Home > Citizens Trust Bank > Performance and Condition Ratios
Citizens Trust Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5374% | 2,059 |
| Cost of funding earning assets | 0.7065% | 4,226 |
| Net interest margin | 4.8309% | 422 |
| Noninterest income to average assets | 0.6300% | 1,401 |
| Noninterest expense to average assets | 2.4115% | 2,547 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 2.1138% | 335 |
| Return on assets (ROA) | 2.1138% | 335 |
| Pretax return on assets | 2.7452% | 234 |
| Return on Equity (ROE) | 19.7800% | 416 |
| Retained earnings to average equity (ytd only) | 12.1755% | 282 |
| Net charge-offs to loans | 0.1031% | 1,153 |
| Credit loss provision to net charge-offs | 129.0954% | 1,575 |
| Earnings coverage of net charge-offs (x) | 52.2518% | 1,194 |
| Efficiency ratio | 46.1430% | 4,163 |
| Assets per employee ($millions) | 9.0167% | 1,054 |
| Cash dividends to net income (ytd only)* | 38.4572% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 2,425 |
| Loan loss allowance to noncurrent loans | 72.9423% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8813% | 792 |
| Noncurrent loans to loans | 1.5750% | 587 |
| Net loans and leases to total assets | 50.8400% | 3,584 |
| Net loans and leases to deposits | 58.0109% | 3,620 |
| Net loans and leases to core deposits | 58.9107% | 3,786 |
| Total domestic deposits to total assets | 87.6300% | 1,660 |
| Equity capital to assets | 10.8148% | 1,669 |
| Core capital (leverage) ratio | 12.2419% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1613% | 581 |
| Memoranda: | ||
| Average total assets | $759,266,000 | 1,273 |
| Average earning assets | $722,761,000 | 1,242 |
| Average equity | $81,121,600 | 1,184 |
| Average total loans | $396,744,600 | 1,531 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6067% | 1,888 |
| Cost of funding earning assets | 0.6298% | 4,293 |
| Net interest margin | 4.9769% | 345 |
| Noninterest income to average assets | 0.5800% | 1,541 |
| Noninterest expense to average assets | 2.4719% | 2,338 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 2.1495% | 344 |
| Return on assets (ROA) | 2.1495% | 352 |
| Pretax return on assets | 2.7916% | 242 |
| Return on Equity (ROE) | 20.1800% | 420 |
| Retained earnings to average equity (ytd only) | 9.8911% | 880 |
| Net charge-offs to loans | 0.0900% | 1,051 |
| Credit loss provision to net charge-offs | 137.5940% | 1,362 |
| Earnings coverage of net charge-offs (x) | 60.4662% | 1,094 |
| Efficiency ratio | 46.3902% | 4,151 |
| Assets per employee ($millions) | 8.6476% | 1,212 |
| Cash dividends to net income (ytd only)* | 50.9956% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 2,500 |
| Loan loss allowance to noncurrent loans | 159.6785% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 1,520 |
| Noncurrent loans to loans | 0.7178% | 1,370 |
| Net loans and leases to total assets | 52.3200% | 3,526 |
| Net loans and leases to deposits | 59.9065% | 3,599 |
| Net loans and leases to core deposits | 60.8289% | 3,756 |
| Total domestic deposits to total assets | 87.3400% | 1,478 |
| Equity capital to assets | 11.1158% | 1,678 |
| Core capital (leverage) ratio | 11.9373% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5992% | 627 |
| Memoranda: | ||
| Average total assets | $750,715,250 | 1,277 |
| Average earning assets | $715,980,000 | 1,243 |
| Average equity | $79,949,000 | 1,195 |
| Average total loans | $393,914,250 | 1,532 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5890% | 1,794 |
| Cost of funding earning assets | 0.5370% | 4,331 |
| Net interest margin | 5.0520% | 315 |
| Noninterest income to average assets | 0.5800% | 1,524 |
| Noninterest expense to average assets | 2.5021% | 2,237 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 2.1864% | 347 |
| Return on assets (ROA) | 2.1864% | 341 |
| Pretax return on assets | 2.8396% | 237 |
| Return on Equity (ROE) | 20.8400% | 402 |
| Retained earnings to average equity (ytd only) | 5.0358% | 2,323 |
| Net charge-offs to loans | 0.0596% | 1,176 |
| Credit loss provision to net charge-offs | 213.7931% | 983 |
| Earnings coverage of net charge-offs (x) | 93.2500% | 801 |
| Efficiency ratio | 46.2643% | 4,173 |
| Assets per employee ($millions) | 8.3189% | 1,284 |
| Cash dividends to net income (ytd only)* | 75.8417% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 2,386 |
| Loan loss allowance to noncurrent loans | 239.1150% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 2,129 |
| Noncurrent loans to loans | 0.4902% | 1,779 |
| Net loans and leases to total assets | 52.3600% | 3,520 |
| Net loans and leases to deposits | 59.9040% | 3,580 |
| Net loans and leases to core deposits | 60.8065% | 3,735 |
| Total domestic deposits to total assets | 87.4100% | 1,511 |
| Equity capital to assets | 10.2704% | 1,924 |
| Core capital (leverage) ratio | 11.6244% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6798% | 617 |
| Memoranda: | ||
| Average total assets | $744,408,667 | 1,276 |
| Average earning assets | $710,964,000 | 1,250 |
| Average equity | $78,081,667 | 1,213 |
| Average total loans | $389,433,667 | 1,540 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4759% | 1,859 |
| Cost of funding earning assets | 0.4891% | 4,365 |
| Net interest margin | 4.9868% | 329 |
| Noninterest income to average assets | 0.5900% | 1,395 |
| Noninterest expense to average assets | 2.4772% | 2,306 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 2.1189% | 378 |
| Return on assets (ROA) | 2.1189% | 385 |
| Pretax return on assets | 2.7519% | 274 |
| Return on Equity (ROE) | 19.9900% | 436 |
| Retained earnings to average equity (ytd only) | 19.9877% | 189 |
| Net charge-offs to loans | 0.0959% | 743 |
| Credit loss provision to net charge-offs | 239.1304% | 746 |
| Earnings coverage of net charge-offs (x) | 57.5870% | 914 |
| Efficiency ratio | 46.3167% | 4,168 |
| Assets per employee ($millions) | 8.1644% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 2,334 |
| Loan loss allowance to noncurrent loans | 220.8275% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 1,953 |
| Noncurrent loans to loans | 0.5392% | 1,573 |
| Net loans and leases to total assets | 53.0400% | 3,414 |
| Net loans and leases to deposits | 60.7178% | 3,472 |
| Net loans and leases to core deposits | 61.6214% | 3,709 |
| Total domestic deposits to total assets | 87.3600% | 1,648 |
| Equity capital to assets | 10.8604% | 1,555 |
| Core capital (leverage) ratio | 12.1664% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5840% | 568 |
| Memoranda: | ||
| Average total assets | $738,104,000 | 1,286 |
| Average earning assets | $704,983,500 | 1,262 |
| Average equity | $78,248,000 | 1,199 |
| Average total loans | $383,615,500 | 1,558 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1267% | 1,800 |
| Cost of funding earning assets | 0.2780% | 4,393 |
| Net interest margin | 4.8488% | 393 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.5956% | 2,021 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.0755% | 418 |
| Return on assets (ROA) | 2.0755% | 405 |
| Pretax return on assets | 2.6957% | 282 |
| Return on Equity (ROE) | 22.6900% | 413 |
| Retained earnings to average equity (ytd only) | 18.3329% | 179 |
| Net charge-offs to loans | 0.0786% | 1,079 |
| Credit loss provision to net charge-offs | 235.9155% | 1,114 |
| Earnings coverage of net charge-offs (x) | 72.9472% | 1,078 |
| Efficiency ratio | 48.2230% | 4,080 |
| Assets per employee ($millions) | 8.2379% | 1,313 |
| Cash dividends to net income (ytd only)* | 19.2106% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 2,140 |
| Loan loss allowance to noncurrent loans | 248.0456% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 1,969 |
| Noncurrent loans to loans | 0.4941% | 1,551 |
| Net loans and leases to total assets | 49.6600% | 3,618 |
| Net loans and leases to deposits | 56.4457% | 3,688 |
| Net loans and leases to core deposits | 57.2571% | 3,864 |
| Total domestic deposits to total assets | 87.9800% | 1,368 |
| Equity capital to assets | 10.3443% | 1,818 |
| Core capital (leverage) ratio | 11.8827% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6018% | 565 |
| Memoranda: | ||
| Average total assets | $743,377,800 | 1,253 |
| Average earning assets | $710,197,000 | 1,213 |
| Average equity | $67,992,400 | 1,275 |
| Average total loans | $361,480,800 | 1,574 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 1,680 |
| Cost of funding earning assets | 0.2201% | 4,426 |
| Net interest margin | 4.8541% | 381 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.5995% | 1,944 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 2.0473% | 472 |
| Return on assets (ROA) | 2.0473% | 464 |
| Pretax return on assets | 2.6588% | 330 |
| Return on Equity (ROE) | 23.1400% | 481 |
| Retained earnings to average equity (ytd only) | 17.1339% | 382 |
| Net charge-offs to loans | 0.0911% | 838 |
| Credit loss provision to net charge-offs | 151.0204% | 1,318 |
| Earnings coverage of net charge-offs (x) | 62.0571% | 1,187 |
| Efficiency ratio | 48.8201% | 3,995 |
| Assets per employee ($millions) | 7.5809% | 1,579 |
| Cash dividends to net income (ytd only)* | 25.9499% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,564 |
| Loan loss allowance to noncurrent loans | 252.9654% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 2,035 |
| Noncurrent loans to loans | 0.4591% | 1,674 |
| Net loans and leases to total assets | 52.5700% | 3,456 |
| Net loans and leases to deposits | 59.3788% | 3,540 |
| Net loans and leases to core deposits | 60.2807% | 3,693 |
| Total domestic deposits to total assets | 88.5300% | 1,401 |
| Equity capital to assets | 9.7663% | 1,951 |
| Core capital (leverage) ratio | 11.2514% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5162% | 659 |
| Memoranda: | ||
| Average total assets | $743,869,000 | 1,246 |
| Average earning assets | $710,556,250 | 1,212 |
| Average equity | $65,817,000 | 1,297 |
| Average total loans | $358,658,750 | 1,581 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9406% | 1,677 |
| Cost of funding earning assets | 0.1385% | 4,488 |
| Net interest margin | 4.8021% | 406 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.6025% | 1,924 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.9280% | 533 |
| Return on assets (ROA) | 1.9280% | 530 |
| Pretax return on assets | 2.5037% | 358 |
| Return on Equity (ROE) | 22.5100% | 511 |
| Retained earnings to average equity (ytd only) | 13.3925% | 758 |
| Net charge-offs to loans | 0.1004% | 678 |
| Credit loss provision to net charge-offs | 139.8876% | 1,240 |
| Earnings coverage of net charge-offs (x) | 54.8034% | 1,237 |
| Efficiency ratio | 50.3208% | 3,897 |
| Assets per employee ($millions) | 7.8040% | 1,413 |
| Cash dividends to net income (ytd only)* | 40.4918% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 2,695 |
| Loan loss allowance to noncurrent loans | 270.6107% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 2,111 |
| Noncurrent loans to loans | 0.4263% | 1,660 |
| Net loans and leases to total assets | 50.2200% | 3,546 |
| Net loans and leases to deposits | 56.1417% | 3,641 |
| Net loans and leases to core deposits | 57.2713% | 3,751 |
| Total domestic deposits to total assets | 89.4500% | 1,095 |
| Equity capital to assets | 9.0621% | 2,476 |
| Core capital (leverage) ratio | 10.4699% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5786% | 752 |
| Memoranda: | ||
| Average total assets | $759,344,667 | 1,226 |
| Average earning assets | $726,186,333 | 1,193 |
| Average equity | $65,051,333 | 1,305 |
| Average total loans | $354,571,000 | 1,585 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 1,804 |
| Cost of funding earning assets | 0.1097% | 4,520 |
| Net interest margin | 4.6078% | 503 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.5346% | 2,150 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.8559% | 610 |
| Return on assets (ROA) | 1.8559% | 601 |
| Pretax return on assets | 2.4104% | 404 |
| Return on Equity (ROE) | 22.2700% | 562 |
| Retained earnings to average equity (ytd only) | 22.2655% | 276 |
| Net charge-offs to loans | 0.1324% | 502 |
| Credit loss provision to net charge-offs | 40.8696% | 1,317 |
| Earnings coverage of net charge-offs (x) | 41.0783% | 1,180 |
| Efficiency ratio | 51.0060% | 3,851 |
| Assets per employee ($millions) | 8.4712% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 2,761 |
| Loan loss allowance to noncurrent loans | 283.5975% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 2,171 |
| Noncurrent loans to loans | 0.4097% | 1,704 |
| Net loans and leases to total assets | 46.9500% | 3,713 |
| Net loans and leases to deposits | 52.5119% | 3,764 |
| Net loans and leases to core deposits | 53.9168% | 3,836 |
| Total domestic deposits to total assets | 89.4200% | 1,372 |
| Equity capital to assets | 8.9283% | 2,570 |
| Core capital (leverage) ratio | 9.6533% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1644% | 728 |
| Memoranda: | ||
| Average total assets | $776,132,000 | 1,218 |
| Average earning assets | $743,522,000 | 1,190 |
| Average equity | $64,692,000 | 1,320 |
| Average total loans | $347,495,500 | 1,624 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3391% | 3,498 |
| Cost of funding earning assets | 0.0869% | 4,446 |
| Net interest margin | 3.2522% | 2,699 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.2686% | 2,836 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2993% | 1,430 |
| Return on assets (ROA) | 1.2993% | 1,393 |
| Pretax return on assets | 1.7096% | 899 |
| Return on Equity (ROE) | 17.1900% | 833 |
| Retained earnings to average equity (ytd only) | 14.9115% | 298 |
| Net charge-offs to loans | 0.0392% | 1,311 |
| Credit loss provision to net charge-offs | 80.0000% | 1,683 |
| Earnings coverage of net charge-offs (x) | 104.8000% | 957 |
| Efficiency ratio | 56.8383% | 3,487 |
| Assets per employee ($millions) | 9.8390% | 712 |
| Cash dividends to net income (ytd only)* | 13.2389% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 3,853 |
| Loan loss allowance to noncurrent loans | 238.1180% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 2,444 |
| Noncurrent loans to loans | 0.3679% | 1,824 |
| Net loans and leases to total assets | 41.8800% | 3,990 |
| Net loans and leases to deposits | 46.2448% | 4,048 |
| Net loans and leases to core deposits | 47.3541% | 4,079 |
| Total domestic deposits to total assets | 90.5600% | 1,129 |
| Equity capital to assets | 7.7872% | 3,196 |
| Core capital (leverage) ratio | 9.2100% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1219% | 702 |
| Memoranda: | ||
| Average total assets | $760,411,800 | 1,231 |
| Average earning assets | $729,419,400 | 1,187 |
| Average equity | $57,485,800 | 1,451 |
| Average total loans | $319,063,800 | 1,638 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9282% | 4,017 |
| Cost of funding earning assets | 0.0819% | 4,407 |
| Net interest margin | 2.8463% | 3,636 |
| Noninterest income to average assets | 0.9700% | 714 |
| Noninterest expense to average assets | 2.2814% | 2,686 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0915% | 2,137 |
| Return on assets (ROA) | 1.0915% | 2,101 |
| Pretax return on assets | 1.4052% | 1,700 |
| Return on Equity (ROE) | 14.5600% | 1,272 |
| Retained earnings to average equity (ytd only) | 11.4499% | 930 |
| Net charge-offs to loans | 0.0238% | 1,352 |
| Credit loss provision to net charge-offs | 178.5714% | 1,037 |
| Earnings coverage of net charge-offs (x) | 142.7143% | 763 |
| Efficiency ratio | 61.5862% | 2,880 |
| Assets per employee ($millions) | 9.7904% | 697 |
| Cash dividends to net income (ytd only)* | 21.3377% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 3,828 |
| Loan loss allowance to noncurrent loans | 64.2752% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 904 |
| Noncurrent loans to loans | 1.4127% | 503 |
| Net loans and leases to total assets | 41.0300% | 4,026 |
| Net loans and leases to deposits | 44.7880% | 4,078 |
| Net loans and leases to core deposits | 45.9049% | 4,114 |
| Total domestic deposits to total assets | 91.6000% | 1,009 |
| Equity capital to assets | 7.2356% | 3,379 |
| Core capital (leverage) ratio | 8.5202% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4286% | 798 |
| Memoranda: | ||
| Average total assets | $748,814,500 | 1,255 |
| Average earning assets | $718,200,000 | 1,211 |
| Average equity | $56,150,500 | 1,495 |
| Average total loans | $313,616,000 | 1,656 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5514% | 4,328 |
| Cost of funding earning assets | 0.0714% | 4,448 |
| Net interest margin | 2.4801% | 4,119 |
| Noninterest income to average assets | 1.1757% | 490 |
| Noninterest expense to average assets | 2.3256% | 2,474 |
| Loan and lease loss provision to assets | 0.0275% | 2,101 |
| Net operating income to assets | 0.9363% | 2,418 |
| Return on assets (ROA) | 0.9363% | 2,396 |
| Pretax return on assets | 1.2005% | 2,075 |
| Return on Equity (ROE) | 12.3253% | 1,572 |
| Retained earnings to average equity (ytd only) | 7.5921% | 1,772 |
| Net charge-offs to loans | 0.0275% | 1,174 |
| Credit loss provision to net charge-offs | 238.0952% | 892 |
| Earnings coverage of net charge-offs (x) | 106.3571% | 785 |
| Efficiency ratio | 65.4444% | 2,590 |
| Assets per employee ($millions) | 9.5730% | 738 |
| Cash dividends to net income (ytd only)* | 38.4028% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 3,743 |
| Loan loss allowance to noncurrent loans | 233.3840% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 2,603 |
| Noncurrent loans to loans | 0.4140% | 1,872 |
| Net loans and leases to total assets | 37.7667% | 4,176 |
| Net loans and leases to deposits | 41.0524% | 4,226 |
| Net loans and leases to core deposits | 44.3684% | 4,180 |
| Total domestic deposits to total assets | 91.9964% | 833 |
| Equity capital to assets | 6.7579% | 3,904 |
| Core capital (leverage) ratio | 8.9734% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4496% | 925 |
| Memoranda: | ||
| Average total assets | $727,551,000 | 1,280 |
| Average earning assets | $697,566,000 | 1,251 |
| Average equity | $55,268,333 | 1,539 |
| Average total loans | $306,005,667 | 1,688 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5033% | 4,265 |
| Cost of funding earning assets | 0.0750% | 4,404 |
| Net interest margin | 2.4284% | 4,020 |
| Noninterest income to average assets | 0.6940% | 1,333 |
| Noninterest expense to average assets | 2.3950% | 2,186 |
| Loan and lease loss provision to assets | 0.0296% | 1,834 |
| Net operating income to assets | 0.4617% | 3,807 |
| Return on assets (ROA) | 0.4617% | 3,770 |
| Pretax return on assets | 0.5915% | 3,658 |
| Return on Equity (ROE) | 5.6902% | 3,429 |
| Retained earnings to average equity (ytd only) | 5.6902% | 2,355 |
| Net charge-offs to loans | 0.0400% | 885 |
| Credit loss provision to net charge-offs | 166.6667% | 830 |
| Earnings coverage of net charge-offs (x) | 34.9333% | 1,071 |
| Efficiency ratio | 79.4066% | 1,192 |
| Assets per employee ($millions) | 7.6517% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 3,877 |
| Loan loss allowance to noncurrent loans | 225.0186% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 2,443 |
| Noncurrent loans to loans | 0.4267% | 1,961 |
| Net loans and leases to total assets | 45.9054% | 3,588 |
| Net loans and leases to deposits | 50.6796% | 3,675 |
| Net loans and leases to core deposits | 55.8397% | 3,459 |
| Total domestic deposits to total assets | 90.5797% | 1,252 |
| Equity capital to assets | 7.7855% | 3,739 |
| Core capital (leverage) ratio | 8.4324% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9302% | 1,280 |
| Memoranda: | ||
| Average total assets | $674,900,500 | 1,357 |
| Average earning assets | $645,376,000 | 1,337 |
| Average equity | $54,761,000 | 1,606 |
| Average total loans | $300,203,500 | 1,699 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7648% | 4,249 |
| Cost of funding earning assets | 0.0858% | 4,492 |
| Net interest margin | 2.6791% | 3,915 |
| Noninterest income to average assets | 0.7527% | 1,587 |
| Noninterest expense to average assets | 2.3964% | 2,501 |
| Loan and lease loss provision to assets | 0.0080% | 2,925 |
| Net operating income to assets | 0.7049% | 3,613 |
| Return on assets (ROA) | 0.7049% | 3,669 |
| Pretax return on assets | 0.9037% | 3,509 |
| Return on Equity (ROE) | 8.5367% | 3,069 |
| Retained earnings to average equity (ytd only) | 5.4472% | 2,593 |
| Net charge-offs to loans | 0.0695% | 1,101 |
| Credit loss provision to net charge-offs | 25.1256% | 2,258 |
| Earnings coverage of net charge-offs (x) | 28.7337% | 1,636 |
| Efficiency ratio | 72.4407% | 1,461 |
| Assets per employee ($millions) | 7.6874% | 1,504 |
| Cash dividends to net income (ytd only)* | 36.1909% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,541 |
| Loan loss allowance to noncurrent loans | 204.9694% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 2,462 |
| Noncurrent loans to loans | 0.5159% | 1,832 |
| Net loans and leases to total assets | 42.1275% | 3,973 |
| Net loans and leases to deposits | 46.9407% | 4,050 |
| Net loans and leases to core deposits | 51.8685% | 3,900 |
| Total domestic deposits to total assets | 89.7462% | 1,085 |
| Equity capital to assets | 8.4484% | 4,084 |
| Core capital (leverage) ratio | 8.5590% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9599% | 898 |
| Memoranda: | ||
| Average total assets | $627,196,800 | 1,400 |
| Average earning assets | $598,232,800 | 1,380 |
| Average equity | $51,788,000 | 1,710 |
| Average total loans | $286,481,400 | 1,760 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7973% | 4,304 |
| Cost of funding earning assets | 0.0880% | 4,588 |
| Net interest margin | 2.7092% | 3,950 |
| Noninterest income to average assets | 0.7667% | 1,629 |
| Noninterest expense to average assets | 2.3694% | 2,538 |
| Loan and lease loss provision to assets | 0.0109% | 2,775 |
| Net operating income to assets | 0.7555% | 3,641 |
| Return on assets (ROA) | 0.7555% | 3,704 |
| Pretax return on assets | 0.9686% | 3,544 |
| Return on Equity (ROE) | 9.2076% | 3,038 |
| Retained earnings to average equity (ytd only) | 4.9924% | 3,221 |
| Net charge-offs to loans | 0.0864% | 822 |
| Credit loss provision to net charge-offs | 26.8817% | 1,965 |
| Earnings coverage of net charge-offs (x) | 24.3602% | 1,642 |
| Efficiency ratio | 70.7526% | 1,518 |
| Assets per employee ($millions) | 6.9022% | 1,934 |
| Cash dividends to net income (ytd only)* | 45.7797% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 3,385 |
| Loan loss allowance to noncurrent loans | 151.0490% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 2,242 |
| Noncurrent loans to loans | 0.7365% | 1,520 |
| Net loans and leases to total assets | 40.9913% | 4,147 |
| Net loans and leases to deposits | 45.2838% | 4,263 |
| Net loans and leases to core deposits | 50.0249% | 4,136 |
| Total domestic deposits to total assets | 90.5208% | 547 |
| Equity capital to assets | 7.8190% | 4,600 |
| Core capital (leverage) ratio | 7.8347% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6035% | 1,217 |
| Memoranda: | ||
| Average total assets | $616,795,250 | 1,436 |
| Average earning assets | $587,848,250 | 1,414 |
| Average equity | $50,609,250 | 1,762 |
| Average total loans | $286,911,500 | 1,784 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7518% | 4,408 |
| Cost of funding earning assets | 0.0891% | 4,645 |
| Net interest margin | 2.6627% | 4,052 |
| Noninterest income to average assets | 0.7664% | 1,627 |
| Noninterest expense to average assets | 2.4004% | 2,462 |
| Loan and lease loss provision to assets | 0.0166% | 2,622 |
| Net operating income to assets | 0.6896% | 3,783 |
| Return on assets (ROA) | 0.6896% | 3,850 |
| Pretax return on assets | 0.8840% | 3,691 |
| Return on Equity (ROE) | 8.2637% | 3,331 |
| Retained earnings to average equity (ytd only) | 1.9131% | 4,136 |
| Net charge-offs to loans | 0.1185% | 655 |
| Credit loss provision to net charge-offs | 28.9017% | 1,707 |
| Earnings coverage of net charge-offs (x) | 15.7168% | 1,625 |
| Efficiency ratio | 72.7172% | 1,360 |
| Assets per employee ($millions) | 7.0872% | 1,737 |
| Cash dividends to net income (ytd only)* | 76.8492% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 3,679 |
| Loan loss allowance to noncurrent loans | 126.2677% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 2,101 |
| Noncurrent loans to loans | 0.8228% | 1,492 |
| Net loans and leases to total assets | 45.3654% | 3,951 |
| Net loans and leases to deposits | 50.0041% | 4,113 |
| Net loans and leases to core deposits | 55.3881% | 3,932 |
| Total domestic deposits to total assets | 90.7232% | 472 |
| Equity capital to assets | 7.8752% | 4,588 |
| Core capital (leverage) ratio | 7.8804% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7226% | 1,185 |
| Memoranda: | ||
| Average total assets | $603,823,000 | 1,451 |
| Average earning assets | $574,745,333 | 1,431 |
| Average equity | $50,389,000 | 1,761 |
| Average total loans | $291,945,667 | 1,776 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6567% | 4,521 |
| Cost of funding earning assets | 0.0925% | 4,690 |
| Net interest margin | 2.5641% | 4,212 |
| Noninterest income to average assets | 0.7757% | 1,645 |
| Noninterest expense to average assets | 2.4580% | 2,303 |
| Loan and lease loss provision to assets | 0.0259% | 2,440 |
| Net operating income to assets | 0.5685% | 4,023 |
| Return on assets (ROA) | 0.5685% | 4,074 |
| Pretax return on assets | 0.7287% | 3,963 |
| Return on Equity (ROE) | 6.6102% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.6102% | 2,693 |
| Net charge-offs to loans | 0.1769% | 447 |
| Credit loss provision to net charge-offs | 29.4574% | 1,389 |
| Earnings coverage of net charge-offs (x) | 8.5814% | 1,571 |
| Efficiency ratio | 76.5118% | 1,086 |
| Assets per employee ($millions) | 6.9913% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 3,703 |
| Loan loss allowance to noncurrent loans | 137.1314% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 2,210 |
| Noncurrent loans to loans | 0.7562% | 1,724 |
| Net loans and leases to total assets | 48.7099% | 3,742 |
| Net loans and leases to deposits | 54.0551% | 3,934 |
| Net loans and leases to core deposits | 60.3218% | 3,677 |
| Total domestic deposits to total assets | 90.1117% | 767 |
| Equity capital to assets | 8.4260% | 4,176 |
| Core capital (leverage) ratio | 8.4951% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7047% | 1,121 |
| Memoranda: | ||
| Average total assets | $586,808,500 | 1,477 |
| Average earning assets | $557,691,500 | 1,450 |
| Average equity | $50,467,500 | 1,749 |
| Average total loans | $291,717,500 | 1,782 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3822% | 4,218 |
| Cost of funding earning assets | 0.2757% | 4,271 |
| Net interest margin | 3.1064% | 3,613 |
| Noninterest income to average assets | 1.3899% | 605 |
| Noninterest expense to average assets | 3.0944% | 1,244 |
| Loan and lease loss provision to assets | 0.3451% | 1,010 |
| Net operating income to assets | 0.6792% | 3,496 |
| Return on assets (ROA) | 0.6776% | 3,626 |
| Pretax return on assets | 0.8719% | 3,443 |
| Return on Equity (ROE) | 6.8870% | 3,251 |
| Retained earnings to average equity (ytd only) | 2.7851% | 3,471 |
| Net charge-offs to loans | 0.0627% | 1,880 |
| Credit loss provision to net charge-offs | 950.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 33.5611% | 1,516 |
| Efficiency ratio | 71.7393% | 1,710 |
| Assets per employee ($millions) | 6.2897% | 2,090 |
| Cash dividends to net income (ytd only)* | 59.5593% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 3,466 |
| Loan loss allowance to noncurrent loans | 79.9039% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 1,443 |
| Noncurrent loans to loans | 1.3760% | 990 |
| Net loans and leases to total assets | 49.6773% | 3,847 |
| Net loans and leases to deposits | 55.3632% | 4,041 |
| Net loans and leases to core deposits | 61.9004% | 3,832 |
| Total domestic deposits to total assets | 89.7298% | 668 |
| Equity capital to assets | 8.7834% | 4,237 |
| Core capital (leverage) ratio | 8.7724% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6684% | 1,114 |
| Memoranda: | ||
| Average total assets | $495,569,000 | 1,562 |
| Average earning assets | $466,387,400 | 1,548 |
| Average equity | $48,758,800 | 1,733 |
| Average total loans | $286,955,000 | 1,739 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5654% | 4,092 |
| Cost of funding earning assets | 0.3476% | 4,068 |
| Net interest margin | 3.2178% | 3,437 |
| Noninterest income to average assets | 1.5013% | 517 |
| Noninterest expense to average assets | 3.2204% | 1,039 |
| Loan and lease loss provision to assets | 0.4305% | 773 |
| Net operating income to assets | 0.6801% | 3,519 |
| Return on assets (ROA) | 0.6801% | 3,630 |
| Pretax return on assets | 0.8718% | 3,460 |
| Return on Equity (ROE) | 6.6968% | 3,313 |
| Retained earnings to average equity (ytd only) | 1.1850% | 4,187 |
| Net charge-offs to loans | 0.0702% | 1,617 |
| Credit loss provision to net charge-offs | 1,018.5430% | 812 |
| Earnings coverage of net charge-offs (x) | 30.8146% | 1,557 |
| Efficiency ratio | 71.2049% | 1,727 |
| Assets per employee ($millions) | 6.2402% | 2,056 |
| Cash dividends to net income (ytd only)* | 82.3045% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 3,523 |
| Loan loss allowance to noncurrent loans | 70.9450% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.8227% | 1,400 |
| Noncurrent loans to loans | 1.4637% | 984 |
| Net loans and leases to total assets | 53.5923% | 3,839 |
| Net loans and leases to deposits | 59.8648% | 4,064 |
| Net loans and leases to core deposits | 67.4406% | 3,800 |
| Total domestic deposits to total assets | 89.5223% | 578 |
| Equity capital to assets | 9.2085% | 3,946 |
| Core capital (leverage) ratio | 8.9057% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6610% | 1,607 |
| Memoranda: | ||
| Average total assets | $476,370,750 | 1,597 |
| Average earning assets | $447,285,500 | 1,582 |
| Average equity | $48,380,250 | 1,740 |
| Average total loans | $286,820,000 | 1,739 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7275% | 4,030 |
| Cost of funding earning assets | 0.4030% | 4,023 |
| Net interest margin | 3.3244% | 3,325 |
| Noninterest income to average assets | 1.8366% | 327 |
| Noninterest expense to average assets | 3.4576% | 787 |
| Loan and lease loss provision to assets | 0.6128% | 516 |
| Net operating income to assets | 0.6860% | 3,443 |
| Return on assets (ROA) | 0.6860% | 3,545 |
| Pretax return on assets | 0.8793% | 3,375 |
| Return on Equity (ROE) | 6.5162% | 3,328 |
| Retained earnings to average equity (ytd only) | -1.8112% | 4,571 |
| Net charge-offs to loans | 0.0840% | 1,406 |
| Credit loss provision to net charge-offs | 1,165.0000% | 714 |
| Earnings coverage of net charge-offs (x) | 28.3667% | 1,469 |
| Efficiency ratio | 69.8548% | 1,978 |
| Assets per employee ($millions) | 5.2747% | 2,861 |
| Cash dividends to net income (ytd only)* | 127.7955% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 3,828 |
| Loan loss allowance to noncurrent loans | 88.0182% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 1,791 |
| Noncurrent loans to loans | 1.0699% | 1,450 |
| Net loans and leases to total assets | 60.4302% | 3,275 |
| Net loans and leases to deposits | 67.8780% | 3,581 |
| Net loans and leases to core deposits | 77.0544% | 3,192 |
| Total domestic deposits to total assets | 89.0277% | 731 |
| Equity capital to assets | 9.5793% | 3,583 |
| Core capital (leverage) ratio | 9.8902% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7151% | 1,921 |
| Memoranda: | ||
| Average total assets | $456,276,000 | 1,639 |
| Average earning assets | $427,258,667 | 1,626 |
| Average equity | $48,034,333 | 1,735 |
| Average total loans | $285,552,000 | 1,723 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 3,518 |
| Cost of funding earning assets | 0.4633% | 4,100 |
| Net interest margin | 3.6388% | 2,543 |
| Noninterest income to average assets | 1.2365% | 575 |
| Noninterest expense to average assets | 3.7141% | 690 |
| Loan and lease loss provision to assets | 0.0770% | 2,763 |
| Net operating income to assets | 0.6558% | 3,432 |
| Return on assets (ROA) | 0.6558% | 3,489 |
| Pretax return on assets | 0.8404% | 3,310 |
| Return on Equity (ROE) | 5.9166% | 3,344 |
| Retained earnings to average equity (ytd only) | 0.8954% | 3,771 |
| Net charge-offs to loans | 0.0438% | 1,593 |
| Credit loss provision to net charge-offs | 276.6667% | 1,234 |
| Earnings coverage of net charge-offs (x) | 32.9667% | 1,118 |
| Efficiency ratio | 80.1923% | 1,119 |
| Assets per employee ($millions) | 4.7777% | 2,902 |
| Cash dividends to net income (ytd only)* | 84.8656% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6055% | 4,746 |
| Loan loss allowance to noncurrent loans | 63.2370% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6356% | 2,092 |
| Noncurrent loans to loans | 0.9575% | 1,715 |
| Net loans and leases to total assets | 62.2134% | 3,279 |
| Net loans and leases to deposits | 71.0076% | 3,510 |
| Net loans and leases to core deposits | 82.5124% | 2,974 |
| Total domestic deposits to total assets | 87.6151% | 1,267 |
| Equity capital to assets | 10.8365% | 3,008 |
| Core capital (leverage) ratio | 10.9623% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2031% | 1,554 |
| Memoranda: | ||
| Average total assets | $431,227,000 | 1,671 |
| Average earning assets | $402,330,000 | 1,663 |
| Average equity | $47,798,000 | 1,730 |
| Average total loans | $273,872,000 | 1,742 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 3,121 |
| Cost of funding earning assets | 0.4196% | 4,376 |
| Net interest margin | 4.0294% | 1,755 |
| Noninterest income to average assets | 1.1884% | 669 |
| Noninterest expense to average assets | 3.6907% | 770 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9710% | 2,946 |
| Return on assets (ROA) | 1.0014% | 2,929 |
| Pretax return on assets | 1.2799% | 2,573 |
| Return on Equity (ROE) | 9.1338% | 2,693 |
| Retained earnings to average equity (ytd only) | 4.7171% | 2,577 |
| Net charge-offs to loans | 0.0022% | 3,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 854.5000% | 123 |
| Efficiency ratio | 74.8306% | 1,511 |
| Assets per employee ($millions) | 4.6459% | 3,023 |
| Cash dividends to net income (ytd only)* | 48.3559% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6049% | 4,728 |
| Loan loss allowance to noncurrent loans | 69.7605% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 2,107 |
| Noncurrent loans to loans | 0.8671% | 1,773 |
| Net loans and leases to total assets | 64.0949% | 3,187 |
| Net loans and leases to deposits | 73.7605% | 3,377 |
| Net loans and leases to core deposits | 86.6725% | 2,739 |
| Total domestic deposits to total assets | 86.8959% | 1,663 |
| Equity capital to assets | 11.3474% | 2,660 |
| Core capital (leverage) ratio | 11.0381% | 2,471 |
| Tier 1 risk-based capital ratio | 16.0613% | 2,386 |
| Total risk-based capital ratio | 16.6200% | 2,561 |
| Memoranda: | ||
| Average total assets | $413,007,800 | 1,700 |
| Average earning assets | $383,726,400 | 1,690 |
| Average equity | $45,282,400 | 1,751 |
| Average total loans | $268,257,600 | 1,742 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 3,132 |
| Cost of funding earning assets | 0.3958% | 4,521 |
| Net interest margin | 4.0830% | 1,664 |
| Noninterest income to average assets | 1.1927% | 646 |
| Noninterest expense to average assets | 3.6619% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0310% | 2,855 |
| Return on assets (ROA) | 1.0745% | 2,757 |
| Pretax return on assets | 1.3776% | 2,394 |
| Return on Equity (ROE) | 9.8877% | 2,482 |
| Retained earnings to average equity (ytd only) | 3.9277% | 3,436 |
| Net charge-offs to loans | -0.0005% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4667% | 1,643 |
| Assets per employee ($millions) | 4.4632% | 3,265 |
| Cash dividends to net income (ytd only)* | 60.2773% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5934% | 4,835 |
| Loan loss allowance to noncurrent loans | 99.5137% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 2,737 |
| Noncurrent loans to loans | 0.5963% | 2,493 |
| Net loans and leases to total assets | 66.0703% | 3,041 |
| Net loans and leases to deposits | 78.1244% | 3,086 |
| Net loans and leases to core deposits | 87.7205% | 2,760 |
| Total domestic deposits to total assets | 84.5706% | 2,597 |
| Equity capital to assets | 11.2340% | 2,888 |
| Core capital (leverage) ratio | 11.0135% | 2,624 |
| Tier 1 risk-based capital ratio | 15.4418% | 2,656 |
| Total risk-based capital ratio | 15.9905% | 2,898 |
| Memoranda: | ||
| Average total assets | $411,727,250 | 1,712 |
| Average earning assets | $382,361,000 | 1,708 |
| Average equity | $44,741,250 | 1,769 |
| Average total loans | $267,914,250 | 1,751 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4308% | 3,243 |
| Cost of funding earning assets | 0.3787% | 4,588 |
| Net interest margin | 4.0522% | 1,755 |
| Noninterest income to average assets | 1.1529% | 643 |
| Noninterest expense to average assets | 3.5435% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0703% | 2,649 |
| Return on assets (ROA) | 1.1076% | 2,566 |
| Pretax return on assets | 1.4198% | 2,144 |
| Return on Equity (ROE) | 10.3102% | 2,246 |
| Retained earnings to average equity (ytd only) | 1.2423% | 4,370 |
| Net charge-offs to loans | 0.0483% | 1,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 44.0313% | 1,189 |
| Efficiency ratio | 72.0797% | 1,909 |
| Assets per employee ($millions) | 4.8577% | 2,656 |
| Cash dividends to net income (ytd only)* | 87.9507% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5792% | 4,910 |
| Loan loss allowance to noncurrent loans | 93.3531% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 2,705 |
| Noncurrent loans to loans | 0.6205% | 2,407 |
| Net loans and leases to total assets | 64.6280% | 3,274 |
| Net loans and leases to deposits | 74.0940% | 3,510 |
| Net loans and leases to core deposits | 84.0859% | 3,103 |
| Total domestic deposits to total assets | 87.2244% | 1,481 |
| Equity capital to assets | 10.8647% | 3,211 |
| Core capital (leverage) ratio | 10.8763% | 2,714 |
| Tier 1 risk-based capital ratio | 15.4838% | 2,631 |
| Total risk-based capital ratio | 16.0245% | 2,858 |
| Memoranda: | ||
| Average total assets | $410,610,000 | 1,718 |
| Average earning assets | $381,328,330 | 1,722 |
| Average equity | $44,111,670 | 1,787 |
| Average total loans | $265,258,670 | 1,769 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 3,240 |
| Cost of funding earning assets | 0.3686% | 4,608 |
| Net interest margin | 4.0279% | 1,770 |
| Noninterest income to average assets | 1.1901% | 572 |
| Noninterest expense to average assets | 3.6036% | 844 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0328% | 2,734 |
| Return on assets (ROA) | 1.0328% | 2,773 |
| Pretax return on assets | 1.3237% | 2,365 |
| Return on Equity (ROE) | 9.6704% | 2,511 |
| Retained earnings to average equity (ytd only) | -8.7319% | 5,061 |
| Net charge-offs to loans | 0.0534% | 1,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 38.4857% | 1,173 |
| Efficiency ratio | 73.1352% | 1,859 |
| Assets per employee ($millions) | 4.4387% | 3,275 |
| Cash dividends to net income (ytd only)* | 190.2950% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 4,915 |
| Loan loss allowance to noncurrent loans | 80.7363% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6283% | 2,202 |
| Noncurrent loans to loans | 0.7532% | 2,149 |
| Net loans and leases to total assets | 64.7873% | 3,195 |
| Net loans and leases to deposits | 73.9650% | 3,458 |
| Net loans and leases to core deposits | 82.9826% | 3,114 |
| Total domestic deposits to total assets | 87.5918% | 1,522 |
| Equity capital to assets | 10.7390% | 3,120 |
| Core capital (leverage) ratio | 10.8547% | 2,715 |
| Tier 1 risk-based capital ratio | 15.1919% | 2,796 |
| Total risk-based capital ratio | 15.7472% | 3,029 |
| Memoranda: | ||
| Average total assets | $407,032,000 | 1,746 |
| Average earning assets | $377,669,500 | 1,741 |
| Average equity | $43,473,000 | 1,800 |
| Average total loans | $262,104,500 | 1,795 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 3,493 |
| Cost of funding earning assets | 0.2616% | 4,748 |
| Net interest margin | 3.9193% | 2,265 |
| Noninterest income to average assets | 1.3330% | 516 |
| Noninterest expense to average assets | 3.6036% | 866 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0607% | 2,758 |
| Return on assets (ROA) | 1.0611% | 2,739 |
| Pretax return on assets | 1.3689% | 2,240 |
| Return on Equity (ROE) | 10.4969% | 2,290 |
| Retained earnings to average equity (ytd only) | 8.0844% | 1,197 |
| Net charge-offs to loans | 0.0929% | 1,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 23.9786% | 1,833 |
| Efficiency ratio | 72.4776% | 1,844 |
| Assets per employee ($millions) | 4.5071% | 3,157 |
| Cash dividends to net income (ytd only)* | 22.9832% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6270% | 4,931 |
| Loan loss allowance to noncurrent loans | 107.9156% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 2,574 |
| Noncurrent loans to loans | 0.5810% | 2,546 |
| Net loans and leases to total assets | 63.2176% | 3,439 |
| Net loans and leases to deposits | 74.3632% | 3,471 |
| Net loans and leases to core deposits | 84.1153% | 3,081 |
| Total domestic deposits to total assets | 85.0118% | 2,645 |
| Equity capital to assets | 10.6229% | 3,054 |
| Core capital (leverage) ratio | 11.1913% | 2,365 |
| Tier 1 risk-based capital ratio | 15.7159% | 2,524 |
| Total risk-based capital ratio | 16.2905% | 2,744 |
| Memoranda: | ||
| Average total assets | $410,039,000 | 1,671 |
| Average earning assets | $380,706,600 | 1,669 |
| Average equity | $41,450,200 | 1,799 |
| Average total loans | $251,885,800 | 1,812 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1365% | 3,507 |
| Cost of funding earning assets | 0.2289% | 4,896 |
| Net interest margin | 3.9076% | 2,271 |
| Noninterest income to average assets | 1.3046% | 563 |
| Noninterest expense to average assets | 3.6099% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0667% | 2,803 |
| Return on assets (ROA) | 1.0673% | 2,814 |
| Pretax return on assets | 1.3209% | 2,539 |
| Return on Equity (ROE) | 10.6936% | 2,309 |
| Retained earnings to average equity (ytd only) | 7.4354% | 1,908 |
| Net charge-offs to loans | 0.0999% | 1,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 21.7110% | 1,908 |
| Efficiency ratio | 73.2208% | 1,697 |
| Assets per employee ($millions) | 4.3508% | 3,358 |
| Cash dividends to net income (ytd only)* | 30.4692% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6748% | 4,923 |
| Loan loss allowance to noncurrent loans | 98.1914% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 2,478 |
| Noncurrent loans to loans | 0.6872% | 2,358 |
| Net loans and leases to total assets | 62.5705% | 3,592 |
| Net loans and leases to deposits | 71.8840% | 3,780 |
| Net loans and leases to core deposits | 81.2350% | 3,386 |
| Total domestic deposits to total assets | 87.0437% | 1,707 |
| Equity capital to assets | 10.5341% | 3,110 |
| Core capital (leverage) ratio | 10.9839% | 2,593 |
| Tier 1 risk-based capital ratio | 15.6439% | 2,587 |
| Total risk-based capital ratio | 16.2485% | 2,805 |
| Memoranda: | ||
| Average total assets | $410,012,750 | 1,674 |
| Average earning assets | $380,412,250 | 1,679 |
| Average equity | $40,920,500 | 1,824 |
| Average total loans | $249,627,500 | 1,831 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 3,508 |
| Cost of funding earning assets | 0.1994% | 5,033 |
| Net interest margin | 3.8868% | 2,249 |
| Noninterest income to average assets | 1.1917% | 673 |
| Noninterest expense to average assets | 3.5572% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0086% | 2,979 |
| Return on assets (ROA) | 1.0094% | 2,977 |
| Pretax return on assets | 1.2447% | 2,743 |
| Return on Equity (ROE) | 10.2956% | 2,428 |
| Retained earnings to average equity (ytd only) | 5.3765% | 2,890 |
| Net charge-offs to loans | 0.0641% | 1,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 32.2375% | 1,438 |
| Efficiency ratio | 74.0934% | 1,698 |
| Assets per employee ($millions) | 4.2491% | 3,499 |
| Cash dividends to net income (ytd only)* | 47.7783% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7160% | 4,911 |
| Loan loss allowance to noncurrent loans | 129.0555% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 2,856 |
| Noncurrent loans to loans | 0.5548% | 2,751 |
| Net loans and leases to total assets | 62.1471% | 3,583 |
| Net loans and leases to deposits | 70.1357% | 3,842 |
| Net loans and leases to core deposits | 78.1117% | 3,573 |
| Total domestic deposits to total assets | 88.6098% | 1,092 |
| Equity capital to assets | 10.2340% | 3,406 |
| Core capital (leverage) ratio | 10.2240% | 3,335 |
| Tier 1 risk-based capital ratio | 15.1551% | 2,801 |
| Total risk-based capital ratio | 15.7955% | 3,015 |
| Memoranda: | ||
| Average total assets | $414,709,330 | 1,660 |
| Average earning assets | $385,095,000 | 1,662 |
| Average equity | $40,658,330 | 1,839 |
| Average total loans | $249,698,670 | 1,836 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9874% | 3,655 |
| Cost of funding earning assets | 0.1843% | 5,101 |
| Net interest margin | 3.8030% | 2,414 |
| Noninterest income to average assets | 1.1696% | 672 |
| Noninterest expense to average assets | 3.5543% | 921 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9380% | 3,116 |
| Return on assets (ROA) | 0.9395% | 3,126 |
| Pretax return on assets | 1.1535% | 2,961 |
| Return on Equity (ROE) | 9.7856% | 2,546 |
| Retained earnings to average equity (ytd only) | -0.0789% | 4,813 |
| Net charge-offs to loans | 0.0449% | 1,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 43.4286% | 1,022 |
| Efficiency ratio | 75.5283% | 1,662 |
| Assets per employee ($millions) | 4.5232% | 3,115 |
| Cash dividends to net income (ytd only)* | 100.8065% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 4,964 |
| Loan loss allowance to noncurrent loans | 109.3175% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 2,650 |
| Noncurrent loans to loans | 0.6684% | 2,546 |
| Net loans and leases to total assets | 60.1419% | 3,741 |
| Net loans and leases to deposits | 68.3252% | 3,926 |
| Net loans and leases to core deposits | 77.5426% | 3,533 |
| Total domestic deposits to total assets | 88.0231% | 1,605 |
| Equity capital to assets | 9.6337% | 3,957 |
| Core capital (leverage) ratio | 9.9934% | 3,545 |
| Tier 1 risk-based capital ratio | 14.8417% | 2,957 |
| Total risk-based capital ratio | 15.5042% | 3,171 |
| Memoranda: | ||
| Average total assets | $422,356,500 | 1,647 |
| Average earning assets | $392,737,500 | 1,638 |
| Average equity | $40,549,500 | 1,849 |
| Average total loans | $249,540,500 | 1,854 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8199% | 3,983 |
| Cost of funding earning assets | 0.1854% | 5,059 |
| Net interest margin | 3.6345% | 3,044 |
| Noninterest income to average assets | 1.2154% | 709 |
| Noninterest expense to average assets | 3.5336% | 979 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5473% | 4,234 |
| Return on assets (ROA) | 0.5474% | 4,262 |
| Pretax return on assets | 1.0545% | 3,367 |
| Return on Equity (ROE) | 5.1188% | 4,112 |
| Retained earnings to average equity (ytd only) | -9.6765% | 5,527 |
| Net charge-offs to loans | -0.0174% | 4,918 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0204% | 1,482 |
| Assets per employee ($millions) | 4.5114% | 3,162 |
| Cash dividends to net income (ytd only)* | 289.0368% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7572% | 4,937 |
| Loan loss allowance to noncurrent loans | 94.7795% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.6111% | 2,501 |
| Noncurrent loans to loans | 0.7989% | 2,214 |
| Net loans and leases to total assets | 57.1885% | 4,086 |
| Net loans and leases to deposits | 65.7510% | 4,210 |
| Net loans and leases to core deposits | 74.6158% | 3,837 |
| Total domestic deposits to total assets | 86.9774% | 2,009 |
| Equity capital to assets | 9.5688% | 4,171 |
| Core capital (leverage) ratio | 9.9237% | 3,549 |
| Tier 1 risk-based capital ratio | 15.0743% | 2,816 |
| Total risk-based capital ratio | 15.7573% | 3,006 |
| Memoranda: | ||
| Average total assets | $411,559,000 | 1,661 |
| Average earning assets | $381,892,400 | 1,666 |
| Average equity | $44,013,800 | 1,689 |
| Average total loans | $224,289,200 | 1,972 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7626% | 4,133 |
| Cost of funding earning assets | 0.1900% | 5,054 |
| Net interest margin | 3.5726% | 3,255 |
| Noninterest income to average assets | 1.1297% | 792 |
| Noninterest expense to average assets | 3.4398% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7182% | 3,881 |
| Return on assets (ROA) | 0.7182% | 3,943 |
| Pretax return on assets | 1.0017% | 3,687 |
| Return on Equity (ROE) | 6.5347% | 3,896 |
| Retained earnings to average equity (ytd only) | -12.8610% | 5,638 |
| Net charge-offs to loans | -0.0445% | 5,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4469% | 1,403 |
| Assets per employee ($millions) | 4.5752% | 3,006 |
| Cash dividends to net income (ytd only)* | 296.8095% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7551% | 5,009 |
| Loan loss allowance to noncurrent loans | 88.8060% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 0.7901% | 2,163 |
| Noncurrent loans to loans | 0.8502% | 2,239 |
| Net loans and leases to total assets | 58.8161% | 3,981 |
| Net loans and leases to deposits | 65.9543% | 4,257 |
| Net loans and leases to core deposits | 76.2673% | 3,786 |
| Total domestic deposits to total assets | 89.1771% | 791 |
| Equity capital to assets | 9.7348% | 4,217 |
| Core capital (leverage) ratio | 9.4844% | 4,187 |
| Tier 1 risk-based capital ratio | 14.2247% | 3,340 |
| Total risk-based capital ratio | 14.9111% | 3,536 |
| Memoranda: | ||
| Average total assets | $407,304,000 | 1,688 |
| Average earning assets | $377,569,000 | 1,695 |
| Average equity | $44,764,750 | 1,681 |
| Average total loans | $218,619,500 | 2,019 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7473% | 4,087 |
| Cost of funding earning assets | 0.1911% | 5,058 |
| Net interest margin | 3.5562% | 3,195 |
| Noninterest income to average assets | 1.1484% | 763 |
| Noninterest expense to average assets | 3.5181% | 984 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6699% | 3,981 |
| Return on assets (ROA) | 0.6699% | 4,040 |
| Pretax return on assets | 0.9236% | 3,852 |
| Return on Equity (ROE) | 5.8588% | 4,108 |
| Retained earnings to average equity (ytd only) | 2.1535% | 4,391 |
| Net charge-offs to loans | 0.0357% | 2,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 50.0811% | 1,073 |
| Efficiency ratio | 79.2055% | 1,306 |
| Assets per employee ($millions) | 4.5220% | 3,065 |
| Cash dividends to net income (ytd only)* | 63.2440% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 4,731 |
| Loan loss allowance to noncurrent loans | 90.6518% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8644% | 2,049 |
| Noncurrent loans to loans | 0.9667% | 2,030 |
| Net loans and leases to total assets | 49.8604% | 4,719 |
| Net loans and leases to deposits | 57.8183% | 4,760 |
| Net loans and leases to core deposits | 68.8831% | 4,307 |
| Total domestic deposits to total assets | 86.2364% | 2,280 |
| Equity capital to assets | 11.3556% | 2,452 |
| Core capital (leverage) ratio | 10.9125% | 2,488 |
| Tier 1 risk-based capital ratio | 17.6172% | 1,965 |
| Total risk-based capital ratio | 18.3311% | 2,085 |
| Memoranda: | ||
| Average total assets | $401,240,670 | 1,716 |
| Average earning assets | $371,574,330 | 1,719 |
| Average equity | $45,879,330 | 1,650 |
| Average total loans | $207,438,330 | 2,107 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7320% | 3,994 |
| Cost of funding earning assets | 0.1899% | 5,066 |
| Net interest margin | 3.5421% | 3,111 |
| Noninterest income to average assets | 1.1145% | 803 |
| Noninterest expense to average assets | 3.5384% | 989 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6286% | 4,024 |
| Return on assets (ROA) | 0.6286% | 4,075 |
| Pretax return on assets | 0.8545% | 3,919 |
| Return on Equity (ROE) | 5.4778% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.4778% | 2,615 |
| Net charge-offs to loans | -0.0172% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5486% | 1,312 |
| Assets per employee ($millions) | 4.6195% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 4,812 |
| Loan loss allowance to noncurrent loans | 78.1648% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.0117% | 1,803 |
| Noncurrent loans to loans | 1.1338% | 1,798 |
| Net loans and leases to total assets | 51.2049% | 4,574 |
| Net loans and leases to deposits | 59.4100% | 4,606 |
| Net loans and leases to core deposits | 70.0816% | 4,146 |
| Total domestic deposits to total assets | 86.1891% | 2,585 |
| Equity capital to assets | 11.4722% | 2,199 |
| Core capital (leverage) ratio | 11.1064% | 2,268 |
| Tier 1 risk-based capital ratio | 17.3357% | 2,086 |
| Total risk-based capital ratio | 18.0540% | 2,214 |
| Memoranda: | ||
| Average total assets | $398,371,000 | 1,738 |
| Average earning assets | $368,706,000 | 1,738 |
| Average equity | $45,711,500 | 1,656 |
| Average total loans | $208,799,500 | 2,110 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4513% | 4,886 |
| Cost of funding earning assets | 0.1842% | 5,167 |
| Net interest margin | 3.2672% | 4,237 |
| Noninterest income to average assets | 1.1524% | 858 |
| Noninterest expense to average assets | 3.4057% | 1,343 |
| Loan and lease loss provision to assets | -0.0155% | 5,505 |
| Net operating income to assets | 0.5632% | 4,374 |
| Return on assets (ROA) | 0.5998% | 4,319 |
| Pretax return on assets | 0.8239% | 4,115 |
| Return on Equity (ROE) | 4.8324% | 4,502 |
| Retained earnings to average equity (ytd only) | -7.3831% | 5,741 |
| Net charge-offs to loans | 0.1166% | 2,093 |
| Credit loss provision to net charge-offs | -26.9565% | 4,782 |
| Earnings coverage of net charge-offs (x) | 13.2261% | 2,383 |
| Efficiency ratio | 81.0872% | 1,293 |
| Assets per employee ($millions) | 4.1130% | 3,760 |
| Cash dividends to net income (ytd only)* | 252.7847% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8720% | 4,892 |
| Loan loss allowance to noncurrent loans | 75.7864% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 1.0133% | 1,868 |
| Noncurrent loans to loans | 1.1506% | 1,783 |
| Net loans and leases to total assets | 52.7136% | 4,554 |
| Net loans and leases to deposits | 61.2516% | 4,589 |
| Net loans and leases to core deposits | 73.8142% | 3,937 |
| Total domestic deposits to total assets | 86.0607% | 2,550 |
| Equity capital to assets | 11.4770% | 2,194 |
| Core capital (leverage) ratio | 10.8041% | 2,529 |
| Tier 1 risk-based capital ratio | 16.7791% | 2,236 |
| Total risk-based capital ratio | 17.4813% | 2,399 |
| Memoranda: | ||
| Average total assets | $401,155,200 | 1,676 |
| Average earning assets | $369,739,800 | 1,684 |
| Average equity | $49,789,200 | 1,523 |
| Average total loans | $197,303,800 | 2,137 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3955% | 5,031 |
| Cost of funding earning assets | 0.1819% | 5,253 |
| Net interest margin | 3.2136% | 4,453 |
| Noninterest income to average assets | 1.1008% | 937 |
| Noninterest expense to average assets | 3.3123% | 1,535 |
| Loan and lease loss provision to assets | -0.0205% | 5,669 |
| Net operating income to assets | 0.5708% | 4,411 |
| Return on assets (ROA) | 0.6201% | 4,333 |
| Pretax return on assets | 0.8346% | 4,209 |
| Return on Equity (ROE) | 4.9055% | 4,554 |
| Retained earnings to average equity (ytd only) | 2.5955% | 4,357 |
| Net charge-offs to loans | 0.1229% | 1,731 |
| Credit loss provision to net charge-offs | -34.6369% | 4,661 |
| Earnings coverage of net charge-offs (x) | 12.6146% | 2,374 |
| Efficiency ratio | 80.6246% | 1,354 |
| Assets per employee ($millions) | 4.1846% | 3,626 |
| Cash dividends to net income (ytd only)* | 47.0902% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 4,687 |
| Loan loss allowance to noncurrent loans | 83.0613% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.2614% | 1,546 |
| Noncurrent loans to loans | 1.1372% | 1,979 |
| Net loans and leases to total assets | 48.6456% | 4,912 |
| Net loans and leases to deposits | 57.4068% | 4,909 |
| Net loans and leases to core deposits | 68.8568% | 4,408 |
| Total domestic deposits to total assets | 84.7385% | 2,920 |
| Equity capital to assets | 12.7543% | 1,620 |
| Core capital (leverage) ratio | 11.8809% | 1,762 |
| Tier 1 risk-based capital ratio | 19.3156% | 1,595 |
| Total risk-based capital ratio | 20.0670% | 1,671 |
| Memoranda: | ||
| Average total assets | $402,731,750 | 1,675 |
| Average earning assets | $370,830,500 | 1,681 |
| Average equity | $50,907,250 | 1,501 |
| Average total loans | $194,137,250 | 2,169 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3832% | 5,115 |
| Cost of funding earning assets | 0.1800% | 5,320 |
| Net interest margin | 3.2032% | 4,530 |
| Noninterest income to average assets | 1.1587% | 835 |
| Noninterest expense to average assets | 3.3256% | 1,541 |
| Loan and lease loss provision to assets | -0.0498% | 5,825 |
| Net operating income to assets | 0.6189% | 4,194 |
| Return on assets (ROA) | 0.6189% | 4,320 |
| Pretax return on assets | 0.8330% | 4,181 |
| Return on Equity (ROE) | 4.9112% | 4,555 |
| Retained earnings to average equity (ytd only) | 1.4263% | 4,804 |
| Net charge-offs to loans | -0.0353% | 5,206 |
| Credit loss provision to net charge-offs | 294.1176% | 978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5080% | 1,558 |
| Assets per employee ($millions) | 4.4932% | 3,043 |
| Cash dividends to net income (ytd only)* | 70.9574% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 4,332 |
| Loan loss allowance to noncurrent loans | 65.4372% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.4500% | 1,342 |
| Noncurrent loans to loans | 1.5792% | 1,361 |
| Net loans and leases to total assets | 47.6803% | 5,014 |
| Net loans and leases to deposits | 56.0532% | 5,008 |
| Net loans and leases to core deposits | 68.6247% | 4,427 |
| Total domestic deposits to total assets | 85.0626% | 2,848 |
| Equity capital to assets | 12.5064% | 1,767 |
| Core capital (leverage) ratio | 11.7791% | 1,794 |
| Tier 1 risk-based capital ratio | 19.3151% | 1,622 |
| Total risk-based capital ratio | 20.1512% | 1,681 |
| Memoranda: | ||
| Average total assets | $401,672,000 | 1,681 |
| Average earning assets | $369,942,000 | 1,685 |
| Average equity | $50,619,330 | 1,514 |
| Average total loans | $192,402,670 | 2,191 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4134% | 5,096 |
| Cost of funding earning assets | 0.1847% | 5,328 |
| Net interest margin | 3.2287% | 4,476 |
| Noninterest income to average assets | 1.0833% | 920 |
| Noninterest expense to average assets | 3.4177% | 1,348 |
| Loan and lease loss provision to assets | 0.0758% | 2,438 |
| Net operating income to assets | 0.4396% | 4,863 |
| Return on assets (ROA) | 0.4396% | 4,946 |
| Pretax return on assets | 0.5568% | 4,938 |
| Return on Equity (ROE) | 3.4744% | 5,076 |
| Retained earnings to average equity (ytd only) | -3.5703% | 5,521 |
| Net charge-offs to loans | 0.0995% | 1,532 |
| Credit loss provision to net charge-offs | 159.5745% | 1,229 |
| Earnings coverage of net charge-offs (x) | 13.3191% | 1,742 |
| Efficiency ratio | 81.4371% | 1,429 |
| Assets per employee ($millions) | 3.9975% | 3,949 |
| Cash dividends to net income (ytd only)* | 202.7586% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 3,904 |
| Loan loss allowance to noncurrent loans | 56.1880% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 1.6248% | 1,215 |
| Noncurrent loans to loans | 2.0043% | 1,073 |
| Net loans and leases to total assets | 46.7966% | 5,063 |
| Net loans and leases to deposits | 55.0624% | 5,031 |
| Net loans and leases to core deposits | 65.5992% | 4,561 |
| Total domestic deposits to total assets | 84.9884% | 3,139 |
| Equity capital to assets | 12.4999% | 1,681 |
| Core capital (leverage) ratio | 11.9228% | 1,661 |
| Tier 1 risk-based capital ratio | 19.9304% | 1,513 |
| Total risk-based capital ratio | 20.8325% | 1,564 |
| Memoranda: | ||
| Average total assets | $395,822,000 | 1,709 |
| Average earning assets | $363,740,000 | 1,711 |
| Average equity | $50,080,000 | 1,527 |
| Average total loans | $189,026,500 | 2,222 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5654% | 4,763 |
| Cost of funding earning assets | 0.1952% | 5,325 |
| Net interest margin | 3.3702% | 4,035 |
| Noninterest income to average assets | 1.0711% | 1,025 |
| Noninterest expense to average assets | 3.5651% | 1,185 |
| Loan and lease loss provision to assets | 0.0256% | 3,875 |
| Net operating income to assets | 0.4364% | 4,932 |
| Return on assets (ROA) | 0.5184% | 4,703 |
| Pretax return on assets | 0.6790% | 4,587 |
| Return on Equity (ROE) | 4.0860% | 4,902 |
| Retained earnings to average equity (ytd only) | 2.6446% | 4,188 |
| Net charge-offs to loans | 0.1439% | 1,912 |
| Credit loss provision to net charge-offs | 36.3636% | 3,575 |
| Earnings coverage of net charge-offs (x) | 8.4727% | 2,944 |
| Efficiency ratio | 82.7569% | 1,301 |
| Assets per employee ($millions) | 3.9989% | 3,939 |
| Cash dividends to net income (ytd only)* | 35.2767% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 3,829 |
| Loan loss allowance to noncurrent loans | 70.4478% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.9278% | 934 |
| Noncurrent loans to loans | 1.6126% | 1,425 |
| Net loans and leases to total assets | 47.6511% | 5,048 |
| Net loans and leases to deposits | 56.1997% | 5,030 |
| Net loans and leases to core deposits | 67.7292% | 4,466 |
| Total domestic deposits to total assets | 84.7887% | 3,177 |
| Equity capital to assets | 12.8106% | 1,457 |
| Core capital (leverage) ratio | 12.6191% | 1,300 |
| Tier 1 risk-based capital ratio | 21.4582% | 1,220 |
| Total risk-based capital ratio | 22.3998% | 1,251 |
| Memoranda: | ||
| Average total assets | $390,451,400 | 1,681 |
| Average earning assets | $358,079,200 | 1,689 |
| Average equity | $49,535,600 | 1,504 |
| Average total loans | $191,055,000 | 2,148 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6067% | 4,719 |
| Cost of funding earning assets | 0.1988% | 5,385 |
| Net interest margin | 3.4078% | 3,922 |
| Noninterest income to average assets | 0.9815% | 1,227 |
| Noninterest expense to average assets | 3.5568% | 1,183 |
| Loan and lease loss provision to assets | 0.0682% | 2,815 |
| Net operating income to assets | 0.3789% | 5,239 |
| Return on assets (ROA) | 0.4923% | 4,908 |
| Pretax return on assets | 0.6263% | 4,906 |
| Return on Equity (ROE) | 3.8897% | 5,069 |
| Retained earnings to average equity (ytd only) | 1.9664% | 4,893 |
| Net charge-offs to loans | 0.1742% | 1,437 |
| Credit loss provision to net charge-offs | 79.6813% | 2,616 |
| Earnings coverage of net charge-offs (x) | 6.4382% | 3,049 |
| Efficiency ratio | 83.6501% | 1,206 |
| Assets per employee ($millions) | 3.8048% | 4,256 |
| Cash dividends to net income (ytd only)* | 49.4461% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 3,630 |
| Loan loss allowance to noncurrent loans | 51.8092% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 2.1633% | 890 |
| Noncurrent loans to loans | 2.3241% | 911 |
| Net loans and leases to total assets | 48.4782% | 5,048 |
| Net loans and leases to deposits | 56.6580% | 5,092 |
| Net loans and leases to core deposits | 68.5828% | 4,491 |
| Total domestic deposits to total assets | 85.5628% | 2,755 |
| Equity capital to assets | 13.1272% | 1,383 |
| Core capital (leverage) ratio | 12.3036% | 1,511 |
| Tier 1 risk-based capital ratio | 20.2951% | 1,479 |
| Total risk-based capital ratio | 21.2489% | 1,512 |
| Memoranda: | ||
| Average total assets | $391,090,000 | 1,695 |
| Average earning assets | $358,770,500 | 1,694 |
| Average equity | $49,496,500 | 1,508 |
| Average total loans | $192,078,500 | 2,159 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 4,981 |
| Cost of funding earning assets | 0.2004% | 5,426 |
| Net interest margin | 3.2993% | 4,306 |
| Noninterest income to average assets | 1.0136% | 1,151 |
| Noninterest expense to average assets | 3.5284% | 1,251 |
| Loan and lease loss provision to assets | 0.0634% | 2,851 |
| Net operating income to assets | 0.3571% | 5,266 |
| Return on assets (ROA) | 0.4820% | 4,946 |
| Pretax return on assets | 0.6082% | 4,958 |
| Return on Equity (ROE) | 3.8544% | 5,074 |
| Retained earnings to average equity (ytd only) | 0.9606% | 5,186 |
| Net charge-offs to loans | 0.1063% | 1,937 |
| Credit loss provision to net charge-offs | 121.3592% | 1,791 |
| Earnings coverage of net charge-offs (x) | 9.8350% | 2,415 |
| Efficiency ratio | 84.3386% | 1,225 |
| Assets per employee ($millions) | 3.7911% | 4,267 |
| Cash dividends to net income (ytd only)* | 75.0789% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 3,910 |
| Loan loss allowance to noncurrent loans | 40.5769% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 2.5343% | 739 |
| Noncurrent loans to loans | 2.9061% | 697 |
| Net loans and leases to total assets | 49.8124% | 4,951 |
| Net loans and leases to deposits | 57.6537% | 5,020 |
| Net loans and leases to core deposits | 70.1016% | 4,315 |
| Total domestic deposits to total assets | 86.3993% | 2,489 |
| Equity capital to assets | 12.5276% | 1,647 |
| Core capital (leverage) ratio | 11.8212% | 1,760 |
| Tier 1 risk-based capital ratio | 19.9293% | 1,565 |
| Total risk-based capital ratio | 20.9079% | 1,598 |
| Memoranda: | ||
| Average total assets | $394,628,000 | 1,693 |
| Average earning assets | $362,202,000 | 1,689 |
| Average equity | $49,346,670 | 1,525 |
| Average total loans | $193,872,670 | 2,140 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 4,985 |
| Cost of funding earning assets | 0.2016% | 5,495 |
| Net interest margin | 3.2937% | 4,251 |
| Noninterest income to average assets | 0.9972% | 1,126 |
| Noninterest expense to average assets | 3.5362% | 1,232 |
| Loan and lease loss provision to assets | 0.0756% | 2,442 |
| Net operating income to assets | 0.3229% | 5,331 |
| Return on assets (ROA) | 0.4769% | 4,892 |
| Pretax return on assets | 0.5929% | 4,935 |
| Return on Equity (ROE) | 3.8175% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.8175% | 3,717 |
| Net charge-offs to loans | 0.3077% | 773 |
| Credit loss provision to net charge-offs | 50.6757% | 2,091 |
| Earnings coverage of net charge-offs (x) | 3.1892% | 2,642 |
| Efficiency ratio | 85.1722% | 1,255 |
| Assets per employee ($millions) | 3.8657% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 4,265 |
| Loan loss allowance to noncurrent loans | 34.3519% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 2.7280% | 738 |
| Noncurrent loans to loans | 3.3445% | 601 |
| Net loans and leases to total assets | 48.1019% | 5,023 |
| Net loans and leases to deposits | 55.7918% | 5,064 |
| Net loans and leases to core deposits | 67.5914% | 4,373 |
| Total domestic deposits to total assets | 86.2168% | 2,822 |
| Equity capital to assets | 12.5571% | 1,658 |
| Core capital (leverage) ratio | 11.9315% | 1,682 |
| Tier 1 risk-based capital ratio | 20.0193% | 1,612 |
| Total risk-based capital ratio | 20.9595% | 1,651 |
| Memoranda: | ||
| Average total assets | $396,701,500 | 1,685 |
| Average earning assets | $363,122,500 | 1,691 |
| Average equity | $49,561,000 | 1,519 |
| Average total loans | $192,394,500 | 2,154 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7126% | 4,743 |
| Cost of funding earning assets | 0.2308% | 5,512 |
| Net interest margin | 3.4818% | 3,863 |
| Noninterest income to average assets | 0.9524% | 1,339 |
| Noninterest expense to average assets | 3.5498% | 1,391 |
| Loan and lease loss provision to assets | 0.0188% | 4,240 |
| Net operating income to assets | 0.4923% | 4,839 |
| Return on assets (ROA) | 0.4923% | 4,929 |
| Pretax return on assets | 0.5458% | 5,111 |
| Return on Equity (ROE) | 4.1164% | 5,067 |
| Retained earnings to average equity (ytd only) | 2.7065% | 4,321 |
| Net charge-offs to loans | 0.5008% | 818 |
| Credit loss provision to net charge-offs | 8.0386% | 4,127 |
| Earnings coverage of net charge-offs (x) | 2.4084% | 4,158 |
| Efficiency ratio | 83.3934% | 1,481 |
| Assets per employee ($millions) | 3.8004% | 4,343 |
| Cash dividends to net income (ytd only)* | 34.2522% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 3,977 |
| Loan loss allowance to noncurrent loans | 54.7772% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 2.2430% | 1,084 |
| Noncurrent loans to loans | 2.1969% | 1,215 |
| Net loans and leases to total assets | 47.7533% | 5,180 |
| Net loans and leases to deposits | 55.3474% | 5,218 |
| Net loans and leases to core deposits | 69.7465% | 4,347 |
| Total domestic deposits to total assets | 86.2792% | 2,687 |
| Equity capital to assets | 12.4290% | 1,689 |
| Core capital (leverage) ratio | 10.9626% | 2,440 |
| Tier 1 risk-based capital ratio | 18.3941% | 2,019 |
| Total risk-based capital ratio | 19.3730% | 2,060 |
| Memoranda: | ||
| Average total assets | $397,934,200 | 1,650 |
| Average earning assets | $361,391,400 | 1,661 |
| Average equity | $47,589,800 | 1,516 |
| Average total loans | $186,306,600 | 2,152 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 4,736 |
| Cost of funding earning assets | 0.2339% | 5,563 |
| Net interest margin | 3.5076% | 3,797 |
| Noninterest income to average assets | 0.8553% | 1,677 |
| Noninterest expense to average assets | 3.4961% | 1,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4643% | 5,020 |
| Return on assets (ROA) | 0.4643% | 5,097 |
| Pretax return on assets | 0.5389% | 5,211 |
| Return on Equity (ROE) | 3.9203% | 5,198 |
| Retained earnings to average equity (ytd only) | 2.0251% | 5,039 |
| Net charge-offs to loans | 0.4343% | 912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.6716% | 3,853 |
| Efficiency ratio | 83.7105% | 1,422 |
| Assets per employee ($millions) | 3.9290% | 4,028 |
| Cash dividends to net income (ytd only)* | 48.3427% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 3,308 |
| Loan loss allowance to noncurrent loans | 43.2735% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 2.6208% | 982 |
| Noncurrent loans to loans | 3.1629% | 807 |
| Net loans and leases to total assets | 45.9239% | 5,384 |
| Net loans and leases to deposits | 52.8707% | 5,472 |
| Net loans and leases to core deposits | 66.0724% | 4,703 |
| Total domestic deposits to total assets | 86.8607% | 2,393 |
| Equity capital to assets | 11.9972% | 2,060 |
| Core capital (leverage) ratio | 10.5586% | 2,971 |
| Tier 1 risk-based capital ratio | 18.4871% | 2,055 |
| Total risk-based capital ratio | 19.4564% | 2,106 |
| Memoranda: | ||
| Average total assets | $398,608,250 | 1,663 |
| Average earning assets | $361,341,250 | 1,680 |
| Average equity | $47,206,250 | 1,530 |
| Average total loans | $185,123,750 | 2,178 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7755% | 4,606 |
| Cost of funding earning assets | 0.2354% | 5,625 |
| Net interest margin | 3.5400% | 3,612 |
| Noninterest income to average assets | 0.9193% | 1,430 |
| Noninterest expense to average assets | 3.5251% | 1,430 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4821% | 4,884 |
| Return on assets (ROA) | 0.4846% | 4,941 |
| Pretax return on assets | 0.5941% | 4,974 |
| Return on Equity (ROE) | 4.1096% | 5,098 |
| Retained earnings to average equity (ytd only) | 1.2491% | 5,251 |
| Net charge-offs to loans | 0.2166% | 1,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.8800% | 2,854 |
| Efficiency ratio | 82.7574% | 1,661 |
| Assets per employee ($millions) | 3.9458% | 3,960 |
| Cash dividends to net income (ytd only)* | 69.6058% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 2,551 |
| Loan loss allowance to noncurrent loans | 51.1946% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 3.0964% | 821 |
| Noncurrent loans to loans | 3.0817% | 925 |
| Net loans and leases to total assets | 45.3895% | 5,425 |
| Net loans and leases to deposits | 52.1430% | 5,491 |
| Net loans and leases to core deposits | 63.7842% | 4,835 |
| Total domestic deposits to total assets | 87.0482% | 2,429 |
| Equity capital to assets | 11.8072% | 2,147 |
| Core capital (leverage) ratio | 10.3799% | 3,103 |
| Tier 1 risk-based capital ratio | 17.8904% | 2,278 |
| Total risk-based capital ratio | 19.1406% | 2,247 |
| Memoranda: | ||
| Average total assets | $397,891,330 | 1,666 |
| Average earning assets | $359,321,330 | 1,684 |
| Average equity | $46,915,000 | 1,529 |
| Average total loans | $184,632,330 | 2,180 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8159% | 4,421 |
| Cost of funding earning assets | 0.2397% | 5,676 |
| Net interest margin | 3.5762% | 3,357 |
| Noninterest income to average assets | 0.8546% | 1,539 |
| Noninterest expense to average assets | 3.5190% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4512% | 4,925 |
| Return on assets (ROA) | 0.4512% | 4,998 |
| Pretax return on assets | 0.5498% | 5,006 |
| Return on Equity (ROE) | 3.8293% | 5,123 |
| Retained earnings to average equity (ytd only) | -1.9578% | 5,857 |
| Net charge-offs to loans | 0.1921% | 1,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.1477% | 2,270 |
| Efficiency ratio | 83.5415% | 1,724 |
| Assets per employee ($millions) | 4.0389% | 3,855 |
| Cash dividends to net income (ytd only)* | 151.1261% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6937% | 2,371 |
| Loan loss allowance to noncurrent loans | 47.2445% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 3.3132% | 801 |
| Noncurrent loans to loans | 3.5851% | 801 |
| Net loans and leases to total assets | 44.5483% | 5,459 |
| Net loans and leases to deposits | 51.0687% | 5,516 |
| Net loans and leases to core deposits | 62.3382% | 4,839 |
| Total domestic deposits to total assets | 87.2322% | 2,677 |
| Equity capital to assets | 11.6731% | 2,119 |
| Core capital (leverage) ratio | 10.5162% | 2,907 |
| Tier 1 risk-based capital ratio | 17.9416% | 2,323 |
| Total risk-based capital ratio | 19.1926% | 2,298 |
| Memoranda: | ||
| Average total assets | $393,630,500 | 1,695 |
| Average earning assets | $353,787,000 | 1,711 |
| Average equity | $46,379,500 | 1,544 |
| Average total loans | $183,235,500 | 2,195 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 4,539 |
| Cost of funding earning assets | 0.2548% | 5,936 |
| Net interest margin | 3.6247% | 3,357 |
| Noninterest income to average assets | 0.9147% | 1,634 |
| Noninterest expense to average assets | 3.7416% | 1,230 |
| Loan and lease loss provision to assets | 0.1074% | 3,003 |
| Net operating income to assets | 0.3294% | 5,413 |
| Return on assets (ROA) | 0.3910% | 5,284 |
| Pretax return on assets | 0.3764% | 5,548 |
| Return on Equity (ROE) | 3.2693% | 5,414 |
| Retained earnings to average equity (ytd only) | 2.2134% | 4,672 |
| Net charge-offs to loans | 0.4198% | 1,594 |
| Credit loss provision to net charge-offs | 54.6976% | 3,709 |
| Earnings coverage of net charge-offs (x) | 2.1506% | 4,312 |
| Efficiency ratio | 86.9987% | 1,312 |
| Assets per employee ($millions) | 3.7981% | 4,268 |
| Cash dividends to net income (ytd only)* | 32.2997% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 2,391 |
| Loan loss allowance to noncurrent loans | 44.3274% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 3.7495% | 738 |
| Noncurrent loans to loans | 3.8440% | 775 |
| Net loans and leases to total assets | 47.0091% | 5,393 |
| Net loans and leases to deposits | 54.0453% | 5,461 |
| Net loans and leases to core deposits | 66.3333% | 4,670 |
| Total domestic deposits to total assets | 86.9810% | 2,735 |
| Equity capital to assets | 11.8954% | 1,870 |
| Core capital (leverage) ratio | 10.6025% | 2,779 |
| Tier 1 risk-based capital ratio | 17.6545% | 2,357 |
| Total risk-based capital ratio | 18.9049% | 2,333 |
| Memoranda: | ||
| Average total assets | $395,877,400 | 1,668 |
| Average earning assets | $354,847,400 | 1,693 |
| Average equity | $47,349,000 | 1,484 |
| Average total loans | $185,076,200 | 2,158 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8044% | 4,838 |
| Cost of funding earning assets | 0.2581% | 6,024 |
| Net interest margin | 3.5462% | 3,678 |
| Noninterest income to average assets | 0.9219% | 1,684 |
| Noninterest expense to average assets | 3.6844% | 1,271 |
| Loan and lease loss provision to assets | 0.1508% | 2,384 |
| Net operating income to assets | 0.2606% | 5,753 |
| Return on assets (ROA) | 0.3407% | 5,591 |
| Pretax return on assets | 0.3487% | 5,748 |
| Return on Equity (ROE) | 2.8448% | 5,660 |
| Retained earnings to average equity (ytd only) | 1.4462% | 5,408 |
| Net charge-offs to loans | 0.6075% | 1,025 |
| Credit loss provision to net charge-offs | 53.3808% | 3,427 |
| Earnings coverage of net charge-offs (x) | 1.4792% | 4,344 |
| Efficiency ratio | 86.9253% | 1,269 |
| Assets per employee ($millions) | 3.8777% | 4,079 |
| Cash dividends to net income (ytd only)* | 49.1641% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 2,668 |
| Loan loss allowance to noncurrent loans | 48.3401% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 3.8032% | 855 |
| Noncurrent loans to loans | 3.4904% | 1,092 |
| Net loans and leases to total assets | 46.3588% | 5,508 |
| Net loans and leases to deposits | 53.4230% | 5,592 |
| Net loans and leases to core deposits | 65.0041% | 4,805 |
| Total domestic deposits to total assets | 86.7769% | 2,814 |
| Equity capital to assets | 11.9120% | 1,976 |
| Core capital (leverage) ratio | 10.3751% | 3,140 |
| Tier 1 risk-based capital ratio | 17.3942% | 2,544 |
| Total risk-based capital ratio | 18.6483% | 2,516 |
| Memoranda: | ||
| Average total assets | $397,994,250 | 1,662 |
| Average earning assets | $356,914,250 | 1,693 |
| Average equity | $47,665,250 | 1,482 |
| Average total loans | $185,026,500 | 2,155 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 5,038 |
| Cost of funding earning assets | 0.2601% | 6,103 |
| Net interest margin | 3.4738% | 3,906 |
| Noninterest income to average assets | 0.8618% | 1,955 |
| Noninterest expense to average assets | 3.6515% | 1,330 |
| Loan and lease loss provision to assets | 0.1375% | 2,608 |
| Net operating income to assets | 0.1964% | 5,904 |
| Return on assets (ROA) | 0.3184% | 5,685 |
| Pretax return on assets | 0.3119% | 5,844 |
| Return on Equity (ROE) | 2.6540% | 5,734 |
| Retained earnings to average equity (ytd only) | 0.5708% | 5,673 |
| Net charge-offs to loans | 0.3997% | 1,615 |
| Credit loss provision to net charge-offs | 74.3243% | 2,735 |
| Earnings coverage of net charge-offs (x) | 1.7703% | 3,938 |
| Efficiency ratio | 88.8065% | 1,150 |
| Assets per employee ($millions) | 4.0690% | 3,647 |
| Cash dividends to net income (ytd only)* | 78.4929% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 2,145 |
| Loan loss allowance to noncurrent loans | 34.3634% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 3.9656% | 876 |
| Noncurrent loans to loans | 5.4916% | 559 |
| Net loans and leases to total assets | 43.1909% | 5,809 |
| Net loans and leases to deposits | 51.4652% | 5,733 |
| Net loans and leases to core deposits | 62.0841% | 5,086 |
| Total domestic deposits to total assets | 83.9224% | 4,353 |
| Equity capital to assets | 11.2436% | 2,528 |
| Core capital (leverage) ratio | 10.0803% | 3,399 |
| Tier 1 risk-based capital ratio | 17.3805% | 2,565 |
| Total risk-based capital ratio | 18.6374% | 2,531 |
| Memoranda: | ||
| Average total assets | $400,110,000 | 1,654 |
| Average earning assets | $359,028,330 | 1,688 |
| Average equity | $48,002,670 | 1,483 |
| Average total loans | $185,142,330 | 2,154 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7127% | 5,120 |
| Cost of funding earning assets | 0.2665% | 6,183 |
| Net interest margin | 3.4462% | 3,929 |
| Noninterest income to average assets | 1.0023% | 1,453 |
| Noninterest expense to average assets | 3.6941% | 1,253 |
| Loan and lease loss provision to assets | 0.2280% | 1,610 |
| Net operating income to assets | 0.1743% | 5,968 |
| Return on assets (ROA) | 0.3172% | 5,636 |
| Pretax return on assets | 0.3030% | 5,844 |
| Return on Equity (ROE) | 2.5603% | 5,753 |
| Retained earnings to average equity (ytd only) | 2.5603% | 4,744 |
| Net charge-offs to loans | 0.6814% | 901 |
| Credit loss provision to net charge-offs | 70.5329% | 2,286 |
| Earnings coverage of net charge-offs (x) | 1.2006% | 3,425 |
| Efficiency ratio | 87.5621% | 1,369 |
| Assets per employee ($millions) | 3.8627% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8609% | 2,417 |
| Loan loss allowance to noncurrent loans | 28.7144% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 5.3466% | 652 |
| Noncurrent loans to loans | 6.4806% | 497 |
| Net loans and leases to total assets | 45.7120% | 5,465 |
| Net loans and leases to deposits | 53.0572% | 5,515 |
| Net loans and leases to core deposits | 66.3661% | 4,487 |
| Total domestic deposits to total assets | 86.1560% | 3,444 |
| Equity capital to assets | 12.4285% | 1,753 |
| Core capital (leverage) ratio | 10.7946% | 2,461 |
| Tier 1 risk-based capital ratio | 17.8679% | 2,422 |
| Total risk-based capital ratio | 19.1223% | 2,380 |
| Memoranda: | ||
| Average total assets | $394,683,000 | 1,692 |
| Average earning assets | $352,733,500 | 1,726 |
| Average equity | $48,900,500 | 1,480 |
| Average total loans | $187,257,000 | 2,147 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 3,876 |
| Cost of funding earning assets | 0.2970% | 6,468 |
| Net interest margin | 4.0878% | 2,049 |
| Noninterest income to average assets | 0.5828% | 3,376 |
| Noninterest expense to average assets | 3.7223% | 1,374 |
| Loan and lease loss provision to assets | 0.6037% | 907 |
| Net operating income to assets | 0.0890% | 6,027 |
| Return on assets (ROA) | 0.2603% | 5,807 |
| Pretax return on assets | 0.0697% | 6,196 |
| Return on Equity (ROE) | 2.1533% | 5,856 |
| Retained earnings to average equity (ytd only) | 2.1533% | 4,719 |
| Net charge-offs to loans | 1.4564% | 621 |
| Credit loss provision to net charge-offs | 84.2993% | 3,687 |
| Earnings coverage of net charge-offs (x) | 0.7011% | 5,132 |
| Efficiency ratio | 85.3052% | 1,487 |
| Assets per employee ($millions) | 3.7655% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 2,474 |
| Loan loss allowance to noncurrent loans | 32.4847% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 4.8048% | 825 |
| Noncurrent loans to loans | 5.6556% | 644 |
| Net loans and leases to total assets | 47.4206% | 5,468 |
| Net loans and leases to deposits | 55.0149% | 5,550 |
| Net loans and leases to core deposits | 71.1444% | 4,150 |
| Total domestic deposits to total assets | 86.1959% | 3,254 |
| Equity capital to assets | 12.3513% | 1,826 |
| Core capital (leverage) ratio | 10.6483% | 2,598 |
| Tier 1 risk-based capital ratio | 17.2971% | 2,527 |
| Total risk-based capital ratio | 18.5540% | 2,501 |
| Memoranda: | ||
| Average total assets | $397,580,400 | 1,645 |
| Average earning assets | $354,175,200 | 1,686 |
| Average equity | $48,065,200 | 1,454 |
| Average total loans | $195,484,200 | 2,043 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 3,491 |
| Cost of funding earning assets | 0.3078% | 6,577 |
| Net interest margin | 4.2285% | 1,647 |
| Noninterest income to average assets | 0.2903% | 5,454 |
| Noninterest expense to average assets | 3.6449% | 1,466 |
| Loan and lease loss provision to assets | 0.6781% | 760 |
| Net operating income to assets | -0.0118% | 6,299 |
| Return on assets (ROA) | 0.1209% | 6,228 |
| Pretax return on assets | -0.0623% | 6,454 |
| Return on Equity (ROE) | 1.0054% | 6,247 |
| Retained earnings to average equity (ytd only) | 1.0054% | 5,766 |
| Net charge-offs to loans | 1.4411% | 614 |
| Credit loss provision to net charge-offs | 95.2941% | 3,136 |
| Earnings coverage of net charge-offs (x) | 0.5741% | 5,031 |
| Efficiency ratio | 86.9960% | 1,305 |
| Assets per employee ($millions) | 3.5990% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9960% | 2,180 |
| Loan loss allowance to noncurrent loans | 37.4988% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 4.1521% | 1,153 |
| Noncurrent loans to loans | 5.3228% | 821 |
| Net loans and leases to total assets | 48.2635% | 5,516 |
| Net loans and leases to deposits | 55.9912% | 5,635 |
| Net loans and leases to core deposits | 73.9508% | 3,978 |
| Total domestic deposits to total assets | 86.1983% | 3,150 |
| Equity capital to assets | 12.3216% | 2,018 |
| Core capital (leverage) ratio | 10.4943% | 2,919 |
| Tier 1 risk-based capital ratio | 17.2301% | 2,636 |
| Total risk-based capital ratio | 18.4888% | 2,587 |
| Memoranda: | ||
| Average total assets | $398,131,750 | 1,664 |
| Average earning assets | $354,315,750 | 1,704 |
| Average equity | $47,873,000 | 1,474 |
| Average total loans | $196,605,750 | 2,059 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5485% | 3,568 |
| Cost of funding earning assets | 0.3211% | 6,639 |
| Net interest margin | 4.2273% | 1,677 |
| Noninterest income to average assets | 0.2070% | 6,079 |
| Noninterest expense to average assets | 3.6348% | 1,502 |
| Loan and lease loss provision to assets | 0.7498% | 698 |
| Net operating income to assets | -0.0982% | 6,434 |
| Return on assets (ROA) | 0.0090% | 6,446 |
| Pretax return on assets | -0.2594% | 6,618 |
| Return on Equity (ROE) | 0.0754% | 6,447 |
| Retained earnings to average equity (ytd only) | 0.0754% | 6,016 |
| Net charge-offs to loans | 1.1257% | 964 |
| Credit loss provision to net charge-offs | 134.7709% | 2,042 |
| Earnings coverage of net charge-offs (x) | 0.5804% | 4,779 |
| Efficiency ratio | 88.8594% | 1,161 |
| Assets per employee ($millions) | 3.6362% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1768% | 1,828 |
| Loan loss allowance to noncurrent loans | 32.9015% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 5.1127% | 925 |
| Noncurrent loans to loans | 6.6162% | 621 |
| Net loans and leases to total assets | 49.2419% | 5,452 |
| Net loans and leases to deposits | 59.4403% | 5,297 |
| Net loans and leases to core deposits | 72.7009% | 4,213 |
| Total domestic deposits to total assets | 82.8426% | 4,809 |
| Equity capital to assets | 12.0360% | 2,124 |
| Core capital (leverage) ratio | 10.3163% | 3,028 |
| Tier 1 risk-based capital ratio | 16.2474% | 3,035 |
| Total risk-based capital ratio | 17.4945% | 3,003 |
| Memoranda: | ||
| Average total assets | $400,080,330 | 1,651 |
| Average earning assets | $354,977,670 | 1,698 |
| Average equity | $47,718,670 | 1,473 |
| Average total loans | $197,745,330 | 2,047 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 4,210 |
| Cost of funding earning assets | 0.3342% | 6,707 |
| Net interest margin | 4.0931% | 2,120 |
| Noninterest income to average assets | 0.4677% | 4,158 |
| Noninterest expense to average assets | 3.6323% | 1,495 |
| Loan and lease loss provision to assets | 0.7464% | 680 |
| Net operating income to assets | -0.1622% | 6,592 |
| Return on assets (ROA) | 0.1582% | 6,231 |
| Pretax return on assets | 0.0299% | 6,485 |
| Return on Equity (ROE) | 1.3326% | 6,281 |
| Retained earnings to average equity (ytd only) | 1.3326% | 5,568 |
| Net charge-offs to loans | 1.5828% | 629 |
| Credit loss provision to net charge-offs | 96.2773% | 2,433 |
| Earnings coverage of net charge-offs (x) | 0.5879% | 4,041 |
| Efficiency ratio | 85.9786% | 1,486 |
| Assets per employee ($millions) | 3.8022% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0207% | 2,297 |
| Loan loss allowance to noncurrent loans | 32.9143% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 5.3987% | 925 |
| Noncurrent loans to loans | 6.1393% | 810 |
| Net loans and leases to total assets | 46.8031% | 5,700 |
| Net loans and leases to deposits | 53.8212% | 5,825 |
| Net loans and leases to core deposits | 68.0429% | 4,671 |
| Total domestic deposits to total assets | 86.9603% | 2,975 |
| Equity capital to assets | 11.7359% | 2,232 |
| Core capital (leverage) ratio | 10.1864% | 3,128 |
| Tier 1 risk-based capital ratio | 16.3950% | 2,966 |
| Total risk-based capital ratio | 17.6531% | 2,920 |
| Memoranda: | ||
| Average total assets | $401,949,000 | 1,648 |
| Average earning assets | $355,522,500 | 1,703 |
| Average equity | $47,726,000 | 1,467 |
| Average total loans | $196,863,000 | 2,062 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 4,383 |
| Cost of funding earning assets | 0.4429% | 6,755 |
| Net interest margin | 4.2248% | 1,978 |
| Noninterest income to average assets | 1.0118% | 1,333 |
| Noninterest expense to average assets | 3.9316% | 1,140 |
| Loan and lease loss provision to assets | 0.9899% | 961 |
| Net operating income to assets | 0.0779% | 5,907 |
| Return on assets (ROA) | 0.1107% | 5,967 |
| Pretax return on assets | -0.1438% | 6,242 |
| Return on Equity (ROE) | 0.9424% | 5,976 |
| Retained earnings to average equity (ytd only) | 0.9424% | 5,418 |
| Net charge-offs to loans | 2.0998% | 644 |
| Credit loss provision to net charge-offs | 94.3607% | 3,821 |
| Earnings coverage of net charge-offs (x) | 0.7577% | 5,236 |
| Efficiency ratio | 80.6366% | 2,214 |
| Assets per employee ($millions) | 3.6765% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9841% | 2,331 |
| Loan loss allowance to noncurrent loans | 30.5435% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 5.7996% | 871 |
| Noncurrent loans to loans | 6.4959% | 721 |
| Net loans and leases to total assets | 49.2193% | 5,692 |
| Net loans and leases to deposits | 56.8465% | 5,813 |
| Net loans and leases to core deposits | 72.4452% | 4,450 |
| Total domestic deposits to total assets | 86.5827% | 2,989 |
| Equity capital to assets | 12.0147% | 2,115 |
| Core capital (leverage) ratio | 10.5257% | 2,694 |
| Tier 1 risk-based capital ratio | 16.0888% | 2,998 |
| Total risk-based capital ratio | 17.3467% | 2,954 |
| Memoranda: | ||
| Average total assets | $392,155,400 | 1,652 |
| Average earning assets | $344,794,400 | 1,725 |
| Average equity | $46,054,800 | 1,482 |
| Average total loans | $195,923,400 | 2,075 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 4,308 |
| Cost of funding earning assets | 0.4703% | 6,812 |
| Net interest margin | 4.2623% | 1,861 |
| Noninterest income to average assets | 0.8557% | 1,816 |
| Noninterest expense to average assets | 3.9539% | 1,066 |
| Loan and lease loss provision to assets | 0.9318% | 946 |
| Net operating income to assets | -0.0297% | 6,193 |
| Return on assets (ROA) | 0.0218% | 6,223 |
| Pretax return on assets | -0.2067% | 6,417 |
| Return on Equity (ROE) | 0.1870% | 6,222 |
| Retained earnings to average equity (ytd only) | 0.1870% | 5,899 |
| Net charge-offs to loans | 2.2796% | 525 |
| Credit loss provision to net charge-offs | 81.9190% | 4,081 |
| Earnings coverage of net charge-offs (x) | 0.5667% | 5,202 |
| Efficiency ratio | 83.3568% | 1,813 |
| Assets per employee ($millions) | 3.5031% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 2,848 |
| Loan loss allowance to noncurrent loans | 32.2508% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 5.8049% | 941 |
| Noncurrent loans to loans | 5.6603% | 1,027 |
| Net loans and leases to total assets | 50.0335% | 5,698 |
| Net loans and leases to deposits | 57.8443% | 5,853 |
| Net loans and leases to core deposits | 72.1154% | 4,701 |
| Total domestic deposits to total assets | 86.4968% | 2,938 |
| Equity capital to assets | 12.1294% | 2,154 |
| Core capital (leverage) ratio | 10.5552% | 2,802 |
| Tier 1 risk-based capital ratio | 16.3866% | 2,918 |
| Total risk-based capital ratio | 17.6291% | 2,888 |
| Memoranda: | ||
| Average total assets | $390,928,750 | 1,670 |
| Average earning assets | $343,284,000 | 1,735 |
| Average equity | $45,642,000 | 1,489 |
| Average total loans | $195,057,500 | 2,107 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7289% | 4,405 |
| Cost of funding earning assets | 0.4909% | 6,872 |
| Net interest margin | 4.2381% | 1,885 |
| Noninterest income to average assets | 0.9272% | 1,548 |
| Noninterest expense to average assets | 4.0016% | 1,053 |
| Loan and lease loss provision to assets | 0.9939% | 877 |
| Net operating income to assets | -0.0691% | 6,313 |
| Return on assets (ROA) | -0.0382% | 6,340 |
| Pretax return on assets | -0.3009% | 6,532 |
| Return on Equity (ROE) | -0.3313% | 6,338 |
| Retained earnings to average equity (ytd only) | -0.3313% | 5,916 |
| Net charge-offs to loans | 2.7809% | 395 |
| Credit loss provision to net charge-offs | 72.1360% | 4,012 |
| Earnings coverage of net charge-offs (x) | 0.4678% | 4,956 |
| Efficiency ratio | 83.5397% | 1,881 |
| Assets per employee ($millions) | 3.5180% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 3,133 |
| Loan loss allowance to noncurrent loans | 31.2779% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 5.5056% | 1,075 |
| Noncurrent loans to loans | 5.6149% | 1,113 |
| Net loans and leases to total assets | 48.3219% | 6,019 |
| Net loans and leases to deposits | 55.4408% | 6,185 |
| Net loans and leases to core deposits | 68.7206% | 5,215 |
| Total domestic deposits to total assets | 87.1595% | 2,650 |
| Equity capital to assets | 11.5858% | 2,426 |
| Core capital (leverage) ratio | 10.5555% | 2,655 |
| Tier 1 risk-based capital ratio | 16.4857% | 2,747 |
| Total risk-based capital ratio | 17.7331% | 2,709 |
| Memoranda: | ||
| Average total assets | $392,789,670 | 1,673 |
| Average earning assets | $344,686,000 | 1,740 |
| Average equity | $45,276,000 | 1,490 |
| Average total loans | $194,614,330 | 2,133 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6810% | 4,610 |
| Cost of funding earning assets | 0.5112% | 6,938 |
| Net interest margin | 4.1699% | 2,000 |
| Noninterest income to average assets | 0.9026% | 1,653 |
| Noninterest expense to average assets | 3.9906% | 1,047 |
| Loan and lease loss provision to assets | 0.4867% | 1,806 |
| Net operating income to assets | 0.1988% | 5,786 |
| Return on assets (ROA) | 0.2633% | 5,631 |
| Pretax return on assets | 0.1506% | 6,051 |
| Return on Equity (ROE) | 2.2903% | 5,691 |
| Retained earnings to average equity (ytd only) | 2.2903% | 4,782 |
| Net charge-offs to loans | 1.6955% | 779 |
| Credit loss provision to net charge-offs | 57.7157% | 3,587 |
| Earnings coverage of net charge-offs (x) | 0.6792% | 4,114 |
| Efficiency ratio | 84.8002% | 1,869 |
| Assets per employee ($millions) | 3.4482% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9987% | 2,423 |
| Loan loss allowance to noncurrent loans | 29.8647% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 6.3694% | 883 |
| Noncurrent loans to loans | 6.6924% | 865 |
| Net loans and leases to total assets | 47.8985% | 6,089 |
| Net loans and leases to deposits | 54.8144% | 6,228 |
| Net loans and leases to core deposits | 65.2341% | 5,598 |
| Total domestic deposits to total assets | 87.3831% | 2,719 |
| Equity capital to assets | 11.5324% | 2,236 |
| Core capital (leverage) ratio | 10.7094% | 2,431 |
| Tier 1 risk-based capital ratio | 16.6676% | 2,598 |
| Total risk-based capital ratio | 17.9214% | 2,570 |
| Memoranda: | ||
| Average total assets | $390,415,500 | 1,689 |
| Average earning assets | $342,745,500 | 1,760 |
| Average equity | $44,885,000 | 1,495 |
| Average total loans | $194,155,500 | 2,161 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0500% | 4,317 |
| Cost of funding earning assets | 0.7125% | 6,847 |
| Net interest margin | 4.3375% | 1,687 |
| Noninterest income to average assets | 1.3939% | 745 |
| Noninterest expense to average assets | 4.7409% | 528 |
| Loan and lease loss provision to assets | 0.6228% | 2,647 |
| Net operating income to assets | 0.1017% | 5,583 |
| Return on assets (ROA) | 0.1971% | 5,444 |
| Pretax return on assets | -0.0141% | 5,914 |
| Return on Equity (ROE) | 1.8086% | 5,467 |
| Retained earnings to average equity (ytd only) | 1.8086% | 4,601 |
| Net charge-offs to loans | 1.1853% | 1,880 |
| Credit loss provision to net charge-offs | 103.9646% | 4,325 |
| Earnings coverage of net charge-offs (x) | 0.7672% | 5,355 |
| Efficiency ratio | 88.7825% | 1,412 |
| Assets per employee ($millions) | 3.3716% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1348% | 1,995 |
| Loan loss allowance to noncurrent loans | 31.6314% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 5.7643% | 1,051 |
| Noncurrent loans to loans | 6.7488% | 858 |
| Net loans and leases to total assets | 49.5173% | 6,209 |
| Net loans and leases to deposits | 56.6421% | 6,387 |
| Net loans and leases to core deposits | 66.5152% | 5,828 |
| Total domestic deposits to total assets | 87.4214% | 2,602 |
| Equity capital to assets | 11.4605% | 2,293 |
| Core capital (leverage) ratio | 10.4284% | 2,638 |
| Tier 1 risk-based capital ratio | 16.4729% | 2,531 |
| Total risk-based capital ratio | 17.7089% | 2,510 |
| Memoranda: | ||
| Average total assets | $395,807,600 | 1,669 |
| Average earning assets | $347,367,400 | 1,721 |
| Average equity | $43,126,600 | 1,542 |
| Average total loans | $200,030,400 | 2,152 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1122% | 4,255 |
| Cost of funding earning assets | 0.7543% | 6,898 |
| Net interest margin | 4.3580% | 1,650 |
| Noninterest income to average assets | 1.3064% | 809 |
| Noninterest expense to average assets | 4.8157% | 440 |
| Loan and lease loss provision to assets | 0.6502% | 2,355 |
| Net operating income to assets | -0.0477% | 6,092 |
| Return on assets (ROA) | 0.0694% | 5,981 |
| Pretax return on assets | -0.1562% | 6,275 |
| Return on Equity (ROE) | 0.6448% | 5,979 |
| Retained earnings to average equity (ytd only) | 0.6448% | 5,544 |
| Net charge-offs to loans | 0.7954% | 2,457 |
| Credit loss provision to net charge-offs | 161.8015% | 2,330 |
| Earnings coverage of net charge-offs (x) | 0.7740% | 5,288 |
| Efficiency ratio | 91.5016% | 1,168 |
| Assets per employee ($millions) | 3.3038% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4326% | 1,426 |
| Loan loss allowance to noncurrent loans | 54.4114% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 4.7960% | 1,373 |
| Noncurrent loans to loans | 4.4708% | 1,620 |
| Net loans and leases to total assets | 48.9139% | 6,442 |
| Net loans and leases to deposits | 56.3283% | 6,594 |
| Net loans and leases to core deposits | 63.0125% | 6,374 |
| Total domestic deposits to total assets | 86.8372% | 2,623 |
| Equity capital to assets | 11.6845% | 2,369 |
| Core capital (leverage) ratio | 10.4386% | 2,758 |
| Tier 1 risk-based capital ratio | 16.8966% | 2,377 |
| Total risk-based capital ratio | 18.1594% | 2,334 |
| Memoranda: | ||
| Average total assets | $397,826,750 | 1,684 |
| Average earning assets | $348,748,500 | 1,739 |
| Average equity | $42,799,250 | 1,556 |
| Average total loans | $200,992,500 | 2,179 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0327% | 4,786 |
| Cost of funding earning assets | 0.7850% | 6,964 |
| Net interest margin | 4.2476% | 1,973 |
| Noninterest income to average assets | 1.3257% | 724 |
| Noninterest expense to average assets | 5.0492% | 365 |
| Loan and lease loss provision to assets | 0.7482% | 1,933 |
| Net operating income to assets | -0.3167% | 6,495 |
| Return on assets (ROA) | -0.2094% | 6,413 |
| Pretax return on assets | -0.5790% | 6,646 |
| Return on Equity (ROE) | -2.0036% | 6,420 |
| Retained earnings to average equity (ytd only) | -2.0036% | 6,146 |
| Net charge-offs to loans | 0.9874% | 1,875 |
| Credit loss provision to net charge-offs | 149.5984% | 2,634 |
| Earnings coverage of net charge-offs (x) | 0.0030% | 5,713 |
| Efficiency ratio | 97.4448% | 901 |
| Assets per employee ($millions) | 3.1773% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3128% | 1,559 |
| Loan loss allowance to noncurrent loans | 50.8084% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 4.5502% | 1,449 |
| Noncurrent loans to loans | 4.5519% | 1,597 |
| Net loans and leases to total assets | 49.1875% | 6,528 |
| Net loans and leases to deposits | 55.8460% | 6,737 |
| Net loans and leases to core deposits | 63.9534% | 6,405 |
| Total domestic deposits to total assets | 88.0771% | 1,958 |
| Equity capital to assets | 10.5734% | 3,320 |
| Core capital (leverage) ratio | 9.3313% | 4,064 |
| Tier 1 risk-based capital ratio | 15.6548% | 2,823 |
| Total risk-based capital ratio | 16.9152% | 2,782 |
| Memoranda: | ||
| Average total assets | $398,283,000 | 1,693 |
| Average earning assets | $349,279,000 | 1,750 |
| Average equity | $41,624,330 | 1,582 |
| Average total loans | $201,737,330 | 2,200 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 4,379 |
| Cost of funding earning assets | 0.8009% | 7,085 |
| Net interest margin | 4.3317% | 1,589 |
| Noninterest income to average assets | 1.4225% | 598 |
| Noninterest expense to average assets | 4.1944% | 815 |
| Loan and lease loss provision to assets | 0.6293% | 2,016 |
| Net operating income to assets | 0.3539% | 5,059 |
| Return on assets (ROA) | 0.6533% | 3,764 |
| Pretax return on assets | 0.7292% | 4,124 |
| Return on Equity (ROE) | 6.2873% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.2873% | 2,476 |
| Net charge-offs to loans | 0.7807% | 1,957 |
| Credit loss provision to net charge-offs | 158.6902% | 2,266 |
| Earnings coverage of net charge-offs (x) | 2.5869% | 3,239 |
| Efficiency ratio | 77.8416% | 2,923 |
| Assets per employee ($millions) | 3.2323% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1366% | 1,874 |
| Loan loss allowance to noncurrent loans | 71.0392% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 4.2899% | 1,584 |
| Noncurrent loans to loans | 3.0076% | 2,664 |
| Net loans and leases to total assets | 47.9034% | 6,689 |
| Net loans and leases to deposits | 56.1378% | 6,764 |
| Net loans and leases to core deposits | 64.0086% | 6,452 |
| Total domestic deposits to total assets | 85.3318% | 3,494 |
| Equity capital to assets | 10.1214% | 3,718 |
| Core capital (leverage) ratio | 9.4786% | 3,804 |
| Tier 1 risk-based capital ratio | 15.4148% | 2,909 |
| Total risk-based capital ratio | 16.6626% | 2,860 |
| Memoranda: | ||
| Average total assets | $400,434,500 | 1,725 |
| Average earning assets | $351,083,500 | 1,778 |
| Average equity | $41,608,000 | 1,603 |
| Average total loans | $203,417,500 | 2,236 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6219% | 3,490 |
| Cost of funding earning assets | 1.1335% | 6,870 |
| Net interest margin | 4.4884% | 1,200 |
| Noninterest income to average assets | 1.4437% | 699 |
| Noninterest expense to average assets | 4.5176% | 785 |
| Loan and lease loss provision to assets | 0.7794% | 2,785 |
| Net operating income to assets | 0.1593% | 5,025 |
| Return on assets (ROA) | 0.3373% | 4,472 |
| Pretax return on assets | 0.3075% | 4,738 |
| Return on Equity (ROE) | 3.4620% | 4,306 |
| Retained earnings to average equity (ytd only) | 3.4620% | 2,746 |
| Net charge-offs to loans | 1.6708% | 1,512 |
| Credit loss provision to net charge-offs | 83.9716% | 6,190 |
| Earnings coverage of net charge-offs (x) | 0.9793% | 5,135 |
| Efficiency ratio | 81.2752% | 2,703 |
| Assets per employee ($millions) | 2.8890% | 6,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 2,016 |
| Loan loss allowance to noncurrent loans | 58.7712% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 4.5987% | 1,395 |
| Noncurrent loans to loans | 3.4095% | 2,239 |
| Net loans and leases to total assets | 51.7188% | 6,451 |
| Net loans and leases to deposits | 61.3142% | 6,534 |
| Net loans and leases to core deposits | 86.3043% | 5,491 |
| Total domestic deposits to total assets | 84.3505% | 3,866 |
| Equity capital to assets | 10.6786% | 2,986 |
| Core capital (leverage) ratio | 9.6858% | 3,480 |
| Tier 1 risk-based capital ratio | 14.2907% | 3,327 |
| Total risk-based capital ratio | 15.5022% | 3,300 |
| Memoranda: | ||
| Average total assets | $379,783,600 | 1,798 |
| Average earning assets | $337,004,000 | 1,849 |
| Average equity | $37,002,200 | 1,819 |
| Average total loans | $210,970,800 | 2,182 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6435% | 3,611 |
| Cost of funding earning assets | 1.1981% | 6,893 |
| Net interest margin | 4.4455% | 1,328 |
| Noninterest income to average assets | 1.4213% | 742 |
| Noninterest expense to average assets | 4.5296% | 721 |
| Loan and lease loss provision to assets | 0.7574% | 2,471 |
| Net operating income to assets | 0.1411% | 5,349 |
| Return on assets (ROA) | 0.3009% | 4,892 |
| Pretax return on assets | 0.2565% | 5,176 |
| Return on Equity (ROE) | 3.1664% | 4,719 |
| Retained earnings to average equity (ytd only) | 3.1664% | 3,545 |
| Net charge-offs to loans | 1.3594% | 1,514 |
| Credit loss provision to net charge-offs | 99.0314% | 5,166 |
| Earnings coverage of net charge-offs (x) | 1.1167% | 4,944 |
| Efficiency ratio | 82.3275% | 2,536 |
| Assets per employee ($millions) | 2.8861% | 6,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2091% | 1,404 |
| Loan loss allowance to noncurrent loans | 52.5374% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 4.6547% | 1,294 |
| Noncurrent loans to loans | 4.2048% | 1,717 |
| Net loans and leases to total assets | 53.8930% | 6,394 |
| Net loans and leases to deposits | 65.5001% | 6,354 |
| Net loans and leases to core deposits | 87.1359% | 5,737 |
| Total domestic deposits to total assets | 82.2793% | 4,552 |
| Equity capital to assets | 11.0548% | 2,970 |
| Core capital (leverage) ratio | 9.6670% | 3,694 |
| Tier 1 risk-based capital ratio | 14.0785% | 3,499 |
| Total risk-based capital ratio | 15.2868% | 3,478 |
| Memoranda: | ||
| Average total assets | $377,947,000 | 1,820 |
| Average earning assets | $336,872,250 | 1,860 |
| Average equity | $35,917,750 | 1,895 |
| Average total loans | $212,635,250 | 2,194 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5655% | 4,248 |
| Cost of funding earning assets | 1.2521% | 6,952 |
| Net interest margin | 4.3133% | 1,620 |
| Noninterest income to average assets | 1.4008% | 773 |
| Noninterest expense to average assets | 4.5026% | 776 |
| Loan and lease loss provision to assets | 0.7301% | 2,246 |
| Net operating income to assets | 0.1066% | 5,545 |
| Return on assets (ROA) | 0.1926% | 5,366 |
| Pretax return on assets | 0.1088% | 5,657 |
| Return on Equity (ROE) | 2.1446% | 5,241 |
| Retained earnings to average equity (ytd only) | 2.1446% | 4,153 |
| Net charge-offs to loans | 1.7009% | 1,112 |
| Credit loss provision to net charge-offs | 75.7709% | 5,303 |
| Earnings coverage of net charge-offs (x) | 0.7814% | 4,951 |
| Efficiency ratio | 84.2100% | 2,458 |
| Assets per employee ($millions) | 2.8521% | 6,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9895% | 1,588 |
| Loan loss allowance to noncurrent loans | 40.8027% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 4.7265% | 1,171 |
| Noncurrent loans to loans | 4.8758% | 1,278 |
| Net loans and leases to total assets | 54.7936% | 6,357 |
| Net loans and leases to deposits | 66.0675% | 6,385 |
| Net loans and leases to core deposits | 88.1755% | 5,705 |
| Total domestic deposits to total assets | 82.9357% | 4,272 |
| Equity capital to assets | 8.9800% | 5,343 |
| Core capital (leverage) ratio | 7.6710% | 6,798 |
| Tier 1 risk-based capital ratio | 11.3808% | 5,518 |
| Total risk-based capital ratio | 12.5849% | 5,463 |
| Memoranda: | ||
| Average total assets | $376,940,670 | 1,843 |
| Average earning assets | $336,862,000 | 1,883 |
| Average equity | $33,852,000 | 2,004 |
| Average total loans | $213,529,670 | 2,217 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4923% | 4,954 |
| Cost of funding earning assets | 1.1616% | 7,387 |
| Net interest margin | 4.3307% | 1,513 |
| Noninterest income to average assets | 1.3690% | 763 |
| Noninterest expense to average assets | 4.4317% | 763 |
| Loan and lease loss provision to assets | 0.4663% | 2,610 |
| Net operating income to assets | 0.3387% | 5,121 |
| Return on assets (ROA) | 0.3619% | 5,196 |
| Pretax return on assets | 0.3811% | 5,452 |
| Return on Equity (ROE) | 4.0301% | 4,918 |
| Retained earnings to average equity (ytd only) | 4.0301% | 3,660 |
| Net charge-offs to loans | 0.3118% | 2,856 |
| Credit loss provision to net charge-offs | 262.2754% | 1,802 |
| Earnings coverage of net charge-offs (x) | 4.6287% | 2,843 |
| Efficiency ratio | 84.0762% | 2,297 |
| Assets per employee ($millions) | 3.0130% | 6,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3085% | 935 |
| Loan loss allowance to noncurrent loans | 33.3514% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 4.8019% | 964 |
| Noncurrent loans to loans | 6.9218% | 588 |
| Net loans and leases to total assets | 51.6736% | 6,718 |
| Net loans and leases to deposits | 61.6037% | 6,767 |
| Net loans and leases to core deposits | 91.2346% | 5,435 |
| Total domestic deposits to total assets | 83.8807% | 3,760 |
| Equity capital to assets | 8.4537% | 6,148 |
| Core capital (leverage) ratio | 8.7105% | 5,134 |
| Tier 1 risk-based capital ratio | 11.5172% | 5,393 |
| Total risk-based capital ratio | 12.7299% | 5,332 |
| Memoranda: | ||
| Average total assets | $375,745,500 | 1,860 |
| Average earning assets | $337,129,500 | 1,883 |
| Average equity | $33,746,000 | 2,016 |
| Average total loans | $214,260,500 | 2,228 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4814% | 3,054 |
| Cost of funding earning assets | 2.0821% | 6,125 |
| Net interest margin | 4.3993% | 1,685 |
| Noninterest income to average assets | 1.5511% | 584 |
| Noninterest expense to average assets | 4.3850% | 968 |
| Loan and lease loss provision to assets | 0.7223% | 2,045 |
| Net operating income to assets | 0.3390% | 5,400 |
| Return on assets (ROA) | 0.3503% | 5,164 |
| Pretax return on assets | 0.3886% | 5,291 |
| Return on Equity (ROE) | 3.6625% | 4,969 |
| Retained earnings to average equity (ytd only) | 2.0543% | 3,958 |
| Net charge-offs to loans | 0.3042% | 3,363 |
| Credit loss provision to net charge-offs | 367.1091% | 1,202 |
| Earnings coverage of net charge-offs (x) | 5.5826% | 3,596 |
| Efficiency ratio | 79.6877% | 2,641 |
| Assets per employee ($millions) | 2.7382% | 6,708 |
| Cash dividends to net income (ytd only)* | 43.9105% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1673% | 978 |
| Loan loss allowance to noncurrent loans | 28.7646% | 6,779 |
| Noncurrent assets plus other real estate owned to assets | 5.7717% | 537 |
| Noncurrent loans to loans | 7.5348% | 376 |
| Net loans and leases to total assets | 60.4757% | 5,839 |
| Net loans and leases to deposits | 74.5413% | 5,784 |
| Net loans and leases to core deposits | 102.0601% | 4,601 |
| Total domestic deposits to total assets | 81.1305% | 4,583 |
| Equity capital to assets | 9.5934% | 4,551 |
| Core capital (leverage) ratio | 9.7989% | 3,644 |
| Tier 1 risk-based capital ratio | 13.2054% | 3,988 |
| Total risk-based capital ratio | 14.4520% | 3,908 |
| Memoranda: | ||
| Average total assets | $344,584,800 | 1,929 |
| Average earning assets | $308,005,800 | 1,979 |
| Average equity | $32,955,400 | 2,052 |
| Average total loans | $222,883,800 | 2,103 |