Home > Citizens Bank of Lafayette > Performance and Condition Ratios
Citizens Bank of Lafayette, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9221% | 2,229 |
| Cost of funding earning assets | 1.6680% | 1,520 |
| Net interest margin | 3.2541% | 2,746 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.3036% | 2,845 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0055% | 2,205 |
| Return on assets (ROA) | 1.0053% | 2,190 |
| Pretax return on assets | 1.2377% | 2,040 |
| Return on Equity (ROE) | 11.5200% | 2,087 |
| Retained earnings to average equity (ytd only) | 5.8756% | 2,298 |
| Net charge-offs to loans | 0.0158% | 2,072 |
| Credit loss provision to net charge-offs | 605.0955% | 586 |
| Earnings coverage of net charge-offs (x) | 126.2229% | 796 |
| Efficiency ratio | 63.2008% | 2,707 |
| Assets per employee ($millions) | 5.6975% | 3,075 |
| Cash dividends to net income (ytd only)* | 48.9770% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 2,904 |
| Loan loss allowance to noncurrent loans | 173.9911% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 1,321 |
| Noncurrent loans to loans | 0.6249% | 1,258 |
| Net loans and leases to total assets | 66.5700% | 2,191 |
| Net loans and leases to deposits | 77.3003% | 2,331 |
| Net loans and leases to core deposits | 91.0784% | 1,978 |
| Total domestic deposits to total assets | 86.1100% | 1,974 |
| Equity capital to assets | 9.0928% | 2,611 |
| Core capital (leverage) ratio | 9.6958% | 3,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7294% | 1,620 |
| Memoranda: | ||
| Average total assets | $1,512,044,000 | 716 |
| Average earning assets | $1,391,043,200 | 708 |
| Average equity | $132,002,800 | 749 |
| Average total loans | $994,794,600 | 730 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 2,241 |
| Cost of funding earning assets | 1.5481% | 1,485 |
| Net interest margin | 3.2593% | 2,780 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.3020% | 2,789 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.9968% | 2,372 |
| Return on assets (ROA) | 0.9960% | 2,362 |
| Pretax return on assets | 1.2587% | 2,150 |
| Return on Equity (ROE) | 11.5300% | 2,243 |
| Retained earnings to average equity (ytd only) | 5.8510% | 2,675 |
| Net charge-offs to loans | 0.0065% | 2,204 |
| Credit loss provision to net charge-offs | 1,302.0833% | 336 |
| Earnings coverage of net charge-offs (x) | 313.9792% | 439 |
| Efficiency ratio | 62.7185% | 2,636 |
| Assets per employee ($millions) | 5.5418% | 3,149 |
| Cash dividends to net income (ytd only)* | 49.2650% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 2,810 |
| Loan loss allowance to noncurrent loans | 203.9795% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 1,589 |
| Noncurrent loans to loans | 0.5442% | 1,462 |
| Net loans and leases to total assets | 65.7400% | 2,270 |
| Net loans and leases to deposits | 74.5288% | 2,523 |
| Net loans and leases to core deposits | 87.7084% | 2,075 |
| Total domestic deposits to total assets | 88.2100% | 1,506 |
| Equity capital to assets | 8.3724% | 2,814 |
| Core capital (leverage) ratio | 9.7163% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8673% | 1,602 |
| Memoranda: | ||
| Average total assets | $1,502,625,250 | 720 |
| Average earning assets | $1,382,175,750 | 710 |
| Average equity | $129,775,250 | 761 |
| Average total loans | $982,760,750 | 738 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 2,232 |
| Cost of funding earning assets | 1.4113% | 1,414 |
| Net interest margin | 3.2770% | 2,808 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.2899% | 2,839 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.0233% | 2,345 |
| Return on assets (ROA) | 1.0228% | 2,337 |
| Pretax return on assets | 1.2898% | 2,110 |
| Return on Equity (ROE) | 11.7200% | 2,244 |
| Retained earnings to average equity (ytd only) | 6.2016% | 2,546 |
| Net charge-offs to loans | 0.0020% | 2,301 |
| Credit loss provision to net charge-offs | 4,000.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 1,028.5000% | 143 |
| Efficiency ratio | 62.0254% | 2,712 |
| Assets per employee ($millions) | 5.6646% | 3,007 |
| Cash dividends to net income (ytd only)* | 47.0948% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 2,848 |
| Loan loss allowance to noncurrent loans | 195.9505% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 1,435 |
| Noncurrent loans to loans | 0.5714% | 1,310 |
| Net loans and leases to total assets | 64.3300% | 2,354 |
| Net loans and leases to deposits | 74.0074% | 2,489 |
| Net loans and leases to core deposits | 86.6783% | 2,021 |
| Total domestic deposits to total assets | 86.9300% | 1,950 |
| Equity capital to assets | 8.8635% | 2,619 |
| Core capital (leverage) ratio | 9.6623% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0587% | 1,559 |
| Memoranda: | ||
| Average total assets | $1,501,041,000 | 709 |
| Average earning assets | $1,381,884,000 | 700 |
| Average equity | $130,965,667 | 750 |
| Average total loans | $976,329,000 | 728 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5575% | 2,172 |
| Cost of funding earning assets | 1.2290% | 1,382 |
| Net interest margin | 3.3285% | 2,803 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.2894% | 2,844 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.0147% | 2,485 |
| Return on assets (ROA) | 1.0143% | 2,454 |
| Pretax return on assets | 1.2909% | 2,202 |
| Return on Equity (ROE) | 11.7200% | 2,291 |
| Retained earnings to average equity (ytd only) | 6.4839% | 2,649 |
| Net charge-offs to loans | -0.0004% | 3,268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.0077% | 2,699 |
| Assets per employee ($millions) | 5.7682% | 2,964 |
| Cash dividends to net income (ytd only)* | 44.6663% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,051 |
| Loan loss allowance to noncurrent loans | 189.4078% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 1,379 |
| Noncurrent loans to loans | 0.5809% | 1,279 |
| Net loans and leases to total assets | 63.6700% | 2,276 |
| Net loans and leases to deposits | 74.4445% | 2,262 |
| Net loans and leases to core deposits | 85.4607% | 1,899 |
| Total domestic deposits to total assets | 85.5300% | 2,713 |
| Equity capital to assets | 8.7913% | 2,667 |
| Core capital (leverage) ratio | 9.5184% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9169% | 1,652 |
| Memoranda: | ||
| Average total assets | $1,500,998,500 | 724 |
| Average earning assets | $1,382,594,000 | 712 |
| Average equity | $129,922,000 | 762 |
| Average total loans | $976,169,500 | 742 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9283% | 1,914 |
| Cost of funding earning assets | 0.3910% | 2,169 |
| Net interest margin | 3.5374% | 1,813 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.2613% | 2,861 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3049% | 1,406 |
| Return on assets (ROA) | 1.3036% | 1,376 |
| Pretax return on assets | 1.6260% | 1,095 |
| Return on Equity (ROE) | 14.8000% | 1,311 |
| Retained earnings to average equity (ytd only) | 10.2273% | 1,085 |
| Net charge-offs to loans | 0.0111% | 1,961 |
| Credit loss provision to net charge-offs | 1,428.5714% | 343 |
| Earnings coverage of net charge-offs (x) | 259.6531% | 537 |
| Efficiency ratio | 56.2654% | 3,559 |
| Assets per employee ($millions) | 5.6895% | 3,040 |
| Cash dividends to net income (ytd only)* | 30.8930% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,331 |
| Loan loss allowance to noncurrent loans | 178.4539% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 1,141 |
| Noncurrent loans to loans | 0.6788% | 1,101 |
| Net loans and leases to total assets | 64.9000% | 2,156 |
| Net loans and leases to deposits | 75.1723% | 2,159 |
| Net loans and leases to core deposits | 84.4997% | 1,844 |
| Total domestic deposits to total assets | 86.3400% | 2,626 |
| Equity capital to assets | 8.5172% | 2,696 |
| Core capital (leverage) ratio | 9.4671% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8336% | 1,680 |
| Memoranda: | ||
| Average total assets | $1,477,414,800 | 711 |
| Average earning assets | $1,365,899,400 | 700 |
| Average equity | $130,142,400 | 751 |
| Average total loans | $883,129,600 | 760 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 1,845 |
| Cost of funding earning assets | 0.3052% | 2,107 |
| Net interest margin | 3.4613% | 1,774 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.2130% | 2,897 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.2913% | 1,381 |
| Return on assets (ROA) | 1.2895% | 1,359 |
| Pretax return on assets | 1.6522% | 995 |
| Return on Equity (ROE) | 14.5200% | 1,284 |
| Retained earnings to average equity (ytd only) | 10.0421% | 1,328 |
| Net charge-offs to loans | 0.0070% | 1,894 |
| Credit loss provision to net charge-offs | 2,055.5556% | 247 |
| Earnings coverage of net charge-offs (x) | 427.4000% | 362 |
| Efficiency ratio | 55.5096% | 3,674 |
| Assets per employee ($millions) | 5.5526% | 3,165 |
| Cash dividends to net income (ytd only)* | 30.8318% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 2,445 |
| Loan loss allowance to noncurrent loans | 176.8622% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 1,215 |
| Noncurrent loans to loans | 0.6874% | 1,186 |
| Net loans and leases to total assets | 63.8900% | 2,100 |
| Net loans and leases to deposits | 71.2025% | 2,268 |
| Net loans and leases to core deposits | 77.6936% | 2,060 |
| Total domestic deposits to total assets | 89.7400% | 1,766 |
| Equity capital to assets | 8.0177% | 2,878 |
| Core capital (leverage) ratio | 9.3074% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7773% | 1,777 |
| Memoranda: | ||
| Average total assets | $1,475,526,500 | 717 |
| Average earning assets | $1,364,483,750 | 708 |
| Average equity | $131,058,750 | 756 |
| Average total loans | $860,004,250 | 775 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5740% | 1,919 |
| Cost of funding earning assets | 0.3092% | 1,639 |
| Net interest margin | 3.2648% | 2,013 |
| Noninterest income to average assets | 0.7900% | 1,071 |
| Noninterest expense to average assets | 2.1741% | 2,935 |
| Loan and lease loss provision to assets | 0.0741% | 1,304 |
| Net operating income to assets | 1.2181% | 1,371 |
| Return on assets (ROA) | 1.2178% | 1,358 |
| Pretax return on assets | 1.5661% | 1,016 |
| Return on Equity (ROE) | 13.2899% | 1,297 |
| Retained earnings to average equity (ytd only) | 8.8785% | 1,322 |
| Net charge-offs to loans | -0.0089% | 3,546 |
| Credit loss provision to net charge-offs | -1,486.4865% | 3,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4727% | 3,728 |
| Assets per employee ($millions) | 5.6718% | 3,060 |
| Cash dividends to net income (ytd only)* | 33.1932% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,342 |
| Loan loss allowance to noncurrent loans | 135.3651% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5568% | 1,028 |
| Noncurrent loans to loans | 0.9367% | 894 |
| Net loans and leases to total assets | 58.4072% | 2,483 |
| Net loans and leases to deposits | 65.0001% | 2,643 |
| Net loans and leases to core deposits | 71.1176% | 2,410 |
| Total domestic deposits to total assets | 89.8570% | 1,768 |
| Equity capital to assets | 8.5643% | 2,713 |
| Core capital (leverage) ratio | 9.0083% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4535% | 1,588 |
| Memoranda: | ||
| Average total assets | $1,484,293,000 | 702 |
| Average earning assets | $1,375,169,667 | 700 |
| Average equity | $136,013,333 | 742 |
| Average total loans | $834,212,333 | 778 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4475% | 1,954 |
| Cost of funding earning assets | 0.3095% | 1,557 |
| Net interest margin | 3.1380% | 2,062 |
| Noninterest income to average assets | 0.8133% | 1,010 |
| Noninterest expense to average assets | 2.1210% | 3,077 |
| Loan and lease loss provision to assets | 0.0606% | 1,321 |
| Net operating income to assets | 1.1988% | 1,248 |
| Return on assets (ROA) | 1.1982% | 1,241 |
| Pretax return on assets | 1.5397% | 934 |
| Return on Equity (ROE) | 12.6631% | 1,116 |
| Retained earnings to average equity (ytd only) | 8.3966% | 1,455 |
| Net charge-offs to loans | 0.0049% | 1,581 |
| Credit loss provision to net charge-offs | 2,250.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 594.9000% | 168 |
| Efficiency ratio | 56.4570% | 3,833 |
| Assets per employee ($millions) | 5.6357% | 3,199 |
| Cash dividends to net income (ytd only)* | 33.6927% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 2,305 |
| Loan loss allowance to noncurrent loans | 148.8282% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4855% | 1,244 |
| Noncurrent loans to loans | 0.8805% | 1,058 |
| Net loans and leases to total assets | 54.1175% | 2,742 |
| Net loans and leases to deposits | 60.6200% | 2,840 |
| Net loans and leases to core deposits | 66.3370% | 2,609 |
| Total domestic deposits to total assets | 89.2734% | 1,943 |
| Equity capital to assets | 8.9302% | 2,773 |
| Core capital (leverage) ratio | 8.9138% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5201% | 1,640 |
| Memoranda: | ||
| Average total assets | $1,486,264,000 | 701 |
| Average earning assets | $1,377,682,000 | 701 |
| Average equity | $140,629,000 | 745 |
| Average total loans | $813,451,000 | 789 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 1,599 |
| Cost of funding earning assets | 0.3627% | 1,829 |
| Net interest margin | 3.5412% | 1,625 |
| Noninterest income to average assets | 0.8109% | 1,419 |
| Noninterest expense to average assets | 2.4697% | 2,279 |
| Loan and lease loss provision to assets | 0.0922% | 1,352 |
| Net operating income to assets | 1.2323% | 1,803 |
| Return on assets (ROA) | 1.2317% | 1,862 |
| Pretax return on assets | 1.5400% | 1,600 |
| Return on Equity (ROE) | 12.0637% | 1,795 |
| Retained earnings to average equity (ytd only) | 8.5192% | 1,338 |
| Net charge-offs to loans | 0.0365% | 1,520 |
| Credit loss provision to net charge-offs | 445.2055% | 861 |
| Earnings coverage of net charge-offs (x) | 78.8082% | 1,007 |
| Efficiency ratio | 59.6918% | 3,198 |
| Assets per employee ($millions) | 5.5814% | 3,183 |
| Cash dividends to net income (ytd only)* | 29.3813% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 2,351 |
| Loan loss allowance to noncurrent loans | 123.9481% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 1,146 |
| Noncurrent loans to loans | 1.0502% | 934 |
| Net loans and leases to total assets | 53.9143% | 2,864 |
| Net loans and leases to deposits | 61.2900% | 2,957 |
| Net loans and leases to core deposits | 67.3984% | 2,697 |
| Total domestic deposits to total assets | 87.9660% | 2,063 |
| Equity capital to assets | 9.9988% | 2,658 |
| Core capital (leverage) ratio | 8.9278% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6672% | 1,625 |
| Memoranda: | ||
| Average total assets | $1,409,260,000 | 714 |
| Average earning assets | $1,309,963,000 | 711 |
| Average equity | $143,886,000 | 744 |
| Average total loans | $799,768,200 | 795 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 1,456 |
| Cost of funding earning assets | 0.3799% | 1,856 |
| Net interest margin | 3.6555% | 1,450 |
| Noninterest income to average assets | 0.8408% | 1,411 |
| Noninterest expense to average assets | 2.5320% | 2,027 |
| Loan and lease loss provision to assets | 0.1101% | 1,101 |
| Net operating income to assets | 1.2575% | 1,962 |
| Return on assets (ROA) | 1.2569% | 2,028 |
| Pretax return on assets | 1.5929% | 1,722 |
| Return on Equity (ROE) | 12.2436% | 1,962 |
| Retained earnings to average equity (ytd only) | 8.7443% | 1,788 |
| Net charge-offs to loans | 0.0526% | 1,130 |
| Credit loss provision to net charge-offs | 365.0794% | 914 |
| Earnings coverage of net charge-offs (x) | 56.4603% | 1,167 |
| Efficiency ratio | 59.2794% | 3,091 |
| Assets per employee ($millions) | 5.4428% | 3,263 |
| Cash dividends to net income (ytd only)* | 28.5801% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 2,463 |
| Loan loss allowance to noncurrent loans | 101.1244% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7173% | 1,031 |
| Noncurrent loans to loans | 1.2897% | 846 |
| Net loans and leases to total assets | 54.6791% | 2,884 |
| Net loans and leases to deposits | 62.5302% | 2,993 |
| Net loans and leases to core deposits | 69.0541% | 2,681 |
| Total domestic deposits to total assets | 87.4443% | 2,136 |
| Equity capital to assets | 10.2066% | 2,703 |
| Core capital (leverage) ratio | 8.9989% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1578% | 1,577 |
| Memoranda: | ||
| Average total assets | $1,391,806,750 | 727 |
| Average earning assets | $1,292,583,000 | 726 |
| Average equity | $142,885,250 | 762 |
| Average total loans | $797,723,000 | 815 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 1,087 |
| Cost of funding earning assets | 0.5287% | 1,043 |
| Net interest margin | 3.7232% | 1,290 |
| Noninterest income to average assets | 0.6953% | 1,825 |
| Noninterest expense to average assets | 2.4565% | 2,287 |
| Loan and lease loss provision to assets | 0.0573% | 1,882 |
| Net operating income to assets | 1.3207% | 1,802 |
| Return on assets (ROA) | 1.3201% | 1,868 |
| Pretax return on assets | 1.6567% | 1,592 |
| Return on Equity (ROE) | 13.3386% | 1,613 |
| Retained earnings to average equity (ytd only) | 9.5295% | 1,544 |
| Net charge-offs to loans | 0.0601% | 1,015 |
| Credit loss provision to net charge-offs | 162.1622% | 1,132 |
| Earnings coverage of net charge-offs (x) | 48.5622% | 1,080 |
| Efficiency ratio | 58.3463% | 3,238 |
| Assets per employee ($millions) | 4.8846% | 3,762 |
| Cash dividends to net income (ytd only)* | 28.5570% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 1,351 |
| Loan loss allowance to noncurrent loans | 83.6928% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.0786% | 693 |
| Noncurrent loans to loans | 1.8780% | 535 |
| Net loans and leases to total assets | 56.3349% | 2,863 |
| Net loans and leases to deposits | 64.8546% | 2,914 |
| Net loans and leases to core deposits | 69.8985% | 2,793 |
| Total domestic deposits to total assets | 86.8634% | 2,399 |
| Equity capital to assets | 9.8749% | 2,976 |
| Core capital (leverage) ratio | 9.1302% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7932% | 1,693 |
| Memoranda: | ||
| Average total assets | $1,047,836,000 | 932 |
| Average earning assets | $978,252,667 | 923 |
| Average equity | $103,698,667 | 990 |
| Average total loans | $615,230,667 | 995 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2423% | 1,128 |
| Cost of funding earning assets | 0.5732% | 998 |
| Net interest margin | 3.6691% | 1,402 |
| Noninterest income to average assets | 0.5895% | 2,253 |
| Noninterest expense to average assets | 2.4951% | 2,189 |
| Loan and lease loss provision to assets | 0.0579% | 1,962 |
| Net operating income to assets | 1.1564% | 2,313 |
| Return on assets (ROA) | 1.1558% | 2,381 |
| Pretax return on assets | 1.4559% | 2,119 |
| Return on Equity (ROE) | 11.6654% | 2,140 |
| Retained earnings to average equity (ytd only) | 7.4797% | 2,418 |
| Net charge-offs to loans | 0.0947% | 712 |
| Credit loss provision to net charge-offs | 102.7397% | 1,098 |
| Earnings coverage of net charge-offs (x) | 26.8904% | 1,137 |
| Efficiency ratio | 61.6510% | 2,814 |
| Assets per employee ($millions) | 4.8794% | 3,774 |
| Cash dividends to net income (ytd only)* | 35.8812% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 1,399 |
| Loan loss allowance to noncurrent loans | 85.5319% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.0541% | 773 |
| Noncurrent loans to loans | 1.8220% | 631 |
| Net loans and leases to total assets | 56.7475% | 2,952 |
| Net loans and leases to deposits | 65.6814% | 2,951 |
| Net loans and leases to core deposits | 70.7288% | 2,809 |
| Total domestic deposits to total assets | 86.3982% | 2,575 |
| Equity capital to assets | 9.7033% | 2,995 |
| Core capital (leverage) ratio | 9.1856% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7513% | 1,657 |
| Memoranda: | ||
| Average total assets | $1,036,894,000 | 925 |
| Average earning assets | $966,552,000 | 920 |
| Average equity | $102,731,000 | 988 |
| Average total loans | $616,721,500 | 996 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 1,636 |
| Cost of funding earning assets | 0.8184% | 1,137 |
| Net interest margin | 3.5639% | 2,263 |
| Noninterest income to average assets | 0.6899% | 1,897 |
| Noninterest expense to average assets | 2.4886% | 2,887 |
| Loan and lease loss provision to assets | 0.1322% | 2,712 |
| Net operating income to assets | 1.1211% | 1,833 |
| Return on assets (ROA) | 1.1230% | 1,949 |
| Pretax return on assets | 1.3810% | 1,718 |
| Return on Equity (ROE) | 9.4474% | 2,220 |
| Retained earnings to average equity (ytd only) | -14.8729% | 4,947 |
| Net charge-offs to loans | 0.0775% | 1,704 |
| Credit loss provision to net charge-offs | 274.3158% | 1,828 |
| Earnings coverage of net charge-offs (x) | 31.3579% | 1,568 |
| Efficiency ratio | 61.6181% | 3,207 |
| Assets per employee ($millions) | 4.6134% | 3,795 |
| Cash dividends to net income (ytd only)* | 257.4293% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 1,496 |
| Loan loss allowance to noncurrent loans | 82.9524% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.1333% | 799 |
| Noncurrent loans to loans | 1.8396% | 670 |
| Net loans and leases to total assets | 60.4528% | 2,798 |
| Net loans and leases to deposits | 70.7084% | 2,804 |
| Net loans and leases to core deposits | 76.7795% | 2,651 |
| Total domestic deposits to total assets | 85.4959% | 2,576 |
| Equity capital to assets | 10.1190% | 3,010 |
| Core capital (leverage) ratio | 9.0686% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1587% | 1,798 |
| Memoranda: | ||
| Average total assets | $985,880,600 | 893 |
| Average earning assets | $915,518,600 | 888 |
| Average equity | $117,186,200 | 838 |
| Average total loans | $612,877,000 | 953 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4615% | 1,671 |
| Cost of funding earning assets | 0.8681% | 1,185 |
| Net interest margin | 3.5934% | 2,294 |
| Noninterest income to average assets | 0.6838% | 1,845 |
| Noninterest expense to average assets | 2.4742% | 2,918 |
| Loan and lease loss provision to assets | 0.1468% | 2,552 |
| Net operating income to assets | 1.1115% | 1,947 |
| Return on assets (ROA) | 1.1111% | 2,067 |
| Pretax return on assets | 1.3980% | 1,745 |
| Return on Equity (ROE) | 9.0003% | 2,395 |
| Retained earnings to average equity (ytd only) | 5.3583% | 2,402 |
| Net charge-offs to loans | 0.0800% | 1,504 |
| Credit loss provision to net charge-offs | 294.5355% | 1,780 |
| Earnings coverage of net charge-offs (x) | 30.9918% | 1,551 |
| Efficiency ratio | 60.9463% | 3,227 |
| Assets per employee ($millions) | 4.6549% | 3,651 |
| Cash dividends to net income (ytd only)* | 40.4660% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 1,346 |
| Loan loss allowance to noncurrent loans | 77.6648% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.1957% | 843 |
| Noncurrent loans to loans | 1.9469% | 631 |
| Net loans and leases to total assets | 60.2860% | 3,198 |
| Net loans and leases to deposits | 72.8083% | 3,056 |
| Net loans and leases to core deposits | 78.6560% | 2,952 |
| Total domestic deposits to total assets | 82.8010% | 3,191 |
| Equity capital to assets | 12.3430% | 1,493 |
| Core capital (leverage) ratio | 11.4129% | 1,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8506% | 933 |
| Memoranda: | ||
| Average total assets | $978,614,000 | 881 |
| Average earning assets | $908,461,500 | 879 |
| Average equity | $120,807,250 | 809 |
| Average total loans | $610,328,250 | 960 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 1,657 |
| Cost of funding earning assets | 0.9262% | 1,255 |
| Net interest margin | 3.6670% | 2,274 |
| Noninterest income to average assets | 0.6818% | 1,804 |
| Noninterest expense to average assets | 2.4961% | 2,969 |
| Loan and lease loss provision to assets | 0.1796% | 2,223 |
| Net operating income to assets | 1.1144% | 1,917 |
| Return on assets (ROA) | 1.1124% | 2,045 |
| Pretax return on assets | 1.4025% | 1,723 |
| Return on Equity (ROE) | 9.0106% | 2,358 |
| Retained earnings to average equity (ytd only) | 5.3232% | 2,339 |
| Net charge-offs to loans | 0.0850% | 1,400 |
| Credit loss provision to net charge-offs | 336.4341% | 1,541 |
| Earnings coverage of net charge-offs (x) | 29.6822% | 1,446 |
| Efficiency ratio | 60.5649% | 3,332 |
| Assets per employee ($millions) | 4.6143% | 3,630 |
| Cash dividends to net income (ytd only)* | 40.9226% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,263 |
| Loan loss allowance to noncurrent loans | 72.1946% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.2873% | 816 |
| Noncurrent loans to loans | 2.0793% | 626 |
| Net loans and leases to total assets | 60.3212% | 3,288 |
| Net loans and leases to deposits | 73.1221% | 3,153 |
| Net loans and leases to core deposits | 78.9997% | 3,025 |
| Total domestic deposits to total assets | 82.4939% | 3,238 |
| Equity capital to assets | 12.2187% | 1,530 |
| Core capital (leverage) ratio | 11.3958% | 1,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6362% | 958 |
| Memoranda: | ||
| Average total assets | $966,565,333 | 882 |
| Average earning assets | $895,875,667 | 879 |
| Average equity | $119,325,667 | 810 |
| Average total loans | $606,721,000 | 951 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7031% | 1,701 |
| Cost of funding earning assets | 0.9951% | 1,437 |
| Net interest margin | 3.7080% | 2,299 |
| Noninterest income to average assets | 0.7563% | 1,444 |
| Noninterest expense to average assets | 2.6115% | 2,950 |
| Loan and lease loss provision to assets | 0.0775% | 2,754 |
| Net operating income to assets | 1.1865% | 1,560 |
| Return on assets (ROA) | 1.1798% | 1,706 |
| Pretax return on assets | 1.4923% | 1,324 |
| Return on Equity (ROE) | 9.5044% | 1,910 |
| Retained earnings to average equity (ytd only) | 5.7517% | 1,974 |
| Net charge-offs to loans | 0.1458% | 871 |
| Credit loss provision to net charge-offs | 83.5616% | 1,919 |
| Earnings coverage of net charge-offs (x) | 17.0183% | 1,507 |
| Efficiency ratio | 61.7243% | 3,526 |
| Assets per employee ($millions) | 4.3080% | 3,526 |
| Cash dividends to net income (ytd only)* | 39.4831% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 1,458 |
| Loan loss allowance to noncurrent loans | 65.4501% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.4093% | 793 |
| Noncurrent loans to loans | 2.2419% | 583 |
| Net loans and leases to total assets | 61.2465% | 3,379 |
| Net loans and leases to deposits | 75.2433% | 3,147 |
| Net loans and leases to core deposits | 83.3168% | 2,910 |
| Total domestic deposits to total assets | 81.3980% | 3,573 |
| Equity capital to assets | 12.4868% | 1,743 |
| Core capital (leverage) ratio | 11.8052% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7700% | 1,017 |
| Memoranda: | ||
| Average total assets | $944,581,500 | 872 |
| Average earning assets | $874,651,000 | 872 |
| Average equity | $117,251,500 | 818 |
| Average total loans | $600,653,500 | 940 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8934% | 1,768 |
| Cost of funding earning assets | 0.9908% | 1,764 |
| Net interest margin | 3.9026% | 2,169 |
| Noninterest income to average assets | 0.8065% | 1,430 |
| Noninterest expense to average assets | 2.6993% | 2,883 |
| Loan and lease loss provision to assets | 0.1200% | 1,771 |
| Net operating income to assets | 1.2658% | 1,820 |
| Return on assets (ROA) | 1.2750% | 1,868 |
| Pretax return on assets | 1.6091% | 1,459 |
| Return on Equity (ROE) | 10.6835% | 2,013 |
| Retained earnings to average equity (ytd only) | 6.9883% | 1,394 |
| Net charge-offs to loans | 0.0479% | 2,433 |
| Credit loss provision to net charge-offs | 383.5052% | 732 |
| Earnings coverage of net charge-offs (x) | 54.8729% | 1,046 |
| Efficiency ratio | 60.5323% | 3,618 |
| Assets per employee ($millions) | 4.2216% | 3,607 |
| Cash dividends to net income (ytd only)* | 34.5875% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 1,459 |
| Loan loss allowance to noncurrent loans | 59.8786% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.5441% | 647 |
| Noncurrent loans to loans | 2.3679% | 488 |
| Net loans and leases to total assets | 64.1078% | 3,185 |
| Net loans and leases to deposits | 79.3691% | 2,854 |
| Net loans and leases to core deposits | 87.8142% | 2,621 |
| Total domestic deposits to total assets | 80.7717% | 3,814 |
| Equity capital to assets | 12.3388% | 1,929 |
| Core capital (leverage) ratio | 11.7264% | 1,940 |
| Tier 1 risk-based capital ratio | 16.7864% | 2,127 |
| Total risk-based capital ratio | 18.0376% | 2,063 |
| Memoranda: | ||
| Average total assets | $929,727,400 | 843 |
| Average earning assets | $860,089,200 | 843 |
| Average equity | $110,956,400 | 821 |
| Average total loans | $607,636,400 | 901 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8873% | 1,852 |
| Cost of funding earning assets | 0.9766% | 1,864 |
| Net interest margin | 3.9107% | 2,214 |
| Noninterest income to average assets | 0.7872% | 1,457 |
| Noninterest expense to average assets | 2.7064% | 2,856 |
| Loan and lease loss provision to assets | 0.1183% | 1,650 |
| Net operating income to assets | 1.2382% | 2,063 |
| Return on assets (ROA) | 1.2490% | 2,099 |
| Pretax return on assets | 1.5932% | 1,661 |
| Return on Equity (ROE) | 10.5564% | 2,187 |
| Retained earnings to average equity (ytd only) | 6.9087% | 1,910 |
| Net charge-offs to loans | -0.0037% | 4,144 |
| Credit loss provision to net charge-offs | -4,835.2941% | 4,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8656% | 3,495 |
| Assets per employee ($millions) | 4.2065% | 3,607 |
| Cash dividends to net income (ytd only)* | 34.5543% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 1,496 |
| Loan loss allowance to noncurrent loans | 58.3803% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.6391% | 634 |
| Noncurrent loans to loans | 2.4338% | 487 |
| Net loans and leases to total assets | 64.8840% | 3,197 |
| Net loans and leases to deposits | 81.0575% | 2,794 |
| Net loans and leases to core deposits | 89.4484% | 2,590 |
| Total domestic deposits to total assets | 80.0469% | 3,982 |
| Equity capital to assets | 12.2897% | 2,050 |
| Core capital (leverage) ratio | 11.6653% | 2,106 |
| Tier 1 risk-based capital ratio | 16.5226% | 2,262 |
| Total risk-based capital ratio | 17.7739% | 2,194 |
| Memoranda: | ||
| Average total assets | $926,806,500 | 844 |
| Average earning assets | $857,220,000 | 844 |
| Average equity | $109,655,750 | 826 |
| Average total loans | $606,496,000 | 907 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9039% | 1,744 |
| Cost of funding earning assets | 0.9489% | 1,919 |
| Net interest margin | 3.9550% | 2,079 |
| Noninterest income to average assets | 0.7645% | 1,464 |
| Noninterest expense to average assets | 2.7429% | 2,775 |
| Loan and lease loss provision to assets | 0.1166% | 1,607 |
| Net operating income to assets | 1.2272% | 2,045 |
| Return on assets (ROA) | 1.2272% | 2,106 |
| Pretax return on assets | 1.5622% | 1,659 |
| Return on Equity (ROE) | 10.5082% | 2,169 |
| Retained earnings to average equity (ytd only) | 6.8088% | 1,897 |
| Net charge-offs to loans | 0.1115% | 1,301 |
| Credit loss provision to net charge-offs | 160.2374% | 1,425 |
| Earnings coverage of net charge-offs (x) | 23.0623% | 1,666 |
| Efficiency ratio | 61.4509% | 3,514 |
| Assets per employee ($millions) | 4.1040% | 3,726 |
| Cash dividends to net income (ytd only)* | 35.2051% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 1,852 |
| Loan loss allowance to noncurrent loans | 125.8080% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 1,911 |
| Noncurrent loans to loans | 1.0655% | 1,541 |
| Net loans and leases to total assets | 63.6606% | 3,376 |
| Net loans and leases to deposits | 79.8573% | 2,970 |
| Net loans and leases to core deposits | 87.3425% | 2,861 |
| Total domestic deposits to total assets | 79.7179% | 4,095 |
| Equity capital to assets | 12.0293% | 2,161 |
| Core capital (leverage) ratio | 11.3812% | 2,262 |
| Tier 1 risk-based capital ratio | 16.4447% | 2,261 |
| Total risk-based capital ratio | 17.6951% | 2,206 |
| Memoranda: | ||
| Average total assets | $925,865,330 | 842 |
| Average earning assets | $856,174,330 | 843 |
| Average equity | $108,124,670 | 830 |
| Average total loans | $604,703,000 | 909 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 1,738 |
| Cost of funding earning assets | 0.9132% | 1,946 |
| Net interest margin | 3.9444% | 2,047 |
| Noninterest income to average assets | 0.7341% | 1,486 |
| Noninterest expense to average assets | 2.7298% | 2,812 |
| Loan and lease loss provision to assets | 0.1153% | 1,529 |
| Net operating income to assets | 1.2095% | 2,021 |
| Return on assets (ROA) | 1.2095% | 2,071 |
| Pretax return on assets | 1.5411% | 1,636 |
| Return on Equity (ROE) | 10.5167% | 2,150 |
| Retained earnings to average equity (ytd only) | 6.7487% | 2,137 |
| Net charge-offs to loans | 0.2143% | 656 |
| Credit loss provision to net charge-offs | 81.8462% | 1,771 |
| Earnings coverage of net charge-offs (x) | 11.7600% | 1,895 |
| Efficiency ratio | 61.6540% | 3,586 |
| Assets per employee ($millions) | 4.0606% | 3,831 |
| Cash dividends to net income (ytd only)* | 35.8295% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 2,089 |
| Loan loss allowance to noncurrent loans | 114.3276% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7795% | 1,809 |
| Noncurrent loans to loans | 1.1375% | 1,467 |
| Net loans and leases to total assets | 63.9071% | 3,295 |
| Net loans and leases to deposits | 80.4794% | 2,787 |
| Net loans and leases to core deposits | 87.6024% | 2,731 |
| Total domestic deposits to total assets | 79.4081% | 4,271 |
| Equity capital to assets | 11.6994% | 2,234 |
| Core capital (leverage) ratio | 11.2636% | 2,328 |
| Tier 1 risk-based capital ratio | 16.3212% | 2,329 |
| Total risk-based capital ratio | 17.5686% | 2,277 |
| Memoranda: | ||
| Average total assets | $922,999,500 | 846 |
| Average earning assets | $854,570,000 | 847 |
| Average equity | $106,154,500 | 840 |
| Average total loans | $606,495,500 | 910 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 1,809 |
| Cost of funding earning assets | 0.7861% | 1,604 |
| Net interest margin | 3.9188% | 2,267 |
| Noninterest income to average assets | 0.7929% | 1,473 |
| Noninterest expense to average assets | 2.5966% | 3,343 |
| Loan and lease loss provision to assets | 0.1130% | 1,950 |
| Net operating income to assets | 1.3552% | 1,596 |
| Return on assets (ROA) | 1.3552% | 1,585 |
| Pretax return on assets | 1.7155% | 1,126 |
| Return on Equity (ROE) | 12.4599% | 1,559 |
| Retained earnings to average equity (ytd only) | 8.6542% | 996 |
| Net charge-offs to loans | 0.1275% | 1,477 |
| Credit loss provision to net charge-offs | 137.1693% | 1,956 |
| Earnings coverage of net charge-offs (x) | 22.2037% | 1,912 |
| Efficiency ratio | 58.0902% | 4,147 |
| Assets per employee ($millions) | 4.0359% | 3,850 |
| Cash dividends to net income (ytd only)* | 30.5442% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,141 |
| Loan loss allowance to noncurrent loans | 107.9428% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 1,662 |
| Noncurrent loans to loans | 1.1861% | 1,351 |
| Net loans and leases to total assets | 65.8214% | 3,157 |
| Net loans and leases to deposits | 83.9193% | 2,518 |
| Net loans and leases to core deposits | 91.1614% | 2,481 |
| Total domestic deposits to total assets | 78.4341% | 4,416 |
| Equity capital to assets | 11.3015% | 2,415 |
| Core capital (leverage) ratio | 11.0587% | 2,473 |
| Tier 1 risk-based capital ratio | 15.7600% | 2,508 |
| Total risk-based capital ratio | 16.9961% | 2,438 |
| Memoranda: | ||
| Average total assets | $918,025,400 | 833 |
| Average earning assets | $850,871,800 | 830 |
| Average equity | $99,848,000 | 854 |
| Average total loans | $592,881,000 | 910 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 1,872 |
| Cost of funding earning assets | 0.7532% | 1,571 |
| Net interest margin | 3.8879% | 2,348 |
| Noninterest income to average assets | 0.7898% | 1,508 |
| Noninterest expense to average assets | 2.5372% | 3,484 |
| Loan and lease loss provision to assets | 0.1035% | 1,937 |
| Net operating income to assets | 1.3891% | 1,531 |
| Return on assets (ROA) | 1.3891% | 1,530 |
| Pretax return on assets | 1.7545% | 1,127 |
| Return on Equity (ROE) | 12.8983% | 1,473 |
| Retained earnings to average equity (ytd only) | 8.8503% | 1,282 |
| Net charge-offs to loans | 0.1109% | 1,383 |
| Credit loss provision to net charge-offs | 145.6033% | 1,754 |
| Earnings coverage of net charge-offs (x) | 26.1453% | 1,756 |
| Efficiency ratio | 57.1353% | 4,236 |
| Assets per employee ($millions) | 4.1782% | 3,601 |
| Cash dividends to net income (ytd only)* | 31.3840% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 2,138 |
| Loan loss allowance to noncurrent loans | 97.0017% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 1,622 |
| Noncurrent loans to loans | 1.3305% | 1,254 |
| Net loans and leases to total assets | 65.1691% | 3,288 |
| Net loans and leases to deposits | 84.0967% | 2,588 |
| Net loans and leases to core deposits | 91.6872% | 2,510 |
| Total domestic deposits to total assets | 77.4930% | 4,567 |
| Equity capital to assets | 10.9687% | 2,690 |
| Core capital (leverage) ratio | 10.8288% | 2,761 |
| Tier 1 risk-based capital ratio | 15.7509% | 2,549 |
| Total risk-based capital ratio | 17.0009% | 2,485 |
| Memoranda: | ||
| Average total assets | $917,484,250 | 828 |
| Average earning assets | $850,782,250 | 826 |
| Average equity | $98,811,250 | 855 |
| Average total loans | $587,717,000 | 916 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5561% | 1,917 |
| Cost of funding earning assets | 0.7243% | 1,498 |
| Net interest margin | 3.8319% | 2,445 |
| Noninterest income to average assets | 0.7342% | 1,717 |
| Noninterest expense to average assets | 2.5059% | 3,617 |
| Loan and lease loss provision to assets | 0.0878% | 2,160 |
| Net operating income to assets | 1.3368% | 1,644 |
| Return on assets (ROA) | 1.3368% | 1,654 |
| Pretax return on assets | 1.6940% | 1,228 |
| Return on Equity (ROE) | 12.4892% | 1,547 |
| Retained earnings to average equity (ytd only) | 8.4198% | 1,438 |
| Net charge-offs to loans | 0.0897% | 1,452 |
| Credit loss provision to net charge-offs | 154.4061% | 1,547 |
| Earnings coverage of net charge-offs (x) | 31.3448% | 1,460 |
| Efficiency ratio | 57.8402% | 4,259 |
| Assets per employee ($millions) | 4.2684% | 3,475 |
| Cash dividends to net income (ytd only)* | 32.5839% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 2,125 |
| Loan loss allowance to noncurrent loans | 84.6610% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.0209% | 1,475 |
| Noncurrent loans to loans | 1.5458% | 1,069 |
| Net loans and leases to total assets | 62.8214% | 3,520 |
| Net loans and leases to deposits | 80.4310% | 2,904 |
| Net loans and leases to core deposits | 87.5116% | 2,772 |
| Total domestic deposits to total assets | 78.1060% | 4,572 |
| Equity capital to assets | 10.7042% | 2,926 |
| Core capital (leverage) ratio | 10.5752% | 2,948 |
| Tier 1 risk-based capital ratio | 15.8231% | 2,501 |
| Total risk-based capital ratio | 17.0733% | 2,447 |
| Memoranda: | ||
| Average total assets | $918,301,670 | 833 |
| Average earning assets | $851,597,000 | 828 |
| Average equity | $98,292,670 | 858 |
| Average total loans | $582,251,000 | 922 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 1,913 |
| Cost of funding earning assets | 0.7098% | 1,388 |
| Net interest margin | 3.7748% | 2,523 |
| Noninterest income to average assets | 0.7783% | 1,527 |
| Noninterest expense to average assets | 2.4853% | 3,696 |
| Loan and lease loss provision to assets | 0.0862% | 2,075 |
| Net operating income to assets | 1.3501% | 1,480 |
| Return on assets (ROA) | 1.3501% | 1,492 |
| Pretax return on assets | 1.7153% | 1,076 |
| Return on Equity (ROE) | 12.6132% | 1,375 |
| Retained earnings to average equity (ytd only) | 8.5260% | 1,653 |
| Net charge-offs to loans | 0.1106% | 1,115 |
| Credit loss provision to net charge-offs | 123.1250% | 1,367 |
| Earnings coverage of net charge-offs (x) | 25.7375% | 1,336 |
| Efficiency ratio | 57.3630% | 4,426 |
| Assets per employee ($millions) | 4.2918% | 3,502 |
| Cash dividends to net income (ytd only)* | 32.4044% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 2,273 |
| Loan loss allowance to noncurrent loans | 83.6741% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.0424% | 1,509 |
| Noncurrent loans to loans | 1.5466% | 1,132 |
| Net loans and leases to total assets | 63.2065% | 3,409 |
| Net loans and leases to deposits | 80.9863% | 2,701 |
| Net loans and leases to core deposits | 86.2618% | 2,782 |
| Total domestic deposits to total assets | 78.0458% | 4,726 |
| Equity capital to assets | 10.6088% | 2,961 |
| Core capital (leverage) ratio | 10.3209% | 3,167 |
| Tier 1 risk-based capital ratio | 15.4275% | 2,686 |
| Total risk-based capital ratio | 16.6775% | 2,624 |
| Memoranda: | ||
| Average total assets | $914,332,500 | 841 |
| Average earning assets | $849,842,000 | 837 |
| Average equity | $97,865,500 | 861 |
| Average total loans | $578,580,000 | 927 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 2,104 |
| Cost of funding earning assets | 0.6445% | 1,330 |
| Net interest margin | 3.7290% | 2,676 |
| Noninterest income to average assets | 0.6537% | 2,177 |
| Noninterest expense to average assets | 2.4057% | 4,062 |
| Loan and lease loss provision to assets | 0.1156% | 1,964 |
| Net operating income to assets | 1.0438% | 2,076 |
| Return on assets (ROA) | 1.0467% | 2,097 |
| Pretax return on assets | 1.5831% | 1,342 |
| Return on Equity (ROE) | 9.8116% | 1,973 |
| Retained earnings to average equity (ytd only) | 6.5648% | 1,251 |
| Net charge-offs to loans | 0.1240% | 1,811 |
| Credit loss provision to net charge-offs | 158.2569% | 1,689 |
| Earnings coverage of net charge-offs (x) | 23.1881% | 1,818 |
| Efficiency ratio | 58.0238% | 4,522 |
| Assets per employee ($millions) | 4.3551% | 3,401 |
| Cash dividends to net income (ytd only)* | 33.0914% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,070 |
| Loan loss allowance to noncurrent loans | 74.4959% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1747% | 1,266 |
| Noncurrent loans to loans | 1.7867% | 898 |
| Net loans and leases to total assets | 61.6838% | 3,660 |
| Net loans and leases to deposits | 80.5359% | 2,860 |
| Net loans and leases to core deposits | 85.5052% | 2,945 |
| Total domestic deposits to total assets | 76.5917% | 4,907 |
| Equity capital to assets | 10.7990% | 2,837 |
| Core capital (leverage) ratio | 10.2867% | 3,082 |
| Tier 1 risk-based capital ratio | 15.5759% | 2,594 |
| Total risk-based capital ratio | 16.8264% | 2,534 |
| Memoranda: | ||
| Average total assets | $895,042,000 | 837 |
| Average earning assets | $827,189,000 | 832 |
| Average equity | $95,479,000 | 858 |
| Average total loans | $527,570,800 | 974 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 2,118 |
| Cost of funding earning assets | 0.6339% | 1,339 |
| Net interest margin | 3.7119% | 2,710 |
| Noninterest income to average assets | 0.6596% | 2,165 |
| Noninterest expense to average assets | 2.3563% | 4,133 |
| Loan and lease loss provision to assets | 0.1515% | 1,371 |
| Net operating income to assets | 1.1223% | 1,983 |
| Return on assets (ROA) | 1.1265% | 2,033 |
| Pretax return on assets | 1.5834% | 1,480 |
| Return on Equity (ROE) | 10.5932% | 1,861 |
| Retained earnings to average equity (ytd only) | 7.3576% | 1,512 |
| Net charge-offs to loans | 0.1281% | 1,503 |
| Credit loss provision to net charge-offs | 203.8229% | 1,329 |
| Earnings coverage of net charge-offs (x) | 23.2555% | 1,823 |
| Efficiency ratio | 57.0215% | 4,611 |
| Assets per employee ($millions) | 4.3314% | 3,421 |
| Cash dividends to net income (ytd only)* | 30.5445% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 1,819 |
| Loan loss allowance to noncurrent loans | 66.4970% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.3638% | 1,151 |
| Noncurrent loans to loans | 2.1343% | 770 |
| Net loans and leases to total assets | 60.0113% | 3,861 |
| Net loans and leases to deposits | 77.8356% | 3,186 |
| Net loans and leases to core deposits | 82.9925% | 3,214 |
| Total domestic deposits to total assets | 77.1001% | 4,865 |
| Equity capital to assets | 11.0778% | 2,783 |
| Core capital (leverage) ratio | 10.2386% | 3,266 |
| Tier 1 risk-based capital ratio | 16.1332% | 2,446 |
| Total risk-based capital ratio | 17.3847% | 2,389 |
| Memoranda: | ||
| Average total assets | $891,250,000 | 844 |
| Average earning assets | $822,559,000 | 844 |
| Average equity | $94,775,250 | 868 |
| Average total loans | $517,207,000 | 993 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 2,187 |
| Cost of funding earning assets | 0.6298% | 1,268 |
| Net interest margin | 3.6537% | 2,823 |
| Noninterest income to average assets | 0.6411% | 2,247 |
| Noninterest expense to average assets | 2.3356% | 4,254 |
| Loan and lease loss provision to assets | 0.1601% | 1,244 |
| Net operating income to assets | 1.0798% | 2,085 |
| Return on assets (ROA) | 1.0798% | 2,129 |
| Pretax return on assets | 1.5045% | 1,617 |
| Return on Equity (ROE) | 10.2977% | 1,910 |
| Retained earnings to average equity (ytd only) | 7.0863% | 1,554 |
| Net charge-offs to loans | 0.1144% | 1,497 |
| Credit loss provision to net charge-offs | 245.0172% | 1,099 |
| Earnings coverage of net charge-offs (x) | 25.4811% | 1,603 |
| Efficiency ratio | 57.7193% | 4,633 |
| Assets per employee ($millions) | 4.4185% | 3,237 |
| Cash dividends to net income (ytd only)* | 31.1850% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 1,748 |
| Loan loss allowance to noncurrent loans | 64.4108% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.3822% | 1,144 |
| Noncurrent loans to loans | 2.2567% | 713 |
| Net loans and leases to total assets | 56.9900% | 4,122 |
| Net loans and leases to deposits | 74.1641% | 3,529 |
| Net loans and leases to core deposits | 78.7886% | 3,521 |
| Total domestic deposits to total assets | 76.8431% | 4,984 |
| Equity capital to assets | 10.7249% | 3,110 |
| Core capital (leverage) ratio | 10.1155% | 3,386 |
| Tier 1 risk-based capital ratio | 16.1161% | 2,453 |
| Total risk-based capital ratio | 17.3678% | 2,402 |
| Memoranda: | ||
| Average total assets | $890,912,330 | 852 |
| Average earning assets | $819,049,670 | 854 |
| Average equity | $93,419,330 | 882 |
| Average total loans | $508,553,330 | 1,005 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 2,132 |
| Cost of funding earning assets | 0.6343% | 1,164 |
| Net interest margin | 3.6066% | 2,869 |
| Noninterest income to average assets | 0.6379% | 2,234 |
| Noninterest expense to average assets | 2.3494% | 4,263 |
| Loan and lease loss provision to assets | 0.1698% | 1,044 |
| Net operating income to assets | 1.0273% | 2,181 |
| Return on assets (ROA) | 1.0273% | 2,232 |
| Pretax return on assets | 1.4140% | 1,840 |
| Return on Equity (ROE) | 9.9130% | 2,002 |
| Retained earnings to average equity (ytd only) | 3.3597% | 3,758 |
| Net charge-offs to loans | 0.1653% | 983 |
| Credit loss provision to net charge-offs | 181.1594% | 1,084 |
| Earnings coverage of net charge-offs (x) | 16.8986% | 1,622 |
| Efficiency ratio | 59.0422% | 4,585 |
| Assets per employee ($millions) | 4.3674% | 3,386 |
| Cash dividends to net income (ytd only)* | 66.1084% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,788 |
| Loan loss allowance to noncurrent loans | 65.1270% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3616% | 1,234 |
| Noncurrent loans to loans | 2.2621% | 737 |
| Net loans and leases to total assets | 55.7923% | 4,197 |
| Net loans and leases to deposits | 70.2301% | 3,771 |
| Net loans and leases to core deposits | 74.7577% | 3,762 |
| Total domestic deposits to total assets | 79.4421% | 4,726 |
| Equity capital to assets | 10.4962% | 3,190 |
| Core capital (leverage) ratio | 9.8893% | 3,636 |
| Tier 1 risk-based capital ratio | 16.4647% | 2,369 |
| Total risk-based capital ratio | 17.7170% | 2,315 |
| Memoranda: | ||
| Average total assets | $883,475,000 | 862 |
| Average earning assets | $807,193,500 | 865 |
| Average equity | $91,556,500 | 896 |
| Average total loans | $500,919,000 | 1,014 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2876% | 2,180 |
| Cost of funding earning assets | 0.6520% | 1,043 |
| Net interest margin | 3.6356% | 2,935 |
| Noninterest income to average assets | 0.6951% | 2,198 |
| Noninterest expense to average assets | 2.3830% | 4,340 |
| Loan and lease loss provision to assets | 0.1720% | 1,411 |
| Net operating income to assets | 1.0708% | 2,032 |
| Return on assets (ROA) | 1.0702% | 2,143 |
| Pretax return on assets | 1.4675% | 1,691 |
| Return on Equity (ROE) | 10.0772% | 1,926 |
| Retained earnings to average equity (ytd only) | 7.1598% | 1,165 |
| Net charge-offs to loans | 0.1693% | 1,605 |
| Credit loss provision to net charge-offs | 184.6250% | 1,521 |
| Earnings coverage of net charge-offs (x) | 17.6050% | 2,031 |
| Efficiency ratio | 58.5369% | 4,786 |
| Assets per employee ($millions) | 4.5371% | 3,062 |
| Cash dividends to net income (ytd only)* | 28.9508% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 1,950 |
| Loan loss allowance to noncurrent loans | 43.6972% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 1.9230% | 734 |
| Noncurrent loans to loans | 3.2773% | 378 |
| Net loans and leases to total assets | 55.9577% | 4,268 |
| Net loans and leases to deposits | 70.5918% | 3,846 |
| Net loans and leases to core deposits | 74.9316% | 3,840 |
| Total domestic deposits to total assets | 79.2693% | 4,729 |
| Equity capital to assets | 10.2306% | 3,466 |
| Core capital (leverage) ratio | 9.9771% | 3,508 |
| Tier 1 risk-based capital ratio | 16.3576% | 2,400 |
| Total risk-based capital ratio | 17.6089% | 2,337 |
| Memoranda: | ||
| Average total assets | $858,563,800 | 845 |
| Average earning assets | $786,013,600 | 852 |
| Average equity | $91,176,000 | 881 |
| Average total loans | $472,459,600 | 1,024 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 2,231 |
| Cost of funding earning assets | 0.6567% | 1,019 |
| Net interest margin | 3.6218% | 2,999 |
| Noninterest income to average assets | 0.7026% | 2,157 |
| Noninterest expense to average assets | 2.3683% | 4,359 |
| Loan and lease loss provision to assets | 0.1756% | 1,281 |
| Net operating income to assets | 1.0732% | 2,099 |
| Return on assets (ROA) | 1.0722% | 2,215 |
| Pretax return on assets | 1.4750% | 1,790 |
| Return on Equity (ROE) | 10.0017% | 2,048 |
| Retained earnings to average equity (ytd only) | 6.1190% | 2,117 |
| Net charge-offs to loans | 0.1551% | 1,451 |
| Credit loss provision to net charge-offs | 207.3937% | 1,408 |
| Earnings coverage of net charge-offs (x) | 19.5119% | 1,930 |
| Efficiency ratio | 58.2133% | 4,785 |
| Assets per employee ($millions) | 4.4007% | 3,253 |
| Cash dividends to net income (ytd only)* | 38.8208% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 1,788 |
| Loan loss allowance to noncurrent loans | 43.6731% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 1.9530% | 806 |
| Noncurrent loans to loans | 3.4171% | 385 |
| Net loans and leases to total assets | 54.3046% | 4,470 |
| Net loans and leases to deposits | 68.2590% | 4,125 |
| Net loans and leases to core deposits | 72.3959% | 4,127 |
| Total domestic deposits to total assets | 79.5566% | 4,599 |
| Equity capital to assets | 10.8889% | 3,149 |
| Core capital (leverage) ratio | 9.8725% | 3,728 |
| Tier 1 risk-based capital ratio | 17.0191% | 2,220 |
| Total risk-based capital ratio | 18.2718% | 2,178 |
| Memoranda: | ||
| Average total assets | $852,022,750 | 849 |
| Average earning assets | $780,439,750 | 860 |
| Average equity | $91,341,750 | 883 |
| Average total loans | $465,008,000 | 1,043 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 2,255 |
| Cost of funding earning assets | 0.6563% | 1,022 |
| Net interest margin | 3.6135% | 3,042 |
| Noninterest income to average assets | 0.7066% | 2,116 |
| Noninterest expense to average assets | 2.3559% | 4,461 |
| Loan and lease loss provision to assets | 0.1928% | 1,121 |
| Net operating income to assets | 1.0663% | 2,100 |
| Return on assets (ROA) | 1.0649% | 2,230 |
| Pretax return on assets | 1.4640% | 1,794 |
| Return on Equity (ROE) | 9.9865% | 2,056 |
| Retained earnings to average equity (ytd only) | 6.9826% | 1,613 |
| Net charge-offs to loans | 0.1452% | 1,454 |
| Credit loss provision to net charge-offs | 244.1791% | 1,121 |
| Earnings coverage of net charge-offs (x) | 21.0060% | 1,706 |
| Efficiency ratio | 57.9850% | 4,903 |
| Assets per employee ($millions) | 4.5112% | 3,001 |
| Cash dividends to net income (ytd only)* | 30.0797% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 1,847 |
| Loan loss allowance to noncurrent loans | 46.0425% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.9095% | 875 |
| Noncurrent loans to loans | 3.2633% | 427 |
| Net loans and leases to total assets | 53.8052% | 4,530 |
| Net loans and leases to deposits | 67.2471% | 4,246 |
| Net loans and leases to core deposits | 71.4167% | 4,225 |
| Total domestic deposits to total assets | 80.0111% | 4,545 |
| Equity capital to assets | 10.9801% | 3,079 |
| Core capital (leverage) ratio | 9.7563% | 3,866 |
| Tier 1 risk-based capital ratio | 16.9209% | 2,243 |
| Total risk-based capital ratio | 18.1731% | 2,202 |
| Memoranda: | ||
| Average total assets | $848,517,330 | 853 |
| Average earning assets | $776,748,330 | 862 |
| Average equity | $90,482,000 | 888 |
| Average total loans | $461,512,670 | 1,048 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 2,233 |
| Cost of funding earning assets | 0.6576% | 1,011 |
| Net interest margin | 3.6133% | 3,035 |
| Noninterest income to average assets | 0.7712% | 1,727 |
| Noninterest expense to average assets | 2.3269% | 4,585 |
| Loan and lease loss provision to assets | 0.2429% | 738 |
| Net operating income to assets | 1.0953% | 1,922 |
| Return on assets (ROA) | 1.0925% | 2,034 |
| Pretax return on assets | 1.5084% | 1,556 |
| Return on Equity (ROE) | 10.4011% | 1,818 |
| Retained earnings to average equity (ytd only) | 4.2873% | 3,336 |
| Net charge-offs to loans | 0.1515% | 1,208 |
| Credit loss provision to net charge-offs | 295.4023% | 866 |
| Earnings coverage of net charge-offs (x) | 21.3448% | 1,434 |
| Efficiency ratio | 56.3093% | 5,167 |
| Assets per employee ($millions) | 4.5778% | 2,938 |
| Cash dividends to net income (ytd only)* | 58.7803% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 1,944 |
| Loan loss allowance to noncurrent loans | 96.7537% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.9736% | 2,276 |
| Noncurrent loans to loans | 1.5595% | 1,494 |
| Net loans and leases to total assets | 52.5510% | 4,573 |
| Net loans and leases to deposits | 64.4292% | 4,400 |
| Net loans and leases to core deposits | 68.3476% | 4,369 |
| Total domestic deposits to total assets | 81.5640% | 4,343 |
| Equity capital to assets | 10.5511% | 3,429 |
| Core capital (leverage) ratio | 9.5807% | 4,061 |
| Tier 1 risk-based capital ratio | 17.3041% | 2,183 |
| Total risk-based capital ratio | 18.5569% | 2,150 |
| Memoranda: | ||
| Average total assets | $846,464,000 | 862 |
| Average earning assets | $775,571,500 | 861 |
| Average equity | $88,913,500 | 899 |
| Average total loans | $459,392,000 | 1,050 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 2,829 |
| Cost of funding earning assets | 0.6658% | 985 |
| Net interest margin | 3.4597% | 3,676 |
| Noninterest income to average assets | 0.6460% | 2,483 |
| Noninterest expense to average assets | 2.2718% | 4,869 |
| Loan and lease loss provision to assets | 0.1573% | 1,482 |
| Net operating income to assets | 1.0304% | 2,211 |
| Return on assets (ROA) | 1.0310% | 2,293 |
| Pretax return on assets | 1.3953% | 1,925 |
| Return on Equity (ROE) | 10.0313% | 1,999 |
| Retained earnings to average equity (ytd only) | -2.6643% | 5,792 |
| Net charge-offs to loans | 0.2353% | 1,266 |
| Credit loss provision to net charge-offs | 126.3768% | 2,059 |
| Earnings coverage of net charge-offs (x) | 12.4667% | 2,465 |
| Efficiency ratio | 58.7016% | 5,064 |
| Assets per employee ($millions) | 4.5731% | 2,919 |
| Cash dividends to net income (ytd only)* | 126.5601% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 2,409 |
| Loan loss allowance to noncurrent loans | 96.4899% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 0.9907% | 2,219 |
| Noncurrent loans to loans | 1.4537% | 1,607 |
| Net loans and leases to total assets | 54.4243% | 4,463 |
| Net loans and leases to deposits | 66.8307% | 4,237 |
| Net loans and leases to core deposits | 71.2666% | 4,194 |
| Total domestic deposits to total assets | 81.4361% | 4,355 |
| Equity capital to assets | 10.4566% | 3,411 |
| Core capital (leverage) ratio | 9.6517% | 3,976 |
| Tier 1 risk-based capital ratio | 17.0000% | 2,282 |
| Total risk-based capital ratio | 18.2518% | 2,229 |
| Memoranda: | ||
| Average total assets | $831,484,800 | 838 |
| Average earning assets | $763,704,200 | 829 |
| Average equity | $85,462,400 | 894 |
| Average total loans | $439,787,200 | 1,042 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 3,086 |
| Cost of funding earning assets | 0.6627% | 1,016 |
| Net interest margin | 3.4010% | 3,956 |
| Noninterest income to average assets | 0.6427% | 2,516 |
| Noninterest expense to average assets | 2.2036% | 5,044 |
| Loan and lease loss provision to assets | 0.1920% | 1,054 |
| Net operating income to assets | 1.0213% | 2,370 |
| Return on assets (ROA) | 1.0221% | 2,460 |
| Pretax return on assets | 1.3754% | 2,120 |
| Return on Equity (ROE) | 9.9882% | 2,109 |
| Retained earnings to average equity (ytd only) | -7.0648% | 6,078 |
| Net charge-offs to loans | 0.2494% | 1,049 |
| Credit loss provision to net charge-offs | 147.2256% | 1,710 |
| Earnings coverage of net charge-offs (x) | 12.0086% | 2,442 |
| Efficiency ratio | 57.7389% | 5,155 |
| Assets per employee ($millions) | 4.4801% | 3,044 |
| Cash dividends to net income (ytd only)* | 170.7318% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 2,054 |
| Loan loss allowance to noncurrent loans | 105.2924% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.9702% | 2,422 |
| Noncurrent loans to loans | 1.4469% | 1,734 |
| Net loans and leases to total assets | 51.9493% | 4,766 |
| Net loans and leases to deposits | 63.6831% | 4,582 |
| Net loans and leases to core deposits | 68.1724% | 4,528 |
| Total domestic deposits to total assets | 81.5746% | 4,297 |
| Equity capital to assets | 10.4296% | 3,672 |
| Core capital (leverage) ratio | 9.4944% | 4,311 |
| Tier 1 risk-based capital ratio | 16.5084% | 2,570 |
| Total risk-based capital ratio | 17.7605% | 2,534 |
| Memoranda: | ||
| Average total assets | $828,993,250 | 850 |
| Average earning assets | $762,272,750 | 835 |
| Average equity | $84,831,250 | 906 |
| Average total loans | $433,616,750 | 1,057 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9047% | 3,666 |
| Cost of funding earning assets | 0.6515% | 1,091 |
| Net interest margin | 3.2532% | 4,483 |
| Noninterest income to average assets | 0.6165% | 2,648 |
| Noninterest expense to average assets | 2.1253% | 5,285 |
| Loan and lease loss provision to assets | 0.2468% | 715 |
| Net operating income to assets | 0.9397% | 2,691 |
| Return on assets (ROA) | 0.9408% | 2,808 |
| Pretax return on assets | 1.2411% | 2,591 |
| Return on Equity (ROE) | 9.2528% | 2,410 |
| Retained earnings to average equity (ytd only) | -14.7851% | 6,230 |
| Net charge-offs to loans | 0.2816% | 935 |
| Credit loss provision to net charge-offs | 168.0328% | 1,419 |
| Earnings coverage of net charge-offs (x) | 10.1197% | 2,392 |
| Efficiency ratio | 58.1305% | 5,208 |
| Assets per employee ($millions) | 4.4714% | 3,030 |
| Cash dividends to net income (ytd only)* | 259.7901% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 2,026 |
| Loan loss allowance to noncurrent loans | 90.4374% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.1084% | 2,288 |
| Noncurrent loans to loans | 1.7325% | 1,486 |
| Net loans and leases to total assets | 50.5655% | 4,879 |
| Net loans and leases to deposits | 61.5135% | 4,733 |
| Net loans and leases to core deposits | 65.6581% | 4,680 |
| Total domestic deposits to total assets | 82.2024% | 4,230 |
| Equity capital to assets | 10.0265% | 4,008 |
| Core capital (leverage) ratio | 8.7333% | 5,287 |
| Tier 1 risk-based capital ratio | 16.2726% | 2,720 |
| Total risk-based capital ratio | 17.5247% | 2,680 |
| Memoranda: | ||
| Average total assets | $830,546,000 | 849 |
| Average earning assets | $764,729,000 | 838 |
| Average equity | $84,450,000 | 908 |
| Average total loans | $433,202,000 | 1,058 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0927% | 2,865 |
| Cost of funding earning assets | 0.7336% | 718 |
| Net interest margin | 3.3592% | 3,991 |
| Noninterest income to average assets | 0.6695% | 2,310 |
| Noninterest expense to average assets | 2.1547% | 5,262 |
| Loan and lease loss provision to assets | 0.1344% | 1,541 |
| Net operating income to assets | 1.1460% | 1,716 |
| Return on assets (ROA) | 1.1460% | 1,821 |
| Pretax return on assets | 1.5061% | 1,548 |
| Return on Equity (ROE) | 11.3166% | 1,545 |
| Retained earnings to average equity (ytd only) | -48.5394% | 6,384 |
| Net charge-offs to loans | 0.2405% | 991 |
| Credit loss provision to net charge-offs | 113.6364% | 1,483 |
| Earnings coverage of net charge-offs (x) | 13.8737% | 1,696 |
| Efficiency ratio | 56.1133% | 5,507 |
| Assets per employee ($millions) | 4.8068% | 2,614 |
| Cash dividends to net income (ytd only)* | 528.9213% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9573% | 1,166 |
| Loan loss allowance to noncurrent loans | 85.6362% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.3072% | 2,032 |
| Noncurrent loans to loans | 2.2855% | 1,090 |
| Net loans and leases to total assets | 46.6419% | 5,149 |
| Net loans and leases to deposits | 57.6409% | 4,941 |
| Net loans and leases to core deposits | 61.8215% | 4,851 |
| Total domestic deposits to total assets | 80.9181% | 4,845 |
| Equity capital to assets | 9.5265% | 4,716 |
| Core capital (leverage) ratio | 8.8553% | 5,130 |
| Tier 1 risk-based capital ratio | 16.8066% | 2,555 |
| Total risk-based capital ratio | 18.0628% | 2,510 |
| Memoranda: | ||
| Average total assets | $669,797,500 | 1,040 |
| Average earning assets | $623,249,500 | 1,025 |
| Average equity | $67,829,500 | 1,135 |
| Average total loans | $329,286,000 | 1,364 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2100% | 2,919 |
| Cost of funding earning assets | 0.7655% | 780 |
| Net interest margin | 3.4445% | 4,005 |
| Noninterest income to average assets | 0.6695% | 2,451 |
| Noninterest expense to average assets | 2.2937% | 5,129 |
| Loan and lease loss provision to assets | 0.1224% | 2,142 |
| Net operating income to assets | 1.1143% | 1,926 |
| Return on assets (ROA) | 1.1243% | 1,943 |
| Pretax return on assets | 1.4711% | 1,650 |
| Return on Equity (ROE) | 10.9905% | 1,725 |
| Retained earnings to average equity (ytd only) | 9.2901% | 645 |
| Net charge-offs to loans | 0.2393% | 1,771 |
| Credit loss provision to net charge-offs | 101.8963% | 2,351 |
| Earnings coverage of net charge-offs (x) | 13.1517% | 2,300 |
| Efficiency ratio | 58.5523% | 5,401 |
| Assets per employee ($millions) | 4.6947% | 2,733 |
| Cash dividends to net income (ytd only)* | 15.4709% | 3,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 1,440 |
| Loan loss allowance to noncurrent loans | 119.6357% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.0593% | 2,627 |
| Noncurrent loans to loans | 1.5409% | 1,904 |
| Net loans and leases to total assets | 49.8302% | 4,993 |
| Net loans and leases to deposits | 62.4948% | 4,679 |
| Net loans and leases to core deposits | 67.0665% | 4,591 |
| Total domestic deposits to total assets | 79.7349% | 5,085 |
| Equity capital to assets | 10.7329% | 3,199 |
| Core capital (leverage) ratio | 10.0782% | 3,463 |
| Tier 1 risk-based capital ratio | 18.3505% | 2,033 |
| Total risk-based capital ratio | 19.6055% | 1,997 |
| Memoranda: | ||
| Average total assets | $658,279,400 | 1,017 |
| Average earning assets | $612,425,200 | 1,002 |
| Average equity | $67,340,200 | 1,097 |
| Average total loans | $330,598,000 | 1,324 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1810% | 3,060 |
| Cost of funding earning assets | 0.7703% | 796 |
| Net interest margin | 3.4108% | 4,194 |
| Noninterest income to average assets | 0.6640% | 2,505 |
| Noninterest expense to average assets | 2.2881% | 5,139 |
| Loan and lease loss provision to assets | 0.1461% | 1,712 |
| Net operating income to assets | 1.0836% | 2,099 |
| Return on assets (ROA) | 1.0972% | 2,113 |
| Pretax return on assets | 1.4235% | 1,913 |
| Return on Equity (ROE) | 10.8615% | 1,855 |
| Retained earnings to average equity (ytd only) | 8.5584% | 1,138 |
| Net charge-offs to loans | 0.1887% | 1,955 |
| Credit loss provision to net charge-offs | 154.6237% | 1,539 |
| Earnings coverage of net charge-offs (x) | 16.4259% | 1,973 |
| Efficiency ratio | 58.9185% | 5,318 |
| Assets per employee ($millions) | 4.7363% | 2,610 |
| Cash dividends to net income (ytd only)* | 21.2037% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9624% | 1,326 |
| Loan loss allowance to noncurrent loans | 95.2087% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.3798% | 2,240 |
| Noncurrent loans to loans | 2.0612% | 1,522 |
| Net loans and leases to total assets | 49.1571% | 5,098 |
| Net loans and leases to deposits | 61.4468% | 4,802 |
| Net loans and leases to core deposits | 66.9589% | 4,610 |
| Total domestic deposits to total assets | 79.9995% | 5,099 |
| Equity capital to assets | 10.5272% | 3,523 |
| Core capital (leverage) ratio | 9.8256% | 3,908 |
| Tier 1 risk-based capital ratio | 18.2537% | 2,133 |
| Total risk-based capital ratio | 19.5109% | 2,096 |
| Memoranda: | ||
| Average total assets | $656,188,250 | 1,027 |
| Average earning assets | $611,030,000 | 1,015 |
| Average equity | $66,287,750 | 1,114 |
| Average total loans | $328,640,250 | 1,337 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 3,194 |
| Cost of funding earning assets | 0.7752% | 807 |
| Net interest margin | 3.3626% | 4,342 |
| Noninterest income to average assets | 0.6276% | 2,666 |
| Noninterest expense to average assets | 2.1969% | 5,419 |
| Loan and lease loss provision to assets | 0.1959% | 1,245 |
| Net operating income to assets | 1.0615% | 2,069 |
| Return on assets (ROA) | 1.0615% | 2,151 |
| Pretax return on assets | 1.3651% | 2,021 |
| Return on Equity (ROE) | 10.6584% | 1,862 |
| Retained earnings to average equity (ytd only) | 9.3257% | 877 |
| Net charge-offs to loans | 0.0207% | 3,800 |
| Credit loss provision to net charge-offs | 1,888.2353% | 198 |
| Earnings coverage of net charge-offs (x) | 150.4706% | 410 |
| Efficiency ratio | 57.7785% | 5,581 |
| Assets per employee ($millions) | 4.6395% | 2,715 |
| Cash dividends to net income (ytd only)* | 12.5036% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0808% | 1,222 |
| Loan loss allowance to noncurrent loans | 102.8451% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.3491% | 2,428 |
| Noncurrent loans to loans | 2.0233% | 1,672 |
| Net loans and leases to total assets | 48.7999% | 5,103 |
| Net loans and leases to deposits | 60.3971% | 4,833 |
| Net loans and leases to core deposits | 64.7897% | 4,746 |
| Total domestic deposits to total assets | 80.7985% | 5,042 |
| Equity capital to assets | 10.3091% | 3,680 |
| Core capital (leverage) ratio | 9.6827% | 4,067 |
| Tier 1 risk-based capital ratio | 17.9155% | 2,273 |
| Total risk-based capital ratio | 19.1739% | 2,239 |
| Memoranda: | ||
| Average total assets | $655,467,000 | 1,033 |
| Average earning assets | $610,186,670 | 1,019 |
| Average equity | $65,281,670 | 1,119 |
| Average total loans | $328,152,000 | 1,327 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 3,290 |
| Cost of funding earning assets | 0.7942% | 767 |
| Net interest margin | 3.3045% | 4,514 |
| Noninterest income to average assets | 0.6485% | 2,473 |
| Noninterest expense to average assets | 2.2178% | 5,422 |
| Loan and lease loss provision to assets | 0.2411% | 910 |
| Net operating income to assets | 0.9966% | 2,224 |
| Return on assets (ROA) | 0.9966% | 2,282 |
| Pretax return on assets | 1.2622% | 2,238 |
| Return on Equity (ROE) | 10.1870% | 1,967 |
| Retained earnings to average equity (ytd only) | 7.4667% | 1,835 |
| Net charge-offs to loans | 0.1634% | 1,738 |
| Credit loss provision to net charge-offs | 294.0299% | 812 |
| Earnings coverage of net charge-offs (x) | 18.3358% | 1,422 |
| Efficiency ratio | 58.9115% | 5,552 |
| Assets per employee ($millions) | 4.6759% | 2,692 |
| Cash dividends to net income (ytd only)* | 26.7035% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0083% | 1,503 |
| Loan loss allowance to noncurrent loans | 103.1991% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.4072% | 2,519 |
| Noncurrent loans to loans | 1.9461% | 1,936 |
| Net loans and leases to total assets | 47.9854% | 5,134 |
| Net loans and leases to deposits | 58.6612% | 4,877 |
| Net loans and leases to core deposits | 63.2049% | 4,769 |
| Total domestic deposits to total assets | 81.8011% | 4,997 |
| Equity capital to assets | 9.8629% | 4,010 |
| Core capital (leverage) ratio | 9.4432% | 4,355 |
| Tier 1 risk-based capital ratio | 18.1854% | 2,214 |
| Total risk-based capital ratio | 19.4436% | 2,179 |
| Memoranda: | ||
| Average total assets | $653,798,500 | 1,043 |
| Average earning assets | $607,893,000 | 1,032 |
| Average equity | $63,964,000 | 1,146 |
| Average total loans | $328,064,000 | 1,331 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 3,397 |
| Cost of funding earning assets | 0.9183% | 671 |
| Net interest margin | 3.2664% | 4,786 |
| Noninterest income to average assets | 0.7195% | 2,434 |
| Noninterest expense to average assets | 2.3631% | 5,194 |
| Loan and lease loss provision to assets | 0.3535% | 892 |
| Net operating income to assets | 0.8522% | 3,019 |
| Return on assets (ROA) | 0.8522% | 3,097 |
| Pretax return on assets | 1.0385% | 3,198 |
| Return on Equity (ROE) | 8.6359% | 2,732 |
| Retained earnings to average equity (ytd only) | 7.0092% | 1,429 |
| Net charge-offs to loans | 0.5949% | 1,110 |
| Credit loss provision to net charge-offs | 116.0124% | 2,076 |
| Earnings coverage of net charge-offs (x) | 4.5687% | 3,531 |
| Efficiency ratio | 62.2271% | 5,175 |
| Assets per employee ($millions) | 4.4404% | 3,010 |
| Cash dividends to net income (ytd only)* | 18.8366% | 3,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 1,860 |
| Loan loss allowance to noncurrent loans | 106.1935% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.5274% | 2,434 |
| Noncurrent loans to loans | 1.7586% | 2,291 |
| Net loans and leases to total assets | 50.4479% | 5,034 |
| Net loans and leases to deposits | 61.7196% | 4,747 |
| Net loans and leases to core deposits | 66.1191% | 4,683 |
| Total domestic deposits to total assets | 81.7372% | 4,955 |
| Equity capital to assets | 9.7027% | 4,163 |
| Core capital (leverage) ratio | 9.4090% | 4,401 |
| Tier 1 risk-based capital ratio | 16.8904% | 2,664 |
| Total risk-based capital ratio | 18.1464% | 2,622 |
| Memoranda: | ||
| Average total assets | $635,443,000 | 1,054 |
| Average earning assets | $590,529,800 | 1,036 |
| Average equity | $62,703,600 | 1,144 |
| Average total loans | $325,455,600 | 1,311 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1856% | 3,439 |
| Cost of funding earning assets | 0.9254% | 726 |
| Net interest margin | 3.2602% | 4,791 |
| Noninterest income to average assets | 0.8628% | 1,885 |
| Noninterest expense to average assets | 2.4401% | 4,906 |
| Loan and lease loss provision to assets | 0.2583% | 1,376 |
| Net operating income to assets | 0.9644% | 2,524 |
| Return on assets (ROA) | 0.9644% | 2,622 |
| Pretax return on assets | 1.1912% | 2,741 |
| Return on Equity (ROE) | 9.5730% | 2,364 |
| Retained earnings to average equity (ytd only) | 8.0925% | 1,374 |
| Net charge-offs to loans | 0.3507% | 1,795 |
| Credit loss provision to net charge-offs | 146.8800% | 1,602 |
| Earnings coverage of net charge-offs (x) | 8.2416% | 2,654 |
| Efficiency ratio | 61.8217% | 5,161 |
| Assets per employee ($millions) | 3.5793% | 4,693 |
| Cash dividends to net income (ytd only)* | 15.4654% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 2,363 |
| Loan loss allowance to noncurrent loans | 72.5017% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.7832% | 2,298 |
| Noncurrent loans to loans | 2.4573% | 1,774 |
| Net loans and leases to total assets | 50.4103% | 5,093 |
| Net loans and leases to deposits | 62.8631% | 4,647 |
| Net loans and leases to core deposits | 67.9255% | 4,536 |
| Total domestic deposits to total assets | 80.1905% | 5,461 |
| Equity capital to assets | 10.0107% | 3,884 |
| Core capital (leverage) ratio | 9.4326% | 4,502 |
| Tier 1 risk-based capital ratio | 17.0064% | 2,700 |
| Total risk-based capital ratio | 18.2614% | 2,665 |
| Memoranda: | ||
| Average total assets | $473,787,750 | 1,410 |
| Average earning assets | $439,873,750 | 1,387 |
| Average equity | $47,730,500 | 1,480 |
| Average total loans | $237,636,750 | 1,744 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1904% | 3,414 |
| Cost of funding earning assets | 0.9354% | 763 |
| Net interest margin | 3.2550% | 4,753 |
| Noninterest income to average assets | 0.8291% | 2,070 |
| Noninterest expense to average assets | 2.4366% | 4,939 |
| Loan and lease loss provision to assets | 0.2583% | 1,433 |
| Net operating income to assets | 0.9433% | 2,602 |
| Return on assets (ROA) | 0.9433% | 2,745 |
| Pretax return on assets | 1.1606% | 2,838 |
| Return on Equity (ROE) | 9.3435% | 2,475 |
| Retained earnings to average equity (ytd only) | 9.3435% | 1,012 |
| Net charge-offs to loans | 0.1580% | 2,837 |
| Credit loss provision to net charge-offs | 328.4946% | 792 |
| Earnings coverage of net charge-offs (x) | 18.0430% | 1,573 |
| Efficiency ratio | 62.2766% | 5,132 |
| Assets per employee ($millions) | 3.6196% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8892% | 2,141 |
| Loan loss allowance to noncurrent loans | 80.0036% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.7175% | 2,534 |
| Noncurrent loans to loans | 2.3613% | 2,000 |
| Net loans and leases to total assets | 49.1220% | 5,210 |
| Net loans and leases to deposits | 60.5695% | 4,911 |
| Net loans and leases to core deposits | 65.3612% | 4,757 |
| Total domestic deposits to total assets | 81.1003% | 5,316 |
| Equity capital to assets | 9.8804% | 4,081 |
| Core capital (leverage) ratio | 9.2411% | 4,636 |
| Tier 1 risk-based capital ratio | 17.2788% | 2,600 |
| Total risk-based capital ratio | 18.5351% | 2,567 |
| Memoranda: | ||
| Average total assets | $473,033,670 | 1,405 |
| Average earning assets | $439,809,670 | 1,389 |
| Average equity | $47,755,330 | 1,493 |
| Average total loans | $235,405,330 | 1,747 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 3,409 |
| Cost of funding earning assets | 0.9457% | 796 |
| Net interest margin | 3.2284% | 4,812 |
| Noninterest income to average assets | 0.7789% | 2,219 |
| Noninterest expense to average assets | 2.4772% | 4,835 |
| Loan and lease loss provision to assets | 0.2633% | 1,347 |
| Net operating income to assets | 0.8627% | 2,850 |
| Return on assets (ROA) | 0.8627% | 2,985 |
| Pretax return on assets | 1.0413% | 3,181 |
| Return on Equity (ROE) | 8.4550% | 2,744 |
| Retained earnings to average equity (ytd only) | 8.4550% | 1,580 |
| Net charge-offs to loans | 0.1263% | 2,662 |
| Credit loss provision to net charge-offs | 420.2703% | 614 |
| Earnings coverage of net charge-offs (x) | 20.8243% | 1,175 |
| Efficiency ratio | 64.5623% | 4,908 |
| Assets per employee ($millions) | 3.6708% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 2,462 |
| Loan loss allowance to noncurrent loans | 65.9150% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.8290% | 2,572 |
| Noncurrent loans to loans | 2.7997% | 1,811 |
| Net loans and leases to total assets | 47.8933% | 5,237 |
| Net loans and leases to deposits | 58.9432% | 4,915 |
| Net loans and leases to core deposits | 63.6673% | 4,778 |
| Total domestic deposits to total assets | 81.2533% | 5,432 |
| Equity capital to assets | 10.1622% | 3,943 |
| Core capital (leverage) ratio | 9.0977% | 4,721 |
| Tier 1 risk-based capital ratio | 16.9915% | 2,755 |
| Total risk-based capital ratio | 18.2471% | 2,727 |
| Memoranda: | ||
| Average total assets | $472,464,500 | 1,419 |
| Average earning assets | $439,476,000 | 1,406 |
| Average equity | $48,208,000 | 1,497 |
| Average total loans | $234,404,000 | 1,766 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3933% | 3,833 |
| Cost of funding earning assets | 1.0338% | 1,193 |
| Net interest margin | 3.3595% | 5,039 |
| Noninterest income to average assets | 0.8861% | 1,911 |
| Noninterest expense to average assets | 2.4335% | 5,309 |
| Loan and lease loss provision to assets | 0.2756% | 2,443 |
| Net operating income to assets | 1.0415% | 2,163 |
| Return on assets (ROA) | 1.0431% | 2,355 |
| Pretax return on assets | 1.3097% | 2,358 |
| Return on Equity (ROE) | 10.3602% | 2,020 |
| Retained earnings to average equity (ytd only) | 5.8849% | 2,150 |
| Net charge-offs to loans | 0.1882% | 3,870 |
| Credit loss provision to net charge-offs | 297.8824% | 823 |
| Earnings coverage of net charge-offs (x) | 17.1153% | 1,527 |
| Efficiency ratio | 59.6781% | 5,591 |
| Assets per employee ($millions) | 3.6257% | 4,720 |
| Cash dividends to net income (ytd only)* | 43.1970% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 2,857 |
| Loan loss allowance to noncurrent loans | 71.0287% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.6963% | 2,852 |
| Noncurrent loans to loans | 2.4224% | 2,198 |
| Net loans and leases to total assets | 49.5809% | 5,224 |
| Net loans and leases to deposits | 60.9093% | 4,925 |
| Net loans and leases to core deposits | 64.5215% | 4,900 |
| Total domestic deposits to total assets | 81.4013% | 5,277 |
| Equity capital to assets | 10.2457% | 3,832 |
| Core capital (leverage) ratio | 8.9790% | 4,930 |
| Tier 1 risk-based capital ratio | 16.1861% | 3,056 |
| Total risk-based capital ratio | 17.4402% | 3,010 |
| Memoranda: | ||
| Average total assets | $459,415,800 | 1,433 |
| Average earning assets | $428,126,000 | 1,413 |
| Average equity | $46,253,800 | 1,508 |
| Average total loans | $225,816,200 | 1,803 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 4,018 |
| Cost of funding earning assets | 1.0453% | 1,303 |
| Net interest margin | 3.3616% | 5,176 |
| Noninterest income to average assets | 0.8831% | 1,895 |
| Noninterest expense to average assets | 2.4486% | 5,242 |
| Loan and lease loss provision to assets | 0.2714% | 2,403 |
| Net operating income to assets | 1.0378% | 2,325 |
| Return on assets (ROA) | 1.0399% | 2,536 |
| Pretax return on assets | 1.2999% | 2,613 |
| Return on Equity (ROE) | 10.3756% | 2,182 |
| Retained earnings to average equity (ytd only) | 8.0777% | 1,591 |
| Net charge-offs to loans | 0.1881% | 3,613 |
| Credit loss provision to net charge-offs | 295.5556% | 917 |
| Earnings coverage of net charge-offs (x) | 17.0825% | 1,642 |
| Efficiency ratio | 60.0363% | 5,492 |
| Assets per employee ($millions) | 3.6911% | 4,563 |
| Cash dividends to net income (ytd only)* | 22.1475% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6484% | 3,338 |
| Loan loss allowance to noncurrent loans | 64.3672% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.7422% | 2,995 |
| Noncurrent loans to loans | 2.5609% | 2,233 |
| Net loans and leases to total assets | 48.8121% | 5,452 |
| Net loans and leases to deposits | 60.2940% | 5,170 |
| Net loans and leases to core deposits | 63.2970% | 5,232 |
| Total domestic deposits to total assets | 80.9569% | 5,369 |
| Equity capital to assets | 10.2649% | 4,116 |
| Core capital (leverage) ratio | 9.0341% | 5,009 |
| Tier 1 risk-based capital ratio | 16.4060% | 3,057 |
| Total risk-based capital ratio | 17.6592% | 3,017 |
| Memoranda: | ||
| Average total assets | $457,339,750 | 1,454 |
| Average earning assets | $426,410,000 | 1,430 |
| Average equity | $45,837,000 | 1,532 |
| Average total loans | $223,280,250 | 1,833 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 4,065 |
| Cost of funding earning assets | 1.0537% | 1,449 |
| Net interest margin | 3.3761% | 5,187 |
| Noninterest income to average assets | 0.8811% | 1,859 |
| Noninterest expense to average assets | 2.4581% | 5,266 |
| Loan and lease loss provision to assets | 0.2699% | 2,426 |
| Net operating income to assets | 1.0411% | 2,293 |
| Return on assets (ROA) | 1.0443% | 2,503 |
| Pretax return on assets | 1.3009% | 2,554 |
| Return on Equity (ROE) | 10.5066% | 2,164 |
| Retained earnings to average equity (ytd only) | 8.8206% | 1,333 |
| Net charge-offs to loans | 0.2089% | 3,313 |
| Credit loss provision to net charge-offs | 266.0870% | 1,084 |
| Earnings coverage of net charge-offs (x) | 15.4478% | 1,647 |
| Efficiency ratio | 60.1512% | 5,550 |
| Assets per employee ($millions) | 3.6531% | 4,633 |
| Cash dividends to net income (ytd only)* | 16.0473% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 3,589 |
| Loan loss allowance to noncurrent loans | 62.8666% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.7398% | 3,117 |
| Noncurrent loans to loans | 2.5510% | 2,363 |
| Net loans and leases to total assets | 48.0002% | 5,613 |
| Net loans and leases to deposits | 58.2683% | 5,419 |
| Net loans and leases to core deposits | 61.3188% | 5,455 |
| Total domestic deposits to total assets | 82.3778% | 4,990 |
| Equity capital to assets | 10.1137% | 4,172 |
| Core capital (leverage) ratio | 8.9310% | 5,009 |
| Tier 1 risk-based capital ratio | 16.7014% | 2,805 |
| Total risk-based capital ratio | 17.9544% | 2,755 |
| Memoranda: | ||
| Average total assets | $453,528,670 | 1,469 |
| Average earning assets | $422,323,330 | 1,449 |
| Average equity | $45,076,330 | 1,550 |
| Average total loans | $220,156,000 | 1,854 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4082% | 4,296 |
| Cost of funding earning assets | 1.0698% | 1,558 |
| Net interest margin | 3.3384% | 5,340 |
| Noninterest income to average assets | 0.8637% | 1,895 |
| Noninterest expense to average assets | 2.4765% | 5,227 |
| Loan and lease loss provision to assets | 0.2719% | 2,283 |
| Net operating income to assets | 0.9943% | 2,500 |
| Return on assets (ROA) | 0.9943% | 2,695 |
| Pretax return on assets | 1.2156% | 2,855 |
| Return on Equity (ROE) | 10.0951% | 2,373 |
| Retained earnings to average equity (ytd only) | 6.6669% | 2,598 |
| Net charge-offs to loans | 0.2753% | 2,570 |
| Credit loss provision to net charge-offs | 204.0000% | 1,322 |
| Earnings coverage of net charge-offs (x) | 11.1600% | 1,694 |
| Efficiency ratio | 61.5333% | 5,364 |
| Assets per employee ($millions) | 3.6101% | 4,858 |
| Cash dividends to net income (ytd only)* | 33.9589% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 3,866 |
| Loan loss allowance to noncurrent loans | 52.6850% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 1.9010% | 3,044 |
| Noncurrent loans to loans | 2.9724% | 2,168 |
| Net loans and leases to total assets | 46.2703% | 5,751 |
| Net loans and leases to deposits | 55.1164% | 5,691 |
| Net loans and leases to core deposits | 58.6938% | 5,655 |
| Total domestic deposits to total assets | 83.9502% | 4,516 |
| Equity capital to assets | 9.7508% | 4,454 |
| Core capital (leverage) ratio | 8.8243% | 5,103 |
| Tier 1 risk-based capital ratio | 16.5433% | 2,888 |
| Total risk-based capital ratio | 17.7955% | 2,854 |
| Memoranda: | ||
| Average total assets | $450,149,000 | 1,484 |
| Average earning assets | $418,041,500 | 1,459 |
| Average equity | $44,338,500 | 1,566 |
| Average total loans | $217,964,000 | 1,872 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7314% | 4,113 |
| Cost of funding earning assets | 1.2423% | 1,774 |
| Net interest margin | 3.4891% | 5,189 |
| Noninterest income to average assets | 0.8479% | 1,851 |
| Noninterest expense to average assets | 2.4672% | 5,574 |
| Loan and lease loss provision to assets | 0.2491% | 3,714 |
| Net operating income to assets | 1.0987% | 1,839 |
| Return on assets (ROA) | 1.0766% | 2,038 |
| Pretax return on assets | 1.3162% | 2,065 |
| Return on Equity (ROE) | 11.4527% | 1,572 |
| Retained earnings to average equity (ytd only) | 6.0931% | 1,964 |
| Net charge-offs to loans | 0.3640% | 3,584 |
| Credit loss provision to net charge-offs | 137.5641% | 2,159 |
| Earnings coverage of net charge-offs (x) | 8.7923% | 2,089 |
| Efficiency ratio | 59.8147% | 5,788 |
| Assets per employee ($millions) | 3.5064% | 4,995 |
| Cash dividends to net income (ytd only)* | 46.7975% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 4,191 |
| Loan loss allowance to noncurrent loans | 36.6503% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 2.4664% | 2,468 |
| Noncurrent loans to loans | 3.9848% | 1,566 |
| Net loans and leases to total assets | 49.1591% | 5,701 |
| Net loans and leases to deposits | 58.7760% | 5,623 |
| Net loans and leases to core deposits | 61.8476% | 5,674 |
| Total domestic deposits to total assets | 83.6381% | 4,481 |
| Equity capital to assets | 9.9524% | 4,223 |
| Core capital (leverage) ratio | 8.9083% | 4,921 |
| Tier 1 risk-based capital ratio | 15.8549% | 3,127 |
| Total risk-based capital ratio | 17.1060% | 3,086 |
| Memoranda: | ||
| Average total assets | $430,696,000 | 1,513 |
| Average earning assets | $396,437,200 | 1,502 |
| Average equity | $40,488,200 | 1,665 |
| Average total loans | $214,276,600 | 1,918 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8272% | 3,897 |
| Cost of funding earning assets | 1.2820% | 1,805 |
| Net interest margin | 3.5451% | 5,003 |
| Noninterest income to average assets | 0.8297% | 1,930 |
| Noninterest expense to average assets | 2.4375% | 5,667 |
| Loan and lease loss provision to assets | 0.2461% | 3,544 |
| Net operating income to assets | 1.1401% | 1,837 |
| Return on assets (ROA) | 1.1108% | 2,068 |
| Pretax return on assets | 1.3650% | 2,065 |
| Return on Equity (ROE) | 11.9978% | 1,552 |
| Retained earnings to average equity (ytd only) | 4.6948% | 3,381 |
| Net charge-offs to loans | 0.3967% | 3,126 |
| Credit loss provision to net charge-offs | 124.8025% | 2,575 |
| Earnings coverage of net charge-offs (x) | 8.3523% | 2,192 |
| Efficiency ratio | 58.7109% | 5,903 |
| Assets per employee ($millions) | 3.5123% | 4,961 |
| Cash dividends to net income (ytd only)* | 60.8696% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 4,481 |
| Loan loss allowance to noncurrent loans | 38.9809% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 2.2991% | 2,783 |
| Noncurrent loans to loans | 3.6340% | 1,892 |
| Net loans and leases to total assets | 49.2634% | 5,802 |
| Net loans and leases to deposits | 58.6554% | 5,782 |
| Net loans and leases to core deposits | 62.3113% | 5,794 |
| Total domestic deposits to total assets | 83.9878% | 4,236 |
| Equity capital to assets | 9.8817% | 4,503 |
| Core capital (leverage) ratio | 8.7171% | 5,377 |
| Tier 1 risk-based capital ratio | 14.9865% | 3,668 |
| Total risk-based capital ratio | 16.2207% | 3,650 |
| Memoranda: | ||
| Average total assets | $427,917,000 | 1,533 |
| Average earning assets | $392,906,500 | 1,519 |
| Average equity | $39,617,500 | 1,707 |
| Average total loans | $212,743,250 | 1,950 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8467% | 3,881 |
| Cost of funding earning assets | 1.3068% | 1,897 |
| Net interest margin | 3.5398% | 4,974 |
| Noninterest income to average assets | 0.7941% | 2,045 |
| Noninterest expense to average assets | 2.4514% | 5,701 |
| Loan and lease loss provision to assets | 0.2440% | 3,463 |
| Net operating income to assets | 1.1119% | 1,836 |
| Return on assets (ROA) | 1.1119% | 1,924 |
| Pretax return on assets | 1.3602% | 1,919 |
| Return on Equity (ROE) | 12.2928% | 1,412 |
| Retained earnings to average equity (ytd only) | 2.9368% | 4,413 |
| Net charge-offs to loans | 0.1279% | 4,455 |
| Credit loss provision to net charge-offs | 384.4444% | 785 |
| Earnings coverage of net charge-offs (x) | 25.2741% | 1,042 |
| Efficiency ratio | 59.4714% | 5,946 |
| Assets per employee ($millions) | 3.5231% | 4,888 |
| Cash dividends to net income (ytd only)* | 76.1099% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 3,846 |
| Loan loss allowance to noncurrent loans | 121.0238% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 1.1914% | 4,508 |
| Noncurrent loans to loans | 1.2925% | 4,501 |
| Net loans and leases to total assets | 48.4628% | 5,996 |
| Net loans and leases to deposits | 57.0607% | 6,046 |
| Net loans and leases to core deposits | 60.3940% | 6,055 |
| Total domestic deposits to total assets | 84.9321% | 3,904 |
| Equity capital to assets | 9.4697% | 4,859 |
| Core capital (leverage) ratio | 8.5698% | 5,444 |
| Tier 1 risk-based capital ratio | 14.8958% | 3,554 |
| Total risk-based capital ratio | 16.1472% | 3,525 |
| Memoranda: | ||
| Average total assets | $425,381,330 | 1,553 |
| Average earning assets | $391,939,670 | 1,536 |
| Average equity | $38,477,670 | 1,745 |
| Average total loans | $211,112,000 | 1,987 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8618% | 3,765 |
| Cost of funding earning assets | 1.3430% | 1,925 |
| Net interest margin | 3.5188% | 4,921 |
| Noninterest income to average assets | 0.7137% | 2,492 |
| Noninterest expense to average assets | 2.4813% | 5,621 |
| Loan and lease loss provision to assets | 0.2495% | 3,164 |
| Net operating income to assets | 1.0303% | 2,072 |
| Return on assets (ROA) | 1.0303% | 2,120 |
| Pretax return on assets | 1.2222% | 2,303 |
| Return on Equity (ROE) | 11.6685% | 1,555 |
| Retained earnings to average equity (ytd only) | -7.6006% | 6,723 |
| Net charge-offs to loans | 0.1385% | 3,682 |
| Credit loss provision to net charge-offs | 361.6438% | 904 |
| Earnings coverage of net charge-offs (x) | 21.3288% | 1,085 |
| Efficiency ratio | 61.7647% | 5,717 |
| Assets per employee ($millions) | 3.5012% | 4,995 |
| Cash dividends to net income (ytd only)* | 165.1376% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 4,228 |
| Loan loss allowance to noncurrent loans | 104.6324% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 4,394 |
| Noncurrent loans to loans | 1.4302% | 4,324 |
| Net loans and leases to total assets | 48.0324% | 6,072 |
| Net loans and leases to deposits | 55.5084% | 6,176 |
| Net loans and leases to core deposits | 58.7453% | 6,194 |
| Total domestic deposits to total assets | 86.5318% | 3,217 |
| Equity capital to assets | 8.7616% | 5,557 |
| Core capital (leverage) ratio | 8.3779% | 5,668 |
| Tier 1 risk-based capital ratio | 14.4262% | 3,791 |
| Total risk-based capital ratio | 15.6765% | 3,746 |
| Memoranda: | ||
| Average total assets | $423,165,000 | 1,573 |
| Average earning assets | $389,570,000 | 1,556 |
| Average equity | $37,365,500 | 1,781 |
| Average total loans | $210,863,000 | 2,004 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0003% | 4,557 |
| Cost of funding earning assets | 1.6143% | 1,986 |
| Net interest margin | 3.3860% | 5,682 |
| Noninterest income to average assets | 0.8901% | 1,886 |
| Noninterest expense to average assets | 2.5054% | 5,771 |
| Loan and lease loss provision to assets | 0.3612% | 3,958 |
| Net operating income to assets | 0.9606% | 2,163 |
| Return on assets (ROA) | 0.9606% | 2,286 |
| Pretax return on assets | 1.1570% | 2,372 |
| Return on Equity (ROE) | 10.6396% | 1,713 |
| Retained earnings to average equity (ytd only) | 9.6966% | 570 |
| Net charge-offs to loans | 0.5154% | 3,554 |
| Credit loss provision to net charge-offs | 138.5261% | 2,754 |
| Earnings coverage of net charge-offs (x) | 5.8218% | 2,527 |
| Efficiency ratio | 61.2576% | 5,851 |
| Assets per employee ($millions) | 3.4643% | 5,016 |
| Cash dividends to net income (ytd only)* | 8.8630% | 3,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 4,652 |
| Loan loss allowance to noncurrent loans | 92.5071% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.3600% | 4,305 |
| Noncurrent loans to loans | 1.4819% | 4,256 |
| Net loans and leases to total assets | 50.2201% | 6,148 |
| Net loans and leases to deposits | 58.1956% | 6,236 |
| Net loans and leases to core deposits | 61.5736% | 6,268 |
| Total domestic deposits to total assets | 86.2952% | 3,203 |
| Equity capital to assets | 8.8997% | 5,280 |
| Core capital (leverage) ratio | 8.6430% | 5,118 |
| Tier 1 risk-based capital ratio | 14.5131% | 3,538 |
| Total risk-based capital ratio | 15.6967% | 3,538 |
| Memoranda: | ||
| Average total assets | $411,078,000 | 1,609 |
| Average earning assets | $380,419,000 | 1,584 |
| Average equity | $37,116,000 | 1,785 |
| Average total loans | $207,976,200 | 2,088 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 4,905 |
| Cost of funding earning assets | 1.6542% | 2,083 |
| Net interest margin | 3.3266% | 5,936 |
| Noninterest income to average assets | 0.8911% | 1,827 |
| Noninterest expense to average assets | 2.4857% | 5,761 |
| Loan and lease loss provision to assets | 0.3667% | 3,704 |
| Net operating income to assets | 0.9277% | 2,503 |
| Return on assets (ROA) | 0.9277% | 2,638 |
| Pretax return on assets | 1.1222% | 2,762 |
| Return on Equity (ROE) | 10.2366% | 2,032 |
| Retained earnings to average equity (ytd only) | 8.9778% | 1,060 |
| Net charge-offs to loans | 0.3046% | 4,148 |
| Credit loss provision to net charge-offs | 238.3475% | 1,414 |
| Earnings coverage of net charge-offs (x) | 9.6779% | 1,989 |
| Efficiency ratio | 61.5139% | 5,698 |
| Assets per employee ($millions) | 3.4346% | 5,128 |
| Cash dividends to net income (ytd only)* | 12.2981% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 4,073 |
| Loan loss allowance to noncurrent loans | 76.1790% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.3146% | 4,517 |
| Noncurrent loans to loans | 1.9360% | 3,765 |
| Net loans and leases to total assets | 51.3180% | 6,183 |
| Net loans and leases to deposits | 59.8805% | 6,324 |
| Net loans and leases to core deposits | 62.5133% | 6,411 |
| Total domestic deposits to total assets | 85.7006% | 3,240 |
| Equity capital to assets | 9.6450% | 4,629 |
| Core capital (leverage) ratio | 8.5039% | 5,498 |
| Tier 1 risk-based capital ratio | 14.2766% | 3,650 |
| Total risk-based capital ratio | 15.5272% | 3,604 |
| Memoranda: | ||
| Average total assets | $409,051,750 | 1,644 |
| Average earning assets | $379,154,750 | 1,608 |
| Average equity | $37,068,500 | 1,800 |
| Average total loans | $206,610,250 | 2,126 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9793% | 5,036 |
| Cost of funding earning assets | 1.6913% | 2,160 |
| Net interest margin | 3.2881% | 6,054 |
| Noninterest income to average assets | 0.8495% | 1,883 |
| Noninterest expense to average assets | 2.4896% | 5,748 |
| Loan and lease loss provision to assets | 0.4044% | 3,293 |
| Net operating income to assets | 0.8416% | 2,769 |
| Return on assets (ROA) | 0.8416% | 2,926 |
| Pretax return on assets | 0.9926% | 3,146 |
| Return on Equity (ROE) | 9.4930% | 2,275 |
| Retained earnings to average equity (ytd only) | 7.5579% | 1,619 |
| Net charge-offs to loans | 0.2815% | 3,930 |
| Credit loss provision to net charge-offs | 287.4564% | 1,293 |
| Earnings coverage of net charge-offs (x) | 9.9303% | 1,955 |
| Efficiency ratio | 62.9966% | 5,522 |
| Assets per employee ($millions) | 3.4280% | 5,098 |
| Cash dividends to net income (ytd only)* | 20.3844% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 4,061 |
| Loan loss allowance to noncurrent loans | 65.2900% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.4185% | 4,347 |
| Noncurrent loans to loans | 2.2538% | 3,424 |
| Net loans and leases to total assets | 49.6625% | 6,470 |
| Net loans and leases to deposits | 57.2980% | 6,632 |
| Net loans and leases to core deposits | 60.3286% | 6,690 |
| Total domestic deposits to total assets | 86.6740% | 2,720 |
| Equity capital to assets | 9.1353% | 5,241 |
| Core capital (leverage) ratio | 8.2446% | 5,866 |
| Tier 1 risk-based capital ratio | 14.0760% | 3,676 |
| Total risk-based capital ratio | 15.3265% | 3,638 |
| Memoranda: | ||
| Average total assets | $408,019,000 | 1,662 |
| Average earning assets | $376,879,670 | 1,634 |
| Average equity | $36,174,000 | 1,849 |
| Average total loans | $203,922,670 | 2,181 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9232% | 5,341 |
| Cost of funding earning assets | 1.7104% | 2,335 |
| Net interest margin | 3.2128% | 6,258 |
| Noninterest income to average assets | 0.8092% | 1,974 |
| Noninterest expense to average assets | 2.5023% | 5,721 |
| Loan and lease loss provision to assets | 0.6349% | 1,997 |
| Net operating income to assets | 0.6930% | 3,471 |
| Return on assets (ROA) | 0.6930% | 3,586 |
| Pretax return on assets | 0.6379% | 4,460 |
| Return on Equity (ROE) | 7.9388% | 2,911 |
| Retained earnings to average equity (ytd only) | 3.9919% | 3,754 |
| Net charge-offs to loans | 0.3046% | 3,197 |
| Credit loss provision to net charge-offs | 418.8312% | 986 |
| Earnings coverage of net charge-offs (x) | 8.3961% | 1,964 |
| Efficiency ratio | 65.1890% | 5,277 |
| Assets per employee ($millions) | 3.4040% | 5,281 |
| Cash dividends to net income (ytd only)* | 49.7159% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 3,950 |
| Loan loss allowance to noncurrent loans | 68.3971% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.3452% | 4,502 |
| Noncurrent loans to loans | 2.1804% | 3,559 |
| Net loans and leases to total assets | 48.5778% | 6,618 |
| Net loans and leases to deposits | 55.7815% | 6,793 |
| Net loans and leases to core deposits | 58.6604% | 6,837 |
| Total domestic deposits to total assets | 87.0858% | 2,586 |
| Equity capital to assets | 8.8060% | 5,545 |
| Core capital (leverage) ratio | 8.0803% | 6,119 |
| Tier 1 risk-based capital ratio | 13.9553% | 3,687 |
| Total risk-based capital ratio | 15.2057% | 3,649 |
| Memoranda: | ||
| Average total assets | $406,348,000 | 1,710 |
| Average earning assets | $375,122,000 | 1,685 |
| Average equity | $35,471,500 | 1,897 |
| Average total loans | $202,212,500 | 2,251 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2320% | 5,504 |
| Cost of funding earning assets | 1.9565% | 3,179 |
| Net interest margin | 3.2754% | 5,839 |
| Noninterest income to average assets | 0.8762% | 2,042 |
| Noninterest expense to average assets | 2.6669% | 5,527 |
| Loan and lease loss provision to assets | 0.3152% | 4,927 |
| Net operating income to assets | 0.7946% | 2,555 |
| Return on assets (ROA) | 0.6609% | 3,143 |
| Pretax return on assets | 0.7614% | 3,372 |
| Return on Equity (ROE) | 6.7515% | 2,890 |
| Retained earnings to average equity (ytd only) | 4.8401% | 1,907 |
| Net charge-offs to loans | 0.3625% | 4,415 |
| Credit loss provision to net charge-offs | 164.4144% | 2,653 |
| Earnings coverage of net charge-offs (x) | 6.4174% | 2,367 |
| Efficiency ratio | 68.3285% | 4,954 |
| Assets per employee ($millions) | 3.8133% | 4,254 |
| Cash dividends to net income (ytd only)* | 28.3101% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 5,125 |
| Loan loss allowance to noncurrent loans | 76.1746% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.0779% | 4,939 |
| Noncurrent loans to loans | 1.6252% | 4,207 |
| Net loans and leases to total assets | 49.5966% | 6,679 |
| Net loans and leases to deposits | 56.4691% | 6,894 |
| Net loans and leases to core deposits | 82.1725% | 5,895 |
| Total domestic deposits to total assets | 87.8297% | 2,058 |
| Equity capital to assets | 8.6518% | 5,658 |
| Core capital (leverage) ratio | 8.6443% | 5,025 |
| Tier 1 risk-based capital ratio | 13.6588% | 3,712 |
| Total risk-based capital ratio | 14.7279% | 3,783 |
| Memoranda: | ||
| Average total assets | $347,408,000 | 1,964 |
| Average earning assets | $320,415,000 | 1,945 |
| Average equity | $34,007,400 | 1,975 |
| Average total loans | $183,748,600 | 2,471 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3645% | 5,116 |
| Cost of funding earning assets | 2.0328% | 3,204 |
| Net interest margin | 3.3317% | 5,523 |
| Noninterest income to average assets | 0.9003% | 1,979 |
| Noninterest expense to average assets | 2.7074% | 5,292 |
| Loan and lease loss provision to assets | 0.2365% | 5,078 |
| Net operating income to assets | 0.8544% | 2,596 |
| Return on assets (ROA) | 0.6770% | 3,352 |
| Pretax return on assets | 0.8179% | 3,485 |
| Return on Equity (ROE) | 6.6810% | 3,226 |
| Retained earnings to average equity (ytd only) | 4.1145% | 2,978 |
| Net charge-offs to loans | 0.2533% | 4,465 |
| Credit loss provision to net charge-offs | 173.8235% | 2,668 |
| Earnings coverage of net charge-offs (x) | 9.3206% | 2,122 |
| Efficiency ratio | 68.1027% | 4,953 |
| Assets per employee ($millions) | 3.2544% | 5,510 |
| Cash dividends to net income (ytd only)* | 38.4164% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 4,740 |
| Loan loss allowance to noncurrent loans | 62.7519% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.1259% | 4,825 |
| Noncurrent loans to loans | 2.0111% | 3,627 |
| Net loans and leases to total assets | 52.9581% | 6,503 |
| Net loans and leases to deposits | 62.0680% | 6,668 |
| Net loans and leases to core deposits | 88.2094% | 5,623 |
| Total domestic deposits to total assets | 85.3228% | 3,063 |
| Equity capital to assets | 10.3655% | 3,658 |
| Core capital (leverage) ratio | 10.0736% | 3,209 |
| Tier 1 risk-based capital ratio | 16.3681% | 2,486 |
| Total risk-based capital ratio | 17.4911% | 2,481 |
| Memoranda: | ||
| Average total assets | $333,206,250 | 2,056 |
| Average earning assets | $307,542,750 | 2,046 |
| Average equity | $33,766,250 | 2,006 |
| Average total loans | $178,938,250 | 2,555 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 5,154 |
| Cost of funding earning assets | 2.0859% | 3,336 |
| Net interest margin | 3.3137% | 5,505 |
| Noninterest income to average assets | 0.8977% | 2,001 |
| Noninterest expense to average assets | 2.7241% | 5,282 |
| Loan and lease loss provision to assets | 0.2381% | 4,681 |
| Net operating income to assets | 0.7946% | 2,877 |
| Return on assets (ROA) | 0.5351% | 4,062 |
| Pretax return on assets | 0.6651% | 4,118 |
| Return on Equity (ROE) | 5.3228% | 3,948 |
| Retained earnings to average equity (ytd only) | 3.3592% | 3,454 |
| Net charge-offs to loans | 0.2532% | 3,935 |
| Credit loss provision to net charge-offs | 175.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 9.0223% | 2,185 |
| Efficiency ratio | 68.9364% | 4,989 |
| Assets per employee ($millions) | 3.1587% | 5,699 |
| Cash dividends to net income (ytd only)* | 36.8899% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 4,466 |
| Loan loss allowance to noncurrent loans | 63.5082% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.1113% | 4,731 |
| Noncurrent loans to loans | 2.0000% | 3,523 |
| Net loans and leases to total assets | 52.2804% | 6,645 |
| Net loans and leases to deposits | 60.0313% | 6,887 |
| Net loans and leases to core deposits | 84.3776% | 6,065 |
| Total domestic deposits to total assets | 87.0886% | 2,209 |
| Equity capital to assets | 9.9021% | 4,081 |
| Core capital (leverage) ratio | 10.8993% | 2,485 |
| Tier 1 risk-based capital ratio | 16.5199% | 2,441 |
| Total risk-based capital ratio | 17.6289% | 2,439 |
| Memoranda: | ||
| Average total assets | $329,287,330 | 2,102 |
| Average earning assets | $303,464,670 | 2,092 |
| Average equity | $33,102,670 | 2,052 |
| Average total loans | $176,910,670 | 2,616 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4563% | 5,139 |
| Cost of funding earning assets | 2.1207% | 3,557 |
| Net interest margin | 3.3356% | 5,382 |
| Noninterest income to average assets | 0.8526% | 2,072 |
| Noninterest expense to average assets | 2.6400% | 5,267 |
| Loan and lease loss provision to assets | 0.2352% | 4,100 |
| Net operating income to assets | 0.8922% | 2,729 |
| Return on assets (ROA) | 0.9004% | 2,857 |
| Pretax return on assets | 1.0682% | 3,111 |
| Return on Equity (ROE) | 8.8885% | 2,767 |
| Retained earnings to average equity (ytd only) | 4.9582% | 3,152 |
| Net charge-offs to loans | 0.3010% | 2,907 |
| Credit loss provision to net charge-offs | 144.3609% | 2,850 |
| Earnings coverage of net charge-offs (x) | 7.9398% | 2,272 |
| Efficiency ratio | 67.1130% | 5,122 |
| Assets per employee ($millions) | 3.1471% | 5,746 |
| Cash dividends to net income (ytd only)* | 44.2177% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 4,608 |
| Loan loss allowance to noncurrent loans | 73.4659% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 4,863 |
| Noncurrent loans to loans | 1.6701% | 3,762 |
| Net loans and leases to total assets | 51.7154% | 6,713 |
| Net loans and leases to deposits | 59.1533% | 6,960 |
| Net loans and leases to core deposits | 81.5163% | 6,263 |
| Total domestic deposits to total assets | 87.4261% | 2,007 |
| Equity capital to assets | 10.0438% | 3,955 |
| Core capital (leverage) ratio | 10.2490% | 3,154 |
| Tier 1 risk-based capital ratio | 16.7879% | 2,412 |
| Total risk-based capital ratio | 17.8650% | 2,402 |
| Memoranda: | ||
| Average total assets | $326,517,500 | 2,130 |
| Average earning assets | $301,594,000 | 2,117 |
| Average equity | $33,076,500 | 2,049 |
| Average total loans | $176,715,500 | 2,633 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2642% | 4,160 |
| Cost of funding earning assets | 2.7430% | 2,960 |
| Net interest margin | 3.5212% | 5,226 |
| Noninterest income to average assets | 0.9716% | 1,685 |
| Noninterest expense to average assets | 2.7009% | 5,263 |
| Loan and lease loss provision to assets | 0.2594% | 4,328 |
| Net operating income to assets | 1.0120% | 2,502 |
| Return on assets (ROA) | 1.0138% | 2,384 |
| Pretax return on assets | 1.2654% | 2,423 |
| Return on Equity (ROE) | 10.3850% | 2,131 |
| Retained earnings to average equity (ytd only) | 9.4346% | 531 |
| Net charge-offs to loans | 0.4214% | 2,712 |
| Credit loss provision to net charge-offs | 118.4136% | 4,548 |
| Earnings coverage of net charge-offs (x) | 6.9504% | 3,226 |
| Efficiency ratio | 63.7499% | 5,617 |
| Assets per employee ($millions) | 3.0136% | 6,027 |
| Cash dividends to net income (ytd only)* | 9.1521% | 4,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 4,809 |
| Loan loss allowance to noncurrent loans | 73.6656% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 0.9363% | 4,487 |
| Noncurrent loans to loans | 1.5825% | 3,404 |
| Net loans and leases to total assets | 55.3104% | 6,519 |
| Net loans and leases to deposits | 63.1057% | 6,869 |
| Net loans and leases to core deposits | 87.8524% | 5,989 |
| Total domestic deposits to total assets | 87.6474% | 1,640 |
| Equity capital to assets | 10.2202% | 3,781 |
| Core capital (leverage) ratio | 10.0486% | 3,401 |
| Tier 1 risk-based capital ratio | 16.6341% | 2,438 |
| Total risk-based capital ratio | 17.6848% | 2,446 |
| Memoranda: | ||
| Average total assets | $322,261,000 | 2,072 |
| Average earning assets | $297,628,600 | 2,058 |
| Average equity | $31,458,800 | 2,147 |
| Average total loans | $167,546,200 | 2,653 |