Home > Citizens State Bank of New Castle, Indiana > Performance and Condition Ratios
Citizens State Bank of New Castle, Indiana, 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 | 4.3113% | 3,425 |
| Cost of funding earning assets | 1.1062% | 3,052 |
| Net interest margin | 3.2051% | 2,863 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.5832% | 2,060 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.8892% | 2,581 |
| Return on assets (ROA) | 0.8678% | 2,614 |
| Pretax return on assets | 1.0822% | 2,462 |
| Return on Equity (ROE) | 9.6200% | 2,604 |
| Retained earnings to average equity (ytd only) | 7.8232% | 1,596 |
| Net charge-offs to loans | 0.0891% | 982 |
| Credit loss provision to net charge-offs | 268.1698% | 1,020 |
| Earnings coverage of net charge-offs (x) | 26.1751% | 1,716 |
| Efficiency ratio | 67.6140% | 2,152 |
| Assets per employee ($millions) | 6.0076% | 2,819 |
| Cash dividends to net income (ytd only)* | 18.6389% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 1,318 |
| Loan loss allowance to noncurrent loans | 1,284.7561% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 3,163 |
| Noncurrent loans to loans | 0.1105% | 2,981 |
| Net loans and leases to total assets | 54.9400% | 3,283 |
| Net loans and leases to deposits | 63.4641% | 3,318 |
| Net loans and leases to core deposits | 64.9650% | 3,545 |
| Total domestic deposits to total assets | 86.5700% | 1,824 |
| Equity capital to assets | 9.4641% | 2,372 |
| Core capital (leverage) ratio | 9.8229% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5962% | 977 |
| Memoranda: | ||
| Average total assets | $797,531,200 | 1,191 |
| Average earning assets | $757,177,800 | 1,160 |
| Average equity | $71,978,200 | 1,219 |
| Average total loans | $422,921,400 | 1,417 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 3,467 |
| Cost of funding earning assets | 1.0295% | 2,950 |
| Net interest margin | 3.1690% | 2,985 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.5558% | 2,065 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.8434% | 2,883 |
| Return on assets (ROA) | 0.8789% | 2,741 |
| Pretax return on assets | 1.1143% | 2,526 |
| Return on Equity (ROE) | 9.8600% | 2,675 |
| Retained earnings to average equity (ytd only) | 8.0428% | 1,954 |
| Net charge-offs to loans | 0.0623% | 1,037 |
| Credit loss provision to net charge-offs | 336.9231% | 818 |
| Earnings coverage of net charge-offs (x) | 36.2205% | 1,501 |
| Efficiency ratio | 68.3897% | 1,975 |
| Assets per employee ($millions) | 5.5806% | 3,115 |
| Cash dividends to net income (ytd only)* | 18.4206% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 1,339 |
| Loan loss allowance to noncurrent loans | 877.1755% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 2,994 |
| Noncurrent loans to loans | 0.1628% | 2,732 |
| Net loans and leases to total assets | 53.5600% | 3,396 |
| Net loans and leases to deposits | 61.6370% | 3,425 |
| Net loans and leases to core deposits | 63.0929% | 3,572 |
| Total domestic deposits to total assets | 86.8900% | 1,923 |
| Equity capital to assets | 9.2234% | 2,280 |
| Core capital (leverage) ratio | 9.7128% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5248% | 1,017 |
| Memoranda: | ||
| Average total assets | $797,159,750 | 1,188 |
| Average earning assets | $757,623,250 | 1,161 |
| Average equity | $71,067,750 | 1,228 |
| Average total loans | $417,320,750 | 1,425 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 3,525 |
| Cost of funding earning assets | 0.9304% | 2,833 |
| Net interest margin | 3.1509% | 3,101 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.5556% | 2,046 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.8193% | 3,023 |
| Return on assets (ROA) | 0.8193% | 3,032 |
| Pretax return on assets | 1.0392% | 2,800 |
| Return on Equity (ROE) | 9.3000% | 2,889 |
| Retained earnings to average equity (ytd only) | 7.4638% | 2,140 |
| Net charge-offs to loans | 0.0736% | 836 |
| Credit loss provision to net charge-offs | 269.0789% | 917 |
| Earnings coverage of net charge-offs (x) | 30.0789% | 1,548 |
| Efficiency ratio | 69.0621% | 1,861 |
| Assets per employee ($millions) | 5.7094% | 2,958 |
| Cash dividends to net income (ytd only)* | 19.7127% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 1,491 |
| Loan loss allowance to noncurrent loans | 1,113.1086% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 3,103 |
| Noncurrent loans to loans | 0.1268% | 2,838 |
| Net loans and leases to total assets | 51.5800% | 3,442 |
| Net loans and leases to deposits | 59.0620% | 3,477 |
| Net loans and leases to core deposits | 60.3837% | 3,608 |
| Total domestic deposits to total assets | 87.3300% | 1,822 |
| Equity capital to assets | 8.9542% | 2,544 |
| Core capital (leverage) ratio | 9.5281% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5129% | 1,034 |
| Memoranda: | ||
| Average total assets | $798,729,667 | 1,183 |
| Average earning assets | $759,907,000 | 1,155 |
| Average equity | $70,393,333 | 1,232 |
| Average total loans | $412,912,000 | 1,423 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9423% | 3,579 |
| Cost of funding earning assets | 0.7696% | 2,841 |
| Net interest margin | 3.1727% | 3,178 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.6848% | 1,717 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.7104% | 3,439 |
| Return on assets (ROA) | 0.7104% | 3,395 |
| Pretax return on assets | 0.8975% | 3,246 |
| Return on Equity (ROE) | 8.1300% | 3,257 |
| Retained earnings to average equity (ytd only) | 6.2690% | 2,688 |
| Net charge-offs to loans | 0.0548% | 819 |
| Credit loss provision to net charge-offs | 451.7857% | 582 |
| Earnings coverage of net charge-offs (x) | 36.3929% | 1,226 |
| Efficiency ratio | 72.3773% | 1,507 |
| Assets per employee ($millions) | 5.3723% | 3,347 |
| Cash dividends to net income (ytd only)* | 22.8592% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 1,560 |
| Loan loss allowance to noncurrent loans | 2,261.5385% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 3,456 |
| Noncurrent loans to loans | 0.0626% | 3,286 |
| Net loans and leases to total assets | 51.1100% | 3,411 |
| Net loans and leases to deposits | 58.4353% | 3,430 |
| Net loans and leases to core deposits | 59.6786% | 3,554 |
| Total domestic deposits to total assets | 87.4700% | 2,102 |
| Equity capital to assets | 8.8314% | 2,644 |
| Core capital (leverage) ratio | 9.4211% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3306% | 1,104 |
| Memoranda: | ||
| Average total assets | $795,585,000 | 1,199 |
| Average earning assets | $756,710,500 | 1,174 |
| Average equity | $69,548,500 | 1,252 |
| Average total loans | $408,792,500 | 1,451 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3222% | 3,533 |
| Cost of funding earning assets | 0.2055% | 3,708 |
| Net interest margin | 3.1167% | 3,123 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.4913% | 2,146 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9160% | 2,890 |
| Return on assets (ROA) | 0.9160% | 2,836 |
| Pretax return on assets | 1.1551% | 2,586 |
| Return on Equity (ROE) | 10.7700% | 2,554 |
| Retained earnings to average equity (ytd only) | 8.8392% | 1,527 |
| Net charge-offs to loans | 0.0927% | 764 |
| Credit loss provision to net charge-offs | 27.8409% | 1,905 |
| Earnings coverage of net charge-offs (x) | 26.0710% | 1,760 |
| Efficiency ratio | 68.0900% | 1,951 |
| Assets per employee ($millions) | 5.3067% | 3,414 |
| Cash dividends to net income (ytd only)* | 17.9167% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7776% | 685 |
| Loan loss allowance to noncurrent loans | 2,806.2745% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 3,486 |
| Noncurrent loans to loans | 0.0633% | 3,293 |
| Net loans and leases to total assets | 50.0100% | 3,501 |
| Net loans and leases to deposits | 55.1191% | 3,622 |
| Net loans and leases to core deposits | 55.9476% | 3,720 |
| Total domestic deposits to total assets | 90.7300% | 1,049 |
| Equity capital to assets | 8.6511% | 2,595 |
| Core capital (leverage) ratio | 9.1657% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2940% | 1,083 |
| Memoranda: | ||
| Average total assets | $786,012,600 | 1,201 |
| Average earning assets | $741,947,200 | 1,174 |
| Average equity | $66,861,000 | 1,296 |
| Average total loans | $379,826,600 | 1,457 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1865% | 3,466 |
| Cost of funding earning assets | 0.1174% | 4,142 |
| Net interest margin | 3.0691% | 3,022 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.4108% | 2,286 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9396% | 2,712 |
| Return on assets (ROA) | 0.9396% | 2,678 |
| Pretax return on assets | 1.1870% | 2,419 |
| Return on Equity (ROE) | 11.0900% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.1520% | 1,598 |
| Net charge-offs to loans | 0.0752% | 776 |
| Credit loss provision to net charge-offs | 37.9147% | 1,574 |
| Earnings coverage of net charge-offs (x) | 33.4929% | 1,468 |
| Efficiency ratio | 66.7560% | 2,187 |
| Assets per employee ($millions) | 5.2035% | 3,499 |
| Cash dividends to net income (ytd only)* | 17.5014% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8590% | 649 |
| Loan loss allowance to noncurrent loans | 1,890.9091% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,399 |
| Noncurrent loans to loans | 0.0983% | 3,177 |
| Net loans and leases to total assets | 49.2400% | 3,513 |
| Net loans and leases to deposits | 54.2131% | 3,587 |
| Net loans and leases to core deposits | 54.8971% | 3,693 |
| Total domestic deposits to total assets | 90.8300% | 1,306 |
| Equity capital to assets | 8.5394% | 2,519 |
| Core capital (leverage) ratio | 9.2262% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4052% | 1,103 |
| Memoranda: | ||
| Average total assets | $784,841,500 | 1,208 |
| Average earning assets | $739,568,500 | 1,185 |
| Average equity | $66,475,250 | 1,314 |
| Average total loans | $374,140,250 | 1,471 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0723% | 3,369 |
| Cost of funding earning assets | 0.0833% | 4,341 |
| Net interest margin | 2.9889% | 2,913 |
| Noninterest income to average assets | 0.7369% | 1,211 |
| Noninterest expense to average assets | 2.3877% | 2,265 |
| Loan and lease loss provision to assets | 0.0153% | 2,325 |
| Net operating income to assets | 0.9134% | 2,526 |
| Return on assets (ROA) | 0.9134% | 2,495 |
| Pretax return on assets | 1.1528% | 2,234 |
| Return on Equity (ROE) | 10.8136% | 2,045 |
| Retained earnings to average equity (ytd only) | 8.8713% | 1,326 |
| Net charge-offs to loans | 0.0836% | 654 |
| Credit loss provision to net charge-offs | 38.9610% | 1,535 |
| Earnings coverage of net charge-offs (x) | 29.8182% | 1,392 |
| Efficiency ratio | 67.1507% | 2,363 |
| Assets per employee ($millions) | 5.2389% | 3,484 |
| Cash dividends to net income (ytd only)* | 17.9616% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9207% | 634 |
| Loan loss allowance to noncurrent loans | 2,210.5740% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,552 |
| Noncurrent loans to loans | 0.0869% | 3,343 |
| Net loans and leases to total assets | 48.8507% | 3,479 |
| Net loans and leases to deposits | 53.9377% | 3,539 |
| Net loans and leases to core deposits | 54.5001% | 3,669 |
| Total domestic deposits to total assets | 90.5687% | 1,430 |
| Equity capital to assets | 8.5814% | 2,701 |
| Core capital (leverage) ratio | 9.0862% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2197% | 1,143 |
| Memoranda: | ||
| Average total assets | $786,281,333 | 1,204 |
| Average earning assets | $741,539,667 | 1,197 |
| Average equity | $66,416,333 | 1,339 |
| Average total loans | $368,318,667 | 1,480 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9633% | 3,362 |
| Cost of funding earning assets | 0.0754% | 4,398 |
| Net interest margin | 2.8879% | 2,879 |
| Noninterest income to average assets | 0.7292% | 1,224 |
| Noninterest expense to average assets | 2.3088% | 2,472 |
| Loan and lease loss provision to assets | 0.0151% | 2,078 |
| Net operating income to assets | 0.8792% | 2,368 |
| Return on assets (ROA) | 0.8792% | 2,369 |
| Pretax return on assets | 1.1125% | 2,101 |
| Return on Equity (ROE) | 11.2463% | 1,530 |
| Retained earnings to average equity (ytd only) | 9.1598% | 1,230 |
| Net charge-offs to loans | 0.0961% | 539 |
| Credit loss provision to net charge-offs | 34.4828% | 1,245 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,198 |
| Efficiency ratio | 67.1859% | 2,606 |
| Assets per employee ($millions) | 5.3465% | 3,450 |
| Cash dividends to net income (ytd only)* | 18.5526% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0267% | 596 |
| Loan loss allowance to noncurrent loans | 2,703.6765% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 3,669 |
| Noncurrent loans to loans | 0.0750% | 3,469 |
| Net loans and leases to total assets | 45.5426% | 3,617 |
| Net loans and leases to deposits | 49.4593% | 3,773 |
| Net loans and leases to core deposits | 49.9769% | 3,874 |
| Total domestic deposits to total assets | 92.0810% | 544 |
| Equity capital to assets | 7.2712% | 4,064 |
| Core capital (leverage) ratio | 8.4955% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0148% | 1,249 |
| Memoranda: | ||
| Average total assets | $792,100,500 | 1,201 |
| Average earning assets | $742,539,500 | 1,201 |
| Average equity | $61,922,500 | 1,444 |
| Average total loans | $361,996,000 | 1,485 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3563% | 3,035 |
| Cost of funding earning assets | 0.0978% | 4,396 |
| Net interest margin | 3.2584% | 2,438 |
| Noninterest income to average assets | 0.7330% | 1,653 |
| Noninterest expense to average assets | 2.4691% | 2,281 |
| Loan and lease loss provision to assets | 0.0595% | 1,871 |
| Net operating income to assets | 1.0003% | 2,661 |
| Return on assets (ROA) | 1.0003% | 2,733 |
| Pretax return on assets | 1.2878% | 2,398 |
| Return on Equity (ROE) | 11.5572% | 1,964 |
| Retained earnings to average equity (ytd only) | 9.5606% | 1,029 |
| Net charge-offs to loans | 0.0656% | 1,137 |
| Credit loss provision to net charge-offs | 177.6000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 40.2280% | 1,439 |
| Efficiency ratio | 64.6974% | 2,446 |
| Assets per employee ($millions) | 5.6994% | 3,053 |
| Cash dividends to net income (ytd only)* | 17.2760% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0521% | 567 |
| Loan loss allowance to noncurrent loans | 1,372.4074% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,480 |
| Noncurrent loans to loans | 0.1495% | 3,189 |
| Net loans and leases to total assets | 44.0171% | 3,837 |
| Net loans and leases to deposits | 48.2678% | 3,982 |
| Net loans and leases to core deposits | 48.8167% | 4,064 |
| Total domestic deposits to total assets | 91.1933% | 419 |
| Equity capital to assets | 8.3481% | 4,145 |
| Core capital (leverage) ratio | 8.2664% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2445% | 1,205 |
| Memoranda: | ||
| Average total assets | $746,478,200 | 1,230 |
| Average earning assets | $706,349,200 | 1,210 |
| Average equity | $64,609,000 | 1,437 |
| Average total loans | $381,005,600 | 1,425 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4125% | 3,064 |
| Cost of funding earning assets | 0.1033% | 4,471 |
| Net interest margin | 3.3092% | 2,394 |
| Noninterest income to average assets | 0.7420% | 1,690 |
| Noninterest expense to average assets | 2.4445% | 2,291 |
| Loan and lease loss provision to assets | 0.0769% | 1,524 |
| Net operating income to assets | 1.0492% | 2,733 |
| Return on assets (ROA) | 1.0492% | 2,798 |
| Pretax return on assets | 1.3475% | 2,494 |
| Return on Equity (ROE) | 12.0058% | 2,042 |
| Retained earnings to average equity (ytd only) | 9.9889% | 1,315 |
| Net charge-offs to loans | 0.0518% | 1,143 |
| Credit loss provision to net charge-offs | 281.3333% | 1,036 |
| Earnings coverage of net charge-offs (x) | 52.1467% | 1,218 |
| Efficiency ratio | 63.1837% | 2,511 |
| Assets per employee ($millions) | 5.3071% | 3,398 |
| Cash dividends to net income (ytd only)* | 16.7997% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 628 |
| Loan loss allowance to noncurrent loans | 1,337.5000% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 3,596 |
| Noncurrent loans to loans | 0.1496% | 3,371 |
| Net loans and leases to total assets | 48.3487% | 3,594 |
| Net loans and leases to deposits | 53.3261% | 3,789 |
| Net loans and leases to core deposits | 53.8750% | 3,929 |
| Total domestic deposits to total assets | 90.6661% | 483 |
| Equity capital to assets | 8.8287% | 3,978 |
| Core capital (leverage) ratio | 8.7703% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2950% | 1,290 |
| Memoranda: | ||
| Average total assets | $732,193,250 | 1,259 |
| Average earning assets | $691,826,750 | 1,247 |
| Average equity | $63,989,500 | 1,458 |
| Average total loans | $385,972,000 | 1,443 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3829% | 3,222 |
| Cost of funding earning assets | 0.1097% | 4,512 |
| Net interest margin | 3.2733% | 2,542 |
| Noninterest income to average assets | 0.7560% | 1,656 |
| Noninterest expense to average assets | 2.4015% | 2,459 |
| Loan and lease loss provision to assets | 0.0960% | 1,311 |
| Net operating income to assets | 1.0397% | 2,761 |
| Return on assets (ROA) | 1.0397% | 2,837 |
| Pretax return on assets | 1.3370% | 2,528 |
| Return on Equity (ROE) | 11.9393% | 2,087 |
| Retained earnings to average equity (ytd only) | 9.8912% | 1,429 |
| Net charge-offs to loans | 0.0549% | 1,074 |
| Credit loss provision to net charge-offs | 324.2991% | 859 |
| Earnings coverage of net charge-offs (x) | 48.4299% | 1,082 |
| Efficiency ratio | 62.6307% | 2,645 |
| Assets per employee ($millions) | 5.3840% | 3,253 |
| Cash dividends to net income (ytd only)* | 17.1543% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9554% | 665 |
| Loan loss allowance to noncurrent loans | 1,090.2047% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 3,595 |
| Noncurrent loans to loans | 0.1794% | 3,320 |
| Net loans and leases to total assets | 49.9622% | 3,559 |
| Net loans and leases to deposits | 55.0054% | 3,797 |
| Net loans and leases to core deposits | 55.6479% | 3,916 |
| Total domestic deposits to total assets | 90.8314% | 425 |
| Equity capital to assets | 8.6742% | 4,071 |
| Core capital (leverage) ratio | 8.5694% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9022% | 1,360 |
| Memoranda: | ||
| Average total assets | $723,287,000 | 1,259 |
| Average earning assets | $680,239,667 | 1,257 |
| Average equity | $62,985,333 | 1,466 |
| Average total loans | $389,824,667 | 1,439 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5067% | 2,904 |
| Cost of funding earning assets | 0.1127% | 4,568 |
| Net interest margin | 3.3940% | 2,129 |
| Noninterest income to average assets | 0.7755% | 1,646 |
| Noninterest expense to average assets | 2.4408% | 2,354 |
| Loan and lease loss provision to assets | 0.1351% | 1,002 |
| Net operating income to assets | 1.0648% | 2,593 |
| Return on assets (ROA) | 1.0648% | 2,671 |
| Pretax return on assets | 1.3862% | 2,320 |
| Return on Equity (ROE) | 12.2024% | 1,944 |
| Retained earnings to average equity (ytd only) | 10.1192% | 1,617 |
| Net charge-offs to loans | 0.0711% | 843 |
| Credit loss provision to net charge-offs | 342.8571% | 704 |
| Earnings coverage of net charge-offs (x) | 38.6143% | 989 |
| Efficiency ratio | 61.6051% | 2,822 |
| Assets per employee ($millions) | 5.4042% | 3,220 |
| Cash dividends to net income (ytd only)* | 17.0719% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9535% | 656 |
| Loan loss allowance to noncurrent loans | 1,000.9485% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 3,679 |
| Noncurrent loans to loans | 0.1952% | 3,411 |
| Net loans and leases to total assets | 50.8173% | 3,557 |
| Net loans and leases to deposits | 55.8346% | 3,801 |
| Net loans and leases to core deposits | 56.4630% | 3,943 |
| Total domestic deposits to total assets | 91.0139% | 392 |
| Equity capital to assets | 8.4511% | 4,151 |
| Core capital (leverage) ratio | 8.8528% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2063% | 1,246 |
| Memoranda: | ||
| Average total assets | $710,745,500 | 1,271 |
| Average earning assets | $667,287,500 | 1,266 |
| Average equity | $62,020,500 | 1,478 |
| Average total loans | $394,057,500 | 1,437 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9340% | 2,924 |
| Cost of funding earning assets | 0.2300% | 4,466 |
| Net interest margin | 3.7040% | 1,785 |
| Noninterest income to average assets | 0.7911% | 1,554 |
| Noninterest expense to average assets | 2.6814% | 2,295 |
| Loan and lease loss provision to assets | 0.3232% | 1,131 |
| Net operating income to assets | 0.9319% | 2,554 |
| Return on assets (ROA) | 0.9319% | 2,700 |
| Pretax return on assets | 1.2305% | 2,219 |
| Return on Equity (ROE) | 10.0158% | 2,001 |
| Retained earnings to average equity (ytd only) | 7.8480% | 1,099 |
| Net charge-offs to loans | 0.0752% | 1,732 |
| Credit loss provision to net charge-offs | 695.9596% | 997 |
| Earnings coverage of net charge-offs (x) | 33.4579% | 1,518 |
| Efficiency ratio | 63.3145% | 2,924 |
| Assets per employee ($millions) | 5.1253% | 3,259 |
| Cash dividends to net income (ytd only)* | 21.6443% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 932 |
| Loan loss allowance to noncurrent loans | 1,113.7346% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 3,848 |
| Noncurrent loans to loans | 0.1581% | 3,649 |
| Net loans and leases to total assets | 58.2095% | 3,060 |
| Net loans and leases to deposits | 64.3363% | 3,411 |
| Net loans and leases to core deposits | 65.1036% | 3,626 |
| Total domestic deposits to total assets | 90.4769% | 387 |
| Equity capital to assets | 9.0161% | 4,038 |
| Core capital (leverage) ratio | 8.7732% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8602% | 1,294 |
| Memoranda: | ||
| Average total assets | $639,581,800 | 1,275 |
| Average earning assets | $594,687,600 | 1,271 |
| Average equity | $59,505,800 | 1,453 |
| Average total loans | $394,934,000 | 1,375 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 2,907 |
| Cost of funding earning assets | 0.2638% | 4,456 |
| Net interest margin | 3.7585% | 1,737 |
| Noninterest income to average assets | 0.8045% | 1,480 |
| Noninterest expense to average assets | 2.7383% | 2,149 |
| Loan and lease loss provision to assets | 0.3607% | 1,034 |
| Net operating income to assets | 0.9132% | 2,646 |
| Return on assets (ROA) | 0.9132% | 2,775 |
| Pretax return on assets | 1.1952% | 2,404 |
| Return on Equity (ROE) | 9.7322% | 2,120 |
| Retained earnings to average equity (ytd only) | 7.5390% | 1,483 |
| Net charge-offs to loans | 0.0651% | 1,683 |
| Credit loss provision to net charge-offs | 887.4346% | 909 |
| Earnings coverage of net charge-offs (x) | 38.2775% | 1,396 |
| Efficiency ratio | 63.7675% | 2,776 |
| Assets per employee ($millions) | 5.1190% | 3,098 |
| Cash dividends to net income (ytd only)* | 22.5355% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 974 |
| Loan loss allowance to noncurrent loans | 947.0027% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 3,891 |
| Noncurrent loans to loans | 0.1749% | 3,681 |
| Net loans and leases to total assets | 61.0657% | 3,107 |
| Net loans and leases to deposits | 67.4861% | 3,515 |
| Net loans and leases to core deposits | 68.3060% | 3,742 |
| Total domestic deposits to total assets | 90.4863% | 288 |
| Equity capital to assets | 8.9954% | 4,127 |
| Core capital (leverage) ratio | 8.8547% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3603% | 1,172 |
| Memoranda: | ||
| Average total assets | $626,497,750 | 1,277 |
| Average earning assets | $581,710,250 | 1,275 |
| Average equity | $58,786,250 | 1,458 |
| Average total loans | $391,172,750 | 1,382 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 3,094 |
| Cost of funding earning assets | 0.3181% | 4,402 |
| Net interest margin | 3.7637% | 1,947 |
| Noninterest income to average assets | 0.8209% | 1,375 |
| Noninterest expense to average assets | 2.8386% | 2,002 |
| Loan and lease loss provision to assets | 0.3032% | 1,422 |
| Net operating income to assets | 0.8926% | 2,713 |
| Return on assets (ROA) | 0.8926% | 2,835 |
| Pretax return on assets | 1.1621% | 2,488 |
| Return on Equity (ROE) | 9.3702% | 2,214 |
| Retained earnings to average equity (ytd only) | 7.1506% | 1,593 |
| Net charge-offs to loans | 0.0796% | 1,453 |
| Credit loss provision to net charge-offs | 608.5526% | 1,096 |
| Earnings coverage of net charge-offs (x) | 29.4079% | 1,452 |
| Efficiency ratio | 65.9532% | 2,525 |
| Assets per employee ($millions) | 4.8929% | 3,312 |
| Cash dividends to net income (ytd only)* | 23.6871% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 1,299 |
| Loan loss allowance to noncurrent loans | 973.3959% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 4,038 |
| Noncurrent loans to loans | 0.1526% | 3,848 |
| Net loans and leases to total assets | 61.5332% | 3,166 |
| Net loans and leases to deposits | 67.9356% | 3,570 |
| Net loans and leases to core deposits | 68.6685% | 3,820 |
| Total domestic deposits to total assets | 90.5758% | 257 |
| Equity capital to assets | 8.9256% | 4,149 |
| Core capital (leverage) ratio | 8.9738% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5811% | 1,119 |
| Memoranda: | ||
| Average total assets | $610,093,667 | 1,277 |
| Average earning assets | $564,611,000 | 1,286 |
| Average equity | $58,120,667 | 1,458 |
| Average total loans | $381,704,333 | 1,389 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1727% | 3,311 |
| Cost of funding earning assets | 0.4307% | 4,232 |
| Net interest margin | 3.7421% | 2,173 |
| Noninterest income to average assets | 0.9221% | 1,022 |
| Noninterest expense to average assets | 2.9091% | 2,095 |
| Loan and lease loss provision to assets | 0.1517% | 1,876 |
| Net operating income to assets | 0.9911% | 2,204 |
| Return on assets (ROA) | 0.9911% | 2,304 |
| Pretax return on assets | 1.3132% | 1,837 |
| Return on Equity (ROE) | 10.0375% | 1,741 |
| Retained earnings to average equity (ytd only) | 7.7813% | 1,294 |
| Net charge-offs to loans | 0.0804% | 1,222 |
| Credit loss provision to net charge-offs | 301.3699% | 1,169 |
| Earnings coverage of net charge-offs (x) | 29.0959% | 1,202 |
| Efficiency ratio | 66.5090% | 2,884 |
| Assets per employee ($millions) | 4.0703% | 3,826 |
| Cash dividends to net income (ytd only)* | 22.4774% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 1,250 |
| Loan loss allowance to noncurrent loans | 940.1681% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 4,096 |
| Noncurrent loans to loans | 0.1625% | 3,879 |
| Net loans and leases to total assets | 61.9596% | 3,301 |
| Net loans and leases to deposits | 69.9660% | 3,594 |
| Net loans and leases to core deposits | 71.2393% | 3,799 |
| Total domestic deposits to total assets | 88.5567% | 857 |
| Equity capital to assets | 9.9892% | 3,795 |
| Core capital (leverage) ratio | 9.9891% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0758% | 1,329 |
| Memoranda: | ||
| Average total assets | $579,976,000 | 1,291 |
| Average earning assets | $534,999,500 | 1,299 |
| Average equity | $57,265,500 | 1,465 |
| Average total loans | $363,209,000 | 1,408 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2858% | 3,573 |
| Cost of funding earning assets | 0.6475% | 3,422 |
| Net interest margin | 3.6382% | 3,005 |
| Noninterest income to average assets | 0.9339% | 1,108 |
| Noninterest expense to average assets | 2.9641% | 2,115 |
| Loan and lease loss provision to assets | 0.1428% | 1,495 |
| Net operating income to assets | 0.9151% | 3,149 |
| Return on assets (ROA) | 0.9151% | 3,225 |
| Pretax return on assets | 1.2226% | 2,759 |
| Return on Equity (ROE) | 9.4509% | 2,544 |
| Retained earnings to average equity (ytd only) | 7.0482% | 1,369 |
| Net charge-offs to loans | 0.0876% | 1,867 |
| Credit loss provision to net charge-offs | 255.4839% | 1,072 |
| Earnings coverage of net charge-offs (x) | 24.4226% | 1,775 |
| Efficiency ratio | 68.4621% | 2,395 |
| Assets per employee ($millions) | 3.9855% | 3,916 |
| Cash dividends to net income (ytd only)* | 25.4237% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 1,188 |
| Loan loss allowance to noncurrent loans | 773.7216% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 4,016 |
| Noncurrent loans to loans | 0.1955% | 3,755 |
| Net loans and leases to total assets | 61.3843% | 3,462 |
| Net loans and leases to deposits | 68.4510% | 3,783 |
| Net loans and leases to core deposits | 69.6732% | 3,976 |
| Total domestic deposits to total assets | 89.6763% | 438 |
| Equity capital to assets | 9.7575% | 4,145 |
| Core capital (leverage) ratio | 9.7344% | 3,810 |
| Tier 1 risk-based capital ratio | 15.6549% | 2,522 |
| Total risk-based capital ratio | 16.9079% | 2,458 |
| Memoranda: | ||
| Average total assets | $554,476,600 | 1,296 |
| Average earning assets | $517,502,000 | 1,295 |
| Average equity | $53,687,800 | 1,506 |
| Average total loans | $353,858,400 | 1,403 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 3,645 |
| Cost of funding earning assets | 0.6998% | 3,227 |
| Net interest margin | 3.6026% | 3,241 |
| Noninterest income to average assets | 0.9383% | 1,068 |
| Noninterest expense to average assets | 3.0014% | 1,978 |
| Loan and lease loss provision to assets | 0.1587% | 1,188 |
| Net operating income to assets | 0.8632% | 3,473 |
| Return on assets (ROA) | 0.8632% | 3,550 |
| Pretax return on assets | 1.1376% | 3,177 |
| Return on Equity (ROE) | 8.9335% | 2,918 |
| Retained earnings to average equity (ytd only) | 6.4989% | 2,119 |
| Net charge-offs to loans | 0.0954% | 1,522 |
| Credit loss provision to net charge-offs | 259.1270% | 1,058 |
| Earnings coverage of net charge-offs (x) | 21.1668% | 1,926 |
| Efficiency ratio | 69.8371% | 2,140 |
| Assets per employee ($millions) | 3.8222% | 4,140 |
| Cash dividends to net income (ytd only)* | 27.2522% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 1,276 |
| Loan loss allowance to noncurrent loans | 598.1048% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 3,941 |
| Noncurrent loans to loans | 0.2488% | 3,653 |
| Net loans and leases to total assets | 63.2124% | 3,360 |
| Net loans and leases to deposits | 70.5352% | 3,732 |
| Net loans and leases to core deposits | 71.8642% | 3,959 |
| Total domestic deposits to total assets | 89.6183% | 408 |
| Equity capital to assets | 9.8076% | 4,205 |
| Core capital (leverage) ratio | 10.0000% | 3,646 |
| Tier 1 risk-based capital ratio | 15.3283% | 2,701 |
| Total risk-based capital ratio | 16.5810% | 2,633 |
| Memoranda: | ||
| Average total assets | $548,622,750 | 1,312 |
| Average earning assets | $511,579,750 | 1,312 |
| Average equity | $53,012,750 | 1,520 |
| Average total loans | $352,277,500 | 1,418 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 3,729 |
| Cost of funding earning assets | 0.7746% | 2,778 |
| Net interest margin | 3.4952% | 3,613 |
| Noninterest income to average assets | 0.9629% | 937 |
| Noninterest expense to average assets | 3.0124% | 1,973 |
| Loan and lease loss provision to assets | 0.1683% | 1,083 |
| Net operating income to assets | 0.7923% | 3,685 |
| Return on assets (ROA) | 0.7923% | 3,744 |
| Pretax return on assets | 1.0404% | 3,414 |
| Return on Equity (ROE) | 8.2423% | 3,178 |
| Retained earnings to average equity (ytd only) | 5.7765% | 2,384 |
| Net charge-offs to loans | 0.0996% | 1,378 |
| Credit loss provision to net charge-offs | 263.2184% | 980 |
| Earnings coverage of net charge-offs (x) | 18.9023% | 1,844 |
| Efficiency ratio | 71.3651% | 2,009 |
| Assets per employee ($millions) | 3.8195% | 4,096 |
| Cash dividends to net income (ytd only)* | 29.9165% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 1,328 |
| Loan loss allowance to noncurrent loans | 1,066.6667% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 4,321 |
| Noncurrent loans to loans | 0.1391% | 4,059 |
| Net loans and leases to total assets | 63.7992% | 3,363 |
| Net loans and leases to deposits | 71.2432% | 3,745 |
| Net loans and leases to core deposits | 72.8213% | 3,958 |
| Total domestic deposits to total assets | 89.5513% | 464 |
| Equity capital to assets | 9.8840% | 4,073 |
| Core capital (leverage) ratio | 9.8547% | 3,753 |
| Tier 1 risk-based capital ratio | 15.0592% | 2,812 |
| Total risk-based capital ratio | 16.3117% | 2,734 |
| Memoranda: | ||
| Average total assets | $544,210,000 | 1,323 |
| Average earning assets | $507,327,330 | 1,319 |
| Average equity | $52,315,330 | 1,530 |
| Average total loans | $349,526,330 | 1,443 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 3,959 |
| Cost of funding earning assets | 0.9542% | 1,775 |
| Net interest margin | 3.2136% | 4,364 |
| Noninterest income to average assets | 0.9352% | 954 |
| Noninterest expense to average assets | 2.9932% | 2,011 |
| Loan and lease loss provision to assets | 0.1767% | 948 |
| Net operating income to assets | 0.5861% | 4,282 |
| Return on assets (ROA) | 0.5861% | 4,314 |
| Pretax return on assets | 0.7710% | 4,116 |
| Return on Equity (ROE) | 6.1849% | 3,957 |
| Retained earnings to average equity (ytd only) | 3.6752% | 3,453 |
| Net charge-offs to loans | 0.0748% | 1,320 |
| Credit loss provision to net charge-offs | 369.2308% | 734 |
| Earnings coverage of net charge-offs (x) | 19.8000% | 1,582 |
| Efficiency ratio | 75.9529% | 1,504 |
| Assets per employee ($millions) | 3.6603% | 4,396 |
| Cash dividends to net income (ytd only)* | 40.5779% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 1,389 |
| Loan loss allowance to noncurrent loans | 650.6329% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 4,078 |
| Noncurrent loans to loans | 0.2278% | 3,764 |
| Net loans and leases to total assets | 62.6454% | 3,442 |
| Net loans and leases to deposits | 69.6988% | 3,783 |
| Net loans and leases to core deposits | 71.2398% | 3,993 |
| Total domestic deposits to total assets | 89.8800% | 496 |
| Equity capital to assets | 9.5473% | 4,212 |
| Core capital (leverage) ratio | 9.7720% | 3,841 |
| Tier 1 risk-based capital ratio | 15.0351% | 2,880 |
| Total risk-based capital ratio | 16.2876% | 2,792 |
| Memoranda: | ||
| Average total assets | $543,223,000 | 1,330 |
| Average earning assets | $508,083,500 | 1,323 |
| Average equity | $51,480,500 | 1,536 |
| Average total loans | $347,435,000 | 1,455 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1661% | 3,541 |
| Cost of funding earning assets | 0.3499% | 4,281 |
| Net interest margin | 3.8162% | 2,610 |
| Noninterest income to average assets | 0.9235% | 1,120 |
| Noninterest expense to average assets | 2.9970% | 2,048 |
| Loan and lease loss provision to assets | 0.2018% | 933 |
| Net operating income to assets | 0.9824% | 3,091 |
| Return on assets (ROA) | 0.9824% | 3,086 |
| Pretax return on assets | 1.3107% | 2,458 |
| Return on Equity (ROE) | 10.5192% | 2,273 |
| Retained earnings to average equity (ytd only) | 7.8771% | 1,290 |
| Net charge-offs to loans | 0.1888% | 1,015 |
| Credit loss provision to net charge-offs | 159.8485% | 1,738 |
| Earnings coverage of net charge-offs (x) | 11.9803% | 2,586 |
| Efficiency ratio | 66.4602% | 2,792 |
| Assets per employee ($millions) | 3.7837% | 4,205 |
| Cash dividends to net income (ytd only)* | 25.1168% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 1,534 |
| Loan loss allowance to noncurrent loans | 647.3272% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 4,118 |
| Noncurrent loans to loans | 0.2204% | 3,790 |
| Net loans and leases to total assets | 63.4137% | 3,415 |
| Net loans and leases to deposits | 70.4449% | 3,798 |
| Net loans and leases to core deposits | 72.2754% | 3,971 |
| Total domestic deposits to total assets | 90.0188% | 473 |
| Equity capital to assets | 9.4058% | 4,212 |
| Core capital (leverage) ratio | 9.6513% | 3,948 |
| Tier 1 risk-based capital ratio | 14.8625% | 2,898 |
| Total risk-based capital ratio | 16.1143% | 2,828 |
| Memoranda: | ||
| Average total assets | $522,790,000 | 1,347 |
| Average earning assets | $491,247,600 | 1,335 |
| Average equity | $48,825,000 | 1,543 |
| Average total loans | $349,593,200 | 1,407 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1228% | 3,561 |
| Cost of funding earning assets | 0.3167% | 4,400 |
| Net interest margin | 3.8061% | 2,624 |
| Noninterest income to average assets | 0.9363% | 1,087 |
| Noninterest expense to average assets | 3.0385% | 1,898 |
| Loan and lease loss provision to assets | 0.2264% | 724 |
| Net operating income to assets | 0.9373% | 3,360 |
| Return on assets (ROA) | 0.9373% | 3,365 |
| Pretax return on assets | 1.2522% | 2,802 |
| Return on Equity (ROE) | 10.0546% | 2,596 |
| Retained earnings to average equity (ytd only) | 7.3830% | 1,936 |
| Net charge-offs to loans | 0.1657% | 999 |
| Credit loss provision to net charge-offs | 202.2989% | 1,366 |
| Earnings coverage of net charge-offs (x) | 13.2114% | 2,385 |
| Efficiency ratio | 67.2666% | 2,669 |
| Assets per employee ($millions) | 3.6696% | 4,346 |
| Cash dividends to net income (ytd only)* | 26.5714% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 1,586 |
| Loan loss allowance to noncurrent loans | 683.1063% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 4,239 |
| Noncurrent loans to loans | 0.2096% | 3,960 |
| Net loans and leases to total assets | 65.7770% | 3,205 |
| Net loans and leases to deposits | 73.0359% | 3,673 |
| Net loans and leases to core deposits | 74.9210% | 3,886 |
| Total domestic deposits to total assets | 90.0611% | 492 |
| Equity capital to assets | 9.3933% | 4,188 |
| Core capital (leverage) ratio | 9.7646% | 3,886 |
| Tier 1 risk-based capital ratio | 14.5841% | 3,074 |
| Total risk-based capital ratio | 15.8362% | 2,996 |
| Memoranda: | ||
| Average total assets | $518,220,500 | 1,363 |
| Average earning assets | $487,550,500 | 1,348 |
| Average equity | $48,308,250 | 1,559 |
| Average total loans | $349,972,500 | 1,405 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 3,572 |
| Cost of funding earning assets | 0.3007% | 4,412 |
| Net interest margin | 3.7613% | 2,708 |
| Noninterest income to average assets | 0.9445% | 1,066 |
| Noninterest expense to average assets | 3.0428% | 1,931 |
| Loan and lease loss provision to assets | 0.2368% | 668 |
| Net operating income to assets | 0.9050% | 3,435 |
| Return on assets (ROA) | 0.9050% | 3,441 |
| Pretax return on assets | 1.1995% | 2,948 |
| Return on Equity (ROE) | 9.7331% | 2,692 |
| Retained earnings to average equity (ytd only) | 7.0445% | 2,055 |
| Net charge-offs to loans | 0.1703% | 916 |
| Credit loss provision to net charge-offs | 205.0336% | 1,284 |
| Earnings coverage of net charge-offs (x) | 12.4362% | 2,203 |
| Efficiency ratio | 67.9329% | 2,656 |
| Assets per employee ($millions) | 3.5101% | 4,580 |
| Cash dividends to net income (ytd only)* | 27.6231% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 1,819 |
| Loan loss allowance to noncurrent loans | 722.1893% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 4,351 |
| Noncurrent loans to loans | 0.1911% | 4,047 |
| Net loans and leases to total assets | 66.2580% | 3,102 |
| Net loans and leases to deposits | 73.3969% | 3,593 |
| Net loans and leases to core deposits | 75.1949% | 3,799 |
| Total domestic deposits to total assets | 90.2736% | 475 |
| Equity capital to assets | 9.1975% | 4,383 |
| Core capital (leverage) ratio | 9.5206% | 4,094 |
| Tier 1 risk-based capital ratio | 14.1889% | 3,273 |
| Total risk-based capital ratio | 15.4405% | 3,183 |
| Memoranda: | ||
| Average total assets | $516,045,330 | 1,371 |
| Average earning assets | $484,934,330 | 1,357 |
| Average equity | $47,980,670 | 1,569 |
| Average total loans | $349,904,670 | 1,405 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0002% | 3,606 |
| Cost of funding earning assets | 0.2699% | 4,575 |
| Net interest margin | 3.7303% | 2,687 |
| Noninterest income to average assets | 0.9749% | 969 |
| Noninterest expense to average assets | 2.9937% | 2,078 |
| Loan and lease loss provision to assets | 0.2412% | 633 |
| Net operating income to assets | 0.9459% | 3,086 |
| Return on assets (ROA) | 0.9459% | 3,104 |
| Pretax return on assets | 1.2568% | 2,524 |
| Return on Equity (ROE) | 10.1177% | 2,373 |
| Retained earnings to average equity (ytd only) | 7.4124% | 2,096 |
| Net charge-offs to loans | 0.0517% | 1,583 |
| Credit loss provision to net charge-offs | 684.4444% | 481 |
| Earnings coverage of net charge-offs (x) | 42.5111% | 1,036 |
| Efficiency ratio | 66.6492% | 3,057 |
| Assets per employee ($millions) | 3.4660% | 4,700 |
| Cash dividends to net income (ytd only)* | 26.7384% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 1,852 |
| Loan loss allowance to noncurrent loans | 746.8315% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 4,430 |
| Noncurrent loans to loans | 0.1871% | 4,122 |
| Net loans and leases to total assets | 66.0321% | 3,026 |
| Net loans and leases to deposits | 73.2041% | 3,495 |
| Net loans and leases to core deposits | 74.9905% | 3,743 |
| Total domestic deposits to total assets | 90.2027% | 579 |
| Equity capital to assets | 9.2428% | 4,324 |
| Core capital (leverage) ratio | 9.6915% | 3,859 |
| Tier 1 risk-based capital ratio | 14.3896% | 3,175 |
| Total risk-based capital ratio | 15.6414% | 3,090 |
| Memoranda: | ||
| Average total assets | $510,811,500 | 1,398 |
| Average earning assets | $481,575,500 | 1,376 |
| Average equity | $47,758,000 | 1,588 |
| Average total loans | $347,987,500 | 1,407 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 3,557 |
| Cost of funding earning assets | 0.2151% | 4,826 |
| Net interest margin | 3.7390% | 2,637 |
| Noninterest income to average assets | 0.8837% | 1,316 |
| Noninterest expense to average assets | 2.9243% | 2,373 |
| Loan and lease loss provision to assets | 0.2551% | 723 |
| Net operating income to assets | 0.6337% | 3,876 |
| Return on assets (ROA) | 0.6157% | 3,990 |
| Pretax return on assets | 1.2116% | 2,725 |
| Return on Equity (ROE) | 6.5796% | 3,493 |
| Retained earnings to average equity (ytd only) | 3.8363% | 2,917 |
| Net charge-offs to loans | 0.2130% | 1,220 |
| Credit loss provision to net charge-offs | 175.8573% | 1,545 |
| Earnings coverage of net charge-offs (x) | 10.3059% | 2,692 |
| Efficiency ratio | 66.1714% | 3,235 |
| Assets per employee ($millions) | 3.5829% | 4,598 |
| Cash dividends to net income (ytd only)* | 41.6936% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 2,192 |
| Loan loss allowance to noncurrent loans | 802.9877% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 4,504 |
| Noncurrent loans to loans | 0.1625% | 4,279 |
| Net loans and leases to total assets | 68.4025% | 2,766 |
| Net loans and leases to deposits | 75.9239% | 3,332 |
| Net loans and leases to core deposits | 77.8218% | 3,600 |
| Total domestic deposits to total assets | 90.0935% | 537 |
| Equity capital to assets | 9.4585% | 4,262 |
| Core capital (leverage) ratio | 9.5652% | 3,954 |
| Tier 1 risk-based capital ratio | 14.1240% | 3,294 |
| Total risk-based capital ratio | 15.3748% | 3,195 |
| Memoranda: | ||
| Average total assets | $502,555,000 | 1,395 |
| Average earning assets | $475,201,800 | 1,366 |
| Average equity | $47,024,000 | 1,600 |
| Average total loans | $342,319,200 | 1,402 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 3,583 |
| Cost of funding earning assets | 0.2076% | 4,909 |
| Net interest margin | 3.7227% | 2,681 |
| Noninterest income to average assets | 0.8955% | 1,283 |
| Noninterest expense to average assets | 2.9891% | 2,134 |
| Loan and lease loss provision to assets | 0.2561% | 668 |
| Net operating income to assets | 0.7291% | 3,824 |
| Return on assets (ROA) | 0.7321% | 3,884 |
| Pretax return on assets | 1.1755% | 3,003 |
| Return on Equity (ROE) | 7.8459% | 3,207 |
| Retained earnings to average equity (ytd only) | 5.0902% | 2,819 |
| Net charge-offs to loans | 0.2080% | 1,031 |
| Credit loss provision to net charge-offs | 181.5443% | 1,457 |
| Earnings coverage of net charge-offs (x) | 10.1149% | 2,627 |
| Efficiency ratio | 67.6893% | 2,930 |
| Assets per employee ($millions) | 3.6129% | 4,573 |
| Cash dividends to net income (ytd only)* | 35.1233% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,504 |
| Loan loss allowance to noncurrent loans | 613.6552% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 4,456 |
| Noncurrent loans to loans | 0.2074% | 4,248 |
| Net loans and leases to total assets | 68.7348% | 2,734 |
| Net loans and leases to deposits | 77.3002% | 3,243 |
| Net loans and leases to core deposits | 79.3146% | 3,508 |
| Total domestic deposits to total assets | 88.9193% | 928 |
| Equity capital to assets | 9.5769% | 4,369 |
| Core capital (leverage) ratio | 9.6347% | 4,003 |
| Tier 1 risk-based capital ratio | 14.0670% | 3,410 |
| Total risk-based capital ratio | 15.3175% | 3,325 |
| Memoranda: | ||
| Average total assets | $501,897,250 | 1,405 |
| Average earning assets | $474,629,500 | 1,381 |
| Average equity | $46,834,250 | 1,618 |
| Average total loans | $340,366,750 | 1,418 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9227% | 3,475 |
| Cost of funding earning assets | 0.1990% | 4,994 |
| Net interest margin | 3.7237% | 2,570 |
| Noninterest income to average assets | 0.8346% | 1,453 |
| Noninterest expense to average assets | 2.9613% | 2,228 |
| Loan and lease loss provision to assets | 0.2623% | 627 |
| Net operating income to assets | 0.7132% | 3,781 |
| Return on assets (ROA) | 0.7134% | 3,851 |
| Pretax return on assets | 1.1395% | 3,010 |
| Return on Equity (ROE) | 7.7131% | 3,187 |
| Retained earnings to average equity (ytd only) | 4.9338% | 2,756 |
| Net charge-offs to loans | 0.1346% | 1,357 |
| Credit loss provision to net charge-offs | 289.8678% | 980 |
| Earnings coverage of net charge-offs (x) | 15.4890% | 2,026 |
| Efficiency ratio | 67.8787% | 3,034 |
| Assets per employee ($millions) | 3.2541% | 5,030 |
| Cash dividends to net income (ytd only)* | 36.0335% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,495 |
| Loan loss allowance to noncurrent loans | 526.2722% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 4,511 |
| Noncurrent loans to loans | 0.2439% | 4,158 |
| Net loans and leases to total assets | 68.2331% | 2,780 |
| Net loans and leases to deposits | 76.0160% | 3,343 |
| Net loans and leases to core deposits | 78.2250% | 3,577 |
| Total domestic deposits to total assets | 89.7615% | 618 |
| Equity capital to assets | 9.4521% | 4,450 |
| Core capital (leverage) ratio | 9.4592% | 4,171 |
| Tier 1 risk-based capital ratio | 16.2609% | 2,406 |
| Total risk-based capital ratio | 17.5142% | 2,349 |
| Memoranda: | ||
| Average total assets | $501,800,330 | 1,411 |
| Average earning assets | $475,441,000 | 1,382 |
| Average equity | $46,414,330 | 1,632 |
| Average total loans | $337,280,000 | 1,427 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8572% | 3,560 |
| Cost of funding earning assets | 0.1858% | 5,106 |
| Net interest margin | 3.6714% | 2,601 |
| Noninterest income to average assets | 0.7783% | 1,628 |
| Noninterest expense to average assets | 3.0104% | 2,140 |
| Loan and lease loss provision to assets | 0.2613% | 557 |
| Net operating income to assets | 0.6214% | 4,054 |
| Return on assets (ROA) | 0.6214% | 4,105 |
| Pretax return on assets | 0.9846% | 3,429 |
| Return on Equity (ROE) | 6.7918% | 3,502 |
| Retained earnings to average equity (ytd only) | 3.9793% | 3,454 |
| Net charge-offs to loans | 0.1370% | 1,114 |
| Credit loss provision to net charge-offs | 287.7193% | 811 |
| Earnings coverage of net charge-offs (x) | 13.7193% | 1,767 |
| Efficiency ratio | 70.7281% | 2,785 |
| Assets per employee ($millions) | 3.3781% | 4,958 |
| Cash dividends to net income (ytd only)* | 41.4103% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,711 |
| Loan loss allowance to noncurrent loans | 622.0588% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 4,724 |
| Noncurrent loans to loans | 0.2035% | 4,392 |
| Net loans and leases to total assets | 65.5561% | 3,039 |
| Net loans and leases to deposits | 72.6630% | 3,549 |
| Net loans and leases to core deposits | 74.8381% | 3,752 |
| Total domestic deposits to total assets | 90.2193% | 572 |
| Equity capital to assets | 9.1997% | 4,619 |
| Core capital (leverage) ratio | 9.3897% | 4,238 |
| Tier 1 risk-based capital ratio | 16.4530% | 2,378 |
| Total risk-based capital ratio | 17.7057% | 2,322 |
| Memoranda: | ||
| Average total assets | $502,131,500 | 1,417 |
| Average earning assets | $475,677,500 | 1,390 |
| Average equity | $45,937,500 | 1,647 |
| Average total loans | $332,725,500 | 1,448 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8883% | 3,610 |
| Cost of funding earning assets | 0.1807% | 5,206 |
| Net interest margin | 3.7076% | 2,663 |
| Noninterest income to average assets | 1.4415% | 555 |
| Noninterest expense to average assets | 3.3765% | 1,410 |
| Loan and lease loss provision to assets | 0.1790% | 1,340 |
| Net operating income to assets | 0.9597% | 2,537 |
| Return on assets (ROA) | 0.9597% | 2,645 |
| Pretax return on assets | 1.3716% | 2,039 |
| Return on Equity (ROE) | 10.7973% | 1,651 |
| Retained earnings to average equity (ytd only) | 5.7930% | 1,828 |
| Net charge-offs to loans | 0.2664% | 1,038 |
| Credit loss provision to net charge-offs | 104.2604% | 2,484 |
| Earnings coverage of net charge-offs (x) | 9.0308% | 2,798 |
| Efficiency ratio | 68.5281% | 3,157 |
| Assets per employee ($millions) | 3.7105% | 4,453 |
| Cash dividends to net income (ytd only)* | 46.3477% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 3,051 |
| Loan loss allowance to noncurrent loans | 477.5268% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 4,606 |
| Noncurrent loans to loans | 0.2539% | 4,243 |
| Net loans and leases to total assets | 65.3264% | 3,173 |
| Net loans and leases to deposits | 72.2483% | 3,688 |
| Net loans and leases to core deposits | 74.2370% | 3,903 |
| Total domestic deposits to total assets | 90.4193% | 474 |
| Equity capital to assets | 9.0970% | 4,712 |
| Core capital (leverage) ratio | 9.2965% | 4,353 |
| Tier 1 risk-based capital ratio | 16.3394% | 2,410 |
| Total risk-based capital ratio | 17.5911% | 2,345 |
| Memoranda: | ||
| Average total assets | $492,110,800 | 1,404 |
| Average earning assets | $462,648,200 | 1,372 |
| Average equity | $43,742,600 | 1,694 |
| Average total loans | $317,148,600 | 1,458 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 3,613 |
| Cost of funding earning assets | 0.1842% | 5,231 |
| Net interest margin | 3.7071% | 2,695 |
| Noninterest income to average assets | 1.2631% | 728 |
| Noninterest expense to average assets | 3.1728% | 1,844 |
| Loan and lease loss provision to assets | 0.1829% | 1,205 |
| Net operating income to assets | 1.0180% | 2,345 |
| Return on assets (ROA) | 1.0315% | 2,410 |
| Pretax return on assets | 1.4046% | 2,023 |
| Return on Equity (ROE) | 11.6740% | 1,423 |
| Retained earnings to average equity (ytd only) | 8.6954% | 911 |
| Net charge-offs to loans | 0.2695% | 857 |
| Credit loss provision to net charge-offs | 105.9937% | 2,264 |
| Earnings coverage of net charge-offs (x) | 9.0931% | 2,708 |
| Efficiency ratio | 66.9116% | 3,438 |
| Assets per employee ($millions) | 3.5122% | 4,763 |
| Cash dividends to net income (ytd only)* | 25.5145% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 3,075 |
| Loan loss allowance to noncurrent loans | 482.3529% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 4,660 |
| Noncurrent loans to loans | 0.2546% | 4,356 |
| Net loans and leases to total assets | 66.1840% | 3,093 |
| Net loans and leases to deposits | 73.3936% | 3,654 |
| Net loans and leases to core deposits | 75.5990% | 3,879 |
| Total domestic deposits to total assets | 90.1768% | 412 |
| Equity capital to assets | 9.2913% | 4,872 |
| Core capital (leverage) ratio | 9.1886% | 4,611 |
| Tier 1 risk-based capital ratio | 16.5210% | 2,407 |
| Total risk-based capital ratio | 17.7738% | 2,359 |
| Memoranda: | ||
| Average total assets | $489,907,750 | 1,409 |
| Average earning assets | $459,724,250 | 1,390 |
| Average equity | $43,286,000 | 1,724 |
| Average total loans | $313,623,000 | 1,473 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8849% | 3,647 |
| Cost of funding earning assets | 0.1898% | 5,239 |
| Net interest margin | 3.6951% | 2,715 |
| Noninterest income to average assets | 0.8559% | 1,524 |
| Noninterest expense to average assets | 3.1749% | 1,874 |
| Loan and lease loss provision to assets | 0.1509% | 1,518 |
| Net operating income to assets | 0.6147% | 4,207 |
| Return on assets (ROA) | 0.6324% | 4,270 |
| Pretax return on assets | 1.0113% | 3,540 |
| Return on Equity (ROE) | 7.2826% | 3,377 |
| Retained earnings to average equity (ytd only) | 4.2541% | 3,203 |
| Net charge-offs to loans | 0.2789% | 856 |
| Credit loss provision to net charge-offs | 85.8469% | 2,299 |
| Earnings coverage of net charge-offs (x) | 6.4548% | 2,738 |
| Efficiency ratio | 73.6752% | 2,409 |
| Assets per employee ($millions) | 3.3837% | 4,947 |
| Cash dividends to net income (ytd only)* | 41.5861% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 3,150 |
| Loan loss allowance to noncurrent loans | 393.3735% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 4,577 |
| Noncurrent loans to loans | 0.3145% | 4,237 |
| Net loans and leases to total assets | 63.7533% | 3,404 |
| Net loans and leases to deposits | 70.4665% | 3,942 |
| Net loans and leases to core deposits | 72.9400% | 4,086 |
| Total domestic deposits to total assets | 90.4732% | 326 |
| Equity capital to assets | 8.8385% | 5,375 |
| Core capital (leverage) ratio | 8.7025% | 5,170 |
| Tier 1 risk-based capital ratio | 15.7255% | 2,771 |
| Total risk-based capital ratio | 16.9775% | 2,706 |
| Memoranda: | ||
| Average total assets | $490,476,670 | 1,412 |
| Average earning assets | $458,392,330 | 1,394 |
| Average equity | $42,594,670 | 1,747 |
| Average total loans | $309,121,000 | 1,490 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 3,801 |
| Cost of funding earning assets | 0.1891% | 5,296 |
| Net interest margin | 3.6517% | 2,882 |
| Noninterest income to average assets | 0.8401% | 1,472 |
| Noninterest expense to average assets | 3.1044% | 2,087 |
| Loan and lease loss provision to assets | 0.1468% | 1,437 |
| Net operating income to assets | 0.6325% | 4,049 |
| Return on assets (ROA) | 0.6680% | 4,005 |
| Pretax return on assets | 1.0473% | 3,287 |
| Return on Equity (ROE) | 7.7613% | 3,057 |
| Retained earnings to average equity (ytd only) | 4.7004% | 3,120 |
| Net charge-offs to loans | 0.3367% | 661 |
| Credit loss provision to net charge-offs | 70.0389% | 1,905 |
| Earnings coverage of net charge-offs (x) | 5.4319% | 2,328 |
| Efficiency ratio | 73.1642% | 2,611 |
| Assets per employee ($millions) | 3.3597% | 5,035 |
| Cash dividends to net income (ytd only)* | 39.4383% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 3,009 |
| Loan loss allowance to noncurrent loans | 349.6416% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 4,441 |
| Noncurrent loans to loans | 0.3658% | 4,123 |
| Net loans and leases to total assets | 61.8157% | 3,555 |
| Net loans and leases to deposits | 68.3022% | 4,027 |
| Net loans and leases to core deposits | 70.8889% | 4,168 |
| Total domestic deposits to total assets | 90.5032% | 431 |
| Equity capital to assets | 8.7654% | 5,371 |
| Core capital (leverage) ratio | 8.7476% | 5,130 |
| Tier 1 risk-based capital ratio | 15.7715% | 2,794 |
| Total risk-based capital ratio | 17.0238% | 2,729 |
| Memoranda: | ||
| Average total assets | $490,397,500 | 1,413 |
| Average earning assets | $456,987,000 | 1,398 |
| Average equity | $42,209,500 | 1,750 |
| Average total loans | $305,324,500 | 1,499 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 3,565 |
| Cost of funding earning assets | 0.1849% | 5,401 |
| Net interest margin | 3.7549% | 2,538 |
| Noninterest income to average assets | 0.9092% | 1,413 |
| Noninterest expense to average assets | 3.2372% | 1,866 |
| Loan and lease loss provision to assets | 0.1177% | 2,022 |
| Net operating income to assets | 0.7252% | 3,690 |
| Return on assets (ROA) | 0.7318% | 3,759 |
| Pretax return on assets | 1.0665% | 3,202 |
| Return on Equity (ROE) | 8.3418% | 2,784 |
| Retained earnings to average equity (ytd only) | 5.1954% | 2,282 |
| Net charge-offs to loans | 0.1709% | 1,664 |
| Credit loss provision to net charge-offs | 112.2449% | 2,257 |
| Earnings coverage of net charge-offs (x) | 11.2020% | 2,607 |
| Efficiency ratio | 73.3763% | 2,676 |
| Assets per employee ($millions) | 3.3580% | 5,051 |
| Cash dividends to net income (ytd only)* | 37.7193% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 2,888 |
| Loan loss allowance to noncurrent loans | 359.7649% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 4,587 |
| Noncurrent loans to loans | 0.3619% | 4,157 |
| Net loans and leases to total assets | 61.1032% | 3,679 |
| Net loans and leases to deposits | 67.2430% | 4,194 |
| Net loans and leases to core deposits | 69.6779% | 4,315 |
| Total domestic deposits to total assets | 90.8693% | 313 |
| Equity capital to assets | 8.4510% | 5,601 |
| Core capital (leverage) ratio | 8.6940% | 5,225 |
| Tier 1 risk-based capital ratio | 15.5488% | 2,907 |
| Total risk-based capital ratio | 16.8015% | 2,838 |
| Memoranda: | ||
| Average total assets | $467,313,600 | 1,440 |
| Average earning assets | $435,907,600 | 1,431 |
| Average equity | $40,998,200 | 1,761 |
| Average total loans | $286,736,200 | 1,523 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9437% | 3,568 |
| Cost of funding earning assets | 0.1831% | 5,523 |
| Net interest margin | 3.7606% | 2,525 |
| Noninterest income to average assets | 0.9214% | 1,395 |
| Noninterest expense to average assets | 3.3071% | 1,673 |
| Loan and lease loss provision to assets | 0.1169% | 1,941 |
| Net operating income to assets | 0.7062% | 3,873 |
| Return on assets (ROA) | 0.7159% | 3,939 |
| Pretax return on assets | 1.0296% | 3,505 |
| Return on Equity (ROE) | 8.0811% | 3,035 |
| Retained earnings to average equity (ytd only) | 4.9225% | 2,966 |
| Net charge-offs to loans | 0.1272% | 1,858 |
| Credit loss provision to net charge-offs | 150.1859% | 1,673 |
| Earnings coverage of net charge-offs (x) | 14.5501% | 2,244 |
| Efficiency ratio | 74.4883% | 2,471 |
| Assets per employee ($millions) | 3.1944% | 5,297 |
| Cash dividends to net income (ytd only)* | 39.0865% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 2,776 |
| Loan loss allowance to noncurrent loans | 327.9935% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 4,700 |
| Noncurrent loans to loans | 0.4154% | 4,118 |
| Net loans and leases to total assets | 62.5015% | 3,537 |
| Net loans and leases to deposits | 69.1449% | 4,080 |
| Net loans and leases to core deposits | 71.8374% | 4,202 |
| Total domestic deposits to total assets | 90.3920% | 430 |
| Equity capital to assets | 8.8601% | 5,431 |
| Core capital (leverage) ratio | 8.9276% | 5,085 |
| Tier 1 risk-based capital ratio | 15.8811% | 2,851 |
| Total risk-based capital ratio | 17.1348% | 2,788 |
| Memoranda: | ||
| Average total assets | $460,734,000 | 1,463 |
| Average earning assets | $431,059,000 | 1,448 |
| Average equity | $40,818,500 | 1,783 |
| Average total loans | $282,019,250 | 1,549 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 3,700 |
| Cost of funding earning assets | 0.1804% | 5,607 |
| Net interest margin | 3.7178% | 2,634 |
| Noninterest income to average assets | 0.9017% | 1,438 |
| Noninterest expense to average assets | 3.2880% | 1,740 |
| Loan and lease loss provision to assets | 0.1097% | 2,002 |
| Net operating income to assets | 0.6575% | 4,090 |
| Return on assets (ROA) | 0.6575% | 4,195 |
| Pretax return on assets | 0.9791% | 3,664 |
| Return on Equity (ROE) | 7.4218% | 3,358 |
| Retained earnings to average equity (ytd only) | 4.2459% | 3,329 |
| Net charge-offs to loans | 0.0954% | 2,063 |
| Credit loss provision to net charge-offs | 190.1515% | 1,289 |
| Earnings coverage of net charge-offs (x) | 18.8788% | 1,783 |
| Efficiency ratio | 75.1248% | 2,524 |
| Assets per employee ($millions) | 3.2154% | 5,317 |
| Cash dividends to net income (ytd only)* | 42.7907% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 2,720 |
| Loan loss allowance to noncurrent loans | 341.6244% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 4,712 |
| Noncurrent loans to loans | 0.4120% | 4,245 |
| Net loans and leases to total assets | 60.2569% | 3,789 |
| Net loans and leases to deposits | 66.5043% | 4,289 |
| Net loans and leases to core deposits | 68.7614% | 4,433 |
| Total domestic deposits to total assets | 90.6060% | 414 |
| Equity capital to assets | 8.6904% | 5,533 |
| Core capital (leverage) ratio | 8.8439% | 5,168 |
| Tier 1 risk-based capital ratio | 15.8986% | 2,903 |
| Total risk-based capital ratio | 17.1525% | 2,865 |
| Memoranda: | ||
| Average total assets | $457,785,670 | 1,484 |
| Average earning assets | $427,890,000 | 1,470 |
| Average equity | $40,556,330 | 1,802 |
| Average total loans | $276,843,000 | 1,587 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 3,761 |
| Cost of funding earning assets | 0.1826% | 5,664 |
| Net interest margin | 3.6836% | 2,683 |
| Noninterest income to average assets | 0.8788% | 1,457 |
| Noninterest expense to average assets | 3.2986% | 1,722 |
| Loan and lease loss provision to assets | 0.1106% | 1,868 |
| Net operating income to assets | 0.6001% | 4,290 |
| Return on assets (ROA) | 0.6001% | 4,387 |
| Pretax return on assets | 0.9151% | 3,834 |
| Return on Equity (ROE) | 6.7069% | 3,652 |
| Retained earnings to average equity (ytd only) | 3.5216% | 3,884 |
| Net charge-offs to loans | 0.1884% | 1,174 |
| Credit loss provision to net charge-offs | 97.6563% | 1,688 |
| Earnings coverage of net charge-offs (x) | 9.0547% | 2,035 |
| Efficiency ratio | 76.2792% | 2,474 |
| Assets per employee ($millions) | 3.1594% | 5,469 |
| Cash dividends to net income (ytd only)* | 47.4926% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 2,743 |
| Loan loss allowance to noncurrent loans | 340.2259% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 4,791 |
| Noncurrent loans to loans | 0.4231% | 4,323 |
| Net loans and leases to total assets | 59.3507% | 3,750 |
| Net loans and leases to deposits | 65.8089% | 4,171 |
| Net loans and leases to core deposits | 68.2299% | 4,307 |
| Total domestic deposits to total assets | 90.1864% | 657 |
| Equity capital to assets | 8.9964% | 5,294 |
| Core capital (leverage) ratio | 8.9354% | 5,032 |
| Tier 1 risk-based capital ratio | 15.7812% | 3,028 |
| Total risk-based capital ratio | 17.0348% | 2,963 |
| Memoranda: | ||
| Average total assets | $451,955,000 | 1,512 |
| Average earning assets | $422,740,500 | 1,495 |
| Average equity | $40,436,000 | 1,813 |
| Average total loans | $271,808,500 | 1,611 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 4,041 |
| Cost of funding earning assets | 0.2016% | 5,729 |
| Net interest margin | 3.7228% | 2,912 |
| Noninterest income to average assets | 0.9124% | 1,463 |
| Noninterest expense to average assets | 3.3248% | 1,865 |
| Loan and lease loss provision to assets | 0.1429% | 1,860 |
| Net operating income to assets | 0.5992% | 4,371 |
| Return on assets (ROA) | 0.5986% | 4,468 |
| Pretax return on assets | 0.9154% | 3,847 |
| Return on Equity (ROE) | 6.6409% | 3,822 |
| Retained earnings to average equity (ytd only) | 3.3485% | 3,831 |
| Net charge-offs to loans | 0.3245% | 1,356 |
| Credit loss provision to net charge-offs | 80.1290% | 2,861 |
| Earnings coverage of net charge-offs (x) | 5.9406% | 3,312 |
| Efficiency ratio | 75.8396% | 2,534 |
| Assets per employee ($millions) | 3.2064% | 5,423 |
| Cash dividends to net income (ytd only)* | 49.5772% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 2,724 |
| Loan loss allowance to noncurrent loans | 330.1601% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 4,908 |
| Noncurrent loans to loans | 0.4371% | 4,335 |
| Net loans and leases to total assets | 59.1970% | 3,895 |
| Net loans and leases to deposits | 66.5026% | 4,268 |
| Net loans and leases to core deposits | 68.6367% | 4,436 |
| Total domestic deposits to total assets | 89.0146% | 1,225 |
| Equity capital to assets | 8.8974% | 5,381 |
| Core capital (leverage) ratio | 8.9050% | 5,113 |
| Tier 1 risk-based capital ratio | 14.2624% | 3,923 |
| Total risk-based capital ratio | 15.5569% | 3,824 |
| Memoranda: | ||
| Average total assets | $434,670,200 | 1,534 |
| Average earning assets | $405,342,600 | 1,510 |
| Average equity | $39,181,400 | 1,808 |
| Average total loans | $238,794,600 | 1,768 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9016% | 4,170 |
| Cost of funding earning assets | 0.2019% | 5,810 |
| Net interest margin | 3.6997% | 3,026 |
| Noninterest income to average assets | 0.9484% | 1,367 |
| Noninterest expense to average assets | 3.3367% | 1,825 |
| Loan and lease loss provision to assets | 0.1543% | 1,609 |
| Net operating income to assets | 0.6137% | 4,383 |
| Return on assets (ROA) | 0.6129% | 4,473 |
| Pretax return on assets | 0.9032% | 3,967 |
| Return on Equity (ROE) | 6.7761% | 3,819 |
| Retained earnings to average equity (ytd only) | 3.4600% | 4,166 |
| Net charge-offs to loans | 0.2619% | 1,488 |
| Credit loss provision to net charge-offs | 109.9338% | 2,041 |
| Earnings coverage of net charge-offs (x) | 7.5431% | 2,917 |
| Efficiency ratio | 75.9129% | 2,503 |
| Assets per employee ($millions) | 3.3578% | 5,124 |
| Cash dividends to net income (ytd only)* | 48.9381% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 2,266 |
| Loan loss allowance to noncurrent loans | 262.1260% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 4,752 |
| Noncurrent loans to loans | 0.6146% | 4,083 |
| Net loans and leases to total assets | 56.7384% | 4,236 |
| Net loans and leases to deposits | 64.7119% | 4,459 |
| Net loans and leases to core deposits | 66.8316% | 4,623 |
| Total domestic deposits to total assets | 87.6785% | 1,935 |
| Equity capital to assets | 8.8879% | 5,478 |
| Core capital (leverage) ratio | 9.0345% | 5,029 |
| Tier 1 risk-based capital ratio | 14.5484% | 3,858 |
| Total risk-based capital ratio | 15.8379% | 3,768 |
| Memoranda: | ||
| Average total assets | $430,310,500 | 1,555 |
| Average earning assets | $400,923,500 | 1,535 |
| Average equity | $38,920,250 | 1,824 |
| Average total loans | $230,604,750 | 1,827 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8174% | 4,458 |
| Cost of funding earning assets | 0.2027% | 5,885 |
| Net interest margin | 3.6147% | 3,303 |
| Noninterest income to average assets | 0.9854% | 1,243 |
| Noninterest expense to average assets | 3.2850% | 1,957 |
| Loan and lease loss provision to assets | 0.1479% | 1,671 |
| Net operating income to assets | 0.6632% | 4,026 |
| Return on assets (ROA) | 0.6615% | 4,135 |
| Pretax return on assets | 0.9150% | 3,826 |
| Return on Equity (ROE) | 7.2699% | 3,483 |
| Retained earnings to average equity (ytd only) | 3.9420% | 3,672 |
| Net charge-offs to loans | 0.3401% | 1,195 |
| Credit loss provision to net charge-offs | 83.3333% | 2,290 |
| Earnings coverage of net charge-offs (x) | 6.0026% | 2,835 |
| Efficiency ratio | 75.5126% | 2,720 |
| Assets per employee ($millions) | 3.0025% | 5,745 |
| Cash dividends to net income (ytd only)* | 45.7771% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 2,161 |
| Loan loss allowance to noncurrent loans | 281.4035% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 4,899 |
| Noncurrent loans to loans | 0.6004% | 4,227 |
| Net loans and leases to total assets | 53.9703% | 4,545 |
| Net loans and leases to deposits | 60.7792% | 4,803 |
| Net loans and leases to core deposits | 62.9522% | 4,904 |
| Total domestic deposits to total assets | 88.7973% | 1,474 |
| Equity capital to assets | 9.1280% | 5,176 |
| Core capital (leverage) ratio | 9.1296% | 4,840 |
| Tier 1 risk-based capital ratio | 15.4119% | 3,406 |
| Total risk-based capital ratio | 16.7034% | 3,318 |
| Memoranda: | ||
| Average total assets | $426,002,670 | 1,570 |
| Average earning assets | $396,547,670 | 1,548 |
| Average equity | $38,762,330 | 1,823 |
| Average total loans | $222,272,330 | 1,884 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7576% | 4,644 |
| Cost of funding earning assets | 0.2068% | 5,943 |
| Net interest margin | 3.5508% | 3,478 |
| Noninterest income to average assets | 0.8391% | 1,605 |
| Noninterest expense to average assets | 3.2666% | 2,028 |
| Loan and lease loss provision to assets | 0.1438% | 1,698 |
| Net operating income to assets | 0.4666% | 4,863 |
| Return on assets (ROA) | 0.4635% | 4,954 |
| Pretax return on assets | 0.7209% | 4,414 |
| Return on Equity (ROE) | 5.1028% | 4,497 |
| Retained earnings to average equity (ytd only) | 1.7391% | 4,917 |
| Net charge-offs to loans | 0.0894% | 2,269 |
| Credit loss provision to net charge-offs | 316.6667% | 768 |
| Earnings coverage of net charge-offs (x) | 19.1458% | 1,389 |
| Efficiency ratio | 78.9799% | 2,343 |
| Assets per employee ($millions) | 3.2206% | 5,496 |
| Cash dividends to net income (ytd only)* | 65.9184% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 1,658 |
| Loan loss allowance to noncurrent loans | 227.2579% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7221% | 3,957 |
| Noncurrent loans to loans | 0.8515% | 3,764 |
| Net loans and leases to total assets | 49.7929% | 4,932 |
| Net loans and leases to deposits | 55.2196% | 5,180 |
| Net loans and leases to core deposits | 57.4693% | 5,241 |
| Total domestic deposits to total assets | 90.1725% | 984 |
| Equity capital to assets | 9.0571% | 5,048 |
| Core capital (leverage) ratio | 9.1643% | 4,772 |
| Tier 1 risk-based capital ratio | 16.3068% | 3,004 |
| Total risk-based capital ratio | 17.6060% | 2,940 |
| Memoranda: | ||
| Average total assets | $422,824,000 | 1,583 |
| Average earning assets | $392,586,000 | 1,573 |
| Average equity | $38,410,500 | 1,836 |
| Average total loans | $214,730,500 | 1,938 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6531% | 5,270 |
| Cost of funding earning assets | 0.2456% | 5,996 |
| Net interest margin | 3.4075% | 4,247 |
| Noninterest income to average assets | 0.8812% | 1,746 |
| Noninterest expense to average assets | 3.1288% | 2,647 |
| Loan and lease loss provision to assets | 0.1239% | 2,762 |
| Net operating income to assets | 0.5891% | 4,313 |
| Return on assets (ROA) | 0.5965% | 4,394 |
| Pretax return on assets | 0.7906% | 4,179 |
| Return on Equity (ROE) | 6.5049% | 3,829 |
| Retained earnings to average equity (ytd only) | 2.0755% | 4,759 |
| Net charge-offs to loans | 0.4460% | 1,486 |
| Credit loss provision to net charge-offs | 58.7444% | 3,605 |
| Earnings coverage of net charge-offs (x) | 4.2892% | 3,614 |
| Efficiency ratio | 77.5720% | 2,531 |
| Assets per employee ($millions) | 3.0253% | 5,793 |
| Cash dividends to net income (ytd only)* | 68.0935% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 1,769 |
| Loan loss allowance to noncurrent loans | 269.5566% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 4,257 |
| Noncurrent loans to loans | 0.7074% | 4,202 |
| Net loans and leases to total assets | 49.8258% | 5,102 |
| Net loans and leases to deposits | 55.5506% | 5,345 |
| Net loans and leases to core deposits | 57.8909% | 5,403 |
| Total domestic deposits to total assets | 89.6945% | 1,224 |
| Equity capital to assets | 9.1117% | 4,910 |
| Core capital (leverage) ratio | 9.1204% | 4,827 |
| Tier 1 risk-based capital ratio | 16.3673% | 2,922 |
| Total risk-based capital ratio | 17.6650% | 2,854 |
| Memoranda: | ||
| Average total assets | $422,945,600 | 1,564 |
| Average earning assets | $391,251,400 | 1,545 |
| Average equity | $38,786,000 | 1,797 |
| Average total loans | $199,991,000 | 2,000 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6303% | 5,355 |
| Cost of funding earning assets | 0.2528% | 6,064 |
| Net interest margin | 3.3775% | 4,370 |
| Noninterest income to average assets | 0.8468% | 1,951 |
| Noninterest expense to average assets | 3.0963% | 2,666 |
| Loan and lease loss provision to assets | 0.1215% | 2,775 |
| Net operating income to assets | 0.5540% | 4,564 |
| Return on assets (ROA) | 0.5638% | 4,659 |
| Pretax return on assets | 0.7624% | 4,444 |
| Return on Equity (ROE) | 6.1382% | 4,114 |
| Retained earnings to average equity (ytd only) | 1.7239% | 5,279 |
| Net charge-offs to loans | 0.5568% | 1,138 |
| Credit loss provision to net charge-offs | 47.0158% | 3,580 |
| Earnings coverage of net charge-offs (x) | 3.3691% | 3,725 |
| Efficiency ratio | 78.0511% | 2,414 |
| Assets per employee ($millions) | 3.1096% | 5,660 |
| Cash dividends to net income (ytd only)* | 71.9151% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9682% | 1,802 |
| Loan loss allowance to noncurrent loans | 314.6897% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6120% | 4,603 |
| Noncurrent loans to loans | 0.6254% | 4,640 |
| Net loans and leases to total assets | 47.8852% | 5,356 |
| Net loans and leases to deposits | 53.5166% | 5,579 |
| Net loans and leases to core deposits | 55.5020% | 5,669 |
| Total domestic deposits to total assets | 89.4774% | 1,316 |
| Equity capital to assets | 9.0139% | 5,170 |
| Core capital (leverage) ratio | 9.1035% | 4,965 |
| Tier 1 risk-based capital ratio | 16.9367% | 2,736 |
| Total risk-based capital ratio | 18.2316% | 2,678 |
| Memoranda: | ||
| Average total assets | $423,551,250 | 1,569 |
| Average earning assets | $391,287,500 | 1,556 |
| Average equity | $38,903,250 | 1,807 |
| Average total loans | $196,588,250 | 2,034 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5630% | 5,551 |
| Cost of funding earning assets | 0.2677% | 6,056 |
| Net interest margin | 3.2953% | 4,608 |
| Noninterest income to average assets | 0.9294% | 1,721 |
| Noninterest expense to average assets | 3.0168% | 2,949 |
| Loan and lease loss provision to assets | 0.0845% | 3,384 |
| Net operating income to assets | 0.6719% | 3,948 |
| Return on assets (ROA) | 0.6953% | 3,997 |
| Pretax return on assets | 0.9017% | 3,906 |
| Return on Equity (ROE) | 7.9027% | 3,143 |
| Retained earnings to average equity (ytd only) | 2.4480% | 4,743 |
| Net charge-offs to loans | 0.3953% | 1,629 |
| Credit loss provision to net charge-offs | 52.3605% | 3,169 |
| Earnings coverage of net charge-offs (x) | 5.9227% | 2,803 |
| Efficiency ratio | 75.9414% | 2,800 |
| Assets per employee ($millions) | 3.3979% | 5,064 |
| Cash dividends to net income (ytd only)* | 69.0239% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6452% | 835 |
| Loan loss allowance to noncurrent loans | 325.1029% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 4,458 |
| Noncurrent loans to loans | 0.8136% | 4,286 |
| Net loans and leases to total assets | 40.2676% | 6,022 |
| Net loans and leases to deposits | 44.4877% | 6,200 |
| Net loans and leases to core deposits | 47.0127% | 6,181 |
| Total domestic deposits to total assets | 90.5139% | 749 |
| Equity capital to assets | 8.6936% | 5,561 |
| Core capital (leverage) ratio | 8.3538% | 5,822 |
| Tier 1 risk-based capital ratio | 16.7417% | 2,820 |
| Total risk-based capital ratio | 18.0028% | 2,785 |
| Memoranda: | ||
| Average total assets | $288,781,000 | 2,231 |
| Average earning assets | $266,684,330 | 2,216 |
| Average equity | $25,409,000 | 2,641 |
| Average total loans | $117,877,000 | 3,110 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4570% | 5,818 |
| Cost of funding earning assets | 0.2710% | 6,153 |
| Net interest margin | 3.1860% | 4,969 |
| Noninterest income to average assets | 0.9240% | 1,679 |
| Noninterest expense to average assets | 3.0406% | 2,862 |
| Loan and lease loss provision to assets | 0.0845% | 3,247 |
| Net operating income to assets | 0.5995% | 4,211 |
| Return on assets (ROA) | 0.6483% | 4,131 |
| Pretax return on assets | 0.8076% | 4,141 |
| Return on Equity (ROE) | 7.3242% | 3,309 |
| Retained earnings to average equity (ytd only) | 1.8937% | 5,046 |
| Net charge-offs to loans | 0.0922% | 2,923 |
| Credit loss provision to net charge-offs | 225.9259% | 1,000 |
| Earnings coverage of net charge-offs (x) | 22.2222% | 1,143 |
| Efficiency ratio | 78.5331% | 2,527 |
| Assets per employee ($millions) | 3.4897% | 5,002 |
| Cash dividends to net income (ytd only)* | 74.1453% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8344% | 789 |
| Loan loss allowance to noncurrent loans | 149.6830% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 4,460 |
| Noncurrent loans to loans | 1.8936% | 2,746 |
| Net loans and leases to total assets | 39.1168% | 6,075 |
| Net loans and leases to deposits | 43.2572% | 6,255 |
| Net loans and leases to core deposits | 45.7781% | 6,220 |
| Total domestic deposits to total assets | 90.4286% | 805 |
| Equity capital to assets | 8.7631% | 5,743 |
| Core capital (leverage) ratio | 8.4545% | 5,643 |
| Tier 1 risk-based capital ratio | 17.3428% | 2,629 |
| Total risk-based capital ratio | 18.6067% | 2,586 |
| Memoranda: | ||
| Average total assets | $288,760,000 | 2,257 |
| Average earning assets | $267,166,500 | 2,235 |
| Average equity | $25,559,000 | 2,656 |
| Average total loans | $117,084,500 | 3,143 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 5,797 |
| Cost of funding earning assets | 0.3485% | 6,225 |
| Net interest margin | 3.4644% | 4,651 |
| Noninterest income to average assets | 0.9534% | 1,688 |
| Noninterest expense to average assets | 3.0893% | 2,960 |
| Loan and lease loss provision to assets | 0.1646% | 3,553 |
| Net operating income to assets | 0.6757% | 3,853 |
| Return on assets (ROA) | 0.6757% | 4,127 |
| Pretax return on assets | 0.8841% | 3,981 |
| Return on Equity (ROE) | 7.2555% | 3,496 |
| Retained earnings to average equity (ytd only) | 1.8256% | 4,935 |
| Net charge-offs to loans | 0.4000% | 2,660 |
| Credit loss provision to net charge-offs | 96.7811% | 3,211 |
| Earnings coverage of net charge-offs (x) | 6.1674% | 2,860 |
| Efficiency ratio | 74.6583% | 2,960 |
| Assets per employee ($millions) | 3.4271% | 5,155 |
| Cash dividends to net income (ytd only)* | 74.8380% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7823% | 835 |
| Loan loss allowance to noncurrent loans | 153.4240% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 4,586 |
| Noncurrent loans to loans | 1.8135% | 2,898 |
| Net loans and leases to total assets | 39.7023% | 6,189 |
| Net loans and leases to deposits | 43.9550% | 6,372 |
| Net loans and leases to core deposits | 46.4857% | 6,346 |
| Total domestic deposits to total assets | 90.3250% | 786 |
| Equity capital to assets | 8.9400% | 5,593 |
| Core capital (leverage) ratio | 8.5104% | 5,593 |
| Tier 1 risk-based capital ratio | 17.2847% | 2,530 |
| Total risk-based capital ratio | 18.5477% | 2,503 |
| Memoranda: | ||
| Average total assets | $274,077,000 | 2,311 |
| Average earning assets | $251,933,800 | 2,300 |
| Average equity | $25,525,400 | 2,610 |
| Average total loans | $116,500,400 | 3,152 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8933% | 5,803 |
| Cost of funding earning assets | 0.3676% | 6,290 |
| Net interest margin | 3.5257% | 4,543 |
| Noninterest income to average assets | 0.9582% | 1,646 |
| Noninterest expense to average assets | 3.1413% | 2,752 |
| Loan and lease loss provision to assets | 0.1897% | 3,216 |
| Net operating income to assets | 0.6715% | 4,036 |
| Return on assets (ROA) | 0.6715% | 4,307 |
| Pretax return on assets | 0.8641% | 4,243 |
| Return on Equity (ROE) | 7.1343% | 3,732 |
| Retained earnings to average equity (ytd only) | 1.7639% | 5,446 |
| Net charge-offs to loans | 0.5540% | 1,946 |
| Credit loss provision to net charge-offs | 79.7101% | 3,630 |
| Earnings coverage of net charge-offs (x) | 4.4286% | 3,306 |
| Efficiency ratio | 74.8796% | 2,843 |
| Assets per employee ($millions) | 3.3309% | 5,362 |
| Cash dividends to net income (ytd only)* | 75.2753% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7327% | 951 |
| Loan loss allowance to noncurrent loans | 151.0900% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 4,782 |
| Noncurrent loans to loans | 1.8087% | 3,067 |
| Net loans and leases to total assets | 40.5559% | 6,240 |
| Net loans and leases to deposits | 45.0739% | 6,453 |
| Net loans and leases to core deposits | 47.4181% | 6,450 |
| Total domestic deposits to total assets | 89.9766% | 856 |
| Equity capital to assets | 9.1900% | 5,603 |
| Core capital (leverage) ratio | 8.6299% | 5,580 |
| Tier 1 risk-based capital ratio | 17.5692% | 2,512 |
| Total risk-based capital ratio | 18.8323% | 2,474 |
| Memoranda: | ||
| Average total assets | $270,627,500 | 2,358 |
| Average earning assets | $248,456,000 | 2,364 |
| Average equity | $25,472,750 | 2,641 |
| Average total loans | $116,234,500 | 3,198 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 5,734 |
| Cost of funding earning assets | 0.3846% | 6,354 |
| Net interest margin | 3.5847% | 4,330 |
| Noninterest income to average assets | 0.9874% | 1,498 |
| Noninterest expense to average assets | 3.1715% | 2,679 |
| Loan and lease loss provision to assets | 0.2257% | 2,823 |
| Net operating income to assets | 0.6832% | 3,963 |
| Return on assets (ROA) | 0.6832% | 4,222 |
| Pretax return on assets | 0.8783% | 4,161 |
| Return on Equity (ROE) | 7.1989% | 3,671 |
| Retained earnings to average equity (ytd only) | 1.9533% | 5,219 |
| Net charge-offs to loans | 0.9458% | 1,167 |
| Credit loss provision to net charge-offs | 55.0091% | 3,932 |
| Earnings coverage of net charge-offs (x) | 2.6903% | 3,665 |
| Efficiency ratio | 74.1783% | 3,046 |
| Assets per employee ($millions) | 3.3134% | 5,420 |
| Cash dividends to net income (ytd only)* | 72.8665% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5903% | 1,163 |
| Loan loss allowance to noncurrent loans | 125.8385% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 4,559 |
| Noncurrent loans to loans | 2.0585% | 2,879 |
| Net loans and leases to total assets | 41.0611% | 6,267 |
| Net loans and leases to deposits | 45.5939% | 6,470 |
| Net loans and leases to core deposits | 48.0035% | 6,457 |
| Total domestic deposits to total assets | 90.0583% | 890 |
| Equity capital to assets | 9.1538% | 5,514 |
| Core capital (leverage) ratio | 8.7056% | 5,373 |
| Tier 1 risk-based capital ratio | 17.4410% | 2,492 |
| Total risk-based capital ratio | 18.7031% | 2,456 |
| Memoranda: | ||
| Average total assets | $267,572,000 | 2,391 |
| Average earning assets | $245,430,670 | 2,393 |
| Average equity | $25,392,670 | 2,627 |
| Average total loans | $116,092,330 | 3,216 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0847% | 5,510 |
| Cost of funding earning assets | 0.3951% | 6,433 |
| Net interest margin | 3.6896% | 3,874 |
| Noninterest income to average assets | 0.9916% | 1,447 |
| Noninterest expense to average assets | 3.2113% | 2,565 |
| Loan and lease loss provision to assets | 0.2777% | 2,239 |
| Net operating income to assets | 0.6865% | 3,949 |
| Return on assets (ROA) | 0.6865% | 4,165 |
| Pretax return on assets | 0.8787% | 4,114 |
| Return on Equity (ROE) | 7.1005% | 3,727 |
| Retained earnings to average equity (ytd only) | 1.8461% | 5,322 |
| Net charge-offs to loans | 2.2654% | 383 |
| Credit loss provision to net charge-offs | 27.8287% | 3,658 |
| Earnings coverage of net charge-offs (x) | 1.1590% | 3,756 |
| Efficiency ratio | 73.5243% | 3,175 |
| Assets per employee ($millions) | 3.2327% | 5,697 |
| Cash dividends to net income (ytd only)* | 74.0000% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4516% | 1,424 |
| Loan loss allowance to noncurrent loans | 109.2816% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.1951% | 4,130 |
| Noncurrent loans to loans | 2.2434% | 2,869 |
| Net loans and leases to total assets | 42.2381% | 6,170 |
| Net loans and leases to deposits | 47.1075% | 6,352 |
| Net loans and leases to core deposits | 49.8971% | 6,352 |
| Total domestic deposits to total assets | 89.6632% | 1,261 |
| Equity capital to assets | 9.5347% | 4,750 |
| Core capital (leverage) ratio | 9.1139% | 4,663 |
| Tier 1 risk-based capital ratio | 17.7461% | 2,386 |
| Total risk-based capital ratio | 19.0062% | 2,358 |
| Memoranda: | ||
| Average total assets | $262,197,000 | 2,459 |
| Average earning assets | $239,920,000 | 2,451 |
| Average equity | $25,350,500 | 2,636 |
| Average total loans | $115,478,000 | 3,246 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 5,410 |
| Cost of funding earning assets | 0.5016% | 6,529 |
| Net interest margin | 3.9026% | 3,326 |
| Noninterest income to average assets | 1.0467% | 1,230 |
| Noninterest expense to average assets | 3.2367% | 2,741 |
| Loan and lease loss provision to assets | 1.0534% | 877 |
| Net operating income to assets | 0.3198% | 5,192 |
| Return on assets (ROA) | 0.3488% | 5,233 |
| Pretax return on assets | 0.3555% | 5,415 |
| Return on Equity (ROE) | 3.5905% | 5,025 |
| Retained earnings to average equity (ytd only) | -2.0326% | 6,160 |
| Net charge-offs to loans | 2.8902% | 349 |
| Credit loss provision to net charge-offs | 77.3885% | 4,580 |
| Earnings coverage of net charge-offs (x) | 1.0133% | 5,029 |
| Efficiency ratio | 70.1187% | 3,925 |
| Assets per employee ($millions) | 3.2824% | 5,547 |
| Cash dividends to net income (ytd only)* | 156.6102% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8285% | 952 |
| Loan loss allowance to noncurrent loans | 108.9161% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.3952% | 3,902 |
| Noncurrent loans to loans | 2.5969% | 2,517 |
| Net loans and leases to total assets | 43.5346% | 6,251 |
| Net loans and leases to deposits | 48.6675% | 6,451 |
| Net loans and leases to core deposits | 52.4718% | 6,403 |
| Total domestic deposits to total assets | 89.4532% | 1,293 |
| Equity capital to assets | 9.8052% | 4,440 |
| Core capital (leverage) ratio | 8.9945% | 4,797 |
| Tier 1 risk-based capital ratio | 17.3060% | 2,463 |
| Total risk-based capital ratio | 18.5700% | 2,428 |
| Memoranda: | ||
| Average total assets | $253,742,400 | 2,485 |
| Average earning assets | $232,075,600 | 2,490 |
| Average equity | $24,648,600 | 2,612 |
| Average total loans | $119,508,000 | 3,179 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 5,383 |
| Cost of funding earning assets | 0.5268% | 6,594 |
| Net interest margin | 3.9342% | 3,213 |
| Noninterest income to average assets | 1.0340% | 1,262 |
| Noninterest expense to average assets | 3.2552% | 2,648 |
| Loan and lease loss provision to assets | 1.2496% | 611 |
| Net operating income to assets | 0.1849% | 5,743 |
| Return on assets (ROA) | 0.2245% | 5,767 |
| Pretax return on assets | 0.1596% | 5,978 |
| Return on Equity (ROE) | 2.3172% | 5,670 |
| Retained earnings to average equity (ytd only) | -3.2768% | 6,443 |
| Net charge-offs to loans | 2.0308% | 619 |
| Credit loss provision to net charge-offs | 129.0235% | 2,464 |
| Earnings coverage of net charge-offs (x) | 1.4141% | 4,569 |
| Efficiency ratio | 70.3873% | 3,886 |
| Assets per employee ($millions) | 3.2707% | 5,533 |
| Cash dividends to net income (ytd only)* | 241.4136% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9013% | 425 |
| Loan loss allowance to noncurrent loans | 103.3715% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.9792% | 3,165 |
| Noncurrent loans to loans | 3.7740% | 1,796 |
| Net loans and leases to total assets | 43.8442% | 6,345 |
| Net loans and leases to deposits | 48.8774% | 6,572 |
| Net loans and leases to core deposits | 52.7103% | 6,528 |
| Total domestic deposits to total assets | 89.7025% | 1,040 |
| Equity capital to assets | 9.5223% | 5,046 |
| Core capital (leverage) ratio | 9.1922% | 4,638 |
| Tier 1 risk-based capital ratio | 17.4325% | 2,475 |
| Total risk-based capital ratio | 18.7088% | 2,435 |
| Memoranda: | ||
| Average total assets | $252,350,250 | 2,509 |
| Average earning assets | $230,318,250 | 2,508 |
| Average equity | $24,454,250 | 2,636 |
| Average total loans | $120,341,000 | 3,188 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 5,625 |
| Cost of funding earning assets | 0.5518% | 6,655 |
| Net interest margin | 3.8672% | 3,452 |
| Noninterest income to average assets | 1.0250% | 1,260 |
| Noninterest expense to average assets | 3.3331% | 2,458 |
| Loan and lease loss provision to assets | 1.6418% | 418 |
| Net operating income to assets | -0.1201% | 6,375 |
| Return on assets (ROA) | -0.1079% | 6,413 |
| Pretax return on assets | -0.3923% | 6,588 |
| Return on Equity (ROE) | -1.1064% | 6,415 |
| Retained earnings to average equity (ytd only) | -6.5644% | 6,693 |
| Net charge-offs to loans | 2.6461% | 421 |
| Credit loss provision to net charge-offs | 128.1971% | 2,386 |
| Earnings coverage of net charge-offs (x) | 0.9607% | 4,582 |
| Efficiency ratio | 73.0392% | 3,534 |
| Assets per employee ($millions) | 3.1451% | 5,763 |
| Cash dividends to net income (ytd only)* | -493.3333% | 7,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7759% | 475 |
| Loan loss allowance to noncurrent loans | 70.0946% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 2.7896% | 2,399 |
| Noncurrent loans to loans | 5.3869% | 1,181 |
| Net loans and leases to total assets | 45.7692% | 6,294 |
| Net loans and leases to deposits | 51.1048% | 6,527 |
| Net loans and leases to core deposits | 55.2512% | 6,481 |
| Total domestic deposits to total assets | 89.5596% | 1,213 |
| Equity capital to assets | 9.6832% | 4,563 |
| Core capital (leverage) ratio | 9.1869% | 4,435 |
| Tier 1 risk-based capital ratio | 17.1135% | 2,475 |
| Total risk-based capital ratio | 18.3889% | 2,442 |
| Memoranda: | ||
| Average total assets | $250,339,330 | 2,546 |
| Average earning assets | $229,055,670 | 2,537 |
| Average equity | $24,404,330 | 2,622 |
| Average total loans | $121,159,670 | 3,202 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 5,847 |
| Cost of funding earning assets | 0.5763% | 6,705 |
| Net interest margin | 3.7745% | 3,738 |
| Noninterest income to average assets | 1.0092% | 1,301 |
| Noninterest expense to average assets | 3.3736% | 2,353 |
| Loan and lease loss provision to assets | 2.2427% | 238 |
| Net operating income to assets | -0.5644% | 6,844 |
| Return on assets (ROA) | -0.5398% | 6,828 |
| Pretax return on assets | -1.1165% | 7,030 |
| Return on Equity (ROE) | -5.5190% | 6,838 |
| Retained earnings to average equity (ytd only) | -10.9726% | 6,904 |
| Net charge-offs to loans | 4.6661% | 173 |
| Credit loss provision to net charge-offs | 98.4529% | 2,776 |
| Earnings coverage of net charge-offs (x) | 0.4775% | 4,264 |
| Efficiency ratio | 75.6194% | 3,221 |
| Assets per employee ($millions) | 3.1500% | 5,836 |
| Cash dividends to net income (ytd only)* | -98.8131% | 7,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3815% | 668 |
| Loan loss allowance to noncurrent loans | 73.5187% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 2.3817% | 2,860 |
| Noncurrent loans to loans | 4.5995% | 1,504 |
| Net loans and leases to total assets | 45.2973% | 6,350 |
| Net loans and leases to deposits | 50.4752% | 6,589 |
| Net loans and leases to core deposits | 55.0635% | 6,479 |
| Total domestic deposits to total assets | 89.7417% | 1,327 |
| Equity capital to assets | 9.4740% | 4,477 |
| Core capital (leverage) ratio | 9.4431% | 3,897 |
| Tier 1 risk-based capital ratio | 17.4376% | 2,321 |
| Total risk-based capital ratio | 18.7092% | 2,278 |
| Memoranda: | ||
| Average total assets | $249,704,000 | 2,573 |
| Average earning assets | $228,372,000 | 2,562 |
| Average equity | $24,424,500 | 2,607 |
| Average total loans | $121,900,000 | 3,218 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7481% | 5,627 |
| Cost of funding earning assets | 0.7520% | 6,728 |
| Net interest margin | 3.9961% | 3,038 |
| Noninterest income to average assets | 1.0363% | 1,400 |
| Noninterest expense to average assets | 3.3355% | 2,623 |
| Loan and lease loss provision to assets | 0.6148% | 2,677 |
| Net operating income to assets | 0.6502% | 3,439 |
| Return on assets (ROA) | 0.6873% | 3,402 |
| Pretax return on assets | 0.7549% | 3,782 |
| Return on Equity (ROE) | 6.6878% | 3,264 |
| Retained earnings to average equity (ytd only) | 1.1307% | 4,980 |
| Net charge-offs to loans | 0.6392% | 3,101 |
| Credit loss provision to net charge-offs | 188.3838% | 1,723 |
| Earnings coverage of net charge-offs (x) | 4.0720% | 3,083 |
| Efficiency ratio | 71.5106% | 3,888 |
| Assets per employee ($millions) | 2.8402% | 6,455 |
| Cash dividends to net income (ytd only)* | 83.0935% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2751% | 688 |
| Loan loss allowance to noncurrent loans | 74.7198% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 2.2607% | 3,018 |
| Noncurrent loans to loans | 4.3832% | 1,637 |
| Net loans and leases to total assets | 49.1742% | 6,258 |
| Net loans and leases to deposits | 55.1592% | 6,510 |
| Net loans and leases to core deposits | 58.2220% | 6,544 |
| Total domestic deposits to total assets | 89.1496% | 1,569 |
| Equity capital to assets | 10.1024% | 3,614 |
| Core capital (leverage) ratio | 9.7345% | 3,389 |
| Tier 1 risk-based capital ratio | 17.6002% | 2,133 |
| Total risk-based capital ratio | 18.8715% | 2,091 |
| Memoranda: | ||
| Average total assets | $242,694,600 | 2,612 |
| Average earning assets | $220,340,600 | 2,633 |
| Average equity | $24,941,000 | 2,563 |
| Average total loans | $123,908,200 | 3,236 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 5,678 |
| Cost of funding earning assets | 0.7845% | 6,812 |
| Net interest margin | 4.0107% | 3,050 |
| Noninterest income to average assets | 1.0378% | 1,346 |
| Noninterest expense to average assets | 3.3753% | 2,368 |
| Loan and lease loss provision to assets | 0.5992% | 2,547 |
| Net operating income to assets | 0.6421% | 3,691 |
| Return on assets (ROA) | 0.6565% | 3,785 |
| Pretax return on assets | 0.7049% | 4,214 |
| Return on Equity (ROE) | 6.3607% | 3,647 |
| Retained earnings to average equity (ytd only) | 0.8904% | 5,447 |
| Net charge-offs to loans | 0.7052% | 2,651 |
| Credit loss provision to net charge-offs | 166.2595% | 2,250 |
| Earnings coverage of net charge-offs (x) | 3.5756% | 3,388 |
| Efficiency ratio | 72.3690% | 3,634 |
| Assets per employee ($millions) | 2.7195% | 6,747 |
| Cash dividends to net income (ytd only)* | 86.0018% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0830% | 768 |
| Loan loss allowance to noncurrent loans | 75.0592% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 2.1005% | 3,336 |
| Noncurrent loans to loans | 4.1074% | 1,800 |
| Net loans and leases to total assets | 49.3679% | 6,389 |
| Net loans and leases to deposits | 55.6441% | 6,638 |
| Net loans and leases to core deposits | 58.7800% | 6,685 |
| Total domestic deposits to total assets | 88.7207% | 1,549 |
| Equity capital to assets | 10.3654% | 3,682 |
| Core capital (leverage) ratio | 9.9312% | 3,317 |
| Tier 1 risk-based capital ratio | 17.8388% | 2,062 |
| Total risk-based capital ratio | 19.1083% | 2,024 |
| Memoranda: | ||
| Average total assets | $242,303,750 | 2,660 |
| Average earning assets | $219,076,500 | 2,678 |
| Average equity | $25,007,250 | 2,589 |
| Average total loans | $123,840,500 | 3,287 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7976% | 5,808 |
| Cost of funding earning assets | 0.8066% | 6,891 |
| Net interest margin | 3.9910% | 3,061 |
| Noninterest income to average assets | 1.0116% | 1,347 |
| Noninterest expense to average assets | 3.3871% | 2,299 |
| Loan and lease loss provision to assets | 0.6502% | 2,214 |
| Net operating income to assets | 0.6114% | 3,832 |
| Return on assets (ROA) | 0.6345% | 3,849 |
| Pretax return on assets | 0.6106% | 4,537 |
| Return on Equity (ROE) | 6.1568% | 3,722 |
| Retained earnings to average equity (ytd only) | 0.8246% | 5,440 |
| Net charge-offs to loans | 0.2048% | 4,388 |
| Credit loss provision to net charge-offs | 620.4724% | 590 |
| Earnings coverage of net charge-offs (x) | 11.8110% | 1,728 |
| Efficiency ratio | 73.2382% | 3,615 |
| Assets per employee ($millions) | 2.8140% | 6,545 |
| Cash dividends to net income (ytd only)* | 86.6060% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1891% | 712 |
| Loan loss allowance to noncurrent loans | 71.8901% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 2.3699% | 3,043 |
| Noncurrent loans to loans | 4.4361% | 1,645 |
| Net loans and leases to total assets | 49.9465% | 6,439 |
| Net loans and leases to deposits | 56.2097% | 6,711 |
| Net loans and leases to core deposits | 58.9581% | 6,768 |
| Total domestic deposits to total assets | 88.8574% | 1,516 |
| Equity capital to assets | 10.2072% | 3,757 |
| Core capital (leverage) ratio | 10.0487% | 3,118 |
| Tier 1 risk-based capital ratio | 17.5508% | 2,092 |
| Total risk-based capital ratio | 18.8213% | 2,048 |
| Memoranda: | ||
| Average total assets | $242,393,000 | 2,684 |
| Average earning assets | $219,442,000 | 2,692 |
| Average equity | $24,980,330 | 2,592 |
| Average total loans | $124,024,330 | 3,319 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8327% | 5,754 |
| Cost of funding earning assets | 0.8272% | 7,009 |
| Net interest margin | 4.0054% | 2,853 |
| Noninterest income to average assets | 1.0100% | 1,269 |
| Noninterest expense to average assets | 3.4033% | 2,225 |
| Loan and lease loss provision to assets | 0.3781% | 3,101 |
| Net operating income to assets | 0.8657% | 2,689 |
| Return on assets (ROA) | 0.8657% | 2,773 |
| Pretax return on assets | 0.8342% | 3,732 |
| Return on Equity (ROE) | 8.3600% | 2,709 |
| Retained earnings to average equity (ytd only) | 3.0269% | 4,320 |
| Net charge-offs to loans | 0.0033% | 5,578 |
| Credit loss provision to net charge-offs | 22,800.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 731.0000% | 30 |
| Efficiency ratio | 73.7334% | 3,614 |
| Assets per employee ($millions) | 2.7622% | 6,726 |
| Cash dividends to net income (ytd only)* | 63.7931% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9129% | 886 |
| Loan loss allowance to noncurrent loans | 65.1559% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 2.4058% | 3,027 |
| Noncurrent loans to loans | 4.4707% | 1,675 |
| Net loans and leases to total assets | 50.4256% | 6,426 |
| Net loans and leases to deposits | 57.0018% | 6,698 |
| Net loans and leases to core deposits | 59.9253% | 6,756 |
| Total domestic deposits to total assets | 88.4632% | 1,818 |
| Equity capital to assets | 10.5409% | 3,204 |
| Core capital (leverage) ratio | 10.1479% | 2,985 |
| Tier 1 risk-based capital ratio | 17.8079% | 1,995 |
| Total risk-based capital ratio | 19.0749% | 1,962 |
| Memoranda: | ||
| Average total assets | $241,180,500 | 2,750 |
| Average earning assets | $217,106,500 | 2,778 |
| Average equity | $24,976,000 | 2,611 |
| Average total loans | $122,883,500 | 3,408 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0439% | 6,296 |
| Cost of funding earning assets | 1.0859% | 7,022 |
| Net interest margin | 3.9580% | 3,040 |
| Noninterest income to average assets | 1.0907% | 1,294 |
| Noninterest expense to average assets | 3.3360% | 2,886 |
| Loan and lease loss provision to assets | 1.0096% | 2,261 |
| Net operating income to assets | 0.3723% | 4,239 |
| Return on assets (ROA) | 0.3109% | 4,582 |
| Pretax return on assets | 0.2541% | 4,885 |
| Return on Equity (ROE) | 2.9493% | 4,523 |
| Retained earnings to average equity (ytd only) | -2.5450% | 5,625 |
| Net charge-offs to loans | 0.4369% | 4,051 |
| Credit loss provision to net charge-offs | 440.8759% | 708 |
| Earnings coverage of net charge-offs (x) | 5.7865% | 2,504 |
| Efficiency ratio | 71.5707% | 4,339 |
| Assets per employee ($millions) | 2.7819% | 6,690 |
| Cash dividends to net income (ytd only)* | 186.2903% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7511% | 972 |
| Loan loss allowance to noncurrent loans | 90.1473% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.6151% | 3,948 |
| Noncurrent loans to loans | 3.0518% | 2,526 |
| Net loans and leases to total assets | 48.6171% | 6,763 |
| Net loans and leases to deposits | 54.5658% | 7,016 |
| Net loans and leases to core deposits | 64.6024% | 7,054 |
| Total domestic deposits to total assets | 89.0980% | 1,439 |
| Equity capital to assets | 10.1761% | 3,535 |
| Core capital (leverage) ratio | 9.6275% | 3,551 |
| Tier 1 risk-based capital ratio | 17.6794% | 1,979 |
| Total risk-based capital ratio | 18.9449% | 1,926 |
| Memoranda: | ||
| Average total assets | $239,301,000 | 2,723 |
| Average earning assets | $215,864,800 | 2,758 |
| Average equity | $25,226,000 | 2,588 |
| Average total loans | $125,422,200 | 3,366 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 6,288 |
| Cost of funding earning assets | 1.1431% | 7,056 |
| Net interest margin | 3.9513% | 3,030 |
| Noninterest income to average assets | 1.0883% | 1,344 |
| Noninterest expense to average assets | 3.2486% | 3,131 |
| Loan and lease loss provision to assets | 1.2009% | 1,615 |
| Net operating income to assets | 0.2970% | 4,797 |
| Return on assets (ROA) | 0.2970% | 4,906 |
| Pretax return on assets | 0.2068% | 5,285 |
| Return on Equity (ROE) | 2.7926% | 4,879 |
| Retained earnings to average equity (ytd only) | -2.6134% | 5,842 |
| Net charge-offs to loans | 0.4607% | 3,385 |
| Credit loss provision to net charge-offs | 491.5138% | 804 |
| Earnings coverage of net charge-offs (x) | 5.7615% | 2,741 |
| Efficiency ratio | 69.7677% | 4,635 |
| Assets per employee ($millions) | 2.9048% | 6,395 |
| Cash dividends to net income (ytd only)* | 193.5852% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4782% | 1,086 |
| Loan loss allowance to noncurrent loans | 85.1527% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.4989% | 4,118 |
| Noncurrent loans to loans | 2.9103% | 2,619 |
| Net loans and leases to total assets | 49.9234% | 6,785 |
| Net loans and leases to deposits | 55.9818% | 7,091 |
| Net loans and leases to core deposits | 65.3669% | 7,188 |
| Total domestic deposits to total assets | 89.1779% | 1,113 |
| Equity capital to assets | 9.8949% | 4,218 |
| Core capital (leverage) ratio | 10.2859% | 2,988 |
| Tier 1 risk-based capital ratio | 17.6408% | 2,088 |
| Total risk-based capital ratio | 18.9040% | 2,035 |
| Memoranda: | ||
| Average total assets | $237,924,000 | 2,752 |
| Average earning assets | $214,842,250 | 2,790 |
| Average equity | $25,304,500 | 2,601 |
| Average total loans | $126,181,250 | 3,383 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1665% | 6,202 |
| Cost of funding earning assets | 1.2069% | 7,085 |
| Net interest margin | 3.9596% | 2,866 |
| Noninterest income to average assets | 1.1090% | 1,290 |
| Noninterest expense to average assets | 3.3503% | 2,790 |
| Loan and lease loss provision to assets | 0.2936% | 4,218 |
| Net operating income to assets | 0.8155% | 2,799 |
| Return on assets (ROA) | 0.8155% | 2,895 |
| Pretax return on assets | 1.0558% | 2,792 |
| Return on Equity (ROE) | 7.4791% | 2,992 |
| Retained earnings to average equity (ytd only) | 2.2359% | 4,092 |
| Net charge-offs to loans | 0.1007% | 5,154 |
| Credit loss provision to net charge-offs | 542.8571% | 858 |
| Earnings coverage of net charge-offs (x) | 24.9524% | 1,137 |
| Efficiency ratio | 71.2877% | 4,540 |
| Assets per employee ($millions) | 2.6038% | 7,045 |
| Cash dividends to net income (ytd only)* | 70.1053% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 3,800 |
| Loan loss allowance to noncurrent loans | 44.8311% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 1.6924% | 3,641 |
| Noncurrent loans to loans | 3.0939% | 2,317 |
| Net loans and leases to total assets | 53.9416% | 6,460 |
| Net loans and leases to deposits | 61.2820% | 6,795 |
| Net loans and leases to core deposits | 72.9799% | 6,846 |
| Total domestic deposits to total assets | 88.0220% | 1,761 |
| Equity capital to assets | 10.9471% | 2,968 |
| Core capital (leverage) ratio | 10.6184% | 2,721 |
| Tier 1 risk-based capital ratio | 18.1825% | 1,963 |
| Total risk-based capital ratio | 19.4328% | 1,910 |
| Memoranda: | ||
| Average total assets | $232,993,670 | 2,825 |
| Average earning assets | $211,284,670 | 2,850 |
| Average equity | $25,404,000 | 2,609 |
| Average total loans | $125,118,330 | 3,437 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1571% | 6,458 |
| Cost of funding earning assets | 1.2455% | 7,185 |
| Net interest margin | 3.9116% | 3,002 |
| Noninterest income to average assets | 1.1347% | 1,149 |
| Noninterest expense to average assets | 3.2507% | 2,794 |
| Loan and lease loss provision to assets | 0.2583% | 3,901 |
| Net operating income to assets | 0.9143% | 2,640 |
| Return on assets (ROA) | 0.9143% | 2,783 |
| Pretax return on assets | 1.2052% | 2,613 |
| Return on Equity (ROE) | 8.4022% | 2,968 |
| Retained earnings to average equity (ytd only) | 3.1330% | 4,131 |
| Net charge-offs to loans | 0.0712% | 4,480 |
| Credit loss provision to net charge-offs | 681.8182% | 858 |
| Earnings coverage of net charge-offs (x) | 38.6364% | 878 |
| Efficiency ratio | 68.9554% | 4,783 |
| Assets per employee ($millions) | 2.7313% | 6,807 |
| Cash dividends to net income (ytd only)* | 62.7119% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 3,950 |
| Loan loss allowance to noncurrent loans | 67.8482% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 4,608 |
| Noncurrent loans to loans | 1.9485% | 3,344 |
| Net loans and leases to total assets | 52.3105% | 6,651 |
| Net loans and leases to deposits | 59.4284% | 6,937 |
| Net loans and leases to core deposits | 68.7789% | 7,095 |
| Total domestic deposits to total assets | 88.0226% | 1,739 |
| Equity capital to assets | 10.9850% | 2,978 |
| Core capital (leverage) ratio | 10.8649% | 2,609 |
| Tier 1 risk-based capital ratio | 18.7034% | 1,882 |
| Total risk-based capital ratio | 19.9278% | 1,840 |
| Memoranda: | ||
| Average total assets | $232,317,500 | 2,853 |
| Average earning assets | $212,599,000 | 2,850 |
| Average equity | $25,279,000 | 2,622 |
| Average total loans | $123,583,500 | 3,491 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5987% | 7,070 |
| Cost of funding earning assets | 1.7176% | 7,220 |
| Net interest margin | 3.8811% | 3,654 |
| Noninterest income to average assets | 1.3228% | 833 |
| Noninterest expense to average assets | 3.2137% | 3,288 |
| Loan and lease loss provision to assets | 0.1675% | 5,238 |
| Net operating income to assets | 1.0581% | 2,321 |
| Return on assets (ROA) | 1.0584% | 2,218 |
| Pretax return on assets | 1.4624% | 1,785 |
| Return on Equity (ROE) | 9.5558% | 2,415 |
| Retained earnings to average equity (ytd only) | 4.0965% | 2,583 |
| Net charge-offs to loans | 0.1062% | 5,232 |
| Credit loss provision to net charge-offs | 309.6774% | 1,456 |
| Earnings coverage of net charge-offs (x) | 30.1210% | 1,171 |
| Efficiency ratio | 66.3544% | 5,049 |
| Assets per employee ($millions) | 2.6417% | 6,912 |
| Cash dividends to net income (ytd only)* | 57.1311% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 4,470 |
| Loan loss allowance to noncurrent loans | 66.5040% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 0.9696% | 4,410 |
| Noncurrent loans to loans | 1.8164% | 3,037 |
| Net loans and leases to total assets | 52.7356% | 6,771 |
| Net loans and leases to deposits | 59.6563% | 7,119 |
| Net loans and leases to core deposits | 68.9951% | 7,249 |
| Total domestic deposits to total assets | 88.3991% | 1,289 |
| Equity capital to assets | 10.7776% | 3,225 |
| Core capital (leverage) ratio | 10.6984% | 2,824 |
| Tier 1 risk-based capital ratio | 18.4932% | 1,922 |
| Total risk-based capital ratio | 19.6175% | 1,892 |
| Memoranda: | ||
| Average total assets | $229,209,400 | 2,772 |
| Average earning assets | $207,905,400 | 2,802 |
| Average equity | $25,387,600 | 2,613 |
| Average total loans | $116,743,000 | 3,528 |