Home > Citizens Bank of the Midwest > Performance and Condition Ratios
Citizens Bank of the Midwest, 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 | 5.8620% | 756 |
| Cost of funding earning assets | 2.6263% | 282 |
| Net interest margin | 3.2357% | 2,782 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.1888% | 3,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8172% | 2,814 |
| Return on assets (ROA) | 0.8135% | 2,809 |
| Pretax return on assets | 1.1711% | 2,211 |
| Return on Equity (ROE) | 15.9800% | 1,098 |
| Retained earnings to average equity (ytd only) | 9.3686% | 1,166 |
| Net charge-offs to loans | 0.0306% | 1,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 53.3023% | 1,259 |
| Efficiency ratio | 65.0556% | 2,472 |
| Assets per employee ($millions) | 6.2086% | 2,629 |
| Cash dividends to net income (ytd only)* | 41.3619% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 1,326 |
| Loan loss allowance to noncurrent loans | 588.2682% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 1.6055% | 224 |
| Noncurrent loans to loans | 0.2408% | 2,345 |
| Net loans and leases to total assets | 69.4200% | 1,876 |
| Net loans and leases to deposits | 86.3263% | 1,593 |
| Net loans and leases to core deposits | 105.4387% | 1,140 |
| Total domestic deposits to total assets | 80.4200% | 3,396 |
| Equity capital to assets | 5.1006% | 4,398 |
| Core capital (leverage) ratio | 8.4857% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4472% | 2,087 |
| Memoranda: | ||
| Average total assets | $194,950,400 | 3,017 |
| Average earning assets | $175,263,800 | 3,049 |
| Average equity | $9,926,800 | 3,731 |
| Average total loans | $140,699,000 | 2,763 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7315% | 758 |
| Cost of funding earning assets | 2.4248% | 321 |
| Net interest margin | 3.3068% | 2,669 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.1608% | 3,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0923% | 2,081 |
| Return on assets (ROA) | 1.0874% | 2,079 |
| Pretax return on assets | 1.3933% | 1,794 |
| Return on Equity (ROE) | 21.3600% | 608 |
| Retained earnings to average equity (ytd only) | 14.7096% | 592 |
| Net charge-offs to loans | 0.0384% | 1,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 50.1000% | 1,316 |
| Efficiency ratio | 60.6905% | 2,889 |
| Assets per employee ($millions) | 5.8090% | 2,921 |
| Cash dividends to net income (ytd only)* | 31.1496% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 1,170 |
| Loan loss allowance to noncurrent loans | 400.1898% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 1.7480% | 181 |
| Noncurrent loans to loans | 0.3692% | 1,911 |
| Net loans and leases to total assets | 69.1700% | 1,921 |
| Net loans and leases to deposits | 93.0246% | 965 |
| Net loans and leases to core deposits | 100.0391% | 1,319 |
| Total domestic deposits to total assets | 74.3600% | 4,134 |
| Equity capital to assets | 4.4527% | 4,342 |
| Core capital (leverage) ratio | 8.7991% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $190,915,000 | 3,053 |
| Average earning assets | $171,119,250 | 3,092 |
| Average equity | $9,716,750 | 3,755 |
| Average total loans | $138,711,000 | 2,791 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6762% | 663 |
| Cost of funding earning assets | 2.2325% | 317 |
| Net interest margin | 3.4438% | 2,407 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.1940% | 3,097 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3821% | 1,379 |
| Return on assets (ROA) | 1.3770% | 1,368 |
| Pretax return on assets | 1.7197% | 1,172 |
| Return on Equity (ROE) | 25.8800% | 341 |
| Retained earnings to average equity (ytd only) | 19.5412% | 264 |
| Net charge-offs to loans | -0.0044% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.9683% | 3,421 |
| Assets per employee ($millions) | 5.1584% | 3,448 |
| Cash dividends to net income (ytd only)* | 24.4946% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 1,117 |
| Loan loss allowance to noncurrent loans | 630.7918% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 1.7657% | 171 |
| Noncurrent loans to loans | 0.2409% | 2,300 |
| Net loans and leases to total assets | 73.0300% | 1,407 |
| Net loans and leases to deposits | 83.5483% | 1,715 |
| Net loans and leases to core deposits | 89.4784% | 1,827 |
| Total domestic deposits to total assets | 87.4100% | 1,800 |
| Equity capital to assets | 5.4915% | 4,295 |
| Core capital (leverage) ratio | 9.1375% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $186,781,667 | 3,091 |
| Average earning assets | $167,258,333 | 3,131 |
| Average equity | $9,938,000 | 3,753 |
| Average total loans | $137,368,333 | 2,800 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6241% | 503 |
| Cost of funding earning assets | 1.9847% | 306 |
| Net interest margin | 3.6394% | 2,033 |
| Noninterest income to average assets | 1.5200% | 324 |
| Noninterest expense to average assets | 2.2951% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9850% | 503 |
| Return on assets (ROA) | 1.9746% | 502 |
| Pretax return on assets | 2.4618% | 375 |
| Return on Equity (ROE) | 37.7400% | 131 |
| Retained earnings to average equity (ytd only) | 24.7039% | 186 |
| Net charge-offs to loans | -0.0030% | 3,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.1162% | 4,074 |
| Assets per employee ($millions) | 4.6658% | 3,922 |
| Cash dividends to net income (ytd only)* | 34.5395% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 1,175 |
| Loan loss allowance to noncurrent loans | 581.0811% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 1.7779% | 159 |
| Noncurrent loans to loans | 0.2633% | 2,204 |
| Net loans and leases to total assets | 72.3200% | 1,393 |
| Net loans and leases to deposits | 80.2806% | 1,797 |
| Net loans and leases to core deposits | 85.8616% | 1,875 |
| Total domestic deposits to total assets | 90.0900% | 1,128 |
| Equity capital to assets | 5.5521% | 4,330 |
| Core capital (leverage) ratio | 9.1646% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $184,743,000 | 3,138 |
| Average earning assets | $164,861,500 | 3,194 |
| Average equity | $9,666,500 | 3,822 |
| Average total loans | $135,288,500 | 2,849 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 462 |
| Cost of funding earning assets | 1.2577% | 59 |
| Net interest margin | 3.4989% | 1,938 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.4455% | 2,285 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8251% | 3,236 |
| Return on assets (ROA) | 0.8237% | 3,175 |
| Pretax return on assets | 0.9855% | 3,113 |
| Return on Equity (ROE) | 12.5700% | 1,943 |
| Retained earnings to average equity (ytd only) | 6.3651% | 2,507 |
| Net charge-offs to loans | -0.0886% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.2429% | 1,533 |
| Assets per employee ($millions) | 4.3461% | 4,117 |
| Cash dividends to net income (ytd only)* | 49.3568% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 877 |
| Loan loss allowance to noncurrent loans | 268.8360% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 2.9749% | 44 |
| Noncurrent loans to loans | 0.6143% | 1,215 |
| Net loans and leases to total assets | 71.7900% | 1,441 |
| Net loans and leases to deposits | 77.2751% | 2,013 |
| Net loans and leases to core deposits | 85.5342% | 1,784 |
| Total domestic deposits to total assets | 92.9000% | 430 |
| Equity capital to assets | 4.8892% | 4,387 |
| Core capital (leverage) ratio | 9.3054% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $179,307,400 | 3,198 |
| Average earning assets | $159,420,200 | 3,252 |
| Average equity | $11,751,600 | 3,688 |
| Average total loans | $125,289,600 | 2,875 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 445 |
| Cost of funding earning assets | 1.1374% | 32 |
| Net interest margin | 3.4423% | 1,833 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.3936% | 2,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8081% | 3,227 |
| Return on assets (ROA) | 0.8063% | 3,198 |
| Pretax return on assets | 0.9770% | 3,085 |
| Return on Equity (ROE) | 11.5700% | 2,183 |
| Retained earnings to average equity (ytd only) | 6.1169% | 2,714 |
| Net charge-offs to loans | -0.0086% | 3,655 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.9663% | 1,646 |
| Assets per employee ($millions) | 4.4786% | 4,072 |
| Cash dividends to net income (ytd only)* | 47.1455% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 1,049 |
| Loan loss allowance to noncurrent loans | 274.8656% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 2.8744% | 58 |
| Noncurrent loans to loans | 0.5847% | 1,376 |
| Net loans and leases to total assets | 68.1800% | 1,659 |
| Net loans and leases to deposits | 72.0919% | 2,195 |
| Net loans and leases to core deposits | 78.7449% | 1,989 |
| Total domestic deposits to total assets | 94.5800% | 273 |
| Equity capital to assets | 5.2254% | 4,224 |
| Core capital (leverage) ratio | 9.0769% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $179,587,000 | 3,214 |
| Average earning assets | $159,774,750 | 3,271 |
| Average equity | $12,511,500 | 3,656 |
| Average total loans | $124,093,750 | 2,887 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4287% | 419 |
| Cost of funding earning assets | 0.9477% | 47 |
| Net interest margin | 3.4810% | 1,369 |
| Noninterest income to average assets | 0.3344% | 3,154 |
| Noninterest expense to average assets | 2.3597% | 2,372 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8813% | 2,665 |
| Return on assets (ROA) | 0.8786% | 2,654 |
| Pretax return on assets | 1.0749% | 2,498 |
| Return on Equity (ROE) | 11.6141% | 1,788 |
| Retained earnings to average equity (ytd only) | 6.5561% | 2,155 |
| Net charge-offs to loans | -0.0114% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6358% | 2,151 |
| Assets per employee ($millions) | 3.9289% | 4,400 |
| Cash dividends to net income (ytd only)* | 43.5504% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6809% | 990 |
| Loan loss allowance to noncurrent loans | 210.7216% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 3.1850% | 50 |
| Noncurrent loans to loans | 0.7977% | 1,077 |
| Net loans and leases to total assets | 69.1608% | 1,382 |
| Net loans and leases to deposits | 73.9241% | 1,877 |
| Net loans and leases to core deposits | 78.1605% | 1,846 |
| Total domestic deposits to total assets | 93.5565% | 378 |
| Equity capital to assets | 6.2364% | 4,122 |
| Core capital (leverage) ratio | 9.3230% | 3,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,242,000 | 3,258 |
| Average earning assets | $158,917,667 | 3,322 |
| Average equity | $13,483,667 | 3,636 |
| Average total loans | $123,042,667 | 2,915 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 400 |
| Cost of funding earning assets | 0.8512% | 66 |
| Net interest margin | 3.5157% | 1,063 |
| Noninterest income to average assets | 0.3051% | 3,280 |
| Noninterest expense to average assets | 2.3147% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9860% | 1,937 |
| Return on assets (ROA) | 0.9860% | 1,934 |
| Pretax return on assets | 1.1408% | 2,014 |
| Return on Equity (ROE) | 12.0256% | 1,306 |
| Retained earnings to average equity (ytd only) | 7.4149% | 1,759 |
| Net charge-offs to loans | -0.0065% | 3,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9866% | 2,638 |
| Assets per employee ($millions) | 3.8057% | 4,471 |
| Cash dividends to net income (ytd only)* | 38.3408% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 1,229 |
| Loan loss allowance to noncurrent loans | 336.4686% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 2.6813% | 79 |
| Noncurrent loans to loans | 0.4799% | 1,827 |
| Net loans and leases to total assets | 68.0159% | 1,210 |
| Net loans and leases to deposits | 73.6068% | 1,644 |
| Net loans and leases to core deposits | 77.4683% | 1,659 |
| Total domestic deposits to total assets | 92.4044% | 431 |
| Equity capital to assets | 7.3427% | 4,024 |
| Core capital (leverage) ratio | 9.2688% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,927,500 | 3,246 |
| Average earning assets | $162,129,500 | 3,305 |
| Average equity | $14,835,000 | 3,577 |
| Average total loans | $123,762,500 | 2,911 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5507% | 551 |
| Cost of funding earning assets | 0.8915% | 126 |
| Net interest margin | 3.6592% | 1,322 |
| Noninterest income to average assets | 0.4273% | 2,913 |
| Noninterest expense to average assets | 2.6549% | 1,742 |
| Loan and lease loss provision to assets | -0.1021% | 4,533 |
| Net operating income to assets | 0.9746% | 2,775 |
| Return on assets (ROA) | 0.8787% | 3,174 |
| Pretax return on assets | 1.0202% | 3,199 |
| Return on Equity (ROE) | 9.4226% | 2,748 |
| Retained earnings to average equity (ytd only) | 6.9111% | 1,951 |
| Net charge-offs to loans | -0.1590% | 4,673 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0567% | 1,506 |
| Assets per employee ($millions) | 4.0723% | 4,401 |
| Cash dividends to net income (ytd only)* | 26.6533% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 1,090 |
| Loan loss allowance to noncurrent loans | 262.3711% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 2.8117% | 83 |
| Noncurrent loans to loans | 0.6401% | 1,556 |
| Net loans and leases to total assets | 66.5264% | 1,416 |
| Net loans and leases to deposits | 77.9407% | 1,404 |
| Net loans and leases to core deposits | 80.5171% | 1,554 |
| Total domestic deposits to total assets | 85.3552% | 3,153 |
| Equity capital to assets | 9.0728% | 3,544 |
| Core capital (leverage) ratio | 9.5341% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,362,400 | 3,298 |
| Average earning assets | $151,647,200 | 3,365 |
| Average equity | $15,887,400 | 3,550 |
| Average total loans | $109,423,200 | 3,085 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 635 |
| Cost of funding earning assets | 0.9165% | 131 |
| Net interest margin | 3.6178% | 1,555 |
| Noninterest income to average assets | 0.4020% | 3,071 |
| Noninterest expense to average assets | 2.6546% | 1,693 |
| Loan and lease loss provision to assets | -0.1380% | 4,675 |
| Net operating income to assets | 1.0934% | 2,581 |
| Return on assets (ROA) | 0.9427% | 3,192 |
| Pretax return on assets | 0.9427% | 3,599 |
| Return on Equity (ROE) | 10.0367% | 2,726 |
| Retained earnings to average equity (ytd only) | 7.5127% | 2,216 |
| Net charge-offs to loans | -0.0526% | 4,384 |
| Credit loss provision to net charge-offs | 414.2857% | 845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5339% | 1,257 |
| Assets per employee ($millions) | 4.0761% | 4,400 |
| Cash dividends to net income (ytd only)* | 25.1472% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 1,125 |
| Loan loss allowance to noncurrent loans | 199.6855% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 3.0468% | 80 |
| Noncurrent loans to loans | 0.8473% | 1,348 |
| Net loans and leases to total assets | 64.6563% | 1,695 |
| Net loans and leases to deposits | 71.6675% | 2,086 |
| Net loans and leases to core deposits | 74.2784% | 2,207 |
| Total domestic deposits to total assets | 90.2171% | 675 |
| Equity capital to assets | 9.6229% | 3,268 |
| Core capital (leverage) ratio | 9.5917% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,157,250 | 3,352 |
| Average earning assets | $149,112,750 | 3,425 |
| Average equity | $15,795,000 | 3,604 |
| Average total loans | $106,469,000 | 3,161 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9950% | 1,576 |
| Cost of funding earning assets | 0.9379% | 153 |
| Net interest margin | 3.0572% | 3,159 |
| Noninterest income to average assets | 0.4320% | 2,946 |
| Noninterest expense to average assets | 2.7150% | 1,551 |
| Loan and lease loss provision to assets | -0.2082% | 4,764 |
| Net operating income to assets | 0.6282% | 3,923 |
| Return on assets (ROA) | 0.4379% | 4,362 |
| Pretax return on assets | 0.4379% | 4,466 |
| Return on Equity (ROE) | 4.7018% | 4,189 |
| Retained earnings to average equity (ytd only) | 2.1453% | 4,082 |
| Net charge-offs to loans | -0.0709% | 4,508 |
| Credit loss provision to net charge-offs | 470.2703% | 700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6031% | 451 |
| Assets per employee ($millions) | 3.9816% | 4,457 |
| Cash dividends to net income (ytd only)* | 54.3716% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 934 |
| Loan loss allowance to noncurrent loans | 175.4386% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 3.1954% | 86 |
| Noncurrent loans to loans | 1.0087% | 1,217 |
| Net loans and leases to total assets | 60.1984% | 2,403 |
| Net loans and leases to deposits | 66.1940% | 2,807 |
| Net loans and leases to core deposits | 84.0146% | 1,559 |
| Total domestic deposits to total assets | 90.9424% | 394 |
| Equity capital to assets | 8.9167% | 3,873 |
| Core capital (leverage) ratio | 9.2026% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,144,333 | 3,366 |
| Average earning assets | $147,784,667 | 3,444 |
| Average equity | $15,568,667 | 3,625 |
| Average total loans | $104,427,333 | 3,201 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8665% | 1,917 |
| Cost of funding earning assets | 0.9791% | 154 |
| Net interest margin | 2.8874% | 3,557 |
| Noninterest income to average assets | 0.3825% | 3,183 |
| Noninterest expense to average assets | 2.7170% | 1,585 |
| Loan and lease loss provision to assets | -0.4267% | 4,902 |
| Net operating income to assets | 0.6449% | 3,821 |
| Return on assets (ROA) | 0.2182% | 4,645 |
| Pretax return on assets | 0.2182% | 4,668 |
| Return on Equity (ROE) | 2.2905% | 4,574 |
| Retained earnings to average equity (ytd only) | -0.2831% | 4,389 |
| Net charge-offs to loans | -0.0855% | 4,584 |
| Credit loss provision to net charge-offs | 790.9091% | 478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5647% | 311 |
| Assets per employee ($millions) | 3.7305% | 4,609 |
| Cash dividends to net income (ytd only)* | 112.3596% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8166% | 847 |
| Loan loss allowance to noncurrent loans | 231.2883% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 3.2634% | 85 |
| Noncurrent loans to loans | 0.7854% | 1,679 |
| Net loans and leases to total assets | 59.3717% | 2,624 |
| Net loans and leases to deposits | 65.3842% | 2,992 |
| Net loans and leases to core deposits | 84.1967% | 1,663 |
| Total domestic deposits to total assets | 90.8043% | 472 |
| Equity capital to assets | 8.9807% | 3,707 |
| Core capital (leverage) ratio | 9.4370% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,122,000 | 3,401 |
| Average earning assets | $144,214,000 | 3,471 |
| Average equity | $15,542,500 | 3,631 |
| Average total loans | $102,960,500 | 3,220 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7461% | 818 |
| Cost of funding earning assets | 1.1856% | 298 |
| Net interest margin | 3.5605% | 2,276 |
| Noninterest income to average assets | 0.4389% | 2,920 |
| Noninterest expense to average assets | 2.8963% | 1,699 |
| Loan and lease loss provision to assets | 0.0495% | 3,771 |
| Net operating income to assets | 0.7808% | 3,168 |
| Return on assets (ROA) | 0.7808% | 3,289 |
| Pretax return on assets | 0.6171% | 4,046 |
| Return on Equity (ROE) | 7.6906% | 2,931 |
| Retained earnings to average equity (ytd only) | 5.0707% | 2,244 |
| Net charge-offs to loans | 0.1161% | 1,325 |
| Credit loss provision to net charge-offs | 60.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 8.0800% | 2,636 |
| Efficiency ratio | 81.2894% | 792 |
| Assets per employee ($millions) | 3.5146% | 4,645 |
| Cash dividends to net income (ytd only)* | 34.0659% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9941% | 598 |
| Loan loss allowance to noncurrent loans | 223.1106% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 3.5139% | 81 |
| Noncurrent loans to loans | 0.8938% | 1,577 |
| Net loans and leases to total assets | 64.7405% | 2,270 |
| Net loans and leases to deposits | 72.1708% | 2,667 |
| Net loans and leases to core deposits | 89.9935% | 1,525 |
| Total domestic deposits to total assets | 89.7046% | 679 |
| Equity capital to assets | 10.1357% | 2,997 |
| Core capital (leverage) ratio | 10.1869% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,506,000 | 3,388 |
| Average earning assets | $132,929,600 | 3,472 |
| Average equity | $15,382,400 | 3,623 |
| Average total loans | $107,656,200 | 3,124 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8419% | 820 |
| Cost of funding earning assets | 1.2211% | 344 |
| Net interest margin | 3.6209% | 2,195 |
| Noninterest income to average assets | 0.4228% | 2,970 |
| Noninterest expense to average assets | 2.7122% | 2,228 |
| Loan and lease loss provision to assets | 0.0663% | 3,508 |
| Net operating income to assets | 1.0403% | 2,191 |
| Return on assets (ROA) | 1.0403% | 2,311 |
| Pretax return on assets | 0.8209% | 3,591 |
| Return on Equity (ROE) | 10.2418% | 1,937 |
| Retained earnings to average equity (ytd only) | 7.5420% | 1,481 |
| Net charge-offs to loans | 0.1602% | 919 |
| Credit loss provision to net charge-offs | 57.2519% | 2,865 |
| Earnings coverage of net charge-offs (x) | 7.6565% | 2,561 |
| Efficiency ratio | 75.3502% | 1,265 |
| Assets per employee ($millions) | 3.4932% | 4,665 |
| Cash dividends to net income (ytd only)* | 26.3605% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8968% | 591 |
| Loan loss allowance to noncurrent loans | 199.1176% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 3.6050% | 102 |
| Noncurrent loans to loans | 0.9526% | 1,584 |
| Net loans and leases to total assets | 68.3420% | 2,187 |
| Net loans and leases to deposits | 76.3422% | 2,717 |
| Net loans and leases to core deposits | 95.1063% | 1,534 |
| Total domestic deposits to total assets | 89.5206% | 579 |
| Equity capital to assets | 10.2718% | 2,988 |
| Core capital (leverage) ratio | 10.1280% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,722,000 | 3,379 |
| Average earning assets | $132,230,000 | 3,470 |
| Average equity | $15,309,500 | 3,626 |
| Average total loans | $109,032,000 | 3,117 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1046% | 678 |
| Cost of funding earning assets | 1.2819% | 391 |
| Net interest margin | 3.8227% | 1,768 |
| Noninterest income to average assets | 0.4260% | 2,930 |
| Noninterest expense to average assets | 2.6481% | 2,528 |
| Loan and lease loss provision to assets | 0.1002% | 3,020 |
| Net operating income to assets | 1.0269% | 2,232 |
| Return on assets (ROA) | 1.0269% | 2,357 |
| Pretax return on assets | 1.0269% | 2,943 |
| Return on Equity (ROE) | 10.1262% | 1,944 |
| Retained earnings to average equity (ytd only) | 7.6769% | 1,407 |
| Net charge-offs to loans | 0.1605% | 923 |
| Credit loss provision to net charge-offs | 85.2273% | 2,486 |
| Earnings coverage of net charge-offs (x) | 9.5909% | 2,209 |
| Efficiency ratio | 70.1450% | 1,937 |
| Assets per employee ($millions) | 3.4998% | 4,660 |
| Cash dividends to net income (ytd only)* | 24.1873% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8440% | 596 |
| Loan loss allowance to noncurrent loans | 241.3271% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 3.4937% | 112 |
| Noncurrent loans to loans | 0.7641% | 1,973 |
| Net loans and leases to total assets | 71.6573% | 1,778 |
| Net loans and leases to deposits | 79.8288% | 2,447 |
| Net loans and leases to core deposits | 104.2682% | 985 |
| Total domestic deposits to total assets | 89.7636% | 473 |
| Equity capital to assets | 10.0799% | 3,128 |
| Core capital (leverage) ratio | 9.8737% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,767,000 | 3,359 |
| Average earning assets | $131,215,000 | 3,459 |
| Average equity | $15,188,333 | 3,641 |
| Average total loans | $109,684,667 | 3,105 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 598 |
| Cost of funding earning assets | 1.5296% | 232 |
| Net interest margin | 3.7231% | 2,248 |
| Noninterest income to average assets | 0.5039% | 2,531 |
| Noninterest expense to average assets | 2.6440% | 2,853 |
| Loan and lease loss provision to assets | 0.2032% | 1,503 |
| Net operating income to assets | 0.9075% | 2,499 |
| Return on assets (ROA) | 0.9075% | 2,604 |
| Pretax return on assets | 0.9075% | 3,115 |
| Return on Equity (ROE) | 8.9205% | 2,145 |
| Retained earnings to average equity (ytd only) | 8.9205% | 994 |
| Net charge-offs to loans | 0.3471% | 410 |
| Credit loss provision to net charge-offs | 79.7872% | 1,937 |
| Earnings coverage of net charge-offs (x) | 4.3617% | 2,142 |
| Efficiency ratio | 70.4185% | 2,292 |
| Assets per employee ($millions) | 3.7009% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9149% | 591 |
| Loan loss allowance to noncurrent loans | 210.3764% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 3.9404% | 103 |
| Noncurrent loans to loans | 0.9102% | 1,793 |
| Net loans and leases to total assets | 69.8094% | 2,280 |
| Net loans and leases to deposits | 77.6635% | 2,922 |
| Net loans and leases to core deposits | 106.1904% | 1,051 |
| Total domestic deposits to total assets | 89.8870% | 359 |
| Equity capital to assets | 9.9699% | 3,815 |
| Core capital (leverage) ratio | 9.9240% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,655,500 | 3,356 |
| Average earning assets | $128,925,000 | 3,459 |
| Average equity | $15,021,500 | 3,659 |
| Average total loans | $108,318,000 | 3,101 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2875% | 842 |
| Cost of funding earning assets | 1.6368% | 261 |
| Net interest margin | 3.6508% | 2,964 |
| Noninterest income to average assets | 0.3392% | 3,679 |
| Noninterest expense to average assets | 2.7375% | 2,781 |
| Loan and lease loss provision to assets | 1.6919% | 53 |
| Net operating income to assets | -0.9047% | 5,091 |
| Return on assets (ROA) | -0.9047% | 5,094 |
| Pretax return on assets | -0.9047% | 5,084 |
| Return on Equity (ROE) | -8.0537% | 5,108 |
| Retained earnings to average equity (ytd only) | -13.3257% | 5,106 |
| Net charge-offs to loans | 1.5075% | 92 |
| Credit loss provision to net charge-offs | 150.1185% | 1,703 |
| Earnings coverage of net charge-offs (x) | 0.6985% | 3,595 |
| Efficiency ratio | 77.6662% | 1,188 |
| Assets per employee ($millions) | 3.4185% | 4,553 |
| Cash dividends to net income (ytd only)* | -65.4613% | 5,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9210% | 529 |
| Loan loss allowance to noncurrent loans | 203.8086% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 4.1936% | 89 |
| Noncurrent loans to loans | 0.9425% | 1,624 |
| Net loans and leases to total assets | 74.2156% | 1,716 |
| Net loans and leases to deposits | 83.0191% | 2,437 |
| Net loans and leases to core deposits | 88.3892% | 2,572 |
| Total domestic deposits to total assets | 89.3958% | 529 |
| Equity capital to assets | 10.3883% | 3,553 |
| Core capital (leverage) ratio | 9.8086% | 3,723 |
| Tier 1 risk-based capital ratio | 12.3289% | 4,173 |
| Total risk-based capital ratio | 13.5851% | 4,034 |
| Memoranda: | ||
| Average total assets | $149,769,400 | 3,302 |
| Average earning assets | $130,684,800 | 3,411 |
| Average equity | $16,824,600 | 3,457 |
| Average total loans | $111,970,800 | 3,055 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3518% | 774 |
| Cost of funding earning assets | 1.6723% | 225 |
| Net interest margin | 3.6795% | 2,995 |
| Noninterest income to average assets | 0.3613% | 3,566 |
| Noninterest expense to average assets | 2.5403% | 3,322 |
| Loan and lease loss provision to assets | 0.1322% | 1,456 |
| Net operating income to assets | 0.9032% | 3,333 |
| Return on assets (ROA) | 0.9032% | 3,409 |
| Pretax return on assets | 0.9032% | 3,867 |
| Return on Equity (ROE) | 7.8987% | 3,355 |
| Retained earnings to average equity (ytd only) | 3.5987% | 3,600 |
| Net charge-offs to loans | 0.0437% | 2,216 |
| Credit loss provision to net charge-offs | 405.4054% | 745 |
| Earnings coverage of net charge-offs (x) | 31.7582% | 1,576 |
| Efficiency ratio | 71.0448% | 1,965 |
| Assets per employee ($millions) | 3.7165% | 4,259 |
| Cash dividends to net income (ytd only)* | 54.4390% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 2,555 |
| Loan loss allowance to noncurrent loans | 138.3044% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 4.4679% | 91 |
| Noncurrent loans to loans | 0.8606% | 1,864 |
| Net loans and leases to total assets | 75.6160% | 1,544 |
| Net loans and leases to deposits | 86.0219% | 2,184 |
| Net loans and leases to core deposits | 92.4204% | 2,325 |
| Total domestic deposits to total assets | 87.9032% | 1,078 |
| Equity capital to assets | 11.8728% | 2,356 |
| Core capital (leverage) ratio | 11.3784% | 2,319 |
| Tier 1 risk-based capital ratio | 14.0303% | 3,317 |
| Total risk-based capital ratio | 15.1409% | 3,293 |
| Memoranda: | ||
| Average total assets | $151,318,000 | 3,312 |
| Average earning assets | $132,189,500 | 3,422 |
| Average equity | $17,302,000 | 3,433 |
| Average total loans | $112,803,000 | 3,076 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3020% | 814 |
| Cost of funding earning assets | 1.6718% | 205 |
| Net interest margin | 3.6302% | 3,162 |
| Noninterest income to average assets | 0.3758% | 3,429 |
| Noninterest expense to average assets | 2.5321% | 3,380 |
| Loan and lease loss provision to assets | 0.0854% | 2,138 |
| Net operating income to assets | 0.9369% | 3,143 |
| Return on assets (ROA) | 0.9369% | 3,207 |
| Pretax return on assets | 0.9369% | 3,751 |
| Return on Equity (ROE) | 8.2975% | 3,163 |
| Retained earnings to average equity (ytd only) | 5.4114% | 2,568 |
| Net charge-offs to loans | -0.0373% | 4,746 |
| Credit loss provision to net charge-offs | -309.5238% | 4,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2384% | 2,027 |
| Assets per employee ($millions) | 3.6662% | 4,290 |
| Cash dividends to net income (ytd only)* | 34.7826% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 2,717 |
| Loan loss allowance to noncurrent loans | 147.4444% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 4.3740% | 94 |
| Noncurrent loans to loans | 0.7885% | 2,018 |
| Net loans and leases to total assets | 73.2639% | 2,009 |
| Net loans and leases to deposits | 84.3295% | 2,455 |
| Net loans and leases to core deposits | 90.2235% | 2,578 |
| Total domestic deposits to total assets | 86.8781% | 1,651 |
| Equity capital to assets | 11.4295% | 2,674 |
| Core capital (leverage) ratio | 11.2571% | 2,372 |
| Tier 1 risk-based capital ratio | 13.7702% | 3,441 |
| Total risk-based capital ratio | 14.8386% | 3,427 |
| Memoranda: | ||
| Average total assets | $152,204,330 | 3,326 |
| Average earning assets | $133,270,330 | 3,436 |
| Average equity | $17,186,000 | 3,446 |
| Average total loans | $112,482,670 | 3,096 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2883% | 773 |
| Cost of funding earning assets | 1.6644% | 180 |
| Net interest margin | 3.6238% | 3,165 |
| Noninterest income to average assets | 0.2749% | 4,043 |
| Noninterest expense to average assets | 2.5747% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8829% | 3,298 |
| Return on assets (ROA) | 0.8829% | 3,353 |
| Pretax return on assets | 0.8829% | 3,822 |
| Return on Equity (ROE) | 7.8683% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.8683% | 1,714 |
| Net charge-offs to loans | -0.0824% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4648% | 1,686 |
| Assets per employee ($millions) | 3.5537% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 3,067 |
| Loan loss allowance to noncurrent loans | 145.1206% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 4.3623% | 92 |
| Noncurrent loans to loans | 0.7649% | 2,116 |
| Net loans and leases to total assets | 73.6886% | 1,866 |
| Net loans and leases to deposits | 84.9826% | 2,258 |
| Net loans and leases to core deposits | 90.9342% | 2,407 |
| Total domestic deposits to total assets | 86.7101% | 1,955 |
| Equity capital to assets | 11.2821% | 2,577 |
| Core capital (leverage) ratio | 11.2407% | 2,349 |
| Tier 1 risk-based capital ratio | 13.6485% | 3,523 |
| Total risk-based capital ratio | 14.6649% | 3,559 |
| Memoranda: | ||
| Average total assets | $151,317,000 | 3,372 |
| Average earning assets | $132,898,000 | 3,471 |
| Average equity | $16,979,500 | 3,478 |
| Average total loans | $111,655,000 | 3,139 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9542% | 1,149 |
| Cost of funding earning assets | 1.3453% | 182 |
| Net interest margin | 3.6089% | 3,349 |
| Noninterest income to average assets | 0.6140% | 2,222 |
| Noninterest expense to average assets | 2.7288% | 2,935 |
| Loan and lease loss provision to assets | 0.7056% | 144 |
| Net operating income to assets | 0.2909% | 5,019 |
| Return on assets (ROA) | 0.2909% | 5,015 |
| Pretax return on assets | 0.3177% | 5,030 |
| Return on Equity (ROE) | 2.5330% | 4,977 |
| Retained earnings to average equity (ytd only) | -0.5357% | 5,043 |
| Net charge-offs to loans | 1.0260% | 144 |
| Credit loss provision to net charge-offs | 98.4142% | 2,590 |
| Earnings coverage of net charge-offs (x) | 1.4272% | 3,625 |
| Efficiency ratio | 72.7273% | 1,807 |
| Assets per employee ($millions) | 3.7510% | 4,248 |
| Cash dividends to net income (ytd only)* | 121.1494% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 3,984 |
| Loan loss allowance to noncurrent loans | 97.6437% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 4.3696% | 93 |
| Noncurrent loans to loans | 0.9652% | 1,678 |
| Net loans and leases to total assets | 72.5743% | 2,161 |
| Net loans and leases to deposits | 88.5327% | 1,989 |
| Net loans and leases to core deposits | 95.1353% | 2,122 |
| Total domestic deposits to total assets | 81.9746% | 3,649 |
| Equity capital to assets | 11.2851% | 2,429 |
| Core capital (leverage) ratio | 11.2319% | 2,319 |
| Tier 1 risk-based capital ratio | 13.8773% | 3,345 |
| Total risk-based capital ratio | 14.7308% | 3,464 |
| Memoranda: | ||
| Average total assets | $149,516,400 | 3,392 |
| Average earning assets | $130,012,200 | 3,493 |
| Average equity | $17,173,600 | 3,377 |
| Average total loans | $104,487,800 | 3,222 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 1,255 |
| Cost of funding earning assets | 1.2937% | 166 |
| Net interest margin | 3.5714% | 3,455 |
| Noninterest income to average assets | 0.6810% | 1,932 |
| Noninterest expense to average assets | 2.6258% | 3,215 |
| Loan and lease loss provision to assets | 0.4284% | 291 |
| Net operating income to assets | 0.6881% | 4,263 |
| Return on assets (ROA) | 0.6881% | 4,276 |
| Pretax return on assets | 0.7238% | 4,483 |
| Return on Equity (ROE) | 5.9648% | 4,275 |
| Retained earnings to average equity (ytd only) | 2.8470% | 4,297 |
| Net charge-offs to loans | 0.3555% | 456 |
| Credit loss provision to net charge-offs | 174.5455% | 1,536 |
| Earnings coverage of net charge-offs (x) | 4.6945% | 3,028 |
| Efficiency ratio | 69.5015% | 2,272 |
| Assets per employee ($millions) | 3.7873% | 4,191 |
| Cash dividends to net income (ytd only)* | 52.2700% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 2,956 |
| Loan loss allowance to noncurrent loans | 39.9365% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 5.6656% | 62 |
| Noncurrent loans to loans | 2.8575% | 403 |
| Net loans and leases to total assets | 71.9373% | 2,338 |
| Net loans and leases to deposits | 83.5096% | 2,654 |
| Net loans and leases to core deposits | 89.2342% | 2,726 |
| Total domestic deposits to total assets | 86.1426% | 2,124 |
| Equity capital to assets | 11.3286% | 2,377 |
| Core capital (leverage) ratio | 11.4747% | 2,185 |
| Tier 1 risk-based capital ratio | 14.2522% | 3,242 |
| Total risk-based capital ratio | 15.2884% | 3,261 |
| Memoranda: | ||
| Average total assets | $149,386,000 | 3,431 |
| Average earning assets | $129,545,500 | 3,534 |
| Average equity | $17,234,000 | 3,398 |
| Average total loans | $103,128,500 | 3,273 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7403% | 1,405 |
| Cost of funding earning assets | 1.2476% | 152 |
| Net interest margin | 3.4927% | 3,655 |
| Noninterest income to average assets | 0.3834% | 3,595 |
| Noninterest expense to average assets | 2.6419% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7116% | 4,163 |
| Return on assets (ROA) | 0.7116% | 4,167 |
| Pretax return on assets | 0.7654% | 4,348 |
| Return on Equity (ROE) | 6.1305% | 4,182 |
| Retained earnings to average equity (ytd only) | 4.6935% | 3,237 |
| Net charge-offs to loans | -0.0040% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5365% | 1,241 |
| Assets per employee ($millions) | 3.2785% | 4,840 |
| Cash dividends to net income (ytd only)* | 23.4405% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,628 |
| Loan loss allowance to noncurrent loans | 33.5987% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 6.0353% | 60 |
| Noncurrent loans to loans | 3.0779% | 358 |
| Net loans and leases to total assets | 68.4346% | 2,803 |
| Net loans and leases to deposits | 77.8573% | 3,176 |
| Net loans and leases to core deposits | 82.7878% | 3,179 |
| Total domestic deposits to total assets | 87.8975% | 1,435 |
| Equity capital to assets | 11.7635% | 2,012 |
| Core capital (leverage) ratio | 11.5207% | 2,053 |
| Tier 1 risk-based capital ratio | 15.2288% | 2,769 |
| Total risk-based capital ratio | 16.1554% | 2,840 |
| Memoranda: | ||
| Average total assets | $148,683,670 | 3,452 |
| Average earning assets | $128,725,670 | 3,570 |
| Average equity | $17,258,000 | 3,413 |
| Average total loans | $100,758,670 | 3,323 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 1,412 |
| Cost of funding earning assets | 1.2141% | 130 |
| Net interest margin | 3.4441% | 3,727 |
| Noninterest income to average assets | 0.3350% | 3,914 |
| Noninterest expense to average assets | 2.5111% | 3,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7504% | 3,909 |
| Return on assets (ROA) | 0.7504% | 3,909 |
| Pretax return on assets | 0.8040% | 4,137 |
| Return on Equity (ROE) | 6.5080% | 3,978 |
| Retained earnings to average equity (ytd only) | 3.6259% | 3,754 |
| Net charge-offs to loans | -0.0120% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7478% | 1,629 |
| Assets per employee ($millions) | 3.4477% | 4,734 |
| Cash dividends to net income (ytd only)* | 44.2857% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,750 |
| Loan loss allowance to noncurrent loans | 32.9177% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 5.7468% | 76 |
| Noncurrent loans to loans | 3.1482% | 366 |
| Net loans and leases to total assets | 64.9996% | 3,179 |
| Net loans and leases to deposits | 73.3296% | 3,480 |
| Net loans and leases to core deposits | 75.1716% | 3,728 |
| Total domestic deposits to total assets | 88.6405% | 1,287 |
| Equity capital to assets | 11.0527% | 2,533 |
| Core capital (leverage) ratio | 11.4100% | 2,080 |
| Tier 1 risk-based capital ratio | 14.9544% | 2,887 |
| Total risk-based capital ratio | 15.8644% | 2,971 |
| Memoranda: | ||
| Average total assets | $149,259,500 | 3,479 |
| Average earning assets | $129,148,000 | 3,600 |
| Average equity | $17,209,500 | 3,445 |
| Average total loans | $100,129,000 | 3,358 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 1,584 |
| Cost of funding earning assets | 1.0798% | 144 |
| Net interest margin | 3.4610% | 3,653 |
| Noninterest income to average assets | 0.4220% | 3,490 |
| Noninterest expense to average assets | 2.7755% | 2,863 |
| Loan and lease loss provision to assets | 0.1024% | 2,178 |
| Net operating income to assets | 0.3749% | 4,768 |
| Return on assets (ROA) | 0.3157% | 4,919 |
| Pretax return on assets | 0.4579% | 5,000 |
| Return on Equity (ROE) | 2.7334% | 4,903 |
| Retained earnings to average equity (ytd only) | -3.4009% | 5,364 |
| Net charge-offs to loans | 0.5681% | 405 |
| Credit loss provision to net charge-offs | 26.8761% | 3,563 |
| Earnings coverage of net charge-offs (x) | 1.6963% | 3,862 |
| Efficiency ratio | 81.1189% | 1,001 |
| Assets per employee ($millions) | 3.4136% | 4,808 |
| Cash dividends to net income (ytd only)* | 224.4211% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,295 |
| Loan loss allowance to noncurrent loans | 33.3070% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 6.6177% | 51 |
| Noncurrent loans to loans | 3.8561% | 255 |
| Net loans and leases to total assets | 67.8682% | 2,836 |
| Net loans and leases to deposits | 77.4831% | 3,172 |
| Net loans and leases to core deposits | 79.7508% | 3,444 |
| Total domestic deposits to total assets | 87.5910% | 1,708 |
| Equity capital to assets | 12.0463% | 1,800 |
| Core capital (leverage) ratio | 11.7802% | 1,743 |
| Tier 1 risk-based capital ratio | 14.9765% | 2,864 |
| Total risk-based capital ratio | 16.0927% | 2,847 |
| Memoranda: | ||
| Average total assets | $150,459,200 | 3,466 |
| Average earning assets | $130,395,200 | 3,581 |
| Average equity | $17,377,600 | 3,453 |
| Average total loans | $100,870,800 | 3,335 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 1,634 |
| Cost of funding earning assets | 1.0769% | 125 |
| Net interest margin | 3.4252% | 3,759 |
| Noninterest income to average assets | 0.4046% | 3,653 |
| Noninterest expense to average assets | 2.5960% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7106% | 3,920 |
| Return on assets (ROA) | 0.6157% | 4,377 |
| Pretax return on assets | 0.6797% | 4,657 |
| Return on Equity (ROE) | 5.3855% | 4,380 |
| Retained earnings to average equity (ytd only) | -2.7809% | 5,471 |
| Net charge-offs to loans | 0.1327% | 1,467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 8.8616% | 2,734 |
| Efficiency ratio | 76.8075% | 1,484 |
| Assets per employee ($millions) | 3.6766% | 4,482 |
| Cash dividends to net income (ytd only)* | 151.6361% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 1,270 |
| Loan loss allowance to noncurrent loans | 33.7237% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 6.8344% | 53 |
| Noncurrent loans to loans | 4.7071% | 182 |
| Net loans and leases to total assets | 66.7743% | 3,008 |
| Net loans and leases to deposits | 76.1378% | 3,362 |
| Net loans and leases to core deposits | 78.6457% | 3,576 |
| Total domestic deposits to total assets | 87.7020% | 1,515 |
| Equity capital to assets | 11.9295% | 2,014 |
| Core capital (leverage) ratio | 11.5689% | 1,972 |
| Tier 1 risk-based capital ratio | 14.8697% | 2,974 |
| Total risk-based capital ratio | 16.1213% | 2,903 |
| Memoranda: | ||
| Average total assets | $152,231,000 | 3,473 |
| Average earning assets | $132,232,500 | 3,597 |
| Average equity | $17,404,250 | 3,477 |
| Average total loans | $101,446,000 | 3,356 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 1,622 |
| Cost of funding earning assets | 1.0615% | 122 |
| Net interest margin | 3.3992% | 3,774 |
| Noninterest income to average assets | 0.3741% | 3,882 |
| Noninterest expense to average assets | 2.5709% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6454% | 4,106 |
| Return on assets (ROA) | 0.5144% | 4,703 |
| Pretax return on assets | 0.6093% | 4,780 |
| Return on Equity (ROE) | 4.5628% | 4,641 |
| Retained earnings to average equity (ytd only) | -6.3027% | 5,574 |
| Net charge-offs to loans | 0.1941% | 1,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.9495% | 2,761 |
| Efficiency ratio | 77.0639% | 1,576 |
| Assets per employee ($millions) | 3.6137% | 4,554 |
| Cash dividends to net income (ytd only)* | 238.1313% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 1,340 |
| Loan loss allowance to noncurrent loans | 33.8094% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 6.8325% | 56 |
| Noncurrent loans to loans | 4.6372% | 176 |
| Net loans and leases to total assets | 65.6070% | 3,161 |
| Net loans and leases to deposits | 74.3635% | 3,509 |
| Net loans and leases to core deposits | 76.3518% | 3,742 |
| Total domestic deposits to total assets | 88.2247% | 1,343 |
| Equity capital to assets | 11.4577% | 2,357 |
| Core capital (leverage) ratio | 10.9864% | 2,422 |
| Tier 1 risk-based capital ratio | 14.7282% | 3,050 |
| Total risk-based capital ratio | 15.9806% | 2,981 |
| Memoranda: | ||
| Average total assets | $153,953,330 | 3,466 |
| Average earning assets | $134,150,670 | 3,591 |
| Average equity | $17,357,670 | 3,487 |
| Average total loans | $101,999,670 | 3,361 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3998% | 1,649 |
| Cost of funding earning assets | 1.0445% | 134 |
| Net interest margin | 3.3553% | 3,820 |
| Noninterest income to average assets | 0.3922% | 3,721 |
| Noninterest expense to average assets | 2.5283% | 3,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7895% | 3,270 |
| Return on assets (ROA) | 0.4541% | 4,780 |
| Pretax return on assets | 0.4541% | 5,051 |
| Return on Equity (ROE) | 4.0596% | 4,766 |
| Retained earnings to average equity (ytd only) | -17.6917% | 5,700 |
| Net charge-offs to loans | 0.3906% | 468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.0600% | 2,516 |
| Efficiency ratio | 76.2053% | 1,878 |
| Assets per employee ($millions) | 3.4301% | 4,886 |
| Cash dividends to net income (ytd only)* | 535.7955% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 1,495 |
| Loan loss allowance to noncurrent loans | 36.0227% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 6.4113% | 72 |
| Noncurrent loans to loans | 4.3194% | 226 |
| Net loans and leases to total assets | 63.5548% | 3,324 |
| Net loans and leases to deposits | 71.4938% | 3,657 |
| Net loans and leases to core deposits | 74.0079% | 3,826 |
| Total domestic deposits to total assets | 88.8956% | 1,197 |
| Equity capital to assets | 10.8071% | 2,849 |
| Core capital (leverage) ratio | 10.5740% | 2,818 |
| Tier 1 risk-based capital ratio | 14.3230% | 3,305 |
| Total risk-based capital ratio | 15.5747% | 3,219 |
| Memoranda: | ||
| Average total assets | $155,042,500 | 3,489 |
| Average earning assets | $135,188,000 | 3,603 |
| Average equity | $17,341,500 | 3,503 |
| Average total loans | $102,419,000 | 3,377 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4162% | 1,777 |
| Cost of funding earning assets | 1.0080% | 163 |
| Net interest margin | 3.4082% | 3,796 |
| Noninterest income to average assets | 0.6677% | 2,329 |
| Noninterest expense to average assets | 2.7904% | 3,056 |
| Loan and lease loss provision to assets | 0.1304% | 1,911 |
| Net operating income to assets | 0.6148% | 4,146 |
| Return on assets (ROA) | 0.4145% | 4,978 |
| Pretax return on assets | 0.4797% | 5,066 |
| Return on Equity (ROE) | 3.6957% | 4,934 |
| Retained earnings to average equity (ytd only) | 1.9466% | 4,429 |
| Net charge-offs to loans | 0.1280% | 1,964 |
| Credit loss provision to net charge-offs | 157.2519% | 1,751 |
| Earnings coverage of net charge-offs (x) | 10.1679% | 2,668 |
| Efficiency ratio | 76.7985% | 1,879 |
| Assets per employee ($millions) | 3.5419% | 4,695 |
| Cash dividends to net income (ytd only)* | 47.3282% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 1,290 |
| Loan loss allowance to noncurrent loans | 37.9419% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 6.6993% | 75 |
| Noncurrent loans to loans | 4.3128% | 224 |
| Net loans and leases to total assets | 66.5056% | 3,001 |
| Net loans and leases to deposits | 75.6886% | 3,354 |
| Net loans and leases to core deposits | 78.6605% | 3,514 |
| Total domestic deposits to total assets | 87.8674% | 1,697 |
| Equity capital to assets | 11.5765% | 2,102 |
| Core capital (leverage) ratio | 11.4079% | 2,003 |
| Tier 1 risk-based capital ratio | 12.0140% | 4,720 |
| Total risk-based capital ratio | 13.1667% | 4,668 |
| Memoranda: | ||
| Average total assets | $158,007,800 | 3,420 |
| Average earning assets | $137,493,400 | 3,527 |
| Average equity | $17,723,200 | 3,451 |
| Average total loans | $102,383,200 | 3,345 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 1,635 |
| Cost of funding earning assets | 1.0119% | 161 |
| Net interest margin | 3.4567% | 3,644 |
| Noninterest income to average assets | 0.7819% | 1,837 |
| Noninterest expense to average assets | 2.7195% | 3,297 |
| Loan and lease loss provision to assets | 0.1723% | 1,310 |
| Net operating income to assets | 0.7797% | 3,459 |
| Return on assets (ROA) | 0.5636% | 4,544 |
| Pretax return on assets | 0.6498% | 4,743 |
| Return on Equity (ROE) | 5.0638% | 4,491 |
| Retained earnings to average equity (ytd only) | 2.7348% | 4,254 |
| Net charge-offs to loans | 0.1304% | 1,660 |
| Credit loss provision to net charge-offs | 206.0000% | 1,412 |
| Earnings coverage of net charge-offs (x) | 12.8000% | 2,355 |
| Efficiency ratio | 71.7564% | 2,611 |
| Assets per employee ($millions) | 3.5816% | 4,670 |
| Cash dividends to net income (ytd only)* | 45.9939% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 1,285 |
| Loan loss allowance to noncurrent loans | 40.5571% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 6.6774% | 81 |
| Noncurrent loans to loans | 4.1202% | 257 |
| Net loans and leases to total assets | 64.1483% | 3,381 |
| Net loans and leases to deposits | 72.7904% | 3,725 |
| Net loans and leases to core deposits | 75.5297% | 3,883 |
| Total domestic deposits to total assets | 88.1275% | 1,341 |
| Equity capital to assets | 11.3458% | 2,661 |
| Core capital (leverage) ratio | 11.1824% | 2,284 |
| Tier 1 risk-based capital ratio | 12.0543% | 4,761 |
| Total risk-based capital ratio | 13.2319% | 4,699 |
| Memoranda: | ||
| Average total assets | $159,434,750 | 3,419 |
| Average earning assets | $138,741,500 | 3,534 |
| Average equity | $17,746,250 | 3,472 |
| Average total loans | $102,235,750 | 3,355 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 1,507 |
| Cost of funding earning assets | 1.0244% | 149 |
| Net interest margin | 3.4763% | 3,582 |
| Noninterest income to average assets | 0.9272% | 1,298 |
| Noninterest expense to average assets | 2.7429% | 3,230 |
| Loan and lease loss provision to assets | 0.2074% | 1,033 |
| Net operating income to assets | 0.8918% | 2,902 |
| Return on assets (ROA) | 0.7160% | 3,870 |
| Pretax return on assets | 0.8073% | 4,258 |
| Return on Equity (ROE) | 6.4740% | 3,814 |
| Retained earnings to average equity (ytd only) | 2.9715% | 4,023 |
| Net charge-offs to loans | 0.1725% | 1,307 |
| Credit loss provision to net charge-offs | 188.6364% | 1,356 |
| Earnings coverage of net charge-offs (x) | 11.0227% | 2,289 |
| Efficiency ratio | 69.3523% | 3,086 |
| Assets per employee ($millions) | 3.4707% | 4,799 |
| Cash dividends to net income (ytd only)* | 54.1012% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 1,418 |
| Loan loss allowance to noncurrent loans | 37.1592% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 6.6100% | 95 |
| Noncurrent loans to loans | 4.4249% | 245 |
| Net loans and leases to total assets | 63.3196% | 3,460 |
| Net loans and leases to deposits | 71.6038% | 3,821 |
| Net loans and leases to core deposits | 74.2274% | 3,966 |
| Total domestic deposits to total assets | 88.4305% | 1,212 |
| Equity capital to assets | 11.0722% | 2,976 |
| Core capital (leverage) ratio | 10.8289% | 2,617 |
| Tier 1 risk-based capital ratio | 11.9246% | 4,876 |
| Total risk-based capital ratio | 13.0773% | 4,835 |
| Memoranda: | ||
| Average total assets | $160,049,330 | 3,433 |
| Average earning assets | $139,400,330 | 3,545 |
| Average equity | $17,701,670 | 3,483 |
| Average total loans | $102,044,330 | 3,366 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6644% | 1,119 |
| Cost of funding earning assets | 1.0477% | 123 |
| Net interest margin | 3.6167% | 3,016 |
| Noninterest income to average assets | 1.7523% | 410 |
| Noninterest expense to average assets | 2.7333% | 3,300 |
| Loan and lease loss provision to assets | 0.1148% | 1,824 |
| Net operating income to assets | 2.0493% | 303 |
| Return on assets (ROA) | 2.0493% | 317 |
| Pretax return on assets | 2.0493% | 513 |
| Return on Equity (ROE) | 18.5390% | 321 |
| Retained earnings to average equity (ytd only) | 18.5390% | 119 |
| Net charge-offs to loans | 0.2557% | 811 |
| Credit loss provision to net charge-offs | 70.7692% | 1,899 |
| Earnings coverage of net charge-offs (x) | 13.3385% | 1,741 |
| Efficiency ratio | 55.8104% | 5,207 |
| Assets per employee ($millions) | 3.5040% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5741% | 1,700 |
| Loan loss allowance to noncurrent loans | 37.3944% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 6.5135% | 103 |
| Noncurrent loans to loans | 4.2095% | 277 |
| Net loans and leases to total assets | 60.4813% | 3,713 |
| Net loans and leases to deposits | 68.2729% | 4,031 |
| Net loans and leases to core deposits | 71.1792% | 4,140 |
| Total domestic deposits to total assets | 88.5876% | 1,312 |
| Equity capital to assets | 10.9540% | 2,994 |
| Core capital (leverage) ratio | 11.0329% | 2,378 |
| Tier 1 risk-based capital ratio | 12.1187% | 4,841 |
| Total risk-based capital ratio | 13.1889% | 4,864 |
| Memoranda: | ||
| Average total assets | $160,248,000 | 3,445 |
| Average earning assets | $139,354,500 | 3,568 |
| Average equity | $17,714,000 | 3,475 |
| Average total loans | $101,676,000 | 3,395 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7784% | 962 |
| Cost of funding earning assets | 1.0596% | 125 |
| Net interest margin | 3.7188% | 2,682 |
| Noninterest income to average assets | 0.4709% | 3,525 |
| Noninterest expense to average assets | 3.0698% | 2,323 |
| Loan and lease loss provision to assets | 0.1155% | 2,073 |
| Net operating income to assets | 0.5157% | 4,636 |
| Return on assets (ROA) | 0.5441% | 4,617 |
| Pretax return on assets | 0.5441% | 5,006 |
| Return on Equity (ROE) | 4.8908% | 4,557 |
| Retained earnings to average equity (ytd only) | 2.0766% | 4,545 |
| Net charge-offs to loans | 0.2195% | 1,346 |
| Credit loss provision to net charge-offs | 83.1818% | 2,896 |
| Earnings coverage of net charge-offs (x) | 4.5455% | 3,535 |
| Efficiency ratio | 82.9439% | 1,278 |
| Assets per employee ($millions) | 3.1782% | 5,314 |
| Cash dividends to net income (ytd only)* | 57.5406% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5780% | 1,687 |
| Loan loss allowance to noncurrent loans | 41.8050% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 6.7827% | 108 |
| Noncurrent loans to loans | 3.7747% | 341 |
| Net loans and leases to total assets | 64.5594% | 3,192 |
| Net loans and leases to deposits | 73.0506% | 3,609 |
| Net loans and leases to core deposits | 77.5510% | 3,602 |
| Total domestic deposits to total assets | 88.3763% | 1,432 |
| Equity capital to assets | 11.2705% | 2,568 |
| Core capital (leverage) ratio | 11.1735% | 2,245 |
| Tier 1 risk-based capital ratio | 12.6168% | 4,565 |
| Total risk-based capital ratio | 13.7842% | 4,506 |
| Memoranda: | ||
| Average total assets | $158,414,600 | 3,451 |
| Average earning assets | $137,598,000 | 3,570 |
| Average equity | $17,625,000 | 3,438 |
| Average total loans | $100,226,000 | 3,383 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8003% | 934 |
| Cost of funding earning assets | 1.0641% | 122 |
| Net interest margin | 3.7363% | 2,624 |
| Noninterest income to average assets | 0.5071% | 3,317 |
| Noninterest expense to average assets | 2.9283% | 2,749 |
| Loan and lease loss provision to assets | 0.1148% | 1,967 |
| Net operating income to assets | 0.7099% | 3,861 |
| Return on assets (ROA) | 0.7476% | 3,787 |
| Pretax return on assets | 0.7476% | 4,504 |
| Return on Equity (ROE) | 6.7408% | 3,761 |
| Retained earnings to average equity (ytd only) | 5.3277% | 2,701 |
| Net charge-offs to loans | 0.2901% | 916 |
| Credit loss provision to net charge-offs | 63.1336% | 2,877 |
| Earnings coverage of net charge-offs (x) | 4.5345% | 3,332 |
| Efficiency ratio | 78.0259% | 1,938 |
| Assets per employee ($millions) | 3.2904% | 5,140 |
| Cash dividends to net income (ytd only)* | 20.9644% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 2,018 |
| Loan loss allowance to noncurrent loans | 36.2188% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 6.6342% | 123 |
| Noncurrent loans to loans | 4.2358% | 282 |
| Net loans and leases to total assets | 63.7590% | 3,340 |
| Net loans and leases to deposits | 72.1969% | 3,741 |
| Net loans and leases to core deposits | 77.1112% | 3,683 |
| Total domestic deposits to total assets | 88.3127% | 1,394 |
| Equity capital to assets | 11.3993% | 2,588 |
| Core capital (leverage) ratio | 11.3371% | 2,162 |
| Tier 1 risk-based capital ratio | 13.1813% | 4,335 |
| Total risk-based capital ratio | 14.3456% | 4,295 |
| Memoranda: | ||
| Average total assets | $159,084,750 | 3,472 |
| Average earning assets | $138,209,000 | 3,599 |
| Average equity | $17,643,250 | 3,456 |
| Average total loans | $99,744,250 | 3,429 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 794 |
| Cost of funding earning assets | 1.0778% | 114 |
| Net interest margin | 3.7825% | 2,392 |
| Noninterest income to average assets | 0.2910% | 4,884 |
| Noninterest expense to average assets | 2.8747% | 2,976 |
| Loan and lease loss provision to assets | 0.1141% | 1,933 |
| Net operating income to assets | 0.5769% | 4,439 |
| Return on assets (ROA) | 0.6334% | 4,315 |
| Pretax return on assets | 0.6334% | 4,883 |
| Return on Equity (ROE) | 5.7570% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.7570% | 2,376 |
| Net charge-offs to loans | 0.4408% | 581 |
| Credit loss provision to net charge-offs | 41.7431% | 2,789 |
| Earnings coverage of net charge-offs (x) | 2.5275% | 3,325 |
| Efficiency ratio | 80.6191% | 1,673 |
| Assets per employee ($millions) | 3.3999% | 4,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 2,028 |
| Loan loss allowance to noncurrent loans | 34.9805% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 7.9638% | 92 |
| Noncurrent loans to loans | 4.4786% | 304 |
| Net loans and leases to total assets | 61.1458% | 3,670 |
| Net loans and leases to deposits | 69.0891% | 4,028 |
| Net loans and leases to core deposits | 74.5180% | 3,905 |
| Total domestic deposits to total assets | 88.5028% | 1,410 |
| Equity capital to assets | 11.2689% | 2,600 |
| Core capital (leverage) ratio | 10.9717% | 2,454 |
| Tier 1 risk-based capital ratio | 13.5144% | 4,212 |
| Total risk-based capital ratio | 14.6703% | 4,198 |
| Memoranda: | ||
| Average total assets | $159,460,000 | 3,495 |
| Average earning assets | $138,058,330 | 3,633 |
| Average equity | $17,544,000 | 3,487 |
| Average total loans | $98,902,330 | 3,456 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 920 |
| Cost of funding earning assets | 1.0981% | 98 |
| Net interest margin | 3.6661% | 2,750 |
| Noninterest income to average assets | 0.2286% | 5,321 |
| Noninterest expense to average assets | 2.8772% | 2,981 |
| Loan and lease loss provision to assets | 0.1118% | 1,848 |
| Net operating income to assets | 0.4249% | 4,975 |
| Return on assets (ROA) | 0.4249% | 5,098 |
| Pretax return on assets | 0.4249% | 5,378 |
| Return on Equity (ROE) | 3.9077% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.9077% | 3,653 |
| Net charge-offs to loans | 0.4290% | 575 |
| Credit loss provision to net charge-offs | 42.0561% | 2,173 |
| Earnings coverage of net charge-offs (x) | 2.0187% | 2,833 |
| Efficiency ratio | 84.2795% | 1,347 |
| Assets per employee ($millions) | 3.8230% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 2,060 |
| Loan loss allowance to noncurrent loans | 99.1255% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 5.8666% | 179 |
| Noncurrent loans to loans | 1.6123% | 1,727 |
| Net loans and leases to total assets | 59.4393% | 3,740 |
| Net loans and leases to deposits | 66.7065% | 4,082 |
| Net loans and leases to core deposits | 72.2998% | 3,933 |
| Total domestic deposits to total assets | 89.1057% | 1,197 |
| Equity capital to assets | 10.7404% | 3,276 |
| Core capital (leverage) ratio | 10.6196% | 2,831 |
| Tier 1 risk-based capital ratio | 14.9326% | 3,464 |
| Total risk-based capital ratio | 16.1829% | 3,401 |
| Memoranda: | ||
| Average total assets | $160,992,500 | 3,495 |
| Average earning assets | $139,878,000 | 3,625 |
| Average equity | $17,504,000 | 3,520 |
| Average total loans | $99,778,000 | 3,456 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1314% | 594 |
| Cost of funding earning assets | 1.1495% | 103 |
| Net interest margin | 3.9819% | 1,949 |
| Noninterest income to average assets | 0.2516% | 5,326 |
| Noninterest expense to average assets | 2.9582% | 2,971 |
| Loan and lease loss provision to assets | 0.2637% | 840 |
| Net operating income to assets | 0.5190% | 4,735 |
| Return on assets (ROA) | 0.5286% | 4,776 |
| Pretax return on assets | 0.5982% | 4,949 |
| Return on Equity (ROE) | 5.1325% | 4,595 |
| Retained earnings to average equity (ytd only) | 3.3121% | 3,870 |
| Net charge-offs to loans | 0.3082% | 1,429 |
| Credit loss provision to net charge-offs | 128.9941% | 1,853 |
| Earnings coverage of net charge-offs (x) | 4.1627% | 3,722 |
| Efficiency ratio | 77.6596% | 2,255 |
| Assets per employee ($millions) | 3.6694% | 4,588 |
| Cash dividends to net income (ytd only)* | 35.4691% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 1,867 |
| Loan loss allowance to noncurrent loans | 94.4882% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 6.2477% | 187 |
| Noncurrent loans to loans | 1.7672% | 1,630 |
| Net loans and leases to total assets | 62.7011% | 3,408 |
| Net loans and leases to deposits | 70.7761% | 3,809 |
| Net loans and leases to core deposits | 77.5203% | 3,561 |
| Total domestic deposits to total assets | 88.5908% | 1,473 |
| Equity capital to assets | 11.1424% | 2,761 |
| Core capital (leverage) ratio | 10.3760% | 3,082 |
| Tier 1 risk-based capital ratio | 14.8989% | 3,542 |
| Total risk-based capital ratio | 16.1510% | 3,476 |
| Memoranda: | ||
| Average total assets | $165,337,000 | 3,408 |
| Average earning assets | $147,717,200 | 3,479 |
| Average equity | $17,028,600 | 3,520 |
| Average total loans | $109,664,000 | 3,224 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1027% | 639 |
| Cost of funding earning assets | 1.1465% | 111 |
| Net interest margin | 3.9561% | 2,013 |
| Noninterest income to average assets | 0.1977% | 5,742 |
| Noninterest expense to average assets | 2.7053% | 3,807 |
| Loan and lease loss provision to assets | 0.2950% | 668 |
| Net operating income to assets | 0.6685% | 4,111 |
| Return on assets (ROA) | 0.6594% | 4,266 |
| Pretax return on assets | 0.7471% | 4,532 |
| Return on Equity (ROE) | 6.5282% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.5282% | 2,087 |
| Net charge-offs to loans | 0.3919% | 1,014 |
| Credit loss provision to net charge-offs | 112.4620% | 2,014 |
| Earnings coverage of net charge-offs (x) | 4.0121% | 3,548 |
| Efficiency ratio | 71.9924% | 3,179 |
| Assets per employee ($millions) | 3.9155% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 2,418 |
| Loan loss allowance to noncurrent loans | 73.1411% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 6.3180% | 205 |
| Noncurrent loans to loans | 2.1452% | 1,438 |
| Net loans and leases to total assets | 61.9139% | 3,496 |
| Net loans and leases to deposits | 69.5749% | 3,966 |
| Net loans and leases to core deposits | 76.6788% | 3,671 |
| Total domestic deposits to total assets | 88.9888% | 1,245 |
| Equity capital to assets | 10.7278% | 3,261 |
| Core capital (leverage) ratio | 10.3898% | 3,172 |
| Tier 1 risk-based capital ratio | 14.6286% | 3,801 |
| Total risk-based capital ratio | 15.8801% | 3,745 |
| Memoranda: | ||
| Average total assets | $167,225,000 | 3,401 |
| Average earning assets | $150,480,000 | 3,458 |
| Average equity | $16,890,500 | 3,555 |
| Average total loans | $111,926,750 | 3,195 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1395% | 571 |
| Cost of funding earning assets | 1.1420% | 120 |
| Net interest margin | 3.9975% | 1,809 |
| Noninterest income to average assets | 0.1487% | 6,070 |
| Noninterest expense to average assets | 2.6928% | 3,894 |
| Loan and lease loss provision to assets | 0.3116% | 618 |
| Net operating income to assets | 0.6541% | 4,075 |
| Return on assets (ROA) | 0.6423% | 4,243 |
| Pretax return on assets | 0.7731% | 4,371 |
| Return on Equity (ROE) | 6.4904% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.4904% | 2,044 |
| Net charge-offs to loans | 0.2754% | 1,438 |
| Credit loss provision to net charge-offs | 165.8228% | 1,359 |
| Earnings coverage of net charge-offs (x) | 5.8481% | 2,861 |
| Efficiency ratio | 71.0163% | 3,497 |
| Assets per employee ($millions) | 3.6879% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 2,916 |
| Loan loss allowance to noncurrent loans | 28.3504% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 6.1353% | 233 |
| Noncurrent loans to loans | 5.2789% | 362 |
| Net loans and leases to total assets | 66.8673% | 2,605 |
| Net loans and leases to deposits | 74.8207% | 3,219 |
| Net loans and leases to core deposits | 82.1612% | 2,958 |
| Total domestic deposits to total assets | 89.3701% | 1,179 |
| Equity capital to assets | 10.3768% | 3,588 |
| Core capital (leverage) ratio | 10.1533% | 3,410 |
| Tier 1 risk-based capital ratio | 14.3281% | 4,045 |
| Total risk-based capital ratio | 15.5796% | 3,978 |
| Memoranda: | ||
| Average total assets | $168,149,670 | 3,405 |
| Average earning assets | $153,245,330 | 3,427 |
| Average equity | $16,640,000 | 3,593 |
| Average total loans | $114,755,330 | 3,160 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1544% | 531 |
| Cost of funding earning assets | 1.1489% | 123 |
| Net interest margin | 4.0055% | 1,739 |
| Noninterest income to average assets | 0.0260% | 6,553 |
| Noninterest expense to average assets | 2.6659% | 4,056 |
| Loan and lease loss provision to assets | 0.2127% | 1,080 |
| Net operating income to assets | 0.6641% | 3,873 |
| Return on assets (ROA) | 0.6641% | 3,963 |
| Pretax return on assets | 0.8059% | 4,085 |
| Return on Equity (ROE) | 6.8748% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.8748% | 2,101 |
| Net charge-offs to loans | 0.1278% | 1,950 |
| Credit loss provision to net charge-offs | 243.2432% | 920 |
| Earnings coverage of net charge-offs (x) | 11.6486% | 1,768 |
| Efficiency ratio | 72.3541% | 3,422 |
| Assets per employee ($millions) | 3.9123% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 3,574 |
| Loan loss allowance to noncurrent loans | 27.3915% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 5.9730% | 283 |
| Noncurrent loans to loans | 5.1303% | 426 |
| Net loans and leases to total assets | 66.6384% | 2,454 |
| Net loans and leases to deposits | 74.0742% | 3,053 |
| Net loans and leases to core deposits | 80.5358% | 2,903 |
| Total domestic deposits to total assets | 89.9617% | 1,089 |
| Equity capital to assets | 9.7159% | 4,207 |
| Core capital (leverage) ratio | 9.9507% | 3,637 |
| Tier 1 risk-based capital ratio | 13.3916% | 4,773 |
| Total risk-based capital ratio | 14.6417% | 4,701 |
| Memoranda: | ||
| Average total assets | $169,246,000 | 3,420 |
| Average earning assets | $154,586,000 | 3,424 |
| Average equity | $16,349,500 | 3,643 |
| Average total loans | $115,804,500 | 3,157 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2406% | 588 |
| Cost of funding earning assets | 1.3225% | 99 |
| Net interest margin | 3.9181% | 2,226 |
| Noninterest income to average assets | 0.2891% | 5,294 |
| Noninterest expense to average assets | 2.8222% | 3,645 |
| Loan and lease loss provision to assets | 0.0849% | 3,413 |
| Net operating income to assets | 0.7347% | 3,636 |
| Return on assets (ROA) | 0.7374% | 3,698 |
| Pretax return on assets | 0.9751% | 3,451 |
| Return on Equity (ROE) | 7.6375% | 3,227 |
| Retained earnings to average equity (ytd only) | 5.3646% | 2,374 |
| Net charge-offs to loans | 0.5512% | 1,199 |
| Credit loss provision to net charge-offs | 22.8209% | 4,395 |
| Earnings coverage of net charge-offs (x) | 2.8384% | 4,059 |
| Efficiency ratio | 72.7605% | 3,343 |
| Assets per employee ($millions) | 3.9607% | 3,942 |
| Cash dividends to net income (ytd only)* | 29.7600% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 3,778 |
| Loan loss allowance to noncurrent loans | 76.0211% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 4.0366% | 653 |
| Noncurrent loans to loans | 1.8055% | 2,228 |
| Net loans and leases to total assets | 68.3374% | 2,296 |
| Net loans and leases to deposits | 77.7416% | 2,757 |
| Net loans and leases to core deposits | 85.5264% | 2,503 |
| Total domestic deposits to total assets | 87.9033% | 2,234 |
| Equity capital to assets | 9.6026% | 4,286 |
| Core capital (leverage) ratio | 9.6867% | 4,006 |
| Tier 1 risk-based capital ratio | 13.1475% | 4,888 |
| Total risk-based capital ratio | 14.3978% | 4,830 |
| Memoranda: | ||
| Average total assets | $169,512,400 | 3,417 |
| Average earning assets | $155,306,600 | 3,414 |
| Average equity | $16,366,600 | 3,646 |
| Average total loans | $114,476,200 | 3,164 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1822% | 678 |
| Cost of funding earning assets | 1.3596% | 90 |
| Net interest margin | 3.8226% | 2,565 |
| Noninterest income to average assets | 0.3045% | 5,268 |
| Noninterest expense to average assets | 2.6650% | 4,145 |
| Loan and lease loss provision to assets | 0.0963% | 3,154 |
| Net operating income to assets | 0.8597% | 3,048 |
| Return on assets (ROA) | 0.8635% | 3,138 |
| Pretax return on assets | 1.0522% | 3,288 |
| Return on Equity (ROE) | 8.9320% | 2,671 |
| Retained earnings to average equity (ytd only) | 8.9320% | 1,075 |
| Net charge-offs to loans | 0.4573% | 1,403 |
| Credit loss provision to net charge-offs | 31.3776% | 3,868 |
| Earnings coverage of net charge-offs (x) | 3.7271% | 3,621 |
| Efficiency ratio | 69.9692% | 3,764 |
| Assets per employee ($millions) | 3.5444% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 3,129 |
| Loan loss allowance to noncurrent loans | 59.3472% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 4.3521% | 698 |
| Noncurrent loans to loans | 2.6511% | 1,592 |
| Net loans and leases to total assets | 67.5953% | 2,352 |
| Net loans and leases to deposits | 75.3458% | 3,039 |
| Net loans and leases to core deposits | 82.0599% | 2,869 |
| Total domestic deposits to total assets | 89.7135% | 1,164 |
| Equity capital to assets | 9.8345% | 4,125 |
| Core capital (leverage) ratio | 9.7051% | 4,096 |
| Tier 1 risk-based capital ratio | 13.4235% | 4,816 |
| Total risk-based capital ratio | 14.6757% | 4,757 |
| Memoranda: | ||
| Average total assets | $170,302,750 | 3,439 |
| Average earning assets | $156,119,000 | 3,435 |
| Average equity | $16,464,750 | 3,676 |
| Average total loans | $114,279,750 | 3,179 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1252% | 738 |
| Cost of funding earning assets | 1.3873% | 89 |
| Net interest margin | 3.7379% | 2,813 |
| Noninterest income to average assets | 0.3265% | 5,083 |
| Noninterest expense to average assets | 2.5965% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9765% | 2,437 |
| Return on assets (ROA) | 1.0167% | 2,384 |
| Pretax return on assets | 1.2114% | 2,619 |
| Return on Equity (ROE) | 10.5748% | 1,982 |
| Retained earnings to average equity (ytd only) | 10.5748% | 729 |
| Net charge-offs to loans | 0.3957% | 1,627 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.4159% | 3,140 |
| Efficiency ratio | 69.0543% | 4,000 |
| Assets per employee ($millions) | 4.0451% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 3,179 |
| Loan loss allowance to noncurrent loans | 112.5153% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 3.2915% | 1,195 |
| Noncurrent loans to loans | 1.4153% | 3,175 |
| Net loans and leases to total assets | 67.0387% | 2,405 |
| Net loans and leases to deposits | 74.5648% | 3,067 |
| Net loans and leases to core deposits | 80.2613% | 2,996 |
| Total domestic deposits to total assets | 89.9066% | 1,077 |
| Equity capital to assets | 9.7108% | 4,295 |
| Core capital (leverage) ratio | 9.5239% | 4,208 |
| Tier 1 risk-based capital ratio | 13.1430% | 5,038 |
| Total risk-based capital ratio | 14.3960% | 4,975 |
| Memoranda: | ||
| Average total assets | $171,541,330 | 3,441 |
| Average earning assets | $157,575,670 | 3,440 |
| Average equity | $16,492,000 | 3,697 |
| Average total loans | $114,238,000 | 3,188 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0449% | 827 |
| Cost of funding earning assets | 1.4208% | 80 |
| Net interest margin | 3.6240% | 3,168 |
| Noninterest income to average assets | 0.4131% | 4,365 |
| Noninterest expense to average assets | 2.6409% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9489% | 2,444 |
| Return on assets (ROA) | 1.0327% | 2,211 |
| Pretax return on assets | 1.2021% | 2,563 |
| Return on Equity (ROE) | 10.7951% | 1,761 |
| Retained earnings to average equity (ytd only) | 10.7951% | 916 |
| Net charge-offs to loans | 0.0176% | 3,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 95.2000% | 400 |
| Efficiency ratio | 70.5081% | 3,891 |
| Assets per employee ($millions) | 3.3444% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8230% | 2,542 |
| Loan loss allowance to noncurrent loans | 81.8074% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 3.6415% | 1,147 |
| Noncurrent loans to loans | 2.2284% | 2,353 |
| Net loans and leases to total assets | 63.9166% | 2,725 |
| Net loans and leases to deposits | 70.9699% | 3,331 |
| Net loans and leases to core deposits | 76.1977% | 3,295 |
| Total domestic deposits to total assets | 90.0616% | 1,005 |
| Equity capital to assets | 9.5802% | 4,737 |
| Core capital (leverage) ratio | 9.4038% | 4,232 |
| Tier 1 risk-based capital ratio | 13.2815% | 5,028 |
| Total risk-based capital ratio | 14.5364% | 4,975 |
| Memoranda: | ||
| Average total assets | $172,365,500 | 3,464 |
| Average earning assets | $158,497,000 | 3,459 |
| Average equity | $16,489,000 | 3,741 |
| Average total loans | $113,488,500 | 3,219 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3426% | 840 |
| Cost of funding earning assets | 1.7468% | 63 |
| Net interest margin | 3.5958% | 4,099 |
| Noninterest income to average assets | 0.1651% | 6,212 |
| Noninterest expense to average assets | 2.7330% | 4,279 |
| Loan and lease loss provision to assets | 0.0924% | 4,521 |
| Net operating income to assets | 0.6014% | 4,230 |
| Return on assets (ROA) | 0.6690% | 4,161 |
| Pretax return on assets | 0.7231% | 4,582 |
| Return on Equity (ROE) | 7.0636% | 3,604 |
| Retained earnings to average equity (ytd only) | 0.9758% | 5,391 |
| Net charge-offs to loans | 0.0525% | 5,193 |
| Credit loss provision to net charge-offs | 265.0000% | 906 |
| Earnings coverage of net charge-offs (x) | 21.3000% | 1,308 |
| Efficiency ratio | 78.6288% | 2,338 |
| Assets per employee ($millions) | 3.2230% | 5,573 |
| Cash dividends to net income (ytd only)* | 86.1859% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 2,529 |
| Loan loss allowance to noncurrent loans | 75.2090% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 3.8901% | 1,120 |
| Noncurrent loans to loans | 2.4184% | 2,204 |
| Net loans and leases to total assets | 65.3823% | 2,638 |
| Net loans and leases to deposits | 74.5373% | 3,018 |
| Net loans and leases to core deposits | 79.7273% | 3,044 |
| Total domestic deposits to total assets | 87.7175% | 2,401 |
| Equity capital to assets | 9.5522% | 4,814 |
| Core capital (leverage) ratio | 9.2459% | 4,504 |
| Tier 1 risk-based capital ratio | 12.7563% | 5,291 |
| Total risk-based capital ratio | 14.0112% | 5,220 |
| Memoranda: | ||
| Average total assets | $172,045,400 | 3,421 |
| Average earning assets | $158,405,800 | 3,398 |
| Average equity | $16,294,800 | 3,741 |
| Average total loans | $114,213,600 | 3,202 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3735% | 880 |
| Cost of funding earning assets | 1.8141% | 53 |
| Net interest margin | 3.5593% | 4,399 |
| Noninterest income to average assets | 0.1362% | 6,463 |
| Noninterest expense to average assets | 2.6279% | 4,648 |
| Loan and lease loss provision to assets | 0.1230% | 4,015 |
| Net operating income to assets | 0.6456% | 4,168 |
| Return on assets (ROA) | 0.7102% | 4,108 |
| Pretax return on assets | 0.7287% | 4,751 |
| Return on Equity (ROE) | 7.5140% | 3,520 |
| Retained earnings to average equity (ytd only) | 5.4840% | 3,048 |
| Net charge-offs to loans | 0.0828% | 4,568 |
| Credit loss provision to net charge-offs | 223.9437% | 1,240 |
| Earnings coverage of net charge-offs (x) | 14.2964% | 1,841 |
| Efficiency ratio | 76.9946% | 2,525 |
| Assets per employee ($millions) | 3.1017% | 5,846 |
| Cash dividends to net income (ytd only)* | 27.0154% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8764% | 2,558 |
| Loan loss allowance to noncurrent loans | 75.0273% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 3.8941% | 1,253 |
| Noncurrent loans to loans | 2.5010% | 2,294 |
| Net loans and leases to total assets | 63.0854% | 3,190 |
| Net loans and leases to deposits | 70.2518% | 3,863 |
| Net loans and leases to core deposits | 75.1218% | 3,832 |
| Total domestic deposits to total assets | 89.7990% | 948 |
| Equity capital to assets | 9.8927% | 4,650 |
| Core capital (leverage) ratio | 9.5649% | 4,171 |
| Tier 1 risk-based capital ratio | 13.6391% | 4,790 |
| Total risk-based capital ratio | 14.8944% | 4,745 |
| Memoranda: | ||
| Average total assets | $172,351,750 | 3,443 |
| Average earning assets | $158,677,000 | 3,435 |
| Average equity | $16,289,250 | 3,775 |
| Average total loans | $114,328,250 | 3,226 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4313% | 820 |
| Cost of funding earning assets | 1.8514% | 57 |
| Net interest margin | 3.5799% | 4,346 |
| Noninterest income to average assets | 0.0937% | 6,701 |
| Noninterest expense to average assets | 2.6368% | 4,665 |
| Loan and lease loss provision to assets | 0.1839% | 3,265 |
| Net operating income to assets | 0.6164% | 4,301 |
| Return on assets (ROA) | 0.6164% | 4,548 |
| Pretax return on assets | 0.5736% | 5,234 |
| Return on Equity (ROE) | 6.6237% | 3,980 |
| Retained earnings to average equity (ytd only) | 3.5418% | 4,241 |
| Net charge-offs to loans | 0.1087% | 4,095 |
| Credit loss provision to net charge-offs | 252.3810% | 1,139 |
| Earnings coverage of net charge-offs (x) | 10.3968% | 2,051 |
| Efficiency ratio | 77.6831% | 2,501 |
| Assets per employee ($millions) | 3.2890% | 5,468 |
| Cash dividends to net income (ytd only)* | 46.5291% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7950% | 2,868 |
| Loan loss allowance to noncurrent loans | 103.1453% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 2.6072% | 2,125 |
| Noncurrent loans to loans | 1.7403% | 3,294 |
| Net loans and leases to total assets | 66.0901% | 2,653 |
| Net loans and leases to deposits | 73.3293% | 3,407 |
| Net loans and leases to core deposits | 78.0840% | 3,502 |
| Total domestic deposits to total assets | 90.1279% | 856 |
| Equity capital to assets | 9.6219% | 4,883 |
| Core capital (leverage) ratio | 9.2542% | 4,522 |
| Tier 1 risk-based capital ratio | 12.8945% | 5,261 |
| Total risk-based capital ratio | 14.1493% | 5,234 |
| Memoranda: | ||
| Average total assets | $172,938,670 | 3,459 |
| Average earning assets | $159,447,330 | 3,438 |
| Average equity | $16,093,670 | 3,793 |
| Average total loans | $115,879,000 | 3,220 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4605% | 810 |
| Cost of funding earning assets | 1.8735% | 65 |
| Net interest margin | 3.5870% | 4,318 |
| Noninterest income to average assets | -0.0943% | 7,165 |
| Noninterest expense to average assets | 2.7166% | 4,370 |
| Loan and lease loss provision to assets | 0.2967% | 2,102 |
| Net operating income to assets | 0.3542% | 5,461 |
| Return on assets (ROA) | 0.3542% | 5,635 |
| Pretax return on assets | 0.1955% | 6,214 |
| Return on Equity (ROE) | 3.8712% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.8712% | 4,268 |
| Net charge-offs to loans | 0.2167% | 2,843 |
| Credit loss provision to net charge-offs | 204.7619% | 1,317 |
| Earnings coverage of net charge-offs (x) | 3.3968% | 2,853 |
| Efficiency ratio | 84.6595% | 1,619 |
| Assets per employee ($millions) | 3.2108% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7830% | 3,050 |
| Loan loss allowance to noncurrent loans | 77.8585% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 3.1009% | 1,875 |
| Noncurrent loans to loans | 2.2901% | 2,812 |
| Net loans and leases to total assets | 63.5087% | 2,948 |
| Net loans and leases to deposits | 70.0049% | 3,735 |
| Net loans and leases to core deposits | 74.5429% | 3,830 |
| Total domestic deposits to total assets | 90.7205% | 679 |
| Equity capital to assets | 9.0519% | 5,423 |
| Core capital (leverage) ratio | 9.1119% | 4,668 |
| Tier 1 risk-based capital ratio | 12.7762% | 5,387 |
| Total risk-based capital ratio | 14.0310% | 5,361 |
| Memoranda: | ||
| Average total assets | $173,894,500 | 3,471 |
| Average earning assets | $160,132,000 | 3,433 |
| Average equity | $15,912,500 | 3,828 |
| Average total loans | $116,269,500 | 3,225 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8463% | 578 |
| Cost of funding earning assets | 2.0210% | 89 |
| Net interest margin | 3.8253% | 3,696 |
| Noninterest income to average assets | 0.1765% | 6,229 |
| Noninterest expense to average assets | 2.7746% | 4,452 |
| Loan and lease loss provision to assets | 0.1707% | 4,500 |
| Net operating income to assets | 0.5843% | 4,078 |
| Return on assets (ROA) | 0.5803% | 4,281 |
| Pretax return on assets | 0.7407% | 4,189 |
| Return on Equity (ROE) | 6.6105% | 3,584 |
| Retained earnings to average equity (ytd only) | 3.5550% | 3,701 |
| Net charge-offs to loans | 0.2160% | 4,438 |
| Credit loss provision to net charge-offs | 115.6250% | 2,819 |
| Earnings coverage of net charge-offs (x) | 6.2070% | 2,564 |
| Efficiency ratio | 75.1680% | 3,039 |
| Assets per employee ($millions) | 3.2301% | 5,652 |
| Cash dividends to net income (ytd only)* | 46.2227% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 3,323 |
| Loan loss allowance to noncurrent loans | 135.0240% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 2.6782% | 2,273 |
| Noncurrent loans to loans | 1.2328% | 4,305 |
| Net loans and leases to total assets | 67.9811% | 2,397 |
| Net loans and leases to deposits | 76.4955% | 3,096 |
| Net loans and leases to core deposits | 82.1935% | 3,154 |
| Total domestic deposits to total assets | 88.8695% | 1,621 |
| Equity capital to assets | 9.2526% | 5,206 |
| Core capital (leverage) ratio | 9.0272% | 4,731 |
| Tier 1 risk-based capital ratio | 12.5017% | 5,449 |
| Total risk-based capital ratio | 13.7556% | 5,429 |
| Memoranda: | ||
| Average total assets | $173,361,200 | 3,437 |
| Average earning assets | $159,281,400 | 3,421 |
| Average equity | $15,218,200 | 3,866 |
| Average total loans | $118,505,200 | 3,208 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8664% | 602 |
| Cost of funding earning assets | 2.0537% | 97 |
| Net interest margin | 3.8128% | 3,807 |
| Noninterest income to average assets | 0.1388% | 6,556 |
| Noninterest expense to average assets | 2.7172% | 4,666 |
| Loan and lease loss provision to assets | 0.1917% | 4,109 |
| Net operating income to assets | 0.5327% | 4,393 |
| Return on assets (ROA) | 0.5198% | 4,643 |
| Pretax return on assets | 0.7153% | 4,418 |
| Return on Equity (ROE) | 6.0014% | 4,020 |
| Retained earnings to average equity (ytd only) | 4.0806% | 3,825 |
| Net charge-offs to loans | 0.2362% | 3,946 |
| Credit loss provision to net charge-offs | 119.0476% | 2,737 |
| Earnings coverage of net charge-offs (x) | 5.7429% | 2,709 |
| Efficiency ratio | 74.6105% | 3,063 |
| Assets per employee ($millions) | 3.1377% | 5,820 |
| Cash dividends to net income (ytd only)* | 32.0062% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 3,358 |
| Loan loss allowance to noncurrent loans | 76.2089% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 3.2473% | 1,959 |
| Noncurrent loans to loans | 2.1975% | 3,114 |
| Net loans and leases to total assets | 67.0213% | 2,673 |
| Net loans and leases to deposits | 73.9716% | 3,660 |
| Net loans and leases to core deposits | 77.6276% | 3,962 |
| Total domestic deposits to total assets | 90.6041% | 587 |
| Equity capital to assets | 9.1363% | 5,602 |
| Core capital (leverage) ratio | 8.8929% | 5,117 |
| Tier 1 risk-based capital ratio | 12.4105% | 5,569 |
| Total risk-based capital ratio | 13.6639% | 5,557 |
| Memoranda: | ||
| Average total assets | $173,902,500 | 3,448 |
| Average earning assets | $159,775,500 | 3,428 |
| Average equity | $15,062,750 | 3,905 |
| Average total loans | $118,543,750 | 3,231 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9007% | 579 |
| Cost of funding earning assets | 2.0785% | 112 |
| Net interest margin | 3.8222% | 3,678 |
| Noninterest income to average assets | 0.2157% | 6,122 |
| Noninterest expense to average assets | 2.6935% | 4,851 |
| Loan and lease loss provision to assets | 0.1549% | 4,378 |
| Net operating income to assets | 0.6755% | 3,664 |
| Return on assets (ROA) | 0.6940% | 3,687 |
| Pretax return on assets | 0.9017% | 3,611 |
| Return on Equity (ROE) | 8.1602% | 2,874 |
| Retained earnings to average equity (ytd only) | 5.2333% | 2,854 |
| Net charge-offs to loans | 0.2104% | 3,888 |
| Credit loss provision to net charge-offs | 108.0000% | 2,843 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 2,258 |
| Efficiency ratio | 72.2906% | 3,676 |
| Assets per employee ($millions) | 3.2071% | 5,624 |
| Cash dividends to net income (ytd only)* | 35.8678% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 3,480 |
| Loan loss allowance to noncurrent loans | 70.1120% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 3.2972% | 2,020 |
| Noncurrent loans to loans | 2.3593% | 3,034 |
| Net loans and leases to total assets | 65.3886% | 3,165 |
| Net loans and leases to deposits | 71.8582% | 4,135 |
| Net loans and leases to core deposits | 74.0999% | 4,573 |
| Total domestic deposits to total assets | 90.9968% | 499 |
| Equity capital to assets | 8.7469% | 5,878 |
| Core capital (leverage) ratio | 8.8140% | 5,023 |
| Tier 1 risk-based capital ratio | 12.4912% | 5,352 |
| Total risk-based capital ratio | 13.7451% | 5,326 |
| Memoranda: | ||
| Average total assets | $174,345,000 | 3,460 |
| Average earning assets | $160,116,670 | 3,441 |
| Average equity | $14,828,000 | 3,940 |
| Average total loans | $118,847,670 | 3,251 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9613% | 517 |
| Cost of funding earning assets | 2.1080% | 122 |
| Net interest margin | 3.8533% | 3,367 |
| Noninterest income to average assets | 0.2100% | 6,236 |
| Noninterest expense to average assets | 2.6448% | 5,059 |
| Loan and lease loss provision to assets | 0.1777% | 3,842 |
| Net operating income to assets | 0.7108% | 3,474 |
| Return on assets (ROA) | 0.7108% | 3,536 |
| Pretax return on assets | 0.9185% | 3,432 |
| Return on Equity (ROE) | 8.4805% | 2,703 |
| Retained earnings to average equity (ytd only) | 2.5056% | 4,655 |
| Net charge-offs to loans | -0.0234% | 6,626 |
| Credit loss provision to net charge-offs | -1,100.0000% | 6,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6971% | 4,116 |
| Assets per employee ($millions) | 3.1740% | 5,781 |
| Cash dividends to net income (ytd only)* | 70.4545% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 3,328 |
| Loan loss allowance to noncurrent loans | 69.0435% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 3.3497% | 2,034 |
| Noncurrent loans to loans | 2.4689% | 3,025 |
| Net loans and leases to total assets | 65.3374% | 3,164 |
| Net loans and leases to deposits | 71.3406% | 4,154 |
| Net loans and leases to core deposits | 73.6896% | 4,564 |
| Total domestic deposits to total assets | 91.5851% | 392 |
| Equity capital to assets | 8.1724% | 6,314 |
| Core capital (leverage) ratio | 8.6739% | 5,133 |
| Tier 1 risk-based capital ratio | 12.0736% | 5,623 |
| Total risk-based capital ratio | 13.3278% | 5,613 |
| Memoranda: | ||
| Average total assets | $173,321,000 | 3,501 |
| Average earning assets | $158,825,000 | 3,492 |
| Average equity | $14,527,500 | 3,989 |
| Average total loans | $119,631,000 | 3,265 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2930% | 471 |
| Cost of funding earning assets | 2.4298% | 137 |
| Net interest margin | 3.8632% | 3,673 |
| Noninterest income to average assets | 0.2090% | 6,304 |
| Noninterest expense to average assets | 2.8906% | 4,269 |
| Loan and lease loss provision to assets | 0.4943% | 3,182 |
| Net operating income to assets | 0.3134% | 4,889 |
| Return on assets (ROA) | 0.2802% | 5,169 |
| Pretax return on assets | 0.3048% | 5,219 |
| Return on Equity (ROE) | 3.3487% | 4,805 |
| Retained earnings to average equity (ytd only) | 1.8596% | 4,559 |
| Net charge-offs to loans | 0.9996% | 2,193 |
| Credit loss provision to net charge-offs | 68.4964% | 5,907 |
| Earnings coverage of net charge-offs (x) | 1.1575% | 4,950 |
| Efficiency ratio | 77.1186% | 2,854 |
| Assets per employee ($millions) | 3.0160% | 6,068 |
| Cash dividends to net income (ytd only)* | 44.4672% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 3,599 |
| Loan loss allowance to noncurrent loans | 93.1917% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 2.9740% | 2,367 |
| Noncurrent loans to loans | 1.7100% | 3,938 |
| Net loans and leases to total assets | 70.5661% | 2,401 |
| Net loans and leases to deposits | 77.4284% | 3,601 |
| Net loans and leases to core deposits | 80.1065% | 4,198 |
| Total domestic deposits to total assets | 91.1372% | 536 |
| Equity capital to assets | 8.6023% | 5,718 |
| Core capital (leverage) ratio | 8.6249% | 5,151 |
| Tier 1 risk-based capital ratio | 11.9305% | 5,540 |
| Total risk-based capital ratio | 13.1834% | 5,518 |
| Memoranda: | ||
| Average total assets | $174,188,000 | 3,461 |
| Average earning assets | $158,572,400 | 3,472 |
| Average equity | $14,573,000 | 4,016 |
| Average total loans | $125,755,600 | 3,202 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3154% | 492 |
| Cost of funding earning assets | 2.5016% | 137 |
| Net interest margin | 3.8138% | 3,914 |
| Noninterest income to average assets | 0.3358% | 5,478 |
| Noninterest expense to average assets | 2.7925% | 4,523 |
| Loan and lease loss provision to assets | 0.4733% | 3,112 |
| Net operating income to assets | 0.5758% | 3,976 |
| Return on assets (ROA) | 0.5280% | 4,366 |
| Pretax return on assets | 0.4907% | 4,956 |
| Return on Equity (ROE) | 6.3538% | 3,649 |
| Retained earnings to average equity (ytd only) | 4.3700% | 3,425 |
| Net charge-offs to loans | 0.8394% | 2,356 |
| Credit loss provision to net charge-offs | 77.9725% | 5,196 |
| Earnings coverage of net charge-offs (x) | 1.6671% | 4,456 |
| Efficiency ratio | 72.9433% | 3,537 |
| Assets per employee ($millions) | 3.1772% | 5,732 |
| Cash dividends to net income (ytd only)* | 31.2236% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7475% | 3,002 |
| Loan loss allowance to noncurrent loans | 191.1111% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 2.6840% | 2,691 |
| Noncurrent loans to loans | 0.9144% | 5,413 |
| Net loans and leases to total assets | 70.4558% | 2,623 |
| Net loans and leases to deposits | 77.5455% | 3,913 |
| Net loans and leases to core deposits | 80.1774% | 4,492 |
| Total domestic deposits to total assets | 90.8574% | 495 |
| Equity capital to assets | 8.8926% | 5,710 |
| Core capital (leverage) ratio | 8.8305% | 4,955 |
| Tier 1 risk-based capital ratio | 12.2079% | 5,259 |
| Total risk-based capital ratio | 13.4633% | 5,226 |
| Memoranda: | ||
| Average total assets | $175,510,750 | 3,490 |
| Average earning assets | $159,627,500 | 3,504 |
| Average equity | $14,584,000 | 4,079 |
| Average total loans | $126,916,000 | 3,233 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3347% | 478 |
| Cost of funding earning assets | 2.5309% | 159 |
| Net interest margin | 3.8038% | 3,876 |
| Noninterest income to average assets | 0.3235% | 5,566 |
| Noninterest expense to average assets | 2.7338% | 4,769 |
| Loan and lease loss provision to assets | 0.2477% | 4,446 |
| Net operating income to assets | 0.8743% | 2,644 |
| Return on assets (ROA) | 0.9297% | 2,533 |
| Pretax return on assets | 0.8551% | 3,678 |
| Return on Equity (ROE) | 11.4487% | 1,607 |
| Retained earnings to average equity (ytd only) | 8.4264% | 1,285 |
| Net charge-offs to loans | 0.5912% | 2,753 |
| Credit loss provision to net charge-offs | 57.7836% | 5,261 |
| Earnings coverage of net charge-offs (x) | 2.4433% | 3,773 |
| Efficiency ratio | 71.8516% | 3,839 |
| Assets per employee ($millions) | 3.2630% | 5,524 |
| Cash dividends to net income (ytd only)* | 26.3990% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 2,988 |
| Loan loss allowance to noncurrent loans | 128.6988% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 3.1861% | 2,227 |
| Noncurrent loans to loans | 1.3386% | 4,710 |
| Net loans and leases to total assets | 70.1244% | 2,871 |
| Net loans and leases to deposits | 76.8105% | 4,186 |
| Net loans and leases to core deposits | 78.8632% | 4,824 |
| Total domestic deposits to total assets | 91.2953% | 388 |
| Equity capital to assets | 8.4816% | 6,183 |
| Core capital (leverage) ratio | 8.8302% | 4,863 |
| Tier 1 risk-based capital ratio | 11.8918% | 5,409 |
| Total risk-based capital ratio | 13.1467% | 5,379 |
| Memoranda: | ||
| Average total assets | $176,824,330 | 3,492 |
| Average earning assets | $160,734,330 | 3,498 |
| Average equity | $14,359,670 | 4,123 |
| Average total loans | $128,211,000 | 3,233 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3684% | 467 |
| Cost of funding earning assets | 2.5439% | 197 |
| Net interest margin | 3.8245% | 3,686 |
| Noninterest income to average assets | 0.3500% | 5,337 |
| Noninterest expense to average assets | 2.7505% | 4,690 |
| Loan and lease loss provision to assets | 0.0565% | 6,092 |
| Net operating income to assets | 1.1652% | 1,630 |
| Return on assets (ROA) | 1.1630% | 1,718 |
| Pretax return on assets | 1.0139% | 3,039 |
| Return on Equity (ROE) | 14.6442% | 934 |
| Retained earnings to average equity (ytd only) | 11.9997% | 748 |
| Net charge-offs to loans | 0.1730% | 3,886 |
| Credit loss provision to net charge-offs | 44.6429% | 4,564 |
| Earnings coverage of net charge-offs (x) | 8.4821% | 1,956 |
| Efficiency ratio | 71.4708% | 4,030 |
| Assets per employee ($millions) | 3.4177% | 5,236 |
| Cash dividends to net income (ytd only)* | 18.0583% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7792% | 2,793 |
| Loan loss allowance to noncurrent loans | 131.5186% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 2.5820% | 2,822 |
| Noncurrent loans to loans | 1.3528% | 4,715 |
| Net loans and leases to total assets | 69.9443% | 2,952 |
| Net loans and leases to deposits | 78.5457% | 3,934 |
| Net loans and leases to core deposits | 80.7273% | 4,672 |
| Total domestic deposits to total assets | 89.0492% | 1,494 |
| Equity capital to assets | 7.9912% | 6,662 |
| Core capital (leverage) ratio | 8.7289% | 4,975 |
| Tier 1 risk-based capital ratio | 11.3429% | 5,818 |
| Total risk-based capital ratio | 12.5978% | 5,787 |
| Memoranda: | ||
| Average total assets | $177,134,500 | 3,540 |
| Average earning assets | $160,856,000 | 3,549 |
| Average equity | $14,067,000 | 4,228 |
| Average total loans | $129,452,500 | 3,268 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5810% | 569 |
| Cost of funding earning assets | 3.0538% | 196 |
| Net interest margin | 3.5273% | 4,830 |
| Noninterest income to average assets | 0.1861% | 6,759 |
| Noninterest expense to average assets | 2.9696% | 4,265 |
| Loan and lease loss provision to assets | 0.4667% | 4,036 |
| Net operating income to assets | -0.0173% | 5,523 |
| Return on assets (ROA) | 0.1468% | 5,124 |
| Pretax return on assets | 0.1575% | 5,091 |
| Return on Equity (ROE) | 2.1249% | 4,854 |
| Retained earnings to average equity (ytd only) | 2.1249% | 3,615 |
| Net charge-offs to loans | 0.3615% | 4,419 |
| Credit loss provision to net charge-offs | 176.8916% | 2,364 |
| Earnings coverage of net charge-offs (x) | 1.6973% | 4,466 |
| Efficiency ratio | 86.4067% | 2,067 |
| Assets per employee ($millions) | 3.0916% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7904% | 2,580 |
| Loan loss allowance to noncurrent loans | 135.7852% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 2.6945% | 2,597 |
| Noncurrent loans to loans | 1.3186% | 4,719 |
| Net loans and leases to total assets | 73.6946% | 2,338 |
| Net loans and leases to deposits | 82.8624% | 3,479 |
| Net loans and leases to core deposits | 103.5474% | 3,621 |
| Total domestic deposits to total assets | 88.9362% | 1,509 |
| Equity capital to assets | 7.8894% | 6,686 |
| Core capital (leverage) ratio | 8.1917% | 5,824 |
| Tier 1 risk-based capital ratio | 11.1044% | 5,826 |
| Total risk-based capital ratio | 12.3589% | 5,770 |
| Memoranda: | ||
| Average total assets | $185,342,400 | 3,347 |
| Average earning assets | $169,791,200 | 3,349 |
| Average equity | $12,800,400 | 4,556 |
| Average total loans | $135,255,400 | 3,170 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6826% | 526 |
| Cost of funding earning assets | 3.1550% | 211 |
| Net interest margin | 3.5276% | 4,752 |
| Noninterest income to average assets | 0.2357% | 6,540 |
| Noninterest expense to average assets | 2.7842% | 4,956 |
| Loan and lease loss provision to assets | 0.3043% | 4,539 |
| Net operating income to assets | 0.3813% | 4,475 |
| Return on assets (ROA) | 0.6178% | 3,590 |
| Pretax return on assets | 0.6320% | 4,080 |
| Return on Equity (ROE) | 9.2483% | 2,179 |
| Retained earnings to average equity (ytd only) | 9.2483% | 786 |
| Net charge-offs to loans | 0.4598% | 3,389 |
| Credit loss provision to net charge-offs | 91.2951% | 5,444 |
| Earnings coverage of net charge-offs (x) | 2.0849% | 4,259 |
| Efficiency ratio | 79.5566% | 2,915 |
| Assets per employee ($millions) | 3.3063% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 3,811 |
| Loan loss allowance to noncurrent loans | 50.3163% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 2.9578% | 2,340 |
| Noncurrent loans to loans | 2.8304% | 2,681 |
| Net loans and leases to total assets | 75.4070% | 2,126 |
| Net loans and leases to deposits | 84.9101% | 3,508 |
| Net loans and leases to core deposits | 106.6980% | 3,622 |
| Total domestic deposits to total assets | 88.8080% | 1,288 |
| Equity capital to assets | 7.9614% | 6,886 |
| Core capital (leverage) ratio | 8.3529% | 5,745 |
| Tier 1 risk-based capital ratio | 11.4058% | 5,526 |
| Total risk-based capital ratio | 12.6495% | 5,481 |
| Memoranda: | ||
| Average total assets | $188,395,000 | 3,326 |
| Average earning assets | $173,221,500 | 3,331 |
| Average equity | $12,585,750 | 4,637 |
| Average total loans | $136,590,500 | 3,184 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6784% | 565 |
| Cost of funding earning assets | 3.2883% | 212 |
| Net interest margin | 3.3901% | 5,212 |
| Noninterest income to average assets | 0.2396% | 6,564 |
| Noninterest expense to average assets | 2.7430% | 5,207 |
| Loan and lease loss provision to assets | 0.3507% | 3,826 |
| Net operating income to assets | 0.2459% | 5,103 |
| Return on assets (ROA) | 0.4710% | 4,327 |
| Pretax return on assets | 0.4917% | 4,649 |
| Return on Equity (ROE) | 7.4852% | 2,987 |
| Retained earnings to average equity (ytd only) | 7.4852% | 1,393 |
| Net charge-offs to loans | 0.3143% | 3,618 |
| Credit loss provision to net charge-offs | 156.4815% | 2,941 |
| Earnings coverage of net charge-offs (x) | 2.7130% | 3,723 |
| Efficiency ratio | 81.3932% | 2,819 |
| Assets per employee ($millions) | 3.3132% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 3,046 |
| Loan loss allowance to noncurrent loans | 72.0696% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 2.5858% | 2,488 |
| Noncurrent loans to loans | 2.1202% | 3,354 |
| Net loans and leases to total assets | 73.2785% | 2,889 |
| Net loans and leases to deposits | 80.0891% | 4,533 |
| Net loans and leases to core deposits | 101.5128% | 4,344 |
| Total domestic deposits to total assets | 91.4962% | 324 |
| Equity capital to assets | 7.1160% | 7,545 |
| Core capital (leverage) ratio | 7.8964% | 6,493 |
| Tier 1 risk-based capital ratio | 10.7399% | 6,149 |
| Total risk-based capital ratio | 11.9819% | 6,096 |
| Memoranda: | ||
| Average total assets | $192,782,330 | 3,310 |
| Average earning assets | $176,928,000 | 3,301 |
| Average equity | $12,130,670 | 4,778 |
| Average total loans | $137,438,330 | 3,197 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5729% | 751 |
| Cost of funding earning assets | 3.4359% | 174 |
| Net interest margin | 3.1370% | 6,077 |
| Noninterest income to average assets | 0.2747% | 6,234 |
| Noninterest expense to average assets | 2.7507% | 4,779 |
| Loan and lease loss provision to assets | 0.0404% | 6,461 |
| Net operating income to assets | 0.3390% | 5,120 |
| Return on assets (ROA) | 0.5231% | 4,510 |
| Pretax return on assets | 0.5635% | 4,871 |
| Return on Equity (ROE) | 8.8453% | 2,784 |
| Retained earnings to average equity (ytd only) | 8.8453% | 1,530 |
| Net charge-offs to loans | 0.4134% | 2,451 |
| Credit loss provision to net charge-offs | 13.9860% | 5,152 |
| Earnings coverage of net charge-offs (x) | 1.4056% | 4,032 |
| Efficiency ratio | 86.6923% | 1,996 |
| Assets per employee ($millions) | 3.4358% | 4,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 3,875 |
| Loan loss allowance to noncurrent loans | 52.6969% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 2.5919% | 2,208 |
| Noncurrent loans to loans | 2.5359% | 2,599 |
| Net loans and leases to total assets | 70.1067% | 3,645 |
| Net loans and leases to deposits | 74.9524% | 5,349 |
| Net loans and leases to core deposits | 96.3665% | 4,923 |
| Total domestic deposits to total assets | 93.5350% | 60 |
| Equity capital to assets | 6.0181% | 7,994 |
| Core capital (leverage) ratio | 7.5202% | 7,135 |
| Tier 1 risk-based capital ratio | 10.3924% | 6,503 |
| Total risk-based capital ratio | 11.6417% | 6,411 |
| Memoranda: | ||
| Average total assets | $198,061,500 | 3,264 |
| Average earning assets | $181,960,000 | 3,255 |
| Average equity | $11,712,500 | 4,918 |
| Average total loans | $138,356,000 | 3,204 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9584% | 1,241 |
| Cost of funding earning assets | 3.6561% | 310 |
| Net interest margin | 3.3023% | 6,029 |
| Noninterest income to average assets | 0.3018% | 6,295 |
| Noninterest expense to average assets | 2.6584% | 5,415 |
| Loan and lease loss provision to assets | 0.7681% | 1,942 |
| Net operating income to assets | 0.0907% | 6,132 |
| Return on assets (ROA) | -0.1111% | 6,362 |
| Pretax return on assets | -0.3761% | 6,526 |
| Return on Equity (ROE) | -1.7743% | 6,475 |
| Retained earnings to average equity (ytd only) | -1.7743% | 5,808 |
| Net charge-offs to loans | 0.4110% | 2,761 |
| Credit loss provision to net charge-offs | 261.7997% | 1,772 |
| Earnings coverage of net charge-offs (x) | 2.4109% | 4,871 |
| Efficiency ratio | 78.5260% | 2,837 |
| Assets per employee ($millions) | 3.5124% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 3,237 |
| Loan loss allowance to noncurrent loans | 101.1936% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 2.0622% | 2,383 |
| Noncurrent loans to loans | 1.3765% | 3,768 |
| Net loans and leases to total assets | 67.7634% | 4,500 |
| Net loans and leases to deposits | 73.1716% | 5,931 |
| Net loans and leases to core deposits | 93.3349% | 5,512 |
| Total domestic deposits to total assets | 92.6089% | 77 |
| Equity capital to assets | 5.8149% | 8,092 |
| Core capital (leverage) ratio | 7.7573% | 6,857 |
| Tier 1 risk-based capital ratio | 9.9174% | 6,825 |
| Total risk-based capital ratio | 11.1680% | 6,711 |
| Memoranda: | ||
| Average total assets | $200,762,800 | 3,129 |
| Average earning assets | $186,263,800 | 3,099 |
| Average equity | $12,568,200 | 4,685 |
| Average total loans | $143,296,600 | 3,032 |