Home > Citizens Bank of West Virginia, Inc. > Performance and Condition Ratios
Citizens Bank of West Virginia, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9554% | 2,163 |
| Cost of funding earning assets | 1.6232% | 1,627 |
| Net interest margin | 3.3322% | 2,554 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.1036% | 3,397 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.1571% | 1,760 |
| Return on assets (ROA) | 1.1571% | 1,736 |
| Pretax return on assets | 1.4638% | 1,501 |
| Return on Equity (ROE) | 12.8700% | 1,763 |
| Retained earnings to average equity (ytd only) | 5.2540% | 2,507 |
| Net charge-offs to loans | 0.1153% | 824 |
| Credit loss provision to net charge-offs | 215.0808% | 1,169 |
| Earnings coverage of net charge-offs (x) | 18.2262% | 1,945 |
| Efficiency ratio | 54.7915% | 3,620 |
| Assets per employee ($millions) | 6.7202% | 2,259 |
| Cash dividends to net income (ytd only)* | 59.1834% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 3,795 |
| Loan loss allowance to noncurrent loans | 365.5803% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 1,403 |
| Noncurrent loans to loans | 0.2394% | 2,353 |
| Net loans and leases to total assets | 79.9000% | 650 |
| Net loans and leases to deposits | 89.9953% | 1,265 |
| Net loans and leases to core deposits | 106.5728% | 1,089 |
| Total domestic deposits to total assets | 88.7800% | 1,130 |
| Equity capital to assets | 8.7662% | 2,847 |
| Core capital (leverage) ratio | 9.3367% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2839% | 2,767 |
| Memoranda: | ||
| Average total assets | $611,702,400 | 1,452 |
| Average earning assets | $571,576,800 | 1,436 |
| Average equity | $54,987,200 | 1,489 |
| Average total loans | $483,169,400 | 1,269 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7977% | 2,265 |
| Cost of funding earning assets | 1.4876% | 1,644 |
| Net interest margin | 3.3101% | 2,657 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.0919% | 3,378 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.1765% | 1,861 |
| Return on assets (ROA) | 1.1765% | 1,843 |
| Pretax return on assets | 1.4892% | 1,578 |
| Return on Equity (ROE) | 13.0000% | 1,898 |
| Retained earnings to average equity (ytd only) | 8.3135% | 1,861 |
| Net charge-offs to loans | 0.1007% | 779 |
| Credit loss provision to net charge-offs | 182.6331% | 1,182 |
| Earnings coverage of net charge-offs (x) | 20.6499% | 1,800 |
| Efficiency ratio | 55.0143% | 3,486 |
| Assets per employee ($millions) | 6.5443% | 2,296 |
| Cash dividends to net income (ytd only)* | 36.0520% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 3,888 |
| Loan loss allowance to noncurrent loans | 337.8078% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 1,581 |
| Noncurrent loans to loans | 0.2499% | 2,341 |
| Net loans and leases to total assets | 80.3500% | 602 |
| Net loans and leases to deposits | 91.8598% | 1,062 |
| Net loans and leases to core deposits | 105.1466% | 1,056 |
| Total domestic deposits to total assets | 87.4700% | 1,752 |
| Equity capital to assets | 8.9897% | 2,424 |
| Core capital (leverage) ratio | 9.7186% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6605% | 2,694 |
| Memoranda: | ||
| Average total assets | $601,664,250 | 1,472 |
| Average earning assets | $562,231,500 | 1,456 |
| Average equity | $54,448,250 | 1,492 |
| Average total loans | $472,603,000 | 1,289 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6343% | 2,342 |
| Cost of funding earning assets | 1.3470% | 1,590 |
| Net interest margin | 3.2873% | 2,783 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.1009% | 3,344 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.1775% | 1,886 |
| Return on assets (ROA) | 1.1775% | 1,881 |
| Pretax return on assets | 1.4804% | 1,635 |
| Return on Equity (ROE) | 12.9800% | 1,907 |
| Retained earnings to average equity (ytd only) | 8.2568% | 1,887 |
| Net charge-offs to loans | 0.1255% | 583 |
| Credit loss provision to net charge-offs | 143.4483% | 1,221 |
| Earnings coverage of net charge-offs (x) | 16.6207% | 1,824 |
| Efficiency ratio | 55.3117% | 3,497 |
| Assets per employee ($millions) | 6.1274% | 2,596 |
| Cash dividends to net income (ytd only)* | 36.3974% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 3,900 |
| Loan loss allowance to noncurrent loans | 413.3603% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 1,561 |
| Noncurrent loans to loans | 0.2059% | 2,438 |
| Net loans and leases to total assets | 79.2200% | 713 |
| Net loans and leases to deposits | 90.0279% | 1,186 |
| Net loans and leases to core deposits | 101.1264% | 1,178 |
| Total domestic deposits to total assets | 88.0000% | 1,602 |
| Equity capital to assets | 9.1565% | 2,407 |
| Core capital (leverage) ratio | 9.8593% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8525% | 2,669 |
| Memoranda: | ||
| Average total assets | $594,981,333 | 1,488 |
| Average earning assets | $555,900,667 | 1,477 |
| Average equity | $53,967,667 | 1,506 |
| Average total loans | $462,206,000 | 1,301 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5169% | 2,278 |
| Cost of funding earning assets | 1.2238% | 1,395 |
| Net interest margin | 3.2931% | 2,895 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.1066% | 3,364 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.2191% | 1,884 |
| Return on assets (ROA) | 1.2191% | 1,846 |
| Pretax return on assets | 1.4690% | 1,734 |
| Return on Equity (ROE) | 13.5100% | 1,878 |
| Retained earnings to average equity (ytd only) | 8.7467% | 2,015 |
| Net charge-offs to loans | 0.1667% | 425 |
| Credit loss provision to net charge-offs | 95.2381% | 1,157 |
| Earnings coverage of net charge-offs (x) | 12.4603% | 1,608 |
| Efficiency ratio | 55.8093% | 3,425 |
| Assets per employee ($millions) | 6.2466% | 2,541 |
| Cash dividends to net income (ytd only)* | 35.2355% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 3,965 |
| Loan loss allowance to noncurrent loans | 229.8603% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 1,114 |
| Noncurrent loans to loans | 0.3738% | 1,813 |
| Net loans and leases to total assets | 76.7800% | 898 |
| Net loans and leases to deposits | 87.2835% | 1,274 |
| Net loans and leases to core deposits | 97.1484% | 1,225 |
| Total domestic deposits to total assets | 87.9700% | 1,935 |
| Equity capital to assets | 9.2139% | 2,359 |
| Core capital (leverage) ratio | 9.7925% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1577% | 2,679 |
| Memoranda: | ||
| Average total assets | $592,230,500 | 1,513 |
| Average earning assets | $554,006,000 | 1,509 |
| Average equity | $53,460,000 | 1,527 |
| Average total loans | $453,407,000 | 1,331 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 2,154 |
| Cost of funding earning assets | 0.4797% | 1,533 |
| Net interest margin | 3.3662% | 2,358 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.1095% | 3,262 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.2948% | 1,451 |
| Return on assets (ROA) | 1.2948% | 1,411 |
| Pretax return on assets | 1.6138% | 1,137 |
| Return on Equity (ROE) | 15.9500% | 1,065 |
| Retained earnings to average equity (ytd only) | 11.9535% | 674 |
| Net charge-offs to loans | 0.0775% | 870 |
| Credit loss provision to net charge-offs | 198.5560% | 1,132 |
| Earnings coverage of net charge-offs (x) | 32.9206% | 1,636 |
| Efficiency ratio | 53.8681% | 3,806 |
| Assets per employee ($millions) | 6.2214% | 2,575 |
| Cash dividends to net income (ytd only)* | 25.0618% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8850% | 3,825 |
| Loan loss allowance to noncurrent loans | 346.5849% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 1,413 |
| Noncurrent loans to loans | 0.2553% | 2,243 |
| Net loans and leases to total assets | 75.0000% | 1,130 |
| Net loans and leases to deposits | 85.2365% | 1,374 |
| Net loans and leases to core deposits | 100.6174% | 970 |
| Total domestic deposits to total assets | 87.9900% | 2,076 |
| Equity capital to assets | 8.8391% | 2,461 |
| Core capital (leverage) ratio | 9.8774% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1944% | 2,674 |
| Memoranda: | ||
| Average total assets | $530,974,000 | 1,657 |
| Average earning assets | $496,975,400 | 1,637 |
| Average equity | $43,100,200 | 1,818 |
| Average total loans | $357,229,400 | 1,526 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6582% | 2,172 |
| Cost of funding earning assets | 0.3069% | 2,093 |
| Net interest margin | 3.3513% | 2,133 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.0766% | 3,277 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.3269% | 1,276 |
| Return on assets (ROA) | 1.3269% | 1,248 |
| Pretax return on assets | 1.6507% | 1,002 |
| Return on Equity (ROE) | 16.7700% | 839 |
| Retained earnings to average equity (ytd only) | 12.6128% | 676 |
| Net charge-offs to loans | 0.0956% | 647 |
| Credit loss provision to net charge-offs | 187.5000% | 1,007 |
| Earnings coverage of net charge-offs (x) | 28.4917% | 1,542 |
| Efficiency ratio | 52.7430% | 3,948 |
| Assets per employee ($millions) | 5.9065% | 2,839 |
| Cash dividends to net income (ytd only)* | 24.8101% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 3,605 |
| Loan loss allowance to noncurrent loans | 361.9888% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 1,519 |
| Noncurrent loans to loans | 0.2686% | 2,300 |
| Net loans and leases to total assets | 70.6900% | 1,419 |
| Net loans and leases to deposits | 84.0402% | 1,299 |
| Net loans and leases to core deposits | 90.2978% | 1,278 |
| Total domestic deposits to total assets | 84.1200% | 3,475 |
| Equity capital to assets | 7.1264% | 3,440 |
| Core capital (leverage) ratio | 8.5236% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2008% | 2,750 |
| Memoranda: | ||
| Average total assets | $515,960,000 | 1,696 |
| Average earning assets | $483,142,500 | 1,678 |
| Average equity | $40,814,750 | 1,922 |
| Average total loans | $334,728,250 | 1,590 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5281% | 2,048 |
| Cost of funding earning assets | 0.2482% | 2,294 |
| Net interest margin | 3.2799% | 1,968 |
| Noninterest income to average assets | 0.7423% | 1,193 |
| Noninterest expense to average assets | 2.0307% | 3,347 |
| Loan and lease loss provision to assets | 0.1198% | 832 |
| Net operating income to assets | 1.3376% | 1,057 |
| Return on assets (ROA) | 1.3376% | 1,035 |
| Pretax return on assets | 1.6682% | 808 |
| Return on Equity (ROE) | 16.3055% | 660 |
| Retained earnings to average equity (ytd only) | 12.5528% | 520 |
| Net charge-offs to loans | 0.0742% | 716 |
| Credit loss provision to net charge-offs | 258.6207% | 857 |
| Earnings coverage of net charge-offs (x) | 38.6034% | 1,278 |
| Efficiency ratio | 51.8507% | 4,137 |
| Assets per employee ($millions) | 5.3866% | 3,349 |
| Cash dividends to net income (ytd only)* | 23.0149% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 3,000 |
| Loan loss allowance to noncurrent loans | 366.3826% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 1,423 |
| Noncurrent loans to loans | 0.3104% | 2,224 |
| Net loans and leases to total assets | 67.1294% | 1,563 |
| Net loans and leases to deposits | 78.7918% | 1,483 |
| Net loans and leases to core deposits | 80.2653% | 1,698 |
| Total domestic deposits to total assets | 85.1985% | 3,441 |
| Equity capital to assets | 8.0652% | 3,071 |
| Core capital (leverage) ratio | 8.8573% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0924% | 2,022 |
| Memoranda: | ||
| Average total assets | $500,906,000 | 1,725 |
| Average earning assets | $469,831,333 | 1,725 |
| Average equity | $41,090,333 | 1,954 |
| Average total loans | $312,781,667 | 1,660 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3229% | 2,313 |
| Cost of funding earning assets | 0.2598% | 2,047 |
| Net interest margin | 3.0631% | 2,286 |
| Noninterest income to average assets | 0.7659% | 1,131 |
| Noninterest expense to average assets | 2.1610% | 2,942 |
| Loan and lease loss provision to assets | 0.1198% | 695 |
| Net operating income to assets | 1.0837% | 1,568 |
| Return on assets (ROA) | 1.0837% | 1,566 |
| Pretax return on assets | 1.3568% | 1,366 |
| Return on Equity (ROE) | 13.1004% | 1,011 |
| Retained earnings to average equity (ytd only) | 9.6732% | 1,102 |
| Net charge-offs to loans | 0.1030% | 505 |
| Credit loss provision to net charge-offs | 194.8052% | 785 |
| Earnings coverage of net charge-offs (x) | 24.0130% | 1,219 |
| Efficiency ratio | 58.0022% | 3,683 |
| Assets per employee ($millions) | 5.6289% | 3,204 |
| Cash dividends to net income (ytd only)* | 26.1606% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,687 |
| Loan loss allowance to noncurrent loans | 380.7497% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 1,598 |
| Noncurrent loans to loans | 0.3239% | 2,312 |
| Net loans and leases to total assets | 59.4057% | 2,129 |
| Net loans and leases to deposits | 68.8636% | 2,064 |
| Net loans and leases to core deposits | 70.3100% | 2,266 |
| Total domestic deposits to total assets | 86.2656% | 3,171 |
| Equity capital to assets | 8.0051% | 3,566 |
| Core capital (leverage) ratio | 8.3939% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4090% | 1,671 |
| Memoranda: | ||
| Average total assets | $500,881,000 | 1,727 |
| Average earning assets | $469,584,500 | 1,730 |
| Average equity | $41,434,000 | 1,995 |
| Average total loans | $299,093,500 | 1,704 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3479% | 787 |
| Cost of funding earning assets | 0.3507% | 1,931 |
| Net interest margin | 3.9972% | 714 |
| Noninterest income to average assets | 0.9689% | 1,058 |
| Noninterest expense to average assets | 2.5864% | 1,905 |
| Loan and lease loss provision to assets | 0.1337% | 911 |
| Net operating income to assets | 1.5562% | 895 |
| Return on assets (ROA) | 1.5562% | 927 |
| Pretax return on assets | 1.9579% | 656 |
| Return on Equity (ROE) | 16.5540% | 667 |
| Retained earnings to average equity (ytd only) | 12.8301% | 420 |
| Net charge-offs to loans | -0.0538% | 4,358 |
| Credit loss provision to net charge-offs | -337.8378% | 3,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2881% | 3,787 |
| Assets per employee ($millions) | 5.4413% | 3,317 |
| Cash dividends to net income (ytd only)* | 22.4953% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,598 |
| Loan loss allowance to noncurrent loans | 500.6793% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 1,889 |
| Noncurrent loans to loans | 0.2508% | 2,726 |
| Net loans and leases to total assets | 58.5253% | 2,321 |
| Net loans and leases to deposits | 68.2475% | 2,289 |
| Net loans and leases to core deposits | 69.8122% | 2,467 |
| Total domestic deposits to total assets | 85.7544% | 2,992 |
| Equity capital to assets | 8.5456% | 4,021 |
| Core capital (leverage) ratio | 10.2664% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8898% | 1,552 |
| Memoranda: | ||
| Average total assets | $373,924,000 | 2,095 |
| Average earning assets | $346,972,200 | 2,096 |
| Average equity | $35,151,600 | 2,286 |
| Average total loans | $275,078,000 | 1,815 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6646% | 514 |
| Cost of funding earning assets | 0.3849% | 1,823 |
| Net interest margin | 4.2797% | 471 |
| Noninterest income to average assets | 1.0228% | 1,033 |
| Noninterest expense to average assets | 2.6874% | 1,621 |
| Loan and lease loss provision to assets | 0.1746% | 613 |
| Net operating income to assets | 1.6794% | 867 |
| Return on assets (ROA) | 1.6794% | 912 |
| Pretax return on assets | 2.1213% | 653 |
| Return on Equity (ROE) | 17.2972% | 721 |
| Retained earnings to average equity (ytd only) | 13.2766% | 599 |
| Net charge-offs to loans | -0.0099% | 3,668 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9282% | 3,822 |
| Assets per employee ($millions) | 4.5610% | 4,081 |
| Cash dividends to net income (ytd only)* | 23.2440% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,805 |
| Loan loss allowance to noncurrent loans | 394.0449% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.7230% | 1,020 |
| Noncurrent loans to loans | 0.3142% | 2,658 |
| Net loans and leases to total assets | 76.6641% | 496 |
| Net loans and leases to deposits | 89.4437% | 633 |
| Net loans and leases to core deposits | 91.4267% | 954 |
| Total domestic deposits to total assets | 85.7121% | 2,865 |
| Equity capital to assets | 9.5868% | 3,301 |
| Core capital (leverage) ratio | 10.6339% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9551% | 1,626 |
| Memoranda: | ||
| Average total assets | $343,615,750 | 2,252 |
| Average earning assets | $317,987,500 | 2,263 |
| Average equity | $33,361,000 | 2,394 |
| Average total loans | $270,478,250 | 1,869 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 542 |
| Cost of funding earning assets | 0.4053% | 1,841 |
| Net interest margin | 4.2794% | 508 |
| Noninterest income to average assets | 1.0377% | 1,015 |
| Noninterest expense to average assets | 2.7492% | 1,466 |
| Loan and lease loss provision to assets | 0.1783% | 645 |
| Net operating income to assets | 1.6349% | 972 |
| Return on assets (ROA) | 1.6349% | 1,025 |
| Pretax return on assets | 2.0634% | 736 |
| Return on Equity (ROE) | 16.7635% | 819 |
| Retained earnings to average equity (ytd only) | 13.0830% | 702 |
| Net charge-offs to loans | 0.0090% | 1,803 |
| Credit loss provision to net charge-offs | 2,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 314.3333% | 361 |
| Efficiency ratio | 55.0845% | 3,662 |
| Assets per employee ($millions) | 4.4030% | 4,178 |
| Cash dividends to net income (ytd only)* | 21.9557% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 2,879 |
| Loan loss allowance to noncurrent loans | 198.9826% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.0252% | 727 |
| Noncurrent loans to loans | 0.6072% | 1,888 |
| Net loans and leases to total assets | 79.1584% | 369 |
| Net loans and leases to deposits | 92.7409% | 505 |
| Net loans and leases to core deposits | 95.2914% | 839 |
| Total domestic deposits to total assets | 85.3543% | 2,960 |
| Equity capital to assets | 9.8578% | 2,996 |
| Core capital (leverage) ratio | 10.7237% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2483% | 1,547 |
| Memoranda: | ||
| Average total assets | $336,529,000 | 2,274 |
| Average earning assets | $310,885,667 | 2,283 |
| Average equity | $32,821,333 | 2,412 |
| Average total loans | $266,225,667 | 1,892 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7669% | 512 |
| Cost of funding earning assets | 0.4291% | 1,868 |
| Net interest margin | 4.3378% | 481 |
| Noninterest income to average assets | 1.0772% | 1,016 |
| Noninterest expense to average assets | 2.8834% | 1,189 |
| Loan and lease loss provision to assets | 0.1801% | 687 |
| Net operating income to assets | 1.5972% | 1,134 |
| Return on assets (ROA) | 1.5972% | 1,184 |
| Pretax return on assets | 2.0200% | 915 |
| Return on Equity (ROE) | 16.4683% | 934 |
| Retained earnings to average equity (ytd only) | 12.7289% | 972 |
| Net charge-offs to loans | 0.0428% | 1,042 |
| Credit loss provision to net charge-offs | 535.7143% | 577 |
| Earnings coverage of net charge-offs (x) | 65.4286% | 783 |
| Efficiency ratio | 56.7210% | 3,461 |
| Assets per employee ($millions) | 4.1980% | 4,349 |
| Cash dividends to net income (ytd only)* | 22.7068% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 3,035 |
| Loan loss allowance to noncurrent loans | 340.0431% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 1,104 |
| Noncurrent loans to loans | 0.3471% | 2,850 |
| Net loans and leases to total assets | 76.8374% | 554 |
| Net loans and leases to deposits | 89.0649% | 759 |
| Net loans and leases to core deposits | 91.8430% | 1,126 |
| Total domestic deposits to total assets | 86.2712% | 2,642 |
| Equity capital to assets | 9.5021% | 3,204 |
| Core capital (leverage) ratio | 10.6107% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5229% | 1,421 |
| Memoranda: | ||
| Average total assets | $333,077,000 | 2,269 |
| Average earning assets | $307,622,000 | 2,287 |
| Average equity | $32,304,500 | 2,426 |
| Average total loans | $261,748,000 | 1,912 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 500 |
| Cost of funding earning assets | 0.5907% | 2,382 |
| Net interest margin | 4.3992% | 407 |
| Noninterest income to average assets | 1.0879% | 900 |
| Noninterest expense to average assets | 3.0190% | 1,395 |
| Loan and lease loss provision to assets | 0.3457% | 1,007 |
| Net operating income to assets | 1.4202% | 977 |
| Return on assets (ROA) | 1.4205% | 1,059 |
| Pretax return on assets | 1.7832% | 710 |
| Return on Equity (ROE) | 14.2364% | 756 |
| Retained earnings to average equity (ytd only) | 10.4954% | 495 |
| Net charge-offs to loans | 0.2231% | 778 |
| Credit loss provision to net charge-offs | 192.3218% | 2,198 |
| Earnings coverage of net charge-offs (x) | 11.8428% | 2,379 |
| Efficiency ratio | 58.6493% | 3,642 |
| Assets per employee ($millions) | 3.9742% | 4,396 |
| Cash dividends to net income (ytd only)* | 26.2780% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 3,018 |
| Loan loss allowance to noncurrent loans | 196.8244% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.2249% | 694 |
| Noncurrent loans to loans | 0.6031% | 2,190 |
| Net loans and leases to total assets | 78.5287% | 549 |
| Net loans and leases to deposits | 92.5979% | 744 |
| Net loans and leases to core deposits | 95.7876% | 1,130 |
| Total domestic deposits to total assets | 84.8062% | 2,839 |
| Equity capital to assets | 9.9092% | 3,211 |
| Core capital (leverage) ratio | 10.9178% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6713% | 1,353 |
| Memoranda: | ||
| Average total assets | $304,337,800 | 2,277 |
| Average earning assets | $280,848,000 | 2,284 |
| Average equity | $30,365,800 | 2,463 |
| Average total loans | $245,164,400 | 1,942 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8925% | 739 |
| Cost of funding earning assets | 0.6353% | 2,401 |
| Net interest margin | 4.2572% | 643 |
| Noninterest income to average assets | 1.2415% | 707 |
| Noninterest expense to average assets | 3.0534% | 1,331 |
| Loan and lease loss provision to assets | 0.3337% | 1,162 |
| Net operating income to assets | 1.4208% | 1,055 |
| Return on assets (ROA) | 1.4211% | 1,142 |
| Pretax return on assets | 1.7870% | 801 |
| Return on Equity (ROE) | 14.2168% | 835 |
| Retained earnings to average equity (ytd only) | 10.6548% | 640 |
| Net charge-offs to loans | 0.0753% | 1,556 |
| Credit loss provision to net charge-offs | 548.1752% | 1,219 |
| Earnings coverage of net charge-offs (x) | 34.8175% | 1,469 |
| Efficiency ratio | 59.0171% | 3,518 |
| Assets per employee ($millions) | 3.9295% | 4,377 |
| Cash dividends to net income (ytd only)* | 25.0547% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,627 |
| Loan loss allowance to noncurrent loans | 84.9123% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.5392% | 548 |
| Noncurrent loans to loans | 1.4210% | 1,017 |
| Net loans and leases to total assets | 82.9770% | 366 |
| Net loans and leases to deposits | 98.6829% | 586 |
| Net loans and leases to core deposits | 101.9335% | 1,033 |
| Total domestic deposits to total assets | 84.0845% | 2,787 |
| Equity capital to assets | 10.1138% | 3,131 |
| Core capital (leverage) ratio | 10.9117% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6614% | 1,334 |
| Memoranda: | ||
| Average total assets | $299,943,750 | 2,283 |
| Average earning assets | $277,043,250 | 2,288 |
| Average equity | $29,982,500 | 2,473 |
| Average total loans | $242,497,500 | 1,960 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8631% | 1,034 |
| Cost of funding earning assets | 0.7028% | 2,365 |
| Net interest margin | 4.1604% | 999 |
| Noninterest income to average assets | 1.0909% | 836 |
| Noninterest expense to average assets | 3.0609% | 1,439 |
| Loan and lease loss provision to assets | 0.2435% | 1,728 |
| Net operating income to assets | 1.3075% | 1,340 |
| Return on assets (ROA) | 1.3075% | 1,447 |
| Pretax return on assets | 1.6286% | 1,161 |
| Return on Equity (ROE) | 13.1339% | 1,070 |
| Retained earnings to average equity (ytd only) | 9.5150% | 872 |
| Net charge-offs to loans | 0.1032% | 1,247 |
| Credit loss provision to net charge-offs | 295.9016% | 1,631 |
| Earnings coverage of net charge-offs (x) | 22.7459% | 1,620 |
| Efficiency ratio | 62.0487% | 3,118 |
| Assets per employee ($millions) | 4.0681% | 4,240 |
| Cash dividends to net income (ytd only)* | 27.5542% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,043 |
| Loan loss allowance to noncurrent loans | 68.5721% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.6376% | 530 |
| Noncurrent loans to loans | 1.6074% | 917 |
| Net loans and leases to total assets | 80.4162% | 555 |
| Net loans and leases to deposits | 96.5227% | 754 |
| Net loans and leases to core deposits | 101.6355% | 1,142 |
| Total domestic deposits to total assets | 83.3132% | 2,993 |
| Equity capital to assets | 9.8225% | 3,349 |
| Core capital (leverage) ratio | 10.5798% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8391% | 1,289 |
| Memoranda: | ||
| Average total assets | $296,449,333 | 2,276 |
| Average earning assets | $273,775,000 | 2,288 |
| Average equity | $29,511,333 | 2,496 |
| Average total loans | $236,420,333 | 1,976 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0067% | 951 |
| Cost of funding earning assets | 0.7824% | 2,491 |
| Net interest margin | 4.2242% | 875 |
| Noninterest income to average assets | 0.9942% | 871 |
| Noninterest expense to average assets | 3.2391% | 1,340 |
| Loan and lease loss provision to assets | 0.2909% | 1,065 |
| Net operating income to assets | 1.1017% | 1,835 |
| Return on assets (ROA) | 1.1017% | 1,936 |
| Pretax return on assets | 1.3651% | 1,671 |
| Return on Equity (ROE) | 10.9894% | 1,412 |
| Retained earnings to average equity (ytd only) | 7.3171% | 1,438 |
| Net charge-offs to loans | 0.2132% | 655 |
| Credit loss provision to net charge-offs | 172.9508% | 1,500 |
| Earnings coverage of net charge-offs (x) | 9.8443% | 1,800 |
| Efficiency ratio | 66.1690% | 2,939 |
| Assets per employee ($millions) | 3.8843% | 4,071 |
| Cash dividends to net income (ytd only)* | 33.4168% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 2,936 |
| Loan loss allowance to noncurrent loans | 68.9555% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.6338% | 620 |
| Noncurrent loans to loans | 1.6667% | 921 |
| Net loans and leases to total assets | 76.3641% | 1,239 |
| Net loans and leases to deposits | 91.1178% | 1,392 |
| Net loans and leases to core deposits | 98.4733% | 1,591 |
| Total domestic deposits to total assets | 83.8081% | 2,850 |
| Equity capital to assets | 9.9714% | 3,813 |
| Core capital (leverage) ratio | 11.0900% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9879% | 1,353 |
| Memoranda: | ||
| Average total assets | $290,084,500 | 2,264 |
| Average earning assets | $267,882,000 | 2,274 |
| Average equity | $29,082,500 | 2,509 |
| Average total loans | $228,930,000 | 1,993 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1855% | 1,026 |
| Cost of funding earning assets | 0.8689% | 2,339 |
| Net interest margin | 4.3166% | 1,059 |
| Noninterest income to average assets | 0.7323% | 1,694 |
| Noninterest expense to average assets | 2.9986% | 2,019 |
| Loan and lease loss provision to assets | 0.3290% | 482 |
| Net operating income to assets | 1.1205% | 2,366 |
| Return on assets (ROA) | 1.1205% | 2,465 |
| Pretax return on assets | 1.3997% | 2,161 |
| Return on Equity (ROE) | 11.1254% | 1,834 |
| Retained earnings to average equity (ytd only) | 7.1172% | 1,346 |
| Net charge-offs to loans | 0.3093% | 668 |
| Credit loss provision to net charge-offs | 129.7297% | 1,971 |
| Earnings coverage of net charge-offs (x) | 6.8165% | 2,932 |
| Efficiency ratio | 63.4310% | 3,157 |
| Assets per employee ($millions) | 3.7496% | 4,215 |
| Cash dividends to net income (ytd only)* | 36.0270% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 2,948 |
| Loan loss allowance to noncurrent loans | 70.8847% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.5851% | 620 |
| Noncurrent loans to loans | 1.5543% | 917 |
| Net loans and leases to total assets | 79.7562% | 817 |
| Net loans and leases to deposits | 95.6819% | 976 |
| Net loans and leases to core deposits | 103.8648% | 1,237 |
| Total domestic deposits to total assets | 83.3556% | 3,083 |
| Equity capital to assets | 10.0816% | 3,851 |
| Core capital (leverage) ratio | 10.9378% | 2,555 |
| Tier 1 risk-based capital ratio | 15.5761% | 2,553 |
| Total risk-based capital ratio | 16.8263% | 2,489 |
| Memoranda: | ||
| Average total assets | $277,193,200 | 2,289 |
| Average earning assets | $256,543,800 | 2,295 |
| Average equity | $27,918,200 | 2,500 |
| Average total loans | $227,268,200 | 1,974 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1738% | 1,095 |
| Cost of funding earning assets | 0.8657% | 2,384 |
| Net interest margin | 4.3081% | 1,149 |
| Noninterest income to average assets | 0.8225% | 1,350 |
| Noninterest expense to average assets | 3.0037% | 1,972 |
| Loan and lease loss provision to assets | 0.3696% | 356 |
| Net operating income to assets | 1.1446% | 2,389 |
| Return on assets (ROA) | 1.1446% | 2,477 |
| Pretax return on assets | 1.4362% | 2,171 |
| Return on Equity (ROE) | 11.3676% | 1,858 |
| Retained earnings to average equity (ytd only) | 7.2689% | 1,727 |
| Net charge-offs to loans | 0.2630% | 664 |
| Credit loss provision to net charge-offs | 170.6935% | 1,489 |
| Earnings coverage of net charge-offs (x) | 8.3400% | 2,666 |
| Efficiency ratio | 62.4534% | 3,254 |
| Assets per employee ($millions) | 3.9246% | 3,996 |
| Cash dividends to net income (ytd only)* | 36.0558% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 2,752 |
| Loan loss allowance to noncurrent loans | 74.0045% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.8031% | 550 |
| Noncurrent loans to loans | 1.5596% | 955 |
| Net loans and leases to total assets | 79.9804% | 847 |
| Net loans and leases to deposits | 96.2464% | 987 |
| Net loans and leases to core deposits | 104.7678% | 1,280 |
| Total domestic deposits to total assets | 83.0996% | 3,129 |
| Equity capital to assets | 10.1135% | 3,903 |
| Core capital (leverage) ratio | 11.0492% | 2,601 |
| Tier 1 risk-based capital ratio | 15.4268% | 2,661 |
| Total risk-based capital ratio | 16.6779% | 2,598 |
| Memoranda: | ||
| Average total assets | $275,250,000 | 2,320 |
| Average earning assets | $254,739,250 | 2,321 |
| Average equity | $27,715,500 | 2,526 |
| Average total loans | $226,632,750 | 1,996 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1517% | 1,100 |
| Cost of funding earning assets | 0.8536% | 2,382 |
| Net interest margin | 4.2981% | 1,152 |
| Noninterest income to average assets | 0.7705% | 1,438 |
| Noninterest expense to average assets | 3.0974% | 1,736 |
| Loan and lease loss provision to assets | 0.2302% | 709 |
| Net operating income to assets | 1.1437% | 2,353 |
| Return on assets (ROA) | 1.1437% | 2,429 |
| Pretax return on assets | 1.4149% | 2,153 |
| Return on Equity (ROE) | 11.3752% | 1,839 |
| Retained earnings to average equity (ytd only) | 7.4814% | 1,611 |
| Net charge-offs to loans | 0.1699% | 953 |
| Credit loss provision to net charge-offs | 163.5417% | 1,401 |
| Earnings coverage of net charge-offs (x) | 11.6875% | 2,191 |
| Efficiency ratio | 65.3115% | 2,919 |
| Assets per employee ($millions) | 3.9229% | 3,972 |
| Cash dividends to net income (ytd only)* | 34.2308% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,229 |
| Loan loss allowance to noncurrent loans | 52.1878% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 2.7010% | 251 |
| Noncurrent loans to loans | 2.0534% | 683 |
| Net loans and leases to total assets | 82.1985% | 574 |
| Net loans and leases to deposits | 98.1545% | 826 |
| Net loans and leases to core deposits | 106.8528% | 1,186 |
| Total domestic deposits to total assets | 83.7440% | 2,969 |
| Equity capital to assets | 10.2116% | 3,788 |
| Core capital (leverage) ratio | 10.8949% | 2,698 |
| Tier 1 risk-based capital ratio | 15.0888% | 2,795 |
| Total risk-based capital ratio | 16.3119% | 2,733 |
| Memoranda: | ||
| Average total assets | $272,809,000 | 2,342 |
| Average earning assets | $252,109,000 | 2,346 |
| Average equity | $27,428,000 | 2,535 |
| Average total loans | $225,963,000 | 2,005 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0446% | 1,225 |
| Cost of funding earning assets | 0.8174% | 2,439 |
| Net interest margin | 4.2272% | 1,244 |
| Noninterest income to average assets | 0.7267% | 1,523 |
| Noninterest expense to average assets | 3.1466% | 1,623 |
| Loan and lease loss provision to assets | 0.1471% | 1,150 |
| Net operating income to assets | 1.0768% | 2,559 |
| Return on assets (ROA) | 1.0768% | 2,605 |
| Pretax return on assets | 1.3431% | 2,278 |
| Return on Equity (ROE) | 10.7959% | 2,024 |
| Retained earnings to average equity (ytd only) | 6.8580% | 2,094 |
| Net charge-offs to loans | 0.1405% | 905 |
| Credit loss provision to net charge-offs | 126.5823% | 1,372 |
| Earnings coverage of net charge-offs (x) | 12.8228% | 1,853 |
| Efficiency ratio | 67.8617% | 2,659 |
| Assets per employee ($millions) | 3.8321% | 4,144 |
| Cash dividends to net income (ytd only)* | 36.4754% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,493 |
| Loan loss allowance to noncurrent loans | 55.4662% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 2.1437% | 421 |
| Noncurrent loans to loans | 1.8677% | 815 |
| Net loans and leases to total assets | 80.0468% | 826 |
| Net loans and leases to deposits | 95.4322% | 1,022 |
| Net loans and leases to core deposits | 104.8073% | 1,258 |
| Total domestic deposits to total assets | 83.8781% | 3,089 |
| Equity capital to assets | 9.7879% | 4,017 |
| Core capital (leverage) ratio | 10.9859% | 2,589 |
| Tier 1 risk-based capital ratio | 15.0687% | 2,862 |
| Total risk-based capital ratio | 16.2619% | 2,806 |
| Memoranda: | ||
| Average total assets | $271,913,500 | 2,367 |
| Average earning assets | $251,516,500 | 2,370 |
| Average equity | $27,121,500 | 2,562 |
| Average total loans | $224,863,500 | 2,024 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9044% | 1,273 |
| Cost of funding earning assets | 0.5648% | 2,958 |
| Net interest margin | 4.3396% | 1,066 |
| Noninterest income to average assets | 0.5943% | 2,326 |
| Noninterest expense to average assets | 2.9246% | 2,258 |
| Loan and lease loss provision to assets | 0.1746% | 1,138 |
| Net operating income to assets | 1.2308% | 2,047 |
| Return on assets (ROA) | 1.2305% | 2,038 |
| Pretax return on assets | 1.5308% | 1,676 |
| Return on Equity (ROE) | 12.2996% | 1,614 |
| Retained earnings to average equity (ytd only) | 8.5849% | 1,017 |
| Net charge-offs to loans | 0.1297% | 1,455 |
| Credit loss provision to net charge-offs | 165.4412% | 1,686 |
| Earnings coverage of net charge-offs (x) | 16.1654% | 2,267 |
| Efficiency ratio | 63.1619% | 3,311 |
| Assets per employee ($millions) | 3.7195% | 4,291 |
| Cash dividends to net income (ytd only)* | 30.2018% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 3,449 |
| Loan loss allowance to noncurrent loans | 67.3919% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.9645% | 492 |
| Noncurrent loans to loans | 1.5426% | 973 |
| Net loans and leases to total assets | 83.7366% | 437 |
| Net loans and leases to deposits | 100.1250% | 734 |
| Net loans and leases to core deposits | 109.2500% | 1,043 |
| Total domestic deposits to total assets | 83.6320% | 3,111 |
| Equity capital to assets | 10.1718% | 3,503 |
| Core capital (leverage) ratio | 11.1356% | 2,406 |
| Tier 1 risk-based capital ratio | 15.0053% | 2,830 |
| Total risk-based capital ratio | 16.2017% | 2,777 |
| Memoranda: | ||
| Average total assets | $257,780,000 | 2,421 |
| Average earning assets | $239,743,200 | 2,409 |
| Average equity | $25,789,400 | 2,581 |
| Average total loans | $209,644,000 | 2,096 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8035% | 1,417 |
| Cost of funding earning assets | 0.5188% | 3,071 |
| Net interest margin | 4.2847% | 1,153 |
| Noninterest income to average assets | 0.6037% | 2,287 |
| Noninterest expense to average assets | 2.8768% | 2,378 |
| Loan and lease loss provision to assets | 0.1749% | 1,053 |
| Net operating income to assets | 1.2385% | 2,091 |
| Return on assets (ROA) | 1.2380% | 2,096 |
| Pretax return on assets | 1.5440% | 1,752 |
| Return on Equity (ROE) | 12.4285% | 1,627 |
| Retained earnings to average equity (ytd only) | 8.8081% | 1,300 |
| Net charge-offs to loans | 0.1261% | 1,255 |
| Credit loss provision to net charge-offs | 172.3077% | 1,552 |
| Earnings coverage of net charge-offs (x) | 16.9438% | 2,134 |
| Efficiency ratio | 62.5906% | 3,408 |
| Assets per employee ($millions) | 3.6883% | 4,326 |
| Cash dividends to net income (ytd only)* | 29.1300% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 3,506 |
| Loan loss allowance to noncurrent loans | 76.7372% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.7996% | 646 |
| Noncurrent loans to loans | 1.3602% | 1,228 |
| Net loans and leases to total assets | 81.6131% | 778 |
| Net loans and leases to deposits | 97.3311% | 1,011 |
| Net loans and leases to core deposits | 106.1143% | 1,301 |
| Total domestic deposits to total assets | 83.8510% | 2,995 |
| Equity capital to assets | 9.9134% | 3,726 |
| Core capital (leverage) ratio | 11.0762% | 2,508 |
| Tier 1 risk-based capital ratio | 14.9698% | 2,898 |
| Total risk-based capital ratio | 16.1661% | 2,837 |
| Memoranda: | ||
| Average total assets | $256,204,250 | 2,448 |
| Average earning assets | $238,734,750 | 2,434 |
| Average equity | $25,521,250 | 2,615 |
| Average total loans | $206,190,750 | 2,136 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7603% | 1,355 |
| Cost of funding earning assets | 0.4601% | 3,284 |
| Net interest margin | 4.3002% | 1,034 |
| Noninterest income to average assets | 0.5184% | 2,756 |
| Noninterest expense to average assets | 2.8931% | 2,373 |
| Loan and lease loss provision to assets | 0.1454% | 1,314 |
| Net operating income to assets | 1.2059% | 2,171 |
| Return on assets (ROA) | 1.2059% | 2,171 |
| Pretax return on assets | 1.4904% | 1,848 |
| Return on Equity (ROE) | 12.0857% | 1,693 |
| Retained earnings to average equity (ytd only) | 8.2921% | 1,495 |
| Net charge-offs to loans | 0.1605% | 958 |
| Credit loss provision to net charge-offs | 113.5802% | 1,853 |
| Earnings coverage of net charge-offs (x) | 12.7778% | 2,181 |
| Efficiency ratio | 63.8806% | 3,326 |
| Assets per employee ($millions) | 3.7998% | 4,213 |
| Cash dividends to net income (ytd only)* | 31.3893% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 3,704 |
| Loan loss allowance to noncurrent loans | 148.7303% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.3120% | 1,077 |
| Noncurrent loans to loans | 0.6873% | 2,388 |
| Net loans and leases to total assets | 81.2105% | 824 |
| Net loans and leases to deposits | 101.8137% | 677 |
| Net loans and leases to core deposits | 111.1762% | 927 |
| Total domestic deposits to total assets | 79.7638% | 4,292 |
| Equity capital to assets | 9.9577% | 3,670 |
| Core capital (leverage) ratio | 11.0520% | 2,479 |
| Tier 1 risk-based capital ratio | 15.0365% | 2,858 |
| Total risk-based capital ratio | 16.2045% | 2,817 |
| Memoranda: | ||
| Average total assets | $253,086,000 | 2,480 |
| Average earning assets | $236,034,330 | 2,465 |
| Average equity | $25,253,000 | 2,648 |
| Average total loans | $201,915,330 | 2,169 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 1,211 |
| Cost of funding earning assets | 0.4418% | 3,274 |
| Net interest margin | 4.2980% | 950 |
| Noninterest income to average assets | 0.3642% | 3,705 |
| Noninterest expense to average assets | 3.0123% | 2,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0989% | 2,425 |
| Return on assets (ROA) | 1.0989% | 2,436 |
| Pretax return on assets | 1.3608% | 2,145 |
| Return on Equity (ROE) | 11.0014% | 1,967 |
| Retained earnings to average equity (ytd only) | 7.5635% | 2,010 |
| Net charge-offs to loans | 0.1057% | 1,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 16.3846% | 1,629 |
| Efficiency ratio | 68.8824% | 2,685 |
| Assets per employee ($millions) | 3.7168% | 4,394 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,679 |
| Loan loss allowance to noncurrent loans | 156.7790% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.3350% | 1,107 |
| Noncurrent loans to loans | 0.6680% | 2,548 |
| Net loans and leases to total assets | 78.2421% | 1,206 |
| Net loans and leases to deposits | 97.2571% | 920 |
| Net loans and leases to core deposits | 106.7189% | 1,191 |
| Total domestic deposits to total assets | 80.4487% | 4,336 |
| Equity capital to assets | 9.9687% | 3,626 |
| Core capital (leverage) ratio | 11.1434% | 2,290 |
| Tier 1 risk-based capital ratio | 15.7774% | 2,563 |
| Total risk-based capital ratio | 16.9856% | 2,529 |
| Memoranda: | ||
| Average total assets | $250,437,500 | 2,510 |
| Average earning assets | $233,597,000 | 2,507 |
| Average equity | $25,015,000 | 2,685 |
| Average total loans | $196,872,500 | 2,219 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 1,725 |
| Cost of funding earning assets | 0.3869% | 3,370 |
| Net interest margin | 4.1067% | 1,410 |
| Noninterest income to average assets | 0.7116% | 1,912 |
| Noninterest expense to average assets | 3.0807% | 1,913 |
| Loan and lease loss provision to assets | 0.1334% | 1,717 |
| Net operating income to assets | 0.6398% | 3,855 |
| Return on assets (ROA) | 0.6396% | 3,890 |
| Pretax return on assets | 1.3141% | 2,292 |
| Return on Equity (ROE) | 6.4356% | 3,560 |
| Retained earnings to average equity (ytd only) | 3.0581% | 3,473 |
| Net charge-offs to loans | 0.1156% | 1,889 |
| Credit loss provision to net charge-offs | 152.5581% | 1,751 |
| Earnings coverage of net charge-offs (x) | 16.5535% | 2,170 |
| Efficiency ratio | 66.3822% | 3,191 |
| Assets per employee ($millions) | 3.7035% | 4,428 |
| Cash dividends to net income (ytd only)* | 52.4809% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,322 |
| Loan loss allowance to noncurrent loans | 253.5461% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 1.2578% | 1,158 |
| Noncurrent loans to loans | 0.4363% | 3,219 |
| Net loans and leases to total assets | 77.2797% | 1,379 |
| Net loans and leases to deposits | 97.2561% | 971 |
| Net loans and leases to core deposits | 107.2712% | 1,199 |
| Total domestic deposits to total assets | 79.4600% | 4,456 |
| Equity capital to assets | 10.0087% | 3,697 |
| Core capital (leverage) ratio | 10.8106% | 2,527 |
| Tier 1 risk-based capital ratio | 15.9115% | 2,463 |
| Total risk-based capital ratio | 17.1616% | 2,407 |
| Memoranda: | ||
| Average total assets | $245,786,600 | 2,521 |
| Average earning assets | $228,453,600 | 2,511 |
| Average equity | $24,426,800 | 2,721 |
| Average total loans | $185,911,200 | 2,275 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 1,812 |
| Cost of funding earning assets | 0.3664% | 3,495 |
| Net interest margin | 4.0768% | 1,457 |
| Noninterest income to average assets | 0.7216% | 1,901 |
| Noninterest expense to average assets | 3.1174% | 1,756 |
| Loan and lease loss provision to assets | 0.1104% | 1,935 |
| Net operating income to assets | 0.8639% | 3,209 |
| Return on assets (ROA) | 0.8635% | 3,258 |
| Pretax return on assets | 1.2811% | 2,581 |
| Return on Equity (ROE) | 8.7042% | 2,761 |
| Retained earnings to average equity (ytd only) | 5.1579% | 2,771 |
| Net charge-offs to loans | 0.0790% | 2,009 |
| Credit loss provision to net charge-offs | 186.2385% | 1,426 |
| Earnings coverage of net charge-offs (x) | 23.4862% | 1,808 |
| Efficiency ratio | 67.4786% | 2,970 |
| Assets per employee ($millions) | 3.6436% | 4,524 |
| Cash dividends to net income (ytd only)* | 40.7433% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 3,375 |
| Loan loss allowance to noncurrent loans | 102.6062% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.8134% | 758 |
| Noncurrent loans to loans | 1.0927% | 1,765 |
| Net loans and leases to total assets | 74.5809% | 1,825 |
| Net loans and leases to deposits | 94.8844% | 1,211 |
| Net loans and leases to core deposits | 105.4098% | 1,310 |
| Total domestic deposits to total assets | 78.6018% | 4,608 |
| Equity capital to assets | 9.8553% | 4,082 |
| Core capital (leverage) ratio | 10.8030% | 2,643 |
| Tier 1 risk-based capital ratio | 16.1072% | 2,453 |
| Total risk-based capital ratio | 17.3576% | 2,400 |
| Memoranda: | ||
| Average total assets | $245,199,500 | 2,543 |
| Average earning assets | $227,821,500 | 2,536 |
| Average equity | $24,324,750 | 2,754 |
| Average total loans | $183,913,250 | 2,299 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 1,866 |
| Cost of funding earning assets | 0.3368% | 3,730 |
| Net interest margin | 4.0489% | 1,465 |
| Noninterest income to average assets | 0.7395% | 1,813 |
| Noninterest expense to average assets | 3.2452% | 1,488 |
| Loan and lease loss provision to assets | 0.0847% | 2,293 |
| Net operating income to assets | 0.7881% | 3,449 |
| Return on assets (ROA) | 0.7881% | 3,505 |
| Pretax return on assets | 1.1673% | 2,908 |
| Return on Equity (ROE) | 7.9259% | 3,073 |
| Retained earnings to average equity (ytd only) | 4.9557% | 2,740 |
| Net charge-offs to loans | 0.1044% | 1,586 |
| Credit loss provision to net charge-offs | 108.4211% | 1,909 |
| Earnings coverage of net charge-offs (x) | 16.0211% | 1,994 |
| Efficiency ratio | 70.4957% | 2,586 |
| Assets per employee ($millions) | 3.5773% | 4,611 |
| Cash dividends to net income (ytd only)* | 37.4739% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,575 |
| Loan loss allowance to noncurrent loans | 102.3583% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.8624% | 722 |
| Noncurrent loans to loans | 1.0763% | 1,822 |
| Net loans and leases to total assets | 74.1918% | 1,832 |
| Net loans and leases to deposits | 94.0233% | 1,258 |
| Net loans and leases to core deposits | 104.1991% | 1,338 |
| Total domestic deposits to total assets | 78.9079% | 4,635 |
| Equity capital to assets | 9.9086% | 4,021 |
| Core capital (leverage) ratio | 11.0081% | 2,394 |
| Tier 1 risk-based capital ratio | 16.2762% | 2,401 |
| Total risk-based capital ratio | 17.5261% | 2,346 |
| Memoranda: | ||
| Average total assets | $243,129,670 | 2,566 |
| Average earning assets | $225,640,670 | 2,577 |
| Average equity | $24,174,000 | 2,761 |
| Average total loans | $182,008,000 | 2,326 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3989% | 1,650 |
| Cost of funding earning assets | 0.3254% | 3,797 |
| Net interest margin | 4.0735% | 1,289 |
| Noninterest income to average assets | 0.8389% | 1,435 |
| Noninterest expense to average assets | 3.1250% | 1,802 |
| Loan and lease loss provision to assets | 0.0398% | 3,009 |
| Net operating income to assets | 0.9665% | 2,450 |
| Return on assets (ROA) | 0.9665% | 2,502 |
| Pretax return on assets | 1.4506% | 1,695 |
| Return on Equity (ROE) | 9.7037% | 2,098 |
| Retained earnings to average equity (ytd only) | 6.7077% | 1,974 |
| Net charge-offs to loans | 0.1108% | 1,281 |
| Credit loss provision to net charge-offs | 48.0000% | 2,002 |
| Earnings coverage of net charge-offs (x) | 17.9800% | 1,581 |
| Efficiency ratio | 66.0560% | 3,488 |
| Assets per employee ($millions) | 3.6022% | 4,640 |
| Cash dividends to net income (ytd only)* | 30.8748% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 3,642 |
| Loan loss allowance to noncurrent loans | 337.1429% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 1.4162% | 1,169 |
| Noncurrent loans to loans | 0.3300% | 3,929 |
| Net loans and leases to total assets | 73.8757% | 1,765 |
| Net loans and leases to deposits | 91.5790% | 1,370 |
| Net loans and leases to core deposits | 101.6418% | 1,392 |
| Total domestic deposits to total assets | 80.6688% | 4,486 |
| Equity capital to assets | 10.0379% | 3,709 |
| Core capital (leverage) ratio | 10.9311% | 2,436 |
| Tier 1 risk-based capital ratio | 16.6910% | 2,281 |
| Total risk-based capital ratio | 17.9414% | 2,249 |
| Memoranda: | ||
| Average total assets | $241,276,500 | 2,600 |
| Average earning assets | $223,690,500 | 2,610 |
| Average equity | $24,032,000 | 2,787 |
| Average total loans | $180,426,000 | 2,357 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 1,630 |
| Cost of funding earning assets | 0.3223% | 3,820 |
| Net interest margin | 4.1482% | 1,249 |
| Noninterest income to average assets | 0.8583% | 1,543 |
| Noninterest expense to average assets | 3.3910% | 1,380 |
| Loan and lease loss provision to assets | 0.1283% | 1,938 |
| Net operating income to assets | 0.7830% | 3,384 |
| Return on assets (ROA) | 0.7827% | 3,487 |
| Pretax return on assets | 1.1767% | 2,770 |
| Return on Equity (ROE) | 7.7881% | 3,059 |
| Retained earnings to average equity (ytd only) | 5.3287% | 2,113 |
| Net charge-offs to loans | 0.1081% | 2,190 |
| Credit loss provision to net charge-offs | 158.2011% | 1,737 |
| Earnings coverage of net charge-offs (x) | 16.0952% | 2,141 |
| Efficiency ratio | 70.5318% | 2,823 |
| Assets per employee ($millions) | 3.4958% | 4,770 |
| Cash dividends to net income (ytd only)* | 31.5789% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 3,572 |
| Loan loss allowance to noncurrent loans | 252.7363% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 1.5037% | 1,105 |
| Noncurrent loans to loans | 0.4453% | 3,551 |
| Net loans and leases to total assets | 74.0103% | 1,849 |
| Net loans and leases to deposits | 92.0822% | 1,445 |
| Net loans and leases to core deposits | 102.6544% | 1,398 |
| Total domestic deposits to total assets | 80.3741% | 4,491 |
| Equity capital to assets | 9.8828% | 3,838 |
| Core capital (leverage) ratio | 10.8454% | 2,493 |
| Tier 1 risk-based capital ratio | 16.3327% | 2,414 |
| Total risk-based capital ratio | 17.5839% | 2,349 |
| Memoranda: | ||
| Average total assets | $233,031,600 | 2,631 |
| Average earning assets | $215,609,200 | 2,647 |
| Average equity | $23,420,200 | 2,857 |
| Average total loans | $174,780,200 | 2,361 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 1,643 |
| Cost of funding earning assets | 0.3220% | 3,845 |
| Net interest margin | 4.1450% | 1,268 |
| Noninterest income to average assets | 0.8231% | 1,673 |
| Noninterest expense to average assets | 3.3744% | 1,400 |
| Loan and lease loss provision to assets | 0.1235% | 1,888 |
| Net operating income to assets | 0.7964% | 3,382 |
| Return on assets (ROA) | 0.7960% | 3,524 |
| Pretax return on assets | 1.1585% | 3,009 |
| Return on Equity (ROE) | 7.8857% | 3,067 |
| Retained earnings to average equity (ytd only) | 5.4154% | 2,541 |
| Net charge-offs to loans | 0.1100% | 1,845 |
| Credit loss provision to net charge-offs | 149.6503% | 1,776 |
| Earnings coverage of net charge-offs (x) | 15.5386% | 2,177 |
| Efficiency ratio | 70.7610% | 2,781 |
| Assets per employee ($millions) | 3.5177% | 4,752 |
| Cash dividends to net income (ytd only)* | 31.3273% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 3,753 |
| Loan loss allowance to noncurrent loans | 152.6034% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 1.7582% | 949 |
| Noncurrent loans to loans | 0.7310% | 2,846 |
| Net loans and leases to total assets | 74.9539% | 1,710 |
| Net loans and leases to deposits | 94.6000% | 1,194 |
| Net loans and leases to core deposits | 105.7630% | 1,208 |
| Total domestic deposits to total assets | 79.2324% | 4,667 |
| Equity capital to assets | 10.1227% | 4,008 |
| Core capital (leverage) ratio | 10.7683% | 2,712 |
| Tier 1 risk-based capital ratio | 16.1218% | 2,575 |
| Total risk-based capital ratio | 17.3738% | 2,525 |
| Memoranda: | ||
| Average total assets | $230,987,750 | 2,663 |
| Average earning assets | $213,649,750 | 2,670 |
| Average equity | $23,315,750 | 2,880 |
| Average total loans | $173,337,750 | 2,384 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4357% | 1,723 |
| Cost of funding earning assets | 0.3133% | 3,983 |
| Net interest margin | 4.1224% | 1,317 |
| Noninterest income to average assets | 0.7985% | 1,721 |
| Noninterest expense to average assets | 3.3354% | 1,519 |
| Loan and lease loss provision to assets | 0.1133% | 1,983 |
| Net operating income to assets | 0.7811% | 3,398 |
| Return on assets (ROA) | 0.7811% | 3,541 |
| Pretax return on assets | 1.1577% | 2,951 |
| Return on Equity (ROE) | 7.7458% | 3,122 |
| Retained earnings to average equity (ytd only) | 5.2561% | 2,582 |
| Net charge-offs to loans | 0.1084% | 1,740 |
| Credit loss provision to net charge-offs | 139.7849% | 1,688 |
| Earnings coverage of net charge-offs (x) | 15.6774% | 1,973 |
| Efficiency ratio | 70.6662% | 2,881 |
| Assets per employee ($millions) | 3.3555% | 4,988 |
| Cash dividends to net income (ytd only)* | 32.1429% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 3,802 |
| Loan loss allowance to noncurrent loans | 171.3911% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 1.7466% | 1,010 |
| Noncurrent loans to loans | 0.6573% | 3,104 |
| Net loans and leases to total assets | 74.2635% | 1,792 |
| Net loans and leases to deposits | 94.4991% | 1,237 |
| Net loans and leases to core deposits | 106.2682% | 1,162 |
| Total domestic deposits to total assets | 78.5865% | 4,876 |
| Equity capital to assets | 10.1520% | 4,025 |
| Core capital (leverage) ratio | 10.7004% | 2,740 |
| Tier 1 risk-based capital ratio | 16.1931% | 2,551 |
| Total risk-based capital ratio | 17.4436% | 2,499 |
| Memoranda: | ||
| Average total assets | $229,420,670 | 2,681 |
| Average earning assets | $211,917,670 | 2,698 |
| Average equity | $23,135,000 | 2,908 |
| Average total loans | $171,566,670 | 2,394 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 1,610 |
| Cost of funding earning assets | 0.3071% | 4,087 |
| Net interest margin | 4.1579% | 1,200 |
| Noninterest income to average assets | 0.7987% | 1,618 |
| Noninterest expense to average assets | 3.3630% | 1,459 |
| Loan and lease loss provision to assets | 0.1454% | 1,453 |
| Net operating income to assets | 0.7602% | 3,436 |
| Return on assets (ROA) | 0.7602% | 3,547 |
| Pretax return on assets | 1.1315% | 2,965 |
| Return on Equity (ROE) | 7.5643% | 3,155 |
| Retained earnings to average equity (ytd only) | 5.0545% | 2,904 |
| Net charge-offs to loans | 0.0634% | 1,860 |
| Credit loss provision to net charge-offs | 307.4074% | 835 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,256 |
| Efficiency ratio | 70.7437% | 2,998 |
| Assets per employee ($millions) | 3.2820% | 5,154 |
| Cash dividends to net income (ytd only)* | 33.1797% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 3,710 |
| Loan loss allowance to noncurrent loans | 177.0815% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.7604% | 1,067 |
| Noncurrent loans to loans | 0.6559% | 3,205 |
| Net loans and leases to total assets | 72.2397% | 1,998 |
| Net loans and leases to deposits | 90.8112% | 1,484 |
| Net loans and leases to core deposits | 101.2304% | 1,393 |
| Total domestic deposits to total assets | 79.5494% | 4,848 |
| Equity capital to assets | 9.9459% | 4,149 |
| Core capital (leverage) ratio | 10.7219% | 2,696 |
| Tier 1 risk-based capital ratio | 16.2545% | 2,570 |
| Total risk-based capital ratio | 17.5060% | 2,528 |
| Memoranda: | ||
| Average total assets | $228,365,500 | 2,704 |
| Average earning assets | $210,972,500 | 2,708 |
| Average equity | $22,950,000 | 2,933 |
| Average total loans | $170,399,000 | 2,404 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 1,691 |
| Cost of funding earning assets | 0.3223% | 4,000 |
| Net interest margin | 4.1468% | 1,289 |
| Noninterest income to average assets | 0.8522% | 1,600 |
| Noninterest expense to average assets | 3.5397% | 1,231 |
| Loan and lease loss provision to assets | 0.1134% | 2,113 |
| Net operating income to assets | 0.6868% | 3,878 |
| Return on assets (ROA) | 0.6864% | 3,980 |
| Pretax return on assets | 1.0103% | 3,428 |
| Return on Equity (ROE) | 6.7572% | 3,647 |
| Retained earnings to average equity (ytd only) | 3.4230% | 3,618 |
| Net charge-offs to loans | 0.0923% | 2,508 |
| Credit loss provision to net charge-offs | 169.5946% | 1,590 |
| Earnings coverage of net charge-offs (x) | 16.8176% | 2,106 |
| Efficiency ratio | 74.1261% | 2,564 |
| Assets per employee ($millions) | 3.2422% | 5,242 |
| Cash dividends to net income (ytd only)* | 49.3421% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 3,884 |
| Loan loss allowance to noncurrent loans | 232.6877% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 1.7174% | 1,129 |
| Noncurrent loans to loans | 0.4845% | 3,746 |
| Net loans and leases to total assets | 75.3494% | 1,517 |
| Net loans and leases to deposits | 95.6842% | 1,045 |
| Net loans and leases to core deposits | 102.9826% | 1,298 |
| Total domestic deposits to total assets | 78.7480% | 5,024 |
| Equity capital to assets | 10.1577% | 3,797 |
| Core capital (leverage) ratio | 10.7891% | 2,614 |
| Tier 1 risk-based capital ratio | 15.6921% | 2,835 |
| Total risk-based capital ratio | 16.9469% | 2,769 |
| Memoranda: | ||
| Average total assets | $221,429,600 | 2,734 |
| Average earning assets | $203,530,200 | 2,746 |
| Average equity | $22,494,600 | 2,921 |
| Average total loans | $160,414,200 | 2,463 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 1,820 |
| Cost of funding earning assets | 0.3287% | 4,001 |
| Net interest margin | 4.0994% | 1,411 |
| Noninterest income to average assets | 0.8343% | 1,674 |
| Noninterest expense to average assets | 3.5261% | 1,243 |
| Loan and lease loss provision to assets | 0.0761% | 2,662 |
| Net operating income to assets | 0.6874% | 3,955 |
| Return on assets (ROA) | 0.6870% | 4,077 |
| Pretax return on assets | 0.9961% | 3,633 |
| Return on Equity (ROE) | 6.7624% | 3,749 |
| Retained earnings to average equity (ytd only) | 3.1613% | 4,210 |
| Net charge-offs to loans | 0.0659% | 2,634 |
| Credit loss provision to net charge-offs | 161.5385% | 1,590 |
| Earnings coverage of net charge-offs (x) | 22.7814% | 1,762 |
| Efficiency ratio | 74.8753% | 2,426 |
| Assets per employee ($millions) | 3.1720% | 5,339 |
| Cash dividends to net income (ytd only)* | 53.2512% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 4,127 |
| Loan loss allowance to noncurrent loans | 202.0563% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 1.8141% | 1,176 |
| Noncurrent loans to loans | 0.5531% | 3,677 |
| Net loans and leases to total assets | 74.3921% | 1,660 |
| Net loans and leases to deposits | 96.7033% | 939 |
| Net loans and leases to core deposits | 99.9075% | 1,525 |
| Total domestic deposits to total assets | 76.9282% | 5,353 |
| Equity capital to assets | 10.2262% | 3,898 |
| Core capital (leverage) ratio | 10.8115% | 2,703 |
| Tier 1 risk-based capital ratio | 15.7390% | 2,930 |
| Total risk-based capital ratio | 16.9929% | 2,858 |
| Memoranda: | ||
| Average total assets | $220,859,250 | 2,765 |
| Average earning assets | $202,821,750 | 2,771 |
| Average equity | $22,437,250 | 2,945 |
| Average total loans | $157,896,000 | 2,505 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 1,968 |
| Cost of funding earning assets | 0.3312% | 4,036 |
| Net interest margin | 4.0311% | 1,551 |
| Noninterest income to average assets | 0.9217% | 1,382 |
| Noninterest expense to average assets | 3.3429% | 1,594 |
| Loan and lease loss provision to assets | 0.2268% | 830 |
| Net operating income to assets | 0.7375% | 3,701 |
| Return on assets (ROA) | 0.7375% | 3,813 |
| Pretax return on assets | 1.0505% | 3,378 |
| Return on Equity (ROE) | 7.2759% | 3,448 |
| Retained earnings to average equity (ytd only) | 3.1413% | 4,053 |
| Net charge-offs to loans | 0.2738% | 966 |
| Credit loss provision to net charge-offs | 117.9245% | 1,827 |
| Earnings coverage of net charge-offs (x) | 6.6415% | 2,757 |
| Efficiency ratio | 70.5478% | 3,248 |
| Assets per employee ($millions) | 3.2272% | 5,299 |
| Cash dividends to net income (ytd only)* | 56.8266% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 4,003 |
| Loan loss allowance to noncurrent loans | 102.6534% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 2.3832% | 826 |
| Noncurrent loans to loans | 1.1345% | 2,382 |
| Net loans and leases to total assets | 71.8141% | 2,017 |
| Net loans and leases to deposits | 92.7592% | 1,276 |
| Net loans and leases to core deposits | 97.4090% | 1,697 |
| Total domestic deposits to total assets | 77.4199% | 5,388 |
| Equity capital to assets | 10.2392% | 3,765 |
| Core capital (leverage) ratio | 10.6246% | 2,823 |
| Tier 1 risk-based capital ratio | 16.4291% | 2,645 |
| Total risk-based capital ratio | 17.6832% | 2,601 |
| Memoranda: | ||
| Average total assets | $220,466,670 | 2,786 |
| Average earning assets | $202,277,000 | 2,796 |
| Average equity | $22,347,670 | 2,966 |
| Average total loans | $154,846,330 | 2,555 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3475% | 1,948 |
| Cost of funding earning assets | 0.3297% | 4,096 |
| Net interest margin | 4.0178% | 1,500 |
| Noninterest income to average assets | 0.9141% | 1,341 |
| Noninterest expense to average assets | 3.3108% | 1,698 |
| Loan and lease loss provision to assets | 0.2263% | 774 |
| Net operating income to assets | 0.7241% | 3,670 |
| Return on assets (ROA) | 0.7241% | 3,807 |
| Pretax return on assets | 1.0608% | 3,260 |
| Return on Equity (ROE) | 7.1792% | 3,413 |
| Retained earnings to average equity (ytd only) | 2.8537% | 4,258 |
| Net charge-offs to loans | 0.0157% | 2,854 |
| Credit loss provision to net charge-offs | 2,083.3333% | 191 |
| Earnings coverage of net charge-offs (x) | 118.5000% | 425 |
| Efficiency ratio | 70.1969% | 3,454 |
| Assets per employee ($millions) | 3.2529% | 5,319 |
| Cash dividends to net income (ytd only)* | 60.2500% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 3,651 |
| Loan loss allowance to noncurrent loans | 129.0280% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 2.2894% | 984 |
| Noncurrent loans to loans | 0.9740% | 2,825 |
| Net loans and leases to total assets | 68.8399% | 2,313 |
| Net loans and leases to deposits | 88.8800% | 1,523 |
| Net loans and leases to core deposits | 92.9162% | 1,860 |
| Total domestic deposits to total assets | 77.4526% | 5,541 |
| Equity capital to assets | 10.1476% | 3,948 |
| Core capital (leverage) ratio | 10.8710% | 2,549 |
| Tier 1 risk-based capital ratio | 16.8980% | 2,521 |
| Total risk-based capital ratio | 18.1489% | 2,472 |
| Memoranda: | ||
| Average total assets | $220,975,000 | 2,800 |
| Average earning assets | $202,598,500 | 2,805 |
| Average equity | $22,286,500 | 2,993 |
| Average total loans | $152,543,000 | 2,591 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 2,195 |
| Cost of funding earning assets | 0.3761% | 3,957 |
| Net interest margin | 4.0308% | 1,803 |
| Noninterest income to average assets | 0.7573% | 2,045 |
| Noninterest expense to average assets | 3.3161% | 1,886 |
| Loan and lease loss provision to assets | -0.3082% | 6,377 |
| Net operating income to assets | 1.0062% | 2,351 |
| Return on assets (ROA) | 1.0082% | 2,425 |
| Pretax return on assets | 1.4354% | 1,765 |
| Return on Equity (ROE) | 10.0721% | 2,086 |
| Retained earnings to average equity (ytd only) | 7.6403% | 1,145 |
| Net charge-offs to loans | 0.1707% | 2,325 |
| Credit loss provision to net charge-offs | -266.5323% | 5,683 |
| Earnings coverage of net charge-offs (x) | 9.7218% | 2,710 |
| Efficiency ratio | 74.6797% | 2,720 |
| Assets per employee ($millions) | 3.3448% | 5,181 |
| Cash dividends to net income (ytd only)* | 24.1443% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 3,960 |
| Loan loss allowance to noncurrent loans | 111.7322% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 2.7814% | 778 |
| Noncurrent loans to loans | 1.0790% | 2,662 |
| Net loans and leases to total assets | 67.5222% | 2,641 |
| Net loans and leases to deposits | 86.5565% | 1,911 |
| Net loans and leases to core deposits | 91.1937% | 2,168 |
| Total domestic deposits to total assets | 78.0095% | 5,437 |
| Equity capital to assets | 10.0234% | 4,081 |
| Core capital (leverage) ratio | 10.6622% | 2,764 |
| Tier 1 risk-based capital ratio | 16.9737% | 2,527 |
| Total risk-based capital ratio | 18.2148% | 2,487 |
| Memoranda: | ||
| Average total assets | $214,440,400 | 2,837 |
| Average earning assets | $195,942,400 | 2,847 |
| Average equity | $21,465,200 | 3,006 |
| Average total loans | $145,271,000 | 2,639 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4167% | 2,172 |
| Cost of funding earning assets | 0.3831% | 3,978 |
| Net interest margin | 4.0336% | 1,779 |
| Noninterest income to average assets | 1.0147% | 1,187 |
| Noninterest expense to average assets | 3.2101% | 2,140 |
| Loan and lease loss provision to assets | -0.1265% | 6,319 |
| Net operating income to assets | 1.1536% | 1,850 |
| Return on assets (ROA) | 1.1563% | 1,902 |
| Pretax return on assets | 1.6210% | 1,260 |
| Return on Equity (ROE) | 11.5554% | 1,604 |
| Retained earnings to average equity (ytd only) | 8.9702% | 1,015 |
| Net charge-offs to loans | 0.3179% | 1,252 |
| Credit loss provision to net charge-offs | -58.8921% | 5,370 |
| Earnings coverage of net charge-offs (x) | 6.9388% | 3,000 |
| Efficiency ratio | 68.2878% | 3,808 |
| Assets per employee ($millions) | 3.1552% | 5,509 |
| Cash dividends to net income (ytd only)* | 22.3726% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 2,819 |
| Loan loss allowance to noncurrent loans | 124.1752% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 3.0920% | 746 |
| Noncurrent loans to loans | 1.1925% | 2,667 |
| Net loans and leases to total assets | 67.6958% | 2,583 |
| Net loans and leases to deposits | 85.5356% | 1,962 |
| Net loans and leases to core deposits | 90.4349% | 2,180 |
| Total domestic deposits to total assets | 79.1434% | 5,292 |
| Equity capital to assets | 10.3574% | 3,729 |
| Core capital (leverage) ratio | 10.7826% | 2,714 |
| Tier 1 risk-based capital ratio | 17.1260% | 2,562 |
| Total risk-based capital ratio | 18.3810% | 2,515 |
| Memoranda: | ||
| Average total assets | $212,862,000 | 2,875 |
| Average earning assets | $194,528,000 | 2,885 |
| Average equity | $21,299,750 | 3,025 |
| Average total loans | $143,869,500 | 2,674 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 2,289 |
| Cost of funding earning assets | 0.3893% | 4,000 |
| Net interest margin | 3.9814% | 1,868 |
| Noninterest income to average assets | 0.7913% | 1,870 |
| Noninterest expense to average assets | 3.1644% | 2,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8516% | 3,064 |
| Return on assets (ROA) | 0.8554% | 3,144 |
| Pretax return on assets | 1.2652% | 2,392 |
| Return on Equity (ROE) | 8.6508% | 2,758 |
| Retained earnings to average equity (ytd only) | 5.7545% | 2,479 |
| Net charge-offs to loans | 0.1444% | 2,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 12.9806% | 2,015 |
| Efficiency ratio | 71.5290% | 3,429 |
| Assets per employee ($millions) | 3.2494% | 5,339 |
| Cash dividends to net income (ytd only)* | 33.4802% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 1,818 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 3.0174% | 839 |
| Noncurrent loans to loans | 1.0879% | 3,054 |
| Net loans and leases to total assets | 66.2834% | 2,712 |
| Net loans and leases to deposits | 84.1981% | 2,017 |
| Net loans and leases to core deposits | 89.3980% | 2,178 |
| Total domestic deposits to total assets | 78.7231% | 5,511 |
| Equity capital to assets | 9.9796% | 4,132 |
| Core capital (leverage) ratio | 10.4149% | 3,067 |
| Tier 1 risk-based capital ratio | 16.4407% | 2,854 |
| Total risk-based capital ratio | 17.5422% | 2,878 |
| Memoranda: | ||
| Average total assets | $212,299,000 | 2,889 |
| Average earning assets | $193,701,670 | 2,909 |
| Average equity | $20,992,330 | 3,056 |
| Average total loans | $142,684,330 | 2,691 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3952% | 2,152 |
| Cost of funding earning assets | 0.3990% | 3,978 |
| Net interest margin | 3.9962% | 1,779 |
| Noninterest income to average assets | 0.7689% | 1,877 |
| Noninterest expense to average assets | 3.2308% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8666% | 2,815 |
| Return on assets (ROA) | 0.8749% | 2,837 |
| Pretax return on assets | 1.1912% | 2,519 |
| Return on Equity (ROE) | 8.8900% | 2,515 |
| Retained earnings to average equity (ytd only) | 5.1377% | 3,029 |
| Net charge-offs to loans | 0.0198% | 3,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 501 |
| Efficiency ratio | 73.2503% | 3,269 |
| Assets per employee ($millions) | 3.2888% | 5,363 |
| Cash dividends to net income (ytd only)* | 42.2078% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 1,701 |
| Loan loss allowance to noncurrent loans | 231.3776% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 2.8404% | 1,033 |
| Noncurrent loans to loans | 0.8284% | 3,811 |
| Net loans and leases to total assets | 65.1328% | 2,715 |
| Net loans and leases to deposits | 80.3308% | 2,250 |
| Net loans and leases to core deposits | 85.2983% | 2,392 |
| Total domestic deposits to total assets | 81.0807% | 5,207 |
| Equity capital to assets | 9.8063% | 4,100 |
| Core capital (leverage) ratio | 10.1917% | 3,303 |
| Tier 1 risk-based capital ratio | 16.3659% | 2,966 |
| Total risk-based capital ratio | 17.6261% | 2,931 |
| Memoranda: | ||
| Average total assets | $211,219,500 | 2,909 |
| Average earning assets | $192,484,500 | 2,939 |
| Average equity | $20,787,500 | 3,083 |
| Average total loans | $141,639,000 | 2,711 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6164% | 1,816 |
| Cost of funding earning assets | 0.5097% | 3,501 |
| Net interest margin | 4.1066% | 1,619 |
| Noninterest income to average assets | 0.5875% | 3,169 |
| Noninterest expense to average assets | 3.6653% | 1,342 |
| Loan and lease loss provision to assets | -0.4363% | 6,728 |
| Net operating income to assets | 0.7751% | 3,418 |
| Return on assets (ROA) | 0.7755% | 3,517 |
| Pretax return on assets | 1.0842% | 3,009 |
| Return on Equity (ROE) | 8.1753% | 2,942 |
| Retained earnings to average equity (ytd only) | 7.6353% | 1,177 |
| Net charge-offs to loans | -0.2198% | 6,627 |
| Credit loss provision to net charge-offs | 298.0198% | 766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9877% | 1,520 |
| Assets per employee ($millions) | 3.1144% | 5,645 |
| Cash dividends to net income (ytd only)* | 6.6044% | 4,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9303% | 1,710 |
| Loan loss allowance to noncurrent loans | 170.1809% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 3.1792% | 968 |
| Noncurrent loans to loans | 1.1343% | 3,275 |
| Net loans and leases to total assets | 66.4184% | 2,627 |
| Net loans and leases to deposits | 81.7799% | 2,206 |
| Net loans and leases to core deposits | 87.1430% | 2,333 |
| Total domestic deposits to total assets | 81.2161% | 5,115 |
| Equity capital to assets | 9.8779% | 3,930 |
| Core capital (leverage) ratio | 10.2262% | 3,256 |
| Tier 1 risk-based capital ratio | 15.8483% | 3,176 |
| Total risk-based capital ratio | 17.1059% | 3,128 |
| Memoranda: | ||
| Average total assets | $206,965,600 | 2,949 |
| Average earning assets | $187,745,400 | 2,987 |
| Average equity | $19,632,400 | 3,197 |
| Average total loans | $137,859,200 | 2,735 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6184% | 1,837 |
| Cost of funding earning assets | 0.5317% | 3,449 |
| Net interest margin | 4.0866% | 1,669 |
| Noninterest income to average assets | 0.7592% | 2,326 |
| Noninterest expense to average assets | 3.5401% | 1,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6417% | 4,172 |
| Return on assets (ROA) | 0.6417% | 4,282 |
| Pretax return on assets | 0.9251% | 3,780 |
| Return on Equity (ROE) | 6.8358% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.1069% | 2,340 |
| Net charge-offs to loans | 0.3747% | 1,701 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.7221% | 3,623 |
| Efficiency ratio | 79.2829% | 2,223 |
| Assets per employee ($millions) | 3.1805% | 5,535 |
| Cash dividends to net income (ytd only)* | 10.6640% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0841% | 1,540 |
| Loan loss allowance to noncurrent loans | 140.2765% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 3.1712% | 1,137 |
| Noncurrent loans to loans | 1.4857% | 2,937 |
| Net loans and leases to total assets | 66.8834% | 2,486 |
| Net loans and leases to deposits | 83.0057% | 1,997 |
| Net loans and leases to core deposits | 89.0255% | 2,075 |
| Total domestic deposits to total assets | 80.5769% | 5,340 |
| Equity capital to assets | 9.4557% | 4,606 |
| Core capital (leverage) ratio | 9.9325% | 3,764 |
| Tier 1 risk-based capital ratio | 15.0457% | 3,727 |
| Total risk-based capital ratio | 16.3074% | 3,668 |
| Memoranda: | ||
| Average total assets | $206,540,000 | 2,972 |
| Average earning assets | $187,305,500 | 3,015 |
| Average equity | $19,387,500 | 3,262 |
| Average total loans | $136,993,500 | 2,760 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5989% | 1,861 |
| Cost of funding earning assets | 0.5485% | 3,431 |
| Net interest margin | 4.0504% | 1,692 |
| Noninterest income to average assets | 0.7226% | 2,536 |
| Noninterest expense to average assets | 3.6072% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5550% | 4,529 |
| Return on assets (ROA) | 0.5550% | 4,702 |
| Pretax return on assets | 0.7846% | 4,370 |
| Return on Equity (ROE) | 5.9274% | 4,216 |
| Retained earnings to average equity (ytd only) | 4.8309% | 3,162 |
| Net charge-offs to loans | 0.3938% | 1,639 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.0337% | 3,522 |
| Efficiency ratio | 82.1350% | 1,870 |
| Assets per employee ($millions) | 3.1404% | 5,601 |
| Cash dividends to net income (ytd only)* | 18.4991% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2404% | 1,350 |
| Loan loss allowance to noncurrent loans | 68.0979% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 4.3856% | 758 |
| Noncurrent loans to loans | 3.2900% | 1,328 |
| Net loans and leases to total assets | 65.4346% | 2,691 |
| Net loans and leases to deposits | 80.8943% | 2,198 |
| Net loans and leases to core deposits | 87.1233% | 2,217 |
| Total domestic deposits to total assets | 80.8890% | 5,372 |
| Equity capital to assets | 9.4066% | 4,712 |
| Core capital (leverage) ratio | 9.5687% | 4,129 |
| Tier 1 risk-based capital ratio | 14.7562% | 3,939 |
| Total risk-based capital ratio | 16.0192% | 3,891 |
| Memoranda: | ||
| Average total assets | $206,475,670 | 2,985 |
| Average earning assets | $187,043,330 | 3,031 |
| Average equity | $19,334,000 | 3,291 |
| Average total loans | $135,587,000 | 2,778 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 2,254 |
| Cost of funding earning assets | 0.5877% | 3,233 |
| Net interest margin | 3.8879% | 2,158 |
| Noninterest income to average assets | 0.6183% | 3,039 |
| Noninterest expense to average assets | 3.4558% | 1,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4874% | 4,742 |
| Return on assets (ROA) | 0.4874% | 4,891 |
| Pretax return on assets | 0.6800% | 4,659 |
| Return on Equity (ROE) | 5.2164% | 4,454 |
| Retained earnings to average equity (ytd only) | 4.8040% | 3,354 |
| Net charge-offs to loans | 0.0681% | 3,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 15.3478% | 1,407 |
| Efficiency ratio | 83.5585% | 1,826 |
| Assets per employee ($millions) | 3.3106% | 5,410 |
| Cash dividends to net income (ytd only)* | 7.9051% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4497% | 1,180 |
| Loan loss allowance to noncurrent loans | 59.5174% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 4.7884% | 775 |
| Noncurrent loans to loans | 4.1159% | 1,076 |
| Net loans and leases to total assets | 63.1026% | 2,875 |
| Net loans and leases to deposits | 77.8956% | 2,351 |
| Net loans and leases to core deposits | 84.0046% | 2,319 |
| Total domestic deposits to total assets | 81.0093% | 5,493 |
| Equity capital to assets | 9.3252% | 5,099 |
| Core capital (leverage) ratio | 9.5827% | 3,952 |
| Tier 1 risk-based capital ratio | 14.8813% | 3,922 |
| Total risk-based capital ratio | 16.1490% | 3,871 |
| Memoranda: | ||
| Average total assets | $207,652,000 | 3,006 |
| Average earning assets | $187,865,000 | 3,046 |
| Average equity | $19,400,500 | 3,327 |
| Average total loans | $135,066,500 | 2,801 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7727% | 2,307 |
| Cost of funding earning assets | 0.6875% | 3,589 |
| Net interest margin | 4.0852% | 2,058 |
| Noninterest income to average assets | 0.8225% | 2,173 |
| Noninterest expense to average assets | 3.1915% | 2,645 |
| Loan and lease loss provision to assets | 0.4547% | 1,383 |
| Net operating income to assets | 0.6851% | 3,808 |
| Return on assets (ROA) | 0.9084% | 3,016 |
| Pretax return on assets | 1.1539% | 2,976 |
| Return on Equity (ROE) | 10.1397% | 2,112 |
| Retained earnings to average equity (ytd only) | 10.1397% | 571 |
| Net charge-offs to loans | 2.0968% | 340 |
| Credit loss provision to net charge-offs | 32.8616% | 5,064 |
| Earnings coverage of net charge-offs (x) | 0.9582% | 4,986 |
| Efficiency ratio | 70.6492% | 3,685 |
| Assets per employee ($millions) | 3.2303% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4612% | 1,170 |
| Loan loss allowance to noncurrent loans | 44.0970% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 5.7841% | 619 |
| Noncurrent loans to loans | 5.5814% | 660 |
| Net loans and leases to total assets | 63.7954% | 2,934 |
| Net loans and leases to deposits | 79.8438% | 2,303 |
| Net loans and leases to core deposits | 86.3765% | 2,264 |
| Total domestic deposits to total assets | 79.9003% | 5,693 |
| Equity capital to assets | 9.3606% | 5,056 |
| Core capital (leverage) ratio | 9.5546% | 4,029 |
| Tier 1 risk-based capital ratio | 14.7393% | 3,872 |
| Total risk-based capital ratio | 16.0074% | 3,812 |
| Memoranda: | ||
| Average total assets | $209,368,400 | 2,930 |
| Average earning assets | $189,368,400 | 2,970 |
| Average equity | $18,758,000 | 3,364 |
| Average total loans | $138,163,800 | 2,738 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8130% | 2,346 |
| Cost of funding earning assets | 0.7133% | 3,651 |
| Net interest margin | 4.0997% | 2,084 |
| Noninterest income to average assets | 0.8589% | 1,983 |
| Noninterest expense to average assets | 3.2027% | 2,556 |
| Loan and lease loss provision to assets | 0.6044% | 912 |
| Net operating income to assets | 0.5572% | 4,589 |
| Return on assets (ROA) | 0.7059% | 4,131 |
| Pretax return on assets | 0.9662% | 3,841 |
| Return on Equity (ROE) | 7.9671% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.9671% | 1,626 |
| Net charge-offs to loans | 2.7347% | 215 |
| Credit loss provision to net charge-offs | 33.4152% | 4,736 |
| Earnings coverage of net charge-offs (x) | 0.7557% | 4,950 |
| Efficiency ratio | 70.0889% | 3,673 |
| Assets per employee ($millions) | 3.2443% | 5,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5142% | 1,194 |
| Loan loss allowance to noncurrent loans | 38.7556% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 6.4955% | 582 |
| Noncurrent loans to loans | 6.4874% | 591 |
| Net loans and leases to total assets | 63.0428% | 3,199 |
| Net loans and leases to deposits | 80.1905% | 2,359 |
| Net loans and leases to core deposits | 87.0437% | 2,341 |
| Total domestic deposits to total assets | 78.6163% | 5,950 |
| Equity capital to assets | 9.1935% | 5,602 |
| Core capital (leverage) ratio | 9.3211% | 4,546 |
| Tier 1 risk-based capital ratio | 14.4960% | 4,184 |
| Total risk-based capital ratio | 15.7584% | 4,145 |
| Memoranda: | ||
| Average total assets | $210,025,750 | 2,960 |
| Average earning assets | $190,092,750 | 2,989 |
| Average equity | $18,609,500 | 3,419 |
| Average total loans | $138,900,250 | 2,761 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8473% | 2,314 |
| Cost of funding earning assets | 0.7464% | 3,630 |
| Net interest margin | 4.1009% | 2,094 |
| Noninterest income to average assets | 0.9079% | 1,756 |
| Noninterest expense to average assets | 3.1467% | 2,760 |
| Loan and lease loss provision to assets | 0.9031% | 515 |
| Net operating income to assets | 0.4326% | 5,107 |
| Return on assets (ROA) | 0.6641% | 4,305 |
| Pretax return on assets | 0.8737% | 4,183 |
| Return on Equity (ROE) | 7.5882% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.5882% | 1,822 |
| Net charge-offs to loans | 1.3742% | 747 |
| Credit loss provision to net charge-offs | 98.6528% | 2,812 |
| Earnings coverage of net charge-offs (x) | 1.6083% | 4,186 |
| Efficiency ratio | 68.1249% | 4,097 |
| Assets per employee ($millions) | 3.1340% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8188% | 390 |
| Loan loss allowance to noncurrent loans | 46.5528% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 7.7894% | 450 |
| Noncurrent loans to loans | 8.2031% | 409 |
| Net loans and leases to total assets | 65.0327% | 2,837 |
| Net loans and leases to deposits | 82.9841% | 1,981 |
| Net loans and leases to core deposits | 90.9209% | 1,880 |
| Total domestic deposits to total assets | 78.3676% | 6,087 |
| Equity capital to assets | 9.1619% | 5,508 |
| Core capital (leverage) ratio | 9.2682% | 4,498 |
| Tier 1 risk-based capital ratio | 13.8869% | 4,536 |
| Total risk-based capital ratio | 15.1694% | 4,484 |
| Memoranda: | ||
| Average total assets | $210,822,670 | 2,958 |
| Average earning assets | $190,786,330 | 2,982 |
| Average equity | $18,449,670 | 3,434 |
| Average total loans | $140,442,000 | 2,762 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7988% | 2,647 |
| Cost of funding earning assets | 0.7991% | 3,480 |
| Net interest margin | 3.9997% | 2,510 |
| Noninterest income to average assets | 1.0169% | 1,382 |
| Noninterest expense to average assets | 3.1347% | 2,805 |
| Loan and lease loss provision to assets | 0.9460% | 451 |
| Net operating income to assets | 0.4194% | 5,170 |
| Return on assets (ROA) | 0.8602% | 3,335 |
| Pretax return on assets | 1.1475% | 3,124 |
| Return on Equity (ROE) | 10.0532% | 2,389 |
| Retained earnings to average equity (ytd only) | 10.0532% | 1,257 |
| Net charge-offs to loans | 4.6265% | 114 |
| Credit loss provision to net charge-offs | 30.9146% | 3,610 |
| Earnings coverage of net charge-offs (x) | 0.4921% | 4,093 |
| Efficiency ratio | 67.5513% | 4,265 |
| Assets per employee ($millions) | 3.2511% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9794% | 852 |
| Loan loss allowance to noncurrent loans | 40.0039% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 7.0091% | 615 |
| Noncurrent loans to loans | 7.4478% | 571 |
| Net loans and leases to total assets | 64.7915% | 2,693 |
| Net loans and leases to deposits | 82.5413% | 1,860 |
| Net loans and leases to core deposits | 90.2490% | 1,828 |
| Total domestic deposits to total assets | 78.4959% | 6,190 |
| Equity capital to assets | 8.8503% | 5,694 |
| Core capital (leverage) ratio | 8.9571% | 4,905 |
| Tier 1 risk-based capital ratio | 13.6317% | 4,727 |
| Total risk-based capital ratio | 14.9033% | 4,700 |
| Memoranda: | ||
| Average total assets | $214,377,500 | 2,952 |
| Average earning assets | $194,215,500 | 2,973 |
| Average equity | $18,342,500 | 3,447 |
| Average total loans | $141,793,000 | 2,759 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 3,620 |
| Cost of funding earning assets | 1.2374% | 1,803 |
| Net interest margin | 3.6035% | 4,718 |
| Noninterest income to average assets | 0.7056% | 2,571 |
| Noninterest expense to average assets | 3.1001% | 3,194 |
| Loan and lease loss provision to assets | 3.7301% | 66 |
| Net operating income to assets | -1.6252% | 6,939 |
| Return on assets (ROA) | -1.6252% | 6,956 |
| Pretax return on assets | -2.8195% | 7,164 |
| Return on Equity (ROE) | -18.5111% | 6,963 |
| Retained earnings to average equity (ytd only) | -18.5111% | 6,948 |
| Net charge-offs to loans | 3.8482% | 172 |
| Credit loss provision to net charge-offs | 145.5399% | 1,972 |
| Earnings coverage of net charge-offs (x) | 0.3553% | 5,554 |
| Efficiency ratio | 77.2956% | 2,697 |
| Assets per employee ($millions) | 3.4482% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6458% | 487 |
| Loan loss allowance to noncurrent loans | 41.4446% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 7.7188% | 548 |
| Noncurrent loans to loans | 8.7967% | 412 |
| Net loans and leases to total assets | 63.1494% | 3,369 |
| Net loans and leases to deposits | 83.1811% | 2,040 |
| Net loans and leases to core deposits | 93.3585% | 1,761 |
| Total domestic deposits to total assets | 75.9179% | 6,497 |
| Equity capital to assets | 8.2788% | 6,367 |
| Core capital (leverage) ratio | 8.1981% | 6,001 |
| Tier 1 risk-based capital ratio | 12.6157% | 5,355 |
| Total risk-based capital ratio | 13.8956% | 5,322 |
| Memoranda: | ||
| Average total assets | $232,704,400 | 2,699 |
| Average earning assets | $213,429,800 | 2,694 |
| Average equity | $20,431,000 | 3,080 |
| Average total loans | $154,981,200 | 2,568 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8306% | 3,880 |
| Cost of funding earning assets | 1.3032% | 1,680 |
| Net interest margin | 3.5274% | 5,066 |
| Noninterest income to average assets | 0.6709% | 2,768 |
| Noninterest expense to average assets | 2.9782% | 3,640 |
| Loan and lease loss provision to assets | 3.8035% | 68 |
| Net operating income to assets | -1.6608% | 7,076 |
| Return on assets (ROA) | -1.6608% | 7,085 |
| Pretax return on assets | -2.8679% | 7,257 |
| Return on Equity (ROE) | -18.6664% | 7,080 |
| Retained earnings to average equity (ytd only) | -18.6664% | 7,063 |
| Net charge-offs to loans | 4.7200% | 110 |
| Credit loss provision to net charge-offs | 120.5450% | 2,694 |
| Earnings coverage of net charge-offs (x) | 0.2965% | 5,381 |
| Efficiency ratio | 76.0948% | 2,825 |
| Assets per employee ($millions) | 3.5141% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4940% | 1,406 |
| Loan loss allowance to noncurrent loans | 24.0501% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 7.9868% | 554 |
| Noncurrent loans to loans | 10.3700% | 332 |
| Net loans and leases to total assets | 62.4206% | 3,626 |
| Net loans and leases to deposits | 79.7842% | 2,683 |
| Net loans and leases to core deposits | 89.9284% | 2,256 |
| Total domestic deposits to total assets | 78.2368% | 6,145 |
| Equity capital to assets | 8.4865% | 6,309 |
| Core capital (leverage) ratio | 8.5446% | 5,648 |
| Tier 1 risk-based capital ratio | 13.5815% | 4,672 |
| Total risk-based capital ratio | 14.8434% | 4,630 |
| Memoranda: | ||
| Average total assets | $235,709,750 | 2,685 |
| Average earning assets | $216,696,000 | 2,661 |
| Average equity | $20,971,250 | 3,012 |
| Average total loans | $157,568,250 | 2,556 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 4,473 |
| Cost of funding earning assets | 1.3479% | 1,662 |
| Net interest margin | 3.3665% | 5,658 |
| Noninterest income to average assets | 0.6296% | 2,952 |
| Noninterest expense to average assets | 2.9920% | 3,671 |
| Loan and lease loss provision to assets | 4.1837% | 68 |
| Net operating income to assets | -2.0281% | 7,194 |
| Return on assets (ROA) | -2.0281% | 7,199 |
| Pretax return on assets | -3.4536% | 7,359 |
| Return on Equity (ROE) | -22.4572% | 7,175 |
| Retained earnings to average equity (ytd only) | -22.4572% | 7,162 |
| Net charge-offs to loans | 0.9290% | 1,675 |
| Credit loss provision to net charge-offs | 664.4772% | 470 |
| Earnings coverage of net charge-offs (x) | 1.1595% | 4,409 |
| Efficiency ratio | 80.3855% | 2,326 |
| Assets per employee ($millions) | 3.4914% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2010% | 357 |
| Loan loss allowance to noncurrent loans | 33.9878% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 9.7242% | 413 |
| Noncurrent loans to loans | 12.3602% | 231 |
| Net loans and leases to total assets | 65.9784% | 3,035 |
| Net loans and leases to deposits | 88.1237% | 1,483 |
| Net loans and leases to core deposits | 101.2962% | 1,228 |
| Total domestic deposits to total assets | 74.8703% | 6,742 |
| Equity capital to assets | 8.5725% | 6,095 |
| Core capital (leverage) ratio | 8.6865% | 5,245 |
| Tier 1 risk-based capital ratio | 13.0463% | 4,879 |
| Total risk-based capital ratio | 14.3318% | 4,835 |
| Memoranda: | ||
| Average total assets | $236,968,670 | 2,684 |
| Average earning assets | $217,677,000 | 2,668 |
| Average equity | $21,400,670 | 2,948 |
| Average total loans | $160,598,670 | 2,531 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7613% | 4,250 |
| Cost of funding earning assets | 1.3554% | 1,851 |
| Net interest margin | 3.4059% | 5,408 |
| Noninterest income to average assets | 0.5199% | 3,730 |
| Noninterest expense to average assets | 2.9972% | 3,651 |
| Loan and lease loss provision to assets | 1.7896% | 327 |
| Net operating income to assets | -0.5870% | 6,859 |
| Return on assets (ROA) | -0.5870% | 6,864 |
| Pretax return on assets | -1.1355% | 7,037 |
| Return on Equity (ROE) | -6.3422% | 6,883 |
| Retained earnings to average equity (ytd only) | -6.3422% | 6,619 |
| Net charge-offs to loans | -0.0025% | 6,184 |
| Credit loss provision to net charge-offs | -106,700.0000% | 6,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0854% | 2,214 |
| Assets per employee ($millions) | 3.5842% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2449% | 1,868 |
| Loan loss allowance to noncurrent loans | 21.8255% | 6,697 |
| Noncurrent assets plus other real estate owned to assets | 8.0903% | 584 |
| Noncurrent loans to loans | 10.2855% | 384 |
| Net loans and leases to total assets | 65.7342% | 3,078 |
| Net loans and leases to deposits | 87.4620% | 1,523 |
| Net loans and leases to core deposits | 99.7454% | 1,361 |
| Total domestic deposits to total assets | 75.1574% | 6,768 |
| Equity capital to assets | 9.1026% | 5,045 |
| Core capital (leverage) ratio | 9.5110% | 3,786 |
| Tier 1 risk-based capital ratio | 14.0579% | 4,033 |
| Total risk-based capital ratio | 15.3204% | 4,005 |
| Memoranda: | ||
| Average total assets | $238,492,000 | 2,690 |
| Average earning assets | $219,266,000 | 2,672 |
| Average equity | $22,074,500 | 2,858 |
| Average total loans | $160,345,000 | 2,557 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2207% | 3,507 |
| Cost of funding earning assets | 1.5781% | 2,202 |
| Net interest margin | 3.6426% | 4,610 |
| Noninterest income to average assets | 0.6337% | 3,257 |
| Noninterest expense to average assets | 3.1281% | 3,355 |
| Loan and lease loss provision to assets | 0.5766% | 2,824 |
| Net operating income to assets | 0.3178% | 4,875 |
| Return on assets (ROA) | 0.3569% | 4,879 |
| Pretax return on assets | 0.3703% | 5,030 |
| Return on Equity (ROE) | 3.7203% | 4,647 |
| Retained earnings to average equity (ytd only) | -0.3454% | 5,679 |
| Net charge-offs to loans | 0.8233% | 2,574 |
| Credit loss provision to net charge-offs | 102.7653% | 4,396 |
| Earnings coverage of net charge-offs (x) | 1.6151% | 4,525 |
| Efficiency ratio | 77.5364% | 2,785 |
| Assets per employee ($millions) | 3.4830% | 4,972 |
| Cash dividends to net income (ytd only)* | 109.2832% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 3,547 |
| Loan loss allowance to noncurrent loans | 41.5367% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 3.8675% | 1,771 |
| Noncurrent loans to loans | 3.8666% | 1,901 |
| Net loans and leases to total assets | 66.1423% | 3,440 |
| Net loans and leases to deposits | 87.1734% | 1,912 |
| Net loans and leases to core deposits | 100.1848% | 1,600 |
| Total domestic deposits to total assets | 75.8744% | 6,646 |
| Equity capital to assets | 9.4113% | 4,530 |
| Core capital (leverage) ratio | 9.5447% | 3,654 |
| Tier 1 risk-based capital ratio | 14.4455% | 3,587 |
| Total risk-based capital ratio | 15.6997% | 3,535 |
| Memoranda: | ||
| Average total assets | $238,448,000 | 2,653 |
| Average earning assets | $222,614,000 | 2,600 |
| Average equity | $22,874,600 | 2,782 |
| Average total loans | $162,516,000 | 2,584 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2687% | 3,492 |
| Cost of funding earning assets | 1.6235% | 2,258 |
| Net interest margin | 3.6452% | 4,655 |
| Noninterest income to average assets | 0.7022% | 2,804 |
| Noninterest expense to average assets | 3.1149% | 3,269 |
| Loan and lease loss provision to assets | 0.1937% | 5,101 |
| Net operating income to assets | 0.6292% | 3,753 |
| Return on assets (ROA) | 0.6375% | 3,886 |
| Pretax return on assets | 0.8172% | 3,838 |
| Return on Equity (ROE) | 6.6142% | 3,524 |
| Retained earnings to average equity (ytd only) | 2.4789% | 4,688 |
| Net charge-offs to loans | 0.2514% | 4,437 |
| Credit loss provision to net charge-offs | 112.6623% | 3,740 |
| Earnings coverage of net charge-offs (x) | 5.8181% | 2,669 |
| Efficiency ratio | 75.6918% | 3,007 |
| Assets per employee ($millions) | 3.5984% | 4,740 |
| Cash dividends to net income (ytd only)* | 62.5221% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 3,599 |
| Loan loss allowance to noncurrent loans | 128.4639% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 2.3518% | 3,021 |
| Noncurrent loans to loans | 1.2329% | 4,788 |
| Net loans and leases to total assets | 65.9523% | 3,700 |
| Net loans and leases to deposits | 85.7315% | 2,405 |
| Net loans and leases to core deposits | 99.3440% | 1,909 |
| Total domestic deposits to total assets | 76.9289% | 6,495 |
| Equity capital to assets | 9.7464% | 4,476 |
| Core capital (leverage) ratio | 9.7541% | 3,546 |
| Tier 1 risk-based capital ratio | 14.4490% | 3,536 |
| Total risk-based capital ratio | 15.7060% | 3,502 |
| Memoranda: | ||
| Average total assets | $238,849,000 | 2,684 |
| Average earning assets | $223,629,250 | 2,626 |
| Average equity | $23,020,750 | 2,803 |
| Average total loans | $163,342,250 | 2,611 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3101% | 3,422 |
| Cost of funding earning assets | 1.6390% | 2,439 |
| Net interest margin | 3.6711% | 4,495 |
| Noninterest income to average assets | 0.7291% | 2,524 |
| Noninterest expense to average assets | 3.1424% | 3,131 |
| Loan and lease loss provision to assets | 0.1579% | 5,314 |
| Net operating income to assets | 0.6851% | 3,466 |
| Return on assets (ROA) | 0.6930% | 3,587 |
| Pretax return on assets | 0.8912% | 3,531 |
| Return on Equity (ROE) | 7.2173% | 3,210 |
| Retained earnings to average equity (ytd only) | 2.4495% | 4,595 |
| Net charge-offs to loans | 0.1476% | 4,755 |
| Credit loss provision to net charge-offs | 155.3719% | 2,535 |
| Earnings coverage of net charge-offs (x) | 10.2231% | 1,919 |
| Efficiency ratio | 75.1507% | 3,234 |
| Assets per employee ($millions) | 3.4873% | 4,955 |
| Cash dividends to net income (ytd only)* | 66.0606% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 3,582 |
| Loan loss allowance to noncurrent loans | 65.8437% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.7665% | 3,804 |
| Noncurrent loans to loans | 2.3857% | 3,271 |
| Net loans and leases to total assets | 68.3585% | 3,275 |
| Net loans and leases to deposits | 88.6608% | 2,061 |
| Net loans and leases to core deposits | 103.0665% | 1,727 |
| Total domestic deposits to total assets | 77.1012% | 6,480 |
| Equity capital to assets | 9.7771% | 4,305 |
| Core capital (leverage) ratio | 9.7484% | 3,476 |
| Tier 1 risk-based capital ratio | 14.2359% | 3,583 |
| Total risk-based capital ratio | 15.4932% | 3,547 |
| Memoranda: | ||
| Average total assets | $238,100,670 | 2,724 |
| Average earning assets | $223,912,000 | 2,642 |
| Average equity | $22,861,670 | 2,815 |
| Average total loans | $163,934,330 | 2,637 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2826% | 3,630 |
| Cost of funding earning assets | 1.6384% | 2,719 |
| Net interest margin | 3.6442% | 4,520 |
| Noninterest income to average assets | 0.7142% | 2,502 |
| Noninterest expense to average assets | 3.1586% | 3,017 |
| Loan and lease loss provision to assets | 0.0335% | 6,341 |
| Net operating income to assets | 0.7352% | 3,284 |
| Return on assets (ROA) | 0.7494% | 3,321 |
| Pretax return on assets | 0.9674% | 3,207 |
| Return on Equity (ROE) | 7.8767% | 2,946 |
| Retained earnings to average equity (ytd only) | 2.6256% | 4,570 |
| Net charge-offs to loans | 0.2397% | 3,499 |
| Credit loss provision to net charge-offs | 20.4082% | 4,943 |
| Earnings coverage of net charge-offs (x) | 5.9796% | 2,306 |
| Efficiency ratio | 76.2753% | 3,171 |
| Assets per employee ($millions) | 3.4186% | 5,232 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 3,981 |
| Loan loss allowance to noncurrent loans | 60.8522% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.7631% | 3,839 |
| Noncurrent loans to loans | 2.4417% | 3,236 |
| Net loans and leases to total assets | 67.6587% | 3,473 |
| Net loans and leases to deposits | 87.7679% | 2,263 |
| Net loans and leases to core deposits | 101.4493% | 1,976 |
| Total domestic deposits to total assets | 77.0883% | 6,538 |
| Equity capital to assets | 9.5436% | 4,460 |
| Core capital (leverage) ratio | 9.7437% | 3,461 |
| Tier 1 risk-based capital ratio | 14.0988% | 3,594 |
| Total risk-based capital ratio | 15.3517% | 3,558 |
| Memoranda: | ||
| Average total assets | $238,583,500 | 2,782 |
| Average earning assets | $224,359,500 | 2,687 |
| Average equity | $22,700,000 | 2,851 |
| Average total loans | $163,557,000 | 2,709 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 4,540 |
| Cost of funding earning assets | 1.8458% | 3,761 |
| Net interest margin | 3.5829% | 4,608 |
| Noninterest income to average assets | 0.8996% | 1,941 |
| Noninterest expense to average assets | 2.9656% | 4,278 |
| Loan and lease loss provision to assets | 0.2857% | 5,143 |
| Net operating income to assets | 0.7530% | 2,707 |
| Return on assets (ROA) | 0.8106% | 2,577 |
| Pretax return on assets | 1.0940% | 2,275 |
| Return on Equity (ROE) | 9.3690% | 1,897 |
| Retained earnings to average equity (ytd only) | 5.8281% | 1,417 |
| Net charge-offs to loans | 0.2559% | 5,020 |
| Credit loss provision to net charge-offs | 166.8213% | 2,593 |
| Earnings coverage of net charge-offs (x) | 7.6009% | 2,119 |
| Efficiency ratio | 69.4664% | 4,736 |
| Assets per employee ($millions) | 3.5502% | 4,889 |
| Cash dividends to net income (ytd only)* | 37.7941% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 3,485 |
| Loan loss allowance to noncurrent loans | 64.2693% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.7140% | 3,798 |
| Noncurrent loans to loans | 2.4090% | 3,146 |
| Net loans and leases to total assets | 67.3673% | 3,843 |
| Net loans and leases to deposits | 87.2000% | 2,700 |
| Net loans and leases to core deposits | 119.9521% | 1,951 |
| Total domestic deposits to total assets | 77.2561% | 6,395 |
| Equity capital to assets | 9.4852% | 4,431 |
| Core capital (leverage) ratio | 9.6794% | 3,486 |
| Tier 1 risk-based capital ratio | 14.1881% | 3,388 |
| Total risk-based capital ratio | 15.4385% | 3,344 |
| Memoranda: | ||
| Average total assets | $251,654,800 | 2,590 |
| Average earning assets | $236,541,200 | 2,538 |
| Average equity | $21,774,000 | 2,976 |
| Average total loans | $168,427,000 | 2,644 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4224% | 4,839 |
| Cost of funding earning assets | 1.8751% | 4,016 |
| Net interest margin | 3.5473% | 4,681 |
| Noninterest income to average assets | 0.9585% | 1,743 |
| Noninterest expense to average assets | 2.9561% | 4,222 |
| Loan and lease loss provision to assets | 0.2462% | 4,987 |
| Net operating income to assets | 0.8263% | 2,704 |
| Return on assets (ROA) | 0.8080% | 2,846 |
| Pretax return on assets | 1.0683% | 2,678 |
| Return on Equity (ROE) | 9.5531% | 2,080 |
| Retained earnings to average equity (ytd only) | 6.8096% | 1,585 |
| Net charge-offs to loans | 0.2748% | 4,329 |
| Credit loss provision to net charge-offs | 134.5714% | 3,696 |
| Earnings coverage of net charge-offs (x) | 7.3171% | 2,427 |
| Efficiency ratio | 68.7964% | 4,826 |
| Assets per employee ($millions) | 3.4736% | 4,992 |
| Cash dividends to net income (ytd only)* | 28.7195% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 3,764 |
| Loan loss allowance to noncurrent loans | 56.9734% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 1.7836% | 3,681 |
| Noncurrent loans to loans | 2.5185% | 2,990 |
| Net loans and leases to total assets | 67.4371% | 4,079 |
| Net loans and leases to deposits | 89.7781% | 2,619 |
| Net loans and leases to core deposits | 117.3832% | 2,477 |
| Total domestic deposits to total assets | 75.1154% | 6,751 |
| Equity capital to assets | 9.3492% | 4,957 |
| Core capital (leverage) ratio | 9.5910% | 3,798 |
| Tier 1 risk-based capital ratio | 13.9175% | 3,597 |
| Total risk-based capital ratio | 15.1695% | 3,540 |
| Memoranda: | ||
| Average total assets | $255,102,000 | 2,569 |
| Average earning assets | $239,914,000 | 2,518 |
| Average equity | $21,577,000 | 3,023 |
| Average total loans | $169,842,750 | 2,648 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4645% | 4,819 |
| Cost of funding earning assets | 1.9011% | 4,263 |
| Net interest margin | 3.5634% | 4,525 |
| Noninterest income to average assets | 1.1105% | 1,287 |
| Noninterest expense to average assets | 3.0748% | 3,795 |
| Loan and lease loss provision to assets | 0.2259% | 4,766 |
| Net operating income to assets | 0.8569% | 2,626 |
| Return on assets (ROA) | 0.8131% | 2,902 |
| Pretax return on assets | 1.0982% | 2,642 |
| Return on Equity (ROE) | 9.9343% | 2,042 |
| Retained earnings to average equity (ytd only) | 7.8404% | 1,264 |
| Net charge-offs to loans | 0.2352% | 4,028 |
| Credit loss provision to net charge-offs | 145.5446% | 3,178 |
| Earnings coverage of net charge-offs (x) | 8.9109% | 2,200 |
| Efficiency ratio | 68.9019% | 4,994 |
| Assets per employee ($millions) | 3.2381% | 5,486 |
| Cash dividends to net income (ytd only)* | 21.0775% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 3,514 |
| Loan loss allowance to noncurrent loans | 53.3885% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 1.8999% | 3,339 |
| Noncurrent loans to loans | 2.6998% | 2,667 |
| Net loans and leases to total assets | 67.2269% | 4,309 |
| Net loans and leases to deposits | 90.1179% | 2,817 |
| Net loans and leases to core deposits | 117.0837% | 2,620 |
| Total domestic deposits to total assets | 74.5989% | 6,849 |
| Equity capital to assets | 9.1128% | 5,150 |
| Core capital (leverage) ratio | 9.2089% | 4,298 |
| Tier 1 risk-based capital ratio | 13.8872% | 3,584 |
| Total risk-based capital ratio | 15.1395% | 3,519 |
| Memoranda: | ||
| Average total assets | $260,243,330 | 2,544 |
| Average earning assets | $244,487,330 | 2,485 |
| Average equity | $21,300,000 | 3,062 |
| Average total loans | $171,795,330 | 2,664 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4901% | 4,966 |
| Cost of funding earning assets | 1.9276% | 4,498 |
| Net interest margin | 3.5625% | 4,478 |
| Noninterest income to average assets | 0.6672% | 3,095 |
| Noninterest expense to average assets | 2.8908% | 4,185 |
| Loan and lease loss provision to assets | 0.1602% | 4,886 |
| Net operating income to assets | 0.7613% | 3,293 |
| Return on assets (ROA) | 0.7613% | 3,468 |
| Pretax return on assets | 0.9597% | 3,503 |
| Return on Equity (ROE) | 9.7830% | 2,412 |
| Retained earnings to average equity (ytd only) | 9.7830% | 1,258 |
| Net charge-offs to loans | 0.2620% | 3,085 |
| Credit loss provision to net charge-offs | 93.9655% | 3,922 |
| Earnings coverage of net charge-offs (x) | 6.5690% | 2,482 |
| Efficiency ratio | 71.9678% | 4,200 |
| Assets per employee ($millions) | 3.1544% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 4,325 |
| Loan loss allowance to noncurrent loans | 39.0556% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 2.2058% | 2,591 |
| Noncurrent loans to loans | 3.2333% | 1,994 |
| Net loans and leases to total assets | 66.4486% | 4,478 |
| Net loans and leases to deposits | 85.6937% | 3,685 |
| Net loans and leases to core deposits | 108.3533% | 3,630 |
| Total domestic deposits to total assets | 77.5420% | 6,137 |
| Equity capital to assets | 8.2196% | 6,509 |
| Core capital (leverage) ratio | 8.1263% | 6,238 |
| Tier 1 risk-based capital ratio | 12.5736% | 4,495 |
| Total risk-based capital ratio | 13.8235% | 4,419 |
| Memoranda: | ||
| Average total assets | $272,173,500 | 2,445 |
| Average earning assets | $255,442,000 | 2,402 |
| Average equity | $21,179,500 | 3,094 |
| Average total loans | $177,074,500 | 2,629 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1115% | 4,982 |
| Cost of funding earning assets | 2.5727% | 3,833 |
| Net interest margin | 3.5388% | 5,152 |
| Noninterest income to average assets | 0.7383% | 2,855 |
| Noninterest expense to average assets | 2.9087% | 4,419 |
| Loan and lease loss provision to assets | 0.7368% | 2,014 |
| Net operating income to assets | 0.3635% | 5,297 |
| Return on assets (ROA) | 0.3468% | 5,183 |
| Pretax return on assets | 0.3795% | 5,315 |
| Return on Equity (ROE) | 4.3499% | 4,660 |
| Retained earnings to average equity (ytd only) | 0.8728% | 4,705 |
| Net charge-offs to loans | 0.8497% | 1,480 |
| Credit loss provision to net charge-offs | 131.4765% | 4,053 |
| Earnings coverage of net charge-offs (x) | 2.0248% | 5,060 |
| Efficiency ratio | 71.8166% | 3,970 |
| Assets per employee ($millions) | 3.4455% | 4,809 |
| Cash dividends to net income (ytd only)* | 79.9349% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 4,097 |
| Loan loss allowance to noncurrent loans | 38.5892% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 2.1159% | 2,322 |
| Noncurrent loans to loans | 3.2503% | 1,609 |
| Net loans and leases to total assets | 62.1946% | 5,594 |
| Net loans and leases to deposits | 80.8169% | 4,905 |
| Net loans and leases to core deposits | 105.7484% | 4,220 |
| Total domestic deposits to total assets | 76.9575% | 6,003 |
| Equity capital to assets | 7.3757% | 7,488 |
| Core capital (leverage) ratio | 7.7012% | 6,927 |
| Tier 1 risk-based capital ratio | 11.7745% | 5,002 |
| Total risk-based capital ratio | 12.9862% | 4,938 |
| Memoranda: | ||
| Average total assets | $265,889,400 | 2,416 |
| Average earning assets | $248,334,800 | 2,382 |
| Average equity | $21,195,800 | 3,076 |
| Average total loans | $175,360,400 | 2,556 |