Home > The Citizens Bank of Edmond > Performance and Condition Ratios
The Citizens Bank of Edmond, 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 | 5.2693% | 1,542 |
| Cost of funding earning assets | 1.2435% | 2,676 |
| Net interest margin | 4.0258% | 1,169 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 3.2267% | 805 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.8890% | 2,582 |
| Return on assets (ROA) | 0.8890% | 2,553 |
| Pretax return on assets | 0.8890% | 2,992 |
| Return on Equity (ROE) | 10.9900% | 2,229 |
| Retained earnings to average equity (ytd only) | 3.9248% | 2,986 |
| Net charge-offs to loans | 0.0414% | 1,490 |
| Credit loss provision to net charge-offs | 309.0909% | 936 |
| Earnings coverage of net charge-offs (x) | 29.0455% | 1,652 |
| Efficiency ratio | 75.9443% | 1,248 |
| Assets per employee ($millions) | 5.9035% | 2,897 |
| Cash dividends to net income (ytd only)* | 64.2879% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 3,530 |
| 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 | 82.0500% | 428 |
| Net loans and leases to deposits | 97.2112% | 701 |
| Net loans and leases to core deposits | 107.3910% | 1,053 |
| Total domestic deposits to total assets | 84.4100% | 2,499 |
| Equity capital to assets | 7.7615% | 3,567 |
| Core capital (leverage) ratio | 9.1334% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $375,121,600 | 2,097 |
| Average earning assets | $351,756,400 | 2,084 |
| Average equity | $30,345,600 | 2,251 |
| Average total loans | $318,776,400 | 1,726 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2150% | 1,430 |
| Cost of funding earning assets | 1.1527% | 2,582 |
| Net interest margin | 4.0623% | 1,130 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 3.3535% | 666 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.9112% | 2,640 |
| Return on assets (ROA) | 0.9112% | 2,627 |
| Pretax return on assets | 0.9112% | 3,077 |
| Return on Equity (ROE) | 11.1500% | 2,335 |
| Retained earnings to average equity (ytd only) | 1.5132% | 3,840 |
| Net charge-offs to loans | 0.0527% | 1,151 |
| Credit loss provision to net charge-offs | 88.8889% | 1,700 |
| Earnings coverage of net charge-offs (x) | 21.1190% | 1,787 |
| Efficiency ratio | 77.9023% | 1,021 |
| Assets per employee ($millions) | 5.7870% | 2,942 |
| Cash dividends to net income (ytd only)* | 86.4260% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 3,829 |
| Loan loss allowance to noncurrent loans | 202.9674% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 1,576 |
| Noncurrent loans to loans | 0.4275% | 1,761 |
| Net loans and leases to total assets | 84.4000% | 253 |
| Net loans and leases to deposits | 99.5627% | 535 |
| Net loans and leases to core deposits | 103.5826% | 1,141 |
| Total domestic deposits to total assets | 84.7700% | 2,573 |
| Equity capital to assets | 8.0398% | 3,030 |
| Core capital (leverage) ratio | 9.2387% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $372,970,500 | 2,114 |
| Average earning assets | $350,005,000 | 2,095 |
| Average equity | $30,486,250 | 2,232 |
| Average total loans | $318,997,750 | 1,720 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1418% | 1,301 |
| Cost of funding earning assets | 1.0458% | 2,463 |
| Net interest margin | 4.0960% | 1,091 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 3.3293% | 670 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9641% | 2,533 |
| Return on assets (ROA) | 0.9641% | 2,526 |
| Pretax return on assets | 0.9641% | 3,008 |
| Return on Equity (ROE) | 11.7300% | 2,240 |
| Retained earnings to average equity (ytd only) | 2.0571% | 3,712 |
| Net charge-offs to loans | 0.0650% | 907 |
| Credit loss provision to net charge-offs | 107.6923% | 1,388 |
| Earnings coverage of net charge-offs (x) | 18.4038% | 1,764 |
| Efficiency ratio | 76.4778% | 1,131 |
| Assets per employee ($millions) | 5.6766% | 3,001 |
| Cash dividends to net income (ytd only)* | 82.4639% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 3,895 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 85.6100% | 178 |
| Net loans and leases to deposits | 98.6319% | 578 |
| Net loans and leases to core deposits | 102.0464% | 1,129 |
| Total domestic deposits to total assets | 86.8000% | 1,988 |
| Equity capital to assets | 8.2489% | 3,058 |
| Core capital (leverage) ratio | 9.0511% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $373,837,000 | 2,110 |
| Average earning assets | $351,121,000 | 2,090 |
| Average equity | $30,722,667 | 2,235 |
| Average total loans | $320,216,000 | 1,703 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9791% | 1,270 |
| Cost of funding earning assets | 0.6944% | 3,071 |
| Net interest margin | 4.2847% | 827 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 3.4845% | 551 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.9790% | 2,598 |
| Return on assets (ROA) | 0.9790% | 2,568 |
| Pretax return on assets | 0.9790% | 3,056 |
| Return on Equity (ROE) | 11.9400% | 2,230 |
| Retained earnings to average equity (ytd only) | 2.8729% | 3,533 |
| Net charge-offs to loans | 0.1331% | 501 |
| Credit loss provision to net charge-offs | 105.6604% | 1,087 |
| Earnings coverage of net charge-offs (x) | 9.6792% | 1,681 |
| Efficiency ratio | 76.0224% | 1,163 |
| Assets per employee ($millions) | 6.4743% | 2,355 |
| Cash dividends to net income (ytd only)* | 75.9300% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8507% | 3,986 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 82.6900% | 312 |
| Net loans and leases to deposits | 97.3895% | 575 |
| Net loans and leases to core deposits | 101.1535% | 1,038 |
| Total domestic deposits to total assets | 84.9000% | 2,879 |
| Equity capital to assets | 7.9221% | 3,298 |
| Core capital (leverage) ratio | 9.2796% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $373,428,000 | 2,138 |
| Average earning assets | $350,828,000 | 2,119 |
| Average equity | $30,631,500 | 2,266 |
| Average total loans | $318,574,000 | 1,728 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5344% | 680 |
| Cost of funding earning assets | 0.2000% | 3,756 |
| Net interest margin | 4.3344% | 391 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 3.6452% | 436 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.0607% | 2,334 |
| Return on assets (ROA) | 1.0607% | 2,277 |
| Pretax return on assets | 1.0607% | 2,889 |
| Return on Equity (ROE) | 12.5200% | 1,968 |
| Retained earnings to average equity (ytd only) | 2.5805% | 3,826 |
| Net charge-offs to loans | 0.0914% | 773 |
| Credit loss provision to net charge-offs | 149.0566% | 1,305 |
| Earnings coverage of net charge-offs (x) | 15.6453% | 1,996 |
| Efficiency ratio | 75.6647% | 1,051 |
| Assets per employee ($millions) | 5.8753% | 2,879 |
| Cash dividends to net income (ytd only)* | 79.3922% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 3,845 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 2,429 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 86.6200% | 120 |
| Net loans and leases to deposits | 96.4896% | 610 |
| Net loans and leases to core deposits | 98.5014% | 1,082 |
| Total domestic deposits to total assets | 89.7700% | 1,460 |
| Equity capital to assets | 8.5071% | 2,699 |
| Core capital (leverage) ratio | 9.4233% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $353,645,600 | 2,211 |
| Average earning assets | $331,486,600 | 2,192 |
| Average equity | $29,955,200 | 2,339 |
| Average total loans | $290,023,800 | 1,771 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 612 |
| Cost of funding earning assets | 0.1562% | 3,772 |
| Net interest margin | 4.2183% | 402 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 3.6202% | 434 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0883% | 2,149 |
| Return on assets (ROA) | 1.0883% | 2,113 |
| Pretax return on assets | 1.0883% | 2,759 |
| Return on Equity (ROE) | 12.8600% | 1,749 |
| Retained earnings to average equity (ytd only) | 4.8867% | 3,143 |
| Net charge-offs to loans | 0.0652% | 837 |
| Credit loss provision to net charge-offs | 179.8561% | 1,035 |
| Earnings coverage of net charge-offs (x) | 22.4964% | 1,664 |
| Efficiency ratio | 75.3721% | 1,129 |
| Assets per employee ($millions) | 5.9594% | 2,801 |
| Cash dividends to net income (ytd only)* | 62.0090% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 3,716 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 2,230 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 84.4500% | 215 |
| Net loans and leases to deposits | 94.7678% | 605 |
| Net loans and leases to core deposits | 97.2381% | 939 |
| Total domestic deposits to total assets | 89.1100% | 2,042 |
| Equity capital to assets | 9.0387% | 2,187 |
| Core capital (leverage) ratio | 10.0942% | 2,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $352,458,000 | 2,230 |
| Average earning assets | $330,300,000 | 2,204 |
| Average equity | $29,821,750 | 2,374 |
| Average total loans | $284,233,500 | 1,789 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2310% | 591 |
| Cost of funding earning assets | 0.1621% | 3,415 |
| Net interest margin | 4.0690% | 426 |
| Noninterest income to average assets | 0.5511% | 1,943 |
| Noninterest expense to average assets | 3.4274% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9386% | 2,409 |
| Return on assets (ROA) | 0.9386% | 2,384 |
| Pretax return on assets | 0.9386% | 2,932 |
| Return on Equity (ROE) | 11.3384% | 1,880 |
| Retained earnings to average equity (ytd only) | 3.4611% | 3,285 |
| Net charge-offs to loans | 0.0843% | 652 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 14.0672% | 1,669 |
| Efficiency ratio | 78.5026% | 1,055 |
| Assets per employee ($millions) | 5.6671% | 3,069 |
| Cash dividends to net income (ytd only)* | 69.4743% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8787% | 4,007 |
| Loan loss allowance to noncurrent loans | 183.7619% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 1,434 |
| Noncurrent loans to loans | 0.4782% | 1,684 |
| Net loans and leases to total assets | 81.6096% | 308 |
| Net loans and leases to deposits | 92.5386% | 580 |
| Net loans and leases to core deposits | 94.8063% | 879 |
| Total domestic deposits to total assets | 88.1897% | 2,501 |
| Equity capital to assets | 8.5990% | 2,691 |
| Core capital (leverage) ratio | 9.5992% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,716,333 | 2,218 |
| Average earning assets | $334,433,000 | 2,207 |
| Average equity | $29,528,000 | 2,441 |
| Average total loans | $282,447,000 | 1,792 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0585% | 685 |
| Cost of funding earning assets | 0.1708% | 3,210 |
| Net interest margin | 3.8877% | 518 |
| Noninterest income to average assets | 0.5831% | 1,763 |
| Noninterest expense to average assets | 3.3515% | 494 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8768% | 2,379 |
| Return on assets (ROA) | 0.8768% | 2,377 |
| Pretax return on assets | 0.8768% | 2,865 |
| Return on Equity (ROE) | 10.7921% | 1,687 |
| Retained earnings to average equity (ytd only) | 3.0038% | 3,261 |
| Net charge-offs to loans | 0.1422% | 400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 7.9400% | 1,527 |
| Efficiency ratio | 79.2635% | 1,204 |
| Assets per employee ($millions) | 5.9004% | 2,897 |
| Cash dividends to net income (ytd only)* | 72.1662% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 4,061 |
| Loan loss allowance to noncurrent loans | 152.1739% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 1,302 |
| Noncurrent loans to loans | 0.5864% | 1,582 |
| Net loans and leases to total assets | 79.0552% | 291 |
| Net loans and leases to deposits | 89.2248% | 550 |
| Net loans and leases to core deposits | 91.2707% | 853 |
| Total domestic deposits to total assets | 88.6022% | 2,252 |
| Equity capital to assets | 8.3330% | 3,297 |
| Core capital (leverage) ratio | 9.1307% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,229,000 | 2,196 |
| Average earning assets | $339,635,000 | 2,189 |
| Average equity | $29,429,000 | 2,519 |
| Average total loans | $281,361,500 | 1,784 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6364% | 468 |
| Cost of funding earning assets | 0.2754% | 2,645 |
| Net interest margin | 4.3610% | 359 |
| Noninterest income to average assets | 0.6085% | 2,117 |
| Noninterest expense to average assets | 3.5166% | 461 |
| Loan and lease loss provision to assets | 0.1650% | 711 |
| Net operating income to assets | 0.9989% | 2,669 |
| Return on assets (ROA) | 1.0222% | 2,658 |
| Pretax return on assets | 1.0222% | 3,193 |
| Return on Equity (ROE) | 12.7866% | 1,531 |
| Retained earnings to average equity (ytd only) | 4.5010% | 3,007 |
| Net charge-offs to loans | 0.1758% | 554 |
| Credit loss provision to net charge-offs | 118.4959% | 1,656 |
| Earnings coverage of net charge-offs (x) | 8.3435% | 2,303 |
| Efficiency ratio | 75.1318% | 1,196 |
| Assets per employee ($millions) | 6.3868% | 2,418 |
| Cash dividends to net income (ytd only)* | 64.7989% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 3,982 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 3,777 |
| Noncurrent loans to loans | 0.0467% | 3,748 |
| Net loans and leases to total assets | 74.9684% | 589 |
| Net loans and leases to deposits | 84.4330% | 885 |
| Net loans and leases to core deposits | 87.0735% | 1,130 |
| Total domestic deposits to total assets | 88.7904% | 1,619 |
| Equity capital to assets | 7.9251% | 4,399 |
| Core capital (leverage) ratio | 8.8007% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,670,600 | 2,186 |
| Average earning assets | $329,308,400 | 2,192 |
| Average equity | $28,193,600 | 2,639 |
| Average total loans | $279,855,000 | 1,785 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 468 |
| Cost of funding earning assets | 0.2882% | 2,705 |
| Net interest margin | 4.4362% | 348 |
| Noninterest income to average assets | 0.6490% | 2,015 |
| Noninterest expense to average assets | 3.5520% | 429 |
| Loan and lease loss provision to assets | 0.2151% | 461 |
| Net operating income to assets | 1.0185% | 2,839 |
| Return on assets (ROA) | 1.0499% | 2,795 |
| Pretax return on assets | 1.0499% | 3,324 |
| Return on Equity (ROE) | 13.1023% | 1,668 |
| Retained earnings to average equity (ytd only) | 4.5729% | 3,380 |
| Net charge-offs to loans | 0.2316% | 353 |
| Credit loss provision to net charge-offs | 115.6379% | 1,484 |
| Earnings coverage of net charge-offs (x) | 6.6296% | 2,167 |
| Efficiency ratio | 74.2219% | 1,197 |
| Assets per employee ($millions) | 6.3682% | 2,359 |
| Cash dividends to net income (ytd only)* | 65.0985% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 4,019 |
| Loan loss allowance to noncurrent loans | 667.9487% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 3,390 |
| Noncurrent loans to loans | 0.1415% | 3,401 |
| Net loans and leases to total assets | 75.2026% | 599 |
| Net loans and leases to deposits | 84.9183% | 894 |
| Net loans and leases to core deposits | 88.0036% | 1,150 |
| Total domestic deposits to total assets | 88.5588% | 1,536 |
| Equity capital to assets | 7.8127% | 4,602 |
| Core capital (leverage) ratio | 8.7456% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,230,250 | 2,228 |
| Average earning assets | $324,716,750 | 2,233 |
| Average equity | $27,902,750 | 2,687 |
| Average total loans | $279,737,000 | 1,826 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 474 |
| Cost of funding earning assets | 0.3011% | 2,768 |
| Net interest margin | 4.4826% | 363 |
| Noninterest income to average assets | 0.7294% | 1,719 |
| Noninterest expense to average assets | 3.6031% | 405 |
| Loan and lease loss provision to assets | 0.3146% | 264 |
| Net operating income to assets | 0.9828% | 2,947 |
| Return on assets (ROA) | 1.0305% | 2,865 |
| Pretax return on assets | 1.0305% | 3,367 |
| Return on Equity (ROE) | 12.7492% | 1,809 |
| Retained earnings to average equity (ytd only) | 3.8630% | 3,564 |
| Net charge-offs to loans | 0.3472% | 248 |
| Credit loss provision to net charge-offs | 110.6557% | 1,306 |
| Earnings coverage of net charge-offs (x) | 4.5635% | 2,026 |
| Efficiency ratio | 73.5259% | 1,285 |
| Assets per employee ($millions) | 6.5206% | 2,152 |
| Cash dividends to net income (ytd only)* | 69.7004% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 4,134 |
| Loan loss allowance to noncurrent loans | 653.4177% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 3,479 |
| Noncurrent loans to loans | 0.1391% | 3,503 |
| Net loans and leases to total assets | 79.9083% | 324 |
| Net loans and leases to deposits | 90.6054% | 616 |
| Net loans and leases to core deposits | 93.4656% | 929 |
| Total domestic deposits to total assets | 88.1938% | 1,725 |
| Equity capital to assets | 7.9410% | 4,563 |
| Core capital (leverage) ratio | 8.9966% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $343,312,000 | 2,236 |
| Average earning assets | $319,454,000 | 2,242 |
| Average equity | $27,750,667 | 2,690 |
| Average total loans | $281,123,000 | 1,829 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4107% | 903 |
| Cost of funding earning assets | 0.3151% | 2,838 |
| Net interest margin | 4.0957% | 724 |
| Noninterest income to average assets | 0.7093% | 1,848 |
| Noninterest expense to average assets | 3.4923% | 468 |
| Loan and lease loss provision to assets | 0.0826% | 1,570 |
| Net operating income to assets | 0.9395% | 3,012 |
| Return on assets (ROA) | 1.0374% | 2,761 |
| Pretax return on assets | 1.0374% | 3,267 |
| Return on Equity (ROE) | 12.7182% | 1,748 |
| Retained earnings to average equity (ytd only) | 2.8793% | 3,817 |
| Net charge-offs to loans | 0.0300% | 1,187 |
| Credit loss provision to net charge-offs | 333.3333% | 713 |
| Earnings coverage of net charge-offs (x) | 41.2381% | 972 |
| Efficiency ratio | 77.3595% | 1,011 |
| Assets per employee ($millions) | 6.8811% | 1,871 |
| Cash dividends to net income (ytd only)* | 77.3606% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 4,151 |
| Loan loss allowance to noncurrent loans | 643.1421% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 3,601 |
| Noncurrent loans to loans | 0.1403% | 3,620 |
| Net loans and leases to total assets | 80.7257% | 299 |
| Net loans and leases to deposits | 91.2510% | 633 |
| Net loans and leases to core deposits | 94.5284% | 947 |
| Total domestic deposits to total assets | 88.4655% | 1,623 |
| Equity capital to assets | 7.8826% | 4,557 |
| Core capital (leverage) ratio | 9.2886% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $338,912,500 | 2,243 |
| Average earning assets | $314,869,000 | 2,249 |
| Average equity | $27,645,500 | 2,695 |
| Average total loans | $279,711,000 | 1,838 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8439% | 680 |
| Cost of funding earning assets | 0.5018% | 2,936 |
| Net interest margin | 4.3421% | 464 |
| Noninterest income to average assets | 0.6934% | 1,889 |
| Noninterest expense to average assets | 3.4777% | 714 |
| Loan and lease loss provision to assets | 0.1132% | 2,933 |
| Net operating income to assets | 1.1107% | 1,886 |
| Return on assets (ROA) | 1.1139% | 1,987 |
| Pretax return on assets | 1.1139% | 2,636 |
| Return on Equity (ROE) | 13.1677% | 999 |
| Retained earnings to average equity (ytd only) | 2.6260% | 3,540 |
| Net charge-offs to loans | 0.1279% | 1,232 |
| Credit loss provision to net charge-offs | 106.3253% | 2,758 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 2,400 |
| Efficiency ratio | 73.9688% | 1,450 |
| Assets per employee ($millions) | 5.7349% | 2,595 |
| Cash dividends to net income (ytd only)* | 80.0576% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 4,112 |
| Loan loss allowance to noncurrent loans | 585.4167% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 3,624 |
| Noncurrent loans to loans | 0.1579% | 3,650 |
| Net loans and leases to total assets | 82.9085% | 236 |
| Net loans and leases to deposits | 94.8467% | 613 |
| Net loans and leases to core deposits | 103.2434% | 758 |
| Total domestic deposits to total assets | 87.4131% | 1,741 |
| Equity capital to assets | 8.4519% | 4,482 |
| Core capital (leverage) ratio | 9.6516% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,962,200 | 2,232 |
| Average earning assets | $287,972,000 | 2,238 |
| Average equity | $26,390,400 | 2,721 |
| Average total loans | $259,591,200 | 1,874 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8857% | 753 |
| Cost of funding earning assets | 0.5492% | 2,936 |
| Net interest margin | 4.3365% | 546 |
| Noninterest income to average assets | 0.6800% | 1,855 |
| Noninterest expense to average assets | 3.7244% | 509 |
| Loan and lease loss provision to assets | 0.0808% | 3,299 |
| Net operating income to assets | 0.8746% | 2,794 |
| Return on assets (ROA) | 0.8790% | 2,909 |
| Pretax return on assets | 0.8790% | 3,438 |
| Return on Equity (ROE) | 10.3879% | 1,878 |
| Retained earnings to average equity (ytd only) | 3.5632% | 3,275 |
| Net charge-offs to loans | 0.1317% | 1,093 |
| Credit loss provision to net charge-offs | 73.9130% | 2,791 |
| Earnings coverage of net charge-offs (x) | 8.7312% | 2,471 |
| Efficiency ratio | 79.5822% | 892 |
| Assets per employee ($millions) | 5.6491% | 2,581 |
| Cash dividends to net income (ytd only)* | 65.6988% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 4,062 |
| Loan loss allowance to noncurrent loans | 553.7415% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 3,734 |
| Noncurrent loans to loans | 0.1631% | 3,734 |
| Net loans and leases to total assets | 83.2046% | 342 |
| Net loans and leases to deposits | 95.5260% | 794 |
| Net loans and leases to core deposits | 102.6459% | 1,001 |
| Total domestic deposits to total assets | 87.1015% | 1,625 |
| Equity capital to assets | 8.2479% | 4,607 |
| Core capital (leverage) ratio | 9.7395% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,231,000 | 2,231 |
| Average earning assets | $284,307,000 | 2,247 |
| Average equity | $26,081,000 | 2,727 |
| Average total loans | $256,102,500 | 1,885 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8015% | 1,169 |
| Cost of funding earning assets | 0.6195% | 2,866 |
| Net interest margin | 4.1820% | 964 |
| Noninterest income to average assets | 0.6020% | 2,122 |
| Noninterest expense to average assets | 3.6148% | 636 |
| Loan and lease loss provision to assets | 0.0869% | 3,193 |
| Net operating income to assets | 0.7509% | 3,212 |
| Return on assets (ROA) | 0.7575% | 3,308 |
| Pretax return on assets | 0.7575% | 3,718 |
| Return on Equity (ROE) | 8.8728% | 2,410 |
| Retained earnings to average equity (ytd only) | 2.8624% | 3,442 |
| Net charge-offs to loans | 0.1583% | 935 |
| Credit loss provision to net charge-offs | 66.3317% | 2,567 |
| Earnings coverage of net charge-offs (x) | 6.3920% | 2,445 |
| Efficiency ratio | 81.1834% | 805 |
| Assets per employee ($millions) | 5.7648% | 2,401 |
| Cash dividends to net income (ytd only)* | 67.7391% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 4,022 |
| Loan loss allowance to noncurrent loans | 504.3388% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 3,758 |
| Noncurrent loans to loans | 0.1772% | 3,738 |
| Net loans and leases to total assets | 85.3677% | 165 |
| Net loans and leases to deposits | 98.1176% | 649 |
| Net loans and leases to core deposits | 109.6162% | 751 |
| Total domestic deposits to total assets | 87.0055% | 1,615 |
| Equity capital to assets | 8.2702% | 4,602 |
| Core capital (leverage) ratio | 10.0138% | 2,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,641,667 | 2,232 |
| Average earning assets | $279,577,667 | 2,251 |
| Average equity | $25,922,000 | 2,724 |
| Average total loans | $251,350,000 | 1,893 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 1,272 |
| Cost of funding earning assets | 0.7988% | 2,404 |
| Net interest margin | 4.0687% | 1,201 |
| Noninterest income to average assets | 0.4904% | 2,599 |
| Noninterest expense to average assets | 3.5254% | 899 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7045% | 3,256 |
| Return on assets (ROA) | 0.7180% | 3,299 |
| Pretax return on assets | 0.7180% | 3,630 |
| Return on Equity (ROE) | 8.2725% | 2,398 |
| Retained earnings to average equity (ytd only) | 6.9378% | 1,562 |
| Net charge-offs to loans | 0.3510% | 405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.4787% | 2,285 |
| Efficiency ratio | 83.3439% | 879 |
| Assets per employee ($millions) | 5.1224% | 2,507 |
| Cash dividends to net income (ytd only)* | 16.1351% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 3,954 |
| Loan loss allowance to noncurrent loans | 466.8699% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 3,194 |
| Noncurrent loans to loans | 0.2022% | 3,758 |
| Net loans and leases to total assets | 82.5500% | 392 |
| Net loans and leases to deposits | 95.5614% | 956 |
| Net loans and leases to core deposits | 101.5368% | 1,359 |
| Total domestic deposits to total assets | 86.3842% | 1,835 |
| Equity capital to assets | 8.8528% | 4,673 |
| Core capital (leverage) ratio | 10.1260% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,930,000 | 2,227 |
| Average earning assets | $272,915,500 | 2,242 |
| Average equity | $25,772,000 | 2,723 |
| Average total loans | $240,469,000 | 1,924 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 1,670 |
| Cost of funding earning assets | 0.6947% | 3,184 |
| Net interest margin | 4.2339% | 1,246 |
| Noninterest income to average assets | 0.5395% | 2,532 |
| Noninterest expense to average assets | 3.3687% | 1,167 |
| Loan and lease loss provision to assets | 0.0168% | 3,681 |
| Net operating income to assets | 1.0498% | 2,656 |
| Return on assets (ROA) | 1.0498% | 2,754 |
| Pretax return on assets | 1.0498% | 3,333 |
| Return on Equity (ROE) | 12.2209% | 1,428 |
| Retained earnings to average equity (ytd only) | 4.2831% | 2,817 |
| Net charge-offs to loans | 0.1387% | 1,403 |
| Credit loss provision to net charge-offs | 14.9847% | 3,336 |
| Earnings coverage of net charge-offs (x) | 9.4862% | 2,658 |
| Efficiency ratio | 75.9516% | 1,378 |
| Assets per employee ($millions) | 5.3908% | 2,160 |
| Cash dividends to net income (ytd only)* | 64.9525% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,189 |
| Loan loss allowance to noncurrent loans | 696.6667% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 3,404 |
| Noncurrent loans to loans | 0.1515% | 3,919 |
| Net loans and leases to total assets | 77.8798% | 1,100 |
| Net loans and leases to deposits | 89.6865% | 1,631 |
| Net loans and leases to core deposits | 98.7413% | 1,672 |
| Total domestic deposits to total assets | 86.8356% | 1,694 |
| Equity capital to assets | 8.5119% | 4,910 |
| Core capital (leverage) ratio | 10.0954% | 3,414 |
| Tier 1 risk-based capital ratio | 13.0416% | 3,771 |
| Total risk-based capital ratio | 14.1132% | 3,748 |
| Memoranda: | ||
| Average total assets | $290,823,400 | 2,218 |
| Average earning assets | $267,599,600 | 2,228 |
| Average equity | $24,981,800 | 2,718 |
| Average total loans | $235,746,200 | 1,919 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9681% | 1,627 |
| Cost of funding earning assets | 0.6709% | 3,348 |
| Net interest margin | 4.2972% | 1,168 |
| Noninterest income to average assets | 0.5212% | 2,597 |
| Noninterest expense to average assets | 3.3062% | 1,255 |
| Loan and lease loss provision to assets | 0.0227% | 3,457 |
| Net operating income to assets | 1.1414% | 2,407 |
| Return on assets (ROA) | 1.1414% | 2,489 |
| Pretax return on assets | 1.1414% | 3,161 |
| Return on Equity (ROE) | 13.2560% | 1,189 |
| Retained earnings to average equity (ytd only) | 5.4131% | 2,670 |
| Net charge-offs to loans | 0.0159% | 2,836 |
| Credit loss provision to net charge-offs | 175.0000% | 1,458 |
| Earnings coverage of net charge-offs (x) | 89.8272% | 801 |
| Efficiency ratio | 73.9594% | 1,575 |
| Assets per employee ($millions) | 5.4345% | 2,092 |
| Cash dividends to net income (ytd only)* | 59.1645% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,619 |
| Loan loss allowance to noncurrent loans | 161.5075% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.5815% | 2,262 |
| Noncurrent loans to loans | 0.7303% | 2,140 |
| Net loans and leases to total assets | 78.6773% | 1,033 |
| Net loans and leases to deposits | 90.8145% | 1,588 |
| Net loans and leases to core deposits | 100.3958% | 1,631 |
| Total domestic deposits to total assets | 86.6352% | 1,716 |
| Equity capital to assets | 8.5404% | 4,985 |
| Core capital (leverage) ratio | 10.2560% | 3,359 |
| Tier 1 risk-based capital ratio | 13.1308% | 3,776 |
| Total risk-based capital ratio | 14.3408% | 3,707 |
| Memoranda: | ||
| Average total assets | $288,058,500 | 2,246 |
| Average earning assets | $264,724,750 | 2,260 |
| Average equity | $24,803,250 | 2,748 |
| Average total loans | $235,279,250 | 1,935 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 1,639 |
| Cost of funding earning assets | 0.6307% | 3,505 |
| Net interest margin | 4.3081% | 1,126 |
| Noninterest income to average assets | 0.5189% | 2,574 |
| Noninterest expense to average assets | 3.3602% | 1,170 |
| Loan and lease loss provision to assets | 0.0211% | 3,379 |
| Net operating income to assets | 1.0948% | 2,545 |
| Return on assets (ROA) | 1.0948% | 2,614 |
| Pretax return on assets | 1.0948% | 3,248 |
| Return on Equity (ROE) | 12.6781% | 1,344 |
| Retained earnings to average equity (ytd only) | 4.7227% | 2,905 |
| Net charge-offs to loans | 0.0213% | 2,423 |
| Credit loss provision to net charge-offs | 120.0000% | 1,736 |
| Earnings coverage of net charge-offs (x) | 63.4800% | 953 |
| Efficiency ratio | 75.0707% | 1,508 |
| Assets per employee ($millions) | 5.0181% | 2,456 |
| Cash dividends to net income (ytd only)* | 62.7489% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 2,782 |
| Loan loss allowance to noncurrent loans | 625.7848% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 3,995 |
| Noncurrent loans to loans | 0.1840% | 3,897 |
| Net loans and leases to total assets | 82.3310% | 556 |
| Net loans and leases to deposits | 95.2472% | 1,122 |
| Net loans and leases to core deposits | 104.2356% | 1,366 |
| Total domestic deposits to total assets | 86.4393% | 1,840 |
| Equity capital to assets | 8.6027% | 5,003 |
| Core capital (leverage) ratio | 10.3983% | 3,191 |
| Tier 1 risk-based capital ratio | 12.6176% | 4,065 |
| Total risk-based capital ratio | 13.7902% | 3,997 |
| Memoranda: | ||
| Average total assets | $284,445,330 | 2,266 |
| Average earning assets | $261,277,670 | 2,293 |
| Average equity | $24,562,000 | 2,763 |
| Average total loans | $234,381,670 | 1,948 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9640% | 1,428 |
| Cost of funding earning assets | 0.5870% | 3,641 |
| Net interest margin | 4.3770% | 949 |
| Noninterest income to average assets | 0.5051% | 2,526 |
| Noninterest expense to average assets | 3.4374% | 1,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0884% | 2,518 |
| Return on assets (ROA) | 1.0884% | 2,560 |
| Pretax return on assets | 1.0884% | 3,183 |
| Return on Equity (ROE) | 12.5802% | 1,361 |
| Retained earnings to average equity (ytd only) | 4.5552% | 3,106 |
| Net charge-offs to loans | 0.0399% | 1,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 33.2609% | 1,265 |
| Efficiency ratio | 75.9510% | 1,505 |
| Assets per employee ($millions) | 5.2155% | 2,266 |
| Cash dividends to net income (ytd only)* | 63.7908% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 2,588 |
| Loan loss allowance to noncurrent loans | 527.0992% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 3,904 |
| Noncurrent loans to loans | 0.2274% | 3,766 |
| Net loans and leases to total assets | 79.3821% | 925 |
| Net loans and leases to deposits | 91.8215% | 1,421 |
| Net loans and leases to core deposits | 100.2602% | 1,598 |
| Total domestic deposits to total assets | 86.4526% | 2,096 |
| Equity capital to assets | 8.5521% | 4,960 |
| Core capital (leverage) ratio | 10.6385% | 2,906 |
| Tier 1 risk-based capital ratio | 12.9779% | 3,886 |
| Total risk-based capital ratio | 14.1834% | 3,807 |
| Memoranda: | ||
| Average total assets | $281,144,500 | 2,307 |
| Average earning assets | $258,259,500 | 2,330 |
| Average equity | $24,324,000 | 2,776 |
| Average total loans | $230,366,000 | 1,992 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 2,428 |
| Cost of funding earning assets | 0.3907% | 4,043 |
| Net interest margin | 4.1214% | 1,611 |
| Noninterest income to average assets | 0.6501% | 2,045 |
| Noninterest expense to average assets | 3.4611% | 1,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9455% | 3,256 |
| Return on assets (ROA) | 0.9455% | 3,250 |
| Pretax return on assets | 0.9455% | 3,773 |
| Return on Equity (ROE) | 10.4551% | 2,317 |
| Retained earnings to average equity (ytd only) | 2.6656% | 4,070 |
| Net charge-offs to loans | -0.0120% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5435% | 1,083 |
| Assets per employee ($millions) | 4.7489% | 2,812 |
| Cash dividends to net income (ytd only)* | 74.5044% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 2,515 |
| Loan loss allowance to noncurrent loans | 285.5533% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 3,130 |
| Noncurrent loans to loans | 0.4239% | 3,021 |
| Net loans and leases to total assets | 82.5865% | 579 |
| Net loans and leases to deposits | 96.9249% | 983 |
| Net loans and leases to core deposits | 103.5559% | 1,448 |
| Total domestic deposits to total assets | 85.2067% | 2,555 |
| Equity capital to assets | 8.7556% | 4,763 |
| Core capital (leverage) ratio | 10.9309% | 2,596 |
| Tier 1 risk-based capital ratio | 12.6911% | 4,017 |
| Total risk-based capital ratio | 13.8920% | 3,935 |
| Memoranda: | ||
| Average total assets | $266,738,800 | 2,362 |
| Average earning assets | $243,122,600 | 2,392 |
| Average equity | $24,122,200 | 2,717 |
| Average total loans | $216,681,800 | 2,053 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3816% | 2,683 |
| Cost of funding earning assets | 0.3577% | 4,133 |
| Net interest margin | 4.0238% | 1,880 |
| Noninterest income to average assets | 0.6577% | 2,035 |
| Noninterest expense to average assets | 3.4053% | 1,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9142% | 3,461 |
| Return on assets (ROA) | 0.9142% | 3,467 |
| Pretax return on assets | 0.9142% | 3,966 |
| Return on Equity (ROE) | 10.0258% | 2,611 |
| Retained earnings to average equity (ytd only) | 2.9182% | 4,265 |
| Net charge-offs to loans | -0.0156% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8356% | 1,040 |
| Assets per employee ($millions) | 5.1356% | 2,295 |
| Cash dividends to net income (ytd only)* | 70.8928% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 2,192 |
| Loan loss allowance to noncurrent loans | 202.0305% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 2,669 |
| Noncurrent loans to loans | 0.6339% | 2,497 |
| Net loans and leases to total assets | 80.4192% | 954 |
| Net loans and leases to deposits | 95.4476% | 1,214 |
| Net loans and leases to core deposits | 102.4076% | 1,574 |
| Total domestic deposits to total assets | 84.2548% | 2,865 |
| Equity capital to assets | 8.9428% | 4,601 |
| Core capital (leverage) ratio | 11.1697% | 2,434 |
| Tier 1 risk-based capital ratio | 13.1298% | 3,831 |
| Total risk-based capital ratio | 14.3766% | 3,741 |
| Memoranda: | ||
| Average total assets | $264,564,500 | 2,384 |
| Average earning assets | $240,758,750 | 2,418 |
| Average equity | $24,123,750 | 2,729 |
| Average total loans | $213,287,250 | 2,083 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 2,704 |
| Cost of funding earning assets | 0.3481% | 4,087 |
| Net interest margin | 3.9692% | 1,964 |
| Noninterest income to average assets | 0.6514% | 2,087 |
| Noninterest expense to average assets | 3.3640% | 1,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9017% | 3,446 |
| Return on assets (ROA) | 0.9017% | 3,454 |
| Pretax return on assets | 0.9017% | 3,960 |
| Return on Equity (ROE) | 9.8247% | 2,648 |
| Retained earnings to average equity (ytd only) | 2.6689% | 4,184 |
| Net charge-offs to loans | -0.0425% | 4,864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8622% | 1,130 |
| Assets per employee ($millions) | 4.9366% | 2,497 |
| Cash dividends to net income (ytd only)* | 72.8343% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 1,983 |
| Loan loss allowance to noncurrent loans | 198.4441% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 2,606 |
| Noncurrent loans to loans | 0.6761% | 2,414 |
| Net loans and leases to total assets | 78.8654% | 1,182 |
| Net loans and leases to deposits | 92.3087% | 1,546 |
| Net loans and leases to core deposits | 97.8746% | 1,899 |
| Total domestic deposits to total assets | 85.4366% | 2,518 |
| Equity capital to assets | 9.0910% | 4,487 |
| Core capital (leverage) ratio | 11.2339% | 2,317 |
| Tier 1 risk-based capital ratio | 13.5454% | 3,590 |
| Total risk-based capital ratio | 14.7961% | 3,499 |
| Memoranda: | ||
| Average total assets | $263,735,330 | 2,392 |
| Average earning assets | $240,151,330 | 2,427 |
| Average equity | $24,204,330 | 2,737 |
| Average total loans | $211,867,330 | 2,094 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2488% | 2,715 |
| Cost of funding earning assets | 0.3434% | 4,040 |
| Net interest margin | 3.9054% | 2,026 |
| Noninterest income to average assets | 0.5771% | 2,380 |
| Noninterest expense to average assets | 3.2782% | 1,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8550% | 3,476 |
| Return on assets (ROA) | 0.8550% | 3,492 |
| Pretax return on assets | 0.8550% | 3,997 |
| Return on Equity (ROE) | 9.2736% | 2,780 |
| Retained earnings to average equity (ytd only) | 8.0120% | 1,829 |
| Net charge-offs to loans | -0.0919% | 5,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3129% | 1,220 |
| Assets per employee ($millions) | 5.1496% | 2,301 |
| Cash dividends to net income (ytd only)* | 13.6042% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 2,049 |
| Loan loss allowance to noncurrent loans | 181.5245% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.5894% | 2,558 |
| Noncurrent loans to loans | 0.7389% | 2,357 |
| Net loans and leases to total assets | 78.7043% | 1,125 |
| Net loans and leases to deposits | 92.1099% | 1,444 |
| Net loans and leases to core deposits | 97.6197% | 1,864 |
| Total domestic deposits to total assets | 85.4461% | 2,773 |
| Equity capital to assets | 9.3325% | 4,239 |
| Core capital (leverage) ratio | 11.2574% | 2,203 |
| Tier 1 risk-based capital ratio | 13.5691% | 3,619 |
| Total risk-based capital ratio | 14.8199% | 3,527 |
| Memoranda: | ||
| Average total assets | $264,782,000 | 2,406 |
| Average earning assets | $241,103,000 | 2,442 |
| Average equity | $24,413,500 | 2,730 |
| Average total loans | $213,225,500 | 2,091 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 2,318 |
| Cost of funding earning assets | 0.2202% | 4,790 |
| Net interest margin | 4.0831% | 1,503 |
| Noninterest income to average assets | 0.6823% | 2,041 |
| Noninterest expense to average assets | 3.5212% | 998 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8789% | 2,823 |
| Return on assets (ROA) | 0.8801% | 2,835 |
| Pretax return on assets | 0.8801% | 3,975 |
| Return on Equity (ROE) | 9.0964% | 2,271 |
| Retained earnings to average equity (ytd only) | 0.3274% | 4,895 |
| Net charge-offs to loans | 0.0161% | 3,554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 68.9394% | 865 |
| Efficiency ratio | 80.0246% | 1,098 |
| Assets per employee ($millions) | 4.8533% | 2,672 |
| Cash dividends to net income (ytd only)* | 96.4004% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,362 |
| Loan loss allowance to noncurrent loans | 172.6704% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 2,191 |
| Noncurrent loans to loans | 0.7371% | 2,363 |
| Net loans and leases to total assets | 80.2367% | 927 |
| Net loans and leases to deposits | 97.6181% | 929 |
| Net loans and leases to core deposits | 103.0336% | 1,483 |
| Total domestic deposits to total assets | 82.1945% | 3,818 |
| Equity capital to assets | 9.1097% | 4,608 |
| Core capital (leverage) ratio | 10.7093% | 2,639 |
| Tier 1 risk-based capital ratio | 12.8708% | 3,991 |
| Total risk-based capital ratio | 14.1042% | 3,896 |
| Memoranda: | ||
| Average total assets | $258,835,000 | 2,425 |
| Average earning assets | $235,679,800 | 2,455 |
| Average equity | $25,043,000 | 2,671 |
| Average total loans | $205,069,000 | 2,118 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 2,405 |
| Cost of funding earning assets | 0.1704% | 5,194 |
| Net interest margin | 4.0867% | 1,425 |
| Noninterest income to average assets | 0.6708% | 2,122 |
| Noninterest expense to average assets | 3.5185% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8748% | 3,151 |
| Return on assets (ROA) | 0.8764% | 3,189 |
| Pretax return on assets | 0.8764% | 4,119 |
| Return on Equity (ROE) | 8.9223% | 2,649 |
| Retained earnings to average equity (ytd only) | 3.0023% | 4,118 |
| Net charge-offs to loans | -0.0007% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0874% | 1,090 |
| Assets per employee ($millions) | 4.7728% | 2,735 |
| Cash dividends to net income (ytd only)* | 66.3509% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,375 |
| Loan loss allowance to noncurrent loans | 140.8564% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.7427% | 2,271 |
| Noncurrent loans to loans | 0.9195% | 2,085 |
| Net loans and leases to total assets | 79.7210% | 1,024 |
| Net loans and leases to deposits | 97.4048% | 975 |
| Net loans and leases to core deposits | 102.4143% | 1,514 |
| Total domestic deposits to total assets | 81.8450% | 3,821 |
| Equity capital to assets | 9.3536% | 4,589 |
| Core capital (leverage) ratio | 11.2364% | 2,235 |
| Tier 1 risk-based capital ratio | 12.9785% | 4,026 |
| Total risk-based capital ratio | 14.2171% | 3,940 |
| Memoranda: | ||
| Average total assets | $256,810,250 | 2,459 |
| Average earning assets | $233,926,250 | 2,481 |
| Average equity | $25,224,500 | 2,686 |
| Average total loans | $202,101,250 | 2,150 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 2,419 |
| Cost of funding earning assets | 0.1193% | 5,513 |
| Net interest margin | 4.0948% | 1,334 |
| Noninterest income to average assets | 0.5913% | 2,502 |
| Noninterest expense to average assets | 3.5473% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7840% | 3,470 |
| Return on assets (ROA) | 0.7864% | 3,516 |
| Pretax return on assets | 0.7864% | 4,326 |
| Return on Equity (ROE) | 7.8737% | 3,109 |
| Retained earnings to average equity (ytd only) | 2.4744% | 4,206 |
| Net charge-offs to loans | 0.0061% | 3,242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 165.5000% | 465 |
| Efficiency ratio | 81.8994% | 1,015 |
| Assets per employee ($millions) | 4.9142% | 2,491 |
| Cash dividends to net income (ytd only)* | 68.5743% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 2,058 |
| Loan loss allowance to noncurrent loans | 145.7158% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 2,323 |
| Noncurrent loans to loans | 0.9448% | 2,074 |
| Net loans and leases to total assets | 78.1835% | 1,221 |
| Net loans and leases to deposits | 91.4382% | 1,563 |
| Net loans and leases to core deposits | 94.4423% | 2,115 |
| Total domestic deposits to total assets | 85.5042% | 2,616 |
| Equity capital to assets | 10.0432% | 3,858 |
| Core capital (leverage) ratio | 11.3316% | 2,100 |
| Tier 1 risk-based capital ratio | 13.4485% | 3,720 |
| Total risk-based capital ratio | 14.6992% | 3,638 |
| Memoranda: | ||
| Average total assets | $253,321,670 | 2,495 |
| Average earning assets | $231,367,670 | 2,512 |
| Average equity | $25,299,330 | 2,682 |
| Average total loans | $197,511,330 | 2,190 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1536% | 2,459 |
| Cost of funding earning assets | 0.1011% | 5,646 |
| Net interest margin | 4.0525% | 1,341 |
| Noninterest income to average assets | 0.5614% | 2,601 |
| Noninterest expense to average assets | 3.5763% | 925 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6724% | 3,825 |
| Return on assets (ROA) | 0.6724% | 3,864 |
| Pretax return on assets | 0.6724% | 4,525 |
| Return on Equity (ROE) | 6.7524% | 3,518 |
| Retained earnings to average equity (ytd only) | 2.8029% | 4,006 |
| Net charge-offs to loans | -0.0267% | 4,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1732% | 954 |
| Assets per employee ($millions) | 4.6986% | 2,851 |
| Cash dividends to net income (ytd only)* | 58.4906% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 1,958 |
| Loan loss allowance to noncurrent loans | 133.7143% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 2,229 |
| Noncurrent loans to loans | 1.0679% | 1,921 |
| Net loans and leases to total assets | 76.3958% | 1,347 |
| Net loans and leases to deposits | 87.7169% | 1,836 |
| Net loans and leases to core deposits | 91.6513% | 2,201 |
| Total domestic deposits to total assets | 87.0936% | 2,167 |
| Equity capital to assets | 9.9600% | 3,806 |
| Core capital (leverage) ratio | 11.5293% | 1,922 |
| Tier 1 risk-based capital ratio | 13.4091% | 3,832 |
| Total risk-based capital ratio | 14.6598% | 3,750 |
| Memoranda: | ||
| Average total assets | $252,214,500 | 2,523 |
| Average earning assets | $229,488,000 | 2,559 |
| Average equity | $25,117,000 | 2,705 |
| Average total loans | $194,979,000 | 2,224 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0687% | 2,958 |
| Cost of funding earning assets | 0.0615% | 5,819 |
| Net interest margin | 4.0073% | 1,616 |
| Noninterest income to average assets | 0.5953% | 2,690 |
| Noninterest expense to average assets | 3.5425% | 1,099 |
| Loan and lease loss provision to assets | -0.1595% | 5,747 |
| Net operating income to assets | 0.8768% | 2,946 |
| Return on assets (ROA) | 0.9099% | 2,885 |
| Pretax return on assets | 0.9099% | 3,815 |
| Return on Equity (ROE) | 8.9859% | 2,427 |
| Retained earnings to average equity (ytd only) | 0.7009% | 5,046 |
| Net charge-offs to loans | -0.0084% | 4,901 |
| Credit loss provision to net charge-offs | 2,666.6667% | 153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1602% | 1,088 |
| Assets per employee ($millions) | 4.8212% | 2,618 |
| Cash dividends to net income (ytd only)* | 92.1998% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 1,890 |
| Loan loss allowance to noncurrent loans | 181.7295% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 2,892 |
| Noncurrent loans to loans | 0.7956% | 2,527 |
| Net loans and leases to total assets | 75.9939% | 1,514 |
| Net loans and leases to deposits | 88.0471% | 1,920 |
| Net loans and leases to core deposits | 91.6812% | 2,330 |
| Total domestic deposits to total assets | 86.3105% | 2,455 |
| Equity capital to assets | 9.9572% | 3,763 |
| Core capital (leverage) ratio | 11.6803% | 1,809 |
| Tier 1 risk-based capital ratio | 13.5670% | 3,728 |
| Total risk-based capital ratio | 14.8180% | 3,635 |
| Memoranda: | ||
| Average total assets | $250,784,400 | 2,502 |
| Average earning assets | $229,333,600 | 2,519 |
| Average equity | $25,395,400 | 2,684 |
| Average total loans | $178,605,600 | 2,326 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 3,145 |
| Cost of funding earning assets | 0.0581% | 5,890 |
| Net interest margin | 3.9624% | 1,775 |
| Noninterest income to average assets | 0.5981% | 2,674 |
| Noninterest expense to average assets | 3.4549% | 1,236 |
| Loan and lease loss provision to assets | -0.0797% | 5,766 |
| Net operating income to assets | 0.8479% | 3,162 |
| Return on assets (ROA) | 0.8915% | 3,085 |
| Pretax return on assets | 0.8915% | 4,009 |
| Return on Equity (ROE) | 8.7672% | 2,625 |
| Retained earnings to average equity (ytd only) | -1.9186% | 5,589 |
| Net charge-offs to loans | 0.0922% | 2,029 |
| Credit loss provision to net charge-offs | -123.9669% | 4,780 |
| Earnings coverage of net charge-offs (x) | 11.9421% | 2,433 |
| Efficiency ratio | 81.8102% | 1,216 |
| Assets per employee ($millions) | 4.4109% | 3,226 |
| Cash dividends to net income (ytd only)* | 121.8848% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 1,483 |
| Loan loss allowance to noncurrent loans | 187.8553% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 2,989 |
| Noncurrent loans to loans | 0.8497% | 2,558 |
| Net loans and leases to total assets | 73.8942% | 1,883 |
| Net loans and leases to deposits | 83.6868% | 2,524 |
| Net loans and leases to core deposits | 86.4484% | 2,913 |
| Total domestic deposits to total assets | 88.2985% | 1,238 |
| Equity capital to assets | 10.3986% | 3,678 |
| Core capital (leverage) ratio | 11.3864% | 2,121 |
| Tier 1 risk-based capital ratio | 14.2335% | 3,440 |
| Total risk-based capital ratio | 15.4859% | 3,363 |
| Memoranda: | ||
| Average total assets | $250,804,750 | 2,504 |
| Average earning assets | $229,450,500 | 2,525 |
| Average equity | $25,503,500 | 2,689 |
| Average total loans | $174,928,500 | 2,367 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9687% | 3,352 |
| Cost of funding earning assets | 0.0577% | 5,972 |
| Net interest margin | 3.9110% | 1,944 |
| Noninterest income to average assets | 0.5932% | 2,654 |
| Noninterest expense to average assets | 3.2942% | 1,603 |
| Loan and lease loss provision to assets | -0.1183% | 5,892 |
| Net operating income to assets | 0.9987% | 2,402 |
| Return on assets (ROA) | 1.0428% | 2,338 |
| Pretax return on assets | 1.0428% | 3,424 |
| Return on Equity (ROE) | 10.3299% | 1,909 |
| Retained earnings to average equity (ytd only) | -2.3754% | 5,570 |
| Net charge-offs to loans | -0.0417% | 5,292 |
| Credit loss provision to net charge-offs | 416.6667% | 753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9116% | 1,654 |
| Assets per employee ($millions) | 4.4288% | 3,164 |
| Cash dividends to net income (ytd only)* | 122.9955% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7369% | 1,198 |
| Loan loss allowance to noncurrent loans | 208.7875% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 3,244 |
| Noncurrent loans to loans | 0.8319% | 2,664 |
| Net loans and leases to total assets | 69.9136% | 2,497 |
| Net loans and leases to deposits | 78.9957% | 3,057 |
| Net loans and leases to core deposits | 81.3384% | 3,333 |
| Total domestic deposits to total assets | 88.5030% | 1,165 |
| Equity capital to assets | 10.2422% | 3,919 |
| Core capital (leverage) ratio | 11.1412% | 2,285 |
| Tier 1 risk-based capital ratio | 14.4587% | 3,342 |
| Total risk-based capital ratio | 15.7127% | 3,272 |
| Memoranda: | ||
| Average total assets | $253,539,330 | 2,504 |
| Average earning assets | $232,167,000 | 2,514 |
| Average equity | $25,595,670 | 2,697 |
| Average total loans | $172,512,670 | 2,390 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 3,480 |
| Cost of funding earning assets | 0.0579% | 6,032 |
| Net interest margin | 3.8679% | 2,045 |
| Noninterest income to average assets | 0.5665% | 2,703 |
| Noninterest expense to average assets | 3.2555% | 1,708 |
| Loan and lease loss provision to assets | -0.2341% | 6,034 |
| Net operating income to assets | 1.0909% | 1,942 |
| Return on assets (ROA) | 1.1190% | 1,936 |
| Pretax return on assets | 1.1190% | 3,022 |
| Return on Equity (ROE) | 11.1628% | 1,546 |
| Retained earnings to average equity (ytd only) | -4.8886% | 5,605 |
| Net charge-offs to loans | -0.0352% | 5,133 |
| Credit loss provision to net charge-offs | 1,000.0000% | 359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1651% | 1,718 |
| Assets per employee ($millions) | 4.8816% | 2,477 |
| Cash dividends to net income (ytd only)* | 143.7936% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 1,196 |
| Loan loss allowance to noncurrent loans | 346.6970% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.8747% | 2,501 |
| Noncurrent loans to loans | 0.5128% | 3,645 |
| Net loans and leases to total assets | 65.0052% | 3,106 |
| Net loans and leases to deposits | 73.0085% | 3,549 |
| Net loans and leases to core deposits | 75.0666% | 3,783 |
| Total domestic deposits to total assets | 89.0379% | 1,079 |
| Equity capital to assets | 9.9046% | 4,208 |
| Core capital (leverage) ratio | 11.0171% | 2,392 |
| Tier 1 risk-based capital ratio | 15.0006% | 3,157 |
| Total risk-based capital ratio | 16.2553% | 3,091 |
| Memoranda: | ||
| Average total assets | $256,303,000 | 2,491 |
| Average earning assets | $234,961,000 | 2,504 |
| Average equity | $25,692,500 | 2,688 |
| Average total loans | $170,539,500 | 2,403 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1592% | 2,708 |
| Cost of funding earning assets | 0.0675% | 6,073 |
| Net interest margin | 4.0917% | 1,430 |
| Noninterest income to average assets | 0.6916% | 2,246 |
| Noninterest expense to average assets | 3.2326% | 1,879 |
| Loan and lease loss provision to assets | -0.0595% | 5,771 |
| Net operating income to assets | 1.2667% | 1,348 |
| Return on assets (ROA) | 1.2703% | 1,392 |
| Pretax return on assets | 1.2703% | 2,399 |
| Return on Equity (ROE) | 12.6620% | 1,139 |
| Retained earnings to average equity (ytd only) | 5.4243% | 2,123 |
| Net charge-offs to loans | 0.0168% | 3,945 |
| Credit loss provision to net charge-offs | -517.2414% | 5,449 |
| Earnings coverage of net charge-offs (x) | 105.0345% | 551 |
| Efficiency ratio | 72.8084% | 2,771 |
| Assets per employee ($millions) | 4.7015% | 2,729 |
| Cash dividends to net income (ytd only)* | 57.1607% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 1,007 |
| Loan loss allowance to noncurrent loans | 725.7991% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 2,591 |
| Noncurrent loans to loans | 0.2579% | 4,514 |
| Net loans and leases to total assets | 65.6494% | 3,034 |
| Net loans and leases to deposits | 74.0058% | 3,493 |
| Net loans and leases to core deposits | 76.4215% | 3,719 |
| Total domestic deposits to total assets | 88.7084% | 1,279 |
| Equity capital to assets | 10.1462% | 3,809 |
| Core capital (leverage) ratio | 11.2941% | 2,126 |
| Tier 1 risk-based capital ratio | 15.4707% | 2,944 |
| Total risk-based capital ratio | 16.7262% | 2,881 |
| Memoranda: | ||
| Average total assets | $252,305,800 | 2,486 |
| Average earning assets | $231,127,800 | 2,505 |
| Average equity | $25,312,000 | 2,667 |
| Average total loans | $172,130,200 | 2,331 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1952% | 2,587 |
| Cost of funding earning assets | 0.0699% | 6,154 |
| Net interest margin | 4.1254% | 1,336 |
| Noninterest income to average assets | 0.7277% | 2,120 |
| Noninterest expense to average assets | 3.2518% | 1,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2581% | 1,457 |
| Return on assets (ROA) | 1.2628% | 1,505 |
| Pretax return on assets | 1.2628% | 2,542 |
| Return on Equity (ROE) | 12.6239% | 1,218 |
| Retained earnings to average equity (ytd only) | 4.9628% | 2,943 |
| Net charge-offs to loans | 0.0100% | 3,821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 182.8765% | 392 |
| Efficiency ratio | 72.1042% | 2,862 |
| Assets per employee ($millions) | 4.7241% | 2,662 |
| Cash dividends to net income (ytd only)* | 60.6875% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9871% | 928 |
| Loan loss allowance to noncurrent loans | 538.8084% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 2,841 |
| Noncurrent loans to loans | 0.3688% | 4,292 |
| Net loans and leases to total assets | 65.9147% | 3,029 |
| Net loans and leases to deposits | 74.3462% | 3,506 |
| Net loans and leases to core deposits | 76.8117% | 3,710 |
| Total domestic deposits to total assets | 88.6591% | 1,196 |
| Equity capital to assets | 10.1327% | 4,020 |
| Core capital (leverage) ratio | 11.1549% | 2,345 |
| Tier 1 risk-based capital ratio | 15.7857% | 2,905 |
| Total risk-based capital ratio | 17.0433% | 2,836 |
| Memoranda: | ||
| Average total assets | $251,912,500 | 2,514 |
| Average earning assets | $230,954,750 | 2,521 |
| Average equity | $25,200,250 | 2,700 |
| Average total loans | $172,700,500 | 2,335 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 2,317 |
| Cost of funding earning assets | 0.0727% | 6,214 |
| Net interest margin | 4.1892% | 1,125 |
| Noninterest income to average assets | 0.7685% | 1,921 |
| Noninterest expense to average assets | 3.2913% | 1,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3145% | 1,274 |
| Return on assets (ROA) | 1.3216% | 1,308 |
| Pretax return on assets | 1.3216% | 2,282 |
| Return on Equity (ROE) | 13.2678% | 1,062 |
| Retained earnings to average equity (ytd only) | 6.0134% | 2,236 |
| Net charge-offs to loans | -0.0505% | 5,554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4605% | 3,078 |
| Assets per employee ($millions) | 4.6557% | 2,740 |
| Cash dividends to net income (ytd only)* | 54.6763% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 950 |
| Loan loss allowance to noncurrent loans | 525.9660% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.8230% | 2,914 |
| Noncurrent loans to loans | 0.3850% | 4,326 |
| Net loans and leases to total assets | 65.4878% | 3,047 |
| Net loans and leases to deposits | 73.7279% | 3,523 |
| Net loans and leases to core deposits | 76.1127% | 3,755 |
| Total domestic deposits to total assets | 88.8237% | 1,237 |
| Equity capital to assets | 10.0085% | 4,030 |
| Core capital (leverage) ratio | 11.0566% | 2,371 |
| Tier 1 risk-based capital ratio | 15.6453% | 3,030 |
| Total risk-based capital ratio | 16.9032% | 2,975 |
| Memoranda: | ||
| Average total assets | $252,424,000 | 2,529 |
| Average earning assets | $231,215,000 | 2,529 |
| Average equity | $25,143,670 | 2,712 |
| Average total loans | $174,140,000 | 2,324 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1426% | 2,663 |
| Cost of funding earning assets | 0.0743% | 6,286 |
| Net interest margin | 4.0683% | 1,357 |
| Noninterest income to average assets | 0.9267% | 1,313 |
| Noninterest expense to average assets | 3.4539% | 1,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1940% | 1,568 |
| Return on assets (ROA) | 1.2082% | 1,616 |
| Pretax return on assets | 1.2082% | 2,634 |
| Return on Equity (ROE) | 12.1586% | 1,302 |
| Retained earnings to average equity (ytd only) | 3.5012% | 3,897 |
| Net charge-offs to loans | -0.0181% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3110% | 2,767 |
| Assets per employee ($millions) | 4.6877% | 2,782 |
| Cash dividends to net income (ytd only)* | 71.2042% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9370% | 1,213 |
| Loan loss allowance to noncurrent loans | 113.6348% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.7319% | 1,441 |
| Noncurrent loans to loans | 1.7046% | 1,612 |
| Net loans and leases to total assets | 67.3378% | 2,554 |
| Net loans and leases to deposits | 75.6205% | 3,099 |
| Net loans and leases to core deposits | 78.1881% | 3,358 |
| Total domestic deposits to total assets | 89.0470% | 1,230 |
| Equity capital to assets | 9.7923% | 4,395 |
| Core capital (leverage) ratio | 10.8980% | 2,518 |
| Tier 1 risk-based capital ratio | 14.6372% | 3,632 |
| Total risk-based capital ratio | 15.8938% | 3,554 |
| Memoranda: | ||
| Average total assets | $252,932,500 | 2,537 |
| Average earning assets | $231,349,500 | 2,540 |
| Average equity | $25,134,500 | 2,735 |
| Average total loans | $177,188,000 | 2,293 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 2,398 |
| Cost of funding earning assets | 0.1057% | 6,308 |
| Net interest margin | 4.2472% | 1,170 |
| Noninterest income to average assets | 0.6102% | 2,797 |
| Noninterest expense to average assets | 3.2376% | 2,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2429% | 1,456 |
| Return on assets (ROA) | 1.2632% | 1,451 |
| Pretax return on assets | 1.2632% | 2,378 |
| Return on Equity (ROE) | 13.2666% | 1,084 |
| Retained earnings to average equity (ytd only) | 3.2313% | 3,929 |
| Net charge-offs to loans | -0.0749% | 6,039 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2591% | 3,162 |
| Assets per employee ($millions) | 4.4338% | 3,145 |
| Cash dividends to net income (ytd only)* | 75.6434% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8604% | 1,399 |
| Loan loss allowance to noncurrent loans | 581.1419% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.8080% | 3,185 |
| Noncurrent loans to loans | 0.3201% | 4,696 |
| Net loans and leases to total assets | 70.1121% | 2,225 |
| Net loans and leases to deposits | 78.7878% | 2,866 |
| Net loans and leases to core deposits | 81.7122% | 3,137 |
| Total domestic deposits to total assets | 88.9886% | 1,246 |
| Equity capital to assets | 10.0824% | 4,007 |
| Core capital (leverage) ratio | 10.7614% | 2,659 |
| Tier 1 risk-based capital ratio | 14.9319% | 3,527 |
| Total risk-based capital ratio | 16.1895% | 3,457 |
| Memoranda: | ||
| Average total assets | $252,224,200 | 2,501 |
| Average earning assets | $229,843,000 | 2,522 |
| Average equity | $24,015,200 | 2,758 |
| Average total loans | $178,972,200 | 2,239 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 2,334 |
| Cost of funding earning assets | 0.1104% | 6,378 |
| Net interest margin | 4.2625% | 1,126 |
| Noninterest income to average assets | 0.6204% | 2,748 |
| Noninterest expense to average assets | 3.2531% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2476% | 1,533 |
| Return on assets (ROA) | 1.2746% | 1,509 |
| Pretax return on assets | 1.2746% | 2,481 |
| Return on Equity (ROE) | 13.5874% | 1,076 |
| Retained earnings to average equity (ytd only) | 4.4765% | 3,463 |
| Net charge-offs to loans | -0.0672% | 6,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2797% | 3,130 |
| Assets per employee ($millions) | 4.2257% | 3,426 |
| Cash dividends to net income (ytd only)* | 67.0539% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8139% | 1,665 |
| Loan loss allowance to noncurrent loans | 572.5389% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.8194% | 3,376 |
| Noncurrent loans to loans | 0.3168% | 4,957 |
| Net loans and leases to total assets | 71.9721% | 1,856 |
| Net loans and leases to deposits | 81.0940% | 2,534 |
| Net loans and leases to core deposits | 84.1505% | 2,864 |
| Total domestic deposits to total assets | 88.7514% | 1,377 |
| Equity capital to assets | 10.2243% | 3,899 |
| Core capital (leverage) ratio | 10.8930% | 2,587 |
| Tier 1 risk-based capital ratio | 14.6737% | 3,775 |
| Total risk-based capital ratio | 15.9303% | 3,713 |
| Memoranda: | ||
| Average total assets | $252,098,250 | 2,521 |
| Average earning assets | $229,500,250 | 2,543 |
| Average equity | $23,648,750 | 2,792 |
| Average total loans | $178,577,250 | 2,252 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3526% | 2,374 |
| Cost of funding earning assets | 0.1172% | 6,424 |
| Net interest margin | 4.2354% | 1,167 |
| Noninterest income to average assets | 0.6110% | 2,759 |
| Noninterest expense to average assets | 3.1973% | 2,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2694% | 1,392 |
| Return on assets (ROA) | 1.3098% | 1,333 |
| Pretax return on assets | 1.3098% | 2,218 |
| Return on Equity (ROE) | 14.3870% | 892 |
| Retained earnings to average equity (ytd only) | 0.7293% | 5,447 |
| Net charge-offs to loans | -0.0790% | 6,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5803% | 3,416 |
| Assets per employee ($millions) | 3.8759% | 4,118 |
| Cash dividends to net income (ytd only)* | 94.9306% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8168% | 1,803 |
| Loan loss allowance to noncurrent loans | 561.3288% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 3,525 |
| Noncurrent loans to loans | 0.3237% | 5,039 |
| Net loans and leases to total assets | 70.6806% | 1,968 |
| Net loans and leases to deposits | 79.2362% | 2,622 |
| Net loans and leases to core deposits | 81.5910% | 3,018 |
| Total domestic deposits to total assets | 89.2024% | 1,249 |
| Equity capital to assets | 9.4576% | 4,786 |
| Core capital (leverage) ratio | 10.5170% | 2,927 |
| Tier 1 risk-based capital ratio | 14.3573% | 4,022 |
| Total risk-based capital ratio | 15.6138% | 3,952 |
| Memoranda: | ||
| Average total assets | $253,024,670 | 2,518 |
| Average earning assets | $230,345,330 | 2,542 |
| Average equity | $23,034,670 | 2,844 |
| Average total loans | $177,184,670 | 2,264 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 2,422 |
| Cost of funding earning assets | 0.1214% | 6,490 |
| Net interest margin | 4.2055% | 1,202 |
| Noninterest income to average assets | 0.6026% | 2,718 |
| Noninterest expense to average assets | 3.2259% | 2,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2020% | 1,481 |
| Return on assets (ROA) | 1.2020% | 1,544 |
| Pretax return on assets | 1.2020% | 2,476 |
| Return on Equity (ROE) | 13.4638% | 1,047 |
| Retained earnings to average equity (ytd only) | -14.2412% | 6,454 |
| Net charge-offs to loans | -0.0982% | 6,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8536% | 3,331 |
| Assets per employee ($millions) | 4.1663% | 3,598 |
| Cash dividends to net income (ytd only)* | 205.7743% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 1,887 |
| Loan loss allowance to noncurrent loans | 330.7692% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 1.0793% | 3,096 |
| Noncurrent loans to loans | 0.5605% | 4,482 |
| Net loans and leases to total assets | 68.0750% | 2,210 |
| Net loans and leases to deposits | 75.7832% | 2,834 |
| Net loans and leases to core deposits | 78.3258% | 3,167 |
| Total domestic deposits to total assets | 89.8287% | 1,166 |
| Equity capital to assets | 8.8170% | 5,312 |
| Core capital (leverage) ratio | 10.2158% | 3,272 |
| Tier 1 risk-based capital ratio | 14.2995% | 4,128 |
| Total risk-based capital ratio | 15.5565% | 4,075 |
| Memoranda: | ||
| Average total assets | $253,569,000 | 2,521 |
| Average earning assets | $230,648,500 | 2,545 |
| Average equity | $22,638,500 | 2,877 |
| Average total loans | $175,094,500 | 2,282 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 3,780 |
| Cost of funding earning assets | 0.3202% | 5,422 |
| Net interest margin | 3.7693% | 2,764 |
| Noninterest income to average assets | 1.6028% | 557 |
| Noninterest expense to average assets | 3.4209% | 1,839 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.6001% | 691 |
| Return on assets (ROA) | 1.5835% | 735 |
| Pretax return on assets | 1.5835% | 1,213 |
| Return on Equity (ROE) | 17.6526% | 440 |
| Retained earnings to average equity (ytd only) | 5.7773% | 2,116 |
| Net charge-offs to loans | 0.0839% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 31.5448% | 1,132 |
| Efficiency ratio | 68.1318% | 4,172 |
| Assets per employee ($millions) | 3.8922% | 4,081 |
| Cash dividends to net income (ytd only)* | 67.2723% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8544% | 1,911 |
| Loan loss allowance to noncurrent loans | 529.5567% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.9344% | 3,568 |
| Noncurrent loans to loans | 0.3502% | 5,137 |
| Net loans and leases to total assets | 67.4670% | 2,441 |
| Net loans and leases to deposits | 77.6015% | 2,779 |
| Net loans and leases to core deposits | 80.3070% | 3,091 |
| Total domestic deposits to total assets | 86.9403% | 2,756 |
| Equity capital to assets | 9.0394% | 4,985 |
| Core capital (leverage) ratio | 10.4307% | 2,987 |
| Tier 1 risk-based capital ratio | 14.7780% | 3,800 |
| Total risk-based capital ratio | 16.0346% | 3,735 |
| Memoranda: | ||
| Average total assets | $264,167,200 | 2,395 |
| Average earning assets | $239,564,200 | 2,424 |
| Average equity | $23,696,200 | 2,753 |
| Average total loans | $159,695,400 | 2,425 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 4,161 |
| Cost of funding earning assets | 0.3633% | 5,158 |
| Net interest margin | 3.6283% | 3,329 |
| Noninterest income to average assets | 1.8934% | 451 |
| Noninterest expense to average assets | 3.4461% | 1,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7345% | 599 |
| Return on assets (ROA) | 1.7325% | 624 |
| Pretax return on assets | 1.7325% | 1,033 |
| Return on Equity (ROE) | 19.3500% | 347 |
| Retained earnings to average equity (ytd only) | 19.3500% | 88 |
| Net charge-offs to loans | 0.1657% | 2,899 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 17.9021% | 1,707 |
| Efficiency ratio | 66.5188% | 4,394 |
| Assets per employee ($millions) | 3.7231% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9658% | 1,809 |
| Loan loss allowance to noncurrent loans | 435.4883% | 999 |
| Noncurrent assets plus other real estate owned to assets | 1.0748% | 3,510 |
| Noncurrent loans to loans | 0.4514% | 5,068 |
| Net loans and leases to total assets | 62.3635% | 3,292 |
| Net loans and leases to deposits | 70.4250% | 3,725 |
| Net loans and leases to core deposits | 71.9864% | 4,094 |
| Total domestic deposits to total assets | 88.5531% | 1,813 |
| Equity capital to assets | 9.8104% | 4,162 |
| Core capital (leverage) ratio | 11.0043% | 2,474 |
| Tier 1 risk-based capital ratio | 17.0587% | 2,683 |
| Total risk-based capital ratio | 18.3168% | 2,645 |
| Memoranda: | ||
| Average total assets | $266,961,000 | 2,388 |
| Average earning assets | $241,871,750 | 2,427 |
| Average equity | $23,903,000 | 2,769 |
| Average total loans | $156,141,500 | 2,479 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 4,484 |
| Cost of funding earning assets | 0.3861% | 5,070 |
| Net interest margin | 3.5128% | 3,726 |
| Noninterest income to average assets | 2.5667% | 308 |
| Noninterest expense to average assets | 3.5521% | 1,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.1911% | 264 |
| Return on assets (ROA) | 2.1911% | 280 |
| Pretax return on assets | 2.1911% | 423 |
| Return on Equity (ROE) | 25.2208% | 118 |
| Retained earnings to average equity (ytd only) | 25.2208% | 48 |
| Net charge-offs to loans | 0.3158% | 1,924 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 12.1926% | 1,998 |
| Efficiency ratio | 61.8492% | 5,191 |
| Assets per employee ($millions) | 3.8300% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9321% | 2,014 |
| Loan loss allowance to noncurrent loans | 952.5994% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.8912% | 4,004 |
| Noncurrent loans to loans | 0.2028% | 5,801 |
| Net loans and leases to total assets | 60.7100% | 3,535 |
| Net loans and leases to deposits | 68.1203% | 3,995 |
| Net loans and leases to core deposits | 69.9406% | 4,284 |
| Total domestic deposits to total assets | 89.1218% | 1,556 |
| Equity capital to assets | 9.3228% | 4,829 |
| Core capital (leverage) ratio | 10.5457% | 2,824 |
| Tier 1 risk-based capital ratio | 17.0558% | 2,690 |
| Total risk-based capital ratio | 18.3133% | 2,662 |
| Memoranda: | ||
| Average total assets | $271,558,330 | 2,355 |
| Average earning assets | $245,560,670 | 2,392 |
| Average equity | $23,591,670 | 2,809 |
| Average total loans | $154,505,000 | 2,513 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 4,640 |
| Cost of funding earning assets | 0.3891% | 5,210 |
| Net interest margin | 3.4645% | 3,838 |
| Noninterest income to average assets | 0.8126% | 2,079 |
| Noninterest expense to average assets | 3.4974% | 1,626 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4258% | 5,023 |
| Return on assets (ROA) | 0.4258% | 5,176 |
| Pretax return on assets | 0.4258% | 5,483 |
| Return on Equity (ROE) | 5.0758% | 4,530 |
| Retained earnings to average equity (ytd only) | 5.0758% | 3,190 |
| Net charge-offs to loans | 0.5425% | 1,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.4390% | 3,350 |
| Efficiency ratio | 89.1464% | 1,217 |
| Assets per employee ($millions) | 3.6887% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0430% | 1,932 |
| Loan loss allowance to noncurrent loans | 687.1460% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 4,133 |
| Noncurrent loans to loans | 0.2973% | 5,658 |
| Net loans and leases to total assets | 55.4015% | 4,182 |
| Net loans and leases to deposits | 61.5201% | 4,611 |
| Net loans and leases to core deposits | 63.9554% | 4,743 |
| Total domestic deposits to total assets | 90.0543% | 1,015 |
| Equity capital to assets | 8.5521% | 5,967 |
| Core capital (leverage) ratio | 9.2287% | 4,515 |
| Tier 1 risk-based capital ratio | 15.5780% | 3,483 |
| Total risk-based capital ratio | 16.8364% | 3,443 |
| Memoranda: | ||
| Average total assets | $277,118,500 | 2,333 |
| Average earning assets | $248,807,000 | 2,387 |
| Average equity | $23,247,500 | 2,892 |
| Average total loans | $151,144,000 | 2,569 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2723% | 4,312 |
| Cost of funding earning assets | 0.5147% | 5,118 |
| Net interest margin | 3.7576% | 3,403 |
| Noninterest income to average assets | 0.6439% | 3,027 |
| Noninterest expense to average assets | 3.2075% | 2,582 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8067% | 3,252 |
| Return on assets (ROA) | 0.8041% | 3,521 |
| Pretax return on assets | 0.8041% | 4,278 |
| Return on Equity (ROE) | 9.7741% | 2,275 |
| Retained earnings to average equity (ytd only) | 9.7741% | 640 |
| Net charge-offs to loans | 0.2254% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 6.7209% | 2,761 |
| Efficiency ratio | 79.9046% | 2,161 |
| Assets per employee ($millions) | 3.9616% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2717% | 1,413 |
| Loan loss allowance to noncurrent loans | 467.9666% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.9681% | 4,088 |
| Noncurrent loans to loans | 0.4854% | 5,314 |
| Net loans and leases to total assets | 51.3906% | 4,988 |
| Net loans and leases to deposits | 56.9822% | 5,336 |
| Net loans and leases to core deposits | 59.3511% | 5,421 |
| Total domestic deposits to total assets | 90.1872% | 851 |
| Equity capital to assets | 8.2307% | 6,257 |
| Core capital (leverage) ratio | 9.0693% | 4,785 |
| Tier 1 risk-based capital ratio | 16.2933% | 2,998 |
| Total risk-based capital ratio | 17.5612% | 2,947 |
| Memoranda: | ||
| Average total assets | $271,615,000 | 2,332 |
| Average earning assets | $243,614,000 | 2,381 |
| Average equity | $22,344,800 | 2,933 |
| Average total loans | $144,606,200 | 2,657 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 4,235 |
| Cost of funding earning assets | 0.5388% | 5,171 |
| Net interest margin | 3.8144% | 3,272 |
| Noninterest income to average assets | 0.5929% | 3,329 |
| Noninterest expense to average assets | 3.1213% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8935% | 3,012 |
| Return on assets (ROA) | 0.8900% | 3,270 |
| Pretax return on assets | 0.8900% | 4,153 |
| Return on Equity (ROE) | 10.8202% | 2,018 |
| Retained earnings to average equity (ytd only) | 10.8202% | 714 |
| Net charge-offs to loans | 0.3515% | 2,698 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 4.7599% | 3,211 |
| Efficiency ratio | 77.7449% | 2,427 |
| Assets per employee ($millions) | 3.8641% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2016% | 1,701 |
| Loan loss allowance to noncurrent loans | 472.2857% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 4,292 |
| Noncurrent loans to loans | 0.4662% | 5,519 |
| Net loans and leases to total assets | 52.7849% | 4,943 |
| Net loans and leases to deposits | 58.5926% | 5,367 |
| Net loans and leases to core deposits | 60.4305% | 5,510 |
| Total domestic deposits to total assets | 90.0880% | 801 |
| Equity capital to assets | 8.2737% | 6,441 |
| Core capital (leverage) ratio | 9.1830% | 4,791 |
| Tier 1 risk-based capital ratio | 15.8736% | 3,337 |
| Total risk-based capital ratio | 17.1347% | 3,299 |
| Memoranda: | ||
| Average total assets | $269,200,000 | 2,373 |
| Average earning assets | $241,502,500 | 2,430 |
| Average equity | $22,143,250 | 2,982 |
| Average total loans | $143,780,500 | 2,700 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 4,598 |
| Cost of funding earning assets | 0.5651% | 5,184 |
| Net interest margin | 3.7286% | 3,690 |
| Noninterest income to average assets | 0.6739% | 2,810 |
| Noninterest expense to average assets | 3.4403% | 1,935 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5800% | 4,452 |
| Return on assets (ROA) | 0.5748% | 4,749 |
| Pretax return on assets | 0.5748% | 5,230 |
| Return on Equity (ROE) | 7.0019% | 3,781 |
| Retained earnings to average equity (ytd only) | 7.0019% | 2,104 |
| Net charge-offs to loans | 0.5930% | 1,833 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.8381% | 4,057 |
| Efficiency ratio | 85.5728% | 1,473 |
| Assets per employee ($millions) | 3.9594% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2344% | 1,698 |
| Loan loss allowance to noncurrent loans | 463.9205% | 779 |
| Noncurrent assets plus other real estate owned to assets | 1.1432% | 4,106 |
| Noncurrent loans to loans | 0.4816% | 5,560 |
| Net loans and leases to total assets | 53.0770% | 4,950 |
| Net loans and leases to deposits | 58.7803% | 5,372 |
| Net loans and leases to core deposits | 60.8039% | 5,510 |
| Total domestic deposits to total assets | 90.2972% | 765 |
| Equity capital to assets | 7.9843% | 6,576 |
| Core capital (leverage) ratio | 9.0352% | 4,860 |
| Tier 1 risk-based capital ratio | 15.5973% | 3,387 |
| Total risk-based capital ratio | 16.8582% | 3,344 |
| Memoranda: | ||
| Average total assets | $266,194,000 | 2,403 |
| Average earning assets | $238,908,330 | 2,440 |
| Average equity | $21,851,330 | 2,999 |
| Average total loans | $141,653,000 | 2,750 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3485% | 4,527 |
| Cost of funding earning assets | 0.5926% | 5,189 |
| Net interest margin | 3.7559% | 3,579 |
| Noninterest income to average assets | 0.4821% | 4,046 |
| Noninterest expense to average assets | 3.3113% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5426% | 4,633 |
| Return on assets (ROA) | 0.5531% | 4,787 |
| Pretax return on assets | 0.5531% | 5,265 |
| Return on Equity (ROE) | 6.6459% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.6459% | 2,609 |
| Net charge-offs to loans | 1.3975% | 717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.7372% | 3,965 |
| Efficiency ratio | 85.9216% | 1,492 |
| Assets per employee ($millions) | 3.4780% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2855% | 1,699 |
| Loan loss allowance to noncurrent loans | 656.8789% | 546 |
| Noncurrent assets plus other real estate owned to assets | 1.3002% | 3,962 |
| Noncurrent loans to loans | 0.3479% | 5,977 |
| Net loans and leases to total assets | 51.0702% | 5,140 |
| Net loans and leases to deposits | 56.6162% | 5,538 |
| Net loans and leases to core deposits | 58.5774% | 5,667 |
| Total domestic deposits to total assets | 90.2042% | 970 |
| Equity capital to assets | 8.1234% | 6,437 |
| Core capital (leverage) ratio | 8.9370% | 4,932 |
| Tier 1 risk-based capital ratio | 15.7981% | 3,286 |
| Total risk-based capital ratio | 17.0598% | 3,245 |
| Memoranda: | ||
| Average total assets | $264,670,500 | 2,432 |
| Average earning assets | $237,601,000 | 2,471 |
| Average equity | $22,028,500 | 2,976 |
| Average total loans | $139,394,000 | 2,793 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7675% | 3,952 |
| Cost of funding earning assets | 0.7768% | 5,024 |
| Net interest margin | 3.9907% | 2,932 |
| Noninterest income to average assets | 0.5818% | 3,285 |
| Noninterest expense to average assets | 3.6102% | 1,722 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5067% | 4,398 |
| Return on assets (ROA) | 0.5478% | 4,430 |
| Pretax return on assets | 0.5478% | 4,847 |
| Return on Equity (ROE) | 7.0780% | 3,366 |
| Retained earnings to average equity (ytd only) | 7.0780% | 1,462 |
| Net charge-offs to loans | 0.7895% | 2,180 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.2056% | 4,879 |
| Efficiency ratio | 87.6924% | 1,381 |
| Assets per employee ($millions) | 3.6836% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6553% | 1,127 |
| Loan loss allowance to noncurrent loans | 224.0729% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 1.6610% | 3,460 |
| Noncurrent loans to loans | 1.1850% | 4,390 |
| Net loans and leases to total assets | 51.6696% | 5,367 |
| Net loans and leases to deposits | 57.5512% | 5,749 |
| Net loans and leases to core deposits | 59.7772% | 5,870 |
| Total domestic deposits to total assets | 89.7803% | 1,114 |
| Equity capital to assets | 8.5274% | 6,111 |
| Core capital (leverage) ratio | 8.6671% | 5,299 |
| Tier 1 risk-based capital ratio | 15.9643% | 3,067 |
| Total risk-based capital ratio | 17.2303% | 3,016 |
| Memoranda: | ||
| Average total assets | $265,051,200 | 2,378 |
| Average earning assets | $234,798,400 | 2,449 |
| Average equity | $20,514,400 | 3,065 |
| Average total loans | $141,097,800 | 2,769 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 4,158 |
| Cost of funding earning assets | 0.8188% | 5,018 |
| Net interest margin | 3.9488% | 3,159 |
| Noninterest income to average assets | 0.5961% | 3,191 |
| Noninterest expense to average assets | 3.6480% | 1,605 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4347% | 4,838 |
| Return on assets (ROA) | 0.4793% | 4,835 |
| Pretax return on assets | 0.4793% | 5,226 |
| Return on Equity (ROE) | 6.3517% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.3517% | 2,326 |
| Net charge-offs to loans | 0.8781% | 1,817 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.9293% | 4,929 |
| Efficiency ratio | 89.3528% | 1,209 |
| Assets per employee ($millions) | 3.5593% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8454% | 986 |
| Loan loss allowance to noncurrent loans | 197.8005% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 2.8088% | 2,314 |
| Noncurrent loans to loans | 1.4385% | 4,134 |
| Net loans and leases to total assets | 49.4613% | 5,776 |
| Net loans and leases to deposits | 54.5310% | 6,160 |
| Net loans and leases to core deposits | 56.7187% | 6,252 |
| Total domestic deposits to total assets | 90.7031% | 552 |
| Equity capital to assets | 7.9705% | 6,711 |
| Core capital (leverage) ratio | 8.4678% | 5,751 |
| Tier 1 risk-based capital ratio | 15.7082% | 3,272 |
| Total risk-based capital ratio | 16.9744% | 3,227 |
| Memoranda: | ||
| Average total assets | $265,930,750 | 2,381 |
| Average earning assets | $234,802,250 | 2,467 |
| Average equity | $20,067,500 | 3,133 |
| Average total loans | $141,667,500 | 2,782 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8614% | 3,805 |
| Cost of funding earning assets | 0.8619% | 4,971 |
| Net interest margin | 3.9995% | 2,838 |
| Noninterest income to average assets | 0.6973% | 2,570 |
| Noninterest expense to average assets | 3.7539% | 1,441 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4691% | 4,648 |
| Return on assets (ROA) | 0.5362% | 4,489 |
| Pretax return on assets | 0.5362% | 4,948 |
| Return on Equity (ROE) | 7.2415% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.2415% | 1,767 |
| Net charge-offs to loans | 1.2842% | 1,207 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.6757% | 4,786 |
| Efficiency ratio | 88.8909% | 1,334 |
| Assets per employee ($millions) | 3.4812% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8582% | 1,025 |
| Loan loss allowance to noncurrent loans | 158.0921% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 3.3758% | 1,954 |
| Noncurrent loans to loans | 1.8079% | 3,743 |
| Net loans and leases to total assets | 50.4811% | 5,757 |
| Net loans and leases to deposits | 56.9428% | 6,056 |
| Net loans and leases to core deposits | 59.5950% | 6,125 |
| Total domestic deposits to total assets | 88.6523% | 1,747 |
| Equity capital to assets | 7.9439% | 6,719 |
| Core capital (leverage) ratio | 8.4013% | 5,708 |
| Tier 1 risk-based capital ratio | 15.5693% | 3,205 |
| Total risk-based capital ratio | 16.8376% | 3,149 |
| Memoranda: | ||
| Average total assets | $265,591,670 | 2,400 |
| Average earning assets | $234,130,670 | 2,486 |
| Average equity | $19,664,330 | 3,179 |
| Average total loans | $143,589,000 | 2,781 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7250% | 4,393 |
| Cost of funding earning assets | 0.8904% | 4,990 |
| Net interest margin | 3.8347% | 3,444 |
| Noninterest income to average assets | 0.7870% | 2,083 |
| Noninterest expense to average assets | 3.7739% | 1,381 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4092% | 4,906 |
| Return on assets (ROA) | 0.5227% | 4,476 |
| Pretax return on assets | 0.5227% | 4,949 |
| Return on Equity (ROE) | 7.3199% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.3199% | 2,016 |
| Net charge-offs to loans | 2.4318% | 482 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.3055% | 4,387 |
| Efficiency ratio | 90.2178% | 1,316 |
| Assets per employee ($millions) | 3.4938% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7541% | 1,151 |
| Loan loss allowance to noncurrent loans | 96.8967% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 3.9096% | 1,707 |
| Noncurrent loans to loans | 2.8423% | 2,657 |
| Net loans and leases to total assets | 51.9015% | 5,596 |
| Net loans and leases to deposits | 58.0153% | 5,922 |
| Net loans and leases to core deposits | 61.0008% | 6,015 |
| Total domestic deposits to total assets | 89.4618% | 1,502 |
| Equity capital to assets | 7.2881% | 6,976 |
| Core capital (leverage) ratio | 8.1733% | 6,007 |
| Tier 1 risk-based capital ratio | 14.7757% | 3,558 |
| Total risk-based capital ratio | 16.0428% | 3,517 |
| Memoranda: | ||
| Average total assets | $267,841,500 | 2,405 |
| Average earning assets | $237,204,500 | 2,471 |
| Average equity | $19,126,000 | 3,239 |
| Average total loans | $147,543,500 | 2,748 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0026% | 4,546 |
| Cost of funding earning assets | 1.2083% | 4,510 |
| Net interest margin | 3.7942% | 3,976 |
| Noninterest income to average assets | 0.5511% | 3,815 |
| Noninterest expense to average assets | 3.9797% | 1,190 |
| Loan and lease loss provision to assets | 0.8950% | 1,826 |
| Net operating income to assets | -0.9824% | 6,671 |
| Return on assets (ROA) | -0.5487% | 6,447 |
| Pretax return on assets | -0.5487% | 6,354 |
| Return on Equity (ROE) | -7.6083% | 6,595 |
| Retained earnings to average equity (ytd only) | -7.6083% | 6,503 |
| Net charge-offs to loans | 2.0970% | 951 |
| Credit loss provision to net charge-offs | 69.6118% | 5,874 |
| Earnings coverage of net charge-offs (x) | -0.0680% | 6,189 |
| Efficiency ratio | 102.2464% | 717 |
| Assets per employee ($millions) | 3.4197% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1297% | 780 |
| Loan loss allowance to noncurrent loans | 45.9726% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 5.6283% | 1,090 |
| Noncurrent loans to loans | 6.8077% | 846 |
| Net loans and leases to total assets | 54.9947% | 5,488 |
| Net loans and leases to deposits | 60.9050% | 5,962 |
| Net loans and leases to core deposits | 64.2786% | 6,028 |
| Total domestic deposits to total assets | 90.2959% | 935 |
| Equity capital to assets | 6.9960% | 7,113 |
| Core capital (leverage) ratio | 7.8978% | 6,319 |
| Tier 1 risk-based capital ratio | 13.5691% | 4,153 |
| Total risk-based capital ratio | 14.8413% | 4,105 |
| Memoranda: | ||
| Average total assets | $290,498,800 | 2,210 |
| Average earning assets | $255,809,200 | 2,290 |
| Average equity | $20,950,800 | 3,015 |
| Average total loans | $178,113,000 | 2,377 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 4,359 |
| Cost of funding earning assets | 1.2718% | 4,424 |
| Net interest margin | 3.8217% | 3,874 |
| Noninterest income to average assets | 0.5810% | 3,574 |
| Noninterest expense to average assets | 3.9392% | 1,136 |
| Loan and lease loss provision to assets | 1.0826% | 1,347 |
| Net operating income to assets | -1.0835% | 6,939 |
| Return on assets (ROA) | -0.5526% | 6,687 |
| Pretax return on assets | -0.5526% | 6,587 |
| Return on Equity (ROE) | -7.6096% | 6,816 |
| Retained earnings to average equity (ytd only) | -7.6096% | 6,745 |
| Net charge-offs to loans | 2.6985% | 601 |
| Credit loss provision to net charge-offs | 64.3432% | 5,582 |
| Earnings coverage of net charge-offs (x) | -0.0005% | 6,031 |
| Efficiency ratio | 100.0229% | 740 |
| Assets per employee ($millions) | 3.3911% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9032% | 899 |
| Loan loss allowance to noncurrent loans | 58.1754% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 6.2215% | 942 |
| Noncurrent loans to loans | 4.9904% | 1,386 |
| Net loans and leases to total assets | 56.7594% | 5,450 |
| Net loans and leases to deposits | 63.2872% | 5,997 |
| Net loans and leases to core deposits | 66.7558% | 6,063 |
| Total domestic deposits to total assets | 89.6855% | 1,024 |
| Equity capital to assets | 7.4851% | 7,136 |
| Core capital (leverage) ratio | 7.6353% | 6,735 |
| Tier 1 risk-based capital ratio | 12.9874% | 4,586 |
| Total risk-based capital ratio | 14.2559% | 4,549 |
| Memoranda: | ||
| Average total assets | $295,584,750 | 2,212 |
| Average earning assets | $259,667,500 | 2,292 |
| Average equity | $21,463,500 | 2,985 |
| Average total loans | $184,298,500 | 2,335 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0746% | 4,589 |
| Cost of funding earning assets | 1.3130% | 4,458 |
| Net interest margin | 3.7616% | 4,084 |
| Noninterest income to average assets | 0.8417% | 1,917 |
| Noninterest expense to average assets | 4.0944% | 928 |
| Loan and lease loss provision to assets | 1.2355% | 1,135 |
| Net operating income to assets | -1.1789% | 7,020 |
| Return on assets (ROA) | -1.1255% | 7,013 |
| Pretax return on assets | -1.1255% | 6,942 |
| Return on Equity (ROE) | -15.6435% | 7,161 |
| Retained earnings to average equity (ytd only) | -15.6435% | 7,123 |
| Net charge-offs to loans | 2.8019% | 584 |
| Credit loss provision to net charge-offs | 69.4301% | 4,984 |
| Earnings coverage of net charge-offs (x) | 0.0318% | 5,684 |
| Efficiency ratio | 98.6356% | 855 |
| Assets per employee ($millions) | 3.3776% | 5,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9295% | 882 |
| Loan loss allowance to noncurrent loans | 29.0169% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 9.0341% | 491 |
| Noncurrent loans to loans | 10.0957% | 441 |
| Net loans and leases to total assets | 56.9566% | 5,567 |
| Net loans and leases to deposits | 63.6510% | 6,066 |
| Net loans and leases to core deposits | 72.0769% | 5,659 |
| Total domestic deposits to total assets | 89.4826% | 1,188 |
| Equity capital to assets | 7.1201% | 7,303 |
| Core capital (leverage) ratio | 7.1436% | 7,101 |
| Tier 1 risk-based capital ratio | 11.2907% | 5,947 |
| Total risk-based capital ratio | 12.5586% | 5,920 |
| Memoranda: | ||
| Average total assets | $303,684,000 | 2,180 |
| Average earning assets | $267,173,000 | 2,251 |
| Average equity | $21,849,330 | 2,934 |
| Average total loans | $192,869,670 | 2,286 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2588% | 3,739 |
| Cost of funding earning assets | 1.3525% | 4,473 |
| Net interest margin | 3.9063% | 3,298 |
| Noninterest income to average assets | 0.3389% | 5,429 |
| Noninterest expense to average assets | 4.3557% | 675 |
| Loan and lease loss provision to assets | 0.3258% | 3,451 |
| Net operating income to assets | -0.9058% | 7,064 |
| Return on assets (ROA) | -0.8628% | 7,074 |
| Pretax return on assets | -0.8628% | 6,988 |
| Return on Equity (ROE) | -11.9320% | 7,210 |
| Retained earnings to average equity (ytd only) | -11.9320% | 7,062 |
| Net charge-offs to loans | 3.5071% | 401 |
| Credit loss provision to net charge-offs | 14.1084% | 5,008 |
| Earnings coverage of net charge-offs (x) | -0.2511% | 5,182 |
| Efficiency ratio | 115.3607% | 507 |
| Assets per employee ($millions) | 2.9093% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2699% | 1,626 |
| Loan loss allowance to noncurrent loans | 25.6719% | 6,697 |
| Noncurrent assets plus other real estate owned to assets | 9.1855% | 476 |
| Noncurrent loans to loans | 8.8420% | 561 |
| Net loans and leases to total assets | 63.4060% | 4,447 |
| Net loans and leases to deposits | 73.9251% | 4,755 |
| Net loans and leases to core deposits | 84.5692% | 4,124 |
| Total domestic deposits to total assets | 85.7707% | 3,275 |
| Equity capital to assets | 7.3554% | 7,178 |
| Core capital (leverage) ratio | 7.3362% | 6,996 |
| Tier 1 risk-based capital ratio | 10.5375% | 6,601 |
| Total risk-based capital ratio | 11.7976% | 6,577 |
| Memoranda: | ||
| Average total assets | $306,911,000 | 2,211 |
| Average earning assets | $270,022,500 | 2,284 |
| Average equity | $22,192,500 | 2,917 |
| Average total loans | $202,104,000 | 2,255 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7679% | 2,788 |
| Cost of funding earning assets | 1.5239% | 5,410 |
| Net interest margin | 4.2440% | 1,919 |
| Noninterest income to average assets | 0.4081% | 5,136 |
| Noninterest expense to average assets | 3.7721% | 1,748 |
| Loan and lease loss provision to assets | 2.9052% | 619 |
| Net operating income to assets | -2.4699% | 7,259 |
| Return on assets (ROA) | -2.3685% | 7,225 |
| Pretax return on assets | -2.3685% | 7,095 |
| Return on Equity (ROE) | -31.2450% | 7,427 |
| Retained earnings to average equity (ytd only) | -32.8729% | 7,435 |
| Net charge-offs to loans | 2.5250% | 914 |
| Credit loss provision to net charge-offs | 161.2854% | 2,753 |
| Earnings coverage of net charge-offs (x) | 0.2416% | 5,884 |
| Efficiency ratio | 89.6544% | 1,735 |
| Assets per employee ($millions) | 3.0208% | 6,168 |
| Cash dividends to net income (ytd only)* | -5.2102% | 7,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8290% | 905 |
| Loan loss allowance to noncurrent loans | 25.4524% | 6,767 |
| Noncurrent assets plus other real estate owned to assets | 9.5994% | 403 |
| Noncurrent loans to loans | 11.1147% | 339 |
| Net loans and leases to total assets | 64.8893% | 4,391 |
| Net loans and leases to deposits | 76.2336% | 4,700 |
| Net loans and leases to core deposits | 103.1044% | 3,676 |
| Total domestic deposits to total assets | 85.1190% | 3,500 |
| Equity capital to assets | 7.1122% | 7,320 |
| Core capital (leverage) ratio | 7.1289% | 7,132 |
| Tier 1 risk-based capital ratio | 10.3279% | 6,559 |
| Total risk-based capital ratio | 11.5914% | 6,522 |
| Memoranda: | ||
| Average total assets | $327,379,200 | 2,070 |
| Average earning assets | $293,070,400 | 2,110 |
| Average equity | $24,816,800 | 2,626 |
| Average total loans | $233,548,800 | 2,005 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9046% | 2,430 |
| Cost of funding earning assets | 1.5333% | 5,698 |
| Net interest margin | 4.3713% | 1,524 |
| Noninterest income to average assets | 0.4439% | 4,943 |
| Noninterest expense to average assets | 3.6655% | 1,901 |
| Loan and lease loss provision to assets | 3.0885% | 466 |
| Net operating income to assets | -2.3869% | 7,442 |
| Return on assets (ROA) | -2.2861% | 7,395 |
| Pretax return on assets | -2.2861% | 7,279 |
| Return on Equity (ROE) | -29.7221% | 7,601 |
| Retained earnings to average equity (ytd only) | -31.8398% | 7,626 |
| Net charge-offs to loans | 1.9497% | 1,020 |
| Credit loss provision to net charge-offs | 218.7322% | 2,006 |
| Earnings coverage of net charge-offs (x) | 0.4969% | 5,533 |
| Efficiency ratio | 83.9350% | 2,305 |
| Assets per employee ($millions) | 3.0926% | 5,928 |
| Cash dividends to net income (ytd only)* | -7.1252% | 7,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8433% | 757 |
| Loan loss allowance to noncurrent loans | 25.1017% | 6,779 |
| Noncurrent assets plus other real estate owned to assets | 9.4196% | 389 |
| Noncurrent loans to loans | 11.3271% | 309 |
| Net loans and leases to total assets | 68.8342% | 3,761 |
| Net loans and leases to deposits | 82.6977% | 3,891 |
| Net loans and leases to core deposits | 112.2656% | 2,995 |
| Total domestic deposits to total assets | 83.2359% | 4,095 |
| Equity capital to assets | 7.6234% | 7,210 |
| Core capital (leverage) ratio | 7.6793% | 6,757 |
| Tier 1 risk-based capital ratio | 10.2574% | 6,728 |
| Total risk-based capital ratio | 11.5238% | 6,657 |
| Memoranda: | ||
| Average total assets | $330,682,500 | 2,068 |
| Average earning assets | $296,775,750 | 2,112 |
| Average equity | $25,435,000 | 2,592 |
| Average total loans | $239,487,250 | 1,982 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0796% | 1,855 |
| Cost of funding earning assets | 1.5603% | 5,882 |
| Net interest margin | 4.5192% | 1,123 |
| Noninterest income to average assets | 0.5538% | 4,008 |
| Noninterest expense to average assets | 3.7716% | 1,698 |
| Loan and lease loss provision to assets | 4.2164% | 279 |
| Net operating income to assets | -3.3827% | 7,744 |
| Return on assets (ROA) | -3.3629% | 7,742 |
| Pretax return on assets | -3.3629% | 7,650 |
| Return on Equity (ROE) | -43.5970% | 7,871 |
| Retained earnings to average equity (ytd only) | -46.7360% | 7,887 |
| Net charge-offs to loans | 2.0258% | 913 |
| Credit loss provision to net charge-offs | 285.3955% | 1,639 |
| Earnings coverage of net charge-offs (x) | 0.5643% | 5,148 |
| Efficiency ratio | 81.8974% | 2,735 |
| Assets per employee ($millions) | 2.9526% | 6,258 |
| Cash dividends to net income (ytd only)* | -7.2001% | 7,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8789% | 628 |
| Loan loss allowance to noncurrent loans | 42.2036% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 6.9705% | 611 |
| Noncurrent loans to loans | 6.8216% | 735 |
| Net loans and leases to total assets | 71.5760% | 3,326 |
| Net loans and leases to deposits | 86.2785% | 3,498 |
| Net loans and leases to core deposits | 113.6607% | 2,950 |
| Total domestic deposits to total assets | 82.9592% | 4,254 |
| Equity capital to assets | 7.4261% | 7,331 |
| Core capital (leverage) ratio | 7.4012% | 7,133 |
| Tier 1 risk-based capital ratio | 9.6158% | 7,304 |
| Total risk-based capital ratio | 10.8867% | 7,236 |
| Memoranda: | ||
| Average total assets | $333,700,670 | 2,084 |
| Average earning assets | $299,165,000 | 2,120 |
| Average equity | $25,740,330 | 2,578 |
| Average total loans | $243,360,000 | 1,980 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8438% | 3,071 |
| Cost of funding earning assets | 1.5550% | 6,213 |
| Net interest margin | 4.2888% | 1,634 |
| Noninterest income to average assets | 0.5489% | 3,928 |
| Noninterest expense to average assets | 3.5392% | 2,007 |
| Loan and lease loss provision to assets | 7.7892% | 69 |
| Net operating income to assets | -6.9234% | 8,120 |
| Return on assets (ROA) | -6.9151% | 8,111 |
| Pretax return on assets | -6.9151% | 8,080 |
| Return on Equity (ROE) | -88.0720% | 8,137 |
| Retained earnings to average equity (ytd only) | -90.8591% | 8,134 |
| Net charge-offs to loans | 0.7956% | 1,622 |
| Credit loss provision to net charge-offs | 1,349.3852% | 468 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 3,981 |
| Efficiency ratio | 80.3437% | 2,769 |
| Assets per employee ($millions) | 3.0241% | 6,087 |
| Cash dividends to net income (ytd only)* | -3.1646% | 8,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4439% | 334 |
| Loan loss allowance to noncurrent loans | 44.9152% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 7.4524% | 429 |
| Noncurrent loans to loans | 7.6676% | 487 |
| Net loans and leases to total assets | 69.6824% | 3,753 |
| Net loans and leases to deposits | 85.9032% | 3,647 |
| Net loans and leases to core deposits | 111.8884% | 3,232 |
| Total domestic deposits to total assets | 81.1174% | 4,917 |
| Equity capital to assets | 7.2513% | 7,525 |
| Core capital (leverage) ratio | 7.4087% | 7,267 |
| Tier 1 risk-based capital ratio | 9.5440% | 7,393 |
| Total risk-based capital ratio | 10.8218% | 7,302 |
| Memoranda: | ||
| Average total assets | $338,158,500 | 2,059 |
| Average earning assets | $304,050,500 | 2,100 |
| Average equity | $26,551,000 | 2,523 |
| Average total loans | $245,360,500 | 1,989 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7161% | 1,972 |
| Cost of funding earning assets | 2.1742% | 5,707 |
| Net interest margin | 4.5419% | 1,329 |
| Noninterest income to average assets | 0.5733% | 4,063 |
| Noninterest expense to average assets | 3.5502% | 2,268 |
| Loan and lease loss provision to assets | 0.2958% | 4,017 |
| Net operating income to assets | 0.8389% | 3,273 |
| Return on assets (ROA) | 0.8652% | 2,999 |
| Pretax return on assets | 0.8652% | 3,837 |
| Return on Equity (ROE) | 10.0744% | 2,233 |
| Retained earnings to average equity (ytd only) | 2.2229% | 3,831 |
| Net charge-offs to loans | 0.2729% | 3,584 |
| Credit loss provision to net charge-offs | 152.5424% | 3,433 |
| Earnings coverage of net charge-offs (x) | 5.8521% | 3,511 |
| Efficiency ratio | 75.7796% | 3,270 |
| Assets per employee ($millions) | 2.9878% | 6,085 |
| Cash dividends to net income (ytd only)* | 77.9351% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 6,436 |
| Loan loss allowance to noncurrent loans | 163.9124% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 2.2431% | 2,172 |
| Noncurrent loans to loans | 0.5749% | 5,645 |
| Net loans and leases to total assets | 72.2616% | 3,527 |
| Net loans and leases to deposits | 90.8075% | 3,316 |
| Net loans and leases to core deposits | 117.1115% | 2,994 |
| Total domestic deposits to total assets | 79.5767% | 5,171 |
| Equity capital to assets | 8.4539% | 6,167 |
| Core capital (leverage) ratio | 9.1703% | 4,485 |
| Tier 1 risk-based capital ratio | 11.4043% | 5,328 |
| Total risk-based capital ratio | 12.2580% | 5,619 |
| Memoranda: | ||
| Average total assets | $334,718,200 | 1,998 |
| Average earning assets | $303,003,800 | 2,017 |
| Average equity | $28,746,200 | 2,356 |
| Average total loans | $237,822,200 | 1,988 |