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 | 4.5703% | 2,968 |
| Cost of funding earning assets | 2.1757% | 676 |
| Net interest margin | 2.3946% | 4,192 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.0519% | 3,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4000% | 3,872 |
| Return on assets (ROA) | 0.3586% | 3,939 |
| Pretax return on assets | 0.3770% | 3,996 |
| Return on Equity (ROE) | 4.3600% | 3,834 |
| Retained earnings to average equity (ytd only) | -3.4917% | 4,351 |
| Net charge-offs to loans | -0.0031% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.9888% | 720 |
| Assets per employee ($millions) | 7.4266% | 1,787 |
| Cash dividends to net income (ytd only)* | 180.1402% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 3,410 |
| Loan loss allowance to noncurrent loans | 254.3278% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 2,111 |
| Noncurrent loans to loans | 0.3855% | 1,828 |
| Net loans and leases to total assets | 56.9100% | 3,127 |
| Net loans and leases to deposits | 76.3000% | 2,425 |
| Net loans and leases to core deposits | 78.0179% | 2,834 |
| Total domestic deposits to total assets | 74.5800% | 4,065 |
| Equity capital to assets | 8.1513% | 3,309 |
| Core capital (leverage) ratio | 11.4904% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $238,702,400 | 2,745 |
| Average earning assets | $223,879,200 | 2,721 |
| Average equity | $19,646,800 | 2,888 |
| Average total loans | $127,701,600 | 2,874 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 3,005 |
| Cost of funding earning assets | 2.0202% | 682 |
| Net interest margin | 2.4292% | 4,201 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.0570% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4262% | 3,915 |
| Return on assets (ROA) | 0.3678% | 4,019 |
| Pretax return on assets | 0.3678% | 4,098 |
| Return on Equity (ROE) | 4.4600% | 3,908 |
| Retained earnings to average equity (ytd only) | -2.6987% | 4,355 |
| Net charge-offs to loans | -0.0032% | 3,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.8351% | 680 |
| Assets per employee ($millions) | 7.2447% | 1,792 |
| Cash dividends to net income (ytd only)* | 160.5505% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 3,255 |
| Loan loss allowance to noncurrent loans | 266.9246% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 2,183 |
| Noncurrent loans to loans | 0.3821% | 1,868 |
| Net loans and leases to total assets | 56.0200% | 3,204 |
| Net loans and leases to deposits | 70.2073% | 2,831 |
| Net loans and leases to core deposits | 71.6181% | 3,120 |
| Total domestic deposits to total assets | 79.7900% | 3,560 |
| Equity capital to assets | 7.5507% | 3,327 |
| Core capital (leverage) ratio | 11.6682% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $237,108,500 | 2,765 |
| Average earning assets | $222,678,000 | 2,739 |
| Average equity | $19,564,250 | 2,882 |
| Average total loans | $124,414,750 | 2,908 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2942% | 3,112 |
| Cost of funding earning assets | 1.8465% | 683 |
| Net interest margin | 2.4477% | 4,264 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.0122% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4838% | 3,839 |
| Return on assets (ROA) | 0.3967% | 4,017 |
| Pretax return on assets | 0.3992% | 4,120 |
| Return on Equity (ROE) | 4.6700% | 3,932 |
| Retained earnings to average equity (ytd only) | -2.3021% | 4,309 |
| Net charge-offs to loans | -0.0033% | 3,626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.5076% | 808 |
| Assets per employee ($millions) | 7.3586% | 1,696 |
| Cash dividends to net income (ytd only)* | 149.2537% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 2,901 |
| Loan loss allowance to noncurrent loans | 177.0218% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 1,599 |
| Noncurrent loans to loans | 0.6280% | 1,191 |
| Net loans and leases to total assets | 52.0900% | 3,405 |
| Net loans and leases to deposits | 59.9803% | 3,418 |
| Net loans and leases to core deposits | 61.2673% | 3,567 |
| Total domestic deposits to total assets | 86.8500% | 1,974 |
| Equity capital to assets | 8.3593% | 2,984 |
| Core capital (leverage) ratio | 11.7863% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $236,452,667 | 2,779 |
| Average earning assets | $222,905,667 | 2,747 |
| Average equity | $20,068,333 | 2,861 |
| Average total loans | $120,782,000 | 2,936 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 3,161 |
| Cost of funding earning assets | 1.6853% | 596 |
| Net interest margin | 2.4552% | 4,346 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.9701% | 3,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4929% | 3,915 |
| Return on assets (ROA) | 0.4929% | 3,878 |
| Pretax return on assets | 0.5250% | 3,959 |
| Return on Equity (ROE) | 5.7600% | 3,767 |
| Retained earnings to average equity (ytd only) | -1.1451% | 4,140 |
| Net charge-offs to loans | -0.0034% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.9581% | 907 |
| Assets per employee ($millions) | 7.0060% | 1,980 |
| Cash dividends to net income (ytd only)* | 119.8630% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,507 |
| Loan loss allowance to noncurrent loans | 171.3043% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 1,473 |
| Noncurrent loans to loans | 0.7056% | 1,080 |
| Net loans and leases to total assets | 48.7500% | 3,584 |
| Net loans and leases to deposits | 56.2637% | 3,556 |
| Net loans and leases to core deposits | 57.4159% | 3,663 |
| Total domestic deposits to total assets | 86.6400% | 2,394 |
| Equity capital to assets | 8.8310% | 2,645 |
| Core capital (leverage) ratio | 11.9113% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $236,942,000 | 2,812 |
| Average earning assets | $222,388,500 | 2,783 |
| Average equity | $20,260,500 | 2,868 |
| Average total loans | $119,150,000 | 2,988 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6736% | 2,602 |
| Cost of funding earning assets | 0.7082% | 567 |
| Net interest margin | 2.9654% | 3,530 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.9979% | 3,581 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9368% | 2,827 |
| Return on assets (ROA) | 0.9368% | 2,769 |
| Pretax return on assets | 1.0925% | 2,796 |
| Return on Equity (ROE) | 10.4300% | 2,669 |
| Retained earnings to average equity (ytd only) | 4.8972% | 3,093 |
| Net charge-offs to loans | -0.1070% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.6475% | 2,409 |
| Assets per employee ($millions) | 7.3542% | 1,717 |
| Cash dividends to net income (ytd only)* | 53.0504% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 1,633 |
| Loan loss allowance to noncurrent loans | 301.9608% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 1,988 |
| Noncurrent loans to loans | 0.4516% | 1,581 |
| Net loans and leases to total assets | 50.4900% | 3,469 |
| Net loans and leases to deposits | 62.0524% | 3,191 |
| Net loans and leases to core deposits | 63.1490% | 3,321 |
| Total domestic deposits to total assets | 81.3600% | 3,712 |
| Equity capital to assets | 8.2839% | 2,869 |
| Core capital (leverage) ratio | 11.5903% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $241,458,200 | 2,776 |
| Average earning assets | $228,602,200 | 2,747 |
| Average equity | $21,686,000 | 2,793 |
| Average total loans | $124,257,400 | 2,886 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5457% | 2,475 |
| Cost of funding earning assets | 0.5441% | 596 |
| Net interest margin | 3.0016% | 3,216 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.0070% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9742% | 2,572 |
| Return on assets (ROA) | 0.9742% | 2,542 |
| Pretax return on assets | 1.1594% | 2,524 |
| Return on Equity (ROE) | 10.6400% | 2,527 |
| Retained earnings to average equity (ytd only) | 5.2048% | 3,022 |
| Net charge-offs to loans | -0.1363% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.3840% | 2,641 |
| Assets per employee ($millions) | 7.3409% | 1,715 |
| Cash dividends to net income (ytd only)* | 51.0783% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 1,896 |
| Loan loss allowance to noncurrent loans | 183.3696% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3798% | 1,423 |
| Noncurrent loans to loans | 0.7245% | 1,125 |
| Net loans and leases to total assets | 51.7200% | 3,308 |
| Net loans and leases to deposits | 62.9349% | 2,952 |
| Net loans and leases to core deposits | 64.0681% | 3,110 |
| Total domestic deposits to total assets | 82.1800% | 3,814 |
| Equity capital to assets | 7.9117% | 2,951 |
| Core capital (leverage) ratio | 11.3950% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $241,151,000 | 2,799 |
| Average earning assets | $229,604,250 | 2,766 |
| Average equity | $22,081,500 | 2,813 |
| Average total loans | $124,267,500 | 2,886 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4239% | 2,364 |
| Cost of funding earning assets | 0.5095% | 490 |
| Net interest margin | 2.9144% | 3,127 |
| Noninterest income to average assets | 0.2284% | 3,821 |
| Noninterest expense to average assets | 1.8789% | 3,757 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9270% | 2,459 |
| Return on assets (ROA) | 0.9270% | 2,436 |
| Pretax return on assets | 1.1338% | 2,291 |
| Return on Equity (ROE) | 9.6819% | 2,463 |
| Retained earnings to average equity (ytd only) | 4.4766% | 2,894 |
| Net charge-offs to loans | -0.2059% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3656% | 3,001 |
| Assets per employee ($millions) | 7.3444% | 1,701 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 1,866 |
| Loan loss allowance to noncurrent loans | 95.3646% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.7527% | 699 |
| Noncurrent loans to loans | 1.4408% | 521 |
| Net loans and leases to total assets | 51.5233% | 3,212 |
| Net loans and leases to deposits | 59.9444% | 3,052 |
| Net loans and leases to core deposits | 60.9657% | 3,195 |
| Total domestic deposits to total assets | 85.9518% | 3,257 |
| Equity capital to assets | 8.5520% | 2,723 |
| Core capital (leverage) ratio | 11.0880% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,785,000 | 2,822 |
| Average earning assets | $230,029,667 | 2,795 |
| Average equity | $23,053,333 | 2,816 |
| Average total loans | $123,364,667 | 2,910 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2518% | 2,527 |
| Cost of funding earning assets | 0.5028% | 486 |
| Net interest margin | 2.7490% | 3,283 |
| Noninterest income to average assets | 0.2610% | 3,571 |
| Noninterest expense to average assets | 1.8271% | 3,876 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8651% | 2,435 |
| Return on assets (ROA) | 0.8651% | 2,426 |
| Pretax return on assets | 1.0637% | 2,252 |
| Return on Equity (ROE) | 8.5934% | 2,483 |
| Retained earnings to average equity (ytd only) | 3.7015% | 3,040 |
| Net charge-offs to loans | -0.1585% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2027% | 3,114 |
| Assets per employee ($millions) | 7.0079% | 1,994 |
| Cash dividends to net income (ytd only)* | 56.9260% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 2,132 |
| Loan loss allowance to noncurrent loans | 89.6878% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8170% | 670 |
| Noncurrent loans to loans | 1.5004% | 552 |
| Net loans and leases to total assets | 48.0930% | 3,379 |
| Net loans and leases to deposits | 57.4235% | 3,132 |
| Net loans and leases to core deposits | 58.3836% | 3,279 |
| Total domestic deposits to total assets | 83.7513% | 3,811 |
| Equity capital to assets | 9.4722% | 2,312 |
| Core capital (leverage) ratio | 10.8986% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,667,500 | 2,821 |
| Average earning assets | $233,101,000 | 2,779 |
| Average equity | $24,530,500 | 2,802 |
| Average total loans | $123,658,500 | 2,913 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0880% | 1,185 |
| Cost of funding earning assets | 0.6485% | 423 |
| Net interest margin | 3.4394% | 1,907 |
| Noninterest income to average assets | 0.3073% | 3,566 |
| Noninterest expense to average assets | 2.1445% | 3,254 |
| Loan and lease loss provision to assets | -0.2404% | 4,744 |
| Net operating income to assets | 1.3238% | 1,536 |
| Return on assets (ROA) | 1.3238% | 1,578 |
| Pretax return on assets | 1.6375% | 1,319 |
| Return on Equity (ROE) | 12.2027% | 1,744 |
| Retained earnings to average equity (ytd only) | 7.0672% | 1,897 |
| Net charge-offs to loans | -0.1145% | 4,605 |
| Credit loss provision to net charge-offs | 376.5101% | 942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5518% | 3,071 |
| Assets per employee ($millions) | 6.9165% | 1,977 |
| Cash dividends to net income (ytd only)* | 42.0848% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,785 |
| Loan loss allowance to noncurrent loans | 94.2598% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.7704% | 792 |
| Noncurrent loans to loans | 1.2953% | 736 |
| Net loans and leases to total assets | 52.1346% | 3,049 |
| Net loans and leases to deposits | 63.9920% | 2,687 |
| Net loans and leases to core deposits | 65.1048% | 2,895 |
| Total domestic deposits to total assets | 81.4705% | 4,044 |
| Equity capital to assets | 10.6771% | 2,026 |
| Core capital (leverage) ratio | 10.9326% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,336,600 | 2,831 |
| Average earning assets | $219,424,800 | 2,814 |
| Average equity | $25,314,000 | 2,828 |
| Average total loans | $130,076,800 | 2,855 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6011% | 2,560 |
| Cost of funding earning assets | 0.6711% | 448 |
| Net interest margin | 2.9300% | 3,480 |
| Noninterest income to average assets | 1.0088% | 1,057 |
| Noninterest expense to average assets | 2.1873% | 3,109 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2707% | 1,919 |
| Return on assets (ROA) | 1.2707% | 1,972 |
| Pretax return on assets | 1.5689% | 1,795 |
| Return on Equity (ROE) | 11.6647% | 2,154 |
| Retained earnings to average equity (ytd only) | 7.2964% | 2,307 |
| Net charge-offs to loans | -0.1347% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2310% | 3,232 |
| Assets per employee ($millions) | 7.0719% | 1,817 |
| Cash dividends to net income (ytd only)* | 37.4489% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 1,237 |
| Loan loss allowance to noncurrent loans | 142.0946% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.7707% | 934 |
| Noncurrent loans to loans | 1.1562% | 969 |
| Net loans and leases to total assets | 52.3627% | 3,165 |
| Net loans and leases to deposits | 64.2131% | 2,824 |
| Net loans and leases to core deposits | 65.5057% | 3,001 |
| Total domestic deposits to total assets | 81.5451% | 4,006 |
| Equity capital to assets | 10.7741% | 2,192 |
| Core capital (leverage) ratio | 10.8744% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,151,000 | 2,868 |
| Average earning assets | $216,742,250 | 2,860 |
| Average equity | $25,180,750 | 2,873 |
| Average total loans | $130,654,250 | 2,883 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7381% | 2,234 |
| Cost of funding earning assets | 0.7017% | 465 |
| Net interest margin | 3.0365% | 3,220 |
| Noninterest income to average assets | 1.3558% | 647 |
| Noninterest expense to average assets | 2.7309% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1813% | 2,258 |
| Return on assets (ROA) | 1.1813% | 2,325 |
| Pretax return on assets | 1.4523% | 2,167 |
| Return on Equity (ROE) | 10.8024% | 2,498 |
| Retained earnings to average equity (ytd only) | 4.1862% | 3,463 |
| Net charge-offs to loans | -0.1749% | 4,769 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2830% | 2,261 |
| Assets per employee ($millions) | 6.9789% | 1,827 |
| Cash dividends to net income (ytd only)* | 61.2472% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 1,124 |
| Loan loss allowance to noncurrent loans | 112.2043% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 2.7861% | 107 |
| Noncurrent loans to loans | 1.4874% | 765 |
| Net loans and leases to total assets | 51.8210% | 3,363 |
| Net loans and leases to deposits | 62.8965% | 3,114 |
| Net loans and leases to core deposits | 64.1630% | 3,275 |
| Total domestic deposits to total assets | 82.3910% | 3,842 |
| Equity capital to assets | 10.5191% | 2,378 |
| Core capital (leverage) ratio | 10.5521% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,052,667 | 2,891 |
| Average earning assets | $212,351,333 | 2,887 |
| Average equity | $24,939,000 | 2,887 |
| Average total loans | $131,536,667 | 2,883 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 1,344 |
| Cost of funding earning assets | 0.7498% | 452 |
| Net interest margin | 3.3692% | 2,189 |
| Noninterest income to average assets | 1.3104% | 746 |
| Noninterest expense to average assets | 2.8894% | 1,175 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2710% | 1,918 |
| Return on assets (ROA) | 1.2710% | 1,995 |
| Pretax return on assets | 1.5503% | 1,855 |
| Return on Equity (ROE) | 11.3926% | 2,229 |
| Retained earnings to average equity (ytd only) | 11.3926% | 1,302 |
| Net charge-offs to loans | -0.1217% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0806% | 2,349 |
| Assets per employee ($millions) | 6.7149% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 1,390 |
| Loan loss allowance to noncurrent loans | 53.8956% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 3.3893% | 80 |
| Noncurrent loans to loans | 2.8982% | 277 |
| Net loans and leases to total assets | 55.5660% | 3,088 |
| Net loans and leases to deposits | 68.3900% | 2,657 |
| Net loans and leases to core deposits | 69.8395% | 2,879 |
| Total domestic deposits to total assets | 81.2488% | 4,021 |
| Equity capital to assets | 11.0580% | 1,816 |
| Core capital (leverage) ratio | 11.3260% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,438,000 | 2,906 |
| Average earning assets | $207,526,500 | 2,912 |
| Average equity | $24,928,500 | 2,878 |
| Average total loans | $134,780,500 | 2,838 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 1,797 |
| Cost of funding earning assets | 1.1657% | 318 |
| Net interest margin | 3.1566% | 3,475 |
| Noninterest income to average assets | 0.2864% | 3,773 |
| Noninterest expense to average assets | 2.1883% | 3,696 |
| Loan and lease loss provision to assets | 0.5742% | 369 |
| Net operating income to assets | 0.5064% | 4,015 |
| Return on assets (ROA) | 0.5064% | 4,098 |
| Pretax return on assets | 0.4253% | 4,380 |
| Return on Equity (ROE) | 4.4887% | 4,032 |
| Retained earnings to average equity (ytd only) | 2.5003% | 3,603 |
| Net charge-offs to loans | 0.5615% | 267 |
| Credit loss provision to net charge-offs | 144.4178% | 2,457 |
| Earnings coverage of net charge-offs (x) | 2.5138% | 3,160 |
| Efficiency ratio | 68.6480% | 2,147 |
| Assets per employee ($millions) | 6.4120% | 1,988 |
| Cash dividends to net income (ytd only)* | 44.2978% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 1,967 |
| Loan loss allowance to noncurrent loans | 43.8417% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 3.1632% | 105 |
| Noncurrent loans to loans | 3.1971% | 252 |
| Net loans and leases to total assets | 63.6289% | 2,412 |
| Net loans and leases to deposits | 78.1472% | 2,057 |
| Net loans and leases to core deposits | 79.7663% | 2,389 |
| Total domestic deposits to total assets | 81.4218% | 3,780 |
| Equity capital to assets | 11.0308% | 2,227 |
| Core capital (leverage) ratio | 10.8311% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,521,600 | 2,861 |
| Average earning assets | $192,580,600 | 2,886 |
| Average equity | $23,637,000 | 2,898 |
| Average total loans | $148,355,200 | 2,676 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 1,620 |
| Cost of funding earning assets | 1.2098% | 356 |
| Net interest margin | 3.2730% | 3,270 |
| Noninterest income to average assets | 0.1826% | 4,378 |
| Noninterest expense to average assets | 2.2307% | 3,606 |
| Loan and lease loss provision to assets | 0.7734% | 249 |
| Net operating income to assets | 0.3677% | 4,328 |
| Return on assets (ROA) | 0.3677% | 4,388 |
| Pretax return on assets | 0.1839% | 4,668 |
| Return on Equity (ROE) | 3.2406% | 4,342 |
| Retained earnings to average equity (ytd only) | 0.5779% | 4,366 |
| Net charge-offs to loans | 0.6371% | 224 |
| Credit loss provision to net charge-offs | 167.5487% | 2,238 |
| Earnings coverage of net charge-offs (x) | 2.0738% | 3,018 |
| Efficiency ratio | 69.9738% | 1,892 |
| Assets per employee ($millions) | 6.4737% | 1,855 |
| Cash dividends to net income (ytd only)* | 82.1678% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 1,731 |
| Loan loss allowance to noncurrent loans | 21.6269% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 5.2529% | 51 |
| Noncurrent loans to loans | 6.4827% | 64 |
| Net loans and leases to total assets | 66.6820% | 2,426 |
| Net loans and leases to deposits | 82.9880% | 2,021 |
| Net loans and leases to core deposits | 85.1241% | 2,373 |
| Total domestic deposits to total assets | 80.3513% | 3,793 |
| Equity capital to assets | 10.7030% | 2,619 |
| Core capital (leverage) ratio | 11.0450% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,400,000 | 2,863 |
| Average earning assets | $190,442,000 | 2,891 |
| Average equity | $23,534,250 | 2,899 |
| Average total loans | $150,272,000 | 2,666 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0176% | 799 |
| Cost of funding earning assets | 1.2470% | 435 |
| Net interest margin | 3.7706% | 1,917 |
| Noninterest income to average assets | 0.1810% | 4,376 |
| Noninterest expense to average assets | 2.2527% | 3,647 |
| Loan and lease loss provision to assets | 0.1017% | 2,993 |
| Net operating income to assets | 1.2931% | 1,373 |
| Return on assets (ROA) | 1.2931% | 1,484 |
| Pretax return on assets | 1.3078% | 2,001 |
| Return on Equity (ROE) | 10.8478% | 1,684 |
| Retained earnings to average equity (ytd only) | 6.9912% | 1,666 |
| Net charge-offs to loans | -0.0132% | 4,287 |
| Credit loss provision to net charge-offs | -1,040.0000% | 3,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5118% | 3,200 |
| Assets per employee ($millions) | 6.2302% | 2,007 |
| Cash dividends to net income (ytd only)* | 35.5522% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 2,774 |
| Loan loss allowance to noncurrent loans | 9.9490% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 8.9715% | 19 |
| Noncurrent loans to loans | 11.5685% | 21 |
| Net loans and leases to total assets | 69.5752% | 2,097 |
| Net loans and leases to deposits | 88.2980% | 1,522 |
| Net loans and leases to core deposits | 90.6981% | 2,017 |
| Total domestic deposits to total assets | 78.7959% | 4,065 |
| Equity capital to assets | 11.7261% | 1,820 |
| Core capital (leverage) ratio | 11.8911% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,467,333 | 2,867 |
| Average earning assets | $188,774,333 | 2,884 |
| Average equity | $24,373,667 | 2,827 |
| Average total loans | $150,990,667 | 2,650 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2419% | 611 |
| Cost of funding earning assets | 1.3012% | 560 |
| Net interest margin | 3.9407% | 1,551 |
| Noninterest income to average assets | 0.1873% | 4,429 |
| Noninterest expense to average assets | 2.3428% | 3,674 |
| Loan and lease loss provision to assets | 0.2072% | 1,479 |
| Net operating income to assets | 1.0817% | 1,899 |
| Return on assets (ROA) | 1.0817% | 2,004 |
| Pretax return on assets | 1.2511% | 2,032 |
| Return on Equity (ROE) | 8.9971% | 2,113 |
| Retained earnings to average equity (ytd only) | 5.1034% | 2,228 |
| Net charge-offs to loans | -0.0053% | 3,886 |
| Credit loss provision to net charge-offs | -5,200.0000% | 3,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6352% | 3,536 |
| Assets per employee ($millions) | 5.7190% | 1,910 |
| Cash dividends to net income (ytd only)* | 43.2781% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 2,910 |
| Loan loss allowance to noncurrent loans | 13.7421% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 7.3126% | 33 |
| Noncurrent loans to loans | 8.4055% | 39 |
| Net loans and leases to total assets | 75.1674% | 1,431 |
| Net loans and leases to deposits | 92.4052% | 1,235 |
| Net loans and leases to core deposits | 99.7577% | 1,490 |
| Total domestic deposits to total assets | 81.3455% | 3,585 |
| Equity capital to assets | 12.4945% | 1,739 |
| Core capital (leverage) ratio | 12.3989% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,787,500 | 2,860 |
| Average earning assets | $184,131,500 | 2,881 |
| Average equity | $24,141,000 | 2,840 |
| Average total loans | $151,938,500 | 2,621 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3703% | 710 |
| Cost of funding earning assets | 1.3137% | 745 |
| Net interest margin | 4.0566% | 1,662 |
| Noninterest income to average assets | 0.2144% | 4,382 |
| Noninterest expense to average assets | 2.2335% | 4,096 |
| Loan and lease loss provision to assets | 0.2252% | 857 |
| Net operating income to assets | 1.2952% | 1,708 |
| Return on assets (ROA) | 1.2952% | 1,783 |
| Pretax return on assets | 1.5248% | 1,731 |
| Return on Equity (ROE) | 11.3998% | 1,733 |
| Retained earnings to average equity (ytd only) | 7.3591% | 1,230 |
| Net charge-offs to loans | 0.2886% | 726 |
| Credit loss provision to net charge-offs | 101.5419% | 2,440 |
| Earnings coverage of net charge-offs (x) | 7.8921% | 2,830 |
| Efficiency ratio | 56.0692% | 4,188 |
| Assets per employee ($millions) | 5.9180% | 1,691 |
| Cash dividends to net income (ytd only)* | 35.4449% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 3,329 |
| Loan loss allowance to noncurrent loans | 29.8881% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 3.4616% | 133 |
| Noncurrent loans to loans | 3.4357% | 241 |
| Net loans and leases to total assets | 74.5463% | 1,664 |
| Net loans and leases to deposits | 95.3777% | 1,007 |
| Net loans and leases to core deposits | 106.5883% | 1,076 |
| Total domestic deposits to total assets | 78.1590% | 4,336 |
| Equity capital to assets | 11.5807% | 2,457 |
| Core capital (leverage) ratio | 11.6836% | 1,973 |
| Tier 1 risk-based capital ratio | 12.6106% | 4,004 |
| Total risk-based capital ratio | 13.4528% | 4,121 |
| Memoranda: | ||
| Average total assets | $204,748,200 | 2,807 |
| Average earning assets | $190,232,800 | 2,800 |
| Average equity | $23,263,600 | 2,846 |
| Average total loans | $157,289,000 | 2,543 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3408% | 792 |
| Cost of funding earning assets | 1.2831% | 827 |
| Net interest margin | 4.0578% | 1,738 |
| Noninterest income to average assets | 0.2109% | 4,460 |
| Noninterest expense to average assets | 2.2283% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5015% | 1,180 |
| Return on assets (ROA) | 1.5015% | 1,241 |
| Pretax return on assets | 1.7829% | 1,131 |
| Return on Equity (ROE) | 13.2794% | 1,183 |
| Retained earnings to average equity (ytd only) | 9.2072% | 988 |
| Net charge-offs to loans | -0.0051% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5519% | 4,210 |
| Assets per employee ($millions) | 6.0194% | 1,592 |
| Cash dividends to net income (ytd only)* | 30.6656% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 3,639 |
| Loan loss allowance to noncurrent loans | 28.4572% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 3.5348% | 140 |
| Noncurrent loans to loans | 3.4722% | 237 |
| Net loans and leases to total assets | 76.1499% | 1,449 |
| Net loans and leases to deposits | 99.9271% | 642 |
| Net loans and leases to core deposits | 111.5731% | 864 |
| Total domestic deposits to total assets | 76.2054% | 4,622 |
| Equity capital to assets | 11.3296% | 2,816 |
| Core capital (leverage) ratio | 11.7320% | 2,056 |
| Tier 1 risk-based capital ratio | 12.5269% | 4,127 |
| Total risk-based capital ratio | 13.3671% | 4,252 |
| Memoranda: | ||
| Average total assets | $204,153,000 | 2,827 |
| Average earning assets | $191,201,250 | 2,806 |
| Average equity | $23,082,750 | 2,884 |
| Average total loans | $157,609,000 | 2,563 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3131% | 795 |
| Cost of funding earning assets | 1.2332% | 904 |
| Net interest margin | 4.0799% | 1,670 |
| Noninterest income to average assets | 0.2020% | 4,541 |
| Noninterest expense to average assets | 2.1824% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5695% | 972 |
| Return on assets (ROA) | 1.5695% | 1,015 |
| Pretax return on assets | 1.8655% | 901 |
| Return on Equity (ROE) | 13.8909% | 1,007 |
| Retained earnings to average equity (ytd only) | 9.7718% | 821 |
| Net charge-offs to loans | -0.0051% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9139% | 4,481 |
| Assets per employee ($millions) | 5.7761% | 1,715 |
| Cash dividends to net income (ytd only)* | 29.6530% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 3,469 |
| Loan loss allowance to noncurrent loans | 17.4653% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 5.4510% | 63 |
| Noncurrent loans to loans | 5.8771% | 71 |
| Net loans and leases to total assets | 76.3119% | 1,506 |
| Net loans and leases to deposits | 105.5485% | 358 |
| Net loans and leases to core deposits | 115.4078% | 709 |
| Total domestic deposits to total assets | 72.3003% | 4,958 |
| Equity capital to assets | 11.5698% | 2,557 |
| Core capital (leverage) ratio | 11.7230% | 2,005 |
| Tier 1 risk-based capital ratio | 12.2761% | 4,251 |
| Total risk-based capital ratio | 13.1158% | 4,373 |
| Memoranda: | ||
| Average total assets | $201,978,000 | 2,857 |
| Average earning assets | $190,399,000 | 2,824 |
| Average equity | $22,820,670 | 2,898 |
| Average total loans | $156,134,670 | 2,592 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1504% | 1,001 |
| Cost of funding earning assets | 1.2088% | 882 |
| Net interest margin | 3.9416% | 2,057 |
| Noninterest income to average assets | 0.1942% | 4,595 |
| Noninterest expense to average assets | 2.1379% | 4,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4979% | 1,120 |
| Return on assets (ROA) | 1.4979% | 1,150 |
| Pretax return on assets | 1.7713% | 1,045 |
| Return on Equity (ROE) | 13.4185% | 1,105 |
| Retained earnings to average equity (ytd only) | 9.2474% | 1,235 |
| Net charge-offs to loans | -0.0051% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6883% | 4,470 |
| Assets per employee ($millions) | 5.6633% | 1,827 |
| Cash dividends to net income (ytd only)* | 31.0847% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 3,492 |
| Loan loss allowance to noncurrent loans | 22.4961% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 3.6168% | 145 |
| Noncurrent loans to loans | 4.6050% | 141 |
| Net loans and leases to total assets | 76.9670% | 1,322 |
| Net loans and leases to deposits | 106.2965% | 314 |
| Net loans and leases to core deposits | 113.1901% | 777 |
| Total domestic deposits to total assets | 72.4079% | 5,024 |
| Equity capital to assets | 11.5006% | 2,400 |
| Core capital (leverage) ratio | 11.5038% | 2,130 |
| Tier 1 risk-based capital ratio | 12.7181% | 4,031 |
| Total risk-based capital ratio | 13.6091% | 4,130 |
| Memoranda: | ||
| Average total assets | $201,884,500 | 2,886 |
| Average earning assets | $190,278,000 | 2,849 |
| Average equity | $22,536,000 | 2,925 |
| Average total loans | $156,264,000 | 2,623 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0928% | 858 |
| Cost of funding earning assets | 1.0229% | 689 |
| Net interest margin | 4.0699% | 1,773 |
| Noninterest income to average assets | 0.2110% | 4,647 |
| Noninterest expense to average assets | 2.1409% | 4,468 |
| Loan and lease loss provision to assets | 0.1168% | 1,884 |
| Net operating income to assets | 1.5200% | 1,070 |
| Return on assets (ROA) | 1.5200% | 1,054 |
| Pretax return on assets | 1.7876% | 956 |
| Return on Equity (ROE) | 14.2699% | 986 |
| Retained earnings to average equity (ytd only) | 10.5060% | 521 |
| Net charge-offs to loans | 0.0007% | 3,763 |
| Credit loss provision to net charge-offs | 23,300.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 3,800.0000% | 20 |
| Efficiency ratio | 52.9237% | 4,721 |
| Assets per employee ($millions) | 5.8729% | 1,613 |
| Cash dividends to net income (ytd only)* | 26.3765% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 3,635 |
| Loan loss allowance to noncurrent loans | 32.7112% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 2.3931% | 331 |
| Noncurrent loans to loans | 3.0789% | 322 |
| Net loans and leases to total assets | 76.2699% | 1,563 |
| Net loans and leases to deposits | 100.5729% | 702 |
| Net loans and leases to core deposits | 108.8927% | 1,058 |
| Total domestic deposits to total assets | 75.8354% | 4,771 |
| Equity capital to assets | 10.8371% | 2,855 |
| Core capital (leverage) ratio | 10.9134% | 2,608 |
| Tier 1 risk-based capital ratio | 11.8370% | 4,543 |
| Total risk-based capital ratio | 12.6846% | 4,663 |
| Memoranda: | ||
| Average total assets | $199,538,400 | 2,877 |
| Average earning assets | $187,991,200 | 2,850 |
| Average equity | $21,254,600 | 2,960 |
| Average total loans | $153,228,400 | 2,608 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0206% | 907 |
| Cost of funding earning assets | 0.9425% | 771 |
| Net interest margin | 4.0781% | 1,697 |
| Noninterest income to average assets | 0.2087% | 4,713 |
| Noninterest expense to average assets | 2.1336% | 4,479 |
| Loan and lease loss provision to assets | 0.1212% | 1,665 |
| Net operating income to assets | 1.5350% | 1,108 |
| Return on assets (ROA) | 1.5350% | 1,110 |
| Pretax return on assets | 1.8023% | 1,009 |
| Return on Equity (ROE) | 14.4763% | 989 |
| Retained earnings to average equity (ytd only) | 11.9366% | 482 |
| Net charge-offs to loans | -0.0044% | 4,203 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5888% | 4,746 |
| Assets per employee ($millions) | 5.8707% | 1,591 |
| Cash dividends to net income (ytd only)* | 17.5439% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 3,993 |
| Loan loss allowance to noncurrent loans | 33.5573% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 2.2553% | 428 |
| Noncurrent loans to loans | 2.8681% | 399 |
| Net loans and leases to total assets | 77.5226% | 1,410 |
| Net loans and leases to deposits | 104.8996% | 490 |
| Net loans and leases to core deposits | 107.0765% | 1,226 |
| Total domestic deposits to total assets | 73.9017% | 4,984 |
| Equity capital to assets | 10.6695% | 2,960 |
| Core capital (leverage) ratio | 10.9232% | 2,657 |
| Tier 1 risk-based capital ratio | 11.0211% | 5,027 |
| Total risk-based capital ratio | 11.7993% | 5,141 |
| Memoranda: | ||
| Average total assets | $198,034,750 | 2,909 |
| Average earning assets | $186,880,000 | 2,882 |
| Average equity | $20,999,250 | 3,008 |
| Average total loans | $151,943,000 | 2,637 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9716% | 872 |
| Cost of funding earning assets | 0.8610% | 871 |
| Net interest margin | 4.1106% | 1,522 |
| Noninterest income to average assets | 0.2076% | 4,769 |
| Noninterest expense to average assets | 2.1539% | 4,477 |
| Loan and lease loss provision to assets | 0.1483% | 1,283 |
| Net operating income to assets | 1.5177% | 1,112 |
| Return on assets (ROA) | 1.5177% | 1,112 |
| Pretax return on assets | 1.7775% | 1,013 |
| Return on Equity (ROE) | 14.3442% | 999 |
| Retained earnings to average equity (ytd only) | 12.4110% | 462 |
| Net charge-offs to loans | -0.0027% | 3,993 |
| Credit loss provision to net charge-offs | -7,250.0000% | 4,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7952% | 4,804 |
| Assets per employee ($millions) | 5.6082% | 1,795 |
| Cash dividends to net income (ytd only)* | 13.4771% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 3,852 |
| Loan loss allowance to noncurrent loans | 31.9509% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 2.4184% | 369 |
| Noncurrent loans to loans | 3.1253% | 346 |
| Net loans and leases to total assets | 76.2691% | 1,590 |
| Net loans and leases to deposits | 104.6302% | 501 |
| Net loans and leases to core deposits | 106.7932% | 1,189 |
| Total domestic deposits to total assets | 72.8939% | 5,123 |
| Equity capital to assets | 10.8646% | 2,771 |
| Core capital (leverage) ratio | 11.0772% | 2,455 |
| Tier 1 risk-based capital ratio | 11.5001% | 4,785 |
| Total risk-based capital ratio | 12.3144% | 4,913 |
| Memoranda: | ||
| Average total assets | $195,555,330 | 2,946 |
| Average earning assets | $184,204,670 | 2,921 |
| Average equity | $20,691,330 | 3,064 |
| Average total loans | $148,978,670 | 2,674 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9440% | 793 |
| Cost of funding earning assets | 0.8507% | 764 |
| Net interest margin | 4.0933% | 1,454 |
| Noninterest income to average assets | 0.2070% | 4,786 |
| Noninterest expense to average assets | 2.1579% | 4,515 |
| Loan and lease loss provision to assets | 0.2971% | 438 |
| Net operating income to assets | 1.3607% | 1,450 |
| Return on assets (ROA) | 1.3607% | 1,462 |
| Pretax return on assets | 1.5780% | 1,458 |
| Return on Equity (ROE) | 13.0362% | 1,252 |
| Retained earnings to average equity (ytd only) | 13.0362% | 517 |
| Net charge-offs to loans | -0.0027% | 3,854 |
| Credit loss provision to net charge-offs | -14,500.0000% | 4,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5061% | 4,841 |
| Assets per employee ($millions) | 5.4987% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 3,802 |
| Loan loss allowance to noncurrent loans | 25.2804% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 3.1036% | 249 |
| Noncurrent loans to loans | 4.0604% | 244 |
| Net loans and leases to total assets | 75.6522% | 1,595 |
| Net loans and leases to deposits | 104.7017% | 445 |
| Net loans and leases to core deposits | 134.8564% | 274 |
| Total domestic deposits to total assets | 72.2550% | 5,270 |
| Equity capital to assets | 10.7590% | 2,813 |
| Core capital (leverage) ratio | 10.7879% | 2,639 |
| Tier 1 risk-based capital ratio | 11.2089% | 5,023 |
| Total risk-based capital ratio | 12.0263% | 5,149 |
| Memoranda: | ||
| Average total assets | $195,189,000 | 2,978 |
| Average earning assets | $182,443,500 | 2,970 |
| Average equity | $20,374,000 | 3,125 |
| Average total loans | $147,859,500 | 2,715 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9019% | 794 |
| Cost of funding earning assets | 0.7664% | 754 |
| Net interest margin | 4.1355% | 1,336 |
| Noninterest income to average assets | 0.1977% | 4,961 |
| Noninterest expense to average assets | 2.1691% | 4,600 |
| Loan and lease loss provision to assets | 0.2822% | 627 |
| Net operating income to assets | 1.2451% | 1,374 |
| Return on assets (ROA) | 1.2451% | 1,393 |
| Pretax return on assets | 1.6449% | 1,176 |
| Return on Equity (ROE) | 11.8056% | 1,266 |
| Retained earnings to average equity (ytd only) | 7.6975% | 859 |
| Net charge-offs to loans | 0.2980% | 874 |
| Credit loss provision to net charge-offs | 121.4452% | 2,152 |
| Earnings coverage of net charge-offs (x) | 8.2937% | 2,932 |
| Efficiency ratio | 52.9552% | 5,040 |
| Assets per employee ($millions) | 5.9977% | 1,514 |
| Cash dividends to net income (ytd only)* | 34.7977% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 4,383 |
| Loan loss allowance to noncurrent loans | 35.2378% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.9543% | 584 |
| Noncurrent loans to loans | 2.6027% | 499 |
| Net loans and leases to total assets | 74.3974% | 1,855 |
| Net loans and leases to deposits | 107.3563% | 344 |
| Net loans and leases to core deposits | 111.0231% | 950 |
| Total domestic deposits to total assets | 69.2995% | 5,433 |
| Equity capital to assets | 10.1261% | 3,566 |
| Core capital (leverage) ratio | 10.4758% | 2,864 |
| Tier 1 risk-based capital ratio | 11.0859% | 5,097 |
| Total risk-based capital ratio | 11.8398% | 5,242 |
| Memoranda: | ||
| Average total assets | $184,636,600 | 3,070 |
| Average earning assets | $174,053,200 | 3,024 |
| Average equity | $19,473,800 | 3,202 |
| Average total loans | $143,964,400 | 2,719 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8644% | 817 |
| Cost of funding earning assets | 0.7278% | 854 |
| Net interest margin | 4.1365% | 1,301 |
| Noninterest income to average assets | 0.2713% | 4,563 |
| Noninterest expense to average assets | 2.0913% | 4,756 |
| Loan and lease loss provision to assets | 0.0809% | 2,471 |
| Net operating income to assets | 1.5082% | 878 |
| Return on assets (ROA) | 1.5082% | 906 |
| Pretax return on assets | 2.0193% | 527 |
| Return on Equity (ROE) | 14.1456% | 804 |
| Retained earnings to average equity (ytd only) | 11.3869% | 356 |
| Net charge-offs to loans | 0.0859% | 1,938 |
| Credit loss provision to net charge-offs | 119.5652% | 2,010 |
| Earnings coverage of net charge-offs (x) | 31.0444% | 1,524 |
| Efficiency ratio | 49.8947% | 5,256 |
| Assets per employee ($millions) | 5.6711% | 1,755 |
| Cash dividends to net income (ytd only)* | 19.5027% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8569% | 4,733 |
| Loan loss allowance to noncurrent loans | 59.4557% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1244% | 1,475 |
| Noncurrent loans to loans | 1.4413% | 1,297 |
| Net loans and leases to total assets | 77.3440% | 1,374 |
| Net loans and leases to deposits | 109.4023% | 296 |
| Net loans and leases to core deposits | 140.5241% | 198 |
| Total domestic deposits to total assets | 70.6969% | 5,454 |
| Equity capital to assets | 10.4730% | 3,403 |
| Core capital (leverage) ratio | 11.0143% | 2,447 |
| Tier 1 risk-based capital ratio | 11.1322% | 5,170 |
| Total risk-based capital ratio | 11.8428% | 5,353 |
| Memoranda: | ||
| Average total assets | $181,314,500 | 3,123 |
| Average earning assets | $171,830,000 | 3,074 |
| Average equity | $19,331,750 | 3,239 |
| Average total loans | $142,802,000 | 2,756 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 749 |
| Cost of funding earning assets | 0.7057% | 871 |
| Net interest margin | 4.1629% | 1,162 |
| Noninterest income to average assets | 0.2479% | 4,756 |
| Noninterest expense to average assets | 2.0690% | 4,833 |
| Loan and lease loss provision to assets | 0.1240% | 1,669 |
| Net operating income to assets | 1.4875% | 892 |
| Return on assets (ROA) | 1.4875% | 913 |
| Pretax return on assets | 1.9968% | 531 |
| Return on Equity (ROE) | 13.8624% | 833 |
| Retained earnings to average equity (ytd only) | 11.7620% | 343 |
| Net charge-offs to loans | 0.1497% | 1,256 |
| Credit loss provision to net charge-offs | 104.7619% | 1,954 |
| Earnings coverage of net charge-offs (x) | 17.9238% | 1,904 |
| Efficiency ratio | 49.3814% | 5,337 |
| Assets per employee ($millions) | 5.2534% | 2,109 |
| Cash dividends to net income (ytd only)* | 15.1515% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 4,638 |
| Loan loss allowance to noncurrent loans | 44.7368% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.5956% | 931 |
| Noncurrent loans to loans | 2.0143% | 834 |
| Net loans and leases to total assets | 78.4989% | 1,165 |
| Net loans and leases to deposits | 106.9391% | 359 |
| Net loans and leases to core deposits | 122.8910% | 470 |
| Total domestic deposits to total assets | 73.4052% | 5,342 |
| Equity capital to assets | 11.0087% | 2,796 |
| Core capital (leverage) ratio | 11.1676% | 2,260 |
| Tier 1 risk-based capital ratio | 11.5466% | 4,925 |
| Total risk-based capital ratio | 12.2954% | 5,127 |
| Memoranda: | ||
| Average total assets | $177,479,670 | 3,188 |
| Average earning assets | $168,054,670 | 3,135 |
| Average equity | $19,044,330 | 3,271 |
| Average total loans | $140,261,670 | 2,801 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7775% | 788 |
| Cost of funding earning assets | 0.6907% | 879 |
| Net interest margin | 4.0868% | 1,248 |
| Noninterest income to average assets | 0.2238% | 4,930 |
| Noninterest expense to average assets | 2.0779% | 4,898 |
| Loan and lease loss provision to assets | 0.2487% | 604 |
| Net operating income to assets | 1.3204% | 1,191 |
| Return on assets (ROA) | 1.3204% | 1,225 |
| Pretax return on assets | 1.7500% | 904 |
| Return on Equity (ROE) | 12.4686% | 1,121 |
| Retained earnings to average equity (ytd only) | 8.1986% | 1,379 |
| Net charge-offs to loans | -0.0029% | 4,053 |
| Credit loss provision to net charge-offs | -11,000.0000% | 4,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9706% | 5,329 |
| Assets per employee ($millions) | 5.2605% | 2,125 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 4,322 |
| Loan loss allowance to noncurrent loans | 66.6988% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.2299% | 1,419 |
| Noncurrent loans to loans | 1.4927% | 1,342 |
| Net loans and leases to total assets | 79.1625% | 955 |
| Net loans and leases to deposits | 106.5328% | 304 |
| Net loans and leases to core deposits | 108.2267% | 960 |
| Total domestic deposits to total assets | 74.3082% | 5,393 |
| Equity capital to assets | 10.9029% | 2,742 |
| Core capital (leverage) ratio | 10.9954% | 2,364 |
| Tier 1 risk-based capital ratio | 11.2184% | 5,195 |
| Total risk-based capital ratio | 12.0375% | 5,338 |
| Memoranda: | ||
| Average total assets | $176,912,500 | 3,222 |
| Average earning assets | $166,782,000 | 3,178 |
| Average equity | $18,735,000 | 3,317 |
| Average total loans | $139,650,000 | 2,827 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0056% | 585 |
| Cost of funding earning assets | 0.7493% | 636 |
| Net interest margin | 4.2563% | 1,001 |
| Noninterest income to average assets | 0.2625% | 4,854 |
| Noninterest expense to average assets | 2.1790% | 4,823 |
| Loan and lease loss provision to assets | 0.2175% | 1,020 |
| Net operating income to assets | 1.4235% | 960 |
| Return on assets (ROA) | 1.4235% | 985 |
| Pretax return on assets | 1.8953% | 631 |
| Return on Equity (ROE) | 13.5343% | 863 |
| Retained earnings to average equity (ytd only) | 9.0379% | 581 |
| Net charge-offs to loans | 0.0326% | 3,369 |
| Credit loss provision to net charge-offs | 836.3636% | 437 |
| Earnings coverage of net charge-offs (x) | 81.2273% | 707 |
| Efficiency ratio | 50.7713% | 5,448 |
| Assets per employee ($millions) | 5.8138% | 1,610 |
| Cash dividends to net income (ytd only)* | 33.2226% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 4,771 |
| Loan loss allowance to noncurrent loans | 219.8962% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 3,857 |
| Noncurrent loans to loans | 0.4114% | 3,672 |
| Net loans and leases to total assets | 77.2484% | 1,321 |
| Net loans and leases to deposits | 107.2472% | 295 |
| Net loans and leases to core deposits | 109.8683% | 911 |
| Total domestic deposits to total assets | 72.0284% | 5,561 |
| Equity capital to assets | 10.2886% | 3,399 |
| Core capital (leverage) ratio | 10.7165% | 2,634 |
| Tier 1 risk-based capital ratio | 11.5642% | 5,011 |
| Total risk-based capital ratio | 12.3569% | 5,168 |
| Memoranda: | ||
| Average total assets | $169,158,800 | 3,295 |
| Average earning assets | $160,139,800 | 3,237 |
| Average equity | $17,791,800 | 3,437 |
| Average total loans | $134,811,800 | 2,850 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 543 |
| Cost of funding earning assets | 0.7722% | 567 |
| Net interest margin | 4.2800% | 964 |
| Noninterest income to average assets | 0.2628% | 4,890 |
| Noninterest expense to average assets | 2.1219% | 4,967 |
| Loan and lease loss provision to assets | 0.2604% | 700 |
| Net operating income to assets | 1.4560% | 963 |
| Return on assets (ROA) | 1.4560% | 1,008 |
| Pretax return on assets | 1.9400% | 647 |
| Return on Equity (ROE) | 13.7617% | 867 |
| Retained earnings to average equity (ytd only) | 10.7322% | 453 |
| Net charge-offs to loans | 0.0130% | 3,499 |
| Credit loss provision to net charge-offs | 2,500.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 211.2660% | 356 |
| Efficiency ratio | 49.0916% | 5,551 |
| Assets per employee ($millions) | 5.8128% | 1,570 |
| Cash dividends to net income (ytd only)* | 22.0143% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 4,861 |
| Loan loss allowance to noncurrent loans | 153.9120% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 3,384 |
| Noncurrent loans to loans | 0.5862% | 3,249 |
| Net loans and leases to total assets | 79.2952% | 993 |
| Net loans and leases to deposits | 109.2070% | 274 |
| Net loans and leases to core deposits | 111.6901% | 827 |
| Total domestic deposits to total assets | 72.6100% | 5,554 |
| Equity capital to assets | 10.5238% | 3,538 |
| Core capital (leverage) ratio | 10.8301% | 2,650 |
| Tier 1 risk-based capital ratio | 11.0134% | 5,361 |
| Total risk-based capital ratio | 11.7689% | 5,532 |
| Memoranda: | ||
| Average total assets | $166,391,250 | 3,345 |
| Average earning assets | $157,814,250 | 3,283 |
| Average equity | $17,604,000 | 3,496 |
| Average total loans | $133,391,000 | 2,877 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0869% | 506 |
| Cost of funding earning assets | 0.8163% | 447 |
| Net interest margin | 4.2706% | 983 |
| Noninterest income to average assets | 0.2492% | 4,988 |
| Noninterest expense to average assets | 2.1695% | 4,914 |
| Loan and lease loss provision to assets | 0.3054% | 575 |
| Net operating income to assets | 1.3877% | 1,081 |
| Return on assets (ROA) | 1.3877% | 1,144 |
| Pretax return on assets | 1.8323% | 816 |
| Return on Equity (ROE) | 13.0916% | 1,008 |
| Retained earnings to average equity (ytd only) | 10.7867% | 465 |
| Net charge-offs to loans | 0.0228% | 3,034 |
| Credit loss provision to net charge-offs | 1,666.6667% | 240 |
| Earnings coverage of net charge-offs (x) | 116.6667% | 504 |
| Efficiency ratio | 50.3687% | 5,541 |
| Assets per employee ($millions) | 5.2958% | 1,985 |
| Cash dividends to net income (ytd only)* | 17.6056% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8818% | 5,008 |
| Loan loss allowance to noncurrent loans | 138.2456% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 3,304 |
| Noncurrent loans to loans | 0.6378% | 3,162 |
| Net loans and leases to total assets | 80.9331% | 765 |
| Net loans and leases to deposits | 108.3717% | 293 |
| Net loans and leases to core deposits | 110.9083% | 878 |
| Total domestic deposits to total assets | 74.6810% | 5,450 |
| Equity capital to assets | 10.8863% | 3,185 |
| Core capital (leverage) ratio | 10.7977% | 2,652 |
| Tier 1 risk-based capital ratio | 10.6031% | 5,627 |
| Total risk-based capital ratio | 11.3043% | 5,776 |
| Memoranda: | ||
| Average total assets | $163,726,670 | 3,391 |
| Average earning assets | $155,576,000 | 3,330 |
| Average equity | $17,354,670 | 3,533 |
| Average total loans | $131,342,000 | 2,916 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1328% | 468 |
| Cost of funding earning assets | 0.9193% | 268 |
| Net interest margin | 4.2134% | 1,071 |
| Noninterest income to average assets | 0.2446% | 4,987 |
| Noninterest expense to average assets | 2.0745% | 5,164 |
| Loan and lease loss provision to assets | 0.4893% | 259 |
| Net operating income to assets | 1.2721% | 1,330 |
| Return on assets (ROA) | 1.2721% | 1,427 |
| Pretax return on assets | 1.6611% | 1,154 |
| Return on Equity (ROE) | 12.1666% | 1,268 |
| Retained earnings to average equity (ytd only) | 7.4871% | 1,668 |
| Net charge-offs to loans | 0.0338% | 2,288 |
| Credit loss provision to net charge-offs | 1,818.1818% | 232 |
| Earnings coverage of net charge-offs (x) | 79.9091% | 638 |
| Efficiency ratio | 49.1025% | 5,672 |
| Assets per employee ($millions) | 5.2671% | 2,061 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 5,203 |
| Loan loss allowance to noncurrent loans | 60.9769% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1930% | 1,836 |
| Noncurrent loans to loans | 1.4040% | 1,702 |
| Net loans and leases to total assets | 80.5707% | 735 |
| Net loans and leases to deposits | 110.1893% | 224 |
| Net loans and leases to core deposits | 114.9836% | 633 |
| Total domestic deposits to total assets | 73.1202% | 5,689 |
| Equity capital to assets | 10.5684% | 3,404 |
| Core capital (leverage) ratio | 10.1049% | 3,420 |
| Tier 1 risk-based capital ratio | 10.8937% | 5,553 |
| Total risk-based capital ratio | 11.6108% | 5,727 |
| Memoranda: | ||
| Average total assets | $163,505,500 | 3,409 |
| Average earning assets | $154,458,000 | 3,361 |
| Average equity | $17,096,000 | 3,572 |
| Average total loans | $129,988,500 | 2,936 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7802% | 957 |
| Cost of funding earning assets | 0.6866% | 878 |
| Net interest margin | 4.0937% | 1,424 |
| Noninterest income to average assets | 0.2872% | 4,834 |
| Noninterest expense to average assets | 2.0865% | 5,277 |
| Loan and lease loss provision to assets | 0.0962% | 2,389 |
| Net operating income to assets | 1.5040% | 861 |
| Return on assets (ROA) | 1.5372% | 830 |
| Pretax return on assets | 2.0121% | 525 |
| Return on Equity (ROE) | 14.9150% | 697 |
| Retained earnings to average equity (ytd only) | 11.1831% | 331 |
| Net charge-offs to loans | 0.2323% | 1,282 |
| Credit loss provision to net charge-offs | 54.9451% | 3,332 |
| Earnings coverage of net charge-offs (x) | 11.7985% | 2,524 |
| Efficiency ratio | 50.2625% | 5,746 |
| Assets per employee ($millions) | 5.6459% | 1,658 |
| Cash dividends to net income (ytd only)* | 25.0209% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 5,549 |
| Loan loss allowance to noncurrent loans | 1,183.7500% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 5,203 |
| Noncurrent loans to loans | 0.0629% | 5,266 |
| Net loans and leases to total assets | 77.1621% | 1,231 |
| Net loans and leases to deposits | 106.7413% | 336 |
| Net loans and leases to core deposits | 111.1180% | 806 |
| Total domestic deposits to total assets | 72.2889% | 5,783 |
| Equity capital to assets | 10.3437% | 3,572 |
| Core capital (leverage) ratio | 10.6310% | 2,799 |
| Tier 1 risk-based capital ratio | 11.1951% | 5,428 |
| Total risk-based capital ratio | 11.8211% | 5,665 |
| Memoranda: | ||
| Average total assets | $156,002,800 | 3,485 |
| Average earning assets | $147,252,400 | 3,443 |
| Average equity | $16,077,800 | 3,667 |
| Average total loans | $117,532,400 | 3,086 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7310% | 1,048 |
| Cost of funding earning assets | 0.6826% | 922 |
| Net interest margin | 4.0483% | 1,568 |
| Noninterest income to average assets | 0.2882% | 4,881 |
| Noninterest expense to average assets | 1.9393% | 5,584 |
| Loan and lease loss provision to assets | 0.1298% | 1,736 |
| Net operating income to assets | 1.5588% | 833 |
| Return on assets (ROA) | 1.6036% | 795 |
| Pretax return on assets | 2.1115% | 489 |
| Return on Equity (ROE) | 15.5744% | 655 |
| Retained earnings to average equity (ytd only) | 12.2124% | 342 |
| Net charge-offs to loans | 0.3128% | 852 |
| Credit loss provision to net charge-offs | 55.5556% | 2,965 |
| Earnings coverage of net charge-offs (x) | 9.3408% | 2,706 |
| Efficiency ratio | 47.0502% | 5,921 |
| Assets per employee ($millions) | 6.1589% | 1,269 |
| Cash dividends to net income (ytd only)* | 21.5867% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7461% | 5,632 |
| Loan loss allowance to noncurrent loans | 637.5839% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 5,179 |
| Noncurrent loans to loans | 0.1170% | 5,160 |
| Net loans and leases to total assets | 78.9260% | 969 |
| Net loans and leases to deposits | 109.3182% | 268 |
| Net loans and leases to core deposits | 114.1638% | 662 |
| Total domestic deposits to total assets | 72.1984% | 5,851 |
| Equity capital to assets | 10.3609% | 3,744 |
| Core capital (leverage) ratio | 10.8058% | 2,710 |
| Tier 1 risk-based capital ratio | 10.9960% | 5,660 |
| Total risk-based capital ratio | 11.6256% | 5,866 |
| Memoranda: | ||
| Average total assets | $154,070,500 | 3,538 |
| Average earning assets | $145,900,250 | 3,491 |
| Average equity | $15,863,250 | 3,733 |
| Average total loans | $115,094,000 | 3,147 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 1,108 |
| Cost of funding earning assets | 0.6739% | 971 |
| Net interest margin | 4.0085% | 1,618 |
| Noninterest income to average assets | 0.2578% | 5,112 |
| Noninterest expense to average assets | 1.9454% | 5,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6078% | 733 |
| Return on assets (ROA) | 1.6758% | 679 |
| Pretax return on assets | 2.1966% | 416 |
| Return on Equity (ROE) | 16.3117% | 572 |
| Retained earnings to average equity (ytd only) | 13.7510% | 247 |
| Net charge-offs to loans | 0.0757% | 2,311 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 38.1429% | 1,166 |
| Efficiency ratio | 48.0039% | 5,962 |
| Assets per employee ($millions) | 5.1607% | 2,083 |
| Cash dividends to net income (ytd only)* | 15.6986% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 5,347 |
| Loan loss allowance to noncurrent loans | 41.5285% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 1.7092% | 1,387 |
| Noncurrent loans to loans | 2.1366% | 1,121 |
| Net loans and leases to total assets | 76.6526% | 1,280 |
| Net loans and leases to deposits | 99.2877% | 703 |
| Net loans and leases to core deposits | 103.6755% | 1,209 |
| Total domestic deposits to total assets | 77.2025% | 5,425 |
| Equity capital to assets | 10.8325% | 3,071 |
| Core capital (leverage) ratio | 10.5351% | 2,908 |
| Tier 1 risk-based capital ratio | 12.6215% | 4,728 |
| Total risk-based capital ratio | 13.4211% | 4,924 |
| Memoranda: | ||
| Average total assets | $152,050,330 | 3,598 |
| Average earning assets | $143,943,330 | 3,542 |
| Average equity | $15,620,670 | 3,794 |
| Average total loans | $111,013,670 | 3,232 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 1,340 |
| Cost of funding earning assets | 0.6554% | 1,078 |
| Net interest margin | 3.8911% | 1,932 |
| Noninterest income to average assets | 0.2767% | 4,964 |
| Noninterest expense to average assets | 1.9838% | 5,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5009% | 846 |
| Return on assets (ROA) | 1.5009% | 898 |
| Pretax return on assets | 1.9655% | 623 |
| Return on Equity (ROE) | 15.0082% | 710 |
| Retained earnings to average equity (ytd only) | 9.7879% | 977 |
| Net charge-offs to loans | -0.0442% | 5,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2313% | 5,901 |
| Assets per employee ($millions) | 5.1005% | 2,232 |
| Cash dividends to net income (ytd only)* | 34.7826% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 4,939 |
| Loan loss allowance to noncurrent loans | 297.2527% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 4,798 |
| Noncurrent loans to loans | 0.3418% | 4,562 |
| Net loans and leases to total assets | 68.8867% | 2,306 |
| Net loans and leases to deposits | 87.5095% | 1,672 |
| Net loans and leases to core deposits | 90.2674% | 2,102 |
| Total domestic deposits to total assets | 78.7191% | 5,313 |
| Equity capital to assets | 10.1382% | 3,964 |
| Core capital (leverage) ratio | 10.1029% | 3,470 |
| Tier 1 risk-based capital ratio | 12.7383% | 4,762 |
| Total risk-based capital ratio | 13.6268% | 4,905 |
| Memoranda: | ||
| Average total assets | $153,245,000 | 3,603 |
| Average earning assets | $144,637,000 | 3,555 |
| Average equity | $15,325,000 | 3,869 |
| Average total loans | $108,647,500 | 3,283 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8081% | 1,099 |
| Cost of funding earning assets | 0.6585% | 1,352 |
| Net interest margin | 4.1496% | 1,434 |
| Noninterest income to average assets | 0.2681% | 5,207 |
| Noninterest expense to average assets | 2.1929% | 5,371 |
| Loan and lease loss provision to assets | 0.1490% | 1,756 |
| Net operating income to assets | 1.4252% | 1,030 |
| Return on assets (ROA) | 1.3857% | 1,141 |
| Pretax return on assets | 1.7703% | 847 |
| Return on Equity (ROE) | 13.8393% | 960 |
| Retained earnings to average equity (ytd only) | 9.6875% | 571 |
| Net charge-offs to loans | 0.1380% | 2,641 |
| Credit loss provision to net charge-offs | 149.3056% | 1,615 |
| Earnings coverage of net charge-offs (x) | 19.7431% | 1,760 |
| Efficiency ratio | 52.6798% | 5,932 |
| Assets per employee ($millions) | 4.6508% | 2,795 |
| Cash dividends to net income (ytd only)* | 30.0000% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 5,214 |
| Loan loss allowance to noncurrent loans | 557.2917% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 5,308 |
| Noncurrent loans to loans | 0.1733% | 5,203 |
| Net loans and leases to total assets | 71.5009% | 1,993 |
| Net loans and leases to deposits | 90.4487% | 1,473 |
| Net loans and leases to core deposits | 93.2709% | 1,969 |
| Total domestic deposits to total assets | 79.0513% | 5,241 |
| Equity capital to assets | 9.8628% | 4,278 |
| Core capital (leverage) ratio | 10.2472% | 3,250 |
| Tier 1 risk-based capital ratio | 11.9564% | 5,391 |
| Total risk-based capital ratio | 12.8015% | 5,544 |
| Memoranda: | ||
| Average total assets | $144,328,800 | 3,719 |
| Average earning assets | $135,458,600 | 3,667 |
| Average equity | $14,451,600 | 3,947 |
| Average total loans | $104,360,200 | 3,337 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 1,175 |
| Cost of funding earning assets | 0.6529% | 1,444 |
| Net interest margin | 4.1077% | 1,558 |
| Noninterest income to average assets | 0.2666% | 5,297 |
| Noninterest expense to average assets | 2.0763% | 5,626 |
| Loan and lease loss provision to assets | 0.1079% | 2,237 |
| Net operating income to assets | 1.5065% | 931 |
| Return on assets (ROA) | 1.4531% | 1,059 |
| Pretax return on assets | 1.8698% | 765 |
| Return on Equity (ROE) | 14.4532% | 906 |
| Retained earnings to average equity (ytd only) | 10.7185% | 559 |
| Net charge-offs to loans | 0.1453% | 2,345 |
| Credit loss provision to net charge-offs | 102.6786% | 2,147 |
| Earnings coverage of net charge-offs (x) | 19.4642% | 1,781 |
| Efficiency ratio | 50.3643% | 6,081 |
| Assets per employee ($millions) | 4.4229% | 3,102 |
| Cash dividends to net income (ytd only)* | 25.8398% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 5,668 |
| Loan loss allowance to noncurrent loans | 202.4242% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 4,726 |
| Noncurrent loans to loans | 0.4336% | 4,602 |
| Net loans and leases to total assets | 77.5220% | 1,019 |
| Net loans and leases to deposits | 101.2963% | 538 |
| Net loans and leases to core deposits | 104.9912% | 1,031 |
| Total domestic deposits to total assets | 76.5299% | 5,749 |
| Equity capital to assets | 10.1983% | 3,936 |
| Core capital (leverage) ratio | 10.4180% | 3,142 |
| Tier 1 risk-based capital ratio | 11.7569% | 5,636 |
| Total risk-based capital ratio | 12.5484% | 5,819 |
| Memoranda: | ||
| Average total assets | $142,042,250 | 3,784 |
| Average earning assets | $133,339,750 | 3,732 |
| Average equity | $14,280,250 | 4,001 |
| Average total loans | $102,748,750 | 3,395 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6815% | 1,324 |
| Cost of funding earning assets | 0.6385% | 1,603 |
| Net interest margin | 4.0430% | 1,685 |
| Noninterest income to average assets | 0.2657% | 5,302 |
| Noninterest expense to average assets | 2.0719% | 5,682 |
| Loan and lease loss provision to assets | 0.1066% | 2,238 |
| Net operating income to assets | 1.4480% | 966 |
| Return on assets (ROA) | 1.3671% | 1,182 |
| Pretax return on assets | 1.7536% | 927 |
| Return on Equity (ROE) | 13.6661% | 1,019 |
| Retained earnings to average equity (ytd only) | 10.8249% | 563 |
| Net charge-offs to loans | 0.1556% | 2,149 |
| Credit loss provision to net charge-offs | 97.4026% | 2,054 |
| Earnings coverage of net charge-offs (x) | 17.9481% | 1,706 |
| Efficiency ratio | 51.3380% | 6,107 |
| Assets per employee ($millions) | 5.0264% | 2,182 |
| Cash dividends to net income (ytd only)* | 20.7900% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 5,308 |
| Loan loss allowance to noncurrent loans | 98.3235% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.7809% | 3,627 |
| Noncurrent loans to loans | 1.0250% | 3,186 |
| Net loans and leases to total assets | 69.5813% | 2,145 |
| Net loans and leases to deposits | 87.2130% | 1,679 |
| Net loans and leases to core deposits | 89.4638% | 2,175 |
| Total domestic deposits to total assets | 79.7831% | 5,293 |
| Equity capital to assets | 10.3028% | 3,692 |
| Core capital (leverage) ratio | 10.2166% | 3,315 |
| Tier 1 risk-based capital ratio | 11.8943% | 5,598 |
| Total risk-based capital ratio | 12.7126% | 5,776 |
| Memoranda: | ||
| Average total assets | $140,737,670 | 3,837 |
| Average earning assets | $131,239,000 | 3,780 |
| Average equity | $14,078,670 | 4,036 |
| Average total loans | $98,948,330 | 3,473 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 1,390 |
| Cost of funding earning assets | 0.6373% | 1,669 |
| Net interest margin | 4.0079% | 1,729 |
| Noninterest income to average assets | 0.3325% | 4,713 |
| Noninterest expense to average assets | 2.0265% | 5,835 |
| Loan and lease loss provision to assets | 0.2132% | 1,077 |
| Net operating income to assets | 1.4775% | 851 |
| Return on assets (ROA) | 1.3074% | 1,240 |
| Pretax return on assets | 1.6030% | 1,165 |
| Return on Equity (ROE) | 13.2680% | 1,095 |
| Retained earnings to average equity (ytd only) | 7.4993% | 1,820 |
| Net charge-offs to loans | 0.2951% | 1,181 |
| Credit loss provision to net charge-offs | 102.7397% | 1,620 |
| Earnings coverage of net charge-offs (x) | 9.7534% | 1,911 |
| Efficiency ratio | 50.0351% | 6,252 |
| Assets per employee ($millions) | 4.7810% | 2,548 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 5,203 |
| Loan loss allowance to noncurrent loans | 515.9794% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 5,829 |
| Noncurrent loans to loans | 0.2094% | 5,467 |
| Net loans and leases to total assets | 66.1103% | 2,550 |
| Net loans and leases to deposits | 82.9393% | 1,953 |
| Net loans and leases to core deposits | 85.3067% | 2,391 |
| Total domestic deposits to total assets | 79.7093% | 5,545 |
| Equity capital to assets | 10.0959% | 3,728 |
| Core capital (leverage) ratio | 10.0441% | 3,504 |
| Tier 1 risk-based capital ratio | 11.5231% | 5,904 |
| Total risk-based capital ratio | 12.3480% | 6,066 |
| Memoranda: | ||
| Average total assets | $140,737,000 | 3,867 |
| Average earning assets | $130,543,000 | 3,823 |
| Average equity | $13,868,000 | 4,067 |
| Average total loans | $98,960,000 | 3,493 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0337% | 861 |
| Cost of funding earning assets | 0.6641% | 2,080 |
| Net interest margin | 4.3697% | 959 |
| Noninterest income to average assets | 0.2729% | 5,404 |
| Noninterest expense to average assets | 2.3709% | 5,160 |
| Loan and lease loss provision to assets | 0.1103% | 2,964 |
| Net operating income to assets | 1.4881% | 844 |
| Return on assets (ROA) | 1.4881% | 889 |
| Pretax return on assets | 1.8721% | 646 |
| Return on Equity (ROE) | 15.4307% | 693 |
| Retained earnings to average equity (ytd only) | 11.6169% | 358 |
| Net charge-offs to loans | 0.0991% | 3,850 |
| Credit loss provision to net charge-offs | 153.0612% | 1,511 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,272 |
| Efficiency ratio | 54.4610% | 6,093 |
| Assets per employee ($millions) | 4.7608% | 2,502 |
| Cash dividends to net income (ytd only)* | 24.7158% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 5,761 |
| Loan loss allowance to noncurrent loans | 487.3171% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 5,889 |
| Noncurrent loans to loans | 0.1948% | 5,607 |
| Net loans and leases to total assets | 72.9975% | 1,520 |
| Net loans and leases to deposits | 92.0194% | 1,048 |
| Net loans and leases to core deposits | 94.1458% | 1,592 |
| Total domestic deposits to total assets | 79.3284% | 5,597 |
| Equity capital to assets | 9.6188% | 4,261 |
| Core capital (leverage) ratio | 9.8974% | 3,708 |
| Tier 1 risk-based capital ratio | 11.5554% | 5,877 |
| Total risk-based capital ratio | 12.3969% | 6,050 |
| Memoranda: | ||
| Average total assets | $135,941,200 | 3,958 |
| Average earning assets | $126,943,600 | 3,908 |
| Average equity | $13,110,200 | 4,242 |
| Average total loans | $98,913,000 | 3,473 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0134% | 918 |
| Cost of funding earning assets | 0.6680% | 2,193 |
| Net interest margin | 4.3455% | 997 |
| Noninterest income to average assets | 0.2533% | 5,623 |
| Noninterest expense to average assets | 2.2371% | 5,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6371% | 705 |
| Return on assets (ROA) | 1.6371% | 745 |
| Pretax return on assets | 2.0940% | 473 |
| Return on Equity (ROE) | 16.9632% | 542 |
| Retained earnings to average equity (ytd only) | 13.8752% | 257 |
| Net charge-offs to loans | -0.0233% | 6,094 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6514% | 6,279 |
| Assets per employee ($millions) | 4.7723% | 2,474 |
| Cash dividends to net income (ytd only)* | 18.2039% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 6,018 |
| Loan loss allowance to noncurrent loans | 776.6129% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 6,175 |
| Noncurrent loans to loans | 0.1179% | 5,973 |
| Net loans and leases to total assets | 75.2807% | 1,106 |
| Net loans and leases to deposits | 98.0805% | 567 |
| Net loans and leases to core deposits | 100.9007% | 1,058 |
| Total domestic deposits to total assets | 76.7540% | 6,079 |
| Equity capital to assets | 9.8022% | 4,181 |
| Core capital (leverage) ratio | 10.0874% | 3,545 |
| Tier 1 risk-based capital ratio | 11.5970% | 6,007 |
| Total risk-based capital ratio | 12.4219% | 6,174 |
| Memoranda: | ||
| Average total assets | $134,220,500 | 4,029 |
| Average earning assets | $125,951,500 | 3,964 |
| Average equity | $12,953,250 | 4,317 |
| Average total loans | $97,327,000 | 3,545 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9721% | 956 |
| Cost of funding earning assets | 0.6631% | 2,377 |
| Net interest margin | 4.3091% | 1,013 |
| Noninterest income to average assets | 0.2379% | 5,745 |
| Noninterest expense to average assets | 2.2706% | 5,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5840% | 766 |
| Return on assets (ROA) | 1.5840% | 837 |
| Pretax return on assets | 2.0086% | 600 |
| Return on Equity (ROE) | 16.5033% | 602 |
| Retained earnings to average equity (ytd only) | 16.5033% | 177 |
| Net charge-offs to loans | -0.0401% | 6,190 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0612% | 6,216 |
| Assets per employee ($millions) | 4.5174% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 5,880 |
| Loan loss allowance to noncurrent loans | 115.9664% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 4,703 |
| Noncurrent loans to loans | 0.8505% | 4,222 |
| Net loans and leases to total assets | 71.5569% | 1,643 |
| Net loans and leases to deposits | 88.6249% | 1,271 |
| Net loans and leases to core deposits | 91.0650% | 1,802 |
| Total domestic deposits to total assets | 80.7413% | 5,411 |
| Equity capital to assets | 9.7939% | 4,188 |
| Core capital (leverage) ratio | 9.9416% | 3,600 |
| Tier 1 risk-based capital ratio | 11.4548% | 6,137 |
| Total risk-based capital ratio | 12.2909% | 6,293 |
| Memoranda: | ||
| Average total assets | $132,828,000 | 4,081 |
| Average earning assets | $124,574,000 | 4,025 |
| Average equity | $12,749,000 | 4,384 |
| Average total loans | $94,719,330 | 3,615 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0004% | 884 |
| Cost of funding earning assets | 0.6804% | 2,385 |
| Net interest margin | 4.3200% | 930 |
| Noninterest income to average assets | 0.2464% | 5,698 |
| Noninterest expense to average assets | 2.2969% | 5,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5759% | 740 |
| Return on assets (ROA) | 1.5759% | 801 |
| Pretax return on assets | 1.9866% | 606 |
| Return on Equity (ROE) | 16.5933% | 545 |
| Retained earnings to average equity (ytd only) | 16.5933% | 247 |
| Net charge-offs to loans | -0.0601% | 6,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6222% | 6,257 |
| Assets per employee ($millions) | 4.3624% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 5,760 |
| Loan loss allowance to noncurrent loans | 331.7241% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 5,901 |
| Noncurrent loans to loans | 0.3192% | 5,600 |
| Net loans and leases to total assets | 68.6893% | 1,893 |
| Net loans and leases to deposits | 80.8001% | 1,971 |
| Net loans and leases to core deposits | 82.4876% | 2,512 |
| Total domestic deposits to total assets | 85.0113% | 4,033 |
| Equity capital to assets | 9.7370% | 4,513 |
| Core capital (leverage) ratio | 9.6992% | 3,795 |
| Tier 1 risk-based capital ratio | 11.1597% | 6,338 |
| Total risk-based capital ratio | 12.0053% | 6,469 |
| Memoranda: | ||
| Average total assets | $131,480,500 | 4,149 |
| Average earning assets | $122,871,000 | 4,094 |
| Average equity | $12,487,000 | 4,476 |
| Average total loans | $93,108,000 | 3,672 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4802% | 649 |
| Cost of funding earning assets | 0.8164% | 2,531 |
| Net interest margin | 4.6638% | 700 |
| Noninterest income to average assets | 0.2687% | 5,532 |
| Noninterest expense to average assets | 2.5699% | 4,858 |
| Loan and lease loss provision to assets | 0.1429% | 3,819 |
| Net operating income to assets | 1.5624% | 810 |
| Return on assets (ROA) | 1.5426% | 925 |
| Pretax return on assets | 1.8978% | 760 |
| Return on Equity (ROE) | 15.6771% | 712 |
| Retained earnings to average equity (ytd only) | 6.5480% | 1,792 |
| Net charge-offs to loans | 0.1944% | 3,820 |
| Credit loss provision to net charge-offs | 104.7904% | 2,849 |
| Earnings coverage of net charge-offs (x) | 15.1437% | 1,671 |
| Efficiency ratio | 55.4440% | 6,123 |
| Assets per employee ($millions) | 4.4030% | 3,140 |
| Cash dividends to net income (ytd only)* | 58.2319% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 5,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 71.4761% | 1,577 |
| Net loans and leases to deposits | 83.7268% | 1,789 |
| Net loans and leases to core deposits | 85.7605% | 2,347 |
| Total domestic deposits to total assets | 85.3682% | 3,679 |
| Equity capital to assets | 9.2597% | 5,197 |
| Core capital (leverage) ratio | 9.6003% | 3,963 |
| Tier 1 risk-based capital ratio | 11.2287% | 6,258 |
| Total risk-based capital ratio | 12.1023% | 6,376 |
| Memoranda: | ||
| Average total assets | $122,455,600 | 4,302 |
| Average earning assets | $114,648,400 | 4,232 |
| Average equity | $12,049,400 | 4,557 |
| Average total loans | $85,885,000 | 3,850 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4871% | 697 |
| Cost of funding earning assets | 0.8402% | 2,627 |
| Net interest margin | 4.6470% | 750 |
| Noninterest income to average assets | 0.2632% | 5,677 |
| Noninterest expense to average assets | 2.4923% | 5,111 |
| Loan and lease loss provision to assets | 0.1388% | 3,807 |
| Net operating income to assets | 1.6230% | 805 |
| Return on assets (ROA) | 1.5960% | 953 |
| Pretax return on assets | 1.9725% | 746 |
| Return on Equity (ROE) | 15.9609% | 747 |
| Retained earnings to average equity (ytd only) | 10.4074% | 811 |
| Net charge-offs to loans | 0.1453% | 3,949 |
| Credit loss provision to net charge-offs | 137.3626% | 2,097 |
| Earnings coverage of net charge-offs (x) | 21.2198% | 1,414 |
| Efficiency ratio | 53.7485% | 6,279 |
| Assets per employee ($millions) | 4.1758% | 3,527 |
| Cash dividends to net income (ytd only)* | 34.7947% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 5,854 |
| Loan loss allowance to noncurrent loans | 583.8323% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 6,381 |
| Noncurrent loans to loans | 0.1816% | 6,155 |
| Net loans and leases to total assets | 72.6488% | 1,445 |
| Net loans and leases to deposits | 84.9227% | 1,742 |
| Net loans and leases to core deposits | 87.4012% | 2,291 |
| Total domestic deposits to total assets | 85.5469% | 3,483 |
| Equity capital to assets | 9.8879% | 4,658 |
| Core capital (leverage) ratio | 9.7627% | 3,852 |
| Tier 1 risk-based capital ratio | 11.7989% | 6,058 |
| Total risk-based capital ratio | 12.7331% | 6,205 |
| Memoranda: | ||
| Average total assets | $120,047,250 | 4,401 |
| Average earning assets | $112,988,750 | 4,315 |
| Average equity | $12,004,000 | 4,615 |
| Average total loans | $83,516,500 | 3,974 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4278% | 824 |
| Cost of funding earning assets | 0.8303% | 2,945 |
| Net interest margin | 4.5975% | 834 |
| Noninterest income to average assets | 0.2553% | 5,753 |
| Noninterest expense to average assets | 2.4902% | 5,174 |
| Loan and lease loss provision to assets | 0.0845% | 4,535 |
| Net operating income to assets | 1.6212% | 807 |
| Return on assets (ROA) | 1.6212% | 895 |
| Pretax return on assets | 2.0050% | 693 |
| Return on Equity (ROE) | 16.1498% | 750 |
| Retained earnings to average equity (ytd only) | 12.7817% | 464 |
| Net charge-offs to loans | 0.0372% | 4,858 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 82.4000% | 500 |
| Efficiency ratio | 54.3743% | 6,284 |
| Assets per employee ($millions) | 4.0473% | 3,776 |
| Cash dividends to net income (ytd only)* | 20.8551% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 5,567 |
| Loan loss allowance to noncurrent loans | 513.1579% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 6,321 |
| Noncurrent loans to loans | 0.2243% | 6,129 |
| Net loans and leases to total assets | 68.9727% | 2,104 |
| Net loans and leases to deposits | 80.9993% | 2,229 |
| Net loans and leases to core deposits | 83.4456% | 2,762 |
| Total domestic deposits to total assets | 85.1522% | 3,796 |
| Equity capital to assets | 10.0594% | 4,242 |
| Core capital (leverage) ratio | 9.8693% | 3,623 |
| Tier 1 risk-based capital ratio | 12.4978% | 5,565 |
| Total risk-based capital ratio | 13.5024% | 5,730 |
| Memoranda: | ||
| Average total assets | $118,305,000 | 4,460 |
| Average earning assets | $111,279,000 | 4,379 |
| Average equity | $11,876,330 | 4,632 |
| Average total loans | $80,693,670 | 4,087 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4464% | 839 |
| Cost of funding earning assets | 0.8348% | 3,187 |
| Net interest margin | 4.6115% | 808 |
| Noninterest income to average assets | 0.2501% | 5,856 |
| Noninterest expense to average assets | 2.5011% | 5,142 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6754% | 755 |
| Return on assets (ROA) | 1.6754% | 840 |
| Pretax return on assets | 2.0831% | 652 |
| Return on Equity (ROE) | 16.7072% | 713 |
| Retained earnings to average equity (ytd only) | 16.7072% | 322 |
| Net charge-offs to loans | 0.0407% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 441 |
| Efficiency ratio | 54.5590% | 6,286 |
| Assets per employee ($millions) | 3.9377% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 5,367 |
| Loan loss allowance to noncurrent loans | 538.7283% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 6,520 |
| Noncurrent loans to loans | 0.2279% | 6,236 |
| Net loans and leases to total assets | 63.4765% | 2,955 |
| Net loans and leases to deposits | 74.9059% | 2,986 |
| Net loans and leases to core deposits | 76.4072% | 3,568 |
| Total domestic deposits to total assets | 84.7416% | 4,146 |
| Equity capital to assets | 10.1166% | 3,972 |
| Core capital (leverage) ratio | 10.1279% | 3,205 |
| Tier 1 risk-based capital ratio | 13.0292% | 5,197 |
| Total risk-based capital ratio | 14.0535% | 5,337 |
| Memoranda: | ||
| Average total assets | $116,748,000 | 4,524 |
| Average earning assets | $109,724,500 | 4,442 |
| Average equity | $11,707,500 | 4,673 |
| Average total loans | $78,680,000 | 4,161 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6692% | 832 |
| Cost of funding earning assets | 1.0002% | 3,379 |
| Net interest margin | 4.6690% | 802 |
| Noninterest income to average assets | 0.3038% | 5,363 |
| Noninterest expense to average assets | 2.6630% | 4,877 |
| Loan and lease loss provision to assets | 0.0442% | 6,025 |
| Net operating income to assets | 1.6146% | 646 |
| Return on assets (ROA) | 1.6146% | 699 |
| Pretax return on assets | 1.9918% | 541 |
| Return on Equity (ROE) | 16.6633% | 512 |
| Retained earnings to average equity (ytd only) | 10.2824% | 513 |
| Net charge-offs to loans | 0.0414% | 5,899 |
| Credit loss provision to net charge-offs | 161.2903% | 1,711 |
| Earnings coverage of net charge-offs (x) | 74.3548% | 407 |
| Efficiency ratio | 56.6729% | 6,229 |
| Assets per employee ($millions) | 4.1201% | 3,611 |
| Cash dividends to net income (ytd only)* | 38.2932% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 5,617 |
| Loan loss allowance to noncurrent loans | 542.7746% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 6,570 |
| Noncurrent loans to loans | 0.2124% | 6,317 |
| Net loans and leases to total assets | 69.7817% | 2,075 |
| Net loans and leases to deposits | 81.9728% | 2,207 |
| Net loans and leases to core deposits | 84.3476% | 2,843 |
| Total domestic deposits to total assets | 85.1279% | 3,772 |
| Equity capital to assets | 9.9372% | 4,242 |
| Core capital (leverage) ratio | 9.9475% | 3,396 |
| Tier 1 risk-based capital ratio | 12.3865% | 5,549 |
| Total risk-based capital ratio | 13.4103% | 5,694 |
| Memoranda: | ||
| Average total assets | $113,216,600 | 4,565 |
| Average earning assets | $106,575,000 | 4,489 |
| Average equity | $10,970,200 | 4,789 |
| Average total loans | $74,846,400 | 4,322 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6096% | 1,014 |
| Cost of funding earning assets | 1.0418% | 3,374 |
| Net interest margin | 4.5677% | 1,010 |
| Noninterest income to average assets | 0.3136% | 5,358 |
| Noninterest expense to average assets | 2.4837% | 5,519 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7086% | 612 |
| Return on assets (ROA) | 1.7086% | 669 |
| Pretax return on assets | 2.1358% | 484 |
| Return on Equity (ROE) | 17.7499% | 481 |
| Retained earnings to average equity (ytd only) | 12.8331% | 397 |
| Net charge-offs to loans | -0.0856% | 7,141 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7654% | 6,514 |
| Assets per employee ($millions) | 3.9467% | 3,963 |
| Cash dividends to net income (ytd only)* | 27.7008% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 5,389 |
| Loan loss allowance to noncurrent loans | 686.5248% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 6,736 |
| Noncurrent loans to loans | 0.1779% | 6,517 |
| Net loans and leases to total assets | 68.3981% | 2,400 |
| Net loans and leases to deposits | 80.0738% | 2,641 |
| Net loans and leases to core deposits | 82.2805% | 3,282 |
| Total domestic deposits to total assets | 85.4187% | 3,543 |
| Equity capital to assets | 9.9489% | 4,409 |
| Core capital (leverage) ratio | 9.8340% | 3,666 |
| Tier 1 risk-based capital ratio | 12.5606% | 5,445 |
| Total risk-based capital ratio | 13.6395% | 5,576 |
| Memoranda: | ||
| Average total assets | $112,679,750 | 4,607 |
| Average earning assets | $106,220,750 | 4,522 |
| Average equity | $10,846,750 | 4,842 |
| Average total loans | $73,197,500 | 4,412 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4616% | 1,385 |
| Cost of funding earning assets | 1.0772% | 3,411 |
| Net interest margin | 4.3844% | 1,421 |
| Noninterest income to average assets | 0.2712% | 5,702 |
| Noninterest expense to average assets | 2.4035% | 5,832 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6219% | 704 |
| Return on assets (ROA) | 1.6219% | 745 |
| Pretax return on assets | 2.0074% | 584 |
| Return on Equity (ROE) | 17.0437% | 547 |
| Retained earnings to average equity (ytd only) | 9.5437% | 950 |
| Net charge-offs to loans | 0.0478% | 5,176 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 66.1765% | 498 |
| Efficiency ratio | 54.4903% | 6,572 |
| Assets per employee ($millions) | 4.0732% | 3,600 |
| Cash dividends to net income (ytd only)* | 44.0044% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 5,202 |
| Loan loss allowance to noncurrent loans | 196.5217% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.6059% | 5,702 |
| Noncurrent loans to loans | 0.6460% | 5,631 |
| Net loans and leases to total assets | 61.6472% | 3,957 |
| Net loans and leases to deposits | 71.7246% | 4,157 |
| Net loans and leases to core deposits | 74.1083% | 4,570 |
| Total domestic deposits to total assets | 85.9499% | 3,352 |
| Equity capital to assets | 9.5231% | 4,782 |
| Core capital (leverage) ratio | 9.2633% | 4,309 |
| Tier 1 risk-based capital ratio | 12.6889% | 5,188 |
| Total risk-based capital ratio | 13.7581% | 5,312 |
| Memoranda: | ||
| Average total assets | $112,088,000 | 4,654 |
| Average earning assets | $105,829,000 | 4,572 |
| Average equity | $10,666,670 | 4,879 |
| Average total loans | $71,179,000 | 4,532 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4275% | 1,486 |
| Cost of funding earning assets | 1.1253% | 3,330 |
| Net interest margin | 4.3022% | 1,559 |
| Noninterest income to average assets | 0.2592% | 5,820 |
| Noninterest expense to average assets | 2.3797% | 5,950 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5625% | 756 |
| Return on assets (ROA) | 1.5625% | 795 |
| Pretax return on assets | 1.9261% | 643 |
| Return on Equity (ROE) | 16.4246% | 636 |
| Retained earnings to average equity (ytd only) | 16.4246% | 304 |
| Net charge-offs to loans | -0.0169% | 6,519 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2676% | 6,586 |
| Assets per employee ($millions) | 4.2232% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 4,933 |
| Loan loss allowance to noncurrent loans | 186.2903% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 6,123 |
| Noncurrent loans to loans | 0.7200% | 5,571 |
| Net loans and leases to total assets | 59.6078% | 4,340 |
| Net loans and leases to deposits | 69.1452% | 4,507 |
| Net loans and leases to core deposits | 71.4298% | 4,865 |
| Total domestic deposits to total assets | 86.2068% | 3,395 |
| Equity capital to assets | 9.4609% | 4,489 |
| Core capital (leverage) ratio | 9.4953% | 3,817 |
| Tier 1 risk-based capital ratio | 12.8762% | 4,925 |
| Total risk-based capital ratio | 13.9934% | 5,000 |
| Memoranda: | ||
| Average total assets | $111,107,500 | 4,709 |
| Average earning assets | $104,505,500 | 4,626 |
| Average equity | $10,569,500 | 4,901 |
| Average total loans | $71,162,500 | 4,578 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0827% | 719 |
| Cost of funding earning assets | 1.4160% | 3,158 |
| Net interest margin | 4.6667% | 875 |
| Noninterest income to average assets | 0.3068% | 5,599 |
| Noninterest expense to average assets | 2.7719% | 4,699 |
| Loan and lease loss provision to assets | 0.0953% | 6,192 |
| Net operating income to assets | 1.4750% | 811 |
| Return on assets (ROA) | 1.4750% | 869 |
| Pretax return on assets | 1.8047% | 754 |
| Return on Equity (ROE) | 14.9228% | 730 |
| Retained earnings to average equity (ytd only) | 3.3547% | 3,519 |
| Net charge-offs to loans | 0.1836% | 5,204 |
| Credit loss provision to net charge-offs | 75.7576% | 5,705 |
| Earnings coverage of net charge-offs (x) | 15.1061% | 1,300 |
| Efficiency ratio | 59.3310% | 6,141 |
| Assets per employee ($millions) | 4.0070% | 3,773 |
| Cash dividends to net income (ytd only)* | 77.5194% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 5,233 |
| Loan loss allowance to noncurrent loans | 8,372.7273% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 7,229 |
| Noncurrent loans to loans | 0.0150% | 7,115 |
| Net loans and leases to total assets | 67.0231% | 3,216 |
| Net loans and leases to deposits | 77.6890% | 3,560 |
| Net loans and leases to core deposits | 80.3972% | 4,158 |
| Total domestic deposits to total assets | 86.2711% | 3,216 |
| Equity capital to assets | 9.5676% | 4,313 |
| Core capital (leverage) ratio | 9.4767% | 3,733 |
| Tier 1 risk-based capital ratio | 12.0143% | 5,459 |
| Total risk-based capital ratio | 13.0981% | 5,608 |
| Memoranda: | ||
| Average total assets | $104,947,000 | 4,852 |
| Average earning assets | $98,163,400 | 4,764 |
| Average equity | $10,373,400 | 5,015 |
| Average total loans | $71,913,200 | 4,610 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0781% | 795 |
| Cost of funding earning assets | 1.4334% | 3,374 |
| Net interest margin | 4.6447% | 955 |
| Noninterest income to average assets | 0.3022% | 5,731 |
| Noninterest expense to average assets | 2.6708% | 5,001 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5889% | 763 |
| Return on assets (ROA) | 1.5889% | 831 |
| Pretax return on assets | 1.9832% | 635 |
| Return on Equity (ROE) | 15.9421% | 710 |
| Retained earnings to average equity (ytd only) | 6.9498% | 1,880 |
| Net charge-offs to loans | -0.0634% | 7,495 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3865% | 6,364 |
| Assets per employee ($millions) | 4.2697% | 3,316 |
| Cash dividends to net income (ytd only)* | 56.4060% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 5,253 |
| Loan loss allowance to noncurrent loans | 245.2736% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 6,494 |
| Noncurrent loans to loans | 0.5083% | 6,181 |
| Net loans and leases to total assets | 70.3476% | 2,650 |
| Net loans and leases to deposits | 82.0515% | 3,094 |
| Net loans and leases to core deposits | 84.8407% | 3,830 |
| Total domestic deposits to total assets | 85.7359% | 3,226 |
| Equity capital to assets | 9.5178% | 4,815 |
| Core capital (leverage) ratio | 9.9213% | 3,331 |
| Tier 1 risk-based capital ratio | 11.4390% | 5,984 |
| Total risk-based capital ratio | 12.5241% | 6,121 |
| Memoranda: | ||
| Average total assets | $104,136,750 | 4,931 |
| Average earning assets | $97,571,500 | 4,850 |
| Average equity | $10,379,000 | 5,093 |
| Average total loans | $71,533,500 | 4,699 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0129% | 924 |
| Cost of funding earning assets | 1.4592% | 3,503 |
| Net interest margin | 4.5537% | 1,097 |
| Noninterest income to average assets | 0.2965% | 5,774 |
| Noninterest expense to average assets | 2.7120% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5062% | 905 |
| Return on assets (ROA) | 1.5062% | 967 |
| Pretax return on assets | 1.8499% | 813 |
| Return on Equity (ROE) | 14.8691% | 879 |
| Retained earnings to average equity (ytd only) | 10.9919% | 662 |
| Net charge-offs to loans | -0.0782% | 7,522 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4490% | 6,153 |
| Assets per employee ($millions) | 3.8029% | 4,218 |
| Cash dividends to net income (ytd only)* | 26.0756% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 4,751 |
| Loan loss allowance to noncurrent loans | 1,209.8765% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 7,200 |
| Noncurrent loans to loans | 0.1103% | 7,045 |
| Net loans and leases to total assets | 70.5811% | 2,777 |
| Net loans and leases to deposits | 83.8234% | 2,904 |
| Net loans and leases to core deposits | 85.4441% | 3,912 |
| Total domestic deposits to total assets | 84.2022% | 4,012 |
| Equity capital to assets | 10.3079% | 3,641 |
| Core capital (leverage) ratio | 10.1759% | 2,968 |
| Tier 1 risk-based capital ratio | 12.3826% | 4,961 |
| Total risk-based capital ratio | 13.5477% | 5,014 |
| Memoranda: | ||
| Average total assets | $101,844,670 | 5,025 |
| Average earning assets | $95,394,330 | 4,948 |
| Average equity | $10,316,670 | 5,113 |
| Average total loans | $69,017,670 | 4,825 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8322% | 1,369 |
| Cost of funding earning assets | 1.4633% | 3,787 |
| Net interest margin | 4.3689% | 1,479 |
| Noninterest income to average assets | 0.2800% | 5,903 |
| Noninterest expense to average assets | 2.7645% | 4,629 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3211% | 1,252 |
| Return on assets (ROA) | 1.3211% | 1,323 |
| Pretax return on assets | 1.5893% | 1,290 |
| Return on Equity (ROE) | 13.1592% | 1,220 |
| Retained earnings to average equity (ytd only) | 13.1592% | 601 |
| Net charge-offs to loans | 0.0838% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 28.7857% | 896 |
| Efficiency ratio | 63.4964% | 5,589 |
| Assets per employee ($millions) | 3.7787% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 4,332 |
| Loan loss allowance to noncurrent loans | 474.2424% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 6,982 |
| Noncurrent loans to loans | 0.2991% | 6,723 |
| Net loans and leases to total assets | 63.9716% | 4,337 |
| Net loans and leases to deposits | 75.0575% | 4,568 |
| Net loans and leases to core deposits | 77.8842% | 5,031 |
| Total domestic deposits to total assets | 85.2301% | 3,553 |
| Equity capital to assets | 10.1446% | 3,677 |
| Core capital (leverage) ratio | 10.1878% | 2,941 |
| Tier 1 risk-based capital ratio | 13.2194% | 4,195 |
| Total risk-based capital ratio | 14.4390% | 4,173 |
| Memoranda: | ||
| Average total assets | $101,427,500 | 5,107 |
| Average earning assets | $94,578,500 | 5,030 |
| Average equity | $10,183,000 | 5,185 |
| Average total loans | $66,800,500 | 4,978 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1504% | 5,874 |
| Cost of funding earning assets | 1.4522% | 5,716 |
| Net interest margin | 3.6983% | 4,150 |
| Noninterest income to average assets | 0.2690% | 6,192 |
| Noninterest expense to average assets | 2.3197% | 6,694 |
| Loan and lease loss provision to assets | 0.0211% | 7,291 |
| Net operating income to assets | 1.1544% | 1,374 |
| Return on assets (ROA) | 1.1562% | 1,395 |
| Pretax return on assets | 1.3798% | 1,482 |
| Return on Equity (ROE) | 8.6200% | 2,158 |
| Retained earnings to average equity (ytd only) | 2.3280% | 3,491 |
| Net charge-offs to loans | -0.0215% | 7,792 |
| Credit loss provision to net charge-offs | -153.8462% | 7,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2695% | 6,112 |
| Assets per employee ($millions) | 3.6011% | 4,781 |
| Cash dividends to net income (ytd only)* | 72.9927% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 4,154 |
| Loan loss allowance to noncurrent loans | 360.9848% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 6,793 |
| Noncurrent loans to loans | 0.3917% | 6,497 |
| Net loans and leases to total assets | 65.8951% | 4,180 |
| Net loans and leases to deposits | 76.8453% | 4,594 |
| Net loans and leases to core deposits | 92.8921% | 4,795 |
| Total domestic deposits to total assets | 85.7503% | 3,139 |
| Equity capital to assets | 9.9336% | 3,858 |
| Core capital (leverage) ratio | 11.2999% | 2,042 |
| Tier 1 risk-based capital ratio | 12.7702% | 4,306 |
| Total risk-based capital ratio | 14.0060% | 4,261 |
| Memoranda: | ||
| Average total assets | $94,795,000 | 5,247 |
| Average earning assets | $88,419,600 | 5,174 |
| Average equity | $12,714,600 | 4,585 |
| Average total loans | $60,495,000 | 5,227 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1158% | 1,591 |
| Cost of funding earning assets | 1.7895% | 4,422 |
| Net interest margin | 4.3262% | 1,657 |
| Noninterest income to average assets | 0.2454% | 6,477 |
| Noninterest expense to average assets | 2.4717% | 6,172 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5891% | 678 |
| Return on assets (ROA) | 1.5913% | 726 |
| Pretax return on assets | 1.8190% | 771 |
| Return on Equity (ROE) | 10.7409% | 1,695 |
| Retained earnings to average equity (ytd only) | 3.9105% | 3,104 |
| Net charge-offs to loans | -0.0299% | 7,801 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6401% | 6,769 |
| Assets per employee ($millions) | 3.4651% | 5,015 |
| Cash dividends to net income (ytd only)* | 63.5927% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 4,494 |
| Loan loss allowance to noncurrent loans | 2,987.5000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 7,511 |
| Noncurrent loans to loans | 0.0435% | 7,402 |
| Net loans and leases to total assets | 65.4299% | 4,551 |
| Net loans and leases to deposits | 83.3314% | 3,768 |
| Net loans and leases to core deposits | 100.9237% | 4,272 |
| Total domestic deposits to total assets | 78.5177% | 5,946 |
| Equity capital to assets | 14.2331% | 1,227 |
| Core capital (leverage) ratio | 14.3808% | 988 |
| Tier 1 risk-based capital ratio | 17.7837% | 2,053 |
| Total risk-based capital ratio | 18.8649% | 2,049 |
| Memoranda: | ||
| Average total assets | $52,701,250 | 6,649 |
| Average earning assets | $49,248,500 | 6,604 |
| Average equity | $7,808,000 | 6,046 |
| Average total loans | $31,197,250 | 6,615 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0664% | 1,920 |
| Cost of funding earning assets | 1.8490% | 4,519 |
| Net interest margin | 4.2174% | 1,930 |
| Noninterest income to average assets | 0.2279% | 6,653 |
| Noninterest expense to average assets | 2.4060% | 6,442 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5370% | 773 |
| Return on assets (ROA) | 1.5370% | 831 |
| Pretax return on assets | 1.7417% | 948 |
| Return on Equity (ROE) | 10.2309% | 1,935 |
| Retained earnings to average equity (ytd only) | 5.0898% | 2,459 |
| Net charge-offs to loans | 0.0477% | 5,808 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 64.4286% | 560 |
| Efficiency ratio | 58.0074% | 6,868 |
| Assets per employee ($millions) | 3.3870% | 5,098 |
| Cash dividends to net income (ytd only)* | 50.2513% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 3,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 59.6453% | 5,741 |
| Net loans and leases to deposits | 75.3819% | 5,265 |
| Net loans and leases to core deposits | 90.3079% | 5,507 |
| Total domestic deposits to total assets | 79.1242% | 5,777 |
| Equity capital to assets | 14.4523% | 1,176 |
| Core capital (leverage) ratio | 14.3412% | 1,060 |
| Tier 1 risk-based capital ratio | 19.5981% | 1,656 |
| Total risk-based capital ratio | 20.7593% | 1,633 |
| Memoranda: | ||
| Average total assets | $51,788,000 | 6,757 |
| Average earning assets | $48,134,330 | 6,704 |
| Average equity | $7,780,330 | 6,097 |
| Average total loans | $29,345,330 | 6,772 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1442% | 1,785 |
| Cost of funding earning assets | 1.9158% | 4,552 |
| Net interest margin | 4.2285% | 1,812 |
| Noninterest income to average assets | 0.2214% | 6,700 |
| Noninterest expense to average assets | 2.3168% | 6,479 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5657% | 833 |
| Return on assets (ROA) | 1.5657% | 910 |
| Pretax return on assets | 1.7791% | 1,018 |
| Return on Equity (ROE) | 10.2134% | 2,235 |
| Retained earnings to average equity (ytd only) | 10.2134% | 1,137 |
| Net charge-offs to loans | -0.0145% | 7,363 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5637% | 6,890 |
| Assets per employee ($millions) | 3.1953% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 2,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 54.7649% | 6,388 |
| Net loans and leases to deposits | 70.4033% | 5,940 |
| Net loans and leases to core deposits | 82.7315% | 6,169 |
| Total domestic deposits to total assets | 77.7873% | 6,082 |
| Equity capital to assets | 15.3490% | 1,000 |
| Core capital (leverage) ratio | 15.4668% | 873 |
| Tier 1 risk-based capital ratio | 21.7485% | 1,329 |
| Total risk-based capital ratio | 22.9983% | 1,299 |
| Memoranda: | ||
| Average total assets | $50,586,000 | 6,843 |
| Average earning assets | $46,352,500 | 6,824 |
| Average equity | $7,754,500 | 6,140 |
| Average total loans | $27,624,500 | 6,906 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5454% | 2,743 |
| Cost of funding earning assets | 2.4238% | 4,612 |
| Net interest margin | 4.1215% | 2,620 |
| Noninterest income to average assets | 0.2845% | 6,432 |
| Noninterest expense to average assets | 2.4682% | 6,137 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3616% | 1,318 |
| Return on assets (ROA) | 1.3616% | 1,277 |
| Pretax return on assets | 1.5696% | 1,481 |
| Return on Equity (ROE) | 9.0714% | 2,618 |
| Retained earnings to average equity (ytd only) | 0.5751% | 4,895 |
| Net charge-offs to loans | 0.0113% | 6,765 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 266.6667% | 187 |
| Efficiency ratio | 61.1273% | 6,135 |
| Assets per employee ($millions) | 3.3365% | 5,129 |
| Cash dividends to net income (ytd only)* | 93.6599% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 1,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 52.5655% | 6,795 |
| Net loans and leases to deposits | 67.7326% | 6,486 |
| Net loans and leases to core deposits | 79.8543% | 6,630 |
| Total domestic deposits to total assets | 77.6075% | 5,836 |
| Equity capital to assets | 15.3093% | 1,087 |
| Core capital (leverage) ratio | 15.1940% | 985 |
| Tier 1 risk-based capital ratio | 22.5222% | 1,249 |
| Total risk-based capital ratio | 23.7733% | 1,225 |
| Memoranda: | ||
| Average total assets | $50,968,400 | 6,736 |
| Average earning assets | $46,414,600 | 6,747 |
| Average equity | $7,650,400 | 6,230 |
| Average total loans | $26,503,200 | 6,930 |