Home > The Citizens Bank of Winfield > Performance and Condition Ratios
The Citizens Bank of Winfield, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4781% | 2,139 |
| Cost of funding earning assets | 3.3540% | 157 |
| Net interest margin | 2.1240% | 4,248 |
| Noninterest income to average assets | 0.3500% | 2,536 |
| Noninterest expense to average assets | 1.8855% | 3,776 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 0.2361% | 3,936 |
| Return on assets (ROA) | 0.2361% | 3,968 |
| Pretax return on assets | 0.2803% | 3,954 |
| Return on Equity (ROE) | 2.8200% | 3,890 |
| Retained earnings to average equity (ytd only) | 2.8187% | 3,132 |
| Net charge-offs to loans | 0.2906% | 406 |
| Credit loss provision to net charge-offs | 57.5758% | 1,509 |
| Earnings coverage of net charge-offs (x) | 3.4545% | 2,012 |
| Efficiency ratio | 84.8606% | 700 |
| Assets per employee ($millions) | 7.9794% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 2,873 |
| Loan loss allowance to noncurrent loans | 106.1889% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3561% | 1,906 |
| Noncurrent loans to loans | 1.0078% | 1,050 |
| Net loans and leases to total assets | 33.3200% | 4,134 |
| Net loans and leases to deposits | 41.4630% | 4,096 |
| Net loans and leases to core deposits | 60.7495% | 3,664 |
| Total domestic deposits to total assets | 80.3700% | 3,559 |
| Equity capital to assets | 8.7395% | 3,132 |
| Core capital (leverage) ratio | 18.3437% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $271,128,000 | 2,617 |
| Average earning assets | $239,354,500 | 2,689 |
| Average equity | $22,705,500 | 2,843 |
| Average total loans | $90,856,500 | 3,313 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2800% | 2,567 |
| Cost of funding earning assets | 3.9676% | 74 |
| Net interest margin | 1.3124% | 4,399 |
| Noninterest income to average assets | 0.3200% | 2,938 |
| Noninterest expense to average assets | 1.5995% | 4,179 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | -0.0462% | 4,216 |
| Return on assets (ROA) | -0.5915% | 4,388 |
| Pretax return on assets | -0.8836% | 4,411 |
| Return on Equity (ROE) | -7.2900% | 4,388 |
| Retained earnings to average equity (ytd only) | -7.3735% | 4,356 |
| Net charge-offs to loans | 0.5800% | 257 |
| Credit loss provision to net charge-offs | 57.7869% | 2,295 |
| Earnings coverage of net charge-offs (x) | -0.6352% | 4,412 |
| Efficiency ratio | 106.6253% | 203 |
| Assets per employee ($millions) | 7.3232% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 2,625 |
| Loan loss allowance to noncurrent loans | 931.4815% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 3,002 |
| Noncurrent loans to loans | 0.1196% | 3,040 |
| Net loans and leases to total assets | 32.9600% | 4,173 |
| Net loans and leases to deposits | 38.9112% | 4,177 |
| Net loans and leases to core deposits | 60.4255% | 3,735 |
| Total domestic deposits to total assets | 84.7200% | 2,609 |
| Equity capital to assets | 8.0090% | 3,500 |
| Core capital (leverage) ratio | 16.4423% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $311,914,000 | 2,407 |
| Average earning assets | $279,412,400 | 2,463 |
| Average equity | $25,293,200 | 2,612 |
| Average total loans | $84,142,600 | 3,374 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 2,859 |
| Cost of funding earning assets | 3.9400% | 85 |
| Net interest margin | 1.1612% | 4,449 |
| Noninterest income to average assets | 0.3000% | 3,043 |
| Noninterest expense to average assets | 1.5603% | 4,211 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | -0.2040% | 4,326 |
| Return on assets (ROA) | -0.2243% | 4,356 |
| Pretax return on assets | -0.3092% | 4,362 |
| Return on Equity (ROE) | -2.7600% | 4,344 |
| Retained earnings to average equity (ytd only) | -2.8609% | 4,247 |
| Net charge-offs to loans | 0.5004% | 271 |
| Credit loss provision to net charge-offs | 48.7097% | 2,058 |
| Earnings coverage of net charge-offs (x) | -1.6903% | 4,469 |
| Efficiency ratio | 116.1429% | 149 |
| Assets per employee ($millions) | 8.7471% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,164 |
| Loan loss allowance to noncurrent loans | 810.0000% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 3,179 |
| Noncurrent loans to loans | 0.1492% | 2,938 |
| Net loans and leases to total assets | 27.3300% | 4,286 |
| Net loans and leases to deposits | 37.4504% | 4,232 |
| Net loans and leases to core deposits | 57.5264% | 3,860 |
| Total domestic deposits to total assets | 72.9800% | 4,123 |
| Equity capital to assets | 9.6499% | 2,535 |
| Core capital (leverage) ratio | 16.5784% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $322,153,000 | 2,337 |
| Average earning assets | $289,570,000 | 2,395 |
| Average equity | $26,191,250 | 2,562 |
| Average total loans | $82,596,500 | 3,404 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0876% | 2,786 |
| Cost of funding earning assets | 3.9431% | 76 |
| Net interest margin | 1.1445% | 4,474 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 1.5331% | 4,249 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | -0.1494% | 4,329 |
| Return on assets (ROA) | -0.1805% | 4,362 |
| Pretax return on assets | -0.2637% | 4,372 |
| Return on Equity (ROE) | -2.3600% | 4,355 |
| Retained earnings to average equity (ytd only) | -2.5249% | 4,180 |
| Net charge-offs to loans | 0.3305% | 344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | -2.5746% | 4,500 |
| Efficiency ratio | 116.0989% | 150 |
| Assets per employee ($millions) | 9.0682% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 1,921 |
| Loan loss allowance to noncurrent loans | 2,156.0000% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 3,325 |
| Noncurrent loans to loans | 0.0585% | 3,368 |
| Net loans and leases to total assets | 26.5700% | 4,317 |
| Net loans and leases to deposits | 36.9926% | 4,248 |
| Net loans and leases to core deposits | 56.0641% | 3,899 |
| Total domestic deposits to total assets | 71.8200% | 4,181 |
| Equity capital to assets | 7.7974% | 3,564 |
| Core capital (leverage) ratio | 16.3886% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $324,572,333 | 2,320 |
| Average earning assets | $291,493,333 | 2,376 |
| Average equity | $24,792,667 | 2,600 |
| Average total loans | $81,091,000 | 3,421 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 2,717 |
| Cost of funding earning assets | 3.9706% | 71 |
| Net interest margin | 1.0658% | 4,507 |
| Noninterest income to average assets | 0.2700% | 3,153 |
| Noninterest expense to average assets | 1.5200% | 4,265 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | -0.1895% | 4,374 |
| Return on assets (ROA) | -0.1414% | 4,346 |
| Pretax return on assets | -0.2511% | 4,364 |
| Return on Equity (ROE) | -1.8700% | 4,339 |
| Retained earnings to average equity (ytd only) | -1.8698% | 3,917 |
| Net charge-offs to loans | 0.2534% | 364 |
| Credit loss provision to net charge-offs | 30.0000% | 1,486 |
| Earnings coverage of net charge-offs (x) | -4.8200% | 4,535 |
| Efficiency ratio | 123.9563% | 108 |
| Assets per employee ($millions) | 9.9080% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 1,245 |
| Loan loss allowance to noncurrent loans | 1,265.5914% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 3,122 |
| Noncurrent loans to loans | 0.1139% | 3,040 |
| Net loans and leases to total assets | 25.3800% | 4,347 |
| Net loans and leases to deposits | 29.8825% | 4,349 |
| Net loans and leases to core deposits | 54.1066% | 3,968 |
| Total domestic deposits to total assets | 84.9200% | 2,438 |
| Equity capital to assets | 7.5148% | 3,666 |
| Core capital (leverage) ratio | 16.0449% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $328,164,500 | 2,305 |
| Average earning assets | $295,367,500 | 2,360 |
| Average equity | $24,815,000 | 2,609 |
| Average total loans | $78,934,500 | 3,447 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 2,127 |
| Cost of funding earning assets | 3.5065% | 75 |
| Net interest margin | 1.4657% | 4,511 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.4492% | 4,359 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.1967% | 4,171 |
| Return on assets (ROA) | 0.1967% | 4,182 |
| Pretax return on assets | 0.0817% | 4,292 |
| Return on Equity (ROE) | 2.8800% | 4,042 |
| Retained earnings to average equity (ytd only) | 2.8812% | 3,320 |
| Net charge-offs to loans | 0.4171% | 247 |
| Credit loss provision to net charge-offs | 105.5363% | 1,789 |
| Earnings coverage of net charge-offs (x) | 1.9619% | 2,732 |
| Efficiency ratio | 89.1317% | 441 |
| Assets per employee ($millions) | 9.4243% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 858 |
| Loan loss allowance to noncurrent loans | 505.0000% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 2,975 |
| Noncurrent loans to loans | 0.3148% | 2,061 |
| Net loans and leases to total assets | 22.1100% | 4,387 |
| Net loans and leases to deposits | 31.0184% | 4,348 |
| Net loans and leases to core deposits | 52.6909% | 4,014 |
| Total domestic deposits to total assets | 71.2900% | 4,253 |
| Equity capital to assets | 7.6057% | 3,658 |
| Core capital (leverage) ratio | 15.5320% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $320,861,200 | 2,318 |
| Average earning assets | $286,152,600 | 2,375 |
| Average equity | $21,900,400 | 2,706 |
| Average total loans | $69,286,200 | 3,563 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 1,959 |
| Cost of funding earning assets | 3.3226% | 80 |
| Net interest margin | 1.6229% | 4,511 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 1.4987% | 4,319 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.2492% | 4,178 |
| Return on assets (ROA) | 0.2492% | 4,187 |
| Pretax return on assets | 0.2365% | 4,215 |
| Return on Equity (ROE) | 3.7700% | 4,013 |
| Retained earnings to average equity (ytd only) | 3.7658% | 3,321 |
| Net charge-offs to loans | 0.3454% | 254 |
| Credit loss provision to net charge-offs | 38.8571% | 1,938 |
| Earnings coverage of net charge-offs (x) | 3.5943% | 2,434 |
| Efficiency ratio | 84.9665% | 563 |
| Assets per employee ($millions) | 8.9808% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 1,093 |
| Loan loss allowance to noncurrent loans | 375.5172% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 2,965 |
| Noncurrent loans to loans | 0.4013% | 1,825 |
| Net loans and leases to total assets | 22.6400% | 4,412 |
| Net loans and leases to deposits | 31.5934% | 4,359 |
| Net loans and leases to core deposits | 50.7578% | 4,018 |
| Total domestic deposits to total assets | 71.6600% | 4,265 |
| Equity capital to assets | 4.1183% | 4,394 |
| Core capital (leverage) ratio | 16.0903% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $316,258,250 | 2,344 |
| Average earning assets | $281,379,500 | 2,406 |
| Average equity | $20,924,500 | 2,769 |
| Average total loans | $67,548,750 | 3,596 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8231% | 1,943 |
| Cost of funding earning assets | 3.0538% | 78 |
| Net interest margin | 1.7693% | 4,545 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.5254% | 4,311 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.3654% | 4,063 |
| Return on assets (ROA) | 0.3654% | 4,083 |
| Pretax return on assets | 0.3724% | 4,154 |
| Return on Equity (ROE) | 4.9100% | 3,886 |
| Retained earnings to average equity (ytd only) | 4.9100% | 2,961 |
| Net charge-offs to loans | 0.3153% | 265 |
| Credit loss provision to net charge-offs | 40.3846% | 1,711 |
| Earnings coverage of net charge-offs (x) | 6.0769% | 2,140 |
| Efficiency ratio | 79.2719% | 890 |
| Assets per employee ($millions) | 9.0877% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6612% | 818 |
| Loan loss allowance to noncurrent loans | 371.4754% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 2,865 |
| Noncurrent loans to loans | 0.4472% | 1,601 |
| Net loans and leases to total assets | 21.0900% | 4,448 |
| Net loans and leases to deposits | 30.6743% | 4,390 |
| Net loans and leases to core deposits | 47.5552% | 4,084 |
| Total domestic deposits to total assets | 68.7400% | 4,389 |
| Equity capital to assets | 7.8237% | 3,334 |
| Core capital (leverage) ratio | 16.3152% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $316,901,333 | 2,346 |
| Average earning assets | $283,057,333 | 2,403 |
| Average equity | $23,584,333 | 2,593 |
| Average total loans | $65,979,333 | 3,624 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7396% | 1,757 |
| Cost of funding earning assets | 2.8488% | 49 |
| Net interest margin | 1.8907% | 4,589 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.5756% | 4,334 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5020% | 3,894 |
| Return on assets (ROA) | 0.5020% | 3,856 |
| Pretax return on assets | 0.5159% | 3,972 |
| Return on Equity (ROE) | 6.9200% | 3,536 |
| Retained earnings to average equity (ytd only) | 6.9242% | 2,512 |
| Net charge-offs to loans | 0.3823% | 211 |
| Credit loss provision to net charge-offs | 1.6129% | 1,419 |
| Earnings coverage of net charge-offs (x) | 6.5968% | 1,779 |
| Efficiency ratio | 75.2870% | 1,222 |
| Assets per employee ($millions) | 8.9156% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 745 |
| Loan loss allowance to noncurrent loans | 804.9645% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 3,347 |
| Noncurrent loans to loans | 0.2155% | 2,399 |
| Net loans and leases to total assets | 20.0300% | 4,517 |
| Net loans and leases to deposits | 28.0644% | 4,480 |
| Net loans and leases to core deposits | 45.1610% | 4,139 |
| Total domestic deposits to total assets | 71.3700% | 4,380 |
| Equity capital to assets | 7.6461% | 3,479 |
| Core capital (leverage) ratio | 16.3668% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $316,316,500 | 2,381 |
| Average earning assets | $282,220,000 | 2,442 |
| Average equity | $22,934,000 | 2,651 |
| Average total loans | $64,867,500 | 3,678 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4464% | 803 |
| Cost of funding earning assets | 1.0698% | 128 |
| Net interest margin | 3.3766% | 2,328 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.5714% | 4,341 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.3857% | 1,169 |
| Return on assets (ROA) | 1.3857% | 1,121 |
| Pretax return on assets | 1.6934% | 934 |
| Return on Equity (ROE) | 11.7600% | 2,225 |
| Retained earnings to average equity (ytd only) | 6.0257% | 2,639 |
| Net charge-offs to loans | 0.3156% | 238 |
| Credit loss provision to net charge-offs | 46.3542% | 1,836 |
| Earnings coverage of net charge-offs (x) | 27.2969% | 1,735 |
| Efficiency ratio | 47.7050% | 4,260 |
| Assets per employee ($millions) | 8.6576% | 1,033 |
| Cash dividends to net income (ytd only)* | 48.7429% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8595% | 586 |
| Loan loss allowance to noncurrent loans | 1,139.0476% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,234 |
| Noncurrent loans to loans | 0.1633% | 2,674 |
| Net loans and leases to total assets | 20.2500% | 4,552 |
| Net loans and leases to deposits | 28.5205% | 4,497 |
| Net loans and leases to core deposits | 44.2961% | 4,168 |
| Total domestic deposits to total assets | 71.0100% | 4,447 |
| Equity capital to assets | 6.8691% | 3,729 |
| Core capital (leverage) ratio | 16.2482% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $304,243,400 | 2,428 |
| Average earning assets | $275,187,400 | 2,467 |
| Average equity | $35,862,800 | 2,075 |
| Average total loans | $60,840,400 | 3,711 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3482% | 658 |
| Cost of funding earning assets | 0.7735% | 171 |
| Net interest margin | 3.5746% | 1,455 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.5785% | 4,326 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.5040% | 844 |
| Return on assets (ROA) | 1.5040% | 819 |
| Pretax return on assets | 1.8810% | 613 |
| Return on Equity (ROE) | 11.5200% | 2,200 |
| Retained earnings to average equity (ytd only) | 11.4530% | 929 |
| Net charge-offs to loans | 0.3335% | 193 |
| Credit loss provision to net charge-offs | 36.6667% | 1,578 |
| Earnings coverage of net charge-offs (x) | 28.8067% | 1,538 |
| Efficiency ratio | 45.3107% | 4,414 |
| Assets per employee ($millions) | 8.5461% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.5863% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8764% | 630 |
| Loan loss allowance to noncurrent loans | 1,114.8148% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 3,283 |
| Noncurrent loans to loans | 0.1683% | 2,750 |
| Net loans and leases to total assets | 21.0500% | 4,583 |
| Net loans and leases to deposits | 28.0481% | 4,530 |
| Net loans and leases to core deposits | 37.6608% | 4,347 |
| Total domestic deposits to total assets | 75.0500% | 4,406 |
| Equity capital to assets | 7.1769% | 3,418 |
| Core capital (leverage) ratio | 17.3694% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $302,386,250 | 2,457 |
| Average earning assets | $274,743,750 | 2,481 |
| Average equity | $39,476,250 | 1,961 |
| Average total loans | $59,971,250 | 3,744 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 689 |
| Cost of funding earning assets | 0.5501% | 392 |
| Net interest margin | 3.6114% | 1,049 |
| Noninterest income to average assets | 0.2597% | 3,618 |
| Noninterest expense to average assets | 1.5705% | 4,335 |
| Loan and lease loss provision to assets | 0.0185% | 2,273 |
| Net operating income to assets | 1.5935% | 555 |
| Return on assets (ROA) | 1.5935% | 543 |
| Pretax return on assets | 1.9804% | 402 |
| Return on Equity (ROE) | 10.6334% | 2,123 |
| Retained earnings to average equity (ytd only) | 10.5454% | 889 |
| Net charge-offs to loans | 0.3961% | 176 |
| Credit loss provision to net charge-offs | 24.1379% | 1,591 |
| Earnings coverage of net charge-offs (x) | 26.1466% | 1,454 |
| Efficiency ratio | 43.9993% | 4,522 |
| Assets per employee ($millions) | 8.5274% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.8271% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0237% | 522 |
| Loan loss allowance to noncurrent loans | 1,081.2500% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 3,065 |
| Noncurrent loans to loans | 0.1872% | 2,768 |
| Net loans and leases to total assets | 19.6438% | 4,657 |
| Net loans and leases to deposits | 25.7147% | 4,623 |
| Net loans and leases to core deposits | 40.4344% | 4,307 |
| Total domestic deposits to total assets | 76.3915% | 4,441 |
| Equity capital to assets | 10.1042% | 1,655 |
| Core capital (leverage) ratio | 18.0717% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,477,333 | 2,465 |
| Average earning assets | $278,120,667 | 2,491 |
| Average equity | $45,479,333 | 1,815 |
| Average total loans | $58,573,333 | 3,812 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 775 |
| Cost of funding earning assets | 0.4649% | 598 |
| Net interest margin | 3.5340% | 1,021 |
| Noninterest income to average assets | 0.2588% | 3,586 |
| Noninterest expense to average assets | 1.6066% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4994% | 639 |
| Return on assets (ROA) | 1.4994% | 628 |
| Pretax return on assets | 1.9217% | 425 |
| Return on Equity (ROE) | 8.6337% | 2,464 |
| Retained earnings to average equity (ytd only) | 8.4832% | 1,430 |
| Net charge-offs to loans | 0.0621% | 698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 163.3333% | 504 |
| Efficiency ratio | 45.5354% | 4,513 |
| Assets per employee ($millions) | 8.2764% | 1,217 |
| Cash dividends to net income (ytd only)* | 1.7437% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1966% | 441 |
| Loan loss allowance to noncurrent loans | 395.7055% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 2,857 |
| Noncurrent loans to loans | 0.5551% | 1,650 |
| Net loans and leases to total assets | 19.2771% | 4,676 |
| Net loans and leases to deposits | 29.0431% | 4,574 |
| Net loans and leases to core deposits | 39.4115% | 4,325 |
| Total domestic deposits to total assets | 66.3739% | 4,688 |
| Equity capital to assets | 15.1535% | 382 |
| Core capital (leverage) ratio | 18.4729% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,986,000 | 2,473 |
| Average earning assets | $283,081,500 | 2,488 |
| Average equity | $53,140,500 | 1,646 |
| Average total loans | $57,940,000 | 3,830 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 1,240 |
| Cost of funding earning assets | 0.5070% | 904 |
| Net interest margin | 3.5461% | 1,615 |
| Noninterest income to average assets | 0.2566% | 3,839 |
| Noninterest expense to average assets | 1.5764% | 4,450 |
| Loan and lease loss provision to assets | 0.0007% | 3,054 |
| Net operating income to assets | 1.5548% | 898 |
| Return on assets (ROA) | 1.8763% | 459 |
| Pretax return on assets | 2.3774% | 310 |
| Return on Equity (ROE) | 8.7048% | 3,008 |
| Retained earnings to average equity (ytd only) | 1.8351% | 4,029 |
| Net charge-offs to loans | 0.2110% | 449 |
| Credit loss provision to net charge-offs | 1.6260% | 2,325 |
| Earnings coverage of net charge-offs (x) | 46.5935% | 1,343 |
| Efficiency ratio | 44.4347% | 4,557 |
| Assets per employee ($millions) | 8.4871% | 1,087 |
| Cash dividends to net income (ytd only)* | 78.9184% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2728% | 401 |
| Loan loss allowance to noncurrent loans | 394.8328% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 2,874 |
| Noncurrent loans to loans | 0.5756% | 1,702 |
| Net loans and leases to total assets | 17.7870% | 4,736 |
| Net loans and leases to deposits | 31.1026% | 4,602 |
| Net loans and leases to core deposits | 38.9052% | 4,425 |
| Total domestic deposits to total assets | 57.1880% | 4,776 |
| Equity capital to assets | 19.4671% | 193 |
| Core capital (leverage) ratio | 19.3938% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,732,400 | 2,477 |
| Average earning assets | $269,814,000 | 2,489 |
| Average equity | $62,666,800 | 1,465 |
| Average total loans | $58,305,400 | 3,844 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 1,197 |
| Cost of funding earning assets | 0.5281% | 917 |
| Net interest margin | 3.6170% | 1,557 |
| Noninterest income to average assets | 0.2719% | 3,791 |
| Noninterest expense to average assets | 1.5588% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6184% | 991 |
| Return on assets (ROA) | 2.0558% | 446 |
| Pretax return on assets | 2.6192% | 279 |
| Return on Equity (ROE) | 9.2896% | 3,007 |
| Retained earnings to average equity (ytd only) | 9.2473% | 1,598 |
| Net charge-offs to loans | 0.1729% | 498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 58.0789% | 1,148 |
| Efficiency ratio | 43.0084% | 4,626 |
| Assets per employee ($millions) | 7.8380% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.4553% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2508% | 420 |
| Loan loss allowance to noncurrent loans | 800.0000% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 3,265 |
| Noncurrent loans to loans | 0.2814% | 2,789 |
| Net loans and leases to total assets | 21.2766% | 4,778 |
| Net loans and leases to deposits | 33.0358% | 4,650 |
| Net loans and leases to core deposits | 41.6810% | 4,458 |
| Total domestic deposits to total assets | 64.4048% | 4,807 |
| Equity capital to assets | 23.7350% | 113 |
| Core capital (leverage) ratio | 21.5102% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,910,000 | 2,530 |
| Average earning assets | $264,080,500 | 2,544 |
| Average equity | $63,050,750 | 1,476 |
| Average total loans | $58,593,250 | 3,896 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 1,272 |
| Cost of funding earning assets | 0.5374% | 1,002 |
| Net interest margin | 3.6064% | 1,579 |
| Noninterest income to average assets | 0.2801% | 3,741 |
| Noninterest expense to average assets | 1.4797% | 4,643 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7877% | 738 |
| Return on assets (ROA) | 2.1169% | 415 |
| Pretax return on assets | 2.5378% | 339 |
| Return on Equity (ROE) | 9.7910% | 2,831 |
| Retained earnings to average equity (ytd only) | 9.7268% | 1,492 |
| Net charge-offs to loans | 0.2233% | 390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 47.5077% | 1,091 |
| Efficiency ratio | 40.8656% | 4,727 |
| Assets per employee ($millions) | 8.5519% | 987 |
| Cash dividends to net income (ytd only)* | 0.6551% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2913% | 369 |
| Loan loss allowance to noncurrent loans | 787.7907% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 3,256 |
| Noncurrent loans to loans | 0.2909% | 2,884 |
| Net loans and leases to total assets | 19.3047% | 4,840 |
| Net loans and leases to deposits | 32.9908% | 4,707 |
| Net loans and leases to core deposits | 41.2950% | 4,545 |
| Total domestic deposits to total assets | 58.5156% | 4,877 |
| Equity capital to assets | 21.4039% | 142 |
| Core capital (leverage) ratio | 20.2627% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,437,000 | 2,505 |
| Average earning assets | $267,190,667 | 2,520 |
| Average equity | $62,363,667 | 1,476 |
| Average total loans | $58,220,333 | 3,924 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 1,394 |
| Cost of funding earning assets | 0.5542% | 1,075 |
| Net interest margin | 3.5419% | 1,721 |
| Noninterest income to average assets | 0.2431% | 3,940 |
| Noninterest expense to average assets | 1.4827% | 4,669 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7354% | 888 |
| Return on assets (ROA) | 2.4226% | 326 |
| Pretax return on assets | 2.8481% | 284 |
| Return on Equity (ROE) | 11.1456% | 2,315 |
| Retained earnings to average equity (ytd only) | 11.0156% | 1,399 |
| Net charge-offs to loans | 0.1523% | 513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 65.5909% | 781 |
| Efficiency ratio | 42.0947% | 4,665 |
| Assets per employee ($millions) | 8.0720% | 1,168 |
| Cash dividends to net income (ytd only)* | 1.1669% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3566% | 328 |
| Loan loss allowance to noncurrent loans | 785.3933% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.2226% | 3,037 |
| Noncurrent loans to loans | 0.3001% | 3,022 |
| Net loans and leases to total assets | 20.5030% | 4,852 |
| Net loans and leases to deposits | 32.9093% | 4,748 |
| Net loans and leases to core deposits | 41.3951% | 4,578 |
| Total domestic deposits to total assets | 62.3017% | 4,871 |
| Equity capital to assets | 21.3118% | 142 |
| Core capital (leverage) ratio | 21.3658% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,998,000 | 2,524 |
| Average earning assets | $262,008,500 | 2,539 |
| Average equity | $61,513,000 | 1,482 |
| Average total loans | $57,762,000 | 3,951 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4721% | 1,382 |
| Cost of funding earning assets | 0.7799% | 1,302 |
| Net interest margin | 3.6921% | 1,824 |
| Noninterest income to average assets | 0.2865% | 3,772 |
| Noninterest expense to average assets | 1.4765% | 4,796 |
| Loan and lease loss provision to assets | 0.1304% | 2,731 |
| Net operating income to assets | 1.7264% | 464 |
| Return on assets (ROA) | 1.8689% | 363 |
| Pretax return on assets | 2.2518% | 276 |
| Return on Equity (ROE) | 8.4660% | 2,620 |
| Retained earnings to average equity (ytd only) | 1.7247% | 3,937 |
| Net charge-offs to loans | 0.6577% | 227 |
| Credit loss provision to net charge-offs | 97.0190% | 2,874 |
| Earnings coverage of net charge-offs (x) | 16.3957% | 2,134 |
| Efficiency ratio | 40.0456% | 4,869 |
| Assets per employee ($millions) | 8.0993% | 1,003 |
| Cash dividends to net income (ytd only)* | 79.6285% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5266% | 254 |
| Loan loss allowance to noncurrent loans | 357.6826% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 3,057 |
| Noncurrent loans to loans | 0.7064% | 1,931 |
| Net loans and leases to total assets | 19.3247% | 4,888 |
| Net loans and leases to deposits | 31.5884% | 4,817 |
| Net loans and leases to core deposits | 38.5882% | 4,729 |
| Total domestic deposits to total assets | 61.1764% | 4,903 |
| Equity capital to assets | 22.1591% | 132 |
| Core capital (leverage) ratio | 19.9046% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,689,400 | 2,435 |
| Average earning assets | $252,076,600 | 2,460 |
| Average equity | $60,417,800 | 1,438 |
| Average total loans | $56,108,200 | 3,981 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 1,444 |
| Cost of funding earning assets | 0.8257% | 1,377 |
| Net interest margin | 3.7278% | 1,849 |
| Noninterest income to average assets | 0.2576% | 3,942 |
| Noninterest expense to average assets | 1.4417% | 4,845 |
| Loan and lease loss provision to assets | 0.1504% | 2,516 |
| Net operating income to assets | 1.6456% | 654 |
| Return on assets (ROA) | 1.7912% | 517 |
| Pretax return on assets | 2.2808% | 289 |
| Return on Equity (ROE) | 8.1222% | 2,762 |
| Retained earnings to average equity (ytd only) | 8.0776% | 1,282 |
| Net charge-offs to loans | 0.6894% | 202 |
| Credit loss provision to net charge-offs | 105.5172% | 2,580 |
| Earnings coverage of net charge-offs (x) | 15.7621% | 2,087 |
| Efficiency ratio | 39.0858% | 4,914 |
| Assets per employee ($millions) | 8.3259% | 899 |
| Cash dividends to net income (ytd only)* | 0.5488% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5724% | 210 |
| Loan loss allowance to noncurrent loans | 391.0811% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 3,130 |
| Noncurrent loans to loans | 0.6578% | 2,145 |
| Net loans and leases to total assets | 19.3595% | 4,932 |
| Net loans and leases to deposits | 33.5683% | 4,860 |
| Net loans and leases to core deposits | 41.5432% | 4,760 |
| Total domestic deposits to total assets | 57.6720% | 4,945 |
| Equity capital to assets | 23.2411% | 120 |
| Core capital (leverage) ratio | 20.9356% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,242,500 | 2,428 |
| Average earning assets | $249,652,250 | 2,454 |
| Average equity | $59,818,250 | 1,436 |
| Average total loans | $56,085,000 | 4,000 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 1,554 |
| Cost of funding earning assets | 0.8965% | 1,393 |
| Net interest margin | 3.7467% | 2,005 |
| Noninterest income to average assets | 0.2447% | 4,010 |
| Noninterest expense to average assets | 1.4703% | 4,868 |
| Loan and lease loss provision to assets | 0.0748% | 3,358 |
| Net operating income to assets | 1.7438% | 566 |
| Return on assets (ROA) | 1.9738% | 386 |
| Pretax return on assets | 2.4198% | 241 |
| Return on Equity (ROE) | 9.1237% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.0545% | 989 |
| Net charge-offs to loans | 0.8246% | 188 |
| Credit loss provision to net charge-offs | 43.2900% | 2,655 |
| Earnings coverage of net charge-offs (x) | 12.8095% | 2,030 |
| Efficiency ratio | 39.9066% | 4,920 |
| Assets per employee ($millions) | 8.3113% | 865 |
| Cash dividends to net income (ytd only)* | 0.7582% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3157% | 280 |
| Loan loss allowance to noncurrent loans | 423.4528% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 3,214 |
| Noncurrent loans to loans | 0.5469% | 2,529 |
| Net loans and leases to total assets | 19.4060% | 4,964 |
| Net loans and leases to deposits | 34.7192% | 4,876 |
| Net loans and leases to core deposits | 42.6257% | 4,785 |
| Total domestic deposits to total assets | 55.8940% | 4,987 |
| Equity capital to assets | 22.1252% | 143 |
| Core capital (leverage) ratio | 21.6154% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,296,667 | 2,430 |
| Average earning assets | $245,387,000 | 2,451 |
| Average equity | $57,827,333 | 1,464 |
| Average total loans | $56,030,000 | 4,018 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7552% | 1,544 |
| Cost of funding earning assets | 1.0831% | 1,098 |
| Net interest margin | 3.6721% | 2,426 |
| Noninterest income to average assets | 0.2634% | 3,961 |
| Noninterest expense to average assets | 1.5605% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8083% | 408 |
| Return on assets (ROA) | 2.1567% | 216 |
| Pretax return on assets | 2.4879% | 168 |
| Return on Equity (ROE) | 10.0937% | 1,716 |
| Retained earnings to average equity (ytd only) | 9.9495% | 756 |
| Net charge-offs to loans | 0.4502% | 321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 21.5079% | 1,387 |
| Efficiency ratio | 42.7787% | 4,922 |
| Assets per employee ($millions) | 7.6539% | 845 |
| Cash dividends to net income (ytd only)* | 1.4286% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4174% | 281 |
| Loan loss allowance to noncurrent loans | 380.0000% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 3,121 |
| Noncurrent loans to loans | 0.6362% | 2,401 |
| Net loans and leases to total assets | 21.8632% | 4,995 |
| Net loans and leases to deposits | 38.3324% | 4,861 |
| Net loans and leases to core deposits | 47.9512% | 4,729 |
| Total domestic deposits to total assets | 57.0358% | 5,045 |
| Equity capital to assets | 21.6221% | 184 |
| Core capital (leverage) ratio | 21.4728% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,653,500 | 2,436 |
| Average earning assets | $239,318,500 | 2,449 |
| Average equity | $55,480,000 | 1,512 |
| Average total loans | $55,976,000 | 4,032 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 2,058 |
| Cost of funding earning assets | 1.1594% | 1,129 |
| Net interest margin | 3.6346% | 3,019 |
| Noninterest income to average assets | 0.3232% | 3,758 |
| Noninterest expense to average assets | 1.5558% | 4,977 |
| Loan and lease loss provision to assets | 0.2833% | 613 |
| Net operating income to assets | 1.5397% | 963 |
| Return on assets (ROA) | 1.6444% | 795 |
| Pretax return on assets | 1.9752% | 630 |
| Return on Equity (ROE) | 7.3311% | 3,433 |
| Retained earnings to average equity (ytd only) | 3.8784% | 3,030 |
| Net charge-offs to loans | 1.0875% | 144 |
| Credit loss provision to net charge-offs | 117.1667% | 2,156 |
| Earnings coverage of net charge-offs (x) | 8.8200% | 2,729 |
| Efficiency ratio | 42.1829% | 5,024 |
| Assets per employee ($millions) | 7.8449% | 755 |
| Cash dividends to net income (ytd only)* | 47.0963% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5848% | 196 |
| Loan loss allowance to noncurrent loans | 303.1780% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 3,143 |
| Noncurrent loans to loans | 0.8526% | 1,805 |
| Net loans and leases to total assets | 20.2196% | 5,073 |
| Net loans and leases to deposits | 38.4491% | 4,932 |
| Net loans and leases to core deposits | 48.1841% | 4,787 |
| Total domestic deposits to total assets | 52.5879% | 5,119 |
| Equity capital to assets | 21.1253% | 207 |
| Core capital (leverage) ratio | 21.2358% | 190 |
| Tier 1 risk-based capital ratio | 41.9283% | 214 |
| Total risk-based capital ratio | 43.0458% | 214 |
| Memoranda: | ||
| Average total assets | $248,175,600 | 2,478 |
| Average earning assets | $229,764,200 | 2,473 |
| Average equity | $55,666,600 | 1,455 |
| Average total loans | $55,171,600 | 4,075 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8423% | 1,996 |
| Cost of funding earning assets | 1.1557% | 1,152 |
| Net interest margin | 3.6865% | 2,963 |
| Noninterest income to average assets | 0.3257% | 3,795 |
| Noninterest expense to average assets | 1.5581% | 5,037 |
| Loan and lease loss provision to assets | 0.2754% | 563 |
| Net operating income to assets | 1.6036% | 925 |
| Return on assets (ROA) | 1.7475% | 716 |
| Pretax return on assets | 2.0777% | 581 |
| Return on Equity (ROE) | 7.6688% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.5030% | 1,620 |
| Net charge-offs to loans | 0.9385% | 158 |
| Credit loss provision to net charge-offs | 129.6392% | 1,826 |
| Earnings coverage of net charge-offs (x) | 10.2706% | 2,507 |
| Efficiency ratio | 41.6630% | 5,089 |
| Assets per employee ($millions) | 7.5487% | 828 |
| Cash dividends to net income (ytd only)* | 2.1617% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4752% | 225 |
| Loan loss allowance to noncurrent loans | 380.7388% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 3,331 |
| Noncurrent loans to loans | 0.6501% | 2,332 |
| Net loans and leases to total assets | 22.8234% | 5,138 |
| Net loans and leases to deposits | 40.0055% | 4,993 |
| Net loans and leases to core deposits | 50.6625% | 4,824 |
| Total domestic deposits to total assets | 57.0508% | 5,177 |
| Equity capital to assets | 23.8298% | 143 |
| Core capital (leverage) ratio | 22.8201% | 160 |
| Tier 1 risk-based capital ratio | 44.6530% | 181 |
| Total risk-based capital ratio | 45.8319% | 179 |
| Memoranda: | ||
| Average total assets | $243,537,750 | 2,523 |
| Average earning assets | $225,536,500 | 2,520 |
| Average equity | $55,496,500 | 1,454 |
| Average total loans | $55,124,000 | 4,122 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8381% | 1,942 |
| Cost of funding earning assets | 1.1362% | 1,176 |
| Net interest margin | 3.7018% | 2,925 |
| Noninterest income to average assets | 0.3368% | 3,681 |
| Noninterest expense to average assets | 1.5599% | 5,084 |
| Loan and lease loss provision to assets | 0.2483% | 622 |
| Net operating income to assets | 1.6721% | 764 |
| Return on assets (ROA) | 1.8628% | 552 |
| Pretax return on assets | 2.1773% | 465 |
| Return on Equity (ROE) | 8.3050% | 3,160 |
| Retained earnings to average equity (ytd only) | 8.2386% | 1,299 |
| Net charge-offs to loans | 0.7213% | 203 |
| Credit loss provision to net charge-offs | 153.8462% | 1,458 |
| Earnings coverage of net charge-offs (x) | 13.6564% | 2,085 |
| Efficiency ratio | 41.4468% | 5,132 |
| Assets per employee ($millions) | 7.3290% | 875 |
| Cash dividends to net income (ytd only)* | 0.7996% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5596% | 207 |
| Loan loss allowance to noncurrent loans | 271.9165% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 3,040 |
| Noncurrent loans to loans | 0.9413% | 1,727 |
| Net loans and leases to total assets | 22.5554% | 5,188 |
| Net loans and leases to deposits | 37.7755% | 5,082 |
| Net loans and leases to core deposits | 40.9291% | 5,066 |
| Total domestic deposits to total assets | 59.7090% | 5,212 |
| Equity capital to assets | 23.5518% | 149 |
| Core capital (leverage) ratio | 22.8068% | 155 |
| Tier 1 risk-based capital ratio | 45.5426% | 167 |
| Total risk-based capital ratio | 46.7565% | 169 |
| Memoranda: | ||
| Average total assets | $241,681,000 | 2,543 |
| Average earning assets | $223,726,000 | 2,543 |
| Average equity | $54,208,000 | 1,482 |
| Average total loans | $54,066,000 | 4,175 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 1,839 |
| Cost of funding earning assets | 1.1259% | 1,102 |
| Net interest margin | 3.6983% | 2,894 |
| Noninterest income to average assets | 0.3311% | 3,646 |
| Noninterest expense to average assets | 1.5497% | 5,134 |
| Loan and lease loss provision to assets | 0.2484% | 587 |
| Net operating income to assets | 1.6507% | 808 |
| Return on assets (ROA) | 1.6507% | 836 |
| Pretax return on assets | 1.9537% | 696 |
| Return on Equity (ROE) | 7.5486% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.4123% | 1,878 |
| Net charge-offs to loans | 1.0620% | 127 |
| Credit loss provision to net charge-offs | 106.3830% | 1,522 |
| Earnings coverage of net charge-offs (x) | 9.4326% | 2,030 |
| Efficiency ratio | 41.3063% | 5,181 |
| Assets per employee ($millions) | 7.1163% | 952 |
| Cash dividends to net income (ytd only)* | 1.8054% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5071% | 245 |
| Loan loss allowance to noncurrent loans | 190.7275% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 2,680 |
| Noncurrent loans to loans | 1.3145% | 1,244 |
| Net loans and leases to total assets | 21.4883% | 5,252 |
| Net loans and leases to deposits | 36.3786% | 5,143 |
| Net loans and leases to core deposits | 39.3459% | 5,122 |
| Total domestic deposits to total assets | 59.0684% | 5,286 |
| Equity capital to assets | 22.4670% | 164 |
| Core capital (leverage) ratio | 21.9193% | 172 |
| Tier 1 risk-based capital ratio | 45.1443% | 169 |
| Total risk-based capital ratio | 46.2937% | 169 |
| Memoranda: | ||
| Average total assets | $241,592,500 | 2,570 |
| Average earning assets | $223,457,000 | 2,566 |
| Average equity | $52,831,000 | 1,503 |
| Average total loans | $53,106,500 | 4,242 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 1,247 |
| Cost of funding earning assets | 0.9982% | 752 |
| Net interest margin | 3.9150% | 2,285 |
| Noninterest income to average assets | 0.3516% | 3,753 |
| Noninterest expense to average assets | 1.6872% | 5,106 |
| Loan and lease loss provision to assets | 0.3017% | 534 |
| Net operating income to assets | 1.6831% | 713 |
| Return on assets (ROA) | 1.6842% | 712 |
| Pretax return on assets | 1.9757% | 589 |
| Return on Equity (ROE) | 7.7774% | 3,534 |
| Retained earnings to average equity (ytd only) | 4.3153% | 3,171 |
| Net charge-offs to loans | 1.4029% | 83 |
| Credit loss provision to net charge-offs | 93.7666% | 2,666 |
| Earnings coverage of net charge-offs (x) | 7.0743% | 3,016 |
| Efficiency ratio | 42.5711% | 5,228 |
| Assets per employee ($millions) | 6.8923% | 1,021 |
| Cash dividends to net income (ytd only)* | 44.5148% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5112% | 231 |
| Loan loss allowance to noncurrent loans | 156.0517% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4722% | 2,672 |
| Noncurrent loans to loans | 1.6092% | 913 |
| Net loans and leases to total assets | 21.3721% | 5,297 |
| Net loans and leases to deposits | 36.2616% | 5,192 |
| Net loans and leases to core deposits | 39.4039% | 5,169 |
| Total domestic deposits to total assets | 58.9388% | 5,329 |
| Equity capital to assets | 21.2668% | 187 |
| Core capital (leverage) ratio | 21.2847% | 184 |
| Tier 1 risk-based capital ratio | 43.1837% | 192 |
| Total risk-based capital ratio | 44.3120% | 189 |
| Memoranda: | ||
| Average total assets | $234,351,000 | 2,581 |
| Average earning assets | $216,195,400 | 2,590 |
| Average equity | $50,749,800 | 1,501 |
| Average total loans | $53,746,200 | 4,229 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9251% | 1,106 |
| Cost of funding earning assets | 0.9736% | 667 |
| Net interest margin | 3.9515% | 2,124 |
| Noninterest income to average assets | 0.3800% | 3,598 |
| Noninterest expense to average assets | 1.6799% | 5,153 |
| Loan and lease loss provision to assets | 0.3187% | 445 |
| Net operating income to assets | 1.5794% | 1,001 |
| Return on assets (ROA) | 1.5807% | 1,003 |
| Pretax return on assets | 2.0283% | 581 |
| Return on Equity (ROE) | 7.2656% | 3,833 |
| Retained earnings to average equity (ytd only) | 7.2182% | 2,014 |
| Net charge-offs to loans | 1.2132% | 111 |
| Credit loss provision to net charge-offs | 113.2383% | 2,073 |
| Earnings coverage of net charge-offs (x) | 8.3340% | 2,721 |
| Efficiency ratio | 41.7343% | 5,279 |
| Assets per employee ($millions) | 6.9141% | 967 |
| Cash dividends to net income (ytd only)* | 0.6527% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4968% | 238 |
| Loan loss allowance to noncurrent loans | 162.8959% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 2,922 |
| Noncurrent loans to loans | 1.5328% | 1,049 |
| Net loans and leases to total assets | 23.9207% | 5,352 |
| Net loans and leases to deposits | 39.0719% | 5,225 |
| Net loans and leases to core deposits | 42.3677% | 5,192 |
| Total domestic deposits to total assets | 61.2223% | 5,381 |
| Equity capital to assets | 21.2480% | 185 |
| Core capital (leverage) ratio | 21.1358% | 189 |
| Tier 1 risk-based capital ratio | 41.8769% | 206 |
| Total risk-based capital ratio | 43.0841% | 204 |
| Memoranda: | ||
| Average total assets | $232,631,250 | 2,603 |
| Average earning assets | $214,594,750 | 2,614 |
| Average equity | $50,611,750 | 1,503 |
| Average total loans | $53,961,750 | 4,272 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8838% | 1,058 |
| Cost of funding earning assets | 0.9444% | 596 |
| Net interest margin | 3.9394% | 2,071 |
| Noninterest income to average assets | 0.3434% | 3,880 |
| Noninterest expense to average assets | 1.6177% | 5,254 |
| Loan and lease loss provision to assets | 0.4020% | 305 |
| Net operating income to assets | 1.5469% | 1,040 |
| Return on assets (ROA) | 1.5469% | 1,045 |
| Pretax return on assets | 1.9619% | 659 |
| Return on Equity (ROE) | 7.0546% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.9837% | 2,079 |
| Net charge-offs to loans | 1.5249% | 79 |
| Credit loss provision to net charge-offs | 115.9204% | 1,834 |
| Earnings coverage of net charge-offs (x) | 6.8159% | 2,588 |
| Efficiency ratio | 40.6284% | 5,385 |
| Assets per employee ($millions) | 7.6163% | 734 |
| Cash dividends to net income (ytd only)* | 1.0039% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6449% | 207 |
| Loan loss allowance to noncurrent loans | 215.4192% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 3,412 |
| Noncurrent loans to loans | 1.2278% | 1,408 |
| Net loans and leases to total assets | 21.7331% | 5,430 |
| Net loans and leases to deposits | 36.1700% | 5,322 |
| Net loans and leases to core deposits | 39.1633% | 5,300 |
| Total domestic deposits to total assets | 60.0862% | 5,451 |
| Equity capital to assets | 20.9129% | 190 |
| Core capital (leverage) ratio | 20.8297% | 193 |
| Tier 1 risk-based capital ratio | 41.5162% | 210 |
| Total risk-based capital ratio | 42.7197% | 211 |
| Memoranda: | ||
| Average total assets | $231,814,670 | 2,620 |
| Average earning assets | $214,096,000 | 2,635 |
| Average equity | $50,832,330 | 1,493 |
| Average total loans | $52,724,670 | 4,331 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8538% | 967 |
| Cost of funding earning assets | 0.8857% | 645 |
| Net interest margin | 3.9682% | 1,821 |
| Noninterest income to average assets | 0.3418% | 3,862 |
| Noninterest expense to average assets | 1.6258% | 5,313 |
| Loan and lease loss provision to assets | 0.4126% | 269 |
| Net operating income to assets | 1.6098% | 839 |
| Return on assets (ROA) | 1.6098% | 842 |
| Pretax return on assets | 1.9693% | 616 |
| Return on Equity (ROE) | 7.1626% | 3,718 |
| Retained earnings to average equity (ytd only) | 7.0207% | 2,272 |
| Net charge-offs to loans | 2.1356% | 55 |
| Credit loss provision to net charge-offs | 84.1155% | 1,704 |
| Earnings coverage of net charge-offs (x) | 4.8556% | 2,269 |
| Efficiency ratio | 40.5656% | 5,445 |
| Assets per employee ($millions) | 6.9730% | 969 |
| Cash dividends to net income (ytd only)* | 1.9802% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5065% | 249 |
| Loan loss allowance to noncurrent loans | 142.6581% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 2,939 |
| Noncurrent loans to loans | 1.7570% | 972 |
| Net loans and leases to total assets | 22.4980% | 5,485 |
| Net loans and leases to deposits | 35.5153% | 5,367 |
| Net loans and leases to core deposits | 38.4615% | 5,344 |
| Total domestic deposits to total assets | 63.3474% | 5,495 |
| Equity capital to assets | 21.8566% | 161 |
| Core capital (leverage) ratio | 22.0281% | 154 |
| Tier 1 risk-based capital ratio | 42.4681% | 201 |
| Total risk-based capital ratio | 43.6262% | 198 |
| Memoranda: | ||
| Average total assets | $225,862,000 | 2,699 |
| Average earning assets | $208,660,000 | 2,708 |
| Average equity | $50,764,000 | 1,508 |
| Average total loans | $51,883,500 | 4,398 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 838 |
| Cost of funding earning assets | 0.9066% | 362 |
| Net interest margin | 3.9719% | 1,838 |
| Noninterest income to average assets | 0.3350% | 4,069 |
| Noninterest expense to average assets | 1.6160% | 5,404 |
| Loan and lease loss provision to assets | 0.2958% | 583 |
| Net operating income to assets | 1.7669% | 461 |
| Return on assets (ROA) | 1.7979% | 431 |
| Pretax return on assets | 2.1392% | 358 |
| Return on Equity (ROE) | 7.8725% | 2,854 |
| Retained earnings to average equity (ytd only) | 4.5622% | 2,420 |
| Net charge-offs to loans | 1.5521% | 100 |
| Credit loss provision to net charge-offs | 85.5469% | 2,857 |
| Earnings coverage of net charge-offs (x) | 6.9349% | 3,114 |
| Efficiency ratio | 40.2580% | 5,524 |
| Assets per employee ($millions) | 6.9255% | 1,001 |
| Cash dividends to net income (ytd only)* | 42.0486% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7139% | 195 |
| Loan loss allowance to noncurrent loans | 138.0522% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 3,038 |
| Noncurrent loans to loans | 1.9658% | 781 |
| Net loans and leases to total assets | 22.2417% | 5,554 |
| Net loans and leases to deposits | 33.9978% | 5,459 |
| Net loans and leases to core deposits | 36.7309% | 5,444 |
| Total domestic deposits to total assets | 65.4211% | 5,531 |
| Equity capital to assets | 23.1185% | 129 |
| Core capital (leverage) ratio | 22.1561% | 136 |
| Tier 1 risk-based capital ratio | 43.1869% | 176 |
| Total risk-based capital ratio | 44.4108% | 172 |
| Memoranda: | ||
| Average total assets | $222,088,400 | 2,708 |
| Average earning assets | $205,719,000 | 2,716 |
| Average equity | $50,721,000 | 1,504 |
| Average total loans | $49,482,400 | 4,472 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8695% | 807 |
| Cost of funding earning assets | 0.8976% | 348 |
| Net interest margin | 3.9719% | 1,799 |
| Noninterest income to average assets | 0.3468% | 4,057 |
| Noninterest expense to average assets | 1.6261% | 5,429 |
| Loan and lease loss provision to assets | 0.2700% | 610 |
| Net operating income to assets | 1.5873% | 745 |
| Return on assets (ROA) | 1.6237% | 697 |
| Pretax return on assets | 2.1799% | 381 |
| Return on Equity (ROE) | 7.1313% | 3,577 |
| Retained earnings to average equity (ytd only) | 7.0838% | 1,652 |
| Net charge-offs to loans | 1.1520% | 146 |
| Credit loss provision to net charge-offs | 105.8824% | 2,194 |
| Earnings coverage of net charge-offs (x) | 9.4142% | 2,695 |
| Efficiency ratio | 40.3815% | 5,575 |
| Assets per employee ($millions) | 7.0334% | 940 |
| Cash dividends to net income (ytd only)* | 0.6652% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0726% | 147 |
| Loan loss allowance to noncurrent loans | 120.0159% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 2,846 |
| Noncurrent loans to loans | 2.5602% | 582 |
| Net loans and leases to total assets | 21.1779% | 5,633 |
| Net loans and leases to deposits | 32.0134% | 5,561 |
| Net loans and leases to core deposits | 35.1483% | 5,535 |
| Total domestic deposits to total assets | 66.1535% | 5,583 |
| Equity capital to assets | 23.3217% | 127 |
| Core capital (leverage) ratio | 22.6601% | 134 |
| Tier 1 risk-based capital ratio | 46.0609% | 154 |
| Total risk-based capital ratio | 47.3125% | 153 |
| Memoranda: | ||
| Average total assets | $222,206,750 | 2,733 |
| Average earning assets | $205,876,000 | 2,730 |
| Average equity | $50,592,750 | 1,524 |
| Average total loans | $49,186,500 | 4,523 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8609% | 756 |
| Cost of funding earning assets | 0.8886% | 327 |
| Net interest margin | 3.9723% | 1,701 |
| Noninterest income to average assets | 0.3643% | 3,951 |
| Noninterest expense to average assets | 1.6108% | 5,486 |
| Loan and lease loss provision to assets | 0.2712% | 586 |
| Net operating income to assets | 1.6135% | 678 |
| Return on assets (ROA) | 1.6135% | 705 |
| Pretax return on assets | 2.1595% | 386 |
| Return on Equity (ROE) | 7.1457% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.0736% | 1,565 |
| Net charge-offs to loans | 0.9311% | 210 |
| Credit loss provision to net charge-offs | 131.0044% | 1,674 |
| Earnings coverage of net charge-offs (x) | 11.7424% | 2,250 |
| Efficiency ratio | 39.8569% | 5,633 |
| Assets per employee ($millions) | 7.1727% | 856 |
| Cash dividends to net income (ytd only)* | 1.0084% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1104% | 144 |
| Loan loss allowance to noncurrent loans | 142.8440% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 3,206 |
| Noncurrent loans to loans | 2.1775% | 747 |
| Net loans and leases to total assets | 21.1310% | 5,677 |
| Net loans and leases to deposits | 33.1092% | 5,590 |
| Net loans and leases to core deposits | 36.3412% | 5,564 |
| Total domestic deposits to total assets | 63.8222% | 5,668 |
| Equity capital to assets | 22.6572% | 135 |
| Core capital (leverage) ratio | 22.2560% | 136 |
| Tier 1 risk-based capital ratio | 43.3356% | 176 |
| Total risk-based capital ratio | 44.5874% | 173 |
| Memoranda: | ||
| Average total assets | $221,252,670 | 2,755 |
| Average earning assets | $204,817,330 | 2,760 |
| Average equity | $49,960,330 | 1,538 |
| Average total loans | $49,190,000 | 4,548 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8604% | 675 |
| Cost of funding earning assets | 0.8928% | 295 |
| Net interest margin | 3.9676% | 1,558 |
| Noninterest income to average assets | 0.3943% | 3,708 |
| Noninterest expense to average assets | 1.6212% | 5,540 |
| Loan and lease loss provision to assets | 0.2763% | 520 |
| Net operating income to assets | 1.6360% | 631 |
| Return on assets (ROA) | 1.6360% | 648 |
| Pretax return on assets | 2.1647% | 375 |
| Return on Equity (ROE) | 7.2581% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.1110% | 1,808 |
| Net charge-offs to loans | 0.4348% | 421 |
| Credit loss provision to net charge-offs | 283.0189% | 820 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,339 |
| Efficiency ratio | 39.9093% | 5,700 |
| Assets per employee ($millions) | 7.4106% | 785 |
| Cash dividends to net income (ytd only)* | 2.0270% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2239% | 141 |
| Loan loss allowance to noncurrent loans | 113.0714% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 2,679 |
| Noncurrent loans to loans | 2.8512% | 501 |
| Net loans and leases to total assets | 21.3743% | 5,738 |
| Net loans and leases to deposits | 32.4947% | 5,648 |
| Net loans and leases to core deposits | 35.6899% | 5,626 |
| Total domestic deposits to total assets | 65.7778% | 5,719 |
| Equity capital to assets | 22.3922% | 140 |
| Core capital (leverage) ratio | 22.4479% | 129 |
| Tier 1 risk-based capital ratio | 42.9242% | 191 |
| Total risk-based capital ratio | 44.1765% | 188 |
| Memoranda: | ||
| Average total assets | $217,116,500 | 2,816 |
| Average earning assets | $200,725,000 | 2,822 |
| Average equity | $48,938,500 | 1,561 |
| Average total loans | $48,756,000 | 4,598 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8232% | 850 |
| Cost of funding earning assets | 0.8875% | 320 |
| Net interest margin | 3.9357% | 1,831 |
| Noninterest income to average assets | 0.3948% | 3,930 |
| Noninterest expense to average assets | 1.5775% | 5,663 |
| Loan and lease loss provision to assets | 0.3208% | 570 |
| Net operating income to assets | 1.7459% | 491 |
| Return on assets (ROA) | 1.7493% | 512 |
| Pretax return on assets | 2.1511% | 359 |
| Return on Equity (ROE) | 7.5017% | 3,215 |
| Retained earnings to average equity (ytd only) | 4.3508% | 2,805 |
| Net charge-offs to loans | 1.0970% | 167 |
| Credit loss provision to net charge-offs | 134.5703% | 2,014 |
| Earnings coverage of net charge-offs (x) | 10.3516% | 2,651 |
| Efficiency ratio | 38.9963% | 5,795 |
| Assets per employee ($millions) | 7.3074% | 800 |
| Cash dividends to net income (ytd only)* | 42.0016% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0696% | 162 |
| Loan loss allowance to noncurrent loans | 157.4153% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 3,297 |
| Noncurrent loans to loans | 1.9500% | 941 |
| Net loans and leases to total assets | 22.1428% | 5,783 |
| Net loans and leases to deposits | 32.3998% | 5,709 |
| Net loans and leases to core deposits | 36.2004% | 5,672 |
| Total domestic deposits to total assets | 68.3425% | 5,705 |
| Equity capital to assets | 22.6954% | 135 |
| Core capital (leverage) ratio | 22.6671% | 126 |
| Tier 1 risk-based capital ratio | 43.4125% | 183 |
| Total risk-based capital ratio | 44.6638% | 183 |
| Memoranda: | ||
| Average total assets | $214,774,200 | 2,805 |
| Average earning assets | $199,202,000 | 2,799 |
| Average equity | $50,082,200 | 1,518 |
| Average total loans | $46,673,200 | 4,675 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 892 |
| Cost of funding earning assets | 0.8802% | 319 |
| Net interest margin | 3.9212% | 1,906 |
| Noninterest income to average assets | 0.4269% | 3,720 |
| Noninterest expense to average assets | 1.5722% | 5,709 |
| Loan and lease loss provision to assets | 0.3125% | 535 |
| Net operating income to assets | 1.6577% | 648 |
| Return on assets (ROA) | 1.6619% | 683 |
| Pretax return on assets | 2.1891% | 400 |
| Return on Equity (ROE) | 7.0805% | 3,520 |
| Retained earnings to average equity (ytd only) | 6.9961% | 1,632 |
| Net charge-offs to loans | 0.7468% | 246 |
| Credit loss provision to net charge-offs | 194.9807% | 1,469 |
| Earnings coverage of net charge-offs (x) | 15.5755% | 2,175 |
| Efficiency ratio | 38.6464% | 5,856 |
| Assets per employee ($millions) | 7.4693% | 729 |
| Cash dividends to net income (ytd only)* | 1.1915% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3139% | 135 |
| Loan loss allowance to noncurrent loans | 145.8724% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 3,318 |
| Noncurrent loans to loans | 2.2718% | 816 |
| Net loans and leases to total assets | 20.9445% | 5,858 |
| Net loans and leases to deposits | 32.2693% | 5,782 |
| Net loans and leases to core deposits | 34.9708% | 5,766 |
| Total domestic deposits to total assets | 64.9053% | 5,836 |
| Equity capital to assets | 24.1207% | 121 |
| Core capital (leverage) ratio | 22.8368% | 126 |
| Tier 1 risk-based capital ratio | 45.0530% | 178 |
| Total risk-based capital ratio | 46.3057% | 177 |
| Memoranda: | ||
| Average total assets | $215,489,000 | 2,809 |
| Average earning assets | $200,103,000 | 2,802 |
| Average equity | $50,579,000 | 1,508 |
| Average total loans | $46,239,000 | 4,726 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7624% | 942 |
| Cost of funding earning assets | 0.8756% | 324 |
| Net interest margin | 3.8868% | 2,025 |
| Noninterest income to average assets | 0.4165% | 3,774 |
| Noninterest expense to average assets | 1.5629% | 5,793 |
| Loan and lease loss provision to assets | 0.2817% | 654 |
| Net operating income to assets | 1.6700% | 613 |
| Return on assets (ROA) | 1.6763% | 646 |
| Pretax return on assets | 2.1914% | 386 |
| Return on Equity (ROE) | 7.2087% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.0808% | 1,565 |
| Net charge-offs to loans | 0.5955% | 352 |
| Credit loss provision to net charge-offs | 221.1679% | 1,216 |
| Earnings coverage of net charge-offs (x) | 19.3504% | 1,781 |
| Efficiency ratio | 38.8042% | 5,928 |
| Assets per employee ($millions) | 7.7764% | 623 |
| Cash dividends to net income (ytd only)* | 1.7748% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1770% | 164 |
| Loan loss allowance to noncurrent loans | 161.9100% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 3,219 |
| Noncurrent loans to loans | 1.9622% | 1,018 |
| Net loans and leases to total assets | 20.6454% | 5,932 |
| Net loans and leases to deposits | 31.7270% | 5,857 |
| Net loans and leases to core deposits | 34.3612% | 5,841 |
| Total domestic deposits to total assets | 65.0719% | 5,913 |
| Equity capital to assets | 23.8749% | 116 |
| Core capital (leverage) ratio | 21.7617% | 139 |
| Tier 1 risk-based capital ratio | 44.4718% | 177 |
| Total risk-based capital ratio | 45.7231% | 174 |
| Memoranda: | ||
| Average total assets | $215,115,000 | 2,825 |
| Average earning assets | $199,855,670 | 2,815 |
| Average equity | $50,022,670 | 1,524 |
| Average total loans | $46,011,000 | 4,769 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 855 |
| Cost of funding earning assets | 0.8738% | 330 |
| Net interest margin | 3.9219% | 1,877 |
| Noninterest income to average assets | 0.4378% | 3,559 |
| Noninterest expense to average assets | 1.5659% | 5,857 |
| Loan and lease loss provision to assets | 0.2806% | 588 |
| Net operating income to assets | 1.7455% | 521 |
| Return on assets (ROA) | 1.7586% | 539 |
| Pretax return on assets | 2.2525% | 341 |
| Return on Equity (ROE) | 7.6670% | 3,101 |
| Retained earnings to average equity (ytd only) | 7.5202% | 1,655 |
| Net charge-offs to loans | 0.5939% | 369 |
| Credit loss provision to net charge-offs | 220.5882% | 1,019 |
| Earnings coverage of net charge-offs (x) | 19.7794% | 1,493 |
| Efficiency ratio | 38.3593% | 5,997 |
| Assets per employee ($millions) | 7.6693% | 652 |
| Cash dividends to net income (ytd only)* | 1.9149% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0439% | 216 |
| Loan loss allowance to noncurrent loans | 128.9157% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 2,989 |
| Noncurrent loans to loans | 2.3612% | 832 |
| Net loans and leases to total assets | 20.6330% | 5,983 |
| Net loans and leases to deposits | 31.3283% | 5,909 |
| Net loans and leases to core deposits | 33.9673% | 5,891 |
| Total domestic deposits to total assets | 65.8604% | 5,967 |
| Equity capital to assets | 23.2138% | 120 |
| Core capital (leverage) ratio | 21.6155% | 142 |
| Tier 1 risk-based capital ratio | 45.6086% | 168 |
| Total risk-based capital ratio | 46.8601% | 166 |
| Memoranda: | ||
| Average total assets | $213,803,000 | 2,846 |
| Average earning assets | $198,681,500 | 2,834 |
| Average equity | $49,041,500 | 1,547 |
| Average total loans | $45,802,500 | 4,810 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 1,065 |
| Cost of funding earning assets | 0.8796% | 317 |
| Net interest margin | 3.8426% | 2,225 |
| Noninterest income to average assets | 0.3717% | 4,252 |
| Noninterest expense to average assets | 1.5730% | 5,937 |
| Loan and lease loss provision to assets | 0.3180% | 517 |
| Net operating income to assets | 1.6649% | 613 |
| Return on assets (ROA) | 1.6649% | 631 |
| Pretax return on assets | 2.0443% | 490 |
| Return on Equity (ROE) | 7.2692% | 3,376 |
| Retained earnings to average equity (ytd only) | 2.7667% | 4,106 |
| Net charge-offs to loans | 1.7239% | 81 |
| Credit loss provision to net charge-offs | 87.8307% | 2,802 |
| Earnings coverage of net charge-offs (x) | 6.5238% | 3,211 |
| Efficiency ratio | 39.9708% | 6,064 |
| Assets per employee ($millions) | 7.8840% | 590 |
| Cash dividends to net income (ytd only)* | 61.9390% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8514% | 269 |
| Loan loss allowance to noncurrent loans | 146.4206% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 3,213 |
| Noncurrent loans to loans | 1.9474% | 1,090 |
| Net loans and leases to total assets | 20.9511% | 6,038 |
| Net loans and leases to deposits | 31.4298% | 5,976 |
| Net loans and leases to core deposits | 34.0703% | 5,961 |
| Total domestic deposits to total assets | 66.6599% | 6,004 |
| Equity capital to assets | 22.6592% | 130 |
| Core capital (leverage) ratio | 21.4356% | 146 |
| Tier 1 risk-based capital ratio | 44.4857% | 176 |
| Total risk-based capital ratio | 45.7362% | 173 |
| Memoranda: | ||
| Average total assets | $208,779,200 | 2,862 |
| Average earning assets | $193,618,200 | 2,853 |
| Average equity | $47,818,200 | 1,551 |
| Average total loans | $43,854,000 | 4,862 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 1,094 |
| Cost of funding earning assets | 0.8798% | 318 |
| Net interest margin | 3.8245% | 2,289 |
| Noninterest income to average assets | 0.4293% | 3,869 |
| Noninterest expense to average assets | 1.5851% | 5,987 |
| Loan and lease loss provision to assets | 0.2907% | 523 |
| Net operating income to assets | 1.5851% | 795 |
| Return on assets (ROA) | 1.5851% | 835 |
| Pretax return on assets | 2.0992% | 499 |
| Return on Equity (ROE) | 6.9020% | 3,682 |
| Retained earnings to average equity (ytd only) | 4.4514% | 3,294 |
| Net charge-offs to loans | 0.7291% | 287 |
| Credit loss provision to net charge-offs | 191.1392% | 1,386 |
| Earnings coverage of net charge-offs (x) | 15.7132% | 2,161 |
| Efficiency ratio | 39.8773% | 6,133 |
| Assets per employee ($millions) | 7.4618% | 699 |
| Cash dividends to net income (ytd only)* | 35.5060% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5253% | 143 |
| Loan loss allowance to noncurrent loans | 162.6761% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.7098% | 3,132 |
| Noncurrent loans to loans | 2.1670% | 1,026 |
| Net loans and leases to total assets | 21.1804% | 6,121 |
| Net loans and leases to deposits | 32.2567% | 6,047 |
| Net loans and leases to core deposits | 35.0597% | 6,028 |
| Total domestic deposits to total assets | 65.6620% | 6,099 |
| Equity capital to assets | 23.2256% | 125 |
| Core capital (leverage) ratio | 21.8591% | 141 |
| Tier 1 risk-based capital ratio | 45.7527% | 172 |
| Total risk-based capital ratio | 47.0069% | 168 |
| Memoranda: | ||
| Average total assets | $207,757,250 | 2,898 |
| Average earning assets | $192,614,250 | 2,890 |
| Average equity | $47,714,250 | 1,564 |
| Average total loans | $43,340,750 | 4,932 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 1,129 |
| Cost of funding earning assets | 0.8743% | 327 |
| Net interest margin | 3.7970% | 2,327 |
| Noninterest income to average assets | 0.4726% | 3,546 |
| Noninterest expense to average assets | 1.5923% | 6,054 |
| Loan and lease loss provision to assets | 0.2903% | 545 |
| Net operating income to assets | 1.5866% | 768 |
| Return on assets (ROA) | 1.5866% | 797 |
| Pretax return on assets | 2.1083% | 491 |
| Return on Equity (ROE) | 6.9345% | 3,648 |
| Retained earnings to average equity (ytd only) | 3.2375% | 3,988 |
| Net charge-offs to loans | 0.5412% | 453 |
| Credit loss provision to net charge-offs | 261.7391% | 1,015 |
| Earnings coverage of net charge-offs (x) | 21.6261% | 1,667 |
| Efficiency ratio | 39.8985% | 6,207 |
| Assets per employee ($millions) | 7.4025% | 696 |
| Cash dividends to net income (ytd only)* | 53.3131% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5851% | 150 |
| Loan loss allowance to noncurrent loans | 195.6843% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 3,733 |
| Noncurrent loans to loans | 1.8321% | 1,385 |
| Net loans and leases to total assets | 20.5911% | 6,201 |
| Net loans and leases to deposits | 30.9602% | 6,134 |
| Net loans and leases to core deposits | 33.4869% | 6,114 |
| Total domestic deposits to total assets | 66.5083% | 6,155 |
| Equity capital to assets | 22.6218% | 134 |
| Core capital (leverage) ratio | 21.3336% | 155 |
| Tier 1 risk-based capital ratio | 39.9175% | 261 |
| Total risk-based capital ratio | 41.1689% | 260 |
| Memoranda: | ||
| Average total assets | $207,366,670 | 2,918 |
| Average earning assets | $192,154,000 | 2,911 |
| Average equity | $47,444,000 | 1,580 |
| Average total loans | $42,498,000 | 5,012 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 1,202 |
| Cost of funding earning assets | 0.8700% | 334 |
| Net interest margin | 3.7380% | 2,478 |
| Noninterest income to average assets | 0.5747% | 2,806 |
| Noninterest expense to average assets | 1.6026% | 6,112 |
| Loan and lease loss provision to assets | 0.2893% | 511 |
| Net operating income to assets | 1.6585% | 648 |
| Return on assets (ROA) | 1.6585% | 677 |
| Pretax return on assets | 2.1464% | 438 |
| Return on Equity (ROE) | 7.2084% | 3,398 |
| Retained earnings to average equity (ytd only) | -0.1425% | 5,403 |
| Net charge-offs to loans | 0.2211% | 1,058 |
| Credit loss provision to net charge-offs | 652.1739% | 446 |
| Earnings coverage of net charge-offs (x) | 54.9130% | 788 |
| Efficiency ratio | 39.6848% | 6,272 |
| Assets per employee ($millions) | 7.4522% | 691 |
| Cash dividends to net income (ytd only)* | 101.9767% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6422% | 160 |
| Loan loss allowance to noncurrent loans | 226.3704% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5852% | 3,725 |
| Noncurrent loans to loans | 1.6089% | 1,734 |
| Net loans and leases to total assets | 19.3734% | 6,275 |
| Net loans and leases to deposits | 29.5593% | 6,205 |
| Net loans and leases to core deposits | 31.8345% | 6,188 |
| Total domestic deposits to total assets | 65.5409% | 6,248 |
| Equity capital to assets | 23.0344% | 125 |
| Core capital (leverage) ratio | 21.1736% | 163 |
| Tier 1 risk-based capital ratio | 36.6738% | 316 |
| Total risk-based capital ratio | 37.9237% | 312 |
| Memoranda: | ||
| Average total assets | $207,415,500 | 2,938 |
| Average earning assets | $192,187,000 | 2,925 |
| Average equity | $47,722,000 | 1,578 |
| Average total loans | $41,614,000 | 5,082 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8294% | 1,052 |
| Cost of funding earning assets | 0.8988% | 392 |
| Net interest margin | 3.9306% | 2,118 |
| Noninterest income to average assets | 0.2317% | 5,476 |
| Noninterest expense to average assets | 1.5578% | 6,267 |
| Loan and lease loss provision to assets | 0.0465% | 3,640 |
| Net operating income to assets | 1.7577% | 514 |
| Return on assets (ROA) | 1.7782% | 508 |
| Pretax return on assets | 2.2568% | 286 |
| Return on Equity (ROE) | 8.2446% | 2,996 |
| Retained earnings to average equity (ytd only) | 5.3328% | 2,387 |
| Net charge-offs to loans | 0.8232% | 420 |
| Credit loss provision to net charge-offs | 28.6145% | 3,854 |
| Earnings coverage of net charge-offs (x) | 14.0030% | 2,216 |
| Efficiency ratio | 40.6182% | 6,388 |
| Assets per employee ($millions) | 7.3632% | 700 |
| Cash dividends to net income (ytd only)* | 35.3168% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3943% | 200 |
| Loan loss allowance to noncurrent loans | 431.0769% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6650% | 3,584 |
| Noncurrent loans to loans | 0.7874% | 3,336 |
| Net loans and leases to total assets | 19.3404% | 6,375 |
| Net loans and leases to deposits | 29.4019% | 6,301 |
| Net loans and leases to core deposits | 31.7838% | 6,282 |
| Total domestic deposits to total assets | 65.7795% | 6,330 |
| Equity capital to assets | 22.9811% | 130 |
| Core capital (leverage) ratio | 21.3063% | 160 |
| Tier 1 risk-based capital ratio | 45.1783% | 174 |
| Total risk-based capital ratio | 46.4309% | 174 |
| Memoranda: | ||
| Average total assets | $204,135,600 | 2,945 |
| Average earning assets | $187,146,800 | 2,947 |
| Average equity | $44,029,000 | 1,640 |
| Average total loans | $40,329,400 | 5,169 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8765% | 974 |
| Cost of funding earning assets | 0.8999% | 419 |
| Net interest margin | 3.9767% | 1,942 |
| Noninterest income to average assets | 0.2874% | 5,146 |
| Noninterest expense to average assets | 1.5963% | 6,288 |
| Loan and lease loss provision to assets | 0.0465% | 3,458 |
| Net operating income to assets | 1.7088% | 604 |
| Return on assets (ROA) | 1.7240% | 610 |
| Pretax return on assets | 2.3022% | 297 |
| Return on Equity (ROE) | 8.1280% | 3,141 |
| Retained earnings to average equity (ytd only) | 7.8286% | 1,434 |
| Net charge-offs to loans | 0.5587% | 680 |
| Credit loss provision to net charge-offs | 42.2619% | 3,252 |
| Earnings coverage of net charge-offs (x) | 21.1671% | 1,691 |
| Efficiency ratio | 40.6740% | 6,441 |
| Assets per employee ($millions) | 7.3136% | 696 |
| Cash dividends to net income (ytd only)* | 3.6840% | 3,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7212% | 198 |
| Loan loss allowance to noncurrent loans | 415.3639% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 3,926 |
| Noncurrent loans to loans | 0.8959% | 3,326 |
| Net loans and leases to total assets | 19.4696% | 6,458 |
| Net loans and leases to deposits | 29.4816% | 6,377 |
| Net loans and leases to core deposits | 31.1132% | 6,375 |
| Total domestic deposits to total assets | 66.0398% | 6,402 |
| Equity capital to assets | 22.7497% | 139 |
| Core capital (leverage) ratio | 21.4357% | 160 |
| Tier 1 risk-based capital ratio | 45.5784% | 174 |
| Total risk-based capital ratio | 46.8325% | 171 |
| Memoranda: | ||
| Average total assets | $203,627,250 | 2,972 |
| Average earning assets | $186,247,750 | 2,979 |
| Average equity | $43,191,250 | 1,673 |
| Average total loans | $40,093,000 | 5,237 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9158% | 890 |
| Cost of funding earning assets | 0.9013% | 428 |
| Net interest margin | 4.0145% | 1,771 |
| Noninterest income to average assets | 0.3661% | 4,507 |
| Noninterest expense to average assets | 1.5853% | 6,371 |
| Loan and lease loss provision to assets | 0.0394% | 3,518 |
| Net operating income to assets | 1.8196% | 476 |
| Return on assets (ROA) | 1.7919% | 516 |
| Pretax return on assets | 2.3647% | 269 |
| Return on Equity (ROE) | 8.6592% | 2,752 |
| Retained earnings to average equity (ytd only) | 8.1979% | 1,248 |
| Net charge-offs to loans | 0.4691% | 862 |
| Credit loss provision to net charge-offs | 43.0108% | 2,886 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 1,360 |
| Efficiency ratio | 39.3791% | 6,533 |
| Assets per employee ($millions) | 7.6472% | 581 |
| Cash dividends to net income (ytd only)* | 5.3267% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8365% | 197 |
| Loan loss allowance to noncurrent loans | 362.7002% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6601% | 4,007 |
| Noncurrent loans to loans | 1.0578% | 3,118 |
| Net loans and leases to total assets | 19.2416% | 6,522 |
| Net loans and leases to deposits | 28.6073% | 6,449 |
| Net loans and leases to core deposits | 30.2099% | 6,448 |
| Total domestic deposits to total assets | 67.2609% | 6,448 |
| Equity capital to assets | 21.7852% | 154 |
| Core capital (leverage) ratio | 21.0682% | 160 |
| Tier 1 risk-based capital ratio | 45.0759% | 177 |
| Total risk-based capital ratio | 46.3312% | 173 |
| Memoranda: | ||
| Average total assets | $203,242,670 | 2,994 |
| Average earning assets | $185,280,670 | 3,009 |
| Average equity | $42,059,330 | 1,703 |
| Average total loans | $39,653,670 | 5,292 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0448% | 664 |
| Cost of funding earning assets | 0.9146% | 421 |
| Net interest margin | 4.1301% | 1,391 |
| Noninterest income to average assets | 0.3571% | 4,529 |
| Noninterest expense to average assets | 1.5970% | 6,430 |
| Loan and lease loss provision to assets | 0.0020% | 3,799 |
| Net operating income to assets | 1.9857% | 347 |
| Return on assets (ROA) | 1.7537% | 537 |
| Pretax return on assets | 2.2180% | 345 |
| Return on Equity (ROE) | 8.7097% | 2,597 |
| Retained earnings to average equity (ytd only) | 7.7540% | 1,701 |
| Net charge-offs to loans | 0.1442% | 1,859 |
| Credit loss provision to net charge-offs | 7.1429% | 2,631 |
| Earnings coverage of net charge-offs (x) | 90.5000% | 495 |
| Efficiency ratio | 38.8514% | 6,610 |
| Assets per employee ($millions) | 7.3177% | 687 |
| Cash dividends to net income (ytd only)* | 10.9729% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1455% | 169 |
| Loan loss allowance to noncurrent loans | 519.1693% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 4,317 |
| Noncurrent loans to loans | 0.7985% | 3,876 |
| Net loans and leases to total assets | 18.3381% | 6,607 |
| Net loans and leases to deposits | 26.8236% | 6,530 |
| Net loans and leases to core deposits | 28.4021% | 6,520 |
| Total domestic deposits to total assets | 68.3654% | 6,505 |
| Equity capital to assets | 20.5470% | 191 |
| Core capital (leverage) ratio | 21.0700% | 159 |
| Tier 1 risk-based capital ratio | 44.9911% | 172 |
| Total risk-based capital ratio | 46.2462% | 172 |
| Memoranda: | ||
| Average total assets | $201,626,500 | 3,028 |
| Average earning assets | $183,239,500 | 3,059 |
| Average equity | $40,598,500 | 1,757 |
| Average total loans | $38,823,500 | 5,362 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1154% | 749 |
| Cost of funding earning assets | 0.9661% | 536 |
| Net interest margin | 4.1493% | 1,502 |
| Noninterest income to average assets | 0.2164% | 5,788 |
| Noninterest expense to average assets | 1.6393% | 6,491 |
| Loan and lease loss provision to assets | 0.2322% | 1,552 |
| Net operating income to assets | 1.7023% | 580 |
| Return on assets (ROA) | 1.9073% | 403 |
| Pretax return on assets | 2.3840% | 234 |
| Return on Equity (ROE) | 8.9331% | 2,570 |
| Retained earnings to average equity (ytd only) | 6.0752% | 1,925 |
| Net charge-offs to loans | 0.9174% | 662 |
| Credit loss provision to net charge-offs | 134.7181% | 1,743 |
| Earnings coverage of net charge-offs (x) | 13.6914% | 1,997 |
| Efficiency ratio | 40.9899% | 6,673 |
| Assets per employee ($millions) | 7.0842% | 729 |
| Cash dividends to net income (ytd only)* | 31.9925% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2603% | 167 |
| Loan loss allowance to noncurrent loans | 368.0899% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7723% | 3,962 |
| Noncurrent loans to loans | 1.1574% | 3,226 |
| Net loans and leases to total assets | 18.5574% | 6,686 |
| Net loans and leases to deposits | 26.9089% | 6,628 |
| Net loans and leases to core deposits | 28.4975% | 6,619 |
| Total domestic deposits to total assets | 68.9640% | 6,555 |
| Equity capital to assets | 19.7104% | 227 |
| Core capital (leverage) ratio | 21.2817% | 151 |
| Tier 1 risk-based capital ratio | 41.5413% | 207 |
| Total risk-based capital ratio | 42.7963% | 202 |
| Memoranda: | ||
| Average total assets | $195,513,600 | 3,078 |
| Average earning assets | $178,246,000 | 3,096 |
| Average equity | $41,743,400 | 1,682 |
| Average total loans | $36,733,600 | 5,465 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0883% | 787 |
| Cost of funding earning assets | 0.9786% | 552 |
| Net interest margin | 4.1098% | 1,605 |
| Noninterest income to average assets | 0.2724% | 5,497 |
| Noninterest expense to average assets | 1.6276% | 6,535 |
| Loan and lease loss provision to assets | 0.3094% | 1,094 |
| Net operating income to assets | 1.6147% | 727 |
| Return on assets (ROA) | 1.8788% | 463 |
| Pretax return on assets | 2.4325% | 261 |
| Return on Equity (ROE) | 8.6308% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.6308% | 1,181 |
| Net charge-offs to loans | 0.4407% | 1,460 |
| Credit loss provision to net charge-offs | 376.6667% | 703 |
| Earnings coverage of net charge-offs (x) | 29.2076% | 1,258 |
| Efficiency ratio | 40.4216% | 6,744 |
| Assets per employee ($millions) | 6.6138% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1081% | 107 |
| Loan loss allowance to noncurrent loans | 395.9402% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.8728% | 3,928 |
| Noncurrent loans to loans | 1.2901% | 3,250 |
| Net loans and leases to total assets | 17.9473% | 6,772 |
| Net loans and leases to deposits | 25.5737% | 6,735 |
| Net loans and leases to core deposits | 27.2407% | 6,721 |
| Total domestic deposits to total assets | 70.1788% | 6,587 |
| Equity capital to assets | 21.1606% | 168 |
| Core capital (leverage) ratio | 21.6610% | 145 |
| Tier 1 risk-based capital ratio | 43.5506% | 193 |
| Total risk-based capital ratio | 44.8086% | 190 |
| Memoranda: | ||
| Average total assets | $194,802,750 | 3,118 |
| Average earning assets | $177,945,000 | 3,129 |
| Average equity | $42,405,000 | 1,662 |
| Average total loans | $36,305,000 | 5,536 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9727% | 952 |
| Cost of funding earning assets | 0.9854% | 580 |
| Net interest margin | 3.9873% | 1,909 |
| Noninterest income to average assets | 0.2564% | 5,617 |
| Noninterest expense to average assets | 1.6077% | 6,584 |
| Loan and lease loss provision to assets | 0.3064% | 1,167 |
| Net operating income to assets | 1.5569% | 809 |
| Return on assets (ROA) | 1.9560% | 413 |
| Pretax return on assets | 2.5035% | 272 |
| Return on Equity (ROE) | 8.9046% | 2,655 |
| Retained earnings to average equity (ytd only) | 8.9046% | 1,162 |
| Net charge-offs to loans | 0.4075% | 1,587 |
| Credit loss provision to net charge-offs | 405.4054% | 646 |
| Earnings coverage of net charge-offs (x) | 30.4054% | 1,136 |
| Efficiency ratio | 41.1611% | 6,776 |
| Assets per employee ($millions) | 6.6745% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8471% | 131 |
| Loan loss allowance to noncurrent loans | 452.5907% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.8530% | 4,111 |
| Noncurrent loans to loans | 1.0710% | 3,787 |
| Net loans and leases to total assets | 17.7180% | 6,820 |
| Net loans and leases to deposits | 25.0550% | 6,783 |
| Net loans and leases to core deposits | 26.6678% | 6,768 |
| Total domestic deposits to total assets | 70.7166% | 6,629 |
| Equity capital to assets | 20.7533% | 176 |
| Core capital (leverage) ratio | 20.5132% | 170 |
| Tier 1 risk-based capital ratio | 42.9976% | 194 |
| Total risk-based capital ratio | 44.2553% | 194 |
| Memoranda: | ||
| Average total assets | $195,803,670 | 3,120 |
| Average earning assets | $179,219,000 | 3,125 |
| Average equity | $43,011,330 | 1,636 |
| Average total loans | $36,314,670 | 5,565 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9109% | 1,050 |
| Cost of funding earning assets | 0.9747% | 691 |
| Net interest margin | 3.9363% | 1,995 |
| Noninterest income to average assets | 0.3534% | 4,849 |
| Noninterest expense to average assets | 1.5945% | 6,673 |
| Loan and lease loss provision to assets | 0.3047% | 1,125 |
| Net operating income to assets | 1.6087% | 697 |
| Return on assets (ROA) | 1.6087% | 757 |
| Pretax return on assets | 2.0718% | 528 |
| Return on Equity (ROE) | 7.1300% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.1300% | 2,097 |
| Net charge-offs to loans | 0.1866% | 2,290 |
| Credit loss provision to net charge-offs | 882.3529% | 345 |
| Earnings coverage of net charge-offs (x) | 68.8235% | 520 |
| Efficiency ratio | 40.1535% | 6,869 |
| Assets per employee ($millions) | 6.8123% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5659% | 187 |
| Loan loss allowance to noncurrent loans | 462.0112% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.9202% | 4,094 |
| Noncurrent loans to loans | 0.9883% | 4,155 |
| Net loans and leases to total assets | 17.4993% | 6,894 |
| Net loans and leases to deposits | 25.6370% | 6,829 |
| Net loans and leases to core deposits | 27.2552% | 6,820 |
| Total domestic deposits to total assets | 68.2581% | 6,800 |
| Equity capital to assets | 22.5906% | 136 |
| Core capital (leverage) ratio | 20.2377% | 182 |
| Tier 1 risk-based capital ratio | 43.5416% | 188 |
| Total risk-based capital ratio | 44.7384% | 185 |
| Memoranda: | ||
| Average total assets | $196,925,500 | 3,132 |
| Average earning assets | $180,983,500 | 3,132 |
| Average equity | $44,432,000 | 1,612 |
| Average total loans | $36,451,000 | 5,594 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 1,899 |
| Cost of funding earning assets | 1.0984% | 916 |
| Net interest margin | 3.7838% | 3,298 |
| Noninterest income to average assets | 0.2936% | 5,366 |
| Noninterest expense to average assets | 3.3141% | 2,292 |
| Loan and lease loss provision to assets | 0.2970% | 2,304 |
| Net operating income to assets | 0.1295% | 5,945 |
| Return on assets (ROA) | 1.5612% | 891 |
| Pretax return on assets | 1.9053% | 750 |
| Return on Equity (ROE) | 7.0654% | 3,603 |
| Retained earnings to average equity (ytd only) | 0.4193% | 5,650 |
| Net charge-offs to loans | 2.6847% | 217 |
| Credit loss provision to net charge-offs | 61.5228% | 4,404 |
| Earnings coverage of net charge-offs (x) | 0.9452% | 4,995 |
| Efficiency ratio | 87.8965% | 1,252 |
| Assets per employee ($millions) | 6.7688% | 866 |
| Cash dividends to net income (ytd only)* | 94.0659% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1470% | 261 |
| Loan loss allowance to noncurrent loans | 505.3156% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.9409% | 4,149 |
| Noncurrent loans to loans | 0.8207% | 4,543 |
| Net loans and leases to total assets | 17.9098% | 6,951 |
| Net loans and leases to deposits | 26.2407% | 6,899 |
| Net loans and leases to core deposits | 27.9071% | 6,887 |
| Total domestic deposits to total assets | 68.2519% | 6,847 |
| Equity capital to assets | 22.5350% | 140 |
| Core capital (leverage) ratio | 19.8521% | 201 |
| Tier 1 risk-based capital ratio | 43.8806% | 181 |
| Total risk-based capital ratio | 45.1360% | 179 |
| Memoranda: | ||
| Average total assets | $204,008,200 | 3,002 |
| Average earning assets | $187,455,000 | 2,995 |
| Average equity | $45,078,800 | 1,541 |
| Average total loans | $36,690,000 | 5,649 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8700% | 2,122 |
| Cost of funding earning assets | 1.1371% | 919 |
| Net interest margin | 3.7329% | 3,645 |
| Noninterest income to average assets | 0.3237% | 5,192 |
| Noninterest expense to average assets | 3.8762% | 1,098 |
| Loan and lease loss provision to assets | 0.2926% | 2,245 |
| Net operating income to assets | -0.3193% | 6,586 |
| Return on assets (ROA) | 1.4334% | 1,276 |
| Pretax return on assets | 1.8937% | 882 |
| Return on Equity (ROE) | 6.5179% | 4,054 |
| Retained earnings to average equity (ytd only) | 6.5179% | 2,367 |
| Net charge-offs to loans | 2.9977% | 185 |
| Credit loss provision to net charge-offs | 54.7879% | 4,284 |
| Earnings coverage of net charge-offs (x) | -0.2242% | 5,418 |
| Efficiency ratio | 103.1886% | 442 |
| Assets per employee ($millions) | 7.0478% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2807% | 248 |
| Loan loss allowance to noncurrent loans | 397.6563% | 945 |
| Noncurrent assets plus other real estate owned to assets | 1.0900% | 4,112 |
| Noncurrent loans to loans | 1.0765% | 4,289 |
| Net loans and leases to total assets | 17.3029% | 7,056 |
| Net loans and leases to deposits | 25.8254% | 7,010 |
| Net loans and leases to core deposits | 27.7581% | 6,994 |
| Total domestic deposits to total assets | 66.9996% | 6,954 |
| Equity capital to assets | 23.5769% | 124 |
| Core capital (leverage) ratio | 21.0314% | 171 |
| Tier 1 risk-based capital ratio | 46.6846% | 159 |
| Total risk-based capital ratio | 47.9406% | 159 |
| Memoranda: | ||
| Average total assets | $205,936,500 | 3,010 |
| Average earning assets | $189,372,000 | 2,998 |
| Average equity | $45,289,750 | 1,546 |
| Average total loans | $36,693,250 | 5,720 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 2,051 |
| Cost of funding earning assets | 1.2232% | 741 |
| Net interest margin | 3.6903% | 3,870 |
| Noninterest income to average assets | 0.3238% | 5,238 |
| Noninterest expense to average assets | 4.9702% | 387 |
| Loan and lease loss provision to assets | 0.2874% | 2,282 |
| Net operating income to assets | -1.1894% | 6,954 |
| Return on assets (ROA) | 1.4377% | 1,249 |
| Pretax return on assets | 1.8707% | 899 |
| Return on Equity (ROE) | 6.6893% | 3,938 |
| Retained earnings to average equity (ytd only) | 6.6893% | 2,279 |
| Net charge-offs to loans | 1.7390% | 512 |
| Credit loss provision to net charge-offs | 93.1677% | 2,951 |
| Earnings coverage of net charge-offs (x) | -4.0652% | 5,433 |
| Efficiency ratio | 133.7371% | 148 |
| Assets per employee ($millions) | 6.8760% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2228% | 131 |
| Loan loss allowance to noncurrent loans | 260.1108% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 1.1396% | 4,114 |
| Noncurrent loans to loans | 2.0079% | 2,942 |
| Net loans and leases to total assets | 17.7012% | 7,111 |
| Net loans and leases to deposits | 26.3410% | 7,068 |
| Net loans and leases to core deposits | 28.0815% | 7,055 |
| Total domestic deposits to total assets | 67.2003% | 7,019 |
| Equity capital to assets | 23.4837% | 122 |
| Core capital (leverage) ratio | 20.8909% | 169 |
| Tier 1 risk-based capital ratio | 46.4217% | 156 |
| Total risk-based capital ratio | 47.6835% | 155 |
| Memoranda: | ||
| Average total assets | $208,803,000 | 2,981 |
| Average earning assets | $191,961,330 | 2,973 |
| Average equity | $44,877,670 | 1,554 |
| Average total loans | $37,033,670 | 5,734 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0064% | 1,863 |
| Cost of funding earning assets | 1.4607% | 337 |
| Net interest margin | 3.5457% | 4,507 |
| Noninterest income to average assets | 0.3098% | 5,408 |
| Noninterest expense to average assets | 1.3755% | 7,128 |
| Loan and lease loss provision to assets | 0.2766% | 2,246 |
| Net operating income to assets | 1.4751% | 1,070 |
| Return on assets (ROA) | 1.4751% | 1,196 |
| Pretax return on assets | 1.9250% | 835 |
| Return on Equity (ROE) | 7.1572% | 3,684 |
| Retained earnings to average equity (ytd only) | 7.1572% | 2,347 |
| Net charge-offs to loans | 2.7574% | 279 |
| Credit loss provision to net charge-offs | 57.9151% | 3,156 |
| Earnings coverage of net charge-offs (x) | 4.6100% | 2,544 |
| Efficiency ratio | 38.4536% | 7,142 |
| Assets per employee ($millions) | 7.8219% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9153% | 188 |
| Loan loss allowance to noncurrent loans | 303.0457% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 4,641 |
| Noncurrent loans to loans | 1.6220% | 3,682 |
| Net loans and leases to total assets | 15.8191% | 7,191 |
| Net loans and leases to deposits | 26.7147% | 7,116 |
| Net loans and leases to core deposits | 28.5540% | 7,095 |
| Total domestic deposits to total assets | 59.2149% | 7,202 |
| Equity capital to assets | 20.7736% | 197 |
| Core capital (leverage) ratio | 18.2752% | 282 |
| Tier 1 risk-based capital ratio | 41.4315% | 207 |
| Total risk-based capital ratio | 42.6897% | 202 |
| Memoranda: | ||
| Average total assets | $216,940,000 | 2,923 |
| Average earning assets | $199,906,000 | 2,898 |
| Average equity | $44,710,000 | 1,548 |
| Average total loans | $37,571,500 | 5,750 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3620% | 1,525 |
| Cost of funding earning assets | 1.5861% | 501 |
| Net interest margin | 3.7760% | 3,943 |
| Noninterest income to average assets | 0.2617% | 5,665 |
| Noninterest expense to average assets | 1.4830% | 7,179 |
| Loan and lease loss provision to assets | 0.3831% | 2,697 |
| Net operating income to assets | 1.4950% | 830 |
| Return on assets (ROA) | 1.5319% | 838 |
| Pretax return on assets | 1.9084% | 650 |
| Return on Equity (ROE) | 8.2068% | 2,804 |
| Retained earnings to average equity (ytd only) | 5.6351% | 2,219 |
| Net charge-offs to loans | 1.1627% | 1,459 |
| Credit loss provision to net charge-offs | 171.3684% | 1,562 |
| Earnings coverage of net charge-offs (x) | 10.0442% | 1,892 |
| Efficiency ratio | 39.7753% | 7,216 |
| Assets per employee ($millions) | 7.6738% | 534 |
| Cash dividends to net income (ytd only)* | 31.3364% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9088% | 191 |
| Loan loss allowance to noncurrent loans | 90.9526% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.0797% | 4,461 |
| Noncurrent loans to loans | 5.3971% | 995 |
| Net loans and leases to total assets | 17.1297% | 7,239 |
| Net loans and leases to deposits | 28.8315% | 7,157 |
| Net loans and leases to core deposits | 30.9656% | 7,134 |
| Total domestic deposits to total assets | 59.4133% | 7,235 |
| Equity capital to assets | 20.4420% | 209 |
| Core capital (leverage) ratio | 18.0798% | 293 |
| Tier 1 risk-based capital ratio | 43.7964% | 178 |
| Total risk-based capital ratio | 45.0578% | 176 |
| Memoranda: | ||
| Average total assets | $212,481,800 | 2,913 |
| Average earning assets | $195,075,600 | 2,916 |
| Average equity | $39,662,400 | 1,706 |
| Average total loans | $40,854,200 | 5,649 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4594% | 1,369 |
| Cost of funding earning assets | 1.6180% | 539 |
| Net interest margin | 3.8414% | 3,663 |
| Noninterest income to average assets | 0.2706% | 5,679 |
| Noninterest expense to average assets | 1.4775% | 7,242 |
| Loan and lease loss provision to assets | 0.2850% | 3,236 |
| Net operating income to assets | 1.5458% | 858 |
| Return on assets (ROA) | 1.5926% | 857 |
| Pretax return on assets | 2.0910% | 526 |
| Return on Equity (ROE) | 8.7431% | 2,712 |
| Retained earnings to average equity (ytd only) | 8.7431% | 1,236 |
| Net charge-offs to loans | 1.4206% | 1,044 |
| Credit loss provision to net charge-offs | 102.7211% | 3,242 |
| Earnings coverage of net charge-offs (x) | 8.3401% | 2,193 |
| Efficiency ratio | 38.9645% | 7,276 |
| Assets per employee ($millions) | 7.6794% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8717% | 431 |
| Loan loss allowance to noncurrent loans | 76.8817% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.1208% | 4,538 |
| Noncurrent loans to loans | 5.0359% | 1,230 |
| Net loans and leases to total assets | 18.1633% | 7,306 |
| Net loans and leases to deposits | 30.8728% | 7,200 |
| Net loans and leases to core deposits | 32.6626% | 7,188 |
| Total domestic deposits to total assets | 58.8326% | 7,316 |
| Equity capital to assets | 20.7481% | 218 |
| Core capital (leverage) ratio | 18.6286% | 279 |
| Tier 1 risk-based capital ratio | 43.5352% | 195 |
| Total risk-based capital ratio | 44.7918% | 192 |
| Memoranda: | ||
| Average total assets | $211,885,750 | 2,932 |
| Average earning assets | $194,228,000 | 2,932 |
| Average equity | $38,597,250 | 1,747 |
| Average total loans | $41,391,250 | 5,670 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6242% | 1,030 |
| Cost of funding earning assets | 1.6406% | 587 |
| Net interest margin | 3.9836% | 2,923 |
| Noninterest income to average assets | 0.2656% | 5,751 |
| Noninterest expense to average assets | 1.4570% | 7,329 |
| Loan and lease loss provision to assets | 0.2855% | 3,095 |
| Net operating income to assets | 1.7033% | 597 |
| Return on assets (ROA) | 1.7767% | 566 |
| Pretax return on assets | 2.2576% | 379 |
| Return on Equity (ROE) | 10.2372% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.2372% | 796 |
| Net charge-offs to loans | 0.4514% | 2,770 |
| Credit loss provision to net charge-offs | 320.2128% | 948 |
| Earnings coverage of net charge-offs (x) | 27.4787% | 989 |
| Efficiency ratio | 37.2906% | 7,372 |
| Assets per employee ($millions) | 7.4897% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2435% | 347 |
| Loan loss allowance to noncurrent loans | 82.3858% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 4,576 |
| Noncurrent loans to loans | 5.1507% | 1,255 |
| Net loans and leases to total assets | 19.0242% | 7,378 |
| Net loans and leases to deposits | 31.4184% | 7,283 |
| Net loans and leases to core deposits | 33.1522% | 7,273 |
| Total domestic deposits to total assets | 60.5511% | 7,372 |
| Equity capital to assets | 19.3518% | 295 |
| Core capital (leverage) ratio | 18.3985% | 304 |
| Tier 1 risk-based capital ratio | 42.5129% | 206 |
| Total risk-based capital ratio | 43.7721% | 206 |
| Memoranda: | ||
| Average total assets | $210,840,330 | 2,966 |
| Average earning assets | $192,738,670 | 2,959 |
| Average equity | $36,592,000 | 1,828 |
| Average total loans | $41,645,670 | 5,724 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7456% | 809 |
| Cost of funding earning assets | 1.6461% | 682 |
| Net interest margin | 4.0996% | 2,272 |
| Noninterest income to average assets | 0.3008% | 5,515 |
| Noninterest expense to average assets | 1.4361% | 7,398 |
| Loan and lease loss provision to assets | 0.2819% | 2,890 |
| Net operating income to assets | 1.8089% | 485 |
| Return on assets (ROA) | 1.8089% | 506 |
| Pretax return on assets | 2.3103% | 339 |
| Return on Equity (ROE) | 11.0531% | 1,722 |
| Retained earnings to average equity (ytd only) | 11.0531% | 891 |
| Net charge-offs to loans | -0.0384% | 6,806 |
| Credit loss provision to net charge-offs | -3,725.0000% | 6,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6505% | 7,452 |
| Assets per employee ($millions) | 7.3541% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1449% | 383 |
| Loan loss allowance to noncurrent loans | 79.4622% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.2262% | 4,505 |
| Noncurrent loans to loans | 5.2162% | 1,273 |
| Net loans and leases to total assets | 18.5859% | 7,445 |
| Net loans and leases to deposits | 29.2061% | 7,366 |
| Net loans and leases to core deposits | 33.6591% | 7,311 |
| Total domestic deposits to total assets | 63.6370% | 7,373 |
| Equity capital to assets | 16.7661% | 468 |
| Core capital (leverage) ratio | 17.7422% | 345 |
| Tier 1 risk-based capital ratio | 37.2118% | 295 |
| Total risk-based capital ratio | 38.4670% | 287 |
| Memoranda: | ||
| Average total assets | $211,404,500 | 2,973 |
| Average earning assets | $192,215,000 | 2,981 |
| Average equity | $34,596,500 | 1,916 |
| Average total loans | $41,636,500 | 5,776 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 2,467 |
| Cost of funding earning assets | 1.7162% | 1,524 |
| Net interest margin | 3.7368% | 4,198 |
| Noninterest income to average assets | 0.3040% | 5,622 |
| Noninterest expense to average assets | 1.4762% | 7,456 |
| Loan and lease loss provision to assets | 0.5488% | 2,942 |
| Net operating income to assets | 1.4100% | 928 |
| Return on assets (ROA) | 1.6411% | 627 |
| Pretax return on assets | 2.0086% | 471 |
| Return on Equity (ROE) | 9.5336% | 2,099 |
| Retained earnings to average equity (ytd only) | 4.5740% | 2,677 |
| Net charge-offs to loans | 4.2867% | 268 |
| Credit loss provision to net charge-offs | 59.2112% | 6,092 |
| Earnings coverage of net charge-offs (x) | 2.4551% | 3,898 |
| Efficiency ratio | 39.3462% | 7,514 |
| Assets per employee ($millions) | 7.4836% | 595 |
| Cash dividends to net income (ytd only)* | 52.0223% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7237% | 510 |
| Loan loss allowance to noncurrent loans | 67.8106% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.3854% | 4,270 |
| Noncurrent loans to loans | 5.4913% | 1,198 |
| Net loans and leases to total assets | 19.2612% | 7,525 |
| Net loans and leases to deposits | 30.0086% | 7,460 |
| Net loans and leases to core deposits | 34.8150% | 7,407 |
| Total domestic deposits to total assets | 64.1858% | 7,440 |
| Equity capital to assets | 15.9569% | 589 |
| Core capital (leverage) ratio | 17.6237% | 353 |
| Tier 1 risk-based capital ratio | 41.4116% | 223 |
| Total risk-based capital ratio | 42.6682% | 216 |
| Memoranda: | ||
| Average total assets | $207,905,400 | 3,003 |
| Average earning assets | $191,823,000 | 2,976 |
| Average equity | $35,789,200 | 1,851 |
| Average total loans | $44,953,200 | 5,706 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4105% | 2,833 |
| Cost of funding earning assets | 1.7247% | 1,746 |
| Net interest margin | 3.6859% | 4,479 |
| Noninterest income to average assets | 0.2660% | 5,988 |
| Noninterest expense to average assets | 1.4483% | 7,576 |
| Loan and lease loss provision to assets | 0.5166% | 2,874 |
| Net operating income to assets | 1.3307% | 1,283 |
| Return on assets (ROA) | 1.6244% | 780 |
| Pretax return on assets | 2.0915% | 516 |
| Return on Equity (ROE) | 9.2656% | 2,399 |
| Retained earnings to average equity (ytd only) | 6.4800% | 2,101 |
| Net charge-offs to loans | 4.2410% | 268 |
| Credit loss provision to net charge-offs | 55.2957% | 5,794 |
| Earnings coverage of net charge-offs (x) | 2.3886% | 3,977 |
| Efficiency ratio | 39.3574% | 7,594 |
| Assets per employee ($millions) | 7.2283% | 699 |
| Cash dividends to net income (ytd only)* | 30.0634% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8531% | 415 |
| Loan loss allowance to noncurrent loans | 56.6422% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.8321% | 3,701 |
| Noncurrent loans to loans | 6.8026% | 849 |
| Net loans and leases to total assets | 20.9223% | 7,612 |
| Net loans and leases to deposits | 35.4835% | 7,484 |
| Net loans and leases to core deposits | 38.0045% | 7,455 |
| Total domestic deposits to total assets | 58.9633% | 7,608 |
| Equity capital to assets | 19.8867% | 295 |
| Core capital (leverage) ratio | 16.8767% | 443 |
| Tier 1 risk-based capital ratio | 44.9207% | 183 |
| Total risk-based capital ratio | 46.1809% | 179 |
| Memoranda: | ||
| Average total assets | $207,496,750 | 3,048 |
| Average earning assets | $192,188,250 | 3,010 |
| Average equity | $36,377,500 | 1,839 |
| Average total loans | $45,711,250 | 5,752 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4017% | 2,970 |
| Cost of funding earning assets | 1.7145% | 2,045 |
| Net interest margin | 3.6872% | 4,420 |
| Noninterest income to average assets | 0.2658% | 6,013 |
| Noninterest expense to average assets | 1.4264% | 7,652 |
| Loan and lease loss provision to assets | 0.5736% | 2,480 |
| Net operating income to assets | 1.3126% | 1,274 |
| Return on assets (ROA) | 1.7495% | 578 |
| Pretax return on assets | 2.2390% | 380 |
| Return on Equity (ROE) | 10.4312% | 1,951 |
| Retained earnings to average equity (ytd only) | 6.0991% | 2,281 |
| Net charge-offs to loans | 1.9236% | 959 |
| Credit loss provision to net charge-offs | 134.8315% | 2,974 |
| Earnings coverage of net charge-offs (x) | 5.2944% | 2,708 |
| Efficiency ratio | 38.7734% | 7,662 |
| Assets per employee ($millions) | 7.6147% | 592 |
| Cash dividends to net income (ytd only)* | 41.5301% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4933% | 133 |
| Loan loss allowance to noncurrent loans | 62.7131% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.9253% | 3,589 |
| Noncurrent loans to loans | 8.7594% | 556 |
| Net loans and leases to total assets | 20.1804% | 7,688 |
| Net loans and leases to deposits | 32.0354% | 7,612 |
| Net loans and leases to core deposits | 38.8274% | 7,513 |
| Total domestic deposits to total assets | 62.9941% | 7,609 |
| Equity capital to assets | 17.4577% | 474 |
| Core capital (leverage) ratio | 16.7901% | 466 |
| Tier 1 risk-based capital ratio | 40.3111% | 242 |
| Total risk-based capital ratio | 41.5805% | 235 |
| Memoranda: | ||
| Average total assets | $209,198,330 | 3,054 |
| Average earning assets | $193,643,000 | 3,026 |
| Average equity | $35,087,000 | 1,902 |
| Average total loans | $46,267,670 | 5,749 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5700% | 2,283 |
| Cost of funding earning assets | 1.7283% | 2,244 |
| Net interest margin | 3.8417% | 3,617 |
| Noninterest income to average assets | 0.2182% | 6,397 |
| Noninterest expense to average assets | 1.4750% | 7,723 |
| Loan and lease loss provision to assets | 0.9170% | 1,388 |
| Net operating income to assets | 1.0392% | 2,034 |
| Return on assets (ROA) | 1.6217% | 762 |
| Pretax return on assets | 2.1372% | 467 |
| Return on Equity (ROE) | 9.8767% | 2,144 |
| Retained earnings to average equity (ytd only) | 0.9406% | 5,437 |
| Net charge-offs to loans | 3.3707% | 431 |
| Credit loss provision to net charge-offs | 120.8651% | 2,888 |
| Earnings coverage of net charge-offs (x) | 3.0153% | 3,044 |
| Efficiency ratio | 39.1996% | 7,751 |
| Assets per employee ($millions) | 7.4565% | 663 |
| Cash dividends to net income (ytd only)* | 90.4762% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2896% | 145 |
| Loan loss allowance to noncurrent loans | 58.9563% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 2.0294% | 3,464 |
| Noncurrent loans to loans | 8.9721% | 545 |
| Net loans and leases to total assets | 20.8309% | 7,776 |
| Net loans and leases to deposits | 32.8019% | 7,684 |
| Net loans and leases to core deposits | 36.9862% | 7,635 |
| Total domestic deposits to total assets | 63.5053% | 7,692 |
| Equity capital to assets | 16.4196% | 615 |
| Core capital (leverage) ratio | 16.4745% | 512 |
| Tier 1 risk-based capital ratio | 38.8666% | 270 |
| Total risk-based capital ratio | 40.1341% | 260 |
| Memoranda: | ||
| Average total assets | $207,191,500 | 3,128 |
| Average earning assets | $191,166,000 | 3,105 |
| Average equity | $34,019,500 | 1,986 |
| Average total loans | $46,637,500 | 5,812 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0680% | 1,606 |
| Cost of funding earning assets | 1.9181% | 3,362 |
| Net interest margin | 4.1500% | 2,244 |
| Noninterest income to average assets | 0.2980% | 5,967 |
| Noninterest expense to average assets | 1.4610% | 7,822 |
| Loan and lease loss provision to assets | 1.3192% | 1,744 |
| Net operating income to assets | 1.1717% | 1,323 |
| Return on assets (ROA) | 1.3587% | 972 |
| Pretax return on assets | 1.5559% | 1,063 |
| Return on Equity (ROE) | 8.2076% | 2,287 |
| Retained earnings to average equity (ytd only) | 4.6965% | 1,977 |
| Net charge-offs to loans | 1.4909% | 1,680 |
| Credit loss provision to net charge-offs | 368.6464% | 869 |
| Earnings coverage of net charge-offs (x) | 7.4337% | 2,150 |
| Efficiency ratio | 35.4521% | 7,904 |
| Assets per employee ($millions) | 7.6149% | 602 |
| Cash dividends to net income (ytd only)* | 42.7792% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9562% | 178 |
| Loan loss allowance to noncurrent loans | 61.3274% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.9377% | 3,473 |
| Noncurrent loans to loans | 8.0815% | 617 |
| Net loans and leases to total assets | 21.8908% | 7,841 |
| Net loans and leases to deposits | 34.6776% | 7,748 |
| Net loans and leases to core deposits | 46.6279% | 7,653 |
| Total domestic deposits to total assets | 63.1268% | 7,731 |
| Equity capital to assets | 16.4191% | 630 |
| Core capital (leverage) ratio | 16.7709% | 516 |
| Tier 1 risk-based capital ratio | 33.6044% | 391 |
| Total risk-based capital ratio | 34.8666% | 377 |
| Memoranda: | ||
| Average total assets | $202,321,600 | 3,156 |
| Average earning assets | $186,386,400 | 3,136 |
| Average equity | $33,493,200 | 2,003 |
| Average total loans | $48,560,200 | 5,736 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2545% | 1,230 |
| Cost of funding earning assets | 1.9479% | 3,629 |
| Net interest margin | 4.3066% | 1,712 |
| Noninterest income to average assets | 0.2885% | 6,173 |
| Noninterest expense to average assets | 1.4802% | 7,895 |
| Loan and lease loss provision to assets | 0.4003% | 3,913 |
| Net operating income to assets | 1.7771% | 475 |
| Return on assets (ROA) | 1.6635% | 637 |
| Pretax return on assets | 2.2252% | 327 |
| Return on Equity (ROE) | 10.0276% | 1,902 |
| Retained earnings to average equity (ytd only) | 5.7756% | 2,058 |
| Net charge-offs to loans | 0.4939% | 3,249 |
| Credit loss provision to net charge-offs | 334.2541% | 1,230 |
| Earnings coverage of net charge-offs (x) | 23.1876% | 1,132 |
| Efficiency ratio | 34.7684% | 7,980 |
| Assets per employee ($millions) | 7.1528% | 734 |
| Cash dividends to net income (ytd only)* | 42.4026% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 2,582 |
| Loan loss allowance to noncurrent loans | 60.1602% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 5,711 |
| Noncurrent loans to loans | 2.8472% | 2,668 |
| Net loans and leases to total assets | 22.8492% | 7,917 |
| Net loans and leases to deposits | 37.0438% | 7,801 |
| Net loans and leases to core deposits | 49.2380% | 7,706 |
| Total domestic deposits to total assets | 61.6815% | 7,828 |
| Equity capital to assets | 17.4015% | 575 |
| Core capital (leverage) ratio | 17.0799% | 544 |
| Tier 1 risk-based capital ratio | 33.6956% | 410 |
| Total risk-based capital ratio | 34.4965% | 416 |
| Memoranda: | ||
| Average total assets | $201,501,500 | 3,188 |
| Average earning assets | $185,696,750 | 3,172 |
| Average equity | $33,427,000 | 2,032 |
| Average total loans | $48,861,500 | 5,765 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4623% | 894 |
| Cost of funding earning assets | 1.9986% | 3,781 |
| Net interest margin | 4.4636% | 1,260 |
| Noninterest income to average assets | 0.3047% | 6,083 |
| Noninterest expense to average assets | 1.5146% | 7,966 |
| Loan and lease loss provision to assets | 0.2606% | 4,492 |
| Net operating income to assets | 1.9869% | 306 |
| Return on assets (ROA) | 2.7335% | 90 |
| Pretax return on assets | 3.6086% | 67 |
| Return on Equity (ROE) | 16.7623% | 602 |
| Retained earnings to average equity (ytd only) | 10.2098% | 685 |
| Net charge-offs to loans | 0.4157% | 3,135 |
| Credit loss provision to net charge-offs | 254.9020% | 1,829 |
| Earnings coverage of net charge-offs (x) | 28.2353% | 1,039 |
| Efficiency ratio | 34.4113% | 8,080 |
| Assets per employee ($millions) | 7.1981% | 704 |
| Cash dividends to net income (ytd only)* | 39.0906% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 5,576 |
| Loan loss allowance to noncurrent loans | 112.4498% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 6,613 |
| Noncurrent loans to loans | 0.9813% | 5,245 |
| Net loans and leases to total assets | 24.9010% | 7,981 |
| Net loans and leases to deposits | 40.0532% | 7,815 |
| Net loans and leases to core deposits | 52.9930% | 7,684 |
| Total domestic deposits to total assets | 62.1699% | 7,885 |
| Equity capital to assets | 16.2692% | 787 |
| Core capital (leverage) ratio | 17.4120% | 566 |
| Tier 1 risk-based capital ratio | 33.7415% | 455 |
| Total risk-based capital ratio | 34.2819% | 457 |
| Memoranda: | ||
| Average total assets | $199,525,330 | 3,233 |
| Average earning assets | $183,125,000 | 3,225 |
| Average equity | $32,537,330 | 2,087 |
| Average total loans | $49,074,670 | 5,806 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7617% | 513 |
| Cost of funding earning assets | 2.0283% | 3,996 |
| Net interest margin | 4.7334% | 715 |
| Noninterest income to average assets | 0.2438% | 6,508 |
| Noninterest expense to average assets | 1.4085% | 8,038 |
| Loan and lease loss provision to assets | 0.1511% | 4,992 |
| Net operating income to assets | 2.4325% | 149 |
| Return on assets (ROA) | 3.1816% | 68 |
| Pretax return on assets | 3.9493% | 62 |
| Return on Equity (ROE) | 19.4872% | 461 |
| Retained earnings to average equity (ytd only) | 6.3312% | 2,480 |
| Net charge-offs to loans | 0.4063% | 2,479 |
| Credit loss provision to net charge-offs | 153.0612% | 2,729 |
| Earnings coverage of net charge-offs (x) | 32.1633% | 1,007 |
| Efficiency ratio | 30.7253% | 8,149 |
| Assets per employee ($millions) | 7.0691% | 747 |
| Cash dividends to net income (ytd only)* | 67.5111% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 6,770 |
| Loan loss allowance to noncurrent loans | 121.5909% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 6,696 |
| Noncurrent loans to loans | 0.7372% | 5,590 |
| Net loans and leases to total assets | 23.9052% | 8,036 |
| Net loans and leases to deposits | 38.2205% | 7,891 |
| Net loans and leases to core deposits | 50.0990% | 7,790 |
| Total domestic deposits to total assets | 62.5455% | 7,894 |
| Equity capital to assets | 15.8395% | 902 |
| Core capital (leverage) ratio | 17.1950% | 633 |
| Tier 1 risk-based capital ratio | 32.7954% | 499 |
| Total risk-based capital ratio | 33.2105% | 520 |
| Memoranda: | ||
| Average total assets | $198,515,000 | 3,262 |
| Average earning assets | $182,025,500 | 3,254 |
| Average equity | $32,411,000 | 2,092 |
| Average total loans | $48,238,500 | 5,868 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4499% | 3,187 |
| Cost of funding earning assets | 2.5678% | 3,864 |
| Net interest margin | 3.8821% | 3,651 |
| Noninterest income to average assets | 0.3296% | 6,088 |
| Noninterest expense to average assets | 1.4106% | 8,072 |
| Loan and lease loss provision to assets | 0.2515% | 4,405 |
| Net operating income to assets | 1.6890% | 695 |
| Return on assets (ROA) | 1.7695% | 562 |
| Pretax return on assets | 2.3559% | 266 |
| Return on Equity (ROE) | 11.1813% | 1,850 |
| Retained earnings to average equity (ytd only) | 8.2193% | 777 |
| Net charge-offs to loans | 0.6607% | 1,878 |
| Credit loss provision to net charge-offs | 164.0127% | 3,143 |
| Earnings coverage of net charge-offs (x) | 16.3057% | 1,853 |
| Efficiency ratio | 36.0719% | 8,190 |
| Assets per employee ($millions) | 7.3739% | 604 |
| Cash dividends to net income (ytd only)* | 26.4901% | 4,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 7,007 |
| Loan loss allowance to noncurrent loans | 155.8140% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 6,687 |
| Noncurrent loans to loans | 0.5294% | 5,769 |
| Net loans and leases to total assets | 24.2750% | 8,103 |
| Net loans and leases to deposits | 45.7983% | 7,789 |
| Net loans and leases to core deposits | 74.9965% | 6,915 |
| Total domestic deposits to total assets | 53.0041% | 8,098 |
| Equity capital to assets | 16.8112% | 796 |
| Core capital (leverage) ratio | 16.6773% | 735 |
| Tier 1 risk-based capital ratio | 33.6136% | 490 |
| Total risk-based capital ratio | 34.0193% | 507 |
| Memoranda: | ||
| Average total assets | $204,800,800 | 3,075 |
| Average earning assets | $188,916,800 | 3,058 |
| Average equity | $32,411,400 | 2,091 |
| Average total loans | $47,522,000 | 5,804 |