Home > Citizens Bank & Trust Company > Performance and Condition Ratios
Citizens Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0949% | 1,864 |
| Cost of funding earning assets | 1.3457% | 2,373 |
| Net interest margin | 3.7492% | 1,647 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.5300% | 2,217 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.8874% | 2,588 |
| Return on assets (ROA) | 0.8874% | 2,560 |
| Pretax return on assets | 1.1108% | 2,382 |
| Return on Equity (ROE) | 8.3100% | 2,942 |
| Retained earnings to average equity (ytd only) | 6.7662% | 1,967 |
| Net charge-offs to loans | 0.1169% | 819 |
| Credit loss provision to net charge-offs | 181.8182% | 1,300 |
| Earnings coverage of net charge-offs (x) | 16.3273% | 2,013 |
| Efficiency ratio | 66.9306% | 2,239 |
| Assets per employee ($millions) | 6.0377% | 2,783 |
| Cash dividends to net income (ytd only)* | 18.5621% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9846% | 382 |
| Loan loss allowance to noncurrent loans | 289.5515% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 655 |
| Noncurrent loans to loans | 0.6854% | 1,149 |
| Net loans and leases to total assets | 62.8400% | 2,592 |
| Net loans and leases to deposits | 71.9627% | 2,754 |
| Net loans and leases to core deposits | 75.6872% | 2,997 |
| Total domestic deposits to total assets | 87.3200% | 1,580 |
| Equity capital to assets | 10.0239% | 1,990 |
| Core capital (leverage) ratio | 11.5773% | 1,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6505% | 1,641 |
| Memoranda: | ||
| Average total assets | $431,027,000 | 1,915 |
| Average earning assets | $387,978,200 | 1,956 |
| Average equity | $46,037,800 | 1,710 |
| Average total loans | $282,322,000 | 1,861 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9732% | 1,887 |
| Cost of funding earning assets | 1.1385% | 2,631 |
| Net interest margin | 3.8347% | 1,530 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.4229% | 2,454 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.9887% | 2,398 |
| Return on assets (ROA) | 0.9887% | 2,385 |
| Pretax return on assets | 1.3265% | 1,956 |
| Return on Equity (ROE) | 9.1000% | 2,897 |
| Retained earnings to average equity (ytd only) | 7.0212% | 2,278 |
| Net charge-offs to loans | 0.1206% | 672 |
| Credit loss provision to net charge-offs | 180.0000% | 1,191 |
| Earnings coverage of net charge-offs (x) | 18.4960% | 1,859 |
| Efficiency ratio | 62.2469% | 2,687 |
| Assets per employee ($millions) | 5.3771% | 3,277 |
| Cash dividends to net income (ytd only)* | 22.8222% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0644% | 354 |
| Loan loss allowance to noncurrent loans | 155.7373% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.2891% | 328 |
| Noncurrent loans to loans | 1.3256% | 576 |
| Net loans and leases to total assets | 67.0000% | 2,164 |
| Net loans and leases to deposits | 78.6363% | 2,181 |
| Net loans and leases to core deposits | 82.7016% | 2,421 |
| Total domestic deposits to total assets | 85.2000% | 2,444 |
| Equity capital to assets | 10.9074% | 1,381 |
| Core capital (leverage) ratio | 11.4164% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6649% | 1,390 |
| Memoranda: | ||
| Average total assets | $419,538,750 | 1,954 |
| Average earning assets | $387,160,750 | 1,959 |
| Average equity | $45,594,250 | 1,705 |
| Average total loans | $276,452,500 | 1,889 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8457% | 1,892 |
| Cost of funding earning assets | 0.8938% | 2,944 |
| Net interest margin | 3.9519% | 1,324 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.5214% | 2,147 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.9890% | 2,457 |
| Return on assets (ROA) | 0.9890% | 2,444 |
| Pretax return on assets | 1.3423% | 1,958 |
| Return on Equity (ROE) | 9.1100% | 2,956 |
| Retained earnings to average equity (ytd only) | 6.9066% | 2,314 |
| Net charge-offs to loans | 0.0103% | 1,815 |
| Credit loss provision to net charge-offs | 2,142.8571% | 245 |
| Earnings coverage of net charge-offs (x) | 221.7143% | 551 |
| Efficiency ratio | 62.9196% | 2,606 |
| Assets per employee ($millions) | 5.3700% | 3,262 |
| Cash dividends to net income (ytd only)* | 24.2014% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 321 |
| Loan loss allowance to noncurrent loans | 265.2572% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.9600% | 499 |
| Noncurrent loans to loans | 0.8196% | 935 |
| Net loans and leases to total assets | 67.0900% | 2,051 |
| Net loans and leases to deposits | 80.6484% | 1,926 |
| Net loans and leases to core deposits | 82.1198% | 2,327 |
| Total domestic deposits to total assets | 83.1900% | 3,003 |
| Equity capital to assets | 11.2597% | 1,287 |
| Core capital (leverage) ratio | 11.5820% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0394% | 1,313 |
| Memoranda: | ||
| Average total assets | $417,787,333 | 1,961 |
| Average earning assets | $386,443,000 | 1,957 |
| Average equity | $45,347,667 | 1,715 |
| Average total loans | $271,739,667 | 1,904 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 1,764 |
| Cost of funding earning assets | 0.7366% | 2,941 |
| Net interest margin | 4.0009% | 1,262 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.4447% | 2,382 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.1159% | 2,179 |
| Return on assets (ROA) | 1.1159% | 2,145 |
| Pretax return on assets | 1.4774% | 1,717 |
| Return on Equity (ROE) | 10.4700% | 2,641 |
| Retained earnings to average equity (ytd only) | 7.8055% | 2,276 |
| Net charge-offs to loans | 0.0299% | 1,108 |
| Credit loss provision to net charge-offs | 750.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 85.5500% | 863 |
| Efficiency ratio | 60.1537% | 2,941 |
| Assets per employee ($millions) | 5.4066% | 3,313 |
| Cash dividends to net income (ytd only)* | 25.4453% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1974% | 322 |
| Loan loss allowance to noncurrent loans | 415.4870% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7425% | 655 |
| Noncurrent loans to loans | 0.5289% | 1,399 |
| Net loans and leases to total assets | 64.2200% | 2,227 |
| Net loans and leases to deposits | 73.4460% | 2,339 |
| Net loans and leases to core deposits | 74.6969% | 2,623 |
| Total domestic deposits to total assets | 87.4400% | 2,115 |
| Equity capital to assets | 11.0897% | 1,308 |
| Core capital (leverage) ratio | 11.1443% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2441% | 1,317 |
| Memoranda: | ||
| Average total assets | $422,621,000 | 1,968 |
| Average earning assets | $391,007,500 | 1,968 |
| Average equity | $45,045,000 | 1,741 |
| Average total loans | $267,667,500 | 1,935 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 1,920 |
| Cost of funding earning assets | 0.2967% | 2,905 |
| Net interest margin | 3.6284% | 1,562 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.3574% | 2,558 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.9763% | 2,649 |
| Return on assets (ROA) | 0.9763% | 2,597 |
| Pretax return on assets | 1.2214% | 2,366 |
| Return on Equity (ROE) | 9.7400% | 2,887 |
| Retained earnings to average equity (ytd only) | 7.8809% | 1,883 |
| Net charge-offs to loans | 0.2285% | 353 |
| Credit loss provision to net charge-offs | 103.9861% | 1,529 |
| Earnings coverage of net charge-offs (x) | 10.2288% | 2,199 |
| Efficiency ratio | 63.4211% | 2,575 |
| Assets per employee ($millions) | 5.8802% | 2,871 |
| Cash dividends to net income (ytd only)* | 19.1128% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1841% | 317 |
| Loan loss allowance to noncurrent loans | 381.7643% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 657 |
| Noncurrent loans to loans | 0.5721% | 1,300 |
| Net loans and leases to total assets | 59.6900% | 2,662 |
| Net loans and leases to deposits | 67.5897% | 2,760 |
| Net loans and leases to core deposits | 68.3492% | 2,988 |
| Total domestic deposits to total assets | 88.3100% | 1,965 |
| Equity capital to assets | 10.3210% | 1,545 |
| Core capital (leverage) ratio | 10.6873% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4557% | 1,250 |
| Memoranda: | ||
| Average total assets | $434,081,400 | 1,910 |
| Average earning assets | $400,338,200 | 1,919 |
| Average equity | $43,497,600 | 1,803 |
| Average total loans | $252,527,000 | 1,923 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7378% | 1,933 |
| Cost of funding earning assets | 0.2338% | 2,884 |
| Net interest margin | 3.5039% | 1,654 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.2586% | 2,764 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.9051% | 2,847 |
| Return on assets (ROA) | 0.9051% | 2,825 |
| Pretax return on assets | 1.1525% | 2,549 |
| Return on Equity (ROE) | 9.1000% | 3,001 |
| Retained earnings to average equity (ytd only) | 6.5978% | 2,518 |
| Net charge-offs to loans | 0.1225% | 515 |
| Credit loss provision to net charge-offs | 196.5066% | 987 |
| Earnings coverage of net charge-offs (x) | 18.3406% | 1,766 |
| Efficiency ratio | 63.6332% | 2,601 |
| Assets per employee ($millions) | 5.8722% | 2,876 |
| Cash dividends to net income (ytd only)* | 27.5042% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3553% | 266 |
| Loan loss allowance to noncurrent loans | 289.8502% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8499% | 580 |
| Noncurrent loans to loans | 0.8126% | 982 |
| Net loans and leases to total assets | 57.2100% | 2,779 |
| Net loans and leases to deposits | 64.6953% | 2,810 |
| Net loans and leases to core deposits | 65.2169% | 3,006 |
| Total domestic deposits to total assets | 88.4400% | 2,297 |
| Equity capital to assets | 9.9790% | 1,636 |
| Core capital (leverage) ratio | 10.3080% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1209% | 1,398 |
| Memoranda: | ||
| Average total assets | $433,818,250 | 1,917 |
| Average earning assets | $399,692,750 | 1,929 |
| Average equity | $43,144,500 | 1,846 |
| Average total loans | $249,280,500 | 1,946 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5154% | 2,090 |
| Cost of funding earning assets | 0.1768% | 3,219 |
| Net interest margin | 3.3386% | 1,793 |
| Noninterest income to average assets | 0.3086% | 3,313 |
| Noninterest expense to average assets | 2.2543% | 2,695 |
| Loan and lease loss provision to assets | 0.1384% | 694 |
| Net operating income to assets | 0.7247% | 3,227 |
| Return on assets (ROA) | 0.7247% | 3,178 |
| Pretax return on assets | 0.9908% | 2,767 |
| Return on Equity (ROE) | 7.2948% | 3,221 |
| Retained earnings to average equity (ytd only) | 4.9731% | 2,719 |
| Net charge-offs to loans | 0.0655% | 764 |
| Credit loss provision to net charge-offs | 370.3704% | 724 |
| Earnings coverage of net charge-offs (x) | 30.2222% | 1,386 |
| Efficiency ratio | 66.6258% | 2,426 |
| Assets per employee ($millions) | 5.7945% | 2,930 |
| Cash dividends to net income (ytd only)* | 31.8269% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4290% | 280 |
| Loan loss allowance to noncurrent loans | 227.8981% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.9923% | 475 |
| Noncurrent loans to loans | 1.0658% | 775 |
| Net loans and leases to total assets | 56.1709% | 2,737 |
| Net loans and leases to deposits | 63.5557% | 2,762 |
| Net loans and leases to core deposits | 63.9497% | 2,973 |
| Total domestic deposits to total assets | 88.3806% | 2,431 |
| Equity capital to assets | 10.0674% | 1,679 |
| Core capital (leverage) ratio | 10.1531% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0988% | 1,162 |
| Memoranda: | ||
| Average total assets | $433,577,000 | 1,923 |
| Average earning assets | $399,326,000 | 1,947 |
| Average equity | $43,071,667 | 1,893 |
| Average total loans | $247,501,667 | 1,952 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4982% | 1,817 |
| Cost of funding earning assets | 0.1564% | 3,414 |
| Net interest margin | 3.3417% | 1,466 |
| Noninterest income to average assets | 0.2945% | 3,356 |
| Noninterest expense to average assets | 2.2901% | 2,538 |
| Loan and lease loss provision to assets | 0.1376% | 584 |
| Net operating income to assets | 0.6239% | 3,318 |
| Return on assets (ROA) | 0.6239% | 3,297 |
| Pretax return on assets | 0.9441% | 2,617 |
| Return on Equity (ROE) | 6.3221% | 3,240 |
| Retained earnings to average equity (ytd only) | 4.4627% | 2,791 |
| Net charge-offs to loans | -0.0097% | 3,573 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9184% | 2,517 |
| Assets per employee ($millions) | 6.1121% | 2,698 |
| Cash dividends to net income (ytd only)* | 29.4118% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3991% | 323 |
| Loan loss allowance to noncurrent loans | 250.6126% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.8362% | 649 |
| Noncurrent loans to loans | 0.9573% | 949 |
| Net loans and leases to total assets | 54.0873% | 2,750 |
| Net loans and leases to deposits | 60.8595% | 2,823 |
| Net loans and leases to core deposits | 63.0055% | 2,891 |
| Total domestic deposits to total assets | 88.8724% | 2,133 |
| Equity capital to assets | 9.6310% | 2,186 |
| Core capital (leverage) ratio | 10.0570% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3838% | 1,174 |
| Memoranda: | ||
| Average total assets | $435,970,500 | 1,924 |
| Average earning assets | $401,468,500 | 1,948 |
| Average equity | $43,023,500 | 1,949 |
| Average total loans | $247,827,000 | 1,952 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 1,340 |
| Cost of funding earning assets | 0.2130% | 3,341 |
| Net interest margin | 3.7964% | 1,016 |
| Noninterest income to average assets | 0.3639% | 3,250 |
| Noninterest expense to average assets | 2.3278% | 2,717 |
| Loan and lease loss provision to assets | 0.2233% | 450 |
| Net operating income to assets | 0.9988% | 2,670 |
| Return on assets (ROA) | 0.9988% | 2,740 |
| Pretax return on assets | 1.2921% | 2,383 |
| Return on Equity (ROE) | 10.1542% | 2,475 |
| Retained earnings to average equity (ytd only) | 5.4453% | 2,594 |
| Net charge-offs to loans | 0.0049% | 2,420 |
| Credit loss provision to net charge-offs | 6,923.0769% | 104 |
| Earnings coverage of net charge-offs (x) | 469.8462% | 289 |
| Efficiency ratio | 60.5707% | 3,068 |
| Assets per employee ($millions) | 5.9227% | 2,844 |
| Cash dividends to net income (ytd only)* | 46.3736% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3254% | 369 |
| Loan loss allowance to noncurrent loans | 250.8033% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8693% | 675 |
| Noncurrent loans to loans | 0.9272% | 1,091 |
| Net loans and leases to total assets | 56.8940% | 2,490 |
| Net loans and leases to deposits | 64.5484% | 2,639 |
| Net loans and leases to core deposits | 67.8792% | 2,658 |
| Total domestic deposits to total assets | 88.1417% | 1,961 |
| Equity capital to assets | 9.5018% | 3,146 |
| Core capital (leverage) ratio | 10.2498% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3714% | 1,182 |
| Memoranda: | ||
| Average total assets | $403,077,600 | 1,978 |
| Average earning assets | $369,404,000 | 2,006 |
| Average equity | $39,648,600 | 2,090 |
| Average total loans | $266,969,200 | 1,849 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 1,208 |
| Cost of funding earning assets | 0.2318% | 3,308 |
| Net interest margin | 3.9121% | 917 |
| Noninterest income to average assets | 0.3209% | 3,512 |
| Noninterest expense to average assets | 2.2733% | 2,826 |
| Loan and lease loss provision to assets | 0.2266% | 428 |
| Net operating income to assets | 1.0680% | 2,661 |
| Return on assets (ROA) | 1.0680% | 2,727 |
| Pretax return on assets | 1.4016% | 2,325 |
| Return on Equity (ROE) | 10.7595% | 2,459 |
| Retained earnings to average equity (ytd only) | 6.4753% | 2,626 |
| Net charge-offs to loans | -0.0103% | 3,679 |
| Credit loss provision to net charge-offs | -3,214.2857% | 4,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2674% | 3,223 |
| Assets per employee ($millions) | 5.6908% | 3,005 |
| Cash dividends to net income (ytd only)* | 39.8177% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1507% | 495 |
| Loan loss allowance to noncurrent loans | 108.8482% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.5949% | 298 |
| Noncurrent loans to loans | 1.9759% | 451 |
| Net loans and leases to total assets | 62.0145% | 2,001 |
| Net loans and leases to deposits | 70.8186% | 2,163 |
| Net loans and leases to core deposits | 74.7074% | 2,173 |
| Total domestic deposits to total assets | 87.5682% | 2,082 |
| Equity capital to assets | 9.8536% | 3,047 |
| Core capital (leverage) ratio | 10.5727% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2191% | 1,306 |
| Memoranda: | ||
| Average total assets | $397,238,250 | 2,018 |
| Average earning assets | $363,580,500 | 2,046 |
| Average equity | $39,431,000 | 2,127 |
| Average total loans | $271,613,500 | 1,864 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1758% | 1,223 |
| Cost of funding earning assets | 0.2537% | 3,251 |
| Net interest margin | 3.9221% | 929 |
| Noninterest income to average assets | 0.3221% | 3,500 |
| Noninterest expense to average assets | 2.2780% | 2,832 |
| Loan and lease loss provision to assets | 0.2290% | 459 |
| Net operating income to assets | 1.0690% | 2,651 |
| Return on assets (ROA) | 1.0690% | 2,728 |
| Pretax return on assets | 1.4023% | 2,334 |
| Return on Equity (ROE) | 10.7422% | 2,515 |
| Retained earnings to average equity (ytd only) | 6.8718% | 2,481 |
| Net charge-offs to loans | -0.0029% | 3,279 |
| Credit loss provision to net charge-offs | -11,250.0000% | 4,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2715% | 3,249 |
| Assets per employee ($millions) | 5.6842% | 2,921 |
| Cash dividends to net income (ytd only)* | 36.0305% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9574% | 662 |
| Loan loss allowance to noncurrent loans | 93.1161% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.6597% | 314 |
| Noncurrent loans to loans | 2.1021% | 446 |
| Net loans and leases to total assets | 66.3137% | 1,662 |
| Net loans and leases to deposits | 75.5980% | 1,859 |
| Net loans and leases to core deposits | 79.9633% | 1,890 |
| Total domestic deposits to total assets | 87.7188% | 1,975 |
| Equity capital to assets | 9.8717% | 2,981 |
| Core capital (leverage) ratio | 10.5747% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1919% | 1,564 |
| Memoranda: | ||
| Average total assets | $393,071,667 | 2,026 |
| Average earning assets | $359,497,000 | 2,057 |
| Average equity | $39,116,667 | 2,133 |
| Average total loans | $275,590,667 | 1,854 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4640% | 820 |
| Cost of funding earning assets | 0.2741% | 3,232 |
| Net interest margin | 4.1898% | 613 |
| Noninterest income to average assets | 0.3383% | 3,409 |
| Noninterest expense to average assets | 2.2939% | 2,811 |
| Loan and lease loss provision to assets | 0.2321% | 483 |
| Net operating income to assets | 1.2655% | 1,933 |
| Return on assets (ROA) | 1.2655% | 2,009 |
| Pretax return on assets | 1.6430% | 1,618 |
| Return on Equity (ROE) | 12.6642% | 1,764 |
| Retained earnings to average equity (ytd only) | 4.8510% | 3,273 |
| Net charge-offs to loans | 0.0202% | 1,335 |
| Credit loss provision to net charge-offs | 1,607.1429% | 292 |
| Earnings coverage of net charge-offs (x) | 129.8571% | 528 |
| Efficiency ratio | 55.0223% | 3,662 |
| Assets per employee ($millions) | 6.1172% | 2,477 |
| Cash dividends to net income (ytd only)* | 61.6952% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 833 |
| Loan loss allowance to noncurrent loans | 99.7848% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.5268% | 409 |
| Noncurrent loans to loans | 1.8295% | 624 |
| Net loans and leases to total assets | 68.9764% | 1,412 |
| Net loans and leases to deposits | 78.7387% | 1,641 |
| Net loans and leases to core deposits | 83.3610% | 1,729 |
| Total domestic deposits to total assets | 87.6016% | 2,046 |
| Equity capital to assets | 9.7981% | 2,898 |
| Core capital (leverage) ratio | 10.6945% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9327% | 1,915 |
| Memoranda: | ||
| Average total assets | $387,819,500 | 2,038 |
| Average earning assets | $354,572,000 | 2,060 |
| Average equity | $38,755,000 | 2,136 |
| Average total loans | $276,901,500 | 1,852 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 1,916 |
| Cost of funding earning assets | 0.5279% | 2,764 |
| Net interest margin | 3.7555% | 1,627 |
| Noninterest income to average assets | 0.3767% | 3,229 |
| Noninterest expense to average assets | 2.4734% | 2,933 |
| Loan and lease loss provision to assets | 0.2299% | 1,693 |
| Net operating income to assets | 0.8738% | 2,818 |
| Return on assets (ROA) | 0.8738% | 2,950 |
| Pretax return on assets | 1.0970% | 2,703 |
| Return on Equity (ROE) | 8.3552% | 2,670 |
| Retained earnings to average equity (ytd only) | 5.9147% | 1,834 |
| Net charge-offs to loans | 0.2651% | 652 |
| Credit loss provision to net charge-offs | 117.0213% | 2,660 |
| Earnings coverage of net charge-offs (x) | 6.7546% | 2,752 |
| Efficiency ratio | 65.0854% | 2,665 |
| Assets per employee ($millions) | 5.6423% | 2,695 |
| Cash dividends to net income (ytd only)* | 29.2092% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7814% | 885 |
| Loan loss allowance to noncurrent loans | 83.9602% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.8578% | 326 |
| Noncurrent loans to loans | 2.1218% | 515 |
| Net loans and leases to total assets | 71.3036% | 1,388 |
| Net loans and leases to deposits | 81.9571% | 1,667 |
| Net loans and leases to core deposits | 87.1930% | 1,774 |
| Total domestic deposits to total assets | 87.0012% | 1,951 |
| Equity capital to assets | 10.2745% | 2,856 |
| Core capital (leverage) ratio | 10.8842% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1472% | 1,805 |
| Memoranda: | ||
| Average total assets | $358,897,800 | 2,008 |
| Average earning assets | $327,175,200 | 2,041 |
| Average equity | $37,533,600 | 2,106 |
| Average total loans | $265,935,800 | 1,849 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 2,137 |
| Cost of funding earning assets | 0.5879% | 2,685 |
| Net interest margin | 3.6994% | 1,943 |
| Noninterest income to average assets | 0.3566% | 3,324 |
| Noninterest expense to average assets | 2.5038% | 2,829 |
| Loan and lease loss provision to assets | 0.2259% | 1,796 |
| Net operating income to assets | 0.7745% | 3,188 |
| Return on assets (ROA) | 0.7745% | 3,303 |
| Pretax return on assets | 0.9959% | 3,083 |
| Return on Equity (ROE) | 7.3712% | 3,066 |
| Retained earnings to average equity (ytd only) | 4.8055% | 2,649 |
| Net charge-offs to loans | 0.1354% | 1,070 |
| Credit loss provision to net charge-offs | 223.8806% | 2,024 |
| Earnings coverage of net charge-offs (x) | 12.1082% | 2,265 |
| Efficiency ratio | 67.2057% | 2,287 |
| Assets per employee ($millions) | 5.5372% | 2,674 |
| Cash dividends to net income (ytd only)* | 34.8080% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 726 |
| Loan loss allowance to noncurrent loans | 82.7547% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 2.0065% | 329 |
| Noncurrent loans to loans | 2.1753% | 545 |
| Net loans and leases to total assets | 75.0039% | 1,235 |
| Net loans and leases to deposits | 89.1868% | 1,352 |
| Net loans and leases to core deposits | 95.4799% | 1,501 |
| Total domestic deposits to total assets | 84.0976% | 2,783 |
| Equity capital to assets | 10.2384% | 3,023 |
| Core capital (leverage) ratio | 11.0100% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5075% | 1,997 |
| Memoranda: | ||
| Average total assets | $354,113,750 | 2,011 |
| Average earning assets | $322,494,250 | 2,042 |
| Average equity | $37,206,750 | 2,110 |
| Average total loans | $263,809,500 | 1,845 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 2,315 |
| Cost of funding earning assets | 0.6585% | 2,635 |
| Net interest margin | 3.7019% | 2,152 |
| Noninterest income to average assets | 0.3707% | 3,253 |
| Noninterest expense to average assets | 2.5728% | 2,760 |
| Loan and lease loss provision to assets | 0.2152% | 1,936 |
| Net operating income to assets | 0.7174% | 3,332 |
| Return on assets (ROA) | 0.7174% | 3,442 |
| Pretax return on assets | 0.9510% | 3,175 |
| Return on Equity (ROE) | 6.7663% | 3,221 |
| Retained earnings to average equity (ytd only) | 4.5686% | 2,669 |
| Net charge-offs to loans | 0.0676% | 1,570 |
| Credit loss provision to net charge-offs | 431.0345% | 1,341 |
| Earnings coverage of net charge-offs (x) | 23.3563% | 1,600 |
| Efficiency ratio | 68.8104% | 2,119 |
| Assets per employee ($millions) | 5.4806% | 2,657 |
| Cash dividends to net income (ytd only)* | 32.4800% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 657 |
| Loan loss allowance to noncurrent loans | 61.5553% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 2.5863% | 213 |
| Noncurrent loans to loans | 2.9186% | 342 |
| Net loans and leases to total assets | 75.2932% | 1,232 |
| Net loans and leases to deposits | 87.3800% | 1,619 |
| Net loans and leases to core deposits | 93.3694% | 1,800 |
| Total domestic deposits to total assets | 86.1676% | 1,939 |
| Equity capital to assets | 10.2093% | 3,006 |
| Core capital (leverage) ratio | 11.0209% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4262% | 2,025 |
| Memoranda: | ||
| Average total assets | $348,487,000 | 2,005 |
| Average earning assets | $317,079,333 | 2,044 |
| Average equity | $36,947,667 | 2,119 |
| Average total loans | $257,292,333 | 1,861 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 2,070 |
| Cost of funding earning assets | 0.7576% | 2,622 |
| Net interest margin | 3.8202% | 1,899 |
| Noninterest income to average assets | 0.4494% | 2,791 |
| Noninterest expense to average assets | 2.5489% | 3,135 |
| Loan and lease loss provision to assets | 0.1769% | 1,676 |
| Net operating income to assets | 0.9353% | 2,397 |
| Return on assets (ROA) | 0.9353% | 2,508 |
| Pretax return on assets | 1.2149% | 2,137 |
| Return on Equity (ROE) | 8.6485% | 2,260 |
| Retained earnings to average equity (ytd only) | 5.3112% | 2,151 |
| Net charge-offs to loans | -0.0098% | 4,072 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6812% | 3,120 |
| Assets per employee ($millions) | 4.9535% | 2,699 |
| Cash dividends to net income (ytd only)* | 38.5876% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 525 |
| Loan loss allowance to noncurrent loans | 58.4778% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 2.5003% | 272 |
| Noncurrent loans to loans | 3.3709% | 291 |
| Net loans and leases to total assets | 72.7115% | 1,820 |
| Net loans and leases to deposits | 85.0944% | 2,101 |
| Net loans and leases to core deposits | 91.3738% | 2,219 |
| Total domestic deposits to total assets | 85.4480% | 2,233 |
| Equity capital to assets | 10.9642% | 2,893 |
| Core capital (leverage) ratio | 11.5180% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2170% | 1,550 |
| Memoranda: | ||
| Average total assets | $339,129,000 | 2,002 |
| Average earning assets | $309,930,500 | 2,025 |
| Average equity | $36,677,000 | 2,125 |
| Average total loans | $245,170,000 | 1,896 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8843% | 1,798 |
| Cost of funding earning assets | 0.8543% | 2,403 |
| Net interest margin | 4.0300% | 1,751 |
| Noninterest income to average assets | 0.5853% | 2,298 |
| Noninterest expense to average assets | 2.7675% | 2,700 |
| Loan and lease loss provision to assets | 0.1869% | 1,102 |
| Net operating income to assets | 1.0432% | 2,685 |
| Return on assets (ROA) | 1.0432% | 2,778 |
| Pretax return on assets | 1.2923% | 2,529 |
| Return on Equity (ROE) | 9.6755% | 2,446 |
| Retained earnings to average equity (ytd only) | 8.1818% | 918 |
| Net charge-offs to loans | 0.1205% | 1,548 |
| Credit loss provision to net charge-offs | 210.5263% | 1,264 |
| Earnings coverage of net charge-offs (x) | 16.6632% | 2,151 |
| Efficiency ratio | 65.1680% | 2,902 |
| Assets per employee ($millions) | 5.0218% | 2,569 |
| Cash dividends to net income (ytd only)* | 15.4374% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9830% | 470 |
| Loan loss allowance to noncurrent loans | 94.4543% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.4786% | 690 |
| Noncurrent loans to loans | 2.0994% | 601 |
| Net loans and leases to total assets | 69.0299% | 2,538 |
| Net loans and leases to deposits | 80.4574% | 2,727 |
| Net loans and leases to core deposits | 86.2576% | 2,771 |
| Total domestic deposits to total assets | 85.7969% | 2,141 |
| Equity capital to assets | 10.5953% | 3,351 |
| Core capital (leverage) ratio | 12.0949% | 1,720 |
| Tier 1 risk-based capital ratio | 14.7857% | 2,872 |
| Total risk-based capital ratio | 16.0427% | 2,797 |
| Memoranda: | ||
| Average total assets | $321,046,800 | 2,034 |
| Average earning assets | $291,687,400 | 2,080 |
| Average equity | $34,613,200 | 2,161 |
| Average total loans | $236,607,600 | 1,911 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9697% | 1,620 |
| Cost of funding earning assets | 0.8719% | 2,361 |
| Net interest margin | 4.0977% | 1,620 |
| Noninterest income to average assets | 0.5659% | 2,377 |
| Noninterest expense to average assets | 2.7249% | 2,791 |
| Loan and lease loss provision to assets | 0.1899% | 942 |
| Net operating income to assets | 1.0563% | 2,757 |
| Return on assets (ROA) | 1.0563% | 2,837 |
| Pretax return on assets | 1.3699% | 2,423 |
| Return on Equity (ROE) | 9.7520% | 2,535 |
| Retained earnings to average equity (ytd only) | 7.7377% | 1,524 |
| Net charge-offs to loans | 0.0368% | 2,351 |
| Credit loss provision to net charge-offs | 692.3077% | 485 |
| Earnings coverage of net charge-offs (x) | 56.8645% | 1,094 |
| Efficiency ratio | 63.5970% | 3,081 |
| Assets per employee ($millions) | 4.6136% | 3,030 |
| Cash dividends to net income (ytd only)* | 20.6553% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0256% | 440 |
| Loan loss allowance to noncurrent loans | 92.9134% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.7108% | 595 |
| Noncurrent loans to loans | 2.1801% | 591 |
| Net loans and leases to total assets | 74.5899% | 1,703 |
| Net loans and leases to deposits | 88.3575% | 1,886 |
| Net loans and leases to core deposits | 95.0104% | 2,086 |
| Total domestic deposits to total assets | 84.4184% | 2,665 |
| Equity capital to assets | 11.2794% | 2,851 |
| Core capital (leverage) ratio | 12.0072% | 1,846 |
| Tier 1 risk-based capital ratio | 14.8597% | 2,919 |
| Total risk-based capital ratio | 16.1175% | 2,840 |
| Memoranda: | ||
| Average total assets | $315,938,250 | 2,071 |
| Average earning assets | $286,719,750 | 2,119 |
| Average equity | $34,221,250 | 2,195 |
| Average total loans | $235,636,250 | 1,932 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8992% | 1,757 |
| Cost of funding earning assets | 0.8496% | 2,398 |
| Net interest margin | 4.0496% | 1,765 |
| Noninterest income to average assets | 0.5274% | 2,531 |
| Noninterest expense to average assets | 2.7208% | 2,842 |
| Loan and lease loss provision to assets | 0.1895% | 932 |
| Net operating income to assets | 0.9947% | 2,942 |
| Return on assets (ROA) | 0.9947% | 3,006 |
| Pretax return on assets | 1.2896% | 2,599 |
| Return on Equity (ROE) | 9.3104% | 2,719 |
| Retained earnings to average equity (ytd only) | 7.7912% | 1,476 |
| Net charge-offs to loans | 0.0443% | 2,013 |
| Credit loss provision to net charge-offs | 576.9231% | 544 |
| Earnings coverage of net charge-offs (x) | 45.0385% | 1,175 |
| Efficiency ratio | 64.7820% | 3,008 |
| Assets per employee ($millions) | 4.7067% | 2,869 |
| Cash dividends to net income (ytd only)* | 16.3175% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9957% | 484 |
| Loan loss allowance to noncurrent loans | 106.6455% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.4597% | 781 |
| Noncurrent loans to loans | 1.8714% | 802 |
| Net loans and leases to total assets | 73.2218% | 2,019 |
| Net loans and leases to deposits | 86.5508% | 2,195 |
| Net loans and leases to core deposits | 93.1240% | 2,317 |
| Total domestic deposits to total assets | 84.5998% | 2,642 |
| Equity capital to assets | 11.0038% | 3,052 |
| Core capital (leverage) ratio | 11.9927% | 1,835 |
| Tier 1 risk-based capital ratio | 14.7637% | 2,934 |
| Total risk-based capital ratio | 16.0210% | 2,862 |
| Memoranda: | ||
| Average total assets | $316,677,000 | 2,073 |
| Average earning assets | $287,189,670 | 2,117 |
| Average equity | $33,833,000 | 2,208 |
| Average total loans | $234,567,330 | 1,946 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 1,769 |
| Cost of funding earning assets | 0.8379% | 2,337 |
| Net interest margin | 4.0129% | 1,814 |
| Noninterest income to average assets | 0.4991% | 2,557 |
| Noninterest expense to average assets | 2.7516% | 2,737 |
| Loan and lease loss provision to assets | 0.1891% | 865 |
| Net operating income to assets | 0.9264% | 3,134 |
| Return on assets (ROA) | 0.9264% | 3,170 |
| Pretax return on assets | 1.1924% | 2,833 |
| Return on Equity (ROE) | 8.8025% | 2,896 |
| Retained earnings to average equity (ytd only) | 5.7246% | 2,581 |
| Net charge-offs to loans | -0.0444% | 4,803 |
| Credit loss provision to net charge-offs | -576.9231% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5752% | 2,857 |
| Assets per employee ($millions) | 4.6782% | 2,945 |
| Cash dividends to net income (ytd only)* | 34.9660% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9435% | 562 |
| Loan loss allowance to noncurrent loans | 124.6634% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 1,065 |
| Noncurrent loans to loans | 1.5590% | 1,024 |
| Net loans and leases to total assets | 74.5304% | 1,711 |
| Net loans and leases to deposits | 88.3740% | 1,826 |
| Net loans and leases to core deposits | 93.4974% | 2,172 |
| Total domestic deposits to total assets | 84.3353% | 2,933 |
| Equity capital to assets | 10.7575% | 3,093 |
| Core capital (leverage) ratio | 11.5087% | 2,126 |
| Tier 1 risk-based capital ratio | 14.1344% | 3,283 |
| Total risk-based capital ratio | 15.3911% | 3,197 |
| Memoranda: | ||
| Average total assets | $317,342,500 | 2,079 |
| Average earning assets | $287,372,000 | 2,130 |
| Average equity | $33,399,500 | 2,225 |
| Average total loans | $234,049,000 | 1,965 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 1,921 |
| Cost of funding earning assets | 0.6054% | 2,677 |
| Net interest margin | 4.0672% | 1,778 |
| Noninterest income to average assets | 0.5218% | 2,707 |
| Noninterest expense to average assets | 2.8156% | 2,637 |
| Loan and lease loss provision to assets | 0.1176% | 1,868 |
| Net operating income to assets | 1.0244% | 2,911 |
| Return on assets (ROA) | 1.0244% | 2,898 |
| Pretax return on assets | 1.2789% | 2,584 |
| Return on Equity (ROE) | 10.0369% | 2,503 |
| Retained earnings to average equity (ytd only) | 8.2217% | 1,144 |
| Net charge-offs to loans | 0.0516% | 2,418 |
| Credit loss provision to net charge-offs | 310.3448% | 1,008 |
| Earnings coverage of net charge-offs (x) | 36.8448% | 1,404 |
| Efficiency ratio | 66.8451% | 2,734 |
| Assets per employee ($millions) | 4.7963% | 2,750 |
| Cash dividends to net income (ytd only)* | 18.0861% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9377% | 538 |
| Loan loss allowance to noncurrent loans | 131.6583% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 1.1228% | 1,187 |
| Noncurrent loans to loans | 1.4718% | 1,043 |
| Net loans and leases to total assets | 70.1439% | 2,544 |
| Net loans and leases to deposits | 82.5758% | 2,665 |
| Net loans and leases to core deposits | 87.1102% | 2,824 |
| Total domestic deposits to total assets | 84.9448% | 2,663 |
| Equity capital to assets | 10.1745% | 3,499 |
| Core capital (leverage) ratio | 11.6105% | 2,015 |
| Tier 1 risk-based capital ratio | 14.2818% | 3,172 |
| Total risk-based capital ratio | 15.5379% | 3,090 |
| Memoranda: | ||
| Average total assets | $306,046,200 | 2,115 |
| Average earning assets | $277,685,200 | 2,152 |
| Average equity | $31,234,600 | 2,269 |
| Average total loans | $224,691,200 | 1,991 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 1,924 |
| Cost of funding earning assets | 0.5595% | 2,795 |
| Net interest margin | 4.0606% | 1,756 |
| Noninterest income to average assets | 0.4831% | 2,960 |
| Noninterest expense to average assets | 2.7926% | 2,661 |
| Loan and lease loss provision to assets | 0.1191% | 1,701 |
| Net operating income to assets | 0.9904% | 3,124 |
| Return on assets (ROA) | 0.9904% | 3,133 |
| Pretax return on assets | 1.2631% | 2,758 |
| Return on Equity (ROE) | 9.6966% | 2,754 |
| Retained earnings to average equity (ytd only) | 7.2476% | 2,002 |
| Net charge-offs to loans | 0.0388% | 2,305 |
| Credit loss provision to net charge-offs | 415.3846% | 804 |
| Earnings coverage of net charge-offs (x) | 48.2025% | 1,195 |
| Efficiency ratio | 66.8921% | 2,730 |
| Assets per employee ($millions) | 4.5211% | 3,087 |
| Cash dividends to net income (ytd only)* | 25.2561% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9230% | 563 |
| Loan loss allowance to noncurrent loans | 142.6034% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.1046% | 1,302 |
| Noncurrent loans to loans | 1.3485% | 1,234 |
| Net loans and leases to total assets | 74.3384% | 1,928 |
| Net loans and leases to deposits | 88.1520% | 2,137 |
| Net loans and leases to core deposits | 93.1273% | 2,382 |
| Total domestic deposits to total assets | 84.3298% | 2,842 |
| Equity capital to assets | 10.4601% | 3,178 |
| Core capital (leverage) ratio | 11.5592% | 2,128 |
| Tier 1 risk-based capital ratio | 14.1655% | 3,288 |
| Total risk-based capital ratio | 15.4220% | 3,198 |
| Memoranda: | ||
| Average total assets | $302,220,000 | 2,148 |
| Average earning assets | $274,765,500 | 2,176 |
| Average equity | $30,869,250 | 2,289 |
| Average total loans | $223,398,500 | 2,003 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 1,959 |
| Cost of funding earning assets | 0.5062% | 2,966 |
| Net interest margin | 4.0344% | 1,746 |
| Noninterest income to average assets | 0.4980% | 2,879 |
| Noninterest expense to average assets | 2.8431% | 2,521 |
| Loan and lease loss provision to assets | 0.1192% | 1,663 |
| Net operating income to assets | 0.9424% | 3,261 |
| Return on assets (ROA) | 0.9424% | 3,271 |
| Pretax return on assets | 1.2040% | 2,929 |
| Return on Equity (ROE) | 9.3015% | 2,894 |
| Retained earnings to average equity (ytd only) | 7.2751% | 1,939 |
| Net charge-offs to loans | 0.0136% | 2,683 |
| Credit loss provision to net charge-offs | 1,200.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 133.2000% | 571 |
| Efficiency ratio | 68.2403% | 2,605 |
| Assets per employee ($millions) | 4.5725% | 3,008 |
| Cash dividends to net income (ytd only)* | 21.7850% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9486% | 565 |
| Loan loss allowance to noncurrent loans | 161.0825% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 1,507 |
| Noncurrent loans to loans | 1.2097% | 1,439 |
| Net loans and leases to total assets | 72.9474% | 2,127 |
| Net loans and leases to deposits | 85.9973% | 2,309 |
| Net loans and leases to core deposits | 90.9302% | 2,493 |
| Total domestic deposits to total assets | 84.8251% | 2,740 |
| Equity capital to assets | 10.3227% | 3,318 |
| Core capital (leverage) ratio | 11.4658% | 2,096 |
| Tier 1 risk-based capital ratio | 14.2472% | 3,236 |
| Total risk-based capital ratio | 15.5040% | 3,151 |
| Memoranda: | ||
| Average total assets | $301,989,330 | 2,159 |
| Average earning assets | $274,590,330 | 2,194 |
| Average equity | $30,597,330 | 2,318 |
| Average total loans | $221,333,000 | 2,021 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 2,004 |
| Cost of funding earning assets | 0.4667% | 3,071 |
| Net interest margin | 3.9906% | 1,755 |
| Noninterest income to average assets | 0.5389% | 2,583 |
| Noninterest expense to average assets | 2.8865% | 2,422 |
| Loan and lease loss provision to assets | 0.1192% | 1,583 |
| Net operating income to assets | 0.9335% | 3,138 |
| Return on assets (ROA) | 0.9335% | 3,158 |
| Pretax return on assets | 1.1679% | 2,897 |
| Return on Equity (ROE) | 9.3008% | 2,767 |
| Retained earnings to average equity (ytd only) | 5.2111% | 3,075 |
| Net charge-offs to loans | 0.0364% | 1,792 |
| Credit loss provision to net charge-offs | 450.0000% | 637 |
| Earnings coverage of net charge-offs (x) | 48.6000% | 961 |
| Efficiency ratio | 69.1624% | 2,635 |
| Assets per employee ($millions) | 4.7305% | 2,812 |
| Cash dividends to net income (ytd only)* | 43.9716% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9323% | 624 |
| Loan loss allowance to noncurrent loans | 147.4845% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 1.0031% | 1,564 |
| Noncurrent loans to loans | 1.3102% | 1,361 |
| Net loans and leases to total assets | 71.7493% | 2,213 |
| Net loans and leases to deposits | 84.2595% | 2,363 |
| Net loans and leases to core deposits | 89.0429% | 2,533 |
| Total domestic deposits to total assets | 85.1528% | 2,881 |
| Equity capital to assets | 10.0654% | 3,539 |
| Core capital (leverage) ratio | 11.0964% | 2,336 |
| Tier 1 risk-based capital ratio | 14.0869% | 3,334 |
| Total risk-based capital ratio | 15.3434% | 3,246 |
| Memoranda: | ||
| Average total assets | $302,093,000 | 2,177 |
| Average earning assets | $275,145,500 | 2,209 |
| Average equity | $30,320,000 | 2,344 |
| Average total loans | $219,741,000 | 2,041 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 2,185 |
| Cost of funding earning assets | 0.3321% | 3,852 |
| Net interest margin | 4.0170% | 1,700 |
| Noninterest income to average assets | 0.5910% | 2,493 |
| Noninterest expense to average assets | 2.9124% | 2,411 |
| Loan and lease loss provision to assets | 0.1374% | 1,665 |
| Net operating income to assets | 0.5857% | 4,076 |
| Return on assets (ROA) | 0.5857% | 4,112 |
| Pretax return on assets | 1.1584% | 2,952 |
| Return on Equity (ROE) | 5.5980% | 3,919 |
| Retained earnings to average equity (ytd only) | 4.0159% | 2,788 |
| Net charge-offs to loans | 0.0330% | 3,132 |
| Credit loss provision to net charge-offs | 590.9091% | 548 |
| Earnings coverage of net charge-offs (x) | 55.7424% | 1,008 |
| Efficiency ratio | 69.2082% | 2,666 |
| Assets per employee ($millions) | 4.5661% | 3,084 |
| Cash dividends to net income (ytd only)* | 28.2622% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 609 |
| Loan loss allowance to noncurrent loans | 147.9789% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 1.0210% | 1,500 |
| Noncurrent loans to loans | 1.3052% | 1,332 |
| Net loans and leases to total assets | 70.9345% | 2,378 |
| Net loans and leases to deposits | 83.4717% | 2,555 |
| Net loans and leases to core deposits | 86.3617% | 2,886 |
| Total domestic deposits to total assets | 84.9803% | 2,841 |
| Equity capital to assets | 10.0148% | 3,691 |
| Core capital (leverage) ratio | 11.2463% | 2,132 |
| Tier 1 risk-based capital ratio | 14.1741% | 3,272 |
| Total risk-based capital ratio | 15.4311% | 3,166 |
| Memoranda: | ||
| Average total assets | $283,925,400 | 2,263 |
| Average earning assets | $255,663,600 | 2,317 |
| Average equity | $29,707,200 | 2,378 |
| Average total loans | $200,268,600 | 2,153 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 2,234 |
| Cost of funding earning assets | 0.3027% | 4,100 |
| Net interest margin | 4.0082% | 1,671 |
| Noninterest income to average assets | 0.5413% | 2,771 |
| Noninterest expense to average assets | 2.8839% | 2,462 |
| Loan and lease loss provision to assets | 0.0954% | 2,191 |
| Net operating income to assets | 0.7717% | 3,638 |
| Return on assets (ROA) | 0.7717% | 3,690 |
| Pretax return on assets | 1.1618% | 3,059 |
| Return on Equity (ROE) | 7.2909% | 3,497 |
| Retained earnings to average equity (ytd only) | 5.1730% | 2,767 |
| Net charge-offs to loans | 0.0184% | 3,126 |
| Credit loss provision to net charge-offs | 740.7407% | 469 |
| Earnings coverage of net charge-offs (x) | 97.6272% | 698 |
| Efficiency ratio | 69.6418% | 2,593 |
| Assets per employee ($millions) | 4.3555% | 3,382 |
| Cash dividends to net income (ytd only)* | 29.0482% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9496% | 629 |
| Loan loss allowance to noncurrent loans | 118.3037% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.2582% | 1,289 |
| Noncurrent loans to loans | 1.6479% | 1,114 |
| Net loans and leases to total assets | 72.1075% | 2,239 |
| Net loans and leases to deposits | 87.6442% | 2,108 |
| Net loans and leases to core deposits | 88.8899% | 2,699 |
| Total domestic deposits to total assets | 82.2730% | 3,691 |
| Equity capital to assets | 10.6720% | 3,192 |
| Core capital (leverage) ratio | 11.8051% | 1,817 |
| Tier 1 risk-based capital ratio | 14.8063% | 3,012 |
| Total risk-based capital ratio | 16.0634% | 2,939 |
| Memoranda: | ||
| Average total assets | $279,565,750 | 2,308 |
| Average earning assets | $251,081,500 | 2,363 |
| Average equity | $29,588,750 | 2,402 |
| Average total loans | $195,840,500 | 2,198 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2124% | 2,426 |
| Cost of funding earning assets | 0.2871% | 4,218 |
| Net interest margin | 3.9253% | 1,851 |
| Noninterest income to average assets | 0.5503% | 2,715 |
| Noninterest expense to average assets | 2.9240% | 2,346 |
| Loan and lease loss provision to assets | 0.0862% | 2,262 |
| Net operating income to assets | 0.7213% | 3,749 |
| Return on assets (ROA) | 0.7213% | 3,821 |
| Pretax return on assets | 1.0762% | 3,279 |
| Return on Equity (ROE) | 6.8344% | 3,645 |
| Retained earnings to average equity (ytd only) | 5.4049% | 2,467 |
| Net charge-offs to loans | 0.0115% | 3,057 |
| Credit loss provision to net charge-offs | 1,090.9091% | 368 |
| Earnings coverage of net charge-offs (x) | 147.0909% | 509 |
| Efficiency ratio | 71.5541% | 2,423 |
| Assets per employee ($millions) | 4.1403% | 3,726 |
| Cash dividends to net income (ytd only)* | 20.9163% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9968% | 604 |
| Loan loss allowance to noncurrent loans | 120.0060% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.2607% | 1,327 |
| Noncurrent loans to loans | 1.6639% | 1,103 |
| Net loans and leases to total assets | 71.7525% | 2,244 |
| Net loans and leases to deposits | 83.9055% | 2,490 |
| Net loans and leases to core deposits | 84.4789% | 3,017 |
| Total domestic deposits to total assets | 85.5158% | 2,608 |
| Equity capital to assets | 10.9323% | 2,888 |
| Core capital (leverage) ratio | 11.6472% | 1,866 |
| Tier 1 risk-based capital ratio | 15.0554% | 2,898 |
| Total risk-based capital ratio | 16.3128% | 2,838 |
| Memoranda: | ||
| Average total assets | $278,386,000 | 2,320 |
| Average earning assets | $250,783,670 | 2,373 |
| Average equity | $29,380,670 | 2,417 |
| Average total loans | $191,721,000 | 2,245 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0368% | 2,910 |
| Cost of funding earning assets | 0.2674% | 4,381 |
| Net interest margin | 3.7693% | 2,227 |
| Noninterest income to average assets | 0.5837% | 2,492 |
| Noninterest expense to average assets | 2.9258% | 2,376 |
| Loan and lease loss provision to assets | 0.0854% | 2,107 |
| Net operating income to assets | 0.6549% | 3,913 |
| Return on assets (ROA) | 0.6549% | 3,949 |
| Pretax return on assets | 0.9639% | 3,527 |
| Return on Equity (ROE) | 6.3156% | 3,759 |
| Retained earnings to average equity (ytd only) | 3.4324% | 3,726 |
| Net charge-offs to loans | -0.0085% | 4,357 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6032% | 2,299 |
| Assets per employee ($millions) | 4.3838% | 3,366 |
| Cash dividends to net income (ytd only)* | 45.6522% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0619% | 596 |
| Loan loss allowance to noncurrent loans | 121.6508% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 1,472 |
| Noncurrent loans to loans | 1.6949% | 1,129 |
| Net loans and leases to total assets | 66.8742% | 2,839 |
| Net loans and leases to deposits | 77.6258% | 3,019 |
| Net loans and leases to core deposits | 78.1382% | 3,457 |
| Total domestic deposits to total assets | 86.1495% | 2,605 |
| Equity capital to assets | 10.4295% | 3,261 |
| Core capital (leverage) ratio | 11.3248% | 2,084 |
| Tier 1 risk-based capital ratio | 14.9117% | 3,009 |
| Total risk-based capital ratio | 16.1689% | 2,931 |
| Memoranda: | ||
| Average total assets | $280,947,500 | 2,319 |
| Average earning assets | $252,777,000 | 2,376 |
| Average equity | $29,134,000 | 2,437 |
| Average total loans | $187,547,500 | 2,294 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 2,474 |
| Cost of funding earning assets | 0.2532% | 4,535 |
| Net interest margin | 3.9511% | 1,785 |
| Noninterest income to average assets | 0.6676% | 2,330 |
| Noninterest expense to average assets | 3.0704% | 2,120 |
| Loan and lease loss provision to assets | 0.0911% | 2,537 |
| Net operating income to assets | 0.7219% | 3,682 |
| Return on assets (ROA) | 0.7219% | 3,795 |
| Pretax return on assets | 1.0471% | 3,306 |
| Return on Equity (ROE) | 6.6668% | 3,655 |
| Retained earnings to average equity (ytd only) | 4.1431% | 2,956 |
| Net charge-offs to loans | 0.0579% | 2,889 |
| Credit loss provision to net charge-offs | 230.7692% | 1,250 |
| Earnings coverage of net charge-offs (x) | 28.8365% | 1,463 |
| Efficiency ratio | 72.9552% | 2,431 |
| Assets per employee ($millions) | 4.1362% | 3,729 |
| Cash dividends to net income (ytd only)* | 37.8549% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1175% | 532 |
| Loan loss allowance to noncurrent loans | 102.3170% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.3916% | 1,234 |
| Noncurrent loans to loans | 2.0695% | 861 |
| Net loans and leases to total assets | 63.8674% | 3,374 |
| Net loans and leases to deposits | 74.0782% | 3,506 |
| Net loans and leases to core deposits | 74.4861% | 3,880 |
| Total domestic deposits to total assets | 86.2162% | 2,488 |
| Equity capital to assets | 10.3618% | 3,315 |
| Core capital (leverage) ratio | 11.6045% | 1,858 |
| Tier 1 risk-based capital ratio | 15.2302% | 2,872 |
| Total risk-based capital ratio | 16.4874% | 2,801 |
| Memoranda: | ||
| Average total assets | $263,484,200 | 2,407 |
| Average earning assets | $236,138,200 | 2,468 |
| Average equity | $28,529,600 | 2,479 |
| Average total loans | $179,567,800 | 2,317 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 2,363 |
| Cost of funding earning assets | 0.2502% | 4,600 |
| Net interest margin | 3.9936% | 1,678 |
| Noninterest income to average assets | 0.6403% | 2,476 |
| Noninterest expense to average assets | 3.0594% | 2,129 |
| Loan and lease loss provision to assets | 0.0926% | 2,376 |
| Net operating income to assets | 0.7088% | 3,796 |
| Return on assets (ROA) | 0.7088% | 3,934 |
| Pretax return on assets | 1.0706% | 3,349 |
| Return on Equity (ROE) | 6.4701% | 3,851 |
| Retained earnings to average equity (ytd only) | 3.0870% | 4,065 |
| Net charge-offs to loans | 0.0194% | 3,314 |
| Credit loss provision to net charge-offs | 692.3077% | 570 |
| Earnings coverage of net charge-offs (x) | 86.9126% | 723 |
| Efficiency ratio | 72.4525% | 2,504 |
| Assets per employee ($millions) | 3.9659% | 4,023 |
| Cash dividends to net income (ytd only)* | 52.2879% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1664% | 547 |
| Loan loss allowance to noncurrent loans | 100.0256% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.5193% | 1,172 |
| Noncurrent loans to loans | 2.1659% | 872 |
| Net loans and leases to total assets | 66.3503% | 3,059 |
| Net loans and leases to deposits | 77.9321% | 3,187 |
| Net loans and leases to core deposits | 78.3916% | 3,623 |
| Total domestic deposits to total assets | 85.1385% | 2,739 |
| Equity capital to assets | 10.8109% | 3,233 |
| Core capital (leverage) ratio | 11.9671% | 1,698 |
| Tier 1 risk-based capital ratio | 15.1773% | 2,961 |
| Total risk-based capital ratio | 16.4352% | 2,900 |
| Memoranda: | ||
| Average total assets | $259,039,250 | 2,454 |
| Average earning assets | $232,364,250 | 2,502 |
| Average equity | $28,376,000 | 2,510 |
| Average total loans | $178,579,250 | 2,328 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 2,396 |
| Cost of funding earning assets | 0.2482% | 4,679 |
| Net interest margin | 3.9843% | 1,688 |
| Noninterest income to average assets | 0.6067% | 2,583 |
| Noninterest expense to average assets | 3.0855% | 2,098 |
| Loan and lease loss provision to assets | 0.0935% | 2,285 |
| Net operating income to assets | 0.6635% | 3,982 |
| Return on assets (ROA) | 0.6635% | 4,121 |
| Pretax return on assets | 1.0038% | 3,570 |
| Return on Equity (ROE) | 6.0299% | 4,035 |
| Retained earnings to average equity (ytd only) | 2.4204% | 4,346 |
| Net charge-offs to loans | 0.0887% | 1,957 |
| Credit loss provision to net charge-offs | 151.8987% | 1,574 |
| Earnings coverage of net charge-offs (x) | 17.8354% | 1,860 |
| Efficiency ratio | 73.7665% | 2,392 |
| Assets per employee ($millions) | 3.9288% | 4,042 |
| Cash dividends to net income (ytd only)* | 59.8592% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1130% | 612 |
| Loan loss allowance to noncurrent loans | 97.8323% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.5461% | 1,222 |
| Noncurrent loans to loans | 2.1598% | 891 |
| Net loans and leases to total assets | 67.7294% | 2,819 |
| Net loans and leases to deposits | 79.3468% | 3,016 |
| Net loans and leases to core deposits | 79.7344% | 3,487 |
| Total domestic deposits to total assets | 85.3587% | 2,708 |
| Equity capital to assets | 10.9606% | 3,101 |
| Core capital (leverage) ratio | 11.8273% | 1,745 |
| Tier 1 risk-based capital ratio | 15.2667% | 2,951 |
| Total risk-based capital ratio | 16.5241% | 2,883 |
| Memoranda: | ||
| Average total assets | $256,814,330 | 2,476 |
| Average earning assets | $230,504,670 | 2,533 |
| Average equity | $28,259,330 | 2,515 |
| Average total loans | $178,037,000 | 2,333 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 2,416 |
| Cost of funding earning assets | 0.2423% | 4,781 |
| Net interest margin | 3.9730% | 1,700 |
| Noninterest income to average assets | 0.6652% | 2,193 |
| Noninterest expense to average assets | 3.0238% | 2,320 |
| Loan and lease loss provision to assets | 0.0939% | 2,125 |
| Net operating income to assets | 0.7450% | 3,510 |
| Return on assets (ROA) | 0.7450% | 3,616 |
| Pretax return on assets | 1.1144% | 3,036 |
| Return on Equity (ROE) | 6.7569% | 3,586 |
| Retained earnings to average equity (ytd only) | 3.7759% | 3,608 |
| Net charge-offs to loans | -0.3135% | 5,941 |
| Credit loss provision to net charge-offs | -43.1655% | 4,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4497% | 2,880 |
| Assets per employee ($millions) | 4.2518% | 3,489 |
| Cash dividends to net income (ytd only)* | 44.1176% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2080% | 584 |
| Loan loss allowance to noncurrent loans | 109.0583% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.4844% | 1,381 |
| Noncurrent loans to loans | 2.0246% | 1,046 |
| Net loans and leases to total assets | 67.4346% | 2,743 |
| Net loans and leases to deposits | 78.9063% | 2,905 |
| Net loans and leases to core deposits | 79.2905% | 3,386 |
| Total domestic deposits to total assets | 85.4616% | 2,929 |
| Equity capital to assets | 10.9118% | 3,032 |
| Core capital (leverage) ratio | 11.9339% | 1,652 |
| Tier 1 risk-based capital ratio | 15.4589% | 2,945 |
| Total risk-based capital ratio | 16.7177% | 2,868 |
| Memoranda: | ||
| Average total assets | $255,571,000 | 2,496 |
| Average earning assets | $229,447,500 | 2,553 |
| Average equity | $28,178,500 | 2,514 |
| Average total loans | $177,348,500 | 2,343 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3467% | 2,069 |
| Cost of funding earning assets | 0.2228% | 5,068 |
| Net interest margin | 4.1239% | 1,351 |
| Noninterest income to average assets | 0.6597% | 2,410 |
| Noninterest expense to average assets | 3.1288% | 2,152 |
| Loan and lease loss provision to assets | 0.1478% | 1,594 |
| Net operating income to assets | 0.7746% | 3,446 |
| Return on assets (ROA) | 0.7746% | 3,521 |
| Pretax return on assets | 1.0911% | 3,105 |
| Return on Equity (ROE) | 6.8719% | 3,581 |
| Retained earnings to average equity (ytd only) | 4.9855% | 2,429 |
| Net charge-offs to loans | 0.1599% | 1,774 |
| Credit loss provision to net charge-offs | 130.4348% | 2,004 |
| Earnings coverage of net charge-offs (x) | 10.9348% | 2,646 |
| Efficiency ratio | 71.6353% | 2,962 |
| Assets per employee ($millions) | 3.8748% | 4,168 |
| Cash dividends to net income (ytd only)* | 27.4510% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1325% | 661 |
| Loan loss allowance to noncurrent loans | 87.4738% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.7931% | 1,060 |
| Noncurrent loans to loans | 2.4379% | 772 |
| Net loans and leases to total assets | 68.3315% | 2,652 |
| Net loans and leases to deposits | 80.2528% | 2,794 |
| Net loans and leases to core deposits | 80.5432% | 3,289 |
| Total domestic deposits to total assets | 85.1453% | 3,018 |
| Equity capital to assets | 11.1864% | 2,644 |
| Core capital (leverage) ratio | 12.5640% | 1,317 |
| Tier 1 risk-based capital ratio | 15.3798% | 3,002 |
| Total risk-based capital ratio | 16.6373% | 2,933 |
| Memoranda: | ||
| Average total assets | $243,610,000 | 2,548 |
| Average earning assets | $219,037,600 | 2,596 |
| Average equity | $27,459,600 | 2,507 |
| Average total loans | $172,578,400 | 2,324 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 2,006 |
| Cost of funding earning assets | 0.2203% | 5,180 |
| Net interest margin | 4.1517% | 1,275 |
| Noninterest income to average assets | 0.6193% | 2,636 |
| Noninterest expense to average assets | 3.0646% | 2,317 |
| Loan and lease loss provision to assets | 0.1490% | 1,461 |
| Net operating income to assets | 0.7358% | 3,743 |
| Return on assets (ROA) | 0.7358% | 3,840 |
| Pretax return on assets | 1.1404% | 3,054 |
| Return on Equity (ROE) | 6.5148% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.9831% | 3,634 |
| Net charge-offs to loans | -0.0109% | 5,019 |
| Credit loss provision to net charge-offs | -1,928.5714% | 5,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3854% | 3,152 |
| Assets per employee ($millions) | 3.7009% | 4,443 |
| Cash dividends to net income (ytd only)* | 38.8597% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2572% | 606 |
| Loan loss allowance to noncurrent loans | 87.7583% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.9771% | 1,045 |
| Noncurrent loans to loans | 2.5721% | 778 |
| Net loans and leases to total assets | 71.1033% | 2,218 |
| Net loans and leases to deposits | 84.0992% | 2,398 |
| Net loans and leases to core deposits | 84.4192% | 2,993 |
| Total domestic deposits to total assets | 84.5469% | 3,200 |
| Equity capital to assets | 11.5023% | 2,506 |
| Core capital (leverage) ratio | 12.5620% | 1,377 |
| Tier 1 risk-based capital ratio | 15.4760% | 3,063 |
| Total risk-based capital ratio | 16.7353% | 2,986 |
| Memoranda: | ||
| Average total assets | $241,547,750 | 2,583 |
| Average earning assets | $217,288,000 | 2,628 |
| Average equity | $27,281,000 | 2,533 |
| Average total loans | $171,760,750 | 2,347 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2941% | 2,187 |
| Cost of funding earning assets | 0.2145% | 5,313 |
| Net interest margin | 4.0796% | 1,411 |
| Noninterest income to average assets | 0.6268% | 2,594 |
| Noninterest expense to average assets | 3.0445% | 2,414 |
| Loan and lease loss provision to assets | 0.1488% | 1,436 |
| Net operating income to assets | 0.7161% | 3,815 |
| Return on assets (ROA) | 0.7161% | 3,933 |
| Pretax return on assets | 1.1130% | 3,118 |
| Return on Equity (ROE) | 6.3791% | 3,945 |
| Retained earnings to average equity (ytd only) | 4.8469% | 2,962 |
| Net charge-offs to loans | -0.0047% | 4,719 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6989% | 3,217 |
| Assets per employee ($millions) | 3.7178% | 4,385 |
| Cash dividends to net income (ytd only)* | 24.0185% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2136% | 720 |
| Loan loss allowance to noncurrent loans | 104.4493% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.6563% | 1,447 |
| Noncurrent loans to loans | 2.1193% | 1,139 |
| Net loans and leases to total assets | 71.4806% | 2,074 |
| Net loans and leases to deposits | 84.5873% | 2,242 |
| Net loans and leases to core deposits | 85.0199% | 2,878 |
| Total domestic deposits to total assets | 84.5051% | 3,344 |
| Equity capital to assets | 11.5640% | 2,358 |
| Core capital (leverage) ratio | 12.3926% | 1,435 |
| Tier 1 risk-based capital ratio | 15.7120% | 2,991 |
| Total risk-based capital ratio | 16.9715% | 2,939 |
| Memoranda: | ||
| Average total assets | $241,877,000 | 2,597 |
| Average earning assets | $218,158,000 | 2,638 |
| Average equity | $27,151,330 | 2,554 |
| Average total loans | $170,682,330 | 2,369 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 2,363 |
| Cost of funding earning assets | 0.2141% | 5,373 |
| Net interest margin | 4.0117% | 1,513 |
| Noninterest income to average assets | 0.6676% | 2,320 |
| Noninterest expense to average assets | 3.0396% | 2,455 |
| Loan and lease loss provision to assets | 0.1476% | 1,374 |
| Net operating income to assets | 0.7267% | 3,659 |
| Return on assets (ROA) | 0.7267% | 3,797 |
| Pretax return on assets | 1.1072% | 3,039 |
| Return on Equity (ROE) | 6.5704% | 3,726 |
| Retained earnings to average equity (ytd only) | 3.4854% | 3,902 |
| Net charge-offs to loans | -0.0118% | 4,794 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7792% | 3,359 |
| Assets per employee ($millions) | 3.8767% | 4,205 |
| Cash dividends to net income (ytd only)* | 46.9526% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2174% | 789 |
| Loan loss allowance to noncurrent loans | 84.1387% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.9347% | 1,247 |
| Noncurrent loans to loans | 2.6354% | 904 |
| Net loans and leases to total assets | 67.9092% | 2,454 |
| Net loans and leases to deposits | 79.7456% | 2,586 |
| Net loans and leases to core deposits | 80.0612% | 3,157 |
| Total domestic deposits to total assets | 85.1574% | 3,327 |
| Equity capital to assets | 11.0929% | 2,874 |
| Core capital (leverage) ratio | 11.9831% | 1,648 |
| Tier 1 risk-based capital ratio | 15.6964% | 3,061 |
| Total risk-based capital ratio | 16.9557% | 2,995 |
| Memoranda: | ||
| Average total assets | $243,847,500 | 2,606 |
| Average earning assets | $220,457,500 | 2,638 |
| Average equity | $26,969,500 | 2,583 |
| Average total loans | $169,059,500 | 2,377 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 2,257 |
| Cost of funding earning assets | 0.2379% | 5,444 |
| Net interest margin | 4.1515% | 1,426 |
| Noninterest income to average assets | 0.6433% | 2,600 |
| Noninterest expense to average assets | 2.9882% | 2,877 |
| Loan and lease loss provision to assets | 0.1011% | 2,468 |
| Net operating income to assets | 0.9197% | 2,781 |
| Return on assets (ROA) | 0.9197% | 2,874 |
| Pretax return on assets | 1.3102% | 2,207 |
| Return on Equity (ROE) | 7.9888% | 3,142 |
| Retained earnings to average equity (ytd only) | 6.4884% | 1,648 |
| Net charge-offs to loans | 0.1576% | 2,459 |
| Credit loss provision to net charge-offs | 91.2548% | 2,622 |
| Earnings coverage of net charge-offs (x) | 12.7376% | 2,342 |
| Efficiency ratio | 67.9211% | 3,910 |
| Assets per employee ($millions) | 3.7944% | 4,355 |
| Cash dividends to net income (ytd only)* | 18.7815% | 3,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1756% | 848 |
| Loan loss allowance to noncurrent loans | 87.5986% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.8333% | 1,415 |
| Noncurrent loans to loans | 2.4836% | 1,024 |
| Net loans and leases to total assets | 67.8795% | 2,575 |
| Net loans and leases to deposits | 79.3979% | 2,796 |
| Net loans and leases to core deposits | 79.7124% | 3,325 |
| Total domestic deposits to total assets | 85.4929% | 3,086 |
| Equity capital to assets | 11.6620% | 2,291 |
| Core capital (leverage) ratio | 11.8779% | 1,708 |
| Tier 1 risk-based capital ratio | 16.1796% | 2,868 |
| Total risk-based capital ratio | 17.4400% | 2,805 |
| Memoranda: | ||
| Average total assets | $237,366,400 | 2,635 |
| Average earning assets | $214,765,400 | 2,663 |
| Average equity | $27,325,800 | 2,461 |
| Average total loans | $166,854,200 | 2,354 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4183% | 2,165 |
| Cost of funding earning assets | 0.2447% | 5,459 |
| Net interest margin | 4.1736% | 1,368 |
| Noninterest income to average assets | 0.5830% | 2,975 |
| Noninterest expense to average assets | 2.9474% | 2,967 |
| Loan and lease loss provision to assets | 0.1017% | 2,337 |
| Net operating income to assets | 0.8491% | 3,182 |
| Return on assets (ROA) | 0.8491% | 3,274 |
| Pretax return on assets | 1.3107% | 2,336 |
| Return on Equity (ROE) | 7.4009% | 3,496 |
| Retained earnings to average equity (ytd only) | 5.3820% | 2,834 |
| Net charge-offs to loans | 0.1963% | 1,903 |
| Credit loss provision to net charge-offs | 73.4694% | 2,704 |
| Earnings coverage of net charge-offs (x) | 10.2040% | 2,573 |
| Efficiency ratio | 67.6040% | 3,923 |
| Assets per employee ($millions) | 3.7050% | 4,480 |
| Cash dividends to net income (ytd only)* | 27.2786% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1952% | 955 |
| Loan loss allowance to noncurrent loans | 81.3468% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 2.0354% | 1,397 |
| Noncurrent loans to loans | 2.6986% | 1,056 |
| Net loans and leases to total assets | 69.1736% | 2,331 |
| Net loans and leases to deposits | 81.1433% | 2,527 |
| Net loans and leases to core deposits | 81.4787% | 3,152 |
| Total domestic deposits to total assets | 85.2487% | 3,243 |
| Equity capital to assets | 11.8419% | 2,197 |
| Core capital (leverage) ratio | 11.6886% | 1,916 |
| Tier 1 risk-based capital ratio | 16.2235% | 2,944 |
| Total risk-based capital ratio | 17.4844% | 2,889 |
| Memoranda: | ||
| Average total assets | $235,998,250 | 2,663 |
| Average earning assets | $213,559,000 | 2,691 |
| Average equity | $27,077,250 | 2,485 |
| Average total loans | $166,441,750 | 2,374 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 2,277 |
| Cost of funding earning assets | 0.2523% | 5,461 |
| Net interest margin | 4.1223% | 1,445 |
| Noninterest income to average assets | 0.5902% | 2,863 |
| Noninterest expense to average assets | 2.9165% | 3,111 |
| Loan and lease loss provision to assets | 0.1013% | 2,332 |
| Net operating income to assets | 0.8410% | 3,128 |
| Return on assets (ROA) | 0.8410% | 3,221 |
| Pretax return on assets | 1.2978% | 2,257 |
| Return on Equity (ROE) | 7.4081% | 3,415 |
| Retained earnings to average equity (ytd only) | 5.8462% | 2,419 |
| Net charge-offs to loans | -0.0503% | 5,878 |
| Credit loss provision to net charge-offs | -285.7143% | 5,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5797% | 4,089 |
| Assets per employee ($millions) | 3.8315% | 4,197 |
| Cash dividends to net income (ytd only)* | 21.0843% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2629% | 940 |
| Loan loss allowance to noncurrent loans | 80.0957% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 2.1435% | 1,437 |
| Noncurrent loans to loans | 2.8252% | 1,066 |
| Net loans and leases to total assets | 70.0191% | 2,082 |
| Net loans and leases to deposits | 81.7339% | 2,279 |
| Net loans and leases to core deposits | 82.5874% | 2,905 |
| Total domestic deposits to total assets | 85.6671% | 3,207 |
| Equity capital to assets | 11.5028% | 2,423 |
| Core capital (leverage) ratio | 11.5835% | 1,937 |
| Tier 1 risk-based capital ratio | 15.5944% | 3,301 |
| Total risk-based capital ratio | 16.8560% | 3,244 |
| Memoranda: | ||
| Average total assets | $236,858,670 | 2,659 |
| Average earning assets | $214,056,670 | 2,697 |
| Average equity | $26,889,330 | 2,487 |
| Average total loans | $166,893,330 | 2,372 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3041% | 2,501 |
| Cost of funding earning assets | 0.2636% | 5,457 |
| Net interest margin | 4.0404% | 1,627 |
| Noninterest income to average assets | 0.6359% | 2,542 |
| Noninterest expense to average assets | 2.9242% | 3,142 |
| Loan and lease loss provision to assets | 0.1015% | 2,229 |
| Net operating income to assets | 0.8473% | 2,908 |
| Return on assets (ROA) | 0.8473% | 2,982 |
| Pretax return on assets | 1.2650% | 2,232 |
| Return on Equity (ROE) | 7.5136% | 3,192 |
| Retained earnings to average equity (ytd only) | 4.3642% | 3,508 |
| Net charge-offs to loans | -0.0702% | 5,956 |
| Credit loss provision to net charge-offs | -206.8966% | 4,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1514% | 4,158 |
| Assets per employee ($millions) | 3.8111% | 4,299 |
| Cash dividends to net income (ytd only)* | 41.9162% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2504% | 1,097 |
| Loan loss allowance to noncurrent loans | 67.5729% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 2.4864% | 1,289 |
| Noncurrent loans to loans | 3.3304% | 912 |
| Net loans and leases to total assets | 69.4497% | 1,988 |
| Net loans and leases to deposits | 80.4027% | 2,239 |
| Net loans and leases to core deposits | 81.2370% | 2,822 |
| Total domestic deposits to total assets | 86.3773% | 3,170 |
| Equity capital to assets | 11.3535% | 2,373 |
| Core capital (leverage) ratio | 11.3220% | 2,113 |
| Tier 1 risk-based capital ratio | 15.4923% | 3,436 |
| Total risk-based capital ratio | 16.7537% | 3,398 |
| Memoranda: | ||
| Average total assets | $236,512,500 | 2,672 |
| Average earning assets | $213,938,000 | 2,710 |
| Average equity | $26,671,500 | 2,493 |
| Average total loans | $165,249,000 | 2,392 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 1,690 |
| Cost of funding earning assets | 0.3513% | 5,122 |
| Net interest margin | 4.3078% | 1,091 |
| Noninterest income to average assets | 0.7127% | 2,466 |
| Noninterest expense to average assets | 2.9916% | 3,081 |
| Loan and lease loss provision to assets | 0.3455% | 922 |
| Net operating income to assets | 0.7927% | 3,326 |
| Return on assets (ROA) | 0.7927% | 3,427 |
| Pretax return on assets | 1.2318% | 2,448 |
| Return on Equity (ROE) | 7.4116% | 3,351 |
| Retained earnings to average equity (ytd only) | 5.7606% | 2,127 |
| Net charge-offs to loans | 0.1082% | 3,749 |
| Credit loss provision to net charge-offs | 464.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 21.1829% | 1,506 |
| Efficiency ratio | 65.4777% | 4,656 |
| Assets per employee ($millions) | 3.9456% | 3,974 |
| Cash dividends to net income (ytd only)* | 22.2759% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2691% | 1,082 |
| Loan loss allowance to noncurrent loans | 68.6256% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 2.3908% | 1,451 |
| Noncurrent loans to loans | 3.3065% | 989 |
| Net loans and leases to total assets | 67.1330% | 2,496 |
| Net loans and leases to deposits | 77.6307% | 2,773 |
| Net loans and leases to core deposits | 78.7014% | 3,276 |
| Total domestic deposits to total assets | 86.4773% | 3,006 |
| Equity capital to assets | 11.2007% | 2,426 |
| Core capital (leverage) ratio | 11.4969% | 1,963 |
| Tier 1 risk-based capital ratio | 15.4741% | 3,388 |
| Total risk-based capital ratio | 16.7351% | 3,339 |
| Memoranda: | ||
| Average total assets | $235,024,600 | 2,669 |
| Average earning assets | $210,387,200 | 2,718 |
| Average equity | $25,136,400 | 2,615 |
| Average total loans | $161,703,600 | 2,401 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 1,975 |
| Cost of funding earning assets | 0.3680% | 5,118 |
| Net interest margin | 4.2028% | 1,324 |
| Noninterest income to average assets | 0.6610% | 2,821 |
| Noninterest expense to average assets | 3.0679% | 2,765 |
| Loan and lease loss provision to assets | 0.3529% | 905 |
| Net operating income to assets | 0.6303% | 4,216 |
| Return on assets (ROA) | 0.6303% | 4,341 |
| Pretax return on assets | 0.9923% | 3,529 |
| Return on Equity (ROE) | 5.9643% | 4,211 |
| Retained earnings to average equity (ytd only) | 3.7324% | 4,038 |
| Net charge-offs to loans | 0.3988% | 1,607 |
| Credit loss provision to net charge-offs | 128.5714% | 1,836 |
| Earnings coverage of net charge-offs (x) | 4.9006% | 3,333 |
| Efficiency ratio | 69.5171% | 3,834 |
| Assets per employee ($millions) | 3.7584% | 4,327 |
| Cash dividends to net income (ytd only)* | 37.4211% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9740% | 1,786 |
| Loan loss allowance to noncurrent loans | 54.8676% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 2.7074% | 1,391 |
| Noncurrent loans to loans | 3.5977% | 1,047 |
| Net loans and leases to total assets | 69.0977% | 2,122 |
| Net loans and leases to deposits | 80.3944% | 2,358 |
| Net loans and leases to core deposits | 81.6580% | 2,916 |
| Total domestic deposits to total assets | 85.9483% | 3,288 |
| Equity capital to assets | 10.9761% | 2,778 |
| Core capital (leverage) ratio | 11.0089% | 2,469 |
| Tier 1 risk-based capital ratio | 14.8218% | 3,863 |
| Total risk-based capital ratio | 16.0798% | 3,816 |
| Memoranda: | ||
| Average total assets | $234,596,750 | 2,689 |
| Average earning assets | $209,440,750 | 2,749 |
| Average equity | $24,791,500 | 2,668 |
| Average total loans | $161,475,000 | 2,413 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 1,805 |
| Cost of funding earning assets | 0.3774% | 5,167 |
| Net interest margin | 4.2360% | 1,182 |
| Noninterest income to average assets | 0.6481% | 2,923 |
| Noninterest expense to average assets | 3.0892% | 2,696 |
| Loan and lease loss provision to assets | 0.3494% | 955 |
| Net operating income to assets | 0.5500% | 4,555 |
| Return on assets (ROA) | 0.5500% | 4,721 |
| Pretax return on assets | 0.9891% | 3,559 |
| Return on Equity (ROE) | 5.2701% | 4,581 |
| Retained earnings to average equity (ytd only) | 3.6080% | 4,021 |
| Net charge-offs to loans | -0.0384% | 6,167 |
| Credit loss provision to net charge-offs | -1,332.2581% | 6,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7688% | 3,872 |
| Assets per employee ($millions) | 3.7647% | 4,274 |
| Cash dividends to net income (ytd only)* | 31.5385% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1507% | 1,526 |
| Loan loss allowance to noncurrent loans | 58.1794% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 2.8165% | 1,463 |
| Noncurrent loans to loans | 3.6967% | 1,105 |
| Net loans and leases to total assets | 68.1443% | 2,203 |
| Net loans and leases to deposits | 78.8572% | 2,473 |
| Net loans and leases to core deposits | 80.0635% | 3,014 |
| Total domestic deposits to total assets | 86.4148% | 3,159 |
| Equity capital to assets | 10.6825% | 3,080 |
| Core capital (leverage) ratio | 10.6273% | 2,735 |
| Tier 1 risk-based capital ratio | 14.4309% | 4,142 |
| Total risk-based capital ratio | 15.6906% | 4,101 |
| Memoranda: | ||
| Average total assets | $236,375,330 | 2,680 |
| Average earning assets | $210,906,670 | 2,733 |
| Average equity | $24,667,330 | 2,702 |
| Average total loans | $161,432,000 | 2,419 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5122% | 2,126 |
| Cost of funding earning assets | 0.3817% | 5,269 |
| Net interest margin | 4.1305% | 1,373 |
| Noninterest income to average assets | 0.6155% | 3,049 |
| Noninterest expense to average assets | 3.1599% | 2,484 |
| Loan and lease loss provision to assets | 0.3027% | 1,138 |
| Net operating income to assets | 0.4843% | 4,756 |
| Return on assets (ROA) | 0.4843% | 4,912 |
| Pretax return on assets | 0.8291% | 4,046 |
| Return on Equity (ROE) | 4.6955% | 4,744 |
| Retained earnings to average equity (ytd only) | 1.3532% | 5,307 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6285% | 3,328 |
| Assets per employee ($millions) | 3.7253% | 4,504 |
| Cash dividends to net income (ytd only)* | 71.1806% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9703% | 2,119 |
| Loan loss allowance to noncurrent loans | 54.7797% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 2.7640% | 1,642 |
| Noncurrent loans to loans | 3.5968% | 1,323 |
| Net loans and leases to total assets | 68.5157% | 1,921 |
| Net loans and leases to deposits | 78.8873% | 2,227 |
| Net loans and leases to core deposits | 79.8775% | 2,824 |
| Total domestic deposits to total assets | 86.8527% | 3,045 |
| Equity capital to assets | 10.4698% | 3,571 |
| Core capital (leverage) ratio | 10.3404% | 2,981 |
| Tier 1 risk-based capital ratio | 13.9997% | 4,500 |
| Total risk-based capital ratio | 15.2568% | 4,457 |
| Memoranda: | ||
| Average total assets | $237,858,500 | 2,696 |
| Average earning assets | $211,692,500 | 2,749 |
| Average equity | $24,534,000 | 2,753 |
| Average total loans | $160,872,500 | 2,437 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7615% | 2,356 |
| Cost of funding earning assets | 0.4596% | 5,503 |
| Net interest margin | 4.3019% | 1,396 |
| Noninterest income to average assets | 0.8120% | 2,210 |
| Noninterest expense to average assets | 3.1421% | 2,802 |
| Loan and lease loss provision to assets | 0.4058% | 1,595 |
| Net operating income to assets | 0.7354% | 3,584 |
| Return on assets (ROA) | 0.7354% | 3,825 |
| Pretax return on assets | 1.0911% | 3,190 |
| Return on Equity (ROE) | 6.9845% | 3,645 |
| Retained earnings to average equity (ytd only) | 5.2804% | 2,518 |
| Net charge-offs to loans | 0.3593% | 2,835 |
| Credit loss provision to net charge-offs | 166.8488% | 1,590 |
| Earnings coverage of net charge-offs (x) | 6.1548% | 2,862 |
| Efficiency ratio | 67.7330% | 4,200 |
| Assets per employee ($millions) | 3.8875% | 4,181 |
| Cash dividends to net income (ytd only)* | 24.3976% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9352% | 2,183 |
| Loan loss allowance to noncurrent loans | 64.4562% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 2.1998% | 2,231 |
| Noncurrent loans to loans | 3.0023% | 1,735 |
| Net loans and leases to total assets | 64.1676% | 2,874 |
| Net loans and leases to deposits | 73.5067% | 3,173 |
| Net loans and leases to core deposits | 74.3988% | 3,730 |
| Total domestic deposits to total assets | 87.2949% | 2,648 |
| Equity capital to assets | 10.1634% | 3,943 |
| Core capital (leverage) ratio | 10.7971% | 2,445 |
| Tier 1 risk-based capital ratio | 14.2039% | 4,243 |
| Total risk-based capital ratio | 15.4593% | 4,196 |
| Memoranda: | ||
| Average total assets | $225,737,400 | 2,778 |
| Average earning assets | $200,819,200 | 2,838 |
| Average equity | $23,767,000 | 2,769 |
| Average total loans | $152,800,800 | 2,532 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8451% | 2,218 |
| Cost of funding earning assets | 0.4822% | 5,555 |
| Net interest margin | 4.3629% | 1,314 |
| Noninterest income to average assets | 0.8111% | 2,187 |
| Noninterest expense to average assets | 3.1368% | 2,772 |
| Loan and lease loss provision to assets | 0.4422% | 1,426 |
| Net operating income to assets | 0.6669% | 4,054 |
| Return on assets (ROA) | 0.6669% | 4,324 |
| Pretax return on assets | 1.1133% | 3,301 |
| Return on Equity (ROE) | 6.2751% | 4,187 |
| Retained earnings to average equity (ytd only) | 3.9855% | 4,078 |
| Net charge-offs to loans | 0.1214% | 4,162 |
| Credit loss provision to net charge-offs | 533.3333% | 505 |
| Earnings coverage of net charge-offs (x) | 18.7604% | 1,534 |
| Efficiency ratio | 66.8502% | 4,277 |
| Assets per employee ($millions) | 3.8084% | 4,287 |
| Cash dividends to net income (ytd only)* | 36.4868% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1035% | 1,896 |
| Loan loss allowance to noncurrent loans | 94.0149% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.7860% | 2,934 |
| Noncurrent loans to loans | 2.2374% | 2,573 |
| Net loans and leases to total assets | 66.8658% | 2,491 |
| Net loans and leases to deposits | 77.1773% | 2,777 |
| Net loans and leases to core deposits | 78.1764% | 3,430 |
| Total domestic deposits to total assets | 86.6392% | 2,889 |
| Equity capital to assets | 10.4965% | 3,853 |
| Core capital (leverage) ratio | 10.8982% | 2,491 |
| Tier 1 risk-based capital ratio | 14.3614% | 4,288 |
| Total risk-based capital ratio | 15.6189% | 4,254 |
| Memoranda: | ||
| Average total assets | $221,916,250 | 2,838 |
| Average earning assets | $197,418,750 | 2,893 |
| Average equity | $23,584,750 | 2,814 |
| Average total loans | $151,573,500 | 2,583 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8675% | 2,238 |
| Cost of funding earning assets | 0.5075% | 5,568 |
| Net interest margin | 4.3601% | 1,307 |
| Noninterest income to average assets | 0.8993% | 1,792 |
| Noninterest expense to average assets | 3.1795% | 2,654 |
| Loan and lease loss provision to assets | 0.5061% | 1,243 |
| Net operating income to assets | 0.6263% | 4,244 |
| Return on assets (ROA) | 0.6263% | 4,493 |
| Pretax return on assets | 1.0850% | 3,357 |
| Return on Equity (ROE) | 5.8675% | 4,383 |
| Retained earnings to average equity (ytd only) | 4.1618% | 3,838 |
| Net charge-offs to loans | 0.0960% | 4,198 |
| Credit loss provision to net charge-offs | 772.2222% | 407 |
| Earnings coverage of net charge-offs (x) | 24.2778% | 1,224 |
| Efficiency ratio | 66.6476% | 4,396 |
| Assets per employee ($millions) | 3.5504% | 4,868 |
| Cash dividends to net income (ytd only)* | 29.0698% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0633% | 2,072 |
| Loan loss allowance to noncurrent loans | 100.1264% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.9638% | 2,827 |
| Noncurrent loans to loans | 2.0607% | 2,877 |
| Net loans and leases to total assets | 69.4545% | 2,016 |
| Net loans and leases to deposits | 80.7671% | 2,271 |
| Net loans and leases to core deposits | 81.8767% | 2,976 |
| Total domestic deposits to total assets | 85.9936% | 3,354 |
| Equity capital to assets | 10.9613% | 3,162 |
| Core capital (leverage) ratio | 10.8157% | 2,463 |
| Tier 1 risk-based capital ratio | 14.4668% | 4,125 |
| Total risk-based capital ratio | 15.7250% | 4,084 |
| Memoranda: | ||
| Average total assets | $219,720,330 | 2,871 |
| Average earning assets | $195,089,330 | 2,938 |
| Average equity | $23,451,330 | 2,812 |
| Average total loans | $150,073,330 | 2,615 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 2,291 |
| Cost of funding earning assets | 0.5275% | 5,622 |
| Net interest margin | 4.3608% | 1,312 |
| Noninterest income to average assets | 0.9002% | 1,746 |
| Noninterest expense to average assets | 3.1921% | 2,627 |
| Loan and lease loss provision to assets | 0.5152% | 1,171 |
| Net operating income to assets | 0.6164% | 4,281 |
| Return on assets (ROA) | 0.6164% | 4,490 |
| Pretax return on assets | 1.0628% | 3,461 |
| Return on Equity (ROE) | 5.8522% | 4,373 |
| Retained earnings to average equity (ytd only) | 2.4198% | 5,052 |
| Net charge-offs to loans | -0.0324% | 6,375 |
| Credit loss provision to net charge-offs | -2,375.0000% | 6,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9193% | 4,373 |
| Assets per employee ($millions) | 3.6170% | 4,837 |
| Cash dividends to net income (ytd only)* | 58.6510% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0211% | 2,294 |
| Loan loss allowance to noncurrent loans | 119.4233% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 1.6085% | 3,435 |
| Noncurrent loans to loans | 1.6924% | 3,571 |
| Net loans and leases to total assets | 65.5215% | 2,556 |
| Net loans and leases to deposits | 75.6448% | 2,853 |
| Net loans and leases to core deposits | 76.4509% | 3,564 |
| Total domestic deposits to total assets | 86.6173% | 3,163 |
| Equity capital to assets | 10.5975% | 3,379 |
| Core capital (leverage) ratio | 10.5824% | 2,661 |
| Tier 1 risk-based capital ratio | 14.5861% | 4,032 |
| Total risk-based capital ratio | 15.8435% | 3,984 |
| Memoranda: | ||
| Average total assets | $221,294,500 | 2,876 |
| Average earning assets | $196,388,000 | 2,939 |
| Average equity | $23,307,500 | 2,819 |
| Average total loans | $148,316,000 | 2,657 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0809% | 2,524 |
| Cost of funding earning assets | 0.6272% | 5,944 |
| Net interest margin | 4.4537% | 1,250 |
| Noninterest income to average assets | 0.6827% | 2,702 |
| Noninterest expense to average assets | 3.2651% | 2,635 |
| Loan and lease loss provision to assets | 0.3008% | 3,261 |
| Net operating income to assets | 0.7078% | 3,451 |
| Return on assets (ROA) | 0.7078% | 3,636 |
| Pretax return on assets | 1.0132% | 3,194 |
| Return on Equity (ROE) | 6.7370% | 3,521 |
| Retained earnings to average equity (ytd only) | 4.9541% | 2,679 |
| Net charge-offs to loans | 0.5670% | 2,753 |
| Credit loss provision to net charge-offs | 79.9031% | 4,459 |
| Earnings coverage of net charge-offs (x) | 3.4903% | 3,499 |
| Efficiency ratio | 71.3049% | 3,732 |
| Assets per employee ($millions) | 3.4680% | 5,104 |
| Cash dividends to net income (ytd only)* | 26.4649% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8010% | 2,868 |
| Loan loss allowance to noncurrent loans | 135.8806% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 1.4413% | 3,826 |
| Noncurrent loans to loans | 1.3254% | 4,162 |
| Net loans and leases to total assets | 65.9604% | 2,793 |
| Net loans and leases to deposits | 75.9515% | 3,187 |
| Net loans and leases to core deposits | 76.7534% | 3,871 |
| Total domestic deposits to total assets | 86.8454% | 2,850 |
| Equity capital to assets | 10.4675% | 3,570 |
| Core capital (leverage) ratio | 10.6827% | 2,540 |
| Tier 1 risk-based capital ratio | 14.3868% | 4,052 |
| Total risk-based capital ratio | 15.6419% | 4,018 |
| Memoranda: | ||
| Average total assets | $219,408,600 | 2,843 |
| Average earning assets | $191,954,800 | 2,946 |
| Average equity | $23,051,800 | 2,778 |
| Average total loans | $145,687,400 | 2,702 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1294% | 2,474 |
| Cost of funding earning assets | 0.6471% | 6,050 |
| Net interest margin | 4.4823% | 1,190 |
| Noninterest income to average assets | 0.7045% | 2,579 |
| Noninterest expense to average assets | 3.2947% | 2,514 |
| Loan and lease loss provision to assets | 0.3291% | 2,908 |
| Net operating income to assets | 0.6088% | 4,048 |
| Return on assets (ROA) | 0.6088% | 4,233 |
| Pretax return on assets | 0.9855% | 3,456 |
| Return on Equity (ROE) | 5.7895% | 4,123 |
| Retained earnings to average equity (ytd only) | 3.4076% | 4,311 |
| Net charge-offs to loans | 0.6435% | 2,320 |
| Credit loss provision to net charge-offs | 77.2532% | 4,236 |
| Earnings coverage of net charge-offs (x) | 3.0858% | 3,591 |
| Efficiency ratio | 71.4796% | 3,656 |
| Assets per employee ($millions) | 3.2512% | 5,569 |
| Cash dividends to net income (ytd only)* | 41.1413% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8684% | 2,718 |
| Loan loss allowance to noncurrent loans | 178.6330% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 1.3585% | 4,106 |
| Noncurrent loans to loans | 1.0460% | 4,811 |
| Net loans and leases to total assets | 65.8895% | 2,924 |
| Net loans and leases to deposits | 75.8555% | 3,349 |
| Net loans and leases to core deposits | 76.4787% | 4,139 |
| Total domestic deposits to total assets | 86.8619% | 2,735 |
| Equity capital to assets | 10.8560% | 3,282 |
| Core capital (leverage) ratio | 10.7089% | 2,653 |
| Tier 1 risk-based capital ratio | 15.0033% | 3,657 |
| Total risk-based capital ratio | 16.2591% | 3,625 |
| Memoranda: | ||
| Average total assets | $218,772,500 | 2,852 |
| Average earning assets | $190,583,000 | 2,969 |
| Average equity | $23,006,500 | 2,777 |
| Average total loans | $144,837,750 | 2,732 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 2,676 |
| Cost of funding earning assets | 0.6566% | 6,195 |
| Net interest margin | 4.4449% | 1,256 |
| Noninterest income to average assets | 0.7231% | 2,418 |
| Noninterest expense to average assets | 3.1776% | 2,981 |
| Loan and lease loss provision to assets | 0.3270% | 2,827 |
| Net operating income to assets | 0.6368% | 3,877 |
| Return on assets (ROA) | 0.6368% | 4,002 |
| Pretax return on assets | 1.0683% | 2,975 |
| Return on Equity (ROE) | 6.1195% | 3,905 |
| Retained earnings to average equity (ytd only) | 4.3299% | 3,439 |
| Net charge-offs to loans | 0.6300% | 2,257 |
| Credit loss provision to net charge-offs | 78.7746% | 3,814 |
| Earnings coverage of net charge-offs (x) | 3.3611% | 3,197 |
| Efficiency ratio | 69.4875% | 4,210 |
| Assets per employee ($millions) | 3.3898% | 5,226 |
| Cash dividends to net income (ytd only)* | 29.2439% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9296% | 2,578 |
| Loan loss allowance to noncurrent loans | 122.7820% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 1.8712% | 3,406 |
| Noncurrent loans to loans | 1.5716% | 4,047 |
| Net loans and leases to total assets | 63.5256% | 3,577 |
| Net loans and leases to deposits | 73.6705% | 3,852 |
| Net loans and leases to core deposits | 74.4669% | 4,516 |
| Total domestic deposits to total assets | 86.2293% | 3,199 |
| Equity capital to assets | 10.5288% | 3,469 |
| Core capital (leverage) ratio | 10.6329% | 2,581 |
| Tier 1 risk-based capital ratio | 14.8501% | 3,577 |
| Total risk-based capital ratio | 16.1083% | 3,543 |
| Memoranda: | ||
| Average total assets | $220,169,330 | 2,861 |
| Average earning assets | $190,688,670 | 2,985 |
| Average equity | $22,910,330 | 2,770 |
| Average total loans | $145,090,670 | 2,755 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1190% | 2,561 |
| Cost of funding earning assets | 0.6831% | 6,234 |
| Net interest margin | 4.4359% | 1,200 |
| Noninterest income to average assets | 0.7197% | 2,457 |
| Noninterest expense to average assets | 3.0934% | 3,272 |
| Loan and lease loss provision to assets | 0.3271% | 2,592 |
| Net operating income to assets | 0.6398% | 3,804 |
| Return on assets (ROA) | 0.6398% | 3,876 |
| Pretax return on assets | 1.1232% | 2,669 |
| Return on Equity (ROE) | 6.1847% | 3,794 |
| Retained earnings to average equity (ytd only) | 2.5828% | 4,613 |
| Net charge-offs to loans | 0.0383% | 4,575 |
| Credit loss provision to net charge-offs | 1,285.7143% | 310 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 516 |
| Efficiency ratio | 68.0800% | 4,639 |
| Assets per employee ($millions) | 3.4587% | 5,096 |
| Cash dividends to net income (ytd only)* | 58.2386% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0744% | 2,238 |
| Loan loss allowance to noncurrent loans | 103.0748% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 2.0297% | 3,282 |
| Noncurrent loans to loans | 2.0126% | 3,561 |
| Net loans and leases to total assets | 64.3389% | 3,382 |
| Net loans and leases to deposits | 73.6245% | 3,815 |
| Net loans and leases to core deposits | 74.4046% | 4,494 |
| Total domestic deposits to total assets | 87.3879% | 2,717 |
| Equity capital to assets | 10.3199% | 3,391 |
| Core capital (leverage) ratio | 10.4229% | 2,680 |
| Tier 1 risk-based capital ratio | 14.4588% | 3,765 |
| Total risk-based capital ratio | 15.7171% | 3,719 |
| Memoranda: | ||
| Average total assets | $220,085,000 | 2,881 |
| Average earning assets | $189,726,000 | 3,015 |
| Average equity | $22,766,000 | 2,772 |
| Average total loans | $146,273,500 | 2,769 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4448% | 2,493 |
| Cost of funding earning assets | 0.8713% | 6,293 |
| Net interest margin | 4.5735% | 1,070 |
| Noninterest income to average assets | 0.8459% | 2,077 |
| Noninterest expense to average assets | 3.2136% | 3,037 |
| Loan and lease loss provision to assets | 0.4189% | 3,595 |
| Net operating income to assets | 0.8690% | 2,514 |
| Return on assets (ROA) | 0.8690% | 2,648 |
| Pretax return on assets | 1.2720% | 2,012 |
| Return on Equity (ROE) | 8.2367% | 2,605 |
| Retained earnings to average equity (ytd only) | 6.3201% | 1,654 |
| Net charge-offs to loans | 0.5888% | 3,266 |
| Credit loss provision to net charge-offs | 99.5423% | 4,647 |
| Earnings coverage of net charge-offs (x) | 4.0183% | 3,100 |
| Efficiency ratio | 65.5247% | 5,061 |
| Assets per employee ($millions) | 3.5292% | 4,872 |
| Cash dividends to net income (ytd only)* | 23.2687% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 2,449 |
| Loan loss allowance to noncurrent loans | 65.1359% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 2.0803% | 3,244 |
| Noncurrent loans to loans | 2.9753% | 2,570 |
| Net loans and leases to total assets | 65.9286% | 3,481 |
| Net loans and leases to deposits | 75.4457% | 3,931 |
| Net loans and leases to core deposits | 76.2843% | 4,665 |
| Total domestic deposits to total assets | 87.3855% | 2,619 |
| Equity capital to assets | 10.3688% | 3,310 |
| Core capital (leverage) ratio | 10.6802% | 2,392 |
| Tier 1 risk-based capital ratio | 14.5433% | 3,514 |
| Total risk-based capital ratio | 15.8005% | 3,470 |
| Memoranda: | ||
| Average total assets | $207,710,400 | 3,005 |
| Average earning assets | $184,321,000 | 3,072 |
| Average equity | $21,914,200 | 2,889 |
| Average total loans | $148,434,600 | 2,801 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4596% | 2,605 |
| Cost of funding earning assets | 0.8994% | 6,394 |
| Net interest margin | 4.5602% | 1,132 |
| Noninterest income to average assets | 0.7755% | 2,355 |
| Noninterest expense to average assets | 3.2322% | 2,813 |
| Loan and lease loss provision to assets | 0.3513% | 3,799 |
| Net operating income to assets | 0.7963% | 3,014 |
| Return on assets (ROA) | 0.7963% | 3,177 |
| Pretax return on assets | 1.3057% | 2,154 |
| Return on Equity (ROE) | 7.5134% | 3,099 |
| Retained earnings to average equity (ytd only) | 4.9352% | 3,034 |
| Net charge-offs to loans | 0.3173% | 4,071 |
| Credit loss provision to net charge-offs | 152.5424% | 2,539 |
| Earnings coverage of net charge-offs (x) | 7.1949% | 2,372 |
| Efficiency ratio | 66.1078% | 4,833 |
| Assets per employee ($millions) | 3.3409% | 5,352 |
| Cash dividends to net income (ytd only)* | 34.3140% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0283% | 2,154 |
| Loan loss allowance to noncurrent loans | 84.0520% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.7467% | 3,824 |
| Noncurrent loans to loans | 2.4131% | 3,220 |
| Net loans and leases to total assets | 70.9163% | 2,509 |
| Net loans and leases to deposits | 81.6274% | 3,167 |
| Net loans and leases to core deposits | 83.0587% | 4,083 |
| Total domestic deposits to total assets | 86.8780% | 2,595 |
| Equity capital to assets | 10.6859% | 3,303 |
| Core capital (leverage) ratio | 10.7821% | 2,430 |
| Tier 1 risk-based capital ratio | 14.2892% | 3,641 |
| Total risk-based capital ratio | 15.5482% | 3,596 |
| Memoranda: | ||
| Average total assets | $204,935,250 | 3,077 |
| Average earning assets | $184,869,500 | 3,114 |
| Average equity | $21,720,750 | 2,955 |
| Average total loans | $148,765,750 | 2,828 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4521% | 2,739 |
| Cost of funding earning assets | 0.9301% | 6,466 |
| Net interest margin | 4.5220% | 1,163 |
| Noninterest income to average assets | 0.7933% | 2,153 |
| Noninterest expense to average assets | 3.2517% | 2,724 |
| Loan and lease loss provision to assets | 0.3526% | 3,607 |
| Net operating income to assets | 0.7718% | 3,102 |
| Return on assets (ROA) | 0.7718% | 3,253 |
| Pretax return on assets | 1.2654% | 2,199 |
| Return on Equity (ROE) | 7.3020% | 3,180 |
| Retained earnings to average equity (ytd only) | 5.2634% | 2,740 |
| Net charge-offs to loans | 0.0418% | 5,791 |
| Credit loss provision to net charge-offs | 1,161.2903% | 331 |
| Earnings coverage of net charge-offs (x) | 53.2903% | 560 |
| Efficiency ratio | 66.7739% | 4,829 |
| Assets per employee ($millions) | 3.4187% | 5,130 |
| Cash dividends to net income (ytd only)* | 27.9188% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1597% | 1,844 |
| Loan loss allowance to noncurrent loans | 87.2329% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.7794% | 3,785 |
| Noncurrent loans to loans | 2.4758% | 3,173 |
| Net loans and leases to total assets | 70.3214% | 2,832 |
| Net loans and leases to deposits | 80.9657% | 3,436 |
| Net loans and leases to core deposits | 82.5201% | 4,345 |
| Total domestic deposits to total assets | 86.8533% | 2,619 |
| Equity capital to assets | 10.6828% | 3,188 |
| Core capital (leverage) ratio | 10.6337% | 2,512 |
| Tier 1 risk-based capital ratio | 14.2762% | 3,558 |
| Total risk-based capital ratio | 15.5408% | 3,518 |
| Memoranda: | ||
| Average total assets | $204,202,670 | 3,107 |
| Average earning assets | $184,076,000 | 3,146 |
| Average equity | $21,583,000 | 2,966 |
| Average total loans | $148,377,000 | 2,865 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4721% | 2,720 |
| Cost of funding earning assets | 0.9062% | 6,747 |
| Net interest margin | 4.5659% | 1,012 |
| Noninterest income to average assets | 0.7421% | 2,345 |
| Noninterest expense to average assets | 3.3572% | 2,357 |
| Loan and lease loss provision to assets | 0.3534% | 3,257 |
| Net operating income to assets | 0.6950% | 3,461 |
| Return on assets (ROA) | 0.6950% | 3,575 |
| Pretax return on assets | 1.1465% | 2,565 |
| Return on Equity (ROE) | 6.6113% | 3,562 |
| Retained earnings to average equity (ytd only) | 2.5026% | 4,636 |
| Net charge-offs to loans | 0.1935% | 3,755 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 10.6111% | 1,727 |
| Efficiency ratio | 69.1188% | 4,485 |
| Assets per employee ($millions) | 3.3964% | 5,305 |
| Cash dividends to net income (ytd only)* | 62.1469% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0019% | 2,185 |
| Loan loss allowance to noncurrent loans | 89.6520% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.5952% | 4,101 |
| Noncurrent loans to loans | 2.2330% | 3,482 |
| Net loans and leases to total assets | 70.0094% | 2,936 |
| Net loans and leases to deposits | 80.7829% | 3,496 |
| Net loans and leases to core deposits | 82.2478% | 4,450 |
| Total domestic deposits to total assets | 86.6636% | 2,811 |
| Equity capital to assets | 10.3689% | 3,384 |
| Core capital (leverage) ratio | 10.5934% | 2,542 |
| Tier 1 risk-based capital ratio | 13.9359% | 3,702 |
| Total risk-based capital ratio | 15.1943% | 3,655 |
| Memoranda: | ||
| Average total assets | $203,742,000 | 3,169 |
| Average earning assets | $183,622,000 | 3,213 |
| Average equity | $21,418,000 | 3,016 |
| Average total loans | $148,850,500 | 2,918 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1718% | 1,316 |
| Cost of funding earning assets | 1.0398% | 7,124 |
| Net interest margin | 5.1320% | 340 |
| Noninterest income to average assets | 0.8696% | 2,079 |
| Noninterest expense to average assets | 3.5774% | 2,202 |
| Loan and lease loss provision to assets | 0.3794% | 4,513 |
| Net operating income to assets | 0.9841% | 1,894 |
| Return on assets (ROA) | 0.9852% | 1,943 |
| Pretax return on assets | 1.4749% | 1,251 |
| Return on Equity (ROE) | 9.4635% | 1,866 |
| Retained earnings to average equity (ytd only) | 7.3229% | 869 |
| Net charge-offs to loans | 0.2715% | 4,922 |
| Credit loss provision to net charge-offs | 179.4118% | 2,324 |
| Earnings coverage of net charge-offs (x) | 8.7623% | 1,900 |
| Efficiency ratio | 65.8809% | 5,416 |
| Assets per employee ($millions) | 3.3950% | 5,270 |
| Cash dividends to net income (ytd only)* | 22.6197% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9072% | 2,242 |
| Loan loss allowance to noncurrent loans | 74.6796% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.9086% | 3,518 |
| Noncurrent loans to loans | 2.5539% | 3,001 |
| Net loans and leases to total assets | 73.3073% | 2,422 |
| Net loans and leases to deposits | 84.7937% | 3,122 |
| Net loans and leases to core deposits | 99.7703% | 4,029 |
| Total domestic deposits to total assets | 86.4537% | 2,787 |
| Equity capital to assets | 10.6607% | 3,008 |
| Core capital (leverage) ratio | 10.9181% | 2,273 |
| Tier 1 risk-based capital ratio | 13.8828% | 3,573 |
| Total risk-based capital ratio | 15.1402% | 3,523 |
| Memoranda: | ||
| Average total assets | $192,959,800 | 3,259 |
| Average earning assets | $171,474,400 | 3,327 |
| Average equity | $20,087,600 | 3,181 |
| Average total loans | $150,264,000 | 2,909 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3047% | 1,131 |
| Cost of funding earning assets | 1.0966% | 7,181 |
| Net interest margin | 5.2081% | 295 |
| Noninterest income to average assets | 0.7890% | 2,495 |
| Noninterest expense to average assets | 3.5425% | 2,162 |
| Loan and lease loss provision to assets | 0.3851% | 4,016 |
| Net operating income to assets | 0.9111% | 2,386 |
| Return on assets (ROA) | 0.9125% | 2,446 |
| Pretax return on assets | 1.4755% | 1,487 |
| Return on Equity (ROE) | 8.8208% | 2,331 |
| Retained earnings to average equity (ytd only) | 5.9210% | 1,993 |
| Net charge-offs to loans | -0.0151% | 7,729 |
| Credit loss provision to net charge-offs | -3,247.0588% | 7,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5903% | 5,444 |
| Assets per employee ($millions) | 3.1309% | 5,830 |
| Cash dividends to net income (ytd only)* | 32.8746% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0432% | 1,701 |
| Loan loss allowance to noncurrent loans | 73.9327% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 2.1954% | 3,101 |
| Noncurrent loans to loans | 2.7636% | 2,748 |
| Net loans and leases to total assets | 77.8172% | 1,608 |
| Net loans and leases to deposits | 90.8430% | 2,423 |
| Net loans and leases to core deposits | 105.5465% | 3,749 |
| Total domestic deposits to total assets | 85.6613% | 2,879 |
| Equity capital to assets | 10.5798% | 3,429 |
| Core capital (leverage) ratio | 10.3786% | 2,903 |
| Tier 1 risk-based capital ratio | 13.1292% | 4,103 |
| Total risk-based capital ratio | 14.3886% | 4,028 |
| Memoranda: | ||
| Average total assets | $191,123,250 | 3,300 |
| Average earning assets | $169,245,750 | 3,380 |
| Average equity | $19,771,000 | 3,278 |
| Average total loans | $150,406,500 | 2,941 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2887% | 1,235 |
| Cost of funding earning assets | 1.1175% | 7,331 |
| Net interest margin | 5.1712% | 312 |
| Noninterest income to average assets | 0.7658% | 2,617 |
| Noninterest expense to average assets | 3.5518% | 2,191 |
| Loan and lease loss provision to assets | 0.3808% | 3,646 |
| Net operating income to assets | 0.8736% | 2,562 |
| Return on assets (ROA) | 0.8736% | 2,665 |
| Pretax return on assets | 1.4082% | 1,701 |
| Return on Equity (ROE) | 8.5091% | 2,565 |
| Retained earnings to average equity (ytd only) | 6.2672% | 1,899 |
| Net charge-offs to loans | -0.0107% | 7,616 |
| Credit loss provision to net charge-offs | -4,550.0000% | 7,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5034% | 5,458 |
| Assets per employee ($millions) | 3.1293% | 5,780 |
| Cash dividends to net income (ytd only)* | 26.3473% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8840% | 1,833 |
| Loan loss allowance to noncurrent loans | 110.7170% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 1.3736% | 4,214 |
| Noncurrent loans to loans | 1.7016% | 3,958 |
| Net loans and leases to total assets | 79.2022% | 1,483 |
| Net loans and leases to deposits | 92.2113% | 2,428 |
| Net loans and leases to core deposits | 107.1527% | 3,707 |
| Total domestic deposits to total assets | 85.8921% | 2,842 |
| Equity capital to assets | 10.4570% | 3,458 |
| Core capital (leverage) ratio | 10.3643% | 2,937 |
| Tier 1 risk-based capital ratio | 12.8912% | 4,217 |
| Total risk-based capital ratio | 14.1488% | 4,128 |
| Memoranda: | ||
| Average total assets | $191,169,000 | 3,330 |
| Average earning assets | $169,128,330 | 3,404 |
| Average equity | $19,626,000 | 3,302 |
| Average total loans | $149,968,670 | 2,988 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2788% | 1,365 |
| Cost of funding earning assets | 1.1509% | 7,411 |
| Net interest margin | 5.1279% | 319 |
| Noninterest income to average assets | 0.7485% | 2,609 |
| Noninterest expense to average assets | 3.3851% | 2,399 |
| Loan and lease loss provision to assets | 0.3345% | 3,317 |
| Net operating income to assets | 0.9743% | 2,423 |
| Return on assets (ROA) | 0.9743% | 2,549 |
| Pretax return on assets | 1.5472% | 1,539 |
| Return on Equity (ROE) | 9.5794% | 2,500 |
| Retained earnings to average equity (ytd only) | 5.0569% | 3,088 |
| Net charge-offs to loans | -0.0216% | 7,461 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2715% | 5,641 |
| Assets per employee ($millions) | 3.1020% | 5,886 |
| Cash dividends to net income (ytd only)* | 47.2103% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7990% | 1,853 |
| Loan loss allowance to noncurrent loans | 155.8637% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9307% | 4,864 |
| Noncurrent loans to loans | 1.1542% | 4,679 |
| Net loans and leases to total assets | 77.8308% | 1,858 |
| Net loans and leases to deposits | 90.4964% | 2,853 |
| Net loans and leases to core deposits | 103.7580% | 4,164 |
| Total domestic deposits to total assets | 86.0043% | 2,724 |
| Equity capital to assets | 10.3571% | 3,603 |
| Core capital (leverage) ratio | 10.2888% | 3,118 |
| Tier 1 risk-based capital ratio | 12.8474% | 4,293 |
| Total risk-based capital ratio | 14.1006% | 4,208 |
| Memoranda: | ||
| Average total assets | $191,310,500 | 3,347 |
| Average earning assets | $168,567,500 | 3,444 |
| Average equity | $19,458,500 | 3,354 |
| Average total loans | $147,908,500 | 3,042 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8285% | 1,591 |
| Cost of funding earning assets | 1.5679% | 7,504 |
| Net interest margin | 5.2607% | 300 |
| Noninterest income to average assets | 1.0683% | 1,373 |
| Noninterest expense to average assets | 3.6830% | 1,984 |
| Loan and lease loss provision to assets | 0.3513% | 3,581 |
| Net operating income to assets | 1.1140% | 2,091 |
| Return on assets (ROA) | 1.1140% | 2,009 |
| Pretax return on assets | 1.6841% | 1,178 |
| Return on Equity (ROE) | 10.0639% | 2,238 |
| Retained earnings to average equity (ytd only) | 7.8447% | 889 |
| Net charge-offs to loans | 0.1336% | 4,886 |
| Credit loss provision to net charge-offs | 337.9121% | 1,341 |
| Earnings coverage of net charge-offs (x) | 19.5769% | 1,621 |
| Efficiency ratio | 64.4056% | 5,476 |
| Assets per employee ($millions) | 3.2779% | 5,269 |
| Cash dividends to net income (ytd only)* | 22.0513% | 4,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7354% | 1,812 |
| Loan loss allowance to noncurrent loans | 342.0270% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 6,033 |
| Noncurrent loans to loans | 0.5074% | 5,831 |
| Net loans and leases to total assets | 74.1033% | 3,077 |
| Net loans and leases to deposits | 85.5316% | 4,179 |
| Net loans and leases to core deposits | 97.5018% | 5,098 |
| Total domestic deposits to total assets | 86.6385% | 2,120 |
| Equity capital to assets | 9.9892% | 4,049 |
| Core capital (leverage) ratio | 10.2279% | 3,238 |
| Tier 1 risk-based capital ratio | 12.7827% | 4,237 |
| Total risk-based capital ratio | 14.0328% | 4,157 |
| Memoranda: | ||
| Average total assets | $175,049,000 | 3,474 |
| Average earning assets | $154,733,400 | 3,574 |
| Average equity | $19,376,200 | 3,332 |
| Average total loans | $136,238,800 | 3,155 |