Home > The Citizens Bank > Performance and Condition Ratios
The Citizens Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8343% | 1,427 |
| Cost of funding earning assets | 2.4456% | 950 |
| Net interest margin | 3.3887% | 2,587 |
| Noninterest income to average assets | 0.4000% | 2,235 |
| Noninterest expense to average assets | 1.9521% | 3,643 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 1.3000% | 1,475 |
| Return on assets (ROA) | 1.3299% | 1,413 |
| Pretax return on assets | 1.5455% | 1,405 |
| Return on Equity (ROE) | 16.0700% | 888 |
| Retained earnings to average equity (ytd only) | -0.1133% | 3,747 |
| Net charge-offs to loans | 0.1796% | 572 |
| Credit loss provision to net charge-offs | 54.6448% | 1,522 |
| Earnings coverage of net charge-offs (x) | 10.8197% | 1,693 |
| Efficiency ratio | 55.0348% | 3,506 |
| Assets per employee ($millions) | 8.0635% | 1,527 |
| Cash dividends to net income (ytd only)* | 100.7049% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 1,325 |
| Loan loss allowance to noncurrent loans | 539.4086% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 2,469 |
| Noncurrent loans to loans | 0.2579% | 2,571 |
| Net loans and leases to total assets | 79.3100% | 673 |
| Net loans and leases to deposits | 86.7819% | 1,425 |
| Net loans and leases to core deposits | 101.8640% | 1,258 |
| Total domestic deposits to total assets | 91.3900% | 420 |
| Equity capital to assets | 8.2339% | 3,472 |
| Core capital (leverage) ratio | 8.7121% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0353% | 2,682 |
| Memoranda: | ||
| Average total assets | $1,493,331,000 | 747 |
| Average earning assets | $1,387,316,000 | 734 |
| Average equity | $123,584,000 | 888 |
| Average total loans | $1,222,873,500 | 663 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1893% | 1,043 |
| Cost of funding earning assets | 2.9272% | 567 |
| Net interest margin | 3.2621% | 2,584 |
| Noninterest income to average assets | 0.4300% | 2,281 |
| Noninterest expense to average assets | 2.2322% | 3,031 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 0.9549% | 2,197 |
| Return on assets (ROA) | 0.9743% | 2,133 |
| Pretax return on assets | 1.1393% | 2,135 |
| Return on Equity (ROE) | 11.9500% | 1,624 |
| Retained earnings to average equity (ytd only) | 5.9566% | 1,845 |
| Net charge-offs to loans | 0.1181% | 1,054 |
| Credit loss provision to net charge-offs | 95.7592% | 1,968 |
| Earnings coverage of net charge-offs (x) | 12.0766% | 2,175 |
| Efficiency ratio | 64.7292% | 2,640 |
| Assets per employee ($millions) | 7.7440% | 1,676 |
| Cash dividends to net income (ytd only)* | 50.1551% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 1,378 |
| Loan loss allowance to noncurrent loans | 530.3644% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 2,396 |
| Noncurrent loans to loans | 0.2591% | 2,495 |
| Net loans and leases to total assets | 82.2100% | 415 |
| Net loans and leases to deposits | 92.7639% | 966 |
| Net loans and leases to core deposits | 108.1026% | 1,017 |
| Total domestic deposits to total assets | 88.6300% | 1,290 |
| Equity capital to assets | 8.3179% | 3,327 |
| Core capital (leverage) ratio | 8.2131% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9064% | 2,742 |
| Memoranda: | ||
| Average total assets | $1,455,762,400 | 751 |
| Average earning assets | $1,344,810,200 | 744 |
| Average equity | $118,691,000 | 893 |
| Average total loans | $1,237,868,800 | 653 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1538% | 1,054 |
| Cost of funding earning assets | 2.9396% | 561 |
| Net interest margin | 3.2142% | 2,654 |
| Noninterest income to average assets | 0.4400% | 2,183 |
| Noninterest expense to average assets | 2.2182% | 3,035 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | 0.8929% | 2,403 |
| Return on assets (ROA) | 0.9131% | 2,343 |
| Pretax return on assets | 1.0789% | 2,311 |
| Return on Equity (ROE) | 11.2600% | 1,824 |
| Retained earnings to average equity (ytd only) | 4.8839% | 2,515 |
| Net charge-offs to loans | 0.1038% | 967 |
| Credit loss provision to net charge-offs | 145.3790% | 1,322 |
| Earnings coverage of net charge-offs (x) | 13.3531% | 1,994 |
| Efficiency ratio | 65.1303% | 2,578 |
| Assets per employee ($millions) | 8.1299% | 1,449 |
| Cash dividends to net income (ytd only)* | 56.6156% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 1,364 |
| Loan loss allowance to noncurrent loans | 564.3593% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 2,446 |
| Noncurrent loans to loans | 0.2470% | 2,548 |
| Net loans and leases to total assets | 81.5500% | 457 |
| Net loans and leases to deposits | 88.9013% | 1,342 |
| Net loans and leases to core deposits | 102.7164% | 1,315 |
| Total domestic deposits to total assets | 91.7300% | 220 |
| Equity capital to assets | 7.9677% | 3,726 |
| Core capital (leverage) ratio | 8.5232% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6419% | 2,802 |
| Memoranda: | ||
| Average total assets | $1,447,990,250 | 746 |
| Average earning assets | $1,335,955,750 | 742 |
| Average equity | $117,445,000 | 893 |
| Average total loans | $1,237,484,250 | 646 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2123% | 897 |
| Cost of funding earning assets | 2.9156% | 531 |
| Net interest margin | 3.2967% | 2,423 |
| Noninterest income to average assets | 0.4400% | 2,147 |
| Noninterest expense to average assets | 2.3343% | 2,693 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | 0.7781% | 2,699 |
| Return on assets (ROA) | 0.7992% | 2,643 |
| Pretax return on assets | 1.0032% | 2,479 |
| Return on Equity (ROE) | 9.7900% | 2,242 |
| Retained earnings to average equity (ytd only) | 2.0238% | 3,342 |
| Net charge-offs to loans | 0.1152% | 804 |
| Credit loss provision to net charge-offs | 169.2525% | 1,127 |
| Earnings coverage of net charge-offs (x) | 11.5007% | 1,927 |
| Efficiency ratio | 67.0205% | 2,437 |
| Assets per employee ($millions) | 7.3958% | 1,804 |
| Cash dividends to net income (ytd only)* | 79.3322% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 1,369 |
| Loan loss allowance to noncurrent loans | 703.0788% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 2,527 |
| Noncurrent loans to loans | 0.1998% | 2,697 |
| Net loans and leases to total assets | 85.5700% | 187 |
| Net loans and leases to deposits | 93.8530% | 957 |
| Net loans and leases to core deposits | 104.9581% | 1,207 |
| Total domestic deposits to total assets | 91.1700% | 416 |
| Equity capital to assets | 8.0548% | 3,389 |
| Core capital (leverage) ratio | 8.1183% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2761% | 2,836 |
| Memoranda: | ||
| Average total assets | $1,423,893,000 | 758 |
| Average earning assets | $1,312,387,333 | 759 |
| Average equity | $116,216,333 | 896 |
| Average total loans | $1,230,871,333 | 649 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0235% | 1,034 |
| Cost of funding earning assets | 2.8627% | 541 |
| Net interest margin | 3.1608% | 2,642 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 2.3043% | 2,782 |
| Loan and lease loss provision to assets | 0.1700% | 608 |
| Net operating income to assets | 0.7132% | 2,800 |
| Return on assets (ROA) | 0.7501% | 2,702 |
| Pretax return on assets | 0.9350% | 2,568 |
| Return on Equity (ROE) | 9.1300% | 2,354 |
| Retained earnings to average equity (ytd only) | -4.3392% | 4,098 |
| Net charge-offs to loans | 0.1085% | 690 |
| Credit loss provision to net charge-offs | 181.2689% | 855 |
| Earnings coverage of net charge-offs (x) | 11.3112% | 1,599 |
| Efficiency ratio | 68.4547% | 2,325 |
| Assets per employee ($millions) | 7.3028% | 1,882 |
| Cash dividends to net income (ytd only)* | 147.5311% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 1,354 |
| Loan loss allowance to noncurrent loans | 1,032.7781% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 2,847 |
| Noncurrent loans to loans | 0.1364% | 2,926 |
| Net loans and leases to total assets | 85.3100% | 196 |
| Net loans and leases to deposits | 93.4038% | 914 |
| Net loans and leases to core deposits | 106.0531% | 1,103 |
| Total domestic deposits to total assets | 91.3400% | 452 |
| Equity capital to assets | 8.0637% | 3,324 |
| Core capital (leverage) ratio | 8.4534% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2163% | 2,860 |
| Memoranda: | ||
| Average total assets | $1,414,753,500 | 772 |
| Average earning assets | $1,303,963,500 | 770 |
| Average equity | $116,242,500 | 896 |
| Average total loans | $1,220,498,000 | 654 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3850% | 1,341 |
| Cost of funding earning assets | 2.2061% | 632 |
| Net interest margin | 3.1789% | 2,924 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.3352% | 2,759 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.6874% | 3,226 |
| Return on assets (ROA) | 0.6874% | 3,202 |
| Pretax return on assets | 0.8620% | 3,061 |
| Return on Equity (ROE) | 8.5200% | 2,887 |
| Retained earnings to average equity (ytd only) | 6.9939% | 1,897 |
| Net charge-offs to loans | 0.0271% | 1,775 |
| Credit loss provision to net charge-offs | 653.0159% | 558 |
| Earnings coverage of net charge-offs (x) | 45.0889% | 1,358 |
| Efficiency ratio | 69.3751% | 1,975 |
| Assets per employee ($millions) | 6.7897% | 2,216 |
| Cash dividends to net income (ytd only)* | 17.8891% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,338 |
| Loan loss allowance to noncurrent loans | 1,110.5913% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 2,812 |
| Noncurrent loans to loans | 0.1273% | 2,881 |
| Net loans and leases to total assets | 84.7900% | 221 |
| Net loans and leases to deposits | 96.9082% | 724 |
| Net loans and leases to core deposits | 110.8935% | 922 |
| Total domestic deposits to total assets | 87.4900% | 1,521 |
| Equity capital to assets | 8.3713% | 3,141 |
| Core capital (leverage) ratio | 8.3779% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6186% | 2,865 |
| Memoranda: | ||
| Average total assets | $1,382,434,600 | 757 |
| Average earning assets | $1,273,095,800 | 754 |
| Average equity | $111,568,800 | 877 |
| Average total loans | $1,162,100,200 | 651 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1995% | 1,450 |
| Cost of funding earning assets | 2.0196% | 683 |
| Net interest margin | 3.1798% | 2,960 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.3242% | 2,718 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.7129% | 3,286 |
| Return on assets (ROA) | 0.7129% | 3,275 |
| Pretax return on assets | 0.8945% | 3,115 |
| Return on Equity (ROE) | 8.9200% | 2,951 |
| Retained earnings to average equity (ytd only) | 8.0097% | 1,961 |
| Net charge-offs to loans | 0.0148% | 1,867 |
| Credit loss provision to net charge-offs | 1,070.3125% | 389 |
| Earnings coverage of net charge-offs (x) | 84.6563% | 1,013 |
| Efficiency ratio | 68.8236% | 1,929 |
| Assets per employee ($millions) | 6.5273% | 2,309 |
| Cash dividends to net income (ytd only)* | 10.1888% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 1,508 |
| Loan loss allowance to noncurrent loans | 1,127.2418% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 2,870 |
| Noncurrent loans to loans | 0.1228% | 2,944 |
| Net loans and leases to total assets | 85.0300% | 211 |
| Net loans and leases to deposits | 92.7222% | 996 |
| Net loans and leases to core deposits | 105.7635% | 1,027 |
| Total domestic deposits to total assets | 91.7000% | 518 |
| Equity capital to assets | 7.8244% | 3,166 |
| Core capital (leverage) ratio | 8.6528% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5214% | 2,886 |
| Memoranda: | ||
| Average total assets | $1,376,677,500 | 761 |
| Average earning assets | $1,267,999,000 | 753 |
| Average equity | $110,047,250 | 883 |
| Average total loans | $1,150,431,250 | 654 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9409% | 1,676 |
| Cost of funding earning assets | 1.7395% | 830 |
| Net interest margin | 3.2013% | 2,996 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.3539% | 2,647 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 0.6617% | 3,430 |
| Return on assets (ROA) | 0.6617% | 3,436 |
| Pretax return on assets | 0.8300% | 3,328 |
| Return on Equity (ROE) | 8.2200% | 3,180 |
| Retained earnings to average equity (ytd only) | 6.8617% | 2,336 |
| Net charge-offs to loans | 0.0264% | 1,357 |
| Credit loss provision to net charge-offs | 766.6667% | 489 |
| Earnings coverage of net charge-offs (x) | 47.1600% | 1,315 |
| Efficiency ratio | 69.4699% | 1,815 |
| Assets per employee ($millions) | 6.5094% | 2,280 |
| Cash dividends to net income (ytd only)* | 16.5198% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 1,546 |
| Loan loss allowance to noncurrent loans | 1,045.3325% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 2,735 |
| Noncurrent loans to loans | 0.1336% | 2,802 |
| Net loans and leases to total assets | 84.0400% | 271 |
| Net loans and leases to deposits | 94.6078% | 816 |
| Net loans and leases to core deposits | 105.3629% | 1,007 |
| Total domestic deposits to total assets | 88.8300% | 1,308 |
| Equity capital to assets | 8.1221% | 3,139 |
| Core capital (leverage) ratio | 8.6518% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5122% | 2,907 |
| Memoranda: | ||
| Average total assets | $1,372,129,333 | 751 |
| Average earning assets | $1,264,718,000 | 748 |
| Average equity | $110,468,000 | 873 |
| Average total loans | $1,134,326,333 | 649 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 2,008 |
| Cost of funding earning assets | 1.5000% | 844 |
| Net interest margin | 3.1319% | 3,282 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.3797% | 2,584 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.5900% | 3,709 |
| Return on assets (ROA) | 0.5900% | 3,676 |
| Pretax return on assets | 0.7437% | 3,575 |
| Return on Equity (ROE) | 7.3600% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.3614% | 2,404 |
| Net charge-offs to loans | 0.0244% | 1,199 |
| Credit loss provision to net charge-offs | 676.4706% | 468 |
| Earnings coverage of net charge-offs (x) | 47.6471% | 1,118 |
| Efficiency ratio | 71.5063% | 1,579 |
| Assets per employee ($millions) | 6.6400% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 1,615 |
| Loan loss allowance to noncurrent loans | 1,205.2833% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 2,885 |
| Noncurrent loans to loans | 0.1163% | 2,938 |
| Net loans and leases to total assets | 78.6600% | 691 |
| Net loans and leases to deposits | 86.2855% | 1,331 |
| Net loans and leases to core deposits | 94.1873% | 1,381 |
| Total domestic deposits to total assets | 91.1700% | 747 |
| Equity capital to assets | 7.9119% | 3,306 |
| Core capital (leverage) ratio | 8.7664% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6993% | 2,976 |
| Memoranda: | ||
| Average total assets | $1,371,455,500 | 767 |
| Average earning assets | $1,267,988,000 | 761 |
| Average equity | $109,924,500 | 884 |
| Average total loans | $1,116,178,000 | 660 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 960 |
| Cost of funding earning assets | 0.5717% | 1,009 |
| Net interest margin | 3.7825% | 1,192 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.6325% | 1,725 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 0.9468% | 2,782 |
| Return on assets (ROA) | 0.9729% | 2,606 |
| Pretax return on assets | 1.2471% | 2,287 |
| Return on Equity (ROE) | 11.0400% | 2,462 |
| Retained earnings to average equity (ytd only) | 7.2634% | 2,118 |
| Net charge-offs to loans | 0.0757% | 890 |
| Credit loss provision to net charge-offs | 320.4272% | 886 |
| Earnings coverage of net charge-offs (x) | 23.4192% | 1,815 |
| Efficiency ratio | 65.1116% | 2,349 |
| Assets per employee ($millions) | 6.0970% | 2,682 |
| Cash dividends to net income (ytd only)* | 34.2014% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 1,556 |
| Loan loss allowance to noncurrent loans | 1,569.5297% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,055 |
| Noncurrent loans to loans | 0.0882% | 3,127 |
| Net loans and leases to total assets | 81.9300% | 413 |
| Net loans and leases to deposits | 90.0651% | 1,049 |
| Net loans and leases to core deposits | 99.2836% | 1,042 |
| Total domestic deposits to total assets | 90.9600% | 977 |
| Equity capital to assets | 8.1240% | 2,976 |
| Core capital (leverage) ratio | 8.8040% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5918% | 3,022 |
| Memoranda: | ||
| Average total assets | $1,247,142,000 | 827 |
| Average earning assets | $1,146,357,800 | 827 |
| Average equity | $109,921,200 | 883 |
| Average total loans | $989,031,800 | 689 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2279% | 845 |
| Cost of funding earning assets | 0.3760% | 1,470 |
| Net interest margin | 3.8519% | 878 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.6606% | 1,561 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 0.9749% | 2,565 |
| Return on assets (ROA) | 1.0102% | 2,410 |
| Pretax return on assets | 1.3000% | 2,047 |
| Return on Equity (ROE) | 11.2200% | 2,293 |
| Retained earnings to average equity (ytd only) | 10.3150% | 1,250 |
| Net charge-offs to loans | 0.1050% | 590 |
| Credit loss provision to net charge-offs | 238.4106% | 913 |
| Earnings coverage of net charge-offs (x) | 17.6623% | 1,781 |
| Efficiency ratio | 64.6419% | 2,465 |
| Assets per employee ($millions) | 5.6183% | 3,111 |
| Cash dividends to net income (ytd only)* | 8.0802% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 1,581 |
| Loan loss allowance to noncurrent loans | 1,856.9270% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 3,226 |
| Noncurrent loans to loans | 0.0759% | 3,333 |
| Net loans and leases to total assets | 83.0900% | 315 |
| Net loans and leases to deposits | 92.1102% | 760 |
| Net loans and leases to core deposits | 100.0490% | 808 |
| Total domestic deposits to total assets | 90.2000% | 1,567 |
| Equity capital to assets | 8.4668% | 2,569 |
| Core capital (leverage) ratio | 9.3311% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0801% | 3,028 |
| Memoranda: | ||
| Average total assets | $1,225,119,000 | 847 |
| Average earning assets | $1,126,141,500 | 845 |
| Average equity | $110,282,750 | 898 |
| Average total loans | $958,971,750 | 709 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0631% | 839 |
| Cost of funding earning assets | 0.3006% | 1,709 |
| Net interest margin | 3.7625% | 817 |
| Noninterest income to average assets | 0.4933% | 2,241 |
| Noninterest expense to average assets | 2.6079% | 1,614 |
| Loan and lease loss provision to assets | 0.1968% | 425 |
| Net operating income to assets | 0.8939% | 2,607 |
| Return on assets (ROA) | 0.9470% | 2,345 |
| Pretax return on assets | 1.2165% | 2,021 |
| Return on Equity (ROE) | 10.3124% | 2,225 |
| Retained earnings to average equity (ytd only) | 8.9732% | 1,298 |
| Net charge-offs to loans | 0.1278% | 491 |
| Credit loss provision to net charge-offs | 202.0202% | 960 |
| Earnings coverage of net charge-offs (x) | 13.8182% | 1,675 |
| Efficiency ratio | 65.8911% | 2,527 |
| Assets per employee ($millions) | 5.4882% | 3,246 |
| Cash dividends to net income (ytd only)* | 12.9870% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 1,620 |
| Loan loss allowance to noncurrent loans | 1,694.7867% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 3,262 |
| Noncurrent loans to loans | 0.0846% | 3,360 |
| Net loans and leases to total assets | 82.5683% | 261 |
| Net loans and leases to deposits | 93.0514% | 554 |
| Net loans and leases to core deposits | 96.0885% | 827 |
| Total domestic deposits to total assets | 88.7341% | 2,283 |
| Equity capital to assets | 9.0319% | 2,365 |
| Core capital (leverage) ratio | 8.8499% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4376% | 2,940 |
| Memoranda: | ||
| Average total assets | $1,219,607,000 | 847 |
| Average earning assets | $1,121,746,333 | 850 |
| Average equity | $112,000,667 | 889 |
| Average total loans | $929,826,667 | 714 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9178% | 896 |
| Cost of funding earning assets | 0.2834% | 1,784 |
| Net interest margin | 3.6344% | 841 |
| Noninterest income to average assets | 0.4785% | 2,250 |
| Noninterest expense to average assets | 2.5272% | 1,812 |
| Loan and lease loss provision to assets | 0.1945% | 376 |
| Net operating income to assets | 0.8506% | 2,482 |
| Return on assets (ROA) | 0.9556% | 2,048 |
| Pretax return on assets | 1.2403% | 1,681 |
| Return on Equity (ROE) | 10.3241% | 1,848 |
| Retained earnings to average equity (ytd only) | 10.3241% | 943 |
| Net charge-offs to loans | 0.0607% | 706 |
| Credit loss provision to net charge-offs | 441.1765% | 559 |
| Earnings coverage of net charge-offs (x) | 29.5294% | 1,140 |
| Efficiency ratio | 65.9329% | 2,779 |
| Assets per employee ($millions) | 6.0304% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 1,298 |
| Loan loss allowance to noncurrent loans | 728.4979% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 2,649 |
| Noncurrent loans to loans | 0.2185% | 2,723 |
| Net loans and leases to total assets | 70.8256% | 941 |
| Net loans and leases to deposits | 80.1890% | 1,135 |
| Net loans and leases to core deposits | 82.6736% | 1,317 |
| Total domestic deposits to total assets | 88.3232% | 2,378 |
| Equity capital to assets | 9.0176% | 2,695 |
| Core capital (leverage) ratio | 8.8682% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4413% | 2,790 |
| Memoranda: | ||
| Average total assets | $1,233,938,000 | 833 |
| Average earning assets | $1,137,576,500 | 846 |
| Average equity | $114,218,500 | 895 |
| Average total loans | $895,916,500 | 728 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0439% | 1,257 |
| Cost of funding earning assets | 0.3961% | 1,573 |
| Net interest margin | 3.6478% | 1,346 |
| Noninterest income to average assets | 0.4560% | 2,782 |
| Noninterest expense to average assets | 2.4658% | 2,291 |
| Loan and lease loss provision to assets | 0.1877% | 596 |
| Net operating income to assets | 0.9300% | 2,938 |
| Return on assets (ROA) | 0.9326% | 2,997 |
| Pretax return on assets | 1.1774% | 2,740 |
| Return on Equity (ROE) | 9.6195% | 2,668 |
| Retained earnings to average equity (ytd only) | 6.9797% | 1,926 |
| Net charge-offs to loans | -0.0191% | 3,957 |
| Credit loss provision to net charge-offs | -1,341.4634% | 3,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3473% | 2,506 |
| Assets per employee ($millions) | 5.8930% | 2,870 |
| Cash dividends to net income (ytd only)* | 27.4424% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 1,488 |
| Loan loss allowance to noncurrent loans | 660.8297% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 2,751 |
| Noncurrent loans to loans | 0.2298% | 2,809 |
| Net loans and leases to total assets | 72.1315% | 835 |
| Net loans and leases to deposits | 81.9514% | 1,070 |
| Net loans and leases to core deposits | 84.8182% | 1,276 |
| Total domestic deposits to total assets | 88.0175% | 2,036 |
| Equity capital to assets | 9.4962% | 3,153 |
| Core capital (leverage) ratio | 8.7219% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2177% | 2,833 |
| Memoranda: | ||
| Average total assets | $1,172,250,200 | 846 |
| Average earning assets | $1,083,486,400 | 845 |
| Average equity | $113,644,200 | 915 |
| Average total loans | $858,887,600 | 756 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 1,370 |
| Cost of funding earning assets | 0.4247% | 1,524 |
| Net interest margin | 3.6451% | 1,481 |
| Noninterest income to average assets | 0.4360% | 2,905 |
| Noninterest expense to average assets | 2.4854% | 2,169 |
| Loan and lease loss provision to assets | 0.1843% | 577 |
| Net operating income to assets | 0.8968% | 3,257 |
| Return on assets (ROA) | 0.9013% | 3,322 |
| Pretax return on assets | 1.1407% | 3,104 |
| Return on Equity (ROE) | 9.2467% | 3,023 |
| Retained earnings to average equity (ytd only) | 9.2467% | 1,599 |
| Net charge-offs to loans | -0.0358% | 4,210 |
| Credit loss provision to net charge-offs | -701.7544% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2507% | 2,205 |
| Assets per employee ($millions) | 5.9858% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 1,613 |
| Loan loss allowance to noncurrent loans | 896.7302% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 3,318 |
| Noncurrent loans to loans | 0.1678% | 3,283 |
| Net loans and leases to total assets | 70.5711% | 1,030 |
| Net loans and leases to deposits | 80.2659% | 1,263 |
| Net loans and leases to core deposits | 83.1031% | 1,488 |
| Total domestic deposits to total assets | 87.9216% | 1,890 |
| Equity capital to assets | 9.5526% | 3,330 |
| Core capital (leverage) ratio | 8.8789% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6319% | 2,819 |
| Memoranda: | ||
| Average total assets | $1,157,402,000 | 865 |
| Average earning assets | $1,069,657,000 | 861 |
| Average equity | $112,815,500 | 931 |
| Average total loans | $848,084,000 | 779 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0491% | 1,454 |
| Cost of funding earning assets | 0.4683% | 1,398 |
| Net interest margin | 3.5808% | 1,632 |
| Noninterest income to average assets | 0.4357% | 2,925 |
| Noninterest expense to average assets | 2.5253% | 2,059 |
| Loan and lease loss provision to assets | 0.2112% | 513 |
| Net operating income to assets | 0.8063% | 3,492 |
| Return on assets (ROA) | 0.8089% | 3,556 |
| Pretax return on assets | 1.0162% | 3,408 |
| Return on Equity (ROE) | 8.2393% | 3,337 |
| Retained earnings to average equity (ytd only) | 8.2393% | 1,993 |
| Net charge-offs to loans | -0.0448% | 4,321 |
| Credit loss provision to net charge-offs | -638.2979% | 3,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2738% | 1,971 |
| Assets per employee ($millions) | 5.7377% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 1,700 |
| Loan loss allowance to noncurrent loans | 800.6923% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 3,349 |
| Noncurrent loans to loans | 0.1831% | 3,307 |
| Net loans and leases to total assets | 71.6566% | 1,006 |
| Net loans and leases to deposits | 81.6434% | 1,265 |
| Net loans and leases to core deposits | 84.7333% | 1,513 |
| Total domestic deposits to total assets | 87.7678% | 1,949 |
| Equity capital to assets | 9.5555% | 3,285 |
| Core capital (leverage) ratio | 8.9093% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2576% | 2,907 |
| Memoranda: | ||
| Average total assets | $1,136,165,333 | 872 |
| Average earning assets | $1,051,492,667 | 867 |
| Average equity | $111,538,000 | 928 |
| Average total loans | $839,140,000 | 787 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 1,662 |
| Cost of funding earning assets | 0.5135% | 1,313 |
| Net interest margin | 3.4547% | 1,949 |
| Noninterest income to average assets | 0.4190% | 2,991 |
| Noninterest expense to average assets | 2.5567% | 2,002 |
| Loan and lease loss provision to assets | 0.2167% | 542 |
| Net operating income to assets | 0.6864% | 3,741 |
| Return on assets (ROA) | 0.6902% | 3,800 |
| Pretax return on assets | 0.8599% | 3,693 |
| Return on Equity (ROE) | 6.9310% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.9310% | 2,596 |
| Net charge-offs to loans | 0.0015% | 1,881 |
| Credit loss provision to net charge-offs | 20,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 989.3333% | 96 |
| Efficiency ratio | 70.3792% | 1,658 |
| Assets per employee ($millions) | 5.3206% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 1,899 |
| Loan loss allowance to noncurrent loans | 461.0124% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 2,982 |
| Noncurrent loans to loans | 0.3064% | 2,997 |
| Net loans and leases to total assets | 74.8781% | 728 |
| Net loans and leases to deposits | 85.8511% | 969 |
| Net loans and leases to core deposits | 89.3568% | 1,265 |
| Total domestic deposits to total assets | 87.2185% | 2,214 |
| Equity capital to assets | 9.9319% | 2,767 |
| Core capital (leverage) ratio | 9.0655% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6435% | 2,782 |
| Memoranda: | ||
| Average total assets | $1,107,529,000 | 883 |
| Average earning assets | $1,028,971,500 | 874 |
| Average equity | $110,287,500 | 931 |
| Average total loans | $824,760,000 | 793 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 1,151 |
| Cost of funding earning assets | 0.8250% | 1,107 |
| Net interest margin | 3.7463% | 1,650 |
| Noninterest income to average assets | 0.4649% | 2,793 |
| Noninterest expense to average assets | 2.6696% | 2,329 |
| Loan and lease loss provision to assets | 0.2143% | 1,834 |
| Net operating income to assets | 0.8538% | 2,886 |
| Return on assets (ROA) | 0.8814% | 2,915 |
| Pretax return on assets | 1.0772% | 2,781 |
| Return on Equity (ROE) | 9.4475% | 2,219 |
| Retained earnings to average equity (ytd only) | 7.8813% | 1,089 |
| Net charge-offs to loans | 0.2898% | 594 |
| Credit loss provision to net charge-offs | 97.7343% | 2,868 |
| Earnings coverage of net charge-offs (x) | 5.7361% | 2,842 |
| Efficiency ratio | 67.8912% | 2,249 |
| Assets per employee ($millions) | 5.3032% | 3,045 |
| Cash dividends to net income (ytd only)* | 16.5782% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 1,938 |
| Loan loss allowance to noncurrent loans | 455.0381% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 3,099 |
| Noncurrent loans to loans | 0.3095% | 3,099 |
| Net loans and leases to total assets | 71.9463% | 1,289 |
| Net loans and leases to deposits | 82.4858% | 1,599 |
| Net loans and leases to core deposits | 86.3907% | 1,838 |
| Total domestic deposits to total assets | 87.2227% | 1,832 |
| Equity capital to assets | 9.9843% | 3,143 |
| Core capital (leverage) ratio | 9.0550% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9909% | 2,630 |
| Memoranda: | ||
| Average total assets | $1,026,525,600 | 862 |
| Average earning assets | $948,763,800 | 855 |
| Average equity | $95,771,600 | 995 |
| Average total loans | $776,615,400 | 803 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7045% | 1,055 |
| Cost of funding earning assets | 0.8962% | 1,082 |
| Net interest margin | 3.8083% | 1,598 |
| Noninterest income to average assets | 0.4521% | 2,839 |
| Noninterest expense to average assets | 2.6932% | 2,283 |
| Loan and lease loss provision to assets | 0.2117% | 1,903 |
| Net operating income to assets | 0.8474% | 2,917 |
| Return on assets (ROA) | 0.8703% | 2,951 |
| Pretax return on assets | 1.0903% | 2,780 |
| Return on Equity (ROE) | 9.5114% | 2,201 |
| Retained earnings to average equity (ytd only) | 8.7882% | 1,040 |
| Net charge-offs to loans | 0.0769% | 1,542 |
| Credit loss provision to net charge-offs | 360.3604% | 1,576 |
| Earnings coverage of net charge-offs (x) | 21.6689% | 1,856 |
| Efficiency ratio | 67.8145% | 2,217 |
| Assets per employee ($millions) | 5.0309% | 3,211 |
| Cash dividends to net income (ytd only)* | 7.6034% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 1,200 |
| Loan loss allowance to noncurrent loans | 249.7411% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 2,297 |
| Noncurrent loans to loans | 0.6253% | 2,233 |
| Net loans and leases to total assets | 74.8287% | 1,262 |
| Net loans and leases to deposits | 85.2659% | 1,783 |
| Net loans and leases to core deposits | 89.8751% | 1,986 |
| Total domestic deposits to total assets | 87.7592% | 1,315 |
| Equity capital to assets | 9.2553% | 3,901 |
| Core capital (leverage) ratio | 7.9807% | 4,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8296% | 2,957 |
| Memoranda: | ||
| Average total assets | $1,007,393,000 | 861 |
| Average earning assets | $929,667,250 | 863 |
| Average equity | $92,181,500 | 1,025 |
| Average total loans | $769,533,500 | 802 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6993% | 1,410 |
| Cost of funding earning assets | 0.9549% | 1,131 |
| Net interest margin | 3.7445% | 2,011 |
| Noninterest income to average assets | 0.4573% | 2,776 |
| Noninterest expense to average assets | 2.6348% | 2,562 |
| Loan and lease loss provision to assets | 0.2018% | 2,032 |
| Net operating income to assets | 0.8611% | 2,836 |
| Return on assets (ROA) | 0.8722% | 2,918 |
| Pretax return on assets | 1.0914% | 2,733 |
| Return on Equity (ROE) | 9.5709% | 2,118 |
| Retained earnings to average equity (ytd only) | 8.4637% | 1,173 |
| Net charge-offs to loans | 0.1007% | 1,267 |
| Credit loss provision to net charge-offs | 261.7801% | 1,719 |
| Earnings coverage of net charge-offs (x) | 16.5942% | 1,852 |
| Efficiency ratio | 67.2338% | 2,348 |
| Assets per employee ($millions) | 5.6273% | 2,517 |
| Cash dividends to net income (ytd only)* | 11.5687% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 1,200 |
| Loan loss allowance to noncurrent loans | 282.1815% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 2,755 |
| Noncurrent loans to loans | 0.5396% | 2,552 |
| Net loans and leases to total assets | 68.6417% | 2,238 |
| Net loans and leases to deposits | 80.1607% | 2,403 |
| Net loans and leases to core deposits | 86.1330% | 2,423 |
| Total domestic deposits to total assets | 85.6301% | 2,149 |
| Equity capital to assets | 8.4742% | 4,492 |
| Core capital (leverage) ratio | 8.0506% | 4,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8316% | 3,006 |
| Memoranda: | ||
| Average total assets | $991,031,000 | 861 |
| Average earning assets | $914,897,000 | 861 |
| Average equity | $90,315,333 | 1,033 |
| Average total loans | $758,347,333 | 800 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9611% | 1,043 |
| Cost of funding earning assets | 1.1019% | 1,039 |
| Net interest margin | 3.8592% | 1,799 |
| Noninterest income to average assets | 0.5494% | 2,284 |
| Noninterest expense to average assets | 2.7978% | 2,433 |
| Loan and lease loss provision to assets | 0.1954% | 1,546 |
| Net operating income to assets | 0.8798% | 2,584 |
| Return on assets (ROA) | 0.8812% | 2,684 |
| Pretax return on assets | 1.1005% | 2,521 |
| Return on Equity (ROE) | 9.2704% | 2,006 |
| Retained earnings to average equity (ytd only) | 9.2704% | 904 |
| Net charge-offs to loans | 0.1017% | 1,074 |
| Credit loss provision to net charge-offs | 238.0952% | 1,316 |
| Earnings coverage of net charge-offs (x) | 15.7672% | 1,551 |
| Efficiency ratio | 68.2870% | 2,620 |
| Assets per employee ($millions) | 4.5387% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 1,156 |
| Loan loss allowance to noncurrent loans | 260.2458% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 2,508 |
| Noncurrent loans to loans | 0.6014% | 2,488 |
| Net loans and leases to total assets | 79.4906% | 761 |
| Net loans and leases to deposits | 97.1622% | 802 |
| Net loans and leases to core deposits | 110.3930% | 834 |
| Total domestic deposits to total assets | 81.8122% | 3,467 |
| Equity capital to assets | 9.6430% | 4,087 |
| Core capital (leverage) ratio | 8.3365% | 4,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0109% | 3,328 |
| Memoranda: | ||
| Average total assets | $921,001,000 | 888 |
| Average earning assets | $845,449,500 | 895 |
| Average equity | $87,547,500 | 1,054 |
| Average total loans | $743,319,000 | 800 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0002% | 1,483 |
| Cost of funding earning assets | 1.1573% | 1,134 |
| Net interest margin | 3.8428% | 2,364 |
| Noninterest income to average assets | 0.5700% | 2,369 |
| Noninterest expense to average assets | 2.8885% | 2,325 |
| Loan and lease loss provision to assets | 0.1685% | 1,234 |
| Net operating income to assets | 0.8364% | 3,427 |
| Return on assets (ROA) | 0.8445% | 3,493 |
| Pretax return on assets | 1.0362% | 3,374 |
| Return on Equity (ROE) | 8.6857% | 2,878 |
| Retained earnings to average equity (ytd only) | 1.5345% | 4,189 |
| Net charge-offs to loans | 0.0376% | 2,638 |
| Credit loss provision to net charge-offs | 570.3422% | 533 |
| Earnings coverage of net charge-offs (x) | 40.4373% | 1,311 |
| Efficiency ratio | 70.6488% | 2,074 |
| Assets per employee ($millions) | 4.6497% | 3,021 |
| Cash dividends to net income (ytd only)* | 82.3334% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 1,130 |
| Loan loss allowance to noncurrent loans | 245.5467% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 2,314 |
| Noncurrent loans to loans | 0.6244% | 2,328 |
| Net loans and leases to total assets | 79.4241% | 868 |
| Net loans and leases to deposits | 96.2203% | 919 |
| Net loans and leases to core deposits | 111.2982% | 786 |
| Total domestic deposits to total assets | 82.5440% | 3,349 |
| Equity capital to assets | 9.3683% | 4,449 |
| Core capital (leverage) ratio | 8.1650% | 4,984 |
| Tier 1 risk-based capital ratio | 9.3771% | 5,160 |
| Total risk-based capital ratio | 10.6295% | 5,152 |
| Memoranda: | ||
| Average total assets | $890,108,200 | 887 |
| Average earning assets | $813,772,200 | 890 |
| Average equity | $86,544,600 | 1,018 |
| Average total loans | $699,860,800 | 810 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 1,638 |
| Cost of funding earning assets | 1.1599% | 1,138 |
| Net interest margin | 3.8049% | 2,581 |
| Noninterest income to average assets | 0.5636% | 2,393 |
| Noninterest expense to average assets | 2.9213% | 2,191 |
| Loan and lease loss provision to assets | 0.1700% | 1,085 |
| Net operating income to assets | 0.7729% | 3,764 |
| Return on assets (ROA) | 0.7817% | 3,802 |
| Pretax return on assets | 0.9583% | 3,717 |
| Return on Equity (ROE) | 7.9642% | 3,323 |
| Retained earnings to average equity (ytd only) | 7.1946% | 1,760 |
| Net charge-offs to loans | 0.0439% | 2,211 |
| Credit loss provision to net charge-offs | 495.5947% | 639 |
| Earnings coverage of net charge-offs (x) | 32.5858% | 1,555 |
| Efficiency ratio | 72.2393% | 1,798 |
| Assets per employee ($millions) | 4.6093% | 3,039 |
| Cash dividends to net income (ytd only)* | 9.6637% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 1,172 |
| Loan loss allowance to noncurrent loans | 312.7087% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 2,864 |
| Noncurrent loans to loans | 0.4881% | 2,835 |
| Net loans and leases to total assets | 77.7038% | 1,184 |
| Net loans and leases to deposits | 94.9014% | 1,134 |
| Net loans and leases to core deposits | 111.7026% | 859 |
| Total domestic deposits to total assets | 81.8785% | 3,501 |
| Equity capital to assets | 9.7764% | 4,232 |
| Core capital (leverage) ratio | 8.6739% | 4,854 |
| Tier 1 risk-based capital ratio | 10.2180% | 5,148 |
| Total risk-based capital ratio | 11.4706% | 5,073 |
| Memoranda: | ||
| Average total assets | $882,476,250 | 891 |
| Average earning assets | $806,031,250 | 898 |
| Average equity | $86,618,750 | 1,013 |
| Average total loans | $689,177,750 | 819 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9273% | 1,675 |
| Cost of funding earning assets | 1.1547% | 1,120 |
| Net interest margin | 3.7726% | 2,680 |
| Noninterest income to average assets | 0.5771% | 2,257 |
| Noninterest expense to average assets | 2.9345% | 2,182 |
| Loan and lease loss provision to assets | 0.1722% | 1,056 |
| Net operating income to assets | 0.7452% | 3,854 |
| Return on assets (ROA) | 0.7471% | 3,905 |
| Pretax return on assets | 0.9136% | 3,801 |
| Return on Equity (ROE) | 7.6005% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.6005% | 1,557 |
| Net charge-offs to loans | 0.0298% | 2,260 |
| Credit loss provision to net charge-offs | 742.5743% | 449 |
| Earnings coverage of net charge-offs (x) | 46.7129% | 1,145 |
| Efficiency ratio | 72.9424% | 1,785 |
| Assets per employee ($millions) | 4.4968% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 1,178 |
| Loan loss allowance to noncurrent loans | 319.7809% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 2,860 |
| Noncurrent loans to loans | 0.4795% | 2,840 |
| Net loans and leases to total assets | 77.5023% | 1,312 |
| Net loans and leases to deposits | 94.3425% | 1,223 |
| Net loans and leases to core deposits | 111.1276% | 909 |
| Total domestic deposits to total assets | 82.1499% | 3,472 |
| Equity capital to assets | 9.8362% | 4,107 |
| Core capital (leverage) ratio | 8.7878% | 4,789 |
| Tier 1 risk-based capital ratio | 10.2333% | 5,189 |
| Total risk-based capital ratio | 11.4860% | 5,111 |
| Memoranda: | ||
| Average total assets | $870,883,000 | 900 |
| Average earning assets | $794,312,670 | 909 |
| Average equity | $85,600,000 | 1,018 |
| Average total loans | $677,640,000 | 830 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9230% | 1,534 |
| Cost of funding earning assets | 1.1195% | 1,125 |
| Net interest margin | 3.8034% | 2,511 |
| Noninterest income to average assets | 0.5877% | 2,105 |
| Noninterest expense to average assets | 2.8856% | 2,313 |
| Loan and lease loss provision to assets | 0.1746% | 960 |
| Net operating income to assets | 0.8001% | 3,621 |
| Return on assets (ROA) | 0.8001% | 3,665 |
| Pretax return on assets | 0.9957% | 3,448 |
| Return on Equity (ROE) | 8.1432% | 3,198 |
| Retained earnings to average equity (ytd only) | 8.1432% | 1,607 |
| Net charge-offs to loans | 0.0265% | 1,924 |
| Credit loss provision to net charge-offs | 852.2727% | 429 |
| Earnings coverage of net charge-offs (x) | 57.1136% | 940 |
| Efficiency ratio | 71.0529% | 2,179 |
| Assets per employee ($millions) | 4.5595% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 1,120 |
| Loan loss allowance to noncurrent loans | 457.0432% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 3,388 |
| Noncurrent loans to loans | 0.3444% | 3,342 |
| Net loans and leases to total assets | 76.0556% | 1,468 |
| Net loans and leases to deposits | 89.8397% | 1,655 |
| Net loans and leases to core deposits | 105.2561% | 1,223 |
| Total domestic deposits to total assets | 84.6571% | 2,797 |
| Equity capital to assets | 9.9655% | 3,860 |
| Core capital (leverage) ratio | 8.7014% | 4,868 |
| Tier 1 risk-based capital ratio | 10.4918% | 5,177 |
| Total risk-based capital ratio | 11.7448% | 5,084 |
| Memoranda: | ||
| Average total assets | $858,890,500 | 912 |
| Average earning assets | $783,185,000 | 923 |
| Average equity | $84,389,500 | 1,024 |
| Average total loans | $664,289,000 | 848 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 1,570 |
| Cost of funding earning assets | 0.8902% | 1,135 |
| Net interest margin | 3.8984% | 2,333 |
| Noninterest income to average assets | 0.6391% | 2,103 |
| Noninterest expense to average assets | 2.9336% | 2,232 |
| Loan and lease loss provision to assets | 0.1537% | 1,375 |
| Net operating income to assets | 0.9071% | 3,415 |
| Return on assets (ROA) | 0.9081% | 3,400 |
| Pretax return on assets | 1.1355% | 3,154 |
| Return on Equity (ROE) | 8.8247% | 3,083 |
| Retained earnings to average equity (ytd only) | 1.8123% | 4,424 |
| Net charge-offs to loans | 0.1598% | 1,203 |
| Credit loss provision to net charge-offs | 125.8812% | 2,088 |
| Earnings coverage of net charge-offs (x) | 10.5509% | 2,707 |
| Efficiency ratio | 69.3961% | 2,308 |
| Assets per employee ($millions) | 4.7294% | 2,830 |
| Cash dividends to net income (ytd only)* | 79.4639% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 1,196 |
| Loan loss allowance to noncurrent loans | 405.9600% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 3,055 |
| Noncurrent loans to loans | 0.3773% | 3,184 |
| Net loans and leases to total assets | 76.2285% | 1,573 |
| Net loans and leases to deposits | 87.6179% | 2,099 |
| Net loans and leases to core deposits | 102.6686% | 1,527 |
| Total domestic deposits to total assets | 87.0010% | 1,787 |
| Equity capital to assets | 9.6844% | 3,973 |
| Core capital (leverage) ratio | 8.5296% | 5,013 |
| Tier 1 risk-based capital ratio | 10.4465% | 5,202 |
| Total risk-based capital ratio | 11.6993% | 5,102 |
| Memoranda: | ||
| Average total assets | $813,492,600 | 939 |
| Average earning assets | $747,562,000 | 937 |
| Average equity | $83,708,000 | 991 |
| Average total loans | $621,272,400 | 867 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 1,653 |
| Cost of funding earning assets | 0.8427% | 1,142 |
| Net interest margin | 3.8655% | 2,415 |
| Noninterest income to average assets | 0.6487% | 2,079 |
| Noninterest expense to average assets | 2.9505% | 2,161 |
| Loan and lease loss provision to assets | 0.1495% | 1,319 |
| Net operating income to assets | 0.8803% | 3,625 |
| Return on assets (ROA) | 0.8817% | 3,621 |
| Pretax return on assets | 1.1054% | 3,374 |
| Return on Equity (ROE) | 8.4358% | 3,359 |
| Retained earnings to average equity (ytd only) | 8.4358% | 1,454 |
| Net charge-offs to loans | 0.1231% | 1,281 |
| Credit loss provision to net charge-offs | 159.5745% | 1,629 |
| Earnings coverage of net charge-offs (x) | 13.3795% | 2,368 |
| Efficiency ratio | 70.0944% | 2,173 |
| Assets per employee ($millions) | 4.6149% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 1,133 |
| Loan loss allowance to noncurrent loans | 333.5943% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 2,948 |
| Noncurrent loans to loans | 0.4722% | 2,971 |
| Net loans and leases to total assets | 75.2540% | 1,771 |
| Net loans and leases to deposits | 90.3479% | 1,847 |
| Net loans and leases to core deposits | 107.3578% | 1,207 |
| Total domestic deposits to total assets | 83.2935% | 3,200 |
| Equity capital to assets | 10.0801% | 3,559 |
| Core capital (leverage) ratio | 9.2863% | 4,416 |
| Tier 1 risk-based capital ratio | 11.1858% | 4,955 |
| Total risk-based capital ratio | 12.4389% | 4,853 |
| Memoranda: | ||
| Average total assets | $802,858,500 | 947 |
| Average earning assets | $738,383,500 | 948 |
| Average equity | $83,909,750 | 989 |
| Average total loans | $610,918,750 | 875 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 1,586 |
| Cost of funding earning assets | 0.7684% | 1,290 |
| Net interest margin | 3.8994% | 2,200 |
| Noninterest income to average assets | 0.6535% | 2,076 |
| Noninterest expense to average assets | 2.9750% | 2,121 |
| Loan and lease loss provision to assets | 0.1524% | 1,239 |
| Net operating income to assets | 0.8920% | 3,488 |
| Return on assets (ROA) | 0.8940% | 3,493 |
| Pretax return on assets | 1.1224% | 3,223 |
| Return on Equity (ROE) | 8.4465% | 3,289 |
| Retained earnings to average equity (ytd only) | 8.4465% | 1,428 |
| Net charge-offs to loans | 0.1461% | 1,048 |
| Credit loss provision to net charge-offs | 137.2998% | 1,665 |
| Earnings coverage of net charge-offs (x) | 11.4622% | 2,270 |
| Efficiency ratio | 69.9498% | 2,322 |
| Assets per employee ($millions) | 4.3831% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 989 |
| Loan loss allowance to noncurrent loans | 330.6478% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 2,821 |
| Noncurrent loans to loans | 0.4992% | 2,924 |
| Net loans and leases to total assets | 73.4938% | 2,031 |
| Net loans and leases to deposits | 84.7256% | 2,454 |
| Net loans and leases to core deposits | 101.7963% | 1,577 |
| Total domestic deposits to total assets | 86.7433% | 1,949 |
| Equity capital to assets | 10.3782% | 3,239 |
| Core capital (leverage) ratio | 9.4625% | 4,156 |
| Tier 1 risk-based capital ratio | 11.7248% | 4,671 |
| Total risk-based capital ratio | 12.9791% | 4,545 |
| Memoranda: | ||
| Average total assets | $787,432,000 | 964 |
| Average earning assets | $725,710,670 | 962 |
| Average equity | $83,348,330 | 989 |
| Average total loans | $598,145,670 | 891 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 1,493 |
| Cost of funding earning assets | 0.7118% | 1,382 |
| Net interest margin | 3.9149% | 1,983 |
| Noninterest income to average assets | 0.6619% | 1,991 |
| Noninterest expense to average assets | 2.9538% | 2,195 |
| Loan and lease loss provision to assets | 0.1551% | 1,167 |
| Net operating income to assets | 0.9283% | 3,164 |
| Return on assets (ROA) | 0.9324% | 3,169 |
| Pretax return on assets | 1.1790% | 2,846 |
| Return on Equity (ROE) | 8.7188% | 3,044 |
| Retained earnings to average equity (ytd only) | 8.7188% | 1,568 |
| Net charge-offs to loans | 0.0979% | 1,201 |
| Credit loss provision to net charge-offs | 206.8966% | 1,026 |
| Earnings coverage of net charge-offs (x) | 17.7241% | 1,567 |
| Efficiency ratio | 68.8723% | 2,687 |
| Assets per employee ($millions) | 4.2920% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6827% | 988 |
| Loan loss allowance to noncurrent loans | 388.2148% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 2,992 |
| Noncurrent loans to loans | 0.4334% | 3,232 |
| Net loans and leases to total assets | 75.9856% | 1,547 |
| Net loans and leases to deposits | 88.3853% | 1,885 |
| Net loans and leases to core deposits | 100.0285% | 1,688 |
| Total domestic deposits to total assets | 85.9708% | 2,558 |
| Equity capital to assets | 10.7509% | 2,823 |
| Core capital (leverage) ratio | 9.4929% | 4,076 |
| Tier 1 risk-based capital ratio | 11.8541% | 4,647 |
| Total risk-based capital ratio | 13.1090% | 4,527 |
| Memoranda: | ||
| Average total assets | $773,520,500 | 983 |
| Average earning assets | $715,413,000 | 982 |
| Average equity | $82,718,000 | 1,006 |
| Average total loans | $592,610,000 | 905 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 1,524 |
| Cost of funding earning assets | 0.6375% | 1,369 |
| Net interest margin | 3.9271% | 2,003 |
| Noninterest income to average assets | 0.6500% | 2,196 |
| Noninterest expense to average assets | 2.9528% | 2,285 |
| Loan and lease loss provision to assets | 0.3275% | 509 |
| Net operating income to assets | 0.6857% | 3,654 |
| Return on assets (ROA) | 0.9434% | 2,508 |
| Pretax return on assets | 1.3895% | 2,028 |
| Return on Equity (ROE) | 9.2832% | 2,179 |
| Retained earnings to average equity (ytd only) | 3.5202% | 3,169 |
| Net charge-offs to loans | 0.1908% | 1,332 |
| Credit loss provision to net charge-offs | 228.3105% | 1,215 |
| Earnings coverage of net charge-offs (x) | 9.3288% | 2,803 |
| Efficiency ratio | 68.7160% | 2,758 |
| Assets per employee ($millions) | 4.1864% | 3,678 |
| Cash dividends to net income (ytd only)* | 62.0800% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 975 |
| Loan loss allowance to noncurrent loans | 395.6800% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 3,055 |
| Noncurrent loans to loans | 0.4251% | 3,258 |
| Net loans and leases to total assets | 74.6625% | 1,816 |
| Net loans and leases to deposits | 87.7477% | 2,047 |
| Net loans and leases to core deposits | 96.1089% | 2,015 |
| Total domestic deposits to total assets | 85.0877% | 2,809 |
| Equity capital to assets | 10.6367% | 3,011 |
| Core capital (leverage) ratio | 9.2993% | 4,291 |
| Tier 1 risk-based capital ratio | 11.7034% | 4,718 |
| Total risk-based capital ratio | 12.9583% | 4,597 |
| Memoranda: | ||
| Average total assets | $763,433,200 | 971 |
| Average earning assets | $707,802,000 | 972 |
| Average equity | $77,581,400 | 1,038 |
| Average total loans | $573,785,800 | 897 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 1,535 |
| Cost of funding earning assets | 0.6224% | 1,391 |
| Net interest margin | 3.9160% | 1,984 |
| Noninterest income to average assets | 0.6541% | 2,187 |
| Noninterest expense to average assets | 2.9500% | 2,250 |
| Loan and lease loss provision to assets | 0.1972% | 965 |
| Net operating income to assets | 0.8725% | 3,164 |
| Return on assets (ROA) | 0.8671% | 3,239 |
| Pretax return on assets | 1.1327% | 3,173 |
| Return on Equity (ROE) | 8.6353% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.6353% | 970 |
| Net charge-offs to loans | 0.1482% | 1,354 |
| Credit loss provision to net charge-offs | 177.4448% | 1,491 |
| Earnings coverage of net charge-offs (x) | 12.0300% | 2,459 |
| Efficiency ratio | 68.7165% | 2,752 |
| Assets per employee ($millions) | 4.1482% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 1,407 |
| Loan loss allowance to noncurrent loans | 366.7484% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.5120% | 3,017 |
| Noncurrent loans to loans | 0.4184% | 3,450 |
| Net loans and leases to total assets | 75.4801% | 1,686 |
| Net loans and leases to deposits | 88.2075% | 2,030 |
| Net loans and leases to core deposits | 97.0892% | 1,970 |
| Total domestic deposits to total assets | 85.5711% | 2,490 |
| Equity capital to assets | 10.3535% | 3,533 |
| Core capital (leverage) ratio | 8.9160% | 4,843 |
| Tier 1 risk-based capital ratio | 11.3090% | 5,068 |
| Total risk-based capital ratio | 12.5623% | 4,956 |
| Memoranda: | ||
| Average total assets | $760,671,500 | 976 |
| Average earning assets | $705,631,500 | 975 |
| Average equity | $76,382,000 | 1,062 |
| Average total loans | $570,197,750 | 896 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 1,663 |
| Cost of funding earning assets | 0.6106% | 1,383 |
| Net interest margin | 3.8404% | 2,127 |
| Noninterest income to average assets | 0.6252% | 2,349 |
| Noninterest expense to average assets | 2.9560% | 2,249 |
| Loan and lease loss provision to assets | 0.1974% | 935 |
| Net operating income to assets | 0.8197% | 3,297 |
| Return on assets (ROA) | 0.8207% | 3,348 |
| Pretax return on assets | 1.0392% | 3,407 |
| Return on Equity (ROE) | 8.2595% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.2595% | 1,067 |
| Net charge-offs to loans | 0.1341% | 1,360 |
| Credit loss provision to net charge-offs | 197.8892% | 1,282 |
| Earnings coverage of net charge-offs (x) | 12.3826% | 2,198 |
| Efficiency ratio | 70.4264% | 2,597 |
| Assets per employee ($millions) | 4.2210% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 1,449 |
| Loan loss allowance to noncurrent loans | 355.4173% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 3,217 |
| Noncurrent loans to loans | 0.4320% | 3,466 |
| Net loans and leases to total assets | 74.7537% | 1,741 |
| Net loans and leases to deposits | 87.8728% | 2,002 |
| Net loans and leases to core deposits | 95.5366% | 2,020 |
| Total domestic deposits to total assets | 85.0704% | 2,779 |
| Equity capital to assets | 10.1572% | 3,725 |
| Core capital (leverage) ratio | 8.6618% | 5,076 |
| Tier 1 risk-based capital ratio | 11.0680% | 5,218 |
| Total risk-based capital ratio | 12.3213% | 5,110 |
| Memoranda: | ||
| Average total assets | $759,807,000 | 983 |
| Average earning assets | $705,542,330 | 980 |
| Average equity | $75,501,000 | 1,073 |
| Average total loans | $565,233,330 | 907 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 1,771 |
| Cost of funding earning assets | 0.5925% | 1,429 |
| Net interest margin | 3.7704% | 2,219 |
| Noninterest income to average assets | 0.6133% | 2,355 |
| Noninterest expense to average assets | 2.9507% | 2,298 |
| Loan and lease loss provision to assets | 0.1974% | 840 |
| Net operating income to assets | 0.7718% | 3,355 |
| Return on assets (ROA) | 0.7739% | 3,400 |
| Pretax return on assets | 0.9655% | 3,518 |
| Return on Equity (ROE) | 7.8751% | 2,983 |
| Retained earnings to average equity (ytd only) | 7.8751% | 1,510 |
| Net charge-offs to loans | 0.0601% | 1,734 |
| Credit loss provision to net charge-offs | 446.4286% | 611 |
| Earnings coverage of net charge-offs (x) | 26.2381% | 1,315 |
| Efficiency ratio | 71.6737% | 2,633 |
| Assets per employee ($millions) | 4.2463% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 1,584 |
| Loan loss allowance to noncurrent loans | 347.7417% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 3,237 |
| Noncurrent loans to loans | 0.4400% | 3,515 |
| Net loans and leases to total assets | 73.4909% | 1,822 |
| Net loans and leases to deposits | 87.4561% | 1,866 |
| Net loans and leases to core deposits | 94.9684% | 1,898 |
| Total domestic deposits to total assets | 84.0317% | 3,466 |
| Equity capital to assets | 9.8000% | 3,976 |
| Core capital (leverage) ratio | 8.5739% | 5,175 |
| Tier 1 risk-based capital ratio | 10.8415% | 5,391 |
| Total risk-based capital ratio | 12.0947% | 5,310 |
| Memoranda: | ||
| Average total assets | $759,820,500 | 986 |
| Average earning assets | $704,868,000 | 980 |
| Average equity | $74,665,500 | 1,077 |
| Average total loans | $559,439,500 | 916 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 1,923 |
| Cost of funding earning assets | 0.6068% | 1,291 |
| Net interest margin | 3.7598% | 2,470 |
| Noninterest income to average assets | 0.6244% | 2,532 |
| Noninterest expense to average assets | 2.8343% | 2,905 |
| Loan and lease loss provision to assets | 0.3000% | 629 |
| Net operating income to assets | 0.8382% | 3,116 |
| Return on assets (ROA) | 0.8407% | 3,217 |
| Pretax return on assets | 0.9834% | 3,533 |
| Return on Equity (ROE) | 9.0456% | 2,398 |
| Retained earnings to average equity (ytd only) | 5.0266% | 2,329 |
| Net charge-offs to loans | 0.1123% | 2,140 |
| Credit loss provision to net charge-offs | 385.7633% | 816 |
| Earnings coverage of net charge-offs (x) | 16.4648% | 2,107 |
| Efficiency ratio | 68.7739% | 3,111 |
| Assets per employee ($millions) | 4.0598% | 3,848 |
| Cash dividends to net income (ytd only)* | 44.4303% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 1,483 |
| Loan loss allowance to noncurrent loans | 484.1415% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 3,516 |
| Noncurrent loans to loans | 0.3215% | 3,993 |
| Net loans and leases to total assets | 71.4694% | 2,250 |
| Net loans and leases to deposits | 83.3482% | 2,492 |
| Net loans and leases to core deposits | 91.0329% | 2,403 |
| Total domestic deposits to total assets | 85.7480% | 2,702 |
| Equity capital to assets | 9.8541% | 3,877 |
| Core capital (leverage) ratio | 8.0577% | 5,590 |
| Tier 1 risk-based capital ratio | 11.1103% | 5,283 |
| Total risk-based capital ratio | 12.3638% | 5,162 |
| Memoranda: | ||
| Average total assets | $749,650,800 | 966 |
| Average earning assets | $695,906,000 | 956 |
| Average equity | $69,669,400 | 1,130 |
| Average total loans | $519,209,000 | 946 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 2,041 |
| Cost of funding earning assets | 0.5905% | 1,408 |
| Net interest margin | 3.7487% | 2,522 |
| Noninterest income to average assets | 0.6144% | 2,591 |
| Noninterest expense to average assets | 2.8195% | 2,938 |
| Loan and lease loss provision to assets | 0.3013% | 557 |
| Net operating income to assets | 0.8253% | 3,258 |
| Return on assets (ROA) | 0.8287% | 3,371 |
| Pretax return on assets | 0.9778% | 3,711 |
| Return on Equity (ROE) | 9.0534% | 2,459 |
| Retained earnings to average equity (ytd only) | 6.3317% | 1,994 |
| Net charge-offs to loans | 0.1103% | 1,839 |
| Credit loss provision to net charge-offs | 399.2925% | 845 |
| Earnings coverage of net charge-offs (x) | 16.9009% | 2,085 |
| Efficiency ratio | 68.7497% | 3,091 |
| Assets per employee ($millions) | 4.2292% | 3,544 |
| Cash dividends to net income (ytd only)* | 30.0623% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,823 |
| Loan loss allowance to noncurrent loans | 408.7923% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4705% | 3,546 |
| Noncurrent loans to loans | 0.3628% | 3,955 |
| Net loans and leases to total assets | 68.3075% | 2,755 |
| Net loans and leases to deposits | 89.9897% | 1,756 |
| Net loans and leases to core deposits | 97.8210% | 1,830 |
| Total domestic deposits to total assets | 75.9060% | 5,246 |
| Equity capital to assets | 9.0363% | 5,141 |
| Core capital (leverage) ratio | 7.7340% | 5,780 |
| Tier 1 risk-based capital ratio | 10.4437% | 5,639 |
| Total risk-based capital ratio | 11.6964% | 5,569 |
| Memoranda: | ||
| Average total assets | $749,298,500 | 965 |
| Average earning assets | $695,618,500 | 958 |
| Average equity | $68,584,250 | 1,149 |
| Average total loans | $512,695,000 | 959 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 1,953 |
| Cost of funding earning assets | 0.5878% | 1,419 |
| Net interest margin | 3.7710% | 2,439 |
| Noninterest income to average assets | 0.6172% | 2,523 |
| Noninterest expense to average assets | 2.8728% | 2,765 |
| Loan and lease loss provision to assets | 0.3089% | 564 |
| Net operating income to assets | 0.7762% | 3,421 |
| Return on assets (ROA) | 0.7801% | 3,546 |
| Pretax return on assets | 0.9370% | 3,814 |
| Return on Equity (ROE) | 8.4840% | 2,756 |
| Retained earnings to average equity (ytd only) | 4.3512% | 3,147 |
| Net charge-offs to loans | 0.1188% | 1,645 |
| Credit loss provision to net charge-offs | 381.8792% | 798 |
| Earnings coverage of net charge-offs (x) | 15.3456% | 1,998 |
| Efficiency ratio | 69.7236% | 3,028 |
| Assets per employee ($millions) | 3.9371% | 4,026 |
| Cash dividends to net income (ytd only)* | 48.7126% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4638% | 2,011 |
| Loan loss allowance to noncurrent loans | 422.5593% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 3,456 |
| Noncurrent loans to loans | 0.3464% | 4,132 |
| Net loans and leases to total assets | 68.5793% | 2,694 |
| Net loans and leases to deposits | 90.6065% | 1,686 |
| Net loans and leases to core deposits | 98.8065% | 1,740 |
| Total domestic deposits to total assets | 75.6891% | 5,325 |
| Equity capital to assets | 9.2415% | 5,031 |
| Core capital (leverage) ratio | 7.6860% | 5,843 |
| Tier 1 risk-based capital ratio | 10.5362% | 5,658 |
| Total risk-based capital ratio | 11.7886% | 5,565 |
| Memoranda: | ||
| Average total assets | $736,853,000 | 982 |
| Average earning assets | $683,263,000 | 973 |
| Average equity | $67,751,330 | 1,164 |
| Average total loans | $501,786,330 | 977 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 2,038 |
| Cost of funding earning assets | 0.5949% | 1,362 |
| Net interest margin | 3.7331% | 2,545 |
| Noninterest income to average assets | 0.6165% | 2,435 |
| Noninterest expense to average assets | 2.8466% | 2,900 |
| Loan and lease loss provision to assets | 0.3099% | 500 |
| Net operating income to assets | 0.7168% | 3,629 |
| Return on assets (ROA) | 0.7223% | 3,720 |
| Pretax return on assets | 0.9297% | 3,731 |
| Return on Equity (ROE) | 7.8768% | 2,990 |
| Retained earnings to average equity (ytd only) | -0.4964% | 5,196 |
| Net charge-offs to loans | 0.2232% | 912 |
| Credit loss provision to net charge-offs | 206.2044% | 1,056 |
| Earnings coverage of net charge-offs (x) | 8.2007% | 2,077 |
| Efficiency ratio | 69.6786% | 3,190 |
| Assets per employee ($millions) | 4.1830% | 3,617 |
| Cash dividends to net income (ytd only)* | 106.3022% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 2,365 |
| Loan loss allowance to noncurrent loans | 336.5831% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 3,107 |
| Noncurrent loans to loans | 0.4200% | 3,936 |
| Net loans and leases to total assets | 67.3732% | 2,753 |
| Net loans and leases to deposits | 86.3429% | 2,028 |
| Net loans and leases to core deposits | 95.1899% | 1,872 |
| Total domestic deposits to total assets | 78.0297% | 5,143 |
| Equity capital to assets | 9.1343% | 5,053 |
| Core capital (leverage) ratio | 7.6516% | 5,889 |
| Tier 1 risk-based capital ratio | 9.9354% | 5,922 |
| Total risk-based capital ratio | 11.1859% | 5,892 |
| Memoranda: | ||
| Average total assets | $729,289,000 | 995 |
| Average earning assets | $676,430,500 | 986 |
| Average equity | $66,880,000 | 1,171 |
| Average total loans | $490,997,500 | 992 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 3,502 |
| Cost of funding earning assets | 0.5470% | 1,792 |
| Net interest margin | 3.4075% | 3,879 |
| Noninterest income to average assets | 0.6230% | 2,602 |
| Noninterest expense to average assets | 2.7834% | 3,307 |
| Loan and lease loss provision to assets | 0.2090% | 1,006 |
| Net operating income to assets | 0.6797% | 3,905 |
| Return on assets (ROA) | 0.7292% | 3,773 |
| Pretax return on assets | 0.8932% | 3,865 |
| Return on Equity (ROE) | 7.0208% | 3,504 |
| Retained earnings to average equity (ytd only) | -14.0689% | 6,079 |
| Net charge-offs to loans | 0.0986% | 2,432 |
| Credit loss provision to net charge-offs | 357.1429% | 831 |
| Earnings coverage of net charge-offs (x) | 17.8029% | 2,047 |
| Efficiency ratio | 72.6188% | 2,808 |
| Assets per employee ($millions) | 3.9910% | 3,953 |
| Cash dividends to net income (ytd only)* | 300.3898% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 2,316 |
| Loan loss allowance to noncurrent loans | 279.0917% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 2,992 |
| Noncurrent loans to loans | 0.5104% | 3,652 |
| Net loans and leases to total assets | 65.3481% | 3,076 |
| Net loans and leases to deposits | 82.1286% | 2,573 |
| Net loans and leases to core deposits | 91.6973% | 2,254 |
| Total domestic deposits to total assets | 79.5681% | 4,849 |
| Equity capital to assets | 9.2075% | 4,896 |
| Core capital (leverage) ratio | 9.4112% | 4,303 |
| Tier 1 risk-based capital ratio | 10.2114% | 5,892 |
| Total risk-based capital ratio | 11.4617% | 5,820 |
| Memoranda: | ||
| Average total assets | $598,045,000 | 1,136 |
| Average earning assets | $562,021,800 | 1,118 |
| Average equity | $62,115,600 | 1,212 |
| Average total loans | $354,873,000 | 1,276 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 2,993 |
| Cost of funding earning assets | 0.5651% | 1,667 |
| Net interest margin | 3.5240% | 3,450 |
| Noninterest income to average assets | 0.6140% | 2,667 |
| Noninterest expense to average assets | 2.9069% | 2,829 |
| Loan and lease loss provision to assets | 0.2116% | 920 |
| Net operating income to assets | 0.6721% | 4,023 |
| Return on assets (ROA) | 0.7255% | 3,890 |
| Pretax return on assets | 0.8866% | 4,028 |
| Return on Equity (ROE) | 6.7412% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.7412% | 1,812 |
| Net charge-offs to loans | 0.1585% | 1,558 |
| Credit loss provision to net charge-offs | 233.7662% | 1,194 |
| Earnings coverage of net charge-offs (x) | 11.4104% | 2,492 |
| Efficiency ratio | 73.6361% | 2,616 |
| Assets per employee ($millions) | 3.8988% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 1,264 |
| Loan loss allowance to noncurrent loans | 282.9011% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.7104% | 3,130 |
| Noncurrent loans to loans | 0.6363% | 3,412 |
| Net loans and leases to total assets | 60.8452% | 3,757 |
| Net loans and leases to deposits | 79.3950% | 2,947 |
| Net loans and leases to core deposits | 89.2998% | 2,528 |
| Total domestic deposits to total assets | 76.6361% | 5,401 |
| Equity capital to assets | 10.8124% | 3,226 |
| Core capital (leverage) ratio | 10.8838% | 2,606 |
| Tier 1 risk-based capital ratio | 16.4739% | 2,590 |
| Total risk-based capital ratio | 17.7298% | 2,544 |
| Memoranda: | ||
| Average total assets | $566,965,000 | 1,210 |
| Average earning assets | $535,095,750 | 1,185 |
| Average equity | $61,016,500 | 1,245 |
| Average total loans | $323,873,000 | 1,381 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 3,147 |
| Cost of funding earning assets | 0.5751% | 1,608 |
| Net interest margin | 3.4580% | 3,669 |
| Noninterest income to average assets | 0.6111% | 2,675 |
| Noninterest expense to average assets | 2.9006% | 2,895 |
| Loan and lease loss provision to assets | 0.2129% | 903 |
| Net operating income to assets | 0.6022% | 4,336 |
| Return on assets (ROA) | 0.6398% | 4,284 |
| Pretax return on assets | 0.8098% | 4,288 |
| Return on Equity (ROE) | 5.9546% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.9546% | 2,271 |
| Net charge-offs to loans | 0.2047% | 1,232 |
| Credit loss provision to net charge-offs | 187.5000% | 1,301 |
| Earnings coverage of net charge-offs (x) | 8.5875% | 2,548 |
| Efficiency ratio | 74.6933% | 2,576 |
| Assets per employee ($millions) | 3.7772% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 1,303 |
| Loan loss allowance to noncurrent loans | 256.9830% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.7672% | 3,088 |
| Noncurrent loans to loans | 0.7140% | 3,347 |
| Net loans and leases to total assets | 58.9512% | 3,984 |
| Net loans and leases to deposits | 75.9056% | 3,286 |
| Net loans and leases to core deposits | 86.6181% | 2,690 |
| Total domestic deposits to total assets | 77.6638% | 5,344 |
| Equity capital to assets | 10.7565% | 3,160 |
| Core capital (leverage) ratio | 10.6402% | 2,806 |
| Tier 1 risk-based capital ratio | 17.1839% | 2,336 |
| Total risk-based capital ratio | 18.4403% | 2,281 |
| Memoranda: | ||
| Average total assets | $563,612,330 | 1,224 |
| Average earning assets | $532,096,330 | 1,196 |
| Average equity | $60,558,670 | 1,265 |
| Average total loans | $312,655,000 | 1,424 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8976% | 3,623 |
| Cost of funding earning assets | 0.5814% | 1,569 |
| Net interest margin | 3.3162% | 4,149 |
| Noninterest income to average assets | 0.6184% | 2,557 |
| Noninterest expense to average assets | 2.8708% | 3,002 |
| Loan and lease loss provision to assets | 0.2128% | 836 |
| Net operating income to assets | 0.5243% | 4,566 |
| Return on assets (ROA) | 0.8191% | 3,289 |
| Pretax return on assets | 1.0439% | 3,320 |
| Return on Equity (ROE) | 7.6276% | 3,151 |
| Retained earnings to average equity (ytd only) | 7.6276% | 1,712 |
| Net charge-offs to loans | 0.3400% | 718 |
| Credit loss provision to net charge-offs | 117.6471% | 1,461 |
| Earnings coverage of net charge-offs (x) | 4.8588% | 2,446 |
| Efficiency ratio | 76.4138% | 2,446 |
| Assets per employee ($millions) | 3.8945% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9128% | 1,259 |
| Loan loss allowance to noncurrent loans | 217.7372% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.8642% | 2,921 |
| Noncurrent loans to loans | 0.8785% | 3,049 |
| Net loans and leases to total assets | 53.8059% | 4,468 |
| Net loans and leases to deposits | 68.5415% | 3,905 |
| Net loans and leases to core deposits | 78.1991% | 3,356 |
| Total domestic deposits to total assets | 78.5012% | 5,352 |
| Equity capital to assets | 10.7431% | 3,274 |
| Core capital (leverage) ratio | 10.5904% | 2,858 |
| Tier 1 risk-based capital ratio | 16.8208% | 2,546 |
| Total risk-based capital ratio | 18.0762% | 2,502 |
| Memoranda: | ||
| Average total assets | $564,020,500 | 1,222 |
| Average earning assets | $532,531,500 | 1,199 |
| Average equity | $60,569,500 | 1,265 |
| Average total loans | $299,994,500 | 1,480 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 2,382 |
| Cost of funding earning assets | 0.6872% | 1,166 |
| Net interest margin | 3.6691% | 3,133 |
| Noninterest income to average assets | 0.5684% | 3,062 |
| Noninterest expense to average assets | 2.9140% | 3,104 |
| Loan and lease loss provision to assets | 0.2269% | 1,078 |
| Net operating income to assets | 0.7156% | 3,814 |
| Return on assets (ROA) | 0.7373% | 3,803 |
| Pretax return on assets | 0.9017% | 3,896 |
| Return on Equity (ROE) | 6.9369% | 3,671 |
| Retained earnings to average equity (ytd only) | 4.5145% | 2,956 |
| Net charge-offs to loans | 0.3165% | 1,395 |
| Credit loss provision to net charge-offs | 133.9848% | 1,768 |
| Earnings coverage of net charge-offs (x) | 6.5071% | 3,185 |
| Efficiency ratio | 72.4059% | 3,135 |
| Assets per employee ($millions) | 3.8318% | 4,283 |
| Cash dividends to net income (ytd only)* | 34.9214% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0553% | 1,018 |
| Loan loss allowance to noncurrent loans | 141.0770% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.0262% | 2,692 |
| Noncurrent loans to loans | 1.4569% | 2,015 |
| Net loans and leases to total assets | 50.4364% | 4,925 |
| Net loans and leases to deposits | 63.4190% | 4,588 |
| Net loans and leases to core deposits | 72.2062% | 4,102 |
| Total domestic deposits to total assets | 79.5289% | 5,139 |
| Equity capital to assets | 10.7346% | 3,196 |
| Core capital (leverage) ratio | 10.6882% | 2,731 |
| Tier 1 risk-based capital ratio | 19.5768% | 1,696 |
| Total risk-based capital ratio | 20.8361% | 1,657 |
| Memoranda: | ||
| Average total assets | $543,760,800 | 1,230 |
| Average earning assets | $510,945,200 | 1,199 |
| Average equity | $57,792,200 | 1,263 |
| Average total loans | $291,030,000 | 1,471 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 2,130 |
| Cost of funding earning assets | 0.7081% | 1,115 |
| Net interest margin | 3.7200% | 2,939 |
| Noninterest income to average assets | 0.5535% | 3,183 |
| Noninterest expense to average assets | 2.8279% | 3,359 |
| Loan and lease loss provision to assets | 0.2248% | 1,009 |
| Net operating income to assets | 0.7815% | 3,505 |
| Return on assets (ROA) | 0.8496% | 3,273 |
| Pretax return on assets | 1.0788% | 3,272 |
| Return on Equity (ROE) | 8.0147% | 3,195 |
| Retained earnings to average equity (ytd only) | 8.0147% | 1,354 |
| Net charge-offs to loans | 0.3816% | 1,045 |
| Credit loss provision to net charge-offs | 108.9820% | 2,054 |
| Earnings coverage of net charge-offs (x) | 5.9030% | 3,174 |
| Efficiency ratio | 69.7540% | 3,552 |
| Assets per employee ($millions) | 3.8771% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9507% | 1,349 |
| Loan loss allowance to noncurrent loans | 113.2974% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.1913% | 2,577 |
| Noncurrent loans to loans | 1.7218% | 1,888 |
| Net loans and leases to total assets | 53.3868% | 4,650 |
| Net loans and leases to deposits | 68.2772% | 4,100 |
| Net loans and leases to core deposits | 75.0845% | 3,845 |
| Total domestic deposits to total assets | 78.1912% | 5,493 |
| Equity capital to assets | 11.2908% | 2,667 |
| Core capital (leverage) ratio | 11.0862% | 2,406 |
| Tier 1 risk-based capital ratio | 19.7785% | 1,721 |
| Total risk-based capital ratio | 21.0367% | 1,689 |
| Memoranda: | ||
| Average total assets | $539,840,250 | 1,246 |
| Average earning assets | $506,722,500 | 1,223 |
| Average equity | $57,226,750 | 1,286 |
| Average total loans | $291,766,500 | 1,477 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4857% | 1,876 |
| Cost of funding earning assets | 0.7263% | 1,045 |
| Net interest margin | 3.7594% | 2,720 |
| Noninterest income to average assets | 0.5611% | 3,046 |
| Noninterest expense to average assets | 2.7667% | 3,626 |
| Loan and lease loss provision to assets | 0.2216% | 1,045 |
| Net operating income to assets | 0.8576% | 3,028 |
| Return on assets (ROA) | 0.9582% | 2,603 |
| Pretax return on assets | 1.2271% | 2,548 |
| Return on Equity (ROE) | 9.2370% | 2,483 |
| Retained earnings to average equity (ytd only) | 9.2370% | 903 |
| Net charge-offs to loans | 0.3350% | 1,217 |
| Credit loss provision to net charge-offs | 122.6994% | 1,695 |
| Earnings coverage of net charge-offs (x) | 7.3067% | 2,651 |
| Efficiency ratio | 67.5585% | 4,098 |
| Assets per employee ($millions) | 3.8979% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9569% | 1,438 |
| Loan loss allowance to noncurrent loans | 89.6536% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 2,618 |
| Noncurrent loans to loans | 2.1828% | 1,506 |
| Net loans and leases to total assets | 53.2663% | 4,619 |
| Net loans and leases to deposits | 67.3904% | 4,124 |
| Net loans and leases to core deposits | 73.6146% | 3,878 |
| Total domestic deposits to total assets | 79.0415% | 5,445 |
| Equity capital to assets | 10.9258% | 2,952 |
| Core capital (leverage) ratio | 10.6715% | 2,754 |
| Tier 1 risk-based capital ratio | 19.4444% | 1,811 |
| Total risk-based capital ratio | 20.7025% | 1,783 |
| Memoranda: | ||
| Average total assets | $541,438,330 | 1,243 |
| Average earning assets | $507,745,670 | 1,212 |
| Average equity | $56,165,330 | 1,296 |
| Average total loans | $291,913,000 | 1,464 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 2,423 |
| Cost of funding earning assets | 0.7269% | 1,096 |
| Net interest margin | 3.5994% | 3,243 |
| Noninterest income to average assets | 0.5280% | 3,209 |
| Noninterest expense to average assets | 2.6016% | 4,264 |
| Loan and lease loss provision to assets | 0.2209% | 1,028 |
| Net operating income to assets | 0.8386% | 2,955 |
| Return on assets (ROA) | 0.8697% | 2,864 |
| Pretax return on assets | 1.1215% | 2,806 |
| Return on Equity (ROE) | 8.6106% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.6106% | 1,382 |
| Net charge-offs to loans | 0.1508% | 1,815 |
| Credit loss provision to net charge-offs | 272.7273% | 847 |
| Earnings coverage of net charge-offs (x) | 16.0818% | 1,518 |
| Efficiency ratio | 66.4843% | 4,450 |
| Assets per employee ($millions) | 3.9421% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9713% | 1,572 |
| Loan loss allowance to noncurrent loans | 78.6839% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.4720% | 2,405 |
| Noncurrent loans to loans | 2.5054% | 1,380 |
| Net loans and leases to total assets | 52.6262% | 4,590 |
| Net loans and leases to deposits | 67.0050% | 3,973 |
| Net loans and leases to core deposits | 74.3215% | 3,614 |
| Total domestic deposits to total assets | 78.5408% | 5,748 |
| Equity capital to assets | 10.3026% | 3,467 |
| Core capital (leverage) ratio | 10.4792% | 2,958 |
| Tier 1 risk-based capital ratio | 19.1221% | 1,929 |
| Total risk-based capital ratio | 20.3809% | 1,890 |
| Memoranda: | ||
| Average total assets | $543,202,500 | 1,246 |
| Average earning assets | $509,526,500 | 1,214 |
| Average equity | $54,862,500 | 1,316 |
| Average total loans | $291,747,500 | 1,473 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 2,148 |
| Cost of funding earning assets | 0.8045% | 1,190 |
| Net interest margin | 3.7108% | 3,012 |
| Noninterest income to average assets | 0.6020% | 3,087 |
| Noninterest expense to average assets | 2.6697% | 4,212 |
| Loan and lease loss provision to assets | 0.3763% | 821 |
| Net operating income to assets | 0.8243% | 3,162 |
| Return on assets (ROA) | 0.8357% | 3,187 |
| Pretax return on assets | 1.0498% | 3,154 |
| Return on Equity (ROE) | 7.9109% | 3,072 |
| Retained earnings to average equity (ytd only) | -3.0086% | 6,264 |
| Net charge-offs to loans | 0.9575% | 627 |
| Credit loss provision to net charge-offs | 72.5232% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.7213% | 4,093 |
| Efficiency ratio | 65.2593% | 4,690 |
| Assets per employee ($millions) | 3.8461% | 4,170 |
| Cash dividends to net income (ytd only)* | 138.0310% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9383% | 1,686 |
| Loan loss allowance to noncurrent loans | 70.9245% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.5946% | 2,334 |
| Noncurrent loans to loans | 2.7329% | 1,319 |
| Net loans and leases to total assets | 52.6920% | 4,763 |
| Net loans and leases to deposits | 66.7112% | 4,218 |
| Net loans and leases to core deposits | 73.0130% | 3,943 |
| Total domestic deposits to total assets | 78.9852% | 5,655 |
| Equity capital to assets | 9.8935% | 3,909 |
| Core capital (leverage) ratio | 10.2094% | 3,282 |
| Tier 1 risk-based capital ratio | 18.9148% | 1,950 |
| Total risk-based capital ratio | 20.1729% | 1,905 |
| Memoranda: | ||
| Average total assets | $540,840,400 | 1,226 |
| Average earning assets | $507,141,800 | 1,198 |
| Average equity | $57,136,000 | 1,260 |
| Average total loans | $293,047,400 | 1,448 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5049% | 2,212 |
| Cost of funding earning assets | 0.8170% | 1,223 |
| Net interest margin | 3.6879% | 3,077 |
| Noninterest income to average assets | 0.5932% | 3,188 |
| Noninterest expense to average assets | 2.6282% | 4,287 |
| Loan and lease loss provision to assets | 0.3484% | 922 |
| Net operating income to assets | 0.8770% | 2,956 |
| Return on assets (ROA) | 0.8875% | 3,013 |
| Pretax return on assets | 1.0884% | 3,160 |
| Return on Equity (ROE) | 8.2703% | 2,989 |
| Retained earnings to average equity (ytd only) | 1.7555% | 5,260 |
| Net charge-offs to loans | 1.1760% | 463 |
| Credit loss provision to net charge-offs | 54.5700% | 3,405 |
| Earnings coverage of net charge-offs (x) | 2.2302% | 4,098 |
| Efficiency ratio | 64.7059% | 4,695 |
| Assets per employee ($millions) | 4.0312% | 3,768 |
| Cash dividends to net income (ytd only)* | 78.7737% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 2,449 |
| Loan loss allowance to noncurrent loans | 71.0519% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.6356% | 2,509 |
| Noncurrent loans to loans | 2.4637% | 1,767 |
| Net loans and leases to total assets | 53.6392% | 4,674 |
| Net loans and leases to deposits | 68.5584% | 3,991 |
| Net loans and leases to core deposits | 74.9929% | 3,734 |
| Total domestic deposits to total assets | 78.2387% | 5,870 |
| Equity capital to assets | 10.3008% | 3,511 |
| Core capital (leverage) ratio | 10.9656% | 2,515 |
| Tier 1 risk-based capital ratio | 19.3722% | 1,889 |
| Total risk-based capital ratio | 20.6222% | 1,858 |
| Memoranda: | ||
| Average total assets | $541,437,000 | 1,243 |
| Average earning assets | $507,852,750 | 1,210 |
| Average equity | $58,102,000 | 1,248 |
| Average total loans | $293,976,750 | 1,436 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5036% | 2,189 |
| Cost of funding earning assets | 0.8396% | 1,206 |
| Net interest margin | 3.6640% | 3,110 |
| Noninterest income to average assets | 0.5491% | 3,506 |
| Noninterest expense to average assets | 2.6930% | 4,054 |
| Loan and lease loss provision to assets | 0.3016% | 1,194 |
| Net operating income to assets | 0.8114% | 3,230 |
| Return on assets (ROA) | 0.8270% | 3,316 |
| Pretax return on assets | 1.0150% | 3,439 |
| Return on Equity (ROE) | 7.6042% | 3,287 |
| Retained earnings to average equity (ytd only) | -2.0550% | 6,198 |
| Net charge-offs to loans | 1.6434% | 303 |
| Credit loss provision to net charge-offs | 33.8596% | 3,521 |
| Earnings coverage of net charge-offs (x) | 1.4566% | 4,051 |
| Efficiency ratio | 67.3405% | 4,302 |
| Assets per employee ($millions) | 3.9004% | 4,013 |
| Cash dividends to net income (ytd only)* | 127.0246% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 3,069 |
| Loan loss allowance to noncurrent loans | 56.6308% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 2.0215% | 2,133 |
| Noncurrent loans to loans | 2.8709% | 1,571 |
| Net loans and leases to total assets | 54.6040% | 4,506 |
| Net loans and leases to deposits | 69.5923% | 3,775 |
| Net loans and leases to core deposits | 76.3264% | 3,508 |
| Total domestic deposits to total assets | 78.4627% | 5,884 |
| Equity capital to assets | 10.7299% | 3,020 |
| Core capital (leverage) ratio | 10.4837% | 2,891 |
| Tier 1 risk-based capital ratio | 19.3536% | 1,894 |
| Total risk-based capital ratio | 20.6085% | 1,863 |
| Memoranda: | ||
| Average total assets | $540,512,670 | 1,242 |
| Average earning assets | $507,638,000 | 1,213 |
| Average equity | $58,783,330 | 1,234 |
| Average total loans | $292,932,000 | 1,439 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4629% | 2,305 |
| Cost of funding earning assets | 0.8599% | 1,203 |
| Net interest margin | 3.6030% | 3,249 |
| Noninterest income to average assets | 0.5360% | 3,526 |
| Noninterest expense to average assets | 2.7107% | 4,015 |
| Loan and lease loss provision to assets | 0.2200% | 1,685 |
| Net operating income to assets | 0.8028% | 3,149 |
| Return on assets (ROA) | 0.8337% | 3,131 |
| Pretax return on assets | 1.0353% | 3,204 |
| Return on Equity (ROE) | 7.6160% | 3,153 |
| Retained earnings to average equity (ytd only) | -11.4005% | 6,665 |
| Net charge-offs to loans | 0.8912% | 683 |
| Credit loss provision to net charge-offs | 46.0829% | 2,661 |
| Earnings coverage of net charge-offs (x) | 2.5499% | 3,005 |
| Efficiency ratio | 68.8632% | 4,168 |
| Assets per employee ($millions) | 3.9182% | 4,125 |
| Cash dividends to net income (ytd only)* | 249.6922% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0716% | 1,864 |
| Loan loss allowance to noncurrent loans | 87.2359% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.8637% | 2,524 |
| Noncurrent loans to loans | 2.3747% | 2,190 |
| Net loans and leases to total assets | 52.3206% | 4,661 |
| Net loans and leases to deposits | 65.8257% | 4,077 |
| Net loans and leases to core deposits | 73.4788% | 3,641 |
| Total domestic deposits to total assets | 79.4835% | 5,879 |
| Equity capital to assets | 10.7594% | 3,245 |
| Core capital (leverage) ratio | 10.2076% | 3,139 |
| Tier 1 risk-based capital ratio | 19.2053% | 1,980 |
| Total risk-based capital ratio | 20.4658% | 1,954 |
| Memoranda: | ||
| Average total assets | $545,543,000 | 1,239 |
| Average earning assets | $513,565,000 | 1,214 |
| Average equity | $59,716,500 | 1,229 |
| Average total loans | $292,180,500 | 1,446 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8800% | 1,905 |
| Cost of funding earning assets | 1.0342% | 1,189 |
| Net interest margin | 3.8459% | 3,037 |
| Noninterest income to average assets | 0.6172% | 3,185 |
| Noninterest expense to average assets | 2.6073% | 4,715 |
| Loan and lease loss provision to assets | 0.2382% | 2,750 |
| Net operating income to assets | 1.0419% | 2,162 |
| Return on assets (ROA) | 1.0333% | 2,400 |
| Pretax return on assets | 1.3818% | 2,104 |
| Return on Equity (ROE) | 9.6201% | 2,351 |
| Retained earnings to average equity (ytd only) | 6.5931% | 1,766 |
| Net charge-offs to loans | 0.8194% | 1,427 |
| Credit loss provision to net charge-offs | 51.4037% | 4,664 |
| Earnings coverage of net charge-offs (x) | 3.5204% | 3,696 |
| Efficiency ratio | 61.3662% | 5,336 |
| Assets per employee ($millions) | 3.9313% | 4,074 |
| Cash dividends to net income (ytd only)* | 31.4651% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1743% | 1,597 |
| Loan loss allowance to noncurrent loans | 74.5210% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 2.0110% | 2,439 |
| Noncurrent loans to loans | 2.9177% | 1,791 |
| Net loans and leases to total assets | 52.5203% | 4,840 |
| Net loans and leases to deposits | 65.5289% | 4,354 |
| Net loans and leases to core deposits | 73.3650% | 3,867 |
| Total domestic deposits to total assets | 80.1483% | 5,622 |
| Equity capital to assets | 11.1324% | 2,803 |
| Core capital (leverage) ratio | 10.5708% | 2,683 |
| Tier 1 risk-based capital ratio | 19.6966% | 1,754 |
| Total risk-based capital ratio | 20.9583% | 1,720 |
| Memoranda: | ||
| Average total assets | $545,656,800 | 1,230 |
| Average earning assets | $513,849,400 | 1,181 |
| Average equity | $58,606,600 | 1,209 |
| Average total loans | $308,626,600 | 1,362 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0235% | 1,633 |
| Cost of funding earning assets | 1.0577% | 1,244 |
| Net interest margin | 3.9658% | 2,648 |
| Noninterest income to average assets | 0.5583% | 3,553 |
| Noninterest expense to average assets | 2.6169% | 4,687 |
| Loan and lease loss provision to assets | 0.2645% | 2,461 |
| Net operating income to assets | 1.0418% | 2,313 |
| Return on assets (ROA) | 1.0308% | 2,580 |
| Pretax return on assets | 1.3974% | 2,245 |
| Return on Equity (ROE) | 9.6857% | 2,504 |
| Retained earnings to average equity (ytd only) | 9.5686% | 1,037 |
| Net charge-offs to loans | 0.5262% | 2,039 |
| Credit loss provision to net charge-offs | 87.7534% | 3,367 |
| Earnings coverage of net charge-offs (x) | 5.5637% | 2,990 |
| Efficiency ratio | 60.8050% | 5,352 |
| Assets per employee ($millions) | 3.8757% | 4,141 |
| Cash dividends to net income (ytd only)* | 1.2094% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4528% | 1,266 |
| Loan loss allowance to noncurrent loans | 54.1186% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.9315% | 1,786 |
| Noncurrent loans to loans | 4.5322% | 1,039 |
| Net loans and leases to total assets | 54.2692% | 4,716 |
| Net loans and leases to deposits | 68.3654% | 4,119 |
| Net loans and leases to core deposits | 76.7430% | 3,633 |
| Total domestic deposits to total assets | 79.3811% | 5,789 |
| Equity capital to assets | 11.0847% | 3,172 |
| Core capital (leverage) ratio | 10.6211% | 2,776 |
| Tier 1 risk-based capital ratio | 19.2148% | 1,944 |
| Total risk-based capital ratio | 20.4800% | 1,914 |
| Memoranda: | ||
| Average total assets | $545,456,750 | 1,244 |
| Average earning assets | $513,784,500 | 1,196 |
| Average equity | $58,049,750 | 1,227 |
| Average total loans | $312,438,250 | 1,354 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0744% | 1,584 |
| Cost of funding earning assets | 1.0823% | 1,298 |
| Net interest margin | 3.9922% | 2,537 |
| Noninterest income to average assets | 0.5558% | 3,550 |
| Noninterest expense to average assets | 2.5983% | 4,786 |
| Loan and lease loss provision to assets | 0.2825% | 2,315 |
| Net operating income to assets | 1.0436% | 2,275 |
| Return on assets (ROA) | 1.0273% | 2,569 |
| Pretax return on assets | 1.4136% | 2,150 |
| Return on Equity (ROE) | 9.7888% | 2,452 |
| Retained earnings to average equity (ytd only) | 9.7888% | 1,036 |
| Net charge-offs to loans | 0.4048% | 2,407 |
| Credit loss provision to net charge-offs | 120.6897% | 2,279 |
| Earnings coverage of net charge-offs (x) | 7.3417% | 2,498 |
| Efficiency ratio | 60.0544% | 5,566 |
| Assets per employee ($millions) | 3.8224% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4803% | 1,311 |
| Loan loss allowance to noncurrent loans | 55.9977% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 2.8791% | 1,918 |
| Noncurrent loans to loans | 4.4293% | 1,204 |
| Net loans and leases to total assets | 56.0663% | 4,458 |
| Net loans and leases to deposits | 70.7397% | 3,792 |
| Net loans and leases to core deposits | 77.6990% | 3,561 |
| Total domestic deposits to total assets | 79.2572% | 5,910 |
| Equity capital to assets | 10.8673% | 3,269 |
| Core capital (leverage) ratio | 10.3186% | 3,024 |
| Tier 1 risk-based capital ratio | 18.2200% | 2,220 |
| Total risk-based capital ratio | 19.4857% | 2,189 |
| Memoranda: | ||
| Average total assets | $545,117,670 | 1,242 |
| Average earning assets | $513,557,670 | 1,193 |
| Average equity | $57,208,000 | 1,244 |
| Average total loans | $315,243,000 | 1,344 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0389% | 1,758 |
| Cost of funding earning assets | 1.0978% | 1,418 |
| Net interest margin | 3.9411% | 2,760 |
| Noninterest income to average assets | 0.5374% | 3,649 |
| Noninterest expense to average assets | 2.5862% | 4,868 |
| Loan and lease loss provision to assets | 0.3295% | 1,901 |
| Net operating income to assets | 0.9570% | 2,652 |
| Return on assets (ROA) | 0.9475% | 2,916 |
| Pretax return on assets | 1.3202% | 2,468 |
| Return on Equity (ROE) | 9.1904% | 2,739 |
| Retained earnings to average equity (ytd only) | 9.1904% | 1,518 |
| Net charge-offs to loans | 0.4419% | 1,987 |
| Credit loss provision to net charge-offs | 128.5714% | 1,885 |
| Earnings coverage of net charge-offs (x) | 6.4886% | 2,201 |
| Efficiency ratio | 60.7272% | 5,501 |
| Assets per employee ($millions) | 3.9886% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4498% | 1,427 |
| Loan loss allowance to noncurrent loans | 52.8891% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 2.9063% | 1,991 |
| Noncurrent loans to loans | 4.6320% | 1,238 |
| Net loans and leases to total assets | 55.3526% | 4,495 |
| Net loans and leases to deposits | 67.9797% | 4,062 |
| Net loans and leases to core deposits | 75.1491% | 3,723 |
| Total domestic deposits to total assets | 81.4252% | 5,487 |
| Equity capital to assets | 10.2460% | 3,795 |
| Core capital (leverage) ratio | 10.0687% | 3,289 |
| Tier 1 risk-based capital ratio | 17.5696% | 2,454 |
| Total risk-based capital ratio | 18.8348% | 2,416 |
| Memoranda: | ||
| Average total assets | $546,288,000 | 1,246 |
| Average earning assets | $514,480,000 | 1,196 |
| Average equity | $56,319,500 | 1,262 |
| Average total loans | $316,837,000 | 1,338 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3598% | 1,531 |
| Cost of funding earning assets | 1.2726% | 1,603 |
| Net interest margin | 4.0873% | 2,487 |
| Noninterest income to average assets | 1.1059% | 1,088 |
| Noninterest expense to average assets | 2.7778% | 4,437 |
| Loan and lease loss provision to assets | 0.5470% | 1,909 |
| Net operating income to assets | 1.0942% | 1,857 |
| Return on assets (ROA) | 1.0912% | 1,985 |
| Pretax return on assets | 1.6015% | 1,193 |
| Return on Equity (ROE) | 10.8774% | 1,735 |
| Retained earnings to average equity (ytd only) | 6.7784% | 1,600 |
| Net charge-offs to loans | 0.4518% | 3,174 |
| Credit loss provision to net charge-offs | 192.1803% | 1,328 |
| Earnings coverage of net charge-offs (x) | 7.5633% | 2,318 |
| Efficiency ratio | 56.2110% | 6,287 |
| Assets per employee ($millions) | 3.5639% | 4,858 |
| Cash dividends to net income (ytd only)* | 37.6837% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3844% | 1,482 |
| Loan loss allowance to noncurrent loans | 53.9842% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 2.8587% | 2,112 |
| Noncurrent loans to loans | 4.4168% | 1,361 |
| Net loans and leases to total assets | 57.8779% | 4,388 |
| Net loans and leases to deposits | 71.5109% | 3,873 |
| Net loans and leases to core deposits | 78.2613% | 3,651 |
| Total domestic deposits to total assets | 80.9358% | 5,468 |
| Equity capital to assets | 10.3749% | 3,683 |
| Core capital (leverage) ratio | 9.9795% | 3,364 |
| Tier 1 risk-based capital ratio | 17.0952% | 2,553 |
| Total risk-based capital ratio | 18.3598% | 2,510 |
| Memoranda: | ||
| Average total assets | $530,133,200 | 1,260 |
| Average earning assets | $496,079,200 | 1,220 |
| Average equity | $53,183,600 | 1,278 |
| Average total loans | $334,015,600 | 1,271 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4046% | 1,497 |
| Cost of funding earning assets | 1.3043% | 1,676 |
| Net interest margin | 4.1003% | 2,474 |
| Noninterest income to average assets | 1.2620% | 809 |
| Noninterest expense to average assets | 2.7748% | 4,447 |
| Loan and lease loss provision to assets | 0.6147% | 1,598 |
| Net operating income to assets | 1.1579% | 1,785 |
| Return on assets (ROA) | 1.1540% | 1,916 |
| Pretax return on assets | 1.6970% | 1,155 |
| Return on Equity (ROE) | 11.6039% | 1,646 |
| Retained earnings to average equity (ytd only) | 9.6238% | 950 |
| Net charge-offs to loans | 0.4469% | 2,936 |
| Credit loss provision to net charge-offs | 215.1060% | 1,339 |
| Earnings coverage of net charge-offs (x) | 8.1095% | 2,236 |
| Efficiency ratio | 54.3652% | 6,449 |
| Assets per employee ($millions) | 3.4911% | 5,026 |
| Cash dividends to net income (ytd only)* | 17.0640% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3094% | 1,673 |
| Loan loss allowance to noncurrent loans | 55.4654% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.8680% | 2,259 |
| Noncurrent loans to loans | 4.1637% | 1,582 |
| Net loans and leases to total assets | 59.9451% | 4,140 |
| Net loans and leases to deposits | 74.3885% | 3,603 |
| Net loans and leases to core deposits | 81.8995% | 3,342 |
| Total domestic deposits to total assets | 80.5839% | 5,575 |
| Equity capital to assets | 10.6250% | 3,545 |
| Core capital (leverage) ratio | 10.2241% | 3,168 |
| Tier 1 risk-based capital ratio | 17.0530% | 2,630 |
| Total risk-based capital ratio | 18.3173% | 2,578 |
| Memoranda: | ||
| Average total assets | $528,128,000 | 1,271 |
| Average earning assets | $493,344,500 | 1,233 |
| Average equity | $52,521,250 | 1,294 |
| Average total loans | $337,749,500 | 1,267 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3920% | 1,592 |
| Cost of funding earning assets | 1.3386% | 1,708 |
| Net interest margin | 4.0533% | 2,598 |
| Noninterest income to average assets | 0.6592% | 2,763 |
| Noninterest expense to average assets | 2.8023% | 4,416 |
| Loan and lease loss provision to assets | 0.4423% | 2,229 |
| Net operating income to assets | 0.8563% | 2,833 |
| Return on assets (ROA) | 0.8500% | 2,954 |
| Pretax return on assets | 1.1846% | 2,542 |
| Return on Equity (ROE) | 8.7480% | 2,620 |
| Retained earnings to average equity (ytd only) | 7.6550% | 1,600 |
| Net charge-offs to loans | 0.4383% | 2,819 |
| Credit loss provision to net charge-offs | 155.6742% | 1,954 |
| Earnings coverage of net charge-offs (x) | 5.7570% | 2,534 |
| Efficiency ratio | 63.0085% | 5,405 |
| Assets per employee ($millions) | 3.2154% | 5,603 |
| Cash dividends to net income (ytd only)* | 12.4944% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 2,520 |
| Loan loss allowance to noncurrent loans | 43.2633% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 3.4491% | 1,910 |
| Noncurrent loans to loans | 4.5023% | 1,475 |
| Net loans and leases to total assets | 64.5093% | 3,357 |
| Net loans and leases to deposits | 79.9495% | 2,811 |
| Net loans and leases to core deposits | 85.6928% | 2,956 |
| Total domestic deposits to total assets | 80.6875% | 5,626 |
| Equity capital to assets | 10.2958% | 3,755 |
| Core capital (leverage) ratio | 9.8519% | 3,450 |
| Tier 1 risk-based capital ratio | 15.7002% | 3,128 |
| Total risk-based capital ratio | 16.9596% | 3,098 |
| Memoranda: | ||
| Average total assets | $527,286,670 | 1,274 |
| Average earning assets | $491,545,000 | 1,243 |
| Average equity | $51,234,330 | 1,310 |
| Average total loans | $341,792,670 | 1,264 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2866% | 1,909 |
| Cost of funding earning assets | 1.3659% | 1,799 |
| Net interest margin | 3.9208% | 3,042 |
| Noninterest income to average assets | 0.5804% | 3,310 |
| Noninterest expense to average assets | 2.7912% | 4,479 |
| Loan and lease loss provision to assets | 0.5713% | 1,511 |
| Net operating income to assets | 0.6658% | 3,681 |
| Return on assets (ROA) | 0.6525% | 3,815 |
| Pretax return on assets | 0.8495% | 3,708 |
| Return on Equity (ROE) | 6.9161% | 3,426 |
| Retained earnings to average equity (ytd only) | 6.9161% | 2,183 |
| Net charge-offs to loans | 0.2897% | 2,897 |
| Credit loss provision to net charge-offs | 306.4516% | 1,049 |
| Earnings coverage of net charge-offs (x) | 7.7137% | 1,909 |
| Efficiency ratio | 65.8550% | 5,058 |
| Assets per employee ($millions) | 3.2652% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9791% | 2,467 |
| Loan loss allowance to noncurrent loans | 56.3238% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 3.1621% | 2,179 |
| Noncurrent loans to loans | 3.5137% | 2,122 |
| Net loans and leases to total assets | 63.0075% | 3,655 |
| Net loans and leases to deposits | 77.6734% | 3,116 |
| Net loans and leases to core deposits | 85.8490% | 2,895 |
| Total domestic deposits to total assets | 81.1185% | 5,630 |
| Equity capital to assets | 9.6343% | 4,273 |
| Core capital (leverage) ratio | 9.5120% | 3,785 |
| Tier 1 risk-based capital ratio | 15.1387% | 3,350 |
| Total risk-based capital ratio | 16.3983% | 3,310 |
| Memoranda: | ||
| Average total assets | $532,092,000 | 1,269 |
| Average earning assets | $495,211,000 | 1,242 |
| Average equity | $50,202,000 | 1,327 |
| Average total loans | $342,397,500 | 1,274 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5939% | 1,915 |
| Cost of funding earning assets | 1.6122% | 2,001 |
| Net interest margin | 3.9818% | 3,096 |
| Noninterest income to average assets | 0.5694% | 3,679 |
| Noninterest expense to average assets | 2.8142% | 4,542 |
| Loan and lease loss provision to assets | 1.0069% | 1,616 |
| Net operating income to assets | 0.4546% | 4,293 |
| Return on assets (ROA) | 0.1416% | 5,619 |
| Pretax return on assets | -0.0190% | 5,921 |
| Return on Equity (ROE) | 1.4887% | 5,563 |
| Retained earnings to average equity (ytd only) | -1.1838% | 5,833 |
| Net charge-offs to loans | 1.2428% | 1,805 |
| Credit loss provision to net charge-offs | 122.7116% | 3,402 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 4,368 |
| Efficiency ratio | 65.4369% | 5,084 |
| Assets per employee ($millions) | 3.2243% | 5,616 |
| Cash dividends to net income (ytd only)* | 179.5213% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 2,853 |
| Loan loss allowance to noncurrent loans | 54.0139% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 2.9974% | 2,345 |
| Noncurrent loans to loans | 3.3383% | 2,276 |
| Net loans and leases to total assets | 63.2566% | 4,020 |
| Net loans and leases to deposits | 78.2662% | 3,469 |
| Net loans and leases to core deposits | 90.0006% | 2,765 |
| Total domestic deposits to total assets | 80.8224% | 5,581 |
| Equity capital to assets | 9.2377% | 4,777 |
| Core capital (leverage) ratio | 9.2729% | 4,065 |
| Tier 1 risk-based capital ratio | 13.0932% | 4,527 |
| Total risk-based capital ratio | 14.3481% | 4,485 |
| Memoranda: | ||
| Average total assets | $531,230,400 | 1,260 |
| Average earning assets | $496,539,400 | 1,241 |
| Average equity | $50,514,200 | 1,316 |
| Average total loans | $350,746,600 | 1,278 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5845% | 2,124 |
| Cost of funding earning assets | 1.6481% | 2,115 |
| Net interest margin | 3.9364% | 3,375 |
| Noninterest income to average assets | 0.5821% | 3,565 |
| Noninterest expense to average assets | 2.8269% | 4,366 |
| Loan and lease loss provision to assets | 1.1502% | 1,264 |
| Net operating income to assets | 0.2693% | 5,283 |
| Return on assets (ROA) | 0.4747% | 4,616 |
| Pretax return on assets | 0.5064% | 4,906 |
| Return on Equity (ROE) | 4.9570% | 4,311 |
| Retained earnings to average equity (ytd only) | 4.5894% | 3,276 |
| Net charge-offs to loans | 1.3396% | 1,514 |
| Credit loss provision to net charge-offs | 129.2455% | 3,137 |
| Earnings coverage of net charge-offs (x) | 1.6160% | 4,507 |
| Efficiency ratio | 66.1341% | 4,829 |
| Assets per employee ($millions) | 3.3433% | 5,345 |
| Cash dividends to net income (ytd only)* | 7.4152% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7950% | 2,808 |
| Loan loss allowance to noncurrent loans | 49.4942% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 3.1984% | 2,241 |
| Noncurrent loans to loans | 3.6267% | 2,153 |
| Net loans and leases to total assets | 64.0455% | 4,121 |
| Net loans and leases to deposits | 81.3538% | 3,208 |
| Net loans and leases to core deposits | 92.7356% | 2,695 |
| Total domestic deposits to total assets | 78.7246% | 6,085 |
| Equity capital to assets | 9.8470% | 4,353 |
| Core capital (leverage) ratio | 9.7378% | 3,573 |
| Tier 1 risk-based capital ratio | 12.8963% | 4,658 |
| Total risk-based capital ratio | 14.1500% | 4,639 |
| Memoranda: | ||
| Average total assets | $530,231,000 | 1,276 |
| Average earning assets | $496,077,500 | 1,251 |
| Average equity | $50,782,000 | 1,321 |
| Average total loans | $352,237,250 | 1,288 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5849% | 2,190 |
| Cost of funding earning assets | 1.6641% | 2,316 |
| Net interest margin | 3.9209% | 3,348 |
| Noninterest income to average assets | 0.5909% | 3,402 |
| Noninterest expense to average assets | 2.8392% | 4,317 |
| Loan and lease loss provision to assets | 1.2719% | 1,096 |
| Net operating income to assets | 0.2338% | 5,441 |
| Return on assets (ROA) | 0.3571% | 5,101 |
| Pretax return on assets | 0.2720% | 5,586 |
| Return on Equity (ROE) | 3.7646% | 4,885 |
| Retained earnings to average equity (ytd only) | 3.7646% | 3,693 |
| Net charge-offs to loans | 1.1552% | 1,643 |
| Credit loss provision to net charge-offs | 164.7232% | 2,387 |
| Earnings coverage of net charge-offs (x) | 1.8398% | 4,141 |
| Efficiency ratio | 66.5098% | 4,880 |
| Assets per employee ($millions) | 3.2834% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 2,541 |
| Loan loss allowance to noncurrent loans | 40.8714% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 3.2651% | 2,158 |
| Noncurrent loans to loans | 4.5475% | 1,599 |
| Net loans and leases to total assets | 64.2094% | 4,216 |
| Net loans and leases to deposits | 80.5230% | 3,516 |
| Net loans and leases to core deposits | 91.5718% | 3,047 |
| Total domestic deposits to total assets | 79.7405% | 5,807 |
| Equity capital to assets | 9.5943% | 4,561 |
| Core capital (leverage) ratio | 9.6537% | 3,600 |
| Tier 1 risk-based capital ratio | 12.2346% | 5,093 |
| Total risk-based capital ratio | 13.4884% | 5,061 |
| Memoranda: | ||
| Average total assets | $528,667,000 | 1,285 |
| Average earning assets | $494,687,330 | 1,265 |
| Average equity | $50,151,330 | 1,331 |
| Average total loans | $353,364,330 | 1,301 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5781% | 2,249 |
| Cost of funding earning assets | 1.6774% | 2,496 |
| Net interest margin | 3.9007% | 3,320 |
| Noninterest income to average assets | 0.6125% | 3,188 |
| Noninterest expense to average assets | 2.8708% | 4,184 |
| Loan and lease loss provision to assets | 1.0593% | 1,166 |
| Net operating income to assets | 0.1999% | 5,693 |
| Return on assets (ROA) | 0.3475% | 5,213 |
| Pretax return on assets | 0.5697% | 4,720 |
| Return on Equity (ROE) | 3.6845% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.6845% | 3,945 |
| Net charge-offs to loans | 0.8149% | 1,903 |
| Credit loss provision to net charge-offs | 192.3717% | 1,921 |
| Earnings coverage of net charge-offs (x) | 2.5395% | 3,275 |
| Efficiency ratio | 67.1020% | 4,897 |
| Assets per employee ($millions) | 3.2656% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 3,175 |
| Loan loss allowance to noncurrent loans | 32.8301% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 3.7000% | 1,891 |
| Noncurrent loans to loans | 5.0856% | 1,411 |
| Net loans and leases to total assets | 65.2008% | 4,057 |
| Net loans and leases to deposits | 80.5365% | 3,546 |
| Net loans and leases to core deposits | 92.7458% | 3,008 |
| Total domestic deposits to total assets | 80.9581% | 5,475 |
| Equity capital to assets | 9.4073% | 4,667 |
| Core capital (leverage) ratio | 9.8261% | 3,374 |
| Tier 1 risk-based capital ratio | 12.1722% | 5,018 |
| Total risk-based capital ratio | 13.4241% | 4,987 |
| Memoranda: | ||
| Average total assets | $523,762,000 | 1,329 |
| Average earning assets | $490,990,000 | 1,300 |
| Average equity | $49,395,500 | 1,357 |
| Average total loans | $353,896,000 | 1,339 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2049% | 1,228 |
| Cost of funding earning assets | 1.9363% | 3,270 |
| Net interest margin | 4.2685% | 1,822 |
| Noninterest income to average assets | 0.6528% | 3,266 |
| Noninterest expense to average assets | 2.8083% | 4,946 |
| Loan and lease loss provision to assets | 0.8750% | 2,559 |
| Net operating income to assets | 0.7325% | 2,802 |
| Return on assets (ROA) | 0.8484% | 2,436 |
| Pretax return on assets | 1.1315% | 2,156 |
| Return on Equity (ROE) | 8.7438% | 2,103 |
| Retained earnings to average equity (ytd only) | 4.0751% | 2,364 |
| Net charge-offs to loans | 1.0640% | 2,286 |
| Credit loss provision to net charge-offs | 118.3392% | 4,563 |
| Earnings coverage of net charge-offs (x) | 2.5045% | 3,870 |
| Efficiency ratio | 60.1202% | 6,475 |
| Assets per employee ($millions) | 3.2001% | 5,722 |
| Cash dividends to net income (ytd only)* | 53.3946% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 3,870 |
| Loan loss allowance to noncurrent loans | 31.8157% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 3.3537% | 2,030 |
| Noncurrent loans to loans | 4.6300% | 1,520 |
| Net loans and leases to total assets | 67.8555% | 3,735 |
| Net loans and leases to deposits | 85.1867% | 3,050 |
| Net loans and leases to core deposits | 110.8955% | 2,807 |
| Total domestic deposits to total assets | 79.6551% | 5,792 |
| Equity capital to assets | 9.4553% | 4,482 |
| Core capital (leverage) ratio | 9.8679% | 3,244 |
| Tier 1 risk-based capital ratio | 12.2956% | 4,690 |
| Total risk-based capital ratio | 13.5461% | 4,651 |
| Memoranda: | ||
| Average total assets | $499,973,800 | 1,375 |
| Average earning assets | $469,390,400 | 1,342 |
| Average equity | $48,514,600 | 1,385 |
| Average total loans | $347,457,200 | 1,393 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2834% | 1,172 |
| Cost of funding earning assets | 1.9694% | 3,520 |
| Net interest margin | 4.3140% | 1,697 |
| Noninterest income to average assets | 0.6401% | 3,421 |
| Noninterest expense to average assets | 2.7310% | 5,188 |
| Loan and lease loss provision to assets | 0.8908% | 2,159 |
| Net operating income to assets | 0.7910% | 2,849 |
| Return on assets (ROA) | 0.9446% | 2,316 |
| Pretax return on assets | 1.2772% | 2,016 |
| Return on Equity (ROE) | 9.6701% | 2,043 |
| Retained earnings to average equity (ytd only) | 7.2904% | 1,398 |
| Net charge-offs to loans | 1.0867% | 1,832 |
| Credit loss provision to net charge-offs | 117.6784% | 4,319 |
| Earnings coverage of net charge-offs (x) | 2.5900% | 3,929 |
| Efficiency ratio | 58.0675% | 6,710 |
| Assets per employee ($millions) | 3.1325% | 5,826 |
| Cash dividends to net income (ytd only)* | 24.6087% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 3,746 |
| Loan loss allowance to noncurrent loans | 48.5662% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 2.1986% | 3,097 |
| Noncurrent loans to loans | 2.9624% | 2,555 |
| Net loans and leases to total assets | 68.1336% | 3,927 |
| Net loans and leases to deposits | 88.1160% | 2,932 |
| Net loans and leases to core deposits | 113.8536% | 2,837 |
| Total domestic deposits to total assets | 77.3226% | 6,259 |
| Equity capital to assets | 9.8860% | 4,229 |
| Core capital (leverage) ratio | 10.2474% | 3,019 |
| Tier 1 risk-based capital ratio | 13.8268% | 3,648 |
| Total risk-based capital ratio | 15.0782% | 3,605 |
| Memoranda: | ||
| Average total assets | $496,161,250 | 1,405 |
| Average earning assets | $465,980,250 | 1,368 |
| Average equity | $48,464,250 | 1,408 |
| Average total loans | $345,612,750 | 1,414 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3788% | 1,048 |
| Cost of funding earning assets | 2.0176% | 3,691 |
| Net interest margin | 4.3612% | 1,492 |
| Noninterest income to average assets | 0.6324% | 3,454 |
| Noninterest expense to average assets | 2.7279% | 5,265 |
| Loan and lease loss provision to assets | 0.9809% | 1,720 |
| Net operating income to assets | 0.8006% | 2,854 |
| Return on assets (ROA) | 0.9029% | 2,544 |
| Pretax return on assets | 1.1438% | 2,487 |
| Return on Equity (ROE) | 9.2825% | 2,261 |
| Retained earnings to average equity (ytd only) | 5.6706% | 2,171 |
| Net charge-offs to loans | 1.0899% | 1,668 |
| Credit loss provision to net charge-offs | 128.8687% | 3,610 |
| Earnings coverage of net charge-offs (x) | 2.6211% | 3,764 |
| Efficiency ratio | 57.6195% | 6,921 |
| Assets per employee ($millions) | 3.1443% | 5,730 |
| Cash dividends to net income (ytd only)* | 38.9114% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 3,430 |
| Loan loss allowance to noncurrent loans | 65.9326% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.7595% | 3,538 |
| Noncurrent loans to loans | 2.2089% | 3,247 |
| Net loans and leases to total assets | 69.7656% | 3,762 |
| Net loans and leases to deposits | 88.0288% | 3,164 |
| Net loans and leases to core deposits | 111.1031% | 3,244 |
| Total domestic deposits to total assets | 79.2532% | 5,732 |
| Equity capital to assets | 9.7075% | 4,341 |
| Core capital (leverage) ratio | 9.9931% | 3,306 |
| Tier 1 risk-based capital ratio | 12.4243% | 4,579 |
| Total risk-based capital ratio | 13.6747% | 4,503 |
| Memoranda: | ||
| Average total assets | $492,393,330 | 1,438 |
| Average earning assets | $461,841,670 | 1,400 |
| Average equity | $47,896,330 | 1,438 |
| Average total loans | $343,883,330 | 1,455 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4280% | 998 |
| Cost of funding earning assets | 2.0785% | 3,746 |
| Net interest margin | 4.3495% | 1,465 |
| Noninterest income to average assets | 0.6279% | 3,360 |
| Noninterest expense to average assets | 2.6533% | 5,209 |
| Loan and lease loss provision to assets | 0.3050% | 3,509 |
| Net operating income to assets | 1.1521% | 1,799 |
| Return on assets (ROA) | 1.1526% | 1,917 |
| Pretax return on assets | 1.7521% | 1,073 |
| Return on Equity (ROE) | 11.8371% | 1,717 |
| Retained earnings to average equity (ytd only) | 5.7807% | 2,737 |
| Net charge-offs to loans | 0.3342% | 2,757 |
| Credit loss provision to net charge-offs | 131.5789% | 3,054 |
| Earnings coverage of net charge-offs (x) | 8.8702% | 2,134 |
| Efficiency ratio | 56.2003% | 6,947 |
| Assets per employee ($millions) | 3.1503% | 5,737 |
| Cash dividends to net income (ytd only)* | 51.1644% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 3,781 |
| Loan loss allowance to noncurrent loans | 155.4625% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.8368% | 5,094 |
| Noncurrent loans to loans | 0.8704% | 5,274 |
| Net loans and leases to total assets | 68.3801% | 4,051 |
| Net loans and leases to deposits | 88.0388% | 3,282 |
| Net loans and leases to core deposits | 108.7987% | 3,586 |
| Total domestic deposits to total assets | 77.6703% | 6,112 |
| Equity capital to assets | 9.7124% | 4,364 |
| Core capital (leverage) ratio | 10.0260% | 3,381 |
| Tier 1 risk-based capital ratio | 12.3864% | 4,627 |
| Total risk-based capital ratio | 13.5615% | 4,614 |
| Memoranda: | ||
| Average total assets | $491,761,500 | 1,445 |
| Average earning assets | $461,478,500 | 1,410 |
| Average equity | $47,883,500 | 1,438 |
| Average total loans | $341,078,500 | 1,472 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7605% | 1,827 |
| Cost of funding earning assets | 2.8900% | 2,304 |
| Net interest margin | 3.8705% | 3,704 |
| Noninterest income to average assets | 0.6521% | 3,458 |
| Noninterest expense to average assets | 2.5486% | 5,832 |
| Loan and lease loss provision to assets | 0.3501% | 3,595 |
| Net operating income to assets | 0.9859% | 2,607 |
| Return on assets (ROA) | 1.0883% | 2,108 |
| Pretax return on assets | 1.5307% | 1,594 |
| Return on Equity (ROE) | 11.6890% | 1,688 |
| Retained earnings to average equity (ytd only) | 8.2409% | 768 |
| Net charge-offs to loans | 0.4240% | 2,698 |
| Credit loss provision to net charge-offs | 123.4961% | 4,344 |
| Earnings coverage of net charge-offs (x) | 6.1253% | 3,433 |
| Efficiency ratio | 59.3201% | 6,471 |
| Assets per employee ($millions) | 3.2379% | 5,370 |
| Cash dividends to net income (ytd only)* | 29.4985% | 4,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 3,533 |
| Loan loss allowance to noncurrent loans | 132.7400% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.9650% | 4,417 |
| Noncurrent loans to loans | 1.0100% | 4,564 |
| Net loans and leases to total assets | 68.4691% | 4,375 |
| Net loans and leases to deposits | 88.4109% | 3,738 |
| Net loans and leases to core deposits | 110.4762% | 3,733 |
| Total domestic deposits to total assets | 77.4442% | 5,890 |
| Equity capital to assets | 9.7621% | 4,345 |
| Core capital (leverage) ratio | 9.9061% | 3,543 |
| Tier 1 risk-based capital ratio | 13.6596% | 3,717 |
| Total risk-based capital ratio | 14.9101% | 3,633 |
| Memoranda: | ||
| Average total assets | $498,392,200 | 1,356 |
| Average earning assets | $467,818,600 | 1,327 |
| Average equity | $46,402,600 | 1,469 |
| Average total loans | $333,289,600 | 1,459 |