Home > Citizens National Bank of Cheboygan > Performance and Condition Ratios
Citizens National Bank of Cheboygan, 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 | 3.6119% | 4,343 |
| Cost of funding earning assets | 0.5120% | 4,183 |
| Net interest margin | 3.0999% | 3,096 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.4587% | 2,420 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7317% | 3,102 |
| Return on assets (ROA) | 0.7317% | 3,085 |
| Pretax return on assets | 0.8997% | 2,963 |
| Return on Equity (ROE) | 135.0600% | 10 |
| Retained earnings to average equity (ytd only) | 93.7997% | 9 |
| Net charge-offs to loans | 0.0136% | 2,151 |
| Credit loss provision to net charge-offs | 213.3333% | 1,179 |
| Earnings coverage of net charge-offs (x) | 148.3667% | 713 |
| Efficiency ratio | 72.9258% | 1,562 |
| Assets per employee ($millions) | 5.9313% | 2,877 |
| Cash dividends to net income (ytd only)* | 30.5493% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 1,007 |
| Loan loss allowance to noncurrent loans | 694.8207% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 2,117 |
| Noncurrent loans to loans | 0.2179% | 2,443 |
| Net loans and leases to total assets | 46.6400% | 3,786 |
| Net loans and leases to deposits | 54.5931% | 3,761 |
| Net loans and leases to core deposits | 56.2654% | 3,903 |
| Total domestic deposits to total assets | 85.4400% | 2,176 |
| Equity capital to assets | 1.6272% | 4,572 |
| Core capital (leverage) ratio | 7.2030% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5651% | 1,660 |
| Memoranda: | ||
| Average total assets | $487,624,800 | 1,753 |
| Average earning assets | $449,600,800 | 1,751 |
| Average equity | $2,641,800 | 4,450 |
| Average total loans | $221,218,600 | 2,153 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5595% | 4,339 |
| Cost of funding earning assets | 0.4313% | 4,222 |
| Net interest margin | 3.1283% | 3,085 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.4655% | 2,330 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7378% | 3,210 |
| Return on assets (ROA) | 0.7378% | 3,200 |
| Pretax return on assets | 0.9077% | 3,084 |
| Return on Equity (ROE) | 271.9500% | 6 |
| Retained earnings to average equity (ytd only) | 162.1615% | 8 |
| Net charge-offs to loans | 0.0146% | 1,872 |
| Credit loss provision to net charge-offs | 266.6667% | 954 |
| Earnings coverage of net charge-offs (x) | 141.0833% | 763 |
| Efficiency ratio | 72.7134% | 1,484 |
| Assets per employee ($millions) | 6.0600% | 2,697 |
| Cash dividends to net income (ytd only)* | 40.3704% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 1,016 |
| Loan loss allowance to noncurrent loans | 339.8833% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 2,229 |
| Noncurrent loans to loans | 0.4527% | 1,692 |
| Net loans and leases to total assets | 45.0000% | 3,873 |
| Net loans and leases to deposits | 48.1747% | 3,998 |
| Net loans and leases to core deposits | 49.7598% | 4,046 |
| Total domestic deposits to total assets | 93.4000% | 253 |
| Equity capital to assets | -0.4011% | 4,616 |
| Core capital (leverage) ratio | 6.8356% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2385% | 1,495 |
| Memoranda: | ||
| Average total assets | $487,939,000 | 1,752 |
| Average earning assets | $450,122,000 | 1,756 |
| Average equity | $1,323,750 | 4,540 |
| Average total loans | $218,935,750 | 2,163 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4737% | 4,366 |
| Cost of funding earning assets | 0.3688% | 4,214 |
| Net interest margin | 3.1049% | 3,219 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.5067% | 2,184 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6623% | 3,429 |
| Return on assets (ROA) | 0.6623% | 3,434 |
| Pretax return on assets | 0.8129% | 3,378 |
| Return on Equity (ROE) | 132.2200% | 15 |
| Retained earnings to average equity (ytd only) | 82.4094% | 13 |
| Net charge-offs to loans | -0.0074% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.9168% | 1,264 |
| Assets per employee ($millions) | 6.2899% | 2,471 |
| Cash dividends to net income (ytd only)* | 37.6712% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 951 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 44.4500% | 3,861 |
| Net loans and leases to deposits | 48.3050% | 3,980 |
| Net loans and leases to core deposits | 51.0082% | 3,989 |
| Total domestic deposits to total assets | 92.0200% | 409 |
| Equity capital to assets | 0.8657% | 4,626 |
| Core capital (leverage) ratio | 6.8395% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2082% | 1,811 |
| Memoranda: | ||
| Average total assets | $484,946,667 | 1,762 |
| Average earning assets | $448,457,333 | 1,761 |
| Average equity | $2,429,333 | 4,513 |
| Average total loans | $216,216,333 | 2,179 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4514% | 4,322 |
| Cost of funding earning assets | 0.2780% | 4,237 |
| Net interest margin | 3.1735% | 3,175 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.6409% | 1,837 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.5741% | 3,738 |
| Return on assets (ROA) | 0.5741% | 3,705 |
| Pretax return on assets | 0.7002% | 3,662 |
| Return on Equity (ROE) | 182.0500% | 11 |
| Retained earnings to average equity (ytd only) | 22.8872% | 248 |
| Net charge-offs to loans | -0.0094% | 3,830 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.8049% | 1,020 |
| Assets per employee ($millions) | 6.0066% | 2,755 |
| Cash dividends to net income (ytd only)* | 87.4277% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 959 |
| Loan loss allowance to noncurrent loans | 58,716.6667% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 3,920 |
| Noncurrent loans to loans | 0.0028% | 3,840 |
| Net loans and leases to total assets | 44.3400% | 3,848 |
| Net loans and leases to deposits | 45.0164% | 4,070 |
| Net loans and leases to core deposits | 47.4959% | 4,065 |
| Total domestic deposits to total assets | 98.5000% | 13 |
| Equity capital to assets | 0.3047% | 4,661 |
| Core capital (leverage) ratio | 6.5456% | 4,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0536% | 1,960 |
| Memoranda: | ||
| Average total assets | $482,114,500 | 1,786 |
| Average earning assets | $446,075,500 | 1,785 |
| Average equity | $1,520,500 | 4,632 |
| Average total loans | $213,519,000 | 2,219 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0247% | 4,103 |
| Cost of funding earning assets | 0.1397% | 4,178 |
| Net interest margin | 2.8850% | 3,715 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.3602% | 2,543 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7509% | 3,480 |
| Return on assets (ROA) | 0.7509% | 3,419 |
| Pretax return on assets | 0.9244% | 3,285 |
| Return on Equity (ROE) | 44.4200% | 41 |
| Retained earnings to average equity (ytd only) | 31.4576% | 29 |
| Net charge-offs to loans | -0.0120% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.8566% | 1,459 |
| Assets per employee ($millions) | 5.9716% | 2,793 |
| Cash dividends to net income (ytd only)* | 29.1879% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 1,774 |
| Loan loss allowance to noncurrent loans | 4,362.5000% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,744 |
| Noncurrent loans to loans | 0.0304% | 3,567 |
| Net loans and leases to total assets | 42.9300% | 3,932 |
| Net loans and leases to deposits | 43.5766% | 4,131 |
| Net loans and leases to core deposits | 44.1486% | 4,173 |
| Total domestic deposits to total assets | 98.5200% | 24 |
| Equity capital to assets | 0.3260% | 4,685 |
| Core capital (leverage) ratio | 6.4377% | 4,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2840% | 1,858 |
| Memoranda: | ||
| Average total assets | $496,869,800 | 1,727 |
| Average earning assets | $462,390,800 | 1,725 |
| Average equity | $8,398,600 | 4,056 |
| Average total loans | $192,152,400 | 2,294 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8483% | 4,130 |
| Cost of funding earning assets | 0.1450% | 3,896 |
| Net interest margin | 2.7033% | 3,918 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.3653% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6459% | 3,706 |
| Return on assets (ROA) | 0.6459% | 3,664 |
| Pretax return on assets | 0.7923% | 3,601 |
| Return on Equity (ROE) | 31.9700% | 85 |
| Retained earnings to average equity (ytd only) | 17.5900% | 183 |
| Net charge-offs to loans | -0.0100% | 3,713 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.9092% | 1,183 |
| Assets per employee ($millions) | 6.3401% | 2,451 |
| Cash dividends to net income (ytd only)* | 44.9856% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 1,732 |
| Loan loss allowance to noncurrent loans | 3,661.8421% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 3,821 |
| Noncurrent loans to loans | 0.0373% | 3,625 |
| Net loans and leases to total assets | 38.6500% | 4,119 |
| Net loans and leases to deposits | 38.9140% | 4,277 |
| Net loans and leases to core deposits | 39.6297% | 4,286 |
| Total domestic deposits to total assets | 99.3200% | 25 |
| Equity capital to assets | -0.8419% | 4,747 |
| Core capital (leverage) ratio | 6.0777% | 4,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9367% | 2,079 |
| Memoranda: | ||
| Average total assets | $500,161,500 | 1,731 |
| Average earning assets | $466,137,750 | 1,720 |
| Average equity | $10,104,000 | 3,907 |
| Average total loans | $187,578,000 | 2,332 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7167% | 4,115 |
| Cost of funding earning assets | 0.1521% | 3,543 |
| Net interest margin | 2.5646% | 3,968 |
| Noninterest income to average assets | 0.6896% | 1,385 |
| Noninterest expense to average assets | 2.4778% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5012% | 3,891 |
| Return on assets (ROA) | 0.5012% | 3,844 |
| Pretax return on assets | 0.6098% | 3,797 |
| Return on Equity (ROE) | 16.5696% | 628 |
| Retained earnings to average equity (ytd only) | 8.4656% | 1,452 |
| Net charge-offs to loans | -0.0066% | 3,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2493% | 926 |
| Assets per employee ($millions) | 5.9555% | 2,784 |
| Cash dividends to net income (ytd only)* | 48.9086% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 1,659 |
| Loan loss allowance to noncurrent loans | 1,063.6015% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 3,452 |
| Noncurrent loans to loans | 0.1338% | 3,042 |
| Net loans and leases to total assets | 39.3769% | 4,107 |
| Net loans and leases to deposits | 40.9771% | 4,234 |
| Net loans and leases to core deposits | 41.7096% | 4,272 |
| Total domestic deposits to total assets | 96.0950% | 81 |
| Equity capital to assets | 0.8486% | 4,750 |
| Core capital (leverage) ratio | 6.1102% | 4,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1631% | 1,993 |
| Memoranda: | ||
| Average total assets | $493,587,000 | 1,746 |
| Average earning assets | $461,522,000 | 1,748 |
| Average equity | $14,931,000 | 3,499 |
| Average total loans | $182,199,333 | 2,369 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5559% | 4,189 |
| Cost of funding earning assets | 0.1467% | 3,537 |
| Net interest margin | 2.4091% | 4,051 |
| Noninterest income to average assets | 0.8077% | 1,029 |
| Noninterest expense to average assets | 2.5175% | 1,844 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4587% | 3,820 |
| Return on assets (ROA) | 0.4587% | 3,783 |
| Pretax return on assets | 0.5538% | 3,741 |
| Return on Equity (ROE) | 11.1983% | 1,547 |
| Retained earnings to average equity (ytd only) | -0.7085% | 4,110 |
| Net charge-offs to loans | -0.0046% | 3,313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9685% | 983 |
| Assets per employee ($millions) | 5.8181% | 2,982 |
| Cash dividends to net income (ytd only)* | 106.3269% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 1,468 |
| Loan loss allowance to noncurrent loans | 2,388.7931% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,535 |
| Noncurrent loans to loans | 0.0640% | 3,532 |
| Net loans and leases to total assets | 35.6929% | 4,232 |
| Net loans and leases to deposits | 37.0508% | 4,353 |
| Net loans and leases to core deposits | 37.8191% | 4,378 |
| Total domestic deposits to total assets | 96.3350% | 9 |
| Equity capital to assets | 2.5586% | 4,793 |
| Core capital (leverage) ratio | 5.8829% | 4,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5222% | 1,981 |
| Memoranda: | ||
| Average total assets | $496,204,500 | 1,745 |
| Average earning assets | $466,224,500 | 1,737 |
| Average equity | $20,324,500 | 3,118 |
| Average total loans | $175,762,000 | 2,408 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7738% | 4,241 |
| Cost of funding earning assets | 0.1450% | 4,023 |
| Net interest margin | 2.6288% | 4,003 |
| Noninterest income to average assets | 0.9769% | 1,046 |
| Noninterest expense to average assets | 2.7155% | 1,597 |
| Loan and lease loss provision to assets | -0.0551% | 4,379 |
| Net operating income to assets | 0.6433% | 3,763 |
| Return on assets (ROA) | 0.6653% | 3,762 |
| Pretax return on assets | 0.8123% | 3,698 |
| Return on Equity (ROE) | 10.5195% | 2,338 |
| Retained earnings to average equity (ytd only) | 5.8783% | 2,414 |
| Net charge-offs to loans | -0.0086% | 3,691 |
| Credit loss provision to net charge-offs | 1,666.6667% | 353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8053% | 885 |
| Assets per employee ($millions) | 5.5915% | 3,169 |
| Cash dividends to net income (ytd only)* | 44.1206% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 1,201 |
| Loan loss allowance to noncurrent loans | 2,428.9474% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 3,626 |
| Noncurrent loans to loans | 0.0670% | 3,607 |
| Net loans and leases to total assets | 34.0192% | 4,375 |
| Net loans and leases to deposits | 36.5096% | 4,459 |
| Net loans and leases to core deposits | 37.2607% | 4,487 |
| Total domestic deposits to total assets | 93.1788% | 41 |
| Equity capital to assets | 5.6593% | 4,823 |
| Core capital (leverage) ratio | 6.0154% | 4,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1666% | 1,792 |
| Memoranda: | ||
| Average total assets | $453,768,000 | 1,826 |
| Average earning assets | $426,166,400 | 1,816 |
| Average equity | $28,699,000 | 2,611 |
| Average total loans | $173,433,800 | 2,433 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7667% | 4,338 |
| Cost of funding earning assets | 0.1445% | 4,158 |
| Net interest margin | 2.6222% | 4,104 |
| Noninterest income to average assets | 1.0277% | 1,021 |
| Noninterest expense to average assets | 2.7185% | 1,539 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6328% | 3,945 |
| Return on assets (ROA) | 0.6438% | 3,971 |
| Pretax return on assets | 0.7846% | 3,918 |
| Return on Equity (ROE) | 9.8918% | 2,774 |
| Retained earnings to average equity (ytd only) | 3.7492% | 3,661 |
| Net charge-offs to loans | -0.0122% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9030% | 882 |
| Assets per employee ($millions) | 5.5409% | 3,151 |
| Cash dividends to net income (ytd only)* | 62.0979% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8296% | 879 |
| Loan loss allowance to noncurrent loans | 2,377.9528% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 3,771 |
| Noncurrent loans to loans | 0.0769% | 3,709 |
| Net loans and leases to total assets | 33.2330% | 4,501 |
| Net loans and leases to deposits | 35.8011% | 4,581 |
| Net loans and leases to core deposits | 36.5674% | 4,601 |
| Total domestic deposits to total assets | 92.8268% | 45 |
| Equity capital to assets | 5.8762% | 4,894 |
| Core capital (leverage) ratio | 6.0123% | 4,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9007% | 2,002 |
| Memoranda: | ||
| Average total assets | $444,196,500 | 1,876 |
| Average earning assets | $417,051,750 | 1,863 |
| Average equity | $28,912,000 | 2,629 |
| Average total loans | $174,251,750 | 2,469 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6885% | 4,471 |
| Cost of funding earning assets | 0.1448% | 4,253 |
| Net interest margin | 2.5437% | 4,255 |
| Noninterest income to average assets | 1.0202% | 1,038 |
| Noninterest expense to average assets | 2.7841% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5158% | 4,188 |
| Return on assets (ROA) | 0.5324% | 4,206 |
| Pretax return on assets | 0.6432% | 4,168 |
| Return on Equity (ROE) | 7.8900% | 3,436 |
| Retained earnings to average equity (ytd only) | 2.8829% | 3,875 |
| Net charge-offs to loans | -0.0169% | 3,912 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7101% | 688 |
| Assets per employee ($millions) | 5.0999% | 3,560 |
| Cash dividends to net income (ytd only)* | 63.4615% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 1,012 |
| Loan loss allowance to noncurrent loans | 2,187.6812% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,820 |
| Noncurrent loans to loans | 0.0788% | 3,793 |
| Net loans and leases to total assets | 38.3420% | 4,372 |
| Net loans and leases to deposits | 41.5860% | 4,471 |
| Net loans and leases to core deposits | 42.5563% | 4,504 |
| Total domestic deposits to total assets | 92.1993% | 91 |
| Equity capital to assets | 6.4361% | 4,900 |
| Core capital (leverage) ratio | 6.3692% | 4,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4575% | 1,814 |
| Memoranda: | ||
| Average total assets | $429,730,000 | 1,911 |
| Average earning assets | $403,274,667 | 1,899 |
| Average equity | $28,998,667 | 2,624 |
| Average total loans | $177,314,667 | 2,455 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7545% | 4,423 |
| Cost of funding earning assets | 0.1439% | 4,348 |
| Net interest margin | 2.6106% | 4,129 |
| Noninterest income to average assets | 1.1061% | 971 |
| Noninterest expense to average assets | 2.8139% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6149% | 3,902 |
| Return on assets (ROA) | 0.6149% | 3,968 |
| Pretax return on assets | 0.7444% | 3,925 |
| Return on Equity (ROE) | 8.8933% | 3,065 |
| Retained earnings to average equity (ytd only) | -1.1013% | 4,472 |
| Net charge-offs to loans | -0.0202% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0797% | 886 |
| Assets per employee ($millions) | 5.0753% | 3,558 |
| Cash dividends to net income (ytd only)* | 112.3839% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6642% | 1,134 |
| Loan loss allowance to noncurrent loans | 1,035.3952% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 3,905 |
| Noncurrent loans to loans | 0.1607% | 3,532 |
| Net loans and leases to total assets | 40.3198% | 4,324 |
| Net loans and leases to deposits | 43.6903% | 4,435 |
| Net loans and leases to core deposits | 44.6926% | 4,479 |
| Total domestic deposits to total assets | 92.2854% | 96 |
| Equity capital to assets | 6.4579% | 4,908 |
| Core capital (leverage) ratio | 6.5992% | 4,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2860% | 2,170 |
| Memoranda: | ||
| Average total assets | $420,197,500 | 1,932 |
| Average earning assets | $394,703,500 | 1,921 |
| Average equity | $29,055,500 | 2,615 |
| Average total loans | $178,424,000 | 2,448 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4821% | 4,061 |
| Cost of funding earning assets | 0.1430% | 4,747 |
| Net interest margin | 3.3391% | 2,956 |
| Noninterest income to average assets | 1.3530% | 637 |
| Noninterest expense to average assets | 3.1074% | 1,212 |
| Loan and lease loss provision to assets | 0.3417% | 1,028 |
| Net operating income to assets | 0.7886% | 3,139 |
| Return on assets (ROA) | 0.7886% | 3,259 |
| Pretax return on assets | 0.9611% | 3,175 |
| Return on Equity (ROE) | 9.8802% | 2,048 |
| Retained earnings to average equity (ytd only) | 4.7984% | 2,370 |
| Net charge-offs to loans | -0.0629% | 4,716 |
| Credit loss provision to net charge-offs | -1,122.9358% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4602% | 1,885 |
| Assets per employee ($millions) | 4.5844% | 3,829 |
| Cash dividends to net income (ytd only)* | 51.4336% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7088% | 1,018 |
| Loan loss allowance to noncurrent loans | 571.1027% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 3,626 |
| Noncurrent loans to loans | 0.2992% | 3,124 |
| Net loans and leases to total assets | 43.3249% | 4,284 |
| Net loans and leases to deposits | 47.4760% | 4,415 |
| Net loans and leases to core deposits | 48.6870% | 4,469 |
| Total domestic deposits to total assets | 91.2564% | 166 |
| Equity capital to assets | 7.4205% | 4,855 |
| Core capital (leverage) ratio | 7.0314% | 4,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0221% | 1,842 |
| Memoranda: | ||
| Average total assets | $358,237,000 | 2,010 |
| Average earning assets | $327,995,200 | 2,038 |
| Average equity | $28,592,600 | 2,562 |
| Average total loans | $173,233,600 | 2,462 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5247% | 4,160 |
| Cost of funding earning assets | 0.1420% | 4,817 |
| Net interest margin | 3.3827% | 2,972 |
| Noninterest income to average assets | 1.3111% | 632 |
| Noninterest expense to average assets | 3.0586% | 1,321 |
| Loan and lease loss provision to assets | 0.1342% | 2,675 |
| Net operating income to assets | 0.9733% | 2,437 |
| Return on assets (ROA) | 0.9733% | 2,572 |
| Pretax return on assets | 1.1939% | 2,409 |
| Return on Equity (ROE) | 11.9538% | 1,379 |
| Retained earnings to average equity (ytd only) | 5.1184% | 2,511 |
| Net charge-offs to loans | -0.0201% | 4,427 |
| Credit loss provision to net charge-offs | -1,346.1538% | 3,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7258% | 1,919 |
| Assets per employee ($millions) | 5.0532% | 3,176 |
| Cash dividends to net income (ytd only)* | 57.1822% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,092 |
| Loan loss allowance to noncurrent loans | 372.1818% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 3,731 |
| Noncurrent loans to loans | 0.3012% | 3,200 |
| Net loans and leases to total assets | 45.2286% | 4,356 |
| Net loans and leases to deposits | 49.5172% | 4,502 |
| Net loans and leases to core deposits | 50.6318% | 4,564 |
| Total domestic deposits to total assets | 91.3392% | 119 |
| Equity capital to assets | 7.3783% | 4,883 |
| Core capital (leverage) ratio | 7.2008% | 4,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2248% | 2,098 |
| Memoranda: | ||
| Average total assets | $348,086,250 | 2,036 |
| Average earning assets | $316,466,500 | 2,071 |
| Average equity | $28,341,750 | 2,571 |
| Average total loans | $172,591,750 | 2,461 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 3,999 |
| Cost of funding earning assets | 0.1424% | 4,898 |
| Net interest margin | 3.5991% | 2,485 |
| Noninterest income to average assets | 1.2536% | 644 |
| Noninterest expense to average assets | 3.2666% | 1,048 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9968% | 2,340 |
| Return on assets (ROA) | 0.9968% | 2,468 |
| Pretax return on assets | 1.2234% | 2,281 |
| Return on Equity (ROE) | 11.7979% | 1,386 |
| Retained earnings to average equity (ytd only) | 6.5997% | 1,827 |
| Net charge-offs to loans | -0.0225% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7530% | 1,595 |
| Assets per employee ($millions) | 4.6003% | 3,653 |
| Cash dividends to net income (ytd only)* | 44.0606% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 3,939 |
| Loan loss allowance to noncurrent loans | 351.3514% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 3,864 |
| Noncurrent loans to loans | 0.2604% | 3,451 |
| Net loans and leases to total assets | 50.3607% | 4,146 |
| Net loans and leases to deposits | 55.7267% | 4,299 |
| Net loans and leases to core deposits | 57.1167% | 4,392 |
| Total domestic deposits to total assets | 90.3710% | 303 |
| Equity capital to assets | 8.0215% | 4,706 |
| Core capital (leverage) ratio | 7.9934% | 4,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2066% | 2,101 |
| Memoranda: | ||
| Average total assets | $331,048,667 | 2,091 |
| Average earning assets | $297,683,000 | 2,136 |
| Average equity | $27,971,000 | 2,586 |
| Average total loans | $169,256,000 | 2,474 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 4,249 |
| Cost of funding earning assets | 0.1453% | 4,978 |
| Net interest margin | 3.6469% | 2,523 |
| Noninterest income to average assets | 0.9210% | 1,026 |
| Noninterest expense to average assets | 3.4288% | 1,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6974% | 3,279 |
| Return on assets (ROA) | 0.6974% | 3,349 |
| Pretax return on assets | 0.8410% | 3,306 |
| Return on Equity (ROE) | 8.0203% | 2,513 |
| Retained earnings to average equity (ytd only) | 0.9496% | 3,757 |
| Net charge-offs to loans | -0.0248% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3035% | 1,110 |
| Assets per employee ($millions) | 3.9320% | 4,019 |
| Cash dividends to net income (ytd only)* | 88.1603% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,463 |
| Loan loss allowance to noncurrent loans | 491.5205% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 4,082 |
| Noncurrent loans to loans | 0.2129% | 3,713 |
| Net loans and leases to total assets | 49.9080% | 4,246 |
| Net loans and leases to deposits | 55.7331% | 4,379 |
| Net loans and leases to core deposits | 57.1749% | 4,454 |
| Total domestic deposits to total assets | 89.5482% | 457 |
| Equity capital to assets | 8.8388% | 4,676 |
| Core capital (leverage) ratio | 8.3579% | 4,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9887% | 1,603 |
| Memoranda: | ||
| Average total assets | $314,862,000 | 2,129 |
| Average earning assets | $289,119,000 | 2,144 |
| Average equity | $27,380,500 | 2,614 |
| Average total loans | $161,528,000 | 2,527 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 4,443 |
| Cost of funding earning assets | 0.1234% | 5,079 |
| Net interest margin | 3.7722% | 2,596 |
| Noninterest income to average assets | 0.9020% | 1,174 |
| Noninterest expense to average assets | 3.6162% | 840 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6332% | 4,063 |
| Return on assets (ROA) | 0.6326% | 4,131 |
| Pretax return on assets | 0.7567% | 4,066 |
| Return on Equity (ROE) | 7.5542% | 3,339 |
| Retained earnings to average equity (ytd only) | 4.2316% | 2,840 |
| Net charge-offs to loans | 0.0291% | 2,815 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 50.1739% | 1,127 |
| Efficiency ratio | 82.6844% | 756 |
| Assets per employee ($millions) | 3.7051% | 4,264 |
| Cash dividends to net income (ytd only)* | 43.9834% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 3,323 |
| Loan loss allowance to noncurrent loans | 264.0823% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 3,469 |
| Noncurrent loans to loans | 0.3891% | 3,040 |
| Net loans and leases to total assets | 51.6505% | 4,252 |
| Net loans and leases to deposits | 57.4954% | 4,391 |
| Net loans and leases to core deposits | 58.9530% | 4,485 |
| Total domestic deposits to total assets | 89.8343% | 376 |
| Equity capital to assets | 8.5499% | 4,891 |
| Core capital (leverage) ratio | 8.3214% | 4,938 |
| Tier 1 risk-based capital ratio | 15.3303% | 2,643 |
| Total risk-based capital ratio | 16.3010% | 2,696 |
| Memoranda: | ||
| Average total assets | $304,763,600 | 2,135 |
| Average earning assets | $280,476,200 | 2,143 |
| Average equity | $25,522,200 | 2,681 |
| Average total loans | $158,053,600 | 2,534 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 4,594 |
| Cost of funding earning assets | 0.1192% | 5,160 |
| Net interest margin | 3.7389% | 2,797 |
| Noninterest income to average assets | 0.8735% | 1,208 |
| Noninterest expense to average assets | 3.6065% | 840 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5905% | 4,321 |
| Return on assets (ROA) | 0.5898% | 4,371 |
| Pretax return on assets | 0.7020% | 4,339 |
| Return on Equity (ROE) | 7.0810% | 3,647 |
| Retained earnings to average equity (ytd only) | 2.6032% | 4,048 |
| Net charge-offs to loans | -0.0416% | 4,791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6905% | 634 |
| Assets per employee ($millions) | 4.1639% | 3,675 |
| Cash dividends to net income (ytd only)* | 63.2363% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 3,014 |
| Loan loss allowance to noncurrent loans | 181.2115% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 3,123 |
| Noncurrent loans to loans | 0.6085% | 2,458 |
| Net loans and leases to total assets | 48.1266% | 4,508 |
| Net loans and leases to deposits | 53.2351% | 4,655 |
| Net loans and leases to core deposits | 54.4988% | 4,728 |
| Total domestic deposits to total assets | 90.4040% | 193 |
| Equity capital to assets | 7.8854% | 5,153 |
| Core capital (leverage) ratio | 8.2404% | 5,051 |
| Tier 1 risk-based capital ratio | 15.1462% | 2,785 |
| Total risk-based capital ratio | 16.1823% | 2,811 |
| Memoranda: | ||
| Average total assets | $303,146,500 | 2,164 |
| Average earning assets | $278,574,250 | 2,170 |
| Average equity | $25,250,250 | 2,712 |
| Average total loans | $156,961,500 | 2,575 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 4,537 |
| Cost of funding earning assets | 0.1162% | 5,206 |
| Net interest margin | 3.7939% | 2,601 |
| Noninterest income to average assets | 0.8155% | 1,295 |
| Noninterest expense to average assets | 3.2939% | 1,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8261% | 3,559 |
| Return on assets (ROA) | 0.8250% | 3,622 |
| Pretax return on assets | 0.9995% | 3,550 |
| Return on Equity (ROE) | 9.7120% | 2,529 |
| Retained earnings to average equity (ytd only) | 9.7120% | 838 |
| Net charge-offs to loans | -0.0462% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6957% | 1,307 |
| Assets per employee ($millions) | 3.7933% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 3,024 |
| Loan loss allowance to noncurrent loans | 280.7692% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 3,595 |
| Noncurrent loans to loans | 0.3950% | 3,112 |
| Net loans and leases to total assets | 52.8032% | 4,303 |
| Net loans and leases to deposits | 59.1961% | 4,466 |
| Net loans and leases to core deposits | 60.3118% | 4,562 |
| Total domestic deposits to total assets | 89.2004% | 593 |
| Equity capital to assets | 8.9945% | 4,800 |
| Core capital (leverage) ratio | 9.0043% | 4,622 |
| Tier 1 risk-based capital ratio | 15.7292% | 2,530 |
| Total risk-based capital ratio | 16.7682% | 2,550 |
| Memoranda: | ||
| Average total assets | $294,545,670 | 2,210 |
| Average earning assets | $270,121,000 | 2,227 |
| Average equity | $25,020,670 | 2,721 |
| Average total loans | $155,923,000 | 2,595 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 4,584 |
| Cost of funding earning assets | 0.1094% | 5,266 |
| Net interest margin | 3.7707% | 2,631 |
| Noninterest income to average assets | 0.8248% | 1,225 |
| Noninterest expense to average assets | 3.2939% | 1,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8221% | 3,544 |
| Return on assets (ROA) | 0.8221% | 3,583 |
| Pretax return on assets | 1.0018% | 3,433 |
| Return on Equity (ROE) | 9.9734% | 2,384 |
| Retained earnings to average equity (ytd only) | 9.9734% | 1,041 |
| Net charge-offs to loans | -0.0103% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6793% | 1,419 |
| Assets per employee ($millions) | 4.0581% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,160 |
| Loan loss allowance to noncurrent loans | 454.7619% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 4,005 |
| Noncurrent loans to loans | 0.2408% | 3,710 |
| Net loans and leases to total assets | 52.4186% | 4,314 |
| Net loans and leases to deposits | 58.3635% | 4,484 |
| Net loans and leases to core deposits | 59.3957% | 4,596 |
| Total domestic deposits to total assets | 89.8141% | 523 |
| Equity capital to assets | 8.4779% | 4,999 |
| Core capital (leverage) ratio | 8.8173% | 4,780 |
| Tier 1 risk-based capital ratio | 15.5393% | 2,632 |
| Total risk-based capital ratio | 16.5701% | 2,656 |
| Memoranda: | ||
| Average total assets | $293,878,500 | 2,230 |
| Average earning assets | $270,510,000 | 2,237 |
| Average equity | $24,224,500 | 2,788 |
| Average total loans | $154,891,500 | 2,639 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7141% | 4,647 |
| Cost of funding earning assets | 0.1084% | 5,268 |
| Net interest margin | 3.6057% | 3,366 |
| Noninterest income to average assets | 0.8026% | 1,438 |
| Noninterest expense to average assets | 4.3286% | 355 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.2599% | 5,282 |
| Return on assets (ROA) | -0.2599% | 5,279 |
| Pretax return on assets | -0.2061% | 5,264 |
| Return on Equity (ROE) | -3.4054% | 5,296 |
| Retained earnings to average equity (ytd only) | -8.8104% | 5,306 |
| Net charge-offs to loans | -0.0995% | 5,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9992% | 106 |
| Assets per employee ($millions) | 3.8357% | 4,121 |
| Cash dividends to net income (ytd only)* | -158.7156% | 5,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 2,963 |
| Loan loss allowance to noncurrent loans | 551.7685% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 4,121 |
| Noncurrent loans to loans | 0.2036% | 3,851 |
| Net loans and leases to total assets | 51.8196% | 4,419 |
| Net loans and leases to deposits | 57.4038% | 4,598 |
| Net loans and leases to core deposits | 58.4289% | 4,687 |
| Total domestic deposits to total assets | 90.2722% | 394 |
| Equity capital to assets | 8.0044% | 5,162 |
| Core capital (leverage) ratio | 8.6002% | 4,956 |
| Tier 1 risk-based capital ratio | 15.4705% | 2,636 |
| Total risk-based capital ratio | 16.5194% | 2,643 |
| Memoranda: | ||
| Average total assets | $293,559,000 | 2,193 |
| Average earning assets | $270,295,400 | 2,192 |
| Average equity | $22,405,400 | 2,870 |
| Average total loans | $147,812,400 | 2,670 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6165% | 4,775 |
| Cost of funding earning assets | 0.1083% | 5,334 |
| Net interest margin | 3.5082% | 3,671 |
| Noninterest income to average assets | 0.7572% | 1,645 |
| Noninterest expense to average assets | 3.2459% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6180% | 4,455 |
| Return on assets (ROA) | 0.6180% | 4,463 |
| Pretax return on assets | 0.7422% | 4,440 |
| Return on Equity (ROE) | 8.1959% | 3,468 |
| Retained earnings to average equity (ytd only) | 0.9140% | 4,879 |
| Net charge-offs to loans | -0.0428% | 4,873 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3893% | 824 |
| Assets per employee ($millions) | 3.9986% | 3,887 |
| Cash dividends to net income (ytd only)* | 88.8482% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,443 |
| Loan loss allowance to noncurrent loans | 614.0684% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 4,380 |
| Noncurrent loans to loans | 0.1716% | 4,120 |
| Net loans and leases to total assets | 49.8919% | 4,604 |
| Net loans and leases to deposits | 54.6503% | 4,799 |
| Net loans and leases to core deposits | 55.5740% | 4,855 |
| Total domestic deposits to total assets | 91.2929% | 169 |
| Equity capital to assets | 7.1496% | 5,367 |
| Core capital (leverage) ratio | 9.3109% | 4,387 |
| Tier 1 risk-based capital ratio | 16.5398% | 2,261 |
| Total risk-based capital ratio | 17.5133% | 2,294 |
| Memoranda: | ||
| Average total assets | $294,070,000 | 2,201 |
| Average earning assets | $270,828,000 | 2,202 |
| Average equity | $22,173,250 | 2,898 |
| Average total loans | $146,571,000 | 2,698 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 4,775 |
| Cost of funding earning assets | 0.1091% | 5,383 |
| Net interest margin | 3.4856% | 3,686 |
| Noninterest income to average assets | 0.7366% | 1,703 |
| Noninterest expense to average assets | 3.2875% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5495% | 4,629 |
| Return on assets (ROA) | 0.5495% | 4,631 |
| Pretax return on assets | 0.6582% | 4,618 |
| Return on Equity (ROE) | 7.1589% | 3,848 |
| Retained earnings to average equity (ytd only) | 2.8223% | 4,124 |
| Net charge-offs to loans | -0.0623% | 4,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3188% | 737 |
| Assets per employee ($millions) | 3.8641% | 4,112 |
| Cash dividends to net income (ytd only)* | 60.5757% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 3,372 |
| Loan loss allowance to noncurrent loans | 593.0147% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 4,240 |
| Noncurrent loans to loans | 0.1824% | 4,089 |
| Net loans and leases to total assets | 50.8953% | 4,550 |
| Net loans and leases to deposits | 56.1162% | 4,748 |
| Net loans and leases to core deposits | 57.1167% | 4,823 |
| Total domestic deposits to total assets | 90.6962% | 328 |
| Equity capital to assets | 7.6631% | 5,329 |
| Core capital (leverage) ratio | 9.7043% | 3,879 |
| Tier 1 risk-based capital ratio | 16.9584% | 2,115 |
| Total risk-based capital ratio | 17.9496% | 2,144 |
| Memoranda: | ||
| Average total assets | $290,796,330 | 2,225 |
| Average earning assets | $267,732,330 | 2,224 |
| Average equity | $22,322,000 | 2,900 |
| Average total loans | $144,350,670 | 2,739 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4888% | 4,898 |
| Cost of funding earning assets | 0.1073% | 5,445 |
| Net interest margin | 3.3814% | 3,944 |
| Noninterest income to average assets | 0.7333% | 1,689 |
| Noninterest expense to average assets | 3.4934% | 1,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3090% | 5,078 |
| Return on assets (ROA) | 0.3090% | 5,085 |
| Pretax return on assets | 0.3543% | 5,093 |
| Return on Equity (ROE) | 4.0216% | 4,759 |
| Retained earnings to average equity (ytd only) | -4.6472% | 5,185 |
| Net charge-offs to loans | -0.0113% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7923% | 408 |
| Assets per employee ($millions) | 4.1800% | 3,685 |
| Cash dividends to net income (ytd only)* | 215.5556% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 3,353 |
| Loan loss allowance to noncurrent loans | 239.4216% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 3,739 |
| Noncurrent loans to loans | 0.4611% | 3,146 |
| Net loans and leases to total assets | 48.1553% | 4,686 |
| Net loans and leases to deposits | 53.0050% | 4,840 |
| Net loans and leases to core deposits | 54.0590% | 4,913 |
| Total domestic deposits to total assets | 90.8506% | 370 |
| Equity capital to assets | 7.4265% | 5,442 |
| Core capital (leverage) ratio | 9.3794% | 4,215 |
| Tier 1 risk-based capital ratio | 17.4449% | 1,993 |
| Total risk-based capital ratio | 18.4603% | 2,011 |
| Memoranda: | ||
| Average total assets | $291,292,000 | 2,244 |
| Average earning assets | $268,289,500 | 2,248 |
| Average equity | $22,379,000 | 2,921 |
| Average total loans | $141,971,000 | 2,788 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4266% | 4,906 |
| Cost of funding earning assets | 0.1080% | 5,468 |
| Net interest margin | 3.3186% | 4,101 |
| Noninterest income to average assets | 0.8210% | 1,498 |
| Noninterest expense to average assets | 3.0370% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4664% | 4,469 |
| Return on assets (ROA) | 0.4675% | 4,498 |
| Pretax return on assets | 0.8276% | 4,176 |
| Return on Equity (ROE) | 5.7676% | 3,847 |
| Retained earnings to average equity (ytd only) | 1.0612% | 4,609 |
| Net charge-offs to loans | 0.0401% | 2,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 41.4386% | 1,231 |
| Efficiency ratio | 78.6206% | 1,266 |
| Assets per employee ($millions) | 4.2645% | 3,557 |
| Cash dividends to net income (ytd only)* | 81.6006% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 3,304 |
| Loan loss allowance to noncurrent loans | 351.5695% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 4,088 |
| Noncurrent loans to loans | 0.3153% | 3,651 |
| Net loans and leases to total assets | 48.2435% | 4,751 |
| Net loans and leases to deposits | 53.3589% | 4,920 |
| Net loans and leases to core deposits | 54.5215% | 4,985 |
| Total domestic deposits to total assets | 90.4133% | 425 |
| Equity capital to assets | 7.9411% | 5,414 |
| Core capital (leverage) ratio | 9.4218% | 4,133 |
| Tier 1 risk-based capital ratio | 17.7682% | 1,867 |
| Total risk-based capital ratio | 18.7900% | 1,886 |
| Memoranda: | ||
| Average total assets | $286,007,200 | 2,254 |
| Average earning assets | $262,158,000 | 2,266 |
| Average equity | $23,181,200 | 2,842 |
| Average total loans | $142,264,000 | 2,745 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3809% | 4,986 |
| Cost of funding earning assets | 0.1082% | 5,527 |
| Net interest margin | 3.2727% | 4,253 |
| Noninterest income to average assets | 0.7840% | 1,639 |
| Noninterest expense to average assets | 3.0650% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5288% | 4,654 |
| Return on assets (ROA) | 0.5305% | 4,684 |
| Pretax return on assets | 0.7214% | 4,555 |
| Return on Equity (ROE) | 6.5116% | 3,907 |
| Retained earnings to average equity (ytd only) | 0.2469% | 5,165 |
| Net charge-offs to loans | 0.0711% | 2,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 20.2238% | 1,963 |
| Efficiency ratio | 80.9989% | 997 |
| Assets per employee ($millions) | 4.6849% | 2,855 |
| Cash dividends to net income (ytd only)* | 96.2082% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 3,719 |
| Loan loss allowance to noncurrent loans | 183.7485% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 3,664 |
| Noncurrent loans to loans | 0.5783% | 2,957 |
| Net loans and leases to total assets | 47.3648% | 4,865 |
| Net loans and leases to deposits | 52.1999% | 5,048 |
| Net loans and leases to core deposits | 53.2679% | 5,092 |
| Total domestic deposits to total assets | 90.7375% | 244 |
| Equity capital to assets | 7.7835% | 5,578 |
| Core capital (leverage) ratio | 9.1938% | 4,523 |
| Tier 1 risk-based capital ratio | 16.4164% | 2,348 |
| Total risk-based capital ratio | 17.3803% | 2,391 |
| Memoranda: | ||
| Average total assets | $285,012,750 | 2,272 |
| Average earning assets | $261,264,750 | 2,287 |
| Average equity | $23,219,500 | 2,857 |
| Average total loans | $142,463,250 | 2,765 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4149% | 4,950 |
| Cost of funding earning assets | 0.1107% | 5,557 |
| Net interest margin | 3.3042% | 4,091 |
| Noninterest income to average assets | 0.7885% | 1,609 |
| Noninterest expense to average assets | 3.1970% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4608% | 4,823 |
| Return on assets (ROA) | 0.4625% | 4,843 |
| Pretax return on assets | 0.6161% | 4,772 |
| Return on Equity (ROE) | 5.5858% | 4,230 |
| Retained earnings to average equity (ytd only) | 0.8587% | 4,878 |
| Net charge-offs to loans | 0.1387% | 1,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 8.7245% | 2,489 |
| Efficiency ratio | 83.8892% | 856 |
| Assets per employee ($millions) | 4.2135% | 3,593 |
| Cash dividends to net income (ytd only)* | 84.6273% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 3,766 |
| Loan loss allowance to noncurrent loans | 303.5785% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 4,049 |
| Noncurrent loans to loans | 0.3504% | 3,779 |
| Net loans and leases to total assets | 51.0729% | 4,637 |
| Net loans and leases to deposits | 57.2147% | 4,789 |
| Net loans and leases to core deposits | 58.5183% | 4,898 |
| Total domestic deposits to total assets | 89.2653% | 823 |
| Equity capital to assets | 8.5505% | 5,270 |
| Core capital (leverage) ratio | 9.6403% | 3,972 |
| Tier 1 risk-based capital ratio | 16.7617% | 2,212 |
| Total risk-based capital ratio | 17.7375% | 2,276 |
| Memoranda: | ||
| Average total assets | $278,511,330 | 2,319 |
| Average earning assets | $254,763,330 | 2,338 |
| Average equity | $23,058,670 | 2,877 |
| Average total loans | $141,356,670 | 2,786 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3629% | 5,009 |
| Cost of funding earning assets | 0.1097% | 5,614 |
| Net interest margin | 3.2531% | 4,160 |
| Noninterest income to average assets | 0.6544% | 2,156 |
| Noninterest expense to average assets | 3.2075% | 1,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3358% | 5,113 |
| Return on assets (ROA) | 0.3358% | 5,134 |
| Pretax return on assets | 0.4248% | 5,113 |
| Return on Equity (ROE) | 4.1235% | 4,739 |
| Retained earnings to average equity (ytd only) | -5.4804% | 5,417 |
| Net charge-offs to loans | 0.3223% | 579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.6195% | 2,573 |
| Efficiency ratio | 88.3050% | 645 |
| Assets per employee ($millions) | 4.1003% | 3,842 |
| Cash dividends to net income (ytd only)* | 232.9060% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 3,884 |
| Loan loss allowance to noncurrent loans | 301.1952% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 3,750 |
| Noncurrent loans to loans | 0.3553% | 3,823 |
| Net loans and leases to total assets | 50.1275% | 4,661 |
| Net loans and leases to deposits | 55.7922% | 4,828 |
| Net loans and leases to core deposits | 57.0498% | 4,922 |
| Total domestic deposits to total assets | 89.8467% | 726 |
| Equity capital to assets | 8.2104% | 5,408 |
| Core capital (leverage) ratio | 9.3020% | 4,343 |
| Tier 1 risk-based capital ratio | 16.3605% | 2,410 |
| Total risk-based capital ratio | 17.3272% | 2,468 |
| Memoranda: | ||
| Average total assets | $278,722,500 | 2,335 |
| Average earning assets | $255,140,000 | 2,352 |
| Average equity | $22,699,000 | 2,925 |
| Average total loans | $140,257,500 | 2,818 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4266% | 4,931 |
| Cost of funding earning assets | 0.1184% | 5,616 |
| Net interest margin | 3.3082% | 4,115 |
| Noninterest income to average assets | 0.9181% | 1,354 |
| Noninterest expense to average assets | 3.1385% | 1,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5926% | 4,244 |
| Return on assets (ROA) | 0.6186% | 4,250 |
| Pretax return on assets | 0.8523% | 4,001 |
| Return on Equity (ROE) | 7.1514% | 3,391 |
| Retained earnings to average equity (ytd only) | 4.0967% | 2,992 |
| Net charge-offs to loans | -0.0874% | 5,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3512% | 1,505 |
| Assets per employee ($millions) | 4.0381% | 3,899 |
| Cash dividends to net income (ytd only)* | 42.7145% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 3,322 |
| Loan loss allowance to noncurrent loans | 268.1518% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 3,668 |
| Noncurrent loans to loans | 0.4352% | 3,585 |
| Net loans and leases to total assets | 49.3899% | 4,806 |
| Net loans and leases to deposits | 54.9801% | 4,967 |
| Net loans and leases to core deposits | 56.1598% | 5,044 |
| Total domestic deposits to total assets | 89.8323% | 709 |
| Equity capital to assets | 8.0774% | 5,527 |
| Core capital (leverage) ratio | 9.0404% | 4,692 |
| Tier 1 risk-based capital ratio | 16.5043% | 2,353 |
| Total risk-based capital ratio | 17.5734% | 2,355 |
| Memoranda: | ||
| Average total assets | $275,129,000 | 2,318 |
| Average earning assets | $252,581,200 | 2,341 |
| Average equity | $23,799,400 | 2,815 |
| Average total loans | $132,724,000 | 2,881 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4307% | 4,954 |
| Cost of funding earning assets | 0.1180% | 5,683 |
| Net interest margin | 3.3127% | 4,144 |
| Noninterest income to average assets | 0.9261% | 1,327 |
| Noninterest expense to average assets | 3.1790% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5745% | 4,396 |
| Return on assets (ROA) | 0.5965% | 4,417 |
| Pretax return on assets | 0.8206% | 4,248 |
| Return on Equity (ROE) | 6.7818% | 3,674 |
| Retained earnings to average equity (ytd only) | 2.7636% | 4,234 |
| Net charge-offs to loans | -0.0793% | 5,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0857% | 1,428 |
| Assets per employee ($millions) | 4.1531% | 3,687 |
| Cash dividends to net income (ytd only)* | 59.2502% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 3,472 |
| Loan loss allowance to noncurrent loans | 210.7570% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 3,527 |
| Noncurrent loans to loans | 0.5513% | 3,343 |
| Net loans and leases to total assets | 46.4335% | 5,070 |
| Net loans and leases to deposits | 51.6955% | 5,219 |
| Net loans and leases to core deposits | 53.0976% | 5,260 |
| Total domestic deposits to total assets | 89.8210% | 550 |
| Equity capital to assets | 8.4378% | 5,565 |
| Core capital (leverage) ratio | 9.2400% | 4,541 |
| Tier 1 risk-based capital ratio | 17.2100% | 2,162 |
| Total risk-based capital ratio | 18.2809% | 2,174 |
| Memoranda: | ||
| Average total assets | $274,254,250 | 2,333 |
| Average earning assets | $251,955,750 | 2,357 |
| Average equity | $24,122,750 | 2,811 |
| Average total loans | $131,095,250 | 2,915 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3929% | 5,093 |
| Cost of funding earning assets | 0.1183% | 5,763 |
| Net interest margin | 3.2746% | 4,311 |
| Noninterest income to average assets | 0.8699% | 1,473 |
| Noninterest expense to average assets | 3.1671% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5174% | 4,610 |
| Return on assets (ROA) | 0.5321% | 4,668 |
| Pretax return on assets | 0.7300% | 4,534 |
| Return on Equity (ROE) | 5.9616% | 4,065 |
| Retained earnings to average equity (ytd only) | 2.9266% | 4,050 |
| Net charge-offs to loans | -0.1826% | 5,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6891% | 1,310 |
| Assets per employee ($millions) | 3.5690% | 4,652 |
| Cash dividends to net income (ytd only)* | 50.9091% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 3,225 |
| Loan loss allowance to noncurrent loans | 150.7878% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5445% | 3,397 |
| Noncurrent loans to loans | 0.8117% | 2,718 |
| Net loans and leases to total assets | 49.7153% | 4,858 |
| Net loans and leases to deposits | 56.0139% | 5,010 |
| Net loans and leases to core deposits | 57.6061% | 5,089 |
| Total domestic deposits to total assets | 88.7553% | 1,038 |
| Equity capital to assets | 9.2887% | 4,984 |
| Core capital (leverage) ratio | 9.5955% | 4,075 |
| Tier 1 risk-based capital ratio | 17.4759% | 2,069 |
| Total risk-based capital ratio | 18.5973% | 2,078 |
| Memoranda: | ||
| Average total assets | $268,766,670 | 2,394 |
| Average earning assets | $246,812,330 | 2,410 |
| Average equity | $23,987,000 | 2,833 |
| Average total loans | $129,268,000 | 2,940 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3681% | 5,190 |
| Cost of funding earning assets | 0.1170% | 5,832 |
| Net interest margin | 3.2510% | 4,393 |
| Noninterest income to average assets | 0.7835% | 1,681 |
| Noninterest expense to average assets | 3.1059% | 2,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4888% | 4,679 |
| Return on assets (ROA) | 0.5179% | 4,658 |
| Pretax return on assets | 0.7097% | 4,491 |
| Return on Equity (ROE) | 5.9204% | 4,023 |
| Retained earnings to average equity (ytd only) | -0.2361% | 5,153 |
| Net charge-offs to loans | -1.0044% | 6,044 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2587% | 1,352 |
| Assets per employee ($millions) | 3.5629% | 4,718 |
| Cash dividends to net income (ytd only)* | 103.9886% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 2,395 |
| Loan loss allowance to noncurrent loans | 124.4218% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 3,370 |
| Noncurrent loans to loans | 1.1302% | 2,135 |
| Net loans and leases to total assets | 47.3567% | 5,017 |
| Net loans and leases to deposits | 52.9737% | 5,167 |
| Net loans and leases to core deposits | 54.2001% | 5,242 |
| Total domestic deposits to total assets | 89.3966% | 888 |
| Equity capital to assets | 8.8056% | 5,335 |
| Core capital (leverage) ratio | 9.3158% | 4,473 |
| Tier 1 risk-based capital ratio | 17.5130% | 2,119 |
| Total risk-based capital ratio | 18.7654% | 2,089 |
| Memoranda: | ||
| Average total assets | $271,097,000 | 2,376 |
| Average earning assets | $249,520,000 | 2,389 |
| Average equity | $23,714,500 | 2,856 |
| Average total loans | $127,438,000 | 2,977 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2587% | 5,417 |
| Cost of funding earning assets | 0.1270% | 5,839 |
| Net interest margin | 3.1316% | 4,832 |
| Noninterest income to average assets | 0.8933% | 1,461 |
| Noninterest expense to average assets | 3.0985% | 2,242 |
| Loan and lease loss provision to assets | -0.1140% | 5,872 |
| Net operating income to assets | 0.6381% | 4,097 |
| Return on assets (ROA) | 0.6584% | 4,090 |
| Pretax return on assets | 0.8093% | 4,159 |
| Return on Equity (ROE) | 7.5035% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.5293% | 1,521 |
| Net charge-offs to loans | -0.0690% | 5,662 |
| Credit loss provision to net charge-offs | 361.4458% | 822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2159% | 1,382 |
| Assets per employee ($millions) | 3.5712% | 4,688 |
| Cash dividends to net income (ytd only)* | 12.9833% | 4,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 3,430 |
| Loan loss allowance to noncurrent loans | 107.4786% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5173% | 3,572 |
| Noncurrent loans to loans | 1.1249% | 2,096 |
| Net loans and leases to total assets | 45.4308% | 5,196 |
| Net loans and leases to deposits | 50.6819% | 5,355 |
| Net loans and leases to core deposits | 51.8834% | 5,413 |
| Total domestic deposits to total assets | 89.6390% | 784 |
| Equity capital to assets | 8.6897% | 5,395 |
| Core capital (leverage) ratio | 9.0399% | 4,833 |
| Tier 1 risk-based capital ratio | 18.3896% | 1,860 |
| Total risk-based capital ratio | 19.5243% | 1,850 |
| Memoranda: | ||
| Average total assets | $263,195,600 | 2,394 |
| Average earning assets | $241,663,400 | 2,410 |
| Average equity | $23,095,800 | 2,870 |
| Average total loans | $120,312,600 | 3,045 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3079% | 5,395 |
| Cost of funding earning assets | 0.1300% | 5,917 |
| Net interest margin | 3.1779% | 4,748 |
| Noninterest income to average assets | 0.8736% | 1,534 |
| Noninterest expense to average assets | 3.0312% | 2,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6066% | 4,352 |
| Return on assets (ROA) | 0.6275% | 4,363 |
| Pretax return on assets | 0.7638% | 4,450 |
| Return on Equity (ROE) | 7.1327% | 3,550 |
| Retained earnings to average equity (ytd only) | 5.8268% | 2,351 |
| Net charge-offs to loans | -0.0447% | 5,509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4145% | 1,602 |
| Assets per employee ($millions) | 3.6038% | 4,603 |
| Cash dividends to net income (ytd only)* | 18.3074% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4536% | 2,354 |
| Loan loss allowance to noncurrent loans | 147.1667% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 3,988 |
| Noncurrent loans to loans | 0.9877% | 2,523 |
| Net loans and leases to total assets | 43.1456% | 5,413 |
| Net loans and leases to deposits | 47.9714% | 5,572 |
| Net loans and leases to core deposits | 49.0785% | 5,611 |
| Total domestic deposits to total assets | 89.9404% | 595 |
| Equity capital to assets | 8.4495% | 5,734 |
| Core capital (leverage) ratio | 9.0001% | 4,996 |
| Tier 1 risk-based capital ratio | 18.1231% | 1,998 |
| Total risk-based capital ratio | 19.3792% | 1,961 |
| Memoranda: | ||
| Average total assets | $261,141,250 | 2,434 |
| Average earning assets | $237,972,750 | 2,461 |
| Average equity | $22,973,500 | 2,901 |
| Average total loans | $119,187,250 | 3,088 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3424% | 5,358 |
| Cost of funding earning assets | 0.1333% | 5,961 |
| Net interest margin | 3.2091% | 4,632 |
| Noninterest income to average assets | 0.8033% | 1,764 |
| Noninterest expense to average assets | 2.9880% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6120% | 4,283 |
| Return on assets (ROA) | 0.6398% | 4,283 |
| Pretax return on assets | 0.7877% | 4,355 |
| Return on Equity (ROE) | 7.1705% | 3,512 |
| Retained earnings to average equity (ytd only) | 7.1705% | 1,632 |
| Net charge-offs to loans | -0.1402% | 5,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8662% | 1,783 |
| Assets per employee ($millions) | 3.3432% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 2,192 |
| Loan loss allowance to noncurrent loans | 266.8142% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 4,282 |
| Noncurrent loans to loans | 0.5710% | 3,737 |
| Net loans and leases to total assets | 46.0233% | 5,242 |
| Net loans and leases to deposits | 51.6504% | 5,404 |
| Net loans and leases to core deposits | 52.9050% | 5,489 |
| Total domestic deposits to total assets | 89.1054% | 1,093 |
| Equity capital to assets | 9.1145% | 5,133 |
| Core capital (leverage) ratio | 9.3483% | 4,487 |
| Tier 1 risk-based capital ratio | 18.2325% | 1,998 |
| Total risk-based capital ratio | 19.4846% | 1,962 |
| Memoranda: | ||
| Average total assets | $255,690,000 | 2,495 |
| Average earning assets | $234,086,000 | 2,505 |
| Average equity | $22,815,670 | 2,926 |
| Average total loans | $118,418,670 | 3,116 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2637% | 5,530 |
| Cost of funding earning assets | 0.1343% | 6,035 |
| Net interest margin | 3.1294% | 4,854 |
| Noninterest income to average assets | 0.7127% | 2,113 |
| Noninterest expense to average assets | 2.7868% | 3,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6289% | 4,150 |
| Return on assets (ROA) | 0.6659% | 4,096 |
| Pretax return on assets | 0.8437% | 4,090 |
| Return on Equity (ROE) | 7.5427% | 3,199 |
| Retained earnings to average equity (ytd only) | 7.5427% | 1,746 |
| Net charge-offs to loans | 0.0440% | 2,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 39.3077% | 985 |
| Efficiency ratio | 77.7633% | 2,220 |
| Assets per employee ($millions) | 3.6525% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 2,592 |
| Loan loss allowance to noncurrent loans | 239.9160% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 4,355 |
| Noncurrent loans to loans | 0.6108% | 3,741 |
| Net loans and leases to total assets | 44.4173% | 5,321 |
| Net loans and leases to deposits | 49.6399% | 5,482 |
| Net loans and leases to core deposits | 50.7497% | 5,555 |
| Total domestic deposits to total assets | 89.4789% | 1,001 |
| Equity capital to assets | 8.8367% | 5,458 |
| Core capital (leverage) ratio | 9.1755% | 4,752 |
| Tier 1 risk-based capital ratio | 18.1146% | 2,102 |
| Total risk-based capital ratio | 19.3654% | 2,055 |
| Memoranda: | ||
| Average total assets | $256,495,000 | 2,499 |
| Average earning assets | $235,316,500 | 2,511 |
| Average equity | $22,644,500 | 2,963 |
| Average total loans | $118,255,500 | 3,117 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 5,221 |
| Cost of funding earning assets | 0.1687% | 5,989 |
| Net interest margin | 3.3725% | 4,315 |
| Noninterest income to average assets | 0.8042% | 1,858 |
| Noninterest expense to average assets | 3.3041% | 1,920 |
| Loan and lease loss provision to assets | -0.3566% | 6,403 |
| Net operating income to assets | 0.6391% | 4,194 |
| Return on assets (ROA) | 0.7575% | 3,690 |
| Pretax return on assets | 1.0653% | 3,227 |
| Return on Equity (ROE) | 8.8667% | 2,653 |
| Retained earnings to average equity (ytd only) | 6.3161% | 1,747 |
| Net charge-offs to loans | 0.3802% | 1,129 |
| Credit loss provision to net charge-offs | -199.5565% | 5,623 |
| Earnings coverage of net charge-offs (x) | 3.0333% | 3,999 |
| Efficiency ratio | 85.9085% | 1,184 |
| Assets per employee ($millions) | 3.5231% | 4,866 |
| Cash dividends to net income (ytd only)* | 28.7657% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 2,725 |
| Loan loss allowance to noncurrent loans | 155.0764% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 4,269 |
| Noncurrent loans to loans | 0.9305% | 2,991 |
| Net loans and leases to total assets | 46.4735% | 5,288 |
| Net loans and leases to deposits | 51.8851% | 5,488 |
| Net loans and leases to core deposits | 53.0092% | 5,560 |
| Total domestic deposits to total assets | 89.5700% | 936 |
| Equity capital to assets | 8.8200% | 5,467 |
| Core capital (leverage) ratio | 8.8849% | 5,142 |
| Tier 1 risk-based capital ratio | 17.7079% | 2,232 |
| Total risk-based capital ratio | 18.9593% | 2,203 |
| Memoranda: | ||
| Average total assets | $252,413,400 | 2,498 |
| Average earning assets | $227,665,200 | 2,541 |
| Average equity | $21,563,800 | 2,991 |
| Average total loans | $118,610,800 | 3,072 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5515% | 5,266 |
| Cost of funding earning assets | 0.1740% | 6,042 |
| Net interest margin | 3.3774% | 4,327 |
| Noninterest income to average assets | 0.8319% | 1,767 |
| Noninterest expense to average assets | 3.4038% | 1,650 |
| Loan and lease loss provision to assets | -0.2644% | 6,438 |
| Net operating income to assets | 0.5216% | 4,793 |
| Return on assets (ROA) | 0.6770% | 4,156 |
| Pretax return on assets | 0.9462% | 3,804 |
| Return on Equity (ROE) | 7.9892% | 3,212 |
| Retained earnings to average equity (ytd only) | 5.4926% | 2,760 |
| Net charge-offs to loans | 0.5227% | 733 |
| Credit loss provision to net charge-offs | -107.7586% | 5,469 |
| Earnings coverage of net charge-offs (x) | 1.8987% | 4,044 |
| Efficiency ratio | 87.9595% | 1,005 |
| Assets per employee ($millions) | 3.6135% | 4,653 |
| Cash dividends to net income (ytd only)* | 31.2501% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 1,661 |
| Loan loss allowance to noncurrent loans | 174.5455% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 4,309 |
| Noncurrent loans to loans | 1.0397% | 2,994 |
| Net loans and leases to total assets | 43.3168% | 5,574 |
| Net loans and leases to deposits | 48.0539% | 5,760 |
| Net loans and leases to core deposits | 49.3400% | 5,822 |
| Total domestic deposits to total assets | 90.1421% | 664 |
| Equity capital to assets | 8.2979% | 5,942 |
| Core capital (leverage) ratio | 8.6461% | 5,501 |
| Tier 1 risk-based capital ratio | 17.0652% | 2,594 |
| Total risk-based capital ratio | 18.3204% | 2,540 |
| Memoranda: | ||
| Average total assets | $252,101,000 | 2,520 |
| Average earning assets | $226,754,000 | 2,571 |
| Average equity | $21,361,500 | 3,018 |
| Average total loans | $118,360,500 | 3,089 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5232% | 5,362 |
| Cost of funding earning assets | 0.1817% | 6,062 |
| Net interest margin | 3.3416% | 4,434 |
| Noninterest income to average assets | 0.8509% | 1,656 |
| Noninterest expense to average assets | 3.2304% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4394% | 5,059 |
| Return on assets (ROA) | 0.6680% | 4,103 |
| Pretax return on assets | 0.9315% | 3,752 |
| Return on Equity (ROE) | 7.8260% | 3,195 |
| Retained earnings to average equity (ytd only) | 4.0499% | 3,601 |
| Net charge-offs to loans | 0.7831% | 485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.6352% | 3,753 |
| Efficiency ratio | 84.0285% | 1,510 |
| Assets per employee ($millions) | 3.3265% | 5,209 |
| Cash dividends to net income (ytd only)* | 48.2509% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2239% | 991 |
| Loan loss allowance to noncurrent loans | 175.1678% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6748% | 3,971 |
| Noncurrent loans to loans | 1.2696% | 2,685 |
| Net loans and leases to total assets | 46.6153% | 5,302 |
| Net loans and leases to deposits | 52.0817% | 5,494 |
| Net loans and leases to core deposits | 53.6526% | 5,577 |
| Total domestic deposits to total assets | 89.5042% | 1,089 |
| Equity capital to assets | 8.7551% | 5,565 |
| Core capital (leverage) ratio | 8.7923% | 5,278 |
| Tier 1 risk-based capital ratio | 16.9785% | 2,629 |
| Total risk-based capital ratio | 18.2382% | 2,581 |
| Memoranda: | ||
| Average total assets | $248,205,000 | 2,562 |
| Average earning assets | $222,351,670 | 2,622 |
| Average equity | $21,185,670 | 3,035 |
| Average total loans | $119,021,670 | 3,083 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5328% | 5,344 |
| Cost of funding earning assets | 0.1872% | 6,097 |
| Net interest margin | 3.3456% | 4,349 |
| Noninterest income to average assets | 1.0208% | 1,085 |
| Noninterest expense to average assets | 3.1490% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5946% | 4,225 |
| Return on assets (ROA) | 1.0159% | 2,214 |
| Pretax return on assets | 1.4573% | 1,562 |
| Return on Equity (ROE) | 12.0557% | 1,390 |
| Retained earnings to average equity (ytd only) | 7.2944% | 1,908 |
| Net charge-offs to loans | 1.3884% | 234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.2813% | 3,127 |
| Efficiency ratio | 78.6373% | 2,384 |
| Assets per employee ($millions) | 3.4345% | 5,067 |
| Cash dividends to net income (ytd only)* | 39.4945% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2694% | 1,073 |
| Loan loss allowance to noncurrent loans | 169.0597% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 4,004 |
| Noncurrent loans to loans | 1.3424% | 2,797 |
| Net loans and leases to total assets | 45.7061% | 5,358 |
| Net loans and leases to deposits | 50.9112% | 5,529 |
| Net loans and leases to core deposits | 52.3279% | 5,599 |
| Total domestic deposits to total assets | 89.7762% | 1,190 |
| Equity capital to assets | 8.5295% | 5,626 |
| Core capital (leverage) ratio | 8.7045% | 5,374 |
| Tier 1 risk-based capital ratio | 16.7946% | 2,777 |
| Total risk-based capital ratio | 18.0548% | 2,735 |
| Memoranda: | ||
| Average total assets | $249,225,500 | 2,564 |
| Average earning assets | $222,259,500 | 2,634 |
| Average equity | $21,002,500 | 3,051 |
| Average total loans | $119,852,500 | 3,075 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4612% | 5,708 |
| Cost of funding earning assets | 0.3160% | 5,460 |
| Net interest margin | 3.1452% | 5,179 |
| Noninterest income to average assets | 0.9460% | 1,536 |
| Noninterest expense to average assets | 3.1323% | 2,637 |
| Loan and lease loss provision to assets | -0.1579% | 6,556 |
| Net operating income to assets | 0.5709% | 4,407 |
| Return on assets (ROA) | 1.0778% | 2,093 |
| Pretax return on assets | 1.5257% | 1,360 |
| Return on Equity (ROE) | 13.8046% | 994 |
| Retained earnings to average equity (ytd only) | 12.2882% | 286 |
| Net charge-offs to loans | 0.1393% | 3,413 |
| Credit loss provision to net charge-offs | -248.4472% | 6,019 |
| Earnings coverage of net charge-offs (x) | 10.2919% | 2,394 |
| Efficiency ratio | 82.7288% | 1,785 |
| Assets per employee ($millions) | 3.3031% | 5,288 |
| Cash dividends to net income (ytd only)* | 10.9850% | 4,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5129% | 819 |
| Loan loss allowance to noncurrent loans | 141.0174% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 1.1480% | 3,101 |
| Noncurrent loans to loans | 1.7820% | 2,254 |
| Net loans and leases to total assets | 48.1863% | 5,279 |
| Net loans and leases to deposits | 53.5274% | 5,507 |
| Net loans and leases to core deposits | 54.8698% | 5,621 |
| Total domestic deposits to total assets | 90.0219% | 1,060 |
| Equity capital to assets | 8.3235% | 5,767 |
| Core capital (leverage) ratio | 8.4693% | 5,705 |
| Tier 1 risk-based capital ratio | 15.7221% | 3,241 |
| Total risk-based capital ratio | 16.9853% | 3,188 |
| Memoranda: | ||
| Average total assets | $253,388,800 | 2,498 |
| Average earning assets | $228,823,200 | 2,525 |
| Average equity | $19,783,200 | 3,178 |
| Average total loans | $115,618,000 | 3,136 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4193% | 5,843 |
| Cost of funding earning assets | 0.3506% | 5,287 |
| Net interest margin | 3.0687% | 5,404 |
| Noninterest income to average assets | 1.0136% | 1,417 |
| Noninterest expense to average assets | 3.1014% | 2,644 |
| Loan and lease loss provision to assets | -0.2093% | 6,727 |
| Net operating income to assets | 0.6312% | 4,210 |
| Return on assets (ROA) | 1.2736% | 1,492 |
| Pretax return on assets | 1.8147% | 871 |
| Return on Equity (ROE) | 16.5794% | 581 |
| Retained earnings to average equity (ytd only) | 15.5577% | 173 |
| Net charge-offs to loans | 0.2025% | 2,612 |
| Credit loss provision to net charge-offs | -231.2139% | 5,923 |
| Earnings coverage of net charge-offs (x) | 7.5954% | 2,776 |
| Efficiency ratio | 81.8533% | 1,840 |
| Assets per employee ($millions) | 3.3293% | 5,229 |
| Cash dividends to net income (ytd only)* | 6.1629% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5693% | 863 |
| Loan loss allowance to noncurrent loans | 116.6286% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.3212% | 3,002 |
| Noncurrent loans to loans | 2.2030% | 2,011 |
| Net loans and leases to total assets | 46.5480% | 5,489 |
| Net loans and leases to deposits | 51.6030% | 5,739 |
| Net loans and leases to core deposits | 52.8177% | 5,842 |
| Total domestic deposits to total assets | 90.2040% | 893 |
| Equity capital to assets | 8.0642% | 6,108 |
| Core capital (leverage) ratio | 8.3069% | 5,966 |
| Tier 1 risk-based capital ratio | 16.0202% | 3,182 |
| Total risk-based capital ratio | 17.1462% | 3,199 |
| Memoranda: | ||
| Average total assets | $254,803,000 | 2,499 |
| Average earning assets | $230,450,750 | 2,530 |
| Average equity | $19,574,000 | 3,236 |
| Average total loans | $113,910,000 | 3,185 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3536% | 5,999 |
| Cost of funding earning assets | 0.3926% | 5,006 |
| Net interest margin | 2.9610% | 5,671 |
| Noninterest income to average assets | 0.9848% | 1,571 |
| Noninterest expense to average assets | 3.0331% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4300% | 5,109 |
| Return on assets (ROA) | 1.2709% | 1,500 |
| Pretax return on assets | 1.8464% | 828 |
| Return on Equity (ROE) | 16.8157% | 575 |
| Retained earnings to average equity (ytd only) | 16.8157% | 165 |
| Net charge-offs to loans | 0.3229% | 1,890 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.4475% | 3,125 |
| Efficiency ratio | 82.8541% | 1,779 |
| Assets per employee ($millions) | 3.3592% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9876% | 592 |
| Loan loss allowance to noncurrent loans | 127.2828% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.4234% | 2,965 |
| Noncurrent loans to loans | 2.3472% | 2,006 |
| Net loans and leases to total assets | 44.5558% | 5,695 |
| Net loans and leases to deposits | 49.3400% | 5,895 |
| Net loans and leases to core deposits | 50.5466% | 5,989 |
| Total domestic deposits to total assets | 90.3036% | 858 |
| Equity capital to assets | 7.9459% | 6,237 |
| Core capital (leverage) ratio | 7.9387% | 6,224 |
| Tier 1 risk-based capital ratio | 15.6870% | 3,372 |
| Total risk-based capital ratio | 16.8979% | 3,344 |
| Memoranda: | ||
| Average total assets | $256,505,670 | 2,491 |
| Average earning assets | $231,811,000 | 2,522 |
| Average equity | $19,386,670 | 3,284 |
| Average total loans | $112,115,670 | 3,224 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3173% | 6,121 |
| Cost of funding earning assets | 0.3976% | 5,127 |
| Net interest margin | 2.9197% | 5,773 |
| Noninterest income to average assets | 0.8300% | 1,997 |
| Noninterest expense to average assets | 2.9476% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3691% | 5,267 |
| Return on assets (ROA) | 0.9707% | 2,479 |
| Pretax return on assets | 1.3865% | 1,900 |
| Return on Equity (ROE) | 13.1722% | 1,123 |
| Retained earnings to average equity (ytd only) | 13.1722% | 532 |
| Net charge-offs to loans | 0.0036% | 4,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 341.0000% | 112 |
| Efficiency ratio | 84.8310% | 1,660 |
| Assets per employee ($millions) | 3.5650% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2988% | 495 |
| Loan loss allowance to noncurrent loans | 118.3149% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 1.6078% | 2,852 |
| Noncurrent loans to loans | 2.7881% | 1,820 |
| Net loans and leases to total assets | 41.5365% | 5,877 |
| Net loans and leases to deposits | 45.7585% | 6,071 |
| Net loans and leases to core deposits | 46.8471% | 6,159 |
| Total domestic deposits to total assets | 90.7733% | 629 |
| Equity capital to assets | 7.5799% | 6,566 |
| Core capital (leverage) ratio | 7.1547% | 6,595 |
| Tier 1 risk-based capital ratio | 15.0706% | 3,790 |
| Total risk-based capital ratio | 16.3233% | 3,744 |
| Memoranda: | ||
| Average total assets | $258,788,500 | 2,501 |
| Average earning assets | $234,407,500 | 2,525 |
| Average equity | $19,070,500 | 3,366 |
| Average total loans | $110,318,000 | 3,279 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6140% | 6,203 |
| Cost of funding earning assets | 0.4676% | 5,435 |
| Net interest margin | 3.1464% | 5,703 |
| Noninterest income to average assets | 1.1033% | 1,274 |
| Noninterest expense to average assets | 2.9268% | 3,541 |
| Loan and lease loss provision to assets | 0.3953% | 1,648 |
| Net operating income to assets | 0.4733% | 4,789 |
| Return on assets (ROA) | 0.5546% | 4,707 |
| Pretax return on assets | 0.7417% | 4,512 |
| Return on Equity (ROE) | 7.7092% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.5732% | 1,296 |
| Net charge-offs to loans | 0.6137% | 1,903 |
| Credit loss provision to net charge-offs | 142.0534% | 1,927 |
| Earnings coverage of net charge-offs (x) | 3.6962% | 3,630 |
| Efficiency ratio | 73.9956% | 3,071 |
| Assets per employee ($millions) | 3.5739% | 4,845 |
| Cash dividends to net income (ytd only)* | 1.7643% | 4,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2958% | 509 |
| Loan loss allowance to noncurrent loans | 78.2871% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 2.1480% | 2,275 |
| Noncurrent loans to loans | 4.2099% | 1,071 |
| Net loans and leases to total assets | 40.9146% | 6,102 |
| Net loans and leases to deposits | 44.8701% | 6,317 |
| Net loans and leases to core deposits | 45.8623% | 6,381 |
| Total domestic deposits to total assets | 91.1846% | 435 |
| Equity capital to assets | 7.1618% | 6,735 |
| Core capital (leverage) ratio | 6.9231% | 6,726 |
| Tier 1 risk-based capital ratio | 14.7007% | 3,896 |
| Total risk-based capital ratio | 15.9723% | 3,835 |
| Memoranda: | ||
| Average total assets | $255,498,600 | 2,486 |
| Average earning assets | $231,597,000 | 2,486 |
| Average equity | $18,380,600 | 3,425 |
| Average total loans | $115,861,800 | 3,165 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 6,228 |
| Cost of funding earning assets | 0.4783% | 5,576 |
| Net interest margin | 3.2167% | 5,659 |
| Noninterest income to average assets | 1.1305% | 1,181 |
| Noninterest expense to average assets | 2.9384% | 3,452 |
| Loan and lease loss provision to assets | 0.5036% | 1,216 |
| Net operating income to assets | 0.4483% | 5,045 |
| Return on assets (ROA) | 0.5561% | 4,856 |
| Pretax return on assets | 0.7429% | 4,695 |
| Return on Equity (ROE) | 7.7211% | 3,411 |
| Retained earnings to average equity (ytd only) | 7.5390% | 1,834 |
| Net charge-offs to loans | 0.8314% | 1,319 |
| Credit loss provision to net charge-offs | 131.3269% | 2,191 |
| Earnings coverage of net charge-offs (x) | 2.8755% | 3,890 |
| Efficiency ratio | 72.7119% | 3,197 |
| Assets per employee ($millions) | 3.6921% | 4,559 |
| Cash dividends to net income (ytd only)* | 2.3583% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2199% | 589 |
| Loan loss allowance to noncurrent loans | 78.8334% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 2.0794% | 2,554 |
| Noncurrent loans to loans | 4.0844% | 1,238 |
| Net loans and leases to total assets | 40.9109% | 6,208 |
| Net loans and leases to deposits | 44.8462% | 6,462 |
| Net loans and leases to core deposits | 45.7762% | 6,523 |
| Total domestic deposits to total assets | 91.2249% | 350 |
| Equity capital to assets | 7.1569% | 6,854 |
| Core capital (leverage) ratio | 6.7171% | 6,842 |
| Tier 1 risk-based capital ratio | 14.3530% | 4,294 |
| Total risk-based capital ratio | 15.5664% | 4,286 |
| Memoranda: | ||
| Average total assets | $254,149,000 | 2,515 |
| Average earning assets | $229,961,750 | 2,527 |
| Average equity | $18,304,500 | 3,467 |
| Average total loans | $117,231,500 | 3,178 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7896% | 6,163 |
| Cost of funding earning assets | 0.4892% | 5,687 |
| Net interest margin | 3.3004% | 5,440 |
| Noninterest income to average assets | 1.1945% | 999 |
| Noninterest expense to average assets | 2.9783% | 3,339 |
| Loan and lease loss provision to assets | 0.6839% | 820 |
| Net operating income to assets | 0.3837% | 5,274 |
| Return on assets (ROA) | 0.5471% | 4,873 |
| Pretax return on assets | 0.7277% | 4,745 |
| Return on Equity (ROE) | 7.5803% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.3048% | 1,951 |
| Net charge-offs to loans | 0.3703% | 2,537 |
| Credit loss provision to net charge-offs | 389.1403% | 762 |
| Earnings coverage of net charge-offs (x) | 6.7919% | 2,577 |
| Efficiency ratio | 71.3877% | 3,537 |
| Assets per employee ($millions) | 3.4084% | 5,197 |
| Cash dividends to net income (ytd only)* | 3.6337% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3662% | 561 |
| Loan loss allowance to noncurrent loans | 77.4081% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 2.4443% | 2,284 |
| Noncurrent loans to loans | 4.3487% | 1,236 |
| Net loans and leases to total assets | 45.2756% | 5,895 |
| Net loans and leases to deposits | 49.7766% | 6,196 |
| Net loans and leases to core deposits | 50.8498% | 6,308 |
| Total domestic deposits to total assets | 90.9576% | 461 |
| Equity capital to assets | 7.3003% | 6,846 |
| Core capital (leverage) ratio | 6.8271% | 6,859 |
| Tier 1 risk-based capital ratio | 13.5176% | 4,809 |
| Total risk-based capital ratio | 14.7909% | 4,755 |
| Memoranda: | ||
| Average total assets | $251,486,000 | 2,533 |
| Average earning assets | $226,883,000 | 2,564 |
| Average equity | $18,152,330 | 3,477 |
| Average total loans | $119,371,670 | 3,147 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8822% | 6,060 |
| Cost of funding earning assets | 0.5030% | 5,795 |
| Net interest margin | 3.3792% | 5,200 |
| Noninterest income to average assets | 1.4320% | 707 |
| Noninterest expense to average assets | 2.9644% | 3,409 |
| Loan and lease loss provision to assets | 1.1309% | 349 |
| Net operating income to assets | 0.2807% | 5,718 |
| Return on assets (ROA) | 0.5830% | 4,646 |
| Pretax return on assets | 0.7789% | 4,494 |
| Return on Equity (ROE) | 8.1234% | 3,233 |
| Retained earnings to average equity (ytd only) | 8.1234% | 1,938 |
| Net charge-offs to loans | 0.8169% | 1,258 |
| Credit loss provision to net charge-offs | 289.7959% | 1,018 |
| Earnings coverage of net charge-offs (x) | 3.8612% | 2,723 |
| Efficiency ratio | 66.2985% | 4,504 |
| Assets per employee ($millions) | 3.3615% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1780% | 699 |
| Loan loss allowance to noncurrent loans | 73.5072% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 2.5112% | 2,359 |
| Noncurrent loans to loans | 4.3233% | 1,377 |
| Net loans and leases to total assets | 45.9702% | 5,782 |
| Net loans and leases to deposits | 50.4681% | 6,099 |
| Net loans and leases to core deposits | 51.4942% | 6,242 |
| Total domestic deposits to total assets | 91.0876% | 514 |
| Equity capital to assets | 7.1616% | 6,888 |
| Core capital (leverage) ratio | 6.5617% | 6,959 |
| Tier 1 risk-based capital ratio | 13.1351% | 5,105 |
| Total risk-based capital ratio | 14.4076% | 5,060 |
| Memoranda: | ||
| Average total assets | $251,117,000 | 2,554 |
| Average earning assets | $225,849,500 | 2,588 |
| Average equity | $18,022,000 | 3,503 |
| Average total loans | $119,970,500 | 3,157 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 6,205 |
| Cost of funding earning assets | 0.6348% | 5,898 |
| Net interest margin | 3.5046% | 5,129 |
| Noninterest income to average assets | 0.2170% | 5,967 |
| Noninterest expense to average assets | 3.1137% | 3,152 |
| Loan and lease loss provision to assets | 1.1874% | 745 |
| Net operating income to assets | -0.5468% | 6,522 |
| Return on assets (ROA) | -1.0539% | 6,786 |
| Pretax return on assets | -1.7215% | 6,950 |
| Return on Equity (ROE) | -13.3193% | 6,845 |
| Retained earnings to average equity (ytd only) | -13.4437% | 6,822 |
| Net charge-offs to loans | 1.6116% | 978 |
| Credit loss provision to net charge-offs | 148.5222% | 1,913 |
| Earnings coverage of net charge-offs (x) | 0.3232% | 5,585 |
| Efficiency ratio | 92.3382% | 1,025 |
| Assets per employee ($millions) | 3.3350% | 5,417 |
| Cash dividends to net income (ytd only)* | -0.9342% | 7,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7769% | 1,003 |
| Loan loss allowance to noncurrent loans | 168.8069% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 1.4305% | 3,845 |
| Noncurrent loans to loans | 1.6450% | 3,698 |
| Net loans and leases to total assets | 46.7378% | 5,942 |
| Net loans and leases to deposits | 51.2834% | 6,270 |
| Net loans and leases to core deposits | 52.3306% | 6,412 |
| Total domestic deposits to total assets | 91.1364% | 449 |
| Equity capital to assets | 7.1920% | 6,907 |
| Core capital (leverage) ratio | 6.1960% | 7,032 |
| Tier 1 risk-based capital ratio | 12.7086% | 5,299 |
| Total risk-based capital ratio | 13.9770% | 5,266 |
| Memoranda: | ||
| Average total assets | $253,911,200 | 2,482 |
| Average earning assets | $228,582,400 | 2,524 |
| Average equity | $20,091,200 | 3,127 |
| Average total loans | $125,958,600 | 3,061 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 6,296 |
| Cost of funding earning assets | 0.6664% | 5,954 |
| Net interest margin | 3.4956% | 5,209 |
| Noninterest income to average assets | 0.0492% | 6,959 |
| Noninterest expense to average assets | 3.1295% | 3,059 |
| Loan and lease loss provision to assets | 1.0332% | 819 |
| Net operating income to assets | -0.5616% | 6,670 |
| Return on assets (ROA) | -0.7193% | 6,799 |
| Pretax return on assets | -1.2122% | 6,947 |
| Return on Equity (ROE) | -8.8922% | 6,858 |
| Retained earnings to average equity (ytd only) | -9.0539% | 6,818 |
| Net charge-offs to loans | 1.4297% | 1,033 |
| Credit loss provision to net charge-offs | 144.5827% | 2,194 |
| Earnings coverage of net charge-offs (x) | 0.0944% | 5,530 |
| Efficiency ratio | 97.8891% | 742 |
| Assets per employee ($millions) | 3.3312% | 5,415 |
| Cash dividends to net income (ytd only)* | -1.8180% | 7,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3713% | 1,584 |
| Loan loss allowance to noncurrent loans | 86.4352% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 2.4227% | 2,659 |
| Noncurrent loans to loans | 2.7435% | 2,552 |
| Net loans and leases to total assets | 46.9484% | 6,059 |
| Net loans and leases to deposits | 51.7504% | 6,388 |
| Net loans and leases to core deposits | 52.6099% | 6,535 |
| Total domestic deposits to total assets | 90.7209% | 543 |
| Equity capital to assets | 7.5607% | 6,914 |
| Core capital (leverage) ratio | 7.3145% | 6,849 |
| Tier 1 risk-based capital ratio | 14.6879% | 3,842 |
| Total risk-based capital ratio | 15.8988% | 3,844 |
| Memoranda: | ||
| Average total assets | $254,857,750 | 2,484 |
| Average earning assets | $229,500,500 | 2,519 |
| Average equity | $20,616,750 | 3,061 |
| Average total loans | $127,387,750 | 3,057 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 6,349 |
| Cost of funding earning assets | 0.6889% | 6,022 |
| Net interest margin | 3.4786% | 5,255 |
| Noninterest income to average assets | 0.6272% | 2,965 |
| Noninterest expense to average assets | 3.0158% | 3,576 |
| Loan and lease loss provision to assets | 0.5529% | 1,754 |
| Net operating income to assets | 0.2338% | 5,617 |
| Return on assets (ROA) | 0.2330% | 5,741 |
| Pretax return on assets | 0.2125% | 5,908 |
| Return on Equity (ROE) | 2.8175% | 5,474 |
| Retained earnings to average equity (ytd only) | 2.5787% | 4,656 |
| Net charge-offs to loans | 1.5039% | 985 |
| Credit loss provision to net charge-offs | 72.6141% | 3,997 |
| Earnings coverage of net charge-offs (x) | 1.0062% | 4,541 |
| Efficiency ratio | 79.7410% | 2,429 |
| Assets per employee ($millions) | 3.2239% | 5,591 |
| Cash dividends to net income (ytd only)* | 8.4746% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 3,510 |
| Loan loss allowance to noncurrent loans | 69.7131% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 2.9999% | 2,235 |
| Noncurrent loans to loans | 2.3615% | 3,028 |
| Net loans and leases to total assets | 50.2997% | 5,782 |
| Net loans and leases to deposits | 56.0887% | 6,129 |
| Net loans and leases to core deposits | 57.0721% | 6,343 |
| Total domestic deposits to total assets | 89.6789% | 1,130 |
| Equity capital to assets | 8.5679% | 6,105 |
| Core capital (leverage) ratio | 8.5332% | 5,500 |
| Tier 1 risk-based capital ratio | 16.5305% | 2,726 |
| Total risk-based capital ratio | 17.7846% | 2,678 |
| Memoranda: | ||
| Average total assets | $253,199,670 | 2,512 |
| Average earning assets | $229,629,670 | 2,528 |
| Average equity | $20,940,670 | 3,009 |
| Average total loans | $128,200,330 | 3,071 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 6,423 |
| Cost of funding earning assets | 0.6986% | 6,151 |
| Net interest margin | 3.4395% | 5,263 |
| Noninterest income to average assets | 0.6868% | 2,645 |
| Noninterest expense to average assets | 3.0350% | 3,504 |
| Loan and lease loss provision to assets | 0.4693% | 1,872 |
| Net operating income to assets | 0.2893% | 5,460 |
| Return on assets (ROA) | 0.2879% | 5,540 |
| Pretax return on assets | 0.3082% | 5,632 |
| Return on Equity (ROE) | 3.5425% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.5425% | 4,064 |
| Net charge-offs to loans | 2.5120% | 456 |
| Credit loss provision to net charge-offs | 37.0828% | 3,999 |
| Earnings coverage of net charge-offs (x) | 0.6156% | 4,169 |
| Efficiency ratio | 79.5734% | 2,607 |
| Assets per employee ($millions) | 3.4169% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 4,381 |
| Loan loss allowance to noncurrent loans | 46.9346% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 3.2474% | 2,113 |
| Noncurrent loans to loans | 3.1166% | 2,408 |
| Net loans and leases to total assets | 48.4983% | 6,018 |
| Net loans and leases to deposits | 53.7939% | 6,304 |
| Net loans and leases to core deposits | 54.7585% | 6,507 |
| Total domestic deposits to total assets | 90.1557% | 1,056 |
| Equity capital to assets | 8.1680% | 6,322 |
| Core capital (leverage) ratio | 8.2272% | 5,941 |
| Tier 1 risk-based capital ratio | 16.1218% | 2,850 |
| Total risk-based capital ratio | 17.3739% | 2,818 |
| Memoranda: | ||
| Average total assets | $255,679,500 | 2,514 |
| Average earning assets | $232,478,000 | 2,518 |
| Average equity | $20,776,500 | 3,016 |
| Average total loans | $128,823,500 | 3,087 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5186% | 6,344 |
| Cost of funding earning assets | 0.9145% | 6,111 |
| Net interest margin | 3.6041% | 4,800 |
| Noninterest income to average assets | 0.6678% | 3,033 |
| Noninterest expense to average assets | 3.2092% | 3,054 |
| Loan and lease loss provision to assets | 0.7011% | 2,338 |
| Net operating income to assets | 0.1301% | 5,502 |
| Return on assets (ROA) | 0.1321% | 5,645 |
| Pretax return on assets | 0.0309% | 5,833 |
| Return on Equity (ROE) | 1.6070% | 5,524 |
| Retained earnings to average equity (ytd only) | 1.6070% | 4,717 |
| Net charge-offs to loans | 1.5996% | 1,358 |
| Credit loss provision to net charge-offs | 77.6703% | 5,643 |
| Earnings coverage of net charge-offs (x) | 0.8088% | 5,322 |
| Efficiency ratio | 81.4666% | 2,226 |
| Assets per employee ($millions) | 3.4472% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7899% | 2,897 |
| Loan loss allowance to noncurrent loans | 33.6719% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 3.5948% | 1,917 |
| Noncurrent loans to loans | 5.3157% | 1,243 |
| Net loans and leases to total assets | 50.6339% | 6,095 |
| Net loans and leases to deposits | 56.1135% | 6,435 |
| Net loans and leases to core deposits | 57.4383% | 6,603 |
| Total domestic deposits to total assets | 90.2348% | 968 |
| Equity capital to assets | 8.0838% | 6,402 |
| Core capital (leverage) ratio | 8.3049% | 5,678 |
| Tier 1 risk-based capital ratio | 15.6517% | 2,928 |
| Total risk-based capital ratio | 16.9070% | 2,879 |
| Memoranda: | ||
| Average total assets | $252,023,600 | 2,526 |
| Average earning assets | $228,766,000 | 2,538 |
| Average equity | $20,722,000 | 3,050 |
| Average total loans | $142,226,200 | 2,901 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 6,344 |
| Cost of funding earning assets | 0.9597% | 6,133 |
| Net interest margin | 3.6350% | 4,702 |
| Noninterest income to average assets | 0.6851% | 2,907 |
| Noninterest expense to average assets | 3.1892% | 2,962 |
| Loan and lease loss provision to assets | 0.2786% | 4,350 |
| Net operating income to assets | 0.4598% | 4,492 |
| Return on assets (ROA) | 0.4622% | 4,664 |
| Pretax return on assets | 0.5163% | 4,871 |
| Return on Equity (ROE) | 5.5974% | 4,006 |
| Retained earnings to average equity (ytd only) | 5.5974% | 2,594 |
| Net charge-offs to loans | 2.0602% | 905 |
| Credit loss provision to net charge-offs | 23.4480% | 6,218 |
| Earnings coverage of net charge-offs (x) | 0.6668% | 5,378 |
| Efficiency ratio | 80.1013% | 2,322 |
| Assets per employee ($millions) | 3.5241% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8410% | 6,913 |
| Loan loss allowance to noncurrent loans | 23.7435% | 6,721 |
| Noncurrent assets plus other real estate owned to assets | 3.0458% | 2,380 |
| Noncurrent loans to loans | 3.5421% | 2,218 |
| Net loans and leases to total assets | 51.9025% | 6,115 |
| Net loans and leases to deposits | 57.5267% | 6,504 |
| Net loans and leases to core deposits | 58.5755% | 6,699 |
| Total domestic deposits to total assets | 90.2234% | 764 |
| Equity capital to assets | 8.1351% | 6,685 |
| Core capital (leverage) ratio | 8.6013% | 5,343 |
| Tier 1 risk-based capital ratio | 15.9336% | 2,792 |
| Total risk-based capital ratio | 16.7707% | 2,956 |
| Memoranda: | ||
| Average total assets | $251,257,000 | 2,569 |
| Average earning assets | $227,854,250 | 2,585 |
| Average equity | $20,747,250 | 3,079 |
| Average total loans | $144,903,750 | 2,895 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 5,968 |
| Cost of funding earning assets | 1.0056% | 6,107 |
| Net interest margin | 3.7463% | 4,153 |
| Noninterest income to average assets | 0.7868% | 2,190 |
| Noninterest expense to average assets | 3.1393% | 3,149 |
| Loan and lease loss provision to assets | 0.3023% | 3,980 |
| Net operating income to assets | 0.6278% | 3,742 |
| Return on assets (ROA) | 0.6312% | 3,868 |
| Pretax return on assets | 0.7401% | 4,105 |
| Return on Equity (ROE) | 7.6051% | 3,057 |
| Retained earnings to average equity (ytd only) | 7.6051% | 1,596 |
| Net charge-offs to loans | 2.7393% | 605 |
| Credit loss provision to net charge-offs | 18.5368% | 5,870 |
| Earnings coverage of net charge-offs (x) | 0.6367% | 5,102 |
| Efficiency ratio | 75.1447% | 3,236 |
| Assets per employee ($millions) | 3.2665% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 6,910 |
| Loan loss allowance to noncurrent loans | 26.2090% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 2.9148% | 2,468 |
| Noncurrent loans to loans | 3.2408% | 2,472 |
| Net loans and leases to total assets | 57.8440% | 5,442 |
| Net loans and leases to deposits | 64.5975% | 5,968 |
| Net loans and leases to core deposits | 65.1810% | 6,298 |
| Total domestic deposits to total assets | 89.5453% | 1,150 |
| Equity capital to assets | 8.5938% | 6,027 |
| Core capital (leverage) ratio | 8.8175% | 4,888 |
| Tier 1 risk-based capital ratio | 15.0882% | 3,114 |
| Total risk-based capital ratio | 15.9299% | 3,313 |
| Memoranda: | ||
| Average total assets | $248,081,000 | 2,618 |
| Average earning assets | $224,542,000 | 2,631 |
| Average equity | $20,591,330 | 3,097 |
| Average total loans | $147,704,330 | 2,873 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6884% | 6,285 |
| Cost of funding earning assets | 1.0373% | 6,183 |
| Net interest margin | 3.6510% | 4,482 |
| Noninterest income to average assets | 0.6217% | 3,136 |
| Noninterest expense to average assets | 3.1743% | 2,958 |
| Loan and lease loss provision to assets | 0.3605% | 3,212 |
| Net operating income to assets | 0.3550% | 5,055 |
| Return on assets (ROA) | 0.3621% | 5,140 |
| Pretax return on assets | 0.4054% | 5,276 |
| Return on Equity (ROE) | 4.4401% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.4401% | 3,491 |
| Net charge-offs to loans | 0.1306% | 4,181 |
| Credit loss provision to net charge-offs | 459.1837% | 920 |
| Earnings coverage of net charge-offs (x) | 9.6531% | 1,826 |
| Efficiency ratio | 80.7253% | 2,451 |
| Assets per employee ($millions) | 3.3300% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0368% | 2,088 |
| Loan loss allowance to noncurrent loans | 37.1712% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 4.2666% | 1,597 |
| Noncurrent loans to loans | 5.4796% | 1,282 |
| Net loans and leases to total assets | 58.5043% | 5,346 |
| Net loans and leases to deposits | 64.9729% | 5,944 |
| Net loans and leases to core deposits | 65.6738% | 6,313 |
| Total domestic deposits to total assets | 90.0441% | 966 |
| Equity capital to assets | 8.1878% | 6,447 |
| Core capital (leverage) ratio | 8.4716% | 5,422 |
| Tier 1 risk-based capital ratio | 14.0589% | 3,620 |
| Total risk-based capital ratio | 15.3180% | 3,575 |
| Memoranda: | ||
| Average total assets | $249,626,500 | 2,657 |
| Average earning assets | $226,348,000 | 2,671 |
| Average equity | $20,360,000 | 3,161 |
| Average total loans | $150,093,500 | 2,896 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2433% | 5,441 |
| Cost of funding earning assets | 1.5082% | 5,477 |
| Net interest margin | 3.7351% | 3,976 |
| Noninterest income to average assets | 0.6291% | 3,431 |
| Noninterest expense to average assets | 3.2759% | 3,100 |
| Loan and lease loss provision to assets | 0.6711% | 3,131 |
| Net operating income to assets | 0.1432% | 5,072 |
| Return on assets (ROA) | 0.8287% | 2,507 |
| Pretax return on assets | 0.7400% | 3,444 |
| Return on Equity (ROE) | 11.3111% | 1,352 |
| Retained earnings to average equity (ytd only) | 11.3111% | 263 |
| Net charge-offs to loans | 0.5331% | 3,650 |
| Credit loss provision to net charge-offs | 201.2835% | 1,935 |
| Earnings coverage of net charge-offs (x) | 2.1762% | 4,090 |
| Efficiency ratio | 81.8668% | 2,621 |
| Assets per employee ($millions) | 3.3267% | 5,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8956% | 2,269 |
| Loan loss allowance to noncurrent loans | 35.0086% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 4.3435% | 1,505 |
| Noncurrent loans to loans | 5.4147% | 1,205 |
| Net loans and leases to total assets | 59.3867% | 5,436 |
| Net loans and leases to deposits | 65.9678% | 6,052 |
| Net loans and leases to core deposits | 74.2850% | 6,517 |
| Total domestic deposits to total assets | 90.0237% | 945 |
| Equity capital to assets | 8.1246% | 6,435 |
| Core capital (leverage) ratio | 8.3654% | 5,510 |
| Tier 1 risk-based capital ratio | 13.6275% | 3,738 |
| Total risk-based capital ratio | 14.8833% | 3,671 |
| Memoranda: | ||
| Average total assets | $257,027,800 | 2,547 |
| Average earning assets | $232,067,400 | 2,577 |
| Average equity | $18,831,000 | 3,367 |
| Average total loans | $160,748,200 | 2,751 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2936% | 5,456 |
| Cost of funding earning assets | 1.5916% | 5,441 |
| Net interest margin | 3.7020% | 4,061 |
| Noninterest income to average assets | 0.6942% | 3,054 |
| Noninterest expense to average assets | 3.1712% | 3,396 |
| Loan and lease loss provision to assets | 0.8883% | 2,168 |
| Net operating income to assets | 0.0917% | 5,490 |
| Return on assets (ROA) | 0.3919% | 4,530 |
| Pretax return on assets | 0.2755% | 5,121 |
| Return on Equity (ROE) | 5.4932% | 3,743 |
| Retained earnings to average equity (ytd only) | 5.4932% | 2,208 |
| Net charge-offs to loans | 0.3538% | 3,875 |
| Credit loss provision to net charge-offs | 398.3834% | 997 |
| Earnings coverage of net charge-offs (x) | 3.8730% | 3,355 |
| Efficiency ratio | 78.5960% | 3,065 |
| Assets per employee ($millions) | 3.4280% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0789% | 1,634 |
| Loan loss allowance to noncurrent loans | 34.2146% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 4.7868% | 1,243 |
| Noncurrent loans to loans | 6.0760% | 966 |
| Net loans and leases to total assets | 59.4271% | 5,676 |
| Net loans and leases to deposits | 65.7435% | 6,333 |
| Net loans and leases to core deposits | 74.2090% | 6,718 |
| Total domestic deposits to total assets | 90.3923% | 623 |
| Equity capital to assets | 7.4905% | 7,301 |
| Core capital (leverage) ratio | 7.4972% | 6,975 |
| Tier 1 risk-based capital ratio | 12.1296% | 4,855 |
| Total risk-based capital ratio | 13.3890% | 4,797 |
| Memoranda: | ||
| Average total assets | $258,909,250 | 2,536 |
| Average earning assets | $233,632,750 | 2,579 |
| Average equity | $18,471,000 | 3,457 |
| Average total loans | $163,176,750 | 2,743 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4345% | 4,973 |
| Cost of funding earning assets | 1.6414% | 5,556 |
| Net interest margin | 3.7931% | 3,583 |
| Noninterest income to average assets | 0.6162% | 3,560 |
| Noninterest expense to average assets | 3.1792% | 3,394 |
| Loan and lease loss provision to assets | 0.3870% | 3,592 |
| Net operating income to assets | 0.4575% | 4,266 |
| Return on assets (ROA) | 0.8817% | 2,636 |
| Pretax return on assets | 0.9359% | 3,222 |
| Return on Equity (ROE) | 12.5697% | 1,265 |
| Retained earnings to average equity (ytd only) | 12.5697% | 373 |
| Net charge-offs to loans | 0.3433% | 3,460 |
| Credit loss provision to net charge-offs | 176.6784% | 2,590 |
| Earnings coverage of net charge-offs (x) | 3.9788% | 3,255 |
| Efficiency ratio | 78.4827% | 3,278 |
| Assets per employee ($millions) | 3.3500% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 4,008 |
| Loan loss allowance to noncurrent loans | 34.5355% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 3.4255% | 1,825 |
| Noncurrent loans to loans | 3.8950% | 1,746 |
| Net loans and leases to total assets | 62.8932% | 5,198 |
| Net loans and leases to deposits | 69.6279% | 6,027 |
| Net loans and leases to core deposits | 78.4706% | 6,518 |
| Total domestic deposits to total assets | 90.3275% | 696 |
| Equity capital to assets | 7.4539% | 7,308 |
| Core capital (leverage) ratio | 7.7492% | 6,673 |
| Tier 1 risk-based capital ratio | 12.0224% | 4,897 |
| Total risk-based capital ratio | 13.2731% | 4,824 |
| Memoranda: | ||
| Average total assets | $258,368,670 | 2,555 |
| Average earning assets | $233,949,000 | 2,588 |
| Average equity | $18,123,000 | 3,533 |
| Average total loans | $164,864,670 | 2,741 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4459% | 5,197 |
| Cost of funding earning assets | 1.6794% | 5,701 |
| Net interest margin | 3.7664% | 3,596 |
| Noninterest income to average assets | 0.6002% | 3,545 |
| Noninterest expense to average assets | 2.9670% | 3,904 |
| Loan and lease loss provision to assets | 0.4254% | 2,796 |
| Net operating income to assets | 0.5491% | 4,218 |
| Return on assets (ROA) | 0.5012% | 4,604 |
| Pretax return on assets | 0.5832% | 4,810 |
| Return on Equity (ROE) | 7.3758% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.3758% | 2,064 |
| Net charge-offs to loans | 0.2399% | 3,203 |
| Credit loss provision to net charge-offs | 277.7778% | 1,723 |
| Earnings coverage of net charge-offs (x) | 6.9495% | 2,410 |
| Efficiency ratio | 73.5994% | 3,897 |
| Assets per employee ($millions) | 3.3322% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 4,135 |
| Loan loss allowance to noncurrent loans | 29.6747% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 3.4139% | 1,586 |
| Noncurrent loans to loans | 4.3448% | 1,343 |
| Net loans and leases to total assets | 63.1407% | 5,134 |
| Net loans and leases to deposits | 69.2316% | 6,053 |
| Net loans and leases to core deposits | 79.4344% | 6,429 |
| Total domestic deposits to total assets | 91.2021% | 350 |
| Equity capital to assets | 6.7109% | 7,805 |
| Core capital (leverage) ratio | 7.3113% | 7,371 |
| Tier 1 risk-based capital ratio | 11.0614% | 5,847 |
| Total risk-based capital ratio | 12.3152% | 5,752 |
| Memoranda: | ||
| Average total assets | $258,579,500 | 2,565 |
| Average earning assets | $235,554,000 | 2,577 |
| Average equity | $17,571,000 | 3,628 |
| Average total loans | $165,075,500 | 2,768 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0714% | 5,198 |
| Cost of funding earning assets | 2.0599% | 6,196 |
| Net interest margin | 4.0115% | 3,061 |
| Noninterest income to average assets | 0.7062% | 3,087 |
| Noninterest expense to average assets | 3.1182% | 3,628 |
| Loan and lease loss provision to assets | 0.7066% | 2,085 |
| Net operating income to assets | 0.4899% | 4,786 |
| Return on assets (ROA) | -2.0060% | 7,569 |
| Pretax return on assets | -2.2005% | 7,504 |
| Return on Equity (ROE) | -23.1388% | 7,830 |
| Retained earnings to average equity (ytd only) | -27.1719% | 7,857 |
| Net charge-offs to loans | 0.8878% | 1,395 |
| Credit loss provision to net charge-offs | 121.5803% | 4,417 |
| Earnings coverage of net charge-offs (x) | 2.1487% | 4,999 |
| Efficiency ratio | 71.4033% | 4,052 |
| Assets per employee ($millions) | 3.1739% | 5,552 |
| Cash dividends to net income (ytd only)* | -17.4298% | 7,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 4,284 |
| Loan loss allowance to noncurrent loans | 35.3097% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 2.9191% | 1,586 |
| Noncurrent loans to loans | 3.4927% | 1,446 |
| Net loans and leases to total assets | 62.9230% | 5,468 |
| Net loans and leases to deposits | 69.2810% | 6,341 |
| Net loans and leases to core deposits | 78.6596% | 6,713 |
| Total domestic deposits to total assets | 90.8229% | 376 |
| Equity capital to assets | 6.8826% | 7,789 |
| Core capital (leverage) ratio | 7.2609% | 7,459 |
| Tier 1 risk-based capital ratio | 11.0285% | 5,702 |
| Total risk-based capital ratio | 12.1958% | 5,684 |
| Memoranda: | ||
| Average total assets | $259,127,000 | 2,469 |
| Average earning assets | $236,467,600 | 2,489 |
| Average equity | $22,464,400 | 2,917 |
| Average total loans | $169,628,600 | 2,620 |