Home > Citizens State Bank of Roseau > Performance and Condition Ratios
Citizens State Bank of Roseau, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 4,205 |
| Cost of funding earning assets | 1.3613% | 2,329 |
| Net interest margin | 2.4166% | 4,172 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 1.7368% | 4,089 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.8573% | 2,682 |
| Return on assets (ROA) | 0.8576% | 2,656 |
| Pretax return on assets | 0.9108% | 2,934 |
| Return on Equity (ROE) | 9.8800% | 2,528 |
| Retained earnings to average equity (ytd only) | 3.7523% | 3,043 |
| Net charge-offs to loans | 0.0188% | 1,979 |
| Credit loss provision to net charge-offs | 414.8148% | 769 |
| Earnings coverage of net charge-offs (x) | 99.2222% | 909 |
| Efficiency ratio | 64.6383% | 2,530 |
| Assets per employee ($millions) | 7.9053% | 1,486 |
| Cash dividends to net income (ytd only)* | 62.0347% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 2,610 |
| Loan loss allowance to noncurrent loans | 463.9037% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 2,468 |
| Noncurrent loans to loans | 0.2455% | 2,321 |
| Net loans and leases to total assets | 52.9200% | 3,420 |
| Net loans and leases to deposits | 59.3760% | 3,562 |
| Net loans and leases to core deposits | 63.4839% | 3,612 |
| Total domestic deposits to total assets | 89.1200% | 1,028 |
| Equity capital to assets | 9.2547% | 2,510 |
| Core capital (leverage) ratio | 12.3737% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $281,949,200 | 2,516 |
| Average earning assets | $274,806,400 | 2,438 |
| Average equity | $24,465,000 | 2,549 |
| Average total loans | $143,389,000 | 2,731 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6723% | 4,244 |
| Cost of funding earning assets | 1.2614% | 2,252 |
| Net interest margin | 2.4109% | 4,217 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.7069% | 4,113 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8987% | 2,682 |
| Return on assets (ROA) | 0.8992% | 2,667 |
| Pretax return on assets | 0.9551% | 2,969 |
| Return on Equity (ROE) | 10.5400% | 2,494 |
| Retained earnings to average equity (ytd only) | 3.6504% | 3,343 |
| Net charge-offs to loans | 0.0161% | 1,823 |
| Credit loss provision to net charge-offs | 482.3529% | 650 |
| Earnings coverage of net charge-offs (x) | 123.2941% | 827 |
| Efficiency ratio | 63.2087% | 2,594 |
| Assets per employee ($millions) | 8.0027% | 1,346 |
| Cash dividends to net income (ytd only)* | 65.3664% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,413 |
| Loan loss allowance to noncurrent loans | 203.9239% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 1,714 |
| Noncurrent loans to loans | 0.5833% | 1,373 |
| Net loans and leases to total assets | 50.8600% | 3,563 |
| Net loans and leases to deposits | 57.0571% | 3,653 |
| Net loans and leases to core deposits | 60.7405% | 3,669 |
| Total domestic deposits to total assets | 89.1400% | 1,201 |
| Equity capital to assets | 8.3772% | 2,808 |
| Core capital (leverage) ratio | 12.2886% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $281,288,500 | 2,519 |
| Average earning assets | $274,188,750 | 2,449 |
| Average equity | $23,996,750 | 2,567 |
| Average total loans | $141,152,750 | 2,764 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5641% | 4,286 |
| Cost of funding earning assets | 1.1451% | 2,145 |
| Net interest margin | 2.4190% | 4,286 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.6735% | 4,180 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.9188% | 2,694 |
| Return on assets (ROA) | 0.9195% | 2,675 |
| Pretax return on assets | 0.9805% | 2,971 |
| Return on Equity (ROE) | 10.7100% | 2,502 |
| Retained earnings to average equity (ytd only) | 2.5233% | 3,596 |
| Net charge-offs to loans | 0.0171% | 1,572 |
| Credit loss provision to net charge-offs | 450.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 119.5000% | 847 |
| Efficiency ratio | 62.1736% | 2,693 |
| Assets per employee ($millions) | 7.8142% | 1,408 |
| Cash dividends to net income (ytd only)* | 76.4479% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 2,512 |
| Loan loss allowance to noncurrent loans | 409.6852% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 2,326 |
| Noncurrent loans to loans | 0.2893% | 2,099 |
| Net loans and leases to total assets | 50.1400% | 3,551 |
| Net loans and leases to deposits | 55.1795% | 3,685 |
| Net loans and leases to core deposits | 58.7700% | 3,686 |
| Total domestic deposits to total assets | 90.8700% | 687 |
| Equity capital to assets | 8.6481% | 2,750 |
| Core capital (leverage) ratio | 11.9737% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $281,686,333 | 2,520 |
| Average earning assets | $274,907,667 | 2,452 |
| Average equity | $24,174,333 | 2,562 |
| Average total loans | $140,144,667 | 2,768 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4216% | 4,354 |
| Cost of funding earning assets | 1.0935% | 1,768 |
| Net interest margin | 2.3281% | 4,432 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 1.6702% | 4,227 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.8062% | 3,178 |
| Return on assets (ROA) | 0.8075% | 3,126 |
| Pretax return on assets | 0.8841% | 3,283 |
| Return on Equity (ROE) | 9.4400% | 2,935 |
| Retained earnings to average equity (ytd only) | 1.1453% | 3,846 |
| Net charge-offs to loans | 0.0202% | 1,278 |
| Credit loss provision to net charge-offs | 385.7143% | 613 |
| Earnings coverage of net charge-offs (x) | 92.7143% | 823 |
| Efficiency ratio | 64.4578% | 2,397 |
| Assets per employee ($millions) | 8.1921% | 1,253 |
| Cash dividends to net income (ytd only)* | 87.8735% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,354 |
| Loan loss allowance to noncurrent loans | 647.2868% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 2,657 |
| Noncurrent loans to loans | 0.1910% | 2,518 |
| Net loans and leases to total assets | 47.9000% | 3,639 |
| Net loans and leases to deposits | 52.8209% | 3,751 |
| Net loans and leases to core deposits | 55.8640% | 3,751 |
| Total domestic deposits to total assets | 90.6900% | 919 |
| Equity capital to assets | 8.8665% | 2,615 |
| Core capital (leverage) ratio | 11.6493% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $281,874,500 | 2,548 |
| Average earning assets | $275,075,000 | 2,479 |
| Average equity | $24,097,500 | 2,593 |
| Average total loans | $138,845,000 | 2,810 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8692% | 4,267 |
| Cost of funding earning assets | 0.3035% | 2,845 |
| Net interest margin | 2.5657% | 4,214 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.6842% | 4,205 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.0422% | 2,408 |
| Return on assets (ROA) | 1.0422% | 2,350 |
| Pretax return on assets | 1.1255% | 2,689 |
| Return on Equity (ROE) | 11.5700% | 2,278 |
| Retained earnings to average equity (ytd only) | 5.8144% | 2,715 |
| Net charge-offs to loans | 0.0768% | 877 |
| Credit loss provision to net charge-offs | 124.2718% | 1,440 |
| Earnings coverage of net charge-offs (x) | 32.8641% | 1,638 |
| Efficiency ratio | 59.0144% | 3,188 |
| Assets per employee ($millions) | 7.9227% | 1,363 |
| Cash dividends to net income (ytd only)* | 49.7347% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 2,608 |
| Loan loss allowance to noncurrent loans | 1,222.2222% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 3,038 |
| Noncurrent loans to loans | 0.0947% | 3,087 |
| Net loans and leases to total assets | 49.4200% | 3,551 |
| Net loans and leases to deposits | 55.5133% | 3,603 |
| Net loans and leases to core deposits | 58.0818% | 3,608 |
| Total domestic deposits to total assets | 89.0200% | 1,712 |
| Equity capital to assets | 8.2390% | 2,906 |
| Core capital (leverage) ratio | 11.8291% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $289,389,800 | 2,503 |
| Average earning assets | $282,688,600 | 2,431 |
| Average equity | $26,073,000 | 2,526 |
| Average total loans | $134,094,000 | 2,786 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7768% | 4,216 |
| Cost of funding earning assets | 0.2180% | 3,062 |
| Net interest margin | 2.5588% | 4,153 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.6614% | 4,219 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0669% | 2,224 |
| Return on assets (ROA) | 1.0669% | 2,181 |
| Pretax return on assets | 1.1523% | 2,550 |
| Return on Equity (ROE) | 11.6000% | 2,171 |
| Retained earnings to average equity (ytd only) | 5.6094% | 2,889 |
| Net charge-offs to loans | 0.1111% | 565 |
| Credit loss provision to net charge-offs | 74.5455% | 1,439 |
| Earnings coverage of net charge-offs (x) | 23.5636% | 1,650 |
| Efficiency ratio | 58.2676% | 3,355 |
| Assets per employee ($millions) | 8.4357% | 1,103 |
| Cash dividends to net income (ytd only)* | 51.6351% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 2,709 |
| Loan loss allowance to noncurrent loans | 2,534.9206% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,394 |
| Noncurrent loans to loans | 0.0460% | 3,553 |
| Net loans and leases to total assets | 47.1500% | 3,693 |
| Net loans and leases to deposits | 52.7784% | 3,679 |
| Net loans and leases to core deposits | 54.8540% | 3,696 |
| Total domestic deposits to total assets | 89.3400% | 1,943 |
| Equity capital to assets | 7.8305% | 3,000 |
| Core capital (leverage) ratio | 10.4102% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $290,433,250 | 2,515 |
| Average earning assets | $283,773,000 | 2,440 |
| Average equity | $26,716,500 | 2,531 |
| Average total loans | $131,968,500 | 2,809 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6659% | 4,190 |
| Cost of funding earning assets | 0.1836% | 3,135 |
| Net interest margin | 2.4824% | 4,113 |
| Noninterest income to average assets | 0.3271% | 3,207 |
| Noninterest expense to average assets | 1.6356% | 4,246 |
| Loan and lease loss provision to assets | 0.0370% | 1,923 |
| Net operating income to assets | 0.9951% | 2,178 |
| Return on assets (ROA) | 0.9951% | 2,151 |
| Pretax return on assets | 1.0842% | 2,463 |
| Return on Equity (ROE) | 10.3143% | 2,222 |
| Retained earnings to average equity (ytd only) | 3.9167% | 3,114 |
| Net charge-offs to loans | 0.0138% | 1,499 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 181.6667% | 571 |
| Efficiency ratio | 59.3284% | 3,398 |
| Assets per employee ($millions) | 7.6723% | 1,500 |
| Cash dividends to net income (ytd only)* | 62.0262% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 2,233 |
| Loan loss allowance to noncurrent loans | 457.5342% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 2,648 |
| Noncurrent loans to loans | 0.2821% | 2,334 |
| Net loans and leases to total assets | 43.8137% | 3,847 |
| Net loans and leases to deposits | 48.1229% | 3,917 |
| Net loans and leases to core deposits | 50.0519% | 3,932 |
| Total domestic deposits to total assets | 91.0454% | 1,212 |
| Equity capital to assets | 8.6089% | 2,687 |
| Core capital (leverage) ratio | 11.0087% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,640,000 | 2,527 |
| Average earning assets | $285,452,667 | 2,457 |
| Average equity | $28,135,667 | 2,518 |
| Average total loans | $130,345,000 | 2,835 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5887% | 4,139 |
| Cost of funding earning assets | 0.1763% | 3,141 |
| Net interest margin | 2.4124% | 4,048 |
| Noninterest income to average assets | 0.4141% | 2,591 |
| Noninterest expense to average assets | 1.6072% | 4,283 |
| Loan and lease loss provision to assets | 0.0370% | 1,696 |
| Net operating income to assets | 1.0299% | 1,762 |
| Return on assets (ROA) | 1.0299% | 1,751 |
| Pretax return on assets | 1.1341% | 2,040 |
| Return on Equity (ROE) | 10.1302% | 1,918 |
| Retained earnings to average equity (ytd only) | 6.0835% | 2,226 |
| Net charge-offs to loans | -0.0550% | 4,290 |
| Credit loss provision to net charge-offs | -150.0000% | 2,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8480% | 3,700 |
| Assets per employee ($millions) | 7.9205% | 1,418 |
| Cash dividends to net income (ytd only)* | 39.9467% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 2,162 |
| Loan loss allowance to noncurrent loans | 281.6189% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 2,171 |
| Noncurrent loans to loans | 0.4757% | 1,834 |
| Net loans and leases to total assets | 41.9651% | 3,884 |
| Net loans and leases to deposits | 46.4511% | 3,952 |
| Net loans and leases to core deposits | 48.4750% | 3,962 |
| Total domestic deposits to total assets | 90.3426% | 1,360 |
| Equity capital to assets | 9.3930% | 2,368 |
| Core capital (leverage) ratio | 10.9446% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,686,000 | 2,541 |
| Average earning assets | $285,854,000 | 2,471 |
| Average equity | $29,654,000 | 2,503 |
| Average total loans | $130,813,500 | 2,838 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9939% | 3,884 |
| Cost of funding earning assets | 0.2279% | 3,159 |
| Net interest margin | 2.7660% | 3,741 |
| Noninterest income to average assets | 0.4702% | 2,725 |
| Noninterest expense to average assets | 1.6885% | 4,311 |
| Loan and lease loss provision to assets | 0.0494% | 2,068 |
| Net operating income to assets | 1.3013% | 1,596 |
| Return on assets (ROA) | 1.3023% | 1,633 |
| Pretax return on assets | 1.4462% | 1,892 |
| Return on Equity (ROE) | 11.3030% | 2,050 |
| Retained earnings to average equity (ytd only) | 5.0444% | 2,768 |
| Net charge-offs to loans | 0.0280% | 1,677 |
| Credit loss provision to net charge-offs | 370.2703% | 957 |
| Earnings coverage of net charge-offs (x) | 112.0270% | 823 |
| Efficiency ratio | 53.0471% | 4,026 |
| Assets per employee ($millions) | 7.8463% | 1,422 |
| Cash dividends to net income (ytd only)* | 55.3710% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 2,946 |
| Loan loss allowance to noncurrent loans | 545.3020% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 3,044 |
| Noncurrent loans to loans | 0.2176% | 2,873 |
| Net loans and leases to total assets | 46.6219% | 3,643 |
| Net loans and leases to deposits | 52.4501% | 3,707 |
| Net loans and leases to core deposits | 54.6655% | 3,712 |
| Total domestic deposits to total assets | 88.8882% | 1,579 |
| Equity capital to assets | 10.9472% | 1,823 |
| Core capital (leverage) ratio | 11.1393% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,354,600 | 2,560 |
| Average earning assets | $272,018,000 | 2,470 |
| Average equity | $31,956,200 | 2,426 |
| Average total loans | $132,025,800 | 2,830 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0899% | 3,835 |
| Cost of funding earning assets | 0.2385% | 3,228 |
| Net interest margin | 2.8514% | 3,654 |
| Noninterest income to average assets | 0.4767% | 2,726 |
| Noninterest expense to average assets | 1.6883% | 4,343 |
| Loan and lease loss provision to assets | 0.0412% | 2,172 |
| Net operating income to assets | 1.5429% | 1,164 |
| Return on assets (ROA) | 1.5438% | 1,207 |
| Pretax return on assets | 1.5448% | 1,865 |
| Return on Equity (ROE) | 13.2247% | 1,635 |
| Retained earnings to average equity (ytd only) | 6.1415% | 2,765 |
| Net charge-offs to loans | -0.0316% | 4,154 |
| Credit loss provision to net charge-offs | -274.1935% | 3,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5750% | 4,061 |
| Assets per employee ($millions) | 7.2444% | 1,713 |
| Cash dividends to net income (ytd only)* | 53.5602% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,488 |
| Loan loss allowance to noncurrent loans | 475.6522% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 3,126 |
| Noncurrent loans to loans | 0.2733% | 2,824 |
| Net loans and leases to total assets | 44.1022% | 3,948 |
| Net loans and leases to deposits | 50.0725% | 4,005 |
| Net loans and leases to core deposits | 51.8425% | 4,048 |
| Total domestic deposits to total assets | 88.0767% | 1,796 |
| Equity capital to assets | 11.5400% | 1,639 |
| Core capital (leverage) ratio | 11.3740% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,115,250 | 2,597 |
| Average earning assets | $268,869,000 | 2,514 |
| Average equity | $32,000,000 | 2,458 |
| Average total loans | $130,788,750 | 2,881 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2355% | 3,599 |
| Cost of funding earning assets | 0.2552% | 3,241 |
| Net interest margin | 2.9803% | 3,375 |
| Noninterest income to average assets | 0.4519% | 2,832 |
| Noninterest expense to average assets | 1.6675% | 4,410 |
| Loan and lease loss provision to assets | 0.0428% | 2,156 |
| Net operating income to assets | 1.6682% | 919 |
| Return on assets (ROA) | 1.6711% | 969 |
| Pretax return on assets | 1.6719% | 1,556 |
| Return on Equity (ROE) | 14.2585% | 1,334 |
| Retained earnings to average equity (ytd only) | 6.0820% | 2,770 |
| Net charge-offs to loans | -0.0348% | 4,216 |
| Credit loss provision to net charge-offs | -252.1739% | 3,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3455% | 4,283 |
| Assets per employee ($millions) | 7.0202% | 1,791 |
| Cash dividends to net income (ytd only)* | 57.3445% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 3,003 |
| Loan loss allowance to noncurrent loans | 96.5725% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 1,346 |
| Noncurrent loans to loans | 1.2308% | 977 |
| Net loans and leases to total assets | 47.5432% | 3,773 |
| Net loans and leases to deposits | 53.8583% | 3,862 |
| Net loans and leases to core deposits | 55.8159% | 3,902 |
| Total domestic deposits to total assets | 88.2746% | 1,684 |
| Equity capital to assets | 11.4302% | 1,674 |
| Core capital (leverage) ratio | 11.2243% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,310,333 | 2,603 |
| Average earning assets | $266,482,000 | 2,526 |
| Average equity | $31,798,667 | 2,459 |
| Average total loans | $132,304,000 | 2,870 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3796% | 3,258 |
| Cost of funding earning assets | 0.2826% | 3,169 |
| Net interest margin | 3.0969% | 2,996 |
| Noninterest income to average assets | 0.4232% | 2,972 |
| Noninterest expense to average assets | 1.7242% | 4,334 |
| Loan and lease loss provision to assets | 0.0450% | 2,171 |
| Net operating income to assets | 1.6942% | 950 |
| Return on assets (ROA) | 1.6942% | 999 |
| Pretax return on assets | 1.6957% | 1,503 |
| Return on Equity (ROE) | 14.2688% | 1,380 |
| Retained earnings to average equity (ytd only) | 2.8942% | 3,812 |
| Net charge-offs to loans | 0.0183% | 1,378 |
| Credit loss provision to net charge-offs | 500.0000% | 591 |
| Earnings coverage of net charge-offs (x) | 193.3333% | 408 |
| Efficiency ratio | 49.7618% | 4,204 |
| Assets per employee ($millions) | 6.5349% | 2,149 |
| Cash dividends to net income (ytd only)* | 79.7166% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 3,043 |
| Loan loss allowance to noncurrent loans | 171.3496% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 2,379 |
| Noncurrent loans to loans | 0.6880% | 1,864 |
| Net loans and leases to total assets | 47.3073% | 3,877 |
| Net loans and leases to deposits | 53.6254% | 3,963 |
| Net loans and leases to core deposits | 55.4553% | 4,013 |
| Total domestic deposits to total assets | 88.2182% | 1,731 |
| Equity capital to assets | 11.5177% | 1,533 |
| Core capital (leverage) ratio | 11.6490% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,561,500 | 2,621 |
| Average earning assets | $261,809,000 | 2,542 |
| Average equity | $31,649,500 | 2,454 |
| Average total loans | $130,900,500 | 2,888 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5284% | 3,969 |
| Cost of funding earning assets | 0.5331% | 2,732 |
| Net interest margin | 2.9953% | 3,898 |
| Noninterest income to average assets | 0.5852% | 2,273 |
| Noninterest expense to average assets | 1.9224% | 4,277 |
| Loan and lease loss provision to assets | 0.2236% | 1,749 |
| Net operating income to assets | 1.3675% | 1,090 |
| Return on assets (ROA) | 1.4048% | 1,097 |
| Pretax return on assets | 1.4056% | 1,641 |
| Return on Equity (ROE) | 11.1006% | 1,596 |
| Retained earnings to average equity (ytd only) | 5.0374% | 2,259 |
| Net charge-offs to loans | 0.3987% | 433 |
| Credit loss provision to net charge-offs | 104.8638% | 2,771 |
| Earnings coverage of net charge-offs (x) | 7.4669% | 2,692 |
| Efficiency ratio | 54.7032% | 4,130 |
| Assets per employee ($millions) | 6.1585% | 2,205 |
| Cash dividends to net income (ytd only)* | 54.6206% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 3,108 |
| Loan loss allowance to noncurrent loans | 122.5884% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 2,034 |
| Noncurrent loans to loans | 0.9539% | 1,483 |
| Net loans and leases to total assets | 49.8283% | 3,844 |
| Net loans and leases to deposits | 56.9066% | 3,950 |
| Net loans and leases to core deposits | 59.1232% | 3,996 |
| Total domestic deposits to total assets | 87.5616% | 1,677 |
| Equity capital to assets | 12.2505% | 1,449 |
| Core capital (leverage) ratio | 11.8144% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,103,000 | 2,651 |
| Average earning assets | $235,770,000 | 2,550 |
| Average equity | $30,512,000 | 2,455 |
| Average total loans | $128,924,800 | 2,879 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 3,822 |
| Cost of funding earning assets | 0.5920% | 2,666 |
| Net interest margin | 3.0956% | 3,753 |
| Noninterest income to average assets | 0.5802% | 2,253 |
| Noninterest expense to average assets | 1.9162% | 4,299 |
| Loan and lease loss provision to assets | 0.2691% | 1,513 |
| Net operating income to assets | 1.4183% | 1,064 |
| Return on assets (ROA) | 1.4588% | 1,064 |
| Pretax return on assets | 1.4600% | 1,544 |
| Return on Equity (ROE) | 11.4277% | 1,544 |
| Retained earnings to average equity (ytd only) | 5.0299% | 2,544 |
| Net charge-offs to loans | 0.5321% | 277 |
| Credit loss provision to net charge-offs | 93.1774% | 2,682 |
| Earnings coverage of net charge-offs (x) | 5.8441% | 2,703 |
| Efficiency ratio | 53.1563% | 4,238 |
| Assets per employee ($millions) | 5.9941% | 2,267 |
| Cash dividends to net income (ytd only)* | 55.9846% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 3,149 |
| Loan loss allowance to noncurrent loans | 138.0773% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.6081% | 1,905 |
| Noncurrent loans to loans | 0.8044% | 1,814 |
| Net loans and leases to total assets | 51.8125% | 3,980 |
| Net loans and leases to deposits | 59.4661% | 4,094 |
| Net loans and leases to core deposits | 61.9282% | 4,113 |
| Total domestic deposits to total assets | 87.1295% | 1,615 |
| Equity capital to assets | 12.5027% | 1,428 |
| Core capital (leverage) ratio | 12.0673% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,714,250 | 2,656 |
| Average earning assets | $231,293,750 | 2,569 |
| Average equity | $30,218,250 | 2,461 |
| Average total loans | $128,553,500 | 2,885 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9222% | 3,556 |
| Cost of funding earning assets | 0.6485% | 2,703 |
| Net interest margin | 3.2736% | 3,451 |
| Noninterest income to average assets | 0.4437% | 2,836 |
| Noninterest expense to average assets | 1.9396% | 4,348 |
| Loan and lease loss provision to assets | 0.3116% | 1,384 |
| Net operating income to assets | 1.3897% | 1,137 |
| Return on assets (ROA) | 1.4501% | 1,107 |
| Pretax return on assets | 1.4510% | 1,587 |
| Return on Equity (ROE) | 11.2755% | 1,550 |
| Retained earnings to average equity (ytd only) | 3.8927% | 2,962 |
| Net charge-offs to loans | 0.4693% | 338 |
| Credit loss provision to net charge-offs | 120.7358% | 2,277 |
| Earnings coverage of net charge-offs (x) | 6.5953% | 2,426 |
| Efficiency ratio | 53.2591% | 4,254 |
| Assets per employee ($millions) | 5.8695% | 2,301 |
| Cash dividends to net income (ytd only)* | 65.4762% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 2,685 |
| Loan loss allowance to noncurrent loans | 117.7979% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 1,759 |
| Noncurrent loans to loans | 0.9913% | 1,568 |
| Net loans and leases to total assets | 53.6283% | 3,908 |
| Net loans and leases to deposits | 61.5912% | 4,032 |
| Net loans and leases to core deposits | 64.1993% | 4,068 |
| Total domestic deposits to total assets | 87.0713% | 1,588 |
| Equity capital to assets | 12.5580% | 1,354 |
| Core capital (leverage) ratio | 12.0385% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,701,000 | 2,669 |
| Average earning assets | $226,353,333 | 2,580 |
| Average equity | $29,799,000 | 2,481 |
| Average total loans | $127,436,333 | 2,888 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 4,195 |
| Cost of funding earning assets | 0.7230% | 2,818 |
| Net interest margin | 3.0945% | 4,110 |
| Noninterest income to average assets | 0.3478% | 3,434 |
| Noninterest expense to average assets | 1.9974% | 4,397 |
| Loan and lease loss provision to assets | 0.0624% | 2,984 |
| Net operating income to assets | 1.3090% | 1,220 |
| Return on assets (ROA) | 1.3625% | 1,157 |
| Pretax return on assets | 1.3643% | 1,675 |
| Return on Equity (ROE) | 10.4588% | 1,597 |
| Retained earnings to average equity (ytd only) | 3.6140% | 2,840 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2593% | 3,833 |
| Assets per employee ($millions) | 5.4641% | 2,164 |
| Cash dividends to net income (ytd only)* | 65.4450% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,402 |
| Loan loss allowance to noncurrent loans | 64.8774% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.2338% | 985 |
| Noncurrent loans to loans | 1.9244% | 755 |
| Net loans and leases to total assets | 54.1948% | 3,975 |
| Net loans and leases to deposits | 62.5624% | 4,070 |
| Net loans and leases to core deposits | 74.1849% | 3,620 |
| Total domestic deposits to total assets | 86.6253% | 1,727 |
| Equity capital to assets | 13.0449% | 1,410 |
| Core capital (leverage) ratio | 13.1502% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,291,000 | 2,679 |
| Average earning assets | $219,099,000 | 2,581 |
| Average equity | $29,219,500 | 2,500 |
| Average total loans | $124,271,000 | 2,911 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 4,450 |
| Cost of funding earning assets | 0.7150% | 3,092 |
| Net interest margin | 3.1765% | 4,238 |
| Noninterest income to average assets | 0.4223% | 3,165 |
| Noninterest expense to average assets | 2.0432% | 4,463 |
| Loan and lease loss provision to assets | 0.0962% | 2,115 |
| Net operating income to assets | 1.3932% | 1,361 |
| Return on assets (ROA) | 1.4088% | 1,397 |
| Pretax return on assets | 1.4097% | 2,121 |
| Return on Equity (ROE) | 10.9569% | 1,907 |
| Retained earnings to average equity (ytd only) | 4.7233% | 2,572 |
| Net charge-offs to loans | 0.1735% | 1,164 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 15.4952% | 2,227 |
| Efficiency ratio | 57.8224% | 3,993 |
| Assets per employee ($millions) | 5.3465% | 2,199 |
| Cash dividends to net income (ytd only)* | 56.8921% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,461 |
| Loan loss allowance to noncurrent loans | 73.4214% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.0870% | 1,136 |
| Noncurrent loans to loans | 1.6266% | 861 |
| Net loans and leases to total assets | 55.2631% | 3,973 |
| Net loans and leases to deposits | 63.7521% | 4,087 |
| Net loans and leases to core deposits | 80.9440% | 3,217 |
| Total domestic deposits to total assets | 86.6843% | 1,762 |
| Equity capital to assets | 13.0102% | 1,512 |
| Core capital (leverage) ratio | 12.9697% | 1,248 |
| Tier 1 risk-based capital ratio | 17.0025% | 2,049 |
| Total risk-based capital ratio | 17.8849% | 2,109 |
| Memoranda: | ||
| Average total assets | $218,339,000 | 2,673 |
| Average earning assets | $213,851,600 | 2,573 |
| Average equity | $28,073,600 | 2,489 |
| Average total loans | $121,020,400 | 2,932 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 4,581 |
| Cost of funding earning assets | 0.7010% | 3,221 |
| Net interest margin | 3.1663% | 4,367 |
| Noninterest income to average assets | 0.4145% | 3,232 |
| Noninterest expense to average assets | 2.0542% | 4,447 |
| Loan and lease loss provision to assets | 0.0504% | 2,888 |
| Net operating income to assets | 1.4115% | 1,430 |
| Return on assets (ROA) | 1.4256% | 1,452 |
| Pretax return on assets | 1.4269% | 2,200 |
| Return on Equity (ROE) | 11.1219% | 1,970 |
| Retained earnings to average equity (ytd only) | 4.4046% | 3,193 |
| Net charge-offs to loans | -0.0556% | 4,859 |
| Credit loss provision to net charge-offs | -164.0000% | 4,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4018% | 3,876 |
| Assets per employee ($millions) | 5.2625% | 2,269 |
| Cash dividends to net income (ytd only)* | 60.3969% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 1,904 |
| Loan loss allowance to noncurrent loans | 77.6773% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.1306% | 1,154 |
| Noncurrent loans to loans | 1.6931% | 862 |
| Net loans and leases to total assets | 55.4039% | 4,085 |
| Net loans and leases to deposits | 64.0928% | 4,163 |
| Net loans and leases to core deposits | 81.5738% | 3,279 |
| Total domestic deposits to total assets | 86.4432% | 1,798 |
| Equity capital to assets | 13.1030% | 1,565 |
| Core capital (leverage) ratio | 12.9957% | 1,348 |
| Tier 1 risk-based capital ratio | 15.9930% | 2,428 |
| Total risk-based capital ratio | 16.9090% | 2,514 |
| Memoranda: | ||
| Average total assets | $216,785,000 | 2,710 |
| Average earning assets | $212,441,500 | 2,610 |
| Average equity | $27,788,250 | 2,522 |
| Average total loans | $119,876,500 | 2,973 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8227% | 4,686 |
| Cost of funding earning assets | 0.6712% | 3,313 |
| Net interest margin | 3.1515% | 4,451 |
| Noninterest income to average assets | 0.3612% | 3,513 |
| Noninterest expense to average assets | 2.0616% | 4,486 |
| Loan and lease loss provision to assets | 0.0501% | 2,816 |
| Net operating income to assets | 1.3400% | 1,616 |
| Return on assets (ROA) | 1.3400% | 1,681 |
| Pretax return on assets | 1.3409% | 2,412 |
| Return on Equity (ROE) | 10.5339% | 2,161 |
| Retained earnings to average equity (ytd only) | 2.8689% | 3,783 |
| Net charge-offs to loans | 0.0658% | 1,715 |
| Credit loss provision to net charge-offs | 138.4615% | 1,580 |
| Earnings coverage of net charge-offs (x) | 38.4103% | 1,273 |
| Efficiency ratio | 59.7095% | 3,777 |
| Assets per employee ($millions) | 5.1288% | 2,323 |
| Cash dividends to net income (ytd only)* | 72.7651% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 2,286 |
| Loan loss allowance to noncurrent loans | 57.3646% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.1975% | 1,106 |
| Noncurrent loans to loans | 2.1686% | 627 |
| Net loans and leases to total assets | 54.5351% | 4,178 |
| Net loans and leases to deposits | 62.9439% | 4,278 |
| Net loans and leases to core deposits | 79.8102% | 3,441 |
| Total domestic deposits to total assets | 86.6408% | 1,752 |
| Equity capital to assets | 12.9212% | 1,623 |
| Core capital (leverage) ratio | 12.9462% | 1,324 |
| Tier 1 risk-based capital ratio | 16.1649% | 2,342 |
| Total risk-based capital ratio | 17.0405% | 2,438 |
| Memoranda: | ||
| Average total assets | $215,371,330 | 2,730 |
| Average earning assets | $211,262,330 | 2,626 |
| Average equity | $27,397,330 | 2,540 |
| Average total loans | $118,472,330 | 3,003 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7684% | 4,753 |
| Cost of funding earning assets | 0.6380% | 3,362 |
| Net interest margin | 3.1304% | 4,532 |
| Noninterest income to average assets | 0.3252% | 3,685 |
| Noninterest expense to average assets | 2.1486% | 4,375 |
| Loan and lease loss provision to assets | 0.0508% | 2,638 |
| Net operating income to assets | 1.1956% | 2,072 |
| Return on assets (ROA) | 1.1956% | 2,119 |
| Pretax return on assets | 1.1974% | 2,810 |
| Return on Equity (ROE) | 9.4756% | 2,598 |
| Retained earnings to average equity (ytd only) | 2.0262% | 4,060 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2540% | 3,351 |
| Assets per employee ($millions) | 5.0883% | 2,414 |
| Cash dividends to net income (ytd only)* | 78.6164% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 1,990 |
| Loan loss allowance to noncurrent loans | 49.0997% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.4552% | 835 |
| Noncurrent loans to loans | 2.6919% | 453 |
| Net loans and leases to total assets | 53.3450% | 4,247 |
| Net loans and leases to deposits | 61.4184% | 4,337 |
| Net loans and leases to core deposits | 77.4298% | 3,566 |
| Total domestic deposits to total assets | 86.8550% | 1,884 |
| Equity capital to assets | 12.8207% | 1,553 |
| Core capital (leverage) ratio | 13.2113% | 1,181 |
| Tier 1 risk-based capital ratio | 16.5534% | 2,245 |
| Total risk-based capital ratio | 17.4655% | 2,311 |
| Memoranda: | ||
| Average total assets | $212,788,500 | 2,784 |
| Average earning assets | $208,790,500 | 2,679 |
| Average equity | $26,848,000 | 2,581 |
| Average total loans | $116,816,000 | 3,053 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 4,621 |
| Cost of funding earning assets | 0.4345% | 3,775 |
| Net interest margin | 3.2965% | 4,265 |
| Noninterest income to average assets | 0.3967% | 3,463 |
| Noninterest expense to average assets | 2.1873% | 4,368 |
| Loan and lease loss provision to assets | 0.0602% | 2,958 |
| Net operating income to assets | 1.3789% | 1,507 |
| Return on assets (ROA) | 1.3813% | 1,486 |
| Pretax return on assets | 1.3823% | 2,200 |
| Return on Equity (ROE) | 11.1718% | 2,016 |
| Retained earnings to average equity (ytd only) | 5.0067% | 2,766 |
| Net charge-offs to loans | 0.1113% | 1,639 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 23.9194% | 1,835 |
| Efficiency ratio | 60.2998% | 3,805 |
| Assets per employee ($millions) | 5.0445% | 2,442 |
| Cash dividends to net income (ytd only)* | 55.1845% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 2,191 |
| Loan loss allowance to noncurrent loans | 54.3872% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 977 |
| Noncurrent loans to loans | 2.3353% | 537 |
| Net loans and leases to total assets | 55.0352% | 4,205 |
| Net loans and leases to deposits | 63.7263% | 4,266 |
| Net loans and leases to core deposits | 79.7240% | 3,451 |
| Total domestic deposits to total assets | 86.3618% | 2,066 |
| Equity capital to assets | 12.4120% | 1,628 |
| Core capital (leverage) ratio | 13.3358% | 1,135 |
| Tier 1 risk-based capital ratio | 16.1373% | 2,362 |
| Total risk-based capital ratio | 17.0145% | 2,432 |
| Memoranda: | ||
| Average total assets | $205,965,200 | 2,802 |
| Average earning assets | $201,847,400 | 2,704 |
| Average equity | $25,465,800 | 2,611 |
| Average total loans | $111,437,400 | 3,111 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 4,779 |
| Cost of funding earning assets | 0.3978% | 3,873 |
| Net interest margin | 3.2147% | 4,483 |
| Noninterest income to average assets | 0.4036% | 3,461 |
| Noninterest expense to average assets | 2.1829% | 4,357 |
| Loan and lease loss provision to assets | 0.0417% | 3,160 |
| Net operating income to assets | 1.3282% | 1,750 |
| Return on assets (ROA) | 1.3308% | 1,750 |
| Pretax return on assets | 1.3321% | 2,494 |
| Return on Equity (ROE) | 10.7739% | 2,278 |
| Retained earnings to average equity (ytd only) | 4.2811% | 3,629 |
| Net charge-offs to loans | 0.1421% | 1,151 |
| Credit loss provision to net charge-offs | 54.7009% | 2,794 |
| Earnings coverage of net charge-offs (x) | 17.9739% | 2,080 |
| Efficiency ratio | 61.4199% | 3,596 |
| Assets per employee ($millions) | 4.8733% | 2,627 |
| Cash dividends to net income (ytd only)* | 60.2645% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 2,116 |
| Loan loss allowance to noncurrent loans | 42.0762% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.6802% | 737 |
| Noncurrent loans to loans | 3.0770% | 349 |
| Net loans and leases to total assets | 53.8978% | 4,366 |
| Net loans and leases to deposits | 61.7939% | 4,452 |
| Net loans and leases to core deposits | 78.2368% | 3,636 |
| Total domestic deposits to total assets | 87.2219% | 1,631 |
| Equity capital to assets | 12.2739% | 1,723 |
| Core capital (leverage) ratio | 13.2554% | 1,186 |
| Tier 1 risk-based capital ratio | 16.5494% | 2,256 |
| Total risk-based capital ratio | 17.4326% | 2,326 |
| Memoranda: | ||
| Average total assets | $204,489,500 | 2,839 |
| Average earning assets | $200,408,750 | 2,732 |
| Average equity | $25,258,000 | 2,637 |
| Average total loans | $109,771,250 | 3,161 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4984% | 4,924 |
| Cost of funding earning assets | 0.3681% | 3,951 |
| Net interest margin | 3.1303% | 4,663 |
| Noninterest income to average assets | 0.3727% | 3,666 |
| Noninterest expense to average assets | 2.1484% | 4,489 |
| Loan and lease loss provision to assets | 0.0401% | 3,106 |
| Net operating income to assets | 1.2533% | 1,964 |
| Return on assets (ROA) | 1.2533% | 1,963 |
| Pretax return on assets | 1.2542% | 2,707 |
| Return on Equity (ROE) | 10.1251% | 2,509 |
| Retained earnings to average equity (ytd only) | 2.9719% | 4,068 |
| Net charge-offs to loans | 0.2676% | 598 |
| Credit loss provision to net charge-offs | 28.0822% | 2,638 |
| Earnings coverage of net charge-offs (x) | 9.0616% | 2,423 |
| Efficiency ratio | 62.4041% | 3,575 |
| Assets per employee ($millions) | 4.9297% | 2,512 |
| Cash dividends to net income (ytd only)* | 70.6479% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 2,297 |
| Loan loss allowance to noncurrent loans | 34.4870% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.9537% | 558 |
| Noncurrent loans to loans | 3.7000% | 257 |
| Net loans and leases to total assets | 52.1283% | 4,468 |
| Net loans and leases to deposits | 59.5949% | 4,555 |
| Net loans and leases to core deposits | 74.3099% | 3,861 |
| Total domestic deposits to total assets | 87.4710% | 1,658 |
| Equity capital to assets | 12.1383% | 1,754 |
| Core capital (leverage) ratio | 12.8603% | 1,296 |
| Tier 1 risk-based capital ratio | 16.3355% | 2,316 |
| Total risk-based capital ratio | 17.1897% | 2,397 |
| Memoranda: | ||
| Average total assets | $204,426,670 | 2,863 |
| Average earning assets | $200,493,000 | 2,750 |
| Average equity | $25,303,330 | 2,644 |
| Average total loans | $109,107,000 | 3,186 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5256% | 4,833 |
| Cost of funding earning assets | 0.3391% | 4,072 |
| Net interest margin | 3.1865% | 4,516 |
| Noninterest income to average assets | 0.3584% | 3,745 |
| Noninterest expense to average assets | 2.2017% | 4,413 |
| Loan and lease loss provision to assets | 0.0354% | 3,032 |
| Net operating income to assets | 1.2466% | 1,821 |
| Return on assets (ROA) | 1.2466% | 1,834 |
| Pretax return on assets | 1.2485% | 2,559 |
| Return on Equity (ROE) | 9.9728% | 2,449 |
| Retained earnings to average equity (ytd only) | 3.6709% | 3,728 |
| Net charge-offs to loans | 0.3193% | 477 |
| Credit loss provision to net charge-offs | 20.6897% | 2,123 |
| Earnings coverage of net charge-offs (x) | 7.4943% | 2,083 |
| Efficiency ratio | 63.1638% | 3,608 |
| Assets per employee ($millions) | 4.8747% | 2,639 |
| Cash dividends to net income (ytd only)* | 63.1912% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 2,056 |
| Loan loss allowance to noncurrent loans | 42.1378% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 1.6587% | 792 |
| Noncurrent loans to loans | 3.1803% | 362 |
| Net loans and leases to total assets | 51.4562% | 4,472 |
| Net loans and leases to deposits | 58.8606% | 4,548 |
| Net loans and leases to core deposits | 73.5204% | 3,855 |
| Total domestic deposits to total assets | 87.4206% | 1,942 |
| Equity capital to assets | 12.2883% | 1,613 |
| Core capital (leverage) ratio | 13.0741% | 1,153 |
| Tier 1 risk-based capital ratio | 16.5436% | 2,256 |
| Total risk-based capital ratio | 17.4358% | 2,352 |
| Memoranda: | ||
| Average total assets | $203,116,500 | 2,906 |
| Average earning assets | $199,339,500 | 2,794 |
| Average equity | $25,389,000 | 2,661 |
| Average total loans | $108,998,000 | 3,208 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5407% | 4,712 |
| Cost of funding earning assets | 0.3299% | 3,876 |
| Net interest margin | 3.2109% | 4,420 |
| Noninterest income to average assets | 0.3979% | 3,647 |
| Noninterest expense to average assets | 2.2387% | 4,457 |
| Loan and lease loss provision to assets | 0.0413% | 3,437 |
| Net operating income to assets | 1.2638% | 1,314 |
| Return on assets (ROA) | 1.2638% | 1,338 |
| Pretax return on assets | 1.2648% | 2,487 |
| Return on Equity (ROE) | 9.9805% | 1,894 |
| Retained earnings to average equity (ytd only) | 3.7942% | 2,951 |
| Net charge-offs to loans | 0.3368% | 756 |
| Credit loss provision to net charge-offs | 22.5543% | 3,594 |
| Earnings coverage of net charge-offs (x) | 7.1359% | 3,085 |
| Efficiency ratio | 63.1542% | 3,749 |
| Assets per employee ($millions) | 4.7975% | 2,738 |
| Cash dividends to net income (ytd only)* | 61.9835% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 1,978 |
| Loan loss allowance to noncurrent loans | 38.6797% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.9246% | 608 |
| Noncurrent loans to loans | 3.4870% | 289 |
| Net loans and leases to total assets | 54.4503% | 4,320 |
| Net loans and leases to deposits | 62.6161% | 4,398 |
| Net loans and leases to core deposits | 80.5418% | 3,378 |
| Total domestic deposits to total assets | 86.9589% | 2,019 |
| Equity capital to assets | 12.7145% | 1,396 |
| Core capital (leverage) ratio | 13.1044% | 1,110 |
| Tier 1 risk-based capital ratio | 16.2981% | 2,330 |
| Total risk-based capital ratio | 17.2276% | 2,381 |
| Memoranda: | ||
| Average total assets | $201,057,800 | 2,913 |
| Average earning assets | $197,049,400 | 2,798 |
| Average equity | $25,459,600 | 2,646 |
| Average total loans | $109,268,800 | 3,196 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5225% | 4,763 |
| Cost of funding earning assets | 0.3264% | 3,877 |
| Net interest margin | 3.1961% | 4,456 |
| Noninterest income to average assets | 0.4021% | 3,669 |
| Noninterest expense to average assets | 2.2526% | 4,414 |
| Loan and lease loss provision to assets | 0.0179% | 3,790 |
| Net operating income to assets | 1.2620% | 1,463 |
| Return on assets (ROA) | 1.2620% | 1,492 |
| Pretax return on assets | 1.2633% | 2,657 |
| Return on Equity (ROE) | 9.9763% | 2,148 |
| Retained earnings to average equity (ytd only) | 3.1576% | 4,027 |
| Net charge-offs to loans | 0.3334% | 628 |
| Credit loss provision to net charge-offs | 9.9265% | 3,227 |
| Earnings coverage of net charge-offs (x) | 7.0992% | 2,912 |
| Efficiency ratio | 63.7439% | 3,598 |
| Assets per employee ($millions) | 4.8280% | 2,663 |
| Cash dividends to net income (ytd only)* | 68.3490% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 1,800 |
| Loan loss allowance to noncurrent loans | 52.5956% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.4792% | 1,033 |
| Noncurrent loans to loans | 2.7044% | 528 |
| Net loans and leases to total assets | 53.9170% | 4,423 |
| Net loans and leases to deposits | 62.4957% | 4,479 |
| Net loans and leases to core deposits | 79.7565% | 3,472 |
| Total domestic deposits to total assets | 86.2731% | 2,193 |
| Equity capital to assets | 13.1257% | 1,325 |
| Core capital (leverage) ratio | 13.0313% | 1,196 |
| Tier 1 risk-based capital ratio | 16.1539% | 2,435 |
| Total risk-based capital ratio | 17.1114% | 2,495 |
| Memoranda: | ||
| Average total assets | $200,948,750 | 2,943 |
| Average earning assets | $196,903,000 | 2,825 |
| Average equity | $25,419,750 | 2,670 |
| Average total loans | $108,782,500 | 3,226 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4779% | 4,815 |
| Cost of funding earning assets | 0.3235% | 3,855 |
| Net interest margin | 3.1544% | 4,533 |
| Noninterest income to average assets | 0.3872% | 3,774 |
| Noninterest expense to average assets | 2.2045% | 4,555 |
| Loan and lease loss provision to assets | 0.0178% | 3,607 |
| Net operating income to assets | 1.2538% | 1,427 |
| Return on assets (ROA) | 1.2538% | 1,450 |
| Pretax return on assets | 1.2548% | 2,558 |
| Return on Equity (ROE) | 10.0347% | 2,022 |
| Retained earnings to average equity (ytd only) | 1.9102% | 4,487 |
| Net charge-offs to loans | 0.3194% | 637 |
| Credit loss provision to net charge-offs | 10.3448% | 2,848 |
| Earnings coverage of net charge-offs (x) | 7.3851% | 2,609 |
| Efficiency ratio | 63.4007% | 3,779 |
| Assets per employee ($millions) | 4.5686% | 2,992 |
| Cash dividends to net income (ytd only)* | 80.9637% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 1,542 |
| Loan loss allowance to noncurrent loans | 46.7566% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 1.7332% | 818 |
| Noncurrent loans to loans | 3.2300% | 378 |
| Net loans and leases to total assets | 52.8485% | 4,493 |
| Net loans and leases to deposits | 60.9473% | 4,564 |
| Net loans and leases to core deposits | 77.3036% | 3,653 |
| Total domestic deposits to total assets | 86.7118% | 2,081 |
| Equity capital to assets | 12.7599% | 1,490 |
| Core capital (leverage) ratio | 12.6990% | 1,295 |
| Tier 1 risk-based capital ratio | 15.8294% | 2,572 |
| Total risk-based capital ratio | 16.8376% | 2,601 |
| Memoranda: | ||
| Average total assets | $201,949,330 | 2,947 |
| Average earning assets | $197,818,000 | 2,829 |
| Average equity | $25,232,330 | 2,686 |
| Average total loans | $108,954,330 | 3,243 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4574% | 4,810 |
| Cost of funding earning assets | 0.3229% | 3,817 |
| Net interest margin | 3.1345% | 4,549 |
| Noninterest income to average assets | 0.3913% | 3,730 |
| Noninterest expense to average assets | 2.2172% | 4,594 |
| Loan and lease loss provision to assets | 0.0178% | 3,342 |
| Net operating income to assets | 1.2232% | 1,448 |
| Return on assets (ROA) | 1.2232% | 1,487 |
| Pretax return on assets | 1.2252% | 2,490 |
| Return on Equity (ROE) | 9.8947% | 2,006 |
| Retained earnings to average equity (ytd only) | 1.9022% | 4,362 |
| Net charge-offs to loans | 0.3069% | 604 |
| Credit loss provision to net charge-offs | 10.7143% | 2,220 |
| Earnings coverage of net charge-offs (x) | 7.4881% | 2,130 |
| Efficiency ratio | 64.0777% | 3,819 |
| Assets per employee ($millions) | 4.7716% | 2,741 |
| Cash dividends to net income (ytd only)* | 80.7754% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6084% | 1,355 |
| Loan loss allowance to noncurrent loans | 43.2473% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 1.9271% | 701 |
| Noncurrent loans to loans | 3.7190% | 307 |
| Net loans and leases to total assets | 50.9850% | 4,592 |
| Net loans and leases to deposits | 59.7611% | 4,578 |
| Net loans and leases to core deposits | 75.4631% | 3,701 |
| Total domestic deposits to total assets | 85.3147% | 2,956 |
| Equity capital to assets | 12.2927% | 1,667 |
| Core capital (leverage) ratio | 12.6529% | 1,267 |
| Tier 1 risk-based capital ratio | 15.8727% | 2,601 |
| Total risk-based capital ratio | 16.9391% | 2,613 |
| Memoranda: | ||
| Average total assets | $202,414,000 | 2,968 |
| Average earning assets | $198,184,500 | 2,846 |
| Average equity | $25,023,500 | 2,711 |
| Average total loans | $109,499,000 | 3,255 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4983% | 4,789 |
| Cost of funding earning assets | 0.3171% | 3,881 |
| Net interest margin | 3.1812% | 4,498 |
| Noninterest income to average assets | 0.4000% | 3,882 |
| Noninterest expense to average assets | 2.1887% | 4,800 |
| Loan and lease loss provision to assets | 0.2210% | 996 |
| Net operating income to assets | 1.1047% | 1,883 |
| Return on assets (ROA) | 1.1947% | 1,615 |
| Pretax return on assets | 1.1957% | 2,692 |
| Return on Equity (ROE) | 9.5763% | 2,154 |
| Retained earnings to average equity (ytd only) | 2.9853% | 3,772 |
| Net charge-offs to loans | 0.2499% | 1,110 |
| Credit loss provision to net charge-offs | 168.0147% | 1,646 |
| Earnings coverage of net charge-offs (x) | 10.0846% | 2,680 |
| Efficiency ratio | 62.2592% | 4,209 |
| Assets per employee ($millions) | 4.7536% | 2,718 |
| Cash dividends to net income (ytd only)* | 68.8259% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 1,411 |
| Loan loss allowance to noncurrent loans | 49.4460% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 1.8082% | 812 |
| Noncurrent loans to loans | 3.2038% | 397 |
| Net loans and leases to total assets | 55.5437% | 4,305 |
| Net loans and leases to deposits | 65.2323% | 4,313 |
| Net loans and leases to core deposits | 82.2051% | 3,196 |
| Total domestic deposits to total assets | 85.1475% | 2,980 |
| Equity capital to assets | 12.4343% | 1,560 |
| Core capital (leverage) ratio | 12.4678% | 1,347 |
| Tier 1 risk-based capital ratio | 15.1245% | 2,909 |
| Total risk-based capital ratio | 16.1901% | 2,931 |
| Memoranda: | ||
| Average total assets | $206,746,600 | 2,892 |
| Average earning assets | $202,472,600 | 2,764 |
| Average equity | $25,792,800 | 2,652 |
| Average total loans | $108,861,600 | 3,223 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4890% | 4,840 |
| Cost of funding earning assets | 0.3140% | 3,930 |
| Net interest margin | 3.1750% | 4,564 |
| Noninterest income to average assets | 0.4041% | 3,893 |
| Noninterest expense to average assets | 2.1714% | 4,842 |
| Loan and lease loss provision to assets | 0.0614% | 3,006 |
| Net operating income to assets | 1.2795% | 1,354 |
| Return on assets (ROA) | 1.3856% | 1,151 |
| Pretax return on assets | 1.3869% | 2,086 |
| Return on Equity (ROE) | 11.0977% | 1,636 |
| Retained earnings to average equity (ytd only) | 3.9280% | 3,505 |
| Net charge-offs to loans | 0.0037% | 3,794 |
| Credit loss provision to net charge-offs | 3,200.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 699.6500% | 130 |
| Efficiency ratio | 61.8016% | 4,266 |
| Assets per employee ($millions) | 4.6813% | 2,777 |
| Cash dividends to net income (ytd only)* | 64.6055% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 1,645 |
| Loan loss allowance to noncurrent loans | 81.4726% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.0142% | 2,036 |
| Noncurrent loans to loans | 1.8838% | 1,071 |
| Net loans and leases to total assets | 52.7314% | 4,592 |
| Net loans and leases to deposits | 62.4563% | 4,600 |
| Net loans and leases to core deposits | 80.2924% | 3,416 |
| Total domestic deposits to total assets | 84.4293% | 3,053 |
| Equity capital to assets | 12.9000% | 1,542 |
| Core capital (leverage) ratio | 12.2537% | 1,510 |
| Tier 1 risk-based capital ratio | 14.9538% | 3,077 |
| Total risk-based capital ratio | 15.9532% | 3,125 |
| Memoranda: | ||
| Average total assets | $208,520,750 | 2,884 |
| Average earning assets | $204,218,250 | 2,760 |
| Average equity | $26,034,750 | 2,656 |
| Average total loans | $107,907,500 | 3,256 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4843% | 4,916 |
| Cost of funding earning assets | 0.3119% | 3,997 |
| Net interest margin | 3.1724% | 4,634 |
| Noninterest income to average assets | 0.4088% | 3,811 |
| Noninterest expense to average assets | 2.1340% | 4,985 |
| Loan and lease loss provision to assets | 0.0611% | 2,908 |
| Net operating income to assets | 1.3221% | 1,219 |
| Return on assets (ROA) | 1.4166% | 1,080 |
| Pretax return on assets | 1.4176% | 1,960 |
| Return on Equity (ROE) | 11.4712% | 1,485 |
| Retained earnings to average equity (ytd only) | 2.9626% | 4,029 |
| Net charge-offs to loans | -0.0019% | 4,366 |
| Credit loss provision to net charge-offs | -6,400.0000% | 5,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6571% | 4,557 |
| Assets per employee ($millions) | 4.7467% | 2,635 |
| Cash dividends to net income (ytd only)* | 74.1740% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 1,783 |
| Loan loss allowance to noncurrent loans | 1,224.2647% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 5,263 |
| Noncurrent loans to loans | 0.1243% | 4,944 |
| Net loans and leases to total assets | 51.5887% | 4,707 |
| Net loans and leases to deposits | 59.6118% | 4,818 |
| Net loans and leases to core deposits | 75.4593% | 3,869 |
| Total domestic deposits to total assets | 86.5410% | 2,144 |
| Equity capital to assets | 12.7169% | 1,651 |
| Core capital (leverage) ratio | 11.9577% | 1,653 |
| Tier 1 risk-based capital ratio | 14.4471% | 3,349 |
| Total risk-based capital ratio | 15.4113% | 3,434 |
| Memoranda: | ||
| Average total assets | $209,369,000 | 2,893 |
| Average earning assets | $205,208,670 | 2,760 |
| Average equity | $25,856,000 | 2,678 |
| Average total loans | $107,107,670 | 3,285 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4690% | 4,960 |
| Cost of funding earning assets | 0.3134% | 4,022 |
| Net interest margin | 3.1556% | 4,716 |
| Noninterest income to average assets | 0.3988% | 3,840 |
| Noninterest expense to average assets | 2.1639% | 4,992 |
| Loan and lease loss provision to assets | 0.0611% | 2,723 |
| Net operating income to assets | 1.2651% | 1,354 |
| Return on assets (ROA) | 1.4502% | 987 |
| Pretax return on assets | 1.4521% | 1,743 |
| Return on Equity (ROE) | 11.9197% | 1,338 |
| Retained earnings to average equity (ytd only) | 4.0778% | 3,449 |
| Net charge-offs to loans | 0.0264% | 2,411 |
| Credit loss provision to net charge-offs | 457.1429% | 650 |
| Earnings coverage of net charge-offs (x) | 99.4286% | 537 |
| Efficiency ratio | 61.9672% | 4,447 |
| Assets per employee ($millions) | 4.9761% | 2,367 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 1,816 |
| Loan loss allowance to noncurrent loans | 1,250.0000% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 5,323 |
| Noncurrent loans to loans | 0.1234% | 4,981 |
| Net loans and leases to total assets | 49.6385% | 4,840 |
| Net loans and leases to deposits | 57.0193% | 4,917 |
| Net loans and leases to core deposits | 72.2699% | 4,046 |
| Total domestic deposits to total assets | 87.0557% | 2,187 |
| Equity capital to assets | 12.3079% | 1,824 |
| Core capital (leverage) ratio | 12.0260% | 1,586 |
| Tier 1 risk-based capital ratio | 14.8170% | 3,237 |
| Total risk-based capital ratio | 15.7869% | 3,314 |
| Memoranda: | ||
| Average total assets | $209,625,500 | 2,899 |
| Average earning assets | $205,478,500 | 2,764 |
| Average equity | $25,504,000 | 2,705 |
| Average total loans | $105,956,000 | 3,319 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 4,993 |
| Cost of funding earning assets | 0.3190% | 4,046 |
| Net interest margin | 3.1562% | 4,760 |
| Noninterest income to average assets | 0.4418% | 3,734 |
| Noninterest expense to average assets | 2.1873% | 5,067 |
| Loan and lease loss provision to assets | 0.0614% | 3,075 |
| Net operating income to assets | 1.2822% | 1,313 |
| Return on assets (ROA) | 1.3244% | 1,255 |
| Pretax return on assets | 1.3254% | 2,179 |
| Return on Equity (ROE) | 10.2244% | 1,916 |
| Retained earnings to average equity (ytd only) | -5.6806% | 5,946 |
| Net charge-offs to loans | -0.0470% | 5,531 |
| Credit loss provision to net charge-offs | -272.3404% | 5,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9313% | 4,615 |
| Assets per employee ($millions) | 4.8897% | 2,484 |
| Cash dividends to net income (ytd only)* | 155.5596% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 1,995 |
| Loan loss allowance to noncurrent loans | 363.6364% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 4,734 |
| Noncurrent loans to loans | 0.4130% | 3,969 |
| Net loans and leases to total assets | 49.9130% | 4,877 |
| Net loans and leases to deposits | 58.0940% | 4,902 |
| Net loans and leases to core deposits | 72.3509% | 4,100 |
| Total domestic deposits to total assets | 85.9176% | 2,673 |
| Equity capital to assets | 12.0258% | 1,933 |
| Core capital (leverage) ratio | 11.5900% | 1,894 |
| Tier 1 risk-based capital ratio | 15.1595% | 3,100 |
| Total risk-based capital ratio | 16.1469% | 3,155 |
| Memoranda: | ||
| Average total assets | $208,471,800 | 2,871 |
| Average earning assets | $204,104,400 | 2,739 |
| Average equity | $27,004,000 | 2,550 |
| Average total loans | $100,015,000 | 3,386 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 5,091 |
| Cost of funding earning assets | 0.3182% | 4,132 |
| Net interest margin | 3.1357% | 4,863 |
| Noninterest income to average assets | 0.4333% | 3,844 |
| Noninterest expense to average assets | 2.1772% | 5,110 |
| Loan and lease loss provision to assets | 0.0615% | 2,951 |
| Net operating income to assets | 1.2626% | 1,444 |
| Return on assets (ROA) | 1.3069% | 1,373 |
| Pretax return on assets | 1.3081% | 2,361 |
| Return on Equity (ROE) | 9.9097% | 2,141 |
| Retained earnings to average equity (ytd only) | 3.6159% | 3,895 |
| Net charge-offs to loans | -0.0623% | 5,617 |
| Credit loss provision to net charge-offs | -208.6957% | 5,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1592% | 4,550 |
| Assets per employee ($millions) | 4.8494% | 2,491 |
| Cash dividends to net income (ytd only)* | 63.5114% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 2,047 |
| Loan loss allowance to noncurrent loans | 4,352.7778% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 5,699 |
| Noncurrent loans to loans | 0.0351% | 5,482 |
| Net loans and leases to total assets | 48.4961% | 5,047 |
| Net loans and leases to deposits | 57.6486% | 5,018 |
| Net loans and leases to core deposits | 73.1160% | 4,093 |
| Total domestic deposits to total assets | 84.1237% | 3,373 |
| Equity capital to assets | 13.4896% | 1,231 |
| Core capital (leverage) ratio | 12.7950% | 1,272 |
| Tier 1 risk-based capital ratio | 16.4139% | 2,618 |
| Total risk-based capital ratio | 17.3721% | 2,696 |
| Memoranda: | ||
| Average total assets | $208,025,750 | 2,893 |
| Average earning assets | $203,625,000 | 2,760 |
| Average equity | $27,433,750 | 2,521 |
| Average total loans | $98,382,500 | 3,443 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4199% | 5,184 |
| Cost of funding earning assets | 0.3164% | 4,205 |
| Net interest margin | 3.1034% | 4,965 |
| Noninterest income to average assets | 0.4060% | 4,041 |
| Noninterest expense to average assets | 2.1476% | 5,227 |
| Loan and lease loss provision to assets | 0.0606% | 2,893 |
| Net operating income to assets | 1.2354% | 1,506 |
| Return on assets (ROA) | 1.3018% | 1,376 |
| Pretax return on assets | 1.3028% | 2,354 |
| Return on Equity (ROE) | 9.9478% | 2,091 |
| Retained earnings to average equity (ytd only) | 2.4483% | 4,495 |
| Net charge-offs to loans | -0.1754% | 5,989 |
| Credit loss provision to net charge-offs | -74.1176% | 4,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3464% | 4,628 |
| Assets per employee ($millions) | 4.7014% | 2,677 |
| Cash dividends to net income (ytd only)* | 75.3880% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 1,911 |
| Loan loss allowance to noncurrent loans | 614.4531% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 5,331 |
| Noncurrent loans to loans | 0.2606% | 4,742 |
| Net loans and leases to total assets | 46.7299% | 5,196 |
| Net loans and leases to deposits | 54.2638% | 5,237 |
| Net loans and leases to core deposits | 67.9818% | 4,497 |
| Total domestic deposits to total assets | 86.1163% | 2,631 |
| Equity capital to assets | 13.0155% | 1,397 |
| Core capital (leverage) ratio | 12.5129% | 1,374 |
| Tier 1 risk-based capital ratio | 16.2315% | 2,742 |
| Total risk-based capital ratio | 17.1974% | 2,841 |
| Memoranda: | ||
| Average total assets | $207,859,670 | 2,915 |
| Average earning assets | $203,517,670 | 2,778 |
| Average equity | $27,202,000 | 2,548 |
| Average total loans | $96,945,670 | 3,490 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3547% | 5,314 |
| Cost of funding earning assets | 0.3078% | 4,355 |
| Net interest margin | 3.0469% | 5,085 |
| Noninterest income to average assets | 0.4281% | 3,776 |
| Noninterest expense to average assets | 2.1924% | 5,172 |
| Loan and lease loss provision to assets | 0.0614% | 2,699 |
| Net operating income to assets | 1.1557% | 1,683 |
| Return on assets (ROA) | 1.1557% | 1,787 |
| Pretax return on assets | 1.1576% | 2,845 |
| Return on Equity (ROE) | 8.8073% | 2,543 |
| Retained earnings to average equity (ytd only) | 1.4923% | 4,889 |
| Net charge-offs to loans | -0.3531% | 6,181 |
| Credit loss provision to net charge-offs | -37.6471% | 4,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2656% | 4,438 |
| Assets per employee ($millions) | 4.8509% | 2,559 |
| Cash dividends to net income (ytd only)* | 83.0565% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 2,022 |
| Loan loss allowance to noncurrent loans | 1,427.7778% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 5,699 |
| Noncurrent loans to loans | 0.1127% | 5,360 |
| Net loans and leases to total assets | 45.2184% | 5,253 |
| Net loans and leases to deposits | 52.5946% | 5,300 |
| Net loans and leases to core deposits | 65.5216% | 4,568 |
| Total domestic deposits to total assets | 85.9754% | 2,953 |
| Equity capital to assets | 13.1804% | 1,312 |
| Core capital (leverage) ratio | 12.6709% | 1,281 |
| Tier 1 risk-based capital ratio | 16.9464% | 2,495 |
| Total risk-based capital ratio | 17.9437% | 2,553 |
| Memoranda: | ||
| Average total assets | $208,359,000 | 2,928 |
| Average earning assets | $204,010,500 | 2,793 |
| Average equity | $27,341,000 | 2,548 |
| Average total loans | $96,299,000 | 3,516 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4198% | 5,495 |
| Cost of funding earning assets | 0.3206% | 4,574 |
| Net interest margin | 3.0992% | 5,206 |
| Noninterest income to average assets | 0.4569% | 3,791 |
| Noninterest expense to average assets | 1.9709% | 5,820 |
| Loan and lease loss provision to assets | 0.0756% | 2,964 |
| Net operating income to assets | 1.4293% | 1,021 |
| Return on assets (ROA) | 1.4688% | 973 |
| Pretax return on assets | 1.4697% | 1,659 |
| Return on Equity (ROE) | 11.9669% | 1,422 |
| Retained earnings to average equity (ytd only) | 4.7695% | 2,780 |
| Net charge-offs to loans | 0.2003% | 2,066 |
| Credit loss provision to net charge-offs | 86.2637% | 2,733 |
| Earnings coverage of net charge-offs (x) | 17.1868% | 1,951 |
| Efficiency ratio | 56.6879% | 5,600 |
| Assets per employee ($millions) | 4.8402% | 2,542 |
| Cash dividends to net income (ytd only)* | 60.1442% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 2,590 |
| Loan loss allowance to noncurrent loans | 598.7395% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 5,573 |
| Noncurrent loans to loans | 0.2460% | 4,951 |
| Net loans and leases to total assets | 45.7939% | 5,341 |
| Net loans and leases to deposits | 53.1455% | 5,401 |
| Net loans and leases to core deposits | 66.2155% | 4,655 |
| Total domestic deposits to total assets | 86.1672% | 2,742 |
| Equity capital to assets | 13.0636% | 1,341 |
| Core capital (leverage) ratio | 12.4802% | 1,362 |
| Tier 1 risk-based capital ratio | 20.2023% | 1,556 |
| Total risk-based capital ratio | 21.3053% | 1,556 |
| Memoranda: | ||
| Average total assets | $207,724,200 | 2,904 |
| Average earning assets | $202,408,200 | 2,780 |
| Average equity | $25,495,400 | 2,610 |
| Average total loans | $90,868,400 | 3,614 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4023% | 5,591 |
| Cost of funding earning assets | 0.3206% | 4,667 |
| Net interest margin | 3.0817% | 5,305 |
| Noninterest income to average assets | 0.4341% | 3,991 |
| Noninterest expense to average assets | 1.9490% | 5,858 |
| Loan and lease loss provision to assets | 0.0617% | 3,122 |
| Net operating income to assets | 1.4218% | 1,089 |
| Return on assets (ROA) | 1.4622% | 1,046 |
| Pretax return on assets | 1.4635% | 1,764 |
| Return on Equity (ROE) | 12.1088% | 1,455 |
| Retained earnings to average equity (ytd only) | 4.6106% | 3,352 |
| Net charge-offs to loans | 0.1640% | 2,157 |
| Credit loss provision to net charge-offs | 87.2727% | 2,476 |
| Earnings coverage of net charge-offs (x) | 21.0186% | 1,700 |
| Efficiency ratio | 56.7608% | 5,583 |
| Assets per employee ($millions) | 4.7696% | 2,565 |
| Cash dividends to net income (ytd only)* | 61.9236% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 2,367 |
| Loan loss allowance to noncurrent loans | 926.4516% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 5,857 |
| Noncurrent loans to loans | 0.1707% | 5,397 |
| Net loans and leases to total assets | 43.5816% | 5,550 |
| Net loans and leases to deposits | 50.5251% | 5,617 |
| Net loans and leases to core deposits | 63.1461% | 4,954 |
| Total domestic deposits to total assets | 86.2573% | 2,722 |
| Equity capital to assets | 12.6939% | 1,587 |
| Core capital (leverage) ratio | 12.3289% | 1,496 |
| Tier 1 risk-based capital ratio | 20.3032% | 1,595 |
| Total risk-based capital ratio | 21.4354% | 1,589 |
| Memoranda: | ||
| Average total assets | $207,623,250 | 2,927 |
| Average earning assets | $202,093,750 | 2,802 |
| Average equity | $25,072,000 | 2,669 |
| Average total loans | $89,401,750 | 3,672 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3660% | 5,686 |
| Cost of funding earning assets | 0.3178% | 4,786 |
| Net interest margin | 3.0482% | 5,399 |
| Noninterest income to average assets | 0.4106% | 4,169 |
| Noninterest expense to average assets | 1.8852% | 6,022 |
| Loan and lease loss provision to assets | 0.0604% | 3,062 |
| Net operating income to assets | 1.4276% | 1,004 |
| Return on assets (ROA) | 1.4228% | 1,051 |
| Pretax return on assets | 1.4237% | 1,804 |
| Return on Equity (ROE) | 11.9832% | 1,424 |
| Retained earnings to average equity (ytd only) | 3.2160% | 4,153 |
| Net charge-offs to loans | 0.2406% | 1,602 |
| Credit loss provision to net charge-offs | 58.8785% | 2,660 |
| Earnings coverage of net charge-offs (x) | 14.5047% | 1,908 |
| Efficiency ratio | 55.8715% | 5,759 |
| Assets per employee ($millions) | 5.3208% | 1,853 |
| Cash dividends to net income (ytd only)* | 73.1625% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 2,544 |
| Loan loss allowance to noncurrent loans | 817.4419% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 5,910 |
| Noncurrent loans to loans | 0.1932% | 5,436 |
| Net loans and leases to total assets | 41.1749% | 5,736 |
| Net loans and leases to deposits | 48.3196% | 5,757 |
| Net loans and leases to core deposits | 60.0082% | 5,132 |
| Total domestic deposits to total assets | 85.2136% | 3,404 |
| Equity capital to assets | 12.1120% | 1,910 |
| Core capital (leverage) ratio | 12.0051% | 1,647 |
| Tier 1 risk-based capital ratio | 20.1186% | 1,660 |
| Total risk-based capital ratio | 21.2374% | 1,660 |
| Memoranda: | ||
| Average total assets | $208,467,330 | 2,936 |
| Average earning assets | $202,675,000 | 2,810 |
| Average equity | $24,751,330 | 2,687 |
| Average total loans | $88,929,670 | 3,694 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3568% | 5,736 |
| Cost of funding earning assets | 0.3193% | 4,865 |
| Net interest margin | 3.0375% | 5,419 |
| Noninterest income to average assets | 0.3626% | 4,489 |
| Noninterest expense to average assets | 1.9313% | 6,006 |
| Loan and lease loss provision to assets | 0.0620% | 2,876 |
| Net operating income to assets | 1.3186% | 1,169 |
| Return on assets (ROA) | 1.3030% | 1,250 |
| Pretax return on assets | 1.3050% | 2,073 |
| Return on Equity (ROE) | 11.0900% | 1,656 |
| Retained earnings to average equity (ytd only) | 2.8385% | 4,390 |
| Net charge-offs to loans | 0.0045% | 3,580 |
| Credit loss provision to net charge-offs | 3,200.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 713.0000% | 42 |
| Efficiency ratio | 58.2797% | 5,622 |
| Assets per employee ($millions) | 4.9631% | 2,291 |
| Cash dividends to net income (ytd only)* | 74.4048% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7085% | 2,321 |
| Loan loss allowance to noncurrent loans | 423.1429% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 5,718 |
| Noncurrent loans to loans | 0.4038% | 4,922 |
| Net loans and leases to total assets | 40.8744% | 5,756 |
| Net loans and leases to deposits | 46.8174% | 5,794 |
| Net loans and leases to core deposits | 57.3576% | 5,253 |
| Total domestic deposits to total assets | 87.3059% | 2,633 |
| Equity capital to assets | 11.6708% | 2,122 |
| Core capital (leverage) ratio | 12.1797% | 1,551 |
| Tier 1 risk-based capital ratio | 20.6428% | 1,550 |
| Total risk-based capital ratio | 21.8629% | 1,527 |
| Memoranda: | ||
| Average total assets | $206,285,500 | 2,980 |
| Average earning assets | $200,428,500 | 2,848 |
| Average equity | $24,238,000 | 2,728 |
| Average total loans | $88,875,000 | 3,730 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4389% | 5,759 |
| Cost of funding earning assets | 0.3693% | 4,963 |
| Net interest margin | 3.0696% | 5,403 |
| Noninterest income to average assets | 0.4945% | 3,799 |
| Noninterest expense to average assets | 1.7973% | 6,323 |
| Loan and lease loss provision to assets | 0.0868% | 3,371 |
| Net operating income to assets | 1.5963% | 697 |
| Return on assets (ROA) | 1.5948% | 717 |
| Pretax return on assets | 1.5953% | 1,178 |
| Return on Equity (ROE) | 13.0035% | 1,166 |
| Retained earnings to average equity (ytd only) | 5.6506% | 2,186 |
| Net charge-offs to loans | -0.0266% | 6,201 |
| Credit loss provision to net charge-offs | -769.5652% | 6,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6333% | 6,323 |
| Assets per employee ($millions) | 4.8600% | 2,363 |
| Cash dividends to net income (ytd only)* | 56.5458% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5923% | 2,789 |
| Loan loss allowance to noncurrent loans | 74.1688% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 0.9627% | 3,492 |
| Noncurrent loans to loans | 2.1468% | 1,831 |
| Net loans and leases to total assets | 43.9036% | 5,681 |
| Net loans and leases to deposits | 50.3274% | 5,744 |
| Net loans and leases to core deposits | 62.4041% | 5,023 |
| Total domestic deposits to total assets | 87.2359% | 2,610 |
| Equity capital to assets | 11.8303% | 1,923 |
| Core capital (leverage) ratio | 12.1765% | 1,508 |
| Tier 1 risk-based capital ratio | 20.5517% | 1,526 |
| Total risk-based capital ratio | 21.7493% | 1,514 |
| Memoranda: | ||
| Average total assets | $204,032,200 | 2,987 |
| Average earning assets | $198,493,400 | 2,843 |
| Average equity | $25,024,000 | 2,627 |
| Average total loans | $86,481,400 | 3,770 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4424% | 5,796 |
| Cost of funding earning assets | 0.3769% | 5,031 |
| Net interest margin | 3.0655% | 5,413 |
| Noninterest income to average assets | 0.5170% | 3,695 |
| Noninterest expense to average assets | 1.8724% | 6,223 |
| Loan and lease loss provision to assets | 0.0627% | 3,788 |
| Net operating income to assets | 1.5633% | 806 |
| Return on assets (ROA) | 1.5620% | 856 |
| Pretax return on assets | 1.5626% | 1,437 |
| Return on Equity (ROE) | 12.6237% | 1,330 |
| Retained earnings to average equity (ytd only) | 4.8857% | 3,161 |
| Net charge-offs to loans | -0.0172% | 6,013 |
| Credit loss provision to net charge-offs | -872.7273% | 6,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5114% | 6,145 |
| Assets per employee ($millions) | 5.1975% | 1,933 |
| Cash dividends to net income (ytd only)* | 61.2969% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 3,154 |
| Loan loss allowance to noncurrent loans | 214.7152% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 5,458 |
| Noncurrent loans to loans | 0.7298% | 4,394 |
| Net loans and leases to total assets | 42.0539% | 5,899 |
| Net loans and leases to deposits | 48.5298% | 5,928 |
| Net loans and leases to core deposits | 60.2523% | 5,276 |
| Total domestic deposits to total assets | 86.6559% | 2,883 |
| Equity capital to assets | 12.0580% | 1,883 |
| Core capital (leverage) ratio | 11.8962% | 1,741 |
| Tier 1 risk-based capital ratio | 21.8234% | 1,348 |
| Total risk-based capital ratio | 23.0374% | 1,333 |
| Memoranda: | ||
| Average total assets | $204,010,250 | 3,008 |
| Average earning assets | $198,460,000 | 2,867 |
| Average equity | $25,243,000 | 2,636 |
| Average total loans | $85,335,250 | 3,830 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4151% | 5,871 |
| Cost of funding earning assets | 0.3848% | 5,085 |
| Net interest margin | 3.0302% | 5,495 |
| Noninterest income to average assets | 0.4862% | 3,923 |
| Noninterest expense to average assets | 1.6855% | 6,511 |
| Loan and lease loss provision to assets | 0.0616% | 3,777 |
| Net operating income to assets | 1.6806% | 648 |
| Return on assets (ROA) | 1.6787% | 708 |
| Pretax return on assets | 1.6797% | 1,158 |
| Return on Equity (ROE) | 13.4535% | 1,131 |
| Retained earnings to average equity (ytd only) | 4.4375% | 3,451 |
| Net charge-offs to loans | -0.0188% | 5,953 |
| Credit loss provision to net charge-offs | -787.5000% | 5,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1583% | 6,471 |
| Assets per employee ($millions) | 5.0239% | 2,089 |
| Cash dividends to net income (ytd only)* | 67.0163% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 3,331 |
| Loan loss allowance to noncurrent loans | 536.9919% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 6,111 |
| Noncurrent loans to loans | 0.2899% | 5,574 |
| Net loans and leases to total assets | 40.5582% | 6,009 |
| Net loans and leases to deposits | 46.5692% | 6,070 |
| Net loans and leases to core deposits | 57.0994% | 5,514 |
| Total domestic deposits to total assets | 87.0923% | 2,762 |
| Equity capital to assets | 11.6775% | 2,152 |
| Core capital (leverage) ratio | 11.5464% | 1,898 |
| Tier 1 risk-based capital ratio | 21.6130% | 1,365 |
| Total risk-based capital ratio | 22.8008% | 1,345 |
| Memoranda: | ||
| Average total assets | $204,445,670 | 3,010 |
| Average earning assets | $198,532,670 | 2,887 |
| Average equity | $25,510,000 | 2,628 |
| Average total loans | $84,913,000 | 3,855 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4480% | 5,838 |
| Cost of funding earning assets | 0.3986% | 5,117 |
| Net interest margin | 3.0493% | 5,439 |
| Noninterest income to average assets | 0.5263% | 3,598 |
| Noninterest expense to average assets | 1.8794% | 6,307 |
| Loan and lease loss provision to assets | 0.0628% | 3,586 |
| Net operating income to assets | 1.5416% | 783 |
| Return on assets (ROA) | 1.5475% | 843 |
| Pretax return on assets | 1.5495% | 1,425 |
| Return on Equity (ROE) | 12.0129% | 1,424 |
| Retained earnings to average equity (ytd only) | 4.3905% | 3,602 |
| Net charge-offs to loans | -0.0471% | 6,106 |
| Credit loss provision to net charge-offs | -320.0000% | 5,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9155% | 6,236 |
| Assets per employee ($millions) | 5.4964% | 1,675 |
| Cash dividends to net income (ytd only)* | 63.4518% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 3,525 |
| Loan loss allowance to noncurrent loans | 373.4104% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 6,062 |
| Noncurrent loans to loans | 0.4204% | 5,368 |
| Net loans and leases to total assets | 38.7820% | 6,098 |
| Net loans and leases to deposits | 45.0309% | 6,120 |
| Net loans and leases to core deposits | 54.5259% | 5,636 |
| Total domestic deposits to total assets | 86.1231% | 3,463 |
| Equity capital to assets | 12.5416% | 1,688 |
| Core capital (leverage) ratio | 11.6948% | 1,753 |
| Tier 1 risk-based capital ratio | 19.8776% | 1,809 |
| Total risk-based capital ratio | 20.9655% | 1,818 |
| Memoranda: | ||
| Average total assets | $203,679,500 | 3,059 |
| Average earning assets | $197,682,000 | 2,923 |
| Average equity | $26,238,500 | 2,591 |
| Average total loans | $84,938,500 | 3,869 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8950% | 5,584 |
| Cost of funding earning assets | 0.5379% | 4,930 |
| Net interest margin | 3.3572% | 5,046 |
| Noninterest income to average assets | 0.5948% | 3,310 |
| Noninterest expense to average assets | 1.9798% | 6,366 |
| Loan and lease loss provision to assets | 0.0744% | 4,792 |
| Net operating income to assets | 1.7745% | 535 |
| Return on assets (ROA) | 1.7976% | 576 |
| Pretax return on assets | 1.7986% | 925 |
| Return on Equity (ROE) | 13.4091% | 1,126 |
| Retained earnings to average equity (ytd only) | 1.8297% | 4,933 |
| Net charge-offs to loans | 0.0240% | 5,566 |
| Credit loss provision to net charge-offs | 725.0000% | 341 |
| Earnings coverage of net charge-offs (x) | 180.2500% | 231 |
| Efficiency ratio | 51.6950% | 6,483 |
| Assets per employee ($millions) | 5.2235% | 1,968 |
| Cash dividends to net income (ytd only)* | 86.3546% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 4,028 |
| Loan loss allowance to noncurrent loans | 241.7795% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 5,883 |
| Noncurrent loans to loans | 0.5903% | 5,056 |
| Net loans and leases to total assets | 43.4940% | 5,862 |
| Net loans and leases to deposits | 50.8742% | 5,900 |
| Net loans and leases to core deposits | 62.0699% | 5,148 |
| Total domestic deposits to total assets | 85.4933% | 3,613 |
| Equity capital to assets | 13.2407% | 1,337 |
| Core capital (leverage) ratio | 11.7809% | 1,679 |
| Tier 1 risk-based capital ratio | 19.5091% | 1,810 |
| Total risk-based capital ratio | 20.5549% | 1,841 |
| Memoranda: | ||
| Average total assets | $194,870,800 | 3,116 |
| Average earning assets | $187,777,200 | 2,988 |
| Average equity | $26,124,000 | 2,556 |
| Average total loans | $83,174,400 | 3,934 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9285% | 5,718 |
| Cost of funding earning assets | 0.5639% | 4,969 |
| Net interest margin | 3.3646% | 5,164 |
| Noninterest income to average assets | 0.5767% | 3,433 |
| Noninterest expense to average assets | 1.9714% | 6,401 |
| Loan and lease loss provision to assets | 0.0660% | 4,873 |
| Net operating income to assets | 1.7783% | 597 |
| Return on assets (ROA) | 1.8106% | 625 |
| Pretax return on assets | 1.8120% | 1,013 |
| Return on Equity (ROE) | 13.4636% | 1,231 |
| Retained earnings to average equity (ytd only) | 3.4963% | 4,410 |
| Net charge-offs to loans | 0.0390% | 5,105 |
| Credit loss provision to net charge-offs | 400.0000% | 672 |
| Earnings coverage of net charge-offs (x) | 111.8722% | 383 |
| Efficiency ratio | 51.6478% | 6,483 |
| Assets per employee ($millions) | 5.1039% | 2,046 |
| Cash dividends to net income (ytd only)* | 74.0321% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 4,489 |
| Loan loss allowance to noncurrent loans | 392.4590% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 6,295 |
| Noncurrent loans to loans | 0.3496% | 5,776 |
| Net loans and leases to total assets | 44.3609% | 5,938 |
| Net loans and leases to deposits | 52.7242% | 5,914 |
| Net loans and leases to core deposits | 65.2006% | 5,035 |
| Total domestic deposits to total assets | 84.1377% | 4,156 |
| Equity capital to assets | 13.8299% | 1,223 |
| Core capital (leverage) ratio | 12.1899% | 1,537 |
| Tier 1 risk-based capital ratio | 19.9610% | 1,770 |
| Total risk-based capital ratio | 20.9767% | 1,798 |
| Memoranda: | ||
| Average total assets | $193,965,000 | 3,159 |
| Average earning assets | $186,801,500 | 3,027 |
| Average equity | $26,084,500 | 2,582 |
| Average total loans | $82,072,250 | 4,021 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 5,847 |
| Cost of funding earning assets | 0.5910% | 4,977 |
| Net interest margin | 3.3352% | 5,329 |
| Noninterest income to average assets | 0.5454% | 3,610 |
| Noninterest expense to average assets | 1.9539% | 6,513 |
| Loan and lease loss provision to assets | 0.0660% | 4,811 |
| Net operating income to assets | 1.7425% | 619 |
| Return on assets (ROA) | 1.7879% | 648 |
| Pretax return on assets | 1.7889% | 1,067 |
| Return on Equity (ROE) | 13.4219% | 1,251 |
| Retained earnings to average equity (ytd only) | 1.1146% | 5,626 |
| Net charge-offs to loans | -0.0473% | 6,652 |
| Credit loss provision to net charge-offs | -336.8421% | 6,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9178% | 6,510 |
| Assets per employee ($millions) | 5.1111% | 2,016 |
| Cash dividends to net income (ytd only)* | 91.6955% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 4,091 |
| Loan loss allowance to noncurrent loans | 317.0604% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 6,123 |
| Noncurrent loans to loans | 0.4679% | 5,599 |
| Net loans and leases to total assets | 41.3066% | 6,249 |
| Net loans and leases to deposits | 49.1157% | 6,233 |
| Net loans and leases to core deposits | 60.6980% | 5,521 |
| Total domestic deposits to total assets | 84.1008% | 4,277 |
| Equity capital to assets | 13.4253% | 1,330 |
| Core capital (leverage) ratio | 11.7119% | 1,779 |
| Tier 1 risk-based capital ratio | 20.0716% | 1,689 |
| Total risk-based capital ratio | 21.1265% | 1,702 |
| Memoranda: | ||
| Average total assets | $193,970,000 | 3,165 |
| Average earning assets | $187,154,000 | 3,031 |
| Average equity | $25,838,330 | 2,593 |
| Average total loans | $80,351,330 | 4,093 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 5,911 |
| Cost of funding earning assets | 0.6132% | 5,025 |
| Net interest margin | 3.3329% | 5,359 |
| Noninterest income to average assets | 0.5716% | 3,412 |
| Noninterest expense to average assets | 1.9975% | 6,465 |
| Loan and lease loss provision to assets | 0.0660% | 4,590 |
| Net operating income to assets | 1.7251% | 688 |
| Return on assets (ROA) | 1.8159% | 655 |
| Pretax return on assets | 1.8180% | 1,040 |
| Return on Equity (ROE) | 13.6858% | 1,259 |
| Retained earnings to average equity (ytd only) | -5.9098% | 6,648 |
| Net charge-offs to loans | -0.1253% | 6,865 |
| Credit loss provision to net charge-offs | -128.0000% | 5,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6946% | 6,472 |
| Assets per employee ($millions) | 4.9002% | 2,388 |
| Cash dividends to net income (ytd only)* | 143.1818% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 4,041 |
| Loan loss allowance to noncurrent loans | 158.8710% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 5,932 |
| Noncurrent loans to loans | 0.9602% | 4,756 |
| Net loans and leases to total assets | 38.9268% | 6,428 |
| Net loans and leases to deposits | 46.0007% | 6,433 |
| Net loans and leases to core deposits | 56.5055% | 5,859 |
| Total domestic deposits to total assets | 84.6221% | 4,204 |
| Equity capital to assets | 13.0116% | 1,444 |
| Core capital (leverage) ratio | 11.7378% | 1,744 |
| Tier 1 risk-based capital ratio | 20.0713% | 1,696 |
| Total risk-based capital ratio | 21.1276% | 1,713 |
| Memoranda: | ||
| Average total assets | $193,843,500 | 3,182 |
| Average earning assets | $187,225,500 | 3,049 |
| Average equity | $25,720,000 | 2,600 |
| Average total loans | $79,809,500 | 4,125 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 5,953 |
| Cost of funding earning assets | 0.8267% | 4,656 |
| Net interest margin | 3.4097% | 5,455 |
| Noninterest income to average assets | 0.5232% | 3,696 |
| Noninterest expense to average assets | 2.0433% | 6,596 |
| Loan and lease loss provision to assets | 0.0982% | 5,363 |
| Net operating income to assets | 1.6690% | 582 |
| Return on assets (ROA) | 1.6806% | 610 |
| Pretax return on assets | 1.6817% | 1,028 |
| Return on Equity (ROE) | 12.9407% | 1,180 |
| Retained earnings to average equity (ytd only) | 4.0778% | 3,289 |
| Net charge-offs to loans | 0.0787% | 5,536 |
| Credit loss provision to net charge-offs | 304.9180% | 765 |
| Earnings coverage of net charge-offs (x) | 54.9016% | 517 |
| Efficiency ratio | 53.6085% | 6,551 |
| Assets per employee ($millions) | 4.6751% | 2,642 |
| Cash dividends to net income (ytd only)* | 68.4888% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 4,598 |
| Loan loss allowance to noncurrent loans | 235.3556% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 6,345 |
| Noncurrent loans to loans | 0.5820% | 5,545 |
| Net loans and leases to total assets | 42.2646% | 6,360 |
| Net loans and leases to deposits | 50.3015% | 6,341 |
| Net loans and leases to core deposits | 61.9500% | 5,656 |
| Total domestic deposits to total assets | 84.0227% | 4,306 |
| Equity capital to assets | 13.5310% | 1,251 |
| Core capital (leverage) ratio | 11.9432% | 1,629 |
| Tier 1 risk-based capital ratio | 20.2339% | 1,589 |
| Total risk-based capital ratio | 21.2305% | 1,617 |
| Memoranda: | ||
| Average total assets | $189,395,400 | 3,190 |
| Average earning assets | $182,652,800 | 3,054 |
| Average equity | $24,596,800 | 2,618 |
| Average total loans | $77,490,600 | 4,230 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2361% | 6,121 |
| Cost of funding earning assets | 0.8614% | 4,696 |
| Net interest margin | 3.3747% | 5,651 |
| Noninterest income to average assets | 0.5035% | 3,846 |
| Noninterest expense to average assets | 2.0308% | 6,634 |
| Loan and lease loss provision to assets | 0.0678% | 5,607 |
| Net operating income to assets | 1.6622% | 692 |
| Return on assets (ROA) | 1.6735% | 737 |
| Pretax return on assets | 1.6749% | 1,195 |
| Return on Equity (ROE) | 13.0242% | 1,271 |
| Retained earnings to average equity (ytd only) | 3.2423% | 4,410 |
| Net charge-offs to loans | 0.0664% | 5,297 |
| Credit loss provision to net charge-offs | 252.6316% | 1,137 |
| Earnings coverage of net charge-offs (x) | 64.5204% | 511 |
| Efficiency ratio | 53.9790% | 6,493 |
| Assets per employee ($millions) | 4.7096% | 2,609 |
| Cash dividends to net income (ytd only)* | 75.1054% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 4,887 |
| Loan loss allowance to noncurrent loans | 506.2201% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 6,777 |
| Noncurrent loans to loans | 0.2624% | 6,350 |
| Net loans and leases to total assets | 41.7247% | 6,518 |
| Net loans and leases to deposits | 49.8427% | 6,510 |
| Net loans and leases to core deposits | 61.9658% | 5,816 |
| Total domestic deposits to total assets | 83.7126% | 4,368 |
| Equity capital to assets | 13.6391% | 1,312 |
| Core capital (leverage) ratio | 11.5281% | 2,006 |
| Tier 1 risk-based capital ratio | 20.3619% | 1,599 |
| Total risk-based capital ratio | 21.3225% | 1,637 |
| Memoranda: | ||
| Average total assets | $188,824,750 | 3,218 |
| Average earning assets | $182,335,000 | 3,076 |
| Average equity | $24,262,000 | 2,650 |
| Average total loans | $76,329,000 | 4,304 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1771% | 6,332 |
| Cost of funding earning assets | 0.8804% | 4,825 |
| Net interest margin | 3.2967% | 5,868 |
| Noninterest income to average assets | 0.4657% | 4,147 |
| Noninterest expense to average assets | 2.0045% | 6,781 |
| Loan and lease loss provision to assets | 0.0667% | 5,472 |
| Net operating income to assets | 1.5759% | 765 |
| Return on assets (ROA) | 1.5770% | 807 |
| Pretax return on assets | 1.5780% | 1,298 |
| Return on Equity (ROE) | 12.5291% | 1,331 |
| Retained earnings to average equity (ytd only) | 0.0841% | 5,800 |
| Net charge-offs to loans | 0.1010% | 4,670 |
| Credit loss provision to net charge-offs | 165.7895% | 1,833 |
| Earnings coverage of net charge-offs (x) | 40.8684% | 732 |
| Efficiency ratio | 54.9463% | 6,515 |
| Assets per employee ($millions) | 4.7813% | 2,430 |
| Cash dividends to net income (ytd only)* | 99.3289% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 4,922 |
| Loan loss allowance to noncurrent loans | 341.6667% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 6,710 |
| Noncurrent loans to loans | 0.3896% | 6,122 |
| Net loans and leases to total assets | 38.7588% | 6,819 |
| Net loans and leases to deposits | 45.5827% | 6,849 |
| Net loans and leases to core deposits | 55.6932% | 6,436 |
| Total domestic deposits to total assets | 85.0296% | 3,863 |
| Equity capital to assets | 12.5035% | 1,778 |
| Core capital (leverage) ratio | 11.4102% | 1,967 |
| Tier 1 risk-based capital ratio | 19.7038% | 1,670 |
| Total risk-based capital ratio | 20.6283% | 1,718 |
| Memoranda: | ||
| Average total assets | $188,971,330 | 3,239 |
| Average earning assets | $182,422,670 | 3,095 |
| Average equity | $23,784,670 | 2,674 |
| Average total loans | $75,218,330 | 4,380 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 6,246 |
| Cost of funding earning assets | 0.9162% | 4,804 |
| Net interest margin | 3.3005% | 5,774 |
| Noninterest income to average assets | 0.4832% | 4,019 |
| Noninterest expense to average assets | 2.0621% | 6,712 |
| Loan and lease loss provision to assets | 0.0690% | 5,130 |
| Net operating income to assets | 1.5358% | 812 |
| Return on assets (ROA) | 1.5358% | 854 |
| Pretax return on assets | 1.5380% | 1,333 |
| Return on Equity (ROE) | 12.1598% | 1,416 |
| Retained earnings to average equity (ytd only) | -3.2107% | 6,324 |
| Net charge-offs to loans | 0.0054% | 5,053 |
| Credit loss provision to net charge-offs | 3,200.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 745.0000% | 19 |
| Efficiency ratio | 56.2022% | 6,483 |
| Assets per employee ($millions) | 4.5836% | 2,760 |
| Cash dividends to net income (ytd only)* | 126.4045% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 4,550 |
| Loan loss allowance to noncurrent loans | 335.8306% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 6,742 |
| Noncurrent loans to loans | 0.4238% | 6,151 |
| Net loans and leases to total assets | 37.9943% | 6,903 |
| Net loans and leases to deposits | 44.6734% | 6,925 |
| Net loans and leases to core deposits | 54.7398% | 6,511 |
| Total domestic deposits to total assets | 85.0491% | 4,009 |
| Equity capital to assets | 12.3707% | 1,701 |
| Core capital (leverage) ratio | 11.7642% | 1,697 |
| Tier 1 risk-based capital ratio | 20.4961% | 1,480 |
| Total risk-based capital ratio | 21.4722% | 1,511 |
| Memoranda: | ||
| Average total assets | $185,440,500 | 3,311 |
| Average earning assets | $179,003,500 | 3,165 |
| Average equity | $23,421,500 | 2,698 |
| Average total loans | $74,325,000 | 4,449 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5370% | 6,292 |
| Cost of funding earning assets | 1.2076% | 4,513 |
| Net interest margin | 3.3294% | 5,873 |
| Noninterest income to average assets | 0.5570% | 3,778 |
| Noninterest expense to average assets | 2.2018% | 6,607 |
| Loan and lease loss provision to assets | 0.1095% | 6,056 |
| Net operating income to assets | 1.4440% | 869 |
| Return on assets (ROA) | 1.4588% | 903 |
| Pretax return on assets | 1.4599% | 1,482 |
| Return on Equity (ROE) | 10.7976% | 1,646 |
| Retained earnings to average equity (ytd only) | 2.6112% | 4,033 |
| Net charge-offs to loans | 0.1942% | 5,134 |
| Credit loss provision to net charge-offs | 134.9650% | 2,888 |
| Earnings coverage of net charge-offs (x) | 19.1678% | 1,074 |
| Efficiency ratio | 58.6139% | 6,262 |
| Assets per employee ($millions) | 4.5738% | 2,750 |
| Cash dividends to net income (ytd only)* | 75.8165% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 4,942 |
| Loan loss allowance to noncurrent loans | 357.1429% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 6,834 |
| Noncurrent loans to loans | 0.3674% | 6,322 |
| Net loans and leases to total assets | 41.1127% | 6,895 |
| Net loans and leases to deposits | 48.5616% | 6,922 |
| Net loans and leases to core deposits | 59.3620% | 6,447 |
| Total domestic deposits to total assets | 84.6611% | 4,022 |
| Equity capital to assets | 12.8968% | 1,442 |
| Core capital (leverage) ratio | 11.9717% | 1,569 |
| Tier 1 risk-based capital ratio | 20.4348% | 1,414 |
| Total risk-based capital ratio | 21.3706% | 1,433 |
| Memoranda: | ||
| Average total assets | $176,311,800 | 3,431 |
| Average earning assets | $169,431,000 | 3,293 |
| Average equity | $23,820,200 | 2,673 |
| Average total loans | $73,633,200 | 4,540 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 6,383 |
| Cost of funding earning assets | 1.2570% | 4,518 |
| Net interest margin | 3.3251% | 5,939 |
| Noninterest income to average assets | 0.5283% | 3,953 |
| Noninterest expense to average assets | 2.1612% | 6,710 |
| Loan and lease loss provision to assets | 0.0657% | 6,406 |
| Net operating income to assets | 1.4925% | 939 |
| Return on assets (ROA) | 1.5093% | 988 |
| Pretax return on assets | 1.5108% | 1,583 |
| Return on Equity (ROE) | 11.0399% | 1,773 |
| Retained earnings to average equity (ytd only) | 1.7423% | 5,092 |
| Net charge-offs to loans | 0.1169% | 5,377 |
| Credit loss provision to net charge-offs | 134.3750% | 2,999 |
| Earnings coverage of net charge-offs (x) | 31.9223% | 843 |
| Efficiency ratio | 58.0837% | 6,260 |
| Assets per employee ($millions) | 4.3219% | 3,221 |
| Cash dividends to net income (ytd only)* | 84.2185% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 5,050 |
| Loan loss allowance to noncurrent loans | 271.5084% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 6,847 |
| Noncurrent loans to loans | 0.4722% | 6,249 |
| Net loans and leases to total assets | 43.2945% | 6,888 |
| Net loans and leases to deposits | 51.2563% | 6,928 |
| Net loans and leases to core deposits | 61.8074% | 6,481 |
| Total domestic deposits to total assets | 84.4667% | 3,890 |
| Equity capital to assets | 14.4209% | 1,039 |
| Core capital (leverage) ratio | 12.4943% | 1,411 |
| Tier 1 risk-based capital ratio | 20.5426% | 1,437 |
| Total risk-based capital ratio | 21.4701% | 1,473 |
| Memoranda: | ||
| Average total assets | $174,651,500 | 3,502 |
| Average earning assets | $167,691,000 | 3,367 |
| Average equity | $23,876,500 | 2,708 |
| Average total loans | $72,987,250 | 4,638 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 6,625 |
| Cost of funding earning assets | 1.3009% | 4,534 |
| Net interest margin | 3.2333% | 6,212 |
| Noninterest income to average assets | 0.4965% | 4,149 |
| Noninterest expense to average assets | 2.1399% | 6,792 |
| Loan and lease loss provision to assets | 0.0616% | 6,336 |
| Net operating income to assets | 1.3969% | 1,098 |
| Return on assets (ROA) | 1.4334% | 1,099 |
| Pretax return on assets | 1.4346% | 1,740 |
| Return on Equity (ROE) | 10.6779% | 1,869 |
| Retained earnings to average equity (ytd only) | -0.9267% | 5,954 |
| Net charge-offs to loans | 0.1527% | 4,723 |
| Credit loss provision to net charge-offs | 98.1818% | 4,177 |
| Earnings coverage of net charge-offs (x) | 23.2545% | 1,109 |
| Efficiency ratio | 59.4483% | 6,154 |
| Assets per employee ($millions) | 4.2614% | 3,280 |
| Cash dividends to net income (ytd only)* | 108.6783% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 5,010 |
| Loan loss allowance to noncurrent loans | 195.6701% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 6,655 |
| Noncurrent loans to loans | 0.6566% | 5,939 |
| Net loans and leases to total assets | 41.7323% | 7,054 |
| Net loans and leases to deposits | 49.2459% | 7,101 |
| Net loans and leases to core deposits | 59.5145% | 6,742 |
| Total domestic deposits to total assets | 84.7427% | 3,754 |
| Equity capital to assets | 13.7486% | 1,256 |
| Core capital (leverage) ratio | 12.0511% | 1,616 |
| Tier 1 risk-based capital ratio | 20.4367% | 1,443 |
| Total risk-based capital ratio | 21.3556% | 1,467 |
| Memoranda: | ||
| Average total assets | $175,244,000 | 3,512 |
| Average earning assets | $168,188,670 | 3,370 |
| Average equity | $23,525,330 | 2,740 |
| Average total loans | $72,044,000 | 4,713 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4979% | 6,797 |
| Cost of funding earning assets | 1.3615% | 4,413 |
| Net interest margin | 3.1364% | 6,500 |
| Noninterest income to average assets | 0.4968% | 4,066 |
| Noninterest expense to average assets | 2.1902% | 6,708 |
| Loan and lease loss provision to assets | 0.0615% | 6,027 |
| Net operating income to assets | 1.2512% | 1,401 |
| Return on assets (ROA) | 1.3059% | 1,355 |
| Pretax return on assets | 1.3082% | 2,025 |
| Return on Equity (ROE) | 9.8464% | 2,154 |
| Retained earnings to average equity (ytd only) | -9.5715% | 6,936 |
| Net charge-offs to loans | 0.2249% | 3,581 |
| Credit loss provision to net charge-offs | 67.5000% | 4,154 |
| Earnings coverage of net charge-offs (x) | 14.4250% | 1,432 |
| Efficiency ratio | 62.4837% | 5,735 |
| Assets per employee ($millions) | 4.0937% | 3,656 |
| Cash dividends to net income (ytd only)* | 197.2077% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 4,735 |
| Loan loss allowance to noncurrent loans | 278.8690% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 6,910 |
| Noncurrent loans to loans | 0.4805% | 6,334 |
| Net loans and leases to total assets | 40.1227% | 7,244 |
| Net loans and leases to deposits | 46.9133% | 7,285 |
| Net loans and leases to core deposits | 56.6970% | 6,953 |
| Total domestic deposits to total assets | 85.5253% | 3,400 |
| Equity capital to assets | 13.4132% | 1,357 |
| Core capital (leverage) ratio | 11.9667% | 1,666 |
| Tier 1 risk-based capital ratio | 20.5409% | 1,420 |
| Total risk-based capital ratio | 21.4726% | 1,449 |
| Memoranda: | ||
| Average total assets | $175,508,000 | 3,568 |
| Average earning assets | $168,343,500 | 3,426 |
| Average equity | $23,277,500 | 2,796 |
| Average total loans | $71,135,000 | 4,814 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 6,691 |
| Cost of funding earning assets | 1.8312% | 3,827 |
| Net interest margin | 3.0771% | 6,447 |
| Noninterest income to average assets | 0.5621% | 3,925 |
| Noninterest expense to average assets | 2.1369% | 7,105 |
| Loan and lease loss provision to assets | 0.0980% | 6,637 |
| Net operating income to assets | 1.2715% | 1,089 |
| Return on assets (ROA) | 1.2767% | 1,140 |
| Pretax return on assets | 1.2779% | 1,756 |
| Return on Equity (ROE) | 9.7479% | 1,764 |
| Retained earnings to average equity (ytd only) | 1.6652% | 3,918 |
| Net charge-offs to loans | 0.0961% | 6,173 |
| Credit loss provision to net charge-offs | 244.9275% | 1,453 |
| Earnings coverage of net charge-offs (x) | 34.2464% | 685 |
| Efficiency ratio | 60.9228% | 6,345 |
| Assets per employee ($millions) | 4.2638% | 3,323 |
| Cash dividends to net income (ytd only)* | 82.9169% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 4,683 |
| Loan loss allowance to noncurrent loans | 416.6667% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 6,898 |
| Noncurrent loans to loans | 0.3151% | 6,650 |
| Net loans and leases to total assets | 39.8691% | 7,357 |
| Net loans and leases to deposits | 48.2908% | 7,344 |
| Net loans and leases to core deposits | 65.2233% | 7,022 |
| Total domestic deposits to total assets | 82.5604% | 4,720 |
| Equity capital to assets | 13.1186% | 1,461 |
| Core capital (leverage) ratio | 12.0290% | 1,655 |
| Tier 1 risk-based capital ratio | 20.2038% | 1,426 |
| Total risk-based capital ratio | 21.1085% | 1,448 |
| Memoranda: | ||
| Average total assets | $172,396,800 | 3,568 |
| Average earning assets | $165,025,600 | 3,421 |
| Average equity | $22,579,200 | 2,879 |
| Average total loans | $71,806,400 | 4,806 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9940% | 6,621 |
| Cost of funding earning assets | 1.8980% | 3,899 |
| Net interest margin | 3.0959% | 6,322 |
| Noninterest income to average assets | 0.5498% | 4,075 |
| Noninterest expense to average assets | 2.1672% | 7,057 |
| Loan and lease loss provision to assets | 0.0601% | 6,763 |
| Net operating income to assets | 1.2839% | 1,260 |
| Return on assets (ROA) | 1.2886% | 1,318 |
| Pretax return on assets | 1.2902% | 1,977 |
| Return on Equity (ROE) | 9.8428% | 1,978 |
| Retained earnings to average equity (ytd only) | 0.3877% | 5,034 |
| Net charge-offs to loans | 0.0558% | 6,149 |
| Credit loss provision to net charge-offs | 256.6667% | 1,666 |
| Earnings coverage of net charge-offs (x) | 57.4320% | 572 |
| Efficiency ratio | 61.6941% | 6,166 |
| Assets per employee ($millions) | 4.0554% | 3,628 |
| Cash dividends to net income (ytd only)* | 96.0604% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 4,567 |
| Loan loss allowance to noncurrent loans | 62.6834% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 0.9227% | 5,222 |
| Noncurrent loans to loans | 2.0581% | 3,553 |
| Net loans and leases to total assets | 39.3568% | 7,488 |
| Net loans and leases to deposits | 48.3590% | 7,482 |
| Net loans and leases to core deposits | 65.2073% | 7,197 |
| Total domestic deposits to total assets | 81.3848% | 4,930 |
| Equity capital to assets | 13.4502% | 1,521 |
| Core capital (leverage) ratio | 12.0609% | 1,778 |
| Tier 1 risk-based capital ratio | 20.6991% | 1,422 |
| Total risk-based capital ratio | 21.5873% | 1,445 |
| Memoranda: | ||
| Average total assets | $170,725,750 | 3,618 |
| Average earning assets | $163,393,250 | 3,486 |
| Average equity | $22,350,750 | 2,927 |
| Average total loans | $71,671,000 | 4,854 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0992% | 6,444 |
| Cost of funding earning assets | 1.9339% | 4,093 |
| Net interest margin | 3.1652% | 6,045 |
| Noninterest income to average assets | 0.5345% | 4,150 |
| Noninterest expense to average assets | 2.1498% | 7,172 |
| Loan and lease loss provision to assets | 0.0590% | 6,630 |
| Net operating income to assets | 1.3545% | 1,117 |
| Return on assets (ROA) | 1.3616% | 1,168 |
| Pretax return on assets | 1.3628% | 1,825 |
| Return on Equity (ROE) | 10.4992% | 1,852 |
| Retained earnings to average equity (ytd only) | -1.9197% | 5,718 |
| Net charge-offs to loans | 0.0608% | 5,651 |
| Credit loss provision to net charge-offs | 227.2727% | 2,021 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 647 |
| Efficiency ratio | 60.3112% | 6,491 |
| Assets per employee ($millions) | 4.0356% | 3,611 |
| Cash dividends to net income (ytd only)* | 118.2842% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 4,657 |
| Loan loss allowance to noncurrent loans | 404.6083% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 6,999 |
| Noncurrent loans to loans | 0.3071% | 6,749 |
| Net loans and leases to total assets | 40.2168% | 7,539 |
| Net loans and leases to deposits | 48.8486% | 7,533 |
| Net loans and leases to core deposits | 66.5475% | 7,185 |
| Total domestic deposits to total assets | 82.3295% | 4,557 |
| Equity capital to assets | 12.7337% | 1,819 |
| Core capital (leverage) ratio | 11.8876% | 1,878 |
| Tier 1 risk-based capital ratio | 20.7400% | 1,440 |
| Total risk-based capital ratio | 21.6228% | 1,465 |
| Memoranda: | ||
| Average total assets | $169,506,330 | 3,653 |
| Average earning assets | $162,262,330 | 3,522 |
| Average equity | $21,982,670 | 2,972 |
| Average total loans | $72,385,000 | 4,868 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2424% | 6,149 |
| Cost of funding earning assets | 1.9827% | 4,219 |
| Net interest margin | 3.2596% | 5,662 |
| Noninterest income to average assets | 0.5373% | 4,007 |
| Noninterest expense to average assets | 2.2114% | 6,837 |
| Loan and lease loss provision to assets | 0.0525% | 6,300 |
| Net operating income to assets | 1.3947% | 1,151 |
| Return on assets (ROA) | 1.3947% | 1,240 |
| Pretax return on assets | 1.3947% | 1,983 |
| Return on Equity (ROE) | 10.6543% | 2,085 |
| Retained earnings to average equity (ytd only) | -5.7650% | 6,651 |
| Net charge-offs to loans | 0.0546% | 4,707 |
| Credit loss provision to net charge-offs | 220.0000% | 2,053 |
| Earnings coverage of net charge-offs (x) | 60.6000% | 642 |
| Efficiency ratio | 60.4439% | 6,330 |
| Assets per employee ($millions) | 3.9554% | 3,763 |
| Cash dividends to net income (ytd only)* | 154.1096% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 4,753 |
| Loan loss allowance to noncurrent loans | 221.5938% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 6,591 |
| Noncurrent loans to loans | 0.5450% | 6,051 |
| Net loans and leases to total assets | 41.4566% | 7,500 |
| Net loans and leases to deposits | 50.6869% | 7,467 |
| Net loans and leases to core deposits | 68.4686% | 7,109 |
| Total domestic deposits to total assets | 81.7896% | 4,639 |
| Equity capital to assets | 12.9983% | 1,745 |
| Core capital (leverage) ratio | 12.3674% | 1,735 |
| Tier 1 risk-based capital ratio | 20.9568% | 1,455 |
| Total risk-based capital ratio | 21.8370% | 1,480 |
| Memoranda: | ||
| Average total assets | $167,493,500 | 3,699 |
| Average earning assets | $160,386,000 | 3,561 |
| Average equity | $21,925,500 | 2,984 |
| Average total loans | $73,244,000 | 4,862 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8070% | 6,402 |
| Cost of funding earning assets | 2.5663% | 3,871 |
| Net interest margin | 3.2407% | 6,237 |
| Noninterest income to average assets | 0.5418% | 4,303 |
| Noninterest expense to average assets | 2.1221% | 7,182 |
| Loan and lease loss provision to assets | 0.0985% | 6,123 |
| Net operating income to assets | 1.4116% | 1,204 |
| Return on assets (ROA) | 1.4248% | 1,136 |
| Pretax return on assets | 1.4260% | 1,884 |
| Return on Equity (ROE) | 11.0673% | 1,884 |
| Retained earnings to average equity (ytd only) | 2.1287% | 3,908 |
| Net charge-offs to loans | 0.1126% | 5,141 |
| Credit loss provision to net charge-offs | 191.4634% | 2,566 |
| Earnings coverage of net charge-offs (x) | 29.3902% | 1,181 |
| Efficiency ratio | 58.4052% | 6,623 |
| Assets per employee ($millions) | 3.8350% | 3,892 |
| Cash dividends to net income (ytd only)* | 80.7658% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 5,044 |
| Loan loss allowance to noncurrent loans | 161.2903% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 6,010 |
| Noncurrent loans to loans | 0.7016% | 5,277 |
| Net loans and leases to total assets | 45.0356% | 7,404 |
| Net loans and leases to deposits | 55.3432% | 7,367 |
| Net loans and leases to core deposits | 74.2665% | 6,958 |
| Total domestic deposits to total assets | 81.3751% | 4,475 |
| Equity capital to assets | 13.1853% | 1,714 |
| Core capital (leverage) ratio | 12.9723% | 1,551 |
| Tier 1 risk-based capital ratio | 20.8544% | 1,472 |
| Total risk-based capital ratio | 21.7051% | 1,507 |
| Memoranda: | ||
| Average total assets | $159,464,800 | 3,726 |
| Average earning assets | $152,127,400 | 3,613 |
| Average equity | $20,529,000 | 3,152 |
| Average total loans | $72,810,000 | 4,777 |