Home > Citizens Deposit Bank & Trust > Performance and Condition Ratios
Citizens Deposit Bank & Trust, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2540% | 3,551 |
| Cost of funding earning assets | 0.1802% | 3,943 |
| Net interest margin | 3.0739% | 3,105 |
| Noninterest income to average assets | 0.4296% | 2,954 |
| Noninterest expense to average assets | 1.9241% | 3,909 |
| Loan and lease loss provision to assets | -0.0096% | 4,406 |
| Net operating income to assets | 1.0855% | 2,592 |
| Return on assets (ROA) | 1.2212% | 2,183 |
| Pretax return on assets | 1.6058% | 1,719 |
| Return on Equity (ROE) | 13.2058% | 1,644 |
| Retained earnings to average equity (ytd only) | 13.2058% | 685 |
| Net charge-offs to loans | 0.0329% | 1,323 |
| Credit loss provision to net charge-offs | -58.8235% | 2,997 |
| Earnings coverage of net charge-offs (x) | 87.5098% | 800 |
| Efficiency ratio | 56.8583% | 3,424 |
| Assets per employee ($millions) | 6.0579% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 4,313 |
| Loan loss allowance to noncurrent loans | 274.1729% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 1,340 |
| Noncurrent loans to loans | 0.3042% | 2,833 |
| Net loans and leases to total assets | 46.6918% | 3,852 |
| Net loans and leases to deposits | 54.5875% | 3,822 |
| Net loans and leases to core deposits | 57.9799% | 3,757 |
| Total domestic deposits to total assets | 85.5357% | 2,899 |
| Equity capital to assets | 9.0247% | 3,771 |
| Core capital (leverage) ratio | 8.2415% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1706% | 1,569 |
| Memoranda: | ||
| Average total assets | $626,591,667 | 1,414 |
| Average earning assets | $595,015,000 | 1,389 |
| Average equity | $57,944,333 | 1,572 |
| Average total loans | $310,477,000 | 1,696 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0726% | 3,943 |
| Cost of funding earning assets | 0.2059% | 3,860 |
| Net interest margin | 2.8667% | 3,602 |
| Noninterest income to average assets | 0.5196% | 2,522 |
| Noninterest expense to average assets | 1.9003% | 3,981 |
| Loan and lease loss provision to assets | 0.0783% | 1,632 |
| Net operating income to assets | 0.9459% | 2,981 |
| Return on assets (ROA) | 1.2233% | 2,139 |
| Pretax return on assets | 1.6091% | 1,699 |
| Return on Equity (ROE) | 13.0606% | 1,660 |
| Retained earnings to average equity (ytd only) | 13.0606% | 900 |
| Net charge-offs to loans | 0.0090% | 1,588 |
| Credit loss provision to net charge-offs | 1,714.2857% | 275 |
| Earnings coverage of net charge-offs (x) | 292.4286% | 301 |
| Efficiency ratio | 58.0678% | 3,291 |
| Assets per employee ($millions) | 5.8336% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 4,200 |
| Loan loss allowance to noncurrent loans | 269.0360% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 1,322 |
| Noncurrent loans to loans | 0.3284% | 2,919 |
| Net loans and leases to total assets | 48.7420% | 3,740 |
| Net loans and leases to deposits | 58.0167% | 3,643 |
| Net loans and leases to core deposits | 61.7262% | 3,595 |
| Total domestic deposits to total assets | 84.0138% | 3,430 |
| Equity capital to assets | 9.0389% | 3,641 |
| Core capital (leverage) ratio | 8.4446% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $612,758,500 | 1,424 |
| Average earning assets | $580,741,000 | 1,409 |
| Average equity | $57,394,000 | 1,576 |
| Average total loans | $311,688,500 | 1,694 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 3,282 |
| Cost of funding earning assets | 0.4234% | 3,440 |
| Net interest margin | 3.3833% | 2,823 |
| Noninterest income to average assets | 0.5571% | 2,389 |
| Noninterest expense to average assets | 2.3252% | 3,339 |
| Loan and lease loss provision to assets | 0.0772% | 3,414 |
| Net operating income to assets | 1.0721% | 2,015 |
| Return on assets (ROA) | 1.0721% | 2,161 |
| Pretax return on assets | 1.3544% | 1,803 |
| Return on Equity (ROE) | 10.9087% | 1,664 |
| Retained earnings to average equity (ytd only) | 4.3028% | 2,648 |
| Net charge-offs to loans | 0.0465% | 2,134 |
| Credit loss provision to net charge-offs | 297.2973% | 1,746 |
| Earnings coverage of net charge-offs (x) | 55.1284% | 1,121 |
| Efficiency ratio | 61.2162% | 3,274 |
| Assets per employee ($millions) | 5.3122% | 3,039 |
| Cash dividends to net income (ytd only)* | 60.5565% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 4,315 |
| Loan loss allowance to noncurrent loans | 177.6139% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 1,191 |
| Noncurrent loans to loans | 0.4802% | 2,528 |
| Net loans and leases to total assets | 52.2394% | 3,644 |
| Net loans and leases to deposits | 60.0965% | 3,754 |
| Net loans and leases to core deposits | 63.5999% | 3,720 |
| Total domestic deposits to total assets | 86.9258% | 1,975 |
| Equity capital to assets | 9.7198% | 3,388 |
| Core capital (leverage) ratio | 8.3586% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $569,929,000 | 1,397 |
| Average earning assets | $538,994,200 | 1,375 |
| Average equity | $56,010,200 | 1,529 |
| Average total loans | $318,374,200 | 1,620 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8725% | 3,348 |
| Cost of funding earning assets | 0.4765% | 3,382 |
| Net interest margin | 3.3960% | 2,936 |
| Noninterest income to average assets | 0.5595% | 2,352 |
| Noninterest expense to average assets | 2.3294% | 3,345 |
| Loan and lease loss provision to assets | 0.0791% | 3,326 |
| Net operating income to assets | 1.0782% | 2,051 |
| Return on assets (ROA) | 1.0782% | 2,186 |
| Pretax return on assets | 1.3635% | 1,841 |
| Return on Equity (ROE) | 10.9399% | 1,701 |
| Retained earnings to average equity (ytd only) | 8.5456% | 1,130 |
| Net charge-offs to loans | 0.0487% | 1,915 |
| Credit loss provision to net charge-offs | 286.3248% | 1,806 |
| Earnings coverage of net charge-offs (x) | 52.2479% | 1,168 |
| Efficiency ratio | 61.0548% | 3,206 |
| Assets per employee ($millions) | 5.2337% | 2,978 |
| Cash dividends to net income (ytd only)* | 21.8866% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7920% | 4,375 |
| Loan loss allowance to noncurrent loans | 160.8994% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.8796% | 1,317 |
| Noncurrent loans to loans | 0.4922% | 2,589 |
| Net loans and leases to total assets | 56.5644% | 3,570 |
| Net loans and leases to deposits | 65.4598% | 3,662 |
| Net loans and leases to core deposits | 69.5537% | 3,654 |
| Total domestic deposits to total assets | 86.4110% | 1,892 |
| Equity capital to assets | 10.2672% | 2,994 |
| Core capital (leverage) ratio | 8.5118% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $564,998,500 | 1,384 |
| Average earning assets | $534,462,000 | 1,365 |
| Average equity | $55,684,500 | 1,519 |
| Average total loans | $320,297,750 | 1,612 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9338% | 3,520 |
| Cost of funding earning assets | 0.5427% | 3,277 |
| Net interest margin | 3.3911% | 3,130 |
| Noninterest income to average assets | 0.5536% | 2,337 |
| Noninterest expense to average assets | 2.3144% | 3,478 |
| Loan and lease loss provision to assets | 0.0923% | 3,115 |
| Net operating income to assets | 1.0732% | 2,062 |
| Return on assets (ROA) | 1.0732% | 2,191 |
| Pretax return on assets | 1.3534% | 1,853 |
| Return on Equity (ROE) | 11.0449% | 1,617 |
| Retained earnings to average equity (ytd only) | 7.3901% | 1,508 |
| Net charge-offs to loans | 0.0540% | 1,718 |
| Credit loss provision to net charge-offs | 302.3256% | 1,611 |
| Earnings coverage of net charge-offs (x) | 47.3372% | 1,145 |
| Efficiency ratio | 60.8425% | 3,299 |
| Assets per employee ($millions) | 5.1390% | 3,012 |
| Cash dividends to net income (ytd only)* | 33.0907% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7720% | 4,409 |
| Loan loss allowance to noncurrent loans | 190.3759% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8741% | 1,414 |
| Noncurrent loans to loans | 0.4055% | 2,951 |
| Net loans and leases to total assets | 56.0440% | 3,680 |
| Net loans and leases to deposits | 64.7942% | 3,821 |
| Net loans and leases to core deposits | 69.1910% | 3,759 |
| Total domestic deposits to total assets | 86.4953% | 1,808 |
| Equity capital to assets | 9.9018% | 3,283 |
| Core capital (leverage) ratio | 8.1716% | 4,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $563,173,000 | 1,367 |
| Average earning assets | $532,508,000 | 1,341 |
| Average equity | $54,722,000 | 1,536 |
| Average total loans | $318,643,000 | 1,601 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0002% | 3,787 |
| Cost of funding earning assets | 0.6274% | 3,289 |
| Net interest margin | 3.3728% | 3,390 |
| Noninterest income to average assets | 0.6140% | 1,978 |
| Noninterest expense to average assets | 2.3160% | 3,739 |
| Loan and lease loss provision to assets | 0.0433% | 3,238 |
| Net operating income to assets | 1.1421% | 1,714 |
| Return on assets (ROA) | 1.1421% | 1,818 |
| Pretax return on assets | 1.4430% | 1,457 |
| Return on Equity (ROE) | 11.8727% | 1,136 |
| Retained earnings to average equity (ytd only) | 4.3726% | 2,543 |
| Net charge-offs to loans | 0.0917% | 1,145 |
| Credit loss provision to net charge-offs | 83.3333% | 1,921 |
| Earnings coverage of net charge-offs (x) | 28.6111% | 1,207 |
| Efficiency ratio | 60.2087% | 3,713 |
| Assets per employee ($millions) | 5.0083% | 2,640 |
| Cash dividends to net income (ytd only)* | 63.1712% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7574% | 4,499 |
| Loan loss allowance to noncurrent loans | 117.7120% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.0334% | 1,274 |
| Noncurrent loans to loans | 0.6434% | 2,383 |
| Net loans and leases to total assets | 55.2967% | 3,886 |
| Net loans and leases to deposits | 63.8892% | 3,992 |
| Net loans and leases to core deposits | 70.9901% | 3,814 |
| Total domestic deposits to total assets | 86.5509% | 1,749 |
| Equity capital to assets | 9.9477% | 3,840 |
| Core capital (leverage) ratio | 8.3590% | 4,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5787% | 2,047 |
| Memoranda: | ||
| Average total assets | $554,404,500 | 1,347 |
| Average earning assets | $524,073,000 | 1,322 |
| Average equity | $53,332,500 | 1,565 |
| Average total loans | $313,972,000 | 1,583 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 3,498 |
| Cost of funding earning assets | 0.6733% | 3,294 |
| Net interest margin | 3.6405% | 2,995 |
| Noninterest income to average assets | 0.5689% | 2,376 |
| Noninterest expense to average assets | 2.4579% | 3,559 |
| Loan and lease loss provision to assets | -0.0385% | 4,992 |
| Net operating income to assets | 1.2484% | 1,875 |
| Return on assets (ROA) | 1.2510% | 1,954 |
| Pretax return on assets | 1.5833% | 1,533 |
| Return on Equity (ROE) | 12.9476% | 1,180 |
| Retained earnings to average equity (ytd only) | 10.7940% | 364 |
| Net charge-offs to loans | 0.1126% | 1,609 |
| Credit loss provision to net charge-offs | -57.6324% | 4,180 |
| Earnings coverage of net charge-offs (x) | 23.0779% | 1,825 |
| Efficiency ratio | 61.4568% | 3,463 |
| Assets per employee ($millions) | 4.7663% | 2,875 |
| Cash dividends to net income (ytd only)* | 16.6334% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7411% | 4,481 |
| Loan loss allowance to noncurrent loans | 132.1749% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.9651% | 1,305 |
| Noncurrent loans to loans | 0.5607% | 2,495 |
| Net loans and leases to total assets | 57.1244% | 3,837 |
| Net loans and leases to deposits | 64.6476% | 4,029 |
| Net loans and leases to core deposits | 71.9555% | 3,857 |
| Total domestic deposits to total assets | 88.3628% | 958 |
| Equity capital to assets | 9.2901% | 4,498 |
| Core capital (leverage) ratio | 8.5399% | 4,825 |
| Tier 1 risk-based capital ratio | 13.3843% | 3,589 |
| Total risk-based capital ratio | 14.0839% | 3,766 |
| Memoranda: | ||
| Average total assets | $480,574,800 | 1,474 |
| Average earning assets | $452,853,200 | 1,445 |
| Average equity | $46,433,400 | 1,707 |
| Average total loans | $285,111,800 | 1,668 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3595% | 3,484 |
| Cost of funding earning assets | 0.6749% | 3,332 |
| Net interest margin | 3.6846% | 2,968 |
| Noninterest income to average assets | 0.6631% | 1,938 |
| Noninterest expense to average assets | 2.4937% | 3,454 |
| Loan and lease loss provision to assets | -0.0014% | 5,027 |
| Net operating income to assets | 1.2985% | 1,868 |
| Return on assets (ROA) | 1.3022% | 1,934 |
| Pretax return on assets | 1.6444% | 1,486 |
| Return on Equity (ROE) | 13.3239% | 1,168 |
| Retained earnings to average equity (ytd only) | 10.3742% | 660 |
| Net charge-offs to loans | 0.1271% | 1,245 |
| Credit loss provision to net charge-offs | -1.8939% | 3,949 |
| Earnings coverage of net charge-offs (x) | 21.5266% | 1,908 |
| Efficiency ratio | 60.3502% | 3,572 |
| Assets per employee ($millions) | 4.7549% | 2,843 |
| Cash dividends to net income (ytd only)* | 22.1386% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 3,869 |
| Loan loss allowance to noncurrent loans | 244.8113% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 1.0545% | 1,255 |
| Noncurrent loans to loans | 0.3843% | 3,174 |
| Net loans and leases to total assets | 57.4623% | 3,925 |
| Net loans and leases to deposits | 66.0586% | 4,061 |
| Net loans and leases to core deposits | 74.2363% | 3,815 |
| Total domestic deposits to total assets | 86.9868% | 1,527 |
| Equity capital to assets | 10.1884% | 3,836 |
| Core capital (leverage) ratio | 9.2157% | 4,466 |
| Tier 1 risk-based capital ratio | 14.9217% | 2,887 |
| Total risk-based capital ratio | 15.8233% | 2,966 |
| Memoranda: | ||
| Average total assets | $462,496,000 | 1,526 |
| Average earning assets | $435,424,750 | 1,503 |
| Average equity | $45,200,750 | 1,753 |
| Average total loans | $276,841,500 | 1,717 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 3,317 |
| Cost of funding earning assets | 0.6584% | 3,363 |
| Net interest margin | 3.7458% | 2,773 |
| Noninterest income to average assets | 0.6317% | 2,017 |
| Noninterest expense to average assets | 2.5161% | 3,423 |
| Loan and lease loss provision to assets | 0.0153% | 3,472 |
| Net operating income to assets | 1.2847% | 1,833 |
| Return on assets (ROA) | 1.2847% | 1,890 |
| Pretax return on assets | 1.6221% | 1,479 |
| Return on Equity (ROE) | 13.3411% | 1,143 |
| Retained earnings to average equity (ytd only) | 8.8079% | 1,090 |
| Net charge-offs to loans | 0.1198% | 1,234 |
| Credit loss provision to net charge-offs | 21.0843% | 2,646 |
| Earnings coverage of net charge-offs (x) | 22.5964% | 1,686 |
| Efficiency ratio | 60.5780% | 3,643 |
| Assets per employee ($millions) | 4.5633% | 3,044 |
| Cash dividends to net income (ytd only)* | 33.9789% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 3,607 |
| Loan loss allowance to noncurrent loans | 325.3571% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 1.0378% | 1,328 |
| Noncurrent loans to loans | 0.3078% | 3,446 |
| Net loans and leases to total assets | 57.4769% | 3,962 |
| Net loans and leases to deposits | 66.0075% | 4,097 |
| Net loans and leases to core deposits | 74.7764% | 3,838 |
| Total domestic deposits to total assets | 87.0765% | 1,564 |
| Equity capital to assets | 9.9556% | 4,013 |
| Core capital (leverage) ratio | 8.8989% | 4,714 |
| Tier 1 risk-based capital ratio | 14.4898% | 3,071 |
| Total risk-based capital ratio | 15.4470% | 3,132 |
| Memoranda: | ||
| Average total assets | $458,163,670 | 1,536 |
| Average earning assets | $430,771,000 | 1,525 |
| Average equity | $44,119,330 | 1,786 |
| Average total loans | $277,180,670 | 1,726 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3718% | 3,331 |
| Cost of funding earning assets | 0.6107% | 3,508 |
| Net interest margin | 3.7611% | 2,668 |
| Noninterest income to average assets | 0.6271% | 1,928 |
| Noninterest expense to average assets | 2.5447% | 3,385 |
| Loan and lease loss provision to assets | 0.0840% | 2,022 |
| Net operating income to assets | 1.2197% | 1,989 |
| Return on assets (ROA) | 1.2197% | 2,037 |
| Pretax return on assets | 1.5337% | 1,668 |
| Return on Equity (ROE) | 12.8931% | 1,255 |
| Retained earnings to average equity (ytd only) | 3.5435% | 3,495 |
| Net charge-offs to loans | 0.2005% | 700 |
| Credit loss provision to net charge-offs | 67.8571% | 1,867 |
| Earnings coverage of net charge-offs (x) | 13.0643% | 1,848 |
| Efficiency ratio | 61.1347% | 3,659 |
| Assets per employee ($millions) | 4.5963% | 3,051 |
| Cash dividends to net income (ytd only)* | 72.5163% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,673 |
| Loan loss allowance to noncurrent loans | 323.2798% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 1.0772% | 1,285 |
| Noncurrent loans to loans | 0.3107% | 3,452 |
| Net loans and leases to total assets | 60.4402% | 3,662 |
| Net loans and leases to deposits | 69.1296% | 3,835 |
| Net loans and leases to core deposits | 77.6615% | 3,542 |
| Total domestic deposits to total assets | 87.4304% | 1,601 |
| Equity capital to assets | 9.5413% | 4,221 |
| Core capital (leverage) ratio | 8.8726% | 4,741 |
| Tier 1 risk-based capital ratio | 13.7761% | 3,459 |
| Total risk-based capital ratio | 14.7518% | 3,513 |
| Memoranda: | ||
| Average total assets | $452,236,500 | 1,569 |
| Average earning assets | $425,086,000 | 1,546 |
| Average equity | $42,782,500 | 1,826 |
| Average total loans | $279,328,500 | 1,724 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2379% | 3,321 |
| Cost of funding earning assets | 0.3966% | 4,004 |
| Net interest margin | 3.8413% | 2,530 |
| Noninterest income to average assets | 0.7078% | 1,827 |
| Noninterest expense to average assets | 2.5466% | 3,480 |
| Loan and lease loss provision to assets | 0.1214% | 1,815 |
| Net operating income to assets | 1.3059% | 1,772 |
| Return on assets (ROA) | 1.3059% | 1,757 |
| Pretax return on assets | 1.6515% | 1,310 |
| Return on Equity (ROE) | 13.7189% | 1,123 |
| Retained earnings to average equity (ytd only) | 2.0192% | 4,349 |
| Net charge-offs to loans | 0.0940% | 1,822 |
| Credit loss provision to net charge-offs | 202.7027% | 1,417 |
| Earnings coverage of net charge-offs (x) | 29.5946% | 1,618 |
| Efficiency ratio | 58.0937% | 4,146 |
| Assets per employee ($millions) | 4.4934% | 3,184 |
| Cash dividends to net income (ytd only)* | 85.2816% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 3,500 |
| Loan loss allowance to noncurrent loans | 222.7061% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 1.2058% | 1,082 |
| Noncurrent loans to loans | 0.4625% | 2,886 |
| Net loans and leases to total assets | 61.8584% | 3,582 |
| Net loans and leases to deposits | 70.7454% | 3,767 |
| Net loans and leases to core deposits | 76.7717% | 3,659 |
| Total domestic deposits to total assets | 87.4380% | 1,568 |
| Equity capital to assets | 9.3764% | 4,240 |
| Core capital (leverage) ratio | 8.9738% | 4,676 |
| Tier 1 risk-based capital ratio | 13.8000% | 3,386 |
| Total risk-based capital ratio | 14.8026% | 3,423 |
| Memoranda: | ||
| Average total assets | $432,339,600 | 1,587 |
| Average earning assets | $406,501,800 | 1,564 |
| Average equity | $41,154,800 | 1,808 |
| Average total loans | $275,423,200 | 1,696 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1724% | 3,406 |
| Cost of funding earning assets | 0.3636% | 4,094 |
| Net interest margin | 3.8088% | 2,613 |
| Noninterest income to average assets | 0.7521% | 1,667 |
| Noninterest expense to average assets | 2.5892% | 3,318 |
| Loan and lease loss provision to assets | 0.1165% | 1,745 |
| Net operating income to assets | 1.2904% | 1,900 |
| Return on assets (ROA) | 1.2904% | 1,896 |
| Pretax return on assets | 1.6293% | 1,492 |
| Return on Equity (ROE) | 13.5033% | 1,264 |
| Retained earnings to average equity (ytd only) | 3.5400% | 4,000 |
| Net charge-offs to loans | 0.0786% | 1,735 |
| Credit loss provision to net charge-offs | 231.4815% | 1,247 |
| Earnings coverage of net charge-offs (x) | 34.6921% | 1,471 |
| Efficiency ratio | 58.5740% | 4,027 |
| Assets per employee ($millions) | 4.4614% | 3,179 |
| Cash dividends to net income (ytd only)* | 73.7842% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 3,649 |
| Loan loss allowance to noncurrent loans | 108.9113% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.4789% | 871 |
| Noncurrent loans to loans | 0.9346% | 1,825 |
| Net loans and leases to total assets | 62.5219% | 3,601 |
| Net loans and leases to deposits | 71.4145% | 3,815 |
| Net loans and leases to core deposits | 76.8385% | 3,751 |
| Total domestic deposits to total assets | 87.5479% | 1,462 |
| Equity capital to assets | 9.3257% | 4,247 |
| Core capital (leverage) ratio | 9.1302% | 4,586 |
| Tier 1 risk-based capital ratio | 14.0979% | 3,323 |
| Total risk-based capital ratio | 15.0968% | 3,351 |
| Memoranda: | ||
| Average total assets | $429,214,000 | 1,609 |
| Average earning assets | $403,752,250 | 1,587 |
| Average equity | $41,016,000 | 1,821 |
| Average total loans | $274,770,000 | 1,704 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 3,400 |
| Cost of funding earning assets | 0.3348% | 4,170 |
| Net interest margin | 3.7801% | 2,638 |
| Noninterest income to average assets | 0.7516% | 1,640 |
| Noninterest expense to average assets | 2.5793% | 3,382 |
| Loan and lease loss provision to assets | 0.1407% | 1,389 |
| Net operating income to assets | 1.2585% | 1,945 |
| Return on assets (ROA) | 1.2585% | 1,945 |
| Pretax return on assets | 1.5895% | 1,531 |
| Return on Equity (ROE) | 13.0619% | 1,352 |
| Retained earnings to average equity (ytd only) | 3.2557% | 3,942 |
| Net charge-offs to loans | 0.0569% | 1,792 |
| Credit loss provision to net charge-offs | 384.6154% | 850 |
| Earnings coverage of net charge-offs (x) | 47.3077% | 1,166 |
| Efficiency ratio | 58.6770% | 4,129 |
| Assets per employee ($millions) | 4.2139% | 3,559 |
| Cash dividends to net income (ytd only)* | 75.0745% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,747 |
| Loan loss allowance to noncurrent loans | 109.7703% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.4818% | 900 |
| Noncurrent loans to loans | 0.9234% | 1,876 |
| Net loans and leases to total assets | 64.0728% | 3,392 |
| Net loans and leases to deposits | 73.4102% | 3,590 |
| Net loans and leases to core deposits | 78.8026% | 3,512 |
| Total domestic deposits to total assets | 87.2806% | 1,730 |
| Equity capital to assets | 9.4819% | 4,123 |
| Core capital (leverage) ratio | 9.0685% | 4,623 |
| Tier 1 risk-based capital ratio | 13.8517% | 3,434 |
| Total risk-based capital ratio | 14.8483% | 3,471 |
| Memoranda: | ||
| Average total assets | $426,545,000 | 1,621 |
| Average earning assets | $401,474,670 | 1,602 |
| Average equity | $41,096,670 | 1,821 |
| Average total loans | $274,303,330 | 1,715 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 3,478 |
| Cost of funding earning assets | 0.3075% | 4,298 |
| Net interest margin | 3.7297% | 2,694 |
| Noninterest income to average assets | 0.7362% | 1,679 |
| Noninterest expense to average assets | 2.5775% | 3,407 |
| Loan and lease loss provision to assets | 0.1412% | 1,335 |
| Net operating income to assets | 1.2144% | 1,945 |
| Return on assets (ROA) | 1.2144% | 1,955 |
| Pretax return on assets | 1.5344% | 1,584 |
| Return on Equity (ROE) | 12.5038% | 1,408 |
| Retained earnings to average equity (ytd only) | 2.3263% | 4,235 |
| Net charge-offs to loans | 0.0352% | 1,818 |
| Credit loss provision to net charge-offs | 625.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 74.1667% | 741 |
| Efficiency ratio | 59.4068% | 4,145 |
| Assets per employee ($millions) | 4.5471% | 3,080 |
| Cash dividends to net income (ytd only)* | 81.3953% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 3,989 |
| Loan loss allowance to noncurrent loans | 109.6177% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.4704% | 959 |
| Noncurrent loans to loans | 0.9087% | 2,000 |
| Net loans and leases to total assets | 63.3447% | 3,390 |
| Net loans and leases to deposits | 72.5329% | 3,550 |
| Net loans and leases to core deposits | 77.7057% | 3,519 |
| Total domestic deposits to total assets | 87.3325% | 1,989 |
| Equity capital to assets | 9.5131% | 4,079 |
| Core capital (leverage) ratio | 9.1839% | 4,455 |
| Tier 1 risk-based capital ratio | 14.0671% | 3,345 |
| Total risk-based capital ratio | 15.0570% | 3,401 |
| Memoranda: | ||
| Average total assets | $424,909,000 | 1,635 |
| Average earning assets | $400,675,500 | 1,614 |
| Average equity | $41,267,500 | 1,822 |
| Average total loans | $272,347,000 | 1,727 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0041% | 3,394 |
| Cost of funding earning assets | 0.2902% | 4,222 |
| Net interest margin | 3.7139% | 2,741 |
| Noninterest income to average assets | 0.7030% | 1,949 |
| Noninterest expense to average assets | 2.3555% | 4,198 |
| Loan and lease loss provision to assets | 0.1189% | 1,922 |
| Net operating income to assets | 1.0702% | 1,976 |
| Return on assets (ROA) | 1.0702% | 2,001 |
| Pretax return on assets | 1.7533% | 888 |
| Return on Equity (ROE) | 10.7238% | 1,575 |
| Retained earnings to average equity (ytd only) | 2.3473% | 3,919 |
| Net charge-offs to loans | 0.1520% | 1,587 |
| Credit loss provision to net charge-offs | 120.1923% | 2,174 |
| Earnings coverage of net charge-offs (x) | 18.9231% | 2,052 |
| Efficiency ratio | 54.5061% | 4,907 |
| Assets per employee ($millions) | 4.4463% | 3,279 |
| Cash dividends to net income (ytd only)* | 78.1111% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 4,172 |
| Loan loss allowance to noncurrent loans | 107.2667% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.4998% | 912 |
| Noncurrent loans to loans | 0.8930% | 1,989 |
| Net loans and leases to total assets | 63.5950% | 3,409 |
| Net loans and leases to deposits | 73.2801% | 3,571 |
| Net loans and leases to core deposits | 78.4023% | 3,556 |
| Total domestic deposits to total assets | 86.7835% | 2,097 |
| Equity capital to assets | 9.9135% | 3,800 |
| Core capital (leverage) ratio | 9.0262% | 4,618 |
| Tier 1 risk-based capital ratio | 13.8565% | 3,442 |
| Total risk-based capital ratio | 14.7979% | 3,510 |
| Memoranda: | ||
| Average total assets | $420,464,800 | 1,633 |
| Average earning assets | $399,043,400 | 1,597 |
| Average equity | $41,962,800 | 1,777 |
| Average total loans | $273,692,200 | 1,695 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9687% | 3,468 |
| Cost of funding earning assets | 0.2841% | 4,277 |
| Net interest margin | 3.6846% | 2,809 |
| Noninterest income to average assets | 0.7454% | 1,806 |
| Noninterest expense to average assets | 2.3835% | 4,063 |
| Loan and lease loss provision to assets | 0.1587% | 1,297 |
| Net operating income to assets | 1.1140% | 2,027 |
| Return on assets (ROA) | 1.1140% | 2,086 |
| Pretax return on assets | 1.7064% | 1,106 |
| Return on Equity (ROE) | 11.1434% | 1,633 |
| Retained earnings to average equity (ytd only) | 2.8390% | 4,210 |
| Net charge-offs to loans | 0.0778% | 2,030 |
| Credit loss provision to net charge-offs | 312.5000% | 954 |
| Earnings coverage of net charge-offs (x) | 36.7184% | 1,384 |
| Efficiency ratio | 54.8905% | 4,861 |
| Assets per employee ($millions) | 4.5715% | 3,010 |
| Cash dividends to net income (ytd only)* | 74.5227% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,766 |
| Loan loss allowance to noncurrent loans | 50.1141% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.4952% | 1,018 |
| Noncurrent loans to loans | 2.1025% | 785 |
| Net loans and leases to total assets | 63.0389% | 3,547 |
| Net loans and leases to deposits | 73.3292% | 3,634 |
| Net loans and leases to core deposits | 78.5040% | 3,590 |
| Total domestic deposits to total assets | 85.9670% | 2,327 |
| Equity capital to assets | 10.0598% | 3,848 |
| Core capital (leverage) ratio | 9.1310% | 4,596 |
| Tier 1 risk-based capital ratio | 14.0430% | 3,422 |
| Total risk-based capital ratio | 15.0927% | 3,446 |
| Memoranda: | ||
| Average total assets | $419,982,250 | 1,643 |
| Average earning assets | $399,314,000 | 1,613 |
| Average equity | $41,985,000 | 1,789 |
| Average total loans | $274,310,250 | 1,696 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9655% | 3,332 |
| Cost of funding earning assets | 0.2783% | 4,308 |
| Net interest margin | 3.6872% | 2,695 |
| Noninterest income to average assets | 0.7393% | 1,815 |
| Noninterest expense to average assets | 2.3894% | 4,075 |
| Loan and lease loss provision to assets | 0.1674% | 1,180 |
| Net operating income to assets | 1.0998% | 1,975 |
| Return on assets (ROA) | 1.0998% | 2,029 |
| Pretax return on assets | 1.6856% | 1,092 |
| Return on Equity (ROE) | 11.0249% | 1,633 |
| Retained earnings to average equity (ytd only) | 2.6364% | 4,122 |
| Net charge-offs to loans | 0.0770% | 1,852 |
| Credit loss provision to net charge-offs | 330.1887% | 898 |
| Earnings coverage of net charge-offs (x) | 36.5566% | 1,331 |
| Efficiency ratio | 55.1060% | 4,915 |
| Assets per employee ($millions) | 4.5569% | 3,020 |
| Cash dividends to net income (ytd only)* | 76.0870% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 4,123 |
| Loan loss allowance to noncurrent loans | 49.3293% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.4755% | 1,045 |
| Noncurrent loans to loans | 2.0360% | 821 |
| Net loans and leases to total assets | 64.8439% | 3,273 |
| Net loans and leases to deposits | 75.4517% | 3,415 |
| Net loans and leases to core deposits | 80.8962% | 3,354 |
| Total domestic deposits to total assets | 85.9410% | 2,394 |
| Equity capital to assets | 10.1238% | 3,767 |
| Core capital (leverage) ratio | 9.0218% | 4,699 |
| Tier 1 risk-based capital ratio | 13.7221% | 3,575 |
| Total risk-based capital ratio | 14.7236% | 3,630 |
| Memoranda: | ||
| Average total assets | $418,260,670 | 1,650 |
| Average earning assets | $397,378,330 | 1,621 |
| Average equity | $41,723,670 | 1,795 |
| Average total loans | $275,459,670 | 1,690 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 3,232 |
| Cost of funding earning assets | 0.2714% | 4,343 |
| Net interest margin | 3.6714% | 2,600 |
| Noninterest income to average assets | 0.7363% | 1,798 |
| Noninterest expense to average assets | 2.3190% | 4,355 |
| Loan and lease loss provision to assets | 0.1436% | 1,303 |
| Net operating income to assets | 1.1461% | 1,687 |
| Return on assets (ROA) | 1.1461% | 1,723 |
| Pretax return on assets | 1.7579% | 888 |
| Return on Equity (ROE) | 11.5753% | 1,381 |
| Retained earnings to average equity (ytd only) | 2.8721% | 3,982 |
| Net charge-offs to loans | 0.1203% | 1,205 |
| Credit loss provision to net charge-offs | 180.7229% | 1,085 |
| Earnings coverage of net charge-offs (x) | 23.9277% | 1,376 |
| Efficiency ratio | 53.7205% | 5,154 |
| Assets per employee ($millions) | 4.6784% | 2,877 |
| Cash dividends to net income (ytd only)* | 75.1880% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 4,604 |
| Loan loss allowance to noncurrent loans | 46.2048% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 1.4863% | 1,085 |
| Noncurrent loans to loans | 2.0346% | 871 |
| Net loans and leases to total assets | 64.5916% | 3,185 |
| Net loans and leases to deposits | 75.1025% | 3,291 |
| Net loans and leases to core deposits | 80.3069% | 3,261 |
| Total domestic deposits to total assets | 86.0045% | 2,659 |
| Equity capital to assets | 9.9338% | 3,838 |
| Core capital (leverage) ratio | 9.0591% | 4,667 |
| Tier 1 risk-based capital ratio | 13.5984% | 3,723 |
| Total risk-based capital ratio | 14.5348% | 3,819 |
| Memoranda: | ||
| Average total assets | $417,771,500 | 1,667 |
| Average earning assets | $396,468,000 | 1,635 |
| Average equity | $41,364,000 | 1,801 |
| Average total loans | $275,885,000 | 1,696 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 3,129 |
| Cost of funding earning assets | 0.2455% | 4,607 |
| Net interest margin | 3.7715% | 2,424 |
| Noninterest income to average assets | 0.7028% | 2,158 |
| Noninterest expense to average assets | 2.3979% | 4,303 |
| Loan and lease loss provision to assets | 0.1347% | 1,855 |
| Net operating income to assets | 1.1340% | 1,753 |
| Return on assets (ROA) | 1.1340% | 1,849 |
| Pretax return on assets | 1.7415% | 911 |
| Return on Equity (ROE) | 10.9424% | 1,600 |
| Retained earnings to average equity (ytd only) | 2.7001% | 3,986 |
| Net charge-offs to loans | 0.1364% | 1,883 |
| Credit loss provision to net charge-offs | 150.4178% | 1,819 |
| Earnings coverage of net charge-offs (x) | 20.9554% | 1,824 |
| Efficiency ratio | 54.8489% | 5,166 |
| Assets per employee ($millions) | 4.5053% | 3,105 |
| Cash dividends to net income (ytd only)* | 75.3244% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 4,760 |
| Loan loss allowance to noncurrent loans | 53.3985% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.3067% | 1,342 |
| Noncurrent loans to loans | 1.6983% | 1,140 |
| Net loans and leases to total assets | 66.2767% | 3,036 |
| Net loans and leases to deposits | 77.1740% | 3,193 |
| Net loans and leases to core deposits | 82.8511% | 3,140 |
| Total domestic deposits to total assets | 85.8796% | 2,641 |
| Equity capital to assets | 9.8679% | 3,861 |
| Core capital (leverage) ratio | 9.1377% | 4,570 |
| Tier 1 risk-based capital ratio | 13.4207% | 3,820 |
| Total risk-based capital ratio | 14.3274% | 3,930 |
| Memoranda: | ||
| Average total assets | $400,974,600 | 1,678 |
| Average earning assets | $379,691,400 | 1,639 |
| Average equity | $41,554,000 | 1,784 |
| Average total loans | $263,265,600 | 1,712 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0127% | 3,181 |
| Cost of funding earning assets | 0.2376% | 4,728 |
| Net interest margin | 3.7750% | 2,429 |
| Noninterest income to average assets | 0.6828% | 2,250 |
| Noninterest expense to average assets | 2.4346% | 4,179 |
| Loan and lease loss provision to assets | 0.1358% | 1,730 |
| Net operating income to assets | 1.0989% | 2,001 |
| Return on assets (ROA) | 1.0989% | 2,104 |
| Pretax return on assets | 1.6871% | 1,147 |
| Return on Equity (ROE) | 10.4734% | 1,880 |
| Retained earnings to average equity (ytd only) | 2.1637% | 4,612 |
| Net charge-offs to loans | 0.0626% | 2,459 |
| Credit loss provision to net charge-offs | 331.9672% | 960 |
| Earnings coverage of net charge-offs (x) | 44.5581% | 1,160 |
| Efficiency ratio | 55.9074% | 5,074 |
| Assets per employee ($millions) | 4.3813% | 3,282 |
| Cash dividends to net income (ytd only)* | 79.3409% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 4,618 |
| Loan loss allowance to noncurrent loans | 322.1675% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.3548% | 3,989 |
| Noncurrent loans to loans | 0.2979% | 4,187 |
| Net loans and leases to total assets | 66.9803% | 2,959 |
| Net loans and leases to deposits | 78.4565% | 3,140 |
| Net loans and leases to core deposits | 84.2735% | 3,097 |
| Total domestic deposits to total assets | 85.3725% | 2,651 |
| Equity capital to assets | 10.5427% | 3,517 |
| Core capital (leverage) ratio | 9.1370% | 4,676 |
| Tier 1 risk-based capital ratio | 13.7322% | 3,723 |
| Total risk-based capital ratio | 14.7104% | 3,795 |
| Memoranda: | ||
| Average total assets | $397,597,000 | 1,696 |
| Average earning assets | $376,499,250 | 1,650 |
| Average equity | $41,717,250 | 1,784 |
| Average total loans | $259,776,750 | 1,736 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9663% | 3,363 |
| Cost of funding earning assets | 0.2282% | 4,866 |
| Net interest margin | 3.7382% | 2,560 |
| Noninterest income to average assets | 0.7722% | 1,837 |
| Noninterest expense to average assets | 2.4307% | 4,231 |
| Loan and lease loss provision to assets | 0.1364% | 1,664 |
| Net operating income to assets | 1.1330% | 1,839 |
| Return on assets (ROA) | 1.1330% | 1,953 |
| Pretax return on assets | 1.7404% | 1,000 |
| Return on Equity (ROE) | 10.8158% | 1,713 |
| Retained earnings to average equity (ytd only) | 2.8559% | 4,083 |
| Net charge-offs to loans | 0.0172% | 3,168 |
| Credit loss provision to net charge-offs | 1,227.2727% | 316 |
| Earnings coverage of net charge-offs (x) | 168.8182% | 378 |
| Efficiency ratio | 55.1619% | 5,226 |
| Assets per employee ($millions) | 4.3446% | 3,305 |
| Cash dividends to net income (ytd only)* | 73.5950% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 4,759 |
| Loan loss allowance to noncurrent loans | 285.8250% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 3,744 |
| Noncurrent loans to loans | 0.3323% | 4,170 |
| Net loans and leases to total assets | 66.6114% | 2,997 |
| Net loans and leases to deposits | 79.7899% | 2,955 |
| Net loans and leases to core deposits | 86.3165% | 2,871 |
| Total domestic deposits to total assets | 83.4835% | 3,473 |
| Equity capital to assets | 10.4850% | 3,648 |
| Core capital (leverage) ratio | 9.3915% | 4,347 |
| Tier 1 risk-based capital ratio | 13.9031% | 3,659 |
| Total risk-based capital ratio | 14.8834% | 3,732 |
| Memoranda: | ||
| Average total assets | $395,770,330 | 1,706 |
| Average earning assets | $374,301,000 | 1,666 |
| Average equity | $41,458,000 | 1,790 |
| Average total loans | $255,503,000 | 1,765 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 3,382 |
| Cost of funding earning assets | 0.2343% | 4,863 |
| Net interest margin | 3.7217% | 2,586 |
| Noninterest income to average assets | 0.7323% | 1,892 |
| Noninterest expense to average assets | 2.4268% | 4,296 |
| Loan and lease loss provision to assets | 0.1379% | 1,517 |
| Net operating income to assets | 1.0980% | 1,912 |
| Return on assets (ROA) | 1.0980% | 2,007 |
| Pretax return on assets | 1.6883% | 1,097 |
| Return on Equity (ROE) | 10.4865% | 1,785 |
| Retained earnings to average equity (ytd only) | 3.1703% | 3,926 |
| Net charge-offs to loans | 0.0243% | 2,447 |
| Credit loss provision to net charge-offs | 900.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 119.2000% | 474 |
| Efficiency ratio | 55.7637% | 5,213 |
| Assets per employee ($millions) | 4.2346% | 3,530 |
| Cash dividends to net income (ytd only)* | 69.7674% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 4,784 |
| Loan loss allowance to noncurrent loans | 251.0747% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.4822% | 3,672 |
| Noncurrent loans to loans | 0.3840% | 4,068 |
| Net loans and leases to total assets | 63.9898% | 3,241 |
| Net loans and leases to deposits | 74.5588% | 3,365 |
| Net loans and leases to core deposits | 81.0041% | 3,234 |
| Total domestic deposits to total assets | 85.8246% | 2,752 |
| Equity capital to assets | 10.5585% | 3,417 |
| Core capital (leverage) ratio | 9.3903% | 4,359 |
| Tier 1 risk-based capital ratio | 14.3702% | 3,457 |
| Total risk-based capital ratio | 15.3414% | 3,559 |
| Memoranda: | ||
| Average total assets | $391,633,000 | 1,724 |
| Average earning assets | $370,475,500 | 1,680 |
| Average equity | $41,005,000 | 1,805 |
| Average total loans | $247,394,000 | 1,816 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 3,506 |
| Cost of funding earning assets | 0.2691% | 4,595 |
| Net interest margin | 3.6843% | 2,807 |
| Noninterest income to average assets | 0.6835% | 2,276 |
| Noninterest expense to average assets | 2.5942% | 3,945 |
| Loan and lease loss provision to assets | 0.0234% | 3,918 |
| Net operating income to assets | 1.0099% | 2,312 |
| Return on assets (ROA) | 1.0099% | 2,400 |
| Pretax return on assets | 1.5408% | 1,434 |
| Return on Equity (ROE) | 9.6074% | 2,171 |
| Retained earnings to average equity (ytd only) | 2.5188% | 4,278 |
| Net charge-offs to loans | 0.0735% | 2,781 |
| Credit loss provision to net charge-offs | 50.5618% | 3,396 |
| Earnings coverage of net charge-offs (x) | 33.7865% | 1,332 |
| Efficiency ratio | 61.0395% | 4,755 |
| Assets per employee ($millions) | 4.1431% | 3,672 |
| Cash dividends to net income (ytd only)* | 73.7832% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 4,763 |
| Loan loss allowance to noncurrent loans | 234.2369% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 3,626 |
| Noncurrent loans to loans | 0.4144% | 3,963 |
| Net loans and leases to total assets | 61.1118% | 3,677 |
| Net loans and leases to deposits | 70.9321% | 3,820 |
| Net loans and leases to core deposits | 77.1680% | 3,653 |
| Total domestic deposits to total assets | 86.1553% | 2,568 |
| Equity capital to assets | 10.3811% | 3,517 |
| Core capital (leverage) ratio | 9.2429% | 4,556 |
| Tier 1 risk-based capital ratio | 15.1720% | 3,095 |
| Total risk-based capital ratio | 16.1577% | 3,150 |
| Memoranda: | ||
| Average total assets | $384,476,400 | 1,710 |
| Average earning assets | $362,624,200 | 1,669 |
| Average equity | $40,416,800 | 1,780 |
| Average total loans | $242,282,200 | 1,782 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9779% | 3,421 |
| Cost of funding earning assets | 0.2716% | 4,647 |
| Net interest margin | 3.7064% | 2,742 |
| Noninterest income to average assets | 0.7407% | 2,062 |
| Noninterest expense to average assets | 2.6222% | 3,793 |
| Loan and lease loss provision to assets | 0.0139% | 3,996 |
| Net operating income to assets | 1.0479% | 2,225 |
| Return on assets (ROA) | 1.0479% | 2,327 |
| Pretax return on assets | 1.5990% | 1,384 |
| Return on Equity (ROE) | 9.9370% | 2,130 |
| Retained earnings to average equity (ytd only) | 2.6294% | 4,537 |
| Net charge-offs to loans | 0.0500% | 2,901 |
| Credit loss provision to net charge-offs | 43.9560% | 3,115 |
| Earnings coverage of net charge-offs (x) | 50.9452% | 1,029 |
| Efficiency ratio | 60.5849% | 4,803 |
| Assets per employee ($millions) | 4.0008% | 3,875 |
| Cash dividends to net income (ytd only)* | 73.5392% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 4,827 |
| Loan loss allowance to noncurrent loans | 259.2998% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 3,532 |
| Noncurrent loans to loans | 0.3791% | 4,254 |
| Net loans and leases to total assets | 62.1596% | 3,583 |
| Net loans and leases to deposits | 72.0072% | 3,768 |
| Net loans and leases to core deposits | 78.8504% | 3,523 |
| Total domestic deposits to total assets | 86.3241% | 2,370 |
| Equity capital to assets | 10.6500% | 3,411 |
| Core capital (leverage) ratio | 9.3055% | 4,578 |
| Tier 1 risk-based capital ratio | 15.1960% | 3,189 |
| Total risk-based capital ratio | 16.2057% | 3,260 |
| Memoranda: | ||
| Average total assets | $383,233,000 | 1,728 |
| Average earning assets | $361,316,500 | 1,690 |
| Average equity | $40,413,750 | 1,798 |
| Average total loans | $242,769,500 | 1,782 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9667% | 3,420 |
| Cost of funding earning assets | 0.2729% | 4,688 |
| Net interest margin | 3.6938% | 2,732 |
| Noninterest income to average assets | 0.7113% | 2,171 |
| Noninterest expense to average assets | 2.6270% | 3,826 |
| Loan and lease loss provision to assets | 0.0131% | 3,860 |
| Net operating income to assets | 1.0158% | 2,310 |
| Return on assets (ROA) | 1.0158% | 2,420 |
| Pretax return on assets | 1.5495% | 1,489 |
| Return on Equity (ROE) | 9.6645% | 2,224 |
| Retained earnings to average equity (ytd only) | 2.5093% | 4,454 |
| Net charge-offs to loans | 0.0518% | 2,682 |
| Credit loss provision to net charge-offs | 39.6825% | 2,823 |
| Earnings coverage of net charge-offs (x) | 47.4921% | 991 |
| Efficiency ratio | 61.3563% | 4,780 |
| Assets per employee ($millions) | 3.9140% | 4,045 |
| Cash dividends to net income (ytd only)* | 74.0360% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 5,053 |
| Loan loss allowance to noncurrent loans | 275.4913% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 3,782 |
| Noncurrent loans to loans | 0.3492% | 4,444 |
| Net loans and leases to total assets | 63.3189% | 3,367 |
| Net loans and leases to deposits | 72.9598% | 3,620 |
| Net loans and leases to core deposits | 79.8852% | 3,398 |
| Total domestic deposits to total assets | 86.7859% | 2,272 |
| Equity capital to assets | 10.3789% | 3,583 |
| Core capital (leverage) ratio | 9.1135% | 4,802 |
| Tier 1 risk-based capital ratio | 14.6631% | 3,545 |
| Total risk-based capital ratio | 15.6515% | 3,614 |
| Memoranda: | ||
| Average total assets | $382,952,000 | 1,738 |
| Average earning assets | $360,601,670 | 1,699 |
| Average equity | $40,250,330 | 1,813 |
| Average total loans | $243,322,670 | 1,787 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 3,312 |
| Cost of funding earning assets | 0.2726% | 4,755 |
| Net interest margin | 3.7034% | 2,605 |
| Noninterest income to average assets | 0.6483% | 2,409 |
| Noninterest expense to average assets | 2.6311% | 3,821 |
| Loan and lease loss provision to assets | -0.1156% | 6,215 |
| Net operating income to assets | 1.0655% | 1,983 |
| Return on assets (ROA) | 1.0655% | 2,107 |
| Pretax return on assets | 1.6160% | 1,232 |
| Return on Equity (ROE) | 10.0728% | 1,970 |
| Retained earnings to average equity (ytd only) | 3.1192% | 4,114 |
| Net charge-offs to loans | 0.0946% | 1,780 |
| Credit loss provision to net charge-offs | -192.9825% | 4,603 |
| Earnings coverage of net charge-offs (x) | 25.0526% | 1,279 |
| Efficiency ratio | 62.3093% | 4,749 |
| Assets per employee ($millions) | 3.7699% | 4,392 |
| Cash dividends to net income (ytd only)* | 69.0335% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 5,268 |
| Loan loss allowance to noncurrent loans | 210.2612% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 3,688 |
| Noncurrent loans to loans | 0.4497% | 4,235 |
| Net loans and leases to total assets | 60.8129% | 3,551 |
| Net loans and leases to deposits | 70.1767% | 3,732 |
| Net loans and leases to core deposits | 76.4587% | 3,542 |
| Total domestic deposits to total assets | 86.6568% | 2,571 |
| Equity capital to assets | 10.4701% | 3,565 |
| Core capital (leverage) ratio | 9.3303% | 4,520 |
| Tier 1 risk-based capital ratio | 15.2040% | 3,317 |
| Total risk-based capital ratio | 16.1793% | 3,404 |
| Memoranda: | ||
| Average total assets | $380,684,000 | 1,753 |
| Average earning assets | $358,046,000 | 1,713 |
| Average equity | $40,267,000 | 1,819 |
| Average total loans | $241,116,000 | 1,800 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 3,098 |
| Cost of funding earning assets | 0.2962% | 4,829 |
| Net interest margin | 3.8602% | 2,393 |
| Noninterest income to average assets | 0.8024% | 1,869 |
| Noninterest expense to average assets | 2.6722% | 3,967 |
| Loan and lease loss provision to assets | -0.0114% | 5,921 |
| Net operating income to assets | 1.1523% | 1,765 |
| Return on assets (ROA) | 1.1573% | 1,809 |
| Pretax return on assets | 1.7589% | 872 |
| Return on Equity (ROE) | 10.6288% | 1,845 |
| Retained earnings to average equity (ytd only) | -1.2100% | 5,946 |
| Net charge-offs to loans | 0.1260% | 2,767 |
| Credit loss provision to net charge-offs | -14.2857% | 5,329 |
| Earnings coverage of net charge-offs (x) | 21.8776% | 1,656 |
| Efficiency ratio | 59.2459% | 5,315 |
| Assets per employee ($millions) | 3.4866% | 4,927 |
| Cash dividends to net income (ytd only)* | 111.3838% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 5,101 |
| Loan loss allowance to noncurrent loans | 216.9355% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6720% | 3,562 |
| Noncurrent loans to loans | 0.4577% | 4,279 |
| Net loans and leases to total assets | 64.7122% | 3,106 |
| Net loans and leases to deposits | 74.3575% | 3,389 |
| Net loans and leases to core deposits | 81.0236% | 3,194 |
| Total domestic deposits to total assets | 87.0285% | 2,268 |
| Equity capital to assets | 10.6893% | 3,250 |
| Core capital (leverage) ratio | 9.2019% | 4,679 |
| Tier 1 risk-based capital ratio | 15.0375% | 3,465 |
| Total risk-based capital ratio | 16.0983% | 3,507 |
| Memoranda: | ||
| Average total assets | $369,659,600 | 1,756 |
| Average earning assets | $345,680,800 | 1,730 |
| Average equity | $40,249,000 | 1,771 |
| Average total loans | $233,372,400 | 1,803 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 3,163 |
| Cost of funding earning assets | 0.2976% | 4,907 |
| Net interest margin | 3.8550% | 2,415 |
| Noninterest income to average assets | 0.8008% | 1,894 |
| Noninterest expense to average assets | 2.6152% | 4,150 |
| Loan and lease loss provision to assets | -0.0586% | 6,209 |
| Net operating income to assets | 1.2189% | 1,613 |
| Return on assets (ROA) | 1.2255% | 1,654 |
| Pretax return on assets | 1.8596% | 778 |
| Return on Equity (ROE) | 11.2040% | 1,712 |
| Retained earnings to average equity (ytd only) | 2.8588% | 4,565 |
| Net charge-offs to loans | 0.1161% | 2,640 |
| Credit loss provision to net charge-offs | -80.5970% | 5,418 |
| Earnings coverage of net charge-offs (x) | 24.6471% | 1,534 |
| Efficiency ratio | 58.0243% | 5,442 |
| Assets per employee ($millions) | 3.5857% | 4,704 |
| Cash dividends to net income (ytd only)* | 74.4837% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 5,238 |
| Loan loss allowance to noncurrent loans | 154.0541% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.8179% | 3,379 |
| Noncurrent loans to loans | 0.6465% | 3,996 |
| Net loans and leases to total assets | 63.8154% | 3,205 |
| Net loans and leases to deposits | 74.3111% | 3,398 |
| Net loans and leases to core deposits | 81.3809% | 3,164 |
| Total domestic deposits to total assets | 85.8759% | 2,915 |
| Equity capital to assets | 10.9957% | 2,960 |
| Core capital (leverage) ratio | 9.6535% | 4,147 |
| Tier 1 risk-based capital ratio | 15.7602% | 3,181 |
| Total risk-based capital ratio | 16.8196% | 3,215 |
| Memoranda: | ||
| Average total assets | $368,808,500 | 1,777 |
| Average earning assets | $344,930,750 | 1,745 |
| Average equity | $40,341,750 | 1,776 |
| Average total loans | $230,755,750 | 1,825 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1622% | 3,094 |
| Cost of funding earning assets | 0.3010% | 4,958 |
| Net interest margin | 3.8612% | 2,324 |
| Noninterest income to average assets | 0.7696% | 1,962 |
| Noninterest expense to average assets | 2.6110% | 4,205 |
| Loan and lease loss provision to assets | -0.0991% | 6,373 |
| Net operating income to assets | 1.2301% | 1,504 |
| Return on assets (ROA) | 1.2301% | 1,563 |
| Pretax return on assets | 1.8670% | 734 |
| Return on Equity (ROE) | 11.2659% | 1,639 |
| Retained earnings to average equity (ytd only) | 2.6669% | 4,508 |
| Net charge-offs to loans | 0.1433% | 2,242 |
| Credit loss provision to net charge-offs | -111.6564% | 5,280 |
| Earnings coverage of net charge-offs (x) | 19.9264% | 1,603 |
| Efficiency ratio | 58.2846% | 5,522 |
| Assets per employee ($millions) | 3.4418% | 4,967 |
| Cash dividends to net income (ytd only)* | 76.3274% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 5,093 |
| Loan loss allowance to noncurrent loans | 203.2013% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 3,907 |
| Noncurrent loans to loans | 0.5191% | 4,449 |
| Net loans and leases to total assets | 61.4342% | 3,498 |
| Net loans and leases to deposits | 70.4381% | 3,762 |
| Net loans and leases to core deposits | 75.7479% | 3,648 |
| Total domestic deposits to total assets | 87.2172% | 2,340 |
| Equity capital to assets | 11.0957% | 2,793 |
| Core capital (leverage) ratio | 9.5687% | 4,224 |
| Tier 1 risk-based capital ratio | 16.6156% | 2,776 |
| Total risk-based capital ratio | 17.7530% | 2,792 |
| Memoranda: | ||
| Average total assets | $367,441,330 | 1,785 |
| Average earning assets | $343,470,330 | 1,745 |
| Average equity | $40,121,000 | 1,775 |
| Average total loans | $227,551,670 | 1,844 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2655% | 2,651 |
| Cost of funding earning assets | 0.3041% | 5,023 |
| Net interest margin | 3.9614% | 1,884 |
| Noninterest income to average assets | 0.7247% | 2,058 |
| Noninterest expense to average assets | 2.4619% | 4,754 |
| Loan and lease loss provision to assets | -0.1798% | 6,552 |
| Net operating income to assets | 1.4222% | 948 |
| Return on assets (ROA) | 1.4222% | 990 |
| Pretax return on assets | 2.1481% | 392 |
| Return on Equity (ROE) | 13.1319% | 1,131 |
| Retained earnings to average equity (ytd only) | 4.0754% | 3,673 |
| Net charge-offs to loans | 0.0317% | 2,956 |
| Credit loss provision to net charge-offs | -916.6667% | 5,314 |
| Earnings coverage of net charge-offs (x) | 100.3333% | 461 |
| Efficiency ratio | 54.2435% | 5,992 |
| Assets per employee ($millions) | 3.7060% | 4,508 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 4,927 |
| Loan loss allowance to noncurrent loans | 237.2350% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 4,109 |
| Noncurrent loans to loans | 0.4799% | 4,722 |
| Net loans and leases to total assets | 60.3059% | 3,507 |
| Net loans and leases to deposits | 69.1119% | 3,724 |
| Net loans and leases to core deposits | 73.8649% | 3,662 |
| Total domestic deposits to total assets | 87.2584% | 2,661 |
| Equity capital to assets | 10.8998% | 2,825 |
| Core capital (leverage) ratio | 9.5915% | 4,144 |
| Tier 1 risk-based capital ratio | 16.6731% | 2,826 |
| Total risk-based capital ratio | 17.8976% | 2,803 |
| Memoranda: | ||
| Average total assets | $367,027,500 | 1,790 |
| Average earning assets | $343,315,000 | 1,754 |
| Average equity | $39,750,500 | 1,779 |
| Average total loans | $227,000,000 | 1,850 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 3,447 |
| Cost of funding earning assets | 0.3828% | 4,819 |
| Net interest margin | 3.7895% | 2,685 |
| Noninterest income to average assets | 0.7671% | 2,230 |
| Noninterest expense to average assets | 2.3870% | 5,108 |
| Loan and lease loss provision to assets | -0.0746% | 6,441 |
| Net operating income to assets | 1.3175% | 1,210 |
| Return on assets (ROA) | 1.3792% | 1,107 |
| Pretax return on assets | 2.0976% | 386 |
| Return on Equity (ROE) | 12.5690% | 1,259 |
| Retained earnings to average equity (ytd only) | 2.8596% | 4,214 |
| Net charge-offs to loans | -0.0377% | 6,270 |
| Credit loss provision to net charge-offs | 327.3810% | 700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7886% | 6,157 |
| Assets per employee ($millions) | 3.5632% | 4,774 |
| Cash dividends to net income (ytd only)* | 77.2486% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 4,610 |
| Loan loss allowance to noncurrent loans | 132.3572% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 3,526 |
| Noncurrent loans to loans | 0.9139% | 3,699 |
| Net loans and leases to total assets | 61.9542% | 3,369 |
| Net loans and leases to deposits | 70.7889% | 3,682 |
| Net loans and leases to core deposits | 75.3372% | 3,690 |
| Total domestic deposits to total assets | 87.5196% | 2,467 |
| Equity capital to assets | 10.7596% | 2,867 |
| Core capital (leverage) ratio | 9.5175% | 4,236 |
| Tier 1 risk-based capital ratio | 16.4537% | 2,877 |
| Total risk-based capital ratio | 17.6748% | 2,850 |
| Memoranda: | ||
| Average total assets | $368,415,000 | 1,770 |
| Average earning assets | $345,088,800 | 1,734 |
| Average equity | $40,425,000 | 1,728 |
| Average total loans | $223,064,600 | 1,834 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 3,533 |
| Cost of funding earning assets | 0.3982% | 4,831 |
| Net interest margin | 3.7600% | 2,801 |
| Noninterest income to average assets | 0.8397% | 1,979 |
| Noninterest expense to average assets | 2.3639% | 5,135 |
| Loan and lease loss provision to assets | -0.0090% | 6,465 |
| Net operating income to assets | 1.3201% | 1,296 |
| Return on assets (ROA) | 1.3201% | 1,354 |
| Pretax return on assets | 2.0094% | 569 |
| Return on Equity (ROE) | 11.9738% | 1,480 |
| Retained earnings to average equity (ytd only) | 3.2224% | 4,382 |
| Net charge-offs to loans | -0.1268% | 6,556 |
| Credit loss provision to net charge-offs | 11.8483% | 4,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6281% | 6,216 |
| Assets per employee ($millions) | 3.6224% | 4,617 |
| Cash dividends to net income (ytd only)* | 73.0875% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 4,092 |
| Loan loss allowance to noncurrent loans | 90.0575% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.3683% | 2,909 |
| Noncurrent loans to loans | 1.5076% | 2,909 |
| Net loans and leases to total assets | 62.2363% | 3,320 |
| Net loans and leases to deposits | 72.9673% | 3,410 |
| Net loans and leases to core deposits | 77.9392% | 3,369 |
| Total domestic deposits to total assets | 85.2935% | 3,585 |
| Equity capital to assets | 10.9934% | 2,765 |
| Core capital (leverage) ratio | 9.5001% | 4,406 |
| Tier 1 risk-based capital ratio | 16.3514% | 3,012 |
| Total risk-based capital ratio | 17.6085% | 2,979 |
| Memoranda: | ||
| Average total assets | $369,656,000 | 1,774 |
| Average earning assets | $346,512,250 | 1,741 |
| Average equity | $40,754,750 | 1,730 |
| Average total loans | $221,848,250 | 1,848 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1285% | 3,628 |
| Cost of funding earning assets | 0.4118% | 4,844 |
| Net interest margin | 3.7168% | 2,890 |
| Noninterest income to average assets | 0.8077% | 2,154 |
| Noninterest expense to average assets | 2.3757% | 5,119 |
| Loan and lease loss provision to assets | -0.0135% | 6,582 |
| Net operating income to assets | 1.2720% | 1,396 |
| Return on assets (ROA) | 1.2720% | 1,496 |
| Pretax return on assets | 1.9303% | 696 |
| Return on Equity (ROE) | 11.5262% | 1,630 |
| Retained earnings to average equity (ytd only) | 3.3421% | 4,188 |
| Net charge-offs to loans | -0.2358% | 6,708 |
| Credit loss provision to net charge-offs | 9.6899% | 3,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7872% | 6,163 |
| Assets per employee ($millions) | 3.5155% | 4,819 |
| Cash dividends to net income (ytd only)* | 71.0047% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 3,863 |
| Loan loss allowance to noncurrent loans | 87.1030% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.5201% | 2,826 |
| Noncurrent loans to loans | 1.6490% | 2,842 |
| Net loans and leases to total assets | 59.1379% | 3,808 |
| Net loans and leases to deposits | 67.4884% | 4,079 |
| Net loans and leases to core deposits | 71.8896% | 4,056 |
| Total domestic deposits to total assets | 87.6267% | 2,478 |
| Equity capital to assets | 10.8901% | 2,863 |
| Core capital (leverage) ratio | 9.3648% | 4,446 |
| Tier 1 risk-based capital ratio | 16.6481% | 2,866 |
| Total risk-based capital ratio | 17.9020% | 2,833 |
| Memoranda: | ||
| Average total assets | $370,919,670 | 1,764 |
| Average earning assets | $347,775,000 | 1,740 |
| Average equity | $40,932,670 | 1,720 |
| Average total loans | $218,852,670 | 1,866 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 3,379 |
| Cost of funding earning assets | 0.4244% | 4,872 |
| Net interest margin | 3.7562% | 2,627 |
| Noninterest income to average assets | 0.7821% | 2,203 |
| Noninterest expense to average assets | 2.3065% | 5,408 |
| Loan and lease loss provision to assets | 0.0807% | 3,301 |
| Net operating income to assets | 1.2705% | 1,352 |
| Return on assets (ROA) | 1.2705% | 1,455 |
| Pretax return on assets | 1.9181% | 710 |
| Return on Equity (ROE) | 11.4383% | 1,579 |
| Retained earnings to average equity (ytd only) | 3.4479% | 4,184 |
| Net charge-offs to loans | -0.4873% | 6,851 |
| Credit loss provision to net charge-offs | -28.3019% | 5,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0240% | 6,378 |
| Assets per employee ($millions) | 3.6145% | 4,748 |
| Cash dividends to net income (ytd only)* | 69.8561% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 3,658 |
| Loan loss allowance to noncurrent loans | 69.9723% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.8203% | 2,587 |
| Noncurrent loans to loans | 2.2009% | 2,388 |
| Net loans and leases to total assets | 57.0182% | 3,921 |
| Net loans and leases to deposits | 65.6688% | 4,101 |
| Net loans and leases to core deposits | 69.7640% | 4,114 |
| Total domestic deposits to total assets | 86.8270% | 3,062 |
| Equity capital to assets | 11.2142% | 2,721 |
| Core capital (leverage) ratio | 9.1235% | 4,682 |
| Tier 1 risk-based capital ratio | 17.0042% | 2,748 |
| Total risk-based capital ratio | 18.2593% | 2,719 |
| Memoranda: | ||
| Average total assets | $371,817,500 | 1,773 |
| Average earning assets | $348,754,000 | 1,745 |
| Average equity | $41,300,000 | 1,736 |
| Average total loans | $217,542,500 | 1,888 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6444% | 2,829 |
| Cost of funding earning assets | 0.5323% | 4,981 |
| Net interest margin | 4.1121% | 1,951 |
| Noninterest income to average assets | 0.7731% | 2,374 |
| Noninterest expense to average assets | 2.6192% | 4,675 |
| Loan and lease loss provision to assets | 0.1730% | 3,460 |
| Net operating income to assets | 1.2111% | 1,565 |
| Return on assets (ROA) | 1.2111% | 1,730 |
| Pretax return on assets | 1.8315% | 867 |
| Return on Equity (ROE) | 11.2070% | 1,737 |
| Retained earnings to average equity (ytd only) | 2.4896% | 4,478 |
| Net charge-offs to loans | 0.2954% | 3,171 |
| Credit loss provision to net charge-offs | 98.0392% | 3,165 |
| Earnings coverage of net charge-offs (x) | 11.3605% | 2,041 |
| Efficiency ratio | 54.9672% | 6,176 |
| Assets per employee ($millions) | 3.7496% | 4,472 |
| Cash dividends to net income (ytd only)* | 77.7851% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 4,496 |
| Loan loss allowance to noncurrent loans | 59.4715% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.8733% | 2,609 |
| Noncurrent loans to loans | 2.2371% | 2,424 |
| Net loans and leases to total assets | 58.3095% | 3,923 |
| Net loans and leases to deposits | 67.0632% | 4,126 |
| Net loans and leases to core deposits | 71.1606% | 4,148 |
| Total domestic deposits to total assets | 86.9471% | 2,869 |
| Equity capital to assets | 11.0028% | 2,950 |
| Core capital (leverage) ratio | 9.0322% | 4,842 |
| Tier 1 risk-based capital ratio | 15.9879% | 3,173 |
| Total risk-based capital ratio | 17.2402% | 3,121 |
| Memoranda: | ||
| Average total assets | $375,763,000 | 1,733 |
| Average earning assets | $351,861,000 | 1,698 |
| Average equity | $40,608,600 | 1,717 |
| Average total loans | $224,413,800 | 1,811 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8052% | 2,376 |
| Cost of funding earning assets | 0.5519% | 5,070 |
| Net interest margin | 4.2533% | 1,590 |
| Noninterest income to average assets | 0.8125% | 2,182 |
| Noninterest expense to average assets | 2.6413% | 4,599 |
| Loan and lease loss provision to assets | 0.1826% | 3,310 |
| Net operating income to assets | 1.3036% | 1,438 |
| Return on assets (ROA) | 1.3036% | 1,579 |
| Pretax return on assets | 1.9732% | 744 |
| Return on Equity (ROE) | 12.1177% | 1,595 |
| Retained earnings to average equity (ytd only) | 3.1679% | 4,644 |
| Net charge-offs to loans | 0.0965% | 4,417 |
| Credit loss provision to net charge-offs | 315.9509% | 844 |
| Earnings coverage of net charge-offs (x) | 37.2941% | 929 |
| Efficiency ratio | 53.3673% | 6,313 |
| Assets per employee ($millions) | 3.7056% | 4,528 |
| Cash dividends to net income (ytd only)* | 73.8575% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 4,109 |
| Loan loss allowance to noncurrent loans | 62.8414% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 1.9803% | 2,673 |
| Noncurrent loans to loans | 2.3242% | 2,480 |
| Net loans and leases to total assets | 59.1363% | 3,942 |
| Net loans and leases to deposits | 67.9294% | 4,190 |
| Net loans and leases to core deposits | 71.9708% | 4,254 |
| Total domestic deposits to total assets | 87.0555% | 2,630 |
| Equity capital to assets | 10.9240% | 3,352 |
| Core capital (leverage) ratio | 8.9431% | 5,136 |
| Tier 1 risk-based capital ratio | 15.5352% | 3,510 |
| Total risk-based capital ratio | 16.7933% | 3,470 |
| Memoranda: | ||
| Average total assets | $375,964,250 | 1,755 |
| Average earning assets | $352,220,500 | 1,711 |
| Average equity | $40,446,750 | 1,742 |
| Average total loans | $225,121,250 | 1,822 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1004% | 1,498 |
| Cost of funding earning assets | 0.5620% | 5,217 |
| Net interest margin | 4.5384% | 930 |
| Noninterest income to average assets | 0.9629% | 1,568 |
| Noninterest expense to average assets | 2.8268% | 3,916 |
| Loan and lease loss provision to assets | 0.1944% | 3,143 |
| Net operating income to assets | 1.4712% | 1,045 |
| Return on assets (ROA) | 1.4712% | 1,172 |
| Pretax return on assets | 2.2259% | 471 |
| Return on Equity (ROE) | 14.8078% | 968 |
| Retained earnings to average equity (ytd only) | 3.6251% | 4,184 |
| Net charge-offs to loans | 0.1170% | 4,002 |
| Credit loss provision to net charge-offs | 287.6712% | 1,018 |
| Earnings coverage of net charge-offs (x) | 35.8082% | 961 |
| Efficiency ratio | 51.1735% | 6,564 |
| Assets per employee ($millions) | 3.0076% | 6,051 |
| Cash dividends to net income (ytd only)* | 75.5192% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 5,488 |
| Loan loss allowance to noncurrent loans | 390.5149% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 6,365 |
| Noncurrent loans to loans | 0.2992% | 5,962 |
| Net loans and leases to total assets | 56.2841% | 4,420 |
| Net loans and leases to deposits | 65.0532% | 4,636 |
| Net loans and leases to core deposits | 68.1501% | 4,768 |
| Total domestic deposits to total assets | 86.5202% | 3,058 |
| Equity capital to assets | 10.0621% | 4,241 |
| Core capital (leverage) ratio | 8.4195% | 5,765 |
| Tier 1 risk-based capital ratio | 14.8370% | 3,872 |
| Total risk-based capital ratio | 16.0303% | 3,877 |
| Memoranda: | ||
| Average total assets | $216,007,000 | 2,916 |
| Average earning assets | $203,905,000 | 2,833 |
| Average equity | $21,461,670 | 3,050 |
| Average total loans | $124,838,000 | 3,029 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8701% | 371 |
| Cost of funding earning assets | 0.5819% | 5,274 |
| Net interest margin | 5.2882% | 252 |
| Noninterest income to average assets | 0.9233% | 1,654 |
| Noninterest expense to average assets | 2.9777% | 3,340 |
| Loan and lease loss provision to assets | 0.1947% | 2,991 |
| Net operating income to assets | 1.8096% | 590 |
| Return on assets (ROA) | 1.8096% | 662 |
| Pretax return on assets | 2.7385% | 242 |
| Return on Equity (ROE) | 18.3304% | 513 |
| Retained earnings to average equity (ytd only) | 6.1226% | 2,888 |
| Net charge-offs to loans | 0.1656% | 3,096 |
| Credit loss provision to net charge-offs | 201.9231% | 1,326 |
| Earnings coverage of net charge-offs (x) | 30.4231% | 911 |
| Efficiency ratio | 47.9925% | 6,804 |
| Assets per employee ($millions) | 3.1671% | 5,835 |
| Cash dividends to net income (ytd only)* | 66.5984% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 5,908 |
| Loan loss allowance to noncurrent loans | 346.1735% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 6,366 |
| Noncurrent loans to loans | 0.3177% | 6,043 |
| Net loans and leases to total assets | 55.8354% | 4,415 |
| Net loans and leases to deposits | 64.4883% | 4,564 |
| Net loans and leases to core deposits | 67.8121% | 4,703 |
| Total domestic deposits to total assets | 86.5822% | 3,185 |
| Equity capital to assets | 9.8247% | 4,338 |
| Core capital (leverage) ratio | 8.4468% | 5,682 |
| Tier 1 risk-based capital ratio | 14.5308% | 4,082 |
| Total risk-based capital ratio | 15.6400% | 4,151 |
| Memoranda: | ||
| Average total assets | $215,737,500 | 2,936 |
| Average earning assets | $203,470,500 | 2,854 |
| Average equity | $21,298,000 | 3,073 |
| Average total loans | $125,596,000 | 3,036 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8188% | 3,722 |
| Cost of funding earning assets | 0.6965% | 5,564 |
| Net interest margin | 4.1223% | 2,342 |
| Noninterest income to average assets | 1.0653% | 1,180 |
| Noninterest expense to average assets | 2.9902% | 3,627 |
| Loan and lease loss provision to assets | 0.1894% | 4,290 |
| Net operating income to assets | 1.1502% | 1,668 |
| Return on assets (ROA) | 1.1559% | 1,763 |
| Pretax return on assets | 1.7471% | 901 |
| Return on Equity (ROE) | 11.8864% | 1,437 |
| Retained earnings to average equity (ytd only) | 3.0917% | 4,032 |
| Net charge-offs to loans | 0.1730% | 4,762 |
| Credit loss provision to net charge-offs | 174.6667% | 1,509 |
| Earnings coverage of net charge-offs (x) | 17.7822% | 1,252 |
| Efficiency ratio | 57.2842% | 6,155 |
| Assets per employee ($millions) | 3.0862% | 5,922 |
| Cash dividends to net income (ytd only)* | 73.9892% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 6,120 |
| Loan loss allowance to noncurrent loans | 33.2060% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 1.9451% | 3,049 |
| Noncurrent loans to loans | 3.0723% | 2,106 |
| Net loans and leases to total assets | 59.4116% | 4,109 |
| Net loans and leases to deposits | 68.9363% | 4,288 |
| Net loans and leases to core deposits | 72.5957% | 4,422 |
| Total domestic deposits to total assets | 86.1833% | 3,209 |
| Equity capital to assets | 9.9209% | 4,270 |
| Core capital (leverage) ratio | 8.2981% | 5,861 |
| Tier 1 risk-based capital ratio | 13.8813% | 4,414 |
| Total risk-based capital ratio | 14.9231% | 4,533 |
| Memoranda: | ||
| Average total assets | $207,547,800 | 2,974 |
| Average earning assets | $193,967,600 | 2,924 |
| Average equity | $20,182,800 | 3,107 |
| Average total loans | $130,021,800 | 2,979 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8589% | 3,737 |
| Cost of funding earning assets | 0.7190% | 5,655 |
| Net interest margin | 4.1399% | 2,308 |
| Noninterest income to average assets | 1.0954% | 1,112 |
| Noninterest expense to average assets | 3.1121% | 3,113 |
| Loan and lease loss provision to assets | 0.1862% | 4,168 |
| Net operating income to assets | 1.0948% | 1,990 |
| Return on assets (ROA) | 1.1025% | 2,102 |
| Pretax return on assets | 1.6695% | 1,204 |
| Return on Equity (ROE) | 11.3966% | 1,726 |
| Retained earnings to average equity (ytd only) | 3.2084% | 4,424 |
| Net charge-offs to loans | 0.1491% | 4,577 |
| Credit loss provision to net charge-offs | 197.2603% | 1,483 |
| Earnings coverage of net charge-offs (x) | 19.5344% | 1,260 |
| Efficiency ratio | 59.1129% | 5,851 |
| Assets per employee ($millions) | 3.0670% | 5,974 |
| Cash dividends to net income (ytd only)* | 71.8473% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 6,318 |
| Loan loss allowance to noncurrent loans | 265.1452% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 6,214 |
| Noncurrent loans to loans | 0.3737% | 6,101 |
| Net loans and leases to total assets | 60.3525% | 4,071 |
| Net loans and leases to deposits | 70.5589% | 4,206 |
| Net loans and leases to core deposits | 73.9336% | 4,453 |
| Total domestic deposits to total assets | 85.5349% | 3,470 |
| Equity capital to assets | 10.0818% | 4,233 |
| Core capital (leverage) ratio | 8.3516% | 5,917 |
| Tier 1 risk-based capital ratio | 14.1986% | 4,206 |
| Total risk-based capital ratio | 15.2564% | 4,321 |
| Memoranda: | ||
| Average total assets | $206,198,500 | 3,002 |
| Average earning assets | $192,302,250 | 2,953 |
| Average equity | $19,947,000 | 3,148 |
| Average total loans | $130,572,750 | 2,996 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8652% | 3,779 |
| Cost of funding earning assets | 0.7248% | 5,803 |
| Net interest margin | 4.1404% | 2,263 |
| Noninterest income to average assets | 1.0558% | 1,177 |
| Noninterest expense to average assets | 3.1254% | 3,161 |
| Loan and lease loss provision to assets | 0.1566% | 4,353 |
| Net operating income to assets | 1.0735% | 1,960 |
| Return on assets (ROA) | 1.0852% | 2,008 |
| Pretax return on assets | 1.6429% | 1,169 |
| Return on Equity (ROE) | 11.3835% | 1,674 |
| Retained earnings to average equity (ytd only) | 3.4284% | 4,076 |
| Net charge-offs to loans | 0.1571% | 4,242 |
| Credit loss provision to net charge-offs | 155.3398% | 1,959 |
| Earnings coverage of net charge-offs (x) | 17.6796% | 1,287 |
| Efficiency ratio | 59.9402% | 5,883 |
| Assets per employee ($millions) | 3.0569% | 5,964 |
| Cash dividends to net income (ytd only)* | 69.8828% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 6,627 |
| Loan loss allowance to noncurrent loans | 222.5746% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 6,190 |
| Noncurrent loans to loans | 0.4094% | 6,082 |
| Net loans and leases to total assets | 62.4108% | 3,812 |
| Net loans and leases to deposits | 73.0691% | 3,941 |
| Net loans and leases to core deposits | 76.7631% | 4,218 |
| Total domestic deposits to total assets | 85.4133% | 3,666 |
| Equity capital to assets | 9.8125% | 4,375 |
| Core capital (leverage) ratio | 8.1164% | 6,142 |
| Tier 1 risk-based capital ratio | 13.5056% | 4,521 |
| Total risk-based capital ratio | 14.4696% | 4,728 |
| Memoranda: | ||
| Average total assets | $204,391,330 | 3,050 |
| Average earning assets | $190,127,670 | 2,993 |
| Average equity | $19,484,330 | 3,203 |
| Average total loans | $131,098,330 | 3,020 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 3,930 |
| Cost of funding earning assets | 0.7196% | 6,028 |
| Net interest margin | 4.1060% | 2,248 |
| Noninterest income to average assets | 1.0323% | 1,234 |
| Noninterest expense to average assets | 3.0910% | 3,287 |
| Loan and lease loss provision to assets | 0.1776% | 3,845 |
| Net operating income to assets | 1.0520% | 1,993 |
| Return on assets (ROA) | 1.0520% | 2,045 |
| Pretax return on assets | 1.5929% | 1,211 |
| Return on Equity (ROE) | 11.2045% | 1,677 |
| Retained earnings to average equity (ytd only) | 3.3214% | 4,189 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7645% | 6,017 |
| Assets per employee ($millions) | 3.0195% | 6,114 |
| Cash dividends to net income (ytd only)* | 70.3565% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 6,587 |
| Loan loss allowance to noncurrent loans | 194.6032% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 6,136 |
| Noncurrent loans to loans | 0.4830% | 6,051 |
| Net loans and leases to total assets | 62.9253% | 3,680 |
| Net loans and leases to deposits | 72.5007% | 3,984 |
| Net loans and leases to core deposits | 75.1572% | 4,402 |
| Total domestic deposits to total assets | 86.7927% | 3,067 |
| Equity capital to assets | 9.3573% | 4,639 |
| Core capital (leverage) ratio | 8.1624% | 6,028 |
| Tier 1 risk-based capital ratio | 13.4486% | 4,460 |
| Total risk-based capital ratio | 14.4513% | 4,641 |
| Memoranda: | ||
| Average total assets | $202,653,000 | 3,083 |
| Average earning assets | $188,990,500 | 3,027 |
| Average equity | $19,028,000 | 3,251 |
| Average total loans | $131,185,000 | 3,043 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2363% | 3,427 |
| Cost of funding earning assets | 0.9211% | 6,074 |
| Net interest margin | 4.3152% | 1,769 |
| Noninterest income to average assets | 1.2454% | 961 |
| Noninterest expense to average assets | 3.3779% | 2,499 |
| Loan and lease loss provision to assets | 0.2752% | 4,605 |
| Net operating income to assets | 1.0718% | 1,791 |
| Return on assets (ROA) | 1.0718% | 1,885 |
| Pretax return on assets | 1.6333% | 1,065 |
| Return on Equity (ROE) | 10.5847% | 1,726 |
| Retained earnings to average equity (ytd only) | 4.3490% | 2,795 |
| Net charge-offs to loans | 0.1620% | 5,366 |
| Credit loss provision to net charge-offs | 251.4793% | 1,124 |
| Earnings coverage of net charge-offs (x) | 17.4379% | 1,149 |
| Efficiency ratio | 62.7465% | 5,570 |
| Assets per employee ($millions) | 3.3895% | 5,199 |
| Cash dividends to net income (ytd only)* | 58.9124% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 6,825 |
| Loan loss allowance to noncurrent loans | 180.3175% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.4815% | 6,069 |
| Noncurrent loans to loans | 0.4775% | 6,083 |
| Net loans and leases to total assets | 65.4095% | 3,575 |
| Net loans and leases to deposits | 74.8438% | 4,055 |
| Net loans and leases to core deposits | 77.6191% | 4,506 |
| Total domestic deposits to total assets | 87.3947% | 2,615 |
| Equity capital to assets | 9.4224% | 4,513 |
| Core capital (leverage) ratio | 8.1629% | 5,889 |
| Tier 1 risk-based capital ratio | 13.0728% | 4,545 |
| Total risk-based capital ratio | 13.9899% | 4,799 |
| Memoranda: | ||
| Average total assets | $154,413,400 | 3,803 |
| Average earning assets | $144,604,800 | 3,733 |
| Average equity | $15,635,800 | 3,832 |
| Average total loans | $104,326,200 | 3,673 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0088% | 4,770 |
| Cost of funding earning assets | 0.9749% | 6,062 |
| Net interest margin | 4.0339% | 2,943 |
| Noninterest income to average assets | 1.2250% | 923 |
| Noninterest expense to average assets | 3.1146% | 3,273 |
| Loan and lease loss provision to assets | 0.2377% | 4,698 |
| Net operating income to assets | 1.0944% | 1,906 |
| Return on assets (ROA) | 1.0944% | 2,011 |
| Pretax return on assets | 1.6566% | 1,199 |
| Return on Equity (ROE) | 10.5520% | 1,919 |
| Retained earnings to average equity (ytd only) | 5.3839% | 2,715 |
| Net charge-offs to loans | 0.1314% | 5,245 |
| Credit loss provision to net charge-offs | 265.6250% | 1,238 |
| Earnings coverage of net charge-offs (x) | 21.1662% | 1,138 |
| Efficiency ratio | 62.1813% | 5,597 |
| Assets per employee ($millions) | 3.1442% | 5,819 |
| Cash dividends to net income (ytd only)* | 48.9781% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7447% | 7,121 |
| Loan loss allowance to noncurrent loans | 140.0270% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 6,383 |
| Noncurrent loans to loans | 0.5319% | 6,140 |
| Net loans and leases to total assets | 68.8138% | 3,030 |
| Net loans and leases to deposits | 78.6324% | 3,701 |
| Net loans and leases to core deposits | 81.2641% | 4,348 |
| Total domestic deposits to total assets | 87.5133% | 2,254 |
| Equity capital to assets | 9.8405% | 4,361 |
| Core capital (leverage) ratio | 11.6950% | 1,821 |
| Tier 1 risk-based capital ratio | 12.1355% | 5,329 |
| Total risk-based capital ratio | 12.9228% | 5,733 |
| Memoranda: | ||
| Average total assets | $143,021,750 | 4,054 |
| Average earning assets | $134,160,250 | 3,986 |
| Average equity | $14,834,000 | 4,024 |
| Average total loans | $97,422,250 | 3,933 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5173% | 2,452 |
| Cost of funding earning assets | 1.1549% | 5,377 |
| Net interest margin | 4.3624% | 1,559 |
| Noninterest income to average assets | 1.3299% | 717 |
| Noninterest expense to average assets | 3.3830% | 2,312 |
| Loan and lease loss provision to assets | 0.2669% | 4,254 |
| Net operating income to assets | 1.1891% | 1,586 |
| Return on assets (ROA) | 1.1891% | 1,658 |
| Pretax return on assets | 1.7991% | 886 |
| Return on Equity (ROE) | 11.1550% | 1,700 |
| Retained earnings to average equity (ytd only) | 2.4283% | 4,614 |
| Net charge-offs to loans | 0.0767% | 5,375 |
| Credit loss provision to net charge-offs | 515.6250% | 720 |
| Earnings coverage of net charge-offs (x) | 39.9063% | 731 |
| Efficiency ratio | 62.0843% | 5,675 |
| Assets per employee ($millions) | 2.5991% | 6,949 |
| Cash dividends to net income (ytd only)* | 78.2313% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 5,599 |
| Loan loss allowance to noncurrent loans | 140.3047% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6115% | 5,962 |
| Noncurrent loans to loans | 0.8344% | 5,615 |
| Net loans and leases to total assets | 70.0030% | 2,895 |
| Net loans and leases to deposits | 82.5681% | 3,170 |
| Net loans and leases to core deposits | 85.0337% | 3,990 |
| Total domestic deposits to total assets | 84.7821% | 3,736 |
| Equity capital to assets | 10.9161% | 2,953 |
| Core capital (leverage) ratio | 10.2659% | 2,876 |
| Tier 1 risk-based capital ratio | 15.7061% | 2,803 |
| Total risk-based capital ratio | 16.9547% | 2,767 |
| Memoranda: | ||
| Average total assets | $123,619,000 | 4,497 |
| Average earning assets | $116,724,670 | 4,399 |
| Average equity | $13,178,000 | 4,402 |
| Average total loans | $83,392,000 | 4,343 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5116% | 2,529 |
| Cost of funding earning assets | 1.1862% | 5,477 |
| Net interest margin | 4.3254% | 1,609 |
| Noninterest income to average assets | 1.2867% | 731 |
| Noninterest expense to average assets | 3.3100% | 2,502 |
| Loan and lease loss provision to assets | 0.2091% | 4,412 |
| Net operating income to assets | 1.2224% | 1,482 |
| Return on assets (ROA) | 1.2224% | 1,558 |
| Pretax return on assets | 1.8496% | 806 |
| Return on Equity (ROE) | 11.6035% | 1,609 |
| Retained earnings to average equity (ytd only) | 3.3589% | 4,142 |
| Net charge-offs to loans | 0.0538% | 4,866 |
| Credit loss provision to net charge-offs | 590.9091% | 741 |
| Earnings coverage of net charge-offs (x) | 58.1818% | 516 |
| Efficiency ratio | 61.6537% | 5,892 |
| Assets per employee ($millions) | 2.5561% | 7,120 |
| Cash dividends to net income (ytd only)* | 71.0526% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 5,769 |
| Loan loss allowance to noncurrent loans | 202.6030% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 6,481 |
| Noncurrent loans to loans | 0.5683% | 6,162 |
| Net loans and leases to total assets | 64.0213% | 4,324 |
| Net loans and leases to deposits | 77.2289% | 4,184 |
| Net loans and leases to core deposits | 79.3379% | 4,849 |
| Total domestic deposits to total assets | 82.8981% | 4,681 |
| Equity capital to assets | 10.4695% | 3,278 |
| Core capital (leverage) ratio | 10.1755% | 2,956 |
| Tier 1 risk-based capital ratio | 16.6080% | 2,408 |
| Total risk-based capital ratio | 17.8302% | 2,366 |
| Memoranda: | ||
| Average total assets | $124,349,000 | 4,534 |
| Average earning assets | $117,353,500 | 4,440 |
| Average equity | $13,099,500 | 4,455 |
| Average total loans | $81,824,000 | 4,449 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6646% | 3,277 |
| Cost of funding earning assets | 1.3356% | 6,190 |
| Net interest margin | 4.3290% | 1,636 |
| Noninterest income to average assets | 1.3098% | 874 |
| Noninterest expense to average assets | 3.3746% | 2,761 |
| Loan and lease loss provision to assets | 0.1167% | 6,479 |
| Net operating income to assets | 1.2534% | 1,126 |
| Return on assets (ROA) | 1.2534% | 1,181 |
| Pretax return on assets | 1.8966% | 517 |
| Return on Equity (ROE) | 11.9084% | 1,187 |
| Retained earnings to average equity (ytd only) | 0.4360% | 4,661 |
| Net charge-offs to loans | 0.4255% | 4,091 |
| Credit loss provision to net charge-offs | 40.6162% | 6,826 |
| Earnings coverage of net charge-offs (x) | 7.0056% | 2,244 |
| Efficiency ratio | 62.6326% | 6,033 |
| Assets per employee ($millions) | 2.5719% | 7,084 |
| Cash dividends to net income (ytd only)* | 96.3391% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 6,060 |
| Loan loss allowance to noncurrent loans | 173.2283% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 6,358 |
| Noncurrent loans to loans | 0.6155% | 6,014 |
| Net loans and leases to total assets | 66.1391% | 4,120 |
| Net loans and leases to deposits | 80.0165% | 3,984 |
| Net loans and leases to core deposits | 93.9433% | 4,680 |
| Total domestic deposits to total assets | 82.6568% | 4,676 |
| Equity capital to assets | 10.6003% | 3,066 |
| Core capital (leverage) ratio | 10.3448% | 2,747 |
| Tier 1 risk-based capital ratio | 16.2575% | 2,410 |
| Total risk-based capital ratio | 17.3945% | 2,393 |
| Memoranda: | ||
| Average total assets | $124,221,800 | 4,465 |
| Average earning assets | $117,024,000 | 4,375 |
| Average equity | $13,074,800 | 4,495 |
| Average total loans | $83,898,600 | 4,387 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6625% | 3,512 |
| Cost of funding earning assets | 1.3659% | 6,347 |
| Net interest margin | 4.2966% | 1,739 |
| Noninterest income to average assets | 1.2967% | 921 |
| Noninterest expense to average assets | 3.3607% | 2,689 |
| Loan and lease loss provision to assets | 0.0965% | 6,401 |
| Net operating income to assets | 1.2517% | 1,340 |
| Return on assets (ROA) | 1.2517% | 1,405 |
| Pretax return on assets | 1.8915% | 671 |
| Return on Equity (ROE) | 11.9132% | 1,376 |
| Retained earnings to average equity (ytd only) | 2.7335% | 3,804 |
| Net charge-offs to loans | 0.3276% | 4,001 |
| Credit loss provision to net charge-offs | 43.4783% | 6,389 |
| Earnings coverage of net charge-offs (x) | 8.9614% | 2,171 |
| Efficiency ratio | 62.8331% | 5,961 |
| Assets per employee ($millions) | 2.5519% | 7,141 |
| Cash dividends to net income (ytd only)* | 77.0550% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 5,200 |
| Loan loss allowance to noncurrent loans | 154.7619% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 6,083 |
| Noncurrent loans to loans | 0.7650% | 5,772 |
| Net loans and leases to total assets | 66.4373% | 4,322 |
| Net loans and leases to deposits | 81.8015% | 4,062 |
| Net loans and leases to core deposits | 95.9716% | 4,817 |
| Total domestic deposits to total assets | 81.2177% | 4,990 |
| Equity capital to assets | 10.8904% | 3,126 |
| Core capital (leverage) ratio | 10.5063% | 2,789 |
| Tier 1 risk-based capital ratio | 16.9536% | 2,287 |
| Total risk-based capital ratio | 18.1912% | 2,242 |
| Memoranda: | ||
| Average total assets | $124,415,000 | 4,488 |
| Average earning assets | $117,330,000 | 4,397 |
| Average equity | $13,072,000 | 4,518 |
| Average total loans | $84,241,250 | 4,415 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6804% | 3,659 |
| Cost of funding earning assets | 1.4057% | 6,458 |
| Net interest margin | 4.2747% | 1,731 |
| Noninterest income to average assets | 1.2778% | 935 |
| Noninterest expense to average assets | 3.3377% | 2,833 |
| Loan and lease loss provision to assets | 0.0560% | 6,663 |
| Net operating income to assets | 1.2714% | 1,301 |
| Return on assets (ROA) | 1.2714% | 1,381 |
| Pretax return on assets | 1.9207% | 668 |
| Return on Equity (ROE) | 12.2471% | 1,350 |
| Retained earnings to average equity (ytd only) | 3.0040% | 3,649 |
| Net charge-offs to loans | 0.3299% | 3,535 |
| Credit loss provision to net charge-offs | 25.0000% | 6,074 |
| Earnings coverage of net charge-offs (x) | 8.8286% | 2,216 |
| Efficiency ratio | 62.8047% | 6,119 |
| Assets per employee ($millions) | 2.6503% | 6,955 |
| Cash dividends to net income (ytd only)* | 75.4717% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 5,277 |
| Loan loss allowance to noncurrent loans | 174.3816% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 6,306 |
| Noncurrent loans to loans | 0.6587% | 5,938 |
| Net loans and leases to total assets | 68.1850% | 4,128 |
| Net loans and leases to deposits | 81.9486% | 4,233 |
| Net loans and leases to core deposits | 96.0488% | 4,899 |
| Total domestic deposits to total assets | 83.2046% | 4,148 |
| Equity capital to assets | 10.4918% | 3,412 |
| Core capital (leverage) ratio | 10.2582% | 3,036 |
| Tier 1 risk-based capital ratio | 16.4803% | 2,452 |
| Total risk-based capital ratio | 17.7305% | 2,393 |
| Memoranda: | ||
| Average total assets | $125,055,670 | 4,508 |
| Average earning assets | $118,090,330 | 4,410 |
| Average equity | $12,982,670 | 4,546 |
| Average total loans | $84,869,670 | 4,433 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7124% | 3,739 |
| Cost of funding earning assets | 1.4593% | 6,547 |
| Net interest margin | 4.2531% | 1,736 |
| Noninterest income to average assets | 1.1556% | 1,104 |
| Noninterest expense to average assets | 3.2019% | 2,978 |
| Loan and lease loss provision to assets | 0.0479% | 6,372 |
| Net operating income to assets | 1.2737% | 1,445 |
| Return on assets (ROA) | 1.2737% | 1,546 |
| Pretax return on assets | 1.9250% | 762 |
| Return on Equity (ROE) | 12.3343% | 1,560 |
| Retained earnings to average equity (ytd only) | 3.0604% | 4,176 |
| Net charge-offs to loans | 0.2087% | 3,394 |
| Credit loss provision to net charge-offs | 34.0909% | 4,899 |
| Earnings coverage of net charge-offs (x) | 14.0455% | 1,696 |
| Efficiency ratio | 61.8754% | 6,075 |
| Assets per employee ($millions) | 2.4524% | 7,372 |
| Cash dividends to net income (ytd only)* | 75.1880% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 4,294 |
| Loan loss allowance to noncurrent loans | 136.1076% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.6548% | 5,527 |
| Noncurrent loans to loans | 0.9314% | 5,137 |
| Net loans and leases to total assets | 66.1973% | 4,541 |
| Net loans and leases to deposits | 79.7114% | 4,658 |
| Net loans and leases to core deposits | 93.1420% | 5,240 |
| Total domestic deposits to total assets | 83.0463% | 4,127 |
| Equity capital to assets | 10.4326% | 3,529 |
| Core capital (leverage) ratio | 9.9821% | 3,431 |
| Tier 1 risk-based capital ratio | 16.7008% | 2,447 |
| Total risk-based capital ratio | 17.9616% | 2,371 |
| Memoranda: | ||
| Average total assets | $125,301,500 | 4,514 |
| Average earning assets | $118,409,000 | 4,423 |
| Average equity | $12,939,500 | 4,592 |
| Average total loans | $84,344,000 | 4,482 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2857% | 4,047 |
| Cost of funding earning assets | 1.8883% | 6,760 |
| Net interest margin | 4.3973% | 1,691 |
| Noninterest income to average assets | 1.3362% | 808 |
| Noninterest expense to average assets | 3.1577% | 3,489 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5292% | 962 |
| Return on assets (ROA) | 1.5785% | 835 |
| Pretax return on assets | 2.3846% | 254 |
| Return on Equity (ROE) | 15.5834% | 838 |
| Retained earnings to average equity (ytd only) | 1.4491% | 4,350 |
| Net charge-offs to loans | 0.1374% | 4,850 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 25.0435% | 1,353 |
| Efficiency ratio | 57.7527% | 6,741 |
| Assets per employee ($millions) | 2.4141% | 7,377 |
| Cash dividends to net income (ytd only)* | 90.7012% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 3,878 |
| Loan loss allowance to noncurrent loans | 106.4327% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.8173% | 4,805 |
| Noncurrent loans to loans | 1.2094% | 4,097 |
| Net loans and leases to total assets | 66.7076% | 4,705 |
| Net loans and leases to deposits | 80.3331% | 4,987 |
| Net loans and leases to core deposits | 94.4347% | 5,410 |
| Total domestic deposits to total assets | 83.0387% | 3,757 |
| Equity capital to assets | 10.2212% | 3,780 |
| Core capital (leverage) ratio | 10.0548% | 3,398 |
| Tier 1 risk-based capital ratio | 16.2745% | 2,558 |
| Total risk-based capital ratio | 17.5231% | 2,498 |
| Memoranda: | ||
| Average total assets | $124,677,400 | 4,402 |
| Average earning assets | $117,139,400 | 4,335 |
| Average equity | $12,628,800 | 4,667 |
| Average total loans | $83,681,000 | 4,406 |