratio | 12.8578% | 4,773 |
| Memoranda: | ||
| Average total assets | $542,118,330 | 1,314 |
| Average earning assets | $515,788,000 | 1,288 |
| Average equity | $41,846,330 | 1,786 |
| Average total loans | $360,181,670 | 1,357 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 4,142 |
| Cost of funding earning assets | 0.1798% | 5,153 |
| Net interest margin | 3.5094% | 3,242 |
| Noninterest income to average assets | 1.0636% | 888 |
| Noninterest expense to average assets | 3.5577% | 963 |
| Loan and lease loss provision to assets | 0.0022% | 3,522 |
| Net operating income to assets | 0.8425% | 3,027 |
| Return on assets (ROA) | 0.8448% | 3,059 |
| Pretax return on assets | 0.8448% | 3,955 |
| Return on Equity (ROE) | 10.9183% | 1,597 |
| Retained earnings to average equity (ytd only) | -16.0927% | 5,682 |
| Net charge-offs to loans | 0.0134% | 2,535 |
| Credit loss provision to net charge-offs | 25.0000% | 2,145 |
| Earnings coverage of net charge-offs (x) | 94.2500% | 570 |
| Efficiency ratio | 80.5395% | 1,314 |
| Assets per employee ($millions) | 3.6842% | 4,527 |
| Cash dividends to net income (ytd only)* | 247.3917% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 4,093 |
| Loan loss allowance to noncurrent loans | 96.4767% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.1749% | 1,496 |
| Noncurrent loans to loans | 1.0687% | 1,916 |
| Net loans and leases to total assets | 66.4521% | 2,905 |
| Net loans and leases to deposits | 75.1665% | 3,283 |
| Net loans and leases to core deposits | 75.8669% | 3,662 |
| Total domestic deposits to total assets | 88.4066% | 1,483 |
| Equity capital to assets | 7.6003% | 5,659 |
| Core capital (leverage) ratio | 7.7305% | 5,651 |
| Tier 1 risk-based capital ratio | 11.7648% | 4,876 |
| Total risk-based capital ratio | 12.8238% | 4,883 |
| Memoranda: | ||
| Average total assets | $535,521,500 | 1,332 |
| Average earning assets | $509,484,500 | 1,294 |
| Average equity | $41,435,000 | 1,798 |
| Average total loans | $358,823,500 | 1,368 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 4,262 |
| Cost of funding earning assets | 0.1636% | 5,332 |
| Net interest margin | 3.5202% | 3,358 |
| Noninterest income to average assets | 1.0516% | 1,020 |
| Noninterest expense to average assets | 3.5277% | 1,118 |
| Loan and lease loss provision to assets | -0.0088% | 5,489 |
| Net operating income to assets | 0.8728% | 2,967 |
| Return on assets (ROA) | 0.9101% | 2,883 |
| Pretax return on assets | 0.9101% | 3,814 |
| Return on Equity (ROE) | 10.7002% | 1,691 |
| Retained earnings to average equity (ytd only) | 2.4758% | 4,107 |
| Net charge-offs to loans | 0.0737% | 2,645 |
| Credit loss provision to net charge-offs | -18.2186% | 4,766 |
| Earnings coverage of net charge-offs (x) | 17.8057% | 2,015 |
| Efficiency ratio | 79.9830% | 1,421 |
| Assets per employee ($millions) | 3.6517% | 4,539 |
| Cash dividends to net income (ytd only)* | 76.8616% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 4,028 |
| Loan loss allowance to noncurrent loans | 96.9359% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.1837% | 1,529 |
| Noncurrent loans to loans | 1.0803% | 1,926 |
| Net loans and leases to total assets | 66.1631% | 3,049 |
| Net loans and leases to deposits | 76.8924% | 3,215 |
| Net loans and leases to core deposits | 77.8212% | 3,582 |
| Total domestic deposits to total assets | 86.0463% | 2,557 |
| Equity capital to assets | 7.8756% | 5,615 |
| Core capital (leverage) ratio | 8.2513% | 5,474 |
| Tier 1 risk-based capital ratio | 12.4351% | 4,417 |
| Total risk-based capital ratio | 13.5125% | 4,409 |
| Memoranda: | ||
| Average total assets | $509,052,800 | 1,348 |
| Average earning assets | $483,011,600 | 1,313 |
| Average equity | $43,298,400 | 1,715 |
| Average total loans | $335,211,800 | 1,393 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 4,302 |
| Cost of funding earning assets | 0.1616% | 5,401 |
| Net interest margin | 3.5230% | 3,380 |
| Noninterest income to average assets | 1.0756% | 979 |
| Noninterest expense to average assets | 3.5416% | 1,075 |
| Loan and lease loss provision to assets | -0.0164% | 5,662 |
| Net operating income to assets | 0.8893% | 2,960 |
| Return on assets (ROA) | 0.9396% | 2,833 |
| Pretax return on assets | 0.9396% | 3,849 |
| Return on Equity (ROE) | 10.8343% | 1,735 |
| Retained earnings to average equity (ytd only) | 1.5342% | 4,899 |
| Net charge-offs to loans | 0.0352% | 2,929 |
| Credit loss provision to net charge-offs | -71.2644% | 4,713 |
| Earnings coverage of net charge-offs (x) | 37.8497% | 1,282 |
| Efficiency ratio | 79.8799% | 1,446 |
| Assets per employee ($millions) | 3.5978% | 4,648 |
| Cash dividends to net income (ytd only)* | 85.8391% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 3,743 |
| Loan loss allowance to noncurrent loans | 91.5879% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.3255% | 1,434 |
| Noncurrent loans to loans | 1.2209% | 1,835 |
| Net loans and leases to total assets | 66.1608% | 3,096 |
| Net loans and leases to deposits | 76.7564% | 3,316 |
| Net loans and leases to core deposits | 77.7086% | 3,689 |
| Total domestic deposits to total assets | 86.1958% | 2,264 |
| Equity capital to assets | 8.7561% | 5,358 |
| Core capital (leverage) ratio | 8.2509% | 5,539 |
| Tier 1 risk-based capital ratio | 12.6892% | 4,346 |
| Total risk-based capital ratio | 13.8464% | 4,321 |
| Memoranda: | ||
| Average total assets | $503,030,250 | 1,375 |
| Average earning assets | $476,746,500 | 1,330 |
| Average equity | $43,626,000 | 1,713 |
| Average total loans | $329,895,500 | 1,416 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6702% | 4,384 |
| Cost of funding earning assets | 0.1626% | 5,470 |
| Net interest margin | 3.5076% | 3,466 |
| Noninterest income to average assets | 0.9558% | 1,226 |
| Noninterest expense to average assets | 3.5188% | 1,135 |
| Loan and lease loss provision to assets | 0.0201% | 3,740 |
| Net operating income to assets | 0.7345% | 3,628 |
| Return on assets (ROA) | 0.8108% | 3,392 |
| Pretax return on assets | 0.8108% | 4,242 |
| Return on Equity (ROE) | 9.3805% | 2,321 |
| Retained earnings to average equity (ytd only) | -4.3302% | 5,715 |
| Net charge-offs to loans | 0.0352% | 2,748 |
| Credit loss provision to net charge-offs | 87.7193% | 2,275 |
| Earnings coverage of net charge-offs (x) | 32.9649% | 1,321 |
| Efficiency ratio | 81.9754% | 1,275 |
| Assets per employee ($millions) | 3.4888% | 4,767 |
| Cash dividends to net income (ytd only)* | 146.1615% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 3,505 |
| Loan loss allowance to noncurrent loans | 105.7368% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.5149% | 1,258 |
| Noncurrent loans to loans | 1.1099% | 2,076 |
| Net loans and leases to total assets | 65.5289% | 3,148 |
| Net loans and leases to deposits | 76.7077% | 3,303 |
| Net loans and leases to core deposits | 77.7589% | 3,662 |
| Total domestic deposits to total assets | 85.4268% | 2,678 |
| Equity capital to assets | 8.4520% | 5,622 |
| Core capital (leverage) ratio | 8.1044% | 5,668 |
| Tier 1 risk-based capital ratio | 12.3977% | 4,595 |
| Total risk-based capital ratio | 13.6091% | 4,532 |
| Memoranda: | ||
| Average total assets | $498,013,000 | 1,390 |
| Average earning assets | $471,034,330 | 1,351 |
| Average equity | $43,046,670 | 1,735 |
| Average total loans | $324,313,000 | 1,436 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,384 |
| Cost of funding earning assets | 0.1666% | 5,496 |
| Net interest margin | 3.5141% | 3,411 |
| Noninterest income to average assets | 0.8682% | 1,388 |
| Noninterest expense to average assets | 3.5545% | 1,095 |
| Loan and lease loss provision to assets | 0.0164% | 3,475 |
| Net operating income to assets | 0.6112% | 4,125 |
| Return on assets (ROA) | 0.7552% | 3,566 |
| Pretax return on assets | 0.7552% | 4,351 |
| Return on Equity (ROE) | 8.6364% | 2,587 |
| Retained earnings to average equity (ytd only) | 7.6445% | 1,610 |
| Net charge-offs to loans | 0.0203% | 2,532 |
| Credit loss provision to net charge-offs | 125.0000% | 1,394 |
| Earnings coverage of net charge-offs (x) | 47.9375% | 908 |
| Efficiency ratio | 84.6214% | 1,100 |
| Assets per employee ($millions) | 3.4373% | 4,905 |
| Cash dividends to net income (ytd only)* | 11.4843% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 3,084 |
| Loan loss allowance to noncurrent loans | 106.3903% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.6703% | 1,173 |
| Noncurrent loans to loans | 1.1893% | 2,037 |
| Net loans and leases to total assets | 63.9619% | 3,248 |
| Net loans and leases to deposits | 73.1152% | 3,539 |
| Net loans and leases to core deposits | 74.1733% | 3,877 |
| Total domestic deposits to total assets | 87.4810% | 1,941 |
| Equity capital to assets | 8.9178% | 5,252 |
| Core capital (leverage) ratio | 8.7147% | 5,159 |
| Tier 1 risk-based capital ratio | 13.9171% | 3,742 |
| Total risk-based capital ratio | 15.1678% | 3,676 |
| Memoranda: | ||
| Average total assets | $488,851,000 | 1,417 |
| Average earning assets | $461,002,500 | 1,384 |
| Average equity | $42,749,500 | 1,739 |
| Average total loans | $315,285,500 | 1,464 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7752% | 4,115 |
| Cost of funding earning assets | 0.1800% | 5,456 |
| Net interest margin | 3.5952% | 3,156 |
| Noninterest income to average assets | 0.9084% | 1,419 |
| Noninterest expense to average assets | 3.7482% | 924 |
| Loan and lease loss provision to assets | -0.1657% | 5,945 |
| Net operating income to assets | 0.6912% | 3,860 |
| Return on assets (ROA) | 0.9254% | 2,817 |
| Pretax return on assets | 0.9254% | 3,748 |
| Return on Equity (ROE) | 10.1779% | 1,943 |
| Retained earnings to average equity (ytd only) | 3.7587% | 3,372 |
| Net charge-offs to loans | 0.0450% | 3,314 |
| Credit loss provision to net charge-offs | -566.1765% | 5,462 |
| Earnings coverage of net charge-offs (x) | 17.9559% | 2,042 |
| Efficiency ratio | 87.2350% | 889 |
| Assets per employee ($millions) | 3.3762% | 5,027 |
| Cash dividends to net income (ytd only)* | 63.0698% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 2,966 |
| Loan loss allowance to noncurrent loans | 97.7416% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.8212% | 1,043 |
| Noncurrent loans to loans | 1.3192% | 1,786 |
| Net loans and leases to total assets | 63.3778% | 3,365 |
| Net loans and leases to deposits | 75.0380% | 3,380 |
| Net loans and leases to core deposits | 76.1754% | 3,738 |
| Total domestic deposits to total assets | 84.4610% | 3,304 |
| Equity capital to assets | 8.5700% | 5,503 |
| Core capital (leverage) ratio | 8.6361% | 5,295 |
| Tier 1 risk-based capital ratio | 13.8673% | 3,792 |
| Total risk-based capital ratio | 15.1181% | 3,722 |
| Memoranda: | ||
| Average total assets | $464,682,200 | 1,449 |
| Average earning assets | $434,974,800 | 1,437 |
| Average equity | $42,248,200 | 1,723 |
| Average total loans | $302,302,400 | 1,465 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 4,063 |
| Cost of funding earning assets | 0.1800% | 5,553 |
| Net interest margin | 3.6280% | 3,043 |
| Noninterest income to average assets | 1.0122% | 1,158 |
| Noninterest expense to average assets | 3.8059% | 844 |
| Loan and lease loss provision to assets | -0.1370% | 6,046 |
| Net operating income to assets | 0.7367% | 3,740 |
| Return on assets (ROA) | 0.9234% | 2,932 |
| Pretax return on assets | 0.9234% | 3,907 |
| Return on Equity (ROE) | 10.0043% | 2,104 |
| Retained earnings to average equity (ytd only) | 2.4563% | 4,644 |
| Net charge-offs to loans | 0.0329% | 3,259 |
| Credit loss provision to net charge-offs | -637.8378% | 5,414 |
| Earnings coverage of net charge-offs (x) | 27.9201% | 1,564 |
| Efficiency ratio | 85.9327% | 1,007 |
| Assets per employee ($millions) | 3.3124% | 5,102 |
| Cash dividends to net income (ytd only)* | 75.4479% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 2,365 |
| Loan loss allowance to noncurrent loans | 102.8860% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.9842% | 1,038 |
| Noncurrent loans to loans | 1.4108% | 1,800 |
| Net loans and leases to total assets | 61.9878% | 3,609 |
| Net loans and leases to deposits | 71.2000% | 3,851 |
| Net loans and leases to core deposits | 72.5451% | 4,148 |
| Total domestic deposits to total assets | 87.0614% | 2,005 |
| Equity capital to assets | 8.7651% | 5,519 |
| Core capital (leverage) ratio | 8.7838% | 5,253 |
| Tier 1 risk-based capital ratio | 14.1400% | 3,769 |
| Total risk-based capital ratio | 15.3931% | 3,704 |
| Memoranda: | ||
| Average total assets | $459,310,250 | 1,467 |
| Average earning assets | $429,607,750 | 1,452 |
| Average equity | $42,394,000 | 1,738 |
| Average total loans | $299,840,750 | 1,477 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 3,938 |
| Cost of funding earning assets | 0.1796% | 5,619 |
| Net interest margin | 3.6552% | 2,892 |
| Noninterest income to average assets | 1.0935% | 1,006 |
| Noninterest expense to average assets | 3.8990% | 767 |
| Loan and lease loss provision to assets | 0.0075% | 3,957 |
| Net operating income to assets | 0.5974% | 4,357 |
| Return on assets (ROA) | 1.0161% | 2,418 |
| Pretax return on assets | 1.0161% | 3,516 |
| Return on Equity (ROE) | 10.8160% | 1,740 |
| Retained earnings to average equity (ytd only) | 9.5922% | 756 |
| Net charge-offs to loans | 0.0455% | 2,786 |
| Credit loss provision to net charge-offs | 25.0000% | 2,973 |
| Earnings coverage of net charge-offs (x) | 20.1176% | 1,721 |
| Efficiency ratio | 86.1182% | 1,052 |
| Assets per employee ($millions) | 3.1283% | 5,431 |
| Cash dividends to net income (ytd only)* | 11.3142% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 1,900 |
| Loan loss allowance to noncurrent loans | 94.8504% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 2.2038% | 954 |
| Noncurrent loans to loans | 1.6911% | 1,533 |
| Net loans and leases to total assets | 64.6725% | 3,170 |
| Net loans and leases to deposits | 76.5560% | 3,203 |
| Net loans and leases to core deposits | 77.9686% | 3,574 |
| Total domestic deposits to total assets | 84.4774% | 3,358 |
| Equity capital to assets | 9.1896% | 5,033 |
| Core capital (leverage) ratio | 9.1807% | 4,720 |
| Tier 1 risk-based capital ratio | 14.2551% | 3,791 |
| Total risk-based capital ratio | 15.5097% | 3,714 |
| Memoranda: | ||
| Average total assets | $452,316,000 | 1,504 |
| Average earning assets | $422,030,670 | 1,488 |
| Average equity | $42,492,670 | 1,739 |
| Average total loans | $299,085,000 | 1,485 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9429% | 3,445 |
| Cost of funding earning assets | 0.1790% | 5,687 |
| Net interest margin | 3.7639% | 2,379 |
| Noninterest income to average assets | 1.0721% | 981 |
| Noninterest expense to average assets | 3.8310% | 844 |
| Loan and lease loss provision to assets | 0.0036% | 3,662 |
| Net operating income to assets | 0.7365% | 3,610 |
| Return on assets (ROA) | 1.5840% | 765 |
| Pretax return on assets | 1.5840% | 1,306 |
| Return on Equity (ROE) | 16.6722% | 501 |
| Retained earnings to average equity (ytd only) | 15.4759% | 244 |
| Net charge-offs to loans | 0.0823% | 1,886 |
| Credit loss provision to net charge-offs | 6.5574% | 2,453 |
| Earnings coverage of net charge-offs (x) | 13.5574% | 1,718 |
| Efficiency ratio | 83.3594% | 1,446 |
| Assets per employee ($millions) | 3.0518% | 5,602 |
| Cash dividends to net income (ytd only)* | 7.1751% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 1,959 |
| Loan loss allowance to noncurrent loans | 81.4536% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 2.2439% | 1,014 |
| Noncurrent loans to loans | 1.9944% | 1,309 |
| Net loans and leases to total assets | 64.4877% | 3,031 |
| Net loans and leases to deposits | 74.7092% | 3,199 |
| Net loans and leases to core deposits | 76.0719% | 3,588 |
| Total domestic deposits to total assets | 86.3182% | 2,757 |
| Equity capital to assets | 9.4754% | 4,778 |
| Core capital (leverage) ratio | 9.4409% | 4,365 |
| Tier 1 risk-based capital ratio | 12.6268% | 4,824 |
| Total risk-based capital ratio | 13.8782% | 4,743 |
| Memoranda: | ||
| Average total assets | $446,983,000 | 1,530 |
| Average earning assets | $415,527,000 | 1,512 |
| Average equity | $42,466,000 | 1,750 |
| Average total loans | $296,476,000 | 1,493 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 3,356 |
| Cost of funding earning assets | 0.1891% | 5,841 |
| Net interest margin | 3.9022% | 2,234 |
| Noninterest income to average assets | 0.9726% | 1,278 |
| Noninterest expense to average assets | 3.8360% | 939 |
| Loan and lease loss provision to assets | 0.0123% | 4,374 |
| Net operating income to assets | 0.7546% | 3,604 |
| Return on assets (ROA) | 0.8113% | 3,401 |
| Pretax return on assets | 0.8113% | 4,214 |
| Return on Equity (ROE) | 8.9658% | 2,602 |
| Retained earnings to average equity (ytd only) | 3.9177% | 3,424 |
| Net charge-offs to loans | 0.2166% | 1,936 |
| Credit loss provision to net charge-offs | 8.6400% | 4,116 |
| Earnings coverage of net charge-offs (x) | 5.3856% | 3,432 |
| Efficiency ratio | 82.7897% | 1,555 |
| Assets per employee ($millions) | 3.0291% | 5,662 |
| Cash dividends to net income (ytd only)* | 56.3044% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6837% | 1,815 |
| Loan loss allowance to noncurrent loans | 80.9157% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 2.5347% | 903 |
| Noncurrent loans to loans | 2.0808% | 1,312 |
| Net loans and leases to total assets | 66.0118% | 2,880 |
| Net loans and leases to deposits | 77.6209% | 3,014 |
| Net loans and leases to core deposits | 79.1292% | 3,395 |
| Total domestic deposits to total assets | 85.0439% | 3,264 |
| Equity capital to assets | 9.5270% | 4,692 |
| Core capital (leverage) ratio | 9.0461% | 4,914 |
| Tier 1 risk-based capital ratio | 13.9371% | 4,136 |
| Total risk-based capital ratio | 15.1928% | 4,065 |
| Memoranda: | ||
| Average total assets | $438,925,200 | 1,514 |
| Average earning assets | $408,329,400 | 1,499 |
| Average equity | $39,717,600 | 1,787 |
| Average total loans | $288,526,800 | 1,481 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 3,432 |
| Cost of funding earning assets | 0.1898% | 5,913 |
| Net interest margin | 3.8969% | 2,257 |
| Noninterest income to average assets | 1.0057% | 1,213 |
| Noninterest expense to average assets | 3.7466% | 1,046 |
| Loan and lease loss provision to assets | 0.0155% | 4,098 |
| Net operating income to assets | 0.8686% | 3,082 |
| Return on assets (ROA) | 0.8820% | 3,110 |
| Pretax return on assets | 0.8820% | 4,067 |
| Return on Equity (ROE) | 9.8763% | 2,278 |
| Retained earnings to average equity (ytd only) | 8.7793% | 1,068 |
| Net charge-offs to loans | 0.0835% | 3,010 |
| Credit loss provision to net charge-offs | 28.3333% | 3,478 |
| Earnings coverage of net charge-offs (x) | 16.1947% | 1,997 |
| Efficiency ratio | 80.3576% | 1,862 |
| Assets per employee ($millions) | 3.0611% | 5,663 |
| Cash dividends to net income (ytd only)* | 11.1074% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8330% | 1,623 |
| Loan loss allowance to noncurrent loans | 80.4765% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 3.0831% | 750 |
| Noncurrent loans to loans | 2.2777% | 1,316 |
| Net loans and leases to total assets | 63.9231% | 3,182 |
| Net loans and leases to deposits | 75.3078% | 3,275 |
| Net loans and leases to core deposits | 76.7784% | 3,660 |
| Total domestic deposits to total assets | 84.8825% | 3,386 |
| Equity capital to assets | 9.2552% | 5,078 |
| Core capital (leverage) ratio | 9.1582% | 4,837 |
| Tier 1 risk-based capital ratio | 14.0466% | 4,175 |
| Total risk-based capital ratio | 15.3031% | 4,117 |
| Memoranda: | ||
| Average total assets | $439,609,000 | 1,526 |
| Average earning assets | $408,932,000 | 1,505 |
| Average equity | $39,258,000 | 1,814 |
| Average total loans | $287,441,500 | 1,498 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 3,360 |
| Cost of funding earning assets | 0.1893% | 6,009 |
| Net interest margin | 3.9072% | 2,132 |
| Noninterest income to average assets | 0.9460% | 1,340 |
| Noninterest expense to average assets | 3.6978% | 1,142 |
| Loan and lease loss provision to assets | 0.0151% | 3,959 |
| Net operating income to assets | 0.8680% | 2,966 |
| Return on assets (ROA) | 0.9345% | 2,733 |
| Pretax return on assets | 0.9345% | 3,743 |
| Return on Equity (ROE) | 10.5975% | 1,895 |
| Retained earnings to average equity (ytd only) | 9.5939% | 818 |
| Net charge-offs to loans | 0.1436% | 2,240 |
| Credit loss provision to net charge-offs | 16.0976% | 3,243 |
| Earnings coverage of net charge-offs (x) | 9.3951% | 2,361 |
| Efficiency ratio | 80.1602% | 2,003 |
| Assets per employee ($millions) | 3.1280% | 5,551 |
| Cash dividends to net income (ytd only)* | 9.4701% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 1,764 |
| Loan loss allowance to noncurrent loans | 57.0190% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 3.8324% | 581 |
| Noncurrent loans to loans | 3.2078% | 881 |
| Net loans and leases to total assets | 63.0629% | 3,228 |
| Net loans and leases to deposits | 74.0339% | 3,311 |
| Net loans and leases to core deposits | 75.5759% | 3,666 |
| Total domestic deposits to total assets | 85.1812% | 3,414 |
| Equity capital to assets | 8.9320% | 5,379 |
| Core capital (leverage) ratio | 8.9660% | 5,070 |
| Tier 1 risk-based capital ratio | 13.6270% | 4,505 |
| Total risk-based capital ratio | 14.8837% | 4,445 |
| Memoranda: | ||
| Average total assets | $436,153,670 | 1,535 |
| Average earning assets | $405,767,330 | 1,508 |
| Average equity | $38,462,000 | 1,839 |
| Average total loans | $285,585,670 | 1,497 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0934% | 3,309 |
| Cost of funding earning assets | 0.1892% | 6,082 |
| Net interest margin | 3.9041% | 2,069 |
| Noninterest income to average assets | 1.1482% | 845 |
| Noninterest expense to average assets | 3.7263% | 1,090 |
| Loan and lease loss provision to assets | -0.0066% | 6,385 |
| Net operating income to assets | 1.0584% | 1,971 |
| Return on assets (ROA) | 1.0471% | 2,087 |
| Pretax return on assets | 1.0471% | 3,147 |
| Return on Equity (ROE) | 11.9561% | 1,419 |
| Retained earnings to average equity (ytd only) | 11.2830% | 707 |
| Net charge-offs to loans | -0.0028% | 4,734 |
| Credit loss provision to net charge-offs | 350.0000% | 711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4383% | 2,566 |
| Assets per employee ($millions) | 3.1958% | 5,531 |
| Cash dividends to net income (ytd only)* | 5.6300% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9338% | 1,664 |
| Loan loss allowance to noncurrent loans | 55.7517% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 3.7097% | 677 |
| Noncurrent loans to loans | 3.4687% | 852 |
| Net loans and leases to total assets | 61.8514% | 3,264 |
| Net loans and leases to deposits | 71.1310% | 3,454 |
| Net loans and leases to core deposits | 72.6686% | 3,800 |
| Total domestic deposits to total assets | 86.9542% | 2,837 |
| Equity capital to assets | 8.5556% | 5,594 |
| Core capital (leverage) ratio | 9.2178% | 4,697 |
| Tier 1 risk-based capital ratio | 13.8916% | 4,399 |
| Total risk-based capital ratio | 15.1500% | 4,342 |
| Memoranda: | ||
| Average total assets | $427,451,500 | 1,573 |
| Average earning assets | $397,424,500 | 1,549 |
| Average equity | $37,437,000 | 1,874 |
| Average total loans | $282,700,500 | 1,516 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 3,521 |
| Cost of funding earning assets | 0.2431% | 6,013 |
| Net interest margin | 3.9123% | 2,246 |
| Noninterest income to average assets | 1.1397% | 1,080 |
| Noninterest expense to average assets | 3.9988% | 879 |
| Loan and lease loss provision to assets | 0.1128% | 2,929 |
| Net operating income to assets | 0.6495% | 4,032 |
| Return on assets (ROA) | 0.6562% | 4,106 |
| Pretax return on assets | 0.6562% | 4,677 |
| Return on Equity (ROE) | 7.6001% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.6001% | 1,197 |
| Net charge-offs to loans | 0.4954% | 1,339 |
| Credit loss provision to net charge-offs | 33.2857% | 4,178 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 4,264 |
| Efficiency ratio | 83.3045% | 1,714 |
| Assets per employee ($millions) | 2.7883% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9563% | 1,659 |
| Loan loss allowance to noncurrent loans | 50.3847% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 4.4242% | 577 |
| Noncurrent loans to loans | 3.8827% | 761 |
| Net loans and leases to total assets | 68.1919% | 2,324 |
| Net loans and leases to deposits | 78.8553% | 2,609 |
| Net loans and leases to core deposits | 80.4678% | 3,068 |
| Total domestic deposits to total assets | 86.4773% | 3,007 |
| Equity capital to assets | 8.9840% | 5,053 |
| Core capital (leverage) ratio | 9.4772% | 4,302 |
| Tier 1 risk-based capital ratio | 13.7749% | 4,458 |
| Total risk-based capital ratio | 15.0335% | 4,395 |
| Memoranda: | ||
| Average total assets | $413,270,600 | 1,596 |
| Average earning assets | $382,540,400 | 1,582 |
| Average equity | $35,683,600 | 1,929 |
| Average total loans | $282,594,600 | 1,495 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 3,762 |
| Cost of funding earning assets | 0.2547% | 6,049 |
| Net interest margin | 3.8446% | 2,485 |
| Noninterest income to average assets | 1.1805% | 1,054 |
| Noninterest expense to average assets | 3.9305% | 929 |
| Loan and lease loss provision to assets | 0.0793% | 3,476 |
| Net operating income to assets | 0.7310% | 3,694 |
| Return on assets (ROA) | 0.7396% | 3,776 |
| Pretax return on assets | 0.7396% | 4,540 |
| Return on Equity (ROE) | 8.6512% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.6512% | 1,171 |
| Net charge-offs to loans | 0.4104% | 1,567 |
| Credit loss provision to net charge-offs | 28.3582% | 3,926 |
| Earnings coverage of net charge-offs (x) | 2.8990% | 3,873 |
| Efficiency ratio | 82.2255% | 1,802 |
| Assets per employee ($millions) | 2.8048% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0367% | 1,638 |
| Loan loss allowance to noncurrent loans | 54.6198% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 4.3868% | 692 |
| Noncurrent loans to loans | 3.7289% | 989 |
| Net loans and leases to total assets | 68.2543% | 2,258 |
| Net loans and leases to deposits | 80.6598% | 2,313 |
| Net loans and leases to core deposits | 82.4595% | 2,831 |
| Total domestic deposits to total assets | 84.6199% | 3,921 |
| Equity capital to assets | 8.8109% | 5,407 |
| Core capital (leverage) ratio | 9.2487% | 4,760 |
| Tier 1 risk-based capital ratio | 13.4558% | 4,791 |
| Total risk-based capital ratio | 14.7158% | 4,729 |
| Memoranda: | ||
| Average total assets | $415,514,000 | 1,597 |
| Average earning assets | $384,776,750 | 1,576 |
| Average equity | $35,524,000 | 1,955 |
| Average total loans | $282,943,500 | 1,502 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 4,114 |
| Cost of funding earning assets | 0.2670% | 6,059 |
| Net interest margin | 3.7325% | 2,832 |
| Noninterest income to average assets | 1.1132% | 1,227 |
| Noninterest expense to average assets | 3.9160% | 961 |
| Loan and lease loss provision to assets | 0.1097% | 2,968 |
| Net operating income to assets | 0.5423% | 4,592 |
| Return on assets (ROA) | 0.5557% | 4,700 |
| Pretax return on assets | 0.5557% | 5,183 |
| Return on Equity (ROE) | 6.5651% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.5651% | 2,111 |
| Net charge-offs to loans | 0.6110% | 1,082 |
| Credit loss provision to net charge-offs | 26.5661% | 3,643 |
| Earnings coverage of net charge-offs (x) | 1.5789% | 4,000 |
| Efficiency ratio | 85.0252% | 1,526 |
| Assets per employee ($millions) | 3.0274% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0886% | 1,657 |
| Loan loss allowance to noncurrent loans | 42.7057% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 4.8987% | 631 |
| Noncurrent loans to loans | 4.8906% | 680 |
| Net loans and leases to total assets | 64.1756% | 2,884 |
| Net loans and leases to deposits | 73.8379% | 3,183 |
| Net loans and leases to core deposits | 75.5005% | 3,606 |
| Total domestic deposits to total assets | 86.9141% | 2,872 |
| Equity capital to assets | 8.3172% | 5,956 |
| Core capital (leverage) ratio | 8.5908% | 5,568 |
| Tier 1 risk-based capital ratio | 13.3787% | 4,856 |
| Total risk-based capital ratio | 14.6393% | 4,800 |
| Memoranda: | ||
| Average total assets | $417,517,330 | 1,591 |
| Average earning assets | $386,447,670 | 1,571 |
| Average equity | $35,338,330 | 1,969 |
| Average total loans | $282,153,000 | 1,507 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 4,148 |
| Cost of funding earning assets | 0.2892% | 6,050 |
| Net interest margin | 3.7035% | 2,837 |
| Noninterest income to average assets | 1.0744% | 1,286 |
| Noninterest expense to average assets | 3.8826% | 1,017 |
| Loan and lease loss provision to assets | 0.2104% | 1,758 |
| Net operating income to assets | 0.4180% | 5,056 |
| Return on assets (ROA) | 0.4180% | 5,207 |
| Pretax return on assets | 0.4180% | 5,509 |
| Return on Equity (ROE) | 4.8951% | 4,631 |
| Retained earnings to average equity (ytd only) | 4.8951% | 3,299 |
| Net charge-offs to loans | 0.0774% | 3,067 |
| Credit loss provision to net charge-offs | 396.3636% | 642 |
| Earnings coverage of net charge-offs (x) | 11.8364% | 1,646 |
| Efficiency ratio | 85.3627% | 1,601 |
| Assets per employee ($millions) | 3.0011% | 5,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3601% | 1,316 |
| Loan loss allowance to noncurrent loans | 43.1919% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 5.3074% | 662 |
| Noncurrent loans to loans | 5.4642% | 662 |
| Net loans and leases to total assets | 64.9689% | 2,543 |
| Net loans and leases to deposits | 74.4799% | 2,859 |
| Net loans and leases to core deposits | 76.2464% | 3,288 |
| Total domestic deposits to total assets | 87.2302% | 2,809 |
| Equity capital to assets | 8.4123% | 6,089 |
| Core capital (leverage) ratio | 8.0564% | 6,088 |
| Tier 1 risk-based capital ratio | 12.3637% | 5,667 |
| Total risk-based capital ratio | 13.6278% | 5,609 |
| Memoranda: | ||
| Average total assets | $414,360,500 | 1,616 |
| Average earning assets | $384,499,000 | 1,596 |
| Average equity | $35,382,000 | 1,993 |
| Average total loans | $284,330,500 | 1,489 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4145% | 3,758 |
| Cost of funding earning assets | 0.4796% | 5,356 |
| Net interest margin | 3.9348% | 2,672 |
| Noninterest income to average assets | 0.9257% | 1,784 |
| Noninterest expense to average assets | 3.8032% | 1,246 |
| Loan and lease loss provision to assets | 0.7587% | 661 |
| Net operating income to assets | 0.0373% | 6,107 |
| Return on assets (ROA) | 0.4732% | 5,044 |
| Pretax return on assets | 0.4732% | 5,361 |
| Return on Equity (ROE) | 5.7148% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.7148% | 2,242 |
| Net charge-offs to loans | 1.3872% | 665 |
| Credit loss provision to net charge-offs | 76.2447% | 3,957 |
| Earnings coverage of net charge-offs (x) | 0.7999% | 5,074 |
| Efficiency ratio | 81.8569% | 1,883 |
| Assets per employee ($millions) | 2.8572% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2259% | 1,510 |
| Loan loss allowance to noncurrent loans | 41.0212% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 5.5838% | 662 |
| Noncurrent loans to loans | 5.4262% | 687 |
| Net loans and leases to total assets | 69.1828% | 2,001 |
| Net loans and leases to deposits | 78.5040% | 2,463 |
| Net loans and leases to core deposits | 80.5884% | 2,930 |
| Total domestic deposits to total assets | 88.1265% | 2,149 |
| Equity capital to assets | 8.6692% | 5,882 |
| Core capital (leverage) ratio | 8.1623% | 6,033 |
| Tier 1 risk-based capital ratio | 12.0289% | 5,771 |
| Total risk-based capital ratio | 13.2919% | 5,716 |
| Memoranda: | ||
| Average total assets | $423,880,600 | 1,551 |
| Average earning assets | $395,721,600 | 1,523 |
| Average equity | $35,101,800 | 1,969 |
| Average total loans | $304,072,800 | 1,377 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 3,827 |
| Cost of funding earning assets | 0.5251% | 5,272 |
| Net interest margin | 3.9256% | 2,819 |
| Noninterest income to average assets | 0.8186% | 2,161 |
| Noninterest expense to average assets | 3.6554% | 1,445 |
| Loan and lease loss provision to assets | 0.5742% | 1,000 |
| Net operating income to assets | 0.2594% | 5,754 |
| Return on assets (ROA) | 0.7425% | 3,974 |
| Pretax return on assets | 0.7425% | 4,698 |
| Return on Equity (ROE) | 9.0683% | 2,767 |
| Retained earnings to average equity (ytd only) | 9.0683% | 1,203 |
| Net charge-offs to loans | 1.2301% | 786 |
| Credit loss provision to net charge-offs | 64.8592% | 4,029 |
| Earnings coverage of net charge-offs (x) | 0.9415% | 4,854 |
| Efficiency ratio | 80.5833% | 2,005 |
| Assets per employee ($millions) | 2.9550% | 6,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1542% | 1,796 |
| Loan loss allowance to noncurrent loans | 26.9144% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 6.5347% | 575 |
| Noncurrent loans to loans | 8.0039% | 391 |
| Net loans and leases to total assets | 70.6946% | 1,784 |
| Net loans and leases to deposits | 80.7268% | 2,285 |
| Net loans and leases to core deposits | 83.2309% | 2,792 |
| Total domestic deposits to total assets | 87.5727% | 2,307 |
| Equity capital to assets | 8.7157% | 6,091 |
| Core capital (leverage) ratio | 7.9904% | 6,338 |
| Tier 1 risk-based capital ratio | 11.8412% | 6,033 |
| Total risk-based capital ratio | 13.1034% | 6,006 |
| Memoranda: | ||
| Average total assets | $427,707,250 | 1,553 |
| Average earning assets | $399,894,750 | 1,525 |
| Average equity | $35,022,250 | 1,996 |
| Average total loans | $307,816,500 | 1,374 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 3,699 |
| Cost of funding earning assets | 0.5631% | 5,202 |
| Net interest margin | 3.9537% | 2,707 |
| Noninterest income to average assets | 0.8863% | 1,833 |
| Noninterest expense to average assets | 3.7680% | 1,265 |
| Loan and lease loss provision to assets | 0.6009% | 991 |
| Net operating income to assets | 0.2132% | 5,877 |
| Return on assets (ROA) | 0.4931% | 5,103 |
| Pretax return on assets | 0.4931% | 5,457 |
| Return on Equity (ROE) | 6.1481% | 4,247 |
| Retained earnings to average equity (ytd only) | 6.1481% | 2,612 |
| Net charge-offs to loans | 1.1049% | 983 |
| Credit loss provision to net charge-offs | 75.6552% | 3,442 |
| Earnings coverage of net charge-offs (x) | 1.0250% | 4,512 |
| Efficiency ratio | 81.4153% | 1,974 |
| Assets per employee ($millions) | 3.0688% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3123% | 1,569 |
| Loan loss allowance to noncurrent loans | 30.3853% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 6.1900% | 678 |
| Noncurrent loans to loans | 7.6100% | 471 |
| Net loans and leases to total assets | 69.0192% | 2,096 |
| Net loans and leases to deposits | 78.4148% | 2,610 |
| Net loans and leases to core deposits | 81.0814% | 3,074 |
| Total domestic deposits to total assets | 88.0181% | 2,129 |
| Equity capital to assets | 8.1393% | 6,494 |
| Core capital (leverage) ratio | 7.3197% | 6,709 |
| Tier 1 risk-based capital ratio | 11.3241% | 6,330 |
| Total risk-based capital ratio | 12.5888% | 6,293 |
| Memoranda: | ||
| Average total assets | $432,375,670 | 1,537 |
| Average earning assets | $404,179,330 | 1,508 |
| Average equity | $34,677,330 | 1,996 |
| Average total loans | $310,787,330 | 1,366 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5111% | 3,864 |
| Cost of funding earning assets | 0.5920% | 5,195 |
| Net interest margin | 3.9191% | 2,844 |
| Noninterest income to average assets | 0.8466% | 1,959 |
| Noninterest expense to average assets | 3.8834% | 1,086 |
| Loan and lease loss provision to assets | 0.1863% | 3,105 |
| Net operating income to assets | 0.4463% | 5,053 |
| Return on assets (ROA) | 0.4463% | 5,245 |
| Pretax return on assets | 0.4463% | 5,596 |
| Return on Equity (ROE) | 5.6065% | 4,497 |
| Retained earnings to average equity (ytd only) | 5.6065% | 3,196 |
| Net charge-offs to loans | 0.7812% | 1,314 |
| Credit loss provision to net charge-offs | 32.8990% | 3,573 |
| Earnings coverage of net charge-offs (x) | 1.1173% | 3,774 |
| Efficiency ratio | 85.1542% | 1,567 |
| Assets per employee ($millions) | 3.1516% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2640% | 1,752 |
| Loan loss allowance to noncurrent loans | 26.8519% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 6.7620% | 646 |
| Noncurrent loans to loans | 8.4313% | 432 |
| Net loans and leases to total assets | 69.2272% | 1,904 |
| Net loans and leases to deposits | 78.5944% | 2,398 |
| Net loans and leases to core deposits | 81.6623% | 2,877 |
| Total domestic deposits to total assets | 88.0816% | 2,261 |
| Equity capital to assets | 7.9488% | 6,554 |
| Core capital (leverage) ratio | 7.3149% | 6,720 |
| Tier 1 risk-based capital ratio | 10.8806% | 6,587 |
| Total risk-based capital ratio | 12.1450% | 6,571 |
| Memoranda: | ||
| Average total assets | $433,748,500 | 1,538 |
| Average earning assets | $406,110,000 | 1,496 |
| Average equity | $34,531,500 | 2,003 |
| Average total loans | $314,408,000 | 1,353 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7160% | 4,181 |
| Cost of funding earning assets | 0.9295% | 3,880 |
| Net interest margin | 3.7865% | 3,897 |
| Noninterest income to average assets | 0.7332% | 2,427 |
| Noninterest expense to average assets | 3.4754% | 2,050 |
| Loan and lease loss provision to assets | 0.5301% | 1,975 |
| Net operating income to assets | 0.2669% | 5,380 |
| Return on assets (ROA) | 0.6307% | 4,030 |
| Pretax return on assets | 0.6307% | 4,590 |
| Return on Equity (ROE) | 8.9886% | 2,455 |
| Retained earnings to average equity (ytd only) | 8.9886% | 804 |
| Net charge-offs to loans | 0.8587% | 2,020 |
| Credit loss provision to net charge-offs | 88.0944% | 4,096 |
| Earnings coverage of net charge-offs (x) | 1.3245% | 4,783 |
| Efficiency ratio | 80.3394% | 2,257 |
| Assets per employee ($millions) | 3.1344% | 5,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3349% | 1,567 |
| Loan loss allowance to noncurrent loans | 26.1121% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 7.2316% | 626 |
| Noncurrent loans to loans | 8.9416% | 397 |
| Net loans and leases to total assets | 72.4432% | 1,567 |
| Net loans and leases to deposits | 82.1925% | 2,176 |
| Net loans and leases to core deposits | 85.8987% | 2,646 |
| Total domestic deposits to total assets | 88.1384% | 2,067 |
| Equity capital to assets | 7.9738% | 6,590 |
| Core capital (leverage) ratio | 7.0253% | 6,855 |
| Tier 1 risk-based capital ratio | 10.4409% | 6,709 |
| Total risk-based capital ratio | 11.7061% | 6,686 |
| Memoranda: | ||
| Average total assets | $457,872,200 | 1,435 |
| Average earning assets | $427,970,800 | 1,413 |
| Average equity | $32,129,600 | 2,069 |
| Average total loans | $320,852,400 | 1,321 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 4,439 |
| Cost of funding earning assets | 0.9969% | 3,694 |
| Net interest margin | 3.7078% | 4,301 |
| Noninterest income to average assets | 0.6916% | 2,654 |
| Noninterest expense to average assets | 3.2886% | 2,534 |
| Loan and lease loss provision to assets | 0.4863% | 2,043 |
| Net operating income to assets | 0.3796% | 5,082 |
| Return on assets (ROA) | 0.5310% | 4,591 |
| Pretax return on assets | 0.5310% | 5,038 |
| Return on Equity (ROE) | 7.8137% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.8137% | 1,585 |
| Net charge-offs to loans | 0.9026% | 1,771 |
| Credit loss provision to net charge-offs | 77.9412% | 4,211 |
| Earnings coverage of net charge-offs (x) | 1.3879% | 4,586 |
| Efficiency ratio | 78.1351% | 2,529 |
| Assets per employee ($millions) | 3.3604% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2925% | 1,701 |
| Loan loss allowance to noncurrent loans | 30.8634% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 5.9356% | 904 |
| Noncurrent loans to loans | 7.4280% | 642 |
| Net loans and leases to total assets | 67.4423% | 2,586 |
| Net loans and leases to deposits | 76.5179% | 3,246 |
| Net loans and leases to core deposits | 82.8818% | 3,208 |
| Total domestic deposits to total assets | 88.1393% | 1,963 |
| Equity capital to assets | 7.5272% | 6,924 |
| Core capital (leverage) ratio | 6.5684% | 7,061 |
| Tier 1 risk-based capital ratio | 9.9051% | 6,980 |
| Total risk-based capital ratio | 11.1693% | 6,964 |
| Memoranda: | ||
| Average total assets | $464,985,750 | 1,427 |
| Average earning assets | $434,286,500 | 1,406 |
| Average equity | $31,601,750 | 2,098 |
| Average total loans | $321,435,250 | 1,330 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7239% | 4,426 |
| Cost of funding earning assets | 1.0452% | 3,639 |
| Net interest margin | 3.6787% | 4,363 |
| Noninterest income to average assets | 0.6902% | 2,604 |
| Noninterest expense to average assets | 3.3057% | 2,537 |
| Loan and lease loss provision to assets | 0.3074% | 2,954 |
| Net operating income to assets | 0.5084% | 4,462 |
| Return on assets (ROA) | 0.7348% | 3,486 |
| Pretax return on assets | 0.7348% | 4,263 |
| Return on Equity (ROE) | 11.2082% | 1,724 |
| Retained earnings to average equity (ytd only) | 11.2082% | 631 |
| Net charge-offs to loans | 0.8083% | 1,886 |
| Credit loss provision to net charge-offs | 54.9847% | 4,456 |
| Earnings coverage of net charge-offs (x) | 1.4594% | 4,189 |
| Efficiency ratio | 79.1762% | 2,523 |
| Assets per employee ($millions) | 3.3695% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2317% | 1,855 |
| Loan loss allowance to noncurrent loans | 27.6417% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 6.1667% | 898 |
| Noncurrent loans to loans | 8.0736% | 559 |
| Net loans and leases to total assets | 68.1204% | 2,590 |
| Net loans and leases to deposits | 78.4852% | 3,043 |
| Net loans and leases to core deposits | 84.9732% | 3,077 |
| Total domestic deposits to total assets | 86.7939% | 2,859 |
| Equity capital to assets | 6.8999% | 7,123 |
| Core capital (leverage) ratio | 6.4307% | 7,138 |
| Tier 1 risk-based capital ratio | 9.6489% | 7,076 |
| Total risk-based capital ratio | 10.9119% | 7,075 |
| Memoranda: | ||
| Average total assets | $466,524,000 | 1,437 |
| Average earning assets | $435,150,670 | 1,411 |
| Average equity | $30,584,670 | 2,151 |
| Average total loans | $322,657,000 | 1,332 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7258% | 4,390 |
| Cost of funding earning assets | 1.0782% | 3,665 |
| Net interest margin | 3.6475% | 4,338 |
| Noninterest income to average assets | 0.5228% | 3,702 |
| Noninterest expense to average assets | 3.2172% | 2,831 |
| Loan and lease loss provision to assets | 0.2473% | 3,185 |
| Net operating income to assets | 0.4572% | 4,679 |
| Return on assets (ROA) | 0.6192% | 3,997 |
| Pretax return on assets | 0.6192% | 4,606 |
| Return on Equity (ROE) | 9.6958% | 2,208 |
| Retained earnings to average equity (ytd only) | 9.6958% | 1,180 |
| Net charge-offs to loans | 1.1722% | 1,188 |
| Credit loss provision to net charge-offs | 30.6230% | 4,108 |
| Earnings coverage of net charge-offs (x) | 0.8722% | 3,989 |
| Efficiency ratio | 80.9700% | 2,375 |
| Assets per employee ($millions) | 3.4438% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2258% | 1,902 |
| Loan loss allowance to noncurrent loans | 37.1369% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 4.6157% | 1,396 |
| Noncurrent loans to loans | 5.9936% | 1,055 |
| Net loans and leases to total assets | 66.1788% | 2,961 |
| Net loans and leases to deposits | 78.1177% | 3,041 |
| Net loans and leases to core deposits | 85.1565% | 3,009 |
| Total domestic deposits to total assets | 84.7168% | 4,166 |
| Equity capital to assets | 6.4130% | 7,231 |
| Core capital (leverage) ratio | 6.1786% | 7,220 |
| Tier 1 risk-based capital ratio | 9.3412% | 7,179 |
| Total risk-based capital ratio | 10.6040% | 7,183 |
| Memoranda: | ||
| Average total assets | $468,972,500 | 1,442 |
| Average earning assets | $437,006,500 | 1,413 |
| Average equity | $29,951,000 | 2,180 |
| Average total loans | $323,165,500 | 1,350 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1605% | 3,799 |
| Cost of funding earning assets | 1.3990% | 3,276 |
| Net interest margin | 3.7616% | 4,101 |
| Noninterest income to average assets | 0.7607% | 2,480 |
| Noninterest expense to average assets | 3.2466% | 2,928 |
| Loan and lease loss provision to assets | 0.9855% | 1,646 |
| Net operating income to assets | -0.0289% | 5,891 |
| Return on assets (ROA) | 0.1467% | 5,606 |
| Pretax return on assets | 0.1467% | 5,603 |
| Return on Equity (ROE) | 2.2305% | 5,290 |
| Retained earnings to average equity (ytd only) | 2.2305% | 4,322 |
| Net charge-offs to loans | 0.5227% | 3,533 |
| Credit loss provision to net charge-offs | 275.8288% | 987 |
| Earnings coverage of net charge-offs (x) | 2.6775% | 3,755 |
| Efficiency ratio | 76.0107% | 3,053 |
| Assets per employee ($millions) | 3.2827% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3747% | 1,584 |
| Loan loss allowance to noncurrent loans | 158.6313% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 1.9314% | 3,436 |
| Noncurrent loans to loans | 1.4970% | 4,232 |
| Net loans and leases to total assets | 68.4822% | 2,868 |
| Net loans and leases to deposits | 81.4284% | 2,915 |
| Net loans and leases to core deposits | 89.8949% | 2,782 |
| Total domestic deposits to total assets | 84.1011% | 4,312 |
| Equity capital to assets | 6.3597% | 7,281 |
| Core capital (leverage) ratio | 6.0224% | 7,298 |
| Tier 1 risk-based capital ratio | 8.7410% | 7,288 |
| Total risk-based capital ratio | 10.0053% | 7,297 |
| Memoranda: | ||
| Average total assets | $464,336,200 | 1,435 |
| Average earning assets | $424,956,600 | 1,424 |
| Average equity | $30,531,400 | 2,141 |
| Average total loans | $317,360,800 | 1,415 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2250% | 3,706 |
| Cost of funding earning assets | 1.4620% | 3,209 |
| Net interest margin | 3.7629% | 4,123 |
| Noninterest income to average assets | 0.7576% | 2,467 |
| Noninterest expense to average assets | 3.2062% | 2,906 |
| Loan and lease loss provision to assets | 0.5656% | 2,676 |
| Net operating income to assets | 0.4153% | 4,680 |
| Return on assets (ROA) | 0.6484% | 3,818 |
| Pretax return on assets | 0.6484% | 4,429 |
| Return on Equity (ROE) | 9.7809% | 2,215 |
| Retained earnings to average equity (ytd only) | 9.7809% | 848 |
| Net charge-offs to loans | 0.3933% | 3,715 |
| Credit loss provision to net charge-offs | 211.8407% | 1,657 |
| Earnings coverage of net charge-offs (x) | 3.6738% | 3,341 |
| Efficiency ratio | 75.3364% | 3,069 |
| Assets per employee ($millions) | 3.4128% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 2,688 |
| Loan loss allowance to noncurrent loans | 106.0530% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 2.1076% | 3,323 |
| Noncurrent loans to loans | 1.7266% | 4,055 |
| Net loans and leases to total assets | 67.5023% | 3,332 |
| Net loans and leases to deposits | 79.9078% | 3,471 |
| Net loans and leases to core deposits | 89.2536% | 3,205 |
| Total domestic deposits to total assets | 84.4752% | 3,881 |
| Equity capital to assets | 7.1796% | 7,278 |
| Core capital (leverage) ratio | 6.2993% | 7,384 |
| Tier 1 risk-based capital ratio | 9.3755% | 7,282 |
| Total risk-based capital ratio | 10.6332% | 7,293 |
| Memoranda: | ||
| Average total assets | $463,885,250 | 1,459 |
| Average earning assets | $422,778,750 | 1,454 |
| Average equity | $30,753,000 | 2,150 |
| Average total loans | $314,954,000 | 1,439 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2880% | 3,522 |
| Cost of funding earning assets | 1.5116% | 3,193 |
| Net interest margin | 3.7764% | 4,012 |
| Noninterest income to average assets | 0.7357% | 2,478 |
| Noninterest expense to average assets | 3.1375% | 3,158 |
| Loan and lease loss provision to assets | 0.4941% | 2,824 |
| Net operating income to assets | 0.5373% | 4,161 |
| Return on assets (ROA) | 0.5373% | 4,305 |
| Pretax return on assets | 0.5373% | 4,789 |
| Return on Equity (ROE) | 8.3382% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.3382% | 1,318 |
| Net charge-offs to loans | 0.4259% | 3,290 |
| Credit loss provision to net charge-offs | 171.6216% | 2,274 |
| Earnings coverage of net charge-offs (x) | 3.5826% | 3,259 |
| Efficiency ratio | 74.0149% | 3,474 |
| Assets per employee ($millions) | 3.3292% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6666% | 3,201 |
| Loan loss allowance to noncurrent loans | 155.9754% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 1.4895% | 4,227 |
| Noncurrent loans to loans | 1.0685% | 5,179 |
| Net loans and leases to total assets | 66.9318% | 3,634 |
| Net loans and leases to deposits | 79.4535% | 3,702 |
| Net loans and leases to core deposits | 89.2254% | 3,381 |
| Total domestic deposits to total assets | 84.2403% | 3,993 |
| Equity capital to assets | 6.8490% | 7,401 |
| Core capital (leverage) ratio | 6.1063% | 7,465 |
| Tier 1 risk-based capital ratio | 9.2788% | 7,342 |
| Total risk-based capital ratio | 10.5348% | 7,341 |
| Memoranda: | ||
| Average total assets | $462,663,670 | 1,475 |
| Average earning assets | $420,616,000 | 1,474 |
| Average equity | $29,814,670 | 2,202 |
| Average total loans | $312,774,000 | 1,468 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2284% | 3,883 |
| Cost of funding earning assets | 1.5275% | 3,388 |
| Net interest margin | 3.7009% | 4,234 |
| Noninterest income to average assets | 0.8570% | 1,785 |
| Noninterest expense to average assets | 3.1449% | 3,079 |
| Loan and lease loss provision to assets | 0.5539% | 2,286 |
| Net operating income to assets | 0.5069% | 4,360 |
| Return on assets (ROA) | 0.5069% | 4,501 |
| Pretax return on assets | 0.5069% | 4,938 |
| Return on Equity (ROE) | 8.1266% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.1266% | 1,657 |
| Net charge-offs to loans | 0.3271% | 3,099 |
| Credit loss provision to net charge-offs | 251.3834% | 1,532 |
| Earnings coverage of net charge-offs (x) | 4.8142% | 2,541 |
| Efficiency ratio | 73.5349% | 3,654 |
| Assets per employee ($millions) | 3.3779% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 3,092 |
| Loan loss allowance to noncurrent loans | 202.9880% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 1.6638% | 3,977 |
| Noncurrent loans to loans | 0.8339% | 5,646 |
| Net loans and leases to total assets | 64.7042% | 4,168 |
| Net loans and leases to deposits | 76.9935% | 4,223 |
| Net loans and leases to core deposits | 87.3365% | 3,704 |
| Total domestic deposits to total assets | 84.0385% | 4,129 |
| Equity capital to assets | 6.2753% | 7,578 |
| Core capital (leverage) ratio | 6.0844% | 7,565 |
| Tier 1 risk-based capital ratio | 8.9816% | 7,479 |
| Total risk-based capital ratio | 10.2370% | 7,492 |
| Memoranda: | ||
| Average total assets | $459,283,500 | 1,531 |
| Average earning assets | $415,573,000 | 1,530 |
| Average equity | $28,646,500 | 2,318 |
| Average total loans | $309,401,500 | 1,523 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4865% | 4,217 |
| Cost of funding earning assets | 1.9103% | 3,409 |
| Net interest margin | 3.5762% | 4,633 |
| Noninterest income to average assets | 0.7577% | 2,630 |
| Noninterest expense to average assets | 5.1276% | 477 |
| Loan and lease loss provision to assets | 1.4640% | 1,576 |
| Net operating income to assets | -2.6028% | 7,295 |
| Return on assets (ROA) | -2.4408% | 7,254 |
| Pretax return on assets | -2.4408% | 7,130 |
| Return on Equity (ROE) | -30.8011% | 7,418 |
| Retained earnings to average equity (ytd only) | -32.9083% | 7,436 |
| Net charge-offs to loans | 1.6289% | 1,556 |
| Credit loss provision to net charge-offs | 127.8122% | 4,047 |
| Earnings coverage of net charge-offs (x) | -0.9942% | 6,878 |
| Efficiency ratio | 84.9296% | 2,240 |
| Assets per employee ($millions) | 3.2075% | 5,709 |
| Cash dividends to net income (ytd only)* | -6.8413% | 7,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 3,415 |
| Loan loss allowance to noncurrent loans | 161.8158% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 1.6226% | 3,934 |
| Noncurrent loans to loans | 0.9672% | 5,381 |
| Net loans and leases to total assets | 67.9049% | 3,721 |
| Net loans and leases to deposits | 82.8836% | 3,476 |
| Net loans and leases to core deposits | 111.7442% | 2,723 |
| Total domestic deposits to total assets | 81.9281% | 4,985 |
| Equity capital to assets | 6.1974% | 7,631 |
| Core capital (leverage) ratio | 6.0068% | 7,634 |
| Tier 1 risk-based capital ratio | 9.1170% | 7,416 |
| Total risk-based capital ratio | 10.3717% | 7,432 |
| Memoranda: | ||
| Average total assets | $422,206,200 | 1,637 |
| Average earning assets | $381,463,800 | 1,647 |
| Average equity | $33,456,600 | 2,006 |
| Average total loans | $296,895,000 | 1,615 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7187% | 3,250 |
| Cost of funding earning assets | 2.0304% | 3,216 |
| Net interest margin | 3.6882% | 4,121 |
| Noninterest income to average assets | 0.7400% | 2,764 |
| Noninterest expense to average assets | 3.3501% | 2,728 |
| Loan and lease loss provision to assets | 0.4509% | 3,662 |
| Net operating income to assets | 0.2673% | 4,918 |
| Return on assets (ROA) | 0.4845% | 4,148 |
| Pretax return on assets | 0.4845% | 4,566 |
| Return on Equity (ROE) | 5.7748% | 3,617 |
| Retained earnings to average equity (ytd only) | 3.0786% | 3,601 |
| Net charge-offs to loans | 0.6265% | 2,805 |
| Credit loss provision to net charge-offs | 101.8116% | 5,002 |
| Earnings coverage of net charge-offs (x) | 1.6217% | 4,580 |
| Efficiency ratio | 80.6121% | 2,755 |
| Assets per employee ($millions) | 3.1107% | 5,878 |
| Cash dividends to net income (ytd only)* | 46.6890% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 5,286 |
| Loan loss allowance to noncurrent loans | 46.4516% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 2.3588% | 2,920 |
| Noncurrent loans to loans | 2.5228% | 2,985 |
| Net loans and leases to total assets | 66.4206% | 4,327 |
| Net loans and leases to deposits | 81.2650% | 4,157 |
| Net loans and leases to core deposits | 108.8064% | 3,370 |
| Total domestic deposits to total assets | 81.7333% | 4,792 |
| Equity capital to assets | 7.9873% | 6,856 |
| Core capital (leverage) ratio | 6.2609% | 7,743 |
| Tier 1 risk-based capital ratio | 9.3510% | 7,465 |
| Total risk-based capital ratio | 10.5571% | 7,478 |
| Memoranda: | ||
| Average total assets | $415,496,750 | 1,679 |
| Average earning assets | $374,948,750 | 1,691 |
| Average equity | $34,863,500 | 1,946 |
| Average total loans | $293,676,000 | 1,653 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8260% | 2,925 |
| Cost of funding earning assets | 2.1237% | 3,169 |
| Net interest margin | 3.7023% | 3,942 |
| Noninterest income to average assets | 0.7389% | 2,767 |
| Noninterest expense to average assets | 3.3804% | 2,690 |
| Loan and lease loss provision to assets | 0.3301% | 3,955 |
| Net operating income to assets | 0.3721% | 4,611 |
| Return on assets (ROA) | 0.5397% | 4,044 |
| Pretax return on assets | 0.5397% | 4,497 |
| Return on Equity (ROE) | 6.3197% | 3,514 |
| Retained earnings to average equity (ytd only) | 4.4389% | 2,824 |
| Net charge-offs to loans | 0.5432% | 2,698 |
| Credit loss provision to net charge-offs | 84.4501% | 5,075 |
| Earnings coverage of net charge-offs (x) | 1.7965% | 4,212 |
| Efficiency ratio | 81.0192% | 2,881 |
| Assets per employee ($millions) | 2.9526% | 6,259 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 5,400 |
| Loan loss allowance to noncurrent loans | 43.5343% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 2.3523% | 2,763 |
| Noncurrent loans to loans | 2.5911% | 2,796 |
| Net loans and leases to total assets | 68.7271% | 4,019 |
| Net loans and leases to deposits | 88.4252% | 3,103 |
| Net loans and leases to core deposits | 117.0577% | 2,623 |
| Total domestic deposits to total assets | 77.7234% | 6,148 |
| Equity capital to assets | 8.1737% | 6,527 |
| Core capital (leverage) ratio | 6.5631% | 7,762 |
| Tier 1 risk-based capital ratio | 9.4091% | 7,467 |
| Total risk-based capital ratio | 10.5765% | 7,507 |
| Memoranda: | ||
| Average total assets | $404,680,000 | 1,734 |
| Average earning assets | $365,499,670 | 1,757 |
| Average equity | $34,558,330 | 1,962 |
| Average total loans | $291,215,670 | 1,701 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8759% | 2,913 |
| Cost of funding earning assets | 2.2091% | 3,123 |
| Net interest margin | 3.6668% | 4,032 |
| Noninterest income to average assets | 0.7019% | 2,882 |
| Noninterest expense to average assets | 3.4862% | 2,136 |
| Loan and lease loss provision to assets | 0.2330% | 4,121 |
| Net operating income to assets | 0.2881% | 5,339 |
| Return on assets (ROA) | 0.4383% | 4,880 |
| Pretax return on assets | 0.4383% | 5,279 |
| Return on Equity (ROE) | 5.0146% | 4,470 |
| Retained earnings to average equity (ytd only) | 2.6768% | 4,393 |
| Net charge-offs to loans | 0.2718% | 3,037 |
| Credit loss provision to net charge-offs | 116.9231% | 3,339 |
| Earnings coverage of net charge-offs (x) | 2.6154% | 3,451 |
| Efficiency ratio | 85.1351% | 2,177 |
| Assets per employee ($millions) | 2.7481% | 6,771 |
| Cash dividends to net income (ytd only)* | 46.6200% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 4,630 |
| Loan loss allowance to noncurrent loans | 47.5780% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 2.1867% | 2,618 |
| Noncurrent loans to loans | 2.5734% | 2,563 |
| Net loans and leases to total assets | 69.2024% | 3,871 |
| Net loans and leases to deposits | 90.5942% | 2,839 |
| Net loans and leases to core deposits | 118.8270% | 2,520 |
| Total domestic deposits to total assets | 76.3873% | 6,435 |
| Equity capital to assets | 8.5242% | 6,037 |
| Core capital (leverage) ratio | 7.0761% | 7,580 |
| Tier 1 risk-based capital ratio | 9.4556% | 7,463 |
| Total risk-based capital ratio | 10.7059% | 7,414 |
| Memoranda: | ||
| Average total assets | $391,482,000 | 1,798 |
| Average earning assets | $352,896,500 | 1,817 |
| Average equity | $34,220,000 | 1,987 |
| Average total loans | $287,000,500 | 1,730 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5610% | 2,665 |
| Cost of funding earning assets | 2.6728% | 3,301 |
| Net interest margin | 3.8882% | 3,624 |
| Noninterest income to average assets | 0.8097% | 2,464 |
| Noninterest expense to average assets | 3.7970% | 1,761 |
| Loan and lease loss provision to assets | 0.7556% | 1,976 |
| Net operating income to assets | -0.2459% | 6,676 |
| Return on assets (ROA) | -0.4408% | 6,748 |
| Pretax return on assets | -0.4408% | 6,593 |
| Return on Equity (ROE) | -4.5444% | 6,812 |
| Retained earnings to average equity (ytd only) | -7.1848% | 6,801 |
| Net charge-offs to loans | 0.3144% | 3,285 |
| Credit loss provision to net charge-offs | 317.2043% | 1,419 |
| Earnings coverage of net charge-offs (x) | 2.1398% | 5,002 |
| Efficiency ratio | 85.7860% | 1,876 |
| Assets per employee ($millions) | 2.4717% | 7,255 |
| Cash dividends to net income (ytd only)* | -58.1020% | 8,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 4,326 |
| Loan loss allowance to noncurrent loans | 102.4569% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.3489% | 3,513 |
| Noncurrent loans to loans | 1.1988% | 4,114 |
| Net loans and leases to total assets | 75.9811% | 2,627 |
| Net loans and leases to deposits | 102.3504% | 1,549 |
| Net loans and leases to core deposits | 132.3187% | 1,703 |
| Total domestic deposits to total assets | 74.2363% | 6,616 |
| Equity capital to assets | 8.9823% | 5,390 |
| Core capital (leverage) ratio | 6.7609% | 7,830 |
| Tier 1 risk-based capital ratio | 8.7618% | 7,926 |
| Total risk-based capital ratio | 10.0120% | 8,000 |
| Memoranda: | ||
| Average total assets | $351,380,000 | 1,894 |
| Average earning assets | $316,034,200 | 1,929 |
| Average equity | $34,085,800 | 1,988 |
| Average total loans | $266,211,600 | 1,795 |