Home > Citizens Bank of Kentucky, Inc. > Performance and Condition Ratios
Citizens Bank of Kentucky, Inc., Performance and Condition Ratios
| 2025-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 300 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 3,734 |
| Cost of funding earning assets | 1.2959% | 3,552 |
| Net interest margin | 3.3329% | 2,881 |
| Noninterest income to average assets | 0.6400% | 1,268 |
| Noninterest expense to average assets | 2.6031% | 2,004 |
| Loan and lease loss provision to assets | -0.0100% | 4,144 |
| Net operating income to assets | 0.8797% | 2,772 |
| Return on assets (ROA) | 0.8797% | 2,781 |
| Pretax return on assets | 1.0608% | 2,756 |
| Return on Equity (ROE) | 7.4400% | 3,125 |
| Retained earnings to average equity (ytd only) | 3.4364% | 3,093 |
| Net charge-offs to loans | 0.0159% | 2,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,216 |
| Earnings coverage of net charge-offs (x) | 136.6154% | 740 |
| Efficiency ratio | 71.2435% | 1,503 |
| Assets per employee ($millions) | 5.3893% | 3,377 |
| Cash dividends to net income (ytd only)* | 53.7996% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 1,015 |
| Loan loss allowance to noncurrent loans | 196.3812% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 1,914 |
| Noncurrent loans to loans | 0.7524% | 1,447 |
| Net loans and leases to total assets | 47.2100% | 3,718 |
| Net loans and leases to deposits | 54.3951% | 3,763 |
| Net loans and leases to core deposits | 59.1566% | 3,768 |
| Total domestic deposits to total assets | 86.7800% | 1,844 |
| Equity capital to assets | 11.9398% | 1,273 |
| Core capital (leverage) ratio | 12.8081% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6481% | 384 |
| Memoranda: | ||
| Average total assets | $676,121,333 | 1,397 |
| Average earning assets | $610,990,333 | 1,426 |
| Average equity | $79,967,667 | 1,238 |
| Average total loans | $327,540,000 | 1,778 |
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 3,816 |
| Cost of funding earning assets | 1.3179% | 3,561 |
| Net interest margin | 3.2383% | 2,917 |
| Noninterest income to average assets | 0.6300% | 1,240 |
| Noninterest expense to average assets | 2.6369% | 1,931 |
| Loan and lease loss provision to assets | -0.0200% | 4,187 |
| Net operating income to assets | 0.7865% | 2,877 |
| Return on assets (ROA) | 0.7865% | 2,877 |
| Pretax return on assets | 0.9383% | 2,879 |
| Return on Equity (ROE) | 6.6800% | 3,202 |
| Retained earnings to average equity (ytd only) | 2.6203% | 3,180 |
| Net charge-offs to loans | 0.0086% | 1,932 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 219.7143% | 388 |
| Efficiency ratio | 74.1513% | 1,422 |
| Assets per employee ($millions) | 5.2220% | 3,514 |
| Cash dividends to net income (ytd only)* | 60.7903% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 1,043 |
| Loan loss allowance to noncurrent loans | 186.4259% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 1,719 |
| Noncurrent loans to loans | 0.7984% | 1,303 |
| Net loans and leases to total assets | 47.8000% | 3,676 |
| Net loans and leases to deposits | 54.9654% | 3,691 |
| Net loans and leases to core deposits | 59.8882% | 3,698 |
| Total domestic deposits to total assets | 86.9700% | 1,932 |
| Equity capital to assets | 11.7895% | 1,313 |
| Core capital (leverage) ratio | 12.9157% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4215% | 394 |
| Memoranda: | ||
| Average total assets | $669,264,000 | 1,409 |
| Average earning assets | $604,277,000 | 1,447 |
| Average equity | $78,769,000 | 1,252 |
| Average total loans | $326,044,500 | 1,780 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5785% | 3,783 |
| Cost of funding earning assets | 1.3731% | 3,566 |
| Net interest margin | 3.2054% | 2,710 |
| Noninterest income to average assets | 0.7400% | 1,053 |
| Noninterest expense to average assets | 2.6393% | 1,905 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.8147% | 2,656 |
| Return on assets (ROA) | 0.8149% | 2,663 |
| Pretax return on assets | 0.9706% | 2,609 |
| Return on Equity (ROE) | 6.8900% | 3,054 |
| Retained earnings to average equity (ytd only) | 1.5666% | 3,513 |
| Net charge-offs to loans | 0.0198% | 2,222 |
| Credit loss provision to net charge-offs | 151.5625% | 1,404 |
| Earnings coverage of net charge-offs (x) | 102.4375% | 795 |
| Efficiency ratio | 72.8676% | 1,676 |
| Assets per employee ($millions) | 5.1137% | 3,557 |
| Cash dividends to net income (ytd only)* | 77.2627% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 946 |
| Loan loss allowance to noncurrent loans | 203.0604% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 1,758 |
| Noncurrent loans to loans | 0.7493% | 1,324 |
| Net loans and leases to total assets | 48.1700% | 3,717 |
| Net loans and leases to deposits | 55.3687% | 3,744 |
| Net loans and leases to core deposits | 60.6912% | 3,725 |
| Total domestic deposits to total assets | 87.0000% | 1,869 |
| Equity capital to assets | 11.7489% | 1,277 |
| Core capital (leverage) ratio | 12.8019% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4369% | 396 |
| Memoranda: | ||
| Average total assets | $667,111,200 | 1,396 |
| Average earning assets | $599,954,400 | 1,430 |
| Average equity | $78,899,400 | 1,215 |
| Average total loans | $323,018,800 | 1,776 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5257% | 3,807 |
| Cost of funding earning assets | 1.3368% | 3,619 |
| Net interest margin | 3.1890% | 2,715 |
| Noninterest income to average assets | 0.7200% | 1,077 |
| Noninterest expense to average assets | 2.6567% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7813% | 2,754 |
| Return on assets (ROA) | 0.7815% | 2,763 |
| Pretax return on assets | 0.9258% | 2,747 |
| Return on Equity (ROE) | 6.6000% | 3,153 |
| Retained earnings to average equity (ytd only) | 0.8765% | 3,760 |
| Net charge-offs to loans | 0.0297% | 1,732 |
| Credit loss provision to net charge-offs | 134.7222% | 1,379 |
| Earnings coverage of net charge-offs (x) | 64.8333% | 1,049 |
| Efficiency ratio | 74.0638% | 1,585 |
| Assets per employee ($millions) | 5.2193% | 3,502 |
| Cash dividends to net income (ytd only)* | 86.7126% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 972 |
| Loan loss allowance to noncurrent loans | 397.5669% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 2,415 |
| Noncurrent loans to loans | 0.3847% | 2,119 |
| Net loans and leases to total assets | 46.5200% | 3,793 |
| Net loans and leases to deposits | 53.8079% | 3,825 |
| Net loans and leases to core deposits | 58.3101% | 3,837 |
| Total domestic deposits to total assets | 86.4500% | 1,779 |
| Equity capital to assets | 12.2670% | 1,185 |
| Core capital (leverage) ratio | 12.8070% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3268% | 405 |
| Memoranda: | ||
| Average total assets | $668,971,750 | 1,390 |
| Average earning assets | $601,433,500 | 1,419 |
| Average equity | $79,248,250 | 1,207 |
| Average total loans | $323,102,750 | 1,773 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4324% | 3,875 |
| Cost of funding earning assets | 1.2923% | 3,642 |
| Net interest margin | 3.1401% | 2,769 |
| Noninterest income to average assets | 0.7300% | 1,020 |
| Noninterest expense to average assets | 2.7111% | 1,653 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.7150% | 2,896 |
| Return on assets (ROA) | 0.7152% | 2,916 |
| Pretax return on assets | 0.8372% | 2,911 |
| Return on Equity (ROE) | 6.1100% | 3,247 |
| Retained earnings to average equity (ytd only) | 2.0046% | 3,351 |
| Net charge-offs to loans | 0.0074% | 2,149 |
| Credit loss provision to net charge-offs | 808.3333% | 467 |
| Earnings coverage of net charge-offs (x) | 234.4167% | 447 |
| Efficiency ratio | 76.2375% | 1,439 |
| Assets per employee ($millions) | 4.8780% | 3,705 |
| Cash dividends to net income (ytd only)* | 67.1987% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 1,137 |
| Loan loss allowance to noncurrent loans | 350.9194% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 2,280 |
| Noncurrent loans to loans | 0.4209% | 1,937 |
| Net loans and leases to total assets | 49.5300% | 3,670 |
| Net loans and leases to deposits | 58.0197% | 3,666 |
| Net loans and leases to core deposits | 62.4294% | 3,676 |
| Total domestic deposits to total assets | 85.3600% | 2,211 |
| Equity capital to assets | 11.4718% | 1,354 |
| Core capital (leverage) ratio | 12.9233% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4792% | 441 |
| Memoranda: | ||
| Average total assets | $665,791,000 | 1,390 |
| Average earning assets | $598,324,333 | 1,419 |
| Average equity | $77,920,000 | 1,217 |
| Average total loans | $323,964,333 | 1,765 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 3,909 |
| Cost of funding earning assets | 1.2797% | 3,592 |
| Net interest margin | 3.0691% | 2,859 |
| Noninterest income to average assets | 0.6900% | 1,060 |
| Noninterest expense to average assets | 2.7706% | 1,527 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | 0.6103% | 3,127 |
| Return on assets (ROA) | 0.6103% | 3,151 |
| Pretax return on assets | 0.6976% | 3,163 |
| Return on Equity (ROE) | 5.1600% | 3,415 |
| Retained earnings to average equity (ytd only) | 1.0898% | 3,481 |
| Net charge-offs to loans | 0.0063% | 1,868 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 227.2000% | 381 |
| Efficiency ratio | 80.2056% | 1,194 |
| Assets per employee ($millions) | 4.7132% | 3,834 |
| Cash dividends to net income (ytd only)* | 78.8955% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 1,040 |
| Loan loss allowance to noncurrent loans | 591.2621% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 2,718 |
| Noncurrent loans to loans | 0.2558% | 2,400 |
| Net loans and leases to total assets | 47.4100% | 3,742 |
| Net loans and leases to deposits | 54.3257% | 3,761 |
| Net loans and leases to core deposits | 58.1694% | 3,833 |
| Total domestic deposits to total assets | 87.2600% | 1,682 |
| Equity capital to assets | 11.5683% | 1,273 |
| Core capital (leverage) ratio | 12.7973% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9034% | 435 |
| Memoranda: | ||
| Average total assets | $664,542,000 | 1,395 |
| Average earning assets | $597,968,500 | 1,428 |
| Average equity | $78,547,500 | 1,193 |
| Average total loans | $317,974,500 | 1,776 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 3,799 |
| Cost of funding earning assets | 0.8936% | 3,528 |
| Net interest margin | 3.2096% | 2,854 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 2.5520% | 2,150 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.8610% | 2,671 |
| Return on assets (ROA) | 0.8610% | 2,643 |
| Pretax return on assets | 1.0236% | 2,603 |
| Return on Equity (ROE) | 7.9600% | 3,031 |
| Retained earnings to average equity (ytd only) | 3.6207% | 3,086 |
| Net charge-offs to loans | -0.0475% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.0780% | 1,865 |
| Assets per employee ($millions) | 4.7469% | 3,808 |
| Cash dividends to net income (ytd only)* | 54.4959% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 928 |
| Loan loss allowance to noncurrent loans | 599.1400% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 2,604 |
| Noncurrent loans to loans | 0.2594% | 2,254 |
| Net loans and leases to total assets | 46.8200% | 3,781 |
| Net loans and leases to deposits | 53.9457% | 3,800 |
| Net loans and leases to core deposits | 57.5962% | 3,851 |
| Total domestic deposits to total assets | 86.7900% | 1,758 |
| Equity capital to assets | 12.0749% | 1,102 |
| Core capital (leverage) ratio | 12.6620% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0908% | 420 |
| Memoranda: | ||
| Average total assets | $681,981,200 | 1,330 |
| Average earning assets | $615,008,200 | 1,353 |
| Average equity | $73,797,600 | 1,197 |
| Average total loans | $300,932,400 | 1,787 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 3,799 |
| Cost of funding earning assets | 0.7993% | 3,518 |
| Net interest margin | 3.2300% | 2,852 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.5899% | 1,975 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8599% | 2,832 |
| Return on assets (ROA) | 0.8599% | 2,813 |
| Pretax return on assets | 1.0059% | 2,840 |
| Return on Equity (ROE) | 8.1700% | 3,134 |
| Retained earnings to average equity (ytd only) | 3.7494% | 3,326 |
| Net charge-offs to loans | -0.0591% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.0640% | 1,674 |
| Assets per employee ($millions) | 4.8489% | 3,711 |
| Cash dividends to net income (ytd only)* | 54.1272% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5635% | 954 |
| Loan loss allowance to noncurrent loans | 308.3817% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 2,102 |
| Noncurrent loans to loans | 0.5070% | 1,547 |
| Net loans and leases to total assets | 45.0000% | 3,873 |
| Net loans and leases to deposits | 50.5547% | 3,916 |
| Net loans and leases to core deposits | 53.7869% | 3,945 |
| Total domestic deposits to total assets | 89.0200% | 1,242 |
| Equity capital to assets | 9.7204% | 1,982 |
| Core capital (leverage) ratio | 12.1402% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1152% | 430 |
| Memoranda: | ||
| Average total assets | $687,523,250 | 1,324 |
| Average earning assets | $619,719,500 | 1,339 |
| Average equity | $72,329,000 | 1,212 |
| Average total loans | $297,714,750 | 1,800 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9055% | 3,860 |
| Cost of funding earning assets | 0.6554% | 3,615 |
| Net interest margin | 3.2501% | 2,866 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.5716% | 1,998 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9100% | 2,724 |
| Return on assets (ROA) | 0.9100% | 2,707 |
| Pretax return on assets | 1.0564% | 2,759 |
| Return on Equity (ROE) | 8.4400% | 3,130 |
| Retained earnings to average equity (ytd only) | 4.1628% | 3,171 |
| Net charge-offs to loans | -0.0909% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.2656% | 1,742 |
| Assets per employee ($millions) | 5.0648% | 3,540 |
| Cash dividends to net income (ytd only)* | 50.6971% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 1,020 |
| Loan loss allowance to noncurrent loans | 286.8098% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 2,017 |
| Noncurrent loans to loans | 0.5433% | 1,370 |
| Net loans and leases to total assets | 42.2600% | 3,955 |
| Net loans and leases to deposits | 47.8414% | 3,994 |
| Net loans and leases to core deposits | 50.5851% | 4,001 |
| Total domestic deposits to total assets | 88.3300% | 1,482 |
| Equity capital to assets | 10.6096% | 1,547 |
| Core capital (leverage) ratio | 11.9437% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4443% | 414 |
| Memoranda: | ||
| Average total assets | $693,649,000 | 1,310 |
| Average earning assets | $626,813,667 | 1,333 |
| Average equity | $74,757,333 | 1,173 |
| Average total loans | $294,981,667 | 1,801 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7881% | 3,879 |
| Cost of funding earning assets | 0.4569% | 3,819 |
| Net interest margin | 3.3312% | 2,793 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.6298% | 1,873 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9291% | 2,758 |
| Return on assets (ROA) | 0.9291% | 2,717 |
| Pretax return on assets | 1.0773% | 2,777 |
| Return on Equity (ROE) | 8.5500% | 3,168 |
| Retained earnings to average equity (ytd only) | 4.2900% | 3,184 |
| Net charge-offs to loans | -0.1723% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.7058% | 1,677 |
| Assets per employee ($millions) | 5.2293% | 3,478 |
| Cash dividends to net income (ytd only)* | 49.8442% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 1,076 |
| Loan loss allowance to noncurrent loans | 350.8799% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 2,024 |
| Noncurrent loans to loans | 0.4468% | 1,602 |
| Net loans and leases to total assets | 42.0400% | 3,948 |
| Net loans and leases to deposits | 48.6736% | 3,941 |
| Net loans and leases to core deposits | 51.4292% | 3,939 |
| Total domestic deposits to total assets | 86.3600% | 2,489 |
| Equity capital to assets | 11.2988% | 1,226 |
| Core capital (leverage) ratio | 12.1080% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6326% | 406 |
| Memoranda: | ||
| Average total assets | $691,003,500 | 1,327 |
| Average earning assets | $624,158,500 | 1,356 |
| Average equity | $75,058,500 | 1,182 |
| Average total loans | $292,458,500 | 1,822 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2787% | 3,643 |
| Cost of funding earning assets | 0.2868% | 2,988 |
| Net interest margin | 2.9919% | 3,473 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.3437% | 2,605 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8751% | 3,064 |
| Return on assets (ROA) | 0.8751% | 3,001 |
| Pretax return on assets | 1.0245% | 3,004 |
| Return on Equity (ROE) | 8.2100% | 3,327 |
| Retained earnings to average equity (ytd only) | 5.1803% | 2,972 |
| Net charge-offs to loans | -0.0592% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.9804% | 1,827 |
| Assets per employee ($millions) | 5.1627% | 3,543 |
| Cash dividends to net income (ytd only)* | 36.9344% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 1,841 |
| Loan loss allowance to noncurrent loans | 743.6047% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 2,803 |
| Noncurrent loans to loans | 0.1765% | 2,601 |
| Net loans and leases to total assets | 41.4000% | 4,012 |
| Net loans and leases to deposits | 47.1685% | 4,005 |
| Net loans and leases to core deposits | 49.6757% | 3,990 |
| Total domestic deposits to total assets | 87.7700% | 2,155 |
| Equity capital to assets | 10.4331% | 1,483 |
| Core capital (leverage) ratio | 11.5599% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4347% | 395 |
| Memoranda: | ||
| Average total assets | $742,537,400 | 1,257 |
| Average earning assets | $674,282,600 | 1,271 |
| Average equity | $79,106,800 | 1,141 |
| Average total loans | $303,869,000 | 1,706 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0755% | 3,727 |
| Cost of funding earning assets | 0.2611% | 2,592 |
| Net interest margin | 2.8145% | 3,702 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.2516% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8110% | 3,212 |
| Return on assets (ROA) | 0.8110% | 3,178 |
| Pretax return on assets | 0.9525% | 3,172 |
| Return on Equity (ROE) | 7.5800% | 3,441 |
| Retained earnings to average equity (ytd only) | 4.9331% | 3,126 |
| Net charge-offs to loans | -0.1421% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.6490% | 1,803 |
| Assets per employee ($millions) | 5.4461% | 3,277 |
| Cash dividends to net income (ytd only)* | 34.8888% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 1,744 |
| Loan loss allowance to noncurrent loans | 637.4400% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 2,810 |
| Noncurrent loans to loans | 0.2139% | 2,540 |
| Net loans and leases to total assets | 39.7800% | 4,078 |
| Net loans and leases to deposits | 44.6988% | 4,085 |
| Net loans and leases to core deposits | 47.2887% | 4,052 |
| Total domestic deposits to total assets | 89.0000% | 2,090 |
| Equity capital to assets | 9.0836% | 2,148 |
| Core capital (leverage) ratio | 11.0642% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8003% | 445 |
| Memoranda: | ||
| Average total assets | $753,929,000 | 1,246 |
| Average earning assets | $685,824,000 | 1,262 |
| Average equity | $80,704,500 | 1,133 |
| Average total loans | $306,742,750 | 1,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8644% | 3,866 |
| Cost of funding earning assets | 0.2317% | 2,480 |
| Net interest margin | 2.6327% | 3,845 |
| Noninterest income to average assets | 0.6366% | 1,592 |
| Noninterest expense to average assets | 2.2362% | 2,748 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6921% | 3,332 |
| Return on assets (ROA) | 0.6921% | 3,288 |
| Pretax return on assets | 0.8018% | 3,320 |
| Return on Equity (ROE) | 6.1699% | 3,535 |
| Retained earnings to average equity (ytd only) | 4.3024% | 2,970 |
| Net charge-offs to loans | -0.1958% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9616% | 1,634 |
| Assets per employee ($millions) | 5.2837% | 3,443 |
| Cash dividends to net income (ytd only)* | 30.2686% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 2,133 |
| Loan loss allowance to noncurrent loans | 1,375.6944% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 3,285 |
| Noncurrent loans to loans | 0.0953% | 3,292 |
| Net loans and leases to total assets | 39.1785% | 4,117 |
| Net loans and leases to deposits | 44.8730% | 4,075 |
| Net loans and leases to core deposits | 47.4222% | 4,058 |
| Total domestic deposits to total assets | 87.3097% | 2,823 |
| Equity capital to assets | 10.1315% | 1,638 |
| Core capital (leverage) ratio | 10.7761% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0786% | 474 |
| Memoranda: | ||
| Average total assets | $763,793,667 | 1,234 |
| Average earning assets | $696,686,333 | 1,254 |
| Average equity | $85,674,000 | 1,102 |
| Average total loans | $311,615,000 | 1,664 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7569% | 3,826 |
| Cost of funding earning assets | 0.2335% | 2,343 |
| Net interest margin | 2.5234% | 3,851 |
| Noninterest income to average assets | 0.6366% | 1,542 |
| Noninterest expense to average assets | 2.2549% | 2,667 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6058% | 3,376 |
| Return on assets (ROA) | 0.6058% | 3,357 |
| Pretax return on assets | 0.6921% | 3,416 |
| Return on Equity (ROE) | 5.1529% | 3,580 |
| Retained earnings to average equity (ytd only) | 3.3745% | 3,148 |
| Net charge-offs to loans | -0.1378% | 4,535 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8425% | 1,546 |
| Assets per employee ($millions) | 5.4115% | 3,382 |
| Cash dividends to net income (ytd only)* | 34.5125% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,475 |
| Loan loss allowance to noncurrent loans | 694.8339% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 2,862 |
| Noncurrent loans to loans | 0.1835% | 2,897 |
| Net loans and leases to total assets | 38.4852% | 4,093 |
| Net loans and leases to deposits | 44.2597% | 4,050 |
| Net loans and leases to core deposits | 47.0444% | 4,024 |
| Total domestic deposits to total assets | 86.9532% | 2,943 |
| Equity capital to assets | 11.0143% | 1,327 |
| Core capital (leverage) ratio | 10.5656% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9045% | 439 |
| Memoranda: | ||
| Average total assets | $765,261,500 | 1,238 |
| Average earning assets | $700,633,000 | 1,256 |
| Average equity | $89,968,000 | 1,087 |
| Average total loans | $316,395,000 | 1,632 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9301% | 4,002 |
| Cost of funding earning assets | 0.2971% | 2,434 |
| Net interest margin | 2.6330% | 3,990 |
| Noninterest income to average assets | 0.7040% | 1,759 |
| Noninterest expense to average assets | 2.2660% | 2,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7315% | 3,541 |
| Return on assets (ROA) | 0.7328% | 3,596 |
| Pretax return on assets | 0.8543% | 3,613 |
| Return on Equity (ROE) | 5.9001% | 3,797 |
| Retained earnings to average equity (ytd only) | 4.2183% | 3,123 |
| Net charge-offs to loans | 0.0637% | 1,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 28.4043% | 1,650 |
| Efficiency ratio | 72.0229% | 1,510 |
| Assets per employee ($millions) | 5.6832% | 3,077 |
| Cash dividends to net income (ytd only)* | 28.5053% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 3,424 |
| Loan loss allowance to noncurrent loans | 1,283.1579% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 3,105 |
| Noncurrent loans to loans | 0.0845% | 3,512 |
| Net loans and leases to total assets | 43.1872% | 3,896 |
| Net loans and leases to deposits | 50.8944% | 3,819 |
| Net loans and leases to core deposits | 54.3051% | 3,735 |
| Total domestic deposits to total assets | 84.8565% | 3,315 |
| Equity capital to assets | 12.4840% | 1,067 |
| Core capital (leverage) ratio | 10.3350% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5256% | 597 |
| Memoranda: | ||
| Average total assets | $766,002,600 | 1,201 |
| Average earning assets | $702,533,600 | 1,217 |
| Average equity | $95,134,000 | 1,049 |
| Average total loans | $361,321,800 | 1,487 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9486% | 4,082 |
| Cost of funding earning assets | 0.3136% | 2,469 |
| Net interest margin | 2.6350% | 4,083 |
| Noninterest income to average assets | 0.6641% | 1,959 |
| Noninterest expense to average assets | 2.2042% | 3,057 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7376% | 3,679 |
| Return on assets (ROA) | 0.7388% | 3,741 |
| Pretax return on assets | 0.8785% | 3,742 |
| Return on Equity (ROE) | 5.9566% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.2688% | 3,490 |
| Net charge-offs to loans | 0.0682% | 964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 26.7447% | 1,595 |
| Efficiency ratio | 70.8940% | 1,505 |
| Assets per employee ($millions) | 5.7083% | 2,980 |
| Cash dividends to net income (ytd only)* | 28.3353% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 3,792 |
| Loan loss allowance to noncurrent loans | 92.0378% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.6437% | 1,177 |
| Noncurrent loans to loans | 1.1032% | 1,014 |
| Net loans and leases to total assets | 46.4513% | 3,758 |
| Net loans and leases to deposits | 54.5965% | 3,689 |
| Net loans and leases to core deposits | 58.1166% | 3,622 |
| Total domestic deposits to total assets | 85.0812% | 3,087 |
| Equity capital to assets | 12.2855% | 1,268 |
| Core capital (leverage) ratio | 10.2193% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9557% | 821 |
| Memoranda: | ||
| Average total assets | $764,275,750 | 1,215 |
| Average earning assets | $701,096,000 | 1,229 |
| Average equity | $94,795,000 | 1,067 |
| Average total loans | $367,288,500 | 1,494 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9561% | 4,128 |
| Cost of funding earning assets | 0.3376% | 2,428 |
| Net interest margin | 2.6184% | 4,134 |
| Noninterest income to average assets | 0.6792% | 1,890 |
| Noninterest expense to average assets | 2.2098% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7272% | 3,693 |
| Return on assets (ROA) | 0.7290% | 3,756 |
| Pretax return on assets | 0.8689% | 3,726 |
| Return on Equity (ROE) | 5.8582% | 3,942 |
| Retained earnings to average equity (ytd only) | 4.1669% | 3,469 |
| Net charge-offs to loans | 0.0315% | 1,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 56.8103% | 997 |
| Efficiency ratio | 71.1843% | 1,507 |
| Assets per employee ($millions) | 5.5978% | 3,018 |
| Cash dividends to net income (ytd only)* | 28.8704% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,676 |
| Loan loss allowance to noncurrent loans | 86.1417% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.7187% | 1,145 |
| Noncurrent loans to loans | 1.2071% | 997 |
| Net loans and leases to total assets | 46.8316% | 3,842 |
| Net loans and leases to deposits | 55.5195% | 3,751 |
| Net loans and leases to core deposits | 59.0661% | 3,682 |
| Total domestic deposits to total assets | 84.3517% | 3,327 |
| Equity capital to assets | 12.2745% | 1,233 |
| Core capital (leverage) ratio | 10.0008% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5150% | 887 |
| Memoranda: | ||
| Average total assets | $760,260,333 | 1,221 |
| Average earning assets | $696,063,000 | 1,225 |
| Average equity | $94,601,667 | 1,062 |
| Average total loans | $368,281,000 | 1,490 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0100% | 4,061 |
| Cost of funding earning assets | 0.3669% | 2,382 |
| Net interest margin | 2.6432% | 4,068 |
| Noninterest income to average assets | 0.6708% | 1,956 |
| Noninterest expense to average assets | 2.2195% | 3,044 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7279% | 3,641 |
| Return on assets (ROA) | 0.7315% | 3,699 |
| Pretax return on assets | 0.8758% | 3,655 |
| Return on Equity (ROE) | 5.8376% | 3,905 |
| Retained earnings to average equity (ytd only) | 4.1381% | 3,466 |
| Net charge-offs to loans | 0.0695% | 858 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 25.5781% | 1,154 |
| Efficiency ratio | 71.1505% | 1,590 |
| Assets per employee ($millions) | 5.6683% | 2,951 |
| Cash dividends to net income (ytd only)* | 29.1121% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,605 |
| Loan loss allowance to noncurrent loans | 83.1991% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.7493% | 1,221 |
| Noncurrent loans to loans | 1.2773% | 1,016 |
| Net loans and leases to total assets | 46.5135% | 3,924 |
| Net loans and leases to deposits | 55.1997% | 3,850 |
| Net loans and leases to core deposits | 58.8443% | 3,780 |
| Total domestic deposits to total assets | 84.2641% | 3,351 |
| Equity capital to assets | 12.2527% | 1,173 |
| Core capital (leverage) ratio | 10.4073% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9342% | 800 |
| Memoranda: | ||
| Average total assets | $751,341,500 | 1,211 |
| Average earning assets | $687,962,500 | 1,235 |
| Average equity | $94,148,500 | 1,059 |
| Average total loans | $368,309,000 | 1,496 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 3,881 |
| Cost of funding earning assets | 0.6752% | 1,848 |
| Net interest margin | 2.8935% | 4,119 |
| Noninterest income to average assets | 0.6325% | 2,092 |
| Noninterest expense to average assets | 2.4287% | 3,058 |
| Loan and lease loss provision to assets | 0.0494% | 3,777 |
| Net operating income to assets | 0.7012% | 3,430 |
| Return on assets (ROA) | 0.7020% | 3,559 |
| Pretax return on assets | 0.7760% | 3,689 |
| Return on Equity (ROE) | 5.3489% | 3,797 |
| Retained earnings to average equity (ytd only) | 3.1807% | 3,242 |
| Net charge-offs to loans | 0.1212% | 1,282 |
| Credit loss provision to net charge-offs | 73.5169% | 3,029 |
| Earnings coverage of net charge-offs (x) | 12.2775% | 2,344 |
| Efficiency ratio | 73.9963% | 1,446 |
| Assets per employee ($millions) | 5.3829% | 2,976 |
| Cash dividends to net income (ytd only)* | 40.5351% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 3,750 |
| Loan loss allowance to noncurrent loans | 79.6843% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.8308% | 1,219 |
| Noncurrent loans to loans | 1.2944% | 1,056 |
| Net loans and leases to total assets | 50.5758% | 3,781 |
| Net loans and leases to deposits | 60.2654% | 3,738 |
| Net loans and leases to core deposits | 64.7532% | 3,644 |
| Total domestic deposits to total assets | 83.9217% | 3,138 |
| Equity capital to assets | 12.8192% | 1,171 |
| Core capital (leverage) ratio | 10.5162% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4477% | 845 |
| Memoranda: | ||
| Average total assets | $702,877,200 | 1,179 |
| Average earning assets | $636,588,400 | 1,200 |
| Average equity | $92,243,600 | 1,036 |
| Average total loans | $389,391,200 | 1,402 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6641% | 3,877 |
| Cost of funding earning assets | 0.7494% | 1,752 |
| Net interest margin | 2.9147% | 4,153 |
| Noninterest income to average assets | 0.6482% | 1,991 |
| Noninterest expense to average assets | 2.5188% | 2,781 |
| Loan and lease loss provision to assets | 0.0667% | 3,501 |
| Net operating income to assets | 0.6488% | 3,631 |
| Return on assets (ROA) | 0.6499% | 3,732 |
| Pretax return on assets | 0.6956% | 3,912 |
| Return on Equity (ROE) | 4.9219% | 3,916 |
| Retained earnings to average equity (ytd only) | 2.5947% | 3,687 |
| Net charge-offs to loans | 0.1685% | 872 |
| Credit loss provision to net charge-offs | 69.9597% | 2,810 |
| Earnings coverage of net charge-offs (x) | 7.9899% | 2,533 |
| Efficiency ratio | 76.1330% | 1,195 |
| Assets per employee ($millions) | 5.0535% | 3,175 |
| Cash dividends to net income (ytd only)* | 47.2813% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,684 |
| Loan loss allowance to noncurrent loans | 84.2714% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 1,346 |
| Noncurrent loans to loans | 1.1944% | 1,273 |
| Net loans and leases to total assets | 52.5746% | 3,924 |
| Net loans and leases to deposits | 63.1568% | 3,849 |
| Net loans and leases to core deposits | 69.5213% | 3,658 |
| Total domestic deposits to total assets | 83.2446% | 3,079 |
| Equity capital to assets | 12.8943% | 1,231 |
| Core capital (leverage) ratio | 10.2902% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3000% | 1,006 |
| Memoranda: | ||
| Average total assets | $694,232,000 | 1,168 |
| Average earning assets | $626,822,750 | 1,201 |
| Average equity | $91,670,500 | 1,030 |
| Average total loans | $392,523,500 | 1,373 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8308% | 3,786 |
| Cost of funding earning assets | 0.8021% | 1,814 |
| Net interest margin | 3.0286% | 4,059 |
| Noninterest income to average assets | 0.6335% | 2,002 |
| Noninterest expense to average assets | 2.5986% | 2,670 |
| Loan and lease loss provision to assets | 0.1013% | 2,999 |
| Net operating income to assets | 0.6023% | 3,729 |
| Return on assets (ROA) | 0.6028% | 3,806 |
| Pretax return on assets | 0.6636% | 3,946 |
| Return on Equity (ROE) | 4.5280% | 3,966 |
| Retained earnings to average equity (ytd only) | 1.0179% | 4,094 |
| Net charge-offs to loans | 0.2660% | 594 |
| Credit loss provision to net charge-offs | 65.9696% | 2,568 |
| Earnings coverage of net charge-offs (x) | 4.9753% | 2,552 |
| Efficiency ratio | 76.6198% | 1,206 |
| Assets per employee ($millions) | 5.0311% | 3,133 |
| Cash dividends to net income (ytd only)* | 77.5194% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,641 |
| Loan loss allowance to noncurrent loans | 78.0970% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 1,424 |
| Noncurrent loans to loans | 1.2635% | 1,232 |
| Net loans and leases to total assets | 52.0041% | 4,029 |
| Net loans and leases to deposits | 61.7382% | 4,018 |
| Net loans and leases to core deposits | 68.2037% | 3,849 |
| Total domestic deposits to total assets | 84.2332% | 2,672 |
| Equity capital to assets | 12.4515% | 1,400 |
| Core capital (leverage) ratio | 10.3666% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0180% | 1,055 |
| Memoranda: | ||
| Average total assets | $684,759,000 | 1,165 |
| Average earning assets | $617,109,000 | 1,195 |
| Average equity | $91,167,000 | 1,025 |
| Average total loans | $395,433,333 | 1,341 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 3,362 |
| Cost of funding earning assets | 0.8733% | 1,998 |
| Net interest margin | 3.2820% | 3,637 |
| Noninterest income to average assets | 0.6998% | 1,649 |
| Noninterest expense to average assets | 2.8265% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7492% | 3,096 |
| Return on assets (ROA) | 0.7503% | 3,169 |
| Pretax return on assets | 0.8221% | 3,353 |
| Return on Equity (ROE) | 5.4373% | 3,495 |
| Retained earnings to average equity (ytd only) | 1.9095% | 3,478 |
| Net charge-offs to loans | 0.1303% | 937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 10.3769% | 1,767 |
| Efficiency ratio | 76.8602% | 1,467 |
| Assets per employee ($millions) | 4.5420% | 3,208 |
| Cash dividends to net income (ytd only)* | 64.8824% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 3,814 |
| Loan loss allowance to noncurrent loans | 77.4232% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.0035% | 1,313 |
| Noncurrent loans to loans | 1.2641% | 1,294 |
| Net loans and leases to total assets | 59.6355% | 3,536 |
| Net loans and leases to deposits | 71.8787% | 3,438 |
| Net loans and leases to core deposits | 81.6218% | 3,048 |
| Total domestic deposits to total assets | 82.9669% | 3,124 |
| Equity capital to assets | 13.9505% | 1,074 |
| Core capital (leverage) ratio | 11.1940% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9105% | 1,157 |
| Memoranda: | ||
| Average total assets | $657,352,000 | 1,178 |
| Average earning assets | $590,370,500 | 1,205 |
| Average equity | $90,706,500 | 1,026 |
| Average total loans | $398,929,500 | 1,297 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 3,096 |
| Cost of funding earning assets | 0.7805% | 2,772 |
| Net interest margin | 3.6769% | 2,879 |
| Noninterest income to average assets | 0.8807% | 1,220 |
| Noninterest expense to average assets | 2.8390% | 2,479 |
| Loan and lease loss provision to assets | 0.2160% | 911 |
| Net operating income to assets | 1.0177% | 2,785 |
| Return on assets (ROA) | 1.0211% | 2,855 |
| Pretax return on assets | 1.1127% | 3,125 |
| Return on Equity (ROE) | 7.3698% | 3,415 |
| Retained earnings to average equity (ytd only) | 3.6681% | 3,160 |
| Net charge-offs to loans | 0.0257% | 2,879 |
| Credit loss provision to net charge-offs | 1,308.7379% | 264 |
| Earnings coverage of net charge-offs (x) | 80.2718% | 790 |
| Efficiency ratio | 67.5968% | 2,518 |
| Assets per employee ($millions) | 4.3166% | 3,483 |
| Cash dividends to net income (ytd only)* | 50.2276% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,517 |
| Loan loss allowance to noncurrent loans | 150.7704% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 1,883 |
| Noncurrent loans to loans | 0.6632% | 2,232 |
| Net loans and leases to total assets | 60.5400% | 3,542 |
| Net loans and leases to deposits | 73.0012% | 3,438 |
| Net loans and leases to core deposits | 82.3737% | 3,090 |
| Total domestic deposits to total assets | 82.9301% | 3,221 |
| Equity capital to assets | 13.6464% | 1,229 |
| Core capital (leverage) ratio | 11.1541% | 2,371 |
| Tier 1 risk-based capital ratio | 16.8365% | 2,109 |
| Total risk-based capital ratio | 17.7854% | 2,148 |
| Memoranda: | ||
| Average total assets | $623,959,400 | 1,189 |
| Average earning assets | $557,184,600 | 1,219 |
| Average equity | $86,447,200 | 1,020 |
| Average total loans | $400,865,000 | 1,267 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4817% | 3,123 |
| Cost of funding earning assets | 0.7420% | 3,001 |
| Net interest margin | 3.7397% | 2,791 |
| Noninterest income to average assets | 0.7663% | 1,533 |
| Noninterest expense to average assets | 2.8674% | 2,354 |
| Loan and lease loss provision to assets | 0.2702% | 579 |
| Net operating income to assets | 0.9069% | 3,319 |
| Return on assets (ROA) | 0.9114% | 3,386 |
| Pretax return on assets | 0.9754% | 3,662 |
| Return on Equity (ROE) | 6.5517% | 3,859 |
| Retained earnings to average equity (ytd only) | 2.8168% | 3,964 |
| Net charge-offs to loans | 0.0203% | 2,706 |
| Credit loss provision to net charge-offs | 2,045.9016% | 198 |
| Earnings coverage of net charge-offs (x) | 93.9688% | 782 |
| Efficiency ratio | 69.2012% | 2,224 |
| Assets per employee ($millions) | 4.0624% | 3,817 |
| Cash dividends to net income (ytd only)* | 57.0072% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 3,806 |
| Loan loss allowance to noncurrent loans | 84.6862% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.7444% | 1,849 |
| Noncurrent loans to loans | 1.1267% | 1,411 |
| Net loans and leases to total assets | 63.5424% | 3,330 |
| Net loans and leases to deposits | 77.2206% | 3,179 |
| Net loans and leases to core deposits | 86.3635% | 2,875 |
| Total domestic deposits to total assets | 82.2869% | 3,391 |
| Equity capital to assets | 13.6606% | 1,289 |
| Core capital (leverage) ratio | 11.1859% | 2,482 |
| Tier 1 risk-based capital ratio | 15.9870% | 2,432 |
| Total risk-based capital ratio | 16.8939% | 2,522 |
| Memoranda: | ||
| Average total assets | $615,919,250 | 1,200 |
| Average earning assets | $550,405,500 | 1,234 |
| Average equity | $85,674,750 | 1,022 |
| Average total loans | $400,774,500 | 1,275 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 3,018 |
| Cost of funding earning assets | 0.6798% | 3,276 |
| Net interest margin | 3.8202% | 2,517 |
| Noninterest income to average assets | 0.7654% | 1,456 |
| Noninterest expense to average assets | 2.9327% | 2,188 |
| Loan and lease loss provision to assets | 0.3789% | 327 |
| Net operating income to assets | 0.8409% | 3,508 |
| Return on assets (ROA) | 0.8480% | 3,538 |
| Pretax return on assets | 0.8684% | 3,934 |
| Return on Equity (ROE) | 6.0575% | 4,033 |
| Retained earnings to average equity (ytd only) | 2.2848% | 4,018 |
| Net charge-offs to loans | -0.0162% | 4,479 |
| Credit loss provision to net charge-offs | -3,587.5000% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6883% | 2,274 |
| Assets per employee ($millions) | 4.0542% | 3,799 |
| Cash dividends to net income (ytd only)* | 62.2810% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 3,805 |
| Loan loss allowance to noncurrent loans | 128.3160% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 2,465 |
| Noncurrent loans to loans | 0.7516% | 2,105 |
| Net loans and leases to total assets | 65.3432% | 3,185 |
| Net loans and leases to deposits | 79.7984% | 2,976 |
| Net loans and leases to core deposits | 87.9216% | 2,803 |
| Total domestic deposits to total assets | 81.8854% | 3,549 |
| Equity capital to assets | 13.9974% | 1,118 |
| Core capital (leverage) ratio | 11.5914% | 2,095 |
| Tier 1 risk-based capital ratio | 15.6540% | 2,563 |
| Total risk-based capital ratio | 16.5550% | 2,642 |
| Memoranda: | ||
| Average total assets | $605,919,670 | 1,215 |
| Average earning assets | $540,444,330 | 1,254 |
| Average equity | $84,821,000 | 1,025 |
| Average total loans | $396,237,330 | 1,284 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4314% | 3,112 |
| Cost of funding earning assets | 0.6599% | 3,265 |
| Net interest margin | 3.7715% | 2,627 |
| Noninterest income to average assets | 0.7756% | 1,349 |
| Noninterest expense to average assets | 2.9636% | 2,095 |
| Loan and lease loss provision to assets | 0.5031% | 215 |
| Net operating income to assets | 0.6369% | 4,130 |
| Return on assets (ROA) | 0.6414% | 4,155 |
| Pretax return on assets | 0.6774% | 4,353 |
| Return on Equity (ROE) | 4.5813% | 4,449 |
| Retained earnings to average equity (ytd only) | 0.7635% | 4,370 |
| Net charge-offs to loans | 0.0503% | 1,563 |
| Credit loss provision to net charge-offs | 1,536.7347% | 252 |
| Earnings coverage of net charge-offs (x) | 35.9184% | 1,223 |
| Efficiency ratio | 70.9813% | 2,190 |
| Assets per employee ($millions) | 4.1077% | 3,755 |
| Cash dividends to net income (ytd only)* | 83.3333% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 4,259 |
| Loan loss allowance to noncurrent loans | 107.7616% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 2,275 |
| Noncurrent loans to loans | 0.8119% | 2,015 |
| Net loans and leases to total assets | 64.6818% | 3,208 |
| Net loans and leases to deposits | 78.9322% | 2,958 |
| Net loans and leases to core deposits | 85.9173% | 2,876 |
| Total domestic deposits to total assets | 81.9460% | 3,738 |
| Equity capital to assets | 13.9347% | 1,068 |
| Core capital (leverage) ratio | 11.7363% | 1,947 |
| Tier 1 risk-based capital ratio | 15.9470% | 2,460 |
| Total risk-based capital ratio | 16.7631% | 2,563 |
| Memoranda: | ||
| Average total assets | $598,735,500 | 1,226 |
| Average earning assets | $534,001,500 | 1,269 |
| Average equity | $83,819,500 | 1,029 |
| Average total loans | $389,724,500 | 1,313 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 3,236 |
| Cost of funding earning assets | 0.5807% | 2,850 |
| Net interest margin | 3.6808% | 3,113 |
| Noninterest income to average assets | 0.9219% | 1,127 |
| Noninterest expense to average assets | 3.0124% | 2,017 |
| Loan and lease loss provision to assets | 0.0849% | 2,435 |
| Net operating income to assets | 0.9726% | 3,129 |
| Return on assets (ROA) | 0.9850% | 3,078 |
| Pretax return on assets | 1.1088% | 3,233 |
| Return on Equity (ROE) | 7.1144% | 3,787 |
| Retained earnings to average equity (ytd only) | 3.1879% | 3,805 |
| Net charge-offs to loans | 0.2018% | 947 |
| Credit loss provision to net charge-offs | 69.0608% | 3,004 |
| Earnings coverage of net charge-offs (x) | 9.5925% | 2,798 |
| Efficiency ratio | 71.2456% | 2,009 |
| Assets per employee ($millions) | 4.0657% | 3,800 |
| Cash dividends to net income (ytd only)* | 55.1914% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7229% | 4,754 |
| Loan loss allowance to noncurrent loans | 84.2057% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 2,173 |
| Noncurrent loans to loans | 0.8585% | 1,880 |
| Net loans and leases to total assets | 64.4554% | 3,305 |
| Net loans and leases to deposits | 78.6641% | 3,084 |
| Net loans and leases to core deposits | 85.4810% | 2,955 |
| Total domestic deposits to total assets | 81.9376% | 3,656 |
| Equity capital to assets | 14.0662% | 947 |
| Core capital (leverage) ratio | 11.8690% | 1,821 |
| Tier 1 risk-based capital ratio | 16.1475% | 2,358 |
| Total risk-based capital ratio | 16.8056% | 2,520 |
| Memoranda: | ||
| Average total assets | $588,657,400 | 1,225 |
| Average earning assets | $523,010,000 | 1,260 |
| Average equity | $81,496,200 | 1,012 |
| Average total loans | $358,688,000 | 1,372 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 3,301 |
| Cost of funding earning assets | 0.5610% | 2,781 |
| Net interest margin | 3.6445% | 3,209 |
| Noninterest income to average assets | 0.9365% | 1,086 |
| Noninterest expense to average assets | 3.0439% | 1,890 |
| Loan and lease loss provision to assets | 0.0680% | 2,616 |
| Net operating income to assets | 0.9452% | 3,322 |
| Return on assets (ROA) | 0.9609% | 3,274 |
| Pretax return on assets | 1.0779% | 3,476 |
| Return on Equity (ROE) | 6.9689% | 3,944 |
| Retained earnings to average equity (ytd only) | 3.0252% | 4,227 |
| Net charge-offs to loans | 0.1490% | 1,108 |
| Credit loss provision to net charge-offs | 76.1421% | 2,570 |
| Earnings coverage of net charge-offs (x) | 12.6371% | 2,437 |
| Efficiency ratio | 72.3456% | 1,830 |
| Assets per employee ($millions) | 4.0145% | 3,864 |
| Cash dividends to net income (ytd only)* | 56.5904% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7916% | 4,646 |
| Loan loss allowance to noncurrent loans | 90.0528% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 2,174 |
| Noncurrent loans to loans | 0.8791% | 1,941 |
| Net loans and leases to total assets | 61.9418% | 3,663 |
| Net loans and leases to deposits | 75.5359% | 3,450 |
| Net loans and leases to core deposits | 81.8193% | 3,338 |
| Total domestic deposits to total assets | 82.0031% | 3,608 |
| Equity capital to assets | 13.7608% | 1,033 |
| Core capital (leverage) ratio | 11.7554% | 1,957 |
| Tier 1 risk-based capital ratio | 16.3441% | 2,319 |
| Total risk-based capital ratio | 17.0571% | 2,459 |
| Memoranda: | ||
| Average total assets | $588,440,000 | 1,230 |
| Average earning assets | $522,418,500 | 1,265 |
| Average equity | $81,139,250 | 1,011 |
| Average total loans | $352,672,750 | 1,391 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 3,276 |
| Cost of funding earning assets | 0.5348% | 2,733 |
| Net interest margin | 3.6169% | 3,246 |
| Noninterest income to average assets | 0.9698% | 1,012 |
| Noninterest expense to average assets | 3.0977% | 1,788 |
| Loan and lease loss provision to assets | 0.0679% | 2,523 |
| Net operating income to assets | 0.9104% | 3,418 |
| Return on assets (ROA) | 0.9104% | 3,421 |
| Pretax return on assets | 1.0132% | 3,626 |
| Return on Equity (ROE) | 6.5977% | 4,025 |
| Retained earnings to average equity (ytd only) | 2.6617% | 4,190 |
| Net charge-offs to loans | 0.1252% | 1,178 |
| Credit loss provision to net charge-offs | 91.7431% | 2,141 |
| Earnings coverage of net charge-offs (x) | 14.6101% | 2,088 |
| Efficiency ratio | 73.5196% | 1,781 |
| Assets per employee ($millions) | 4.0066% | 3,884 |
| Cash dividends to net income (ytd only)* | 59.6570% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 4,595 |
| Loan loss allowance to noncurrent loans | 84.6044% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.8569% | 1,744 |
| Noncurrent loans to loans | 0.9850% | 1,775 |
| Net loans and leases to total assets | 60.0647% | 3,803 |
| Net loans and leases to deposits | 72.9428% | 3,633 |
| Net loans and leases to core deposits | 78.6342% | 3,525 |
| Total domestic deposits to total assets | 82.3449% | 3,617 |
| Equity capital to assets | 13.7361% | 1,016 |
| Core capital (leverage) ratio | 11.5280% | 2,046 |
| Tier 1 risk-based capital ratio | 16.1966% | 2,369 |
| Total risk-based capital ratio | 16.9323% | 2,502 |
| Memoranda: | ||
| Average total assets | $589,212,330 | 1,226 |
| Average earning assets | $522,774,000 | 1,268 |
| Average equity | $81,300,670 | 1,012 |
| Average total loans | $348,246,330 | 1,415 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 3,332 |
| Cost of funding earning assets | 0.5074% | 2,736 |
| Net interest margin | 3.5645% | 3,299 |
| Noninterest income to average assets | 1.0093% | 897 |
| Noninterest expense to average assets | 3.1704% | 1,633 |
| Loan and lease loss provision to assets | 0.0679% | 2,407 |
| Net operating income to assets | 0.8498% | 3,505 |
| Return on assets (ROA) | 0.8498% | 3,523 |
| Pretax return on assets | 0.9373% | 3,736 |
| Return on Equity (ROE) | 6.1448% | 4,110 |
| Retained earnings to average equity (ytd only) | 2.2184% | 4,281 |
| Net charge-offs to loans | 0.1512% | 924 |
| Credit loss provision to net charge-offs | 76.9231% | 1,772 |
| Earnings coverage of net charge-offs (x) | 11.3923% | 1,848 |
| Efficiency ratio | 75.3088% | 1,700 |
| Assets per employee ($millions) | 3.9311% | 4,097 |
| Cash dividends to net income (ytd only)* | 63.8978% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 4,574 |
| Loan loss allowance to noncurrent loans | 69.2308% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 1,608 |
| Noncurrent loans to loans | 1.2520% | 1,443 |
| Net loans and leases to total assets | 57.4292% | 3,999 |
| Net loans and leases to deposits | 69.9551% | 3,787 |
| Net loans and leases to core deposits | 75.0140% | 3,739 |
| Total domestic deposits to total assets | 82.0944% | 3,930 |
| Equity capital to assets | 13.6978% | 978 |
| Core capital (leverage) ratio | 11.5427% | 1,977 |
| Tier 1 risk-based capital ratio | 16.6392% | 2,231 |
| Total risk-based capital ratio | 17.3955% | 2,363 |
| Memoranda: | ||
| Average total assets | $589,331,000 | 1,231 |
| Average earning assets | $523,488,500 | 1,280 |
| Average equity | $81,500,000 | 1,019 |
| Average total loans | $344,000,000 | 1,428 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 3,613 |
| Cost of funding earning assets | 0.5111% | 2,241 |
| Net interest margin | 3.4286% | 3,759 |
| Noninterest income to average assets | 0.8469% | 1,418 |
| Noninterest expense to average assets | 2.9277% | 2,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5943% | 4,032 |
| Return on assets (ROA) | 0.6085% | 4,006 |
| Pretax return on assets | 0.9694% | 3,676 |
| Return on Equity (ROE) | 4.3908% | 4,383 |
| Retained earnings to average equity (ytd only) | 0.6224% | 4,793 |
| Net charge-offs to loans | 0.1707% | 1,445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 9.6432% | 2,764 |
| Efficiency ratio | 74.9000% | 1,777 |
| Assets per employee ($millions) | 3.8247% | 4,244 |
| Cash dividends to net income (ytd only)* | 85.8250% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 4,622 |
| Loan loss allowance to noncurrent loans | 65.9101% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.1078% | 1,368 |
| Noncurrent loans to loans | 1.3100% | 1,325 |
| Net loans and leases to total assets | 58.3039% | 3,984 |
| Net loans and leases to deposits | 71.3236% | 3,756 |
| Net loans and leases to core deposits | 76.3840% | 3,709 |
| Total domestic deposits to total assets | 81.7456% | 3,929 |
| Equity capital to assets | 13.9609% | 924 |
| Core capital (leverage) ratio | 11.3265% | 2,080 |
| Tier 1 risk-based capital ratio | 16.5109% | 2,258 |
| Total risk-based capital ratio | 17.2747% | 2,364 |
| Memoranda: | ||
| Average total assets | $593,574,800 | 1,208 |
| Average earning assets | $524,209,800 | 1,248 |
| Average equity | $82,263,200 | 984 |
| Average total loans | $341,594,400 | 1,403 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 3,599 |
| Cost of funding earning assets | 0.5067% | 2,209 |
| Net interest margin | 3.4192% | 3,780 |
| Noninterest income to average assets | 0.8627% | 1,394 |
| Noninterest expense to average assets | 2.9299% | 2,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7823% | 3,594 |
| Return on assets (ROA) | 0.7979% | 3,578 |
| Pretax return on assets | 0.9669% | 3,813 |
| Return on Equity (ROE) | 5.7677% | 4,220 |
| Retained earnings to average equity (ytd only) | 2.0403% | 4,621 |
| Net charge-offs to loans | 0.0184% | 3,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 89.9718% | 745 |
| Efficiency ratio | 74.8988% | 1,763 |
| Assets per employee ($millions) | 3.8586% | 4,223 |
| Cash dividends to net income (ytd only)* | 64.6250% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 3,842 |
| Loan loss allowance to noncurrent loans | 70.0974% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.3380% | 1,193 |
| Noncurrent loans to loans | 1.4836% | 1,259 |
| Net loans and leases to total assets | 56.8668% | 4,163 |
| Net loans and leases to deposits | 70.6022% | 3,910 |
| Net loans and leases to core deposits | 75.5615% | 3,834 |
| Total domestic deposits to total assets | 80.5454% | 4,194 |
| Equity capital to assets | 14.1498% | 954 |
| Core capital (leverage) ratio | 11.4138% | 2,087 |
| Tier 1 risk-based capital ratio | 16.7159% | 2,245 |
| Total risk-based capital ratio | 17.6231% | 2,308 |
| Memoranda: | ||
| Average total assets | $594,719,250 | 1,208 |
| Average earning assets | $524,472,750 | 1,259 |
| Average equity | $82,271,750 | 992 |
| Average total loans | $340,393,250 | 1,417 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 3,519 |
| Cost of funding earning assets | 0.4988% | 2,170 |
| Net interest margin | 3.4123% | 3,732 |
| Noninterest income to average assets | 0.8890% | 1,308 |
| Noninterest expense to average assets | 2.9445% | 2,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7834% | 3,476 |
| Return on assets (ROA) | 0.8068% | 3,421 |
| Pretax return on assets | 0.9769% | 3,650 |
| Return on Equity (ROE) | 5.8766% | 4,100 |
| Retained earnings to average equity (ytd only) | 2.2113% | 4,353 |
| Net charge-offs to loans | 0.0499% | 2,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 33.2706% | 1,391 |
| Efficiency ratio | 74.9849% | 1,857 |
| Assets per employee ($millions) | 3.7658% | 4,331 |
| Cash dividends to net income (ytd only)* | 62.3701% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 3,933 |
| Loan loss allowance to noncurrent loans | 69.7242% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.3991% | 1,127 |
| Noncurrent loans to loans | 1.4842% | 1,269 |
| Net loans and leases to total assets | 56.4337% | 4,177 |
| Net loans and leases to deposits | 70.0474% | 3,912 |
| Net loans and leases to core deposits | 74.7019% | 3,880 |
| Total domestic deposits to total assets | 80.5650% | 4,294 |
| Equity capital to assets | 14.0495% | 949 |
| Core capital (leverage) ratio | 11.3115% | 2,119 |
| Tier 1 risk-based capital ratio | 17.5389% | 1,996 |
| Total risk-based capital ratio | 18.4854% | 2,033 |
| Memoranda: | ||
| Average total assets | $596,172,330 | 1,207 |
| Average earning assets | $524,867,670 | 1,263 |
| Average equity | $81,850,670 | 996 |
| Average total loans | $340,775,330 | 1,417 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9163% | 3,341 |
| Cost of funding earning assets | 0.4985% | 2,097 |
| Net interest margin | 3.4179% | 3,584 |
| Noninterest income to average assets | 0.8392% | 1,434 |
| Noninterest expense to average assets | 2.9347% | 2,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7570% | 3,445 |
| Return on assets (ROA) | 0.7570% | 3,496 |
| Pretax return on assets | 0.9101% | 3,730 |
| Return on Equity (ROE) | 5.5783% | 4,104 |
| Retained earnings to average equity (ytd only) | 2.1319% | 4,290 |
| Net charge-offs to loans | -0.0245% | 4,846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6691% | 1,959 |
| Assets per employee ($millions) | 4.0291% | 3,966 |
| Cash dividends to net income (ytd only)* | 61.7829% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,887 |
| Loan loss allowance to noncurrent loans | 59.0603% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.6571% | 921 |
| Noncurrent loans to loans | 1.8101% | 1,037 |
| Net loans and leases to total assets | 55.4163% | 4,214 |
| Net loans and leases to deposits | 68.7872% | 3,914 |
| Net loans and leases to core deposits | 73.1917% | 3,900 |
| Total domestic deposits to total assets | 80.5619% | 4,509 |
| Equity capital to assets | 13.6440% | 1,023 |
| Core capital (leverage) ratio | 11.2464% | 2,152 |
| Tier 1 risk-based capital ratio | 16.6481% | 2,300 |
| Total risk-based capital ratio | 17.5835% | 2,366 |
| Memoranda: | ||
| Average total assets | $598,640,000 | 1,209 |
| Average earning assets | $526,411,500 | 1,259 |
| Average equity | $81,243,000 | 1,001 |
| Average total loans | $342,590,000 | 1,420 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 3,396 |
| Cost of funding earning assets | 0.5350% | 1,824 |
| Net interest margin | 3.4115% | 3,784 |
| Noninterest income to average assets | 1.3310% | 642 |
| Noninterest expense to average assets | 3.3030% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9066% | 2,786 |
| Return on assets (ROA) | 0.9301% | 2,794 |
| Pretax return on assets | 1.0624% | 3,250 |
| Return on Equity (ROE) | 6.8008% | 3,580 |
| Retained earnings to average equity (ytd only) | 1.5525% | 4,638 |
| Net charge-offs to loans | 0.0162% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 110.8036% | 546 |
| Efficiency ratio | 75.5473% | 2,056 |
| Assets per employee ($millions) | 3.8266% | 4,255 |
| Cash dividends to net income (ytd only)* | 77.1716% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 4,171 |
| Loan loss allowance to noncurrent loans | 57.7476% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.5971% | 1,003 |
| Noncurrent loans to loans | 1.7739% | 1,073 |
| Net loans and leases to total assets | 57.8491% | 4,080 |
| Net loans and leases to deposits | 71.7542% | 3,735 |
| Net loans and leases to core deposits | 76.3326% | 3,720 |
| Total domestic deposits to total assets | 80.6213% | 4,427 |
| Equity capital to assets | 13.4981% | 1,051 |
| Core capital (leverage) ratio | 11.2187% | 2,156 |
| Tier 1 risk-based capital ratio | 16.5860% | 2,310 |
| Total risk-based capital ratio | 17.5154% | 2,379 |
| Memoranda: | ||
| Average total assets | $599,088,400 | 1,167 |
| Average earning assets | $528,178,800 | 1,212 |
| Average equity | $81,931,400 | 969 |
| Average total loans | $345,254,200 | 1,352 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9659% | 3,347 |
| Cost of funding earning assets | 0.5428% | 1,771 |
| Net interest margin | 3.4231% | 3,762 |
| Noninterest income to average assets | 1.5289% | 525 |
| Noninterest expense to average assets | 3.3834% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0318% | 2,283 |
| Return on assets (ROA) | 1.0631% | 2,258 |
| Pretax return on assets | 1.2045% | 2,817 |
| Return on Equity (ROE) | 7.7483% | 3,147 |
| Retained earnings to average equity (ytd only) | 2.4002% | 4,475 |
| Net charge-offs to loans | -0.0635% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7703% | 2,330 |
| Assets per employee ($millions) | 3.8524% | 4,209 |
| Cash dividends to net income (ytd only)* | 69.0232% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 3,813 |
| Loan loss allowance to noncurrent loans | 57.0870% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.5841% | 1,101 |
| Noncurrent loans to loans | 1.9333% | 1,026 |
| Net loans and leases to total assets | 57.3053% | 4,169 |
| Net loans and leases to deposits | 71.4636% | 3,842 |
| Net loans and leases to core deposits | 75.7340% | 3,869 |
| Total domestic deposits to total assets | 80.1880% | 4,472 |
| Equity capital to assets | 14.2524% | 947 |
| Core capital (leverage) ratio | 11.0786% | 2,372 |
| Tier 1 risk-based capital ratio | 16.5166% | 2,410 |
| Total risk-based capital ratio | 17.5218% | 2,463 |
| Memoranda: | ||
| Average total assets | $599,624,500 | 1,168 |
| Average earning assets | $529,599,250 | 1,208 |
| Average equity | $82,270,250 | 972 |
| Average total loans | $344,342,500 | 1,356 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 3,428 |
| Cost of funding earning assets | 0.5609% | 1,609 |
| Net interest margin | 3.3884% | 3,940 |
| Noninterest income to average assets | 1.8998% | 366 |
| Noninterest expense to average assets | 3.5035% | 1,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2306% | 1,500 |
| Return on assets (ROA) | 1.2780% | 1,454 |
| Pretax return on assets | 1.4431% | 1,864 |
| Return on Equity (ROE) | 9.4346% | 2,303 |
| Retained earnings to average equity (ytd only) | 3.7910% | 3,477 |
| Net charge-offs to loans | -0.1068% | 5,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0861% | 2,801 |
| Assets per employee ($millions) | 3.7729% | 4,318 |
| Cash dividends to net income (ytd only)* | 59.8179% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 4,048 |
| Loan loss allowance to noncurrent loans | 55.1315% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.7066% | 1,047 |
| Noncurrent loans to loans | 1.9594% | 1,021 |
| Net loans and leases to total assets | 57.8569% | 4,131 |
| Net loans and leases to deposits | 72.3542% | 3,754 |
| Net loans and leases to core deposits | 76.1717% | 3,807 |
| Total domestic deposits to total assets | 79.9635% | 4,559 |
| Equity capital to assets | 13.9923% | 1,032 |
| Core capital (leverage) ratio | 10.7527% | 2,694 |
| Tier 1 risk-based capital ratio | 16.1314% | 2,575 |
| Total risk-based capital ratio | 17.1190% | 2,643 |
| Memoranda: | ||
| Average total assets | $601,740,330 | 1,174 |
| Average earning assets | $531,632,330 | 1,215 |
| Average equity | $81,508,330 | 978 |
| Average total loans | $344,532,330 | 1,358 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9956% | 3,240 |
| Cost of funding earning assets | 0.5933% | 1,376 |
| Net interest margin | 3.4024% | 3,859 |
| Noninterest income to average assets | 1.7684% | 403 |
| Noninterest expense to average assets | 3.8616% | 719 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0207% | 2,189 |
| Return on assets (ROA) | 1.0207% | 2,310 |
| Pretax return on assets | 0.9195% | 3,768 |
| Return on Equity (ROE) | 7.6622% | 3,106 |
| Retained earnings to average equity (ytd only) | 4.1635% | 3,404 |
| Net charge-offs to loans | -0.1716% | 5,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2395% | 1,576 |
| Assets per employee ($millions) | 3.8362% | 4,238 |
| Cash dividends to net income (ytd only)* | 45.6621% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 4,317 |
| Loan loss allowance to noncurrent loans | 62.5891% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.5445% | 1,306 |
| Noncurrent loans to loans | 1.6844% | 1,341 |
| Net loans and leases to total assets | 56.3310% | 4,216 |
| Net loans and leases to deposits | 69.0462% | 3,949 |
| Net loans and leases to core deposits | 72.4589% | 4,033 |
| Total domestic deposits to total assets | 81.5845% | 4,333 |
| Equity capital to assets | 13.2017% | 1,318 |
| Core capital (leverage) ratio | 10.7045% | 2,723 |
| Tier 1 risk-based capital ratio | 16.3395% | 2,544 |
| Total risk-based capital ratio | 17.3104% | 2,609 |
| Memoranda: | ||
| Average total assets | $600,779,500 | 1,173 |
| Average earning assets | $531,982,000 | 1,216 |
| Average equity | $80,029,500 | 992 |
| Average total loans | $340,261,500 | 1,367 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8547% | 3,865 |
| Cost of funding earning assets | 0.5649% | 1,633 |
| Net interest margin | 3.2898% | 4,329 |
| Noninterest income to average assets | 0.9677% | 1,266 |
| Noninterest expense to average assets | 3.0122% | 2,502 |
| Loan and lease loss provision to assets | 0.1470% | 1,603 |
| Net operating income to assets | 0.6000% | 4,268 |
| Return on assets (ROA) | 0.6984% | 3,925 |
| Pretax return on assets | 0.8166% | 4,139 |
| Return on Equity (ROE) | 5.1535% | 4,433 |
| Retained earnings to average equity (ytd only) | 0.4897% | 5,321 |
| Net charge-offs to loans | 0.2628% | 1,145 |
| Credit loss provision to net charge-offs | 101.7011% | 2,462 |
| Earnings coverage of net charge-offs (x) | 5.8761% | 3,312 |
| Efficiency ratio | 77.5929% | 2,033 |
| Assets per employee ($millions) | 3.6931% | 4,489 |
| Cash dividends to net income (ytd only)* | 90.4977% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 3,891 |
| Loan loss allowance to noncurrent loans | 68.4260% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.5120% | 1,340 |
| Noncurrent loans to loans | 1.6457% | 1,382 |
| Net loans and leases to total assets | 55.6788% | 4,320 |
| Net loans and leases to deposits | 68.7664% | 4,054 |
| Net loans and leases to core deposits | 72.6373% | 4,077 |
| Total domestic deposits to total assets | 80.9680% | 4,495 |
| Equity capital to assets | 13.4520% | 1,142 |
| Core capital (leverage) ratio | 10.7545% | 2,654 |
| Tier 1 risk-based capital ratio | 16.2142% | 2,600 |
| Total risk-based capital ratio | 17.2135% | 2,642 |
| Memoranda: | ||
| Average total assets | $569,576,600 | 1,201 |
| Average earning assets | $500,972,400 | 1,248 |
| Average equity | $77,190,200 | 985 |
| Average total loans | $313,176,200 | 1,412 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 3,879 |
| Cost of funding earning assets | 0.5657% | 1,662 |
| Net interest margin | 3.2988% | 4,347 |
| Noninterest income to average assets | 0.9835% | 1,222 |
| Noninterest expense to average assets | 3.0333% | 2,421 |
| Loan and lease loss provision to assets | 0.1959% | 1,032 |
| Net operating income to assets | 0.5883% | 4,441 |
| Return on assets (ROA) | 0.5923% | 4,524 |
| Pretax return on assets | 0.6577% | 4,809 |
| Return on Equity (ROE) | 4.3622% | 4,885 |
| Retained earnings to average equity (ytd only) | 0.3919% | 5,505 |
| Net charge-offs to loans | 0.2076% | 1,249 |
| Credit loss provision to net charge-offs | 172.7273% | 1,513 |
| Earnings coverage of net charge-offs (x) | 7.4855% | 2,910 |
| Efficiency ratio | 77.7120% | 1,990 |
| Assets per employee ($millions) | 3.6121% | 4,585 |
| Cash dividends to net income (ytd only)* | 91.0170% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 3,360 |
| Loan loss allowance to noncurrent loans | 63.7327% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.7390% | 1,245 |
| Noncurrent loans to loans | 1.9630% | 1,186 |
| Net loans and leases to total assets | 55.2286% | 4,438 |
| Net loans and leases to deposits | 68.6522% | 4,128 |
| Net loans and leases to core deposits | 72.6122% | 4,140 |
| Total domestic deposits to total assets | 80.4470% | 4,626 |
| Equity capital to assets | 13.6535% | 1,155 |
| Core capital (leverage) ratio | 10.6693% | 2,856 |
| Tier 1 risk-based capital ratio | 16.4671% | 2,592 |
| Total risk-based capital ratio | 17.5814% | 2,603 |
| Memoranda: | ||
| Average total assets | $568,864,250 | 1,207 |
| Average earning assets | $499,934,250 | 1,253 |
| Average equity | $77,237,000 | 995 |
| Average total loans | $310,882,750 | 1,426 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8783% | 3,782 |
| Cost of funding earning assets | 0.5692% | 1,652 |
| Net interest margin | 3.3091% | 4,267 |
| Noninterest income to average assets | 0.9604% | 1,278 |
| Noninterest expense to average assets | 3.0332% | 2,453 |
| Loan and lease loss provision to assets | 0.1668% | 1,255 |
| Net operating income to assets | 0.5938% | 4,379 |
| Return on assets (ROA) | 0.5998% | 4,445 |
| Pretax return on assets | 0.6721% | 4,747 |
| Return on Equity (ROE) | 4.4224% | 4,851 |
| Retained earnings to average equity (ytd only) | 0.5386% | 5,337 |
| Net charge-offs to loans | 0.2902% | 902 |
| Credit loss provision to net charge-offs | 106.0268% | 1,973 |
| Earnings coverage of net charge-offs (x) | 5.2902% | 2,937 |
| Efficiency ratio | 78.0523% | 2,065 |
| Assets per employee ($millions) | 3.5709% | 4,675 |
| Cash dividends to net income (ytd only)* | 87.8220% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 4,076 |
| Loan loss allowance to noncurrent loans | 51.2089% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 1.6309% | 1,473 |
| Noncurrent loans to loans | 2.2483% | 1,058 |
| Net loans and leases to total assets | 55.0882% | 4,444 |
| Net loans and leases to deposits | 68.4522% | 4,089 |
| Net loans and leases to core deposits | 72.3496% | 4,101 |
| Total domestic deposits to total assets | 80.4768% | 4,754 |
| Equity capital to assets | 13.4708% | 1,184 |
| Core capital (leverage) ratio | 10.7020% | 2,732 |
| Tier 1 risk-based capital ratio | 16.5526% | 2,587 |
| Total risk-based capital ratio | 17.5809% | 2,655 |
| Memoranda: | ||
| Average total assets | $569,559,000 | 1,204 |
| Average earning assets | $500,013,000 | 1,262 |
| Average equity | $77,243,330 | 996 |
| Average total loans | $308,787,330 | 1,439 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9065% | 3,576 |
| Cost of funding earning assets | 0.5661% | 1,695 |
| Net interest margin | 3.3404% | 4,058 |
| Noninterest income to average assets | 0.9312% | 1,296 |
| Noninterest expense to average assets | 3.1168% | 2,219 |
| Loan and lease loss provision to assets | 0.0701% | 2,536 |
| Net operating income to assets | 0.5981% | 4,299 |
| Return on assets (ROA) | 0.5981% | 4,396 |
| Pretax return on assets | 0.6738% | 4,676 |
| Return on Equity (ROE) | 4.3956% | 4,805 |
| Retained earnings to average equity (ytd only) | 0.7884% | 5,141 |
| Net charge-offs to loans | 0.0512% | 2,271 |
| Credit loss provision to net charge-offs | 256.4103% | 909 |
| Earnings coverage of net charge-offs (x) | 27.2051% | 1,216 |
| Efficiency ratio | 80.3124% | 1,858 |
| Assets per employee ($millions) | 3.6050% | 4,712 |
| Cash dividends to net income (ytd only)* | 82.0633% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 3,983 |
| Loan loss allowance to noncurrent loans | 50.6893% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 1.6377% | 1,552 |
| Noncurrent loans to loans | 2.3670% | 1,038 |
| Net loans and leases to total assets | 52.8238% | 4,578 |
| Net loans and leases to deposits | 65.4999% | 4,197 |
| Net loans and leases to core deposits | 68.8532% | 4,250 |
| Total domestic deposits to total assets | 80.6471% | 4,902 |
| Equity capital to assets | 13.6185% | 1,119 |
| Core capital (leverage) ratio | 10.7289% | 2,716 |
| Tier 1 risk-based capital ratio | 16.6786% | 2,604 |
| Total risk-based capital ratio | 17.7268% | 2,633 |
| Memoranda: | ||
| Average total assets | $570,453,500 | 1,210 |
| Average earning assets | $500,297,500 | 1,264 |
| Average equity | $77,623,500 | 986 |
| Average total loans | $304,972,500 | 1,454 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 3,594 |
| Cost of funding earning assets | 0.6095% | 1,683 |
| Net interest margin | 3.4214% | 4,101 |
| Noninterest income to average assets | 1.3274% | 701 |
| Noninterest expense to average assets | 3.1915% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0047% | 2,360 |
| Return on assets (ROA) | 1.0281% | 2,343 |
| Pretax return on assets | 1.1550% | 2,853 |
| Return on Equity (ROE) | 7.7436% | 3,248 |
| Retained earnings to average equity (ytd only) | 3.5252% | 3,712 |
| Net charge-offs to loans | 0.0831% | 3,306 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 26.0603% | 1,480 |
| Efficiency ratio | 73.1991% | 2,985 |
| Assets per employee ($millions) | 3.9700% | 4,022 |
| Cash dividends to net income (ytd only)* | 54.4761% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 4,055 |
| Loan loss allowance to noncurrent loans | 65.4717% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.3634% | 2,047 |
| Noncurrent loans to loans | 1.8199% | 1,576 |
| Net loans and leases to total assets | 52.8205% | 4,713 |
| Net loans and leases to deposits | 65.4331% | 4,384 |
| Net loans and leases to core deposits | 68.8140% | 4,424 |
| Total domestic deposits to total assets | 80.7245% | 4,814 |
| Equity capital to assets | 13.5961% | 1,116 |
| Core capital (leverage) ratio | 11.6665% | 1,849 |
| Tier 1 risk-based capital ratio | 17.3775% | 2,365 |
| Total risk-based capital ratio | 18.4504% | 2,380 |
| Memoranda: | ||
| Average total assets | $535,649,400 | 1,252 |
| Average earning assets | $468,544,800 | 1,310 |
| Average equity | $71,117,200 | 1,033 |
| Average total loans | $279,262,000 | 1,521 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 3,082 |
| Cost of funding earning assets | 0.6323% | 1,582 |
| Net interest margin | 3.5393% | 3,675 |
| Noninterest income to average assets | 1.0747% | 1,055 |
| Noninterest expense to average assets | 3.2860% | 1,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7436% | 3,703 |
| Return on assets (ROA) | 0.7735% | 3,659 |
| Pretax return on assets | 0.9206% | 3,902 |
| Return on Equity (ROE) | 5.8639% | 4,304 |
| Retained earnings to average equity (ytd only) | 1.8410% | 5,132 |
| Net charge-offs to loans | 0.1030% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 16.5970% | 1,959 |
| Efficiency ratio | 77.8384% | 2,205 |
| Assets per employee ($millions) | 3.4682% | 4,919 |
| Cash dividends to net income (ytd only)* | 68.6051% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 3,429 |
| Loan loss allowance to noncurrent loans | 87.8927% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 2,702 |
| Noncurrent loans to loans | 1.5283% | 2,118 |
| Net loans and leases to total assets | 52.0397% | 4,802 |
| Net loans and leases to deposits | 64.8076% | 4,454 |
| Net loans and leases to core deposits | 67.6969% | 4,540 |
| Total domestic deposits to total assets | 80.2987% | 5,016 |
| Equity capital to assets | 13.7988% | 1,074 |
| Core capital (leverage) ratio | 10.5980% | 2,922 |
| Tier 1 risk-based capital ratio | 17.3912% | 2,433 |
| Total risk-based capital ratio | 18.5857% | 2,416 |
| Memoranda: | ||
| Average total assets | $527,633,000 | 1,278 |
| Average earning assets | $461,590,250 | 1,338 |
| Average equity | $69,599,750 | 1,059 |
| Average total loans | $273,206,000 | 1,566 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 2,933 |
| Cost of funding earning assets | 0.6485% | 1,525 |
| Net interest margin | 3.5569% | 3,545 |
| Noninterest income to average assets | 1.0845% | 1,014 |
| Noninterest expense to average assets | 3.3128% | 1,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7398% | 3,623 |
| Return on assets (ROA) | 0.7783% | 3,535 |
| Pretax return on assets | 0.9286% | 3,770 |
| Return on Equity (ROE) | 5.9893% | 4,155 |
| Retained earnings to average equity (ytd only) | 2.8096% | 4,414 |
| Net charge-offs to loans | 0.1131% | 2,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.1613% | 1,867 |
| Efficiency ratio | 77.5629% | 2,363 |
| Assets per employee ($millions) | 3.6413% | 4,571 |
| Cash dividends to net income (ytd only)* | 53.0888% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 3,623 |
| Loan loss allowance to noncurrent loans | 102.4126% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0081% | 3,052 |
| Noncurrent loans to loans | 1.3111% | 2,618 |
| Net loans and leases to total assets | 51.7480% | 4,771 |
| Net loans and leases to deposits | 65.0486% | 4,369 |
| Net loans and leases to core deposits | 68.0772% | 4,456 |
| Total domestic deposits to total assets | 79.5528% | 5,338 |
| Equity capital to assets | 13.4654% | 1,176 |
| Core capital (leverage) ratio | 10.3243% | 3,175 |
| Tier 1 risk-based capital ratio | 17.0362% | 2,603 |
| Total risk-based capital ratio | 18.2240% | 2,589 |
| Memoranda: | ||
| Average total assets | $532,413,670 | 1,259 |
| Average earning assets | $465,690,330 | 1,319 |
| Average equity | $69,190,330 | 1,056 |
| Average total loans | $274,024,000 | 1,560 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 3,195 |
| Cost of funding earning assets | 0.6671% | 1,458 |
| Net interest margin | 3.4549% | 3,878 |
| Noninterest income to average assets | 0.9671% | 1,209 |
| Noninterest expense to average assets | 3.1496% | 2,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7186% | 3,586 |
| Return on assets (ROA) | 0.7218% | 3,665 |
| Pretax return on assets | 0.8448% | 3,923 |
| Return on Equity (ROE) | 5.6540% | 4,209 |
| Retained earnings to average equity (ytd only) | 3.9017% | 3,776 |
| Net charge-offs to loans | -0.2091% | 6,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4664% | 2,560 |
| Assets per employee ($millions) | 3.6892% | 4,540 |
| Cash dividends to net income (ytd only)* | 30.9917% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 3,304 |
| Loan loss allowance to noncurrent loans | 69.6631% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.4480% | 2,450 |
| Noncurrent loans to loans | 2.1042% | 1,748 |
| Net loans and leases to total assets | 49.8078% | 4,930 |
| Net loans and leases to deposits | 62.0786% | 4,536 |
| Net loans and leases to core deposits | 64.8953% | 4,605 |
| Total domestic deposits to total assets | 80.2335% | 5,442 |
| Equity capital to assets | 12.8598% | 1,379 |
| Core capital (leverage) ratio | 10.1129% | 3,412 |
| Tier 1 risk-based capital ratio | 16.8204% | 2,768 |
| Total risk-based capital ratio | 18.0707% | 2,730 |
| Memoranda: | ||
| Average total assets | $536,448,000 | 1,264 |
| Average earning assets | $469,481,000 | 1,317 |
| Average equity | $68,483,000 | 1,069 |
| Average total loans | $273,520,500 | 1,562 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 3,432 |
| Cost of funding earning assets | 0.7745% | 1,349 |
| Net interest margin | 3.4007% | 4,270 |
| Noninterest income to average assets | 0.9316% | 1,578 |
| Noninterest expense to average assets | 3.1068% | 2,713 |
| Loan and lease loss provision to assets | 0.0183% | 4,763 |
| Net operating income to assets | 0.6845% | 3,876 |
| Return on assets (ROA) | 0.7056% | 3,855 |
| Pretax return on assets | 0.8102% | 4,109 |
| Return on Equity (ROE) | 5.5423% | 4,366 |
| Retained earnings to average equity (ytd only) | 0.2297% | 5,743 |
| Net charge-offs to loans | 0.1265% | 3,553 |
| Credit loss provision to net charge-offs | 27.3224% | 4,304 |
| Earnings coverage of net charge-offs (x) | 12.0191% | 2,180 |
| Efficiency ratio | 77.9845% | 2,469 |
| Assets per employee ($millions) | 3.4470% | 4,997 |
| Cash dividends to net income (ytd only)* | 95.8549% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 3,656 |
| Loan loss allowance to noncurrent loans | 62.4675% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 1.5327% | 2,426 |
| Noncurrent loans to loans | 2.2418% | 1,732 |
| Net loans and leases to total assets | 50.7092% | 5,004 |
| Net loans and leases to deposits | 63.7781% | 4,529 |
| Net loans and leases to core deposits | 66.7148% | 4,635 |
| Total domestic deposits to total assets | 79.5088% | 5,547 |
| Equity capital to assets | 12.6715% | 1,435 |
| Core capital (leverage) ratio | 9.9730% | 3,612 |
| Tier 1 risk-based capital ratio | 16.4666% | 2,870 |
| Total risk-based capital ratio | 17.6893% | 2,846 |
| Memoranda: | ||
| Average total assets | $547,032,400 | 1,214 |
| Average earning assets | $479,253,200 | 1,272 |
| Average equity | $69,646,200 | 1,029 |
| Average total loans | $289,371,200 | 1,471 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1935% | 3,408 |
| Cost of funding earning assets | 0.7948% | 1,356 |
| Net interest margin | 3.3988% | 4,291 |
| Noninterest income to average assets | 0.9955% | 1,469 |
| Noninterest expense to average assets | 3.1175% | 2,599 |
| Loan and lease loss provision to assets | 0.0242% | 4,524 |
| Net operating income to assets | 0.7141% | 3,787 |
| Return on assets (ROA) | 0.7350% | 3,806 |
| Pretax return on assets | 0.8573% | 4,063 |
| Return on Equity (ROE) | 5.7661% | 4,304 |
| Retained earnings to average equity (ytd only) | 0.6331% | 5,715 |
| Net charge-offs to loans | 0.1488% | 3,054 |
| Credit loss provision to net charge-offs | 30.5810% | 3,884 |
| Earnings coverage of net charge-offs (x) | 10.8196% | 2,314 |
| Efficiency ratio | 77.0103% | 2,560 |
| Assets per employee ($millions) | 3.3848% | 5,093 |
| Cash dividends to net income (ytd only)* | 89.0207% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 4,023 |
| Loan loss allowance to noncurrent loans | 94.2760% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.2108% | 3,222 |
| Noncurrent loans to loans | 1.4546% | 2,984 |
| Net loans and leases to total assets | 51.6217% | 4,925 |
| Net loans and leases to deposits | 64.4337% | 4,468 |
| Net loans and leases to core deposits | 67.5565% | 4,567 |
| Total domestic deposits to total assets | 80.1160% | 5,473 |
| Equity capital to assets | 12.6351% | 1,509 |
| Core capital (leverage) ratio | 9.9275% | 3,779 |
| Tier 1 risk-based capital ratio | 16.1938% | 3,084 |
| Total risk-based capital ratio | 17.4062% | 3,060 |
| Memoranda: | ||
| Average total assets | $550,221,000 | 1,216 |
| Average earning assets | $482,317,500 | 1,279 |
| Average equity | $70,132,500 | 1,024 |
| Average total loans | $293,020,000 | 1,441 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2062% | 3,345 |
| Cost of funding earning assets | 0.8191% | 1,309 |
| Net interest margin | 3.3871% | 4,237 |
| Noninterest income to average assets | 1.0107% | 1,503 |
| Noninterest expense to average assets | 3.1173% | 2,614 |
| Loan and lease loss provision to assets | 0.0362% | 4,221 |
| Net operating income to assets | 0.7105% | 3,753 |
| Return on assets (ROA) | 0.7413% | 3,767 |
| Pretax return on assets | 0.8689% | 4,026 |
| Return on Equity (ROE) | 5.7991% | 4,293 |
| Retained earnings to average equity (ytd only) | 0.9901% | 5,508 |
| Net charge-offs to loans | 0.1296% | 3,080 |
| Credit loss provision to net charge-offs | 52.0833% | 3,174 |
| Earnings coverage of net charge-offs (x) | 12.5156% | 1,971 |
| Efficiency ratio | 76.7870% | 2,669 |
| Assets per employee ($millions) | 3.3397% | 5,189 |
| Cash dividends to net income (ytd only)* | 82.9268% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 4,090 |
| Loan loss allowance to noncurrent loans | 122.6593% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 1.0700% | 3,601 |
| Noncurrent loans to loans | 1.1325% | 3,668 |
| Net loans and leases to total assets | 52.7741% | 4,774 |
| Net loans and leases to deposits | 66.2656% | 4,235 |
| Net loans and leases to core deposits | 69.4448% | 4,329 |
| Total domestic deposits to total assets | 79.6404% | 5,681 |
| Equity capital to assets | 12.6596% | 1,493 |
| Core capital (leverage) ratio | 9.7893% | 3,809 |
| Tier 1 risk-based capital ratio | 16.0773% | 3,148 |
| Total risk-based capital ratio | 17.3242% | 3,094 |
| Memoranda: | ||
| Average total assets | $553,107,670 | 1,209 |
| Average earning assets | $485,897,330 | 1,268 |
| Average equity | $70,701,000 | 1,020 |
| Average total loans | $296,210,000 | 1,426 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1748% | 3,406 |
| Cost of funding earning assets | 0.8411% | 1,302 |
| Net interest margin | 3.3337% | 4,386 |
| Noninterest income to average assets | 0.9071% | 1,734 |
| Noninterest expense to average assets | 3.0075% | 2,967 |
| Loan and lease loss provision to assets | 0.0715% | 3,435 |
| Net operating income to assets | 0.6673% | 3,863 |
| Return on assets (ROA) | 0.6760% | 3,962 |
| Pretax return on assets | 0.7726% | 4,286 |
| Return on Equity (ROE) | 5.2643% | 4,422 |
| Retained earnings to average equity (ytd only) | 2.4789% | 4,785 |
| Net charge-offs to loans | 0.0881% | 2,956 |
| Credit loss provision to net charge-offs | 151.5152% | 1,351 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,300 |
| Efficiency ratio | 76.8343% | 2,790 |
| Assets per employee ($millions) | 3.3922% | 5,228 |
| Cash dividends to net income (ytd only)* | 52.9101% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 4,245 |
| Loan loss allowance to noncurrent loans | 144.6304% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 4,089 |
| Noncurrent loans to loans | 0.9664% | 4,202 |
| Net loans and leases to total assets | 52.2835% | 4,669 |
| Net loans and leases to deposits | 65.8553% | 4,072 |
| Net loans and leases to core deposits | 69.0634% | 4,178 |
| Total domestic deposits to total assets | 79.3915% | 5,898 |
| Equity capital to assets | 12.8319% | 1,509 |
| Core capital (leverage) ratio | 9.6242% | 3,879 |
| Tier 1 risk-based capital ratio | 16.0002% | 3,271 |
| Total risk-based capital ratio | 17.2506% | 3,229 |
| Memoranda: | ||
| Average total assets | $559,143,500 | 1,208 |
| Average earning assets | $492,187,000 | 1,260 |
| Average equity | $71,805,000 | 1,013 |
| Average total loans | $299,540,500 | 1,416 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 3,382 |
| Cost of funding earning assets | 0.9502% | 1,647 |
| Net interest margin | 3.5517% | 4,291 |
| Noninterest income to average assets | 0.9870% | 1,566 |
| Noninterest expense to average assets | 3.2750% | 2,409 |
| Loan and lease loss provision to assets | 0.1322% | 3,970 |
| Net operating income to assets | 0.5998% | 4,239 |
| Return on assets (ROA) | 0.6183% | 4,415 |
| Pretax return on assets | 0.7092% | 4,639 |
| Return on Equity (ROE) | 4.8246% | 4,765 |
| Retained earnings to average equity (ytd only) | -0.0671% | 5,854 |
| Net charge-offs to loans | 0.3687% | 2,785 |
| Credit loss provision to net charge-offs | 64.1182% | 4,339 |
| Earnings coverage of net charge-offs (x) | 3.9774% | 3,529 |
| Efficiency ratio | 78.6142% | 2,340 |
| Assets per employee ($millions) | 3.2476% | 5,519 |
| Cash dividends to net income (ytd only)* | 101.3905% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 4,350 |
| Loan loss allowance to noncurrent loans | 119.7671% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.9558% | 4,115 |
| Noncurrent loans to loans | 1.1363% | 3,945 |
| Net loans and leases to total assets | 53.3826% | 4,706 |
| Net loans and leases to deposits | 68.2869% | 3,937 |
| Net loans and leases to core deposits | 71.7669% | 4,068 |
| Total domestic deposits to total assets | 78.1740% | 6,051 |
| Equity capital to assets | 12.8520% | 1,518 |
| Core capital (leverage) ratio | 9.5682% | 4,013 |
| Tier 1 risk-based capital ratio | 15.7371% | 3,297 |
| Total risk-based capital ratio | 16.9874% | 3,255 |
| Memoranda: | ||
| Average total assets | $558,266,800 | 1,196 |
| Average earning assets | $488,520,000 | 1,247 |
| Average equity | $71,550,000 | 988 |
| Average total loans | $312,207,400 | 1,348 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 3,488 |
| Cost of funding earning assets | 0.9714% | 1,733 |
| Net interest margin | 3.5651% | 4,377 |
| Noninterest income to average assets | 1.0496% | 1,380 |
| Noninterest expense to average assets | 3.2965% | 2,283 |
| Loan and lease loss provision to assets | 0.1405% | 3,783 |
| Net operating income to assets | 0.6253% | 4,266 |
| Return on assets (ROA) | 0.6497% | 4,403 |
| Pretax return on assets | 0.7584% | 4,640 |
| Return on Equity (ROE) | 5.0728% | 4,790 |
| Retained earnings to average equity (ytd only) | -0.5222% | 6,182 |
| Net charge-offs to loans | 0.4148% | 2,430 |
| Credit loss provision to net charge-offs | 60.0613% | 4,144 |
| Earnings coverage of net charge-offs (x) | 3.7222% | 3,538 |
| Efficiency ratio | 77.7759% | 2,424 |
| Assets per employee ($millions) | 3.2060% | 5,621 |
| Cash dividends to net income (ytd only)* | 110.2940% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 4,597 |
| Loan loss allowance to noncurrent loans | 87.4604% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.2569% | 3,790 |
| Noncurrent loans to loans | 1.5402% | 3,479 |
| Net loans and leases to total assets | 54.6121% | 4,651 |
| Net loans and leases to deposits | 69.6799% | 3,941 |
| Net loans and leases to core deposits | 73.3446% | 4,069 |
| Total domestic deposits to total assets | 78.3756% | 5,997 |
| Equity capital to assets | 12.9814% | 1,599 |
| Core capital (leverage) ratio | 9.5180% | 4,237 |
| Tier 1 risk-based capital ratio | 15.6948% | 3,428 |
| Total risk-based capital ratio | 16.9449% | 3,392 |
| Memoranda: | ||
| Average total assets | $558,188,250 | 1,208 |
| Average earning assets | $488,087,500 | 1,262 |
| Average equity | $71,490,250 | 993 |
| Average total loans | $314,684,500 | 1,348 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 3,385 |
| Cost of funding earning assets | 0.9916% | 1,819 |
| Net interest margin | 3.6030% | 4,248 |
| Noninterest income to average assets | 1.0387% | 1,357 |
| Noninterest expense to average assets | 3.2987% | 2,306 |
| Loan and lease loss provision to assets | 0.1566% | 3,558 |
| Net operating income to assets | 0.6203% | 4,278 |
| Return on assets (ROA) | 0.6564% | 4,341 |
| Pretax return on assets | 0.7698% | 4,574 |
| Return on Equity (ROE) | 5.1486% | 4,734 |
| Retained earnings to average equity (ytd only) | -0.4599% | 6,115 |
| Net charge-offs to loans | 0.5479% | 1,946 |
| Credit loss provision to net charge-offs | 50.4028% | 4,030 |
| Earnings coverage of net charge-offs (x) | 2.8446% | 3,607 |
| Efficiency ratio | 77.5432% | 2,516 |
| Assets per employee ($millions) | 3.0735% | 5,906 |
| Cash dividends to net income (ytd only)* | 108.9325% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 4,851 |
| Loan loss allowance to noncurrent loans | 77.2393% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.4436% | 3,545 |
| Noncurrent loans to loans | 1.6968% | 3,354 |
| Net loans and leases to total assets | 55.4438% | 4,555 |
| Net loans and leases to deposits | 70.6881% | 3,797 |
| Net loans and leases to core deposits | 74.3286% | 3,977 |
| Total domestic deposits to total assets | 78.4345% | 6,074 |
| Equity capital to assets | 12.8696% | 1,582 |
| Core capital (leverage) ratio | 9.4849% | 4,158 |
| Tier 1 risk-based capital ratio | 15.3503% | 3,539 |
| Total risk-based capital ratio | 16.5832% | 3,513 |
| Memoranda: | ||
| Average total assets | $559,373,000 | 1,206 |
| Average earning assets | $488,093,670 | 1,262 |
| Average equity | $71,320,670 | 987 |
| Average total loans | $317,235,000 | 1,336 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5970% | 3,516 |
| Cost of funding earning assets | 1.0176% | 1,879 |
| Net interest margin | 3.5793% | 4,352 |
| Noninterest income to average assets | 1.1025% | 1,164 |
| Noninterest expense to average assets | 3.2911% | 2,313 |
| Loan and lease loss provision to assets | 0.2054% | 2,901 |
| Net operating income to assets | 0.6283% | 4,226 |
| Return on assets (ROA) | 0.6283% | 4,435 |
| Pretax return on assets | 0.7288% | 4,694 |
| Return on Equity (ROE) | 4.9506% | 4,811 |
| Retained earnings to average equity (ytd only) | -0.6687% | 6,102 |
| Net charge-offs to loans | 0.4481% | 1,968 |
| Credit loss provision to net charge-offs | 80.4469% | 2,718 |
| Earnings coverage of net charge-offs (x) | 3.6592% | 2,784 |
| Efficiency ratio | 76.5738% | 2,701 |
| Assets per employee ($millions) | 3.1160% | 5,928 |
| Cash dividends to net income (ytd only)* | 113.5074% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 4,605 |
| Loan loss allowance to noncurrent loans | 100.0674% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.4024% | 3,768 |
| Noncurrent loans to loans | 1.4009% | 4,012 |
| Net loans and leases to total assets | 55.2783% | 4,515 |
| Net loans and leases to deposits | 70.4631% | 3,664 |
| Net loans and leases to core deposits | 74.2887% | 3,867 |
| Total domestic deposits to total assets | 78.4500% | 6,198 |
| Equity capital to assets | 12.5565% | 1,687 |
| Core capital (leverage) ratio | 9.5413% | 3,992 |
| Tier 1 risk-based capital ratio | 15.1738% | 3,639 |
| Total risk-based capital ratio | 16.4246% | 3,597 |
| Memoranda: | ||
| Average total assets | $560,905,000 | 1,211 |
| Average earning assets | $489,364,500 | 1,260 |
| Average equity | $71,183,500 | 982 |
| Average total loans | $319,585,000 | 1,326 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 3,252 |
| Cost of funding earning assets | 1.1929% | 2,077 |
| Net interest margin | 3.7295% | 4,159 |
| Noninterest income to average assets | 1.0992% | 1,101 |
| Noninterest expense to average assets | 3.2770% | 2,598 |
| Loan and lease loss provision to assets | 0.2422% | 3,783 |
| Net operating income to assets | 0.6925% | 3,524 |
| Return on assets (ROA) | 0.7311% | 3,510 |
| Pretax return on assets | 0.8793% | 3,676 |
| Return on Equity (ROE) | 6.0419% | 3,852 |
| Retained earnings to average equity (ytd only) | 3.9186% | 3,422 |
| Net charge-offs to loans | 0.4620% | 3,138 |
| Credit loss provision to net charge-offs | 86.6792% | 4,173 |
| Earnings coverage of net charge-offs (x) | 3.8468% | 3,369 |
| Efficiency ratio | 74.0482% | 3,232 |
| Assets per employee ($millions) | 2.9505% | 6,194 |
| Cash dividends to net income (ytd only)* | 35.1422% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 4,412 |
| Loan loss allowance to noncurrent loans | 111.3927% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.3488% | 3,981 |
| Noncurrent loans to loans | 1.2652% | 4,259 |
| Net loans and leases to total assets | 57.0935% | 4,529 |
| Net loans and leases to deposits | 72.9919% | 3,667 |
| Net loans and leases to core deposits | 77.3034% | 3,780 |
| Total domestic deposits to total assets | 78.2189% | 6,151 |
| Equity capital to assets | 12.8282% | 1,582 |
| Core capital (leverage) ratio | 9.4640% | 4,086 |
| Tier 1 risk-based capital ratio | 15.1842% | 3,526 |
| Total risk-based capital ratio | 16.4355% | 3,488 |
| Memoranda: | ||
| Average total assets | $572,145,200 | 1,150 |
| Average earning assets | $499,026,600 | 1,216 |
| Average equity | $69,233,200 | 973 |
| Average total loans | $346,071,400 | 1,224 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9469% | 3,344 |
| Cost of funding earning assets | 1.2210% | 2,186 |
| Net interest margin | 3.7259% | 4,221 |
| Noninterest income to average assets | 1.0902% | 1,127 |
| Noninterest expense to average assets | 3.2508% | 2,658 |
| Loan and lease loss provision to assets | 0.2431% | 3,572 |
| Net operating income to assets | 0.6953% | 3,647 |
| Return on assets (ROA) | 0.7292% | 3,648 |
| Pretax return on assets | 0.8869% | 3,818 |
| Return on Equity (ROE) | 6.1146% | 3,969 |
| Retained earnings to average equity (ytd only) | 4.0880% | 3,818 |
| Net charge-offs to loans | 0.3910% | 3,159 |
| Credit loss provision to net charge-offs | 101.7425% | 3,294 |
| Earnings coverage of net charge-offs (x) | 4.5566% | 3,024 |
| Efficiency ratio | 73.6716% | 3,245 |
| Assets per employee ($millions) | 3.0619% | 5,984 |
| Cash dividends to net income (ytd only)* | 33.1431% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 4,488 |
| Loan loss allowance to noncurrent loans | 93.5325% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.8706% | 3,307 |
| Noncurrent loans to loans | 1.5131% | 4,019 |
| Net loans and leases to total assets | 58.8280% | 4,350 |
| Net loans and leases to deposits | 76.9028% | 3,177 |
| Net loans and leases to core deposits | 81.5509% | 3,396 |
| Total domestic deposits to total assets | 76.4965% | 6,456 |
| Equity capital to assets | 12.5891% | 1,858 |
| Core capital (leverage) ratio | 9.3538% | 4,371 |
| Tier 1 risk-based capital ratio | 14.4411% | 4,018 |
| Total risk-based capital ratio | 15.6924% | 3,989 |
| Memoranda: | ||
| Average total assets | $576,506,250 | 1,151 |
| Average earning assets | $502,735,500 | 1,209 |
| Average equity | $68,752,000 | 983 |
| Average total loans | $352,283,000 | 1,216 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0022% | 3,142 |
| Cost of funding earning assets | 1.2651% | 2,151 |
| Net interest margin | 3.7371% | 4,090 |
| Noninterest income to average assets | 1.0367% | 1,234 |
| Noninterest expense to average assets | 3.2733% | 2,658 |
| Loan and lease loss provision to assets | 0.1956% | 3,975 |
| Net operating income to assets | 0.6777% | 3,653 |
| Return on assets (ROA) | 0.7282% | 3,511 |
| Pretax return on assets | 0.8873% | 3,668 |
| Return on Equity (ROE) | 6.2181% | 3,842 |
| Retained earnings to average equity (ytd only) | 3.9102% | 3,704 |
| Net charge-offs to loans | 0.2941% | 3,404 |
| Credit loss provision to net charge-offs | 107.9848% | 2,844 |
| Earnings coverage of net charge-offs (x) | 5.6388% | 2,569 |
| Efficiency ratio | 74.9699% | 3,183 |
| Assets per employee ($millions) | 3.0513% | 5,973 |
| Cash dividends to net income (ytd only)* | 37.1158% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 4,696 |
| Loan loss allowance to noncurrent loans | 97.6915% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 1.7528% | 3,569 |
| Noncurrent loans to loans | 1.4090% | 4,301 |
| Net loans and leases to total assets | 59.0994% | 4,444 |
| Net loans and leases to deposits | 75.8370% | 3,510 |
| Net loans and leases to core deposits | 80.5046% | 3,715 |
| Total domestic deposits to total assets | 77.9294% | 6,301 |
| Equity capital to assets | 11.9445% | 2,125 |
| Core capital (leverage) ratio | 8.8589% | 4,943 |
| Tier 1 risk-based capital ratio | 13.7917% | 4,309 |
| Total risk-based capital ratio | 15.0427% | 4,284 |
| Memoranda: | ||
| Average total assets | $580,877,670 | 1,152 |
| Average earning assets | $506,380,330 | 1,205 |
| Average equity | $68,027,330 | 993 |
| Average total loans | $357,647,330 | 1,214 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9363% | 3,379 |
| Cost of funding earning assets | 1.3312% | 2,003 |
| Net interest margin | 3.6052% | 4,545 |
| Noninterest income to average assets | 0.9982% | 1,333 |
| Noninterest expense to average assets | 3.2966% | 2,566 |
| Loan and lease loss provision to assets | 0.1032% | 4,721 |
| Net operating income to assets | 0.6303% | 3,865 |
| Return on assets (ROA) | 0.6707% | 3,726 |
| Pretax return on assets | 0.7953% | 3,912 |
| Return on Equity (ROE) | 5.7849% | 4,025 |
| Retained earnings to average equity (ytd only) | 2.6700% | 4,564 |
| Net charge-offs to loans | 0.0562% | 4,371 |
| Credit loss provision to net charge-offs | 294.1176% | 1,092 |
| Earnings coverage of net charge-offs (x) | 24.2353% | 990 |
| Efficiency ratio | 78.2017% | 2,814 |
| Assets per employee ($millions) | 3.2866% | 5,513 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 4,909 |
| Loan loss allowance to noncurrent loans | 70.2118% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 2.0001% | 3,315 |
| Noncurrent loans to loans | 1.9200% | 3,674 |
| Net loans and leases to total assets | 60.5325% | 4,168 |
| Net loans and leases to deposits | 77.0393% | 3,245 |
| Net loans and leases to core deposits | 81.8766% | 3,474 |
| Total domestic deposits to total assets | 78.5735% | 6,279 |
| Equity capital to assets | 11.6239% | 2,182 |
| Core capital (leverage) ratio | 8.6648% | 5,151 |
| Tier 1 risk-based capital ratio | 13.2538% | 4,616 |
| Total risk-based capital ratio | 14.5047% | 4,595 |
| Memoranda: | ||
| Average total assets | $581,439,500 | 1,157 |
| Average earning assets | $507,829,000 | 1,204 |
| Average equity | $67,416,500 | 996 |
| Average total loans | $362,764,500 | 1,207 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0898% | 4,132 |
| Cost of funding earning assets | 1.6387% | 1,871 |
| Net interest margin | 3.4511% | 5,426 |
| Noninterest income to average assets | 0.9687% | 1,613 |
| Noninterest expense to average assets | 3.2409% | 2,949 |
| Loan and lease loss provision to assets | 0.5665% | 2,862 |
| Net operating income to assets | 0.1948% | 5,279 |
| Return on assets (ROA) | 0.4950% | 4,277 |
| Pretax return on assets | 0.4772% | 4,702 |
| Return on Equity (ROE) | 4.3674% | 4,360 |
| Retained earnings to average equity (ytd only) | 4.3674% | 2,787 |
| Net charge-offs to loans | 1.2802% | 1,749 |
| Credit loss provision to net charge-offs | 68.6616% | 5,902 |
| Earnings coverage of net charge-offs (x) | 0.9012% | 5,213 |
| Efficiency ratio | 80.0178% | 2,414 |
| Assets per employee ($millions) | 3.3403% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 5,039 |
| Loan loss allowance to noncurrent loans | 51.0776% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 2.1970% | 3,102 |
| Noncurrent loans to loans | 2.5316% | 2,992 |
| Net loans and leases to total assets | 62.6144% | 4,146 |
| Net loans and leases to deposits | 80.4896% | 3,077 |
| Net loans and leases to core deposits | 86.1524% | 3,302 |
| Total domestic deposits to total assets | 77.7919% | 6,357 |
| Equity capital to assets | 11.5653% | 2,204 |
| Core capital (leverage) ratio | 8.4488% | 5,451 |
| Tier 1 risk-based capital ratio | 12.9565% | 4,631 |
| Total risk-based capital ratio | 14.2070% | 4,604 |
| Memoranda: | ||
| Average total assets | $591,310,000 | 1,134 |
| Average earning assets | $516,740,200 | 1,191 |
| Average equity | $67,019,800 | 1,000 |
| Average total loans | $381,106,000 | 1,191 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1191% | 4,222 |
| Cost of funding earning assets | 1.6745% | 1,988 |
| Net interest margin | 3.4445% | 5,514 |
| Noninterest income to average assets | 1.1567% | 1,046 |
| Noninterest expense to average assets | 3.2421% | 2,770 |
| Loan and lease loss provision to assets | 0.4820% | 3,061 |
| Net operating income to assets | 0.3631% | 4,917 |
| Return on assets (ROA) | 0.6711% | 3,703 |
| Pretax return on assets | 0.8188% | 3,829 |
| Return on Equity (ROE) | 5.9501% | 3,838 |
| Retained earnings to average equity (ytd only) | 5.9501% | 2,385 |
| Net charge-offs to loans | 1.2337% | 1,658 |
| Credit loss provision to net charge-offs | 60.3933% | 5,682 |
| Earnings coverage of net charge-offs (x) | 1.1593% | 4,904 |
| Efficiency ratio | 76.5427% | 2,847 |
| Assets per employee ($millions) | 3.4326% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,941 |
| Loan loss allowance to noncurrent loans | 57.7833% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.2074% | 3,187 |
| Noncurrent loans to loans | 2.2574% | 3,377 |
| Net loans and leases to total assets | 61.5567% | 4,623 |
| Net loans and leases to deposits | 79.5543% | 3,533 |
| Net loans and leases to core deposits | 85.0374% | 3,791 |
| Total domestic deposits to total assets | 77.3770% | 6,397 |
| Equity capital to assets | 11.5816% | 2,469 |
| Core capital (leverage) ratio | 8.3697% | 5,757 |
| Tier 1 risk-based capital ratio | 12.7723% | 4,757 |
| Total risk-based capital ratio | 14.0230% | 4,731 |
| Memoranda: | ||
| Average total assets | $594,670,250 | 1,137 |
| Average earning assets | $519,770,250 | 1,190 |
| Average equity | $67,066,750 | 997 |
| Average total loans | $384,740,250 | 1,187 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 3,925 |
| Cost of funding earning assets | 1.7117% | 2,056 |
| Net interest margin | 3.4939% | 5,270 |
| Noninterest income to average assets | 1.1441% | 994 |
| Noninterest expense to average assets | 3.2519% | 2,723 |
| Loan and lease loss provision to assets | 0.6231% | 2,302 |
| Net operating income to assets | 0.2556% | 5,353 |
| Return on assets (ROA) | 0.6959% | 3,577 |
| Pretax return on assets | 0.8727% | 3,612 |
| Return on Equity (ROE) | 6.2262% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.2262% | 2,215 |
| Net charge-offs to loans | 1.1152% | 1,700 |
| Credit loss provision to net charge-offs | 85.3321% | 4,559 |
| Earnings coverage of net charge-offs (x) | 1.2947% | 4,534 |
| Efficiency ratio | 76.2237% | 3,035 |
| Assets per employee ($millions) | 3.2060% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 3,583 |
| Loan loss allowance to noncurrent loans | 60.3672% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 2.3284% | 3,102 |
| Noncurrent loans to loans | 2.6021% | 3,036 |
| Net loans and leases to total assets | 62.1993% | 4,644 |
| Net loans and leases to deposits | 80.4764% | 3,520 |
| Net loans and leases to core deposits | 85.3247% | 3,929 |
| Total domestic deposits to total assets | 77.2889% | 6,435 |
| Equity capital to assets | 11.2206% | 2,668 |
| Core capital (leverage) ratio | 8.0844% | 6,147 |
| Tier 1 risk-based capital ratio | 12.3864% | 4,959 |
| Total risk-based capital ratio | 13.6404% | 4,938 |
| Memoranda: | ||
| Average total assets | $593,805,670 | 1,142 |
| Average earning assets | $518,898,000 | 1,194 |
| Average equity | $66,364,670 | 998 |
| Average total loans | $388,815,330 | 1,186 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1684% | 4,205 |
| Cost of funding earning assets | 1.7422% | 2,173 |
| Net interest margin | 3.4263% | 5,476 |
| Noninterest income to average assets | 1.0830% | 1,083 |
| Noninterest expense to average assets | 3.2592% | 2,674 |
| Loan and lease loss provision to assets | 0.2031% | 4,468 |
| Net operating income to assets | 0.4880% | 4,456 |
| Return on assets (ROA) | 0.4880% | 4,590 |
| Pretax return on assets | 0.6173% | 4,540 |
| Return on Equity (ROE) | 4.3755% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.3755% | 3,527 |
| Net charge-offs to loans | 0.1290% | 4,194 |
| Credit loss provision to net charge-offs | 236.2205% | 1,622 |
| Earnings coverage of net charge-offs (x) | 9.5433% | 1,837 |
| Efficiency ratio | 78.5963% | 2,792 |
| Assets per employee ($millions) | 3.2450% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 3,281 |
| Loan loss allowance to noncurrent loans | 41.4223% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 2.7493% | 2,641 |
| Noncurrent loans to loans | 3.9668% | 1,980 |
| Net loans and leases to total assets | 64.2326% | 4,284 |
| Net loans and leases to deposits | 83.1681% | 3,080 |
| Net loans and leases to core deposits | 88.4718% | 3,577 |
| Total domestic deposits to total assets | 77.2322% | 6,509 |
| Equity capital to assets | 11.0834% | 2,693 |
| Core capital (leverage) ratio | 7.8413% | 6,449 |
| Tier 1 risk-based capital ratio | 11.2640% | 5,887 |
| Total risk-based capital ratio | 12.5184% | 5,845 |
| Memoranda: | ||
| Average total assets | $590,948,000 | 1,172 |
| Average earning assets | $516,829,000 | 1,226 |
| Average equity | $65,912,000 | 1,012 |
| Average total loans | $393,798,500 | 1,194 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4934% | 4,177 |
| Cost of funding earning assets | 1.9373% | 3,265 |
| Net interest margin | 3.5561% | 4,718 |
| Noninterest income to average assets | 1.3073% | 877 |
| Noninterest expense to average assets | 3.3628% | 2,797 |
| Loan and lease loss provision to assets | 0.9991% | 2,278 |
| Net operating income to assets | 0.1003% | 5,214 |
| Return on assets (ROA) | 0.1487% | 5,121 |
| Pretax return on assets | 0.0932% | 5,236 |
| Return on Equity (ROE) | 1.3666% | 5,125 |
| Retained earnings to average equity (ytd only) | 0.4165% | 4,676 |
| Net charge-offs to loans | 0.8110% | 2,800 |
| Credit loss provision to net charge-offs | 188.8021% | 2,130 |
| Earnings coverage of net charge-offs (x) | 1.9727% | 4,241 |
| Efficiency ratio | 75.0948% | 3,688 |
| Assets per employee ($millions) | 3.1607% | 5,822 |
| Cash dividends to net income (ytd only)* | 69.5249% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 3,342 |
| Loan loss allowance to noncurrent loans | 41.2624% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 2.7608% | 2,529 |
| Noncurrent loans to loans | 3.8410% | 1,943 |
| Net loans and leases to total assets | 66.9363% | 3,942 |
| Net loans and leases to deposits | 87.7792% | 2,597 |
| Net loans and leases to core deposits | 113.0304% | 2,599 |
| Total domestic deposits to total assets | 76.2553% | 6,630 |
| Equity capital to assets | 11.2261% | 2,513 |
| Core capital (leverage) ratio | 7.9920% | 6,210 |
| Tier 1 risk-based capital ratio | 10.9484% | 5,963 |
| Total risk-based capital ratio | 12.2020% | 5,935 |
| Memoranda: | ||
| Average total assets | $580,499,200 | 1,190 |
| Average earning assets | $505,953,200 | 1,248 |
| Average equity | $63,151,000 | 1,049 |
| Average total loans | $378,793,400 | 1,266 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5104% | 4,366 |
| Cost of funding earning assets | 1.9885% | 3,422 |
| Net interest margin | 3.5219% | 4,774 |
| Noninterest income to average assets | 1.3057% | 911 |
| Noninterest expense to average assets | 3.3409% | 2,762 |
| Loan and lease loss provision to assets | 1.0340% | 1,853 |
| Net operating income to assets | 0.0538% | 5,599 |
| Return on assets (ROA) | 0.0990% | 5,516 |
| Pretax return on assets | 0.0476% | 5,615 |
| Return on Equity (ROE) | 0.9177% | 5,520 |
| Retained earnings to average equity (ytd only) | -0.3599% | 5,308 |
| Net charge-offs to loans | 0.8094% | 2,344 |
| Credit loss provision to net charge-offs | 197.8892% | 2,266 |
| Earnings coverage of net charge-offs (x) | 1.9833% | 4,331 |
| Efficiency ratio | 75.1011% | 3,671 |
| Assets per employee ($millions) | 3.1160% | 5,867 |
| Cash dividends to net income (ytd only)* | 139.2117% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 3,610 |
| Loan loss allowance to noncurrent loans | 34.9685% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 2.9513% | 2,344 |
| Noncurrent loans to loans | 4.1961% | 1,722 |
| Net loans and leases to total assets | 66.4626% | 4,316 |
| Net loans and leases to deposits | 90.4713% | 2,491 |
| Net loans and leases to core deposits | 115.0683% | 2,718 |
| Total domestic deposits to total assets | 73.4626% | 7,033 |
| Equity capital to assets | 10.9378% | 3,074 |
| Core capital (leverage) ratio | 7.5959% | 6,865 |
| Tier 1 risk-based capital ratio | 10.4513% | 6,524 |
| Total risk-based capital ratio | 11.7031% | 6,468 |
| Memoranda: | ||
| Average total assets | $580,232,750 | 1,206 |
| Average earning assets | $506,039,250 | 1,257 |
| Average equity | $62,617,000 | 1,068 |
| Average total loans | $374,605,000 | 1,297 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5575% | 4,297 |
| Cost of funding earning assets | 2.0823% | 3,352 |
| Net interest margin | 3.4752% | 4,915 |
| Noninterest income to average assets | 1.2847% | 925 |
| Noninterest expense to average assets | 3.3392% | 2,827 |
| Loan and lease loss provision to assets | 1.4390% | 1,207 |
| Net operating income to assets | -0.2668% | 6,285 |
| Return on assets (ROA) | -0.2654% | 6,293 |
| Pretax return on assets | -0.4660% | 6,386 |
| Return on Equity (ROE) | -2.4709% | 6,294 |
| Retained earnings to average equity (ytd only) | -4.3987% | 6,206 |
| Net charge-offs to loans | 0.9792% | 1,790 |
| Credit loss provision to net charge-offs | 231.0976% | 1,998 |
| Earnings coverage of net charge-offs (x) | 1.5593% | 4,367 |
| Efficiency ratio | 76.2313% | 3,645 |
| Assets per employee ($millions) | 3.0842% | 5,907 |
| Cash dividends to net income (ytd only)* | -78.0234% | 8,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 2,873 |
| Loan loss allowance to noncurrent loans | 44.5568% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 2.3498% | 2,764 |
| Noncurrent loans to loans | 3.5234% | 1,987 |
| Net loans and leases to total assets | 63.8616% | 5,012 |
| Net loans and leases to deposits | 83.1247% | 4,023 |
| Net loans and leases to core deposits | 105.0582% | 3,951 |
| Total domestic deposits to total assets | 76.8263% | 6,367 |
| Equity capital to assets | 10.5128% | 3,389 |
| Core capital (leverage) ratio | 7.2242% | 7,330 |
| Tier 1 risk-based capital ratio | 10.2956% | 6,600 |
| Total risk-based capital ratio | 11.5484% | 6,530 |
| Memoranda: | ||
| Average total assets | $579,415,000 | 1,224 |
| Average earning assets | $504,436,670 | 1,274 |
| Average equity | $62,245,000 | 1,093 |
| Average total loans | $368,461,670 | 1,352 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5272% | 4,772 |
| Cost of funding earning assets | 2.1079% | 3,614 |
| Net interest margin | 3.4193% | 5,057 |
| Noninterest income to average assets | 1.2369% | 937 |
| Noninterest expense to average assets | 3.1526% | 3,183 |
| Loan and lease loss provision to assets | 0.0829% | 5,899 |
| Net operating income to assets | 0.5677% | 4,151 |
| Return on assets (ROA) | 0.5677% | 4,345 |
| Pretax return on assets | 0.9689% | 3,471 |
| Return on Equity (ROE) | 5.2282% | 4,370 |
| Retained earnings to average equity (ytd only) | 2.6841% | 4,390 |
| Net charge-offs to loans | -0.1042% | 7,887 |
| Credit loss provision to net charge-offs | -126.3158% | 6,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7024% | 3,874 |
| Assets per employee ($millions) | 3.1642% | 5,691 |
| Cash dividends to net income (ytd only)* | 48.6618% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 5,980 |
| Loan loss allowance to noncurrent loans | 49.3821% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 1.3830% | 3,881 |
| Noncurrent loans to loans | 2.0777% | 3,153 |
| Net loans and leases to total assets | 61.8941% | 5,349 |
| Net loans and leases to deposits | 81.7420% | 4,327 |
| Net loans and leases to core deposits | 103.3629% | 4,207 |
| Total domestic deposits to total assets | 75.7189% | 6,572 |
| Equity capital to assets | 10.8298% | 3,141 |
| Core capital (leverage) ratio | 7.6416% | 6,970 |
| Tier 1 risk-based capital ratio | 10.8147% | 6,076 |
| Total risk-based capital ratio | 11.7634% | 6,293 |
| Memoranda: | ||
| Average total assets | $579,208,000 | 1,231 |
| Average earning assets | $502,680,500 | 1,288 |
| Average equity | $62,889,500 | 1,080 |
| Average total loans | $364,595,500 | 1,382 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2709% | 4,116 |
| Cost of funding earning assets | 2.6088% | 3,643 |
| Net interest margin | 3.6621% | 4,633 |
| Noninterest income to average assets | 1.1449% | 1,179 |
| Noninterest expense to average assets | 3.1568% | 3,495 |
| Loan and lease loss provision to assets | 0.1074% | 6,001 |
| Net operating income to assets | 0.8524% | 3,215 |
| Return on assets (ROA) | 0.8524% | 3,053 |
| Pretax return on assets | 1.0683% | 3,143 |
| Return on Equity (ROE) | 7.7358% | 3,182 |
| Retained earnings to average equity (ytd only) | 2.3750% | 3,723 |
| Net charge-offs to loans | 0.3772% | 2,955 |
| Credit loss provision to net charge-offs | 45.1467% | 6,401 |
| Earnings coverage of net charge-offs (x) | 4.9421% | 3,805 |
| Efficiency ratio | 71.5791% | 4,014 |
| Assets per employee ($millions) | 3.1143% | 5,739 |
| Cash dividends to net income (ytd only)* | 69.2986% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 6,236 |
| Loan loss allowance to noncurrent loans | 65.2118% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 4,217 |
| Noncurrent loans to loans | 1.4954% | 3,556 |
| Net loans and leases to total assets | 62.7497% | 5,501 |
| Net loans and leases to deposits | 83.2188% | 4,540 |
| Net loans and leases to core deposits | 104.1380% | 4,381 |
| Total domestic deposits to total assets | 75.4033% | 6,369 |
| Equity capital to assets | 10.8865% | 3,130 |
| Core capital (leverage) ratio | 7.7245% | 6,893 |
| Tier 1 risk-based capital ratio | 10.6747% | 6,028 |
| Total risk-based capital ratio | 11.5680% | 6,273 |
| Memoranda: | ||
| Average total assets | $558,668,800 | 1,214 |
| Average earning assets | $486,278,200 | 1,266 |
| Average equity | $61,558,000 | 1,089 |
| Average total loans | $352,366,000 | 1,378 |