Home > The Citizens Bank > Performance and Condition Ratios
The Citizens Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8080% | 3,441 |
| Cost of funding earning assets | 0.9195% | 4,063 |
| Net interest margin | 3.8886% | 1,486 |
| Noninterest income to average assets | 0.6700% | 1,122 |
| Noninterest expense to average assets | 2.1374% | 3,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.1119% | 379 |
| Return on assets (ROA) | 2.1119% | 386 |
| Pretax return on assets | 2.1119% | 573 |
| Return on Equity (ROE) | 52.7100% | 27 |
| Retained earnings to average equity (ytd only) | 27.2625% | 56 |
| Net charge-offs to loans | 0.0193% | 1,613 |
| Credit loss provision to net charge-offs | 273.3333% | 752 |
| Earnings coverage of net charge-offs (x) | 276.2000% | 328 |
| Efficiency ratio | 50.2999% | 3,874 |
| Assets per employee ($millions) | 7.4033% | 1,940 |
| Cash dividends to net income (ytd only)* | 48.2742% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 1,976 |
| Loan loss allowance to noncurrent loans | 586.5152% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 3,101 |
| Noncurrent loans to loans | 0.2115% | 2,741 |
| Net loans and leases to total assets | 39.6500% | 3,991 |
| Net loans and leases to deposits | 45.0647% | 4,016 |
| Net loans and leases to core deposits | 47.5495% | 4,033 |
| Total domestic deposits to total assets | 87.9800% | 1,556 |
| Equity capital to assets | 4.5784% | 4,396 |
| Core capital (leverage) ratio | 9.0967% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1690% | 742 |
| Memoranda: | ||
| Average total assets | $784,679,000 | 1,255 |
| Average earning assets | $721,294,000 | 1,267 |
| Average equity | $31,442,500 | 2,363 |
| Average total loans | $310,767,000 | 1,834 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6064% | 3,737 |
| Cost of funding earning assets | 1.2002% | 3,813 |
| Net interest margin | 3.4062% | 2,275 |
| Noninterest income to average assets | 0.6900% | 1,210 |
| Noninterest expense to average assets | 1.9208% | 3,748 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.8921% | 472 |
| Return on assets (ROA) | 0.9857% | 2,098 |
| Pretax return on assets | 0.9857% | 2,570 |
| Return on Equity (ROE) | 28.6000% | 121 |
| Retained earnings to average equity (ytd only) | -13.1737% | 4,419 |
| Net charge-offs to loans | 0.0332% | 1,906 |
| Credit loss provision to net charge-offs | 283.8384% | 903 |
| Earnings coverage of net charge-offs (x) | 159.3030% | 595 |
| Efficiency ratio | 49.6359% | 4,006 |
| Assets per employee ($millions) | 7.4020% | 1,903 |
| Cash dividends to net income (ytd only)* | 146.0632% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 1,954 |
| Loan loss allowance to noncurrent loans | 669.8606% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 3,166 |
| Noncurrent loans to loans | 0.1855% | 2,765 |
| Net loans and leases to total assets | 38.5900% | 4,047 |
| Net loans and leases to deposits | 43.2842% | 4,087 |
| Net loans and leases to core deposits | 45.3239% | 4,108 |
| Total domestic deposits to total assets | 89.1500% | 1,102 |
| Equity capital to assets | 3.4463% | 4,444 |
| Core capital (leverage) ratio | 8.5389% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4567% | 715 |
| Memoranda: | ||
| Average total assets | $809,209,200 | 1,207 |
| Average earning assets | $755,888,600 | 1,203 |
| Average equity | $27,888,800 | 2,473 |
| Average total loans | $297,791,200 | 1,858 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5280% | 3,803 |
| Cost of funding earning assets | 1.2401% | 3,769 |
| Net interest margin | 3.2879% | 2,475 |
| Noninterest income to average assets | 0.6800% | 1,209 |
| Noninterest expense to average assets | 1.8546% | 3,839 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.8843% | 517 |
| Return on assets (ROA) | 1.8843% | 522 |
| Pretax return on assets | 1.8843% | 775 |
| Return on Equity (ROE) | 54.6700% | 22 |
| Retained earnings to average equity (ytd only) | 6.4056% | 1,952 |
| Net charge-offs to loans | 0.0375% | 1,584 |
| Credit loss provision to net charge-offs | 231.3253% | 997 |
| Earnings coverage of net charge-offs (x) | 140.4458% | 645 |
| Efficiency ratio | 49.2578% | 4,024 |
| Assets per employee ($millions) | 8.1750% | 1,429 |
| Cash dividends to net income (ytd only)* | 88.2839% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 1,967 |
| Loan loss allowance to noncurrent loans | 649.0534% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 3,236 |
| Noncurrent loans to loans | 0.1919% | 2,775 |
| Net loans and leases to total assets | 35.5000% | 4,150 |
| Net loans and leases to deposits | 43.2406% | 4,125 |
| Net loans and leases to core deposits | 45.3475% | 4,142 |
| Total domestic deposits to total assets | 82.1100% | 3,079 |
| Equity capital to assets | 4.2563% | 4,477 |
| Core capital (leverage) ratio | 8.8482% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4841% | 640 |
| Memoranda: | ||
| Average total assets | $813,509,000 | 1,195 |
| Average earning assets | $762,383,250 | 1,184 |
| Average equity | $28,037,250 | 2,466 |
| Average total loans | $294,872,750 | 1,866 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5065% | 3,772 |
| Cost of funding earning assets | 1.2447% | 3,721 |
| Net interest margin | 3.2618% | 2,501 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 1.8863% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.8453% | 549 |
| Return on assets (ROA) | 1.8453% | 554 |
| Pretax return on assets | 1.8453% | 797 |
| Return on Equity (ROE) | 58.3300% | 24 |
| Retained earnings to average equity (ytd only) | 8.3973% | 1,256 |
| Net charge-offs to loans | 0.0424% | 1,372 |
| Credit loss provision to net charge-offs | 37.0968% | 1,884 |
| Earnings coverage of net charge-offs (x) | 119.9677% | 699 |
| Efficiency ratio | 50.4827% | 3,984 |
| Assets per employee ($millions) | 7.8320% | 1,547 |
| Cash dividends to net income (ytd only)* | 85.6026% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 2,179 |
| Loan loss allowance to noncurrent loans | 605.8528% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 3,152 |
| Noncurrent loans to loans | 0.2003% | 2,694 |
| Net loans and leases to total assets | 36.5600% | 4,137 |
| Net loans and leases to deposits | 42.5956% | 4,146 |
| Net loans and leases to core deposits | 44.4411% | 4,156 |
| Total domestic deposits to total assets | 85.8300% | 2,030 |
| Equity capital to assets | 3.0921% | 4,498 |
| Core capital (leverage) ratio | 8.9303% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8128% | 602 |
| Memoranda: | ||
| Average total assets | $804,005,000 | 1,203 |
| Average earning assets | $755,348,333 | 1,192 |
| Average equity | $25,436,667 | 2,571 |
| Average total loans | $292,255,000 | 1,876 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 3,736 |
| Cost of funding earning assets | 1.2550% | 3,635 |
| Net interest margin | 3.2051% | 2,555 |
| Noninterest income to average assets | 0.6500% | 1,194 |
| Noninterest expense to average assets | 1.8748% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.7871% | 579 |
| Return on assets (ROA) | 1.7871% | 586 |
| Pretax return on assets | 1.7871% | 846 |
| Return on Equity (ROE) | 55.8500% | 30 |
| Retained earnings to average equity (ytd only) | 5.2330% | 2,331 |
| Net charge-offs to loans | 0.0429% | 1,104 |
| Credit loss provision to net charge-offs | 3.2258% | 1,566 |
| Earnings coverage of net charge-offs (x) | 115.7097% | 620 |
| Efficiency ratio | 51.1906% | 3,959 |
| Assets per employee ($millions) | 7.4749% | 1,776 |
| Cash dividends to net income (ytd only)* | 90.6302% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,128 |
| Loan loss allowance to noncurrent loans | 585.8065% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 3,140 |
| Noncurrent loans to loans | 0.2096% | 2,583 |
| Net loans and leases to total assets | 35.8500% | 4,152 |
| Net loans and leases to deposits | 42.2222% | 4,132 |
| Net loans and leases to core deposits | 43.9937% | 4,203 |
| Total domestic deposits to total assets | 84.9100% | 2,443 |
| Equity capital to assets | 2.9960% | 4,521 |
| Core capital (leverage) ratio | 8.7773% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1337% | 680 |
| Memoranda: | ||
| Average total assets | $802,658,500 | 1,209 |
| Average earning assets | $755,056,000 | 1,196 |
| Average equity | $25,683,000 | 2,570 |
| Average total loans | $289,108,000 | 1,883 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 4,128 |
| Cost of funding earning assets | 0.8437% | 3,625 |
| Net interest margin | 3.0046% | 3,272 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 1.8269% | 3,958 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6798% | 761 |
| Return on assets (ROA) | 0.7096% | 3,143 |
| Pretax return on assets | 0.7096% | 3,416 |
| Return on Equity (ROE) | 28.6600% | 204 |
| Retained earnings to average equity (ytd only) | -25.8295% | 4,539 |
| Net charge-offs to loans | 0.0234% | 1,845 |
| Credit loss provision to net charge-offs | 62.5000% | 2,134 |
| Earnings coverage of net charge-offs (x) | 211.0156% | 567 |
| Efficiency ratio | 52.0232% | 3,831 |
| Assets per employee ($millions) | 6.6996% | 2,272 |
| Cash dividends to net income (ytd only)* | 190.1371% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 1,783 |
| Loan loss allowance to noncurrent loans | 1,831.0000% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 3,532 |
| Noncurrent loans to loans | 0.0708% | 3,209 |
| Net loans and leases to total assets | 35.2700% | 4,175 |
| Net loans and leases to deposits | 41.3377% | 4,168 |
| Net loans and leases to core deposits | 42.7141% | 4,234 |
| Total domestic deposits to total assets | 85.3200% | 2,205 |
| Equity capital to assets | 3.4097% | 4,528 |
| Core capital (leverage) ratio | 8.9606% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2385% | 588 |
| Memoranda: | ||
| Average total assets | $801,580,200 | 1,183 |
| Average earning assets | $755,952,200 | 1,163 |
| Average equity | $19,849,400 | 2,871 |
| Average total loans | $273,061,400 | 1,906 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 4,152 |
| Cost of funding earning assets | 0.7502% | 3,652 |
| Net interest margin | 3.0051% | 3,332 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 1.8418% | 3,897 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6699% | 835 |
| Return on assets (ROA) | 1.6719% | 827 |
| Pretax return on assets | 1.6719% | 1,213 |
| Return on Equity (ROE) | 74.4100% | 33 |
| Retained earnings to average equity (ytd only) | -5.3781% | 4,430 |
| Net charge-offs to loans | 0.0158% | 1,834 |
| Credit loss provision to net charge-offs | 68.7500% | 1,815 |
| Earnings coverage of net charge-offs (x) | 315.5000% | 436 |
| Efficiency ratio | 52.3931% | 3,725 |
| Assets per employee ($millions) | 7.5684% | 1,586 |
| Cash dividends to net income (ytd only)* | 107.2278% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 1,707 |
| Loan loss allowance to noncurrent loans | 808.1319% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 3,232 |
| Noncurrent loans to loans | 0.1656% | 2,714 |
| Net loans and leases to total assets | 34.7800% | 4,223 |
| Net loans and leases to deposits | 40.1824% | 4,200 |
| Net loans and leases to core deposits | 41.3710% | 4,230 |
| Total domestic deposits to total assets | 86.5600% | 2,023 |
| Equity capital to assets | 1.0238% | 4,572 |
| Core capital (leverage) ratio | 9.2288% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4991% | 517 |
| Memoranda: | ||
| Average total assets | $804,336,000 | 1,178 |
| Average earning assets | $758,865,000 | 1,157 |
| Average equity | $18,072,750 | 3,001 |
| Average total loans | $270,709,000 | 1,915 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6534% | 4,193 |
| Cost of funding earning assets | 0.6268% | 3,689 |
| Net interest margin | 3.0265% | 3,363 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 1.8179% | 3,964 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7061% | 769 |
| Return on assets (ROA) | 1.7081% | 767 |
| Pretax return on assets | 1.7081% | 1,195 |
| Return on Equity (ROE) | 64.7500% | 38 |
| Retained earnings to average equity (ytd only) | -6.2976% | 4,456 |
| Net charge-offs to loans | 0.0119% | 1,749 |
| Credit loss provision to net charge-offs | -12.5000% | 4,503 |
| Earnings coverage of net charge-offs (x) | 433.1250% | 336 |
| Efficiency ratio | 51.5926% | 3,808 |
| Assets per employee ($millions) | 7.2417% | 1,758 |
| Cash dividends to net income (ytd only)* | 109.7262% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 1,744 |
| Loan loss allowance to noncurrent loans | 1,763.4615% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,534 |
| Noncurrent loans to loans | 0.0761% | 3,139 |
| Net loans and leases to total assets | 33.2500% | 4,261 |
| Net loans and leases to deposits | 38.2247% | 4,251 |
| Net loans and leases to core deposits | 39.9006% | 4,260 |
| Total domestic deposits to total assets | 86.9900% | 1,928 |
| Equity capital to assets | 2.3717% | 4,591 |
| Core capital (leverage) ratio | 9.2153% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9091% | 488 |
| Memoranda: | ||
| Average total assets | $812,598,667 | 1,164 |
| Average earning assets | $767,014,333 | 1,148 |
| Average equity | $21,436,667 | 2,742 |
| Average total loans | $269,337,333 | 1,912 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5793% | 4,178 |
| Cost of funding earning assets | 0.4661% | 3,787 |
| Net interest margin | 3.1132% | 3,322 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 1.8078% | 4,016 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7778% | 702 |
| Return on assets (ROA) | 1.7817% | 691 |
| Pretax return on assets | 1.7817% | 1,102 |
| Return on Equity (ROE) | 64.3000% | 51 |
| Retained earnings to average equity (ytd only) | -8.7323% | 4,450 |
| Net charge-offs to loans | 0.0254% | 1,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 212.6471% | 491 |
| Efficiency ratio | 50.4183% | 3,902 |
| Assets per employee ($millions) | 7.3905% | 1,685 |
| Cash dividends to net income (ytd only)* | 113.5799% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 1,721 |
| Loan loss allowance to noncurrent loans | 1,730.1887% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 3,527 |
| Noncurrent loans to loans | 0.0794% | 3,167 |
| Net loans and leases to total assets | 32.1100% | 4,319 |
| Net loans and leases to deposits | 35.8354% | 4,333 |
| Net loans and leases to core deposits | 38.1167% | 4,315 |
| Total domestic deposits to total assets | 89.6100% | 1,295 |
| Equity capital to assets | 3.2241% | 4,589 |
| Core capital (leverage) ratio | 9.2483% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6668% | 521 |
| Memoranda: | ||
| Average total assets | $813,362,500 | 1,183 |
| Average earning assets | $768,082,500 | 1,157 |
| Average equity | $22,537,000 | 2,682 |
| Average total loans | $267,329,000 | 1,936 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3165% | 3,546 |
| Cost of funding earning assets | 0.1864% | 3,863 |
| Net interest margin | 3.1301% | 3,083 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 1.7548% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9039% | 350 |
| Return on assets (ROA) | 1.9051% | 340 |
| Pretax return on assets | 1.9051% | 579 |
| Return on Equity (ROE) | 42.0000% | 51 |
| Retained earnings to average equity (ytd only) | 11.5718% | 765 |
| Net charge-offs to loans | 0.0310% | 1,448 |
| Credit loss provision to net charge-offs | -27.9070% | 4,555 |
| Earnings coverage of net charge-offs (x) | 184.1047% | 691 |
| Efficiency ratio | 47.9999% | 4,236 |
| Assets per employee ($millions) | 6.3998% | 2,418 |
| Cash dividends to net income (ytd only)* | 72.4460% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3464% | 248 |
| Loan loss allowance to noncurrent loans | 1,914.0244% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 3,394 |
| Noncurrent loans to loans | 0.1226% | 2,906 |
| Net loans and leases to total assets | 32.4000% | 4,327 |
| Net loans and leases to deposits | 34.4553% | 4,387 |
| Net loans and leases to core deposits | 37.4814% | 4,343 |
| Total domestic deposits to total assets | 94.0400% | 238 |
| Equity capital to assets | 2.3097% | 4,634 |
| Core capital (leverage) ratio | 8.8908% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6213% | 575 |
| Memoranda: | ||
| Average total assets | $832,865,600 | 1,154 |
| Average earning assets | $788,625,200 | 1,124 |
| Average equity | $37,781,600 | 2,007 |
| Average total loans | $277,302,600 | 1,830 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2157% | 3,396 |
| Cost of funding earning assets | 0.1356% | 3,982 |
| Net interest margin | 3.0801% | 2,990 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 1.7297% | 4,113 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 1.8644% | 375 |
| Return on assets (ROA) | 1.8660% | 365 |
| Pretax return on assets | 1.8660% | 636 |
| Return on Equity (ROE) | 36.8000% | 53 |
| Retained earnings to average equity (ytd only) | 11.6478% | 877 |
| Net charge-offs to loans | 0.0362% | 1,138 |
| Credit loss provision to net charge-offs | -100.0000% | 4,641 |
| Earnings coverage of net charge-offs (x) | 153.4605% | 740 |
| Efficiency ratio | 48.2886% | 4,256 |
| Assets per employee ($millions) | 7.5272% | 1,598 |
| Cash dividends to net income (ytd only)* | 68.3462% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3258% | 276 |
| Loan loss allowance to noncurrent loans | 1,861.4925% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,499 |
| Noncurrent loans to loans | 0.1249% | 3,020 |
| Net loans and leases to total assets | 31.6300% | 4,387 |
| Net loans and leases to deposits | 33.2856% | 4,430 |
| Net loans and leases to core deposits | 37.2004% | 4,364 |
| Total domestic deposits to total assets | 95.0200% | 218 |
| Equity capital to assets | 1.8295% | 4,665 |
| Core capital (leverage) ratio | 8.6239% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0995% | 555 |
| Memoranda: | ||
| Average total assets | $839,488,250 | 1,155 |
| Average earning assets | $795,274,750 | 1,126 |
| Average equity | $42,570,750 | 1,865 |
| Average total loans | $279,739,500 | 1,809 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1124% | 3,274 |
| Cost of funding earning assets | 0.1134% | 4,035 |
| Net interest margin | 2.9990% | 2,873 |
| Noninterest income to average assets | 0.6652% | 1,481 |
| Noninterest expense to average assets | 1.7139% | 4,124 |
| Loan and lease loss provision to assets | 0.0002% | 2,598 |
| Net operating income to assets | 1.7920% | 345 |
| Return on assets (ROA) | 1.7934% | 338 |
| Pretax return on assets | 1.7934% | 611 |
| Return on Equity (ROE) | 29.2468% | 66 |
| Retained earnings to average equity (ytd only) | 8.9999% | 1,287 |
| Net charge-offs to loans | 0.0374% | 1,010 |
| Credit loss provision to net charge-offs | 1.8868% | 1,658 |
| Earnings coverage of net charge-offs (x) | 142.5849% | 671 |
| Efficiency ratio | 48.8839% | 4,315 |
| Assets per employee ($millions) | 7.4474% | 1,644 |
| Cash dividends to net income (ytd only)* | 69.2277% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2949% | 335 |
| Loan loss allowance to noncurrent loans | 2,866.5158% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,719 |
| Noncurrent loans to loans | 0.0801% | 3,381 |
| Net loans and leases to total assets | 32.3353% | 4,388 |
| Net loans and leases to deposits | 34.9155% | 4,427 |
| Net loans and leases to core deposits | 39.0769% | 4,347 |
| Total domestic deposits to total assets | 92.6100% | 618 |
| Equity capital to assets | 4.2761% | 4,593 |
| Core capital (leverage) ratio | 8.5990% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6589% | 566 |
| Memoranda: | ||
| Average total assets | $843,319,667 | 1,145 |
| Average earning assets | $798,863,333 | 1,126 |
| Average equity | $51,711,667 | 1,636 |
| Average total loans | $283,612,333 | 1,783 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0616% | 3,078 |
| Cost of funding earning assets | 0.1095% | 4,025 |
| Net interest margin | 2.9520% | 2,660 |
| Noninterest income to average assets | 0.6689% | 1,419 |
| Noninterest expense to average assets | 1.6921% | 4,143 |
| Loan and lease loss provision to assets | -0.0005% | 4,388 |
| Net operating income to assets | 1.7747% | 347 |
| Return on assets (ROA) | 1.7775% | 345 |
| Pretax return on assets | 1.7775% | 574 |
| Return on Equity (ROE) | 25.2319% | 95 |
| Retained earnings to average equity (ytd only) | 8.6584% | 1,382 |
| Net charge-offs to loans | 0.0612% | 703 |
| Credit loss provision to net charge-offs | -2.2727% | 2,740 |
| Earnings coverage of net charge-offs (x) | 85.4773% | 722 |
| Efficiency ratio | 48.8160% | 4,361 |
| Assets per employee ($millions) | 7.1290% | 1,903 |
| Cash dividends to net income (ytd only)* | 65.6847% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2566% | 402 |
| Loan loss allowance to noncurrent loans | 5,198.3607% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,917 |
| Noncurrent loans to loans | 0.0434% | 3,670 |
| Net loans and leases to total assets | 32.3813% | 4,360 |
| Net loans and leases to deposits | 35.7364% | 4,391 |
| Net loans and leases to core deposits | 40.1544% | 4,308 |
| Total domestic deposits to total assets | 90.6115% | 1,239 |
| Equity capital to assets | 5.8295% | 4,611 |
| Core capital (leverage) ratio | 8.6092% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0932% | 637 |
| Memoranda: | ||
| Average total assets | $847,927,500 | 1,138 |
| Average earning assets | $803,514,000 | 1,120 |
| Average equity | $59,734,000 | 1,492 |
| Average total loans | $287,396,000 | 1,751 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2216% | 3,426 |
| Cost of funding earning assets | 0.1686% | 3,785 |
| Net interest margin | 3.0530% | 3,041 |
| Noninterest income to average assets | 0.6271% | 2,036 |
| Noninterest expense to average assets | 1.8093% | 4,131 |
| Loan and lease loss provision to assets | 0.0408% | 2,229 |
| Net operating income to assets | 1.6722% | 675 |
| Return on assets (ROA) | 1.6811% | 689 |
| Pretax return on assets | 1.6811% | 1,198 |
| Return on Equity (ROE) | 19.0001% | 380 |
| Retained earnings to average equity (ytd only) | 2.1660% | 3,932 |
| Net charge-offs to loans | 0.0217% | 1,828 |
| Credit loss provision to net charge-offs | 492.6471% | 810 |
| Earnings coverage of net charge-offs (x) | 206.7647% | 528 |
| Efficiency ratio | 51.3680% | 4,173 |
| Assets per employee ($millions) | 7.0042% | 1,926 |
| Cash dividends to net income (ytd only)* | 88.5998% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1743% | 463 |
| Loan loss allowance to noncurrent loans | 2,717.8723% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 3,848 |
| Noncurrent loans to loans | 0.0800% | 3,526 |
| Net loans and leases to total assets | 33.9061% | 4,383 |
| Net loans and leases to deposits | 38.2431% | 4,387 |
| Net loans and leases to core deposits | 43.0707% | 4,298 |
| Total domestic deposits to total assets | 88.6595% | 1,697 |
| Equity capital to assets | 8.2612% | 4,200 |
| Core capital (leverage) ratio | 8.6242% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3349% | 713 |
| Memoranda: | ||
| Average total assets | $820,796,200 | 1,133 |
| Average earning assets | $778,369,400 | 1,115 |
| Average equity | $72,620,800 | 1,310 |
| Average total loans | $313,466,400 | 1,650 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1790% | 3,642 |
| Cost of funding earning assets | 0.1817% | 3,796 |
| Net interest margin | 2.9974% | 3,308 |
| Noninterest income to average assets | 0.6236% | 2,121 |
| Noninterest expense to average assets | 1.8097% | 4,144 |
| Loan and lease loss provision to assets | 0.0579% | 1,833 |
| Net operating income to assets | 1.5984% | 1,038 |
| Return on assets (ROA) | 1.6104% | 1,051 |
| Pretax return on assets | 1.6104% | 1,665 |
| Return on Equity (ROE) | 17.8926% | 640 |
| Retained earnings to average equity (ytd only) | 2.3801% | 4,087 |
| Net charge-offs to loans | 0.0197% | 1,660 |
| Credit loss provision to net charge-offs | 751.0638% | 616 |
| Earnings coverage of net charge-offs (x) | 215.1702% | 529 |
| Efficiency ratio | 52.2138% | 4,009 |
| Assets per employee ($millions) | 6.8815% | 1,950 |
| Cash dividends to net income (ytd only)* | 86.6979% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1341% | 502 |
| Loan loss allowance to noncurrent loans | 2,612.6016% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,969 |
| Noncurrent loans to loans | 0.0817% | 3,677 |
| Net loans and leases to total assets | 35.9914% | 4,392 |
| Net loans and leases to deposits | 40.9608% | 4,418 |
| Net loans and leases to core deposits | 45.6056% | 4,335 |
| Total domestic deposits to total assets | 87.8679% | 1,923 |
| Equity capital to assets | 8.7703% | 4,023 |
| Core capital (leverage) ratio | 8.5803% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7052% | 626 |
| Memoranda: | ||
| Average total assets | $814,118,250 | 1,147 |
| Average earning assets | $771,993,750 | 1,130 |
| Average equity | $73,272,500 | 1,318 |
| Average total loans | $318,397,000 | 1,658 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1114% | 3,841 |
| Cost of funding earning assets | 0.1936% | 3,819 |
| Net interest margin | 2.9177% | 3,538 |
| Noninterest income to average assets | 0.6370% | 2,057 |
| Noninterest expense to average assets | 1.8633% | 4,049 |
| Loan and lease loss provision to assets | 0.0556% | 1,915 |
| Net operating income to assets | 1.4848% | 1,337 |
| Return on assets (ROA) | 1.5017% | 1,349 |
| Pretax return on assets | 1.5017% | 2,009 |
| Return on Equity (ROE) | 16.5436% | 853 |
| Retained earnings to average equity (ytd only) | 1.4941% | 4,241 |
| Net charge-offs to loans | 0.0025% | 2,111 |
| Credit loss provision to net charge-offs | 5,650.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 1,564.5000% | 73 |
| Efficiency ratio | 54.7440% | 3,710 |
| Assets per employee ($millions) | 7.4918% | 1,481 |
| Cash dividends to net income (ytd only)* | 90.9687% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0199% | 589 |
| Loan loss allowance to noncurrent loans | 1,686.9681% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 3,959 |
| Noncurrent loans to loans | 0.1197% | 3,591 |
| Net loans and leases to total assets | 36.3443% | 4,450 |
| Net loans and leases to deposits | 41.8657% | 4,464 |
| Net loans and leases to core deposits | 47.1743% | 4,360 |
| Total domestic deposits to total assets | 86.8115% | 2,418 |
| Equity capital to assets | 8.6402% | 4,095 |
| Core capital (leverage) ratio | 8.4348% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2259% | 785 |
| Memoranda: | ||
| Average total assets | $812,524,000 | 1,137 |
| Average earning assets | $770,467,000 | 1,129 |
| Average equity | $73,756,667 | 1,304 |
| Average total loans | $324,142,333 | 1,644 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1347% | 3,816 |
| Cost of funding earning assets | 0.2032% | 3,883 |
| Net interest margin | 2.9315% | 3,435 |
| Noninterest income to average assets | 0.6285% | 2,095 |
| Noninterest expense to average assets | 1.8454% | 4,118 |
| Loan and lease loss provision to assets | 0.0377% | 2,270 |
| Net operating income to assets | 1.5241% | 1,275 |
| Return on assets (ROA) | 1.5588% | 1,263 |
| Pretax return on assets | 1.5588% | 1,832 |
| Return on Equity (ROE) | 16.7427% | 889 |
| Retained earnings to average equity (ytd only) | 3.2405% | 3,709 |
| Net charge-offs to loans | 0.0061% | 1,683 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 621.2000% | 161 |
| Efficiency ratio | 54.1617% | 3,768 |
| Assets per employee ($millions) | 7.2456% | 1,617 |
| Cash dividends to net income (ytd only)* | 80.6452% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8416% | 808 |
| Loan loss allowance to noncurrent loans | 424.8456% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 3,282 |
| Noncurrent loans to loans | 0.4335% | 2,560 |
| Net loans and leases to total assets | 40.2963% | 4,325 |
| Net loans and leases to deposits | 46.5558% | 4,320 |
| Net loans and leases to core deposits | 50.7209% | 4,259 |
| Total domestic deposits to total assets | 86.5548% | 2,500 |
| Equity capital to assets | 8.6974% | 3,966 |
| Core capital (leverage) ratio | 8.9633% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4035% | 741 |
| Memoranda: | ||
| Average total assets | $795,499,000 | 1,152 |
| Average earning assets | $754,014,500 | 1,135 |
| Average equity | $74,062,000 | 1,291 |
| Average total loans | $329,201,500 | 1,632 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6610% | 3,672 |
| Cost of funding earning assets | 0.3250% | 4,004 |
| Net interest margin | 3.3360% | 2,968 |
| Noninterest income to average assets | 0.6917% | 1,893 |
| Noninterest expense to average assets | 1.9357% | 4,255 |
| Loan and lease loss provision to assets | 0.2599% | 1,493 |
| Net operating income to assets | 1.6426% | 583 |
| Return on assets (ROA) | 1.6650% | 591 |
| Pretax return on assets | 1.6650% | 919 |
| Return on Equity (ROE) | 16.1780% | 483 |
| Retained earnings to average equity (ytd only) | -0.1213% | 4,537 |
| Net charge-offs to loans | 0.0073% | 3,078 |
| Credit loss provision to net charge-offs | 8,804.5455% | 121 |
| Earnings coverage of net charge-offs (x) | 644.4091% | 181 |
| Efficiency ratio | 50.4318% | 4,503 |
| Assets per employee ($millions) | 6.6003% | 1,850 |
| Cash dividends to net income (ytd only)* | 100.7496% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 727 |
| Loan loss allowance to noncurrent loans | 321.5975% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 3,051 |
| Noncurrent loans to loans | 0.5905% | 2,224 |
| Net loans and leases to total assets | 40.9412% | 4,403 |
| Net loans and leases to deposits | 48.3175% | 4,383 |
| Net loans and leases to core deposits | 53.4694% | 4,285 |
| Total domestic deposits to total assets | 84.7336% | 2,859 |
| Equity capital to assets | 9.9597% | 3,164 |
| Core capital (leverage) ratio | 9.2769% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8149% | 681 |
| Memoranda: | ||
| Average total assets | $745,169,000 | 1,115 |
| Average earning assets | $702,841,200 | 1,097 |
| Average equity | $76,690,400 | 1,199 |
| Average total loans | $301,335,600 | 1,678 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 3,471 |
| Cost of funding earning assets | 0.3538% | 4,037 |
| Net interest margin | 3.4768% | 2,671 |
| Noninterest income to average assets | 0.7080% | 1,771 |
| Noninterest expense to average assets | 1.9855% | 4,180 |
| Loan and lease loss provision to assets | 0.2030% | 1,972 |
| Net operating income to assets | 1.7964% | 451 |
| Return on assets (ROA) | 1.8374% | 462 |
| Pretax return on assets | 1.8374% | 732 |
| Return on Equity (ROE) | 17.7043% | 385 |
| Retained earnings to average equity (ytd only) | 1.6111% | 4,053 |
| Net charge-offs to loans | -0.0014% | 3,842 |
| Credit loss provision to net charge-offs | -37,466.6667% | 4,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8255% | 4,505 |
| Assets per employee ($millions) | 6.5909% | 1,763 |
| Cash dividends to net income (ytd only)* | 90.9002% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 1,076 |
| Loan loss allowance to noncurrent loans | 65.9209% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.0581% | 1,024 |
| Noncurrent loans to loans | 2.4403% | 433 |
| Net loans and leases to total assets | 42.6634% | 4,472 |
| Net loans and leases to deposits | 51.6203% | 4,424 |
| Net loans and leases to core deposits | 56.5200% | 4,366 |
| Total domestic deposits to total assets | 82.6485% | 3,236 |
| Equity capital to assets | 10.2495% | 3,009 |
| Core capital (leverage) ratio | 9.2424% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9973% | 679 |
| Memoranda: | ||
| Average total assets | $738,401,250 | 1,109 |
| Average earning assets | $695,953,250 | 1,092 |
| Average equity | $76,634,750 | 1,189 |
| Average total loans | $296,098,500 | 1,694 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 3,110 |
| Cost of funding earning assets | 0.3927% | 4,065 |
| Net interest margin | 3.6826% | 2,235 |
| Noninterest income to average assets | 0.7148% | 1,689 |
| Noninterest expense to average assets | 2.0258% | 4,179 |
| Loan and lease loss provision to assets | 0.2259% | 1,855 |
| Net operating income to assets | 1.9310% | 382 |
| Return on assets (ROA) | 1.9932% | 377 |
| Pretax return on assets | 1.9932% | 553 |
| Return on Equity (ROE) | 19.1220% | 295 |
| Retained earnings to average equity (ytd only) | 6.6317% | 1,809 |
| Net charge-offs to loans | 0.0098% | 2,595 |
| Credit loss provision to net charge-offs | 5,885.7143% | 199 |
| Earnings coverage of net charge-offs (x) | 562.0714% | 181 |
| Efficiency ratio | 48.4338% | 4,595 |
| Assets per employee ($millions) | 6.3140% | 1,936 |
| Cash dividends to net income (ytd only)* | 65.3190% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5784% | 1,059 |
| Loan loss allowance to noncurrent loans | 60.7558% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.0563% | 1,102 |
| Noncurrent loans to loans | 2.5980% | 436 |
| Net loans and leases to total assets | 39.9479% | 4,608 |
| Net loans and leases to deposits | 47.9293% | 4,597 |
| Net loans and leases to core deposits | 52.5388% | 4,542 |
| Total domestic deposits to total assets | 83.3476% | 2,974 |
| Equity capital to assets | 10.1718% | 3,045 |
| Core capital (leverage) ratio | 9.5189% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7889% | 603 |
| Memoranda: | ||
| Average total assets | $729,686,000 | 1,104 |
| Average earning assets | $687,119,333 | 1,092 |
| Average equity | $76,059,000 | 1,191 |
| Average total loans | $284,293,000 | 1,731 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 4,329 |
| Cost of funding earning assets | 0.4544% | 4,136 |
| Net interest margin | 3.2769% | 3,651 |
| Noninterest income to average assets | 0.8181% | 1,260 |
| Noninterest expense to average assets | 2.1227% | 4,175 |
| Loan and lease loss provision to assets | 0.3141% | 988 |
| Net operating income to assets | 1.4588% | 861 |
| Return on assets (ROA) | 1.5828% | 714 |
| Pretax return on assets | 1.5828% | 1,105 |
| Return on Equity (ROE) | 14.9833% | 545 |
| Retained earnings to average equity (ytd only) | 4.2117% | 2,600 |
| Net charge-offs to loans | 0.0164% | 2,044 |
| Credit loss provision to net charge-offs | 5,018.1818% | 153 |
| Earnings coverage of net charge-offs (x) | 283.2727% | 251 |
| Efficiency ratio | 54.4910% | 4,359 |
| Assets per employee ($millions) | 5.8049% | 1,837 |
| Cash dividends to net income (ytd only)* | 71.8907% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7779% | 740 |
| Loan loss allowance to noncurrent loans | 57.2618% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.1630% | 1,085 |
| Noncurrent loans to loans | 3.1048% | 335 |
| Net loans and leases to total assets | 36.7306% | 4,755 |
| Net loans and leases to deposits | 44.8859% | 4,747 |
| Net loans and leases to core deposits | 50.5666% | 4,662 |
| Total domestic deposits to total assets | 81.8310% | 3,462 |
| Equity capital to assets | 10.8390% | 3,002 |
| Core capital (leverage) ratio | 10.0530% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4635% | 602 |
| Memoranda: | ||
| Average total assets | $703,063,000 | 1,114 |
| Average earning assets | $660,267,500 | 1,090 |
| Average equity | $74,269,500 | 1,209 |
| Average total loans | $267,549,000 | 1,771 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9148% | 4,406 |
| Cost of funding earning assets | 0.4710% | 4,202 |
| Net interest margin | 3.4438% | 3,610 |
| Noninterest income to average assets | 0.8013% | 1,451 |
| Noninterest expense to average assets | 2.1559% | 4,254 |
| Loan and lease loss provision to assets | 0.3105% | 524 |
| Net operating income to assets | 1.5671% | 899 |
| Return on assets (ROA) | 1.5551% | 989 |
| Pretax return on assets | 1.5551% | 1,636 |
| Return on Equity (ROE) | 15.0707% | 681 |
| Retained earnings to average equity (ytd only) | -2.7434% | 4,903 |
| Net charge-offs to loans | 0.8059% | 210 |
| Credit loss provision to net charge-offs | 98.5274% | 2,525 |
| Earnings coverage of net charge-offs (x) | 5.9581% | 3,025 |
| Efficiency ratio | 53.4498% | 4,480 |
| Assets per employee ($millions) | 5.4931% | 2,066 |
| Cash dividends to net income (ytd only)* | 118.2039% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 1,051 |
| Loan loss allowance to noncurrent loans | 50.5955% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.2031% | 972 |
| Noncurrent loans to loans | 3.1008% | 296 |
| Net loans and leases to total assets | 38.1272% | 4,794 |
| Net loans and leases to deposits | 47.6216% | 4,752 |
| Net loans and leases to core deposits | 51.9700% | 4,707 |
| Total domestic deposits to total assets | 80.0628% | 3,967 |
| Equity capital to assets | 10.2797% | 3,645 |
| Core capital (leverage) ratio | 10.1583% | 3,344 |
| Tier 1 risk-based capital ratio | 20.6095% | 1,237 |
| Total risk-based capital ratio | 21.8601% | 1,201 |
| Memoranda: | ||
| Average total assets | $689,534,600 | 1,083 |
| Average earning assets | $647,192,600 | 1,068 |
| Average equity | $71,151,400 | 1,207 |
| Average total loans | $269,626,000 | 1,733 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9490% | 4,458 |
| Cost of funding earning assets | 0.4754% | 4,240 |
| Net interest margin | 3.4735% | 3,654 |
| Noninterest income to average assets | 0.8144% | 1,381 |
| Noninterest expense to average assets | 2.1636% | 4,247 |
| Loan and lease loss provision to assets | 0.1214% | 1,612 |
| Net operating income to assets | 1.7903% | 626 |
| Return on assets (ROA) | 1.7734% | 679 |
| Pretax return on assets | 1.7734% | 1,152 |
| Return on Equity (ROE) | 17.1703% | 463 |
| Retained earnings to average equity (ytd only) | -0.4909% | 4,808 |
| Net charge-offs to loans | 0.0667% | 1,874 |
| Credit loss provision to net charge-offs | 464.4444% | 671 |
| Earnings coverage of net charge-offs (x) | 73.1611% | 918 |
| Efficiency ratio | 53.0918% | 4,484 |
| Assets per employee ($millions) | 5.3191% | 2,196 |
| Cash dividends to net income (ytd only)* | 102.8593% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 681 |
| Loan loss allowance to noncurrent loans | 258.3288% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 3,275 |
| Noncurrent loans to loans | 0.6963% | 2,215 |
| Net loans and leases to total assets | 37.9306% | 4,869 |
| Net loans and leases to deposits | 46.7898% | 4,851 |
| Net loans and leases to core deposits | 50.5134% | 4,826 |
| Total domestic deposits to total assets | 81.0660% | 3,735 |
| Equity capital to assets | 10.7736% | 3,315 |
| Core capital (leverage) ratio | 10.4263% | 3,161 |
| Tier 1 risk-based capital ratio | 21.3931% | 1,144 |
| Total risk-based capital ratio | 22.6458% | 1,117 |
| Memoranda: | ||
| Average total assets | $688,886,250 | 1,084 |
| Average earning assets | $646,700,000 | 1,067 |
| Average equity | $71,152,000 | 1,203 |
| Average total loans | $270,008,750 | 1,744 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9475% | 4,487 |
| Cost of funding earning assets | 0.4675% | 4,253 |
| Net interest margin | 3.4800% | 3,657 |
| Noninterest income to average assets | 0.7884% | 1,386 |
| Noninterest expense to average assets | 2.1502% | 4,327 |
| Loan and lease loss provision to assets | 0.1163% | 1,612 |
| Net operating income to assets | 1.7922% | 607 |
| Return on assets (ROA) | 1.7670% | 666 |
| Pretax return on assets | 1.7670% | 1,128 |
| Return on Equity (ROE) | 17.3533% | 428 |
| Retained earnings to average equity (ytd only) | -0.8946% | 4,817 |
| Net charge-offs to loans | 0.0632% | 1,750 |
| Credit loss provision to net charge-offs | 467.4419% | 633 |
| Earnings coverage of net charge-offs (x) | 76.7326% | 840 |
| Efficiency ratio | 52.9785% | 4,568 |
| Assets per employee ($millions) | 5.4316% | 2,016 |
| Cash dividends to net income (ytd only)* | 105.1555% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6860% | 848 |
| Loan loss allowance to noncurrent loans | 239.6842% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 3,378 |
| Noncurrent loans to loans | 0.7034% | 2,218 |
| Net loans and leases to total assets | 38.1947% | 4,909 |
| Net loans and leases to deposits | 47.5757% | 4,861 |
| Net loans and leases to core deposits | 50.9203% | 4,845 |
| Total domestic deposits to total assets | 80.2818% | 3,976 |
| Equity capital to assets | 10.3898% | 3,614 |
| Core capital (leverage) ratio | 10.2208% | 3,367 |
| Tier 1 risk-based capital ratio | 21.0696% | 1,169 |
| Total risk-based capital ratio | 22.3216% | 1,155 |
| Memoranda: | ||
| Average total assets | $691,567,330 | 1,083 |
| Average earning assets | $649,885,330 | 1,064 |
| Average equity | $70,419,000 | 1,208 |
| Average total loans | $272,352,330 | 1,745 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9152% | 4,527 |
| Cost of funding earning assets | 0.4504% | 4,282 |
| Net interest margin | 3.4648% | 3,699 |
| Noninterest income to average assets | 0.7696% | 1,367 |
| Noninterest expense to average assets | 2.1347% | 4,410 |
| Loan and lease loss provision to assets | 0.1113% | 1,592 |
| Net operating income to assets | 1.7804% | 606 |
| Return on assets (ROA) | 1.7334% | 710 |
| Pretax return on assets | 1.7334% | 1,133 |
| Return on Equity (ROE) | 17.2000% | 468 |
| Retained earnings to average equity (ytd only) | -2.9405% | 4,814 |
| Net charge-offs to loans | 0.1126% | 1,059 |
| Credit loss provision to net charge-offs | 249.3506% | 930 |
| Earnings coverage of net charge-offs (x) | 42.3636% | 1,117 |
| Efficiency ratio | 53.0174% | 4,617 |
| Assets per employee ($millions) | 5.4673% | 2,013 |
| Cash dividends to net income (ytd only)* | 117.0960% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 1,035 |
| Loan loss allowance to noncurrent loans | 183.4387% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 3,175 |
| Noncurrent loans to loans | 0.8791% | 1,889 |
| Net loans and leases to total assets | 37.9517% | 4,960 |
| Net loans and leases to deposits | 47.0026% | 4,900 |
| Net loans and leases to core deposits | 50.0988% | 4,885 |
| Total domestic deposits to total assets | 80.7439% | 4,015 |
| Equity capital to assets | 10.0008% | 3,828 |
| Core capital (leverage) ratio | 10.2614% | 3,317 |
| Tier 1 risk-based capital ratio | 21.9477% | 1,057 |
| Total risk-based capital ratio | 23.1997% | 1,030 |
| Memoranda: | ||
| Average total assets | $689,730,500 | 1,092 |
| Average earning assets | $648,350,000 | 1,071 |
| Average equity | $69,511,500 | 1,214 |
| Average total loans | $273,479,000 | 1,749 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7769% | 4,542 |
| Cost of funding earning assets | 0.4059% | 3,952 |
| Net interest margin | 3.3710% | 4,074 |
| Noninterest income to average assets | 0.7833% | 1,509 |
| Noninterest expense to average assets | 2.1077% | 4,545 |
| Loan and lease loss provision to assets | 0.1263% | 1,734 |
| Net operating income to assets | 1.7220% | 651 |
| Return on assets (ROA) | 1.7045% | 679 |
| Pretax return on assets | 1.7045% | 1,159 |
| Return on Equity (ROE) | 17.4920% | 439 |
| Retained earnings to average equity (ytd only) | 0.6135% | 4,826 |
| Net charge-offs to loans | 0.0429% | 2,556 |
| Credit loss provision to net charge-offs | 774.5614% | 461 |
| Earnings coverage of net charge-offs (x) | 113.3596% | 675 |
| Efficiency ratio | 53.2791% | 4,684 |
| Assets per employee ($millions) | 5.3516% | 2,106 |
| Cash dividends to net income (ytd only)* | 96.4927% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 1,201 |
| Loan loss allowance to noncurrent loans | 161.1407% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 2,933 |
| Noncurrent loans to loans | 0.9494% | 1,699 |
| Net loans and leases to total assets | 40.1349% | 4,944 |
| Net loans and leases to deposits | 50.1325% | 4,880 |
| Net loans and leases to core deposits | 54.0247% | 4,847 |
| Total domestic deposits to total assets | 80.0576% | 4,093 |
| Equity capital to assets | 10.1576% | 3,519 |
| Core capital (leverage) ratio | 10.2981% | 3,247 |
| Tier 1 risk-based capital ratio | 21.3343% | 1,121 |
| Total risk-based capital ratio | 22.5850% | 1,101 |
| Memoranda: | ||
| Average total assets | $699,200,600 | 1,063 |
| Average earning assets | $658,057,600 | 1,043 |
| Average equity | $68,134,000 | 1,187 |
| Average total loans | $265,434,800 | 1,754 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7133% | 4,624 |
| Cost of funding earning assets | 0.3970% | 3,879 |
| Net interest margin | 3.3163% | 4,236 |
| Noninterest income to average assets | 0.7662% | 1,598 |
| Noninterest expense to average assets | 2.0601% | 4,627 |
| Loan and lease loss provision to assets | 0.1312% | 1,534 |
| Net operating income to assets | 1.6973% | 747 |
| Return on assets (ROA) | 1.6787% | 785 |
| Pretax return on assets | 1.6787% | 1,326 |
| Return on Equity (ROE) | 17.4053% | 497 |
| Retained earnings to average equity (ytd only) | 0.2258% | 4,999 |
| Net charge-offs to loans | 0.0493% | 2,121 |
| Credit loss provision to net charge-offs | 714.4330% | 523 |
| Earnings coverage of net charge-offs (x) | 99.5464% | 755 |
| Efficiency ratio | 52.9778% | 4,710 |
| Assets per employee ($millions) | 5.4762% | 1,935 |
| Cash dividends to net income (ytd only)* | 98.7028% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 1,351 |
| Loan loss allowance to noncurrent loans | 144.9715% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 2,992 |
| Noncurrent loans to loans | 1.0333% | 1,656 |
| Net loans and leases to total assets | 38.7377% | 5,061 |
| Net loans and leases to deposits | 48.3241% | 5,004 |
| Net loans and leases to core deposits | 52.2670% | 4,961 |
| Total domestic deposits to total assets | 80.1624% | 4,076 |
| Equity capital to assets | 9.7312% | 3,891 |
| Core capital (leverage) ratio | 10.0656% | 3,565 |
| Tier 1 risk-based capital ratio | 21.4541% | 1,122 |
| Total risk-based capital ratio | 22.7045% | 1,104 |
| Memoranda: | ||
| Average total assets | $704,088,750 | 1,057 |
| Average earning assets | $662,934,500 | 1,035 |
| Average equity | $67,908,500 | 1,188 |
| Average total loans | $262,540,000 | 1,777 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6519% | 4,682 |
| Cost of funding earning assets | 0.3888% | 3,820 |
| Net interest margin | 3.2632% | 4,352 |
| Noninterest income to average assets | 0.7559% | 1,622 |
| Noninterest expense to average assets | 2.0367% | 4,728 |
| Loan and lease loss provision to assets | 0.1397% | 1,397 |
| Net operating income to assets | 1.6516% | 798 |
| Return on assets (ROA) | 1.6239% | 872 |
| Pretax return on assets | 1.6239% | 1,425 |
| Return on Equity (ROE) | 16.8861% | 540 |
| Retained earnings to average equity (ytd only) | -0.7189% | 5,048 |
| Net charge-offs to loans | 0.0493% | 1,903 |
| Credit loss provision to net charge-offs | 773.4375% | 512 |
| Earnings coverage of net charge-offs (x) | 99.1875% | 700 |
| Efficiency ratio | 53.2065% | 4,766 |
| Assets per employee ($millions) | 5.4953% | 1,881 |
| Cash dividends to net income (ytd only)* | 104.2572% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,503 |
| Loan loss allowance to noncurrent loans | 177.6310% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 3,296 |
| Noncurrent loans to loans | 0.8240% | 2,078 |
| Net loans and leases to total assets | 37.3150% | 5,144 |
| Net loans and leases to deposits | 46.7197% | 5,070 |
| Net loans and leases to core deposits | 50.9190% | 5,022 |
| Total domestic deposits to total assets | 79.8701% | 4,258 |
| Equity capital to assets | 9.5953% | 4,006 |
| Core capital (leverage) ratio | 9.9165% | 3,670 |
| Tier 1 risk-based capital ratio | 21.4366% | 1,105 |
| Total risk-based capital ratio | 22.6866% | 1,085 |
| Memoranda: | ||
| Average total assets | $708,782,670 | 1,050 |
| Average earning assets | $667,263,330 | 1,040 |
| Average equity | $68,162,670 | 1,182 |
| Average total loans | $259,600,670 | 1,795 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5836% | 4,736 |
| Cost of funding earning assets | 0.3873% | 3,680 |
| Net interest margin | 3.1963% | 4,470 |
| Noninterest income to average assets | 0.7134% | 1,772 |
| Noninterest expense to average assets | 2.0886% | 4,682 |
| Loan and lease loss provision to assets | 0.0157% | 3,326 |
| Net operating income to assets | 1.6203% | 816 |
| Return on assets (ROA) | 1.5652% | 938 |
| Pretax return on assets | 1.5652% | 1,483 |
| Return on Equity (ROE) | 16.2575% | 584 |
| Retained earnings to average equity (ytd only) | -4.1812% | 5,153 |
| Net charge-offs to loans | 0.0609% | 1,494 |
| Credit loss provision to net charge-offs | 71.7949% | 1,812 |
| Earnings coverage of net charge-offs (x) | 74.6154% | 737 |
| Efficiency ratio | 56.0755% | 4,567 |
| Assets per employee ($millions) | 11.4205% | 219 |
| Cash dividends to net income (ytd only)* | 125.7184% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 2,011 |
| Loan loss allowance to noncurrent loans | 140.9702% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 3,349 |
| Noncurrent loans to loans | 0.9592% | 1,903 |
| Net loans and leases to total assets | 35.0626% | 5,242 |
| Net loans and leases to deposits | 44.1236% | 5,158 |
| Net loans and leases to core deposits | 48.3674% | 5,090 |
| Total domestic deposits to total assets | 79.4645% | 4,498 |
| Equity capital to assets | 9.3815% | 4,205 |
| Core capital (leverage) ratio | 9.7822% | 3,774 |
| Tier 1 risk-based capital ratio | 20.3238% | 1,289 |
| Total risk-based capital ratio | 21.4724% | 1,280 |
| Memoranda: | ||
| Average total assets | $711,474,000 | 1,054 |
| Average earning assets | $670,273,000 | 1,038 |
| Average equity | $68,497,500 | 1,186 |
| Average total loans | $256,214,500 | 1,821 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3684% | 4,983 |
| Cost of funding earning assets | 0.3771% | 3,445 |
| Net interest margin | 2.9913% | 4,902 |
| Noninterest income to average assets | 0.7154% | 1,899 |
| Noninterest expense to average assets | 1.9485% | 5,051 |
| Loan and lease loss provision to assets | 0.0285% | 3,703 |
| Net operating income to assets | 1.5549% | 714 |
| Return on assets (ROA) | 1.5447% | 744 |
| Pretax return on assets | 1.5447% | 1,469 |
| Return on Equity (ROE) | 15.9573% | 491 |
| Retained earnings to average equity (ytd only) | 2.6054% | 3,762 |
| Net charge-offs to loans | 0.0455% | 2,876 |
| Credit loss provision to net charge-offs | 188.8889% | 1,443 |
| Earnings coverage of net charge-offs (x) | 104.9259% | 627 |
| Efficiency ratio | 55.1687% | 4,845 |
| Assets per employee ($millions) | 5.5830% | 1,858 |
| Cash dividends to net income (ytd only)* | 83.6725% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 1,963 |
| Loan loss allowance to noncurrent loans | 134.5095% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 3,268 |
| Noncurrent loans to loans | 1.0047% | 1,767 |
| Net loans and leases to total assets | 35.9979% | 5,286 |
| Net loans and leases to deposits | 46.1180% | 5,189 |
| Net loans and leases to core deposits | 51.2892% | 5,089 |
| Total domestic deposits to total assets | 78.0562% | 4,713 |
| Equity capital to assets | 9.8792% | 3,844 |
| Core capital (leverage) ratio | 9.9212% | 3,552 |
| Tier 1 risk-based capital ratio | 22.2427% | 991 |
| Total risk-based capital ratio | 23.4662% | 965 |
| Memoranda: | ||
| Average total assets | $715,662,000 | 1,021 |
| Average earning assets | $673,851,000 | 1,005 |
| Average equity | $69,278,800 | 1,147 |
| Average total loans | $237,465,000 | 1,891 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3068% | 5,110 |
| Cost of funding earning assets | 0.3764% | 3,412 |
| Net interest margin | 2.9304% | 5,050 |
| Noninterest income to average assets | 0.7100% | 1,961 |
| Noninterest expense to average assets | 1.9412% | 5,062 |
| Loan and lease loss provision to assets | 0.0232% | 3,680 |
| Net operating income to assets | 1.5052% | 885 |
| Return on assets (ROA) | 1.5058% | 910 |
| Pretax return on assets | 1.5058% | 1,751 |
| Return on Equity (ROE) | 15.6338% | 569 |
| Retained earnings to average equity (ytd only) | 3.5959% | 3,779 |
| Net charge-offs to loans | 0.0464% | 2,516 |
| Credit loss provision to net charge-offs | 154.3210% | 1,653 |
| Earnings coverage of net charge-offs (x) | 101.7135% | 683 |
| Efficiency ratio | 55.9482% | 4,743 |
| Assets per employee ($millions) | 5.6601% | 1,770 |
| Cash dividends to net income (ytd only)* | 76.9989% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 1,976 |
| Loan loss allowance to noncurrent loans | 137.9491% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 3,450 |
| Noncurrent loans to loans | 1.0005% | 1,937 |
| Net loans and leases to total assets | 34.5110% | 5,402 |
| Net loans and leases to deposits | 44.0754% | 5,314 |
| Net loans and leases to core deposits | 49.5246% | 5,212 |
| Total domestic deposits to total assets | 78.2999% | 4,671 |
| Equity capital to assets | 9.9456% | 3,969 |
| Core capital (leverage) ratio | 9.7928% | 3,829 |
| Tier 1 risk-based capital ratio | 22.4612% | 997 |
| Total risk-based capital ratio | 23.6730% | 985 |
| Memoranda: | ||
| Average total assets | $718,713,250 | 1,026 |
| Average earning assets | $676,845,000 | 1,001 |
| Average equity | $69,224,500 | 1,156 |
| Average total loans | $232,656,500 | 1,929 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2419% | 5,188 |
| Cost of funding earning assets | 0.3722% | 3,360 |
| Net interest margin | 2.8697% | 5,140 |
| Noninterest income to average assets | 0.7129% | 1,932 |
| Noninterest expense to average assets | 1.9824% | 5,010 |
| Loan and lease loss provision to assets | 0.0105% | 3,731 |
| Net operating income to assets | 1.4218% | 1,013 |
| Return on assets (ROA) | 1.4218% | 1,037 |
| Pretax return on assets | 1.4218% | 1,928 |
| Return on Equity (ROE) | 14.9208% | 674 |
| Retained earnings to average equity (ytd only) | 3.3002% | 3,755 |
| Net charge-offs to loans | 0.0457% | 2,298 |
| Credit loss provision to net charge-offs | 73.0769% | 2,348 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 655 |
| Efficiency ratio | 58.0543% | 4,584 |
| Assets per employee ($millions) | 5.5717% | 1,806 |
| Cash dividends to net income (ytd only)* | 77.8816% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 1,825 |
| Loan loss allowance to noncurrent loans | 385.2064% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 4,586 |
| Noncurrent loans to loans | 0.3709% | 3,698 |
| Net loans and leases to total assets | 32.4934% | 5,489 |
| Net loans and leases to deposits | 40.9229% | 5,426 |
| Net loans and leases to core deposits | 46.7680% | 5,323 |
| Total domestic deposits to total assets | 79.4015% | 4,531 |
| Equity capital to assets | 9.7570% | 4,171 |
| Core capital (leverage) ratio | 9.7539% | 3,828 |
| Tier 1 risk-based capital ratio | 22.9003% | 961 |
| Total risk-based capital ratio | 24.1470% | 943 |
| Memoranda: | ||
| Average total assets | $722,445,330 | 1,027 |
| Average earning assets | $680,215,330 | 1,000 |
| Average equity | $68,843,670 | 1,166 |
| Average total loans | $227,679,330 | 1,958 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2156% | 5,219 |
| Cost of funding earning assets | 0.3670% | 3,349 |
| Net interest margin | 2.8486% | 5,168 |
| Noninterest income to average assets | 0.6778% | 2,049 |
| Noninterest expense to average assets | 1.9090% | 5,223 |
| Loan and lease loss provision to assets | 0.0765% | 2,282 |
| Net operating income to assets | 1.3743% | 1,050 |
| Return on assets (ROA) | 1.3743% | 1,084 |
| Pretax return on assets | 1.3743% | 1,973 |
| Return on Equity (ROE) | 14.5926% | 706 |
| Retained earnings to average equity (ytd only) | 2.9092% | 3,962 |
| Net charge-offs to loans | 0.0607% | 1,721 |
| Credit loss provision to net charge-offs | 408.8235% | 647 |
| Earnings coverage of net charge-offs (x) | 77.5588% | 668 |
| Efficiency ratio | 56.8200% | 4,853 |
| Assets per employee ($millions) | 5.9231% | 1,563 |
| Cash dividends to net income (ytd only)* | 80.0641% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 1,563 |
| Loan loss allowance to noncurrent loans | 679.2969% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 4,874 |
| Noncurrent loans to loans | 0.2259% | 4,302 |
| Net loans and leases to total assets | 30.3827% | 5,574 |
| Net loans and leases to deposits | 37.6893% | 5,533 |
| Net loans and leases to core deposits | 44.1706% | 5,409 |
| Total domestic deposits to total assets | 80.6135% | 4,500 |
| Equity capital to assets | 9.3657% | 4,428 |
| Core capital (leverage) ratio | 9.5412% | 4,069 |
| Tier 1 risk-based capital ratio | 22.6192% | 1,020 |
| Total risk-based capital ratio | 23.8578% | 997 |
| Memoranda: | ||
| Average total assets | $727,079,000 | 1,021 |
| Average earning assets | $684,546,500 | 1,000 |
| Average equity | $68,473,000 | 1,162 |
| Average total loans | $223,971,500 | 1,995 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1991% | 5,305 |
| Cost of funding earning assets | 0.3481% | 3,533 |
| Net interest margin | 2.8511% | 5,208 |
| Noninterest income to average assets | 0.7265% | 2,047 |
| Noninterest expense to average assets | 1.9612% | 5,263 |
| Loan and lease loss provision to assets | 0.0089% | 4,191 |
| Net operating income to assets | 1.4346% | 948 |
| Return on assets (ROA) | 1.4517% | 941 |
| Pretax return on assets | 1.4517% | 1,749 |
| Return on Equity (ROE) | 14.8905% | 643 |
| Retained earnings to average equity (ytd only) | -1.7083% | 5,507 |
| Net charge-offs to loans | 0.1127% | 2,136 |
| Credit loss provision to net charge-offs | 26.5560% | 3,617 |
| Earnings coverage of net charge-offs (x) | 43.1203% | 1,119 |
| Efficiency ratio | 57.6027% | 4,895 |
| Assets per employee ($millions) | 5.6669% | 1,727 |
| Cash dividends to net income (ytd only)* | 111.4726% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 1,583 |
| Loan loss allowance to noncurrent loans | 532.0189% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 4,901 |
| Noncurrent loans to loans | 0.2865% | 4,124 |
| Net loans and leases to total assets | 30.2826% | 5,638 |
| Net loans and leases to deposits | 37.3611% | 5,614 |
| Net loans and leases to core deposits | 44.0749% | 5,487 |
| Total domestic deposits to total assets | 81.0538% | 4,319 |
| Equity capital to assets | 9.4705% | 4,303 |
| Core capital (leverage) ratio | 9.5306% | 4,042 |
| Tier 1 risk-based capital ratio | 23.1353% | 958 |
| Total risk-based capital ratio | 24.3858% | 938 |
| Memoranda: | ||
| Average total assets | $719,921,400 | 994 |
| Average earning assets | $676,274,600 | 985 |
| Average equity | $70,185,600 | 1,126 |
| Average total loans | $213,773,400 | 2,014 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1714% | 5,404 |
| Cost of funding earning assets | 0.3476% | 3,562 |
| Net interest margin | 2.8238% | 5,316 |
| Noninterest income to average assets | 0.7439% | 1,991 |
| Noninterest expense to average assets | 1.9959% | 5,212 |
| Loan and lease loss provision to assets | 0.0028% | 4,162 |
| Net operating income to assets | 1.3978% | 1,071 |
| Return on assets (ROA) | 1.4204% | 1,080 |
| Pretax return on assets | 1.4204% | 1,971 |
| Return on Equity (ROE) | 14.4660% | 747 |
| Retained earnings to average equity (ytd only) | -2.7914% | 5,641 |
| Net charge-offs to loans | 0.1403% | 1,590 |
| Credit loss provision to net charge-offs | 6.7265% | 3,385 |
| Earnings coverage of net charge-offs (x) | 33.9143% | 1,379 |
| Efficiency ratio | 58.7645% | 4,715 |
| Assets per employee ($millions) | 5.4475% | 1,904 |
| Cash dividends to net income (ytd only)* | 119.2960% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 1,575 |
| Loan loss allowance to noncurrent loans | 423.5741% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 4,875 |
| Noncurrent loans to loans | 0.3699% | 3,941 |
| Net loans and leases to total assets | 29.8794% | 5,715 |
| Net loans and leases to deposits | 37.0048% | 5,704 |
| Net loans and leases to core deposits | 44.4455% | 5,568 |
| Total domestic deposits to total assets | 80.7448% | 4,312 |
| Equity capital to assets | 10.0716% | 4,071 |
| Core capital (leverage) ratio | 9.6626% | 3,982 |
| Tier 1 risk-based capital ratio | 23.4490% | 952 |
| Total risk-based capital ratio | 24.6997% | 932 |
| Memoranda: | ||
| Average total assets | $719,979,250 | 999 |
| Average earning assets | $676,319,750 | 987 |
| Average equity | $70,692,500 | 1,118 |
| Average total loans | $211,888,250 | 2,036 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1896% | 5,444 |
| Cost of funding earning assets | 0.3510% | 3,555 |
| Net interest margin | 2.8386% | 5,367 |
| Noninterest income to average assets | 0.7196% | 2,053 |
| Noninterest expense to average assets | 1.9699% | 5,334 |
| Loan and lease loss provision to assets | -0.0022% | 5,742 |
| Net operating income to assets | 1.4171% | 1,035 |
| Return on assets (ROA) | 1.4496% | 1,025 |
| Pretax return on assets | 1.4496% | 1,840 |
| Return on Equity (ROE) | 14.8872% | 688 |
| Retained earnings to average equity (ytd only) | -2.0944% | 5,555 |
| Net charge-offs to loans | 0.1447% | 1,459 |
| Credit loss provision to net charge-offs | -5.2288% | 4,444 |
| Earnings coverage of net charge-offs (x) | 33.5556% | 1,303 |
| Efficiency ratio | 58.1990% | 4,875 |
| Assets per employee ($millions) | 5.3920% | 1,892 |
| Cash dividends to net income (ytd only)* | 114.0684% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 1,465 |
| Loan loss allowance to noncurrent loans | 660.6238% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 5,118 |
| Noncurrent loans to loans | 0.2454% | 4,472 |
| Net loans and leases to total assets | 28.6791% | 5,808 |
| Net loans and leases to deposits | 34.9700% | 5,808 |
| Net loans and leases to core deposits | 42.2040% | 5,675 |
| Total domestic deposits to total assets | 82.0104% | 3,992 |
| Equity capital to assets | 10.0371% | 4,178 |
| Core capital (leverage) ratio | 9.6101% | 4,052 |
| Tier 1 risk-based capital ratio | 23.7216% | 931 |
| Total risk-based capital ratio | 24.9721% | 909 |
| Memoranda: | ||
| Average total assets | $725,728,670 | 995 |
| Average earning assets | $681,399,670 | 978 |
| Average equity | $70,664,670 | 1,119 |
| Average total loans | $211,413,000 | 2,042 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2534% | 5,407 |
| Cost of funding earning assets | 0.3571% | 3,532 |
| Net interest margin | 2.8963% | 5,323 |
| Noninterest income to average assets | 0.7046% | 2,021 |
| Noninterest expense to average assets | 2.0038% | 5,324 |
| Loan and lease loss provision to assets | -0.0214% | 5,911 |
| Net operating income to assets | 1.4378% | 971 |
| Return on assets (ROA) | 1.4383% | 1,015 |
| Pretax return on assets | 1.4383% | 1,783 |
| Return on Equity (ROE) | 14.9984% | 670 |
| Retained earnings to average equity (ytd only) | -7.8563% | 5,744 |
| Net charge-offs to loans | 0.0414% | 2,175 |
| Credit loss provision to net charge-offs | -177.2727% | 4,331 |
| Earnings coverage of net charge-offs (x) | 117.5000% | 479 |
| Efficiency ratio | 58.5870% | 4,930 |
| Assets per employee ($millions) | 5.6119% | 1,736 |
| Cash dividends to net income (ytd only)* | 152.3810% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6798% | 1,413 |
| Loan loss allowance to noncurrent loans | 481.9061% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 5,120 |
| Noncurrent loans to loans | 0.3486% | 4,186 |
| Net loans and leases to total assets | 27.9917% | 5,874 |
| Net loans and leases to deposits | 34.0668% | 5,870 |
| Net loans and leases to core deposits | 41.4762% | 5,734 |
| Total domestic deposits to total assets | 82.1670% | 4,164 |
| Equity capital to assets | 9.6433% | 4,511 |
| Core capital (leverage) ratio | 9.4215% | 4,325 |
| Tier 1 risk-based capital ratio | 21.9233% | 1,172 |
| Total risk-based capital ratio | 23.1735% | 1,147 |
| Memoranda: | ||
| Average total assets | $730,026,500 | 993 |
| Average earning assets | $684,461,000 | 970 |
| Average equity | $70,007,500 | 1,124 |
| Average total loans | $212,591,500 | 2,035 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2521% | 5,431 |
| Cost of funding earning assets | 0.3689% | 3,500 |
| Net interest margin | 2.8832% | 5,361 |
| Noninterest income to average assets | 0.7532% | 1,967 |
| Noninterest expense to average assets | 1.9368% | 5,566 |
| Loan and lease loss provision to assets | 0.0147% | 4,113 |
| Net operating income to assets | 1.5178% | 834 |
| Return on assets (ROA) | 1.5625% | 785 |
| Pretax return on assets | 1.5625% | 1,367 |
| Return on Equity (ROE) | 16.7098% | 483 |
| Retained earnings to average equity (ytd only) | 5.0176% | 2,402 |
| Net charge-offs to loans | 0.0772% | 2,721 |
| Credit loss provision to net charge-offs | 66.0606% | 3,183 |
| Earnings coverage of net charge-offs (x) | 68.8121% | 781 |
| Efficiency ratio | 55.8262% | 5,361 |
| Assets per employee ($millions) | 5.4926% | 1,812 |
| Cash dividends to net income (ytd only)* | 69.9724% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 1,524 |
| Loan loss allowance to noncurrent loans | 525.9259% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 5,087 |
| Noncurrent loans to loans | 0.3104% | 4,344 |
| Net loans and leases to total assets | 29.2854% | 5,911 |
| Net loans and leases to deposits | 36.0925% | 5,886 |
| Net loans and leases to core deposits | 44.3423% | 5,705 |
| Total domestic deposits to total assets | 81.1399% | 4,441 |
| Equity capital to assets | 9.5362% | 4,513 |
| Core capital (leverage) ratio | 9.5829% | 4,069 |
| Tier 1 risk-based capital ratio | 19.8970% | 1,500 |
| Total risk-based capital ratio | 21.0080% | 1,504 |
| Memoranda: | ||
| Average total assets | $740,865,400 | 934 |
| Average earning assets | $697,941,600 | 921 |
| Average equity | $69,276,600 | 1,101 |
| Average total loans | $213,824,600 | 1,965 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2595% | 5,487 |
| Cost of funding earning assets | 0.3691% | 3,556 |
| Net interest margin | 2.8903% | 5,431 |
| Noninterest income to average assets | 0.7595% | 1,983 |
| Noninterest expense to average assets | 1.9347% | 5,591 |
| Loan and lease loss provision to assets | 0.0176% | 3,926 |
| Net operating income to assets | 1.5316% | 876 |
| Return on assets (ROA) | 1.5498% | 892 |
| Pretax return on assets | 1.5498% | 1,535 |
| Return on Equity (ROE) | 16.6557% | 509 |
| Retained earnings to average equity (ytd only) | 4.8992% | 2,986 |
| Net charge-offs to loans | 0.0921% | 2,244 |
| Credit loss provision to net charge-offs | 66.6667% | 2,822 |
| Earnings coverage of net charge-offs (x) | 58.7605% | 932 |
| Efficiency ratio | 55.5338% | 5,405 |
| Assets per employee ($millions) | 5.5632% | 1,719 |
| Cash dividends to net income (ytd only)* | 70.5855% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 1,572 |
| Loan loss allowance to noncurrent loans | 116.0522% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4522% | 3,981 |
| Noncurrent loans to loans | 1.4326% | 1,759 |
| Net loans and leases to total assets | 28.6490% | 6,014 |
| Net loans and leases to deposits | 35.6874% | 5,986 |
| Net loans and leases to core deposits | 43.5862% | 5,804 |
| Total domestic deposits to total assets | 80.2775% | 4,680 |
| Equity capital to assets | 9.6232% | 4,607 |
| Core capital (leverage) ratio | 9.3298% | 4,544 |
| Tier 1 risk-based capital ratio | 20.1768% | 1,504 |
| Total risk-based capital ratio | 21.3222% | 1,495 |
| Memoranda: | ||
| Average total assets | $743,454,000 | 937 |
| Average earning assets | $700,753,500 | 917 |
| Average equity | $69,180,000 | 1,106 |
| Average total loans | $212,910,000 | 1,981 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2707% | 5,496 |
| Cost of funding earning assets | 0.3640% | 3,660 |
| Net interest margin | 2.9067% | 5,429 |
| Noninterest income to average assets | 0.7505% | 1,989 |
| Noninterest expense to average assets | 1.9160% | 5,684 |
| Loan and lease loss provision to assets | 0.0276% | 3,579 |
| Net operating income to assets | 1.5476% | 830 |
| Return on assets (ROA) | 1.5486% | 863 |
| Pretax return on assets | 1.5486% | 1,494 |
| Return on Equity (ROE) | 16.8307% | 507 |
| Retained earnings to average equity (ytd only) | 4.8920% | 2,929 |
| Net charge-offs to loans | 0.0884% | 2,151 |
| Credit loss provision to net charge-offs | 109.5745% | 1,933 |
| Earnings coverage of net charge-offs (x) | 62.5426% | 820 |
| Efficiency ratio | 54.8810% | 5,515 |
| Assets per employee ($millions) | 5.6166% | 1,642 |
| Cash dividends to net income (ytd only)* | 70.9343% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7044% | 1,587 |
| Loan loss allowance to noncurrent loans | 110.0792% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 4,126 |
| Noncurrent loans to loans | 1.5483% | 1,709 |
| Net loans and leases to total assets | 27.7006% | 6,100 |
| Net loans and leases to deposits | 34.1768% | 6,076 |
| Net loans and leases to core deposits | 41.6330% | 5,913 |
| Total domestic deposits to total assets | 81.0510% | 4,605 |
| Equity capital to assets | 9.1321% | 5,109 |
| Core capital (leverage) ratio | 9.1293% | 4,777 |
| Tier 1 risk-based capital ratio | 20.1584% | 1,515 |
| Total risk-based capital ratio | 21.3147% | 1,499 |
| Memoranda: | ||
| Average total assets | $746,463,670 | 931 |
| Average earning assets | $703,824,000 | 910 |
| Average equity | $68,684,000 | 1,118 |
| Average total loans | $212,566,670 | 1,994 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3372% | 5,355 |
| Cost of funding earning assets | 0.3646% | 3,700 |
| Net interest margin | 2.9726% | 5,289 |
| Noninterest income to average assets | 0.7060% | 2,143 |
| Noninterest expense to average assets | 1.9532% | 5,656 |
| Loan and lease loss provision to assets | 0.0237% | 3,398 |
| Net operating income to assets | 1.5325% | 800 |
| Return on assets (ROA) | 1.5346% | 838 |
| Pretax return on assets | 1.5346% | 1,443 |
| Return on Equity (ROE) | 16.6151% | 505 |
| Retained earnings to average equity (ytd only) | 3.7984% | 3,729 |
| Net charge-offs to loans | 0.0338% | 2,525 |
| Credit loss provision to net charge-offs | 244.4444% | 931 |
| Earnings coverage of net charge-offs (x) | 160.6667% | 341 |
| Efficiency ratio | 55.6578% | 5,544 |
| Assets per employee ($millions) | 5.6260% | 1,692 |
| Cash dividends to net income (ytd only)* | 77.1388% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 1,700 |
| Loan loss allowance to noncurrent loans | 124.9828% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 4,429 |
| Noncurrent loans to loans | 1.3711% | 2,098 |
| Net loans and leases to total assets | 27.6331% | 6,145 |
| Net loans and leases to deposits | 34.1399% | 6,118 |
| Net loans and leases to core deposits | 39.9111% | 5,977 |
| Total domestic deposits to total assets | 80.9407% | 4,836 |
| Equity capital to assets | 9.2729% | 5,003 |
| Core capital (leverage) ratio | 8.9767% | 4,976 |
| Tier 1 risk-based capital ratio | 22.0215% | 1,240 |
| Total risk-based capital ratio | 23.2716% | 1,220 |
| Memoranda: | ||
| Average total assets | $743,381,000 | 933 |
| Average earning assets | $701,067,500 | 915 |
| Average equity | $68,660,500 | 1,124 |
| Average total loans | $212,801,000 | 1,997 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4088% | 5,512 |
| Cost of funding earning assets | 0.3632% | 4,107 |
| Net interest margin | 3.0456% | 5,330 |
| Noninterest income to average assets | 0.7720% | 1,984 |
| Noninterest expense to average assets | 2.0093% | 5,746 |
| Loan and lease loss provision to assets | 0.0467% | 3,636 |
| Net operating income to assets | 1.5744% | 749 |
| Return on assets (ROA) | 1.6314% | 694 |
| Pretax return on assets | 1.6314% | 1,149 |
| Return on Equity (ROE) | 18.8335% | 328 |
| Retained earnings to average equity (ytd only) | 6.1092% | 1,852 |
| Net charge-offs to loans | 0.0540% | 3,753 |
| Credit loss provision to net charge-offs | 304.5455% | 854 |
| Earnings coverage of net charge-offs (x) | 105.6273% | 494 |
| Efficiency ratio | 55.3459% | 5,731 |
| Assets per employee ($millions) | 5.4692% | 1,792 |
| Cash dividends to net income (ytd only)* | 67.5618% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 1,806 |
| Loan loss allowance to noncurrent loans | 109.4385% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 4,252 |
| Noncurrent loans to loans | 1.5422% | 1,902 |
| Net loans and leases to total assets | 28.6600% | 6,219 |
| Net loans and leases to deposits | 36.1795% | 6,166 |
| Net loans and leases to core deposits | 42.2829% | 6,025 |
| Total domestic deposits to total assets | 79.2161% | 5,200 |
| Equity capital to assets | 9.1985% | 5,076 |
| Core capital (leverage) ratio | 9.1288% | 4,782 |
| Tier 1 risk-based capital ratio | 22.7423% | 1,118 |
| Total risk-based capital ratio | 23.9931% | 1,100 |
| Memoranda: | ||
| Average total assets | $716,732,800 | 939 |
| Average earning assets | $672,671,800 | 915 |
| Average equity | $62,086,200 | 1,176 |
| Average total loans | $203,700,400 | 2,008 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3987% | 5,594 |
| Cost of funding earning assets | 0.3594% | 4,239 |
| Net interest margin | 3.0393% | 5,406 |
| Noninterest income to average assets | 0.7773% | 1,977 |
| Noninterest expense to average assets | 2.0139% | 5,751 |
| Loan and lease loss provision to assets | 0.0357% | 3,691 |
| Net operating income to assets | 1.5769% | 796 |
| Return on assets (ROA) | 1.6403% | 709 |
| Pretax return on assets | 1.6403% | 1,210 |
| Return on Equity (ROE) | 19.2421% | 326 |
| Retained earnings to average equity (ytd only) | 6.2940% | 2,218 |
| Net charge-offs to loans | 0.0523% | 3,466 |
| Credit loss provision to net charge-offs | 241.7722% | 1,088 |
| Earnings coverage of net charge-offs (x) | 109.1147% | 549 |
| Efficiency ratio | 55.5326% | 5,699 |
| Assets per employee ($millions) | 5.4522% | 1,770 |
| Cash dividends to net income (ytd only)* | 67.2902% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6833% | 2,026 |
| Loan loss allowance to noncurrent loans | 1,123.1511% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 5,908 |
| Noncurrent loans to loans | 0.1499% | 5,467 |
| Net loans and leases to total assets | 27.9255% | 6,319 |
| Net loans and leases to deposits | 35.1829% | 6,265 |
| Net loans and leases to core deposits | 40.3928% | 6,166 |
| Total domestic deposits to total assets | 79.3722% | 5,248 |
| Equity capital to assets | 8.9202% | 5,440 |
| Core capital (leverage) ratio | 9.0512% | 4,998 |
| Tier 1 risk-based capital ratio | 22.7601% | 1,153 |
| Total risk-based capital ratio | 24.0108% | 1,126 |
| Memoranda: | ||
| Average total assets | $712,696,250 | 950 |
| Average earning assets | $668,126,000 | 925 |
| Average equity | $60,754,250 | 1,208 |
| Average total loans | $201,213,250 | 2,044 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4129% | 5,598 |
| Cost of funding earning assets | 0.3613% | 4,306 |
| Net interest margin | 3.0515% | 5,393 |
| Noninterest income to average assets | 0.7720% | 1,952 |
| Noninterest expense to average assets | 2.0209% | 5,802 |
| Loan and lease loss provision to assets | 0.0311% | 3,657 |
| Net operating income to assets | 1.5831% | 737 |
| Return on assets (ROA) | 1.6094% | 719 |
| Pretax return on assets | 1.6094% | 1,228 |
| Return on Equity (ROE) | 19.1862% | 349 |
| Retained earnings to average equity (ytd only) | 6.0288% | 2,306 |
| Net charge-offs to loans | 0.0342% | 3,526 |
| Credit loss provision to net charge-offs | 323.5294% | 807 |
| Earnings coverage of net charge-offs (x) | 167.7647% | 373 |
| Efficiency ratio | 55.5936% | 5,784 |
| Assets per employee ($millions) | 5.2204% | 1,948 |
| Cash dividends to net income (ytd only)* | 68.5775% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 2,070 |
| Loan loss allowance to noncurrent loans | 1,175.8503% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 6,010 |
| Noncurrent loans to loans | 0.1465% | 5,566 |
| Net loans and leases to total assets | 27.1822% | 6,388 |
| Net loans and leases to deposits | 34.0598% | 6,344 |
| Net loans and leases to core deposits | 39.4678% | 6,234 |
| Total domestic deposits to total assets | 79.8072% | 5,284 |
| Equity capital to assets | 8.8994% | 5,413 |
| Core capital (leverage) ratio | 8.9560% | 5,086 |
| Tier 1 risk-based capital ratio | 23.0148% | 1,105 |
| Total risk-based capital ratio | 24.2661% | 1,090 |
| Memoranda: | ||
| Average total assets | $706,731,330 | 955 |
| Average earning assets | $663,073,330 | 936 |
| Average equity | $59,282,330 | 1,233 |
| Average total loans | $199,113,000 | 2,052 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3430% | 5,763 |
| Cost of funding earning assets | 0.3700% | 4,313 |
| Net interest margin | 2.9730% | 5,589 |
| Noninterest income to average assets | 0.7859% | 1,817 |
| Noninterest expense to average assets | 2.0170% | 5,853 |
| Loan and lease loss provision to assets | 0.0568% | 2,978 |
| Net operating income to assets | 1.5007% | 817 |
| Return on assets (ROA) | 1.5007% | 847 |
| Pretax return on assets | 1.5007% | 1,427 |
| Return on Equity (ROE) | 18.4764% | 401 |
| Retained earnings to average equity (ytd only) | 4.3507% | 3,517 |
| Net charge-offs to loans | 0.0363% | 2,881 |
| Credit loss provision to net charge-offs | 550.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 150.8333% | 323 |
| Efficiency ratio | 56.4275% | 5,804 |
| Assets per employee ($millions) | 5.3603% | 1,846 |
| Cash dividends to net income (ytd only)* | 76.4526% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 2,155 |
| Loan loss allowance to noncurrent loans | 1,078.5047% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 6,086 |
| Noncurrent loans to loans | 0.1632% | 5,596 |
| Net loans and leases to total assets | 27.3159% | 6,436 |
| Net loans and leases to deposits | 33.9172% | 6,373 |
| Net loans and leases to core deposits | 38.6607% | 6,288 |
| Total domestic deposits to total assets | 80.5371% | 5,376 |
| Equity capital to assets | 8.3215% | 5,808 |
| Core capital (leverage) ratio | 8.9284% | 5,104 |
| Tier 1 risk-based capital ratio | 22.7602% | 1,167 |
| Total risk-based capital ratio | 24.0113% | 1,153 |
| Memoranda: | ||
| Average total assets | $697,276,500 | 978 |
| Average earning assets | $654,027,500 | 951 |
| Average equity | $56,634,500 | 1,284 |
| Average total loans | $198,318,500 | 2,065 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4949% | 5,656 |
| Cost of funding earning assets | 0.3901% | 4,755 |
| Net interest margin | 3.1048% | 5,295 |
| Noninterest income to average assets | 0.8977% | 1,685 |
| Noninterest expense to average assets | 2.0095% | 6,011 |
| Loan and lease loss provision to assets | 0.0595% | 3,948 |
| Net operating income to assets | 1.7364% | 542 |
| Return on assets (ROA) | 1.7025% | 592 |
| Pretax return on assets | 1.7025% | 946 |
| Return on Equity (ROE) | 19.6040% | 303 |
| Retained earnings to average equity (ytd only) | 6.6473% | 1,596 |
| Net charge-offs to loans | 0.1078% | 3,753 |
| Credit loss provision to net charge-offs | 197.1698% | 1,162 |
| Earnings coverage of net charge-offs (x) | 59.4764% | 691 |
| Efficiency ratio | 52.8071% | 6,229 |
| Assets per employee ($millions) | 5.0514% | 2,129 |
| Cash dividends to net income (ytd only)* | 66.0922% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 2,429 |
| Loan loss allowance to noncurrent loans | 1,165.8621% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 6,163 |
| Noncurrent loans to loans | 0.1451% | 5,761 |
| Net loans and leases to total assets | 28.6055% | 6,505 |
| Net loans and leases to deposits | 36.3069% | 6,415 |
| Net loans and leases to core deposits | 40.8881% | 6,335 |
| Total domestic deposits to total assets | 78.7880% | 5,690 |
| Equity capital to assets | 7.9170% | 6,077 |
| Core capital (leverage) ratio | 9.0081% | 4,992 |
| Tier 1 risk-based capital ratio | 22.8230% | 1,124 |
| Total risk-based capital ratio | 24.0741% | 1,100 |
| Memoranda: | ||
| Average total assets | $702,099,400 | 940 |
| Average earning assets | $657,531,200 | 918 |
| Average equity | $60,972,400 | 1,179 |
| Average total loans | $196,736,200 | 2,029 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4565% | 5,776 |
| Cost of funding earning assets | 0.3882% | 4,917 |
| Net interest margin | 3.0683% | 5,406 |
| Noninterest income to average assets | 0.9057% | 1,740 |
| Noninterest expense to average assets | 1.9931% | 6,018 |
| Loan and lease loss provision to assets | 0.0697% | 3,671 |
| Net operating income to assets | 1.7164% | 612 |
| Return on assets (ROA) | 1.7224% | 635 |
| Pretax return on assets | 1.7224% | 1,053 |
| Return on Equity (ROE) | 19.4166% | 343 |
| Retained earnings to average equity (ytd only) | 6.8541% | 1,945 |
| Net charge-offs to loans | 0.1204% | 3,343 |
| Credit loss provision to net charge-offs | 208.4746% | 1,161 |
| Earnings coverage of net charge-offs (x) | 53.4246% | 825 |
| Efficiency ratio | 52.7389% | 6,202 |
| Assets per employee ($millions) | 5.0861% | 2,066 |
| Cash dividends to net income (ytd only)* | 64.7001% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 2,656 |
| Loan loss allowance to noncurrent loans | 890.7407% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 6,208 |
| Noncurrent loans to loans | 0.1898% | 5,767 |
| Net loans and leases to total assets | 27.9019% | 6,599 |
| Net loans and leases to deposits | 35.9494% | 6,511 |
| Net loans and leases to core deposits | 40.8946% | 6,421 |
| Total domestic deposits to total assets | 77.6143% | 5,957 |
| Equity capital to assets | 8.1943% | 6,008 |
| Core capital (leverage) ratio | 8.7805% | 5,438 |
| Tier 1 risk-based capital ratio | 22.4365% | 1,240 |
| Total risk-based capital ratio | 23.6871% | 1,216 |
| Memoranda: | ||
| Average total assets | $705,877,500 | 943 |
| Average earning assets | $661,076,000 | 920 |
| Average equity | $62,618,250 | 1,158 |
| Average total loans | $195,946,000 | 2,043 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4206% | 5,858 |
| Cost of funding earning assets | 0.3854% | 5,077 |
| Net interest margin | 3.0353% | 5,483 |
| Noninterest income to average assets | 0.9157% | 1,761 |
| Noninterest expense to average assets | 1.9986% | 6,049 |
| Loan and lease loss provision to assets | 0.0707% | 3,621 |
| Net operating income to assets | 1.6909% | 633 |
| Return on assets (ROA) | 1.6999% | 676 |
| Pretax return on assets | 1.6999% | 1,115 |
| Return on Equity (ROE) | 18.6910% | 409 |
| Retained earnings to average equity (ytd only) | 6.5641% | 2,112 |
| Net charge-offs to loans | 0.0955% | 3,409 |
| Credit loss provision to net charge-offs | 268.8172% | 940 |
| Earnings coverage of net charge-offs (x) | 66.9785% | 657 |
| Efficiency ratio | 53.1513% | 6,209 |
| Assets per employee ($millions) | 5.0779% | 2,023 |
| Cash dividends to net income (ytd only)* | 64.8811% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 2,776 |
| Loan loss allowance to noncurrent loans | 776.6900% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 6,232 |
| Noncurrent loans to loans | 0.2191% | 5,757 |
| Net loans and leases to total assets | 27.4653% | 6,644 |
| Net loans and leases to deposits | 34.8144% | 6,584 |
| Net loans and leases to core deposits | 39.9773% | 6,476 |
| Total domestic deposits to total assets | 78.8906% | 5,819 |
| Equity capital to assets | 8.2563% | 6,009 |
| Core capital (leverage) ratio | 8.5607% | 5,594 |
| Tier 1 risk-based capital ratio | 22.0189% | 1,278 |
| Total risk-based capital ratio | 23.2698% | 1,259 |
| Memoranda: | ||
| Average total assets | $707,210,670 | 943 |
| Average earning assets | $662,745,000 | 914 |
| Average equity | $64,319,670 | 1,132 |
| Average total loans | $194,860,000 | 2,056 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3249% | 6,103 |
| Cost of funding earning assets | 0.3827% | 5,256 |
| Net interest margin | 2.9422% | 5,724 |
| Noninterest income to average assets | 0.9301% | 1,658 |
| Noninterest expense to average assets | 2.0016% | 6,103 |
| Loan and lease loss provision to assets | 0.0822% | 3,280 |
| Net operating income to assets | 1.6035% | 705 |
| Return on assets (ROA) | 1.6035% | 767 |
| Pretax return on assets | 1.6035% | 1,300 |
| Return on Equity (ROE) | 16.8642% | 523 |
| Retained earnings to average equity (ytd only) | 5.0214% | 3,215 |
| Net charge-offs to loans | 0.0761% | 3,082 |
| Credit loss provision to net charge-offs | 394.5946% | 645 |
| Earnings coverage of net charge-offs (x) | 80.9189% | 460 |
| Efficiency ratio | 54.2831% | 6,205 |
| Assets per employee ($millions) | 5.4470% | 1,712 |
| Cash dividends to net income (ytd only)* | 70.2247% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7292% | 2,880 |
| Loan loss allowance to noncurrent loans | 473.8817% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 6,292 |
| Noncurrent loans to loans | 0.3649% | 5,488 |
| Net loans and leases to total assets | 25.7616% | 6,737 |
| Net loans and leases to deposits | 32.3702% | 6,679 |
| Net loans and leases to core deposits | 37.2903% | 6,587 |
| Total domestic deposits to total assets | 79.5841% | 5,843 |
| Equity capital to assets | 9.2707% | 5,174 |
| Core capital (leverage) ratio | 8.6605% | 5,377 |
| Tier 1 risk-based capital ratio | 21.8479% | 1,360 |
| Total risk-based capital ratio | 23.0990% | 1,333 |
| Memoranda: | ||
| Average total assets | $710,439,500 | 949 |
| Average earning assets | $665,763,500 | 914 |
| Average equity | $67,551,500 | 1,079 |
| Average total loans | $194,392,000 | 2,071 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6597% | 6,119 |
| Cost of funding earning assets | 0.4468% | 5,605 |
| Net interest margin | 3.2129% | 5,539 |
| Noninterest income to average assets | 0.8920% | 1,892 |
| Noninterest expense to average assets | 2.1501% | 6,022 |
| Loan and lease loss provision to assets | 0.0643% | 4,958 |
| Net operating income to assets | 1.6705% | 657 |
| Return on assets (ROA) | 1.5534% | 905 |
| Pretax return on assets | 1.5534% | 1,507 |
| Return on Equity (ROE) | 15.9494% | 673 |
| Retained earnings to average equity (ytd only) | 3.8390% | 3,499 |
| Net charge-offs to loans | 0.2348% | 3,528 |
| Credit loss provision to net charge-offs | 95.6140% | 3,249 |
| Earnings coverage of net charge-offs (x) | 25.8026% | 1,124 |
| Efficiency ratio | 55.3456% | 6,131 |
| Assets per employee ($millions) | 5.1972% | 1,989 |
| Cash dividends to net income (ytd only)* | 75.9301% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 3,333 |
| Loan loss allowance to noncurrent loans | 558.9789% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 6,184 |
| Noncurrent loans to loans | 0.2856% | 5,766 |
| Net loans and leases to total assets | 28.0998% | 6,760 |
| Net loans and leases to deposits | 34.5354% | 6,725 |
| Net loans and leases to core deposits | 40.4161% | 6,598 |
| Total domestic deposits to total assets | 81.3652% | 5,285 |
| Equity capital to assets | 9.7556% | 4,522 |
| Core capital (leverage) ratio | 8.6879% | 5,343 |
| Tier 1 risk-based capital ratio | 20.3561% | 1,593 |
| Total risk-based capital ratio | 21.5810% | 1,570 |
| Memoranda: | ||
| Average total assets | $678,257,000 | 966 |
| Average earning assets | $631,806,600 | 949 |
| Average equity | $66,058,800 | 1,071 |
| Average total loans | $194,194,200 | 2,057 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7223% | 6,189 |
| Cost of funding earning assets | 0.4581% | 5,733 |
| Net interest margin | 3.2642% | 5,499 |
| Noninterest income to average assets | 0.9096% | 1,796 |
| Noninterest expense to average assets | 2.1653% | 6,026 |
| Loan and lease loss provision to assets | 0.0756% | 4,704 |
| Net operating income to assets | 1.7077% | 674 |
| Return on assets (ROA) | 1.6242% | 883 |
| Pretax return on assets | 1.6242% | 1,495 |
| Return on Equity (ROE) | 16.6835% | 644 |
| Retained earnings to average equity (ytd only) | 4.4865% | 3,739 |
| Net charge-offs to loans | 0.2818% | 3,036 |
| Credit loss provision to net charge-offs | 93.6275% | 3,190 |
| Earnings coverage of net charge-offs (x) | 22.0856% | 1,367 |
| Efficiency ratio | 54.8366% | 6,161 |
| Assets per employee ($millions) | 5.2173% | 1,918 |
| Cash dividends to net income (ytd only)* | 73.1083% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 3,393 |
| Loan loss allowance to noncurrent loans | 708.9485% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 6,319 |
| Noncurrent loans to loans | 0.2306% | 6,031 |
| Net loans and leases to total assets | 27.6883% | 6,884 |
| Net loans and leases to deposits | 34.3149% | 6,857 |
| Net loans and leases to core deposits | 40.4885% | 6,725 |
| Total domestic deposits to total assets | 80.6889% | 5,455 |
| Equity capital to assets | 9.9468% | 4,574 |
| Core capital (leverage) ratio | 8.5403% | 5,699 |
| Tier 1 risk-based capital ratio | 21.2142% | 1,476 |
| Total risk-based capital ratio | 22.4646% | 1,442 |
| Memoranda: | ||
| Average total assets | $673,714,250 | 979 |
| Average earning assets | $627,233,250 | 967 |
| Average equity | $65,588,250 | 1,083 |
| Average total loans | $193,025,250 | 2,094 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8065% | 6,128 |
| Cost of funding earning assets | 0.4675% | 5,847 |
| Net interest margin | 3.3390% | 5,311 |
| Noninterest income to average assets | 0.9026% | 1,778 |
| Noninterest expense to average assets | 2.2078% | 5,986 |
| Loan and lease loss provision to assets | 0.0685% | 4,770 |
| Net operating income to assets | 1.7346% | 628 |
| Return on assets (ROA) | 1.6503% | 837 |
| Pretax return on assets | 1.6503% | 1,398 |
| Return on Equity (ROE) | 17.0791% | 627 |
| Retained earnings to average equity (ytd only) | 4.6985% | 3,485 |
| Net charge-offs to loans | 0.3331% | 2,692 |
| Credit loss provision to net charge-offs | 71.3396% | 3,529 |
| Earnings coverage of net charge-offs (x) | 18.7819% | 1,467 |
| Efficiency ratio | 55.0444% | 6,224 |
| Assets per employee ($millions) | 5.0149% | 2,167 |
| Cash dividends to net income (ytd only)* | 72.4900% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 3,593 |
| Loan loss allowance to noncurrent loans | 437.0423% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 6,367 |
| Noncurrent loans to loans | 0.3669% | 5,808 |
| Net loans and leases to total assets | 27.7147% | 6,938 |
| Net loans and leases to deposits | 34.2360% | 6,916 |
| Net loans and leases to core deposits | 40.5595% | 6,786 |
| Total domestic deposits to total assets | 80.9518% | 5,482 |
| Equity capital to assets | 9.6471% | 4,841 |
| Core capital (leverage) ratio | 8.5511% | 5,579 |
| Tier 1 risk-based capital ratio | 20.2265% | 1,654 |
| Total risk-based capital ratio | 21.4459% | 1,629 |
| Memoranda: | ||
| Average total assets | $668,723,330 | 986 |
| Average earning assets | $622,518,670 | 969 |
| Average equity | $64,617,000 | 1,092 |
| Average total loans | $192,748,670 | 2,095 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8525% | 6,135 |
| Cost of funding earning assets | 0.4797% | 5,943 |
| Net interest margin | 3.3728% | 5,232 |
| Noninterest income to average assets | 0.8806% | 1,830 |
| Noninterest expense to average assets | 2.2451% | 5,921 |
| Loan and lease loss provision to assets | 0.0370% | 4,920 |
| Net operating income to assets | 1.7369% | 678 |
| Return on assets (ROA) | 1.6653% | 857 |
| Pretax return on assets | 1.6653% | 1,389 |
| Return on Equity (ROE) | 17.2202% | 636 |
| Retained earnings to average equity (ytd only) | 4.6782% | 3,760 |
| Net charge-offs to loans | 0.0062% | 4,660 |
| Credit loss provision to net charge-offs | 2,033.3333% | 155 |
| Earnings coverage of net charge-offs (x) | 975.0000% | 18 |
| Efficiency ratio | 55.8624% | 6,137 |
| Assets per employee ($millions) | 4.9930% | 2,265 |
| Cash dividends to net income (ytd only)* | 72.8332% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7348% | 3,211 |
| Loan loss allowance to noncurrent loans | 201.6739% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 5,938 |
| Noncurrent loans to loans | 0.8602% | 4,951 |
| Net loans and leases to total assets | 27.3361% | 6,996 |
| Net loans and leases to deposits | 33.8560% | 6,956 |
| Net loans and leases to core deposits | 39.4927% | 6,834 |
| Total domestic deposits to total assets | 80.7422% | 5,665 |
| Equity capital to assets | 9.4085% | 4,948 |
| Core capital (leverage) ratio | 8.6792% | 5,338 |
| Tier 1 risk-based capital ratio | 20.2051% | 1,656 |
| Total risk-based capital ratio | 21.4558% | 1,630 |
| Memoranda: | ||
| Average total assets | $659,561,500 | 1,000 |
| Average earning assets | $613,738,000 | 976 |
| Average equity | $63,785,500 | 1,103 |
| Average total loans | $192,365,000 | 2,106 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 5,556 |
| Cost of funding earning assets | 0.5930% | 6,117 |
| Net interest margin | 3.7707% | 3,977 |
| Noninterest income to average assets | 0.9955% | 1,379 |
| Noninterest expense to average assets | 2.3281% | 5,978 |
| Loan and lease loss provision to assets | 0.1364% | 4,917 |
| Net operating income to assets | 2.0191% | 297 |
| Return on assets (ROA) | 1.6703% | 621 |
| Pretax return on assets | 1.6703% | 1,058 |
| Return on Equity (ROE) | 17.4468% | 431 |
| Retained earnings to average equity (ytd only) | 8.2355% | 1,004 |
| Net charge-offs to loans | 0.7047% | 2,396 |
| Credit loss provision to net charge-offs | 57.8656% | 5,228 |
| Earnings coverage of net charge-offs (x) | 9.1469% | 2,032 |
| Efficiency ratio | 51.9250% | 6,706 |
| Assets per employee ($millions) | 4.8869% | 2,335 |
| Cash dividends to net income (ytd only)* | 52.7962% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6201% | 3,514 |
| Loan loss allowance to noncurrent loans | 161.6903% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 5,841 |
| Noncurrent loans to loans | 1.0019% | 4,700 |
| Net loans and leases to total assets | 30.0777% | 7,005 |
| Net loans and leases to deposits | 37.5519% | 6,961 |
| Net loans and leases to core deposits | 43.6521% | 6,827 |
| Total domestic deposits to total assets | 80.0964% | 5,718 |
| Equity capital to assets | 9.9450% | 4,233 |
| Core capital (leverage) ratio | 8.7965% | 5,108 |
| Tier 1 risk-based capital ratio | 19.4935% | 1,762 |
| Total risk-based capital ratio | 20.7299% | 1,734 |
| Memoranda: | ||
| Average total assets | $612,353,800 | 1,063 |
| Average earning assets | $566,442,400 | 1,047 |
| Average equity | $58,624,000 | 1,158 |
| Average total loans | $204,766,200 | 1,997 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4684% | 5,352 |
| Cost of funding earning assets | 0.6141% | 6,218 |
| Net interest margin | 3.8542% | 3,590 |
| Noninterest income to average assets | 1.0092% | 1,315 |
| Noninterest expense to average assets | 2.3732% | 5,838 |
| Loan and lease loss provision to assets | 0.1176% | 4,967 |
| Net operating income to assets | 2.0790% | 302 |
| Return on assets (ROA) | 1.6096% | 831 |
| Pretax return on assets | 1.6096% | 1,359 |
| Return on Equity (ROE) | 16.9894% | 566 |
| Retained earnings to average equity (ytd only) | 4.4116% | 3,588 |
| Net charge-offs to loans | 0.2077% | 4,137 |
| Credit loss provision to net charge-offs | 165.5280% | 1,841 |
| Earnings coverage of net charge-offs (x) | 30.9132% | 916 |
| Efficiency ratio | 51.9316% | 6,681 |
| Assets per employee ($millions) | 4.7855% | 2,491 |
| Cash dividends to net income (ytd only)* | 74.0335% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0023% | 2,330 |
| Loan loss allowance to noncurrent loans | 119.6780% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 5,460 |
| Noncurrent loans to loans | 1.6730% | 3,795 |
| Net loans and leases to total assets | 31.1008% | 7,052 |
| Net loans and leases to deposits | 37.9580% | 7,036 |
| Net loans and leases to core deposits | 44.6089% | 6,901 |
| Total domestic deposits to total assets | 81.9349% | 5,115 |
| Equity capital to assets | 9.9234% | 4,442 |
| Core capital (leverage) ratio | 8.6419% | 5,490 |
| Tier 1 risk-based capital ratio | 18.7746% | 2,001 |
| Total risk-based capital ratio | 20.0284% | 1,964 |
| Memoranda: | ||
| Average total assets | $604,176,000 | 1,089 |
| Average earning assets | $558,162,000 | 1,071 |
| Average equity | $57,242,000 | 1,185 |
| Average total loans | $206,653,750 | 2,007 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 5,104 |
| Cost of funding earning assets | 0.6397% | 6,276 |
| Net interest margin | 3.9293% | 3,172 |
| Noninterest income to average assets | 1.0013% | 1,313 |
| Noninterest expense to average assets | 2.4265% | 5,761 |
| Loan and lease loss provision to assets | 0.1237% | 4,740 |
| Net operating income to assets | 2.0722% | 310 |
| Return on assets (ROA) | 1.4292% | 1,087 |
| Pretax return on assets | 1.4292% | 1,725 |
| Return on Equity (ROE) | 15.3425% | 740 |
| Retained earnings to average equity (ytd only) | 2.3526% | 4,789 |
| Net charge-offs to loans | 0.2376% | 3,699 |
| Credit loss provision to net charge-offs | 148.3871% | 2,061 |
| Earnings coverage of net charge-offs (x) | 26.3427% | 1,017 |
| Efficiency ratio | 52.4942% | 6,756 |
| Assets per employee ($millions) | 4.4727% | 2,888 |
| Cash dividends to net income (ytd only)* | 84.6660% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8839% | 2,714 |
| Loan loss allowance to noncurrent loans | 211.3685% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 6,185 |
| Noncurrent loans to loans | 0.8913% | 5,188 |
| Net loans and leases to total assets | 33.8378% | 7,051 |
| Net loans and leases to deposits | 41.4369% | 7,017 |
| Net loans and leases to core deposits | 46.7099% | 6,904 |
| Total domestic deposits to total assets | 81.6611% | 5,289 |
| Equity capital to assets | 9.5316% | 4,765 |
| Core capital (leverage) ratio | 8.5441% | 5,486 |
| Tier 1 risk-based capital ratio | 18.0055% | 2,173 |
| Total risk-based capital ratio | 19.2588% | 2,127 |
| Memoranda: | ||
| Average total assets | $595,005,670 | 1,119 |
| Average earning assets | $548,341,670 | 1,104 |
| Average equity | $55,427,670 | 1,210 |
| Average total loans | $208,713,670 | 2,013 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 5,580 |
| Cost of funding earning assets | 0.6750% | 6,273 |
| Net interest margin | 3.7566% | 3,815 |
| Noninterest income to average assets | 0.9685% | 1,413 |
| Noninterest expense to average assets | 2.5560% | 5,365 |
| Loan and lease loss provision to assets | 0.1355% | 4,314 |
| Net operating income to assets | 1.7487% | 537 |
| Return on assets (ROA) | 1.7074% | 603 |
| Pretax return on assets | 1.7074% | 971 |
| Return on Equity (ROE) | 18.5487% | 433 |
| Retained earnings to average equity (ytd only) | 5.3049% | 3,004 |
| Net charge-offs to loans | 0.2929% | 2,882 |
| Credit loss provision to net charge-offs | 130.7190% | 2,117 |
| Earnings coverage of net charge-offs (x) | 18.1830% | 1,194 |
| Efficiency ratio | 57.5656% | 6,318 |
| Assets per employee ($millions) | 4.5517% | 2,804 |
| Cash dividends to net income (ytd only)* | 71.4002% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8502% | 2,854 |
| Loan loss allowance to noncurrent loans | 190.8775% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 6,190 |
| Noncurrent loans to loans | 0.9693% | 5,105 |
| Net loans and leases to total assets | 33.9938% | 7,092 |
| Net loans and leases to deposits | 41.4713% | 7,041 |
| Net loans and leases to core deposits | 45.5344% | 6,989 |
| Total domestic deposits to total assets | 81.9694% | 5,328 |
| Equity capital to assets | 9.1695% | 4,921 |
| Core capital (leverage) ratio | 8.7443% | 5,007 |
| Tier 1 risk-based capital ratio | 17.8326% | 2,172 |
| Total risk-based capital ratio | 19.0856% | 2,137 |
| Memoranda: | ||
| Average total assets | $590,603,500 | 1,132 |
| Average earning assets | $545,812,000 | 1,117 |
| Average equity | $54,365,000 | 1,230 |
| Average total loans | $208,951,000 | 2,023 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7624% | 5,571 |
| Cost of funding earning assets | 0.8017% | 6,564 |
| Net interest margin | 3.9607% | 3,210 |
| Noninterest income to average assets | 1.1424% | 1,134 |
| Noninterest expense to average assets | 2.5367% | 5,660 |
| Loan and lease loss provision to assets | 0.1314% | 5,857 |
| Net operating income to assets | 2.1241% | 223 |
| Return on assets (ROA) | 1.8804% | 375 |
| Pretax return on assets | 1.8804% | 639 |
| Return on Equity (ROE) | 19.4664% | 286 |
| Retained earnings to average equity (ytd only) | 5.8661% | 1,902 |
| Net charge-offs to loans | 0.2627% | 4,724 |
| Credit loss provision to net charge-offs | 135.7143% | 2,851 |
| Earnings coverage of net charge-offs (x) | 23.3000% | 907 |
| Efficiency ratio | 52.9344% | 6,900 |
| Assets per employee ($millions) | 4.2992% | 3,210 |
| Cash dividends to net income (ytd only)* | 69.8658% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8126% | 2,824 |
| Loan loss allowance to noncurrent loans | 161.9676% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 6,085 |
| Noncurrent loans to loans | 1.1191% | 4,869 |
| Net loans and leases to total assets | 35.4948% | 7,181 |
| Net loans and leases to deposits | 43.4483% | 7,139 |
| Net loans and leases to core deposits | 48.0118% | 7,066 |
| Total domestic deposits to total assets | 81.6943% | 5,294 |
| Equity capital to assets | 9.2417% | 4,770 |
| Core capital (leverage) ratio | 8.7268% | 4,972 |
| Tier 1 risk-based capital ratio | 17.7828% | 2,070 |
| Total risk-based capital ratio | 19.0361% | 2,031 |
| Memoranda: | ||
| Average total assets | $578,508,400 | 1,163 |
| Average earning assets | $533,089,000 | 1,147 |
| Average equity | $55,880,800 | 1,189 |
| Average total loans | $213,205,400 | 2,034 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7909% | 5,702 |
| Cost of funding earning assets | 0.8145% | 6,714 |
| Net interest margin | 3.9763% | 3,203 |
| Noninterest income to average assets | 1.1759% | 1,005 |
| Noninterest expense to average assets | 2.5866% | 5,374 |
| Loan and lease loss provision to assets | 0.1534% | 5,506 |
| Net operating income to assets | 2.0988% | 286 |
| Return on assets (ROA) | 2.0778% | 318 |
| Pretax return on assets | 2.0778% | 532 |
| Return on Equity (ROE) | 21.2793% | 238 |
| Retained earnings to average equity (ytd only) | 9.2318% | 983 |
| Net charge-offs to loans | 0.2791% | 4,273 |
| Credit loss provision to net charge-offs | 148.4375% | 2,633 |
| Earnings coverage of net charge-offs (x) | 21.7946% | 1,120 |
| Efficiency ratio | 53.4560% | 6,837 |
| Assets per employee ($millions) | 4.5200% | 2,874 |
| Cash dividends to net income (ytd only)* | 56.6163% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8217% | 2,716 |
| Loan loss allowance to noncurrent loans | 180.8239% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 6,230 |
| Noncurrent loans to loans | 1.0075% | 5,222 |
| Net loans and leases to total assets | 35.0267% | 7,306 |
| Net loans and leases to deposits | 43.3911% | 7,258 |
| Net loans and leases to core deposits | 48.1826% | 7,194 |
| Total domestic deposits to total assets | 80.7232% | 5,473 |
| Equity capital to assets | 10.2538% | 3,818 |
| Core capital (leverage) ratio | 8.8453% | 4,930 |
| Tier 1 risk-based capital ratio | 18.0673% | 2,012 |
| Total risk-based capital ratio | 19.3206% | 1,968 |
| Memoranda: | ||
| Average total assets | $578,038,250 | 1,173 |
| Average earning assets | $532,470,750 | 1,160 |
| Average equity | $56,441,500 | 1,177 |
| Average total loans | $214,054,000 | 2,057 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 5,787 |
| Cost of funding earning assets | 0.8234% | 6,838 |
| Net interest margin | 3.9816% | 3,108 |
| Noninterest income to average assets | 1.1909% | 911 |
| Noninterest expense to average assets | 2.5586% | 5,493 |
| Loan and lease loss provision to assets | 0.1687% | 5,189 |
| Net operating income to assets | 2.1296% | 263 |
| Return on assets (ROA) | 2.1188% | 296 |
| Pretax return on assets | 2.1188% | 476 |
| Return on Equity (ROE) | 22.0765% | 207 |
| Retained earnings to average equity (ytd only) | 10.2951% | 783 |
| Net charge-offs to loans | 0.3628% | 3,540 |
| Credit loss provision to net charge-offs | 124.0409% | 3,263 |
| Earnings coverage of net charge-offs (x) | 16.8951% | 1,383 |
| Efficiency ratio | 52.6791% | 7,011 |
| Assets per employee ($millions) | 4.4444% | 2,973 |
| Cash dividends to net income (ytd only)* | 53.3662% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7357% | 2,947 |
| Loan loss allowance to noncurrent loans | 143.6844% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 6,353 |
| Noncurrent loans to loans | 1.2080% | 4,947 |
| Net loans and leases to total assets | 35.6758% | 7,363 |
| Net loans and leases to deposits | 43.6056% | 7,334 |
| Net loans and leases to core deposits | 48.4069% | 7,266 |
| Total domestic deposits to total assets | 81.8146% | 5,060 |
| Equity capital to assets | 9.8970% | 4,146 |
| Core capital (leverage) ratio | 8.7764% | 4,960 |
| Tier 1 risk-based capital ratio | 17.7159% | 2,025 |
| Total risk-based capital ratio | 18.9683% | 1,998 |
| Memoranda: | ||
| Average total assets | $574,851,670 | 1,184 |
| Average earning assets | $529,289,000 | 1,168 |
| Average equity | $55,171,670 | 1,198 |
| Average total loans | $215,527,000 | 2,074 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 6,038 |
| Cost of funding earning assets | 0.8325% | 6,990 |
| Net interest margin | 3.9271% | 3,212 |
| Noninterest income to average assets | 1.1607% | 916 |
| Noninterest expense to average assets | 2.5753% | 5,454 |
| Loan and lease loss provision to assets | 0.1582% | 4,951 |
| Net operating income to assets | 2.0389% | 328 |
| Return on assets (ROA) | 2.0740% | 335 |
| Pretax return on assets | 2.0740% | 528 |
| Return on Equity (ROE) | 21.9631% | 271 |
| Retained earnings to average equity (ytd only) | 10.7954% | 960 |
| Net charge-offs to loans | 0.5351% | 2,465 |
| Credit loss provision to net charge-offs | 77.5862% | 3,942 |
| Earnings coverage of net charge-offs (x) | 10.7759% | 1,714 |
| Efficiency ratio | 53.9629% | 6,977 |
| Assets per employee ($millions) | 4.4079% | 3,113 |
| Cash dividends to net income (ytd only)* | 50.8475% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 3,218 |
| Loan loss allowance to noncurrent loans | 98.0599% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 5,955 |
| Noncurrent loans to loans | 1.6902% | 4,210 |
| Net loans and leases to total assets | 36.3555% | 7,414 |
| Net loans and leases to deposits | 44.2660% | 7,395 |
| Net loans and leases to core deposits | 49.1393% | 7,317 |
| Total domestic deposits to total assets | 82.1296% | 5,025 |
| Equity capital to assets | 9.4766% | 4,571 |
| Core capital (leverage) ratio | 8.7684% | 4,903 |
| Tier 1 risk-based capital ratio | 17.1542% | 2,214 |
| Total risk-based capital ratio | 18.4062% | 2,167 |
| Memoranda: | ||
| Average total assets | $568,945,500 | 1,227 |
| Average earning assets | $523,238,500 | 1,212 |
| Average equity | $53,726,500 | 1,244 |
| Average total loans | $216,793,500 | 2,105 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2183% | 5,567 |
| Cost of funding earning assets | 1.0258% | 7,158 |
| Net interest margin | 4.1925% | 2,095 |
| Noninterest income to average assets | 1.2851% | 912 |
| Noninterest expense to average assets | 2.6732% | 5,507 |
| Loan and lease loss provision to assets | 0.1482% | 6,178 |
| Net operating income to assets | 2.3136% | 117 |
| Return on assets (ROA) | 2.2823% | 135 |
| Pretax return on assets | 2.2823% | 232 |
| Return on Equity (ROE) | 26.7186% | 76 |
| Retained earnings to average equity (ytd only) | 12.4346% | 185 |
| Net charge-offs to loans | 0.1119% | 6,039 |
| Credit loss provision to net charge-offs | 320.3125% | 1,018 |
| Earnings coverage of net charge-offs (x) | 53.1992% | 490 |
| Efficiency ratio | 52.0576% | 7,378 |
| Assets per employee ($millions) | 4.0909% | 3,636 |
| Cash dividends to net income (ytd only)* | 53.4611% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 3,142 |
| Loan loss allowance to noncurrent loans | 89.3601% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 5,670 |
| Noncurrent loans to loans | 1.8317% | 3,881 |
| Net loans and leases to total assets | 38.6322% | 7,425 |
| Net loans and leases to deposits | 47.6664% | 7,370 |
| Net loans and leases to core deposits | 53.9043% | 7,469 |
| Total domestic deposits to total assets | 81.0470% | 5,332 |
| Equity capital to assets | 9.4087% | 4,540 |
| Core capital (leverage) ratio | 8.6818% | 4,953 |
| Tier 1 risk-based capital ratio | 16.3861% | 2,361 |
| Total risk-based capital ratio | 17.6380% | 2,312 |
| Memoranda: | ||
| Average total assets | $553,202,800 | 1,254 |
| Average earning assets | $508,000,000 | 1,240 |
| Average equity | $47,255,400 | 1,421 |
| Average total loans | $228,825,600 | 2,033 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2877% | 5,498 |
| Cost of funding earning assets | 1.0541% | 7,280 |
| Net interest margin | 4.2336% | 1,932 |
| Noninterest income to average assets | 1.2859% | 932 |
| Noninterest expense to average assets | 2.7194% | 5,247 |
| Loan and lease loss provision to assets | 0.1161% | 6,205 |
| Net operating income to assets | 2.3390% | 142 |
| Return on assets (ROA) | 2.2972% | 168 |
| Pretax return on assets | 2.2972% | 291 |
| Return on Equity (ROE) | 27.6038% | 82 |
| Retained earnings to average equity (ytd only) | 13.8019% | 205 |
| Net charge-offs to loans | 0.1137% | 5,544 |
| Credit loss provision to net charge-offs | 243.6548% | 1,783 |
| Earnings coverage of net charge-offs (x) | 51.5381% | 615 |
| Efficiency ratio | 52.5539% | 7,364 |
| Assets per employee ($millions) | 4.0295% | 3,668 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 3,117 |
| Loan loss allowance to noncurrent loans | 102.3290% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 5,881 |
| Noncurrent loans to loans | 1.5355% | 4,340 |
| Net loans and leases to total assets | 40.1798% | 7,460 |
| Net loans and leases to deposits | 50.2121% | 7,400 |
| Net loans and leases to core deposits | 57.3292% | 7,494 |
| Total domestic deposits to total assets | 80.0202% | 5,427 |
| Equity capital to assets | 9.7707% | 4,394 |
| Core capital (leverage) ratio | 8.3582% | 5,737 |
| Tier 1 risk-based capital ratio | 16.0610% | 2,604 |
| Total risk-based capital ratio | 17.3117% | 2,539 |
| Memoranda: | ||
| Average total assets | $551,388,500 | 1,269 |
| Average earning assets | $506,447,750 | 1,255 |
| Average equity | $45,886,250 | 1,494 |
| Average total loans | $231,001,750 | 2,051 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3492% | 5,401 |
| Cost of funding earning assets | 1.0810% | 7,410 |
| Net interest margin | 4.2681% | 1,756 |
| Noninterest income to average assets | 1.2510% | 979 |
| Noninterest expense to average assets | 2.7170% | 5,318 |
| Loan and lease loss provision to assets | 0.0869% | 6,299 |
| Net operating income to assets | 2.3659% | 140 |
| Return on assets (ROA) | 2.3033% | 176 |
| Pretax return on assets | 2.3033% | 297 |
| Return on Equity (ROE) | 29.3677% | 78 |
| Retained earnings to average equity (ytd only) | 15.5215% | 182 |
| Net charge-offs to loans | 0.1114% | 5,045 |
| Credit loss provision to net charge-offs | 184.6154% | 2,481 |
| Earnings coverage of net charge-offs (x) | 52.1231% | 669 |
| Efficiency ratio | 52.5557% | 7,473 |
| Assets per employee ($millions) | 4.0841% | 3,528 |
| Cash dividends to net income (ytd only)* | 47.1476% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 3,535 |
| Loan loss allowance to noncurrent loans | 359.7222% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 7,128 |
| Noncurrent loans to loans | 0.3994% | 6,510 |
| Net loans and leases to total assets | 41.2805% | 7,490 |
| Net loans and leases to deposits | 50.8434% | 7,447 |
| Net loans and leases to core deposits | 57.1478% | 7,549 |
| Total domestic deposits to total assets | 81.1914% | 5,003 |
| Equity capital to assets | 8.7249% | 5,716 |
| Core capital (leverage) ratio | 7.8648% | 6,536 |
| Tier 1 risk-based capital ratio | 14.7905% | 3,104 |
| Total risk-based capital ratio | 15.9901% | 3,063 |
| Memoranda: | ||
| Average total assets | $552,513,330 | 1,283 |
| Average earning assets | $507,294,330 | 1,270 |
| Average equity | $43,333,330 | 1,571 |
| Average total loans | $233,433,670 | 2,059 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4231% | 5,301 |
| Cost of funding earning assets | 1.1280% | 7,467 |
| Net interest margin | 4.2951% | 1,620 |
| Noninterest income to average assets | 1.2342% | 941 |
| Noninterest expense to average assets | 2.6885% | 5,061 |
| Loan and lease loss provision to assets | 0.0874% | 5,841 |
| Net operating income to assets | 2.3978% | 156 |
| Return on assets (ROA) | 2.2951% | 228 |
| Pretax return on assets | 2.2951% | 369 |
| Return on Equity (ROE) | 31.0414% | 95 |
| Retained earnings to average equity (ytd only) | 21.1870% | 140 |
| Net charge-offs to loans | 0.0893% | 4,279 |
| Credit loss provision to net charge-offs | 230.7692% | 1,980 |
| Earnings coverage of net charge-offs (x) | 65.5962% | 609 |
| Efficiency ratio | 51.9645% | 7,429 |
| Assets per employee ($millions) | 4.0891% | 3,475 |
| Cash dividends to net income (ytd only)* | 31.7460% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 3,407 |
| Loan loss allowance to noncurrent loans | 243.5103% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 6,790 |
| Noncurrent loans to loans | 0.5822% | 5,942 |
| Net loans and leases to total assets | 40.9858% | 7,522 |
| Net loans and leases to deposits | 49.9416% | 7,499 |
| Net loans and leases to core deposits | 56.3291% | 7,600 |
| Total domestic deposits to total assets | 82.0675% | 4,524 |
| Equity capital to assets | 7.5778% | 7,286 |
| Core capital (leverage) ratio | 7.7448% | 6,827 |
| Tier 1 risk-based capital ratio | 14.3263% | 3,414 |
| Total risk-based capital ratio | 15.5087% | 3,381 |
| Memoranda: | ||
| Average total assets | $549,007,000 | 1,293 |
| Average earning assets | $503,552,000 | 1,283 |
| Average equity | $40,591,000 | 1,677 |
| Average total loans | $232,979,500 | 2,072 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7543% | 6,582 |
| Cost of funding earning assets | 1.6133% | 7,420 |
| Net interest margin | 4.1409% | 2,535 |
| Noninterest income to average assets | 1.4245% | 705 |
| Noninterest expense to average assets | 2.5452% | 5,837 |
| Loan and lease loss provision to assets | 0.0339% | 6,981 |
| Net operating income to assets | 2.6167% | 102 |
| Return on assets (ROA) | 1.1865% | 1,746 |
| Pretax return on assets | 1.1865% | 2,694 |
| Return on Equity (ROE) | 15.9941% | 774 |
| Retained earnings to average equity (ytd only) | -2.3052% | 5,954 |
| Net charge-offs to loans | 0.0694% | 5,781 |
| Credit loss provision to net charge-offs | 117.6471% | 4,575 |
| Earnings coverage of net charge-offs (x) | 91.8824% | 459 |
| Efficiency ratio | 48.9857% | 7,735 |
| Assets per employee ($millions) | 3.8971% | 3,743 |
| Cash dividends to net income (ytd only)* | 114.4128% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 3,283 |
| Loan loss allowance to noncurrent loans | 209.5393% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 6,437 |
| Noncurrent loans to loans | 0.6612% | 5,382 |
| Net loans and leases to total assets | 42.7333% | 7,547 |
| Net loans and leases to deposits | 52.4171% | 7,515 |
| Net loans and leases to core deposits | 58.4556% | 7,652 |
| Total domestic deposits to total assets | 81.5255% | 4,395 |
| Equity capital to assets | 7.2015% | 7,625 |
| Core capital (leverage) ratio | 7.5809% | 7,100 |
| Tier 1 risk-based capital ratio | 13.8679% | 3,612 |
| Total risk-based capital ratio | 15.0372% | 3,570 |
| Memoranda: | ||
| Average total assets | $530,364,400 | 1,279 |
| Average earning assets | $483,032,800 | 1,274 |
| Average equity | $39,345,800 | 1,712 |
| Average total loans | $220,325,000 | 2,123 |