Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0834% | 4,231 |
| Cost of funding earning assets | 2.4344% | 969 |
| Net interest margin | 1.6490% | 4,360 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 1.8511% | 3,838 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.0326% | 4,132 |
| Return on assets (ROA) | -0.1542% | 4,271 |
| Pretax return on assets | -0.1542% | 4,267 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,662 |
| Net charge-offs to loans | 0.0349% | 1,342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 1,986 |
| Efficiency ratio | 96.7920% | 325 |
| Assets per employee ($millions) | 9.7822% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 889 |
| Loan loss allowance to noncurrent loans | 957.5377% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,417 |
| Noncurrent loans to loans | 0.1628% | 2,921 |
| Net loans and leases to total assets | 23.4200% | 4,273 |
| Net loans and leases to deposits | 22.5206% | 4,312 |
| Net loans and leases to core deposits | 26.3859% | 4,287 |
| Total domestic deposits to total assets | 104.0200% | 3 |
| Equity capital to assets | -4.8666% | 4,489 |
| Core capital (leverage) ratio | 12.7508% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,078,917,000 | 959 |
| Average earning assets | $1,030,215,500 | 929 |
| Average equity | $-46,776,000 | 4,473 |
| Average total loans | $252,157,000 | 2,109 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4754% | 3,896 |
| Cost of funding earning assets | 3.1599% | 372 |
| Net interest margin | 1.3155% | 4,398 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 1.5621% | 4,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.0102% | 4,156 |
| Return on assets (ROA) | -0.0683% | 4,249 |
| Pretax return on assets | -0.1352% | 4,260 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 0.0797% | 1,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | -2.1553% | 4,426 |
| Efficiency ratio | 100.8387% | 268 |
| Assets per employee ($millions) | 10.2791% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 1,087 |
| Loan loss allowance to noncurrent loans | 2,457.0513% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 3,643 |
| Noncurrent loans to loans | 0.0600% | 3,345 |
| Net loans and leases to total assets | 22.6500% | 4,299 |
| Net loans and leases to deposits | 22.0157% | 4,333 |
| Net loans and leases to core deposits | 28.9722% | 4,290 |
| Total domestic deposits to total assets | 102.8700% | 3 |
| Equity capital to assets | -3.8530% | 4,513 |
| Core capital (leverage) ratio | 11.0565% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,312,622,000 | 811 |
| Average earning assets | $1,262,499,400 | 785 |
| Average equity | $-28,852,200 | 4,496 |
| Average total loans | $274,762,800 | 1,953 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 3,935 |
| Cost of funding earning assets | 3.1214% | 415 |
| Net interest margin | 1.2964% | 4,431 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 1.5140% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | -0.0140% | 4,242 |
| Return on assets (ROA) | -0.1222% | 4,312 |
| Pretax return on assets | -0.1222% | 4,298 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 0.0938% | 1,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | -0.7296% | 4,465 |
| Efficiency ratio | 99.4437% | 290 |
| Assets per employee ($millions) | 11.9779% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 1,262 |
| Loan loss allowance to noncurrent loans | 2,216.0920% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 3,691 |
| Noncurrent loans to loans | 0.0643% | 3,381 |
| Net loans and leases to total assets | 19.8900% | 4,346 |
| Net loans and leases to deposits | 22.7825% | 4,361 |
| Net loans and leases to core deposits | 29.9378% | 4,322 |
| Total domestic deposits to total assets | 87.3000% | 1,491 |
| Equity capital to assets | -0.6634% | 4,539 |
| Core capital (leverage) ratio | 10.6089% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,358,102,500 | 786 |
| Average earning assets | $1,307,766,500 | 758 |
| Average equity | $-25,173,750 | 4,526 |
| Average total loans | $278,478,750 | 1,930 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 3,887 |
| Cost of funding earning assets | 3.1003% | 398 |
| Net interest margin | 1.3240% | 4,451 |
| Noninterest income to average assets | 0.2400% | 3,419 |
| Noninterest expense to average assets | 1.4794% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.0399% | 4,186 |
| Return on assets (ROA) | -0.0265% | 4,298 |
| Pretax return on assets | -0.0265% | 4,281 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
| Net charge-offs to loans | 0.1003% | 868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 1.9291% | 2,434 |
| Efficiency ratio | 95.9069% | 380 |
| Assets per employee ($millions) | 11.8783% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 1,406 |
| Loan loss allowance to noncurrent loans | 1,089.4150% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 3,474 |
| Noncurrent loans to loans | 0.1278% | 3,005 |
| Net loans and leases to total assets | 20.4600% | 4,359 |
| Net loans and leases to deposits | 22.8556% | 4,379 |
| Net loans and leases to core deposits | 30.8159% | 4,322 |
| Total domestic deposits to total assets | 89.5300% | 835 |
| Equity capital to assets | -2.8160% | 4,560 |
| Core capital (leverage) ratio | 10.3079% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,363,628,333 | 792 |
| Average earning assets | $1,313,734,333 | 757 |
| Average equity | $-30,598,333 | 4,546 |
| Average total loans | $281,081,000 | 1,908 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3157% | 3,943 |
| Cost of funding earning assets | 2.9474% | 468 |
| Net interest margin | 1.3683% | 4,471 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 1.4408% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.1175% | 4,086 |
| Return on assets (ROA) | 0.0935% | 4,162 |
| Pretax return on assets | 0.0935% | 4,164 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,696 |
| Net charge-offs to loans | 0.1850% | 477 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 3.0923% | 1,958 |
| Efficiency ratio | 91.0336% | 550 |
| Assets per employee ($millions) | 12.2807% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 1,294 |
| Loan loss allowance to noncurrent loans | 1,221.8069% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 3,525 |
| Noncurrent loans to loans | 0.1169% | 3,027 |
| Net loans and leases to total assets | 19.1700% | 4,392 |
| Net loans and leases to deposits | 21.3654% | 4,399 |
| Net loans and leases to core deposits | 28.5670% | 4,398 |
| Total domestic deposits to total assets | 89.7300% | 884 |
| Equity capital to assets | -2.3668% | 4,590 |
| Core capital (leverage) ratio | 10.5626% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,368,377,500 | 796 |
| Average earning assets | $1,319,000,000 | 759 |
| Average equity | $-26,831,500 | 4,576 |
| Average total loans | $281,124,500 | 1,908 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 3,875 |
| Cost of funding earning assets | 2.1926% | 648 |
| Net interest margin | 1.8629% | 4,452 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.9023% | 3,831 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.1378% | 4,221 |
| Return on assets (ROA) | 0.1204% | 4,260 |
| Pretax return on assets | 0.1127% | 4,268 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.0275% | 1,765 |
| Credit loss provision to net charge-offs | -279.2208% | 4,517 |
| Earnings coverage of net charge-offs (x) | 23.9221% | 1,778 |
| Efficiency ratio | 73.4889% | 1,506 |
| Assets per employee ($millions) | 11.8257% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 1,364 |
| Loan loss allowance to noncurrent loans | 1,850.2283% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 3,549 |
| Noncurrent loans to loans | 0.0762% | 3,177 |
| Net loans and leases to total assets | 21.4100% | 4,392 |
| Net loans and leases to deposits | 24.2366% | 4,402 |
| Net loans and leases to core deposits | 29.0540% | 4,405 |
| Total domestic deposits to total assets | 88.3300% | 1,248 |
| Equity capital to assets | -1.5279% | 4,610 |
| Core capital (leverage) ratio | 10.9872% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,243,406,600 | 832 |
| Average earning assets | $1,188,161,000 | 799 |
| Average equity | $-44,125,000 | 4,594 |
| Average total loans | $280,278,800 | 1,872 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8349% | 3,977 |
| Cost of funding earning assets | 1.6521% | 965 |
| Net interest margin | 2.1829% | 4,437 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.5879% | 4,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7663% | 3,173 |
| Return on assets (ROA) | 0.7899% | 3,121 |
| Pretax return on assets | 0.7876% | 3,423 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 0.0213% | 1,460 |
| Credit loss provision to net charge-offs | -1,466.6667% | 4,632 |
| Earnings coverage of net charge-offs (x) | 155.7333% | 738 |
| Efficiency ratio | 64.7546% | 2,403 |
| Assets per employee ($millions) | 10.2561% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 1,591 |
| Loan loss allowance to noncurrent loans | 1,073.1302% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 3,400 |
| Noncurrent loans to loans | 0.1289% | 2,831 |
| Net loans and leases to total assets | 22.8200% | 4,431 |
| Net loans and leases to deposits | 23.9979% | 4,453 |
| Net loans and leases to core deposits | 28.5125% | 4,419 |
| Total domestic deposits to total assets | 95.1000% | 90 |
| Equity capital to assets | -2.7302% | 4,665 |
| Core capital (leverage) ratio | 11.5181% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2328% | 289 |
| Memoranda: | ||
| Average total assets | $1,222,977,333 | 833 |
| Average earning assets | $1,166,180,000 | 812 |
| Average equity | $-33,941,333 | 4,651 |
| Average total loans | $282,001,333 | 1,852 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6908% | 4,037 |
| Cost of funding earning assets | 1.4025% | 1,017 |
| Net interest margin | 2.2883% | 4,456 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.5810% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8697% | 2,959 |
| Return on assets (ROA) | 0.9120% | 2,773 |
| Pretax return on assets | 0.9120% | 3,207 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | 0.0212% | 1,255 |
| Credit loss provision to net charge-offs | -2,933.3333% | 4,674 |
| Earnings coverage of net charge-offs (x) | 178.2000% | 542 |
| Efficiency ratio | 61.8826% | 2,716 |
| Assets per employee ($millions) | 10.7564% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 1,715 |
| Loan loss allowance to noncurrent loans | 1,171.3855% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,521 |
| Noncurrent loans to loans | 0.1174% | 2,931 |
| Net loans and leases to total assets | 22.3600% | 4,493 |
| Net loans and leases to deposits | 23.5892% | 4,512 |
| Net loans and leases to core deposits | 27.9095% | 4,486 |
| Total domestic deposits to total assets | 94.7700% | 110 |
| Equity capital to assets | -1.9585% | 4,691 |
| Core capital (leverage) ratio | 11.6290% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2035% | 305 |
| Memoranda: | ||
| Average total assets | $1,229,355,000 | 850 |
| Average earning assets | $1,172,202,500 | 822 |
| Average equity | $-34,391,000 | 4,675 |
| Average total loans | $282,964,500 | 1,870 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3870% | 3,375 |
| Cost of funding earning assets | 0.8000% | 381 |
| Net interest margin | 2.5870% | 4,194 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.4952% | 4,432 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2678% | 1,537 |
| Return on assets (ROA) | 1.2685% | 1,487 |
| Pretax return on assets | 1.2594% | 2,236 |
| Return on Equity (ROE) | 68.3700% | 15 |
| Retained earnings to average equity (ytd only) | 57.6223% | 7 |
| Net charge-offs to loans | 0.0098% | 2,008 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 584.2593% | 297 |
| Efficiency ratio | 52.5858% | 3,929 |
| Assets per employee ($millions) | 10.5302% | 575 |
| Cash dividends to net income (ytd only)* | 15.7252% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 1,109 |
| Loan loss allowance to noncurrent loans | 1,462.6263% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 3,588 |
| Noncurrent loans to loans | 0.1049% | 3,021 |
| Net loans and leases to total assets | 23.0200% | 4,522 |
| Net loans and leases to deposits | 22.3079% | 4,553 |
| Net loans and leases to core deposits | 26.6778% | 4,518 |
| Total domestic deposits to total assets | 103.1900% | 3 |
| Equity capital to assets | -3.6619% | 4,724 |
| Core capital (leverage) ratio | 11.4215% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6357% | 317 |
| Memoranda: | ||
| Average total assets | $1,253,317,400 | 821 |
| Average earning assets | $1,199,840,200 | 791 |
| Average equity | $23,251,400 | 2,684 |
| Average total loans | $274,992,800 | 1,839 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3070% | 3,158 |
| Cost of funding earning assets | 0.6867% | 287 |
| Net interest margin | 2.6202% | 4,071 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.4663% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3704% | 1,172 |
| Return on assets (ROA) | 1.3851% | 1,100 |
| Pretax return on assets | 1.3405% | 1,918 |
| Return on Equity (ROE) | 43.6000% | 40 |
| Retained earnings to average equity (ytd only) | 35.2996% | 21 |
| Net charge-offs to loans | 0.0122% | 1,661 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 502.7200% | 311 |
| Efficiency ratio | 51.0428% | 4,084 |
| Assets per employee ($millions) | 10.2396% | 606 |
| Cash dividends to net income (ytd only)* | 19.0404% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 1,215 |
| Loan loss allowance to noncurrent loans | 845.5253% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,459 |
| Noncurrent loans to loans | 0.1812% | 2,682 |
| Net loans and leases to total assets | 23.9200% | 4,546 |
| Net loans and leases to deposits | 22.8227% | 4,593 |
| Net loans and leases to core deposits | 27.8988% | 4,542 |
| Total domestic deposits to total assets | 104.8200% | 2 |
| Equity capital to assets | -5.2231% | 4,763 |
| Core capital (leverage) ratio | 11.0597% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4875% | 365 |
| Memoranda: | ||
| Average total assets | $1,263,903,500 | 817 |
| Average earning assets | $1,212,278,750 | 790 |
| Average equity | $40,150,500 | 1,942 |
| Average total loans | $272,967,000 | 1,844 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1550% | 3,175 |
| Cost of funding earning assets | 0.5929% | 292 |
| Net interest margin | 2.5622% | 3,973 |
| Noninterest income to average assets | 0.2754% | 3,514 |
| Noninterest expense to average assets | 1.4039% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3800% | 955 |
| Return on assets (ROA) | 1.3848% | 918 |
| Pretax return on assets | 1.3385% | 1,618 |
| Return on Equity (ROE) | 24.3009% | 132 |
| Retained earnings to average equity (ytd only) | 24.3009% | 38 |
| Net charge-offs to loans | 0.0119% | 1,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 540.1875% | 240 |
| Efficiency ratio | 50.4256% | 4,223 |
| Assets per employee ($millions) | 10.3655% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 1,338 |
| Loan loss allowance to noncurrent loans | 1,158.2447% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,670 |
| Noncurrent loans to loans | 0.1318% | 3,055 |
| Net loans and leases to total assets | 22.9651% | 4,614 |
| Net loans and leases to deposits | 23.2983% | 4,649 |
| Net loans and leases to core deposits | 28.1938% | 4,592 |
| Total domestic deposits to total assets | 98.5701% | 18 |
| Equity capital to assets | -1.3412% | 4,768 |
| Core capital (leverage) ratio | 10.9993% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9680% | 368 |
| Memoranda: | ||
| Average total assets | $1,296,100,333 | 798 |
| Average earning assets | $1,245,496,667 | 771 |
| Average equity | $73,857,333 | 1,243 |
| Average total loans | $269,418,667 | 1,855 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9648% | 3,358 |
| Cost of funding earning assets | 0.5665% | 330 |
| Net interest margin | 2.3983% | 4,070 |
| Noninterest income to average assets | 0.3041% | 3,289 |
| Noninterest expense to average assets | 1.3445% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2700% | 1,071 |
| Return on assets (ROA) | 1.2736% | 1,058 |
| Pretax return on assets | 1.2736% | 1,587 |
| Return on Equity (ROE) | 14.2636% | 782 |
| Retained earnings to average equity (ytd only) | 14.2636% | 354 |
| Net charge-offs to loans | 0.0229% | 1,092 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 282.0667% | 335 |
| Efficiency ratio | 50.5511% | 4,288 |
| Assets per employee ($millions) | 11.1092% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6298% | 1,196 |
| Loan loss allowance to noncurrent loans | 1,049.6386% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,717 |
| Noncurrent loans to loans | 0.1553% | 3,026 |
| Net loans and leases to total assets | 20.2276% | 4,666 |
| Net loans and leases to deposits | 21.5034% | 4,686 |
| Net loans and leases to core deposits | 26.1414% | 4,651 |
| Total domestic deposits to total assets | 94.0669% | 110 |
| Equity capital to assets | 5.6506% | 4,646 |
| Core capital (leverage) ratio | 10.7717% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4989% | 400 |
| Memoranda: | ||
| Average total assets | $1,332,584,500 | 775 |
| Average earning assets | $1,283,739,000 | 751 |
| Average equity | $118,988,500 | 868 |
| Average total loans | $261,503,500 | 1,875 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9328% | 3,996 |
| Cost of funding earning assets | 0.6506% | 419 |
| Net interest margin | 2.2823% | 4,432 |
| Noninterest income to average assets | 0.2152% | 4,079 |
| Noninterest expense to average assets | 1.2917% | 4,681 |
| Loan and lease loss provision to assets | 0.0384% | 2,277 |
| Net operating income to assets | 1.1469% | 2,124 |
| Return on assets (ROA) | 1.3804% | 1,394 |
| Pretax return on assets | 1.3195% | 2,298 |
| Return on Equity (ROE) | 11.2322% | 2,088 |
| Retained earnings to average equity (ytd only) | 11.2322% | 663 |
| Net charge-offs to loans | -0.0231% | 4,030 |
| Credit loss provision to net charge-offs | -1,020.4082% | 3,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4963% | 4,080 |
| Assets per employee ($millions) | 11.8729% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 1,027 |
| Loan loss allowance to noncurrent loans | 956.4551% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 3,794 |
| Noncurrent loans to loans | 0.1787% | 3,048 |
| Net loans and leases to total assets | 18.4099% | 4,732 |
| Net loans and leases to deposits | 21.0692% | 4,736 |
| Net loans and leases to core deposits | 25.6617% | 4,701 |
| Total domestic deposits to total assets | 87.3782% | 2,349 |
| Equity capital to assets | 12.0501% | 1,229 |
| Core capital (leverage) ratio | 10.7956% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4787% | 374 |
| Memoranda: | ||
| Average total assets | $1,302,371,800 | 763 |
| Average earning assets | $1,255,949,200 | 742 |
| Average equity | $160,057,200 | 673 |
| Average total loans | $212,264,600 | 2,156 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9453% | 4,094 |
| Cost of funding earning assets | 0.6824% | 421 |
| Net interest margin | 2.2629% | 4,517 |
| Noninterest income to average assets | 0.2109% | 4,140 |
| Noninterest expense to average assets | 1.2849% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1731% | 2,257 |
| Return on assets (ROA) | 1.4059% | 1,577 |
| Pretax return on assets | 1.3414% | 2,508 |
| Return on Equity (ROE) | 11.3810% | 2,251 |
| Retained earnings to average equity (ytd only) | 11.3810% | 975 |
| Net charge-offs to loans | -0.0457% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6974% | 3,960 |
| Assets per employee ($millions) | 11.6132% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8973% | 777 |
| Loan loss allowance to noncurrent loans | 554.2735% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 3,787 |
| Noncurrent loans to loans | 0.3423% | 2,559 |
| Net loans and leases to total assets | 15.0645% | 4,828 |
| Net loans and leases to deposits | 17.3899% | 4,833 |
| Net loans and leases to core deposits | 21.0363% | 4,817 |
| Total domestic deposits to total assets | 86.6281% | 2,498 |
| Equity capital to assets | 12.5980% | 1,137 |
| Core capital (leverage) ratio | 10.6190% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2633% | 363 |
| Memoranda: | ||
| Average total assets | $1,286,617,750 | 785 |
| Average earning assets | $1,240,911,750 | 756 |
| Average equity | $158,938,750 | 688 |
| Average total loans | $201,396,500 | 2,262 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9913% | 4,062 |
| Cost of funding earning assets | 0.7054% | 456 |
| Net interest margin | 2.2858% | 4,531 |
| Noninterest income to average assets | 0.2012% | 4,194 |
| Noninterest expense to average assets | 1.2868% | 4,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1912% | 2,219 |
| Return on assets (ROA) | 1.3661% | 1,737 |
| Pretax return on assets | 1.2927% | 2,653 |
| Return on Equity (ROE) | 11.1361% | 2,382 |
| Retained earnings to average equity (ytd only) | 11.1361% | 1,095 |
| Net charge-offs to loans | -0.0330% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5175% | 3,985 |
| Assets per employee ($millions) | 11.5698% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9091% | 727 |
| Loan loss allowance to noncurrent loans | 188.0488% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 3,229 |
| Noncurrent loans to loans | 1.0152% | 1,211 |
| Net loans and leases to total assets | 14.8869% | 4,865 |
| Net loans and leases to deposits | 17.1048% | 4,867 |
| Net loans and leases to core deposits | 20.7186% | 4,852 |
| Total domestic deposits to total assets | 87.0338% | 2,297 |
| Equity capital to assets | 12.2069% | 1,269 |
| Core capital (leverage) ratio | 10.4931% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2948% | 366 |
| Memoranda: | ||
| Average total assets | $1,270,318,333 | 790 |
| Average earning assets | $1,224,492,000 | 764 |
| Average equity | $155,835,667 | 692 |
| Average total loans | $200,168,667 | 2,275 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9622% | 4,161 |
| Cost of funding earning assets | 0.7154% | 517 |
| Net interest margin | 2.2468% | 4,571 |
| Noninterest income to average assets | 0.2090% | 4,132 |
| Noninterest expense to average assets | 1.2927% | 4,825 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0821% | 2,536 |
| Return on assets (ROA) | 1.3091% | 1,882 |
| Pretax return on assets | 1.3091% | 2,546 |
| Return on Equity (ROE) | 10.6434% | 2,483 |
| Retained earnings to average equity (ytd only) | 10.6434% | 1,485 |
| Net charge-offs to loans | -0.0201% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4021% | 3,863 |
| Assets per employee ($millions) | 11.3175% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 757 |
| Loan loss allowance to noncurrent loans | 183.7009% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 3,283 |
| Noncurrent loans to loans | 1.0271% | 1,305 |
| Net loans and leases to total assets | 15.7199% | 4,889 |
| Net loans and leases to deposits | 17.7969% | 4,893 |
| Net loans and leases to core deposits | 21.4681% | 4,875 |
| Total domestic deposits to total assets | 88.3295% | 1,689 |
| Equity capital to assets | 11.1998% | 1,723 |
| Core capital (leverage) ratio | 10.6042% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,240,212,500 | 798 |
| Average earning assets | $1,195,452,500 | 773 |
| Average equity | $152,545,500 | 700 |
| Average total loans | $199,288,000 | 2,289 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0684% | 4,585 |
| Cost of funding earning assets | 1.0133% | 567 |
| Net interest margin | 2.0551% | 4,811 |
| Noninterest income to average assets | 0.2348% | 4,092 |
| Noninterest expense to average assets | 1.3688% | 4,852 |
| Loan and lease loss provision to assets | 0.1214% | 2,847 |
| Net operating income to assets | 0.8197% | 3,017 |
| Return on assets (ROA) | 1.4383% | 1,023 |
| Pretax return on assets | 1.3331% | 1,871 |
| Return on Equity (ROE) | 11.1772% | 1,566 |
| Retained earnings to average equity (ytd only) | 8.9287% | 785 |
| Net charge-offs to loans | 0.1018% | 1,457 |
| Credit loss provision to net charge-offs | 710.1010% | 986 |
| Earnings coverage of net charge-offs (x) | 48.8788% | 1,223 |
| Efficiency ratio | 60.8948% | 3,331 |
| Assets per employee ($millions) | 11.0260% | 395 |
| Cash dividends to net income (ytd only)* | 20.1165% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9551% | 641 |
| Loan loss allowance to noncurrent loans | 166.0295% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 3,263 |
| Noncurrent loans to loans | 1.1776% | 1,205 |
| Net loans and leases to total assets | 15.8025% | 4,907 |
| Net loans and leases to deposits | 18.4791% | 4,912 |
| Net loans and leases to core deposits | 22.2458% | 4,896 |
| Total domestic deposits to total assets | 85.5154% | 2,562 |
| Equity capital to assets | 13.4497% | 945 |
| Core capital (leverage) ratio | 10.8760% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,157,789,000 | 772 |
| Average earning assets | $1,109,771,600 | 743 |
| Average equity | $148,990,800 | 681 |
| Average total loans | $194,574,000 | 2,295 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1493% | 4,635 |
| Cost of funding earning assets | 1.1021% | 537 |
| Net interest margin | 2.0472% | 4,871 |
| Noninterest income to average assets | 0.2352% | 4,091 |
| Noninterest expense to average assets | 1.3748% | 4,874 |
| Loan and lease loss provision to assets | 0.1385% | 2,630 |
| Net operating income to assets | 0.8232% | 3,004 |
| Return on assets (ROA) | 1.6194% | 759 |
| Pretax return on assets | 1.4785% | 1,493 |
| Return on Equity (ROE) | 12.7366% | 1,190 |
| Retained earnings to average equity (ytd only) | 10.9950% | 578 |
| Net charge-offs to loans | 0.0515% | 1,870 |
| Credit loss provision to net charge-offs | 1,585.3333% | 591 |
| Earnings coverage of net charge-offs (x) | 93.9067% | 826 |
| Efficiency ratio | 61.4045% | 3,158 |
| Assets per employee ($millions) | 11.0490% | 383 |
| Cash dividends to net income (ytd only)* | 13.6740% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9290% | 559 |
| Loan loss allowance to noncurrent loans | 144.6643% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 3,352 |
| Noncurrent loans to loans | 1.3334% | 1,108 |
| Net loans and leases to total assets | 16.0316% | 4,952 |
| Net loans and leases to deposits | 18.7316% | 4,956 |
| Net loans and leases to core deposits | 22.9193% | 4,938 |
| Total domestic deposits to total assets | 85.5860% | 2,225 |
| Equity capital to assets | 13.3805% | 1,036 |
| Core capital (leverage) ratio | 10.8093% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,144,020,250 | 771 |
| Average earning assets | $1,095,535,250 | 742 |
| Average equity | $145,456,750 | 684 |
| Average total loans | $194,346,250 | 2,286 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2408% | 4,693 |
| Cost of funding earning assets | 1.2096% | 483 |
| Net interest margin | 2.0312% | 4,939 |
| Noninterest income to average assets | 0.2373% | 4,055 |
| Noninterest expense to average assets | 1.4053% | 4,904 |
| Loan and lease loss provision to assets | 0.1626% | 2,375 |
| Net operating income to assets | 0.7128% | 3,350 |
| Return on assets (ROA) | 1.6042% | 822 |
| Pretax return on assets | 1.5022% | 1,452 |
| Return on Equity (ROE) | 12.8515% | 1,137 |
| Retained earnings to average equity (ytd only) | 10.1606% | 763 |
| Net charge-offs to loans | 0.0678% | 1,567 |
| Credit loss provision to net charge-offs | 1,393.9394% | 629 |
| Earnings coverage of net charge-offs (x) | 66.2879% | 907 |
| Efficiency ratio | 63.2668% | 2,919 |
| Assets per employee ($millions) | 10.7562% | 410 |
| Cash dividends to net income (ytd only)* | 20.9389% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7844% | 681 |
| Loan loss allowance to noncurrent loans | 153.1802% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 3,576 |
| Noncurrent loans to loans | 1.1649% | 1,349 |
| Net loans and leases to total assets | 16.1334% | 4,981 |
| Net loans and leases to deposits | 18.6973% | 4,987 |
| Net loans and leases to core deposits | 23.0897% | 4,971 |
| Total domestic deposits to total assets | 86.2873% | 1,891 |
| Equity capital to assets | 12.7106% | 1,278 |
| Core capital (leverage) ratio | 10.4339% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,131,280,667 | 769 |
| Average earning assets | $1,081,336,667 | 739 |
| Average equity | $141,212,667 | 690 |
| Average total loans | $194,708,333 | 2,254 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3031% | 4,810 |
| Cost of funding earning assets | 1.2996% | 565 |
| Net interest margin | 2.0035% | 5,012 |
| Noninterest income to average assets | 0.2548% | 4,021 |
| Noninterest expense to average assets | 1.5076% | 4,919 |
| Loan and lease loss provision to assets | 0.1625% | 1,787 |
| Net operating income to assets | 0.4983% | 3,899 |
| Return on assets (ROA) | 1.8257% | 433 |
| Pretax return on assets | 1.8257% | 660 |
| Return on Equity (ROE) | 14.7705% | 579 |
| Retained earnings to average equity (ytd only) | 10.5252% | 636 |
| Net charge-offs to loans | 0.0554% | 1,456 |
| Credit loss provision to net charge-offs | 1,659.2593% | 391 |
| Earnings coverage of net charge-offs (x) | 67.6296% | 743 |
| Efficiency ratio | 68.2577% | 2,625 |
| Assets per employee ($millions) | 10.0285% | 379 |
| Cash dividends to net income (ytd only)* | 28.7413% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 1,167 |
| Loan loss allowance to noncurrent loans | 135.5516% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 3,697 |
| Noncurrent loans to loans | 1.1507% | 1,443 |
| Net loans and leases to total assets | 16.9028% | 5,022 |
| Net loans and leases to deposits | 19.5060% | 5,029 |
| Net loans and leases to core deposits | 23.8579% | 5,015 |
| Total domestic deposits to total assets | 86.6545% | 1,715 |
| Equity capital to assets | 12.3755% | 1,812 |
| Core capital (leverage) ratio | 10.6189% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,105,329,000 | 756 |
| Average earning assets | $1,055,745,500 | 728 |
| Average equity | $136,624,000 | 713 |
| Average total loans | $194,884,500 | 2,225 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4499% | 4,888 |
| Cost of funding earning assets | 1.4065% | 553 |
| Net interest margin | 2.0434% | 5,090 |
| Noninterest income to average assets | 0.2845% | 3,981 |
| Noninterest expense to average assets | 1.5067% | 5,002 |
| Loan and lease loss provision to assets | 0.0168% | 3,683 |
| Net operating income to assets | 0.7498% | 3,700 |
| Return on assets (ROA) | 0.8676% | 3,415 |
| Pretax return on assets | 0.8234% | 3,926 |
| Return on Equity (ROE) | 7.0963% | 3,521 |
| Retained earnings to average equity (ytd only) | 3.4740% | 3,270 |
| Net charge-offs to loans | 0.1052% | 1,676 |
| Credit loss provision to net charge-offs | 87.3016% | 2,689 |
| Earnings coverage of net charge-offs (x) | 37.5450% | 1,371 |
| Efficiency ratio | 66.8615% | 2,636 |
| Assets per employee ($millions) | 9.5349% | 407 |
| Cash dividends to net income (ytd only)* | 51.0444% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 1,749 |
| Loan loss allowance to noncurrent loans | 117.3250% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 3,639 |
| Noncurrent loans to loans | 1.1415% | 1,321 |
| Net loans and leases to total assets | 17.8733% | 5,087 |
| Net loans and leases to deposits | 20.6122% | 5,094 |
| Net loans and leases to core deposits | 24.3699% | 5,077 |
| Total domestic deposits to total assets | 86.7121% | 1,751 |
| Equity capital to assets | 12.3447% | 1,922 |
| Core capital (leverage) ratio | 10.6691% | 2,793 |
| Tier 1 risk-based capital ratio | 25.0288% | 748 |
| Total risk-based capital ratio | 25.6231% | 780 |
| Memoranda: | ||
| Average total assets | $982,303,200 | 798 |
| Average earning assets | $934,749,400 | 765 |
| Average equity | $120,091,000 | 762 |
| Average total loans | $179,630,000 | 2,321 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4868% | 4,966 |
| Cost of funding earning assets | 1.4215% | 535 |
| Net interest margin | 2.0653% | 5,173 |
| Noninterest income to average assets | 0.2783% | 4,082 |
| Noninterest expense to average assets | 1.4982% | 5,072 |
| Loan and lease loss provision to assets | 0.0100% | 3,688 |
| Net operating income to assets | 0.7943% | 3,692 |
| Return on assets (ROA) | 0.9492% | 3,243 |
| Pretax return on assets | 0.8898% | 3,905 |
| Return on Equity (ROE) | 7.7856% | 3,394 |
| Retained earnings to average equity (ytd only) | 2.8226% | 3,963 |
| Net charge-offs to loans | 0.1313% | 1,211 |
| Credit loss provision to net charge-offs | 41.6185% | 2,847 |
| Earnings coverage of net charge-offs (x) | 30.9539% | 1,593 |
| Efficiency ratio | 66.2719% | 2,691 |
| Assets per employee ($millions) | 9.7888% | 373 |
| Cash dividends to net income (ytd only)* | 63.7457% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 1,501 |
| Loan loss allowance to noncurrent loans | 116.7050% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 3,629 |
| Noncurrent loans to loans | 1.2167% | 1,290 |
| Net loans and leases to total assets | 17.9861% | 5,168 |
| Net loans and leases to deposits | 20.9758% | 5,171 |
| Net loans and leases to core deposits | 24.9627% | 5,158 |
| Total domestic deposits to total assets | 85.7471% | 2,103 |
| Equity capital to assets | 13.2424% | 1,489 |
| Core capital (leverage) ratio | 11.4614% | 2,249 |
| Tier 1 risk-based capital ratio | 27.4526% | 610 |
| Total risk-based capital ratio | 28.0902% | 643 |
| Memoranda: | ||
| Average total assets | $958,519,250 | 816 |
| Average earning assets | $911,878,750 | 789 |
| Average equity | $116,862,000 | 780 |
| Average total loans | $175,740,500 | 2,387 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5133% | 5,000 |
| Cost of funding earning assets | 1.3899% | 554 |
| Net interest margin | 2.1234% | 5,226 |
| Noninterest income to average assets | 0.2780% | 4,075 |
| Noninterest expense to average assets | 1.4945% | 5,119 |
| Loan and lease loss provision to assets | 0.0101% | 3,545 |
| Net operating income to assets | 0.8824% | 3,349 |
| Return on assets (ROA) | 0.9559% | 3,149 |
| Pretax return on assets | 0.8635% | 3,946 |
| Return on Equity (ROE) | 8.0794% | 3,260 |
| Retained earnings to average equity (ytd only) | 0.3534% | 4,603 |
| Net charge-offs to loans | 0.0320% | 2,215 |
| Credit loss provision to net charge-offs | 171.4286% | 1,359 |
| Earnings coverage of net charge-offs (x) | 135.9643% | 541 |
| Efficiency ratio | 64.6213% | 3,033 |
| Assets per employee ($millions) | 9.5099% | 397 |
| Cash dividends to net income (ytd only)* | 95.6254% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 1,358 |
| Loan loss allowance to noncurrent loans | 106.7068% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 3,461 |
| Noncurrent loans to loans | 1.3787% | 1,128 |
| Net loans and leases to total assets | 18.1664% | 5,213 |
| Net loans and leases to deposits | 21.2047% | 5,217 |
| Net loans and leases to core deposits | 25.5034% | 5,201 |
| Total domestic deposits to total assets | 85.6714% | 2,189 |
| Equity capital to assets | 12.5721% | 1,818 |
| Core capital (leverage) ratio | 11.1724% | 2,440 |
| Tier 1 risk-based capital ratio | 26.5296% | 655 |
| Total risk-based capital ratio | 27.1891% | 677 |
| Memoranda: | ||
| Average total assets | $951,731,670 | 816 |
| Average earning assets | $903,816,670 | 790 |
| Average equity | $112,607,000 | 798 |
| Average total loans | $174,787,670 | 2,408 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 5,009 |
| Cost of funding earning assets | 1.3416% | 572 |
| Net interest margin | 2.1996% | 5,278 |
| Noninterest income to average assets | 0.2751% | 4,040 |
| Noninterest expense to average assets | 1.5269% | 5,150 |
| Loan and lease loss provision to assets | 0.0102% | 3,299 |
| Net operating income to assets | 0.9673% | 2,983 |
| Return on assets (ROA) | 0.9720% | 3,005 |
| Pretax return on assets | 0.8321% | 3,966 |
| Return on Equity (ROE) | 8.4929% | 3,043 |
| Retained earnings to average equity (ytd only) | 0.1081% | 4,510 |
| Net charge-offs to loans | 0.0605% | 1,434 |
| Credit loss provision to net charge-offs | 92.3077% | 1,697 |
| Earnings coverage of net charge-offs (x) | 75.5385% | 797 |
| Efficiency ratio | 64.0693% | 3,228 |
| Assets per employee ($millions) | 9.5314% | 396 |
| Cash dividends to net income (ytd only)* | 98.7275% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,285 |
| Loan loss allowance to noncurrent loans | 66.6582% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 2,873 |
| Noncurrent loans to loans | 2.2730% | 614 |
| Net loans and leases to total assets | 17.7920% | 5,275 |
| Net loans and leases to deposits | 20.2774% | 5,279 |
| Net loans and leases to core deposits | 24.4075% | 5,261 |
| Total domestic deposits to total assets | 87.7431% | 1,459 |
| Equity capital to assets | 11.7350% | 2,199 |
| Core capital (leverage) ratio | 11.3375% | 2,256 |
| Tier 1 risk-based capital ratio | 27.4133% | 596 |
| Total risk-based capital ratio | 28.0905% | 617 |
| Memoranda: | ||
| Average total assets | $937,836,000 | 829 |
| Average earning assets | $890,878,500 | 808 |
| Average equity | $107,337,000 | 829 |
| Average total loans | $171,881,000 | 2,458 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 4,906 |
| Cost of funding earning assets | 1.0709% | 548 |
| Net interest margin | 2.4351% | 5,238 |
| Noninterest income to average assets | 0.2974% | 4,119 |
| Noninterest expense to average assets | 1.5060% | 5,223 |
| Loan and lease loss provision to assets | 0.0180% | 3,796 |
| Net operating income to assets | 1.0843% | 2,662 |
| Return on assets (ROA) | 1.0974% | 2,604 |
| Pretax return on assets | 1.1002% | 3,267 |
| Return on Equity (ROE) | 9.6176% | 2,681 |
| Retained earnings to average equity (ytd only) | 0.0805% | 4,965 |
| Net charge-offs to loans | 0.1463% | 1,307 |
| Credit loss provision to net charge-offs | 69.9153% | 2,992 |
| Earnings coverage of net charge-offs (x) | 42.8136% | 1,257 |
| Efficiency ratio | 57.2087% | 4,262 |
| Assets per employee ($millions) | 8.6952% | 513 |
| Cash dividends to net income (ytd only)* | 99.1628% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 1,142 |
| Loan loss allowance to noncurrent loans | 65.0950% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 2,715 |
| Noncurrent loans to loans | 2.3851% | 528 |
| Net loans and leases to total assets | 18.3145% | 5,320 |
| Net loans and leases to deposits | 20.7169% | 5,323 |
| Net loans and leases to core deposits | 24.5686% | 5,304 |
| Total domestic deposits to total assets | 88.4036% | 1,114 |
| Equity capital to assets | 11.1396% | 2,566 |
| Core capital (leverage) ratio | 11.6351% | 2,003 |
| Tier 1 risk-based capital ratio | 28.6283% | 529 |
| Total risk-based capital ratio | 29.3366% | 549 |
| Memoranda: | ||
| Average total assets | $914,327,200 | 834 |
| Average earning assets | $868,768,400 | 813 |
| Average equity | $104,329,200 | 820 |
| Average total loans | $161,298,400 | 2,509 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4902% | 4,935 |
| Cost of funding earning assets | 1.0179% | 549 |
| Net interest margin | 2.4722% | 5,291 |
| Noninterest income to average assets | 0.2961% | 4,167 |
| Noninterest expense to average assets | 1.4962% | 5,281 |
| Loan and lease loss provision to assets | 0.0153% | 3,704 |
| Net operating income to assets | 1.1424% | 2,472 |
| Return on assets (ROA) | 1.1583% | 2,420 |
| Pretax return on assets | 1.1509% | 3,189 |
| Return on Equity (ROE) | 10.0913% | 2,579 |
| Retained earnings to average equity (ytd only) | 0.9474% | 4,865 |
| Net charge-offs to loans | 0.1826% | 917 |
| Credit loss provision to net charge-offs | 48.1651% | 2,849 |
| Earnings coverage of net charge-offs (x) | 36.1972% | 1,427 |
| Efficiency ratio | 56.0727% | 4,380 |
| Assets per employee ($millions) | 8.3861% | 552 |
| Cash dividends to net income (ytd only)* | 90.6116% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 1,171 |
| Loan loss allowance to noncurrent loans | 60.4472% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 2,590 |
| Noncurrent loans to loans | 2.5829% | 499 |
| Net loans and leases to total assets | 18.2334% | 5,394 |
| Net loans and leases to deposits | 20.5181% | 5,397 |
| Net loans and leases to core deposits | 24.1499% | 5,383 |
| Total domestic deposits to total assets | 88.8647% | 889 |
| Equity capital to assets | 10.6654% | 2,964 |
| Core capital (leverage) ratio | 11.7016% | 2,008 |
| Tier 1 risk-based capital ratio | 29.5622% | 501 |
| Total risk-based capital ratio | 30.2777% | 511 |
| Memoranda: | ||
| Average total assets | $914,659,500 | 832 |
| Average earning assets | $869,579,000 | 811 |
| Average equity | $104,985,500 | 814 |
| Average total loans | $159,161,000 | 2,542 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4626% | 4,964 |
| Cost of funding earning assets | 0.9528% | 573 |
| Net interest margin | 2.5098% | 5,339 |
| Noninterest income to average assets | 0.2929% | 4,220 |
| Noninterest expense to average assets | 1.4889% | 5,350 |
| Loan and lease loss provision to assets | 0.0098% | 3,655 |
| Net operating income to assets | 1.1812% | 2,275 |
| Return on assets (ROA) | 1.2042% | 2,181 |
| Pretax return on assets | 1.2046% | 2,925 |
| Return on Equity (ROE) | 10.2554% | 2,447 |
| Retained earnings to average equity (ytd only) | 1.3731% | 4,674 |
| Net charge-offs to loans | 0.1224% | 1,197 |
| Credit loss provision to net charge-offs | 46.8750% | 2,509 |
| Earnings coverage of net charge-offs (x) | 57.1146% | 1,030 |
| Efficiency ratio | 55.0953% | 4,572 |
| Assets per employee ($millions) | 8.3161% | 556 |
| Cash dividends to net income (ytd only)* | 86.6113% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 1,135 |
| Loan loss allowance to noncurrent loans | 55.5858% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 2,625 |
| Noncurrent loans to loans | 2.8652% | 408 |
| Net loans and leases to total assets | 17.7851% | 5,454 |
| Net loans and leases to deposits | 20.1146% | 5,462 |
| Net loans and leases to core deposits | 23.6818% | 5,448 |
| Total domestic deposits to total assets | 88.4189% | 1,176 |
| Equity capital to assets | 11.1924% | 2,461 |
| Core capital (leverage) ratio | 11.6047% | 1,979 |
| Tier 1 risk-based capital ratio | 29.4486% | 495 |
| Total risk-based capital ratio | 30.1788% | 514 |
| Memoranda: | ||
| Average total assets | $920,440,330 | 828 |
| Average earning assets | $875,524,670 | 808 |
| Average equity | $108,080,000 | 788 |
| Average total loans | $156,812,670 | 2,587 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4166% | 4,998 |
| Cost of funding earning assets | 0.9100% | 565 |
| Net interest margin | 2.5065% | 5,389 |
| Noninterest income to average assets | 0.2959% | 4,183 |
| Noninterest expense to average assets | 1.5084% | 5,386 |
| Loan and lease loss provision to assets | 0.0100% | 3,390 |
| Net operating income to assets | 1.1629% | 2,167 |
| Return on assets (ROA) | 1.1911% | 2,061 |
| Pretax return on assets | 1.1911% | 2,792 |
| Return on Equity (ROE) | 9.9111% | 2,483 |
| Retained earnings to average equity (ytd only) | 3.3930% | 3,851 |
| Net charge-offs to loans | 0.2345% | 645 |
| Credit loss provision to net charge-offs | 25.8427% | 2,091 |
| Earnings coverage of net charge-offs (x) | 30.2809% | 1,234 |
| Efficiency ratio | 55.8026% | 4,609 |
| Assets per employee ($millions) | 8.3892% | 548 |
| Cash dividends to net income (ytd only)* | 65.7654% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 934 |
| Loan loss allowance to noncurrent loans | 72.8024% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 3,171 |
| Noncurrent loans to loans | 2.3410% | 611 |
| Net loans and leases to total assets | 16.5120% | 5,524 |
| Net loans and leases to deposits | 18.7177% | 5,526 |
| Net loans and leases to core deposits | 21.9018% | 5,514 |
| Total domestic deposits to total assets | 88.2163% | 1,497 |
| Equity capital to assets | 11.4326% | 2,188 |
| Core capital (leverage) ratio | 11.6870% | 1,865 |
| Tier 1 risk-based capital ratio | 30.2017% | 465 |
| Total risk-based capital ratio | 30.9452% | 475 |
| Memoranda: | ||
| Average total assets | $919,119,500 | 838 |
| Average earning assets | $874,682,500 | 810 |
| Average equity | $110,462,500 | 771 |
| Average total loans | $151,805,000 | 2,666 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4435% | 4,875 |
| Cost of funding earning assets | 0.8404% | 502 |
| Net interest margin | 2.6030% | 5,349 |
| Noninterest income to average assets | 0.2799% | 4,457 |
| Noninterest expense to average assets | 1.5296% | 5,456 |
| Loan and lease loss provision to assets | 0.0840% | 2,529 |
| Net operating income to assets | 2.0155% | 275 |
| Return on assets (ROA) | 2.0774% | 247 |
| Pretax return on assets | 1.2301% | 2,636 |
| Return on Equity (ROE) | 18.1451% | 294 |
| Retained earnings to average equity (ytd only) | 14.6761% | 88 |
| Net charge-offs to loans | 0.1140% | 1,913 |
| Credit loss provision to net charge-offs | 472.6708% | 664 |
| Earnings coverage of net charge-offs (x) | 70.4969% | 850 |
| Efficiency ratio | 54.5429% | 4,902 |
| Assets per employee ($millions) | 8.3984% | 552 |
| Cash dividends to net income (ytd only)* | 19.1184% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8224% | 752 |
| Loan loss allowance to noncurrent loans | 68.2976% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 3,061 |
| Noncurrent loans to loans | 2.6684% | 473 |
| Net loans and leases to total assets | 15.9363% | 5,595 |
| Net loans and leases to deposits | 18.3246% | 5,602 |
| Net loans and leases to core deposits | 21.5632% | 5,584 |
| Total domestic deposits to total assets | 86.9666% | 2,014 |
| Equity capital to assets | 12.6088% | 1,452 |
| Core capital (leverage) ratio | 11.7510% | 1,760 |
| Tier 1 risk-based capital ratio | 30.7373% | 435 |
| Total risk-based capital ratio | 31.5187% | 448 |
| Memoranda: | ||
| Average total assets | $906,430,200 | 824 |
| Average earning assets | $871,213,200 | 778 |
| Average equity | $103,774,400 | 794 |
| Average total loans | $141,237,800 | 2,760 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4392% | 4,908 |
| Cost of funding earning assets | 0.8273% | 497 |
| Net interest margin | 2.6119% | 5,397 |
| Noninterest income to average assets | 0.2996% | 4,384 |
| Noninterest expense to average assets | 1.5191% | 5,503 |
| Loan and lease loss provision to assets | 0.0665% | 2,737 |
| Net operating income to assets | 1.0561% | 2,303 |
| Return on assets (ROA) | 1.1186% | 2,064 |
| Pretax return on assets | 1.3043% | 2,466 |
| Return on Equity (ROE) | 10.0280% | 2,120 |
| Retained earnings to average equity (ytd only) | 7.1859% | 1,592 |
| Net charge-offs to loans | 0.1339% | 1,455 |
| Credit loss provision to net charge-offs | 322.1429% | 932 |
| Earnings coverage of net charge-offs (x) | 62.8792% | 961 |
| Efficiency ratio | 53.4834% | 4,970 |
| Assets per employee ($millions) | 8.2566% | 574 |
| Cash dividends to net income (ytd only)* | 28.3417% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 1,018 |
| Loan loss allowance to noncurrent loans | 132.5479% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 4,109 |
| Noncurrent loans to loans | 1.2881% | 1,486 |
| Net loans and leases to total assets | 15.4744% | 5,666 |
| Net loans and leases to deposits | 17.8708% | 5,670 |
| Net loans and leases to core deposits | 21.0535% | 5,652 |
| Total domestic deposits to total assets | 86.5904% | 2,052 |
| Equity capital to assets | 12.1697% | 1,854 |
| Core capital (leverage) ratio | 10.8768% | 2,574 |
| Tier 1 risk-based capital ratio | 30.0187% | 475 |
| Total risk-based capital ratio | 30.7688% | 490 |
| Memoranda: | ||
| Average total assets | $904,181,000 | 829 |
| Average earning assets | $871,533,750 | 782 |
| Average equity | $100,862,000 | 815 |
| Average total loans | $139,399,000 | 2,805 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4407% | 4,899 |
| Cost of funding earning assets | 0.8144% | 491 |
| Net interest margin | 2.6263% | 5,418 |
| Noninterest income to average assets | 0.2785% | 4,558 |
| Noninterest expense to average assets | 1.5316% | 5,547 |
| Loan and lease loss provision to assets | 0.0727% | 2,518 |
| Net operating income to assets | 1.0370% | 2,265 |
| Return on assets (ROA) | 1.0636% | 2,193 |
| Pretax return on assets | 1.2363% | 2,633 |
| Return on Equity (ROE) | 9.8311% | 2,115 |
| Retained earnings to average equity (ytd only) | 5.4422% | 2,444 |
| Net charge-offs to loans | 0.5107% | 383 |
| Credit loss provision to net charge-offs | 92.9379% | 2,110 |
| Earnings coverage of net charge-offs (x) | 16.3475% | 1,987 |
| Efficiency ratio | 54.0717% | 5,011 |
| Assets per employee ($millions) | 8.7227% | 461 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 1,624 |
| Loan loss allowance to noncurrent loans | 212.9857% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 4,601 |
| Noncurrent loans to loans | 0.6983% | 2,656 |
| Net loans and leases to total assets | 15.0644% | 5,718 |
| Net loans and leases to deposits | 17.1394% | 5,721 |
| Net loans and leases to core deposits | 20.5484% | 5,703 |
| Total domestic deposits to total assets | 87.8938% | 1,510 |
| Equity capital to assets | 11.6329% | 2,206 |
| Core capital (leverage) ratio | 10.4013% | 3,023 |
| Tier 1 risk-based capital ratio | 28.6649% | 518 |
| Total risk-based capital ratio | 29.3000% | 536 |
| Memoranda: | ||
| Average total assets | $905,584,670 | 835 |
| Average earning assets | $872,786,330 | 789 |
| Average equity | $97,974,670 | 843 |
| Average total loans | $138,637,330 | 2,827 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4303% | 4,874 |
| Cost of funding earning assets | 0.8080% | 464 |
| Net interest margin | 2.6223% | 5,453 |
| Noninterest income to average assets | 0.3016% | 4,402 |
| Noninterest expense to average assets | 1.4859% | 5,639 |
| Loan and lease loss provision to assets | 0.0644% | 2,513 |
| Net operating income to assets | 1.0758% | 1,958 |
| Return on assets (ROA) | 1.0777% | 2,001 |
| Pretax return on assets | 1.2794% | 2,309 |
| Return on Equity (ROE) | 10.3575% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.3575% | 735 |
| Net charge-offs to loans | 0.0957% | 1,406 |
| Credit loss provision to net charge-offs | 439.3939% | 616 |
| Earnings coverage of net charge-offs (x) | 91.5152% | 582 |
| Efficiency ratio | 52.1131% | 5,257 |
| Assets per employee ($millions) | 8.5193% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 1,324 |
| Loan loss allowance to noncurrent loans | 255.4661% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 4,663 |
| Noncurrent loans to loans | 0.6354% | 2,923 |
| Net loans and leases to total assets | 14.7589% | 5,788 |
| Net loans and leases to deposits | 16.5588% | 5,788 |
| Net loans and leases to core deposits | 19.7316% | 5,771 |
| Total domestic deposits to total assets | 89.1301% | 1,092 |
| Equity capital to assets | 10.5372% | 3,145 |
| Core capital (leverage) ratio | 10.3782% | 3,030 |
| Tier 1 risk-based capital ratio | 28.6582% | 523 |
| Total risk-based capital ratio | 29.3385% | 541 |
| Memoranda: | ||
| Average total assets | $900,437,500 | 842 |
| Average earning assets | $867,333,500 | 799 |
| Average equity | $93,690,500 | 872 |
| Average total loans | $137,928,500 | 2,847 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3468% | 5,085 |
| Cost of funding earning assets | 0.8536% | 383 |
| Net interest margin | 2.4932% | 5,592 |
| Noninterest income to average assets | 0.2864% | 4,697 |
| Noninterest expense to average assets | 1.5554% | 5,684 |
| Loan and lease loss provision to assets | 0.0232% | 3,905 |
| Net operating income to assets | 0.9670% | 2,501 |
| Return on assets (ROA) | 1.1350% | 1,843 |
| Pretax return on assets | 1.3171% | 2,222 |
| Return on Equity (ROE) | 9.7565% | 2,076 |
| Retained earnings to average equity (ytd only) | 7.3179% | 1,106 |
| Net charge-offs to loans | 0.0377% | 3,275 |
| Credit loss provision to net charge-offs | 436.3636% | 731 |
| Earnings coverage of net charge-offs (x) | 215.5227% | 322 |
| Efficiency ratio | 53.7891% | 5,258 |
| Assets per employee ($millions) | 8.3897% | 518 |
| Cash dividends to net income (ytd only)* | 24.9947% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,614 |
| Loan loss allowance to noncurrent loans | 64.6229% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 3,619 |
| Noncurrent loans to loans | 2.3451% | 699 |
| Net loans and leases to total assets | 15.4043% | 5,841 |
| Net loans and leases to deposits | 17.2291% | 5,844 |
| Net loans and leases to core deposits | 20.4532% | 5,830 |
| Total domestic deposits to total assets | 89.4088% | 896 |
| Equity capital to assets | 10.2695% | 3,423 |
| Core capital (leverage) ratio | 10.5516% | 2,829 |
| Tier 1 risk-based capital ratio | 28.2617% | 553 |
| Total risk-based capital ratio | 28.9129% | 571 |
| Memoranda: | ||
| Average total assets | $828,334,000 | 878 |
| Average earning assets | $801,986,600 | 838 |
| Average equity | $96,366,200 | 820 |
| Average total loans | $116,853,800 | 3,114 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3327% | 5,161 |
| Cost of funding earning assets | 0.8563% | 366 |
| Net interest margin | 2.4764% | 5,669 |
| Noninterest income to average assets | 0.2865% | 4,720 |
| Noninterest expense to average assets | 1.3438% | 5,847 |
| Loan and lease loss provision to assets | 0.0080% | 4,074 |
| Net operating income to assets | 1.1363% | 1,858 |
| Return on assets (ROA) | 1.3374% | 1,275 |
| Pretax return on assets | 1.5732% | 1,453 |
| Return on Equity (ROE) | 11.1389% | 1,623 |
| Retained earnings to average equity (ytd only) | 9.3634% | 722 |
| Net charge-offs to loans | 0.0252% | 3,165 |
| Credit loss provision to net charge-offs | 233.3333% | 1,259 |
| Earnings coverage of net charge-offs (x) | 390.4664% | 230 |
| Efficiency ratio | 49.8994% | 5,505 |
| Assets per employee ($millions) | 9.2935% | 377 |
| Cash dividends to net income (ytd only)* | 15.9392% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7373% | 1,132 |
| Loan loss allowance to noncurrent loans | 231.9720% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 4,852 |
| Noncurrent loans to loans | 0.7489% | 2,799 |
| Net loans and leases to total assets | 13.1510% | 5,920 |
| Net loans and leases to deposits | 15.1876% | 5,922 |
| Net loans and leases to core deposits | 15.5738% | 5,919 |
| Total domestic deposits to total assets | 86.5904% | 2,091 |
| Equity capital to assets | 12.5895% | 1,723 |
| Core capital (leverage) ratio | 10.4805% | 3,015 |
| Tier 1 risk-based capital ratio | 29.1202% | 519 |
| Total risk-based capital ratio | 29.8033% | 538 |
| Memoranda: | ||
| Average total assets | $813,089,750 | 893 |
| Average earning assets | $788,650,500 | 848 |
| Average equity | $97,625,750 | 813 |
| Average total loans | $111,292,250 | 3,208 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4039% | 5,072 |
| Cost of funding earning assets | 0.8651% | 345 |
| Net interest margin | 2.5388% | 5,718 |
| Noninterest income to average assets | 0.2983% | 4,650 |
| Noninterest expense to average assets | 1.2982% | 5,945 |
| Loan and lease loss provision to assets | 0.0075% | 3,921 |
| Net operating income to assets | 1.2365% | 1,478 |
| Return on assets (ROA) | 1.4163% | 1,081 |
| Pretax return on assets | 1.6668% | 1,177 |
| Return on Equity (ROE) | 12.0037% | 1,321 |
| Retained earnings to average equity (ytd only) | 9.2462% | 783 |
| Net charge-offs to loans | 0.0236% | 3,017 |
| Credit loss provision to net charge-offs | 230.7692% | 1,176 |
| Earnings coverage of net charge-offs (x) | 449.6154% | 154 |
| Efficiency ratio | 47.0178% | 5,709 |
| Assets per employee ($millions) | 9.7673% | 304 |
| Cash dividends to net income (ytd only)* | 22.9723% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7804% | 1,109 |
| Loan loss allowance to noncurrent loans | 317.8457% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 5,224 |
| Noncurrent loans to loans | 0.5601% | 3,388 |
| Net loans and leases to total assets | 13.4536% | 5,999 |
| Net loans and leases to deposits | 15.5948% | 5,999 |
| Net loans and leases to core deposits | 18.4113% | 5,989 |
| Total domestic deposits to total assets | 86.2697% | 2,285 |
| Equity capital to assets | 12.7848% | 1,617 |
| Core capital (leverage) ratio | 10.1593% | 3,376 |
| Tier 1 risk-based capital ratio | 28.5716% | 559 |
| Total risk-based capital ratio | 29.2804% | 576 |
| Memoranda: | ||
| Average total assets | $799,119,330 | 906 |
| Average earning assets | $775,158,670 | 866 |
| Average equity | $94,287,670 | 844 |
| Average total loans | $110,246,670 | 3,231 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4506% | 5,003 |
| Cost of funding earning assets | 0.8699% | 342 |
| Net interest margin | 2.5807% | 5,739 |
| Noninterest income to average assets | 0.3071% | 4,529 |
| Noninterest expense to average assets | 1.3155% | 5,997 |
| Loan and lease loss provision to assets | 0.0076% | 3,584 |
| Net operating income to assets | 1.2655% | 1,352 |
| Return on assets (ROA) | 1.3997% | 1,095 |
| Pretax return on assets | 1.6457% | 1,190 |
| Return on Equity (ROE) | 12.3915% | 1,189 |
| Retained earnings to average equity (ytd only) | 12.3915% | 448 |
| Net charge-offs to loans | -0.0109% | 4,571 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7982% | 5,780 |
| Assets per employee ($millions) | 9.9619% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8646% | 1,022 |
| Loan loss allowance to noncurrent loans | 278.5915% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 5,221 |
| Noncurrent loans to loans | 0.6693% | 3,167 |
| Net loans and leases to total assets | 12.9011% | 6,059 |
| Net loans and leases to deposits | 14.6727% | 6,060 |
| Net loans and leases to core deposits | 17.5190% | 6,042 |
| Total domestic deposits to total assets | 87.9262% | 1,685 |
| Equity capital to assets | 11.4308% | 2,507 |
| Core capital (leverage) ratio | 9.9313% | 3,625 |
| Tier 1 risk-based capital ratio | 28.2172% | 595 |
| Total risk-based capital ratio | 28.9321% | 619 |
| Memoranda: | ||
| Average total assets | $793,337,500 | 914 |
| Average earning assets | $769,721,500 | 877 |
| Average equity | $89,609,500 | 892 |
| Average total loans | $109,848,500 | 3,242 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5195% | 4,864 |
| Cost of funding earning assets | 0.8615% | 348 |
| Net interest margin | 2.6580% | 5,692 |
| Noninterest income to average assets | 0.4870% | 3,420 |
| Noninterest expense to average assets | 1.3267% | 6,066 |
| Loan and lease loss provision to assets | 0.0157% | 4,098 |
| Net operating income to assets | 1.1684% | 1,677 |
| Return on assets (ROA) | 1.3264% | 1,252 |
| Pretax return on assets | 1.9483% | 604 |
| Return on Equity (ROE) | 12.6426% | 1,144 |
| Retained earnings to average equity (ytd only) | 10.7686% | 369 |
| Net charge-offs to loans | -0.0642% | 5,637 |
| Credit loss provision to net charge-offs | -171.4286% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3801% | 5,995 |
| Assets per employee ($millions) | 9.8704% | 286 |
| Cash dividends to net income (ytd only)* | 14.8236% | 3,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 1,297 |
| Loan loss allowance to noncurrent loans | 332.7674% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 5,329 |
| Noncurrent loans to loans | 0.5184% | 3,617 |
| Net loans and leases to total assets | 14.3195% | 6,111 |
| Net loans and leases to deposits | 16.2110% | 6,115 |
| Net loans and leases to core deposits | 19.3242% | 6,099 |
| Total domestic deposits to total assets | 88.3324% | 1,459 |
| Equity capital to assets | 11.1550% | 2,673 |
| Core capital (leverage) ratio | 9.9106% | 3,626 |
| Tier 1 risk-based capital ratio | 26.9333% | 668 |
| Total risk-based capital ratio | 27.6344% | 693 |
| Memoranda: | ||
| Average total assets | $762,877,800 | 909 |
| Average earning assets | $737,994,600 | 862 |
| Average equity | $80,038,600 | 955 |
| Average total loans | $108,958,800 | 3,219 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5287% | 4,919 |
| Cost of funding earning assets | 0.8583% | 363 |
| Net interest margin | 2.6703% | 5,759 |
| Noninterest income to average assets | 0.5583% | 2,996 |
| Noninterest expense to average assets | 1.3344% | 6,134 |
| Loan and lease loss provision to assets | 0.0185% | 3,908 |
| Net operating income to assets | 1.3850% | 1,143 |
| Return on assets (ROA) | 1.5949% | 810 |
| Pretax return on assets | 2.0569% | 537 |
| Return on Equity (ROE) | 15.4525% | 671 |
| Retained earnings to average equity (ytd only) | 14.7714% | 175 |
| Net charge-offs to loans | -0.1954% | 5,986 |
| Credit loss provision to net charge-offs | -66.4557% | 4,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4878% | 6,075 |
| Assets per employee ($millions) | 9.5719% | 309 |
| Cash dividends to net income (ytd only)* | 4.4077% | 3,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8916% | 1,091 |
| Loan loss allowance to noncurrent loans | 314.7059% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 5,414 |
| Noncurrent loans to loans | 0.6011% | 3,521 |
| Net loans and leases to total assets | 13.7699% | 6,201 |
| Net loans and leases to deposits | 15.5548% | 6,205 |
| Net loans and leases to core deposits | 18.9038% | 6,193 |
| Total domestic deposits to total assets | 88.5250% | 1,290 |
| Equity capital to assets | 10.6956% | 3,362 |
| Core capital (leverage) ratio | 9.8107% | 3,887 |
| Tier 1 risk-based capital ratio | 26.8761% | 697 |
| Total risk-based capital ratio | 27.6152% | 719 |
| Memoranda: | ||
| Average total assets | $758,657,250 | 914 |
| Average earning assets | $733,669,500 | 869 |
| Average equity | $78,302,750 | 974 |
| Average total loans | $107,794,000 | 3,267 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5226% | 4,927 |
| Cost of funding earning assets | 0.8575% | 367 |
| Net interest margin | 2.6651% | 5,805 |
| Noninterest income to average assets | 0.2692% | 5,026 |
| Noninterest expense to average assets | 1.3180% | 6,216 |
| Loan and lease loss provision to assets | 0.0238% | 3,661 |
| Net operating income to assets | 1.1183% | 1,883 |
| Return on assets (ROA) | 1.3862% | 1,157 |
| Pretax return on assets | 1.8667% | 793 |
| Return on Equity (ROE) | 13.5974% | 983 |
| Retained earnings to average equity (ytd only) | 12.5598% | 345 |
| Net charge-offs to loans | -0.2910% | 6,114 |
| Credit loss provision to net charge-offs | -57.3248% | 4,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3025% | 6,029 |
| Assets per employee ($millions) | 9.0248% | 370 |
| Cash dividends to net income (ytd only)* | 7.6307% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9196% | 1,125 |
| Loan loss allowance to noncurrent loans | 379.8493% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 5,577 |
| Noncurrent loans to loans | 0.5054% | 3,946 |
| Net loans and leases to total assets | 13.5943% | 6,277 |
| Net loans and leases to deposits | 15.1792% | 6,283 |
| Net loans and leases to core deposits | 18.0779% | 6,268 |
| Total domestic deposits to total assets | 89.5588% | 869 |
| Equity capital to assets | 9.5606% | 4,583 |
| Core capital (leverage) ratio | 9.2796% | 4,579 |
| Tier 1 risk-based capital ratio | 25.6429% | 805 |
| Total risk-based capital ratio | 26.3847% | 836 |
| Memoranda: | ||
| Average total assets | $756,292,670 | 921 |
| Average earning assets | $731,390,330 | 881 |
| Average equity | $77,103,000 | 998 |
| Average total loans | $107,900,000 | 3,289 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5215% | 4,908 |
| Cost of funding earning assets | 0.8530% | 373 |
| Net interest margin | 2.6685% | 5,841 |
| Noninterest income to average assets | 0.2685% | 5,029 |
| Noninterest expense to average assets | 1.3238% | 6,273 |
| Loan and lease loss provision to assets | 0.0397% | 3,117 |
| Net operating income to assets | 1.1060% | 1,848 |
| Return on assets (ROA) | 1.4069% | 1,076 |
| Pretax return on assets | 1.8957% | 723 |
| Return on Equity (ROE) | 13.3827% | 1,014 |
| Retained earnings to average equity (ytd only) | 13.3827% | 409 |
| Net charge-offs to loans | -0.0622% | 5,631 |
| Credit loss provision to net charge-offs | -441.1765% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4080% | 6,088 |
| Assets per employee ($millions) | 9.1442% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 1,577 |
| Loan loss allowance to noncurrent loans | 329.5575% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 5,552 |
| Noncurrent loans to loans | 0.5351% | 3,973 |
| Net loans and leases to total assets | 13.5051% | 6,339 |
| Net loans and leases to deposits | 15.1514% | 6,353 |
| Net loans and leases to core deposits | 17.7436% | 6,328 |
| Total domestic deposits to total assets | 89.1346% | 1,180 |
| Equity capital to assets | 10.5338% | 3,496 |
| Core capital (leverage) ratio | 8.9974% | 4,959 |
| Tier 1 risk-based capital ratio | 24.9130% | 893 |
| Total risk-based capital ratio | 25.6036% | 934 |
| Memoranda: | ||
| Average total assets | $755,398,000 | 920 |
| Average earning assets | $731,504,000 | 885 |
| Average equity | $79,416,000 | 965 |
| Average total loans | $109,313,500 | 3,270 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 4,435 |
| Cost of funding earning assets | 0.9526% | 285 |
| Net interest margin | 2.8649% | 5,707 |
| Noninterest income to average assets | 0.3010% | 4,967 |
| Noninterest expense to average assets | 1.3800% | 6,365 |
| Loan and lease loss provision to assets | 0.0747% | 2,990 |
| Net operating income to assets | 1.2809% | 1,346 |
| Return on assets (ROA) | 1.3328% | 1,275 |
| Pretax return on assets | 1.6602% | 1,073 |
| Return on Equity (ROE) | 15.1507% | 756 |
| Retained earnings to average equity (ytd only) | 13.8572% | 186 |
| Net charge-offs to loans | -0.1172% | 6,155 |
| Credit loss provision to net charge-offs | -406.9767% | 5,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2455% | 6,292 |
| Assets per employee ($millions) | 8.8415% | 371 |
| Cash dividends to net income (ytd only)* | 8.5379% | 4,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 2,207 |
| Loan loss allowance to noncurrent loans | 226.6325% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 5,508 |
| Noncurrent loans to loans | 0.6910% | 3,611 |
| Net loans and leases to total assets | 14.9809% | 6,419 |
| Net loans and leases to deposits | 16.7817% | 6,429 |
| Net loans and leases to core deposits | 19.5013% | 6,409 |
| Total domestic deposits to total assets | 89.2691% | 1,087 |
| Equity capital to assets | 10.4918% | 3,492 |
| Core capital (leverage) ratio | 9.2977% | 4,543 |
| Tier 1 risk-based capital ratio | 25.2328% | 819 |
| Total risk-based capital ratio | 25.9031% | 854 |
| Memoranda: | ||
| Average total assets | $703,027,600 | 952 |
| Average earning assets | $674,609,000 | 911 |
| Average equity | $61,845,200 | 1,183 |
| Average total loans | $110,102,200 | 3,214 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8957% | 4,190 |
| Cost of funding earning assets | 0.9705% | 277 |
| Net interest margin | 2.9252% | 5,649 |
| Noninterest income to average assets | 0.3078% | 4,979 |
| Noninterest expense to average assets | 1.3860% | 6,415 |
| Loan and lease loss provision to assets | 0.0866% | 2,617 |
| Net operating income to assets | 1.3691% | 1,199 |
| Return on assets (ROA) | 1.4066% | 1,161 |
| Pretax return on assets | 1.6811% | 1,111 |
| Return on Equity (ROE) | 16.8593% | 567 |
| Retained earnings to average equity (ytd only) | 16.1676% | 161 |
| Net charge-offs to loans | -0.1975% | 6,307 |
| Credit loss provision to net charge-offs | -277.7778% | 5,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5799% | 6,343 |
| Assets per employee ($millions) | 8.6827% | 384 |
| Cash dividends to net income (ytd only)* | 4.1028% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 2,782 |
| Loan loss allowance to noncurrent loans | 276.0383% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 5,641 |
| Noncurrent loans to loans | 0.5391% | 4,318 |
| Net loans and leases to total assets | 16.0665% | 6,497 |
| Net loans and leases to deposits | 17.8518% | 6,509 |
| Net loans and leases to core deposits | 20.7665% | 6,483 |
| Total domestic deposits to total assets | 89.9990% | 731 |
| Equity capital to assets | 9.7212% | 4,533 |
| Core capital (leverage) ratio | 9.2672% | 4,682 |
| Tier 1 risk-based capital ratio | 24.5812% | 922 |
| Total risk-based capital ratio | 25.2346% | 973 |
| Memoranda: | ||
| Average total assets | $693,112,750 | 975 |
| Average earning assets | $663,723,750 | 937 |
| Average equity | $57,826,250 | 1,267 |
| Average total loans | $109,370,000 | 3,253 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 3,940 |
| Cost of funding earning assets | 0.9887% | 269 |
| Net interest margin | 2.9592% | 5,612 |
| Noninterest income to average assets | 0.2991% | 5,015 |
| Noninterest expense to average assets | 1.3814% | 6,486 |
| Loan and lease loss provision to assets | 0.1092% | 2,196 |
| Net operating income to assets | 1.3524% | 1,179 |
| Return on assets (ROA) | 1.3727% | 1,165 |
| Pretax return on assets | 1.6601% | 1,116 |
| Return on Equity (ROE) | 17.4493% | 509 |
| Retained earnings to average equity (ytd only) | 16.3389% | 161 |
| Net charge-offs to loans | 0.0878% | 2,813 |
| Credit loss provision to net charge-offs | 797.8723% | 409 |
| Earnings coverage of net charge-offs (x) | 127.4894% | 471 |
| Efficiency ratio | 44.1878% | 6,411 |
| Assets per employee ($millions) | 8.5872% | 386 |
| Cash dividends to net income (ytd only)* | 6.3640% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 3,771 |
| Loan loss allowance to noncurrent loans | 231.0400% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 5,668 |
| Noncurrent loans to loans | 0.5695% | 4,311 |
| Net loans and leases to total assets | 15.3806% | 6,561 |
| Net loans and leases to deposits | 17.3242% | 6,574 |
| Net loans and leases to core deposits | 20.4018% | 6,551 |
| Total domestic deposits to total assets | 88.7811% | 1,486 |
| Equity capital to assets | 9.3174% | 4,963 |
| Core capital (leverage) ratio | 8.8899% | 5,177 |
| Tier 1 risk-based capital ratio | 23.5840% | 1,036 |
| Total risk-based capital ratio | 24.1299% | 1,113 |
| Memoranda: | ||
| Average total assets | $686,823,670 | 982 |
| Average earning assets | $656,200,670 | 946 |
| Average equity | $54,030,670 | 1,344 |
| Average total loans | $107,120,670 | 3,307 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 3,798 |
| Cost of funding earning assets | 1.0124% | 260 |
| Net interest margin | 2.9604% | 5,623 |
| Noninterest income to average assets | 0.2949% | 5,010 |
| Noninterest expense to average assets | 1.3961% | 6,562 |
| Loan and lease loss provision to assets | 0.0885% | 2,441 |
| Net operating income to assets | 1.3057% | 1,197 |
| Return on assets (ROA) | 1.3189% | 1,214 |
| Pretax return on assets | 1.6468% | 1,079 |
| Return on Equity (ROE) | 18.5401% | 395 |
| Retained earnings to average equity (ytd only) | 18.5401% | 159 |
| Net charge-offs to loans | -0.1248% | 6,207 |
| Credit loss provision to net charge-offs | -454.5455% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8211% | 6,466 |
| Assets per employee ($millions) | 8.1804% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 4,393 |
| Loan loss allowance to noncurrent loans | 144.8161% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 5,586 |
| Noncurrent loans to loans | 0.8615% | 3,740 |
| Net loans and leases to total assets | 14.7878% | 6,633 |
| Net loans and leases to deposits | 16.1284% | 6,650 |
| Net loans and leases to core deposits | 18.9622% | 6,629 |
| Total domestic deposits to total assets | 91.6883% | 332 |
| Equity capital to assets | 7.6283% | 6,262 |
| Core capital (leverage) ratio | 8.7030% | 5,376 |
| Tier 1 risk-based capital ratio | 23.0266% | 1,143 |
| Total risk-based capital ratio | 23.5236% | 1,228 |
| Memoranda: | ||
| Average total assets | $678,159,500 | 1,003 |
| Average earning assets | $645,984,000 | 964 |
| Average equity | $48,241,500 | 1,484 |
| Average total loans | $105,807,500 | 3,349 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9591% | 4,244 |
| Cost of funding earning assets | 1.1192% | 252 |
| Net interest margin | 2.8399% | 5,916 |
| Noninterest income to average assets | 0.2905% | 5,275 |
| Noninterest expense to average assets | 1.4240% | 6,618 |
| Loan and lease loss provision to assets | 0.0701% | 3,721 |
| Net operating income to assets | 1.4322% | 961 |
| Return on assets (ROA) | 1.5582% | 770 |
| Pretax return on assets | 1.6437% | 1,065 |
| Return on Equity (ROE) | 18.9282% | 343 |
| Retained earnings to average equity (ytd only) | 16.4283% | 139 |
| Net charge-offs to loans | 1.3531% | 368 |
| Credit loss provision to net charge-offs | 30.4258% | 4,241 |
| Earnings coverage of net charge-offs (x) | 6.8599% | 2,962 |
| Efficiency ratio | 47.3845% | 6,507 |
| Assets per employee ($millions) | 8.0608% | 457 |
| Cash dividends to net income (ytd only)* | 13.2074% | 3,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 5,385 |
| Loan loss allowance to noncurrent loans | 160.5755% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 5,679 |
| Noncurrent loans to loans | 0.6466% | 4,359 |
| Net loans and leases to total assets | 16.0934% | 6,708 |
| Net loans and leases to deposits | 17.2705% | 6,725 |
| Net loans and leases to core deposits | 20.3792% | 6,697 |
| Total domestic deposits to total assets | 93.1844% | 119 |
| Equity capital to assets | 6.5722% | 6,560 |
| Core capital (leverage) ratio | 8.7815% | 5,309 |
| Tier 1 risk-based capital ratio | 21.9567% | 1,264 |
| Total risk-based capital ratio | 22.3798% | 1,379 |
| Memoranda: | ||
| Average total assets | $631,685,800 | 1,059 |
| Average earning assets | $603,816,800 | 1,018 |
| Average equity | $52,001,800 | 1,365 |
| Average total loans | $107,606,200 | 3,289 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9244% | 4,412 |
| Cost of funding earning assets | 1.1301% | 262 |
| Net interest margin | 2.7942% | 6,030 |
| Noninterest income to average assets | 0.3197% | 5,132 |
| Noninterest expense to average assets | 1.4150% | 6,685 |
| Loan and lease loss provision to assets | 0.0359% | 4,302 |
| Net operating income to assets | 1.5231% | 864 |
| Return on assets (ROA) | 1.6928% | 659 |
| Pretax return on assets | 1.7195% | 1,058 |
| Return on Equity (ROE) | 19.5210% | 335 |
| Retained earnings to average equity (ytd only) | 17.3047% | 125 |
| Net charge-offs to loans | 1.3886% | 370 |
| Credit loss provision to net charge-offs | 14.9866% | 4,150 |
| Earnings coverage of net charge-offs (x) | 6.6093% | 2,938 |
| Efficiency ratio | 47.2105% | 6,541 |
| Assets per employee ($millions) | 8.0295% | 457 |
| Cash dividends to net income (ytd only)* | 11.3536% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 5,192 |
| Loan loss allowance to noncurrent loans | 306.2500% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 5,874 |
| Noncurrent loans to loans | 0.3699% | 5,290 |
| Net loans and leases to total assets | 15.9800% | 6,793 |
| Net loans and leases to deposits | 17.4433% | 6,807 |
| Net loans and leases to core deposits | 20.7739% | 6,782 |
| Total domestic deposits to total assets | 91.6111% | 340 |
| Equity capital to assets | 7.0034% | 6,551 |
| Core capital (leverage) ratio | 8.8259% | 5,370 |
| Tier 1 risk-based capital ratio | 21.9277% | 1,332 |
| Total risk-based capital ratio | 22.3851% | 1,441 |
| Memoranda: | ||
| Average total assets | $624,361,250 | 1,075 |
| Average earning assets | $598,262,000 | 1,033 |
| Average equity | $54,142,000 | 1,324 |
| Average total loans | $107,635,000 | 3,314 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 4,592 |
| Cost of funding earning assets | 1.1385% | 278 |
| Net interest margin | 2.7310% | 6,128 |
| Noninterest income to average assets | 0.3124% | 5,202 |
| Noninterest expense to average assets | 1.3733% | 6,746 |
| Loan and lease loss provision to assets | 0.0469% | 4,036 |
| Net operating income to assets | 1.4659% | 955 |
| Return on assets (ROA) | 1.7207% | 651 |
| Pretax return on assets | 1.7795% | 971 |
| Return on Equity (ROE) | 18.6035% | 420 |
| Retained earnings to average equity (ytd only) | 15.4563% | 215 |
| Net charge-offs to loans | 0.5656% | 1,163 |
| Credit loss provision to net charge-offs | 47.0779% | 3,270 |
| Earnings coverage of net charge-offs (x) | 15.6981% | 1,718 |
| Efficiency ratio | 46.7570% | 6,602 |
| Assets per employee ($millions) | 8.0514% | 451 |
| Cash dividends to net income (ytd only)* | 16.9173% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7650% | 2,548 |
| Loan loss allowance to noncurrent loans | 89.1206% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 5,167 |
| Noncurrent loans to loans | 1.9804% | 2,426 |
| Net loans and leases to total assets | 17.4240% | 6,824 |
| Net loans and leases to deposits | 18.9930% | 6,843 |
| Net loans and leases to core deposits | 22.8072% | 6,818 |
| Total domestic deposits to total assets | 91.7391% | 306 |
| Equity capital to assets | 8.0002% | 6,197 |
| Core capital (leverage) ratio | 8.6871% | 5,441 |
| Tier 1 risk-based capital ratio | 21.8381% | 1,316 |
| Total risk-based capital ratio | 22.6370% | 1,379 |
| Memoranda: | ||
| Average total assets | $618,362,000 | 1,086 |
| Average earning assets | $594,298,000 | 1,038 |
| Average equity | $57,193,670 | 1,262 |
| Average total loans | $108,905,000 | 3,300 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 4,802 |
| Cost of funding earning assets | 1.1391% | 305 |
| Net interest margin | 2.6690% | 6,273 |
| Noninterest income to average assets | 0.3364% | 5,005 |
| Noninterest expense to average assets | 1.4141% | 6,806 |
| Loan and lease loss provision to assets | 0.0143% | 4,274 |
| Net operating income to assets | 1.4136% | 1,004 |
| Return on assets (ROA) | 1.7270% | 600 |
| Pretax return on assets | 1.8118% | 861 |
| Return on Equity (ROE) | 17.4651% | 476 |
| Retained earnings to average equity (ytd only) | 17.4651% | 213 |
| Net charge-offs to loans | 1.0366% | 589 |
| Credit loss provision to net charge-offs | 7.8853% | 3,169 |
| Earnings coverage of net charge-offs (x) | 8.2258% | 1,965 |
| Efficiency ratio | 48.5887% | 6,582 |
| Assets per employee ($millions) | 7.7746% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 2,931 |
| Loan loss allowance to noncurrent loans | 178.4557% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 5,705 |
| Noncurrent loans to loans | 0.9631% | 4,212 |
| Net loans and leases to total assets | 16.9982% | 6,902 |
| Net loans and leases to deposits | 18.8659% | 6,916 |
| Net loans and leases to core deposits | 22.9019% | 6,882 |
| Total domestic deposits to total assets | 90.0998% | 984 |
| Equity capital to assets | 9.5659% | 4,762 |
| Core capital (leverage) ratio | 8.6228% | 5,429 |
| Tier 1 risk-based capital ratio | 22.4460% | 1,254 |
| Total risk-based capital ratio | 23.2549% | 1,304 |
| Memoranda: | ||
| Average total assets | $613,539,500 | 1,106 |
| Average earning assets | $591,676,500 | 1,052 |
| Average equity | $60,669,500 | 1,211 |
| Average total loans | $107,662,500 | 3,343 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 4,740 |
| Cost of funding earning assets | 1.2656% | 422 |
| Net interest margin | 2.8931% | 6,237 |
| Noninterest income to average assets | 0.3760% | 4,782 |
| Noninterest expense to average assets | 1.4144% | 6,906 |
| Loan and lease loss provision to assets | 0.1147% | 4,200 |
| Net operating income to assets | 1.4630% | 986 |
| Return on assets (ROA) | 1.9194% | 459 |
| Pretax return on assets | 2.1399% | 456 |
| Return on Equity (ROE) | 18.8413% | 370 |
| Retained earnings to average equity (ytd only) | 17.2720% | 87 |
| Net charge-offs to loans | 0.9144% | 1,235 |
| Credit loss provision to net charge-offs | 66.1208% | 4,283 |
| Earnings coverage of net charge-offs (x) | 10.0696% | 2,183 |
| Efficiency ratio | 44.7334% | 6,824 |
| Assets per employee ($millions) | 7.6581% | 583 |
| Cash dividends to net income (ytd only)* | 8.3287% | 4,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0008% | 2,018 |
| Loan loss allowance to noncurrent loans | 118.8058% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 5,413 |
| Noncurrent loans to loans | 1.6841% | 3,099 |
| Net loans and leases to total assets | 17.4574% | 6,956 |
| Net loans and leases to deposits | 19.5810% | 6,975 |
| Net loans and leases to core deposits | 23.3492% | 6,944 |
| Total domestic deposits to total assets | 89.1548% | 1,467 |
| Equity capital to assets | 10.2284% | 3,854 |
| Core capital (leverage) ratio | 8.6133% | 5,443 |
| Tier 1 risk-based capital ratio | 23.5875% | 1,020 |
| Total risk-based capital ratio | 24.6067% | 1,041 |
| Memoranda: | ||
| Average total assets | $562,980,800 | 1,177 |
| Average earning assets | $542,114,200 | 1,115 |
| Average equity | $57,352,800 | 1,241 |
| Average total loans | $106,841,200 | 3,356 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 4,632 |
| Cost of funding earning assets | 1.2846% | 470 |
| Net interest margin | 2.9689% | 6,234 |
| Noninterest income to average assets | 0.3867% | 4,733 |
| Noninterest expense to average assets | 1.4105% | 6,987 |
| Loan and lease loss provision to assets | 0.0938% | 4,417 |
| Net operating income to assets | 1.5417% | 956 |
| Return on assets (ROA) | 1.9803% | 450 |
| Pretax return on assets | 2.2349% | 453 |
| Return on Equity (ROE) | 19.4595% | 369 |
| Retained earnings to average equity (ytd only) | 19.4595% | 92 |
| Net charge-offs to loans | 0.3877% | 2,541 |
| Credit loss provision to net charge-offs | 125.4019% | 2,296 |
| Earnings coverage of net charge-offs (x) | 24.5464% | 1,274 |
| Efficiency ratio | 43.4477% | 6,913 |
| Assets per employee ($millions) | 7.1938% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3743% | 1,399 |
| Loan loss allowance to noncurrent loans | 150.3256% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 5,568 |
| Noncurrent loans to loans | 1.5795% | 3,421 |
| Net loans and leases to total assets | 17.9159% | 7,050 |
| Net loans and leases to deposits | 20.2512% | 7,072 |
| Net loans and leases to core deposits | 24.1640% | 7,050 |
| Total domestic deposits to total assets | 88.4682% | 1,740 |
| Equity capital to assets | 10.5509% | 3,780 |
| Core capital (leverage) ratio | 8.5784% | 5,655 |
| Tier 1 risk-based capital ratio | 23.9290% | 1,032 |
| Total risk-based capital ratio | 25.1796% | 1,013 |
| Memoranda: | ||
| Average total assets | $554,392,500 | 1,221 |
| Average earning assets | $534,006,000 | 1,146 |
| Average equity | $56,416,500 | 1,265 |
| Average total loans | $106,949,500 | 3,394 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3762% | 4,275 |
| Cost of funding earning assets | 1.3015% | 529 |
| Net interest margin | 3.0747% | 6,065 |
| Noninterest income to average assets | 0.4110% | 4,573 |
| Noninterest expense to average assets | 1.4016% | 7,056 |
| Loan and lease loss provision to assets | 0.0257% | 5,343 |
| Net operating income to assets | 1.6835% | 696 |
| Return on assets (ROA) | 2.1337% | 353 |
| Pretax return on assets | 2.4629% | 313 |
| Return on Equity (ROE) | 21.2466% | 278 |
| Retained earnings to average equity (ytd only) | 21.2466% | 80 |
| Net charge-offs to loans | 0.4432% | 2,274 |
| Credit loss provision to net charge-offs | 29.5359% | 4,449 |
| Earnings coverage of net charge-offs (x) | 22.6624% | 1,286 |
| Efficiency ratio | 41.5560% | 7,034 |
| Assets per employee ($millions) | 7.2465% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1031% | 1,989 |
| Loan loss allowance to noncurrent loans | 5,459.5238% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 6,376 |
| Noncurrent loans to loans | 0.0385% | 6,585 |
| Net loans and leases to total assets | 18.6444% | 7,098 |
| Net loans and leases to deposits | 21.0382% | 7,125 |
| Net loans and leases to core deposits | 25.1065% | 7,089 |
| Total domestic deposits to total assets | 88.6215% | 1,748 |
| Equity capital to assets | 10.3263% | 3,907 |
| Core capital (leverage) ratio | 8.2981% | 5,910 |
| Tier 1 risk-based capital ratio | 22.8410% | 1,154 |
| Total risk-based capital ratio | 24.0017% | 1,149 |
| Memoranda: | ||
| Average total assets | $544,956,670 | 1,243 |
| Average earning assets | $524,929,670 | 1,170 |
| Average equity | $54,728,670 | 1,297 |
| Average total loans | $106,954,330 | 3,404 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 4,112 |
| Cost of funding earning assets | 1.3200% | 582 |
| Net interest margin | 3.1308% | 5,957 |
| Noninterest income to average assets | 0.4142% | 4,564 |
| Noninterest expense to average assets | 1.4255% | 7,102 |
| Loan and lease loss provision to assets | 0.0414% | 4,874 |
| Net operating income to assets | 1.6992% | 722 |
| Return on assets (ROA) | 2.1408% | 376 |
| Pretax return on assets | 2.4774% | 341 |
| Return on Equity (ROE) | 21.6463% | 288 |
| Retained earnings to average equity (ytd only) | 21.6463% | 140 |
| Net charge-offs to loans | 0.4456% | 1,975 |
| Credit loss provision to net charge-offs | 46.6102% | 3,336 |
| Earnings coverage of net charge-offs (x) | 22.5678% | 1,122 |
| Efficiency ratio | 41.5496% | 7,068 |
| Assets per employee ($millions) | 7.1510% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2220% | 1,842 |
| Loan loss allowance to noncurrent loans | 1,736.9565% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 6,380 |
| Noncurrent loans to loans | 0.1279% | 6,426 |
| Net loans and leases to total assets | 19.1564% | 7,155 |
| Net loans and leases to deposits | 21.4424% | 7,175 |
| Net loans and leases to core deposits | 25.6570% | 7,138 |
| Total domestic deposits to total assets | 89.3389% | 1,460 |
| Equity capital to assets | 9.7585% | 4,445 |
| Core capital (leverage) ratio | 8.0781% | 6,183 |
| Tier 1 risk-based capital ratio | 21.9857% | 1,286 |
| Total risk-based capital ratio | 23.2368% | 1,261 |
| Memoranda: | ||
| Average total assets | $531,198,500 | 1,274 |
| Average earning assets | $511,819,000 | 1,206 |
| Average equity | $52,535,500 | 1,346 |
| Average total loans | $105,918,000 | 3,461 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8339% | 3,652 |
| Cost of funding earning assets | 1.4241% | 942 |
| Net interest margin | 3.4098% | 5,454 |
| Noninterest income to average assets | 0.3912% | 4,689 |
| Noninterest expense to average assets | 1.6292% | 7,096 |
| Loan and lease loss provision to assets | 0.0650% | 5,797 |
| Net operating income to assets | 1.7661% | 493 |
| Return on assets (ROA) | 2.0073% | 327 |
| Pretax return on assets | 2.2349% | 342 |
| Return on Equity (ROE) | 22.0090% | 181 |
| Retained earnings to average equity (ytd only) | 19.9894% | 47 |
| Net charge-offs to loans | 0.1791% | 4,719 |
| Credit loss provision to net charge-offs | 159.5745% | 1,735 |
| Earnings coverage of net charge-offs (x) | 49.8723% | 562 |
| Efficiency ratio | 41.4171% | 7,181 |
| Assets per employee ($millions) | 6.8236% | 807 |
| Cash dividends to net income (ytd only)* | 9.1763% | 3,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3663% | 1,511 |
| Loan loss allowance to noncurrent loans | 1,382.0225% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 6,502 |
| Noncurrent loans to loans | 0.1712% | 6,409 |
| Net loans and leases to total assets | 19.8329% | 7,207 |
| Net loans and leases to deposits | 22.2526% | 7,232 |
| Net loans and leases to core deposits | 26.6405% | 7,192 |
| Total domestic deposits to total assets | 89.1259% | 1,461 |
| Equity capital to assets | 10.0315% | 4,128 |
| Core capital (leverage) ratio | 8.1566% | 6,064 |
| Tier 1 risk-based capital ratio | 21.7232% | 1,278 |
| Total risk-based capital ratio | 22.9746% | 1,244 |
| Memoranda: | ||
| Average total assets | $461,455,600 | 1,422 |
| Average earning assets | $442,517,800 | 1,365 |
| Average equity | $42,087,400 | 1,599 |
| Average total loans | $104,985,800 | 3,502 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9607% | 3,286 |
| Cost of funding earning assets | 1.4572% | 1,000 |
| Net interest margin | 3.5035% | 5,173 |
| Noninterest income to average assets | 0.4016% | 4,657 |
| Noninterest expense to average assets | 1.5487% | 7,195 |
| Loan and lease loss provision to assets | 0.0193% | 6,197 |
| Net operating income to assets | 1.9279% | 400 |
| Return on assets (ROA) | 2.1514% | 288 |
| Pretax return on assets | 2.4434% | 274 |
| Return on Equity (ROE) | 24.2794% | 155 |
| Retained earnings to average equity (ytd only) | 23.2738% | 45 |
| Net charge-offs to loans | 0.0418% | 5,566 |
| Credit loss provision to net charge-offs | 196.9697% | 1,487 |
| Earnings coverage of net charge-offs (x) | 225.3277% | 175 |
| Efficiency ratio | 40.2292% | 7,256 |
| Assets per employee ($millions) | 6.7269% | 839 |
| Cash dividends to net income (ytd only)* | 4.1419% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2343% | 1,803 |
| Loan loss allowance to noncurrent loans | 242.3625% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 6,328 |
| Noncurrent loans to loans | 0.9219% | 5,036 |
| Net loans and leases to total assets | 21.5018% | 7,265 |
| Net loans and leases to deposits | 24.3072% | 7,290 |
| Net loans and leases to core deposits | 28.4483% | 7,247 |
| Total domestic deposits to total assets | 88.4586% | 1,781 |
| Equity capital to assets | 10.4021% | 3,831 |
| Core capital (leverage) ratio | 8.2759% | 6,011 |
| Tier 1 risk-based capital ratio | 21.3114% | 1,402 |
| Total risk-based capital ratio | 22.5628% | 1,380 |
| Memoranda: | ||
| Average total assets | $448,877,750 | 1,469 |
| Average earning assets | $429,958,000 | 1,416 |
| Average equity | $39,774,750 | 1,696 |
| Average total loans | $105,242,750 | 3,517 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0568% | 2,889 |
| Cost of funding earning assets | 1.4967% | 1,023 |
| Net interest margin | 3.5601% | 4,884 |
| Noninterest income to average assets | 0.3830% | 4,816 |
| Noninterest expense to average assets | 1.6250% | 7,239 |
| Loan and lease loss provision to assets | 0.0229% | 6,006 |
| Net operating income to assets | 1.9374% | 378 |
| Return on assets (ROA) | 2.1164% | 301 |
| Pretax return on assets | 2.3356% | 326 |
| Return on Equity (ROE) | 25.5248% | 121 |
| Retained earnings to average equity (ytd only) | 23.8691% | 58 |
| Net charge-offs to loans | 0.0114% | 5,692 |
| Credit loss provision to net charge-offs | 833.3333% | 395 |
| Earnings coverage of net charge-offs (x) | 787.3333% | 36 |
| Efficiency ratio | 41.9094% | 7,301 |
| Assets per employee ($millions) | 6.6452% | 863 |
| Cash dividends to net income (ytd only)* | 6.4865% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2445% | 1,831 |
| Loan loss allowance to noncurrent loans | 531.5556% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 6,622 |
| Noncurrent loans to loans | 0.4222% | 6,057 |
| Net loans and leases to total assets | 22.7210% | 7,336 |
| Net loans and leases to deposits | 25.3624% | 7,356 |
| Net loans and leases to core deposits | 29.9674% | 7,320 |
| Total domestic deposits to total assets | 89.5857% | 1,189 |
| Equity capital to assets | 9.3439% | 5,088 |
| Core capital (leverage) ratio | 7.8443% | 6,464 |
| Tier 1 risk-based capital ratio | 20.0542% | 1,599 |
| Total risk-based capital ratio | 21.3060% | 1,576 |
| Memoranda: | ||
| Average total assets | $437,058,330 | 1,515 |
| Average earning assets | $417,851,000 | 1,458 |
| Average equity | $36,239,330 | 1,847 |
| Average total loans | $104,816,670 | 3,565 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9765% | 3,213 |
| Cost of funding earning assets | 1.5212% | 1,090 |
| Net interest margin | 3.4554% | 5,200 |
| Noninterest income to average assets | 0.3931% | 4,760 |
| Noninterest expense to average assets | 1.6551% | 7,265 |
| Loan and lease loss provision to assets | 0.0281% | 5,612 |
| Net operating income to assets | 1.8407% | 451 |
| Return on assets (ROA) | 1.9356% | 401 |
| Pretax return on assets | 2.1101% | 462 |
| Return on Equity (ROE) | 25.0539% | 165 |
| Retained earnings to average equity (ytd only) | 25.0539% | 101 |
| Net charge-offs to loans | 0.0192% | 4,813 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 433.8000% | 59 |
| Efficiency ratio | 43.8342% | 7,286 |
| Assets per employee ($millions) | 6.5912% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2876% | 1,785 |
| Loan loss allowance to noncurrent loans | 413.4146% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 6,588 |
| Noncurrent loans to loans | 0.5533% | 5,915 |
| Net loans and leases to total assets | 22.6149% | 7,395 |
| Net loans and leases to deposits | 24.8694% | 7,419 |
| Net loans and leases to core deposits | 29.3640% | 7,379 |
| Total domestic deposits to total assets | 90.9344% | 661 |
| Equity capital to assets | 8.0591% | 6,438 |
| Core capital (leverage) ratio | 7.6921% | 6,563 |
| Tier 1 risk-based capital ratio | 18.7938% | 1,871 |
| Total risk-based capital ratio | 20.0455% | 1,826 |
| Memoranda: | ||
| Average total assets | $426,326,500 | 1,557 |
| Average earning assets | $406,788,000 | 1,498 |
| Average equity | $32,937,000 | 1,992 |
| Average total loans | $103,938,500 | 3,624 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1463% | 3,876 |
| Cost of funding earning assets | 1.6935% | 1,634 |
| Net interest margin | 3.4529% | 5,421 |
| Noninterest income to average assets | 0.4214% | 4,731 |
| Noninterest expense to average assets | 1.7806% | 7,281 |
| Loan and lease loss provision to assets | 0.2302% | 4,978 |
| Net operating income to assets | 1.4607% | 841 |
| Return on assets (ROA) | 1.7738% | 484 |
| Pretax return on assets | 2.0317% | 452 |
| Return on Equity (ROE) | 20.1281% | 244 |
| Retained earnings to average equity (ytd only) | 16.4866% | 89 |
| Net charge-offs to loans | 0.1458% | 5,486 |
| Credit loss provision to net charge-offs | 570.4698% | 391 |
| Earnings coverage of net charge-offs (x) | 47.1342% | 491 |
| Efficiency ratio | 47.1319% | 7,307 |
| Assets per employee ($millions) | 6.1281% | 1,126 |
| Cash dividends to net income (ytd only)* | 18.0916% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2555% | 1,763 |
| Loan loss allowance to noncurrent loans | 1,334.6591% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 6,839 |
| Noncurrent loans to loans | 0.1690% | 6,730 |
| Net loans and leases to total assets | 25.1686% | 7,449 |
| Net loans and leases to deposits | 27.2488% | 7,496 |
| Net loans and leases to core deposits | 32.0738% | 7,448 |
| Total domestic deposits to total assets | 92.3660% | 207 |
| Equity capital to assets | 7.3564% | 6,969 |
| Core capital (leverage) ratio | 7.7717% | 6,469 |
| Tier 1 risk-based capital ratio | 18.7608% | 1,776 |
| Total risk-based capital ratio | 20.0136% | 1,743 |
| Memoranda: | ||
| Average total assets | $369,255,600 | 1,781 |
| Average earning assets | $348,754,200 | 1,715 |
| Average equity | $32,541,600 | 2,016 |
| Average total loans | $102,221,600 | 3,736 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2041% | 3,806 |
| Cost of funding earning assets | 1.7296% | 1,724 |
| Net interest margin | 3.4745% | 5,395 |
| Noninterest income to average assets | 0.4461% | 4,593 |
| Noninterest expense to average assets | 1.7873% | 7,340 |
| Loan and lease loss provision to assets | 0.2589% | 4,515 |
| Net operating income to assets | 1.4493% | 1,021 |
| Return on assets (ROA) | 1.7995% | 551 |
| Pretax return on assets | 2.0854% | 523 |
| Return on Equity (ROE) | 19.5149% | 337 |
| Retained earnings to average equity (ytd only) | 17.5694% | 120 |
| Net charge-offs to loans | 0.1520% | 5,089 |
| Credit loss provision to net charge-offs | 603.4483% | 482 |
| Earnings coverage of net charge-offs (x) | 45.1474% | 616 |
| Efficiency ratio | 46.7474% | 7,352 |
| Assets per employee ($millions) | 5.7761% | 1,411 |
| Cash dividends to net income (ytd only)* | 9.9692% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1964% | 1,817 |
| Loan loss allowance to noncurrent loans | 628.7324% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 6,531 |
| Noncurrent loans to loans | 0.3493% | 6,499 |
| Net loans and leases to total assets | 25.6816% | 7,543 |
| Net loans and leases to deposits | 29.1132% | 7,573 |
| Net loans and leases to core deposits | 34.2760% | 7,529 |
| Total domestic deposits to total assets | 88.2130% | 1,849 |
| Equity capital to assets | 9.6369% | 4,644 |
| Core capital (leverage) ratio | 7.9900% | 6,357 |
| Tier 1 risk-based capital ratio | 19.6280% | 1,622 |
| Total risk-based capital ratio | 20.8810% | 1,588 |
| Memoranda: | ||
| Average total assets | $360,456,500 | 1,840 |
| Average earning assets | $340,104,750 | 1,786 |
| Average equity | $33,238,750 | 2,005 |
| Average total loans | $101,741,000 | 3,808 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2694% | 3,607 |
| Cost of funding earning assets | 1.7633% | 1,797 |
| Net interest margin | 3.5061% | 5,225 |
| Noninterest income to average assets | 0.4408% | 4,598 |
| Noninterest expense to average assets | 1.7565% | 7,444 |
| Loan and lease loss provision to assets | 0.3128% | 3,875 |
| Net operating income to assets | 1.4377% | 1,016 |
| Return on assets (ROA) | 1.7747% | 558 |
| Pretax return on assets | 2.0682% | 523 |
| Return on Equity (ROE) | 19.5693% | 353 |
| Retained earnings to average equity (ytd only) | 16.5273% | 174 |
| Net charge-offs to loans | 0.1415% | 4,814 |
| Credit loss provision to net charge-offs | 763.8889% | 486 |
| Earnings coverage of net charge-offs (x) | 48.5694% | 612 |
| Efficiency ratio | 45.6340% | 7,458 |
| Assets per employee ($millions) | 6.0664% | 1,182 |
| Cash dividends to net income (ytd only)* | 15.5449% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0764% | 2,019 |
| Loan loss allowance to noncurrent loans | 500.2353% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.3816% | 6,481 |
| Noncurrent loans to loans | 0.4151% | 6,412 |
| Net loans and leases to total assets | 27.0942% | 7,599 |
| Net loans and leases to deposits | 30.4724% | 7,632 |
| Net loans and leases to core deposits | 35.7229% | 7,572 |
| Total domestic deposits to total assets | 88.9139% | 1,486 |
| Equity capital to assets | 9.0374% | 5,386 |
| Core capital (leverage) ratio | 7.8439% | 6,446 |
| Tier 1 risk-based capital ratio | 18.7833% | 1,769 |
| Total risk-based capital ratio | 20.0355% | 1,741 |
| Memoranda: | ||
| Average total assets | $351,608,330 | 1,903 |
| Average earning assets | $331,425,330 | 1,838 |
| Average equity | $31,886,670 | 2,069 |
| Average total loans | $101,781,330 | 3,838 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4216% | 2,934 |
| Cost of funding earning assets | 1.7823% | 1,958 |
| Net interest margin | 3.6393% | 4,543 |
| Noninterest income to average assets | 0.4393% | 4,566 |
| Noninterest expense to average assets | 1.7547% | 7,519 |
| Loan and lease loss provision to assets | 0.3505% | 3,280 |
| Net operating income to assets | 1.5003% | 893 |
| Return on assets (ROA) | 1.7174% | 644 |
| Pretax return on assets | 2.0071% | 596 |
| Return on Equity (ROE) | 18.9016% | 445 |
| Retained earnings to average equity (ytd only) | 18.9016% | 216 |
| Net charge-offs to loans | -0.0670% | 7,430 |
| Credit loss provision to net charge-offs | -1,764.7059% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1889% | 7,619 |
| Assets per employee ($millions) | 5.9975% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9476% | 2,319 |
| Loan loss allowance to noncurrent loans | 1,853.7736% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 6,659 |
| Noncurrent loans to loans | 0.1051% | 7,134 |
| Net loans and leases to total assets | 27.9567% | 7,671 |
| Net loans and leases to deposits | 31.7396% | 7,702 |
| Net loans and leases to core deposits | 37.3301% | 7,630 |
| Total domestic deposits to total assets | 88.0815% | 2,017 |
| Equity capital to assets | 9.0105% | 5,261 |
| Core capital (leverage) ratio | 7.8696% | 6,417 |
| Tier 1 risk-based capital ratio | 18.3164% | 1,866 |
| Total risk-based capital ratio | 19.5677% | 1,835 |
| Memoranda: | ||
| Average total assets | $342,387,500 | 2,002 |
| Average earning assets | $321,824,000 | 1,933 |
| Average equity | $31,108,500 | 2,136 |
| Average total loans | $101,478,000 | 3,903 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8123% | 2,605 |
| Cost of funding earning assets | 2.1609% | 2,183 |
| Net interest margin | 3.6515% | 4,348 |
| Noninterest income to average assets | 0.5303% | 4,178 |
| Noninterest expense to average assets | 2.1209% | 7,140 |
| Loan and lease loss provision to assets | 0.3452% | 4,726 |
| Net operating income to assets | 1.2522% | 1,128 |
| Return on assets (ROA) | 1.4648% | 790 |
| Pretax return on assets | 1.7397% | 713 |
| Return on Equity (ROE) | 17.3061% | 426 |
| Retained earnings to average equity (ytd only) | 16.0615% | 76 |
| Net charge-offs to loans | 0.4730% | 3,887 |
| Credit loss provision to net charge-offs | 221.4137% | 1,705 |
| Earnings coverage of net charge-offs (x) | 11.7484% | 1,570 |
| Efficiency ratio | 52.2962% | 7,364 |
| Assets per employee ($millions) | 6.0167% | 1,235 |
| Cash dividends to net income (ytd only)* | 7.1919% | 3,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 3,218 |
| Loan loss allowance to noncurrent loans | 222.4022% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5509% | 6,071 |
| Noncurrent loans to loans | 0.7260% | 5,805 |
| Net loans and leases to total assets | 30.3447% | 7,702 |
| Net loans and leases to deposits | 34.5434% | 7,751 |
| Net loans and leases to core deposits | 51.8065% | 7,532 |
| Total domestic deposits to total assets | 87.8451% | 2,049 |
| Equity capital to assets | 9.1662% | 4,892 |
| Core capital (leverage) ratio | 7.7462% | 6,505 |
| Tier 1 risk-based capital ratio | 17.9825% | 1,904 |
| Total risk-based capital ratio | 19.1700% | 1,874 |
| Memoranda: | ||
| Average total assets | $308,499,800 | 2,171 |
| Average earning assets | $289,144,400 | 2,131 |
| Average equity | $26,112,200 | 2,518 |
| Average total loans | $101,682,600 | 3,903 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8531% | 2,655 |
| Cost of funding earning assets | 2.2350% | 2,257 |
| Net interest margin | 3.6182% | 4,415 |
| Noninterest income to average assets | 0.5476% | 4,103 |
| Noninterest expense to average assets | 2.1851% | 7,015 |
| Loan and lease loss provision to assets | 0.3367% | 4,314 |
| Net operating income to assets | 1.1816% | 1,511 |
| Return on assets (ROA) | 1.4064% | 1,077 |
| Pretax return on assets | 1.6833% | 1,003 |
| Return on Equity (ROE) | 17.0008% | 551 |
| Retained earnings to average equity (ytd only) | 15.2715% | 152 |
| Net charge-offs to loans | 0.5053% | 3,203 |
| Credit loss provision to net charge-offs | 198.7013% | 2,254 |
| Earnings coverage of net charge-offs (x) | 10.3403% | 1,972 |
| Efficiency ratio | 54.0973% | 7,224 |
| Assets per employee ($millions) | 5.3436% | 1,749 |
| Cash dividends to net income (ytd only)* | 10.1721% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 3,765 |
| Loan loss allowance to noncurrent loans | 908.8050% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 7,086 |
| Noncurrent loans to loans | 0.1579% | 7,092 |
| Net loans and leases to total assets | 30.4556% | 7,795 |
| Net loans and leases to deposits | 34.4757% | 7,855 |
| Net loans and leases to core deposits | 50.0903% | 7,684 |
| Total domestic deposits to total assets | 88.3393% | 1,501 |
| Equity capital to assets | 8.9635% | 5,532 |
| Core capital (leverage) ratio | 7.4819% | 7,000 |
| Tier 1 risk-based capital ratio | 17.3912% | 2,151 |
| Total risk-based capital ratio | 18.4559% | 2,157 |
| Memoranda: | ||
| Average total assets | $302,894,500 | 2,209 |
| Average earning assets | $283,784,250 | 2,175 |
| Average equity | $25,057,000 | 2,633 |
| Average total loans | $101,587,000 | 3,944 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9255% | 2,475 |
| Cost of funding earning assets | 2.3186% | 2,283 |
| Net interest margin | 3.6069% | 4,332 |
| Noninterest income to average assets | 0.5454% | 4,066 |
| Noninterest expense to average assets | 2.2032% | 7,048 |
| Loan and lease loss provision to assets | 0.3150% | 4,055 |
| Net operating income to assets | 1.1633% | 1,579 |
| Return on assets (ROA) | 1.3719% | 1,149 |
| Pretax return on assets | 1.6490% | 1,116 |
| Return on Equity (ROE) | 17.1100% | 568 |
| Retained earnings to average equity (ytd only) | 14.3640% | 237 |
| Net charge-offs to loans | 0.6341% | 2,451 |
| Credit loss provision to net charge-offs | 143.9628% | 3,217 |
| Earnings coverage of net charge-offs (x) | 7.8266% | 2,378 |
| Efficiency ratio | 54.7924% | 7,247 |
| Assets per employee ($millions) | 5.9259% | 1,250 |
| Cash dividends to net income (ytd only)* | 16.0494% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 5,153 |
| Loan loss allowance to noncurrent loans | 368.8073% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 7,063 |
| Noncurrent loans to loans | 0.3169% | 6,717 |
| Net loans and leases to total assets | 32.4750% | 7,822 |
| Net loans and leases to deposits | 36.1068% | 7,898 |
| Net loans and leases to core deposits | 51.6899% | 7,719 |
| Total domestic deposits to total assets | 89.9416% | 857 |
| Equity capital to assets | 7.7975% | 6,982 |
| Core capital (leverage) ratio | 7.2562% | 7,298 |
| Tier 1 risk-based capital ratio | 16.7788% | 2,370 |
| Total risk-based capital ratio | 17.6822% | 2,416 |
| Memoranda: | ||
| Average total assets | $295,207,000 | 2,283 |
| Average earning assets | $275,857,330 | 2,244 |
| Average equity | $23,670,330 | 2,795 |
| Average total loans | $101,877,000 | 3,967 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9500% | 2,563 |
| Cost of funding earning assets | 2.3731% | 2,400 |
| Net interest margin | 3.5769% | 4,421 |
| Noninterest income to average assets | 0.5277% | 4,077 |
| Noninterest expense to average assets | 2.2493% | 6,694 |
| Loan and lease loss provision to assets | 0.2310% | 4,145 |
| Net operating income to assets | 1.1572% | 1,779 |
| Return on assets (ROA) | 1.3535% | 1,339 |
| Pretax return on assets | 1.6363% | 1,322 |
| Return on Equity (ROE) | 16.6290% | 734 |
| Retained earnings to average equity (ytd only) | 14.9094% | 428 |
| Net charge-offs to loans | 0.7272% | 1,736 |
| Credit loss provision to net charge-offs | 89.6739% | 4,015 |
| Earnings coverage of net charge-offs (x) | 6.3315% | 2,514 |
| Efficiency ratio | 56.4574% | 6,907 |
| Assets per employee ($millions) | 5.5253% | 1,535 |
| Cash dividends to net income (ytd only)* | 10.3413% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 6,105 |
| Loan loss allowance to noncurrent loans | 336.0129% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 6,987 |
| Noncurrent loans to loans | 0.3009% | 6,688 |
| Net loans and leases to total assets | 33.0694% | 7,828 |
| Net loans and leases to deposits | 37.6258% | 7,908 |
| Net loans and leases to core deposits | 53.3830% | 7,695 |
| Total domestic deposits to total assets | 87.8902% | 1,796 |
| Equity capital to assets | 7.7943% | 7,081 |
| Core capital (leverage) ratio | 7.3856% | 7,288 |
| Tier 1 risk-based capital ratio | 16.0352% | 2,682 |
| Total risk-based capital ratio | 16.8231% | 2,761 |
| Memoranda: | ||
| Average total assets | $285,773,000 | 2,357 |
| Average earning assets | $267,830,500 | 2,311 |
| Average equity | $23,260,500 | 2,849 |
| Average total loans | $101,214,500 | 4,002 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1358% | 4,858 |
| Cost of funding earning assets | 2.6810% | 3,252 |
| Net interest margin | 3.4548% | 5,450 |
| Noninterest income to average assets | 0.6385% | 3,566 |
| Noninterest expense to average assets | 2.0578% | 7,328 |
| Loan and lease loss provision to assets | 0.2330% | 4,568 |
| Net operating income to assets | 1.2685% | 1,574 |
| Return on assets (ROA) | 1.3645% | 1,265 |
| Pretax return on assets | 1.6748% | 1,205 |
| Return on Equity (ROE) | 16.4628% | 701 |
| Retained earnings to average equity (ytd only) | 13.2571% | 152 |
| Net charge-offs to loans | 0.1943% | 4,242 |
| Credit loss provision to net charge-offs | 306.4516% | 1,470 |
| Earnings coverage of net charge-offs (x) | 23.5323% | 1,420 |
| Efficiency ratio | 52.5343% | 7,430 |
| Assets per employee ($millions) | 4.9458% | 2,000 |
| Cash dividends to net income (ytd only)* | 19.4727% | 4,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 5,454 |
| Loan loss allowance to noncurrent loans | 457.0815% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 7,115 |
| Noncurrent loans to loans | 0.2352% | 6,677 |
| Net loans and leases to total assets | 37.3849% | 7,780 |
| Net loans and leases to deposits | 41.9051% | 7,898 |
| Net loans and leases to core deposits | 58.9563% | 7,632 |
| Total domestic deposits to total assets | 89.2132% | 957 |
| Equity capital to assets | 8.5470% | 6,016 |
| Core capital (leverage) ratio | 7.9786% | 6,530 |
| Tier 1 risk-based capital ratio | 16.0528% | 2,647 |
| Total risk-based capital ratio | 16.9102% | 2,721 |
| Memoranda: | ||
| Average total assets | $244,633,400 | 2,603 |
| Average earning assets | $227,189,800 | 2,576 |
| Average equity | $20,276,000 | 3,183 |
| Average total loans | $95,732,200 | 4,059 |