Home > Citizens' Bank & Trust Co. > Performance and Condition Ratios
Citizens' Bank & Trust Co., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3464% | 2,414 |
| Cost of funding earning assets | 1.7555% | 2,571 |
| Net interest margin | 3.5909% | 2,105 |
| Noninterest income to average assets | 0.4900% | 1,794 |
| Noninterest expense to average assets | 2.0680% | 3,414 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.3306% | 1,417 |
| Return on assets (ROA) | 1.3306% | 1,411 |
| Pretax return on assets | 1.7187% | 1,085 |
| Return on Equity (ROE) | 12.6700% | 1,568 |
| Retained earnings to average equity (ytd only) | 12.6692% | 675 |
| Net charge-offs to loans | 0.5545% | 251 |
| Credit loss provision to net charge-offs | 37.0892% | 1,603 |
| Earnings coverage of net charge-offs (x) | 5.5962% | 1,896 |
| Efficiency ratio | 53.7536% | 3,618 |
| Assets per employee ($millions) | 5.9913% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,276 |
| Loan loss allowance to noncurrent loans | 787.5000% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 2,993 |
| Noncurrent loans to loans | 0.1788% | 2,857 |
| Net loans and leases to total assets | 56.4500% | 3,172 |
| Net loans and leases to deposits | 63.5179% | 3,292 |
| Net loans and leases to core deposits | 70.4969% | 3,269 |
| Total domestic deposits to total assets | 88.8700% | 1,233 |
| Equity capital to assets | 10.7420% | 1,796 |
| Core capital (leverage) ratio | 12.0189% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $535,985,500 | 1,701 |
| Average earning assets | $501,271,000 | 1,679 |
| Average equity | $56,294,000 | 1,621 |
| Average total loans | $307,320,500 | 1,850 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2399% | 2,649 |
| Cost of funding earning assets | 1.7534% | 2,843 |
| Net interest margin | 3.4865% | 2,109 |
| Noninterest income to average assets | 0.5400% | 1,745 |
| Noninterest expense to average assets | 1.9890% | 3,625 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 1.3491% | 1,182 |
| Return on assets (ROA) | 1.3491% | 1,175 |
| Pretax return on assets | 1.7205% | 941 |
| Return on Equity (ROE) | 13.1200% | 1,331 |
| Retained earnings to average equity (ytd only) | 3.9174% | 2,665 |
| Net charge-offs to loans | 0.2740% | 550 |
| Credit loss provision to net charge-offs | 71.7364% | 2,187 |
| Earnings coverage of net charge-offs (x) | 12.0482% | 2,178 |
| Efficiency ratio | 52.5080% | 3,850 |
| Assets per employee ($millions) | 5.7285% | 3,096 |
| Cash dividends to net income (ytd only)* | 70.1361% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 984 |
| Loan loss allowance to noncurrent loans | 363.9590% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3788% | 1,780 |
| Noncurrent loans to loans | 0.4145% | 2,037 |
| Net loans and leases to total assets | 56.5500% | 3,221 |
| Net loans and leases to deposits | 63.2729% | 3,374 |
| Net loans and leases to core deposits | 71.2607% | 3,291 |
| Total domestic deposits to total assets | 89.3800% | 1,030 |
| Equity capital to assets | 10.2609% | 1,991 |
| Core capital (leverage) ratio | 11.7441% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $528,406,800 | 1,706 |
| Average earning assets | $492,696,200 | 1,695 |
| Average equity | $54,347,400 | 1,622 |
| Average total loans | $287,911,800 | 1,900 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1826% | 2,696 |
| Cost of funding earning assets | 1.7043% | 2,946 |
| Net interest margin | 3.4783% | 2,079 |
| Noninterest income to average assets | 0.5300% | 1,766 |
| Noninterest expense to average assets | 1.9641% | 3,641 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 1.3494% | 1,216 |
| Return on assets (ROA) | 1.3494% | 1,213 |
| Pretax return on assets | 1.7163% | 987 |
| Return on Equity (ROE) | 13.1100% | 1,335 |
| Retained earnings to average equity (ytd only) | 6.9702% | 1,752 |
| Net charge-offs to loans | 0.0828% | 1,097 |
| Credit loss provision to net charge-offs | 227.8409% | 1,006 |
| Earnings coverage of net charge-offs (x) | 40.5852% | 1,330 |
| Efficiency ratio | 52.0958% | 3,859 |
| Assets per employee ($millions) | 5.9453% | 2,912 |
| Cash dividends to net income (ytd only)* | 46.8428% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7752% | 569 |
| Loan loss allowance to noncurrent loans | 209.1285% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 1,510 |
| Noncurrent loans to loans | 0.8489% | 1,180 |
| Net loans and leases to total assets | 52.9400% | 3,494 |
| Net loans and leases to deposits | 59.7604% | 3,604 |
| Net loans and leases to core deposits | 67.1368% | 3,523 |
| Total domestic deposits to total assets | 88.5900% | 1,055 |
| Equity capital to assets | 10.9373% | 1,766 |
| Core capital (leverage) ratio | 11.9345% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $527,320,250 | 1,704 |
| Average earning assets | $491,372,000 | 1,694 |
| Average equity | $54,268,000 | 1,615 |
| Average total loans | $283,412,500 | 1,907 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 2,719 |
| Cost of funding earning assets | 1.6047% | 3,065 |
| Net interest margin | 3.5123% | 1,936 |
| Noninterest income to average assets | 0.5200% | 1,764 |
| Noninterest expense to average assets | 1.9134% | 3,729 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 1.3913% | 1,094 |
| Return on assets (ROA) | 1.3913% | 1,103 |
| Pretax return on assets | 1.7679% | 893 |
| Return on Equity (ROE) | 13.8100% | 1,191 |
| Retained earnings to average equity (ytd only) | 4.3870% | 2,569 |
| Net charge-offs to loans | 0.0629% | 1,139 |
| Credit loss provision to net charge-offs | 373.0337% | 732 |
| Earnings coverage of net charge-offs (x) | 55.4045% | 1,054 |
| Efficiency ratio | 50.5416% | 3,981 |
| Assets per employee ($millions) | 6.0900% | 2,723 |
| Cash dividends to net income (ytd only)* | 68.2314% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7709% | 590 |
| Loan loss allowance to noncurrent loans | 239.6698% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 1,617 |
| Noncurrent loans to loans | 0.7389% | 1,258 |
| Net loans and leases to total assets | 52.5900% | 3,499 |
| Net loans and leases to deposits | 58.7140% | 3,637 |
| Net loans and leases to core deposits | 66.1191% | 3,541 |
| Total domestic deposits to total assets | 89.5700% | 823 |
| Equity capital to assets | 9.9493% | 2,104 |
| Core capital (leverage) ratio | 11.6197% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $526,715,667 | 1,699 |
| Average earning assets | $490,052,667 | 1,692 |
| Average equity | $53,066,333 | 1,622 |
| Average total loans | $282,814,000 | 1,900 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 2,844 |
| Cost of funding earning assets | 1.5509% | 3,078 |
| Net interest margin | 3.4169% | 2,061 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 1.8816% | 3,813 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 1.3499% | 1,149 |
| Return on assets (ROA) | 1.3499% | 1,158 |
| Pretax return on assets | 1.7230% | 927 |
| Return on Equity (ROE) | 13.3100% | 1,275 |
| Retained earnings to average equity (ytd only) | 13.3133% | 568 |
| Net charge-offs to loans | 0.0456% | 1,071 |
| Credit loss provision to net charge-offs | 268.7500% | 702 |
| Earnings coverage of net charge-offs (x) | 73.4063% | 807 |
| Efficiency ratio | 51.1134% | 3,965 |
| Assets per employee ($millions) | 5.9401% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7395% | 609 |
| Loan loss allowance to noncurrent loans | 204.9352% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 1,374 |
| Noncurrent loans to loans | 0.8488% | 1,041 |
| Net loans and leases to total assets | 52.9500% | 3,422 |
| Net loans and leases to deposits | 59.3145% | 3,554 |
| Net loans and leases to core deposits | 64.9623% | 3,563 |
| Total domestic deposits to total assets | 89.2700% | 1,028 |
| Equity capital to assets | 10.2486% | 1,865 |
| Core capital (leverage) ratio | 11.9745% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $522,115,500 | 1,712 |
| Average earning assets | $486,170,500 | 1,703 |
| Average equity | $52,939,500 | 1,620 |
| Average total loans | $280,766,500 | 1,912 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7104% | 2,657 |
| Cost of funding earning assets | 1.1978% | 2,808 |
| Net interest margin | 3.5127% | 2,154 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 1.8759% | 3,884 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.4521% | 1,119 |
| Return on assets (ROA) | 1.4521% | 1,085 |
| Pretax return on assets | 1.8570% | 817 |
| Return on Equity (ROE) | 15.1400% | 1,260 |
| Retained earnings to average equity (ytd only) | 5.1765% | 2,543 |
| Net charge-offs to loans | 0.1284% | 765 |
| Credit loss provision to net charge-offs | 79.3003% | 2,029 |
| Earnings coverage of net charge-offs (x) | 29.1895% | 1,649 |
| Efficiency ratio | 49.5057% | 4,014 |
| Assets per employee ($millions) | 5.9261% | 2,882 |
| Cash dividends to net income (ytd only)* | 65.8068% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7288% | 617 |
| Loan loss allowance to noncurrent loans | 404.8536% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 2,071 |
| Noncurrent loans to loans | 0.4270% | 1,712 |
| Net loans and leases to total assets | 52.7300% | 3,436 |
| Net loans and leases to deposits | 58.8481% | 3,589 |
| Net loans and leases to core deposits | 63.1911% | 3,630 |
| Total domestic deposits to total assets | 89.6100% | 872 |
| Equity capital to assets | 10.0300% | 1,988 |
| Core capital (leverage) ratio | 11.7103% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $523,258,400 | 1,679 |
| Average earning assets | $487,322,600 | 1,672 |
| Average equity | $50,188,400 | 1,606 |
| Average total loans | $267,138,600 | 1,926 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6240% | 2,624 |
| Cost of funding earning assets | 1.1141% | 2,703 |
| Net interest margin | 3.5099% | 2,189 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 1.8522% | 3,879 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.4568% | 1,207 |
| Return on assets (ROA) | 1.4568% | 1,187 |
| Pretax return on assets | 1.8733% | 898 |
| Return on Equity (ROE) | 15.3600% | 1,384 |
| Retained earnings to average equity (ytd only) | 9.4563% | 1,561 |
| Net charge-offs to loans | 0.1167% | 692 |
| Credit loss provision to net charge-offs | 95.2381% | 1,663 |
| Earnings coverage of net charge-offs (x) | 32.9134% | 1,547 |
| Efficiency ratio | 48.8977% | 3,990 |
| Assets per employee ($millions) | 5.8141% | 2,915 |
| Cash dividends to net income (ytd only)* | 38.4481% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 632 |
| Loan loss allowance to noncurrent loans | 368.9655% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 1,995 |
| Noncurrent loans to loans | 0.4744% | 1,636 |
| Net loans and leases to total assets | 52.8200% | 3,435 |
| Net loans and leases to deposits | 58.8199% | 3,568 |
| Net loans and leases to core deposits | 63.2455% | 3,567 |
| Total domestic deposits to total assets | 89.8100% | 987 |
| Equity capital to assets | 9.7384% | 1,968 |
| Core capital (leverage) ratio | 11.9481% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $523,698,500 | 1,677 |
| Average earning assets | $487,786,250 | 1,667 |
| Average equity | $49,659,000 | 1,603 |
| Average total loans | $263,962,000 | 1,943 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 2,605 |
| Cost of funding earning assets | 1.0138% | 2,561 |
| Net interest margin | 3.5033% | 2,258 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 1.8612% | 3,893 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.4515% | 1,210 |
| Return on assets (ROA) | 1.4515% | 1,195 |
| Pretax return on assets | 1.8752% | 896 |
| Return on Equity (ROE) | 15.4400% | 1,379 |
| Retained earnings to average equity (ytd only) | 6.5721% | 2,429 |
| Net charge-offs to loans | 0.1199% | 604 |
| Credit loss provision to net charge-offs | 107.0513% | 1,394 |
| Earnings coverage of net charge-offs (x) | 32.9038% | 1,507 |
| Efficiency ratio | 48.8949% | 4,004 |
| Assets per employee ($millions) | 5.9479% | 2,755 |
| Cash dividends to net income (ytd only)* | 57.4413% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 648 |
| Loan loss allowance to noncurrent loans | 298.5705% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 1,689 |
| Noncurrent loans to loans | 0.5954% | 1,256 |
| Net loans and leases to total assets | 50.7100% | 3,510 |
| Net loans and leases to deposits | 56.2682% | 3,628 |
| Net loans and leases to core deposits | 60.3753% | 3,609 |
| Total domestic deposits to total assets | 90.1300% | 891 |
| Equity capital to assets | 9.4447% | 2,191 |
| Core capital (leverage) ratio | 11.2994% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $527,717,000 | 1,670 |
| Average earning assets | $492,390,000 | 1,656 |
| Average equity | $49,603,333 | 1,606 |
| Average total loans | $260,254,333 | 1,956 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3888% | 2,578 |
| Cost of funding earning assets | 0.9009% | 2,371 |
| Net interest margin | 3.4880% | 2,399 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 1.8903% | 3,868 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.4419% | 1,303 |
| Return on assets (ROA) | 1.4419% | 1,277 |
| Pretax return on assets | 1.8790% | 940 |
| Return on Equity (ROE) | 15.3800% | 1,480 |
| Retained earnings to average equity (ytd only) | 15.3761% | 750 |
| Net charge-offs to loans | 0.0925% | 623 |
| Credit loss provision to net charge-offs | 67.7966% | 1,249 |
| Earnings coverage of net charge-offs (x) | 42.8644% | 1,162 |
| Efficiency ratio | 49.7516% | 3,959 |
| Assets per employee ($millions) | 5.9459% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0436% | 404 |
| Loan loss allowance to noncurrent loans | 351.8862% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2855% | 1,728 |
| Noncurrent loans to loans | 0.5808% | 1,280 |
| Net loans and leases to total assets | 48.1600% | 3,618 |
| Net loans and leases to deposits | 53.5746% | 3,709 |
| Net loans and leases to core deposits | 57.2516% | 3,674 |
| Total domestic deposits to total assets | 89.8900% | 1,195 |
| Equity capital to assets | 9.6602% | 2,029 |
| Core capital (leverage) ratio | 11.3610% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $529,867,500 | 1,682 |
| Average earning assets | $495,530,500 | 1,667 |
| Average equity | $49,687,500 | 1,619 |
| Average total loans | $255,262,500 | 1,999 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4197% | 3,295 |
| Cost of funding earning assets | 0.2822% | 3,019 |
| Net interest margin | 3.1375% | 3,070 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 1.7153% | 4,151 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.3347% | 1,327 |
| Return on assets (ROA) | 1.3347% | 1,287 |
| Pretax return on assets | 1.7062% | 907 |
| Return on Equity (ROE) | 14.1100% | 1,506 |
| Retained earnings to average equity (ytd only) | 4.9098% | 3,086 |
| Net charge-offs to loans | 0.1874% | 438 |
| Credit loss provision to net charge-offs | 82.5893% | 1,670 |
| Earnings coverage of net charge-offs (x) | 21.3906% | 1,857 |
| Efficiency ratio | 49.1483% | 4,178 |
| Assets per employee ($millions) | 6.0983% | 2,679 |
| Cash dividends to net income (ytd only)* | 65.2144% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 694 |
| Loan loss allowance to noncurrent loans | 235.7067% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 1,445 |
| Noncurrent loans to loans | 0.7517% | 997 |
| Net loans and leases to total assets | 46.3500% | 3,779 |
| Net loans and leases to deposits | 51.1451% | 3,851 |
| Net loans and leases to core deposits | 54.4056% | 3,792 |
| Total domestic deposits to total assets | 90.6300% | 1,096 |
| Equity capital to assets | 9.0952% | 2,302 |
| Core capital (leverage) ratio | 11.0318% | 1,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $539,975,200 | 1,632 |
| Average earning assets | $509,640,000 | 1,607 |
| Average equity | $51,061,000 | 1,594 |
| Average total loans | $239,014,000 | 2,007 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2029% | 3,427 |
| Cost of funding earning assets | 0.1794% | 3,527 |
| Net interest margin | 3.0235% | 3,156 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 1.6922% | 4,164 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.2843% | 1,409 |
| Return on assets (ROA) | 1.2843% | 1,378 |
| Pretax return on assets | 1.6521% | 996 |
| Return on Equity (ROE) | 13.4600% | 1,575 |
| Retained earnings to average equity (ytd only) | 7.7892% | 2,087 |
| Net charge-offs to loans | 0.2264% | 305 |
| Credit loss provision to net charge-offs | 44.8878% | 1,543 |
| Earnings coverage of net charge-offs (x) | 17.2070% | 1,795 |
| Efficiency ratio | 49.9383% | 4,167 |
| Assets per employee ($millions) | 6.2062% | 2,570 |
| Cash dividends to net income (ytd only)* | 42.1133% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 865 |
| Loan loss allowance to noncurrent loans | 220.7198% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 1,502 |
| Noncurrent loans to loans | 0.7723% | 1,051 |
| Net loans and leases to total assets | 45.8500% | 3,773 |
| Net loans and leases to deposits | 50.4909% | 3,822 |
| Net loans and leases to core deposits | 53.6703% | 3,769 |
| Total domestic deposits to total assets | 90.8000% | 1,318 |
| Equity capital to assets | 8.8850% | 2,296 |
| Core capital (leverage) ratio | 10.9916% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $542,330,500 | 1,637 |
| Average earning assets | $512,772,750 | 1,612 |
| Average equity | $51,762,500 | 1,598 |
| Average total loans | $236,179,500 | 2,019 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9825% | 3,599 |
| Cost of funding earning assets | 0.1651% | 3,376 |
| Net interest margin | 2.8174% | 3,391 |
| Noninterest income to average assets | 0.5211% | 2,081 |
| Noninterest expense to average assets | 1.6832% | 4,164 |
| Loan and lease loss provision to assets | 0.0295% | 2,064 |
| Net operating income to assets | 1.1544% | 1,589 |
| Return on assets (ROA) | 1.1544% | 1,568 |
| Pretax return on assets | 1.4788% | 1,229 |
| Return on Equity (ROE) | 11.8245% | 1,712 |
| Retained earnings to average equity (ytd only) | 3.5266% | 3,263 |
| Net charge-offs to loans | 0.3187% | 218 |
| Credit loss provision to net charge-offs | 21.7391% | 1,599 |
| Earnings coverage of net charge-offs (x) | 11.1304% | 1,739 |
| Efficiency ratio | 52.7403% | 4,071 |
| Assets per employee ($millions) | 6.2000% | 2,563 |
| Cash dividends to net income (ytd only)* | 70.1754% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8008% | 817 |
| Loan loss allowance to noncurrent loans | 205.5447% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 1,476 |
| Noncurrent loans to loans | 0.8761% | 969 |
| Net loans and leases to total assets | 42.7231% | 3,916 |
| Net loans and leases to deposits | 47.1098% | 3,981 |
| Net loans and leases to core deposits | 51.6625% | 3,837 |
| Total domestic deposits to total assets | 90.6883% | 1,386 |
| Equity capital to assets | 9.0438% | 2,360 |
| Core capital (leverage) ratio | 10.4336% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $543,126,667 | 1,646 |
| Average earning assets | $514,808,000 | 1,624 |
| Average equity | $53,025,333 | 1,608 |
| Average total loans | $230,958,000 | 2,048 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8464% | 3,654 |
| Cost of funding earning assets | 0.1658% | 3,283 |
| Net interest margin | 2.6806% | 3,446 |
| Noninterest income to average assets | 0.5123% | 2,085 |
| Noninterest expense to average assets | 1.6874% | 4,152 |
| Loan and lease loss provision to assets | 0.0220% | 1,957 |
| Net operating income to assets | 1.0606% | 1,651 |
| Return on assets (ROA) | 1.0606% | 1,645 |
| Pretax return on assets | 1.3534% | 1,372 |
| Return on Equity (ROE) | 10.4811% | 1,803 |
| Retained earnings to average equity (ytd only) | 10.4811% | 912 |
| Net charge-offs to loans | 0.5884% | 116 |
| Credit loss provision to net charge-offs | 8.9021% | 1,317 |
| Earnings coverage of net charge-offs (x) | 5.5608% | 1,596 |
| Efficiency ratio | 55.0923% | 3,965 |
| Assets per employee ($millions) | 6.3086% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 789 |
| Loan loss allowance to noncurrent loans | 206.1244% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 1,642 |
| Noncurrent loans to loans | 0.9047% | 1,018 |
| Net loans and leases to total assets | 39.8791% | 4,022 |
| Net loans and leases to deposits | 44.6706% | 4,034 |
| Net loans and leases to core deposits | 48.9602% | 3,930 |
| Total domestic deposits to total assets | 89.2736% | 1,942 |
| Equity capital to assets | 9.5833% | 2,220 |
| Core capital (leverage) ratio | 10.4747% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $544,991,500 | 1,652 |
| Average earning assets | $518,541,000 | 1,622 |
| Average equity | $55,147,000 | 1,597 |
| Average total loans | $229,100,500 | 2,050 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4721% | 2,743 |
| Cost of funding earning assets | 0.2164% | 3,299 |
| Net interest margin | 3.2557% | 2,444 |
| Noninterest income to average assets | 0.5888% | 2,211 |
| Noninterest expense to average assets | 1.8921% | 3,938 |
| Loan and lease loss provision to assets | 0.0514% | 2,031 |
| Net operating income to assets | 1.3387% | 1,478 |
| Return on assets (ROA) | 1.3387% | 1,515 |
| Pretax return on assets | 1.7376% | 1,049 |
| Return on Equity (ROE) | 11.6483% | 1,931 |
| Retained earnings to average equity (ytd only) | 3.2125% | 3,545 |
| Net charge-offs to loans | 0.0240% | 1,763 |
| Credit loss provision to net charge-offs | 456.1404% | 845 |
| Earnings coverage of net charge-offs (x) | 158.6316% | 632 |
| Efficiency ratio | 51.4002% | 4,170 |
| Assets per employee ($millions) | 5.6896% | 3,069 |
| Cash dividends to net income (ytd only)* | 72.4209% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9406% | 668 |
| Loan loss allowance to noncurrent loans | 210.9346% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 1,632 |
| Noncurrent loans to loans | 0.9200% | 1,100 |
| Net loans and leases to total assets | 42.6472% | 3,937 |
| Net loans and leases to deposits | 48.3958% | 3,973 |
| Net loans and leases to core deposits | 53.1842% | 3,818 |
| Total domestic deposits to total assets | 88.1218% | 1,980 |
| Equity capital to assets | 10.6749% | 2,027 |
| Core capital (leverage) ratio | 10.5491% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $505,423,600 | 1,686 |
| Average earning assets | $480,054,600 | 1,660 |
| Average equity | $58,085,600 | 1,554 |
| Average total loans | $237,438,800 | 2,002 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 2,726 |
| Cost of funding earning assets | 0.2222% | 3,403 |
| Net interest margin | 3.3140% | 2,376 |
| Noninterest income to average assets | 0.6103% | 2,173 |
| Noninterest expense to average assets | 1.8816% | 3,987 |
| Loan and lease loss provision to assets | 0.0375% | 2,242 |
| Net operating income to assets | 1.4137% | 1,499 |
| Return on assets (ROA) | 1.4137% | 1,560 |
| Pretax return on assets | 1.8374% | 1,074 |
| Return on Equity (ROE) | 12.0704% | 2,019 |
| Retained earnings to average equity (ytd only) | 6.4706% | 2,628 |
| Net charge-offs to loans | 0.0134% | 1,828 |
| Credit loss provision to net charge-offs | 583.3333% | 714 |
| Earnings coverage of net charge-offs (x) | 291.8333% | 447 |
| Efficiency ratio | 50.0891% | 4,214 |
| Assets per employee ($millions) | 5.5617% | 3,133 |
| Cash dividends to net income (ytd only)* | 46.3927% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 850 |
| Loan loss allowance to noncurrent loans | 207.2566% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 1,826 |
| Noncurrent loans to loans | 0.8917% | 1,291 |
| Net loans and leases to total assets | 44.9722% | 3,871 |
| Net loans and leases to deposits | 51.4165% | 3,927 |
| Net loans and leases to core deposits | 55.3900% | 3,822 |
| Total domestic deposits to total assets | 87.4664% | 2,127 |
| Equity capital to assets | 11.2612% | 1,846 |
| Core capital (leverage) ratio | 11.1640% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $498,072,750 | 1,718 |
| Average earning assets | $472,853,750 | 1,694 |
| Average equity | $58,334,000 | 1,569 |
| Average total loans | $238,647,750 | 2,035 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6253% | 2,550 |
| Cost of funding earning assets | 0.2324% | 3,448 |
| Net interest margin | 3.3929% | 2,157 |
| Noninterest income to average assets | 0.6443% | 2,021 |
| Noninterest expense to average assets | 1.8921% | 3,985 |
| Loan and lease loss provision to assets | 0.0572% | 1,887 |
| Net operating income to assets | 1.4732% | 1,365 |
| Return on assets (ROA) | 1.4732% | 1,426 |
| Pretax return on assets | 1.9145% | 986 |
| Return on Equity (ROE) | 12.4084% | 1,909 |
| Retained earnings to average equity (ytd only) | 12.4084% | 829 |
| Net charge-offs to loans | 0.0109% | 1,749 |
| Credit loss provision to net charge-offs | 1,076.9231% | 454 |
| Earnings coverage of net charge-offs (x) | 371.4615% | 325 |
| Efficiency ratio | 48.9697% | 4,327 |
| Assets per employee ($millions) | 5.4255% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8570% | 799 |
| Loan loss allowance to noncurrent loans | 208.8471% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 1,945 |
| Noncurrent loans to loans | 0.8892% | 1,388 |
| Net loans and leases to total assets | 45.9904% | 3,907 |
| Net loans and leases to deposits | 52.8429% | 3,941 |
| Net loans and leases to core deposits | 57.0643% | 3,832 |
| Total domestic deposits to total assets | 87.0323% | 2,300 |
| Equity capital to assets | 11.7079% | 1,514 |
| Core capital (leverage) ratio | 11.4326% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $489,829,333 | 1,736 |
| Average earning assets | $464,792,667 | 1,709 |
| Average equity | $58,154,000 | 1,566 |
| Average total loans | $238,349,333 | 2,046 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7326% | 2,277 |
| Cost of funding earning assets | 0.2421% | 3,548 |
| Net interest margin | 3.4905% | 1,848 |
| Noninterest income to average assets | 0.7521% | 1,702 |
| Noninterest expense to average assets | 1.9285% | 3,918 |
| Loan and lease loss provision to assets | 0.0834% | 1,561 |
| Net operating income to assets | 1.5742% | 1,173 |
| Return on assets (ROA) | 1.5742% | 1,230 |
| Pretax return on assets | 2.0461% | 881 |
| Return on Equity (ROE) | 13.1623% | 1,624 |
| Retained earnings to average equity (ytd only) | 13.1623% | 882 |
| Net charge-offs to loans | 0.0017% | 1,871 |
| Credit loss provision to net charge-offs | 10,000.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 2,554.0000% | 26 |
| Efficiency ratio | 47.5241% | 4,372 |
| Assets per employee ($millions) | 5.3489% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8881% | 754 |
| Loan loss allowance to noncurrent loans | 174.5152% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 1,844 |
| Noncurrent loans to loans | 1.0819% | 1,232 |
| Net loans and leases to total assets | 46.5659% | 3,918 |
| Net loans and leases to deposits | 53.6494% | 3,961 |
| Net loans and leases to core deposits | 58.0858% | 3,827 |
| Total domestic deposits to total assets | 86.7967% | 2,392 |
| Equity capital to assets | 11.7404% | 1,418 |
| Core capital (leverage) ratio | 11.7397% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $479,746,000 | 1,747 |
| Average earning assets | $454,381,000 | 1,730 |
| Average equity | $57,376,000 | 1,577 |
| Average total loans | $238,030,500 | 2,045 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 1,983 |
| Cost of funding earning assets | 0.4431% | 3,323 |
| Net interest margin | 3.8148% | 1,457 |
| Noninterest income to average assets | 0.5419% | 2,458 |
| Noninterest expense to average assets | 2.0543% | 4,032 |
| Loan and lease loss provision to assets | 0.1055% | 3,018 |
| Net operating income to assets | 1.5739% | 676 |
| Return on assets (ROA) | 1.5739% | 736 |
| Pretax return on assets | 2.0005% | 453 |
| Return on Equity (ROE) | 12.3556% | 1,219 |
| Retained earnings to average equity (ytd only) | 3.8050% | 2,912 |
| Net charge-offs to loans | 0.0950% | 1,509 |
| Credit loss provision to net charge-offs | 195.3782% | 2,182 |
| Earnings coverage of net charge-offs (x) | 38.9958% | 1,410 |
| Efficiency ratio | 49.3782% | 4,571 |
| Assets per employee ($millions) | 4.9722% | 3,420 |
| Cash dividends to net income (ytd only)* | 69.2042% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 889 |
| Loan loss allowance to noncurrent loans | 133.0145% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 1,500 |
| Noncurrent loans to loans | 1.3365% | 1,015 |
| Net loans and leases to total assets | 50.9614% | 3,749 |
| Net loans and leases to deposits | 59.0419% | 3,822 |
| Net loans and leases to core deposits | 62.6639% | 3,797 |
| Total domestic deposits to total assets | 86.3140% | 2,228 |
| Equity capital to assets | 12.1905% | 1,481 |
| Core capital (leverage) ratio | 11.8128% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $440,687,800 | 1,734 |
| Average earning assets | $418,006,800 | 1,704 |
| Average equity | $56,136,600 | 1,526 |
| Average total loans | $250,394,800 | 1,916 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 1,829 |
| Cost of funding earning assets | 0.4959% | 3,252 |
| Net interest margin | 3.9133% | 1,321 |
| Noninterest income to average assets | 0.5465% | 2,399 |
| Noninterest expense to average assets | 2.0850% | 3,976 |
| Loan and lease loss provision to assets | 0.1152% | 2,881 |
| Net operating income to assets | 1.6352% | 671 |
| Return on assets (ROA) | 1.6352% | 740 |
| Pretax return on assets | 2.0626% | 454 |
| Return on Equity (ROE) | 12.6901% | 1,195 |
| Retained earnings to average equity (ytd only) | 6.9685% | 1,707 |
| Net charge-offs to loans | 0.0597% | 1,751 |
| Credit loss provision to net charge-offs | 331.8584% | 1,660 |
| Earnings coverage of net charge-offs (x) | 62.7345% | 1,066 |
| Efficiency ratio | 48.9118% | 4,559 |
| Assets per employee ($millions) | 4.7122% | 3,586 |
| Cash dividends to net income (ytd only)* | 45.0874% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7182% | 867 |
| Loan loss allowance to noncurrent loans | 132.8646% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 1,615 |
| Noncurrent loans to loans | 1.2932% | 1,146 |
| Net loans and leases to total assets | 54.9545% | 3,716 |
| Net loans and leases to deposits | 64.2887% | 3,773 |
| Net loans and leases to core deposits | 68.7474% | 3,714 |
| Total domestic deposits to total assets | 85.4808% | 2,252 |
| Equity capital to assets | 12.8172% | 1,267 |
| Core capital (leverage) ratio | 12.1249% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $434,012,500 | 1,724 |
| Average earning assets | $412,152,500 | 1,699 |
| Average equity | $55,926,500 | 1,515 |
| Average total loans | $252,368,750 | 1,908 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 1,708 |
| Cost of funding earning assets | 0.5625% | 3,169 |
| Net interest margin | 4.0125% | 1,288 |
| Noninterest income to average assets | 0.5342% | 2,417 |
| Noninterest expense to average assets | 2.1454% | 3,938 |
| Loan and lease loss provision to assets | 0.0865% | 3,202 |
| Net operating income to assets | 1.6724% | 646 |
| Return on assets (ROA) | 1.6724% | 704 |
| Pretax return on assets | 2.1099% | 431 |
| Return on Equity (ROE) | 12.9540% | 1,109 |
| Retained earnings to average equity (ytd only) | 4.2649% | 2,793 |
| Net charge-offs to loans | 0.0468% | 1,816 |
| Credit loss provision to net charge-offs | 313.5593% | 1,585 |
| Earnings coverage of net charge-offs (x) | 79.6441% | 809 |
| Efficiency ratio | 49.4133% | 4,536 |
| Assets per employee ($millions) | 4.6382% | 3,606 |
| Cash dividends to net income (ytd only)* | 67.0766% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6171% | 967 |
| Loan loss allowance to noncurrent loans | 127.0752% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 1,698 |
| Noncurrent loans to loans | 1.2726% | 1,223 |
| Net loans and leases to total assets | 55.7794% | 3,708 |
| Net loans and leases to deposits | 65.2957% | 3,778 |
| Net loans and leases to core deposits | 70.3154% | 3,679 |
| Total domestic deposits to total assets | 85.4257% | 2,234 |
| Equity capital to assets | 12.2458% | 1,516 |
| Core capital (leverage) ratio | 11.8109% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $427,894,333 | 1,722 |
| Average earning assets | $406,029,000 | 1,688 |
| Average equity | $55,241,667 | 1,520 |
| Average total loans | $252,177,667 | 1,888 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5894% | 2,028 |
| Cost of funding earning assets | 0.6580% | 3,126 |
| Net interest margin | 3.9315% | 1,573 |
| Noninterest income to average assets | 0.6113% | 1,993 |
| Noninterest expense to average assets | 2.2443% | 3,902 |
| Loan and lease loss provision to assets | 0.0437% | 3,231 |
| Net operating income to assets | 1.6320% | 586 |
| Return on assets (ROA) | 1.6320% | 644 |
| Pretax return on assets | 2.0512% | 408 |
| Return on Equity (ROE) | 12.2893% | 1,031 |
| Retained earnings to average equity (ytd only) | 12.2893% | 391 |
| Net charge-offs to loans | 0.0790% | 1,235 |
| Credit loss provision to net charge-offs | 91.8367% | 1,888 |
| Earnings coverage of net charge-offs (x) | 44.0612% | 978 |
| Efficiency ratio | 51.7218% | 4,565 |
| Assets per employee ($millions) | 4.1627% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 949 |
| Loan loss allowance to noncurrent loans | 119.5429% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.8161% | 1,656 |
| Noncurrent loans to loans | 1.3815% | 1,163 |
| Net loans and leases to total assets | 57.7924% | 3,686 |
| Net loans and leases to deposits | 69.4808% | 3,631 |
| Net loans and leases to core deposits | 75.6118% | 3,518 |
| Total domestic deposits to total assets | 83.1775% | 3,050 |
| Equity capital to assets | 13.3078% | 1,302 |
| Core capital (leverage) ratio | 13.2204% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $412,248,500 | 1,733 |
| Average earning assets | $390,897,000 | 1,701 |
| Average equity | $54,747,000 | 1,524 |
| Average total loans | $248,096,000 | 1,877 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 2,328 |
| Cost of funding earning assets | 0.8063% | 2,654 |
| Net interest margin | 3.8934% | 2,200 |
| Noninterest income to average assets | 0.6452% | 2,025 |
| Noninterest expense to average assets | 2.1335% | 4,301 |
| Loan and lease loss provision to assets | 0.0149% | 3,719 |
| Net operating income to assets | 1.7350% | 612 |
| Return on assets (ROA) | 1.7368% | 649 |
| Pretax return on assets | 2.1706% | 403 |
| Return on Equity (ROE) | 13.3559% | 1,061 |
| Retained earnings to average equity (ytd only) | 3.4485% | 3,280 |
| Net charge-offs to loans | 0.1173% | 1,574 |
| Credit loss provision to net charge-offs | 20.8333% | 3,314 |
| Earnings coverage of net charge-offs (x) | 30.5972% | 1,562 |
| Efficiency ratio | 49.4232% | 4,767 |
| Assets per employee ($millions) | 4.1231% | 3,733 |
| Cash dividends to net income (ytd only)* | 74.1797% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 902 |
| Loan loss allowance to noncurrent loans | 114.7513% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8808% | 1,447 |
| Noncurrent loans to loans | 1.4285% | 1,025 |
| Net loans and leases to total assets | 60.6463% | 3,535 |
| Net loans and leases to deposits | 70.9049% | 3,601 |
| Net loans and leases to core deposits | 77.7180% | 3,463 |
| Total domestic deposits to total assets | 85.5318% | 2,274 |
| Equity capital to assets | 13.2513% | 1,390 |
| Core capital (leverage) ratio | 12.8838% | 1,292 |
| Tier 1 risk-based capital ratio | 19.3947% | 1,438 |
| Total risk-based capital ratio | 20.6482% | 1,401 |
| Memoranda: | ||
| Average total assets | $403,616,600 | 1,729 |
| Average earning assets | $380,616,400 | 1,705 |
| Average equity | $52,486,200 | 1,534 |
| Average total loans | $245,514,200 | 1,851 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6869% | 2,458 |
| Cost of funding earning assets | 0.8193% | 2,620 |
| Net interest margin | 3.8677% | 2,375 |
| Noninterest income to average assets | 0.6440% | 2,015 |
| Noninterest expense to average assets | 2.1547% | 4,266 |
| Loan and lease loss provision to assets | 0.0099% | 3,692 |
| Net operating income to assets | 1.7000% | 745 |
| Return on assets (ROA) | 1.7024% | 778 |
| Pretax return on assets | 2.1247% | 517 |
| Return on Equity (ROE) | 13.1538% | 1,218 |
| Retained earnings to average equity (ytd only) | 6.5156% | 2,109 |
| Net charge-offs to loans | 0.1341% | 1,194 |
| Credit loss provision to net charge-offs | 12.1951% | 2,996 |
| Earnings coverage of net charge-offs (x) | 26.2237% | 1,750 |
| Efficiency ratio | 50.2698% | 4,727 |
| Assets per employee ($millions) | 4.0514% | 3,836 |
| Cash dividends to net income (ytd only)* | 50.4659% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 936 |
| Loan loss allowance to noncurrent loans | 107.8178% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.0407% | 1,282 |
| Noncurrent loans to loans | 1.5163% | 995 |
| Net loans and leases to total assets | 61.4429% | 3,547 |
| Net loans and leases to deposits | 72.2342% | 3,601 |
| Net loans and leases to core deposits | 79.9161% | 3,393 |
| Total domestic deposits to total assets | 85.0606% | 2,407 |
| Equity capital to assets | 13.5677% | 1,332 |
| Core capital (leverage) ratio | 13.2623% | 1,229 |
| Tier 1 risk-based capital ratio | 19.2872% | 1,509 |
| Total risk-based capital ratio | 20.5404% | 1,478 |
| Memoranda: | ||
| Average total assets | $403,504,250 | 1,741 |
| Average earning assets | $379,997,250 | 1,720 |
| Average equity | $52,221,750 | 1,542 |
| Average total loans | $244,609,000 | 1,866 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6523% | 2,512 |
| Cost of funding earning assets | 0.8120% | 2,588 |
| Net interest margin | 3.8402% | 2,434 |
| Noninterest income to average assets | 0.6317% | 2,016 |
| Noninterest expense to average assets | 2.1627% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6726% | 763 |
| Return on assets (ROA) | 1.6750% | 792 |
| Pretax return on assets | 2.0816% | 578 |
| Return on Equity (ROE) | 13.1522% | 1,194 |
| Retained earnings to average equity (ytd only) | 3.0531% | 3,694 |
| Net charge-offs to loans | 0.1022% | 1,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 33.8871% | 1,372 |
| Efficiency ratio | 50.9914% | 4,726 |
| Assets per employee ($millions) | 4.0903% | 3,749 |
| Cash dividends to net income (ytd only)* | 76.7868% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7007% | 815 |
| Loan loss allowance to noncurrent loans | 103.5096% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.0871% | 1,255 |
| Noncurrent loans to loans | 1.6430% | 935 |
| Net loans and leases to total assets | 59.7794% | 3,757 |
| Net loans and leases to deposits | 69.8644% | 3,853 |
| Net loans and leases to core deposits | 77.8943% | 3,589 |
| Total domestic deposits to total assets | 85.5649% | 2,237 |
| Equity capital to assets | 12.9304% | 1,617 |
| Core capital (leverage) ratio | 12.6263% | 1,472 |
| Tier 1 risk-based capital ratio | 19.0829% | 1,534 |
| Total risk-based capital ratio | 20.3369% | 1,495 |
| Memoranda: | ||
| Average total assets | $404,308,000 | 1,745 |
| Average earning assets | $380,027,670 | 1,725 |
| Average equity | $51,489,330 | 1,553 |
| Average total loans | $242,632,330 | 1,883 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6042% | 2,518 |
| Cost of funding earning assets | 0.7844% | 2,628 |
| Net interest margin | 3.8198% | 2,448 |
| Noninterest income to average assets | 0.6297% | 1,912 |
| Noninterest expense to average assets | 2.2179% | 4,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6159% | 865 |
| Return on assets (ROA) | 1.6159% | 899 |
| Pretax return on assets | 1.9941% | 649 |
| Return on Equity (ROE) | 12.7865% | 1,289 |
| Retained earnings to average equity (ytd only) | 12.7865% | 491 |
| Net charge-offs to loans | 0.0316% | 1,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 645 |
| Efficiency ratio | 52.6563% | 4,646 |
| Assets per employee ($millions) | 4.1525% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 785 |
| Loan loss allowance to noncurrent loans | 118.1018% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.9708% | 1,443 |
| Noncurrent loans to loans | 1.4767% | 1,094 |
| Net loans and leases to total assets | 58.8335% | 3,802 |
| Net loans and leases to deposits | 68.7185% | 3,864 |
| Net loans and leases to core deposits | 77.8302% | 3,529 |
| Total domestic deposits to total assets | 85.6152% | 2,438 |
| Equity capital to assets | 12.6811% | 1,636 |
| Core capital (leverage) ratio | 13.0319% | 1,260 |
| Tier 1 risk-based capital ratio | 19.3551% | 1,473 |
| Total risk-based capital ratio | 20.6096% | 1,443 |
| Memoranda: | ||
| Average total assets | $403,993,500 | 1,757 |
| Average earning assets | $378,871,000 | 1,738 |
| Average equity | $51,054,000 | 1,553 |
| Average total loans | $240,820,000 | 1,907 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 2,427 |
| Cost of funding earning assets | 0.4649% | 3,580 |
| Net interest margin | 4.0474% | 1,840 |
| Noninterest income to average assets | 0.6622% | 2,004 |
| Noninterest expense to average assets | 2.0994% | 4,564 |
| Loan and lease loss provision to assets | -0.0503% | 5,197 |
| Net operating income to assets | 1.9309% | 414 |
| Return on assets (ROA) | 1.9309% | 409 |
| Pretax return on assets | 2.4357% | 237 |
| Return on Equity (ROE) | 15.5183% | 718 |
| Retained earnings to average equity (ytd only) | 4.1999% | 3,243 |
| Net charge-offs to loans | -0.0924% | 5,133 |
| Credit loss provision to net charge-offs | 90.9091% | 2,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8121% | 5,094 |
| Assets per employee ($millions) | 3.9296% | 3,997 |
| Cash dividends to net income (ytd only)* | 72.9357% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 647 |
| Loan loss allowance to noncurrent loans | 124.3010% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.9638% | 1,419 |
| Noncurrent loans to loans | 1.4731% | 1,042 |
| Net loans and leases to total assets | 58.2459% | 3,938 |
| Net loans and leases to deposits | 67.0875% | 4,043 |
| Net loans and leases to core deposits | 77.1240% | 3,634 |
| Total domestic deposits to total assets | 86.8209% | 1,864 |
| Equity capital to assets | 12.5920% | 1,539 |
| Core capital (leverage) ratio | 12.7487% | 1,344 |
| Tier 1 risk-based capital ratio | 19.6813% | 1,359 |
| Total risk-based capital ratio | 20.9369% | 1,330 |
| Memoranda: | ||
| Average total assets | $397,633,800 | 1,721 |
| Average earning assets | $375,551,800 | 1,698 |
| Average equity | $49,477,200 | 1,529 |
| Average total loans | $238,065,400 | 1,892 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5190% | 2,232 |
| Cost of funding earning assets | 0.3868% | 3,960 |
| Net interest margin | 4.1322% | 1,542 |
| Noninterest income to average assets | 0.6616% | 2,020 |
| Noninterest expense to average assets | 2.1309% | 4,490 |
| Loan and lease loss provision to assets | -0.1005% | 5,349 |
| Net operating income to assets | 1.9814% | 400 |
| Return on assets (ROA) | 1.9814% | 393 |
| Pretax return on assets | 2.5337% | 215 |
| Return on Equity (ROE) | 15.9718% | 700 |
| Retained earnings to average equity (ytd only) | 8.4073% | 1,468 |
| Net charge-offs to loans | -0.1502% | 5,250 |
| Credit loss provision to net charge-offs | 111.5242% | 2,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6882% | 5,117 |
| Assets per employee ($millions) | 3.8712% | 4,078 |
| Cash dividends to net income (ytd only)* | 47.3613% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8007% | 724 |
| Loan loss allowance to noncurrent loans | 301.9844% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 2,883 |
| Noncurrent loans to loans | 0.5963% | 2,595 |
| Net loans and leases to total assets | 58.8467% | 3,964 |
| Net loans and leases to deposits | 68.1688% | 4,048 |
| Net loans and leases to core deposits | 80.2984% | 3,473 |
| Total domestic deposits to total assets | 86.3249% | 2,045 |
| Equity capital to assets | 12.7861% | 1,429 |
| Core capital (leverage) ratio | 13.0518% | 1,259 |
| Tier 1 risk-based capital ratio | 20.0962% | 1,318 |
| Total risk-based capital ratio | 21.3512% | 1,286 |
| Memoranda: | ||
| Average total assets | $397,820,750 | 1,726 |
| Average earning assets | $375,710,250 | 1,699 |
| Average equity | $49,352,500 | 1,542 |
| Average total loans | $238,711,250 | 1,898 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 2,125 |
| Cost of funding earning assets | 0.3364% | 4,158 |
| Net interest margin | 4.1518% | 1,404 |
| Noninterest income to average assets | 0.6590% | 2,050 |
| Noninterest expense to average assets | 2.1374% | 4,522 |
| Loan and lease loss provision to assets | -0.1504% | 5,452 |
| Net operating income to assets | 2.0215% | 368 |
| Return on assets (ROA) | 2.0215% | 365 |
| Pretax return on assets | 2.5957% | 191 |
| Return on Equity (ROE) | 16.4618% | 587 |
| Retained earnings to average equity (ytd only) | 5.0272% | 3,063 |
| Net charge-offs to loans | -0.3007% | 5,389 |
| Credit loss provision to net charge-offs | 83.3333% | 2,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6404% | 5,184 |
| Assets per employee ($millions) | 3.9482% | 3,984 |
| Cash dividends to net income (ytd only)* | 69.4617% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8263% | 718 |
| Loan loss allowance to noncurrent loans | 223.2940% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 2,789 |
| Noncurrent loans to loans | 0.8179% | 2,089 |
| Net loans and leases to total assets | 58.6662% | 3,929 |
| Net loans and leases to deposits | 67.9423% | 4,021 |
| Net loans and leases to core deposits | 78.6161% | 3,527 |
| Total domestic deposits to total assets | 86.3471% | 2,119 |
| Equity capital to assets | 12.2576% | 1,691 |
| Core capital (leverage) ratio | 12.4333% | 1,471 |
| Tier 1 risk-based capital ratio | 19.4983% | 1,431 |
| Total risk-based capital ratio | 20.7540% | 1,390 |
| Memoranda: | ||
| Average total assets | $398,806,000 | 1,735 |
| Average earning assets | $376,894,330 | 1,701 |
| Average equity | $48,974,000 | 1,554 |
| Average total loans | $239,406,330 | 1,891 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4748% | 1,945 |
| Cost of funding earning assets | 0.3248% | 4,174 |
| Net interest margin | 4.1500% | 1,299 |
| Noninterest income to average assets | 0.6650% | 1,980 |
| Noninterest expense to average assets | 2.1212% | 4,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9136% | 439 |
| Return on assets (ROA) | 1.9136% | 439 |
| Pretax return on assets | 2.4652% | 232 |
| Return on Equity (ROE) | 15.5687% | 693 |
| Retained earnings to average equity (ytd only) | 15.5687% | 279 |
| Net charge-offs to loans | -0.6718% | 5,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2497% | 5,266 |
| Assets per employee ($millions) | 4.0495% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9763% | 570 |
| Loan loss allowance to noncurrent loans | 247.2354% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 2,958 |
| Noncurrent loans to loans | 0.7993% | 2,213 |
| Net loans and leases to total assets | 58.0883% | 3,930 |
| Net loans and leases to deposits | 66.9035% | 4,026 |
| Net loans and leases to core deposits | 78.8263% | 3,422 |
| Total domestic deposits to total assets | 86.8241% | 2,193 |
| Equity capital to assets | 12.4034% | 1,547 |
| Core capital (leverage) ratio | 12.6855% | 1,297 |
| Tier 1 risk-based capital ratio | 19.8047% | 1,381 |
| Total risk-based capital ratio | 21.0621% | 1,348 |
| Memoranda: | ||
| Average total assets | $398,826,000 | 1,747 |
| Average earning assets | $376,864,500 | 1,713 |
| Average equity | $49,021,500 | 1,561 |
| Average total loans | $239,963,000 | 1,899 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 2,472 |
| Cost of funding earning assets | 0.2884% | 4,238 |
| Net interest margin | 3.9691% | 1,847 |
| Noninterest income to average assets | 0.6529% | 2,184 |
| Noninterest expense to average assets | 2.0712% | 4,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4100% | 995 |
| Return on assets (ROA) | 1.4095% | 1,014 |
| Pretax return on assets | 2.3196% | 257 |
| Return on Equity (ROE) | 11.4540% | 1,351 |
| Retained earnings to average equity (ytd only) | 2.4189% | 3,885 |
| Net charge-offs to loans | 0.0314% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 122.4400% | 551 |
| Efficiency ratio | 47.1634% | 5,350 |
| Assets per employee ($millions) | 3.9283% | 4,078 |
| Cash dividends to net income (ytd only)* | 78.8813% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7709% | 825 |
| Loan loss allowance to noncurrent loans | 213.3201% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 2,835 |
| Noncurrent loans to loans | 0.8302% | 2,145 |
| Net loans and leases to total assets | 60.0029% | 3,833 |
| Net loans and leases to deposits | 68.7843% | 3,963 |
| Net loans and leases to core deposits | 81.3421% | 3,305 |
| Total domestic deposits to total assets | 87.2334% | 1,883 |
| Equity capital to assets | 12.1783% | 1,714 |
| Core capital (leverage) ratio | 12.2393% | 1,477 |
| Tier 1 risk-based capital ratio | 18.8647% | 1,537 |
| Total risk-based capital ratio | 20.1201% | 1,504 |
| Memoranda: | ||
| Average total assets | $395,751,800 | 1,719 |
| Average earning assets | $372,780,400 | 1,692 |
| Average equity | $48,699,200 | 1,553 |
| Average total loans | $239,193,400 | 1,878 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 2,512 |
| Cost of funding earning assets | 0.2789% | 4,326 |
| Net interest margin | 3.9532% | 1,851 |
| Noninterest income to average assets | 0.6486% | 2,215 |
| Noninterest expense to average assets | 2.0932% | 4,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5597% | 786 |
| Return on assets (ROA) | 1.5588% | 806 |
| Pretax return on assets | 2.2759% | 305 |
| Return on Equity (ROE) | 12.6350% | 1,140 |
| Retained earnings to average equity (ytd only) | 7.4433% | 1,461 |
| Net charge-offs to loans | 0.0968% | 1,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 39.0464% | 1,327 |
| Efficiency ratio | 47.8942% | 5,348 |
| Assets per employee ($millions) | 3.8236% | 4,274 |
| Cash dividends to net income (ytd only)* | 41.0900% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7342% | 971 |
| Loan loss allowance to noncurrent loans | 200.4780% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 2,918 |
| Noncurrent loans to loans | 0.8650% | 2,209 |
| Net loans and leases to total assets | 60.9359% | 3,773 |
| Net loans and leases to deposits | 71.1406% | 3,857 |
| Net loans and leases to core deposits | 84.0339% | 3,121 |
| Total domestic deposits to total assets | 85.6556% | 2,452 |
| Equity capital to assets | 12.8868% | 1,446 |
| Core capital (leverage) ratio | 12.7112% | 1,330 |
| Tier 1 risk-based capital ratio | 19.3097% | 1,519 |
| Total risk-based capital ratio | 20.5645% | 1,472 |
| Memoranda: | ||
| Average total assets | $395,501,250 | 1,734 |
| Average earning assets | $372,345,500 | 1,710 |
| Average equity | $48,794,500 | 1,564 |
| Average total loans | $238,402,750 | 1,900 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1933% | 2,499 |
| Cost of funding earning assets | 0.2664% | 4,405 |
| Net interest margin | 3.9268% | 1,846 |
| Noninterest income to average assets | 0.6378% | 2,269 |
| Noninterest expense to average assets | 2.0874% | 4,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5403% | 801 |
| Return on assets (ROA) | 1.5403% | 823 |
| Pretax return on assets | 2.2450% | 326 |
| Return on Equity (ROE) | 12.6691% | 1,122 |
| Retained earnings to average equity (ytd only) | 4.8027% | 2,846 |
| Net charge-offs to loans | 0.0362% | 2,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 103.7209% | 639 |
| Efficiency ratio | 48.1817% | 5,387 |
| Assets per employee ($millions) | 3.8814% | 4,156 |
| Cash dividends to net income (ytd only)* | 62.0915% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 854 |
| Loan loss allowance to noncurrent loans | 264.9510% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 3,462 |
| Noncurrent loans to loans | 0.6854% | 2,698 |
| Net loans and leases to total assets | 59.0505% | 3,916 |
| Net loans and leases to deposits | 67.8668% | 4,086 |
| Net loans and leases to core deposits | 80.6943% | 3,369 |
| Total domestic deposits to total assets | 87.0094% | 1,948 |
| Equity capital to assets | 12.3200% | 1,718 |
| Core capital (leverage) ratio | 12.1149% | 1,578 |
| Tier 1 risk-based capital ratio | 18.7559% | 1,651 |
| Total risk-based capital ratio | 20.0112% | 1,608 |
| Memoranda: | ||
| Average total assets | $397,333,330 | 1,731 |
| Average earning assets | $373,837,670 | 1,710 |
| Average equity | $48,306,330 | 1,582 |
| Average total loans | $237,254,670 | 1,906 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 2,591 |
| Cost of funding earning assets | 0.2620% | 4,438 |
| Net interest margin | 3.8538% | 1,941 |
| Noninterest income to average assets | 0.6371% | 2,239 |
| Noninterest expense to average assets | 2.0580% | 4,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5074% | 796 |
| Return on assets (ROA) | 1.5074% | 825 |
| Pretax return on assets | 2.2007% | 356 |
| Return on Equity (ROE) | 12.4813% | 1,116 |
| Retained earnings to average equity (ytd only) | 12.4813% | 424 |
| Net charge-offs to loans | 0.0439% | 1,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 84.2308% | 630 |
| Efficiency ratio | 48.3247% | 5,453 |
| Assets per employee ($millions) | 3.9756% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 901 |
| Loan loss allowance to noncurrent loans | 185.9897% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.5813% | 2,909 |
| Noncurrent loans to loans | 0.9866% | 2,076 |
| Net loans and leases to total assets | 57.8363% | 3,991 |
| Net loans and leases to deposits | 66.4968% | 4,129 |
| Net loans and leases to core deposits | 79.2110% | 3,365 |
| Total domestic deposits to total assets | 86.9760% | 2,224 |
| Equity capital to assets | 12.1827% | 1,719 |
| Core capital (leverage) ratio | 12.3343% | 1,426 |
| Tier 1 risk-based capital ratio | 19.0786% | 1,600 |
| Total risk-based capital ratio | 20.3343% | 1,561 |
| Memoranda: | ||
| Average total assets | $398,049,000 | 1,740 |
| Average earning assets | $374,076,500 | 1,716 |
| Average equity | $48,072,000 | 1,583 |
| Average total loans | $236,829,000 | 1,915 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 2,589 |
| Cost of funding earning assets | 0.2671% | 4,398 |
| Net interest margin | 3.9025% | 1,955 |
| Noninterest income to average assets | 0.6686% | 2,323 |
| Noninterest expense to average assets | 2.2038% | 4,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4858% | 856 |
| Return on assets (ROA) | 1.4858% | 876 |
| Pretax return on assets | 2.1369% | 370 |
| Return on Equity (ROE) | 12.0577% | 1,229 |
| Retained earnings to average equity (ytd only) | 4.4182% | 2,771 |
| Net charge-offs to loans | 0.0434% | 3,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 82.5455% | 701 |
| Efficiency ratio | 50.7711% | 5,449 |
| Assets per employee ($millions) | 3.9065% | 4,134 |
| Cash dividends to net income (ytd only)* | 63.3580% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8420% | 885 |
| Loan loss allowance to noncurrent loans | 190.9488% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 2,995 |
| Noncurrent loans to loans | 0.9646% | 2,157 |
| Net loans and leases to total assets | 58.9810% | 3,965 |
| Net loans and leases to deposits | 67.7704% | 4,099 |
| Net loans and leases to core deposits | 78.7386% | 3,505 |
| Total domestic deposits to total assets | 87.0306% | 2,134 |
| Equity capital to assets | 11.9693% | 1,829 |
| Core capital (leverage) ratio | 12.1807% | 1,486 |
| Tier 1 risk-based capital ratio | 18.5788% | 1,706 |
| Total risk-based capital ratio | 19.8344% | 1,671 |
| Memoranda: | ||
| Average total assets | $382,423,600 | 1,754 |
| Average earning assets | $359,850,200 | 1,723 |
| Average equity | $47,123,400 | 1,605 |
| Average total loans | $227,911,000 | 1,925 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1820% | 2,569 |
| Cost of funding earning assets | 0.2682% | 4,410 |
| Net interest margin | 3.9139% | 1,926 |
| Noninterest income to average assets | 0.6667% | 2,335 |
| Noninterest expense to average assets | 2.2003% | 4,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4968% | 883 |
| Return on assets (ROA) | 1.4968% | 932 |
| Pretax return on assets | 2.1543% | 420 |
| Return on Equity (ROE) | 12.0569% | 1,308 |
| Retained earnings to average equity (ytd only) | 6.9612% | 1,647 |
| Net charge-offs to loans | 0.0532% | 2,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 68.1094% | 871 |
| Efficiency ratio | 50.5286% | 5,468 |
| Assets per employee ($millions) | 3.7256% | 4,429 |
| Cash dividends to net income (ytd only)* | 42.2635% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9031% | 846 |
| Loan loss allowance to noncurrent loans | 175.3606% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6603% | 2,921 |
| Noncurrent loans to loans | 1.0852% | 2,086 |
| Net loans and leases to total assets | 58.7952% | 4,015 |
| Net loans and leases to deposits | 67.9492% | 4,159 |
| Net loans and leases to core deposits | 80.7441% | 3,375 |
| Total domestic deposits to total assets | 86.5281% | 2,115 |
| Equity capital to assets | 12.6104% | 1,699 |
| Core capital (leverage) ratio | 12.3738% | 1,455 |
| Tier 1 risk-based capital ratio | 19.2319% | 1,617 |
| Total risk-based capital ratio | 20.4884% | 1,573 |
| Memoranda: | ||
| Average total assets | $379,389,250 | 1,770 |
| Average earning assets | $357,488,000 | 1,736 |
| Average equity | $47,097,750 | 1,611 |
| Average total loans | $225,618,000 | 1,942 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 2,590 |
| Cost of funding earning assets | 0.2657% | 4,494 |
| Net interest margin | 3.9079% | 1,955 |
| Noninterest income to average assets | 0.6721% | 2,265 |
| Noninterest expense to average assets | 2.1850% | 4,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5076% | 880 |
| Return on assets (ROA) | 1.5076% | 924 |
| Pretax return on assets | 2.1691% | 405 |
| Return on Equity (ROE) | 12.2100% | 1,239 |
| Retained earnings to average equity (ytd only) | 4.4957% | 3,050 |
| Net charge-offs to loans | 0.0625% | 2,299 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 58.5571% | 901 |
| Efficiency ratio | 50.1823% | 5,550 |
| Assets per employee ($millions) | 3.8813% | 4,118 |
| Cash dividends to net income (ytd only)* | 63.1801% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9220% | 859 |
| Loan loss allowance to noncurrent loans | 332.5265% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 3,985 |
| Noncurrent loans to loans | 0.5780% | 3,329 |
| Net loans and leases to total assets | 57.7984% | 4,136 |
| Net loans and leases to deposits | 66.4701% | 4,310 |
| Net loans and leases to core deposits | 77.9327% | 3,646 |
| Total domestic deposits to total assets | 86.9539% | 1,942 |
| Equity capital to assets | 12.1497% | 2,018 |
| Core capital (leverage) ratio | 12.0538% | 1,590 |
| Tier 1 risk-based capital ratio | 19.2607% | 1,638 |
| Total risk-based capital ratio | 20.5178% | 1,595 |
| Memoranda: | ||
| Average total assets | $377,939,330 | 1,773 |
| Average earning assets | $356,103,330 | 1,745 |
| Average equity | $46,666,670 | 1,627 |
| Average total loans | $224,158,330 | 1,958 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1954% | 2,491 |
| Cost of funding earning assets | 0.2702% | 4,497 |
| Net interest margin | 3.9252% | 1,866 |
| Noninterest income to average assets | 0.6930% | 2,072 |
| Noninterest expense to average assets | 2.1853% | 4,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5277% | 813 |
| Return on assets (ROA) | 1.5277% | 857 |
| Pretax return on assets | 2.2014% | 375 |
| Return on Equity (ROE) | 12.2700% | 1,226 |
| Retained earnings to average equity (ytd only) | 12.2700% | 466 |
| Net charge-offs to loans | 0.0379% | 2,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 97.7143% | 549 |
| Efficiency ratio | 49.8166% | 5,640 |
| Assets per employee ($millions) | 3.7909% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9710% | 858 |
| Loan loss allowance to noncurrent loans | 312.8079% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 4,029 |
| Noncurrent loans to loans | 0.6301% | 3,278 |
| Net loans and leases to total assets | 58.9061% | 3,935 |
| Net loans and leases to deposits | 67.9898% | 4,059 |
| Net loans and leases to core deposits | 80.8816% | 3,246 |
| Total domestic deposits to total assets | 86.6396% | 2,388 |
| Equity capital to assets | 12.5879% | 1,627 |
| Core capital (leverage) ratio | 12.5139% | 1,333 |
| Tier 1 risk-based capital ratio | 19.4950% | 1,614 |
| Total risk-based capital ratio | 20.7525% | 1,581 |
| Memoranda: | ||
| Average total assets | $372,846,500 | 1,804 |
| Average earning assets | $350,863,000 | 1,775 |
| Average equity | $46,422,000 | 1,622 |
| Average total loans | $221,874,500 | 1,968 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 1,575 |
| Cost of funding earning assets | 0.2748% | 4,538 |
| Net interest margin | 4.2304% | 1,099 |
| Noninterest income to average assets | 0.7085% | 2,164 |
| Noninterest expense to average assets | 2.2704% | 4,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6741% | 606 |
| Return on assets (ROA) | 1.6741% | 622 |
| Pretax return on assets | 2.4132% | 234 |
| Return on Equity (ROE) | 13.8558% | 864 |
| Retained earnings to average equity (ytd only) | 6.2464% | 1,678 |
| Net charge-offs to loans | -0.1366% | 5,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4758% | 5,822 |
| Assets per employee ($millions) | 3.7040% | 4,471 |
| Cash dividends to net income (ytd only)* | 54.9184% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0465% | 748 |
| Loan loss allowance to noncurrent loans | 229.4964% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 3,446 |
| Noncurrent loans to loans | 0.8917% | 2,569 |
| Net loans and leases to total assets | 57.7126% | 4,119 |
| Net loans and leases to deposits | 66.3763% | 4,287 |
| Net loans and leases to core deposits | 77.5275% | 3,604 |
| Total domestic deposits to total assets | 86.9475% | 2,162 |
| Equity capital to assets | 12.3117% | 1,730 |
| Core capital (leverage) ratio | 12.2712% | 1,470 |
| Tier 1 risk-based capital ratio | 19.2649% | 1,641 |
| Total risk-based capital ratio | 20.5230% | 1,597 |
| Memoranda: | ||
| Average total assets | $369,801,000 | 1,774 |
| Average earning assets | $347,484,000 | 1,748 |
| Average equity | $44,681,800 | 1,651 |
| Average total loans | $215,275,400 | 1,957 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 1,325 |
| Cost of funding earning assets | 0.2737% | 4,625 |
| Net interest margin | 4.3289% | 908 |
| Noninterest income to average assets | 0.7030% | 2,217 |
| Noninterest expense to average assets | 2.3239% | 4,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6927% | 636 |
| Return on assets (ROA) | 1.6927% | 659 |
| Pretax return on assets | 2.4466% | 258 |
| Return on Equity (ROE) | 14.0763% | 884 |
| Retained earnings to average equity (ytd only) | 8.9773% | 919 |
| Net charge-offs to loans | -0.3114% | 6,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7147% | 5,838 |
| Assets per employee ($millions) | 3.4951% | 4,795 |
| Cash dividends to net income (ytd only)* | 36.2241% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1910% | 675 |
| Loan loss allowance to noncurrent loans | 241.0005% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.5344% | 3,704 |
| Noncurrent loans to loans | 0.9091% | 2,700 |
| Net loans and leases to total assets | 56.3081% | 4,317 |
| Net loans and leases to deposits | 65.6182% | 4,418 |
| Net loans and leases to core deposits | 77.7883% | 3,629 |
| Total domestic deposits to total assets | 85.8118% | 2,631 |
| Equity capital to assets | 12.4119% | 1,790 |
| Core capital (leverage) ratio | 12.2364% | 1,547 |
| Tier 1 risk-based capital ratio | 19.4325% | 1,680 |
| Total risk-based capital ratio | 20.6915% | 1,648 |
| Memoranda: | ||
| Average total assets | $369,652,250 | 1,785 |
| Average earning assets | $347,333,250 | 1,760 |
| Average equity | $44,451,750 | 1,672 |
| Average total loans | $214,536,500 | 1,968 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7797% | 927 |
| Cost of funding earning assets | 0.2697% | 4,722 |
| Net interest margin | 4.5100% | 628 |
| Noninterest income to average assets | 0.6952% | 2,232 |
| Noninterest expense to average assets | 2.3391% | 4,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7857% | 532 |
| Return on assets (ROA) | 1.7857% | 557 |
| Pretax return on assets | 2.5930% | 221 |
| Return on Equity (ROE) | 15.0109% | 731 |
| Retained earnings to average equity (ytd only) | 7.2733% | 1,582 |
| Net charge-offs to loans | -0.4066% | 6,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4256% | 5,985 |
| Assets per employee ($millions) | 3.4627% | 4,865 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1735% | 766 |
| Loan loss allowance to noncurrent loans | 437.7018% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 4,677 |
| Noncurrent loans to loans | 0.4966% | 3,981 |
| Net loans and leases to total assets | 55.4705% | 4,390 |
| Net loans and leases to deposits | 63.5046% | 4,575 |
| Net loans and leases to core deposits | 74.5174% | 3,906 |
| Total domestic deposits to total assets | 87.3487% | 1,989 |
| Equity capital to assets | 11.8718% | 2,124 |
| Core capital (leverage) ratio | 11.5802% | 1,938 |
| Tier 1 risk-based capital ratio | 18.7509% | 1,857 |
| Total risk-based capital ratio | 20.0101% | 1,823 |
| Memoranda: | ||
| Average total assets | $369,377,670 | 1,799 |
| Average earning assets | $347,007,670 | 1,765 |
| Average equity | $43,941,330 | 1,692 |
| Average total loans | $214,955,000 | 1,975 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2817% | 2,157 |
| Cost of funding earning assets | 0.2719% | 4,763 |
| Net interest margin | 4.0098% | 1,522 |
| Noninterest income to average assets | 0.7246% | 2,047 |
| Noninterest expense to average assets | 2.3145% | 4,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5463% | 781 |
| Return on assets (ROA) | 1.5463% | 824 |
| Pretax return on assets | 2.1706% | 408 |
| Return on Equity (ROE) | 12.9845% | 1,093 |
| Retained earnings to average equity (ytd only) | 12.9845% | 446 |
| Net charge-offs to loans | -0.2200% | 6,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6035% | 5,835 |
| Assets per employee ($millions) | 3.3540% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9725% | 1,134 |
| Loan loss allowance to noncurrent loans | 312.2999% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 4,321 |
| Noncurrent loans to loans | 0.6316% | 3,696 |
| Net loans and leases to total assets | 57.7991% | 3,976 |
| Net loans and leases to deposits | 66.9659% | 4,052 |
| Net loans and leases to core deposits | 78.4767% | 3,331 |
| Total domestic deposits to total assets | 86.3112% | 2,763 |
| Equity capital to assets | 12.0701% | 1,978 |
| Core capital (leverage) ratio | 11.8821% | 1,713 |
| Tier 1 risk-based capital ratio | 18.8665% | 1,909 |
| Total risk-based capital ratio | 20.1239% | 1,867 |
| Memoranda: | ||
| Average total assets | $367,081,500 | 1,811 |
| Average earning assets | $344,256,500 | 1,782 |
| Average equity | $43,713,500 | 1,704 |
| Average total loans | $216,406,500 | 1,967 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 1,906 |
| Cost of funding earning assets | 0.2932% | 4,860 |
| Net interest margin | 4.1981% | 1,307 |
| Noninterest income to average assets | 0.6618% | 2,494 |
| Noninterest expense to average assets | 2.2979% | 5,118 |
| Loan and lease loss provision to assets | 0.0822% | 2,834 |
| Net operating income to assets | 1.5616% | 777 |
| Return on assets (ROA) | 1.5616% | 806 |
| Pretax return on assets | 2.2234% | 303 |
| Return on Equity (ROE) | 13.5224% | 1,034 |
| Retained earnings to average equity (ytd only) | 5.8786% | 2,000 |
| Net charge-offs to loans | -0.0393% | 5,857 |
| Credit loss provision to net charge-offs | -354.7619% | 5,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9161% | 6,098 |
| Assets per employee ($millions) | 3.2903% | 5,274 |
| Cash dividends to net income (ytd only)* | 56.5271% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 1,223 |
| Loan loss allowance to noncurrent loans | 331.1111% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 4,444 |
| Noncurrent loans to loans | 0.5853% | 3,913 |
| Net loans and leases to total assets | 57.8019% | 4,071 |
| Net loans and leases to deposits | 66.9688% | 4,221 |
| Net loans and leases to core deposits | 79.1184% | 3,396 |
| Total domestic deposits to total assets | 86.3117% | 2,665 |
| Equity capital to assets | 11.7450% | 2,211 |
| Core capital (leverage) ratio | 11.5424% | 1,950 |
| Tier 1 risk-based capital ratio | 18.7104% | 1,931 |
| Total risk-based capital ratio | 19.9678% | 1,893 |
| Memoranda: | ||
| Average total assets | $362,511,600 | 1,794 |
| Average earning assets | $340,368,400 | 1,756 |
| Average equity | $41,863,800 | 1,718 |
| Average total loans | $213,569,800 | 1,947 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 1,783 |
| Cost of funding earning assets | 0.2961% | 4,917 |
| Net interest margin | 4.2297% | 1,201 |
| Noninterest income to average assets | 0.6600% | 2,523 |
| Noninterest expense to average assets | 2.3307% | 5,026 |
| Loan and lease loss provision to assets | 0.1098% | 2,213 |
| Net operating income to assets | 1.5406% | 862 |
| Return on assets (ROA) | 1.5406% | 895 |
| Pretax return on assets | 2.1987% | 369 |
| Return on Equity (ROE) | 13.3984% | 1,118 |
| Retained earnings to average equity (ytd only) | 8.2710% | 1,234 |
| Net charge-offs to loans | -0.3541% | 6,417 |
| Credit loss provision to net charge-offs | -52.6502% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2383% | 6,090 |
| Assets per employee ($millions) | 3.2484% | 5,332 |
| Cash dividends to net income (ytd only)* | 38.2683% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1833% | 968 |
| Loan loss allowance to noncurrent loans | 317.6792% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 4,283 |
| Noncurrent loans to loans | 0.6873% | 3,890 |
| Net loans and leases to total assets | 57.8275% | 4,099 |
| Net loans and leases to deposits | 66.7324% | 4,260 |
| Net loans and leases to core deposits | 79.1134% | 3,427 |
| Total domestic deposits to total assets | 86.6558% | 2,497 |
| Equity capital to assets | 11.9245% | 2,125 |
| Core capital (leverage) ratio | 11.7076% | 1,906 |
| Tier 1 risk-based capital ratio | 19.1086% | 1,879 |
| Total risk-based capital ratio | 20.3692% | 1,840 |
| Memoranda: | ||
| Average total assets | $361,835,000 | 1,812 |
| Average earning assets | $340,409,250 | 1,767 |
| Average equity | $41,606,000 | 1,733 |
| Average total loans | $213,143,500 | 1,964 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5488% | 1,668 |
| Cost of funding earning assets | 0.2980% | 4,987 |
| Net interest margin | 4.2508% | 1,135 |
| Noninterest income to average assets | 0.6277% | 2,664 |
| Noninterest expense to average assets | 2.3464% | 5,033 |
| Loan and lease loss provision to assets | 0.1645% | 1,497 |
| Net operating income to assets | 1.4912% | 889 |
| Return on assets (ROA) | 1.4912% | 919 |
| Pretax return on assets | 2.1173% | 432 |
| Return on Equity (ROE) | 13.1300% | 1,140 |
| Retained earnings to average equity (ytd only) | 5.3522% | 2,732 |
| Net charge-offs to loans | -0.2843% | 6,419 |
| Credit loss provision to net charge-offs | -98.3498% | 5,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6978% | 6,139 |
| Assets per employee ($millions) | 3.2973% | 5,254 |
| Cash dividends to net income (ytd only)* | 59.2373% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0273% | 1,313 |
| Loan loss allowance to noncurrent loans | 323.7463% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 4,285 |
| Noncurrent loans to loans | 0.6262% | 4,147 |
| Net loans and leases to total assets | 57.9669% | 4,001 |
| Net loans and leases to deposits | 66.8578% | 4,178 |
| Net loans and leases to core deposits | 78.8502% | 3,336 |
| Total domestic deposits to total assets | 86.7017% | 2,631 |
| Equity capital to assets | 11.3485% | 2,554 |
| Core capital (leverage) ratio | 11.1798% | 2,266 |
| Tier 1 risk-based capital ratio | 18.1898% | 2,170 |
| Total risk-based capital ratio | 19.4485% | 2,136 |
| Memoranda: | ||
| Average total assets | $362,254,670 | 1,809 |
| Average earning assets | $340,926,000 | 1,763 |
| Average equity | $41,142,330 | 1,741 |
| Average total loans | $213,136,000 | 1,959 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4870% | 1,853 |
| Cost of funding earning assets | 0.3052% | 5,011 |
| Net interest margin | 4.1818% | 1,267 |
| Noninterest income to average assets | 0.6571% | 2,416 |
| Noninterest expense to average assets | 2.3586% | 5,045 |
| Loan and lease loss provision to assets | 0.2031% | 1,146 |
| Net operating income to assets | 1.4296% | 935 |
| Return on assets (ROA) | 1.4296% | 975 |
| Pretax return on assets | 2.0345% | 500 |
| Return on Equity (ROE) | 12.5824% | 1,266 |
| Retained earnings to average equity (ytd only) | 12.5824% | 535 |
| Net charge-offs to loans | -0.2686% | 6,456 |
| Credit loss provision to net charge-offs | -128.8732% | 4,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3161% | 6,175 |
| Assets per employee ($millions) | 3.3576% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9531% | 1,615 |
| Loan loss allowance to noncurrent loans | 296.4697% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.7313% | 3,928 |
| Noncurrent loans to loans | 0.6588% | 4,217 |
| Net loans and leases to total assets | 56.9668% | 4,006 |
| Net loans and leases to deposits | 65.5484% | 4,140 |
| Net loans and leases to core deposits | 77.4577% | 3,256 |
| Total domestic deposits to total assets | 86.9080% | 2,864 |
| Equity capital to assets | 11.4705% | 2,277 |
| Core capital (leverage) ratio | 11.4377% | 2,015 |
| Tier 1 risk-based capital ratio | 18.6990% | 2,061 |
| Total risk-based capital ratio | 19.9570% | 2,015 |
| Memoranda: | ||
| Average total assets | $360,384,500 | 1,823 |
| Average earning assets | $339,467,500 | 1,776 |
| Average equity | $40,946,000 | 1,743 |
| Average total loans | $211,431,000 | 1,967 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5415% | 2,055 |
| Cost of funding earning assets | 0.3595% | 5,056 |
| Net interest margin | 4.1819% | 1,414 |
| Noninterest income to average assets | 0.6272% | 2,935 |
| Noninterest expense to average assets | 2.3049% | 5,372 |
| Loan and lease loss provision to assets | 0.5432% | 492 |
| Net operating income to assets | 1.2664% | 1,343 |
| Return on assets (ROA) | 1.2701% | 1,392 |
| Pretax return on assets | 1.7108% | 927 |
| Return on Equity (ROE) | 11.4487% | 1,616 |
| Retained earnings to average equity (ytd only) | 3.9348% | 3,409 |
| Net charge-offs to loans | 0.9041% | 675 |
| Credit loss provision to net charge-offs | 97.7011% | 2,544 |
| Earnings coverage of net charge-offs (x) | 4.0450% | 3,690 |
| Efficiency ratio | 50.6132% | 6,375 |
| Assets per employee ($millions) | 3.3472% | 5,195 |
| Cash dividends to net income (ytd only)* | 65.6312% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7863% | 2,107 |
| Loan loss allowance to noncurrent loans | 186.6076% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.9828% | 3,449 |
| Noncurrent loans to loans | 0.9572% | 3,599 |
| Net loans and leases to total assets | 58.1836% | 4,010 |
| Net loans and leases to deposits | 66.5599% | 4,234 |
| Net loans and leases to core deposits | 78.7294% | 3,273 |
| Total domestic deposits to total assets | 87.4154% | 2,517 |
| Equity capital to assets | 11.2517% | 2,380 |
| Core capital (leverage) ratio | 11.1039% | 2,292 |
| Tier 1 risk-based capital ratio | 18.0327% | 2,241 |
| Total risk-based capital ratio | 19.2885% | 2,203 |
| Memoranda: | ||
| Average total assets | $359,880,000 | 1,800 |
| Average earning assets | $337,930,200 | 1,758 |
| Average equity | $39,925,800 | 1,746 |
| Average total loans | $221,332,600 | 1,849 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5714% | 1,974 |
| Cost of funding earning assets | 0.3729% | 5,068 |
| Net interest margin | 4.1986% | 1,338 |
| Noninterest income to average assets | 0.6309% | 2,986 |
| Noninterest expense to average assets | 2.3405% | 5,214 |
| Loan and lease loss provision to assets | 0.5847% | 423 |
| Net operating income to assets | 1.2218% | 1,557 |
| Return on assets (ROA) | 1.2267% | 1,617 |
| Pretax return on assets | 1.6500% | 1,219 |
| Return on Equity (ROE) | 11.0961% | 1,785 |
| Retained earnings to average equity (ytd only) | 6.0753% | 2,359 |
| Net charge-offs to loans | 1.1257% | 497 |
| Credit loss provision to net charge-offs | 83.6864% | 2,758 |
| Earnings coverage of net charge-offs (x) | 3.1891% | 3,775 |
| Efficiency ratio | 51.2312% | 6,317 |
| Assets per employee ($millions) | 3.3037% | 5,277 |
| Cash dividends to net income (ytd only)* | 45.2489% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 2,829 |
| Loan loss allowance to noncurrent loans | 129.8491% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 1.3144% | 3,018 |
| Noncurrent loans to loans | 1.2650% | 3,286 |
| Net loans and leases to total assets | 60.3242% | 3,647 |
| Net loans and leases to deposits | 69.7299% | 3,824 |
| Net loans and leases to core deposits | 82.7907% | 2,790 |
| Total domestic deposits to total assets | 86.5113% | 2,964 |
| Equity capital to assets | 11.5981% | 2,225 |
| Core capital (leverage) ratio | 11.4099% | 2,114 |
| Tier 1 risk-based capital ratio | 17.9925% | 2,328 |
| Total risk-based capital ratio | 19.2463% | 2,288 |
| Memoranda: | ||
| Average total assets | $360,312,250 | 1,813 |
| Average earning assets | $337,916,250 | 1,772 |
| Average equity | $39,832,750 | 1,762 |
| Average total loans | $223,622,000 | 1,832 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 2,005 |
| Cost of funding earning assets | 0.3844% | 5,088 |
| Net interest margin | 4.1741% | 1,349 |
| Noninterest income to average assets | 0.5851% | 3,285 |
| Noninterest expense to average assets | 2.3097% | 5,345 |
| Loan and lease loss provision to assets | 0.6352% | 391 |
| Net operating income to assets | 1.1707% | 1,667 |
| Return on assets (ROA) | 1.1686% | 1,785 |
| Pretax return on assets | 1.5486% | 1,487 |
| Return on Equity (ROE) | 10.7400% | 1,912 |
| Retained earnings to average equity (ytd only) | 3.1588% | 4,311 |
| Net charge-offs to loans | 1.5554% | 332 |
| Credit loss provision to net charge-offs | 65.5505% | 2,923 |
| Earnings coverage of net charge-offs (x) | 2.2565% | 3,770 |
| Efficiency ratio | 51.3699% | 6,321 |
| Assets per employee ($millions) | 3.3637% | 5,145 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 3,770 |
| Loan loss allowance to noncurrent loans | 90.0697% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.6662% | 2,611 |
| Noncurrent loans to loans | 1.6210% | 2,876 |
| Net loans and leases to total assets | 61.1230% | 3,459 |
| Net loans and leases to deposits | 70.1974% | 3,694 |
| Net loans and leases to core deposits | 85.9149% | 2,340 |
| Total domestic deposits to total assets | 87.0730% | 2,776 |
| Equity capital to assets | 11.0687% | 2,689 |
| Core capital (leverage) ratio | 10.5791% | 2,793 |
| Tier 1 risk-based capital ratio | 16.9474% | 2,735 |
| Total risk-based capital ratio | 18.1993% | 2,705 |
| Memoranda: | ||
| Average total assets | $363,684,330 | 1,803 |
| Average earning assets | $340,769,330 | 1,762 |
| Average equity | $39,571,670 | 1,780 |
| Average total loans | $226,569,000 | 1,815 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5084% | 2,138 |
| Cost of funding earning assets | 0.3948% | 5,157 |
| Net interest margin | 4.1136% | 1,417 |
| Noninterest income to average assets | 0.6295% | 2,980 |
| Noninterest expense to average assets | 2.2764% | 5,486 |
| Loan and lease loss provision to assets | 0.7515% | 300 |
| Net operating income to assets | 1.1182% | 1,790 |
| Return on assets (ROA) | 1.1131% | 1,916 |
| Pretax return on assets | 1.4421% | 1,732 |
| Return on Equity (ROE) | 10.3168% | 1,952 |
| Retained earnings to average equity (ytd only) | 10.3168% | 1,031 |
| Net charge-offs to loans | 0.7956% | 766 |
| Credit loss provision to net charge-offs | 151.3158% | 1,356 |
| Earnings coverage of net charge-offs (x) | 4.4298% | 2,560 |
| Efficiency ratio | 50.8516% | 6,446 |
| Assets per employee ($millions) | 3.4453% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7900% | 2,650 |
| Loan loss allowance to noncurrent loans | 57.2896% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 2.8339% | 1,591 |
| Noncurrent loans to loans | 3.1245% | 1,589 |
| Net loans and leases to total assets | 60.5879% | 3,330 |
| Net loans and leases to deposits | 69.2638% | 3,607 |
| Net loans and leases to core deposits | 87.1323% | 1,997 |
| Total domestic deposits to total assets | 87.4742% | 2,645 |
| Equity capital to assets | 10.8863% | 3,091 |
| Core capital (leverage) ratio | 10.7249% | 2,524 |
| Tier 1 risk-based capital ratio | 16.7296% | 2,893 |
| Total risk-based capital ratio | 17.9859% | 2,862 |
| Memoranda: | ||
| Average total assets | $367,249,000 | 1,795 |
| Average earning assets | $343,449,500 | 1,765 |
| Average equity | $39,624,500 | 1,796 |
| Average total loans | $229,270,500 | 1,803 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6523% | 2,784 |
| Cost of funding earning assets | 0.5219% | 5,056 |
| Net interest margin | 4.1304% | 1,887 |
| Noninterest income to average assets | 0.6604% | 2,934 |
| Noninterest expense to average assets | 2.2557% | 5,798 |
| Loan and lease loss provision to assets | 0.5780% | 964 |
| Net operating income to assets | 1.2362% | 1,487 |
| Return on assets (ROA) | 1.2362% | 1,653 |
| Pretax return on assets | 1.6994% | 1,140 |
| Return on Equity (ROE) | 11.7393% | 1,580 |
| Retained earnings to average equity (ytd only) | 3.9906% | 3,394 |
| Net charge-offs to loans | 1.1786% | 862 |
| Credit loss provision to net charge-offs | 78.6454% | 3,872 |
| Earnings coverage of net charge-offs (x) | 3.0988% | 3,883 |
| Efficiency ratio | 49.7600% | 6,605 |
| Assets per employee ($millions) | 3.4192% | 5,174 |
| Cash dividends to net income (ytd only)* | 66.0066% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 3,084 |
| Loan loss allowance to noncurrent loans | 47.5229% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 3.2281% | 1,435 |
| Noncurrent loans to loans | 3.4935% | 1,431 |
| Net loans and leases to total assets | 62.1229% | 3,230 |
| Net loans and leases to deposits | 70.2994% | 3,668 |
| Net loans and leases to core deposits | 89.9125% | 1,841 |
| Total domestic deposits to total assets | 88.3691% | 1,984 |
| Equity capital to assets | 10.6920% | 3,290 |
| Core capital (leverage) ratio | 10.3031% | 3,009 |
| Tier 1 risk-based capital ratio | 15.9977% | 3,169 |
| Total risk-based capital ratio | 17.2522% | 3,117 |
| Memoranda: | ||
| Average total assets | $367,649,400 | 1,772 |
| Average earning assets | $344,711,000 | 1,728 |
| Average equity | $38,716,200 | 1,798 |
| Average total loans | $229,252,200 | 1,782 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7135% | 2,754 |
| Cost of funding earning assets | 0.5461% | 5,118 |
| Net interest margin | 4.1674% | 1,840 |
| Noninterest income to average assets | 0.6168% | 3,174 |
| Noninterest expense to average assets | 2.2233% | 5,898 |
| Loan and lease loss provision to assets | 0.5795% | 987 |
| Net operating income to assets | 1.2475% | 1,582 |
| Return on assets (ROA) | 1.2475% | 1,750 |
| Pretax return on assets | 1.7256% | 1,210 |
| Return on Equity (ROE) | 11.8912% | 1,670 |
| Retained earnings to average equity (ytd only) | 6.7121% | 2,275 |
| Net charge-offs to loans | 0.9557% | 1,123 |
| Credit loss provision to net charge-offs | 97.5610% | 3,067 |
| Earnings coverage of net charge-offs (x) | 3.8805% | 3,477 |
| Efficiency ratio | 49.0961% | 6,657 |
| Assets per employee ($millions) | 3.4952% | 4,992 |
| Cash dividends to net income (ytd only)* | 43.5540% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 2,530 |
| Loan loss allowance to noncurrent loans | 52.2586% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 3.0619% | 1,696 |
| Noncurrent loans to loans | 3.6071% | 1,497 |
| Net loans and leases to total assets | 62.0199% | 3,372 |
| Net loans and leases to deposits | 70.9349% | 3,765 |
| Net loans and leases to core deposits | 89.8722% | 1,999 |
| Total domestic deposits to total assets | 87.4322% | 2,394 |
| Equity capital to assets | 10.7965% | 3,506 |
| Core capital (leverage) ratio | 10.5253% | 2,882 |
| Tier 1 risk-based capital ratio | 16.2358% | 3,140 |
| Total risk-based capital ratio | 17.4933% | 3,105 |
| Memoranda: | ||
| Average total assets | $368,098,750 | 1,790 |
| Average earning assets | $345,497,750 | 1,746 |
| Average equity | $38,616,000 | 1,817 |
| Average total loans | $228,786,500 | 1,794 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7578% | 2,691 |
| Cost of funding earning assets | 0.5649% | 5,188 |
| Net interest margin | 4.1930% | 1,773 |
| Noninterest income to average assets | 0.6139% | 3,173 |
| Noninterest expense to average assets | 2.2640% | 5,835 |
| Loan and lease loss provision to assets | 0.7056% | 769 |
| Net operating income to assets | 1.1572% | 1,857 |
| Return on assets (ROA) | 1.1572% | 2,065 |
| Pretax return on assets | 1.5806% | 1,601 |
| Return on Equity (ROE) | 11.1389% | 1,941 |
| Retained earnings to average equity (ytd only) | 3.3020% | 4,407 |
| Net charge-offs to loans | 1.2401% | 868 |
| Credit loss provision to net charge-offs | 92.0680% | 2,976 |
| Earnings coverage of net charge-offs (x) | 2.9830% | 3,554 |
| Efficiency ratio | 49.7555% | 6,657 |
| Assets per employee ($millions) | 3.4899% | 5,012 |
| Cash dividends to net income (ytd only)* | 70.3565% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8754% | 2,627 |
| Loan loss allowance to noncurrent loans | 76.3265% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 2.3606% | 2,363 |
| Noncurrent loans to loans | 2.4571% | 2,446 |
| Net loans and leases to total assets | 61.4114% | 3,550 |
| Net loans and leases to deposits | 69.5742% | 3,960 |
| Net loans and leases to core deposits | 87.8280% | 2,225 |
| Total domestic deposits to total assets | 88.2675% | 1,975 |
| Equity capital to assets | 10.4523% | 3,745 |
| Core capital (leverage) ratio | 10.0395% | 3,368 |
| Tier 1 risk-based capital ratio | 15.8989% | 3,209 |
| Total risk-based capital ratio | 17.1562% | 3,179 |
| Memoranda: | ||
| Average total assets | $368,465,000 | 1,790 |
| Average earning assets | $345,913,330 | 1,744 |
| Average equity | $38,280,330 | 1,826 |
| Average total loans | $227,720,000 | 1,795 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7701% | 2,762 |
| Cost of funding earning assets | 0.5899% | 5,214 |
| Net interest margin | 4.1802% | 1,814 |
| Noninterest income to average assets | 0.5640% | 3,465 |
| Noninterest expense to average assets | 2.2453% | 5,918 |
| Loan and lease loss provision to assets | 0.3248% | 1,930 |
| Net operating income to assets | 1.3543% | 1,304 |
| Return on assets (ROA) | 1.3543% | 1,464 |
| Pretax return on assets | 1.9140% | 855 |
| Return on Equity (ROE) | 13.0755% | 1,383 |
| Retained earnings to average equity (ytd only) | 13.0755% | 673 |
| Net charge-offs to loans | 1.1582% | 891 |
| Credit loss provision to net charge-offs | 45.6621% | 3,355 |
| Earnings coverage of net charge-offs (x) | 3.1476% | 2,944 |
| Efficiency ratio | 50.0724% | 6,670 |
| Assets per employee ($millions) | 3.4607% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7951% | 3,010 |
| Loan loss allowance to noncurrent loans | 76.9786% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 2.2709% | 2,624 |
| Noncurrent loans to loans | 2.3319% | 2,772 |
| Net loans and leases to total assets | 59.9241% | 3,685 |
| Net loans and leases to deposits | 67.7879% | 4,101 |
| Net loans and leases to core deposits | 88.0937% | 2,041 |
| Total domestic deposits to total assets | 88.3994% | 2,068 |
| Equity capital to assets | 10.5053% | 3,484 |
| Core capital (leverage) ratio | 10.3277% | 2,955 |
| Tier 1 risk-based capital ratio | 16.3667% | 2,979 |
| Total risk-based capital ratio | 17.6229% | 2,930 |
| Memoranda: | ||
| Average total assets | $369,480,000 | 1,790 |
| Average earning assets | $346,488,500 | 1,745 |
| Average equity | $38,270,000 | 1,817 |
| Average total loans | $226,913,000 | 1,810 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 2,477 |
| Cost of funding earning assets | 0.7609% | 5,129 |
| Net interest margin | 4.3335% | 1,595 |
| Noninterest income to average assets | 0.6627% | 2,822 |
| Noninterest expense to average assets | 2.2906% | 6,058 |
| Loan and lease loss provision to assets | 0.4946% | 2,130 |
| Net operating income to assets | 1.3836% | 1,053 |
| Return on assets (ROA) | 1.3883% | 1,136 |
| Pretax return on assets | 1.9257% | 631 |
| Return on Equity (ROE) | 13.5874% | 1,037 |
| Retained earnings to average equity (ytd only) | 4.4449% | 3,010 |
| Net charge-offs to loans | 0.4820% | 3,069 |
| Credit loss provision to net charge-offs | 161.8705% | 1,703 |
| Earnings coverage of net charge-offs (x) | 7.9002% | 2,240 |
| Efficiency ratio | 48.6917% | 6,909 |
| Assets per employee ($millions) | 3.4455% | 5,145 |
| Cash dividends to net income (ytd only)* | 67.2868% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9366% | 2,463 |
| Loan loss allowance to noncurrent loans | 77.7484% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 2.5367% | 2,395 |
| Noncurrent loans to loans | 2.4908% | 2,635 |
| Net loans and leases to total assets | 60.6136% | 3,869 |
| Net loans and leases to deposits | 69.2043% | 4,242 |
| Net loans and leases to core deposits | 90.6162% | 2,035 |
| Total domestic deposits to total assets | 87.5865% | 2,420 |
| Equity capital to assets | 10.2097% | 3,893 |
| Core capital (leverage) ratio | 9.9808% | 3,361 |
| Tier 1 risk-based capital ratio | 15.8353% | 3,141 |
| Total risk-based capital ratio | 16.7521% | 3,276 |
| Memoranda: | ||
| Average total assets | $363,966,600 | 1,786 |
| Average earning assets | $339,447,600 | 1,747 |
| Average equity | $37,189,000 | 1,809 |
| Average total loans | $230,685,800 | 1,808 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1469% | 2,403 |
| Cost of funding earning assets | 0.7990% | 5,156 |
| Net interest margin | 4.3480% | 1,567 |
| Noninterest income to average assets | 0.6990% | 2,614 |
| Noninterest expense to average assets | 2.3297% | 5,958 |
| Loan and lease loss provision to assets | 0.3859% | 2,543 |
| Net operating income to assets | 1.4030% | 1,142 |
| Return on assets (ROA) | 1.4090% | 1,212 |
| Pretax return on assets | 2.0463% | 576 |
| Return on Equity (ROE) | 13.7875% | 1,085 |
| Retained earnings to average equity (ytd only) | 7.6741% | 1,639 |
| Net charge-offs to loans | 0.4316% | 2,992 |
| Credit loss provision to net charge-offs | 140.1869% | 2,270 |
| Earnings coverage of net charge-offs (x) | 8.8038% | 2,124 |
| Efficiency ratio | 49.0141% | 6,886 |
| Assets per employee ($millions) | 3.2540% | 5,561 |
| Cash dividends to net income (ytd only)* | 44.3401% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 3,015 |
| Loan loss allowance to noncurrent loans | 95.0201% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 2.1892% | 2,911 |
| Noncurrent loans to loans | 1.8730% | 3,538 |
| Net loans and leases to total assets | 61.5174% | 3,840 |
| Net loans and leases to deposits | 69.9987% | 4,303 |
| Net loans and leases to core deposits | 89.4566% | 2,318 |
| Total domestic deposits to total assets | 87.8836% | 2,104 |
| Equity capital to assets | 10.5989% | 3,574 |
| Core capital (leverage) ratio | 10.2718% | 3,111 |
| Tier 1 risk-based capital ratio | 16.0259% | 3,105 |
| Total risk-based capital ratio | 17.2820% | 3,062 |
| Memoranda: | ||
| Average total assets | $362,790,750 | 1,800 |
| Average earning assets | $338,263,250 | 1,766 |
| Average equity | $37,076,250 | 1,821 |
| Average total loans | $231,388,000 | 1,816 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1236% | 2,576 |
| Cost of funding earning assets | 0.8366% | 5,149 |
| Net interest margin | 4.2870% | 1,715 |
| Noninterest income to average assets | 0.7101% | 2,498 |
| Noninterest expense to average assets | 2.3037% | 6,115 |
| Loan and lease loss provision to assets | 0.3853% | 2,487 |
| Net operating income to assets | 1.3825% | 1,120 |
| Return on assets (ROA) | 1.3916% | 1,168 |
| Pretax return on assets | 2.0312% | 559 |
| Return on Equity (ROE) | 13.7862% | 1,022 |
| Retained earnings to average equity (ytd only) | 4.5154% | 3,317 |
| Net charge-offs to loans | 0.3123% | 3,316 |
| Credit loss provision to net charge-offs | 192.3077% | 1,567 |
| Earnings coverage of net charge-offs (x) | 11.9945% | 1,659 |
| Efficiency ratio | 48.9416% | 7,013 |
| Assets per employee ($millions) | 3.3068% | 5,409 |
| Cash dividends to net income (ytd only)* | 67.2468% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7839% | 3,048 |
| Loan loss allowance to noncurrent loans | 76.3489% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 2.5433% | 2,631 |
| Noncurrent loans to loans | 2.3365% | 3,055 |
| Net loans and leases to total assets | 62.6061% | 3,766 |
| Net loans and leases to deposits | 70.8084% | 4,322 |
| Net loans and leases to core deposits | 89.9765% | 2,375 |
| Total domestic deposits to total assets | 88.4162% | 1,911 |
| Equity capital to assets | 10.3588% | 3,678 |
| Core capital (leverage) ratio | 9.7274% | 3,628 |
| Tier 1 risk-based capital ratio | 15.4746% | 3,261 |
| Total risk-based capital ratio | 16.7310% | 3,203 |
| Memoranda: | ||
| Average total assets | $363,324,670 | 1,803 |
| Average earning assets | $338,746,330 | 1,766 |
| Average equity | $36,674,330 | 1,824 |
| Average total loans | $233,110,670 | 1,829 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0542% | 2,834 |
| Cost of funding earning assets | 0.8810% | 5,060 |
| Net interest margin | 4.1732% | 1,988 |
| Noninterest income to average assets | 0.6746% | 2,706 |
| Noninterest expense to average assets | 2.2553% | 6,293 |
| Loan and lease loss provision to assets | 0.3275% | 2,589 |
| Net operating income to assets | 1.3525% | 1,145 |
| Return on assets (ROA) | 1.3525% | 1,199 |
| Pretax return on assets | 1.9857% | 571 |
| Return on Equity (ROE) | 13.5729% | 1,072 |
| Retained earnings to average equity (ytd only) | 13.5729% | 516 |
| Net charge-offs to loans | 0.1917% | 3,355 |
| Credit loss provision to net charge-offs | 265.4867% | 1,185 |
| Earnings coverage of net charge-offs (x) | 18.7522% | 1,168 |
| Efficiency ratio | 49.3668% | 7,036 |
| Assets per employee ($millions) | 3.3998% | 5,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 3,462 |
| Loan loss allowance to noncurrent loans | 67.6115% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 2.6126% | 2,624 |
| Noncurrent loans to loans | 2.4638% | 3,032 |
| Net loans and leases to total assets | 63.4790% | 3,547 |
| Net loans and leases to deposits | 72.0866% | 4,063 |
| Net loans and leases to core deposits | 94.0168% | 1,879 |
| Total domestic deposits to total assets | 88.0593% | 2,342 |
| Equity capital to assets | 10.2017% | 3,535 |
| Core capital (leverage) ratio | 9.8033% | 3,381 |
| Tier 1 risk-based capital ratio | 15.1127% | 3,366 |
| Total risk-based capital ratio | 16.3671% | 3,324 |
| Memoranda: | ||
| Average total assets | $366,419,000 | 1,797 |
| Average earning assets | $341,896,500 | 1,764 |
| Average equity | $36,514,000 | 1,816 |
| Average total loans | $235,841,000 | 1,822 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2967% | 3,145 |
| Cost of funding earning assets | 1.1138% | 5,060 |
| Net interest margin | 4.1828% | 2,251 |
| Noninterest income to average assets | 0.6440% | 3,190 |
| Noninterest expense to average assets | 2.2104% | 6,588 |
| Loan and lease loss provision to assets | 0.4449% | 3,460 |
| Net operating income to assets | 1.3014% | 1,172 |
| Return on assets (ROA) | 1.3133% | 1,207 |
| Pretax return on assets | 1.9114% | 593 |
| Return on Equity (ROE) | 13.3388% | 1,014 |
| Retained earnings to average equity (ytd only) | 4.8661% | 2,500 |
| Net charge-offs to loans | 0.5215% | 3,537 |
| Credit loss provision to net charge-offs | 133.4445% | 2,928 |
| Earnings coverage of net charge-offs (x) | 7.0158% | 2,223 |
| Efficiency ratio | 48.5850% | 7,230 |
| Assets per employee ($millions) | 3.3858% | 5,206 |
| Cash dividends to net income (ytd only)* | 63.5189% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 3,687 |
| Loan loss allowance to noncurrent loans | 66.1987% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 2.5107% | 2,764 |
| Noncurrent loans to loans | 2.3758% | 3,142 |
| Net loans and leases to total assets | 63.1666% | 4,035 |
| Net loans and leases to deposits | 71.9837% | 4,522 |
| Net loans and leases to core deposits | 96.9790% | 1,896 |
| Total domestic deposits to total assets | 87.7512% | 2,396 |
| Equity capital to assets | 9.7319% | 4,078 |
| Core capital (leverage) ratio | 9.4502% | 3,768 |
| Tier 1 risk-based capital ratio | 14.5640% | 3,502 |
| Total risk-based capital ratio | 15.8171% | 3,460 |
| Memoranda: | ||
| Average total assets | $359,625,400 | 1,818 |
| Average earning assets | $335,776,000 | 1,775 |
| Average equity | $35,408,000 | 1,869 |
| Average total loans | $229,914,800 | 1,896 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3126% | 3,288 |
| Cost of funding earning assets | 1.1660% | 5,054 |
| Net interest margin | 4.1465% | 2,420 |
| Noninterest income to average assets | 0.7680% | 2,398 |
| Noninterest expense to average assets | 2.2675% | 6,416 |
| Loan and lease loss provision to assets | 0.3545% | 3,780 |
| Net operating income to assets | 1.3575% | 1,200 |
| Return on assets (ROA) | 1.3730% | 1,242 |
| Pretax return on assets | 2.0402% | 572 |
| Return on Equity (ROE) | 13.9033% | 1,054 |
| Retained earnings to average equity (ytd only) | 8.2346% | 1,341 |
| Net charge-offs to loans | 0.2951% | 4,188 |
| Credit loss provision to net charge-offs | 188.1188% | 1,915 |
| Earnings coverage of net charge-offs (x) | 12.5841% | 1,671 |
| Efficiency ratio | 48.8778% | 7,219 |
| Assets per employee ($millions) | 3.4445% | 5,109 |
| Cash dividends to net income (ytd only)* | 40.7720% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6510% | 3,327 |
| Loan loss allowance to noncurrent loans | 58.7988% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 2.8866% | 2,515 |
| Noncurrent loans to loans | 2.8079% | 2,842 |
| Net loans and leases to total assets | 62.0781% | 4,519 |
| Net loans and leases to deposits | 71.6608% | 4,885 |
| Net loans and leases to core deposits | 92.5790% | 2,716 |
| Total domestic deposits to total assets | 86.6277% | 2,731 |
| Equity capital to assets | 10.1343% | 3,968 |
| Core capital (leverage) ratio | 9.7946% | 3,495 |
| Tier 1 risk-based capital ratio | 15.1826% | 3,167 |
| Total risk-based capital ratio | 16.4372% | 3,135 |
| Memoranda: | ||
| Average total assets | $357,267,750 | 1,852 |
| Average earning assets | $333,541,250 | 1,814 |
| Average equity | $35,281,000 | 1,898 |
| Average total loans | $228,182,250 | 1,935 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2729% | 3,590 |
| Cost of funding earning assets | 1.2026% | 5,123 |
| Net interest margin | 4.0703% | 2,697 |
| Noninterest income to average assets | 0.7667% | 2,292 |
| Noninterest expense to average assets | 2.2884% | 6,386 |
| Loan and lease loss provision to assets | 0.3373% | 3,713 |
| Net operating income to assets | 1.3089% | 1,285 |
| Return on assets (ROA) | 1.3322% | 1,312 |
| Pretax return on assets | 1.9792% | 626 |
| Return on Equity (ROE) | 13.6114% | 1,117 |
| Retained earnings to average equity (ytd only) | 4.9966% | 2,901 |
| Net charge-offs to loans | 0.2840% | 3,919 |
| Credit loss provision to net charge-offs | 185.1852% | 2,126 |
| Earnings coverage of net charge-offs (x) | 12.5278% | 1,672 |
| Efficiency ratio | 50.0738% | 7,219 |
| Assets per employee ($millions) | 3.4898% | 4,951 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 3,672 |
| Loan loss allowance to noncurrent loans | 50.9482% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 2.9771% | 2,399 |
| Noncurrent loans to loans | 3.0415% | 2,650 |
| Net loans and leases to total assets | 63.0174% | 4,463 |
| Net loans and leases to deposits | 72.2728% | 4,956 |
| Net loans and leases to core deposits | 94.3124% | 2,669 |
| Total domestic deposits to total assets | 87.1938% | 2,434 |
| Equity capital to assets | 9.6586% | 4,456 |
| Core capital (leverage) ratio | 9.3918% | 3,971 |
| Tier 1 risk-based capital ratio | 14.5362% | 3,429 |
| Total risk-based capital ratio | 15.7939% | 3,382 |
| Memoranda: | ||
| Average total assets | $355,799,670 | 1,882 |
| Average earning assets | $332,453,330 | 1,834 |
| Average equity | $34,823,670 | 1,919 |
| Average total loans | $228,147,000 | 1,953 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3485% | 3,308 |
| Cost of funding earning assets | 1.2327% | 5,220 |
| Net interest margin | 4.1158% | 2,373 |
| Noninterest income to average assets | 0.7518% | 2,292 |
| Noninterest expense to average assets | 2.2042% | 6,678 |
| Loan and lease loss provision to assets | 0.3407% | 3,341 |
| Net operating income to assets | 1.3605% | 1,164 |
| Return on assets (ROA) | 1.3605% | 1,233 |
| Pretax return on assets | 2.0441% | 561 |
| Return on Equity (ROE) | 13.8066% | 1,088 |
| Retained earnings to average equity (ytd only) | 13.8066% | 529 |
| Net charge-offs to loans | 0.2123% | 3,649 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,280 |
| Efficiency ratio | 48.0327% | 7,437 |
| Assets per employee ($millions) | 3.5322% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5537% | 3,641 |
| Loan loss allowance to noncurrent loans | 53.9908% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.9982% | 2,391 |
| Noncurrent loans to loans | 2.8777% | 2,801 |
| Net loans and leases to total assets | 61.6248% | 4,829 |
| Net loans and leases to deposits | 70.5545% | 5,260 |
| Net loans and leases to core deposits | 90.8145% | 3,256 |
| Total domestic deposits to total assets | 87.3436% | 2,437 |
| Equity capital to assets | 9.7997% | 4,107 |
| Core capital (leverage) ratio | 9.9263% | 3,256 |
| Tier 1 risk-based capital ratio | 15.0712% | 3,085 |
| Total risk-based capital ratio | 16.3246% | 3,036 |
| Memoranda: | ||
| Average total assets | $352,229,000 | 1,945 |
| Average earning assets | $328,391,500 | 1,905 |
| Average equity | $34,708,000 | 1,942 |
| Average total loans | $226,062,500 | 2,025 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8795% | 2,328 |
| Cost of funding earning assets | 1.4568% | 5,690 |
| Net interest margin | 4.4227% | 1,368 |
| Noninterest income to average assets | 0.5897% | 3,709 |
| Noninterest expense to average assets | 2.4476% | 6,310 |
| Loan and lease loss provision to assets | 0.5172% | 3,788 |
| Net operating income to assets | 1.2179% | 1,200 |
| Return on assets (ROA) | 1.1749% | 1,359 |
| Pretax return on assets | 1.6984% | 780 |
| Return on Equity (ROE) | 11.5894% | 1,265 |
| Retained earnings to average equity (ytd only) | 3.3091% | 2,853 |
| Net charge-offs to loans | 0.2803% | 4,879 |
| Credit loss provision to net charge-offs | 278.2258% | 1,234 |
| Earnings coverage of net charge-offs (x) | 12.2548% | 1,524 |
| Efficiency ratio | 51.7955% | 7,403 |
| Assets per employee ($millions) | 3.4077% | 5,237 |
| Cash dividends to net income (ytd only)* | 71.4468% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 3,904 |
| Loan loss allowance to noncurrent loans | 65.6787% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 2.7262% | 2,560 |
| Noncurrent loans to loans | 2.2335% | 3,359 |
| Net loans and leases to total assets | 64.8720% | 4,396 |
| Net loans and leases to deposits | 74.3866% | 4,971 |
| Net loans and leases to core deposits | 111.4682% | 2,752 |
| Total domestic deposits to total assets | 87.2093% | 2,379 |
| Equity capital to assets | 9.9104% | 3,883 |
| Core capital (leverage) ratio | 9.8512% | 3,268 |
| Tier 1 risk-based capital ratio | 14.5517% | 3,174 |
| Total risk-based capital ratio | 15.8043% | 3,126 |
| Memoranda: | ||
| Average total assets | $333,556,400 | 2,034 |
| Average earning assets | $311,913,800 | 1,994 |
| Average equity | $33,815,400 | 1,982 |
| Average total loans | $221,228,600 | 2,093 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9971% | 2,053 |
| Cost of funding earning assets | 1.5029% | 5,810 |
| Net interest margin | 4.4942% | 1,206 |
| Noninterest income to average assets | 0.8603% | 2,144 |
| Noninterest expense to average assets | 2.4639% | 6,204 |
| Loan and lease loss provision to assets | 0.3929% | 3,958 |
| Net operating income to assets | 1.5090% | 795 |
| Return on assets (ROA) | 1.5090% | 853 |
| Pretax return on assets | 2.2133% | 337 |
| Return on Equity (ROE) | 14.7982% | 800 |
| Retained earnings to average equity (ytd only) | 7.6856% | 1,236 |
| Net charge-offs to loans | 0.3280% | 3,998 |
| Credit loss provision to net charge-offs | 180.2218% | 2,540 |
| Earnings coverage of net charge-offs (x) | 11.9556% | 1,810 |
| Efficiency ratio | 48.5973% | 7,642 |
| Assets per employee ($millions) | 3.2496% | 5,518 |
| Cash dividends to net income (ytd only)* | 48.0641% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 5,257 |
| Loan loss allowance to noncurrent loans | 315.4578% | 964 |
| Noncurrent assets plus other real estate owned to assets | 1.9203% | 3,468 |
| Noncurrent loans to loans | 0.3728% | 6,601 |
| Net loans and leases to total assets | 67.2634% | 4,125 |
| Net loans and leases to deposits | 78.4153% | 4,679 |
| Net loans and leases to core deposits | 117.1708% | 2,509 |
| Total domestic deposits to total assets | 85.7785% | 2,817 |
| Equity capital to assets | 10.5598% | 3,443 |
| Core capital (leverage) ratio | 10.1475% | 3,119 |
| Tier 1 risk-based capital ratio | 14.9575% | 3,061 |
| Total risk-based capital ratio | 16.1253% | 3,042 |
| Memoranda: | ||
| Average total assets | $330,902,250 | 2,067 |
| Average earning assets | $309,963,750 | 2,028 |
| Average equity | $33,742,000 | 2,007 |
| Average total loans | $219,886,750 | 2,126 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9890% | 2,227 |
| Cost of funding earning assets | 1.5384% | 5,983 |
| Net interest margin | 4.4506% | 1,289 |
| Noninterest income to average assets | 0.8424% | 2,206 |
| Noninterest expense to average assets | 2.3821% | 6,517 |
| Loan and lease loss provision to assets | 0.4082% | 3,480 |
| Net operating income to assets | 1.4804% | 872 |
| Return on assets (ROA) | 1.4804% | 931 |
| Pretax return on assets | 2.2249% | 340 |
| Return on Equity (ROE) | 14.6929% | 876 |
| Retained earnings to average equity (ytd only) | 3.8893% | 3,119 |
| Net charge-offs to loans | 0.2964% | 3,703 |
| Credit loss provision to net charge-offs | 208.9783% | 2,192 |
| Earnings coverage of net charge-offs (x) | 13.4799% | 1,736 |
| Efficiency ratio | 47.4979% | 7,778 |
| Assets per employee ($millions) | 3.2495% | 5,454 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 5,361 |
| Loan loss allowance to noncurrent loans | 124.3832% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 1.8931% | 3,347 |
| Noncurrent loans to loans | 0.9129% | 5,391 |
| Net loans and leases to total assets | 66.8844% | 4,382 |
| Net loans and leases to deposits | 77.8095% | 4,908 |
| Net loans and leases to core deposits | 111.6527% | 3,188 |
| Total domestic deposits to total assets | 85.9591% | 2,814 |
| Equity capital to assets | 9.9787% | 3,970 |
| Core capital (leverage) ratio | 9.8562% | 3,445 |
| Tier 1 risk-based capital ratio | 14.3878% | 3,311 |
| Total risk-based capital ratio | 15.5196% | 3,303 |
| Memoranda: | ||
| Average total assets | $330,718,000 | 2,097 |
| Average earning assets | $310,071,000 | 2,057 |
| Average equity | $33,322,330 | 2,042 |
| Average total loans | $217,982,000 | 2,174 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9513% | 2,559 |
| Cost of funding earning assets | 1.6065% | 6,009 |
| Net interest margin | 4.3448% | 1,477 |
| Noninterest income to average assets | 0.8153% | 2,254 |
| Noninterest expense to average assets | 2.3545% | 6,354 |
| Loan and lease loss provision to assets | 0.3650% | 3,130 |
| Net operating income to assets | 1.4468% | 1,047 |
| Return on assets (ROA) | 1.4468% | 1,122 |
| Pretax return on assets | 2.1598% | 483 |
| Return on Equity (ROE) | 14.2889% | 1,107 |
| Retained earnings to average equity (ytd only) | 14.2889% | 488 |
| Net charge-offs to loans | 0.4716% | 2,265 |
| Credit loss provision to net charge-offs | 119.0476% | 3,293 |
| Earnings coverage of net charge-offs (x) | 8.2341% | 2,223 |
| Efficiency ratio | 48.2544% | 7,715 |
| Assets per employee ($millions) | 3.2079% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 5,790 |
| Loan loss allowance to noncurrent loans | 88.4165% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 2.0786% | 2,775 |
| Noncurrent loans to loans | 1.1921% | 4,588 |
| Net loans and leases to total assets | 64.4078% | 4,917 |
| Net loans and leases to deposits | 74.7949% | 5,379 |
| Net loans and leases to core deposits | 106.4034% | 3,862 |
| Total domestic deposits to total assets | 86.1125% | 2,651 |
| Equity capital to assets | 10.2684% | 3,687 |
| Core capital (leverage) ratio | 10.1204% | 3,275 |
| Tier 1 risk-based capital ratio | 15.1246% | 2,999 |
| Total risk-based capital ratio | 16.1565% | 3,039 |
| Memoranda: | ||
| Average total assets | $328,730,000 | 2,122 |
| Average earning assets | $307,493,500 | 2,076 |
| Average equity | $33,284,500 | 2,036 |
| Average total loans | $213,758,500 | 2,235 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6859% | 2,078 |
| Cost of funding earning assets | 2.1860% | 5,660 |
| Net interest margin | 4.4999% | 1,419 |
| Noninterest income to average assets | 0.6247% | 3,677 |
| Noninterest expense to average assets | 2.3651% | 6,520 |
| Loan and lease loss provision to assets | 0.2031% | 4,859 |
| Net operating income to assets | 1.5013% | 1,015 |
| Return on assets (ROA) | 1.5013% | 981 |
| Pretax return on assets | 2.2603% | 345 |
| Return on Equity (ROE) | 14.7464% | 963 |
| Retained earnings to average equity (ytd only) | 3.6797% | 2,861 |
| Net charge-offs to loans | 0.1659% | 4,545 |
| Credit loss provision to net charge-offs | 187.5723% | 2,641 |
| Earnings coverage of net charge-offs (x) | 22.7486% | 1,454 |
| Efficiency ratio | 48.9824% | 7,736 |
| Assets per employee ($millions) | 3.0565% | 5,916 |
| Cash dividends to net income (ytd only)* | 75.0469% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 5,674 |
| Loan loss allowance to noncurrent loans | 97.2819% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 2.0028% | 2,461 |
| Noncurrent loans to loans | 1.0737% | 4,418 |
| Net loans and leases to total assets | 64.2780% | 5,217 |
| Net loans and leases to deposits | 73.2655% | 5,923 |
| Net loans and leases to core deposits | 100.8114% | 4,745 |
| Total domestic deposits to total assets | 87.7330% | 1,587 |
| Equity capital to assets | 9.9805% | 4,062 |
| Core capital (leverage) ratio | 9.7885% | 3,663 |
| Tier 1 risk-based capital ratio | 14.5058% | 3,293 |
| Total risk-based capital ratio | 15.5105% | 3,339 |
| Memoranda: | ||
| Average total assets | $319,517,400 | 2,090 |
| Average earning assets | $298,495,200 | 2,049 |
| Average equity | $32,530,000 | 2,081 |
| Average total loans | $208,566,800 | 2,217 |