Home > The Citizens Bank of Clovis > Performance and Condition Ratios
The Citizens Bank of Clovis, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4308% | 1,257 |
| Cost of funding earning assets | 1.7776% | 1,284 |
| Net interest margin | 3.6532% | 1,852 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.4734% | 4,341 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 2.0101% | 459 |
| Return on assets (ROA) | 1.8218% | 570 |
| Pretax return on assets | 1.8218% | 861 |
| Return on Equity (ROE) | 34.0900% | 133 |
| Retained earnings to average equity (ytd only) | 12.3876% | 587 |
| Net charge-offs to loans | 0.0097% | 2,293 |
| Credit loss provision to net charge-offs | 2,703.7037% | 179 |
| Earnings coverage of net charge-offs (x) | 373.4074% | 372 |
| Efficiency ratio | 40.4735% | 4,353 |
| Assets per employee ($millions) | 9.6134% | 798 |
| Cash dividends to net income (ytd only)* | 63.6621% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,253 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.7500% | 2,695 |
| Net loans and leases to deposits | 73.0445% | 2,693 |
| Net loans and leases to core deposits | 81.7667% | 2,606 |
| Total domestic deposits to total assets | 84.5400% | 2,456 |
| Equity capital to assets | 4.9768% | 4,418 |
| Core capital (leverage) ratio | 11.2981% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $465,257,200 | 1,811 |
| Average earning assets | $428,667,400 | 1,815 |
| Average equity | $24,863,600 | 2,530 |
| Average total loans | $278,533,200 | 1,881 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1869% | 1,478 |
| Cost of funding earning assets | 1.5998% | 1,372 |
| Net interest margin | 3.5870% | 2,038 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 1.4402% | 4,361 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 2.1355% | 414 |
| Return on assets (ROA) | 1.8797% | 571 |
| Pretax return on assets | 1.8797% | 889 |
| Return on Equity (ROE) | 34.5200% | 166 |
| Retained earnings to average equity (ytd only) | 5.7602% | 2,701 |
| Net charge-offs to loans | 0.0133% | 1,919 |
| Credit loss provision to net charge-offs | 2,333.3333% | 206 |
| Earnings coverage of net charge-offs (x) | 294.1852% | 456 |
| Efficiency ratio | 38.3068% | 4,404 |
| Assets per employee ($millions) | 8.8432% | 986 |
| Cash dividends to net income (ytd only)* | 83.3152% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,084 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 60.6000% | 2,786 |
| Net loans and leases to deposits | 71.1126% | 2,768 |
| Net loans and leases to core deposits | 79.8374% | 2,617 |
| Total domestic deposits to total assets | 85.2200% | 2,435 |
| Equity capital to assets | 4.3260% | 4,365 |
| Core capital (leverage) ratio | 12.2338% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2740% | 1,485 |
| Memoranda: | ||
| Average total assets | $456,597,500 | 1,832 |
| Average earning assets | $418,532,500 | 1,843 |
| Average equity | $24,859,750 | 2,508 |
| Average total loans | $270,049,500 | 1,918 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0502% | 1,466 |
| Cost of funding earning assets | 1.3875% | 1,482 |
| Net interest margin | 3.6627% | 1,892 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.4421% | 4,377 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 1.9150% | 547 |
| Return on assets (ROA) | 1.8994% | 554 |
| Pretax return on assets | 1.8994% | 871 |
| Return on Equity (ROE) | 32.5200% | 174 |
| Retained earnings to average equity (ytd only) | -0.7388% | 4,189 |
| Net charge-offs to loans | 0.0213% | 1,458 |
| Credit loss provision to net charge-offs | 1,535.7143% | 312 |
| Earnings coverage of net charge-offs (x) | 169.1071% | 692 |
| Efficiency ratio | 40.6418% | 4,374 |
| Assets per employee ($millions) | 8.3273% | 1,172 |
| Cash dividends to net income (ytd only)* | 102.2717% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 1,933 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 3,319 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.6000% | 2,995 |
| Net loans and leases to deposits | 68.6555% | 2,886 |
| Net loans and leases to core deposits | 74.7865% | 2,842 |
| Total domestic deposits to total assets | 83.9000% | 2,846 |
| Equity capital to assets | 5.3877% | 4,310 |
| Core capital (leverage) ratio | 11.3539% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2588% | 1,494 |
| Memoranda: | ||
| Average total assets | $449,618,667 | 1,854 |
| Average earning assets | $412,696,000 | 1,866 |
| Average equity | $26,260,333 | 2,446 |
| Average total loans | $262,371,333 | 1,947 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8974% | 1,415 |
| Cost of funding earning assets | 1.0204% | 1,982 |
| Net interest margin | 3.8770% | 1,521 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.4287% | 4,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3474% | 301 |
| Return on assets (ROA) | 2.3474% | 300 |
| Pretax return on assets | 2.3474% | 442 |
| Return on Equity (ROE) | 38.6500% | 121 |
| Retained earnings to average equity (ytd only) | 5.7074% | 2,848 |
| Net charge-offs to loans | 0.0446% | 911 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 90.1379% | 839 |
| Efficiency ratio | 37.8359% | 4,494 |
| Assets per employee ($millions) | 8.3900% | 1,169 |
| Cash dividends to net income (ytd only)* | 85.2334% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,421 |
| Loan loss allowance to noncurrent loans | 10,573.3333% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 3,251 |
| Noncurrent loans to loans | 0.0116% | 3,735 |
| Net loans and leases to total assets | 57.5200% | 2,908 |
| Net loans and leases to deposits | 68.9732% | 2,692 |
| Net loans and leases to core deposits | 73.7049% | 2,699 |
| Total domestic deposits to total assets | 83.3900% | 3,224 |
| Equity capital to assets | 6.0206% | 4,194 |
| Core capital (leverage) ratio | 12.7404% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6239% | 1,461 |
| Memoranda: | ||
| Average total assets | $445,426,000 | 1,892 |
| Average earning assets | $410,830,500 | 1,899 |
| Average equity | $27,052,500 | 2,435 |
| Average total loans | $259,910,500 | 1,973 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9024% | 1,977 |
| Cost of funding earning assets | 0.5090% | 1,324 |
| Net interest margin | 3.3934% | 2,279 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.5316% | 4,395 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.5659% | 750 |
| Return on assets (ROA) | 1.5659% | 714 |
| Pretax return on assets | 1.5659% | 1,251 |
| Return on Equity (ROE) | 20.4200% | 440 |
| Retained earnings to average equity (ytd only) | 10.0098% | 1,148 |
| Net charge-offs to loans | -0.0013% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.7720% | 4,357 |
| Assets per employee ($millions) | 8.4185% | 1,131 |
| Cash dividends to net income (ytd only)* | 50.9742% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 2,507 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 3,346 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 57.7800% | 2,840 |
| Net loans and leases to deposits | 66.4514% | 2,861 |
| Net loans and leases to core deposits | 71.0184% | 2,798 |
| Total domestic deposits to total assets | 86.9500% | 2,405 |
| Equity capital to assets | 6.1260% | 4,043 |
| Core capital (leverage) ratio | 12.5738% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8298% | 1,406 |
| Memoranda: | ||
| Average total assets | $442,487,000 | 1,878 |
| Average earning assets | $409,442,400 | 1,884 |
| Average equity | $33,936,800 | 2,157 |
| Average total loans | $230,617,200 | 2,050 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6683% | 2,140 |
| Cost of funding earning assets | 0.4443% | 1,008 |
| Net interest margin | 3.2240% | 2,556 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.4826% | 4,440 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.6918% | 539 |
| Return on assets (ROA) | 1.6918% | 528 |
| Pretax return on assets | 1.6918% | 916 |
| Return on Equity (ROE) | 20.9900% | 360 |
| Retained earnings to average equity (ytd only) | 7.7590% | 2,097 |
| Net charge-offs to loans | -0.0012% | 3,201 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.2640% | 4,369 |
| Assets per employee ($millions) | 8.0487% | 1,297 |
| Cash dividends to net income (ytd only)* | 63.0377% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 3,965 |
| Loan loss allowance to noncurrent loans | 1,437.5000% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 3,587 |
| Noncurrent loans to loans | 0.0597% | 3,452 |
| Net loans and leases to total assets | 55.0100% | 3,004 |
| Net loans and leases to deposits | 61.4218% | 3,077 |
| Net loans and leases to core deposits | 65.9506% | 2,956 |
| Total domestic deposits to total assets | 89.5600% | 1,847 |
| Equity capital to assets | 6.5173% | 3,733 |
| Core capital (leverage) ratio | 11.7656% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4210% | 1,311 |
| Memoranda: | ||
| Average total assets | $441,563,250 | 1,889 |
| Average earning assets | $408,425,500 | 1,895 |
| Average equity | $35,587,750 | 2,120 |
| Average total loans | $223,050,500 | 2,092 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3486% | 2,579 |
| Cost of funding earning assets | 0.3682% | 1,123 |
| Net interest margin | 2.9803% | 2,939 |
| Noninterest income to average assets | 0.2411% | 3,728 |
| Noninterest expense to average assets | 1.4283% | 4,505 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5770% | 579 |
| Return on assets (ROA) | 1.5770% | 568 |
| Pretax return on assets | 1.5770% | 995 |
| Return on Equity (ROE) | 18.4170% | 424 |
| Retained earnings to average equity (ytd only) | 4.4043% | 2,919 |
| Net charge-offs to loans | -0.0931% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5262% | 4,368 |
| Assets per employee ($millions) | 7.8498% | 1,379 |
| Cash dividends to net income (ytd only)* | 76.0857% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 4,008 |
| Loan loss allowance to noncurrent loans | 847.9508% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 3,418 |
| Noncurrent loans to loans | 0.1036% | 3,229 |
| Net loans and leases to total assets | 54.0757% | 2,957 |
| Net loans and leases to deposits | 59.5454% | 3,088 |
| Net loans and leases to core deposits | 64.1618% | 2,952 |
| Total domestic deposits to total assets | 90.8143% | 1,331 |
| Equity capital to assets | 6.5086% | 4,017 |
| Core capital (leverage) ratio | 11.6005% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $443,875,000 | 1,891 |
| Average earning assets | $411,700,000 | 1,908 |
| Average equity | $38,008,333 | 2,080 |
| Average total loans | $217,019,000 | 2,129 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1810% | 2,746 |
| Cost of funding earning assets | 0.3629% | 1,112 |
| Net interest margin | 2.8180% | 3,085 |
| Noninterest income to average assets | 0.2463% | 3,668 |
| Noninterest expense to average assets | 1.5007% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3549% | 894 |
| Return on assets (ROA) | 1.3549% | 881 |
| Pretax return on assets | 1.3549% | 1,369 |
| Return on Equity (ROE) | 14.1977% | 797 |
| Retained earnings to average equity (ytd only) | 0.4938% | 3,920 |
| Net charge-offs to loans | -0.1945% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5529% | 4,156 |
| Assets per employee ($millions) | 8.1984% | 1,258 |
| Cash dividends to net income (ytd only)* | 96.5223% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 3,960 |
| Loan loss allowance to noncurrent loans | 847.9508% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 3,507 |
| Noncurrent loans to loans | 0.1096% | 3,287 |
| Net loans and leases to total assets | 48.9335% | 3,288 |
| Net loans and leases to deposits | 55.1149% | 3,334 |
| Net loans and leases to core deposits | 59.2329% | 3,211 |
| Total domestic deposits to total assets | 88.7845% | 2,175 |
| Equity capital to assets | 8.7816% | 2,899 |
| Core capital (leverage) ratio | 10.9942% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $449,918,000 | 1,884 |
| Average earning assets | $416,601,000 | 1,899 |
| Average equity | $42,936,500 | 1,951 |
| Average total loans | $207,761,500 | 2,177 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9483% | 3,970 |
| Cost of funding earning assets | 0.4513% | 1,192 |
| Net interest margin | 2.4970% | 4,193 |
| Noninterest income to average assets | 0.2111% | 4,107 |
| Noninterest expense to average assets | 1.4480% | 4,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0746% | 2,393 |
| Return on assets (ROA) | 1.0732% | 2,474 |
| Pretax return on assets | 1.0732% | 3,055 |
| Return on Equity (ROE) | 9.7024% | 2,637 |
| Retained earnings to average equity (ytd only) | 4.1542% | 3,165 |
| Net charge-offs to loans | -0.0046% | 3,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4018% | 3,535 |
| Assets per employee ($millions) | 8.1623% | 1,243 |
| Cash dividends to net income (ytd only)* | 57.1832% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,657 |
| Loan loss allowance to noncurrent loans | 763.1783% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 3,583 |
| Noncurrent loans to loans | 0.1338% | 3,261 |
| Net loans and leases to total assets | 42.5101% | 3,950 |
| Net loans and leases to deposits | 49.1706% | 3,934 |
| Net loans and leases to core deposits | 52.7101% | 3,844 |
| Total domestic deposits to total assets | 86.4543% | 2,730 |
| Equity capital to assets | 10.3082% | 2,363 |
| Core capital (leverage) ratio | 10.6124% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $428,721,200 | 1,899 |
| Average earning assets | $396,877,200 | 1,918 |
| Average equity | $47,421,400 | 1,848 |
| Average total loans | $195,371,800 | 2,263 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9781% | 4,045 |
| Cost of funding earning assets | 0.4739% | 1,189 |
| Net interest margin | 2.5042% | 4,267 |
| Noninterest income to average assets | 0.2080% | 4,158 |
| Noninterest expense to average assets | 1.4464% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0747% | 2,640 |
| Return on assets (ROA) | 1.0684% | 2,725 |
| Pretax return on assets | 1.0684% | 3,277 |
| Return on Equity (ROE) | 9.4881% | 2,934 |
| Retained earnings to average equity (ytd only) | 2.1352% | 4,158 |
| Net charge-offs to loans | -0.0061% | 3,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3711% | 3,371 |
| Assets per employee ($millions) | 8.2463% | 1,157 |
| Cash dividends to net income (ytd only)* | 77.4963% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 3,684 |
| Loan loss allowance to noncurrent loans | 658.5284% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 3,666 |
| Noncurrent loans to loans | 0.1588% | 3,330 |
| Net loans and leases to total assets | 41.0678% | 4,141 |
| Net loans and leases to deposits | 48.1219% | 4,113 |
| Net loans and leases to core deposits | 52.1360% | 4,027 |
| Total domestic deposits to total assets | 85.3411% | 3,005 |
| Equity capital to assets | 10.6183% | 2,347 |
| Core capital (leverage) ratio | 10.4309% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $423,670,000 | 1,936 |
| Average earning assets | $391,331,000 | 1,951 |
| Average equity | $47,707,750 | 1,854 |
| Average total loans | $196,012,750 | 2,294 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1286% | 3,807 |
| Cost of funding earning assets | 0.4848% | 1,292 |
| Net interest margin | 2.6438% | 4,093 |
| Noninterest income to average assets | 0.1808% | 4,300 |
| Noninterest expense to average assets | 1.4981% | 4,621 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1133% | 2,494 |
| Return on assets (ROA) | 1.1037% | 2,600 |
| Pretax return on assets | 1.1037% | 3,205 |
| Return on Equity (ROE) | 9.6010% | 2,912 |
| Retained earnings to average equity (ytd only) | 0.3406% | 4,459 |
| Net charge-offs to loans | -0.0091% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3676% | 3,356 |
| Assets per employee ($millions) | 7.6036% | 1,418 |
| Cash dividends to net income (ytd only)* | 96.4520% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 3,694 |
| Loan loss allowance to noncurrent loans | 643.4641% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 3,731 |
| Noncurrent loans to loans | 0.1610% | 3,412 |
| Net loans and leases to total assets | 44.1650% | 4,033 |
| Net loans and leases to deposits | 51.3804% | 4,027 |
| Net loans and leases to core deposits | 57.6386% | 3,785 |
| Total domestic deposits to total assets | 85.9568% | 2,754 |
| Equity capital to assets | 11.1717% | 1,856 |
| Core capital (leverage) ratio | 11.1399% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $413,710,667 | 1,956 |
| Average earning assets | $380,362,333 | 1,976 |
| Average equity | $47,557,333 | 1,850 |
| Average total loans | $198,606,667 | 2,286 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0626% | 3,961 |
| Cost of funding earning assets | 0.5037% | 1,372 |
| Net interest margin | 2.5589% | 4,223 |
| Noninterest income to average assets | 0.2276% | 4,013 |
| Noninterest expense to average assets | 1.5591% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0263% | 2,723 |
| Return on assets (ROA) | 1.0263% | 2,801 |
| Pretax return on assets | 1.0263% | 3,300 |
| Return on Equity (ROE) | 8.7989% | 3,105 |
| Retained earnings to average equity (ytd only) | -3.1292% | 4,609 |
| Net charge-offs to loans | -0.0177% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3036% | 2,994 |
| Assets per employee ($millions) | 7.2783% | 1,597 |
| Cash dividends to net income (ytd only)* | 135.5641% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 3,904 |
| Loan loss allowance to noncurrent loans | 522.2812% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 3,739 |
| Noncurrent loans to loans | 0.1884% | 3,429 |
| Net loans and leases to total assets | 47.7538% | 3,841 |
| Net loans and leases to deposits | 55.5013% | 3,831 |
| Net loans and leases to core deposits | 62.9953% | 3,497 |
| Total domestic deposits to total assets | 86.0410% | 2,725 |
| Equity capital to assets | 11.3302% | 1,637 |
| Core capital (leverage) ratio | 11.6503% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,665,500 | 1,965 |
| Average earning assets | $375,631,000 | 1,981 |
| Average equity | $47,551,500 | 1,834 |
| Average total loans | $202,898,000 | 2,264 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 3,486 |
| Cost of funding earning assets | 0.6516% | 1,981 |
| Net interest margin | 3.0819% | 3,672 |
| Noninterest income to average assets | 0.2436% | 4,028 |
| Noninterest expense to average assets | 1.6592% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.3745% | 1,076 |
| Return on assets (ROA) | 1.3740% | 1,167 |
| Pretax return on assets | 1.3740% | 1,745 |
| Return on Equity (ROE) | 11.1097% | 1,591 |
| Retained earnings to average equity (ytd only) | 4.7055% | 2,415 |
| Net charge-offs to loans | 0.1638% | 1,008 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 15.7295% | 2,160 |
| Efficiency ratio | 54.6927% | 4,132 |
| Assets per employee ($millions) | 6.6744% | 1,799 |
| Cash dividends to net income (ytd only)* | 57.6455% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 4,024 |
| Loan loss allowance to noncurrent loans | 518.5185% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 3,841 |
| Noncurrent loans to loans | 0.1838% | 3,557 |
| Net loans and leases to total assets | 50.8790% | 3,757 |
| Net loans and leases to deposits | 59.9409% | 3,768 |
| Net loans and leases to core deposits | 67.7375% | 3,431 |
| Total domestic deposits to total assets | 84.8819% | 2,810 |
| Equity capital to assets | 12.0105% | 1,560 |
| Core capital (leverage) ratio | 11.7698% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,499,600 | 1,934 |
| Average earning assets | $340,865,000 | 1,978 |
| Average equity | $46,562,800 | 1,796 |
| Average total loans | $200,864,600 | 2,225 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8844% | 3,305 |
| Cost of funding earning assets | 0.6950% | 2,050 |
| Net interest margin | 3.1894% | 3,514 |
| Noninterest income to average assets | 0.2472% | 3,995 |
| Noninterest expense to average assets | 1.6240% | 4,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4999% | 908 |
| Return on assets (ROA) | 1.4992% | 989 |
| Pretax return on assets | 1.4992% | 1,452 |
| Return on Equity (ROE) | 12.0283% | 1,361 |
| Retained earnings to average equity (ytd only) | 3.4185% | 3,347 |
| Net charge-offs to loans | 0.2431% | 632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 11.4505% | 2,303 |
| Efficiency ratio | 51.9871% | 4,344 |
| Assets per employee ($millions) | 6.5778% | 1,770 |
| Cash dividends to net income (ytd only)* | 71.5795% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 4,086 |
| Loan loss allowance to noncurrent loans | 276.8345% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 3,538 |
| Noncurrent loans to loans | 0.3237% | 3,125 |
| Net loans and leases to total assets | 54.8359% | 3,730 |
| Net loans and leases to deposits | 65.1956% | 3,678 |
| Net loans and leases to core deposits | 73.7719% | 3,334 |
| Total domestic deposits to total assets | 84.1098% | 2,780 |
| Equity capital to assets | 12.2096% | 1,570 |
| Core capital (leverage) ratio | 11.8351% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,508,000 | 1,938 |
| Average earning assets | $334,182,750 | 1,984 |
| Average equity | $46,179,000 | 1,802 |
| Average total loans | $199,652,500 | 2,237 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 3,067 |
| Cost of funding earning assets | 0.7344% | 2,209 |
| Net interest margin | 3.3596% | 3,225 |
| Noninterest income to average assets | 0.2496% | 3,976 |
| Noninterest expense to average assets | 1.6526% | 4,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6180% | 733 |
| Return on assets (ROA) | 1.6169% | 806 |
| Pretax return on assets | 1.6169% | 1,189 |
| Return on Equity (ROE) | 12.8797% | 1,130 |
| Retained earnings to average equity (ytd only) | 2.0447% | 3,735 |
| Net charge-offs to loans | 0.3833% | 413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 7.9088% | 2,330 |
| Efficiency ratio | 50.5283% | 4,470 |
| Assets per employee ($millions) | 6.3014% | 1,943 |
| Cash dividends to net income (ytd only)* | 84.1248% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 3,941 |
| Loan loss allowance to noncurrent loans | 275.1437% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 3,641 |
| Noncurrent loans to loans | 0.3322% | 3,201 |
| Net loans and leases to total assets | 53.1418% | 3,948 |
| Net loans and leases to deposits | 64.2875% | 3,859 |
| Net loans and leases to core deposits | 72.4502% | 3,562 |
| Total domestic deposits to total assets | 82.6627% | 3,188 |
| Equity capital to assets | 11.9084% | 1,721 |
| Core capital (leverage) ratio | 12.1388% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,647,667 | 1,941 |
| Average earning assets | $327,899,000 | 1,982 |
| Average equity | $45,777,333 | 1,799 |
| Average total loans | $194,624,667 | 2,256 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0391% | 3,680 |
| Cost of funding earning assets | 0.8131% | 2,306 |
| Net interest margin | 3.2260% | 3,793 |
| Noninterest income to average assets | 0.2700% | 3,919 |
| Noninterest expense to average assets | 1.7351% | 4,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4548% | 865 |
| Return on assets (ROA) | 1.4525% | 951 |
| Pretax return on assets | 1.4525% | 1,432 |
| Return on Equity (ROE) | 11.3619% | 1,301 |
| Retained earnings to average equity (ytd only) | -12.3154% | 4,837 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3929% | 4,369 |
| Assets per employee ($millions) | 5.9183% | 1,743 |
| Cash dividends to net income (ytd only)* | 208.3922% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 2,777 |
| Loan loss allowance to noncurrent loans | 299.4764% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 3,617 |
| Noncurrent loans to loans | 0.3941% | 3,072 |
| Net loans and leases to total assets | 53.9427% | 3,994 |
| Net loans and leases to deposits | 64.0852% | 3,981 |
| Net loans and leases to core deposits | 73.1121% | 3,687 |
| Total domestic deposits to total assets | 84.1734% | 2,722 |
| Equity capital to assets | 12.5664% | 1,697 |
| Core capital (leverage) ratio | 12.6938% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,110,500 | 1,956 |
| Average earning assets | $317,791,000 | 1,986 |
| Average equity | $44,887,000 | 1,817 |
| Average total loans | $187,170,000 | 2,287 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 2,889 |
| Cost of funding earning assets | 0.8485% | 2,438 |
| Net interest margin | 3.6667% | 2,913 |
| Noninterest income to average assets | 0.2657% | 4,090 |
| Noninterest expense to average assets | 1.8321% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7560% | 584 |
| Return on assets (ROA) | 1.7560% | 617 |
| Pretax return on assets | 1.7560% | 1,054 |
| Return on Equity (ROE) | 14.4198% | 811 |
| Retained earnings to average equity (ytd only) | 6.1475% | 1,794 |
| Net charge-offs to loans | -0.0705% | 4,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0601% | 4,667 |
| Assets per employee ($millions) | 5.6905% | 1,885 |
| Cash dividends to net income (ytd only)* | 57.3679% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 2,074 |
| Loan loss allowance to noncurrent loans | 22,880.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,676 |
| Noncurrent loans to loans | 0.0055% | 4,579 |
| Net loans and leases to total assets | 51.3405% | 4,266 |
| Net loans and leases to deposits | 60.8170% | 4,252 |
| Net loans and leases to core deposits | 68.6762% | 4,045 |
| Total domestic deposits to total assets | 84.4179% | 2,717 |
| Equity capital to assets | 13.0072% | 1,516 |
| Core capital (leverage) ratio | 12.9100% | 1,278 |
| Tier 1 risk-based capital ratio | 21.2567% | 1,122 |
| Total risk-based capital ratio | 22.3251% | 1,128 |
| Memoranda: | ||
| Average total assets | $347,035,000 | 1,922 |
| Average earning assets | $314,454,000 | 1,945 |
| Average equity | $42,261,400 | 1,845 |
| Average total loans | $192,982,000 | 2,216 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5957% | 2,741 |
| Cost of funding earning assets | 0.8371% | 2,521 |
| Net interest margin | 3.7586% | 2,721 |
| Noninterest income to average assets | 0.2632% | 4,166 |
| Noninterest expense to average assets | 1.7467% | 4,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9253% | 465 |
| Return on assets (ROA) | 1.9253% | 484 |
| Pretax return on assets | 1.9253% | 818 |
| Return on Equity (ROE) | 16.0841% | 591 |
| Retained earnings to average equity (ytd only) | 4.8628% | 2,953 |
| Net charge-offs to loans | -0.0925% | 4,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5672% | 4,876 |
| Assets per employee ($millions) | 5.7828% | 1,778 |
| Cash dividends to net income (ytd only)* | 69.7665% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 2,657 |
| Loan loss allowance to noncurrent loans | 19,066.6667% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 4,760 |
| Noncurrent loans to loans | 0.0061% | 4,658 |
| Net loans and leases to total assets | 55.6354% | 4,067 |
| Net loans and leases to deposits | 67.0540% | 3,993 |
| Net loans and leases to core deposits | 75.8117% | 3,711 |
| Total domestic deposits to total assets | 82.9711% | 3,179 |
| Equity capital to assets | 12.5974% | 1,841 |
| Core capital (leverage) ratio | 12.8252% | 1,426 |
| Tier 1 risk-based capital ratio | 19.7206% | 1,416 |
| Total risk-based capital ratio | 20.7360% | 1,436 |
| Memoranda: | ||
| Average total assets | $347,013,250 | 1,933 |
| Average earning assets | $314,719,750 | 1,950 |
| Average equity | $41,539,000 | 1,875 |
| Average total loans | $196,102,000 | 2,214 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5507% | 2,844 |
| Cost of funding earning assets | 0.8242% | 2,529 |
| Net interest margin | 3.7265% | 2,848 |
| Noninterest income to average assets | 0.2559% | 4,224 |
| Noninterest expense to average assets | 1.7451% | 4,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8828% | 503 |
| Return on assets (ROA) | 1.8828% | 526 |
| Pretax return on assets | 1.8828% | 865 |
| Return on Equity (ROE) | 16.0086% | 589 |
| Retained earnings to average equity (ytd only) | 2.4304% | 3,969 |
| Net charge-offs to loans | -0.1387% | 5,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1017% | 4,899 |
| Assets per employee ($millions) | 5.9397% | 1,586 |
| Cash dividends to net income (ytd only)* | 84.8179% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 2,736 |
| Loan loss allowance to noncurrent loans | 125.6452% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.5286% | 2,440 |
| Noncurrent loans to loans | 0.9238% | 1,771 |
| Net loans and leases to total assets | 56.5555% | 4,043 |
| Net loans and leases to deposits | 66.6140% | 4,056 |
| Net loans and leases to core deposits | 75.3444% | 3,781 |
| Total domestic deposits to total assets | 84.9003% | 2,524 |
| Equity capital to assets | 12.3917% | 1,915 |
| Core capital (leverage) ratio | 12.7417% | 1,428 |
| Tier 1 risk-based capital ratio | 18.8393% | 1,592 |
| Total risk-based capital ratio | 19.8322% | 1,610 |
| Memoranda: | ||
| Average total assets | $347,028,330 | 1,945 |
| Average earning assets | $314,020,330 | 1,966 |
| Average equity | $40,815,670 | 1,899 |
| Average total loans | $196,071,000 | 2,221 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 2,788 |
| Cost of funding earning assets | 0.8037% | 2,518 |
| Net interest margin | 3.7208% | 2,814 |
| Noninterest income to average assets | 0.2492% | 4,231 |
| Noninterest expense to average assets | 1.7606% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8754% | 479 |
| Return on assets (ROA) | 1.8754% | 495 |
| Pretax return on assets | 1.8754% | 839 |
| Return on Equity (ROE) | 16.3798% | 545 |
| Retained earnings to average equity (ytd only) | -0.0903% | 4,540 |
| Net charge-offs to loans | -0.0020% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4207% | 4,927 |
| Assets per employee ($millions) | 5.8265% | 1,687 |
| Cash dividends to net income (ytd only)* | 100.5511% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 3,164 |
| Loan loss allowance to noncurrent loans | 117.9726% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.5309% | 2,510 |
| Noncurrent loans to loans | 0.9279% | 1,802 |
| Net loans and leases to total assets | 56.5856% | 4,016 |
| Net loans and leases to deposits | 66.0516% | 4,047 |
| Net loans and leases to core deposits | 75.0149% | 3,734 |
| Total domestic deposits to total assets | 85.6687% | 2,416 |
| Equity capital to assets | 11.7792% | 2,170 |
| Core capital (leverage) ratio | 12.5328% | 1,492 |
| Tier 1 risk-based capital ratio | 18.4412% | 1,673 |
| Total risk-based capital ratio | 19.3665% | 1,723 |
| Memoranda: | ||
| Average total assets | $348,290,500 | 1,959 |
| Average earning assets | $317,032,000 | 1,969 |
| Average equity | $39,878,500 | 1,927 |
| Average total loans | $195,544,500 | 2,242 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 3,116 |
| Cost of funding earning assets | 0.6988% | 2,101 |
| Net interest margin | 3.5995% | 3,383 |
| Noninterest income to average assets | 0.2852% | 4,194 |
| Noninterest expense to average assets | 1.8071% | 4,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7549% | 609 |
| Return on assets (ROA) | 1.7549% | 604 |
| Pretax return on assets | 1.7549% | 1,038 |
| Return on Equity (ROE) | 16.2708% | 575 |
| Retained earnings to average equity (ytd only) | 6.1269% | 2,131 |
| Net charge-offs to loans | -0.0548% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7328% | 4,894 |
| Assets per employee ($millions) | 5.7839% | 1,688 |
| Cash dividends to net income (ytd only)* | 62.3444% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 3,051 |
| Loan loss allowance to noncurrent loans | 71.4950% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.8531% | 1,638 |
| Noncurrent loans to loans | 1.5482% | 966 |
| Net loans and leases to total assets | 54.4937% | 4,245 |
| Net loans and leases to deposits | 63.9369% | 4,260 |
| Net loans and leases to core deposits | 73.2488% | 3,907 |
| Total domestic deposits to total assets | 85.2305% | 2,542 |
| Equity capital to assets | 11.1288% | 2,577 |
| Core capital (leverage) ratio | 11.7502% | 1,917 |
| Tier 1 risk-based capital ratio | 18.4638% | 1,625 |
| Total risk-based capital ratio | 19.3896% | 1,672 |
| Memoranda: | ||
| Average total assets | $352,445,600 | 1,912 |
| Average earning assets | $320,848,000 | 1,920 |
| Average equity | $38,012,800 | 1,940 |
| Average total loans | $200,593,600 | 2,169 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 3,265 |
| Cost of funding earning assets | 0.6613% | 2,086 |
| Net interest margin | 3.5546% | 3,506 |
| Noninterest income to average assets | 0.2899% | 4,220 |
| Noninterest expense to average assets | 1.6831% | 5,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8470% | 555 |
| Return on assets (ROA) | 1.8470% | 551 |
| Pretax return on assets | 1.8470% | 912 |
| Return on Equity (ROE) | 17.2622% | 514 |
| Retained earnings to average equity (ytd only) | 3.6250% | 3,955 |
| Net charge-offs to loans | -0.0831% | 5,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6793% | 5,066 |
| Assets per employee ($millions) | 5.9167% | 1,555 |
| Cash dividends to net income (ytd only)* | 79.0001% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 3,434 |
| Loan loss allowance to noncurrent loans | 146.0606% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 3,019 |
| Noncurrent loans to loans | 0.7229% | 2,272 |
| Net loans and leases to total assets | 57.2508% | 4,109 |
| Net loans and leases to deposits | 66.7545% | 4,148 |
| Net loans and leases to core deposits | 75.8490% | 3,817 |
| Total domestic deposits to total assets | 85.7632% | 2,297 |
| Equity capital to assets | 10.5709% | 3,072 |
| Core capital (leverage) ratio | 11.8942% | 1,845 |
| Tier 1 risk-based capital ratio | 17.5685% | 1,906 |
| Total risk-based capital ratio | 18.4842% | 1,961 |
| Memoranda: | ||
| Average total assets | $352,353,250 | 1,922 |
| Average earning assets | $321,195,250 | 1,934 |
| Average equity | $37,700,000 | 1,956 |
| Average total loans | $202,138,500 | 2,166 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 3,039 |
| Cost of funding earning assets | 0.6445% | 1,963 |
| Net interest margin | 3.5791% | 3,388 |
| Noninterest income to average assets | 0.2942% | 4,213 |
| Noninterest expense to average assets | 1.6451% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9006% | 473 |
| Return on assets (ROA) | 1.9006% | 469 |
| Pretax return on assets | 1.9006% | 773 |
| Return on Equity (ROE) | 17.6918% | 455 |
| Retained earnings to average equity (ytd only) | 0.9217% | 4,776 |
| Net charge-offs to loans | -0.1253% | 5,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3970% | 5,195 |
| Assets per employee ($millions) | 5.6863% | 1,729 |
| Cash dividends to net income (ytd only)* | 94.7904% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,404 |
| Loan loss allowance to noncurrent loans | 148.1557% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 3,034 |
| Noncurrent loans to loans | 0.7264% | 2,295 |
| Net loans and leases to total assets | 57.4820% | 4,040 |
| Net loans and leases to deposits | 67.5395% | 4,049 |
| Net loans and leases to core deposits | 76.5418% | 3,698 |
| Total domestic deposits to total assets | 85.1087% | 2,631 |
| Equity capital to assets | 10.7174% | 2,914 |
| Core capital (leverage) ratio | 11.4902% | 2,086 |
| Tier 1 risk-based capital ratio | 17.7725% | 1,868 |
| Total risk-based capital ratio | 18.7181% | 1,902 |
| Memoranda: | ||
| Average total assets | $351,470,000 | 1,934 |
| Average earning assets | $319,297,000 | 1,946 |
| Average equity | $37,757,670 | 1,955 |
| Average total loans | $201,047,670 | 2,176 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1017% | 3,231 |
| Cost of funding earning assets | 0.6156% | 1,940 |
| Net interest margin | 3.4861% | 3,582 |
| Noninterest income to average assets | 0.3053% | 4,122 |
| Noninterest expense to average assets | 1.6135% | 5,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8679% | 490 |
| Return on assets (ROA) | 1.8679% | 494 |
| Pretax return on assets | 1.8679% | 782 |
| Return on Equity (ROE) | 17.3671% | 475 |
| Retained earnings to average equity (ytd only) | -1.1249% | 4,922 |
| Net charge-offs to loans | -0.2490% | 5,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3462% | 5,256 |
| Assets per employee ($millions) | 5.8301% | 1,658 |
| Cash dividends to net income (ytd only)* | 106.4770% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 3,713 |
| Loan loss allowance to noncurrent loans | 147.9181% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 3,182 |
| Noncurrent loans to loans | 0.7047% | 2,449 |
| Net loans and leases to total assets | 57.8457% | 3,952 |
| Net loans and leases to deposits | 69.2173% | 3,856 |
| Net loans and leases to core deposits | 78.9809% | 3,404 |
| Total domestic deposits to total assets | 83.5711% | 3,473 |
| Equity capital to assets | 10.4843% | 3,090 |
| Core capital (leverage) ratio | 11.6065% | 1,925 |
| Tier 1 risk-based capital ratio | 17.2723% | 2,043 |
| Total risk-based capital ratio | 18.1969% | 2,082 |
| Memoranda: | ||
| Average total assets | $353,771,500 | 1,929 |
| Average earning assets | $322,305,000 | 1,955 |
| Average equity | $38,049,000 | 1,949 |
| Average total loans | $200,794,000 | 2,190 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 3,612 |
| Cost of funding earning assets | 0.5863% | 1,701 |
| Net interest margin | 3.3535% | 3,998 |
| Noninterest income to average assets | 0.2654% | 4,542 |
| Noninterest expense to average assets | 1.7098% | 5,329 |
| Loan and lease loss provision to assets | 0.0563% | 3,102 |
| Net operating income to assets | 1.5425% | 735 |
| Return on assets (ROA) | 1.5175% | 781 |
| Pretax return on assets | 1.5175% | 1,568 |
| Return on Equity (ROE) | 14.4845% | 690 |
| Retained earnings to average equity (ytd only) | 5.5482% | 1,793 |
| Net charge-offs to loans | -0.0134% | 4,862 |
| Credit loss provision to net charge-offs | -740.7407% | 5,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6760% | 5,123 |
| Assets per employee ($millions) | 5.9644% | 1,540 |
| Cash dividends to net income (ytd only)* | 61.6954% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,597 |
| Loan loss allowance to noncurrent loans | 10,747.3684% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 5,167 |
| Noncurrent loans to loans | 0.0098% | 4,998 |
| Net loans and leases to total assets | 54.4645% | 4,318 |
| Net loans and leases to deposits | 63.9076% | 4,323 |
| Net loans and leases to core deposits | 72.8861% | 3,978 |
| Total domestic deposits to total assets | 85.2238% | 2,747 |
| Equity capital to assets | 11.0265% | 2,603 |
| Core capital (leverage) ratio | 11.5221% | 1,931 |
| Tier 1 risk-based capital ratio | 18.0701% | 1,782 |
| Total risk-based capital ratio | 18.9793% | 1,828 |
| Memoranda: | ||
| Average total assets | $355,256,400 | 1,890 |
| Average earning assets | $322,375,200 | 1,926 |
| Average equity | $37,219,200 | 1,964 |
| Average total loans | $201,716,000 | 2,141 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9275% | 3,592 |
| Cost of funding earning assets | 0.5780% | 1,683 |
| Net interest margin | 3.3495% | 4,017 |
| Noninterest income to average assets | 0.2685% | 4,587 |
| Noninterest expense to average assets | 1.6460% | 5,411 |
| Loan and lease loss provision to assets | 0.0749% | 2,573 |
| Net operating income to assets | 1.5875% | 744 |
| Return on assets (ROA) | 1.5875% | 761 |
| Pretax return on assets | 1.5875% | 1,468 |
| Return on Equity (ROE) | 15.3521% | 609 |
| Retained earnings to average equity (ytd only) | 3.3094% | 3,960 |
| Net charge-offs to loans | -0.0209% | 4,861 |
| Credit loss provision to net charge-offs | -625.0000% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7510% | 5,263 |
| Assets per employee ($millions) | 5.7908% | 1,659 |
| Cash dividends to net income (ytd only)* | 78.4435% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9589% | 4,285 |
| Loan loss allowance to noncurrent loans | 10,235.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,238 |
| Noncurrent loans to loans | 0.0094% | 5,104 |
| Net loans and leases to total assets | 59.8571% | 3,880 |
| Net loans and leases to deposits | 70.5783% | 3,913 |
| Net loans and leases to core deposits | 80.9000% | 3,379 |
| Total domestic deposits to total assets | 84.8096% | 2,796 |
| Equity capital to assets | 10.8449% | 3,021 |
| Core capital (leverage) ratio | 11.1821% | 2,293 |
| Tier 1 risk-based capital ratio | 15.5189% | 2,699 |
| Total risk-based capital ratio | 16.3246% | 2,816 |
| Memoranda: | ||
| Average total assets | $356,096,250 | 1,895 |
| Average earning assets | $323,180,750 | 1,935 |
| Average equity | $36,823,500 | 1,997 |
| Average total loans | $203,719,750 | 2,139 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 3,746 |
| Cost of funding earning assets | 0.5727% | 1,629 |
| Net interest margin | 3.2711% | 4,207 |
| Noninterest income to average assets | 0.2700% | 4,613 |
| Noninterest expense to average assets | 1.5948% | 5,500 |
| Loan and lease loss provision to assets | 0.0560% | 2,851 |
| Net operating income to assets | 1.5853% | 730 |
| Return on assets (ROA) | 1.5853% | 749 |
| Pretax return on assets | 1.5853% | 1,387 |
| Return on Equity (ROE) | 15.5868% | 585 |
| Retained earnings to average equity (ytd only) | 1.2558% | 4,745 |
| Net charge-offs to loans | -0.0319% | 4,986 |
| Credit loss provision to net charge-offs | -312.5000% | 4,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2816% | 5,340 |
| Assets per employee ($millions) | 5.7884% | 1,619 |
| Cash dividends to net income (ytd only)* | 91.9435% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 4,370 |
| Loan loss allowance to noncurrent loans | 3,090.4762% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 5,221 |
| Noncurrent loans to loans | 0.0310% | 5,034 |
| Net loans and leases to total assets | 56.0118% | 4,225 |
| Net loans and leases to deposits | 65.2301% | 4,281 |
| Net loans and leases to core deposits | 74.9913% | 3,857 |
| Total domestic deposits to total assets | 85.8680% | 2,435 |
| Equity capital to assets | 10.4405% | 3,416 |
| Core capital (leverage) ratio | 10.9536% | 2,456 |
| Tier 1 risk-based capital ratio | 15.3542% | 2,780 |
| Total risk-based capital ratio | 16.1269% | 2,909 |
| Memoranda: | ||
| Average total assets | $357,033,330 | 1,897 |
| Average earning assets | $323,742,670 | 1,938 |
| Average equity | $36,312,670 | 2,014 |
| Average total loans | $200,465,000 | 2,163 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8196% | 3,690 |
| Cost of funding earning assets | 0.5748% | 1,543 |
| Net interest margin | 3.2448% | 4,204 |
| Noninterest income to average assets | 0.2550% | 4,716 |
| Noninterest expense to average assets | 1.6051% | 5,552 |
| Loan and lease loss provision to assets | 0.1123% | 1,706 |
| Net operating income to assets | 1.4861% | 835 |
| Return on assets (ROA) | 1.4861% | 864 |
| Pretax return on assets | 1.4861% | 1,585 |
| Return on Equity (ROE) | 14.8092% | 674 |
| Retained earnings to average equity (ytd only) | -2.2723% | 5,195 |
| Net charge-offs to loans | -0.0241% | 4,838 |
| Credit loss provision to net charge-offs | -833.3333% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1052% | 5,370 |
| Assets per employee ($millions) | 5.9242% | 1,559 |
| Cash dividends to net income (ytd only)* | 115.3439% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 4,535 |
| Loan loss allowance to noncurrent loans | 2,876.1194% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 5,269 |
| Noncurrent loans to loans | 0.0331% | 5,067 |
| Net loans and leases to total assets | 56.3588% | 4,133 |
| Net loans and leases to deposits | 65.4376% | 4,215 |
| Net loans and leases to core deposits | 75.1269% | 3,729 |
| Total domestic deposits to total assets | 86.1261% | 2,615 |
| Equity capital to assets | 10.0911% | 3,643 |
| Core capital (leverage) ratio | 10.8340% | 2,567 |
| Tier 1 risk-based capital ratio | 15.8084% | 2,618 |
| Total risk-based capital ratio | 16.6045% | 2,745 |
| Memoranda: | ||
| Average total assets | $356,110,000 | 1,909 |
| Average earning assets | $323,595,000 | 1,946 |
| Average equity | $35,734,500 | 2,050 |
| Average total loans | $199,216,500 | 2,193 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5282% | 4,709 |
| Cost of funding earning assets | 0.5696% | 1,541 |
| Net interest margin | 2.9585% | 5,036 |
| Noninterest income to average assets | 0.2772% | 4,760 |
| Noninterest expense to average assets | 1.6883% | 5,578 |
| Loan and lease loss provision to assets | 0.0836% | 2,686 |
| Net operating income to assets | 1.2115% | 1,468 |
| Return on assets (ROA) | 1.2327% | 1,489 |
| Pretax return on assets | 1.2327% | 2,540 |
| Return on Equity (ROE) | 12.2399% | 1,182 |
| Retained earnings to average equity (ytd only) | 6.7867% | 1,315 |
| Net charge-offs to loans | 0.0043% | 4,095 |
| Credit loss provision to net charge-offs | 3,750.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 581.0000% | 143 |
| Efficiency ratio | 56.5891% | 5,004 |
| Assets per employee ($millions) | 5.8487% | 1,585 |
| Cash dividends to net income (ytd only)* | 44.5524% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 4,676 |
| Loan loss allowance to noncurrent loans | 7,891.3043% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 5,397 |
| Noncurrent loans to loans | 0.0117% | 5,239 |
| Net loans and leases to total assets | 54.4787% | 4,397 |
| Net loans and leases to deposits | 62.8281% | 4,482 |
| Net loans and leases to core deposits | 72.5771% | 4,047 |
| Total domestic deposits to total assets | 86.7107% | 2,284 |
| Equity capital to assets | 9.9784% | 3,748 |
| Core capital (leverage) ratio | 10.6171% | 2,758 |
| Tier 1 risk-based capital ratio | 16.4139% | 2,380 |
| Total risk-based capital ratio | 17.1883% | 2,508 |
| Memoranda: | ||
| Average total assets | $358,882,200 | 1,859 |
| Average earning assets | $328,273,400 | 1,880 |
| Average equity | $36,144,200 | 2,020 |
| Average total loans | $186,777,400 | 2,241 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5337% | 4,721 |
| Cost of funding earning assets | 0.5670% | 1,569 |
| Net interest margin | 2.9667% | 5,069 |
| Noninterest income to average assets | 0.2816% | 4,752 |
| Noninterest expense to average assets | 1.6608% | 5,634 |
| Loan and lease loss provision to assets | 0.1113% | 2,069 |
| Net operating income to assets | 1.2305% | 1,516 |
| Return on assets (ROA) | 1.2587% | 1,526 |
| Pretax return on assets | 1.2587% | 2,580 |
| Return on Equity (ROE) | 12.4693% | 1,183 |
| Retained earnings to average equity (ytd only) | 5.2258% | 2,679 |
| Net charge-offs to loans | 0.0058% | 3,707 |
| Credit loss provision to net charge-offs | 3,750.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 451.9728% | 196 |
| Efficiency ratio | 55.3126% | 5,124 |
| Assets per employee ($millions) | 5.8835% | 1,524 |
| Cash dividends to net income (ytd only)* | 58.0901% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8850% | 4,916 |
| Loan loss allowance to noncurrent loans | 7,562.5000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 5,509 |
| Noncurrent loans to loans | 0.0117% | 5,355 |
| Net loans and leases to total assets | 55.7259% | 4,335 |
| Net loans and leases to deposits | 67.1159% | 4,232 |
| Net loans and leases to core deposits | 77.7630% | 3,686 |
| Total domestic deposits to total assets | 83.0293% | 3,586 |
| Equity capital to assets | 10.2729% | 3,833 |
| Core capital (leverage) ratio | 10.1032% | 3,440 |
| Tier 1 risk-based capital ratio | 15.7387% | 2,730 |
| Total risk-based capital ratio | 16.5018% | 2,867 |
| Memoranda: | ||
| Average total assets | $359,410,500 | 1,861 |
| Average earning assets | $329,651,750 | 1,875 |
| Average equity | $36,280,250 | 2,021 |
| Average total loans | $184,427,250 | 2,270 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 4,983 |
| Cost of funding earning assets | 0.5545% | 1,662 |
| Net interest margin | 2.8971% | 5,272 |
| Noninterest income to average assets | 0.2869% | 4,733 |
| Noninterest expense to average assets | 1.6940% | 5,692 |
| Loan and lease loss provision to assets | 0.1118% | 2,006 |
| Net operating income to assets | 1.1342% | 1,831 |
| Return on assets (ROA) | 1.1767% | 1,775 |
| Pretax return on assets | 1.1767% | 2,873 |
| Return on Equity (ROE) | 11.7271% | 1,409 |
| Retained earnings to average equity (ytd only) | 3.9741% | 3,371 |
| Net charge-offs to loans | 0.0113% | 3,324 |
| Credit loss provision to net charge-offs | 2,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 222.8000% | 294 |
| Efficiency ratio | 57.6184% | 4,956 |
| Assets per employee ($millions) | 5.9335% | 1,448 |
| Cash dividends to net income (ytd only)* | 66.1122% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 5,076 |
| Loan loss allowance to noncurrent loans | 6,592.3077% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 5,605 |
| Noncurrent loans to loans | 0.0131% | 5,437 |
| Net loans and leases to total assets | 53.3366% | 4,566 |
| Net loans and leases to deposits | 64.4214% | 4,463 |
| Net loans and leases to core deposits | 74.0025% | 3,980 |
| Total domestic deposits to total assets | 82.7933% | 3,725 |
| Equity capital to assets | 10.0778% | 4,128 |
| Core capital (leverage) ratio | 10.3376% | 3,150 |
| Tier 1 risk-based capital ratio | 15.6381% | 2,807 |
| Total risk-based capital ratio | 16.3682% | 2,954 |
| Memoranda: | ||
| Average total assets | $357,622,330 | 1,877 |
| Average earning assets | $327,498,670 | 1,893 |
| Average equity | $35,882,670 | 2,041 |
| Average total loans | $177,540,000 | 2,339 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3826% | 5,164 |
| Cost of funding earning assets | 0.5440% | 1,760 |
| Net interest margin | 2.8386% | 5,414 |
| Noninterest income to average assets | 0.3001% | 4,581 |
| Noninterest expense to average assets | 1.7118% | 5,739 |
| Loan and lease loss provision to assets | 0.1141% | 1,834 |
| Net operating income to assets | 1.0944% | 1,925 |
| Return on assets (ROA) | 1.1218% | 1,925 |
| Pretax return on assets | 1.1218% | 3,006 |
| Return on Equity (ROE) | 11.1429% | 1,551 |
| Retained earnings to average equity (ytd only) | 5.0784% | 2,890 |
| Net charge-offs to loans | 0.0359% | 2,260 |
| Credit loss provision to net charge-offs | 666.6667% | 493 |
| Earnings coverage of net charge-offs (x) | 70.6000% | 689 |
| Efficiency ratio | 58.6166% | 4,925 |
| Assets per employee ($millions) | 5.9857% | 1,408 |
| Cash dividends to net income (ytd only)* | 54.4252% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 5,002 |
| Loan loss allowance to noncurrent loans | 5,959.2593% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 5,645 |
| Noncurrent loans to loans | 0.0154% | 5,457 |
| Net loans and leases to total assets | 49.2864% | 4,863 |
| Net loans and leases to deposits | 57.6994% | 4,870 |
| Net loans and leases to core deposits | 65.7327% | 4,551 |
| Total domestic deposits to total assets | 85.4193% | 2,946 |
| Equity capital to assets | 10.2031% | 3,838 |
| Core capital (leverage) ratio | 10.3777% | 3,099 |
| Tier 1 risk-based capital ratio | 19.9899% | 1,500 |
| Total risk-based capital ratio | 20.8717% | 1,551 |
| Memoranda: | ||
| Average total assets | $350,506,000 | 1,911 |
| Average earning assets | $323,535,500 | 1,917 |
| Average equity | $35,287,000 | 2,068 |
| Average total loans | $167,346,000 | 2,435 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0876% | 5,651 |
| Cost of funding earning assets | 0.5896% | 1,438 |
| Net interest margin | 2.4980% | 5,828 |
| Noninterest income to average assets | 0.3064% | 4,693 |
| Noninterest expense to average assets | 1.6877% | 5,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9216% | 2,750 |
| Return on assets (ROA) | 0.9304% | 2,791 |
| Pretax return on assets | 0.9304% | 3,725 |
| Return on Equity (ROE) | 9.6407% | 2,160 |
| Retained earnings to average equity (ytd only) | 6.3443% | 1,633 |
| Net charge-offs to loans | -0.0165% | 5,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6795% | 4,139 |
| Assets per employee ($millions) | 5.8958% | 1,465 |
| Cash dividends to net income (ytd only)* | 34.1923% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 4,825 |
| Loan loss allowance to noncurrent loans | 5,640.7407% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 5,679 |
| Noncurrent loans to loans | 0.0170% | 5,456 |
| Net loans and leases to total assets | 45.2779% | 5,213 |
| Net loans and leases to deposits | 53.1780% | 5,206 |
| Net loans and leases to core deposits | 60.4583% | 4,951 |
| Total domestic deposits to total assets | 85.1441% | 3,020 |
| Equity capital to assets | 9.9297% | 4,043 |
| Core capital (leverage) ratio | 10.4536% | 2,982 |
| Tier 1 risk-based capital ratio | 21.8490% | 1,170 |
| Total risk-based capital ratio | 22.7730% | 1,193 |
| Memoranda: | ||
| Average total assets | $342,007,400 | 1,905 |
| Average earning assets | $315,290,200 | 1,919 |
| Average equity | $33,006,000 | 2,147 |
| Average total loans | $145,500,600 | 2,658 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0139% | 5,799 |
| Cost of funding earning assets | 0.5971% | 1,426 |
| Net interest margin | 2.4168% | 5,969 |
| Noninterest income to average assets | 0.3050% | 4,758 |
| Noninterest expense to average assets | 1.6784% | 5,922 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8531% | 3,158 |
| Return on assets (ROA) | 0.8617% | 3,210 |
| Pretax return on assets | 0.8617% | 4,132 |
| Return on Equity (ROE) | 8.9957% | 2,584 |
| Retained earnings to average equity (ytd only) | 4.5653% | 3,225 |
| Net charge-offs to loans | 0.0009% | 4,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2,184.4060% | 26 |
| Efficiency ratio | 66.3006% | 3,838 |
| Assets per employee ($millions) | 5.5309% | 1,761 |
| Cash dividends to net income (ytd only)* | 49.2505% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 4,802 |
| Loan loss allowance to noncurrent loans | 5,165.5172% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 5,770 |
| Noncurrent loans to loans | 0.0192% | 5,562 |
| Net loans and leases to total assets | 44.4129% | 5,331 |
| Net loans and leases to deposits | 51.5059% | 5,390 |
| Net loans and leases to core deposits | 58.5575% | 5,155 |
| Total domestic deposits to total assets | 86.2287% | 2,425 |
| Equity capital to assets | 9.8680% | 4,315 |
| Core capital (leverage) ratio | 10.0908% | 3,512 |
| Tier 1 risk-based capital ratio | 22.4542% | 1,134 |
| Total risk-based capital ratio | 23.4143% | 1,149 |
| Memoranda: | ||
| Average total assets | $340,545,750 | 1,934 |
| Average earning assets | $313,736,250 | 1,940 |
| Average equity | $32,622,250 | 2,180 |
| Average total loans | $142,119,750 | 2,719 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9380% | 5,911 |
| Cost of funding earning assets | 0.6011% | 1,407 |
| Net interest margin | 2.3370% | 6,078 |
| Noninterest income to average assets | 0.3004% | 4,806 |
| Noninterest expense to average assets | 1.6985% | 5,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7576% | 3,608 |
| Return on assets (ROA) | 0.7676% | 3,649 |
| Pretax return on assets | 0.7676% | 4,428 |
| Return on Equity (ROE) | 8.0929% | 2,996 |
| Retained earnings to average equity (ytd only) | 3.7471% | 3,624 |
| Net charge-offs to loans | 0.0014% | 3,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1,294.0000% | 45 |
| Efficiency ratio | 69.1538% | 3,465 |
| Assets per employee ($millions) | 5.8090% | 1,488 |
| Cash dividends to net income (ytd only)* | 53.6995% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 4,675 |
| Loan loss allowance to noncurrent loans | 4,993.3333% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 5,864 |
| Noncurrent loans to loans | 0.0208% | 5,678 |
| Net loans and leases to total assets | 41.7196% | 5,520 |
| Net loans and leases to deposits | 49.5025% | 5,533 |
| Net loans and leases to core deposits | 55.1829% | 5,363 |
| Total domestic deposits to total assets | 84.2778% | 3,459 |
| Equity capital to assets | 9.3837% | 4,806 |
| Core capital (leverage) ratio | 10.1180% | 3,440 |
| Tier 1 risk-based capital ratio | 23.1102% | 1,065 |
| Total risk-based capital ratio | 24.1128% | 1,075 |
| Memoranda: | ||
| Average total assets | $341,600,330 | 1,937 |
| Average earning assets | $315,107,330 | 1,952 |
| Average equity | $32,398,670 | 2,205 |
| Average total loans | $139,046,670 | 2,760 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9257% | 5,972 |
| Cost of funding earning assets | 0.6143% | 1,335 |
| Net interest margin | 2.3114% | 6,156 |
| Noninterest income to average assets | 0.2921% | 4,836 |
| Noninterest expense to average assets | 1.6362% | 6,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7917% | 3,309 |
| Return on assets (ROA) | 0.8058% | 3,355 |
| Pretax return on assets | 0.8058% | 4,216 |
| Return on Equity (ROE) | 8.4508% | 2,726 |
| Retained earnings to average equity (ytd only) | 5.1787% | 2,959 |
| Net charge-offs to loans | 0.0029% | 3,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 675.0000% | 72 |
| Efficiency ratio | 67.3913% | 3,922 |
| Assets per employee ($millions) | 5.6639% | 1,656 |
| Cash dividends to net income (ytd only)* | 38.7191% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 4,724 |
| Loan loss allowance to noncurrent loans | 4,832.2581% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 5,918 |
| Noncurrent loans to loans | 0.0219% | 5,716 |
| Net loans and leases to total assets | 41.2874% | 5,529 |
| Net loans and leases to deposits | 48.2256% | 5,554 |
| Net loans and leases to core deposits | 53.5780% | 5,391 |
| Total domestic deposits to total assets | 85.6130% | 3,130 |
| Equity capital to assets | 9.6208% | 4,606 |
| Core capital (leverage) ratio | 10.0063% | 3,589 |
| Tier 1 risk-based capital ratio | 23.3812% | 1,066 |
| Total risk-based capital ratio | 24.4012% | 1,066 |
| Memoranda: | ||
| Average total assets | $341,035,000 | 1,951 |
| Average earning assets | $315,134,500 | 1,958 |
| Average equity | $32,517,500 | 2,207 |
| Average total loans | $136,328,000 | 2,802 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1580% | 5,889 |
| Cost of funding earning assets | 0.6737% | 1,252 |
| Net interest margin | 2.4843% | 6,172 |
| Noninterest income to average assets | 0.3319% | 4,735 |
| Noninterest expense to average assets | 1.7348% | 6,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8922% | 2,918 |
| Return on assets (ROA) | 0.9032% | 2,944 |
| Pretax return on assets | 0.9032% | 3,892 |
| Return on Equity (ROE) | 10.1269% | 2,056 |
| Retained earnings to average equity (ytd only) | 2.4822% | 4,465 |
| Net charge-offs to loans | -0.0023% | 5,384 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0369% | 4,241 |
| Assets per employee ($millions) | 6.0041% | 1,373 |
| Cash dividends to net income (ytd only)* | 75.4889% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 4,303 |
| Loan loss allowance to noncurrent loans | 3,331.1111% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 6,006 |
| Noncurrent loans to loans | 0.0344% | 5,752 |
| Net loans and leases to total assets | 37.7957% | 5,863 |
| Net loans and leases to deposits | 43.7725% | 5,884 |
| Net loans and leases to core deposits | 48.4958% | 5,789 |
| Total domestic deposits to total assets | 86.3456% | 2,646 |
| Equity capital to assets | 9.4496% | 4,778 |
| Core capital (leverage) ratio | 9.9028% | 3,707 |
| Tier 1 risk-based capital ratio | 24.4869% | 892 |
| Total risk-based capital ratio | 25.5691% | 894 |
| Memoranda: | ||
| Average total assets | $328,395,800 | 1,978 |
| Average earning assets | $303,388,600 | 1,977 |
| Average equity | $29,288,200 | 2,322 |
| Average total loans | $131,764,600 | 2,833 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1902% | 5,911 |
| Cost of funding earning assets | 0.6790% | 1,261 |
| Net interest margin | 2.5112% | 6,214 |
| Noninterest income to average assets | 0.3336% | 4,770 |
| Noninterest expense to average assets | 1.7197% | 6,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9327% | 2,767 |
| Return on assets (ROA) | 0.9413% | 2,814 |
| Pretax return on assets | 0.9413% | 3,822 |
| Return on Equity (ROE) | 10.7224% | 1,900 |
| Retained earnings to average equity (ytd only) | 0.2617% | 5,729 |
| Net charge-offs to loans | -0.0030% | 5,219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8360% | 4,402 |
| Assets per employee ($millions) | 5.7984% | 1,490 |
| Cash dividends to net income (ytd only)* | 97.5590% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 4,782 |
| Loan loss allowance to noncurrent loans | 4,542.4242% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 6,144 |
| Noncurrent loans to loans | 0.0241% | 5,928 |
| Net loans and leases to total assets | 41.0581% | 5,747 |
| Net loans and leases to deposits | 48.6472% | 5,727 |
| Net loans and leases to core deposits | 54.0170% | 5,563 |
| Total domestic deposits to total assets | 84.3997% | 3,589 |
| Equity capital to assets | 8.9741% | 5,382 |
| Core capital (leverage) ratio | 10.1381% | 3,488 |
| Tier 1 risk-based capital ratio | 23.4693% | 1,052 |
| Total risk-based capital ratio | 24.5274% | 1,064 |
| Memoranda: | ||
| Average total assets | $324,936,000 | 2,012 |
| Average earning assets | $300,040,000 | 2,011 |
| Average equity | $28,525,250 | 2,386 |
| Average total loans | $131,993,500 | 2,832 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2095% | 5,932 |
| Cost of funding earning assets | 0.6828% | 1,293 |
| Net interest margin | 2.5268% | 6,241 |
| Noninterest income to average assets | 0.3399% | 4,709 |
| Noninterest expense to average assets | 1.7531% | 6,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9211% | 2,698 |
| Return on assets (ROA) | 0.9267% | 2,778 |
| Pretax return on assets | 0.9267% | 3,776 |
| Return on Equity (ROE) | 10.6370% | 1,877 |
| Retained earnings to average equity (ytd only) | -3.4462% | 6,135 |
| Net charge-offs to loans | -0.0046% | 5,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5556% | 4,432 |
| Assets per employee ($millions) | 5.8159% | 1,408 |
| Cash dividends to net income (ytd only)* | 132.3981% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 4,746 |
| Loan loss allowance to noncurrent loans | 132.7724% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 5,017 |
| Noncurrent loans to loans | 0.8534% | 3,571 |
| Net loans and leases to total assets | 39.4538% | 5,864 |
| Net loans and leases to deposits | 45.0515% | 5,935 |
| Net loans and leases to core deposits | 49.7168% | 5,809 |
| Total domestic deposits to total assets | 87.5750% | 2,155 |
| Equity capital to assets | 8.8607% | 5,456 |
| Core capital (leverage) ratio | 10.0021% | 3,608 |
| Tier 1 risk-based capital ratio | 23.5062% | 1,045 |
| Total risk-based capital ratio | 24.5835% | 1,052 |
| Memoranda: | ||
| Average total assets | $323,079,000 | 2,018 |
| Average earning assets | $298,486,000 | 2,016 |
| Average equity | $28,147,000 | 2,400 |
| Average total loans | $130,258,330 | 2,866 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3900% | 5,668 |
| Cost of funding earning assets | 0.6843% | 1,339 |
| Net interest margin | 2.7058% | 6,104 |
| Noninterest income to average assets | 0.3412% | 4,651 |
| Noninterest expense to average assets | 1.8503% | 6,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9910% | 2,241 |
| Return on assets (ROA) | 1.0675% | 2,009 |
| Pretax return on assets | 1.0675% | 3,045 |
| Return on Equity (ROE) | 12.3631% | 1,322 |
| Retained earnings to average equity (ytd only) | -11.0992% | 6,394 |
| Net charge-offs to loans | -0.0093% | 5,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1214% | 4,668 |
| Assets per employee ($millions) | 5.6163% | 1,599 |
| Cash dividends to net income (ytd only)* | 189.7767% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 4,819 |
| Loan loss allowance to noncurrent loans | 224.0658% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 5,593 |
| Noncurrent loans to loans | 0.5178% | 4,618 |
| Net loans and leases to total assets | 39.8895% | 5,817 |
| Net loans and leases to deposits | 45.6667% | 5,872 |
| Net loans and leases to core deposits | 50.4626% | 5,728 |
| Total domestic deposits to total assets | 87.3491% | 2,598 |
| Equity capital to assets | 8.6188% | 5,529 |
| Core capital (leverage) ratio | 10.1389% | 3,371 |
| Tier 1 risk-based capital ratio | 23.8707% | 1,020 |
| Total risk-based capital ratio | 24.9741% | 1,025 |
| Memoranda: | ||
| Average total assets | $318,864,000 | 2,049 |
| Average earning assets | $294,628,500 | 2,047 |
| Average equity | $27,533,500 | 2,433 |
| Average total loans | $129,241,500 | 2,890 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6106% | 5,375 |
| Cost of funding earning assets | 0.6627% | 2,097 |
| Net interest margin | 2.9479% | 5,685 |
| Noninterest income to average assets | 0.3281% | 4,989 |
| Noninterest expense to average assets | 1.7456% | 6,395 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3187% | 1,206 |
| Return on assets (ROA) | 1.2936% | 1,320 |
| Pretax return on assets | 1.2936% | 2,181 |
| Return on Equity (ROE) | 13.3856% | 1,094 |
| Retained earnings to average equity (ytd only) | 1.2785% | 5,256 |
| Net charge-offs to loans | -0.0113% | 6,038 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9654% | 5,857 |
| Assets per employee ($millions) | 5.5719% | 1,590 |
| Cash dividends to net income (ytd only)* | 90.4484% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 4,877 |
| Loan loss allowance to noncurrent loans | 4,155.5556% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 6,385 |
| Noncurrent loans to loans | 0.0278% | 6,171 |
| Net loans and leases to total assets | 40.2363% | 5,942 |
| Net loans and leases to deposits | 45.8967% | 6,020 |
| Net loans and leases to core deposits | 51.1101% | 5,867 |
| Total domestic deposits to total assets | 87.6672% | 2,385 |
| Equity capital to assets | 8.6511% | 5,420 |
| Core capital (leverage) ratio | 9.7870% | 3,859 |
| Tier 1 risk-based capital ratio | 25.2797% | 831 |
| Total risk-based capital ratio | 26.4191% | 822 |
| Memoranda: | ||
| Average total assets | $331,004,400 | 1,948 |
| Average earning assets | $307,236,400 | 1,925 |
| Average equity | $31,989,600 | 2,133 |
| Average total loans | $123,630,000 | 2,966 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5427% | 5,592 |
| Cost of funding earning assets | 0.6528% | 2,339 |
| Net interest margin | 2.8899% | 5,840 |
| Noninterest income to average assets | 0.3258% | 5,079 |
| Noninterest expense to average assets | 1.6944% | 6,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3127% | 1,316 |
| Return on assets (ROA) | 1.6912% | 661 |
| Pretax return on assets | 1.6912% | 1,113 |
| Return on Equity (ROE) | 17.0739% | 533 |
| Retained earnings to average equity (ytd only) | 1.4775% | 5,391 |
| Net charge-offs to loans | -0.0175% | 6,017 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3453% | 5,861 |
| Assets per employee ($millions) | 5.8332% | 1,356 |
| Cash dividends to net income (ytd only)* | 91.3462% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 4,982 |
| Loan loss allowance to noncurrent loans | 3,942.1053% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 6,464 |
| Noncurrent loans to loans | 0.0298% | 6,259 |
| Net loans and leases to total assets | 37.1998% | 6,209 |
| Net loans and leases to deposits | 46.1623% | 6,084 |
| Net loans and leases to core deposits | 51.4468% | 5,923 |
| Total domestic deposits to total assets | 80.5848% | 5,339 |
| Equity capital to assets | 7.8247% | 6,247 |
| Core capital (leverage) ratio | 9.7943% | 3,963 |
| Tier 1 risk-based capital ratio | 25.4892% | 834 |
| Total risk-based capital ratio | 26.6410% | 829 |
| Memoranda: | ||
| Average total assets | $334,355,250 | 1,931 |
| Average earning assets | $310,223,000 | 1,923 |
| Average equity | $33,118,000 | 2,102 |
| Average total loans | $122,215,750 | 3,017 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4972% | 5,700 |
| Cost of funding earning assets | 0.6532% | 2,463 |
| Net interest margin | 2.8440% | 5,915 |
| Noninterest income to average assets | 0.3279% | 5,071 |
| Noninterest expense to average assets | 1.6857% | 6,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2804% | 1,373 |
| Return on assets (ROA) | 1.8497% | 500 |
| Pretax return on assets | 1.8497% | 823 |
| Return on Equity (ROE) | 17.4341% | 514 |
| Retained earnings to average equity (ytd only) | -1.5962% | 6,138 |
| Net charge-offs to loans | -0.0017% | 5,520 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8334% | 5,869 |
| Assets per employee ($millions) | 5.9824% | 1,209 |
| Cash dividends to net income (ytd only)* | 109.1558% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 4,978 |
| Loan loss allowance to noncurrent loans | 3,707.5000% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 6,517 |
| Noncurrent loans to loans | 0.0324% | 6,309 |
| Net loans and leases to total assets | 35.7393% | 6,318 |
| Net loans and leases to deposits | 45.1168% | 6,161 |
| Net loans and leases to core deposits | 50.3454% | 6,008 |
| Total domestic deposits to total assets | 79.2151% | 5,771 |
| Equity capital to assets | 9.2335% | 4,944 |
| Core capital (leverage) ratio | 9.5542% | 4,155 |
| Tier 1 risk-based capital ratio | 27.1601% | 679 |
| Total risk-based capital ratio | 28.3936% | 671 |
| Memoranda: | ||
| Average total assets | $333,031,330 | 1,951 |
| Average earning assets | $308,936,330 | 1,937 |
| Average equity | $35,333,000 | 1,970 |
| Average total loans | $120,502,670 | 3,063 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4654% | 5,796 |
| Cost of funding earning assets | 0.6514% | 2,644 |
| Net interest margin | 2.8140% | 6,000 |
| Noninterest income to average assets | 0.2905% | 5,380 |
| Noninterest expense to average assets | 1.7554% | 6,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1609% | 1,637 |
| Return on assets (ROA) | 1.7906% | 537 |
| Pretax return on assets | 1.7906% | 898 |
| Return on Equity (ROE) | 15.8147% | 636 |
| Retained earnings to average equity (ytd only) | -8.3100% | 6,540 |
| Net charge-offs to loans | -0.0034% | 5,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1917% | 5,560 |
| Assets per employee ($millions) | 5.6442% | 1,549 |
| Cash dividends to net income (ytd only)* | 152.5458% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 5,026 |
| Loan loss allowance to noncurrent loans | 3,707.5000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 6,586 |
| Noncurrent loans to loans | 0.0333% | 6,396 |
| Net loans and leases to total assets | 35.6291% | 6,323 |
| Net loans and leases to deposits | 44.1898% | 6,192 |
| Net loans and leases to core deposits | 50.1904% | 5,963 |
| Total domestic deposits to total assets | 80.6274% | 5,590 |
| Equity capital to assets | 10.7701% | 3,233 |
| Core capital (leverage) ratio | 9.7555% | 3,725 |
| Tier 1 risk-based capital ratio | 25.7317% | 818 |
| Total risk-based capital ratio | 26.9238% | 810 |
| Memoranda: | ||
| Average total assets | $329,048,500 | 2,000 |
| Average earning assets | $307,034,500 | 1,970 |
| Average equity | $37,256,500 | 1,903 |
| Average total loans | $119,077,500 | 3,103 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 5,798 |
| Cost of funding earning assets | 0.7154% | 3,364 |
| Net interest margin | 3.0954% | 5,826 |
| Noninterest income to average assets | 0.3505% | 4,963 |
| Noninterest expense to average assets | 2.5686% | 4,867 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6659% | 3,908 |
| Return on assets (ROA) | 0.9041% | 3,034 |
| Pretax return on assets | 0.9041% | 3,902 |
| Return on Equity (ROE) | 7.3595% | 3,434 |
| Retained earnings to average equity (ytd only) | -5.7640% | 6,468 |
| Net charge-offs to loans | -0.0017% | 6,323 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4129% | 2,223 |
| Assets per employee ($millions) | 5.7034% | 1,515 |
| Cash dividends to net income (ytd only)* | 178.3197% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 4,845 |
| Loan loss allowance to noncurrent loans | 3,614.6341% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 6,651 |
| Noncurrent loans to loans | 0.0347% | 6,420 |
| Net loans and leases to total assets | 35.8493% | 6,444 |
| Net loans and leases to deposits | 44.1531% | 6,359 |
| Net loans and leases to core deposits | 49.7943% | 6,161 |
| Total domestic deposits to total assets | 81.1933% | 5,342 |
| Equity capital to assets | 11.8884% | 2,120 |
| Core capital (leverage) ratio | 9.9411% | 3,480 |
| Tier 1 risk-based capital ratio | 26.8052% | 706 |
| Total risk-based capital ratio | 28.0169% | 700 |
| Memoranda: | ||
| Average total assets | $310,708,400 | 2,071 |
| Average earning assets | $289,495,600 | 2,044 |
| Average equity | $38,168,200 | 1,821 |
| Average total loans | $118,922,200 | 3,104 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 5,827 |
| Cost of funding earning assets | 0.7263% | 3,549 |
| Net interest margin | 3.1562% | 5,810 |
| Noninterest income to average assets | 0.2809% | 5,529 |
| Noninterest expense to average assets | 1.7509% | 6,735 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4657% | 1,083 |
| Return on assets (ROA) | 1.5781% | 996 |
| Pretax return on assets | 1.5781% | 1,646 |
| Return on Equity (ROE) | 12.7379% | 1,401 |
| Retained earnings to average equity (ytd only) | -4.8183% | 6,601 |
| Net charge-offs to loans | 0.0011% | 5,765 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3,384.3759% | 5 |
| Efficiency ratio | 54.4338% | 6,207 |
| Assets per employee ($millions) | 5.5171% | 1,621 |
| Cash dividends to net income (ytd only)* | 137.8265% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 5,188 |
| Loan loss allowance to noncurrent loans | 3,146.8085% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 6,741 |
| Noncurrent loans to loans | 0.0388% | 6,523 |
| Net loans and leases to total assets | 36.7487% | 6,501 |
| Net loans and leases to deposits | 46.0231% | 6,382 |
| Net loans and leases to core deposits | 51.9525% | 6,183 |
| Total domestic deposits to total assets | 79.8484% | 5,701 |
| Equity capital to assets | 11.8277% | 2,411 |
| Core capital (leverage) ratio | 10.4146% | 3,021 |
| Tier 1 risk-based capital ratio | 26.2316% | 806 |
| Total risk-based capital ratio | 27.3941% | 795 |
| Memoranda: | ||
| Average total assets | $307,112,750 | 2,118 |
| Average earning assets | $285,651,250 | 2,097 |
| Average equity | $38,048,250 | 1,844 |
| Average total loans | $119,146,500 | 3,133 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 5,848 |
| Cost of funding earning assets | 0.7417% | 3,671 |
| Net interest margin | 3.1842% | 5,786 |
| Noninterest income to average assets | 0.2857% | 5,527 |
| Noninterest expense to average assets | 1.8141% | 6,736 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4386% | 1,111 |
| Return on assets (ROA) | 1.6107% | 913 |
| Pretax return on assets | 1.6107% | 1,515 |
| Return on Equity (ROE) | 12.7923% | 1,417 |
| Retained earnings to average equity (ytd only) | -11.3094% | 6,866 |
| Net charge-offs to loans | 0.0034% | 5,470 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1,082.5000% | 28 |
| Efficiency ratio | 55.7712% | 6,141 |
| Assets per employee ($millions) | 5.2598% | 1,855 |
| Cash dividends to net income (ytd only)* | 188.4076% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 5,237 |
| Loan loss allowance to noncurrent loans | 2,956.0000% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 6,793 |
| Noncurrent loans to loans | 0.0415% | 6,573 |
| Net loans and leases to total assets | 38.3840% | 6,449 |
| Net loans and leases to deposits | 46.0044% | 6,437 |
| Net loans and leases to core deposits | 52.2858% | 6,213 |
| Total domestic deposits to total assets | 83.4355% | 4,559 |
| Equity capital to assets | 12.1308% | 2,045 |
| Core capital (leverage) ratio | 10.6785% | 2,629 |
| Tier 1 risk-based capital ratio | 25.1652% | 887 |
| Total risk-based capital ratio | 26.3060% | 881 |
| Memoranda: | ||
| Average total assets | $300,981,000 | 2,149 |
| Average earning assets | $280,443,000 | 2,123 |
| Average equity | $37,897,670 | 1,843 |
| Average total loans | $118,495,670 | 3,173 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 5,813 |
| Cost of funding earning assets | 0.7547% | 3,828 |
| Net interest margin | 3.2297% | 5,700 |
| Noninterest income to average assets | 0.2781% | 5,642 |
| Noninterest expense to average assets | 1.8035% | 6,788 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4728% | 1,075 |
| Return on assets (ROA) | 1.8224% | 648 |
| Pretax return on assets | 1.8224% | 1,027 |
| Return on Equity (ROE) | 14.2016% | 1,146 |
| Retained earnings to average equity (ytd only) | -20.4608% | 7,051 |
| Net charge-offs to loans | -0.0068% | 5,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0474% | 6,222 |
| Assets per employee ($millions) | 4.9801% | 2,277 |
| Cash dividends to net income (ytd only)* | 244.0741% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 5,100 |
| Loan loss allowance to noncurrent loans | 2,646.4286% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 6,864 |
| Noncurrent loans to loans | 0.0485% | 6,630 |
| Net loans and leases to total assets | 38.1853% | 6,481 |
| Net loans and leases to deposits | 45.6892% | 6,453 |
| Net loans and leases to core deposits | 51.8705% | 6,218 |
| Total domestic deposits to total assets | 83.5763% | 4,686 |
| Equity capital to assets | 12.2330% | 1,890 |
| Core capital (leverage) ratio | 11.0989% | 2,187 |
| Tier 1 risk-based capital ratio | 27.6240% | 675 |
| Total risk-based capital ratio | 28.8721% | 655 |
| Memoranda: | ||
| Average total assets | $296,308,000 | 2,189 |
| Average earning assets | $275,070,000 | 2,163 |
| Average equity | $38,024,000 | 1,831 |
| Average total loans | $117,446,500 | 3,203 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2436% | 5,935 |
| Cost of funding earning assets | 0.7647% | 5,099 |
| Net interest margin | 3.4789% | 5,225 |
| Noninterest income to average assets | 0.2947% | 5,422 |
| Noninterest expense to average assets | 1.9242% | 6,796 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6316% | 629 |
| Return on assets (ROA) | 1.7075% | 579 |
| Pretax return on assets | 1.7075% | 974 |
| Return on Equity (ROE) | 13.7266% | 1,008 |
| Retained earnings to average equity (ytd only) | 1.4884% | 5,148 |
| Net charge-offs to loans | -0.0286% | 6,998 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1151% | 6,501 |
| Assets per employee ($millions) | 5.0657% | 2,110 |
| Cash dividends to net income (ytd only)* | 89.1571% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 5,227 |
| Loan loss allowance to noncurrent loans | 2,642.8571% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 6,927 |
| Noncurrent loans to loans | 0.0469% | 6,709 |
| Net loans and leases to total assets | 40.1045% | 6,540 |
| Net loans and leases to deposits | 48.2627% | 6,482 |
| Net loans and leases to core deposits | 53.5583% | 6,332 |
| Total domestic deposits to total assets | 83.0962% | 4,707 |
| Equity capital to assets | 13.4424% | 1,301 |
| Core capital (leverage) ratio | 11.5510% | 1,845 |
| Tier 1 risk-based capital ratio | 28.5813% | 581 |
| Total risk-based capital ratio | 29.7987% | 572 |
| Memoranda: | ||
| Average total assets | $291,126,600 | 2,189 |
| Average earning assets | $272,902,200 | 2,146 |
| Average equity | $36,214,400 | 1,875 |
| Average total loans | $125,806,000 | 3,065 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 6,001 |
| Cost of funding earning assets | 0.7754% | 5,309 |
| Net interest margin | 3.5070% | 5,161 |
| Noninterest income to average assets | 0.2965% | 5,488 |
| Noninterest expense to average assets | 1.8522% | 6,915 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7393% | 579 |
| Return on assets (ROA) | 1.8407% | 517 |
| Pretax return on assets | 1.8407% | 880 |
| Return on Equity (ROE) | 15.1056% | 827 |
| Retained earnings to average equity (ytd only) | -1.5935% | 6,242 |
| Net charge-offs to loans | -0.0115% | 6,800 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5721% | 6,720 |
| Assets per employee ($millions) | 5.2268% | 1,892 |
| Cash dividends to net income (ytd only)* | 110.5487% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 5,688 |
| Loan loss allowance to noncurrent loans | 2,425.0000% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 7,014 |
| Noncurrent loans to loans | 0.0474% | 6,819 |
| Net loans and leases to total assets | 41.3073% | 6,534 |
| Net loans and leases to deposits | 52.3072% | 6,339 |
| Net loans and leases to core deposits | 57.7379% | 6,150 |
| Total domestic deposits to total assets | 78.9706% | 5,990 |
| Equity capital to assets | 12.7841% | 1,730 |
| Core capital (leverage) ratio | 11.3565% | 2,128 |
| Tier 1 risk-based capital ratio | 26.5976% | 776 |
| Total risk-based capital ratio | 27.7431% | 763 |
| Memoranda: | ||
| Average total assets | $290,455,750 | 2,207 |
| Average earning assets | $272,893,000 | 2,151 |
| Average equity | $35,394,250 | 1,907 |
| Average total loans | $127,429,750 | 3,056 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2958% | 6,036 |
| Cost of funding earning assets | 0.7908% | 5,443 |
| Net interest margin | 3.5050% | 5,142 |
| Noninterest income to average assets | 0.2921% | 5,541 |
| Noninterest expense to average assets | 1.9391% | 6,893 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6421% | 677 |
| Return on assets (ROA) | 1.6651% | 687 |
| Pretax return on assets | 1.6651% | 1,123 |
| Return on Equity (ROE) | 13.9057% | 1,000 |
| Retained earnings to average equity (ytd only) | -8.7589% | 6,813 |
| Net charge-offs to loans | -0.0157% | 6,776 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1463% | 6,609 |
| Assets per employee ($millions) | 5.1072% | 1,983 |
| Cash dividends to net income (ytd only)* | 162.9878% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,559 |
| Loan loss allowance to noncurrent loans | 3,160.8696% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 7,079 |
| Noncurrent loans to loans | 0.0379% | 6,888 |
| Net loans and leases to total assets | 41.2481% | 6,649 |
| Net loans and leases to deposits | 50.7133% | 6,551 |
| Net loans and leases to core deposits | 57.3327% | 6,321 |
| Total domestic deposits to total assets | 81.3359% | 5,411 |
| Equity capital to assets | 12.2020% | 1,965 |
| Core capital (leverage) ratio | 11.3998% | 1,978 |
| Tier 1 risk-based capital ratio | 27.2934% | 709 |
| Total risk-based capital ratio | 28.5068% | 701 |
| Memoranda: | ||
| Average total assets | $286,222,000 | 2,239 |
| Average earning assets | $268,588,000 | 2,193 |
| Average equity | $34,273,670 | 1,946 |
| Average total loans | $127,679,330 | 3,078 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 5,907 |
| Cost of funding earning assets | 0.8120% | 5,516 |
| Net interest margin | 3.5214% | 4,909 |
| Noninterest income to average assets | 0.3016% | 5,511 |
| Noninterest expense to average assets | 1.9875% | 6,843 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6027% | 689 |
| Return on assets (ROA) | 1.6027% | 734 |
| Pretax return on assets | 1.6027% | 1,186 |
| Return on Equity (ROE) | 13.5156% | 1,085 |
| Retained earnings to average equity (ytd only) | -23.7979% | 7,221 |
| Net charge-offs to loans | -0.0153% | 6,487 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3592% | 6,579 |
| Assets per employee ($millions) | 5.0303% | 2,121 |
| Cash dividends to net income (ytd only)* | 276.0774% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,940 |
| Loan loss allowance to noncurrent loans | 3,082.9787% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 7,148 |
| Noncurrent loans to loans | 0.0366% | 6,962 |
| Net loans and leases to total assets | 44.3075% | 6,447 |
| Net loans and leases to deposits | 53.6328% | 6,329 |
| Net loans and leases to core deposits | 60.2687% | 6,076 |
| Total domestic deposits to total assets | 82.6127% | 5,061 |
| Equity capital to assets | 11.4151% | 2,336 |
| Core capital (leverage) ratio | 11.2752% | 1,981 |
| Tier 1 risk-based capital ratio | 24.9093% | 885 |
| Total risk-based capital ratio | 26.0301% | 881 |
| Memoranda: | ||
| Average total assets | $283,778,500 | 2,277 |
| Average earning assets | $265,011,000 | 2,236 |
| Average equity | $33,650,000 | 1,959 |
| Average total loans | $130,753,500 | 3,053 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6841% | 5,852 |
| Cost of funding earning assets | 0.9329% | 6,020 |
| Net interest margin | 3.7511% | 4,147 |
| Noninterest income to average assets | 0.3720% | 5,119 |
| Noninterest expense to average assets | 2.0743% | 6,901 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.8147% | 401 |
| Return on assets (ROA) | 1.9779% | 309 |
| Pretax return on assets | 1.9779% | 507 |
| Return on Equity (ROE) | 15.5989% | 629 |
| Retained earnings to average equity (ytd only) | 9.7366% | 565 |
| Net charge-offs to loans | -0.0398% | 7,425 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3385% | 6,861 |
| Assets per employee ($millions) | 4.7598% | 2,467 |
| Cash dividends to net income (ytd only)* | 37.5816% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 6,002 |
| Loan loss allowance to noncurrent loans | 503.1359% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 6,977 |
| Noncurrent loans to loans | 0.2158% | 6,640 |
| Net loans and leases to total assets | 46.8513% | 6,491 |
| Net loans and leases to deposits | 57.0106% | 6,349 |
| Net loans and leases to core deposits | 63.2113% | 6,126 |
| Total domestic deposits to total assets | 82.1800% | 5,131 |
| Equity capital to assets | 12.3099% | 1,736 |
| Core capital (leverage) ratio | 12.1442% | 1,461 |
| Tier 1 risk-based capital ratio | 26.4130% | 721 |
| Total risk-based capital ratio | 27.5280% | 713 |
| Memoranda: | ||
| Average total assets | $263,408,000 | 2,421 |
| Average earning assets | $246,965,000 | 2,365 |
| Average equity | $33,399,800 | 1,980 |
| Average total loans | $133,124,000 | 3,067 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 5,585 |
| Cost of funding earning assets | 0.9657% | 6,101 |
| Net interest margin | 3.8528% | 3,739 |
| Noninterest income to average assets | 0.3948% | 5,005 |
| Noninterest expense to average assets | 2.0654% | 6,926 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.9229% | 389 |
| Return on assets (ROA) | 2.1395% | 285 |
| Pretax return on assets | 2.1395% | 464 |
| Return on Equity (ROE) | 16.7411% | 620 |
| Retained earnings to average equity (ytd only) | 8.8599% | 1,098 |
| Net charge-offs to loans | -0.0561% | 7,483 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7873% | 7,001 |
| Assets per employee ($millions) | 4.6057% | 2,738 |
| Cash dividends to net income (ytd only)* | 47.0772% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 6,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 49.9008% | 6,333 |
| Net loans and leases to deposits | 60.8566% | 6,235 |
| Net loans and leases to core deposits | 66.7569% | 6,062 |
| Total domestic deposits to total assets | 81.9974% | 4,990 |
| Equity capital to assets | 12.9554% | 1,600 |
| Core capital (leverage) ratio | 12.2431% | 1,538 |
| Tier 1 risk-based capital ratio | 24.3438% | 910 |
| Total risk-based capital ratio | 25.4062% | 904 |
| Memoranda: | ||
| Average total assets | $259,052,250 | 2,500 |
| Average earning assets | $241,616,000 | 2,449 |
| Average equity | $33,107,250 | 2,009 |
| Average total loans | $133,150,750 | 3,119 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8852% | 5,462 |
| Cost of funding earning assets | 0.9841% | 6,226 |
| Net interest margin | 3.9011% | 3,440 |
| Noninterest income to average assets | 0.4042% | 4,881 |
| Noninterest expense to average assets | 2.1058% | 6,888 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.9543% | 358 |
| Return on assets (ROA) | 2.2643% | 221 |
| Pretax return on assets | 2.2643% | 360 |
| Return on Equity (ROE) | 17.8042% | 480 |
| Retained earnings to average equity (ytd only) | 9.5902% | 945 |
| Net charge-offs to loans | -0.0940% | 7,545 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8655% | 7,084 |
| Assets per employee ($millions) | 4.4214% | 3,013 |
| Cash dividends to net income (ytd only)* | 46.1352% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 6,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 52.6198% | 6,147 |
| Net loans and leases to deposits | 63.2750% | 6,110 |
| Net loans and leases to core deposits | 67.1301% | 6,135 |
| Total domestic deposits to total assets | 83.1604% | 4,496 |
| Equity capital to assets | 13.0111% | 1,563 |
| Core capital (leverage) ratio | 12.3997% | 1,448 |
| Tier 1 risk-based capital ratio | 23.9591% | 950 |
| Total risk-based capital ratio | 25.0300% | 950 |
| Memoranda: | ||
| Average total assets | $254,823,330 | 2,554 |
| Average earning assets | $238,804,000 | 2,491 |
| Average equity | $32,408,000 | 2,039 |
| Average total loans | $131,852,000 | 3,167 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7947% | 5,908 |
| Cost of funding earning assets | 0.9966% | 6,395 |
| Net interest margin | 3.7982% | 3,801 |
| Noninterest income to average assets | 0.3797% | 5,099 |
| Noninterest expense to average assets | 2.1461% | 6,819 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7935% | 505 |
| Return on assets (ROA) | 1.8713% | 469 |
| Pretax return on assets | 1.8713% | 772 |
| Return on Equity (ROE) | 14.8918% | 899 |
| Retained earnings to average equity (ytd only) | 8.3940% | 1,562 |
| Net charge-offs to loans | -0.1900% | 7,664 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4758% | 6,930 |
| Assets per employee ($millions) | 4.3891% | 3,146 |
| Cash dividends to net income (ytd only)* | 43.6333% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 5,971 |
| Loan loss allowance to noncurrent loans | 1,936.0000% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 7,421 |
| Noncurrent loans to loans | 0.0572% | 7,261 |
| Net loans and leases to total assets | 50.9141% | 6,382 |
| Net loans and leases to deposits | 63.9645% | 6,053 |
| Net loans and leases to core deposits | 67.4164% | 6,163 |
| Total domestic deposits to total assets | 79.5974% | 5,914 |
| Equity capital to assets | 12.5573% | 1,725 |
| Core capital (leverage) ratio | 12.6258% | 1,357 |
| Tier 1 risk-based capital ratio | 24.5211% | 916 |
| Total risk-based capital ratio | 25.6472% | 903 |
| Memoranda: | ||
| Average total assets | $251,804,000 | 2,637 |
| Average earning assets | $236,008,500 | 2,577 |
| Average equity | $31,641,500 | 2,102 |
| Average total loans | $128,419,000 | 3,289 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0536% | 6,248 |
| Cost of funding earning assets | 1.1771% | 6,744 |
| Net interest margin | 3.8765% | 3,367 |
| Noninterest income to average assets | 0.3709% | 5,439 |
| Noninterest expense to average assets | 2.3508% | 6,601 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6102% | 538 |
| Return on assets (ROA) | 1.9824% | 249 |
| Pretax return on assets | 1.9824% | 420 |
| Return on Equity (ROE) | 14.9193% | 682 |
| Retained earnings to average equity (ytd only) | 1.8369% | 3,810 |
| Net charge-offs to loans | -0.0780% | 7,870 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3488% | 6,579 |
| Assets per employee ($millions) | 4.2210% | 3,397 |
| Cash dividends to net income (ytd only)* | 87.6881% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 5,867 |
| Loan loss allowance to noncurrent loans | 1,209.5652% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 7,390 |
| Noncurrent loans to loans | 0.0914% | 7,181 |
| Net loans and leases to total assets | 49.9454% | 6,651 |
| Net loans and leases to deposits | 61.1402% | 6,545 |
| Net loans and leases to core deposits | 76.3058% | 6,376 |
| Total domestic deposits to total assets | 81.6899% | 5,065 |
| Equity capital to assets | 12.5748% | 1,713 |
| Core capital (leverage) ratio | 12.4757% | 1,466 |
| Tier 1 risk-based capital ratio | 25.2087% | 824 |
| Total risk-based capital ratio | 26.3416% | 812 |
| Memoranda: | ||
| Average total assets | $238,046,600 | 2,732 |
| Average earning assets | $220,457,200 | 2,703 |
| Average equity | $31,630,200 | 2,117 |
| Average total loans | $115,383,200 | 3,571 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0720% | 6,371 |
| Cost of funding earning assets | 1.2137% | 6,851 |
| Net interest margin | 3.8583% | 3,395 |
| Noninterest income to average assets | 0.3785% | 5,484 |
| Noninterest expense to average assets | 2.2688% | 6,783 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6710% | 590 |
| Return on assets (ROA) | 2.0025% | 315 |
| Pretax return on assets | 2.0025% | 538 |
| Return on Equity (ROE) | 14.8599% | 788 |
| Retained earnings to average equity (ytd only) | 7.8378% | 1,185 |
| Net charge-offs to loans | -0.1040% | 7,924 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5867% | 6,776 |
| Assets per employee ($millions) | 4.1580% | 3,446 |
| Cash dividends to net income (ytd only)* | 47.2552% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 5,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 49.0168% | 6,866 |
| Net loans and leases to deposits | 61.7683% | 6,697 |
| Net loans and leases to core deposits | 77.4489% | 6,530 |
| Total domestic deposits to total assets | 79.3559% | 5,676 |
| Equity capital to assets | 13.4429% | 1,522 |
| Core capital (leverage) ratio | 13.4369% | 1,248 |
| Tier 1 risk-based capital ratio | 27.0255% | 747 |
| Total risk-based capital ratio | 28.1899% | 733 |
| Memoranda: | ||
| Average total assets | $235,298,750 | 2,779 |
| Average earning assets | $217,186,500 | 2,756 |
| Average equity | $31,708,750 | 2,134 |
| Average total loans | $112,785,500 | 3,660 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1883% | 6,123 |
| Cost of funding earning assets | 1.2654% | 6,910 |
| Net interest margin | 3.9229% | 3,007 |
| Noninterest income to average assets | 0.3768% | 5,492 |
| Noninterest expense to average assets | 2.2038% | 7,043 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7762% | 493 |
| Return on assets (ROA) | 2.2633% | 188 |
| Pretax return on assets | 2.2633% | 313 |
| Return on Equity (ROE) | 16.7808% | 600 |
| Retained earnings to average equity (ytd only) | 9.4932% | 817 |
| Net charge-offs to loans | -0.1202% | 7,972 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3726% | 7,183 |
| Assets per employee ($millions) | 4.0859% | 3,526 |
| Cash dividends to net income (ytd only)* | 43.4286% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 4,879 |
| Loan loss allowance to noncurrent loans | 15,188.8889% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 7,649 |
| Noncurrent loans to loans | 0.0080% | 7,546 |
| Net loans and leases to total assets | 47.1757% | 7,108 |
| Net loans and leases to deposits | 58.6432% | 6,982 |
| Net loans and leases to core deposits | 72.1343% | 6,889 |
| Total domestic deposits to total assets | 80.4454% | 5,302 |
| Equity capital to assets | 13.2162% | 1,598 |
| Core capital (leverage) ratio | 13.4069% | 1,299 |
| Tier 1 risk-based capital ratio | 27.9742% | 719 |
| Total risk-based capital ratio | 29.1746% | 705 |
| Memoranda: | ||
| Average total assets | $231,958,330 | 2,836 |
| Average earning assets | $213,056,000 | 2,830 |
| Average equity | $31,285,670 | 2,164 |
| Average total loans | $109,835,000 | 3,770 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1815% | 6,367 |
| Cost of funding earning assets | 1.2917% | 7,038 |
| Net interest margin | 3.8898% | 3,073 |
| Noninterest income to average assets | 0.3487% | 5,655 |
| Noninterest expense to average assets | 2.3169% | 6,478 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6858% | 662 |
| Return on assets (ROA) | 2.3099% | 221 |
| Pretax return on assets | 2.3099% | 357 |
| Return on Equity (ROE) | 16.9500% | 689 |
| Retained earnings to average equity (ytd only) | 10.7456% | 1,022 |
| Net charge-offs to loans | -0.1257% | 7,937 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8833% | 6,720 |
| Assets per employee ($millions) | 3.9721% | 3,720 |
| Cash dividends to net income (ytd only)* | 36.6038% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 4,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 47.6272% | 7,053 |
| Net loans and leases to deposits | 59.3974% | 6,940 |
| Net loans and leases to core deposits | 72.4900% | 6,888 |
| Total domestic deposits to total assets | 80.1840% | 5,293 |
| Equity capital to assets | 13.7925% | 1,423 |
| Core capital (leverage) ratio | 13.4741% | 1,330 |
| Tier 1 risk-based capital ratio | 28.4955% | 717 |
| Total risk-based capital ratio | 29.7143% | 702 |
| Memoranda: | ||
| Average total assets | $229,446,500 | 2,877 |
| Average earning assets | $215,538,000 | 2,815 |
| Average equity | $31,268,500 | 2,168 |
| Average total loans | $108,170,000 | 3,831 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8695% | 6,184 |
| Cost of funding earning assets | 1.7901% | 7,034 |
| Net interest margin | 4.0793% | 2,798 |
| Noninterest income to average assets | 0.4347% | 5,174 |
| Noninterest expense to average assets | 2.4180% | 6,335 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8233% | 530 |
| Return on assets (ROA) | 1.8233% | 508 |
| Pretax return on assets | 1.8233% | 898 |
| Return on Equity (ROE) | 13.5566% | 1,200 |
| Retained earnings to average equity (ytd only) | 1.8445% | 4,082 |
| Net charge-offs to loans | 0.0609% | 5,908 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 60.7500% | 659 |
| Efficiency ratio | 57.0102% | 6,872 |
| Assets per employee ($millions) | 3.9399% | 3,635 |
| Cash dividends to net income (ytd only)* | 86.3940% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 4,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 45.5031% | 7,370 |
| Net loans and leases to deposits | 56.1716% | 7,307 |
| Net loans and leases to core deposits | 67.1057% | 7,323 |
| Total domestic deposits to total assets | 81.0073% | 4,637 |
| Equity capital to assets | 13.4618% | 1,610 |
| Core capital (leverage) ratio | 13.2669% | 1,452 |
| Tier 1 risk-based capital ratio | 28.8275% | 707 |
| Total risk-based capital ratio | 30.0623% | 696 |
| Memoranda: | ||
| Average total assets | $213,234,600 | 2,964 |
| Average earning assets | $198,979,400 | 2,904 |
| Average equity | $28,679,800 | 2,359 |
| Average total loans | $105,106,400 | 3,823 |