Home > The Citizens Bank > Performance and Condition Ratios
The Citizens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0417% | 8 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 204,691.0000% | 9 |
| Cost of funding earning assets | 354.0000% | 13 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.2427% | 1,526 |
| Pretax return on assets | 1.5668% | 1,298 |
| Return on Equity (ROE) | 14.0700% | 1,470 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0639% | 1,214 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 1.2380% | 2,770 |
| Efficiency ratio | 0.0000% | 4,579 |
| Assets per employee ($millions) | 0.7038% | 4,505 |
| Cash dividends to net income (ytd only)* | 156.0000% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 2.0000% | 144 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 20,604.0000% | 8 |
| Total domestic deposits to total assets | 5.0000% | 4,519 |
| Equity capital to assets | 10,734.0000% | 35 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,387,000 | 4,601 |
| Average earning assets | $5,206 | 4,571 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9433% | 1,962 |
| Cost of funding earning assets | 0.8015% | 3,510 |
| Net interest margin | 4.1419% | 1,001 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.8842% | 1,257 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.2774% | 1,590 |
| Return on assets (ROA) | 1.2774% | 1,582 |
| Pretax return on assets | 1.6041% | 1,348 |
| Return on Equity (ROE) | 14.8800% | 1,465 |
| Retained earnings to average equity (ytd only) | 14.8807% | 571 |
| Net charge-offs to loans | 0.0056% | 2,251 |
| Credit loss provision to net charge-offs | 554.5455% | 590 |
| Earnings coverage of net charge-offs (x) | 552.9545% | 285 |
| Efficiency ratio | 60.6703% | 2,891 |
| Assets per employee ($millions) | 5.4130% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 2,833 |
| Loan loss allowance to noncurrent loans | 715.4217% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 2,726 |
| Noncurrent loans to loans | 0.1547% | 2,780 |
| Net loans and leases to total assets | 54.4500% | 3,326 |
| Net loans and leases to deposits | 60.3565% | 3,488 |
| Net loans and leases to core deposits | 61.5332% | 3,631 |
| Total domestic deposits to total assets | 90.2200% | 882 |
| Equity capital to assets | 8.7439% | 2,577 |
| Core capital (leverage) ratio | 8.9088% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2454% | 1,257 |
| Memoranda: | ||
| Average total assets | $986,699,250 | 1,000 |
| Average earning assets | $905,655,500 | 994 |
| Average equity | $84,698,250 | 1,078 |
| Average total loans | $521,236,750 | 1,191 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8475% | 1,890 |
| Cost of funding earning assets | 0.6669% | 3,581 |
| Net interest margin | 4.1807% | 956 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.9043% | 1,200 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.3034% | 1,563 |
| Return on assets (ROA) | 1.3034% | 1,546 |
| Pretax return on assets | 1.6312% | 1,356 |
| Return on Equity (ROE) | 15.2800% | 1,415 |
| Retained earnings to average equity (ytd only) | 15.2770% | 538 |
| Net charge-offs to loans | -0.0147% | 4,037 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.1091% | 2,949 |
| Assets per employee ($millions) | 5.3364% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 2,521 |
| Loan loss allowance to noncurrent loans | 877.9370% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 2,622 |
| Noncurrent loans to loans | 0.1348% | 2,798 |
| Net loans and leases to total assets | 51.8400% | 3,424 |
| Net loans and leases to deposits | 57.4173% | 3,565 |
| Net loans and leases to core deposits | 58.4606% | 3,696 |
| Total domestic deposits to total assets | 90.3000% | 841 |
| Equity capital to assets | 8.7235% | 2,705 |
| Core capital (leverage) ratio | 8.5046% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2295% | 1,505 |
| Memoranda: | ||
| Average total assets | $990,818,000 | 984 |
| Average earning assets | $909,904,000 | 985 |
| Average equity | $84,532,333 | 1,074 |
| Average total loans | $516,150,333 | 1,187 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6414% | 1,991 |
| Cost of funding earning assets | 0.4686% | 3,782 |
| Net interest margin | 4.1729% | 991 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.7137% | 1,637 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.3895% | 1,435 |
| Return on assets (ROA) | 1.3895% | 1,408 |
| Pretax return on assets | 1.8654% | 958 |
| Return on Equity (ROE) | 16.4700% | 1,267 |
| Retained earnings to average equity (ytd only) | 16.4705% | 645 |
| Net charge-offs to loans | -0.0287% | 4,208 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.4974% | 3,244 |
| Assets per employee ($millions) | 5.7607% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 2,635 |
| Loan loss allowance to noncurrent loans | 547.8417% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 2,288 |
| Noncurrent loans to loans | 0.2164% | 2,396 |
| Net loans and leases to total assets | 51.2400% | 3,403 |
| Net loans and leases to deposits | 56.6981% | 3,534 |
| Net loans and leases to core deposits | 57.9053% | 3,635 |
| Total domestic deposits to total assets | 90.3700% | 1,017 |
| Equity capital to assets | 8.6321% | 2,800 |
| Core capital (leverage) ratio | 8.2553% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7309% | 1,430 |
| Memoranda: | ||
| Average total assets | $992,608,000 | 997 |
| Average earning assets | $911,699,500 | 999 |
| Average equity | $83,737,500 | 1,095 |
| Average total loans | $515,245,000 | 1,200 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6174% | 2,751 |
| Cost of funding earning assets | 0.1315% | 4,224 |
| Net interest margin | 3.4859% | 1,971 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.8944% | 1,131 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9236% | 2,872 |
| Return on assets (ROA) | 0.9236% | 2,815 |
| Pretax return on assets | 1.1658% | 2,546 |
| Return on Equity (ROE) | 11.6700% | 2,251 |
| Retained earnings to average equity (ytd only) | 4.6487% | 3,195 |
| Net charge-offs to loans | 0.0493% | 1,181 |
| Credit loss provision to net charge-offs | 113.2075% | 1,492 |
| Earnings coverage of net charge-offs (x) | 50.6085% | 1,351 |
| Efficiency ratio | 69.1251% | 1,807 |
| Assets per employee ($millions) | 5.6822% | 3,047 |
| Cash dividends to net income (ytd only)* | 60.1685% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 3,607 |
| Loan loss allowance to noncurrent loans | 446.8978% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 2,348 |
| Noncurrent loans to loans | 0.2121% | 2,427 |
| Net loans and leases to total assets | 51.4700% | 3,396 |
| Net loans and leases to deposits | 56.6352% | 3,534 |
| Net loans and leases to core deposits | 57.8573% | 3,625 |
| Total domestic deposits to total assets | 90.8800% | 999 |
| Equity capital to assets | 8.2408% | 2,902 |
| Core capital (leverage) ratio | 7.7776% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1981% | 1,900 |
| Memoranda: | ||
| Average total assets | $899,742,600 | 1,079 |
| Average earning assets | $839,025,400 | 1,066 |
| Average equity | $71,203,200 | 1,232 |
| Average total loans | $429,832,400 | 1,312 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2008% | 3,435 |
| Cost of funding earning assets | 0.0943% | 4,325 |
| Net interest margin | 3.1066% | 2,915 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 2.8446% | 1,158 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7469% | 3,426 |
| Return on assets (ROA) | 0.7469% | 3,374 |
| Pretax return on assets | 0.8908% | 3,344 |
| Return on Equity (ROE) | 9.5500% | 2,858 |
| Retained earnings to average equity (ytd only) | -0.1790% | 4,364 |
| Net charge-offs to loans | 0.0428% | 1,062 |
| Credit loss provision to net charge-offs | 112.9771% | 1,250 |
| Earnings coverage of net charge-offs (x) | 45.8092% | 1,327 |
| Efficiency ratio | 73.8863% | 1,287 |
| Assets per employee ($millions) | 5.8144% | 2,918 |
| Cash dividends to net income (ytd only)* | 101.8745% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 3,627 |
| Loan loss allowance to noncurrent loans | 995.3157% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 2,898 |
| Noncurrent loans to loans | 0.0971% | 3,183 |
| Net loans and leases to total assets | 48.6400% | 3,562 |
| Net loans and leases to deposits | 53.0984% | 3,660 |
| Net loans and leases to core deposits | 53.9506% | 3,749 |
| Total domestic deposits to total assets | 91.6000% | 1,009 |
| Equity capital to assets | 7.4376% | 3,255 |
| Core capital (leverage) ratio | 7.3163% | 4,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2400% | 1,963 |
| Memoranda: | ||
| Average total assets | $876,083,000 | 1,109 |
| Average earning assets | $820,434,250 | 1,088 |
| Average equity | $68,517,750 | 1,287 |
| Average total loans | $408,116,000 | 1,358 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7475% | 4,069 |
| Cost of funding earning assets | 0.0957% | 4,234 |
| Net interest margin | 2.6518% | 3,810 |
| Noninterest income to average assets | 0.8470% | 949 |
| Noninterest expense to average assets | 2.6607% | 1,480 |
| Loan and lease loss provision to assets | 0.0192% | 2,260 |
| Net operating income to assets | 0.6128% | 3,597 |
| Return on assets (ROA) | 0.6128% | 3,540 |
| Pretax return on assets | 0.6664% | 3,668 |
| Return on Equity (ROE) | 7.6790% | 3,106 |
| Retained earnings to average equity (ytd only) | -7.5088% | 4,608 |
| Net charge-offs to loans | 0.0266% | 1,181 |
| Credit loss provision to net charge-offs | 158.0000% | 1,073 |
| Earnings coverage of net charge-offs (x) | 56.5600% | 1,103 |
| Efficiency ratio | 77.5572% | 1,120 |
| Assets per employee ($millions) | 5.7531% | 2,974 |
| Cash dividends to net income (ytd only)* | 197.7848% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 2,107 |
| Loan loss allowance to noncurrent loans | 905.3604% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 3,087 |
| Noncurrent loans to loans | 0.1456% | 2,969 |
| Net loans and leases to total assets | 43.6650% | 3,858 |
| Net loans and leases to deposits | 47.9559% | 3,922 |
| Net loans and leases to core deposits | 48.5644% | 4,002 |
| Total domestic deposits to total assets | 91.0525% | 1,206 |
| Equity capital to assets | 7.0148% | 3,761 |
| Core capital (leverage) ratio | 7.7337% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9982% | 1,189 |
| Memoranda: | ||
| Average total assets | $825,060,000 | 1,164 |
| Average earning assets | $777,589,000 | 1,153 |
| Average equity | $65,842,333 | 1,350 |
| Average total loans | $375,679,333 | 1,453 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5820% | 4,153 |
| Cost of funding earning assets | 0.1011% | 4,117 |
| Net interest margin | 2.4808% | 3,936 |
| Noninterest income to average assets | 0.8420% | 949 |
| Noninterest expense to average assets | 2.4760% | 1,943 |
| Loan and lease loss provision to assets | 0.0171% | 2,045 |
| Net operating income to assets | 0.5337% | 3,611 |
| Return on assets (ROA) | 0.5337% | 3,580 |
| Pretax return on assets | 0.6888% | 3,425 |
| Return on Equity (ROE) | 6.2970% | 3,252 |
| Retained earnings to average equity (ytd only) | 6.2970% | 2,144 |
| Net charge-offs to loans | 0.0064% | 1,525 |
| Credit loss provision to net charge-offs | 583.3333% | 479 |
| Earnings coverage of net charge-offs (x) | 240.5000% | 379 |
| Efficiency ratio | 77.0295% | 1,404 |
| Assets per employee ($millions) | 5.8152% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,289 |
| Loan loss allowance to noncurrent loans | 602.5830% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 2,854 |
| Noncurrent loans to loans | 0.2179% | 2,727 |
| Net loans and leases to total assets | 43.6588% | 3,761 |
| Net loans and leases to deposits | 49.4695% | 3,772 |
| Net loans and leases to core deposits | 50.1336% | 3,865 |
| Total domestic deposits to total assets | 88.2539% | 2,406 |
| Equity capital to assets | 7.9953% | 3,575 |
| Core capital (leverage) ratio | 8.3861% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4317% | 1,161 |
| Memoranda: | ||
| Average total assets | $817,613,000 | 1,174 |
| Average earning assets | $771,198,500 | 1,166 |
| Average equity | $69,303,000 | 1,343 |
| Average total loans | $377,687,000 | 1,436 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2437% | 3,363 |
| Cost of funding earning assets | 0.1210% | 4,211 |
| Net interest margin | 3.1227% | 2,833 |
| Noninterest income to average assets | 0.9612% | 1,075 |
| Noninterest expense to average assets | 2.7607% | 1,453 |
| Loan and lease loss provision to assets | 0.0220% | 2,633 |
| Net operating income to assets | 0.8799% | 3,111 |
| Return on assets (ROA) | 0.8815% | 3,167 |
| Pretax return on assets | 1.1077% | 2,943 |
| Return on Equity (ROE) | 9.5469% | 2,703 |
| Retained earnings to average equity (ytd only) | 8.3906% | 1,392 |
| Net charge-offs to loans | 0.0580% | 1,211 |
| Credit loss provision to net charge-offs | 71.4286% | 2,007 |
| Earnings coverage of net charge-offs (x) | 36.5801% | 1,484 |
| Efficiency ratio | 69.7168% | 1,770 |
| Assets per employee ($millions) | 5.3515% | 3,414 |
| Cash dividends to net income (ytd only)* | 12.1120% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 2,481 |
| Loan loss allowance to noncurrent loans | 825.4237% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 3,125 |
| Noncurrent loans to loans | 0.1543% | 3,165 |
| Net loans and leases to total assets | 47.6593% | 3,524 |
| Net loans and leases to deposits | 54.7924% | 3,534 |
| Net loans and leases to core deposits | 55.5765% | 3,654 |
| Total domestic deposits to total assets | 86.9817% | 2,529 |
| Equity capital to assets | 8.9883% | 3,629 |
| Core capital (leverage) ratio | 8.4781% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6645% | 1,124 |
| Memoranda: | ||
| Average total assets | $749,276,200 | 1,223 |
| Average earning assets | $702,382,000 | 1,218 |
| Average equity | $69,184,600 | 1,364 |
| Average total loans | $398,326,000 | 1,379 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3659% | 3,201 |
| Cost of funding earning assets | 0.1256% | 4,304 |
| Net interest margin | 3.2403% | 2,609 |
| Noninterest income to average assets | 0.9555% | 1,145 |
| Noninterest expense to average assets | 2.7661% | 1,415 |
| Loan and lease loss provision to assets | 0.0162% | 2,678 |
| Net operating income to assets | 0.9651% | 3,033 |
| Return on assets (ROA) | 0.9672% | 3,114 |
| Pretax return on assets | 1.2082% | 2,901 |
| Return on Equity (ROE) | 10.4011% | 2,594 |
| Retained earnings to average equity (ytd only) | 10.4011% | 1,197 |
| Net charge-offs to loans | 0.0391% | 1,308 |
| Credit loss provision to net charge-offs | 76.2712% | 1,731 |
| Earnings coverage of net charge-offs (x) | 57.3559% | 1,160 |
| Efficiency ratio | 67.9055% | 1,847 |
| Assets per employee ($millions) | 5.1306% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 2,558 |
| Loan loss allowance to noncurrent loans | 890.7441% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 3,289 |
| Noncurrent loans to loans | 0.1445% | 3,393 |
| Net loans and leases to total assets | 48.2739% | 3,607 |
| Net loans and leases to deposits | 55.7233% | 3,607 |
| Net loans and leases to core deposits | 56.5015% | 3,734 |
| Total domestic deposits to total assets | 86.6314% | 2,497 |
| Equity capital to assets | 9.1610% | 3,689 |
| Core capital (leverage) ratio | 8.6700% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2353% | 1,300 |
| Memoranda: | ||
| Average total assets | $738,590,000 | 1,252 |
| Average earning assets | $691,189,750 | 1,248 |
| Average equity | $68,683,500 | 1,383 |
| Average total loans | $402,322,000 | 1,397 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2802% | 3,481 |
| Cost of funding earning assets | 0.1300% | 4,351 |
| Net interest margin | 3.1502% | 2,892 |
| Noninterest income to average assets | 0.9086% | 1,250 |
| Noninterest expense to average assets | 2.7295% | 1,511 |
| Loan and lease loss provision to assets | 0.0166% | 2,623 |
| Net operating income to assets | 0.9236% | 3,148 |
| Return on assets (ROA) | 0.9271% | 3,215 |
| Pretax return on assets | 1.1087% | 3,186 |
| Return on Equity (ROE) | 9.9168% | 2,772 |
| Retained earnings to average equity (ytd only) | 9.9168% | 1,418 |
| Net charge-offs to loans | 0.0322% | 1,328 |
| Credit loss provision to net charge-offs | 90.9091% | 1,428 |
| Earnings coverage of net charge-offs (x) | 61.5606% | 958 |
| Efficiency ratio | 68.9502% | 1,769 |
| Assets per employee ($millions) | 4.8589% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,859 |
| Loan loss allowance to noncurrent loans | 574.5921% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 3,024 |
| Noncurrent loans to loans | 0.2110% | 3,206 |
| Net loans and leases to total assets | 53.0015% | 3,252 |
| Net loans and leases to deposits | 61.3048% | 3,270 |
| Net loans and leases to core deposits | 62.1475% | 3,447 |
| Total domestic deposits to total assets | 86.4557% | 2,571 |
| Equity capital to assets | 9.1390% | 3,666 |
| Core capital (leverage) ratio | 8.4983% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8676% | 1,368 |
| Memoranda: | ||
| Average total assets | $724,834,333 | 1,258 |
| Average earning assets | $676,911,667 | 1,263 |
| Average equity | $67,763,667 | 1,394 |
| Average total loans | $409,304,333 | 1,384 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4243% | 3,128 |
| Cost of funding earning assets | 0.1343% | 4,421 |
| Net interest margin | 3.2900% | 2,423 |
| Noninterest income to average assets | 0.9872% | 1,152 |
| Noninterest expense to average assets | 2.7160% | 1,587 |
| Loan and lease loss provision to assets | 0.0169% | 2,554 |
| Net operating income to assets | 1.0031% | 2,800 |
| Return on assets (ROA) | 1.0098% | 2,868 |
| Pretax return on assets | 1.3334% | 2,479 |
| Return on Equity (ROE) | 10.6732% | 2,469 |
| Retained earnings to average equity (ytd only) | 10.6732% | 1,476 |
| Net charge-offs to loans | 0.0185% | 1,372 |
| Credit loss provision to net charge-offs | 157.8947% | 964 |
| Earnings coverage of net charge-offs (x) | 125.0526% | 538 |
| Efficiency ratio | 66.2213% | 2,194 |
| Assets per employee ($millions) | 5.2113% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 2,915 |
| Loan loss allowance to noncurrent loans | 342.0470% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 3,135 |
| Noncurrent loans to loans | 0.3517% | 2,822 |
| Net loans and leases to total assets | 55.2881% | 3,117 |
| Net loans and leases to deposits | 64.1222% | 3,114 |
| Net loans and leases to core deposits | 65.0541% | 3,316 |
| Total domestic deposits to total assets | 86.2230% | 2,660 |
| Equity capital to assets | 9.1452% | 3,544 |
| Core capital (leverage) ratio | 8.8628% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7167% | 1,382 |
| Memoranda: | ||
| Average total assets | $708,254,500 | 1,275 |
| Average earning assets | $661,032,000 | 1,275 |
| Average equity | $67,009,000 | 1,395 |
| Average total loans | $410,617,500 | 1,382 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 3,162 |
| Cost of funding earning assets | 0.2725% | 4,285 |
| Net interest margin | 3.5780% | 2,222 |
| Noninterest income to average assets | 1.2428% | 726 |
| Noninterest expense to average assets | 3.2018% | 1,055 |
| Loan and lease loss provision to assets | 0.2223% | 1,763 |
| Net operating income to assets | 0.9434% | 2,510 |
| Return on assets (ROA) | 0.9450% | 2,650 |
| Pretax return on assets | 1.1314% | 2,581 |
| Return on Equity (ROE) | 9.3280% | 2,274 |
| Retained earnings to average equity (ytd only) | 7.3898% | 1,242 |
| Net charge-offs to loans | 0.0138% | 2,849 |
| Credit loss provision to net charge-offs | 2,526.7857% | 370 |
| Earnings coverage of net charge-offs (x) | 153.6786% | 560 |
| Efficiency ratio | 69.0273% | 2,092 |
| Assets per employee ($millions) | 4.5753% | 3,837 |
| Cash dividends to net income (ytd only)* | 20.7779% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,923 |
| Loan loss allowance to noncurrent loans | 369.7378% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 3,095 |
| Noncurrent loans to loans | 0.3256% | 3,037 |
| Net loans and leases to total assets | 59.4235% | 2,930 |
| Net loans and leases to deposits | 69.5962% | 2,929 |
| Net loans and leases to core deposits | 70.7329% | 3,205 |
| Total domestic deposits to total assets | 85.3833% | 2,621 |
| Equity capital to assets | 9.8017% | 3,315 |
| Core capital (leverage) ratio | 8.8882% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2252% | 1,771 |
| Memoranda: | ||
| Average total assets | $636,636,400 | 1,280 |
| Average earning assets | $589,098,600 | 1,283 |
| Average equity | $64,494,000 | 1,379 |
| Average total loans | $405,645,400 | 1,339 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 3,351 |
| Cost of funding earning assets | 0.3141% | 4,253 |
| Net interest margin | 3.5576% | 2,402 |
| Noninterest income to average assets | 1.2709% | 674 |
| Noninterest expense to average assets | 3.1731% | 1,114 |
| Loan and lease loss provision to assets | 0.2515% | 1,610 |
| Net operating income to assets | 0.9274% | 2,606 |
| Return on assets (ROA) | 0.9274% | 2,736 |
| Pretax return on assets | 1.1325% | 2,630 |
| Return on Equity (ROE) | 9.0747% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.0747% | 958 |
| Net charge-offs to loans | 0.0198% | 2,462 |
| Credit loss provision to net charge-offs | 1,966.6667% | 487 |
| Earnings coverage of net charge-offs (x) | 108.2000% | 750 |
| Efficiency ratio | 68.9076% | 2,059 |
| Assets per employee ($millions) | 4.4487% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,174 |
| Loan loss allowance to noncurrent loans | 381.8699% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 3,240 |
| Noncurrent loans to loans | 0.2898% | 3,237 |
| Net loans and leases to total assets | 62.4809% | 2,947 |
| Net loans and leases to deposits | 73.5605% | 2,996 |
| Net loans and leases to core deposits | 74.9315% | 3,246 |
| Total domestic deposits to total assets | 84.9382% | 2,468 |
| Equity capital to assets | 9.8877% | 3,348 |
| Core capital (leverage) ratio | 9.1534% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0451% | 2,180 |
| Memoranda: | ||
| Average total assets | $625,365,500 | 1,279 |
| Average earning assets | $577,684,750 | 1,280 |
| Average equity | $63,912,500 | 1,375 |
| Average total loans | $404,547,250 | 1,332 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 3,307 |
| Cost of funding earning assets | 0.3761% | 4,146 |
| Net interest margin | 3.6301% | 2,379 |
| Noninterest income to average assets | 1.0428% | 912 |
| Noninterest expense to average assets | 3.0952% | 1,366 |
| Loan and lease loss provision to assets | 0.2033% | 2,022 |
| Net operating income to assets | 0.9270% | 2,600 |
| Return on assets (ROA) | 0.9270% | 2,724 |
| Pretax return on assets | 1.0900% | 2,738 |
| Return on Equity (ROE) | 8.9637% | 2,378 |
| Retained earnings to average equity (ytd only) | 8.9637% | 1,022 |
| Net charge-offs to loans | 0.0196% | 2,337 |
| Credit loss provision to net charge-offs | 1,589.7436% | 580 |
| Earnings coverage of net charge-offs (x) | 101.1282% | 696 |
| Efficiency ratio | 69.7676% | 1,988 |
| Assets per employee ($millions) | 4.2075% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 3,662 |
| Loan loss allowance to noncurrent loans | 320.0154% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 3,301 |
| Noncurrent loans to loans | 0.3067% | 3,286 |
| Net loans and leases to total assets | 63.8902% | 2,896 |
| Net loans and leases to deposits | 75.3278% | 2,937 |
| Net loans and leases to core deposits | 77.0617% | 3,191 |
| Total domestic deposits to total assets | 84.8163% | 2,468 |
| Equity capital to assets | 9.8884% | 3,299 |
| Core capital (leverage) ratio | 9.2185% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6060% | 1,956 |
| Memoranda: | ||
| Average total assets | $609,903,333 | 1,278 |
| Average earning assets | $562,138,333 | 1,292 |
| Average equity | $63,076,333 | 1,379 |
| Average total loans | $397,925,000 | 1,330 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2611% | 3,032 |
| Cost of funding earning assets | 0.4690% | 4,073 |
| Net interest margin | 3.7921% | 2,014 |
| Noninterest income to average assets | 1.1454% | 667 |
| Noninterest expense to average assets | 3.2638% | 1,292 |
| Loan and lease loss provision to assets | 0.0409% | 3,261 |
| Net operating income to assets | 1.0023% | 2,164 |
| Return on assets (ROA) | 1.0023% | 2,271 |
| Pretax return on assets | 1.3193% | 1,818 |
| Return on Equity (ROE) | 9.4591% | 1,930 |
| Retained earnings to average equity (ytd only) | 9.4591% | 857 |
| Net charge-offs to loans | 0.0187% | 1,996 |
| Credit loss provision to net charge-offs | 333.3333% | 1,098 |
| Earnings coverage of net charge-offs (x) | 110.8333% | 537 |
| Efficiency ratio | 69.8319% | 2,384 |
| Assets per employee ($millions) | 3.9480% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 3,978 |
| Loan loss allowance to noncurrent loans | 263.7755% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 3,203 |
| Noncurrent loans to loans | 0.3558% | 3,220 |
| Net loans and leases to total assets | 64.0799% | 3,055 |
| Net loans and leases to deposits | 76.1535% | 3,060 |
| Net loans and leases to core deposits | 78.5769% | 3,307 |
| Total domestic deposits to total assets | 84.1457% | 2,739 |
| Equity capital to assets | 10.6089% | 3,224 |
| Core capital (leverage) ratio | 9.8700% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6020% | 1,717 |
| Memoranda: | ||
| Average total assets | $586,671,000 | 1,279 |
| Average earning assets | $538,173,500 | 1,294 |
| Average equity | $62,162,500 | 1,386 |
| Average total loans | $385,131,500 | 1,339 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5528% | 2,770 |
| Cost of funding earning assets | 0.5506% | 3,870 |
| Net interest margin | 4.0023% | 1,855 |
| Noninterest income to average assets | 1.1546% | 703 |
| Noninterest expense to average assets | 3.3868% | 1,138 |
| Loan and lease loss provision to assets | 0.0721% | 2,556 |
| Net operating income to assets | 1.0385% | 2,702 |
| Return on assets (ROA) | 1.0385% | 2,792 |
| Pretax return on assets | 1.3417% | 2,356 |
| Return on Equity (ROE) | 9.9796% | 2,305 |
| Retained earnings to average equity (ytd only) | 8.2698% | 897 |
| Net charge-offs to loans | 0.0385% | 2,617 |
| Credit loss provision to net charge-offs | 279.3103% | 1,008 |
| Earnings coverage of net charge-offs (x) | 54.8000% | 1,047 |
| Efficiency ratio | 69.5564% | 2,241 |
| Assets per employee ($millions) | 3.6301% | 4,345 |
| Cash dividends to net income (ytd only)* | 17.1321% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 3,846 |
| Loan loss allowance to noncurrent loans | 200.8422% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 2,733 |
| Noncurrent loans to loans | 0.4630% | 2,787 |
| Net loans and leases to total assets | 66.0188% | 2,952 |
| Net loans and leases to deposits | 77.6555% | 3,041 |
| Net loans and leases to core deposits | 80.6656% | 3,241 |
| Total domestic deposits to total assets | 85.0150% | 2,485 |
| Equity capital to assets | 10.5823% | 3,362 |
| Core capital (leverage) ratio | 9.7271% | 3,818 |
| Tier 1 risk-based capital ratio | 14.1932% | 3,170 |
| Total risk-based capital ratio | 15.1073% | 3,246 |
| Memoranda: | ||
| Average total assets | $562,036,400 | 1,285 |
| Average earning assets | $512,010,800 | 1,306 |
| Average equity | $58,489,600 | 1,392 |
| Average total loans | $376,746,200 | 1,337 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 2,843 |
| Cost of funding earning assets | 0.5534% | 3,908 |
| Net interest margin | 4.0129% | 1,895 |
| Noninterest income to average assets | 1.0810% | 787 |
| Noninterest expense to average assets | 3.2668% | 1,338 |
| Loan and lease loss provision to assets | 0.0287% | 3,331 |
| Net operating income to assets | 1.0951% | 2,588 |
| Return on assets (ROA) | 1.0951% | 2,684 |
| Pretax return on assets | 1.4378% | 2,164 |
| Return on Equity (ROE) | 10.5688% | 2,183 |
| Retained earnings to average equity (ytd only) | 10.5688% | 609 |
| Net charge-offs to loans | 0.0619% | 1,938 |
| Credit loss provision to net charge-offs | 68.9655% | 2,631 |
| Earnings coverage of net charge-offs (x) | 35.2880% | 1,472 |
| Efficiency ratio | 67.9281% | 2,434 |
| Assets per employee ($millions) | 3.7713% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 4,176 |
| Loan loss allowance to noncurrent loans | 111.1376% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 2,271 |
| Noncurrent loans to loans | 0.7794% | 2,017 |
| Net loans and leases to total assets | 65.1437% | 3,166 |
| Net loans and leases to deposits | 76.7333% | 3,228 |
| Net loans and leases to core deposits | 79.6848% | 3,412 |
| Total domestic deposits to total assets | 84.8963% | 2,458 |
| Equity capital to assets | 10.6165% | 3,450 |
| Core capital (leverage) ratio | 9.7813% | 3,876 |
| Tier 1 risk-based capital ratio | 14.3804% | 3,144 |
| Total risk-based capital ratio | 15.2299% | 3,259 |
| Memoranda: | ||
| Average total assets | $558,248,250 | 1,301 |
| Average earning assets | $508,088,000 | 1,322 |
| Average equity | $57,842,000 | 1,406 |
| Average total loans | $374,775,250 | 1,349 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 2,785 |
| Cost of funding earning assets | 0.5312% | 3,980 |
| Net interest margin | 4.0339% | 1,818 |
| Noninterest income to average assets | 1.0632% | 760 |
| Noninterest expense to average assets | 3.3341% | 1,222 |
| Loan and lease loss provision to assets | 0.0271% | 3,279 |
| Net operating income to assets | 1.0440% | 2,750 |
| Return on assets (ROA) | 1.0440% | 2,822 |
| Pretax return on assets | 1.3723% | 2,297 |
| Return on Equity (ROE) | 10.1625% | 2,313 |
| Retained earnings to average equity (ytd only) | 10.1625% | 711 |
| Net charge-offs to loans | 0.0577% | 1,816 |
| Credit loss provision to net charge-offs | 69.4444% | 2,323 |
| Earnings coverage of net charge-offs (x) | 35.8426% | 1,316 |
| Efficiency ratio | 69.2455% | 2,343 |
| Assets per employee ($millions) | 3.5813% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 4,192 |
| Loan loss allowance to noncurrent loans | 121.8553% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 2,230 |
| Noncurrent loans to loans | 0.7153% | 2,194 |
| Net loans and leases to total assets | 65.5881% | 3,158 |
| Net loans and leases to deposits | 76.9900% | 3,247 |
| Net loans and leases to core deposits | 79.9260% | 3,427 |
| Total domestic deposits to total assets | 85.1903% | 2,395 |
| Equity capital to assets | 10.3936% | 3,610 |
| Core capital (leverage) ratio | 9.5172% | 4,127 |
| Tier 1 risk-based capital ratio | 14.0113% | 3,318 |
| Total risk-based capital ratio | 14.8717% | 3,414 |
| Memoranda: | ||
| Average total assets | $553,250,330 | 1,306 |
| Average earning assets | $503,377,670 | 1,328 |
| Average equity | $56,836,670 | 1,418 |
| Average total loans | $374,135,670 | 1,354 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 2,583 |
| Cost of funding earning assets | 0.4975% | 4,071 |
| Net interest margin | 4.0877% | 1,583 |
| Noninterest income to average assets | 1.0331% | 749 |
| Noninterest expense to average assets | 3.3061% | 1,273 |
| Loan and lease loss provision to assets | 0.0220% | 3,155 |
| Net operating income to assets | 1.0793% | 2,550 |
| Return on assets (ROA) | 1.0793% | 2,596 |
| Pretax return on assets | 1.4183% | 2,019 |
| Return on Equity (ROE) | 10.5707% | 2,131 |
| Retained earnings to average equity (ytd only) | 10.5707% | 912 |
| Net charge-offs to loans | 0.0515% | 1,549 |
| Credit loss provision to net charge-offs | 62.5000% | 1,897 |
| Earnings coverage of net charge-offs (x) | 40.8958% | 1,140 |
| Efficiency ratio | 68.4495% | 2,575 |
| Assets per employee ($millions) | 3.7302% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 4,232 |
| Loan loss allowance to noncurrent loans | 132.1715% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 2,532 |
| Noncurrent loans to loans | 0.6679% | 2,349 |
| Net loans and leases to total assets | 66.6429% | 2,951 |
| Net loans and leases to deposits | 75.9985% | 3,258 |
| Net loans and leases to core deposits | 78.6193% | 3,477 |
| Total domestic deposits to total assets | 87.6898% | 1,484 |
| Equity capital to assets | 10.2307% | 3,593 |
| Core capital (leverage) ratio | 9.6737% | 3,946 |
| Tier 1 risk-based capital ratio | 13.6163% | 3,544 |
| Total risk-based capital ratio | 14.4804% | 3,659 |
| Memoranda: | ||
| Average total assets | $545,166,000 | 1,322 |
| Average earning assets | $495,245,000 | 1,350 |
| Average equity | $55,663,500 | 1,434 |
| Average total loans | $372,826,000 | 1,364 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 2,906 |
| Cost of funding earning assets | 0.3243% | 4,440 |
| Net interest margin | 4.0326% | 1,879 |
| Noninterest income to average assets | 1.0241% | 899 |
| Noninterest expense to average assets | 3.4219% | 1,116 |
| Loan and lease loss provision to assets | 0.0220% | 3,727 |
| Net operating income to assets | 0.9450% | 3,260 |
| Return on assets (ROA) | 0.9450% | 3,254 |
| Pretax return on assets | 1.2447% | 2,718 |
| Return on Equity (ROE) | 9.0143% | 2,987 |
| Retained earnings to average equity (ytd only) | -2.5156% | 5,154 |
| Net charge-offs to loans | 0.0748% | 2,047 |
| Credit loss provision to net charge-offs | 45.2489% | 3,235 |
| Earnings coverage of net charge-offs (x) | 26.0814% | 1,742 |
| Efficiency ratio | 72.8240% | 1,792 |
| Assets per employee ($millions) | 3.6864% | 4,339 |
| Cash dividends to net income (ytd only)* | 127.9070% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 4,202 |
| Loan loss allowance to noncurrent loans | 131.2104% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 2,331 |
| Noncurrent loans to loans | 0.6797% | 2,297 |
| Net loans and leases to total assets | 68.9641% | 2,735 |
| Net loans and leases to deposits | 78.5128% | 3,108 |
| Net loans and leases to core deposits | 81.1104% | 3,343 |
| Total domestic deposits to total assets | 87.8380% | 1,375 |
| Equity capital to assets | 10.1892% | 3,483 |
| Core capital (leverage) ratio | 10.8284% | 2,699 |
| Tier 1 risk-based capital ratio | 13.6073% | 3,490 |
| Total risk-based capital ratio | 14.5056% | 3,574 |
| Memoranda: | ||
| Average total assets | $455,044,400 | 1,521 |
| Average earning assets | $413,507,400 | 1,545 |
| Average equity | $47,702,200 | 1,579 |
| Average total loans | $295,514,600 | 1,609 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 2,733 |
| Cost of funding earning assets | 0.3079% | 4,466 |
| Net interest margin | 4.0604% | 1,757 |
| Noninterest income to average assets | 1.0583% | 847 |
| Noninterest expense to average assets | 3.4015% | 1,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0261% | 2,982 |
| Return on assets (ROA) | 1.0261% | 2,992 |
| Pretax return on assets | 1.3493% | 2,434 |
| Return on Equity (ROE) | 9.7046% | 2,749 |
| Retained earnings to average equity (ytd only) | 9.7046% | 999 |
| Net charge-offs to loans | 0.0878% | 1,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 24.1978% | 1,824 |
| Efficiency ratio | 71.3788% | 1,982 |
| Assets per employee ($millions) | 3.6079% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 2,890 |
| Loan loss allowance to noncurrent loans | 204.6512% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 2,916 |
| Noncurrent loans to loans | 0.5635% | 2,692 |
| Net loans and leases to total assets | 65.0054% | 3,301 |
| Net loans and leases to deposits | 74.9019% | 3,516 |
| Net loans and leases to core deposits | 76.9482% | 3,745 |
| Total domestic deposits to total assets | 86.7873% | 1,829 |
| Equity capital to assets | 10.9958% | 2,670 |
| Core capital (leverage) ratio | 10.7748% | 2,822 |
| Tier 1 risk-based capital ratio | 16.7786% | 2,176 |
| Total risk-based capital ratio | 17.9583% | 2,152 |
| Memoranda: | ||
| Average total assets | $435,171,750 | 1,585 |
| Average earning assets | $395,748,750 | 1,613 |
| Average equity | $46,011,500 | 1,632 |
| Average total loans | $276,404,750 | 1,698 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2995% | 2,760 |
| Cost of funding earning assets | 0.2968% | 4,436 |
| Net interest margin | 4.0027% | 1,852 |
| Noninterest income to average assets | 1.0295% | 910 |
| Noninterest expense to average assets | 3.4060% | 1,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9572% | 3,205 |
| Return on assets (ROA) | 0.9572% | 3,211 |
| Pretax return on assets | 1.2578% | 2,689 |
| Return on Equity (ROE) | 9.1730% | 2,941 |
| Retained earnings to average equity (ytd only) | 9.1730% | 1,160 |
| Net charge-offs to loans | 0.0496% | 1,897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 40.4265% | 1,285 |
| Efficiency ratio | 72.6969% | 1,886 |
| Assets per employee ($millions) | 3.5094% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,669 |
| Loan loss allowance to noncurrent loans | 179.0648% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 2,716 |
| Noncurrent loans to loans | 0.6741% | 2,416 |
| Net loans and leases to total assets | 63.3784% | 3,467 |
| Net loans and leases to deposits | 73.4326% | 3,586 |
| Net loans and leases to core deposits | 75.2894% | 3,790 |
| Total domestic deposits to total assets | 86.3083% | 2,134 |
| Equity capital to assets | 10.6476% | 2,970 |
| Core capital (leverage) ratio | 10.2556% | 3,286 |
| Tier 1 risk-based capital ratio | 16.4351% | 2,275 |
| Total risk-based capital ratio | 17.6645% | 2,229 |
| Memoranda: | ||
| Average total assets | $437,113,670 | 1,591 |
| Average earning assets | $396,884,000 | 1,615 |
| Average equity | $45,612,000 | 1,652 |
| Average total loans | $274,421,670 | 1,714 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 2,855 |
| Cost of funding earning assets | 0.2827% | 4,481 |
| Net interest margin | 3.9257% | 1,946 |
| Noninterest income to average assets | 1.0144% | 887 |
| Noninterest expense to average assets | 3.2651% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9998% | 2,859 |
| Return on assets (ROA) | 0.9998% | 2,879 |
| Pretax return on assets | 1.3121% | 2,317 |
| Return on Equity (ROE) | 9.6795% | 2,597 |
| Retained earnings to average equity (ytd only) | 9.6795% | 1,261 |
| Net charge-offs to loans | -0.0118% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9156% | 2,360 |
| Assets per employee ($millions) | 3.6928% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 2,423 |
| Loan loss allowance to noncurrent loans | 248.8087% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 3,346 |
| Noncurrent loans to loans | 0.5088% | 2,993 |
| Net loans and leases to total assets | 60.6514% | 3,686 |
| Net loans and leases to deposits | 70.3017% | 3,763 |
| Net loans and leases to core deposits | 71.9764% | 3,963 |
| Total domestic deposits to total assets | 86.2730% | 2,411 |
| Equity capital to assets | 10.2479% | 3,340 |
| Core capital (leverage) ratio | 10.2466% | 3,245 |
| Tier 1 risk-based capital ratio | 16.2024% | 2,387 |
| Total risk-based capital ratio | 17.4526% | 2,340 |
| Memoranda: | ||
| Average total assets | $438,085,500 | 1,600 |
| Average earning assets | $397,586,000 | 1,623 |
| Average equity | $45,250,500 | 1,669 |
| Average total loans | $272,045,500 | 1,731 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1428% | 2,905 |
| Cost of funding earning assets | 0.2500% | 4,564 |
| Net interest margin | 3.8927% | 2,110 |
| Noninterest income to average assets | 1.0294% | 963 |
| Noninterest expense to average assets | 3.2705% | 1,435 |
| Loan and lease loss provision to assets | -0.1735% | 5,561 |
| Net operating income to assets | 0.8670% | 2,882 |
| Return on assets (ROA) | 0.8658% | 2,907 |
| Pretax return on assets | 1.4607% | 1,776 |
| Return on Equity (ROE) | 8.4984% | 2,545 |
| Retained earnings to average equity (ytd only) | 5.0918% | 2,070 |
| Net charge-offs to loans | 0.0255% | 3,296 |
| Credit loss provision to net charge-offs | -1,102.9412% | 5,079 |
| Earnings coverage of net charge-offs (x) | 81.9265% | 755 |
| Efficiency ratio | 71.0900% | 2,381 |
| Assets per employee ($millions) | 3.6698% | 4,481 |
| Cash dividends to net income (ytd only)* | 40.0855% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,402 |
| Loan loss allowance to noncurrent loans | 225.4426% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 3,265 |
| Noncurrent loans to loans | 0.5609% | 2,815 |
| Net loans and leases to total assets | 61.9901% | 3,626 |
| Net loans and leases to deposits | 72.2170% | 3,682 |
| Net loans and leases to core deposits | 73.7462% | 3,895 |
| Total domestic deposits to total assets | 85.8386% | 2,514 |
| Equity capital to assets | 10.4123% | 3,251 |
| Core capital (leverage) ratio | 9.9684% | 3,494 |
| Tier 1 risk-based capital ratio | 15.8890% | 2,473 |
| Total risk-based capital ratio | 17.1393% | 2,418 |
| Memoranda: | ||
| Average total assets | $432,202,800 | 1,602 |
| Average earning assets | $391,935,200 | 1,627 |
| Average equity | $44,031,800 | 1,687 |
| Average total loans | $266,880,600 | 1,725 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 2,936 |
| Cost of funding earning assets | 0.2466% | 4,594 |
| Net interest margin | 3.8693% | 2,147 |
| Noninterest income to average assets | 1.0191% | 990 |
| Noninterest expense to average assets | 3.2206% | 1,516 |
| Loan and lease loss provision to assets | 0.0170% | 3,805 |
| Net operating income to assets | 0.8639% | 3,208 |
| Return on assets (ROA) | 0.8639% | 3,256 |
| Pretax return on assets | 1.2932% | 2,523 |
| Return on Equity (ROE) | 8.5267% | 2,859 |
| Retained earnings to average equity (ytd only) | 5.4803% | 2,553 |
| Net charge-offs to loans | 0.0075% | 3,463 |
| Credit loss provision to net charge-offs | 366.6667% | 834 |
| Earnings coverage of net charge-offs (x) | 282.9930% | 320 |
| Efficiency ratio | 70.3678% | 2,478 |
| Assets per employee ($millions) | 3.6568% | 4,505 |
| Cash dividends to net income (ytd only)* | 35.7270% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 1,281 |
| Loan loss allowance to noncurrent loans | 362.2260% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 3,646 |
| Noncurrent loans to loans | 0.4364% | 3,399 |
| Net loans and leases to total assets | 61.9789% | 3,653 |
| Net loans and leases to deposits | 70.7621% | 3,896 |
| Net loans and leases to core deposits | 72.2853% | 4,108 |
| Total domestic deposits to total assets | 87.5877% | 1,590 |
| Equity capital to assets | 10.4489% | 3,423 |
| Core capital (leverage) ratio | 9.8978% | 3,699 |
| Tier 1 risk-based capital ratio | 15.7186% | 2,618 |
| Total risk-based capital ratio | 16.9729% | 2,553 |
| Memoranda: | ||
| Average total assets | $431,994,250 | 1,613 |
| Average earning assets | $392,065,500 | 1,635 |
| Average equity | $43,767,500 | 1,713 |
| Average total loans | $265,631,250 | 1,742 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 2,983 |
| Cost of funding earning assets | 0.2480% | 4,556 |
| Net interest margin | 3.8094% | 2,255 |
| Noninterest income to average assets | 0.9830% | 1,060 |
| Noninterest expense to average assets | 3.2349% | 1,505 |
| Loan and lease loss provision to assets | 0.0250% | 3,500 |
| Net operating income to assets | 0.7905% | 3,440 |
| Return on assets (ROA) | 0.7905% | 3,498 |
| Pretax return on assets | 1.1774% | 2,865 |
| Return on Equity (ROE) | 7.8842% | 3,102 |
| Retained earnings to average equity (ytd only) | 3.2681% | 3,773 |
| Net charge-offs to loans | -0.0690% | 5,296 |
| Credit loss provision to net charge-offs | -59.3407% | 4,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0275% | 2,338 |
| Assets per employee ($millions) | 3.6663% | 4,487 |
| Cash dividends to net income (ytd only)* | 58.5480% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 1,221 |
| Loan loss allowance to noncurrent loans | 349.0087% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 3,651 |
| Noncurrent loans to loans | 0.4639% | 3,349 |
| Net loans and leases to total assets | 61.8119% | 3,651 |
| Net loans and leases to deposits | 70.2741% | 3,892 |
| Net loans and leases to core deposits | 72.0487% | 4,091 |
| Total domestic deposits to total assets | 87.9583% | 1,473 |
| Equity capital to assets | 10.2115% | 3,658 |
| Core capital (leverage) ratio | 9.6576% | 3,953 |
| Tier 1 risk-based capital ratio | 15.3071% | 2,797 |
| Total risk-based capital ratio | 16.5620% | 2,728 |
| Memoranda: | ||
| Average total assets | $432,156,330 | 1,613 |
| Average earning assets | $391,872,330 | 1,637 |
| Average equity | $43,327,330 | 1,725 |
| Average total loans | $263,595,000 | 1,746 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 3,190 |
| Cost of funding earning assets | 0.2497% | 4,541 |
| Net interest margin | 3.7052% | 2,473 |
| Noninterest income to average assets | 1.0428% | 925 |
| Noninterest expense to average assets | 3.1460% | 1,747 |
| Loan and lease loss provision to assets | 0.0472% | 2,867 |
| Net operating income to assets | 0.8048% | 3,202 |
| Return on assets (ROA) | 0.8048% | 3,263 |
| Pretax return on assets | 1.2160% | 2,528 |
| Return on Equity (ROE) | 8.1022% | 2,871 |
| Retained earnings to average equity (ytd only) | 8.1022% | 1,419 |
| Net charge-offs to loans | -0.0031% | 4,066 |
| Credit loss provision to net charge-offs | -2,550.0000% | 4,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4684% | 2,825 |
| Assets per employee ($millions) | 3.6791% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 1,266 |
| Loan loss allowance to noncurrent loans | 320.3717% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 3,525 |
| Noncurrent loans to loans | 0.5129% | 3,279 |
| Net loans and leases to total assets | 59.4091% | 3,845 |
| Net loans and leases to deposits | 67.4365% | 4,047 |
| Net loans and leases to core deposits | 69.0609% | 4,216 |
| Total domestic deposits to total assets | 88.0963% | 1,664 |
| Equity capital to assets | 10.0303% | 3,717 |
| Core capital (leverage) ratio | 9.8027% | 3,752 |
| Tier 1 risk-based capital ratio | 15.6619% | 2,684 |
| Total risk-based capital ratio | 16.9167% | 2,622 |
| Memoranda: | ||
| Average total assets | $431,920,000 | 1,630 |
| Average earning assets | $392,421,500 | 1,648 |
| Average equity | $42,902,000 | 1,741 |
| Average total loans | $259,484,000 | 1,778 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 3,024 |
| Cost of funding earning assets | 0.2837% | 4,227 |
| Net interest margin | 3.7653% | 2,450 |
| Noninterest income to average assets | 1.0589% | 1,003 |
| Noninterest expense to average assets | 3.3632% | 1,434 |
| Loan and lease loss provision to assets | 0.0483% | 3,427 |
| Net operating income to assets | 0.7254% | 3,666 |
| Return on assets (ROA) | 0.7254% | 3,778 |
| Pretax return on assets | 1.0729% | 3,208 |
| Return on Equity (ROE) | 7.0253% | 3,454 |
| Retained earnings to average equity (ytd only) | 5.2702% | 2,151 |
| Net charge-offs to loans | 0.0494% | 3,057 |
| Credit loss provision to net charge-offs | 163.9344% | 1,689 |
| Earnings coverage of net charge-offs (x) | 38.0328% | 1,218 |
| Efficiency ratio | 74.0866% | 2,279 |
| Assets per employee ($millions) | 3.6110% | 4,595 |
| Cash dividends to net income (ytd only)* | 24.9833% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 1,238 |
| Loan loss allowance to noncurrent loans | 295.7609% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 3,344 |
| Noncurrent loans to loans | 0.5605% | 3,160 |
| Net loans and leases to total assets | 58.7583% | 3,995 |
| Net loans and leases to deposits | 66.5095% | 4,204 |
| Net loans and leases to core deposits | 68.1520% | 4,388 |
| Total domestic deposits to total assets | 88.3458% | 1,466 |
| Equity capital to assets | 9.8344% | 3,903 |
| Core capital (leverage) ratio | 9.5382% | 4,032 |
| Tier 1 risk-based capital ratio | 15.6860% | 2,677 |
| Total risk-based capital ratio | 16.9408% | 2,601 |
| Memoranda: | ||
| Average total assets | $413,830,200 | 1,630 |
| Average earning assets | $376,487,800 | 1,652 |
| Average equity | $42,731,200 | 1,732 |
| Average total loans | $246,715,200 | 1,807 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0887% | 2,915 |
| Cost of funding earning assets | 0.2914% | 4,196 |
| Net interest margin | 3.7973% | 2,343 |
| Noninterest income to average assets | 1.0624% | 1,006 |
| Noninterest expense to average assets | 3.3789% | 1,387 |
| Loan and lease loss provision to assets | 0.0602% | 3,053 |
| Net operating income to assets | 0.7196% | 3,743 |
| Return on assets (ROA) | 0.7196% | 3,882 |
| Pretax return on assets | 1.0784% | 3,323 |
| Return on Equity (ROE) | 6.8829% | 3,623 |
| Retained earnings to average equity (ytd only) | 6.8829% | 1,681 |
| Net charge-offs to loans | 0.0016% | 3,878 |
| Credit loss provision to net charge-offs | 6,166.6667% | 89 |
| Earnings coverage of net charge-offs (x) | 1,166.6375% | 59 |
| Efficiency ratio | 73.8820% | 2,305 |
| Assets per employee ($millions) | 3.3817% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7471% | 1,110 |
| Loan loss allowance to noncurrent loans | 384.8191% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 3,708 |
| Noncurrent loans to loans | 0.4540% | 3,653 |
| Net loans and leases to total assets | 58.0037% | 4,094 |
| Net loans and leases to deposits | 66.1648% | 4,325 |
| Net loans and leases to core deposits | 68.1290% | 4,462 |
| Total domestic deposits to total assets | 87.6655% | 1,581 |
| Equity capital to assets | 10.4138% | 3,658 |
| Core capital (leverage) ratio | 9.8056% | 3,804 |
| Tier 1 risk-based capital ratio | 15.7905% | 2,706 |
| Total risk-based capital ratio | 17.0460% | 2,643 |
| Memoranda: | ||
| Average total assets | $409,861,250 | 1,649 |
| Average earning assets | $372,917,750 | 1,670 |
| Average equity | $42,849,250 | 1,736 |
| Average total loans | $244,208,000 | 1,829 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1108% | 2,814 |
| Cost of funding earning assets | 0.3004% | 4,124 |
| Net interest margin | 3.8104% | 2,269 |
| Noninterest income to average assets | 1.0365% | 1,041 |
| Noninterest expense to average assets | 3.3971% | 1,378 |
| Loan and lease loss provision to assets | 0.0740% | 2,661 |
| Net operating income to assets | 0.6879% | 3,856 |
| Return on assets (ROA) | 0.6879% | 4,006 |
| Pretax return on assets | 1.0311% | 3,477 |
| Return on Equity (ROE) | 6.5711% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.5711% | 1,834 |
| Net charge-offs to loans | -0.0124% | 4,767 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5345% | 2,284 |
| Assets per employee ($millions) | 3.2725% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7685% | 1,139 |
| Loan loss allowance to noncurrent loans | 626.6955% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.3518% | 4,084 |
| Noncurrent loans to loans | 0.2822% | 4,363 |
| Net loans and leases to total assets | 58.9706% | 4,015 |
| Net loans and leases to deposits | 67.4029% | 4,234 |
| Net loans and leases to core deposits | 69.6007% | 4,355 |
| Total domestic deposits to total assets | 87.4897% | 1,671 |
| Equity capital to assets | 10.5857% | 3,546 |
| Core capital (leverage) ratio | 9.6923% | 3,936 |
| Tier 1 risk-based capital ratio | 16.0094% | 2,637 |
| Total risk-based capital ratio | 17.2658% | 2,573 |
| Memoranda: | ||
| Average total assets | $405,576,330 | 1,664 |
| Average earning assets | $368,884,670 | 1,692 |
| Average equity | $42,458,670 | 1,750 |
| Average total loans | $242,427,000 | 1,842 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 2,885 |
| Cost of funding earning assets | 0.3053% | 4,103 |
| Net interest margin | 3.7838% | 2,354 |
| Noninterest income to average assets | 1.0549% | 973 |
| Noninterest expense to average assets | 3.2380% | 1,749 |
| Loan and lease loss provision to assets | 0.0743% | 2,476 |
| Net operating income to assets | 0.7865% | 3,311 |
| Return on assets (ROA) | 0.7865% | 3,420 |
| Pretax return on assets | 1.1797% | 2,782 |
| Return on Equity (ROE) | 7.5552% | 3,159 |
| Retained earnings to average equity (ytd only) | 7.5552% | 1,641 |
| Net charge-offs to loans | 0.1694% | 1,126 |
| Credit loss provision to net charge-offs | 73.5294% | 1,882 |
| Earnings coverage of net charge-offs (x) | 12.4118% | 1,795 |
| Efficiency ratio | 71.1577% | 2,927 |
| Assets per employee ($millions) | 3.4149% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7288% | 1,289 |
| Loan loss allowance to noncurrent loans | 260.9051% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 3,472 |
| Noncurrent loans to loans | 0.6626% | 3,187 |
| Net loans and leases to total assets | 57.5802% | 4,089 |
| Net loans and leases to deposits | 65.8770% | 4,273 |
| Net loans and leases to core deposits | 68.0205% | 4,399 |
| Total domestic deposits to total assets | 87.4056% | 1,987 |
| Equity capital to assets | 10.3698% | 3,660 |
| Core capital (leverage) ratio | 9.8055% | 3,765 |
| Tier 1 risk-based capital ratio | 16.1134% | 2,627 |
| Total risk-based capital ratio | 17.3691% | 2,578 |
| Memoranda: | ||
| Average total assets | $403,833,000 | 1,669 |
| Average earning assets | $366,827,000 | 1,694 |
| Average equity | $42,037,000 | 1,761 |
| Average total loans | $240,855,500 | 1,854 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 2,685 |
| Cost of funding earning assets | 0.3291% | 3,922 |
| Net interest margin | 3.8364% | 2,253 |
| Noninterest income to average assets | 1.0283% | 1,120 |
| Noninterest expense to average assets | 3.3677% | 1,552 |
| Loan and lease loss provision to assets | 0.0892% | 2,516 |
| Net operating income to assets | 0.6956% | 3,831 |
| Return on assets (ROA) | 0.6956% | 3,943 |
| Pretax return on assets | 1.0339% | 3,331 |
| Return on Equity (ROE) | 6.7420% | 3,659 |
| Retained earnings to average equity (ytd only) | 5.5063% | 2,081 |
| Net charge-offs to loans | 0.2675% | 1,132 |
| Credit loss provision to net charge-offs | 55.3797% | 3,327 |
| Earnings coverage of net charge-offs (x) | 6.9699% | 3,141 |
| Efficiency ratio | 74.0305% | 2,572 |
| Assets per employee ($millions) | 3.3719% | 5,037 |
| Cash dividends to net income (ytd only)* | 18.3284% | 3,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 1,288 |
| Loan loss allowance to noncurrent loans | 287.1478% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5288% | 3,522 |
| Noncurrent loans to loans | 0.6022% | 3,366 |
| Net loans and leases to total assets | 59.6729% | 3,881 |
| Net loans and leases to deposits | 68.3568% | 4,098 |
| Net loans and leases to core deposits | 70.6535% | 4,254 |
| Total domestic deposits to total assets | 87.2962% | 1,988 |
| Equity capital to assets | 10.4504% | 3,421 |
| Core capital (leverage) ratio | 9.6388% | 3,993 |
| Tier 1 risk-based capital ratio | 15.9210% | 2,726 |
| Total risk-based capital ratio | 17.1769% | 2,661 |
| Memoranda: | ||
| Average total assets | $392,191,400 | 1,678 |
| Average earning assets | $353,980,600 | 1,705 |
| Average equity | $40,462,600 | 1,776 |
| Average total loans | $236,239,600 | 1,829 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 2,649 |
| Cost of funding earning assets | 0.3331% | 3,943 |
| Net interest margin | 3.8469% | 2,208 |
| Noninterest income to average assets | 1.0355% | 1,113 |
| Noninterest expense to average assets | 3.3612% | 1,557 |
| Loan and lease loss provision to assets | 0.0768% | 2,655 |
| Net operating income to assets | 0.7063% | 3,872 |
| Return on assets (ROA) | 0.7063% | 3,983 |
| Pretax return on assets | 1.0690% | 3,333 |
| Return on Equity (ROE) | 6.8684% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.8684% | 1,748 |
| Net charge-offs to loans | 0.1691% | 1,469 |
| Credit loss provision to net charge-offs | 75.5034% | 2,675 |
| Earnings coverage of net charge-offs (x) | 11.2685% | 2,506 |
| Efficiency ratio | 73.6165% | 2,619 |
| Assets per employee ($millions) | 3.2483% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8227% | 1,222 |
| Loan loss allowance to noncurrent loans | 296.4189% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 3,666 |
| Noncurrent loans to loans | 0.6149% | 3,471 |
| Net loans and leases to total assets | 60.1222% | 3,868 |
| Net loans and leases to deposits | 69.0294% | 4,090 |
| Net loans and leases to core deposits | 71.3843% | 4,243 |
| Total domestic deposits to total assets | 87.0965% | 1,983 |
| Equity capital to assets | 10.5427% | 3,561 |
| Core capital (leverage) ratio | 9.7216% | 4,006 |
| Tier 1 risk-based capital ratio | 15.7341% | 2,932 |
| Total risk-based capital ratio | 16.9913% | 2,859 |
| Memoranda: | ||
| Average total assets | $390,769,000 | 1,696 |
| Average earning assets | $352,625,750 | 1,725 |
| Average equity | $40,183,250 | 1,807 |
| Average total loans | $234,898,250 | 1,840 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 2,762 |
| Cost of funding earning assets | 0.3356% | 3,977 |
| Net interest margin | 3.8027% | 2,298 |
| Noninterest income to average assets | 1.0082% | 1,161 |
| Noninterest expense to average assets | 3.2307% | 1,897 |
| Loan and lease loss provision to assets | 0.0769% | 2,584 |
| Net operating income to assets | 0.7441% | 3,669 |
| Return on assets (ROA) | 0.7441% | 3,768 |
| Pretax return on assets | 1.1287% | 3,056 |
| Return on Equity (ROE) | 7.2978% | 3,440 |
| Retained earnings to average equity (ytd only) | 7.2978% | 1,572 |
| Net charge-offs to loans | 0.0987% | 2,027 |
| Credit loss provision to net charge-offs | 130.4348% | 1,691 |
| Earnings coverage of net charge-offs (x) | 20.4435% | 1,709 |
| Efficiency ratio | 71.8530% | 3,017 |
| Assets per employee ($millions) | 3.1399% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9128% | 1,135 |
| Loan loss allowance to noncurrent loans | 271.4372% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 3,590 |
| Noncurrent loans to loans | 0.7047% | 3,373 |
| Net loans and leases to total assets | 58.7278% | 4,015 |
| Net loans and leases to deposits | 67.1917% | 4,206 |
| Net loans and leases to core deposits | 69.3238% | 4,385 |
| Total domestic deposits to total assets | 87.4034% | 1,962 |
| Equity capital to assets | 10.2862% | 3,703 |
| Core capital (leverage) ratio | 9.5449% | 4,217 |
| Tier 1 risk-based capital ratio | 15.8242% | 2,942 |
| Total risk-based capital ratio | 17.0821% | 2,901 |
| Memoranda: | ||
| Average total assets | $390,011,670 | 1,706 |
| Average earning assets | $351,588,330 | 1,736 |
| Average equity | $39,765,330 | 1,835 |
| Average total loans | $232,967,000 | 1,856 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1206% | 2,749 |
| Cost of funding earning assets | 0.3363% | 4,019 |
| Net interest margin | 3.7843% | 2,280 |
| Noninterest income to average assets | 0.9342% | 1,285 |
| Noninterest expense to average assets | 3.1175% | 2,215 |
| Loan and lease loss provision to assets | 0.0772% | 2,413 |
| Net operating income to assets | 0.7521% | 3,527 |
| Return on assets (ROA) | 0.7521% | 3,664 |
| Pretax return on assets | 1.1431% | 2,892 |
| Return on Equity (ROE) | 7.4097% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.4097% | 1,805 |
| Net charge-offs to loans | 0.0776% | 1,927 |
| Credit loss provision to net charge-offs | 166.6667% | 1,169 |
| Earnings coverage of net charge-offs (x) | 26.3556% | 1,243 |
| Efficiency ratio | 70.8729% | 3,340 |
| Assets per employee ($millions) | 3.2996% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9469% | 1,193 |
| Loan loss allowance to noncurrent loans | 287.4520% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 3,582 |
| Noncurrent loans to loans | 0.6773% | 3,589 |
| Net loans and leases to total assets | 57.1115% | 4,076 |
| Net loans and leases to deposits | 65.2512% | 4,238 |
| Net loans and leases to core deposits | 67.7166% | 4,360 |
| Total domestic deposits to total assets | 87.5256% | 2,093 |
| Equity capital to assets | 10.1170% | 3,992 |
| Core capital (leverage) ratio | 9.4451% | 4,358 |
| Tier 1 risk-based capital ratio | 15.7174% | 3,052 |
| Total risk-based capital ratio | 16.9744% | 2,987 |
| Memoranda: | ||
| Average total assets | $388,774,000 | 1,717 |
| Average earning assets | $349,655,000 | 1,758 |
| Average equity | $39,462,000 | 1,858 |
| Average total loans | $231,953,500 | 1,863 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2098% | 2,921 |
| Cost of funding earning assets | 0.3645% | 4,090 |
| Net interest margin | 3.8452% | 2,444 |
| Noninterest income to average assets | 1.0512% | 1,103 |
| Noninterest expense to average assets | 3.4249% | 1,648 |
| Loan and lease loss provision to assets | 0.0676% | 3,135 |
| Net operating income to assets | 0.6803% | 3,987 |
| Return on assets (ROA) | 0.6803% | 4,105 |
| Pretax return on assets | 1.0125% | 3,445 |
| Return on Equity (ROE) | 7.0102% | 3,627 |
| Retained earnings to average equity (ytd only) | 5.6703% | 2,152 |
| Net charge-offs to loans | 0.1778% | 2,249 |
| Credit loss provision to net charge-offs | 64.0394% | 3,204 |
| Earnings coverage of net charge-offs (x) | 10.2291% | 2,637 |
| Efficiency ratio | 75.0491% | 2,658 |
| Assets per employee ($millions) | 3.1537% | 5,504 |
| Cash dividends to net income (ytd only)* | 19.1131% | 3,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9118% | 1,289 |
| Loan loss allowance to noncurrent loans | 245.3245% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7495% | 3,334 |
| Noncurrent loans to loans | 0.7793% | 3,359 |
| Net loans and leases to total assets | 59.9646% | 3,795 |
| Net loans and leases to deposits | 68.5425% | 4,076 |
| Net loans and leases to core deposits | 71.2917% | 4,190 |
| Total domestic deposits to total assets | 87.4853% | 2,042 |
| Equity capital to assets | 10.1850% | 3,875 |
| Core capital (leverage) ratio | 9.2978% | 4,542 |
| Tier 1 risk-based capital ratio | 15.4307% | 3,258 |
| Total risk-based capital ratio | 16.6890% | 3,197 |
| Memoranda: | ||
| Average total assets | $384,508,200 | 1,708 |
| Average earning assets | $345,362,200 | 1,734 |
| Average equity | $37,317,200 | 1,883 |
| Average total loans | $228,404,600 | 1,834 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1901% | 3,027 |
| Cost of funding earning assets | 0.3685% | 4,142 |
| Net interest margin | 3.8216% | 2,536 |
| Noninterest income to average assets | 1.0397% | 1,135 |
| Noninterest expense to average assets | 3.3603% | 1,766 |
| Loan and lease loss provision to assets | 0.0848% | 2,660 |
| Net operating income to assets | 0.6742% | 4,084 |
| Return on assets (ROA) | 0.6742% | 4,172 |
| Pretax return on assets | 1.0255% | 3,495 |
| Return on Equity (ROE) | 7.0330% | 3,699 |
| Retained earnings to average equity (ytd only) | 7.0330% | 1,806 |
| Net charge-offs to loans | 0.1538% | 2,259 |
| Credit loss provision to net charge-offs | 93.5115% | 2,366 |
| Earnings coverage of net charge-offs (x) | 12.2444% | 2,339 |
| Efficiency ratio | 74.1813% | 2,794 |
| Assets per employee ($millions) | 3.1539% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9836% | 1,288 |
| Loan loss allowance to noncurrent loans | 245.5324% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 3,421 |
| Noncurrent loans to loans | 0.8079% | 3,558 |
| Net loans and leases to total assets | 59.4213% | 3,879 |
| Net loans and leases to deposits | 67.8549% | 4,142 |
| Net loans and leases to core deposits | 70.4833% | 4,283 |
| Total domestic deposits to total assets | 87.5711% | 2,000 |
| Equity capital to assets | 10.0370% | 4,122 |
| Core capital (leverage) ratio | 9.2446% | 4,716 |
| Tier 1 risk-based capital ratio | 15.4713% | 3,342 |
| Total risk-based capital ratio | 16.7308% | 3,274 |
| Memoranda: | ||
| Average total assets | $385,235,250 | 1,710 |
| Average earning assets | $345,850,250 | 1,739 |
| Average equity | $36,930,000 | 1,911 |
| Average total loans | $227,184,500 | 1,856 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 3,124 |
| Cost of funding earning assets | 0.3713% | 4,195 |
| Net interest margin | 3.7841% | 2,620 |
| Noninterest income to average assets | 1.0765% | 1,027 |
| Noninterest expense to average assets | 3.2724% | 1,986 |
| Loan and lease loss provision to assets | 0.0932% | 2,472 |
| Net operating income to assets | 0.7323% | 3,663 |
| Return on assets (ROA) | 0.7323% | 3,755 |
| Pretax return on assets | 1.1081% | 3,075 |
| Return on Equity (ROE) | 7.7593% | 3,228 |
| Retained earnings to average equity (ytd only) | 7.7593% | 1,407 |
| Net charge-offs to loans | 0.1072% | 2,605 |
| Credit loss provision to net charge-offs | 148.7603% | 1,465 |
| Earnings coverage of net charge-offs (x) | 19.1818% | 1,640 |
| Efficiency ratio | 72.1772% | 3,298 |
| Assets per employee ($millions) | 3.2630% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0513% | 1,273 |
| Loan loss allowance to noncurrent loans | 218.7060% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 3,252 |
| Noncurrent loans to loans | 0.9379% | 3,370 |
| Net loans and leases to total assets | 57.3677% | 4,071 |
| Net loans and leases to deposits | 65.2293% | 4,358 |
| Net loans and leases to core deposits | 67.9891% | 4,471 |
| Total domestic deposits to total assets | 87.9478% | 1,930 |
| Equity capital to assets | 9.7127% | 4,471 |
| Core capital (leverage) ratio | 9.0019% | 5,012 |
| Tier 1 risk-based capital ratio | 15.3871% | 3,421 |
| Total risk-based capital ratio | 16.6472% | 3,356 |
| Memoranda: | ||
| Average total assets | $386,440,670 | 1,703 |
| Average earning assets | $346,922,670 | 1,727 |
| Average equity | $36,472,330 | 1,922 |
| Average total loans | $225,795,330 | 1,858 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 3,013 |
| Cost of funding earning assets | 0.3715% | 4,300 |
| Net interest margin | 3.7930% | 2,500 |
| Noninterest income to average assets | 1.0106% | 1,109 |
| Noninterest expense to average assets | 3.2310% | 2,123 |
| Loan and lease loss provision to assets | 0.0934% | 2,361 |
| Net operating income to assets | 0.7180% | 3,587 |
| Return on assets (ROA) | 0.7180% | 3,672 |
| Pretax return on assets | 1.0863% | 2,971 |
| Return on Equity (ROE) | 7.7207% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.7207% | 1,713 |
| Net charge-offs to loans | 0.0267% | 3,038 |
| Credit loss provision to net charge-offs | 600.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 75.8000% | 564 |
| Efficiency ratio | 72.2653% | 3,439 |
| Assets per employee ($millions) | 3.2376% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0791% | 1,372 |
| Loan loss allowance to noncurrent loans | 239.5599% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 3,875 |
| Noncurrent loans to loans | 0.8679% | 3,722 |
| Net loans and leases to total assets | 56.2758% | 4,110 |
| Net loans and leases to deposits | 63.6969% | 4,350 |
| Net loans and leases to core deposits | 66.2537% | 4,470 |
| Total domestic deposits to total assets | 88.3493% | 2,027 |
| Equity capital to assets | 9.2964% | 4,762 |
| Core capital (leverage) ratio | 8.9726% | 5,055 |
| Tier 1 risk-based capital ratio | 15.0685% | 3,677 |
| Total risk-based capital ratio | 16.3285% | 3,624 |
| Memoranda: | ||
| Average total assets | $385,513,500 | 1,719 |
| Average earning assets | $345,579,500 | 1,744 |
| Average equity | $35,851,500 | 1,948 |
| Average total loans | $224,982,500 | 1,867 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2415% | 3,184 |
| Cost of funding earning assets | 0.4243% | 4,385 |
| Net interest margin | 3.8171% | 2,590 |
| Noninterest income to average assets | 1.0562% | 1,263 |
| Noninterest expense to average assets | 3.3140% | 2,108 |
| Loan and lease loss provision to assets | 0.1268% | 2,725 |
| Net operating income to assets | 0.6911% | 3,835 |
| Return on assets (ROA) | 0.6911% | 3,934 |
| Pretax return on assets | 1.0464% | 3,166 |
| Return on Equity (ROE) | 7.6213% | 3,235 |
| Retained earnings to average equity (ytd only) | 6.2089% | 1,841 |
| Net charge-offs to loans | 0.1856% | 2,979 |
| Credit loss provision to net charge-offs | 118.4211% | 2,026 |
| Earnings coverage of net charge-offs (x) | 10.9569% | 2,293 |
| Efficiency ratio | 72.8892% | 3,312 |
| Assets per employee ($millions) | 3.0835% | 5,704 |
| Cash dividends to net income (ytd only)* | 18.5322% | 3,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0487% | 1,444 |
| Loan loss allowance to noncurrent loans | 209.7450% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.8427% | 3,785 |
| Noncurrent loans to loans | 0.9768% | 3,570 |
| Net loans and leases to total assets | 58.0625% | 4,025 |
| Net loans and leases to deposits | 65.7149% | 4,330 |
| Net loans and leases to core deposits | 68.3304% | 4,471 |
| Total domestic deposits to total assets | 88.3551% | 1,978 |
| Equity capital to assets | 9.3030% | 4,688 |
| Core capital (leverage) ratio | 8.7609% | 5,351 |
| Tier 1 risk-based capital ratio | 14.8455% | 3,753 |
| Total risk-based capital ratio | 16.1054% | 3,699 |
| Memoranda: | ||
| Average total assets | $390,377,400 | 1,691 |
| Average earning assets | $350,891,200 | 1,704 |
| Average equity | $35,400,800 | 1,947 |
| Average total loans | $225,246,200 | 1,817 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 3,376 |
| Cost of funding earning assets | 0.4343% | 4,458 |
| Net interest margin | 3.7711% | 2,744 |
| Noninterest income to average assets | 1.0947% | 1,217 |
| Noninterest expense to average assets | 3.2706% | 2,145 |
| Loan and lease loss provision to assets | 0.1000% | 3,090 |
| Net operating income to assets | 0.7315% | 3,690 |
| Return on assets (ROA) | 0.7315% | 3,819 |
| Pretax return on assets | 1.1191% | 3,020 |
| Return on Equity (ROE) | 8.1172% | 3,067 |
| Retained earnings to average equity (ytd only) | 8.1172% | 1,363 |
| Net charge-offs to loans | 0.0988% | 3,568 |
| Credit loss provision to net charge-offs | 176.6467% | 1,364 |
| Earnings coverage of net charge-offs (x) | 21.5270% | 1,541 |
| Efficiency ratio | 71.8861% | 3,425 |
| Assets per employee ($millions) | 3.0957% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0713% | 1,566 |
| Loan loss allowance to noncurrent loans | 227.7262% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 4,045 |
| Noncurrent loans to loans | 0.9095% | 4,001 |
| Net loans and leases to total assets | 57.3587% | 4,110 |
| Net loans and leases to deposits | 64.9968% | 4,408 |
| Net loans and leases to core deposits | 67.4487% | 4,575 |
| Total domestic deposits to total assets | 88.2486% | 1,970 |
| Equity capital to assets | 9.2078% | 4,929 |
| Core capital (leverage) ratio | 8.6830% | 5,563 |
| Tier 1 risk-based capital ratio | 14.8461% | 3,846 |
| Total risk-based capital ratio | 16.1060% | 3,800 |
| Memoranda: | ||
| Average total assets | $393,153,250 | 1,684 |
| Average earning assets | $353,949,000 | 1,708 |
| Average equity | $35,430,000 | 1,961 |
| Average total loans | $225,352,250 | 1,818 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1446% | 3,564 |
| Cost of funding earning assets | 0.4425% | 4,515 |
| Net interest margin | 3.7021% | 2,949 |
| Noninterest income to average assets | 1.0483% | 1,385 |
| Noninterest expense to average assets | 3.1253% | 2,591 |
| Loan and lease loss provision to assets | 0.1161% | 2,870 |
| Net operating income to assets | 0.7500% | 3,566 |
| Return on assets (ROA) | 0.7500% | 3,721 |
| Pretax return on assets | 1.1427% | 2,919 |
| Return on Equity (ROE) | 8.3817% | 2,906 |
| Retained earnings to average equity (ytd only) | 8.3817% | 1,342 |
| Net charge-offs to loans | 0.1020% | 3,342 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 21.6870% | 1,403 |
| Efficiency ratio | 70.3201% | 3,763 |
| Assets per employee ($millions) | 3.2584% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0771% | 1,683 |
| Loan loss allowance to noncurrent loans | 310.2204% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 4,393 |
| Noncurrent loans to loans | 0.6696% | 4,599 |
| Net loans and leases to total assets | 54.1872% | 4,565 |
| Net loans and leases to deposits | 60.8599% | 4,881 |
| Net loans and leases to core deposits | 63.0809% | 4,991 |
| Total domestic deposits to total assets | 89.0360% | 1,614 |
| Equity capital to assets | 8.7543% | 5,487 |
| Core capital (leverage) ratio | 8.1530% | 6,058 |
| Tier 1 risk-based capital ratio | 14.5818% | 4,045 |
| Total risk-based capital ratio | 15.8420% | 4,001 |
| Memoranda: | ||
| Average total assets | $396,247,670 | 1,669 |
| Average earning assets | $357,040,330 | 1,700 |
| Average equity | $35,458,000 | 1,962 |
| Average total loans | $225,523,000 | 1,820 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1585% | 3,478 |
| Cost of funding earning assets | 0.4614% | 4,466 |
| Net interest margin | 3.6971% | 2,863 |
| Noninterest income to average assets | 1.1143% | 1,198 |
| Noninterest expense to average assets | 3.1839% | 2,404 |
| Loan and lease loss provision to assets | 0.1682% | 2,175 |
| Net operating income to assets | 0.7228% | 3,575 |
| Return on assets (ROA) | 0.7228% | 3,713 |
| Pretax return on assets | 1.0949% | 2,974 |
| Return on Equity (ROE) | 7.9884% | 2,978 |
| Retained earnings to average equity (ytd only) | 7.9884% | 1,755 |
| Net charge-offs to loans | 0.1130% | 2,750 |
| Credit loss provision to net charge-offs | 257.8125% | 901 |
| Earnings coverage of net charge-offs (x) | 19.3594% | 1,227 |
| Efficiency ratio | 70.6327% | 3,868 |
| Assets per employee ($millions) | 3.2387% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0584% | 1,897 |
| Loan loss allowance to noncurrent loans | 222.3823% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 4,462 |
| Noncurrent loans to loans | 0.9256% | 4,282 |
| Net loans and leases to total assets | 54.8556% | 4,266 |
| Net loans and leases to deposits | 61.7171% | 4,589 |
| Net loans and leases to core deposits | 64.1499% | 4,727 |
| Total domestic deposits to total assets | 88.8823% | 1,746 |
| Equity capital to assets | 8.9263% | 5,578 |
| Core capital (leverage) ratio | 8.1100% | 6,034 |
| Tier 1 risk-based capital ratio | 14.2265% | 4,341 |
| Total risk-based capital ratio | 15.4869% | 4,302 |
| Memoranda: | ||
| Average total assets | $392,351,500 | 1,701 |
| Average earning assets | $353,685,000 | 1,720 |
| Average equity | $35,501,500 | 1,986 |
| Average total loans | $226,493,500 | 1,824 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 2,682 |
| Cost of funding earning assets | 0.5807% | 4,527 |
| Net interest margin | 4.0972% | 2,019 |
| Noninterest income to average assets | 1.0203% | 1,478 |
| Noninterest expense to average assets | 3.3446% | 2,205 |
| Loan and lease loss provision to assets | 0.3379% | 1,986 |
| Net operating income to assets | 0.6273% | 4,101 |
| Return on assets (ROA) | 0.6273% | 4,368 |
| Pretax return on assets | 0.9674% | 3,668 |
| Return on Equity (ROE) | 6.7794% | 3,767 |
| Retained earnings to average equity (ytd only) | 5.3302% | 2,483 |
| Net charge-offs to loans | 0.3945% | 2,675 |
| Credit loss provision to net charge-offs | 140.6250% | 1,958 |
| Earnings coverage of net charge-offs (x) | 5.4319% | 3,038 |
| Efficiency ratio | 70.9523% | 3,631 |
| Assets per employee ($millions) | 3.0405% | 5,953 |
| Cash dividends to net income (ytd only)* | 21.3767% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9859% | 2,049 |
| Loan loss allowance to noncurrent loans | 278.5363% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.7609% | 4,570 |
| Noncurrent loans to loans | 0.7130% | 4,759 |
| Net loans and leases to total assets | 58.3468% | 3,912 |
| Net loans and leases to deposits | 65.9278% | 4,300 |
| Net loans and leases to core deposits | 68.8926% | 4,445 |
| Total domestic deposits to total assets | 88.5009% | 1,901 |
| Equity capital to assets | 9.1764% | 5,299 |
| Core capital (leverage) ratio | 8.2155% | 5,983 |
| Tier 1 risk-based capital ratio | 13.7444% | 4,568 |
| Total risk-based capital ratio | 15.0037% | 4,520 |
| Memoranda: | ||
| Average total assets | $372,843,400 | 1,745 |
| Average earning assets | $330,299,600 | 1,790 |
| Average equity | $34,501,600 | 2,008 |
| Average total loans | $227,121,800 | 1,795 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7543% | 2,563 |
| Cost of funding earning assets | 0.6047% | 4,596 |
| Net interest margin | 4.1496% | 1,902 |
| Noninterest income to average assets | 1.0666% | 1,328 |
| Noninterest expense to average assets | 3.3322% | 2,181 |
| Loan and lease loss provision to assets | 0.2863% | 2,282 |
| Net operating income to assets | 0.7223% | 3,816 |
| Return on assets (ROA) | 0.7223% | 4,060 |
| Pretax return on assets | 1.1123% | 3,305 |
| Return on Equity (ROE) | 7.7890% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.7890% | 1,710 |
| Net charge-offs to loans | 0.3250% | 2,828 |
| Credit loss provision to net charge-offs | 143.7613% | 1,994 |
| Earnings coverage of net charge-offs (x) | 7.0236% | 2,673 |
| Efficiency ratio | 69.4702% | 3,792 |
| Assets per employee ($millions) | 3.0147% | 6,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9178% | 2,418 |
| Loan loss allowance to noncurrent loans | 190.9445% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.9917% | 4,296 |
| Noncurrent loans to loans | 1.0044% | 4,447 |
| Net loans and leases to total assets | 59.8105% | 3,817 |
| Net loans and leases to deposits | 67.7832% | 4,218 |
| Net loans and leases to core deposits | 70.8457% | 4,395 |
| Total domestic deposits to total assets | 88.2380% | 1,883 |
| Equity capital to assets | 9.3727% | 5,377 |
| Core capital (leverage) ratio | 8.4096% | 5,885 |
| Tier 1 risk-based capital ratio | 13.7622% | 4,715 |
| Total risk-based capital ratio | 15.0211% | 4,663 |
| Memoranda: | ||
| Average total assets | $370,279,000 | 1,781 |
| Average earning assets | $326,967,000 | 1,837 |
| Average equity | $34,338,250 | 2,030 |
| Average total loans | $226,888,250 | 1,807 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 2,549 |
| Cost of funding earning assets | 0.6319% | 4,609 |
| Net interest margin | 4.1575% | 1,876 |
| Noninterest income to average assets | 1.1421% | 1,092 |
| Noninterest expense to average assets | 3.3823% | 2,073 |
| Loan and lease loss provision to assets | 0.2988% | 2,192 |
| Net operating income to assets | 0.7384% | 3,654 |
| Return on assets (ROA) | 0.7384% | 3,931 |
| Pretax return on assets | 1.1361% | 3,162 |
| Return on Equity (ROE) | 7.9915% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.9915% | 1,643 |
| Net charge-offs to loans | 0.1850% | 3,474 |
| Credit loss provision to net charge-offs | 263.1579% | 1,092 |
| Earnings coverage of net charge-offs (x) | 12.6364% | 1,857 |
| Efficiency ratio | 69.2646% | 3,884 |
| Assets per employee ($millions) | 2.8991% | 6,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9852% | 2,267 |
| Loan loss allowance to noncurrent loans | 173.8426% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 1.2851% | 3,854 |
| Noncurrent loans to loans | 1.1420% | 4,243 |
| Net loans and leases to total assets | 59.9511% | 3,829 |
| Net loans and leases to deposits | 67.9552% | 4,211 |
| Net loans and leases to core deposits | 70.8057% | 4,437 |
| Total domestic deposits to total assets | 88.2215% | 2,009 |
| Equity capital to assets | 9.3656% | 5,240 |
| Core capital (leverage) ratio | 8.2187% | 6,026 |
| Tier 1 risk-based capital ratio | 13.6059% | 4,735 |
| Total risk-based capital ratio | 14.8654% | 4,699 |
| Memoranda: | ||
| Average total assets | $368,092,000 | 1,791 |
| Average earning assets | $325,387,670 | 1,845 |
| Average equity | $34,011,000 | 2,038 |
| Average total loans | $225,918,670 | 1,806 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 2,581 |
| Cost of funding earning assets | 0.6533% | 4,700 |
| Net interest margin | 4.1595% | 1,897 |
| Noninterest income to average assets | 1.1151% | 1,135 |
| Noninterest expense to average assets | 3.4185% | 1,954 |
| Loan and lease loss provision to assets | 0.3164% | 1,980 |
| Net operating income to assets | 0.6972% | 3,896 |
| Return on assets (ROA) | 0.6972% | 4,115 |
| Pretax return on assets | 1.0693% | 3,438 |
| Return on Equity (ROE) | 7.5983% | 3,450 |
| Retained earnings to average equity (ytd only) | 7.5983% | 2,126 |
| Net charge-offs to loans | 0.1136% | 3,436 |
| Credit loss provision to net charge-offs | 453.1250% | 713 |
| Earnings coverage of net charge-offs (x) | 19.8438% | 1,212 |
| Efficiency ratio | 70.2021% | 3,773 |
| Assets per employee ($millions) | 3.0698% | 6,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 2,517 |
| Loan loss allowance to noncurrent loans | 155.7092% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 1.3778% | 3,812 |
| Noncurrent loans to loans | 1.2536% | 4,240 |
| Net loans and leases to total assets | 58.8908% | 3,885 |
| Net loans and leases to deposits | 66.7446% | 4,271 |
| Net loans and leases to core deposits | 69.7085% | 4,464 |
| Total domestic deposits to total assets | 88.2330% | 2,170 |
| Equity capital to assets | 9.0368% | 5,437 |
| Core capital (leverage) ratio | 8.1530% | 6,093 |
| Tier 1 risk-based capital ratio | 13.2794% | 5,003 |
| Total risk-based capital ratio | 14.5381% | 4,982 |
| Memoranda: | ||
| Average total assets | $366,592,500 | 1,806 |
| Average earning assets | $325,133,500 | 1,854 |
| Average equity | $33,639,000 | 2,060 |
| Average total loans | $225,388,500 | 1,821 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1362% | 2,306 |
| Cost of funding earning assets | 0.7877% | 4,954 |
| Net interest margin | 4.3485% | 1,548 |
| Noninterest income to average assets | 1.0083% | 1,349 |
| Noninterest expense to average assets | 3.6439% | 1,653 |
| Loan and lease loss provision to assets | 0.2645% | 3,576 |
| Net operating income to assets | 0.6252% | 3,854 |
| Return on assets (ROA) | 0.6233% | 4,069 |
| Pretax return on assets | 0.9609% | 3,388 |
| Return on Equity (ROE) | 6.5180% | 3,633 |
| Retained earnings to average equity (ytd only) | 4.6742% | 2,866 |
| Net charge-offs to loans | 0.2850% | 3,994 |
| Credit loss provision to net charge-offs | 148.2702% | 1,919 |
| Earnings coverage of net charge-offs (x) | 6.8863% | 2,432 |
| Efficiency ratio | 74.1435% | 3,212 |
| Assets per employee ($millions) | 2.9889% | 6,106 |
| Cash dividends to net income (ytd only)* | 28.2885% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8443% | 2,730 |
| Loan loss allowance to noncurrent loans | 127.3700% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 1.3720% | 3,947 |
| Noncurrent loans to loans | 1.4480% | 3,995 |
| Net loans and leases to total assets | 61.8022% | 3,639 |
| Net loans and leases to deposits | 70.3489% | 4,040 |
| Net loans and leases to core deposits | 73.8286% | 4,263 |
| Total domestic deposits to total assets | 87.8509% | 2,250 |
| Equity capital to assets | 9.3217% | 5,120 |
| Core capital (leverage) ratio | 8.0344% | 6,221 |
| Tier 1 risk-based capital ratio | 13.0591% | 5,016 |
| Total risk-based capital ratio | 14.3171% | 4,987 |
| Memoranda: | ||
| Average total assets | $340,291,800 | 1,898 |
| Average earning assets | $302,383,400 | 1,940 |
| Average equity | $32,540,600 | 2,046 |
| Average total loans | $212,949,200 | 1,931 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 2,478 |
| Cost of funding earning assets | 0.8072% | 5,100 |
| Net interest margin | 4.3213% | 1,635 |
| Noninterest income to average assets | 0.9405% | 1,515 |
| Noninterest expense to average assets | 3.5869% | 1,735 |
| Loan and lease loss provision to assets | 0.2681% | 3,361 |
| Net operating income to assets | 0.5991% | 4,089 |
| Return on assets (ROA) | 0.5966% | 4,283 |
| Pretax return on assets | 0.9171% | 3,697 |
| Return on Equity (ROE) | 6.1968% | 3,928 |
| Retained earnings to average equity (ytd only) | 5.7842% | 2,686 |
| Net charge-offs to loans | 0.2486% | 3,876 |
| Credit loss provision to net charge-offs | 172.6343% | 1,737 |
| Earnings coverage of net charge-offs (x) | 7.6573% | 2,321 |
| Efficiency ratio | 74.5613% | 3,076 |
| Assets per employee ($millions) | 3.0287% | 6,053 |
| Cash dividends to net income (ytd only)* | 6.6578% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 2,873 |
| Loan loss allowance to noncurrent loans | 129.7939% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 1.4773% | 3,905 |
| Noncurrent loans to loans | 1.4008% | 4,193 |
| Net loans and leases to total assets | 61.7486% | 3,791 |
| Net loans and leases to deposits | 70.1897% | 4,266 |
| Net loans and leases to core deposits | 73.8608% | 4,464 |
| Total domestic deposits to total assets | 87.9739% | 2,046 |
| Equity capital to assets | 9.1803% | 5,541 |
| Core capital (leverage) ratio | 8.5423% | 5,652 |
| Tier 1 risk-based capital ratio | 13.0791% | 5,038 |
| Total risk-based capital ratio | 14.3366% | 5,009 |
| Memoranda: | ||
| Average total assets | $335,697,250 | 1,931 |
| Average earning assets | $297,960,750 | 1,972 |
| Average equity | $32,317,250 | 2,054 |
| Average total loans | $209,728,750 | 1,975 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1740% | 2,366 |
| Cost of funding earning assets | 0.8351% | 5,167 |
| Net interest margin | 4.3389% | 1,539 |
| Noninterest income to average assets | 0.8736% | 1,736 |
| Noninterest expense to average assets | 3.5258% | 1,919 |
| Loan and lease loss provision to assets | 0.2757% | 3,174 |
| Net operating income to assets | 0.6025% | 4,053 |
| Return on assets (ROA) | 0.5986% | 4,208 |
| Pretax return on assets | 0.9208% | 3,546 |
| Return on Equity (ROE) | 6.1124% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.1124% | 2,354 |
| Net charge-offs to loans | 0.3175% | 3,283 |
| Credit loss provision to net charge-offs | 139.3189% | 2,185 |
| Earnings coverage of net charge-offs (x) | 6.0774% | 2,477 |
| Efficiency ratio | 74.0088% | 3,360 |
| Assets per employee ($millions) | 2.8086% | 6,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9826% | 2,415 |
| Loan loss allowance to noncurrent loans | 128.7923% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 1.5109% | 3,933 |
| Noncurrent loans to loans | 1.5394% | 4,100 |
| Net loans and leases to total assets | 60.1631% | 4,241 |
| Net loans and leases to deposits | 69.4130% | 4,509 |
| Net loans and leases to core deposits | 74.1140% | 4,569 |
| Total domestic deposits to total assets | 86.6742% | 2,943 |
| Equity capital to assets | 9.9796% | 4,176 |
| Core capital (leverage) ratio | 8.9868% | 4,747 |
| Tier 1 risk-based capital ratio | 14.7920% | 3,620 |
| Total risk-based capital ratio | 16.0511% | 3,586 |
| Memoranda: | ||
| Average total assets | $326,448,670 | 1,991 |
| Average earning assets | $290,024,330 | 2,036 |
| Average equity | $31,968,000 | 2,067 |
| Average total loans | $203,446,000 | 2,053 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1886% | 2,261 |
| Cost of funding earning assets | 0.8802% | 5,065 |
| Net interest margin | 4.3084% | 1,537 |
| Noninterest income to average assets | 0.8999% | 1,668 |
| Noninterest expense to average assets | 3.5812% | 1,811 |
| Loan and lease loss provision to assets | 0.2766% | 2,942 |
| Net operating income to assets | 0.5674% | 4,195 |
| Return on assets (ROA) | 0.5594% | 4,314 |
| Pretax return on assets | 0.8569% | 3,676 |
| Return on Equity (ROE) | 5.7677% | 4,034 |
| Retained earnings to average equity (ytd only) | 5.7677% | 2,770 |
| Net charge-offs to loans | 0.2878% | 2,912 |
| Credit loss provision to net charge-offs | 153.0612% | 1,871 |
| Earnings coverage of net charge-offs (x) | 6.3401% | 2,115 |
| Efficiency ratio | 75.1886% | 3,302 |
| Assets per employee ($millions) | 2.8605% | 6,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9730% | 2,485 |
| Loan loss allowance to noncurrent loans | 131.9746% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 1.4829% | 4,031 |
| Noncurrent loans to loans | 1.4950% | 4,228 |
| Net loans and leases to total assets | 58.6371% | 4,525 |
| Net loans and leases to deposits | 67.3081% | 4,782 |
| Net loans and leases to core deposits | 71.3794% | 4,873 |
| Total domestic deposits to total assets | 87.1174% | 2,883 |
| Equity capital to assets | 9.4925% | 4,448 |
| Core capital (leverage) ratio | 8.9461% | 4,698 |
| Tier 1 risk-based capital ratio | 14.6271% | 3,658 |
| Total risk-based capital ratio | 15.8858% | 3,612 |
| Memoranda: | ||
| Average total assets | $325,368,000 | 2,007 |
| Average earning assets | $289,016,000 | 2,063 |
| Average equity | $31,555,000 | 2,076 |
| Average total loans | $204,318,500 | 2,062 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7542% | 1,392 |
| Cost of funding earning assets | 1.1967% | 4,580 |
| Net interest margin | 4.5575% | 1,113 |
| Noninterest income to average assets | 0.9069% | 1,833 |
| Noninterest expense to average assets | 3.5690% | 2,003 |
| Loan and lease loss provision to assets | 0.3714% | 3,897 |
| Net operating income to assets | 0.6433% | 3,468 |
| Return on assets (ROA) | 0.6433% | 3,619 |
| Pretax return on assets | 0.9901% | 2,961 |
| Return on Equity (ROE) | 6.4908% | 3,352 |
| Retained earnings to average equity (ytd only) | 4.0986% | 2,987 |
| Net charge-offs to loans | 0.5556% | 3,397 |
| Credit loss provision to net charge-offs | 100.0852% | 4,555 |
| Earnings coverage of net charge-offs (x) | 3.6687% | 3,245 |
| Efficiency ratio | 71.8343% | 3,822 |
| Assets per employee ($millions) | 2.7724% | 6,566 |
| Cash dividends to net income (ytd only)* | 36.8550% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8576% | 2,670 |
| Loan loss allowance to noncurrent loans | 119.5062% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 1.4374% | 4,179 |
| Noncurrent loans to loans | 1.5544% | 4,168 |
| Net loans and leases to total assets | 64.7254% | 3,725 |
| Net loans and leases to deposits | 74.7871% | 4,065 |
| Net loans and leases to core deposits | 79.5339% | 4,269 |
| Total domestic deposits to total assets | 86.5462% | 3,056 |
| Equity capital to assets | 9.9161% | 3,861 |
| Core capital (leverage) ratio | 9.1006% | 4,357 |
| Tier 1 risk-based capital ratio | 13.8814% | 3,939 |
| Total risk-based capital ratio | 15.1389% | 3,916 |
| Memoranda: | ||
| Average total assets | $316,338,600 | 2,056 |
| Average earning assets | $279,274,000 | 2,117 |
| Average equity | $31,352,200 | 2,092 |
| Average total loans | $211,303,600 | 2,054 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8332% | 1,300 |
| Cost of funding earning assets | 1.2451% | 4,602 |
| Net interest margin | 4.5881% | 1,069 |
| Noninterest income to average assets | 0.8975% | 1,807 |
| Noninterest expense to average assets | 3.5670% | 1,858 |
| Loan and lease loss provision to assets | 0.3476% | 3,830 |
| Net operating income to assets | 0.6696% | 3,545 |
| Return on assets (ROA) | 0.6696% | 3,707 |
| Pretax return on assets | 1.0294% | 3,075 |
| Return on Equity (ROE) | 6.7568% | 3,454 |
| Retained earnings to average equity (ytd only) | 5.6938% | 2,548 |
| Net charge-offs to loans | 0.4811% | 3,352 |
| Credit loss provision to net charge-offs | 107.8431% | 3,952 |
| Earnings coverage of net charge-offs (x) | 4.2719% | 3,127 |
| Efficiency ratio | 71.5929% | 3,782 |
| Assets per employee ($millions) | 2.7516% | 6,686 |
| Cash dividends to net income (ytd only)* | 15.7334% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 2,678 |
| Loan loss allowance to noncurrent loans | 170.7646% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 1.0221% | 5,052 |
| Noncurrent loans to loans | 1.0745% | 5,085 |
| Net loans and leases to total assets | 67.0455% | 3,452 |
| Net loans and leases to deposits | 77.7832% | 3,867 |
| Net loans and leases to core deposits | 83.2728% | 4,056 |
| Total domestic deposits to total assets | 86.1954% | 2,977 |
| Equity capital to assets | 10.1827% | 3,901 |
| Core capital (leverage) ratio | 9.2333% | 4,308 |
| Tier 1 risk-based capital ratio | 13.5955% | 4,123 |
| Total risk-based capital ratio | 14.8532% | 4,066 |
| Memoranda: | ||
| Average total assets | $316,410,250 | 2,086 |
| Average earning assets | $279,061,000 | 2,154 |
| Average equity | $31,355,250 | 2,106 |
| Average total loans | $212,020,000 | 2,079 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8389% | 1,321 |
| Cost of funding earning assets | 1.2879% | 4,610 |
| Net interest margin | 4.5510% | 1,102 |
| Noninterest income to average assets | 0.8490% | 1,887 |
| Noninterest expense to average assets | 3.4457% | 2,152 |
| Loan and lease loss provision to assets | 0.3151% | 3,859 |
| Net operating income to assets | 0.7116% | 3,354 |
| Return on assets (ROA) | 0.7116% | 3,510 |
| Pretax return on assets | 1.0948% | 2,803 |
| Return on Equity (ROE) | 7.2465% | 3,197 |
| Retained earnings to average equity (ytd only) | 7.2465% | 1,731 |
| Net charge-offs to loans | 0.5651% | 2,844 |
| Credit loss provision to net charge-offs | 83.7521% | 4,600 |
| Earnings coverage of net charge-offs (x) | 3.7471% | 3,194 |
| Efficiency ratio | 70.4050% | 4,109 |
| Assets per employee ($millions) | 2.8053% | 6,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 2,858 |
| Loan loss allowance to noncurrent loans | 133.9248% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 1.1654% | 4,804 |
| Noncurrent loans to loans | 1.3133% | 4,754 |
| Net loans and leases to total assets | 65.9184% | 3,854 |
| Net loans and leases to deposits | 76.1272% | 4,312 |
| Net loans and leases to core deposits | 82.3172% | 4,369 |
| Total domestic deposits to total assets | 86.5897% | 2,762 |
| Equity capital to assets | 9.9456% | 4,085 |
| Core capital (leverage) ratio | 9.0396% | 4,548 |
| Tier 1 risk-based capital ratio | 13.6578% | 3,968 |
| Total risk-based capital ratio | 14.9147% | 3,925 |
| Memoranda: | ||
| Average total assets | $317,321,000 | 2,096 |
| Average earning assets | $279,367,670 | 2,164 |
| Average equity | $31,160,000 | 2,113 |
| Average total loans | $211,280,670 | 2,109 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8185% | 1,406 |
| Cost of funding earning assets | 1.3958% | 4,209 |
| Net interest margin | 4.4227% | 1,328 |
| Noninterest income to average assets | 0.8378% | 1,851 |
| Noninterest expense to average assets | 3.2460% | 2,716 |
| Loan and lease loss provision to assets | 0.2847% | 3,750 |
| Net operating income to assets | 0.7732% | 3,085 |
| Return on assets (ROA) | 0.7732% | 3,199 |
| Pretax return on assets | 1.1845% | 2,418 |
| Return on Equity (ROE) | 7.9255% | 2,922 |
| Retained earnings to average equity (ytd only) | 7.9255% | 1,737 |
| Net charge-offs to loans | 0.3301% | 3,085 |
| Credit loss provision to net charge-offs | 130.0578% | 2,715 |
| Earnings coverage of net charge-offs (x) | 6.7110% | 2,183 |
| Efficiency ratio | 68.2501% | 4,673 |
| Assets per employee ($millions) | 2.8232% | 6,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 2,519 |
| Loan loss allowance to noncurrent loans | 163.6629% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 1.0300% | 5,092 |
| Noncurrent loans to loans | 1.1450% | 5,084 |
| Net loans and leases to total assets | 64.3914% | 4,245 |
| Net loans and leases to deposits | 74.7381% | 4,639 |
| Net loans and leases to core deposits | 81.0374% | 4,616 |
| Total domestic deposits to total assets | 86.1560% | 3,064 |
| Equity capital to assets | 9.7662% | 4,152 |
| Core capital (leverage) ratio | 8.8726% | 4,765 |
| Tier 1 risk-based capital ratio | 13.4616% | 4,015 |
| Total risk-based capital ratio | 14.7195% | 3,973 |
| Memoranda: | ||
| Average total assets | $316,081,500 | 2,153 |
| Average earning assets | $277,114,500 | 2,225 |
| Average equity | $30,837,000 | 2,155 |
| Average total loans | $209,630,500 | 2,179 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3690% | 888 |
| Cost of funding earning assets | 1.8462% | 3,754 |
| Net interest margin | 4.5228% | 1,126 |
| Noninterest income to average assets | 0.8611% | 2,138 |
| Noninterest expense to average assets | 3.5054% | 2,360 |
| Loan and lease loss provision to assets | 0.3522% | 4,691 |
| Net operating income to assets | 0.6440% | 3,163 |
| Return on assets (ROA) | 0.6452% | 3,216 |
| Pretax return on assets | 0.9927% | 2,613 |
| Return on Equity (ROE) | 6.6327% | 2,939 |
| Retained earnings to average equity (ytd only) | 3.3410% | 2,831 |
| Net charge-offs to loans | 0.4909% | 3,805 |
| Credit loss provision to net charge-offs | 103.1895% | 5,352 |
| Earnings coverage of net charge-offs (x) | 3.9343% | 3,134 |
| Efficiency ratio | 71.7324% | 4,315 |
| Assets per employee ($millions) | 2.8211% | 6,624 |
| Cash dividends to net income (ytd only)* | 49.6278% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8441% | 2,418 |
| Loan loss allowance to noncurrent loans | 159.8266% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 1.1611% | 4,769 |
| Noncurrent loans to loans | 1.1538% | 5,024 |
| Net loans and leases to total assets | 65.7992% | 4,207 |
| Net loans and leases to deposits | 77.8805% | 4,400 |
| Net loans and leases to core deposits | 98.3875% | 4,187 |
| Total domestic deposits to total assets | 84.4874% | 3,799 |
| Equity capital to assets | 9.7456% | 4,077 |
| Core capital (leverage) ratio | 8.7082% | 4,913 |
| Tier 1 risk-based capital ratio | 13.1022% | 4,081 |
| Total risk-based capital ratio | 14.3595% | 4,023 |
| Memoranda: | ||
| Average total assets | $312,286,400 | 2,151 |
| Average earning assets | $275,316,800 | 2,203 |
| Average equity | $30,379,800 | 2,201 |
| Average total loans | $217,146,800 | 2,128 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4462% | 844 |
| Cost of funding earning assets | 1.9138% | 3,803 |
| Net interest margin | 4.5325% | 1,116 |
| Noninterest income to average assets | 0.8673% | 2,115 |
| Noninterest expense to average assets | 3.4948% | 2,298 |
| Loan and lease loss provision to assets | 0.2563% | 4,898 |
| Net operating income to assets | 0.7289% | 3,103 |
| Return on assets (ROA) | 0.7306% | 3,161 |
| Pretax return on assets | 1.1266% | 2,484 |
| Return on Equity (ROE) | 7.5133% | 2,863 |
| Retained earnings to average equity (ytd only) | 6.4149% | 1,756 |
| Net charge-offs to loans | 0.2923% | 4,199 |
| Credit loss provision to net charge-offs | 125.0000% | 4,022 |
| Earnings coverage of net charge-offs (x) | 6.7313% | 2,551 |
| Efficiency ratio | 71.1156% | 4,405 |
| Assets per employee ($millions) | 2.8513% | 6,527 |
| Cash dividends to net income (ytd only)* | 14.6201% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8268% | 2,199 |
| Loan loss allowance to noncurrent loans | 183.4492% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 5,230 |
| Noncurrent loans to loans | 0.9958% | 5,313 |
| Net loans and leases to total assets | 67.1903% | 4,136 |
| Net loans and leases to deposits | 79.7315% | 4,434 |
| Net loans and leases to core deposits | 101.9444% | 4,162 |
| Total domestic deposits to total assets | 84.2707% | 3,593 |
| Equity capital to assets | 9.8202% | 4,324 |
| Core capital (leverage) ratio | 9.0564% | 4,567 |
| Tier 1 risk-based capital ratio | 13.0225% | 4,177 |
| Total risk-based capital ratio | 14.2797% | 4,105 |
| Memoranda: | ||
| Average total assets | $312,071,750 | 2,163 |
| Average earning assets | $275,957,250 | 2,223 |
| Average equity | $30,345,250 | 2,228 |
| Average total loans | $218,954,000 | 2,136 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5602% | 711 |
| Cost of funding earning assets | 2.0016% | 3,771 |
| Net interest margin | 4.5586% | 1,040 |
| Noninterest income to average assets | 0.8365% | 2,238 |
| Noninterest expense to average assets | 3.5486% | 2,197 |
| Loan and lease loss provision to assets | 0.2415% | 4,654 |
| Net operating income to assets | 0.6949% | 3,277 |
| Return on assets (ROA) | 0.6974% | 3,374 |
| Pretax return on assets | 1.0715% | 2,731 |
| Return on Equity (ROE) | 7.1959% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.1959% | 1,510 |
| Net charge-offs to loans | 0.2430% | 3,979 |
| Credit loss provision to net charge-offs | 140.4494% | 3,324 |
| Earnings coverage of net charge-offs (x) | 7.6142% | 2,418 |
| Efficiency ratio | 72.4814% | 4,317 |
| Assets per employee ($millions) | 2.7804% | 6,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7833% | 2,099 |
| Loan loss allowance to noncurrent loans | 193.5721% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 5,185 |
| Noncurrent loans to loans | 0.9213% | 5,374 |
| Net loans and leases to total assets | 70.3988% | 3,607 |
| Net loans and leases to deposits | 83.6939% | 3,942 |
| Net loans and leases to core deposits | 104.4522% | 4,016 |
| Total domestic deposits to total assets | 84.1146% | 3,702 |
| Equity capital to assets | 9.8688% | 4,122 |
| Core capital (leverage) ratio | 8.8202% | 4,911 |
| Tier 1 risk-based capital ratio | 12.5507% | 4,485 |
| Total risk-based capital ratio | 13.8074% | 4,398 |
| Memoranda: | ||
| Average total assets | $310,598,330 | 2,195 |
| Average earning assets | $273,986,000 | 2,259 |
| Average equity | $30,100,330 | 2,256 |
| Average total loans | $219,735,670 | 2,161 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5649% | 762 |
| Cost of funding earning assets | 2.0780% | 3,747 |
| Net interest margin | 4.4870% | 1,156 |
| Noninterest income to average assets | 0.8024% | 2,309 |
| Noninterest expense to average assets | 3.3224% | 2,591 |
| Loan and lease loss provision to assets | 0.2568% | 3,908 |
| Net operating income to assets | 0.7733% | 3,246 |
| Return on assets (ROA) | 0.7767% | 3,398 |
| Pretax return on assets | 1.1952% | 2,647 |
| Return on Equity (ROE) | 8.0878% | 3,105 |
| Retained earnings to average equity (ytd only) | 8.0878% | 1,776 |
| Net charge-offs to loans | 0.1498% | 3,764 |
| Credit loss provision to net charge-offs | 243.9024% | 1,910 |
| Earnings coverage of net charge-offs (x) | 13.7439% | 1,721 |
| Efficiency ratio | 69.0713% | 4,765 |
| Assets per employee ($millions) | 2.6912% | 6,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8117% | 1,823 |
| Loan loss allowance to noncurrent loans | 298.0407% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 5,693 |
| Noncurrent loans to loans | 0.6079% | 5,877 |
| Net loans and leases to total assets | 67.5009% | 4,241 |
| Net loans and leases to deposits | 79.6911% | 4,665 |
| Net loans and leases to core deposits | 100.7700% | 4,464 |
| Total domestic deposits to total assets | 84.7032% | 3,358 |
| Equity capital to assets | 9.4642% | 4,723 |
| Core capital (leverage) ratio | 8.6536% | 5,248 |
| Tier 1 risk-based capital ratio | 12.3061% | 4,700 |
| Total risk-based capital ratio | 13.5629% | 4,613 |
| Memoranda: | ||
| Average total assets | $311,583,000 | 2,204 |
| Average earning assets | $275,463,000 | 2,262 |
| Average equity | $29,921,500 | 2,282 |
| Average total loans | $218,995,500 | 2,182 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2856% | 612 |
| Cost of funding earning assets | 2.5818% | 3,780 |
| Net interest margin | 4.7038% | 960 |
| Noninterest income to average assets | 1.0026% | 1,567 |
| Noninterest expense to average assets | 3.3937% | 2,699 |
| Loan and lease loss provision to assets | 0.2678% | 4,257 |
| Net operating income to assets | 0.9737% | 2,674 |
| Return on assets (ROA) | 0.9750% | 2,545 |
| Pretax return on assets | 1.5001% | 1,685 |
| Return on Equity (ROE) | 10.2813% | 2,165 |
| Retained earnings to average equity (ytd only) | 5.1475% | 1,935 |
| Net charge-offs to loans | 0.3743% | 2,970 |
| Credit loss provision to net charge-offs | 100.4872% | 5,275 |
| Earnings coverage of net charge-offs (x) | 6.6273% | 3,311 |
| Efficiency ratio | 65.2324% | 5,268 |
| Assets per employee ($millions) | 2.5682% | 7,066 |
| Cash dividends to net income (ytd only)* | 49.9334% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7466% | 1,776 |
| Loan loss allowance to noncurrent loans | 319.4838% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 5,639 |
| Noncurrent loans to loans | 0.5467% | 5,723 |
| Net loans and leases to total assets | 70.6279% | 3,876 |
| Net loans and leases to deposits | 83.8497% | 4,444 |
| Net loans and leases to core deposits | 106.4707% | 4,136 |
| Total domestic deposits to total assets | 84.2315% | 3,207 |
| Equity capital to assets | 9.7474% | 4,369 |
| Core capital (leverage) ratio | 8.6854% | 5,221 |
| Tier 1 risk-based capital ratio | 11.8081% | 4,976 |
| Total risk-based capital ratio | 13.0637% | 4,879 |
| Memoranda: | ||
| Average total assets | $308,103,200 | 2,162 |
| Average earning assets | $272,292,400 | 2,219 |
| Average equity | $29,218,200 | 2,313 |
| Average total loans | $219,358,000 | 2,131 |