Home > Citizens National Bank > Performance and Condition Ratios
Citizens National 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 | 4.7642% | 2,548 |
| Cost of funding earning assets | 1.6022% | 1,686 |
| Net interest margin | 3.1620% | 2,959 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 1.8094% | 3,994 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.5727% | 904 |
| Return on assets (ROA) | 1.5727% | 871 |
| Pretax return on assets | 1.6020% | 1,223 |
| Return on Equity (ROE) | 20.3700% | 581 |
| Retained earnings to average equity (ytd only) | 11.9358% | 639 |
| Net charge-offs to loans | 0.0087% | 2,330 |
| Credit loss provision to net charge-offs | 111.5789% | 1,748 |
| Earnings coverage of net charge-offs (x) | 287.3474% | 445 |
| Efficiency ratio | 52.3221% | 3,800 |
| Assets per employee ($millions) | 8.4967% | 1,186 |
| Cash dividends to net income (ytd only)* | 41.4010% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 2,606 |
| Loan loss allowance to noncurrent loans | 327,300.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 3,866 |
| Noncurrent loans to loans | 0.0003% | 3,812 |
| Net loans and leases to total assets | 62.7600% | 2,599 |
| Net loans and leases to deposits | 76.7746% | 2,373 |
| Net loans and leases to core deposits | 84.4845% | 2,418 |
| Total domestic deposits to total assets | 81.7500% | 3,170 |
| Equity capital to assets | 7.8655% | 3,508 |
| Core capital (leverage) ratio | 10.1111% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6257% | 1,649 |
| Memoranda: | ||
| Average total assets | $1,655,595,400 | 662 |
| Average earning assets | $1,541,158,600 | 651 |
| Average equity | $127,834,400 | 777 |
| Average total loans | $1,087,053,400 | 687 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 2,429 |
| Cost of funding earning assets | 1.4801% | 1,665 |
| Net interest margin | 3.2417% | 2,817 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 1.9099% | 3,787 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.5751% | 973 |
| Return on assets (ROA) | 1.5751% | 964 |
| Pretax return on assets | 1.6089% | 1,337 |
| Return on Equity (ROE) | 20.5100% | 675 |
| Retained earnings to average equity (ytd only) | 11.8274% | 1,004 |
| Net charge-offs to loans | 0.0076% | 2,138 |
| Credit loss provision to net charge-offs | 877.0492% | 437 |
| Earnings coverage of net charge-offs (x) | 328.6557% | 418 |
| Efficiency ratio | 53.6044% | 3,616 |
| Assets per employee ($millions) | 7.8931% | 1,401 |
| Cash dividends to net income (ytd only)* | 42.3232% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 2,795 |
| Loan loss allowance to noncurrent loans | 252,300.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,893 |
| Noncurrent loans to loans | 0.0004% | 3,839 |
| Net loans and leases to total assets | 66.9600% | 2,166 |
| Net loans and leases to deposits | 77.8679% | 2,259 |
| Net loans and leases to core deposits | 85.6022% | 2,207 |
| Total domestic deposits to total assets | 85.9900% | 2,196 |
| Equity capital to assets | 7.0220% | 3,597 |
| Core capital (leverage) ratio | 10.1497% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2231% | 1,812 |
| Memoranda: | ||
| Average total assets | $1,617,043,750 | 678 |
| Average earning assets | $1,503,063,500 | 669 |
| Average equity | $124,205,500 | 791 |
| Average total loans | $1,071,573,500 | 691 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 2,539 |
| Cost of funding earning assets | 1.3394% | 1,613 |
| Net interest margin | 3.2060% | 2,978 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 1.8748% | 3,871 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.5079% | 1,085 |
| Return on assets (ROA) | 1.5079% | 1,088 |
| Pretax return on assets | 1.5364% | 1,527 |
| Return on Equity (ROE) | 19.0600% | 824 |
| Retained earnings to average equity (ytd only) | 10.5346% | 1,269 |
| Net charge-offs to loans | 0.0082% | 1,907 |
| Credit loss provision to net charge-offs | 825.5814% | 470 |
| Earnings coverage of net charge-offs (x) | 293.7907% | 456 |
| Efficiency ratio | 54.2531% | 3,586 |
| Assets per employee ($millions) | 7.7476% | 1,443 |
| Cash dividends to net income (ytd only)* | 44.7303% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 2,797 |
| Loan loss allowance to noncurrent loans | 249,060.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,915 |
| Noncurrent loans to loans | 0.0005% | 3,843 |
| Net loans and leases to total assets | 66.3800% | 2,114 |
| Net loans and leases to deposits | 77.8730% | 2,146 |
| Net loans and leases to core deposits | 83.9788% | 2,212 |
| Total domestic deposits to total assets | 85.2500% | 2,476 |
| Equity capital to assets | 7.7841% | 3,358 |
| Core capital (leverage) ratio | 10.2695% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2402% | 1,803 |
| Memoranda: | ||
| Average total assets | $1,598,282,333 | 674 |
| Average earning assets | $1,484,210,667 | 666 |
| Average equity | $126,440,333 | 772 |
| Average total loans | $1,051,080,333 | 686 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 2,504 |
| Cost of funding earning assets | 1.1438% | 1,617 |
| Net interest margin | 3.2754% | 2,935 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 1.9889% | 3,656 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.4587% | 1,267 |
| Return on assets (ROA) | 1.4587% | 1,243 |
| Pretax return on assets | 1.4818% | 1,712 |
| Return on Equity (ROE) | 18.2900% | 988 |
| Retained earnings to average equity (ytd only) | 9.7125% | 1,763 |
| Net charge-offs to loans | 0.0156% | 1,385 |
| Credit loss provision to net charge-offs | 437.5000% | 589 |
| Earnings coverage of net charge-offs (x) | 150.3500% | 610 |
| Efficiency ratio | 56.5808% | 3,347 |
| Assets per employee ($millions) | 7.6627% | 1,525 |
| Cash dividends to net income (ytd only)* | 46.8859% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,057 |
| Loan loss allowance to noncurrent loans | 31,278.3784% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 3,896 |
| Noncurrent loans to loans | 0.0035% | 3,830 |
| Net loans and leases to total assets | 64.6700% | 2,183 |
| Net loans and leases to deposits | 76.2358% | 2,093 |
| Net loans and leases to core deposits | 80.9641% | 2,185 |
| Total domestic deposits to total assets | 84.8300% | 2,896 |
| Equity capital to assets | 8.1208% | 3,159 |
| Core capital (leverage) ratio | 10.3845% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2896% | 1,866 |
| Memoranda: | ||
| Average total assets | $1,576,182,500 | 696 |
| Average earning assets | $1,462,897,000 | 689 |
| Average equity | $125,734,500 | 785 |
| Average total loans | $1,025,216,500 | 709 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9049% | 1,970 |
| Cost of funding earning assets | 0.3391% | 2,561 |
| Net interest margin | 3.5658% | 1,742 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.0161% | 3,540 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.7044% | 534 |
| Return on assets (ROA) | 1.6374% | 596 |
| Pretax return on assets | 1.6746% | 982 |
| Return on Equity (ROE) | 19.9900% | 480 |
| Retained earnings to average equity (ytd only) | 9.9451% | 1,175 |
| Net charge-offs to loans | -0.0455% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.0934% | 3,874 |
| Assets per employee ($millions) | 7.2451% | 1,790 |
| Cash dividends to net income (ytd only)* | 50.2463% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 1,849 |
| Loan loss allowance to noncurrent loans | 20,440.6250% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 3,889 |
| Noncurrent loans to loans | 0.0064% | 3,819 |
| Net loans and leases to total assets | 63.8300% | 2,259 |
| Net loans and leases to deposits | 70.4810% | 2,538 |
| Net loans and leases to core deposits | 73.4656% | 2,609 |
| Total domestic deposits to total assets | 90.5700% | 1,125 |
| Equity capital to assets | 7.8273% | 3,168 |
| Core capital (leverage) ratio | 10.1747% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9189% | 1,653 |
| Memoranda: | ||
| Average total assets | $1,599,583,800 | 672 |
| Average earning assets | $1,486,175,600 | 666 |
| Average equity | $131,029,200 | 744 |
| Average total loans | $969,774,000 | 705 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7422% | 1,919 |
| Cost of funding earning assets | 0.2730% | 2,456 |
| Net interest margin | 3.4692% | 1,750 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.7940% | 3,997 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.8241% | 408 |
| Return on assets (ROA) | 1.8241% | 398 |
| Pretax return on assets | 1.8726% | 626 |
| Return on Equity (ROE) | 22.0300% | 290 |
| Retained earnings to average equity (ytd only) | 12.1834% | 754 |
| Net charge-offs to loans | -0.0655% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.4416% | 4,249 |
| Assets per employee ($millions) | 7.4362% | 1,657 |
| Cash dividends to net income (ytd only)* | 44.7072% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 1,911 |
| Loan loss allowance to noncurrent loans | 21,950.8475% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 3,985 |
| Noncurrent loans to loans | 0.0060% | 3,912 |
| Net loans and leases to total assets | 60.8800% | 2,414 |
| Net loans and leases to deposits | 66.1108% | 2,710 |
| Net loans and leases to core deposits | 68.2241% | 2,789 |
| Total domestic deposits to total assets | 92.0800% | 855 |
| Equity capital to assets | 7.2046% | 3,401 |
| Core capital (leverage) ratio | 10.0525% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5319% | 1,558 |
| Memoranda: | ||
| Average total assets | $1,613,678,000 | 667 |
| Average earning assets | $1,499,545,750 | 664 |
| Average equity | $133,588,500 | 745 |
| Average total loans | $962,678,750 | 704 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5132% | 2,098 |
| Cost of funding earning assets | 0.2586% | 2,159 |
| Net interest margin | 3.2546% | 2,041 |
| Noninterest income to average assets | 0.4698% | 2,353 |
| Noninterest expense to average assets | 1.7675% | 4,023 |
| Loan and lease loss provision to assets | 0.0346% | 1,953 |
| Net operating income to assets | 1.6795% | 449 |
| Return on assets (ROA) | 1.6795% | 444 |
| Pretax return on assets | 1.7177% | 721 |
| Return on Equity (ROE) | 19.4660% | 345 |
| Retained earnings to average equity (ytd only) | 10.0714% | 998 |
| Net charge-offs to loans | 0.0094% | 1,633 |
| Credit loss provision to net charge-offs | 624.4444% | 554 |
| Earnings coverage of net charge-offs (x) | 316.1111% | 386 |
| Efficiency ratio | 50.2170% | 4,233 |
| Assets per employee ($millions) | 7.8380% | 1,388 |
| Cash dividends to net income (ytd only)* | 48.2617% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 2,311 |
| Loan loss allowance to noncurrent loans | 1,226,700.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 4,091 |
| Noncurrent loans to loans | 0.0001% | 4,025 |
| Net loans and leases to total assets | 57.4931% | 2,585 |
| Net loans and leases to deposits | 62.8401% | 2,823 |
| Net loans and leases to core deposits | 64.8451% | 2,906 |
| Total domestic deposits to total assets | 91.4911% | 1,031 |
| Equity capital to assets | 7.8704% | 3,223 |
| Core capital (leverage) ratio | 9.8186% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4004% | 1,599 |
| Memoranda: | ||
| Average total assets | $1,623,603,667 | 662 |
| Average earning assets | $1,521,528,333 | 651 |
| Average equity | $140,080,000 | 720 |
| Average total loans | $957,843,667 | 693 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3114% | 2,352 |
| Cost of funding earning assets | 0.2529% | 2,124 |
| Net interest margin | 3.0585% | 2,296 |
| Noninterest income to average assets | 0.4685% | 2,307 |
| Noninterest expense to average assets | 1.7741% | 4,004 |
| Loan and lease loss provision to assets | 0.0288% | 1,847 |
| Net operating income to assets | 1.5132% | 613 |
| Return on assets (ROA) | 1.5132% | 603 |
| Pretax return on assets | 1.5344% | 951 |
| Return on Equity (ROE) | 16.7817% | 448 |
| Retained earnings to average equity (ytd only) | 7.7083% | 1,671 |
| Net charge-offs to loans | 0.0117% | 1,332 |
| Credit loss provision to net charge-offs | 414.2857% | 578 |
| Earnings coverage of net charge-offs (x) | 224.5000% | 400 |
| Efficiency ratio | 53.1595% | 4,111 |
| Assets per employee ($millions) | 7.6874% | 1,557 |
| Cash dividends to net income (ytd only)* | 54.0674% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 2,416 |
| Loan loss allowance to noncurrent loans | 725.3142% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 3,088 |
| Noncurrent loans to loans | 0.1778% | 2,930 |
| Net loans and leases to total assets | 57.1861% | 2,390 |
| Net loans and leases to deposits | 62.9648% | 2,631 |
| Net loans and leases to core deposits | 65.2423% | 2,698 |
| Total domestic deposits to total assets | 90.8224% | 1,129 |
| Equity capital to assets | 8.4865% | 3,171 |
| Core capital (leverage) ratio | 9.6174% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8167% | 1,558 |
| Memoranda: | ||
| Average total assets | $1,608,493,000 | 667 |
| Average earning assets | $1,508,716,500 | 660 |
| Average equity | $145,039,000 | 726 |
| Average total loans | $955,214,500 | 690 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0612% | 1,225 |
| Cost of funding earning assets | 0.2987% | 2,417 |
| Net interest margin | 3.7626% | 1,079 |
| Noninterest income to average assets | 0.5871% | 2,216 |
| Noninterest expense to average assets | 2.0080% | 3,654 |
| Loan and lease loss provision to assets | 0.0467% | 2,124 |
| Net operating income to assets | 1.9652% | 360 |
| Return on assets (ROA) | 1.9659% | 381 |
| Pretax return on assets | 2.0077% | 591 |
| Return on Equity (ROE) | 19.2607% | 356 |
| Retained earnings to average equity (ytd only) | 9.6178% | 1,012 |
| Net charge-offs to loans | 0.0083% | 2,269 |
| Credit loss provision to net charge-offs | 838.7500% | 588 |
| Earnings coverage of net charge-offs (x) | 368.7875% | 349 |
| Efficiency ratio | 49.4379% | 4,326 |
| Assets per employee ($millions) | 8.0552% | 1,300 |
| Cash dividends to net income (ytd only)* | 50.0655% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,678 |
| Loan loss allowance to noncurrent loans | 4,092.1769% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,951 |
| Noncurrent loans to loans | 0.0303% | 3,855 |
| Net loans and leases to total assets | 60.1084% | 2,150 |
| Net loans and leases to deposits | 67.0311% | 2,405 |
| Net loans and leases to core deposits | 69.5866% | 2,495 |
| Total domestic deposits to total assets | 89.6724% | 1,129 |
| Equity capital to assets | 9.5567% | 3,094 |
| Core capital (leverage) ratio | 9.6364% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3072% | 1,737 |
| Memoranda: | ||
| Average total assets | $1,436,615,400 | 703 |
| Average earning assets | $1,326,618,200 | 703 |
| Average equity | $146,635,000 | 733 |
| Average total loans | $958,616,800 | 682 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1729% | 1,144 |
| Cost of funding earning assets | 0.3123% | 2,477 |
| Net interest margin | 3.8606% | 1,004 |
| Noninterest income to average assets | 0.6037% | 2,204 |
| Noninterest expense to average assets | 1.9924% | 3,704 |
| Loan and lease loss provision to assets | 0.0623% | 1,755 |
| Net operating income to assets | 2.0502% | 426 |
| Return on assets (ROA) | 2.0502% | 451 |
| Pretax return on assets | 2.0943% | 679 |
| Return on Equity (ROE) | 19.7275% | 444 |
| Retained earnings to average equity (ytd only) | 11.1136% | 1,037 |
| Net charge-offs to loans | 0.0073% | 2,051 |
| Credit loss provision to net charge-offs | 1,255.7692% | 454 |
| Earnings coverage of net charge-offs (x) | 434.5577% | 335 |
| Efficiency ratio | 48.0206% | 4,362 |
| Assets per employee ($millions) | 7.6002% | 1,509 |
| Cash dividends to net income (ytd only)* | 43.6645% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,788 |
| Loan loss allowance to noncurrent loans | 3,354.3175% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 4,019 |
| Noncurrent loans to loans | 0.0370% | 3,941 |
| Net loans and leases to total assets | 63.9863% | 1,777 |
| Net loans and leases to deposits | 71.8386% | 2,065 |
| Net loans and leases to core deposits | 74.8342% | 2,161 |
| Total domestic deposits to total assets | 89.0695% | 1,241 |
| Equity capital to assets | 10.0556% | 2,846 |
| Core capital (leverage) ratio | 9.9778% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0551% | 1,597 |
| Memoranda: | ||
| Average total assets | $1,397,034,500 | 725 |
| Average earning assets | $1,282,916,250 | 731 |
| Average equity | $145,188,000 | 753 |
| Average total loans | $955,590,250 | 702 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2485% | 1,094 |
| Cost of funding earning assets | 0.3274% | 2,522 |
| Net interest margin | 3.9211% | 932 |
| Noninterest income to average assets | 0.5688% | 2,344 |
| Noninterest expense to average assets | 2.0184% | 3,643 |
| Loan and lease loss provision to assets | 0.0933% | 1,342 |
| Net operating income to assets | 2.0173% | 469 |
| Return on assets (ROA) | 2.0173% | 497 |
| Pretax return on assets | 2.0488% | 755 |
| Return on Equity (ROE) | 19.1829% | 524 |
| Retained earnings to average equity (ytd only) | 10.1521% | 1,355 |
| Net charge-offs to loans | 0.0061% | 1,924 |
| Credit loss provision to net charge-offs | 2,193.1034% | 270 |
| Earnings coverage of net charge-offs (x) | 503.6207% | 262 |
| Efficiency ratio | 48.5141% | 4,353 |
| Assets per employee ($millions) | 7.2123% | 1,656 |
| Cash dividends to net income (ytd only)* | 47.0772% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,688 |
| Loan loss allowance to noncurrent loans | 4,615.7088% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,161 |
| Noncurrent loans to loans | 0.0270% | 4,077 |
| Net loans and leases to total assets | 66.0712% | 1,689 |
| Net loans and leases to deposits | 74.3530% | 1,969 |
| Net loans and leases to core deposits | 77.4820% | 2,095 |
| Total domestic deposits to total assets | 88.8615% | 1,349 |
| Equity capital to assets | 10.1765% | 2,700 |
| Core capital (leverage) ratio | 10.1923% | 2,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2793% | 1,534 |
| Memoranda: | ||
| Average total assets | $1,363,634,333 | 735 |
| Average earning assets | $1,249,090,667 | 745 |
| Average equity | $143,398,667 | 754 |
| Average total loans | $950,764,667 | 706 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5120% | 764 |
| Cost of funding earning assets | 0.3458% | 2,562 |
| Net interest margin | 4.1662% | 641 |
| Noninterest income to average assets | 0.5386% | 2,440 |
| Noninterest expense to average assets | 2.1066% | 3,404 |
| Loan and lease loss provision to assets | 0.0961% | 1,398 |
| Net operating income to assets | 2.1081% | 486 |
| Return on assets (ROA) | 2.1081% | 527 |
| Pretax return on assets | 2.1425% | 754 |
| Return on Equity (ROE) | 19.7004% | 555 |
| Retained earnings to average equity (ytd only) | 10.3146% | 1,571 |
| Net charge-offs to loans | 0.0064% | 1,669 |
| Credit loss provision to net charge-offs | 2,120.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 494.0667% | 194 |
| Efficiency ratio | 48.4811% | 4,308 |
| Assets per employee ($millions) | 6.8010% | 1,932 |
| Cash dividends to net income (ytd only)* | 47.6429% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 2,855 |
| Loan loss allowance to noncurrent loans | 1,814.9923% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 4,035 |
| Noncurrent loans to loans | 0.0669% | 3,955 |
| Net loans and leases to total assets | 69.8472% | 1,311 |
| Net loans and leases to deposits | 78.8543% | 1,629 |
| Net loans and leases to core deposits | 83.7129% | 1,700 |
| Total domestic deposits to total assets | 88.5776% | 1,569 |
| Equity capital to assets | 10.4369% | 2,326 |
| Core capital (leverage) ratio | 10.6816% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0767% | 1,545 |
| Memoranda: | ||
| Average total assets | $1,324,225,000 | 750 |
| Average earning assets | $1,209,925,500 | 761 |
| Average equity | $141,702,500 | 752 |
| Average total loans | $943,600,500 | 709 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4047% | 1,582 |
| Cost of funding earning assets | 0.5297% | 2,751 |
| Net interest margin | 3.8750% | 1,291 |
| Noninterest income to average assets | 0.5142% | 2,569 |
| Noninterest expense to average assets | 2.1517% | 3,816 |
| Loan and lease loss provision to assets | 0.0943% | 3,171 |
| Net operating income to assets | 1.8147% | 373 |
| Return on assets (ROA) | 1.8151% | 405 |
| Pretax return on assets | 1.8206% | 657 |
| Return on Equity (ROE) | 16.0975% | 492 |
| Retained earnings to average equity (ytd only) | 7.0768% | 1,371 |
| Net charge-offs to loans | 0.0628% | 1,879 |
| Credit loss provision to net charge-offs | 201.9643% | 2,152 |
| Earnings coverage of net charge-offs (x) | 41.0036% | 1,366 |
| Efficiency ratio | 52.9178% | 4,317 |
| Assets per employee ($millions) | 6.2509% | 2,122 |
| Cash dividends to net income (ytd only)* | 56.0378% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,733 |
| Loan loss allowance to noncurrent loans | 4,451.3619% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 4,294 |
| Noncurrent loans to loans | 0.0279% | 4,207 |
| Net loans and leases to total assets | 70.9514% | 1,433 |
| Net loans and leases to deposits | 80.6875% | 1,794 |
| Net loans and leases to core deposits | 86.7715% | 1,806 |
| Total domestic deposits to total assets | 87.9336% | 1,506 |
| Equity capital to assets | 10.9823% | 2,266 |
| Core capital (leverage) ratio | 10.8248% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0598% | 1,508 |
| Memoranda: | ||
| Average total assets | $1,199,416,200 | 752 |
| Average earning assets | $1,099,430,000 | 750 |
| Average equity | $135,244,600 | 744 |
| Average total loans | $891,625,000 | 720 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 1,746 |
| Cost of funding earning assets | 0.5732% | 2,784 |
| Net interest margin | 3.8646% | 1,436 |
| Noninterest income to average assets | 0.5088% | 2,578 |
| Noninterest expense to average assets | 2.1654% | 3,764 |
| Loan and lease loss provision to assets | 0.0919% | 3,166 |
| Net operating income to assets | 1.7683% | 494 |
| Return on assets (ROA) | 1.7686% | 548 |
| Pretax return on assets | 1.8038% | 771 |
| Return on Equity (ROE) | 15.5746% | 605 |
| Retained earnings to average equity (ytd only) | 6.2127% | 2,014 |
| Net charge-offs to loans | 0.0799% | 1,505 |
| Credit loss provision to net charge-offs | 153.3962% | 2,307 |
| Earnings coverage of net charge-offs (x) | 31.6208% | 1,536 |
| Efficiency ratio | 53.3253% | 4,218 |
| Assets per employee ($millions) | 5.9676% | 2,294 |
| Cash dividends to net income (ytd only)* | 60.1100% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,568 |
| Loan loss allowance to noncurrent loans | 1,287.7598% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 4,084 |
| Noncurrent loans to loans | 0.0946% | 3,987 |
| Net loans and leases to total assets | 73.9278% | 1,377 |
| Net loans and leases to deposits | 84.6225% | 1,845 |
| Net loans and leases to core deposits | 91.1448% | 1,874 |
| Total domestic deposits to total assets | 87.3619% | 1,518 |
| Equity capital to assets | 11.2480% | 2,193 |
| Core capital (leverage) ratio | 10.6950% | 2,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1204% | 1,471 |
| Memoranda: | ||
| Average total assets | $1,178,910,250 | 753 |
| Average earning assets | $1,083,545,500 | 748 |
| Average equity | $133,872,750 | 744 |
| Average total loans | $884,371,250 | 719 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4852% | 1,959 |
| Cost of funding earning assets | 0.6288% | 2,820 |
| Net interest margin | 3.8564% | 1,676 |
| Noninterest income to average assets | 0.4788% | 2,658 |
| Noninterest expense to average assets | 2.1923% | 3,807 |
| Loan and lease loss provision to assets | 0.0852% | 3,215 |
| Net operating income to assets | 1.7325% | 583 |
| Return on assets (ROA) | 1.7330% | 634 |
| Pretax return on assets | 1.7526% | 887 |
| Return on Equity (ROE) | 15.2108% | 682 |
| Retained earnings to average equity (ytd only) | 5.2583% | 2,361 |
| Net charge-offs to loans | 0.1183% | 1,139 |
| Credit loss provision to net charge-offs | 95.9381% | 2,439 |
| Earnings coverage of net charge-offs (x) | 20.6847% | 1,678 |
| Efficiency ratio | 54.4044% | 4,130 |
| Assets per employee ($millions) | 6.1760% | 2,042 |
| Cash dividends to net income (ytd only)* | 65.4308% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 2,699 |
| Loan loss allowance to noncurrent loans | 4,322.3108% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 4,459 |
| Noncurrent loans to loans | 0.0270% | 4,376 |
| Net loans and leases to total assets | 72.3029% | 1,652 |
| Net loans and leases to deposits | 82.1204% | 2,193 |
| Net loans and leases to core deposits | 88.0735% | 2,241 |
| Total domestic deposits to total assets | 88.0450% | 1,153 |
| Equity capital to assets | 10.6406% | 2,628 |
| Core capital (leverage) ratio | 10.9969% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7322% | 1,561 |
| Memoranda: | ||
| Average total assets | $1,164,094,667 | 753 |
| Average earning assets | $1,071,840,667 | 748 |
| Average equity | $132,629,333 | 741 |
| Average total loans | $873,977,333 | 714 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7767% | 1,483 |
| Cost of funding earning assets | 0.7435% | 2,701 |
| Net interest margin | 4.0332% | 1,305 |
| Noninterest income to average assets | 0.5229% | 2,426 |
| Noninterest expense to average assets | 2.2976% | 3,777 |
| Loan and lease loss provision to assets | 0.0641% | 2,963 |
| Net operating income to assets | 1.8302% | 384 |
| Return on assets (ROA) | 1.8302% | 430 |
| Pretax return on assets | 1.8519% | 624 |
| Return on Equity (ROE) | 15.4781% | 488 |
| Retained earnings to average equity (ytd only) | 3.8977% | 2,718 |
| Net charge-offs to loans | 0.0525% | 1,486 |
| Credit loss provision to net charge-offs | 160.3604% | 1,551 |
| Earnings coverage of net charge-offs (x) | 47.9009% | 924 |
| Efficiency ratio | 54.5284% | 4,356 |
| Assets per employee ($millions) | 5.3415% | 2,283 |
| Cash dividends to net income (ytd only)* | 74.8179% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,212 |
| Loan loss allowance to noncurrent loans | 778.3630% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 3,999 |
| Noncurrent loans to loans | 0.1651% | 3,873 |
| Net loans and leases to total assets | 75.6128% | 1,366 |
| Net loans and leases to deposits | 86.9391% | 1,880 |
| Net loans and leases to core deposits | 92.3743% | 2,120 |
| Total domestic deposits to total assets | 86.9721% | 1,567 |
| Equity capital to assets | 12.0074% | 2,061 |
| Core capital (leverage) ratio | 11.5338% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5886% | 1,721 |
| Memoranda: | ||
| Average total assets | $1,110,016,000 | 753 |
| Average earning assets | $1,015,767,000 | 751 |
| Average equity | $131,256,500 | 745 |
| Average total loans | $845,604,000 | 711 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8712% | 1,843 |
| Cost of funding earning assets | 0.8485% | 2,439 |
| Net interest margin | 4.0227% | 1,779 |
| Noninterest income to average assets | 0.4983% | 2,756 |
| Noninterest expense to average assets | 2.3114% | 3,919 |
| Loan and lease loss provision to assets | -0.0338% | 4,983 |
| Net operating income to assets | 1.8984% | 430 |
| Return on assets (ROA) | 1.8996% | 446 |
| Pretax return on assets | 1.9229% | 709 |
| Return on Equity (ROE) | 16.7205% | 452 |
| Retained earnings to average equity (ytd only) | 6.8713% | 1,442 |
| Net charge-offs to loans | -0.0060% | 4,369 |
| Credit loss provision to net charge-offs | 748.9796% | 431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0443% | 4,318 |
| Assets per employee ($millions) | 5.4363% | 2,120 |
| Cash dividends to net income (ytd only)* | 58.9048% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 1,956 |
| Loan loss allowance to noncurrent loans | 778.5817% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 4,015 |
| Noncurrent loans to loans | 0.1662% | 3,865 |
| Net loans and leases to total assets | 74.7809% | 1,619 |
| Net loans and leases to deposits | 85.7403% | 2,129 |
| Net loans and leases to core deposits | 90.8371% | 2,338 |
| Total domestic deposits to total assets | 87.2179% | 1,505 |
| Equity capital to assets | 11.6418% | 2,392 |
| Core capital (leverage) ratio | 11.5980% | 2,039 |
| Tier 1 risk-based capital ratio | 14.3160% | 3,109 |
| Total risk-based capital ratio | 15.5480% | 3,036 |
| Memoranda: | ||
| Average total assets | $1,085,364,800 | 734 |
| Average earning assets | $998,522,800 | 729 |
| Average equity | $123,309,400 | 739 |
| Average total loans | $822,884,400 | 697 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8781% | 1,878 |
| Cost of funding earning assets | 0.8750% | 2,342 |
| Net interest margin | 4.0032% | 1,924 |
| Noninterest income to average assets | 0.5500% | 2,460 |
| Noninterest expense to average assets | 2.2915% | 3,975 |
| Loan and lease loss provision to assets | 0.0306% | 3,290 |
| Net operating income to assets | 1.8803% | 521 |
| Return on assets (ROA) | 1.8803% | 539 |
| Pretax return on assets | 1.9108% | 841 |
| Return on Equity (ROE) | 16.6559% | 522 |
| Retained earnings to average equity (ytd only) | 6.2398% | 2,255 |
| Net charge-offs to loans | -0.0142% | 4,480 |
| Credit loss provision to net charge-offs | -285.0575% | 4,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1348% | 4,381 |
| Assets per employee ($millions) | 5.4515% | 2,074 |
| Cash dividends to net income (ytd only)* | 62.5370% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 1,622 |
| Loan loss allowance to noncurrent loans | 868.3497% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 3,252 |
| Noncurrent loans to loans | 0.1600% | 3,969 |
| Net loans and leases to total assets | 74.2663% | 1,764 |
| Net loans and leases to deposits | 85.4812% | 2,264 |
| Net loans and leases to core deposits | 90.8050% | 2,484 |
| Total domestic deposits to total assets | 86.8802% | 1,581 |
| Equity capital to assets | 11.4903% | 2,665 |
| Core capital (leverage) ratio | 11.5621% | 2,174 |
| Tier 1 risk-based capital ratio | 13.9624% | 3,351 |
| Total risk-based capital ratio | 15.2130% | 3,266 |
| Memoranda: | ||
| Average total assets | $1,079,454,500 | 740 |
| Average earning assets | $993,091,750 | 733 |
| Average equity | $121,859,750 | 746 |
| Average total loans | $818,557,000 | 701 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8574% | 1,884 |
| Cost of funding earning assets | 0.8991% | 2,147 |
| Net interest margin | 3.9584% | 2,064 |
| Noninterest income to average assets | 0.5318% | 2,491 |
| Noninterest expense to average assets | 2.2397% | 4,150 |
| Loan and lease loss provision to assets | 0.0308% | 3,205 |
| Net operating income to assets | 1.8774% | 506 |
| Return on assets (ROA) | 1.8774% | 529 |
| Pretax return on assets | 1.9093% | 821 |
| Return on Equity (ROE) | 16.7328% | 495 |
| Retained earnings to average equity (ytd only) | 5.5610% | 2,491 |
| Net charge-offs to loans | -0.0091% | 4,292 |
| Credit loss provision to net charge-offs | -445.9459% | 4,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5835% | 4,514 |
| Assets per employee ($millions) | 5.2464% | 2,209 |
| Cash dividends to net income (ytd only)* | 66.7660% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 1,577 |
| Loan loss allowance to noncurrent loans | 674.3635% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 3,032 |
| Noncurrent loans to loans | 0.2089% | 3,794 |
| Net loans and leases to total assets | 75.2257% | 1,685 |
| Net loans and leases to deposits | 86.7837% | 2,160 |
| Net loans and leases to core deposits | 92.3741% | 2,380 |
| Total domestic deposits to total assets | 86.6818% | 1,734 |
| Equity capital to assets | 11.6476% | 2,489 |
| Core capital (leverage) ratio | 11.3184% | 2,322 |
| Tier 1 risk-based capital ratio | 14.2291% | 3,196 |
| Total risk-based capital ratio | 15.4801% | 3,110 |
| Memoranda: | ||
| Average total assets | $1,072,206,000 | 741 |
| Average earning assets | $988,134,670 | 735 |
| Average equity | $120,302,670 | 746 |
| Average total loans | $814,961,670 | 705 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7354% | 2,095 |
| Cost of funding earning assets | 0.8811% | 2,087 |
| Net interest margin | 3.8542% | 2,326 |
| Noninterest income to average assets | 0.4944% | 2,585 |
| Noninterest expense to average assets | 2.1854% | 4,292 |
| Loan and lease loss provision to assets | 0.0308% | 3,004 |
| Net operating income to assets | 1.8190% | 554 |
| Return on assets (ROA) | 1.8190% | 572 |
| Pretax return on assets | 1.8379% | 892 |
| Return on Equity (ROE) | 16.5209% | 527 |
| Retained earnings to average equity (ytd only) | 5.9090% | 2,492 |
| Net charge-offs to loans | -0.0924% | 5,010 |
| Credit loss provision to net charge-offs | -43.9153% | 3,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9067% | 4,538 |
| Assets per employee ($millions) | 5.4558% | 2,024 |
| Cash dividends to net income (ytd only)* | 64.2333% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 1,709 |
| Loan loss allowance to noncurrent loans | 834.5958% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 3,289 |
| Noncurrent loans to loans | 0.1667% | 4,004 |
| Net loans and leases to total assets | 73.7023% | 1,864 |
| Net loans and leases to deposits | 84.7170% | 2,295 |
| Net loans and leases to core deposits | 90.6721% | 2,427 |
| Total domestic deposits to total assets | 86.9983% | 1,814 |
| Equity capital to assets | 10.9291% | 2,919 |
| Core capital (leverage) ratio | 11.1399% | 2,439 |
| Tier 1 risk-based capital ratio | 13.7531% | 3,470 |
| Total risk-based capital ratio | 15.0039% | 3,375 |
| Memoranda: | ||
| Average total assets | $1,078,419,500 | 738 |
| Average earning assets | $995,993,000 | 733 |
| Average equity | $118,734,500 | 752 |
| Average total loans | $818,134,500 | 705 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8206% | 1,498 |
| Cost of funding earning assets | 0.6544% | 2,361 |
| Net interest margin | 4.1662% | 1,486 |
| Noninterest income to average assets | 0.5413% | 2,602 |
| Noninterest expense to average assets | 2.3686% | 3,961 |
| Loan and lease loss provision to assets | 0.0666% | 2,820 |
| Net operating income to assets | 1.9053% | 439 |
| Return on assets (ROA) | 1.9225% | 415 |
| Pretax return on assets | 1.9437% | 641 |
| Return on Equity (ROE) | 17.8866% | 400 |
| Retained earnings to average equity (ytd only) | 10.7898% | 472 |
| Net charge-offs to loans | 0.0686% | 2,136 |
| Credit loss provision to net charge-offs | 126.0073% | 2,087 |
| Earnings coverage of net charge-offs (x) | 37.6850% | 1,373 |
| Efficiency ratio | 54.3060% | 4,586 |
| Assets per employee ($millions) | 5.0468% | 2,439 |
| Cash dividends to net income (ytd only)* | 39.6765% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 1,729 |
| Loan loss allowance to noncurrent loans | 559,400.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 3,674 |
| Noncurrent loans to loans | 0.0002% | 4,836 |
| Net loans and leases to total assets | 75.9760% | 1,618 |
| Net loans and leases to deposits | 88.6497% | 1,970 |
| Net loans and leases to core deposits | 95.0285% | 2,136 |
| Total domestic deposits to total assets | 85.7036% | 2,362 |
| Equity capital to assets | 11.0947% | 2,597 |
| Core capital (leverage) ratio | 11.3573% | 2,220 |
| Tier 1 risk-based capital ratio | 13.6061% | 3,491 |
| Total risk-based capital ratio | 14.8565% | 3,399 |
| Memoranda: | ||
| Average total assets | $1,032,421,400 | 744 |
| Average earning assets | $946,686,400 | 740 |
| Average equity | $110,965,600 | 773 |
| Average total loans | $795,992,600 | 701 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7854% | 1,468 |
| Cost of funding earning assets | 0.6281% | 2,283 |
| Net interest margin | 4.1573% | 1,476 |
| Noninterest income to average assets | 0.5431% | 2,601 |
| Noninterest expense to average assets | 2.3558% | 3,958 |
| Loan and lease loss provision to assets | 0.0787% | 2,376 |
| Net operating income to assets | 1.8518% | 548 |
| Return on assets (ROA) | 1.8746% | 519 |
| Pretax return on assets | 1.9418% | 748 |
| Return on Equity (ROE) | 17.5867% | 472 |
| Retained earnings to average equity (ytd only) | 10.7650% | 704 |
| Net charge-offs to loans | 0.0278% | 2,551 |
| Credit loss provision to net charge-offs | 367.2727% | 863 |
| Earnings coverage of net charge-offs (x) | 93.2140% | 795 |
| Efficiency ratio | 54.1211% | 4,604 |
| Assets per employee ($millions) | 5.1039% | 2,332 |
| Cash dividends to net income (ytd only)* | 38.7892% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 1,648 |
| Loan loss allowance to noncurrent loans | 459.8078% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 3,681 |
| Noncurrent loans to loans | 0.3074% | 3,573 |
| Net loans and leases to total assets | 76.1920% | 1,635 |
| Net loans and leases to deposits | 87.5363% | 2,209 |
| Net loans and leases to core deposits | 93.4668% | 2,353 |
| Total domestic deposits to total assets | 87.0404% | 1,710 |
| Equity capital to assets | 10.6906% | 2,941 |
| Core capital (leverage) ratio | 11.1209% | 2,477 |
| Tier 1 risk-based capital ratio | 13.1765% | 3,798 |
| Total risk-based capital ratio | 14.4273% | 3,712 |
| Memoranda: | ||
| Average total assets | $1,026,832,500 | 747 |
| Average earning assets | $940,972,500 | 742 |
| Average equity | $109,451,000 | 778 |
| Average total loans | $791,849,500 | 703 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 1,399 |
| Cost of funding earning assets | 0.6010% | 2,216 |
| Net interest margin | 4.1428% | 1,435 |
| Noninterest income to average assets | 0.5384% | 2,646 |
| Noninterest expense to average assets | 2.3304% | 4,075 |
| Loan and lease loss provision to assets | 0.0795% | 2,316 |
| Net operating income to assets | 1.8481% | 526 |
| Return on assets (ROA) | 1.8650% | 507 |
| Pretax return on assets | 1.9328% | 712 |
| Return on Equity (ROE) | 17.5150% | 475 |
| Retained earnings to average equity (ytd only) | 10.7424% | 723 |
| Net charge-offs to loans | 0.0158% | 2,612 |
| Credit loss provision to net charge-offs | 653.2258% | 591 |
| Earnings coverage of net charge-offs (x) | 163.8548% | 483 |
| Efficiency ratio | 53.8814% | 4,706 |
| Assets per employee ($millions) | 5.0516% | 2,348 |
| Cash dividends to net income (ytd only)* | 38.6672% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,650 |
| Loan loss allowance to noncurrent loans | 453.1635% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.8863% | 1,698 |
| Noncurrent loans to loans | 0.3152% | 3,577 |
| Net loans and leases to total assets | 74.7823% | 1,820 |
| Net loans and leases to deposits | 89.6227% | 1,893 |
| Net loans and leases to core deposits | 95.6117% | 2,095 |
| Total domestic deposits to total assets | 83.4413% | 3,268 |
| Equity capital to assets | 10.5034% | 3,115 |
| Core capital (leverage) ratio | 11.1896% | 2,355 |
| Tier 1 risk-based capital ratio | 12.9207% | 3,940 |
| Total risk-based capital ratio | 14.1715% | 3,861 |
| Memoranda: | ||
| Average total assets | $1,018,641,330 | 752 |
| Average earning assets | $931,055,000 | 751 |
| Average equity | $108,467,330 | 785 |
| Average total loans | $784,941,670 | 708 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7169% | 1,270 |
| Cost of funding earning assets | 0.5821% | 2,157 |
| Net interest margin | 4.1348% | 1,356 |
| Noninterest income to average assets | 0.5318% | 2,622 |
| Noninterest expense to average assets | 2.3427% | 4,075 |
| Loan and lease loss provision to assets | 0.0806% | 2,174 |
| Net operating income to assets | 1.8088% | 555 |
| Return on assets (ROA) | 1.8436% | 520 |
| Pretax return on assets | 1.9078% | 712 |
| Return on Equity (ROE) | 17.1912% | 492 |
| Retained earnings to average equity (ytd only) | 10.6808% | 969 |
| Net charge-offs to loans | 0.0257% | 1,988 |
| Credit loss provision to net charge-offs | 404.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 97.8800% | 622 |
| Efficiency ratio | 54.5421% | 4,740 |
| Assets per employee ($millions) | 4.6235% | 2,976 |
| Cash dividends to net income (ytd only)* | 37.8706% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 1,728 |
| Loan loss allowance to noncurrent loans | 445.2087% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 1,702 |
| Noncurrent loans to loans | 0.3214% | 3,612 |
| Net loans and leases to total assets | 76.1769% | 1,507 |
| Net loans and leases to deposits | 89.0986% | 1,799 |
| Net loans and leases to core deposits | 105.6004% | 1,266 |
| Total domestic deposits to total assets | 85.4973% | 2,754 |
| Equity capital to assets | 10.6621% | 2,907 |
| Core capital (leverage) ratio | 10.9565% | 2,486 |
| Tier 1 risk-based capital ratio | 13.0341% | 3,930 |
| Total risk-based capital ratio | 14.2852% | 3,844 |
| Memoranda: | ||
| Average total assets | $1,002,598,500 | 760 |
| Average earning assets | $912,554,500 | 766 |
| Average equity | $107,520,000 | 787 |
| Average total loans | $778,839,500 | 713 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 1,391 |
| Cost of funding earning assets | 0.5334% | 2,082 |
| Net interest margin | 4.0797% | 1,507 |
| Noninterest income to average assets | 0.1873% | 5,022 |
| Noninterest expense to average assets | 2.3451% | 4,221 |
| Loan and lease loss provision to assets | 0.0818% | 2,562 |
| Net operating income to assets | 1.4273% | 960 |
| Return on assets (ROA) | 1.4259% | 978 |
| Pretax return on assets | 1.4578% | 1,788 |
| Return on Equity (ROE) | 13.5674% | 837 |
| Retained earnings to average equity (ytd only) | 7.2057% | 1,007 |
| Net charge-offs to loans | -0.0126% | 4,848 |
| Credit loss provision to net charge-offs | -875.0000% | 5,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3451% | 4,208 |
| Assets per employee ($millions) | 4.7495% | 2,802 |
| Cash dividends to net income (ytd only)* | 46.8895% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 1,669 |
| Loan loss allowance to noncurrent loans | 427.2727% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.9455% | 1,644 |
| Noncurrent loans to loans | 0.3335% | 3,573 |
| Net loans and leases to total assets | 76.9767% | 1,436 |
| Net loans and leases to deposits | 89.1499% | 1,870 |
| Net loans and leases to core deposits | 101.4552% | 1,591 |
| Total domestic deposits to total assets | 86.3453% | 2,298 |
| Equity capital to assets | 10.7874% | 2,853 |
| Core capital (leverage) ratio | 10.7011% | 2,647 |
| Tier 1 risk-based capital ratio | 12.7383% | 4,070 |
| Total risk-based capital ratio | 13.9893% | 3,966 |
| Memoranda: | ||
| Average total assets | $984,153,200 | 755 |
| Average earning assets | $892,281,600 | 760 |
| Average equity | $103,431,400 | 798 |
| Average total loans | $732,783,200 | 721 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5484% | 1,506 |
| Cost of funding earning assets | 0.5301% | 2,033 |
| Net interest margin | 4.0183% | 1,641 |
| Noninterest income to average assets | 0.1259% | 5,372 |
| Noninterest expense to average assets | 2.3181% | 4,251 |
| Loan and lease loss provision to assets | 0.0820% | 2,453 |
| Net operating income to assets | 1.3402% | 1,220 |
| Return on assets (ROA) | 1.3403% | 1,246 |
| Pretax return on assets | 1.3658% | 2,232 |
| Return on Equity (ROE) | 12.8389% | 1,090 |
| Retained earnings to average equity (ytd only) | 6.4207% | 1,998 |
| Net charge-offs to loans | 0.0133% | 3,263 |
| Credit loss provision to net charge-offs | 838.8889% | 418 |
| Earnings coverage of net charge-offs (x) | 148.0935% | 543 |
| Efficiency ratio | 61.5568% | 3,945 |
| Assets per employee ($millions) | 4.7556% | 2,753 |
| Cash dividends to net income (ytd only)* | 49.9899% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 1,858 |
| Loan loss allowance to noncurrent loans | 333.5415% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 1.0718% | 1,562 |
| Noncurrent loans to loans | 0.4217% | 3,438 |
| Net loans and leases to total assets | 75.3228% | 1,705 |
| Net loans and leases to deposits | 88.0596% | 2,054 |
| Net loans and leases to core deposits | 101.6079% | 1,572 |
| Total domestic deposits to total assets | 85.5362% | 2,504 |
| Equity capital to assets | 10.6089% | 3,256 |
| Core capital (leverage) ratio | 10.6227% | 2,856 |
| Tier 1 risk-based capital ratio | 12.6562% | 4,233 |
| Total risk-based capital ratio | 13.9069% | 4,121 |
| Memoranda: | ||
| Average total assets | $982,031,500 | 755 |
| Average earning assets | $889,575,750 | 766 |
| Average equity | $102,519,250 | 802 |
| Average total loans | $722,192,250 | 729 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4907% | 1,538 |
| Cost of funding earning assets | 0.5231% | 1,979 |
| Net interest margin | 3.9676% | 1,719 |
| Noninterest income to average assets | -0.1090% | 5,759 |
| Noninterest expense to average assets | 2.3319% | 4,260 |
| Loan and lease loss provision to assets | 0.0824% | 2,340 |
| Net operating income to assets | 1.0605% | 2,165 |
| Return on assets (ROA) | 1.0607% | 2,203 |
| Pretax return on assets | 1.0641% | 3,322 |
| Return on Equity (ROE) | 10.2162% | 1,947 |
| Retained earnings to average equity (ytd only) | 3.7363% | 3,476 |
| Net charge-offs to loans | -0.0020% | 4,182 |
| Credit loss provision to net charge-offs | -5,757.1429% | 5,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0429% | 3,177 |
| Assets per employee ($millions) | 4.7420% | 2,732 |
| Cash dividends to net income (ytd only)* | 63.4278% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 1,785 |
| Loan loss allowance to noncurrent loans | 300.0284% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 1.1340% | 1,527 |
| Noncurrent loans to loans | 0.4792% | 3,312 |
| Net loans and leases to total assets | 74.8225% | 1,727 |
| Net loans and leases to deposits | 88.6138% | 1,907 |
| Net loans and leases to core deposits | 94.9318% | 2,074 |
| Total domestic deposits to total assets | 84.4366% | 3,035 |
| Equity capital to assets | 10.5781% | 3,255 |
| Core capital (leverage) ratio | 10.3320% | 3,101 |
| Tier 1 risk-based capital ratio | 12.8755% | 4,076 |
| Total risk-based capital ratio | 14.1269% | 3,990 |
| Memoranda: | ||
| Average total assets | $978,068,670 | 764 |
| Average earning assets | $884,308,000 | 777 |
| Average equity | $101,544,330 | 814 |
| Average total loans | $709,813,670 | 740 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4006% | 1,645 |
| Cost of funding earning assets | 0.5020% | 2,069 |
| Net interest margin | 3.8986% | 1,783 |
| Noninterest income to average assets | 0.5731% | 2,548 |
| Noninterest expense to average assets | 2.3229% | 4,346 |
| Loan and lease loss provision to assets | 0.0818% | 2,182 |
| Net operating income to assets | 1.6392% | 625 |
| Return on assets (ROA) | 1.6392% | 641 |
| Pretax return on assets | 1.6839% | 1,040 |
| Return on Equity (ROE) | 15.9364% | 534 |
| Retained earnings to average equity (ytd only) | 9.4314% | 937 |
| Net charge-offs to loans | -0.0241% | 4,837 |
| Credit loss provision to net charge-offs | -478.5714% | 4,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8146% | 4,854 |
| Assets per employee ($millions) | 4.6476% | 2,928 |
| Cash dividends to net income (ytd only)* | 40.8189% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,784 |
| Loan loss allowance to noncurrent loans | 362.8142% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 1.7366% | 846 |
| Noncurrent loans to loans | 0.4061% | 3,635 |
| Net loans and leases to total assets | 69.8643% | 2,409 |
| Net loans and leases to deposits | 81.0029% | 2,621 |
| Net loans and leases to core deposits | 87.9598% | 2,551 |
| Total domestic deposits to total assets | 86.2492% | 2,556 |
| Equity capital to assets | 10.2953% | 3,412 |
| Core capital (leverage) ratio | 10.1602% | 3,302 |
| Tier 1 risk-based capital ratio | 13.2058% | 3,944 |
| Total risk-based capital ratio | 14.4572% | 3,864 |
| Memoranda: | ||
| Average total assets | $983,421,500 | 762 |
| Average earning assets | $886,783,500 | 774 |
| Average equity | $101,152,000 | 815 |
| Average total loans | $697,539,000 | 749 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4887% | 1,567 |
| Cost of funding earning assets | 0.5167% | 1,966 |
| Net interest margin | 3.9719% | 1,724 |
| Noninterest income to average assets | 0.4743% | 3,387 |
| Noninterest expense to average assets | 2.5244% | 3,943 |
| Loan and lease loss provision to assets | 0.0690% | 2,974 |
| Net operating income to assets | 1.4372% | 945 |
| Return on assets (ROA) | 1.4233% | 987 |
| Pretax return on assets | 1.4250% | 1,839 |
| Return on Equity (ROE) | 13.4610% | 889 |
| Retained earnings to average equity (ytd only) | 5.3820% | 2,087 |
| Net charge-offs to loans | 0.0449% | 3,142 |
| Credit loss provision to net charge-offs | 214.2857% | 1,324 |
| Earnings coverage of net charge-offs (x) | 46.8007% | 1,054 |
| Efficiency ratio | 62.6042% | 4,161 |
| Assets per employee ($millions) | 4.6079% | 2,946 |
| Cash dividends to net income (ytd only)* | 60.0181% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,793 |
| Loan loss allowance to noncurrent loans | 325.9878% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 1.8021% | 817 |
| Noncurrent loans to loans | 0.4513% | 3,532 |
| Net loans and leases to total assets | 69.9073% | 2,486 |
| Net loans and leases to deposits | 83.1214% | 2,524 |
| Net loans and leases to core deposits | 94.8479% | 2,024 |
| Total domestic deposits to total assets | 84.1026% | 3,386 |
| Equity capital to assets | 10.2759% | 3,419 |
| Core capital (leverage) ratio | 10.5243% | 2,855 |
| Tier 1 risk-based capital ratio | 13.0228% | 4,059 |
| Total risk-based capital ratio | 14.2741% | 3,969 |
| Memoranda: | ||
| Average total assets | $934,193,600 | 771 |
| Average earning assets | $836,844,000 | 789 |
| Average equity | $98,774,200 | 799 |
| Average total loans | $670,757,000 | 739 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 1,556 |
| Cost of funding earning assets | 0.5269% | 1,893 |
| Net interest margin | 3.9680% | 1,760 |
| Noninterest income to average assets | 0.4510% | 3,553 |
| Noninterest expense to average assets | 2.5215% | 3,919 |
| Loan and lease loss provision to assets | 0.0699% | 2,817 |
| Net operating income to assets | 1.4080% | 1,057 |
| Return on assets (ROA) | 1.4080% | 1,107 |
| Pretax return on assets | 1.4103% | 2,006 |
| Return on Equity (ROE) | 13.2192% | 991 |
| Retained earnings to average equity (ytd only) | 4.8802% | 2,906 |
| Net charge-offs to loans | 0.0569% | 2,554 |
| Credit loss provision to net charge-offs | 170.7746% | 1,631 |
| Earnings coverage of net charge-offs (x) | 36.1476% | 1,315 |
| Efficiency ratio | 63.0094% | 4,073 |
| Assets per employee ($millions) | 4.3755% | 3,293 |
| Cash dividends to net income (ytd only)* | 63.0825% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 1,911 |
| Loan loss allowance to noncurrent loans | 318.4278% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 1.9811% | 790 |
| Noncurrent loans to loans | 0.4599% | 3,636 |
| Net loans and leases to total assets | 72.5666% | 2,101 |
| Net loans and leases to deposits | 88.3122% | 1,979 |
| Net loans and leases to core deposits | 104.1262% | 1,335 |
| Total domestic deposits to total assets | 82.1705% | 3,892 |
| Equity capital to assets | 10.8651% | 3,183 |
| Core capital (leverage) ratio | 10.5362% | 2,954 |
| Tier 1 risk-based capital ratio | 13.0957% | 4,100 |
| Total risk-based capital ratio | 14.3470% | 4,011 |
| Memoranda: | ||
| Average total assets | $924,676,750 | 778 |
| Average earning assets | $827,423,250 | 798 |
| Average equity | $98,490,500 | 805 |
| Average total loans | $665,989,000 | 746 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 1,693 |
| Cost of funding earning assets | 0.5358% | 1,819 |
| Net interest margin | 3.9094% | 1,949 |
| Noninterest income to average assets | 0.3984% | 3,878 |
| Noninterest expense to average assets | 2.5456% | 3,898 |
| Loan and lease loss provision to assets | 0.0702% | 2,734 |
| Net operating income to assets | 1.2753% | 1,347 |
| Return on assets (ROA) | 1.2753% | 1,461 |
| Pretax return on assets | 1.2788% | 2,488 |
| Return on Equity (ROE) | 12.0542% | 1,296 |
| Retained earnings to average equity (ytd only) | 3.4587% | 3,691 |
| Net charge-offs to loans | 0.0388% | 2,678 |
| Credit loss provision to net charge-offs | 253.1250% | 1,088 |
| Earnings coverage of net charge-offs (x) | 48.6719% | 1,012 |
| Efficiency ratio | 65.3639% | 3,782 |
| Assets per employee ($millions) | 4.4077% | 3,204 |
| Cash dividends to net income (ytd only)* | 71.3073% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 1,941 |
| Loan loss allowance to noncurrent loans | 319.2848% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 2.0190% | 813 |
| Noncurrent loans to loans | 0.4635% | 3,707 |
| Net loans and leases to total assets | 71.5773% | 2,234 |
| Net loans and leases to deposits | 90.6311% | 1,681 |
| Net loans and leases to core deposits | 106.5932% | 1,130 |
| Total domestic deposits to total assets | 78.9765% | 4,793 |
| Equity capital to assets | 10.7005% | 3,397 |
| Core capital (leverage) ratio | 10.4915% | 2,985 |
| Tier 1 risk-based capital ratio | 12.6595% | 4,415 |
| Total risk-based capital ratio | 13.9106% | 4,315 |
| Memoranda: | ||
| Average total assets | $923,699,000 | 779 |
| Average earning assets | $826,053,670 | 799 |
| Average equity | $97,725,330 | 810 |
| Average total loans | $660,272,000 | 749 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 1,983 |
| Cost of funding earning assets | 0.5470% | 1,740 |
| Net interest margin | 3.7972% | 2,293 |
| Noninterest income to average assets | 0.5505% | 2,801 |
| Noninterest expense to average assets | 2.5502% | 3,908 |
| Loan and lease loss provision to assets | 0.0717% | 2,521 |
| Net operating income to assets | 1.3184% | 1,211 |
| Return on assets (ROA) | 1.3184% | 1,291 |
| Pretax return on assets | 1.3253% | 2,201 |
| Return on Equity (ROE) | 12.5334% | 1,145 |
| Retained earnings to average equity (ytd only) | 3.8583% | 3,571 |
| Net charge-offs to loans | 0.0821% | 1,673 |
| Credit loss provision to net charge-offs | 123.1343% | 1,419 |
| Earnings coverage of net charge-offs (x) | 23.9925% | 1,346 |
| Efficiency ratio | 64.6081% | 4,031 |
| Assets per employee ($millions) | 4.5146% | 3,043 |
| Cash dividends to net income (ytd only)* | 69.2156% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 2,086 |
| Loan loss allowance to noncurrent loans | 300.3971% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 2.1297% | 789 |
| Noncurrent loans to loans | 0.4913% | 3,705 |
| Net loans and leases to total assets | 69.9112% | 2,353 |
| Net loans and leases to deposits | 89.3455% | 1,654 |
| Net loans and leases to core deposits | 103.2564% | 1,246 |
| Total domestic deposits to total assets | 78.2482% | 5,102 |
| Equity capital to assets | 10.4565% | 3,552 |
| Core capital (leverage) ratio | 10.5942% | 2,856 |
| Tier 1 risk-based capital ratio | 12.8357% | 4,370 |
| Total risk-based capital ratio | 14.0869% | 4,282 |
| Memoranda: | ||
| Average total assets | $920,539,500 | 785 |
| Average earning assets | $823,454,500 | 809 |
| Average equity | $96,829,500 | 815 |
| Average total loans | $652,567,000 | 757 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 1,221 |
| Cost of funding earning assets | 0.5780% | 1,516 |
| Net interest margin | 4.0688% | 1,489 |
| Noninterest income to average assets | 0.3503% | 4,399 |
| Noninterest expense to average assets | 2.5701% | 4,023 |
| Loan and lease loss provision to assets | 0.0563% | 3,184 |
| Net operating income to assets | 1.2832% | 1,307 |
| Return on assets (ROA) | 1.1895% | 1,664 |
| Pretax return on assets | 1.2301% | 2,544 |
| Return on Equity (ROE) | 11.1272% | 1,573 |
| Retained earnings to average equity (ytd only) | 2.6504% | 4,182 |
| Net charge-offs to loans | -0.0040% | 4,939 |
| Credit loss provision to net charge-offs | -1,992.0000% | 5,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0146% | 4,083 |
| Assets per employee ($millions) | 4.2954% | 3,391 |
| Cash dividends to net income (ytd only)* | 76.1810% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 1,843 |
| Loan loss allowance to noncurrent loans | 92.7882% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 3.0343% | 430 |
| Noncurrent loans to loans | 1.6540% | 1,379 |
| Net loans and leases to total assets | 69.7310% | 2,410 |
| Net loans and leases to deposits | 86.8548% | 2,021 |
| Net loans and leases to core deposits | 100.3417% | 1,481 |
| Total domestic deposits to total assets | 80.2846% | 4,669 |
| Equity capital to assets | 10.5836% | 3,270 |
| Core capital (leverage) ratio | 10.6493% | 2,772 |
| Tier 1 risk-based capital ratio | 12.9100% | 4,382 |
| Total risk-based capital ratio | 14.1613% | 4,271 |
| Memoranda: | ||
| Average total assets | $884,504,400 | 779 |
| Average earning assets | $783,228,800 | 808 |
| Average equity | $94,551,800 | 804 |
| Average total loans | $624,573,200 | 751 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6193% | 1,285 |
| Cost of funding earning assets | 0.5852% | 1,502 |
| Net interest margin | 4.0342% | 1,600 |
| Noninterest income to average assets | 0.3090% | 4,726 |
| Noninterest expense to average assets | 2.5356% | 4,093 |
| Loan and lease loss provision to assets | 0.0730% | 2,707 |
| Net operating income to assets | 1.2092% | 1,619 |
| Return on assets (ROA) | 1.0848% | 2,162 |
| Pretax return on assets | 1.1354% | 3,071 |
| Return on Equity (ROE) | 10.1224% | 2,057 |
| Retained earnings to average equity (ytd only) | 1.2665% | 5,212 |
| Net charge-offs to loans | -0.0037% | 4,775 |
| Credit loss provision to net charge-offs | -2,835.2941% | 5,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4595% | 3,981 |
| Assets per employee ($millions) | 4.2615% | 3,398 |
| Cash dividends to net income (ytd only)* | 87.4877% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,960 |
| Loan loss allowance to noncurrent loans | 57.1805% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 3.9340% | 304 |
| Noncurrent loans to loans | 2.7138% | 703 |
| Net loans and leases to total assets | 70.6150% | 2,297 |
| Net loans and leases to deposits | 87.9616% | 1,906 |
| Net loans and leases to core deposits | 100.9575% | 1,443 |
| Total domestic deposits to total assets | 80.2794% | 4,677 |
| Equity capital to assets | 10.8391% | 3,203 |
| Core capital (leverage) ratio | 10.4077% | 3,158 |
| Tier 1 risk-based capital ratio | 12.9161% | 4,476 |
| Total risk-based capital ratio | 14.1678% | 4,397 |
| Memoranda: | ||
| Average total assets | $880,121,750 | 790 |
| Average earning assets | $777,668,000 | 822 |
| Average equity | $94,322,750 | 815 |
| Average total loans | $621,016,000 | 761 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6157% | 1,245 |
| Cost of funding earning assets | 0.5874% | 1,504 |
| Net interest margin | 4.0283% | 1,558 |
| Noninterest income to average assets | 0.5606% | 2,974 |
| Noninterest expense to average assets | 2.4803% | 4,298 |
| Loan and lease loss provision to assets | 0.0720% | 2,671 |
| Net operating income to assets | 1.4913% | 910 |
| Return on assets (ROA) | 1.3069% | 1,363 |
| Pretax return on assets | 1.3718% | 2,100 |
| Return on Equity (ROE) | 12.2408% | 1,302 |
| Retained earnings to average equity (ytd only) | 2.6391% | 4,378 |
| Net charge-offs to loans | 0.0084% | 3,607 |
| Credit loss provision to net charge-offs | 1,219.2308% | 293 |
| Earnings coverage of net charge-offs (x) | 277.4615% | 248 |
| Efficiency ratio | 60.2271% | 4,944 |
| Assets per employee ($millions) | 4.1159% | 3,648 |
| Cash dividends to net income (ytd only)* | 78.4399% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 2,250 |
| Loan loss allowance to noncurrent loans | 51.7981% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 4.2450% | 298 |
| Noncurrent loans to loans | 2.9167% | 696 |
| Net loans and leases to total assets | 70.4549% | 2,251 |
| Net loans and leases to deposits | 89.3909% | 1,674 |
| Net loans and leases to core deposits | 103.4396% | 1,227 |
| Total domestic deposits to total assets | 78.8167% | 5,134 |
| Equity capital to assets | 10.6761% | 3,246 |
| Core capital (leverage) ratio | 10.4978% | 2,954 |
| Tier 1 risk-based capital ratio | 13.0599% | 4,483 |
| Total risk-based capital ratio | 14.3111% | 4,397 |
| Memoranda: | ||
| Average total assets | $880,875,000 | 795 |
| Average earning assets | $777,946,670 | 825 |
| Average equity | $94,046,330 | 824 |
| Average total loans | $618,130,330 | 768 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 1,501 |
| Cost of funding earning assets | 0.6103% | 1,365 |
| Net interest margin | 3.8763% | 1,976 |
| Noninterest income to average assets | 0.6031% | 2,633 |
| Noninterest expense to average assets | 2.4760% | 4,341 |
| Loan and lease loss provision to assets | 0.0705% | 2,527 |
| Net operating income to assets | 1.4199% | 995 |
| Return on assets (ROA) | 1.0464% | 2,196 |
| Pretax return on assets | 1.0932% | 3,111 |
| Return on Equity (ROE) | 9.8005% | 2,096 |
| Retained earnings to average equity (ytd only) | 1.4451% | 4,904 |
| Net charge-offs to loans | 0.0144% | 2,881 |
| Credit loss provision to net charge-offs | 704.5455% | 429 |
| Earnings coverage of net charge-offs (x) | 155.0909% | 347 |
| Efficiency ratio | 61.4550% | 4,885 |
| Assets per employee ($millions) | 4.2251% | 3,521 |
| Cash dividends to net income (ytd only)* | 85.2545% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 2,322 |
| Loan loss allowance to noncurrent loans | 52.1373% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 4.2484% | 335 |
| Noncurrent loans to loans | 2.9359% | 758 |
| Net loans and leases to total assets | 67.5391% | 2,522 |
| Net loans and leases to deposits | 84.8031% | 1,980 |
| Net loans and leases to core deposits | 98.2788% | 1,451 |
| Total domestic deposits to total assets | 79.6423% | 5,135 |
| Equity capital to assets | 10.5853% | 3,447 |
| Core capital (leverage) ratio | 10.4390% | 3,046 |
| Tier 1 risk-based capital ratio | 13.2908% | 4,442 |
| Total risk-based capital ratio | 14.5422% | 4,352 |
| Memoranda: | ||
| Average total assets | $878,851,500 | 798 |
| Average earning assets | $776,727,000 | 826 |
| Average equity | $93,832,000 | 823 |
| Average total loans | $610,678,000 | 768 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 1,516 |
| Cost of funding earning assets | 0.6505% | 1,402 |
| Net interest margin | 3.9653% | 1,997 |
| Noninterest income to average assets | 0.2645% | 5,236 |
| Noninterest expense to average assets | 2.4534% | 4,695 |
| Loan and lease loss provision to assets | 0.1962% | 1,302 |
| Net operating income to assets | 1.1019% | 1,965 |
| Return on assets (ROA) | 1.0924% | 2,059 |
| Pretax return on assets | 1.1395% | 2,928 |
| Return on Equity (ROE) | 10.4280% | 1,940 |
| Retained earnings to average equity (ytd only) | 4.1648% | 3,233 |
| Net charge-offs to loans | 0.0010% | 4,958 |
| Credit loss provision to net charge-offs | 28,083.3333% | 7 |
| Earnings coverage of net charge-offs (x) | 1,926.1667% | 14 |
| Efficiency ratio | 64.5795% | 4,487 |
| Assets per employee ($millions) | 4.0852% | 3,755 |
| Cash dividends to net income (ytd only)* | 60.0618% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 2,342 |
| Loan loss allowance to noncurrent loans | 59.2420% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 4.1470% | 398 |
| Noncurrent loans to loans | 2.5821% | 972 |
| Net loans and leases to total assets | 69.3407% | 2,331 |
| Net loans and leases to deposits | 87.5674% | 1,785 |
| Net loans and leases to core deposits | 101.3255% | 1,291 |
| Total domestic deposits to total assets | 79.1855% | 5,208 |
| Equity capital to assets | 10.7716% | 3,153 |
| Core capital (leverage) ratio | 10.7288% | 2,694 |
| Tier 1 risk-based capital ratio | 14.0068% | 4,089 |
| Total risk-based capital ratio | 15.2590% | 4,013 |
| Memoranda: | ||
| Average total assets | $858,854,800 | 785 |
| Average earning assets | $765,537,600 | 800 |
| Average equity | $89,969,000 | 815 |
| Average total loans | $604,211,800 | 727 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6113% | 1,536 |
| Cost of funding earning assets | 0.6448% | 1,491 |
| Net interest margin | 3.9665% | 1,977 |
| Noninterest income to average assets | 0.2823% | 5,182 |
| Noninterest expense to average assets | 2.3410% | 4,993 |
| Loan and lease loss provision to assets | 0.2589% | 825 |
| Net operating income to assets | 1.1526% | 1,857 |
| Return on assets (ROA) | 1.1491% | 1,926 |
| Pretax return on assets | 1.2230% | 2,684 |
| Return on Equity (ROE) | 11.0475% | 1,773 |
| Retained earnings to average equity (ytd only) | 4.0933% | 3,736 |
| Net charge-offs to loans | -0.0097% | 5,419 |
| Credit loss provision to net charge-offs | -3,786.3636% | 6,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1768% | 5,012 |
| Assets per employee ($millions) | 3.9947% | 3,894 |
| Cash dividends to net income (ytd only)* | 62.9479% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 2,517 |
| Loan loss allowance to noncurrent loans | 60.3614% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 4.4177% | 419 |
| Noncurrent loans to loans | 2.5602% | 1,134 |
| Net loans and leases to total assets | 70.4532% | 2,124 |
| Net loans and leases to deposits | 89.2578% | 1,514 |
| Net loans and leases to core deposits | 103.3707% | 1,128 |
| Total domestic deposits to total assets | 78.9323% | 5,340 |
| Equity capital to assets | 10.8321% | 3,148 |
| Core capital (leverage) ratio | 10.5936% | 2,931 |
| Tier 1 risk-based capital ratio | 14.0487% | 4,173 |
| Total risk-based capital ratio | 15.3012% | 4,118 |
| Memoranda: | ||
| Average total assets | $858,074,000 | 787 |
| Average earning assets | $766,728,500 | 797 |
| Average equity | $89,249,000 | 824 |
| Average total loans | $603,518,000 | 728 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 1,582 |
| Cost of funding earning assets | 0.6690% | 1,388 |
| Net interest margin | 3.9126% | 2,110 |
| Noninterest income to average assets | 0.3170% | 4,874 |
| Noninterest expense to average assets | 2.2986% | 5,161 |
| Loan and lease loss provision to assets | 0.3826% | 449 |
| Net operating income to assets | 1.0592% | 2,086 |
| Return on assets (ROA) | 1.0086% | 2,354 |
| Pretax return on assets | 1.0742% | 3,197 |
| Return on Equity (ROE) | 9.8301% | 2,232 |
| Retained earnings to average equity (ytd only) | 2.8747% | 4,376 |
| Net charge-offs to loans | 0.0089% | 4,098 |
| Credit loss provision to net charge-offs | 6,114.8148% | 53 |
| Earnings coverage of net charge-offs (x) | 241.4444% | 281 |
| Efficiency ratio | 60.3443% | 5,240 |
| Assets per employee ($millions) | 4.1821% | 3,490 |
| Cash dividends to net income (ytd only)* | 70.7558% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 2,895 |
| Loan loss allowance to noncurrent loans | 100.3908% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 3.7535% | 600 |
| Noncurrent loans to loans | 1.4949% | 2,327 |
| Net loans and leases to total assets | 70.8076% | 1,946 |
| Net loans and leases to deposits | 90.5537% | 1,317 |
| Net loans and leases to core deposits | 106.5344% | 868 |
| Total domestic deposits to total assets | 78.1940% | 5,599 |
| Equity capital to assets | 10.5413% | 3,395 |
| Core capital (leverage) ratio | 10.2852% | 3,227 |
| Tier 1 risk-based capital ratio | 13.5905% | 4,537 |
| Total risk-based capital ratio | 14.8426% | 4,468 |
| Memoranda: | ||
| Average total assets | $863,136,330 | 778 |
| Average earning assets | $770,389,670 | 797 |
| Average equity | $88,564,670 | 825 |
| Average total loans | $603,636,670 | 719 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 1,824 |
| Cost of funding earning assets | 0.6795% | 1,365 |
| Net interest margin | 3.8174% | 2,395 |
| Noninterest income to average assets | 0.3773% | 4,371 |
| Noninterest expense to average assets | 2.2673% | 5,283 |
| Loan and lease loss provision to assets | 0.0716% | 2,710 |
| Net operating income to assets | 1.3524% | 1,094 |
| Return on assets (ROA) | 1.3459% | 1,152 |
| Pretax return on assets | 1.4332% | 1,628 |
| Return on Equity (ROE) | 13.2968% | 1,083 |
| Retained earnings to average equity (ytd only) | 6.4293% | 2,324 |
| Net charge-offs to loans | 0.0134% | 3,337 |
| Credit loss provision to net charge-offs | 775.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 163.6500% | 300 |
| Efficiency ratio | 59.9976% | 5,410 |
| Assets per employee ($millions) | 4.3018% | 3,336 |
| Cash dividends to net income (ytd only)* | 51.6472% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 4,261 |
| Loan loss allowance to noncurrent loans | 83.1563% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 3.8772% | 632 |
| Noncurrent loans to loans | 1.5310% | 2,510 |
| Net loans and leases to total assets | 68.1590% | 2,192 |
| Net loans and leases to deposits | 87.5084% | 1,417 |
| Net loans and leases to core deposits | 104.3367% | 839 |
| Total domestic deposits to total assets | 77.8885% | 5,850 |
| Equity capital to assets | 10.0959% | 3,729 |
| Core capital (leverage) ratio | 10.4583% | 2,979 |
| Tier 1 risk-based capital ratio | 13.7658% | 4,493 |
| Total risk-based capital ratio | 14.9704% | 4,479 |
| Memoranda: | ||
| Average total assets | $866,042,000 | 787 |
| Average earning assets | $771,734,500 | 802 |
| Average equity | $87,660,500 | 834 |
| Average total loans | $597,305,000 | 727 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6383% | 1,748 |
| Cost of funding earning assets | 0.8512% | 943 |
| Net interest margin | 3.7871% | 2,699 |
| Noninterest income to average assets | 0.1694% | 6,071 |
| Noninterest expense to average assets | 2.3909% | 5,098 |
| Loan and lease loss provision to assets | 0.0548% | 4,045 |
| Net operating income to assets | 1.0099% | 2,282 |
| Return on assets (ROA) | 1.0204% | 2,307 |
| Pretax return on assets | 1.0908% | 2,982 |
| Return on Equity (ROE) | 9.7903% | 2,199 |
| Retained earnings to average equity (ytd only) | 3.5601% | 3,681 |
| Net charge-offs to loans | 0.3170% | 2,103 |
| Credit loss provision to net charge-offs | 25.0273% | 4,348 |
| Earnings coverage of net charge-offs (x) | 5.1792% | 3,362 |
| Efficiency ratio | 67.8199% | 4,229 |
| Assets per employee ($millions) | 4.1678% | 3,506 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 4,145 |
| Loan loss allowance to noncurrent loans | 89.9705% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 4.0001% | 666 |
| Noncurrent loans to loans | 1.4451% | 2,722 |
| Net loans and leases to total assets | 68.0028% | 2,358 |
| Net loans and leases to deposits | 85.5801% | 1,738 |
| Net loans and leases to core deposits | 99.7055% | 1,178 |
| Total domestic deposits to total assets | 79.4610% | 5,563 |
| Equity capital to assets | 10.1490% | 3,570 |
| Core capital (leverage) ratio | 10.4647% | 2,953 |
| Tier 1 risk-based capital ratio | 13.7769% | 4,456 |
| Total risk-based capital ratio | 14.9805% | 4,442 |
| Memoranda: | ||
| Average total assets | $835,468,600 | 794 |
| Average earning assets | $740,353,000 | 818 |
| Average equity | $87,076,200 | 810 |
| Average total loans | $577,241,600 | 726 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 1,791 |
| Cost of funding earning assets | 0.8923% | 844 |
| Net interest margin | 3.7407% | 2,883 |
| Noninterest income to average assets | 0.3025% | 5,276 |
| Noninterest expense to average assets | 2.3599% | 5,151 |
| Loan and lease loss provision to assets | 0.0428% | 4,156 |
| Net operating income to assets | 1.1355% | 1,866 |
| Return on assets (ROA) | 1.1495% | 1,891 |
| Pretax return on assets | 1.2275% | 2,588 |
| Return on Equity (ROE) | 10.9554% | 1,835 |
| Retained earnings to average equity (ytd only) | 4.4854% | 3,478 |
| Net charge-offs to loans | 0.1869% | 2,726 |
| Credit loss provision to net charge-offs | 33.1266% | 3,838 |
| Earnings coverage of net charge-offs (x) | 9.7171% | 2,443 |
| Efficiency ratio | 65.2745% | 4,609 |
| Assets per employee ($millions) | 4.0681% | 3,701 |
| Cash dividends to net income (ytd only)* | 59.0574% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 3,675 |
| Loan loss allowance to noncurrent loans | 49.3183% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 4.8767% | 583 |
| Noncurrent loans to loans | 2.9456% | 1,383 |
| Net loans and leases to total assets | 69.8792% | 1,994 |
| Net loans and leases to deposits | 87.5598% | 1,422 |
| Net loans and leases to core deposits | 102.9639% | 937 |
| Total domestic deposits to total assets | 79.8075% | 5,559 |
| Equity capital to assets | 10.6321% | 3,126 |
| Core capital (leverage) ratio | 10.5562% | 2,947 |
| Tier 1 risk-based capital ratio | 14.1840% | 4,293 |
| Total risk-based capital ratio | 15.4356% | 4,239 |
| Memoranda: | ||
| Average total assets | $831,780,500 | 797 |
| Average earning assets | $736,638,500 | 825 |
| Average equity | $87,273,000 | 814 |
| Average total loans | $575,104,500 | 728 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 1,868 |
| Cost of funding earning assets | 0.9394% | 743 |
| Net interest margin | 3.6561% | 3,153 |
| Noninterest income to average assets | 0.3003% | 5,304 |
| Noninterest expense to average assets | 2.3474% | 5,219 |
| Loan and lease loss provision to assets | 0.0426% | 4,107 |
| Net operating income to assets | 1.0723% | 2,029 |
| Return on assets (ROA) | 1.0933% | 2,063 |
| Pretax return on assets | 1.1677% | 2,811 |
| Return on Equity (ROE) | 10.4653% | 2,023 |
| Retained earnings to average equity (ytd only) | 3.9660% | 3,767 |
| Net charge-offs to loans | 0.0402% | 4,115 |
| Credit loss provision to net charge-offs | 154.7826% | 1,492 |
| Earnings coverage of net charge-offs (x) | 43.1391% | 880 |
| Efficiency ratio | 66.3957% | 4,475 |
| Assets per employee ($millions) | 3.9791% | 3,853 |
| Cash dividends to net income (ytd only)* | 62.1030% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 3,269 |
| Loan loss allowance to noncurrent loans | 93.8037% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 4.0978% | 841 |
| Noncurrent loans to loans | 1.6737% | 2,803 |
| Net loans and leases to total assets | 69.0191% | 2,062 |
| Net loans and leases to deposits | 86.3913% | 1,538 |
| Net loans and leases to core deposits | 102.5516% | 912 |
| Total domestic deposits to total assets | 79.8913% | 5,631 |
| Equity capital to assets | 10.5281% | 3,261 |
| Core capital (leverage) ratio | 10.3036% | 3,095 |
| Tier 1 risk-based capital ratio | 13.9239% | 4,473 |
| Total risk-based capital ratio | 15.1767% | 4,438 |
| Memoranda: | ||
| Average total assets | $835,121,000 | 796 |
| Average earning assets | $738,991,000 | 821 |
| Average equity | $87,240,670 | 812 |
| Average total loans | $572,571,330 | 730 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 2,274 |
| Cost of funding earning assets | 0.9849% | 665 |
| Net interest margin | 3.4864% | 3,760 |
| Noninterest income to average assets | 0.1280% | 6,457 |
| Noninterest expense to average assets | 2.2558% | 5,553 |
| Loan and lease loss provision to assets | 0.0423% | 3,897 |
| Net operating income to assets | 0.8528% | 2,890 |
| Return on assets (ROA) | 0.8430% | 3,077 |
| Pretax return on assets | 0.9010% | 3,760 |
| Return on Equity (ROE) | 8.1004% | 2,924 |
| Retained earnings to average equity (ytd only) | 1.3805% | 5,289 |
| Net charge-offs to loans | -0.1144% | 6,502 |
| Credit loss provision to net charge-offs | -54.6012% | 5,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2831% | 3,923 |
| Assets per employee ($millions) | 4.3655% | 3,211 |
| Cash dividends to net income (ytd only)* | 82.9571% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6116% | 3,352 |
| Loan loss allowance to noncurrent loans | 83.6058% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 4.1878% | 919 |
| Noncurrent loans to loans | 1.9276% | 2,704 |
| Net loans and leases to total assets | 66.0427% | 2,361 |
| Net loans and leases to deposits | 83.4036% | 1,653 |
| Net loans and leases to core deposits | 101.7760% | 838 |
| Total domestic deposits to total assets | 79.1845% | 5,928 |
| Equity capital to assets | 10.3583% | 3,723 |
| Core capital (leverage) ratio | 10.3442% | 2,976 |
| Tier 1 risk-based capital ratio | 13.7093% | 4,713 |
| Total risk-based capital ratio | 14.9624% | 4,676 |
| Memoranda: | ||
| Average total assets | $840,840,000 | 796 |
| Average earning assets | $743,225,000 | 824 |
| Average equity | $87,502,000 | 820 |
| Average total loans | $570,073,500 | 737 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8707% | 1,946 |
| Cost of funding earning assets | 1.2206% | 525 |
| Net interest margin | 3.6501% | 3,875 |
| Noninterest income to average assets | 0.4682% | 4,112 |
| Noninterest expense to average assets | 2.3660% | 5,508 |
| Loan and lease loss provision to assets | 0.1877% | 3,295 |
| Net operating income to assets | 1.0789% | 2,012 |
| Return on assets (ROA) | 0.9284% | 2,909 |
| Pretax return on assets | 0.9902% | 3,579 |
| Return on Equity (ROE) | 9.2793% | 2,500 |
| Retained earnings to average equity (ytd only) | 1.5999% | 5,071 |
| Net charge-offs to loans | 0.3256% | 3,020 |
| Credit loss provision to net charge-offs | 83.1756% | 3,727 |
| Earnings coverage of net charge-offs (x) | 5.9285% | 2,913 |
| Efficiency ratio | 63.8763% | 4,906 |
| Assets per employee ($millions) | 4.1509% | 3,646 |
| Cash dividends to net income (ytd only)* | 82.7582% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 3,363 |
| Loan loss allowance to noncurrent loans | 93.4122% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 4.4064% | 947 |
| Noncurrent loans to loans | 1.7036% | 3,062 |
| Net loans and leases to total assets | 67.4058% | 2,296 |
| Net loans and leases to deposits | 86.3693% | 1,466 |
| Net loans and leases to core deposits | 107.3806% | 634 |
| Total domestic deposits to total assets | 78.0438% | 6,070 |
| Equity capital to assets | 10.4565% | 3,576 |
| Core capital (leverage) ratio | 9.9532% | 3,463 |
| Tier 1 risk-based capital ratio | 13.5445% | 4,719 |
| Total risk-based capital ratio | 14.7975% | 4,665 |
| Memoranda: | ||
| Average total assets | $842,722,200 | 778 |
| Average earning assets | $747,080,000 | 797 |
| Average equity | $84,316,800 | 832 |
| Average total loans | $584,074,800 | 708 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 1,952 |
| Cost of funding earning assets | 1.2743% | 492 |
| Net interest margin | 3.6411% | 4,050 |
| Noninterest income to average assets | 0.5490% | 3,621 |
| Noninterest expense to average assets | 2.3544% | 5,535 |
| Loan and lease loss provision to assets | 0.2100% | 2,970 |
| Net operating income to assets | 1.1419% | 1,942 |
| Return on assets (ROA) | 0.9210% | 3,098 |
| Pretax return on assets | 0.9819% | 3,783 |
| Return on Equity (ROE) | 9.3074% | 2,672 |
| Retained earnings to average equity (ytd only) | 0.7875% | 5,843 |
| Net charge-offs to loans | 0.3450% | 2,726 |
| Credit loss provision to net charge-offs | 87.5903% | 3,377 |
| Earnings coverage of net charge-offs (x) | 5.9514% | 2,886 |
| Efficiency ratio | 62.2632% | 5,110 |
| Assets per employee ($millions) | 4.0845% | 3,711 |
| Cash dividends to net income (ytd only)* | 91.5384% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 3,588 |
| Loan loss allowance to noncurrent loans | 89.5842% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 4.6616% | 978 |
| Noncurrent loans to loans | 1.7675% | 3,132 |
| Net loans and leases to total assets | 69.1525% | 2,080 |
| Net loans and leases to deposits | 86.7187% | 1,516 |
| Net loans and leases to core deposits | 103.7531% | 878 |
| Total domestic deposits to total assets | 79.7435% | 5,719 |
| Equity capital to assets | 10.4854% | 3,861 |
| Core capital (leverage) ratio | 9.7037% | 3,953 |
| Tier 1 risk-based capital ratio | 13.1973% | 5,096 |
| Total risk-based capital ratio | 14.4503% | 5,061 |
| Memoranda: | ||
| Average total assets | $846,894,250 | 782 |
| Average earning assets | $751,851,500 | 802 |
| Average equity | $83,802,500 | 837 |
| Average total loans | $588,643,750 | 704 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9090% | 2,074 |
| Cost of funding earning assets | 1.3217% | 473 |
| Net interest margin | 3.5873% | 4,317 |
| Noninterest income to average assets | 0.3750% | 4,837 |
| Noninterest expense to average assets | 2.2980% | 5,746 |
| Loan and lease loss provision to assets | 0.3095% | 2,131 |
| Net operating income to assets | 0.9004% | 2,906 |
| Return on assets (ROA) | 0.5872% | 4,682 |
| Pretax return on assets | 0.6258% | 5,049 |
| Return on Equity (ROE) | 6.0500% | 4,302 |
| Retained earnings to average equity (ytd only) | -3.9474% | 6,546 |
| Net charge-offs to loans | 0.1256% | 3,925 |
| Credit loss provision to net charge-offs | 355.9140% | 824 |
| Earnings coverage of net charge-offs (x) | 14.5860% | 1,707 |
| Efficiency ratio | 64.4337% | 4,811 |
| Assets per employee ($millions) | 4.1649% | 3,530 |
| Cash dividends to net income (ytd only)* | 165.2468% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 3,199 |
| Loan loss allowance to noncurrent loans | 50.5386% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 5.0802% | 934 |
| Noncurrent loans to loans | 3.3777% | 1,716 |
| Net loans and leases to total assets | 69.6287% | 1,979 |
| Net loans and leases to deposits | 90.2063% | 1,126 |
| Net loans and leases to core deposits | 107.1026% | 697 |
| Total domestic deposits to total assets | 77.1883% | 6,298 |
| Equity capital to assets | 9.8089% | 4,613 |
| Core capital (leverage) ratio | 9.3449% | 4,383 |
| Tier 1 risk-based capital ratio | 12.4610% | 5,597 |
| Total risk-based capital ratio | 13.7157% | 5,574 |
| Memoranda: | ||
| Average total assets | $855,529,000 | 776 |
| Average earning assets | $761,136,670 | 789 |
| Average equity | $83,042,000 | 836 |
| Average total loans | $592,568,670 | 696 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 1,888 |
| Cost of funding earning assets | 1.3630% | 485 |
| Net interest margin | 3.6365% | 4,104 |
| Noninterest income to average assets | 0.3099% | 5,407 |
| Noninterest expense to average assets | 2.2864% | 5,802 |
| Loan and lease loss provision to assets | 0.0722% | 4,499 |
| Net operating income to assets | 1.1206% | 1,988 |
| Return on assets (ROA) | 1.0763% | 2,368 |
| Pretax return on assets | 1.1439% | 3,143 |
| Return on Equity (ROE) | 11.1469% | 1,962 |
| Retained earnings to average equity (ytd only) | -3.0401% | 6,401 |
| Net charge-offs to loans | 0.1646% | 3,103 |
| Credit loss provision to net charge-offs | 64.0496% | 3,036 |
| Earnings coverage of net charge-offs (x) | 11.2025% | 1,690 |
| Efficiency ratio | 64.4132% | 4,850 |
| Assets per employee ($millions) | 4.3071% | 3,383 |
| Cash dividends to net income (ytd only)* | 127.2727% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 3,874 |
| Loan loss allowance to noncurrent loans | 84.6845% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 4.1372% | 1,323 |
| Noncurrent loans to loans | 1.8467% | 3,347 |
| Net loans and leases to total assets | 67.8122% | 2,147 |
| Net loans and leases to deposits | 86.1770% | 1,400 |
| Net loans and leases to core deposits | 101.6707% | 879 |
| Total domestic deposits to total assets | 78.6894% | 6,150 |
| Equity capital to assets | 9.6622% | 4,573 |
| Core capital (leverage) ratio | 9.3141% | 4,338 |
| Tier 1 risk-based capital ratio | 12.6174% | 5,504 |
| Total risk-based capital ratio | 13.8714% | 5,473 |
| Memoranda: | ||
| Average total assets | $858,474,000 | 773 |
| Average earning assets | $764,799,500 | 788 |
| Average equity | $82,893,000 | 833 |
| Average total loans | $587,919,500 | 701 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9985% | 2,887 |
| Cost of funding earning assets | 1.5747% | 524 |
| Net interest margin | 3.4237% | 5,411 |
| Noninterest income to average assets | 0.5277% | 3,663 |
| Noninterest expense to average assets | 2.3639% | 5,868 |
| Loan and lease loss provision to assets | 0.1424% | 4,834 |
| Net operating income to assets | 1.0277% | 2,098 |
| Return on assets (ROA) | 1.1620% | 1,738 |
| Pretax return on assets | 1.2337% | 2,344 |
| Return on Equity (ROE) | 12.6068% | 1,258 |
| Retained earnings to average equity (ytd only) | 6.9877% | 1,512 |
| Net charge-offs to loans | 0.1533% | 4,910 |
| Credit loss provision to net charge-offs | 135.0112% | 2,228 |
| Earnings coverage of net charge-offs (x) | 11.6890% | 1,694 |
| Efficiency ratio | 65.7175% | 4,828 |
| Assets per employee ($millions) | 4.3207% | 3,217 |
| Cash dividends to net income (ytd only)* | 44.5720% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 3,617 |
| Loan loss allowance to noncurrent loans | 338.4029% | 988 |
| Noncurrent assets plus other real estate owned to assets | 3.0396% | 1,975 |
| Noncurrent loans to loans | 0.4706% | 5,771 |
| Net loans and leases to total assets | 66.9960% | 2,588 |
| Net loans and leases to deposits | 85.1868% | 1,778 |
| Net loans and leases to core deposits | 98.0584% | 1,327 |
| Total domestic deposits to total assets | 78.6460% | 6,060 |
| Equity capital to assets | 9.6495% | 4,674 |
| Core capital (leverage) ratio | 9.6822% | 3,762 |
| Tier 1 risk-based capital ratio | 12.9877% | 5,077 |
| Total risk-based capital ratio | 14.2409% | 5,053 |
| Memoranda: | ||
| Average total assets | $847,396,600 | 769 |
| Average earning assets | $759,693,800 | 779 |
| Average equity | $78,108,400 | 861 |
| Average total loans | $583,042,600 | 722 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0333% | 2,918 |
| Cost of funding earning assets | 1.6456% | 487 |
| Net interest margin | 3.3876% | 5,609 |
| Noninterest income to average assets | 0.6611% | 2,817 |
| Noninterest expense to average assets | 2.5754% | 5,169 |
| Loan and lease loss provision to assets | 0.1402% | 4,686 |
| Net operating income to assets | 0.9298% | 2,622 |
| Return on assets (ROA) | 1.1078% | 2,081 |
| Pretax return on assets | 1.1760% | 2,711 |
| Return on Equity (ROE) | 12.1637% | 1,502 |
| Retained earnings to average equity (ytd only) | 6.3740% | 2,310 |
| Net charge-offs to loans | 0.1650% | 4,469 |
| Credit loss provision to net charge-offs | 123.1623% | 2,622 |
| Earnings coverage of net charge-offs (x) | 9.8974% | 1,991 |
| Efficiency ratio | 69.5615% | 4,028 |
| Assets per employee ($millions) | 4.1603% | 3,520 |
| Cash dividends to net income (ytd only)* | 47.5980% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 3,776 |
| Loan loss allowance to noncurrent loans | 399.6517% | 809 |
| Noncurrent assets plus other real estate owned to assets | 3.1964% | 1,999 |
| Noncurrent loans to loans | 0.3941% | 6,067 |
| Net loans and leases to total assets | 69.3001% | 2,219 |
| Net loans and leases to deposits | 89.8369% | 1,233 |
| Net loans and leases to core deposits | 106.6610% | 831 |
| Total domestic deposits to total assets | 77.1400% | 6,358 |
| Equity capital to assets | 9.8297% | 4,585 |
| Core capital (leverage) ratio | 9.3310% | 4,410 |
| Tier 1 risk-based capital ratio | 12.7024% | 5,328 |
| Total risk-based capital ratio | 13.9553% | 5,302 |
| Memoranda: | ||
| Average total assets | $844,289,250 | 782 |
| Average earning assets | $757,953,500 | 787 |
| Average equity | $76,893,250 | 881 |
| Average total loans | $582,460,250 | 730 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9847% | 3,233 |
| Cost of funding earning assets | 1.6913% | 481 |
| Net interest margin | 3.2934% | 5,878 |
| Noninterest income to average assets | 0.6155% | 3,034 |
| Noninterest expense to average assets | 2.5440% | 5,380 |
| Loan and lease loss provision to assets | 0.1586% | 4,332 |
| Net operating income to assets | 0.8214% | 2,973 |
| Return on assets (ROA) | 0.8440% | 2,983 |
| Pretax return on assets | 0.8953% | 3,630 |
| Return on Equity (ROE) | 9.5122% | 2,304 |
| Retained earnings to average equity (ytd only) | 3.1062% | 4,296 |
| Net charge-offs to loans | 0.1958% | 3,979 |
| Credit loss provision to net charge-offs | 118.2456% | 2,598 |
| Earnings coverage of net charge-offs (x) | 7.6772% | 2,188 |
| Efficiency ratio | 71.1821% | 3,904 |
| Assets per employee ($millions) | 4.1515% | 3,449 |
| Cash dividends to net income (ytd only)* | 67.3452% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 3,821 |
| Loan loss allowance to noncurrent loans | 485.4633% | 684 |
| Noncurrent assets plus other real estate owned to assets | 3.8039% | 1,705 |
| Noncurrent loans to loans | 0.3235% | 6,264 |
| Net loans and leases to total assets | 67.8063% | 2,658 |
| Net loans and leases to deposits | 86.4873% | 1,717 |
| Net loans and leases to core deposits | 107.1691% | 852 |
| Total domestic deposits to total assets | 78.4002% | 6,216 |
| Equity capital to assets | 9.1646% | 5,334 |
| Core capital (leverage) ratio | 8.9973% | 4,724 |
| Tier 1 risk-based capital ratio | 12.3385% | 5,486 |
| Total risk-based capital ratio | 13.5908% | 5,464 |
| Memoranda: | ||
| Average total assets | $849,752,670 | 782 |
| Average earning assets | $763,336,670 | 793 |
| Average equity | $75,397,670 | 896 |
| Average total loans | $582,308,670 | 740 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9201% | 3,484 |
| Cost of funding earning assets | 1.6972% | 552 |
| Net interest margin | 3.2229% | 6,002 |
| Noninterest income to average assets | 0.5527% | 3,489 |
| Noninterest expense to average assets | 2.4917% | 5,581 |
| Loan and lease loss provision to assets | 0.2175% | 3,478 |
| Net operating income to assets | 0.7071% | 3,491 |
| Return on assets (ROA) | 0.7534% | 3,319 |
| Pretax return on assets | 0.8002% | 3,898 |
| Return on Equity (ROE) | 8.6307% | 2,642 |
| Retained earnings to average equity (ytd only) | 2.2396% | 4,804 |
| Net charge-offs to loans | 0.3217% | 2,769 |
| Credit loss provision to net charge-offs | 98.9339% | 2,763 |
| Earnings coverage of net charge-offs (x) | 4.4051% | 2,485 |
| Efficiency ratio | 72.0092% | 3,864 |
| Assets per employee ($millions) | 4.3849% | 3,069 |
| Cash dividends to net income (ytd only)* | 74.0510% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 4,017 |
| Loan loss allowance to noncurrent loans | 139.8106% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 3.2626% | 2,105 |
| Noncurrent loans to loans | 1.1000% | 4,860 |
| Net loans and leases to total assets | 67.4477% | 2,669 |
| Net loans and leases to deposits | 83.3548% | 2,127 |
| Net loans and leases to core deposits | 106.2251% | 926 |
| Total domestic deposits to total assets | 80.9163% | 5,687 |
| Equity capital to assets | 8.7224% | 5,624 |
| Core capital (leverage) ratio | 8.8157% | 4,902 |
| Tier 1 risk-based capital ratio | 12.3311% | 5,415 |
| Total risk-based capital ratio | 13.5840% | 5,406 |
| Memoranda: | ||
| Average total assets | $853,247,000 | 784 |
| Average earning assets | $769,738,500 | 791 |
| Average equity | $74,478,500 | 898 |
| Average total loans | $583,181,000 | 746 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3257% | 2,996 |
| Cost of funding earning assets | 2.1460% | 367 |
| Net interest margin | 3.1797% | 6,319 |
| Noninterest income to average assets | 0.6418% | 3,200 |
| Noninterest expense to average assets | 2.5190% | 5,717 |
| Loan and lease loss provision to assets | 0.1949% | 5,284 |
| Net operating income to assets | 0.7747% | 2,902 |
| Return on assets (ROA) | 0.8748% | 2,625 |
| Pretax return on assets | 0.9022% | 3,284 |
| Return on Equity (ROE) | 10.4266% | 1,784 |
| Retained earnings to average equity (ytd only) | 1.5235% | 4,773 |
| Net charge-offs to loans | 0.2316% | 4,892 |
| Credit loss provision to net charge-offs | 122.6872% | 3,404 |
| Earnings coverage of net charge-offs (x) | 6.2570% | 2,402 |
| Efficiency ratio | 71.6999% | 3,854 |
| Assets per employee ($millions) | 4.3002% | 3,204 |
| Cash dividends to net income (ytd only)* | 85.3886% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 3,764 |
| Loan loss allowance to noncurrent loans | 128.7204% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 3.2372% | 2,182 |
| Noncurrent loans to loans | 1.2059% | 4,715 |
| Net loans and leases to total assets | 67.1365% | 3,185 |
| Net loans and leases to deposits | 83.4619% | 2,540 |
| Net loans and leases to core deposits | 115.9618% | 641 |
| Total domestic deposits to total assets | 80.4397% | 5,710 |
| Equity capital to assets | 8.7353% | 5,533 |
| Core capital (leverage) ratio | 8.7484% | 4,944 |
| Tier 1 risk-based capital ratio | 12.3344% | 5,178 |
| Total risk-based capital ratio | 13.5872% | 5,146 |
| Memoranda: | ||
| Average total assets | $857,418,600 | 788 |
| Average earning assets | $774,185,600 | 788 |
| Average equity | $71,940,800 | 932 |
| Average total loans | $587,978,200 | 760 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3823% | 2,960 |
| Cost of funding earning assets | 2.1659% | 420 |
| Net interest margin | 3.2163% | 6,286 |
| Noninterest income to average assets | 0.5969% | 3,457 |
| Noninterest expense to average assets | 2.5379% | 5,568 |
| Loan and lease loss provision to assets | 0.2173% | 4,898 |
| Net operating income to assets | 0.7101% | 3,365 |
| Return on assets (ROA) | 0.7878% | 3,222 |
| Pretax return on assets | 0.8277% | 3,811 |
| Return on Equity (ROE) | 9.4859% | 2,324 |
| Retained earnings to average equity (ytd only) | 0.0654% | 5,751 |
| Net charge-offs to loans | 0.3059% | 4,135 |
| Credit loss provision to net charge-offs | 103.4738% | 4,142 |
| Earnings coverage of net charge-offs (x) | 4.5861% | 2,986 |
| Efficiency ratio | 72.4794% | 3,613 |
| Assets per employee ($millions) | 4.3014% | 3,252 |
| Cash dividends to net income (ytd only)* | 99.3103% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 3,992 |
| Loan loss allowance to noncurrent loans | 161.1162% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 3.0322% | 2,395 |
| Noncurrent loans to loans | 0.9276% | 5,385 |
| Net loans and leases to total assets | 65.3798% | 3,825 |
| Net loans and leases to deposits | 80.3331% | 3,389 |
| Net loans and leases to core deposits | 114.4409% | 816 |
| Total domestic deposits to total assets | 81.3858% | 5,241 |
| Equity capital to assets | 8.2998% | 6,507 |
| Core capital (leverage) ratio | 8.3461% | 5,796 |
| Tier 1 risk-based capital ratio | 11.7765% | 5,665 |
| Total risk-based capital ratio | 13.0283% | 5,638 |
| Memoranda: | ||
| Average total assets | $858,912,500 | 784 |
| Average earning assets | $775,564,500 | 786 |
| Average equity | $71,332,000 | 943 |
| Average total loans | $589,812,250 | 762 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4149% | 2,909 |
| Cost of funding earning assets | 2.1643% | 517 |
| Net interest margin | 3.2506% | 6,168 |
| Noninterest income to average assets | 0.5347% | 3,836 |
| Noninterest expense to average assets | 2.5700% | 5,455 |
| Loan and lease loss provision to assets | 0.2161% | 4,728 |
| Net operating income to assets | 0.6485% | 3,634 |
| Return on assets (ROA) | 0.7758% | 3,236 |
| Pretax return on assets | 0.8148% | 3,828 |
| Return on Equity (ROE) | 9.3390% | 2,336 |
| Retained earnings to average equity (ytd only) | -1.0550% | 5,981 |
| Net charge-offs to loans | 0.2574% | 4,063 |
| Credit loss provision to net charge-offs | 120.8936% | 3,351 |
| Earnings coverage of net charge-offs (x) | 5.0171% | 2,778 |
| Efficiency ratio | 74.1140% | 3,455 |
| Assets per employee ($millions) | 4.1818% | 3,422 |
| Cash dividends to net income (ytd only)* | 111.2962% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 3,978 |
| Loan loss allowance to noncurrent loans | 89.3585% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 3.7777% | 1,847 |
| Noncurrent loans to loans | 1.6693% | 4,188 |
| Net loans and leases to total assets | 66.6203% | 3,705 |
| Net loans and leases to deposits | 81.6376% | 3,324 |
| Net loans and leases to core deposits | 122.0170% | 631 |
| Total domestic deposits to total assets | 81.6049% | 5,148 |
| Equity capital to assets | 8.1477% | 6,601 |
| Core capital (leverage) ratio | 8.3732% | 5,622 |
| Tier 1 risk-based capital ratio | 11.4419% | 5,833 |
| Total risk-based capital ratio | 12.6949% | 5,798 |
| Memoranda: | ||
| Average total assets | $851,290,330 | 794 |
| Average earning assets | $767,918,330 | 799 |
| Average equity | $70,714,000 | 947 |
| Average total loans | $591,332,330 | 758 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4454% | 2,835 |
| Cost of funding earning assets | 2.1511% | 684 |
| Net interest margin | 3.2942% | 5,998 |
| Noninterest income to average assets | 0.5242% | 3,856 |
| Noninterest expense to average assets | 2.6062% | 5,334 |
| Loan and lease loss provision to assets | 0.2884% | 3,715 |
| Net operating income to assets | 0.5711% | 4,029 |
| Return on assets (ROA) | 0.8460% | 2,861 |
| Pretax return on assets | 0.8894% | 3,509 |
| Return on Equity (ROE) | 10.0831% | 2,073 |
| Retained earnings to average equity (ytd only) | -3.0614% | 6,370 |
| Net charge-offs to loans | 0.4284% | 2,762 |
| Credit loss provision to net charge-offs | 95.5696% | 3,537 |
| Earnings coverage of net charge-offs (x) | 2.9446% | 3,079 |
| Efficiency ratio | 74.5628% | 3,477 |
| Assets per employee ($millions) | 4.2364% | 3,401 |
| Cash dividends to net income (ytd only)* | 130.3612% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 4,078 |
| Loan loss allowance to noncurrent loans | 85.4286% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 3.3715% | 2,103 |
| Noncurrent loans to loans | 1.7195% | 4,162 |
| Net loans and leases to total assets | 68.6454% | 3,243 |
| Net loans and leases to deposits | 84.4896% | 2,860 |
| Net loans and leases to core deposits | 135.6494% | 385 |
| Total domestic deposits to total assets | 81.2472% | 5,367 |
| Equity capital to assets | 8.3104% | 6,285 |
| Core capital (leverage) ratio | 8.8400% | 4,806 |
| Tier 1 risk-based capital ratio | 11.4067% | 5,758 |
| Total risk-based capital ratio | 12.6592% | 5,733 |
| Memoranda: | ||
| Average total assets | $837,850,000 | 823 |
| Average earning assets | $755,504,500 | 834 |
| Average equity | $70,295,500 | 951 |
| Average total loans | $590,049,000 | 785 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9594% | 2,020 |
| Cost of funding earning assets | 2.3917% | 1,331 |
| Net interest margin | 3.5678% | 4,664 |
| Noninterest income to average assets | 0.9347% | 1,811 |
| Noninterest expense to average assets | 2.5079% | 6,095 |
| Loan and lease loss provision to assets | 0.6997% | 3,021 |
| Net operating income to assets | 0.9485% | 2,011 |
| Return on assets (ROA) | 0.9387% | 2,112 |
| Pretax return on assets | 0.9824% | 2,653 |
| Return on Equity (ROE) | 10.9416% | 1,443 |
| Retained earnings to average equity (ytd only) | -0.1710% | 4,985 |
| Net charge-offs to loans | 0.4478% | 3,991 |
| Credit loss provision to net charge-offs | 215.5719% | 1,774 |
| Earnings coverage of net charge-offs (x) | 5.2137% | 2,658 |
| Efficiency ratio | 59.7014% | 6,528 |
| Assets per employee ($millions) | 4.0609% | 3,689 |
| Cash dividends to net income (ytd only)* | 101.5631% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 3,877 |
| Loan loss allowance to noncurrent loans | 85.4921% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 2.9299% | 2,389 |
| Noncurrent loans to loans | 1.7226% | 4,052 |
| Net loans and leases to total assets | 70.1482% | 3,220 |
| Net loans and leases to deposits | 86.7940% | 2,776 |
| Net loans and leases to core deposits | 102.1864% | 3,785 |
| Total domestic deposits to total assets | 80.8215% | 5,400 |
| Equity capital to assets | 8.4714% | 5,923 |
| Core capital (leverage) ratio | 8.8807% | 4,621 |
| Tier 1 risk-based capital ratio | 11.3327% | 5,583 |
| Total risk-based capital ratio | 12.5838% | 5,528 |
| Memoranda: | ||
| Average total assets | $797,347,200 | 862 |
| Average earning assets | $729,785,200 | 853 |
| Average equity | $68,408,800 | 959 |
| Average total loans | $577,887,000 | 825 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0639% | 1,788 |
| Cost of funding earning assets | 2.4432% | 1,479 |
| Net interest margin | 3.6207% | 4,404 |
| Noninterest income to average assets | 0.6466% | 3,369 |
| Noninterest expense to average assets | 2.4520% | 6,241 |
| Loan and lease loss provision to assets | 0.3806% | 4,046 |
| Net operating income to assets | 1.0576% | 1,872 |
| Return on assets (ROA) | 0.9010% | 2,485 |
| Pretax return on assets | 0.9666% | 3,006 |
| Return on Equity (ROE) | 10.4677% | 1,772 |
| Retained earnings to average equity (ytd only) | -1.8362% | 5,689 |
| Net charge-offs to loans | 0.2922% | 4,202 |
| Credit loss provision to net charge-offs | 178.8889% | 2,569 |
| Earnings coverage of net charge-offs (x) | 7.1230% | 2,470 |
| Efficiency ratio | 61.7892% | 6,155 |
| Assets per employee ($millions) | 4.1018% | 3,559 |
| Cash dividends to net income (ytd only)* | 117.5412% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 5,495 |
| Loan loss allowance to noncurrent loans | 54.7262% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 2.8260% | 2,458 |
| Noncurrent loans to loans | 2.0780% | 3,526 |
| Net loans and leases to total assets | 69.8136% | 3,561 |
| Net loans and leases to deposits | 86.7693% | 3,173 |
| Net loans and leases to core deposits | 101.8637% | 4,170 |
| Total domestic deposits to total assets | 80.4589% | 5,266 |
| Equity capital to assets | 8.5537% | 6,182 |
| Core capital (leverage) ratio | 8.7816% | 5,004 |
| Tier 1 risk-based capital ratio | 11.1734% | 5,787 |
| Total risk-based capital ratio | 12.1994% | 5,963 |
| Memoranda: | ||
| Average total assets | $789,578,250 | 877 |
| Average earning assets | $724,226,250 | 870 |
| Average equity | $67,966,250 | 980 |
| Average total loans | $574,906,250 | 848 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2985% | 1,210 |
| Cost of funding earning assets | 2.4147% | 1,909 |
| Net interest margin | 3.8838% | 3,189 |
| Noninterest income to average assets | 0.6182% | 3,547 |
| Noninterest expense to average assets | 2.5064% | 6,101 |
| Loan and lease loss provision to assets | 0.3689% | 3,710 |
| Net operating income to assets | 1.2114% | 1,444 |
| Return on assets (ROA) | 0.9793% | 2,275 |
| Pretax return on assets | 1.0508% | 2,805 |
| Return on Equity (ROE) | 11.3516% | 1,600 |
| Retained earnings to average equity (ytd only) | -1.9617% | 5,734 |
| Net charge-offs to loans | 0.2920% | 3,731 |
| Credit loss provision to net charge-offs | 171.6687% | 2,676 |
| Earnings coverage of net charge-offs (x) | 7.7671% | 2,391 |
| Efficiency ratio | 60.0124% | 6,551 |
| Assets per employee ($millions) | 3.7618% | 4,190 |
| Cash dividends to net income (ytd only)* | 117.2813% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 5,772 |
| Loan loss allowance to noncurrent loans | 90.1132% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 2.0000% | 3,198 |
| Noncurrent loans to loans | 1.1897% | 4,841 |
| Net loans and leases to total assets | 73.8111% | 2,756 |
| Net loans and leases to deposits | 92.9957% | 2,273 |
| Net loans and leases to core deposits | 107.7428% | 3,638 |
| Total domestic deposits to total assets | 79.3704% | 5,701 |
| Equity capital to assets | 8.5335% | 5,998 |
| Core capital (leverage) ratio | 9.0513% | 4,552 |
| Tier 1 risk-based capital ratio | 10.7762% | 6,115 |
| Total risk-based capital ratio | 11.7434% | 6,331 |
| Memoranda: | ||
| Average total assets | $775,214,000 | 906 |
| Average earning assets | $710,073,000 | 904 |
| Average equity | $66,880,330 | 1,007 |
| Average total loans | $570,540,000 | 876 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5236% | 827 |
| Cost of funding earning assets | 2.4807% | 1,988 |
| Net interest margin | 4.0430% | 2,475 |
| Noninterest income to average assets | 0.6049% | 3,516 |
| Noninterest expense to average assets | 2.4487% | 6,030 |
| Loan and lease loss provision to assets | 0.5748% | 2,188 |
| Net operating income to assets | 1.2212% | 1,595 |
| Return on assets (ROA) | 1.2212% | 1,700 |
| Pretax return on assets | 1.2945% | 2,300 |
| Return on Equity (ROE) | 14.0771% | 1,155 |
| Retained earnings to average equity (ytd only) | 2.7555% | 4,342 |
| Net charge-offs to loans | 0.2581% | 3,117 |
| Credit loss provision to net charge-offs | 304.6832% | 1,595 |
| Earnings coverage of net charge-offs (x) | 9.9091% | 2,000 |
| Efficiency ratio | 56.6976% | 6,867 |
| Assets per employee ($millions) | 3.6995% | 4,343 |
| Cash dividends to net income (ytd only)* | 80.4255% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 5,263 |
| Loan loss allowance to noncurrent loans | 59.5778% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.0030% | 2,903 |
| Noncurrent loans to loans | 1.8961% | 3,420 |
| Net loans and leases to total assets | 72.8713% | 3,036 |
| Net loans and leases to deposits | 100.3242% | 1,370 |
| Net loans and leases to core deposits | 121.2513% | 2,312 |
| Total domestic deposits to total assets | 72.6358% | 7,109 |
| Equity capital to assets | 8.7366% | 5,710 |
| Core capital (leverage) ratio | 8.9516% | 4,794 |
| Tier 1 risk-based capital ratio | 10.8548% | 6,035 |
| Total risk-based capital ratio | 11.8789% | 6,181 |
| Memoranda: | ||
| Average total assets | $769,716,000 | 910 |
| Average earning assets | $706,907,000 | 906 |
| Average equity | $66,775,000 | 1,011 |
| Average total loans | $562,510,500 | 894 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7225% | 1,949 |
| Cost of funding earning assets | 3.0780% | 1,577 |
| Net interest margin | 3.6445% | 4,704 |
| Noninterest income to average assets | 0.8512% | 2,219 |
| Noninterest expense to average assets | 2.4496% | 6,205 |
| Loan and lease loss provision to assets | 0.0805% | 6,386 |
| Net operating income to assets | 1.5670% | 890 |
| Return on assets (ROA) | 1.5670% | 863 |
| Pretax return on assets | 1.6627% | 1,234 |
| Return on Equity (ROE) | 17.3971% | 584 |
| Retained earnings to average equity (ytd only) | 6.0355% | 1,515 |
| Net charge-offs to loans | 0.0579% | 5,947 |
| Credit loss provision to net charge-offs | 182.9721% | 2,724 |
| Earnings coverage of net charge-offs (x) | 39.6099% | 942 |
| Efficiency ratio | 58.3953% | 6,627 |
| Assets per employee ($millions) | 3.6490% | 4,286 |
| Cash dividends to net income (ytd only)* | 65.3074% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 5,850 |
| Loan loss allowance to noncurrent loans | 195.7359% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 1.0543% | 4,179 |
| Noncurrent loans to loans | 0.5213% | 5,791 |
| Net loans and leases to total assets | 71.7177% | 3,648 |
| Net loans and leases to deposits | 100.5512% | 1,782 |
| Net loans and leases to core deposits | 120.0824% | 2,681 |
| Total domestic deposits to total assets | 71.3245% | 7,118 |
| Equity capital to assets | 8.6140% | 5,913 |
| Core capital (leverage) ratio | 8.9524% | 4,804 |
| Tier 1 risk-based capital ratio | 11.0902% | 5,651 |
| Total risk-based capital ratio | 12.0226% | 5,844 |
| Memoranda: | ||
| Average total assets | $733,943,600 | 913 |
| Average earning assets | $672,963,800 | 903 |
| Average equity | $66,108,600 | 1,010 |
| Average total loans | $557,781,600 | 853 |