Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4636% | 1,215 |
| Cost of funding earning assets | 1.6780% | 1,498 |
| Net interest margin | 3.7856% | 1,588 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.3943% | 2,615 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 1.0250% | 2,136 |
| Return on assets (ROA) | 1.0250% | 2,120 |
| Pretax return on assets | 1.3185% | 1,819 |
| Return on Equity (ROE) | 11.0400% | 2,212 |
| Retained earnings to average equity (ytd only) | 8.7178% | 1,327 |
| Net charge-offs to loans | 0.0307% | 1,684 |
| Credit loss provision to net charge-offs | 989.2473% | 417 |
| Earnings coverage of net charge-offs (x) | 62.4516% | 1,164 |
| Efficiency ratio | 60.4467% | 3,024 |
| Assets per employee ($millions) | 7.4509% | 1,765 |
| Cash dividends to net income (ytd only)* | 21.0526% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 1,475 |
| Loan loss allowance to noncurrent loans | 451.6161% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 1,964 |
| Noncurrent loans to loans | 0.3049% | 2,092 |
| Net loans and leases to total assets | 80.5900% | 572 |
| Net loans and leases to deposits | 95.9961% | 789 |
| Net loans and leases to core deposits | 102.4763% | 1,309 |
| Total domestic deposits to total assets | 83.9500% | 2,637 |
| Equity capital to assets | 8.8587% | 2,779 |
| Core capital (leverage) ratio | 9.7765% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $370,718,800 | 2,114 |
| Average earning assets | $359,360,000 | 2,048 |
| Average equity | $34,412,200 | 2,080 |
| Average total loans | $303,111,400 | 1,781 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3681% | 1,186 |
| Cost of funding earning assets | 1.4348% | 1,777 |
| Net interest margin | 3.9333% | 1,335 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.4295% | 2,434 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 1.0856% | 2,099 |
| Return on assets (ROA) | 1.0856% | 2,085 |
| Pretax return on assets | 1.4033% | 1,771 |
| Return on Equity (ROE) | 11.5500% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.1887% | 1,638 |
| Net charge-offs to loans | 0.0397% | 1,320 |
| Credit loss provision to net charge-offs | 840.9091% | 449 |
| Earnings coverage of net charge-offs (x) | 51.5795% | 1,298 |
| Efficiency ratio | 59.1670% | 3,070 |
| Assets per employee ($millions) | 6.7141% | 2,172 |
| Cash dividends to net income (ytd only)* | 20.4151% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 1,493 |
| Loan loss allowance to noncurrent loans | 442.7146% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 1,986 |
| Noncurrent loans to loans | 0.3135% | 2,109 |
| Net loans and leases to total assets | 80.9400% | 547 |
| Net loans and leases to deposits | 97.0543% | 677 |
| Net loans and leases to core deposits | 103.3774% | 1,147 |
| Total domestic deposits to total assets | 83.3900% | 2,931 |
| Equity capital to assets | 8.9076% | 2,477 |
| Core capital (leverage) ratio | 10.1339% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $360,948,750 | 2,157 |
| Average earning assets | $349,687,250 | 2,096 |
| Average equity | $33,939,500 | 2,087 |
| Average total loans | $295,177,250 | 1,812 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2595% | 1,132 |
| Cost of funding earning assets | 1.2671% | 1,800 |
| Net interest margin | 3.9924% | 1,258 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.4458% | 2,362 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.1398% | 2,003 |
| Return on assets (ROA) | 1.1398% | 2,001 |
| Pretax return on assets | 1.5501% | 1,499 |
| Return on Equity (ROE) | 11.8900% | 2,181 |
| Retained earnings to average equity (ytd only) | 9.5162% | 1,534 |
| Net charge-offs to loans | 0.0181% | 1,547 |
| Credit loss provision to net charge-offs | 1,153.8462% | 373 |
| Earnings coverage of net charge-offs (x) | 116.3077% | 864 |
| Efficiency ratio | 58.6998% | 3,112 |
| Assets per employee ($millions) | 6.3944% | 2,391 |
| Cash dividends to net income (ytd only)* | 19.9700% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 1,701 |
| Loan loss allowance to noncurrent loans | 1,017.0426% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 2,764 |
| Noncurrent loans to loans | 0.1330% | 2,806 |
| Net loans and leases to total assets | 82.6700% | 355 |
| Net loans and leases to deposits | 99.4959% | 540 |
| Net loans and leases to core deposits | 106.1118% | 983 |
| Total domestic deposits to total assets | 83.0900% | 3,027 |
| Equity capital to assets | 9.6111% | 2,087 |
| Core capital (leverage) ratio | 10.7717% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $351,458,333 | 2,201 |
| Average earning assets | $340,299,000 | 2,140 |
| Average equity | $33,690,000 | 2,111 |
| Average total loans | $287,031,667 | 1,837 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0206% | 1,192 |
| Cost of funding earning assets | 1.1762% | 1,517 |
| Net interest margin | 3.8444% | 1,591 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.4530% | 2,360 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.0249% | 2,455 |
| Return on assets (ROA) | 1.0249% | 2,420 |
| Pretax return on assets | 1.3914% | 1,902 |
| Return on Equity (ROE) | 10.7100% | 2,576 |
| Retained earnings to average equity (ytd only) | 8.3056% | 2,139 |
| Net charge-offs to loans | -0.0029% | 3,501 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.0698% | 2,814 |
| Assets per employee ($millions) | 6.1543% | 2,629 |
| Cash dividends to net income (ytd only)* | 22.4215% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 1,666 |
| Loan loss allowance to noncurrent loans | 1,519.6911% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 3,049 |
| Noncurrent loans to loans | 0.0913% | 3,093 |
| Net loans and leases to total assets | 81.1300% | 444 |
| Net loans and leases to deposits | 94.6092% | 747 |
| Net loans and leases to core deposits | 99.7464% | 1,098 |
| Total domestic deposits to total assets | 85.7500% | 2,665 |
| Equity capital to assets | 9.8329% | 1,913 |
| Core capital (leverage) ratio | 10.3788% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $348,144,000 | 2,242 |
| Average earning assets | $337,013,500 | 2,181 |
| Average equity | $33,327,000 | 2,151 |
| Average total loans | $280,499,500 | 1,880 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 1,320 |
| Cost of funding earning assets | 0.3796% | 2,264 |
| Net interest margin | 3.7868% | 1,186 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.4241% | 2,353 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0975% | 2,185 |
| Return on assets (ROA) | 1.0975% | 2,124 |
| Pretax return on assets | 1.5341% | 1,349 |
| Return on Equity (ROE) | 10.8900% | 2,512 |
| Retained earnings to average equity (ytd only) | 8.4367% | 1,664 |
| Net charge-offs to loans | 0.0008% | 2,559 |
| Credit loss provision to net charge-offs | 7,500.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 2,555.5000% | 63 |
| Efficiency ratio | 60.5328% | 2,978 |
| Assets per employee ($millions) | 6.7625% | 2,144 |
| Cash dividends to net income (ytd only)* | 22.5416% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 1,632 |
| Loan loss allowance to noncurrent loans | 1,712.2172% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 3,177 |
| Noncurrent loans to loans | 0.0797% | 3,190 |
| Net loans and leases to total assets | 77.8200% | 815 |
| Net loans and leases to deposits | 89.7590% | 1,068 |
| Net loans and leases to core deposits | 94.4429% | 1,277 |
| Total domestic deposits to total assets | 86.7000% | 2,497 |
| Equity capital to assets | 9.3178% | 2,142 |
| Core capital (leverage) ratio | 10.5047% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $323,382,800 | 2,333 |
| Average earning assets | $311,397,600 | 2,276 |
| Average equity | $32,584,000 | 2,216 |
| Average total loans | $242,212,400 | 1,989 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9532% | 1,359 |
| Cost of funding earning assets | 0.2467% | 2,742 |
| Net interest margin | 3.7065% | 1,120 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.4114% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1094% | 2,052 |
| Return on assets (ROA) | 1.1094% | 2,020 |
| Pretax return on assets | 1.5275% | 1,336 |
| Return on Equity (ROE) | 10.7800% | 2,473 |
| Retained earnings to average equity (ytd only) | 8.3263% | 1,875 |
| Net charge-offs to loans | -0.0120% | 3,776 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.2199% | 2,939 |
| Assets per employee ($millions) | 6.3500% | 2,444 |
| Cash dividends to net income (ytd only)* | 22.7964% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 1,640 |
| Loan loss allowance to noncurrent loans | 1,639.9103% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 3,205 |
| Noncurrent loans to loans | 0.0848% | 3,271 |
| Net loans and leases to total assets | 80.0800% | 525 |
| Net loans and leases to deposits | 94.8399% | 600 |
| Net loans and leases to core deposits | 98.1679% | 893 |
| Total domestic deposits to total assets | 84.4300% | 3,399 |
| Equity capital to assets | 9.8484% | 1,696 |
| Core capital (leverage) ratio | 11.0184% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $316,316,500 | 2,389 |
| Average earning assets | $304,289,500 | 2,330 |
| Average equity | $32,538,500 | 2,250 |
| Average total loans | $233,402,250 | 2,036 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6588% | 1,658 |
| Cost of funding earning assets | 0.2050% | 2,853 |
| Net interest margin | 3.4539% | 1,440 |
| Noninterest income to average assets | 0.4404% | 2,506 |
| Noninterest expense to average assets | 2.3454% | 2,409 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0440% | 2,001 |
| Return on assets (ROA) | 1.0440% | 1,970 |
| Pretax return on assets | 1.4136% | 1,398 |
| Return on Equity (ROE) | 10.0020% | 2,336 |
| Retained earnings to average equity (ytd only) | 7.5595% | 1,785 |
| Net charge-offs to loans | 0.0054% | 1,814 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 369.6667% | 340 |
| Efficiency ratio | 62.3940% | 2,996 |
| Assets per employee ($millions) | 5.9681% | 2,771 |
| Cash dividends to net income (ytd only)* | 24.4200% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 1,272 |
| Loan loss allowance to noncurrent loans | 4,653.8462% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,733 |
| Noncurrent loans to loans | 0.0333% | 3,700 |
| Net loans and leases to total assets | 75.6582% | 765 |
| Net loans and leases to deposits | 87.3621% | 886 |
| Net loans and leases to core deposits | 89.9543% | 1,125 |
| Total domestic deposits to total assets | 86.6030% | 3,078 |
| Equity capital to assets | 10.5870% | 1,397 |
| Core capital (leverage) ratio | 11.1614% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,805,000 | 2,418 |
| Average earning assets | $301,518,000 | 2,372 |
| Average equity | $32,753,333 | 2,284 |
| Average total loans | $223,539,667 | 2,089 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4631% | 1,912 |
| Cost of funding earning assets | 0.1951% | 2,863 |
| Net interest margin | 3.2680% | 1,658 |
| Noninterest income to average assets | 0.3918% | 2,748 |
| Noninterest expense to average assets | 2.2203% | 2,778 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9657% | 2,015 |
| Return on assets (ROA) | 0.9657% | 2,013 |
| Pretax return on assets | 1.3060% | 1,490 |
| Return on Equity (ROE) | 9.3161% | 2,208 |
| Retained earnings to average equity (ytd only) | 6.8932% | 1,928 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9630% | 3,150 |
| Assets per employee ($millions) | 6.2745% | 2,582 |
| Cash dividends to net income (ytd only)* | 26.0078% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6418% | 1,174 |
| Loan loss allowance to noncurrent loans | 1,275.7895% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 3,187 |
| Noncurrent loans to loans | 0.1287% | 3,168 |
| Net loans and leases to total assets | 68.0712% | 1,207 |
| Net loans and leases to deposits | 81.0401% | 1,073 |
| Net loans and leases to core deposits | 83.4813% | 1,271 |
| Total domestic deposits to total assets | 83.9968% | 3,769 |
| Equity capital to assets | 10.1916% | 1,763 |
| Core capital (leverage) ratio | 10.3617% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,520,500 | 2,402 |
| Average earning assets | $305,505,000 | 2,361 |
| Average equity | $33,018,000 | 2,332 |
| Average total loans | $218,352,500 | 2,109 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 1,324 |
| Cost of funding earning assets | 0.2700% | 2,702 |
| Net interest margin | 3.7469% | 1,106 |
| Noninterest income to average assets | 0.4356% | 2,882 |
| Noninterest expense to average assets | 2.3565% | 2,633 |
| Loan and lease loss provision to assets | 0.1019% | 1,233 |
| Net operating income to assets | 1.1649% | 2,042 |
| Return on assets (ROA) | 1.2193% | 1,905 |
| Pretax return on assets | 1.6505% | 1,270 |
| Return on Equity (ROE) | 12.6214% | 1,598 |
| Retained earnings to average equity (ytd only) | 10.1611% | 877 |
| Net charge-offs to loans | -0.0245% | 4,050 |
| Credit loss provision to net charge-offs | -566.0377% | 3,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3291% | 3,391 |
| Assets per employee ($millions) | 6.2165% | 2,557 |
| Cash dividends to net income (ytd only)* | 19.4932% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6893% | 1,072 |
| Loan loss allowance to noncurrent loans | 1,289.3617% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 3,317 |
| Noncurrent loans to loans | 0.1310% | 3,278 |
| Net loans and leases to total assets | 66.7438% | 1,402 |
| Net loans and leases to deposits | 79.9092% | 1,224 |
| Net loans and leases to core deposits | 82.3507% | 1,439 |
| Total domestic deposits to total assets | 83.5246% | 3,685 |
| Equity capital to assets | 10.5421% | 2,131 |
| Core capital (leverage) ratio | 10.6536% | 1,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $294,510,600 | 2,457 |
| Average earning assets | $283,299,600 | 2,411 |
| Average equity | $28,451,600 | 2,619 |
| Average total loans | $216,243,600 | 2,127 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 1,367 |
| Cost of funding earning assets | 0.2819% | 2,776 |
| Net interest margin | 3.7912% | 1,135 |
| Noninterest income to average assets | 0.4325% | 2,917 |
| Noninterest expense to average assets | 2.2957% | 2,764 |
| Loan and lease loss provision to assets | 0.1385% | 823 |
| Net operating income to assets | 1.2123% | 2,128 |
| Return on assets (ROA) | 1.2863% | 1,924 |
| Pretax return on assets | 1.7414% | 1,306 |
| Return on Equity (ROE) | 13.6570% | 1,496 |
| Retained earnings to average equity (ytd only) | 11.2069% | 1,008 |
| Net charge-offs to loans | -0.0339% | 4,187 |
| Credit loss provision to net charge-offs | -545.4545% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2415% | 3,497 |
| Assets per employee ($millions) | 6.5890% | 2,188 |
| Cash dividends to net income (ytd only)* | 17.9404% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 1,154 |
| Loan loss allowance to noncurrent loans | 710.5469% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 2,997 |
| Noncurrent loans to loans | 0.2359% | 2,992 |
| Net loans and leases to total assets | 70.3936% | 1,044 |
| Net loans and leases to deposits | 84.8221% | 902 |
| Net loans and leases to core deposits | 87.5110% | 1,185 |
| Total domestic deposits to total assets | 82.9897% | 3,709 |
| Equity capital to assets | 10.8333% | 2,141 |
| Core capital (leverage) ratio | 10.7334% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,877,750 | 2,506 |
| Average earning assets | $278,074,500 | 2,459 |
| Average equity | $27,208,750 | 2,733 |
| Average total loans | $216,494,000 | 2,158 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0189% | 1,527 |
| Cost of funding earning assets | 0.3073% | 2,711 |
| Net interest margin | 3.7115% | 1,321 |
| Noninterest income to average assets | 0.4280% | 2,965 |
| Noninterest expense to average assets | 2.3277% | 2,683 |
| Loan and lease loss provision to assets | 0.1584% | 729 |
| Net operating income to assets | 1.1189% | 2,474 |
| Return on assets (ROA) | 1.2318% | 2,142 |
| Pretax return on assets | 1.6633% | 1,580 |
| Return on Equity (ROE) | 13.8158% | 1,473 |
| Retained earnings to average equity (ytd only) | 11.4474% | 1,025 |
| Net charge-offs to loans | -0.0055% | 3,466 |
| Credit loss provision to net charge-offs | -3,750.0000% | 3,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0991% | 3,270 |
| Assets per employee ($millions) | 6.5413% | 2,132 |
| Cash dividends to net income (ytd only)* | 17.1429% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 1,283 |
| Loan loss allowance to noncurrent loans | 5,577.7778% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 4,138 |
| Noncurrent loans to loans | 0.0286% | 4,068 |
| Net loans and leases to total assets | 71.9708% | 973 |
| Net loans and leases to deposits | 86.7489% | 862 |
| Net loans and leases to core deposits | 89.4152% | 1,179 |
| Total domestic deposits to total assets | 82.9644% | 3,712 |
| Equity capital to assets | 10.6574% | 2,263 |
| Core capital (leverage) ratio | 10.9758% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,139,333 | 2,533 |
| Average earning assets | $273,958,000 | 2,481 |
| Average equity | $25,333,333 | 2,855 |
| Average total loans | $216,326,667 | 2,167 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0873% | 1,422 |
| Cost of funding earning assets | 0.3402% | 2,613 |
| Net interest margin | 3.7471% | 1,238 |
| Noninterest income to average assets | 0.3757% | 3,217 |
| Noninterest expense to average assets | 2.4021% | 2,483 |
| Loan and lease loss provision to assets | 0.2176% | 537 |
| Net operating income to assets | 1.0146% | 2,769 |
| Return on assets (ROA) | 1.2083% | 2,196 |
| Pretax return on assets | 1.6275% | 1,660 |
| Return on Equity (ROE) | 15.1689% | 1,175 |
| Retained earnings to average equity (ytd only) | 13.3479% | 848 |
| Net charge-offs to loans | -0.0075% | 3,545 |
| Credit loss provision to net charge-offs | -3,750.0000% | 3,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0217% | 3,031 |
| Assets per employee ($millions) | 6.5717% | 2,114 |
| Cash dividends to net income (ytd only)* | 12.0048% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 1,353 |
| Loan loss allowance to noncurrent loans | 5,287.6923% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 4,204 |
| Noncurrent loans to loans | 0.0298% | 4,137 |
| Net loans and leases to total assets | 75.8766% | 639 |
| Net loans and leases to deposits | 88.6053% | 789 |
| Net loans and leases to core deposits | 90.6238% | 1,187 |
| Total domestic deposits to total assets | 85.6344% | 2,880 |
| Equity capital to assets | 8.0029% | 4,483 |
| Core capital (leverage) ratio | 8.0056% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1143% | 2,906 |
| Memoranda: | ||
| Average total assets | $275,759,000 | 2,568 |
| Average earning assets | $266,875,500 | 2,510 |
| Average equity | $21,966,000 | 3,080 |
| Average total loans | $214,453,000 | 2,183 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 1,319 |
| Cost of funding earning assets | 0.5965% | 2,338 |
| Net interest margin | 3.9020% | 1,207 |
| Noninterest income to average assets | 0.4192% | 3,016 |
| Noninterest expense to average assets | 2.5368% | 2,731 |
| Loan and lease loss provision to assets | 0.4228% | 702 |
| Net operating income to assets | 0.9169% | 2,622 |
| Return on assets (ROA) | 0.9492% | 2,631 |
| Pretax return on assets | 1.2636% | 2,107 |
| Return on Equity (ROE) | 12.2186% | 1,260 |
| Retained earnings to average equity (ytd only) | 10.1745% | 555 |
| Net charge-offs to loans | -0.0261% | 4,493 |
| Credit loss provision to net charge-offs | -2,009.4340% | 4,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6550% | 3,364 |
| Assets per employee ($millions) | 6.1121% | 2,245 |
| Cash dividends to net income (ytd only)* | 16.7294% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 1,411 |
| Loan loss allowance to noncurrent loans | 4,974.2424% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 4,263 |
| Noncurrent loans to loans | 0.0313% | 4,187 |
| Net loans and leases to total assets | 77.2572% | 669 |
| Net loans and leases to deposits | 91.2914% | 834 |
| Net loans and leases to core deposits | 93.7709% | 1,261 |
| Total domestic deposits to total assets | 84.6270% | 2,906 |
| Equity capital to assets | 7.9265% | 4,736 |
| Core capital (leverage) ratio | 7.9145% | 4,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5985% | 3,007 |
| Memoranda: | ||
| Average total assets | $251,895,400 | 2,568 |
| Average earning assets | $242,924,800 | 2,506 |
| Average equity | $19,568,600 | 3,224 |
| Average total loans | $203,209,800 | 2,208 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2746% | 2,177 |
| Cost of funding earning assets | 0.6593% | 2,273 |
| Net interest margin | 3.6154% | 2,225 |
| Noninterest income to average assets | 0.4092% | 3,032 |
| Noninterest expense to average assets | 2.5580% | 2,670 |
| Loan and lease loss provision to assets | 0.2084% | 1,930 |
| Net operating income to assets | 0.8376% | 2,959 |
| Return on assets (ROA) | 0.8593% | 3,001 |
| Pretax return on assets | 1.1544% | 2,551 |
| Return on Equity (ROE) | 11.1227% | 1,637 |
| Retained earnings to average equity (ytd only) | 9.0320% | 971 |
| Net charge-offs to loans | -0.0186% | 4,391 |
| Credit loss provision to net charge-offs | -1,382.1429% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7032% | 2,501 |
| Assets per employee ($millions) | 5.8020% | 2,446 |
| Cash dividends to net income (ytd only)* | 18.7970% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 2,881 |
| Loan loss allowance to noncurrent loans | 2,366.9725% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 4,245 |
| Noncurrent loans to loans | 0.0491% | 4,184 |
| Net loans and leases to total assets | 82.2954% | 413 |
| Net loans and leases to deposits | 100.3151% | 524 |
| Net loans and leases to core deposits | 103.3323% | 962 |
| Total domestic deposits to total assets | 82.0369% | 3,410 |
| Equity capital to assets | 7.6810% | 4,814 |
| Core capital (leverage) ratio | 7.6463% | 4,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5380% | 3,114 |
| Memoranda: | ||
| Average total assets | $247,636,000 | 2,579 |
| Average earning assets | $238,642,000 | 2,518 |
| Average equity | $19,131,500 | 3,264 |
| Average total loans | $201,249,000 | 2,222 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 2,331 |
| Cost of funding earning assets | 0.7458% | 2,149 |
| Net interest margin | 3.6075% | 2,461 |
| Noninterest income to average assets | 0.4088% | 3,024 |
| Noninterest expense to average assets | 2.5769% | 2,749 |
| Loan and lease loss provision to assets | 0.2214% | 1,887 |
| Net operating income to assets | 0.8084% | 3,016 |
| Return on assets (ROA) | 0.8084% | 3,131 |
| Pretax return on assets | 1.0837% | 2,763 |
| Return on Equity (ROE) | 10.4416% | 1,831 |
| Retained earnings to average equity (ytd only) | 8.2997% | 1,225 |
| Net charge-offs to loans | -0.0103% | 4,217 |
| Credit loss provision to net charge-offs | -2,670.0000% | 3,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3819% | 2,458 |
| Assets per employee ($millions) | 5.8244% | 2,345 |
| Cash dividends to net income (ytd only)* | 20.5128% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 2,761 |
| Loan loss allowance to noncurrent loans | 2,180.3571% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 4,323 |
| Noncurrent loans to loans | 0.0529% | 4,274 |
| Net loans and leases to total assets | 79.8429% | 609 |
| Net loans and leases to deposits | 94.0466% | 962 |
| Net loans and leases to core deposits | 96.6118% | 1,529 |
| Total domestic deposits to total assets | 84.8971% | 2,434 |
| Equity capital to assets | 7.3439% | 4,915 |
| Core capital (leverage) ratio | 7.3995% | 4,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3836% | 3,197 |
| Memoranda: | ||
| Average total assets | $241,217,667 | 2,597 |
| Average earning assets | $232,241,333 | 2,539 |
| Average equity | $18,675,333 | 3,305 |
| Average total loans | $194,259,000 | 2,260 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 2,391 |
| Cost of funding earning assets | 0.8418% | 2,155 |
| Net interest margin | 3.6285% | 2,575 |
| Noninterest income to average assets | 0.4108% | 3,025 |
| Noninterest expense to average assets | 2.6328% | 2,880 |
| Loan and lease loss provision to assets | 0.2548% | 1,217 |
| Net operating income to assets | 0.7245% | 3,188 |
| Return on assets (ROA) | 0.7245% | 3,276 |
| Pretax return on assets | 1.0122% | 2,807 |
| Return on Equity (ROE) | 9.0924% | 2,075 |
| Retained earnings to average equity (ytd only) | 6.9172% | 1,568 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5111% | 2,743 |
| Assets per employee ($millions) | 5.4202% | 2,203 |
| Cash dividends to net income (ytd only)* | 23.9234% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,559 |
| Loan loss allowance to noncurrent loans | 610.0264% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 3,863 |
| Noncurrent loans to loans | 0.2002% | 3,762 |
| Net loans and leases to total assets | 78.4246% | 915 |
| Net loans and leases to deposits | 95.5464% | 957 |
| Net loans and leases to core deposits | 98.1734% | 1,611 |
| Total domestic deposits to total assets | 82.0801% | 3,396 |
| Equity capital to assets | 7.7668% | 5,008 |
| Core capital (leverage) ratio | 8.0188% | 4,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3178% | 3,271 |
| Memoranda: | ||
| Average total assets | $230,778,500 | 2,620 |
| Average earning assets | $221,911,500 | 2,557 |
| Average equity | $18,389,000 | 3,335 |
| Average total loans | $185,535,000 | 2,299 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 2,190 |
| Cost of funding earning assets | 0.9424% | 1,999 |
| Net interest margin | 3.8084% | 2,476 |
| Noninterest income to average assets | 0.5335% | 2,563 |
| Noninterest expense to average assets | 2.8983% | 2,303 |
| Loan and lease loss provision to assets | 0.1128% | 1,858 |
| Net operating income to assets | 0.8738% | 3,304 |
| Return on assets (ROA) | 0.9142% | 3,232 |
| Pretax return on assets | 1.2282% | 2,737 |
| Return on Equity (ROE) | 11.2149% | 1,806 |
| Retained earnings to average equity (ytd only) | 8.9085% | 733 |
| Net charge-offs to loans | -0.0029% | 4,265 |
| Credit loss provision to net charge-offs | -4,800.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2031% | 2,290 |
| Assets per employee ($millions) | 4.8493% | 2,778 |
| Cash dividends to net income (ytd only)* | 20.5656% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 2,481 |
| Loan loss allowance to noncurrent loans | 568.2415% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 3,798 |
| Noncurrent loans to loans | 0.2097% | 3,711 |
| Net loans and leases to total assets | 80.4952% | 724 |
| Net loans and leases to deposits | 94.5157% | 1,105 |
| Net loans and leases to core deposits | 97.2640% | 1,792 |
| Total domestic deposits to total assets | 85.1660% | 2,434 |
| Equity capital to assets | 8.1836% | 5,016 |
| Core capital (leverage) ratio | 8.1598% | 4,986 |
| Tier 1 risk-based capital ratio | 10.4099% | 5,044 |
| Total risk-based capital ratio | 11.6577% | 4,982 |
| Memoranda: | ||
| Average total assets | $212,748,200 | 2,731 |
| Average earning assets | $204,154,400 | 2,666 |
| Average equity | $17,343,000 | 3,399 |
| Average total loans | $171,220,200 | 2,404 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7452% | 2,284 |
| Cost of funding earning assets | 0.9575% | 1,955 |
| Net interest margin | 3.7877% | 2,635 |
| Noninterest income to average assets | 0.4714% | 2,896 |
| Noninterest expense to average assets | 2.8484% | 2,411 |
| Loan and lease loss provision to assets | 0.1142% | 1,702 |
| Net operating income to assets | 0.8575% | 3,493 |
| Return on assets (ROA) | 0.8901% | 3,458 |
| Pretax return on assets | 1.1838% | 3,032 |
| Return on Equity (ROE) | 10.9297% | 2,046 |
| Retained earnings to average equity (ytd only) | 8.5926% | 1,173 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3865% | 2,207 |
| Assets per employee ($millions) | 4.7010% | 2,918 |
| Cash dividends to net income (ytd only)* | 21.3828% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,620 |
| Loan loss allowance to noncurrent loans | 621.3018% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 3,305 |
| Noncurrent loans to loans | 0.1898% | 3,858 |
| Net loans and leases to total assets | 81.3980% | 645 |
| Net loans and leases to deposits | 96.1558% | 999 |
| Net loans and leases to core deposits | 98.5488% | 1,782 |
| Total domestic deposits to total assets | 84.6522% | 2,556 |
| Equity capital to assets | 8.2952% | 5,069 |
| Core capital (leverage) ratio | 8.3070% | 5,028 |
| Tier 1 risk-based capital ratio | 10.4452% | 5,090 |
| Total risk-based capital ratio | 11.6901% | 5,020 |
| Memoranda: | ||
| Average total assets | $210,168,250 | 2,777 |
| Average earning assets | $201,628,250 | 2,717 |
| Average equity | $17,115,000 | 3,447 |
| Average total loans | $168,594,250 | 2,446 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 2,297 |
| Cost of funding earning assets | 0.9838% | 1,778 |
| Net interest margin | 3.7388% | 2,796 |
| Noninterest income to average assets | 0.4718% | 2,829 |
| Noninterest expense to average assets | 2.8336% | 2,475 |
| Loan and lease loss provision to assets | 0.1153% | 1,625 |
| Net operating income to assets | 0.8337% | 3,528 |
| Return on assets (ROA) | 0.8830% | 3,410 |
| Pretax return on assets | 1.1713% | 3,009 |
| Return on Equity (ROE) | 10.9141% | 2,015 |
| Retained earnings to average equity (ytd only) | 8.5389% | 1,185 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8319% | 2,250 |
| Assets per employee ($millions) | 4.6455% | 2,943 |
| Cash dividends to net income (ytd only)* | 21.7628% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,507 |
| Loan loss allowance to noncurrent loans | 616.3142% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 3,971 |
| Noncurrent loans to loans | 0.1953% | 3,852 |
| Net loans and leases to total assets | 80.1103% | 865 |
| Net loans and leases to deposits | 92.4819% | 1,435 |
| Net loans and leases to core deposits | 94.8033% | 2,177 |
| Total domestic deposits to total assets | 86.6227% | 1,765 |
| Equity capital to assets | 8.3234% | 5,111 |
| Core capital (leverage) ratio | 8.3713% | 5,026 |
| Tier 1 risk-based capital ratio | 10.7479% | 5,019 |
| Total risk-based capital ratio | 11.9982% | 4,932 |
| Memoranda: | ||
| Average total assets | $208,142,330 | 2,800 |
| Average earning assets | $199,634,670 | 2,746 |
| Average equity | $16,840,670 | 3,477 |
| Average total loans | $165,419,000 | 2,485 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6752% | 2,306 |
| Cost of funding earning assets | 1.0025% | 1,557 |
| Net interest margin | 3.6726% | 2,997 |
| Noninterest income to average assets | 0.3370% | 3,607 |
| Noninterest expense to average assets | 2.7965% | 2,580 |
| Loan and lease loss provision to assets | 0.1156% | 1,525 |
| Net operating income to assets | 0.7148% | 3,887 |
| Return on assets (ROA) | 0.7954% | 3,687 |
| Pretax return on assets | 1.0477% | 3,292 |
| Return on Equity (ROE) | 9.9752% | 2,383 |
| Retained earnings to average equity (ytd only) | 7.5599% | 1,813 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4913% | 1,962 |
| Assets per employee ($millions) | 4.5652% | 3,094 |
| Cash dividends to net income (ytd only)* | 24.2131% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 2,503 |
| Loan loss allowance to noncurrent loans | 554.6218% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 3,345 |
| Noncurrent loans to loans | 0.2189% | 3,804 |
| Net loans and leases to total assets | 78.4184% | 1,083 |
| Net loans and leases to deposits | 88.5670% | 1,798 |
| Net loans and leases to core deposits | 91.0657% | 2,394 |
| Total domestic deposits to total assets | 88.5413% | 1,065 |
| Equity capital to assets | 8.1841% | 5,133 |
| Core capital (leverage) ratio | 8.0260% | 5,202 |
| Tier 1 risk-based capital ratio | 10.9372% | 5,007 |
| Total risk-based capital ratio | 12.1876% | 4,910 |
| Memoranda: | ||
| Average total assets | $207,689,500 | 2,833 |
| Average earning assets | $199,095,000 | 2,776 |
| Average equity | $16,561,000 | 3,523 |
| Average total loans | $163,374,000 | 2,529 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 2,449 |
| Cost of funding earning assets | 0.7620% | 1,728 |
| Net interest margin | 3.7418% | 2,895 |
| Noninterest income to average assets | 0.4063% | 3,404 |
| Noninterest expense to average assets | 2.8239% | 2,604 |
| Loan and lease loss provision to assets | 0.1200% | 1,844 |
| Net operating income to assets | 0.7847% | 3,858 |
| Return on assets (ROA) | 0.7847% | 3,859 |
| Pretax return on assets | 1.0361% | 3,491 |
| Return on Equity (ROE) | 10.0400% | 2,500 |
| Retained earnings to average equity (ytd only) | 8.1216% | 1,177 |
| Net charge-offs to loans | 0.0480% | 2,474 |
| Credit loss provision to net charge-offs | 315.7895% | 987 |
| Earnings coverage of net charge-offs (x) | 30.4342% | 1,581 |
| Efficiency ratio | 70.9532% | 2,048 |
| Assets per employee ($millions) | 4.5640% | 3,067 |
| Cash dividends to net income (ytd only)* | 19.1083% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 2,705 |
| Loan loss allowance to noncurrent loans | 534.8189% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 3,334 |
| Noncurrent loans to loans | 0.2193% | 3,796 |
| Net loans and leases to total assets | 77.0440% | 1,435 |
| Net loans and leases to deposits | 87.8971% | 2,054 |
| Net loans and leases to core deposits | 91.0934% | 2,486 |
| Total domestic deposits to total assets | 87.6525% | 1,467 |
| Equity capital to assets | 7.7682% | 5,227 |
| Core capital (leverage) ratio | 8.0736% | 5,215 |
| Tier 1 risk-based capital ratio | 10.7999% | 5,067 |
| Total risk-based capital ratio | 12.0501% | 4,957 |
| Memoranda: | ||
| Average total assets | $200,080,400 | 2,869 |
| Average earning assets | $191,087,000 | 2,819 |
| Average equity | $15,637,400 | 3,553 |
| Average total loans | $158,430,200 | 2,544 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 2,381 |
| Cost of funding earning assets | 0.7086% | 1,801 |
| Net interest margin | 3.7656% | 2,768 |
| Noninterest income to average assets | 0.4635% | 3,080 |
| Noninterest expense to average assets | 2.8938% | 2,321 |
| Loan and lease loss provision to assets | 0.1214% | 1,658 |
| Net operating income to assets | 0.7880% | 3,947 |
| Return on assets (ROA) | 0.7880% | 3,959 |
| Pretax return on assets | 1.0411% | 3,603 |
| Return on Equity (ROE) | 10.0668% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.1276% | 1,591 |
| Net charge-offs to loans | -0.0305% | 4,761 |
| Credit loss provision to net charge-offs | -500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3407% | 1,989 |
| Assets per employee ($millions) | 4.3377% | 3,376 |
| Cash dividends to net income (ytd only)* | 19.2636% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 2,559 |
| Loan loss allowance to noncurrent loans | 7,042.8571% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 3,936 |
| Noncurrent loans to loans | 0.0172% | 4,838 |
| Net loans and leases to total assets | 78.8451% | 1,191 |
| Net loans and leases to deposits | 92.7060% | 1,534 |
| Net loans and leases to core deposits | 96.3675% | 2,079 |
| Total domestic deposits to total assets | 85.0485% | 2,589 |
| Equity capital to assets | 7.7475% | 5,254 |
| Core capital (leverage) ratio | 8.0033% | 5,316 |
| Tier 1 risk-based capital ratio | 10.6857% | 5,179 |
| Total risk-based capital ratio | 11.9365% | 5,088 |
| Memoranda: | ||
| Average total assets | $197,614,250 | 2,915 |
| Average earning assets | $188,546,250 | 2,863 |
| Average equity | $15,469,500 | 3,602 |
| Average total loans | $157,120,250 | 2,572 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3855% | 2,468 |
| Cost of funding earning assets | 0.6299% | 2,048 |
| Net interest margin | 3.7556% | 2,729 |
| Noninterest income to average assets | 0.4623% | 3,077 |
| Noninterest expense to average assets | 2.8906% | 2,380 |
| Loan and lease loss provision to assets | 0.1227% | 1,608 |
| Net operating income to assets | 0.7784% | 3,926 |
| Return on assets (ROA) | 0.7784% | 3,930 |
| Pretax return on assets | 1.0290% | 3,574 |
| Return on Equity (ROE) | 9.9082% | 2,607 |
| Retained earnings to average equity (ytd only) | 7.9552% | 1,652 |
| Net charge-offs to loans | -0.0129% | 4,402 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5081% | 2,085 |
| Assets per employee ($millions) | 4.3786% | 3,309 |
| Cash dividends to net income (ytd only)* | 19.7109% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,813 |
| Loan loss allowance to noncurrent loans | 1,625.8621% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 3,752 |
| Noncurrent loans to loans | 0.0729% | 4,594 |
| Net loans and leases to total assets | 79.8477% | 1,050 |
| Net loans and leases to deposits | 96.8387% | 1,055 |
| Net loans and leases to core deposits | 100.6873% | 1,678 |
| Total domestic deposits to total assets | 82.4544% | 3,577 |
| Equity capital to assets | 7.8961% | 5,262 |
| Core capital (leverage) ratio | 8.0936% | 5,314 |
| Tier 1 risk-based capital ratio | 10.8520% | 5,129 |
| Total risk-based capital ratio | 12.1023% | 5,020 |
| Memoranda: | ||
| Average total assets | $195,528,330 | 2,947 |
| Average earning assets | $186,387,330 | 2,899 |
| Average equity | $15,361,000 | 3,634 |
| Average total loans | $155,255,330 | 2,605 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 2,484 |
| Cost of funding earning assets | 0.5836% | 2,147 |
| Net interest margin | 3.7236% | 2,714 |
| Noninterest income to average assets | 0.4374% | 3,194 |
| Noninterest expense to average assets | 2.8977% | 2,379 |
| Loan and lease loss provision to assets | 0.1232% | 1,530 |
| Net operating income to assets | 0.7352% | 3,964 |
| Return on assets (ROA) | 0.7352% | 3,969 |
| Pretax return on assets | 0.9673% | 3,644 |
| Return on Equity (ROE) | 9.3825% | 2,724 |
| Retained earnings to average equity (ytd only) | 7.4169% | 2,091 |
| Net charge-offs to loans | -0.0209% | 4,581 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6571% | 2,096 |
| Assets per employee ($millions) | 4.2557% | 3,557 |
| Cash dividends to net income (ytd only)* | 20.9497% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 2,904 |
| Loan loss allowance to noncurrent loans | 5,883.8710% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 4,039 |
| Noncurrent loans to loans | 0.0201% | 4,899 |
| Net loans and leases to total assets | 77.7380% | 1,278 |
| Net loans and leases to deposits | 92.2053% | 1,429 |
| Net loans and leases to core deposits | 95.9727% | 1,980 |
| Total domestic deposits to total assets | 84.3097% | 3,191 |
| Equity capital to assets | 7.7977% | 5,331 |
| Core capital (leverage) ratio | 7.9916% | 5,391 |
| Tier 1 risk-based capital ratio | 10.8773% | 5,200 |
| Total risk-based capital ratio | 12.1277% | 5,103 |
| Memoranda: | ||
| Average total assets | $194,775,000 | 2,986 |
| Average earning assets | $185,733,500 | 2,934 |
| Average equity | $15,262,500 | 3,676 |
| Average total loans | $153,276,000 | 2,649 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 2,480 |
| Cost of funding earning assets | 0.4625% | 2,668 |
| Net interest margin | 3.7920% | 2,455 |
| Noninterest income to average assets | 0.3205% | 4,174 |
| Noninterest expense to average assets | 2.8845% | 2,506 |
| Loan and lease loss provision to assets | 0.1169% | 1,944 |
| Net operating income to assets | 0.5560% | 4,206 |
| Return on assets (ROA) | 0.5581% | 4,233 |
| Pretax return on assets | 0.9081% | 3,896 |
| Return on Equity (ROE) | 7.1322% | 3,208 |
| Retained earnings to average equity (ytd only) | 5.3545% | 1,898 |
| Net charge-offs to loans | 0.0050% | 3,906 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 262.2857% | 320 |
| Efficiency ratio | 73.8462% | 1,916 |
| Assets per employee ($millions) | 4.4112% | 3,335 |
| Cash dividends to net income (ytd only)* | 24.9252% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 3,055 |
| Loan loss allowance to noncurrent loans | 5,321.2121% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 4,068 |
| Noncurrent loans to loans | 0.0216% | 4,919 |
| Net loans and leases to total assets | 77.6894% | 1,321 |
| Net loans and leases to deposits | 90.7007% | 1,687 |
| Net loans and leases to core deposits | 93.0980% | 2,278 |
| Total domestic deposits to total assets | 85.6547% | 2,593 |
| Equity capital to assets | 7.7881% | 5,461 |
| Core capital (leverage) ratio | 7.9670% | 5,460 |
| Tier 1 risk-based capital ratio | 10.4535% | 5,383 |
| Total risk-based capital ratio | 11.6689% | 5,310 |
| Memoranda: | ||
| Average total assets | $179,717,400 | 3,120 |
| Average earning assets | $169,936,400 | 3,076 |
| Average equity | $14,063,000 | 3,836 |
| Average total loans | $139,494,600 | 2,790 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 2,520 |
| Cost of funding earning assets | 0.4379% | 2,831 |
| Net interest margin | 3.7916% | 2,436 |
| Noninterest income to average assets | 0.5201% | 2,900 |
| Noninterest expense to average assets | 2.9872% | 2,141 |
| Loan and lease loss provision to assets | 0.1136% | 1,897 |
| Net operating income to assets | 0.6526% | 4,178 |
| Return on assets (ROA) | 0.6556% | 4,226 |
| Pretax return on assets | 1.0023% | 3,684 |
| Return on Equity (ROE) | 8.3671% | 2,945 |
| Retained earnings to average equity (ytd only) | 6.6763% | 1,856 |
| Net charge-offs to loans | -0.0059% | 4,493 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8851% | 2,059 |
| Assets per employee ($millions) | 4.3728% | 3,351 |
| Cash dividends to net income (ytd only)* | 20.2080% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 3,158 |
| Loan loss allowance to noncurrent loans | 2,946.5517% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 2,719 |
| Noncurrent loans to loans | 0.0393% | 4,938 |
| Net loans and leases to total assets | 77.5694% | 1,333 |
| Net loans and leases to deposits | 92.1400% | 1,550 |
| Net loans and leases to core deposits | 95.7877% | 2,099 |
| Total domestic deposits to total assets | 84.1865% | 3,049 |
| Equity capital to assets | 7.9711% | 5,528 |
| Core capital (leverage) ratio | 8.1739% | 5,436 |
| Tier 1 risk-based capital ratio | 10.8667% | 5,309 |
| Total risk-based capital ratio | 12.1014% | 5,227 |
| Memoranda: | ||
| Average total assets | $176,123,750 | 3,197 |
| Average earning assets | $166,225,000 | 3,147 |
| Average equity | $13,799,750 | 3,909 |
| Average total loans | $136,232,000 | 2,851 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1875% | 2,521 |
| Cost of funding earning assets | 0.4032% | 3,042 |
| Net interest margin | 3.7843% | 2,347 |
| Noninterest income to average assets | 0.5321% | 2,821 |
| Noninterest expense to average assets | 3.0229% | 2,057 |
| Loan and lease loss provision to assets | 0.1046% | 1,937 |
| Net operating income to assets | 0.6366% | 4,138 |
| Return on assets (ROA) | 0.6366% | 4,188 |
| Pretax return on assets | 0.9701% | 3,689 |
| Return on Equity (ROE) | 8.1769% | 2,927 |
| Retained earnings to average equity (ytd only) | 6.6847% | 1,748 |
| Net charge-offs to loans | 0.0121% | 3,033 |
| Credit loss provision to net charge-offs | 1,125.0000% | 352 |
| Earnings coverage of net charge-offs (x) | 115.6250% | 591 |
| Efficiency ratio | 73.7737% | 2,060 |
| Assets per employee ($millions) | 4.0642% | 3,856 |
| Cash dividends to net income (ytd only)* | 18.2482% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 3,380 |
| Loan loss allowance to noncurrent loans | 3,554.3478% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 2,739 |
| Noncurrent loans to loans | 0.0320% | 5,031 |
| Net loans and leases to total assets | 77.7059% | 1,287 |
| Net loans and leases to deposits | 90.3487% | 1,684 |
| Net loans and leases to core deposits | 93.9336% | 2,159 |
| Total domestic deposits to total assets | 86.0067% | 2,374 |
| Equity capital to assets | 7.5500% | 5,650 |
| Core capital (leverage) ratio | 7.9563% | 5,551 |
| Tier 1 risk-based capital ratio | 10.1351% | 5,593 |
| Total risk-based capital ratio | 11.3361% | 5,552 |
| Memoranda: | ||
| Average total assets | $172,155,330 | 3,259 |
| Average earning assets | $162,195,670 | 3,213 |
| Average equity | $13,403,670 | 3,978 |
| Average total loans | $132,455,330 | 2,899 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 3,038 |
| Cost of funding earning assets | 0.3879% | 3,118 |
| Net interest margin | 3.6138% | 2,835 |
| Noninterest income to average assets | 0.4725% | 3,174 |
| Noninterest expense to average assets | 3.0937% | 1,882 |
| Loan and lease loss provision to assets | 0.1079% | 1,768 |
| Net operating income to assets | 0.4509% | 4,774 |
| Return on assets (ROA) | 0.4509% | 4,795 |
| Pretax return on assets | 0.6667% | 4,539 |
| Return on Equity (ROE) | 5.6963% | 4,045 |
| Retained earnings to average equity (ytd only) | 4.1813% | 3,367 |
| Net charge-offs to loans | 0.0505% | 1,850 |
| Credit loss provision to net charge-offs | 281.2500% | 821 |
| Earnings coverage of net charge-offs (x) | 20.1875% | 1,494 |
| Efficiency ratio | 79.9752% | 1,386 |
| Assets per employee ($millions) | 3.8403% | 4,283 |
| Cash dividends to net income (ytd only)* | 26.5957% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,971 |
| Loan loss allowance to noncurrent loans | 1,265.6000% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 2,526 |
| Noncurrent loans to loans | 0.0968% | 4,804 |
| Net loans and leases to total assets | 75.5195% | 1,498 |
| Net loans and leases to deposits | 83.3182% | 2,362 |
| Net loans and leases to core deposits | 87.4673% | 2,594 |
| Total domestic deposits to total assets | 90.6398% | 413 |
| Equity capital to assets | 7.8818% | 5,574 |
| Core capital (leverage) ratio | 8.1792% | 5,468 |
| Tier 1 risk-based capital ratio | 11.2939% | 5,143 |
| Total risk-based capital ratio | 12.5449% | 5,050 |
| Memoranda: | ||
| Average total assets | $166,789,500 | 3,347 |
| Average earning assets | $156,733,000 | 3,316 |
| Average equity | $13,201,500 | 4,032 |
| Average total loans | $126,808,500 | 3,011 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 2,944 |
| Cost of funding earning assets | 0.3668% | 3,348 |
| Net interest margin | 3.7052% | 2,670 |
| Noninterest income to average assets | 0.3635% | 4,142 |
| Noninterest expense to average assets | 3.2073% | 1,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4119% | 4,900 |
| Return on assets (ROA) | 0.4815% | 4,778 |
| Pretax return on assets | 0.7245% | 4,410 |
| Return on Equity (ROE) | 5.7825% | 4,081 |
| Retained earnings to average equity (ytd only) | 4.2747% | 2,863 |
| Net charge-offs to loans | -0.0524% | 5,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8228% | 1,025 |
| Assets per employee ($millions) | 3.7411% | 4,407 |
| Cash dividends to net income (ytd only)* | 26.0756% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,834 |
| Loan loss allowance to noncurrent loans | 1,283.4711% | 497 |
| Noncurrent assets plus other real estate owned to assets | 1.0042% | 1,889 |
| Noncurrent loans to loans | 0.0972% | 4,851 |
| Net loans and leases to total assets | 74.6476% | 1,750 |
| Net loans and leases to deposits | 83.1490% | 2,519 |
| Net loans and leases to core deposits | 87.2810% | 2,749 |
| Total domestic deposits to total assets | 89.7757% | 737 |
| Equity capital to assets | 7.9492% | 5,586 |
| Core capital (leverage) ratio | 8.2610% | 5,465 |
| Tier 1 risk-based capital ratio | 11.3696% | 5,134 |
| Total risk-based capital ratio | 12.6207% | 5,032 |
| Memoranda: | ||
| Average total assets | $159,290,800 | 3,403 |
| Average earning assets | $148,873,200 | 3,386 |
| Average equity | $13,264,200 | 4,060 |
| Average total loans | $120,141,200 | 3,067 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 2,989 |
| Cost of funding earning assets | 0.3660% | 3,376 |
| Net interest margin | 3.7033% | 2,708 |
| Noninterest income to average assets | 0.5166% | 3,140 |
| Noninterest expense to average assets | 3.1948% | 1,788 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5428% | 4,527 |
| Return on assets (ROA) | 0.6406% | 4,245 |
| Pretax return on assets | 0.9226% | 3,902 |
| Return on Equity (ROE) | 7.6037% | 3,239 |
| Retained earnings to average equity (ytd only) | 6.1010% | 2,127 |
| Net charge-offs to loans | -0.0459% | 5,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3609% | 1,398 |
| Assets per employee ($millions) | 3.6180% | 4,613 |
| Cash dividends to net income (ytd only)* | 19.7634% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,849 |
| Loan loss allowance to noncurrent loans | 2,218.8406% | 313 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 1,722 |
| Noncurrent loans to loans | 0.0572% | 5,127 |
| Net loans and leases to total assets | 74.8367% | 1,731 |
| Net loans and leases to deposits | 83.9930% | 2,482 |
| Net loans and leases to core deposits | 88.5327% | 2,713 |
| Total domestic deposits to total assets | 89.0987% | 857 |
| Equity capital to assets | 8.5413% | 5,508 |
| Core capital (leverage) ratio | 8.3604% | 5,456 |
| Tier 1 risk-based capital ratio | 11.5295% | 5,074 |
| Total risk-based capital ratio | 12.7804% | 4,984 |
| Memoranda: | ||
| Average total assets | $157,961,500 | 3,431 |
| Average earning assets | $147,541,250 | 3,418 |
| Average equity | $13,309,000 | 4,081 |
| Average total loans | $119,069,250 | 3,089 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 2,817 |
| Cost of funding earning assets | 0.3498% | 3,570 |
| Net interest margin | 3.7604% | 2,474 |
| Noninterest income to average assets | 0.5281% | 3,016 |
| Noninterest expense to average assets | 3.1825% | 1,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5974% | 4,283 |
| Return on assets (ROA) | 0.7413% | 3,750 |
| Pretax return on assets | 1.0587% | 3,368 |
| Return on Equity (ROE) | 8.8398% | 2,567 |
| Retained earnings to average equity (ytd only) | 7.3261% | 1,462 |
| Net charge-offs to loans | -0.0911% | 5,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8613% | 1,660 |
| Assets per employee ($millions) | 3.7776% | 4,309 |
| Cash dividends to net income (ytd only)* | 17.1233% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 2,840 |
| Loan loss allowance to noncurrent loans | 1,816.4706% | 351 |
| Noncurrent assets plus other real estate owned to assets | 1.1786% | 1,773 |
| Noncurrent loans to loans | 0.0711% | 5,161 |
| Net loans and leases to total assets | 74.3945% | 1,755 |
| Net loans and leases to deposits | 83.1683% | 2,570 |
| Net loans and leases to core deposits | 87.1506% | 2,801 |
| Total domestic deposits to total assets | 89.4505% | 707 |
| Equity capital to assets | 8.5717% | 5,556 |
| Core capital (leverage) ratio | 8.3478% | 5,490 |
| Tier 1 risk-based capital ratio | 11.8272% | 4,954 |
| Total risk-based capital ratio | 13.0781% | 4,834 |
| Memoranda: | ||
| Average total assets | $157,551,330 | 3,455 |
| Average earning assets | $146,954,330 | 3,447 |
| Average equity | $13,213,000 | 4,122 |
| Average total loans | $118,537,330 | 3,104 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 3,125 |
| Cost of funding earning assets | 0.3203% | 3,941 |
| Net interest margin | 3.7062% | 2,648 |
| Noninterest income to average assets | 0.5682% | 2,691 |
| Noninterest expense to average assets | 3.3504% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5235% | 4,530 |
| Return on assets (ROA) | 0.7007% | 3,825 |
| Pretax return on assets | 0.8917% | 3,874 |
| Return on Equity (ROE) | 8.4489% | 2,682 |
| Retained earnings to average equity (ytd only) | 6.9127% | 1,926 |
| Net charge-offs to loans | -0.0339% | 5,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3862% | 1,213 |
| Assets per employee ($millions) | 4.0246% | 3,904 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 3,107 |
| Loan loss allowance to noncurrent loans | 2,054.7945% | 308 |
| Noncurrent assets plus other real estate owned to assets | 1.3258% | 1,614 |
| Noncurrent loans to loans | 0.0614% | 5,234 |
| Net loans and leases to total assets | 74.8089% | 1,597 |
| Net loans and leases to deposits | 83.3878% | 2,379 |
| Net loans and leases to core deposits | 86.3192% | 2,721 |
| Total domestic deposits to total assets | 89.7120% | 726 |
| Equity capital to assets | 8.3856% | 5,650 |
| Core capital (leverage) ratio | 8.2830% | 5,585 |
| Tier 1 risk-based capital ratio | 11.8410% | 5,020 |
| Total risk-based capital ratio | 13.0928% | 4,926 |
| Memoranda: | ||
| Average total assets | $156,996,500 | 3,480 |
| Average earning assets | $146,133,500 | 3,476 |
| Average equity | $13,019,500 | 4,161 |
| Average total loans | $118,016,500 | 3,117 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9929% | 3,335 |
| Cost of funding earning assets | 0.2481% | 4,805 |
| Net interest margin | 3.7448% | 2,581 |
| Noninterest income to average assets | 0.4336% | 3,794 |
| Noninterest expense to average assets | 3.1833% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4573% | 4,855 |
| Return on assets (ROA) | 0.5181% | 4,708 |
| Pretax return on assets | 0.8125% | 4,152 |
| Return on Equity (ROE) | 6.2632% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.2632% | 1,666 |
| Net charge-offs to loans | -0.0092% | 5,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6074% | 1,461 |
| Assets per employee ($millions) | 3.9258% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 3,055 |
| Loan loss allowance to noncurrent loans | 2,128.5714% | 312 |
| Noncurrent assets plus other real estate owned to assets | 1.0616% | 2,063 |
| Noncurrent loans to loans | 0.0598% | 5,279 |
| Net loans and leases to total assets | 73.6297% | 1,789 |
| Net loans and leases to deposits | 82.3215% | 2,549 |
| Net loans and leases to core deposits | 85.0363% | 2,875 |
| Total domestic deposits to total assets | 89.4417% | 891 |
| Equity capital to assets | 8.2002% | 5,759 |
| Core capital (leverage) ratio | 8.0854% | 5,785 |
| Tier 1 risk-based capital ratio | 11.3299% | 5,362 |
| Total risk-based capital ratio | 12.5805% | 5,249 |
| Memoranda: | ||
| Average total assets | $151,511,800 | 3,548 |
| Average earning assets | $140,274,000 | 3,536 |
| Average equity | $12,533,600 | 4,216 |
| Average total loans | $108,817,400 | 3,223 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9665% | 3,476 |
| Cost of funding earning assets | 0.2363% | 5,026 |
| Net interest margin | 3.7302% | 2,645 |
| Noninterest income to average assets | 0.4387% | 3,810 |
| Noninterest expense to average assets | 3.2007% | 1,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4708% | 4,895 |
| Return on assets (ROA) | 0.5577% | 4,654 |
| Pretax return on assets | 0.8153% | 4,289 |
| Return on Equity (ROE) | 6.7266% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.7266% | 1,822 |
| Net charge-offs to loans | -0.0200% | 5,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3207% | 1,353 |
| Assets per employee ($millions) | 4.0037% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 3,231 |
| Loan loss allowance to noncurrent loans | 965.1613% | 598 |
| Noncurrent assets plus other real estate owned to assets | 1.1464% | 2,076 |
| Noncurrent loans to loans | 0.1322% | 5,103 |
| Net loans and leases to total assets | 74.1527% | 1,712 |
| Net loans and leases to deposits | 86.3378% | 2,111 |
| Net loans and leases to core deposits | 89.1463% | 2,539 |
| Total domestic deposits to total assets | 85.8867% | 2,592 |
| Equity capital to assets | 8.1796% | 5,884 |
| Core capital (leverage) ratio | 8.2199% | 5,760 |
| Tier 1 risk-based capital ratio | 11.2425% | 5,526 |
| Total risk-based capital ratio | 12.4935% | 5,421 |
| Memoranda: | ||
| Average total assets | $150,131,500 | 3,602 |
| Average earning assets | $138,826,250 | 3,589 |
| Average equity | $12,447,750 | 4,277 |
| Average total loans | $106,743,500 | 3,289 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 3,730 |
| Cost of funding earning assets | 0.2253% | 5,191 |
| Net interest margin | 3.6648% | 2,858 |
| Noninterest income to average assets | 0.3956% | 4,106 |
| Noninterest expense to average assets | 3.2675% | 1,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3669% | 5,245 |
| Return on assets (ROA) | 0.5050% | 4,858 |
| Pretax return on assets | 0.7021% | 4,644 |
| Return on Equity (ROE) | 6.0618% | 4,100 |
| Retained earnings to average equity (ytd only) | 6.0618% | 2,205 |
| Net charge-offs to loans | -0.0426% | 5,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4904% | 1,025 |
| Assets per employee ($millions) | 3.8560% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 2,753 |
| Loan loss allowance to noncurrent loans | 476.8254% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 1.2967% | 1,936 |
| Noncurrent loans to loans | 0.2938% | 4,628 |
| Net loans and leases to total assets | 70.3005% | 2,273 |
| Net loans and leases to deposits | 78.6320% | 2,954 |
| Net loans and leases to core deposits | 81.1969% | 3,260 |
| Total domestic deposits to total assets | 89.4044% | 950 |
| Equity capital to assets | 8.2343% | 5,864 |
| Core capital (leverage) ratio | 8.5131% | 5,518 |
| Tier 1 risk-based capital ratio | 11.7059% | 5,337 |
| Total risk-based capital ratio | 12.9577% | 5,248 |
| Memoranda: | ||
| Average total assets | $148,127,330 | 3,656 |
| Average earning assets | $136,707,670 | 3,647 |
| Average equity | $12,339,670 | 4,320 |
| Average total loans | $103,231,000 | 3,375 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8577% | 3,793 |
| Cost of funding earning assets | 0.2212% | 5,311 |
| Net interest margin | 3.6365% | 2,871 |
| Noninterest income to average assets | 0.1823% | 5,622 |
| Noninterest expense to average assets | 3.2871% | 1,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1949% | 5,693 |
| Return on assets (ROA) | 0.4980% | 4,811 |
| Pretax return on assets | 0.6340% | 4,816 |
| Return on Equity (ROE) | 5.9425% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.9425% | 2,533 |
| Net charge-offs to loans | -0.0553% | 5,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9231% | 652 |
| Assets per employee ($millions) | 3.6065% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 2,547 |
| Loan loss allowance to noncurrent loans | 459.6923% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 1.3587% | 1,956 |
| Noncurrent loans to loans | 0.3214% | 4,638 |
| Net loans and leases to total assets | 69.0584% | 2,275 |
| Net loans and leases to deposits | 78.8044% | 2,705 |
| Net loans and leases to core deposits | 81.5392% | 3,002 |
| Total domestic deposits to total assets | 87.6327% | 2,026 |
| Equity capital to assets | 8.5769% | 5,684 |
| Core capital (leverage) ratio | 8.3727% | 5,665 |
| Tier 1 risk-based capital ratio | 12.3610% | 5,002 |
| Total risk-based capital ratio | 13.6142% | 4,912 |
| Memoranda: | ||
| Average total assets | $146,999,500 | 3,698 |
| Average earning assets | $135,625,500 | 3,693 |
| Average equity | $12,318,000 | 4,354 |
| Average total loans | $101,235,500 | 3,429 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8618% | 4,276 |
| Cost of funding earning assets | 0.2449% | 5,377 |
| Net interest margin | 3.6169% | 3,345 |
| Noninterest income to average assets | 0.5004% | 3,507 |
| Noninterest expense to average assets | 3.3472% | 1,807 |
| Loan and lease loss provision to assets | -0.1027% | 6,152 |
| Net operating income to assets | 0.8693% | 3,025 |
| Return on assets (ROA) | 0.9371% | 2,782 |
| Pretax return on assets | 0.6598% | 4,758 |
| Return on Equity (ROE) | 13.4247% | 1,059 |
| Retained earnings to average equity (ytd only) | 13.4247% | 202 |
| Net charge-offs to loans | -0.0238% | 5,738 |
| Credit loss provision to net charge-offs | 652.1739% | 406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2435% | 1,052 |
| Assets per employee ($millions) | 3.9405% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 2,642 |
| Loan loss allowance to noncurrent loans | 870.5882% | 672 |
| Noncurrent assets plus other real estate owned to assets | 1.2889% | 2,188 |
| Noncurrent loans to loans | 0.1677% | 5,228 |
| Net loans and leases to total assets | 66.6983% | 2,767 |
| Net loans and leases to deposits | 73.2950% | 3,516 |
| Net loans and leases to core deposits | 75.7936% | 3,736 |
| Total domestic deposits to total assets | 90.9997% | 366 |
| Equity capital to assets | 8.1895% | 5,969 |
| Core capital (leverage) ratio | 8.1736% | 5,871 |
| Tier 1 risk-based capital ratio | 11.8023% | 5,491 |
| Total risk-based capital ratio | 13.0550% | 5,398 |
| Memoranda: | ||
| Average total assets | $146,094,000 | 3,690 |
| Average earning assets | $134,754,600 | 3,682 |
| Average equity | $10,197,600 | 4,711 |
| Average total loans | $96,768,400 | 3,484 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 4,359 |
| Cost of funding earning assets | 0.2540% | 5,369 |
| Net interest margin | 3.5991% | 3,428 |
| Noninterest income to average assets | 0.4812% | 3,678 |
| Noninterest expense to average assets | 3.2639% | 1,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5382% | 4,718 |
| Return on assets (ROA) | 0.5960% | 4,548 |
| Pretax return on assets | 0.5933% | 5,054 |
| Return on Equity (ROE) | 8.9380% | 2,726 |
| Retained earnings to average equity (ytd only) | 8.9380% | 1,028 |
| Net charge-offs to loans | -0.0948% | 6,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9077% | 1,191 |
| Assets per employee ($millions) | 3.6015% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6916% | 1,997 |
| Loan loss allowance to noncurrent loans | 1,781.9149% | 342 |
| Noncurrent assets plus other real estate owned to assets | 1.3425% | 2,297 |
| Noncurrent loans to loans | 0.0949% | 5,661 |
| Net loans and leases to total assets | 67.5737% | 2,602 |
| Net loans and leases to deposits | 74.0854% | 3,422 |
| Net loans and leases to core deposits | 76.7041% | 3,667 |
| Total domestic deposits to total assets | 91.2105% | 301 |
| Equity capital to assets | 8.0585% | 6,102 |
| Core capital (leverage) ratio | 7.7945% | 6,171 |
| Tier 1 risk-based capital ratio | 11.3052% | 5,876 |
| Total risk-based capital ratio | 12.5601% | 5,812 |
| Memoranda: | ||
| Average total assets | $145,182,500 | 3,742 |
| Average earning assets | $133,846,250 | 3,723 |
| Average equity | $9,681,250 | 4,852 |
| Average total loans | $95,622,000 | 3,542 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 4,389 |
| Cost of funding earning assets | 0.2638% | 5,346 |
| Net interest margin | 3.5728% | 3,472 |
| Noninterest income to average assets | 0.4562% | 3,822 |
| Noninterest expense to average assets | 3.3334% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4205% | 5,134 |
| Return on assets (ROA) | 0.4576% | 5,056 |
| Pretax return on assets | 0.4534% | 5,410 |
| Return on Equity (ROE) | 7.3683% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.3683% | 1,577 |
| Net charge-offs to loans | -0.1228% | 6,203 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8970% | 1,003 |
| Assets per employee ($millions) | 3.7513% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7348% | 2,024 |
| Loan loss allowance to noncurrent loans | 650.3906% | 728 |
| Noncurrent assets plus other real estate owned to assets | 1.4792% | 2,208 |
| Noncurrent loans to loans | 0.2667% | 5,222 |
| Net loans and leases to total assets | 64.4639% | 3,006 |
| Net loans and leases to deposits | 69.3787% | 3,899 |
| Net loans and leases to core deposits | 71.7421% | 4,075 |
| Total domestic deposits to total assets | 92.9159% | 88 |
| Equity capital to assets | 6.4067% | 6,501 |
| Core capital (leverage) ratio | 6.2619% | 6,508 |
| Tier 1 risk-based capital ratio | 9.1343% | 6,526 |
| Total risk-based capital ratio | 10.3889% | 6,518 |
| Memoranda: | ||
| Average total assets | $145,557,000 | 3,751 |
| Average earning assets | $134,179,670 | 3,742 |
| Average equity | $9,038,670 | 5,018 |
| Average total loans | $94,489,000 | 3,579 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7141% | 4,797 |
| Cost of funding earning assets | 0.2841% | 5,229 |
| Net interest margin | 3.4300% | 3,984 |
| Noninterest income to average assets | 0.5014% | 3,398 |
| Noninterest expense to average assets | 3.1739% | 2,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4959% | 4,712 |
| Return on assets (ROA) | 0.5620% | 4,482 |
| Pretax return on assets | 0.5538% | 4,998 |
| Return on Equity (ROE) | 9.1980% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.1980% | 1,195 |
| Net charge-offs to loans | -0.2005% | 6,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6817% | 1,375 |
| Assets per employee ($millions) | 3.6896% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7756% | 2,116 |
| Loan loss allowance to noncurrent loans | 1,272.3077% | 420 |
| Noncurrent assets plus other real estate owned to assets | 1.4539% | 2,443 |
| Noncurrent loans to loans | 0.1396% | 5,684 |
| Net loans and leases to total assets | 63.5875% | 2,968 |
| Net loans and leases to deposits | 69.0932% | 3,726 |
| Net loans and leases to core deposits | 71.9058% | 3,880 |
| Total domestic deposits to total assets | 92.0316% | 236 |
| Equity capital to assets | 6.2908% | 6,544 |
| Core capital (leverage) ratio | 6.0739% | 6,576 |
| Tier 1 risk-based capital ratio | 9.5438% | 6,541 |
| Total risk-based capital ratio | 10.8004% | 6,527 |
| Memoranda: | ||
| Average total assets | $145,186,000 | 3,784 |
| Average earning assets | $133,761,000 | 3,771 |
| Average equity | $8,871,500 | 5,086 |
| Average total loans | $93,746,000 | 3,613 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0043% | 4,073 |
| Cost of funding earning assets | 0.3766% | 4,874 |
| Net interest margin | 3.6278% | 3,340 |
| Noninterest income to average assets | 0.3722% | 4,652 |
| Noninterest expense to average assets | 3.4425% | 1,784 |
| Loan and lease loss provision to assets | -0.2135% | 6,609 |
| Net operating income to assets | 0.4206% | 5,077 |
| Return on assets (ROA) | 0.4363% | 5,132 |
| Pretax return on assets | 0.4363% | 5,399 |
| Return on Equity (ROE) | 7.4406% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.4406% | 1,257 |
| Net charge-offs to loans | 0.2764% | 2,317 |
| Credit loss provision to net charge-offs | -116.7315% | 5,900 |
| Earnings coverage of net charge-offs (x) | 1.1323% | 4,697 |
| Efficiency ratio | 94.3253% | 727 |
| Assets per employee ($millions) | 3.7559% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 2,394 |
| Loan loss allowance to noncurrent loans | 302.0677% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 1.7190% | 2,149 |
| Noncurrent loans to loans | 0.5639% | 4,580 |
| Net loans and leases to total assets | 63.3081% | 3,165 |
| Net loans and leases to deposits | 68.4892% | 3,976 |
| Net loans and leases to core deposits | 71.4287% | 4,138 |
| Total domestic deposits to total assets | 92.4351% | 205 |
| Equity capital to assets | 5.9333% | 6,621 |
| Core capital (leverage) ratio | 6.0621% | 6,644 |
| Tier 1 risk-based capital ratio | 9.1867% | 6,643 |
| Total risk-based capital ratio | 10.4375% | 6,625 |
| Memoranda: | ||
| Average total assets | $140,506,600 | 3,865 |
| Average earning assets | $126,937,800 | 3,910 |
| Average equity | $8,238,600 | 5,277 |
| Average total loans | $92,965,200 | 3,620 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 3,974 |
| Cost of funding earning assets | 0.4055% | 4,779 |
| Net interest margin | 3.6347% | 3,303 |
| Noninterest income to average assets | 0.3203% | 5,127 |
| Noninterest expense to average assets | 3.4154% | 1,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1717% | 5,982 |
| Return on assets (ROA) | 0.1928% | 6,005 |
| Pretax return on assets | 0.1928% | 6,050 |
| Return on Equity (ROE) | 3.2981% | 5,497 |
| Retained earnings to average equity (ytd only) | 3.2981% | 4,329 |
| Net charge-offs to loans | 0.3311% | 1,887 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.7783% | 4,592 |
| Efficiency ratio | 95.2139% | 665 |
| Assets per employee ($millions) | 3.4719% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0369% | 1,637 |
| Loan loss allowance to noncurrent loans | 507.6115% | 867 |
| Noncurrent assets plus other real estate owned to assets | 3.1561% | 1,146 |
| Noncurrent loans to loans | 0.4013% | 5,188 |
| Net loans and leases to total assets | 66.9775% | 2,462 |
| Net loans and leases to deposits | 72.3728% | 3,468 |
| Net loans and leases to core deposits | 75.6687% | 3,653 |
| Total domestic deposits to total assets | 92.5451% | 174 |
| Equity capital to assets | 5.7260% | 6,717 |
| Core capital (leverage) ratio | 5.4827% | 6,761 |
| Tier 1 risk-based capital ratio | 8.0015% | 6,767 |
| Total risk-based capital ratio | 9.2611% | 6,769 |
| Memoranda: | ||
| Average total assets | $139,013,500 | 3,933 |
| Average earning assets | $124,941,000 | 3,983 |
| Average equity | $8,125,500 | 5,360 |
| Average total loans | $92,621,500 | 3,654 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0124% | 4,050 |
| Cost of funding earning assets | 0.4246% | 4,711 |
| Net interest margin | 3.5878% | 3,413 |
| Noninterest income to average assets | 0.2186% | 5,872 |
| Noninterest expense to average assets | 3.3439% | 1,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0949% | 6,141 |
| Return on assets (ROA) | 0.1266% | 6,174 |
| Pretax return on assets | 0.1266% | 6,190 |
| Return on Equity (ROE) | 2.1507% | 5,906 |
| Retained earnings to average equity (ytd only) | 2.1507% | 4,908 |
| Net charge-offs to loans | 0.2678% | 2,134 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.5366% | 4,362 |
| Efficiency ratio | 97.2396% | 608 |
| Assets per employee ($millions) | 3.4988% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1364% | 1,551 |
| Loan loss allowance to noncurrent loans | 554.6196% | 788 |
| Noncurrent assets plus other real estate owned to assets | 3.3198% | 1,183 |
| Noncurrent loans to loans | 0.3852% | 5,308 |
| Net loans and leases to total assets | 66.8039% | 2,448 |
| Net loans and leases to deposits | 72.8977% | 3,320 |
| Net loans and leases to core deposits | 75.9437% | 3,551 |
| Total domestic deposits to total assets | 91.6406% | 331 |
| Equity capital to assets | 5.5991% | 6,780 |
| Core capital (leverage) ratio | 5.4796% | 6,797 |
| Tier 1 risk-based capital ratio | 7.8903% | 6,806 |
| Total risk-based capital ratio | 9.1125% | 6,808 |
| Memoranda: | ||
| Average total assets | $139,059,670 | 3,970 |
| Average earning assets | $124,813,000 | 4,018 |
| Average equity | $8,183,330 | 5,382 |
| Average total loans | $91,845,670 | 3,677 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 4,365 |
| Cost of funding earning assets | 0.4499% | 4,594 |
| Net interest margin | 3.4805% | 3,780 |
| Noninterest income to average assets | 0.1039% | 6,559 |
| Noninterest expense to average assets | 3.3965% | 1,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1674% | 6,493 |
| Return on assets (ROA) | -0.1674% | 6,537 |
| Pretax return on assets | -0.1674% | 6,527 |
| Return on Equity (ROE) | -2.7761% | 6,600 |
| Retained earnings to average equity (ytd only) | -2.7761% | 6,166 |
| Net charge-offs to loans | 0.1867% | 2,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -1.3810% | 3,988 |
| Efficiency ratio | 105.1832% | 413 |
| Assets per employee ($millions) | 3.6923% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2860% | 1,433 |
| Loan loss allowance to noncurrent loans | 397.3783% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 3.6264% | 1,155 |
| Noncurrent loans to loans | 0.5753% | 5,009 |
| Net loans and leases to total assets | 64.6466% | 2,595 |
| Net loans and leases to deposits | 69.1013% | 3,627 |
| Net loans and leases to core deposits | 71.7882% | 3,849 |
| Total domestic deposits to total assets | 93.5534% | 95 |
| Equity capital to assets | 5.9156% | 6,832 |
| Core capital (leverage) ratio | 5.3697% | 6,856 |
| Tier 1 risk-based capital ratio | 7.8216% | 6,862 |
| Total risk-based capital ratio | 9.0883% | 6,861 |
| Memoranda: | ||
| Average total assets | $138,614,500 | 4,010 |
| Average earning assets | $124,465,500 | 4,055 |
| Average equity | $8,357,000 | 5,395 |
| Average total loans | $90,002,000 | 3,749 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5114% | 3,349 |
| Cost of funding earning assets | 0.5913% | 4,428 |
| Net interest margin | 3.9201% | 2,744 |
| Noninterest income to average assets | 0.2971% | 5,340 |
| Noninterest expense to average assets | 3.6490% | 1,508 |
| Loan and lease loss provision to assets | -0.1834% | 6,973 |
| Net operating income to assets | 0.2846% | 5,519 |
| Return on assets (ROA) | 0.4321% | 5,202 |
| Pretax return on assets | 0.4321% | 5,473 |
| Return on Equity (ROE) | 7.1882% | 3,540 |
| Retained earnings to average equity (ytd only) | 7.1882% | 1,480 |
| Net charge-offs to loans | 0.2681% | 3,328 |
| Credit loss provision to net charge-offs | -106.8376% | 6,338 |
| Earnings coverage of net charge-offs (x) | 0.5897% | 5,190 |
| Efficiency ratio | 97.3005% | 651 |
| Assets per employee ($millions) | 3.5108% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4822% | 1,147 |
| Loan loss allowance to noncurrent loans | 397.7941% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 3.9095% | 1,111 |
| Noncurrent loans to loans | 0.6240% | 4,959 |
| Net loans and leases to total assets | 62.0896% | 3,234 |
| Net loans and leases to deposits | 66.7371% | 4,176 |
| Net loans and leases to core deposits | 69.4176% | 4,384 |
| Total domestic deposits to total assets | 93.0362% | 127 |
| Equity capital to assets | 6.1451% | 6,879 |
| Core capital (leverage) ratio | 5.4496% | 6,898 |
| Tier 1 risk-based capital ratio | 8.1862% | 6,904 |
| Total risk-based capital ratio | 9.4495% | 6,906 |
| Memoranda: | ||
| Average total assets | $136,311,200 | 4,017 |
| Average earning assets | $120,074,600 | 4,109 |
| Average equity | $8,194,000 | 5,444 |
| Average total loans | $87,278,200 | 3,818 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 3,198 |
| Cost of funding earning assets | 0.6127% | 4,515 |
| Net interest margin | 3.9875% | 2,550 |
| Noninterest income to average assets | 0.3760% | 4,815 |
| Noninterest expense to average assets | 3.3813% | 2,055 |
| Loan and lease loss provision to assets | -0.2448% | 7,104 |
| Net operating income to assets | 0.7383% | 3,741 |
| Return on assets (ROA) | 0.6815% | 4,263 |
| Pretax return on assets | 0.6815% | 4,917 |
| Return on Equity (ROE) | 11.4016% | 1,819 |
| Retained earnings to average equity (ytd only) | 11.4016% | 630 |
| Net charge-offs to loans | 0.3406% | 2,751 |
| Credit loss provision to net charge-offs | -112.1076% | 6,257 |
| Earnings coverage of net charge-offs (x) | 2.2600% | 4,132 |
| Efficiency ratio | 87.2631% | 1,277 |
| Assets per employee ($millions) | 3.3981% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4917% | 1,218 |
| Loan loss allowance to noncurrent loans | 360.6965% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 4.7975% | 940 |
| Noncurrent loans to loans | 0.6908% | 5,058 |
| Net loans and leases to total assets | 62.6198% | 3,275 |
| Net loans and leases to deposits | 67.3589% | 4,280 |
| Net loans and leases to core deposits | 69.8393% | 4,515 |
| Total domestic deposits to total assets | 92.9645% | 115 |
| Equity capital to assets | 6.5065% | 6,940 |
| Core capital (leverage) ratio | 5.7625% | 6,965 |
| Tier 1 risk-based capital ratio | 8.1525% | 6,985 |
| Total risk-based capital ratio | 9.4154% | 6,986 |
| Memoranda: | ||
| Average total assets | $136,158,250 | 4,059 |
| Average earning assets | $119,469,000 | 4,165 |
| Average equity | $8,139,000 | 5,514 |
| Average total loans | $87,303,000 | 3,854 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 3,035 |
| Cost of funding earning assets | 0.6344% | 4,584 |
| Net interest margin | 4.0382% | 2,350 |
| Noninterest income to average assets | 0.1938% | 6,171 |
| Noninterest expense to average assets | 3.4440% | 1,924 |
| Loan and lease loss provision to assets | -0.3670% | 7,189 |
| Net operating income to assets | 0.6489% | 4,117 |
| Return on assets (ROA) | 0.5637% | 4,805 |
| Pretax return on assets | 0.5637% | 5,265 |
| Return on Equity (ROE) | 9.7166% | 2,477 |
| Retained earnings to average equity (ytd only) | 9.7166% | 1,050 |
| Net charge-offs to loans | 0.2268% | 3,217 |
| Credit loss provision to net charge-offs | -252.5253% | 6,187 |
| Earnings coverage of net charge-offs (x) | 1.9394% | 4,008 |
| Efficiency ratio | 92.4350% | 901 |
| Assets per employee ($millions) | 3.1560% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6304% | 1,120 |
| Loan loss allowance to noncurrent loans | 429.7196% | 844 |
| Noncurrent assets plus other real estate owned to assets | 5.2795% | 872 |
| Noncurrent loans to loans | 0.6121% | 5,288 |
| Net loans and leases to total assets | 64.2025% | 2,990 |
| Net loans and leases to deposits | 68.9239% | 4,052 |
| Net loans and leases to core deposits | 71.3647% | 4,375 |
| Total domestic deposits to total assets | 93.1498% | 117 |
| Equity capital to assets | 6.2806% | 7,007 |
| Core capital (leverage) ratio | 5.4660% | 7,034 |
| Tier 1 risk-based capital ratio | 7.8027% | 7,051 |
| Total risk-based capital ratio | 9.0674% | 7,053 |
| Memoranda: | ||
| Average total assets | $136,236,000 | 4,069 |
| Average earning assets | $119,162,330 | 4,194 |
| Average equity | $7,904,000 | 5,602 |
| Average total loans | $87,307,000 | 3,874 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6560% | 3,235 |
| Cost of funding earning assets | 0.6509% | 4,727 |
| Net interest margin | 4.0050% | 2,481 |
| Noninterest income to average assets | 0.3216% | 5,300 |
| Noninterest expense to average assets | 3.3401% | 2,169 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4751% | 4,930 |
| Return on assets (ROA) | 0.2984% | 5,829 |
| Pretax return on assets | 0.2984% | 5,981 |
| Return on Equity (ROE) | 5.3552% | 4,607 |
| Retained earnings to average equity (ytd only) | 5.3552% | 3,338 |
| Net charge-offs to loans | -0.0733% | 6,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5475% | 1,329 |
| Assets per employee ($millions) | 3.2385% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0478% | 797 |
| Loan loss allowance to noncurrent loans | 222.9289% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 6.0521% | 775 |
| Noncurrent loans to loans | 1.3672% | 4,069 |
| Net loans and leases to total assets | 62.3016% | 3,191 |
| Net loans and leases to deposits | 66.4299% | 4,314 |
| Net loans and leases to core deposits | 69.5416% | 4,493 |
| Total domestic deposits to total assets | 93.7854% | 101 |
| Equity capital to assets | 5.7543% | 7,092 |
| Core capital (leverage) ratio | 5.1863% | 7,103 |
| Tier 1 risk-based capital ratio | 7.4287% | 7,113 |
| Total risk-based capital ratio | 8.6977% | 7,114 |
| Memoranda: | ||
| Average total assets | $138,078,500 | 4,070 |
| Average earning assets | $120,448,000 | 4,185 |
| Average equity | $7,693,500 | 5,686 |
| Average total loans | $87,260,500 | 3,909 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 3,319 |
| Cost of funding earning assets | 0.9721% | 3,565 |
| Net interest margin | 3.9344% | 3,187 |
| Noninterest income to average assets | -0.0527% | 7,062 |
| Noninterest expense to average assets | 3.5246% | 1,926 |
| Loan and lease loss provision to assets | -0.2115% | 7,307 |
| Net operating income to assets | 0.0612% | 5,939 |
| Return on assets (ROA) | 0.2165% | 5,679 |
| Pretax return on assets | 0.2108% | 5,757 |
| Return on Equity (ROE) | 4.3422% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.3422% | 3,090 |
| Net charge-offs to loans | 0.3243% | 3,768 |
| Credit loss provision to net charge-offs | -98.0198% | 6,700 |
| Earnings coverage of net charge-offs (x) | -0.7228% | 6,146 |
| Efficiency ratio | 104.6300% | 550 |
| Assets per employee ($millions) | 3.3366% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0397% | 784 |
| Loan loss allowance to noncurrent loans | 212.3496% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 6.3944% | 744 |
| Noncurrent loans to loans | 1.4314% | 4,014 |
| Net loans and leases to total assets | 60.2742% | 3,941 |
| Net loans and leases to deposits | 64.0595% | 5,000 |
| Net loans and leases to core deposits | 66.8632% | 5,168 |
| Total domestic deposits to total assets | 94.0908% | 90 |
| Equity capital to assets | 5.3947% | 7,142 |
| Core capital (leverage) ratio | 5.0551% | 7,141 |
| Tier 1 risk-based capital ratio | 7.1985% | 7,148 |
| Total risk-based capital ratio | 8.4674% | 7,149 |
| Memoranda: | ||
| Average total assets | $140,414,000 | 3,968 |
| Average earning assets | $122,101,800 | 4,090 |
| Average equity | $7,001,000 | 5,864 |
| Average total loans | $93,435,600 | 3,774 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9917% | 3,125 |
| Cost of funding earning assets | 1.0477% | 3,333 |
| Net interest margin | 3.9440% | 3,177 |
| Noninterest income to average assets | 0.6985% | 2,619 |
| Noninterest expense to average assets | 4.4702% | 595 |
| Loan and lease loss provision to assets | -0.2819% | 7,396 |
| Net operating income to assets | -0.0560% | 6,230 |
| Return on assets (ROA) | 0.1471% | 5,964 |
| Pretax return on assets | 0.1395% | 6,028 |
| Return on Equity (ROE) | 3.0120% | 5,414 |
| Retained earnings to average equity (ytd only) | 3.0120% | 4,542 |
| Net charge-offs to loans | -0.1922% | 7,258 |
| Credit loss provision to net charge-offs | 216.7883% | 1,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.3755% | 458 |
| Assets per employee ($millions) | 3.2408% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4091% | 608 |
| Loan loss allowance to noncurrent loans | 129.3674% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 7.1160% | 687 |
| Noncurrent loans to loans | 2.6352% | 2,636 |
| Net loans and leases to total assets | 64.2795% | 3,254 |
| Net loans and leases to deposits | 68.4606% | 4,532 |
| Net loans and leases to core deposits | 73.7804% | 4,487 |
| Total domestic deposits to total assets | 93.8927% | 86 |
| Equity capital to assets | 5.5482% | 7,225 |
| Core capital (leverage) ratio | 4.9090% | 7,246 |
| Tier 1 risk-based capital ratio | 6.9147% | 7,252 |
| Total risk-based capital ratio | 8.1877% | 7,250 |
| Memoranda: | ||
| Average total assets | $140,483,000 | 3,983 |
| Average earning assets | $122,040,250 | 4,110 |
| Average equity | $6,861,250 | 5,943 |
| Average total loans | $95,015,750 | 3,781 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9908% | 3,199 |
| Cost of funding earning assets | 1.1141% | 3,135 |
| Net interest margin | 3.8767% | 3,407 |
| Noninterest income to average assets | 0.6933% | 2,592 |
| Noninterest expense to average assets | 4.9838% | 376 |
| Loan and lease loss provision to assets | -0.4185% | 7,475 |
| Net operating income to assets | -0.4932% | 6,683 |
| Return on assets (ROA) | -0.3579% | 6,614 |
| Pretax return on assets | -0.3692% | 6,575 |
| Return on Equity (ROE) | -7.6610% | 6,849 |
| Retained earnings to average equity (ytd only) | -7.6610% | 6,751 |
| Net charge-offs to loans | -0.4622% | 7,394 |
| Credit loss provision to net charge-offs | 133.1839% | 2,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.8552% | 315 |
| Assets per employee ($millions) | 3.2643% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3937% | 651 |
| Loan loss allowance to noncurrent loans | 165.3986% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 6.8792% | 754 |
| Noncurrent loans to loans | 2.0519% | 3,409 |
| Net loans and leases to total assets | 64.3682% | 3,385 |
| Net loans and leases to deposits | 68.1139% | 4,692 |
| Net loans and leases to core deposits | 76.9823% | 4,193 |
| Total domestic deposits to total assets | 94.5008% | 63 |
| Equity capital to assets | 4.9200% | 7,327 |
| Core capital (leverage) ratio | 4.5118% | 7,337 |
| Tier 1 risk-based capital ratio | 6.2589% | 7,352 |
| Total risk-based capital ratio | 7.5323% | 7,354 |
| Memoranda: | ||
| Average total assets | $141,939,000 | 3,995 |
| Average earning assets | $123,145,670 | 4,124 |
| Average equity | $6,631,000 | 6,043 |
| Average total loans | $96,493,670 | 3,785 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9819% | 3,185 |
| Cost of funding earning assets | 1.1711% | 3,012 |
| Net interest margin | 3.8108% | 3,564 |
| Noninterest income to average assets | 0.6110% | 3,087 |
| Noninterest expense to average assets | 6.0900% | 189 |
| Loan and lease loss provision to assets | -0.8324% | 7,554 |
| Net operating income to assets | -1.3228% | 7,141 |
| Return on assets (ROA) | -1.3228% | 7,146 |
| Pretax return on assets | -1.3452% | 7,113 |
| Return on Equity (ROE) | -29.0752% | 7,311 |
| Retained earnings to average equity (ytd only) | -29.0752% | 7,282 |
| Net charge-offs to loans | -1.6004% | 7,505 |
| Credit loss provision to net charge-offs | 75.7653% | 3,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.6590% | 137 |
| Assets per employee ($millions) | 3.6102% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4629% | 626 |
| Loan loss allowance to noncurrent loans | 78.1805% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 8.8715% | 498 |
| Noncurrent loans to loans | 4.4294% | 1,586 |
| Net loans and leases to total assets | 66.1894% | 2,960 |
| Net loans and leases to deposits | 70.9828% | 4,198 |
| Net loans and leases to core deposits | 83.9298% | 3,168 |
| Total domestic deposits to total assets | 93.2471% | 116 |
| Equity capital to assets | 4.4617% | 7,413 |
| Core capital (leverage) ratio | 4.2686% | 7,413 |
| Tier 1 risk-based capital ratio | 5.8156% | 7,431 |
| Total risk-based capital ratio | 7.0889% | 7,434 |
| Memoranda: | ||
| Average total assets | $142,725,500 | 4,018 |
| Average earning assets | $123,648,000 | 4,144 |
| Average equity | $6,493,500 | 6,096 |
| Average total loans | $97,978,000 | 3,777 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2096% | 3,558 |
| Cost of funding earning assets | 1.4723% | 2,808 |
| Net interest margin | 3.7373% | 4,191 |
| Noninterest income to average assets | 0.7621% | 2,475 |
| Noninterest expense to average assets | 4.4502% | 685 |
| Loan and lease loss provision to assets | 1.3631% | 1,110 |
| Net operating income to assets | -1.8062% | 7,002 |
| Return on assets (ROA) | -1.3675% | 6,879 |
| Pretax return on assets | -1.3675% | 6,807 |
| Return on Equity (ROE) | -25.4925% | 7,144 |
| Retained earnings to average equity (ytd only) | -25.4925% | 7,126 |
| Net charge-offs to loans | 2.9180% | 580 |
| Credit loss provision to net charge-offs | 69.2208% | 5,883 |
| Earnings coverage of net charge-offs (x) | -0.2250% | 6,302 |
| Efficiency ratio | 111.0582% | 518 |
| Assets per employee ($millions) | 3.5281% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2670% | 693 |
| Loan loss allowance to noncurrent loans | 65.4575% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 9.7040% | 432 |
| Noncurrent loans to loans | 4.9910% | 1,350 |
| Net loans and leases to total assets | 66.4844% | 3,356 |
| Net loans and leases to deposits | 72.7741% | 4,382 |
| Net loans and leases to core deposits | 88.8687% | 2,922 |
| Total domestic deposits to total assets | 91.3572% | 438 |
| Equity capital to assets | 4.6353% | 7,468 |
| Core capital (leverage) ratio | 4.4643% | 7,461 |
| Tier 1 risk-based capital ratio | 6.0108% | 7,477 |
| Total risk-based capital ratio | 7.2814% | 7,479 |
| Memoranda: | ||
| Average total assets | $157,072,000 | 3,757 |
| Average earning assets | $136,382,000 | 3,889 |
| Average equity | $8,426,000 | 5,576 |
| Average total loans | $105,995,600 | 3,624 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2669% | 3,500 |
| Cost of funding earning assets | 1.5162% | 2,871 |
| Net interest margin | 3.7507% | 4,183 |
| Noninterest income to average assets | 0.8049% | 2,212 |
| Noninterest expense to average assets | 3.8124% | 1,357 |
| Loan and lease loss provision to assets | 1.1029% | 1,316 |
| Net operating income to assets | -0.8507% | 6,816 |
| Return on assets (ROA) | -0.3613% | 6,523 |
| Pretax return on assets | -0.3613% | 6,455 |
| Return on Equity (ROE) | -6.5338% | 6,762 |
| Retained earnings to average equity (ytd only) | -6.5338% | 6,681 |
| Net charge-offs to loans | 2.5405% | 658 |
| Credit loss provision to net charge-offs | 64.6026% | 5,574 |
| Earnings coverage of net charge-offs (x) | 0.1477% | 5,878 |
| Efficiency ratio | 93.7948% | 1,011 |
| Assets per employee ($millions) | 3.6324% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4434% | 564 |
| Loan loss allowance to noncurrent loans | 57.3741% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 10.2613% | 386 |
| Noncurrent loans to loans | 6.0017% | 1,039 |
| Net loans and leases to total assets | 65.4101% | 3,816 |
| Net loans and leases to deposits | 72.6553% | 4,745 |
| Net loans and leases to core deposits | 90.9035% | 2,972 |
| Total domestic deposits to total assets | 90.0281% | 868 |
| Equity capital to assets | 6.0627% | 7,480 |
| Core capital (leverage) ratio | 5.5182% | 7,494 |
| Tier 1 risk-based capital ratio | 7.3564% | 7,531 |
| Total risk-based capital ratio | 8.6289% | 7,529 |
| Memoranda: | ||
| Average total assets | $160,177,000 | 3,749 |
| Average earning assets | $139,204,500 | 3,889 |
| Average equity | $8,856,250 | 5,535 |
| Average total loans | $107,639,750 | 3,644 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3489% | 3,223 |
| Cost of funding earning assets | 1.5505% | 2,955 |
| Net interest margin | 3.7984% | 3,897 |
| Noninterest income to average assets | 0.6540% | 2,992 |
| Noninterest expense to average assets | 3.7065% | 1,548 |
| Loan and lease loss provision to assets | 1.2811% | 1,083 |
| Net operating income to assets | -1.0309% | 6,959 |
| Return on assets (ROA) | -0.6320% | 6,793 |
| Pretax return on assets | -0.6320% | 6,686 |
| Return on Equity (ROE) | -11.7745% | 7,034 |
| Retained earnings to average equity (ytd only) | -11.7745% | 6,992 |
| Net charge-offs to loans | 3.3506% | 447 |
| Credit loss provision to net charge-offs | 57.0342% | 5,283 |
| Earnings coverage of net charge-offs (x) | 0.1114% | 5,610 |
| Efficiency ratio | 93.6787% | 1,082 |
| Assets per employee ($millions) | 3.6211% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2325% | 682 |
| Loan loss allowance to noncurrent loans | 55.5393% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 10.2875% | 380 |
| Noncurrent loans to loans | 5.8202% | 1,112 |
| Net loans and leases to total assets | 64.0501% | 4,255 |
| Net loans and leases to deposits | 70.4733% | 5,211 |
| Net loans and leases to core deposits | 86.5426% | 3,756 |
| Total domestic deposits to total assets | 90.8856% | 534 |
| Equity capital to assets | 5.5526% | 7,585 |
| Core capital (leverage) ratio | 5.0868% | 7,597 |
| Tier 1 risk-based capital ratio | 6.8208% | 7,616 |
| Total risk-based capital ratio | 8.0904% | 7,620 |
| Memoranda: | ||
| Average total assets | $163,926,670 | 3,709 |
| Average earning assets | $142,535,000 | 3,853 |
| Average equity | $8,798,670 | 5,561 |
| Average total loans | $109,890,330 | 3,638 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3162% | 3,465 |
| Cost of funding earning assets | 1.5650% | 3,172 |
| Net interest margin | 3.7511% | 4,001 |
| Noninterest income to average assets | 0.6882% | 2,674 |
| Noninterest expense to average assets | 3.5831% | 1,778 |
| Loan and lease loss provision to assets | 2.7072% | 380 |
| Net operating income to assets | -2.3318% | 7,522 |
| Return on assets (ROA) | -2.1465% | 7,498 |
| Pretax return on assets | -2.1465% | 7,446 |
| Return on Equity (ROE) | -40.6633% | 7,656 |
| Retained earnings to average equity (ytd only) | -40.6633% | 7,640 |
| Net charge-offs to loans | 6.8685% | 144 |
| Credit loss provision to net charge-offs | 58.4416% | 4,330 |
| Earnings coverage of net charge-offs (x) | 0.0810% | 4,962 |
| Efficiency ratio | 90.5167% | 1,390 |
| Assets per employee ($millions) | 3.2371% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1595% | 721 |
| Loan loss allowance to noncurrent loans | 74.2196% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 10.1116% | 390 |
| Noncurrent loans to loans | 4.2569% | 1,797 |
| Net loans and leases to total assets | 64.3870% | 4,246 |
| Net loans and leases to deposits | 70.5080% | 5,265 |
| Net loans and leases to core deposits | 86.3827% | 3,839 |
| Total domestic deposits to total assets | 91.3187% | 434 |
| Equity capital to assets | 5.1472% | 7,708 |
| Core capital (leverage) ratio | 4.7419% | 7,724 |
| Tier 1 risk-based capital ratio | 6.3321% | 7,735 |
| Total risk-based capital ratio | 7.5795% | 7,735 |
| Memoranda: | ||
| Average total assets | $166,225,000 | 3,729 |
| Average earning assets | $144,916,500 | 3,852 |
| Average equity | $8,774,500 | 5,601 |
| Average total loans | $112,105,500 | 3,642 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5123% | 4,080 |
| Cost of funding earning assets | 1.9812% | 3,049 |
| Net interest margin | 3.5310% | 4,813 |
| Noninterest income to average assets | 0.9748% | 1,652 |
| Noninterest expense to average assets | 4.1909% | 1,107 |
| Loan and lease loss provision to assets | 3.1222% | 538 |
| Net operating income to assets | -3.1672% | 7,439 |
| Return on assets (ROA) | -3.1672% | 7,442 |
| Pretax return on assets | -3.1562% | 7,337 |
| Return on Equity (ROE) | -48.0912% | 7,667 |
| Retained earnings to average equity (ytd only) | -48.0912% | 7,660 |
| Net charge-offs to loans | 4.8615% | 283 |
| Credit loss provision to net charge-offs | 86.2278% | 6,127 |
| Earnings coverage of net charge-offs (x) | -0.0094% | 6,214 |
| Efficiency ratio | 92.2975% | 1,542 |
| Assets per employee ($millions) | 3.2807% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6021% | 488 |
| Loan loss allowance to noncurrent loans | 51.5211% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 9.8062% | 380 |
| Noncurrent loans to loans | 6.9915% | 799 |
| Net loans and leases to total assets | 65.8855% | 4,183 |
| Net loans and leases to deposits | 72.2891% | 5,285 |
| Net loans and leases to core deposits | 83.8209% | 5,731 |
| Total domestic deposits to total assets | 91.1416% | 481 |
| Equity capital to assets | 5.4034% | 7,751 |
| Core capital (leverage) ratio | 5.0494% | 7,767 |
| Tier 1 risk-based capital ratio | 6.9543% | 7,753 |
| Total risk-based capital ratio | 8.2365% | 7,755 |
| Memoranda: | ||
| Average total assets | $182,083,400 | 3,408 |
| Average earning assets | $164,088,600 | 3,441 |
| Average equity | $11,991,800 | 4,753 |
| Average total loans | $135,617,000 | 3,160 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5156% | 4,341 |
| Cost of funding earning assets | 2.0565% | 3,087 |
| Net interest margin | 3.4591% | 5,038 |
| Noninterest income to average assets | 0.8751% | 2,084 |
| Noninterest expense to average assets | 3.7082% | 1,802 |
| Loan and lease loss provision to assets | 3.5756% | 361 |
| Net operating income to assets | -3.2886% | 7,650 |
| Return on assets (ROA) | -3.2886% | 7,655 |
| Pretax return on assets | -3.2778% | 7,570 |
| Return on Equity (ROE) | -47.9495% | 7,817 |
| Retained earnings to average equity (ytd only) | -47.9495% | 7,812 |
| Net charge-offs to loans | 4.7140% | 257 |
| Credit loss provision to net charge-offs | 99.9396% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.0832% | 5,967 |
| Efficiency ratio | 92.5679% | 1,492 |
| Assets per employee ($millions) | 3.2979% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0609% | 285 |
| Loan loss allowance to noncurrent loans | 40.8563% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 10.4662% | 315 |
| Noncurrent loans to loans | 9.9394% | 402 |
| Net loans and leases to total assets | 69.0007% | 3,710 |
| Net loans and leases to deposits | 76.2048% | 5,004 |
| Net loans and leases to core deposits | 88.6979% | 5,565 |
| Total domestic deposits to total assets | 90.5464% | 570 |
| Equity capital to assets | 6.0661% | 7,846 |
| Core capital (leverage) ratio | 5.1882% | 7,908 |
| Tier 1 risk-based capital ratio | 7.2259% | 7,875 |
| Total risk-based capital ratio | 8.5094% | 7,873 |
| Memoranda: | ||
| Average total assets | $184,955,250 | 3,387 |
| Average earning assets | $167,400,000 | 3,417 |
| Average equity | $12,685,250 | 4,607 |
| Average total loans | $140,371,750 | 3,110 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5056% | 4,595 |
| Cost of funding earning assets | 2.0910% | 3,314 |
| Net interest margin | 3.4145% | 5,115 |
| Noninterest income to average assets | 1.0120% | 1,555 |
| Noninterest expense to average assets | 3.6964% | 1,846 |
| Loan and lease loss provision to assets | 5.0535% | 199 |
| Net operating income to assets | -4.6309% | 7,907 |
| Return on assets (ROA) | -4.6309% | 7,903 |
| Pretax return on assets | -4.6203% | 7,819 |
| Return on Equity (ROE) | -65.1901% | 8,002 |
| Retained earnings to average equity (ytd only) | -65.1901% | 7,998 |
| Net charge-offs to loans | 2.5692% | 663 |
| Credit loss provision to net charge-offs | 255.0375% | 1,826 |
| Earnings coverage of net charge-offs (x) | 0.2186% | 5,452 |
| Efficiency ratio | 89.5089% | 1,858 |
| Assets per employee ($millions) | 3.4363% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7530% | 87 |
| Loan loss allowance to noncurrent loans | 56.0765% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 9.3273% | 349 |
| Noncurrent loans to loans | 10.2591% | 334 |
| Net loans and leases to total assets | 69.3541% | 3,861 |
| Net loans and leases to deposits | 78.2336% | 4,829 |
| Net loans and leases to core deposits | 90.7539% | 5,475 |
| Total domestic deposits to total assets | 88.6499% | 1,460 |
| Equity capital to assets | 5.5314% | 8,000 |
| Core capital (leverage) ratio | 5.0465% | 8,021 |
| Tier 1 risk-based capital ratio | 6.9688% | 8,011 |
| Total risk-based capital ratio | 8.2820% | 8,013 |
| Memoranda: | ||
| Average total assets | $188,343,330 | 3,356 |
| Average earning assets | $171,971,670 | 3,365 |
| Average equity | $13,379,330 | 4,451 |
| Average total loans | $145,258,330 | 3,068 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6010% | 4,349 |
| Cost of funding earning assets | 2.1448% | 3,441 |
| Net interest margin | 3.4563% | 4,908 |
| Noninterest income to average assets | 1.1318% | 1,153 |
| Noninterest expense to average assets | 3.4933% | 2,117 |
| Loan and lease loss provision to assets | 0.3191% | 3,421 |
| Net operating income to assets | 0.4766% | 4,534 |
| Return on assets (ROA) | 0.4766% | 4,723 |
| Pretax return on assets | 0.4872% | 5,115 |
| Return on Equity (ROE) | 6.0369% | 4,024 |
| Retained earnings to average equity (ytd only) | 6.0369% | 2,606 |
| Net charge-offs to loans | 1.9521% | 741 |
| Credit loss provision to net charge-offs | 20.7182% | 5,066 |
| Earnings coverage of net charge-offs (x) | 0.5235% | 4,572 |
| Efficiency ratio | 81.2469% | 2,649 |
| Assets per employee ($millions) | 3.3558% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1525% | 425 |
| Loan loss allowance to noncurrent loans | 36.7304% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 7.8816% | 382 |
| Noncurrent loans to loans | 8.5829% | 391 |
| Net loans and leases to total assets | 75.4657% | 2,399 |
| Net loans and leases to deposits | 87.8073% | 3,317 |
| Net loans and leases to core deposits | 106.7685% | 3,823 |
| Total domestic deposits to total assets | 85.9446% | 2,757 |
| Equity capital to assets | 8.0907% | 6,685 |
| Core capital (leverage) ratio | 7.4896% | 7,169 |
| Tier 1 risk-based capital ratio | 9.8959% | 7,043 |
| Total risk-based capital ratio | 11.1697% | 6,910 |
| Memoranda: | ||
| Average total assets | $188,018,000 | 3,381 |
| Average earning assets | $172,325,000 | 3,381 |
| Average equity | $14,842,000 | 4,166 |
| Average total loans | $148,349,500 | 3,032 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3139% | 3,886 |
| Cost of funding earning assets | 2.7147% | 3,093 |
| Net interest margin | 3.5992% | 4,894 |
| Noninterest income to average assets | 0.8360% | 2,318 |
| Noninterest expense to average assets | 3.5908% | 2,173 |
| Loan and lease loss provision to assets | 2.8438% | 330 |
| Net operating income to assets | -2.3042% | 7,659 |
| Return on assets (ROA) | -2.3017% | 7,625 |
| Pretax return on assets | -2.2992% | 7,535 |
| Return on Equity (ROE) | -27.0903% | 7,907 |
| Retained earnings to average equity (ytd only) | -27.8343% | 7,867 |
| Net charge-offs to loans | 3.0245% | 291 |
| Credit loss provision to net charge-offs | 113.9643% | 4,738 |
| Earnings coverage of net charge-offs (x) | 0.2173% | 6,104 |
| Efficiency ratio | 86.8820% | 1,772 |
| Assets per employee ($millions) | 3.2452% | 5,349 |
| Cash dividends to net income (ytd only)* | -2.7466% | 7,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3412% | 322 |
| Loan loss allowance to noncurrent loans | 36.3585% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 7.4896% | 324 |
| Noncurrent loans to loans | 9.1897% | 248 |
| Net loans and leases to total assets | 77.1782% | 2,336 |
| Net loans and leases to deposits | 89.3194% | 3,572 |
| Net loans and leases to core deposits | 107.6586% | 4,004 |
| Total domestic deposits to total assets | 86.4070% | 2,214 |
| Equity capital to assets | 7.7042% | 7,198 |
| Core capital (leverage) ratio | 7.2091% | 7,518 |
| Tier 1 risk-based capital ratio | 9.3086% | 7,513 |
| Total risk-based capital ratio | 10.5857% | 7,410 |
| Memoranda: | ||
| Average total assets | $197,725,200 | 3,170 |
| Average earning assets | $181,123,200 | 3,171 |
| Average equity | $16,799,400 | 3,774 |
| Average total loans | $163,134,800 | 2,728 |