Home > Citizens Bank of Las Cruces > Performance and Condition Ratios
Citizens Bank of Las Cruces, 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 | 4.9791% | 2,110 |
| Cost of funding earning assets | 1.2397% | 2,696 |
| Net interest margin | 3.7394% | 1,673 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.2649% | 2,944 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.7908% | 624 |
| Return on assets (ROA) | 1.7642% | 615 |
| Pretax return on assets | 1.7642% | 935 |
| Return on Equity (ROE) | 24.7500% | 321 |
| Retained earnings to average equity (ytd only) | 11.8459% | 650 |
| Net charge-offs to loans | 0.0006% | 2,877 |
| Credit loss provision to net charge-offs | 15,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 4,656.0000% | 16 |
| Efficiency ratio | 55.0351% | 3,597 |
| Assets per employee ($millions) | 7.6284% | 1,640 |
| Cash dividends to net income (ytd only)* | 52.1401% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 1,292 |
| Loan loss allowance to noncurrent loans | 498,050.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 3,867 |
| Noncurrent loans to loans | 0.0003% | 3,814 |
| Net loans and leases to total assets | 68.9400% | 1,930 |
| Net loans and leases to deposits | 79.2353% | 2,167 |
| Net loans and leases to core deposits | 80.6530% | 2,671 |
| Total domestic deposits to total assets | 87.0000% | 1,682 |
| Equity capital to assets | 8.8130% | 2,811 |
| Core capital (leverage) ratio | 10.2235% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8271% | 1,927 |
| Memoranda: | ||
| Average total assets | $1,006,458,200 | 980 |
| Average earning assets | $956,862,800 | 946 |
| Average equity | $71,737,600 | 1,226 |
| Average total loans | $660,176,000 | 1,014 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8448% | 2,173 |
| Cost of funding earning assets | 1.1686% | 2,533 |
| Net interest margin | 3.6763% | 1,833 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.2720% | 2,882 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.7415% | 741 |
| Return on assets (ROA) | 1.7415% | 727 |
| Pretax return on assets | 1.7415% | 1,101 |
| Return on Equity (ROE) | 25.9500% | 355 |
| Retained earnings to average equity (ytd only) | 15.5827% | 503 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.7825% | 3,415 |
| Assets per employee ($millions) | 7.8070% | 1,446 |
| Cash dividends to net income (ytd only)* | 39.9575% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 1,211 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 65.0200% | 2,343 |
| Net loans and leases to deposits | 77.4572% | 2,291 |
| Net loans and leases to core deposits | 78.9346% | 2,681 |
| Total domestic deposits to total assets | 83.9400% | 2,794 |
| Equity capital to assets | 6.9394% | 3,644 |
| Core capital (leverage) ratio | 9.0539% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7399% | 2,369 |
| Memoranda: | ||
| Average total assets | $1,008,244,250 | 979 |
| Average earning assets | $957,391,500 | 944 |
| Average equity | $67,654,500 | 1,273 |
| Average total loans | $650,506,750 | 1,022 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7008% | 2,201 |
| Cost of funding earning assets | 1.0618% | 2,412 |
| Net interest margin | 3.6389% | 1,947 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.2743% | 2,881 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.7367% | 730 |
| Return on assets (ROA) | 1.7367% | 734 |
| Pretax return on assets | 1.7367% | 1,139 |
| Return on Equity (ROE) | 26.1800% | 326 |
| Retained earnings to average equity (ytd only) | 15.3574% | 532 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.8703% | 3,438 |
| Assets per employee ($millions) | 7.9828% | 1,328 |
| Cash dividends to net income (ytd only)* | 41.3462% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 1,333 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 64.0900% | 2,374 |
| Net loans and leases to deposits | 77.0169% | 2,215 |
| Net loans and leases to core deposits | 78.9297% | 2,547 |
| Total domestic deposits to total assets | 83.2100% | 2,999 |
| Equity capital to assets | 6.7556% | 3,896 |
| Core capital (leverage) ratio | 8.7711% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3940% | 2,507 |
| Memoranda: | ||
| Average total assets | $1,006,023,667 | 971 |
| Average earning assets | $956,655,667 | 931 |
| Average equity | $66,730,000 | 1,285 |
| Average total loans | $644,118,000 | 1,015 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 2,171 |
| Cost of funding earning assets | 0.8341% | 2,584 |
| Net interest margin | 3.7240% | 1,839 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.2746% | 2,884 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.8599% | 607 |
| Return on assets (ROA) | 1.8599% | 597 |
| Pretax return on assets | 1.8599% | 970 |
| Return on Equity (ROE) | 28.3100% | 276 |
| Retained earnings to average equity (ytd only) | 19.0178% | 435 |
| Net charge-offs to loans | -0.0006% | 3,285 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.2276% | 3,578 |
| Assets per employee ($millions) | 8.1363% | 1,274 |
| Cash dividends to net income (ytd only)* | 32.8162% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 1,483 |
| Loan loss allowance to noncurrent loans | 951,600.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 3,956 |
| Noncurrent loans to loans | 0.0002% | 3,886 |
| Net loans and leases to total assets | 63.7900% | 2,268 |
| Net loans and leases to deposits | 76.1456% | 2,100 |
| Net loans and leases to core deposits | 77.7193% | 2,408 |
| Total domestic deposits to total assets | 83.7700% | 3,134 |
| Equity capital to assets | 6.6926% | 3,967 |
| Core capital (leverage) ratio | 8.8227% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1790% | 2,667 |
| Memoranda: | ||
| Average total assets | $998,134,000 | 994 |
| Average earning assets | $949,524,500 | 955 |
| Average equity | $65,580,500 | 1,307 |
| Average total loans | $633,911,500 | 1,037 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8043% | 1,750 |
| Cost of funding earning assets | 0.1491% | 3,850 |
| Net interest margin | 3.6551% | 1,256 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.3523% | 2,464 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.9908% | 289 |
| Return on assets (ROA) | 1.9908% | 289 |
| Pretax return on assets | 1.9908% | 476 |
| Return on Equity (ROE) | 26.4600% | 149 |
| Retained earnings to average equity (ytd only) | 13.7125% | 507 |
| Net charge-offs to loans | -0.0015% | 3,222 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.5232% | 3,862 |
| Assets per employee ($millions) | 7.4564% | 1,644 |
| Cash dividends to net income (ytd only)* | 48.1712% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 1,035 |
| Loan loss allowance to noncurrent loans | 231,175.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,044 |
| Noncurrent loans to loans | 0.0007% | 3,984 |
| Net loans and leases to total assets | 60.3700% | 2,461 |
| Net loans and leases to deposits | 65.9455% | 2,724 |
| Net loans and leases to core deposits | 67.3393% | 2,854 |
| Total domestic deposits to total assets | 91.5400% | 1,032 |
| Equity capital to assets | 6.7523% | 3,637 |
| Core capital (leverage) ratio | 9.2602% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6795% | 2,179 |
| Memoranda: | ||
| Average total assets | $926,484,000 | 1,057 |
| Average earning assets | $887,019,500 | 1,020 |
| Average equity | $69,715,500 | 1,267 |
| Average total loans | $540,216,750 | 1,113 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 1,692 |
| Cost of funding earning assets | 0.1404% | 3,705 |
| Net interest margin | 3.5072% | 1,295 |
| Noninterest income to average assets | 0.9437% | 759 |
| Noninterest expense to average assets | 2.3121% | 2,513 |
| Loan and lease loss provision to assets | 0.0519% | 1,650 |
| Net operating income to assets | 1.9396% | 254 |
| Return on assets (ROA) | 1.9396% | 252 |
| Pretax return on assets | 1.9396% | 433 |
| Return on Equity (ROE) | 24.9168% | 113 |
| Retained earnings to average equity (ytd only) | 12.2819% | 564 |
| Net charge-offs to loans | -0.0004% | 2,976 |
| Credit loss provision to net charge-offs | -24,000.0000% | 3,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7244% | 3,989 |
| Assets per employee ($millions) | 7.5689% | 1,567 |
| Cash dividends to net income (ytd only)* | 50.7082% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7266% | 920 |
| Loan loss allowance to noncurrent loans | 41,472.7273% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 4,044 |
| Noncurrent loans to loans | 0.0042% | 3,967 |
| Net loans and leases to total assets | 56.2398% | 2,728 |
| Net loans and leases to deposits | 60.7387% | 2,997 |
| Net loans and leases to core deposits | 62.2004% | 3,098 |
| Total domestic deposits to total assets | 92.5930% | 620 |
| Equity capital to assets | 6.8836% | 3,828 |
| Core capital (leverage) ratio | 8.9846% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3029% | 1,938 |
| Memoranda: | ||
| Average total assets | $924,630,000 | 1,056 |
| Average earning assets | $885,790,000 | 1,027 |
| Average equity | $71,975,667 | 1,267 |
| Average total loans | $529,659,000 | 1,124 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5495% | 1,643 |
| Cost of funding earning assets | 0.1345% | 3,708 |
| Net interest margin | 3.4150% | 1,270 |
| Noninterest income to average assets | 0.8806% | 866 |
| Noninterest expense to average assets | 2.2446% | 2,707 |
| Loan and lease loss provision to assets | 0.0519% | 1,449 |
| Net operating income to assets | 1.8551% | 295 |
| Return on assets (ROA) | 1.8551% | 296 |
| Pretax return on assets | 1.8551% | 486 |
| Return on Equity (ROE) | 22.5304% | 142 |
| Retained earnings to average equity (ytd only) | 8.2067% | 1,518 |
| Net charge-offs to loans | 0.0015% | 1,781 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 2,205.5000% | 24 |
| Efficiency ratio | 54.0664% | 4,046 |
| Assets per employee ($millions) | 8.0119% | 1,353 |
| Cash dividends to net income (ytd only)* | 63.5749% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 1,066 |
| Loan loss allowance to noncurrent loans | 28,125.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,067 |
| Noncurrent loans to loans | 0.0060% | 3,986 |
| Net loans and leases to total assets | 55.2193% | 2,607 |
| Net loans and leases to deposits | 60.3032% | 2,877 |
| Net loans and leases to core deposits | 61.5742% | 3,012 |
| Total domestic deposits to total assets | 91.5695% | 767 |
| Equity capital to assets | 7.6895% | 3,805 |
| Core capital (leverage) ratio | 8.8861% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3424% | 2,058 |
| Memoranda: | ||
| Average total assets | $925,241,500 | 1,058 |
| Average earning assets | $886,206,000 | 1,028 |
| Average equity | $76,181,500 | 1,241 |
| Average total loans | $530,265,500 | 1,114 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 2,493 |
| Cost of funding earning assets | 0.1542% | 3,926 |
| Net interest margin | 3.4036% | 2,015 |
| Noninterest income to average assets | 1.1228% | 834 |
| Noninterest expense to average assets | 2.4273% | 2,404 |
| Loan and lease loss provision to assets | 0.0636% | 1,798 |
| Net operating income to assets | 1.8752% | 433 |
| Return on assets (ROA) | 2.1336% | 288 |
| Pretax return on assets | 2.1336% | 466 |
| Return on Equity (ROE) | 23.0206% | 173 |
| Retained earnings to average equity (ytd only) | 7.6735% | 1,667 |
| Net charge-offs to loans | -0.0004% | 3,217 |
| Credit loss provision to net charge-offs | -27,000.0000% | 4,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5936% | 3,745 |
| Assets per employee ($millions) | 7.7357% | 1,477 |
| Cash dividends to net income (ytd only)* | 66.6667% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 1,099 |
| Loan loss allowance to noncurrent loans | 34,161.5385% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,156 |
| Noncurrent loans to loans | 0.0049% | 4,082 |
| Net loans and leases to total assets | 57.5203% | 2,423 |
| Net loans and leases to deposits | 63.4920% | 2,734 |
| Net loans and leases to core deposits | 64.9039% | 2,909 |
| Total domestic deposits to total assets | 90.5945% | 677 |
| Equity capital to assets | 8.8022% | 3,804 |
| Core capital (leverage) ratio | 9.0758% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7111% | 1,968 |
| Memoranda: | ||
| Average total assets | $848,585,000 | 1,091 |
| Average earning assets | $808,633,600 | 1,073 |
| Average equity | $78,647,000 | 1,221 |
| Average total loans | $511,167,200 | 1,143 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6508% | 2,415 |
| Cost of funding earning assets | 0.1572% | 4,040 |
| Net interest margin | 3.4937% | 1,876 |
| Noninterest income to average assets | 1.1646% | 846 |
| Noninterest expense to average assets | 2.4231% | 2,362 |
| Loan and lease loss provision to assets | 0.0647% | 1,705 |
| Net operating income to assets | 2.0016% | 464 |
| Return on assets (ROA) | 2.3518% | 267 |
| Pretax return on assets | 2.3518% | 425 |
| Return on Equity (ROE) | 25.0342% | 175 |
| Retained earnings to average equity (ytd only) | 12.5349% | 718 |
| Net charge-offs to loans | -0.0003% | 3,066 |
| Credit loss provision to net charge-offs | -40,500.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9737% | 3,818 |
| Assets per employee ($millions) | 7.7889% | 1,387 |
| Cash dividends to net income (ytd only)* | 49.9287% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7641% | 994 |
| Loan loss allowance to noncurrent loans | 29,150.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 4,202 |
| Noncurrent loans to loans | 0.0061% | 4,163 |
| Net loans and leases to total assets | 54.8451% | 2,869 |
| Net loans and leases to deposits | 60.7705% | 3,161 |
| Net loans and leases to core deposits | 62.0899% | 3,313 |
| Total domestic deposits to total assets | 90.2495% | 657 |
| Equity capital to assets | 9.2258% | 3,628 |
| Core capital (leverage) ratio | 9.3885% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1125% | 1,585 |
| Memoranda: | ||
| Average total assets | $834,462,750 | 1,122 |
| Average earning assets | $794,100,250 | 1,105 |
| Average equity | $78,392,250 | 1,243 |
| Average total loans | $506,588,250 | 1,172 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7367% | 2,240 |
| Cost of funding earning assets | 0.1581% | 4,139 |
| Net interest margin | 3.5786% | 1,640 |
| Noninterest income to average assets | 1.1682% | 842 |
| Noninterest expense to average assets | 2.4297% | 2,367 |
| Loan and lease loss provision to assets | 0.0661% | 1,722 |
| Net operating income to assets | 2.0766% | 423 |
| Return on assets (ROA) | 2.0766% | 441 |
| Pretax return on assets | 2.0766% | 709 |
| Return on Equity (ROE) | 21.9616% | 320 |
| Retained earnings to average equity (ytd only) | 7.0710% | 2,405 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1387% | 3,911 |
| Assets per employee ($millions) | 7.7891% | 1,313 |
| Cash dividends to net income (ytd only)* | 67.8028% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6636% | 1,138 |
| Loan loss allowance to noncurrent loans | 5,663.8158% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 4,127 |
| Noncurrent loans to loans | 0.0294% | 4,060 |
| Net loans and leases to total assets | 58.3345% | 2,622 |
| Net loans and leases to deposits | 64.6280% | 2,934 |
| Net loans and leases to core deposits | 65.8597% | 3,123 |
| Total domestic deposits to total assets | 90.2620% | 665 |
| Equity capital to assets | 9.0239% | 3,773 |
| Core capital (leverage) ratio | 9.3644% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1409% | 1,929 |
| Memoranda: | ||
| Average total assets | $816,639,667 | 1,131 |
| Average earning assets | $776,833,333 | 1,123 |
| Average equity | $77,216,667 | 1,251 |
| Average total loans | $510,207,000 | 1,164 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 1,900 |
| Cost of funding earning assets | 0.1611% | 4,233 |
| Net interest margin | 3.7111% | 1,310 |
| Noninterest income to average assets | 1.2703% | 780 |
| Noninterest expense to average assets | 2.5194% | 2,123 |
| Loan and lease loss provision to assets | 0.0685% | 1,782 |
| Net operating income to assets | 2.2110% | 408 |
| Return on assets (ROA) | 2.2110% | 443 |
| Pretax return on assets | 2.2110% | 677 |
| Return on Equity (ROE) | 22.8083% | 345 |
| Retained earnings to average equity (ytd only) | 3.6933% | 3,594 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4992% | 3,956 |
| Assets per employee ($millions) | 7.3470% | 1,562 |
| Cash dividends to net income (ytd only)* | 83.8073% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 1,107 |
| Loan loss allowance to noncurrent loans | 5,230.8642% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 4,191 |
| Noncurrent loans to loans | 0.0320% | 4,122 |
| Net loans and leases to total assets | 61.0399% | 2,400 |
| Net loans and leases to deposits | 68.0032% | 2,706 |
| Net loans and leases to core deposits | 69.3120% | 2,927 |
| Total domestic deposits to total assets | 89.7604% | 926 |
| Equity capital to assets | 9.3069% | 3,382 |
| Core capital (leverage) ratio | 9.6531% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5981% | 1,706 |
| Memoranda: | ||
| Average total assets | $788,770,000 | 1,161 |
| Average earning assets | $749,960,500 | 1,140 |
| Average equity | $76,463,500 | 1,257 |
| Average total loans | $506,557,000 | 1,171 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 1,599 |
| Cost of funding earning assets | 0.2363% | 4,436 |
| Net interest margin | 4.1611% | 701 |
| Noninterest income to average assets | 1.2424% | 727 |
| Noninterest expense to average assets | 2.8149% | 1,903 |
| Loan and lease loss provision to assets | 0.0779% | 3,405 |
| Net operating income to assets | 2.2833% | 169 |
| Return on assets (ROA) | 2.8850% | 105 |
| Pretax return on assets | 2.8850% | 131 |
| Return on Equity (ROE) | 27.4363% | 83 |
| Retained earnings to average equity (ytd only) | 14.2647% | 180 |
| Net charge-offs to loans | 0.0035% | 3,251 |
| Credit loss provision to net charge-offs | 3,176.4706% | 314 |
| Earnings coverage of net charge-offs (x) | 963.1176% | 123 |
| Efficiency ratio | 54.3826% | 4,169 |
| Assets per employee ($millions) | 6.8038% | 1,707 |
| Cash dividends to net income (ytd only)* | 48.0080% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 1,179 |
| Loan loss allowance to noncurrent loans | 22,537.8378% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 4,332 |
| Noncurrent loans to loans | 0.0073% | 4,363 |
| Net loans and leases to total assets | 65.4193% | 2,167 |
| Net loans and leases to deposits | 73.4530% | 2,540 |
| Net loans and leases to core deposits | 74.8579% | 2,832 |
| Total domestic deposits to total assets | 89.0628% | 959 |
| Equity capital to assets | 10.1083% | 3,023 |
| Core capital (leverage) ratio | 9.9081% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0782% | 1,500 |
| Memoranda: | ||
| Average total assets | $693,422,600 | 1,192 |
| Average earning assets | $655,530,200 | 1,172 |
| Average equity | $72,914,400 | 1,252 |
| Average total loans | $486,951,200 | 1,166 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 1,612 |
| Cost of funding earning assets | 0.2588% | 4,481 |
| Net interest margin | 4.2258% | 692 |
| Noninterest income to average assets | 1.1813% | 761 |
| Noninterest expense to average assets | 2.8211% | 1,914 |
| Loan and lease loss provision to assets | 0.0798% | 3,317 |
| Net operating income to assets | 2.2688% | 185 |
| Return on assets (ROA) | 3.0914% | 90 |
| Pretax return on assets | 3.0914% | 116 |
| Return on Equity (ROE) | 29.0823% | 71 |
| Retained earnings to average equity (ytd only) | 17.6033% | 115 |
| Net charge-offs to loans | 0.0011% | 3,191 |
| Credit loss provision to net charge-offs | 10,125.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 2,978.2500% | 28 |
| Efficiency ratio | 54.5687% | 4,089 |
| Assets per employee ($millions) | 6.4701% | 1,859 |
| Cash dividends to net income (ytd only)* | 39.4707% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 1,215 |
| Loan loss allowance to noncurrent loans | 20,041.4634% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,386 |
| Noncurrent loans to loans | 0.0078% | 4,418 |
| Net loans and leases to total assets | 69.8709% | 1,968 |
| Net loans and leases to deposits | 78.4223% | 2,495 |
| Net loans and leases to core deposits | 79.9884% | 2,845 |
| Total domestic deposits to total assets | 89.0957% | 730 |
| Equity capital to assets | 10.2772% | 2,983 |
| Core capital (leverage) ratio | 10.2113% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0112% | 1,493 |
| Memoranda: | ||
| Average total assets | $676,273,250 | 1,197 |
| Average earning assets | $638,282,000 | 1,180 |
| Average equity | $71,886,250 | 1,254 |
| Average total loans | $481,977,250 | 1,170 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7140% | 1,373 |
| Cost of funding earning assets | 0.3013% | 4,479 |
| Net interest margin | 4.4127% | 599 |
| Noninterest income to average assets | 1.1400% | 769 |
| Noninterest expense to average assets | 2.8800% | 1,879 |
| Loan and lease loss provision to assets | 0.0826% | 3,250 |
| Net operating income to assets | 2.3314% | 180 |
| Return on assets (ROA) | 3.6079% | 61 |
| Pretax return on assets | 3.6079% | 73 |
| Return on Equity (ROE) | 33.5197% | 49 |
| Retained earnings to average equity (ytd only) | 21.8282% | 70 |
| Net charge-offs to loans | 0.0069% | 2,714 |
| Credit loss provision to net charge-offs | 1,687.5000% | 557 |
| Earnings coverage of net charge-offs (x) | 493.1250% | 209 |
| Efficiency ratio | 54.4010% | 4,131 |
| Assets per employee ($millions) | 6.1935% | 2,030 |
| Cash dividends to net income (ytd only)* | 34.8796% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 1,062 |
| Loan loss allowance to noncurrent loans | 17,933.3333% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 4,443 |
| Noncurrent loans to loans | 0.0088% | 4,484 |
| Net loans and leases to total assets | 71.3461% | 1,825 |
| Net loans and leases to deposits | 80.4465% | 2,377 |
| Net loans and leases to core deposits | 82.2944% | 2,756 |
| Total domestic deposits to total assets | 88.6877% | 872 |
| Equity capital to assets | 10.5692% | 2,688 |
| Core capital (leverage) ratio | 10.2957% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9336% | 1,505 |
| Memoranda: | ||
| Average total assets | $653,677,333 | 1,205 |
| Average earning assets | $615,354,333 | 1,199 |
| Average equity | $70,358,667 | 1,260 |
| Average total loans | $466,603,333 | 1,181 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8581% | 1,291 |
| Cost of funding earning assets | 0.3659% | 4,471 |
| Net interest margin | 4.4922% | 509 |
| Noninterest income to average assets | 1.1462% | 666 |
| Noninterest expense to average assets | 3.0197% | 1,843 |
| Loan and lease loss provision to assets | 0.0861% | 2,613 |
| Net operating income to assets | 2.2509% | 166 |
| Return on assets (ROA) | 2.2509% | 184 |
| Pretax return on assets | 2.2509% | 263 |
| Return on Equity (ROE) | 20.7019% | 141 |
| Retained earnings to average equity (ytd only) | 8.6595% | 1,066 |
| Net charge-offs to loans | -0.0081% | 4,004 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3727% | 4,177 |
| Assets per employee ($millions) | 5.6266% | 1,997 |
| Cash dividends to net income (ytd only)* | 58.1705% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7710% | 754 |
| Loan loss allowance to noncurrent loans | 1,374.9568% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 4,081 |
| Noncurrent loans to loans | 0.1288% | 4,002 |
| Net loans and leases to total assets | 68.8393% | 2,416 |
| Net loans and leases to deposits | 78.0149% | 2,887 |
| Net loans and leases to core deposits | 79.8332% | 3,211 |
| Total domestic deposits to total assets | 88.2387% | 999 |
| Equity capital to assets | 10.9043% | 2,944 |
| Core capital (leverage) ratio | 10.5108% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8572% | 2,346 |
| Memoranda: | ||
| Average total assets | $627,485,000 | 1,221 |
| Average earning assets | $588,133,000 | 1,209 |
| Average equity | $68,225,500 | 1,289 |
| Average total loans | $443,996,000 | 1,200 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9470% | 1,617 |
| Cost of funding earning assets | 0.3786% | 4,512 |
| Net interest margin | 4.5684% | 613 |
| Noninterest income to average assets | 1.1426% | 717 |
| Noninterest expense to average assets | 2.9841% | 2,058 |
| Loan and lease loss provision to assets | 0.1226% | 1,728 |
| Net operating income to assets | 2.3230% | 179 |
| Return on assets (ROA) | 2.3226% | 190 |
| Pretax return on assets | 2.3226% | 294 |
| Return on Equity (ROE) | 22.1615% | 134 |
| Retained earnings to average equity (ytd only) | 11.0174% | 330 |
| Net charge-offs to loans | 0.0007% | 3,704 |
| Credit loss provision to net charge-offs | 24,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 4,788.0000% | 9 |
| Efficiency ratio | 54.9591% | 4,325 |
| Assets per employee ($millions) | 5.4296% | 2,129 |
| Cash dividends to net income (ytd only)* | 50.2859% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7825% | 679 |
| Loan loss allowance to noncurrent loans | 1,364.0489% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 4,072 |
| Noncurrent loans to loans | 0.1307% | 3,995 |
| Net loans and leases to total assets | 70.1925% | 2,371 |
| Net loans and leases to deposits | 79.5393% | 2,827 |
| Net loans and leases to core deposits | 81.7122% | 3,154 |
| Total domestic deposits to total assets | 88.2487% | 1,002 |
| Equity capital to assets | 10.8400% | 3,148 |
| Core capital (leverage) ratio | 10.4411% | 3,018 |
| Tier 1 risk-based capital ratio | 12.6475% | 3,976 |
| Total risk-based capital ratio | 13.9010% | 3,861 |
| Memoranda: | ||
| Average total assets | $587,350,800 | 1,240 |
| Average earning assets | $551,179,400 | 1,232 |
| Average equity | $61,557,200 | 1,359 |
| Average total loans | $410,975,800 | 1,242 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9289% | 1,732 |
| Cost of funding earning assets | 0.3701% | 4,599 |
| Net interest margin | 4.5588% | 674 |
| Noninterest income to average assets | 1.1423% | 699 |
| Noninterest expense to average assets | 3.0015% | 1,977 |
| Loan and lease loss provision to assets | 0.1240% | 1,572 |
| Net operating income to assets | 2.2919% | 223 |
| Return on assets (ROA) | 2.2915% | 236 |
| Pretax return on assets | 2.2915% | 377 |
| Return on Equity (ROE) | 22.0642% | 161 |
| Retained earnings to average equity (ytd only) | 10.4729% | 634 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4049% | 4,233 |
| Assets per employee ($millions) | 5.4166% | 2,109 |
| Cash dividends to net income (ytd only)* | 52.5346% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8091% | 664 |
| Loan loss allowance to noncurrent loans | 1,166.2595% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 4,083 |
| Noncurrent loans to loans | 0.1551% | 3,982 |
| Net loans and leases to total assets | 67.7400% | 2,824 |
| Net loans and leases to deposits | 76.4524% | 3,255 |
| Net loans and leases to core deposits | 78.2454% | 3,531 |
| Total domestic deposits to total assets | 88.6041% | 782 |
| Equity capital to assets | 10.5666% | 3,489 |
| Core capital (leverage) ratio | 10.4979% | 3,102 |
| Tier 1 risk-based capital ratio | 12.8502% | 3,932 |
| Total risk-based capital ratio | 14.1043% | 3,824 |
| Memoranda: | ||
| Average total assets | $580,802,750 | 1,255 |
| Average earning assets | $544,667,250 | 1,247 |
| Average equity | $60,319,500 | 1,377 |
| Average total loans | $404,100,500 | 1,266 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 1,614 |
| Cost of funding earning assets | 0.3582% | 4,660 |
| Net interest margin | 4.5921% | 629 |
| Noninterest income to average assets | 1.1056% | 698 |
| Noninterest expense to average assets | 3.0359% | 1,901 |
| Loan and lease loss provision to assets | 0.1262% | 1,475 |
| Net operating income to assets | 2.2455% | 239 |
| Return on assets (ROA) | 2.2455% | 249 |
| Pretax return on assets | 2.2455% | 404 |
| Return on Equity (ROE) | 21.7574% | 171 |
| Retained earnings to average equity (ytd only) | 10.8549% | 570 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1406% | 4,230 |
| Assets per employee ($millions) | 5.1511% | 2,302 |
| Cash dividends to net income (ytd only)* | 50.1093% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 609 |
| Loan loss allowance to noncurrent loans | 1,052.0451% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1524% | 4,000 |
| Noncurrent loans to loans | 0.1770% | 3,923 |
| Net loans and leases to total assets | 68.1566% | 2,791 |
| Net loans and leases to deposits | 77.0884% | 3,239 |
| Net loans and leases to core deposits | 79.2542% | 3,482 |
| Total domestic deposits to total assets | 88.4135% | 915 |
| Equity capital to assets | 10.8293% | 3,242 |
| Core capital (leverage) ratio | 10.7286% | 2,866 |
| Tier 1 risk-based capital ratio | 12.8513% | 3,912 |
| Total risk-based capital ratio | 14.1053% | 3,818 |
| Memoranda: | ||
| Average total assets | $570,377,000 | 1,278 |
| Average earning assets | $534,356,670 | 1,266 |
| Average equity | $58,867,330 | 1,392 |
| Average total loans | $398,046,670 | 1,280 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9830% | 1,373 |
| Cost of funding earning assets | 0.3453% | 4,695 |
| Net interest margin | 4.6377% | 565 |
| Noninterest income to average assets | 1.0778% | 690 |
| Noninterest expense to average assets | 3.0379% | 1,883 |
| Loan and lease loss provision to assets | 0.1270% | 1,380 |
| Net operating income to assets | 2.2514% | 248 |
| Return on assets (ROA) | 2.2514% | 257 |
| Pretax return on assets | 2.2514% | 397 |
| Return on Equity (ROE) | 22.3755% | 166 |
| Retained earnings to average equity (ytd only) | 13.8515% | 366 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0880% | 4,323 |
| Assets per employee ($millions) | 4.9943% | 2,526 |
| Cash dividends to net income (ytd only)* | 38.0952% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8464% | 648 |
| Loan loss allowance to noncurrent loans | 1,026.5162% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 4,018 |
| Noncurrent loans to loans | 0.1799% | 3,949 |
| Net loans and leases to total assets | 67.3619% | 2,849 |
| Net loans and leases to deposits | 75.7704% | 3,284 |
| Net loans and leases to core deposits | 77.5890% | 3,551 |
| Total domestic deposits to total assets | 88.9026% | 906 |
| Equity capital to assets | 10.2426% | 3,581 |
| Core capital (leverage) ratio | 10.4054% | 3,155 |
| Tier 1 risk-based capital ratio | 12.7181% | 4,030 |
| Total risk-based capital ratio | 13.9718% | 3,925 |
| Memoranda: | ||
| Average total assets | $567,104,000 | 1,287 |
| Average earning assets | $530,521,500 | 1,273 |
| Average equity | $57,062,500 | 1,416 |
| Average total loans | $396,735,000 | 1,287 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 1,400 |
| Cost of funding earning assets | 0.2651% | 4,736 |
| Net interest margin | 4.5920% | 615 |
| Noninterest income to average assets | 1.2192% | 622 |
| Noninterest expense to average assets | 3.0475% | 1,942 |
| Loan and lease loss provision to assets | 0.1313% | 1,670 |
| Net operating income to assets | 2.3417% | 200 |
| Return on assets (ROA) | 2.3413% | 194 |
| Pretax return on assets | 2.3413% | 279 |
| Return on Equity (ROE) | 23.8445% | 106 |
| Retained earnings to average equity (ytd only) | 8.3777% | 1,094 |
| Net charge-offs to loans | 0.0156% | 3,166 |
| Credit loss provision to net charge-offs | 1,200.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 226.0667% | 413 |
| Efficiency ratio | 55.2033% | 4,494 |
| Assets per employee ($millions) | 5.1839% | 2,282 |
| Cash dividends to net income (ytd only)* | 64.8653% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7778% | 710 |
| Loan loss allowance to noncurrent loans | 5,034.7518% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 4,514 |
| Noncurrent loans to loans | 0.0353% | 4,613 |
| Net loans and leases to total assets | 70.0534% | 2,555 |
| Net loans and leases to deposits | 78.5991% | 3,095 |
| Net loans and leases to core deposits | 80.7217% | 3,377 |
| Total domestic deposits to total assets | 89.1275% | 808 |
| Equity capital to assets | 9.8769% | 3,787 |
| Core capital (leverage) ratio | 10.2356% | 3,320 |
| Tier 1 risk-based capital ratio | 12.3983% | 4,188 |
| Total risk-based capital ratio | 13.6518% | 4,066 |
| Memoranda: | ||
| Average total assets | $548,488,800 | 1,295 |
| Average earning assets | $513,759,800 | 1,279 |
| Average equity | $53,857,200 | 1,429 |
| Average total loans | $383,986,600 | 1,296 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 1,448 |
| Cost of funding earning assets | 0.2553% | 4,756 |
| Net interest margin | 4.5357% | 687 |
| Noninterest income to average assets | 1.2445% | 620 |
| Noninterest expense to average assets | 3.0368% | 1,913 |
| Loan and lease loss provision to assets | 0.1320% | 1,528 |
| Net operating income to assets | 2.3253% | 213 |
| Return on assets (ROA) | 2.3248% | 211 |
| Pretax return on assets | 2.3248% | 323 |
| Return on Equity (ROE) | 23.7115% | 109 |
| Retained earnings to average equity (ytd only) | 12.8302% | 381 |
| Net charge-offs to loans | 0.0112% | 3,016 |
| Credit loss provision to net charge-offs | 1,687.5000% | 247 |
| Earnings coverage of net charge-offs (x) | 314.2175% | 299 |
| Efficiency ratio | 55.2749% | 4,481 |
| Assets per employee ($millions) | 5.0665% | 2,384 |
| Cash dividends to net income (ytd only)* | 45.8903% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 795 |
| Loan loss allowance to noncurrent loans | 4,758.2192% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 4,652 |
| Noncurrent loans to loans | 0.0368% | 4,729 |
| Net loans and leases to total assets | 70.4911% | 2,567 |
| Net loans and leases to deposits | 78.9551% | 3,144 |
| Net loans and leases to core deposits | 81.0608% | 3,400 |
| Total domestic deposits to total assets | 89.2799% | 735 |
| Equity capital to assets | 9.9473% | 3,704 |
| Core capital (leverage) ratio | 10.4336% | 3,148 |
| Tier 1 risk-based capital ratio | 12.5786% | 4,168 |
| Total risk-based capital ratio | 13.8316% | 4,048 |
| Memoranda: | ||
| Average total assets | $545,645,000 | 1,298 |
| Average earning assets | $511,217,000 | 1,291 |
| Average equity | $53,497,250 | 1,443 |
| Average total loans | $380,157,500 | 1,309 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 1,478 |
| Cost of funding earning assets | 0.2430% | 4,783 |
| Net interest margin | 4.4681% | 740 |
| Noninterest income to average assets | 1.2126% | 659 |
| Noninterest expense to average assets | 3.0226% | 1,987 |
| Loan and lease loss provision to assets | 0.1325% | 1,491 |
| Net operating income to assets | 2.2468% | 237 |
| Return on assets (ROA) | 2.2461% | 231 |
| Pretax return on assets | 2.2461% | 358 |
| Return on Equity (ROE) | 23.0222% | 127 |
| Retained earnings to average equity (ytd only) | 13.1917% | 352 |
| Net charge-offs to loans | 0.0229% | 2,410 |
| Credit loss provision to net charge-offs | 837.2093% | 477 |
| Earnings coverage of net charge-offs (x) | 150.3488% | 519 |
| Efficiency ratio | 55.9545% | 4,481 |
| Assets per employee ($millions) | 5.1379% | 2,249 |
| Cash dividends to net income (ytd only)* | 42.7003% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7543% | 816 |
| Loan loss allowance to noncurrent loans | 4,474.1722% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 4,499 |
| Noncurrent loans to loans | 0.0392% | 4,738 |
| Net loans and leases to total assets | 69.4701% | 2,656 |
| Net loans and leases to deposits | 79.1254% | 3,041 |
| Net loans and leases to core deposits | 81.2426% | 3,301 |
| Total domestic deposits to total assets | 87.7975% | 1,474 |
| Equity capital to assets | 9.8726% | 3,749 |
| Core capital (leverage) ratio | 10.4271% | 3,103 |
| Tier 1 risk-based capital ratio | 12.4879% | 4,190 |
| Total risk-based capital ratio | 13.7408% | 4,087 |
| Memoranda: | ||
| Average total assets | $543,442,330 | 1,306 |
| Average earning assets | $509,525,670 | 1,294 |
| Average equity | $53,018,330 | 1,458 |
| Average total loans | $374,798,000 | 1,322 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 1,409 |
| Cost of funding earning assets | 0.2380% | 4,776 |
| Net interest margin | 4.4211% | 731 |
| Noninterest income to average assets | 1.2313% | 612 |
| Noninterest expense to average assets | 3.0012% | 2,056 |
| Loan and lease loss provision to assets | 0.1326% | 1,424 |
| Net operating income to assets | 2.2452% | 225 |
| Return on assets (ROA) | 2.2437% | 227 |
| Pretax return on assets | 2.2437% | 348 |
| Return on Equity (ROE) | 23.1368% | 127 |
| Retained earnings to average equity (ytd only) | 16.6934% | 205 |
| Net charge-offs to loans | 0.0162% | 2,191 |
| Credit loss provision to net charge-offs | 1,200.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 215.1333% | 314 |
| Efficiency ratio | 55.7945% | 4,611 |
| Assets per employee ($millions) | 5.1183% | 2,337 |
| Cash dividends to net income (ytd only)* | 27.8489% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7764% | 824 |
| Loan loss allowance to noncurrent loans | 1,953.8462% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 4,530 |
| Noncurrent loans to loans | 0.0909% | 4,570 |
| Net loans and leases to total assets | 66.6760% | 2,944 |
| Net loans and leases to deposits | 74.4589% | 3,370 |
| Net loans and leases to core deposits | 76.3991% | 3,637 |
| Total domestic deposits to total assets | 89.5474% | 863 |
| Equity capital to assets | 9.6188% | 3,977 |
| Core capital (leverage) ratio | 10.0784% | 3,448 |
| Tier 1 risk-based capital ratio | 12.4676% | 4,264 |
| Total risk-based capital ratio | 13.7206% | 4,163 |
| Memoranda: | ||
| Average total assets | $542,855,000 | 1,320 |
| Average earning assets | $509,287,000 | 1,305 |
| Average equity | $52,643,500 | 1,470 |
| Average total loans | $369,646,000 | 1,344 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3685% | 2,117 |
| Cost of funding earning assets | 0.2169% | 4,812 |
| Net interest margin | 4.1517% | 1,297 |
| Noninterest income to average assets | 1.2654% | 665 |
| Noninterest expense to average assets | 3.0056% | 2,158 |
| Loan and lease loss provision to assets | 0.1115% | 2,034 |
| Net operating income to assets | 2.0335% | 263 |
| Return on assets (ROA) | 2.0993% | 241 |
| Pretax return on assets | 2.0993% | 397 |
| Return on Equity (ROE) | 22.2511% | 121 |
| Retained earnings to average equity (ytd only) | 11.5228% | 207 |
| Net charge-offs to loans | 0.1030% | 2,037 |
| Credit loss provision to net charge-offs | 177.0833% | 1,530 |
| Earnings coverage of net charge-offs (x) | 34.0655% | 1,410 |
| Efficiency ratio | 58.3540% | 4,487 |
| Assets per employee ($millions) | 5.0760% | 2,390 |
| Cash dividends to net income (ytd only)* | 48.2146% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7519% | 857 |
| Loan loss allowance to noncurrent loans | 2,787.4459% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 4,580 |
| Noncurrent loans to loans | 0.0629% | 4,710 |
| Net loans and leases to total assets | 67.1110% | 2,947 |
| Net loans and leases to deposits | 77.1729% | 3,211 |
| Net loans and leases to core deposits | 79.2831% | 3,473 |
| Total domestic deposits to total assets | 86.9620% | 2,017 |
| Equity capital to assets | 9.7776% | 3,942 |
| Core capital (leverage) ratio | 9.7600% | 3,736 |
| Tier 1 risk-based capital ratio | 12.2898% | 4,338 |
| Total risk-based capital ratio | 13.5428% | 4,245 |
| Memoranda: | ||
| Average total assets | $533,603,400 | 1,321 |
| Average earning assets | $499,366,000 | 1,302 |
| Average equity | $50,343,600 | 1,513 |
| Average total loans | $326,262,200 | 1,457 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 2,314 |
| Cost of funding earning assets | 0.2072% | 4,913 |
| Net interest margin | 4.0759% | 1,464 |
| Noninterest income to average assets | 1.2842% | 645 |
| Noninterest expense to average assets | 2.9816% | 2,158 |
| Loan and lease loss provision to assets | 0.1152% | 1,877 |
| Net operating income to assets | 1.9996% | 316 |
| Return on assets (ROA) | 2.0840% | 276 |
| Pretax return on assets | 2.0840% | 461 |
| Return on Equity (ROE) | 22.2934% | 131 |
| Retained earnings to average equity (ytd only) | 10.0472% | 577 |
| Net charge-offs to loans | 0.1355% | 1,438 |
| Credit loss provision to net charge-offs | 143.3022% | 1,745 |
| Earnings coverage of net charge-offs (x) | 26.3115% | 1,685 |
| Efficiency ratio | 58.5045% | 4,430 |
| Assets per employee ($millions) | 5.1638% | 2,270 |
| Cash dividends to net income (ytd only)* | 54.9321% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 815 |
| Loan loss allowance to noncurrent loans | 5,355.0847% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 4,856 |
| Noncurrent loans to loans | 0.0341% | 4,964 |
| Net loans and leases to total assets | 62.7020% | 3,579 |
| Net loans and leases to deposits | 72.7430% | 3,697 |
| Net loans and leases to core deposits | 74.6625% | 3,921 |
| Total domestic deposits to total assets | 86.1967% | 2,234 |
| Equity capital to assets | 9.6412% | 4,305 |
| Core capital (leverage) ratio | 9.4877% | 4,184 |
| Tier 1 risk-based capital ratio | 12.1905% | 4,505 |
| Total risk-based capital ratio | 13.4437% | 4,396 |
| Memoranda: | ||
| Average total assets | $532,490,250 | 1,330 |
| Average earning assets | $498,031,000 | 1,314 |
| Average equity | $49,777,250 | 1,536 |
| Average total loans | $315,944,250 | 1,505 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 2,415 |
| Cost of funding earning assets | 0.2035% | 4,939 |
| Net interest margin | 4.0116% | 1,566 |
| Noninterest income to average assets | 1.2784% | 636 |
| Noninterest expense to average assets | 2.9698% | 2,197 |
| Loan and lease loss provision to assets | 0.1020% | 1,986 |
| Net operating income to assets | 1.9609% | 327 |
| Return on assets (ROA) | 2.0591% | 280 |
| Pretax return on assets | 2.0591% | 484 |
| Return on Equity (ROE) | 22.2658% | 128 |
| Retained earnings to average equity (ytd only) | 9.8233% | 618 |
| Net charge-offs to loans | 0.2112% | 966 |
| Credit loss provision to net charge-offs | 83.5913% | 2,219 |
| Earnings coverage of net charge-offs (x) | 16.9009% | 1,954 |
| Efficiency ratio | 59.0104% | 4,468 |
| Assets per employee ($millions) | 4.9650% | 2,431 |
| Cash dividends to net income (ytd only)* | 55.8818% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9542% | 650 |
| Loan loss allowance to noncurrent loans | 10,749.1228% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 4,906 |
| Noncurrent loans to loans | 0.0182% | 5,098 |
| Net loans and leases to total assets | 58.4085% | 3,983 |
| Net loans and leases to deposits | 65.6170% | 4,249 |
| Net loans and leases to core deposits | 67.1999% | 4,404 |
| Total domestic deposits to total assets | 89.0143% | 945 |
| Equity capital to assets | 9.7810% | 4,139 |
| Core capital (leverage) ratio | 9.3335% | 4,321 |
| Tier 1 risk-based capital ratio | 12.7525% | 4,151 |
| Total risk-based capital ratio | 14.0066% | 4,055 |
| Memoranda: | ||
| Average total assets | $529,255,000 | 1,345 |
| Average earning assets | $495,310,670 | 1,329 |
| Average equity | $48,945,000 | 1,559 |
| Average total loans | $305,830,000 | 1,550 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1509% | 2,470 |
| Cost of funding earning assets | 0.1998% | 4,976 |
| Net interest margin | 3.9511% | 1,604 |
| Noninterest income to average assets | 1.2164% | 696 |
| Noninterest expense to average assets | 2.8813% | 2,514 |
| Loan and lease loss provision to assets | 0.1017% | 1,864 |
| Net operating income to assets | 1.9301% | 345 |
| Return on assets (ROA) | 1.9301% | 359 |
| Pretax return on assets | 1.9301% | 590 |
| Return on Equity (ROE) | 21.4851% | 170 |
| Retained earnings to average equity (ytd only) | 8.7165% | 1,181 |
| Net charge-offs to loans | 0.0146% | 2,509 |
| Credit loss provision to net charge-offs | 1,227.2727% | 262 |
| Earnings coverage of net charge-offs (x) | 245.0909% | 238 |
| Efficiency ratio | 58.6440% | 4,640 |
| Assets per employee ($millions) | 5.1764% | 2,206 |
| Cash dividends to net income (ytd only)* | 59.4299% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0954% | 563 |
| Loan loss allowance to noncurrent loans | 1,713.0435% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 4,704 |
| Noncurrent loans to loans | 0.1223% | 4,698 |
| Net loans and leases to total assets | 54.7138% | 4,283 |
| Net loans and leases to deposits | 60.6587% | 4,520 |
| Net loans and leases to core deposits | 62.0667% | 4,657 |
| Total domestic deposits to total assets | 90.1993% | 577 |
| Equity capital to assets | 8.9957% | 4,803 |
| Core capital (leverage) ratio | 9.0569% | 4,669 |
| Tier 1 risk-based capital ratio | 13.0535% | 4,046 |
| Total risk-based capital ratio | 14.3093% | 3,947 |
| Memoranda: | ||
| Average total assets | $530,739,500 | 1,344 |
| Average earning assets | $496,565,500 | 1,325 |
| Average equity | $47,679,500 | 1,597 |
| Average total loans | $301,983,500 | 1,571 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 2,695 |
| Cost of funding earning assets | 0.2079% | 4,942 |
| Net interest margin | 3.9324% | 1,845 |
| Noninterest income to average assets | 1.2628% | 711 |
| Noninterest expense to average assets | 2.8429% | 2,867 |
| Loan and lease loss provision to assets | 0.0996% | 2,390 |
| Net operating income to assets | 1.9775% | 334 |
| Return on assets (ROA) | 1.9964% | 337 |
| Pretax return on assets | 1.9964% | 508 |
| Return on Equity (ROE) | 20.3745% | 195 |
| Retained earnings to average equity (ytd only) | 5.4451% | 2,050 |
| Net charge-offs to loans | 0.0472% | 3,093 |
| Credit loss provision to net charge-offs | 371.8519% | 843 |
| Earnings coverage of net charge-offs (x) | 77.5185% | 729 |
| Efficiency ratio | 57.7820% | 4,879 |
| Assets per employee ($millions) | 4.8891% | 2,514 |
| Cash dividends to net income (ytd only)* | 73.2750% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0389% | 608 |
| Loan loss allowance to noncurrent loans | 5,885.7143% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 4,920 |
| Noncurrent loans to loans | 0.0346% | 5,122 |
| Net loans and leases to total assets | 56.7607% | 4,194 |
| Net loans and leases to deposits | 62.8474% | 4,481 |
| Net loans and leases to core deposits | 64.1860% | 4,626 |
| Total domestic deposits to total assets | 90.3150% | 509 |
| Equity capital to assets | 8.9712% | 4,849 |
| Core capital (leverage) ratio | 9.1864% | 4,495 |
| Tier 1 risk-based capital ratio | 13.1678% | 3,967 |
| Total risk-based capital ratio | 14.4237% | 3,887 |
| Memoranda: | ||
| Average total assets | $503,819,000 | 1,363 |
| Average earning assets | $468,569,000 | 1,355 |
| Average equity | $49,365,600 | 1,536 |
| Average total loans | $285,796,200 | 1,585 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 2,765 |
| Cost of funding earning assets | 0.2115% | 4,961 |
| Net interest margin | 3.9175% | 1,917 |
| Noninterest income to average assets | 1.2227% | 773 |
| Noninterest expense to average assets | 2.8085% | 2,970 |
| Loan and lease loss provision to assets | 0.0981% | 2,265 |
| Net operating income to assets | 1.9546% | 364 |
| Return on assets (ROA) | 1.9799% | 364 |
| Pretax return on assets | 1.9799% | 599 |
| Return on Equity (ROE) | 19.7697% | 255 |
| Retained earnings to average equity (ytd only) | 7.6304% | 1,347 |
| Net charge-offs to loans | 0.0507% | 2,647 |
| Credit loss provision to net charge-offs | 342.9907% | 944 |
| Earnings coverage of net charge-offs (x) | 71.7959% | 845 |
| Efficiency ratio | 57.7750% | 4,845 |
| Assets per employee ($millions) | 4.9842% | 2,384 |
| Cash dividends to net income (ytd only)* | 61.4036% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0493% | 665 |
| Loan loss allowance to noncurrent loans | 5,146.6102% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 5,000 |
| Noncurrent loans to loans | 0.0398% | 5,209 |
| Net loans and leases to total assets | 57.6624% | 4,128 |
| Net loans and leases to deposits | 65.8369% | 4,361 |
| Net loans and leases to core deposits | 67.3016% | 4,525 |
| Total domestic deposits to total assets | 87.5837% | 1,621 |
| Equity capital to assets | 10.1968% | 3,920 |
| Core capital (leverage) ratio | 9.3501% | 4,390 |
| Tier 1 risk-based capital ratio | 13.5400% | 3,838 |
| Total risk-based capital ratio | 14.7960% | 3,746 |
| Memoranda: | ||
| Average total assets | $498,991,250 | 1,382 |
| Average earning assets | $463,449,000 | 1,374 |
| Average equity | $49,974,250 | 1,527 |
| Average total loans | $281,467,250 | 1,610 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1087% | 2,824 |
| Cost of funding earning assets | 0.2162% | 4,981 |
| Net interest margin | 3.8924% | 2,003 |
| Noninterest income to average assets | 1.1742% | 813 |
| Noninterest expense to average assets | 2.7746% | 3,114 |
| Loan and lease loss provision to assets | 0.0933% | 2,288 |
| Net operating income to assets | 1.9243% | 383 |
| Return on assets (ROA) | 1.9625% | 374 |
| Pretax return on assets | 1.9625% | 616 |
| Return on Equity (ROE) | 19.7165% | 254 |
| Retained earnings to average equity (ytd only) | 13.6020% | 207 |
| Net charge-offs to loans | 0.0166% | 3,183 |
| Credit loss provision to net charge-offs | 1,008.6957% | 371 |
| Earnings coverage of net charge-offs (x) | 218.2174% | 298 |
| Efficiency ratio | 57.8978% | 4,917 |
| Assets per employee ($millions) | 4.9744% | 2,328 |
| Cash dividends to net income (ytd only)* | 31.0119% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1465% | 582 |
| Loan loss allowance to noncurrent loans | 1,410.3044% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 4,772 |
| Noncurrent loans to loans | 0.1522% | 4,830 |
| Net loans and leases to total assets | 55.7455% | 4,343 |
| Net loans and leases to deposits | 63.8924% | 4,496 |
| Net loans and leases to core deposits | 65.2786% | 4,663 |
| Total domestic deposits to total assets | 87.2490% | 1,779 |
| Equity capital to assets | 10.6278% | 3,499 |
| Core capital (leverage) ratio | 9.4955% | 4,214 |
| Tier 1 risk-based capital ratio | 14.2790% | 3,448 |
| Total risk-based capital ratio | 15.5360% | 3,364 |
| Memoranda: | ||
| Average total assets | $497,520,330 | 1,392 |
| Average earning assets | $462,438,330 | 1,380 |
| Average equity | $49,522,000 | 1,537 |
| Average total loans | $276,507,000 | 1,634 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0903% | 2,879 |
| Cost of funding earning assets | 0.2337% | 4,868 |
| Net interest margin | 3.8566% | 2,082 |
| Noninterest income to average assets | 1.1175% | 876 |
| Noninterest expense to average assets | 2.7229% | 3,337 |
| Loan and lease loss provision to assets | 0.0880% | 2,212 |
| Net operating income to assets | 1.8974% | 398 |
| Return on assets (ROA) | 1.8974% | 425 |
| Pretax return on assets | 1.8974% | 695 |
| Return on Equity (ROE) | 19.7198% | 261 |
| Retained earnings to average equity (ytd only) | 19.7198% | 100 |
| Net charge-offs to loans | 0.0160% | 2,618 |
| Credit loss provision to net charge-offs | 1,000.0000% | 359 |
| Earnings coverage of net charge-offs (x) | 225.6364% | 273 |
| Efficiency ratio | 57.8321% | 5,018 |
| Assets per employee ($millions) | 5.1085% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1381% | 640 |
| Loan loss allowance to noncurrent loans | 4,618.7500% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 5,046 |
| Noncurrent loans to loans | 0.0463% | 5,306 |
| Net loans and leases to total assets | 52.9701% | 4,538 |
| Net loans and leases to deposits | 59.1154% | 4,772 |
| Net loans and leases to core deposits | 60.5133% | 4,905 |
| Total domestic deposits to total assets | 89.6046% | 783 |
| Equity capital to assets | 9.8013% | 4,337 |
| Core capital (leverage) ratio | 9.3241% | 4,464 |
| Tier 1 risk-based capital ratio | 14.0555% | 3,654 |
| Total risk-based capital ratio | 15.3119% | 3,581 |
| Memoranda: | ||
| Average total assets | $500,049,000 | 1,384 |
| Average earning assets | $465,587,500 | 1,367 |
| Average equity | $48,114,000 | 1,570 |
| Average total loans | $274,486,500 | 1,643 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 2,629 |
| Cost of funding earning assets | 0.2029% | 5,259 |
| Net interest margin | 3.9761% | 1,798 |
| Noninterest income to average assets | 1.3111% | 705 |
| Noninterest expense to average assets | 2.7893% | 3,274 |
| Loan and lease loss provision to assets | 0.1283% | 1,880 |
| Net operating income to assets | 2.0748% | 306 |
| Return on assets (ROA) | 2.0748% | 314 |
| Pretax return on assets | 2.0748% | 458 |
| Return on Equity (ROE) | 21.7747% | 185 |
| Retained earnings to average equity (ytd only) | 6.4474% | 1,565 |
| Net charge-offs to loans | 0.0372% | 3,480 |
| Credit loss provision to net charge-offs | 648.9362% | 520 |
| Earnings coverage of net charge-offs (x) | 111.4362% | 529 |
| Efficiency ratio | 55.8706% | 5,357 |
| Assets per employee ($millions) | 4.7965% | 2,610 |
| Cash dividends to net income (ytd only)* | 70.3903% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1335% | 659 |
| Loan loss allowance to noncurrent loans | 2,334.5382% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 4,641 |
| Noncurrent loans to loans | 0.0914% | 5,130 |
| Net loans and leases to total assets | 54.5020% | 4,450 |
| Net loans and leases to deposits | 63.8390% | 4,477 |
| Net loans and leases to core deposits | 65.3567% | 4,642 |
| Total domestic deposits to total assets | 85.3742% | 2,908 |
| Equity capital to assets | 9.4345% | 4,629 |
| Core capital (leverage) ratio | 9.1421% | 4,700 |
| Tier 1 risk-based capital ratio | 13.6871% | 3,895 |
| Total risk-based capital ratio | 14.9439% | 3,824 |
| Memoranda: | ||
| Average total assets | $475,468,200 | 1,424 |
| Average earning assets | $440,207,200 | 1,411 |
| Average equity | $45,304,800 | 1,629 |
| Average total loans | $252,789,000 | 1,712 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 2,645 |
| Cost of funding earning assets | 0.1995% | 5,376 |
| Net interest margin | 3.9812% | 1,761 |
| Noninterest income to average assets | 1.3536% | 666 |
| Noninterest expense to average assets | 2.8057% | 3,164 |
| Loan and lease loss provision to assets | 0.1384% | 1,608 |
| Net operating income to assets | 2.0908% | 311 |
| Return on assets (ROA) | 2.0908% | 333 |
| Pretax return on assets | 2.0908% | 510 |
| Return on Equity (ROE) | 21.8868% | 194 |
| Retained earnings to average equity (ytd only) | 10.3431% | 581 |
| Net charge-offs to loans | 0.0344% | 3,227 |
| Credit loss provision to net charge-offs | 765.6250% | 454 |
| Earnings coverage of net charge-offs (x) | 123.3142% | 524 |
| Efficiency ratio | 55.7251% | 5,383 |
| Assets per employee ($millions) | 4.8886% | 2,437 |
| Cash dividends to net income (ytd only)* | 52.7425% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2151% | 645 |
| Loan loss allowance to noncurrent loans | 2,566.3677% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 4,833 |
| Noncurrent loans to loans | 0.0863% | 5,287 |
| Net loans and leases to total assets | 52.7343% | 4,689 |
| Net loans and leases to deposits | 62.3877% | 4,690 |
| Net loans and leases to core deposits | 63.7897% | 4,831 |
| Total domestic deposits to total assets | 84.5268% | 3,207 |
| Equity capital to assets | 9.8627% | 4,326 |
| Core capital (leverage) ratio | 9.2574% | 4,652 |
| Tier 1 risk-based capital ratio | 14.2615% | 3,693 |
| Total risk-based capital ratio | 15.5184% | 3,617 |
| Memoranda: | ||
| Average total assets | $472,023,750 | 1,436 |
| Average earning assets | $436,474,250 | 1,425 |
| Average equity | $45,091,500 | 1,649 |
| Average total loans | $247,870,750 | 1,755 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 2,767 |
| Cost of funding earning assets | 0.1973% | 5,457 |
| Net interest margin | 3.9401% | 1,857 |
| Noninterest income to average assets | 1.3260% | 697 |
| Noninterest expense to average assets | 2.7675% | 3,358 |
| Loan and lease loss provision to assets | 0.1533% | 1,384 |
| Net operating income to assets | 2.0448% | 340 |
| Return on assets (ROA) | 2.0448% | 357 |
| Pretax return on assets | 2.0448% | 554 |
| Return on Equity (ROE) | 21.6443% | 207 |
| Retained earnings to average equity (ytd only) | 9.9117% | 683 |
| Net charge-offs to loans | 0.0557% | 2,616 |
| Credit loss provision to net charge-offs | 529.4118% | 602 |
| Earnings coverage of net charge-offs (x) | 75.9118% | 736 |
| Efficiency ratio | 55.7328% | 5,452 |
| Assets per employee ($millions) | 4.8429% | 2,487 |
| Cash dividends to net income (ytd only)* | 54.2066% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2481% | 686 |
| Loan loss allowance to noncurrent loans | 1,346.7470% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 4,645 |
| Noncurrent loans to loans | 0.1669% | 5,096 |
| Net loans and leases to total assets | 50.6884% | 4,871 |
| Net loans and leases to deposits | 60.5565% | 4,805 |
| Net loans and leases to core deposits | 61.8043% | 4,955 |
| Total domestic deposits to total assets | 83.7043% | 3,689 |
| Equity capital to assets | 9.4098% | 4,766 |
| Core capital (leverage) ratio | 9.1315% | 4,772 |
| Tier 1 risk-based capital ratio | 14.5201% | 3,625 |
| Total risk-based capital ratio | 15.7776% | 3,548 |
| Memoranda: | ||
| Average total assets | $469,672,000 | 1,448 |
| Average earning assets | $433,848,000 | 1,443 |
| Average equity | $44,372,000 | 1,683 |
| Average total loans | $244,373,670 | 1,783 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0911% | 2,874 |
| Cost of funding earning assets | 0.1994% | 5,517 |
| Net interest margin | 3.8917% | 1,927 |
| Noninterest income to average assets | 1.3426% | 638 |
| Noninterest expense to average assets | 2.7307% | 3,484 |
| Loan and lease loss provision to assets | 0.1549% | 1,310 |
| Net operating income to assets | 2.0508% | 311 |
| Return on assets (ROA) | 2.0508% | 327 |
| Pretax return on assets | 2.0508% | 536 |
| Return on Equity (ROE) | 21.6634% | 197 |
| Retained earnings to average equity (ytd only) | 9.8363% | 968 |
| Net charge-offs to loans | 0.0528% | 2,249 |
| Credit loss provision to net charge-offs | 562.5000% | 495 |
| Earnings coverage of net charge-offs (x) | 80.0938% | 594 |
| Efficiency ratio | 55.3173% | 5,570 |
| Assets per employee ($millions) | 5.0473% | 2,289 |
| Cash dividends to net income (ytd only)* | 54.5950% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2387% | 763 |
| Loan loss allowance to noncurrent loans | 593.7841% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 4,372 |
| Noncurrent loans to loans | 0.3770% | 4,460 |
| Net loans and leases to total assets | 49.5902% | 4,897 |
| Net loans and leases to deposits | 58.1928% | 4,901 |
| Net loans and leases to core deposits | 59.3326% | 5,050 |
| Total domestic deposits to total assets | 85.2170% | 3,299 |
| Equity capital to assets | 9.3860% | 4,871 |
| Core capital (leverage) ratio | 9.0081% | 4,941 |
| Tier 1 risk-based capital ratio | 14.2810% | 3,837 |
| Total risk-based capital ratio | 15.5382% | 3,763 |
| Memoranda: | ||
| Average total assets | $464,785,500 | 1,467 |
| Average earning assets | $429,219,500 | 1,467 |
| Average equity | $44,000,500 | 1,695 |
| Average total loans | $242,254,500 | 1,792 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3259% | 2,514 |
| Cost of funding earning assets | 0.2156% | 5,621 |
| Net interest margin | 4.1103% | 1,550 |
| Noninterest income to average assets | 1.1435% | 927 |
| Noninterest expense to average assets | 2.6411% | 4,082 |
| Loan and lease loss provision to assets | 0.1438% | 1,845 |
| Net operating income to assets | 2.1291% | 254 |
| Return on assets (ROA) | 2.1291% | 259 |
| Pretax return on assets | 2.1291% | 380 |
| Return on Equity (ROE) | 22.4626% | 163 |
| Retained earnings to average equity (ytd only) | 5.5775% | 2,210 |
| Net charge-offs to loans | 0.0420% | 3,981 |
| Credit loss provision to net charge-offs | 655.6701% | 404 |
| Earnings coverage of net charge-offs (x) | 103.6701% | 503 |
| Efficiency ratio | 53.7464% | 5,858 |
| Assets per employee ($millions) | 4.5463% | 2,960 |
| Cash dividends to net income (ytd only)* | 75.1699% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1953% | 828 |
| Loan loss allowance to noncurrent loans | 546.6460% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 4,328 |
| Noncurrent loans to loans | 0.4016% | 4,437 |
| Net loans and leases to total assets | 52.4321% | 4,750 |
| Net loans and leases to deposits | 62.0917% | 4,718 |
| Net loans and leases to core deposits | 63.4944% | 4,872 |
| Total domestic deposits to total assets | 84.4430% | 3,537 |
| Equity capital to assets | 9.5529% | 4,655 |
| Core capital (leverage) ratio | 9.1595% | 4,735 |
| Tier 1 risk-based capital ratio | 14.8242% | 3,585 |
| Total risk-based capital ratio | 16.0821% | 3,516 |
| Memoranda: | ||
| Average total assets | $442,430,600 | 1,504 |
| Average earning assets | $405,857,600 | 1,509 |
| Average equity | $41,936,400 | 1,714 |
| Average total loans | $230,855,400 | 1,821 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 2,419 |
| Cost of funding earning assets | 0.2171% | 5,695 |
| Net interest margin | 4.1338% | 1,477 |
| Noninterest income to average assets | 1.1314% | 942 |
| Noninterest expense to average assets | 2.8838% | 3,182 |
| Loan and lease loss provision to assets | 0.1562% | 1,592 |
| Net operating income to assets | 1.8783% | 437 |
| Return on assets (ROA) | 1.8783% | 450 |
| Pretax return on assets | 1.8783% | 750 |
| Return on Equity (ROE) | 19.8564% | 294 |
| Retained earnings to average equity (ytd only) | 9.4259% | 863 |
| Net charge-offs to loans | 0.0678% | 3,233 |
| Credit loss provision to net charge-offs | 444.8276% | 638 |
| Earnings coverage of net charge-offs (x) | 57.9493% | 886 |
| Efficiency ratio | 58.6338% | 5,360 |
| Assets per employee ($millions) | 4.4661% | 3,029 |
| Cash dividends to net income (ytd only)* | 52.5298% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1808% | 973 |
| Loan loss allowance to noncurrent loans | 1,539.7015% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 4,573 |
| Noncurrent loans to loans | 0.1416% | 5,495 |
| Net loans and leases to total assets | 50.7876% | 4,914 |
| Net loans and leases to deposits | 60.9377% | 4,856 |
| Net loans and leases to core deposits | 62.3838% | 5,010 |
| Total domestic deposits to total assets | 83.3436% | 4,017 |
| Equity capital to assets | 9.4160% | 4,900 |
| Core capital (leverage) ratio | 9.2723% | 4,675 |
| Tier 1 risk-based capital ratio | 15.0162% | 3,575 |
| Total risk-based capital ratio | 16.2735% | 3,508 |
| Memoranda: | ||
| Average total assets | $440,518,000 | 1,522 |
| Average earning assets | $403,561,250 | 1,525 |
| Average equity | $41,671,500 | 1,729 |
| Average total loans | $228,248,250 | 1,845 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 2,291 |
| Cost of funding earning assets | 0.2183% | 5,763 |
| Net interest margin | 4.1518% | 1,378 |
| Noninterest income to average assets | 1.1458% | 900 |
| Noninterest expense to average assets | 2.9317% | 3,059 |
| Loan and lease loss provision to assets | 0.1543% | 1,601 |
| Net operating income to assets | 1.8599% | 439 |
| Return on assets (ROA) | 1.8599% | 452 |
| Pretax return on assets | 1.8599% | 742 |
| Return on Equity (ROE) | 19.6297% | 309 |
| Retained earnings to average equity (ytd only) | 9.0927% | 960 |
| Net charge-offs to loans | 0.0789% | 2,905 |
| Credit loss provision to net charge-offs | 377.5281% | 726 |
| Earnings coverage of net charge-offs (x) | 49.2809% | 920 |
| Efficiency ratio | 59.2758% | 5,394 |
| Assets per employee ($millions) | 4.2393% | 3,396 |
| Cash dividends to net income (ytd only)* | 53.6790% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2750% | 925 |
| Loan loss allowance to noncurrent loans | 1,147.9358% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 4,591 |
| Noncurrent loans to loans | 0.1982% | 5,422 |
| Net loans and leases to total assets | 49.2378% | 5,049 |
| Net loans and leases to deposits | 58.3396% | 5,006 |
| Net loans and leases to core deposits | 59.7135% | 5,147 |
| Total domestic deposits to total assets | 84.3986% | 3,777 |
| Equity capital to assets | 9.7310% | 4,453 |
| Core capital (leverage) ratio | 9.3673% | 4,507 |
| Tier 1 risk-based capital ratio | 15.6862% | 3,253 |
| Total risk-based capital ratio | 16.9443% | 3,189 |
| Memoranda: | ||
| Average total assets | $435,510,000 | 1,537 |
| Average earning assets | $398,622,000 | 1,540 |
| Average equity | $41,264,000 | 1,737 |
| Average total loans | $225,492,000 | 1,862 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4033% | 2,125 |
| Cost of funding earning assets | 0.2251% | 5,796 |
| Net interest margin | 4.1781% | 1,274 |
| Noninterest income to average assets | 1.1717% | 813 |
| Noninterest expense to average assets | 2.9981% | 2,859 |
| Loan and lease loss provision to assets | 0.1655% | 1,461 |
| Net operating income to assets | 1.8311% | 457 |
| Return on assets (ROA) | 1.8311% | 478 |
| Pretax return on assets | 1.8311% | 767 |
| Return on Equity (ROE) | 19.5912% | 321 |
| Retained earnings to average equity (ytd only) | 7.9112% | 1,627 |
| Net charge-offs to loans | 0.1542% | 1,793 |
| Credit loss provision to net charge-offs | 204.5455% | 1,019 |
| Earnings coverage of net charge-offs (x) | 24.6705% | 1,171 |
| Efficiency ratio | 60.0258% | 5,404 |
| Assets per employee ($millions) | 4.2199% | 3,487 |
| Cash dividends to net income (ytd only)* | 59.6183% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1573% | 1,226 |
| Loan loss allowance to noncurrent loans | 3,190.7895% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.4208% | 4,871 |
| Noncurrent loans to loans | 0.0676% | 5,939 |
| Net loans and leases to total assets | 50.6074% | 4,839 |
| Net loans and leases to deposits | 58.6791% | 4,876 |
| Net loans and leases to core deposits | 60.2905% | 5,013 |
| Total domestic deposits to total assets | 86.2443% | 3,234 |
| Equity capital to assets | 9.4355% | 4,584 |
| Core capital (leverage) ratio | 9.2136% | 4,702 |
| Tier 1 risk-based capital ratio | 15.0802% | 3,670 |
| Total risk-based capital ratio | 16.3373% | 3,619 |
| Memoranda: | ||
| Average total assets | $434,941,000 | 1,545 |
| Average earning assets | $397,977,000 | 1,548 |
| Average equity | $40,651,000 | 1,754 |
| Average total loans | $228,237,500 | 1,834 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 1,848 |
| Cost of funding earning assets | 0.2621% | 5,896 |
| Net interest margin | 4.3456% | 1,011 |
| Noninterest income to average assets | 1.2988% | 822 |
| Noninterest expense to average assets | 3.1027% | 2,725 |
| Loan and lease loss provision to assets | 0.1543% | 2,346 |
| Net operating income to assets | 2.0068% | 338 |
| Return on assets (ROA) | 2.0068% | 339 |
| Pretax return on assets | 2.0068% | 473 |
| Return on Equity (ROE) | 19.8790% | 283 |
| Retained earnings to average equity (ytd only) | 3.8111% | 3,493 |
| Net charge-offs to loans | 0.2019% | 2,856 |
| Credit loss provision to net charge-offs | 141.9283% | 1,645 |
| Earnings coverage of net charge-offs (x) | 19.8744% | 1,582 |
| Efficiency ratio | 58.9440% | 5,615 |
| Assets per employee ($millions) | 4.1849% | 3,473 |
| Cash dividends to net income (ytd only)* | 80.8286% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0539% | 1,436 |
| Loan loss allowance to noncurrent loans | 979.0123% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 4,947 |
| Noncurrent loans to loans | 0.2098% | 5,553 |
| Net loans and leases to total assets | 52.1336% | 4,830 |
| Net loans and leases to deposits | 61.4878% | 4,775 |
| Net loans and leases to core deposits | 62.6354% | 5,007 |
| Total domestic deposits to total assets | 84.7868% | 3,853 |
| Equity capital to assets | 9.2573% | 4,738 |
| Core capital (leverage) ratio | 9.1784% | 4,752 |
| Tier 1 risk-based capital ratio | 14.5181% | 3,944 |
| Total risk-based capital ratio | 15.7743% | 3,873 |
| Memoranda: | ||
| Average total assets | $410,162,600 | 1,609 |
| Average earning assets | $374,237,200 | 1,613 |
| Average equity | $41,405,600 | 1,688 |
| Average total loans | $220,855,200 | 1,850 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6308% | 1,801 |
| Cost of funding earning assets | 0.2631% | 6,004 |
| Net interest margin | 4.3677% | 952 |
| Noninterest income to average assets | 1.3805% | 764 |
| Noninterest expense to average assets | 3.1400% | 2,533 |
| Loan and lease loss provision to assets | 0.1783% | 2,041 |
| Net operating income to assets | 2.0470% | 333 |
| Return on assets (ROA) | 2.0470% | 344 |
| Pretax return on assets | 2.0470% | 522 |
| Return on Equity (ROE) | 19.8343% | 310 |
| Retained earnings to average equity (ytd only) | 9.4038% | 933 |
| Net charge-offs to loans | 0.2463% | 2,336 |
| Credit loss provision to net charge-offs | 133.9950% | 1,758 |
| Earnings coverage of net charge-offs (x) | 16.7271% | 1,782 |
| Efficiency ratio | 58.5246% | 5,624 |
| Assets per employee ($millions) | 3.9392% | 3,964 |
| Cash dividends to net income (ytd only)* | 52.5883% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0862% | 1,537 |
| Loan loss allowance to noncurrent loans | 3,435.7664% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 5,301 |
| Noncurrent loans to loans | 0.0607% | 6,162 |
| Net loans and leases to total assets | 52.9070% | 4,765 |
| Net loans and leases to deposits | 63.2715% | 4,593 |
| Net loans and leases to core deposits | 64.5777% | 4,837 |
| Total domestic deposits to total assets | 83.6190% | 4,340 |
| Equity capital to assets | 9.9845% | 3,923 |
| Core capital (leverage) ratio | 9.6389% | 4,185 |
| Tier 1 risk-based capital ratio | 15.1110% | 3,676 |
| Total risk-based capital ratio | 16.3671% | 3,626 |
| Memoranda: | ||
| Average total assets | $403,894,750 | 1,642 |
| Average earning assets | $368,483,750 | 1,646 |
| Average equity | $41,684,250 | 1,694 |
| Average total loans | $218,153,750 | 1,875 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6259% | 1,766 |
| Cost of funding earning assets | 0.2662% | 6,066 |
| Net interest margin | 4.3597% | 922 |
| Noninterest income to average assets | 1.4248% | 779 |
| Noninterest expense to average assets | 3.1457% | 2,527 |
| Loan and lease loss provision to assets | 0.1803% | 2,107 |
| Net operating income to assets | 2.0769% | 316 |
| Return on assets (ROA) | 2.0769% | 330 |
| Pretax return on assets | 2.0769% | 520 |
| Return on Equity (ROE) | 19.8983% | 306 |
| Retained earnings to average equity (ytd only) | 9.4621% | 977 |
| Net charge-offs to loans | 0.2532% | 2,207 |
| Credit loss provision to net charge-offs | 131.8681% | 1,724 |
| Earnings coverage of net charge-offs (x) | 16.5092% | 1,660 |
| Efficiency ratio | 58.2221% | 5,703 |
| Assets per employee ($millions) | 4.1053% | 3,570 |
| Cash dividends to net income (ytd only)* | 52.4476% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1249% | 1,572 |
| Loan loss allowance to noncurrent loans | 1,338.5057% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 5,208 |
| Noncurrent loans to loans | 0.1588% | 5,926 |
| Net loans and leases to total assets | 53.3296% | 4,690 |
| Net loans and leases to deposits | 63.0352% | 4,619 |
| Net loans and leases to core deposits | 64.3980% | 4,855 |
| Total domestic deposits to total assets | 84.6029% | 4,084 |
| Equity capital to assets | 10.2395% | 3,605 |
| Core capital (leverage) ratio | 9.7688% | 3,838 |
| Tier 1 risk-based capital ratio | 15.3411% | 3,573 |
| Total risk-based capital ratio | 16.5979% | 3,524 |
| Memoranda: | ||
| Average total assets | $399,340,670 | 1,658 |
| Average earning assets | $364,385,330 | 1,662 |
| Average equity | $41,682,000 | 1,700 |
| Average total loans | $215,663,670 | 1,897 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 1,964 |
| Cost of funding earning assets | 0.2766% | 6,122 |
| Net interest margin | 4.2807% | 1,004 |
| Noninterest income to average assets | 1.4246% | 750 |
| Noninterest expense to average assets | 3.1398% | 2,547 |
| Loan and lease loss provision to assets | 0.1810% | 2,047 |
| Net operating income to assets | 2.0098% | 337 |
| Return on assets (ROA) | 2.0098% | 366 |
| Pretax return on assets | 2.0098% | 582 |
| Return on Equity (ROE) | 19.0719% | 353 |
| Retained earnings to average equity (ytd only) | 8.7011% | 1,491 |
| Net charge-offs to loans | 0.2693% | 1,881 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 15.1319% | 1,416 |
| Efficiency ratio | 58.9023% | 5,730 |
| Assets per employee ($millions) | 3.8602% | 4,230 |
| Cash dividends to net income (ytd only)* | 54.3772% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1476% | 1,695 |
| Loan loss allowance to noncurrent loans | 407.6991% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 5,135 |
| Noncurrent loans to loans | 0.5268% | 5,122 |
| Net loans and leases to total assets | 52.7948% | 4,584 |
| Net loans and leases to deposits | 59.9870% | 4,797 |
| Net loans and leases to core deposits | 61.1510% | 5,037 |
| Total domestic deposits to total assets | 88.0104% | 2,305 |
| Equity capital to assets | 10.6101% | 3,424 |
| Core capital (leverage) ratio | 9.6053% | 3,916 |
| Tier 1 risk-based capital ratio | 15.2974% | 3,657 |
| Total risk-based capital ratio | 16.5545% | 3,607 |
| Memoranda: | ||
| Average total assets | $397,853,500 | 1,682 |
| Average earning assets | $363,028,500 | 1,683 |
| Average equity | $41,925,500 | 1,707 |
| Average total loans | $213,890,000 | 1,918 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6449% | 2,824 |
| Cost of funding earning assets | 0.3174% | 6,373 |
| Net interest margin | 4.3275% | 1,333 |
| Noninterest income to average assets | 1.3529% | 845 |
| Noninterest expense to average assets | 3.1259% | 2,855 |
| Loan and lease loss provision to assets | 0.2056% | 3,085 |
| Net operating income to assets | 1.9387% | 403 |
| Return on assets (ROA) | 1.9387% | 440 |
| Pretax return on assets | 1.9387% | 685 |
| Return on Equity (ROE) | 18.8126% | 371 |
| Retained earnings to average equity (ytd only) | 2.9832% | 4,132 |
| Net charge-offs to loans | 0.1603% | 4,102 |
| Credit loss provision to net charge-offs | 250.1511% | 972 |
| Earnings coverage of net charge-offs (x) | 26.0876% | 1,113 |
| Efficiency ratio | 59.3130% | 5,651 |
| Assets per employee ($millions) | 3.9811% | 3,993 |
| Cash dividends to net income (ytd only)* | 84.1424% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1434% | 1,660 |
| Loan loss allowance to noncurrent loans | 361.6297% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 5,114 |
| Noncurrent loans to loans | 0.5927% | 5,047 |
| Net loans and leases to total assets | 52.4206% | 4,858 |
| Net loans and leases to deposits | 59.2789% | 5,096 |
| Net loans and leases to core deposits | 60.3196% | 5,337 |
| Total domestic deposits to total assets | 88.4304% | 1,946 |
| Equity capital to assets | 10.4658% | 3,566 |
| Core capital (leverage) ratio | 9.3327% | 4,358 |
| Tier 1 risk-based capital ratio | 15.0247% | 3,706 |
| Total risk-based capital ratio | 16.2819% | 3,652 |
| Memoranda: | ||
| Average total assets | $402,702,400 | 1,630 |
| Average earning assets | $364,530,400 | 1,640 |
| Average equity | $41,498,800 | 1,679 |
| Average total loans | $206,450,400 | 1,952 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6234% | 3,119 |
| Cost of funding earning assets | 0.3221% | 6,502 |
| Net interest margin | 4.3013% | 1,452 |
| Noninterest income to average assets | 1.3008% | 871 |
| Noninterest expense to average assets | 3.1380% | 2,769 |
| Loan and lease loss provision to assets | 0.1585% | 3,529 |
| Net operating income to assets | 1.8934% | 461 |
| Return on assets (ROA) | 1.8934% | 537 |
| Pretax return on assets | 1.8934% | 883 |
| Return on Equity (ROE) | 18.4443% | 450 |
| Retained earnings to average equity (ytd only) | 4.5057% | 3,726 |
| Net charge-offs to loans | 0.1836% | 3,649 |
| Credit loss provision to net charge-offs | 170.2128% | 1,632 |
| Earnings coverage of net charge-offs (x) | 22.0390% | 1,372 |
| Efficiency ratio | 60.4644% | 5,423 |
| Assets per employee ($millions) | 4.0373% | 3,790 |
| Cash dividends to net income (ytd only)* | 75.5710% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0305% | 2,078 |
| Loan loss allowance to noncurrent loans | 261.6044% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 1.1659% | 3,952 |
| Noncurrent loans to loans | 0.7762% | 4,857 |
| Net loans and leases to total assets | 51.0527% | 5,181 |
| Net loans and leases to deposits | 58.7314% | 5,352 |
| Net loans and leases to core deposits | 59.7659% | 5,580 |
| Total domestic deposits to total assets | 86.9257% | 2,719 |
| Equity capital to assets | 10.4988% | 3,848 |
| Core capital (leverage) ratio | 9.3484% | 4,504 |
| Tier 1 risk-based capital ratio | 15.1619% | 3,736 |
| Total risk-based capital ratio | 16.4178% | 3,677 |
| Memoranda: | ||
| Average total assets | $403,851,750 | 1,634 |
| Average earning assets | $365,148,000 | 1,657 |
| Average equity | $41,457,250 | 1,694 |
| Average total loans | $204,748,000 | 1,984 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 3,387 |
| Cost of funding earning assets | 0.3238% | 6,628 |
| Net interest margin | 4.2707% | 1,545 |
| Noninterest income to average assets | 1.2771% | 876 |
| Noninterest expense to average assets | 3.0652% | 3,033 |
| Loan and lease loss provision to assets | 0.1956% | 3,126 |
| Net operating income to assets | 1.8762% | 485 |
| Return on assets (ROA) | 1.8762% | 555 |
| Pretax return on assets | 1.8762% | 893 |
| Return on Equity (ROE) | 18.4167% | 463 |
| Retained earnings to average equity (ytd only) | 2.6150% | 4,876 |
| Net charge-offs to loans | 0.1134% | 4,040 |
| Credit loss provision to net charge-offs | 343.4783% | 857 |
| Earnings coverage of net charge-offs (x) | 36.3826% | 944 |
| Efficiency ratio | 59.6684% | 5,631 |
| Assets per employee ($millions) | 4.0642% | 3,738 |
| Cash dividends to net income (ytd only)* | 85.8010% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1523% | 1,879 |
| Loan loss allowance to noncurrent loans | 188.4848% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 1.3284% | 3,780 |
| Noncurrent loans to loans | 1.1419% | 4,244 |
| Net loans and leases to total assets | 48.7038% | 5,534 |
| Net loans and leases to deposits | 55.8567% | 5,665 |
| Net loans and leases to core deposits | 56.8295% | 5,877 |
| Total domestic deposits to total assets | 87.1942% | 2,653 |
| Equity capital to assets | 10.1793% | 4,080 |
| Core capital (leverage) ratio | 9.0978% | 4,766 |
| Tier 1 risk-based capital ratio | 15.0872% | 3,714 |
| Total risk-based capital ratio | 16.3437% | 3,674 |
| Memoranda: | ||
| Average total assets | $403,891,670 | 1,636 |
| Average earning assets | $365,046,330 | 1,653 |
| Average equity | $41,147,330 | 1,700 |
| Average total loans | $202,868,000 | 1,999 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 3,114 |
| Cost of funding earning assets | 0.3330% | 6,710 |
| Net interest margin | 4.3510% | 1,332 |
| Noninterest income to average assets | 1.3054% | 835 |
| Noninterest expense to average assets | 3.0708% | 3,015 |
| Loan and lease loss provision to assets | 0.2533% | 2,423 |
| Net operating income to assets | 1.9144% | 485 |
| Return on assets (ROA) | 1.9144% | 557 |
| Pretax return on assets | 1.9144% | 854 |
| Return on Equity (ROE) | 18.7837% | 475 |
| Retained earnings to average equity (ytd only) | 8.2173% | 1,898 |
| Net charge-offs to loans | 0.0098% | 4,585 |
| Credit loss provision to net charge-offs | 5,100.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 436.4000% | 60 |
| Efficiency ratio | 58.6194% | 5,832 |
| Assets per employee ($millions) | 4.1154% | 3,763 |
| Cash dividends to net income (ytd only)* | 56.2532% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1501% | 1,990 |
| Loan loss allowance to noncurrent loans | 148.8981% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 1.4198% | 3,737 |
| Noncurrent loans to loans | 1.4440% | 3,948 |
| Net loans and leases to total assets | 47.8163% | 5,579 |
| Net loans and leases to deposits | 54.5090% | 5,757 |
| Net loans and leases to core deposits | 55.5006% | 5,946 |
| Total domestic deposits to total assets | 87.7218% | 2,512 |
| Equity capital to assets | 9.9322% | 4,217 |
| Core capital (leverage) ratio | 9.1845% | 4,544 |
| Tier 1 risk-based capital ratio | 15.1884% | 3,629 |
| Total risk-based capital ratio | 16.4449% | 3,585 |
| Memoranda: | ||
| Average total assets | $402,625,500 | 1,643 |
| Average earning assets | $363,959,000 | 1,668 |
| Average equity | $41,035,500 | 1,696 |
| Average total loans | $203,153,000 | 2,004 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0054% | 2,856 |
| Cost of funding earning assets | 0.4440% | 6,751 |
| Net interest margin | 4.5614% | 993 |
| Noninterest income to average assets | 1.6285% | 516 |
| Noninterest expense to average assets | 3.2011% | 2,862 |
| Loan and lease loss provision to assets | 0.4989% | 2,110 |
| Net operating income to assets | 2.0566% | 279 |
| Return on assets (ROA) | 2.0816% | 288 |
| Pretax return on assets | 2.0816% | 456 |
| Return on Equity (ROE) | 20.5109% | 246 |
| Retained earnings to average equity (ytd only) | 6.2689% | 1,868 |
| Net charge-offs to loans | 0.6819% | 2,450 |
| Credit loss provision to net charge-offs | 137.6884% | 2,155 |
| Earnings coverage of net charge-offs (x) | 7.0531% | 2,405 |
| Efficiency ratio | 55.6073% | 6,362 |
| Assets per employee ($millions) | 4.1884% | 3,483 |
| Cash dividends to net income (ytd only)* | 69.4365% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9854% | 2,326 |
| Loan loss allowance to noncurrent loans | 397.0760% | 845 |
| Noncurrent assets plus other real estate owned to assets | 1.0071% | 4,598 |
| Noncurrent loans to loans | 0.5000% | 5,708 |
| Net loans and leases to total assets | 51.0844% | 5,450 |
| Net loans and leases to deposits | 58.6858% | 5,635 |
| Net loans and leases to core deposits | 59.8749% | 5,859 |
| Total domestic deposits to total assets | 87.0473% | 2,734 |
| Equity capital to assets | 10.4636% | 3,574 |
| Core capital (leverage) ratio | 9.3299% | 4,282 |
| Tier 1 risk-based capital ratio | 14.9880% | 3,648 |
| Total risk-based capital ratio | 16.2435% | 3,601 |
| Memoranda: | ||
| Average total assets | $384,464,600 | 1,683 |
| Average earning assets | $347,945,200 | 1,705 |
| Average equity | $39,018,200 | 1,728 |
| Average total loans | $204,283,000 | 2,000 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0268% | 2,957 |
| Cost of funding earning assets | 0.4706% | 6,811 |
| Net interest margin | 4.5562% | 1,030 |
| Noninterest income to average assets | 1.3593% | 709 |
| Noninterest expense to average assets | 3.2025% | 2,827 |
| Loan and lease loss provision to assets | 0.2948% | 3,166 |
| Net operating income to assets | 1.9866% | 349 |
| Return on assets (ROA) | 2.0201% | 357 |
| Pretax return on assets | 2.0201% | 605 |
| Return on Equity (ROE) | 20.0651% | 312 |
| Retained earnings to average equity (ytd only) | 5.0457% | 3,143 |
| Net charge-offs to loans | 0.8468% | 1,880 |
| Credit loss provision to net charge-offs | 65.2006% | 4,624 |
| Earnings coverage of net charge-offs (x) | 5.0455% | 2,888 |
| Efficiency ratio | 58.3980% | 5,954 |
| Assets per employee ($millions) | 3.9049% | 4,061 |
| Cash dividends to net income (ytd only)* | 74.8531% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 4,094 |
| Loan loss allowance to noncurrent loans | 242.4100% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9563% | 4,830 |
| Noncurrent loans to loans | 0.6189% | 5,650 |
| Net loans and leases to total assets | 52.6130% | 5,373 |
| Net loans and leases to deposits | 61.6501% | 5,446 |
| Net loans and leases to core deposits | 63.0363% | 5,711 |
| Total domestic deposits to total assets | 85.3413% | 3,589 |
| Equity capital to assets | 10.5778% | 3,602 |
| Core capital (leverage) ratio | 9.1462% | 4,717 |
| Tier 1 risk-based capital ratio | 14.7686% | 3,791 |
| Total risk-based capital ratio | 16.0190% | 3,771 |
| Memoranda: | ||
| Average total assets | $382,153,500 | 1,703 |
| Average earning assets | $345,950,250 | 1,725 |
| Average equity | $38,473,750 | 1,753 |
| Average total loans | $204,054,250 | 2,027 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9997% | 3,160 |
| Cost of funding earning assets | 0.4939% | 6,866 |
| Net interest margin | 4.5058% | 1,120 |
| Noninterest income to average assets | 1.3266% | 716 |
| Noninterest expense to average assets | 3.1754% | 2,986 |
| Loan and lease loss provision to assets | 0.3100% | 2,932 |
| Net operating income to assets | 1.9297% | 385 |
| Return on assets (ROA) | 1.9802% | 370 |
| Pretax return on assets | 1.9802% | 608 |
| Return on Equity (ROE) | 20.0119% | 309 |
| Retained earnings to average equity (ytd only) | 2.7504% | 4,532 |
| Net charge-offs to loans | 1.2576% | 1,236 |
| Credit loss provision to net charge-offs | 46.1659% | 4,673 |
| Earnings coverage of net charge-offs (x) | 3.3357% | 3,206 |
| Efficiency ratio | 58.6398% | 6,080 |
| Assets per employee ($millions) | 3.8010% | 4,190 |
| Cash dividends to net income (ytd only)* | 86.2563% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 4,521 |
| Loan loss allowance to noncurrent loans | 255.2186% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.9742% | 4,919 |
| Noncurrent loans to loans | 0.5525% | 5,812 |
| Net loans and leases to total assets | 52.6243% | 5,486 |
| Net loans and leases to deposits | 62.4996% | 5,449 |
| Net loans and leases to core deposits | 64.1375% | 5,710 |
| Total domestic deposits to total assets | 84.1994% | 4,261 |
| Equity capital to assets | 10.1434% | 3,962 |
| Core capital (leverage) ratio | 8.8720% | 4,926 |
| Tier 1 risk-based capital ratio | 14.4998% | 3,786 |
| Total risk-based capital ratio | 15.7070% | 3,790 |
| Memoranda: | ||
| Average total assets | $380,677,000 | 1,720 |
| Average earning assets | $345,424,000 | 1,734 |
| Average equity | $37,667,670 | 1,781 |
| Average total loans | $203,242,000 | 2,056 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9833% | 3,175 |
| Cost of funding earning assets | 0.5337% | 6,848 |
| Net interest margin | 4.4496% | 1,175 |
| Noninterest income to average assets | 1.3870% | 675 |
| Noninterest expense to average assets | 3.2066% | 2,873 |
| Loan and lease loss provision to assets | 0.3517% | 2,447 |
| Net operating income to assets | 1.8731% | 424 |
| Return on assets (ROA) | 1.9739% | 378 |
| Pretax return on assets | 1.9739% | 582 |
| Return on Equity (ROE) | 20.2020% | 321 |
| Retained earnings to average equity (ytd only) | 8.5536% | 1,538 |
| Net charge-offs to loans | 2.4462% | 476 |
| Credit loss provision to net charge-offs | 26.9293% | 4,169 |
| Earnings coverage of net charge-offs (x) | 1.7034% | 3,461 |
| Efficiency ratio | 59.0373% | 6,125 |
| Assets per employee ($millions) | 3.9116% | 4,047 |
| Cash dividends to net income (ytd only)* | 57.6596% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 5,005 |
| Loan loss allowance to noncurrent loans | 208.3662% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.9840% | 4,939 |
| Noncurrent loans to loans | 0.6367% | 5,763 |
| Net loans and leases to total assets | 50.1990% | 5,822 |
| Net loans and leases to deposits | 56.2497% | 6,107 |
| Net loans and leases to core deposits | 57.5796% | 6,295 |
| Total domestic deposits to total assets | 89.2432% | 1,619 |
| Equity capital to assets | 9.6081% | 4,304 |
| Core capital (leverage) ratio | 9.0525% | 4,525 |
| Tier 1 risk-based capital ratio | 14.8544% | 3,501 |
| Total risk-based capital ratio | 15.9864% | 3,545 |
| Memoranda: | ||
| Average total assets | $380,965,500 | 1,728 |
| Average earning assets | $346,279,000 | 1,737 |
| Average equity | $37,224,000 | 1,790 |
| Average total loans | $203,420,000 | 2,073 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4161% | 2,599 |
| Cost of funding earning assets | 0.6802% | 6,930 |
| Net interest margin | 4.7359% | 754 |
| Noninterest income to average assets | 1.5706% | 595 |
| Noninterest expense to average assets | 3.2944% | 2,757 |
| Loan and lease loss provision to assets | 0.3431% | 4,087 |
| Net operating income to assets | 2.2433% | 173 |
| Return on assets (ROA) | 2.2433% | 179 |
| Pretax return on assets | 2.2433% | 289 |
| Return on Equity (ROE) | 23.7710% | 123 |
| Retained earnings to average equity (ytd only) | 9.6691% | 578 |
| Net charge-offs to loans | 0.9123% | 2,365 |
| Credit loss provision to net charge-offs | 64.5404% | 5,995 |
| Earnings coverage of net charge-offs (x) | 4.8659% | 2,776 |
| Efficiency ratio | 56.0196% | 6,590 |
| Assets per employee ($millions) | 3.6350% | 4,617 |
| Cash dividends to net income (ytd only)* | 59.3241% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7075% | 3,189 |
| Loan loss allowance to noncurrent loans | 79.0599% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.2833% | 4,461 |
| Noncurrent loans to loans | 2.1598% | 3,358 |
| Net loans and leases to total assets | 55.0994% | 5,473 |
| Net loans and leases to deposits | 62.9213% | 5,754 |
| Net loans and leases to core deposits | 64.5174% | 6,013 |
| Total domestic deposits to total assets | 87.5686% | 2,505 |
| Equity capital to assets | 9.9428% | 3,821 |
| Core capital (leverage) ratio | 8.8341% | 4,804 |
| Tier 1 risk-based capital ratio | 14.4809% | 3,557 |
| Total risk-based capital ratio | 15.7340% | 3,512 |
| Memoranda: | ||
| Average total assets | $374,577,600 | 1,759 |
| Average earning assets | $340,909,600 | 1,751 |
| Average equity | $35,349,800 | 1,875 |
| Average total loans | $218,241,800 | 1,983 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4552% | 2,624 |
| Cost of funding earning assets | 0.6917% | 7,083 |
| Net interest margin | 4.7635% | 727 |
| Noninterest income to average assets | 1.5203% | 592 |
| Noninterest expense to average assets | 3.3239% | 2,502 |
| Loan and lease loss provision to assets | 0.3018% | 4,160 |
| Net operating income to assets | 2.2272% | 225 |
| Return on assets (ROA) | 2.2272% | 241 |
| Pretax return on assets | 2.2272% | 385 |
| Return on Equity (ROE) | 23.9164% | 141 |
| Retained earnings to average equity (ytd only) | 7.3926% | 1,648 |
| Net charge-offs to loans | 0.2355% | 4,530 |
| Credit loss provision to net charge-offs | 217.9487% | 1,587 |
| Earnings coverage of net charge-offs (x) | 18.2640% | 1,272 |
| Efficiency ratio | 56.7910% | 6,442 |
| Assets per employee ($millions) | 3.6984% | 4,514 |
| Cash dividends to net income (ytd only)* | 69.0897% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2219% | 1,760 |
| Loan loss allowance to noncurrent loans | 79.7530% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.6174% | 4,023 |
| Noncurrent loans to loans | 2.7860% | 2,859 |
| Net loans and leases to total assets | 53.9447% | 5,858 |
| Net loans and leases to deposits | 61.7598% | 6,142 |
| Net loans and leases to core deposits | 63.2434% | 6,352 |
| Total domestic deposits to total assets | 87.3460% | 2,346 |
| Equity capital to assets | 9.6293% | 4,652 |
| Core capital (leverage) ratio | 8.3164% | 5,842 |
| Tier 1 risk-based capital ratio | 13.5123% | 4,202 |
| Total risk-based capital ratio | 14.7710% | 4,139 |
| Memoranda: | ||
| Average total assets | $375,529,000 | 1,776 |
| Average earning assets | $341,562,500 | 1,776 |
| Average equity | $34,971,000 | 1,916 |
| Average total loans | $220,841,750 | 1,993 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5321% | 2,399 |
| Cost of funding earning assets | 0.6948% | 7,206 |
| Net interest margin | 4.8373% | 615 |
| Noninterest income to average assets | 1.5071% | 567 |
| Noninterest expense to average assets | 3.2827% | 2,615 |
| Loan and lease loss provision to assets | 0.3812% | 3,429 |
| Net operating income to assets | 2.2357% | 214 |
| Return on assets (ROA) | 2.2357% | 235 |
| Pretax return on assets | 2.2357% | 383 |
| Return on Equity (ROE) | 24.2924% | 142 |
| Retained earnings to average equity (ytd only) | 5.3264% | 2,711 |
| Net charge-offs to loans | 0.2467% | 4,112 |
| Credit loss provision to net charge-offs | 257.2464% | 1,479 |
| Earnings coverage of net charge-offs (x) | 17.6594% | 1,329 |
| Efficiency ratio | 55.6425% | 6,683 |
| Assets per employee ($millions) | 3.5054% | 4,917 |
| Cash dividends to net income (ytd only)* | 78.0740% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1059% | 1,952 |
| Loan loss allowance to noncurrent loans | 77.8516% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.7307% | 3,852 |
| Noncurrent loans to loans | 2.7050% | 2,948 |
| Net loans and leases to total assets | 57.5768% | 5,478 |
| Net loans and leases to deposits | 65.8660% | 5,818 |
| Net loans and leases to core deposits | 67.3890% | 6,105 |
| Total domestic deposits to total assets | 87.4151% | 2,315 |
| Equity capital to assets | 9.2083% | 5,134 |
| Core capital (leverage) ratio | 8.3415% | 5,687 |
| Tier 1 risk-based capital ratio | 12.6829% | 4,703 |
| Total risk-based capital ratio | 13.9411% | 4,669 |
| Memoranda: | ||
| Average total assets | $372,495,670 | 1,803 |
| Average earning assets | $338,246,000 | 1,810 |
| Average equity | $34,282,330 | 1,949 |
| Average total loans | $223,721,670 | 1,991 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5558% | 2,341 |
| Cost of funding earning assets | 0.7129% | 7,308 |
| Net interest margin | 4.8428% | 581 |
| Noninterest income to average assets | 1.5731% | 493 |
| Noninterest expense to average assets | 3.2080% | 2,825 |
| Loan and lease loss provision to assets | 0.5738% | 2,202 |
| Net operating income to assets | 2.1892% | 257 |
| Return on assets (ROA) | 2.1892% | 282 |
| Pretax return on assets | 2.1892% | 432 |
| Return on Equity (ROE) | 23.7931% | 198 |
| Retained earnings to average equity (ytd only) | 11.0376% | 916 |
| Net charge-offs to loans | 0.2212% | 3,606 |
| Credit loss provision to net charge-offs | 427.4194% | 975 |
| Earnings coverage of net charge-offs (x) | 20.5806% | 1,152 |
| Efficiency ratio | 53.7262% | 6,997 |
| Assets per employee ($millions) | 3.3700% | 5,370 |
| Cash dividends to net income (ytd only)* | 53.6103% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1014% | 1,952 |
| Loan loss allowance to noncurrent loans | 75.3597% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.7841% | 3,812 |
| Noncurrent loans to loans | 2.7885% | 2,869 |
| Net loans and leases to total assets | 58.0486% | 5,430 |
| Net loans and leases to deposits | 66.6593% | 5,749 |
| Net loans and leases to core deposits | 68.1033% | 6,089 |
| Total domestic deposits to total assets | 87.0825% | 2,588 |
| Equity capital to assets | 9.1950% | 4,993 |
| Core capital (leverage) ratio | 8.2407% | 5,846 |
| Tier 1 risk-based capital ratio | 12.5692% | 4,673 |
| Total risk-based capital ratio | 13.8267% | 4,635 |
| Memoranda: | ||
| Average total assets | $369,453,000 | 1,857 |
| Average earning assets | $335,508,000 | 1,866 |
| Average equity | $33,993,000 | 1,987 |
| Average total loans | $224,250,500 | 2,042 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0215% | 1,782 |
| Cost of funding earning assets | 1.0007% | 7,205 |
| Net interest margin | 5.0209% | 429 |
| Noninterest income to average assets | 1.6622% | 522 |
| Noninterest expense to average assets | 3.7075% | 1,897 |
| Loan and lease loss provision to assets | 0.1651% | 6,040 |
| Net operating income to assets | 2.3623% | 108 |
| Return on assets (ROA) | 2.4682% | 103 |
| Pretax return on assets | 2.4682% | 167 |
| Return on Equity (ROE) | 27.6755% | 64 |
| Retained earnings to average equity (ytd only) | 13.1543% | 145 |
| Net charge-offs to loans | 0.5017% | 3,767 |
| Credit loss provision to net charge-offs | 51.2889% | 6,728 |
| Earnings coverage of net charge-offs (x) | 7.8516% | 2,054 |
| Efficiency ratio | 59.4631% | 6,562 |
| Assets per employee ($millions) | 3.3167% | 5,462 |
| Cash dividends to net income (ytd only)* | 52.4693% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 2,327 |
| Loan loss allowance to noncurrent loans | 70.5756% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.7619% | 3,731 |
| Noncurrent loans to loans | 2.6595% | 2,886 |
| Net loans and leases to total assets | 60.9706% | 5,197 |
| Net loans and leases to deposits | 70.8616% | 5,487 |
| Net loans and leases to core deposits | 78.5458% | 6,216 |
| Total domestic deposits to total assets | 86.0418% | 2,997 |
| Equity capital to assets | 9.2070% | 4,836 |
| Core capital (leverage) ratio | 8.2077% | 5,800 |
| Tier 1 risk-based capital ratio | 12.0657% | 4,888 |
| Total risk-based capital ratio | 13.3211% | 4,847 |
| Memoranda: | ||
| Average total assets | $349,485,000 | 1,948 |
| Average earning assets | $318,291,200 | 1,961 |
| Average equity | $31,168,400 | 2,156 |
| Average total loans | $224,247,200 | 2,067 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1008% | 1,652 |
| Cost of funding earning assets | 1.0576% | 7,271 |
| Net interest margin | 5.0433% | 407 |
| Noninterest income to average assets | 1.6668% | 530 |
| Noninterest expense to average assets | 3.7224% | 1,769 |
| Loan and lease loss provision to assets | 0.1458% | 5,903 |
| Net operating income to assets | 2.3974% | 124 |
| Return on assets (ROA) | 2.4703% | 118 |
| Pretax return on assets | 2.4703% | 201 |
| Return on Equity (ROE) | 27.9372% | 78 |
| Retained earnings to average equity (ytd only) | 11.0021% | 473 |
| Net charge-offs to loans | 0.6499% | 2,733 |
| Credit loss provision to net charge-offs | 34.6789% | 6,472 |
| Earnings coverage of net charge-offs (x) | 6.0486% | 2,675 |
| Efficiency ratio | 59.4102% | 6,496 |
| Assets per employee ($millions) | 3.3066% | 5,384 |
| Cash dividends to net income (ytd only)* | 60.6184% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 2,280 |
| Loan loss allowance to noncurrent loans | 320.3602% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 6,186 |
| Noncurrent loans to loans | 0.5617% | 6,189 |
| Net loans and leases to total assets | 60.8222% | 5,453 |
| Net loans and leases to deposits | 70.2390% | 5,885 |
| Net loans and leases to core deposits | 77.5198% | 6,525 |
| Total domestic deposits to total assets | 86.5933% | 2,382 |
| Equity capital to assets | 8.7150% | 5,935 |
| Core capital (leverage) ratio | 8.0811% | 6,215 |
| Tier 1 risk-based capital ratio | 11.5290% | 5,403 |
| Total risk-based capital ratio | 12.7838% | 5,353 |
| Memoranda: | ||
| Average total assets | $345,648,000 | 1,984 |
| Average earning assets | $315,184,500 | 1,998 |
| Average equity | $30,563,000 | 2,215 |
| Average total loans | $223,635,000 | 2,105 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2092% | 1,423 |
| Cost of funding earning assets | 1.1442% | 7,262 |
| Net interest margin | 5.0650% | 377 |
| Noninterest income to average assets | 1.7127% | 501 |
| Noninterest expense to average assets | 3.7558% | 1,733 |
| Loan and lease loss provision to assets | 0.1489% | 5,588 |
| Net operating income to assets | 2.4188% | 123 |
| Return on assets (ROA) | 2.5304% | 119 |
| Pretax return on assets | 2.5304% | 204 |
| Return on Equity (ROE) | 28.4695% | 85 |
| Retained earnings to average equity (ytd only) | 11.2535% | 529 |
| Net charge-offs to loans | 0.8147% | 2,056 |
| Credit loss provision to net charge-offs | 27.8146% | 6,056 |
| Earnings coverage of net charge-offs (x) | 4.7969% | 3,000 |
| Efficiency ratio | 59.3946% | 6,635 |
| Assets per employee ($millions) | 3.2024% | 5,580 |
| Cash dividends to net income (ytd only)* | 60.4716% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 1,967 |
| Loan loss allowance to noncurrent loans | 272.9605% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.5609% | 6,021 |
| Noncurrent loans to loans | 0.6701% | 5,907 |
| Net loans and leases to total assets | 64.3810% | 4,901 |
| Net loans and leases to deposits | 76.6005% | 5,083 |
| Net loans and leases to core deposits | 85.1848% | 5,993 |
| Total domestic deposits to total assets | 84.0478% | 3,740 |
| Equity capital to assets | 8.7698% | 5,640 |
| Core capital (leverage) ratio | 8.0151% | 6,305 |
| Tier 1 risk-based capital ratio | 11.0389% | 5,838 |
| Total risk-based capital ratio | 12.2936% | 5,751 |
| Memoranda: | ||
| Average total assets | $338,520,000 | 2,046 |
| Average earning assets | $308,153,670 | 2,067 |
| Average equity | $30,088,330 | 2,257 |
| Average total loans | $222,404,000 | 2,141 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2046% | 1,590 |
| Cost of funding earning assets | 1.2753% | 7,100 |
| Net interest margin | 4.9293% | 477 |
| Noninterest income to average assets | 1.6819% | 483 |
| Noninterest expense to average assets | 3.7306% | 1,596 |
| Loan and lease loss provision to assets | 0.1529% | 4,976 |
| Net operating income to assets | 2.2912% | 195 |
| Return on assets (ROA) | 2.5169% | 160 |
| Pretax return on assets | 2.5169% | 252 |
| Return on Equity (ROE) | 28.1243% | 126 |
| Retained earnings to average equity (ytd only) | 10.7985% | 1,008 |
| Net charge-offs to loans | 0.0636% | 4,572 |
| Credit loss provision to net charge-offs | 365.7143% | 1,396 |
| Earnings coverage of net charge-offs (x) | 58.4571% | 658 |
| Efficiency ratio | 60.4179% | 6,335 |
| Assets per employee ($millions) | 3.1992% | 5,594 |
| Cash dividends to net income (ytd only)* | 61.6042% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2199% | 1,059 |
| Loan loss allowance to noncurrent loans | 195.9184% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.8018% | 5,171 |
| Noncurrent loans to loans | 1.1331% | 4,724 |
| Net loans and leases to total assets | 63.5945% | 5,055 |
| Net loans and leases to deposits | 74.4549% | 5,425 |
| Net loans and leases to core deposits | 82.1836% | 6,225 |
| Total domestic deposits to total assets | 85.4135% | 3,010 |
| Equity capital to assets | 8.9433% | 5,420 |
| Core capital (leverage) ratio | 8.0576% | 6,368 |
| Tier 1 risk-based capital ratio | 11.1618% | 5,745 |
| Total risk-based capital ratio | 12.4213% | 5,650 |
| Memoranda: | ||
| Average total assets | $334,851,000 | 2,080 |
| Average earning assets | $305,193,500 | 2,090 |
| Average equity | $29,967,000 | 2,278 |
| Average total loans | $220,198,000 | 2,176 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6523% | 2,234 |
| Cost of funding earning assets | 1.7637% | 7,102 |
| Net interest margin | 4.8885% | 645 |
| Noninterest income to average assets | 1.5325% | 599 |
| Noninterest expense to average assets | 3.3904% | 2,708 |
| Loan and lease loss provision to assets | 0.1584% | 5,343 |
| Net operating income to assets | 2.4333% | 145 |
| Return on assets (ROA) | 2.4339% | 145 |
| Pretax return on assets | 2.4339% | 229 |
| Return on Equity (ROE) | 29.1247% | 71 |
| Retained earnings to average equity (ytd only) | 5.5245% | 1,755 |
| Net charge-offs to loans | 0.1126% | 5,142 |
| Credit loss provision to net charge-offs | 212.6531% | 2,271 |
| Earnings coverage of net charge-offs (x) | 34.8041% | 1,044 |
| Efficiency ratio | 56.6762% | 6,915 |
| Assets per employee ($millions) | 3.1188% | 5,723 |
| Cash dividends to net income (ytd only)* | 81.0315% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1848% | 965 |
| Loan loss allowance to noncurrent loans | 190.5196% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8291% | 4,774 |
| Noncurrent loans to loans | 1.1467% | 4,252 |
| Net loans and leases to total assets | 65.0474% | 5,050 |
| Net loans and leases to deposits | 76.4091% | 5,546 |
| Net loans and leases to core deposits | 83.6692% | 6,322 |
| Total domestic deposits to total assets | 85.1304% | 2,783 |
| Equity capital to assets | 8.9556% | 5,426 |
| Core capital (leverage) ratio | 8.0857% | 6,346 |
| Tier 1 risk-based capital ratio | 10.8644% | 5,845 |
| Total risk-based capital ratio | 12.1234% | 5,753 |
| Memoranda: | ||
| Average total assets | $329,012,800 | 2,031 |
| Average earning assets | $299,476,600 | 2,042 |
| Average equity | $27,495,600 | 2,440 |
| Average total loans | $217,643,200 | 2,153 |