Home > Citizens State Bank of Loyal > Performance and Condition Ratios
Citizens State Bank of Loyal, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 3,860 |
| Cost of funding earning assets | 1.4661% | 2,029 |
| Net interest margin | 2.6007% | 3,961 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.1243% | 3,340 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.6007% | 3,442 |
| Return on assets (ROA) | 0.6261% | 3,353 |
| Pretax return on assets | 0.6998% | 3,437 |
| Return on Equity (ROE) | 7.1100% | 3,255 |
| Retained earnings to average equity (ytd only) | 3.7929% | 3,032 |
| Net charge-offs to loans | 0.0007% | 2,868 |
| Credit loss provision to net charge-offs | 12,800.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,959.0000% | 78 |
| Efficiency ratio | 74.8136% | 1,366 |
| Assets per employee ($millions) | 7.9704% | 1,452 |
| Cash dividends to net income (ytd only)* | 46.6472% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 1,390 |
| Loan loss allowance to noncurrent loans | 1,729.6000% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 3,313 |
| Noncurrent loans to loans | 0.0811% | 3,145 |
| Net loans and leases to total assets | 52.9800% | 3,415 |
| Net loans and leases to deposits | 66.5044% | 3,137 |
| Net loans and leases to core deposits | 69.3978% | 3,342 |
| Total domestic deposits to total assets | 79.6700% | 3,515 |
| Equity capital to assets | 9.0567% | 2,635 |
| Core capital (leverage) ratio | 11.0777% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4253% | 1,196 |
| Memoranda: | ||
| Average total assets | $273,924,400 | 2,560 |
| Average earning assets | $252,776,200 | 2,553 |
| Average equity | $24,124,000 | 2,571 |
| Average total loans | $144,239,800 | 2,725 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 3,899 |
| Cost of funding earning assets | 1.3586% | 1,983 |
| Net interest margin | 2.6130% | 4,012 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.2314% | 2,989 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.5312% | 3,700 |
| Return on assets (ROA) | 0.5670% | 3,612 |
| Pretax return on assets | 0.6108% | 3,719 |
| Return on Equity (ROE) | 6.4900% | 3,548 |
| Retained earnings to average equity (ytd only) | 4.2324% | 3,195 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.3466% | 986 |
| Assets per employee ($millions) | 6.5309% | 2,308 |
| Cash dividends to net income (ytd only)* | 34.7524% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 1,391 |
| Loan loss allowance to noncurrent loans | 2,733.3333% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 3,521 |
| Noncurrent loans to loans | 0.0518% | 3,386 |
| Net loans and leases to total assets | 54.1500% | 3,349 |
| Net loans and leases to deposits | 66.0135% | 3,124 |
| Net loans and leases to core deposits | 68.4768% | 3,296 |
| Total domestic deposits to total assets | 82.0300% | 3,204 |
| Equity capital to assets | 7.9859% | 3,068 |
| Core capital (leverage) ratio | 11.2825% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3090% | 1,243 |
| Memoranda: | ||
| Average total assets | $270,671,500 | 2,576 |
| Average earning assets | $249,666,000 | 2,578 |
| Average equity | $23,658,250 | 2,588 |
| Average total loans | $141,752,500 | 2,752 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8435% | 3,964 |
| Cost of funding earning assets | 1.2279% | 1,910 |
| Net interest margin | 2.6156% | 4,094 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.2363% | 2,978 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.5295% | 3,748 |
| Return on assets (ROA) | 0.5834% | 3,626 |
| Pretax return on assets | 0.6287% | 3,743 |
| Return on Equity (ROE) | 6.4800% | 3,579 |
| Retained earnings to average equity (ytd only) | 3.1845% | 3,423 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.4227% | 969 |
| Assets per employee ($millions) | 6.5919% | 2,221 |
| Cash dividends to net income (ytd only)* | 50.8906% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 1,327 |
| Loan loss allowance to noncurrent loans | 2,572.8395% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,489 |
| Noncurrent loans to loans | 0.0566% | 3,293 |
| Net loans and leases to total assets | 52.2000% | 3,395 |
| Net loans and leases to deposits | 63.0443% | 3,251 |
| Net loans and leases to core deposits | 63.8403% | 3,460 |
| Total domestic deposits to total assets | 82.7900% | 3,092 |
| Equity capital to assets | 8.9353% | 2,559 |
| Core capital (leverage) ratio | 11.4231% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6301% | 1,184 |
| Memoranda: | ||
| Average total assets | $269,463,000 | 2,592 |
| Average earning assets | $248,886,667 | 2,588 |
| Average equity | $24,242,667 | 2,555 |
| Average total loans | $138,782,333 | 2,785 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7119% | 4,003 |
| Cost of funding earning assets | 1.1176% | 1,705 |
| Net interest margin | 2.5943% | 4,213 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.2240% | 3,032 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.5032% | 3,892 |
| Return on assets (ROA) | 0.6110% | 3,628 |
| Pretax return on assets | 0.6586% | 3,743 |
| Return on Equity (ROE) | 6.7700% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.7684% | 2,563 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.1116% | 895 |
| Assets per employee ($millions) | 6.2503% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 1,284 |
| Loan loss allowance to noncurrent loans | 1,340.9091% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 3,217 |
| Noncurrent loans to loans | 0.1113% | 2,961 |
| Net loans and leases to total assets | 50.6900% | 3,442 |
| Net loans and leases to deposits | 60.1552% | 3,325 |
| Net loans and leases to core deposits | 60.6167% | 3,511 |
| Total domestic deposits to total assets | 84.2700% | 3,037 |
| Equity capital to assets | 9.3554% | 2,255 |
| Core capital (leverage) ratio | 11.5516% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9739% | 1,156 |
| Memoranda: | ||
| Average total assets | $269,061,500 | 2,621 |
| Average earning assets | $248,392,500 | 2,624 |
| Average equity | $24,289,500 | 2,580 |
| Average total loans | $136,597,500 | 2,832 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2880% | 3,613 |
| Cost of funding earning assets | 0.4872% | 1,489 |
| Net interest margin | 2.8009% | 3,891 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.0243% | 3,519 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8841% | 3,027 |
| Return on assets (ROA) | 0.9283% | 2,794 |
| Pretax return on assets | 1.0827% | 2,827 |
| Return on Equity (ROE) | 10.2300% | 2,740 |
| Retained earnings to average equity (ytd only) | 3.0567% | 3,701 |
| Net charge-offs to loans | 0.0123% | 1,927 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 178.2500% | 704 |
| Efficiency ratio | 66.2485% | 2,201 |
| Assets per employee ($millions) | 6.5697% | 2,279 |
| Cash dividends to net income (ytd only)* | 70.1208% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 1,085 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 49.3000% | 3,561 |
| Net loans and leases to deposits | 56.8090% | 3,527 |
| Net loans and leases to core deposits | 57.1672% | 3,664 |
| Total domestic deposits to total assets | 86.7900% | 2,462 |
| Equity capital to assets | 8.7003% | 2,560 |
| Core capital (leverage) ratio | 11.3615% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7909% | 1,163 |
| Memoranda: | ||
| Average total assets | $276,539,400 | 2,568 |
| Average earning assets | $256,383,800 | 2,567 |
| Average equity | $25,092,600 | 2,577 |
| Average total loans | $130,271,800 | 2,824 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1677% | 3,516 |
| Cost of funding earning assets | 0.3927% | 1,342 |
| Net interest margin | 2.7750% | 3,788 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.0057% | 3,472 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8832% | 2,951 |
| Return on assets (ROA) | 0.9351% | 2,703 |
| Pretax return on assets | 1.0917% | 2,751 |
| Return on Equity (ROE) | 10.2000% | 2,662 |
| Retained earnings to average equity (ytd only) | 3.4081% | 3,663 |
| Net charge-offs to loans | 0.0114% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 195.7273% | 630 |
| Efficiency ratio | 66.0410% | 2,275 |
| Assets per employee ($millions) | 6.0980% | 2,677 |
| Cash dividends to net income (ytd only)* | 66.5984% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 1,065 |
| Loan loss allowance to noncurrent loans | 209,200.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,046 |
| Noncurrent loans to loans | 0.0008% | 3,982 |
| Net loans and leases to total assets | 49.1400% | 3,520 |
| Net loans and leases to deposits | 55.3382% | 3,531 |
| Net loans and leases to core deposits | 55.6876% | 3,644 |
| Total domestic deposits to total assets | 88.8000% | 2,163 |
| Equity capital to assets | 8.1209% | 2,824 |
| Core capital (leverage) ratio | 11.1154% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9701% | 1,182 |
| Memoranda: | ||
| Average total assets | $278,334,750 | 2,577 |
| Average earning assets | $258,350,500 | 2,582 |
| Average equity | $25,507,000 | 2,597 |
| Average total loans | $129,117,000 | 2,839 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9832% | 3,596 |
| Cost of funding earning assets | 0.3282% | 1,454 |
| Net interest margin | 2.6550% | 3,805 |
| Noninterest income to average assets | 0.4674% | 2,360 |
| Noninterest expense to average assets | 1.9788% | 3,489 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8224% | 2,877 |
| Return on assets (ROA) | 0.8988% | 2,560 |
| Pretax return on assets | 1.0468% | 2,580 |
| Return on Equity (ROE) | 9.4756% | 2,531 |
| Retained earnings to average equity (ytd only) | 3.5301% | 3,260 |
| Net charge-offs to loans | 0.0156% | 1,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 135.9000% | 690 |
| Efficiency ratio | 67.3788% | 2,324 |
| Assets per employee ($millions) | 6.1530% | 2,611 |
| Cash dividends to net income (ytd only)* | 62.7451% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 1,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 44.8025% | 3,769 |
| Net loans and leases to deposits | 50.6647% | 3,775 |
| Net loans and leases to core deposits | 50.9674% | 3,877 |
| Total domestic deposits to total assets | 88.4295% | 2,414 |
| Equity capital to assets | 8.6618% | 2,645 |
| Core capital (leverage) ratio | 10.7001% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2857% | 1,126 |
| Memoranda: | ||
| Average total assets | $283,708,667 | 2,570 |
| Average earning assets | $263,878,000 | 2,579 |
| Average equity | $26,911,333 | 2,589 |
| Average total loans | $128,506,667 | 2,862 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8079% | 3,733 |
| Cost of funding earning assets | 0.3010% | 1,650 |
| Net interest margin | 2.5069% | 3,897 |
| Noninterest income to average assets | 0.4667% | 2,317 |
| Noninterest expense to average assets | 1.9643% | 3,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7170% | 2,995 |
| Return on assets (ROA) | 0.8679% | 2,414 |
| Pretax return on assets | 1.0100% | 2,405 |
| Return on Equity (ROE) | 8.7822% | 2,397 |
| Retained earnings to average equity (ytd only) | 8.7822% | 1,334 |
| Net charge-offs to loans | 0.0185% | 1,158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 99.8333% | 676 |
| Efficiency ratio | 70.1842% | 2,202 |
| Assets per employee ($millions) | 6.5696% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 1,111 |
| Loan loss allowance to noncurrent loans | 3,812.7273% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,861 |
| Noncurrent loans to loans | 0.0437% | 3,668 |
| Net loans and leases to total assets | 43.8278% | 3,750 |
| Net loans and leases to deposits | 50.9033% | 3,655 |
| Net loans and leases to core deposits | 51.2081% | 3,789 |
| Total domestic deposits to total assets | 86.1002% | 3,225 |
| Equity capital to assets | 9.3018% | 2,438 |
| Core capital (leverage) ratio | 10.5969% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6926% | 1,106 |
| Memoranda: | ||
| Average total assets | $287,121,000 | 2,568 |
| Average earning assets | $267,107,500 | 2,570 |
| Average equity | $28,375,500 | 2,577 |
| Average total loans | $129,688,000 | 2,850 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0650% | 3,752 |
| Cost of funding earning assets | 0.3273% | 2,139 |
| Net interest margin | 2.7376% | 3,802 |
| Noninterest income to average assets | 0.5748% | 2,258 |
| Noninterest expense to average assets | 2.0043% | 3,660 |
| Loan and lease loss provision to assets | 0.0326% | 2,395 |
| Net operating income to assets | 0.9350% | 2,922 |
| Return on assets (ROA) | 0.9489% | 2,946 |
| Pretax return on assets | 1.1137% | 2,921 |
| Return on Equity (ROE) | 8.6857% | 3,021 |
| Retained earnings to average equity (ytd only) | 5.7020% | 2,474 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9473% | 2,575 |
| Assets per employee ($millions) | 6.7848% | 2,081 |
| Cash dividends to net income (ytd only)* | 34.3511% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5757% | 1,317 |
| Loan loss allowance to noncurrent loans | 3,689.4737% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,940 |
| Noncurrent loans to loans | 0.0427% | 3,770 |
| Net loans and leases to total assets | 45.0269% | 3,764 |
| Net loans and leases to deposits | 52.9365% | 3,669 |
| Net loans and leases to core deposits | 53.3018% | 3,807 |
| Total domestic deposits to total assets | 85.0583% | 3,253 |
| Equity capital to assets | 10.4453% | 2,226 |
| Core capital (leverage) ratio | 10.7410% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3328% | 1,188 |
| Memoranda: | ||
| Average total assets | $276,110,200 | 2,564 |
| Average earning assets | $258,141,800 | 2,563 |
| Average equity | $30,164,600 | 2,523 |
| Average total loans | $131,343,400 | 2,839 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1608% | 3,678 |
| Cost of funding earning assets | 0.3358% | 2,243 |
| Net interest margin | 2.8250% | 3,722 |
| Noninterest income to average assets | 0.5956% | 2,231 |
| Noninterest expense to average assets | 2.0210% | 3,607 |
| Loan and lease loss provision to assets | 0.0441% | 2,116 |
| Net operating income to assets | 0.9910% | 2,945 |
| Return on assets (ROA) | 1.0095% | 2,935 |
| Pretax return on assets | 1.1981% | 2,938 |
| Return on Equity (ROE) | 9.1332% | 3,067 |
| Retained earnings to average equity (ytd only) | 7.3606% | 2,287 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3545% | 2,638 |
| Assets per employee ($millions) | 6.0169% | 2,679 |
| Cash dividends to net income (ytd only)* | 19.4081% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5988% | 1,342 |
| Loan loss allowance to noncurrent loans | 759.2058% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 3,432 |
| Noncurrent loans to loans | 0.2106% | 3,109 |
| Net loans and leases to total assets | 46.7654% | 3,733 |
| Net loans and leases to deposits | 55.5391% | 3,619 |
| Net loans and leases to core deposits | 55.9464% | 3,774 |
| Total domestic deposits to total assets | 84.2028% | 3,404 |
| Equity capital to assets | 11.0172% | 2,003 |
| Core capital (leverage) ratio | 10.8423% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2490% | 1,090 |
| Memoranda: | ||
| Average total assets | $272,200,750 | 2,608 |
| Average earning assets | $254,904,750 | 2,607 |
| Average equity | $30,087,250 | 2,559 |
| Average total loans | $130,812,250 | 2,880 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3014% | 3,417 |
| Cost of funding earning assets | 0.3410% | 2,394 |
| Net interest margin | 2.9604% | 3,422 |
| Noninterest income to average assets | 0.6177% | 2,137 |
| Noninterest expense to average assets | 2.0142% | 3,661 |
| Loan and lease loss provision to assets | 0.0443% | 2,128 |
| Net operating income to assets | 1.1022% | 2,539 |
| Return on assets (ROA) | 1.1298% | 2,506 |
| Pretax return on assets | 1.3633% | 2,429 |
| Return on Equity (ROE) | 10.2097% | 2,674 |
| Retained earnings to average equity (ytd only) | 7.5387% | 2,234 |
| Net charge-offs to loans | -0.0015% | 3,138 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4418% | 3,090 |
| Assets per employee ($millions) | 6.2959% | 2,333 |
| Cash dividends to net income (ytd only)* | 26.1609% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 1,317 |
| Loan loss allowance to noncurrent loans | 364.4991% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 2,916 |
| Noncurrent loans to loans | 0.4345% | 2,371 |
| Net loans and leases to total assets | 46.5241% | 3,866 |
| Net loans and leases to deposits | 55.1967% | 3,772 |
| Net loans and leases to core deposits | 55.5991% | 3,921 |
| Total domestic deposits to total assets | 84.2878% | 3,343 |
| Equity capital to assets | 10.9674% | 2,005 |
| Core capital (leverage) ratio | 10.8059% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5242% | 1,031 |
| Memoranda: | ||
| Average total assets | $270,675,333 | 2,608 |
| Average earning assets | $253,345,667 | 2,606 |
| Average equity | $29,952,000 | 2,559 |
| Average total loans | $130,570,000 | 2,895 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3578% | 3,320 |
| Cost of funding earning assets | 0.3567% | 2,473 |
| Net interest margin | 3.0010% | 3,253 |
| Noninterest income to average assets | 0.6445% | 2,050 |
| Noninterest expense to average assets | 2.0531% | 3,553 |
| Loan and lease loss provision to assets | 0.0449% | 2,172 |
| Net operating income to assets | 1.1909% | 2,181 |
| Return on assets (ROA) | 1.2501% | 2,057 |
| Pretax return on assets | 1.4190% | 2,233 |
| Return on Equity (ROE) | 11.2453% | 2,290 |
| Retained earnings to average equity (ytd only) | 11.2453% | 1,335 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5145% | 3,086 |
| Assets per employee ($millions) | 5.9693% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5600% | 1,396 |
| Loan loss allowance to noncurrent loans | 358.4211% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 3,098 |
| Noncurrent loans to loans | 0.4352% | 2,552 |
| Net loans and leases to total assets | 47.9942% | 3,822 |
| Net loans and leases to deposits | 56.8818% | 3,728 |
| Net loans and leases to core deposits | 57.3073% | 3,887 |
| Total domestic deposits to total assets | 84.3753% | 3,318 |
| Equity capital to assets | 11.0874% | 1,799 |
| Core capital (leverage) ratio | 11.0359% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6725% | 972 |
| Memoranda: | ||
| Average total assets | $267,503,000 | 2,615 |
| Average earning assets | $250,047,500 | 2,611 |
| Average equity | $29,737,000 | 2,564 |
| Average total loans | $130,377,500 | 2,897 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6772% | 3,637 |
| Cost of funding earning assets | 0.5110% | 2,879 |
| Net interest margin | 3.1662% | 3,447 |
| Noninterest income to average assets | 0.6985% | 1,866 |
| Noninterest expense to average assets | 2.3352% | 3,308 |
| Loan and lease loss provision to assets | 0.0514% | 3,734 |
| Net operating income to assets | 1.0695% | 2,029 |
| Return on assets (ROA) | 1.0881% | 2,093 |
| Pretax return on assets | 1.2732% | 2,071 |
| Return on Equity (ROE) | 8.7354% | 2,505 |
| Retained earnings to average equity (ytd only) | 4.6068% | 2,478 |
| Net charge-offs to loans | -0.0105% | 4,267 |
| Credit loss provision to net charge-offs | -857.1429% | 4,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1890% | 2,792 |
| Assets per employee ($millions) | 6.0542% | 2,296 |
| Cash dividends to net income (ytd only)* | 47.2627% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 1,424 |
| Loan loss allowance to noncurrent loans | 351.9231% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 3,221 |
| Noncurrent loans to loans | 0.4407% | 2,653 |
| Net loans and leases to total assets | 47.9669% | 3,977 |
| Net loans and leases to deposits | 56.9016% | 3,951 |
| Net loans and leases to core deposits | 57.3294% | 4,081 |
| Total domestic deposits to total assets | 84.2980% | 3,015 |
| Equity capital to assets | 11.1459% | 2,136 |
| Core capital (leverage) ratio | 11.0677% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2310% | 1,013 |
| Memoranda: | ||
| Average total assets | $233,342,600 | 2,695 |
| Average earning assets | $216,633,400 | 2,696 |
| Average equity | $29,065,800 | 2,529 |
| Average total loans | $132,986,400 | 2,829 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9184% | 3,194 |
| Cost of funding earning assets | 0.5519% | 2,913 |
| Net interest margin | 3.3665% | 3,004 |
| Noninterest income to average assets | 0.6948% | 1,817 |
| Noninterest expense to average assets | 2.4109% | 3,098 |
| Loan and lease loss provision to assets | 0.0533% | 3,681 |
| Net operating income to assets | 1.1439% | 1,842 |
| Return on assets (ROA) | 1.1693% | 1,869 |
| Pretax return on assets | 1.3861% | 1,782 |
| Return on Equity (ROE) | 9.1040% | 2,353 |
| Retained earnings to average equity (ytd only) | 7.2593% | 1,598 |
| Net charge-offs to loans | -0.0130% | 4,292 |
| Credit loss provision to net charge-offs | -692.3077% | 3,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1106% | 2,898 |
| Assets per employee ($millions) | 5.5463% | 2,665 |
| Cash dividends to net income (ytd only)* | 20.2634% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 1,680 |
| Loan loss allowance to noncurrent loans | 330.3333% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 3,237 |
| Noncurrent loans to loans | 0.4280% | 2,773 |
| Net loans and leases to total assets | 55.3760% | 3,676 |
| Net loans and leases to deposits | 66.6620% | 3,564 |
| Net loans and leases to core deposits | 67.0429% | 3,821 |
| Total domestic deposits to total assets | 83.0698% | 3,131 |
| Equity capital to assets | 11.9972% | 1,677 |
| Core capital (leverage) ratio | 11.9188% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4648% | 977 |
| Memoranda: | ||
| Average total assets | $225,081,750 | 2,735 |
| Average earning assets | $208,957,000 | 2,737 |
| Average equity | $28,909,500 | 2,537 |
| Average total loans | $133,785,500 | 2,829 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 2,546 |
| Cost of funding earning assets | 0.6184% | 2,876 |
| Net interest margin | 3.6514% | 2,312 |
| Noninterest income to average assets | 0.6934% | 1,761 |
| Noninterest expense to average assets | 2.5715% | 2,762 |
| Loan and lease loss provision to assets | 0.0553% | 3,609 |
| Net operating income to assets | 1.2071% | 1,620 |
| Return on assets (ROA) | 1.2466% | 1,622 |
| Pretax return on assets | 1.4891% | 1,481 |
| Return on Equity (ROE) | 9.4661% | 2,169 |
| Retained earnings to average equity (ytd only) | 6.6655% | 1,791 |
| Net charge-offs to loans | -0.0197% | 4,400 |
| Credit loss provision to net charge-offs | -461.5385% | 3,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1996% | 2,927 |
| Assets per employee ($millions) | 5.1148% | 3,042 |
| Cash dividends to net income (ytd only)* | 29.5858% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 1,382 |
| Loan loss allowance to noncurrent loans | 317.3984% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 3,264 |
| Noncurrent loans to loans | 0.4597% | 2,765 |
| Net loans and leases to total assets | 56.0272% | 3,683 |
| Net loans and leases to deposits | 68.1850% | 3,546 |
| Net loans and leases to core deposits | 68.6012% | 3,824 |
| Total domestic deposits to total assets | 82.1695% | 3,326 |
| Equity capital to assets | 12.4710% | 1,388 |
| Core capital (leverage) ratio | 12.6199% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9913% | 907 |
| Memoranda: | ||
| Average total assets | $216,914,667 | 2,780 |
| Average earning assets | $200,528,000 | 2,777 |
| Average equity | $28,565,000 | 2,542 |
| Average total loans | $131,650,333 | 2,845 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 3,092 |
| Cost of funding earning assets | 0.7795% | 2,501 |
| Net interest margin | 3.4615% | 3,111 |
| Noninterest income to average assets | 0.6239% | 1,932 |
| Noninterest expense to average assets | 2.6149% | 2,937 |
| Loan and lease loss provision to assets | 0.0578% | 3,038 |
| Net operating income to assets | 0.9778% | 2,256 |
| Return on assets (ROA) | 1.0225% | 2,205 |
| Pretax return on assets | 1.1842% | 2,252 |
| Return on Equity (ROE) | 7.5382% | 2,720 |
| Retained earnings to average equity (ytd only) | 7.5382% | 1,366 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7247% | 2,553 |
| Assets per employee ($millions) | 4.4163% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 1,397 |
| Loan loss allowance to noncurrent loans | 271.1648% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 3,088 |
| Noncurrent loans to loans | 0.5468% | 2,628 |
| Net loans and leases to total assets | 61.1116% | 3,387 |
| Net loans and leases to deposits | 74.1635% | 3,254 |
| Net loans and leases to core deposits | 74.6739% | 3,592 |
| Total domestic deposits to total assets | 82.4013% | 3,296 |
| Equity capital to assets | 13.7118% | 1,149 |
| Core capital (leverage) ratio | 13.5376% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4896% | 1,070 |
| Memoranda: | ||
| Average total assets | $207,731,000 | 2,812 |
| Average earning assets | $190,902,000 | 2,824 |
| Average equity | $28,176,500 | 2,564 |
| Average total loans | $130,588,500 | 2,826 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 3,390 |
| Cost of funding earning assets | 1.0080% | 1,691 |
| Net interest margin | 3.3426% | 3,889 |
| Noninterest income to average assets | 0.7663% | 1,560 |
| Noninterest expense to average assets | 2.8267% | 2,511 |
| Loan and lease loss provision to assets | 0.0483% | 3,060 |
| Net operating income to assets | 0.8437% | 3,408 |
| Return on assets (ROA) | 1.0582% | 2,719 |
| Pretax return on assets | 1.2242% | 2,750 |
| Return on Equity (ROE) | 8.0977% | 3,126 |
| Retained earnings to average equity (ytd only) | 5.1437% | 2,344 |
| Net charge-offs to loans | 0.0170% | 3,106 |
| Credit loss provision to net charge-offs | 454.5455% | 638 |
| Earnings coverage of net charge-offs (x) | 96.3636% | 700 |
| Efficiency ratio | 73.4269% | 1,667 |
| Assets per employee ($millions) | 4.5195% | 3,192 |
| Cash dividends to net income (ytd only)* | 36.4797% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,457 |
| Loan loss allowance to noncurrent loans | 275.5132% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 3,106 |
| Noncurrent loans to loans | 0.5150% | 2,640 |
| Net loans and leases to total assets | 62.7920% | 3,330 |
| Net loans and leases to deposits | 75.8987% | 3,194 |
| Net loans and leases to core deposits | 76.5957% | 3,539 |
| Total domestic deposits to total assets | 82.7313% | 3,296 |
| Equity capital to assets | 13.4163% | 1,321 |
| Core capital (leverage) ratio | 13.3035% | 1,114 |
| Tier 1 risk-based capital ratio | 16.7255% | 2,147 |
| Total risk-based capital ratio | 17.8794% | 2,112 |
| Memoranda: | ||
| Average total assets | $207,235,600 | 2,783 |
| Average earning assets | $191,170,600 | 2,786 |
| Average equity | $27,081,600 | 2,557 |
| Average total loans | $129,575,000 | 2,823 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3557% | 3,495 |
| Cost of funding earning assets | 1.0514% | 1,532 |
| Net interest margin | 3.3043% | 4,085 |
| Noninterest income to average assets | 0.7933% | 1,438 |
| Noninterest expense to average assets | 2.8698% | 2,344 |
| Loan and lease loss provision to assets | 0.0451% | 3,003 |
| Net operating income to assets | 0.8086% | 3,653 |
| Return on assets (ROA) | 1.0804% | 2,743 |
| Pretax return on assets | 1.2543% | 2,807 |
| Return on Equity (ROE) | 8.3235% | 3,187 |
| Retained earnings to average equity (ytd only) | 6.3394% | 2,203 |
| Net charge-offs to loans | 0.0248% | 2,605 |
| Credit loss provision to net charge-offs | 291.6667% | 966 |
| Earnings coverage of net charge-offs (x) | 63.6234% | 1,025 |
| Efficiency ratio | 74.4820% | 1,498 |
| Assets per employee ($millions) | 4.3231% | 3,449 |
| Cash dividends to net income (ytd only)* | 23.8379% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 1,558 |
| Loan loss allowance to noncurrent loans | 227.7435% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 2,853 |
| Noncurrent loans to loans | 0.6166% | 2,431 |
| Net loans and leases to total assets | 62.4902% | 3,443 |
| Net loans and leases to deposits | 75.5839% | 3,337 |
| Net loans and leases to core deposits | 77.7040% | 3,577 |
| Total domestic deposits to total assets | 82.6766% | 3,256 |
| Equity capital to assets | 13.3834% | 1,413 |
| Core capital (leverage) ratio | 13.2031% | 1,255 |
| Tier 1 risk-based capital ratio | 16.7185% | 2,179 |
| Total risk-based capital ratio | 17.8571% | 2,157 |
| Memoranda: | ||
| Average total assets | $207,070,500 | 2,803 |
| Average earning assets | $191,744,500 | 2,800 |
| Average equity | $26,879,000 | 2,582 |
| Average total loans | $128,863,500 | 2,870 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3454% | 3,503 |
| Cost of funding earning assets | 1.0702% | 1,418 |
| Net interest margin | 3.2752% | 4,189 |
| Noninterest income to average assets | 0.8883% | 1,096 |
| Noninterest expense to average assets | 3.0378% | 1,894 |
| Loan and lease loss provision to assets | 0.0387% | 3,042 |
| Net operating income to assets | 0.7246% | 3,919 |
| Return on assets (ROA) | 1.1280% | 2,487 |
| Pretax return on assets | 1.3213% | 2,473 |
| Return on Equity (ROE) | 8.7806% | 2,943 |
| Retained earnings to average equity (ytd only) | 5.7710% | 2,388 |
| Net charge-offs to loans | 0.0172% | 2,540 |
| Credit loss provision to net charge-offs | 363.6364% | 785 |
| Earnings coverage of net charge-offs (x) | 83.2727% | 788 |
| Efficiency ratio | 77.4329% | 1,223 |
| Assets per employee ($millions) | 4.3968% | 3,291 |
| Cash dividends to net income (ytd only)* | 34.2759% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 1,563 |
| Loan loss allowance to noncurrent loans | 600.0000% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 4,024 |
| Noncurrent loans to loans | 0.2355% | 3,698 |
| Net loans and leases to total assets | 61.7994% | 3,565 |
| Net loans and leases to deposits | 74.4568% | 3,481 |
| Net loans and leases to core deposits | 75.8601% | 3,743 |
| Total domestic deposits to total assets | 83.0003% | 3,207 |
| Equity capital to assets | 13.1149% | 1,534 |
| Core capital (leverage) ratio | 12.8617% | 1,372 |
| Tier 1 risk-based capital ratio | 16.6903% | 2,179 |
| Total risk-based capital ratio | 17.8381% | 2,157 |
| Memoranda: | ||
| Average total assets | $206,923,670 | 2,811 |
| Average earning assets | $191,744,670 | 2,810 |
| Average equity | $26,581,330 | 2,594 |
| Average total loans | $127,977,670 | 2,896 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 3,566 |
| Cost of funding earning assets | 1.0556% | 1,354 |
| Net interest margin | 3.2419% | 4,300 |
| Noninterest income to average assets | 0.9968% | 816 |
| Noninterest expense to average assets | 2.7277% | 2,818 |
| Loan and lease loss provision to assets | 0.0193% | 3,194 |
| Net operating income to assets | 1.0441% | 2,682 |
| Return on assets (ROA) | 1.8314% | 547 |
| Pretax return on assets | 2.2003% | 452 |
| Return on Equity (ROE) | 14.4067% | 877 |
| Retained earnings to average equity (ytd only) | 14.4067% | 323 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2126% | 2,612 |
| Assets per employee ($millions) | 4.2333% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 1,606 |
| Loan loss allowance to noncurrent loans | 599.6689% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 4,075 |
| Noncurrent loans to loans | 0.2364% | 3,727 |
| Net loans and leases to total assets | 60.7076% | 3,637 |
| Net loans and leases to deposits | 74.5757% | 3,399 |
| Net loans and leases to core deposits | 75.6582% | 3,680 |
| Total domestic deposits to total assets | 81.4040% | 3,881 |
| Equity capital to assets | 13.0139% | 1,445 |
| Core capital (leverage) ratio | 12.9829% | 1,282 |
| Tier 1 risk-based capital ratio | 16.9042% | 2,136 |
| Total risk-based capital ratio | 18.0469% | 2,126 |
| Memoranda: | ||
| Average total assets | $207,060,000 | 2,837 |
| Average earning assets | $191,741,500 | 2,834 |
| Average equity | $26,321,000 | 2,615 |
| Average total loans | $127,197,000 | 2,933 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 3,512 |
| Cost of funding earning assets | 0.8215% | 1,435 |
| Net interest margin | 3.3523% | 4,121 |
| Noninterest income to average assets | 0.7040% | 1,840 |
| Noninterest expense to average assets | 2.6559% | 3,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9857% | 3,076 |
| Return on assets (ROA) | 0.9857% | 3,072 |
| Pretax return on assets | 1.1345% | 3,159 |
| Return on Equity (ROE) | 8.0049% | 3,438 |
| Retained earnings to average equity (ytd only) | 4.8268% | 2,875 |
| Net charge-offs to loans | 0.0049% | 3,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 386.5000% | 262 |
| Efficiency ratio | 70.0697% | 2,174 |
| Assets per employee ($millions) | 4.1338% | 3,704 |
| Cash dividends to net income (ytd only)* | 39.7022% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 1,553 |
| Loan loss allowance to noncurrent loans | 414.9770% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 3,778 |
| Noncurrent loans to loans | 0.3427% | 3,322 |
| Net loans and leases to total assets | 60.4075% | 3,726 |
| Net loans and leases to deposits | 74.9727% | 3,425 |
| Net loans and leases to core deposits | 76.4111% | 3,685 |
| Total domestic deposits to total assets | 80.5727% | 3,981 |
| Equity capital to assets | 12.4086% | 1,629 |
| Core capital (leverage) ratio | 12.6023% | 1,409 |
| Tier 1 risk-based capital ratio | 16.2738% | 2,320 |
| Total risk-based capital ratio | 17.4079% | 2,299 |
| Memoranda: | ||
| Average total assets | $204,415,600 | 2,817 |
| Average earning assets | $188,198,400 | 2,845 |
| Average equity | $25,172,000 | 2,637 |
| Average total loans | $122,412,000 | 2,969 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 3,547 |
| Cost of funding earning assets | 0.7664% | 1,498 |
| Net interest margin | 3.3607% | 4,135 |
| Noninterest income to average assets | 0.7581% | 1,639 |
| Noninterest expense to average assets | 2.6699% | 3,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0112% | 3,037 |
| Return on assets (ROA) | 1.0112% | 3,046 |
| Pretax return on assets | 1.1799% | 3,069 |
| Return on Equity (ROE) | 8.2276% | 3,452 |
| Retained earnings to average equity (ytd only) | 6.0988% | 2,608 |
| Net charge-offs to loans | 0.0011% | 3,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1,808.4737% | 36 |
| Efficiency ratio | 69.3510% | 2,297 |
| Assets per employee ($millions) | 3.8053% | 4,165 |
| Cash dividends to net income (ytd only)* | 25.8732% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 1,526 |
| Loan loss allowance to noncurrent loans | 142.6540% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 2,206 |
| Noncurrent loans to loans | 1.0161% | 1,686 |
| Net loans and leases to total assets | 60.8812% | 3,755 |
| Net loans and leases to deposits | 74.6253% | 3,539 |
| Net loans and leases to core deposits | 75.5217% | 3,835 |
| Total domestic deposits to total assets | 81.5825% | 3,711 |
| Equity capital to assets | 12.5737% | 1,539 |
| Core capital (leverage) ratio | 12.6939% | 1,421 |
| Tier 1 risk-based capital ratio | 16.2396% | 2,361 |
| Total risk-based capital ratio | 17.3775% | 2,342 |
| Memoranda: | ||
| Average total assets | $203,847,500 | 2,844 |
| Average earning assets | $187,536,500 | 2,874 |
| Average equity | $25,053,250 | 2,656 |
| Average total loans | $121,351,000 | 3,007 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 3,622 |
| Cost of funding earning assets | 0.7148% | 1,543 |
| Net interest margin | 3.3304% | 4,158 |
| Noninterest income to average assets | 0.8379% | 1,357 |
| Noninterest expense to average assets | 2.6348% | 3,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0705% | 2,712 |
| Return on assets (ROA) | 1.0705% | 2,714 |
| Pretax return on assets | 1.2641% | 2,651 |
| Return on Equity (ROE) | 8.7771% | 3,131 |
| Retained earnings to average equity (ytd only) | 5.5708% | 2,784 |
| Net charge-offs to loans | 0.0017% | 3,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,293.0000% | 58 |
| Efficiency ratio | 67.5777% | 2,712 |
| Assets per employee ($millions) | 3.8569% | 4,125 |
| Cash dividends to net income (ytd only)* | 36.5297% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,369 |
| Loan loss allowance to noncurrent loans | 417.0901% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 3,437 |
| Noncurrent loans to loans | 0.3619% | 3,400 |
| Net loans and leases to total assets | 57.6493% | 4,027 |
| Net loans and leases to deposits | 70.2089% | 3,836 |
| Net loans and leases to core deposits | 71.0329% | 4,081 |
| Total domestic deposits to total assets | 82.1111% | 3,680 |
| Equity capital to assets | 12.2705% | 1,686 |
| Core capital (leverage) ratio | 12.3909% | 1,493 |
| Tier 1 risk-based capital ratio | 16.0526% | 2,416 |
| Total risk-based capital ratio | 17.2088% | 2,388 |
| Memoranda: | ||
| Average total assets | $204,569,000 | 2,859 |
| Average earning assets | $188,023,670 | 2,877 |
| Average equity | $24,951,330 | 2,669 |
| Average total loans | $120,270,330 | 3,033 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9852% | 3,664 |
| Cost of funding earning assets | 0.6724% | 1,586 |
| Net interest margin | 3.3128% | 4,155 |
| Noninterest income to average assets | 0.9069% | 1,132 |
| Noninterest expense to average assets | 2.6250% | 3,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1063% | 2,393 |
| Return on assets (ROA) | 1.1063% | 2,410 |
| Pretax return on assets | 1.3154% | 2,303 |
| Return on Equity (ROE) | 9.0977% | 2,867 |
| Retained earnings to average equity (ytd only) | 9.0977% | 1,425 |
| Net charge-offs to loans | 0.0033% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 673.0000% | 94 |
| Efficiency ratio | 66.6171% | 3,063 |
| Assets per employee ($millions) | 3.7975% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 1,397 |
| Loan loss allowance to noncurrent loans | 222.9630% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 2,656 |
| Noncurrent loans to loans | 0.6810% | 2,509 |
| Net loans and leases to total assets | 58.2023% | 3,921 |
| Net loans and leases to deposits | 71.0688% | 3,693 |
| Net loans and leases to core deposits | 71.9161% | 3,968 |
| Total domestic deposits to total assets | 81.8957% | 3,996 |
| Equity capital to assets | 12.4188% | 1,534 |
| Core capital (leverage) ratio | 12.3360% | 1,461 |
| Tier 1 risk-based capital ratio | 16.1480% | 2,409 |
| Total risk-based capital ratio | 17.3170% | 2,388 |
| Memoranda: | ||
| Average total assets | $204,645,000 | 2,892 |
| Average earning assets | $187,393,500 | 2,917 |
| Average equity | $24,885,500 | 2,695 |
| Average total loans | $120,580,000 | 3,059 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 3,013 |
| Cost of funding earning assets | 0.5734% | 1,794 |
| Net interest margin | 3.5393% | 3,381 |
| Noninterest income to average assets | 0.6774% | 2,060 |
| Noninterest expense to average assets | 2.5873% | 3,485 |
| Loan and lease loss provision to assets | 0.0392% | 3,485 |
| Net operating income to assets | 0.8799% | 2,816 |
| Return on assets (ROA) | 0.8799% | 2,837 |
| Pretax return on assets | 1.3022% | 2,338 |
| Return on Equity (ROE) | 7.3171% | 3,111 |
| Retained earnings to average equity (ytd only) | 4.0542% | 2,747 |
| Net charge-offs to loans | 0.0379% | 3,035 |
| Credit loss provision to net charge-offs | 173.9130% | 1,557 |
| Earnings coverage of net charge-offs (x) | 59.4565% | 963 |
| Efficiency ratio | 65.2434% | 3,394 |
| Assets per employee ($millions) | 4.0004% | 3,954 |
| Cash dividends to net income (ytd only)* | 44.5931% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,484 |
| Loan loss allowance to noncurrent loans | 195.1404% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 2,569 |
| Noncurrent loans to loans | 0.7577% | 2,311 |
| Net loans and leases to total assets | 57.8806% | 4,016 |
| Net loans and leases to deposits | 70.0416% | 3,873 |
| Net loans and leases to core deposits | 70.8394% | 4,120 |
| Total domestic deposits to total assets | 82.6375% | 3,678 |
| Equity capital to assets | 11.9102% | 1,901 |
| Core capital (leverage) ratio | 12.1842% | 1,504 |
| Tier 1 risk-based capital ratio | 15.3437% | 2,685 |
| Total risk-based capital ratio | 16.4756% | 2,665 |
| Memoranda: | ||
| Average total assets | $203,879,000 | 2,889 |
| Average earning assets | $187,297,800 | 2,890 |
| Average equity | $24,518,000 | 2,707 |
| Average total loans | $121,229,200 | 3,043 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0682% | 3,099 |
| Cost of funding earning assets | 0.5561% | 1,843 |
| Net interest margin | 3.5121% | 3,458 |
| Noninterest income to average assets | 0.7651% | 1,715 |
| Noninterest expense to average assets | 2.6069% | 3,388 |
| Loan and lease loss provision to assets | 0.0526% | 3,046 |
| Net operating income to assets | 1.0523% | 2,320 |
| Return on assets (ROA) | 1.0523% | 2,356 |
| Pretax return on assets | 1.3435% | 2,311 |
| Return on Equity (ROE) | 8.7293% | 2,753 |
| Retained earnings to average equity (ytd only) | 6.5483% | 1,941 |
| Net charge-offs to loans | 0.0507% | 2,415 |
| Credit loss provision to net charge-offs | 173.9130% | 1,505 |
| Earnings coverage of net charge-offs (x) | 46.1753% | 1,177 |
| Efficiency ratio | 64.5649% | 3,440 |
| Assets per employee ($millions) | 3.7668% | 4,345 |
| Cash dividends to net income (ytd only)* | 24.9844% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 1,458 |
| Loan loss allowance to noncurrent loans | 193.2620% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 2,493 |
| Noncurrent loans to loans | 0.7874% | 2,392 |
| Net loans and leases to total assets | 57.4879% | 4,111 |
| Net loans and leases to deposits | 70.1508% | 3,946 |
| Net loans and leases to core deposits | 70.9682% | 4,187 |
| Total domestic deposits to total assets | 81.9491% | 3,793 |
| Equity capital to assets | 12.3584% | 1,740 |
| Core capital (leverage) ratio | 12.2471% | 1,542 |
| Tier 1 risk-based capital ratio | 16.0692% | 2,475 |
| Total risk-based capital ratio | 17.2453% | 2,446 |
| Memoranda: | ||
| Average total assets | $202,843,000 | 2,925 |
| Average earning assets | $187,008,000 | 2,920 |
| Average equity | $24,453,500 | 2,735 |
| Average total loans | $120,983,500 | 3,066 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0718% | 2,930 |
| Cost of funding earning assets | 0.5285% | 1,936 |
| Net interest margin | 3.5433% | 3,244 |
| Noninterest income to average assets | 0.8241% | 1,486 |
| Noninterest expense to average assets | 2.6419% | 3,301 |
| Loan and lease loss provision to assets | 0.0493% | 3,002 |
| Net operating income to assets | 1.0767% | 2,095 |
| Return on assets (ROA) | 1.0767% | 2,143 |
| Pretax return on assets | 1.3945% | 2,045 |
| Return on Equity (ROE) | 9.0071% | 2,502 |
| Retained earnings to average equity (ytd only) | 5.7048% | 2,289 |
| Net charge-offs to loans | 0.0756% | 1,863 |
| Credit loss provision to net charge-offs | 108.6957% | 1,906 |
| Earnings coverage of net charge-offs (x) | 31.8043% | 1,424 |
| Efficiency ratio | 64.1304% | 3,646 |
| Assets per employee ($millions) | 4.0710% | 3,844 |
| Cash dividends to net income (ytd only)* | 36.6636% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 1,720 |
| Loan loss allowance to noncurrent loans | 179.3138% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6981% | 2,467 |
| Noncurrent loans to loans | 0.8148% | 2,369 |
| Net loans and leases to total assets | 58.8770% | 3,931 |
| Net loans and leases to deposits | 73.9270% | 3,554 |
| Net loans and leases to core deposits | 74.8102% | 3,876 |
| Total domestic deposits to total assets | 79.6421% | 4,493 |
| Equity capital to assets | 12.1175% | 1,854 |
| Core capital (leverage) ratio | 12.2042% | 1,531 |
| Tier 1 risk-based capital ratio | 16.2407% | 2,415 |
| Total risk-based capital ratio | 17.4297% | 2,377 |
| Memoranda: | ||
| Average total assets | $202,654,670 | 2,936 |
| Average earning assets | $186,550,000 | 2,944 |
| Average equity | $24,225,330 | 2,756 |
| Average total loans | $121,730,670 | 3,066 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 3,197 |
| Cost of funding earning assets | 0.5129% | 1,982 |
| Net interest margin | 3.4393% | 3,488 |
| Noninterest income to average assets | 0.8842% | 1,292 |
| Noninterest expense to average assets | 2.5222% | 3,737 |
| Loan and lease loss provision to assets | 0.0593% | 2,621 |
| Net operating income to assets | 1.1236% | 1,781 |
| Return on assets (ROA) | 1.1236% | 1,817 |
| Pretax return on assets | 1.4599% | 1,663 |
| Return on Equity (ROE) | 9.4645% | 2,198 |
| Retained earnings to average equity (ytd only) | 9.4645% | 931 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8698% | 4,168 |
| Assets per employee ($millions) | 4.0007% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 1,728 |
| Loan loss allowance to noncurrent loans | 121.4960% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 2,074 |
| Noncurrent loans to loans | 1.2264% | 1,653 |
| Net loans and leases to total assets | 59.5895% | 3,826 |
| Net loans and leases to deposits | 74.9659% | 3,309 |
| Net loans and leases to core deposits | 76.1186% | 3,642 |
| Total domestic deposits to total assets | 79.4888% | 4,713 |
| Equity capital to assets | 12.1932% | 1,714 |
| Core capital (leverage) ratio | 12.0220% | 1,615 |
| Tier 1 risk-based capital ratio | 16.2344% | 2,463 |
| Total risk-based capital ratio | 17.4538% | 2,414 |
| Memoranda: | ||
| Average total assets | $202,208,000 | 2,969 |
| Average earning assets | $185,619,500 | 2,987 |
| Average equity | $24,005,500 | 2,792 |
| Average total loans | $121,786,000 | 3,087 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1156% | 2,787 |
| Cost of funding earning assets | 0.4775% | 2,278 |
| Net interest margin | 3.6381% | 2,932 |
| Noninterest income to average assets | 0.7415% | 1,989 |
| Noninterest expense to average assets | 2.5872% | 3,716 |
| Loan and lease loss provision to assets | 0.0600% | 3,181 |
| Net operating income to assets | 1.1027% | 1,896 |
| Return on assets (ROA) | 1.1027% | 1,982 |
| Pretax return on assets | 1.4290% | 1,822 |
| Return on Equity (ROE) | 9.3726% | 2,241 |
| Retained earnings to average equity (ytd only) | 5.9752% | 1,717 |
| Net charge-offs to loans | 0.0145% | 3,807 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 165.5556% | 392 |
| Efficiency ratio | 62.9198% | 4,120 |
| Assets per employee ($millions) | 4.0876% | 3,810 |
| Cash dividends to net income (ytd only)* | 36.2483% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 1,886 |
| Loan loss allowance to noncurrent loans | 110.8818% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.9453% | 2,012 |
| Noncurrent loans to loans | 1.3046% | 1,573 |
| Net loans and leases to total assets | 59.1034% | 3,950 |
| Net loans and leases to deposits | 73.5752% | 3,557 |
| Net loans and leases to core deposits | 74.8996% | 3,846 |
| Total domestic deposits to total assets | 80.3307% | 4,499 |
| Equity capital to assets | 11.5570% | 2,116 |
| Core capital (leverage) ratio | 11.8036% | 1,723 |
| Tier 1 risk-based capital ratio | 16.2429% | 2,454 |
| Total risk-based capital ratio | 17.4716% | 2,401 |
| Memoranda: | ||
| Average total assets | $200,139,200 | 2,955 |
| Average earning assets | $183,449,000 | 2,981 |
| Average equity | $23,547,400 | 2,843 |
| Average total loans | $123,915,200 | 3,014 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 2,776 |
| Cost of funding earning assets | 0.4785% | 2,282 |
| Net interest margin | 3.6482% | 2,899 |
| Noninterest income to average assets | 0.7769% | 1,860 |
| Noninterest expense to average assets | 2.6039% | 3,646 |
| Loan and lease loss provision to assets | 0.0603% | 3,047 |
| Net operating income to assets | 1.1231% | 1,902 |
| Return on assets (ROA) | 1.1231% | 2,015 |
| Pretax return on assets | 1.4627% | 1,844 |
| Return on Equity (ROE) | 9.5028% | 2,270 |
| Retained earnings to average equity (ytd only) | 7.2362% | 1,509 |
| Net charge-offs to loans | 0.0193% | 3,318 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 126.3300% | 550 |
| Efficiency ratio | 62.5446% | 4,132 |
| Assets per employee ($millions) | 3.7987% | 4,303 |
| Cash dividends to net income (ytd only)* | 23.8522% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 2,229 |
| Loan loss allowance to noncurrent loans | 72.6250% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.2507% | 1,570 |
| Noncurrent loans to loans | 1.9189% | 1,038 |
| Net loans and leases to total assets | 61.2570% | 3,711 |
| Net loans and leases to deposits | 77.0528% | 3,283 |
| Net loans and leases to core deposits | 78.9075% | 3,564 |
| Total domestic deposits to total assets | 79.5000% | 4,620 |
| Equity capital to assets | 12.0219% | 2,103 |
| Core capital (leverage) ratio | 11.7814% | 1,822 |
| Tier 1 risk-based capital ratio | 15.5539% | 2,807 |
| Total risk-based capital ratio | 16.7174% | 2,776 |
| Memoranda: | ||
| Average total assets | $199,079,250 | 2,972 |
| Average earning assets | $182,805,000 | 2,998 |
| Average equity | $23,529,250 | 2,860 |
| Average total loans | $124,252,000 | 3,010 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 2,946 |
| Cost of funding earning assets | 0.4803% | 2,271 |
| Net interest margin | 3.5995% | 3,101 |
| Noninterest income to average assets | 0.8693% | 1,477 |
| Noninterest expense to average assets | 2.6229% | 3,648 |
| Loan and lease loss provision to assets | 0.0605% | 2,929 |
| Net operating income to assets | 1.1405% | 1,806 |
| Return on assets (ROA) | 1.1405% | 1,924 |
| Pretax return on assets | 1.4884% | 1,709 |
| Return on Equity (ROE) | 9.7064% | 2,180 |
| Retained earnings to average equity (ytd only) | 6.2735% | 1,971 |
| Net charge-offs to loans | 0.0290% | 2,896 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 85.3333% | 668 |
| Efficiency ratio | 62.3399% | 4,291 |
| Assets per employee ($millions) | 4.1558% | 3,643 |
| Cash dividends to net income (ytd only)* | 35.3669% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 2,530 |
| Loan loss allowance to noncurrent loans | 93.0978% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 2,242 |
| Noncurrent loans to loans | 1.4503% | 1,526 |
| Net loans and leases to total assets | 62.7413% | 3,536 |
| Net loans and leases to deposits | 78.8452% | 3,069 |
| Net loans and leases to core deposits | 80.6292% | 3,400 |
| Total domestic deposits to total assets | 79.5752% | 4,654 |
| Equity capital to assets | 11.8915% | 2,206 |
| Core capital (leverage) ratio | 11.6280% | 1,889 |
| Tier 1 risk-based capital ratio | 15.0200% | 3,071 |
| Total risk-based capital ratio | 16.1511% | 3,060 |
| Memoranda: | ||
| Average total assets | $198,328,330 | 2,991 |
| Average earning assets | $181,968,000 | 3,019 |
| Average equity | $23,304,330 | 2,889 |
| Average total loans | $123,978,330 | 3,020 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 2,827 |
| Cost of funding earning assets | 0.4876% | 2,199 |
| Net interest margin | 3.6174% | 3,015 |
| Noninterest income to average assets | 1.0134% | 1,045 |
| Noninterest expense to average assets | 2.6740% | 3,514 |
| Loan and lease loss provision to assets | 0.0607% | 2,731 |
| Net operating income to assets | 1.1934% | 1,581 |
| Return on assets (ROA) | 1.1934% | 1,679 |
| Pretax return on assets | 1.5797% | 1,350 |
| Return on Equity (ROE) | 10.2182% | 1,893 |
| Retained earnings to average equity (ytd only) | 10.2182% | 802 |
| Net charge-offs to loans | 0.0490% | 2,058 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 54.0667% | 833 |
| Efficiency ratio | 61.4627% | 4,535 |
| Assets per employee ($millions) | 3.9979% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 2,548 |
| Loan loss allowance to noncurrent loans | 86.1154% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 2,081 |
| Noncurrent loans to loans | 1.5946% | 1,456 |
| Net loans and leases to total assets | 61.8522% | 3,551 |
| Net loans and leases to deposits | 77.8947% | 3,015 |
| Net loans and leases to core deposits | 78.7073% | 3,427 |
| Total domestic deposits to total assets | 79.4049% | 4,878 |
| Equity capital to assets | 11.9931% | 2,034 |
| Core capital (leverage) ratio | 11.3808% | 2,067 |
| Tier 1 risk-based capital ratio | 15.8461% | 2,761 |
| Total risk-based capital ratio | 17.0498% | 2,710 |
| Memoranda: | ||
| Average total assets | $197,753,500 | 3,012 |
| Average earning assets | $180,462,000 | 3,041 |
| Average equity | $23,096,000 | 2,913 |
| Average total loans | $122,533,500 | 3,048 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1107% | 2,875 |
| Cost of funding earning assets | 0.6344% | 1,159 |
| Net interest margin | 3.4763% | 3,611 |
| Noninterest income to average assets | 0.7542% | 1,961 |
| Noninterest expense to average assets | 2.6527% | 3,749 |
| Loan and lease loss provision to assets | 0.0312% | 3,745 |
| Net operating income to assets | 1.0080% | 2,321 |
| Return on assets (ROA) | 1.0059% | 2,424 |
| Pretax return on assets | 1.2400% | 2,505 |
| Return on Equity (ROE) | 8.7165% | 2,618 |
| Retained earnings to average equity (ytd only) | 5.5616% | 2,043 |
| Net charge-offs to loans | 0.0182% | 3,920 |
| Credit loss provision to net charge-offs | 285.7143% | 1,024 |
| Earnings coverage of net charge-offs (x) | 116.6190% | 514 |
| Efficiency ratio | 66.9625% | 3,758 |
| Assets per employee ($millions) | 4.0737% | 3,808 |
| Cash dividends to net income (ytd only)* | 36.1944% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 2,570 |
| Loan loss allowance to noncurrent loans | 92.4737% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 2,291 |
| Noncurrent loans to loans | 1.4786% | 1,573 |
| Net loans and leases to total assets | 60.3890% | 3,782 |
| Net loans and leases to deposits | 75.2909% | 3,343 |
| Net loans and leases to core deposits | 76.1740% | 3,739 |
| Total domestic deposits to total assets | 80.2075% | 4,700 |
| Equity capital to assets | 11.3711% | 2,472 |
| Core capital (leverage) ratio | 11.2881% | 2,130 |
| Tier 1 risk-based capital ratio | 15.6756% | 2,848 |
| Total risk-based capital ratio | 16.8853% | 2,797 |
| Memoranda: | ||
| Average total assets | $192,258,800 | 3,024 |
| Average earning assets | $175,444,400 | 3,048 |
| Average equity | $22,187,800 | 2,958 |
| Average total loans | $115,174,400 | 3,117 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 3,022 |
| Cost of funding earning assets | 0.6665% | 994 |
| Net interest margin | 3.4138% | 3,897 |
| Noninterest income to average assets | 0.8003% | 1,804 |
| Noninterest expense to average assets | 2.7020% | 3,555 |
| Loan and lease loss provision to assets | 0.0315% | 3,608 |
| Net operating income to assets | 0.9789% | 2,578 |
| Return on assets (ROA) | 0.9761% | 2,674 |
| Pretax return on assets | 1.1868% | 2,865 |
| Return on Equity (ROE) | 8.4252% | 2,856 |
| Retained earnings to average equity (ytd only) | 6.6120% | 1,880 |
| Net charge-offs to loans | 0.0541% | 2,829 |
| Credit loss provision to net charge-offs | 97.8261% | 2,340 |
| Earnings coverage of net charge-offs (x) | 37.9359% | 1,296 |
| Efficiency ratio | 68.2548% | 3,493 |
| Assets per employee ($millions) | 3.7820% | 4,300 |
| Cash dividends to net income (ytd only)* | 21.5208% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 2,668 |
| Loan loss allowance to noncurrent loans | 97.2570% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 2,435 |
| Noncurrent loans to loans | 1.4261% | 1,775 |
| Net loans and leases to total assets | 60.1215% | 3,869 |
| Net loans and leases to deposits | 75.5135% | 3,364 |
| Net loans and leases to core deposits | 76.5645% | 3,731 |
| Total domestic deposits to total assets | 79.6170% | 4,825 |
| Equity capital to assets | 11.6611% | 2,374 |
| Core capital (leverage) ratio | 11.3154% | 2,178 |
| Tier 1 risk-based capital ratio | 15.3049% | 3,139 |
| Total risk-based capital ratio | 16.4655% | 3,117 |
| Memoranda: | ||
| Average total assets | $190,420,750 | 3,071 |
| Average earning assets | $174,231,750 | 3,084 |
| Average equity | $22,060,250 | 2,983 |
| Average total loans | $113,414,500 | 3,174 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 2,849 |
| Cost of funding earning assets | 0.6859% | 908 |
| Net interest margin | 3.4272% | 3,802 |
| Noninterest income to average assets | 0.9019% | 1,437 |
| Noninterest expense to average assets | 2.7500% | 3,412 |
| Loan and lease loss provision to assets | 0.0316% | 3,488 |
| Net operating income to assets | 1.0232% | 2,273 |
| Return on assets (ROA) | 1.0232% | 2,389 |
| Pretax return on assets | 1.2511% | 2,548 |
| Return on Equity (ROE) | 8.8518% | 2,633 |
| Retained earnings to average equity (ytd only) | 6.1142% | 2,164 |
| Net charge-offs to loans | 0.0339% | 2,988 |
| Credit loss provision to net charge-offs | 157.8947% | 1,480 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 808 |
| Efficiency ratio | 67.6171% | 3,730 |
| Assets per employee ($millions) | 3.7265% | 4,371 |
| Cash dividends to net income (ytd only)* | 30.9278% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 2,532 |
| Loan loss allowance to noncurrent loans | 72.5707% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.3901% | 1,806 |
| Noncurrent loans to loans | 1.9921% | 1,229 |
| Net loans and leases to total assets | 58.9354% | 3,988 |
| Net loans and leases to deposits | 74.0094% | 3,490 |
| Net loans and leases to core deposits | 75.0533% | 3,847 |
| Total domestic deposits to total assets | 79.6324% | 4,945 |
| Equity capital to assets | 11.6416% | 2,299 |
| Core capital (leverage) ratio | 11.2939% | 2,168 |
| Tier 1 risk-based capital ratio | 14.9446% | 3,384 |
| Total risk-based capital ratio | 16.1094% | 3,374 |
| Memoranda: | ||
| Average total assets | $189,600,670 | 3,106 |
| Average earning assets | $173,204,000 | 3,119 |
| Average equity | $21,916,330 | 3,004 |
| Average total loans | $112,021,330 | 3,207 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1571% | 2,612 |
| Cost of funding earning assets | 0.6874% | 913 |
| Net interest margin | 3.4697% | 3,554 |
| Noninterest income to average assets | 0.9822% | 1,159 |
| Noninterest expense to average assets | 2.7543% | 3,404 |
| Loan and lease loss provision to assets | 0.0317% | 3,257 |
| Net operating income to assets | 1.0772% | 1,941 |
| Return on assets (ROA) | 1.0772% | 2,060 |
| Pretax return on assets | 1.3518% | 2,064 |
| Return on Equity (ROE) | 9.3526% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.3526% | 1,082 |
| Net charge-offs to loans | 0.0683% | 2,050 |
| Credit loss provision to net charge-offs | 78.9474% | 1,835 |
| Earnings coverage of net charge-offs (x) | 34.4737% | 1,060 |
| Efficiency ratio | 66.0031% | 4,156 |
| Assets per employee ($millions) | 3.5754% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 2,681 |
| Loan loss allowance to noncurrent loans | 65.0419% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.5531% | 1,662 |
| Noncurrent loans to loans | 2.2279% | 1,128 |
| Net loans and leases to total assets | 58.4287% | 3,882 |
| Net loans and leases to deposits | 73.4724% | 3,373 |
| Net loans and leases to core deposits | 74.6625% | 3,719 |
| Total domestic deposits to total assets | 79.5246% | 5,167 |
| Equity capital to assets | 11.6620% | 2,332 |
| Core capital (leverage) ratio | 11.2499% | 2,193 |
| Tier 1 risk-based capital ratio | 15.3355% | 3,240 |
| Total risk-based capital ratio | 16.5292% | 3,202 |
| Memoranda: | ||
| Average total assets | $189,375,000 | 3,126 |
| Average earning assets | $172,236,000 | 3,151 |
| Average equity | $21,812,000 | 3,037 |
| Average total loans | $111,206,500 | 3,245 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 2,927 |
| Cost of funding earning assets | 0.7262% | 972 |
| Net interest margin | 3.4820% | 3,860 |
| Noninterest income to average assets | 0.7839% | 1,936 |
| Noninterest expense to average assets | 2.7209% | 3,786 |
| Loan and lease loss provision to assets | 0.0323% | 3,952 |
| Net operating income to assets | 0.9782% | 2,491 |
| Return on assets (ROA) | 0.9782% | 2,565 |
| Pretax return on assets | 1.1961% | 2,667 |
| Return on Equity (ROE) | 8.6869% | 2,738 |
| Retained earnings to average equity (ytd only) | 4.8643% | 2,705 |
| Net charge-offs to loans | -0.0028% | 5,401 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2834% | 3,850 |
| Assets per employee ($millions) | 3.7163% | 4,499 |
| Cash dividends to net income (ytd only)* | 44.0044% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 2,555 |
| Loan loss allowance to noncurrent loans | 54.5272% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 1.6736% | 1,612 |
| Noncurrent loans to loans | 2.7193% | 895 |
| Net loans and leases to total assets | 57.2112% | 4,168 |
| Net loans and leases to deposits | 71.6874% | 3,716 |
| Net loans and leases to core deposits | 72.8418% | 4,041 |
| Total domestic deposits to total assets | 79.8065% | 5,065 |
| Equity capital to assets | 11.5037% | 2,424 |
| Core capital (leverage) ratio | 11.3709% | 2,073 |
| Tier 1 risk-based capital ratio | 15.2401% | 3,354 |
| Total risk-based capital ratio | 16.4328% | 3,338 |
| Memoranda: | ||
| Average total assets | $185,858,200 | 3,152 |
| Average earning assets | $168,956,600 | 3,171 |
| Average equity | $20,928,000 | 3,064 |
| Average total loans | $107,880,200 | 3,270 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 2,791 |
| Cost of funding earning assets | 0.7312% | 987 |
| Net interest margin | 3.5237% | 3,740 |
| Noninterest income to average assets | 0.8067% | 1,866 |
| Noninterest expense to average assets | 2.7432% | 3,656 |
| Loan and lease loss provision to assets | 0.0324% | 3,758 |
| Net operating income to assets | 0.9927% | 2,480 |
| Return on assets (ROA) | 0.9927% | 2,545 |
| Pretax return on assets | 1.2415% | 2,607 |
| Return on Equity (ROE) | 8.8654% | 2,754 |
| Retained earnings to average equity (ytd only) | 6.2901% | 2,223 |
| Net charge-offs to loans | -0.0025% | 5,204 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6777% | 3,914 |
| Assets per employee ($millions) | 3.5952% | 4,688 |
| Cash dividends to net income (ytd only)* | 29.0487% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 2,638 |
| Loan loss allowance to noncurrent loans | 69.5054% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.3913% | 2,218 |
| Noncurrent loans to loans | 2.1777% | 1,406 |
| Net loans and leases to total assets | 57.3481% | 4,158 |
| Net loans and leases to deposits | 72.2278% | 3,666 |
| Net loans and leases to core deposits | 73.4313% | 4,003 |
| Total domestic deposits to total assets | 79.3989% | 5,240 |
| Equity capital to assets | 11.6943% | 2,316 |
| Core capital (leverage) ratio | 11.3904% | 2,144 |
| Tier 1 risk-based capital ratio | 16.6503% | 2,748 |
| Total risk-based capital ratio | 17.9438% | 2,688 |
| Memoranda: | ||
| Average total assets | $184,940,000 | 3,187 |
| Average earning assets | $168,491,750 | 3,204 |
| Average equity | $20,709,250 | 3,094 |
| Average total loans | $107,334,000 | 3,297 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3283% | 2,485 |
| Cost of funding earning assets | 0.7386% | 974 |
| Net interest margin | 3.5897% | 3,402 |
| Noninterest income to average assets | 0.8713% | 1,587 |
| Noninterest expense to average assets | 2.7282% | 3,761 |
| Loan and lease loss provision to assets | 0.0324% | 3,638 |
| Net operating income to assets | 1.0633% | 2,065 |
| Return on assets (ROA) | 1.0633% | 2,145 |
| Pretax return on assets | 1.3706% | 2,002 |
| Return on Equity (ROE) | 9.6360% | 2,306 |
| Retained earnings to average equity (ytd only) | 5.7269% | 2,494 |
| Net charge-offs to loans | -0.0074% | 5,256 |
| Credit loss provision to net charge-offs | -750.0000% | 5,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4398% | 4,456 |
| Assets per employee ($millions) | 3.6665% | 4,516 |
| Cash dividends to net income (ytd only)* | 40.5680% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 2,790 |
| Loan loss allowance to noncurrent loans | 69.3039% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.3332% | 2,456 |
| Noncurrent loans to loans | 2.1978% | 1,490 |
| Net loans and leases to total assets | 55.4243% | 4,356 |
| Net loans and leases to deposits | 69.1942% | 3,917 |
| Net loans and leases to core deposits | 70.0746% | 4,263 |
| Total domestic deposits to total assets | 80.0997% | 5,211 |
| Equity capital to assets | 11.1957% | 2,700 |
| Core capital (leverage) ratio | 11.0224% | 2,409 |
| Tier 1 risk-based capital ratio | 15.6200% | 3,285 |
| Total risk-based capital ratio | 16.8474% | 3,250 |
| Memoranda: | ||
| Average total assets | $185,468,670 | 3,201 |
| Average earning assets | $168,428,000 | 3,214 |
| Average equity | $20,465,000 | 3,121 |
| Average total loans | $107,523,330 | 3,297 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3792% | 2,232 |
| Cost of funding earning assets | 0.7494% | 975 |
| Net interest margin | 3.6299% | 3,143 |
| Noninterest income to average assets | 0.9507% | 1,257 |
| Noninterest expense to average assets | 2.7005% | 3,932 |
| Loan and lease loss provision to assets | 0.0325% | 3,395 |
| Net operating income to assets | 1.1456% | 1,644 |
| Return on assets (ROA) | 1.1456% | 1,712 |
| Pretax return on assets | 1.5116% | 1,402 |
| Return on Equity (ROE) | 10.4597% | 1,884 |
| Retained earnings to average equity (ytd only) | 10.4597% | 853 |
| Net charge-offs to loans | -0.0147% | 5,197 |
| Credit loss provision to net charge-offs | -375.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0612% | 4,996 |
| Assets per employee ($millions) | 3.7007% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 3,248 |
| Loan loss allowance to noncurrent loans | 82.0672% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.1430% | 2,969 |
| Noncurrent loans to loans | 1.8007% | 2,139 |
| Net loans and leases to total assets | 57.2145% | 3,968 |
| Net loans and leases to deposits | 71.3690% | 3,420 |
| Net loans and leases to core deposits | 72.5581% | 3,812 |
| Total domestic deposits to total assets | 80.1672% | 5,457 |
| Equity capital to assets | 11.1702% | 2,556 |
| Core capital (leverage) ratio | 11.0276% | 2,356 |
| Tier 1 risk-based capital ratio | 15.5000% | 3,433 |
| Total risk-based capital ratio | 16.7106% | 3,420 |
| Memoranda: | ||
| Average total assets | $184,707,000 | 3,236 |
| Average earning assets | $167,610,000 | 3,247 |
| Average equity | $20,230,000 | 3,147 |
| Average total loans | $108,664,000 | 3,289 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6324% | 1,768 |
| Cost of funding earning assets | 0.8727% | 852 |
| Net interest margin | 3.7597% | 2,806 |
| Noninterest income to average assets | 1.0327% | 1,318 |
| Noninterest expense to average assets | 2.8667% | 3,470 |
| Loan and lease loss provision to assets | 0.2032% | 1,830 |
| Net operating income to assets | 1.1738% | 1,671 |
| Return on assets (ROA) | 1.1738% | 1,728 |
| Pretax return on assets | 1.4052% | 1,760 |
| Return on Equity (ROE) | 10.7119% | 1,860 |
| Retained earnings to average equity (ytd only) | 6.5920% | 1,633 |
| Net charge-offs to loans | -0.0074% | 5,984 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5435% | 4,980 |
| Assets per employee ($millions) | 3.9229% | 4,021 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 3,519 |
| Loan loss allowance to noncurrent loans | 98.1852% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.9757% | 3,468 |
| Noncurrent loans to loans | 1.4544% | 2,711 |
| Net loans and leases to total assets | 58.7400% | 3,914 |
| Net loans and leases to deposits | 72.9082% | 3,408 |
| Net loans and leases to core deposits | 74.1228% | 3,827 |
| Total domestic deposits to total assets | 80.5670% | 5,301 |
| Equity capital to assets | 10.7340% | 2,897 |
| Core capital (leverage) ratio | 10.9799% | 2,407 |
| Tier 1 risk-based capital ratio | 14.2641% | 4,108 |
| Total risk-based capital ratio | 15.3949% | 4,147 |
| Memoranda: | ||
| Average total assets | $177,205,200 | 3,304 |
| Average earning assets | $162,247,400 | 3,312 |
| Average equity | $19,417,600 | 3,226 |
| Average total loans | $107,952,200 | 3,286 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 1,735 |
| Cost of funding earning assets | 0.8765% | 919 |
| Net interest margin | 3.7800% | 2,713 |
| Noninterest income to average assets | 1.1591% | 1,090 |
| Noninterest expense to average assets | 2.9461% | 3,149 |
| Loan and lease loss provision to assets | 0.2052% | 1,767 |
| Net operating income to assets | 1.2754% | 1,412 |
| Return on assets (ROA) | 1.2754% | 1,482 |
| Pretax return on assets | 1.4791% | 1,671 |
| Return on Equity (ROE) | 11.5776% | 1,631 |
| Retained earnings to average equity (ytd only) | 8.8177% | 1,115 |
| Net charge-offs to loans | -0.0012% | 5,660 |
| Credit loss provision to net charge-offs | -27,000.0000% | 6,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1320% | 4,959 |
| Assets per employee ($millions) | 3.5654% | 4,724 |
| Cash dividends to net income (ytd only)* | 23.8379% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 4,170 |
| Loan loss allowance to noncurrent loans | 78.2562% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.1679% | 3,320 |
| Noncurrent loans to loans | 1.7177% | 2,619 |
| Net loans and leases to total assets | 60.6020% | 3,595 |
| Net loans and leases to deposits | 75.9188% | 2,978 |
| Net loans and leases to core deposits | 77.5599% | 3,414 |
| Total domestic deposits to total assets | 79.8248% | 5,552 |
| Equity capital to assets | 11.1927% | 2,570 |
| Core capital (leverage) ratio | 11.1331% | 2,356 |
| Tier 1 risk-based capital ratio | 14.5019% | 4,071 |
| Total risk-based capital ratio | 15.5814% | 4,141 |
| Memoranda: | ||
| Average total assets | $175,412,250 | 3,357 |
| Average earning assets | $161,087,750 | 3,351 |
| Average equity | $19,324,250 | 3,269 |
| Average total loans | $107,472,250 | 3,318 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 1,775 |
| Cost of funding earning assets | 0.9082% | 860 |
| Net interest margin | 3.7139% | 2,907 |
| Noninterest income to average assets | 1.4617% | 740 |
| Noninterest expense to average assets | 3.0104% | 2,968 |
| Loan and lease loss provision to assets | 0.2064% | 1,834 |
| Net operating income to assets | 1.4937% | 911 |
| Return on assets (ROA) | 1.4937% | 978 |
| Pretax return on assets | 1.6623% | 1,203 |
| Return on Equity (ROE) | 13.6335% | 1,086 |
| Retained earnings to average equity (ytd only) | 9.4482% | 980 |
| Net charge-offs to loans | 0.0206% | 4,428 |
| Credit loss provision to net charge-offs | 1,636.3636% | 195 |
| Earnings coverage of net charge-offs (x) | 148.1818% | 333 |
| Efficiency ratio | 61.2547% | 5,286 |
| Assets per employee ($millions) | 3.6026% | 4,619 |
| Cash dividends to net income (ytd only)* | 30.6984% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 4,887 |
| Loan loss allowance to noncurrent loans | 94.2837% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 3,955 |
| Noncurrent loans to loans | 1.2931% | 3,395 |
| Net loans and leases to total assets | 61.5746% | 3,374 |
| Net loans and leases to deposits | 76.8195% | 2,752 |
| Net loans and leases to core deposits | 77.9850% | 3,290 |
| Total domestic deposits to total assets | 80.1550% | 5,574 |
| Equity capital to assets | 10.9964% | 2,751 |
| Core capital (leverage) ratio | 10.6701% | 2,694 |
| Tier 1 risk-based capital ratio | 13.9877% | 4,436 |
| Total risk-based capital ratio | 14.9755% | 4,590 |
| Memoranda: | ||
| Average total assets | $174,460,330 | 3,382 |
| Average earning assets | $160,532,670 | 3,388 |
| Average equity | $19,114,670 | 3,316 |
| Average total loans | $106,794,330 | 3,343 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4518% | 2,342 |
| Cost of funding earning assets | 0.9455% | 798 |
| Net interest margin | 3.5064% | 3,668 |
| Noninterest income to average assets | 2.0277% | 429 |
| Noninterest expense to average assets | 3.1674% | 2,460 |
| Loan and lease loss provision to assets | 0.2098% | 1,767 |
| Net operating income to assets | 1.8529% | 435 |
| Return on assets (ROA) | 1.8529% | 478 |
| Pretax return on assets | 1.8832% | 758 |
| Return on Equity (ROE) | 16.9437% | 512 |
| Retained earnings to average equity (ytd only) | 16.9437% | 232 |
| Net charge-offs to loans | -0.0346% | 5,965 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9025% | 5,598 |
| Assets per employee ($millions) | 3.6424% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 5,480 |
| Loan loss allowance to noncurrent loans | 47.4607% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 1.5617% | 2,922 |
| Noncurrent loans to loans | 2.3823% | 2,181 |
| Net loans and leases to total assets | 61.1474% | 3,231 |
| Net loans and leases to deposits | 77.9019% | 2,350 |
| Net loans and leases to core deposits | 79.0683% | 2,919 |
| Total domestic deposits to total assets | 78.4928% | 6,050 |
| Equity capital to assets | 10.9662% | 2,990 |
| Core capital (leverage) ratio | 11.1559% | 2,131 |
| Tier 1 risk-based capital ratio | 13.6470% | 4,762 |
| Total risk-based capital ratio | 14.5670% | 4,951 |
| Memoranda: | ||
| Average total assets | $171,625,000 | 3,472 |
| Average earning assets | $158,227,000 | 3,463 |
| Average equity | $18,768,000 | 3,409 |
| Average total loans | $104,049,500 | 3,419 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5300% | 3,278 |
| Cost of funding earning assets | 1.1092% | 874 |
| Net interest margin | 3.4207% | 4,813 |
| Noninterest income to average assets | 0.8946% | 1,875 |
| Noninterest expense to average assets | 2.8120% | 3,979 |
| Loan and lease loss provision to assets | 0.0644% | 4,956 |
| Net operating income to assets | 1.0452% | 2,142 |
| Return on assets (ROA) | 1.0452% | 2,343 |
| Pretax return on assets | 1.1643% | 2,933 |
| Return on Equity (ROE) | 9.8316% | 2,242 |
| Retained earnings to average equity (ytd only) | 7.4100% | 1,373 |
| Net charge-offs to loans | 0.0801% | 4,866 |
| Credit loss provision to net charge-offs | 129.8701% | 2,154 |
| Earnings coverage of net charge-offs (x) | 24.7922% | 1,163 |
| Efficiency ratio | 69.5922% | 3,883 |
| Assets per employee ($millions) | 3.5793% | 4,828 |
| Cash dividends to net income (ytd only)* | 24.6305% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 4,702 |
| Loan loss allowance to noncurrent loans | 133.0377% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.6375% | 4,876 |
| Noncurrent loans to loans | 0.9677% | 4,262 |
| Net loans and leases to total assets | 58.4244% | 3,892 |
| Net loans and leases to deposits | 76.2775% | 2,755 |
| Net loans and leases to core deposits | 78.4135% | 3,206 |
| Total domestic deposits to total assets | 76.5946% | 6,274 |
| Equity capital to assets | 10.8992% | 3,067 |
| Core capital (leverage) ratio | 10.2291% | 3,099 |
| Tier 1 risk-based capital ratio | 14.6364% | 3,942 |
| Total risk-based capital ratio | 15.7208% | 4,002 |
| Memoranda: | ||
| Average total assets | $155,369,800 | 3,698 |
| Average earning assets | $142,893,200 | 3,681 |
| Average equity | $16,518,200 | 3,697 |
| Average total loans | $96,082,400 | 3,616 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6090% | 3,167 |
| Cost of funding earning assets | 1.1389% | 909 |
| Net interest margin | 3.4701% | 4,756 |
| Noninterest income to average assets | 0.9050% | 1,811 |
| Noninterest expense to average assets | 2.7667% | 4,104 |
| Loan and lease loss provision to assets | 0.0646% | 4,900 |
| Net operating income to assets | 1.0962% | 2,107 |
| Return on assets (ROA) | 1.0962% | 2,304 |
| Pretax return on assets | 1.2666% | 2,723 |
| Return on Equity (ROE) | 10.3769% | 2,181 |
| Retained earnings to average equity (ytd only) | 8.7466% | 1,330 |
| Net charge-offs to loans | 0.1171% | 4,210 |
| Credit loss provision to net charge-offs | 88.2353% | 3,353 |
| Earnings coverage of net charge-offs (x) | 18.1883% | 1,579 |
| Efficiency ratio | 67.5142% | 4,174 |
| Assets per employee ($millions) | 3.5328% | 4,900 |
| Cash dividends to net income (ytd only)* | 15.7109% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 5,305 |
| Loan loss allowance to noncurrent loans | 109.2610% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.7781% | 4,763 |
| Noncurrent loans to loans | 1.0942% | 4,245 |
| Net loans and leases to total assets | 60.7191% | 3,629 |
| Net loans and leases to deposits | 79.0019% | 2,530 |
| Net loans and leases to core deposits | 81.6992% | 3,002 |
| Total domestic deposits to total assets | 76.8578% | 6,260 |
| Equity capital to assets | 10.7285% | 3,577 |
| Core capital (leverage) ratio | 10.2890% | 3,179 |
| Tier 1 risk-based capital ratio | 15.1959% | 3,709 |
| Total risk-based capital ratio | 16.3022% | 3,764 |
| Memoranda: | ||
| Average total assets | $154,840,000 | 3,737 |
| Average earning assets | $142,470,250 | 3,728 |
| Average equity | $16,356,500 | 3,762 |
| Average total loans | $96,800,000 | 3,639 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 3,673 |
| Cost of funding earning assets | 1.1709% | 938 |
| Net interest margin | 3.3512% | 5,271 |
| Noninterest income to average assets | 0.9618% | 1,574 |
| Noninterest expense to average assets | 2.8151% | 3,956 |
| Loan and lease loss provision to assets | 0.0652% | 4,827 |
| Net operating income to assets | 0.9944% | 2,493 |
| Return on assets (ROA) | 0.9944% | 2,717 |
| Pretax return on assets | 1.1625% | 3,072 |
| Return on Equity (ROE) | 9.4645% | 2,589 |
| Retained earnings to average equity (ytd only) | 6.9837% | 2,112 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6325% | 3,828 |
| Assets per employee ($millions) | 3.5049% | 4,973 |
| Cash dividends to net income (ytd only)* | 26.2123% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 5,078 |
| Loan loss allowance to noncurrent loans | 78.1310% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.1776% | 4,049 |
| Noncurrent loans to loans | 1.6141% | 3,487 |
| Net loans and leases to total assets | 62.3962% | 3,354 |
| Net loans and leases to deposits | 82.6313% | 2,031 |
| Net loans and leases to core deposits | 84.6634% | 2,607 |
| Total domestic deposits to total assets | 75.5116% | 6,530 |
| Equity capital to assets | 10.6928% | 3,466 |
| Core capital (leverage) ratio | 10.1095% | 3,258 |
| Tier 1 risk-based capital ratio | 14.8927% | 3,836 |
| Total risk-based capital ratio | 16.0710% | 3,849 |
| Memoranda: | ||
| Average total assets | $153,460,670 | 3,781 |
| Average earning assets | $141,085,670 | 3,767 |
| Average equity | $16,123,330 | 3,786 |
| Average total loans | $96,500,670 | 3,657 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 3,446 |
| Cost of funding earning assets | 1.1981% | 995 |
| Net interest margin | 3.4149% | 5,055 |
| Noninterest income to average assets | 1.1183% | 1,129 |
| Noninterest expense to average assets | 2.9736% | 3,369 |
| Loan and lease loss provision to assets | 0.0653% | 4,603 |
| Net operating income to assets | 0.9407% | 2,744 |
| Return on assets (ROA) | 0.9407% | 2,949 |
| Pretax return on assets | 1.2150% | 2,858 |
| Return on Equity (ROE) | 9.0339% | 2,809 |
| Retained earnings to average equity (ytd only) | 9.0339% | 1,579 |
| Net charge-offs to loans | -0.0500% | 6,530 |
| Credit loss provision to net charge-offs | -208.3333% | 5,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9017% | 3,835 |
| Assets per employee ($millions) | 3.3527% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 5,032 |
| Loan loss allowance to noncurrent loans | 87.6623% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.1678% | 4,178 |
| Noncurrent loans to loans | 1.4806% | 3,898 |
| Net loans and leases to total assets | 59.9103% | 3,686 |
| Net loans and leases to deposits | 78.0352% | 2,497 |
| Net loans and leases to core deposits | 79.4019% | 3,126 |
| Total domestic deposits to total assets | 76.7734% | 6,434 |
| Equity capital to assets | 10.4238% | 3,591 |
| Core capital (leverage) ratio | 9.9917% | 3,373 |
| Tier 1 risk-based capital ratio | 14.9901% | 3,769 |
| Total risk-based capital ratio | 16.1781% | 3,768 |
| Memoranda: | ||
| Average total assets | $153,083,000 | 3,821 |
| Average earning assets | $140,558,500 | 3,803 |
| Average equity | $15,940,000 | 3,826 |
| Average total loans | $96,024,000 | 3,688 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7954% | 3,835 |
| Cost of funding earning assets | 1.4040% | 1,017 |
| Net interest margin | 3.3914% | 5,508 |
| Noninterest income to average assets | 0.6748% | 2,755 |
| Noninterest expense to average assets | 2.7975% | 4,355 |
| Loan and lease loss provision to assets | 0.3030% | 3,242 |
| Net operating income to assets | 0.7697% | 3,180 |
| Return on assets (ROA) | 0.7697% | 3,339 |
| Pretax return on assets | 0.6862% | 4,382 |
| Return on Equity (ROE) | 7.5795% | 3,113 |
| Retained earnings to average equity (ytd only) | 4.9270% | 2,695 |
| Net charge-offs to loans | 1.2501% | 1,333 |
| Credit loss provision to net charge-offs | 35.5450% | 5,704 |
| Earnings coverage of net charge-offs (x) | 1.1603% | 4,921 |
| Efficiency ratio | 73.8752% | 3,260 |
| Assets per employee ($millions) | 3.5335% | 4,932 |
| Cash dividends to net income (ytd only)* | 34.9956% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 5,403 |
| Loan loss allowance to noncurrent loans | 81.9763% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.2288% | 4,180 |
| Noncurrent loans to loans | 1.4598% | 3,972 |
| Net loans and leases to total assets | 64.0106% | 3,191 |
| Net loans and leases to deposits | 83.4841% | 1,988 |
| Net loans and leases to core deposits | 88.0419% | 2,371 |
| Total domestic deposits to total assets | 76.6740% | 6,382 |
| Equity capital to assets | 10.4013% | 3,650 |
| Core capital (leverage) ratio | 9.9404% | 3,404 |
| Tier 1 risk-based capital ratio | 14.6097% | 3,898 |
| Total risk-based capital ratio | 15.7593% | 3,944 |
| Memoranda: | ||
| Average total assets | $148,490,800 | 3,830 |
| Average earning assets | $136,255,000 | 3,816 |
| Average equity | $15,080,200 | 3,892 |
| Average total loans | $101,270,200 | 3,588 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8523% | 3,770 |
| Cost of funding earning assets | 1.4399% | 1,068 |
| Net interest margin | 3.4124% | 5,532 |
| Noninterest income to average assets | 0.6467% | 2,904 |
| Noninterest expense to average assets | 2.8025% | 4,336 |
| Loan and lease loss provision to assets | 0.3549% | 2,746 |
| Net operating income to assets | 0.6611% | 3,819 |
| Return on assets (ROA) | 0.6611% | 3,993 |
| Pretax return on assets | 0.6250% | 4,727 |
| Return on Equity (ROE) | 6.5505% | 3,738 |
| Retained earnings to average equity (ytd only) | 4.7608% | 3,342 |
| Net charge-offs to loans | 1.6055% | 884 |
| Credit loss provision to net charge-offs | 32.0033% | 5,380 |
| Earnings coverage of net charge-offs (x) | 0.8836% | 4,957 |
| Efficiency ratio | 74.0926% | 3,161 |
| Assets per employee ($millions) | 3.5330% | 4,918 |
| Cash dividends to net income (ytd only)* | 27.3223% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 5,588 |
| Loan loss allowance to noncurrent loans | 78.5763% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.5930% | 3,701 |
| Noncurrent loans to loans | 1.4895% | 4,063 |
| Net loans and leases to total assets | 64.4192% | 3,226 |
| Net loans and leases to deposits | 83.9322% | 2,014 |
| Net loans and leases to core deposits | 89.2131% | 2,337 |
| Total domestic deposits to total assets | 76.7514% | 6,414 |
| Equity capital to assets | 10.1896% | 4,101 |
| Core capital (leverage) ratio | 9.9918% | 3,455 |
| Tier 1 risk-based capital ratio | 13.4000% | 4,807 |
| Total risk-based capital ratio | 14.4523% | 4,927 |
| Memoranda: | ||
| Average total assets | $147,628,000 | 3,863 |
| Average earning assets | $135,657,750 | 3,846 |
| Average equity | $14,899,250 | 3,937 |
| Average total loans | $101,978,500 | 3,598 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9179% | 3,541 |
| Cost of funding earning assets | 1.4858% | 1,054 |
| Net interest margin | 3.4321% | 5,435 |
| Noninterest income to average assets | 0.8003% | 2,013 |
| Noninterest expense to average assets | 2.9262% | 3,919 |
| Loan and lease loss provision to assets | 0.4446% | 2,213 |
| Net operating income to assets | 0.5800% | 4,158 |
| Return on assets (ROA) | 0.5800% | 4,286 |
| Pretax return on assets | 0.5800% | 4,810 |
| Return on Equity (ROE) | 5.7665% | 4,075 |
| Retained earnings to average equity (ytd only) | 3.0464% | 4,341 |
| Net charge-offs to loans | 2.3601% | 530 |
| Credit loss provision to net charge-offs | 26.7490% | 5,037 |
| Earnings coverage of net charge-offs (x) | 0.6165% | 4,837 |
| Efficiency ratio | 74.0651% | 3,352 |
| Assets per employee ($millions) | 3.3111% | 5,402 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 5,966 |
| Loan loss allowance to noncurrent loans | 88.8889% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.5533% | 3,864 |
| Noncurrent loans to loans | 1.2351% | 4,598 |
| Net loans and leases to total assets | 68.2627% | 2,568 |
| Net loans and leases to deposits | 92.3700% | 1,011 |
| Net loans and leases to core deposits | 100.4830% | 1,301 |
| Total domestic deposits to total assets | 73.9014% | 6,850 |
| Equity capital to assets | 10.2450% | 3,823 |
| Core capital (leverage) ratio | 9.8988% | 3,389 |
| Tier 1 risk-based capital ratio | 13.2527% | 4,725 |
| Total risk-based capital ratio | 14.2651% | 4,885 |
| Memoranda: | ||
| Average total assets | $146,197,670 | 3,915 |
| Average earning assets | $134,204,670 | 3,904 |
| Average equity | $14,705,670 | 3,959 |
| Average total loans | $102,963,330 | 3,607 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9234% | 3,460 |
| Cost of funding earning assets | 1.5032% | 1,151 |
| Net interest margin | 3.4202% | 5,351 |
| Noninterest income to average assets | 1.0106% | 1,296 |
| Noninterest expense to average assets | 2.9443% | 3,875 |
| Loan and lease loss provision to assets | 0.0328% | 5,561 |
| Net operating income to assets | 0.8904% | 2,612 |
| Return on assets (ROA) | 0.8904% | 2,675 |
| Pretax return on assets | 1.1717% | 2,473 |
| Return on Equity (ROE) | 8.9343% | 2,502 |
| Retained earnings to average equity (ytd only) | 8.9343% | 1,404 |
| Net charge-offs to loans | -0.0691% | 6,988 |
| Credit loss provision to net charge-offs | -66.6667% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9677% | 4,064 |
| Assets per employee ($millions) | 3.2669% | 5,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9312% | 2,591 |
| Loan loss allowance to noncurrent loans | 107.2034% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.4339% | 4,119 |
| Noncurrent loans to loans | 1.8014% | 3,826 |
| Net loans and leases to total assets | 69.9154% | 2,143 |
| Net loans and leases to deposits | 94.8910% | 755 |
| Net loans and leases to core deposits | 103.2922% | 1,111 |
| Total domestic deposits to total assets | 73.6797% | 6,930 |
| Equity capital to assets | 10.0876% | 3,663 |
| Core capital (leverage) ratio | 10.0370% | 3,102 |
| Tier 1 risk-based capital ratio | 13.4718% | 4,440 |
| Total risk-based capital ratio | 14.7298% | 4,412 |
| Memoranda: | ||
| Average total assets | $146,451,500 | 3,944 |
| Average earning assets | $134,377,500 | 3,927 |
| Average equity | $14,595,500 | 3,974 |
| Average total loans | $104,167,000 | 3,620 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1592% | 3,807 |
| Cost of funding earning assets | 1.7493% | 1,380 |
| Net interest margin | 3.4099% | 5,590 |
| Noninterest income to average assets | 0.7121% | 2,774 |
| Noninterest expense to average assets | 2.6301% | 5,298 |
| Loan and lease loss provision to assets | 0.7481% | 2,196 |
| Net operating income to assets | 0.3018% | 4,934 |
| Return on assets (ROA) | 0.3186% | 5,037 |
| Pretax return on assets | 0.5022% | 4,617 |
| Return on Equity (ROE) | 3.1089% | 4,912 |
| Retained earnings to average equity (ytd only) | 0.4055% | 5,374 |
| Net charge-offs to loans | 0.3193% | 4,424 |
| Credit loss provision to net charge-offs | 324.3243% | 796 |
| Earnings coverage of net charge-offs (x) | 5.3063% | 2,663 |
| Efficiency ratio | 68.2423% | 4,509 |
| Assets per employee ($millions) | 3.2420% | 5,560 |
| Cash dividends to net income (ytd only)* | 86.9565% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9261% | 2,481 |
| Loan loss allowance to noncurrent loans | 91.3841% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.6327% | 3,855 |
| Noncurrent loans to loans | 2.1077% | 3,427 |
| Net loans and leases to total assets | 69.5944% | 2,635 |
| Net loans and leases to deposits | 93.5813% | 1,098 |
| Net loans and leases to core deposits | 101.8947% | 1,464 |
| Total domestic deposits to total assets | 74.3678% | 6,846 |
| Equity capital to assets | 9.8437% | 3,947 |
| Core capital (leverage) ratio | 9.7218% | 3,410 |
| Tier 1 risk-based capital ratio | 13.5210% | 4,182 |
| Total risk-based capital ratio | 14.7792% | 4,142 |
| Memoranda: | ||
| Average total assets | $144,367,800 | 3,979 |
| Average earning assets | $133,024,600 | 3,955 |
| Average equity | $14,796,200 | 3,972 |
| Average total loans | $104,300,400 | 3,675 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1956% | 3,856 |
| Cost of funding earning assets | 1.7927% | 1,444 |
| Net interest margin | 3.4028% | 5,675 |
| Noninterest income to average assets | 0.7741% | 2,361 |
| Noninterest expense to average assets | 2.6104% | 5,280 |
| Loan and lease loss provision to assets | 0.3889% | 3,565 |
| Net operating income to assets | 0.7250% | 3,297 |
| Return on assets (ROA) | 0.7528% | 3,364 |
| Pretax return on assets | 0.9491% | 3,370 |
| Return on Equity (ROE) | 7.2725% | 3,217 |
| Retained earnings to average equity (ytd only) | 5.4835% | 2,661 |
| Net charge-offs to loans | 0.4236% | 3,597 |
| Credit loss provision to net charge-offs | 126.5060% | 3,225 |
| Earnings coverage of net charge-offs (x) | 4.2379% | 3,142 |
| Efficiency ratio | 66.7061% | 4,709 |
| Assets per employee ($millions) | 3.3271% | 5,388 |
| Cash dividends to net income (ytd only)* | 24.6003% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 5,233 |
| Loan loss allowance to noncurrent loans | 51.0126% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 1.8901% | 3,626 |
| Noncurrent loans to loans | 2.4496% | 3,176 |
| Net loans and leases to total assets | 72.0647% | 2,238 |
| Net loans and leases to deposits | 104.9032% | 400 |
| Net loans and leases to core deposits | 111.3801% | 965 |
| Total domestic deposits to total assets | 68.6964% | 7,344 |
| Equity capital to assets | 10.5238% | 3,487 |
| Core capital (leverage) ratio | 10.0906% | 3,160 |
| Tier 1 risk-based capital ratio | 13.5213% | 4,188 |
| Total risk-based capital ratio | 14.7426% | 4,167 |
| Memoranda: | ||
| Average total assets | $143,987,000 | 4,037 |
| Average earning assets | $132,828,000 | 4,010 |
| Average equity | $14,905,000 | 4,011 |
| Average total loans | $104,494,000 | 3,725 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1311% | 4,294 |
| Cost of funding earning assets | 1.8059% | 1,619 |
| Net interest margin | 3.3252% | 5,924 |
| Noninterest income to average assets | 0.7375% | 2,468 |
| Noninterest expense to average assets | 2.6483% | 5,132 |
| Loan and lease loss provision to assets | 0.3771% | 3,450 |
| Net operating income to assets | 0.5924% | 3,910 |
| Return on assets (ROA) | 0.6327% | 3,858 |
| Pretax return on assets | 0.8283% | 3,784 |
| Return on Equity (ROE) | 6.1474% | 3,729 |
| Retained earnings to average equity (ytd only) | 3.4333% | 3,925 |
| Net charge-offs to loans | 0.3587% | 3,558 |
| Credit loss provision to net charge-offs | 145.1613% | 2,738 |
| Earnings coverage of net charge-offs (x) | 4.4355% | 2,953 |
| Efficiency ratio | 69.6803% | 4,250 |
| Assets per employee ($millions) | 3.2230% | 5,627 |
| Cash dividends to net income (ytd only)* | 44.1501% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 5,055 |
| Loan loss allowance to noncurrent loans | 35.9341% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 2.7187% | 2,655 |
| Noncurrent loans to loans | 3.5515% | 2,226 |
| Net loans and leases to total assets | 70.9923% | 2,661 |
| Net loans and leases to deposits | 100.1157% | 715 |
| Net loans and leases to core deposits | 105.5955% | 1,487 |
| Total domestic deposits to total assets | 70.9103% | 7,270 |
| Equity capital to assets | 10.1776% | 3,802 |
| Core capital (leverage) ratio | 9.9647% | 3,206 |
| Tier 1 risk-based capital ratio | 13.5749% | 4,021 |
| Total risk-based capital ratio | 14.8250% | 3,990 |
| Memoranda: | ||
| Average total assets | $143,185,330 | 4,071 |
| Average earning assets | $131,900,670 | 4,057 |
| Average equity | $14,738,000 | 4,042 |
| Average total loans | $103,714,670 | 3,776 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 4,065 |
| Cost of funding earning assets | 1.8103% | 1,835 |
| Net interest margin | 3.3821% | 5,656 |
| Noninterest income to average assets | 0.7957% | 2,043 |
| Noninterest expense to average assets | 2.1425% | 6,832 |
| Loan and lease loss provision to assets | 0.1687% | 4,841 |
| Net operating income to assets | 1.1936% | 1,559 |
| Return on assets (ROA) | 0.8520% | 2,837 |
| Pretax return on assets | 1.1388% | 2,589 |
| Return on Equity (ROE) | 8.2301% | 2,765 |
| Retained earnings to average equity (ytd only) | 8.2301% | 1,610 |
| Net charge-offs to loans | 0.1818% | 3,832 |
| Credit loss provision to net charge-offs | 127.6596% | 2,761 |
| Earnings coverage of net charge-offs (x) | 13.3404% | 1,505 |
| Efficiency ratio | 54.8596% | 6,901 |
| Assets per employee ($millions) | 3.3092% | 5,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 5,358 |
| Loan loss allowance to noncurrent loans | 74.2925% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.3289% | 4,530 |
| Noncurrent loans to loans | 1.6507% | 4,273 |
| Net loans and leases to total assets | 69.6995% | 3,009 |
| Net loans and leases to deposits | 99.0165% | 822 |
| Net loans and leases to core deposits | 104.9873% | 1,659 |
| Total domestic deposits to total assets | 70.3918% | 7,385 |
| Equity capital to assets | 10.2325% | 3,557 |
| Core capital (leverage) ratio | 10.2934% | 2,820 |
| Tier 1 risk-based capital ratio | 13.9762% | 3,666 |
| Total risk-based capital ratio | 15.1932% | 3,657 |
| Memoranda: | ||
| Average total assets | $142,261,000 | 4,151 |
| Average earning assets | $130,808,000 | 4,136 |
| Average equity | $14,726,500 | 4,074 |
| Average total loans | $103,425,000 | 3,841 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5673% | 3,768 |
| Cost of funding earning assets | 2.1109% | 2,413 |
| Net interest margin | 3.4565% | 5,142 |
| Noninterest income to average assets | 0.7082% | 2,913 |
| Noninterest expense to average assets | 2.7800% | 5,051 |
| Loan and lease loss provision to assets | 0.4115% | 4,343 |
| Net operating income to assets | 0.5948% | 3,351 |
| Return on assets (ROA) | 0.5948% | 3,432 |
| Pretax return on assets | 0.7154% | 3,521 |
| Return on Equity (ROE) | 5.7779% | 3,302 |
| Retained earnings to average equity (ytd only) | 5.0767% | 1,781 |
| Net charge-offs to loans | 0.3680% | 4,380 |
| Credit loss provision to net charge-offs | 146.1538% | 3,243 |
| Earnings coverage of net charge-offs (x) | 4.0026% | 3,105 |
| Efficiency ratio | 71.1567% | 4,419 |
| Assets per employee ($millions) | 3.0870% | 6,017 |
| Cash dividends to net income (ytd only)* | 12.1359% | 3,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 5,375 |
| Loan loss allowance to noncurrent loans | 103.9167% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 4,948 |
| Noncurrent loans to loans | 1.1527% | 5,026 |
| Net loans and leases to total assets | 74.0421% | 2,267 |
| Net loans and leases to deposits | 103.1530% | 689 |
| Net loans and leases to core deposits | 115.1247% | 2,404 |
| Total domestic deposits to total assets | 71.7788% | 7,265 |
| Equity capital to assets | 10.4768% | 3,207 |
| Core capital (leverage) ratio | 10.3114% | 2,775 |
| Tier 1 risk-based capital ratio | 13.8865% | 3,571 |
| Total risk-based capital ratio | 15.1088% | 3,540 |
| Memoranda: | ||
| Average total assets | $138,524,800 | 4,153 |
| Average earning assets | $128,194,600 | 4,126 |
| Average equity | $14,261,200 | 4,198 |
| Average total loans | $105,983,800 | 3,776 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5545% | 4,128 |
| Cost of funding earning assets | 2.1573% | 2,613 |
| Net interest margin | 3.3972% | 5,278 |
| Noninterest income to average assets | 0.7416% | 2,758 |
| Noninterest expense to average assets | 2.6873% | 5,382 |
| Loan and lease loss provision to assets | 0.2119% | 5,291 |
| Net operating income to assets | 0.7908% | 2,851 |
| Return on assets (ROA) | 0.7908% | 2,915 |
| Pretax return on assets | 0.9959% | 2,919 |
| Return on Equity (ROE) | 7.7153% | 2,764 |
| Retained earnings to average equity (ytd only) | 7.7153% | 1,229 |
| Net charge-offs to loans | 0.1227% | 5,469 |
| Credit loss provision to net charge-offs | 224.4898% | 1,950 |
| Earnings coverage of net charge-offs (x) | 12.7963% | 1,727 |
| Efficiency ratio | 68.9911% | 4,787 |
| Assets per employee ($millions) | 3.0195% | 6,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 5,648 |
| Loan loss allowance to noncurrent loans | 125.1579% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.8920% | 5,294 |
| Noncurrent loans to loans | 0.8891% | 5,505 |
| Net loans and leases to total assets | 76.0742% | 1,984 |
| Net loans and leases to deposits | 109.8207% | 468 |
| Net loans and leases to core deposits | 126.1780% | 1,716 |
| Total domestic deposits to total assets | 69.2713% | 7,476 |
| Equity capital to assets | 10.6439% | 3,352 |
| Core capital (leverage) ratio | 10.3930% | 2,890 |
| Tier 1 risk-based capital ratio | 12.8584% | 4,288 |
| Total risk-based capital ratio | 13.9303% | 4,360 |
| Memoranda: | ||
| Average total assets | $138,426,750 | 4,170 |
| Average earning assets | $128,493,250 | 4,136 |
| Average equity | $14,188,000 | 4,246 |
| Average total loans | $106,453,750 | 3,811 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 4,282 |
| Cost of funding earning assets | 2.2021% | 2,781 |
| Net interest margin | 3.3584% | 5,326 |
| Noninterest income to average assets | 0.8129% | 2,350 |
| Noninterest expense to average assets | 2.6253% | 5,636 |
| Loan and lease loss provision to assets | 0.2314% | 4,734 |
| Net operating income to assets | 0.8751% | 2,560 |
| Return on assets (ROA) | 0.8751% | 2,661 |
| Pretax return on assets | 1.0819% | 2,699 |
| Return on Equity (ROE) | 8.6494% | 2,497 |
| Retained earnings to average equity (ytd only) | 8.6494% | 1,023 |
| Net charge-offs to loans | 0.1956% | 4,313 |
| Credit loss provision to net charge-offs | 153.8462% | 2,983 |
| Earnings coverage of net charge-offs (x) | 8.7308% | 2,221 |
| Efficiency ratio | 66.6544% | 5,425 |
| Assets per employee ($millions) | 3.1887% | 5,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 5,809 |
| Loan loss allowance to noncurrent loans | 422.1805% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 6,529 |
| Noncurrent loans to loans | 0.2525% | 6,884 |
| Net loans and leases to total assets | 74.3003% | 2,623 |
| Net loans and leases to deposits | 113.4974% | 421 |
| Net loans and leases to core deposits | 130.5057% | 1,523 |
| Total domestic deposits to total assets | 65.4643% | 7,768 |
| Equity capital to assets | 10.1852% | 3,736 |
| Core capital (leverage) ratio | 10.0753% | 3,214 |
| Tier 1 risk-based capital ratio | 13.3670% | 3,887 |
| Total risk-based capital ratio | 14.4355% | 3,930 |
| Memoranda: | ||
| Average total assets | $138,270,330 | 4,211 |
| Average earning assets | $128,692,670 | 4,170 |
| Average equity | $13,989,330 | 4,307 |
| Average total loans | $106,320,670 | 3,846 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6511% | 4,043 |
| Cost of funding earning assets | 2.2404% | 2,957 |
| Net interest margin | 3.4107% | 5,095 |
| Noninterest income to average assets | 0.9122% | 1,803 |
| Noninterest expense to average assets | 2.6112% | 5,412 |
| Loan and lease loss provision to assets | 0.0874% | 5,842 |
| Net operating income to assets | 1.1103% | 1,920 |
| Return on assets (ROA) | 1.1103% | 2,048 |
| Pretax return on assets | 1.3901% | 1,997 |
| Return on Equity (ROE) | 11.0124% | 1,960 |
| Retained earnings to average equity (ytd only) | 11.0124% | 967 |
| Net charge-offs to loans | -0.0075% | 7,238 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8632% | 5,715 |
| Assets per employee ($millions) | 3.5206% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 5,900 |
| Loan loss allowance to noncurrent loans | 60.7182% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.3182% | 4,030 |
| Noncurrent loans to loans | 1.7045% | 3,701 |
| Net loans and leases to total assets | 76.5404% | 2,150 |
| Net loans and leases to deposits | 115.7437% | 394 |
| Net loans and leases to core deposits | 136.8202% | 1,256 |
| Total domestic deposits to total assets | 66.1292% | 7,724 |
| Equity capital to assets | 10.2561% | 3,704 |
| Core capital (leverage) ratio | 10.0366% | 3,370 |
| Tier 1 risk-based capital ratio | 12.9074% | 4,243 |
| Total risk-based capital ratio | 13.9336% | 4,328 |
| Memoranda: | ||
| Average total assets | $137,255,000 | 4,245 |
| Average earning assets | $127,832,500 | 4,196 |
| Average equity | $13,839,000 | 4,375 |
| Average total loans | $106,797,500 | 3,865 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3309% | 3,785 |
| Cost of funding earning assets | 2.6418% | 3,472 |
| Net interest margin | 3.6890% | 4,516 |
| Noninterest income to average assets | 0.6941% | 3,153 |
| Noninterest expense to average assets | 2.6204% | 5,576 |
| Loan and lease loss provision to assets | 0.1460% | 5,491 |
| Net operating income to assets | 1.0647% | 2,281 |
| Return on assets (ROA) | 1.0654% | 2,188 |
| Pretax return on assets | 1.3267% | 2,216 |
| Return on Equity (ROE) | 10.6222% | 2,039 |
| Retained earnings to average equity (ytd only) | 9.8558% | 472 |
| Net charge-offs to loans | 0.3813% | 2,925 |
| Credit loss provision to net charge-offs | 49.7382% | 6,352 |
| Earnings coverage of net charge-offs (x) | 5.0131% | 3,782 |
| Efficiency ratio | 64.0308% | 5,550 |
| Assets per employee ($millions) | 3.8113% | 3,933 |
| Cash dividends to net income (ytd only)* | 7.2150% | 4,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 6,118 |
| Loan loss allowance to noncurrent loans | 187.5220% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 5,978 |
| Noncurrent loans to loans | 0.5298% | 5,768 |
| Net loans and leases to total assets | 77.5010% | 2,263 |
| Net loans and leases to deposits | 114.2562% | 602 |
| Net loans and leases to core deposits | 132.8768% | 1,664 |
| Total domestic deposits to total assets | 67.8309% | 7,486 |
| Equity capital to assets | 9.9092% | 4,146 |
| Core capital (leverage) ratio | 10.2055% | 3,261 |
| Tier 1 risk-based capital ratio | 12.5194% | 4,423 |
| Total risk-based capital ratio | 13.5131% | 4,506 |
| Memoranda: | ||
| Average total assets | $130,096,400 | 4,283 |
| Average earning assets | $119,841,200 | 4,262 |
| Average equity | $13,048,200 | 4,558 |
| Average total loans | $100,179,800 | 3,943 |