Home > Citizens First Bank > Performance and Condition Ratios
Citizens First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 2,536 |
| Cost of funding earning assets | 2.2742% | 569 |
| Net interest margin | 2.4968% | 4,093 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.3414% | 2,740 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.3637% | 3,937 |
| Return on assets (ROA) | 0.3637% | 3,928 |
| Pretax return on assets | 0.3793% | 3,991 |
| Return on Equity (ROE) | 7.9000% | 3,047 |
| Retained earnings to average equity (ytd only) | 2.2529% | 3,515 |
| Net charge-offs to loans | 0.1270% | 774 |
| Credit loss provision to net charge-offs | 83.0450% | 2,001 |
| Earnings coverage of net charge-offs (x) | 4.8304% | 2,558 |
| Efficiency ratio | 83.7674% | 673 |
| Assets per employee ($millions) | 5.9363% | 2,874 |
| Cash dividends to net income (ytd only)* | 71.4924% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,329 |
| Loan loss allowance to noncurrent loans | 276.1397% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 993 |
| Noncurrent loans to loans | 0.4327% | 1,703 |
| Net loans and leases to total assets | 74.8300% | 1,262 |
| Net loans and leases to deposits | 90.3186% | 1,235 |
| Net loans and leases to core deposits | 106.5941% | 1,088 |
| Total domestic deposits to total assets | 82.8500% | 2,927 |
| Equity capital to assets | 5.1592% | 4,387 |
| Core capital (leverage) ratio | 8.0486% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6213% | 2,680 |
| Memoranda: | ||
| Average total assets | $307,682,400 | 2,392 |
| Average earning assets | $292,934,800 | 2,344 |
| Average equity | $14,159,800 | 3,331 |
| Average total loans | $227,521,800 | 2,117 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6407% | 2,588 |
| Cost of funding earning assets | 2.1643% | 531 |
| Net interest margin | 2.4764% | 4,167 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.3285% | 2,707 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.3142% | 4,099 |
| Return on assets (ROA) | 0.3142% | 4,103 |
| Pretax return on assets | 0.3277% | 4,134 |
| Return on Equity (ROE) | 7.0200% | 3,425 |
| Retained earnings to average equity (ytd only) | -0.7687% | 4,236 |
| Net charge-offs to loans | -0.0006% | 3,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.1474% | 555 |
| Assets per employee ($millions) | 6.3522% | 2,454 |
| Cash dividends to net income (ytd only)* | 110.9570% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 1,740 |
| Loan loss allowance to noncurrent loans | 203.6400% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.7245% | 777 |
| Noncurrent loans to loans | 0.6530% | 1,259 |
| Net loans and leases to total assets | 73.3500% | 1,428 |
| Net loans and leases to deposits | 88.9488% | 1,307 |
| Net loans and leases to core deposits | 104.2413% | 1,109 |
| Total domestic deposits to total assets | 82.4600% | 3,132 |
| Equity capital to assets | 3.8816% | 4,414 |
| Core capital (leverage) ratio | 8.0736% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7167% | 2,684 |
| Memoranda: | ||
| Average total assets | $305,945,250 | 2,406 |
| Average earning assets | $290,956,500 | 2,360 |
| Average equity | $13,702,250 | 3,358 |
| Average total loans | $224,833,500 | 2,132 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5072% | 2,630 |
| Cost of funding earning assets | 1.9715% | 523 |
| Net interest margin | 2.5357% | 4,175 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.3710% | 2,592 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.4208% | 3,969 |
| Return on assets (ROA) | 0.4208% | 3,972 |
| Pretax return on assets | 0.4392% | 4,060 |
| Return on Equity (ROE) | 8.9900% | 2,991 |
| Retained earnings to average equity (ytd only) | -2.2468% | 4,300 |
| Net charge-offs to loans | -0.0431% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.0665% | 702 |
| Assets per employee ($millions) | 6.1092% | 2,618 |
| Cash dividends to net income (ytd only)* | 125.0000% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 1,723 |
| Loan loss allowance to noncurrent loans | 231.5949% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.9216% | 531 |
| Noncurrent loans to loans | 0.5821% | 1,285 |
| Net loans and leases to total assets | 73.4000% | 1,358 |
| Net loans and leases to deposits | 91.5242% | 1,061 |
| Net loans and leases to core deposits | 105.5162% | 1,001 |
| Total domestic deposits to total assets | 80.2000% | 3,543 |
| Equity capital to assets | 4.6248% | 4,427 |
| Core capital (leverage) ratio | 8.4528% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9302% | 2,649 |
| Memoranda: | ||
| Average total assets | $304,173,667 | 2,424 |
| Average earning assets | $288,913,667 | 2,379 |
| Average equity | $14,242,333 | 3,332 |
| Average total loans | $222,651,000 | 2,140 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 2,663 |
| Cost of funding earning assets | 1.7712% | 481 |
| Net interest margin | 2.5826% | 4,226 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.5184% | 2,201 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.2926% | 4,260 |
| Return on assets (ROA) | 0.2926% | 4,221 |
| Pretax return on assets | 0.3057% | 4,258 |
| Return on Equity (ROE) | 6.2100% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.2098% | 2,713 |
| Net charge-offs to loans | -0.0109% | 3,870 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.7453% | 476 |
| Assets per employee ($millions) | 6.0733% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 1,889 |
| Loan loss allowance to noncurrent loans | 254.6862% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.9020% | 496 |
| Noncurrent loans to loans | 0.5230% | 1,413 |
| Net loans and leases to total assets | 72.2500% | 1,398 |
| Net loans and leases to deposits | 81.3901% | 1,716 |
| Net loans and leases to core deposits | 94.9334% | 1,333 |
| Total domestic deposits to total assets | 88.7800% | 1,623 |
| Equity capital to assets | 4.9245% | 4,428 |
| Core capital (leverage) ratio | 8.6524% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3175% | 2,624 |
| Memoranda: | ||
| Average total assets | $303,530,000 | 2,450 |
| Average earning assets | $288,390,500 | 2,406 |
| Average equity | $14,300,000 | 3,362 |
| Average total loans | $220,341,500 | 2,169 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8520% | 2,127 |
| Cost of funding earning assets | 0.7722% | 430 |
| Net interest margin | 3.0798% | 3,227 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.4144% | 2,382 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 0.7429% | 3,501 |
| Return on assets (ROA) | 0.7402% | 3,450 |
| Pretax return on assets | 0.7722% | 3,691 |
| Return on Equity (ROE) | 13.0500% | 1,797 |
| Retained earnings to average equity (ytd only) | 5.6940% | 2,751 |
| Net charge-offs to loans | 0.0609% | 1,038 |
| Credit loss provision to net charge-offs | 660.0000% | 559 |
| Earnings coverage of net charge-offs (x) | 25.1750% | 1,777 |
| Efficiency ratio | 69.6839% | 1,728 |
| Assets per employee ($millions) | 6.3207% | 2,494 |
| Cash dividends to net income (ytd only)* | 56.3645% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 1,776 |
| Loan loss allowance to noncurrent loans | 485.0921% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7439% | 635 |
| Noncurrent loans to loans | 0.2735% | 2,177 |
| Net loans and leases to total assets | 71.0000% | 1,527 |
| Net loans and leases to deposits | 79.8899% | 1,777 |
| Net loans and leases to core deposits | 89.6762% | 1,519 |
| Total domestic deposits to total assets | 88.8700% | 1,754 |
| Equity capital to assets | 4.4978% | 4,462 |
| Core capital (leverage) ratio | 8.6543% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7588% | 2,468 |
| Memoranda: | ||
| Average total assets | $287,607,800 | 2,513 |
| Average earning assets | $271,964,800 | 2,480 |
| Average equity | $16,315,400 | 3,246 |
| Average total loans | $197,025,200 | 2,249 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7045% | 2,035 |
| Cost of funding earning assets | 0.6216% | 389 |
| Net interest margin | 3.0828% | 2,985 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.5067% | 2,000 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 0.6512% | 3,692 |
| Return on assets (ROA) | 0.6477% | 3,659 |
| Pretax return on assets | 0.7046% | 3,793 |
| Return on Equity (ROE) | 10.8200% | 2,458 |
| Retained earnings to average equity (ytd only) | 1.3975% | 4,158 |
| Net charge-offs to loans | 0.0828% | 723 |
| Credit loss provision to net charge-offs | 499.1597% | 616 |
| Earnings coverage of net charge-offs (x) | 17.6555% | 1,782 |
| Efficiency ratio | 71.7380% | 1,551 |
| Assets per employee ($millions) | 6.4368% | 2,375 |
| Cash dividends to net income (ytd only)* | 87.0827% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 2,095 |
| Loan loss allowance to noncurrent loans | 402.2355% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.8116% | 617 |
| Noncurrent loans to loans | 0.3201% | 2,094 |
| Net loans and leases to total assets | 69.8900% | 1,486 |
| Net loans and leases to deposits | 76.6857% | 1,821 |
| Net loans and leases to core deposits | 84.8920% | 1,591 |
| Total domestic deposits to total assets | 91.1400% | 1,178 |
| Equity capital to assets | 3.8583% | 4,491 |
| Core capital (leverage) ratio | 8.8616% | 3,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $283,661,250 | 2,555 |
| Average earning assets | $268,102,000 | 2,526 |
| Average equity | $16,982,750 | 3,241 |
| Average total loans | $191,704,500 | 2,291 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 1,791 |
| Cost of funding earning assets | 0.5620% | 364 |
| Net interest margin | 3.0534% | 2,705 |
| Noninterest income to average assets | 0.6425% | 1,576 |
| Noninterest expense to average assets | 2.4735% | 2,016 |
| Loan and lease loss provision to assets | 0.2833% | 238 |
| Net operating income to assets | 0.7074% | 3,289 |
| Return on assets (ROA) | 0.7048% | 3,247 |
| Pretax return on assets | 0.7713% | 3,400 |
| Return on Equity (ROE) | 10.4589% | 2,176 |
| Retained earnings to average equity (ytd only) | -2.2829% | 4,402 |
| Net charge-offs to loans | 0.1605% | 397 |
| Credit loss provision to net charge-offs | 265.7718% | 845 |
| Earnings coverage of net charge-offs (x) | 9.9195% | 1,771 |
| Efficiency ratio | 70.0507% | 1,949 |
| Assets per employee ($millions) | 6.0194% | 2,722 |
| Cash dividends to net income (ytd only)* | 121.8274% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 2,219 |
| Loan loss allowance to noncurrent loans | 429.7391% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 602 |
| Noncurrent loans to loans | 0.3009% | 2,260 |
| Net loans and leases to total assets | 68.1098% | 1,469 |
| Net loans and leases to deposits | 75.7653% | 1,698 |
| Net loans and leases to core deposits | 78.5705% | 1,812 |
| Total domestic deposits to total assets | 89.8958% | 1,754 |
| Equity capital to assets | 5.1449% | 4,445 |
| Core capital (leverage) ratio | 8.8959% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,517,667 | 2,588 |
| Average earning assets | $264,425,333 | 2,575 |
| Average equity | $18,835,667 | 3,160 |
| Average total loans | $185,727,333 | 2,343 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5241% | 1,727 |
| Cost of funding earning assets | 0.5791% | 298 |
| Net interest margin | 2.9451% | 2,692 |
| Noninterest income to average assets | 0.7364% | 1,203 |
| Noninterest expense to average assets | 2.4299% | 2,070 |
| Loan and lease loss provision to assets | 0.2820% | 218 |
| Net operating income to assets | 0.7416% | 2,885 |
| Return on assets (ROA) | 0.7364% | 2,894 |
| Pretax return on assets | 0.8005% | 3,110 |
| Return on Equity (ROE) | 9.7868% | 2,054 |
| Retained earnings to average equity (ytd only) | 9.7868% | 1,075 |
| Net charge-offs to loans | 0.1988% | 314 |
| Credit loss provision to net charge-offs | 217.5824% | 751 |
| Earnings coverage of net charge-offs (x) | 8.3956% | 1,513 |
| Efficiency ratio | 69.0688% | 2,364 |
| Assets per employee ($millions) | 5.8275% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,507 |
| Loan loss allowance to noncurrent loans | 374.1573% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 625 |
| Noncurrent loans to loans | 0.3390% | 2,267 |
| Net loans and leases to total assets | 64.8700% | 1,516 |
| Net loans and leases to deposits | 72.1230% | 1,767 |
| Net loans and leases to core deposits | 73.8796% | 1,947 |
| Total domestic deposits to total assets | 89.9436% | 1,596 |
| Equity capital to assets | 6.6227% | 4,377 |
| Core capital (leverage) ratio | 9.0394% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,829,500 | 2,597 |
| Average earning assets | $265,255,500 | 2,581 |
| Average equity | $21,130,500 | 3,049 |
| Average total loans | $183,059,500 | 2,353 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 1,632 |
| Cost of funding earning assets | 0.8301% | 174 |
| Net interest margin | 3.0627% | 3,014 |
| Noninterest income to average assets | 0.9268% | 1,141 |
| Noninterest expense to average assets | 2.3353% | 2,700 |
| Loan and lease loss provision to assets | 0.3367% | 226 |
| Net operating income to assets | 1.1003% | 2,297 |
| Return on assets (ROA) | 1.0868% | 2,419 |
| Pretax return on assets | 1.1396% | 2,857 |
| Return on Equity (ROE) | 12.8574% | 1,502 |
| Retained earnings to average equity (ytd only) | 9.4081% | 1,066 |
| Net charge-offs to loans | 0.3062% | 279 |
| Credit loss provision to net charge-offs | 162.3902% | 1,442 |
| Earnings coverage of net charge-offs (x) | 7.1880% | 2,355 |
| Efficiency ratio | 61.0402% | 2,990 |
| Assets per employee ($millions) | 5.9987% | 2,778 |
| Cash dividends to net income (ytd only)* | 26.8276% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,791 |
| Loan loss allowance to noncurrent loans | 322.3188% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.9509% | 603 |
| Noncurrent loans to loans | 0.3784% | 2,231 |
| Net loans and leases to total assets | 63.8825% | 1,713 |
| Net loans and leases to deposits | 73.7266% | 1,743 |
| Net loans and leases to core deposits | 74.6566% | 2,022 |
| Total domestic deposits to total assets | 86.6478% | 2,644 |
| Equity capital to assets | 8.4189% | 4,104 |
| Core capital (leverage) ratio | 8.9077% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,395,200 | 2,575 |
| Average earning assets | $259,735,600 | 2,552 |
| Average equity | $23,192,800 | 2,966 |
| Average total loans | $185,799,600 | 2,337 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 1,597 |
| Cost of funding earning assets | 0.8820% | 169 |
| Net interest margin | 3.0935% | 3,069 |
| Noninterest income to average assets | 0.9418% | 1,167 |
| Noninterest expense to average assets | 2.3416% | 2,629 |
| Loan and lease loss provision to assets | 0.3226% | 235 |
| Net operating income to assets | 1.1552% | 2,343 |
| Return on assets (ROA) | 1.1473% | 2,436 |
| Pretax return on assets | 1.2021% | 2,924 |
| Return on Equity (ROE) | 13.5603% | 1,534 |
| Retained earnings to average equity (ytd only) | 8.9342% | 1,724 |
| Net charge-offs to loans | 0.3800% | 202 |
| Credit loss provision to net charge-offs | 123.8722% | 1,445 |
| Earnings coverage of net charge-offs (x) | 5.8891% | 2,203 |
| Efficiency ratio | 60.4369% | 2,924 |
| Assets per employee ($millions) | 6.0590% | 2,635 |
| Cash dividends to net income (ytd only)* | 34.1151% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 3,371 |
| Loan loss allowance to noncurrent loans | 283.1206% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 1.6718% | 270 |
| Noncurrent loans to loans | 0.3938% | 2,385 |
| Net loans and leases to total assets | 62.1575% | 1,986 |
| Net loans and leases to deposits | 71.7786% | 2,071 |
| Net loans and leases to core deposits | 73.0145% | 2,315 |
| Total domestic deposits to total assets | 86.5961% | 2,508 |
| Equity capital to assets | 8.2711% | 4,367 |
| Core capital (leverage) ratio | 8.8710% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,509,500 | 2,605 |
| Average earning assets | $258,341,500 | 2,578 |
| Average equity | $23,057,000 | 3,015 |
| Average total loans | $186,666,250 | 2,366 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9958% | 1,574 |
| Cost of funding earning assets | 0.9171% | 172 |
| Net interest margin | 3.0787% | 3,092 |
| Noninterest income to average assets | 0.9321% | 1,191 |
| Noninterest expense to average assets | 2.3962% | 2,478 |
| Loan and lease loss provision to assets | 0.3904% | 163 |
| Net operating income to assets | 1.0220% | 2,816 |
| Return on assets (ROA) | 1.0305% | 2,867 |
| Pretax return on assets | 1.0834% | 3,269 |
| Return on Equity (ROE) | 12.0832% | 2,022 |
| Retained earnings to average equity (ytd only) | 5.0936% | 3,149 |
| Net charge-offs to loans | 0.5697% | 140 |
| Credit loss provision to net charge-offs | 97.2171% | 1,404 |
| Earnings coverage of net charge-offs (x) | 3.6475% | 2,064 |
| Efficiency ratio | 62.0610% | 2,721 |
| Assets per employee ($millions) | 5.8718% | 2,740 |
| Cash dividends to net income (ytd only)* | 57.8453% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 3,756 |
| Loan loss allowance to noncurrent loans | 157.5191% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 1.9877% | 215 |
| Noncurrent loans to loans | 0.6486% | 1,793 |
| Net loans and leases to total assets | 67.9718% | 1,447 |
| Net loans and leases to deposits | 78.0871% | 1,614 |
| Net loans and leases to core deposits | 79.7395% | 1,905 |
| Total domestic deposits to total assets | 87.0461% | 2,290 |
| Equity capital to assets | 8.7409% | 4,016 |
| Core capital (leverage) ratio | 8.4807% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,421,000 | 2,626 |
| Average earning assets | $255,369,667 | 2,592 |
| Average equity | $22,891,333 | 3,020 |
| Average total loans | $189,220,000 | 2,356 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6847% | 2,400 |
| Cost of funding earning assets | 0.9351% | 190 |
| Net interest margin | 2.7496% | 3,870 |
| Noninterest income to average assets | 0.9153% | 1,287 |
| Noninterest expense to average assets | 2.1692% | 3,204 |
| Loan and lease loss provision to assets | 0.2218% | 521 |
| Net operating income to assets | 1.0986% | 2,479 |
| Return on assets (ROA) | 1.0986% | 2,555 |
| Pretax return on assets | 1.1504% | 2,986 |
| Return on Equity (ROE) | 13.0414% | 1,661 |
| Retained earnings to average equity (ytd only) | 13.0414% | 904 |
| Net charge-offs to loans | -0.0062% | 3,475 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2526% | 2,871 |
| Assets per employee ($millions) | 6.0727% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,673 |
| Loan loss allowance to noncurrent loans | 40.3110% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.8355% | 299 |
| Noncurrent loans to loans | 2.5928% | 349 |
| Net loans and leases to total assets | 70.0553% | 1,281 |
| Net loans and leases to deposits | 80.9930% | 1,423 |
| Net loans and leases to core deposits | 82.8350% | 1,767 |
| Total domestic deposits to total assets | 86.4954% | 2,524 |
| Equity capital to assets | 8.3815% | 4,208 |
| Core capital (leverage) ratio | 8.6624% | 3,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,516,500 | 2,594 |
| Average earning assets | $258,369,000 | 2,554 |
| Average equity | $22,789,000 | 3,013 |
| Average total loans | $193,102,000 | 2,330 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 1,674 |
| Cost of funding earning assets | 1.1438% | 345 |
| Net interest margin | 3.2235% | 3,292 |
| Noninterest income to average assets | 1.2170% | 755 |
| Noninterest expense to average assets | 2.9307% | 1,601 |
| Loan and lease loss provision to assets | 0.3835% | 840 |
| Net operating income to assets | 0.9379% | 2,528 |
| Return on assets (ROA) | 0.9379% | 2,676 |
| Pretax return on assets | 0.9678% | 3,147 |
| Return on Equity (ROE) | 10.4620% | 1,824 |
| Retained earnings to average equity (ytd only) | 5.8369% | 1,878 |
| Net charge-offs to loans | 0.4887% | 330 |
| Credit loss provision to net charge-offs | 97.4710% | 2,871 |
| Earnings coverage of net charge-offs (x) | 3.4341% | 3,086 |
| Efficiency ratio | 68.4419% | 2,173 |
| Assets per employee ($millions) | 5.6971% | 2,629 |
| Cash dividends to net income (ytd only)* | 44.2087% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 3,977 |
| Loan loss allowance to noncurrent loans | 35.9078% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.9439% | 294 |
| Noncurrent loans to loans | 2.7005% | 351 |
| Net loans and leases to total assets | 71.2843% | 1,391 |
| Net loans and leases to deposits | 82.8848% | 1,561 |
| Net loans and leases to core deposits | 85.3567% | 1,923 |
| Total domestic deposits to total assets | 86.0040% | 2,363 |
| Equity capital to assets | 8.4679% | 4,468 |
| Core capital (leverage) ratio | 8.8662% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,173,400 | 2,649 |
| Average earning assets | $229,315,400 | 2,603 |
| Average equity | $21,621,200 | 3,047 |
| Average total loans | $194,206,000 | 2,299 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4310% | 1,761 |
| Cost of funding earning assets | 1.2013% | 373 |
| Net interest margin | 3.2297% | 3,393 |
| Noninterest income to average assets | 1.2376% | 717 |
| Noninterest expense to average assets | 3.1649% | 1,134 |
| Loan and lease loss provision to assets | 0.4916% | 604 |
| Net operating income to assets | 0.6197% | 3,717 |
| Return on assets (ROA) | 0.6197% | 3,808 |
| Pretax return on assets | 0.6515% | 4,005 |
| Return on Equity (ROE) | 6.8045% | 3,271 |
| Retained earnings to average equity (ytd only) | 0.5618% | 4,371 |
| Net charge-offs to loans | 0.3145% | 504 |
| Credit loss provision to net charge-offs | 188.4532% | 2,152 |
| Earnings coverage of net charge-offs (x) | 4.3813% | 2,824 |
| Efficiency ratio | 73.4627% | 1,465 |
| Assets per employee ($millions) | 5.4311% | 2,769 |
| Cash dividends to net income (ytd only)* | 91.7431% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 2,872 |
| Loan loss allowance to noncurrent loans | 41.4683% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 2.2684% | 256 |
| Noncurrent loans to loans | 2.8053% | 352 |
| Net loans and leases to total assets | 79.9198% | 624 |
| Net loans and leases to deposits | 94.2865% | 899 |
| Net loans and leases to core deposits | 99.1105% | 1,231 |
| Total domestic deposits to total assets | 84.7627% | 2,523 |
| Equity capital to assets | 8.7909% | 4,263 |
| Core capital (leverage) ratio | 8.3726% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,526,000 | 2,678 |
| Average earning assets | $222,967,750 | 2,629 |
| Average equity | $21,358,000 | 3,062 |
| Average total loans | $194,572,000 | 2,285 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 1,803 |
| Cost of funding earning assets | 1.2304% | 462 |
| Net interest margin | 3.3092% | 3,360 |
| Noninterest income to average assets | 1.1745% | 722 |
| Noninterest expense to average assets | 3.3516% | 924 |
| Loan and lease loss provision to assets | 0.4365% | 888 |
| Net operating income to assets | 0.5065% | 4,001 |
| Return on assets (ROA) | 0.5065% | 4,076 |
| Pretax return on assets | 0.5315% | 4,197 |
| Return on Equity (ROE) | 5.4983% | 3,674 |
| Retained earnings to average equity (ytd only) | -3.8845% | 4,719 |
| Net charge-offs to loans | -0.0155% | 4,334 |
| Credit loss provision to net charge-offs | -3,366.6667% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5910% | 1,089 |
| Assets per employee ($millions) | 5.3487% | 2,778 |
| Cash dividends to net income (ytd only)* | 170.6485% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,494 |
| Loan loss allowance to noncurrent loans | 36.7275% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 2.6135% | 207 |
| Noncurrent loans to loans | 3.2777% | 263 |
| Net loans and leases to total assets | 78.7747% | 748 |
| Net loans and leases to deposits | 97.4164% | 699 |
| Net loans and leases to core deposits | 109.0695% | 768 |
| Total domestic deposits to total assets | 80.8639% | 3,641 |
| Equity capital to assets | 8.3520% | 4,563 |
| Core capital (leverage) ratio | 8.7808% | 4,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,412,000 | 2,670 |
| Average earning assets | $219,930,000 | 2,630 |
| Average equity | $21,315,667 | 3,052 |
| Average total loans | $193,732,333 | 2,267 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9920% | 988 |
| Cost of funding earning assets | 1.2756% | 606 |
| Net interest margin | 3.7164% | 2,275 |
| Noninterest income to average assets | 0.8003% | 1,313 |
| Noninterest expense to average assets | 3.0457% | 1,773 |
| Loan and lease loss provision to assets | 0.2890% | 1,077 |
| Net operating income to assets | 0.9303% | 2,416 |
| Return on assets (ROA) | 0.9303% | 2,526 |
| Pretax return on assets | 0.9918% | 2,868 |
| Return on Equity (ROE) | 9.5923% | 1,879 |
| Retained earnings to average equity (ytd only) | 9.5923% | 827 |
| Net charge-offs to loans | -0.0021% | 3,660 |
| Credit loss provision to net charge-offs | -16,000.0000% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3967% | 2,294 |
| Assets per employee ($millions) | 4.8623% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,372 |
| Loan loss allowance to noncurrent loans | 152.3739% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5899% | 2,233 |
| Noncurrent loans to loans | 0.6993% | 2,249 |
| Net loans and leases to total assets | 83.4521% | 307 |
| Net loans and leases to deposits | 100.7544% | 507 |
| Net loans and leases to core deposits | 116.1234% | 583 |
| Total domestic deposits to total assets | 82.8272% | 3,157 |
| Equity capital to assets | 9.5292% | 4,188 |
| Core capital (leverage) ratio | 9.8844% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,423,500 | 2,702 |
| Average earning assets | $210,095,500 | 2,663 |
| Average equity | $21,475,500 | 3,026 |
| Average total loans | $190,376,500 | 2,260 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0075% | 1,457 |
| Cost of funding earning assets | 1.2615% | 861 |
| Net interest margin | 3.7460% | 2,671 |
| Noninterest income to average assets | 0.7903% | 1,478 |
| Noninterest expense to average assets | 2.8996% | 2,293 |
| Loan and lease loss provision to assets | 0.1948% | 1,047 |
| Net operating income to assets | 1.2122% | 2,013 |
| Return on assets (ROA) | 1.2127% | 2,102 |
| Pretax return on assets | 1.2444% | 2,685 |
| Return on Equity (ROE) | 12.2994% | 1,397 |
| Retained earnings to average equity (ytd only) | 4.9812% | 2,430 |
| Net charge-offs to loans | 0.3523% | 567 |
| Credit loss provision to net charge-offs | 63.6792% | 2,993 |
| Earnings coverage of net charge-offs (x) | 4.7028% | 3,182 |
| Efficiency ratio | 66.8367% | 2,638 |
| Assets per employee ($millions) | 4.4649% | 3,281 |
| Cash dividends to net income (ytd only)* | 59.5002% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,457 |
| Loan loss allowance to noncurrent loans | 223.2311% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 2,817 |
| Noncurrent loans to loans | 0.4511% | 2,823 |
| Net loans and leases to total assets | 86.8307% | 126 |
| Net loans and leases to deposits | 103.7736% | 383 |
| Net loans and leases to core deposits | 120.8051% | 455 |
| Total domestic deposits to total assets | 83.6733% | 2,964 |
| Equity capital to assets | 9.8798% | 4,031 |
| Core capital (leverage) ratio | 9.9792% | 3,542 |
| Tier 1 risk-based capital ratio | 11.3051% | 4,734 |
| Total risk-based capital ratio | 12.3210% | 4,725 |
| Memoranda: | ||
| Average total assets | $207,887,400 | 2,777 |
| Average earning assets | $196,905,400 | 2,732 |
| Average equity | $20,497,000 | 3,087 |
| Average total loans | $180,525,800 | 2,309 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9935% | 1,557 |
| Cost of funding earning assets | 1.2402% | 936 |
| Net interest margin | 3.7534% | 2,740 |
| Noninterest income to average assets | 0.7692% | 1,523 |
| Noninterest expense to average assets | 2.8782% | 2,327 |
| Loan and lease loss provision to assets | 0.0776% | 2,351 |
| Net operating income to assets | 1.3050% | 1,837 |
| Return on assets (ROA) | 1.3056% | 1,918 |
| Pretax return on assets | 1.3664% | 2,435 |
| Return on Equity (ROE) | 13.2492% | 1,193 |
| Retained earnings to average equity (ytd only) | 5.3784% | 2,686 |
| Net charge-offs to loans | 0.0873% | 1,601 |
| Credit loss provision to net charge-offs | 102.5641% | 2,201 |
| Earnings coverage of net charge-offs (x) | 19.0850% | 2,022 |
| Efficiency ratio | 66.6019% | 2,650 |
| Assets per employee ($millions) | 4.3593% | 3,400 |
| Cash dividends to net income (ytd only)* | 59.4059% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 2,667 |
| Loan loss allowance to noncurrent loans | 167.3485% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8390% | 1,643 |
| Noncurrent loans to loans | 0.6980% | 2,209 |
| Net loans and leases to total assets | 87.8343% | 100 |
| Net loans and leases to deposits | 105.9504% | 326 |
| Net loans and leases to core deposits | 120.7881% | 509 |
| Total domestic deposits to total assets | 82.9013% | 3,200 |
| Equity capital to assets | 10.2339% | 3,789 |
| Core capital (leverage) ratio | 10.1207% | 3,507 |
| Tier 1 risk-based capital ratio | 11.4850% | 4,673 |
| Total risk-based capital ratio | 12.6558% | 4,613 |
| Memoranda: | ||
| Average total assets | $206,280,000 | 2,809 |
| Average earning assets | $195,233,750 | 2,763 |
| Average equity | $20,327,750 | 3,121 |
| Average total loans | $178,660,750 | 2,357 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9086% | 1,725 |
| Cost of funding earning assets | 1.2006% | 994 |
| Net interest margin | 3.7080% | 2,911 |
| Noninterest income to average assets | 0.7091% | 1,679 |
| Noninterest expense to average assets | 2.8818% | 2,327 |
| Loan and lease loss provision to assets | 0.1161% | 1,613 |
| Net operating income to assets | 1.1658% | 2,275 |
| Return on assets (ROA) | 1.1686% | 2,341 |
| Pretax return on assets | 1.2276% | 2,821 |
| Return on Equity (ROE) | 12.0113% | 1,573 |
| Retained earnings to average equity (ytd only) | 0.0795% | 4,668 |
| Net charge-offs to loans | 0.1329% | 1,138 |
| Credit loss provision to net charge-offs | 101.6949% | 1,938 |
| Earnings coverage of net charge-offs (x) | 11.7458% | 2,186 |
| Efficiency ratio | 68.2474% | 2,496 |
| Assets per employee ($millions) | 4.4233% | 3,253 |
| Cash dividends to net income (ytd only)* | 99.3377% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 2,593 |
| Loan loss allowance to noncurrent loans | 147.7415% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.9077% | 1,533 |
| Noncurrent loans to loans | 0.8038% | 1,987 |
| Net loans and leases to total assets | 85.0886% | 276 |
| Net loans and leases to deposits | 101.8916% | 549 |
| Net loans and leases to core deposits | 115.5475% | 703 |
| Total domestic deposits to total assets | 83.5089% | 3,048 |
| Equity capital to assets | 9.6621% | 4,261 |
| Core capital (leverage) ratio | 9.8033% | 3,827 |
| Tier 1 risk-based capital ratio | 11.2273% | 4,819 |
| Total risk-based capital ratio | 12.4176% | 4,738 |
| Memoranda: | ||
| Average total assets | $206,744,330 | 2,814 |
| Average earning assets | $195,900,000 | 2,772 |
| Average equity | $20,114,330 | 3,137 |
| Average total loans | $177,518,330 | 2,371 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 1,815 |
| Cost of funding earning assets | 1.1550% | 1,030 |
| Net interest margin | 3.6761% | 2,984 |
| Noninterest income to average assets | 0.6577% | 1,795 |
| Noninterest expense to average assets | 2.9296% | 2,184 |
| Loan and lease loss provision to assets | 0.1164% | 1,510 |
| Net operating income to assets | 1.0302% | 2,744 |
| Return on assets (ROA) | 1.0302% | 2,783 |
| Pretax return on assets | 1.0942% | 3,169 |
| Return on Equity (ROE) | 10.5525% | 2,141 |
| Retained earnings to average equity (ytd only) | 10.5525% | 918 |
| Net charge-offs to loans | 0.1177% | 1,034 |
| Credit loss provision to net charge-offs | 115.3846% | 1,450 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,890 |
| Efficiency ratio | 70.7591% | 2,231 |
| Assets per employee ($millions) | 4.6142% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 2,584 |
| Loan loss allowance to noncurrent loans | 385.5335% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 2,602 |
| Noncurrent loans to loans | 0.3109% | 3,450 |
| Net loans and leases to total assets | 84.6251% | 319 |
| Net loans and leases to deposits | 100.6807% | 584 |
| Net loans and leases to core deposits | 113.6764% | 752 |
| Total domestic deposits to total assets | 84.0529% | 3,031 |
| Equity capital to assets | 9.8701% | 3,945 |
| Core capital (leverage) ratio | 10.1215% | 3,461 |
| Tier 1 risk-based capital ratio | 11.5824% | 4,700 |
| Total risk-based capital ratio | 12.7824% | 4,616 |
| Memoranda: | ||
| Average total assets | $206,169,500 | 2,843 |
| Average earning assets | $195,317,000 | 2,804 |
| Average equity | $20,128,000 | 3,153 |
| Average total loans | $176,767,500 | 2,400 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 1,797 |
| Cost of funding earning assets | 1.0282% | 672 |
| Net interest margin | 3.6798% | 3,117 |
| Noninterest income to average assets | 0.7640% | 1,589 |
| Noninterest expense to average assets | 2.9695% | 2,140 |
| Loan and lease loss provision to assets | 0.1011% | 2,167 |
| Net operating income to assets | 1.1348% | 2,452 |
| Return on assets (ROA) | 1.1334% | 2,461 |
| Pretax return on assets | 1.1830% | 2,949 |
| Return on Equity (ROE) | 11.9890% | 1,719 |
| Retained earnings to average equity (ytd only) | 3.6849% | 3,551 |
| Net charge-offs to loans | 0.0962% | 1,801 |
| Credit loss provision to net charge-offs | 123.3533% | 2,120 |
| Earnings coverage of net charge-offs (x) | 15.6886% | 2,312 |
| Efficiency ratio | 69.7878% | 2,225 |
| Assets per employee ($millions) | 4.5489% | 3,089 |
| Cash dividends to net income (ytd only)* | 69.2641% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,522 |
| Loan loss allowance to noncurrent loans | 386.8852% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 2,522 |
| Noncurrent loans to loans | 0.3125% | 3,430 |
| Net loans and leases to total assets | 84.7896% | 337 |
| Net loans and leases to deposits | 100.9175% | 676 |
| Net loans and leases to core deposits | 114.3552% | 767 |
| Total domestic deposits to total assets | 84.0187% | 2,991 |
| Equity capital to assets | 9.6540% | 3,999 |
| Core capital (leverage) ratio | 9.7402% | 3,867 |
| Tier 1 risk-based capital ratio | 11.3657% | 4,788 |
| Total risk-based capital ratio | 12.5700% | 4,712 |
| Memoranda: | ||
| Average total assets | $203,807,600 | 2,823 |
| Average earning assets | $193,353,400 | 2,784 |
| Average equity | $19,267,600 | 3,158 |
| Average total loans | $173,554,800 | 2,402 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6387% | 1,874 |
| Cost of funding earning assets | 0.9782% | 647 |
| Net interest margin | 3.6605% | 3,163 |
| Noninterest income to average assets | 0.7604% | 1,630 |
| Noninterest expense to average assets | 2.9307% | 2,229 |
| Loan and lease loss provision to assets | 0.0923% | 2,130 |
| Net operating income to assets | 1.1611% | 2,406 |
| Return on assets (ROA) | 1.1592% | 2,416 |
| Pretax return on assets | 1.2129% | 2,944 |
| Return on Equity (ROE) | 12.3273% | 1,669 |
| Retained earnings to average equity (ytd only) | 1.8804% | 4,616 |
| Net charge-offs to loans | 0.0015% | 3,443 |
| Credit loss provision to net charge-offs | 7,050.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 996.7303% | 83 |
| Efficiency ratio | 69.1547% | 2,333 |
| Assets per employee ($millions) | 4.4219% | 3,238 |
| Cash dividends to net income (ytd only)* | 84.7458% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,223 |
| Loan loss allowance to noncurrent loans | 159.1983% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.9341% | 1,574 |
| Noncurrent loans to loans | 0.8009% | 2,108 |
| Net loans and leases to total assets | 84.6628% | 382 |
| Net loans and leases to deposits | 100.2346% | 765 |
| Net loans and leases to core deposits | 112.4284% | 896 |
| Total domestic deposits to total assets | 84.4646% | 2,795 |
| Equity capital to assets | 9.4466% | 4,132 |
| Core capital (leverage) ratio | 9.6071% | 4,050 |
| Tier 1 risk-based capital ratio | 11.2435% | 4,931 |
| Total risk-based capital ratio | 12.4937% | 4,821 |
| Memoranda: | ||
| Average total assets | $203,584,000 | 2,847 |
| Average earning assets | $193,410,750 | 2,803 |
| Average equity | $19,144,000 | 3,193 |
| Average total loans | $173,021,000 | 2,417 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 1,853 |
| Cost of funding earning assets | 0.9095% | 707 |
| Net interest margin | 3.6671% | 3,056 |
| Noninterest income to average assets | 0.7739% | 1,556 |
| Noninterest expense to average assets | 2.9444% | 2,210 |
| Loan and lease loss provision to assets | 0.1385% | 1,410 |
| Net operating income to assets | 1.1165% | 2,527 |
| Return on assets (ROA) | 1.1137% | 2,538 |
| Pretax return on assets | 1.1726% | 3,039 |
| Return on Equity (ROE) | 11.8617% | 1,774 |
| Retained earnings to average equity (ytd only) | -3.8284% | 5,247 |
| Net charge-offs to loans | -0.0012% | 3,898 |
| Credit loss provision to net charge-offs | -14,100.0000% | 4,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1421% | 2,457 |
| Assets per employee ($millions) | 4.5641% | 3,028 |
| Cash dividends to net income (ytd only)* | 132.2751% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 2,317 |
| Loan loss allowance to noncurrent loans | 122.9707% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.9018% | 1,666 |
| Noncurrent loans to loans | 1.0335% | 1,703 |
| Net loans and leases to total assets | 86.1459% | 253 |
| Net loans and leases to deposits | 102.3184% | 639 |
| Net loans and leases to core deposits | 112.6595% | 853 |
| Total domestic deposits to total assets | 84.1940% | 2,995 |
| Equity capital to assets | 9.2888% | 4,294 |
| Core capital (leverage) ratio | 9.3199% | 4,339 |
| Tier 1 risk-based capital ratio | 10.9102% | 5,105 |
| Total risk-based capital ratio | 12.1605% | 4,991 |
| Memoranda: | ||
| Average total assets | $203,643,000 | 2,868 |
| Average earning assets | $193,502,330 | 2,817 |
| Average equity | $19,120,330 | 3,209 |
| Average total loans | $172,550,000 | 2,424 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 2,024 |
| Cost of funding earning assets | 0.8376% | 800 |
| Net interest margin | 3.6110% | 3,132 |
| Noninterest income to average assets | 0.6496% | 2,032 |
| Noninterest expense to average assets | 2.8480% | 2,540 |
| Loan and lease loss provision to assets | 0.1229% | 1,536 |
| Net operating income to assets | 1.0413% | 2,686 |
| Return on assets (ROA) | 1.0358% | 2,726 |
| Pretax return on assets | 1.1041% | 3,161 |
| Return on Equity (ROE) | 10.9748% | 1,985 |
| Retained earnings to average equity (ytd only) | 8.9079% | 1,489 |
| Net charge-offs to loans | -0.0023% | 3,825 |
| Credit loss provision to net charge-offs | -6,300.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7897% | 2,518 |
| Assets per employee ($millions) | 4.8459% | 2,686 |
| Cash dividends to net income (ytd only)* | 18.8324% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,580 |
| Loan loss allowance to noncurrent loans | 188.8401% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.5923% | 2,544 |
| Noncurrent loans to loans | 0.6564% | 2,583 |
| Net loans and leases to total assets | 80.3002% | 895 |
| Net loans and leases to deposits | 94.2747% | 1,203 |
| Net loans and leases to core deposits | 104.2081% | 1,361 |
| Total domestic deposits to total assets | 85.1768% | 2,868 |
| Equity capital to assets | 9.1417% | 4,425 |
| Core capital (leverage) ratio | 9.8684% | 3,690 |
| Tier 1 risk-based capital ratio | 11.3469% | 4,956 |
| Total risk-based capital ratio | 12.5805% | 4,854 |
| Memoranda: | ||
| Average total assets | $205,053,500 | 2,886 |
| Average earning assets | $194,848,000 | 2,828 |
| Average equity | $19,353,500 | 3,215 |
| Average total loans | $171,211,500 | 2,458 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 1,925 |
| Cost of funding earning assets | 0.7626% | 777 |
| Net interest margin | 3.6740% | 2,898 |
| Noninterest income to average assets | 0.7766% | 1,656 |
| Noninterest expense to average assets | 2.9232% | 2,376 |
| Loan and lease loss provision to assets | 0.3196% | 531 |
| Net operating income to assets | 0.9514% | 2,440 |
| Return on assets (ROA) | 0.9514% | 2,472 |
| Pretax return on assets | 1.0041% | 3,549 |
| Return on Equity (ROE) | 9.5452% | 2,083 |
| Retained earnings to average equity (ytd only) | 3.7346% | 2,990 |
| Net charge-offs to loans | 0.0772% | 2,347 |
| Credit loss provision to net charge-offs | 489.5161% | 638 |
| Earnings coverage of net charge-offs (x) | 20.2742% | 1,974 |
| Efficiency ratio | 68.8321% | 2,737 |
| Assets per employee ($millions) | 4.5788% | 3,062 |
| Cash dividends to net income (ytd only)* | 60.8744% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,577 |
| Loan loss allowance to noncurrent loans | 296.1648% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 3,184 |
| Noncurrent loans to loans | 0.4164% | 3,279 |
| Net loans and leases to total assets | 84.8065% | 363 |
| Net loans and leases to deposits | 100.6098% | 685 |
| Net loans and leases to core deposits | 112.4231% | 876 |
| Total domestic deposits to total assets | 84.2925% | 3,097 |
| Equity capital to assets | 9.7594% | 3,954 |
| Core capital (leverage) ratio | 9.8195% | 3,674 |
| Tier 1 risk-based capital ratio | 11.4748% | 4,867 |
| Total risk-based capital ratio | 12.7122% | 4,769 |
| Memoranda: | ||
| Average total assets | $189,927,200 | 3,019 |
| Average earning assets | $179,397,400 | 2,971 |
| Average equity | $18,931,000 | 3,250 |
| Average total loans | $160,594,000 | 2,544 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 2,012 |
| Cost of funding earning assets | 0.7424% | 786 |
| Net interest margin | 3.6384% | 3,002 |
| Noninterest income to average assets | 0.7645% | 1,719 |
| Noninterest expense to average assets | 2.9091% | 2,368 |
| Loan and lease loss provision to assets | 0.1389% | 1,538 |
| Net operating income to assets | 1.1031% | 2,080 |
| Return on assets (ROA) | 1.1031% | 2,128 |
| Pretax return on assets | 1.1506% | 3,112 |
| Return on Equity (ROE) | 11.0072% | 1,696 |
| Retained earnings to average equity (ytd only) | 3.9377% | 3,578 |
| Net charge-offs to loans | 0.1035% | 1,751 |
| Credit loss provision to net charge-offs | 159.3496% | 1,606 |
| Earnings coverage of net charge-offs (x) | 14.7964% | 2,274 |
| Efficiency ratio | 69.2879% | 2,653 |
| Assets per employee ($millions) | 4.3644% | 3,365 |
| Cash dividends to net income (ytd only)* | 64.2260% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 4,000 |
| Loan loss allowance to noncurrent loans | 237.5887% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 3,256 |
| Noncurrent loans to loans | 0.4249% | 3,425 |
| Net loans and leases to total assets | 85.5279% | 290 |
| Net loans and leases to deposits | 102.0485% | 611 |
| Net loans and leases to core deposits | 112.9728% | 890 |
| Total domestic deposits to total assets | 83.8110% | 3,192 |
| Equity capital to assets | 9.9676% | 3,947 |
| Core capital (leverage) ratio | 10.0892% | 3,454 |
| Tier 1 risk-based capital ratio | 11.5475% | 4,932 |
| Total risk-based capital ratio | 12.5557% | 4,965 |
| Memoranda: | ||
| Average total assets | $188,187,250 | 3,065 |
| Average earning assets | $177,619,250 | 3,011 |
| Average equity | $18,860,000 | 3,286 |
| Average total loans | $158,478,000 | 2,584 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3383% | 2,007 |
| Cost of funding earning assets | 0.7219% | 791 |
| Net interest margin | 3.6164% | 2,972 |
| Noninterest income to average assets | 0.7533% | 1,758 |
| Noninterest expense to average assets | 2.9127% | 2,383 |
| Loan and lease loss provision to assets | 0.1327% | 1,567 |
| Net operating income to assets | 1.0765% | 2,097 |
| Return on assets (ROA) | 1.0765% | 2,144 |
| Pretax return on assets | 1.1171% | 3,102 |
| Return on Equity (ROE) | 10.7213% | 1,751 |
| Retained earnings to average equity (ytd only) | 2.1954% | 4,362 |
| Net charge-offs to loans | 0.1603% | 1,204 |
| Credit loss provision to net charge-offs | 99.2000% | 2,047 |
| Earnings coverage of net charge-offs (x) | 9.3440% | 2,444 |
| Efficiency ratio | 69.9743% | 2,681 |
| Assets per employee ($millions) | 4.2138% | 3,591 |
| Cash dividends to net income (ytd only)* | 79.5229% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 4,064 |
| Loan loss allowance to noncurrent loans | 1,212.8788% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 4,382 |
| Noncurrent loans to loans | 0.0836% | 4,797 |
| Net loans and leases to total assets | 84.3391% | 407 |
| Net loans and leases to deposits | 100.8149% | 679 |
| Net loans and leases to core deposits | 106.4314% | 1,197 |
| Total domestic deposits to total assets | 83.6574% | 3,337 |
| Equity capital to assets | 10.1475% | 3,742 |
| Core capital (leverage) ratio | 10.1453% | 3,344 |
| Tier 1 risk-based capital ratio | 11.8931% | 4,705 |
| Total risk-based capital ratio | 12.9040% | 4,745 |
| Memoranda: | ||
| Average total assets | $186,905,670 | 3,088 |
| Average earning assets | $176,196,670 | 3,037 |
| Average equity | $18,766,330 | 3,301 |
| Average total loans | $155,998,670 | 2,618 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2279% | 2,175 |
| Cost of funding earning assets | 0.7129% | 787 |
| Net interest margin | 3.5150% | 3,224 |
| Noninterest income to average assets | 0.7375% | 1,793 |
| Noninterest expense to average assets | 2.8925% | 2,474 |
| Loan and lease loss provision to assets | 0.1215% | 1,575 |
| Net operating income to assets | 1.0274% | 2,178 |
| Return on assets (ROA) | 1.0274% | 2,228 |
| Pretax return on assets | 1.0445% | 3,184 |
| Return on Equity (ROE) | 10.2868% | 1,835 |
| Retained earnings to average equity (ytd only) | 10.2868% | 751 |
| Net charge-offs to loans | 0.1961% | 881 |
| Credit loss provision to net charge-offs | 75.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 7.1974% | 2,159 |
| Efficiency ratio | 71.2710% | 2,690 |
| Assets per employee ($millions) | 4.2412% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 4,063 |
| Loan loss allowance to noncurrent loans | 673.6170% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 4,444 |
| Noncurrent loans to loans | 0.1535% | 4,573 |
| Net loans and leases to total assets | 81.1765% | 671 |
| Net loans and leases to deposits | 95.6907% | 959 |
| Net loans and leases to core deposits | 104.4213% | 1,200 |
| Total domestic deposits to total assets | 84.8322% | 3,151 |
| Equity capital to assets | 10.1885% | 3,520 |
| Core capital (leverage) ratio | 10.3813% | 3,028 |
| Tier 1 risk-based capital ratio | 12.3319% | 4,487 |
| Total risk-based capital ratio | 13.3534% | 4,545 |
| Memoranda: | ||
| Average total assets | $187,656,000 | 3,110 |
| Average earning assets | $177,298,500 | 3,057 |
| Average equity | $18,742,500 | 3,316 |
| Average total loans | $155,013,000 | 2,638 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2909% | 2,168 |
| Cost of funding earning assets | 0.7212% | 740 |
| Net interest margin | 3.5697% | 3,189 |
| Noninterest income to average assets | 0.7916% | 1,775 |
| Noninterest expense to average assets | 2.9923% | 2,375 |
| Loan and lease loss provision to assets | 0.2919% | 655 |
| Net operating income to assets | 0.8329% | 3,139 |
| Return on assets (ROA) | 0.8329% | 3,254 |
| Pretax return on assets | 0.8601% | 3,975 |
| Return on Equity (ROE) | 8.5839% | 2,622 |
| Retained earnings to average equity (ytd only) | 7.4633% | 1,051 |
| Net charge-offs to loans | 0.1705% | 1,596 |
| Credit loss provision to net charge-offs | 207.3359% | 1,372 |
| Earnings coverage of net charge-offs (x) | 8.1815% | 2,907 |
| Efficiency ratio | 72.2025% | 2,562 |
| Assets per employee ($millions) | 4.2886% | 3,452 |
| Cash dividends to net income (ytd only)* | 13.0548% | 3,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 4,188 |
| Loan loss allowance to noncurrent loans | 221.5768% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 3,463 |
| Noncurrent loans to loans | 0.4606% | 3,509 |
| Net loans and leases to total assets | 82.3296% | 563 |
| Net loans and leases to deposits | 96.6553% | 940 |
| Net loans and leases to core deposits | 108.1384% | 1,016 |
| Total domestic deposits to total assets | 85.1786% | 2,967 |
| Equity capital to assets | 9.7891% | 3,952 |
| Core capital (leverage) ratio | 9.9357% | 3,577 |
| Tier 1 risk-based capital ratio | 11.8054% | 4,856 |
| Total risk-based capital ratio | 12.8206% | 4,914 |
| Memoranda: | ||
| Average total assets | $183,941,000 | 3,122 |
| Average earning assets | $172,759,000 | 3,082 |
| Average equity | $17,847,400 | 3,428 |
| Average total loans | $151,935,400 | 2,620 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2948% | 2,179 |
| Cost of funding earning assets | 0.7183% | 745 |
| Net interest margin | 3.5765% | 3,173 |
| Noninterest income to average assets | 0.7668% | 1,902 |
| Noninterest expense to average assets | 3.0248% | 2,245 |
| Loan and lease loss provision to assets | 0.3239% | 510 |
| Net operating income to assets | 0.7398% | 3,646 |
| Return on assets (ROA) | 0.7398% | 3,777 |
| Pretax return on assets | 0.7712% | 4,409 |
| Return on Equity (ROE) | 7.6420% | 3,224 |
| Retained earnings to average equity (ytd only) | 6.1347% | 2,106 |
| Net charge-offs to loans | 0.2424% | 965 |
| Credit loss provision to net charge-offs | 162.0438% | 1,687 |
| Earnings coverage of net charge-offs (x) | 5.4782% | 3,124 |
| Efficiency ratio | 73.4195% | 2,378 |
| Assets per employee ($millions) | 4.0822% | 3,817 |
| Cash dividends to net income (ytd only)* | 19.7238% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 4,530 |
| Loan loss allowance to noncurrent loans | 285.6597% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 3,457 |
| Noncurrent loans to loans | 0.3422% | 4,029 |
| Net loans and leases to total assets | 84.2687% | 388 |
| Net loans and leases to deposits | 99.7154% | 720 |
| Net loans and leases to core deposits | 108.5150% | 1,014 |
| Total domestic deposits to total assets | 84.5093% | 3,027 |
| Equity capital to assets | 10.1282% | 4,002 |
| Core capital (leverage) ratio | 9.7562% | 3,868 |
| Tier 1 risk-based capital ratio | 11.7895% | 4,925 |
| Total risk-based capital ratio | 12.7620% | 4,992 |
| Memoranda: | ||
| Average total assets | $182,751,250 | 3,145 |
| Average earning assets | $171,335,750 | 3,107 |
| Average equity | $17,691,250 | 3,479 |
| Average total loans | $150,679,750 | 2,631 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2265% | 2,421 |
| Cost of funding earning assets | 0.7032% | 788 |
| Net interest margin | 3.5232% | 3,400 |
| Noninterest income to average assets | 0.7345% | 1,989 |
| Noninterest expense to average assets | 2.9990% | 2,352 |
| Loan and lease loss provision to assets | 0.4472% | 320 |
| Net operating income to assets | 0.5680% | 4,408 |
| Return on assets (ROA) | 0.5680% | 4,533 |
| Pretax return on assets | 0.5865% | 4,919 |
| Return on Equity (ROE) | 5.9574% | 4,069 |
| Retained earnings to average equity (ytd only) | 3.6749% | 3,550 |
| Net charge-offs to loans | 0.3854% | 591 |
| Credit loss provision to net charge-offs | 142.2145% | 1,659 |
| Earnings coverage of net charge-offs (x) | 3.2872% | 3,133 |
| Efficiency ratio | 74.3659% | 2,309 |
| Assets per employee ($millions) | 4.2100% | 3,546 |
| Cash dividends to net income (ytd only)* | 38.3142% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 4,795 |
| Loan loss allowance to noncurrent loans | 241.0000% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 3,505 |
| Noncurrent loans to loans | 0.3911% | 3,962 |
| Net loans and leases to total assets | 83.9403% | 422 |
| Net loans and leases to deposits | 98.9587% | 791 |
| Net loans and leases to core deposits | 103.5567% | 1,362 |
| Total domestic deposits to total assets | 84.8236% | 2,955 |
| Equity capital to assets | 9.8127% | 4,435 |
| Core capital (leverage) ratio | 9.6800% | 3,962 |
| Tier 1 risk-based capital ratio | 11.5492% | 5,122 |
| Total risk-based capital ratio | 12.4971% | 5,202 |
| Memoranda: | ||
| Average total assets | $183,796,000 | 3,146 |
| Average earning assets | $172,059,000 | 3,117 |
| Average equity | $17,524,330 | 3,511 |
| Average total loans | $149,954,670 | 2,648 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 2,653 |
| Cost of funding earning assets | 0.6916% | 841 |
| Net interest margin | 3.4580% | 3,629 |
| Noninterest income to average assets | 0.7279% | 1,914 |
| Noninterest expense to average assets | 3.0111% | 2,358 |
| Loan and lease loss provision to assets | 0.5292% | 221 |
| Net operating income to assets | 0.4363% | 4,876 |
| Return on assets (ROA) | 0.4363% | 4,957 |
| Pretax return on assets | 0.4169% | 5,270 |
| Return on Equity (ROE) | 4.6425% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.6425% | 3,156 |
| Net charge-offs to loans | -0.0027% | 4,162 |
| Credit loss provision to net charge-offs | -24,500.0000% | 5,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0917% | 2,167 |
| Assets per employee ($millions) | 4.1663% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 4,417 |
| Loan loss allowance to noncurrent loans | 234.3284% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 3,191 |
| Noncurrent loans to loans | 0.4417% | 3,858 |
| Net loans and leases to total assets | 81.8839% | 569 |
| Net loans and leases to deposits | 95.0201% | 1,042 |
| Net loans and leases to core deposits | 102.7609% | 1,281 |
| Total domestic deposits to total assets | 86.1754% | 2,600 |
| Equity capital to assets | 9.5926% | 4,574 |
| Core capital (leverage) ratio | 9.4459% | 4,287 |
| Tier 1 risk-based capital ratio | 11.4766% | 5,244 |
| Total risk-based capital ratio | 12.5063% | 5,271 |
| Memoranda: | ||
| Average total assets | $185,178,500 | 3,143 |
| Average earning assets | $172,930,500 | 3,122 |
| Average equity | $17,404,500 | 3,525 |
| Average total loans | $148,230,000 | 2,678 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1696% | 2,667 |
| Cost of funding earning assets | 0.6955% | 840 |
| Net interest margin | 3.4740% | 3,621 |
| Noninterest income to average assets | 0.7114% | 2,150 |
| Noninterest expense to average assets | 3.0106% | 2,509 |
| Loan and lease loss provision to assets | 0.3023% | 567 |
| Net operating income to assets | 0.6069% | 4,240 |
| Return on assets (ROA) | 0.6064% | 4,340 |
| Pretax return on assets | 0.6332% | 4,733 |
| Return on Equity (ROE) | 6.4348% | 3,821 |
| Retained earnings to average equity (ytd only) | 5.1004% | 2,349 |
| Net charge-offs to loans | 0.5196% | 492 |
| Credit loss provision to net charge-offs | 73.5054% | 3,066 |
| Earnings coverage of net charge-offs (x) | 2.2758% | 3,936 |
| Efficiency ratio | 76.2815% | 2,229 |
| Assets per employee ($millions) | 4.2509% | 3,489 |
| Cash dividends to net income (ytd only)* | 20.7373% | 3,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 5,030 |
| Loan loss allowance to noncurrent loans | 285.9611% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5229% | 3,549 |
| Noncurrent loans to loans | 0.3198% | 4,312 |
| Net loans and leases to total assets | 76.6995% | 1,300 |
| Net loans and leases to deposits | 89.1631% | 1,726 |
| Net loans and leases to core deposits | 96.5027% | 1,798 |
| Total domestic deposits to total assets | 86.0216% | 2,630 |
| Equity capital to assets | 9.2088% | 4,892 |
| Core capital (leverage) ratio | 9.3251% | 4,435 |
| Tier 1 risk-based capital ratio | 11.6991% | 5,134 |
| Total risk-based capital ratio | 12.5946% | 5,245 |
| Memoranda: | ||
| Average total assets | $178,937,000 | 3,186 |
| Average earning assets | $166,636,000 | 3,167 |
| Average equity | $16,861,400 | 3,549 |
| Average total loans | $141,637,000 | 2,707 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 2,706 |
| Cost of funding earning assets | 0.6860% | 906 |
| Net interest margin | 3.4763% | 3,638 |
| Noninterest income to average assets | 0.6858% | 2,299 |
| Noninterest expense to average assets | 3.0071% | 2,499 |
| Loan and lease loss provision to assets | 0.1515% | 1,440 |
| Net operating income to assets | 0.7476% | 3,688 |
| Return on assets (ROA) | 0.7469% | 3,791 |
| Pretax return on assets | 0.7687% | 4,431 |
| Return on Equity (ROE) | 7.8786% | 3,146 |
| Retained earnings to average equity (ytd only) | 6.0898% | 2,190 |
| Net charge-offs to loans | 0.6948% | 307 |
| Credit loss provision to net charge-offs | 27.3842% | 3,299 |
| Earnings coverage of net charge-offs (x) | 1.6649% | 3,796 |
| Efficiency ratio | 76.5541% | 2,151 |
| Assets per employee ($millions) | 3.8953% | 4,093 |
| Cash dividends to net income (ytd only)* | 22.7042% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6764% | 5,779 |
| Loan loss allowance to noncurrent loans | 85.5160% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9326% | 2,528 |
| Noncurrent loans to loans | 0.7909% | 2,986 |
| Net loans and leases to total assets | 80.8049% | 717 |
| Net loans and leases to deposits | 95.3520% | 1,066 |
| Net loans and leases to core deposits | 100.1141% | 1,504 |
| Total domestic deposits to total assets | 84.7438% | 3,116 |
| Equity capital to assets | 9.6029% | 4,634 |
| Core capital (leverage) ratio | 9.6353% | 4,128 |
| Tier 1 risk-based capital ratio | 11.6252% | 5,310 |
| Total risk-based capital ratio | 12.2915% | 5,533 |
| Memoranda: | ||
| Average total assets | $176,911,500 | 3,236 |
| Average earning assets | $164,999,250 | 3,218 |
| Average equity | $16,770,750 | 3,591 |
| Average total loans | $140,850,750 | 2,732 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 2,868 |
| Cost of funding earning assets | 0.6698% | 998 |
| Net interest margin | 3.4378% | 3,759 |
| Noninterest income to average assets | 0.7142% | 2,158 |
| Noninterest expense to average assets | 2.9497% | 2,722 |
| Loan and lease loss provision to assets | 0.1431% | 1,526 |
| Net operating income to assets | 0.8197% | 3,286 |
| Return on assets (ROA) | 0.8197% | 3,388 |
| Pretax return on assets | 0.8322% | 4,200 |
| Return on Equity (ROE) | 8.6855% | 2,708 |
| Retained earnings to average equity (ytd only) | 5.9788% | 2,255 |
| Net charge-offs to loans | 0.2442% | 1,065 |
| Credit loss provision to net charge-offs | 74.1176% | 2,411 |
| Earnings coverage of net charge-offs (x) | 5.0529% | 2,962 |
| Efficiency ratio | 75.1519% | 2,520 |
| Assets per employee ($millions) | 3.9274% | 4,023 |
| Cash dividends to net income (ytd only)* | 31.1634% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 4,723 |
| Loan loss allowance to noncurrent loans | 45.0657% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 2.0879% | 1,039 |
| Noncurrent loans to loans | 2.2811% | 1,037 |
| Net loans and leases to total assets | 80.3538% | 763 |
| Net loans and leases to deposits | 94.1642% | 1,135 |
| Net loans and leases to core deposits | 100.1460% | 1,481 |
| Total domestic deposits to total assets | 85.3336% | 2,996 |
| Equity capital to assets | 9.4652% | 4,688 |
| Core capital (leverage) ratio | 9.6487% | 4,074 |
| Tier 1 risk-based capital ratio | 11.6783% | 5,351 |
| Total risk-based capital ratio | 12.6955% | 5,417 |
| Memoranda: | ||
| Average total assets | $176,153,330 | 3,267 |
| Average earning assets | $164,521,670 | 3,244 |
| Average equity | $16,625,330 | 3,621 |
| Average total loans | $139,208,670 | 2,758 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0523% | 3,035 |
| Cost of funding earning assets | 0.6640% | 1,027 |
| Net interest margin | 3.3883% | 3,891 |
| Noninterest income to average assets | 0.6550% | 2,382 |
| Noninterest expense to average assets | 2.9682% | 2,677 |
| Loan and lease loss provision to assets | 0.1160% | 1,779 |
| Net operating income to assets | 0.7347% | 3,621 |
| Return on assets (ROA) | 0.7347% | 3,752 |
| Pretax return on assets | 0.7278% | 4,512 |
| Return on Equity (ROE) | 7.7953% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.7953% | 1,645 |
| Net charge-offs to loans | -0.0029% | 4,389 |
| Credit loss provision to net charge-offs | -5,100.0000% | 5,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8640% | 2,202 |
| Assets per employee ($millions) | 3.9220% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 4,316 |
| Loan loss allowance to noncurrent loans | 58.2067% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 1.7621% | 1,397 |
| Noncurrent loans to loans | 1.9603% | 1,347 |
| Net loans and leases to total assets | 77.1218% | 1,041 |
| Net loans and leases to deposits | 89.2433% | 1,473 |
| Net loans and leases to core deposits | 95.5414% | 1,646 |
| Total domestic deposits to total assets | 86.4174% | 2,703 |
| Equity capital to assets | 9.5212% | 4,724 |
| Core capital (leverage) ratio | 9.5499% | 4,202 |
| Tier 1 risk-based capital ratio | 12.0161% | 5,223 |
| Total risk-based capital ratio | 13.1425% | 5,199 |
| Memoranda: | ||
| Average total assets | $175,864,500 | 3,292 |
| Average earning assets | $163,857,500 | 3,269 |
| Average equity | $16,574,000 | 3,656 |
| Average total loans | $137,070,500 | 2,788 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2466% | 2,791 |
| Cost of funding earning assets | 0.6716% | 1,261 |
| Net interest margin | 3.5751% | 3,495 |
| Noninterest income to average assets | 0.8913% | 1,532 |
| Noninterest expense to average assets | 3.0596% | 2,655 |
| Loan and lease loss provision to assets | 0.3977% | 447 |
| Net operating income to assets | 0.7207% | 3,789 |
| Return on assets (ROA) | 0.7665% | 3,638 |
| Pretax return on assets | 0.8057% | 4,237 |
| Return on Equity (ROE) | 8.0323% | 3,119 |
| Retained earnings to average equity (ytd only) | 2.3491% | 4,555 |
| Net charge-offs to loans | 0.1845% | 2,195 |
| Credit loss provision to net charge-offs | 275.0000% | 926 |
| Earnings coverage of net charge-offs (x) | 7.9875% | 2,939 |
| Efficiency ratio | 72.5908% | 3,104 |
| Assets per employee ($millions) | 3.8942% | 4,180 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 4,475 |
| Loan loss allowance to noncurrent loans | 54.6206% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 1.7719% | 1,481 |
| Noncurrent loans to loans | 2.0380% | 1,354 |
| Net loans and leases to total assets | 77.0027% | 1,130 |
| Net loans and leases to deposits | 88.4161% | 1,690 |
| Net loans and leases to core deposits | 95.3114% | 1,777 |
| Total domestic deposits to total assets | 87.0913% | 2,230 |
| Equity capital to assets | 9.3267% | 4,933 |
| Core capital (leverage) ratio | 9.5940% | 4,113 |
| Tier 1 risk-based capital ratio | 10.1440% | 6,218 |
| Total risk-based capital ratio | 11.0848% | 6,262 |
| Memoranda: | ||
| Average total assets | $165,938,800 | 3,397 |
| Average earning assets | $154,263,200 | 3,376 |
| Average equity | $15,836,000 | 3,697 |
| Average total loans | $130,052,400 | 2,867 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 2,678 |
| Cost of funding earning assets | 0.6749% | 1,293 |
| Net interest margin | 3.6144% | 3,370 |
| Noninterest income to average assets | 0.7114% | 2,274 |
| Noninterest expense to average assets | 3.0396% | 2,674 |
| Loan and lease loss provision to assets | 0.5215% | 284 |
| Net operating income to assets | 0.4994% | 4,875 |
| Return on assets (ROA) | 0.5492% | 4,756 |
| Pretax return on assets | 0.5664% | 5,139 |
| Return on Equity (ROE) | 5.7205% | 4,383 |
| Retained earnings to average equity (ytd only) | -1.0695% | 5,974 |
| Net charge-offs to loans | 0.2408% | 1,600 |
| Credit loss provision to net charge-offs | 275.8621% | 970 |
| Earnings coverage of net charge-offs (x) | 5.4827% | 3,253 |
| Efficiency ratio | 74.5702% | 2,723 |
| Assets per employee ($millions) | 3.8475% | 4,198 |
| Cash dividends to net income (ytd only)* | 118.6949% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 4,584 |
| Loan loss allowance to noncurrent loans | 260.7266% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 3,613 |
| Noncurrent loans to loans | 0.4352% | 4,595 |
| Net loans and leases to total assets | 79.3668% | 789 |
| Net loans and leases to deposits | 90.6346% | 1,364 |
| Net loans and leases to core deposits | 98.1749% | 1,513 |
| Total domestic deposits to total assets | 87.5678% | 2,001 |
| Equity capital to assets | 9.5363% | 4,747 |
| Core capital (leverage) ratio | 9.7695% | 3,973 |
| Tier 1 risk-based capital ratio | 9.9037% | 6,367 |
| Total risk-based capital ratio | 10.8401% | 6,396 |
| Memoranda: | ||
| Average total assets | $163,614,000 | 3,463 |
| Average earning assets | $152,311,000 | 3,427 |
| Average equity | $15,709,000 | 3,732 |
| Average total loans | $128,451,250 | 2,901 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 2,629 |
| Cost of funding earning assets | 0.6757% | 1,334 |
| Net interest margin | 3.6106% | 3,317 |
| Noninterest income to average assets | 0.6883% | 2,338 |
| Noninterest expense to average assets | 3.0024% | 2,820 |
| Loan and lease loss provision to assets | 0.3681% | 470 |
| Net operating income to assets | 0.6736% | 3,970 |
| Return on assets (ROA) | 0.7509% | 3,668 |
| Pretax return on assets | 0.7521% | 4,447 |
| Return on Equity (ROE) | 7.8030% | 3,203 |
| Retained earnings to average equity (ytd only) | -2.3970% | 6,039 |
| Net charge-offs to loans | 0.3339% | 1,221 |
| Credit loss provision to net charge-offs | 141.5094% | 1,515 |
| Earnings coverage of net charge-offs (x) | 4.0094% | 3,188 |
| Efficiency ratio | 74.2190% | 2,939 |
| Assets per employee ($millions) | 3.6816% | 4,484 |
| Cash dividends to net income (ytd only)* | 130.7190% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 5,635 |
| Loan loss allowance to noncurrent loans | 251.4831% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.9254% | 3,235 |
| Noncurrent loans to loans | 0.3693% | 4,884 |
| Net loans and leases to total assets | 78.1668% | 891 |
| Net loans and leases to deposits | 88.9470% | 1,484 |
| Net loans and leases to core deposits | 94.0757% | 1,767 |
| Total domestic deposits to total assets | 87.8803% | 1,977 |
| Equity capital to assets | 9.6912% | 4,501 |
| Core capital (leverage) ratio | 9.7730% | 3,930 |
| Tier 1 risk-based capital ratio | 10.0892% | 6,371 |
| Total risk-based capital ratio | 10.8435% | 6,463 |
| Memoranda: | ||
| Average total assets | $163,004,670 | 3,495 |
| Average earning assets | $151,552,000 | 3,455 |
| Average equity | $15,686,330 | 3,745 |
| Average total loans | $126,997,330 | 2,927 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2570% | 2,675 |
| Cost of funding earning assets | 0.6729% | 1,422 |
| Net interest margin | 3.5842% | 3,317 |
| Noninterest income to average assets | 0.6189% | 2,622 |
| Noninterest expense to average assets | 2.8891% | 3,257 |
| Loan and lease loss provision to assets | 0.3669% | 467 |
| Net operating income to assets | 0.7559% | 3,380 |
| Return on assets (ROA) | 0.7559% | 3,468 |
| Pretax return on assets | 0.7119% | 4,453 |
| Return on Equity (ROE) | 7.8827% | 2,984 |
| Retained earnings to average equity (ytd only) | 7.8827% | 1,640 |
| Net charge-offs to loans | 0.0980% | 2,187 |
| Credit loss provision to net charge-offs | 483.8710% | 560 |
| Earnings coverage of net charge-offs (x) | 14.2258% | 1,623 |
| Efficiency ratio | 72.8113% | 3,338 |
| Assets per employee ($millions) | 3.7077% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 5,691 |
| Loan loss allowance to noncurrent loans | 51.6759% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 1.7874% | 1,965 |
| Noncurrent loans to loans | 1.8443% | 2,079 |
| Net loans and leases to total assets | 77.5927% | 807 |
| Net loans and leases to deposits | 87.2788% | 1,440 |
| Net loans and leases to core deposits | 92.0718% | 1,724 |
| Total domestic deposits to total assets | 88.9021% | 1,722 |
| Equity capital to assets | 9.8057% | 4,102 |
| Core capital (leverage) ratio | 9.8472% | 3,790 |
| Tier 1 risk-based capital ratio | 10.4496% | 6,349 |
| Total risk-based capital ratio | 11.2270% | 6,455 |
| Memoranda: | ||
| Average total assets | $163,511,000 | 3,506 |
| Average earning assets | $152,782,500 | 3,463 |
| Average equity | $15,680,000 | 3,752 |
| Average total loans | $126,590,500 | 2,932 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 2,937 |
| Cost of funding earning assets | 0.6508% | 2,197 |
| Net interest margin | 3.6554% | 3,227 |
| Noninterest income to average assets | 0.8005% | 2,078 |
| Noninterest expense to average assets | 2.9978% | 3,063 |
| Loan and lease loss provision to assets | 0.0407% | 4,304 |
| Net operating income to assets | 1.1691% | 1,688 |
| Return on assets (ROA) | 1.1691% | 1,743 |
| Pretax return on assets | 1.2268% | 2,472 |
| Return on Equity (ROE) | 12.0986% | 1,385 |
| Retained earnings to average equity (ytd only) | 5.6114% | 2,209 |
| Net charge-offs to loans | 0.2325% | 2,594 |
| Credit loss provision to net charge-offs | 23.4657% | 4,381 |
| Earnings coverage of net charge-offs (x) | 7.2996% | 2,874 |
| Efficiency ratio | 70.2822% | 3,795 |
| Assets per employee ($millions) | 3.7246% | 4,424 |
| Cash dividends to net income (ytd only)* | 53.6193% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 5,991 |
| Loan loss allowance to noncurrent loans | 101.7593% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 3,715 |
| Noncurrent loans to loans | 0.8614% | 3,829 |
| Net loans and leases to total assets | 75.8346% | 1,098 |
| Net loans and leases to deposits | 84.2588% | 1,899 |
| Net loans and leases to core deposits | 88.7030% | 2,161 |
| Total domestic deposits to total assets | 90.0020% | 1,079 |
| Equity capital to assets | 9.3744% | 4,578 |
| Core capital (leverage) ratio | 9.9562% | 3,636 |
| Tier 1 risk-based capital ratio | 10.4896% | 6,369 |
| Total risk-based capital ratio | 11.2072% | 6,497 |
| Memoranda: | ||
| Average total assets | $159,518,600 | 3,568 |
| Average earning assets | $151,201,000 | 3,480 |
| Average equity | $15,415,000 | 3,795 |
| Average total loans | $119,164,600 | 3,057 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 3,056 |
| Cost of funding earning assets | 0.6557% | 2,314 |
| Net interest margin | 3.6304% | 3,318 |
| Noninterest income to average assets | 0.8458% | 1,955 |
| Noninterest expense to average assets | 2.8892% | 3,343 |
| Loan and lease loss provision to assets | 0.0126% | 4,748 |
| Net operating income to assets | 1.3373% | 1,251 |
| Return on assets (ROA) | 1.3373% | 1,299 |
| Pretax return on assets | 1.3970% | 1,935 |
| Return on Equity (ROE) | 13.7322% | 1,061 |
| Retained earnings to average equity (ytd only) | 5.0902% | 3,012 |
| Net charge-offs to loans | 0.0102% | 4,943 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | 186.1067% | 312 |
| Efficiency ratio | 67.2083% | 4,261 |
| Assets per employee ($millions) | 3.6324% | 4,593 |
| Cash dividends to net income (ytd only)* | 62.9328% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 5,431 |
| Loan loss allowance to noncurrent loans | 152.2543% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 4,827 |
| Noncurrent loans to loans | 0.7051% | 4,443 |
| Net loans and leases to total assets | 75.9343% | 1,014 |
| Net loans and leases to deposits | 84.6100% | 1,791 |
| Net loans and leases to core deposits | 88.0558% | 2,186 |
| Total domestic deposits to total assets | 89.7463% | 1,140 |
| Equity capital to assets | 9.5786% | 4,447 |
| Core capital (leverage) ratio | 10.0697% | 3,570 |
| Tier 1 risk-based capital ratio | 10.2142% | 6,534 |
| Total risk-based capital ratio | 11.0662% | 6,616 |
| Memoranda: | ||
| Average total assets | $158,427,500 | 3,617 |
| Average earning assets | $150,685,250 | 3,518 |
| Average equity | $15,428,000 | 3,841 |
| Average total loans | $117,611,000 | 3,107 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2396% | 3,188 |
| Cost of funding earning assets | 0.6712% | 2,300 |
| Net interest margin | 3.5684% | 3,487 |
| Noninterest income to average assets | 0.8876% | 1,860 |
| Noninterest expense to average assets | 2.8994% | 3,336 |
| Loan and lease loss provision to assets | 0.0190% | 4,514 |
| Net operating income to assets | 1.3130% | 1,292 |
| Return on assets (ROA) | 1.3130% | 1,375 |
| Pretax return on assets | 1.3750% | 2,019 |
| Return on Equity (ROE) | 13.4086% | 1,139 |
| Retained earnings to average equity (ytd only) | 0.4784% | 5,708 |
| Net charge-offs to loans | 0.0483% | 4,003 |
| Credit loss provision to net charge-offs | 53.5714% | 3,145 |
| Earnings coverage of net charge-offs (x) | 39.3214% | 940 |
| Efficiency ratio | 67.5317% | 4,259 |
| Assets per employee ($millions) | 3.3652% | 5,141 |
| Cash dividends to net income (ytd only)* | 96.4320% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 5,479 |
| Loan loss allowance to noncurrent loans | 128.7698% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 4,558 |
| Noncurrent loans to loans | 0.8475% | 4,227 |
| Net loans and leases to total assets | 77.6864% | 783 |
| Net loans and leases to deposits | 86.9606% | 1,463 |
| Net loans and leases to core deposits | 91.0591% | 1,804 |
| Total domestic deposits to total assets | 89.3351% | 1,421 |
| Equity capital to assets | 9.7853% | 4,198 |
| Core capital (leverage) ratio | 9.7564% | 3,859 |
| Tier 1 risk-based capital ratio | 10.2280% | 6,581 |
| Total risk-based capital ratio | 11.0993% | 6,649 |
| Memoranda: | ||
| Average total assets | $157,961,670 | 3,651 |
| Average earning assets | $150,769,670 | 3,537 |
| Average equity | $15,467,670 | 3,864 |
| Average total loans | $115,921,670 | 3,149 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 3,725 |
| Cost of funding earning assets | 0.6999% | 2,208 |
| Net interest margin | 3.4008% | 4,113 |
| Noninterest income to average assets | 0.8237% | 2,028 |
| Noninterest expense to average assets | 2.6894% | 4,109 |
| Loan and lease loss provision to assets | 0.0372% | 3,969 |
| Net operating income to assets | 1.2752% | 1,342 |
| Return on assets (ROA) | 1.2752% | 1,442 |
| Pretax return on assets | 1.3397% | 2,074 |
| Return on Equity (ROE) | 13.0188% | 1,163 |
| Retained earnings to average equity (ytd only) | 13.0188% | 558 |
| Net charge-offs to loans | 0.1014% | 2,843 |
| Credit loss provision to net charge-offs | 51.7241% | 2,577 |
| Earnings coverage of net charge-offs (x) | 19.1379% | 1,236 |
| Efficiency ratio | 66.1379% | 4,642 |
| Assets per employee ($millions) | 3.8460% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 5,495 |
| Loan loss allowance to noncurrent loans | 142.5275% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 4,981 |
| Noncurrent loans to loans | 0.7915% | 4,539 |
| Net loans and leases to total assets | 70.3683% | 1,602 |
| Net loans and leases to deposits | 78.8272% | 2,238 |
| Net loans and leases to core deposits | 83.5401% | 2,381 |
| Total domestic deposits to total assets | 89.2691% | 1,508 |
| Equity capital to assets | 9.9008% | 4,274 |
| Core capital (leverage) ratio | 10.0035% | 3,376 |
| Tier 1 risk-based capital ratio | 10.7429% | 6,505 |
| Total risk-based capital ratio | 11.6295% | 6,598 |
| Memoranda: | ||
| Average total assets | $161,226,500 | 3,623 |
| Average earning assets | $153,727,500 | 3,530 |
| Average equity | $15,792,500 | 3,847 |
| Average total loans | $114,412,500 | 3,195 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8200% | 2,119 |
| Cost of funding earning assets | 0.8099% | 2,590 |
| Net interest margin | 4.0100% | 2,357 |
| Noninterest income to average assets | 1.1807% | 1,129 |
| Noninterest expense to average assets | 3.0158% | 3,217 |
| Loan and lease loss provision to assets | 0.3125% | 2,189 |
| Net operating income to assets | 1.5938% | 765 |
| Return on assets (ROA) | 1.6235% | 803 |
| Pretax return on assets | 1.6893% | 1,160 |
| Return on Equity (ROE) | 16.1627% | 639 |
| Retained earnings to average equity (ytd only) | 8.4025% | 1,002 |
| Net charge-offs to loans | 0.2645% | 3,354 |
| Credit loss provision to net charge-offs | 152.4590% | 1,783 |
| Earnings coverage of net charge-offs (x) | 9.6164% | 2,249 |
| Efficiency ratio | 60.4770% | 5,471 |
| Assets per employee ($millions) | 3.9249% | 4,089 |
| Cash dividends to net income (ytd only)* | 48.0132% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 5,341 |
| Loan loss allowance to noncurrent loans | 130.0595% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 4,791 |
| Noncurrent loans to loans | 0.8853% | 4,406 |
| Net loans and leases to total assets | 69.9410% | 1,851 |
| Net loans and leases to deposits | 78.1677% | 2,504 |
| Net loans and leases to core deposits | 83.5193% | 2,602 |
| Total domestic deposits to total assets | 89.4755% | 1,262 |
| Equity capital to assets | 9.6893% | 4,607 |
| Core capital (leverage) ratio | 9.9649% | 3,444 |
| Tier 1 risk-based capital ratio | 10.7134% | 6,466 |
| Total risk-based capital ratio | 11.6375% | 6,560 |
| Memoranda: | ||
| Average total assets | $148,816,200 | 3,800 |
| Average earning assets | $141,245,200 | 3,703 |
| Average equity | $14,948,000 | 3,976 |
| Average total loans | $115,317,000 | 3,179 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 1,848 |
| Cost of funding earning assets | 0.8451% | 2,584 |
| Net interest margin | 4.0991% | 2,090 |
| Noninterest income to average assets | 1.1240% | 1,190 |
| Noninterest expense to average assets | 2.8561% | 3,767 |
| Loan and lease loss provision to assets | 0.3338% | 1,959 |
| Net operating income to assets | 1.7653% | 618 |
| Return on assets (ROA) | 1.8025% | 635 |
| Pretax return on assets | 1.8629% | 936 |
| Return on Equity (ROE) | 17.7719% | 529 |
| Retained earnings to average equity (ytd only) | 7.3126% | 1,935 |
| Net charge-offs to loans | 0.0196% | 5,396 |
| Credit loss provision to net charge-offs | 2,147.0588% | 126 |
| Earnings coverage of net charge-offs (x) | 138.7997% | 321 |
| Efficiency ratio | 56.9579% | 5,923 |
| Assets per employee ($millions) | 3.7143% | 4,505 |
| Cash dividends to net income (ytd only)* | 58.8535% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 4,963 |
| Loan loss allowance to noncurrent loans | 87.8149% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.1651% | 3,954 |
| Noncurrent loans to loans | 1.4428% | 3,644 |
| Net loans and leases to total assets | 78.6257% | 662 |
| Net loans and leases to deposits | 88.5043% | 1,295 |
| Net loans and leases to core deposits | 95.3047% | 1,459 |
| Total domestic deposits to total assets | 88.8383% | 1,519 |
| Equity capital to assets | 10.2315% | 4,159 |
| Core capital (leverage) ratio | 10.1929% | 3,293 |
| Tier 1 risk-based capital ratio | 10.0896% | 6,777 |
| Total risk-based capital ratio | 11.1147% | 6,814 |
| Memoranda: | ||
| Average total assets | $145,790,250 | 3,884 |
| Average earning assets | $138,369,000 | 3,784 |
| Average equity | $14,787,000 | 4,048 |
| Average total loans | $115,681,250 | 3,210 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9886% | 1,814 |
| Cost of funding earning assets | 0.8795% | 2,564 |
| Net interest margin | 4.1091% | 2,052 |
| Noninterest income to average assets | 0.9968% | 1,475 |
| Noninterest expense to average assets | 2.8551% | 3,803 |
| Loan and lease loss provision to assets | 0.3728% | 1,758 |
| Net operating income to assets | 1.6248% | 799 |
| Return on assets (ROA) | 1.6816% | 783 |
| Pretax return on assets | 1.7230% | 1,201 |
| Return on Equity (ROE) | 16.6291% | 689 |
| Retained earnings to average equity (ytd only) | 7.6183% | 1,802 |
| Net charge-offs to loans | 0.0261% | 5,020 |
| Credit loss provision to net charge-offs | 1,800.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 98.4000% | 434 |
| Efficiency ratio | 58.3521% | 5,825 |
| Assets per employee ($millions) | 3.5221% | 4,939 |
| Cash dividends to net income (ytd only)* | 54.1872% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 5,258 |
| Loan loss allowance to noncurrent loans | 114.5884% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 4,644 |
| Noncurrent loans to loans | 1.0660% | 4,385 |
| Net loans and leases to total assets | 78.7308% | 650 |
| Net loans and leases to deposits | 88.6792% | 1,296 |
| Net loans and leases to core deposits | 93.8122% | 1,623 |
| Total domestic deposits to total assets | 88.7816% | 1,655 |
| Equity capital to assets | 10.2835% | 3,961 |
| Core capital (leverage) ratio | 10.0207% | 3,399 |
| Tier 1 risk-based capital ratio | 10.0995% | 6,801 |
| Total risk-based capital ratio | 11.0787% | 6,861 |
| Memoranda: | ||
| Average total assets | $144,863,330 | 3,924 |
| Average earning assets | $137,352,330 | 3,824 |
| Average equity | $14,649,000 | 4,061 |
| Average total loans | $114,803,670 | 3,239 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0081% | 1,856 |
| Cost of funding earning assets | 0.9312% | 2,434 |
| Net interest margin | 4.0769% | 2,188 |
| Noninterest income to average assets | 0.8877% | 1,803 |
| Noninterest expense to average assets | 2.7514% | 4,238 |
| Loan and lease loss provision to assets | 0.4135% | 1,524 |
| Net operating income to assets | 1.5990% | 864 |
| Return on assets (ROA) | 1.7148% | 780 |
| Pretax return on assets | 1.7010% | 1,297 |
| Return on Equity (ROE) | 17.1014% | 654 |
| Retained earnings to average equity (ytd only) | 16.6890% | 323 |
| Net charge-offs to loans | 0.1465% | 3,219 |
| Credit loss provision to net charge-offs | 357.1429% | 861 |
| Earnings coverage of net charge-offs (x) | 17.2619% | 1,313 |
| Efficiency ratio | 57.9222% | 5,926 |
| Assets per employee ($millions) | 3.7581% | 4,518 |
| Cash dividends to net income (ytd only)* | 2.4116% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 5,934 |
| Loan loss allowance to noncurrent loans | 262.8392% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 5,935 |
| Noncurrent loans to loans | 0.4145% | 5,844 |
| Net loans and leases to total assets | 77.9866% | 589 |
| Net loans and leases to deposits | 87.6293% | 1,216 |
| Net loans and leases to core deposits | 92.0735% | 1,642 |
| Total domestic deposits to total assets | 88.9960% | 1,695 |
| Equity capital to assets | 10.0993% | 4,006 |
| Core capital (leverage) ratio | 10.0908% | 3,255 |
| Tier 1 risk-based capital ratio | 10.1777% | 6,838 |
| Total risk-based capital ratio | 11.0583% | 6,917 |
| Memoranda: | ||
| Average total assets | $145,092,000 | 3,954 |
| Average earning assets | $137,457,500 | 3,857 |
| Average equity | $14,548,500 | 4,083 |
| Average total loans | $114,656,500 | 3,261 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2453% | 1,891 |
| Cost of funding earning assets | 1.1573% | 2,300 |
| Net interest margin | 4.0881% | 2,481 |
| Noninterest income to average assets | 0.8404% | 1,881 |
| Noninterest expense to average assets | 3.0113% | 3,552 |
| Loan and lease loss provision to assets | 0.4162% | 2,507 |
| Net operating income to assets | 1.2090% | 1,490 |
| Return on assets (ROA) | 1.2208% | 1,564 |
| Pretax return on assets | 1.2760% | 2,216 |
| Return on Equity (ROE) | 12.6095% | 1,257 |
| Retained earnings to average equity (ytd only) | 7.6057% | 1,224 |
| Net charge-offs to loans | 0.2064% | 4,509 |
| Credit loss provision to net charge-offs | 255.5066% | 941 |
| Earnings coverage of net charge-offs (x) | 10.3128% | 1,857 |
| Efficiency ratio | 64.1885% | 5,096 |
| Assets per employee ($millions) | 3.5029% | 5,004 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,159 |
| Loan loss allowance to noncurrent loans | 113.1760% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.7248% | 5,191 |
| Noncurrent loans to loans | 0.8940% | 4,898 |
| Net loans and leases to total assets | 78.4033% | 663 |
| Net loans and leases to deposits | 87.9614% | 1,382 |
| Net loans and leases to core deposits | 92.5014% | 1,838 |
| Total domestic deposits to total assets | 89.1337% | 1,456 |
| Equity capital to assets | 9.9534% | 4,221 |
| Core capital (leverage) ratio | 9.7735% | 3,644 |
| Tier 1 risk-based capital ratio | 9.8267% | 6,890 |
| Total risk-based capital ratio | 10.6378% | 6,975 |
| Memoranda: | ||
| Average total assets | $139,339,800 | 3,987 |
| Average earning assets | $131,259,200 | 3,906 |
| Average equity | $13,489,800 | 4,241 |
| Average total loans | $109,964,000 | 3,387 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2584% | 1,996 |
| Cost of funding earning assets | 1.1950% | 2,348 |
| Net interest margin | 4.0635% | 2,629 |
| Noninterest income to average assets | 0.7676% | 2,212 |
| Noninterest expense to average assets | 2.9410% | 3,772 |
| Loan and lease loss provision to assets | 0.4243% | 2,347 |
| Net operating income to assets | 1.1909% | 1,678 |
| Return on assets (ROA) | 1.1909% | 1,795 |
| Pretax return on assets | 1.2256% | 2,538 |
| Return on Equity (ROE) | 12.3914% | 1,440 |
| Retained earnings to average equity (ytd only) | 5.6188% | 2,784 |
| Net charge-offs to loans | -0.0024% | 6,673 |
| Credit loss provision to net charge-offs | -22,000.0000% | 6,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0622% | 5,057 |
| Assets per employee ($millions) | 3.5172% | 4,945 |
| Cash dividends to net income (ytd only)* | 54.6559% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 5,847 |
| Loan loss allowance to noncurrent loans | 147.4435% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 5,591 |
| Noncurrent loans to loans | 0.7530% | 5,369 |
| Net loans and leases to total assets | 78.5044% | 660 |
| Net loans and leases to deposits | 88.3696% | 1,386 |
| Net loans and leases to core deposits | 93.1162% | 1,874 |
| Total domestic deposits to total assets | 88.8364% | 1,525 |
| Equity capital to assets | 9.8494% | 4,551 |
| Core capital (leverage) ratio | 9.8440% | 3,657 |
| Tier 1 risk-based capital ratio | 9.6334% | 7,033 |
| Total risk-based capital ratio | 10.5197% | 7,081 |
| Memoranda: | ||
| Average total assets | $138,270,000 | 4,033 |
| Average earning assets | $130,099,500 | 3,953 |
| Average equity | $13,288,500 | 4,290 |
| Average total loans | $109,016,750 | 3,435 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2382% | 2,105 |
| Cost of funding earning assets | 1.2202% | 2,439 |
| Net interest margin | 4.0180% | 2,758 |
| Noninterest income to average assets | 0.7478% | 2,268 |
| Noninterest expense to average assets | 2.9724% | 3,746 |
| Loan and lease loss provision to assets | 0.6111% | 1,567 |
| Net operating income to assets | 0.9456% | 2,454 |
| Return on assets (ROA) | 0.9384% | 2,581 |
| Pretax return on assets | 0.9515% | 3,425 |
| Return on Equity (ROE) | 9.8481% | 2,172 |
| Retained earnings to average equity (ytd only) | -0.4581% | 5,948 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4388% | 4,978 |
| Assets per employee ($millions) | 3.3451% | 5,333 |
| Cash dividends to net income (ytd only)* | 104.6512% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 5,921 |
| Loan loss allowance to noncurrent loans | 173.0114% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 5,799 |
| Noncurrent loans to loans | 0.6412% | 5,641 |
| Net loans and leases to total assets | 79.1628% | 627 |
| Net loans and leases to deposits | 88.5672% | 1,418 |
| Net loans and leases to core deposits | 93.1332% | 2,002 |
| Total domestic deposits to total assets | 89.3816% | 1,311 |
| Equity capital to assets | 9.6085% | 4,649 |
| Core capital (leverage) ratio | 9.3237% | 4,217 |
| Tier 1 risk-based capital ratio | 9.4894% | 7,106 |
| Total risk-based capital ratio | 10.3862% | 7,162 |
| Memoranda: | ||
| Average total assets | $137,463,670 | 4,072 |
| Average earning assets | $129,816,000 | 3,990 |
| Average equity | $13,099,000 | 4,318 |
| Average total loans | $108,126,670 | 3,502 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1031% | 2,633 |
| Cost of funding earning assets | 1.2335% | 2,608 |
| Net interest margin | 3.8696% | 3,301 |
| Noninterest income to average assets | 0.7121% | 2,505 |
| Noninterest expense to average assets | 2.9676% | 3,778 |
| Loan and lease loss provision to assets | 0.8720% | 934 |
| Net operating income to assets | 0.5171% | 4,421 |
| Return on assets (ROA) | 0.5028% | 4,562 |
| Pretax return on assets | 0.5145% | 4,980 |
| Return on Equity (ROE) | 5.2988% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.2988% | 3,010 |
| Net charge-offs to loans | 0.0149% | 4,876 |
| Credit loss provision to net charge-offs | 7,500.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 120.5000% | 270 |
| Efficiency ratio | 67.9308% | 4,668 |
| Assets per employee ($millions) | 3.3479% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 6,321 |
| Loan loss allowance to noncurrent loans | 145.6724% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 5,700 |
| Noncurrent loans to loans | 0.6987% | 5,621 |
| Net loans and leases to total assets | 77.5068% | 803 |
| Net loans and leases to deposits | 86.6904% | 1,623 |
| Net loans and leases to core deposits | 90.7160% | 2,274 |
| Total domestic deposits to total assets | 89.4065% | 1,530 |
| Equity capital to assets | 9.6027% | 4,310 |
| Core capital (leverage) ratio | 9.4701% | 3,860 |
| Tier 1 risk-based capital ratio | 9.6470% | 7,111 |
| Total risk-based capital ratio | 10.4532% | 7,201 |
| Memoranda: | ||
| Average total assets | $137,621,000 | 4,107 |
| Average earning assets | $130,038,000 | 4,029 |
| Average equity | $13,059,500 | 4,326 |
| Average total loans | $107,295,500 | 3,552 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5487% | 2,088 |
| Cost of funding earning assets | 1.5370% | 2,425 |
| Net interest margin | 4.0117% | 2,970 |
| Noninterest income to average assets | 1.0048% | 1,489 |
| Noninterest expense to average assets | 3.0757% | 3,565 |
| Loan and lease loss provision to assets | 0.4158% | 3,613 |
| Net operating income to assets | 1.2093% | 1,392 |
| Return on assets (ROA) | 1.2093% | 1,470 |
| Pretax return on assets | 1.2857% | 1,967 |
| Return on Equity (ROE) | 12.9379% | 1,102 |
| Retained earnings to average equity (ytd only) | 6.7255% | 1,444 |
| Net charge-offs to loans | 0.6269% | 3,144 |
| Credit loss provision to net charge-offs | 83.9637% | 5,388 |
| Earnings coverage of net charge-offs (x) | 3.4357% | 3,355 |
| Efficiency ratio | 64.3821% | 5,284 |
| Assets per employee ($millions) | 3.2852% | 5,467 |
| Cash dividends to net income (ytd only)* | 48.0173% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7450% | 7,060 |
| Loan loss allowance to noncurrent loans | 86.2703% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 5,506 |
| Noncurrent loans to loans | 0.8636% | 5,336 |
| Net loans and leases to total assets | 77.0485% | 1,087 |
| Net loans and leases to deposits | 86.9853% | 1,939 |
| Net loans and leases to core deposits | 91.2885% | 2,576 |
| Total domestic deposits to total assets | 88.5764% | 1,906 |
| Equity capital to assets | 9.3769% | 4,573 |
| Core capital (leverage) ratio | 9.5470% | 3,651 |
| Tier 1 risk-based capital ratio | 9.5109% | 7,134 |
| Total risk-based capital ratio | 10.0984% | 7,278 |
| Memoranda: | ||
| Average total assets | $133,465,200 | 4,192 |
| Average earning assets | $125,506,400 | 4,116 |
| Average equity | $12,475,000 | 4,486 |
| Average total loans | $105,441,800 | 3,642 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5794% | 2,143 |
| Cost of funding earning assets | 1.6295% | 2,220 |
| Net interest margin | 3.9499% | 3,323 |
| Noninterest income to average assets | 0.9138% | 1,746 |
| Noninterest expense to average assets | 3.0276% | 3,652 |
| Loan and lease loss provision to assets | 0.2821% | 4,325 |
| Net operating income to assets | 1.2483% | 1,469 |
| Return on assets (ROA) | 1.2483% | 1,551 |
| Pretax return on assets | 1.3138% | 2,128 |
| Return on Equity (ROE) | 13.3662% | 1,168 |
| Retained earnings to average equity (ytd only) | 5.0056% | 2,986 |
| Net charge-offs to loans | 0.0241% | 6,338 |
| Credit loss provision to net charge-offs | 1,473.6842% | 208 |
| Earnings coverage of net charge-offs (x) | 83.3774% | 368 |
| Efficiency ratio | 65.4827% | 4,963 |
| Assets per employee ($millions) | 3.2140% | 5,646 |
| Cash dividends to net income (ytd only)* | 62.5505% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 6,070 |
| Loan loss allowance to noncurrent loans | 588.3838% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 6,782 |
| Noncurrent loans to loans | 0.1819% | 6,822 |
| Net loans and leases to total assets | 81.7217% | 527 |
| Net loans and leases to deposits | 92.9106% | 1,341 |
| Net loans and leases to core deposits | 98.0292% | 2,040 |
| Total domestic deposits to total assets | 87.9574% | 1,988 |
| Equity capital to assets | 9.7250% | 4,509 |
| Core capital (leverage) ratio | 9.4529% | 3,980 |
| Tier 1 risk-based capital ratio | 9.4277% | 7,267 |
| Total risk-based capital ratio | 10.3035% | 7,369 |
| Memoranda: | ||
| Average total assets | $132,337,000 | 4,271 |
| Average earning assets | $124,286,500 | 4,198 |
| Average equity | $12,359,250 | 4,584 |
| Average total loans | $105,025,250 | 3,705 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5065% | 2,486 |
| Cost of funding earning assets | 1.7224% | 2,003 |
| Net interest margin | 3.7841% | 3,963 |
| Noninterest income to average assets | 0.7259% | 2,545 |
| Noninterest expense to average assets | 2.9489% | 3,895 |
| Loan and lease loss provision to assets | 0.2716% | 4,217 |
| Net operating income to assets | 1.0036% | 2,186 |
| Return on assets (ROA) | 1.0036% | 2,266 |
| Pretax return on assets | 1.0564% | 2,912 |
| Return on Equity (ROE) | 10.8951% | 1,785 |
| Retained earnings to average equity (ytd only) | 4.3417% | 3,311 |
| Net charge-offs to loans | -0.0019% | 7,070 |
| Credit loss provision to net charge-offs | -18,000.0000% | 7,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9485% | 4,391 |
| Assets per employee ($millions) | 3.2139% | 5,650 |
| Cash dividends to net income (ytd only)* | 60.1504% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 6,327 |
| Loan loss allowance to noncurrent loans | 278.9203% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 6,598 |
| Noncurrent loans to loans | 0.3647% | 6,505 |
| Net loans and leases to total assets | 80.1328% | 773 |
| Net loans and leases to deposits | 91.9262% | 1,544 |
| Net loans and leases to core deposits | 96.5368% | 2,389 |
| Total domestic deposits to total assets | 87.1708% | 2,445 |
| Equity capital to assets | 9.5333% | 4,657 |
| Core capital (leverage) ratio | 9.3451% | 4,050 |
| Tier 1 risk-based capital ratio | 9.6138% | 7,217 |
| Total risk-based capital ratio | 10.4588% | 7,367 |
| Memoranda: | ||
| Average total assets | $132,524,670 | 4,288 |
| Average earning assets | $124,362,330 | 4,220 |
| Average equity | $12,207,330 | 4,625 |
| Average total loans | $103,749,330 | 3,775 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3686% | 3,197 |
| Cost of funding earning assets | 1.8420% | 1,687 |
| Net interest margin | 3.5266% | 5,049 |
| Noninterest income to average assets | 0.6110% | 3,202 |
| Noninterest expense to average assets | 2.8954% | 4,078 |
| Loan and lease loss provision to assets | 0.2257% | 4,236 |
| Net operating income to assets | 0.7494% | 3,216 |
| Return on assets (ROA) | 0.7494% | 3,320 |
| Pretax return on assets | 0.7916% | 3,901 |
| Return on Equity (ROE) | 8.2793% | 2,745 |
| Retained earnings to average equity (ytd only) | -3.1255% | 6,376 |
| Net charge-offs to loans | -0.0117% | 6,929 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0000% | 3,577 |
| Assets per employee ($millions) | 3.3737% | 5,360 |
| Cash dividends to net income (ytd only)* | 137.7510% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 6,700 |
| Loan loss allowance to noncurrent loans | 818.3333% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 7,162 |
| Noncurrent loans to loans | 0.1152% | 7,118 |
| Net loans and leases to total assets | 78.4524% | 1,072 |
| Net loans and leases to deposits | 89.6827% | 1,951 |
| Net loans and leases to core deposits | 94.4548% | 2,775 |
| Total domestic deposits to total assets | 87.4778% | 2,367 |
| Equity capital to assets | 9.2336% | 4,943 |
| Core capital (leverage) ratio | 9.1184% | 4,342 |
| Tier 1 risk-based capital ratio | 9.4579% | 7,325 |
| Total risk-based capital ratio | 10.2328% | 7,494 |
| Memoranda: | ||
| Average total assets | $132,902,000 | 4,342 |
| Average earning assets | $124,427,000 | 4,271 |
| Average equity | $12,030,000 | 4,711 |
| Average total loans | $102,286,000 | 3,877 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6631% | 3,286 |
| Cost of funding earning assets | 2.2624% | 1,792 |
| Net interest margin | 3.4007% | 5,360 |
| Noninterest income to average assets | 0.7941% | 2,432 |
| Noninterest expense to average assets | 3.0029% | 4,129 |
| Loan and lease loss provision to assets | 0.2169% | 5,623 |
| Net operating income to assets | 0.7225% | 2,846 |
| Return on assets (ROA) | 0.7633% | 2,760 |
| Pretax return on assets | 0.7972% | 3,249 |
| Return on Equity (ROE) | 8.7791% | 2,096 |
| Retained earnings to average equity (ytd only) | 6.0583% | 1,327 |
| Net charge-offs to loans | 0.2565% | 5,018 |
| Credit loss provision to net charge-offs | 108.2677% | 5,113 |
| Earnings coverage of net charge-offs (x) | 4.8504% | 2,784 |
| Efficiency ratio | 75.5556% | 3,603 |
| Assets per employee ($millions) | 3.6278% | 4,705 |
| Cash dividends to net income (ytd only)* | 30.9917% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 6,805 |
| Loan loss allowance to noncurrent loans | 286.0759% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 6,694 |
| Noncurrent loans to loans | 0.3148% | 6,651 |
| Net loans and leases to total assets | 74.0989% | 2,253 |
| Net loans and leases to deposits | 83.5859% | 3,348 |
| Net loans and leases to core deposits | 98.9337% | 4,124 |
| Total domestic deposits to total assets | 88.6501% | 1,656 |
| Equity capital to assets | 8.8736% | 5,317 |
| Core capital (leverage) ratio | 9.0501% | 4,344 |
| Tier 1 risk-based capital ratio | 9.5251% | 7,205 |
| Total risk-based capital ratio | 10.2530% | 7,489 |
| Memoranda: | ||
| Average total assets | $126,812,400 | 4,408 |
| Average earning assets | $118,593,000 | 4,335 |
| Average equity | $11,026,200 | 5,015 |
| Average total loans | $99,010,800 | 3,981 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7427% | 3,126 |
| Cost of funding earning assets | 2.3334% | 1,865 |
| Net interest margin | 3.4093% | 5,222 |
| Noninterest income to average assets | 0.8984% | 1,986 |
| Noninterest expense to average assets | 3.0164% | 3,979 |
| Loan and lease loss provision to assets | 0.2934% | 4,625 |
| Net operating income to assets | 0.7385% | 3,067 |
| Return on assets (ROA) | 0.7821% | 2,947 |
| Pretax return on assets | 0.8227% | 3,464 |
| Return on Equity (ROE) | 9.0450% | 2,245 |
| Retained earnings to average equity (ytd only) | 5.3431% | 2,286 |
| Net charge-offs to loans | 0.3135% | 4,079 |
| Credit loss provision to net charge-offs | 118.5345% | 4,278 |
| Earnings coverage of net charge-offs (x) | 4.3232% | 3,177 |
| Efficiency ratio | 73.8120% | 3,893 |
| Assets per employee ($millions) | 3.4408% | 5,074 |
| Cash dividends to net income (ytd only)* | 40.9276% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 6,677 |
| Loan loss allowance to noncurrent loans | 199.5690% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 6,347 |
| Noncurrent loans to loans | 0.4605% | 6,397 |
| Net loans and leases to total assets | 80.5977% | 1,066 |
| Net loans and leases to deposits | 92.0451% | 2,222 |
| Net loans and leases to core deposits | 109.5885% | 3,280 |
| Total domestic deposits to total assets | 87.5633% | 1,856 |
| Equity capital to assets | 9.2809% | 5,064 |
| Core capital (leverage) ratio | 9.1320% | 4,444 |
| Tier 1 risk-based capital ratio | 9.3577% | 7,458 |
| Total risk-based capital ratio | 10.1221% | 7,686 |
| Memoranda: | ||
| Average total assets | $124,958,000 | 4,477 |
| Average earning assets | $116,852,500 | 4,414 |
| Average equity | $10,805,000 | 5,112 |
| Average total loans | $98,671,750 | 4,025 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6668% | 3,731 |
| Cost of funding earning assets | 2.3717% | 2,073 |
| Net interest margin | 3.2951% | 5,576 |
| Noninterest income to average assets | 0.9496% | 1,761 |
| Noninterest expense to average assets | 3.0609% | 3,837 |
| Loan and lease loss provision to assets | 0.2154% | 4,890 |
| Net operating income to assets | 0.7213% | 3,163 |
| Return on assets (ROA) | 0.7213% | 3,269 |
| Pretax return on assets | 0.7596% | 3,804 |
| Return on Equity (ROE) | 8.5487% | 2,543 |
| Retained earnings to average equity (ytd only) | 2.8748% | 3,728 |
| Net charge-offs to loans | 0.3348% | 3,499 |
| Credit loss provision to net charge-offs | 82.3171% | 5,132 |
| Earnings coverage of net charge-offs (x) | 3.7256% | 3,326 |
| Efficiency ratio | 75.8403% | 3,719 |
| Assets per employee ($millions) | 3.2943% | 5,340 |
| Cash dividends to net income (ytd only)* | 66.3717% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8729% | 6,890 |
| Loan loss allowance to noncurrent loans | 297.5610% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 6,779 |
| Noncurrent loans to loans | 0.2933% | 6,782 |
| Net loans and leases to total assets | 77.4725% | 1,867 |
| Net loans and leases to deposits | 87.6993% | 3,220 |
| Net loans and leases to core deposits | 105.5332% | 3,890 |
| Total domestic deposits to total assets | 88.3389% | 1,603 |
| Equity capital to assets | 8.8685% | 5,497 |
| Core capital (leverage) ratio | 8.7631% | 4,987 |
| Tier 1 risk-based capital ratio | 9.4038% | 7,471 |
| Total risk-based capital ratio | 10.1297% | 7,793 |
| Memoranda: | ||
| Average total assets | $125,321,670 | 4,499 |
| Average earning assets | $117,386,000 | 4,434 |
| Average equity | $10,574,670 | 5,193 |
| Average total loans | $97,975,670 | 4,063 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6371% | 4,123 |
| Cost of funding earning assets | 2.4203% | 2,206 |
| Net interest margin | 3.2168% | 5,805 |
| Noninterest income to average assets | 0.8773% | 1,943 |
| Noninterest expense to average assets | 3.0210% | 3,668 |
| Loan and lease loss provision to assets | 0.1436% | 5,107 |
| Net operating income to assets | 0.6795% | 3,665 |
| Return on assets (ROA) | 0.6795% | 3,849 |
| Pretax return on assets | 0.7146% | 4,384 |
| Return on Equity (ROE) | 8.2630% | 3,031 |
| Retained earnings to average equity (ytd only) | -3.3750% | 6,342 |
| Net charge-offs to loans | 0.0286% | 5,128 |
| Credit loss provision to net charge-offs | 642.8571% | 893 |
| Earnings coverage of net charge-offs (x) | 38.4286% | 883 |
| Efficiency ratio | 77.8783% | 3,185 |
| Assets per employee ($millions) | 3.3281% | 5,258 |
| Cash dividends to net income (ytd only)* | 140.8451% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 6,524 |
| Loan loss allowance to noncurrent loans | 175.7634% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.6112% | 5,660 |
| Noncurrent loans to loans | 0.5380% | 6,065 |
| Net loans and leases to total assets | 76.2792% | 2,213 |
| Net loans and leases to deposits | 86.0238% | 3,627 |
| Net loans and leases to core deposits | 101.7563% | 4,373 |
| Total domestic deposits to total assets | 88.6721% | 1,393 |
| Equity capital to assets | 8.1357% | 6,617 |
| Core capital (leverage) ratio | 8.3492% | 5,813 |
| Tier 1 risk-based capital ratio | 9.2056% | 7,671 |
| Total risk-based capital ratio | 10.0268% | 7,946 |
| Memoranda: | ||
| Average total assets | $125,390,000 | 4,513 |
| Average earning assets | $117,010,500 | 4,458 |
| Average equity | $10,311,000 | 5,292 |
| Average total loans | $98,044,500 | 4,087 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4335% | 3,262 |
| Cost of funding earning assets | 2.8958% | 2,280 |
| Net interest margin | 3.5377% | 5,158 |
| Noninterest income to average assets | 0.8117% | 2,448 |
| Noninterest expense to average assets | 3.1130% | 3,644 |
| Loan and lease loss provision to assets | 0.1554% | 5,372 |
| Net operating income to assets | 0.7683% | 3,576 |
| Return on assets (ROA) | 0.7683% | 3,421 |
| Pretax return on assets | 0.8065% | 4,041 |
| Return on Equity (ROE) | 9.0043% | 2,641 |
| Retained earnings to average equity (ytd only) | 6.1555% | 1,465 |
| Net charge-offs to loans | 0.0876% | 5,490 |
| Credit loss provision to net charge-offs | 213.0952% | 2,266 |
| Earnings coverage of net charge-offs (x) | 13.1905% | 2,156 |
| Efficiency ratio | 76.3954% | 3,168 |
| Assets per employee ($millions) | 3.3598% | 5,068 |
| Cash dividends to net income (ytd only)* | 31.6384% | 4,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 6,700 |
| Loan loss allowance to noncurrent loans | 173.3333% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 5,308 |
| Noncurrent loans to loans | 0.5167% | 5,799 |
| Net loans and leases to total assets | 78.6853% | 1,959 |
| Net loans and leases to deposits | 88.9285% | 3,649 |
| Net loans and leases to core deposits | 105.4563% | 4,249 |
| Total domestic deposits to total assets | 88.4815% | 1,263 |
| Equity capital to assets | 8.3121% | 6,407 |
| Core capital (leverage) ratio | 8.6581% | 5,270 |
| Tier 1 risk-based capital ratio | 9.4807% | 7,331 |
| Total risk-based capital ratio | 10.2857% | 7,741 |
| Memoranda: | ||
| Average total assets | $115,193,400 | 4,632 |
| Average earning assets | $106,256,800 | 4,610 |
| Average equity | $9,828,600 | 5,459 |
| Average total loans | $95,848,600 | 4,056 |