Home > The Citizens State Bank > Performance and Condition Ratios
The Citizens State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7083% | 2,662 |
| Cost of funding earning assets | 0.9527% | 3,403 |
| Net interest margin | 3.7556% | 1,639 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.4267% | 2,508 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.1568% | 1,762 |
| Return on assets (ROA) | 1.1692% | 1,697 |
| Pretax return on assets | 1.4989% | 1,422 |
| Return on Equity (ROE) | 14.7600% | 1,330 |
| Retained earnings to average equity (ytd only) | 5.9656% | 2,257 |
| Net charge-offs to loans | -0.0062% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.1857% | 3,168 |
| Assets per employee ($millions) | 5.6316% | 3,127 |
| Cash dividends to net income (ytd only)* | 59.5826% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,122 |
| Loan loss allowance to noncurrent loans | 369.6691% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 2,382 |
| Noncurrent loans to loans | 0.3323% | 1,991 |
| Net loans and leases to total assets | 51.2800% | 3,525 |
| Net loans and leases to deposits | 56.3684% | 3,693 |
| Net loans and leases to core deposits | 58.0193% | 3,837 |
| Total domestic deposits to total assets | 90.9700% | 509 |
| Equity capital to assets | 8.3306% | 3,170 |
| Core capital (leverage) ratio | 10.5533% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $311,491,800 | 2,363 |
| Average earning assets | $288,238,400 | 2,364 |
| Average equity | $24,674,600 | 2,539 |
| Average total loans | $161,981,600 | 2,583 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 2,574 |
| Cost of funding earning assets | 0.8968% | 3,280 |
| Net interest margin | 3.7494% | 1,688 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.2770% | 2,868 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2307% | 1,699 |
| Return on assets (ROA) | 1.2409% | 1,663 |
| Pretax return on assets | 1.6192% | 1,312 |
| Return on Equity (ROE) | 15.8700% | 1,277 |
| Retained earnings to average equity (ytd only) | 8.0739% | 1,939 |
| Net charge-offs to loans | -0.0083% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.5471% | 3,439 |
| Assets per employee ($millions) | 5.2210% | 3,414 |
| Cash dividends to net income (ytd only)* | 49.1349% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 1,994 |
| Loan loss allowance to noncurrent loans | 530.6069% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 2,709 |
| Noncurrent loans to loans | 0.2401% | 2,387 |
| Net loans and leases to total assets | 52.3600% | 3,471 |
| Net loans and leases to deposits | 57.4991% | 3,631 |
| Net loans and leases to core deposits | 59.0984% | 3,736 |
| Total domestic deposits to total assets | 91.0700% | 653 |
| Equity capital to assets | 8.1439% | 2,961 |
| Core capital (leverage) ratio | 10.3271% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $310,522,750 | 2,375 |
| Average earning assets | $288,143,000 | 2,369 |
| Average equity | $24,275,250 | 2,550 |
| Average total loans | $161,546,250 | 2,594 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 2,670 |
| Cost of funding earning assets | 0.8171% | 3,161 |
| Net interest margin | 3.6712% | 1,876 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.2196% | 3,017 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2718% | 1,640 |
| Return on assets (ROA) | 1.2839% | 1,600 |
| Pretax return on assets | 1.6682% | 1,280 |
| Return on Equity (ROE) | 16.6400% | 1,155 |
| Retained earnings to average equity (ytd only) | 10.2189% | 1,347 |
| Net charge-offs to loans | 0.0025% | 2,262 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,301.0000% | 112 |
| Efficiency ratio | 55.1673% | 3,516 |
| Assets per employee ($millions) | 5.3526% | 3,277 |
| Cash dividends to net income (ytd only)* | 38.5948% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 2,910 |
| Loan loss allowance to noncurrent loans | 415.5056% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 2,524 |
| Noncurrent loans to loans | 0.2672% | 2,202 |
| Net loans and leases to total assets | 53.9900% | 3,273 |
| Net loans and leases to deposits | 59.1807% | 3,470 |
| Net loans and leases to core deposits | 61.3628% | 3,566 |
| Total domestic deposits to total assets | 91.2200% | 577 |
| Equity capital to assets | 8.0283% | 3,195 |
| Core capital (leverage) ratio | 9.7795% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7848% | 993 |
| Memoranda: | ||
| Average total assets | $314,831,333 | 2,355 |
| Average earning assets | $292,494,000 | 2,360 |
| Average equity | $24,288,333 | 2,551 |
| Average total loans | $162,781,333 | 2,575 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1991% | 3,046 |
| Cost of funding earning assets | 0.7501% | 2,892 |
| Net interest margin | 3.4490% | 2,501 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.1520% | 3,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1725% | 2,015 |
| Return on assets (ROA) | 1.1824% | 1,943 |
| Pretax return on assets | 1.5327% | 1,597 |
| Return on Equity (ROE) | 15.6300% | 1,432 |
| Retained earnings to average equity (ytd only) | 9.4271% | 1,831 |
| Net charge-offs to loans | 0.0050% | 1,788 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 607.5000% | 187 |
| Efficiency ratio | 56.3884% | 3,367 |
| Assets per employee ($millions) | 5.6389% | 3,082 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 2,858 |
| Loan loss allowance to noncurrent loans | 408.1678% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 2,506 |
| Noncurrent loans to loans | 0.2792% | 2,142 |
| Net loans and leases to total assets | 50.8000% | 3,433 |
| Net loans and leases to deposits | 55.6473% | 3,584 |
| Net loans and leases to core deposits | 57.6869% | 3,648 |
| Total domestic deposits to total assets | 91.3000% | 701 |
| Equity capital to assets | 7.9270% | 3,294 |
| Core capital (leverage) ratio | 9.0903% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8159% | 1,020 |
| Memoranda: | ||
| Average total assets | $319,698,500 | 2,362 |
| Average earning assets | $297,014,500 | 2,363 |
| Average equity | $24,185,500 | 2,591 |
| Average total loans | $160,891,000 | 2,612 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5499% | 2,943 |
| Cost of funding earning assets | 0.3013% | 2,864 |
| Net interest margin | 3.2487% | 2,706 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.2826% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9466% | 2,783 |
| Return on assets (ROA) | 0.9451% | 2,733 |
| Pretax return on assets | 1.1901% | 2,471 |
| Return on Equity (ROE) | 12.0900% | 2,108 |
| Retained earnings to average equity (ytd only) | 6.6406% | 2,391 |
| Net charge-offs to loans | -0.0027% | 3,504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.3351% | 2,586 |
| Assets per employee ($millions) | 5.6775% | 3,055 |
| Cash dividends to net income (ytd only)* | 45.0844% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 2,712 |
| Loan loss allowance to noncurrent loans | 413.9269% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 2,577 |
| Noncurrent loans to loans | 0.2746% | 2,174 |
| Net loans and leases to total assets | 48.7300% | 3,608 |
| Net loans and leases to deposits | 52.8895% | 3,739 |
| Net loans and leases to core deposits | 54.4694% | 3,788 |
| Total domestic deposits to total assets | 92.1300% | 606 |
| Equity capital to assets | 7.2119% | 3,545 |
| Core capital (leverage) ratio | 8.8545% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5853% | 1,041 |
| Memoranda: | ||
| Average total assets | $319,633,000 | 2,353 |
| Average earning assets | $298,090,200 | 2,348 |
| Average equity | $24,982,600 | 2,582 |
| Average total loans | $150,575,000 | 2,630 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4615% | 2,745 |
| Cost of funding earning assets | 0.2322% | 2,905 |
| Net interest margin | 3.2293% | 2,533 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.1344% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0133% | 2,433 |
| Return on assets (ROA) | 1.0116% | 2,406 |
| Pretax return on assets | 1.3110% | 2,010 |
| Return on Equity (ROE) | 12.9800% | 1,703 |
| Retained earnings to average equity (ytd only) | 7.6725% | 2,123 |
| Net charge-offs to loans | -0.0009% | 3,165 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.5282% | 3,176 |
| Assets per employee ($millions) | 5.3175% | 3,399 |
| Cash dividends to net income (ytd only)* | 40.9034% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 2,354 |
| Loan loss allowance to noncurrent loans | 435.9036% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 2,667 |
| Noncurrent loans to loans | 0.2831% | 2,238 |
| Net loans and leases to total assets | 46.9500% | 3,707 |
| Net loans and leases to deposits | 50.9653% | 3,789 |
| Net loans and leases to core deposits | 52.0081% | 3,855 |
| Total domestic deposits to total assets | 92.1200% | 844 |
| Equity capital to assets | 7.2027% | 3,404 |
| Core capital (leverage) ratio | 8.5290% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3291% | 943 |
| Memoranda: | ||
| Average total assets | $318,024,250 | 2,382 |
| Average earning assets | $297,972,750 | 2,368 |
| Average equity | $24,780,500 | 2,633 |
| Average total loans | $148,342,750 | 2,656 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4164% | 2,382 |
| Cost of funding earning assets | 0.1768% | 3,218 |
| Net interest margin | 3.2395% | 2,078 |
| Noninterest income to average assets | 0.4072% | 2,707 |
| Noninterest expense to average assets | 2.1219% | 3,089 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0272% | 2,059 |
| Return on assets (ROA) | 1.0198% | 2,058 |
| Pretax return on assets | 1.3212% | 1,680 |
| Return on Equity (ROE) | 12.7789% | 1,442 |
| Retained earnings to average equity (ytd only) | 8.0044% | 1,616 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0983% | 3,428 |
| Assets per employee ($millions) | 5.5604% | 3,163 |
| Cash dividends to net income (ytd only)* | 37.3626% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,743 |
| Loan loss allowance to noncurrent loans | 490.2439% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 2,890 |
| Noncurrent loans to loans | 0.2427% | 2,513 |
| Net loans and leases to total assets | 47.4066% | 3,599 |
| Net loans and leases to deposits | 51.6119% | 3,719 |
| Net loans and leases to core deposits | 52.6411% | 3,777 |
| Total domestic deposits to total assets | 91.8521% | 906 |
| Equity capital to assets | 7.5027% | 3,478 |
| Core capital (leverage) ratio | 8.3014% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,228,000 | 2,381 |
| Average earning assets | $301,957,667 | 2,368 |
| Average equity | $25,636,000 | 2,644 |
| Average total loans | $148,924,000 | 2,655 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2842% | 2,436 |
| Cost of funding earning assets | 0.1632% | 3,326 |
| Net interest margin | 3.1210% | 2,106 |
| Noninterest income to average assets | 0.4033% | 2,669 |
| Noninterest expense to average assets | 2.1437% | 3,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9238% | 2,182 |
| Return on assets (ROA) | 0.9277% | 2,158 |
| Pretax return on assets | 1.1986% | 1,822 |
| Return on Equity (ROE) | 11.2933% | 1,519 |
| Retained earnings to average equity (ytd only) | 7.2126% | 1,826 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8236% | 3,285 |
| Assets per employee ($millions) | 5.7406% | 3,070 |
| Cash dividends to net income (ytd only)* | 36.1333% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 2,780 |
| Loan loss allowance to noncurrent loans | 434.8558% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 2,911 |
| Noncurrent loans to loans | 0.2794% | 2,470 |
| Net loans and leases to total assets | 44.9572% | 3,662 |
| Net loans and leases to deposits | 49.3527% | 3,785 |
| Net loans and leases to core deposits | 50.3679% | 3,853 |
| Total domestic deposits to total assets | 91.0937% | 988 |
| Equity capital to assets | 7.7921% | 3,736 |
| Core capital (leverage) ratio | 8.2212% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,371,500 | 2,377 |
| Average earning assets | $304,003,500 | 2,371 |
| Average equity | $26,564,500 | 2,681 |
| Average total loans | $147,356,000 | 2,664 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3486% | 3,055 |
| Cost of funding earning assets | 0.1641% | 3,833 |
| Net interest margin | 3.1845% | 2,643 |
| Noninterest income to average assets | 0.4374% | 2,870 |
| Noninterest expense to average assets | 2.4428% | 2,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7562% | 3,467 |
| Return on assets (ROA) | 0.7860% | 3,445 |
| Pretax return on assets | 1.0118% | 3,232 |
| Return on Equity (ROE) | 8.8442% | 2,969 |
| Retained earnings to average equity (ytd only) | 5.5218% | 2,553 |
| Net charge-offs to loans | -0.0008% | 3,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0081% | 1,617 |
| Assets per employee ($millions) | 5.3255% | 3,449 |
| Cash dividends to net income (ytd only)* | 37.5661% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,669 |
| Loan loss allowance to noncurrent loans | 433.8129% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 3,025 |
| Noncurrent loans to loans | 0.2860% | 2,571 |
| Net loans and leases to total assets | 45.0625% | 3,761 |
| Net loans and leases to deposits | 49.9606% | 3,886 |
| Net loans and leases to core deposits | 51.0236% | 3,964 |
| Total domestic deposits to total assets | 90.1961% | 870 |
| Equity capital to assets | 8.6478% | 3,938 |
| Core capital (leverage) ratio | 9.0779% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,488,600 | 2,637 |
| Average earning assets | $247,445,800 | 2,633 |
| Average equity | $23,507,000 | 2,940 |
| Average total loans | $130,138,200 | 2,852 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3466% | 3,260 |
| Cost of funding earning assets | 0.1676% | 3,946 |
| Net interest margin | 3.1789% | 2,796 |
| Noninterest income to average assets | 0.4313% | 2,926 |
| Noninterest expense to average assets | 2.3451% | 2,608 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8317% | 3,441 |
| Return on assets (ROA) | 0.8317% | 3,502 |
| Pretax return on assets | 1.0609% | 3,295 |
| Return on Equity (ROE) | 9.2779% | 3,010 |
| Retained earnings to average equity (ytd only) | 6.6084% | 2,577 |
| Net charge-offs to loans | -0.0011% | 3,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8525% | 1,719 |
| Assets per employee ($millions) | 5.1073% | 3,597 |
| Cash dividends to net income (ytd only)* | 28.7724% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 1,811 |
| Loan loss allowance to noncurrent loans | 234.3264% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 2,260 |
| Noncurrent loans to loans | 0.6193% | 1,762 |
| Net loans and leases to total assets | 48.1090% | 3,621 |
| Net loans and leases to deposits | 53.2465% | 3,797 |
| Net loans and leases to core deposits | 54.0272% | 3,919 |
| Total domestic deposits to total assets | 90.3515% | 618 |
| Equity capital to assets | 8.9953% | 3,839 |
| Core capital (leverage) ratio | 8.6779% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,729,000 | 2,738 |
| Average earning assets | $234,621,750 | 2,739 |
| Average equity | $22,475,750 | 3,057 |
| Average total loans | $126,223,750 | 2,932 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2346% | 3,601 |
| Cost of funding earning assets | 0.1727% | 4,016 |
| Net interest margin | 3.0619% | 3,139 |
| Noninterest income to average assets | 0.4246% | 2,980 |
| Noninterest expense to average assets | 2.2883% | 2,804 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7769% | 3,574 |
| Return on assets (ROA) | 0.7769% | 3,638 |
| Pretax return on assets | 0.9969% | 3,454 |
| Return on Equity (ROE) | 8.6775% | 3,199 |
| Retained earnings to average equity (ytd only) | 5.9882% | 2,807 |
| Net charge-offs to loans | -0.0016% | 3,147 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6555% | 1,689 |
| Assets per employee ($millions) | 4.7386% | 3,896 |
| Cash dividends to net income (ytd only)* | 30.9917% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,984 |
| Loan loss allowance to noncurrent loans | 387.3662% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 3,051 |
| Noncurrent loans to loans | 0.3608% | 2,607 |
| Net loans and leases to total assets | 49.8708% | 3,569 |
| Net loans and leases to deposits | 55.1633% | 3,776 |
| Net loans and leases to core deposits | 55.7979% | 3,905 |
| Total domestic deposits to total assets | 90.4058% | 599 |
| Equity capital to assets | 8.8141% | 3,960 |
| Core capital (leverage) ratio | 8.5686% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,183,333 | 2,745 |
| Average earning assets | $232,793,333 | 2,741 |
| Average equity | $22,310,667 | 3,065 |
| Average total loans | $126,744,000 | 2,937 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3828% | 3,252 |
| Cost of funding earning assets | 0.1836% | 4,054 |
| Net interest margin | 3.1993% | 2,699 |
| Noninterest income to average assets | 0.4165% | 3,006 |
| Noninterest expense to average assets | 2.2633% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8786% | 3,186 |
| Return on assets (ROA) | 0.8786% | 3,267 |
| Pretax return on assets | 1.1309% | 3,039 |
| Return on Equity (ROE) | 9.7346% | 2,777 |
| Retained earnings to average equity (ytd only) | 7.0305% | 2,569 |
| Net charge-offs to loans | -0.0032% | 3,239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6826% | 2,130 |
| Assets per employee ($millions) | 4.8722% | 3,783 |
| Cash dividends to net income (ytd only)* | 27.7778% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 1,796 |
| Loan loss allowance to noncurrent loans | 196.5217% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 2,318 |
| Noncurrent loans to loans | 0.7344% | 1,767 |
| Net loans and leases to total assets | 49.6865% | 3,657 |
| Net loans and leases to deposits | 55.0298% | 3,865 |
| Net loans and leases to core deposits | 55.6807% | 3,994 |
| Total domestic deposits to total assets | 90.2902% | 673 |
| Equity capital to assets | 8.9854% | 3,700 |
| Core capital (leverage) ratio | 8.7477% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,832,500 | 2,752 |
| Average earning assets | $228,802,500 | 2,756 |
| Average equity | $22,189,000 | 3,065 |
| Average total loans | $125,405,500 | 2,959 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9501% | 2,881 |
| Cost of funding earning assets | 0.3391% | 3,932 |
| Net interest margin | 3.6110% | 2,106 |
| Noninterest income to average assets | 0.5090% | 2,589 |
| Noninterest expense to average assets | 2.6352% | 2,437 |
| Loan and lease loss provision to assets | 0.1844% | 2,109 |
| Net operating income to assets | 0.8057% | 3,072 |
| Return on assets (ROA) | 0.8057% | 3,188 |
| Pretax return on assets | 1.0358% | 2,927 |
| Return on Equity (ROE) | 8.4559% | 2,625 |
| Retained earnings to average equity (ytd only) | 5.9191% | 1,833 |
| Net charge-offs to loans | -0.0186% | 4,404 |
| Credit loss provision to net charge-offs | -1,716.6667% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3502% | 2,192 |
| Assets per employee ($millions) | 4.4215% | 3,996 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 1,814 |
| Loan loss allowance to noncurrent loans | 211.9578% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 2,583 |
| Noncurrent loans to loans | 0.6795% | 1,987 |
| Net loans and leases to total assets | 50.8806% | 3,756 |
| Net loans and leases to deposits | 56.1930% | 3,982 |
| Net loans and leases to core deposits | 56.8694% | 4,110 |
| Total domestic deposits to total assets | 90.5462% | 356 |
| Equity capital to assets | 9.0677% | 3,999 |
| Core capital (leverage) ratio | 8.9079% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,398,800 | 2,769 |
| Average earning assets | $207,034,400 | 2,768 |
| Average equity | $21,287,000 | 3,072 |
| Average total loans | $129,068,600 | 2,877 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 2,843 |
| Cost of funding earning assets | 0.3759% | 3,931 |
| Net interest margin | 3.6687% | 2,038 |
| Noninterest income to average assets | 0.5353% | 2,446 |
| Noninterest expense to average assets | 2.5524% | 2,683 |
| Loan and lease loss provision to assets | 0.2513% | 1,613 |
| Net operating income to assets | 0.8795% | 2,775 |
| Return on assets (ROA) | 0.8795% | 2,906 |
| Pretax return on assets | 1.1328% | 2,628 |
| Return on Equity (ROE) | 9.1073% | 2,351 |
| Retained earnings to average equity (ytd only) | 6.6425% | 1,835 |
| Net charge-offs to loans | -0.0226% | 4,454 |
| Credit loss provision to net charge-offs | -1,872.7273% | 4,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8372% | 2,622 |
| Assets per employee ($millions) | 4.5223% | 3,823 |
| Cash dividends to net income (ytd only)* | 27.0645% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 1,780 |
| Loan loss allowance to noncurrent loans | 239.8406% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 2,865 |
| Noncurrent loans to loans | 0.5794% | 2,345 |
| Net loans and leases to total assets | 54.4971% | 3,756 |
| Net loans and leases to deposits | 61.2600% | 3,973 |
| Net loans and leases to core deposits | 62.4987% | 4,078 |
| Total domestic deposits to total assets | 88.9603% | 788 |
| Equity capital to assets | 9.2826% | 3,868 |
| Core capital (leverage) ratio | 8.7948% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,452,750 | 2,790 |
| Average earning assets | $202,537,250 | 2,788 |
| Average equity | $21,096,000 | 3,085 |
| Average total loans | $129,950,500 | 2,870 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 2,620 |
| Cost of funding earning assets | 0.4209% | 3,944 |
| Net interest margin | 3.8240% | 1,762 |
| Noninterest income to average assets | 0.4688% | 2,717 |
| Noninterest expense to average assets | 2.5902% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0926% | 1,993 |
| Return on assets (ROA) | 1.0926% | 2,114 |
| Pretax return on assets | 1.4120% | 1,697 |
| Return on Equity (ROE) | 11.1550% | 1,585 |
| Retained earnings to average equity (ytd only) | 8.8530% | 1,047 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7183% | 2,712 |
| Assets per employee ($millions) | 4.2094% | 4,099 |
| Cash dividends to net income (ytd only)* | 20.6363% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,567 |
| Loan loss allowance to noncurrent loans | 177.2610% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 2,940 |
| Noncurrent loans to loans | 0.5654% | 2,467 |
| Net loans and leases to total assets | 59.6222% | 3,368 |
| Net loans and leases to deposits | 67.4084% | 3,610 |
| Net loans and leases to core deposits | 68.7384% | 3,811 |
| Total domestic deposits to total assets | 88.4492% | 968 |
| Equity capital to assets | 9.5474% | 3,617 |
| Core capital (leverage) ratio | 9.1984% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,883,333 | 2,811 |
| Average earning assets | $196,705,667 | 2,813 |
| Average equity | $20,851,667 | 3,092 |
| Average total loans | $129,946,667 | 2,864 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 2,113 |
| Cost of funding earning assets | 0.5047% | 3,922 |
| Net interest margin | 4.0608% | 1,223 |
| Noninterest income to average assets | 0.5348% | 2,365 |
| Noninterest expense to average assets | 2.6722% | 2,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2253% | 1,442 |
| Return on assets (ROA) | 1.2253% | 1,550 |
| Pretax return on assets | 1.5870% | 1,091 |
| Return on Equity (ROE) | 12.3369% | 1,025 |
| Retained earnings to average equity (ytd only) | 11.4557% | 492 |
| Net charge-offs to loans | 0.0063% | 2,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 408.0000% | 168 |
| Efficiency ratio | 62.7397% | 3,409 |
| Assets per employee ($millions) | 3.8495% | 4,121 |
| Cash dividends to net income (ytd only)* | 7.1429% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 3,230 |
| Loan loss allowance to noncurrent loans | 244.6429% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 3,357 |
| Noncurrent loans to loans | 0.4479% | 2,910 |
| Net loans and leases to total assets | 60.6086% | 3,435 |
| Net loans and leases to deposits | 67.8147% | 3,739 |
| Net loans and leases to core deposits | 69.2848% | 3,924 |
| Total domestic deposits to total assets | 89.3738% | 522 |
| Equity capital to assets | 10.1557% | 3,645 |
| Core capital (leverage) ratio | 9.9024% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,671,000 | 2,825 |
| Average earning assets | $188,631,500 | 2,841 |
| Average equity | $20,426,500 | 3,128 |
| Average total loans | $126,471,000 | 2,881 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8248% | 1,968 |
| Cost of funding earning assets | 0.5470% | 3,892 |
| Net interest margin | 4.2778% | 1,145 |
| Noninterest income to average assets | 0.3697% | 3,491 |
| Noninterest expense to average assets | 2.6435% | 3,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2717% | 1,796 |
| Return on assets (ROA) | 1.2717% | 1,878 |
| Pretax return on assets | 1.6507% | 1,337 |
| Return on Equity (ROE) | 13.7264% | 955 |
| Retained earnings to average equity (ytd only) | 12.7724% | 178 |
| Net charge-offs to loans | -0.0046% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5596% | 3,444 |
| Assets per employee ($millions) | 3.8392% | 4,112 |
| Cash dividends to net income (ytd only)* | 6.9498% | 3,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,091 |
| Loan loss allowance to noncurrent loans | 262.3327% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 3,425 |
| Noncurrent loans to loans | 0.4089% | 2,973 |
| Net loans and leases to total assets | 61.0386% | 3,497 |
| Net loans and leases to deposits | 67.8797% | 3,826 |
| Net loans and leases to core deposits | 69.8043% | 3,967 |
| Total domestic deposits to total assets | 89.9218% | 347 |
| Equity capital to assets | 9.7112% | 4,177 |
| Core capital (leverage) ratio | 9.7581% | 3,780 |
| Tier 1 risk-based capital ratio | 15.5064% | 2,578 |
| Total risk-based capital ratio | 16.5729% | 2,580 |
| Memoranda: | ||
| Average total assets | $203,667,800 | 2,813 |
| Average earning assets | $186,847,200 | 2,823 |
| Average equity | $18,868,800 | 3,238 |
| Average total loans | $130,881,400 | 2,813 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8599% | 1,941 |
| Cost of funding earning assets | 0.5543% | 3,903 |
| Net interest margin | 4.3056% | 1,155 |
| Noninterest income to average assets | 0.3722% | 3,487 |
| Noninterest expense to average assets | 2.4627% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4414% | 1,350 |
| Return on assets (ROA) | 1.4414% | 1,406 |
| Pretax return on assets | 1.8735% | 927 |
| Return on Equity (ROE) | 15.7529% | 646 |
| Retained earnings to average equity (ytd only) | 15.1061% | 141 |
| Net charge-offs to loans | -0.0051% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7941% | 4,086 |
| Assets per employee ($millions) | 3.8837% | 4,052 |
| Cash dividends to net income (ytd only)* | 4.1059% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 3,121 |
| Loan loss allowance to noncurrent loans | 187.2951% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 3,054 |
| Noncurrent loans to loans | 0.5779% | 2,563 |
| Net loans and leases to total assets | 62.0444% | 3,492 |
| Net loans and leases to deposits | 69.1207% | 3,831 |
| Net loans and leases to core deposits | 71.2381% | 3,994 |
| Total domestic deposits to total assets | 89.7624% | 351 |
| Equity capital to assets | 9.8043% | 4,210 |
| Core capital (leverage) ratio | 9.6787% | 3,996 |
| Tier 1 risk-based capital ratio | 15.3033% | 2,711 |
| Total risk-based capital ratio | 16.3724% | 2,726 |
| Memoranda: | ||
| Average total assets | $202,755,250 | 2,840 |
| Average earning assets | $186,666,500 | 2,851 |
| Average equity | $18,552,750 | 3,296 |
| Average total loans | $131,622,750 | 2,837 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8392% | 1,936 |
| Cost of funding earning assets | 0.5448% | 3,908 |
| Net interest margin | 4.2944% | 1,155 |
| Noninterest income to average assets | 0.3054% | 3,884 |
| Noninterest expense to average assets | 2.5081% | 3,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3466% | 1,591 |
| Return on assets (ROA) | 1.3466% | 1,655 |
| Pretax return on assets | 1.7496% | 1,171 |
| Return on Equity (ROE) | 15.0742% | 743 |
| Retained earnings to average equity (ytd only) | 14.0817% | 224 |
| Net charge-offs to loans | -0.0045% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9079% | 3,879 |
| Assets per employee ($millions) | 3.7714% | 4,160 |
| Cash dividends to net income (ytd only)* | 6.5838% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 3,534 |
| Loan loss allowance to noncurrent loans | 288.8186% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 3,639 |
| Noncurrent loans to loans | 0.3512% | 3,296 |
| Net loans and leases to total assets | 65.5956% | 3,156 |
| Net loans and leases to deposits | 72.6870% | 3,623 |
| Net loans and leases to core deposits | 74.8802% | 3,826 |
| Total domestic deposits to total assets | 90.2439% | 261 |
| Equity capital to assets | 9.3461% | 4,539 |
| Core capital (leverage) ratio | 9.2052% | 4,451 |
| Tier 1 risk-based capital ratio | 13.9860% | 3,323 |
| Total risk-based capital ratio | 15.0045% | 3,344 |
| Memoranda: | ||
| Average total assets | $203,023,000 | 2,847 |
| Average earning assets | $186,847,330 | 2,860 |
| Average equity | $18,137,000 | 3,334 |
| Average total loans | $133,273,330 | 2,832 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 1,956 |
| Cost of funding earning assets | 0.5300% | 3,918 |
| Net interest margin | 4.2526% | 1,188 |
| Noninterest income to average assets | 0.3295% | 3,654 |
| Noninterest expense to average assets | 2.5752% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2748% | 1,797 |
| Return on assets (ROA) | 1.2748% | 1,843 |
| Pretax return on assets | 1.6497% | 1,347 |
| Return on Equity (ROE) | 14.6084% | 837 |
| Retained earnings to average equity (ytd only) | 13.5908% | 392 |
| Net charge-offs to loans | -0.0030% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9528% | 3,685 |
| Assets per employee ($millions) | 3.9339% | 4,023 |
| Cash dividends to net income (ytd only)* | 6.9659% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 3,546 |
| Loan loss allowance to noncurrent loans | 291.4712% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 3,702 |
| Noncurrent loans to loans | 0.3520% | 3,321 |
| Net loans and leases to total assets | 64.4597% | 3,231 |
| Net loans and leases to deposits | 71.0598% | 3,683 |
| Net loans and leases to core deposits | 73.1836% | 3,850 |
| Total domestic deposits to total assets | 90.7119% | 225 |
| Equity capital to assets | 8.8545% | 4,777 |
| Core capital (leverage) ratio | 8.6319% | 4,929 |
| Tier 1 risk-based capital ratio | 13.6359% | 3,531 |
| Total risk-based capital ratio | 14.6644% | 3,561 |
| Memoranda: | ||
| Average total assets | $202,706,000 | 2,872 |
| Average earning assets | $185,676,500 | 2,897 |
| Average equity | $17,688,500 | 3,383 |
| Average total loans | $132,430,500 | 2,878 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6475% | 1,994 |
| Cost of funding earning assets | 0.4290% | 3,806 |
| Net interest margin | 4.2185% | 1,354 |
| Noninterest income to average assets | 0.3838% | 3,535 |
| Noninterest expense to average assets | 2.7350% | 2,915 |
| Loan and lease loss provision to assets | 0.1290% | 1,707 |
| Net operating income to assets | 1.0884% | 2,652 |
| Return on assets (ROA) | 1.0884% | 2,647 |
| Pretax return on assets | 1.4000% | 2,140 |
| Return on Equity (ROE) | 12.8893% | 1,383 |
| Retained earnings to average equity (ytd only) | 11.6187% | 358 |
| Net charge-offs to loans | 0.0060% | 3,490 |
| Credit loss provision to net charge-offs | 3,125.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 370.5000% | 278 |
| Efficiency ratio | 64.1423% | 3,169 |
| Assets per employee ($millions) | 3.7194% | 4,292 |
| Cash dividends to net income (ytd only)* | 9.8578% | 3,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,455 |
| Loan loss allowance to noncurrent loans | 288.1857% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 3,655 |
| Noncurrent loans to loans | 0.3601% | 3,248 |
| Net loans and leases to total assets | 64.8584% | 3,269 |
| Net loans and leases to deposits | 71.2232% | 3,729 |
| Net loans and leases to core deposits | 73.3879% | 3,895 |
| Total domestic deposits to total assets | 91.0635% | 188 |
| Equity capital to assets | 8.5955% | 4,872 |
| Core capital (leverage) ratio | 9.0070% | 4,646 |
| Tier 1 risk-based capital ratio | 13.3825% | 3,617 |
| Total risk-based capital ratio | 14.4258% | 3,627 |
| Memoranda: | ||
| Average total assets | $193,860,800 | 2,925 |
| Average earning assets | $178,309,400 | 2,939 |
| Average equity | $16,370,200 | 3,478 |
| Average total loans | $133,446,600 | 2,840 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 1,902 |
| Cost of funding earning assets | 0.4177% | 3,739 |
| Net interest margin | 4.2114% | 1,324 |
| Noninterest income to average assets | 0.3574% | 3,741 |
| Noninterest expense to average assets | 2.5713% | 3,375 |
| Loan and lease loss provision to assets | 0.1041% | 1,929 |
| Net operating income to assets | 1.2145% | 2,179 |
| Return on assets (ROA) | 1.2145% | 2,182 |
| Pretax return on assets | 1.5650% | 1,689 |
| Return on Equity (ROE) | 14.4505% | 997 |
| Retained earnings to average equity (ytd only) | 13.1623% | 340 |
| Net charge-offs to loans | 0.0090% | 3,101 |
| Credit loss provision to net charge-offs | 1,666.6667% | 250 |
| Earnings coverage of net charge-offs (x) | 267.2158% | 349 |
| Efficiency ratio | 60.6383% | 3,716 |
| Assets per employee ($millions) | 3.6518% | 4,369 |
| Cash dividends to net income (ytd only)* | 8.9141% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 3,936 |
| Loan loss allowance to noncurrent loans | 281.1111% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 3,774 |
| Noncurrent loans to loans | 0.3455% | 3,419 |
| Net loans and leases to total assets | 67.9188% | 2,955 |
| Net loans and leases to deposits | 74.8325% | 3,517 |
| Net loans and leases to core deposits | 77.1300% | 3,728 |
| Total domestic deposits to total assets | 90.7611% | 278 |
| Equity capital to assets | 8.8581% | 4,671 |
| Core capital (leverage) ratio | 8.8139% | 4,876 |
| Tier 1 risk-based capital ratio | 13.4722% | 3,640 |
| Total risk-based capital ratio | 14.4632% | 3,694 |
| Memoranda: | ||
| Average total assets | $192,113,500 | 2,970 |
| Average earning assets | $177,135,250 | 2,976 |
| Average equity | $16,146,750 | 3,528 |
| Average total loans | $133,899,750 | 2,856 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5333% | 1,988 |
| Cost of funding earning assets | 0.3910% | 3,801 |
| Net interest margin | 4.1423% | 1,437 |
| Noninterest income to average assets | 0.3682% | 3,696 |
| Noninterest expense to average assets | 2.5460% | 3,495 |
| Loan and lease loss provision to assets | 0.1037% | 1,875 |
| Net operating income to assets | 1.1968% | 2,212 |
| Return on assets (ROA) | 1.1968% | 2,210 |
| Pretax return on assets | 1.5421% | 1,677 |
| Return on Equity (ROE) | 14.4957% | 959 |
| Retained earnings to average equity (ytd only) | 13.1893% | 354 |
| Net charge-offs to loans | 0.0192% | 2,504 |
| Credit loss provision to net charge-offs | 769.2308% | 514 |
| Earnings coverage of net charge-offs (x) | 122.0769% | 607 |
| Efficiency ratio | 60.7373% | 3,806 |
| Assets per employee ($millions) | 3.5247% | 4,558 |
| Cash dividends to net income (ytd only)* | 9.0121% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 4,409 |
| Loan loss allowance to noncurrent loans | 267.9204% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 3,650 |
| Noncurrent loans to loans | 0.3296% | 3,520 |
| Net loans and leases to total assets | 68.8614% | 2,746 |
| Net loans and leases to deposits | 75.3658% | 3,405 |
| Net loans and leases to core deposits | 77.5662% | 3,613 |
| Total domestic deposits to total assets | 91.3695% | 177 |
| Equity capital to assets | 8.2819% | 5,089 |
| Core capital (leverage) ratio | 8.5008% | 5,111 |
| Tier 1 risk-based capital ratio | 12.4272% | 4,230 |
| Total risk-based capital ratio | 13.3309% | 4,324 |
| Memoranda: | ||
| Average total assets | $192,853,670 | 2,977 |
| Average earning assets | $178,016,000 | 2,982 |
| Average equity | $15,922,000 | 3,572 |
| Average total loans | $135,120,330 | 2,854 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4584% | 1,998 |
| Cost of funding earning assets | 0.3647% | 3,877 |
| Net interest margin | 4.0937% | 1,453 |
| Noninterest income to average assets | 0.3631% | 3,714 |
| Noninterest expense to average assets | 2.6381% | 3,223 |
| Loan and lease loss provision to assets | 0.1049% | 1,770 |
| Net operating income to assets | 1.0830% | 2,508 |
| Return on assets (ROA) | 1.0830% | 2,525 |
| Pretax return on assets | 1.3894% | 2,047 |
| Return on Equity (ROE) | 13.1385% | 1,223 |
| Retained earnings to average equity (ytd only) | 11.8145% | 715 |
| Net charge-offs to loans | -0.0030% | 3,871 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8395% | 3,503 |
| Assets per employee ($millions) | 3.7602% | 4,340 |
| Cash dividends to net income (ytd only)* | 10.0775% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 4,596 |
| Loan loss allowance to noncurrent loans | 188.0000% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 3,079 |
| Noncurrent loans to loans | 0.4579% | 3,160 |
| Net loans and leases to total assets | 70.5673% | 2,385 |
| Net loans and leases to deposits | 77.2763% | 3,084 |
| Net loans and leases to core deposits | 79.6730% | 3,348 |
| Total domestic deposits to total assets | 91.3182% | 223 |
| Equity capital to assets | 8.2557% | 5,137 |
| Core capital (leverage) ratio | 8.4545% | 5,171 |
| Tier 1 risk-based capital ratio | 12.1186% | 4,486 |
| Total risk-based capital ratio | 13.0048% | 4,588 |
| Memoranda: | ||
| Average total assets | $190,589,500 | 3,026 |
| Average earning assets | $175,490,000 | 3,036 |
| Average equity | $15,709,500 | 3,621 |
| Average total loans | $134,115,000 | 2,885 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 2,070 |
| Cost of funding earning assets | 0.2817% | 4,303 |
| Net interest margin | 4.1029% | 1,420 |
| Noninterest income to average assets | 0.3798% | 3,764 |
| Noninterest expense to average assets | 2.8583% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7217% | 3,513 |
| Return on assets (ROA) | 0.7217% | 3,552 |
| Pretax return on assets | 1.3046% | 2,326 |
| Return on Equity (ROE) | 8.8686% | 2,372 |
| Retained earnings to average equity (ytd only) | 7.5052% | 918 |
| Net charge-offs to loans | -0.0084% | 4,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6746% | 2,964 |
| Assets per employee ($millions) | 3.6425% | 4,517 |
| Cash dividends to net income (ytd only)* | 15.3732% | 3,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 4,653 |
| Loan loss allowance to noncurrent loans | 178.1300% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 2,960 |
| Noncurrent loans to loans | 0.4790% | 3,076 |
| Net loans and leases to total assets | 68.9534% | 2,695 |
| Net loans and leases to deposits | 75.4126% | 3,391 |
| Net loans and leases to core deposits | 77.7766% | 3,604 |
| Total domestic deposits to total assets | 91.4349% | 147 |
| Equity capital to assets | 8.2319% | 5,286 |
| Core capital (leverage) ratio | 8.4040% | 5,221 |
| Tier 1 risk-based capital ratio | 11.9245% | 4,583 |
| Total risk-based capital ratio | 12.7837% | 4,729 |
| Memoranda: | ||
| Average total assets | $187,485,800 | 3,047 |
| Average earning assets | $172,879,800 | 3,038 |
| Average equity | $15,256,000 | 3,690 |
| Average total loans | $130,902,600 | 2,903 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 2,030 |
| Cost of funding earning assets | 0.2750% | 4,358 |
| Net interest margin | 4.1013% | 1,385 |
| Noninterest income to average assets | 0.3551% | 3,996 |
| Noninterest expense to average assets | 2.7642% | 2,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9019% | 3,017 |
| Return on assets (ROA) | 0.9019% | 3,075 |
| Pretax return on assets | 1.3760% | 2,195 |
| Return on Equity (ROE) | 11.1167% | 1,654 |
| Retained earnings to average equity (ytd only) | 9.7458% | 640 |
| Net charge-offs to loans | -0.0112% | 4,663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4383% | 3,301 |
| Assets per employee ($millions) | 3.6099% | 4,577 |
| Cash dividends to net income (ytd only)* | 12.3318% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 4,658 |
| Loan loss allowance to noncurrent loans | 173.9938% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.5030% | 3,059 |
| Noncurrent loans to loans | 0.5044% | 3,188 |
| Net loans and leases to total assets | 68.9525% | 2,703 |
| Net loans and leases to deposits | 75.6941% | 3,402 |
| Net loans and leases to core deposits | 78.0724% | 3,627 |
| Total domestic deposits to total assets | 91.0937% | 164 |
| Equity capital to assets | 8.5538% | 5,254 |
| Core capital (leverage) ratio | 8.2158% | 5,412 |
| Tier 1 risk-based capital ratio | 12.3428% | 4,411 |
| Total risk-based capital ratio | 13.2426% | 4,509 |
| Memoranda: | ||
| Average total assets | $187,005,000 | 3,077 |
| Average earning assets | $172,590,250 | 3,068 |
| Average equity | $15,172,000 | 3,732 |
| Average total loans | $130,696,250 | 2,934 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 2,042 |
| Cost of funding earning assets | 0.2620% | 4,444 |
| Net interest margin | 4.0656% | 1,415 |
| Noninterest income to average assets | 0.3490% | 4,057 |
| Noninterest expense to average assets | 2.7196% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9055% | 2,886 |
| Return on assets (ROA) | 0.9055% | 2,934 |
| Pretax return on assets | 1.3779% | 2,110 |
| Return on Equity (ROE) | 11.3618% | 1,510 |
| Retained earnings to average equity (ytd only) | 9.9733% | 590 |
| Net charge-offs to loans | -0.0228% | 4,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7364% | 3,550 |
| Assets per employee ($millions) | 3.6064% | 4,567 |
| Cash dividends to net income (ytd only)* | 12.2209% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 4,847 |
| Loan loss allowance to noncurrent loans | 269.2124% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 3,392 |
| Noncurrent loans to loans | 0.3115% | 3,926 |
| Net loans and leases to total assets | 71.1148% | 2,352 |
| Net loans and leases to deposits | 77.7559% | 3,143 |
| Net loans and leases to core deposits | 80.1417% | 3,412 |
| Total domestic deposits to total assets | 91.4591% | 138 |
| Equity capital to assets | 8.2135% | 5,440 |
| Core capital (leverage) ratio | 8.0301% | 5,511 |
| Tier 1 risk-based capital ratio | 11.4932% | 4,961 |
| Total risk-based capital ratio | 12.3549% | 5,090 |
| Memoranda: | ||
| Average total assets | $187,971,670 | 3,080 |
| Average earning assets | $173,309,000 | 3,068 |
| Average equity | $14,980,000 | 3,764 |
| Average total loans | $131,572,000 | 2,920 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2511% | 2,092 |
| Cost of funding earning assets | 0.2592% | 4,459 |
| Net interest margin | 3.9919% | 1,491 |
| Noninterest income to average assets | 0.3656% | 3,918 |
| Noninterest expense to average assets | 2.6590% | 3,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9310% | 2,607 |
| Return on assets (ROA) | 0.9310% | 2,662 |
| Pretax return on assets | 1.3731% | 1,976 |
| Return on Equity (ROE) | 11.8631% | 1,280 |
| Retained earnings to average equity (ytd only) | 10.4547% | 713 |
| Net charge-offs to loans | 0.0246% | 2,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 80.7500% | 652 |
| Efficiency ratio | 64.2594% | 3,786 |
| Assets per employee ($millions) | 3.5392% | 4,737 |
| Cash dividends to net income (ytd only)* | 11.8721% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8465% | 4,934 |
| Loan loss allowance to noncurrent loans | 213.3205% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 3,291 |
| Noncurrent loans to loans | 0.3968% | 3,675 |
| Net loans and leases to total assets | 69.0049% | 2,529 |
| Net loans and leases to deposits | 75.3431% | 3,267 |
| Net loans and leases to core deposits | 77.6505% | 3,501 |
| Total domestic deposits to total assets | 91.5875% | 166 |
| Equity capital to assets | 7.9844% | 5,530 |
| Core capital (leverage) ratio | 7.7923% | 5,635 |
| Tier 1 risk-based capital ratio | 11.4488% | 5,064 |
| Total risk-based capital ratio | 12.3118% | 5,179 |
| Memoranda: | ||
| Average total assets | $188,191,500 | 3,103 |
| Average earning assets | $172,849,000 | 3,101 |
| Average equity | $14,768,500 | 3,804 |
| Average total loans | $130,112,500 | 2,955 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 2,238 |
| Cost of funding earning assets | 0.2399% | 4,654 |
| Net interest margin | 4.0336% | 1,550 |
| Noninterest income to average assets | 0.3694% | 4,104 |
| Noninterest expense to average assets | 2.8632% | 2,798 |
| Loan and lease loss provision to assets | 0.0271% | 3,814 |
| Net operating income to assets | 0.7761% | 3,425 |
| Return on assets (ROA) | 0.7761% | 3,528 |
| Pretax return on assets | 1.1726% | 2,790 |
| Return on Equity (ROE) | 9.9369% | 1,983 |
| Retained earnings to average equity (ytd only) | 3.8123% | 3,207 |
| Net charge-offs to loans | 0.0092% | 3,954 |
| Credit loss provision to net charge-offs | 416.6667% | 767 |
| Earnings coverage of net charge-offs (x) | 184.3333% | 361 |
| Efficiency ratio | 68.7759% | 3,110 |
| Assets per employee ($millions) | 3.4328% | 4,853 |
| Cash dividends to net income (ytd only)* | 61.6352% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 4,935 |
| Loan loss allowance to noncurrent loans | 99.0214% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 2,352 |
| Noncurrent loans to loans | 0.8667% | 2,368 |
| Net loans and leases to total assets | 68.0962% | 2,751 |
| Net loans and leases to deposits | 74.0272% | 3,510 |
| Net loans and leases to core deposits | 76.2677% | 3,728 |
| Total domestic deposits to total assets | 91.9880% | 102 |
| Equity capital to assets | 7.7117% | 5,662 |
| Core capital (leverage) ratio | 7.8081% | 5,682 |
| Tier 1 risk-based capital ratio | 11.0354% | 5,329 |
| Total risk-based capital ratio | 11.8982% | 5,430 |
| Memoranda: | ||
| Average total assets | $184,374,800 | 3,114 |
| Average earning assets | $168,832,000 | 3,130 |
| Average equity | $14,400,800 | 3,893 |
| Average total loans | $130,687,400 | 2,909 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3048% | 2,147 |
| Cost of funding earning assets | 0.2408% | 4,691 |
| Net interest margin | 4.0640% | 1,488 |
| Noninterest income to average assets | 0.3645% | 4,172 |
| Noninterest expense to average assets | 2.7136% | 3,320 |
| Loan and lease loss provision to assets | 0.0182% | 3,883 |
| Net operating income to assets | 0.8941% | 2,936 |
| Return on assets (ROA) | 0.8941% | 3,068 |
| Pretax return on assets | 1.3532% | 2,223 |
| Return on Equity (ROE) | 11.4103% | 1,522 |
| Retained earnings to average equity (ytd only) | 3.7044% | 3,669 |
| Net charge-offs to loans | -0.0031% | 4,530 |
| Credit loss provision to net charge-offs | -833.3333% | 5,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7373% | 3,800 |
| Assets per employee ($millions) | 3.3261% | 5,015 |
| Cash dividends to net income (ytd only)* | 67.5345% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 5,029 |
| Loan loss allowance to noncurrent loans | 224.3902% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 3,431 |
| Noncurrent loans to loans | 0.3798% | 3,899 |
| Net loans and leases to total assets | 71.5041% | 2,261 |
| Net loans and leases to deposits | 78.1571% | 3,171 |
| Net loans and leases to core deposits | 80.6591% | 3,382 |
| Total domestic deposits to total assets | 91.4876% | 118 |
| Equity capital to assets | 8.1706% | 5,682 |
| Core capital (leverage) ratio | 7.7703% | 5,771 |
| Tier 1 risk-based capital ratio | 11.0539% | 5,349 |
| Total risk-based capital ratio | 11.9215% | 5,453 |
| Memoranda: | ||
| Average total assets | $183,267,250 | 3,139 |
| Average earning assets | $167,776,250 | 3,157 |
| Average equity | $14,361,000 | 3,930 |
| Average total loans | $130,938,750 | 2,917 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 2,259 |
| Cost of funding earning assets | 0.2357% | 4,796 |
| Net interest margin | 4.0336% | 1,538 |
| Noninterest income to average assets | 0.3534% | 4,245 |
| Noninterest expense to average assets | 2.6766% | 3,460 |
| Loan and lease loss provision to assets | 0.0271% | 3,584 |
| Net operating income to assets | 0.8857% | 2,933 |
| Return on assets (ROA) | 0.8857% | 3,056 |
| Pretax return on assets | 1.3410% | 2,244 |
| Return on Equity (ROE) | 11.4616% | 1,488 |
| Retained earnings to average equity (ytd only) | 3.3389% | 3,774 |
| Net charge-offs to loans | -0.0107% | 4,718 |
| Credit loss provision to net charge-offs | -357.1429% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4867% | 3,935 |
| Assets per employee ($millions) | 3.3521% | 4,995 |
| Cash dividends to net income (ytd only)* | 70.8690% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 5,202 |
| Loan loss allowance to noncurrent loans | 145.8498% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 3,093 |
| Noncurrent loans to loans | 0.5675% | 3,365 |
| Net loans and leases to total assets | 71.9471% | 2,182 |
| Net loans and leases to deposits | 79.5302% | 2,997 |
| Net loans and leases to core deposits | 82.0357% | 3,264 |
| Total domestic deposits to total assets | 90.4652% | 327 |
| Equity capital to assets | 7.8453% | 5,849 |
| Core capital (leverage) ratio | 7.5169% | 5,880 |
| Tier 1 risk-based capital ratio | 10.6013% | 5,628 |
| Total risk-based capital ratio | 11.4464% | 5,726 |
| Memoranda: | ||
| Average total assets | $184,487,000 | 3,139 |
| Average earning assets | $168,831,000 | 3,158 |
| Average equity | $14,256,330 | 3,963 |
| Average total loans | $131,408,000 | 2,913 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 2,446 |
| Cost of funding earning assets | 0.2283% | 4,920 |
| Net interest margin | 3.9785% | 1,679 |
| Noninterest income to average assets | 0.3576% | 4,166 |
| Noninterest expense to average assets | 2.6768% | 3,505 |
| Loan and lease loss provision to assets | 0.0542% | 2,856 |
| Net operating income to assets | 0.8280% | 3,108 |
| Return on assets (ROA) | 0.8280% | 3,235 |
| Pretax return on assets | 1.2528% | 2,490 |
| Return on Equity (ROE) | 10.7967% | 1,676 |
| Retained earnings to average equity (ytd only) | 2.9677% | 4,029 |
| Net charge-offs to loans | -0.0061% | 4,356 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4516% | 3,889 |
| Assets per employee ($millions) | 3.3898% | 4,992 |
| Cash dividends to net income (ytd only)* | 72.5131% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8351% | 5,272 |
| Loan loss allowance to noncurrent loans | 144.1830% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 3,130 |
| Noncurrent loans to loans | 0.5792% | 3,455 |
| Net loans and leases to total assets | 71.5559% | 2,107 |
| Net loans and leases to deposits | 79.5688% | 2,856 |
| Net loans and leases to core deposits | 82.1334% | 3,121 |
| Total domestic deposits to total assets | 89.9295% | 631 |
| Equity capital to assets | 7.7919% | 5,886 |
| Core capital (leverage) ratio | 7.5511% | 5,918 |
| Tier 1 risk-based capital ratio | 10.6423% | 5,688 |
| Total risk-based capital ratio | 11.4969% | 5,777 |
| Memoranda: | ||
| Average total assets | $184,547,500 | 3,146 |
| Average earning assets | $168,202,500 | 3,174 |
| Average equity | $14,152,500 | 3,990 |
| Average total loans | $130,235,500 | 2,933 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2100% | 2,523 |
| Cost of funding earning assets | 0.2346% | 4,955 |
| Net interest margin | 3.9754% | 1,800 |
| Noninterest income to average assets | 0.3758% | 4,221 |
| Noninterest expense to average assets | 2.9821% | 2,610 |
| Loan and lease loss provision to assets | 0.0334% | 3,692 |
| Net operating income to assets | 0.6577% | 4,007 |
| Return on assets (ROA) | 0.6610% | 4,076 |
| Pretax return on assets | 0.9829% | 3,532 |
| Return on Equity (ROE) | 8.3971% | 2,762 |
| Retained earnings to average equity (ytd only) | 0.5721% | 5,288 |
| Net charge-offs to loans | 0.0072% | 4,191 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | 202.1111% | 335 |
| Efficiency ratio | 72.1008% | 2,895 |
| Assets per employee ($millions) | 3.3826% | 5,014 |
| Cash dividends to net income (ytd only)* | 93.1876% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8381% | 5,306 |
| Loan loss allowance to noncurrent loans | 145.2092% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 3,178 |
| Noncurrent loans to loans | 0.5772% | 3,439 |
| Net loans and leases to total assets | 68.4291% | 2,640 |
| Net loans and leases to deposits | 74.2348% | 3,463 |
| Net loans and leases to core deposits | 76.7291% | 3,691 |
| Total domestic deposits to total assets | 92.1793% | 94 |
| Equity capital to assets | 7.5476% | 5,975 |
| Core capital (leverage) ratio | 7.5749% | 5,960 |
| Tier 1 risk-based capital ratio | 10.7035% | 5,673 |
| Total risk-based capital ratio | 11.5489% | 5,790 |
| Memoranda: | ||
| Average total assets | $179,873,000 | 3,175 |
| Average earning assets | $163,683,600 | 3,205 |
| Average equity | $14,159,600 | 3,945 |
| Average total loans | $124,524,200 | 2,980 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 2,478 |
| Cost of funding earning assets | 0.2352% | 5,038 |
| Net interest margin | 3.9963% | 1,716 |
| Noninterest income to average assets | 0.3686% | 4,291 |
| Noninterest expense to average assets | 2.8321% | 3,068 |
| Loan and lease loss provision to assets | 0.0449% | 3,313 |
| Net operating income to assets | 0.7603% | 3,633 |
| Return on assets (ROA) | 0.7649% | 3,709 |
| Pretax return on assets | 1.1447% | 3,040 |
| Return on Equity (ROE) | 9.6129% | 2,254 |
| Retained earnings to average equity (ytd only) | 1.8041% | 4,978 |
| Net charge-offs to loans | 0.0043% | 4,029 |
| Credit loss provision to net charge-offs | 1,500.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 395.7373% | 193 |
| Efficiency ratio | 67.7467% | 3,593 |
| Assets per employee ($millions) | 3.3113% | 5,104 |
| Cash dividends to net income (ytd only)* | 81.2313% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 5,235 |
| Loan loss allowance to noncurrent loans | 105.3659% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8211% | 2,821 |
| Noncurrent loans to loans | 0.8450% | 2,856 |
| Net loans and leases to total assets | 68.5026% | 2,604 |
| Net loans and leases to deposits | 74.8319% | 3,444 |
| Net loans and leases to core deposits | 77.5206% | 3,649 |
| Total domestic deposits to total assets | 91.5419% | 150 |
| Equity capital to assets | 8.1419% | 5,904 |
| Core capital (leverage) ratio | 7.6850% | 6,014 |
| Tier 1 risk-based capital ratio | 11.4525% | 5,401 |
| Total risk-based capital ratio | 12.3541% | 5,496 |
| Memoranda: | ||
| Average total assets | $178,330,000 | 3,217 |
| Average earning assets | $162,714,250 | 3,242 |
| Average equity | $14,189,000 | 3,990 |
| Average total loans | $123,559,000 | 3,016 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2243% | 2,458 |
| Cost of funding earning assets | 0.2306% | 5,138 |
| Net interest margin | 3.9937% | 1,657 |
| Noninterest income to average assets | 0.3592% | 4,374 |
| Noninterest expense to average assets | 2.7835% | 3,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8066% | 3,349 |
| Return on assets (ROA) | 0.8133% | 3,419 |
| Pretax return on assets | 1.2183% | 2,703 |
| Return on Equity (ROE) | 10.2998% | 1,932 |
| Retained earnings to average equity (ytd only) | 2.4725% | 4,485 |
| Net charge-offs to loans | 0.0097% | 3,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 180.5000% | 371 |
| Efficiency ratio | 66.9368% | 3,847 |
| Assets per employee ($millions) | 3.2028% | 5,338 |
| Cash dividends to net income (ytd only)* | 75.9945% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7894% | 5,626 |
| Loan loss allowance to noncurrent loans | 130.6804% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 3,405 |
| Noncurrent loans to loans | 0.6040% | 3,657 |
| Net loans and leases to total assets | 71.3378% | 2,100 |
| Net loans and leases to deposits | 80.1378% | 2,765 |
| Net loans and leases to core deposits | 83.1944% | 3,061 |
| Total domestic deposits to total assets | 89.0190% | 1,129 |
| Equity capital to assets | 7.8977% | 6,022 |
| Core capital (leverage) ratio | 7.6345% | 6,056 |
| Tier 1 risk-based capital ratio | 10.7751% | 5,816 |
| Total risk-based capital ratio | 11.5768% | 5,929 |
| Memoranda: | ||
| Average total assets | $179,273,330 | 3,222 |
| Average earning assets | $163,058,330 | 3,259 |
| Average equity | $14,155,670 | 4,020 |
| Average total loans | $124,311,330 | 3,011 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1487% | 2,639 |
| Cost of funding earning assets | 0.2261% | 5,257 |
| Net interest margin | 3.9226% | 1,813 |
| Noninterest income to average assets | 0.3727% | 4,222 |
| Noninterest expense to average assets | 2.7406% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7966% | 3,277 |
| Return on assets (ROA) | 0.8235% | 3,267 |
| Pretax return on assets | 1.2342% | 2,533 |
| Return on Equity (ROE) | 10.4304% | 1,820 |
| Retained earnings to average equity (ytd only) | 2.6005% | 4,379 |
| Net charge-offs to loans | 0.0459% | 2,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 38.2143% | 1,002 |
| Efficiency ratio | 66.8179% | 4,010 |
| Assets per employee ($millions) | 3.2248% | 5,373 |
| Cash dividends to net income (ytd only)* | 75.0678% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8157% | 5,659 |
| Loan loss allowance to noncurrent loans | 126.4080% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 3,373 |
| Noncurrent loans to loans | 0.6453% | 3,661 |
| Net loans and leases to total assets | 69.2408% | 2,246 |
| Net loans and leases to deposits | 75.5892% | 3,104 |
| Net loans and leases to core deposits | 78.5832% | 3,321 |
| Total domestic deposits to total assets | 91.6015% | 211 |
| Equity capital to assets | 8.0303% | 6,019 |
| Core capital (leverage) ratio | 7.6159% | 6,106 |
| Tier 1 risk-based capital ratio | 11.0189% | 5,802 |
| Total risk-based capital ratio | 11.8410% | 5,910 |
| Memoranda: | ||
| Average total assets | $179,232,500 | 3,244 |
| Average earning assets | $162,751,000 | 3,284 |
| Average equity | $14,151,000 | 4,051 |
| Average total loans | $121,984,000 | 3,061 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 2,642 |
| Cost of funding earning assets | 0.2387% | 5,432 |
| Net interest margin | 4.0512% | 1,734 |
| Noninterest income to average assets | 0.3972% | 4,201 |
| Noninterest expense to average assets | 3.1316% | 2,416 |
| Loan and lease loss provision to assets | 0.0393% | 3,789 |
| Net operating income to assets | 0.6013% | 4,359 |
| Return on assets (ROA) | 0.6227% | 4,372 |
| Pretax return on assets | 0.9234% | 3,808 |
| Return on Equity (ROE) | 7.9141% | 3,177 |
| Retained earnings to average equity (ytd only) | 0.0143% | 5,755 |
| Net charge-offs to loans | 0.0212% | 4,415 |
| Credit loss provision to net charge-offs | 280.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 66.3600% | 738 |
| Efficiency ratio | 74.3268% | 2,783 |
| Assets per employee ($millions) | 3.3537% | 5,153 |
| Cash dividends to net income (ytd only)* | 99.8198% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 5,628 |
| Loan loss allowance to noncurrent loans | 163.3174% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 3,667 |
| Noncurrent loans to loans | 0.5219% | 4,107 |
| Net loans and leases to total assets | 65.7786% | 2,927 |
| Net loans and leases to deposits | 71.5246% | 3,734 |
| Net loans and leases to core deposits | 74.3630% | 3,891 |
| Total domestic deposits to total assets | 91.9663% | 152 |
| Equity capital to assets | 7.7631% | 6,152 |
| Core capital (leverage) ratio | 7.4996% | 6,203 |
| Tier 1 risk-based capital ratio | 10.8516% | 5,964 |
| Total risk-based capital ratio | 11.6838% | 6,073 |
| Memoranda: | ||
| Average total assets | $178,248,000 | 3,226 |
| Average earning assets | $161,260,600 | 3,263 |
| Average equity | $14,025,600 | 4,020 |
| Average total loans | $118,041,000 | 3,080 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 2,427 |
| Cost of funding earning assets | 0.2406% | 5,501 |
| Net interest margin | 4.1084% | 1,552 |
| Noninterest income to average assets | 0.3950% | 4,285 |
| Noninterest expense to average assets | 2.9432% | 2,983 |
| Loan and lease loss provision to assets | 0.0526% | 3,325 |
| Net operating income to assets | 0.7449% | 3,697 |
| Return on assets (ROA) | 0.7735% | 3,657 |
| Pretax return on assets | 1.1603% | 2,946 |
| Return on Equity (ROE) | 9.7972% | 2,311 |
| Retained earnings to average equity (ytd only) | 1.8929% | 5,107 |
| Net charge-offs to loans | 0.0363% | 3,760 |
| Credit loss provision to net charge-offs | 218.7500% | 1,183 |
| Earnings coverage of net charge-offs (x) | 48.6824% | 995 |
| Efficiency ratio | 68.8150% | 3,709 |
| Assets per employee ($millions) | 3.2712% | 5,281 |
| Cash dividends to net income (ytd only)* | 80.6794% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 5,658 |
| Loan loss allowance to noncurrent loans | 100.1970% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 3,235 |
| Noncurrent loans to loans | 0.8794% | 3,371 |
| Net loans and leases to total assets | 64.7645% | 3,065 |
| Net loans and leases to deposits | 70.6015% | 3,848 |
| Net loans and leases to core deposits | 73.4835% | 3,996 |
| Total domestic deposits to total assets | 91.7325% | 191 |
| Equity capital to assets | 7.9630% | 6,152 |
| Core capital (leverage) ratio | 7.5905% | 6,243 |
| Tier 1 risk-based capital ratio | 11.6186% | 5,729 |
| Total risk-based capital ratio | 12.4940% | 5,838 |
| Memoranda: | ||
| Average total assets | $177,535,000 | 3,266 |
| Average earning assets | $160,673,500 | 3,294 |
| Average equity | $14,017,250 | 4,042 |
| Average total loans | $117,514,000 | 3,111 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 2,586 |
| Cost of funding earning assets | 0.2373% | 5,609 |
| Net interest margin | 4.0608% | 1,632 |
| Noninterest income to average assets | 0.3869% | 4,342 |
| Noninterest expense to average assets | 3.0343% | 2,713 |
| Loan and lease loss provision to assets | 0.0450% | 3,422 |
| Net operating income to assets | 0.6613% | 4,038 |
| Return on assets (ROA) | 0.6613% | 4,137 |
| Pretax return on assets | 0.9829% | 3,545 |
| Return on Equity (ROE) | 8.3994% | 2,895 |
| Retained earnings to average equity (ytd only) | 0.4857% | 5,546 |
| Net charge-offs to loans | 0.0491% | 3,266 |
| Credit loss provision to net charge-offs | 137.9310% | 1,542 |
| Earnings coverage of net charge-offs (x) | 31.5172% | 1,214 |
| Efficiency ratio | 71.9269% | 3,357 |
| Assets per employee ($millions) | 3.1478% | 5,512 |
| Cash dividends to net income (ytd only)* | 94.2177% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 5,970 |
| Loan loss allowance to noncurrent loans | 170.3959% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 4,310 |
| Noncurrent loans to loans | 0.4709% | 4,588 |
| Net loans and leases to total assets | 68.2137% | 2,382 |
| Net loans and leases to deposits | 76.5547% | 2,981 |
| Net loans and leases to core deposits | 79.9074% | 3,224 |
| Total domestic deposits to total assets | 89.1045% | 1,299 |
| Equity capital to assets | 7.8312% | 6,241 |
| Core capital (leverage) ratio | 7.4689% | 6,321 |
| Tier 1 risk-based capital ratio | 10.6870% | 6,184 |
| Total risk-based capital ratio | 11.4834% | 6,286 |
| Memoranda: | ||
| Average total assets | $177,832,330 | 3,276 |
| Average earning assets | $160,952,670 | 3,310 |
| Average equity | $14,001,000 | 4,048 |
| Average total loans | $118,212,330 | 3,095 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2984% | 2,525 |
| Cost of funding earning assets | 0.2465% | 5,617 |
| Net interest margin | 4.0520% | 1,591 |
| Noninterest income to average assets | 0.4180% | 4,048 |
| Noninterest expense to average assets | 2.9734% | 2,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7253% | 3,561 |
| Return on assets (ROA) | 0.7253% | 3,645 |
| Pretax return on assets | 1.0845% | 2,980 |
| Return on Equity (ROE) | 9.1872% | 2,382 |
| Retained earnings to average equity (ytd only) | 3.4058% | 4,088 |
| Net charge-offs to loans | -0.0277% | 5,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4900% | 3,745 |
| Assets per employee ($millions) | 3.4157% | 5,114 |
| Cash dividends to net income (ytd only)* | 62.9283% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 6,015 |
| Loan loss allowance to noncurrent loans | 149.5455% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 4,305 |
| Noncurrent loans to loans | 0.5650% | 4,464 |
| Net loans and leases to total assets | 65.2113% | 2,692 |
| Net loans and leases to deposits | 71.0587% | 3,468 |
| Net loans and leases to core deposits | 74.1076% | 3,634 |
| Total domestic deposits to total assets | 91.7710% | 307 |
| Equity capital to assets | 7.9419% | 6,093 |
| Core capital (leverage) ratio | 7.6102% | 6,300 |
| Tier 1 risk-based capital ratio | 11.1780% | 6,084 |
| Total risk-based capital ratio | 12.0063% | 6,217 |
| Memoranda: | ||
| Average total assets | $177,037,000 | 3,309 |
| Average earning assets | $159,034,500 | 3,356 |
| Average equity | $13,976,000 | 4,050 |
| Average total loans | $115,628,000 | 3,160 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 2,651 |
| Cost of funding earning assets | 0.2819% | 5,749 |
| Net interest margin | 4.1001% | 1,638 |
| Noninterest income to average assets | 0.4244% | 4,273 |
| Noninterest expense to average assets | 3.0914% | 2,763 |
| Loan and lease loss provision to assets | 0.0761% | 3,584 |
| Net operating income to assets | 0.8195% | 3,191 |
| Return on assets (ROA) | 0.8195% | 3,286 |
| Pretax return on assets | 0.9600% | 3,515 |
| Return on Equity (ROE) | 9.9726% | 2,127 |
| Retained earnings to average equity (ytd only) | 2.0800% | 4,756 |
| Net charge-offs to loans | 0.0881% | 3,973 |
| Credit loss provision to net charge-offs | 135.4167% | 1,733 |
| Earnings coverage of net charge-offs (x) | 18.4375% | 1,652 |
| Efficiency ratio | 72.0607% | 3,460 |
| Assets per employee ($millions) | 3.3294% | 5,226 |
| Cash dividends to net income (ytd only)* | 79.1429% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 6,044 |
| Loan loss allowance to noncurrent loans | 102.7282% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 3,958 |
| Noncurrent loans to loans | 0.8327% | 3,900 |
| Net loans and leases to total assets | 64.3011% | 2,992 |
| Net loans and leases to deposits | 69.9684% | 3,790 |
| Net loans and leases to core deposits | 73.1725% | 3,927 |
| Total domestic deposits to total assets | 91.9001% | 303 |
| Equity capital to assets | 7.8466% | 6,120 |
| Core capital (leverage) ratio | 7.7720% | 6,261 |
| Tier 1 risk-based capital ratio | 11.1518% | 6,095 |
| Total risk-based capital ratio | 11.9820% | 6,239 |
| Memoranda: | ||
| Average total assets | $170,830,400 | 3,398 |
| Average earning assets | $154,288,200 | 3,429 |
| Average equity | $14,038,400 | 4,062 |
| Average total loans | $108,992,200 | 3,261 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 2,736 |
| Cost of funding earning assets | 0.2872% | 5,836 |
| Net interest margin | 4.0725% | 1,717 |
| Noninterest income to average assets | 0.3730% | 4,727 |
| Noninterest expense to average assets | 2.7851% | 3,711 |
| Loan and lease loss provision to assets | 0.1023% | 3,057 |
| Net operating income to assets | 0.8956% | 2,854 |
| Return on assets (ROA) | 0.8956% | 2,971 |
| Pretax return on assets | 1.1797% | 2,783 |
| Return on Equity (ROE) | 10.7713% | 1,894 |
| Retained earnings to average equity (ytd only) | 2.9058% | 4,587 |
| Net charge-offs to loans | 0.1251% | 3,281 |
| Credit loss provision to net charge-offs | 128.7129% | 1,833 |
| Earnings coverage of net charge-offs (x) | 16.1291% | 1,824 |
| Efficiency ratio | 65.5766% | 4,564 |
| Assets per employee ($millions) | 3.1377% | 5,608 |
| Cash dividends to net income (ytd only)* | 73.0225% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 6,014 |
| Loan loss allowance to noncurrent loans | 75.4454% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 4,099 |
| Noncurrent loans to loans | 1.2166% | 3,382 |
| Net loans and leases to total assets | 63.2239% | 3,123 |
| Net loans and leases to deposits | 69.2357% | 3,901 |
| Net loans and leases to core deposits | 73.0159% | 3,970 |
| Total domestic deposits to total assets | 91.3168% | 415 |
| Equity capital to assets | 8.3795% | 5,854 |
| Core capital (leverage) ratio | 7.7705% | 6,342 |
| Tier 1 risk-based capital ratio | 12.0561% | 5,748 |
| Total risk-based capital ratio | 12.9483% | 5,911 |
| Memoranda: | ||
| Average total assets | $169,423,250 | 3,456 |
| Average earning assets | $153,676,750 | 3,472 |
| Average equity | $14,086,500 | 4,093 |
| Average total loans | $107,629,250 | 3,315 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 2,896 |
| Cost of funding earning assets | 0.2872% | 5,926 |
| Net interest margin | 4.0269% | 1,772 |
| Noninterest income to average assets | 0.3485% | 4,904 |
| Noninterest expense to average assets | 2.7677% | 3,789 |
| Loan and lease loss provision to assets | 0.0469% | 4,034 |
| Net operating income to assets | 0.7661% | 3,487 |
| Return on assets (ROA) | 0.7661% | 3,643 |
| Pretax return on assets | 1.2026% | 2,665 |
| Return on Equity (ROE) | 9.2382% | 2,526 |
| Retained earnings to average equity (ytd only) | 1.4006% | 5,320 |
| Net charge-offs to loans | 0.1924% | 2,602 |
| Credit loss provision to net charge-offs | 38.4615% | 3,445 |
| Earnings coverage of net charge-offs (x) | 10.2404% | 2,172 |
| Efficiency ratio | 65.9755% | 4,550 |
| Assets per employee ($millions) | 3.0814% | 5,716 |
| Cash dividends to net income (ytd only)* | 84.8392% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 6,370 |
| Loan loss allowance to noncurrent loans | 67.3813% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7818% | 4,271 |
| Noncurrent loans to loans | 1.1751% | 3,593 |
| Net loans and leases to total assets | 63.8995% | 2,924 |
| Net loans and leases to deposits | 69.7188% | 3,755 |
| Net loans and leases to core deposits | 73.8345% | 3,840 |
| Total domestic deposits to total assets | 91.6532% | 326 |
| Equity capital to assets | 8.0866% | 6,141 |
| Core capital (leverage) ratio | 7.6239% | 6,405 |
| Tier 1 risk-based capital ratio | 11.5582% | 6,080 |
| Total risk-based capital ratio | 12.3323% | 6,275 |
| Memoranda: | ||
| Average total assets | $170,465,000 | 3,454 |
| Average earning assets | $155,307,330 | 3,475 |
| Average equity | $14,137,000 | 4,122 |
| Average total loans | $108,134,330 | 3,318 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 2,860 |
| Cost of funding earning assets | 0.2917% | 6,033 |
| Net interest margin | 4.0173% | 1,719 |
| Noninterest income to average assets | 0.3518% | 4,863 |
| Noninterest expense to average assets | 2.7057% | 4,034 |
| Loan and lease loss provision to assets | 0.0590% | 3,651 |
| Net operating income to assets | 0.8004% | 3,167 |
| Return on assets (ROA) | 0.8004% | 3,296 |
| Pretax return on assets | 1.2608% | 2,368 |
| Return on Equity (ROE) | 9.5302% | 2,248 |
| Retained earnings to average equity (ytd only) | 1.7430% | 5,114 |
| Net charge-offs to loans | 0.0113% | 3,921 |
| Credit loss provision to net charge-offs | 833.3333% | 359 |
| Earnings coverage of net charge-offs (x) | 186.3333% | 217 |
| Efficiency ratio | 64.2815% | 4,965 |
| Assets per employee ($millions) | 3.2234% | 5,583 |
| Cash dividends to net income (ytd only)* | 81.7109% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 6,256 |
| Loan loss allowance to noncurrent loans | 84.0870% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 4,640 |
| Noncurrent loans to loans | 1.0726% | 4,005 |
| Net loans and leases to total assets | 63.3903% | 2,821 |
| Net loans and leases to deposits | 69.5505% | 3,565 |
| Net loans and leases to core deposits | 74.1297% | 3,560 |
| Total domestic deposits to total assets | 91.1429% | 468 |
| Equity capital to assets | 8.4884% | 6,029 |
| Core capital (leverage) ratio | 7.8124% | 6,274 |
| Tier 1 risk-based capital ratio | 12.1523% | 5,821 |
| Total risk-based capital ratio | 13.0527% | 6,002 |
| Memoranda: | ||
| Average total assets | $169,419,000 | 3,512 |
| Average earning assets | $154,931,500 | 3,515 |
| Average equity | $14,228,500 | 4,156 |
| Average total loans | $106,630,000 | 3,369 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 2,266 |
| Cost of funding earning assets | 0.3718% | 6,099 |
| Net interest margin | 4.4090% | 1,145 |
| Noninterest income to average assets | 0.4157% | 4,489 |
| Noninterest expense to average assets | 3.2333% | 2,509 |
| Loan and lease loss provision to assets | 0.0434% | 5,310 |
| Net operating income to assets | 0.7563% | 3,482 |
| Return on assets (ROA) | 0.7563% | 3,723 |
| Pretax return on assets | 1.1857% | 2,850 |
| Return on Equity (ROE) | 8.4801% | 2,876 |
| Retained earnings to average equity (ytd only) | -2.9996% | 6,265 |
| Net charge-offs to loans | 0.0011% | 5,976 |
| Credit loss provision to net charge-offs | 6,000.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 1,700.0000% | 17 |
| Efficiency ratio | 70.4472% | 3,724 |
| Assets per employee ($millions) | 3.2306% | 5,559 |
| Cash dividends to net income (ytd only)* | 135.3728% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 6,285 |
| Loan loss allowance to noncurrent loans | 84.9820% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 4,814 |
| Noncurrent loans to loans | 1.0487% | 4,111 |
| Net loans and leases to total assets | 61.3797% | 3,360 |
| Net loans and leases to deposits | 67.2191% | 4,099 |
| Net loans and leases to core deposits | 71.5833% | 4,094 |
| Total domestic deposits to total assets | 91.3130% | 395 |
| Equity capital to assets | 8.3103% | 6,191 |
| Core capital (leverage) ratio | 7.9542% | 6,238 |
| Tier 1 risk-based capital ratio | 11.5454% | 6,067 |
| Total risk-based capital ratio | 12.3886% | 6,264 |
| Memoranda: | ||
| Average total assets | $138,310,000 | 3,982 |
| Average earning assets | $126,945,400 | 3,966 |
| Average equity | $12,334,800 | 4,491 |
| Average total loans | $92,335,400 | 3,690 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 2,188 |
| Cost of funding earning assets | 0.3850% | 6,198 |
| Net interest margin | 4.4672% | 1,053 |
| Noninterest income to average assets | 0.4202% | 4,482 |
| Noninterest expense to average assets | 2.8863% | 3,652 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0403% | 2,318 |
| Return on assets (ROA) | 1.0403% | 2,535 |
| Pretax return on assets | 1.6492% | 1,413 |
| Return on Equity (ROE) | 11.4094% | 1,818 |
| Retained earnings to average equity (ytd only) | -0.5508% | 6,188 |
| Net charge-offs to loans | -0.0060% | 6,293 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9887% | 5,150 |
| Assets per employee ($millions) | 3.0919% | 5,875 |
| Cash dividends to net income (ytd only)* | 104.8275% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 6,449 |
| Loan loss allowance to noncurrent loans | 80.6159% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 4,652 |
| Noncurrent loans to loans | 1.0844% | 4,269 |
| Net loans and leases to total assets | 63.9991% | 3,029 |
| Net loans and leases to deposits | 70.8936% | 3,771 |
| Net loans and leases to core deposits | 75.7459% | 3,758 |
| Total domestic deposits to total assets | 90.2749% | 690 |
| Equity capital to assets | 9.2736% | 5,503 |
| Core capital (leverage) ratio | 9.5510% | 4,195 |
| Tier 1 risk-based capital ratio | 12.3818% | 5,716 |
| Total risk-based capital ratio | 13.2160% | 5,940 |
| Memoranda: | ||
| Average total assets | $130,082,250 | 4,187 |
| Average earning assets | $119,834,750 | 4,154 |
| Average equity | $11,861,250 | 4,640 |
| Average total loans | $88,909,250 | 3,819 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0672% | 1,602 |
| Cost of funding earning assets | 0.4122% | 6,204 |
| Net interest margin | 4.6550% | 744 |
| Noninterest income to average assets | 0.4252% | 4,466 |
| Noninterest expense to average assets | 2.7415% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2475% | 1,571 |
| Return on assets (ROA) | 1.2475% | 1,744 |
| Pretax return on assets | 1.9623% | 739 |
| Return on Equity (ROE) | 13.7834% | 1,172 |
| Retained earnings to average equity (ytd only) | -1.9743% | 6,357 |
| Net charge-offs to loans | 0.0993% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 28.2381% | 1,113 |
| Efficiency ratio | 56.9821% | 6,004 |
| Assets per employee ($millions) | 2.8419% | 6,335 |
| Cash dividends to net income (ytd only)* | 114.3236% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 6,220 |
| Loan loss allowance to noncurrent loans | 246.4912% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 5,574 |
| Noncurrent loans to loans | 0.3993% | 5,736 |
| Net loans and leases to total assets | 69.3998% | 2,029 |
| Net loans and leases to deposits | 76.7618% | 2,878 |
| Net loans and leases to core deposits | 82.3179% | 2,923 |
| Total domestic deposits to total assets | 90.4093% | 713 |
| Equity capital to assets | 8.9982% | 5,703 |
| Core capital (leverage) ratio | 8.3705% | 5,827 |
| Tier 1 risk-based capital ratio | 11.9125% | 5,983 |
| Total risk-based capital ratio | 12.8925% | 6,126 |
| Memoranda: | ||
| Average total assets | $120,881,330 | 4,402 |
| Average earning assets | $111,106,000 | 4,381 |
| Average equity | $10,940,670 | 4,824 |
| Average total loans | $84,610,000 | 3,950 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 1,867 |
| Cost of funding earning assets | 0.4300% | 6,256 |
| Net interest margin | 4.5748% | 861 |
| Noninterest income to average assets | 0.4159% | 4,552 |
| Noninterest expense to average assets | 2.7183% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2144% | 1,697 |
| Return on assets (ROA) | 1.2144% | 1,879 |
| Pretax return on assets | 1.9098% | 865 |
| Return on Equity (ROE) | 13.3785% | 1,310 |
| Retained earnings to average equity (ytd only) | -10.5196% | 6,855 |
| Net charge-offs to loans | -0.0238% | 6,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4407% | 5,982 |
| Assets per employee ($millions) | 3.0622% | 6,038 |
| Cash dividends to net income (ytd only)* | 178.6301% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 6,090 |
| Loan loss allowance to noncurrent loans | 216.3017% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 5,821 |
| Noncurrent loans to loans | 0.4840% | 5,704 |
| Net loans and leases to total assets | 70.3674% | 1,695 |
| Net loans and leases to deposits | 77.8971% | 2,532 |
| Net loans and leases to core deposits | 82.7747% | 2,717 |
| Total domestic deposits to total assets | 90.3338% | 894 |
| Equity capital to assets | 9.0232% | 5,458 |
| Core capital (leverage) ratio | 8.4523% | 5,670 |
| Tier 1 risk-based capital ratio | 11.9569% | 5,985 |
| Total risk-based capital ratio | 13.0146% | 6,097 |
| Memoranda: | ||
| Average total assets | $120,221,000 | 4,446 |
| Average earning assets | $110,693,500 | 4,423 |
| Average equity | $10,913,000 | 4,837 |
| Average total loans | $84,089,500 | 4,007 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2589% | 1,835 |
| Cost of funding earning assets | 0.5850% | 6,160 |
| Net interest margin | 4.6738% | 793 |
| Noninterest income to average assets | 0.4687% | 4,066 |
| Noninterest expense to average assets | 2.7972% | 4,357 |
| Loan and lease loss provision to assets | 0.0828% | 5,577 |
| Net operating income to assets | 1.2265% | 1,440 |
| Return on assets (ROA) | 1.2222% | 1,559 |
| Pretax return on assets | 1.8888% | 683 |
| Return on Equity (ROE) | 13.3839% | 1,068 |
| Retained earnings to average equity (ytd only) | 0.2539% | 5,711 |
| Net charge-offs to loans | -0.0344% | 7,015 |
| Credit loss provision to net charge-offs | -357.1429% | 6,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2915% | 6,153 |
| Assets per employee ($millions) | 2.9516% | 6,193 |
| Cash dividends to net income (ytd only)* | 98.1030% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 5,944 |
| Loan loss allowance to noncurrent loans | 204.1475% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4305% | 5,891 |
| Noncurrent loans to loans | 0.5213% | 5,670 |
| Net loans and leases to total assets | 68.0629% | 2,383 |
| Net loans and leases to deposits | 75.4781% | 3,265 |
| Net loans and leases to core deposits | 81.1946% | 3,301 |
| Total domestic deposits to total assets | 90.1757% | 891 |
| Equity capital to assets | 9.1310% | 5,372 |
| Core capital (leverage) ratio | 8.7451% | 5,183 |
| Tier 1 risk-based capital ratio | 12.3730% | 5,561 |
| Total risk-based capital ratio | 13.4355% | 5,675 |
| Memoranda: | ||
| Average total assets | $120,762,800 | 4,379 |
| Average earning assets | $111,278,800 | 4,363 |
| Average equity | $11,028,200 | 4,772 |
| Average total loans | $81,390,200 | 4,096 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2458% | 2,044 |
| Cost of funding earning assets | 0.6103% | 6,246 |
| Net interest margin | 4.6356% | 879 |
| Noninterest income to average assets | 0.4628% | 4,196 |
| Noninterest expense to average assets | 2.6014% | 5,075 |
| Loan and lease loss provision to assets | 0.1105% | 5,053 |
| Net operating income to assets | 1.3080% | 1,357 |
| Return on assets (ROA) | 1.3024% | 1,459 |
| Pretax return on assets | 2.0215% | 602 |
| Return on Equity (ROE) | 14.2611% | 985 |
| Retained earnings to average equity (ytd only) | 3.4231% | 4,299 |
| Net charge-offs to loans | -0.0428% | 7,024 |
| Credit loss provision to net charge-offs | -384.6154% | 6,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5756% | 6,536 |
| Assets per employee ($millions) | 3.0957% | 5,907 |
| Cash dividends to net income (ytd only)* | 75.9968% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,884 |
| Loan loss allowance to noncurrent loans | 179.3103% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4931% | 5,855 |
| Noncurrent loans to loans | 0.6145% | 5,662 |
| Net loans and leases to total assets | 67.4527% | 2,582 |
| Net loans and leases to deposits | 77.0309% | 3,163 |
| Net loans and leases to core deposits | 82.0312% | 3,324 |
| Total domestic deposits to total assets | 87.5658% | 2,315 |
| Equity capital to assets | 9.6714% | 4,822 |
| Core capital (leverage) ratio | 8.9192% | 5,069 |
| Tier 1 risk-based capital ratio | 13.2801% | 4,890 |
| Total risk-based capital ratio | 14.3923% | 4,971 |
| Memoranda: | ||
| Average total assets | $120,699,500 | 4,400 |
| Average earning assets | $111,425,500 | 4,375 |
| Average equity | $11,022,750 | 4,798 |
| Average total loans | $80,924,500 | 4,147 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1782% | 2,353 |
| Cost of funding earning assets | 0.6288% | 6,319 |
| Net interest margin | 4.5494% | 1,013 |
| Noninterest income to average assets | 0.4502% | 4,283 |
| Noninterest expense to average assets | 2.6273% | 5,084 |
| Loan and lease loss provision to assets | 0.1643% | 4,287 |
| Net operating income to assets | 1.1997% | 1,569 |
| Return on assets (ROA) | 1.1912% | 1,690 |
| Pretax return on assets | 1.8534% | 780 |
| Return on Equity (ROE) | 13.2971% | 1,137 |
| Retained earnings to average equity (ytd only) | 2.5860% | 4,649 |
| Net charge-offs to loans | -0.0468% | 7,016 |
| Credit loss provision to net charge-offs | -526.3158% | 6,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0970% | 6,497 |
| Assets per employee ($millions) | 3.0059% | 6,077 |
| Cash dividends to net income (ytd only)* | 80.5517% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 6,131 |
| Loan loss allowance to noncurrent loans | 90.1336% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.8520% | 5,168 |
| Noncurrent loans to loans | 1.1684% | 4,700 |
| Net loans and leases to total assets | 66.8587% | 2,849 |
| Net loans and leases to deposits | 78.3400% | 3,071 |
| Net loans and leases to core deposits | 84.1491% | 3,189 |
| Total domestic deposits to total assets | 85.3443% | 3,706 |
| Equity capital to assets | 8.9969% | 5,586 |
| Core capital (leverage) ratio | 8.5346% | 5,496 |
| Tier 1 risk-based capital ratio | 12.6288% | 5,237 |
| Total risk-based capital ratio | 13.6944% | 5,382 |
| Memoranda: | ||
| Average total assets | $121,721,000 | 4,398 |
| Average earning assets | $112,586,670 | 4,367 |
| Average equity | $10,904,670 | 4,823 |
| Average total loans | $81,155,330 | 4,172 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0525% | 2,844 |
| Cost of funding earning assets | 0.6649% | 6,316 |
| Net interest margin | 4.3876% | 1,318 |
| Noninterest income to average assets | 0.4894% | 3,974 |
| Noninterest expense to average assets | 2.6786% | 4,923 |
| Loan and lease loss provision to assets | 0.3307% | 2,574 |
| Net operating income to assets | 1.0327% | 2,059 |
| Return on assets (ROA) | 1.0152% | 2,181 |
| Pretax return on assets | 1.5344% | 1,346 |
| Return on Equity (ROE) | 11.3567% | 1,633 |
| Retained earnings to average equity (ytd only) | 0.5549% | 5,608 |
| Net charge-offs to loans | -0.0749% | 7,007 |
| Credit loss provision to net charge-offs | -666.6667% | 6,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3082% | 6,346 |
| Assets per employee ($millions) | 2.9980% | 6,145 |
| Cash dividends to net income (ytd only)* | 95.1140% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 6,162 |
| Loan loss allowance to noncurrent loans | 112.6452% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.7188% | 5,501 |
| Noncurrent loans to loans | 0.9496% | 5,136 |
| Net loans and leases to total assets | 67.3277% | 2,692 |
| Net loans and leases to deposits | 77.2627% | 3,200 |
| Net loans and leases to core deposits | 84.8596% | 3,053 |
| Total domestic deposits to total assets | 87.1412% | 2,861 |
| Equity capital to assets | 9.0312% | 5,155 |
| Core capital (leverage) ratio | 8.5229% | 5,410 |
| Tier 1 risk-based capital ratio | 12.8735% | 4,929 |
| Total risk-based capital ratio | 13.9698% | 5,021 |
| Memoranda: | ||
| Average total assets | $120,960,500 | 4,448 |
| Average earning assets | $112,499,500 | 4,396 |
| Average equity | $10,813,000 | 4,842 |
| Average total loans | $80,095,500 | 4,250 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3749% | 2,785 |
| Cost of funding earning assets | 0.8443% | 6,384 |
| Net interest margin | 4.5306% | 1,168 |
| Noninterest income to average assets | 0.5067% | 4,118 |
| Noninterest expense to average assets | 3.4151% | 2,399 |
| Loan and lease loss provision to assets | 0.2941% | 4,448 |
| Net operating income to assets | 0.6615% | 3,386 |
| Return on assets (ROA) | 0.6615% | 3,529 |
| Pretax return on assets | 0.9897% | 2,964 |
| Return on Equity (ROE) | 7.3143% | 2,972 |
| Retained earnings to average equity (ytd only) | 3.5716% | 3,355 |
| Net charge-offs to loans | -0.0189% | 7,366 |
| Credit loss provision to net charge-offs | -2,375.0000% | 7,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3479% | 3,728 |
| Assets per employee ($millions) | 3.0501% | 5,999 |
| Cash dividends to net income (ytd only)* | 51.1700% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 6,515 |
| Loan loss allowance to noncurrent loans | 169.1964% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.4385% | 6,172 |
| Noncurrent loans to loans | 0.5701% | 5,916 |
| Net loans and leases to total assets | 63.7870% | 3,918 |
| Net loans and leases to deposits | 71.2453% | 4,645 |
| Net loans and leases to core deposits | 75.1744% | 4,833 |
| Total domestic deposits to total assets | 89.5314% | 1,368 |
| Equity capital to assets | 8.8490% | 5,362 |
| Core capital (leverage) ratio | 9.1625% | 4,241 |
| Tier 1 risk-based capital ratio | 13.2514% | 4,411 |
| Total risk-based capital ratio | 14.2346% | 4,581 |
| Memoranda: | ||
| Average total assets | $96,893,800 | 5,079 |
| Average earning assets | $89,657,800 | 5,029 |
| Average equity | $8,763,600 | 5,486 |
| Average total loans | $63,424,600 | 4,933 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4951% | 2,445 |
| Cost of funding earning assets | 0.8753% | 6,487 |
| Net interest margin | 4.6197% | 1,005 |
| Noninterest income to average assets | 0.5032% | 4,160 |
| Noninterest expense to average assets | 3.1266% | 3,206 |
| Loan and lease loss provision to assets | 0.3090% | 4,109 |
| Net operating income to assets | 0.8799% | 2,699 |
| Return on assets (ROA) | 0.8799% | 2,834 |
| Pretax return on assets | 1.3463% | 2,043 |
| Return on Equity (ROE) | 9.6579% | 2,263 |
| Retained earnings to average equity (ytd only) | 7.1385% | 1,781 |
| Net charge-offs to loans | -0.0156% | 7,322 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3846% | 4,979 |
| Assets per employee ($millions) | 2.7727% | 6,644 |
| Cash dividends to net income (ytd only)* | 26.0865% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 5,758 |
| Loan loss allowance to noncurrent loans | 153.1674% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 6,016 |
| Noncurrent loans to loans | 0.7445% | 5,717 |
| Net loans and leases to total assets | 64.1454% | 4,095 |
| Net loans and leases to deposits | 72.3123% | 4,791 |
| Net loans and leases to core deposits | 76.3864% | 5,009 |
| Total domestic deposits to total assets | 88.7060% | 1,559 |
| Equity capital to assets | 9.2579% | 5,215 |
| Core capital (leverage) ratio | 8.8171% | 4,974 |
| Tier 1 risk-based capital ratio | 14.1735% | 3,707 |
| Total risk-based capital ratio | 15.3444% | 3,738 |
| Memoranda: | ||
| Average total assets | $90,616,500 | 5,335 |
| Average earning assets | $83,927,500 | 5,278 |
| Average equity | $8,255,500 | 5,710 |
| Average total loans | $59,635,750 | 5,162 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4967% | 2,528 |
| Cost of funding earning assets | 0.9038% | 6,566 |
| Net interest margin | 4.5929% | 1,020 |
| Noninterest income to average assets | 0.4716% | 4,344 |
| Noninterest expense to average assets | 2.9782% | 3,794 |
| Loan and lease loss provision to assets | 0.1329% | 5,558 |
| Net operating income to assets | 1.0451% | 2,030 |
| Return on assets (ROA) | 1.0451% | 2,103 |
| Pretax return on assets | 1.6142% | 1,266 |
| Return on Equity (ROE) | 11.5352% | 1,587 |
| Retained earnings to average equity (ytd only) | 8.9935% | 1,109 |
| Net charge-offs to loans | -0.0201% | 7,286 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0272% | 5,512 |
| Assets per employee ($millions) | 3.0294% | 6,081 |
| Cash dividends to net income (ytd only)* | 22.0339% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 6,898 |
| Loan loss allowance to noncurrent loans | 79.3675% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 5,722 |
| Noncurrent loans to loans | 1.0736% | 5,169 |
| Net loans and leases to total assets | 65.2984% | 3,988 |
| Net loans and leases to deposits | 73.5059% | 4,753 |
| Net loans and leases to core deposits | 77.2729% | 5,053 |
| Total domestic deposits to total assets | 88.8342% | 1,531 |
| Equity capital to assets | 8.9563% | 5,511 |
| Core capital (leverage) ratio | 8.7100% | 5,059 |
| Tier 1 risk-based capital ratio | 13.5489% | 4,039 |
| Total risk-based capital ratio | 14.4283% | 4,258 |
| Memoranda: | ||
| Average total assets | $90,322,000 | 5,379 |
| Average earning assets | $83,650,000 | 5,309 |
| Average equity | $8,183,670 | 5,735 |
| Average total loans | $59,724,330 | 5,191 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5932% | 2,177 |
| Cost of funding earning assets | 0.9525% | 6,566 |
| Net interest margin | 4.6406% | 890 |
| Noninterest income to average assets | 0.4744% | 4,255 |
| Noninterest expense to average assets | 3.0364% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1160% | 1,777 |
| Return on assets (ROA) | 1.1160% | 1,860 |
| Pretax return on assets | 1.7305% | 1,000 |
| Return on Equity (ROE) | 12.2429% | 1,432 |
| Retained earnings to average equity (ytd only) | 9.6654% | 1,217 |
| Net charge-offs to loans | -0.0136% | 6,970 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6967% | 5,548 |
| Assets per employee ($millions) | 3.0044% | 6,205 |
| Cash dividends to net income (ytd only)* | 21.0526% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7759% | 7,183 |
| Loan loss allowance to noncurrent loans | 115.7895% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 6,359 |
| Noncurrent loans to loans | 0.6701% | 5,988 |
| Net loans and leases to total assets | 65.5505% | 3,974 |
| Net loans and leases to deposits | 74.1184% | 4,718 |
| Net loans and leases to core deposits | 79.8578% | 4,777 |
| Total domestic deposits to total assets | 88.4403% | 1,827 |
| Equity capital to assets | 9.0955% | 5,141 |
| Core capital (leverage) ratio | 8.9318% | 4,675 |
| Tier 1 risk-based capital ratio | 13.6968% | 3,869 |
| Total risk-based capital ratio | 14.4930% | 4,121 |
| Memoranda: | ||
| Average total assets | $88,527,000 | 5,495 |
| Average earning assets | $81,885,500 | 5,442 |
| Average equity | $8,070,000 | 5,822 |
| Average total loans | $58,661,500 | 5,308 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0234% | 1,776 |
| Cost of funding earning assets | 1.3398% | 6,175 |
| Net interest margin | 4.6836% | 862 |
| Noninterest income to average assets | 0.5447% | 4,068 |
| Noninterest expense to average assets | 3.1919% | 3,402 |
| Loan and lease loss provision to assets | 0.1177% | 6,468 |
| Net operating income to assets | 1.0248% | 1,765 |
| Return on assets (ROA) | 1.0248% | 1,807 |
| Pretax return on assets | 1.5660% | 1,036 |
| Return on Equity (ROE) | 11.5852% | 1,267 |
| Retained earnings to average equity (ytd only) | 8.8186% | 524 |
| Net charge-offs to loans | 0.1407% | 5,818 |
| Credit loss provision to net charge-offs | 123.4568% | 4,273 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,172 |
| Efficiency ratio | 64.8407% | 5,609 |
| Assets per employee ($millions) | 2.8039% | 6,650 |
| Cash dividends to net income (ytd only)* | 23.8806% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 7,137 |
| Loan loss allowance to noncurrent loans | 224.8780% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 6,880 |
| Noncurrent loans to loans | 0.3548% | 6,563 |
| Net loans and leases to total assets | 65.9419% | 4,161 |
| Net loans and leases to deposits | 74.6299% | 4,933 |
| Net loans and leases to core deposits | 94.2188% | 4,651 |
| Total domestic deposits to total assets | 88.3585% | 1,788 |
| Equity capital to assets | 9.1369% | 4,933 |
| Core capital (leverage) ratio | 9.2272% | 4,080 |
| Tier 1 risk-based capital ratio | 13.7003% | 3,684 |
| Total risk-based capital ratio | 14.5149% | 3,916 |
| Memoranda: | ||
| Average total assets | $84,995,600 | 5,561 |
| Average earning assets | $78,593,000 | 5,505 |
| Average equity | $7,518,200 | 6,080 |
| Average total loans | $57,570,200 | 5,359 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1065% | 1,628 |
| Cost of funding earning assets | 1.4188% | 6,153 |
| Net interest margin | 4.6877% | 848 |
| Noninterest income to average assets | 0.5443% | 4,126 |
| Noninterest expense to average assets | 3.1174% | 3,590 |
| Loan and lease loss provision to assets | 0.1578% | 5,775 |
| Net operating income to assets | 1.0586% | 1,866 |
| Return on assets (ROA) | 1.0586% | 1,931 |
| Pretax return on assets | 1.6060% | 1,162 |
| Return on Equity (ROE) | 12.0697% | 1,338 |
| Retained earnings to average equity (ytd only) | 9.2637% | 780 |
| Net charge-offs to loans | 0.0719% | 5,970 |
| Credit loss provision to net charge-offs | 322.5806% | 1,271 |
| Earnings coverage of net charge-offs (x) | 36.0665% | 807 |
| Efficiency ratio | 63.2191% | 5,886 |
| Assets per employee ($millions) | 2.6348% | 6,978 |
| Cash dividends to net income (ytd only)* | 23.2485% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 6,818 |
| Loan loss allowance to noncurrent loans | 243.3333% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 6,869 |
| Noncurrent loans to loans | 0.3642% | 6,621 |
| Net loans and leases to total assets | 69.9645% | 3,524 |
| Net loans and leases to deposits | 80.6739% | 4,257 |
| Net loans and leases to core deposits | 98.3665% | 4,567 |
| Total domestic deposits to total assets | 86.7250% | 2,313 |
| Equity capital to assets | 9.5115% | 4,736 |
| Core capital (leverage) ratio | 8.9546% | 4,718 |
| Tier 1 risk-based capital ratio | 13.7492% | 3,684 |
| Total risk-based capital ratio | 14.6741% | 3,843 |
| Memoranda: | ||
| Average total assets | $84,514,000 | 5,605 |
| Average earning assets | $78,188,250 | 5,552 |
| Average equity | $7,412,250 | 6,182 |
| Average total loans | $57,518,000 | 5,401 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0790% | 1,857 |
| Cost of funding earning assets | 1.4691% | 6,261 |
| Net interest margin | 4.6099% | 936 |
| Noninterest income to average assets | 0.5172% | 4,294 |
| Noninterest expense to average assets | 3.0658% | 3,824 |
| Loan and lease loss provision to assets | 0.1638% | 5,422 |
| Net operating income to assets | 1.0321% | 2,002 |
| Return on assets (ROA) | 1.0321% | 2,079 |
| Pretax return on assets | 1.5469% | 1,335 |
| Return on Equity (ROE) | 12.0932% | 1,386 |
| Retained earnings to average equity (ytd only) | 9.2413% | 880 |
| Net charge-offs to loans | 0.0905% | 5,280 |
| Credit loss provision to net charge-offs | 269.2308% | 1,733 |
| Earnings coverage of net charge-offs (x) | 28.1154% | 1,042 |
| Efficiency ratio | 63.5473% | 5,995 |
| Assets per employee ($millions) | 2.4228% | 7,393 |
| Cash dividends to net income (ytd only)* | 23.5828% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8285% | 7,056 |
| Loan loss allowance to noncurrent loans | 291.0180% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 7,030 |
| Noncurrent loans to loans | 0.2847% | 6,805 |
| Net loans and leases to total assets | 68.5987% | 4,047 |
| Net loans and leases to deposits | 82.6645% | 4,110 |
| Net loans and leases to core deposits | 103.0889% | 4,170 |
| Total domestic deposits to total assets | 82.9845% | 4,246 |
| Equity capital to assets | 8.8633% | 5,506 |
| Core capital (leverage) ratio | 8.5201% | 5,409 |
| Tier 1 risk-based capital ratio | 13.0406% | 4,120 |
| Total risk-based capital ratio | 13.8955% | 4,319 |
| Memoranda: | ||
| Average total assets | $85,458,670 | 5,601 |
| Average earning assets | $78,960,330 | 5,565 |
| Average equity | $7,293,330 | 6,268 |
| Average total loans | $57,471,330 | 5,451 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0727% | 2,059 |
| Cost of funding earning assets | 1.6419% | 5,851 |
| Net interest margin | 4.4307% | 1,273 |
| Noninterest income to average assets | 0.4803% | 4,506 |
| Noninterest expense to average assets | 2.8768% | 4,242 |
| Loan and lease loss provision to assets | 0.3264% | 3,366 |
| Net operating income to assets | 0.9558% | 2,492 |
| Return on assets (ROA) | 0.9558% | 2,621 |
| Pretax return on assets | 1.3662% | 2,064 |
| Return on Equity (ROE) | 11.4174% | 1,840 |
| Retained earnings to average equity (ytd only) | 8.5213% | 1,624 |
| Net charge-offs to loans | 0.0774% | 4,405 |
| Credit loss provision to net charge-offs | 636.3636% | 904 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 987 |
| Efficiency ratio | 62.2449% | 6,009 |
| Assets per employee ($millions) | 2.5820% | 7,127 |
| Cash dividends to net income (ytd only)* | 25.3659% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 6,840 |
| Loan loss allowance to noncurrent loans | 145.3488% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 6,284 |
| Noncurrent loans to loans | 0.6032% | 5,887 |
| Net loans and leases to total assets | 66.3467% | 4,500 |
| Net loans and leases to deposits | 84.0762% | 3,974 |
| Net loans and leases to core deposits | 103.2567% | 4,224 |
| Total domestic deposits to total assets | 78.9125% | 5,761 |
| Equity capital to assets | 8.6448% | 5,851 |
| Core capital (leverage) ratio | 8.4887% | 5,560 |
| Tier 1 risk-based capital ratio | 12.9093% | 4,241 |
| Total risk-based capital ratio | 13.8031% | 4,434 |
| Memoranda: | ||
| Average total assets | $85,788,500 | 5,613 |
| Average earning assets | $79,174,500 | 5,580 |
| Average equity | $7,182,000 | 6,341 |
| Average total loans | $56,878,500 | 5,506 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7647% | 1,804 |
| Cost of funding earning assets | 2.3577% | 4,900 |
| Net interest margin | 4.4070% | 1,669 |
| Noninterest income to average assets | 0.5216% | 4,454 |
| Noninterest expense to average assets | 2.7920% | 4,855 |
| Loan and lease loss provision to assets | 0.0356% | 6,960 |
| Net operating income to assets | 1.1239% | 2,052 |
| Return on assets (ROA) | 1.1239% | 1,968 |
| Pretax return on assets | 1.7605% | 1,022 |
| Return on Equity (ROE) | 14.2874% | 1,051 |
| Retained earnings to average equity (ytd only) | 11.1526% | 308 |
| Net charge-offs to loans | 0.0677% | 5,805 |
| Credit loss provision to net charge-offs | 81.0811% | 5,879 |
| Earnings coverage of net charge-offs (x) | 40.9459% | 902 |
| Efficiency ratio | 59.8450% | 6,375 |
| Assets per employee ($millions) | 2.9783% | 6,107 |
| Cash dividends to net income (ytd only)* | 21.9409% | 4,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7792% | 7,174 |
| Loan loss allowance to noncurrent loans | 387.7193% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 7,051 |
| Noncurrent loans to loans | 0.2010% | 6,783 |
| Net loans and leases to total assets | 65.1650% | 5,020 |
| Net loans and leases to deposits | 80.1741% | 5,017 |
| Net loans and leases to core deposits | 99.9556% | 4,826 |
| Total domestic deposits to total assets | 81.2794% | 4,523 |
| Equity capital to assets | 8.1024% | 6,693 |
| Core capital (leverage) ratio | 8.3923% | 5,782 |
| Tier 1 risk-based capital ratio | 12.5509% | 4,406 |
| Total risk-based capital ratio | 13.3362% | 4,635 |
| Memoranda: | ||
| Average total assets | $84,349,600 | 5,544 |
| Average earning assets | $77,830,400 | 5,514 |
| Average equity | $6,635,200 | 6,592 |
| Average total loans | $54,661,200 | 5,504 |