Home > Citizens Bank & Trust > Performance and Condition Ratios
Citizens Bank & Trust, 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 | 4.1820% | 3,653 |
| Cost of funding earning assets | 1.8903% | 1,086 |
| Net interest margin | 2.2917% | 4,268 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 2.2697% | 2,924 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5993% | 3,445 |
| Return on assets (ROA) | 0.5993% | 3,432 |
| Pretax return on assets | 0.6565% | 3,523 |
| Return on Equity (ROE) | 12.6600% | 1,805 |
| Retained earnings to average equity (ytd only) | 7.9551% | 1,551 |
| Net charge-offs to loans | 0.0234% | 1,846 |
| Credit loss provision to net charge-offs | -411.6279% | 4,530 |
| Earnings coverage of net charge-offs (x) | 52.5039% | 1,266 |
| Efficiency ratio | 77.5654% | 1,108 |
| Assets per employee ($millions) | 7.0768% | 2,024 |
| Cash dividends to net income (ytd only)* | 37.1664% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,081 |
| Loan loss allowance to noncurrent loans | 484.0560% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 2,585 |
| Noncurrent loans to loans | 0.2556% | 2,268 |
| Net loans and leases to total assets | 54.2000% | 3,337 |
| Net loans and leases to deposits | 67.5738% | 3,066 |
| Net loans and leases to core deposits | 79.3564% | 2,746 |
| Total domestic deposits to total assets | 80.2100% | 3,432 |
| Equity capital to assets | 5.0074% | 4,412 |
| Core capital (leverage) ratio | 9.4043% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7350% | 1,615 |
| Memoranda: | ||
| Average total assets | $1,031,718,600 | 961 |
| Average earning assets | $942,804,600 | 963 |
| Average equity | $48,836,600 | 1,637 |
| Average total loans | $551,093,800 | 1,151 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 3,629 |
| Cost of funding earning assets | 1.7218% | 1,146 |
| Net interest margin | 2.3937% | 4,235 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 2.3085% | 2,764 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6991% | 3,328 |
| Return on assets (ROA) | 0.6991% | 3,307 |
| Pretax return on assets | 0.7806% | 3,380 |
| Return on Equity (ROE) | 14.9900% | 1,441 |
| Retained earnings to average equity (ytd only) | 12.5614% | 879 |
| Net charge-offs to loans | 0.0007% | 2,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,995.3333% | 70 |
| Efficiency ratio | 74.7320% | 1,297 |
| Assets per employee ($millions) | 7.1107% | 1,871 |
| Cash dividends to net income (ytd only)* | 16.2283% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 1,403 |
| Loan loss allowance to noncurrent loans | 487.6155% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 2,537 |
| Noncurrent loans to loans | 0.2898% | 2,194 |
| Net loans and leases to total assets | 53.1700% | 3,412 |
| Net loans and leases to deposits | 63.2146% | 3,311 |
| Net loans and leases to core deposits | 75.4483% | 2,906 |
| Total domestic deposits to total assets | 84.1200% | 2,742 |
| Equity capital to assets | 4.2579% | 4,376 |
| Core capital (leverage) ratio | 9.3922% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1375% | 1,525 |
| Memoranda: | ||
| Average total assets | $1,022,500,000 | 968 |
| Average earning assets | $933,651,500 | 969 |
| Average equity | $47,668,500 | 1,655 |
| Average total loans | $542,259,250 | 1,162 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9870% | 3,714 |
| Cost of funding earning assets | 1.5199% | 1,207 |
| Net interest margin | 2.4671% | 4,241 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.2098% | 3,043 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5180% | 3,772 |
| Return on assets (ROA) | 0.5180% | 3,778 |
| Pretax return on assets | 0.5393% | 3,897 |
| Return on Equity (ROE) | 10.7900% | 2,480 |
| Retained earnings to average equity (ytd only) | 7.8856% | 2,000 |
| Net charge-offs to loans | 0.0045% | 2,125 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 228.5833% | 542 |
| Efficiency ratio | 80.3833% | 817 |
| Assets per employee ($millions) | 7.1913% | 1,792 |
| Cash dividends to net income (ytd only)* | 26.9450% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 1,422 |
| Loan loss allowance to noncurrent loans | 506.4061% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 2,501 |
| Noncurrent loans to loans | 0.2819% | 2,135 |
| Net loans and leases to total assets | 52.3400% | 3,382 |
| Net loans and leases to deposits | 61.6354% | 3,331 |
| Net loans and leases to core deposits | 73.8872% | 2,892 |
| Total domestic deposits to total assets | 84.9200% | 2,565 |
| Equity capital to assets | 4.6679% | 4,424 |
| Core capital (leverage) ratio | 9.1725% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8010% | 1,623 |
| Memoranda: | ||
| Average total assets | $1,017,278,000 | 957 |
| Average earning assets | $929,272,333 | 961 |
| Average equity | $48,823,333 | 1,625 |
| Average total loans | $536,363,667 | 1,161 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8265% | 3,805 |
| Cost of funding earning assets | 1.2247% | 1,392 |
| Net interest margin | 2.6018% | 4,203 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.2159% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5802% | 3,728 |
| Return on assets (ROA) | 0.5802% | 3,697 |
| Pretax return on assets | 0.6220% | 3,808 |
| Return on Equity (ROE) | 11.9200% | 2,238 |
| Retained earnings to average equity (ytd only) | 11.9187% | 1,287 |
| Net charge-offs to loans | 0.0076% | 1,667 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 156.2000% | 599 |
| Efficiency ratio | 78.0833% | 996 |
| Assets per employee ($millions) | 7.1291% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 1,365 |
| Loan loss allowance to noncurrent loans | 439.4664% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 2,270 |
| Noncurrent loans to loans | 0.3348% | 1,954 |
| Net loans and leases to total assets | 51.9300% | 3,348 |
| Net loans and leases to deposits | 58.9102% | 3,401 |
| Net loans and leases to core deposits | 68.8729% | 3,030 |
| Total domestic deposits to total assets | 88.1400% | 1,882 |
| Equity capital to assets | 4.8732% | 4,438 |
| Core capital (leverage) ratio | 9.4002% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7046% | 1,719 |
| Memoranda: | ||
| Average total assets | $1,004,545,500 | 986 |
| Average earning assets | $918,434,000 | 988 |
| Average equity | $48,898,000 | 1,640 |
| Average total loans | $527,692,000 | 1,183 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3285% | 3,518 |
| Cost of funding earning assets | 0.4936% | 1,432 |
| Net interest margin | 2.8348% | 3,820 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.1125% | 3,256 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8398% | 3,190 |
| Return on assets (ROA) | 0.8310% | 3,143 |
| Pretax return on assets | 0.9546% | 3,208 |
| Return on Equity (ROE) | 14.1500% | 1,502 |
| Retained earnings to average equity (ytd only) | 9.8964% | 1,193 |
| Net charge-offs to loans | -0.0529% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.6497% | 1,882 |
| Assets per employee ($millions) | 6.8250% | 2,096 |
| Cash dividends to net income (ytd only)* | 30.0729% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 1,123 |
| Loan loss allowance to noncurrent loans | 2,406.3830% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 3,476 |
| Noncurrent loans to loans | 0.0635% | 3,290 |
| Net loans and leases to total assets | 51.5500% | 3,390 |
| Net loans and leases to deposits | 56.5542% | 3,541 |
| Net loans and leases to core deposits | 64.5942% | 3,230 |
| Total domestic deposits to total assets | 91.1600% | 893 |
| Equity capital to assets | 4.8619% | 4,395 |
| Core capital (leverage) ratio | 9.4312% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1018% | 1,602 |
| Memoranda: | ||
| Average total assets | $990,361,600 | 990 |
| Average earning assets | $913,632,600 | 983 |
| Average equity | $58,152,600 | 1,440 |
| Average total loans | $474,442,800 | 1,221 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1870% | 3,464 |
| Cost of funding earning assets | 0.3492% | 1,713 |
| Net interest margin | 2.8378% | 3,657 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.0832% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8741% | 2,987 |
| Return on assets (ROA) | 0.8741% | 2,956 |
| Pretax return on assets | 0.9965% | 3,022 |
| Return on Equity (ROE) | 14.2700% | 1,357 |
| Retained earnings to average equity (ytd only) | 13.2842% | 570 |
| Net charge-offs to loans | -0.0754% | 4,417 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.6442% | 2,072 |
| Assets per employee ($millions) | 7.4996% | 1,614 |
| Cash dividends to net income (ytd only)* | 6.9295% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 1,122 |
| Loan loss allowance to noncurrent loans | 1,554.5098% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 3,408 |
| Noncurrent loans to loans | 0.1010% | 3,153 |
| Net loans and leases to total assets | 47.6800% | 3,652 |
| Net loans and leases to deposits | 53.5781% | 3,629 |
| Net loans and leases to core deposits | 61.4462% | 3,272 |
| Total domestic deposits to total assets | 88.9900% | 2,093 |
| Equity capital to assets | 4.2990% | 4,440 |
| Core capital (leverage) ratio | 9.5805% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4907% | 1,574 |
| Memoranda: | ||
| Average total assets | $990,545,500 | 996 |
| Average earning assets | $915,621,250 | 987 |
| Average equity | $60,662,000 | 1,412 |
| Average total loans | $463,526,750 | 1,242 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1341% | 3,226 |
| Cost of funding earning assets | 0.2851% | 1,849 |
| Net interest margin | 2.8490% | 3,289 |
| Noninterest income to average assets | 0.4615% | 2,390 |
| Noninterest expense to average assets | 2.0903% | 3,180 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8877% | 2,633 |
| Return on assets (ROA) | 0.8877% | 2,606 |
| Pretax return on assets | 1.0104% | 2,692 |
| Return on Equity (ROE) | 13.1020% | 1,357 |
| Retained earnings to average equity (ytd only) | 11.8888% | 623 |
| Net charge-offs to loans | -0.0738% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4133% | 2,319 |
| Assets per employee ($millions) | 7.1480% | 1,846 |
| Cash dividends to net income (ytd only)* | 9.2593% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6704% | 1,011 |
| Loan loss allowance to noncurrent loans | 1,006.6838% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,177 |
| Noncurrent loans to loans | 0.1659% | 2,863 |
| Net loans and leases to total assets | 47.7778% | 3,569 |
| Net loans and leases to deposits | 54.7616% | 3,490 |
| Net loans and leases to core deposits | 57.0840% | 3,486 |
| Total domestic deposits to total assets | 87.2470% | 2,854 |
| Equity capital to assets | 4.7732% | 4,522 |
| Core capital (leverage) ratio | 9.2878% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0295% | 1,430 |
| Memoranda: | ||
| Average total assets | $973,247,000 | 1,001 |
| Average earning assets | $901,566,000 | 1,008 |
| Average equity | $65,944,333 | 1,347 |
| Average total loans | $449,717,667 | 1,265 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9850% | 3,300 |
| Cost of funding earning assets | 0.2455% | 2,209 |
| Net interest margin | 2.7395% | 3,313 |
| Noninterest income to average assets | 0.3610% | 2,928 |
| Noninterest expense to average assets | 2.0974% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7510% | 2,852 |
| Return on assets (ROA) | 0.7510% | 2,845 |
| Pretax return on assets | 0.8210% | 3,041 |
| Return on Equity (ROE) | 9.6723% | 2,092 |
| Retained earnings to average equity (ytd only) | 9.6723% | 1,104 |
| Net charge-offs to loans | -0.1690% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8693% | 1,990 |
| Assets per employee ($millions) | 7.6147% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 957 |
| Loan loss allowance to noncurrent loans | 568.5735% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 2,814 |
| Noncurrent loans to loans | 0.3087% | 2,351 |
| Net loans and leases to total assets | 44.3955% | 3,712 |
| Net loans and leases to deposits | 52.2635% | 3,552 |
| Net loans and leases to core deposits | 54.5104% | 3,559 |
| Total domestic deposits to total assets | 84.9455% | 3,544 |
| Equity capital to assets | 6.6785% | 4,353 |
| Core capital (leverage) ratio | 9.0951% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9187% | 1,285 |
| Memoranda: | ||
| Average total assets | $977,381,000 | 999 |
| Average earning assets | $912,432,000 | 1,000 |
| Average equity | $75,886,500 | 1,244 |
| Average total loans | $440,137,500 | 1,269 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3146% | 3,160 |
| Cost of funding earning assets | 0.2864% | 2,538 |
| Net interest margin | 3.0283% | 3,117 |
| Noninterest income to average assets | 0.6552% | 1,926 |
| Noninterest expense to average assets | 2.2681% | 2,887 |
| Loan and lease loss provision to assets | 0.2184% | 469 |
| Net operating income to assets | 0.8906% | 3,079 |
| Return on assets (ROA) | 0.8907% | 3,133 |
| Pretax return on assets | 0.9898% | 3,287 |
| Return on Equity (ROE) | 9.9717% | 2,532 |
| Retained earnings to average equity (ytd only) | 9.4895% | 1,051 |
| Net charge-offs to loans | 0.0568% | 1,223 |
| Credit loss provision to net charge-offs | 791.3793% | 609 |
| Earnings coverage of net charge-offs (x) | 43.7672% | 1,382 |
| Efficiency ratio | 65.2463% | 2,366 |
| Assets per employee ($millions) | 7.3653% | 1,687 |
| Cash dividends to net income (ytd only)* | 4.8357% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7706% | 919 |
| Loan loss allowance to noncurrent loans | 597.9719% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 3,009 |
| Noncurrent loans to loans | 0.2961% | 2,530 |
| Net loans and leases to total assets | 44.0774% | 3,833 |
| Net loans and leases to deposits | 52.4592% | 3,706 |
| Net loans and leases to core deposits | 54.7316% | 3,708 |
| Total domestic deposits to total assets | 84.0223% | 3,557 |
| Equity capital to assets | 8.8782% | 3,741 |
| Core capital (leverage) ratio | 9.3859% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6815% | 1,122 |
| Memoranda: | ||
| Average total assets | $840,467,600 | 1,105 |
| Average earning assets | $782,950,000 | 1,108 |
| Average equity | $75,072,200 | 1,272 |
| Average total loans | $408,549,000 | 1,353 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3896% | 3,131 |
| Cost of funding earning assets | 0.2998% | 2,596 |
| Net interest margin | 3.0898% | 3,081 |
| Noninterest income to average assets | 0.7541% | 1,660 |
| Noninterest expense to average assets | 2.2984% | 2,759 |
| Loan and lease loss provision to assets | 0.3025% | 265 |
| Net operating income to assets | 0.9271% | 3,158 |
| Return on assets (ROA) | 0.9273% | 3,233 |
| Pretax return on assets | 1.0274% | 3,380 |
| Return on Equity (ROE) | 10.3627% | 2,606 |
| Retained earnings to average equity (ytd only) | 9.6963% | 1,412 |
| Net charge-offs to loans | 0.0838% | 843 |
| Credit loss provision to net charge-offs | 725.6917% | 629 |
| Earnings coverage of net charge-offs (x) | 31.9051% | 1,490 |
| Efficiency ratio | 63.3491% | 2,482 |
| Assets per employee ($millions) | 7.0617% | 1,824 |
| Cash dividends to net income (ytd only)* | 6.4310% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8958% | 780 |
| Loan loss allowance to noncurrent loans | 711.8250% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 3,322 |
| Noncurrent loans to loans | 0.2663% | 2,856 |
| Net loans and leases to total assets | 44.1133% | 3,947 |
| Net loans and leases to deposits | 51.6454% | 3,909 |
| Net loans and leases to core deposits | 54.0063% | 3,923 |
| Total domestic deposits to total assets | 85.4156% | 2,977 |
| Equity capital to assets | 8.9641% | 3,864 |
| Core capital (leverage) ratio | 9.2638% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2371% | 1,299 |
| Memoranda: | ||
| Average total assets | $809,370,250 | 1,151 |
| Average earning assets | $752,831,750 | 1,156 |
| Average equity | $72,424,750 | 1,328 |
| Average total loans | $402,448,750 | 1,396 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3714% | 3,258 |
| Cost of funding earning assets | 0.3190% | 2,595 |
| Net interest margin | 3.0524% | 3,175 |
| Noninterest income to average assets | 0.4591% | 2,802 |
| Noninterest expense to average assets | 2.3563% | 2,601 |
| Loan and lease loss provision to assets | 0.0861% | 1,425 |
| Net operating income to assets | 0.7982% | 3,521 |
| Return on assets (ROA) | 0.7982% | 3,591 |
| Pretax return on assets | 0.8500% | 3,767 |
| Return on Equity (ROE) | 8.9266% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.8889% | 2,115 |
| Net charge-offs to loans | 0.1318% | 605 |
| Credit loss provision to net charge-offs | 126.7925% | 1,231 |
| Earnings coverage of net charge-offs (x) | 13.7811% | 1,684 |
| Efficiency ratio | 71.5665% | 1,473 |
| Assets per employee ($millions) | 6.4875% | 2,174 |
| Cash dividends to net income (ytd only)* | 11.6249% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 1,411 |
| Loan loss allowance to noncurrent loans | 526.8900% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 3,316 |
| Noncurrent loans to loans | 0.2948% | 2,872 |
| Net loans and leases to total assets | 46.8106% | 3,844 |
| Net loans and leases to deposits | 55.0637% | 3,789 |
| Net loans and leases to core deposits | 57.9239% | 3,760 |
| Total domestic deposits to total assets | 85.0118% | 3,087 |
| Equity capital to assets | 9.2878% | 3,519 |
| Core capital (leverage) ratio | 9.2625% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8365% | 1,163 |
| Memoranda: | ||
| Average total assets | $780,214,667 | 1,187 |
| Average earning assets | $724,212,000 | 1,195 |
| Average equity | $69,768,667 | 1,361 |
| Average total loans | $402,175,333 | 1,402 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4376% | 3,093 |
| Cost of funding earning assets | 0.3205% | 2,793 |
| Net interest margin | 3.1171% | 2,935 |
| Noninterest income to average assets | 0.4566% | 2,800 |
| Noninterest expense to average assets | 2.3424% | 2,670 |
| Loan and lease loss provision to assets | 0.1515% | 856 |
| Net operating income to assets | 0.8036% | 3,413 |
| Return on assets (ROA) | 0.8036% | 3,483 |
| Pretax return on assets | 0.8534% | 3,713 |
| Return on Equity (ROE) | 9.1814% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.5957% | 2,386 |
| Net charge-offs to loans | 0.2622% | 325 |
| Credit loss provision to net charge-offs | 107.5188% | 1,078 |
| Earnings coverage of net charge-offs (x) | 7.1316% | 1,628 |
| Efficiency ratio | 69.9794% | 1,701 |
| Assets per employee ($millions) | 6.5864% | 2,107 |
| Cash dividends to net income (ytd only)* | 17.2709% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,544 |
| Loan loss allowance to noncurrent loans | 520.7192% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 3,433 |
| Noncurrent loans to loans | 0.2914% | 3,062 |
| Net loans and leases to total assets | 49.9439% | 3,629 |
| Net loans and leases to deposits | 58.1913% | 3,633 |
| Net loans and leases to core deposits | 61.4504% | 3,613 |
| Total domestic deposits to total assets | 85.8271% | 2,798 |
| Equity capital to assets | 8.3168% | 4,259 |
| Core capital (leverage) ratio | 8.5051% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9507% | 1,582 |
| Memoranda: | ||
| Average total assets | $755,121,500 | 1,206 |
| Average earning assets | $700,259,000 | 1,211 |
| Average equity | $66,090,000 | 1,407 |
| Average total loans | $405,838,500 | 1,396 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9985% | 2,729 |
| Cost of funding earning assets | 0.5332% | 2,731 |
| Net interest margin | 3.4652% | 2,578 |
| Noninterest income to average assets | 0.4794% | 2,729 |
| Noninterest expense to average assets | 2.5209% | 2,783 |
| Loan and lease loss provision to assets | 0.1782% | 2,169 |
| Net operating income to assets | 0.9125% | 2,638 |
| Return on assets (ROA) | 0.9219% | 2,739 |
| Pretax return on assets | 0.9793% | 3,108 |
| Return on Equity (ROE) | 9.7307% | 2,104 |
| Retained earnings to average equity (ytd only) | 7.6974% | 1,144 |
| Net charge-offs to loans | 0.0274% | 2,483 |
| Credit loss provision to net charge-offs | 1,085.0467% | 737 |
| Earnings coverage of net charge-offs (x) | 69.8692% | 977 |
| Efficiency ratio | 68.7184% | 2,136 |
| Assets per employee ($millions) | 6.1006% | 2,254 |
| Cash dividends to net income (ytd only)* | 20.8958% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 1,669 |
| Loan loss allowance to noncurrent loans | 413.5061% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 3,270 |
| Noncurrent loans to loans | 0.3568% | 2,920 |
| Net loans and leases to total assets | 56.2310% | 3,278 |
| Net loans and leases to deposits | 66.6782% | 3,211 |
| Net loans and leases to core deposits | 71.3010% | 3,151 |
| Total domestic deposits to total assets | 84.3319% | 3,005 |
| Equity capital to assets | 9.2303% | 3,856 |
| Core capital (leverage) ratio | 9.0029% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6632% | 1,641 |
| Memoranda: | ||
| Average total assets | $651,464,400 | 1,253 |
| Average earning assets | $599,555,000 | 1,264 |
| Average equity | $61,722,400 | 1,417 |
| Average total loans | $389,913,000 | 1,399 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 2,709 |
| Cost of funding earning assets | 0.5954% | 2,643 |
| Net interest margin | 3.4923% | 2,613 |
| Noninterest income to average assets | 0.4838% | 2,681 |
| Noninterest expense to average assets | 2.5480% | 2,697 |
| Loan and lease loss provision to assets | 0.1922% | 2,066 |
| Net operating income to assets | 0.9110% | 2,649 |
| Return on assets (ROA) | 0.9242% | 2,745 |
| Pretax return on assets | 0.9666% | 3,172 |
| Return on Equity (ROE) | 9.6835% | 2,139 |
| Retained earnings to average equity (ytd only) | 8.9787% | 988 |
| Net charge-offs to loans | 0.0319% | 2,192 |
| Credit loss provision to net charge-offs | 993.4783% | 826 |
| Earnings coverage of net charge-offs (x) | 59.2174% | 1,106 |
| Efficiency ratio | 68.9944% | 2,038 |
| Assets per employee ($millions) | 5.8641% | 2,386 |
| Cash dividends to net income (ytd only)* | 7.2777% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 1,612 |
| Loan loss allowance to noncurrent loans | 353.1193% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 3,235 |
| Noncurrent loans to loans | 0.4046% | 2,844 |
| Net loans and leases to total assets | 58.6284% | 3,360 |
| Net loans and leases to deposits | 70.5191% | 3,265 |
| Net loans and leases to core deposits | 75.4359% | 3,212 |
| Total domestic deposits to total assets | 83.1383% | 3,109 |
| Equity capital to assets | 9.5918% | 3,613 |
| Core capital (leverage) ratio | 8.9957% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1694% | 1,459 |
| Memoranda: | ||
| Average total assets | $634,363,000 | 1,263 |
| Average earning assets | $582,944,500 | 1,273 |
| Average equity | $60,541,500 | 1,426 |
| Average total loans | $384,678,250 | 1,402 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 2,714 |
| Cost of funding earning assets | 0.6685% | 2,568 |
| Net interest margin | 3.5452% | 2,653 |
| Noninterest income to average assets | 0.4916% | 2,611 |
| Noninterest expense to average assets | 2.5169% | 2,919 |
| Loan and lease loss provision to assets | 0.2022% | 2,031 |
| Net operating income to assets | 0.9662% | 2,437 |
| Return on assets (ROA) | 0.9862% | 2,510 |
| Pretax return on assets | 1.0436% | 2,891 |
| Return on Equity (ROE) | 10.3529% | 1,866 |
| Retained earnings to average equity (ytd only) | 9.2642% | 943 |
| Net charge-offs to loans | 0.0292% | 2,134 |
| Credit loss provision to net charge-offs | 1,134.5455% | 727 |
| Earnings coverage of net charge-offs (x) | 68.7091% | 889 |
| Efficiency ratio | 67.2672% | 2,338 |
| Assets per employee ($millions) | 5.9672% | 2,212 |
| Cash dividends to net income (ytd only)* | 10.5159% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 1,689 |
| Loan loss allowance to noncurrent loans | 566.1929% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 3,803 |
| Noncurrent loans to loans | 0.2419% | 3,514 |
| Net loans and leases to total assets | 58.0158% | 3,515 |
| Net loans and leases to deposits | 68.8302% | 3,501 |
| Net loans and leases to core deposits | 74.2018% | 3,445 |
| Total domestic deposits to total assets | 84.2883% | 2,641 |
| Equity capital to assets | 9.3150% | 3,819 |
| Core capital (leverage) ratio | 9.2144% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7876% | 1,549 |
| Memoranda: | ||
| Average total assets | $617,119,333 | 1,267 |
| Average earning assets | $565,720,667 | 1,278 |
| Average equity | $58,785,667 | 1,448 |
| Average total loans | $376,879,000 | 1,407 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 2,332 |
| Cost of funding earning assets | 0.8233% | 2,259 |
| Net interest margin | 3.6677% | 2,443 |
| Noninterest income to average assets | 0.5431% | 2,316 |
| Noninterest expense to average assets | 2.6578% | 2,815 |
| Loan and lease loss provision to assets | 0.1380% | 2,005 |
| Net operating income to assets | 1.0204% | 2,113 |
| Return on assets (ROA) | 1.0621% | 2,066 |
| Pretax return on assets | 1.1374% | 2,405 |
| Return on Equity (ROE) | 11.0047% | 1,408 |
| Retained earnings to average equity (ytd only) | 8.7166% | 1,044 |
| Net charge-offs to loans | 0.0310% | 1,765 |
| Credit loss provision to net charge-offs | 714.2857% | 712 |
| Earnings coverage of net charge-offs (x) | 63.6786% | 778 |
| Efficiency ratio | 68.3529% | 2,610 |
| Assets per employee ($millions) | 5.4501% | 2,174 |
| Cash dividends to net income (ytd only)* | 20.7927% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,624 |
| Loan loss allowance to noncurrent loans | 526.3211% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 3,843 |
| Noncurrent loans to loans | 0.2700% | 3,529 |
| Net loans and leases to total assets | 59.9196% | 3,501 |
| Net loans and leases to deposits | 70.8915% | 3,525 |
| Net loans and leases to core deposits | 77.2163% | 3,409 |
| Total domestic deposits to total assets | 84.5229% | 2,591 |
| Equity capital to assets | 9.3336% | 4,367 |
| Core capital (leverage) ratio | 9.4607% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $579,583,000 | 1,292 |
| Average earning assets | $528,617,500 | 1,315 |
| Average equity | $55,939,500 | 1,501 |
| Average total loans | $361,739,500 | 1,417 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 2,314 |
| Cost of funding earning assets | 0.9414% | 2,004 |
| Net interest margin | 3.7618% | 2,633 |
| Noninterest income to average assets | 0.8516% | 1,294 |
| Noninterest expense to average assets | 2.8070% | 2,576 |
| Loan and lease loss provision to assets | 0.2787% | 631 |
| Net operating income to assets | 1.1298% | 2,340 |
| Return on assets (ROA) | 1.1316% | 2,422 |
| Pretax return on assets | 1.1783% | 2,917 |
| Return on Equity (ROE) | 11.5865% | 1,658 |
| Retained earnings to average equity (ytd only) | 11.3935% | 288 |
| Net charge-offs to loans | 0.0489% | 2,418 |
| Credit loss provision to net charge-offs | 901.8293% | 376 |
| Earnings coverage of net charge-offs (x) | 47.0915% | 1,179 |
| Efficiency ratio | 65.8592% | 2,794 |
| Assets per employee ($millions) | 4.9527% | 2,658 |
| Cash dividends to net income (ytd only)* | 1.6650% | 3,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 1,539 |
| Loan loss allowance to noncurrent loans | 265.9586% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 3,070 |
| Noncurrent loans to loans | 0.5244% | 2,612 |
| Net loans and leases to total assets | 63.2653% | 3,282 |
| Net loans and leases to deposits | 74.2902% | 3,324 |
| Net loans and leases to core deposits | 81.9797% | 3,121 |
| Total domestic deposits to total assets | 85.1598% | 2,436 |
| Equity capital to assets | 9.9924% | 3,927 |
| Core capital (leverage) ratio | 9.8657% | 3,655 |
| Tier 1 risk-based capital ratio | 13.6342% | 3,442 |
| Total risk-based capital ratio | 14.8842% | 3,353 |
| Memoranda: | ||
| Average total assets | $530,746,000 | 1,352 |
| Average earning assets | $481,185,200 | 1,378 |
| Average equity | $51,836,400 | 1,548 |
| Average total loans | $335,237,600 | 1,479 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 2,425 |
| Cost of funding earning assets | 0.9556% | 1,967 |
| Net interest margin | 3.7417% | 2,779 |
| Noninterest income to average assets | 0.6864% | 1,845 |
| Noninterest expense to average assets | 2.8038% | 2,551 |
| Loan and lease loss provision to assets | 0.1146% | 1,698 |
| Net operating income to assets | 1.1141% | 2,519 |
| Return on assets (ROA) | 1.1163% | 2,598 |
| Pretax return on assets | 1.1588% | 3,107 |
| Return on Equity (ROE) | 11.5003% | 1,807 |
| Retained earnings to average equity (ytd only) | 11.5003% | 453 |
| Net charge-offs to loans | 0.0510% | 2,097 |
| Credit loss provision to net charge-offs | 357.1429% | 840 |
| Earnings coverage of net charge-offs (x) | 39.6101% | 1,379 |
| Efficiency ratio | 68.8063% | 2,286 |
| Assets per employee ($millions) | 4.7523% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,742 |
| Loan loss allowance to noncurrent loans | 232.8696% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 3,251 |
| Noncurrent loans to loans | 0.4966% | 2,808 |
| Net loans and leases to total assets | 63.3769% | 3,348 |
| Net loans and leases to deposits | 73.7974% | 3,491 |
| Net loans and leases to core deposits | 81.6575% | 3,271 |
| Total domestic deposits to total assets | 85.8796% | 2,044 |
| Equity capital to assets | 10.0463% | 3,971 |
| Core capital (leverage) ratio | 9.9934% | 3,649 |
| Tier 1 risk-based capital ratio | 14.0958% | 3,281 |
| Total risk-based capital ratio | 15.1716% | 3,280 |
| Memoranda: | ||
| Average total assets | $523,519,000 | 1,370 |
| Average earning assets | $474,107,750 | 1,405 |
| Average equity | $50,814,750 | 1,578 |
| Average total loans | $329,278,250 | 1,516 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 2,414 |
| Cost of funding earning assets | 0.9711% | 1,825 |
| Net interest margin | 3.7132% | 2,894 |
| Noninterest income to average assets | 0.7158% | 1,650 |
| Noninterest expense to average assets | 2.8394% | 2,444 |
| Loan and lease loss provision to assets | 0.1160% | 1,617 |
| Net operating income to assets | 1.0883% | 2,570 |
| Return on assets (ROA) | 1.0823% | 2,662 |
| Pretax return on assets | 1.1136% | 3,193 |
| Return on Equity (ROE) | 11.2879% | 1,876 |
| Retained earnings to average equity (ytd only) | 11.2879% | 513 |
| Net charge-offs to loans | 0.0012% | 3,137 |
| Credit loss provision to net charge-offs | 15,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 1,598.5000% | 42 |
| Efficiency ratio | 69.6766% | 2,277 |
| Assets per employee ($millions) | 4.5839% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 2,444 |
| Loan loss allowance to noncurrent loans | 220.7412% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 3,138 |
| Noncurrent loans to loans | 0.5503% | 2,618 |
| Net loans and leases to total assets | 62.6561% | 3,478 |
| Net loans and leases to deposits | 71.3056% | 3,738 |
| Net loans and leases to core deposits | 78.8833% | 3,511 |
| Total domestic deposits to total assets | 87.8697% | 1,159 |
| Equity capital to assets | 10.1543% | 3,832 |
| Core capital (leverage) ratio | 9.8988% | 3,704 |
| Tier 1 risk-based capital ratio | 14.0160% | 3,315 |
| Total risk-based capital ratio | 15.1118% | 3,292 |
| Memoranda: | ||
| Average total assets | $517,438,000 | 1,384 |
| Average earning assets | $468,110,330 | 1,423 |
| Average equity | $49,610,670 | 1,603 |
| Average total loans | $323,248,000 | 1,543 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5984% | 2,535 |
| Cost of funding earning assets | 0.9909% | 1,603 |
| Net interest margin | 3.6075% | 3,228 |
| Noninterest income to average assets | 0.6946% | 1,634 |
| Noninterest expense to average assets | 2.8401% | 2,441 |
| Loan and lease loss provision to assets | 0.1160% | 1,516 |
| Net operating income to assets | 1.0008% | 2,833 |
| Return on assets (ROA) | 1.0008% | 2,876 |
| Pretax return on assets | 1.0047% | 3,418 |
| Return on Equity (ROE) | 10.7570% | 2,047 |
| Retained earnings to average equity (ytd only) | 10.7570% | 857 |
| Net charge-offs to loans | -0.0137% | 4,349 |
| Credit loss provision to net charge-offs | -1,363.6364% | 3,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7047% | 2,079 |
| Assets per employee ($millions) | 4.5555% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 2,516 |
| Loan loss allowance to noncurrent loans | 255.6366% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 3,435 |
| Noncurrent loans to loans | 0.4738% | 2,895 |
| Net loans and leases to total assets | 61.0774% | 3,594 |
| Net loans and leases to deposits | 69.0810% | 3,838 |
| Net loans and leases to core deposits | 78.1489% | 3,506 |
| Total domestic deposits to total assets | 88.4142% | 1,123 |
| Equity capital to assets | 9.5800% | 4,183 |
| Core capital (leverage) ratio | 9.5886% | 4,034 |
| Tier 1 risk-based capital ratio | 13.5822% | 3,567 |
| Total risk-based capital ratio | 14.6390% | 3,580 |
| Memoranda: | ||
| Average total assets | $517,168,500 | 1,393 |
| Average earning assets | $468,251,000 | 1,427 |
| Average equity | $48,117,500 | 1,636 |
| Average total loans | $320,604,500 | 1,560 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5547% | 2,278 |
| Cost of funding earning assets | 0.8103% | 1,471 |
| Net interest margin | 3.7444% | 2,877 |
| Noninterest income to average assets | 0.6734% | 1,951 |
| Noninterest expense to average assets | 2.9077% | 2,321 |
| Loan and lease loss provision to assets | 0.1140% | 1,932 |
| Net operating income to assets | 0.9902% | 3,049 |
| Return on assets (ROA) | 0.9902% | 3,050 |
| Pretax return on assets | 1.0197% | 3,542 |
| Return on Equity (ROE) | 10.8579% | 2,147 |
| Retained earnings to average equity (ytd only) | 8.0605% | 1,205 |
| Net charge-offs to loans | 0.0736% | 2,067 |
| Credit loss provision to net charge-offs | 245.5357% | 1,209 |
| Earnings coverage of net charge-offs (x) | 24.4196% | 1,815 |
| Efficiency ratio | 71.9487% | 1,906 |
| Assets per employee ($millions) | 4.6390% | 2,974 |
| Cash dividends to net income (ytd only)* | 25.7639% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 2,864 |
| Loan loss allowance to noncurrent loans | 1,388.3459% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 4,586 |
| Noncurrent loans to loans | 0.0824% | 4,385 |
| Net loans and leases to total assets | 61.4459% | 3,618 |
| Net loans and leases to deposits | 72.8460% | 3,597 |
| Net loans and leases to core deposits | 81.4991% | 3,307 |
| Total domestic deposits to total assets | 84.3505% | 2,890 |
| Equity capital to assets | 9.0306% | 4,550 |
| Core capital (leverage) ratio | 9.5851% | 4,019 |
| Tier 1 risk-based capital ratio | 12.9937% | 3,848 |
| Total risk-based capital ratio | 13.9882% | 3,877 |
| Memoranda: | ||
| Average total assets | $482,507,800 | 1,450 |
| Average earning assets | $434,011,400 | 1,490 |
| Average equity | $44,004,800 | 1,698 |
| Average total loans | $304,277,800 | 1,583 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5315% | 2,186 |
| Cost of funding earning assets | 0.7851% | 1,407 |
| Net interest margin | 3.7464% | 2,837 |
| Noninterest income to average assets | 0.7021% | 1,853 |
| Noninterest expense to average assets | 2.9301% | 2,231 |
| Loan and lease loss provision to assets | 0.1268% | 1,584 |
| Net operating income to assets | 0.9906% | 3,123 |
| Return on assets (ROA) | 0.9906% | 3,132 |
| Pretax return on assets | 1.0089% | 3,696 |
| Return on Equity (ROE) | 10.8325% | 2,246 |
| Retained earnings to average equity (ytd only) | 7.0399% | 2,105 |
| Net charge-offs to loans | 0.0552% | 2,033 |
| Credit loss provision to net charge-offs | 362.9032% | 872 |
| Earnings coverage of net charge-offs (x) | 32.5079% | 1,543 |
| Efficiency ratio | 72.0671% | 1,873 |
| Assets per employee ($millions) | 4.5970% | 2,980 |
| Cash dividends to net income (ytd only)* | 35.0113% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,500 |
| Loan loss allowance to noncurrent loans | 649.0334% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 4,162 |
| Noncurrent loans to loans | 0.1881% | 4,043 |
| Net loans and leases to total assets | 59.6234% | 3,888 |
| Net loans and leases to deposits | 67.5139% | 4,091 |
| Net loans and leases to core deposits | 75.3258% | 3,853 |
| Total domestic deposits to total assets | 88.3129% | 1,114 |
| Equity capital to assets | 8.6814% | 4,810 |
| Core capital (leverage) ratio | 9.2431% | 4,465 |
| Tier 1 risk-based capital ratio | 13.0456% | 3,881 |
| Total risk-based capital ratio | 14.0955% | 3,897 |
| Memoranda: | ||
| Average total assets | $473,242,500 | 1,485 |
| Average earning assets | $424,898,000 | 1,524 |
| Average equity | $43,276,000 | 1,727 |
| Average total loans | $299,610,500 | 1,605 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4973% | 2,093 |
| Cost of funding earning assets | 0.7421% | 1,418 |
| Net interest margin | 3.7552% | 2,731 |
| Noninterest income to average assets | 0.7156% | 1,814 |
| Noninterest expense to average assets | 2.9808% | 2,092 |
| Loan and lease loss provision to assets | 0.1293% | 1,532 |
| Net operating income to assets | 0.9656% | 3,164 |
| Return on assets (ROA) | 0.9656% | 3,165 |
| Pretax return on assets | 0.9690% | 3,753 |
| Return on Equity (ROE) | 10.3701% | 2,396 |
| Retained earnings to average equity (ytd only) | 6.8748% | 2,128 |
| Net charge-offs to loans | 0.0603% | 1,745 |
| Credit loss provision to net charge-offs | 333.3333% | 935 |
| Earnings coverage of net charge-offs (x) | 28.3111% | 1,562 |
| Efficiency ratio | 73.0741% | 1,837 |
| Assets per employee ($millions) | 4.3465% | 3,360 |
| Cash dividends to net income (ytd only)* | 33.7054% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,799 |
| Loan loss allowance to noncurrent loans | 701.3725% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 4,164 |
| Noncurrent loans to loans | 0.1694% | 4,151 |
| Net loans and leases to total assets | 61.1141% | 3,696 |
| Net loans and leases to deposits | 68.9174% | 3,952 |
| Net loans and leases to core deposits | 76.4913% | 3,705 |
| Total domestic deposits to total assets | 88.6773% | 1,066 |
| Equity capital to assets | 8.9092% | 4,634 |
| Core capital (leverage) ratio | 9.3405% | 4,314 |
| Tier 1 risk-based capital ratio | 12.8614% | 3,976 |
| Total risk-based capital ratio | 13.8818% | 4,004 |
| Memoranda: | ||
| Average total assets | $463,965,670 | 1,523 |
| Average earning assets | $415,585,000 | 1,559 |
| Average equity | $43,201,330 | 1,732 |
| Average total loans | $298,664,000 | 1,611 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 1,982 |
| Cost of funding earning assets | 0.6744% | 1,571 |
| Net interest margin | 3.7892% | 2,466 |
| Noninterest income to average assets | 0.6788% | 1,917 |
| Noninterest expense to average assets | 3.0256% | 2,009 |
| Loan and lease loss provision to assets | 0.1326% | 1,426 |
| Net operating income to assets | 0.9192% | 3,206 |
| Return on assets (ROA) | 0.9192% | 3,219 |
| Pretax return on assets | 0.9078% | 3,823 |
| Return on Equity (ROE) | 9.6483% | 2,609 |
| Retained earnings to average equity (ytd only) | 6.8651% | 2,342 |
| Net charge-offs to loans | 0.0834% | 1,306 |
| Credit loss provision to net charge-offs | 241.9355% | 929 |
| Earnings coverage of net charge-offs (x) | 18.9839% | 1,520 |
| Efficiency ratio | 74.4130% | 1,840 |
| Assets per employee ($millions) | 4.0815% | 3,833 |
| Cash dividends to net income (ytd only)* | 28.8462% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 3,004 |
| Loan loss allowance to noncurrent loans | 563.6215% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 4,130 |
| Noncurrent loans to loans | 0.2068% | 4,047 |
| Net loans and leases to total assets | 64.6787% | 3,214 |
| Net loans and leases to deposits | 73.5783% | 3,460 |
| Net loans and leases to core deposits | 84.3043% | 2,951 |
| Total domestic deposits to total assets | 87.9046% | 1,678 |
| Equity capital to assets | 9.4736% | 4,113 |
| Core capital (leverage) ratio | 9.8202% | 3,737 |
| Tier 1 risk-based capital ratio | 13.0031% | 3,942 |
| Total risk-based capital ratio | 14.0162% | 3,970 |
| Memoranda: | ||
| Average total assets | $452,543,000 | 1,562 |
| Average earning assets | $404,513,000 | 1,603 |
| Average equity | $43,116,500 | 1,746 |
| Average total loans | $297,452,500 | 1,616 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 1,934 |
| Cost of funding earning assets | 0.5527% | 1,930 |
| Net interest margin | 3.8789% | 2,157 |
| Noninterest income to average assets | 0.6163% | 2,374 |
| Noninterest expense to average assets | 2.8944% | 2,477 |
| Loan and lease loss provision to assets | 0.2700% | 667 |
| Net operating income to assets | 0.7874% | 3,219 |
| Return on assets (ROA) | 0.7977% | 3,209 |
| Pretax return on assets | 0.9462% | 3,752 |
| Return on Equity (ROE) | 8.3370% | 2,631 |
| Retained earnings to average equity (ytd only) | 2.8986% | 3,572 |
| Net charge-offs to loans | 0.2865% | 919 |
| Credit loss provision to net charge-offs | 143.5523% | 1,846 |
| Earnings coverage of net charge-offs (x) | 6.4002% | 3,187 |
| Efficiency ratio | 70.6237% | 2,452 |
| Assets per employee ($millions) | 4.0724% | 3,852 |
| Cash dividends to net income (ytd only)* | 65.2324% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,194 |
| Loan loss allowance to noncurrent loans | 257.4924% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3515% | 3,458 |
| Noncurrent loans to loans | 0.4383% | 3,212 |
| Net loans and leases to total assets | 65.2725% | 3,191 |
| Net loans and leases to deposits | 75.8131% | 3,346 |
| Net loans and leases to core deposits | 92.1774% | 2,367 |
| Total domestic deposits to total assets | 86.0966% | 2,390 |
| Equity capital to assets | 9.5817% | 4,156 |
| Core capital (leverage) ratio | 9.8629% | 3,620 |
| Tier 1 risk-based capital ratio | 12.8067% | 4,033 |
| Total risk-based capital ratio | 13.7959% | 4,078 |
| Memoranda: | ||
| Average total assets | $436,988,200 | 1,584 |
| Average earning assets | $392,271,800 | 1,626 |
| Average equity | $41,813,400 | 1,783 |
| Average total loans | $286,875,400 | 1,622 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 1,786 |
| Cost of funding earning assets | 0.5365% | 1,982 |
| Net interest margin | 3.9146% | 1,987 |
| Noninterest income to average assets | 0.6503% | 2,209 |
| Noninterest expense to average assets | 2.8865% | 2,458 |
| Loan and lease loss provision to assets | 0.3308% | 456 |
| Net operating income to assets | 0.8557% | 3,255 |
| Return on assets (ROA) | 0.8707% | 3,219 |
| Pretax return on assets | 0.9664% | 3,814 |
| Return on Equity (ROE) | 9.1024% | 2,552 |
| Retained earnings to average equity (ytd only) | 5.2414% | 2,716 |
| Net charge-offs to loans | 0.3775% | 557 |
| Credit loss provision to net charge-offs | 133.7065% | 1,845 |
| Earnings coverage of net charge-offs (x) | 5.1754% | 3,137 |
| Efficiency ratio | 69.2688% | 2,658 |
| Assets per employee ($millions) | 4.3745% | 3,348 |
| Cash dividends to net income (ytd only)* | 42.4178% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,434 |
| Loan loss allowance to noncurrent loans | 239.2414% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 3,563 |
| Noncurrent loans to loans | 0.4638% | 3,310 |
| Net loans and leases to total assets | 64.8720% | 3,269 |
| Net loans and leases to deposits | 76.1267% | 3,366 |
| Net loans and leases to core deposits | 93.0980% | 2,339 |
| Total domestic deposits to total assets | 85.2158% | 2,631 |
| Equity capital to assets | 9.8021% | 4,146 |
| Core capital (leverage) ratio | 10.0549% | 3,502 |
| Tier 1 risk-based capital ratio | 13.1781% | 3,891 |
| Total risk-based capital ratio | 14.1600% | 3,977 |
| Memoranda: | ||
| Average total assets | $433,225,500 | 1,607 |
| Average earning assets | $389,200,500 | 1,647 |
| Average equity | $41,438,500 | 1,818 |
| Average total loans | $283,988,000 | 1,646 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 1,651 |
| Cost of funding earning assets | 0.5222% | 1,989 |
| Net interest margin | 3.9319% | 1,835 |
| Noninterest income to average assets | 0.6504% | 2,201 |
| Noninterest expense to average assets | 2.9145% | 2,375 |
| Loan and lease loss provision to assets | 0.3977% | 333 |
| Net operating income to assets | 0.8180% | 3,311 |
| Return on assets (ROA) | 0.8123% | 3,398 |
| Pretax return on assets | 0.8623% | 4,070 |
| Return on Equity (ROE) | 8.5666% | 2,744 |
| Retained earnings to average equity (ytd only) | 3.4345% | 3,666 |
| Net charge-offs to loans | 0.5226% | 371 |
| Credit loss provision to net charge-offs | 116.1202% | 1,822 |
| Earnings coverage of net charge-offs (x) | 3.6967% | 3,014 |
| Efficiency ratio | 69.7146% | 2,719 |
| Assets per employee ($millions) | 4.2228% | 3,575 |
| Cash dividends to net income (ytd only)* | 59.9078% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 3,636 |
| Loan loss allowance to noncurrent loans | 175.0420% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4860% | 3,148 |
| Noncurrent loans to loans | 0.6230% | 2,865 |
| Net loans and leases to total assets | 65.2301% | 3,224 |
| Net loans and leases to deposits | 75.4815% | 3,408 |
| Net loans and leases to core deposits | 90.3650% | 2,485 |
| Total domestic deposits to total assets | 86.4187% | 2,189 |
| Equity capital to assets | 9.9586% | 3,959 |
| Core capital (leverage) ratio | 9.9386% | 3,606 |
| Tier 1 risk-based capital ratio | 13.2424% | 3,845 |
| Total risk-based capital ratio | 14.2034% | 3,948 |
| Memoranda: | ||
| Average total assets | $427,442,330 | 1,625 |
| Average earning assets | $383,779,330 | 1,670 |
| Average equity | $40,529,330 | 1,848 |
| Average total loans | $280,125,000 | 1,664 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3299% | 1,881 |
| Cost of funding earning assets | 0.5036% | 2,061 |
| Net interest margin | 3.8262% | 2,027 |
| Noninterest income to average assets | 0.6439% | 2,207 |
| Noninterest expense to average assets | 2.9059% | 2,440 |
| Loan and lease loss provision to assets | 0.5901% | 164 |
| Net operating income to assets | 0.5872% | 4,208 |
| Return on assets (ROA) | 0.5750% | 4,304 |
| Pretax return on assets | 0.5712% | 4,792 |
| Return on Equity (ROE) | 6.2244% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.2244% | 2,224 |
| Net charge-offs to loans | 1.0753% | 163 |
| Credit loss provision to net charge-offs | 84.0054% | 1,729 |
| Earnings coverage of net charge-offs (x) | 1.6707% | 2,700 |
| Efficiency ratio | 71.2335% | 2,695 |
| Assets per employee ($millions) | 4.3757% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 4,129 |
| Loan loss allowance to noncurrent loans | 179.7886% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 3,356 |
| Noncurrent loans to loans | 0.5703% | 3,095 |
| Net loans and leases to total assets | 64.4180% | 3,215 |
| Net loans and leases to deposits | 77.1713% | 3,060 |
| Net loans and leases to core deposits | 87.6509% | 2,578 |
| Total domestic deposits to total assets | 83.4740% | 3,665 |
| Equity capital to assets | 9.7623% | 4,008 |
| Core capital (leverage) ratio | 10.2440% | 3,204 |
| Tier 1 risk-based capital ratio | 13.4305% | 3,815 |
| Total risk-based capital ratio | 14.3335% | 3,933 |
| Memoranda: | ||
| Average total assets | $423,688,000 | 1,651 |
| Average earning assets | $380,428,000 | 1,690 |
| Average equity | $39,136,500 | 1,909 |
| Average total loans | $276,764,000 | 1,693 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 1,841 |
| Cost of funding earning assets | 0.4983% | 2,104 |
| Net interest margin | 3.8958% | 1,980 |
| Noninterest income to average assets | 0.6644% | 2,347 |
| Noninterest expense to average assets | 3.0153% | 2,306 |
| Loan and lease loss provision to assets | 0.3200% | 573 |
| Net operating income to assets | 0.7474% | 3,550 |
| Return on assets (ROA) | 0.7952% | 3,429 |
| Pretax return on assets | 0.9083% | 3,824 |
| Return on Equity (ROE) | 8.4261% | 2,723 |
| Retained earnings to average equity (ytd only) | 6.2247% | 1,593 |
| Net charge-offs to loans | 0.5004% | 490 |
| Credit loss provision to net charge-offs | 96.8486% | 2,665 |
| Earnings coverage of net charge-offs (x) | 3.5527% | 3,644 |
| Efficiency ratio | 71.9777% | 2,591 |
| Assets per employee ($millions) | 4.3144% | 3,418 |
| Cash dividends to net income (ytd only)* | 26.1258% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 3,664 |
| Loan loss allowance to noncurrent loans | 142.1152% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.6422% | 2,800 |
| Noncurrent loans to loans | 0.7799% | 2,570 |
| Net loans and leases to total assets | 64.8440% | 3,240 |
| Net loans and leases to deposits | 77.6881% | 3,139 |
| Net loans and leases to core deposits | 90.1796% | 2,483 |
| Total domestic deposits to total assets | 83.4671% | 3,606 |
| Equity capital to assets | 8.6878% | 5,115 |
| Core capital (leverage) ratio | 9.3539% | 4,280 |
| Tier 1 risk-based capital ratio | 11.7949% | 4,868 |
| Total risk-based capital ratio | 12.7572% | 4,953 |
| Memoranda: | ||
| Average total assets | $393,719,600 | 1,708 |
| Average earning assets | $356,226,200 | 1,742 |
| Average equity | $37,158,200 | 1,970 |
| Average total loans | $259,971,600 | 1,733 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 1,711 |
| Cost of funding earning assets | 0.5001% | 2,101 |
| Net interest margin | 3.9459% | 1,829 |
| Noninterest income to average assets | 0.6889% | 2,218 |
| Noninterest expense to average assets | 3.0718% | 2,093 |
| Loan and lease loss provision to assets | 0.4014% | 363 |
| Net operating income to assets | 0.7291% | 3,700 |
| Return on assets (ROA) | 0.7960% | 3,523 |
| Pretax return on assets | 0.8674% | 4,089 |
| Return on Equity (ROE) | 8.2593% | 2,874 |
| Retained earnings to average equity (ytd only) | 8.2593% | 1,059 |
| Net charge-offs to loans | 0.5923% | 352 |
| Credit loss provision to net charge-offs | 102.4518% | 2,308 |
| Earnings coverage of net charge-offs (x) | 3.0525% | 3,475 |
| Efficiency ratio | 71.9752% | 2,585 |
| Assets per employee ($millions) | 4.0329% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 3,471 |
| Loan loss allowance to noncurrent loans | 115.0654% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.9453% | 2,196 |
| Noncurrent loans to loans | 1.0099% | 2,223 |
| Net loans and leases to total assets | 66.2425% | 3,082 |
| Net loans and leases to deposits | 79.9613% | 2,970 |
| Net loans and leases to core deposits | 90.4789% | 2,531 |
| Total domestic deposits to total assets | 82.8432% | 3,650 |
| Equity capital to assets | 9.6785% | 4,487 |
| Core capital (leverage) ratio | 9.5189% | 4,152 |
| Tier 1 risk-based capital ratio | 12.3392% | 4,579 |
| Total risk-based capital ratio | 13.3602% | 4,630 |
| Memoranda: | ||
| Average total assets | $388,604,500 | 1,728 |
| Average earning assets | $352,461,500 | 1,762 |
| Average equity | $37,452,000 | 1,970 |
| Average total loans | $257,069,250 | 1,753 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 1,664 |
| Cost of funding earning assets | 0.5025% | 2,086 |
| Net interest margin | 3.9499% | 1,804 |
| Noninterest income to average assets | 0.6926% | 2,178 |
| Noninterest expense to average assets | 3.0626% | 2,165 |
| Loan and lease loss provision to assets | 0.4891% | 272 |
| Net operating income to assets | 0.6853% | 3,872 |
| Return on assets (ROA) | 0.7629% | 3,631 |
| Pretax return on assets | 0.8069% | 4,260 |
| Return on Equity (ROE) | 7.9279% | 3,018 |
| Retained earnings to average equity (ytd only) | 7.9279% | 1,193 |
| Net charge-offs to loans | 0.3175% | 744 |
| Credit loss provision to net charge-offs | 233.9109% | 1,162 |
| Earnings coverage of net charge-offs (x) | 5.8069% | 2,815 |
| Efficiency ratio | 71.6084% | 2,730 |
| Assets per employee ($millions) | 4.1411% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 2,393 |
| Loan loss allowance to noncurrent loans | 107.9026% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1530% | 1,838 |
| Noncurrent loans to loans | 1.2771% | 1,778 |
| Net loans and leases to total assets | 65.3285% | 3,177 |
| Net loans and leases to deposits | 78.4638% | 3,105 |
| Net loans and leases to core deposits | 88.4461% | 2,686 |
| Total domestic deposits to total assets | 83.2594% | 3,552 |
| Equity capital to assets | 9.7305% | 4,532 |
| Core capital (leverage) ratio | 9.5234% | 4,177 |
| Tier 1 risk-based capital ratio | 12.3729% | 4,610 |
| Total risk-based capital ratio | 13.5725% | 4,551 |
| Memoranda: | ||
| Average total assets | $386,397,670 | 1,736 |
| Average earning assets | $350,639,000 | 1,767 |
| Average equity | $37,185,330 | 1,986 |
| Average total loans | $254,464,000 | 1,775 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 1,738 |
| Cost of funding earning assets | 0.5072% | 2,048 |
| Net interest margin | 3.9158% | 1,889 |
| Noninterest income to average assets | 0.6926% | 2,075 |
| Noninterest expense to average assets | 3.0881% | 2,130 |
| Loan and lease loss provision to assets | 0.8932% | 113 |
| Net operating income to assets | 0.4482% | 4,838 |
| Return on assets (ROA) | 0.4858% | 4,786 |
| Pretax return on assets | 0.3061% | 5,498 |
| Return on Equity (ROE) | 5.0767% | 4,450 |
| Retained earnings to average equity (ytd only) | 5.0767% | 2,893 |
| Net charge-offs to loans | 0.6205% | 357 |
| Credit loss provision to net charge-offs | 219.2308% | 1,023 |
| Earnings coverage of net charge-offs (x) | 2.8513% | 2,623 |
| Efficiency ratio | 72.6647% | 2,701 |
| Assets per employee ($millions) | 4.1445% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 2,446 |
| Loan loss allowance to noncurrent loans | 95.0514% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.1597% | 1,892 |
| Noncurrent loans to loans | 1.4682% | 1,604 |
| Net loans and leases to total assets | 64.4340% | 3,179 |
| Net loans and leases to deposits | 76.5784% | 3,158 |
| Net loans and leases to core deposits | 88.6541% | 2,495 |
| Total domestic deposits to total assets | 84.1412% | 3,464 |
| Equity capital to assets | 9.5689% | 4,601 |
| Core capital (leverage) ratio | 9.4149% | 4,331 |
| Tier 1 risk-based capital ratio | 12.5462% | 4,546 |
| Total risk-based capital ratio | 13.7663% | 4,478 |
| Memoranda: | ||
| Average total assets | $382,894,500 | 1,748 |
| Average earning assets | $347,824,500 | 1,787 |
| Average equity | $36,638,000 | 2,007 |
| Average total loans | $251,398,000 | 1,788 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 1,501 |
| Cost of funding earning assets | 0.4941% | 2,207 |
| Net interest margin | 4.0412% | 1,588 |
| Noninterest income to average assets | 0.6769% | 2,308 |
| Noninterest expense to average assets | 3.1025% | 2,232 |
| Loan and lease loss provision to assets | 0.2045% | 1,043 |
| Net operating income to assets | 0.9240% | 2,734 |
| Return on assets (ROA) | 0.9497% | 2,692 |
| Pretax return on assets | 1.0708% | 3,186 |
| Return on Equity (ROE) | 9.8669% | 2,058 |
| Retained earnings to average equity (ytd only) | 7.7089% | 1,012 |
| Net charge-offs to loans | 0.4497% | 612 |
| Credit loss provision to net charge-offs | 67.8119% | 3,163 |
| Earnings coverage of net charge-offs (x) | 4.1338% | 3,606 |
| Efficiency ratio | 71.3408% | 3,008 |
| Assets per employee ($millions) | 4.1343% | 3,686 |
| Cash dividends to net income (ytd only)* | 21.8714% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 3,386 |
| Loan loss allowance to noncurrent loans | 101.5989% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.1045% | 1,987 |
| Noncurrent loans to loans | 1.1964% | 1,972 |
| Net loans and leases to total assets | 65.1709% | 3,100 |
| Net loans and leases to deposits | 79.0788% | 2,935 |
| Net loans and leases to core deposits | 91.5862% | 2,265 |
| Total domestic deposits to total assets | 82.4126% | 4,045 |
| Equity capital to assets | 9.5685% | 4,476 |
| Core capital (leverage) ratio | 9.6841% | 3,929 |
| Tier 1 risk-based capital ratio | 12.4906% | 4,642 |
| Total risk-based capital ratio | 13.5547% | 4,652 |
| Memoranda: | ||
| Average total assets | $366,834,200 | 1,789 |
| Average earning assets | $333,315,800 | 1,820 |
| Average equity | $35,310,000 | 2,019 |
| Average total loans | $245,941,200 | 1,751 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 1,385 |
| Cost of funding earning assets | 0.4970% | 2,238 |
| Net interest margin | 4.0817% | 1,453 |
| Noninterest income to average assets | 0.6820% | 2,319 |
| Noninterest expense to average assets | 3.0620% | 2,331 |
| Loan and lease loss provision to assets | 0.2751% | 581 |
| Net operating income to assets | 0.7824% | 3,512 |
| Return on assets (ROA) | 0.8115% | 3,472 |
| Pretax return on assets | 1.0925% | 3,261 |
| Return on Equity (ROE) | 8.4171% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.4171% | 1,084 |
| Net charge-offs to loans | 0.5476% | 421 |
| Credit loss provision to net charge-offs | 74.6269% | 2,689 |
| Earnings coverage of net charge-offs (x) | 3.6030% | 3,481 |
| Efficiency ratio | 69.7443% | 3,245 |
| Assets per employee ($millions) | 3.9046% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 3,379 |
| Loan loss allowance to noncurrent loans | 121.8956% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.2934% | 1,810 |
| Noncurrent loans to loans | 1.0244% | 2,429 |
| Net loans and leases to total assets | 67.8976% | 2,694 |
| Net loans and leases to deposits | 79.9064% | 2,897 |
| Net loans and leases to core deposits | 92.0550% | 2,257 |
| Total domestic deposits to total assets | 84.9715% | 3,027 |
| Equity capital to assets | 9.6897% | 4,528 |
| Core capital (leverage) ratio | 9.5577% | 4,224 |
| Tier 1 risk-based capital ratio | 12.2934% | 4,894 |
| Total risk-based capital ratio | 13.3926% | 4,906 |
| Memoranda: | ||
| Average total assets | $363,455,000 | 1,810 |
| Average earning assets | $330,216,750 | 1,847 |
| Average equity | $35,039,000 | 2,053 |
| Average total loans | $244,694,500 | 1,769 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 1,347 |
| Cost of funding earning assets | 0.4931% | 2,314 |
| Net interest margin | 4.0774% | 1,420 |
| Noninterest income to average assets | 0.6862% | 2,272 |
| Noninterest expense to average assets | 3.0354% | 2,441 |
| Loan and lease loss provision to assets | 0.3313% | 415 |
| Net operating income to assets | 0.7713% | 3,533 |
| Return on assets (ROA) | 0.7713% | 3,634 |
| Pretax return on assets | 1.0263% | 3,475 |
| Return on Equity (ROE) | 8.0140% | 3,044 |
| Retained earnings to average equity (ytd only) | 8.0140% | 1,264 |
| Net charge-offs to loans | 0.7822% | 283 |
| Credit loss provision to net charge-offs | 63.3580% | 2,558 |
| Earnings coverage of net charge-offs (x) | 2.5966% | 3,317 |
| Efficiency ratio | 69.0964% | 3,471 |
| Assets per employee ($millions) | 3.8542% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 3,497 |
| Loan loss allowance to noncurrent loans | 113.5908% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.4734% | 1,683 |
| Noncurrent loans to loans | 1.1024% | 2,450 |
| Net loans and leases to total assets | 65.8832% | 2,971 |
| Net loans and leases to deposits | 78.4550% | 2,973 |
| Net loans and leases to core deposits | 90.0250% | 2,348 |
| Total domestic deposits to total assets | 83.9757% | 3,574 |
| Equity capital to assets | 9.6119% | 4,513 |
| Core capital (leverage) ratio | 9.4859% | 4,304 |
| Tier 1 risk-based capital ratio | 12.0866% | 5,083 |
| Total risk-based capital ratio | 13.1441% | 5,118 |
| Memoranda: | ||
| Average total assets | $362,263,670 | 1,829 |
| Average earning assets | $329,329,670 | 1,866 |
| Average equity | $34,864,000 | 2,065 |
| Average total loans | $242,141,000 | 1,797 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 1,327 |
| Cost of funding earning assets | 0.4875% | 2,402 |
| Net interest margin | 4.0660% | 1,367 |
| Noninterest income to average assets | 0.7149% | 2,096 |
| Noninterest expense to average assets | 3.0251% | 2,498 |
| Loan and lease loss provision to assets | 0.4163% | 271 |
| Net operating income to assets | 0.7460% | 3,560 |
| Return on assets (ROA) | 0.7460% | 3,691 |
| Pretax return on assets | 0.9769% | 3,572 |
| Return on Equity (ROE) | 7.7466% | 3,098 |
| Retained earnings to average equity (ytd only) | 7.7466% | 1,665 |
| Net charge-offs to loans | 1.1333% | 204 |
| Credit loss provision to net charge-offs | 54.9048% | 2,058 |
| Earnings coverage of net charge-offs (x) | 1.8375% | 2,862 |
| Efficiency ratio | 68.4673% | 3,746 |
| Assets per employee ($millions) | 3.8649% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 3,525 |
| Loan loss allowance to noncurrent loans | 89.0486% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.6265% | 1,569 |
| Noncurrent loans to loans | 1.4361% | 1,987 |
| Net loans and leases to total assets | 65.8303% | 2,809 |
| Net loans and leases to deposits | 77.7362% | 2,839 |
| Net loans and leases to core deposits | 89.0820% | 2,217 |
| Total domestic deposits to total assets | 84.6842% | 3,546 |
| Equity capital to assets | 9.6631% | 4,561 |
| Core capital (leverage) ratio | 9.4805% | 4,307 |
| Tier 1 risk-based capital ratio | 11.9897% | 5,243 |
| Total risk-based capital ratio | 13.0718% | 5,255 |
| Memoranda: | ||
| Average total assets | $360,320,000 | 1,840 |
| Average earning assets | $328,181,000 | 1,878 |
| Average equity | $34,699,000 | 2,084 |
| Average total loans | $241,066,000 | 1,802 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7134% | 1,270 |
| Cost of funding earning assets | 0.5421% | 2,271 |
| Net interest margin | 4.1713% | 1,385 |
| Noninterest income to average assets | 0.7689% | 1,996 |
| Noninterest expense to average assets | 2.9793% | 2,907 |
| Loan and lease loss provision to assets | 0.5691% | 251 |
| Net operating income to assets | 0.8579% | 3,071 |
| Return on assets (ROA) | 0.9012% | 2,954 |
| Pretax return on assets | 1.0785% | 3,171 |
| Return on Equity (ROE) | 9.1249% | 2,526 |
| Retained earnings to average equity (ytd only) | 7.0260% | 1,398 |
| Net charge-offs to loans | 0.6341% | 615 |
| Credit loss provision to net charge-offs | 129.0476% | 1,852 |
| Earnings coverage of net charge-offs (x) | 3.6190% | 3,845 |
| Efficiency ratio | 65.1170% | 4,388 |
| Assets per employee ($millions) | 3.8841% | 4,199 |
| Cash dividends to net income (ytd only)* | 23.0027% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 2,855 |
| Loan loss allowance to noncurrent loans | 69.8953% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 1.7913% | 1,464 |
| Noncurrent loans to loans | 2.0315% | 1,361 |
| Net loans and leases to total assets | 66.1740% | 2,855 |
| Net loans and leases to deposits | 79.7808% | 2,744 |
| Net loans and leases to core deposits | 91.7403% | 2,123 |
| Total domestic deposits to total assets | 82.9449% | 4,098 |
| Equity capital to assets | 9.5964% | 4,593 |
| Core capital (leverage) ratio | 9.6089% | 4,084 |
| Tier 1 risk-based capital ratio | 12.0469% | 5,327 |
| Total risk-based capital ratio | 13.2652% | 5,260 |
| Memoranda: | ||
| Average total assets | $333,333,400 | 1,945 |
| Average earning assets | $304,173,800 | 1,975 |
| Average equity | $32,920,800 | 2,115 |
| Average total loans | $231,810,400 | 1,813 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7717% | 1,156 |
| Cost of funding earning assets | 0.5531% | 2,258 |
| Net interest margin | 4.2186% | 1,229 |
| Noninterest income to average assets | 0.7890% | 1,935 |
| Noninterest expense to average assets | 3.0374% | 2,681 |
| Loan and lease loss provision to assets | 0.6538% | 196 |
| Net operating income to assets | 0.7229% | 3,825 |
| Return on assets (ROA) | 0.7609% | 3,714 |
| Pretax return on assets | 0.9931% | 3,620 |
| Return on Equity (ROE) | 7.6450% | 3,384 |
| Retained earnings to average equity (ytd only) | 7.6450% | 1,513 |
| Net charge-offs to loans | 0.2478% | 1,555 |
| Credit loss provision to net charge-offs | 375.8782% | 746 |
| Earnings coverage of net charge-offs (x) | 9.1850% | 2,701 |
| Efficiency ratio | 65.5330% | 4,291 |
| Assets per employee ($millions) | 3.7700% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7918% | 1,711 |
| Loan loss allowance to noncurrent loans | 63.4850% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 2.2867% | 1,194 |
| Noncurrent loans to loans | 2.8224% | 981 |
| Net loans and leases to total assets | 66.4138% | 2,785 |
| Net loans and leases to deposits | 77.5581% | 2,999 |
| Net loans and leases to core deposits | 89.1926% | 2,299 |
| Total domestic deposits to total assets | 85.6310% | 3,052 |
| Equity capital to assets | 9.8038% | 4,418 |
| Core capital (leverage) ratio | 9.7528% | 3,992 |
| Tier 1 risk-based capital ratio | 12.3886% | 5,236 |
| Total risk-based capital ratio | 13.6424% | 5,163 |
| Memoranda: | ||
| Average total assets | $327,331,500 | 1,996 |
| Average earning assets | $298,419,000 | 2,017 |
| Average equity | $32,578,000 | 2,139 |
| Average total loans | $229,794,750 | 1,833 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8010% | 1,063 |
| Cost of funding earning assets | 0.5617% | 2,243 |
| Net interest margin | 4.2393% | 1,153 |
| Noninterest income to average assets | 0.7774% | 1,928 |
| Noninterest expense to average assets | 3.0340% | 2,715 |
| Loan and lease loss provision to assets | 0.9501% | 112 |
| Net operating income to assets | 0.5347% | 4,672 |
| Return on assets (ROA) | 0.5800% | 4,553 |
| Pretax return on assets | 0.7054% | 4,621 |
| Return on Equity (ROE) | 5.7966% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.7966% | 2,447 |
| Net charge-offs to loans | 0.2750% | 1,442 |
| Credit loss provision to net charge-offs | 485.7143% | 606 |
| Earnings coverage of net charge-offs (x) | 8.1810% | 2,526 |
| Efficiency ratio | 65.4697% | 4,450 |
| Assets per employee ($millions) | 3.7513% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 1,802 |
| Loan loss allowance to noncurrent loans | 61.8128% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 2.3822% | 1,220 |
| Noncurrent loans to loans | 2.9402% | 1,004 |
| Net loans and leases to total assets | 68.6356% | 2,303 |
| Net loans and leases to deposits | 79.1574% | 2,633 |
| Net loans and leases to core deposits | 93.2510% | 1,843 |
| Total domestic deposits to total assets | 86.7078% | 2,625 |
| Equity capital to assets | 10.0142% | 4,087 |
| Core capital (leverage) ratio | 10.1974% | 3,342 |
| Tier 1 risk-based capital ratio | 12.3339% | 5,341 |
| Total risk-based capital ratio | 13.5880% | 5,257 |
| Memoranda: | ||
| Average total assets | $322,084,670 | 2,026 |
| Average earning assets | $293,021,670 | 2,053 |
| Average equity | $32,226,000 | 2,150 |
| Average total loans | $229,058,330 | 1,833 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8465% | 955 |
| Cost of funding earning assets | 0.5746% | 2,206 |
| Net interest margin | 4.2719% | 1,060 |
| Noninterest income to average assets | 0.7734% | 1,859 |
| Noninterest expense to average assets | 3.0496% | 2,699 |
| Loan and lease loss provision to assets | 1.6411% | 50 |
| Net operating income to assets | 0.1107% | 6,005 |
| Return on assets (ROA) | 0.1107% | 6,038 |
| Pretax return on assets | -0.0465% | 6,247 |
| Return on Equity (ROE) | 1.1066% | 6,016 |
| Retained earnings to average equity (ytd only) | 1.1066% | 5,161 |
| Net charge-offs to loans | 0.4978% | 736 |
| Credit loss provision to net charge-offs | 459.5070% | 584 |
| Earnings coverage of net charge-offs (x) | 4.4648% | 2,523 |
| Efficiency ratio | 65.6648% | 4,582 |
| Assets per employee ($millions) | 3.5579% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 2,197 |
| Loan loss allowance to noncurrent loans | 51.9278% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 2.7601% | 1,088 |
| Noncurrent loans to loans | 3.3715% | 893 |
| Net loans and leases to total assets | 70.1028% | 1,869 |
| Net loans and leases to deposits | 81.0015% | 2,165 |
| Net loans and leases to core deposits | 91.3095% | 1,793 |
| Total domestic deposits to total assets | 86.5451% | 3,083 |
| Equity capital to assets | 9.9975% | 3,847 |
| Core capital (leverage) ratio | 10.0709% | 3,468 |
| Tier 1 risk-based capital ratio | 12.3501% | 5,409 |
| Total risk-based capital ratio | 13.6039% | 5,339 |
| Memoranda: | ||
| Average total assets | $318,072,000 | 2,056 |
| Average earning assets | $288,209,000 | 2,091 |
| Average equity | $31,810,000 | 2,167 |
| Average total loans | $228,204,000 | 1,835 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9342% | 1,030 |
| Cost of funding earning assets | 0.6916% | 1,878 |
| Net interest margin | 4.2426% | 1,241 |
| Noninterest income to average assets | 0.6997% | 2,544 |
| Noninterest expense to average assets | 3.0479% | 2,907 |
| Loan and lease loss provision to assets | 0.3539% | 889 |
| Net operating income to assets | 0.9003% | 2,777 |
| Return on assets (ROA) | 0.9021% | 2,851 |
| Pretax return on assets | 1.1466% | 2,780 |
| Return on Equity (ROE) | 8.9381% | 2,563 |
| Retained earnings to average equity (ytd only) | 7.1562% | 1,378 |
| Net charge-offs to loans | 0.3875% | 1,741 |
| Credit loss provision to net charge-offs | 133.1719% | 1,768 |
| Earnings coverage of net charge-offs (x) | 5.6380% | 3,251 |
| Efficiency ratio | 67.0441% | 4,364 |
| Assets per employee ($millions) | 3.4718% | 4,956 |
| Cash dividends to net income (ytd only)* | 19.9358% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 4,109 |
| Loan loss allowance to noncurrent loans | 67.0946% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 1.7494% | 2,118 |
| Noncurrent loans to loans | 1.9480% | 2,048 |
| Net loans and leases to total assets | 71.2024% | 1,809 |
| Net loans and leases to deposits | 83.4695% | 2,002 |
| Net loans and leases to core deposits | 94.1175% | 1,594 |
| Total domestic deposits to total assets | 85.3035% | 3,594 |
| Equity capital to assets | 10.0043% | 3,766 |
| Core capital (leverage) ratio | 10.1843% | 3,315 |
| Tier 1 risk-based capital ratio | 12.4868% | 5,298 |
| Total risk-based capital ratio | 13.6421% | 5,300 |
| Memoranda: | ||
| Average total assets | $310,841,200 | 2,074 |
| Average earning assets | $281,810,200 | 2,100 |
| Average equity | $31,371,200 | 2,162 |
| Average total loans | $213,180,400 | 1,907 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9139% | 1,094 |
| Cost of funding earning assets | 0.7201% | 1,808 |
| Net interest margin | 4.1938% | 1,357 |
| Noninterest income to average assets | 0.7270% | 2,476 |
| Noninterest expense to average assets | 3.0446% | 2,839 |
| Loan and lease loss provision to assets | 0.2907% | 1,182 |
| Net operating income to assets | 0.8801% | 2,934 |
| Return on assets (ROA) | 0.8808% | 3,044 |
| Pretax return on assets | 1.1926% | 2,737 |
| Return on Equity (ROE) | 8.7078% | 2,787 |
| Retained earnings to average equity (ytd only) | 8.7078% | 1,155 |
| Net charge-offs to loans | 0.3889% | 1,650 |
| Credit loss provision to net charge-offs | 110.4746% | 2,137 |
| Earnings coverage of net charge-offs (x) | 5.6334% | 3,142 |
| Efficiency ratio | 67.2534% | 4,244 |
| Assets per employee ($millions) | 3.3408% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 4,540 |
| Loan loss allowance to noncurrent loans | 97.9137% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.4310% | 2,810 |
| Noncurrent loans to loans | 1.2970% | 3,237 |
| Net loans and leases to total assets | 69.2876% | 2,085 |
| Net loans and leases to deposits | 80.6139% | 2,321 |
| Net loans and leases to core deposits | 90.7024% | 1,901 |
| Total domestic deposits to total assets | 85.9499% | 3,285 |
| Equity capital to assets | 10.1299% | 3,730 |
| Core capital (leverage) ratio | 10.2867% | 3,264 |
| Tier 1 risk-based capital ratio | 12.8562% | 5,219 |
| Total risk-based capital ratio | 13.9665% | 5,261 |
| Memoranda: | ||
| Average total assets | $309,568,250 | 2,090 |
| Average earning assets | $280,503,000 | 2,117 |
| Average equity | $31,312,250 | 2,188 |
| Average total loans | $209,492,750 | 1,938 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 1,134 |
| Cost of funding earning assets | 0.7526% | 1,692 |
| Net interest margin | 4.1301% | 1,464 |
| Noninterest income to average assets | 0.7038% | 2,616 |
| Noninterest expense to average assets | 3.0454% | 2,857 |
| Loan and lease loss provision to assets | 0.2911% | 1,246 |
| Net operating income to assets | 0.8186% | 3,203 |
| Return on assets (ROA) | 0.8196% | 3,353 |
| Pretax return on assets | 1.1029% | 3,086 |
| Return on Equity (ROE) | 8.1066% | 3,038 |
| Retained earnings to average equity (ytd only) | 8.1066% | 1,440 |
| Net charge-offs to loans | 0.4007% | 1,612 |
| Credit loss provision to net charge-offs | 108.6957% | 2,042 |
| Earnings coverage of net charge-offs (x) | 5.2005% | 2,946 |
| Efficiency ratio | 68.6197% | 4,077 |
| Assets per employee ($millions) | 3.4622% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 4,421 |
| Loan loss allowance to noncurrent loans | 84.2138% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.4597% | 2,917 |
| Noncurrent loans to loans | 1.5631% | 2,964 |
| Net loans and leases to total assets | 65.2447% | 2,720 |
| Net loans and leases to deposits | 76.9497% | 2,732 |
| Net loans and leases to core deposits | 86.6560% | 2,266 |
| Total domestic deposits to total assets | 84.7888% | 4,000 |
| Equity capital to assets | 9.8958% | 4,063 |
| Core capital (leverage) ratio | 10.1369% | 3,310 |
| Tier 1 risk-based capital ratio | 12.9271% | 5,198 |
| Total risk-based capital ratio | 14.0518% | 5,219 |
| Memoranda: | ||
| Average total assets | $309,192,670 | 2,092 |
| Average earning assets | $279,560,670 | 2,132 |
| Average equity | $31,258,670 | 2,199 |
| Average total loans | $206,643,000 | 1,962 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9667% | 960 |
| Cost of funding earning assets | 0.7787% | 1,648 |
| Net interest margin | 4.1881% | 1,223 |
| Noninterest income to average assets | 0.6922% | 2,633 |
| Noninterest expense to average assets | 3.2078% | 2,327 |
| Loan and lease loss provision to assets | 0.2939% | 1,194 |
| Net operating income to assets | 0.7347% | 3,511 |
| Return on assets (ROA) | 0.7366% | 3,637 |
| Pretax return on assets | 0.9796% | 3,440 |
| Return on Equity (ROE) | 7.2079% | 3,377 |
| Retained earnings to average equity (ytd only) | 7.2079% | 2,066 |
| Net charge-offs to loans | 0.2585% | 1,923 |
| Credit loss provision to net charge-offs | 169.1729% | 1,242 |
| Earnings coverage of net charge-offs (x) | 7.3158% | 2,085 |
| Efficiency ratio | 71.6244% | 3,682 |
| Assets per employee ($millions) | 3.2770% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 4,398 |
| Loan loss allowance to noncurrent loans | 78.4132% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.6328% | 2,819 |
| Noncurrent loans to loans | 1.7409% | 2,942 |
| Net loans and leases to total assets | 64.9174% | 2,548 |
| Net loans and leases to deposits | 76.8033% | 2,512 |
| Net loans and leases to core deposits | 86.7038% | 2,042 |
| Total domestic deposits to total assets | 84.5243% | 4,255 |
| Equity capital to assets | 10.1168% | 3,993 |
| Core capital (leverage) ratio | 10.0378% | 3,326 |
| Tier 1 risk-based capital ratio | 12.8296% | 5,357 |
| Total risk-based capital ratio | 13.9948% | 5,356 |
| Memoranda: | ||
| Average total assets | $306,257,500 | 2,144 |
| Average earning assets | $276,882,000 | 2,172 |
| Average equity | $31,299,000 | 2,222 |
| Average total loans | $205,812,500 | 1,977 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2821% | 959 |
| Cost of funding earning assets | 0.8437% | 2,339 |
| Net interest margin | 4.4383% | 1,069 |
| Noninterest income to average assets | 0.6780% | 2,842 |
| Noninterest expense to average assets | 3.2035% | 2,600 |
| Loan and lease loss provision to assets | 0.3431% | 1,955 |
| Net operating income to assets | 0.8771% | 2,924 |
| Return on assets (ROA) | 0.8904% | 3,101 |
| Pretax return on assets | 1.1518% | 2,980 |
| Return on Equity (ROE) | 8.7187% | 2,779 |
| Retained earnings to average equity (ytd only) | 7.1036% | 1,522 |
| Net charge-offs to loans | 0.3980% | 2,665 |
| Credit loss provision to net charge-offs | 128.5533% | 2,190 |
| Earnings coverage of net charge-offs (x) | 5.5368% | 3,013 |
| Efficiency ratio | 68.4344% | 4,066 |
| Assets per employee ($millions) | 3.3843% | 5,248 |
| Cash dividends to net income (ytd only)* | 18.5242% | 3,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 4,594 |
| Loan loss allowance to noncurrent loans | 87.9675% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.4406% | 3,228 |
| Noncurrent loans to loans | 1.4874% | 3,371 |
| Net loans and leases to total assets | 67.7375% | 2,231 |
| Net loans and leases to deposits | 80.6526% | 2,197 |
| Net loans and leases to core deposits | 89.9090% | 1,844 |
| Total domestic deposits to total assets | 83.9868% | 4,319 |
| Equity capital to assets | 10.3263% | 3,723 |
| Core capital (leverage) ratio | 10.0902% | 3,287 |
| Tier 1 risk-based capital ratio | 12.6101% | 5,392 |
| Total risk-based capital ratio | 13.7385% | 5,440 |
| Memoranda: | ||
| Average total assets | $295,273,400 | 2,170 |
| Average earning assets | $266,316,600 | 2,185 |
| Average equity | $30,153,600 | 2,239 |
| Average total loans | $197,976,600 | 2,021 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3148% | 984 |
| Cost of funding earning assets | 0.8560% | 2,491 |
| Net interest margin | 4.4588% | 1,076 |
| Noninterest income to average assets | 0.6313% | 3,102 |
| Noninterest expense to average assets | 3.2512% | 2,421 |
| Loan and lease loss provision to assets | 0.3917% | 1,637 |
| Net operating income to assets | 0.7553% | 3,672 |
| Return on assets (ROA) | 0.7529% | 3,935 |
| Pretax return on assets | 1.0039% | 3,690 |
| Return on Equity (ROE) | 7.3938% | 3,586 |
| Retained earnings to average equity (ytd only) | 7.3938% | 1,900 |
| Net charge-offs to loans | 0.4747% | 2,197 |
| Credit loss provision to net charge-offs | 123.8164% | 2,334 |
| Earnings coverage of net charge-offs (x) | 4.4218% | 3,308 |
| Efficiency ratio | 69.9200% | 3,699 |
| Assets per employee ($millions) | 3.3266% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 4,697 |
| Loan loss allowance to noncurrent loans | 119.9456% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.2402% | 3,814 |
| Noncurrent loans to loans | 1.1053% | 4,209 |
| Net loans and leases to total assets | 66.5187% | 2,557 |
| Net loans and leases to deposits | 79.3551% | 2,493 |
| Net loans and leases to core deposits | 88.6523% | 2,142 |
| Total domestic deposits to total assets | 83.8241% | 4,309 |
| Equity capital to assets | 10.4094% | 3,947 |
| Core capital (leverage) ratio | 10.0763% | 3,436 |
| Tier 1 risk-based capital ratio | 12.8437% | 5,376 |
| Total risk-based capital ratio | 13.9864% | 5,412 |
| Memoranda: | ||
| Average total assets | $293,791,500 | 2,202 |
| Average earning assets | $264,788,000 | 2,228 |
| Average equity | $29,916,250 | 2,273 |
| Average total loans | $195,788,000 | 2,067 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3400% | 974 |
| Cost of funding earning assets | 0.8737% | 2,621 |
| Net interest margin | 4.4663% | 1,052 |
| Noninterest income to average assets | 0.6218% | 3,119 |
| Noninterest expense to average assets | 3.1921% | 2,616 |
| Loan and lease loss provision to assets | 0.4436% | 1,458 |
| Net operating income to assets | 0.7487% | 3,610 |
| Return on assets (ROA) | 0.7487% | 3,886 |
| Pretax return on assets | 1.0054% | 3,688 |
| Return on Equity (ROE) | 7.4083% | 3,560 |
| Retained earnings to average equity (ytd only) | 7.4083% | 1,912 |
| Net charge-offs to loans | 0.2262% | 3,223 |
| Credit loss provision to net charge-offs | 295.4545% | 992 |
| Earnings coverage of net charge-offs (x) | 9.6500% | 2,146 |
| Efficiency ratio | 68.7794% | 3,977 |
| Assets per employee ($millions) | 3.2465% | 5,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 4,037 |
| Loan loss allowance to noncurrent loans | 134.3490% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 1.4396% | 3,549 |
| Noncurrent loans to loans | 1.1115% | 4,298 |
| Net loans and leases to total assets | 64.9774% | 2,846 |
| Net loans and leases to deposits | 77.4444% | 2,762 |
| Net loans and leases to core deposits | 87.0326% | 2,309 |
| Total domestic deposits to total assets | 83.9020% | 4,352 |
| Equity capital to assets | 10.2838% | 3,958 |
| Core capital (leverage) ratio | 10.0450% | 3,359 |
| Tier 1 risk-based capital ratio | 13.0086% | 5,183 |
| Total risk-based capital ratio | 14.2631% | 5,150 |
| Memoranda: | ||
| Average total assets | $293,032,000 | 2,205 |
| Average earning assets | $263,709,670 | 2,233 |
| Average equity | $29,615,330 | 2,282 |
| Average total loans | $194,521,330 | 2,076 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3587% | 990 |
| Cost of funding earning assets | 0.8924% | 2,751 |
| Net interest margin | 4.4664% | 1,076 |
| Noninterest income to average assets | 0.5044% | 3,884 |
| Noninterest expense to average assets | 3.1717% | 2,692 |
| Loan and lease loss provision to assets | 0.6168% | 915 |
| Net operating income to assets | 0.5812% | 4,436 |
| Return on assets (ROA) | 0.5812% | 4,659 |
| Pretax return on assets | 0.7360% | 4,666 |
| Return on Equity (ROE) | 5.8019% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.8019% | 3,073 |
| Net charge-offs to loans | 0.2758% | 2,568 |
| Credit loss provision to net charge-offs | 335.8209% | 893 |
| Earnings coverage of net charge-offs (x) | 7.3657% | 2,087 |
| Efficiency ratio | 70.1000% | 3,788 |
| Assets per employee ($millions) | 3.2267% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 4,400 |
| Loan loss allowance to noncurrent loans | 115.4895% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.6847% | 3,333 |
| Noncurrent loans to loans | 1.2513% | 4,242 |
| Net loans and leases to total assets | 64.2320% | 2,810 |
| Net loans and leases to deposits | 75.8598% | 2,816 |
| Net loans and leases to core deposits | 84.9181% | 2,420 |
| Total domestic deposits to total assets | 84.6720% | 4,173 |
| Equity capital to assets | 9.9170% | 4,233 |
| Core capital (leverage) ratio | 10.3184% | 2,972 |
| Tier 1 risk-based capital ratio | 12.7093% | 5,432 |
| Total risk-based capital ratio | 13.9339% | 5,425 |
| Memoranda: | ||
| Average total assets | $291,830,500 | 2,231 |
| Average earning assets | $262,674,500 | 2,253 |
| Average equity | $29,232,000 | 2,311 |
| Average total loans | $194,344,000 | 2,086 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5164% | 1,129 |
| Cost of funding earning assets | 1.1411% | 2,406 |
| Net interest margin | 4.3753% | 1,464 |
| Noninterest income to average assets | 0.7745% | 2,205 |
| Noninterest expense to average assets | 3.0649% | 3,337 |
| Loan and lease loss provision to assets | 0.6108% | 1,692 |
| Net operating income to assets | 0.8216% | 2,947 |
| Return on assets (ROA) | 0.8022% | 3,195 |
| Pretax return on assets | 1.0334% | 3,109 |
| Return on Equity (ROE) | 8.4465% | 2,694 |
| Retained earnings to average equity (ytd only) | 7.0072% | 1,499 |
| Net charge-offs to loans | 1.0741% | 1,607 |
| Credit loss provision to net charge-offs | 83.2547% | 4,318 |
| Earnings coverage of net charge-offs (x) | 2.2750% | 4,084 |
| Efficiency ratio | 64.7416% | 4,997 |
| Assets per employee ($millions) | 3.1175% | 5,865 |
| Cash dividends to net income (ytd only)* | 17.0406% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 5,064 |
| Loan loss allowance to noncurrent loans | 163.4146% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 1.7210% | 3,372 |
| Noncurrent loans to loans | 0.7771% | 5,129 |
| Net loans and leases to total assets | 67.2012% | 2,541 |
| Net loans and leases to deposits | 79.9447% | 2,530 |
| Net loans and leases to core deposits | 90.5966% | 2,039 |
| Total domestic deposits to total assets | 84.0596% | 4,296 |
| Equity capital to assets | 10.1201% | 4,010 |
| Core capital (leverage) ratio | 9.9862% | 3,353 |
| Tier 1 risk-based capital ratio | 12.7817% | 5,253 |
| Total risk-based capital ratio | 13.8873% | 5,332 |
| Memoranda: | ||
| Average total assets | $288,953,600 | 2,200 |
| Average earning assets | $261,492,200 | 2,227 |
| Average equity | $27,443,200 | 2,362 |
| Average total loans | $197,383,200 | 2,062 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4979% | 1,252 |
| Cost of funding earning assets | 1.1883% | 2,397 |
| Net interest margin | 4.3097% | 1,684 |
| Noninterest income to average assets | 0.7447% | 2,344 |
| Noninterest expense to average assets | 3.1075% | 3,132 |
| Loan and lease loss provision to assets | 0.6126% | 1,609 |
| Net operating income to assets | 0.7088% | 3,571 |
| Return on assets (ROA) | 0.6766% | 3,909 |
| Pretax return on assets | 0.8894% | 3,810 |
| Return on Equity (ROE) | 7.2413% | 3,406 |
| Retained earnings to average equity (ytd only) | 6.0090% | 2,550 |
| Net charge-offs to loans | 0.9882% | 1,631 |
| Credit loss provision to net charge-offs | 90.6612% | 3,750 |
| Earnings coverage of net charge-offs (x) | 2.2856% | 3,988 |
| Efficiency ratio | 66.8020% | 4,566 |
| Assets per employee ($millions) | 3.1880% | 5,710 |
| Cash dividends to net income (ytd only)* | 17.0186% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 4,643 |
| Loan loss allowance to noncurrent loans | 59.6111% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 2.2536% | 2,836 |
| Noncurrent loans to loans | 2.3120% | 2,991 |
| Net loans and leases to total assets | 67.2872% | 2,614 |
| Net loans and leases to deposits | 79.6118% | 2,700 |
| Net loans and leases to core deposits | 91.1757% | 2,093 |
| Total domestic deposits to total assets | 84.5191% | 3,998 |
| Equity capital to assets | 9.9780% | 4,373 |
| Core capital (leverage) ratio | 9.7234% | 3,813 |
| Tier 1 risk-based capital ratio | 12.6563% | 5,360 |
| Total risk-based capital ratio | 13.8614% | 5,377 |
| Memoranda: | ||
| Average total assets | $289,490,500 | 2,214 |
| Average earning assets | $262,443,000 | 2,229 |
| Average equity | $27,047,750 | 2,394 |
| Average total loans | $197,925,000 | 2,078 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4466% | 1,422 |
| Cost of funding earning assets | 1.2310% | 2,374 |
| Net interest margin | 4.2156% | 1,973 |
| Noninterest income to average assets | 0.7260% | 2,399 |
| Noninterest expense to average assets | 3.0474% | 3,442 |
| Loan and lease loss provision to assets | 0.7336% | 1,270 |
| Net operating income to assets | 0.6087% | 4,020 |
| Return on assets (ROA) | 0.5586% | 4,394 |
| Pretax return on assets | 0.7054% | 4,367 |
| Return on Equity (ROE) | 6.1160% | 3,909 |
| Retained earnings to average equity (ytd only) | 6.1160% | 2,353 |
| Net charge-offs to loans | 1.1719% | 1,336 |
| Credit loss provision to net charge-offs | 91.4948% | 3,416 |
| Earnings coverage of net charge-offs (x) | 1.8737% | 3,927 |
| Efficiency ratio | 66.9796% | 4,702 |
| Assets per employee ($millions) | 3.3479% | 5,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 4,642 |
| Loan loss allowance to noncurrent loans | 57.7215% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 2.2983% | 2,860 |
| Noncurrent loans to loans | 2.4006% | 2,991 |
| Net loans and leases to total assets | 66.0916% | 3,010 |
| Net loans and leases to deposits | 78.4625% | 3,045 |
| Net loans and leases to core deposits | 90.4267% | 2,315 |
| Total domestic deposits to total assets | 84.2333% | 4,245 |
| Equity capital to assets | 9.4245% | 4,931 |
| Core capital (leverage) ratio | 9.7487% | 3,600 |
| Tier 1 risk-based capital ratio | 12.4083% | 5,430 |
| Total risk-based capital ratio | 13.6242% | 5,436 |
| Memoranda: | ||
| Average total assets | $290,347,000 | 2,215 |
| Average earning assets | $263,357,000 | 2,229 |
| Average equity | $26,520,670 | 2,423 |
| Average total loans | $198,647,000 | 2,097 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4620% | 1,400 |
| Cost of funding earning assets | 1.2761% | 2,333 |
| Net interest margin | 4.1859% | 1,941 |
| Noninterest income to average assets | 0.7009% | 2,574 |
| Noninterest expense to average assets | 3.0228% | 3,545 |
| Loan and lease loss provision to assets | 0.8882% | 911 |
| Net operating income to assets | 0.5151% | 4,432 |
| Return on assets (ROA) | 0.3955% | 5,064 |
| Pretax return on assets | 0.4538% | 5,174 |
| Return on Equity (ROE) | 4.4019% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.4019% | 3,535 |
| Net charge-offs to loans | 1.9152% | 668 |
| Credit loss provision to net charge-offs | 67.0860% | 3,404 |
| Earnings coverage of net charge-offs (x) | 1.1174% | 3,829 |
| Efficiency ratio | 67.1393% | 4,820 |
| Assets per employee ($millions) | 3.2703% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 5,294 |
| Loan loss allowance to noncurrent loans | 50.9194% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 2.5588% | 2,670 |
| Noncurrent loans to loans | 2.4943% | 2,995 |
| Net loans and leases to total assets | 68.0679% | 2,537 |
| Net loans and leases to deposits | 79.0408% | 2,884 |
| Net loans and leases to core deposits | 90.9175% | 2,250 |
| Total domestic deposits to total assets | 86.1175% | 3,452 |
| Equity capital to assets | 9.1537% | 4,951 |
| Core capital (leverage) ratio | 9.6170% | 3,639 |
| Tier 1 risk-based capital ratio | 12.1954% | 5,515 |
| Total risk-based capital ratio | 13.3175% | 5,623 |
| Memoranda: | ||
| Average total assets | $288,213,500 | 2,249 |
| Average earning assets | $261,734,500 | 2,253 |
| Average equity | $25,898,000 | 2,460 |
| Average total loans | $199,245,000 | 2,114 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4983% | 2,290 |
| Cost of funding earning assets | 1.6771% | 1,699 |
| Net interest margin | 3.8212% | 3,862 |
| Noninterest income to average assets | 0.7548% | 2,518 |
| Noninterest expense to average assets | 2.8169% | 4,535 |
| Loan and lease loss provision to assets | 0.6427% | 2,564 |
| Net operating income to assets | 0.6202% | 3,582 |
| Return on assets (ROA) | 0.6194% | 3,753 |
| Pretax return on assets | 0.7884% | 3,675 |
| Return on Equity (ROE) | 7.0847% | 3,075 |
| Retained earnings to average equity (ytd only) | 7.0847% | 1,284 |
| Net charge-offs to loans | 0.9414% | 2,298 |
| Credit loss provision to net charge-offs | 96.8492% | 4,795 |
| Earnings coverage of net charge-offs (x) | 2.1581% | 4,099 |
| Efficiency ratio | 66.2956% | 4,921 |
| Assets per employee ($millions) | 3.5200% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 4,441 |
| Loan loss allowance to noncurrent loans | 43.2362% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 3.1136% | 2,269 |
| Noncurrent loans to loans | 3.2772% | 2,317 |
| Net loans and leases to total assets | 68.3358% | 2,899 |
| Net loans and leases to deposits | 79.3053% | 3,290 |
| Net loans and leases to core deposits | 91.1892% | 2,592 |
| Total domestic deposits to total assets | 86.1679% | 3,271 |
| Equity capital to assets | 8.8182% | 5,403 |
| Core capital (leverage) ratio | 9.3364% | 3,953 |
| Tier 1 risk-based capital ratio | 12.1169% | 5,365 |
| Total risk-based capital ratio | 13.3711% | 5,345 |
| Memoranda: | ||
| Average total assets | $291,735,000 | 2,201 |
| Average earning assets | $266,772,600 | 2,207 |
| Average equity | $25,505,800 | 2,504 |
| Average total loans | $205,642,000 | 2,107 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4915% | 2,459 |
| Cost of funding earning assets | 1.7497% | 1,626 |
| Net interest margin | 3.7417% | 4,226 |
| Noninterest income to average assets | 0.7644% | 2,423 |
| Noninterest expense to average assets | 2.7960% | 4,503 |
| Loan and lease loss provision to assets | 0.7521% | 2,038 |
| Net operating income to assets | 0.5187% | 4,221 |
| Return on assets (ROA) | 0.5041% | 4,490 |
| Pretax return on assets | 0.6263% | 4,506 |
| Return on Equity (ROE) | 5.7786% | 3,912 |
| Retained earnings to average equity (ytd only) | 5.7786% | 2,488 |
| Net charge-offs to loans | 0.9647% | 2,070 |
| Credit loss provision to net charge-offs | 110.1469% | 3,844 |
| Earnings coverage of net charge-offs (x) | 2.0454% | 4,192 |
| Efficiency ratio | 66.6884% | 4,714 |
| Assets per employee ($millions) | 3.7334% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 4,067 |
| Loan loss allowance to noncurrent loans | 55.1157% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 2.5803% | 2,796 |
| Noncurrent loans to loans | 2.6792% | 2,952 |
| Net loans and leases to total assets | 69.8575% | 2,762 |
| Net loans and leases to deposits | 81.1189% | 3,244 |
| Net loans and leases to core deposits | 94.5324% | 2,450 |
| Total domestic deposits to total assets | 86.1174% | 3,019 |
| Equity capital to assets | 9.0661% | 5,492 |
| Core capital (leverage) ratio | 9.0008% | 4,692 |
| Tier 1 risk-based capital ratio | 11.6909% | 5,736 |
| Total risk-based capital ratio | 12.9462% | 5,707 |
| Memoranda: | ||
| Average total assets | $292,508,500 | 2,228 |
| Average earning assets | $267,997,000 | 2,232 |
| Average equity | $25,519,000 | 2,539 |
| Average total loans | $207,032,500 | 2,122 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5415% | 2,362 |
| Cost of funding earning assets | 1.7944% | 1,663 |
| Net interest margin | 3.7471% | 4,147 |
| Noninterest income to average assets | 0.7940% | 2,150 |
| Noninterest expense to average assets | 2.7896% | 4,532 |
| Loan and lease loss provision to assets | 0.6657% | 2,170 |
| Net operating income to assets | 0.5971% | 3,894 |
| Return on assets (ROA) | 0.6220% | 3,908 |
| Pretax return on assets | 0.8131% | 3,835 |
| Return on Equity (ROE) | 7.2230% | 3,207 |
| Retained earnings to average equity (ytd only) | 7.2230% | 1,745 |
| Net charge-offs to loans | 1.0269% | 1,816 |
| Credit loss provision to net charge-offs | 91.6353% | 4,377 |
| Earnings coverage of net charge-offs (x) | 1.9906% | 4,033 |
| Efficiency ratio | 65.8607% | 5,005 |
| Assets per employee ($millions) | 3.6205% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 4,635 |
| Loan loss allowance to noncurrent loans | 75.9470% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.6350% | 3,984 |
| Noncurrent loans to loans | 1.7876% | 4,017 |
| Net loans and leases to total assets | 67.8693% | 3,396 |
| Net loans and leases to deposits | 78.1040% | 3,946 |
| Net loans and leases to core deposits | 90.1526% | 3,233 |
| Total domestic deposits to total assets | 86.8961% | 2,586 |
| Equity capital to assets | 8.5638% | 6,081 |
| Core capital (leverage) ratio | 8.9058% | 4,743 |
| Tier 1 risk-based capital ratio | 11.5958% | 5,677 |
| Total risk-based capital ratio | 12.8232% | 5,666 |
| Memoranda: | ||
| Average total assets | $292,942,330 | 2,246 |
| Average earning assets | $269,060,330 | 2,238 |
| Average equity | $25,225,000 | 2,569 |
| Average total loans | $207,217,000 | 2,151 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5073% | 2,548 |
| Cost of funding earning assets | 1.8634% | 1,594 |
| Net interest margin | 3.6439% | 4,522 |
| Noninterest income to average assets | 0.8604% | 1,768 |
| Noninterest expense to average assets | 2.7043% | 4,889 |
| Loan and lease loss provision to assets | 0.6916% | 1,841 |
| Net operating income to assets | 0.6211% | 3,797 |
| Return on assets (ROA) | 0.6211% | 3,931 |
| Pretax return on assets | 0.8106% | 3,819 |
| Return on Equity (ROE) | 7.1925% | 3,247 |
| Retained earnings to average equity (ytd only) | 7.1925% | 2,050 |
| Net charge-offs to loans | 0.6440% | 2,217 |
| Credit loss provision to net charge-offs | 149.7006% | 2,388 |
| Earnings coverage of net charge-offs (x) | 3.2515% | 2,967 |
| Efficiency ratio | 64.2881% | 5,439 |
| Assets per employee ($millions) | 3.8329% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 3,876 |
| Loan loss allowance to noncurrent loans | 55.4590% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 2.1679% | 3,313 |
| Noncurrent loans to loans | 2.7172% | 2,944 |
| Net loans and leases to total assets | 67.8349% | 3,429 |
| Net loans and leases to deposits | 78.1297% | 4,018 |
| Net loans and leases to core deposits | 89.7485% | 3,395 |
| Total domestic deposits to total assets | 86.8234% | 2,722 |
| Equity capital to assets | 8.5871% | 5,888 |
| Core capital (leverage) ratio | 9.0445% | 4,487 |
| Tier 1 risk-based capital ratio | 11.5828% | 5,594 |
| Total risk-based capital ratio | 12.8383% | 5,562 |
| Memoranda: | ||
| Average total assets | $289,164,500 | 2,317 |
| Average earning assets | $265,539,000 | 2,311 |
| Average equity | $24,970,500 | 2,612 |
| Average total loans | $207,449,000 | 2,199 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9824% | 1,935 |
| Cost of funding earning assets | 2.1977% | 2,046 |
| Net interest margin | 3.7847% | 3,776 |
| Noninterest income to average assets | 0.5574% | 3,964 |
| Noninterest expense to average assets | 2.7914% | 5,010 |
| Loan and lease loss provision to assets | 0.8793% | 2,552 |
| Net operating income to assets | 0.3492% | 4,323 |
| Return on assets (ROA) | 0.1725% | 5,063 |
| Pretax return on assets | 0.1811% | 5,047 |
| Return on Equity (ROE) | 2.0987% | 4,865 |
| Retained earnings to average equity (ytd only) | 1.5004% | 4,019 |
| Net charge-offs to loans | 0.6278% | 3,323 |
| Credit loss provision to net charge-offs | 181.7826% | 2,273 |
| Earnings coverage of net charge-offs (x) | 2.5770% | 3,826 |
| Efficiency ratio | 69.1299% | 4,798 |
| Assets per employee ($millions) | 3.7263% | 4,457 |
| Cash dividends to net income (ytd only)* | 28.5088% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 4,395 |
| Loan loss allowance to noncurrent loans | 46.6044% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 2.4290% | 2,866 |
| Noncurrent loans to loans | 2.9362% | 2,624 |
| Net loans and leases to total assets | 73.7072% | 2,335 |
| Net loans and leases to deposits | 84.9012% | 3,103 |
| Net loans and leases to core deposits | 123.7472% | 1,655 |
| Total domestic deposits to total assets | 86.8153% | 2,599 |
| Equity capital to assets | 8.6858% | 5,611 |
| Core capital (leverage) ratio | 9.1237% | 4,238 |
| Tier 1 risk-based capital ratio | 11.2277% | 5,684 |
| Total risk-based capital ratio | 12.4822% | 5,634 |
| Memoranda: | ||
| Average total assets | $264,423,400 | 2,476 |
| Average earning assets | $243,161,600 | 2,474 |
| Average equity | $21,727,600 | 2,981 |
| Average total loans | $203,736,800 | 2,266 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0603% | 1,797 |
| Cost of funding earning assets | 2.2604% | 2,149 |
| Net interest margin | 3.7999% | 3,659 |
| Noninterest income to average assets | 0.5005% | 4,473 |
| Noninterest expense to average assets | 2.8716% | 4,563 |
| Loan and lease loss provision to assets | 1.1935% | 1,629 |
| Net operating income to assets | -0.0273% | 5,757 |
| Return on assets (ROA) | -0.1889% | 6,055 |
| Pretax return on assets | -0.3213% | 6,121 |
| Return on Equity (ROE) | -2.3353% | 6,144 |
| Retained earnings to average equity (ytd only) | -2.3353% | 5,786 |
| Net charge-offs to loans | 0.7071% | 2,581 |
| Credit loss provision to net charge-offs | 217.2897% | 2,021 |
| Earnings coverage of net charge-offs (x) | 2.0477% | 4,284 |
| Efficiency ratio | 71.8561% | 4,269 |
| Assets per employee ($millions) | 3.8289% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 3,602 |
| Loan loss allowance to noncurrent loans | 112.4955% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 1.2543% | 4,554 |
| Noncurrent loans to loans | 1.3056% | 4,756 |
| Net loans and leases to total assets | 74.5455% | 2,361 |
| Net loans and leases to deposits | 85.8842% | 3,338 |
| Net loans and leases to core deposits | 125.5140% | 1,772 |
| Total domestic deposits to total assets | 86.7976% | 2,285 |
| Equity capital to assets | 8.9911% | 5,490 |
| Core capital (leverage) ratio | 9.1414% | 4,430 |
| Tier 1 risk-based capital ratio | 11.1333% | 5,830 |
| Total risk-based capital ratio | 12.3894% | 5,768 |
| Memoranda: | ||
| Average total assets | $259,729,500 | 2,530 |
| Average earning assets | $238,946,750 | 2,529 |
| Average equity | $21,010,000 | 3,100 |
| Average total loans | $201,762,500 | 2,302 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1414% | 1,644 |
| Cost of funding earning assets | 2.3304% | 2,234 |
| Net interest margin | 3.8111% | 3,512 |
| Noninterest income to average assets | 0.3769% | 5,491 |
| Noninterest expense to average assets | 2.9573% | 4,265 |
| Loan and lease loss provision to assets | 0.9481% | 1,783 |
| Net operating income to assets | -0.0236% | 5,886 |
| Return on assets (ROA) | -0.3073% | 6,347 |
| Pretax return on assets | -0.4195% | 6,344 |
| Return on Equity (ROE) | -3.9620% | 6,478 |
| Retained earnings to average equity (ytd only) | -3.9620% | 6,133 |
| Net charge-offs to loans | 0.8090% | 2,067 |
| Credit loss provision to net charge-offs | 149.4396% | 3,095 |
| Earnings coverage of net charge-offs (x) | 1.4458% | 4,448 |
| Efficiency ratio | 76.3254% | 3,635 |
| Assets per employee ($millions) | 3.6556% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 5,696 |
| Loan loss allowance to noncurrent loans | 97.6532% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.1934% | 4,556 |
| Noncurrent loans to loans | 1.1110% | 4,997 |
| Net loans and leases to total assets | 77.8363% | 1,786 |
| Net loans and leases to deposits | 90.9804% | 2,660 |
| Net loans and leases to core deposits | 133.0748% | 1,367 |
| Total domestic deposits to total assets | 85.5529% | 2,995 |
| Equity capital to assets | 7.3336% | 7,394 |
| Core capital (leverage) ratio | 7.4957% | 7,022 |
| Tier 1 risk-based capital ratio | 9.5899% | 7,320 |
| Total risk-based capital ratio | 10.6223% | 7,469 |
| Memoranda: | ||
| Average total assets | $253,136,000 | 2,603 |
| Average earning assets | $232,324,000 | 2,600 |
| Average equity | $19,636,330 | 3,301 |
| Average total loans | $198,527,330 | 2,368 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1333% | 1,817 |
| Cost of funding earning assets | 2.4495% | 2,105 |
| Net interest margin | 3.6839% | 3,969 |
| Noninterest income to average assets | 0.7787% | 2,434 |
| Noninterest expense to average assets | 2.8472% | 4,348 |
| Loan and lease loss provision to assets | 1.3301% | 965 |
| Net operating income to assets | 0.0887% | 6,014 |
| Return on assets (ROA) | 0.1145% | 6,100 |
| Pretax return on assets | 0.0097% | 6,357 |
| Return on Equity (ROE) | 1.4341% | 5,995 |
| Retained earnings to average equity (ytd only) | 1.4341% | 5,051 |
| Net charge-offs to loans | 1.3077% | 1,076 |
| Credit loss provision to net charge-offs | 129.9213% | 3,087 |
| Earnings coverage of net charge-offs (x) | 1.2835% | 4,098 |
| Efficiency ratio | 68.4231% | 4,887 |
| Assets per employee ($millions) | 3.6137% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 5,891 |
| Loan loss allowance to noncurrent loans | 108.9114% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.9875% | 4,724 |
| Noncurrent loans to loans | 0.9512% | 5,096 |
| Net loans and leases to total assets | 77.0772% | 2,022 |
| Net loans and leases to deposits | 90.3713% | 2,871 |
| Net loans and leases to core deposits | 134.8997% | 1,365 |
| Total domestic deposits to total assets | 85.2895% | 3,069 |
| Equity capital to assets | 7.8862% | 6,965 |
| Core capital (leverage) ratio | 8.5994% | 5,345 |
| Tier 1 risk-based capital ratio | 10.2656% | 6,623 |
| Total risk-based capital ratio | 11.2481% | 6,828 |
| Memoranda: | ||
| Average total assets | $248,103,500 | 2,673 |
| Average earning assets | $227,804,500 | 2,665 |
| Average equity | $19,803,500 | 3,284 |
| Average total loans | $194,234,500 | 2,430 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9311% | 1,309 |
| Cost of funding earning assets | 3.0285% | 1,762 |
| Net interest margin | 3.9026% | 3,551 |
| Noninterest income to average assets | 0.8967% | 1,969 |
| Noninterest expense to average assets | 3.0974% | 3,701 |
| Loan and lease loss provision to assets | 0.4264% | 3,149 |
| Net operating income to assets | 0.7207% | 3,800 |
| Return on assets (ROA) | 0.7639% | 3,443 |
| Pretax return on assets | 0.9993% | 3,387 |
| Return on Equity (ROE) | 9.4564% | 2,454 |
| Retained earnings to average equity (ytd only) | 7.3232% | 1,047 |
| Net charge-offs to loans | 0.3229% | 3,239 |
| Credit loss provision to net charge-offs | 179.7753% | 2,806 |
| Earnings coverage of net charge-offs (x) | 5.7715% | 3,542 |
| Efficiency ratio | 69.3516% | 4,467 |
| Assets per employee ($millions) | 3.4749% | 4,735 |
| Cash dividends to net income (ytd only)* | 22.5581% | 4,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 6,283 |
| Loan loss allowance to noncurrent loans | 82.0479% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 4,312 |
| Noncurrent loans to loans | 1.1784% | 4,163 |
| Net loans and leases to total assets | 77.9465% | 2,158 |
| Net loans and leases to deposits | 92.7820% | 3,000 |
| Net loans and leases to core deposits | 140.4171% | 1,243 |
| Total domestic deposits to total assets | 84.0104% | 3,316 |
| Equity capital to assets | 8.0816% | 6,731 |
| Core capital (leverage) ratio | 8.7684% | 5,085 |
| Tier 1 risk-based capital ratio | 10.3369% | 6,379 |
| Total risk-based capital ratio | 11.2374% | 6,631 |
| Memoranda: | ||
| Average total assets | $225,157,200 | 2,828 |
| Average earning assets | $205,940,600 | 2,823 |
| Average equity | $18,188,800 | 3,528 |
| Average total loans | $165,389,800 | 2,693 |