Home > Citizens Community Bank > Performance and Condition Ratios
Citizens Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2352% | 903 |
| Cost of funding earning assets | 2.2786% | 1,263 |
| Net interest margin | 3.9566% | 1,374 |
| Noninterest income to average assets | 0.4000% | 2,235 |
| Noninterest expense to average assets | 1.9011% | 3,733 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.8596% | 567 |
| Return on assets (ROA) | 1.8596% | 567 |
| Pretax return on assets | 2.2006% | 498 |
| Return on Equity (ROE) | 16.8700% | 776 |
| Retained earnings to average equity (ytd only) | 15.0433% | 417 |
| Net charge-offs to loans | 0.0019% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 1,910.0000% | 34 |
| Efficiency ratio | 46.3483% | 4,085 |
| Assets per employee ($millions) | 8.0644% | 1,525 |
| Cash dividends to net income (ytd only)* | 10.8426% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 882 |
| Loan loss allowance to noncurrent loans | 589.9461% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 2,705 |
| Noncurrent loans to loans | 0.2647% | 2,547 |
| Net loans and leases to total assets | 59.7400% | 2,902 |
| Net loans and leases to deposits | 68.3262% | 2,963 |
| Net loans and leases to core deposits | 76.6552% | 2,916 |
| Total domestic deposits to total assets | 87.4400% | 1,757 |
| Equity capital to assets | 11.3257% | 1,499 |
| Core capital (leverage) ratio | 13.7238% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $347,175,500 | 2,273 |
| Average earning assets | $324,929,500 | 2,256 |
| Average equity | $38,263,000 | 2,094 |
| Average total loans | $212,015,500 | 2,328 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4548% | 755 |
| Cost of funding earning assets | 2.5080% | 1,137 |
| Net interest margin | 3.9467% | 1,267 |
| Noninterest income to average assets | 0.2900% | 3,113 |
| Noninterest expense to average assets | 1.8832% | 3,811 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 1.5134% | 885 |
| Return on assets (ROA) | 1.5134% | 882 |
| Pretax return on assets | 1.9916% | 611 |
| Return on Equity (ROE) | 13.9400% | 1,141 |
| Retained earnings to average equity (ytd only) | 7.9939% | 1,120 |
| Net charge-offs to loans | 0.4398% | 339 |
| Credit loss provision to net charge-offs | 37.7562% | 2,396 |
| Earnings coverage of net charge-offs (x) | 7.5707% | 2,427 |
| Efficiency ratio | 47.3242% | 4,123 |
| Assets per employee ($millions) | 8.0833% | 1,489 |
| Cash dividends to net income (ytd only)* | 42.6485% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 907 |
| Loan loss allowance to noncurrent loans | 900.5479% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 1,399 |
| Noncurrent loans to loans | 0.1709% | 2,828 |
| Net loans and leases to total assets | 60.5000% | 2,889 |
| Net loans and leases to deposits | 68.6299% | 3,040 |
| Net loans and leases to core deposits | 76.5514% | 3,010 |
| Total domestic deposits to total assets | 88.1600% | 1,452 |
| Equity capital to assets | 10.7174% | 1,714 |
| Core capital (leverage) ratio | 13.1722% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $334,808,400 | 2,300 |
| Average earning assets | $312,637,600 | 2,285 |
| Average equity | $36,352,600 | 2,124 |
| Average total loans | $210,762,600 | 2,290 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4039% | 782 |
| Cost of funding earning assets | 2.5192% | 1,136 |
| Net interest margin | 3.8847% | 1,322 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 1.9199% | 3,721 |
| Loan and lease loss provision to assets | 0.1400% | 908 |
| Net operating income to assets | 1.3952% | 1,104 |
| Return on assets (ROA) | 1.3952% | 1,109 |
| Pretax return on assets | 1.8591% | 799 |
| Return on Equity (ROE) | 12.8100% | 1,413 |
| Retained earnings to average equity (ytd only) | 11.3779% | 595 |
| Net charge-offs to loans | 0.5954% | 222 |
| Credit loss provision to net charge-offs | 37.3134% | 2,121 |
| Earnings coverage of net charge-offs (x) | 5.3028% | 2,381 |
| Efficiency ratio | 48.9794% | 4,049 |
| Assets per employee ($millions) | 8.0174% | 1,501 |
| Cash dividends to net income (ytd only)* | 11.1527% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 937 |
| Loan loss allowance to noncurrent loans | 225.7753% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 813 |
| Noncurrent loans to loans | 0.6866% | 1,431 |
| Net loans and leases to total assets | 60.3500% | 2,897 |
| Net loans and leases to deposits | 70.9797% | 2,905 |
| Net loans and leases to core deposits | 79.4780% | 2,845 |
| Total domestic deposits to total assets | 85.0300% | 2,281 |
| Equity capital to assets | 11.4275% | 1,510 |
| Core capital (leverage) ratio | 13.6054% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $331,614,750 | 2,301 |
| Average earning assets | $309,719,000 | 2,293 |
| Average equity | $36,127,750 | 2,128 |
| Average total loans | $210,057,750 | 2,292 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4389% | 680 |
| Cost of funding earning assets | 2.4668% | 1,140 |
| Net interest margin | 3.9721% | 1,153 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 1.9057% | 3,749 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.4778% | 956 |
| Return on assets (ROA) | 1.4778% | 953 |
| Pretax return on assets | 1.9704% | 667 |
| Return on Equity (ROE) | 13.8000% | 1,194 |
| Retained earnings to average equity (ytd only) | 11.5930% | 593 |
| Net charge-offs to loans | 0.0286% | 1,579 |
| Credit loss provision to net charge-offs | 666.6667% | 520 |
| Earnings coverage of net charge-offs (x) | 114.1333% | 719 |
| Efficiency ratio | 47.6613% | 4,122 |
| Assets per employee ($millions) | 7.7783% | 1,575 |
| Cash dividends to net income (ytd only)* | 16.0050% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9331% | 439 |
| Loan loss allowance to noncurrent loans | 296.6176% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 1,578 |
| Noncurrent loans to loans | 0.6517% | 1,416 |
| Net loans and leases to total assets | 61.1900% | 2,848 |
| Net loans and leases to deposits | 71.3914% | 2,883 |
| Net loans and leases to core deposits | 79.2250% | 2,847 |
| Total domestic deposits to total assets | 85.7100% | 2,072 |
| Equity capital to assets | 10.8091% | 1,656 |
| Core capital (leverage) ratio | 13.3516% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $327,237,333 | 2,304 |
| Average earning assets | $305,735,000 | 2,299 |
| Average equity | $35,038,333 | 2,137 |
| Average total loans | $209,629,333 | 2,285 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3521% | 694 |
| Cost of funding earning assets | 2.3407% | 1,265 |
| Net interest margin | 4.0114% | 1,074 |
| Noninterest income to average assets | 0.2800% | 3,064 |
| Noninterest expense to average assets | 1.8713% | 3,834 |
| Loan and lease loss provision to assets | 0.1900% | 543 |
| Net operating income to assets | 1.4770% | 933 |
| Return on assets (ROA) | 1.4770% | 940 |
| Pretax return on assets | 1.9690% | 657 |
| Return on Equity (ROE) | 13.8600% | 1,168 |
| Retained earnings to average equity (ytd only) | 13.8627% | 513 |
| Net charge-offs to loans | 0.0228% | 1,385 |
| Credit loss provision to net charge-offs | 1,250.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 145.2500% | 530 |
| Efficiency ratio | 46.4845% | 4,161 |
| Assets per employee ($millions) | 7.7200% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8821% | 473 |
| Loan loss allowance to noncurrent loans | 253.6122% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 1,323 |
| Noncurrent loans to loans | 0.7421% | 1,204 |
| Net loans and leases to total assets | 62.8500% | 2,585 |
| Net loans and leases to deposits | 73.0079% | 2,677 |
| Net loans and leases to core deposits | 81.1778% | 2,639 |
| Total domestic deposits to total assets | 86.0800% | 2,068 |
| Equity capital to assets | 10.4646% | 1,744 |
| Core capital (leverage) ratio | 13.4976% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $323,622,000 | 2,327 |
| Average earning assets | $302,136,500 | 2,325 |
| Average equity | $34,481,000 | 2,162 |
| Average total loans | $210,102,000 | 2,281 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6858% | 946 |
| Cost of funding earning assets | 1.5502% | 1,809 |
| Net interest margin | 4.1356% | 1,026 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.8816% | 3,868 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.6858% | 754 |
| Return on assets (ROA) | 1.6888% | 714 |
| Pretax return on assets | 2.2239% | 479 |
| Return on Equity (ROE) | 16.3200% | 1,053 |
| Retained earnings to average equity (ytd only) | 9.9385% | 1,027 |
| Net charge-offs to loans | 0.1198% | 809 |
| Credit loss provision to net charge-offs | 131.0044% | 1,592 |
| Earnings coverage of net charge-offs (x) | 32.0349% | 1,596 |
| Efficiency ratio | 44.8380% | 4,227 |
| Assets per employee ($millions) | 7.3322% | 1,851 |
| Cash dividends to net income (ytd only)* | 39.1069% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8615% | 478 |
| Loan loss allowance to noncurrent loans | 329.6928% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 1,484 |
| Noncurrent loans to loans | 0.5646% | 1,384 |
| Net loans and leases to total assets | 64.6100% | 2,411 |
| Net loans and leases to deposits | 73.3310% | 2,666 |
| Net loans and leases to core deposits | 80.6582% | 2,669 |
| Total domestic deposits to total assets | 88.1100% | 1,309 |
| Equity capital to assets | 10.8549% | 1,554 |
| Core capital (leverage) ratio | 13.5501% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $316,915,400 | 2,335 |
| Average earning assets | $294,541,200 | 2,335 |
| Average equity | $32,791,800 | 2,150 |
| Average total loans | $191,123,000 | 2,354 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5191% | 988 |
| Cost of funding earning assets | 1.3826% | 1,910 |
| Net interest margin | 4.1365% | 1,008 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 1.8664% | 3,858 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.7070% | 790 |
| Return on assets (ROA) | 1.7109% | 769 |
| Pretax return on assets | 2.2845% | 492 |
| Return on Equity (ROE) | 16.7400% | 1,125 |
| Retained earnings to average equity (ytd only) | 15.1443% | 538 |
| Net charge-offs to loans | 0.1633% | 520 |
| Credit loss provision to net charge-offs | 65.5022% | 1,830 |
| Earnings coverage of net charge-offs (x) | 24.3450% | 1,712 |
| Efficiency ratio | 44.3446% | 4,213 |
| Assets per employee ($millions) | 7.0221% | 1,946 |
| Cash dividends to net income (ytd only)* | 9.5285% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 512 |
| Loan loss allowance to noncurrent loans | 305.4276% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 1,432 |
| Noncurrent loans to loans | 0.6089% | 1,324 |
| Net loans and leases to total assets | 64.9000% | 2,354 |
| Net loans and leases to deposits | 73.7671% | 2,590 |
| Net loans and leases to core deposits | 80.1241% | 2,592 |
| Total domestic deposits to total assets | 87.9800% | 1,579 |
| Equity capital to assets | 10.8386% | 1,413 |
| Core capital (leverage) ratio | 14.0004% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $317,322,750 | 2,339 |
| Average earning assets | $294,701,000 | 2,335 |
| Average equity | $32,433,750 | 2,149 |
| Average total loans | $187,011,000 | 2,387 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3059% | 1,072 |
| Cost of funding earning assets | 1.1570% | 2,116 |
| Net interest margin | 4.1489% | 1,005 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 1.8049% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8140% | 640 |
| Return on assets (ROA) | 1.8198% | 631 |
| Pretax return on assets | 2.4314% | 388 |
| Return on Equity (ROE) | 18.1500% | 932 |
| Retained earnings to average equity (ytd only) | 15.7472% | 499 |
| Net charge-offs to loans | 0.2309% | 354 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 18.5213% | 1,762 |
| Efficiency ratio | 42.6811% | 4,309 |
| Assets per employee ($millions) | 7.0614% | 1,880 |
| Cash dividends to net income (ytd only)* | 13.2243% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8853% | 514 |
| Loan loss allowance to noncurrent loans | 319.2513% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 1,374 |
| Noncurrent loans to loans | 0.5905% | 1,272 |
| Net loans and leases to total assets | 61.3900% | 2,632 |
| Net loans and leases to deposits | 69.6914% | 2,808 |
| Net loans and leases to core deposits | 74.1336% | 2,870 |
| Total domestic deposits to total assets | 88.0900% | 1,569 |
| Equity capital to assets | 10.9166% | 1,423 |
| Core capital (leverage) ratio | 13.3520% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $322,447,333 | 2,312 |
| Average earning assets | $299,401,333 | 2,320 |
| Average equity | $32,336,000 | 2,175 |
| Average total loans | $182,785,333 | 2,413 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9853% | 1,255 |
| Cost of funding earning assets | 0.9583% | 2,189 |
| Net interest margin | 4.0270% | 1,215 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.7285% | 4,162 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7321% | 773 |
| Return on assets (ROA) | 1.7321% | 766 |
| Pretax return on assets | 2.3131% | 471 |
| Return on Equity (ROE) | 18.0000% | 1,029 |
| Retained earnings to average equity (ytd only) | 18.0016% | 511 |
| Net charge-offs to loans | -0.1094% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.7677% | 4,355 |
| Assets per employee ($millions) | 7.4209% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1384% | 351 |
| Loan loss allowance to noncurrent loans | 691.0072% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 2,283 |
| Noncurrent loans to loans | 0.3095% | 2,037 |
| Net loans and leases to total assets | 55.1000% | 3,111 |
| Net loans and leases to deposits | 62.0408% | 3,224 |
| Net loans and leases to core deposits | 65.6381% | 3,256 |
| Total domestic deposits to total assets | 88.8100% | 1,609 |
| Equity capital to assets | 10.2307% | 1,708 |
| Core capital (leverage) ratio | 12.5579% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3496% | 800 |
| Memoranda: | ||
| Average total assets | $331,851,500 | 2,309 |
| Average earning assets | $307,621,500 | 2,300 |
| Average equity | $31,930,500 | 2,217 |
| Average total loans | $179,181,000 | 2,462 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 529 |
| Cost of funding earning assets | 0.3714% | 2,315 |
| Net interest margin | 4.3110% | 413 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.8068% | 4,021 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.9547% | 325 |
| Return on assets (ROA) | 1.9547% | 314 |
| Pretax return on assets | 2.5150% | 208 |
| Return on Equity (ROE) | 19.1400% | 553 |
| Retained earnings to average equity (ytd only) | 12.9007% | 526 |
| Net charge-offs to loans | -0.0101% | 3,834 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.2032% | 4,512 |
| Assets per employee ($millions) | 8.0141% | 1,315 |
| Cash dividends to net income (ytd only)* | 32.5826% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1226% | 348 |
| Loan loss allowance to noncurrent loans | 2,447.0968% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 3,360 |
| Noncurrent loans to loans | 0.0867% | 3,133 |
| Net loans and leases to total assets | 50.7500% | 3,454 |
| Net loans and leases to deposits | 56.2247% | 3,563 |
| Net loans and leases to core deposits | 58.7036% | 3,572 |
| Total domestic deposits to total assets | 90.2700% | 1,250 |
| Equity capital to assets | 9.0582% | 2,324 |
| Core capital (leverage) ratio | 12.2826% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4929% | 896 |
| Memoranda: | ||
| Average total assets | $315,746,600 | 2,374 |
| Average earning assets | $286,455,600 | 2,407 |
| Average equity | $32,254,000 | 2,234 |
| Average total loans | $167,810,200 | 2,479 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7000% | 354 |
| Cost of funding earning assets | 0.3116% | 2,042 |
| Net interest margin | 4.3884% | 288 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 1.8198% | 3,943 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 2.0259% | 276 |
| Return on assets (ROA) | 2.0259% | 279 |
| Pretax return on assets | 2.6231% | 188 |
| Return on Equity (ROE) | 19.2200% | 511 |
| Retained earnings to average equity (ytd only) | 17.6413% | 179 |
| Net charge-offs to loans | -0.0170% | 3,932 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 40.1775% | 4,568 |
| Assets per employee ($millions) | 7.3030% | 1,748 |
| Cash dividends to net income (ytd only)* | 8.2338% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1683% | 365 |
| Loan loss allowance to noncurrent loans | 1,506.7460% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 3,104 |
| Noncurrent loans to loans | 0.1439% | 2,901 |
| Net loans and leases to total assets | 54.5600% | 3,043 |
| Net loans and leases to deposits | 61.1109% | 3,101 |
| Net loans and leases to core deposits | 64.1294% | 3,102 |
| Total domestic deposits to total assets | 89.2700% | 1,973 |
| Equity capital to assets | 9.8383% | 1,701 |
| Core capital (leverage) ratio | 12.9111% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5338% | 785 |
| Memoranda: | ||
| Average total assets | $308,531,750 | 2,423 |
| Average earning assets | $278,942,500 | 2,466 |
| Average equity | $32,513,750 | 2,253 |
| Average total loans | $165,089,250 | 2,497 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 340 |
| Cost of funding earning assets | 0.3051% | 1,677 |
| Net interest margin | 4.2548% | 300 |
| Noninterest income to average assets | 0.6893% | 1,386 |
| Noninterest expense to average assets | 1.8037% | 3,944 |
| Loan and lease loss provision to assets | 0.0652% | 1,437 |
| Net operating income to assets | 2.0822% | 191 |
| Return on assets (ROA) | 2.0822% | 192 |
| Pretax return on assets | 2.6580% | 139 |
| Return on Equity (ROE) | 19.3203% | 362 |
| Retained earnings to average equity (ytd only) | 16.9847% | 152 |
| Net charge-offs to loans | -0.0198% | 3,868 |
| Credit loss provision to net charge-offs | -625.0000% | 3,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8444% | 4,614 |
| Assets per employee ($millions) | 7.1709% | 1,829 |
| Cash dividends to net income (ytd only)* | 12.0889% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1995% | 385 |
| Loan loss allowance to noncurrent loans | 1,079.5322% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 2,910 |
| Noncurrent loans to loans | 0.2037% | 2,695 |
| Net loans and leases to total assets | 54.5088% | 2,910 |
| Net loans and leases to deposits | 61.1898% | 2,959 |
| Net loans and leases to core deposits | 64.1770% | 2,950 |
| Total domestic deposits to total assets | 89.0815% | 2,146 |
| Equity capital to assets | 10.0629% | 1,682 |
| Core capital (leverage) ratio | 12.3185% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8641% | 739 |
| Memoranda: | ||
| Average total assets | $306,699,667 | 2,454 |
| Average earning assets | $276,627,000 | 2,498 |
| Average equity | $33,053,333 | 2,273 |
| Average total loans | $161,747,000 | 2,535 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 836 |
| Cost of funding earning assets | 0.2908% | 1,739 |
| Net interest margin | 3.6697% | 790 |
| Noninterest income to average assets | 1.0534% | 621 |
| Noninterest expense to average assets | 1.7488% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.1418% | 173 |
| Return on assets (ROA) | 2.1418% | 172 |
| Pretax return on assets | 2.6162% | 151 |
| Return on Equity (ROE) | 19.2526% | 258 |
| Retained earnings to average equity (ytd only) | 19.2526% | 111 |
| Net charge-offs to loans | -0.0555% | 4,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0651% | 4,641 |
| Assets per employee ($millions) | 7.5103% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2370% | 414 |
| Loan loss allowance to noncurrent loans | 922.5641% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 2,917 |
| Noncurrent loans to loans | 0.2425% | 2,625 |
| Net loans and leases to total assets | 51.0642% | 3,064 |
| Net loans and leases to deposits | 57.9544% | 3,082 |
| Net loans and leases to core deposits | 60.8242% | 3,080 |
| Total domestic deposits to total assets | 88.1110% | 2,477 |
| Equity capital to assets | 10.9462% | 1,351 |
| Core capital (leverage) ratio | 11.8968% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8578% | 660 |
| Memoranda: | ||
| Average total assets | $309,461,000 | 2,453 |
| Average earning assets | $279,261,500 | 2,503 |
| Average equity | $34,426,500 | 2,275 |
| Average total loans | $158,690,500 | 2,561 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 533 |
| Cost of funding earning assets | 0.3870% | 1,636 |
| Net interest margin | 4.1813% | 505 |
| Noninterest income to average assets | 0.3053% | 3,582 |
| Noninterest expense to average assets | 1.8686% | 4,000 |
| Loan and lease loss provision to assets | 0.0854% | 1,442 |
| Net operating income to assets | 1.5459% | 926 |
| Return on assets (ROA) | 1.5459% | 960 |
| Pretax return on assets | 2.0294% | 573 |
| Return on Equity (ROE) | 13.0775% | 1,436 |
| Retained earnings to average equity (ytd only) | 7.4964% | 1,722 |
| Net charge-offs to loans | 0.0947% | 885 |
| Credit loss provision to net charge-offs | 167.7852% | 1,419 |
| Earnings coverage of net charge-offs (x) | 41.5638% | 1,412 |
| Efficiency ratio | 46.9096% | 4,459 |
| Assets per employee ($millions) | 7.5853% | 1,562 |
| Cash dividends to net income (ytd only)* | 42.6773% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2843% | 393 |
| Loan loss allowance to noncurrent loans | 789.4040% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 2,922 |
| Noncurrent loans to loans | 0.2894% | 2,559 |
| Net loans and leases to total assets | 49.1862% | 3,382 |
| Net loans and leases to deposits | 55.9394% | 3,424 |
| Net loans and leases to core deposits | 58.7638% | 3,411 |
| Total domestic deposits to total assets | 87.9276% | 2,083 |
| Equity capital to assets | 11.3014% | 1,604 |
| Core capital (leverage) ratio | 11.4346% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9685% | 759 |
| Memoranda: | ||
| Average total assets | $292,843,800 | 2,468 |
| Average earning assets | $257,598,000 | 2,571 |
| Average equity | $34,616,600 | 2,308 |
| Average total loans | $157,409,000 | 2,571 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 643 |
| Cost of funding earning assets | 0.4174% | 1,565 |
| Net interest margin | 4.1094% | 642 |
| Noninterest income to average assets | 0.2886% | 3,728 |
| Noninterest expense to average assets | 1.8781% | 3,995 |
| Loan and lease loss provision to assets | 0.0461% | 2,075 |
| Net operating income to assets | 1.4725% | 1,334 |
| Return on assets (ROA) | 1.4725% | 1,385 |
| Pretax return on assets | 1.9613% | 849 |
| Return on Equity (ROE) | 12.3107% | 1,935 |
| Retained earnings to average equity (ytd only) | 10.8183% | 1,101 |
| Net charge-offs to loans | 0.0203% | 1,644 |
| Credit loss provision to net charge-offs | 416.6667% | 841 |
| Earnings coverage of net charge-offs (x) | 180.8750% | 598 |
| Efficiency ratio | 48.3337% | 4,342 |
| Assets per employee ($millions) | 7.2898% | 1,685 |
| Cash dividends to net income (ytd only)* | 12.1231% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2448% | 422 |
| Loan loss allowance to noncurrent loans | 609.0909% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 2,598 |
| Noncurrent loans to loans | 0.3686% | 2,462 |
| Net loans and leases to total assets | 51.7378% | 3,218 |
| Net loans and leases to deposits | 59.4698% | 3,275 |
| Net loans and leases to core deposits | 62.2839% | 3,287 |
| Total domestic deposits to total assets | 86.9985% | 2,354 |
| Equity capital to assets | 12.0410% | 1,381 |
| Core capital (leverage) ratio | 11.5048% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8403% | 844 |
| Memoranda: | ||
| Average total assets | $288,305,250 | 2,511 |
| Average earning assets | $252,357,250 | 2,629 |
| Average equity | $34,484,000 | 2,341 |
| Average total loans | $157,625,250 | 2,604 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3122% | 986 |
| Cost of funding earning assets | 0.4390% | 1,596 |
| Net interest margin | 3.8731% | 1,022 |
| Noninterest income to average assets | 0.3174% | 3,525 |
| Noninterest expense to average assets | 1.8822% | 4,012 |
| Loan and lease loss provision to assets | 0.0702% | 1,646 |
| Net operating income to assets | 1.3835% | 1,613 |
| Return on assets (ROA) | 1.3835% | 1,688 |
| Pretax return on assets | 1.8407% | 1,142 |
| Return on Equity (ROE) | 11.5941% | 2,202 |
| Retained earnings to average equity (ytd only) | 9.3224% | 1,616 |
| Net charge-offs to loans | 0.1156% | 670 |
| Credit loss provision to net charge-offs | 109.8901% | 1,308 |
| Earnings coverage of net charge-offs (x) | 29.9011% | 1,310 |
| Efficiency ratio | 49.6204% | 4,263 |
| Assets per employee ($millions) | 7.0314% | 1,780 |
| Cash dividends to net income (ytd only)* | 19.5939% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1710% | 451 |
| Loan loss allowance to noncurrent loans | 387.9733% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 2,361 |
| Noncurrent loans to loans | 0.5596% | 1,998 |
| Net loans and leases to total assets | 54.4584% | 3,087 |
| Net loans and leases to deposits | 62.5470% | 3,144 |
| Net loans and leases to core deposits | 65.8002% | 3,130 |
| Total domestic deposits to total assets | 87.0681% | 2,279 |
| Equity capital to assets | 12.0034% | 1,359 |
| Core capital (leverage) ratio | 11.7240% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7851% | 725 |
| Memoranda: | ||
| Average total assets | $284,780,333 | 2,525 |
| Average earning assets | $255,556,667 | 2,591 |
| Average equity | $33,982,667 | 2,356 |
| Average total loans | $157,438,667 | 2,616 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 986 |
| Cost of funding earning assets | 0.4808% | 1,513 |
| Net interest margin | 3.8557% | 1,052 |
| Noninterest income to average assets | 0.3279% | 3,461 |
| Noninterest expense to average assets | 1.9023% | 3,980 |
| Loan and lease loss provision to assets | 0.1413% | 942 |
| Net operating income to assets | 1.3101% | 1,793 |
| Return on assets (ROA) | 1.3101% | 1,876 |
| Pretax return on assets | 1.7412% | 1,413 |
| Return on Equity (ROE) | 11.0121% | 2,365 |
| Retained earnings to average equity (ytd only) | 11.0121% | 1,401 |
| Net charge-offs to loans | 0.1462% | 526 |
| Credit loss provision to net charge-offs | 175.4386% | 933 |
| Earnings coverage of net charge-offs (x) | 23.3684% | 1,192 |
| Efficiency ratio | 50.2614% | 4,166 |
| Assets per employee ($millions) | 6.8903% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2353% | 399 |
| Loan loss allowance to noncurrent loans | 196.7562% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6648% | 1,420 |
| Noncurrent loans to loans | 1.1361% | 1,181 |
| Net loans and leases to total assets | 53.1690% | 3,323 |
| Net loans and leases to deposits | 60.8814% | 3,420 |
| Net loans and leases to core deposits | 63.9459% | 3,420 |
| Total domestic deposits to total assets | 87.3321% | 2,167 |
| Equity capital to assets | 11.6875% | 1,447 |
| Core capital (leverage) ratio | 11.9177% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1138% | 775 |
| Memoranda: | ||
| Average total assets | $283,027,500 | 2,523 |
| Average earning assets | $253,757,000 | 2,587 |
| Average equity | $33,672,000 | 2,368 |
| Average total loans | $155,918,000 | 2,638 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2714% | 284 |
| Cost of funding earning assets | 0.6987% | 1,722 |
| Net interest margin | 4.5727% | 281 |
| Noninterest income to average assets | 0.3894% | 3,156 |
| Noninterest expense to average assets | 1.9684% | 4,202 |
| Loan and lease loss provision to assets | 0.3455% | 1,008 |
| Net operating income to assets | 1.6135% | 622 |
| Return on assets (ROA) | 1.6135% | 675 |
| Pretax return on assets | 2.1352% | 342 |
| Return on Equity (ROE) | 12.6049% | 1,152 |
| Retained earnings to average equity (ytd only) | 6.9097% | 1,425 |
| Net charge-offs to loans | 0.2151% | 812 |
| Credit loss provision to net charge-offs | 259.5870% | 1,891 |
| Earnings coverage of net charge-offs (x) | 18.6401% | 2,014 |
| Efficiency ratio | 44.2425% | 4,781 |
| Assets per employee ($millions) | 6.2878% | 2,092 |
| Cash dividends to net income (ytd only)* | 45.1825% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2499% | 373 |
| Loan loss allowance to noncurrent loans | 247.3310% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 1,897 |
| Noncurrent loans to loans | 0.9097% | 1,551 |
| Net loans and leases to total assets | 54.5704% | 3,438 |
| Net loans and leases to deposits | 62.7314% | 3,545 |
| Net loans and leases to core deposits | 66.3119% | 3,519 |
| Total domestic deposits to total assets | 86.9906% | 1,956 |
| Equity capital to assets | 12.1163% | 1,516 |
| Core capital (leverage) ratio | 11.9050% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0103% | 767 |
| Memoranda: | ||
| Average total assets | $254,726,200 | 2,550 |
| Average earning assets | $226,145,800 | 2,628 |
| Average equity | $32,606,400 | 2,353 |
| Average total loans | $157,602,600 | 2,582 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4208% | 268 |
| Cost of funding earning assets | 0.7609% | 1,675 |
| Net interest margin | 4.6599% | 282 |
| Noninterest income to average assets | 0.4547% | 2,827 |
| Noninterest expense to average assets | 2.0451% | 4,060 |
| Loan and lease loss provision to assets | 0.4173% | 813 |
| Net operating income to assets | 1.5920% | 744 |
| Return on assets (ROA) | 1.5920% | 817 |
| Pretax return on assets | 2.1007% | 413 |
| Return on Equity (ROE) | 12.2550% | 1,307 |
| Retained earnings to average equity (ytd only) | 10.6696% | 634 |
| Net charge-offs to loans | 0.1970% | 775 |
| Credit loss provision to net charge-offs | 333.3333% | 1,654 |
| Earnings coverage of net charge-offs (x) | 20.1154% | 1,914 |
| Efficiency ratio | 44.8183% | 4,762 |
| Assets per employee ($millions) | 5.9652% | 2,295 |
| Cash dividends to net income (ytd only)* | 12.9368% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1818% | 361 |
| Loan loss allowance to noncurrent loans | 225.0970% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 1.2131% | 819 |
| Noncurrent loans to loans | 0.9693% | 1,548 |
| Net loans and leases to total assets | 59.4442% | 3,285 |
| Net loans and leases to deposits | 69.1382% | 3,387 |
| Net loans and leases to core deposits | 73.2687% | 3,378 |
| Total domestic deposits to total assets | 85.9789% | 2,079 |
| Equity capital to assets | 12.9307% | 1,214 |
| Core capital (leverage) ratio | 12.8157% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2678% | 644 |
| Memoranda: | ||
| Average total assets | $249,242,500 | 2,569 |
| Average earning assets | $219,739,500 | 2,657 |
| Average equity | $32,377,750 | 2,352 |
| Average total loans | $158,390,750 | 2,587 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4810% | 347 |
| Cost of funding earning assets | 0.8352% | 1,654 |
| Net interest margin | 4.6458% | 381 |
| Noninterest income to average assets | 0.4133% | 3,000 |
| Noninterest expense to average assets | 2.0732% | 4,093 |
| Loan and lease loss provision to assets | 0.3921% | 1,044 |
| Net operating income to assets | 1.5415% | 862 |
| Return on assets (ROA) | 1.5415% | 933 |
| Pretax return on assets | 2.0512% | 493 |
| Return on Equity (ROE) | 11.8466% | 1,370 |
| Retained earnings to average equity (ytd only) | 9.4295% | 899 |
| Net charge-offs to loans | -0.0759% | 4,791 |
| Credit loss provision to net charge-offs | -800.0000% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9034% | 4,729 |
| Assets per employee ($millions) | 5.7643% | 2,402 |
| Cash dividends to net income (ytd only)* | 20.4028% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0977% | 378 |
| Loan loss allowance to noncurrent loans | 94.2741% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.4529% | 659 |
| Noncurrent loans to loans | 2.2251% | 566 |
| Net loans and leases to total assets | 63.9255% | 2,891 |
| Net loans and leases to deposits | 74.3613% | 3,041 |
| Net loans and leases to core deposits | 78.6733% | 3,055 |
| Total domestic deposits to total assets | 85.9661% | 2,022 |
| Equity capital to assets | 12.9548% | 1,183 |
| Core capital (leverage) ratio | 12.8181% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7683% | 940 |
| Memoranda: | ||
| Average total assets | $244,834,000 | 2,575 |
| Average earning assets | $216,237,000 | 2,665 |
| Average equity | $31,857,333 | 2,369 |
| Average total loans | $158,020,333 | 2,582 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6114% | 289 |
| Cost of funding earning assets | 0.9215% | 1,762 |
| Net interest margin | 4.6898% | 337 |
| Noninterest income to average assets | 0.5307% | 2,387 |
| Noninterest expense to average assets | 2.0879% | 4,240 |
| Loan and lease loss provision to assets | 0.3327% | 926 |
| Net operating income to assets | 1.7202% | 494 |
| Return on assets (ROA) | 1.7202% | 544 |
| Pretax return on assets | 2.2925% | 237 |
| Return on Equity (ROE) | 13.1898% | 847 |
| Retained earnings to average equity (ytd only) | 13.1898% | 303 |
| Net charge-offs to loans | -0.4098% | 5,010 |
| Credit loss provision to net charge-offs | -126.5823% | 3,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2993% | 4,874 |
| Assets per employee ($millions) | 5.4398% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1101% | 426 |
| Loan loss allowance to noncurrent loans | 83.4051% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.6490% | 613 |
| Noncurrent loans to loans | 2.5300% | 473 |
| Net loans and leases to total assets | 63.8045% | 3,091 |
| Net loans and leases to deposits | 74.7080% | 3,197 |
| Net loans and leases to core deposits | 78.6201% | 3,306 |
| Total domestic deposits to total assets | 85.4052% | 2,246 |
| Equity capital to assets | 13.3589% | 1,278 |
| Core capital (leverage) ratio | 13.2809% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4302% | 930 |
| Memoranda: | ||
| Average total assets | $240,437,000 | 2,555 |
| Average earning assets | $214,422,000 | 2,623 |
| Average equity | $31,357,500 | 2,383 |
| Average total loans | $154,227,000 | 2,598 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8769% | 276 |
| Cost of funding earning assets | 0.9487% | 1,966 |
| Net interest margin | 4.9282% | 310 |
| Noninterest income to average assets | 0.3686% | 3,496 |
| Noninterest expense to average assets | 2.1007% | 4,369 |
| Loan and lease loss provision to assets | 0.4178% | 337 |
| Net operating income to assets | 1.7193% | 635 |
| Return on assets (ROA) | 1.7193% | 676 |
| Pretax return on assets | 2.2772% | 327 |
| Return on Equity (ROE) | 13.5581% | 990 |
| Retained earnings to average equity (ytd only) | 7.5993% | 1,120 |
| Net charge-offs to loans | 0.1301% | 1,470 |
| Credit loss provision to net charge-offs | 486.5672% | 601 |
| Earnings coverage of net charge-offs (x) | 31.3881% | 1,535 |
| Efficiency ratio | 43.8051% | 4,983 |
| Assets per employee ($millions) | 5.4891% | 2,072 |
| Cash dividends to net income (ytd only)* | 43.9503% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9246% | 526 |
| Loan loss allowance to noncurrent loans | 119.4625% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.0169% | 1,223 |
| Noncurrent loans to loans | 1.6111% | 876 |
| Net loans and leases to total assets | 61.9035% | 3,408 |
| Net loans and leases to deposits | 71.8049% | 3,534 |
| Net loans and leases to core deposits | 75.6369% | 3,602 |
| Total domestic deposits to total assets | 86.2107% | 1,976 |
| Equity capital to assets | 12.7277% | 1,690 |
| Core capital (leverage) ratio | 12.6752% | 1,392 |
| Tier 1 risk-based capital ratio | 18.4458% | 1,648 |
| Total risk-based capital ratio | 19.7021% | 1,616 |
| Memoranda: | ||
| Average total assets | $234,108,200 | 2,547 |
| Average earning assets | $210,298,800 | 2,601 |
| Average equity | $29,687,000 | 2,413 |
| Average total loans | $154,497,600 | 2,571 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9090% | 287 |
| Cost of funding earning assets | 0.9458% | 2,006 |
| Net interest margin | 4.9631% | 314 |
| Noninterest income to average assets | 0.3703% | 3,499 |
| Noninterest expense to average assets | 2.1642% | 4,245 |
| Loan and lease loss provision to assets | 0.4122% | 320 |
| Net operating income to assets | 1.7021% | 742 |
| Return on assets (ROA) | 1.7021% | 781 |
| Pretax return on assets | 2.2612% | 403 |
| Return on Equity (ROE) | 13.4355% | 1,128 |
| Retained earnings to average equity (ytd only) | 11.6909% | 419 |
| Net charge-offs to loans | 0.0482% | 2,150 |
| Credit loss provision to net charge-offs | 1,282.1429% | 285 |
| Earnings coverage of net charge-offs (x) | 83.1661% | 840 |
| Efficiency ratio | 44.7372% | 4,985 |
| Assets per employee ($millions) | 5.3629% | 2,162 |
| Cash dividends to net income (ytd only)* | 12.9848% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8066% | 667 |
| Loan loss allowance to noncurrent loans | 122.6719% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9739% | 1,383 |
| Noncurrent loans to loans | 1.4727% | 1,034 |
| Net loans and leases to total assets | 64.9311% | 3,188 |
| Net loans and leases to deposits | 75.8142% | 3,310 |
| Net loans and leases to core deposits | 79.9862% | 3,391 |
| Total domestic deposits to total assets | 85.6450% | 2,142 |
| Equity capital to assets | 13.1446% | 1,544 |
| Core capital (leverage) ratio | 13.1501% | 1,279 |
| Tier 1 risk-based capital ratio | 18.0107% | 1,811 |
| Total risk-based capital ratio | 19.2654% | 1,763 |
| Memoranda: | ||
| Average total assets | $232,255,000 | 2,586 |
| Average earning assets | $209,055,750 | 2,636 |
| Average equity | $29,423,750 | 2,439 |
| Average total loans | $155,011,000 | 2,598 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9017% | 284 |
| Cost of funding earning assets | 0.9282% | 2,017 |
| Net interest margin | 4.9735% | 303 |
| Noninterest income to average assets | 0.3550% | 3,561 |
| Noninterest expense to average assets | 2.2284% | 4,177 |
| Loan and lease loss provision to assets | 0.3939% | 309 |
| Net operating income to assets | 1.6726% | 762 |
| Return on assets (ROA) | 1.6726% | 794 |
| Pretax return on assets | 2.2137% | 431 |
| Return on Equity (ROE) | 13.3736% | 1,130 |
| Retained earnings to average equity (ytd only) | 10.7086% | 600 |
| Net charge-offs to loans | 0.0853% | 1,511 |
| Credit loss provision to net charge-offs | 689.3939% | 471 |
| Earnings coverage of net charge-offs (x) | 45.6364% | 1,163 |
| Efficiency ratio | 46.0795% | 4,987 |
| Assets per employee ($millions) | 5.3852% | 2,062 |
| Cash dividends to net income (ytd only)* | 19.9275% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 893 |
| Loan loss allowance to noncurrent loans | 96.1117% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.1440% | 1,177 |
| Noncurrent loans to loans | 1.7274% | 881 |
| Net loans and leases to total assets | 65.1264% | 3,220 |
| Net loans and leases to deposits | 75.8370% | 3,350 |
| Net loans and leases to core deposits | 80.0820% | 3,416 |
| Total domestic deposits to total assets | 85.8768% | 2,095 |
| Equity capital to assets | 12.9235% | 1,620 |
| Core capital (leverage) ratio | 12.9548% | 1,317 |
| Tier 1 risk-based capital ratio | 17.6598% | 1,889 |
| Total risk-based capital ratio | 18.9126% | 1,845 |
| Memoranda: | ||
| Average total assets | $231,017,670 | 2,608 |
| Average earning assets | $208,143,330 | 2,658 |
| Average equity | $28,892,670 | 2,456 |
| Average total loans | $154,669,670 | 2,613 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8079% | 309 |
| Cost of funding earning assets | 0.8711% | 2,147 |
| Net interest margin | 4.9368% | 317 |
| Noninterest income to average assets | 0.3484% | 3,528 |
| Noninterest expense to average assets | 2.2934% | 4,040 |
| Loan and lease loss provision to assets | 0.4420% | 247 |
| Net operating income to assets | 1.7716% | 622 |
| Return on assets (ROA) | 1.7716% | 638 |
| Pretax return on assets | 2.0733% | 562 |
| Return on Equity (ROE) | 14.4065% | 878 |
| Retained earnings to average equity (ytd only) | 14.4065% | 324 |
| Net charge-offs to loans | -0.0283% | 4,625 |
| Credit loss provision to net charge-offs | -2,318.1818% | 4,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6929% | 4,958 |
| Assets per employee ($millions) | 5.2618% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5554% | 1,166 |
| Loan loss allowance to noncurrent loans | 74.0526% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.4612% | 827 |
| Noncurrent loans to loans | 2.1004% | 699 |
| Net loans and leases to total assets | 66.2409% | 3,021 |
| Net loans and leases to deposits | 76.8386% | 3,181 |
| Net loans and leases to core deposits | 81.2313% | 3,249 |
| Total domestic deposits to total assets | 86.2079% | 2,181 |
| Equity capital to assets | 12.5377% | 1,716 |
| Core capital (leverage) ratio | 12.8975% | 1,323 |
| Tier 1 risk-based capital ratio | 17.1116% | 2,077 |
| Total risk-based capital ratio | 18.3632% | 2,019 |
| Memoranda: | ||
| Average total assets | $230,745,500 | 2,632 |
| Average earning assets | $208,475,000 | 2,681 |
| Average equity | $28,376,000 | 2,492 |
| Average total loans | $155,327,500 | 2,636 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7198% | 270 |
| Cost of funding earning assets | 0.5272% | 3,197 |
| Net interest margin | 5.1926% | 188 |
| Noninterest income to average assets | 0.4994% | 2,838 |
| Noninterest expense to average assets | 2.4003% | 3,878 |
| Loan and lease loss provision to assets | 0.3917% | 358 |
| Net operating income to assets | 1.8074% | 541 |
| Return on assets (ROA) | 1.8074% | 536 |
| Pretax return on assets | 2.3713% | 257 |
| Return on Equity (ROE) | 15.0560% | 815 |
| Retained earnings to average equity (ytd only) | 8.8089% | 932 |
| Net charge-offs to loans | 0.2374% | 820 |
| Credit loss provision to net charge-offs | 247.1910% | 1,205 |
| Earnings coverage of net charge-offs (x) | 17.4382% | 2,198 |
| Efficiency ratio | 46.4874% | 5,106 |
| Assets per employee ($millions) | 4.8931% | 2,626 |
| Cash dividends to net income (ytd only)* | 41.4922% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 1,669 |
| Loan loss allowance to noncurrent loans | 88.7654% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.2227% | 1,063 |
| Noncurrent loans to loans | 1.5690% | 943 |
| Net loans and leases to total assets | 66.4058% | 3,070 |
| Net loans and leases to deposits | 76.5057% | 3,317 |
| Net loans and leases to core deposits | 81.0169% | 3,347 |
| Total domestic deposits to total assets | 86.7985% | 1,877 |
| Equity capital to assets | 12.0557% | 1,855 |
| Core capital (leverage) ratio | 12.5741% | 1,418 |
| Tier 1 risk-based capital ratio | 15.9614% | 2,417 |
| Total risk-based capital ratio | 17.1812% | 2,373 |
| Memoranda: | ||
| Average total assets | $224,684,200 | 2,654 |
| Average earning assets | $201,806,000 | 2,705 |
| Average equity | $26,972,600 | 2,515 |
| Average total loans | $149,951,800 | 2,640 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7055% | 255 |
| Cost of funding earning assets | 0.4820% | 3,317 |
| Net interest margin | 5.2235% | 175 |
| Noninterest income to average assets | 0.5629% | 2,508 |
| Noninterest expense to average assets | 2.3877% | 3,881 |
| Loan and lease loss provision to assets | 0.4477% | 266 |
| Net operating income to assets | 1.8899% | 498 |
| Return on assets (ROA) | 1.8899% | 501 |
| Pretax return on assets | 2.4175% | 273 |
| Return on Equity (ROE) | 15.7600% | 735 |
| Retained earnings to average equity (ytd only) | 13.8833% | 266 |
| Net charge-offs to loans | 0.1506% | 1,091 |
| Credit loss provision to net charge-offs | 446.4286% | 766 |
| Earnings coverage of net charge-offs (x) | 28.5720% | 1,659 |
| Efficiency ratio | 45.4545% | 5,168 |
| Assets per employee ($millions) | 4.6917% | 2,855 |
| Cash dividends to net income (ytd only)* | 11.9077% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 1,498 |
| Loan loss allowance to noncurrent loans | 58.8157% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.7509% | 685 |
| Noncurrent loans to loans | 2.4761% | 528 |
| Net loans and leases to total assets | 67.9695% | 2,946 |
| Net loans and leases to deposits | 78.9541% | 3,145 |
| Net loans and leases to core deposits | 83.9557% | 3,160 |
| Total domestic deposits to total assets | 86.0874% | 2,150 |
| Equity capital to assets | 12.7018% | 1,472 |
| Core capital (leverage) ratio | 13.2775% | 1,182 |
| Tier 1 risk-based capital ratio | 16.5066% | 2,271 |
| Total risk-based capital ratio | 17.7568% | 2,210 |
| Memoranda: | ||
| Average total assets | $223,361,750 | 2,682 |
| Average earning assets | $200,550,750 | 2,729 |
| Average equity | $26,784,500 | 2,533 |
| Average total loans | $148,721,500 | 2,673 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6328% | 263 |
| Cost of funding earning assets | 0.4506% | 3,351 |
| Net interest margin | 5.1822% | 174 |
| Noninterest income to average assets | 0.4654% | 3,059 |
| Noninterest expense to average assets | 2.3289% | 4,080 |
| Loan and lease loss provision to assets | 0.4012% | 306 |
| Net operating income to assets | 1.8127% | 569 |
| Return on assets (ROA) | 1.8127% | 571 |
| Pretax return on assets | 2.3904% | 277 |
| Return on Equity (ROE) | 15.4153% | 773 |
| Retained earnings to average equity (ytd only) | 12.5567% | 441 |
| Net charge-offs to loans | 0.2182% | 730 |
| Credit loss provision to net charge-offs | 279.5031% | 1,063 |
| Earnings coverage of net charge-offs (x) | 19.4472% | 1,850 |
| Efficiency ratio | 45.4815% | 5,231 |
| Assets per employee ($millions) | 4.6681% | 2,859 |
| Cash dividends to net income (ytd only)* | 18.5440% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 2,124 |
| Loan loss allowance to noncurrent loans | 33.0184% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 2.9413% | 255 |
| Noncurrent loans to loans | 3.9653% | 224 |
| Net loans and leases to total assets | 67.4678% | 2,950 |
| Net loans and leases to deposits | 78.2313% | 3,136 |
| Net loans and leases to core deposits | 83.7041% | 3,105 |
| Total domestic deposits to total assets | 86.2415% | 2,171 |
| Equity capital to assets | 12.5491% | 1,509 |
| Core capital (leverage) ratio | 12.6165% | 1,376 |
| Tier 1 risk-based capital ratio | 16.2015% | 2,367 |
| Total risk-based capital ratio | 17.3337% | 2,346 |
| Memoranda: | ||
| Average total assets | $224,311,670 | 2,688 |
| Average earning assets | $201,496,670 | 2,740 |
| Average equity | $26,376,330 | 2,567 |
| Average total loans | $147,596,670 | 2,698 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4713% | 292 |
| Cost of funding earning assets | 0.4309% | 3,363 |
| Net interest margin | 5.0405% | 218 |
| Noninterest income to average assets | 0.4487% | 3,122 |
| Noninterest expense to average assets | 2.2767% | 4,237 |
| Loan and lease loss provision to assets | 0.2619% | 542 |
| Net operating income to assets | 1.8525% | 508 |
| Return on assets (ROA) | 1.8525% | 509 |
| Pretax return on assets | 2.4443% | 243 |
| Return on Equity (ROE) | 16.2661% | 582 |
| Retained earnings to average equity (ytd only) | 16.2661% | 232 |
| Net charge-offs to loans | 0.0135% | 2,276 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 310.0000% | 219 |
| Efficiency ratio | 45.6903% | 5,289 |
| Assets per employee ($millions) | 5.0833% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,817 |
| Loan loss allowance to noncurrent loans | 47.4513% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 2.2042% | 473 |
| Noncurrent loans to loans | 2.5237% | 539 |
| Net loans and leases to total assets | 64.1286% | 3,284 |
| Net loans and leases to deposits | 73.4361% | 3,472 |
| Net loans and leases to core deposits | 79.3914% | 3,374 |
| Total domestic deposits to total assets | 87.3258% | 1,996 |
| Equity capital to assets | 11.5573% | 2,086 |
| Core capital (leverage) ratio | 12.0481% | 1,622 |
| Tier 1 risk-based capital ratio | 16.5218% | 2,266 |
| Total risk-based capital ratio | 17.6134% | 2,275 |
| Memoranda: | ||
| Average total assets | $229,101,500 | 2,668 |
| Average earning assets | $206,092,000 | 2,733 |
| Average equity | $26,091,000 | 2,605 |
| Average total loans | $147,996,500 | 2,713 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5018% | 264 |
| Cost of funding earning assets | 0.4039% | 3,210 |
| Net interest margin | 5.0978% | 196 |
| Noninterest income to average assets | 0.3696% | 3,826 |
| Noninterest expense to average assets | 2.3408% | 4,225 |
| Loan and lease loss provision to assets | 0.0672% | 2,859 |
| Net operating income to assets | 1.4852% | 833 |
| Return on assets (ROA) | 1.4829% | 862 |
| Pretax return on assets | 2.4927% | 180 |
| Return on Equity (ROE) | 12.9912% | 954 |
| Retained earnings to average equity (ytd only) | 5.4830% | 1,827 |
| Net charge-offs to loans | 1.4178% | 113 |
| Credit loss provision to net charge-offs | 7.3674% | 3,679 |
| Earnings coverage of net charge-offs (x) | 2.8104% | 3,697 |
| Efficiency ratio | 47.7300% | 5,333 |
| Assets per employee ($millions) | 4.8820% | 2,629 |
| Cash dividends to net income (ytd only)* | 57.7946% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,316 |
| Loan loss allowance to noncurrent loans | 35.4230% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.4776% | 382 |
| Noncurrent loans to loans | 3.1250% | 347 |
| Net loans and leases to total assets | 63.5807% | 3,410 |
| Net loans and leases to deposits | 72.4958% | 3,649 |
| Net loans and leases to core deposits | 78.2960% | 3,562 |
| Total domestic deposits to total assets | 87.7026% | 1,655 |
| Equity capital to assets | 11.2201% | 2,412 |
| Core capital (leverage) ratio | 11.2681% | 2,116 |
| Tier 1 risk-based capital ratio | 15.6073% | 2,582 |
| Total risk-based capital ratio | 16.5933% | 2,623 |
| Memoranda: | ||
| Average total assets | $223,211,000 | 2,698 |
| Average earning assets | $198,554,400 | 2,781 |
| Average equity | $25,478,800 | 2,642 |
| Average total loans | $143,604,600 | 2,726 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4815% | 260 |
| Cost of funding earning assets | 0.3989% | 3,205 |
| Net interest margin | 5.0826% | 195 |
| Noninterest income to average assets | 0.3525% | 4,008 |
| Noninterest expense to average assets | 2.3538% | 4,143 |
| Loan and lease loss provision to assets | 0.0451% | 3,197 |
| Net operating income to assets | 1.5990% | 720 |
| Return on assets (ROA) | 1.5959% | 744 |
| Pretax return on assets | 2.4633% | 218 |
| Return on Equity (ROE) | 13.9194% | 849 |
| Retained earnings to average equity (ytd only) | 10.0526% | 575 |
| Net charge-offs to loans | 0.2103% | 1,023 |
| Credit loss provision to net charge-offs | 33.3333% | 3,058 |
| Earnings coverage of net charge-offs (x) | 18.5691% | 2,036 |
| Efficiency ratio | 48.3624% | 5,324 |
| Assets per employee ($millions) | 4.7716% | 2,737 |
| Cash dividends to net income (ytd only)* | 27.7799% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2592% | 371 |
| Loan loss allowance to noncurrent loans | 56.8704% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 3.1717% | 274 |
| Noncurrent loans to loans | 3.9726% | 250 |
| Net loans and leases to total assets | 64.9916% | 3,253 |
| Net loans and leases to deposits | 74.8141% | 3,491 |
| Net loans and leases to core deposits | 81.2093% | 3,357 |
| Total domestic deposits to total assets | 86.8708% | 1,918 |
| Equity capital to assets | 11.8272% | 2,092 |
| Core capital (leverage) ratio | 11.8427% | 1,790 |
| Tier 1 risk-based capital ratio | 15.9771% | 2,521 |
| Total risk-based capital ratio | 17.2363% | 2,451 |
| Memoranda: | ||
| Average total assets | $221,650,000 | 2,736 |
| Average earning assets | $196,875,250 | 2,826 |
| Average equity | $25,412,250 | 2,671 |
| Average total loans | $142,625,250 | 2,758 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4119% | 272 |
| Cost of funding earning assets | 0.3955% | 3,121 |
| Net interest margin | 5.0164% | 211 |
| Noninterest income to average assets | 0.3071% | 4,343 |
| Noninterest expense to average assets | 2.3453% | 4,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5684% | 756 |
| Return on assets (ROA) | 1.5672% | 779 |
| Pretax return on assets | 2.4178% | 240 |
| Return on Equity (ROE) | 13.8170% | 843 |
| Retained earnings to average equity (ytd only) | 7.9308% | 1,195 |
| Net charge-offs to loans | 0.2720% | 746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 13.9843% | 2,100 |
| Efficiency ratio | 49.2205% | 5,346 |
| Assets per employee ($millions) | 4.7259% | 2,754 |
| Cash dividends to net income (ytd only)* | 42.6012% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3263% | 362 |
| Loan loss allowance to noncurrent loans | 66.6533% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 2.8093% | 350 |
| Noncurrent loans to loans | 3.4901% | 329 |
| Net loans and leases to total assets | 62.9104% | 3,519 |
| Net loans and leases to deposits | 72.1480% | 3,721 |
| Net loans and leases to core deposits | 78.5618% | 3,546 |
| Total domestic deposits to total assets | 87.1963% | 1,855 |
| Equity capital to assets | 11.5395% | 2,288 |
| Core capital (leverage) ratio | 11.5322% | 1,948 |
| Tier 1 risk-based capital ratio | 16.0402% | 2,485 |
| Total risk-based capital ratio | 17.3005% | 2,421 |
| Memoranda: | ||
| Average total assets | $220,779,000 | 2,757 |
| Average earning assets | $196,195,670 | 2,847 |
| Average equity | $25,041,670 | 2,702 |
| Average total loans | $140,460,000 | 2,794 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3840% | 278 |
| Cost of funding earning assets | 0.3925% | 3,077 |
| Net interest margin | 4.9915% | 230 |
| Noninterest income to average assets | 0.2780% | 4,562 |
| Noninterest expense to average assets | 2.3479% | 4,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5211% | 778 |
| Return on assets (ROA) | 1.5211% | 803 |
| Pretax return on assets | 2.3443% | 276 |
| Return on Equity (ROE) | 13.5289% | 897 |
| Retained earnings to average equity (ytd only) | 11.5893% | 516 |
| Net charge-offs to loans | -0.0172% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0387% | 5,373 |
| Assets per employee ($millions) | 4.6774% | 2,880 |
| Cash dividends to net income (ytd only)* | 14.3369% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5099% | 309 |
| Loan loss allowance to noncurrent loans | 101.6143% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 2.1288% | 597 |
| Noncurrent loans to loans | 2.4700% | 633 |
| Net loans and leases to total assets | 62.2827% | 3,494 |
| Net loans and leases to deposits | 71.3662% | 3,666 |
| Net loans and leases to core deposits | 77.1738% | 3,543 |
| Total domestic deposits to total assets | 87.2720% | 2,081 |
| Equity capital to assets | 11.4348% | 2,232 |
| Core capital (leverage) ratio | 11.5928% | 1,885 |
| Tier 1 risk-based capital ratio | 16.1365% | 2,496 |
| Total risk-based capital ratio | 17.3984% | 2,439 |
| Memoranda: | ||
| Average total assets | $220,110,500 | 2,790 |
| Average earning assets | $194,651,500 | 2,880 |
| Average equity | $24,747,000 | 2,732 |
| Average total loans | $139,159,000 | 2,834 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7567% | 173 |
| Cost of funding earning assets | 0.3988% | 3,011 |
| Net interest margin | 5.3579% | 135 |
| Noninterest income to average assets | 0.3287% | 4,386 |
| Noninterest expense to average assets | 2.3720% | 4,364 |
| Loan and lease loss provision to assets | 0.1201% | 2,060 |
| Net operating income to assets | 1.6773% | 578 |
| Return on assets (ROA) | 1.6776% | 604 |
| Pretax return on assets | 2.5696% | 182 |
| Return on Equity (ROE) | 14.4815% | 702 |
| Retained earnings to average equity (ytd only) | 6.8653% | 1,282 |
| Net charge-offs to loans | -0.1861% | 5,726 |
| Credit loss provision to net charge-offs | -96.8992% | 4,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8667% | 5,616 |
| Assets per employee ($millions) | 5.3752% | 1,983 |
| Cash dividends to net income (ytd only)* | 52.5924% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5524% | 288 |
| Loan loss allowance to noncurrent loans | 100.2564% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 2.1404% | 618 |
| Noncurrent loans to loans | 2.5458% | 613 |
| Net loans and leases to total assets | 60.9634% | 3,739 |
| Net loans and leases to deposits | 69.3800% | 3,973 |
| Net loans and leases to core deposits | 74.9612% | 3,836 |
| Total domestic deposits to total assets | 87.8688% | 1,696 |
| Equity capital to assets | 11.0517% | 2,590 |
| Core capital (leverage) ratio | 11.3700% | 2,027 |
| Tier 1 risk-based capital ratio | 16.0567% | 2,515 |
| Total risk-based capital ratio | 17.3196% | 2,454 |
| Memoranda: | ||
| Average total assets | $208,090,800 | 2,874 |
| Average earning assets | $183,804,000 | 2,976 |
| Average equity | $24,106,600 | 2,791 |
| Average total loans | $138,618,600 | 2,798 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8576% | 147 |
| Cost of funding earning assets | 0.4027% | 2,995 |
| Net interest margin | 5.4549% | 123 |
| Noninterest income to average assets | 0.3226% | 4,470 |
| Noninterest expense to average assets | 2.3919% | 4,305 |
| Loan and lease loss provision to assets | 0.1626% | 1,421 |
| Net operating income to assets | 1.6690% | 634 |
| Return on assets (ROA) | 1.6694% | 674 |
| Pretax return on assets | 2.5695% | 198 |
| Return on Equity (ROE) | 14.2345% | 777 |
| Retained earnings to average equity (ytd only) | 10.1532% | 548 |
| Net charge-offs to loans | -0.3007% | 5,839 |
| Credit loss provision to net charge-offs | -79.8722% | 4,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6870% | 5,642 |
| Assets per employee ($millions) | 5.1182% | 2,236 |
| Cash dividends to net income (ytd only)* | 28.6716% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5622% | 314 |
| Loan loss allowance to noncurrent loans | 85.4819% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 2.6157% | 508 |
| Noncurrent loans to loans | 2.9973% | 499 |
| Net loans and leases to total assets | 64.7700% | 3,304 |
| Net loans and leases to deposits | 74.6224% | 3,537 |
| Net loans and leases to core deposits | 80.8983% | 3,360 |
| Total domestic deposits to total assets | 86.7970% | 1,989 |
| Equity capital to assets | 11.9330% | 2,163 |
| Core capital (leverage) ratio | 12.0110% | 1,672 |
| Tier 1 risk-based capital ratio | 15.9561% | 2,643 |
| Total risk-based capital ratio | 17.2189% | 2,575 |
| Memoranda: | ||
| Average total assets | $205,017,750 | 2,915 |
| Average earning assets | $180,433,500 | 3,021 |
| Average equity | $24,044,250 | 2,817 |
| Average total loans | $138,805,250 | 2,803 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8654% | 149 |
| Cost of funding earning assets | 0.4056% | 2,980 |
| Net interest margin | 5.4597% | 123 |
| Noninterest income to average assets | 0.3274% | 4,439 |
| Noninterest expense to average assets | 2.4050% | 4,323 |
| Loan and lease loss provision to assets | 0.2458% | 799 |
| Net operating income to assets | 1.6266% | 677 |
| Return on assets (ROA) | 1.6273% | 721 |
| Pretax return on assets | 2.4817% | 225 |
| Return on Equity (ROE) | 13.9592% | 837 |
| Retained earnings to average equity (ytd only) | 8.7635% | 915 |
| Net charge-offs to loans | -0.4849% | 5,939 |
| Credit loss provision to net charge-offs | -74.4048% | 4,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8672% | 5,717 |
| Assets per employee ($millions) | 4.9683% | 2,336 |
| Cash dividends to net income (ytd only)* | 37.2205% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5272% | 351 |
| Loan loss allowance to noncurrent loans | 86.9261% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 2.7482% | 469 |
| Noncurrent loans to loans | 2.9073% | 524 |
| Net loans and leases to total assets | 68.1065% | 2,760 |
| Net loans and leases to deposits | 78.4485% | 3,106 |
| Net loans and leases to core deposits | 85.0038% | 2,987 |
| Total domestic deposits to total assets | 86.8169% | 2,003 |
| Equity capital to assets | 11.9327% | 2,173 |
| Core capital (leverage) ratio | 11.7552% | 1,807 |
| Tier 1 risk-based capital ratio | 14.9979% | 3,081 |
| Total risk-based capital ratio | 16.2602% | 3,018 |
| Memoranda: | ||
| Average total assets | $203,408,000 | 2,946 |
| Average earning assets | $178,983,330 | 3,054 |
| Average equity | $23,712,000 | 2,857 |
| Average total loans | $138,576,330 | 2,814 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8585% | 148 |
| Cost of funding earning assets | 0.4011% | 3,052 |
| Net interest margin | 5.4574% | 128 |
| Noninterest income to average assets | 0.3621% | 4,134 |
| Noninterest expense to average assets | 2.3949% | 4,390 |
| Loan and lease loss provision to assets | 0.2952% | 538 |
| Net operating income to assets | 1.6242% | 668 |
| Return on assets (ROA) | 1.6255% | 709 |
| Pretax return on assets | 2.4933% | 242 |
| Return on Equity (ROE) | 14.1109% | 815 |
| Retained earnings to average equity (ytd only) | 12.0609% | 498 |
| Net charge-offs to loans | 0.1258% | 1,349 |
| Credit loss provision to net charge-offs | 348.8372% | 774 |
| Earnings coverage of net charge-offs (x) | 32.9302% | 1,130 |
| Efficiency ratio | 46.2210% | 5,803 |
| Assets per employee ($millions) | 5.0939% | 2,243 |
| Cash dividends to net income (ytd only)* | 14.5278% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2433% | 559 |
| Loan loss allowance to noncurrent loans | 108.0388% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 2.2267% | 730 |
| Noncurrent loans to loans | 2.0764% | 1,018 |
| Net loans and leases to total assets | 66.6848% | 2,863 |
| Net loans and leases to deposits | 76.6326% | 3,151 |
| Net loans and leases to core deposits | 83.1706% | 3,024 |
| Total domestic deposits to total assets | 87.0189% | 2,204 |
| Equity capital to assets | 11.6928% | 2,250 |
| Core capital (leverage) ratio | 11.5535% | 1,940 |
| Tier 1 risk-based capital ratio | 15.2912% | 3,018 |
| Total risk-based capital ratio | 16.5502% | 2,960 |
| Memoranda: | ||
| Average total assets | $203,262,000 | 2,951 |
| Average earning assets | $179,498,500 | 3,054 |
| Average equity | $23,414,500 | 2,885 |
| Average total loans | $136,699,500 | 2,845 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7226% | 193 |
| Cost of funding earning assets | 0.4299% | 2,843 |
| Net interest margin | 5.2927% | 166 |
| Noninterest income to average assets | 0.3711% | 4,257 |
| Noninterest expense to average assets | 2.4796% | 4,291 |
| Loan and lease loss provision to assets | 0.2269% | 891 |
| Net operating income to assets | 1.5231% | 824 |
| Return on assets (ROA) | 1.5231% | 858 |
| Pretax return on assets | 2.3011% | 291 |
| Return on Equity (ROE) | 13.2645% | 1,000 |
| Retained earnings to average equity (ytd only) | 3.6268% | 3,472 |
| Net charge-offs to loans | 0.3809% | 753 |
| Credit loss provision to net charge-offs | 92.0245% | 2,723 |
| Earnings coverage of net charge-offs (x) | 10.2536% | 2,708 |
| Efficiency ratio | 49.5167% | 5,778 |
| Assets per employee ($millions) | 4.3142% | 3,362 |
| Cash dividends to net income (ytd only)* | 72.6581% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2402% | 558 |
| Loan loss allowance to noncurrent loans | 94.5666% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 2.4417% | 640 |
| Noncurrent loans to loans | 2.3689% | 802 |
| Net loans and leases to total assets | 64.8010% | 3,146 |
| Net loans and leases to deposits | 74.0997% | 3,482 |
| Net loans and leases to core deposits | 80.1693% | 3,324 |
| Total domestic deposits to total assets | 87.4511% | 1,906 |
| Equity capital to assets | 11.3450% | 2,502 |
| Core capital (leverage) ratio | 11.2276% | 2,180 |
| Tier 1 risk-based capital ratio | 14.7449% | 3,306 |
| Total risk-based capital ratio | 16.0036% | 3,234 |
| Memoranda: | ||
| Average total assets | $198,340,400 | 2,967 |
| Average earning assets | $173,749,000 | 3,068 |
| Average equity | $22,775,000 | 2,898 |
| Average total loans | $128,394,400 | 2,910 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7346% | 187 |
| Cost of funding earning assets | 0.4377% | 2,824 |
| Net interest margin | 5.2968% | 166 |
| Noninterest income to average assets | 0.3799% | 4,213 |
| Noninterest expense to average assets | 2.5147% | 4,150 |
| Loan and lease loss provision to assets | 0.2366% | 753 |
| Net operating income to assets | 1.4861% | 941 |
| Return on assets (ROA) | 1.4865% | 972 |
| Pretax return on assets | 2.2592% | 363 |
| Return on Equity (ROE) | 12.9059% | 1,144 |
| Retained earnings to average equity (ytd only) | 6.3150% | 2,058 |
| Net charge-offs to loans | 0.5065% | 475 |
| Credit loss provision to net charge-offs | 72.6141% | 2,719 |
| Earnings coverage of net charge-offs (x) | 7.6577% | 2,889 |
| Efficiency ratio | 50.1957% | 5,767 |
| Assets per employee ($millions) | 4.2287% | 3,460 |
| Cash dividends to net income (ytd only)* | 51.0687% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2268% | 636 |
| Loan loss allowance to noncurrent loans | 75.6350% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 2.9122% | 537 |
| Noncurrent loans to loans | 2.9441% | 609 |
| Net loans and leases to total assets | 64.4649% | 3,232 |
| Net loans and leases to deposits | 74.0842% | 3,540 |
| Net loans and leases to core deposits | 80.3172% | 3,403 |
| Total domestic deposits to total assets | 87.0157% | 2,033 |
| Equity capital to assets | 11.7053% | 2,346 |
| Core capital (leverage) ratio | 11.6993% | 1,890 |
| Tier 1 risk-based capital ratio | 15.3063% | 3,138 |
| Total risk-based capital ratio | 16.5649% | 3,061 |
| Memoranda: | ||
| Average total assets | $197,233,750 | 3,002 |
| Average earning assets | $172,400,500 | 3,108 |
| Average equity | $22,717,750 | 2,921 |
| Average total loans | $126,891,500 | 2,961 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7142% | 190 |
| Cost of funding earning assets | 0.4435% | 2,797 |
| Net interest margin | 5.2707% | 169 |
| Noninterest income to average assets | 0.3599% | 4,368 |
| Noninterest expense to average assets | 2.4165% | 4,492 |
| Loan and lease loss provision to assets | 0.2542% | 676 |
| Net operating income to assets | 1.5070% | 885 |
| Return on assets (ROA) | 1.5077% | 928 |
| Pretax return on assets | 2.2935% | 343 |
| Return on Equity (ROE) | 13.1614% | 1,084 |
| Retained earnings to average equity (ytd only) | 5.4136% | 2,592 |
| Net charge-offs to loans | 0.1131% | 1,873 |
| Credit loss provision to net charge-offs | 352.1127% | 824 |
| Earnings coverage of net charge-offs (x) | 35.2817% | 1,222 |
| Efficiency ratio | 48.6891% | 5,922 |
| Assets per employee ($millions) | 4.1980% | 3,475 |
| Cash dividends to net income (ytd only)* | 58.8672% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5836% | 441 |
| Loan loss allowance to noncurrent loans | 115.0748% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 2.5706% | 722 |
| Noncurrent loans to loans | 2.2451% | 1,061 |
| Net loans and leases to total assets | 63.0494% | 3,407 |
| Net loans and leases to deposits | 72.3933% | 3,679 |
| Net loans and leases to core deposits | 78.5434% | 3,524 |
| Total domestic deposits to total assets | 87.0928% | 2,116 |
| Equity capital to assets | 11.7312% | 2,220 |
| Core capital (leverage) ratio | 11.7176% | 1,826 |
| Tier 1 risk-based capital ratio | 11.1845% | 5,623 |
| Total risk-based capital ratio | 12.4387% | 5,548 |
| Memoranda: | ||
| Average total assets | $196,729,330 | 3,025 |
| Average earning assets | $171,816,330 | 3,138 |
| Average equity | $22,535,670 | 2,952 |
| Average total loans | $125,508,670 | 2,988 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6392% | 213 |
| Cost of funding earning assets | 0.4412% | 2,868 |
| Net interest margin | 5.1980% | 175 |
| Noninterest income to average assets | 0.3929% | 4,061 |
| Noninterest expense to average assets | 2.4821% | 4,319 |
| Loan and lease loss provision to assets | 0.2015% | 920 |
| Net operating income to assets | 1.4889% | 868 |
| Return on assets (ROA) | 1.4889% | 924 |
| Pretax return on assets | 2.2666% | 342 |
| Return on Equity (ROE) | 13.1515% | 1,048 |
| Retained earnings to average equity (ytd only) | 8.7024% | 1,309 |
| Net charge-offs to loans | 0.0095% | 3,017 |
| Credit loss provision to net charge-offs | 3,333.3333% | 116 |
| Earnings coverage of net charge-offs (x) | 408.3333% | 132 |
| Efficiency ratio | 50.1425% | 5,908 |
| Assets per employee ($millions) | 4.0977% | 3,761 |
| Cash dividends to net income (ytd only)* | 33.8295% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4985% | 531 |
| Loan loss allowance to noncurrent loans | 120.0229% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 2.5676% | 821 |
| Noncurrent loans to loans | 2.0817% | 1,238 |
| Net loans and leases to total assets | 63.7671% | 3,120 |
| Net loans and leases to deposits | 73.4262% | 3,379 |
| Net loans and leases to core deposits | 79.5606% | 3,219 |
| Total domestic deposits to total assets | 86.8451% | 2,455 |
| Equity capital to assets | 11.8204% | 2,174 |
| Core capital (leverage) ratio | 11.5936% | 1,937 |
| Tier 1 risk-based capital ratio | 11.9919% | 5,242 |
| Total risk-based capital ratio | 13.2467% | 5,136 |
| Memoranda: | ||
| Average total assets | $198,539,500 | 3,031 |
| Average earning assets | $174,067,000 | 3,123 |
| Average equity | $22,476,500 | 2,973 |
| Average total loans | $125,771,500 | 2,989 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9279% | 170 |
| Cost of funding earning assets | 0.4831% | 2,845 |
| Net interest margin | 5.4448% | 147 |
| Noninterest income to average assets | 0.3824% | 4,323 |
| Noninterest expense to average assets | 2.4495% | 4,709 |
| Loan and lease loss provision to assets | 0.1169% | 2,222 |
| Net operating income to assets | 1.7212% | 559 |
| Return on assets (ROA) | 1.7212% | 571 |
| Pretax return on assets | 2.6054% | 161 |
| Return on Equity (ROE) | 15.4079% | 710 |
| Retained earnings to average equity (ytd only) | 5.3902% | 2,336 |
| Net charge-offs to loans | 0.1499% | 2,537 |
| Credit loss provision to net charge-offs | 119.0476% | 2,020 |
| Earnings coverage of net charge-offs (x) | 27.7249% | 1,424 |
| Efficiency ratio | 47.3631% | 6,210 |
| Assets per employee ($millions) | 4.5442% | 2,962 |
| Cash dividends to net income (ytd only)* | 65.0166% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4286% | 604 |
| Loan loss allowance to noncurrent loans | 99.1547% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 2.7190% | 810 |
| Noncurrent loans to loans | 2.4493% | 1,048 |
| Net loans and leases to total assets | 59.9235% | 3,799 |
| Net loans and leases to deposits | 68.1318% | 4,115 |
| Net loans and leases to core deposits | 73.7278% | 3,943 |
| Total domestic deposits to total assets | 87.9524% | 1,799 |
| Equity capital to assets | 10.8505% | 3,060 |
| Core capital (leverage) ratio | 11.1704% | 2,242 |
| Tier 1 risk-based capital ratio | 13.0334% | 4,710 |
| Total risk-based capital ratio | 14.2905% | 4,614 |
| Memoranda: | ||
| Average total assets | $192,487,000 | 3,078 |
| Average earning assets | $169,318,600 | 3,169 |
| Average equity | $21,502,000 | 2,997 |
| Average total loans | $126,074,000 | 2,940 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0583% | 146 |
| Cost of funding earning assets | 0.4960% | 2,803 |
| Net interest margin | 5.5623% | 126 |
| Noninterest income to average assets | 0.4053% | 4,210 |
| Noninterest expense to average assets | 2.5225% | 4,455 |
| Loan and lease loss provision to assets | 0.1055% | 2,275 |
| Net operating income to assets | 1.7521% | 555 |
| Return on assets (ROA) | 1.7521% | 576 |
| Pretax return on assets | 2.6696% | 164 |
| Return on Equity (ROE) | 15.5642% | 740 |
| Retained earnings to average equity (ytd only) | 8.5321% | 1,142 |
| Net charge-offs to loans | 0.1331% | 2,460 |
| Credit loss provision to net charge-offs | 119.0476% | 1,925 |
| Earnings coverage of net charge-offs (x) | 31.3008% | 1,333 |
| Efficiency ratio | 47.6159% | 6,214 |
| Assets per employee ($millions) | 4.2307% | 3,417 |
| Cash dividends to net income (ytd only)* | 45.1806% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3665% | 767 |
| Loan loss allowance to noncurrent loans | 103.8278% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 2.8205% | 870 |
| Noncurrent loans to loans | 2.2793% | 1,313 |
| Net loans and leases to total assets | 64.4022% | 3,126 |
| Net loans and leases to deposits | 73.7425% | 3,466 |
| Net loans and leases to core deposits | 80.3708% | 3,276 |
| Total domestic deposits to total assets | 87.3338% | 2,137 |
| Equity capital to assets | 11.4088% | 2,569 |
| Core capital (leverage) ratio | 11.5197% | 2,048 |
| Tier 1 risk-based capital ratio | 12.8551% | 4,948 |
| Total risk-based capital ratio | 14.1113% | 4,866 |
| Memoranda: | ||
| Average total assets | $189,486,500 | 3,134 |
| Average earning assets | $166,665,250 | 3,225 |
| Average equity | $21,330,500 | 3,024 |
| Average total loans | $126,195,750 | 2,952 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0868% | 137 |
| Cost of funding earning assets | 0.5020% | 2,815 |
| Net interest margin | 5.5847% | 118 |
| Noninterest income to average assets | 0.2940% | 5,069 |
| Noninterest expense to average assets | 2.5583% | 4,387 |
| Loan and lease loss provision to assets | 0.0799% | 2,695 |
| Net operating income to assets | 1.7095% | 564 |
| Return on assets (ROA) | 1.7095% | 586 |
| Pretax return on assets | 2.5967% | 180 |
| Return on Equity (ROE) | 15.2569% | 753 |
| Retained earnings to average equity (ytd only) | 6.9393% | 1,799 |
| Net charge-offs to loans | -0.1259% | 6,214 |
| Credit loss provision to net charge-offs | -94.9367% | 5,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8708% | 6,231 |
| Assets per employee ($millions) | 4.3428% | 3,190 |
| Cash dividends to net income (ytd only)* | 54.5171% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4693% | 745 |
| Loan loss allowance to noncurrent loans | 284.8921% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 1.8207% | 1,780 |
| Noncurrent loans to loans | 0.8668% | 3,537 |
| Net loans and leases to total assets | 65.4817% | 2,834 |
| Net loans and leases to deposits | 74.8047% | 3,223 |
| Net loans and leases to core deposits | 81.7917% | 2,995 |
| Total domestic deposits to total assets | 87.5369% | 2,180 |
| Equity capital to assets | 11.2589% | 2,651 |
| Core capital (leverage) ratio | 11.3435% | 2,124 |
| Tier 1 risk-based capital ratio | 12.6152% | 5,148 |
| Total risk-based capital ratio | 13.8351% | 5,102 |
| Memoranda: | ||
| Average total assets | $187,777,670 | 3,172 |
| Average earning assets | $166,131,000 | 3,245 |
| Average equity | $21,039,670 | 3,047 |
| Average total loans | $125,470,000 | 2,958 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0960% | 127 |
| Cost of funding earning assets | 0.5084% | 2,816 |
| Net interest margin | 5.5876% | 118 |
| Noninterest income to average assets | 0.3138% | 4,853 |
| Noninterest expense to average assets | 2.5531% | 4,435 |
| Loan and lease loss provision to assets | 0.0537% | 3,038 |
| Net operating income to assets | 1.7472% | 527 |
| Return on assets (ROA) | 1.7472% | 542 |
| Pretax return on assets | 2.6434% | 192 |
| Return on Equity (ROE) | 15.6327% | 686 |
| Retained earnings to average equity (ytd only) | 10.8256% | 777 |
| Net charge-offs to loans | -0.4643% | 6,547 |
| Credit loss provision to net charge-offs | -17.3611% | 4,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6287% | 6,327 |
| Assets per employee ($millions) | 4.2528% | 3,435 |
| Cash dividends to net income (ytd only)* | 30.7503% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5522% | 767 |
| Loan loss allowance to noncurrent loans | 315.4609% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 1.8907% | 1,822 |
| Noncurrent loans to loans | 0.8090% | 3,856 |
| Net loans and leases to total assets | 64.9496% | 2,737 |
| Net loans and leases to deposits | 74.4267% | 3,020 |
| Net loans and leases to core deposits | 81.5764% | 2,782 |
| Total domestic deposits to total assets | 87.2666% | 2,657 |
| Equity capital to assets | 11.3087% | 2,409 |
| Core capital (leverage) ratio | 11.4602% | 1,996 |
| Tier 1 risk-based capital ratio | 12.9906% | 5,008 |
| Total risk-based capital ratio | 14.2159% | 4,957 |
| Memoranda: | ||
| Average total assets | $186,124,500 | 3,218 |
| Average earning assets | $164,435,000 | 3,286 |
| Average equity | $20,802,500 | 3,081 |
| Average total loans | $124,058,500 | 2,988 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2491% | 116 |
| Cost of funding earning assets | 0.5790% | 2,845 |
| Net interest margin | 5.6701% | 107 |
| Noninterest income to average assets | 0.2609% | 5,481 |
| Noninterest expense to average assets | 2.4871% | 4,810 |
| Loan and lease loss provision to assets | 0.3104% | 1,073 |
| Net operating income to assets | 1.6694% | 615 |
| Return on assets (ROA) | 1.6694% | 630 |
| Pretax return on assets | 2.5188% | 195 |
| Return on Equity (ROE) | 14.8296% | 799 |
| Retained earnings to average equity (ytd only) | 7.1010% | 1,398 |
| Net charge-offs to loans | 0.3756% | 1,793 |
| Credit loss provision to net charge-offs | 118.4713% | 2,025 |
| Earnings coverage of net charge-offs (x) | 10.7983% | 2,317 |
| Efficiency ratio | 46.7825% | 6,531 |
| Assets per employee ($millions) | 4.3053% | 3,260 |
| Cash dividends to net income (ytd only)* | 52.1160% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4425% | 889 |
| Loan loss allowance to noncurrent loans | 377.6942% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 1.8663% | 1,957 |
| Noncurrent loans to loans | 0.6467% | 4,358 |
| Net loans and leases to total assets | 65.0283% | 2,861 |
| Net loans and leases to deposits | 74.1465% | 3,236 |
| Net loans and leases to core deposits | 81.1187% | 2,994 |
| Total domestic deposits to total assets | 87.7025% | 2,359 |
| Equity capital to assets | 11.0432% | 2,575 |
| Core capital (leverage) ratio | 11.1233% | 2,265 |
| Tier 1 risk-based capital ratio | 12.7536% | 5,141 |
| Total risk-based capital ratio | 13.9824% | 5,097 |
| Memoranda: | ||
| Average total assets | $179,766,600 | 3,275 |
| Average earning assets | $160,279,800 | 3,334 |
| Average equity | $20,236,600 | 3,129 |
| Average total loans | $125,389,200 | 2,930 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2428% | 126 |
| Cost of funding earning assets | 0.5908% | 2,888 |
| Net interest margin | 5.6520% | 110 |
| Noninterest income to average assets | 0.1831% | 6,094 |
| Noninterest expense to average assets | 2.5377% | 4,588 |
| Loan and lease loss provision to assets | 0.3049% | 1,113 |
| Net operating income to assets | 1.5775% | 783 |
| Return on assets (ROA) | 1.5775% | 832 |
| Pretax return on assets | 2.3942% | 274 |
| Return on Equity (ROE) | 13.9442% | 1,008 |
| Retained earnings to average equity (ytd only) | 9.9016% | 810 |
| Net charge-offs to loans | 0.3612% | 1,750 |
| Credit loss provision to net charge-offs | 119.6481% | 1,975 |
| Earnings coverage of net charge-offs (x) | 10.5923% | 2,338 |
| Efficiency ratio | 48.4589% | 6,482 |
| Assets per employee ($millions) | 4.1830% | 3,461 |
| Cash dividends to net income (ytd only)* | 28.9910% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3179% | 1,159 |
| Loan loss allowance to noncurrent loans | 149.7749% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 2.6052% | 1,457 |
| Noncurrent loans to loans | 1.5476% | 2,846 |
| Net loans and leases to total assets | 70.1490% | 1,939 |
| Net loans and leases to deposits | 80.4526% | 2,347 |
| Net loans and leases to core deposits | 89.2625% | 2,047 |
| Total domestic deposits to total assets | 87.1930% | 2,573 |
| Equity capital to assets | 11.3654% | 2,414 |
| Core capital (leverage) ratio | 11.6218% | 1,927 |
| Tier 1 risk-based capital ratio | 12.5743% | 5,413 |
| Total risk-based capital ratio | 13.8027% | 5,371 |
| Memoranda: | ||
| Average total assets | $178,426,500 | 3,315 |
| Average earning assets | $159,539,750 | 3,382 |
| Average equity | $20,184,750 | 3,168 |
| Average total loans | $125,886,750 | 2,944 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1864% | 132 |
| Cost of funding earning assets | 0.5993% | 2,951 |
| Net interest margin | 5.5871% | 120 |
| Noninterest income to average assets | 0.1607% | 6,250 |
| Noninterest expense to average assets | 2.5513% | 4,559 |
| Loan and lease loss provision to assets | 0.3147% | 1,129 |
| Net operating income to assets | 1.5319% | 849 |
| Return on assets (ROA) | 1.5319% | 916 |
| Pretax return on assets | 2.3243% | 337 |
| Return on Equity (ROE) | 13.5631% | 1,114 |
| Retained earnings to average equity (ytd only) | 8.4682% | 1,305 |
| Net charge-offs to loans | 0.3285% | 1,877 |
| Credit loss provision to net charge-offs | 136.5854% | 1,658 |
| Earnings coverage of net charge-offs (x) | 11.4537% | 2,050 |
| Efficiency ratio | 49.1555% | 6,472 |
| Assets per employee ($millions) | 4.1497% | 3,471 |
| Cash dividends to net income (ytd only)* | 37.5642% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3929% | 1,103 |
| Loan loss allowance to noncurrent loans | 172.7273% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 2.6508% | 1,574 |
| Noncurrent loans to loans | 1.3854% | 3,226 |
| Net loans and leases to total assets | 68.6238% | 2,118 |
| Net loans and leases to deposits | 78.6086% | 2,505 |
| Net loans and leases to core deposits | 87.2923% | 2,195 |
| Total domestic deposits to total assets | 87.2981% | 2,661 |
| Equity capital to assets | 11.2986% | 2,466 |
| Core capital (leverage) ratio | 11.1808% | 2,193 |
| Tier 1 risk-based capital ratio | 13.6880% | 4,650 |
| Total risk-based capital ratio | 14.9184% | 4,622 |
| Memoranda: | ||
| Average total assets | $177,945,330 | 3,338 |
| Average earning assets | $160,191,000 | 3,392 |
| Average equity | $20,098,670 | 3,195 |
| Average total loans | $124,792,000 | 2,972 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2800% | 117 |
| Cost of funding earning assets | 0.6192% | 2,930 |
| Net interest margin | 5.6608% | 105 |
| Noninterest income to average assets | 0.1868% | 6,137 |
| Noninterest expense to average assets | 2.5819% | 4,460 |
| Loan and lease loss provision to assets | 0.3376% | 991 |
| Net operating income to assets | 1.5307% | 799 |
| Return on assets (ROA) | 1.5307% | 874 |
| Pretax return on assets | 2.3298% | 341 |
| Return on Equity (ROE) | 13.5543% | 1,043 |
| Retained earnings to average equity (ytd only) | 11.5610% | 766 |
| Net charge-offs to loans | 0.2860% | 1,819 |
| Credit loss provision to net charge-offs | 168.5393% | 1,246 |
| Earnings coverage of net charge-offs (x) | 13.3146% | 1,536 |
| Efficiency ratio | 49.1852% | 6,556 |
| Assets per employee ($millions) | 4.2092% | 3,518 |
| Cash dividends to net income (ytd only)* | 14.7059% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4099% | 1,239 |
| Loan loss allowance to noncurrent loans | 314.8577% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 2.5498% | 1,799 |
| Noncurrent loans to loans | 0.7654% | 4,596 |
| Net loans and leases to total assets | 66.8547% | 2,219 |
| Net loans and leases to deposits | 76.6167% | 2,536 |
| Net loans and leases to core deposits | 84.5442% | 2,257 |
| Total domestic deposits to total assets | 87.2587% | 2,782 |
| Equity capital to assets | 11.2396% | 2,689 |
| Core capital (leverage) ratio | 11.1940% | 2,101 |
| Tier 1 risk-based capital ratio | 13.4996% | 4,873 |
| Total risk-based capital ratio | 14.7175% | 4,858 |
| Memoranda: | ||
| Average total assets | $177,699,000 | 3,375 |
| Average earning assets | $158,917,500 | 3,453 |
| Average equity | $20,067,500 | 3,240 |
| Average total loans | $124,461,500 | 2,999 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6574% | 108 |
| Cost of funding earning assets | 0.7687% | 2,929 |
| Net interest margin | 5.8887% | 91 |
| Noninterest income to average assets | 0.4849% | 4,003 |
| Noninterest expense to average assets | 2.4527% | 5,245 |
| Loan and lease loss provision to assets | 1.0162% | 400 |
| Net operating income to assets | 1.4178% | 1,065 |
| Return on assets (ROA) | 1.4557% | 1,108 |
| Pretax return on assets | 2.1560% | 448 |
| Return on Equity (ROE) | 12.8806% | 1,260 |
| Retained earnings to average equity (ytd only) | 5.8006% | 2,198 |
| Net charge-offs to loans | 0.8898% | 1,283 |
| Credit loss provision to net charge-offs | 160.8456% | 1,671 |
| Earnings coverage of net charge-offs (x) | 4.9329% | 3,200 |
| Efficiency ratio | 44.0413% | 6,847 |
| Assets per employee ($millions) | 3.8756% | 4,211 |
| Cash dividends to net income (ytd only)* | 54.9661% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3429% | 1,317 |
| Loan loss allowance to noncurrent loans | 220.0752% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 3.0957% | 1,521 |
| Noncurrent loans to loans | 1.0646% | 4,080 |
| Net loans and leases to total assets | 69.9554% | 1,849 |
| Net loans and leases to deposits | 80.0831% | 2,272 |
| Net loans and leases to core deposits | 88.3205% | 2,050 |
| Total domestic deposits to total assets | 87.3535% | 2,614 |
| Equity capital to assets | 11.3484% | 2,584 |
| Core capital (leverage) ratio | 11.0760% | 2,190 |
| Tier 1 risk-based capital ratio | 13.0153% | 5,095 |
| Total risk-based capital ratio | 14.2333% | 5,060 |
| Memoranda: | ||
| Average total assets | $172,216,400 | 3,416 |
| Average earning assets | $148,690,600 | 3,581 |
| Average equity | $19,463,400 | 3,265 |
| Average total loans | $122,267,800 | 3,032 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6967% | 107 |
| Cost of funding earning assets | 0.7971% | 2,969 |
| Net interest margin | 5.8996% | 98 |
| Noninterest income to average assets | 0.4621% | 4,199 |
| Noninterest expense to average assets | 2.4923% | 5,110 |
| Loan and lease loss provision to assets | 1.0291% | 388 |
| Net operating income to assets | 1.3284% | 1,378 |
| Return on assets (ROA) | 1.3879% | 1,376 |
| Pretax return on assets | 2.1009% | 572 |
| Return on Equity (ROE) | 12.2934% | 1,539 |
| Retained earnings to average equity (ytd only) | 9.1839% | 1,160 |
| Net charge-offs to loans | 1.0668% | 978 |
| Credit loss provision to net charge-offs | 136.1768% | 2,118 |
| Earnings coverage of net charge-offs (x) | 4.0226% | 3,426 |
| Efficiency ratio | 45.0512% | 6,863 |
| Assets per employee ($millions) | 3.9174% | 4,043 |
| Cash dividends to net income (ytd only)* | 25.2937% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1310% | 1,846 |
| Loan loss allowance to noncurrent loans | 223.1032% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 2.9704% | 1,760 |
| Noncurrent loans to loans | 0.9551% | 4,523 |
| Net loans and leases to total assets | 69.7307% | 1,966 |
| Net loans and leases to deposits | 80.2752% | 2,347 |
| Net loans and leases to core deposits | 88.4656% | 2,158 |
| Total domestic deposits to total assets | 86.8646% | 2,760 |
| Equity capital to assets | 11.6636% | 2,577 |
| Core capital (leverage) ratio | 11.3482% | 2,093 |
| Tier 1 risk-based capital ratio | 13.2982% | 5,025 |
| Total risk-based capital ratio | 14.5229% | 5,006 |
| Memoranda: | ||
| Average total assets | $171,669,500 | 3,456 |
| Average earning assets | $147,531,000 | 3,633 |
| Average equity | $19,381,250 | 3,306 |
| Average total loans | $121,601,750 | 3,083 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6693% | 118 |
| Cost of funding earning assets | 0.8204% | 3,027 |
| Net interest margin | 5.8489% | 109 |
| Noninterest income to average assets | 0.4351% | 4,397 |
| Noninterest expense to average assets | 2.4802% | 5,210 |
| Loan and lease loss provision to assets | 1.0208% | 432 |
| Net operating income to assets | 1.2918% | 1,461 |
| Return on assets (ROA) | 1.3801% | 1,385 |
| Pretax return on assets | 2.0731% | 606 |
| Return on Equity (ROE) | 12.3613% | 1,552 |
| Retained earnings to average equity (ytd only) | 7.6383% | 1,793 |
| Net charge-offs to loans | 1.0627% | 1,032 |
| Credit loss provision to net charge-offs | 135.8696% | 2,026 |
| Earnings coverage of net charge-offs (x) | 3.9425% | 3,227 |
| Efficiency ratio | 45.5734% | 6,900 |
| Assets per employee ($millions) | 4.0043% | 3,858 |
| Cash dividends to net income (ytd only)* | 38.2079% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0314% | 2,148 |
| Loan loss allowance to noncurrent loans | 113.0947% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 3.2099% | 1,697 |
| Noncurrent loans to loans | 1.7962% | 3,222 |
| Net loans and leases to total assets | 69.9085% | 1,941 |
| Net loans and leases to deposits | 80.0702% | 2,370 |
| Net loans and leases to core deposits | 88.2111% | 2,184 |
| Total domestic deposits to total assets | 87.3090% | 2,591 |
| Equity capital to assets | 11.3105% | 2,777 |
| Core capital (leverage) ratio | 11.0018% | 2,289 |
| Tier 1 risk-based capital ratio | 12.9004% | 5,257 |
| Total risk-based capital ratio | 14.1188% | 5,255 |
| Memoranda: | ||
| Average total assets | $171,437,330 | 3,478 |
| Average earning assets | $146,761,670 | 3,659 |
| Average equity | $19,140,330 | 3,334 |
| Average total loans | $121,199,330 | 3,111 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7024% | 131 |
| Cost of funding earning assets | 0.8471% | 3,088 |
| Net interest margin | 5.8553% | 115 |
| Noninterest income to average assets | 0.4606% | 4,219 |
| Noninterest expense to average assets | 2.4669% | 5,261 |
| Loan and lease loss provision to assets | 1.0522% | 388 |
| Net operating income to assets | 1.2543% | 1,592 |
| Return on assets (ROA) | 1.4287% | 1,315 |
| Pretax return on assets | 2.1676% | 569 |
| Return on Equity (ROE) | 12.8815% | 1,439 |
| Retained earnings to average equity (ytd only) | 10.7732% | 1,096 |
| Net charge-offs to loans | 1.1565% | 892 |
| Credit loss provision to net charge-offs | 129.3103% | 1,875 |
| Earnings coverage of net charge-offs (x) | 3.6322% | 2,788 |
| Efficiency ratio | 45.4937% | 6,928 |
| Assets per employee ($millions) | 3.9886% | 4,041 |
| Cash dividends to net income (ytd only)* | 16.3666% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9715% | 2,443 |
| Loan loss allowance to noncurrent loans | 66.0989% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 3.9922% | 1,381 |
| Noncurrent loans to loans | 2.9827% | 2,163 |
| Net loans and leases to total assets | 68.6215% | 2,005 |
| Net loans and leases to deposits | 78.5268% | 2,414 |
| Net loans and leases to core deposits | 86.5325% | 2,226 |
| Total domestic deposits to total assets | 87.3861% | 2,729 |
| Equity capital to assets | 11.1691% | 2,738 |
| Core capital (leverage) ratio | 11.1532% | 2,148 |
| Tier 1 risk-based capital ratio | 13.1737% | 5,084 |
| Total risk-based capital ratio | 14.3952% | 5,072 |
| Memoranda: | ||
| Average total assets | $171,063,500 | 3,502 |
| Average earning assets | $144,962,500 | 3,717 |
| Average equity | $18,973,000 | 3,352 |
| Average total loans | $120,365,000 | 3,148 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8903% | 110 |
| Cost of funding earning assets | 1.1304% | 2,467 |
| Net interest margin | 5.7598% | 119 |
| Noninterest income to average assets | 0.3342% | 5,144 |
| Noninterest expense to average assets | 2.5121% | 5,430 |
| Loan and lease loss provision to assets | 1.3021% | 633 |
| Net operating income to assets | 1.0619% | 1,953 |
| Return on assets (ROA) | 1.0624% | 2,092 |
| Pretax return on assets | 1.5123% | 1,434 |
| Return on Equity (ROE) | 9.8352% | 2,113 |
| Retained earnings to average equity (ytd only) | 4.7782% | 2,803 |
| Net charge-offs to loans | 1.9052% | 756 |
| Credit loss provision to net charge-offs | 93.1953% | 3,868 |
| Earnings coverage of net charge-offs (x) | 2.0139% | 4,267 |
| Efficiency ratio | 47.1671% | 6,989 |
| Assets per employee ($millions) | 3.7915% | 4,340 |
| Cash dividends to net income (ytd only)* | 51.4175% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 2,642 |
| Loan loss allowance to noncurrent loans | 81.6805% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 3.4141% | 1,736 |
| Noncurrent loans to loans | 2.2980% | 2,856 |
| Net loans and leases to total assets | 69.3983% | 2,142 |
| Net loans and leases to deposits | 79.1383% | 2,660 |
| Net loans and leases to core deposits | 85.5559% | 2,696 |
| Total domestic deposits to total assets | 87.6924% | 2,339 |
| Equity capital to assets | 11.0129% | 2,969 |
| Core capital (leverage) ratio | 10.7260% | 2,501 |
| Tier 1 risk-based capital ratio | 11.7488% | 5,995 |
| Total risk-based capital ratio | 12.9782% | 5,992 |
| Memoranda: | ||
| Average total assets | $169,341,200 | 3,499 |
| Average earning assets | $146,758,000 | 3,630 |
| Average equity | $18,291,400 | 3,388 |
| Average total loans | $124,189,400 | 3,097 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9373% | 106 |
| Cost of funding earning assets | 1.1904% | 2,380 |
| Net interest margin | 5.7468% | 123 |
| Noninterest income to average assets | 0.3534% | 5,028 |
| Noninterest expense to average assets | 2.5605% | 5,233 |
| Loan and lease loss provision to assets | 1.2858% | 584 |
| Net operating income to assets | 1.0391% | 2,180 |
| Return on assets (ROA) | 1.0397% | 2,334 |
| Pretax return on assets | 1.5193% | 1,600 |
| Return on Equity (ROE) | 9.6731% | 2,320 |
| Retained earnings to average equity (ytd only) | 6.2824% | 2,380 |
| Net charge-offs to loans | 1.5692% | 902 |
| Credit loss provision to net charge-offs | 110.7337% | 2,976 |
| Earnings coverage of net charge-offs (x) | 2.4151% | 3,914 |
| Efficiency ratio | 47.7283% | 6,975 |
| Assets per employee ($millions) | 3.8304% | 4,237 |
| Cash dividends to net income (ytd only)* | 35.0528% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0619% | 2,171 |
| Loan loss allowance to noncurrent loans | 75.8884% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 3.9226% | 1,571 |
| Noncurrent loans to loans | 2.7170% | 2,577 |
| Net loans and leases to total assets | 72.8245% | 1,544 |
| Net loans and leases to deposits | 83.3732% | 2,113 |
| Net loans and leases to core deposits | 90.4706% | 2,193 |
| Total domestic deposits to total assets | 87.3477% | 2,443 |
| Equity capital to assets | 11.1292% | 3,023 |
| Core capital (leverage) ratio | 10.7290% | 2,637 |
| Tier 1 risk-based capital ratio | 12.5352% | 5,462 |
| Total risk-based capital ratio | 13.7724% | 5,460 |
| Memoranda: | ||
| Average total assets | $169,022,000 | 3,537 |
| Average earning assets | $147,393,750 | 3,639 |
| Average equity | $18,166,750 | 3,408 |
| Average total loans | $125,069,000 | 3,101 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9884% | 106 |
| Cost of funding earning assets | 1.2635% | 2,158 |
| Net interest margin | 5.7249% | 125 |
| Noninterest income to average assets | 0.3145% | 5,381 |
| Noninterest expense to average assets | 2.6114% | 5,145 |
| Loan and lease loss provision to assets | 1.2767% | 587 |
| Net operating income to assets | 0.9768% | 2,328 |
| Return on assets (ROA) | 0.9776% | 2,422 |
| Pretax return on assets | 1.4198% | 1,752 |
| Return on Equity (ROE) | 9.2042% | 2,434 |
| Retained earnings to average equity (ytd only) | 4.6188% | 3,245 |
| Net charge-offs to loans | 0.6785% | 2,140 |
| Credit loss provision to net charge-offs | 254.7170% | 1,189 |
| Earnings coverage of net charge-offs (x) | 5.3774% | 2,625 |
| Efficiency ratio | 49.2092% | 6,992 |
| Assets per employee ($millions) | 3.8012% | 4,189 |
| Cash dividends to net income (ytd only)* | 49.8186% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4581% | 1,511 |
| Loan loss allowance to noncurrent loans | 110.0321% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 3.7935% | 1,709 |
| Noncurrent loans to loans | 2.2340% | 3,182 |
| Net loans and leases to total assets | 71.4959% | 1,882 |
| Net loans and leases to deposits | 81.1172% | 2,596 |
| Net loans and leases to core deposits | 88.0944% | 2,634 |
| Total domestic deposits to total assets | 88.1390% | 2,047 |
| Equity capital to assets | 10.6538% | 3,330 |
| Core capital (leverage) ratio | 10.3724% | 2,856 |
| Tier 1 risk-based capital ratio | 12.2891% | 5,523 |
| Total risk-based capital ratio | 13.5328% | 5,520 |
| Memoranda: | ||
| Average total assets | $169,183,330 | 3,554 |
| Average earning assets | $147,530,330 | 3,661 |
| Average equity | $17,970,000 | 3,419 |
| Average total loans | $124,985,000 | 3,123 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9878% | 109 |
| Cost of funding earning assets | 1.3235% | 2,051 |
| Net interest margin | 5.6643% | 127 |
| Noninterest income to average assets | 0.4113% | 4,616 |
| Noninterest expense to average assets | 2.6770% | 4,932 |
| Loan and lease loss provision to assets | 1.3789% | 483 |
| Net operating income to assets | 0.9034% | 2,547 |
| Return on assets (ROA) | 0.9034% | 2,611 |
| Pretax return on assets | 1.3005% | 2,043 |
| Return on Equity (ROE) | 8.5187% | 2,688 |
| Retained earnings to average equity (ytd only) | 6.2770% | 2,474 |
| Net charge-offs to loans | 0.9584% | 1,396 |
| Credit loss provision to net charge-offs | 193.9799% | 1,526 |
| Earnings coverage of net charge-offs (x) | 3.7692% | 2,638 |
| Efficiency ratio | 49.9778% | 6,987 |
| Assets per employee ($millions) | 3.7740% | 4,362 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1905% | 1,988 |
| Loan loss allowance to noncurrent loans | 154.5091% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 3.2279% | 2,132 |
| Noncurrent loans to loans | 1.4177% | 4,338 |
| Net loans and leases to total assets | 71.1719% | 1,886 |
| Net loans and leases to deposits | 80.7698% | 2,559 |
| Net loans and leases to core deposits | 87.7735% | 2,631 |
| Total domestic deposits to total assets | 88.1170% | 2,304 |
| Equity capital to assets | 10.6017% | 3,080 |
| Core capital (leverage) ratio | 10.5345% | 2,577 |
| Tier 1 risk-based capital ratio | 12.5559% | 5,210 |
| Total risk-based capital ratio | 13.8144% | 5,181 |
| Memoranda: | ||
| Average total assets | $168,247,000 | 3,587 |
| Average earning assets | $146,885,500 | 3,701 |
| Average equity | $17,843,000 | 3,422 |
| Average total loans | $124,787,500 | 3,160 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2255% | 109 |
| Cost of funding earning assets | 1.7889% | 1,213 |
| Net interest margin | 5.4365% | 190 |
| Noninterest income to average assets | 0.4339% | 4,645 |
| Noninterest expense to average assets | 2.5044% | 5,777 |
| Loan and lease loss provision to assets | 1.3152% | 1,158 |
| Net operating income to assets | 0.9310% | 2,272 |
| Return on assets (ROA) | 0.9310% | 2,403 |
| Pretax return on assets | 1.3636% | 1,756 |
| Return on Equity (ROE) | 8.9440% | 2,317 |
| Retained earnings to average equity (ytd only) | 3.0552% | 3,712 |
| Net charge-offs to loans | 1.6231% | 1,334 |
| Credit loss provision to net charge-offs | 108.0622% | 4,096 |
| Earnings coverage of net charge-offs (x) | 2.2011% | 4,078 |
| Efficiency ratio | 48.3179% | 7,248 |
| Assets per employee ($millions) | 3.7036% | 4,453 |
| Cash dividends to net income (ytd only)* | 65.8413% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9255% | 2,482 |
| Loan loss allowance to noncurrent loans | 115.9656% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 3.4069% | 2,050 |
| Noncurrent loans to loans | 1.6604% | 4,015 |
| Net loans and leases to total assets | 74.1436% | 1,631 |
| Net loans and leases to deposits | 84.2366% | 2,416 |
| Net loans and leases to core deposits | 88.8041% | 2,930 |
| Total domestic deposits to total assets | 88.0183% | 2,241 |
| Equity capital to assets | 10.6088% | 3,056 |
| Core capital (leverage) ratio | 9.9848% | 3,113 |
| Tier 1 risk-based capital ratio | 12.2440% | 5,265 |
| Total risk-based capital ratio | 13.4995% | 5,222 |
| Memoranda: | ||
| Average total assets | $169,180,200 | 3,553 |
| Average earning assets | $147,797,000 | 3,666 |
| Average equity | $17,609,600 | 3,491 |
| Average total loans | $126,852,200 | 3,184 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1560% | 121 |
| Cost of funding earning assets | 1.8101% | 1,381 |
| Net interest margin | 5.3459% | 222 |
| Noninterest income to average assets | 0.4303% | 4,715 |
| Noninterest expense to average assets | 2.4474% | 5,898 |
| Loan and lease loss provision to assets | 1.2759% | 1,104 |
| Net operating income to assets | 0.9563% | 2,387 |
| Return on assets (ROA) | 0.9563% | 2,515 |
| Pretax return on assets | 1.3843% | 1,930 |
| Return on Equity (ROE) | 9.2314% | 2,416 |
| Retained earnings to average equity (ytd only) | 5.4418% | 2,680 |
| Net charge-offs to loans | 1.9338% | 982 |
| Credit loss provision to net charge-offs | 88.1715% | 4,848 |
| Earnings coverage of net charge-offs (x) | 1.8383% | 4,333 |
| Efficiency ratio | 47.9170% | 7,276 |
| Assets per employee ($millions) | 3.9629% | 3,915 |
| Cash dividends to net income (ytd only)* | 41.0509% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 3,571 |
| Loan loss allowance to noncurrent loans | 119.2757% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 2.7884% | 2,599 |
| Noncurrent loans to loans | 1.3314% | 4,636 |
| Net loans and leases to total assets | 72.5712% | 2,110 |
| Net loans and leases to deposits | 86.3402% | 2,269 |
| Net loans and leases to core deposits | 90.7800% | 2,988 |
| Total domestic deposits to total assets | 84.0527% | 4,105 |
| Equity capital to assets | 10.3442% | 3,708 |
| Core capital (leverage) ratio | 10.3003% | 2,918 |
| Tier 1 risk-based capital ratio | 12.1951% | 5,274 |
| Total risk-based capital ratio | 13.4472% | 5,246 |
| Memoranda: | ||
| Average total assets | $169,809,500 | 3,587 |
| Average earning assets | $148,570,500 | 3,711 |
| Average equity | $17,591,750 | 3,535 |
| Average total loans | $127,066,250 | 3,228 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1981% | 122 |
| Cost of funding earning assets | 1.8541% | 1,414 |
| Net interest margin | 5.3440% | 228 |
| Noninterest income to average assets | 0.5431% | 3,765 |
| Noninterest expense to average assets | 2.5884% | 5,363 |
| Loan and lease loss provision to assets | 1.3073% | 1,048 |
| Net operating income to assets | 0.9222% | 2,459 |
| Return on assets (ROA) | 0.9222% | 2,561 |
| Pretax return on assets | 1.3298% | 2,003 |
| Return on Equity (ROE) | 8.8974% | 2,509 |
| Retained earnings to average equity (ytd only) | 4.3111% | 3,335 |
| Net charge-offs to loans | 1.9422% | 943 |
| Credit loss provision to net charge-offs | 89.5037% | 4,439 |
| Earnings coverage of net charge-offs (x) | 1.8055% | 4,165 |
| Efficiency ratio | 49.5338% | 7,256 |
| Assets per employee ($millions) | 3.7487% | 4,352 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 3,220 |
| Loan loss allowance to noncurrent loans | 98.9322% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 2.6320% | 2,745 |
| Noncurrent loans to loans | 1.6787% | 4,174 |
| Net loans and leases to total assets | 74.8017% | 1,739 |
| Net loans and leases to deposits | 89.2636% | 1,969 |
| Net loans and leases to core deposits | 95.7128% | 2,478 |
| Total domestic deposits to total assets | 83.7987% | 4,197 |
| Equity capital to assets | 10.4576% | 3,469 |
| Core capital (leverage) ratio | 10.0258% | 3,137 |
| Tier 1 risk-based capital ratio | 12.1055% | 5,220 |
| Total risk-based capital ratio | 13.3563% | 5,189 |
| Memoranda: | ||
| Average total assets | $168,290,000 | 3,633 |
| Average earning assets | $147,456,000 | 3,755 |
| Average equity | $17,443,330 | 3,559 |
| Average total loans | $126,560,670 | 3,268 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0235% | 171 |
| Cost of funding earning assets | 1.8666% | 1,582 |
| Net interest margin | 5.1569% | 319 |
| Noninterest income to average assets | 0.5545% | 3,613 |
| Noninterest expense to average assets | 2.6962% | 4,924 |
| Loan and lease loss provision to assets | 1.1898% | 1,025 |
| Net operating income to assets | 0.8495% | 2,755 |
| Return on assets (ROA) | 0.8495% | 2,847 |
| Pretax return on assets | 1.2113% | 2,324 |
| Return on Equity (ROE) | 8.2332% | 2,762 |
| Retained earnings to average equity (ytd only) | 4.9583% | 3,181 |
| Net charge-offs to loans | 2.2342% | 763 |
| Credit loss provision to net charge-offs | 71.2251% | 4,076 |
| Earnings coverage of net charge-offs (x) | 1.4373% | 3,885 |
| Efficiency ratio | 52.8945% | 7,063 |
| Assets per employee ($millions) | 3.9879% | 3,899 |
| Cash dividends to net income (ytd only)* | 39.7759% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 3,185 |
| Loan loss allowance to noncurrent loans | 76.8484% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 3.4483% | 2,043 |
| Noncurrent loans to loans | 2.1695% | 3,570 |
| Net loans and leases to total assets | 70.7863% | 2,740 |
| Net loans and leases to deposits | 85.2145% | 2,725 |
| Net loans and leases to core deposits | 90.0401% | 3,357 |
| Total domestic deposits to total assets | 83.0684% | 4,589 |
| Equity capital to assets | 10.1821% | 3,629 |
| Core capital (leverage) ratio | 10.0877% | 3,058 |
| Tier 1 risk-based capital ratio | 12.1369% | 5,048 |
| Total risk-based capital ratio | 13.3871% | 5,016 |
| Memoranda: | ||
| Average total assets | $168,090,000 | 3,693 |
| Average earning assets | $148,073,500 | 3,797 |
| Average equity | $17,344,500 | 3,595 |
| Average total loans | $125,684,000 | 3,353 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5898% | 121 |
| Cost of funding earning assets | 2.2078% | 1,994 |
| Net interest margin | 5.3821% | 216 |
| Noninterest income to average assets | 0.6171% | 3,510 |
| Noninterest expense to average assets | 2.6867% | 5,449 |
| Loan and lease loss provision to assets | 1.2895% | 1,796 |
| Net operating income to assets | 1.0285% | 1,748 |
| Return on assets (ROA) | 1.0285% | 1,793 |
| Pretax return on assets | 1.4606% | 1,287 |
| Return on Equity (ROE) | 9.5383% | 1,842 |
| Retained earnings to average equity (ytd only) | 3.0861% | 3,002 |
| Net charge-offs to loans | 0.7157% | 3,043 |
| Credit loss provision to net charge-offs | 233.4852% | 1,558 |
| Earnings coverage of net charge-offs (x) | 4.9795% | 2,731 |
| Efficiency ratio | 49.4157% | 7,565 |
| Assets per employee ($millions) | 3.8303% | 4,208 |
| Cash dividends to net income (ytd only)* | 67.6453% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7666% | 2,652 |
| Loan loss allowance to noncurrent loans | 30.5076% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 5.6690% | 1,024 |
| Noncurrent loans to loans | 5.7908% | 1,093 |
| Net loans and leases to total assets | 76.2996% | 1,729 |
| Net loans and leases to deposits | 92.3635% | 1,836 |
| Net loans and leases to core deposits | 132.3228% | 1,153 |
| Total domestic deposits to total assets | 82.6080% | 4,703 |
| Equity capital to assets | 10.4607% | 3,225 |
| Core capital (leverage) ratio | 10.3653% | 2,720 |
| Tier 1 risk-based capital ratio | 12.0076% | 4,939 |
| Total risk-based capital ratio | 13.2617% | 4,891 |
| Memoranda: | ||
| Average total assets | $158,970,800 | 3,791 |
| Average earning assets | $142,361,800 | 3,853 |
| Average equity | $17,141,400 | 3,647 |
| Average total loans | $122,679,400 | 3,423 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6536% | 119 |
| Cost of funding earning assets | 2.2872% | 2,030 |
| Net interest margin | 5.3664% | 224 |
| Noninterest income to average assets | 0.6322% | 3,479 |
| Noninterest expense to average assets | 2.7751% | 5,000 |
| Loan and lease loss provision to assets | 0.7829% | 2,417 |
| Net operating income to assets | 1.2898% | 1,248 |
| Return on assets (ROA) | 1.2898% | 1,317 |
| Pretax return on assets | 1.8975% | 659 |
| Return on Equity (ROE) | 11.8692% | 1,389 |
| Retained earnings to average equity (ytd only) | 9.3069% | 766 |
| Net charge-offs to loans | 0.4878% | 3,277 |
| Credit loss provision to net charge-offs | 208.3333% | 2,118 |
| Earnings coverage of net charge-offs (x) | 7.1328% | 2,465 |
| Efficiency ratio | 50.8688% | 7,494 |
| Assets per employee ($millions) | 3.7741% | 4,244 |
| Cash dividends to net income (ytd only)* | 21.5881% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 4,811 |
| Loan loss allowance to noncurrent loans | 26.4097% | 6,694 |
| Noncurrent assets plus other real estate owned to assets | 4.6221% | 1,304 |
| Noncurrent loans to loans | 4.7388% | 1,443 |
| Net loans and leases to total assets | 76.2862% | 1,935 |
| Net loans and leases to deposits | 91.8357% | 2,256 |
| Net loans and leases to core deposits | 130.2401% | 1,422 |
| Total domestic deposits to total assets | 83.0681% | 4,191 |
| Equity capital to assets | 11.0583% | 2,963 |
| Core capital (leverage) ratio | 10.8238% | 2,546 |
| Tier 1 risk-based capital ratio | 12.7578% | 4,348 |
| Total risk-based capital ratio | 13.9018% | 4,386 |
| Memoranda: | ||
| Average total assets | $157,538,000 | 3,841 |
| Average earning assets | $141,594,500 | 3,897 |
| Average equity | $17,119,500 | 3,675 |
| Average total loans | $121,367,500 | 3,484 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7936% | 110 |
| Cost of funding earning assets | 2.3690% | 2,082 |
| Net interest margin | 5.4245% | 200 |
| Noninterest income to average assets | 0.5284% | 4,204 |
| Noninterest expense to average assets | 2.7431% | 5,206 |
| Loan and lease loss provision to assets | 0.6412% | 2,507 |
| Net operating income to assets | 1.3324% | 1,154 |
| Return on assets (ROA) | 1.3324% | 1,227 |
| Pretax return on assets | 2.0185% | 536 |
| Return on Equity (ROE) | 12.3367% | 1,327 |
| Retained earnings to average equity (ytd only) | 8.4303% | 1,083 |
| Net charge-offs to loans | 0.1633% | 4,574 |
| Credit loss provision to net charge-offs | 510.2041% | 904 |
| Earnings coverage of net charge-offs (x) | 21.1633% | 1,276 |
| Efficiency ratio | 50.7714% | 7,610 |
| Assets per employee ($millions) | 3.6904% | 4,353 |
| Cash dividends to net income (ytd only)* | 31.6651% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 4,841 |
| Loan loss allowance to noncurrent loans | 86.0774% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 2.1312% | 3,018 |
| Noncurrent loans to loans | 1.4103% | 4,389 |
| Net loans and leases to total assets | 76.4086% | 2,079 |
| Net loans and leases to deposits | 91.9635% | 2,475 |
| Net loans and leases to core deposits | 125.2345% | 1,930 |
| Total domestic deposits to total assets | 83.0858% | 4,200 |
| Equity capital to assets | 10.8212% | 3,086 |
| Core capital (leverage) ratio | 10.8224% | 2,550 |
| Tier 1 risk-based capital ratio | 12.5515% | 4,484 |
| Total risk-based capital ratio | 13.6507% | 4,529 |
| Memoranda: | ||
| Average total assets | $155,955,670 | 3,902 |
| Average earning assets | $140,141,000 | 3,946 |
| Average equity | $16,844,000 | 3,742 |
| Average total loans | $120,033,330 | 3,531 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8291% | 112 |
| Cost of funding earning assets | 2.4473% | 2,113 |
| Net interest margin | 5.3818% | 207 |
| Noninterest income to average assets | 0.5279% | 4,076 |
| Noninterest expense to average assets | 2.6755% | 5,120 |
| Loan and lease loss provision to assets | 0.6469% | 1,960 |
| Net operating income to assets | 1.3377% | 1,296 |
| Return on assets (ROA) | 1.3377% | 1,391 |
| Pretax return on assets | 2.0364% | 626 |
| Return on Equity (ROE) | 12.3981% | 1,542 |
| Retained earnings to average equity (ytd only) | 12.3981% | 728 |
| Net charge-offs to loans | 0.0101% | 5,498 |
| Credit loss provision to net charge-offs | 8,333.3333% | 80 |
| Earnings coverage of net charge-offs (x) | 345.6667% | 108 |
| Efficiency ratio | 49.9276% | 7,595 |
| Assets per employee ($millions) | 3.6486% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 5,355 |
| Loan loss allowance to noncurrent loans | 48.8296% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 2.4775% | 2,316 |
| Noncurrent loans to loans | 2.2854% | 2,876 |
| Net loans and leases to total assets | 75.4004% | 2,409 |
| Net loans and leases to deposits | 90.8236% | 2,806 |
| Net loans and leases to core deposits | 121.8832% | 2,266 |
| Total domestic deposits to total assets | 83.0186% | 4,135 |
| Equity capital to assets | 10.8147% | 3,168 |
| Core capital (leverage) ratio | 10.8380% | 2,630 |
| Tier 1 risk-based capital ratio | 12.7065% | 4,386 |
| Total risk-based capital ratio | 13.7150% | 4,491 |
| Memoranda: | ||
| Average total assets | $154,589,000 | 3,933 |
| Average earning assets | $138,764,500 | 3,979 |
| Average equity | $16,680,000 | 3,799 |
| Average total loans | $118,679,000 | 3,592 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0875% | 175 |
| Cost of funding earning assets | 2.9614% | 2,022 |
| Net interest margin | 5.1260% | 382 |
| Noninterest income to average assets | 0.5318% | 4,383 |
| Noninterest expense to average assets | 2.5635% | 5,779 |
| Loan and lease loss provision to assets | 0.1713% | 5,190 |
| Net operating income to assets | 1.5473% | 932 |
| Return on assets (ROA) | 1.5473% | 898 |
| Pretax return on assets | 2.3882% | 252 |
| Return on Equity (ROE) | 14.7719% | 957 |
| Retained earnings to average equity (ytd only) | 7.8830% | 882 |
| Net charge-offs to loans | 0.4143% | 2,742 |
| Credit loss provision to net charge-offs | 54.0541% | 6,304 |
| Earnings coverage of net charge-offs (x) | 8.0748% | 2,942 |
| Efficiency ratio | 50.0386% | 7,663 |
| Assets per employee ($millions) | 3.6259% | 4,348 |
| Cash dividends to net income (ytd only)* | 46.6354% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9242% | 6,535 |
| Loan loss allowance to noncurrent loans | 114.0461% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.4860% | 3,250 |
| Noncurrent loans to loans | 0.8103% | 5,017 |
| Net loans and leases to total assets | 76.5912% | 2,477 |
| Net loans and leases to deposits | 92.2281% | 3,093 |
| Net loans and leases to core deposits | 123.9664% | 2,328 |
| Total domestic deposits to total assets | 83.0454% | 3,752 |
| Equity capital to assets | 10.7644% | 3,237 |
| Core capital (leverage) ratio | 10.8400% | 2,714 |
| Tier 1 risk-based capital ratio | 12.6215% | 4,352 |
| Total risk-based capital ratio | 13.4639% | 4,545 |
| Memoranda: | ||
| Average total assets | $151,748,000 | 3,869 |
| Average earning assets | $135,914,000 | 3,933 |
| Average equity | $15,895,000 | 3,950 |
| Average total loans | $116,090,200 | 3,545 |