Home > Citizens Community Federal > Performance and Condition Ratios
Citizens Community Federal, 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 | 4.9967% | 2,074 |
| Cost of funding earning assets | 1.8789% | 1,106 |
| Net interest margin | 3.1178% | 3,060 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.0875% | 3,436 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.8976% | 2,552 |
| Return on assets (ROA) | 0.9151% | 2,464 |
| Pretax return on assets | 1.2934% | 1,883 |
| Return on Equity (ROE) | 7.6300% | 3,119 |
| Retained earnings to average equity (ytd only) | 2.1807% | 3,541 |
| Net charge-offs to loans | -0.0314% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.4002% | 2,922 |
| Assets per employee ($millions) | 8.3691% | 1,240 |
| Cash dividends to net income (ytd only)* | 71.4073% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 912 |
| Loan loss allowance to noncurrent loans | 168.7762% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.8308% | 608 |
| Noncurrent loans to loans | 0.9255% | 805 |
| Net loans and leases to total assets | 78.0500% | 863 |
| Net loans and leases to deposits | 93.8937% | 947 |
| Net loans and leases to core deposits | 103.2517% | 1,258 |
| Total domestic deposits to total assets | 83.1300% | 2,859 |
| Equity capital to assets | 11.9632% | 1,135 |
| Core capital (leverage) ratio | 11.5192% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6116% | 1,652 |
| Memoranda: | ||
| Average total assets | $1,836,382,600 | 612 |
| Average earning assets | $1,688,003,000 | 610 |
| Average equity | $220,340,000 | 501 |
| Average total loans | $1,435,542,600 | 534 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 1,999 |
| Cost of funding earning assets | 1.8368% | 948 |
| Net interest margin | 3.0932% | 3,152 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.0449% | 3,482 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8796% | 2,752 |
| Return on assets (ROA) | 0.8867% | 2,716 |
| Pretax return on assets | 1.3016% | 2,040 |
| Return on Equity (ROE) | 7.3800% | 3,334 |
| Retained earnings to average equity (ytd only) | 3.4473% | 3,402 |
| Net charge-offs to loans | -0.0175% | 4,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.7881% | 2,989 |
| Assets per employee ($millions) | 8.4306% | 1,148 |
| Cash dividends to net income (ytd only)* | 53.3180% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 919 |
| Loan loss allowance to noncurrent loans | 159.2251% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.8458% | 653 |
| Noncurrent loans to loans | 0.9949% | 812 |
| Net loans and leases to total assets | 78.0200% | 879 |
| Net loans and leases to deposits | 95.9863% | 756 |
| Net loans and leases to core deposits | 104.7515% | 1,078 |
| Total domestic deposits to total assets | 81.2800% | 3,338 |
| Equity capital to assets | 11.8949% | 1,063 |
| Core capital (leverage) ratio | 11.6046% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5706% | 1,690 |
| Memoranda: | ||
| Average total assets | $1,833,088,000 | 617 |
| Average earning assets | $1,684,481,750 | 614 |
| Average equity | $220,108,250 | 494 |
| Average total loans | $1,427,787,000 | 536 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 1,972 |
| Cost of funding earning assets | 1.6504% | 969 |
| Net interest margin | 3.1588% | 3,083 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.0988% | 3,350 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9440% | 2,604 |
| Return on assets (ROA) | 0.9524% | 2,566 |
| Pretax return on assets | 1.2853% | 2,122 |
| Return on Equity (ROE) | 7.9100% | 3,256 |
| Retained earnings to average equity (ytd only) | 6.5493% | 2,435 |
| Net charge-offs to loans | -0.0037% | 3,643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.9618% | 2,966 |
| Assets per employee ($millions) | 8.1622% | 1,246 |
| Cash dividends to net income (ytd only)* | 17.1723% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 893 |
| Loan loss allowance to noncurrent loans | 143.3948% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.9491% | 509 |
| Noncurrent loans to loans | 1.1317% | 626 |
| Net loans and leases to total assets | 76.8000% | 964 |
| Net loans and leases to deposits | 95.2199% | 776 |
| Net loans and leases to core deposits | 104.5911% | 1,030 |
| Total domestic deposits to total assets | 80.6600% | 3,480 |
| Equity capital to assets | 12.1317% | 1,013 |
| Core capital (leverage) ratio | 11.6835% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7231% | 1,649 |
| Memoranda: | ||
| Average total assets | $1,834,305,000 | 606 |
| Average earning assets | $1,683,725,000 | 604 |
| Average equity | $220,941,000 | 484 |
| Average total loans | $1,420,294,000 | 522 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 1,924 |
| Cost of funding earning assets | 1.3852% | 1,051 |
| Net interest margin | 3.2845% | 2,919 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.1149% | 3,344 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.9964% | 2,540 |
| Return on assets (ROA) | 1.0037% | 2,481 |
| Pretax return on assets | 1.3496% | 2,018 |
| Return on Equity (ROE) | 8.3600% | 3,211 |
| Retained earnings to average equity (ytd only) | 8.3625% | 2,129 |
| Net charge-offs to loans | 0.0068% | 1,700 |
| Credit loss provision to net charge-offs | 241.6667% | 758 |
| Earnings coverage of net charge-offs (x) | 258.6250% | 414 |
| Efficiency ratio | 59.7324% | 2,990 |
| Assets per employee ($millions) | 8.1190% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 1,021 |
| Loan loss allowance to noncurrent loans | 213.2688% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 793 |
| Noncurrent loans to loans | 0.7480% | 1,023 |
| Net loans and leases to total assets | 75.2500% | 1,053 |
| Net loans and leases to deposits | 96.7360% | 614 |
| Net loans and leases to core deposits | 103.6367% | 938 |
| Total domestic deposits to total assets | 77.7900% | 4,020 |
| Equity capital to assets | 11.9027% | 1,026 |
| Core capital (leverage) ratio | 11.6392% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5670% | 1,772 |
| Memoranda: | ||
| Average total assets | $1,837,291,500 | 620 |
| Average earning assets | $1,686,727,500 | 615 |
| Average equity | $220,507,500 | 493 |
| Average total loans | $1,416,750,000 | 536 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 1,136 |
| Cost of funding earning assets | 0.5355% | 1,185 |
| Net interest margin | 3.7265% | 1,316 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.2570% | 2,871 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.1886% | 1,819 |
| Return on assets (ROA) | 1.1972% | 1,719 |
| Pretax return on assets | 1.5991% | 1,173 |
| Return on Equity (ROE) | 9.8000% | 2,871 |
| Retained earnings to average equity (ytd only) | 7.0301% | 2,231 |
| Net charge-offs to loans | 0.0333% | 1,410 |
| Credit loss provision to net charge-offs | 328.5078% | 869 |
| Earnings coverage of net charge-offs (x) | 66.0445% | 1,190 |
| Efficiency ratio | 55.3772% | 3,646 |
| Assets per employee ($millions) | 7.9970% | 1,324 |
| Cash dividends to net income (ytd only)* | 28.2446% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,039 |
| Loan loss allowance to noncurrent loans | 156.6588% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 687 |
| Noncurrent loans to loans | 0.8111% | 914 |
| Net loans and leases to total assets | 76.7800% | 921 |
| Net loans and leases to deposits | 96.4583% | 613 |
| Net loans and leases to core deposits | 101.0805% | 944 |
| Total domestic deposits to total assets | 79.6000% | 3,934 |
| Equity capital to assets | 12.1032% | 900 |
| Core capital (leverage) ratio | 11.5237% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1751% | 1,913 |
| Memoranda: | ||
| Average total assets | $1,774,356,200 | 614 |
| Average earning assets | $1,630,799,400 | 610 |
| Average equity | $216,824,800 | 491 |
| Average total loans | $1,349,338,200 | 523 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1187% | 1,032 |
| Cost of funding earning assets | 0.4035% | 1,263 |
| Net interest margin | 3.7152% | 1,099 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.2914% | 2,652 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.2190% | 1,638 |
| Return on assets (ROA) | 1.2136% | 1,627 |
| Pretax return on assets | 1.6092% | 1,098 |
| Return on Equity (ROE) | 9.9100% | 2,757 |
| Retained earnings to average equity (ytd only) | 9.2898% | 1,557 |
| Net charge-offs to loans | 0.0471% | 1,013 |
| Credit loss provision to net charge-offs | 164.5435% | 1,080 |
| Earnings coverage of net charge-offs (x) | 47.0446% | 1,315 |
| Efficiency ratio | 55.4939% | 3,677 |
| Assets per employee ($millions) | 7.5721% | 1,569 |
| Cash dividends to net income (ytd only)* | 6.2278% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 2,256 |
| Loan loss allowance to noncurrent loans | 156.2341% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 733 |
| Noncurrent loans to loans | 0.8006% | 1,001 |
| Net loans and leases to total assets | 76.3900% | 868 |
| Net loans and leases to deposits | 93.7837% | 648 |
| Net loans and leases to core deposits | 96.6940% | 968 |
| Total domestic deposits to total assets | 81.4500% | 3,910 |
| Equity capital to assets | 12.3473% | 807 |
| Core capital (leverage) ratio | 11.6013% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3861% | 1,907 |
| Memoranda: | ||
| Average total assets | $1,764,113,250 | 621 |
| Average earning assets | $1,622,653,250 | 615 |
| Average equity | $216,102,750 | 497 |
| Average total loans | $1,333,726,750 | 524 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 984 |
| Cost of funding earning assets | 0.3287% | 1,449 |
| Net interest margin | 3.6409% | 1,006 |
| Noninterest income to average assets | 0.5945% | 1,768 |
| Noninterest expense to average assets | 2.2410% | 2,729 |
| Loan and lease loss provision to assets | 0.0455% | 1,761 |
| Net operating income to assets | 1.2484% | 1,281 |
| Return on assets (ROA) | 1.2409% | 1,291 |
| Pretax return on assets | 1.6503% | 848 |
| Return on Equity (ROE) | 10.1573% | 2,278 |
| Retained earnings to average equity (ytd only) | 9.2266% | 1,221 |
| Net charge-offs to loans | 0.0740% | 720 |
| Credit loss provision to net charge-offs | 81.9672% | 1,381 |
| Earnings coverage of net charge-offs (x) | 30.7316% | 1,377 |
| Efficiency ratio | 54.4904% | 3,918 |
| Assets per employee ($millions) | 7.1665% | 1,832 |
| Cash dividends to net income (ytd only)* | 9.1625% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,435 |
| Loan loss allowance to noncurrent loans | 150.9104% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7133% | 753 |
| Noncurrent loans to loans | 0.8271% | 1,036 |
| Net loans and leases to total assets | 75.5093% | 774 |
| Net loans and leases to deposits | 92.8242% | 565 |
| Net loans and leases to core deposits | 93.9641% | 912 |
| Total domestic deposits to total assets | 81.3466% | 4,085 |
| Equity capital to assets | 12.4390% | 777 |
| Core capital (leverage) ratio | 11.3876% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3489% | 1,919 |
| Memoranda: | ||
| Average total assets | $1,759,004,667 | 617 |
| Average earning assets | $1,619,285,333 | 616 |
| Average equity | $214,899,667 | 500 |
| Average total loans | $1,319,455,000 | 519 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8060% | 1,075 |
| Cost of funding earning assets | 0.3407% | 1,279 |
| Net interest margin | 3.4654% | 1,147 |
| Noninterest income to average assets | 0.6912% | 1,340 |
| Noninterest expense to average assets | 2.2213% | 2,772 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2538% | 1,109 |
| Return on assets (ROA) | 1.2471% | 1,112 |
| Pretax return on assets | 1.6551% | 751 |
| Return on Equity (ROE) | 10.3017% | 1,857 |
| Retained earnings to average equity (ytd only) | 8.4212% | 1,451 |
| Net charge-offs to loans | 0.0294% | 1,019 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 76.1146% | 764 |
| Efficiency ratio | 54.8406% | 3,992 |
| Assets per employee ($millions) | 7.4265% | 1,728 |
| Cash dividends to net income (ytd only)* | 18.2548% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 2,358 |
| Loan loss allowance to noncurrent loans | 137.2226% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7671% | 725 |
| Noncurrent loans to loans | 0.9481% | 962 |
| Net loans and leases to total assets | 71.8837% | 843 |
| Net loans and leases to deposits | 87.1942% | 667 |
| Net loans and leases to core deposits | 88.3580% | 1,003 |
| Total domestic deposits to total assets | 82.4409% | 4,023 |
| Equity capital to assets | 12.3372% | 848 |
| Core capital (leverage) ratio | 11.1363% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9495% | 1,818 |
| Memoranda: | ||
| Average total assets | $1,757,024,500 | 620 |
| Average earning assets | $1,619,227,000 | 617 |
| Average equity | $212,702,000 | 516 |
| Average total loans | $1,305,168,500 | 521 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 1,182 |
| Cost of funding earning assets | 0.4727% | 1,045 |
| Net interest margin | 3.6167% | 1,420 |
| Noninterest income to average assets | 0.8381% | 1,353 |
| Noninterest expense to average assets | 2.3187% | 2,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3350% | 1,494 |
| Return on assets (ROA) | 1.3913% | 1,358 |
| Pretax return on assets | 1.8967% | 726 |
| Return on Equity (ROE) | 11.9223% | 1,843 |
| Retained earnings to average equity (ytd only) | 5.6857% | 2,484 |
| Net charge-offs to loans | 0.0105% | 2,166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 241.1846% | 479 |
| Efficiency ratio | 53.7089% | 3,961 |
| Assets per employee ($millions) | 7.1864% | 1,797 |
| Cash dividends to net income (ytd only)* | 52.3100% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 2,440 |
| Loan loss allowance to noncurrent loans | 143.0154% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 805 |
| Noncurrent loans to loans | 0.8975% | 1,127 |
| Net loans and leases to total assets | 74.7919% | 601 |
| Net loans and leases to deposits | 92.1512% | 460 |
| Net loans and leases to core deposits | 93.5692% | 803 |
| Total domestic deposits to total assets | 81.1622% | 4,087 |
| Equity capital to assets | 11.8696% | 1,308 |
| Core capital (leverage) ratio | 10.0037% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4498% | 2,476 |
| Memoranda: | ||
| Average total assets | $1,717,580,000 | 609 |
| Average earning assets | $1,570,092,600 | 613 |
| Average equity | $200,431,000 | 545 |
| Average total loans | $1,237,535,600 | 551 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 1,430 |
| Cost of funding earning assets | 0.4928% | 1,082 |
| Net interest margin | 3.5548% | 1,717 |
| Noninterest income to average assets | 0.8591% | 1,352 |
| Noninterest expense to average assets | 2.3026% | 2,748 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3187% | 1,762 |
| Return on assets (ROA) | 1.3398% | 1,769 |
| Pretax return on assets | 1.8252% | 1,105 |
| Return on Equity (ROE) | 11.5320% | 2,200 |
| Retained earnings to average equity (ytd only) | 3.8243% | 3,632 |
| Net charge-offs to loans | 0.0231% | 1,579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 109.4550% | 824 |
| Efficiency ratio | 53.8745% | 3,831 |
| Assets per employee ($millions) | 7.2153% | 1,729 |
| Cash dividends to net income (ytd only)* | 66.8371% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 2,246 |
| Loan loss allowance to noncurrent loans | 138.7520% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6919% | 1,076 |
| Noncurrent loans to loans | 0.9702% | 1,184 |
| Net loans and leases to total assets | 70.3523% | 1,050 |
| Net loans and leases to deposits | 86.2004% | 819 |
| Net loans and leases to core deposits | 87.7027% | 1,168 |
| Total domestic deposits to total assets | 81.6148% | 3,995 |
| Equity capital to assets | 11.4996% | 1,678 |
| Core capital (leverage) ratio | 9.6435% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6026% | 2,503 |
| Memoranda: | ||
| Average total assets | $1,712,195,250 | 614 |
| Average earning assets | $1,561,518,750 | 619 |
| Average equity | $198,932,000 | 549 |
| Average total loans | $1,217,511,250 | 570 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 1,500 |
| Cost of funding earning assets | 0.5204% | 1,091 |
| Net interest margin | 3.5091% | 1,835 |
| Noninterest income to average assets | 0.9093% | 1,247 |
| Noninterest expense to average assets | 2.2851% | 2,814 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3375% | 1,755 |
| Return on assets (ROA) | 1.3627% | 1,747 |
| Pretax return on assets | 1.8551% | 1,110 |
| Return on Equity (ROE) | 11.6879% | 2,170 |
| Retained earnings to average equity (ytd only) | 4.1134% | 3,485 |
| Net charge-offs to loans | 0.0328% | 1,324 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 78.1970% | 848 |
| Efficiency ratio | 53.3349% | 3,882 |
| Assets per employee ($millions) | 7.1731% | 1,678 |
| Cash dividends to net income (ytd only)* | 64.8060% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 1,878 |
| Loan loss allowance to noncurrent loans | 195.4630% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 1,636 |
| Noncurrent loans to loans | 0.7275% | 1,631 |
| Net loans and leases to total assets | 68.1199% | 1,430 |
| Net loans and leases to deposits | 83.8265% | 1,077 |
| Net loans and leases to core deposits | 85.9242% | 1,425 |
| Total domestic deposits to total assets | 81.2629% | 4,051 |
| Equity capital to assets | 11.7011% | 1,519 |
| Core capital (leverage) ratio | 9.6835% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7128% | 2,081 |
| Memoranda: | ||
| Average total assets | $1,698,488,667 | 616 |
| Average earning assets | $1,548,391,333 | 616 |
| Average equity | $198,034,667 | 546 |
| Average total loans | $1,206,572,000 | 575 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 1,462 |
| Cost of funding earning assets | 0.5516% | 1,091 |
| Net interest margin | 3.5165% | 1,782 |
| Noninterest income to average assets | 1.0520% | 1,054 |
| Noninterest expense to average assets | 2.3271% | 2,705 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4214% | 1,520 |
| Return on assets (ROA) | 1.4653% | 1,468 |
| Pretax return on assets | 1.9859% | 968 |
| Return on Equity (ROE) | 12.5905% | 1,798 |
| Retained earnings to average equity (ytd only) | 5.4749% | 3,072 |
| Net charge-offs to loans | 0.0605% | 922 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 44.3370% | 945 |
| Efficiency ratio | 52.4426% | 3,960 |
| Assets per employee ($millions) | 7.0412% | 1,780 |
| Cash dividends to net income (ytd only)* | 56.5154% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 1,906 |
| Loan loss allowance to noncurrent loans | 182.9626% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 1,771 |
| Noncurrent loans to loans | 0.7715% | 1,697 |
| Net loans and leases to total assets | 67.9817% | 1,537 |
| Net loans and leases to deposits | 84.0022% | 1,142 |
| Net loans and leases to core deposits | 86.6610% | 1,480 |
| Total domestic deposits to total assets | 80.9284% | 4,071 |
| Equity capital to assets | 11.4276% | 1,591 |
| Core capital (leverage) ratio | 9.7779% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5230% | 1,732 |
| Memoranda: | ||
| Average total assets | $1,690,552,000 | 612 |
| Average earning assets | $1,540,981,500 | 609 |
| Average equity | $196,752,000 | 538 |
| Average total loans | $1,217,524,500 | 566 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4929% | 1,328 |
| Cost of funding earning assets | 0.8199% | 1,130 |
| Net interest margin | 3.6730% | 1,898 |
| Noninterest income to average assets | 0.9203% | 1,218 |
| Noninterest expense to average assets | 2.4964% | 2,859 |
| Loan and lease loss provision to assets | 0.4896% | 521 |
| Net operating income to assets | 0.9407% | 2,519 |
| Return on assets (ROA) | 0.9462% | 2,647 |
| Pretax return on assets | 1.2849% | 2,031 |
| Return on Equity (ROE) | 7.8143% | 2,885 |
| Retained earnings to average equity (ytd only) | 2.3363% | 3,692 |
| Net charge-offs to loans | 0.0837% | 1,625 |
| Credit loss provision to net charge-offs | 754.6251% | 950 |
| Earnings coverage of net charge-offs (x) | 27.2425% | 1,690 |
| Efficiency ratio | 56.1821% | 3,967 |
| Assets per employee ($millions) | 6.8995% | 1,643 |
| Cash dividends to net income (ytd only)* | 70.1028% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 2,089 |
| Loan loss allowance to noncurrent loans | 150.3838% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6967% | 1,495 |
| Noncurrent loans to loans | 0.9135% | 1,540 |
| Net loans and leases to total assets | 74.2046% | 997 |
| Net loans and leases to deposits | 92.7324% | 736 |
| Net loans and leases to core deposits | 96.1142% | 1,112 |
| Total domestic deposits to total assets | 80.0201% | 4,037 |
| Equity capital to assets | 11.8597% | 1,642 |
| Core capital (leverage) ratio | 9.8610% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7099% | 1,964 |
| Memoranda: | ||
| Average total assets | $1,582,886,800 | 589 |
| Average earning assets | $1,440,916,200 | 586 |
| Average equity | $191,674,400 | 524 |
| Average total loans | $1,226,657,800 | 537 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 1,571 |
| Cost of funding earning assets | 0.8810% | 1,131 |
| Net interest margin | 3.6201% | 2,200 |
| Noninterest income to average assets | 0.9078% | 1,200 |
| Noninterest expense to average assets | 2.5226% | 2,768 |
| Loan and lease loss provision to assets | 0.4469% | 727 |
| Net operating income to assets | 0.9087% | 2,658 |
| Return on assets (ROA) | 0.9152% | 2,770 |
| Pretax return on assets | 1.2441% | 2,251 |
| Return on Equity (ROE) | 7.5173% | 3,004 |
| Retained earnings to average equity (ytd only) | 2.9728% | 3,531 |
| Net charge-offs to loans | 0.0800% | 1,503 |
| Credit loss provision to net charge-offs | 715.2589% | 1,051 |
| Earnings coverage of net charge-offs (x) | 26.9332% | 1,681 |
| Efficiency ratio | 57.5630% | 3,728 |
| Assets per employee ($millions) | 6.4898% | 1,844 |
| Cash dividends to net income (ytd only)* | 60.4539% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,652 |
| Loan loss allowance to noncurrent loans | 105.1900% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9159% | 1,247 |
| Noncurrent loans to loans | 1.1420% | 1,329 |
| Net loans and leases to total assets | 75.2098% | 1,204 |
| Net loans and leases to deposits | 94.4924% | 883 |
| Net loans and leases to core deposits | 98.3902% | 1,281 |
| Total domestic deposits to total assets | 79.5935% | 3,941 |
| Equity capital to assets | 11.9993% | 1,676 |
| Core capital (leverage) ratio | 9.8567% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0033% | 1,828 |
| Memoranda: | ||
| Average total assets | $1,566,365,750 | 579 |
| Average earning assets | $1,426,810,000 | 573 |
| Average equity | $190,702,250 | 522 |
| Average total loans | $1,223,158,250 | 533 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6755% | 1,459 |
| Cost of funding earning assets | 0.9580% | 1,119 |
| Net interest margin | 3.7175% | 2,103 |
| Noninterest income to average assets | 0.8207% | 1,376 |
| Noninterest expense to average assets | 2.5328% | 2,871 |
| Loan and lease loss provision to assets | 0.4846% | 757 |
| Net operating income to assets | 0.8734% | 2,795 |
| Return on assets (ROA) | 0.8834% | 2,875 |
| Pretax return on assets | 1.1974% | 2,373 |
| Return on Equity (ROE) | 7.2195% | 3,048 |
| Retained earnings to average equity (ytd only) | 1.9390% | 3,786 |
| Net charge-offs to loans | 0.1143% | 1,159 |
| Credit loss provision to net charge-offs | 538.0201% | 1,174 |
| Earnings coverage of net charge-offs (x) | 18.5337% | 1,759 |
| Efficiency ratio | 57.8203% | 3,716 |
| Assets per employee ($millions) | 6.0409% | 2,150 |
| Cash dividends to net income (ytd only)* | 73.1422% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 3,381 |
| Loan loss allowance to noncurrent loans | 80.2364% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.0803% | 1,062 |
| Noncurrent loans to loans | 1.2920% | 1,204 |
| Net loans and leases to total assets | 79.4504% | 663 |
| Net loans and leases to deposits | 100.0549% | 550 |
| Net loans and leases to core deposits | 105.5127% | 909 |
| Total domestic deposits to total assets | 79.4069% | 3,954 |
| Equity capital to assets | 11.8998% | 1,727 |
| Core capital (leverage) ratio | 9.9066% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0439% | 2,159 |
| Memoranda: | ||
| Average total assets | $1,547,671,000 | 576 |
| Average earning assets | $1,407,767,000 | 575 |
| Average equity | $189,375,333 | 521 |
| Average total loans | $1,219,185,333 | 521 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 1,117 |
| Cost of funding earning assets | 1.0717% | 1,133 |
| Net interest margin | 3.8583% | 1,800 |
| Noninterest income to average assets | 0.6790% | 1,735 |
| Noninterest expense to average assets | 2.5243% | 3,197 |
| Loan and lease loss provision to assets | 0.5270% | 555 |
| Net operating income to assets | 0.8335% | 2,779 |
| Return on assets (ROA) | 0.8487% | 2,809 |
| Pretax return on assets | 1.1457% | 2,378 |
| Return on Equity (ROE) | 6.8367% | 3,013 |
| Retained earnings to average equity (ytd only) | 1.5303% | 3,593 |
| Net charge-offs to loans | 0.1639% | 803 |
| Credit loss provision to net charge-offs | 412.3711% | 982 |
| Earnings coverage of net charge-offs (x) | 12.9381% | 1,675 |
| Efficiency ratio | 57.9060% | 4,012 |
| Assets per employee ($millions) | 5.6157% | 2,009 |
| Cash dividends to net income (ytd only)* | 77.6156% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,722 |
| Loan loss allowance to noncurrent loans | 66.6385% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.2739% | 932 |
| Noncurrent loans to loans | 1.4997% | 1,068 |
| Net loans and leases to total assets | 77.9002% | 998 |
| Net loans and leases to deposits | 99.0728% | 620 |
| Net loans and leases to core deposits | 107.0446% | 994 |
| Total domestic deposits to total assets | 78.6293% | 4,114 |
| Equity capital to assets | 12.5126% | 1,718 |
| Core capital (leverage) ratio | 10.2588% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5696% | 2,450 |
| Memoranda: | ||
| Average total assets | $1,518,063,500 | 563 |
| Average earning assets | $1,376,550,000 | 564 |
| Average equity | $188,454,500 | 523 |
| Average total loans | $1,183,752,500 | 516 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7987% | 2,044 |
| Cost of funding earning assets | 1.1792% | 1,072 |
| Net interest margin | 3.6195% | 3,080 |
| Noninterest income to average assets | 0.9197% | 1,146 |
| Noninterest expense to average assets | 2.8364% | 2,485 |
| Loan and lease loss provision to assets | 0.2536% | 714 |
| Net operating income to assets | 0.8602% | 3,355 |
| Return on assets (ROA) | 0.8757% | 3,385 |
| Pretax return on assets | 1.1390% | 3,044 |
| Return on Equity (ROE) | 7.1108% | 3,517 |
| Retained earnings to average equity (ytd only) | 5.1535% | 2,333 |
| Net charge-offs to loans | 0.0756% | 2,012 |
| Credit loss provision to net charge-offs | 435.7231% | 657 |
| Earnings coverage of net charge-offs (x) | 23.5871% | 1,812 |
| Efficiency ratio | 64.9117% | 2,948 |
| Assets per employee ($millions) | 5.6085% | 1,967 |
| Cash dividends to net income (ytd only)* | 27.5267% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8722% | 4,074 |
| Loan loss allowance to noncurrent loans | 56.4922% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.2864% | 867 |
| Noncurrent loans to loans | 1.5439% | 927 |
| Net loans and leases to total assets | 76.6071% | 1,308 |
| Net loans and leases to deposits | 97.4945% | 795 |
| Net loans and leases to core deposits | 106.0679% | 1,104 |
| Total domestic deposits to total assets | 78.5758% | 4,260 |
| Equity capital to assets | 12.3173% | 1,942 |
| Core capital (leverage) ratio | 10.3733% | 3,100 |
| Tier 1 risk-based capital ratio | 12.2217% | 4,232 |
| Total risk-based capital ratio | 13.0626% | 4,342 |
| Memoranda: | ||
| Average total assets | $1,389,754,800 | 587 |
| Average earning assets | $1,263,143,600 | 586 |
| Average equity | $171,147,200 | 538 |
| Average total loans | $1,069,867,600 | 540 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 2,103 |
| Cost of funding earning assets | 1.2018% | 1,037 |
| Net interest margin | 3.6035% | 3,236 |
| Noninterest income to average assets | 0.9515% | 1,039 |
| Noninterest expense to average assets | 2.9200% | 2,197 |
| Loan and lease loss provision to assets | 0.2092% | 838 |
| Net operating income to assets | 0.8185% | 3,609 |
| Return on assets (ROA) | 0.8304% | 3,657 |
| Pretax return on assets | 1.1149% | 3,259 |
| Return on Equity (ROE) | 6.7430% | 3,796 |
| Retained earnings to average equity (ytd only) | 6.0635% | 2,341 |
| Net charge-offs to loans | 0.0707% | 1,814 |
| Credit loss provision to net charge-offs | 384.9638% | 789 |
| Earnings coverage of net charge-offs (x) | 24.0924% | 1,809 |
| Efficiency ratio | 66.6093% | 2,649 |
| Assets per employee ($millions) | 5.4439% | 2,083 |
| Cash dividends to net income (ytd only)* | 10.0771% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 4,374 |
| Loan loss allowance to noncurrent loans | 45.6091% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.4552% | 784 |
| Noncurrent loans to loans | 1.7843% | 803 |
| Net loans and leases to total assets | 75.8128% | 1,521 |
| Net loans and leases to deposits | 95.8731% | 1,029 |
| Net loans and leases to core deposits | 105.8008% | 1,196 |
| Total domestic deposits to total assets | 79.0763% | 4,174 |
| Equity capital to assets | 12.7434% | 1,758 |
| Core capital (leverage) ratio | 10.2388% | 3,376 |
| Tier 1 risk-based capital ratio | 12.7265% | 4,011 |
| Total risk-based capital ratio | 13.5162% | 4,154 |
| Memoranda: | ||
| Average total assets | $1,354,411,250 | 601 |
| Average earning assets | $1,231,913,000 | 602 |
| Average equity | $166,785,500 | 555 |
| Average total loans | $1,041,516,250 | 554 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 2,339 |
| Cost of funding earning assets | 1.1864% | 1,029 |
| Net interest margin | 3.5204% | 3,530 |
| Noninterest income to average assets | 1.0157% | 852 |
| Noninterest expense to average assets | 2.6635% | 3,022 |
| Loan and lease loss provision to assets | 0.2359% | 674 |
| Net operating income to assets | 0.9831% | 2,982 |
| Return on assets (ROA) | 0.9897% | 3,029 |
| Pretax return on assets | 1.3283% | 2,445 |
| Return on Equity (ROE) | 8.1434% | 3,228 |
| Retained earnings to average equity (ytd only) | 7.0789% | 1,769 |
| Net charge-offs to loans | 0.0780% | 1,583 |
| Credit loss provision to net charge-offs | 392.4051% | 730 |
| Earnings coverage of net charge-offs (x) | 25.8810% | 1,582 |
| Efficiency ratio | 60.7921% | 3,615 |
| Assets per employee ($millions) | 5.6026% | 1,869 |
| Cash dividends to net income (ytd only)* | 13.0709% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 4,247 |
| Loan loss allowance to noncurrent loans | 60.4402% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.1934% | 1,110 |
| Noncurrent loans to loans | 1.4174% | 1,092 |
| Net loans and leases to total assets | 76.3409% | 1,499 |
| Net loans and leases to deposits | 99.4094% | 718 |
| Net loans and leases to core deposits | 110.3290% | 958 |
| Total domestic deposits to total assets | 76.7944% | 4,585 |
| Equity capital to assets | 12.3431% | 1,945 |
| Core capital (leverage) ratio | 9.7126% | 3,921 |
| Tier 1 risk-based capital ratio | 12.2378% | 4,276 |
| Total risk-based capital ratio | 13.0909% | 4,388 |
| Memoranda: | ||
| Average total assets | $1,314,116,670 | 614 |
| Average earning assets | $1,195,894,330 | 614 |
| Average equity | $159,713,000 | 575 |
| Average total loans | $1,012,808,330 | 567 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 2,442 |
| Cost of funding earning assets | 1.0945% | 1,202 |
| Net interest margin | 3.5334% | 3,488 |
| Noninterest income to average assets | 0.5801% | 2,141 |
| Noninterest expense to average assets | 2.6985% | 2,909 |
| Loan and lease loss provision to assets | 0.3748% | 309 |
| Net operating income to assets | 0.5459% | 4,391 |
| Return on assets (ROA) | 0.5541% | 4,403 |
| Pretax return on assets | 0.7325% | 4,219 |
| Return on Equity (ROE) | 4.5958% | 4,446 |
| Retained earnings to average equity (ytd only) | 4.5958% | 3,084 |
| Net charge-offs to loans | 0.0484% | 1,589 |
| Credit loss provision to net charge-offs | 1,004.0984% | 359 |
| Earnings coverage of net charge-offs (x) | 29.3852% | 1,348 |
| Efficiency ratio | 68.5666% | 2,553 |
| Assets per employee ($millions) | 5.4811% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 4,335 |
| Loan loss allowance to noncurrent loans | 75.1640% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.0295% | 1,358 |
| Noncurrent loans to loans | 1.1347% | 1,470 |
| Net loans and leases to total assets | 76.3099% | 1,429 |
| Net loans and leases to deposits | 97.7717% | 803 |
| Net loans and leases to core deposits | 105.9195% | 1,179 |
| Total domestic deposits to total assets | 78.0491% | 4,508 |
| Equity capital to assets | 12.0077% | 2,015 |
| Core capital (leverage) ratio | 9.5824% | 4,042 |
| Tier 1 risk-based capital ratio | 11.8794% | 4,526 |
| Total risk-based capital ratio | 12.7317% | 4,648 |
| Memoranda: | ||
| Average total assets | $1,307,262,500 | 620 |
| Average earning assets | $1,189,555,000 | 619 |
| Average equity | $157,622,000 | 580 |
| Average total loans | $1,007,996,500 | 569 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5220% | 2,395 |
| Cost of funding earning assets | 0.8479% | 1,316 |
| Net interest margin | 3.6741% | 3,143 |
| Noninterest income to average assets | 0.6164% | 2,209 |
| Noninterest expense to average assets | 2.8547% | 2,505 |
| Loan and lease loss provision to assets | 0.2099% | 888 |
| Net operating income to assets | 0.6721% | 4,227 |
| Return on assets (ROA) | 0.6708% | 4,241 |
| Pretax return on assets | 0.9363% | 3,797 |
| Return on Equity (ROE) | 6.1811% | 4,120 |
| Retained earnings to average equity (ytd only) | 6.1811% | 2,103 |
| Net charge-offs to loans | 0.0509% | 2,425 |
| Credit loss provision to net charge-offs | 530.8642% | 657 |
| Earnings coverage of net charge-offs (x) | 29.0321% | 1,634 |
| Efficiency ratio | 69.4797% | 2,289 |
| Assets per employee ($millions) | 5.0513% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7642% | 4,637 |
| Loan loss allowance to noncurrent loans | 94.0042% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.8238% | 1,698 |
| Noncurrent loans to loans | 0.8129% | 1,979 |
| Net loans and leases to total assets | 76.6624% | 1,495 |
| Net loans and leases to deposits | 97.0878% | 965 |
| Net loans and leases to core deposits | 106.9973% | 1,198 |
| Total domestic deposits to total assets | 78.9619% | 4,320 |
| Equity capital to assets | 12.1086% | 1,817 |
| Core capital (leverage) ratio | 9.7159% | 3,890 |
| Tier 1 risk-based capital ratio | 11.9479% | 4,458 |
| Total risk-based capital ratio | 12.7115% | 4,647 |
| Memoranda: | ||
| Average total assets | $1,024,307,200 | 747 |
| Average earning assets | $944,049,000 | 743 |
| Average equity | $111,161,200 | 770 |
| Average total loans | $794,971,600 | 705 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 2,482 |
| Cost of funding earning assets | 0.8095% | 1,291 |
| Net interest margin | 3.6346% | 3,254 |
| Noninterest income to average assets | 0.5751% | 2,451 |
| Noninterest expense to average assets | 2.8562% | 2,442 |
| Loan and lease loss provision to assets | 0.1669% | 1,128 |
| Net operating income to assets | 0.6438% | 4,384 |
| Return on assets (ROA) | 0.6419% | 4,398 |
| Pretax return on assets | 0.9158% | 3,959 |
| Return on Equity (ROE) | 6.1544% | 4,220 |
| Retained earnings to average equity (ytd only) | 6.1544% | 2,578 |
| Net charge-offs to loans | 0.0555% | 2,026 |
| Credit loss provision to net charge-offs | 387.0968% | 842 |
| Earnings coverage of net charge-offs (x) | 25.1615% | 1,786 |
| Efficiency ratio | 70.9001% | 2,053 |
| Assets per employee ($millions) | 4.6225% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 4,317 |
| Loan loss allowance to noncurrent loans | 81.0376% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.1356% | 1,254 |
| Noncurrent loans to loans | 1.0940% | 1,557 |
| Net loans and leases to total assets | 77.3492% | 1,440 |
| Net loans and leases to deposits | 93.4969% | 1,434 |
| Net loans and leases to core deposits | 103.7024% | 1,475 |
| Total domestic deposits to total assets | 82.7292% | 3,395 |
| Equity capital to assets | 10.4163% | 3,221 |
| Core capital (leverage) ratio | 9.1888% | 4,522 |
| Tier 1 risk-based capital ratio | 12.1541% | 4,408 |
| Total risk-based capital ratio | 13.0751% | 4,475 |
| Memoranda: | ||
| Average total assets | $958,361,750 | 798 |
| Average earning assets | $887,590,750 | 795 |
| Average equity | $99,959,000 | 843 |
| Average total loans | $744,943,500 | 738 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 2,549 |
| Cost of funding earning assets | 0.7739% | 1,264 |
| Net interest margin | 3.5848% | 3,372 |
| Noninterest income to average assets | 0.5204% | 2,749 |
| Noninterest expense to average assets | 2.8416% | 2,528 |
| Loan and lease loss provision to assets | 0.1574% | 1,193 |
| Net operating income to assets | 0.6171% | 4,441 |
| Return on assets (ROA) | 0.6143% | 4,457 |
| Pretax return on assets | 0.8319% | 4,156 |
| Return on Equity (ROE) | 5.8865% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.8865% | 2,615 |
| Net charge-offs to loans | 0.0408% | 2,043 |
| Credit loss provision to net charge-offs | 496.6887% | 718 |
| Earnings coverage of net charge-offs (x) | 31.3245% | 1,462 |
| Efficiency ratio | 72.4844% | 1,921 |
| Assets per employee ($millions) | 4.3722% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8465% | 4,562 |
| Loan loss allowance to noncurrent loans | 88.0196% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.2990% | 1,090 |
| Noncurrent loans to loans | 0.9618% | 1,803 |
| Net loans and leases to total assets | 77.5809% | 1,382 |
| Net loans and leases to deposits | 93.0612% | 1,465 |
| Net loans and leases to core deposits | 102.9698% | 1,487 |
| Total domestic deposits to total assets | 83.3655% | 3,301 |
| Equity capital to assets | 10.2915% | 3,346 |
| Core capital (leverage) ratio | 9.3481% | 4,303 |
| Tier 1 risk-based capital ratio | 11.9064% | 4,560 |
| Total risk-based capital ratio | 12.7892% | 4,661 |
| Memoranda: | ||
| Average total assets | $952,703,000 | 800 |
| Average earning assets | $880,774,000 | 801 |
| Average equity | $99,414,000 | 850 |
| Average total loans | $739,536,670 | 749 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 2,450 |
| Cost of funding earning assets | 0.7196% | 1,343 |
| Net interest margin | 3.6000% | 3,182 |
| Noninterest income to average assets | 0.6037% | 2,240 |
| Noninterest expense to average assets | 2.8336% | 2,592 |
| Loan and lease loss provision to assets | 0.0425% | 2,910 |
| Net operating income to assets | 0.7671% | 3,842 |
| Return on assets (ROA) | 0.7600% | 3,872 |
| Pretax return on assets | 1.0404% | 3,393 |
| Return on Equity (ROE) | 7.2319% | 3,687 |
| Retained earnings to average equity (ytd only) | 7.2319% | 2,171 |
| Net charge-offs to loans | 0.0396% | 1,743 |
| Credit loss provision to net charge-offs | 138.8889% | 1,279 |
| Earnings coverage of net charge-offs (x) | 35.6944% | 1,129 |
| Efficiency ratio | 70.5844% | 2,407 |
| Assets per employee ($millions) | 4.3737% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8146% | 4,749 |
| Loan loss allowance to noncurrent loans | 84.9740% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.4828% | 945 |
| Noncurrent loans to loans | 0.9587% | 1,906 |
| Net loans and leases to total assets | 76.2235% | 1,504 |
| Net loans and leases to deposits | 95.2143% | 1,105 |
| Net loans and leases to core deposits | 106.1337% | 1,224 |
| Total domestic deposits to total assets | 80.0547% | 4,407 |
| Equity capital to assets | 10.5572% | 3,014 |
| Core capital (leverage) ratio | 9.3460% | 4,260 |
| Tier 1 risk-based capital ratio | 12.3950% | 4,310 |
| Total risk-based capital ratio | 13.2463% | 4,443 |
| Memoranda: | ||
| Average total assets | $941,559,000 | 812 |
| Average earning assets | $868,780,500 | 816 |
| Average equity | $98,950,500 | 858 |
| Average total loans | $727,872,500 | 756 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1860% | 2,739 |
| Cost of funding earning assets | 0.7139% | 956 |
| Net interest margin | 3.4721% | 3,616 |
| Noninterest income to average assets | 0.6543% | 2,170 |
| Noninterest expense to average assets | 2.9114% | 2,413 |
| Loan and lease loss provision to assets | 0.0537% | 3,162 |
| Net operating income to assets | 0.5961% | 4,025 |
| Return on assets (ROA) | 0.6029% | 4,033 |
| Pretax return on assets | 0.9319% | 3,800 |
| Return on Equity (ROE) | 5.7341% | 3,860 |
| Retained earnings to average equity (ytd only) | -9.4967% | 5,523 |
| Net charge-offs to loans | 0.0776% | 2,340 |
| Credit loss provision to net charge-offs | 87.8407% | 2,824 |
| Earnings coverage of net charge-offs (x) | 15.9560% | 2,211 |
| Efficiency ratio | 73.8586% | 1,913 |
| Assets per employee ($millions) | 4.5989% | 3,034 |
| Cash dividends to net income (ytd only)* | 265.6184% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 4,835 |
| Loan loss allowance to noncurrent loans | 82.2547% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.4976% | 917 |
| Noncurrent loans to loans | 0.9716% | 1,820 |
| Net loans and leases to total assets | 77.1379% | 1,404 |
| Net loans and leases to deposits | 97.3744% | 955 |
| Net loans and leases to core deposits | 105.6878% | 1,282 |
| Total domestic deposits to total assets | 79.2178% | 4,497 |
| Equity capital to assets | 10.4613% | 3,203 |
| Core capital (leverage) ratio | 9.2478% | 4,350 |
| Tier 1 risk-based capital ratio | 12.4695% | 4,222 |
| Total risk-based capital ratio | 13.3329% | 4,363 |
| Memoranda: | ||
| Average total assets | $780,517,800 | 953 |
| Average earning assets | $726,585,400 | 949 |
| Average equity | $82,070,400 | 987 |
| Average total loans | $614,569,800 | 853 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 3,193 |
| Cost of funding earning assets | 0.7182% | 892 |
| Net interest margin | 3.3280% | 4,083 |
| Noninterest income to average assets | 0.6054% | 2,448 |
| Noninterest expense to average assets | 2.9194% | 2,339 |
| Loan and lease loss provision to assets | 0.0575% | 2,936 |
| Net operating income to assets | 0.4948% | 4,741 |
| Return on assets (ROA) | 0.5047% | 4,748 |
| Pretax return on assets | 0.7517% | 4,480 |
| Return on Equity (ROE) | 4.7921% | 4,605 |
| Retained earnings to average equity (ytd only) | -16.5937% | 5,669 |
| Net charge-offs to loans | 0.0670% | 2,165 |
| Credit loss provision to net charge-offs | 108.5034% | 2,161 |
| Earnings coverage of net charge-offs (x) | 14.9966% | 2,260 |
| Efficiency ratio | 77.7837% | 1,356 |
| Assets per employee ($millions) | 4.8424% | 2,640 |
| Cash dividends to net income (ytd only)* | 446.2696% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 4,866 |
| Loan loss allowance to noncurrent loans | 73.9055% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.5593% | 960 |
| Noncurrent loans to loans | 1.0937% | 1,763 |
| Net loans and leases to total assets | 77.6222% | 1,328 |
| Net loans and leases to deposits | 97.4300% | 973 |
| Net loans and leases to core deposits | 106.4988% | 1,239 |
| Total domestic deposits to total assets | 79.6697% | 4,400 |
| Equity capital to assets | 10.3367% | 3,551 |
| Core capital (leverage) ratio | 9.2716% | 4,439 |
| Tier 1 risk-based capital ratio | 12.3972% | 4,382 |
| Total risk-based capital ratio | 13.2852% | 4,481 |
| Memoranda: | ||
| Average total assets | $739,953,000 | 998 |
| Average earning assets | $691,138,500 | 989 |
| Average equity | $77,931,250 | 1,038 |
| Average total loans | $584,938,000 | 882 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 2,587 |
| Cost of funding earning assets | 0.7624% | 646 |
| Net interest margin | 3.4064% | 3,751 |
| Noninterest income to average assets | 0.6863% | 2,052 |
| Noninterest expense to average assets | 2.7253% | 2,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7570% | 3,602 |
| Return on assets (ROA) | 0.7570% | 3,654 |
| Pretax return on assets | 1.1603% | 2,933 |
| Return on Equity (ROE) | 7.1261% | 3,480 |
| Retained earnings to average equity (ytd only) | 0.1370% | 5,040 |
| Net charge-offs to loans | 0.0602% | 2,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 24.2671% | 1,649 |
| Efficiency ratio | 69.5582% | 2,755 |
| Assets per employee ($millions) | 4.6540% | 2,857 |
| Cash dividends to net income (ytd only)* | 98.0777% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,553 |
| Loan loss allowance to noncurrent loans | 85.7058% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.0963% | 1,593 |
| Noncurrent loans to loans | 1.2906% | 1,490 |
| Net loans and leases to total assets | 77.3260% | 1,341 |
| Net loans and leases to deposits | 98.3156% | 866 |
| Net loans and leases to core deposits | 107.2504% | 1,145 |
| Total domestic deposits to total assets | 78.6508% | 4,698 |
| Equity capital to assets | 10.8918% | 2,935 |
| Core capital (leverage) ratio | 10.2980% | 3,146 |
| Tier 1 risk-based capital ratio | 14.1807% | 3,321 |
| Total risk-based capital ratio | 15.3924% | 3,262 |
| Memoranda: | ||
| Average total assets | $673,465,000 | 1,087 |
| Average earning assets | $632,508,330 | 1,071 |
| Average equity | $71,540,000 | 1,115 |
| Average total loans | $534,871,330 | 963 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 2,573 |
| Cost of funding earning assets | 0.7627% | 608 |
| Net interest margin | 3.3603% | 3,797 |
| Noninterest income to average assets | 0.7115% | 1,913 |
| Noninterest expense to average assets | 2.7551% | 2,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7257% | 3,591 |
| Return on assets (ROA) | 0.7257% | 3,640 |
| Pretax return on assets | 1.1095% | 2,941 |
| Return on Equity (ROE) | 6.9175% | 3,436 |
| Retained earnings to average equity (ytd only) | -7.1539% | 5,495 |
| Net charge-offs to loans | 0.0605% | 1,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 22.9146% | 1,405 |
| Efficiency ratio | 70.7105% | 2,789 |
| Assets per employee ($millions) | 4.3406% | 3,435 |
| Cash dividends to net income (ytd only)* | 203.4174% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,756 |
| Loan loss allowance to noncurrent loans | 91.9912% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.0458% | 1,730 |
| Noncurrent loans to loans | 1.1858% | 1,706 |
| Net loans and leases to total assets | 79.1511% | 958 |
| Net loans and leases to deposits | 98.7252% | 705 |
| Net loans and leases to core deposits | 108.8459% | 929 |
| Total domestic deposits to total assets | 80.1732% | 4,585 |
| Equity capital to assets | 10.5674% | 3,110 |
| Core capital (leverage) ratio | 9.8292% | 3,721 |
| Tier 1 risk-based capital ratio | 13.6081% | 3,715 |
| Total risk-based capital ratio | 14.8113% | 3,654 |
| Memoranda: | ||
| Average total assets | $677,433,500 | 1,082 |
| Average earning assets | $635,654,500 | 1,067 |
| Average equity | $71,066,000 | 1,119 |
| Average total loans | $542,116,000 | 944 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 2,342 |
| Cost of funding earning assets | 0.8081% | 480 |
| Net interest margin | 3.4338% | 3,692 |
| Noninterest income to average assets | 0.6270% | 2,520 |
| Noninterest expense to average assets | 3.2025% | 1,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4509% | 4,795 |
| Return on assets (ROA) | 0.4602% | 4,849 |
| Pretax return on assets | 0.6914% | 4,519 |
| Return on Equity (ROE) | 4.4294% | 4,692 |
| Retained earnings to average equity (ytd only) | -0.5722% | 5,393 |
| Net charge-offs to loans | 0.0996% | 2,283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 8.5057% | 2,864 |
| Efficiency ratio | 81.9881% | 1,199 |
| Assets per employee ($millions) | 4.2634% | 3,502 |
| Cash dividends to net income (ytd only)* | 112.9171% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 3,846 |
| Loan loss allowance to noncurrent loans | 89.0578% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 1,774 |
| Noncurrent loans to loans | 1.2095% | 1,704 |
| Net loans and leases to total assets | 79.1639% | 1,013 |
| Net loans and leases to deposits | 100.9124% | 610 |
| Net loans and leases to core deposits | 108.9667% | 963 |
| Total domestic deposits to total assets | 78.4481% | 4,901 |
| Equity capital to assets | 10.4156% | 3,251 |
| Core capital (leverage) ratio | 9.7881% | 3,762 |
| Tier 1 risk-based capital ratio | 13.5271% | 3,754 |
| Total risk-based capital ratio | 14.7148% | 3,687 |
| Memoranda: | ||
| Average total assets | $657,771,600 | 1,082 |
| Average earning assets | $623,158,800 | 1,047 |
| Average equity | $68,338,600 | 1,143 |
| Average total loans | $526,033,200 | 937 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1995% | 2,515 |
| Cost of funding earning assets | 0.8075% | 487 |
| Net interest margin | 3.3920% | 3,876 |
| Noninterest income to average assets | 0.5871% | 2,726 |
| Noninterest expense to average assets | 3.0437% | 2,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5017% | 4,694 |
| Return on assets (ROA) | 0.5102% | 4,760 |
| Pretax return on assets | 0.7780% | 4,383 |
| Return on Equity (ROE) | 4.9690% | 4,528 |
| Retained earnings to average equity (ytd only) | -1.8519% | 5,586 |
| Net charge-offs to loans | 0.0956% | 1,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 10.0107% | 2,621 |
| Efficiency ratio | 79.3899% | 1,512 |
| Assets per employee ($millions) | 3.9329% | 4,075 |
| Cash dividends to net income (ytd only)* | 137.2690% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 4,093 |
| Loan loss allowance to noncurrent loans | 169.9244% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.6171% | 3,059 |
| Noncurrent loans to loans | 0.6215% | 3,151 |
| Net loans and leases to total assets | 81.6705% | 664 |
| Net loans and leases to deposits | 101.2957% | 621 |
| Net loans and leases to core deposits | 108.8281% | 999 |
| Total domestic deposits to total assets | 80.6259% | 4,349 |
| Equity capital to assets | 10.3001% | 3,806 |
| Core capital (leverage) ratio | 9.2728% | 4,499 |
| Tier 1 risk-based capital ratio | 12.7997% | 4,278 |
| Total risk-based capital ratio | 13.9782% | 4,237 |
| Memoranda: | ||
| Average total assets | $650,677,250 | 1,092 |
| Average earning assets | $618,026,750 | 1,052 |
| Average equity | $66,812,750 | 1,184 |
| Average total loans | $520,214,250 | 940 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 3,057 |
| Cost of funding earning assets | 0.7817% | 539 |
| Net interest margin | 3.2700% | 4,326 |
| Noninterest income to average assets | 0.5570% | 2,866 |
| Noninterest expense to average assets | 2.7996% | 3,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5589% | 4,448 |
| Return on assets (ROA) | 0.5683% | 4,530 |
| Pretax return on assets | 0.8830% | 4,016 |
| Return on Equity (ROE) | 5.5413% | 4,269 |
| Retained earnings to average equity (ytd only) | 3.0100% | 4,001 |
| Net charge-offs to loans | 0.0817% | 2,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 13.4585% | 2,125 |
| Efficiency ratio | 75.8816% | 2,100 |
| Assets per employee ($millions) | 3.9082% | 4,080 |
| Cash dividends to net income (ytd only)* | 45.6811% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 4,137 |
| Loan loss allowance to noncurrent loans | 148.2996% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 2,889 |
| Noncurrent loans to loans | 0.7183% | 2,933 |
| Net loans and leases to total assets | 80.1097% | 881 |
| Net loans and leases to deposits | 98.8050% | 807 |
| Net loans and leases to core deposits | 108.7487% | 999 |
| Total domestic deposits to total assets | 81.0785% | 4,249 |
| Equity capital to assets | 10.2031% | 3,972 |
| Core capital (leverage) ratio | 9.1924% | 4,608 |
| Tier 1 risk-based capital ratio | 13.0285% | 4,187 |
| Total risk-based capital ratio | 14.2250% | 4,128 |
| Memoranda: | ||
| Average total assets | $635,526,330 | 1,114 |
| Average earning assets | $604,582,670 | 1,079 |
| Average equity | $65,183,000 | 1,208 |
| Average total loans | $502,085,330 | 976 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 2,945 |
| Cost of funding earning assets | 0.7886% | 518 |
| Net interest margin | 3.2869% | 4,272 |
| Noninterest income to average assets | 0.5529% | 2,788 |
| Noninterest expense to average assets | 2.9294% | 2,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4977% | 4,637 |
| Return on assets (ROA) | 0.4995% | 4,729 |
| Pretax return on assets | 0.7645% | 4,326 |
| Return on Equity (ROE) | 4.8547% | 4,553 |
| Retained earnings to average equity (ytd only) | -0.5650% | 5,213 |
| Net charge-offs to loans | 0.1199% | 1,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.1667% | 2,081 |
| Efficiency ratio | 78.9782% | 1,753 |
| Assets per employee ($millions) | 4.0939% | 3,781 |
| Cash dividends to net income (ytd only)* | 111.6373% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 2,664 |
| Loan loss allowance to noncurrent loans | 426.4547% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 4,095 |
| Noncurrent loans to loans | 0.3164% | 4,298 |
| Net loans and leases to total assets | 76.5816% | 1,311 |
| Net loans and leases to deposits | 97.0555% | 838 |
| Net loans and leases to core deposits | 107.3279% | 1,004 |
| Total domestic deposits to total assets | 78.9050% | 4,987 |
| Equity capital to assets | 10.1675% | 3,879 |
| Core capital (leverage) ratio | 10.1937% | 3,321 |
| Tier 1 risk-based capital ratio | 14.7051% | 3,283 |
| Total risk-based capital ratio | 15.9586% | 3,227 |
| Memoranda: | ||
| Average total assets | $591,785,000 | 1,194 |
| Average earning assets | $565,033,000 | 1,148 |
| Average equity | $60,890,000 | 1,284 |
| Average total loans | $460,410,000 | 1,045 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 2,697 |
| Cost of funding earning assets | 0.8113% | 465 |
| Net interest margin | 3.3522% | 4,104 |
| Noninterest income to average assets | 0.6475% | 2,470 |
| Noninterest expense to average assets | 2.9899% | 2,583 |
| Loan and lease loss provision to assets | 0.0864% | 2,566 |
| Net operating income to assets | 0.4929% | 4,720 |
| Return on assets (ROA) | 0.4993% | 4,792 |
| Pretax return on assets | 0.7778% | 4,268 |
| Return on Equity (ROE) | 4.8443% | 4,583 |
| Retained earnings to average equity (ytd only) | 3.7875% | 3,338 |
| Net charge-offs to loans | 0.1321% | 2,049 |
| Credit loss provision to net charge-offs | 82.3920% | 2,907 |
| Earnings coverage of net charge-offs (x) | 8.1412% | 2,992 |
| Efficiency ratio | 77.5209% | 2,048 |
| Assets per employee ($millions) | 4.1854% | 3,595 |
| Cash dividends to net income (ytd only)* | 21.8150% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 2,327 |
| Loan loss allowance to noncurrent loans | 397.5926% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 3,978 |
| Noncurrent loans to loans | 0.3571% | 4,173 |
| Net loans and leases to total assets | 76.8702% | 1,272 |
| Net loans and leases to deposits | 97.6349% | 849 |
| Net loans and leases to core deposits | 113.3021% | 716 |
| Total domestic deposits to total assets | 78.7323% | 5,026 |
| Equity capital to assets | 10.4151% | 3,466 |
| Core capital (leverage) ratio | 10.4639% | 2,967 |
| Tier 1 risk-based capital ratio | 15.3598% | 3,011 |
| Total risk-based capital ratio | 16.6143% | 2,942 |
| Memoranda: | ||
| Average total assets | $573,762,400 | 1,190 |
| Average earning assets | $547,130,200 | 1,153 |
| Average equity | $59,141,200 | 1,275 |
| Average total loans | $455,860,400 | 1,009 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 2,646 |
| Cost of funding earning assets | 0.8121% | 459 |
| Net interest margin | 3.3683% | 4,085 |
| Noninterest income to average assets | 0.6361% | 2,549 |
| Noninterest expense to average assets | 3.0474% | 2,375 |
| Loan and lease loss provision to assets | 0.0982% | 2,213 |
| Net operating income to assets | 0.4503% | 4,970 |
| Return on assets (ROA) | 0.4589% | 5,034 |
| Pretax return on assets | 0.7154% | 4,631 |
| Return on Equity (ROE) | 4.4641% | 4,848 |
| Retained earnings to average equity (ytd only) | 3.0464% | 4,273 |
| Net charge-offs to loans | 0.1379% | 1,745 |
| Credit loss provision to net charge-offs | 89.1949% | 2,483 |
| Earnings coverage of net charge-offs (x) | 7.2690% | 2,936 |
| Efficiency ratio | 78.9442% | 1,815 |
| Assets per employee ($millions) | 3.9466% | 3,982 |
| Cash dividends to net income (ytd only)* | 31.7581% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 2,411 |
| Loan loss allowance to noncurrent loans | 532.0229% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 4,351 |
| Noncurrent loans to loans | 0.2706% | 4,605 |
| Net loans and leases to total assets | 76.6639% | 1,296 |
| Net loans and leases to deposits | 97.3070% | 878 |
| Net loans and leases to core deposits | 115.5997% | 608 |
| Total domestic deposits to total assets | 78.7856% | 5,028 |
| Equity capital to assets | 10.3179% | 3,791 |
| Core capital (leverage) ratio | 10.4204% | 3,142 |
| Tier 1 risk-based capital ratio | 15.2648% | 3,158 |
| Total risk-based capital ratio | 16.5199% | 3,093 |
| Memoranda: | ||
| Average total assets | $571,760,500 | 1,199 |
| Average earning assets | $545,104,500 | 1,159 |
| Average equity | $58,778,500 | 1,290 |
| Average total loans | $456,413,250 | 1,015 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 2,585 |
| Cost of funding earning assets | 0.8132% | 460 |
| Net interest margin | 3.3750% | 3,985 |
| Noninterest income to average assets | 0.6169% | 2,641 |
| Noninterest expense to average assets | 3.0568% | 2,377 |
| Loan and lease loss provision to assets | 0.1055% | 2,068 |
| Net operating income to assets | 0.4272% | 5,048 |
| Return on assets (ROA) | 0.4404% | 5,099 |
| Pretax return on assets | 0.6893% | 4,690 |
| Return on Equity (ROE) | 4.2897% | 4,905 |
| Retained earnings to average equity (ytd only) | 2.1500% | 4,631 |
| Net charge-offs to loans | 0.1244% | 1,762 |
| Credit loss provision to net charge-offs | 105.2632% | 1,978 |
| Earnings coverage of net charge-offs (x) | 7.7263% | 2,642 |
| Efficiency ratio | 79.5375% | 1,826 |
| Assets per employee ($millions) | 3.7476% | 4,330 |
| Cash dividends to net income (ytd only)* | 49.8803% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 2,602 |
| Loan loss allowance to noncurrent loans | 395.3012% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 4,119 |
| Noncurrent loans to loans | 0.3624% | 4,412 |
| Net loans and leases to total assets | 79.7972% | 829 |
| Net loans and leases to deposits | 98.7485% | 733 |
| Net loans and leases to core deposits | 113.4443% | 692 |
| Total domestic deposits to total assets | 80.8085% | 4,665 |
| Equity capital to assets | 10.3474% | 3,622 |
| Core capital (leverage) ratio | 10.4310% | 3,048 |
| Tier 1 risk-based capital ratio | 15.2450% | 3,228 |
| Total risk-based capital ratio | 16.5004% | 3,159 |
| Memoranda: | ||
| Average total assets | $568,964,670 | 1,207 |
| Average earning assets | $541,813,670 | 1,168 |
| Average equity | $58,418,330 | 1,303 |
| Average total loans | $458,131,000 | 1,014 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 2,434 |
| Cost of funding earning assets | 0.8156% | 460 |
| Net interest margin | 3.3901% | 3,883 |
| Noninterest income to average assets | 0.6219% | 2,540 |
| Noninterest expense to average assets | 3.0913% | 2,299 |
| Loan and lease loss provision to assets | 0.1052% | 1,951 |
| Net operating income to assets | 0.4134% | 5,020 |
| Return on assets (ROA) | 0.4340% | 5,054 |
| Pretax return on assets | 0.6836% | 4,641 |
| Return on Equity (ROE) | 4.2433% | 4,877 |
| Retained earnings to average equity (ytd only) | -0.0411% | 5,383 |
| Net charge-offs to loans | 0.1257% | 1,503 |
| Credit loss provision to net charge-offs | 104.1667% | 1,568 |
| Earnings coverage of net charge-offs (x) | 7.4931% | 2,165 |
| Efficiency ratio | 80.0838% | 1,891 |
| Assets per employee ($millions) | 3.7731% | 4,384 |
| Cash dividends to net income (ytd only)* | 100.9693% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 2,712 |
| Loan loss allowance to noncurrent loans | 602.8519% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 4,527 |
| Noncurrent loans to loans | 0.2396% | 4,920 |
| Net loans and leases to total assets | 78.4688% | 863 |
| Net loans and leases to deposits | 98.0008% | 676 |
| Net loans and leases to core deposits | 112.4041% | 630 |
| Total domestic deposits to total assets | 80.0696% | 5,038 |
| Equity capital to assets | 10.2632% | 3,813 |
| Core capital (leverage) ratio | 10.2632% | 3,264 |
| Tier 1 risk-based capital ratio | 15.4524% | 3,170 |
| Total risk-based capital ratio | 16.7083% | 3,106 |
| Memoranda: | ||
| Average total assets | $570,506,500 | 1,209 |
| Average earning assets | $542,881,000 | 1,172 |
| Average equity | $58,350,500 | 1,312 |
| Average total loans | $458,137,000 | 1,014 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 1,909 |
| Cost of funding earning assets | 0.8035% | 638 |
| Net interest margin | 3.6876% | 3,055 |
| Noninterest income to average assets | 0.6628% | 2,490 |
| Noninterest expense to average assets | 3.2150% | 2,174 |
| Loan and lease loss provision to assets | 0.2750% | 781 |
| Net operating income to assets | 0.4239% | 5,136 |
| Return on assets (ROA) | 0.4050% | 5,269 |
| Pretax return on assets | 0.6475% | 4,789 |
| Return on Equity (ROE) | 4.0522% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.5178% | 3,716 |
| Net charge-offs to loans | 0.2806% | 1,546 |
| Credit loss provision to net charge-offs | 120.4209% | 1,992 |
| Earnings coverage of net charge-offs (x) | 4.1684% | 3,718 |
| Efficiency ratio | 76.9096% | 2,366 |
| Assets per employee ($millions) | 3.6857% | 4,557 |
| Cash dividends to net income (ytd only)* | 13.1868% | 4,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 2,879 |
| Loan loss allowance to noncurrent loans | 460.0843% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 4,344 |
| Noncurrent loans to loans | 0.3076% | 4,741 |
| Net loans and leases to total assets | 79.8402% | 756 |
| Net loans and leases to deposits | 100.2616% | 609 |
| Net loans and leases to core deposits | 112.2573% | 684 |
| Total domestic deposits to total assets | 79.6319% | 5,113 |
| Equity capital to assets | 10.1926% | 3,860 |
| Core capital (leverage) ratio | 9.9688% | 3,618 |
| Tier 1 risk-based capital ratio | 14.9665% | 3,503 |
| Total risk-based capital ratio | 16.2223% | 3,435 |
| Memoranda: | ||
| Average total assets | $561,740,800 | 1,180 |
| Average earning assets | $533,811,400 | 1,132 |
| Average equity | $56,142,600 | 1,303 |
| Average total loans | $457,202,000 | 967 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 1,808 |
| Cost of funding earning assets | 0.7959% | 697 |
| Net interest margin | 3.7220% | 2,934 |
| Noninterest income to average assets | 0.6412% | 2,620 |
| Noninterest expense to average assets | 3.2386% | 2,058 |
| Loan and lease loss provision to assets | 0.3123% | 610 |
| Net operating income to assets | 0.3926% | 5,270 |
| Return on assets (ROA) | 0.3671% | 5,447 |
| Pretax return on assets | 0.5852% | 5,067 |
| Return on Equity (ROE) | 3.6915% | 5,282 |
| Retained earnings to average equity (ytd only) | 2.9724% | 4,485 |
| Net charge-offs to loans | 0.3185% | 1,250 |
| Credit loss provision to net charge-offs | 120.2938% | 1,914 |
| Earnings coverage of net charge-offs (x) | 3.6107% | 3,626 |
| Efficiency ratio | 77.3161% | 2,299 |
| Assets per employee ($millions) | 3.6527% | 4,569 |
| Cash dividends to net income (ytd only)* | 19.4805% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 3,261 |
| Loan loss allowance to noncurrent loans | 410.7323% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 4,526 |
| Noncurrent loans to loans | 0.3364% | 4,890 |
| Net loans and leases to total assets | 81.5043% | 559 |
| Net loans and leases to deposits | 103.1723% | 445 |
| Net loans and leases to core deposits | 115.0459% | 547 |
| Total domestic deposits to total assets | 78.9983% | 5,330 |
| Equity capital to assets | 10.0134% | 4,149 |
| Core capital (leverage) ratio | 9.9662% | 3,729 |
| Tier 1 risk-based capital ratio | 14.8821% | 3,659 |
| Total risk-based capital ratio | 16.1377% | 3,592 |
| Memoranda: | ||
| Average total assets | $559,357,000 | 1,195 |
| Average earning assets | $531,213,250 | 1,150 |
| Average equity | $55,621,250 | 1,315 |
| Average total loans | $455,838,750 | 973 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5025% | 1,820 |
| Cost of funding earning assets | 0.7915% | 748 |
| Net interest margin | 3.7111% | 2,915 |
| Noninterest income to average assets | 0.6030% | 2,803 |
| Noninterest expense to average assets | 3.2090% | 2,165 |
| Loan and lease loss provision to assets | 0.3364% | 546 |
| Net operating income to assets | 0.3650% | 5,353 |
| Return on assets (ROA) | 0.3307% | 5,537 |
| Pretax return on assets | 0.5264% | 5,204 |
| Return on Equity (ROE) | 3.3332% | 5,413 |
| Retained earnings to average equity (ytd only) | 2.2451% | 4,763 |
| Net charge-offs to loans | 0.3913% | 1,033 |
| Credit loss provision to net charge-offs | 106.0091% | 1,890 |
| Earnings coverage of net charge-offs (x) | 2.8878% | 3,442 |
| Efficiency ratio | 77.5423% | 2,367 |
| Assets per employee ($millions) | 3.2458% | 5,345 |
| Cash dividends to net income (ytd only)* | 32.6442% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 3,520 |
| Loan loss allowance to noncurrent loans | 458.6107% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 4,577 |
| Noncurrent loans to loans | 0.2974% | 5,128 |
| Net loans and leases to total assets | 81.1581% | 556 |
| Net loans and leases to deposits | 104.1479% | 356 |
| Net loans and leases to core deposits | 113.4201% | 559 |
| Total domestic deposits to total assets | 77.9258% | 5,646 |
| Equity capital to assets | 9.9782% | 4,134 |
| Core capital (leverage) ratio | 10.0820% | 3,496 |
| Tier 1 risk-based capital ratio | 14.9565% | 3,666 |
| Total risk-based capital ratio | 16.2106% | 3,601 |
| Memoranda: | ||
| Average total assets | $555,871,000 | 1,202 |
| Average earning assets | $527,612,330 | 1,156 |
| Average equity | $55,142,330 | 1,315 |
| Average total loans | $450,808,330 | 977 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5054% | 1,797 |
| Cost of funding earning assets | 0.7964% | 761 |
| Net interest margin | 3.7090% | 2,828 |
| Noninterest income to average assets | 0.5288% | 3,198 |
| Noninterest expense to average assets | 3.1606% | 2,349 |
| Loan and lease loss provision to assets | 0.3482% | 510 |
| Net operating income to assets | 0.3411% | 5,353 |
| Return on assets (ROA) | 0.2757% | 5,629 |
| Pretax return on assets | 0.4381% | 5,338 |
| Return on Equity (ROE) | 2.7871% | 5,533 |
| Retained earnings to average equity (ytd only) | 0.5868% | 5,349 |
| Net charge-offs to loans | 0.4227% | 864 |
| Credit loss provision to net charge-offs | 102.3454% | 1,625 |
| Earnings coverage of net charge-offs (x) | 2.6119% | 2,840 |
| Efficiency ratio | 77.8037% | 2,499 |
| Assets per employee ($millions) | 2.9926% | 5,869 |
| Cash dividends to net income (ytd only)* | 78.9474% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 3,505 |
| Loan loss allowance to noncurrent loans | 377.4580% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5871% | 4,388 |
| Noncurrent loans to loans | 0.3760% | 4,998 |
| Net loans and leases to total assets | 79.4278% | 613 |
| Net loans and leases to deposits | 100.5867% | 415 |
| Net loans and leases to core deposits | 109.6608% | 593 |
| Total domestic deposits to total assets | 78.9645% | 5,692 |
| Equity capital to assets | 10.0133% | 3,825 |
| Core capital (leverage) ratio | 10.0498% | 3,492 |
| Tier 1 risk-based capital ratio | 15.9844% | 3,175 |
| Total risk-based capital ratio | 17.2414% | 3,127 |
| Memoranda: | ||
| Average total assets | $551,420,500 | 1,222 |
| Average earning assets | $523,369,500 | 1,169 |
| Average equity | $54,536,500 | 1,327 |
| Average total loans | $443,864,500 | 993 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 1,588 |
| Cost of funding earning assets | 0.9643% | 539 |
| Net interest margin | 3.7297% | 2,942 |
| Noninterest income to average assets | 0.5201% | 3,634 |
| Noninterest expense to average assets | 3.1588% | 2,550 |
| Loan and lease loss provision to assets | 0.5195% | 536 |
| Net operating income to assets | 0.2396% | 5,718 |
| Return on assets (ROA) | 0.2114% | 5,853 |
| Pretax return on assets | 0.3361% | 5,634 |
| Return on Equity (ROE) | 2.1336% | 5,791 |
| Retained earnings to average equity (ytd only) | 2.1336% | 4,722 |
| Net charge-offs to loans | 0.5488% | 1,207 |
| Credit loss provision to net charge-offs | 119.5542% | 2,002 |
| Earnings coverage of net charge-offs (x) | 2.0702% | 4,356 |
| Efficiency ratio | 77.5756% | 2,530 |
| Assets per employee ($millions) | 3.0011% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 3,577 |
| Loan loss allowance to noncurrent loans | 273.0235% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6671% | 4,238 |
| Noncurrent loans to loans | 0.5184% | 4,694 |
| Net loans and leases to total assets | 79.2803% | 673 |
| Net loans and leases to deposits | 99.7669% | 490 |
| Net loans and leases to core deposits | 108.2915% | 682 |
| Total domestic deposits to total assets | 79.4656% | 5,560 |
| Equity capital to assets | 9.7674% | 4,076 |
| Core capital (leverage) ratio | 9.9463% | 3,646 |
| Tier 1 risk-based capital ratio | 15.2370% | 3,526 |
| Total risk-based capital ratio | 16.4930% | 3,467 |
| Memoranda: | ||
| Average total assets | $547,207,400 | 1,213 |
| Average earning assets | $519,128,800 | 1,168 |
| Average equity | $54,227,800 | 1,314 |
| Average total loans | $433,348,000 | 983 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7034% | 1,589 |
| Cost of funding earning assets | 1.0050% | 478 |
| Net interest margin | 3.6984% | 3,038 |
| Noninterest income to average assets | 0.5524% | 3,437 |
| Noninterest expense to average assets | 3.1596% | 2,479 |
| Loan and lease loss provision to assets | 0.5478% | 477 |
| Net operating income to assets | 0.2219% | 5,863 |
| Return on assets (ROA) | 0.1966% | 6,000 |
| Pretax return on assets | 0.3131% | 5,839 |
| Return on Equity (ROE) | 1.9766% | 5,947 |
| Retained earnings to average equity (ytd only) | 1.9766% | 5,144 |
| Net charge-offs to loans | 0.5830% | 1,079 |
| Credit loss provision to net charge-offs | 119.1184% | 1,977 |
| Earnings coverage of net charge-offs (x) | 1.9580% | 4,172 |
| Efficiency ratio | 77.5639% | 2,476 |
| Assets per employee ($millions) | 3.0311% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 3,894 |
| Loan loss allowance to noncurrent loans | 236.9632% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 4,560 |
| Noncurrent loans to loans | 0.5913% | 4,721 |
| Net loans and leases to total assets | 78.4003% | 708 |
| Net loans and leases to deposits | 97.0855% | 618 |
| Net loans and leases to core deposits | 105.3922% | 792 |
| Total domestic deposits to total assets | 80.7539% | 5,286 |
| Equity capital to assets | 9.7270% | 4,272 |
| Core capital (leverage) ratio | 9.8502% | 3,891 |
| Tier 1 risk-based capital ratio | 15.0000% | 3,752 |
| Total risk-based capital ratio | 16.2555% | 3,699 |
| Memoranda: | ||
| Average total assets | $545,958,250 | 1,229 |
| Average earning assets | $517,799,500 | 1,186 |
| Average equity | $54,300,750 | 1,321 |
| Average total loans | $430,666,500 | 993 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6989% | 1,576 |
| Cost of funding earning assets | 1.0190% | 493 |
| Net interest margin | 3.6799% | 3,036 |
| Noninterest income to average assets | 0.5546% | 3,472 |
| Noninterest expense to average assets | 3.1570% | 2,490 |
| Loan and lease loss provision to assets | 0.5580% | 469 |
| Net operating income to assets | 0.2100% | 5,860 |
| Return on assets (ROA) | 0.1735% | 6,082 |
| Pretax return on assets | 0.2766% | 5,937 |
| Return on Equity (ROE) | 1.7311% | 6,036 |
| Retained earnings to average equity (ytd only) | 1.7311% | 5,147 |
| Net charge-offs to loans | 0.5992% | 1,104 |
| Credit loss provision to net charge-offs | 118.3594% | 1,876 |
| Earnings coverage of net charge-offs (x) | 1.8914% | 3,892 |
| Efficiency ratio | 77.7222% | 2,509 |
| Assets per employee ($millions) | 2.7604% | 6,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,123 |
| Loan loss allowance to noncurrent loans | 202.9155% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 4,532 |
| Noncurrent loans to loans | 0.6807% | 4,575 |
| Net loans and leases to total assets | 78.3030% | 712 |
| Net loans and leases to deposits | 97.6135% | 564 |
| Net loans and leases to core deposits | 101.2571% | 987 |
| Total domestic deposits to total assets | 80.2174% | 5,559 |
| Equity capital to assets | 9.7004% | 4,313 |
| Core capital (leverage) ratio | 9.7761% | 3,827 |
| Tier 1 risk-based capital ratio | 14.8993% | 3,839 |
| Total risk-based capital ratio | 16.1546% | 3,808 |
| Memoranda: | ||
| Average total assets | $543,046,330 | 1,237 |
| Average earning assets | $515,612,670 | 1,197 |
| Average equity | $54,416,000 | 1,325 |
| Average total loans | $427,201,330 | 993 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7802% | 1,330 |
| Cost of funding earning assets | 1.0385% | 501 |
| Net interest margin | 3.7417% | 2,692 |
| Noninterest income to average assets | 0.4865% | 3,871 |
| Noninterest expense to average assets | 3.1879% | 2,385 |
| Loan and lease loss provision to assets | 0.5682% | 458 |
| Net operating income to assets | 0.1785% | 5,956 |
| Return on assets (ROA) | 0.1909% | 6,031 |
| Pretax return on assets | 0.3090% | 5,830 |
| Return on Equity (ROE) | 1.8743% | 5,981 |
| Retained earnings to average equity (ytd only) | 1.8743% | 5,059 |
| Net charge-offs to loans | 0.6214% | 980 |
| Credit loss provision to net charge-offs | 116.7939% | 1,628 |
| Earnings coverage of net charge-offs (x) | 1.7634% | 3,247 |
| Efficiency ratio | 78.5386% | 2,526 |
| Assets per employee ($millions) | 2.7822% | 6,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 4,206 |
| Loan loss allowance to noncurrent loans | 147.8434% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.8230% | 4,319 |
| Noncurrent loans to loans | 0.9502% | 4,239 |
| Net loans and leases to total assets | 76.7161% | 746 |
| Net loans and leases to deposits | 95.2100% | 586 |
| Net loans and leases to core deposits | 98.4709% | 1,046 |
| Total domestic deposits to total assets | 80.5757% | 5,606 |
| Equity capital to assets | 10.0935% | 4,025 |
| Core capital (leverage) ratio | 9.9350% | 3,486 |
| Tier 1 risk-based capital ratio | 14.8985% | 3,913 |
| Total risk-based capital ratio | 16.1534% | 3,867 |
| Memoranda: | ||
| Average total assets | $538,529,500 | 1,253 |
| Average earning assets | $512,277,500 | 1,217 |
| Average equity | $54,847,000 | 1,329 |
| Average total loans | $421,627,000 | 1,014 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2491% | 1,019 |
| Cost of funding earning assets | 1.2276% | 505 |
| Net interest margin | 4.0215% | 2,310 |
| Noninterest income to average assets | 0.5401% | 3,645 |
| Noninterest expense to average assets | 3.1832% | 2,670 |
| Loan and lease loss provision to assets | 0.7149% | 714 |
| Net operating income to assets | 0.2723% | 5,566 |
| Return on assets (ROA) | 0.2022% | 5,955 |
| Pretax return on assets | 0.3388% | 5,746 |
| Return on Equity (ROE) | 2.0035% | 5,898 |
| Retained earnings to average equity (ytd only) | 2.0035% | 4,813 |
| Net charge-offs to loans | 0.8222% | 1,421 |
| Credit loss provision to net charge-offs | 108.0774% | 2,731 |
| Earnings coverage of net charge-offs (x) | 1.7585% | 4,556 |
| Efficiency ratio | 72.6313% | 3,298 |
| Assets per employee ($millions) | 2.6727% | 6,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 4,254 |
| Loan loss allowance to noncurrent loans | 113.4282% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.1165% | 3,788 |
| Noncurrent loans to loans | 1.2184% | 3,815 |
| Net loans and leases to total assets | 77.6938% | 712 |
| Net loans and leases to deposits | 97.1139% | 554 |
| Net loans and leases to core deposits | 100.5511% | 994 |
| Total domestic deposits to total assets | 80.0027% | 5,664 |
| Equity capital to assets | 10.2770% | 3,790 |
| Core capital (leverage) ratio | 9.9463% | 3,472 |
| Tier 1 risk-based capital ratio | 14.3838% | 4,107 |
| Total risk-based capital ratio | 15.6381% | 4,060 |
| Memoranda: | ||
| Average total assets | $531,533,600 | 1,253 |
| Average earning assets | $503,099,000 | 1,204 |
| Average equity | $53,655,800 | 1,324 |
| Average total loans | $427,623,600 | 977 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3178% | 972 |
| Cost of funding earning assets | 1.2665% | 513 |
| Net interest margin | 4.0513% | 2,286 |
| Noninterest income to average assets | 0.5182% | 3,810 |
| Noninterest expense to average assets | 3.1698% | 2,662 |
| Loan and lease loss provision to assets | 0.7285% | 689 |
| Net operating income to assets | 0.2733% | 5,704 |
| Return on assets (ROA) | 0.1929% | 6,100 |
| Pretax return on assets | 0.3248% | 5,909 |
| Return on Equity (ROE) | 1.9198% | 6,045 |
| Retained earnings to average equity (ytd only) | 1.9198% | 5,369 |
| Net charge-offs to loans | 0.8359% | 1,312 |
| Credit loss provision to net charge-offs | 107.7666% | 2,729 |
| Earnings coverage of net charge-offs (x) | 1.7440% | 4,400 |
| Efficiency ratio | 72.1696% | 3,294 |
| Assets per employee ($millions) | 2.7329% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 4,616 |
| Loan loss allowance to noncurrent loans | 122.9929% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9748% | 4,334 |
| Noncurrent loans to loans | 1.0919% | 4,254 |
| Net loans and leases to total assets | 79.6035% | 540 |
| Net loans and leases to deposits | 99.8985% | 444 |
| Net loans and leases to core deposits | 103.3930% | 904 |
| Total domestic deposits to total assets | 79.6844% | 5,733 |
| Equity capital to assets | 10.3234% | 4,050 |
| Core capital (leverage) ratio | 10.1832% | 3,303 |
| Tier 1 risk-based capital ratio | 14.1664% | 4,402 |
| Total risk-based capital ratio | 15.4198% | 4,365 |
| Memoranda: | ||
| Average total assets | $530,783,750 | 1,269 |
| Average earning assets | $501,846,750 | 1,220 |
| Average equity | $53,336,250 | 1,343 |
| Average total loans | $429,249,750 | 984 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3671% | 931 |
| Cost of funding earning assets | 1.3059% | 515 |
| Net interest margin | 4.0613% | 2,243 |
| Noninterest income to average assets | 0.4957% | 3,948 |
| Noninterest expense to average assets | 3.2476% | 2,446 |
| Loan and lease loss provision to assets | 0.7533% | 694 |
| Net operating income to assets | 0.1946% | 5,934 |
| Return on assets (ROA) | 0.1962% | 6,111 |
| Pretax return on assets | 0.3303% | 5,896 |
| Return on Equity (ROE) | 1.9708% | 6,049 |
| Retained earnings to average equity (ytd only) | 1.9708% | 5,211 |
| Net charge-offs to loans | 0.8535% | 1,299 |
| Credit loss provision to net charge-offs | 109.0513% | 2,498 |
| Earnings coverage of net charge-offs (x) | 1.5649% | 4,212 |
| Efficiency ratio | 74.0602% | 3,066 |
| Assets per employee ($millions) | 2.5766% | 6,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 4,795 |
| Loan loss allowance to noncurrent loans | 123.5536% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.0349% | 4,312 |
| Noncurrent loans to loans | 1.0698% | 4,380 |
| Net loans and leases to total assets | 79.8097% | 536 |
| Net loans and leases to deposits | 99.6391% | 434 |
| Net loans and leases to core deposits | 103.3339% | 899 |
| Total domestic deposits to total assets | 80.0988% | 5,715 |
| Equity capital to assets | 10.0663% | 4,235 |
| Core capital (leverage) ratio | 10.0403% | 3,367 |
| Tier 1 risk-based capital ratio | 13.7144% | 4,651 |
| Total risk-based capital ratio | 14.9671% | 4,624 |
| Memoranda: | ||
| Average total assets | $530,984,000 | 1,274 |
| Average earning assets | $501,124,000 | 1,227 |
| Average equity | $52,870,670 | 1,346 |
| Average total loans | $429,736,670 | 977 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3939% | 921 |
| Cost of funding earning assets | 1.3415% | 533 |
| Net interest margin | 4.0525% | 2,291 |
| Noninterest income to average assets | 0.4288% | 4,461 |
| Noninterest expense to average assets | 3.2511% | 2,432 |
| Loan and lease loss provision to assets | 0.8305% | 576 |
| Net operating income to assets | 0.0973% | 6,242 |
| Return on assets (ROA) | 0.0959% | 6,369 |
| Pretax return on assets | 0.1631% | 6,266 |
| Return on Equity (ROE) | 0.9683% | 6,355 |
| Retained earnings to average equity (ytd only) | 0.9683% | 5,685 |
| Net charge-offs to loans | 0.9027% | 1,137 |
| Credit loss provision to net charge-offs | 113.6364% | 2,080 |
| Earnings coverage of net charge-offs (x) | 1.3626% | 3,651 |
| Efficiency ratio | 75.0756% | 2,925 |
| Assets per employee ($millions) | 2.6177% | 6,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 4,900 |
| Loan loss allowance to noncurrent loans | 110.7031% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 1.1534% | 4,202 |
| Noncurrent loans to loans | 1.1987% | 4,334 |
| Net loans and leases to total assets | 79.7063% | 435 |
| Net loans and leases to deposits | 96.5149% | 510 |
| Net loans and leases to core deposits | 99.5604% | 1,014 |
| Total domestic deposits to total assets | 82.5845% | 5,086 |
| Equity capital to assets | 9.9675% | 4,161 |
| Core capital (leverage) ratio | 10.2109% | 3,090 |
| Tier 1 risk-based capital ratio | 13.8064% | 4,604 |
| Total risk-based capital ratio | 15.0589% | 4,581 |
| Memoranda: | ||
| Average total assets | $529,793,000 | 1,278 |
| Average earning assets | $499,152,500 | 1,232 |
| Average equity | $52,461,000 | 1,348 |
| Average total loans | $428,915,000 | 975 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6406% | 884 |
| Cost of funding earning assets | 1.5525% | 577 |
| Net interest margin | 4.0880% | 2,482 |
| Noninterest income to average assets | 0.4203% | 4,445 |
| Noninterest expense to average assets | 3.0837% | 3,255 |
| Loan and lease loss provision to assets | 1.0435% | 898 |
| Net operating income to assets | 0.0901% | 5,886 |
| Return on assets (ROA) | 0.0386% | 6,090 |
| Pretax return on assets | 0.0667% | 6,020 |
| Return on Equity (ROE) | 0.4135% | 6,080 |
| Retained earnings to average equity (ytd only) | 0.4135% | 5,638 |
| Net charge-offs to loans | 0.9272% | 1,874 |
| Credit loss provision to net charge-offs | 143.4750% | 2,025 |
| Earnings coverage of net charge-offs (x) | 1.6369% | 4,543 |
| Efficiency ratio | 70.7490% | 3,817 |
| Assets per employee ($millions) | 2.5519% | 6,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 4,993 |
| Loan loss allowance to noncurrent loans | 130.5045% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9356% | 4,735 |
| Noncurrent loans to loans | 0.9849% | 4,734 |
| Net loans and leases to total assets | 80.0961% | 486 |
| Net loans and leases to deposits | 95.6124% | 696 |
| Net loans and leases to core deposits | 99.1988% | 1,245 |
| Total domestic deposits to total assets | 83.7716% | 4,424 |
| Equity capital to assets | 9.8371% | 4,386 |
| Core capital (leverage) ratio | 10.1262% | 3,198 |
| Tier 1 risk-based capital ratio | 13.6367% | 4,600 |
| Total risk-based capital ratio | 14.8868% | 4,560 |
| Memoranda: | ||
| Average total assets | $556,280,400 | 1,187 |
| Average earning assets | $524,432,200 | 1,134 |
| Average equity | $51,992,000 | 1,313 |
| Average total loans | $436,351,400 | 955 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6308% | 972 |
| Cost of funding earning assets | 1.5874% | 616 |
| Net interest margin | 4.0434% | 2,721 |
| Noninterest income to average assets | 0.4481% | 4,310 |
| Noninterest expense to average assets | 3.0526% | 3,342 |
| Loan and lease loss provision to assets | 1.0107% | 844 |
| Net operating income to assets | 0.1169% | 5,925 |
| Return on assets (ROA) | 0.1386% | 5,993 |
| Pretax return on assets | 0.2318% | 5,838 |
| Return on Equity (ROE) | 1.5018% | 5,936 |
| Retained earnings to average equity (ytd only) | 1.5018% | 5,383 |
| Net charge-offs to loans | 1.1659% | 1,353 |
| Credit loss provision to net charge-offs | 111.4159% | 2,947 |
| Earnings coverage of net charge-offs (x) | 1.3323% | 4,617 |
| Efficiency ratio | 70.2536% | 3,916 |
| Assets per employee ($millions) | 2.9003% | 6,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 6,366 |
| Loan loss allowance to noncurrent loans | 97.3660% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.0215% | 4,717 |
| Noncurrent loans to loans | 1.0040% | 4,882 |
| Net loans and leases to total assets | 79.5539% | 556 |
| Net loans and leases to deposits | 94.9725% | 763 |
| Net loans and leases to core deposits | 98.5353% | 1,385 |
| Total domestic deposits to total assets | 83.7652% | 4,340 |
| Equity capital to assets | 9.7561% | 4,696 |
| Core capital (leverage) ratio | 10.0676% | 3,348 |
| Tier 1 risk-based capital ratio | 13.0752% | 5,040 |
| Total risk-based capital ratio | 14.0921% | 5,189 |
| Memoranda: | ||
| Average total assets | $562,649,250 | 1,188 |
| Average earning assets | $530,593,500 | 1,138 |
| Average equity | $51,936,000 | 1,312 |
| Average total loans | $437,766,750 | 966 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6151% | 1,047 |
| Cost of funding earning assets | 1.6480% | 571 |
| Net interest margin | 3.9671% | 3,004 |
| Noninterest income to average assets | 0.5100% | 3,778 |
| Noninterest expense to average assets | 2.9775% | 3,724 |
| Loan and lease loss provision to assets | 1.0554% | 795 |
| Net operating income to assets | 0.1323% | 5,924 |
| Return on assets (ROA) | 0.1323% | 6,021 |
| Pretax return on assets | 0.2209% | 5,885 |
| Return on Equity (ROE) | 1.4595% | 5,958 |
| Retained earnings to average equity (ytd only) | 1.4595% | 5,258 |
| Net charge-offs to loans | 1.2877% | 1,203 |
| Credit loss provision to net charge-offs | 106.4243% | 2,899 |
| Earnings coverage of net charge-offs (x) | 1.2870% | 4,326 |
| Efficiency ratio | 68.6307% | 4,403 |
| Assets per employee ($millions) | 2.6911% | 6,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 6,602 |
| Loan loss allowance to noncurrent loans | 78.8488% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.1383% | 4,613 |
| Noncurrent loans to loans | 1.1656% | 4,707 |
| Net loans and leases to total assets | 77.3649% | 863 |
| Net loans and leases to deposits | 92.8467% | 965 |
| Net loans and leases to core deposits | 96.1595% | 1,670 |
| Total domestic deposits to total assets | 83.3254% | 4,619 |
| Equity capital to assets | 9.4932% | 4,826 |
| Core capital (leverage) ratio | 9.7439% | 3,611 |
| Tier 1 risk-based capital ratio | 12.5415% | 5,306 |
| Total risk-based capital ratio | 13.4629% | 5,584 |
| Memoranda: | ||
| Average total assets | $571,346,670 | 1,172 |
| Average earning assets | $539,186,670 | 1,127 |
| Average equity | $51,799,000 | 1,297 |
| Average total loans | $440,000,330 | 975 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6466% | 982 |
| Cost of funding earning assets | 1.6787% | 610 |
| Net interest margin | 3.9678% | 2,836 |
| Noninterest income to average assets | 0.4818% | 4,035 |
| Noninterest expense to average assets | 2.9251% | 3,967 |
| Loan and lease loss provision to assets | 1.1356% | 634 |
| Net operating income to assets | 0.0964% | 6,104 |
| Return on assets (ROA) | 0.0964% | 6,156 |
| Pretax return on assets | 0.1611% | 6,027 |
| Return on Equity (ROE) | 1.0871% | 6,108 |
| Retained earnings to average equity (ytd only) | 1.0871% | 5,393 |
| Net charge-offs to loans | 1.4664% | 926 |
| Credit loss provision to net charge-offs | 101.2270% | 2,606 |
| Earnings coverage of net charge-offs (x) | 1.1558% | 3,793 |
| Efficiency ratio | 67.9328% | 4,667 |
| Assets per employee ($millions) | 2.8956% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8647% | 6,793 |
| Loan loss allowance to noncurrent loans | 61.0450% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.1408% | 4,655 |
| Noncurrent loans to loans | 1.4164% | 4,343 |
| Net loans and leases to total assets | 74.7974% | 1,225 |
| Net loans and leases to deposits | 90.0846% | 1,219 |
| Net loans and leases to core deposits | 92.9054% | 2,017 |
| Total domestic deposits to total assets | 83.0303% | 4,914 |
| Equity capital to assets | 8.9194% | 5,322 |
| Core capital (leverage) ratio | 9.1797% | 4,323 |
| Tier 1 risk-based capital ratio | 11.9100% | 5,768 |
| Total risk-based capital ratio | 12.7542% | 6,080 |
| Memoranda: | ||
| Average total assets | $581,181,000 | 1,158 |
| Average earning assets | $547,803,500 | 1,115 |
| Average equity | $51,512,500 | 1,295 |
| Average total loans | $444,618,500 | 980 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2477% | 511 |
| Cost of funding earning assets | 2.0350% | 532 |
| Net interest margin | 4.2126% | 2,136 |
| Noninterest income to average assets | 0.2258% | 6,191 |
| Noninterest expense to average assets | 3.8750% | 1,355 |
| Loan and lease loss provision to assets | 1.3372% | 1,141 |
| Net operating income to assets | -0.9187% | 6,638 |
| Return on assets (ROA) | -1.2564% | 6,834 |
| Pretax return on assets | -1.4479% | 6,840 |
| Return on Equity (ROE) | -13.7291% | 6,872 |
| Retained earnings to average equity (ytd only) | -13.7291% | 6,829 |
| Net charge-offs to loans | 1.0961% | 2,034 |
| Credit loss provision to net charge-offs | 156.1315% | 2,261 |
| Earnings coverage of net charge-offs (x) | 0.3239% | 5,784 |
| Efficiency ratio | 68.6704% | 4,431 |
| Assets per employee ($millions) | 3.0869% | 5,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 6,885 |
| Loan loss allowance to noncurrent loans | 52.3203% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.2853% | 4,458 |
| Noncurrent loans to loans | 1.6039% | 4,097 |
| Net loans and leases to total assets | 76.9076% | 1,108 |
| Net loans and leases to deposits | 92.4978% | 1,204 |
| Net loans and leases to core deposits | 94.9714% | 2,133 |
| Total domestic deposits to total assets | 83.1453% | 4,735 |
| Equity capital to assets | 8.8073% | 5,422 |
| Core capital (leverage) ratio | 9.1586% | 4,245 |
| Tier 1 risk-based capital ratio | 10.7365% | 6,539 |
| Total risk-based capital ratio | 11.4967% | 6,826 |
| Memoranda: | ||
| Average total assets | $578,895,600 | 1,160 |
| Average earning assets | $539,594,800 | 1,125 |
| Average equity | $52,975,200 | 1,265 |
| Average total loans | $452,319,200 | 1,000 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3217% | 487 |
| Cost of funding earning assets | 2.0784% | 580 |
| Net interest margin | 4.2433% | 2,058 |
| Noninterest income to average assets | 0.1901% | 6,520 |
| Noninterest expense to average assets | 4.1939% | 839 |
| Loan and lease loss provision to assets | 1.4153% | 953 |
| Net operating income to assets | -1.2927% | 7,028 |
| Return on assets (ROA) | -1.6328% | 7,153 |
| Pretax return on assets | -1.8603% | 7,155 |
| Return on Equity (ROE) | -17.6764% | 7,172 |
| Retained earnings to average equity (ytd only) | -17.6764% | 7,153 |
| Net charge-offs to loans | 1.0964% | 1,855 |
| Credit loss provision to net charge-offs | 164.9033% | 2,280 |
| Earnings coverage of net charge-offs (x) | -0.0682% | 6,083 |
| Efficiency ratio | 68.8587% | 4,296 |
| Assets per employee ($millions) | 3.0796% | 5,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7488% | 7,111 |
| Loan loss allowance to noncurrent loans | 67.0928% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9180% | 5,275 |
| Noncurrent loans to loans | 1.1161% | 5,014 |
| Net loans and leases to total assets | 76.0646% | 1,398 |
| Net loans and leases to deposits | 94.7870% | 1,117 |
| Net loans and leases to core deposits | 97.4318% | 2,103 |
| Total domestic deposits to total assets | 80.2479% | 5,625 |
| Equity capital to assets | 8.2671% | 6,544 |
| Core capital (leverage) ratio | 8.9297% | 4,803 |
| Tier 1 risk-based capital ratio | 10.3315% | 6,877 |
| Total risk-based capital ratio | 10.9909% | 7,164 |
| Memoranda: | ||
| Average total assets | $578,535,000 | 1,168 |
| Average earning assets | $537,896,750 | 1,144 |
| Average equity | $53,441,000 | 1,252 |
| Average total loans | $452,873,750 | 997 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4035% | 410 |
| Cost of funding earning assets | 2.0698% | 733 |
| Net interest margin | 4.3337% | 1,655 |
| Noninterest income to average assets | 0.2201% | 6,339 |
| Noninterest expense to average assets | 2.9341% | 3,942 |
| Loan and lease loss provision to assets | 0.9535% | 1,539 |
| Net operating income to assets | 0.2154% | 5,511 |
| Return on assets (ROA) | 0.0754% | 6,037 |
| Pretax return on assets | 0.1270% | 5,926 |
| Return on Equity (ROE) | 0.7872% | 6,013 |
| Retained earnings to average equity (ytd only) | 0.7872% | 5,458 |
| Net charge-offs to loans | 0.8943% | 2,048 |
| Credit loss provision to net charge-offs | 135.2301% | 2,966 |
| Earnings coverage of net charge-offs (x) | 1.8427% | 4,138 |
| Efficiency ratio | 67.9413% | 4,593 |
| Assets per employee ($millions) | 2.9710% | 6,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3734% | 7,616 |
| Loan loss allowance to noncurrent loans | 25.8485% | 6,621 |
| Noncurrent assets plus other real estate owned to assets | 1.2410% | 4,664 |
| Noncurrent loans to loans | 1.4446% | 4,545 |
| Net loans and leases to total assets | 78.9690% | 962 |
| Net loans and leases to deposits | 103.0166% | 535 |
| Net loans and leases to core deposits | 105.7094% | 1,476 |
| Total domestic deposits to total assets | 76.6566% | 6,574 |
| Equity capital to assets | 9.6443% | 4,476 |
| Core capital (leverage) ratio | 9.5652% | 3,722 |
| Tier 1 risk-based capital ratio | 10.2468% | 6,884 |
| Total risk-based capital ratio | 10.5643% | 7,329 |
| Memoranda: | ||
| Average total assets | $573,258,000 | 1,188 |
| Average earning assets | $530,867,670 | 1,159 |
| Average equity | $54,875,670 | 1,207 |
| Average total loans | $451,994,000 | 1,008 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3481% | 489 |
| Cost of funding earning assets | 2.0683% | 892 |
| Net interest margin | 4.2798% | 1,758 |
| Noninterest income to average assets | 0.2680% | 6,012 |
| Noninterest expense to average assets | 2.9428% | 3,896 |
| Loan and lease loss provision to assets | 0.9809% | 1,269 |
| Net operating income to assets | 0.2038% | 5,673 |
| Return on assets (ROA) | -0.0210% | 6,425 |
| Pretax return on assets | -0.0329% | 6,393 |
| Return on Equity (ROE) | -0.2201% | 6,436 |
| Retained earnings to average equity (ytd only) | -0.2201% | 5,881 |
| Net charge-offs to loans | 0.9858% | 1,663 |
| Credit loss provision to net charge-offs | 126.5343% | 2,783 |
| Earnings coverage of net charge-offs (x) | 1.6760% | 3,729 |
| Efficiency ratio | 68.0026% | 4,722 |
| Assets per employee ($millions) | 2.8983% | 6,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2844% | 7,763 |
| Loan loss allowance to noncurrent loans | 18.7101% | 7,075 |
| Noncurrent assets plus other real estate owned to assets | 1.3236% | 4,543 |
| Noncurrent loans to loans | 1.5198% | 4,468 |
| Net loans and leases to total assets | 78.3124% | 1,090 |
| Net loans and leases to deposits | 107.9651% | 346 |
| Net loans and leases to core deposits | 110.0424% | 1,265 |
| Total domestic deposits to total assets | 72.5349% | 7,213 |
| Equity capital to assets | 9.4930% | 4,543 |
| Core capital (leverage) ratio | 9.4932% | 3,784 |
| Tier 1 risk-based capital ratio | 9.9352% | 7,076 |
| Total risk-based capital ratio | 10.1690% | 7,507 |
| Memoranda: | ||
| Average total assets | $571,702,500 | 1,218 |
| Average earning assets | $530,863,500 | 1,196 |
| Average equity | $54,520,000 | 1,224 |
| Average total loans | $449,561,500 | 1,043 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6453% | 519 |
| Cost of funding earning assets | 2.8225% | 411 |
| Net interest margin | 3.8228% | 3,609 |
| Noninterest income to average assets | 0.3556% | 5,561 |
| Noninterest expense to average assets | 3.0730% | 3,859 |
| Loan and lease loss provision to assets | 0.3469% | 4,723 |
| Net operating income to assets | 0.3582% | 4,293 |
| Return on assets (ROA) | -0.5742% | 6,244 |
| Pretax return on assets | -0.9503% | 6,379 |
| Return on Equity (ROE) | -6.2145% | 6,326 |
| Retained earnings to average equity (ytd only) | -6.2145% | 6,169 |
| Net charge-offs to loans | 0.4007% | 4,222 |
| Credit loss provision to net charge-offs | 110.8333% | 4,964 |
| Earnings coverage of net charge-offs (x) | 2.7268% | 3,738 |
| Efficiency ratio | 76.6891% | 3,411 |
| Assets per employee ($millions) | 2.9824% | 6,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2228% | 7,874 |
| Loan loss allowance to noncurrent loans | 12.7126% | 7,317 |
| Noncurrent assets plus other real estate owned to assets | 1.4790% | 4,169 |
| Noncurrent loans to loans | 1.7525% | 4,011 |
| Net loans and leases to total assets | 78.5618% | 1,270 |
| Net loans and leases to deposits | 109.3832% | 404 |
| Net loans and leases to core deposits | 129.1227% | 1,327 |
| Total domestic deposits to total assets | 71.8225% | 7,260 |
| Equity capital to assets | 9.5807% | 4,294 |
| Core capital (leverage) ratio | 9.6453% | 3,528 |
| Tier 1 risk-based capital ratio | 10.5866% | 6,308 |
| Total risk-based capital ratio | 10.7791% | 7,184 |
| Memoranda: | ||
| Average total assets | $536,767,800 | 1,287 |
| Average earning assets | $501,391,200 | 1,259 |
| Average equity | $49,593,600 | 1,357 |
| Average total loans | $419,256,200 | 1,143 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6712% | 537 |
| Cost of funding earning assets | 2.9508% | 382 |
| Net interest margin | 3.7204% | 3,985 |
| Noninterest income to average assets | 0.3489% | 5,708 |
| Noninterest expense to average assets | 3.1027% | 3,639 |
| Loan and lease loss provision to assets | 0.2776% | 4,755 |
| Net operating income to assets | 0.3376% | 4,647 |
| Return on assets (ROA) | -0.8290% | 6,710 |
| Pretax return on assets | -1.3736% | 6,896 |
| Return on Equity (ROE) | -9.0622% | 6,817 |
| Retained earnings to average equity (ytd only) | -9.0622% | 6,709 |
| Net charge-offs to loans | 0.2931% | 4,195 |
| Credit loss provision to net charge-offs | 121.4994% | 4,178 |
| Earnings coverage of net charge-offs (x) | 3.1808% | 3,651 |
| Efficiency ratio | 79.3843% | 2,941 |
| Assets per employee ($millions) | 2.9969% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2281% | 7,959 |
| Loan loss allowance to noncurrent loans | 17.3951% | 7,221 |
| Noncurrent assets plus other real estate owned to assets | 1.1037% | 4,873 |
| Noncurrent loans to loans | 1.3110% | 4,748 |
| Net loans and leases to total assets | 76.5627% | 1,882 |
| Net loans and leases to deposits | 107.3876% | 583 |
| Net loans and leases to core deposits | 127.7188% | 1,604 |
| Total domestic deposits to total assets | 71.2957% | 7,305 |
| Equity capital to assets | 8.8841% | 5,657 |
| Core capital (leverage) ratio | 8.8789% | 4,845 |
| Tier 1 risk-based capital ratio | 9.3650% | 7,452 |
| Total risk-based capital ratio | 9.5496% | 7,776 |
| Memoranda: | ||
| Average total assets | $529,297,000 | 1,312 |
| Average earning assets | $495,169,750 | 1,286 |
| Average equity | $48,419,750 | 1,410 |
| Average total loans | $412,529,000 | 1,186 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7078% | 534 |
| Cost of funding earning assets | 3.0623% | 396 |
| Net interest margin | 3.6455% | 4,192 |
| Noninterest income to average assets | 0.3401% | 5,789 |
| Noninterest expense to average assets | 3.1456% | 3,520 |
| Loan and lease loss provision to assets | 0.2716% | 4,402 |
| Net operating income to assets | 0.3051% | 4,876 |
| Return on assets (ROA) | -1.4971% | 7,246 |
| Pretax return on assets | -2.4821% | 7,414 |
| Return on Equity (ROE) | -16.1912% | 7,387 |
| Retained earnings to average equity (ytd only) | -16.1912% | 7,310 |
| Net charge-offs to loans | 0.2815% | 3,785 |
| Credit loss provision to net charge-offs | 123.1041% | 3,778 |
| Earnings coverage of net charge-offs (x) | 2.7443% | 3,711 |
| Efficiency ratio | 82.1351% | 2,706 |
| Assets per employee ($millions) | 2.7611% | 6,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2216% | 8,054 |
| Loan loss allowance to noncurrent loans | 18.7886% | 7,196 |
| Noncurrent assets plus other real estate owned to assets | 0.9631% | 5,056 |
| Noncurrent loans to loans | 1.1793% | 4,861 |
| Net loans and leases to total assets | 77.6723% | 1,824 |
| Net loans and leases to deposits | 113.2763% | 432 |
| Net loans and leases to core deposits | 136.3303% | 1,193 |
| Total domestic deposits to total assets | 68.5689% | 7,582 |
| Equity capital to assets | 7.9894% | 6,763 |
| Core capital (leverage) ratio | 7.8495% | 6,552 |
| Tier 1 risk-based capital ratio | 8.3428% | 7,873 |
| Total risk-based capital ratio | 8.5263% | 7,991 |
| Memoranda: | ||
| Average total assets | $513,926,670 | 1,374 |
| Average earning assets | $480,872,670 | 1,342 |
| Average equity | $47,519,670 | 1,450 |
| Average total loans | $402,853,670 | 1,235 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7471% | 535 |
| Cost of funding earning assets | 3.2114% | 329 |
| Net interest margin | 3.5357% | 4,585 |
| Noninterest income to average assets | 0.3409% | 5,729 |
| Noninterest expense to average assets | 3.0293% | 3,637 |
| Loan and lease loss provision to assets | 0.3007% | 3,544 |
| Net operating income to assets | 0.1881% | 5,689 |
| Return on assets (ROA) | 0.1881% | 5,864 |
| Pretax return on assets | 0.3232% | 5,612 |
| Return on Equity (ROE) | 1.8932% | 5,811 |
| Retained earnings to average equity (ytd only) | 1.8932% | 4,800 |
| Net charge-offs to loans | 0.3024% | 2,897 |
| Credit loss provision to net charge-offs | 126.3514% | 3,149 |
| Earnings coverage of net charge-offs (x) | 2.6216% | 3,450 |
| Efficiency ratio | 81.0960% | 2,663 |
| Assets per employee ($millions) | 2.9336% | 6,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2226% | 8,094 |
| Loan loss allowance to noncurrent loans | 20.0270% | 7,165 |
| Noncurrent assets plus other real estate owned to assets | 0.9241% | 4,882 |
| Noncurrent loans to loans | 1.1114% | 4,757 |
| Net loans and leases to total assets | 78.6088% | 1,666 |
| Net loans and leases to deposits | 113.5547% | 463 |
| Net loans and leases to core deposits | 137.1518% | 1,240 |
| Total domestic deposits to total assets | 69.2255% | 7,492 |
| Equity capital to assets | 9.7957% | 4,244 |
| Core capital (leverage) ratio | 9.2701% | 4,289 |
| Tier 1 risk-based capital ratio | 14.0078% | 3,583 |
| Total risk-based capital ratio | 14.2745% | 4,089 |
| Memoranda: | ||
| Average total assets | $497,541,500 | 1,425 |
| Average earning assets | $466,096,500 | 1,398 |
| Average equity | $49,440,500 | 1,395 |
| Average total loans | $391,493,000 | 1,276 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9532% | 1,253 |
| Cost of funding earning assets | 3.4803% | 554 |
| Net interest margin | 3.4730% | 5,391 |
| Noninterest income to average assets | 0.3281% | 6,095 |
| Noninterest expense to average assets | 2.8567% | 4,576 |
| Loan and lease loss provision to assets | 0.1822% | 5,073 |
| Net operating income to assets | 0.3259% | 5,463 |
| Return on assets (ROA) | 0.3259% | 5,283 |
| Pretax return on assets | 0.5568% | 4,830 |
| Return on Equity (ROE) | 2.9039% | 5,272 |
| Retained earnings to average equity (ytd only) | 2.9039% | 3,365 |
| Net charge-offs to loans | 0.2063% | 4,144 |
| Credit loss provision to net charge-offs | 111.8207% | 4,823 |
| Earnings coverage of net charge-offs (x) | 4.5353% | 3,947 |
| Efficiency ratio | 77.5075% | 2,991 |
| Assets per employee ($millions) | 2.9022% | 6,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2119% | 8,152 |
| Loan loss allowance to noncurrent loans | 18.3918% | 7,297 |
| Noncurrent assets plus other real estate owned to assets | 0.9055% | 4,580 |
| Noncurrent loans to loans | 1.1523% | 4,232 |
| Net loans and leases to total assets | 78.4162% | 2,018 |
| Net loans and leases to deposits | 116.4249% | 506 |
| Net loans and leases to core deposits | 141.1828% | 1,203 |
| Total domestic deposits to total assets | 67.3535% | 7,533 |
| Equity capital to assets | 10.0840% | 3,937 |
| Core capital (leverage) ratio | 9.5595% | 3,927 |
| Tier 1 risk-based capital ratio | 14.6272% | 3,240 |
| Total risk-based capital ratio | 14.8836% | 3,648 |
| Memoranda: | ||
| Average total assets | $451,679,600 | 1,519 |
| Average earning assets | $424,968,600 | 1,471 |
| Average equity | $50,691,200 | 1,333 |
| Average total loans | $356,814,600 | 1,363 |