Home > Citizens Community Bank > Performance and Condition Ratios
Citizens Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2462% | 3,533 |
| Cost of funding earning assets | 1.9015% | 1,065 |
| Net interest margin | 2.3447% | 4,227 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.4290% | 4,375 |
| Loan and lease loss provision to assets | 0.5400% | 161 |
| Net operating income to assets | 0.4373% | 3,794 |
| Return on assets (ROA) | 0.4373% | 3,793 |
| Pretax return on assets | 0.4832% | 3,839 |
| Return on Equity (ROE) | 5.1100% | 3,704 |
| Retained earnings to average equity (ytd only) | 0.8090% | 3,875 |
| Net charge-offs to loans | 0.7934% | 128 |
| Credit loss provision to net charge-offs | 125.2345% | 1,628 |
| Earnings coverage of net charge-offs (x) | 2.3687% | 2,698 |
| Efficiency ratio | 58.2230% | 3,273 |
| Assets per employee ($millions) | 11.2004% | 507 |
| Cash dividends to net income (ytd only)* | 84.1690% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 828 |
| Loan loss allowance to noncurrent loans | 337.6758% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.2879% | 1,794 |
| Noncurrent loans to loans | 0.4756% | 1,596 |
| Net loans and leases to total assets | 55.4500% | 3,237 |
| Net loans and leases to deposits | 77.1201% | 2,347 |
| Net loans and leases to core deposits | 91.5917% | 1,940 |
| Total domestic deposits to total assets | 71.9000% | 4,235 |
| Equity capital to assets | 8.5747% | 2,997 |
| Core capital (leverage) ratio | 10.2760% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $492,524,600 | 1,743 |
| Average earning assets | $471,318,400 | 1,706 |
| Average equity | $42,149,600 | 1,809 |
| Average total loans | $268,725,000 | 1,919 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 3,565 |
| Cost of funding earning assets | 1.7177% | 1,156 |
| Net interest margin | 2.4273% | 4,203 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.3952% | 4,402 |
| Loan and lease loss provision to assets | 0.6900% | 104 |
| Net operating income to assets | 0.4226% | 3,925 |
| Return on assets (ROA) | 0.4226% | 3,918 |
| Pretax return on assets | 0.4550% | 3,982 |
| Return on Equity (ROE) | 4.9400% | 3,817 |
| Retained earnings to average equity (ytd only) | 1.4771% | 3,849 |
| Net charge-offs to loans | 1.0464% | 91 |
| Credit loss provision to net charge-offs | 121.2121% | 1,477 |
| Earnings coverage of net charge-offs (x) | 2.0159% | 2,502 |
| Efficiency ratio | 55.0081% | 3,488 |
| Assets per employee ($millions) | 10.4443% | 587 |
| Cash dividends to net income (ytd only)* | 70.1031% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 834 |
| Loan loss allowance to noncurrent loans | 364.1925% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 1,981 |
| Noncurrent loans to loans | 0.4472% | 1,705 |
| Net loans and leases to total assets | 54.9300% | 3,293 |
| Net loans and leases to deposits | 73.1550% | 2,637 |
| Net loans and leases to core deposits | 87.1562% | 2,114 |
| Total domestic deposits to total assets | 75.0900% | 4,088 |
| Equity capital to assets | 7.9217% | 3,105 |
| Core capital (leverage) ratio | 10.4871% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $489,650,750 | 1,747 |
| Average earning assets | $468,594,500 | 1,714 |
| Average equity | $41,882,500 | 1,803 |
| Average total loans | $264,892,250 | 1,938 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0122% | 3,661 |
| Cost of funding earning assets | 1.5291% | 1,194 |
| Net interest margin | 2.4832% | 4,225 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.4103% | 4,406 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.8679% | 2,863 |
| Return on assets (ROA) | 0.8679% | 2,859 |
| Pretax return on assets | 1.0547% | 2,768 |
| Return on Equity (ROE) | 9.9000% | 2,731 |
| Retained earnings to average equity (ytd only) | 9.9017% | 1,426 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.5024% | 3,568 |
| Assets per employee ($millions) | 10.7394% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 936 |
| Loan loss allowance to noncurrent loans | 482.0513% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 2,288 |
| Noncurrent loans to loans | 0.3317% | 1,941 |
| Net loans and leases to total assets | 53.8600% | 3,280 |
| Net loans and leases to deposits | 68.5144% | 2,897 |
| Net loans and leases to core deposits | 79.0489% | 2,539 |
| Total domestic deposits to total assets | 78.6100% | 3,772 |
| Equity capital to assets | 8.9154% | 2,576 |
| Core capital (leverage) ratio | 10.8762% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $489,241,000 | 1,749 |
| Average earning assets | $468,515,667 | 1,716 |
| Average equity | $42,881,333 | 1,791 |
| Average total loans | $261,816,000 | 1,949 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 3,638 |
| Cost of funding earning assets | 1.3731% | 1,086 |
| Net interest margin | 2.5439% | 4,262 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.3580% | 4,503 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.9341% | 2,738 |
| Return on assets (ROA) | 0.9341% | 2,697 |
| Pretax return on assets | 1.1847% | 2,465 |
| Return on Equity (ROE) | 10.7400% | 2,563 |
| Retained earnings to average equity (ytd only) | 10.7425% | 1,530 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.9399% | 3,856 |
| Assets per employee ($millions) | 10.6653% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 1,005 |
| Loan loss allowance to noncurrent loans | 443.9362% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 1,850 |
| Noncurrent loans to loans | 0.3604% | 1,857 |
| Net loans and leases to total assets | 52.3100% | 3,328 |
| Net loans and leases to deposits | 64.4563% | 3,049 |
| Net loans and leases to core deposits | 73.8771% | 2,683 |
| Total domestic deposits to total assets | 81.1500% | 3,614 |
| Equity capital to assets | 8.9119% | 2,585 |
| Core capital (leverage) ratio | 10.7605% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $486,891,500 | 1,774 |
| Average earning assets | $466,683,500 | 1,736 |
| Average equity | $42,336,500 | 1,824 |
| Average total loans | $257,529,000 | 1,990 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4722% | 3,147 |
| Cost of funding earning assets | 0.7162% | 547 |
| Net interest margin | 2.7560% | 3,967 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.3552% | 4,537 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.0656% | 2,319 |
| Return on assets (ROA) | 1.0725% | 2,228 |
| Pretax return on assets | 1.3704% | 1,864 |
| Return on Equity (ROE) | 11.6900% | 2,244 |
| Retained earnings to average equity (ytd only) | 5.9838% | 2,653 |
| Net charge-offs to loans | 0.2181% | 375 |
| Credit loss provision to net charge-offs | 133.5878% | 1,385 |
| Earnings coverage of net charge-offs (x) | 13.5210% | 2,064 |
| Efficiency ratio | 47.2842% | 4,286 |
| Assets per employee ($millions) | 10.7373% | 538 |
| Cash dividends to net income (ytd only)* | 48.8169% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 819 |
| Loan loss allowance to noncurrent loans | 308.5735% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 1,441 |
| Noncurrent loans to loans | 0.5459% | 1,356 |
| Net loans and leases to total assets | 51.7400% | 3,381 |
| Net loans and leases to deposits | 63.8612% | 3,055 |
| Net loans and leases to core deposits | 71.6105% | 2,751 |
| Total domestic deposits to total assets | 81.0100% | 3,752 |
| Equity capital to assets | 8.4753% | 2,721 |
| Core capital (leverage) ratio | 10.5258% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $468,922,000 | 1,805 |
| Average earning assets | $451,561,200 | 1,750 |
| Average equity | $43,016,400 | 1,820 |
| Average total loans | $240,274,400 | 1,999 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3757% | 2,979 |
| Cost of funding earning assets | 0.6304% | 371 |
| Net interest margin | 2.7453% | 3,841 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.4042% | 4,508 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.0648% | 2,233 |
| Return on assets (ROA) | 1.0741% | 2,152 |
| Pretax return on assets | 1.3721% | 1,807 |
| Return on Equity (ROE) | 11.4800% | 2,208 |
| Retained earnings to average equity (ytd only) | 8.1316% | 1,951 |
| Net charge-offs to loans | -0.0270% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.0149% | 4,218 |
| Assets per employee ($millions) | 9.7749% | 699 |
| Cash dividends to net income (ytd only)* | 29.1811% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8374% | 684 |
| Loan loss allowance to noncurrent loans | 229.9643% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 1,109 |
| Noncurrent loans to loans | 0.7990% | 1,006 |
| Net loans and leases to total assets | 51.3000% | 3,358 |
| Net loans and leases to deposits | 60.1637% | 3,186 |
| Net loans and leases to core deposits | 64.3396% | 3,086 |
| Total domestic deposits to total assets | 85.2600% | 3,229 |
| Equity capital to assets | 8.3013% | 2,678 |
| Core capital (leverage) ratio | 11.2281% | 1,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $465,357,500 | 1,824 |
| Average earning assets | $448,564,750 | 1,772 |
| Average equity | $43,532,750 | 1,836 |
| Average total loans | $236,778,500 | 2,016 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1826% | 3,100 |
| Cost of funding earning assets | 0.5905% | 298 |
| Net interest margin | 2.5921% | 3,928 |
| Noninterest income to average assets | 0.2094% | 3,946 |
| Noninterest expense to average assets | 1.3821% | 4,543 |
| Loan and lease loss provision to assets | 0.1077% | 921 |
| Net operating income to assets | 0.9649% | 2,293 |
| Return on assets (ROA) | 0.9649% | 2,267 |
| Pretax return on assets | 1.2222% | 1,999 |
| Return on Equity (ROE) | 9.9377% | 2,358 |
| Retained earnings to average equity (ytd only) | 9.9155% | 1,043 |
| Net charge-offs to loans | -0.0410% | 4,159 |
| Credit loss provision to net charge-offs | -520.8333% | 3,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9614% | 4,193 |
| Assets per employee ($millions) | 9.7698% | 706 |
| Cash dividends to net income (ytd only)* | 0.2233% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8917% | 673 |
| Loan loss allowance to noncurrent loans | 159.6014% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 915 |
| Noncurrent loans to loans | 1.1853% | 678 |
| Net loans and leases to total assets | 49.7523% | 3,396 |
| Net loans and leases to deposits | 58.3436% | 3,191 |
| Net loans and leases to core deposits | 62.0670% | 3,112 |
| Total domestic deposits to total assets | 85.2747% | 3,420 |
| Equity capital to assets | 9.2064% | 2,227 |
| Core capital (leverage) ratio | 11.3633% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $464,079,000 | 1,831 |
| Average earning assets | $448,058,333 | 1,792 |
| Average equity | $45,060,667 | 1,829 |
| Average total loans | $233,975,333 | 2,028 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0286% | 3,169 |
| Cost of funding earning assets | 0.5889% | 282 |
| Net interest margin | 2.4397% | 4,007 |
| Noninterest income to average assets | 0.2075% | 3,917 |
| Noninterest expense to average assets | 1.3264% | 4,602 |
| Loan and lease loss provision to assets | 0.1286% | 639 |
| Net operating income to assets | 0.8763% | 2,382 |
| Return on assets (ROA) | 0.8763% | 2,380 |
| Pretax return on assets | 1.1146% | 2,094 |
| Return on Equity (ROE) | 8.8001% | 2,392 |
| Retained earnings to average equity (ytd only) | 8.7570% | 1,344 |
| Net charge-offs to loans | -0.0819% | 4,407 |
| Credit loss provision to net charge-offs | -312.5000% | 3,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6183% | 4,220 |
| Assets per employee ($millions) | 10.6919% | 558 |
| Cash dividends to net income (ytd only)* | 0.4892% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 770 |
| Loan loss allowance to noncurrent loans | 168.2298% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 1,004 |
| Noncurrent loans to loans | 1.1178% | 796 |
| Net loans and leases to total assets | 48.8565% | 3,295 |
| Net loans and leases to deposits | 57.9254% | 3,084 |
| Net loans and leases to core deposits | 62.4401% | 2,933 |
| Total domestic deposits to total assets | 84.3438% | 3,692 |
| Equity capital to assets | 9.6297% | 2,187 |
| Core capital (leverage) ratio | 10.7758% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $466,528,000 | 1,835 |
| Average earning assets | $451,701,000 | 1,781 |
| Average equity | $46,454,000 | 1,840 |
| Average total loans | $234,534,000 | 2,021 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2135% | 3,444 |
| Cost of funding earning assets | 0.7466% | 262 |
| Net interest margin | 2.4669% | 4,235 |
| Noninterest income to average assets | 0.2357% | 3,968 |
| Noninterest expense to average assets | 1.3791% | 4,634 |
| Loan and lease loss provision to assets | 0.1207% | 1,026 |
| Net operating income to assets | 0.8722% | 3,132 |
| Return on assets (ROA) | 0.8725% | 3,192 |
| Pretax return on assets | 1.1254% | 2,891 |
| Return on Equity (ROE) | 8.1332% | 3,179 |
| Retained earnings to average equity (ytd only) | 3.1162% | 3,579 |
| Net charge-offs to loans | 0.2137% | 435 |
| Credit loss provision to net charge-offs | 100.5484% | 1,784 |
| Earnings coverage of net charge-offs (x) | 10.3748% | 2,210 |
| Efficiency ratio | 52.5422% | 4,077 |
| Assets per employee ($millions) | 10.0703% | 650 |
| Cash dividends to net income (ytd only)* | 61.6855% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7102% | 1,024 |
| Loan loss allowance to noncurrent loans | 137.4958% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 977 |
| Noncurrent loans to loans | 1.2438% | 775 |
| Net loans and leases to total assets | 49.8702% | 3,292 |
| Net loans and leases to deposits | 59.7175% | 3,101 |
| Net loans and leases to core deposits | 64.9081% | 2,908 |
| Total domestic deposits to total assets | 83.5101% | 3,690 |
| Equity capital to assets | 10.2757% | 2,395 |
| Core capital (leverage) ratio | 10.4187% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $455,574,200 | 1,820 |
| Average earning assets | $441,207,600 | 1,759 |
| Average equity | $48,873,600 | 1,801 |
| Average total loans | $255,926,000 | 1,896 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2856% | 3,422 |
| Cost of funding earning assets | 0.7788% | 269 |
| Net interest margin | 2.5068% | 4,262 |
| Noninterest income to average assets | 0.2332% | 4,001 |
| Noninterest expense to average assets | 1.3707% | 4,705 |
| Loan and lease loss provision to assets | 0.1181% | 1,004 |
| Net operating income to assets | 0.9024% | 3,245 |
| Return on assets (ROA) | 0.9029% | 3,316 |
| Pretax return on assets | 1.1706% | 3,015 |
| Return on Equity (ROE) | 8.3241% | 3,309 |
| Retained earnings to average equity (ytd only) | 4.8500% | 3,273 |
| Net charge-offs to loans | -0.0082% | 3,597 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5505% | 4,066 |
| Assets per employee ($millions) | 9.3624% | 803 |
| Cash dividends to net income (ytd only)* | 41.7349% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7880% | 952 |
| Loan loss allowance to noncurrent loans | 146.7532% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 1,074 |
| Noncurrent loans to loans | 1.2184% | 911 |
| Net loans and leases to total assets | 54.1180% | 2,958 |
| Net loans and leases to deposits | 63.5083% | 2,907 |
| Net loans and leases to core deposits | 69.5700% | 2,634 |
| Total domestic deposits to total assets | 85.2140% | 3,043 |
| Equity capital to assets | 10.7248% | 2,241 |
| Core capital (leverage) ratio | 10.9174% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $451,142,000 | 1,851 |
| Average earning assets | $436,558,500 | 1,798 |
| Average equity | $48,933,250 | 1,822 |
| Average total loans | $259,871,500 | 1,911 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3838% | 3,221 |
| Cost of funding earning assets | 0.8099% | 280 |
| Net interest margin | 2.5739% | 4,207 |
| Noninterest income to average assets | 0.2893% | 3,689 |
| Noninterest expense to average assets | 1.3995% | 4,719 |
| Loan and lease loss provision to assets | 0.1115% | 1,137 |
| Net operating income to assets | 0.9710% | 2,998 |
| Return on assets (ROA) | 0.9710% | 3,080 |
| Pretax return on assets | 1.2666% | 2,722 |
| Return on Equity (ROE) | 8.9182% | 3,119 |
| Retained earnings to average equity (ytd only) | 8.8854% | 1,743 |
| Net charge-offs to loans | -0.0122% | 3,749 |
| Credit loss provision to net charge-offs | -1,562.5000% | 3,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3852% | 4,206 |
| Assets per employee ($millions) | 9.0811% | 835 |
| Cash dividends to net income (ytd only)* | 0.3673% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7068% | 1,041 |
| Loan loss allowance to noncurrent loans | 127.2568% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 996 |
| Noncurrent loans to loans | 1.3413% | 872 |
| Net loans and leases to total assets | 56.5556% | 2,833 |
| Net loans and leases to deposits | 66.7825% | 2,748 |
| Net loans and leases to core deposits | 73.7045% | 2,439 |
| Total domestic deposits to total assets | 84.6864% | 3,225 |
| Equity capital to assets | 11.1316% | 1,892 |
| Core capital (leverage) ratio | 10.9954% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $448,603,000 | 1,850 |
| Average earning assets | $433,660,000 | 1,801 |
| Average equity | $48,844,000 | 1,808 |
| Average total loans | $262,231,667 | 1,908 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5250% | 2,844 |
| Cost of funding earning assets | 0.8310% | 305 |
| Net interest margin | 2.6940% | 3,984 |
| Noninterest income to average assets | 0.2993% | 3,616 |
| Noninterest expense to average assets | 1.3650% | 4,770 |
| Loan and lease loss provision to assets | 0.1332% | 1,022 |
| Net operating income to assets | 1.0692% | 2,573 |
| Return on assets (ROA) | 1.0692% | 2,656 |
| Pretax return on assets | 1.4067% | 2,261 |
| Return on Equity (ROE) | 9.9300% | 2,709 |
| Retained earnings to average equity (ytd only) | 9.8640% | 1,693 |
| Net charge-offs to loans | 0.0286% | 1,201 |
| Credit loss provision to net charge-offs | 789.4737% | 480 |
| Earnings coverage of net charge-offs (x) | 91.2632% | 650 |
| Efficiency ratio | 46.9887% | 4,407 |
| Assets per employee ($millions) | 9.0015% | 831 |
| Cash dividends to net income (ytd only)* | 0.6645% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 1,258 |
| Loan loss allowance to noncurrent loans | 130.5487% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.7892% | 1,139 |
| Noncurrent loans to loans | 1.2340% | 1,065 |
| Net loans and leases to total assets | 57.4701% | 2,858 |
| Net loans and leases to deposits | 67.7782% | 2,723 |
| Net loans and leases to core deposits | 74.5575% | 2,460 |
| Total domestic deposits to total assets | 84.7914% | 3,188 |
| Equity capital to assets | 10.8056% | 2,006 |
| Core capital (leverage) ratio | 10.8013% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $450,416,500 | 1,842 |
| Average earning assets | $435,631,000 | 1,790 |
| Average equity | $48,499,500 | 1,803 |
| Average total loans | $265,333,000 | 1,897 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8281% | 3,218 |
| Cost of funding earning assets | 1.0859% | 425 |
| Net interest margin | 2.7422% | 4,332 |
| Noninterest income to average assets | 0.3164% | 3,568 |
| Noninterest expense to average assets | 1.5185% | 4,766 |
| Loan and lease loss provision to assets | 0.1408% | 2,594 |
| Net operating income to assets | 1.0136% | 2,250 |
| Return on assets (ROA) | 1.0136% | 2,389 |
| Pretax return on assets | 1.3068% | 1,947 |
| Return on Equity (ROE) | 8.7719% | 2,478 |
| Retained earnings to average equity (ytd only) | -0.3128% | 4,569 |
| Net charge-offs to loans | 0.0188% | 2,698 |
| Credit loss provision to net charge-offs | 1,224.4898% | 671 |
| Earnings coverage of net charge-offs (x) | 125.8571% | 678 |
| Efficiency ratio | 51.1950% | 4,454 |
| Assets per employee ($millions) | 9.0152% | 737 |
| Cash dividends to net income (ytd only)* | 103.5665% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,471 |
| Loan loss allowance to noncurrent loans | 111.4612% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 1,120 |
| Noncurrent loans to loans | 1.3750% | 991 |
| Net loans and leases to total assets | 58.4945% | 3,035 |
| Net loans and leases to deposits | 69.5412% | 2,935 |
| Net loans and leases to core deposits | 76.5979% | 2,669 |
| Total domestic deposits to total assets | 84.1148% | 3,082 |
| Equity capital to assets | 10.7299% | 2,492 |
| Core capital (leverage) ratio | 10.6157% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $425,999,800 | 1,782 |
| Average earning assets | $411,635,200 | 1,729 |
| Average equity | $49,225,600 | 1,718 |
| Average total loans | $260,494,400 | 1,865 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9565% | 3,096 |
| Cost of funding earning assets | 1.1317% | 472 |
| Net interest margin | 2.8249% | 4,297 |
| Noninterest income to average assets | 0.2957% | 3,713 |
| Noninterest expense to average assets | 1.4991% | 4,801 |
| Loan and lease loss provision to assets | 0.1429% | 2,591 |
| Net operating income to assets | 1.0713% | 2,074 |
| Return on assets (ROA) | 1.0713% | 2,208 |
| Pretax return on assets | 1.3809% | 1,792 |
| Return on Equity (ROE) | 9.0962% | 2,359 |
| Retained earnings to average equity (ytd only) | 6.8013% | 1,777 |
| Net charge-offs to loans | 0.0165% | 2,545 |
| Credit loss provision to net charge-offs | 1,406.2500% | 648 |
| Earnings coverage of net charge-offs (x) | 149.9375% | 602 |
| Efficiency ratio | 49.5903% | 4,522 |
| Assets per employee ($millions) | 8.6079% | 811 |
| Cash dividends to net income (ytd only)* | 25.2298% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 1,335 |
| Loan loss allowance to noncurrent loans | 100.9919% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.9882% | 1,133 |
| Noncurrent loans to loans | 1.5019% | 952 |
| Net loans and leases to total assets | 58.7299% | 3,348 |
| Net loans and leases to deposits | 69.4015% | 3,360 |
| Net loans and leases to core deposits | 76.9956% | 3,096 |
| Total domestic deposits to total assets | 84.6235% | 2,585 |
| Equity capital to assets | 11.5464% | 1,971 |
| Core capital (leverage) ratio | 11.5443% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $419,810,000 | 1,775 |
| Average earning assets | $405,293,250 | 1,720 |
| Average equity | $49,440,500 | 1,697 |
| Average total loans | $258,674,750 | 1,870 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 2,934 |
| Cost of funding earning assets | 1.1843% | 532 |
| Net interest margin | 2.9566% | 4,215 |
| Noninterest income to average assets | 0.2274% | 4,123 |
| Noninterest expense to average assets | 1.4789% | 4,861 |
| Loan and lease loss provision to assets | 0.1451% | 2,557 |
| Net operating income to assets | 1.1296% | 1,879 |
| Return on assets (ROA) | 1.1296% | 1,995 |
| Pretax return on assets | 1.4547% | 1,573 |
| Return on Equity (ROE) | 9.5259% | 2,135 |
| Retained earnings to average equity (ytd only) | 7.7757% | 1,377 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0358% | 4,626 |
| Assets per employee ($millions) | 8.4723% | 814 |
| Cash dividends to net income (ytd only)* | 18.3726% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,387 |
| Loan loss allowance to noncurrent loans | 58.2464% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.6048% | 555 |
| Noncurrent loans to loans | 2.4983% | 469 |
| Net loans and leases to total assets | 60.3888% | 3,283 |
| Net loans and leases to deposits | 71.4756% | 3,309 |
| Net loans and leases to core deposits | 78.8952% | 3,033 |
| Total domestic deposits to total assets | 84.4887% | 2,561 |
| Equity capital to assets | 11.6498% | 1,869 |
| Core capital (leverage) ratio | 11.6235% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $413,413,000 | 1,769 |
| Average earning assets | $398,702,000 | 1,715 |
| Average equity | $49,024,333 | 1,701 |
| Average total loans | $257,634,333 | 1,858 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 3,439 |
| Cost of funding earning assets | 1.2725% | 614 |
| Net interest margin | 2.8567% | 4,494 |
| Noninterest income to average assets | 0.2475% | 4,075 |
| Noninterest expense to average assets | 1.5769% | 4,873 |
| Loan and lease loss provision to assets | 0.1485% | 1,908 |
| Net operating income to assets | 1.0018% | 2,166 |
| Return on assets (ROA) | 1.0018% | 2,274 |
| Pretax return on assets | 1.2710% | 1,965 |
| Return on Equity (ROE) | 8.3692% | 2,357 |
| Retained earnings to average equity (ytd only) | 4.8214% | 2,355 |
| Net charge-offs to loans | -0.0031% | 3,736 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6264% | 4,498 |
| Assets per employee ($millions) | 8.4349% | 636 |
| Cash dividends to net income (ytd only)* | 42.3913% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 1,424 |
| Loan loss allowance to noncurrent loans | 87.9212% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.1806% | 1,061 |
| Noncurrent loans to loans | 1.6805% | 907 |
| Net loans and leases to total assets | 61.0198% | 3,395 |
| Net loans and leases to deposits | 71.3658% | 3,490 |
| Net loans and leases to core deposits | 79.4997% | 3,241 |
| Total domestic deposits to total assets | 85.5029% | 2,209 |
| Equity capital to assets | 12.0701% | 2,017 |
| Core capital (leverage) ratio | 11.8832% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $404,077,000 | 1,755 |
| Average earning assets | $388,843,500 | 1,709 |
| Average equity | $48,368,000 | 1,709 |
| Average total loans | $254,059,500 | 1,836 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 3,833 |
| Cost of funding earning assets | 1.3220% | 728 |
| Net interest margin | 2.8687% | 4,686 |
| Noninterest income to average assets | 0.2379% | 4,251 |
| Noninterest expense to average assets | 1.4974% | 5,008 |
| Loan and lease loss provision to assets | 0.1510% | 1,410 |
| Net operating income to assets | 1.0617% | 2,609 |
| Return on assets (ROA) | 1.0617% | 2,702 |
| Pretax return on assets | 1.3471% | 2,341 |
| Return on Equity (ROE) | 9.2737% | 2,622 |
| Retained earnings to average equity (ytd only) | 7.0839% | 1,359 |
| Net charge-offs to loans | 0.2344% | 874 |
| Credit loss provision to net charge-offs | 105.8201% | 2,346 |
| Earnings coverage of net charge-offs (x) | 10.4974% | 2,568 |
| Efficiency ratio | 49.9874% | 4,732 |
| Assets per employee ($millions) | 8.5804% | 574 |
| Cash dividends to net income (ytd only)* | 23.6131% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 1,590 |
| Loan loss allowance to noncurrent loans | 108.7542% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 1,335 |
| Noncurrent loans to loans | 1.2694% | 1,183 |
| Net loans and leases to total assets | 62.9358% | 3,320 |
| Net loans and leases to deposits | 74.7236% | 3,287 |
| Net loans and leases to core deposits | 83.3198% | 3,015 |
| Total domestic deposits to total assets | 84.2248% | 2,779 |
| Equity capital to assets | 11.8695% | 2,226 |
| Core capital (leverage) ratio | 11.8682% | 1,859 |
| Tier 1 risk-based capital ratio | 16.5917% | 2,190 |
| Total risk-based capital ratio | 17.8300% | 2,133 |
| Memoranda: | ||
| Average total assets | $397,285,400 | 1,749 |
| Average earning assets | $381,912,200 | 1,698 |
| Average equity | $45,483,600 | 1,747 |
| Average total loans | $241,938,600 | 1,879 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1777% | 3,972 |
| Cost of funding earning assets | 1.3231% | 736 |
| Net interest margin | 2.8546% | 4,804 |
| Noninterest income to average assets | 0.2631% | 4,167 |
| Noninterest expense to average assets | 1.5254% | 5,056 |
| Loan and lease loss provision to assets | 0.1516% | 1,245 |
| Net operating income to assets | 1.0521% | 2,779 |
| Return on assets (ROA) | 1.0521% | 2,867 |
| Pretax return on assets | 1.3283% | 2,570 |
| Return on Equity (ROE) | 9.2763% | 2,769 |
| Retained earnings to average equity (ytd only) | 6.3178% | 2,211 |
| Net charge-offs to loans | 0.2733% | 643 |
| Credit loss provision to net charge-offs | 92.2131% | 2,374 |
| Earnings coverage of net charge-offs (x) | 9.0021% | 2,603 |
| Efficiency ratio | 50.7566% | 4,695 |
| Assets per employee ($millions) | 8.3200% | 617 |
| Cash dividends to net income (ytd only)* | 31.8925% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 1,709 |
| Loan loss allowance to noncurrent loans | 102.1714% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 1,312 |
| Noncurrent loans to loans | 1.3344% | 1,151 |
| Net loans and leases to total assets | 63.0793% | 3,380 |
| Net loans and leases to deposits | 74.4918% | 3,436 |
| Net loans and leases to core deposits | 83.3046% | 3,154 |
| Total domestic deposits to total assets | 84.6795% | 2,549 |
| Equity capital to assets | 11.7352% | 2,474 |
| Core capital (leverage) ratio | 11.7770% | 2,020 |
| Tier 1 risk-based capital ratio | 16.5746% | 2,238 |
| Total risk-based capital ratio | 17.8153% | 2,171 |
| Memoranda: | ||
| Average total assets | $395,787,000 | 1,766 |
| Average earning assets | $380,199,250 | 1,718 |
| Average equity | $44,887,750 | 1,763 |
| Average total loans | $238,083,250 | 1,912 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1533% | 4,040 |
| Cost of funding earning assets | 1.3068% | 727 |
| Net interest margin | 2.8465% | 4,877 |
| Noninterest income to average assets | 0.2696% | 4,133 |
| Noninterest expense to average assets | 1.5038% | 5,116 |
| Loan and lease loss provision to assets | 0.1521% | 1,200 |
| Net operating income to assets | 1.0624% | 2,673 |
| Return on assets (ROA) | 1.0624% | 2,737 |
| Pretax return on assets | 1.3442% | 2,402 |
| Return on Equity (ROE) | 9.4781% | 2,646 |
| Retained earnings to average equity (ytd only) | 7.2442% | 1,704 |
| Net charge-offs to loans | 0.3056% | 561 |
| Credit loss provision to net charge-offs | 84.5070% | 2,182 |
| Earnings coverage of net charge-offs (x) | 8.3155% | 2,426 |
| Efficiency ratio | 50.1267% | 4,777 |
| Assets per employee ($millions) | 7.8090% | 716 |
| Cash dividends to net income (ytd only)* | 23.5687% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 1,327 |
| Loan loss allowance to noncurrent loans | 106.5171% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.2278% | 1,068 |
| Noncurrent loans to loans | 1.3931% | 1,114 |
| Net loans and leases to total assets | 58.9179% | 3,833 |
| Net loans and leases to deposits | 70.0461% | 3,837 |
| Net loans and leases to core deposits | 78.4701% | 3,543 |
| Total domestic deposits to total assets | 84.1130% | 2,809 |
| Equity capital to assets | 11.8245% | 2,325 |
| Core capital (leverage) ratio | 11.8814% | 1,898 |
| Tier 1 risk-based capital ratio | 17.5676% | 1,920 |
| Total risk-based capital ratio | 18.8186% | 1,877 |
| Memoranda: | ||
| Average total assets | $394,595,670 | 1,781 |
| Average earning assets | $378,495,000 | 1,729 |
| Average equity | $44,228,330 | 1,783 |
| Average total loans | $232,312,330 | 1,962 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 4,048 |
| Cost of funding earning assets | 1.2734% | 718 |
| Net interest margin | 2.8593% | 4,926 |
| Noninterest income to average assets | 0.2471% | 4,243 |
| Noninterest expense to average assets | 1.4854% | 5,179 |
| Loan and lease loss provision to assets | 0.1513% | 1,111 |
| Net operating income to assets | 1.0669% | 2,593 |
| Return on assets (ROA) | 1.0669% | 2,644 |
| Pretax return on assets | 1.3502% | 2,261 |
| Return on Equity (ROE) | 9.7832% | 2,456 |
| Retained earnings to average equity (ytd only) | 5.2152% | 2,811 |
| Net charge-offs to loans | 0.1726% | 795 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 14.8900% | 1,768 |
| Efficiency ratio | 49.7299% | 4,854 |
| Assets per employee ($millions) | 7.6017% | 778 |
| Cash dividends to net income (ytd only)* | 46.6919% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 1,212 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.1364% | 1,197 |
| Noncurrent loans to loans | 1.3200% | 1,239 |
| Net loans and leases to total assets | 57.7418% | 3,917 |
| Net loans and leases to deposits | 68.9663% | 3,844 |
| Net loans and leases to core deposits | 77.3823% | 3,568 |
| Total domestic deposits to total assets | 83.7247% | 3,137 |
| Equity capital to assets | 11.1919% | 2,665 |
| Core capital (leverage) ratio | 11.4870% | 2,146 |
| Tier 1 risk-based capital ratio | 17.2471% | 2,037 |
| Total risk-based capital ratio | 18.4988% | 1,972 |
| Memoranda: | ||
| Average total assets | $396,667,500 | 1,779 |
| Average earning assets | $380,088,000 | 1,733 |
| Average equity | $43,258,000 | 1,811 |
| Average total loans | $231,713,000 | 1,982 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0229% | 3,960 |
| Cost of funding earning assets | 1.1035% | 489 |
| Net interest margin | 2.9194% | 4,891 |
| Noninterest income to average assets | 0.2432% | 4,464 |
| Noninterest expense to average assets | 1.4752% | 5,239 |
| Loan and lease loss provision to assets | 0.1298% | 1,700 |
| Net operating income to assets | 1.1240% | 2,501 |
| Return on assets (ROA) | 1.1240% | 2,497 |
| Pretax return on assets | 1.4367% | 2,004 |
| Return on Equity (ROE) | 10.8433% | 2,152 |
| Retained earnings to average equity (ytd only) | 9.0182% | 855 |
| Net charge-offs to loans | 0.1860% | 1,029 |
| Credit loss provision to net charge-offs | 116.2791% | 2,229 |
| Earnings coverage of net charge-offs (x) | 14.0372% | 2,403 |
| Efficiency ratio | 48.4983% | 5,020 |
| Assets per employee ($millions) | 8.8455% | 496 |
| Cash dividends to net income (ytd only)* | 16.8321% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 1,229 |
| Loan loss allowance to noncurrent loans | 117.5292% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 1.1963% | 1,095 |
| Noncurrent loans to loans | 1.2931% | 1,224 |
| Net loans and leases to total assets | 57.3021% | 4,024 |
| Net loans and leases to deposits | 66.5579% | 4,076 |
| Net loans and leases to core deposits | 73.4403% | 3,892 |
| Total domestic deposits to total assets | 86.0936% | 2,184 |
| Equity capital to assets | 10.6208% | 3,056 |
| Core capital (leverage) ratio | 11.4682% | 2,131 |
| Tier 1 risk-based capital ratio | 16.9999% | 2,068 |
| Total risk-based capital ratio | 18.2511% | 2,015 |
| Memoranda: | ||
| Average total assets | $385,316,400 | 1,776 |
| Average earning assets | $369,357,400 | 1,726 |
| Average equity | $39,941,600 | 1,865 |
| Average total loans | $231,162,000 | 1,939 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9836% | 3,973 |
| Cost of funding earning assets | 1.0588% | 468 |
| Net interest margin | 2.9248% | 4,943 |
| Noninterest income to average assets | 0.2613% | 4,402 |
| Noninterest expense to average assets | 1.5076% | 5,274 |
| Loan and lease loss provision to assets | 0.1570% | 1,242 |
| Net operating income to assets | 1.0984% | 2,674 |
| Return on assets (ROA) | 1.0984% | 2,694 |
| Pretax return on assets | 1.4023% | 2,222 |
| Return on Equity (ROE) | 10.6642% | 2,317 |
| Retained earnings to average equity (ytd only) | 8.1946% | 1,558 |
| Net charge-offs to loans | 0.0514% | 2,098 |
| Credit loss provision to net charge-offs | 505.6180% | 692 |
| Earnings coverage of net charge-offs (x) | 50.2151% | 1,170 |
| Efficiency ratio | 49.1581% | 4,987 |
| Assets per employee ($millions) | 8.3006% | 565 |
| Cash dividends to net income (ytd only)* | 23.1577% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 1,053 |
| Loan loss allowance to noncurrent loans | 124.9099% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 1.2657% | 1,089 |
| Noncurrent loans to loans | 1.2901% | 1,304 |
| Net loans and leases to total assets | 59.6416% | 3,885 |
| Net loans and leases to deposits | 69.0031% | 3,988 |
| Net loans and leases to core deposits | 76.7112% | 3,756 |
| Total domestic deposits to total assets | 86.4332% | 2,000 |
| Equity capital to assets | 10.2328% | 3,416 |
| Core capital (leverage) ratio | 11.4158% | 2,233 |
| Tier 1 risk-based capital ratio | 16.4519% | 2,285 |
| Total risk-based capital ratio | 17.7044% | 2,229 |
| Memoranda: | ||
| Average total assets | $382,133,500 | 1,795 |
| Average earning assets | $366,562,500 | 1,741 |
| Average equity | $39,358,000 | 1,889 |
| Average total loans | $231,050,000 | 1,945 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 3,882 |
| Cost of funding earning assets | 1.0350% | 396 |
| Net interest margin | 2.9319% | 4,970 |
| Noninterest income to average assets | 0.2588% | 4,453 |
| Noninterest expense to average assets | 1.4831% | 5,355 |
| Loan and lease loss provision to assets | 0.2108% | 799 |
| Net operating income to assets | 1.0799% | 2,661 |
| Return on assets (ROA) | 1.0799% | 2,668 |
| Pretax return on assets | 1.3777% | 2,232 |
| Return on Equity (ROE) | 10.4620% | 2,353 |
| Retained earnings to average equity (ytd only) | 8.5830% | 1,363 |
| Net charge-offs to loans | -0.1099% | 5,197 |
| Credit loss provision to net charge-offs | -317.4603% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2841% | 5,106 |
| Assets per employee ($millions) | 8.2397% | 576 |
| Cash dividends to net income (ytd only)* | 17.9600% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7233% | 865 |
| Loan loss allowance to noncurrent loans | 151.8717% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 1.0569% | 1,408 |
| Noncurrent loans to loans | 1.1347% | 1,547 |
| Net loans and leases to total assets | 59.8241% | 3,828 |
| Net loans and leases to deposits | 70.2318% | 3,835 |
| Net loans and leases to core deposits | 77.7267% | 3,597 |
| Total domestic deposits to total assets | 85.1810% | 2,606 |
| Equity capital to assets | 10.4695% | 3,156 |
| Core capital (leverage) ratio | 11.3775% | 2,178 |
| Tier 1 risk-based capital ratio | 16.8399% | 2,152 |
| Total risk-based capital ratio | 18.0939% | 2,101 |
| Memoranda: | ||
| Average total assets | $379,468,330 | 1,818 |
| Average earning assets | $364,068,330 | 1,758 |
| Average equity | $39,170,330 | 1,896 |
| Average total loans | $229,236,670 | 1,959 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 3,824 |
| Cost of funding earning assets | 1.0162% | 344 |
| Net interest margin | 2.9213% | 4,993 |
| Noninterest income to average assets | 0.2339% | 4,612 |
| Noninterest expense to average assets | 1.5244% | 5,372 |
| Loan and lease loss provision to assets | 0.2634% | 538 |
| Net operating income to assets | 0.9861% | 2,908 |
| Return on assets (ROA) | 0.9861% | 2,939 |
| Pretax return on assets | 1.2505% | 2,548 |
| Return on Equity (ROE) | 9.6211% | 2,620 |
| Retained earnings to average equity (ytd only) | 5.8384% | 2,787 |
| Net charge-offs to loans | -0.2661% | 5,429 |
| Credit loss provision to net charge-offs | -164.4737% | 3,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1734% | 5,074 |
| Assets per employee ($millions) | 8.4361% | 537 |
| Cash dividends to net income (ytd only)* | 39.3162% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 1,001 |
| Loan loss allowance to noncurrent loans | 125.7591% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.2072% | 1,259 |
| Noncurrent loans to loans | 1.3339% | 1,334 |
| Net loans and leases to total assets | 59.4709% | 3,796 |
| Net loans and leases to deposits | 68.5457% | 3,910 |
| Net loans and leases to core deposits | 75.6019% | 3,699 |
| Total domestic deposits to total assets | 86.7609% | 2,218 |
| Equity capital to assets | 10.1771% | 3,420 |
| Core capital (leverage) ratio | 11.0012% | 2,436 |
| Tier 1 risk-based capital ratio | 16.5689% | 2,252 |
| Total risk-based capital ratio | 17.8227% | 2,197 |
| Memoranda: | ||
| Average total assets | $379,689,500 | 1,827 |
| Average earning assets | $364,494,000 | 1,769 |
| Average equity | $38,914,500 | 1,916 |
| Average total loans | $228,492,500 | 1,977 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9674% | 3,512 |
| Cost of funding earning assets | 0.9762% | 246 |
| Net interest margin | 2.9913% | 4,903 |
| Noninterest income to average assets | 0.2436% | 4,678 |
| Noninterest expense to average assets | 1.4891% | 5,482 |
| Loan and lease loss provision to assets | 0.1976% | 1,051 |
| Net operating income to assets | 0.7603% | 3,348 |
| Return on assets (ROA) | 0.7603% | 3,383 |
| Pretax return on assets | 1.4103% | 1,956 |
| Return on Equity (ROE) | 7.3644% | 3,092 |
| Retained earnings to average equity (ytd only) | 5.6933% | 1,711 |
| Net charge-offs to loans | 0.3873% | 649 |
| Credit loss provision to net charge-offs | 81.9491% | 2,917 |
| Earnings coverage of net charge-offs (x) | 6.6678% | 3,151 |
| Efficiency ratio | 48.0814% | 5,313 |
| Assets per employee ($millions) | 8.6308% | 507 |
| Cash dividends to net income (ytd only)* | 22.6906% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,351 |
| Loan loss allowance to noncurrent loans | 577.8894% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 2,608 |
| Noncurrent loans to loans | 0.2626% | 3,846 |
| Net loans and leases to total assets | 58.9636% | 3,925 |
| Net loans and leases to deposits | 68.4035% | 3,998 |
| Net loans and leases to core deposits | 76.0241% | 3,745 |
| Total domestic deposits to total assets | 86.1997% | 2,350 |
| Equity capital to assets | 10.3209% | 3,367 |
| Core capital (leverage) ratio | 10.7777% | 2,556 |
| Tier 1 risk-based capital ratio | 16.4852% | 2,271 |
| Total risk-based capital ratio | 17.7370% | 2,207 |
| Memoranda: | ||
| Average total assets | $374,454,600 | 1,811 |
| Average earning assets | $357,208,000 | 1,770 |
| Average equity | $38,659,200 | 1,910 |
| Average total loans | $233,163,800 | 1,918 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9747% | 3,447 |
| Cost of funding earning assets | 0.9707% | 226 |
| Net interest margin | 3.0040% | 4,908 |
| Noninterest income to average assets | 0.2298% | 4,839 |
| Noninterest expense to average assets | 1.5104% | 5,508 |
| Loan and lease loss provision to assets | 0.1572% | 1,314 |
| Net operating income to assets | 0.9744% | 2,665 |
| Return on assets (ROA) | 0.9744% | 2,724 |
| Pretax return on assets | 1.4240% | 2,046 |
| Return on Equity (ROE) | 9.4377% | 2,387 |
| Retained earnings to average equity (ytd only) | 7.2020% | 1,586 |
| Net charge-offs to loans | 0.4660% | 447 |
| Credit loss provision to net charge-offs | 53.6585% | 2,871 |
| Earnings coverage of net charge-offs (x) | 5.3963% | 3,114 |
| Efficiency ratio | 48.8558% | 5,302 |
| Assets per employee ($millions) | 8.7102% | 483 |
| Cash dividends to net income (ytd only)* | 23.6890% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 1,967 |
| Loan loss allowance to noncurrent loans | 239.6590% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 2,278 |
| Noncurrent loans to loans | 0.5766% | 2,963 |
| Net loans and leases to total assets | 60.2010% | 3,836 |
| Net loans and leases to deposits | 69.6773% | 3,985 |
| Net loans and leases to core deposits | 78.9801% | 3,538 |
| Total domestic deposits to total assets | 86.3997% | 2,132 |
| Equity capital to assets | 10.4282% | 3,443 |
| Core capital (leverage) ratio | 10.7205% | 2,737 |
| Tier 1 risk-based capital ratio | 16.0197% | 2,496 |
| Total risk-based capital ratio | 17.2699% | 2,434 |
| Memoranda: | ||
| Average total assets | $373,130,000 | 1,828 |
| Average earning assets | $355,472,500 | 1,793 |
| Average equity | $38,525,500 | 1,934 |
| Average total loans | $234,613,250 | 1,916 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9635% | 3,337 |
| Cost of funding earning assets | 0.9529% | 218 |
| Net interest margin | 3.0106% | 4,886 |
| Noninterest income to average assets | 0.1963% | 5,064 |
| Noninterest expense to average assets | 1.5118% | 5,555 |
| Loan and lease loss provision to assets | 0.1082% | 1,885 |
| Net operating income to assets | 1.0017% | 2,421 |
| Return on assets (ROA) | 1.0017% | 2,460 |
| Pretax return on assets | 1.4610% | 1,795 |
| Return on Equity (ROE) | 9.7358% | 2,152 |
| Retained earnings to average equity (ytd only) | 8.0273% | 1,152 |
| Net charge-offs to loans | 0.4028% | 509 |
| Credit loss provision to net charge-offs | 42.2833% | 2,622 |
| Earnings coverage of net charge-offs (x) | 6.1332% | 2,742 |
| Efficiency ratio | 49.0695% | 5,351 |
| Assets per employee ($millions) | 8.8259% | 443 |
| Cash dividends to net income (ytd only)* | 17.5486% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 1,857 |
| Loan loss allowance to noncurrent loans | 133.2801% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.8892% | 1,994 |
| Noncurrent loans to loans | 1.0668% | 1,837 |
| Net loans and leases to total assets | 62.4676% | 3,577 |
| Net loans and leases to deposits | 73.9359% | 3,553 |
| Net loans and leases to core deposits | 84.9067% | 2,978 |
| Total domestic deposits to total assets | 84.4888% | 3,015 |
| Equity capital to assets | 10.6712% | 3,154 |
| Core capital (leverage) ratio | 10.9342% | 2,476 |
| Tier 1 risk-based capital ratio | 15.9468% | 2,524 |
| Total risk-based capital ratio | 17.1978% | 2,468 |
| Memoranda: | ||
| Average total assets | $369,757,330 | 1,849 |
| Average earning assets | $354,282,670 | 1,795 |
| Average equity | $38,045,330 | 1,950 |
| Average total loans | $234,833,670 | 1,921 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 3,077 |
| Cost of funding earning assets | 0.9436% | 219 |
| Net interest margin | 3.0456% | 4,800 |
| Noninterest income to average assets | 0.1040% | 5,576 |
| Noninterest expense to average assets | 1.5392% | 5,608 |
| Loan and lease loss provision to assets | 0.1300% | 1,476 |
| Net operating income to assets | 0.9358% | 2,577 |
| Return on assets (ROA) | 0.9358% | 2,637 |
| Pretax return on assets | 1.3539% | 2,047 |
| Return on Equity (ROE) | 9.2680% | 2,287 |
| Retained earnings to average equity (ytd only) | 5.7818% | 2,449 |
| Net charge-offs to loans | 0.4787% | 385 |
| Credit loss provision to net charge-offs | 42.7046% | 2,050 |
| Earnings coverage of net charge-offs (x) | 4.8754% | 2,339 |
| Efficiency ratio | 50.9137% | 5,331 |
| Assets per employee ($millions) | 8.9217% | 440 |
| Cash dividends to net income (ytd only)* | 37.6157% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 1,780 |
| Loan loss allowance to noncurrent loans | 140.2112% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.7575% | 2,408 |
| Noncurrent loans to loans | 1.0520% | 1,950 |
| Net loans and leases to total assets | 63.0327% | 3,399 |
| Net loans and leases to deposits | 73.3975% | 3,464 |
| Net loans and leases to core deposits | 83.5077% | 2,944 |
| Total domestic deposits to total assets | 85.8785% | 2,730 |
| Equity capital to assets | 10.3444% | 3,356 |
| Core capital (leverage) ratio | 10.6710% | 2,715 |
| Tier 1 risk-based capital ratio | 15.6099% | 2,709 |
| Total risk-based capital ratio | 16.8616% | 2,646 |
| Memoranda: | ||
| Average total assets | $369,292,000 | 1,862 |
| Average earning assets | $353,950,500 | 1,806 |
| Average equity | $37,289,500 | 1,976 |
| Average total loans | $234,800,500 | 1,930 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 3,130 |
| Cost of funding earning assets | 0.9271% | 254 |
| Net interest margin | 3.0898% | 4,755 |
| Noninterest income to average assets | 0.3645% | 4,137 |
| Noninterest expense to average assets | 1.5636% | 5,681 |
| Loan and lease loss provision to assets | 0.2521% | 833 |
| Net operating income to assets | 1.0514% | 2,136 |
| Return on assets (ROA) | 1.0514% | 2,235 |
| Pretax return on assets | 1.5054% | 1,570 |
| Return on Equity (ROE) | 9.8746% | 2,014 |
| Retained earnings to average equity (ytd only) | 7.3849% | 1,084 |
| Net charge-offs to loans | 0.5584% | 420 |
| Credit loss provision to net charge-offs | 71.7230% | 3,109 |
| Earnings coverage of net charge-offs (x) | 5.0008% | 3,408 |
| Efficiency ratio | 47.0819% | 5,607 |
| Assets per employee ($millions) | 8.8760% | 441 |
| Cash dividends to net income (ytd only)* | 25.2136% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 1,556 |
| Loan loss allowance to noncurrent loans | 114.0107% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.9356% | 2,028 |
| Noncurrent loans to loans | 1.3452% | 1,526 |
| Net loans and leases to total assets | 62.2243% | 3,584 |
| Net loans and leases to deposits | 77.4722% | 3,164 |
| Net loans and leases to core deposits | 88.6836% | 2,613 |
| Total domestic deposits to total assets | 80.3183% | 4,503 |
| Equity capital to assets | 9.8553% | 3,875 |
| Core capital (leverage) ratio | 10.8292% | 2,505 |
| Tier 1 risk-based capital ratio | 15.2596% | 2,856 |
| Total risk-based capital ratio | 16.5120% | 2,789 |
| Memoranda: | ||
| Average total assets | $345,163,000 | 1,921 |
| Average earning assets | $330,283,400 | 1,870 |
| Average equity | $36,750,800 | 1,990 |
| Average total loans | $217,237,200 | 1,988 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 2,914 |
| Cost of funding earning assets | 0.9349% | 244 |
| Net interest margin | 3.1540% | 4,626 |
| Noninterest income to average assets | 0.4135% | 3,828 |
| Noninterest expense to average assets | 1.5664% | 5,715 |
| Loan and lease loss provision to assets | 0.3272% | 501 |
| Net operating income to assets | 1.0804% | 2,082 |
| Return on assets (ROA) | 1.0804% | 2,187 |
| Pretax return on assets | 1.5384% | 1,575 |
| Return on Equity (ROE) | 9.9435% | 2,074 |
| Retained earnings to average equity (ytd only) | 6.6242% | 1,837 |
| Net charge-offs to loans | 0.1072% | 1,874 |
| Credit loss provision to net charge-offs | 485.3801% | 727 |
| Earnings coverage of net charge-offs (x) | 27.6789% | 1,560 |
| Efficiency ratio | 45.6414% | 5,683 |
| Assets per employee ($millions) | 8.3230% | 516 |
| Cash dividends to net income (ytd only)* | 33.3819% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1705% | 544 |
| Loan loss allowance to noncurrent loans | 106.8782% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.3297% | 1,426 |
| Noncurrent loans to loans | 2.0308% | 961 |
| Net loans and leases to total assets | 59.5042% | 3,939 |
| Net loans and leases to deposits | 70.2979% | 3,962 |
| Net loans and leases to core deposits | 80.0534% | 3,437 |
| Total domestic deposits to total assets | 84.6458% | 2,968 |
| Equity capital to assets | 10.8466% | 3,206 |
| Core capital (leverage) ratio | 10.6342% | 2,845 |
| Tier 1 risk-based capital ratio | 16.4374% | 2,444 |
| Total risk-based capital ratio | 17.6968% | 2,391 |
| Memoranda: | ||
| Average total assets | $338,255,500 | 1,965 |
| Average earning assets | $323,730,500 | 1,909 |
| Average equity | $36,753,500 | 2,000 |
| Average total loans | $212,651,250 | 2,031 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1169% | 2,793 |
| Cost of funding earning assets | 0.9281% | 252 |
| Net interest margin | 3.1887% | 4,580 |
| Noninterest income to average assets | 0.3259% | 4,450 |
| Noninterest expense to average assets | 1.5558% | 5,799 |
| Loan and lease loss provision to assets | 0.1196% | 1,905 |
| Net operating income to assets | 1.1474% | 1,783 |
| Return on assets (ROA) | 1.2658% | 1,489 |
| Pretax return on assets | 1.8153% | 854 |
| Return on Equity (ROE) | 11.6427% | 1,430 |
| Retained earnings to average equity (ytd only) | 7.9800% | 1,171 |
| Net charge-offs to loans | 0.0630% | 2,292 |
| Credit loss provision to net charge-offs | 298.5075% | 972 |
| Earnings coverage of net charge-offs (x) | 45.3433% | 1,062 |
| Efficiency ratio | 46.1348% | 5,748 |
| Assets per employee ($millions) | 8.0187% | 558 |
| Cash dividends to net income (ytd only)* | 31.4596% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8836% | 921 |
| Loan loss allowance to noncurrent loans | 280.6452% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4722% | 3,640 |
| Noncurrent loans to loans | 0.6712% | 3,055 |
| Net loans and leases to total assets | 61.7737% | 3,649 |
| Net loans and leases to deposits | 73.5863% | 3,639 |
| Net loans and leases to core deposits | 85.5471% | 2,943 |
| Total domestic deposits to total assets | 83.9473% | 3,285 |
| Equity capital to assets | 10.9048% | 3,161 |
| Core capital (leverage) ratio | 11.0315% | 2,403 |
| Tier 1 risk-based capital ratio | 16.2992% | 2,504 |
| Total risk-based capital ratio | 17.5558% | 2,444 |
| Memoranda: | ||
| Average total assets | $334,485,670 | 1,991 |
| Average earning assets | $319,563,670 | 1,934 |
| Average equity | $36,366,000 | 2,021 |
| Average total loans | $212,661,330 | 2,030 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 2,624 |
| Cost of funding earning assets | 0.9333% | 247 |
| Net interest margin | 3.2250% | 4,499 |
| Noninterest income to average assets | 0.2709% | 4,796 |
| Noninterest expense to average assets | 1.6506% | 5,794 |
| Loan and lease loss provision to assets | 0.0972% | 2,071 |
| Net operating income to assets | 1.0834% | 1,974 |
| Return on assets (ROA) | 1.0834% | 2,073 |
| Pretax return on assets | 1.5996% | 1,295 |
| Return on Equity (ROE) | 9.9807% | 1,986 |
| Retained earnings to average equity (ytd only) | 2.5287% | 4,240 |
| Net charge-offs to loans | -0.0171% | 4,780 |
| Credit loss provision to net charge-offs | -888.8889% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3106% | 5,662 |
| Assets per employee ($millions) | 7.5006% | 705 |
| Cash dividends to net income (ytd only)* | 74.6637% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9413% | 905 |
| Loan loss allowance to noncurrent loans | 272.5741% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 3,597 |
| Noncurrent loans to loans | 0.7122% | 3,058 |
| Net loans and leases to total assets | 61.9107% | 3,545 |
| Net loans and leases to deposits | 71.8755% | 3,661 |
| Net loans and leases to core deposits | 83.1750% | 3,022 |
| Total domestic deposits to total assets | 86.1360% | 2,616 |
| Equity capital to assets | 10.8970% | 3,049 |
| Core capital (leverage) ratio | 10.9387% | 2,459 |
| Tier 1 risk-based capital ratio | 16.3800% | 2,525 |
| Total risk-based capital ratio | 17.6376% | 2,479 |
| Memoranda: | ||
| Average total assets | $329,327,500 | 2,032 |
| Average earning assets | $314,167,500 | 1,979 |
| Average equity | $35,749,000 | 2,047 |
| Average total loans | $210,449,000 | 2,048 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 2,463 |
| Cost of funding earning assets | 0.9442% | 231 |
| Net interest margin | 3.2843% | 4,358 |
| Noninterest income to average assets | 0.3410% | 4,472 |
| Noninterest expense to average assets | 1.5962% | 5,918 |
| Loan and lease loss provision to assets | 0.3957% | 350 |
| Net operating income to assets | 1.0652% | 2,070 |
| Return on assets (ROA) | 1.0667% | 2,137 |
| Pretax return on assets | 1.4716% | 1,645 |
| Return on Equity (ROE) | 9.9127% | 2,041 |
| Retained earnings to average equity (ytd only) | 7.8244% | 970 |
| Net charge-offs to loans | 0.3577% | 826 |
| Credit loss provision to net charge-offs | 170.1087% | 1,586 |
| Earnings coverage of net charge-offs (x) | 8.0177% | 3,007 |
| Efficiency ratio | 46.1145% | 5,922 |
| Assets per employee ($millions) | 7.6425% | 646 |
| Cash dividends to net income (ytd only)* | 21.0667% | 3,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8614% | 1,029 |
| Loan loss allowance to noncurrent loans | 481.8514% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 4,345 |
| Noncurrent loans to loans | 0.3863% | 4,068 |
| Net loans and leases to total assets | 63.4684% | 3,350 |
| Net loans and leases to deposits | 73.0862% | 3,604 |
| Net loans and leases to core deposits | 84.5652% | 2,926 |
| Total domestic deposits to total assets | 86.8404% | 2,220 |
| Equity capital to assets | 10.8131% | 3,013 |
| Core capital (leverage) ratio | 11.0487% | 2,350 |
| Tier 1 risk-based capital ratio | 16.1535% | 2,618 |
| Total risk-based capital ratio | 17.4103% | 2,573 |
| Memoranda: | ||
| Average total assets | $316,381,800 | 2,065 |
| Average earning assets | $300,582,200 | 2,014 |
| Average equity | $34,047,200 | 2,093 |
| Average total loans | $205,745,400 | 2,022 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 2,445 |
| Cost of funding earning assets | 0.9424% | 231 |
| Net interest margin | 3.2972% | 4,356 |
| Noninterest income to average assets | 0.3387% | 4,517 |
| Noninterest expense to average assets | 1.5928% | 5,981 |
| Loan and lease loss provision to assets | 0.2426% | 722 |
| Net operating income to assets | 1.1673% | 1,767 |
| Return on assets (ROA) | 1.1694% | 1,827 |
| Pretax return on assets | 1.6388% | 1,272 |
| Return on Equity (ROE) | 10.8801% | 1,748 |
| Retained earnings to average equity (ytd only) | 8.0651% | 1,222 |
| Net charge-offs to loans | 0.0274% | 3,395 |
| Credit loss provision to net charge-offs | 1,357.1429% | 272 |
| Earnings coverage of net charge-offs (x) | 105.0927% | 597 |
| Efficiency ratio | 45.8870% | 5,966 |
| Assets per employee ($millions) | 7.3418% | 736 |
| Cash dividends to net income (ytd only)* | 25.8735% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9425% | 996 |
| Loan loss allowance to noncurrent loans | 218.3819% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 3,321 |
| Noncurrent loans to loans | 0.8895% | 2,754 |
| Net loans and leases to total assets | 63.4482% | 3,384 |
| Net loans and leases to deposits | 73.6006% | 3,586 |
| Net loans and leases to core deposits | 84.0646% | 3,031 |
| Total domestic deposits to total assets | 86.2061% | 2,436 |
| Equity capital to assets | 11.0755% | 2,932 |
| Core capital (leverage) ratio | 11.1362% | 2,365 |
| Tier 1 risk-based capital ratio | 16.4958% | 2,579 |
| Total risk-based capital ratio | 17.7536% | 2,538 |
| Memoranda: | ||
| Average total assets | $313,320,250 | 2,088 |
| Average earning assets | $297,658,250 | 2,042 |
| Average equity | $33,675,250 | 2,121 |
| Average total loans | $204,049,000 | 2,052 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2146% | 2,498 |
| Cost of funding earning assets | 0.9335% | 244 |
| Net interest margin | 3.2811% | 4,369 |
| Noninterest income to average assets | 0.3302% | 4,595 |
| Noninterest expense to average assets | 1.6459% | 6,021 |
| Loan and lease loss provision to assets | 0.2304% | 803 |
| Net operating income to assets | 1.1263% | 1,850 |
| Return on assets (ROA) | 1.1263% | 1,938 |
| Pretax return on assets | 1.5691% | 1,428 |
| Return on Equity (ROE) | 10.5880% | 1,821 |
| Retained earnings to average equity (ytd only) | 6.3107% | 2,060 |
| Net charge-offs to loans | -0.0069% | 4,821 |
| Credit loss provision to net charge-offs | -5,142.8571% | 5,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7712% | 5,975 |
| Assets per employee ($millions) | 7.2051% | 765 |
| Cash dividends to net income (ytd only)* | 40.3977% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8262% | 1,320 |
| Loan loss allowance to noncurrent loans | 167.7832% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 3,017 |
| Noncurrent loans to loans | 1.0884% | 2,476 |
| Net loans and leases to total assets | 64.5567% | 3,186 |
| Net loans and leases to deposits | 77.7561% | 3,061 |
| Net loans and leases to core deposits | 89.4630% | 2,395 |
| Total domestic deposits to total assets | 83.0247% | 3,949 |
| Equity capital to assets | 10.6055% | 3,314 |
| Core capital (leverage) ratio | 10.8682% | 2,549 |
| Tier 1 risk-based capital ratio | 15.8490% | 2,929 |
| Total risk-based capital ratio | 17.1057% | 2,885 |
| Memoranda: | ||
| Average total assets | $312,528,000 | 2,111 |
| Average earning assets | $296,727,000 | 2,066 |
| Average equity | $33,245,330 | 2,157 |
| Average total loans | $203,974,670 | 2,054 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2203% | 2,382 |
| Cost of funding earning assets | 0.9223% | 257 |
| Net interest margin | 3.2980% | 4,228 |
| Noninterest income to average assets | 0.3236% | 4,600 |
| Noninterest expense to average assets | 1.5754% | 6,130 |
| Loan and lease loss provision to assets | 0.1547% | 1,314 |
| Net operating income to assets | 1.2208% | 1,489 |
| Return on assets (ROA) | 1.2208% | 1,582 |
| Pretax return on assets | 1.7236% | 1,006 |
| Return on Equity (ROE) | 11.4590% | 1,496 |
| Retained earnings to average equity (ytd only) | 2.8557% | 4,256 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6140% | 6,122 |
| Assets per employee ($millions) | 7.2760% | 745 |
| Cash dividends to net income (ytd only)* | 75.0792% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7555% | 1,603 |
| Loan loss allowance to noncurrent loans | 309.8346% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 4,309 |
| Noncurrent loans to loans | 0.5666% | 3,889 |
| Net loans and leases to total assets | 63.6786% | 3,137 |
| Net loans and leases to deposits | 73.6253% | 3,361 |
| Net loans and leases to core deposits | 87.0627% | 2,423 |
| Total domestic deposits to total assets | 86.4901% | 2,671 |
| Equity capital to assets | 10.6598% | 3,357 |
| Core capital (leverage) ratio | 10.7159% | 2,732 |
| Tier 1 risk-based capital ratio | 15.6707% | 3,071 |
| Total risk-based capital ratio | 16.9262% | 3,013 |
| Memoranda: | ||
| Average total assets | $310,279,500 | 2,132 |
| Average earning assets | $294,481,500 | 2,086 |
| Average equity | $33,057,000 | 2,176 |
| Average total loans | $201,728,000 | 2,074 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 2,725 |
| Cost of funding earning assets | 0.9301% | 328 |
| Net interest margin | 3.3338% | 4,463 |
| Noninterest income to average assets | 0.3473% | 4,620 |
| Noninterest expense to average assets | 1.6515% | 6,200 |
| Loan and lease loss provision to assets | 0.0849% | 2,778 |
| Net operating income to assets | 1.1411% | 1,810 |
| Return on assets (ROA) | 1.1386% | 1,889 |
| Pretax return on assets | 1.7827% | 827 |
| Return on Equity (ROE) | 11.3947% | 1,593 |
| Retained earnings to average equity (ytd only) | 10.0390% | 512 |
| Net charge-offs to loans | 0.1172% | 2,868 |
| Credit loss provision to net charge-offs | 111.1111% | 2,144 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,531 |
| Efficiency ratio | 46.8773% | 6,228 |
| Assets per employee ($millions) | 6.9930% | 846 |
| Cash dividends to net income (ytd only)* | 11.8979% | 4,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7143% | 1,739 |
| Loan loss allowance to noncurrent loans | 245.8899% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 4,059 |
| Noncurrent loans to loans | 0.6972% | 3,597 |
| Net loans and leases to total assets | 64.0987% | 3,210 |
| Net loans and leases to deposits | 75.0237% | 3,310 |
| Net loans and leases to core deposits | 88.3071% | 2,462 |
| Total domestic deposits to total assets | 85.4380% | 3,109 |
| Equity capital to assets | 10.6480% | 3,301 |
| Core capital (leverage) ratio | 10.7919% | 2,620 |
| Tier 1 risk-based capital ratio | 16.2535% | 2,834 |
| Total risk-based capital ratio | 17.5091% | 2,779 |
| Memoranda: | ||
| Average total assets | $306,332,400 | 2,121 |
| Average earning assets | $291,797,400 | 2,056 |
| Average equity | $30,610,600 | 2,240 |
| Average total loans | $199,584,600 | 2,041 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 2,767 |
| Cost of funding earning assets | 0.9264% | 351 |
| Net interest margin | 3.3355% | 4,491 |
| Noninterest income to average assets | 0.3425% | 4,701 |
| Noninterest expense to average assets | 1.6362% | 6,261 |
| Loan and lease loss provision to assets | 0.0697% | 2,954 |
| Net operating income to assets | 1.1570% | 1,838 |
| Return on assets (ROA) | 1.1573% | 1,899 |
| Pretax return on assets | 1.8157% | 861 |
| Return on Equity (ROE) | 11.7757% | 1,537 |
| Retained earnings to average equity (ytd only) | 9.9358% | 728 |
| Net charge-offs to loans | 0.0388% | 3,723 |
| Credit loss provision to net charge-offs | 275.8621% | 970 |
| Earnings coverage of net charge-offs (x) | 74.5876% | 741 |
| Efficiency ratio | 46.4670% | 6,274 |
| Assets per employee ($millions) | 6.8964% | 843 |
| Cash dividends to net income (ytd only)* | 15.6250% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 1,809 |
| Loan loss allowance to noncurrent loans | 202.7682% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6182% | 3,977 |
| Noncurrent loans to loans | 0.8655% | 3,401 |
| Net loans and leases to total assets | 64.8623% | 3,044 |
| Net loans and leases to deposits | 74.9839% | 3,315 |
| Net loans and leases to core deposits | 88.0079% | 2,430 |
| Total domestic deposits to total assets | 86.5016% | 2,588 |
| Equity capital to assets | 10.4857% | 3,583 |
| Core capital (leverage) ratio | 10.5443% | 2,990 |
| Tier 1 risk-based capital ratio | 15.8584% | 3,124 |
| Total risk-based capital ratio | 17.1143% | 3,066 |
| Memoranda: | ||
| Average total assets | $305,992,750 | 2,135 |
| Average earning assets | $291,600,500 | 2,071 |
| Average equity | $30,072,500 | 2,278 |
| Average total loans | $199,314,250 | 2,054 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 2,918 |
| Cost of funding earning assets | 0.9240% | 377 |
| Net interest margin | 3.2855% | 4,646 |
| Noninterest income to average assets | 0.3402% | 4,704 |
| Noninterest expense to average assets | 1.6269% | 6,338 |
| Loan and lease loss provision to assets | 0.0782% | 2,719 |
| Net operating income to assets | 1.1272% | 1,832 |
| Return on assets (ROA) | 1.1276% | 1,920 |
| Pretax return on assets | 1.7670% | 903 |
| Return on Equity (ROE) | 11.7325% | 1,506 |
| Retained earnings to average equity (ytd only) | 8.9181% | 1,015 |
| Net charge-offs to loans | -0.0241% | 5,603 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8644% | 6,328 |
| Assets per employee ($millions) | 6.7750% | 888 |
| Cash dividends to net income (ytd only)* | 23.9884% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 1,890 |
| Loan loss allowance to noncurrent loans | 318.2469% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 4,822 |
| Noncurrent loans to loans | 0.5596% | 4,342 |
| Net loans and leases to total assets | 64.3586% | 3,021 |
| Net loans and leases to deposits | 75.4974% | 3,123 |
| Net loans and leases to core deposits | 88.1995% | 2,294 |
| Total domestic deposits to total assets | 85.2461% | 3,390 |
| Equity capital to assets | 10.1471% | 3,902 |
| Core capital (leverage) ratio | 10.3588% | 3,129 |
| Tier 1 risk-based capital ratio | 15.4354% | 3,389 |
| Total risk-based capital ratio | 16.6916% | 3,329 |
| Memoranda: | ||
| Average total assets | $306,842,670 | 2,130 |
| Average earning assets | $292,432,670 | 2,060 |
| Average equity | $29,490,670 | 2,299 |
| Average total loans | $198,973,670 | 2,056 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 2,793 |
| Cost of funding earning assets | 0.9292% | 388 |
| Net interest margin | 3.2918% | 4,577 |
| Noninterest income to average assets | 0.3197% | 4,816 |
| Noninterest expense to average assets | 1.5840% | 6,445 |
| Loan and lease loss provision to assets | 0.1040% | 2,188 |
| Net operating income to assets | 1.1201% | 1,734 |
| Return on assets (ROA) | 1.1201% | 1,799 |
| Pretax return on assets | 1.7620% | 854 |
| Return on Equity (ROE) | 11.9855% | 1,409 |
| Retained earnings to average equity (ytd only) | 6.2152% | 2,428 |
| Net charge-offs to loans | -0.0020% | 4,703 |
| Credit loss provision to net charge-offs | -8,000.0000% | 5,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9134% | 6,433 |
| Assets per employee ($millions) | 6.8182% | 878 |
| Cash dividends to net income (ytd only)* | 48.1439% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 2,176 |
| Loan loss allowance to noncurrent loans | 262.9797% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5990% | 4,354 |
| Noncurrent loans to loans | 0.6674% | 4,193 |
| Net loans and leases to total assets | 63.7628% | 2,940 |
| Net loans and leases to deposits | 76.0742% | 2,803 |
| Net loans and leases to core deposits | 88.7673% | 2,021 |
| Total domestic deposits to total assets | 83.8166% | 4,336 |
| Equity capital to assets | 9.5655% | 4,410 |
| Core capital (leverage) ratio | 9.9523% | 3,631 |
| Tier 1 risk-based capital ratio | 15.3848% | 3,507 |
| Total risk-based capital ratio | 16.6412% | 3,456 |
| Memoranda: | ||
| Average total assets | $307,826,000 | 2,126 |
| Average earning assets | $292,726,000 | 2,061 |
| Average equity | $28,768,000 | 2,344 |
| Average total loans | $198,574,500 | 2,062 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 3,487 |
| Cost of funding earning assets | 1.0116% | 419 |
| Net interest margin | 3.1514% | 5,158 |
| Noninterest income to average assets | 0.1717% | 6,058 |
| Noninterest expense to average assets | 1.5387% | 6,552 |
| Loan and lease loss provision to assets | 0.0934% | 3,247 |
| Net operating income to assets | 0.9884% | 2,374 |
| Return on assets (ROA) | 0.9903% | 2,437 |
| Pretax return on assets | 1.5377% | 1,333 |
| Return on Equity (ROE) | 10.9095% | 1,795 |
| Retained earnings to average equity (ytd only) | 9.8052% | 590 |
| Net charge-offs to loans | 0.0712% | 4,214 |
| Credit loss provision to net charge-offs | 215.9091% | 1,069 |
| Earnings coverage of net charge-offs (x) | 37.6515% | 996 |
| Efficiency ratio | 48.5880% | 6,469 |
| Assets per employee ($millions) | 6.8629% | 822 |
| Cash dividends to net income (ytd only)* | 10.1224% | 4,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 2,324 |
| Loan loss allowance to noncurrent loans | 209.1912% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 4,184 |
| Noncurrent loans to loans | 0.8242% | 3,916 |
| Net loans and leases to total assets | 63.0126% | 3,202 |
| Net loans and leases to deposits | 74.6315% | 3,170 |
| Net loans and leases to core deposits | 88.6501% | 2,171 |
| Total domestic deposits to total assets | 84.4317% | 3,998 |
| Equity capital to assets | 9.1270% | 4,893 |
| Core capital (leverage) ratio | 9.7586% | 3,900 |
| Tier 1 risk-based capital ratio | 15.0245% | 3,650 |
| Total risk-based capital ratio | 16.2804% | 3,587 |
| Memoranda: | ||
| Average total assets | $305,263,800 | 2,117 |
| Average earning assets | $290,127,000 | 2,044 |
| Average equity | $27,709,800 | 2,402 |
| Average total loans | $185,499,200 | 2,151 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 3,751 |
| Cost of funding earning assets | 1.0240% | 438 |
| Net interest margin | 3.0778% | 5,381 |
| Noninterest income to average assets | 0.1945% | 6,009 |
| Noninterest expense to average assets | 1.4714% | 6,653 |
| Loan and lease loss provision to assets | 0.0701% | 3,661 |
| Net operating income to assets | 1.0181% | 2,303 |
| Return on assets (ROA) | 1.0207% | 2,382 |
| Pretax return on assets | 1.5840% | 1,374 |
| Return on Equity (ROE) | 11.2596% | 1,722 |
| Retained earnings to average equity (ytd only) | 9.7809% | 835 |
| Net charge-offs to loans | 0.0702% | 3,926 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | 39.2386% | 1,019 |
| Efficiency ratio | 47.1372% | 6,546 |
| Assets per employee ($millions) | 6.9016% | 788 |
| Cash dividends to net income (ytd only)* | 13.1330% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7480% | 2,461 |
| Loan loss allowance to noncurrent loans | 154.6512% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.9250% | 3,817 |
| Noncurrent loans to loans | 1.1303% | 3,544 |
| Net loans and leases to total assets | 61.5453% | 3,450 |
| Net loans and leases to deposits | 71.8914% | 3,526 |
| Net loans and leases to core deposits | 85.2984% | 2,489 |
| Total domestic deposits to total assets | 85.6087% | 3,447 |
| Equity capital to assets | 9.2090% | 4,926 |
| Core capital (leverage) ratio | 9.7773% | 3,996 |
| Tier 1 risk-based capital ratio | 15.0811% | 3,699 |
| Total risk-based capital ratio | 16.3370% | 3,648 |
| Memoranda: | ||
| Average total assets | $304,371,750 | 2,129 |
| Average earning assets | $289,459,500 | 2,058 |
| Average equity | $27,590,500 | 2,435 |
| Average total loans | $182,369,750 | 2,176 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0487% | 3,927 |
| Cost of funding earning assets | 1.0409% | 447 |
| Net interest margin | 3.0079% | 5,556 |
| Noninterest income to average assets | 0.3158% | 5,174 |
| Noninterest expense to average assets | 1.4622% | 6,700 |
| Loan and lease loss provision to assets | 0.0788% | 3,482 |
| Net operating income to assets | 1.0231% | 2,225 |
| Return on assets (ROA) | 1.0269% | 2,331 |
| Pretax return on assets | 1.6382% | 1,257 |
| Return on Equity (ROE) | 11.3888% | 1,687 |
| Retained earnings to average equity (ytd only) | 10.8062% | 681 |
| Net charge-offs to loans | 0.0901% | 3,468 |
| Credit loss provision to net charge-offs | 148.1481% | 1,554 |
| Earnings coverage of net charge-offs (x) | 32.1728% | 1,098 |
| Efficiency ratio | 46.0790% | 6,633 |
| Assets per employee ($millions) | 6.9353% | 740 |
| Cash dividends to net income (ytd only)* | 5.1151% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8189% | 2,372 |
| Loan loss allowance to noncurrent loans | 187.3935% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.8138% | 4,193 |
| Noncurrent loans to loans | 0.9706% | 3,999 |
| Net loans and leases to total assets | 59.7297% | 3,707 |
| Net loans and leases to deposits | 67.8332% | 4,040 |
| Net loans and leases to core deposits | 81.5259% | 2,853 |
| Total domestic deposits to total assets | 88.0538% | 2,207 |
| Equity capital to assets | 8.9528% | 5,261 |
| Core capital (leverage) ratio | 9.4761% | 4,284 |
| Tier 1 risk-based capital ratio | 15.2871% | 3,608 |
| Total risk-based capital ratio | 16.5437% | 3,560 |
| Memoranda: | ||
| Average total assets | $304,606,000 | 2,134 |
| Average earning assets | $289,375,000 | 2,060 |
| Average equity | $27,465,670 | 2,458 |
| Average total loans | $179,753,330 | 2,202 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0304% | 3,996 |
| Cost of funding earning assets | 1.0496% | 476 |
| Net interest margin | 2.9808% | 5,621 |
| Noninterest income to average assets | 0.3236% | 5,114 |
| Noninterest expense to average assets | 1.4061% | 6,814 |
| Loan and lease loss provision to assets | 0.1040% | 2,944 |
| Net operating income to assets | 1.0581% | 2,004 |
| Return on assets (ROA) | 1.0656% | 2,090 |
| Pretax return on assets | 1.6595% | 1,171 |
| Return on Equity (ROE) | 11.7778% | 1,479 |
| Retained earnings to average equity (ytd only) | 10.7006% | 938 |
| Net charge-offs to loans | 0.0335% | 3,562 |
| Credit loss provision to net charge-offs | 533.3333% | 506 |
| Earnings coverage of net charge-offs (x) | 89.8667% | 426 |
| Efficiency ratio | 44.5267% | 6,751 |
| Assets per employee ($millions) | 6.8960% | 810 |
| Cash dividends to net income (ytd only)* | 9.1463% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8155% | 2,567 |
| Loan loss allowance to noncurrent loans | 424.7765% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 4,819 |
| Noncurrent loans to loans | 0.4274% | 5,350 |
| Net loans and leases to total assets | 59.2813% | 3,557 |
| Net loans and leases to deposits | 67.0780% | 3,905 |
| Net loans and leases to core deposits | 80.4241% | 2,755 |
| Total domestic deposits to total assets | 88.3767% | 2,084 |
| Equity capital to assets | 9.2754% | 5,167 |
| Core capital (leverage) ratio | 9.0560% | 4,795 |
| Tier 1 risk-based capital ratio | 15.0633% | 3,793 |
| Total risk-based capital ratio | 16.3202% | 3,745 |
| Memoranda: | ||
| Average total assets | $307,799,000 | 2,134 |
| Average earning assets | $292,677,000 | 2,061 |
| Average equity | $27,849,000 | 2,459 |
| Average total loans | $178,917,000 | 2,225 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3874% | 3,863 |
| Cost of funding earning assets | 1.2320% | 499 |
| Net interest margin | 3.1554% | 5,675 |
| Noninterest income to average assets | 0.3638% | 4,877 |
| Noninterest expense to average assets | 1.5440% | 6,840 |
| Loan and lease loss provision to assets | 0.3190% | 2,142 |
| Net operating income to assets | 0.9434% | 2,585 |
| Return on assets (ROA) | 0.9444% | 2,832 |
| Pretax return on assets | 1.4725% | 1,772 |
| Return on Equity (ROE) | 10.3773% | 2,009 |
| Retained earnings to average equity (ytd only) | 6.2093% | 1,967 |
| Net charge-offs to loans | 0.3217% | 3,040 |
| Credit loss provision to net charge-offs | 171.3768% | 1,539 |
| Earnings coverage of net charge-offs (x) | 9.6159% | 2,250 |
| Efficiency ratio | 46.3133% | 6,774 |
| Assets per employee ($millions) | 7.2598% | 686 |
| Cash dividends to net income (ytd only)* | 40.1642% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8673% | 2,397 |
| Loan loss allowance to noncurrent loans | 228.2015% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.7105% | 4,704 |
| Noncurrent loans to loans | 0.8183% | 4,549 |
| Net loans and leases to total assets | 54.8967% | 4,471 |
| Net loans and leases to deposits | 62.8464% | 4,676 |
| Net loans and leases to core deposits | 76.1599% | 3,512 |
| Total domestic deposits to total assets | 87.3506% | 2,617 |
| Equity capital to assets | 8.8265% | 5,719 |
| Core capital (leverage) ratio | 8.6590% | 5,385 |
| Tier 1 risk-based capital ratio | 15.2967% | 3,544 |
| Total risk-based capital ratio | 16.5540% | 3,495 |
| Memoranda: | ||
| Average total assets | $296,575,400 | 2,162 |
| Average earning assets | $279,143,200 | 2,109 |
| Average equity | $26,991,600 | 2,481 |
| Average total loans | $171,571,800 | 2,294 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 3,935 |
| Cost of funding earning assets | 1.2636% | 525 |
| Net interest margin | 3.1638% | 5,787 |
| Noninterest income to average assets | 0.4018% | 4,624 |
| Noninterest expense to average assets | 1.4277% | 6,979 |
| Loan and lease loss provision to assets | 0.1481% | 3,685 |
| Net operating income to assets | 1.1325% | 1,976 |
| Return on assets (ROA) | 1.1334% | 2,170 |
| Pretax return on assets | 1.7999% | 1,046 |
| Return on Equity (ROE) | 12.3543% | 1,513 |
| Retained earnings to average equity (ytd only) | 10.9739% | 687 |
| Net charge-offs to loans | 0.4067% | 2,470 |
| Credit loss provision to net charge-offs | 62.3800% | 4,090 |
| Earnings coverage of net charge-offs (x) | 8.2015% | 2,488 |
| Efficiency ratio | 42.3113% | 6,955 |
| Assets per employee ($millions) | 6.8743% | 787 |
| Cash dividends to net income (ytd only)* | 11.1737% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 3,850 |
| Loan loss allowance to noncurrent loans | 182.3208% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8761% | 4,530 |
| Noncurrent loans to loans | 0.8352% | 4,746 |
| Net loans and leases to total assets | 57.1113% | 4,277 |
| Net loans and leases to deposits | 65.5503% | 4,530 |
| Net loans and leases to core deposits | 78.6634% | 3,367 |
| Total domestic deposits to total assets | 87.1260% | 2,591 |
| Equity capital to assets | 9.4082% | 5,319 |
| Core capital (leverage) ratio | 9.2724% | 4,640 |
| Tier 1 risk-based capital ratio | 15.7361% | 3,406 |
| Total risk-based capital ratio | 16.9892% | 3,372 |
| Memoranda: | ||
| Average total assets | $292,676,250 | 2,210 |
| Average earning assets | $274,982,500 | 2,157 |
| Average equity | $26,851,000 | 2,514 |
| Average total loans | $170,806,500 | 2,334 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 3,997 |
| Cost of funding earning assets | 1.3029% | 524 |
| Net interest margin | 3.1437% | 5,878 |
| Noninterest income to average assets | 0.3725% | 4,858 |
| Noninterest expense to average assets | 1.4450% | 7,034 |
| Loan and lease loss provision to assets | 0.1520% | 3,626 |
| Net operating income to assets | 1.0808% | 2,122 |
| Return on assets (ROA) | 1.0808% | 2,339 |
| Pretax return on assets | 1.7152% | 1,217 |
| Return on Equity (ROE) | 11.8865% | 1,703 |
| Retained earnings to average equity (ytd only) | 9.7736% | 1,043 |
| Net charge-offs to loans | 0.2304% | 3,187 |
| Credit loss provision to net charge-offs | 112.8205% | 2,417 |
| Earnings coverage of net charge-offs (x) | 13.8564% | 1,753 |
| Efficiency ratio | 43.6261% | 6,968 |
| Assets per employee ($millions) | 6.6455% | 885 |
| Cash dividends to net income (ytd only)* | 17.7749% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 3,185 |
| Loan loss allowance to noncurrent loans | 142.5333% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.9395% | 4,491 |
| Noncurrent loans to loans | 1.1997% | 4,152 |
| Net loans and leases to total assets | 56.8524% | 4,348 |
| Net loans and leases to deposits | 65.9094% | 4,518 |
| Net loans and leases to core deposits | 78.4315% | 3,458 |
| Total domestic deposits to total assets | 86.2583% | 3,217 |
| Equity capital to assets | 9.3207% | 5,293 |
| Core capital (leverage) ratio | 9.1374% | 4,707 |
| Tier 1 risk-based capital ratio | 15.7662% | 3,294 |
| Total risk-based capital ratio | 17.0221% | 3,263 |
| Memoranda: | ||
| Average total assets | $289,412,000 | 2,237 |
| Average earning assets | $270,632,330 | 2,186 |
| Average equity | $26,315,670 | 2,548 |
| Average total loans | $169,270,330 | 2,353 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5567% | 3,688 |
| Cost of funding earning assets | 1.3569% | 497 |
| Net interest margin | 3.1999% | 5,780 |
| Noninterest income to average assets | 0.4168% | 4,543 |
| Noninterest expense to average assets | 1.3601% | 7,140 |
| Loan and lease loss provision to assets | 0.2084% | 2,865 |
| Net operating income to assets | 1.1406% | 1,916 |
| Return on assets (ROA) | 1.1406% | 2,103 |
| Pretax return on assets | 1.8200% | 1,036 |
| Return on Equity (ROE) | 12.7058% | 1,489 |
| Retained earnings to average equity (ytd only) | 8.4035% | 1,821 |
| Net charge-offs to loans | 0.2291% | 2,782 |
| Credit loss provision to net charge-offs | 154.6392% | 1,629 |
| Earnings coverage of net charge-offs (x) | 15.0515% | 1,440 |
| Efficiency ratio | 40.1394% | 7,104 |
| Assets per employee ($millions) | 6.7637% | 856 |
| Cash dividends to net income (ytd only)* | 33.8611% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 3,230 |
| Loan loss allowance to noncurrent loans | 168.2997% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.8149% | 4,907 |
| Noncurrent loans to loans | 1.0280% | 4,630 |
| Net loans and leases to total assets | 57.0275% | 4,217 |
| Net loans and leases to deposits | 65.1298% | 4,471 |
| Net loans and leases to core deposits | 77.6346% | 3,379 |
| Total domestic deposits to total assets | 87.5597% | 2,615 |
| Equity capital to assets | 8.9593% | 5,559 |
| Core capital (leverage) ratio | 9.0005% | 4,845 |
| Tier 1 risk-based capital ratio | 15.3325% | 3,542 |
| Total risk-based capital ratio | 16.5882% | 3,497 |
| Memoranda: | ||
| Average total assets | $287,916,500 | 2,259 |
| Average earning assets | $267,384,000 | 2,224 |
| Average equity | $25,846,500 | 2,582 |
| Average total loans | $169,340,500 | 2,370 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 3,791 |
| Cost of funding earning assets | 1.6092% | 463 |
| Net interest margin | 3.1948% | 6,109 |
| Noninterest income to average assets | 0.1115% | 6,594 |
| Noninterest expense to average assets | 1.5244% | 7,154 |
| Loan and lease loss provision to assets | 0.1809% | 4,385 |
| Net operating income to assets | 0.8549% | 2,795 |
| Return on assets (ROA) | 0.8549% | 2,950 |
| Pretax return on assets | 1.3252% | 2,038 |
| Return on Equity (ROE) | 9.6440% | 2,192 |
| Retained earnings to average equity (ytd only) | 8.7782% | 861 |
| Net charge-offs to loans | 0.4104% | 3,373 |
| Credit loss provision to net charge-offs | 73.4421% | 4,720 |
| Earnings coverage of net charge-offs (x) | 6.1142% | 2,594 |
| Efficiency ratio | 50.3015% | 6,815 |
| Assets per employee ($millions) | 6.4772% | 971 |
| Cash dividends to net income (ytd only)* | 8.9782% | 3,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6874% | 3,245 |
| Loan loss allowance to noncurrent loans | 206.4075% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6397% | 5,376 |
| Noncurrent loans to loans | 0.8175% | 5,054 |
| Net loans and leases to total assets | 58.6103% | 4,264 |
| Net loans and leases to deposits | 67.6803% | 4,486 |
| Net loans and leases to core deposits | 80.3982% | 3,405 |
| Total domestic deposits to total assets | 86.5988% | 2,977 |
| Equity capital to assets | 8.9952% | 5,554 |
| Core capital (leverage) ratio | 9.0100% | 4,769 |
| Tier 1 risk-based capital ratio | 15.0213% | 3,627 |
| Total risk-based capital ratio | 16.2765% | 3,586 |
| Memoranda: | ||
| Average total assets | $273,612,400 | 2,312 |
| Average earning assets | $249,997,600 | 2,304 |
| Average equity | $24,253,400 | 2,640 |
| Average total loans | $164,242,600 | 2,434 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8323% | 3,868 |
| Cost of funding earning assets | 1.6621% | 454 |
| Net interest margin | 3.1702% | 6,233 |
| Noninterest income to average assets | 0.1891% | 6,248 |
| Noninterest expense to average assets | 1.5654% | 7,187 |
| Loan and lease loss provision to assets | 0.1699% | 4,348 |
| Net operating income to assets | 0.8504% | 2,938 |
| Return on assets (ROA) | 0.8504% | 3,091 |
| Pretax return on assets | 1.3448% | 2,135 |
| Return on Equity (ROE) | 9.6312% | 2,333 |
| Retained earnings to average equity (ytd only) | 8.4601% | 1,330 |
| Net charge-offs to loans | 0.5519% | 2,582 |
| Credit loss provision to net charge-offs | 51.1869% | 5,013 |
| Earnings coverage of net charge-offs (x) | 4.5638% | 3,022 |
| Efficiency ratio | 50.8233% | 6,780 |
| Assets per employee ($millions) | 6.6506% | 874 |
| Cash dividends to net income (ytd only)* | 12.1597% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6885% | 3,313 |
| Loan loss allowance to noncurrent loans | 289.3504% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 1.3028% | 4,204 |
| Noncurrent loans to loans | 0.5835% | 5,708 |
| Net loans and leases to total assets | 56.6358% | 4,738 |
| Net loans and leases to deposits | 64.9805% | 5,051 |
| Net loans and leases to core deposits | 76.9847% | 4,056 |
| Total domestic deposits to total assets | 87.1581% | 2,547 |
| Equity capital to assets | 8.9977% | 5,761 |
| Core capital (leverage) ratio | 9.0339% | 4,874 |
| Tier 1 risk-based capital ratio | 15.1006% | 3,609 |
| Total risk-based capital ratio | 16.3558% | 3,572 |
| Memoranda: | ||
| Average total assets | $270,766,500 | 2,348 |
| Average earning assets | $246,917,750 | 2,342 |
| Average equity | $23,907,750 | 2,681 |
| Average total loans | $162,827,250 | 2,471 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 3,919 |
| Cost of funding earning assets | 1.6902% | 483 |
| Net interest margin | 3.1479% | 6,287 |
| Noninterest income to average assets | 0.2695% | 5,710 |
| Noninterest expense to average assets | 1.6461% | 7,227 |
| Loan and lease loss provision to assets | 0.1829% | 4,089 |
| Net operating income to assets | 0.8279% | 2,950 |
| Return on assets (ROA) | 0.8279% | 3,063 |
| Pretax return on assets | 1.3116% | 2,100 |
| Return on Equity (ROE) | 9.4386% | 2,330 |
| Retained earnings to average equity (ytd only) | 7.6513% | 1,602 |
| Net charge-offs to loans | 0.7696% | 1,963 |
| Credit loss provision to net charge-offs | 38.9507% | 4,834 |
| Earnings coverage of net charge-offs (x) | 3.1828% | 3,275 |
| Efficiency ratio | 52.4126% | 6,760 |
| Assets per employee ($millions) | 6.3649% | 985 |
| Cash dividends to net income (ytd only)* | 18.9360% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6280% | 3,587 |
| Loan loss allowance to noncurrent loans | 254.0076% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 1.5024% | 3,950 |
| Noncurrent loans to loans | 0.6409% | 5,642 |
| Net loans and leases to total assets | 58.7712% | 4,503 |
| Net loans and leases to deposits | 67.7411% | 4,750 |
| Net loans and leases to core deposits | 80.1407% | 3,765 |
| Total domestic deposits to total assets | 86.7585% | 2,884 |
| Equity capital to assets | 8.9476% | 5,653 |
| Core capital (leverage) ratio | 8.8953% | 4,890 |
| Tier 1 risk-based capital ratio | 14.8388% | 3,590 |
| Total risk-based capital ratio | 16.0934% | 3,553 |
| Memoranda: | ||
| Average total assets | $267,913,000 | 2,388 |
| Average earning assets | $244,355,000 | 2,374 |
| Average equity | $23,499,330 | 2,699 |
| Average total loans | $163,464,330 | 2,487 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7713% | 4,196 |
| Cost of funding earning assets | 1.7226% | 504 |
| Net interest margin | 3.0486% | 6,463 |
| Noninterest income to average assets | 0.3170% | 5,389 |
| Noninterest expense to average assets | 1.5546% | 7,336 |
| Loan and lease loss provision to assets | 0.0377% | 5,518 |
| Net operating income to assets | 0.9343% | 2,428 |
| Return on assets (ROA) | 0.9343% | 2,492 |
| Pretax return on assets | 1.4972% | 1,456 |
| Return on Equity (ROE) | 10.7631% | 1,813 |
| Retained earnings to average equity (ytd only) | 7.8246% | 1,801 |
| Net charge-offs to loans | 0.2349% | 3,137 |
| Credit loss provision to net charge-offs | 26.0417% | 4,182 |
| Earnings coverage of net charge-offs (x) | 10.5938% | 1,624 |
| Efficiency ratio | 50.3175% | 6,962 |
| Assets per employee ($millions) | 6.3999% | 971 |
| Cash dividends to net income (ytd only)* | 27.3021% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8270% | 2,929 |
| Loan loss allowance to noncurrent loans | 248.9540% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 1.6697% | 3,746 |
| Noncurrent loans to loans | 0.7339% | 5,545 |
| Net loans and leases to total assets | 59.4734% | 4,369 |
| Net loans and leases to deposits | 68.5565% | 4,603 |
| Net loans and leases to core deposits | 81.4268% | 3,536 |
| Total domestic deposits to total assets | 86.7509% | 3,089 |
| Equity capital to assets | 8.6512% | 5,714 |
| Core capital (leverage) ratio | 9.0726% | 4,493 |
| Tier 1 risk-based capital ratio | 14.9754% | 3,437 |
| Total risk-based capital ratio | 16.2332% | 3,397 |
| Memoranda: | ||
| Average total assets | $265,023,500 | 2,426 |
| Average earning assets | $241,026,000 | 2,437 |
| Average equity | $23,004,500 | 2,744 |
| Average total loans | $163,439,500 | 2,516 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0732% | 4,218 |
| Cost of funding earning assets | 2.0405% | 520 |
| Net interest margin | 3.0328% | 6,676 |
| Noninterest income to average assets | 0.2398% | 6,083 |
| Noninterest expense to average assets | 1.7480% | 7,308 |
| Loan and lease loss provision to assets | 0.0616% | 6,530 |
| Net operating income to assets | 0.7493% | 2,999 |
| Return on assets (ROA) | 0.7498% | 3,121 |
| Pretax return on assets | 1.1537% | 2,383 |
| Return on Equity (ROE) | 8.2650% | 2,598 |
| Retained earnings to average equity (ytd only) | 7.6845% | 1,089 |
| Net charge-offs to loans | 0.0306% | 6,501 |
| Credit loss provision to net charge-offs | 316.6667% | 824 |
| Earnings coverage of net charge-offs (x) | 62.4583% | 382 |
| Efficiency ratio | 59.0045% | 6,198 |
| Assets per employee ($millions) | 6.2203% | 1,077 |
| Cash dividends to net income (ytd only)* | 7.0232% | 3,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 2,673 |
| Loan loss allowance to noncurrent loans | 193.8892% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 1.9395% | 3,426 |
| Noncurrent loans to loans | 0.9577% | 5,136 |
| Net loans and leases to total assets | 61.6250% | 4,367 |
| Net loans and leases to deposits | 70.5853% | 4,742 |
| Net loans and leases to core deposits | 83.9461% | 3,597 |
| Total domestic deposits to total assets | 87.3057% | 2,662 |
| Equity capital to assets | 8.7100% | 5,567 |
| Core capital (leverage) ratio | 9.0809% | 4,392 |
| Tier 1 risk-based capital ratio | 14.6562% | 3,447 |
| Total risk-based capital ratio | 15.9142% | 3,408 |
| Memoranda: | ||
| Average total assets | $246,852,400 | 2,577 |
| Average earning assets | $221,613,800 | 2,611 |
| Average equity | $22,395,600 | 2,833 |
| Average total loans | $156,813,000 | 2,657 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1444% | 4,101 |
| Cost of funding earning assets | 2.0968% | 539 |
| Net interest margin | 3.0475% | 6,737 |
| Noninterest income to average assets | 0.1814% | 6,582 |
| Noninterest expense to average assets | 1.7649% | 7,373 |
| Loan and lease loss provision to assets | 0.0833% | 6,207 |
| Net operating income to assets | 0.6899% | 3,466 |
| Return on assets (ROA) | 0.6906% | 3,618 |
| Pretax return on assets | 1.0611% | 2,964 |
| Return on Equity (ROE) | 7.5315% | 3,090 |
| Retained earnings to average equity (ytd only) | 6.9158% | 1,894 |
| Net charge-offs to loans | 0.0903% | 5,622 |
| Credit loss provision to net charge-offs | 144.7619% | 2,713 |
| Earnings coverage of net charge-offs (x) | 19.8661% | 1,192 |
| Efficiency ratio | 60.6860% | 5,840 |
| Assets per employee ($millions) | 5.9539% | 1,273 |
| Cash dividends to net income (ytd only)* | 8.1746% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8937% | 2,499 |
| Loan loss allowance to noncurrent loans | 113.2197% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 2.4346% | 2,937 |
| Noncurrent loans to loans | 1.6726% | 4,136 |
| Net loans and leases to total assets | 61.9244% | 4,547 |
| Net loans and leases to deposits | 71.4859% | 4,914 |
| Net loans and leases to core deposits | 83.2093% | 4,066 |
| Total domestic deposits to total assets | 86.6246% | 2,735 |
| Equity capital to assets | 9.2245% | 5,271 |
| Core capital (leverage) ratio | 9.3281% | 4,169 |
| Tier 1 risk-based capital ratio | 14.6445% | 3,429 |
| Total risk-based capital ratio | 15.9030% | 3,401 |
| Memoranda: | ||
| Average total assets | $243,252,750 | 2,653 |
| Average earning assets | $217,656,500 | 2,692 |
| Average equity | $22,305,750 | 2,891 |
| Average total loans | $155,005,750 | 2,728 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1669% | 4,107 |
| Cost of funding earning assets | 2.1422% | 567 |
| Net interest margin | 3.0247% | 6,781 |
| Noninterest income to average assets | 0.3220% | 5,585 |
| Noninterest expense to average assets | 1.7454% | 7,463 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8200% | 2,877 |
| Return on assets (ROA) | 0.8200% | 3,028 |
| Pretax return on assets | 1.2731% | 2,174 |
| Return on Equity (ROE) | 8.9606% | 2,484 |
| Retained earnings to average equity (ytd only) | 8.0990% | 1,408 |
| Net charge-offs to loans | 0.1415% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 14.0734% | 1,548 |
| Efficiency ratio | 57.8224% | 6,399 |
| Assets per employee ($millions) | 5.5735% | 1,556 |
| Cash dividends to net income (ytd only)* | 9.6154% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8239% | 2,656 |
| Loan loss allowance to noncurrent loans | 332.1219% | 887 |
| Noncurrent assets plus other real estate owned to assets | 2.2519% | 3,196 |
| Noncurrent loans to loans | 0.5492% | 6,156 |
| Net loans and leases to total assets | 63.6290% | 4,328 |
| Net loans and leases to deposits | 73.0066% | 4,830 |
| Net loans and leases to core deposits | 85.3051% | 3,935 |
| Total domestic deposits to total assets | 87.1552% | 2,454 |
| Equity capital to assets | 9.5009% | 4,701 |
| Core capital (leverage) ratio | 9.4132% | 3,942 |
| Tier 1 risk-based capital ratio | 14.5384% | 3,427 |
| Total risk-based capital ratio | 15.7954% | 3,379 |
| Memoranda: | ||
| Average total assets | $240,982,670 | 2,692 |
| Average earning assets | $214,829,000 | 2,749 |
| Average equity | $22,052,000 | 2,914 |
| Average total loans | $154,061,330 | 2,775 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0294% | 4,887 |
| Cost of funding earning assets | 2.1818% | 629 |
| Net interest margin | 2.8477% | 7,106 |
| Noninterest income to average assets | 0.4701% | 4,296 |
| Noninterest expense to average assets | 1.6553% | 7,614 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8674% | 2,681 |
| Return on assets (ROA) | 0.8674% | 2,767 |
| Pretax return on assets | 1.3491% | 1,906 |
| Return on Equity (ROE) | 9.6621% | 2,219 |
| Retained earnings to average equity (ytd only) | 8.0948% | 1,669 |
| Net charge-offs to loans | 0.2425% | 3,489 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 8.7634% | 1,925 |
| Efficiency ratio | 55.0964% | 6,876 |
| Assets per employee ($millions) | 5.3993% | 1,764 |
| Cash dividends to net income (ytd only)* | 16.2214% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8910% | 2,477 |
| Loan loss allowance to noncurrent loans | 118.8073% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 3.5050% | 2,006 |
| Noncurrent loans to loans | 1.5916% | 4,352 |
| Net loans and leases to total assets | 60.8376% | 4,966 |
| Net loans and leases to deposits | 69.6096% | 5,400 |
| Net loans and leases to core deposits | 83.5322% | 4,267 |
| Total domestic deposits to total assets | 87.3983% | 2,412 |
| Equity capital to assets | 9.0539% | 5,200 |
| Core capital (leverage) ratio | 9.2370% | 4,164 |
| Tier 1 risk-based capital ratio | 14.2858% | 3,494 |
| Total risk-based capital ratio | 15.5431% | 3,456 |
| Memoranda: | ||
| Average total assets | $241,643,500 | 2,745 |
| Average earning assets | $215,054,500 | 2,803 |
| Average equity | $21,693,000 | 2,979 |
| Average total loans | $153,428,500 | 2,843 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5223% | 4,026 |
| Cost of funding earning assets | 2.5426% | 912 |
| Net interest margin | 2.9798% | 6,701 |
| Noninterest income to average assets | 0.3077% | 5,884 |
| Noninterest expense to average assets | 1.7220% | 7,680 |
| Loan and lease loss provision to assets | 2.2567% | 917 |
| Net operating income to assets | -0.5812% | 6,251 |
| Return on assets (ROA) | -0.5812% | 6,249 |
| Pretax return on assets | -0.9791% | 6,396 |
| Return on Equity (ROE) | -5.9955% | 6,300 |
| Retained earnings to average equity (ytd only) | -7.1221% | 6,251 |
| Net charge-offs to loans | 2.4110% | 947 |
| Credit loss provision to net charge-offs | 142.7691% | 3,373 |
| Earnings coverage of net charge-offs (x) | 0.8082% | 5,303 |
| Efficiency ratio | 57.4090% | 6,847 |
| Assets per employee ($millions) | 5.7219% | 1,443 |
| Cash dividends to net income (ytd only)* | -18.7910% | 7,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8836% | 2,303 |
| Loan loss allowance to noncurrent loans | 85.7976% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 2.2953% | 3,011 |
| Noncurrent loans to loans | 2.1954% | 3,393 |
| Net loans and leases to total assets | 63.7694% | 4,640 |
| Net loans and leases to deposits | 72.7700% | 5,227 |
| Net loans and leases to core deposits | 99.5932% | 4,044 |
| Total domestic deposits to total assets | 87.6314% | 2,154 |
| Equity capital to assets | 8.8998% | 5,280 |
| Core capital (leverage) ratio | 9.1088% | 4,254 |
| Tier 1 risk-based capital ratio | 13.9163% | 3,556 |
| Total risk-based capital ratio | 15.1742% | 3,504 |
| Memoranda: | ||
| Average total assets | $236,233,200 | 2,751 |
| Average earning assets | $213,405,600 | 2,787 |
| Average equity | $22,900,600 | 2,839 |
| Average total loans | $154,874,200 | 2,846 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6974% | 3,353 |
| Cost of funding earning assets | 2.6131% | 997 |
| Net interest margin | 3.0842% | 6,353 |
| Noninterest income to average assets | 0.4291% | 5,059 |
| Noninterest expense to average assets | 1.7187% | 7,740 |
| Loan and lease loss provision to assets | 1.0940% | 1,788 |
| Net operating income to assets | 0.2806% | 4,861 |
| Return on assets (ROA) | 0.2806% | 4,971 |
| Pretax return on assets | 0.4110% | 4,774 |
| Return on Equity (ROE) | 2.8351% | 4,862 |
| Retained earnings to average equity (ytd only) | 1.4147% | 4,526 |
| Net charge-offs to loans | 0.9119% | 2,145 |
| Credit loss provision to net charge-offs | 182.5922% | 2,499 |
| Earnings coverage of net charge-offs (x) | 2.5118% | 3,969 |
| Efficiency ratio | 53.3146% | 7,308 |
| Assets per employee ($millions) | 5.5163% | 1,603 |
| Cash dividends to net income (ytd only)* | 50.1015% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 3,770 |
| Loan loss allowance to noncurrent loans | 139.4969% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 1.5901% | 3,970 |
| Noncurrent loans to loans | 1.0270% | 5,257 |
| Net loans and leases to total assets | 65.8660% | 4,461 |
| Net loans and leases to deposits | 76.1045% | 5,022 |
| Net loans and leases to core deposits | 103.2448% | 4,028 |
| Total domestic deposits to total assets | 86.5468% | 2,407 |
| Equity capital to assets | 10.1427% | 3,914 |
| Core capital (leverage) ratio | 10.1573% | 3,107 |
| Tier 1 risk-based capital ratio | 15.3444% | 2,896 |
| Total risk-based capital ratio | 16.5970% | 2,832 |
| Memoranda: | ||
| Average total assets | $235,211,750 | 2,780 |
| Average earning assets | $213,122,000 | 2,811 |
| Average equity | $23,278,750 | 2,829 |
| Average total loans | $154,544,750 | 2,877 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7437% | 3,326 |
| Cost of funding earning assets | 2.6741% | 1,098 |
| Net interest margin | 3.0696% | 6,336 |
| Noninterest income to average assets | 0.4374% | 4,960 |
| Noninterest expense to average assets | 1.6668% | 7,866 |
| Loan and lease loss provision to assets | 1.2615% | 1,354 |
| Net operating income to assets | 0.2132% | 5,216 |
| Return on assets (ROA) | 0.2132% | 5,295 |
| Pretax return on assets | 0.3004% | 5,208 |
| Return on Equity (ROE) | 2.1719% | 5,231 |
| Retained earnings to average equity (ytd only) | 0.0345% | 5,186 |
| Net charge-offs to loans | 1.1693% | 1,562 |
| Credit loss provision to net charge-offs | 165.1163% | 2,776 |
| Earnings coverage of net charge-offs (x) | 2.0443% | 4,062 |
| Efficiency ratio | 51.6247% | 7,545 |
| Assets per employee ($millions) | 5.5387% | 1,552 |
| Cash dividends to net income (ytd only)* | 98.4127% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 4,593 |
| Loan loss allowance to noncurrent loans | 38.3760% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 2.8974% | 2,207 |
| Noncurrent loans to loans | 3.2603% | 2,177 |
| Net loans and leases to total assets | 65.5827% | 4,651 |
| Net loans and leases to deposits | 75.6541% | 5,220 |
| Net loans and leases to core deposits | 103.6483% | 4,099 |
| Total domestic deposits to total assets | 86.6875% | 2,412 |
| Equity capital to assets | 9.8283% | 4,179 |
| Core capital (leverage) ratio | 9.8106% | 3,506 |
| Tier 1 risk-based capital ratio | 15.0319% | 3,006 |
| Total risk-based capital ratio | 16.2816% | 2,943 |
| Memoranda: | ||
| Average total assets | $236,387,670 | 2,785 |
| Average earning assets | $214,948,330 | 2,811 |
| Average equity | $23,205,330 | 2,847 |
| Average total loans | $154,453,330 | 2,914 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9497% | 2,564 |
| Cost of funding earning assets | 2.7550% | 1,099 |
| Net interest margin | 3.1948% | 5,875 |
| Noninterest income to average assets | 0.4684% | 4,605 |
| Noninterest expense to average assets | 1.4874% | 7,996 |
| Loan and lease loss provision to assets | 0.5305% | 2,347 |
| Net operating income to assets | 0.8511% | 2,908 |
| Return on assets (ROA) | 0.8511% | 3,061 |
| Pretax return on assets | 1.3531% | 2,114 |
| Return on Equity (ROE) | 8.6754% | 2,851 |
| Retained earnings to average equity (ytd only) | 4.4318% | 3,455 |
| Net charge-offs to loans | -0.2901% | 8,059 |
| Credit loss provision to net charge-offs | -282.1429% | 6,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1235% | 7,923 |
| Assets per employee ($millions) | 5.7288% | 1,379 |
| Cash dividends to net income (ytd only)* | 48.9152% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 5,209 |
| Loan loss allowance to noncurrent loans | 97.2573% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 1.4368% | 3,782 |
| Noncurrent loans to loans | 1.1691% | 4,650 |
| Net loans and leases to total assets | 64.0716% | 4,976 |
| Net loans and leases to deposits | 73.7702% | 5,508 |
| Net loans and leases to core deposits | 107.8999% | 3,698 |
| Total domestic deposits to total assets | 86.8529% | 2,294 |
| Equity capital to assets | 9.7237% | 4,352 |
| Core capital (leverage) ratio | 9.8871% | 3,532 |
| Tier 1 risk-based capital ratio | 15.2308% | 2,958 |
| Total risk-based capital ratio | 16.3796% | 2,947 |
| Memoranda: | ||
| Average total assets | $238,269,500 | 2,785 |
| Average earning assets | $216,480,000 | 2,800 |
| Average equity | $23,376,500 | 2,835 |
| Average total loans | $154,433,000 | 2,934 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2793% | 4,071 |
| Cost of funding earning assets | 3.1156% | 1,461 |
| Net interest margin | 3.1637% | 6,482 |
| Noninterest income to average assets | 0.2675% | 6,548 |
| Noninterest expense to average assets | 1.5140% | 8,029 |
| Loan and lease loss provision to assets | 0.2386% | 4,518 |
| Net operating income to assets | 0.8985% | 3,004 |
| Return on assets (ROA) | 0.8985% | 2,848 |
| Pretax return on assets | 1.3995% | 1,975 |
| Return on Equity (ROE) | 9.4920% | 2,438 |
| Retained earnings to average equity (ytd only) | 8.1103% | 813 |
| Net charge-offs to loans | 0.4432% | 2,608 |
| Credit loss provision to net charge-offs | 85.1064% | 5,786 |
| Earnings coverage of net charge-offs (x) | 5.8435% | 3,513 |
| Efficiency ratio | 48.0335% | 7,802 |
| Assets per employee ($millions) | 5.7544% | 1,291 |
| Cash dividends to net income (ytd only)* | 14.5567% | 4,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8795% | 6,778 |
| Loan loss allowance to noncurrent loans | 215.8909% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.9723% | 4,404 |
| Noncurrent loans to loans | 0.4074% | 6,123 |
| Net loans and leases to total assets | 64.2504% | 5,227 |
| Net loans and leases to deposits | 74.9117% | 5,744 |
| Net loans and leases to core deposits | 109.9477% | 3,785 |
| Total domestic deposits to total assets | 85.7682% | 2,509 |
| Equity capital to assets | 9.9000% | 4,158 |
| Core capital (leverage) ratio | 9.6670% | 3,811 |
| Tier 1 risk-based capital ratio | 15.3538% | 2,896 |
| Total risk-based capital ratio | 16.2421% | 2,963 |
| Memoranda: | ||
| Average total assets | $234,735,000 | 2,706 |
| Average earning assets | $214,021,200 | 2,722 |
| Average equity | $22,218,600 | 2,948 |
| Average total loans | $148,476,000 | 2,956 |