Home > The Citizens Bank of Philadelphia, Mississippi > Performance and Condition Ratios
The Citizens Bank of Philadelphia, Mississippi, 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 | 4.0642% | 3,864 |
| Cost of funding earning assets | 1.4704% | 2,021 |
| Net interest margin | 2.5939% | 3,971 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.6582% | 1,852 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.3761% | 3,916 |
| Return on assets (ROA) | 0.2435% | 4,116 |
| Pretax return on assets | 0.2712% | 4,121 |
| Return on Equity (ROE) | 5.7600% | 3,575 |
| Retained earnings to average equity (ytd only) | -3.7165% | 4,361 |
| Net charge-offs to loans | -0.0318% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.7640% | 626 |
| Assets per employee ($millions) | 5.3227% | 3,374 |
| Cash dividends to net income (ytd only)* | 164.4668% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 3,207 |
| Loan loss allowance to noncurrent loans | 252.7392% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 1,867 |
| Noncurrent loans to loans | 0.4037% | 1,776 |
| Net loans and leases to total assets | 45.2200% | 3,852 |
| Net loans and leases to deposits | 54.2998% | 3,779 |
| Net loans and leases to core deposits | 58.4272% | 3,822 |
| Total domestic deposits to total assets | 83.2800% | 2,813 |
| Equity capital to assets | 4.2742% | 4,485 |
| Core capital (leverage) ratio | 8.6411% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5488% | 1,667 |
| Memoranda: | ||
| Average total assets | $1,343,987,200 | 777 |
| Average earning assets | $1,217,718,800 | 785 |
| Average equity | $56,774,600 | 1,452 |
| Average total loans | $591,366,000 | 1,102 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8854% | 4,021 |
| Cost of funding earning assets | 1.2636% | 2,242 |
| Net interest margin | 2.6218% | 3,998 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 2.6566% | 1,780 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.3713% | 4,005 |
| Return on assets (ROA) | 0.3701% | 4,009 |
| Pretax return on assets | 0.4347% | 4,012 |
| Return on Equity (ROE) | 8.7900% | 2,986 |
| Retained earnings to average equity (ytd only) | -1.1176% | 4,263 |
| Net charge-offs to loans | -0.0378% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.0992% | 610 |
| Assets per employee ($millions) | 5.3539% | 3,297 |
| Cash dividends to net income (ytd only)* | 112.7169% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 2,919 |
| Loan loss allowance to noncurrent loans | 211.6595% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 1,875 |
| Noncurrent loans to loans | 0.5141% | 1,535 |
| Net loans and leases to total assets | 41.1000% | 4,018 |
| Net loans and leases to deposits | 48.6213% | 3,985 |
| Net loans and leases to core deposits | 52.0043% | 3,983 |
| Total domestic deposits to total assets | 84.5200% | 2,640 |
| Equity capital to assets | 3.6517% | 4,442 |
| Core capital (leverage) ratio | 9.0785% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9484% | 1,335 |
| Memoranda: | ||
| Average total assets | $1,328,683,500 | 788 |
| Average earning assets | $1,201,380,250 | 801 |
| Average equity | $55,953,000 | 1,453 |
| Average total loans | $578,700,750 | 1,112 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7840% | 4,044 |
| Cost of funding earning assets | 1.0923% | 2,299 |
| Net interest margin | 2.6916% | 3,986 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.6916% | 1,660 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.3244% | 4,123 |
| Return on assets (ROA) | 0.3247% | 4,147 |
| Pretax return on assets | 0.3679% | 4,161 |
| Return on Equity (ROE) | 7.3600% | 3,396 |
| Retained earnings to average equity (ytd only) | -2.8607% | 4,337 |
| Net charge-offs to loans | -0.0177% | 4,088 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.7045% | 509 |
| Assets per employee ($millions) | 4.8812% | 3,690 |
| Cash dividends to net income (ytd only)* | 138.8915% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 2,891 |
| Loan loss allowance to noncurrent loans | 202.6933% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 1,625 |
| Noncurrent loans to loans | 0.5491% | 1,358 |
| Net loans and leases to total assets | 44.1000% | 3,871 |
| Net loans and leases to deposits | 51.5208% | 3,858 |
| Net loans and leases to core deposits | 53.8072% | 3,901 |
| Total domestic deposits to total assets | 85.6000% | 2,360 |
| Equity capital to assets | 4.4544% | 4,450 |
| Core capital (leverage) ratio | 9.4695% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3068% | 1,262 |
| Memoranda: | ||
| Average total assets | $1,300,438,000 | 793 |
| Average earning assets | $1,172,895,000 | 802 |
| Average equity | $57,399,333 | 1,431 |
| Average total loans | $575,855,000 | 1,106 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7465% | 3,952 |
| Cost of funding earning assets | 1.0215% | 1,974 |
| Net interest margin | 2.7250% | 4,042 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.6437% | 1,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4482% | 4,007 |
| Return on assets (ROA) | 0.4495% | 3,956 |
| Pretax return on assets | 0.5300% | 3,950 |
| Return on Equity (ROE) | 10.2300% | 2,718 |
| Retained earnings to average equity (ytd only) | -1.4913% | 4,173 |
| Net charge-offs to loans | -0.0493% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.0311% | 643 |
| Assets per employee ($millions) | 4.7219% | 3,867 |
| Cash dividends to net income (ytd only)* | 114.5777% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 3,248 |
| Loan loss allowance to noncurrent loans | 200.8008% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 1,554 |
| Noncurrent loans to loans | 0.5283% | 1,400 |
| Net loans and leases to total assets | 43.5400% | 3,886 |
| Net loans and leases to deposits | 50.2916% | 3,878 |
| Net loans and leases to core deposits | 52.2677% | 3,903 |
| Total domestic deposits to total assets | 86.5700% | 2,421 |
| Equity capital to assets | 4.5322% | 4,488 |
| Core capital (leverage) ratio | 9.2849% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4890% | 1,262 |
| Memoranda: | ||
| Average total assets | $1,306,332,500 | 807 |
| Average earning assets | $1,177,844,500 | 819 |
| Average equity | $57,398,500 | 1,444 |
| Average total loans | $576,415,500 | 1,120 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2660% | 3,674 |
| Cost of funding earning assets | 0.3189% | 2,731 |
| Net interest margin | 2.9472% | 3,576 |
| Noninterest income to average assets | 0.8100% | 982 |
| Noninterest expense to average assets | 2.5225% | 2,041 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8048% | 3,309 |
| Return on assets (ROA) | 0.8014% | 3,246 |
| Pretax return on assets | 0.9682% | 3,163 |
| Return on Equity (ROE) | 15.1200% | 1,228 |
| Retained earnings to average equity (ytd only) | 6.4379% | 2,478 |
| Net charge-offs to loans | -0.1078% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.7499% | 1,471 |
| Assets per employee ($millions) | 4.8841% | 3,760 |
| Cash dividends to net income (ytd only)* | 57.4105% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 3,773 |
| Loan loss allowance to noncurrent loans | 169.8612% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 1,566 |
| Noncurrent loans to loans | 0.5292% | 1,389 |
| Net loans and leases to total assets | 43.8500% | 3,903 |
| Net loans and leases to deposits | 51.4964% | 3,829 |
| Net loans and leases to core deposits | 53.6071% | 3,828 |
| Total domestic deposits to total assets | 85.1400% | 2,958 |
| Equity capital to assets | 4.2591% | 4,491 |
| Core capital (leverage) ratio | 9.2272% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9435% | 1,378 |
| Memoranda: | ||
| Average total assets | $1,331,994,600 | 769 |
| Average earning assets | $1,215,569,800 | 783 |
| Average equity | $70,612,800 | 1,239 |
| Average total loans | $581,767,400 | 1,053 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1354% | 3,590 |
| Cost of funding earning assets | 0.2232% | 3,009 |
| Net interest margin | 2.9121% | 3,458 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 2.5242% | 1,945 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7916% | 3,297 |
| Return on assets (ROA) | 0.7870% | 3,258 |
| Pretax return on assets | 0.9449% | 3,196 |
| Return on Equity (ROE) | 14.1600% | 1,385 |
| Retained earnings to average equity (ytd only) | 6.1135% | 2,715 |
| Net charge-offs to loans | -0.1056% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.2112% | 1,488 |
| Assets per employee ($millions) | 4.8649% | 3,792 |
| Cash dividends to net income (ytd only)* | 56.8127% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 3,929 |
| Loan loss allowance to noncurrent loans | 163.4312% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 1,608 |
| Noncurrent loans to loans | 0.5359% | 1,466 |
| Net loans and leases to total assets | 43.1900% | 3,924 |
| Net loans and leases to deposits | 50.5164% | 3,818 |
| Net loans and leases to core deposits | 52.7958% | 3,818 |
| Total domestic deposits to total assets | 85.4900% | 3,179 |
| Equity capital to assets | 3.7646% | 4,504 |
| Core capital (leverage) ratio | 9.1115% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8429% | 1,474 |
| Memoranda: | ||
| Average total assets | $1,334,096,750 | 779 |
| Average earning assets | $1,221,991,000 | 780 |
| Average equity | $74,172,750 | 1,210 |
| Average total loans | $580,811,500 | 1,053 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0337% | 3,470 |
| Cost of funding earning assets | 0.2000% | 2,911 |
| Net interest margin | 2.8337% | 3,334 |
| Noninterest income to average assets | 0.7929% | 1,063 |
| Noninterest expense to average assets | 2.4581% | 2,061 |
| Loan and lease loss provision to assets | 0.0223% | 2,200 |
| Net operating income to assets | 0.7597% | 3,112 |
| Return on assets (ROA) | 0.7544% | 3,080 |
| Pretax return on assets | 0.9089% | 3,034 |
| Return on Equity (ROE) | 12.2582% | 1,603 |
| Retained earnings to average equity (ytd only) | 5.2559% | 2,609 |
| Net charge-offs to loans | -0.1321% | 4,507 |
| Credit loss provision to net charge-offs | -38.8021% | 3,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1478% | 1,722 |
| Assets per employee ($millions) | 4.7573% | 3,885 |
| Cash dividends to net income (ytd only)* | 57.1230% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 4,077 |
| Loan loss allowance to noncurrent loans | 138.4742% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 1,469 |
| Noncurrent loans to loans | 0.6181% | 1,373 |
| Net loans and leases to total assets | 45.0043% | 3,759 |
| Net loans and leases to deposits | 52.2559% | 3,663 |
| Net loans and leases to core deposits | 54.8479% | 3,648 |
| Total domestic deposits to total assets | 86.1229% | 3,218 |
| Equity capital to assets | 3.3357% | 4,673 |
| Core capital (leverage) ratio | 8.9799% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3919% | 1,601 |
| Memoranda: | ||
| Average total assets | $1,336,088,667 | 769 |
| Average earning assets | $1,227,143,333 | 778 |
| Average equity | $82,230,667 | 1,133 |
| Average total loans | $581,527,000 | 1,046 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8902% | 3,559 |
| Cost of funding earning assets | 0.1966% | 2,847 |
| Net interest margin | 2.6936% | 3,418 |
| Noninterest income to average assets | 0.7479% | 1,176 |
| Noninterest expense to average assets | 2.4140% | 2,112 |
| Loan and lease loss provision to assets | 0.0275% | 1,875 |
| Net operating income to assets | 0.6628% | 3,183 |
| Return on assets (ROA) | 0.6569% | 3,184 |
| Pretax return on assets | 0.7907% | 3,131 |
| Return on Equity (ROE) | 8.7525% | 2,412 |
| Retained earnings to average equity (ytd only) | 3.0368% | 3,246 |
| Net charge-offs to loans | -0.1177% | 4,501 |
| Credit loss provision to net charge-offs | -54.7059% | 2,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2776% | 1,712 |
| Assets per employee ($millions) | 4.9397% | 3,802 |
| Cash dividends to net income (ytd only)* | 65.3034% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8189% | 4,209 |
| Loan loss allowance to noncurrent loans | 134.1196% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 1,636 |
| Noncurrent loans to loans | 0.6106% | 1,532 |
| Net loans and leases to total assets | 42.8922% | 3,825 |
| Net loans and leases to deposits | 50.2861% | 3,712 |
| Net loans and leases to core deposits | 52.7749% | 3,684 |
| Total domestic deposits to total assets | 85.2964% | 3,469 |
| Equity capital to assets | 5.9494% | 4,595 |
| Core capital (leverage) ratio | 8.9742% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4323% | 1,660 |
| Memoranda: | ||
| Average total assets | $1,354,757,000 | 766 |
| Average earning assets | $1,253,066,000 | 774 |
| Average equity | $101,685,000 | 979 |
| Average total loans | $577,520,500 | 1,046 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9407% | 3,979 |
| Cost of funding earning assets | 0.3562% | 1,882 |
| Net interest margin | 2.5845% | 4,069 |
| Noninterest income to average assets | 0.7663% | 1,546 |
| Noninterest expense to average assets | 2.4715% | 2,271 |
| Loan and lease loss provision to assets | 0.0999% | 1,253 |
| Net operating income to assets | 0.4939% | 4,105 |
| Return on assets (ROA) | 0.5741% | 3,974 |
| Pretax return on assets | 0.6908% | 3,944 |
| Return on Equity (ROE) | 6.8028% | 3,565 |
| Retained earnings to average equity (ytd only) | 3.3556% | 3,473 |
| Net charge-offs to loans | 0.2624% | 341 |
| Credit loss provision to net charge-offs | 86.3887% | 1,909 |
| Earnings coverage of net charge-offs (x) | 6.0031% | 2,419 |
| Efficiency ratio | 77.8300% | 964 |
| Assets per employee ($millions) | 5.0221% | 3,711 |
| Cash dividends to net income (ytd only)* | 50.6729% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 4,283 |
| Loan loss allowance to noncurrent loans | 113.3920% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 1,397 |
| Noncurrent loans to loans | 0.6960% | 1,446 |
| Net loans and leases to total assets | 41.6858% | 3,993 |
| Net loans and leases to deposits | 51.0046% | 3,799 |
| Net loans and leases to core deposits | 54.1970% | 3,740 |
| Total domestic deposits to total assets | 81.7295% | 4,004 |
| Equity capital to assets | 9.0479% | 3,575 |
| Core capital (leverage) ratio | 8.9979% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8933% | 1,550 |
| Memoranda: | ||
| Average total assets | $1,410,639,600 | 713 |
| Average earning assets | $1,309,533,800 | 712 |
| Average equity | $119,054,600 | 872 |
| Average total loans | $621,668,800 | 970 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8946% | 4,184 |
| Cost of funding earning assets | 0.3774% | 1,871 |
| Net interest margin | 2.5172% | 4,242 |
| Noninterest income to average assets | 0.7624% | 1,641 |
| Noninterest expense to average assets | 2.4196% | 2,377 |
| Loan and lease loss provision to assets | 0.1205% | 979 |
| Net operating income to assets | 0.4638% | 4,265 |
| Return on assets (ROA) | 0.5702% | 4,108 |
| Pretax return on assets | 0.6854% | 4,090 |
| Return on Equity (ROE) | 6.8747% | 3,698 |
| Retained earnings to average equity (ytd only) | 3.7841% | 3,645 |
| Net charge-offs to loans | 0.1478% | 557 |
| Credit loss provision to net charge-offs | 182.9303% | 1,249 |
| Earnings coverage of net charge-offs (x) | 10.2888% | 2,043 |
| Efficiency ratio | 77.8722% | 886 |
| Assets per employee ($millions) | 5.0030% | 3,693 |
| Cash dividends to net income (ytd only)* | 44.9556% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 4,226 |
| Loan loss allowance to noncurrent loans | 131.3411% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 1,463 |
| Noncurrent loans to loans | 0.6627% | 1,652 |
| Net loans and leases to total assets | 44.6753% | 3,894 |
| Net loans and leases to deposits | 54.3365% | 3,711 |
| Net loans and leases to core deposits | 58.1611% | 3,615 |
| Total domestic deposits to total assets | 82.2197% | 3,883 |
| Equity capital to assets | 9.1816% | 3,669 |
| Core capital (leverage) ratio | 9.0466% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4466% | 1,818 |
| Memoranda: | ||
| Average total assets | $1,423,055,500 | 720 |
| Average earning assets | $1,319,984,250 | 716 |
| Average equity | $118,033,250 | 888 |
| Average total loans | $634,124,250 | 973 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8174% | 4,325 |
| Cost of funding earning assets | 0.4075% | 1,822 |
| Net interest margin | 2.4099% | 4,411 |
| Noninterest income to average assets | 0.7336% | 1,706 |
| Noninterest expense to average assets | 2.3804% | 2,530 |
| Loan and lease loss provision to assets | 0.0441% | 2,134 |
| Net operating income to assets | 0.4534% | 4,296 |
| Return on assets (ROA) | 0.5580% | 4,132 |
| Pretax return on assets | 0.6713% | 4,123 |
| Return on Equity (ROE) | 6.9605% | 3,668 |
| Retained earnings to average equity (ytd only) | 4.5995% | 3,329 |
| Net charge-offs to loans | 0.2188% | 397 |
| Credit loss provision to net charge-offs | 45.4416% | 1,630 |
| Earnings coverage of net charge-offs (x) | 6.0684% | 1,974 |
| Efficiency ratio | 79.8966% | 791 |
| Assets per employee ($millions) | 4.9189% | 3,728 |
| Cash dividends to net income (ytd only)* | 33.9202% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6862% | 4,558 |
| Loan loss allowance to noncurrent loans | 99.5424% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 1,261 |
| Noncurrent loans to loans | 0.6894% | 1,701 |
| Net loans and leases to total assets | 47.0640% | 3,819 |
| Net loans and leases to deposits | 55.8135% | 3,723 |
| Net loans and leases to core deposits | 59.7480% | 3,635 |
| Total domestic deposits to total assets | 84.3236% | 3,337 |
| Equity capital to assets | 9.4598% | 3,372 |
| Core capital (leverage) ratio | 8.2059% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3059% | 1,865 |
| Memoranda: | ||
| Average total assets | $1,445,473,333 | 711 |
| Average earning assets | $1,341,302,667 | 703 |
| Average equity | $115,883,000 | 896 |
| Average total loans | $641,823,333 | 964 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6076% | 4,566 |
| Cost of funding earning assets | 0.4156% | 1,969 |
| Net interest margin | 2.1920% | 4,617 |
| Noninterest income to average assets | 0.7220% | 1,800 |
| Noninterest expense to average assets | 2.2342% | 2,995 |
| Loan and lease loss provision to assets | 0.0232% | 2,479 |
| Net operating income to assets | 0.4099% | 4,345 |
| Return on assets (ROA) | 0.5232% | 4,170 |
| Pretax return on assets | 0.6390% | 4,130 |
| Return on Equity (ROE) | 7.0960% | 3,582 |
| Retained earnings to average equity (ytd only) | 2.1458% | 3,982 |
| Net charge-offs to loans | 0.0310% | 1,177 |
| Credit loss provision to net charge-offs | 174.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 39.2800% | 983 |
| Efficiency ratio | 80.7410% | 775 |
| Assets per employee ($millions) | 5.7124% | 2,895 |
| Cash dividends to net income (ytd only)* | 69.7603% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 4,495 |
| Loan loss allowance to noncurrent loans | 69.7763% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7573% | 1,205 |
| Noncurrent loans to loans | 1.0700% | 1,256 |
| Net loans and leases to total assets | 40.9805% | 4,294 |
| Net loans and leases to deposits | 51.5017% | 4,069 |
| Net loans and leases to core deposits | 54.9435% | 4,054 |
| Total domestic deposits to total assets | 79.5711% | 4,258 |
| Equity capital to assets | 6.7184% | 4,886 |
| Core capital (leverage) ratio | 6.7651% | 4,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2450% | 2,883 |
| Memoranda: | ||
| Average total assets | $1,499,237,500 | 677 |
| Average earning assets | $1,392,698,000 | 676 |
| Average equity | $110,541,000 | 926 |
| Average total loans | $645,714,500 | 955 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3009% | 4,331 |
| Cost of funding earning assets | 0.6046% | 2,269 |
| Net interest margin | 2.6963% | 4,378 |
| Noninterest income to average assets | 0.7249% | 1,767 |
| Noninterest expense to average assets | 2.4784% | 2,912 |
| Loan and lease loss provision to assets | 0.1119% | 2,951 |
| Net operating income to assets | 0.5039% | 4,020 |
| Return on assets (ROA) | 0.5543% | 3,992 |
| Pretax return on assets | 0.6935% | 3,894 |
| Return on Equity (ROE) | 6.3769% | 3,456 |
| Retained earnings to average equity (ytd only) | 1.0918% | 4,194 |
| Net charge-offs to loans | 0.0815% | 1,660 |
| Credit loss provision to net charge-offs | 294.0594% | 1,762 |
| Earnings coverage of net charge-offs (x) | 19.5129% | 1,977 |
| Efficiency ratio | 76.6975% | 1,152 |
| Assets per employee ($millions) | 5.2743% | 3,075 |
| Cash dividends to net income (ytd only)* | 82.8781% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7259% | 4,548 |
| Loan loss allowance to noncurrent loans | 55.1929% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.8034% | 1,274 |
| Noncurrent loans to loans | 1.3153% | 1,034 |
| Net loans and leases to total assets | 44.6437% | 4,215 |
| Net loans and leases to deposits | 59.0058% | 3,825 |
| Net loans and leases to core deposits | 62.8787% | 3,777 |
| Total domestic deposits to total assets | 75.6599% | 4,530 |
| Equity capital to assets | 8.0720% | 4,675 |
| Core capital (leverage) ratio | 7.0661% | 4,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8403% | 2,688 |
| Memoranda: | ||
| Average total assets | $1,327,529,400 | 690 |
| Average earning assets | $1,228,792,400 | 684 |
| Average equity | $115,401,800 | 854 |
| Average total loans | $619,626,400 | 950 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3848% | 4,365 |
| Cost of funding earning assets | 0.6427% | 2,371 |
| Net interest margin | 2.7422% | 4,411 |
| Noninterest income to average assets | 0.6967% | 1,811 |
| Noninterest expense to average assets | 2.5343% | 2,734 |
| Loan and lease loss provision to assets | 0.1216% | 2,811 |
| Net operating income to assets | 0.4607% | 4,145 |
| Return on assets (ROA) | 0.5193% | 4,079 |
| Pretax return on assets | 0.6474% | 4,013 |
| Return on Equity (ROE) | 5.8570% | 3,602 |
| Retained earnings to average equity (ytd only) | 0.5033% | 4,384 |
| Net charge-offs to loans | 0.0968% | 1,339 |
| Credit loss provision to net charge-offs | 266.4414% | 1,871 |
| Earnings coverage of net charge-offs (x) | 15.2410% | 2,109 |
| Efficiency ratio | 78.1990% | 1,015 |
| Assets per employee ($millions) | 5.0513% | 3,179 |
| Cash dividends to net income (ytd only)* | 91.4076% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 4,599 |
| Loan loss allowance to noncurrent loans | 42.1655% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.0241% | 1,071 |
| Noncurrent loans to loans | 1.6256% | 864 |
| Net loans and leases to total assets | 47.3915% | 4,247 |
| Net loans and leases to deposits | 61.9385% | 3,937 |
| Net loans and leases to core deposits | 65.6085% | 3,913 |
| Total domestic deposits to total assets | 76.5138% | 4,384 |
| Equity capital to assets | 8.3794% | 4,532 |
| Core capital (leverage) ratio | 7.1740% | 4,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2985% | 2,499 |
| Memoranda: | ||
| Average total assets | $1,296,807,000 | 688 |
| Average earning assets | $1,198,056,000 | 682 |
| Average equity | $114,982,750 | 851 |
| Average total loans | $611,469,000 | 958 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3851% | 4,552 |
| Cost of funding earning assets | 0.7000% | 2,380 |
| Net interest margin | 2.6851% | 4,571 |
| Noninterest income to average assets | 0.6988% | 1,740 |
| Noninterest expense to average assets | 2.5424% | 2,849 |
| Loan and lease loss provision to assets | 0.1473% | 2,540 |
| Net operating income to assets | 0.3944% | 4,241 |
| Return on assets (ROA) | 0.4467% | 4,198 |
| Pretax return on assets | 0.5493% | 4,161 |
| Return on Equity (ROE) | 4.9402% | 3,843 |
| Retained earnings to average equity (ytd only) | -0.3167% | 4,364 |
| Net charge-offs to loans | 0.1455% | 992 |
| Credit loss provision to net charge-offs | 215.6682% | 1,854 |
| Earnings coverage of net charge-offs (x) | 9.2558% | 2,234 |
| Efficiency ratio | 79.8166% | 904 |
| Assets per employee ($millions) | 5.2709% | 2,866 |
| Cash dividends to net income (ytd only)* | 106.4107% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6691% | 4,635 |
| Loan loss allowance to noncurrent loans | 38.3825% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.1019% | 1,036 |
| Noncurrent loans to loans | 1.7433% | 821 |
| Net loans and leases to total assets | 45.0722% | 4,401 |
| Net loans and leases to deposits | 58.6586% | 4,182 |
| Net loans and leases to core deposits | 62.0293% | 4,175 |
| Total domestic deposits to total assets | 76.8382% | 4,334 |
| Equity capital to assets | 8.3569% | 4,562 |
| Core capital (leverage) ratio | 7.4361% | 4,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8068% | 2,265 |
| Memoranda: | ||
| Average total assets | $1,271,090,000 | 683 |
| Average earning assets | $1,171,948,000 | 684 |
| Average equity | $114,934,000 | 847 |
| Average total loans | $596,747,667 | 965 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5066% | 4,623 |
| Cost of funding earning assets | 0.8397% | 2,174 |
| Net interest margin | 2.6669% | 4,693 |
| Noninterest income to average assets | 0.7644% | 1,419 |
| Noninterest expense to average assets | 2.6427% | 2,855 |
| Loan and lease loss provision to assets | 0.1042% | 2,379 |
| Net operating income to assets | 0.3848% | 4,171 |
| Return on assets (ROA) | 0.4058% | 4,161 |
| Pretax return on assets | 0.4930% | 4,136 |
| Return on Equity (ROE) | 4.2981% | 3,873 |
| Retained earnings to average equity (ytd only) | -0.5096% | 4,077 |
| Net charge-offs to loans | 0.1754% | 758 |
| Credit loss provision to net charge-offs | 124.1107% | 1,695 |
| Earnings coverage of net charge-offs (x) | 6.8103% | 1,963 |
| Efficiency ratio | 81.9364% | 973 |
| Assets per employee ($millions) | 4.5035% | 3,255 |
| Cash dividends to net income (ytd only)* | 111.8561% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6614% | 4,665 |
| Loan loss allowance to noncurrent loans | 31.6917% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.2899% | 907 |
| Noncurrent loans to loans | 2.0869% | 661 |
| Net loans and leases to total assets | 47.1371% | 4,380 |
| Net loans and leases to deposits | 61.7870% | 4,114 |
| Net loans and leases to core deposits | 66.1576% | 4,075 |
| Total domestic deposits to total assets | 76.2898% | 4,445 |
| Equity capital to assets | 9.6009% | 4,133 |
| Core capital (leverage) ratio | 8.1396% | 4,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1576% | 2,216 |
| Memoranda: | ||
| Average total assets | $1,205,604,500 | 688 |
| Average earning assets | $1,107,500,500 | 692 |
| Average equity | $113,816,500 | 844 |
| Average total loans | $577,023,000 | 968 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6324% | 4,740 |
| Cost of funding earning assets | 0.9989% | 1,726 |
| Net interest margin | 2.6335% | 4,884 |
| Noninterest income to average assets | 0.9027% | 1,172 |
| Noninterest expense to average assets | 2.5593% | 3,293 |
| Loan and lease loss provision to assets | 0.0541% | 2,951 |
| Net operating income to assets | 0.5783% | 4,226 |
| Return on assets (ROA) | 0.5929% | 4,235 |
| Pretax return on assets | 0.7287% | 4,137 |
| Return on Equity (ROE) | 6.6373% | 3,693 |
| Retained earnings to average equity (ytd only) | 1.2128% | 4,307 |
| Net charge-offs to loans | 0.0397% | 2,592 |
| Credit loss provision to net charge-offs | 301.5789% | 920 |
| Earnings coverage of net charge-offs (x) | 42.6211% | 1,255 |
| Efficiency ratio | 76.9143% | 1,272 |
| Assets per employee ($millions) | 4.4433% | 3,312 |
| Cash dividends to net income (ytd only)* | 81.7269% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6507% | 4,652 |
| Loan loss allowance to noncurrent loans | 30.5260% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.3263% | 822 |
| Noncurrent loans to loans | 2.1316% | 588 |
| Net loans and leases to total assets | 47.9654% | 4,429 |
| Net loans and leases to deposits | 63.6496% | 4,098 |
| Net loans and leases to core deposits | 68.9587% | 4,025 |
| Total domestic deposits to total assets | 75.3586% | 4,669 |
| Equity capital to assets | 9.2776% | 4,506 |
| Core capital (leverage) ratio | 8.1769% | 4,982 |
| Tier 1 risk-based capital ratio | 13.5886% | 3,467 |
| Total risk-based capital ratio | 14.1156% | 3,746 |
| Memoranda: | ||
| Average total assets | $1,058,768,400 | 745 |
| Average earning assets | $973,498,400 | 743 |
| Average equity | $94,571,600 | 936 |
| Average total loans | $478,609,200 | 1,118 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6044% | 4,878 |
| Cost of funding earning assets | 1.0107% | 1,714 |
| Net interest margin | 2.5937% | 5,006 |
| Noninterest income to average assets | 0.8373% | 1,312 |
| Noninterest expense to average assets | 2.5356% | 3,332 |
| Loan and lease loss provision to assets | 0.0614% | 2,670 |
| Net operating income to assets | 0.5217% | 4,464 |
| Return on assets (ROA) | 0.5422% | 4,479 |
| Pretax return on assets | 0.6506% | 4,444 |
| Return on Equity (ROE) | 6.1396% | 4,001 |
| Retained earnings to average equity (ytd only) | 0.5967% | 4,646 |
| Net charge-offs to loans | 0.0112% | 2,964 |
| Credit loss provision to net charge-offs | 1,242.1053% | 292 |
| Earnings coverage of net charge-offs (x) | 138.9874% | 574 |
| Efficiency ratio | 78.6741% | 1,041 |
| Assets per employee ($millions) | 4.4655% | 3,262 |
| Cash dividends to net income (ytd only)* | 90.2807% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 4,402 |
| Loan loss allowance to noncurrent loans | 30.1585% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.5250% | 719 |
| Noncurrent loans to loans | 2.6653% | 410 |
| Net loans and leases to total assets | 44.7582% | 4,667 |
| Net loans and leases to deposits | 58.9996% | 4,426 |
| Net loans and leases to core deposits | 63.8617% | 4,378 |
| Total domestic deposits to total assets | 75.8620% | 4,664 |
| Equity capital to assets | 9.2454% | 4,636 |
| Core capital (leverage) ratio | 9.0512% | 4,598 |
| Tier 1 risk-based capital ratio | 15.7650% | 2,531 |
| Total risk-based capital ratio | 16.4018% | 2,715 |
| Memoranda: | ||
| Average total assets | $1,024,645,250 | 766 |
| Average earning assets | $942,410,000 | 760 |
| Average equity | $90,491,750 | 970 |
| Average total loans | $453,994,750 | 1,156 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 4,889 |
| Cost of funding earning assets | 0.9882% | 1,749 |
| Net interest margin | 2.6560% | 5,036 |
| Noninterest income to average assets | 0.8211% | 1,280 |
| Noninterest expense to average assets | 2.5026% | 3,472 |
| Loan and lease loss provision to assets | 0.0905% | 2,040 |
| Net operating income to assets | 0.5640% | 4,395 |
| Return on assets (ROA) | 0.5551% | 4,446 |
| Pretax return on assets | 0.6604% | 4,425 |
| Return on Equity (ROE) | 6.3885% | 3,908 |
| Retained earnings to average equity (ytd only) | 0.7088% | 4,508 |
| Net charge-offs to loans | 0.0049% | 2,983 |
| Credit loss provision to net charge-offs | 4,181.8182% | 88 |
| Earnings coverage of net charge-offs (x) | 351.8182% | 222 |
| Efficiency ratio | 76.6699% | 1,313 |
| Assets per employee ($millions) | 4.2717% | 3,479 |
| Cash dividends to net income (ytd only)* | 88.9046% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8204% | 4,363 |
| Loan loss allowance to noncurrent loans | 34.1130% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.4108% | 836 |
| Noncurrent loans to loans | 2.4050% | 510 |
| Net loans and leases to total assets | 44.6832% | 4,694 |
| Net loans and leases to deposits | 57.9986% | 4,516 |
| Net loans and leases to core deposits | 62.5882% | 4,475 |
| Total domestic deposits to total assets | 77.0418% | 4,551 |
| Equity capital to assets | 9.1183% | 4,723 |
| Core capital (leverage) ratio | 9.0678% | 4,579 |
| Tier 1 risk-based capital ratio | 16.1790% | 2,336 |
| Total risk-based capital ratio | 16.8357% | 2,521 |
| Memoranda: | ||
| Average total assets | $1,016,394,330 | 770 |
| Average earning assets | $934,855,670 | 767 |
| Average equity | $88,315,330 | 986 |
| Average total loans | $447,493,670 | 1,169 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6103% | 4,959 |
| Cost of funding earning assets | 0.9363% | 1,857 |
| Net interest margin | 2.6741% | 5,086 |
| Noninterest income to average assets | 0.8125% | 1,263 |
| Noninterest expense to average assets | 2.5924% | 3,236 |
| Loan and lease loss provision to assets | 0.0774% | 2,135 |
| Net operating income to assets | 0.5212% | 4,460 |
| Return on assets (ROA) | 0.5212% | 4,481 |
| Pretax return on assets | 0.6073% | 4,497 |
| Return on Equity (ROE) | 6.1540% | 3,965 |
| Retained earnings to average equity (ytd only) | 0.2765% | 4,474 |
| Net charge-offs to loans | 0.0064% | 2,471 |
| Credit loss provision to net charge-offs | 2,785.7143% | 160 |
| Earnings coverage of net charge-offs (x) | 246.4286% | 325 |
| Efficiency ratio | 79.1061% | 1,147 |
| Assets per employee ($millions) | 4.4045% | 3,323 |
| Cash dividends to net income (ytd only)* | 95.5065% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7956% | 4,536 |
| Loan loss allowance to noncurrent loans | 35.4617% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.2751% | 1,036 |
| Noncurrent loans to loans | 2.2435% | 625 |
| Net loans and leases to total assets | 41.9944% | 4,829 |
| Net loans and leases to deposits | 52.7376% | 4,721 |
| Net loans and leases to core deposits | 56.6151% | 4,687 |
| Total domestic deposits to total assets | 79.6289% | 4,234 |
| Equity capital to assets | 8.3895% | 5,048 |
| Core capital (leverage) ratio | 9.3602% | 4,307 |
| Tier 1 risk-based capital ratio | 16.2243% | 2,358 |
| Total risk-based capital ratio | 16.8395% | 2,535 |
| Memoranda: | ||
| Average total assets | $1,007,715,000 | 781 |
| Average earning assets | $928,776,500 | 772 |
| Average equity | $85,342,500 | 1,013 |
| Average total loans | $438,373,000 | 1,192 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5252% | 4,893 |
| Cost of funding earning assets | 0.5015% | 3,344 |
| Net interest margin | 3.0237% | 4,773 |
| Noninterest income to average assets | 0.8849% | 1,212 |
| Noninterest expense to average assets | 2.8048% | 2,675 |
| Loan and lease loss provision to assets | 0.0344% | 3,506 |
| Net operating income to assets | 0.7214% | 4,070 |
| Return on assets (ROA) | 0.7224% | 4,073 |
| Pretax return on assets | 0.8186% | 4,119 |
| Return on Equity (ROE) | 8.6871% | 3,150 |
| Retained earnings to average equity (ytd only) | 3.7432% | 3,516 |
| Net charge-offs to loans | -0.0045% | 4,335 |
| Credit loss provision to net charge-offs | -1,757.8947% | 4,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7035% | 1,266 |
| Assets per employee ($millions) | 3.9117% | 4,024 |
| Cash dividends to net income (ytd only)* | 56.9106% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7855% | 4,582 |
| Loan loss allowance to noncurrent loans | 34.0228% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.3931% | 882 |
| Noncurrent loans to loans | 2.3088% | 546 |
| Net loans and leases to total assets | 44.4409% | 4,800 |
| Net loans and leases to deposits | 56.2016% | 4,655 |
| Net loans and leases to core deposits | 61.1792% | 4,577 |
| Total domestic deposits to total assets | 79.0742% | 4,298 |
| Equity capital to assets | 8.5565% | 4,889 |
| Core capital (leverage) ratio | 9.7376% | 3,871 |
| Tier 1 risk-based capital ratio | 17.0811% | 2,038 |
| Total risk-based capital ratio | 17.6950% | 2,196 |
| Memoranda: | ||
| Average total assets | $970,457,200 | 792 |
| Average earning assets | $889,570,400 | 792 |
| Average equity | $80,706,000 | 1,022 |
| Average total loans | $419,618,600 | 1,207 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4765% | 4,950 |
| Cost of funding earning assets | 0.4170% | 3,745 |
| Net interest margin | 3.0595% | 4,770 |
| Noninterest income to average assets | 0.8749% | 1,267 |
| Noninterest expense to average assets | 2.8139% | 2,594 |
| Loan and lease loss provision to assets | 0.0193% | 3,620 |
| Net operating income to assets | 0.7142% | 4,178 |
| Return on assets (ROA) | 0.7155% | 4,185 |
| Pretax return on assets | 0.8475% | 4,174 |
| Return on Equity (ROE) | 8.6651% | 3,257 |
| Retained earnings to average equity (ytd only) | 4.1269% | 3,711 |
| Net charge-offs to loans | -0.0042% | 4,194 |
| Credit loss provision to net charge-offs | -1,084.6154% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4807% | 1,290 |
| Assets per employee ($millions) | 3.9295% | 4,004 |
| Cash dividends to net income (ytd only)* | 52.3737% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7301% | 4,811 |
| Loan loss allowance to noncurrent loans | 31.4127% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 1.4038% | 951 |
| Noncurrent loans to loans | 2.3242% | 584 |
| Net loans and leases to total assets | 44.8141% | 4,848 |
| Net loans and leases to deposits | 56.8462% | 4,707 |
| Net loans and leases to core deposits | 61.1091% | 4,656 |
| Total domestic deposits to total assets | 78.8340% | 4,351 |
| Equity capital to assets | 8.0996% | 5,136 |
| Core capital (leverage) ratio | 9.7379% | 3,912 |
| Tier 1 risk-based capital ratio | 16.8855% | 2,140 |
| Total risk-based capital ratio | 17.4598% | 2,318 |
| Memoranda: | ||
| Average total assets | $973,481,000 | 786 |
| Average earning assets | $892,280,250 | 784 |
| Average equity | $80,382,000 | 1,020 |
| Average total loans | $417,204,000 | 1,212 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4338% | 4,996 |
| Cost of funding earning assets | 0.3622% | 3,995 |
| Net interest margin | 3.0716% | 4,783 |
| Noninterest income to average assets | 0.8530% | 1,309 |
| Noninterest expense to average assets | 2.8129% | 2,626 |
| Loan and lease loss provision to assets | -0.0303% | 5,342 |
| Net operating income to assets | 0.7471% | 4,042 |
| Return on assets (ROA) | 0.7490% | 4,037 |
| Pretax return on assets | 0.8884% | 3,993 |
| Return on Equity (ROE) | 9.0141% | 3,013 |
| Retained earnings to average equity (ytd only) | 2.2738% | 4,372 |
| Net charge-offs to loans | -0.0763% | 5,066 |
| Credit loss provision to net charge-offs | 94.2675% | 2,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6724% | 1,352 |
| Assets per employee ($millions) | 3.8360% | 4,154 |
| Cash dividends to net income (ytd only)* | 74.7745% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7199% | 4,897 |
| Loan loss allowance to noncurrent loans | 42.6479% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 1.0814% | 1,367 |
| Noncurrent loans to loans | 1.6880% | 943 |
| Net loans and leases to total assets | 43.3711% | 4,934 |
| Net loans and leases to deposits | 54.4164% | 4,824 |
| Net loans and leases to core deposits | 58.5853% | 4,763 |
| Total domestic deposits to total assets | 79.7023% | 4,306 |
| Equity capital to assets | 8.1697% | 5,152 |
| Core capital (leverage) ratio | 9.4625% | 4,157 |
| Tier 1 risk-based capital ratio | 16.9370% | 2,124 |
| Total risk-based capital ratio | 17.4961% | 2,292 |
| Memoranda: | ||
| Average total assets | $977,069,000 | 780 |
| Average earning assets | $895,693,670 | 781 |
| Average equity | $81,184,000 | 1,013 |
| Average total loans | $411,403,330 | 1,229 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3690% | 5,055 |
| Cost of funding earning assets | 0.3525% | 3,970 |
| Net interest margin | 3.0165% | 4,856 |
| Noninterest income to average assets | 0.8507% | 1,300 |
| Noninterest expense to average assets | 2.8186% | 2,637 |
| Loan and lease loss provision to assets | -0.0963% | 5,506 |
| Net operating income to assets | 0.7544% | 3,893 |
| Return on assets (ROA) | 0.7572% | 3,884 |
| Pretax return on assets | 0.8970% | 3,862 |
| Return on Equity (ROE) | 9.0386% | 2,894 |
| Retained earnings to average equity (ytd only) | 2.4016% | 4,207 |
| Net charge-offs to loans | 0.0560% | 1,547 |
| Credit loss provision to net charge-offs | -415.7895% | 3,960 |
| Earnings coverage of net charge-offs (x) | 34.4211% | 1,157 |
| Efficiency ratio | 77.9476% | 1,359 |
| Assets per employee ($millions) | 3.9340% | 4,092 |
| Cash dividends to net income (ytd only)* | 73.4300% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6676% | 5,082 |
| Loan loss allowance to noncurrent loans | 35.3208% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.1428% | 1,347 |
| Noncurrent loans to loans | 1.8901% | 869 |
| Net loans and leases to total assets | 41.5584% | 4,997 |
| Net loans and leases to deposits | 51.4481% | 4,904 |
| Net loans and leases to core deposits | 56.2759% | 4,830 |
| Total domestic deposits to total assets | 80.7772% | 4,253 |
| Equity capital to assets | 8.1140% | 5,224 |
| Core capital (leverage) ratio | 9.2850% | 4,343 |
| Tier 1 risk-based capital ratio | 17.3408% | 2,019 |
| Total risk-based capital ratio | 17.8585% | 2,183 |
| Memoranda: | ||
| Average total assets | $984,188,500 | 773 |
| Average earning assets | $902,223,000 | 777 |
| Average equity | $82,446,000 | 1,008 |
| Average total loans | $406,796,000 | 1,244 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2732% | 5,117 |
| Cost of funding earning assets | 0.3586% | 3,628 |
| Net interest margin | 2.9146% | 5,022 |
| Noninterest income to average assets | 0.7930% | 1,590 |
| Noninterest expense to average assets | 2.7114% | 3,091 |
| Loan and lease loss provision to assets | -0.0532% | 5,406 |
| Net operating income to assets | 0.3970% | 4,702 |
| Return on assets (ROA) | 0.4036% | 4,699 |
| Pretax return on assets | 0.8058% | 4,225 |
| Return on Equity (ROE) | 4.7488% | 4,272 |
| Retained earnings to average equity (ytd only) | -1.5538% | 5,236 |
| Net charge-offs to loans | 0.0862% | 2,232 |
| Credit loss provision to net charge-offs | -159.2375% | 4,762 |
| Earnings coverage of net charge-offs (x) | 22.2405% | 1,860 |
| Efficiency ratio | 78.5058% | 1,284 |
| Assets per employee ($millions) | 3.9869% | 3,986 |
| Cash dividends to net income (ytd only)* | 132.7189% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7447% | 4,965 |
| Loan loss allowance to noncurrent loans | 35.9619% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 1.2465% | 1,171 |
| Noncurrent loans to loans | 2.0707% | 728 |
| Net loans and leases to total assets | 40.5332% | 5,114 |
| Net loans and leases to deposits | 55.6515% | 4,820 |
| Net loans and leases to core deposits | 58.4388% | 4,832 |
| Total domestic deposits to total assets | 72.8340% | 5,270 |
| Equity capital to assets | 8.6356% | 5,001 |
| Core capital (leverage) ratio | 8.9062% | 4,749 |
| Tier 1 risk-based capital ratio | 17.4169% | 1,963 |
| Total risk-based capital ratio | 17.9960% | 2,128 |
| Memoranda: | ||
| Average total assets | $1,021,625,200 | 725 |
| Average earning assets | $932,636,000 | 730 |
| Average equity | $86,822,200 | 938 |
| Average total loans | $395,736,600 | 1,242 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2468% | 5,173 |
| Cost of funding earning assets | 0.3499% | 3,666 |
| Net interest margin | 2.8969% | 5,089 |
| Noninterest income to average assets | 0.7826% | 1,652 |
| Noninterest expense to average assets | 2.6569% | 3,223 |
| Loan and lease loss provision to assets | -0.0330% | 5,499 |
| Net operating income to assets | 0.6429% | 4,219 |
| Return on assets (ROA) | 0.6537% | 4,229 |
| Pretax return on assets | 0.8149% | 4,312 |
| Return on Equity (ROE) | 7.7216% | 3,279 |
| Retained earnings to average equity (ytd only) | 1.4390% | 4,836 |
| Net charge-offs to loans | 0.0827% | 1,973 |
| Credit loss provision to net charge-offs | -104.5082% | 4,518 |
| Earnings coverage of net charge-offs (x) | 24.2988% | 1,777 |
| Efficiency ratio | 77.5680% | 1,389 |
| Assets per employee ($millions) | 4.1693% | 3,703 |
| Cash dividends to net income (ytd only)* | 81.3639% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 4,703 |
| Loan loss allowance to noncurrent loans | 41.8593% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 1.1998% | 1,377 |
| Noncurrent loans to loans | 2.0688% | 813 |
| Net loans and leases to total assets | 37.9928% | 5,267 |
| Net loans and leases to deposits | 51.4772% | 5,073 |
| Net loans and leases to core deposits | 54.5249% | 5,055 |
| Total domestic deposits to total assets | 73.8051% | 5,252 |
| Equity capital to assets | 8.7023% | 5,144 |
| Core capital (leverage) ratio | 9.0653% | 4,669 |
| Tier 1 risk-based capital ratio | 17.8492% | 1,896 |
| Total risk-based capital ratio | 18.5132% | 2,029 |
| Memoranda: | ||
| Average total assets | $1,028,845,500 | 724 |
| Average earning assets | $938,552,750 | 723 |
| Average equity | $87,095,500 | 936 |
| Average total loans | $393,318,250 | 1,258 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2615% | 5,165 |
| Cost of funding earning assets | 0.3489% | 3,595 |
| Net interest margin | 2.9126% | 5,075 |
| Noninterest income to average assets | 0.7628% | 1,714 |
| Noninterest expense to average assets | 2.6713% | 3,197 |
| Loan and lease loss provision to assets | -0.0351% | 5,590 |
| Net operating income to assets | 0.6363% | 4,139 |
| Return on assets (ROA) | 0.6503% | 4,130 |
| Pretax return on assets | 0.7991% | 4,282 |
| Return on Equity (ROE) | 7.7545% | 3,164 |
| Retained earnings to average equity (ytd only) | 1.4194% | 4,678 |
| Net charge-offs to loans | 0.1098% | 1,535 |
| Credit loss provision to net charge-offs | -83.7963% | 4,332 |
| Earnings coverage of net charge-offs (x) | 17.8009% | 1,912 |
| Efficiency ratio | 78.1547% | 1,443 |
| Assets per employee ($millions) | 4.0205% | 3,923 |
| Cash dividends to net income (ytd only)* | 81.6960% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 4,673 |
| Loan loss allowance to noncurrent loans | 44.6510% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.1823% | 1,444 |
| Noncurrent loans to loans | 1.9966% | 842 |
| Net loans and leases to total assets | 38.3168% | 5,294 |
| Net loans and leases to deposits | 49.8385% | 5,145 |
| Net loans and leases to core deposits | 52.5176% | 5,131 |
| Total domestic deposits to total assets | 76.8819% | 4,976 |
| Equity capital to assets | 8.8734% | 5,014 |
| Core capital (leverage) ratio | 9.0006% | 4,723 |
| Tier 1 risk-based capital ratio | 18.0463% | 1,842 |
| Total risk-based capital ratio | 18.7402% | 1,967 |
| Memoranda: | ||
| Average total assets | $1,029,910,000 | 728 |
| Average earning assets | $938,887,000 | 728 |
| Average equity | $86,375,670 | 949 |
| Average total loans | $393,398,330 | 1,258 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1653% | 5,291 |
| Cost of funding earning assets | 0.3424% | 3,607 |
| Net interest margin | 2.8229% | 5,207 |
| Noninterest income to average assets | 0.7392% | 1,785 |
| Noninterest expense to average assets | 2.7089% | 3,111 |
| Loan and lease loss provision to assets | -0.0583% | 5,724 |
| Net operating income to assets | 0.5721% | 4,270 |
| Return on assets (ROA) | 0.5721% | 4,318 |
| Pretax return on assets | 0.6597% | 4,564 |
| Return on Equity (ROE) | 7.0209% | 3,389 |
| Retained earnings to average equity (ytd only) | 0.5401% | 4,795 |
| Net charge-offs to loans | 0.0508% | 1,844 |
| Credit loss provision to net charge-offs | -302.0000% | 4,134 |
| Earnings coverage of net charge-offs (x) | 31.1600% | 1,195 |
| Efficiency ratio | 81.8330% | 1,180 |
| Assets per employee ($millions) | 4.2415% | 3,603 |
| Cash dividends to net income (ytd only)* | 92.3077% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 4,591 |
| Loan loss allowance to noncurrent loans | 40.9061% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.2793% | 1,333 |
| Noncurrent loans to loans | 2.3035% | 716 |
| Net loans and leases to total assets | 37.1483% | 5,362 |
| Net loans and leases to deposits | 49.2087% | 5,169 |
| Net loans and leases to core deposits | 51.8907% | 5,147 |
| Total domestic deposits to total assets | 75.4913% | 5,289 |
| Equity capital to assets | 8.1967% | 5,421 |
| Core capital (leverage) ratio | 9.1071% | 4,610 |
| Tier 1 risk-based capital ratio | 17.4369% | 2,050 |
| Total risk-based capital ratio | 18.1488% | 2,177 |
| Memoranda: | ||
| Average total assets | $1,036,272,000 | 726 |
| Average earning assets | $943,857,000 | 726 |
| Average equity | $84,434,000 | 967 |
| Average total loans | $393,468,000 | 1,261 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2730% | 5,202 |
| Cost of funding earning assets | 0.3362% | 3,680 |
| Net interest margin | 2.9369% | 5,069 |
| Noninterest income to average assets | 0.7501% | 1,956 |
| Noninterest expense to average assets | 2.5917% | 3,696 |
| Loan and lease loss provision to assets | -0.0065% | 5,479 |
| Net operating income to assets | 0.6806% | 3,868 |
| Return on assets (ROA) | 0.6896% | 3,939 |
| Pretax return on assets | 0.8634% | 3,962 |
| Return on Equity (ROE) | 7.9668% | 2,953 |
| Retained earnings to average equity (ytd only) | 3.2617% | 3,589 |
| Net charge-offs to loans | 0.6111% | 375 |
| Credit loss provision to net charge-offs | -2.5938% | 4,722 |
| Earnings coverage of net charge-offs (x) | 3.4010% | 3,674 |
| Efficiency ratio | 75.3962% | 2,081 |
| Assets per employee ($millions) | 4.0833% | 3,824 |
| Cash dividends to net income (ytd only)* | 59.0589% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 4,394 |
| Loan loss allowance to noncurrent loans | 42.9467% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 1.3202% | 1,326 |
| Noncurrent loans to loans | 2.3063% | 720 |
| Net loans and leases to total assets | 38.0670% | 5,400 |
| Net loans and leases to deposits | 51.2276% | 5,159 |
| Net loans and leases to core deposits | 54.1845% | 5,140 |
| Total domestic deposits to total assets | 74.3095% | 5,416 |
| Equity capital to assets | 8.0980% | 5,519 |
| Core capital (leverage) ratio | 9.0152% | 4,729 |
| Tier 1 risk-based capital ratio | 17.5273% | 1,999 |
| Total risk-based capital ratio | 18.2827% | 2,101 |
| Memoranda: | ||
| Average total assets | $1,007,741,000 | 718 |
| Average earning assets | $922,144,400 | 718 |
| Average equity | $87,225,000 | 912 |
| Average total loans | $410,099,000 | 1,179 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3048% | 5,212 |
| Cost of funding earning assets | 0.3307% | 3,771 |
| Net interest margin | 2.9742% | 5,062 |
| Noninterest income to average assets | 0.7536% | 1,952 |
| Noninterest expense to average assets | 2.5956% | 3,680 |
| Loan and lease loss provision to assets | 0.0129% | 3,993 |
| Net operating income to assets | 0.6885% | 3,915 |
| Return on assets (ROA) | 0.6986% | 3,984 |
| Pretax return on assets | 0.8817% | 4,044 |
| Return on Equity (ROE) | 7.9410% | 3,042 |
| Retained earnings to average equity (ytd only) | 1.7429% | 4,809 |
| Net charge-offs to loans | 0.7914% | 228 |
| Credit loss provision to net charge-offs | 3.9463% | 3,394 |
| Earnings coverage of net charge-offs (x) | 2.6998% | 3,536 |
| Efficiency ratio | 74.6437% | 2,166 |
| Assets per employee ($millions) | 4.0990% | 3,789 |
| Cash dividends to net income (ytd only)* | 78.0525% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 4,387 |
| Loan loss allowance to noncurrent loans | 37.9954% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 1.5343% | 1,156 |
| Noncurrent loans to loans | 2.6401% | 634 |
| Net loans and leases to total assets | 39.6100% | 5,398 |
| Net loans and leases to deposits | 51.8326% | 5,210 |
| Net loans and leases to core deposits | 54.7439% | 5,200 |
| Total domestic deposits to total assets | 76.4191% | 5,177 |
| Equity capital to assets | 9.1598% | 5,019 |
| Core capital (leverage) ratio | 8.9288% | 4,908 |
| Tier 1 risk-based capital ratio | 16.9089% | 2,255 |
| Total risk-based capital ratio | 17.6915% | 2,395 |
| Memoranda: | ||
| Average total assets | $1,003,451,750 | 719 |
| Average earning assets | $918,961,750 | 723 |
| Average equity | $88,282,250 | 906 |
| Average total loans | $414,111,000 | 1,175 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3367% | 5,211 |
| Cost of funding earning assets | 0.3347% | 3,747 |
| Net interest margin | 3.0021% | 5,077 |
| Noninterest income to average assets | 0.7357% | 1,987 |
| Noninterest expense to average assets | 2.6202% | 3,660 |
| Loan and lease loss provision to assets | -0.0175% | 5,778 |
| Net operating income to assets | 0.6841% | 3,879 |
| Return on assets (ROA) | 0.6899% | 3,994 |
| Pretax return on assets | 0.8864% | 4,002 |
| Return on Equity (ROE) | 7.9541% | 3,000 |
| Retained earnings to average equity (ytd only) | 1.6223% | 4,734 |
| Net charge-offs to loans | 0.7596% | 267 |
| Credit loss provision to net charge-offs | -5.5133% | 4,445 |
| Earnings coverage of net charge-offs (x) | 2.7199% | 3,224 |
| Efficiency ratio | 75.2551% | 2,188 |
| Assets per employee ($millions) | 4.0723% | 3,780 |
| Cash dividends to net income (ytd only)* | 79.6043% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 3,396 |
| Loan loss allowance to noncurrent loans | 37.5205% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 1.5801% | 1,183 |
| Noncurrent loans to loans | 3.1854% | 446 |
| Net loans and leases to total assets | 39.2064% | 5,460 |
| Net loans and leases to deposits | 50.8304% | 5,297 |
| Net loans and leases to core deposits | 53.6040% | 5,299 |
| Total domestic deposits to total assets | 77.1318% | 5,147 |
| Equity capital to assets | 8.8604% | 5,344 |
| Core capital (leverage) ratio | 8.9266% | 4,910 |
| Tier 1 risk-based capital ratio | 16.8866% | 2,263 |
| Total risk-based capital ratio | 17.8050% | 2,351 |
| Memoranda: | ||
| Average total assets | $996,351,330 | 726 |
| Average earning assets | $911,373,670 | 727 |
| Average equity | $86,421,330 | 919 |
| Average total loans | $415,475,330 | 1,171 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3592% | 5,205 |
| Cost of funding earning assets | 0.3412% | 3,701 |
| Net interest margin | 3.0180% | 5,076 |
| Noninterest income to average assets | 0.7352% | 1,882 |
| Noninterest expense to average assets | 2.6478% | 3,581 |
| Loan and lease loss provision to assets | 0.0243% | 3,360 |
| Net operating income to assets | 0.6453% | 3,999 |
| Return on assets (ROA) | 0.6453% | 4,121 |
| Pretax return on assets | 0.8215% | 4,130 |
| Return on Equity (ROE) | 7.5222% | 3,176 |
| Retained earnings to average equity (ytd only) | 1.0625% | 4,813 |
| Net charge-offs to loans | 1.4454% | 129 |
| Credit loss provision to net charge-offs | 3.9344% | 2,404 |
| Earnings coverage of net charge-offs (x) | 1.3692% | 2,827 |
| Efficiency ratio | 75.7913% | 2,206 |
| Assets per employee ($millions) | 4.0892% | 3,792 |
| Cash dividends to net income (ytd only)* | 85.8757% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 3,430 |
| Loan loss allowance to noncurrent loans | 37.8066% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.6601% | 1,180 |
| Noncurrent loans to loans | 3.1966% | 470 |
| Net loans and leases to total assets | 40.8714% | 5,408 |
| Net loans and leases to deposits | 51.6606% | 5,243 |
| Net loans and leases to core deposits | 54.3927% | 5,224 |
| Total domestic deposits to total assets | 79.1152% | 4,941 |
| Equity capital to assets | 8.5506% | 5,532 |
| Core capital (leverage) ratio | 8.9771% | 4,884 |
| Tier 1 risk-based capital ratio | 16.3067% | 2,557 |
| Total risk-based capital ratio | 17.2354% | 2,633 |
| Memoranda: | ||
| Average total assets | $987,519,500 | 735 |
| Average earning assets | $902,598,500 | 733 |
| Average equity | $84,709,000 | 935 |
| Average total loans | $422,029,000 | 1,154 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5990% | 4,679 |
| Cost of funding earning assets | 0.3579% | 3,615 |
| Net interest margin | 3.2412% | 4,501 |
| Noninterest income to average assets | 0.8625% | 1,561 |
| Noninterest expense to average assets | 2.6612% | 3,728 |
| Loan and lease loss provision to assets | 0.0589% | 3,133 |
| Net operating income to assets | 0.8195% | 3,249 |
| Return on assets (ROA) | 0.8209% | 3,320 |
| Pretax return on assets | 1.0939% | 3,090 |
| Return on Equity (ROE) | 9.5495% | 2,200 |
| Retained earnings to average equity (ytd only) | 2.6971% | 4,152 |
| Net charge-offs to loans | 0.1513% | 1,858 |
| Credit loss provision to net charge-offs | 89.1200% | 2,773 |
| Earnings coverage of net charge-offs (x) | 17.4096% | 2,075 |
| Efficiency ratio | 69.8085% | 3,252 |
| Assets per employee ($millions) | 3.9885% | 3,957 |
| Cash dividends to net income (ytd only)* | 71.7562% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 1,969 |
| Loan loss allowance to noncurrent loans | 44.6514% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 1.8570% | 1,002 |
| Noncurrent loans to loans | 3.3751% | 429 |
| Net loans and leases to total assets | 43.4761% | 5,309 |
| Net loans and leases to deposits | 55.9961% | 5,041 |
| Net loans and leases to core deposits | 59.3940% | 5,022 |
| Total domestic deposits to total assets | 77.6413% | 5,224 |
| Equity capital to assets | 8.6061% | 5,459 |
| Core capital (leverage) ratio | 8.9878% | 4,901 |
| Tier 1 risk-based capital ratio | 15.8948% | 2,739 |
| Total risk-based capital ratio | 17.0679% | 2,709 |
| Memoranda: | ||
| Average total assets | $945,383,800 | 727 |
| Average earning assets | $860,370,800 | 735 |
| Average equity | $81,271,200 | 933 |
| Average total loans | $413,191,200 | 1,110 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6290% | 4,646 |
| Cost of funding earning assets | 0.3527% | 3,726 |
| Net interest margin | 3.2763% | 4,440 |
| Noninterest income to average assets | 0.7823% | 1,873 |
| Noninterest expense to average assets | 2.6946% | 3,581 |
| Loan and lease loss provision to assets | 0.0580% | 3,029 |
| Net operating income to assets | 0.7647% | 3,614 |
| Return on assets (ROA) | 0.7662% | 3,701 |
| Pretax return on assets | 1.0063% | 3,588 |
| Return on Equity (ROE) | 8.9156% | 2,620 |
| Retained earnings to average equity (ytd only) | 1.9706% | 4,891 |
| Net charge-offs to loans | 0.0394% | 3,103 |
| Credit loss provision to net charge-offs | 337.1901% | 868 |
| Earnings coverage of net charge-offs (x) | 61.7931% | 899 |
| Efficiency ratio | 71.7241% | 2,925 |
| Assets per employee ($millions) | 3.9694% | 3,932 |
| Cash dividends to net income (ytd only)* | 77.8972% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 1,851 |
| Loan loss allowance to noncurrent loans | 44.6544% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 1.9594% | 1,053 |
| Noncurrent loans to loans | 3.5405% | 434 |
| Net loans and leases to total assets | 44.2553% | 5,346 |
| Net loans and leases to deposits | 56.6119% | 5,094 |
| Net loans and leases to core deposits | 60.1448% | 5,057 |
| Total domestic deposits to total assets | 78.1732% | 5,152 |
| Equity capital to assets | 8.5125% | 5,700 |
| Core capital (leverage) ratio | 9.1996% | 4,728 |
| Tier 1 risk-based capital ratio | 15.7195% | 2,939 |
| Total risk-based capital ratio | 16.9573% | 2,883 |
| Memoranda: | ||
| Average total assets | $938,430,750 | 737 |
| Average earning assets | $852,042,750 | 749 |
| Average equity | $80,650,500 | 950 |
| Average total loans | $409,093,500 | 1,124 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6468% | 4,585 |
| Cost of funding earning assets | 0.3521% | 3,782 |
| Net interest margin | 3.2948% | 4,319 |
| Noninterest income to average assets | 0.7576% | 1,964 |
| Noninterest expense to average assets | 2.7013% | 3,590 |
| Loan and lease loss provision to assets | 0.0571% | 2,955 |
| Net operating income to assets | 0.7561% | 3,619 |
| Return on assets (ROA) | 0.7561% | 3,714 |
| Pretax return on assets | 0.9884% | 3,629 |
| Return on Equity (ROE) | 8.7696% | 2,673 |
| Retained earnings to average equity (ytd only) | 1.7116% | 4,845 |
| Net charge-offs to loans | 0.0573% | 2,577 |
| Credit loss provision to net charge-offs | 231.3043% | 1,101 |
| Earnings coverage of net charge-offs (x) | 42.3217% | 1,091 |
| Efficiency ratio | 72.0961% | 2,989 |
| Assets per employee ($millions) | 3.7671% | 4,300 |
| Cash dividends to net income (ytd only)* | 80.4830% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 1,774 |
| Loan loss allowance to noncurrent loans | 52.5642% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 1.7614% | 1,327 |
| Noncurrent loans to loans | 3.1261% | 614 |
| Net loans and leases to total assets | 43.2310% | 5,426 |
| Net loans and leases to deposits | 55.3911% | 5,166 |
| Net loans and leases to core deposits | 59.0737% | 5,125 |
| Total domestic deposits to total assets | 78.0468% | 5,277 |
| Equity capital to assets | 8.5813% | 5,612 |
| Core capital (leverage) ratio | 9.3349% | 4,510 |
| Tier 1 risk-based capital ratio | 16.4102% | 2,655 |
| Total risk-based capital ratio | 17.6606% | 2,611 |
| Memoranda: | ||
| Average total assets | $931,041,330 | 746 |
| Average earning assets | $844,674,670 | 761 |
| Average equity | $80,277,000 | 957 |
| Average total loans | $401,476,330 | 1,149 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6440% | 4,554 |
| Cost of funding earning assets | 0.3551% | 3,804 |
| Net interest margin | 3.2889% | 4,268 |
| Noninterest income to average assets | 0.7411% | 1,957 |
| Noninterest expense to average assets | 2.7359% | 3,464 |
| Loan and lease loss provision to assets | 0.0789% | 2,377 |
| Net operating income to assets | 0.7051% | 3,773 |
| Return on assets (ROA) | 0.7051% | 3,898 |
| Pretax return on assets | 0.9074% | 3,862 |
| Return on Equity (ROE) | 8.1583% | 2,880 |
| Retained earnings to average equity (ytd only) | 2.5888% | 4,386 |
| Net charge-offs to loans | 0.1004% | 1,719 |
| Credit loss provision to net charge-offs | 184.0000% | 1,110 |
| Earnings coverage of net charge-offs (x) | 23.0100% | 1,334 |
| Efficiency ratio | 73.5030% | 2,900 |
| Assets per employee ($millions) | 3.8444% | 4,263 |
| Cash dividends to net income (ytd only)* | 68.2675% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6314% | 1,942 |
| Loan loss allowance to noncurrent loans | 49.9736% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 1.7710% | 1,384 |
| Noncurrent loans to loans | 3.2645% | 625 |
| Net loans and leases to total assets | 42.2453% | 5,467 |
| Net loans and leases to deposits | 55.6131% | 5,074 |
| Net loans and leases to core deposits | 58.5004% | 5,088 |
| Total domestic deposits to total assets | 75.9629% | 5,742 |
| Equity capital to assets | 8.6187% | 5,641 |
| Core capital (leverage) ratio | 9.3129% | 4,551 |
| Tier 1 risk-based capital ratio | 16.2736% | 2,787 |
| Total risk-based capital ratio | 17.5236% | 2,730 |
| Memoranda: | ||
| Average total assets | $933,210,500 | 746 |
| Average earning assets | $845,873,000 | 763 |
| Average equity | $80,654,000 | 949 |
| Average total loans | $398,556,500 | 1,154 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9194% | 4,057 |
| Cost of funding earning assets | 0.3772% | 3,940 |
| Net interest margin | 3.5422% | 3,628 |
| Noninterest income to average assets | 0.9005% | 1,501 |
| Noninterest expense to average assets | 2.9123% | 3,110 |
| Loan and lease loss provision to assets | 0.1037% | 2,424 |
| Net operating income to assets | 0.8539% | 3,099 |
| Return on assets (ROA) | 0.8552% | 3,188 |
| Pretax return on assets | 1.0715% | 3,201 |
| Return on Equity (ROE) | 10.3451% | 1,968 |
| Retained earnings to average equity (ytd only) | 4.4049% | 3,045 |
| Net charge-offs to loans | 0.6298% | 624 |
| Credit loss provision to net charge-offs | 37.5509% | 3,722 |
| Earnings coverage of net charge-offs (x) | 4.2510% | 3,700 |
| Efficiency ratio | 71.2774% | 3,330 |
| Assets per employee ($millions) | 3.6975% | 4,532 |
| Cash dividends to net income (ytd only)* | 57.4205% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 1,848 |
| Loan loss allowance to noncurrent loans | 51.3864% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 1.8228% | 1,429 |
| Noncurrent loans to loans | 3.2563% | 663 |
| Net loans and leases to total assets | 41.7533% | 5,639 |
| Net loans and leases to deposits | 55.0914% | 5,241 |
| Net loans and leases to core deposits | 58.8007% | 5,214 |
| Total domestic deposits to total assets | 75.7891% | 5,764 |
| Equity capital to assets | 8.6672% | 5,599 |
| Core capital (leverage) ratio | 9.3823% | 4,411 |
| Tier 1 risk-based capital ratio | 16.2183% | 2,853 |
| Total risk-based capital ratio | 17.4588% | 2,797 |
| Memoranda: | ||
| Average total assets | $890,368,400 | 748 |
| Average earning assets | $800,650,400 | 760 |
| Average equity | $73,600,400 | 993 |
| Average total loans | $390,287,800 | 1,133 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 3,811 |
| Cost of funding earning assets | 0.3739% | 4,087 |
| Net interest margin | 3.6126% | 3,379 |
| Noninterest income to average assets | 0.9385% | 1,402 |
| Noninterest expense to average assets | 2.9541% | 2,951 |
| Loan and lease loss provision to assets | 0.1175% | 2,103 |
| Net operating income to assets | 0.8912% | 2,949 |
| Return on assets (ROA) | 0.8931% | 3,047 |
| Pretax return on assets | 1.1131% | 3,138 |
| Return on Equity (ROE) | 10.9420% | 1,809 |
| Retained earnings to average equity (ytd only) | 4.9297% | 3,127 |
| Net charge-offs to loans | 0.7273% | 469 |
| Credit loss provision to net charge-offs | 36.5602% | 3,343 |
| Earnings coverage of net charge-offs (x) | 3.8219% | 3,585 |
| Efficiency ratio | 70.6305% | 3,400 |
| Assets per employee ($millions) | 3.6605% | 4,557 |
| Cash dividends to net income (ytd only)* | 54.9467% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 1,884 |
| Loan loss allowance to noncurrent loans | 45.2722% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 1.9259% | 1,514 |
| Noncurrent loans to loans | 3.8225% | 582 |
| Net loans and leases to total assets | 42.9451% | 5,603 |
| Net loans and leases to deposits | 54.8090% | 5,323 |
| Net loans and leases to core deposits | 58.4326% | 5,303 |
| Total domestic deposits to total assets | 78.3540% | 5,458 |
| Equity capital to assets | 8.7163% | 5,629 |
| Core capital (leverage) ratio | 9.7997% | 3,940 |
| Tier 1 risk-based capital ratio | 16.3589% | 2,872 |
| Total risk-based capital ratio | 17.6094% | 2,830 |
| Memoranda: | ||
| Average total assets | $882,788,250 | 758 |
| Average earning assets | $792,697,750 | 770 |
| Average equity | $72,051,000 | 1,017 |
| Average total loans | $390,119,750 | 1,130 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0226% | 3,644 |
| Cost of funding earning assets | 0.3708% | 4,199 |
| Net interest margin | 3.6518% | 3,135 |
| Noninterest income to average assets | 0.9605% | 1,306 |
| Noninterest expense to average assets | 3.0165% | 2,775 |
| Loan and lease loss provision to assets | 0.1301% | 1,896 |
| Net operating income to assets | 0.8966% | 2,829 |
| Return on assets (ROA) | 0.8983% | 2,915 |
| Pretax return on assets | 1.0884% | 3,139 |
| Return on Equity (ROE) | 11.2639% | 1,641 |
| Retained earnings to average equity (ytd only) | 5.0951% | 2,898 |
| Net charge-offs to loans | 0.0568% | 3,152 |
| Credit loss provision to net charge-offs | 516.2162% | 568 |
| Earnings coverage of net charge-offs (x) | 48.2523% | 929 |
| Efficiency ratio | 71.2615% | 3,460 |
| Assets per employee ($millions) | 3.6374% | 4,584 |
| Cash dividends to net income (ytd only)* | 54.7661% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1909% | 1,041 |
| Loan loss allowance to noncurrent loans | 55.9898% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 2.0980% | 1,496 |
| Noncurrent loans to loans | 3.9131% | 615 |
| Net loans and leases to total assets | 42.9514% | 5,611 |
| Net loans and leases to deposits | 54.9969% | 5,285 |
| Net loans and leases to core deposits | 58.7389% | 5,220 |
| Total domestic deposits to total assets | 78.0978% | 5,616 |
| Equity capital to assets | 8.5155% | 5,789 |
| Core capital (leverage) ratio | 9.6578% | 4,104 |
| Tier 1 risk-based capital ratio | 16.2002% | 2,978 |
| Total risk-based capital ratio | 17.4552% | 2,923 |
| Memoranda: | ||
| Average total assets | $880,553,670 | 764 |
| Average earning assets | $789,092,670 | 781 |
| Average equity | $70,224,330 | 1,038 |
| Average total loans | $390,586,330 | 1,125 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 3,505 |
| Cost of funding earning assets | 0.3710% | 4,305 |
| Net interest margin | 3.6731% | 2,978 |
| Noninterest income to average assets | 0.8072% | 1,718 |
| Noninterest expense to average assets | 2.8709% | 3,312 |
| Loan and lease loss provision to assets | 0.1651% | 1,465 |
| Net operating income to assets | 0.8369% | 2,967 |
| Return on assets (ROA) | 0.8369% | 3,037 |
| Pretax return on assets | 1.0626% | 3,073 |
| Return on Equity (ROE) | 10.8663% | 1,729 |
| Retained earnings to average equity (ytd only) | 4.4531% | 3,450 |
| Net charge-offs to loans | 0.0788% | 2,363 |
| Credit loss provision to net charge-offs | 470.1299% | 569 |
| Earnings coverage of net charge-offs (x) | 34.9610% | 955 |
| Efficiency ratio | 70.0456% | 3,834 |
| Assets per employee ($millions) | 3.5973% | 4,727 |
| Cash dividends to net income (ytd only)* | 59.0191% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1450% | 1,243 |
| Loan loss allowance to noncurrent loans | 55.8397% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 2.1590% | 1,541 |
| Noncurrent loans to loans | 3.8414% | 721 |
| Net loans and leases to total assets | 43.2831% | 5,570 |
| Net loans and leases to deposits | 55.3840% | 5,165 |
| Net loans and leases to core deposits | 59.1196% | 5,112 |
| Total domestic deposits to total assets | 78.1509% | 5,811 |
| Equity capital to assets | 8.0455% | 6,024 |
| Core capital (leverage) ratio | 9.4850% | 4,305 |
| Tier 1 risk-based capital ratio | 15.9079% | 3,211 |
| Total risk-based capital ratio | 17.1623% | 3,167 |
| Memoranda: | ||
| Average total assets | $877,068,500 | 773 |
| Average earning assets | $785,924,000 | 789 |
| Average equity | $67,548,000 | 1,086 |
| Average total loans | $391,008,000 | 1,135 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0717% | 3,840 |
| Cost of funding earning assets | 0.5176% | 3,424 |
| Net interest margin | 3.5541% | 3,659 |
| Noninterest income to average assets | 0.8193% | 1,987 |
| Noninterest expense to average assets | 2.7803% | 3,797 |
| Loan and lease loss provision to assets | 0.2513% | 1,438 |
| Net operating income to assets | 0.7858% | 3,364 |
| Return on assets (ROA) | 0.8243% | 3,255 |
| Pretax return on assets | 1.0322% | 3,219 |
| Return on Equity (ROE) | 9.6403% | 2,265 |
| Retained earnings to average equity (ytd only) | 3.8641% | 3,450 |
| Net charge-offs to loans | 0.2887% | 2,247 |
| Credit loss provision to net charge-offs | 203.8853% | 1,126 |
| Earnings coverage of net charge-offs (x) | 10.0222% | 2,433 |
| Efficiency ratio | 69.2382% | 3,968 |
| Assets per employee ($millions) | 3.5479% | 4,806 |
| Cash dividends to net income (ytd only)* | 59.9170% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0595% | 1,421 |
| Loan loss allowance to noncurrent loans | 51.4885% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 2.2271% | 1,597 |
| Noncurrent loans to loans | 3.9999% | 725 |
| Net loans and leases to total assets | 44.0086% | 5,671 |
| Net loans and leases to deposits | 58.5187% | 5,075 |
| Net loans and leases to core deposits | 62.4459% | 5,020 |
| Total domestic deposits to total assets | 75.2044% | 6,170 |
| Equity capital to assets | 7.3543% | 6,344 |
| Core capital (leverage) ratio | 9.4006% | 4,410 |
| Tier 1 risk-based capital ratio | 15.8400% | 3,184 |
| Total risk-based capital ratio | 17.0937% | 3,133 |
| Memoranda: | ||
| Average total assets | $877,061,200 | 753 |
| Average earning assets | $788,757,800 | 766 |
| Average equity | $74,998,000 | 956 |
| Average total loans | $374,493,400 | 1,134 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0591% | 3,899 |
| Cost of funding earning assets | 0.5475% | 3,286 |
| Net interest margin | 3.5116% | 3,828 |
| Noninterest income to average assets | 0.8012% | 2,139 |
| Noninterest expense to average assets | 2.7849% | 3,712 |
| Loan and lease loss provision to assets | 0.2777% | 1,254 |
| Net operating income to assets | 0.7231% | 3,739 |
| Return on assets (ROA) | 0.7745% | 3,616 |
| Pretax return on assets | 0.9628% | 3,638 |
| Return on Equity (ROE) | 8.7530% | 2,766 |
| Retained earnings to average equity (ytd only) | 3.1779% | 4,411 |
| Net charge-offs to loans | 0.3650% | 1,738 |
| Credit loss provision to net charge-offs | 180.5528% | 1,341 |
| Earnings coverage of net charge-offs (x) | 7.6476% | 2,764 |
| Efficiency ratio | 70.3055% | 3,703 |
| Assets per employee ($millions) | 3.5419% | 4,763 |
| Cash dividends to net income (ytd only)* | 63.6934% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 1,598 |
| Loan loss allowance to noncurrent loans | 55.6232% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 2.0849% | 1,920 |
| Noncurrent loans to loans | 3.6958% | 999 |
| Net loans and leases to total assets | 42.4876% | 5,858 |
| Net loans and leases to deposits | 56.9149% | 5,292 |
| Net loans and leases to core deposits | 60.9707% | 5,221 |
| Total domestic deposits to total assets | 74.6512% | 6,316 |
| Equity capital to assets | 7.6559% | 6,327 |
| Core capital (leverage) ratio | 9.3784% | 4,565 |
| Tier 1 risk-based capital ratio | 16.0654% | 3,159 |
| Total risk-based capital ratio | 17.3189% | 3,117 |
| Memoranda: | ||
| Average total assets | $878,127,750 | 759 |
| Average earning assets | $790,206,000 | 769 |
| Average equity | $77,700,500 | 930 |
| Average total loans | $370,071,250 | 1,152 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 4,007 |
| Cost of funding earning assets | 0.6093% | 2,855 |
| Net interest margin | 3.4169% | 4,128 |
| Noninterest income to average assets | 0.7649% | 2,352 |
| Noninterest expense to average assets | 2.8442% | 3,536 |
| Loan and lease loss provision to assets | 0.1702% | 2,208 |
| Net operating income to assets | 0.6707% | 3,957 |
| Return on assets (ROA) | 0.6992% | 3,986 |
| Pretax return on assets | 0.8662% | 4,036 |
| Return on Equity (ROE) | 7.5659% | 3,311 |
| Retained earnings to average equity (ytd only) | 2.2418% | 4,848 |
| Net charge-offs to loans | 0.4899% | 1,335 |
| Credit loss provision to net charge-offs | 83.2222% | 2,565 |
| Earnings coverage of net charge-offs (x) | 4.8967% | 3,008 |
| Efficiency ratio | 73.9647% | 3,140 |
| Assets per employee ($millions) | 3.5076% | 4,834 |
| Cash dividends to net income (ytd only)* | 70.3704% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 2,186 |
| Loan loss allowance to noncurrent loans | 48.0472% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 2.1639% | 1,996 |
| Noncurrent loans to loans | 3.9003% | 1,016 |
| Net loans and leases to total assets | 41.1161% | 5,958 |
| Net loans and leases to deposits | 54.3964% | 5,488 |
| Net loans and leases to core deposits | 58.4259% | 5,384 |
| Total domestic deposits to total assets | 75.5860% | 6,297 |
| Equity capital to assets | 8.2382% | 6,031 |
| Core capital (leverage) ratio | 9.0600% | 4,896 |
| Tier 1 risk-based capital ratio | 16.5647% | 2,907 |
| Total risk-based capital ratio | 17.8167% | 2,865 |
| Memoranda: | ||
| Average total assets | $880,398,670 | 751 |
| Average earning assets | $793,699,330 | 768 |
| Average equity | $81,365,000 | 888 |
| Average total loans | $367,438,000 | 1,154 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 4,172 |
| Cost of funding earning assets | 0.6154% | 2,965 |
| Net interest margin | 3.3716% | 4,228 |
| Noninterest income to average assets | 0.7365% | 2,395 |
| Noninterest expense to average assets | 2.9128% | 3,297 |
| Loan and lease loss provision to assets | 0.0789% | 3,324 |
| Net operating income to assets | 0.6509% | 3,961 |
| Return on assets (ROA) | 0.6509% | 4,116 |
| Pretax return on assets | 0.7897% | 4,207 |
| Return on Equity (ROE) | 6.6883% | 3,667 |
| Retained earnings to average equity (ytd only) | 1.6721% | 5,152 |
| Net charge-offs to loans | 0.3181% | 1,692 |
| Credit loss provision to net charge-offs | 59.5238% | 2,461 |
| Earnings coverage of net charge-offs (x) | 6.5544% | 2,199 |
| Efficiency ratio | 77.0294% | 2,760 |
| Assets per employee ($millions) | 3.6060% | 4,768 |
| Cash dividends to net income (ytd only)* | 75.0000% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8453% | 2,464 |
| Loan loss allowance to noncurrent loans | 43.0307% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 2.3005% | 2,023 |
| Noncurrent loans to loans | 4.2884% | 1,003 |
| Net loans and leases to total assets | 40.6535% | 5,944 |
| Net loans and leases to deposits | 55.0167% | 5,345 |
| Net loans and leases to core deposits | 59.0866% | 5,239 |
| Total domestic deposits to total assets | 73.8929% | 6,539 |
| Equity capital to assets | 9.5980% | 4,710 |
| Core capital (leverage) ratio | 8.9850% | 4,910 |
| Tier 1 risk-based capital ratio | 16.5152% | 2,993 |
| Total risk-based capital ratio | 17.7672% | 2,951 |
| Memoranda: | ||
| Average total assets | $887,403,500 | 748 |
| Average earning assets | $801,391,000 | 763 |
| Average equity | $86,360,000 | 830 |
| Average total loans | $369,643,000 | 1,153 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 3,426 |
| Cost of funding earning assets | 0.7462% | 3,111 |
| Net interest margin | 3.7460% | 3,461 |
| Noninterest income to average assets | 0.7973% | 2,272 |
| Noninterest expense to average assets | 3.0103% | 3,235 |
| Loan and lease loss provision to assets | 0.1810% | 3,368 |
| Net operating income to assets | 0.7688% | 3,423 |
| Return on assets (ROA) | 0.8119% | 3,478 |
| Pretax return on assets | 1.0165% | 3,490 |
| Return on Equity (ROE) | 8.1149% | 3,035 |
| Retained earnings to average equity (ytd only) | 3.0466% | 4,089 |
| Net charge-offs to loans | 0.3341% | 2,966 |
| Credit loss provision to net charge-offs | 121.4454% | 2,356 |
| Earnings coverage of net charge-offs (x) | 7.6748% | 2,553 |
| Efficiency ratio | 72.2518% | 3,370 |
| Assets per employee ($millions) | 3.5362% | 4,939 |
| Cash dividends to net income (ytd only)* | 62.4567% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8851% | 2,339 |
| Loan loss allowance to noncurrent loans | 47.1458% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 2.2069% | 2,221 |
| Noncurrent loans to loans | 3.9985% | 1,174 |
| Net loans and leases to total assets | 41.1051% | 6,088 |
| Net loans and leases to deposits | 56.1832% | 5,428 |
| Net loans and leases to core deposits | 60.6177% | 5,309 |
| Total domestic deposits to total assets | 73.1626% | 6,603 |
| Equity capital to assets | 9.8676% | 4,357 |
| Core capital (leverage) ratio | 9.3552% | 4,328 |
| Tier 1 risk-based capital ratio | 16.5626% | 2,855 |
| Total risk-based capital ratio | 17.8149% | 2,828 |
| Memoranda: | ||
| Average total assets | $854,295,200 | 766 |
| Average earning assets | $765,500,400 | 778 |
| Average equity | $85,472,600 | 819 |
| Average total loans | $380,999,600 | 1,096 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 3,165 |
| Cost of funding earning assets | 0.7692% | 3,198 |
| Net interest margin | 3.8408% | 3,155 |
| Noninterest income to average assets | 0.7730% | 2,364 |
| Noninterest expense to average assets | 2.9881% | 3,271 |
| Loan and lease loss provision to assets | 0.2089% | 2,983 |
| Net operating income to assets | 0.8095% | 3,403 |
| Return on assets (ROA) | 0.8150% | 3,617 |
| Pretax return on assets | 1.0132% | 3,660 |
| Return on Equity (ROE) | 8.1170% | 3,230 |
| Retained earnings to average equity (ytd only) | 3.0278% | 4,734 |
| Net charge-offs to loans | 0.1944% | 3,564 |
| Credit loss provision to net charge-offs | 237.1429% | 1,169 |
| Earnings coverage of net charge-offs (x) | 13.7964% | 1,884 |
| Efficiency ratio | 70.8026% | 3,533 |
| Assets per employee ($millions) | 3.4174% | 5,167 |
| Cash dividends to net income (ytd only)* | 62.6978% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9696% | 2,262 |
| Loan loss allowance to noncurrent loans | 50.9508% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 2.3156% | 2,296 |
| Noncurrent loans to loans | 3.8657% | 1,345 |
| Net loans and leases to total assets | 43.7452% | 5,989 |
| Net loans and leases to deposits | 59.9309% | 5,215 |
| Net loans and leases to core deposits | 64.9948% | 5,054 |
| Total domestic deposits to total assets | 72.9928% | 6,679 |
| Equity capital to assets | 10.1965% | 4,208 |
| Core capital (leverage) ratio | 9.3729% | 4,471 |
| Tier 1 risk-based capital ratio | 16.5846% | 2,951 |
| Total risk-based capital ratio | 17.8386% | 2,924 |
| Memoranda: | ||
| Average total assets | $847,740,500 | 781 |
| Average earning assets | $757,107,250 | 793 |
| Average equity | $85,119,250 | 827 |
| Average total loans | $384,027,000 | 1,101 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7505% | 2,715 |
| Cost of funding earning assets | 0.7881% | 3,294 |
| Net interest margin | 3.9624% | 2,669 |
| Noninterest income to average assets | 0.7261% | 2,527 |
| Noninterest expense to average assets | 3.0212% | 3,180 |
| Loan and lease loss provision to assets | 0.2043% | 3,027 |
| Net operating income to assets | 0.8187% | 3,306 |
| Return on assets (ROA) | 0.8259% | 3,533 |
| Pretax return on assets | 1.0321% | 3,590 |
| Return on Equity (ROE) | 8.2682% | 3,130 |
| Retained earnings to average equity (ytd only) | 3.1528% | 4,523 |
| Net charge-offs to loans | 0.1741% | 3,554 |
| Credit loss provision to net charge-offs | 257.7381% | 1,114 |
| Earnings coverage of net charge-offs (x) | 15.4851% | 1,645 |
| Efficiency ratio | 70.6830% | 3,657 |
| Assets per employee ($millions) | 3.3509% | 5,328 |
| Cash dividends to net income (ytd only)* | 61.8680% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8768% | 2,624 |
| Loan loss allowance to noncurrent loans | 64.4760% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.8527% | 2,964 |
| Noncurrent loans to loans | 2.9108% | 2,052 |
| Net loans and leases to total assets | 44.6465% | 5,952 |
| Net loans and leases to deposits | 63.5567% | 4,822 |
| Net loans and leases to core deposits | 69.0046% | 4,669 |
| Total domestic deposits to total assets | 70.2467% | 6,896 |
| Equity capital to assets | 10.2358% | 4,010 |
| Core capital (leverage) ratio | 9.4324% | 4,248 |
| Tier 1 risk-based capital ratio | 16.3389% | 2,985 |
| Total risk-based capital ratio | 17.5921% | 2,961 |
| Memoranda: | ||
| Average total assets | $847,813,000 | 781 |
| Average earning assets | $753,686,000 | 798 |
| Average equity | $84,686,330 | 818 |
| Average total loans | $385,969,330 | 1,096 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 3,121 |
| Cost of funding earning assets | 0.7956% | 3,509 |
| Net interest margin | 3.8870% | 2,978 |
| Noninterest income to average assets | 0.7515% | 2,392 |
| Noninterest expense to average assets | 2.9985% | 3,255 |
| Loan and lease loss provision to assets | 0.2524% | 2,433 |
| Net operating income to assets | 0.7885% | 3,435 |
| Return on assets (ROA) | 0.7995% | 3,616 |
| Pretax return on assets | 0.9926% | 3,700 |
| Return on Equity (ROE) | 8.1039% | 3,241 |
| Retained earnings to average equity (ytd only) | 2.9351% | 4,787 |
| Net charge-offs to loans | 0.1499% | 3,197 |
| Credit loss provision to net charge-offs | 369.6552% | 843 |
| Earnings coverage of net charge-offs (x) | 18.0345% | 1,282 |
| Efficiency ratio | 70.3774% | 3,748 |
| Assets per employee ($millions) | 3.3281% | 5,498 |
| Cash dividends to net income (ytd only)* | 63.7809% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8396% | 2,872 |
| Loan loss allowance to noncurrent loans | 62.5896% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.8913% | 3,058 |
| Noncurrent loans to loans | 2.9392% | 2,193 |
| Net loans and leases to total assets | 44.6389% | 5,939 |
| Net loans and leases to deposits | 64.4820% | 4,565 |
| Net loans and leases to core deposits | 69.9016% | 4,439 |
| Total domestic deposits to total assets | 69.2270% | 7,012 |
| Equity capital to assets | 9.8477% | 4,312 |
| Core capital (leverage) ratio | 9.3662% | 4,250 |
| Tier 1 risk-based capital ratio | 16.1921% | 3,079 |
| Total risk-based capital ratio | 17.4448% | 3,032 |
| Memoranda: | ||
| Average total assets | $849,500,500 | 781 |
| Average earning assets | $760,166,000 | 793 |
| Average equity | $83,812,000 | 822 |
| Average total loans | $386,842,500 | 1,098 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9383% | 3,162 |
| Cost of funding earning assets | 0.8875% | 4,205 |
| Net interest margin | 4.0507% | 2,633 |
| Noninterest income to average assets | 0.8005% | 2,057 |
| Noninterest expense to average assets | 3.1098% | 3,163 |
| Loan and lease loss provision to assets | 0.3587% | 2,851 |
| Net operating income to assets | 0.8083% | 3,001 |
| Return on assets (ROA) | 0.8802% | 2,825 |
| Pretax return on assets | 1.0503% | 3,032 |
| Return on Equity (ROE) | 9.1382% | 2,391 |
| Retained earnings to average equity (ytd only) | 3.7515% | 3,550 |
| Net charge-offs to loans | 0.6590% | 2,506 |
| Credit loss provision to net charge-offs | 111.2143% | 2,993 |
| Earnings coverage of net charge-offs (x) | 4.1029% | 3,267 |
| Efficiency ratio | 69.6477% | 4,029 |
| Assets per employee ($millions) | 3.2960% | 5,519 |
| Cash dividends to net income (ytd only)* | 58.9468% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7163% | 3,139 |
| Loan loss allowance to noncurrent loans | 57.7541% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 1.9255% | 3,072 |
| Noncurrent loans to loans | 2.9718% | 2,182 |
| Net loans and leases to total assets | 44.8166% | 6,135 |
| Net loans and leases to deposits | 66.6802% | 4,641 |
| Net loans and leases to core deposits | 72.0018% | 4,535 |
| Total domestic deposits to total assets | 67.2112% | 7,101 |
| Equity capital to assets | 9.8841% | 4,320 |
| Core capital (leverage) ratio | 9.3127% | 4,308 |
| Tier 1 risk-based capital ratio | 15.9310% | 3,081 |
| Total risk-based capital ratio | 17.1827% | 3,042 |
| Memoranda: | ||
| Average total assets | $834,889,800 | 781 |
| Average earning assets | $748,726,400 | 790 |
| Average equity | $80,420,600 | 830 |
| Average total loans | $408,635,400 | 1,035 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0381% | 2,900 |
| Cost of funding earning assets | 0.9004% | 4,394 |
| Net interest margin | 4.1377% | 2,319 |
| Noninterest income to average assets | 0.7882% | 2,109 |
| Noninterest expense to average assets | 3.0732% | 3,269 |
| Loan and lease loss provision to assets | 0.4155% | 2,384 |
| Net operating income to assets | 0.8109% | 3,105 |
| Return on assets (ROA) | 0.8934% | 2,917 |
| Pretax return on assets | 1.1237% | 2,915 |
| Return on Equity (ROE) | 9.3378% | 2,449 |
| Retained earnings to average equity (ytd only) | 3.8842% | 3,954 |
| Net charge-offs to loans | 0.5037% | 2,747 |
| Credit loss provision to net charge-offs | 165.6210% | 1,840 |
| Earnings coverage of net charge-offs (x) | 5.7247% | 2,713 |
| Efficiency ratio | 67.6615% | 4,388 |
| Assets per employee ($millions) | 3.2278% | 5,617 |
| Cash dividends to net income (ytd only)* | 58.4037% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8236% | 2,852 |
| Loan loss allowance to noncurrent loans | 62.9164% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.9757% | 3,171 |
| Noncurrent loans to loans | 2.8985% | 2,408 |
| Net loans and leases to total assets | 48.2382% | 5,931 |
| Net loans and leases to deposits | 70.0973% | 4,288 |
| Net loans and leases to core deposits | 75.7648% | 4,218 |
| Total domestic deposits to total assets | 68.8161% | 7,101 |
| Equity capital to assets | 10.1778% | 4,121 |
| Core capital (leverage) ratio | 9.1574% | 4,697 |
| Tier 1 risk-based capital ratio | 15.5853% | 3,340 |
| Total risk-based capital ratio | 16.8385% | 3,300 |
| Memoranda: | ||
| Average total assets | $830,197,250 | 793 |
| Average earning assets | $746,609,000 | 802 |
| Average equity | $79,431,500 | 852 |
| Average total loans | $413,478,750 | 1,026 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0290% | 3,018 |
| Cost of funding earning assets | 0.9237% | 4,492 |
| Net interest margin | 4.1053% | 2,390 |
| Noninterest income to average assets | 0.7430% | 2,297 |
| Noninterest expense to average assets | 3.0074% | 3,615 |
| Loan and lease loss provision to assets | 0.2230% | 3,690 |
| Net operating income to assets | 0.9355% | 2,494 |
| Return on assets (ROA) | 0.9366% | 2,588 |
| Pretax return on assets | 1.2034% | 2,467 |
| Return on Equity (ROE) | 10.0006% | 2,113 |
| Retained earnings to average equity (ytd only) | 4.4379% | 3,367 |
| Net charge-offs to loans | 0.4548% | 2,758 |
| Credit loss provision to net charge-offs | 97.9915% | 3,220 |
| Earnings coverage of net charge-offs (x) | 6.2622% | 2,432 |
| Efficiency ratio | 67.3523% | 4,638 |
| Assets per employee ($millions) | 3.2251% | 5,584 |
| Cash dividends to net income (ytd only)* | 55.6240% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 3,931 |
| Loan loss allowance to noncurrent loans | 60.5657% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.6153% | 3,775 |
| Noncurrent loans to loans | 2.5461% | 2,838 |
| Net loans and leases to total assets | 48.0571% | 6,042 |
| Net loans and leases to deposits | 74.0295% | 3,803 |
| Net loans and leases to core deposits | 80.0786% | 3,775 |
| Total domestic deposits to total assets | 64.9161% | 7,289 |
| Equity capital to assets | 9.6679% | 4,577 |
| Core capital (leverage) ratio | 9.1550% | 4,483 |
| Tier 1 risk-based capital ratio | 15.2741% | 3,362 |
| Total risk-based capital ratio | 16.5246% | 3,318 |
| Memoranda: | ||
| Average total assets | $831,494,670 | 805 |
| Average earning assets | $747,223,000 | 812 |
| Average equity | $77,875,330 | 871 |
| Average total loans | $415,972,000 | 1,030 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0491% | 2,861 |
| Cost of funding earning assets | 0.9551% | 4,531 |
| Net interest margin | 4.0939% | 2,290 |
| Noninterest income to average assets | 0.7629% | 2,204 |
| Noninterest expense to average assets | 3.0734% | 3,368 |
| Loan and lease loss provision to assets | 0.1183% | 4,530 |
| Net operating income to assets | 0.9637% | 2,301 |
| Return on assets (ROA) | 0.9637% | 2,368 |
| Pretax return on assets | 1.2464% | 2,204 |
| Return on Equity (ROE) | 10.4624% | 1,919 |
| Retained earnings to average equity (ytd only) | 4.7600% | 3,331 |
| Net charge-offs to loans | 0.0948% | 3,994 |
| Credit loss provision to net charge-offs | 246.4646% | 1,274 |
| Earnings coverage of net charge-offs (x) | 28.4242% | 858 |
| Efficiency ratio | 68.7466% | 4,517 |
| Assets per employee ($millions) | 3.1989% | 5,717 |
| Cash dividends to net income (ytd only)* | 54.5043% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 3,829 |
| Loan loss allowance to noncurrent loans | 60.6432% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.6719% | 3,743 |
| Noncurrent loans to loans | 2.6010% | 2,897 |
| Net loans and leases to total assets | 48.9455% | 5,965 |
| Net loans and leases to deposits | 74.3109% | 3,713 |
| Net loans and leases to core deposits | 80.4182% | 3,682 |
| Total domestic deposits to total assets | 65.8659% | 7,332 |
| Equity capital to assets | 9.2838% | 4,757 |
| Core capital (leverage) ratio | 9.0789% | 4,481 |
| Tier 1 risk-based capital ratio | 14.9667% | 3,443 |
| Total risk-based capital ratio | 16.2174% | 3,406 |
| Memoranda: | ||
| Average total assets | $824,753,000 | 816 |
| Average earning assets | $740,411,000 | 823 |
| Average equity | $75,967,000 | 882 |
| Average total loans | $417,742,000 | 1,038 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0670% | 4,254 |
| Cost of funding earning assets | 1.1599% | 4,791 |
| Net interest margin | 3.9071% | 3,453 |
| Noninterest income to average assets | 0.7566% | 2,504 |
| Noninterest expense to average assets | 2.9260% | 4,121 |
| Loan and lease loss provision to assets | 0.2942% | 4,447 |
| Net operating income to assets | 0.8170% | 2,722 |
| Return on assets (ROA) | 0.8783% | 2,611 |
| Pretax return on assets | 1.1389% | 2,435 |
| Return on Equity (ROE) | 9.6235% | 2,065 |
| Retained earnings to average equity (ytd only) | 3.5150% | 3,400 |
| Net charge-offs to loans | 0.3677% | 4,192 |
| Credit loss provision to net charge-offs | 153.2127% | 2,328 |
| Earnings coverage of net charge-offs (x) | 7.0480% | 2,208 |
| Efficiency ratio | 67.8563% | 4,591 |
| Assets per employee ($millions) | 3.0860% | 5,909 |
| Cash dividends to net income (ytd only)* | 63.4752% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 3,942 |
| Loan loss allowance to noncurrent loans | 53.3584% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 1.8370% | 3,580 |
| Noncurrent loans to loans | 2.8338% | 2,685 |
| Net loans and leases to total assets | 50.8068% | 6,068 |
| Net loans and leases to deposits | 77.1541% | 3,646 |
| Net loans and leases to core deposits | 83.4090% | 3,685 |
| Total domestic deposits to total assets | 65.8511% | 7,398 |
| Equity capital to assets | 9.1367% | 4,936 |
| Core capital (leverage) ratio | 8.8476% | 4,780 |
| Tier 1 risk-based capital ratio | 14.8156% | 3,363 |
| Total risk-based capital ratio | 16.0660% | 3,318 |
| Memoranda: | ||
| Average total assets | $834,787,800 | 810 |
| Average earning assets | $752,673,600 | 811 |
| Average equity | $76,188,600 | 864 |
| Average total loans | $435,934,800 | 1,029 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0724% | 4,464 |
| Cost of funding earning assets | 1.1865% | 4,931 |
| Net interest margin | 3.8859% | 3,584 |
| Noninterest income to average assets | 0.7110% | 2,756 |
| Noninterest expense to average assets | 2.9099% | 4,049 |
| Loan and lease loss provision to assets | 0.2728% | 4,402 |
| Net operating income to assets | 0.8122% | 2,949 |
| Return on assets (ROA) | 0.8920% | 2,789 |
| Pretax return on assets | 1.1338% | 2,719 |
| Return on Equity (ROE) | 9.7756% | 2,217 |
| Retained earnings to average equity (ytd only) | 3.5564% | 3,947 |
| Net charge-offs to loans | 0.2876% | 4,220 |
| Credit loss provision to net charge-offs | 181.1181% | 2,020 |
| Earnings coverage of net charge-offs (x) | 8.6677% | 2,126 |
| Efficiency ratio | 68.5062% | 4,373 |
| Assets per employee ($millions) | 3.1907% | 5,692 |
| Cash dividends to net income (ytd only)* | 63.6201% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 4,129 |
| Loan loss allowance to noncurrent loans | 51.6195% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.8052% | 3,740 |
| Noncurrent loans to loans | 2.8389% | 2,816 |
| Net loans and leases to total assets | 50.2496% | 6,297 |
| Net loans and leases to deposits | 75.6468% | 4,237 |
| Net loans and leases to core deposits | 83.5715% | 4,010 |
| Total domestic deposits to total assets | 66.4266% | 7,454 |
| Equity capital to assets | 9.4758% | 4,883 |
| Core capital (leverage) ratio | 8.6865% | 5,209 |
| Tier 1 risk-based capital ratio | 14.3386% | 3,603 |
| Total risk-based capital ratio | 15.5780% | 3,577 |
| Memoranda: | ||
| Average total assets | $839,035,250 | 800 |
| Average earning assets | $756,726,000 | 807 |
| Average equity | $76,555,750 | 863 |
| Average total loans | $439,449,500 | 1,024 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1113% | 4,392 |
| Cost of funding earning assets | 1.2038% | 5,111 |
| Net interest margin | 3.9075% | 3,411 |
| Noninterest income to average assets | 0.6614% | 2,949 |
| Noninterest expense to average assets | 2.8737% | 4,166 |
| Loan and lease loss provision to assets | 0.3151% | 3,860 |
| Net operating income to assets | 0.7845% | 3,048 |
| Return on assets (ROA) | 0.8996% | 2,671 |
| Pretax return on assets | 1.1466% | 2,598 |
| Return on Equity (ROE) | 9.9883% | 2,109 |
| Retained earnings to average equity (ytd only) | 3.2437% | 4,038 |
| Net charge-offs to loans | 0.3758% | 3,481 |
| Credit loss provision to net charge-offs | 158.6538% | 2,480 |
| Earnings coverage of net charge-offs (x) | 6.6178% | 2,436 |
| Efficiency ratio | 68.0953% | 4,564 |
| Assets per employee ($millions) | 3.0908% | 5,940 |
| Cash dividends to net income (ytd only)* | 67.5245% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 4,504 |
| Loan loss allowance to noncurrent loans | 42.0972% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 2.0890% | 3,393 |
| Noncurrent loans to loans | 3.2880% | 2,434 |
| Net loans and leases to total assets | 51.9207% | 6,223 |
| Net loans and leases to deposits | 77.8105% | 4,011 |
| Net loans and leases to core deposits | 89.2373% | 3,380 |
| Total domestic deposits to total assets | 66.7272% | 7,499 |
| Equity capital to assets | 9.3446% | 4,939 |
| Core capital (leverage) ratio | 8.6738% | 5,120 |
| Tier 1 risk-based capital ratio | 14.1489% | 3,637 |
| Total risk-based capital ratio | 15.3314% | 3,633 |
| Memoranda: | ||
| Average total assets | $837,936,000 | 809 |
| Average earning assets | $756,245,330 | 814 |
| Average equity | $75,468,330 | 869 |
| Average total loans | $442,744,670 | 1,028 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1794% | 4,135 |
| Cost of funding earning assets | 1.2121% | 5,333 |
| Net interest margin | 3.9673% | 3,012 |
| Noninterest income to average assets | 0.5041% | 4,024 |
| Noninterest expense to average assets | 2.8285% | 4,377 |
| Loan and lease loss provision to assets | 0.2961% | 3,666 |
| Net operating income to assets | 0.7474% | 3,227 |
| Return on assets (ROA) | 0.9513% | 2,424 |
| Pretax return on assets | 1.2280% | 2,273 |
| Return on Equity (ROE) | 10.7604% | 1,851 |
| Retained earnings to average equity (ytd only) | 2.6204% | 4,572 |
| Net charge-offs to loans | 0.3795% | 2,915 |
| Credit loss provision to net charge-offs | 147.4057% | 2,415 |
| Earnings coverage of net charge-offs (x) | 6.2689% | 2,254 |
| Efficiency ratio | 68.6602% | 4,586 |
| Assets per employee ($millions) | 3.1786% | 5,814 |
| Cash dividends to net income (ytd only)* | 75.6474% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 5,035 |
| Loan loss allowance to noncurrent loans | 48.7114% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 1.7059% | 3,919 |
| Noncurrent loans to loans | 2.6330% | 3,035 |
| Net loans and leases to total assets | 51.9381% | 6,279 |
| Net loans and leases to deposits | 76.4958% | 4,319 |
| Net loans and leases to core deposits | 87.7448% | 3,652 |
| Total domestic deposits to total assets | 67.8967% | 7,533 |
| Equity capital to assets | 8.9453% | 5,356 |
| Core capital (leverage) ratio | 8.5048% | 5,364 |
| Tier 1 risk-based capital ratio | 13.6416% | 3,900 |
| Total risk-based capital ratio | 14.7392% | 3,956 |
| Memoranda: | ||
| Average total assets | $844,276,000 | 815 |
| Average earning assets | $762,636,500 | 822 |
| Average equity | $74,644,000 | 885 |
| Average total loans | $446,870,500 | 1,046 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6405% | 3,393 |
| Cost of funding earning assets | 1.5645% | 5,208 |
| Net interest margin | 4.0761% | 2,546 |
| Noninterest income to average assets | 0.9292% | 1,835 |
| Noninterest expense to average assets | 3.1794% | 3,447 |
| Loan and lease loss provision to assets | 0.3741% | 4,539 |
| Net operating income to assets | 0.8457% | 2,367 |
| Return on assets (ROA) | 0.9034% | 2,231 |
| Pretax return on assets | 1.1160% | 2,200 |
| Return on Equity (ROE) | 10.1325% | 1,652 |
| Retained earnings to average equity (ytd only) | 4.4959% | 2,105 |
| Net charge-offs to loans | 0.4456% | 4,007 |
| Credit loss provision to net charge-offs | 153.2553% | 2,989 |
| Earnings coverage of net charge-offs (x) | 5.8123% | 2,492 |
| Efficiency ratio | 68.6425% | 4,897 |
| Assets per employee ($millions) | 3.1338% | 5,903 |
| Cash dividends to net income (ytd only)* | 55.6289% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 5,138 |
| Loan loss allowance to noncurrent loans | 49.7121% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 1.7080% | 3,807 |
| Noncurrent loans to loans | 2.4856% | 3,055 |
| Net loans and leases to total assets | 52.5913% | 6,351 |
| Net loans and leases to deposits | 77.3737% | 4,489 |
| Net loans and leases to core deposits | 103.0700% | 3,682 |
| Total domestic deposits to total assets | 67.9705% | 7,551 |
| Equity capital to assets | 8.7359% | 5,539 |
| Core capital (leverage) ratio | 8.5836% | 5,127 |
| Tier 1 risk-based capital ratio | 13.6645% | 3,708 |
| Total risk-based capital ratio | 14.7334% | 3,780 |
| Memoranda: | ||
| Average total assets | $805,305,800 | 850 |
| Average earning assets | $724,916,800 | 862 |
| Average equity | $71,799,000 | 912 |
| Average total loans | $441,212,400 | 1,088 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7220% | 3,231 |
| Cost of funding earning assets | 1.6325% | 5,240 |
| Net interest margin | 4.0895% | 2,445 |
| Noninterest income to average assets | 0.8259% | 2,308 |
| Noninterest expense to average assets | 3.0229% | 3,958 |
| Loan and lease loss provision to assets | 0.3787% | 4,061 |
| Net operating income to assets | 0.8626% | 2,565 |
| Return on assets (ROA) | 0.9315% | 2,368 |
| Pretax return on assets | 1.1883% | 2,304 |
| Return on Equity (ROE) | 10.3929% | 1,789 |
| Retained earnings to average equity (ytd only) | 4.8585% | 2,576 |
| Net charge-offs to loans | 0.3684% | 3,811 |
| Credit loss provision to net charge-offs | 186.2551% | 2,446 |
| Earnings coverage of net charge-offs (x) | 7.2716% | 2,436 |
| Efficiency ratio | 66.6357% | 5,259 |
| Assets per employee ($millions) | 3.0557% | 6,025 |
| Cash dividends to net income (ytd only)* | 53.2519% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 4,921 |
| Loan loss allowance to noncurrent loans | 53.4681% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.7407% | 3,754 |
| Noncurrent loans to loans | 2.3132% | 3,249 |
| Net loans and leases to total assets | 53.8934% | 6,393 |
| Net loans and leases to deposits | 78.5243% | 4,655 |
| Net loans and leases to core deposits | 107.2191% | 3,567 |
| Total domestic deposits to total assets | 68.6328% | 7,523 |
| Equity capital to assets | 9.1713% | 5,214 |
| Core capital (leverage) ratio | 8.5419% | 5,417 |
| Tier 1 risk-based capital ratio | 13.9790% | 3,563 |
| Total risk-based capital ratio | 15.0832% | 3,603 |
| Memoranda: | ||
| Average total assets | $796,666,500 | 871 |
| Average earning assets | $716,023,500 | 882 |
| Average equity | $71,406,250 | 929 |
| Average total loans | $439,710,250 | 1,110 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7200% | 3,436 |
| Cost of funding earning assets | 1.7269% | 5,140 |
| Net interest margin | 3.9930% | 2,725 |
| Noninterest income to average assets | 0.8162% | 2,331 |
| Noninterest expense to average assets | 2.9365% | 4,355 |
| Loan and lease loss provision to assets | 0.2889% | 4,266 |
| Net operating income to assets | 0.9146% | 2,398 |
| Return on assets (ROA) | 0.9579% | 2,353 |
| Pretax return on assets | 1.2293% | 2,218 |
| Return on Equity (ROE) | 10.7734% | 1,761 |
| Retained earnings to average equity (ytd only) | 5.0874% | 2,460 |
| Net charge-offs to loans | 0.3389% | 3,478 |
| Credit loss provision to net charge-offs | 153.8462% | 2,983 |
| Earnings coverage of net charge-offs (x) | 7.7895% | 2,385 |
| Efficiency ratio | 66.2212% | 5,514 |
| Assets per employee ($millions) | 3.0204% | 6,079 |
| Cash dividends to net income (ytd only)* | 52.7778% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 5,570 |
| Loan loss allowance to noncurrent loans | 67.9861% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.3112% | 4,325 |
| Noncurrent loans to loans | 1.6244% | 4,058 |
| Net loans and leases to total assets | 53.5634% | 6,510 |
| Net loans and leases to deposits | 76.3076% | 5,115 |
| Net loans and leases to core deposits | 102.9314% | 4,186 |
| Total domestic deposits to total assets | 70.1941% | 7,452 |
| Equity capital to assets | 8.5401% | 5,990 |
| Core capital (leverage) ratio | 8.5824% | 5,291 |
| Tier 1 risk-based capital ratio | 14.2729% | 3,368 |
| Total risk-based capital ratio | 15.2802% | 3,445 |
| Memoranda: | ||
| Average total assets | $789,248,000 | 891 |
| Average earning assets | $708,187,670 | 907 |
| Average equity | $70,173,000 | 951 |
| Average total loans | $437,323,000 | 1,145 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7492% | 3,537 |
| Cost of funding earning assets | 1.8624% | 4,819 |
| Net interest margin | 3.8867% | 3,092 |
| Noninterest income to average assets | 0.7952% | 2,355 |
| Noninterest expense to average assets | 2.8758% | 4,246 |
| Loan and lease loss provision to assets | 0.1629% | 4,853 |
| Net operating income to assets | 0.9637% | 2,465 |
| Return on assets (ROA) | 0.9710% | 2,560 |
| Pretax return on assets | 1.2441% | 2,470 |
| Return on Equity (ROE) | 10.6989% | 2,066 |
| Retained earnings to average equity (ytd only) | 4.8724% | 3,204 |
| Net charge-offs to loans | 0.1030% | 4,147 |
| Credit loss provision to net charge-offs | 282.1429% | 1,706 |
| Earnings coverage of net charge-offs (x) | 24.2143% | 1,245 |
| Efficiency ratio | 66.7390% | 5,189 |
| Assets per employee ($millions) | 3.0499% | 6,025 |
| Cash dividends to net income (ytd only)* | 54.4586% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 5,745 |
| Loan loss allowance to noncurrent loans | 225.1442% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6682% | 5,493 |
| Noncurrent loans to loans | 0.4710% | 6,240 |
| Net loans and leases to total assets | 55.5228% | 6,303 |
| Net loans and leases to deposits | 77.2136% | 5,056 |
| Net loans and leases to core deposits | 108.3578% | 3,629 |
| Total domestic deposits to total assets | 71.9081% | 7,218 |
| Equity capital to assets | 9.0445% | 5,303 |
| Core capital (leverage) ratio | 8.9304% | 4,823 |
| Tier 1 risk-based capital ratio | 14.1876% | 3,483 |
| Total risk-based capital ratio | 15.1627% | 3,561 |
| Memoranda: | ||
| Average total assets | $776,119,000 | 901 |
| Average earning assets | $694,570,500 | 921 |
| Average equity | $70,437,000 | 957 |
| Average total loans | $435,139,000 | 1,161 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2718% | 4,112 |
| Cost of funding earning assets | 2.1852% | 5,661 |
| Net interest margin | 4.0865% | 2,774 |
| Noninterest income to average assets | 1.1079% | 1,279 |
| Noninterest expense to average assets | 3.0609% | 3,858 |
| Loan and lease loss provision to assets | 0.1727% | 5,176 |
| Net operating income to assets | 1.1805% | 1,839 |
| Return on assets (ROA) | 1.1814% | 1,765 |
| Pretax return on assets | 1.5126% | 1,645 |
| Return on Equity (ROE) | 12.3099% | 1,510 |
| Retained earnings to average equity (ytd only) | 5.0184% | 2,020 |
| Net charge-offs to loans | 0.1784% | 4,411 |
| Credit loss provision to net charge-offs | 171.6690% | 2,976 |
| Earnings coverage of net charge-offs (x) | 16.7391% | 1,821 |
| Efficiency ratio | 63.2160% | 5,732 |
| Assets per employee ($millions) | 2.9102% | 6,267 |
| Cash dividends to net income (ytd only)* | 59.2332% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 5,670 |
| Loan loss allowance to noncurrent loans | 193.4773% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.7434% | 4,992 |
| Noncurrent loans to loans | 0.5400% | 5,743 |
| Net loans and leases to total assets | 55.4274% | 6,494 |
| Net loans and leases to deposits | 77.5627% | 5,395 |
| Net loans and leases to core deposits | 103.7928% | 4,411 |
| Total domestic deposits to total assets | 71.4615% | 7,093 |
| Equity capital to assets | 9.1075% | 5,217 |
| Core capital (leverage) ratio | 9.2455% | 4,371 |
| Tier 1 risk-based capital ratio | 14.3903% | 3,347 |
| Total risk-based capital ratio | 15.3490% | 3,412 |
| Memoranda: | ||
| Average total assets | $708,638,800 | 945 |
| Average earning assets | $630,730,600 | 961 |
| Average equity | $68,010,400 | 982 |
| Average total loans | $399,748,600 | 1,211 |