Home > The Citizens State Bank > Performance and Condition Ratios
The Citizens State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8058% | 3,418 |
| Cost of funding earning assets | 0.7242% | 4,215 |
| Net interest margin | 4.0816% | 1,073 |
| Noninterest income to average assets | 0.5300% | 1,792 |
| Noninterest expense to average assets | 2.5218% | 2,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.3936% | 1,078 |
| Return on assets (ROA) | 1.5565% | 824 |
| Pretax return on assets | 1.9100% | 693 |
| Return on Equity (ROE) | 14.3600% | 1,052 |
| Retained earnings to average equity (ytd only) | 7.9901% | 1,122 |
| Net charge-offs to loans | -0.0309% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 59.6073% | 3,211 |
| Assets per employee ($millions) | 4.9383% | 3,686 |
| Cash dividends to net income (ytd only)* | 44.3459% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 1,308 |
| Loan loss allowance to noncurrent loans | 1,074.1325% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 3,163 |
| Noncurrent loans to loans | 0.1302% | 3,001 |
| Net loans and leases to total assets | 55.2500% | 3,322 |
| Net loans and leases to deposits | 65.2131% | 3,269 |
| Net loans and leases to core deposits | 67.9103% | 3,445 |
| Total domestic deposits to total assets | 84.7300% | 2,606 |
| Equity capital to assets | 11.1439% | 1,527 |
| Core capital (leverage) ratio | 13.6160% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $434,618,600 | 1,948 |
| Average earning assets | $394,228,800 | 1,964 |
| Average equity | $47,121,000 | 1,782 |
| Average total loans | $230,014,200 | 2,193 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7864% | 3,411 |
| Cost of funding earning assets | 0.7040% | 4,257 |
| Net interest margin | 4.0824% | 1,038 |
| Noninterest income to average assets | 0.5400% | 1,719 |
| Noninterest expense to average assets | 2.6468% | 1,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.3055% | 1,301 |
| Return on assets (ROA) | 1.5142% | 920 |
| Pretax return on assets | 1.8612% | 794 |
| Return on Equity (ROE) | 14.0600% | 1,130 |
| Retained earnings to average equity (ytd only) | 7.6532% | 1,513 |
| Net charge-offs to loans | -0.0459% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 62.2735% | 2,891 |
| Assets per employee ($millions) | 5.1305% | 3,556 |
| Cash dividends to net income (ytd only)* | 45.5835% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 1,104 |
| Loan loss allowance to noncurrent loans | 1,895.5556% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 3,441 |
| Noncurrent loans to loans | 0.0782% | 3,296 |
| Net loans and leases to total assets | 52.6500% | 3,501 |
| Net loans and leases to deposits | 61.3138% | 3,514 |
| Net loans and leases to core deposits | 63.3062% | 3,672 |
| Total domestic deposits to total assets | 85.8700% | 1,980 |
| Equity capital to assets | 11.6964% | 1,392 |
| Core capital (leverage) ratio | 13.6456% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $434,630,750 | 1,942 |
| Average earning assets | $394,660,500 | 1,964 |
| Average equity | $46,794,250 | 1,789 |
| Average total loans | $226,636,500 | 2,191 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7036% | 3,470 |
| Cost of funding earning assets | 0.6929% | 4,257 |
| Net interest margin | 4.0107% | 1,097 |
| Noninterest income to average assets | 0.5400% | 1,684 |
| Noninterest expense to average assets | 2.6463% | 1,818 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2435% | 1,377 |
| Return on assets (ROA) | 1.5464% | 856 |
| Pretax return on assets | 1.9098% | 731 |
| Return on Equity (ROE) | 14.7800% | 1,013 |
| Retained earnings to average equity (ytd only) | 8.2036% | 1,315 |
| Net charge-offs to loans | -0.0692% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 63.2763% | 2,857 |
| Assets per employee ($millions) | 4.8533% | 3,713 |
| Cash dividends to net income (ytd only)* | 44.5104% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 1,189 |
| Loan loss allowance to noncurrent loans | 900.2639% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 3,045 |
| Noncurrent loans to loans | 0.1623% | 2,856 |
| Net loans and leases to total assets | 53.2800% | 3,457 |
| Net loans and leases to deposits | 61.1724% | 3,517 |
| Net loans and leases to core deposits | 62.0772% | 3,690 |
| Total domestic deposits to total assets | 87.1000% | 1,613 |
| Equity capital to assets | 10.6815% | 1,708 |
| Core capital (leverage) ratio | 13.4266% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $435,854,000 | 1,942 |
| Average earning assets | $395,441,667 | 1,959 |
| Average equity | $45,590,000 | 1,807 |
| Average total loans | $225,410,667 | 2,189 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 3,258 |
| Cost of funding earning assets | 0.6281% | 4,299 |
| Net interest margin | 4.1091% | 958 |
| Noninterest income to average assets | 0.4800% | 1,876 |
| Noninterest expense to average assets | 2.6386% | 1,852 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2492% | 1,327 |
| Return on assets (ROA) | 1.8794% | 523 |
| Pretax return on assets | 2.3736% | 386 |
| Return on Equity (ROE) | 18.1600% | 591 |
| Retained earnings to average equity (ytd only) | 11.5368% | 827 |
| Net charge-offs to loans | -0.1536% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.6057% | 2,964 |
| Assets per employee ($millions) | 4.9528% | 3,680 |
| Cash dividends to net income (ytd only)* | 36.4609% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 1,021 |
| Loan loss allowance to noncurrent loans | 450.4611% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 2,488 |
| Noncurrent loans to loans | 0.3374% | 2,115 |
| Net loans and leases to total assets | 50.8200% | 3,560 |
| Net loans and leases to deposits | 58.8012% | 3,584 |
| Net loans and leases to core deposits | 59.5062% | 3,785 |
| Total domestic deposits to total assets | 86.4300% | 1,955 |
| Equity capital to assets | 10.4801% | 1,735 |
| Core capital (leverage) ratio | 13.0707% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $437,809,000 | 1,937 |
| Average earning assets | $398,039,000 | 1,951 |
| Average equity | $45,316,000 | 1,797 |
| Average total loans | $221,336,500 | 2,206 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 3,146 |
| Cost of funding earning assets | 0.5066% | 4,187 |
| Net interest margin | 3.9606% | 1,266 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.2980% | 2,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4242% | 1,171 |
| Return on assets (ROA) | 1.5062% | 976 |
| Pretax return on assets | 1.8512% | 821 |
| Return on Equity (ROE) | 17.0900% | 936 |
| Retained earnings to average equity (ytd only) | 9.6457% | 1,107 |
| Net charge-offs to loans | 0.0065% | 2,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 571.6429% | 260 |
| Efficiency ratio | 56.7686% | 3,422 |
| Assets per employee ($millions) | 5.1172% | 3,551 |
| Cash dividends to net income (ytd only)* | 43.5540% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 977 |
| Loan loss allowance to noncurrent loans | 1,186.4769% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 3,144 |
| Noncurrent loans to loans | 0.1291% | 2,867 |
| Net loans and leases to total assets | 48.7200% | 3,683 |
| Net loans and leases to deposits | 55.7638% | 3,722 |
| Net loans and leases to core deposits | 56.4572% | 3,896 |
| Total domestic deposits to total assets | 87.3700% | 1,568 |
| Equity capital to assets | 10.1934% | 1,900 |
| Core capital (leverage) ratio | 12.7396% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $457,319,800 | 1,831 |
| Average earning assets | $416,277,200 | 1,850 |
| Average equity | $40,308,200 | 1,880 |
| Average total loans | $216,711,600 | 2,184 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 3,476 |
| Cost of funding earning assets | 0.4714% | 4,174 |
| Net interest margin | 3.7233% | 1,732 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.3603% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2005% | 1,800 |
| Return on assets (ROA) | 1.3049% | 1,521 |
| Pretax return on assets | 1.5868% | 1,387 |
| Return on Equity (ROE) | 15.3800% | 1,378 |
| Retained earnings to average equity (ytd only) | 7.7199% | 2,068 |
| Net charge-offs to loans | 0.0086% | 2,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 360.9286% | 395 |
| Efficiency ratio | 61.7921% | 2,749 |
| Assets per employee ($millions) | 5.0347% | 3,581 |
| Cash dividends to net income (ytd only)* | 49.8008% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 1,141 |
| Loan loss allowance to noncurrent loans | 132.2491% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 1,048 |
| Noncurrent loans to loans | 1.1254% | 700 |
| Net loans and leases to total assets | 48.7000% | 3,699 |
| Net loans and leases to deposits | 54.7418% | 3,766 |
| Net loans and leases to core deposits | 55.3881% | 3,886 |
| Total domestic deposits to total assets | 88.9700% | 1,264 |
| Equity capital to assets | 8.2388% | 2,891 |
| Core capital (leverage) ratio | 12.0303% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $461,630,000 | 1,821 |
| Average earning assets | $420,901,250 | 1,834 |
| Average equity | $39,170,500 | 1,900 |
| Average total loans | $216,455,000 | 2,183 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 5,302.0000% | 36 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14,842.0000% | 30 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.3146% | 1,514 |
| Pretax return on assets | 1.5980% | 1,419 |
| Return on Equity (ROE) | 15.3500% | 1,400 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0043% | 2,139 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 1,032 |
| Efficiency ratio | 0.9015% | 4,625 |
| Assets per employee ($millions) | 0.0145% | 4,626 |
| Cash dividends to net income (ytd only)* | 5.3256% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 464 |
| Noncurrent loans to loans | 0.0075% | 3,749 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0184% | 4,516 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 59,723.0000% | 9 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $4,771,000 | 4,630 |
| Average earning assets | $6,510 | 4,622 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0188% | 3,416 |
| Cost of funding earning assets | 0.3900% | 3,990 |
| Net interest margin | 3.6288% | 2,060 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.3577% | 2,646 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1181% | 2,171 |
| Return on assets (ROA) | 1.4077% | 1,361 |
| Pretax return on assets | 1.7176% | 1,239 |
| Return on Equity (ROE) | 16.8500% | 1,203 |
| Retained earnings to average equity (ytd only) | 9.2280% | 1,879 |
| Net charge-offs to loans | -0.0019% | 3,415 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.3440% | 2,532 |
| Assets per employee ($millions) | 5.1601% | 3,524 |
| Cash dividends to net income (ytd only)* | 45.2352% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 1,028 |
| Loan loss allowance to noncurrent loans | 136.6939% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 992 |
| Noncurrent loans to loans | 1.1636% | 604 |
| Net loans and leases to total assets | 44.1300% | 3,862 |
| Net loans and leases to deposits | 49.8207% | 3,896 |
| Net loans and leases to core deposits | 50.4178% | 3,978 |
| Total domestic deposits to total assets | 88.5700% | 1,712 |
| Equity capital to assets | 8.7414% | 2,703 |
| Core capital (leverage) ratio | 11.0344% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $471,127,500 | 1,814 |
| Average earning assets | $430,780,500 | 1,833 |
| Average equity | $39,358,500 | 1,925 |
| Average total loans | $210,971,000 | 2,233 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3530% | 3,466 |
| Cost of funding earning assets | 0.2814% | 3,027 |
| Net interest margin | 3.0716% | 3,254 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.1441% | 3,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9763% | 2,648 |
| Return on assets (ROA) | 1.0465% | 2,333 |
| Pretax return on assets | 1.2251% | 2,357 |
| Return on Equity (ROE) | 11.9800% | 2,145 |
| Retained earnings to average equity (ytd only) | 4.9614% | 3,071 |
| Net charge-offs to loans | 0.0029% | 2,392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 931.8333% | 188 |
| Efficiency ratio | 65.2366% | 2,329 |
| Assets per employee ($millions) | 5.1409% | 3,565 |
| Cash dividends to net income (ytd only)* | 58.5823% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 1,009 |
| Loan loss allowance to noncurrent loans | 136.2637% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 979 |
| Noncurrent loans to loans | 1.1623% | 606 |
| Net loans and leases to total assets | 43.9900% | 3,894 |
| Net loans and leases to deposits | 50.1008% | 3,891 |
| Net loans and leases to core deposits | 50.6735% | 3,953 |
| Total domestic deposits to total assets | 87.8000% | 2,142 |
| Equity capital to assets | 7.9503% | 3,090 |
| Core capital (leverage) ratio | 10.6960% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $489,333,000 | 1,747 |
| Average earning assets | $451,299,600 | 1,752 |
| Average equity | $42,749,600 | 1,834 |
| Average total loans | $210,011,200 | 2,165 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2292% | 3,363 |
| Cost of funding earning assets | 0.2488% | 2,723 |
| Net interest margin | 2.9804% | 3,271 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.1814% | 2,982 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8810% | 2,962 |
| Return on assets (ROA) | 0.9693% | 2,567 |
| Pretax return on assets | 1.1562% | 2,538 |
| Return on Equity (ROE) | 10.8600% | 2,439 |
| Retained earnings to average equity (ytd only) | 4.0481% | 3,428 |
| Net charge-offs to loans | 0.0032% | 2,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 778.0000% | 211 |
| Efficiency ratio | 67.4831% | 2,088 |
| Assets per employee ($millions) | 5.0003% | 3,673 |
| Cash dividends to net income (ytd only)* | 62.7265% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 1,097 |
| Loan loss allowance to noncurrent loans | 135.5322% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 1,063 |
| Noncurrent loans to loans | 1.1693% | 631 |
| Net loans and leases to total assets | 43.3200% | 3,918 |
| Net loans and leases to deposits | 48.7645% | 3,922 |
| Net loans and leases to core deposits | 49.1969% | 3,987 |
| Total domestic deposits to total assets | 88.8500% | 2,153 |
| Equity capital to assets | 7.0979% | 3,460 |
| Core capital (leverage) ratio | 10.3497% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $493,425,250 | 1,743 |
| Average earning assets | $456,571,750 | 1,748 |
| Average equity | $44,036,500 | 1,810 |
| Average total loans | $209,666,500 | 2,171 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0746% | 3,363 |
| Cost of funding earning assets | 0.2276% | 2,537 |
| Net interest margin | 2.8470% | 3,299 |
| Noninterest income to average assets | 0.4957% | 2,228 |
| Noninterest expense to average assets | 2.1696% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8038% | 2,944 |
| Return on assets (ROA) | 0.9215% | 2,452 |
| Pretax return on assets | 1.1111% | 2,365 |
| Return on Equity (ROE) | 9.6879% | 2,459 |
| Retained earnings to average equity (ytd only) | 3.3532% | 3,326 |
| Net charge-offs to loans | -0.0019% | 3,125 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1195% | 2,086 |
| Assets per employee ($millions) | 5.4109% | 3,318 |
| Cash dividends to net income (ytd only)* | 65.3880% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 1,229 |
| Loan loss allowance to noncurrent loans | 96.4368% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.6991% | 774 |
| Noncurrent loans to loans | 1.6234% | 445 |
| Net loans and leases to total assets | 42.3882% | 3,948 |
| Net loans and leases to deposits | 49.0218% | 3,862 |
| Net loans and leases to core deposits | 49.6666% | 3,952 |
| Total domestic deposits to total assets | 86.4680% | 3,122 |
| Equity capital to assets | 8.0597% | 3,076 |
| Core capital (leverage) ratio | 10.0504% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $497,891,000 | 1,731 |
| Average earning assets | $462,234,667 | 1,744 |
| Average equity | $47,358,000 | 1,749 |
| Average total loans | $209,115,000 | 2,175 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8989% | 3,539 |
| Cost of funding earning assets | 0.2164% | 2,572 |
| Net interest margin | 2.6825% | 3,444 |
| Noninterest income to average assets | 0.5141% | 2,076 |
| Noninterest expense to average assets | 2.2790% | 2,578 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6765% | 3,137 |
| Return on assets (ROA) | 0.6780% | 3,120 |
| Pretax return on assets | 0.7358% | 3,291 |
| Return on Equity (ROE) | 6.6227% | 3,149 |
| Retained earnings to average equity (ytd only) | 0.7376% | 3,871 |
| Net charge-offs to loans | -0.0019% | 3,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6332% | 1,570 |
| Assets per employee ($millions) | 5.3597% | 3,439 |
| Cash dividends to net income (ytd only)* | 88.8626% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 1,178 |
| Loan loss allowance to noncurrent loans | 79.7480% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8350% | 650 |
| Noncurrent loans to loans | 2.0554% | 349 |
| Net loans and leases to total assets | 39.9603% | 4,014 |
| Net loans and leases to deposits | 45.9178% | 3,977 |
| Net loans and leases to core deposits | 46.9250% | 4,033 |
| Total domestic deposits to total assets | 87.0258% | 2,917 |
| Equity capital to assets | 9.0783% | 2,646 |
| Core capital (leverage) ratio | 9.8784% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $497,937,000 | 1,738 |
| Average earning assets | $463,897,500 | 1,747 |
| Average equity | $50,976,500 | 1,712 |
| Average total loans | $206,490,500 | 2,185 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2641% | 3,313 |
| Cost of funding earning assets | 0.2302% | 3,131 |
| Net interest margin | 3.0340% | 3,094 |
| Noninterest income to average assets | 0.5058% | 2,538 |
| Noninterest expense to average assets | 2.2661% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8944% | 3,065 |
| Return on assets (ROA) | 1.0816% | 2,432 |
| Pretax return on assets | 1.2858% | 2,405 |
| Return on Equity (ROE) | 9.1503% | 2,857 |
| Retained earnings to average equity (ytd only) | -1.1638% | 4,587 |
| Net charge-offs to loans | -0.0009% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5578% | 2,047 |
| Assets per employee ($millions) | 5.2898% | 3,489 |
| Cash dividends to net income (ytd only)* | 112.7184% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 1,233 |
| Loan loss allowance to noncurrent loans | 79.1411% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8615% | 681 |
| Noncurrent loans to loans | 2.0346% | 388 |
| Net loans and leases to total assets | 41.6598% | 3,996 |
| Net loans and leases to deposits | 49.4838% | 3,919 |
| Net loans and leases to core deposits | 50.3846% | 3,998 |
| Total domestic deposits to total assets | 84.1887% | 3,514 |
| Equity capital to assets | 11.3704% | 1,569 |
| Core capital (leverage) ratio | 9.8278% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $492,132,000 | 1,717 |
| Average earning assets | $457,949,400 | 1,718 |
| Average equity | $58,173,200 | 1,551 |
| Average total loans | $214,736,800 | 2,138 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2832% | 3,434 |
| Cost of funding earning assets | 0.2323% | 3,297 |
| Net interest margin | 3.0509% | 3,179 |
| Noninterest income to average assets | 0.5082% | 2,587 |
| Noninterest expense to average assets | 2.3704% | 2,534 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8357% | 3,431 |
| Return on assets (ROA) | 0.9647% | 3,120 |
| Pretax return on assets | 1.1286% | 3,139 |
| Return on Equity (ROE) | 8.0839% | 3,375 |
| Retained earnings to average equity (ytd only) | 2.9761% | 3,918 |
| Net charge-offs to loans | -0.0018% | 3,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3059% | 1,568 |
| Assets per employee ($millions) | 5.3235% | 3,384 |
| Cash dividends to net income (ytd only)* | 63.1845% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5697% | 1,416 |
| Loan loss allowance to noncurrent loans | 338.5469% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 2,775 |
| Noncurrent loans to loans | 0.4637% | 2,167 |
| Net loans and leases to total assets | 42.9556% | 4,027 |
| Net loans and leases to deposits | 51.4827% | 3,920 |
| Net loans and leases to core deposits | 52.6954% | 4,002 |
| Total domestic deposits to total assets | 83.4370% | 3,597 |
| Equity capital to assets | 12.0345% | 1,386 |
| Core capital (leverage) ratio | 10.3497% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $492,177,000 | 1,734 |
| Average earning assets | $457,995,000 | 1,736 |
| Average equity | $58,732,250 | 1,560 |
| Average total loans | $216,346,000 | 2,161 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2037% | 3,674 |
| Cost of funding earning assets | 0.2367% | 3,410 |
| Net interest margin | 2.9669% | 3,403 |
| Noninterest income to average assets | 0.5388% | 2,452 |
| Noninterest expense to average assets | 2.4747% | 2,224 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7259% | 3,696 |
| Return on assets (ROA) | 0.9258% | 3,220 |
| Pretax return on assets | 1.0520% | 3,329 |
| Return on Equity (ROE) | 7.7801% | 3,462 |
| Retained earnings to average equity (ytd only) | 2.6661% | 3,952 |
| Net charge-offs to loans | -0.0009% | 3,079 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4867% | 1,208 |
| Assets per employee ($millions) | 5.3197% | 3,332 |
| Cash dividends to net income (ytd only)* | 65.7318% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 1,422 |
| Loan loss allowance to noncurrent loans | 310.1758% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 2,841 |
| Noncurrent loans to loans | 0.4998% | 2,180 |
| Net loans and leases to total assets | 43.0370% | 4,111 |
| Net loans and leases to deposits | 51.8968% | 4,003 |
| Net loans and leases to core deposits | 53.1483% | 4,074 |
| Total domestic deposits to total assets | 82.9281% | 3,722 |
| Equity capital to assets | 11.8649% | 1,430 |
| Core capital (leverage) ratio | 10.1808% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $492,980,667 | 1,731 |
| Average earning assets | $458,722,667 | 1,726 |
| Average equity | $58,662,667 | 1,554 |
| Average total loans | $217,215,667 | 2,163 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0870% | 3,911 |
| Cost of funding earning assets | 0.2444% | 3,524 |
| Net interest margin | 2.8426% | 3,657 |
| Noninterest income to average assets | 0.5316% | 2,472 |
| Noninterest expense to average assets | 2.5360% | 2,070 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5579% | 4,052 |
| Return on assets (ROA) | 0.9494% | 3,064 |
| Pretax return on assets | 1.0981% | 3,116 |
| Return on Equity (ROE) | 7.9666% | 3,333 |
| Retained earnings to average equity (ytd only) | 2.8511% | 3,825 |
| Net charge-offs to loans | -0.0018% | 3,123 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2380% | 874 |
| Assets per employee ($millions) | 5.3285% | 3,302 |
| Cash dividends to net income (ytd only)* | 64.2123% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 1,497 |
| Loan loss allowance to noncurrent loans | 255.9542% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 2,837 |
| Noncurrent loans to loans | 0.5986% | 2,073 |
| Net loans and leases to total assets | 43.0261% | 4,174 |
| Net loans and leases to deposits | 51.7360% | 4,059 |
| Net loans and leases to core deposits | 52.8841% | 4,148 |
| Total domestic deposits to total assets | 83.1647% | 3,651 |
| Equity capital to assets | 11.5296% | 1,524 |
| Core capital (leverage) ratio | 10.3278% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $492,106,000 | 1,723 |
| Average earning assets | $458,315,500 | 1,719 |
| Average equity | $58,644,500 | 1,546 |
| Average total loans | $217,688,500 | 2,156 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8344% | 3,203 |
| Cost of funding earning assets | 0.4387% | 3,354 |
| Net interest margin | 3.3957% | 2,795 |
| Noninterest income to average assets | 0.4943% | 2,656 |
| Noninterest expense to average assets | 2.2219% | 3,617 |
| Loan and lease loss provision to assets | 0.0692% | 3,516 |
| Net operating income to assets | 1.1067% | 1,904 |
| Return on assets (ROA) | 1.1860% | 1,706 |
| Pretax return on assets | 1.4414% | 1,535 |
| Return on Equity (ROE) | 9.7025% | 2,118 |
| Retained earnings to average equity (ytd only) | 4.3977% | 2,593 |
| Net charge-offs to loans | -0.0009% | 3,929 |
| Credit loss provision to net charge-offs | -16,000.0000% | 4,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5219% | 3,380 |
| Assets per employee ($millions) | 5.1975% | 3,162 |
| Cash dividends to net income (ytd only)* | 54.6747% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 1,437 |
| Loan loss allowance to noncurrent loans | 229.9040% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 2,620 |
| Noncurrent loans to loans | 0.6734% | 2,001 |
| Net loans and leases to total assets | 44.0999% | 4,239 |
| Net loans and leases to deposits | 55.6288% | 4,023 |
| Net loans and leases to core deposits | 57.0259% | 4,099 |
| Total domestic deposits to total assets | 79.2754% | 4,170 |
| Equity capital to assets | 12.2569% | 1,447 |
| Core capital (leverage) ratio | 10.1062% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $462,660,800 | 1,657 |
| Average earning assets | $428,043,600 | 1,669 |
| Average equity | $56,552,200 | 1,513 |
| Average total loans | $229,742,400 | 2,037 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9775% | 3,038 |
| Cost of funding earning assets | 0.4694% | 3,421 |
| Net interest margin | 3.5081% | 2,566 |
| Noninterest income to average assets | 0.4972% | 2,623 |
| Noninterest expense to average assets | 2.2689% | 3,502 |
| Loan and lease loss provision to assets | 0.0933% | 3,149 |
| Net operating income to assets | 1.1320% | 1,873 |
| Return on assets (ROA) | 1.1559% | 1,917 |
| Pretax return on assets | 1.4071% | 1,707 |
| Return on Equity (ROE) | 9.4631% | 2,217 |
| Retained earnings to average equity (ytd only) | 4.0945% | 2,999 |
| Net charge-offs to loans | -0.0011% | 3,826 |
| Credit loss provision to net charge-offs | -16,000.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0873% | 3,380 |
| Assets per employee ($millions) | 5.3004% | 2,893 |
| Cash dividends to net income (ytd only)* | 56.7322% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 1,535 |
| Loan loss allowance to noncurrent loans | 92.9820% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 1,426 |
| Noncurrent loans to loans | 1.5593% | 909 |
| Net loans and leases to total assets | 47.2378% | 4,258 |
| Net loans and leases to deposits | 59.7624% | 4,070 |
| Net loans and leases to core deposits | 62.2535% | 4,088 |
| Total domestic deposits to total assets | 79.0427% | 4,055 |
| Equity capital to assets | 12.1058% | 1,619 |
| Core capital (leverage) ratio | 10.0546% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $457,484,000 | 1,653 |
| Average earning assets | $422,897,500 | 1,664 |
| Average equity | $55,878,750 | 1,516 |
| Average total loans | $233,048,750 | 2,014 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0899% | 3,077 |
| Cost of funding earning assets | 0.5052% | 3,500 |
| Net interest margin | 3.5848% | 2,537 |
| Noninterest income to average assets | 0.4826% | 2,639 |
| Noninterest expense to average assets | 2.4056% | 3,251 |
| Loan and lease loss provision to assets | 0.1425% | 2,589 |
| Net operating income to assets | 0.9479% | 2,498 |
| Return on assets (ROA) | 0.9831% | 2,520 |
| Pretax return on assets | 1.2903% | 2,064 |
| Return on Equity (ROE) | 8.0230% | 2,738 |
| Retained earnings to average equity (ytd only) | 2.5726% | 3,559 |
| Net charge-offs to loans | 0.0043% | 2,827 |
| Credit loss provision to net charge-offs | 6,400.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 623.6000% | 165 |
| Efficiency ratio | 62.8330% | 2,982 |
| Assets per employee ($millions) | 5.1189% | 3,039 |
| Cash dividends to net income (ytd only)* | 67.9348% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 1,692 |
| Loan loss allowance to noncurrent loans | 117.5334% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 1,815 |
| Noncurrent loans to loans | 1.1651% | 1,347 |
| Net loans and leases to total assets | 50.6067% | 4,128 |
| Net loans and leases to deposits | 64.7470% | 3,828 |
| Net loans and leases to core deposits | 68.1438% | 3,857 |
| Total domestic deposits to total assets | 78.1608% | 4,169 |
| Equity capital to assets | 12.0113% | 1,652 |
| Core capital (leverage) ratio | 10.2342% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $449,201,333 | 1,660 |
| Average earning assets | $414,924,000 | 1,665 |
| Average equity | $55,041,667 | 1,526 |
| Average total loans | $233,666,667 | 1,990 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3446% | 2,786 |
| Cost of funding earning assets | 0.5724% | 3,580 |
| Net interest margin | 3.7722% | 2,079 |
| Noninterest income to average assets | 0.5012% | 2,543 |
| Noninterest expense to average assets | 2.2599% | 3,858 |
| Loan and lease loss provision to assets | 0.0184% | 3,562 |
| Net operating income to assets | 1.3952% | 995 |
| Return on assets (ROA) | 1.3952% | 1,072 |
| Pretax return on assets | 1.6890% | 871 |
| Return on Equity (ROE) | 11.2651% | 1,340 |
| Retained earnings to average equity (ytd only) | 5.7067% | 1,991 |
| Net charge-offs to loans | -0.0053% | 3,884 |
| Credit loss provision to net charge-offs | -666.6667% | 3,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3859% | 4,174 |
| Assets per employee ($millions) | 4.8048% | 2,869 |
| Cash dividends to net income (ytd only)* | 49.3421% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 1,929 |
| Loan loss allowance to noncurrent loans | 134.7903% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5889% | 2,236 |
| Noncurrent loans to loans | 0.9987% | 1,657 |
| Net loans and leases to total assets | 50.6128% | 4,207 |
| Net loans and leases to deposits | 64.1146% | 3,980 |
| Net loans and leases to core deposits | 68.2646% | 3,974 |
| Total domestic deposits to total assets | 78.9412% | 4,062 |
| Equity capital to assets | 12.2524% | 1,885 |
| Core capital (leverage) ratio | 10.9762% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $435,771,500 | 1,663 |
| Average earning assets | $400,405,500 | 1,672 |
| Average equity | $53,972,000 | 1,544 |
| Average total loans | $228,368,000 | 1,997 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 3,681 |
| Cost of funding earning assets | 0.6839% | 3,238 |
| Net interest margin | 3.5656% | 3,244 |
| Noninterest income to average assets | 0.5559% | 2,441 |
| Noninterest expense to average assets | 2.4697% | 3,525 |
| Loan and lease loss provision to assets | 0.0906% | 2,213 |
| Net operating income to assets | 1.0344% | 2,717 |
| Return on assets (ROA) | 1.6832% | 732 |
| Pretax return on assets | 2.1043% | 475 |
| Return on Equity (ROE) | 14.6737% | 757 |
| Retained earnings to average equity (ytd only) | 8.5985% | 810 |
| Net charge-offs to loans | 0.1602% | 1,256 |
| Credit loss provision to net charge-offs | 103.1746% | 2,407 |
| Earnings coverage of net charge-offs (x) | 15.7619% | 2,212 |
| Efficiency ratio | 63.4599% | 3,152 |
| Assets per employee ($millions) | 4.4745% | 3,266 |
| Cash dividends to net income (ytd only)* | 41.4022% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 1,845 |
| Loan loss allowance to noncurrent loans | 125.8306% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 2,008 |
| Noncurrent loans to loans | 1.0472% | 1,446 |
| Net loans and leases to total assets | 52.8275% | 4,164 |
| Net loans and leases to deposits | 67.1242% | 3,889 |
| Net loans and leases to core deposits | 72.2734% | 3,840 |
| Total domestic deposits to total assets | 78.7011% | 4,243 |
| Equity capital to assets | 12.4513% | 1,847 |
| Core capital (leverage) ratio | 10.8568% | 2,632 |
| Tier 1 risk-based capital ratio | 12.8690% | 3,861 |
| Total risk-based capital ratio | 13.7576% | 3,948 |
| Memoranda: | ||
| Average total assets | $430,491,000 | 1,626 |
| Average earning assets | $398,170,200 | 1,639 |
| Average equity | $49,380,800 | 1,620 |
| Average total loans | $235,962,000 | 1,917 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 3,763 |
| Cost of funding earning assets | 0.7042% | 3,200 |
| Net interest margin | 3.5608% | 3,369 |
| Noninterest income to average assets | 0.5417% | 2,503 |
| Noninterest expense to average assets | 2.4581% | 3,545 |
| Loan and lease loss provision to assets | 0.1022% | 1,879 |
| Net operating income to assets | 1.0685% | 2,695 |
| Return on assets (ROA) | 1.0744% | 2,758 |
| Pretax return on assets | 1.2911% | 2,697 |
| Return on Equity (ROE) | 9.5707% | 2,636 |
| Retained earnings to average equity (ytd only) | 3.3667% | 3,716 |
| Net charge-offs to loans | 0.2122% | 832 |
| Credit loss provision to net charge-offs | 87.3016% | 2,423 |
| Earnings coverage of net charge-offs (x) | 11.8465% | 2,411 |
| Efficiency ratio | 63.3143% | 3,109 |
| Assets per employee ($millions) | 4.4797% | 3,243 |
| Cash dividends to net income (ytd only)* | 64.8230% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,148 |
| Loan loss allowance to noncurrent loans | 70.7143% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.0452% | 1,273 |
| Noncurrent loans to loans | 1.7879% | 800 |
| Net loans and leases to total assets | 53.9328% | 4,186 |
| Net loans and leases to deposits | 68.2075% | 3,904 |
| Net loans and leases to core deposits | 73.7525% | 3,844 |
| Total domestic deposits to total assets | 79.0716% | 4,176 |
| Equity capital to assets | 11.7817% | 2,429 |
| Core capital (leverage) ratio | 9.9613% | 3,677 |
| Tier 1 risk-based capital ratio | 12.3543% | 4,223 |
| Total risk-based capital ratio | 13.2481% | 4,307 |
| Memoranda: | ||
| Average total assets | $430,725,500 | 1,636 |
| Average earning assets | $399,492,250 | 1,631 |
| Average equity | $48,354,750 | 1,647 |
| Average total loans | $237,464,500 | 1,914 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 3,866 |
| Cost of funding earning assets | 0.6848% | 3,251 |
| Net interest margin | 3.5385% | 3,477 |
| Noninterest income to average assets | 0.5318% | 2,490 |
| Noninterest expense to average assets | 2.5223% | 3,408 |
| Loan and lease loss provision to assets | 0.0557% | 2,712 |
| Net operating income to assets | 1.0425% | 2,759 |
| Return on assets (ROA) | 1.0335% | 2,870 |
| Pretax return on assets | 1.2261% | 2,825 |
| Return on Equity (ROE) | 9.3603% | 2,700 |
| Retained earnings to average equity (ytd only) | 3.0556% | 3,693 |
| Net charge-offs to loans | 0.1569% | 1,004 |
| Credit loss provision to net charge-offs | 64.1711% | 2,371 |
| Earnings coverage of net charge-offs (x) | 14.8930% | 2,012 |
| Efficiency ratio | 65.4866% | 2,892 |
| Assets per employee ($millions) | 4.4300% | 3,244 |
| Cash dividends to net income (ytd only)* | 67.3552% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,333 |
| Loan loss allowance to noncurrent loans | 222.0467% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 3,237 |
| Noncurrent loans to loans | 0.5561% | 2,602 |
| Net loans and leases to total assets | 53.8217% | 4,222 |
| Net loans and leases to deposits | 69.1846% | 3,904 |
| Net loans and leases to core deposits | 74.9963% | 3,819 |
| Total domestic deposits to total assets | 77.7944% | 4,437 |
| Equity capital to assets | 11.2898% | 2,788 |
| Core capital (leverage) ratio | 10.0328% | 3,551 |
| Tier 1 risk-based capital ratio | 12.3125% | 4,235 |
| Total risk-based capital ratio | 13.2066% | 4,329 |
| Memoranda: | ||
| Average total assets | $430,951,330 | 1,633 |
| Average earning assets | $399,831,000 | 1,632 |
| Average equity | $47,584,000 | 1,661 |
| Average total loans | $238,317,000 | 1,919 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 3,742 |
| Cost of funding earning assets | 0.6673% | 3,221 |
| Net interest margin | 3.5739% | 3,352 |
| Noninterest income to average assets | 0.4795% | 2,681 |
| Noninterest expense to average assets | 2.3777% | 3,826 |
| Loan and lease loss provision to assets | 0.0562% | 2,545 |
| Net operating income to assets | 1.1290% | 2,355 |
| Return on assets (ROA) | 1.1228% | 2,428 |
| Pretax return on assets | 1.3485% | 2,264 |
| Return on Equity (ROE) | 10.2877% | 2,247 |
| Retained earnings to average equity (ytd only) | 3.8525% | 3,378 |
| Net charge-offs to loans | 0.3160% | 475 |
| Credit loss provision to net charge-offs | 31.9149% | 2,080 |
| Earnings coverage of net charge-offs (x) | 8.0213% | 2,103 |
| Efficiency ratio | 62.0954% | 3,521 |
| Assets per employee ($millions) | 4.3301% | 3,451 |
| Cash dividends to net income (ytd only)* | 62.5521% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,528 |
| Loan loss allowance to noncurrent loans | 225.7813% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 3,316 |
| Noncurrent loans to loans | 0.5354% | 2,705 |
| Net loans and leases to total assets | 55.0941% | 4,129 |
| Net loans and leases to deposits | 69.5306% | 3,800 |
| Net loans and leases to core deposits | 75.1205% | 3,727 |
| Total domestic deposits to total assets | 79.2372% | 4,310 |
| Equity capital to assets | 11.1153% | 2,733 |
| Core capital (leverage) ratio | 10.0753% | 3,518 |
| Tier 1 risk-based capital ratio | 10.7561% | 5,086 |
| Total risk-based capital ratio | 11.5256% | 5,168 |
| Memoranda: | ||
| Average total assets | $427,140,000 | 1,650 |
| Average earning assets | $395,649,000 | 1,656 |
| Average equity | $46,619,000 | 1,681 |
| Average total loans | $237,976,000 | 1,932 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 4,143 |
| Cost of funding earning assets | 0.5421% | 3,099 |
| Net interest margin | 3.4162% | 3,957 |
| Noninterest income to average assets | 0.4919% | 2,874 |
| Noninterest expense to average assets | 2.3977% | 3,886 |
| Loan and lease loss provision to assets | 0.0553% | 3,063 |
| Net operating income to assets | 1.0135% | 2,952 |
| Return on assets (ROA) | 1.0069% | 2,963 |
| Pretax return on assets | 1.1995% | 2,881 |
| Return on Equity (ROE) | 9.4993% | 2,745 |
| Retained earnings to average equity (ytd only) | -2.1650% | 5,133 |
| Net charge-offs to loans | 0.0013% | 3,720 |
| Credit loss provision to net charge-offs | 8,000.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 1,826.6667% | 57 |
| Efficiency ratio | 64.8118% | 3,064 |
| Assets per employee ($millions) | 4.3004% | 3,461 |
| Cash dividends to net income (ytd only)* | 122.7918% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 2,175 |
| Loan loss allowance to noncurrent loans | 203.6437% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 3,072 |
| Noncurrent loans to loans | 0.6256% | 2,417 |
| Net loans and leases to total assets | 54.9314% | 4,216 |
| Net loans and leases to deposits | 71.1676% | 3,734 |
| Net loans and leases to core deposits | 76.9759% | 3,644 |
| Total domestic deposits to total assets | 77.1859% | 4,605 |
| Equity capital to assets | 10.6696% | 3,017 |
| Core capital (leverage) ratio | 10.0455% | 3,528 |
| Tier 1 risk-based capital ratio | 12.0410% | 4,403 |
| Total risk-based capital ratio | 12.9500% | 4,500 |
| Memoranda: | ||
| Average total assets | $434,003,200 | 1,583 |
| Average earning assets | $402,522,600 | 1,579 |
| Average equity | $46,003,600 | 1,631 |
| Average total loans | $228,548,400 | 1,957 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 4,173 |
| Cost of funding earning assets | 0.5131% | 3,110 |
| Net interest margin | 3.4040% | 3,997 |
| Noninterest income to average assets | 0.4803% | 2,979 |
| Noninterest expense to average assets | 2.3895% | 3,877 |
| Loan and lease loss provision to assets | 0.0550% | 2,873 |
| Net operating income to assets | 1.0026% | 3,069 |
| Return on assets (ROA) | 1.0026% | 3,085 |
| Pretax return on assets | 1.1943% | 3,005 |
| Return on Equity (ROE) | 9.4736% | 2,865 |
| Retained earnings to average equity (ytd only) | -3.8628% | 5,278 |
| Net charge-offs to loans | -0.0006% | 3,995 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9777% | 3,037 |
| Assets per employee ($millions) | 4.3075% | 3,413 |
| Cash dividends to net income (ytd only)* | 140.7746% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 2,315 |
| Loan loss allowance to noncurrent loans | 124.0369% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5600% | 2,514 |
| Noncurrent loans to loans | 1.0147% | 1,691 |
| Net loans and leases to total assets | 54.4906% | 4,332 |
| Net loans and leases to deposits | 71.3327% | 3,822 |
| Net loans and leases to core deposits | 76.3152% | 3,781 |
| Total domestic deposits to total assets | 76.3894% | 4,744 |
| Equity capital to assets | 10.3513% | 3,280 |
| Core capital (leverage) ratio | 9.7484% | 3,902 |
| Tier 1 risk-based capital ratio | 11.5706% | 4,752 |
| Total risk-based capital ratio | 12.4340% | 4,857 |
| Memoranda: | ||
| Average total assets | $436,068,500 | 1,582 |
| Average earning assets | $404,615,500 | 1,582 |
| Average equity | $46,148,250 | 1,625 |
| Average total loans | $226,464,500 | 1,984 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 4,334 |
| Cost of funding earning assets | 0.4778% | 3,172 |
| Net interest margin | 3.3292% | 4,164 |
| Noninterest income to average assets | 0.4858% | 2,942 |
| Noninterest expense to average assets | 2.3794% | 3,950 |
| Loan and lease loss provision to assets | 0.0546% | 2,813 |
| Net operating income to assets | 0.9579% | 3,200 |
| Return on assets (ROA) | 0.9579% | 3,206 |
| Pretax return on assets | 1.1414% | 3,163 |
| Return on Equity (ROE) | 8.9882% | 3,025 |
| Retained earnings to average equity (ytd only) | 2.5803% | 4,224 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8474% | 3,011 |
| Assets per employee ($millions) | 4.4261% | 3,240 |
| Cash dividends to net income (ytd only)* | 71.2928% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 2,279 |
| Loan loss allowance to noncurrent loans | 158.1788% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 2,978 |
| Noncurrent loans to loans | 0.8081% | 2,109 |
| Net loans and leases to total assets | 51.6545% | 4,496 |
| Net loans and leases to deposits | 67.4940% | 4,055 |
| Net loans and leases to core deposits | 71.1981% | 4,068 |
| Total domestic deposits to total assets | 76.5320% | 4,798 |
| Equity capital to assets | 10.7575% | 2,883 |
| Core capital (leverage) ratio | 10.1434% | 3,431 |
| Tier 1 risk-based capital ratio | 12.4603% | 4,210 |
| Total risk-based capital ratio | 13.3296% | 4,325 |
| Memoranda: | ||
| Average total assets | $439,278,330 | 1,586 |
| Average earning assets | $407,664,000 | 1,579 |
| Average equity | $46,817,000 | 1,608 |
| Average total loans | $223,509,000 | 1,998 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 4,259 |
| Cost of funding earning assets | 0.4561% | 3,158 |
| Net interest margin | 3.3301% | 4,104 |
| Noninterest income to average assets | 0.4597% | 3,057 |
| Noninterest expense to average assets | 2.2442% | 4,315 |
| Loan and lease loss provision to assets | 0.0543% | 2,682 |
| Net operating income to assets | 1.0497% | 2,651 |
| Return on assets (ROA) | 1.0497% | 2,663 |
| Pretax return on assets | 1.2533% | 2,541 |
| Return on Equity (ROE) | 9.8946% | 2,492 |
| Retained earnings to average equity (ytd only) | 3.4972% | 3,804 |
| Net charge-offs to loans | -0.0036% | 3,910 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4204% | 3,713 |
| Assets per employee ($millions) | 4.5172% | 3,124 |
| Cash dividends to net income (ytd only)* | 64.6552% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,373 |
| Loan loss allowance to noncurrent loans | 143.3686% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 3,000 |
| Noncurrent loans to loans | 0.8888% | 2,049 |
| Net loans and leases to total assets | 49.7581% | 4,577 |
| Net loans and leases to deposits | 64.8990% | 4,159 |
| Net loans and leases to core deposits | 69.0128% | 4,148 |
| Total domestic deposits to total assets | 76.6700% | 4,901 |
| Equity capital to assets | 10.5210% | 3,055 |
| Core capital (leverage) ratio | 9.8678% | 3,691 |
| Tier 1 risk-based capital ratio | 12.5449% | 4,213 |
| Total risk-based capital ratio | 13.4057% | 4,356 |
| Memoranda: | ||
| Average total assets | $442,037,000 | 1,587 |
| Average earning assets | $410,434,500 | 1,582 |
| Average equity | $46,894,500 | 1,613 |
| Average total loans | $221,784,500 | 2,023 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7676% | 4,159 |
| Cost of funding earning assets | 0.3999% | 3,256 |
| Net interest margin | 3.3677% | 3,941 |
| Noninterest income to average assets | 0.4973% | 3,019 |
| Noninterest expense to average assets | 2.2739% | 4,402 |
| Loan and lease loss provision to assets | 0.0090% | 4,090 |
| Net operating income to assets | 1.0187% | 2,162 |
| Return on assets (ROA) | 1.0055% | 2,258 |
| Pretax return on assets | 1.3267% | 2,261 |
| Return on Equity (ROE) | 9.5753% | 2,065 |
| Retained earnings to average equity (ytd only) | 2.4200% | 3,883 |
| Net charge-offs to loans | 0.0145% | 3,602 |
| Credit loss provision to net charge-offs | 125.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | 188.5000% | 416 |
| Efficiency ratio | 61.9790% | 3,942 |
| Assets per employee ($millions) | 4.4125% | 3,333 |
| Cash dividends to net income (ytd only)* | 74.7267% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 2,420 |
| Loan loss allowance to noncurrent loans | 591.7021% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 4,535 |
| Noncurrent loans to loans | 0.2132% | 4,061 |
| Net loans and leases to total assets | 49.3313% | 4,684 |
| Net loans and leases to deposits | 64.5545% | 4,288 |
| Net loans and leases to core deposits | 68.6428% | 4,253 |
| Total domestic deposits to total assets | 76.4181% | 4,929 |
| Equity capital to assets | 10.6804% | 2,957 |
| Core capital (leverage) ratio | 9.5733% | 3,943 |
| Tier 1 risk-based capital ratio | 12.5966% | 4,148 |
| Total risk-based capital ratio | 13.4493% | 4,291 |
| Memoranda: | ||
| Average total assets | $445,834,400 | 1,559 |
| Average earning assets | $414,320,600 | 1,550 |
| Average equity | $46,818,200 | 1,609 |
| Average total loans | $220,745,600 | 1,995 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 4,150 |
| Cost of funding earning assets | 0.3884% | 3,304 |
| Net interest margin | 3.3694% | 3,953 |
| Noninterest income to average assets | 0.4838% | 3,126 |
| Noninterest expense to average assets | 2.2968% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9997% | 2,558 |
| Return on assets (ROA) | 1.0154% | 2,530 |
| Pretax return on assets | 1.3411% | 2,324 |
| Return on Equity (ROE) | 9.7100% | 2,252 |
| Retained earnings to average equity (ytd only) | 2.2934% | 4,494 |
| Net charge-offs to loans | 0.0181% | 3,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 147.5630% | 546 |
| Efficiency ratio | 62.7773% | 3,761 |
| Assets per employee ($millions) | 4.5102% | 3,116 |
| Cash dividends to net income (ytd only)* | 76.3808% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,809 |
| Loan loss allowance to noncurrent loans | 202.1371% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 3,851 |
| Noncurrent loans to loans | 0.6034% | 2,898 |
| Net loans and leases to total assets | 49.7514% | 4,714 |
| Net loans and leases to deposits | 65.1091% | 4,312 |
| Net loans and leases to core deposits | 69.2457% | 4,287 |
| Total domestic deposits to total assets | 76.4124% | 4,969 |
| Equity capital to assets | 10.6524% | 3,211 |
| Core capital (leverage) ratio | 9.4694% | 4,205 |
| Tier 1 risk-based capital ratio | 12.2661% | 4,459 |
| Total risk-based capital ratio | 13.0903% | 4,609 |
| Memoranda: | ||
| Average total assets | $446,980,750 | 1,562 |
| Average earning assets | $415,692,500 | 1,559 |
| Average equity | $46,741,000 | 1,623 |
| Average total loans | $220,818,250 | 2,000 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6894% | 4,258 |
| Cost of funding earning assets | 0.3707% | 3,376 |
| Net interest margin | 3.3186% | 4,055 |
| Noninterest income to average assets | 0.4867% | 3,106 |
| Noninterest expense to average assets | 2.3187% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9468% | 2,679 |
| Return on assets (ROA) | 0.9661% | 2,635 |
| Pretax return on assets | 1.2766% | 2,474 |
| Return on Equity (ROE) | 9.2970% | 2,365 |
| Retained earnings to average equity (ytd only) | 1.3343% | 4,719 |
| Net charge-offs to loans | 0.0228% | 2,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 111.8800% | 606 |
| Efficiency ratio | 64.2275% | 3,630 |
| Assets per employee ($millions) | 4.5781% | 2,976 |
| Cash dividends to net income (ytd only)* | 85.6481% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 2,676 |
| Loan loss allowance to noncurrent loans | 314.7766% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 4,417 |
| Noncurrent loans to loans | 0.3976% | 3,603 |
| Net loans and leases to total assets | 47.3549% | 4,863 |
| Net loans and leases to deposits | 61.4360% | 4,536 |
| Net loans and leases to core deposits | 65.2789% | 4,522 |
| Total domestic deposits to total assets | 77.0801% | 4,944 |
| Equity capital to assets | 10.3072% | 3,564 |
| Core capital (leverage) ratio | 9.2769% | 4,389 |
| Tier 1 risk-based capital ratio | 12.3389% | 4,393 |
| Total risk-based capital ratio | 13.1774% | 4,579 |
| Memoranda: | ||
| Average total assets | $447,137,670 | 1,571 |
| Average earning assets | $415,410,330 | 1,562 |
| Average equity | $46,466,670 | 1,627 |
| Average total loans | $219,461,670 | 2,014 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 3,976 |
| Cost of funding earning assets | 0.3499% | 3,534 |
| Net interest margin | 3.3894% | 3,684 |
| Noninterest income to average assets | 0.4590% | 3,262 |
| Noninterest expense to average assets | 2.2191% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0371% | 2,135 |
| Return on assets (ROA) | 1.0493% | 2,120 |
| Pretax return on assets | 1.4052% | 1,877 |
| Return on Equity (ROE) | 10.0550% | 1,944 |
| Retained earnings to average equity (ytd only) | 5.7172% | 2,485 |
| Net charge-offs to loans | -0.0547% | 5,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7779% | 4,348 |
| Assets per employee ($millions) | 4.5815% | 3,033 |
| Cash dividends to net income (ytd only)* | 43.1406% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,591 |
| Loan loss allowance to noncurrent loans | 421.5038% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 4,666 |
| Noncurrent loans to loans | 0.3059% | 4,025 |
| Net loans and leases to total assets | 47.8004% | 4,841 |
| Net loans and leases to deposits | 61.9822% | 4,434 |
| Net loans and leases to core deposits | 65.8771% | 4,433 |
| Total domestic deposits to total assets | 77.1196% | 5,100 |
| Equity capital to assets | 10.3961% | 3,294 |
| Core capital (leverage) ratio | 9.5676% | 4,038 |
| Tier 1 risk-based capital ratio | 12.5521% | 4,357 |
| Total risk-based capital ratio | 13.4127% | 4,505 |
| Memoranda: | ||
| Average total assets | $441,803,000 | 1,600 |
| Average earning assets | $410,455,500 | 1,589 |
| Average equity | $46,106,500 | 1,641 |
| Average total loans | $219,421,500 | 2,030 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 4,227 |
| Cost of funding earning assets | 0.3367% | 3,671 |
| Net interest margin | 3.3563% | 3,976 |
| Noninterest income to average assets | 0.4995% | 3,242 |
| Noninterest expense to average assets | 2.3509% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9560% | 2,551 |
| Return on assets (ROA) | 0.9616% | 2,637 |
| Pretax return on assets | 1.2696% | 2,403 |
| Return on Equity (ROE) | 8.2906% | 2,790 |
| Retained earnings to average equity (ytd only) | -7.5501% | 5,745 |
| Net charge-offs to loans | -0.0345% | 5,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2830% | 3,887 |
| Assets per employee ($millions) | 4.3886% | 3,297 |
| Cash dividends to net income (ytd only)* | 191.0676% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,798 |
| Loan loss allowance to noncurrent loans | 148.9259% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 3,556 |
| Noncurrent loans to loans | 0.8409% | 2,421 |
| Net loans and leases to total assets | 50.3256% | 4,743 |
| Net loans and leases to deposits | 65.5025% | 4,290 |
| Net loans and leases to core deposits | 69.7266% | 4,265 |
| Total domestic deposits to total assets | 76.8300% | 5,142 |
| Equity capital to assets | 10.4516% | 3,208 |
| Core capital (leverage) ratio | 9.4216% | 4,200 |
| Tier 1 risk-based capital ratio | 12.1866% | 4,592 |
| Total risk-based capital ratio | 13.0253% | 4,776 |
| Memoranda: | ||
| Average total assets | $435,413,600 | 1,559 |
| Average earning assets | $403,927,800 | 1,551 |
| Average equity | $50,502,800 | 1,503 |
| Average total loans | $226,082,000 | 1,937 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 4,171 |
| Cost of funding earning assets | 0.3340% | 3,731 |
| Net interest margin | 3.3901% | 3,884 |
| Noninterest income to average assets | 0.4995% | 3,251 |
| Noninterest expense to average assets | 2.4276% | 4,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9287% | 2,759 |
| Return on assets (ROA) | 0.9359% | 2,849 |
| Pretax return on assets | 1.2282% | 2,715 |
| Return on Equity (ROE) | 7.8747% | 3,072 |
| Retained earnings to average equity (ytd only) | 4.0120% | 3,446 |
| Net charge-offs to loans | -0.0505% | 5,372 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7798% | 3,627 |
| Assets per employee ($millions) | 4.3221% | 3,379 |
| Cash dividends to net income (ytd only)* | 49.0517% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 3,034 |
| Loan loss allowance to noncurrent loans | 141.5267% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 3,577 |
| Noncurrent loans to loans | 0.8728% | 2,510 |
| Net loans and leases to total assets | 50.9343% | 4,741 |
| Net loans and leases to deposits | 67.2980% | 4,222 |
| Net loans and leases to core deposits | 71.5577% | 4,193 |
| Total domestic deposits to total assets | 75.6847% | 5,266 |
| Equity capital to assets | 12.1105% | 2,033 |
| Core capital (leverage) ratio | 10.8184% | 2,663 |
| Tier 1 risk-based capital ratio | 13.7508% | 3,703 |
| Total risk-based capital ratio | 14.5891% | 3,872 |
| Memoranda: | ||
| Average total assets | $435,649,250 | 1,554 |
| Average earning assets | $404,380,750 | 1,550 |
| Average equity | $51,776,250 | 1,486 |
| Average total loans | $227,246,750 | 1,926 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 4,085 |
| Cost of funding earning assets | 0.3395% | 3,693 |
| Net interest margin | 3.4223% | 3,791 |
| Noninterest income to average assets | 0.4571% | 3,476 |
| Noninterest expense to average assets | 2.3365% | 4,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9616% | 2,565 |
| Return on assets (ROA) | 0.9519% | 2,761 |
| Pretax return on assets | 1.2569% | 2,579 |
| Return on Equity (ROE) | 8.0602% | 2,951 |
| Retained earnings to average equity (ytd only) | 4.1702% | 3,252 |
| Net charge-offs to loans | -0.0834% | 5,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9873% | 4,014 |
| Assets per employee ($millions) | 4.3595% | 3,284 |
| Cash dividends to net income (ytd only)* | 48.2625% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 3,169 |
| Loan loss allowance to noncurrent loans | 331.7479% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 4,678 |
| Noncurrent loans to loans | 0.3716% | 4,032 |
| Net loans and leases to total assets | 50.7625% | 4,789 |
| Net loans and leases to deposits | 67.3249% | 4,243 |
| Net loans and leases to core deposits | 71.6322% | 4,212 |
| Total domestic deposits to total assets | 75.3993% | 5,368 |
| Equity capital to assets | 11.9919% | 2,126 |
| Core capital (leverage) ratio | 10.9513% | 2,486 |
| Tier 1 risk-based capital ratio | 13.6422% | 3,809 |
| Total risk-based capital ratio | 14.4833% | 3,973 |
| Memoranda: | ||
| Average total assets | $435,355,330 | 1,559 |
| Average earning assets | $400,606,330 | 1,568 |
| Average equity | $51,413,000 | 1,502 |
| Average total loans | $227,954,000 | 1,929 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 3,934 |
| Cost of funding earning assets | 0.3481% | 3,620 |
| Net interest margin | 3.4533% | 3,654 |
| Noninterest income to average assets | 0.4435% | 3,528 |
| Noninterest expense to average assets | 2.3415% | 4,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9786% | 2,375 |
| Return on assets (ROA) | 0.8982% | 2,893 |
| Pretax return on assets | 1.1606% | 2,851 |
| Return on Equity (ROE) | 7.6658% | 3,102 |
| Retained earnings to average equity (ytd only) | 3.7225% | 3,631 |
| Net charge-offs to loans | 0.0035% | 3,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 684.5000% | 69 |
| Efficiency ratio | 64.1302% | 4,103 |
| Assets per employee ($millions) | 4.3015% | 3,408 |
| Cash dividends to net income (ytd only)* | 51.4403% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 3,553 |
| Loan loss allowance to noncurrent loans | 277.3429% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 4,600 |
| Noncurrent loans to loans | 0.4284% | 3,910 |
| Net loans and leases to total assets | 52.5891% | 4,570 |
| Net loans and leases to deposits | 67.4796% | 4,107 |
| Net loans and leases to core deposits | 71.8440% | 4,076 |
| Total domestic deposits to total assets | 77.9333% | 5,159 |
| Equity capital to assets | 12.0453% | 2,001 |
| Core capital (leverage) ratio | 10.6811% | 2,755 |
| Tier 1 risk-based capital ratio | 13.5927% | 3,926 |
| Total risk-based capital ratio | 14.4112% | 4,085 |
| Memoranda: | ||
| Average total assets | $432,876,500 | 1,571 |
| Average earning assets | $396,489,500 | 1,583 |
| Average equity | $50,718,500 | 1,515 |
| Average total loans | $228,779,000 | 1,925 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7792% | 4,105 |
| Cost of funding earning assets | 0.3738% | 3,437 |
| Net interest margin | 3.4054% | 3,889 |
| Noninterest income to average assets | 0.5866% | 2,790 |
| Noninterest expense to average assets | 2.3531% | 4,638 |
| Loan and lease loss provision to assets | 0.0461% | 3,405 |
| Net operating income to assets | 0.9938% | 2,397 |
| Return on assets (ROA) | 1.0145% | 2,365 |
| Pretax return on assets | 1.3833% | 1,965 |
| Return on Equity (ROE) | 9.0257% | 2,440 |
| Retained earnings to average equity (ytd only) | 4.9259% | 2,472 |
| Net charge-offs to loans | 0.0201% | 3,866 |
| Credit loss provision to net charge-offs | 454.5455% | 677 |
| Earnings coverage of net charge-offs (x) | 138.2045% | 449 |
| Efficiency ratio | 61.8755% | 4,629 |
| Assets per employee ($millions) | 4.3541% | 3,299 |
| Cash dividends to net income (ytd only)* | 45.4236% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 3,668 |
| Loan loss allowance to noncurrent loans | 376.3966% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 4,907 |
| Noncurrent loans to loans | 0.3101% | 4,346 |
| Net loans and leases to total assets | 51.8963% | 4,704 |
| Net loans and leases to deposits | 68.5481% | 4,077 |
| Net loans and leases to core deposits | 73.2569% | 4,016 |
| Total domestic deposits to total assets | 75.7078% | 5,478 |
| Equity capital to assets | 11.3705% | 2,473 |
| Core capital (leverage) ratio | 10.5178% | 2,910 |
| Tier 1 risk-based capital ratio | 13.2168% | 4,158 |
| Total risk-based capital ratio | 14.0198% | 4,369 |
| Memoranda: | ||
| Average total assets | $434,022,000 | 1,533 |
| Average earning assets | $403,712,600 | 1,520 |
| Average equity | $48,783,000 | 1,534 |
| Average total loans | $219,336,000 | 1,929 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 4,046 |
| Cost of funding earning assets | 0.3864% | 3,375 |
| Net interest margin | 3.4266% | 3,850 |
| Noninterest income to average assets | 0.6420% | 2,521 |
| Noninterest expense to average assets | 2.3985% | 4,517 |
| Loan and lease loss provision to assets | 0.0555% | 3,086 |
| Net operating income to assets | 1.0036% | 2,453 |
| Return on assets (ROA) | 1.0313% | 2,415 |
| Pretax return on assets | 1.4187% | 1,934 |
| Return on Equity (ROE) | 9.2026% | 2,466 |
| Retained earnings to average equity (ytd only) | 5.0771% | 2,860 |
| Net charge-offs to loans | 0.0216% | 3,502 |
| Credit loss provision to net charge-offs | 514.2857% | 635 |
| Earnings coverage of net charge-offs (x) | 133.1301% | 503 |
| Efficiency ratio | 61.7586% | 4,608 |
| Assets per employee ($millions) | 4.1962% | 3,524 |
| Cash dividends to net income (ytd only)* | 44.8297% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2641% | 3,285 |
| Loan loss allowance to noncurrent loans | 161.7842% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 3,877 |
| Noncurrent loans to loans | 0.7813% | 3,011 |
| Net loans and leases to total assets | 49.4660% | 4,970 |
| Net loans and leases to deposits | 63.0383% | 4,640 |
| Net loans and leases to core deposits | 67.2883% | 4,605 |
| Total domestic deposits to total assets | 78.4698% | 5,093 |
| Equity capital to assets | 11.7066% | 2,341 |
| Core capital (leverage) ratio | 10.4204% | 3,143 |
| Tier 1 risk-based capital ratio | 13.8198% | 3,956 |
| Total risk-based capital ratio | 14.6645% | 4,111 |
| Memoranda: | ||
| Average total assets | $432,587,000 | 1,548 |
| Average earning assets | $403,073,500 | 1,534 |
| Average equity | $48,478,000 | 1,546 |
| Average total loans | $216,441,250 | 1,954 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 3,871 |
| Cost of funding earning assets | 0.4008% | 3,266 |
| Net interest margin | 3.4488% | 3,715 |
| Noninterest income to average assets | 0.5773% | 2,872 |
| Noninterest expense to average assets | 2.3196% | 4,796 |
| Loan and lease loss provision to assets | 0.0551% | 3,009 |
| Net operating income to assets | 1.0208% | 2,287 |
| Return on assets (ROA) | 1.0420% | 2,289 |
| Pretax return on assets | 1.4443% | 1,821 |
| Return on Equity (ROE) | 9.4346% | 2,330 |
| Retained earnings to average equity (ytd only) | 5.2766% | 2,691 |
| Net charge-offs to loans | 0.0560% | 2,608 |
| Credit loss provision to net charge-offs | 196.7213% | 1,254 |
| Earnings coverage of net charge-offs (x) | 52.4754% | 924 |
| Efficiency ratio | 60.4096% | 4,929 |
| Assets per employee ($millions) | 4.6246% | 2,788 |
| Cash dividends to net income (ytd only)* | 44.0723% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 3,993 |
| Loan loss allowance to noncurrent loans | 157.1688% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 4,095 |
| Noncurrent loans to loans | 0.7421% | 3,255 |
| Net loans and leases to total assets | 49.5904% | 4,973 |
| Net loans and leases to deposits | 65.0856% | 4,428 |
| Net loans and leases to core deposits | 70.3230% | 4,297 |
| Total domestic deposits to total assets | 76.1926% | 5,578 |
| Equity capital to assets | 10.8883% | 3,005 |
| Core capital (leverage) ratio | 10.0695% | 3,503 |
| Tier 1 risk-based capital ratio | 13.3235% | 4,333 |
| Total risk-based capital ratio | 14.1204% | 4,504 |
| Memoranda: | ||
| Average total assets | $435,511,330 | 1,550 |
| Average earning assets | $405,645,670 | 1,533 |
| Average equity | $48,099,330 | 1,558 |
| Average total loans | $217,812,330 | 1,956 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9687% | 3,345 |
| Cost of funding earning assets | 0.4131% | 3,156 |
| Net interest margin | 3.5556% | 3,201 |
| Noninterest income to average assets | 0.5147% | 3,189 |
| Noninterest expense to average assets | 2.3854% | 4,635 |
| Loan and lease loss provision to assets | 0.0556% | 2,819 |
| Net operating income to assets | 0.9720% | 2,381 |
| Return on assets (ROA) | 0.9794% | 2,478 |
| Pretax return on assets | 1.3411% | 2,117 |
| Return on Equity (ROE) | 8.8039% | 2,544 |
| Retained earnings to average equity (ytd only) | 4.6354% | 3,248 |
| Net charge-offs to loans | 0.1115% | 1,628 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 24.9167% | 1,283 |
| Efficiency ratio | 62.4293% | 4,722 |
| Assets per employee ($millions) | 4.4763% | 3,089 |
| Cash dividends to net income (ytd only)* | 47.3485% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 4,037 |
| Loan loss allowance to noncurrent loans | 140.5091% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 3,795 |
| Noncurrent loans to loans | 0.8468% | 3,127 |
| Net loans and leases to total assets | 48.0663% | 5,026 |
| Net loans and leases to deposits | 61.5862% | 4,612 |
| Net loans and leases to core deposits | 66.4372% | 4,478 |
| Total domestic deposits to total assets | 78.0473% | 5,441 |
| Equity capital to assets | 11.0955% | 2,868 |
| Core capital (leverage) ratio | 10.0629% | 3,519 |
| Tier 1 risk-based capital ratio | 13.3166% | 4,422 |
| Total risk-based capital ratio | 14.1061% | 4,601 |
| Memoranda: | ||
| Average total assets | $431,285,500 | 1,574 |
| Average earning assets | $395,094,500 | 1,580 |
| Average equity | $47,979,000 | 1,569 |
| Average total loans | $215,338,000 | 1,973 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6184% | 5,034 |
| Cost of funding earning assets | 0.4480% | 3,187 |
| Net interest margin | 3.1704% | 5,014 |
| Noninterest income to average assets | 0.4935% | 3,561 |
| Noninterest expense to average assets | 2.3289% | 5,027 |
| Loan and lease loss provision to assets | 0.0569% | 3,409 |
| Net operating income to assets | 0.7481% | 3,637 |
| Return on assets (ROA) | 0.7708% | 3,615 |
| Pretax return on assets | 1.0414% | 3,341 |
| Return on Equity (ROE) | 7.1397% | 3,552 |
| Retained earnings to average equity (ytd only) | 4.9442% | 2,638 |
| Net charge-offs to loans | -0.0005% | 5,322 |
| Credit loss provision to net charge-offs | -24,000.0000% | 6,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5947% | 3,965 |
| Assets per employee ($millions) | 4.2831% | 3,390 |
| Cash dividends to net income (ytd only)* | 30.7503% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 4,178 |
| Loan loss allowance to noncurrent loans | 121.8915% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.6443% | 3,637 |
| Noncurrent loans to loans | 0.9587% | 2,930 |
| Net loans and leases to total assets | 50.6443% | 4,903 |
| Net loans and leases to deposits | 65.0734% | 4,422 |
| Net loans and leases to core deposits | 70.2882% | 4,303 |
| Total domestic deposits to total assets | 77.8264% | 5,468 |
| Equity capital to assets | 11.1423% | 2,762 |
| Core capital (leverage) ratio | 10.1450% | 3,373 |
| Tier 1 risk-based capital ratio | 13.5831% | 4,358 |
| Total risk-based capital ratio | 14.4066% | 4,543 |
| Memoranda: | ||
| Average total assets | $421,914,400 | 1,573 |
| Average earning assets | $386,355,200 | 1,572 |
| Average equity | $45,548,000 | 1,580 |
| Average total loans | $200,408,200 | 2,030 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5927% | 5,159 |
| Cost of funding earning assets | 0.4542% | 3,194 |
| Net interest margin | 3.1385% | 5,149 |
| Noninterest income to average assets | 0.3677% | 4,484 |
| Noninterest expense to average assets | 2.3050% | 5,085 |
| Loan and lease loss provision to assets | 0.0570% | 3,230 |
| Net operating income to assets | 0.6546% | 4,193 |
| Return on assets (ROA) | 0.6847% | 4,109 |
| Pretax return on assets | 0.9122% | 3,936 |
| Return on Equity (ROE) | 6.3941% | 4,030 |
| Retained earnings to average equity (ytd only) | 4.9168% | 3,142 |
| Net charge-offs to loans | 0.0041% | 4,562 |
| Credit loss provision to net charge-offs | 3,000.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 489.3213% | 156 |
| Efficiency ratio | 70.2475% | 3,470 |
| Assets per employee ($millions) | 4.1907% | 3,503 |
| Cash dividends to net income (ytd only)* | 23.1054% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 3,962 |
| Loan loss allowance to noncurrent loans | 96.2617% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.7754% | 3,494 |
| Noncurrent loans to loans | 1.2976% | 2,477 |
| Net loans and leases to total assets | 47.1069% | 5,283 |
| Net loans and leases to deposits | 58.5175% | 5,063 |
| Net loans and leases to core deposits | 62.3402% | 5,015 |
| Total domestic deposits to total assets | 80.5006% | 4,965 |
| Equity capital to assets | 11.2149% | 2,745 |
| Core capital (leverage) ratio | 10.0618% | 3,583 |
| Tier 1 risk-based capital ratio | 14.1580% | 4,101 |
| Total risk-based capital ratio | 15.0033% | 4,318 |
| Memoranda: | ||
| Average total assets | $421,387,500 | 1,585 |
| Average earning assets | $384,844,000 | 1,589 |
| Average equity | $45,123,500 | 1,599 |
| Average total loans | $196,189,750 | 2,080 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5719% | 5,230 |
| Cost of funding earning assets | 0.4526% | 3,300 |
| Net interest margin | 3.1193% | 5,194 |
| Noninterest income to average assets | 0.3310% | 4,770 |
| Noninterest expense to average assets | 2.3029% | 5,143 |
| Loan and lease loss provision to assets | 0.0567% | 3,162 |
| Net operating income to assets | 0.6155% | 4,276 |
| Return on assets (ROA) | 0.6474% | 4,216 |
| Pretax return on assets | 0.8613% | 4,036 |
| Return on Equity (ROE) | 6.1404% | 4,081 |
| Retained earnings to average equity (ytd only) | 3.9010% | 3,697 |
| Net charge-offs to loans | 0.0164% | 3,897 |
| Credit loss provision to net charge-offs | 750.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 115.8750% | 499 |
| Efficiency ratio | 71.4158% | 3,444 |
| Assets per employee ($millions) | 4.4056% | 3,079 |
| Cash dividends to net income (ytd only)* | 36.4697% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 4,353 |
| Loan loss allowance to noncurrent loans | 98.4830% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.7015% | 3,879 |
| Noncurrent loans to loans | 1.2349% | 2,761 |
| Net loans and leases to total assets | 45.6552% | 5,400 |
| Net loans and leases to deposits | 57.8316% | 5,056 |
| Net loans and leases to core deposits | 61.4247% | 5,018 |
| Total domestic deposits to total assets | 78.9452% | 5,469 |
| Equity capital to assets | 10.6978% | 3,201 |
| Core capital (leverage) ratio | 9.6751% | 4,078 |
| Tier 1 risk-based capital ratio | 14.0718% | 4,218 |
| Total risk-based capital ratio | 14.9024% | 4,435 |
| Memoranda: | ||
| Average total assets | $423,555,330 | 1,576 |
| Average earning assets | $386,625,670 | 1,585 |
| Average equity | $44,655,000 | 1,602 |
| Average total loans | $195,616,000 | 2,084 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 5,231 |
| Cost of funding earning assets | 0.4587% | 3,322 |
| Net interest margin | 3.1200% | 5,178 |
| Noninterest income to average assets | 0.4155% | 4,062 |
| Noninterest expense to average assets | 2.2454% | 5,339 |
| Loan and lease loss provision to assets | 0.0569% | 2,975 |
| Net operating income to assets | 0.6944% | 3,718 |
| Return on assets (ROA) | 0.6944% | 3,795 |
| Pretax return on assets | 0.9458% | 3,534 |
| Return on Equity (ROE) | 6.6358% | 3,665 |
| Retained earnings to average equity (ytd only) | 4.3695% | 3,504 |
| Net charge-offs to loans | 0.0349% | 2,901 |
| Credit loss provision to net charge-offs | 352.9412% | 708 |
| Earnings coverage of net charge-offs (x) | 62.1765% | 638 |
| Efficiency ratio | 68.1075% | 4,164 |
| Assets per employee ($millions) | 4.0893% | 3,739 |
| Cash dividends to net income (ytd only)* | 34.1530% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 4,602 |
| Loan loss allowance to noncurrent loans | 137.0609% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 4,536 |
| Noncurrent loans to loans | 0.8810% | 3,682 |
| Net loans and leases to total assets | 45.4711% | 5,389 |
| Net loans and leases to deposits | 55.3847% | 5,164 |
| Net loans and leases to core deposits | 58.7195% | 5,149 |
| Total domestic deposits to total assets | 82.1005% | 4,912 |
| Equity capital to assets | 10.6060% | 3,136 |
| Core capital (leverage) ratio | 9.6697% | 4,033 |
| Tier 1 risk-based capital ratio | 15.0535% | 3,688 |
| Total risk-based capital ratio | 15.9268% | 3,855 |
| Memoranda: | ||
| Average total assets | $421,662,000 | 1,589 |
| Average earning assets | $382,823,500 | 1,607 |
| Average equity | $44,124,500 | 1,608 |
| Average total loans | $194,671,000 | 2,098 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7062% | 5,115 |
| Cost of funding earning assets | 0.5054% | 3,555 |
| Net interest margin | 3.2008% | 5,001 |
| Noninterest income to average assets | 0.5231% | 3,601 |
| Noninterest expense to average assets | 2.2969% | 5,394 |
| Loan and lease loss provision to assets | 0.0574% | 3,996 |
| Net operating income to assets | 0.8553% | 3,003 |
| Return on assets (ROA) | 0.8579% | 3,071 |
| Pretax return on assets | 1.1023% | 2,940 |
| Return on Equity (ROE) | 8.3213% | 2,874 |
| Retained earnings to average equity (ytd only) | 6.0034% | 1,966 |
| Net charge-offs to loans | -0.0067% | 5,966 |
| Credit loss provision to net charge-offs | -1,846.1538% | 6,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4972% | 4,650 |
| Assets per employee ($millions) | 4.2213% | 3,410 |
| Cash dividends to net income (ytd only)* | 27.8552% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 4,778 |
| Loan loss allowance to noncurrent loans | 77.8192% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8320% | 3,809 |
| Noncurrent loans to loans | 1.5107% | 2,632 |
| Net loans and leases to total assets | 45.7635% | 5,511 |
| Net loans and leases to deposits | 57.0578% | 5,203 |
| Net loans and leases to core deposits | 60.7756% | 5,158 |
| Total domestic deposits to total assets | 80.2055% | 5,397 |
| Equity capital to assets | 10.3232% | 3,374 |
| Core capital (leverage) ratio | 9.3145% | 4,527 |
| Tier 1 risk-based capital ratio | 13.6472% | 4,553 |
| Total risk-based capital ratio | 14.4344% | 4,798 |
| Memoranda: | ||
| Average total assets | $418,478,000 | 1,577 |
| Average earning assets | $383,089,200 | 1,577 |
| Average equity | $43,142,200 | 1,624 |
| Average total loans | $194,044,200 | 2,057 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 4,985 |
| Cost of funding earning assets | 0.5090% | 3,684 |
| Net interest margin | 3.2549% | 4,810 |
| Noninterest income to average assets | 0.4962% | 3,834 |
| Noninterest expense to average assets | 2.2466% | 5,486 |
| Loan and lease loss provision to assets | 0.0575% | 3,901 |
| Net operating income to assets | 0.8382% | 3,151 |
| Return on assets (ROA) | 0.8414% | 3,261 |
| Pretax return on assets | 1.1920% | 2,739 |
| Return on Equity (ROE) | 8.1640% | 3,041 |
| Retained earnings to average equity (ytd only) | 5.8403% | 2,516 |
| Net charge-offs to loans | 0.0089% | 4,973 |
| Credit loss provision to net charge-offs | 1,384.6154% | 230 |
| Earnings coverage of net charge-offs (x) | 299.9735% | 202 |
| Efficiency ratio | 64.3439% | 4,742 |
| Assets per employee ($millions) | 4.3635% | 3,110 |
| Cash dividends to net income (ytd only)* | 28.4631% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 5,086 |
| Loan loss allowance to noncurrent loans | 80.2612% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 4,035 |
| Noncurrent loans to loans | 1.4410% | 3,002 |
| Net loans and leases to total assets | 44.6639% | 5,665 |
| Net loans and leases to deposits | 54.0818% | 5,533 |
| Net loans and leases to core deposits | 57.6191% | 5,479 |
| Total domestic deposits to total assets | 82.5858% | 4,725 |
| Equity capital to assets | 10.2009% | 3,645 |
| Core capital (leverage) ratio | 9.4938% | 4,417 |
| Tier 1 risk-based capital ratio | 14.2360% | 4,264 |
| Total risk-based capital ratio | 15.0415% | 4,525 |
| Memoranda: | ||
| Average total assets | $417,565,750 | 1,591 |
| Average earning assets | $384,272,000 | 1,582 |
| Average equity | $43,033,500 | 1,637 |
| Average total loans | $193,685,750 | 2,062 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4411% | 5,811 |
| Cost of funding earning assets | 0.4762% | 4,136 |
| Net interest margin | 2.9648% | 5,662 |
| Noninterest income to average assets | 0.4493% | 4,164 |
| Noninterest expense to average assets | 1.9410% | 6,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9771% | 2,432 |
| Return on assets (ROA) | 0.9814% | 2,559 |
| Pretax return on assets | 1.3245% | 2,214 |
| Return on Equity (ROE) | 11.7918% | 1,555 |
| Retained earnings to average equity (ytd only) | 7.4244% | 1,701 |
| Net charge-offs to loans | -0.0059% | 5,662 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5450% | 5,537 |
| Assets per employee ($millions) | 4.8307% | 2,326 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 4,372 |
| Loan loss allowance to noncurrent loans | 30,566.6667% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 6,109 |
| Noncurrent loans to loans | 0.0043% | 6,438 |
| Net loans and leases to total assets | 49.4763% | 5,163 |
| Net loans and leases to deposits | 58.4625% | 5,119 |
| Net loans and leases to core deposits | 63.0377% | 4,999 |
| Total domestic deposits to total assets | 84.6291% | 4,071 |
| Equity capital to assets | 8.2730% | 5,996 |
| Core capital (leverage) ratio | 8.4294% | 5,743 |
| Tier 1 risk-based capital ratio | 13.5690% | 4,729 |
| Total risk-based capital ratio | 14.6544% | 4,789 |
| Memoranda: | ||
| Average total assets | $275,119,330 | 2,324 |
| Average earning assets | $260,791,000 | 2,260 |
| Average equity | $22,897,330 | 2,876 |
| Average total loans | $135,384,330 | 2,781 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4609% | 5,808 |
| Cost of funding earning assets | 0.4852% | 4,237 |
| Net interest margin | 2.9757% | 5,632 |
| Noninterest income to average assets | 0.3418% | 4,959 |
| Noninterest expense to average assets | 1.8676% | 6,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9358% | 2,490 |
| Return on assets (ROA) | 0.9411% | 2,616 |
| Pretax return on assets | 1.3003% | 2,234 |
| Return on Equity (ROE) | 11.2737% | 1,628 |
| Retained earnings to average equity (ytd only) | 6.9176% | 2,189 |
| Net charge-offs to loans | -0.0060% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0888% | 5,705 |
| Assets per employee ($millions) | 4.8971% | 2,353 |
| Cash dividends to net income (ytd only)* | 38.6399% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 4,353 |
| Loan loss allowance to noncurrent loans | 45,775.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 6,196 |
| Noncurrent loans to loans | 0.0030% | 6,516 |
| Net loans and leases to total assets | 47.8768% | 5,239 |
| Net loans and leases to deposits | 56.9545% | 5,144 |
| Net loans and leases to core deposits | 61.5007% | 5,001 |
| Total domestic deposits to total assets | 84.0616% | 4,448 |
| Equity capital to assets | 8.4456% | 6,065 |
| Core capital (leverage) ratio | 8.2658% | 5,859 |
| Tier 1 risk-based capital ratio | 12.1905% | 5,795 |
| Total risk-based capital ratio | 13.1837% | 5,924 |
| Memoranda: | ||
| Average total assets | $275,003,000 | 2,344 |
| Average earning assets | $260,512,500 | 2,287 |
| Average equity | $22,956,000 | 2,932 |
| Average total loans | $134,042,500 | 2,817 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6104% | 6,213 |
| Cost of funding earning assets | 0.6238% | 4,147 |
| Net interest margin | 2.9866% | 6,077 |
| Noninterest income to average assets | 0.4305% | 4,378 |
| Noninterest expense to average assets | 2.0515% | 6,233 |
| Loan and lease loss provision to assets | 0.0383% | 5,398 |
| Net operating income to assets | 0.8837% | 2,897 |
| Return on assets (ROA) | 0.8910% | 3,098 |
| Pretax return on assets | 1.1770% | 2,877 |
| Return on Equity (ROE) | 10.3694% | 2,015 |
| Retained earnings to average equity (ytd only) | 2.5611% | 4,426 |
| Net charge-offs to loans | -0.0469% | 6,694 |
| Credit loss provision to net charge-offs | -172.4138% | 6,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9826% | 5,079 |
| Assets per employee ($millions) | 4.9244% | 2,324 |
| Cash dividends to net income (ytd only)* | 75.3012% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 4,381 |
| Loan loss allowance to noncurrent loans | 392.4893% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 5,806 |
| Noncurrent loans to loans | 0.3453% | 5,620 |
| Net loans and leases to total assets | 48.2755% | 5,380 |
| Net loans and leases to deposits | 59.3161% | 5,091 |
| Net loans and leases to core deposits | 64.1793% | 4,933 |
| Total domestic deposits to total assets | 81.3870% | 5,282 |
| Equity capital to assets | 8.2500% | 6,238 |
| Core capital (leverage) ratio | 8.1657% | 6,030 |
| Tier 1 risk-based capital ratio | 12.5124% | 5,466 |
| Total risk-based capital ratio | 13.5491% | 5,554 |
| Memoranda: | ||
| Average total assets | $260,836,200 | 2,428 |
| Average earning assets | $246,872,000 | 2,350 |
| Average equity | $22,412,200 | 2,929 |
| Average total loans | $123,626,400 | 3,011 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6314% | 6,345 |
| Cost of funding earning assets | 0.6109% | 4,532 |
| Net interest margin | 3.0205% | 6,127 |
| Noninterest income to average assets | 0.4719% | 4,123 |
| Noninterest expense to average assets | 2.0629% | 6,237 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9181% | 2,894 |
| Return on assets (ROA) | 0.9241% | 3,083 |
| Pretax return on assets | 1.2788% | 2,675 |
| Return on Equity (ROE) | 10.6413% | 2,081 |
| Retained earnings to average equity (ytd only) | 1.6840% | 5,490 |
| Net charge-offs to loans | -0.0530% | 6,727 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8855% | 5,164 |
| Assets per employee ($millions) | 4.6341% | 2,693 |
| Cash dividends to net income (ytd only)* | 84.1751% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 4,315 |
| Loan loss allowance to noncurrent loans | 42,975.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 6,397 |
| Noncurrent loans to loans | 0.0033% | 6,683 |
| Net loans and leases to total assets | 44.5846% | 5,922 |
| Net loans and leases to deposits | 52.6153% | 5,930 |
| Net loans and leases to core deposits | 56.8594% | 5,822 |
| Total domestic deposits to total assets | 84.7369% | 3,865 |
| Equity capital to assets | 8.4069% | 6,343 |
| Core capital (leverage) ratio | 8.1721% | 6,169 |
| Tier 1 risk-based capital ratio | 12.5633% | 5,592 |
| Total risk-based capital ratio | 13.5546% | 5,733 |
| Memoranda: | ||
| Average total assets | $257,103,000 | 2,488 |
| Average earning assets | $243,576,000 | 2,412 |
| Average equity | $22,327,500 | 2,968 |
| Average total loans | $120,793,500 | 3,097 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7326% | 6,283 |
| Cost of funding earning assets | 0.6285% | 4,645 |
| Net interest margin | 3.1041% | 5,995 |
| Noninterest income to average assets | 0.3847% | 4,760 |
| Noninterest expense to average assets | 2.0789% | 6,262 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9057% | 2,889 |
| Return on assets (ROA) | 0.9091% | 3,134 |
| Pretax return on assets | 1.2519% | 2,721 |
| Return on Equity (ROE) | 10.3517% | 2,221 |
| Retained earnings to average equity (ytd only) | 1.3580% | 5,516 |
| Net charge-offs to loans | -0.0796% | 6,803 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5030% | 5,166 |
| Assets per employee ($millions) | 4.7003% | 2,565 |
| Cash dividends to net income (ytd only)* | 86.8810% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 4,266 |
| Loan loss allowance to noncurrent loans | 57,300.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 6,458 |
| Noncurrent loans to loans | 0.0025% | 6,724 |
| Net loans and leases to total assets | 45.3288% | 5,891 |
| Net loans and leases to deposits | 53.8179% | 5,886 |
| Net loans and leases to core deposits | 58.4384% | 5,741 |
| Total domestic deposits to total assets | 84.2262% | 4,223 |
| Equity capital to assets | 8.6218% | 6,104 |
| Core capital (leverage) ratio | 8.5238% | 5,623 |
| Tier 1 risk-based capital ratio | 12.7128% | 5,409 |
| Total risk-based capital ratio | 13.7220% | 5,571 |
| Memoranda: | ||
| Average total assets | $253,211,000 | 2,517 |
| Average earning assets | $239,937,670 | 2,435 |
| Average equity | $22,238,000 | 2,955 |
| Average total loans | $120,540,330 | 3,121 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 6,398 |
| Cost of funding earning assets | 0.6354% | 4,853 |
| Net interest margin | 3.0892% | 6,084 |
| Noninterest income to average assets | 0.3576% | 5,011 |
| Noninterest expense to average assets | 2.1967% | 6,049 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7971% | 3,389 |
| Return on assets (ROA) | 0.7982% | 3,624 |
| Pretax return on assets | 1.0888% | 3,371 |
| Return on Equity (ROE) | 9.0039% | 2,833 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,973 |
| Net charge-offs to loans | -0.1384% | 6,897 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8935% | 4,379 |
| Assets per employee ($millions) | 4.4333% | 3,122 |
| Cash dividends to net income (ytd only)* | 100.0000% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 4,569 |
| Loan loss allowance to noncurrent loans | 34,260.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 6,559 |
| Noncurrent loans to loans | 0.0041% | 6,795 |
| Net loans and leases to total assets | 46.5808% | 5,722 |
| Net loans and leases to deposits | 55.3218% | 5,673 |
| Net loans and leases to core deposits | 60.0990% | 5,519 |
| Total domestic deposits to total assets | 84.1997% | 4,399 |
| Equity capital to assets | 8.6212% | 5,966 |
| Core capital (leverage) ratio | 8.4959% | 5,604 |
| Tier 1 risk-based capital ratio | 12.9319% | 5,257 |
| Total risk-based capital ratio | 13.9621% | 5,392 |
| Memoranda: | ||
| Average total assets | $250,557,500 | 2,557 |
| Average earning assets | $237,346,500 | 2,473 |
| Average equity | $22,212,500 | 2,957 |
| Average total loans | $121,359,500 | 3,120 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8592% | 6,664 |
| Cost of funding earning assets | 0.7568% | 5,162 |
| Net interest margin | 3.1024% | 6,340 |
| Noninterest income to average assets | 0.4099% | 4,538 |
| Noninterest expense to average assets | 2.1659% | 6,340 |
| Loan and lease loss provision to assets | 0.0198% | 6,326 |
| Net operating income to assets | 0.8867% | 2,657 |
| Return on assets (ROA) | 0.8867% | 2,790 |
| Pretax return on assets | 1.1716% | 2,570 |
| Return on Equity (ROE) | 10.1398% | 2,017 |
| Retained earnings to average equity (ytd only) | 1.0904% | 5,344 |
| Net charge-offs to loans | -0.0296% | 7,000 |
| Credit loss provision to net charge-offs | -138.8889% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5138% | 5,039 |
| Assets per employee ($millions) | 4.2804% | 3,300 |
| Cash dividends to net income (ytd only)* | 89.2459% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 4,564 |
| Loan loss allowance to noncurrent loans | 33,420.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 6,603 |
| Noncurrent loans to loans | 0.0041% | 6,863 |
| Net loans and leases to total assets | 49.0038% | 5,714 |
| Net loans and leases to deposits | 57.7289% | 5,721 |
| Net loans and leases to core deposits | 62.6064% | 5,588 |
| Total domestic deposits to total assets | 84.8861% | 3,909 |
| Equity capital to assets | 9.1224% | 5,384 |
| Core capital (leverage) ratio | 8.4553% | 5,632 |
| Tier 1 risk-based capital ratio | 14.1070% | 4,250 |
| Total risk-based capital ratio | 15.2033% | 4,315 |
| Memoranda: | ||
| Average total assets | $252,737,600 | 2,493 |
| Average earning assets | $240,103,400 | 2,404 |
| Average equity | $22,101,000 | 2,882 |
| Average total loans | $121,617,800 | 3,148 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 6,790 |
| Cost of funding earning assets | 0.7793% | 5,282 |
| Net interest margin | 3.0644% | 6,461 |
| Noninterest income to average assets | 0.4069% | 4,617 |
| Noninterest expense to average assets | 2.1281% | 6,456 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8672% | 2,874 |
| Return on assets (ROA) | 0.8672% | 3,019 |
| Pretax return on assets | 1.1909% | 2,664 |
| Return on Equity (ROE) | 10.0200% | 2,192 |
| Retained earnings to average equity (ytd only) | 0.9549% | 5,623 |
| Net charge-offs to loans | -0.0219% | 6,927 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1191% | 5,042 |
| Assets per employee ($millions) | 4.4801% | 2,950 |
| Cash dividends to net income (ytd only)* | 90.4705% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 4,848 |
| Loan loss allowance to noncurrent loans | 22,928.5714% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 6,713 |
| Noncurrent loans to loans | 0.0058% | 6,955 |
| Net loans and leases to total assets | 45.6759% | 6,170 |
| Net loans and leases to deposits | 53.0101% | 6,290 |
| Net loans and leases to core deposits | 58.5429% | 6,086 |
| Total domestic deposits to total assets | 86.1645% | 3,119 |
| Equity capital to assets | 8.5720% | 6,229 |
| Core capital (leverage) ratio | 8.2496% | 6,059 |
| Tier 1 risk-based capital ratio | 14.2939% | 4,130 |
| Total risk-based capital ratio | 15.3652% | 4,243 |
| Memoranda: | ||
| Average total assets | $254,926,750 | 2,483 |
| Average earning assets | $242,263,500 | 2,384 |
| Average equity | $22,062,000 | 2,882 |
| Average total loans | $121,714,500 | 3,168 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9146% | 6,785 |
| Cost of funding earning assets | 0.7926% | 5,429 |
| Net interest margin | 3.1221% | 6,365 |
| Noninterest income to average assets | 0.3798% | 4,846 |
| Noninterest expense to average assets | 2.1375% | 6,526 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8796% | 2,737 |
| Return on assets (ROA) | 0.8796% | 2,836 |
| Pretax return on assets | 1.2129% | 2,430 |
| Return on Equity (ROE) | 10.1313% | 2,079 |
| Retained earnings to average equity (ytd only) | 1.0368% | 5,448 |
| Net charge-offs to loans | -0.0246% | 6,871 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7992% | 5,279 |
| Assets per employee ($millions) | 4.3062% | 3,158 |
| Cash dividends to net income (ytd only)* | 89.7666% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 4,859 |
| Loan loss allowance to noncurrent loans | 162.1074% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 5,868 |
| Noncurrent loans to loans | 0.8294% | 5,268 |
| Net loans and leases to total assets | 46.2092% | 6,245 |
| Net loans and leases to deposits | 53.7863% | 6,321 |
| Net loans and leases to core deposits | 59.7747% | 6,110 |
| Total domestic deposits to total assets | 85.9126% | 3,371 |
| Equity capital to assets | 8.7155% | 5,925 |
| Core capital (leverage) ratio | 8.1802% | 6,066 |
| Tier 1 risk-based capital ratio | 14.7139% | 3,664 |
| Total risk-based capital ratio | 15.8153% | 3,720 |
| Memoranda: | ||
| Average total assets | $253,287,000 | 2,508 |
| Average earning assets | $240,993,670 | 2,416 |
| Average equity | $21,991,330 | 2,880 |
| Average total loans | $122,188,670 | 3,186 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9986% | 6,701 |
| Cost of funding earning assets | 0.7898% | 5,615 |
| Net interest margin | 3.2088% | 6,041 |
| Noninterest income to average assets | 0.2214% | 6,149 |
| Noninterest expense to average assets | 2.0514% | 6,737 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8984% | 2,570 |
| Return on assets (ROA) | 0.8984% | 2,632 |
| Pretax return on assets | 1.2290% | 2,276 |
| Return on Equity (ROE) | 10.3671% | 1,970 |
| Retained earnings to average equity (ytd only) | 1.2411% | 5,324 |
| Net charge-offs to loans | -0.0355% | 6,763 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5362% | 5,590 |
| Assets per employee ($millions) | 4.3210% | 3,204 |
| Cash dividends to net income (ytd only)* | 88.0282% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 5,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 6,866 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 46.9148% | 6,202 |
| Net loans and leases to deposits | 57.9522% | 5,927 |
| Net loans and leases to core deposits | 64.9275% | 5,632 |
| Total domestic deposits to total assets | 80.9544% | 5,673 |
| Equity capital to assets | 8.4742% | 5,948 |
| Core capital (leverage) ratio | 8.4054% | 5,619 |
| Tier 1 risk-based capital ratio | 14.4416% | 3,779 |
| Total risk-based capital ratio | 15.5222% | 3,849 |
| Memoranda: | ||
| Average total assets | $252,898,500 | 2,539 |
| Average earning assets | $241,085,500 | 2,435 |
| Average equity | $21,915,500 | 2,876 |
| Average total loans | $123,782,500 | 3,184 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 6,512 |
| Cost of funding earning assets | 0.8724% | 6,289 |
| Net interest margin | 3.5820% | 4,901 |
| Noninterest income to average assets | 0.5433% | 3,864 |
| Noninterest expense to average assets | 2.3931% | 6,102 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0924% | 1,722 |
| Return on assets (ROA) | 1.0924% | 1,807 |
| Pretax return on assets | 1.5564% | 1,224 |
| Return on Equity (ROE) | 11.9815% | 1,317 |
| Retained earnings to average equity (ytd only) | 2.7862% | 3,907 |
| Net charge-offs to loans | -0.0855% | 7,489 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5922% | 5,954 |
| Assets per employee ($millions) | 4.0416% | 3,698 |
| Cash dividends to net income (ytd only)* | 76.7460% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 5,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 6,891 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 49.7907% | 6,184 |
| Net loans and leases to deposits | 63.1844% | 5,723 |
| Net loans and leases to core deposits | 69.8101% | 5,459 |
| Total domestic deposits to total assets | 78.8022% | 6,135 |
| Equity capital to assets | 8.8671% | 5,329 |
| Core capital (leverage) ratio | 8.5751% | 5,233 |
| Tier 1 risk-based capital ratio | 13.9649% | 3,893 |
| Total risk-based capital ratio | 15.0059% | 3,998 |
| Memoranda: | ||
| Average total assets | $238,556,200 | 2,652 |
| Average earning assets | $226,853,400 | 2,553 |
| Average equity | $21,750,200 | 2,910 |
| Average total loans | $120,465,000 | 3,304 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4785% | 6,653 |
| Cost of funding earning assets | 0.8894% | 6,437 |
| Net interest margin | 3.5891% | 4,924 |
| Noninterest income to average assets | 0.4605% | 4,478 |
| Noninterest expense to average assets | 2.2590% | 6,439 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1278% | 1,801 |
| Return on assets (ROA) | 1.1278% | 1,913 |
| Pretax return on assets | 1.6153% | 1,311 |
| Return on Equity (ROE) | 12.2819% | 1,431 |
| Retained earnings to average equity (ytd only) | 3.0751% | 4,283 |
| Net charge-offs to loans | -0.1194% | 7,573 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3067% | 6,218 |
| Assets per employee ($millions) | 4.1243% | 3,608 |
| Cash dividends to net income (ytd only)* | 74.9626% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 5,001 |
| Loan loss allowance to noncurrent loans | 555.5944% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 6,593 |
| Noncurrent loans to loans | 0.2329% | 6,712 |
| Net loans and leases to total assets | 48.9869% | 6,438 |
| Net loans and leases to deposits | 61.4961% | 6,169 |
| Net loans and leases to core deposits | 68.4338% | 5,897 |
| Total domestic deposits to total assets | 79.6585% | 5,821 |
| Equity capital to assets | 8.8964% | 5,704 |
| Core capital (leverage) ratio | 8.7064% | 5,175 |
| Tier 1 risk-based capital ratio | 12.8441% | 4,694 |
| Total risk-based capital ratio | 13.8087% | 4,907 |
| Memoranda: | ||
| Average total assets | $236,560,250 | 2,710 |
| Average earning assets | $225,008,750 | 2,605 |
| Average equity | $21,722,500 | 2,954 |
| Average total loans | $119,496,500 | 3,380 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 6,723 |
| Cost of funding earning assets | 0.9031% | 6,568 |
| Net interest margin | 3.5917% | 4,852 |
| Noninterest income to average assets | 0.4697% | 4,362 |
| Noninterest expense to average assets | 2.2771% | 6,418 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1274% | 1,770 |
| Return on assets (ROA) | 1.1274% | 1,837 |
| Pretax return on assets | 1.6108% | 1,274 |
| Return on Equity (ROE) | 12.1434% | 1,417 |
| Retained earnings to average equity (ytd only) | 2.8948% | 4,297 |
| Net charge-offs to loans | -0.1723% | 7,627 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5689% | 6,295 |
| Assets per employee ($millions) | 3.9928% | 3,785 |
| Cash dividends to net income (ytd only)* | 76.1615% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 4,875 |
| Loan loss allowance to noncurrent loans | 232.2581% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 6,485 |
| Noncurrent loans to loans | 0.5626% | 6,121 |
| Net loans and leases to total assets | 50.7866% | 6,337 |
| Net loans and leases to deposits | 64.0087% | 6,039 |
| Net loans and leases to core deposits | 68.7736% | 5,990 |
| Total domestic deposits to total assets | 79.3432% | 5,933 |
| Equity capital to assets | 9.2247% | 5,108 |
| Core capital (leverage) ratio | 8.8830% | 4,781 |
| Tier 1 risk-based capital ratio | 13.4081% | 4,131 |
| Total risk-based capital ratio | 14.4208% | 4,264 |
| Memoranda: | ||
| Average total assets | $232,927,000 | 2,766 |
| Average earning assets | $221,679,670 | 2,666 |
| Average equity | $21,625,000 | 2,961 |
| Average total loans | $118,391,330 | 3,427 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 6,766 |
| Cost of funding earning assets | 0.9000% | 6,771 |
| Net interest margin | 3.6128% | 4,671 |
| Noninterest income to average assets | 0.4162% | 4,764 |
| Noninterest expense to average assets | 2.1053% | 6,924 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2331% | 1,454 |
| Return on assets (ROA) | 1.2331% | 1,528 |
| Pretax return on assets | 1.7565% | 963 |
| Return on Equity (ROE) | 13.2394% | 1,205 |
| Retained earnings to average equity (ytd only) | 3.9681% | 3,764 |
| Net charge-offs to loans | -0.0239% | 7,118 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5170% | 6,926 |
| Assets per employee ($millions) | 3.9723% | 3,943 |
| Cash dividends to net income (ytd only)* | 70.0280% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 5,102 |
| Loan loss allowance to noncurrent loans | 233.0203% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 6,568 |
| Noncurrent loans to loans | 0.5441% | 6,200 |
| Net loans and leases to total assets | 49.4720% | 6,532 |
| Net loans and leases to deposits | 62.4371% | 6,236 |
| Net loans and leases to core deposits | 66.9568% | 6,209 |
| Total domestic deposits to total assets | 79.2350% | 6,022 |
| Equity capital to assets | 9.2556% | 4,904 |
| Core capital (leverage) ratio | 8.9465% | 4,653 |
| Tier 1 risk-based capital ratio | 14.0246% | 3,637 |
| Total risk-based capital ratio | 15.0251% | 3,768 |
| Memoranda: | ||
| Average total assets | $231,603,500 | 2,859 |
| Average earning assets | $220,883,000 | 2,728 |
| Average equity | $21,572,000 | 2,993 |
| Average total loans | $116,975,000 | 3,518 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1393% | 5,925 |
| Cost of funding earning assets | 1.1383% | 6,856 |
| Net interest margin | 4.0010% | 2,858 |
| Noninterest income to average assets | 0.5327% | 4,154 |
| Noninterest expense to average assets | 2.7457% | 5,177 |
| Loan and lease loss provision to assets | 0.0462% | 7,102 |
| Net operating income to assets | 1.1296% | 1,440 |
| Return on assets (ROA) | 1.1296% | 1,471 |
| Pretax return on assets | 1.5454% | 1,084 |
| Return on Equity (ROE) | 12.1044% | 1,138 |
| Retained earnings to average equity (ytd only) | 12.1044% | 201 |
| Net charge-offs to loans | 0.2243% | 5,222 |
| Credit loss provision to net charge-offs | 37.8788% | 6,847 |
| Earnings coverage of net charge-offs (x) | 13.0492% | 1,455 |
| Efficiency ratio | 63.3042% | 5,912 |
| Assets per employee ($millions) | 3.8140% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 4,925 |
| Loan loss allowance to noncurrent loans | 239.8058% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 6,540 |
| Noncurrent loans to loans | 0.5304% | 6,194 |
| Net loans and leases to total assets | 50.2679% | 6,612 |
| Net loans and leases to deposits | 65.0833% | 6,155 |
| Net loans and leases to core deposits | 74.2835% | 6,518 |
| Total domestic deposits to total assets | 77.2363% | 6,402 |
| Equity capital to assets | 9.3742% | 4,599 |
| Core capital (leverage) ratio | 9.0595% | 4,325 |
| Tier 1 risk-based capital ratio | 12.7952% | 4,289 |
| Total risk-based capital ratio | 13.7130% | 4,500 |
| Memoranda: | ||
| Average total assets | $216,447,400 | 2,993 |
| Average earning assets | $205,825,400 | 2,891 |
| Average equity | $20,199,200 | 3,164 |
| Average total loans | $117,700,800 | 3,531 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2638% | 5,607 |
| Cost of funding earning assets | 1.1976% | 6,897 |
| Net interest margin | 4.0662% | 2,524 |
| Noninterest income to average assets | 0.5481% | 4,098 |
| Noninterest expense to average assets | 2.7010% | 5,324 |
| Loan and lease loss provision to assets | 0.0625% | 6,738 |
| Net operating income to assets | 1.2393% | 1,376 |
| Return on assets (ROA) | 1.2393% | 1,440 |
| Pretax return on assets | 1.6505% | 1,068 |
| Return on Equity (ROE) | 13.2954% | 1,043 |
| Retained earnings to average equity (ytd only) | 13.2954% | 237 |
| Net charge-offs to loans | 0.3458% | 3,912 |
| Credit loss provision to net charge-offs | 32.6797% | 6,487 |
| Earnings coverage of net charge-offs (x) | 8.9575% | 2,174 |
| Efficiency ratio | 61.1921% | 6,241 |
| Assets per employee ($millions) | 3.6447% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 4,900 |
| Loan loss allowance to noncurrent loans | 362.7204% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 6,873 |
| Noncurrent loans to loans | 0.3420% | 6,674 |
| Net loans and leases to total assets | 52.4243% | 6,568 |
| Net loans and leases to deposits | 66.4150% | 6,269 |
| Net loans and leases to core deposits | 78.0362% | 6,486 |
| Total domestic deposits to total assets | 78.9343% | 5,827 |
| Equity capital to assets | 9.5924% | 4,630 |
| Core capital (leverage) ratio | 9.2363% | 4,283 |
| Tier 1 risk-based capital ratio | 12.9094% | 4,261 |
| Total risk-based capital ratio | 13.8297% | 4,441 |
| Memoranda: | ||
| Average total assets | $213,348,750 | 3,048 |
| Average earning assets | $202,838,500 | 2,952 |
| Average equity | $19,886,000 | 3,256 |
| Average total loans | $117,997,000 | 3,555 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3683% | 5,310 |
| Cost of funding earning assets | 1.2559% | 6,940 |
| Net interest margin | 4.1124% | 2,278 |
| Noninterest income to average assets | 0.5086% | 4,372 |
| Noninterest expense to average assets | 2.5391% | 5,988 |
| Loan and lease loss provision to assets | 0.0945% | 6,221 |
| Net operating income to assets | 1.2317% | 1,401 |
| Return on assets (ROA) | 1.2317% | 1,478 |
| Pretax return on assets | 1.7781% | 881 |
| Return on Equity (ROE) | 13.3488% | 1,108 |
| Retained earnings to average equity (ytd only) | 13.3488% | 292 |
| Net charge-offs to loans | 0.0708% | 5,517 |
| Credit loss provision to net charge-offs | 238.0952% | 1,957 |
| Earnings coverage of net charge-offs (x) | 47.1667% | 720 |
| Efficiency ratio | 57.5530% | 6,934 |
| Assets per employee ($millions) | 3.5495% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 3,500 |
| Loan loss allowance to noncurrent loans | 288.3249% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 6,169 |
| Noncurrent loans to loans | 0.5010% | 6,271 |
| Net loans and leases to total assets | 54.5925% | 6,369 |
| Net loans and leases to deposits | 71.5684% | 5,800 |
| Net loans and leases to core deposits | 79.7795% | 6,429 |
| Total domestic deposits to total assets | 76.2801% | 6,491 |
| Equity capital to assets | 9.4483% | 4,679 |
| Core capital (leverage) ratio | 9.0722% | 4,511 |
| Tier 1 risk-based capital ratio | 12.8319% | 4,260 |
| Total risk-based capital ratio | 13.9519% | 4,272 |
| Memoranda: | ||
| Average total assets | $211,570,670 | 3,090 |
| Average earning assets | $200,808,670 | 2,988 |
| Average equity | $19,522,330 | 3,321 |
| Average total loans | $118,635,000 | 3,567 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3602% | 5,613 |
| Cost of funding earning assets | 1.2892% | 7,046 |
| Net interest margin | 4.0710% | 2,402 |
| Noninterest income to average assets | 0.4875% | 4,434 |
| Noninterest expense to average assets | 2.3540% | 6,356 |
| Loan and lease loss provision to assets | 0.1897% | 4,546 |
| Net operating income to assets | 1.1837% | 1,702 |
| Return on assets (ROA) | 1.1837% | 1,809 |
| Pretax return on assets | 1.8134% | 951 |
| Return on Equity (ROE) | 12.9848% | 1,391 |
| Retained earnings to average equity (ytd only) | 12.9848% | 644 |
| Net charge-offs to loans | 0.1816% | 3,550 |
| Credit loss provision to net charge-offs | 185.1852% | 2,359 |
| Earnings coverage of net charge-offs (x) | 19.5556% | 1,416 |
| Efficiency ratio | 54.0270% | 7,215 |
| Assets per employee ($millions) | 3.6426% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 3,422 |
| Loan loss allowance to noncurrent loans | 324.7601% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4790% | 6,052 |
| Noncurrent loans to loans | 0.4355% | 6,334 |
| Net loans and leases to total assets | 55.8261% | 6,261 |
| Net loans and leases to deposits | 66.6842% | 6,314 |
| Net loans and leases to core deposits | 79.8404% | 6,398 |
| Total domestic deposits to total assets | 83.7172% | 3,834 |
| Equity capital to assets | 9.2293% | 5,046 |
| Core capital (leverage) ratio | 9.0034% | 4,708 |
| Tier 1 risk-based capital ratio | 12.5899% | 4,483 |
| Total risk-based capital ratio | 13.7205% | 4,486 |
| Memoranda: | ||
| Average total assets | $210,871,500 | 3,105 |
| Average earning assets | $200,440,500 | 3,010 |
| Average equity | $19,222,500 | 3,385 |
| Average total loans | $118,968,000 | 3,583 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9543% | 5,787 |
| Cost of funding earning assets | 1.9303% | 6,641 |
| Net interest margin | 4.0241% | 3,005 |
| Noninterest income to average assets | 0.7365% | 2,864 |
| Noninterest expense to average assets | 2.7622% | 4,999 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4761% | 1,070 |
| Return on assets (ROA) | 0.8190% | 3,195 |
| Pretax return on assets | 0.9777% | 3,457 |
| Return on Equity (ROE) | 8.6044% | 2,789 |
| Retained earnings to average equity (ytd only) | 5.8071% | 1,617 |
| Net charge-offs to loans | 0.0636% | 5,865 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 45.9028% | 809 |
| Efficiency ratio | 61.0810% | 6,144 |
| Assets per employee ($millions) | 3.5079% | 4,634 |
| Cash dividends to net income (ytd only)* | 32.5098% | 4,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 3,248 |
| Loan loss allowance to noncurrent loans | 288.7719% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 6,493 |
| Noncurrent loans to loans | 0.4818% | 5,899 |
| Net loans and leases to total assets | 55.4247% | 6,495 |
| Net loans and leases to deposits | 69.8212% | 6,289 |
| Net loans and leases to core deposits | 81.7602% | 6,481 |
| Total domestic deposits to total assets | 79.3810% | 5,244 |
| Equity capital to assets | 9.0017% | 5,363 |
| Core capital (leverage) ratio | 9.3604% | 4,218 |
| Tier 1 risk-based capital ratio | 12.6066% | 4,361 |
| Total risk-based capital ratio | 13.7455% | 4,343 |
| Memoranda: | ||
| Average total assets | $187,783,200 | 3,297 |
| Average earning assets | $176,660,800 | 3,234 |
| Average equity | $17,874,600 | 3,572 |
| Average total loans | $113,172,200 | 3,607 |