Home > Peoples Bank > Performance and Condition Ratios
Peoples Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7531% | 2,567 |
| Cost of funding earning assets | 2.0821% | 802 |
| Net interest margin | 2.6709% | 3,860 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.3320% | 2,766 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5619% | 3,534 |
| Return on assets (ROA) | 0.5156% | 3,629 |
| Pretax return on assets | 0.5406% | 3,743 |
| Return on Equity (ROE) | 7.0400% | 3,269 |
| Retained earnings to average equity (ytd only) | 2.6346% | 3,401 |
| Net charge-offs to loans | 0.0024% | 2,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 378.2857% | 368 |
| Efficiency ratio | 78.3728% | 1,037 |
| Assets per employee ($millions) | 6.4854% | 2,424 |
| Cash dividends to net income (ytd only)* | 62.5809% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 3,232 |
| Loan loss allowance to noncurrent loans | 658.8727% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 2,622 |
| Noncurrent loans to loans | 0.1540% | 2,743 |
| Net loans and leases to total assets | 65.9100% | 2,266 |
| Net loans and leases to deposits | 77.9982% | 2,261 |
| Net loans and leases to core deposits | 92.0018% | 1,902 |
| Total domestic deposits to total assets | 84.5100% | 2,467 |
| Equity capital to assets | 7.6254% | 3,646 |
| Core capital (leverage) ratio | 8.4687% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6553% | 2,861 |
| Memoranda: | ||
| Average total assets | $449,350,200 | 1,863 |
| Average earning assets | $412,699,800 | 1,866 |
| Average equity | $32,908,200 | 2,147 |
| Average total loans | $288,851,200 | 1,833 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7071% | 2,457 |
| Cost of funding earning assets | 1.9585% | 765 |
| Net interest margin | 2.7486% | 3,812 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.3696% | 2,599 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6128% | 3,509 |
| Return on assets (ROA) | 0.5505% | 3,649 |
| Pretax return on assets | 0.5795% | 3,773 |
| Return on Equity (ROE) | 7.6000% | 3,289 |
| Retained earnings to average equity (ytd only) | 2.6349% | 3,601 |
| Net charge-offs to loans | 0.0099% | 2,032 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 102.5238% | 906 |
| Efficiency ratio | 77.1792% | 1,076 |
| Assets per employee ($millions) | 6.1005% | 2,653 |
| Cash dividends to net income (ytd only)* | 65.3239% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 2,960 |
| Loan loss allowance to noncurrent loans | 274.9781% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 1,966 |
| Noncurrent loans to loans | 0.3929% | 1,848 |
| Net loans and leases to total assets | 65.5100% | 2,290 |
| Net loans and leases to deposits | 73.2883% | 2,626 |
| Net loans and leases to core deposits | 88.4147% | 2,027 |
| Total domestic deposits to total assets | 89.3900% | 1,120 |
| Equity capital to assets | 6.3974% | 3,861 |
| Core capital (leverage) ratio | 8.4113% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1656% | 2,793 |
| Memoranda: | ||
| Average total assets | $444,949,750 | 1,872 |
| Average earning assets | $408,392,750 | 1,878 |
| Average equity | $32,233,500 | 2,162 |
| Average total loans | $283,327,250 | 1,858 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6208% | 2,374 |
| Cost of funding earning assets | 1.7609% | 800 |
| Net interest margin | 2.8599% | 3,712 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.3490% | 2,657 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7281% | 3,278 |
| Return on assets (ROA) | 0.7009% | 3,347 |
| Pretax return on assets | 0.7376% | 3,526 |
| Return on Equity (ROE) | 9.3200% | 2,886 |
| Retained earnings to average equity (ytd only) | 3.9629% | 3,215 |
| Net charge-offs to loans | -0.0014% | 3,489 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.0374% | 1,340 |
| Assets per employee ($millions) | 6.0197% | 2,693 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 2,932 |
| Loan loss allowance to noncurrent loans | 277.3716% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 1,909 |
| Noncurrent loans to loans | 0.3989% | 1,735 |
| Net loans and leases to total assets | 63.9400% | 2,391 |
| Net loans and leases to deposits | 75.2184% | 2,389 |
| Net loans and leases to core deposits | 84.4760% | 2,184 |
| Total domestic deposits to total assets | 85.0100% | 2,542 |
| Equity capital to assets | 7.4831% | 3,530 |
| Core capital (leverage) ratio | 8.4336% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7621% | 2,692 |
| Memoranda: | ||
| Average total assets | $446,834,000 | 1,867 |
| Average earning assets | $410,014,333 | 1,875 |
| Average equity | $33,611,333 | 2,116 |
| Average total loans | $280,805,000 | 1,862 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 2,247 |
| Cost of funding earning assets | 1.5167% | 818 |
| Net interest margin | 3.0138% | 3,565 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.3042% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7839% | 3,246 |
| Return on assets (ROA) | 0.7839% | 3,196 |
| Pretax return on assets | 0.8250% | 3,409 |
| Return on Equity (ROE) | 10.3900% | 2,668 |
| Retained earnings to average equity (ytd only) | 5.6533% | 2,856 |
| Net charge-offs to loans | 0.0014% | 1,992 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 923.0000% | 114 |
| Efficiency ratio | 72.2651% | 1,518 |
| Assets per employee ($millions) | 6.2218% | 2,568 |
| Cash dividends to net income (ytd only)* | 45.6100% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 2,821 |
| Loan loss allowance to noncurrent loans | 278.8091% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 1,788 |
| Noncurrent loans to loans | 0.4125% | 1,698 |
| Net loans and leases to total assets | 61.0900% | 2,548 |
| Net loans and leases to deposits | 72.3756% | 2,437 |
| Net loans and leases to core deposits | 80.0322% | 2,251 |
| Total domestic deposits to total assets | 84.4100% | 2,992 |
| Equity capital to assets | 7.9490% | 3,274 |
| Core capital (leverage) ratio | 8.2637% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7117% | 2,809 |
| Memoranda: | ||
| Average total assets | $447,522,500 | 1,885 |
| Average earning assets | $409,577,000 | 1,903 |
| Average equity | $33,750,000 | 2,134 |
| Average total loans | $277,190,500 | 1,894 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 2,019 |
| Cost of funding earning assets | 0.5454% | 1,132 |
| Net interest margin | 3.3401% | 2,450 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.5113% | 2,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9933% | 2,594 |
| Return on assets (ROA) | 0.9752% | 2,601 |
| Pretax return on assets | 1.0265% | 2,997 |
| Return on Equity (ROE) | 11.6900% | 2,244 |
| Retained earnings to average equity (ytd only) | 6.2826% | 2,539 |
| Net charge-offs to loans | -0.0016% | 3,407 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.5894% | 1,892 |
| Assets per employee ($millions) | 6.3868% | 2,431 |
| Cash dividends to net income (ytd only)* | 46.2625% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 2,659 |
| Loan loss allowance to noncurrent loans | 352.7132% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 2,010 |
| Noncurrent loans to loans | 0.3254% | 1,984 |
| Net loans and leases to total assets | 61.3600% | 2,509 |
| Net loans and leases to deposits | 72.0738% | 2,402 |
| Net loans and leases to core deposits | 81.3924% | 2,045 |
| Total domestic deposits to total assets | 85.1400% | 2,958 |
| Equity capital to assets | 7.1333% | 3,596 |
| Core capital (leverage) ratio | 8.4682% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8018% | 2,786 |
| Memoranda: | ||
| Average total assets | $421,136,600 | 1,946 |
| Average earning assets | $384,836,400 | 1,965 |
| Average equity | $35,129,000 | 2,105 |
| Average total loans | $252,347,800 | 1,926 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 1,981 |
| Cost of funding earning assets | 0.3727% | 1,497 |
| Net interest margin | 3.3456% | 2,154 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.5508% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9922% | 2,500 |
| Return on assets (ROA) | 0.9904% | 2,477 |
| Pretax return on assets | 1.0425% | 2,896 |
| Return on Equity (ROE) | 11.4300% | 2,228 |
| Retained earnings to average equity (ytd only) | 4.3777% | 3,330 |
| Net charge-offs to loans | 0.0135% | 1,617 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 129.9200% | 809 |
| Efficiency ratio | 68.9294% | 1,892 |
| Assets per employee ($millions) | 5.9725% | 2,788 |
| Cash dividends to net income (ytd only)* | 61.6883% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 2,472 |
| Loan loss allowance to noncurrent loans | 324.6914% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 1,981 |
| Noncurrent loans to loans | 0.3730% | 1,896 |
| Net loans and leases to total assets | 60.7100% | 2,427 |
| Net loans and leases to deposits | 70.5037% | 2,320 |
| Net loans and leases to core deposits | 75.3448% | 2,249 |
| Total domestic deposits to total assets | 86.1100% | 3,041 |
| Equity capital to assets | 6.1899% | 3,884 |
| Core capital (leverage) ratio | 8.4634% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5480% | 2,640 |
| Memoranda: | ||
| Average total assets | $414,652,250 | 1,982 |
| Average earning assets | $379,196,250 | 2,010 |
| Average equity | $35,938,500 | 2,108 |
| Average total loans | $246,057,250 | 1,963 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5343% | 2,028 |
| Cost of funding earning assets | 0.3062% | 1,671 |
| Net interest margin | 3.2281% | 2,109 |
| Noninterest income to average assets | 0.5511% | 1,944 |
| Noninterest expense to average assets | 2.5918% | 1,656 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8649% | 2,714 |
| Return on assets (ROA) | 0.8622% | 2,701 |
| Pretax return on assets | 0.9074% | 3,039 |
| Return on Equity (ROE) | 9.0583% | 2,682 |
| Retained earnings to average equity (ytd only) | 1.3991% | 3,900 |
| Net charge-offs to loans | 0.0199% | 1,337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 78.0417% | 945 |
| Efficiency ratio | 71.9123% | 1,737 |
| Assets per employee ($millions) | 5.6049% | 3,125 |
| Cash dividends to net income (ytd only)* | 84.5547% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,164 |
| Loan loss allowance to noncurrent loans | 336.5672% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 1,786 |
| Noncurrent loans to loans | 0.3880% | 1,973 |
| Net loans and leases to total assets | 58.3071% | 2,501 |
| Net loans and leases to deposits | 66.9586% | 2,471 |
| Net loans and leases to core deposits | 70.2739% | 2,474 |
| Total domestic deposits to total assets | 87.0793% | 2,910 |
| Equity capital to assets | 7.4245% | 3,515 |
| Core capital (leverage) ratio | 8.4463% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0740% | 2,461 |
| Memoranda: | ||
| Average total assets | $411,521,667 | 2,003 |
| Average earning assets | $376,195,333 | 2,041 |
| Average equity | $39,168,667 | 2,034 |
| Average total loans | $241,213,333 | 1,987 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3925% | 2,110 |
| Cost of funding earning assets | 0.2932% | 1,719 |
| Net interest margin | 3.0993% | 2,179 |
| Noninterest income to average assets | 0.5486% | 1,906 |
| Noninterest expense to average assets | 2.6072% | 1,580 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7405% | 2,890 |
| Return on assets (ROA) | 0.7405% | 2,883 |
| Pretax return on assets | 0.7793% | 3,175 |
| Return on Equity (ROE) | 7.0150% | 3,035 |
| Retained earnings to average equity (ytd only) | 2.4240% | 3,428 |
| Net charge-offs to loans | -0.0199% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8426% | 1,648 |
| Assets per employee ($millions) | 5.4625% | 3,345 |
| Cash dividends to net income (ytd only)* | 65.4450% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 2,006 |
| Loan loss allowance to noncurrent loans | 279.8422% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 1,738 |
| Noncurrent loans to loans | 0.4911% | 1,799 |
| Net loans and leases to total assets | 55.9317% | 2,535 |
| Net loans and leases to deposits | 66.8011% | 2,265 |
| Net loans and leases to core deposits | 69.7532% | 2,311 |
| Total domestic deposits to total assets | 83.7287% | 3,817 |
| Equity capital to assets | 9.2877% | 2,453 |
| Core capital (leverage) ratio | 8.3568% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6347% | 2,370 |
| Memoranda: | ||
| Average total assets | $412,703,500 | 2,005 |
| Average earning assets | $377,894,500 | 2,036 |
| Average equity | $43,564,000 | 1,937 |
| Average total loans | $240,957,500 | 1,988 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9820% | 1,400 |
| Cost of funding earning assets | 0.4058% | 1,506 |
| Net interest margin | 3.5762% | 1,534 |
| Noninterest income to average assets | 0.6563% | 1,920 |
| Noninterest expense to average assets | 2.6738% | 1,706 |
| Loan and lease loss provision to assets | 0.0441% | 2,175 |
| Net operating income to assets | 1.1511% | 2,105 |
| Return on assets (ROA) | 1.1238% | 2,254 |
| Pretax return on assets | 1.1806% | 2,732 |
| Return on Equity (ROE) | 9.1957% | 2,833 |
| Retained earnings to average equity (ytd only) | 5.1725% | 2,719 |
| Net charge-offs to loans | 0.0531% | 1,264 |
| Credit loss provision to net charge-offs | 132.5758% | 1,565 |
| Earnings coverage of net charge-offs (x) | 37.6591% | 1,467 |
| Efficiency ratio | 64.6806% | 2,448 |
| Assets per employee ($millions) | 5.5429% | 3,223 |
| Cash dividends to net income (ytd only)* | 43.7514% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 2,479 |
| Loan loss allowance to noncurrent loans | 262.4587% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3548% | 1,807 |
| Noncurrent loans to loans | 0.4856% | 1,913 |
| Net loans and leases to total assets | 59.2698% | 2,233 |
| Net loans and leases to deposits | 71.7515% | 1,934 |
| Net loans and leases to core deposits | 77.8353% | 1,778 |
| Total domestic deposits to total assets | 82.6042% | 3,882 |
| Equity capital to assets | 11.8054% | 1,343 |
| Core capital (leverage) ratio | 8.3170% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7067% | 2,725 |
| Memoranda: | ||
| Average total assets | $396,589,400 | 2,002 |
| Average earning assets | $362,734,200 | 2,027 |
| Average equity | $48,468,200 | 1,806 |
| Average total loans | $248,669,600 | 1,938 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 1,254 |
| Cost of funding earning assets | 0.4361% | 1,448 |
| Net interest margin | 3.6867% | 1,366 |
| Noninterest income to average assets | 0.6663% | 1,950 |
| Noninterest expense to average assets | 2.7230% | 1,527 |
| Loan and lease loss provision to assets | 0.0595% | 1,805 |
| Net operating income to assets | 1.1900% | 2,199 |
| Return on assets (ROA) | 1.1900% | 2,258 |
| Pretax return on assets | 1.2526% | 2,763 |
| Return on Equity (ROE) | 9.6501% | 2,861 |
| Retained earnings to average equity (ytd only) | 5.5108% | 3,040 |
| Net charge-offs to loans | 0.0805% | 865 |
| Credit loss provision to net charge-offs | 116.6667% | 1,477 |
| Earnings coverage of net charge-offs (x) | 25.7067% | 1,612 |
| Efficiency ratio | 64.1255% | 2,367 |
| Assets per employee ($millions) | 5.5106% | 3,189 |
| Cash dividends to net income (ytd only)* | 42.8939% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 2,600 |
| Loan loss allowance to noncurrent loans | 179.3084% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4385% | 1,719 |
| Noncurrent loans to loans | 0.7125% | 1,561 |
| Net loans and leases to total assets | 60.7580% | 2,168 |
| Net loans and leases to deposits | 74.9945% | 1,764 |
| Net loans and leases to core deposits | 80.5155% | 1,691 |
| Total domestic deposits to total assets | 81.0166% | 4,091 |
| Equity capital to assets | 12.1987% | 1,311 |
| Core capital (leverage) ratio | 8.3291% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4865% | 2,866 |
| Memoranda: | ||
| Average total assets | $391,807,750 | 2,036 |
| Average earning assets | $358,038,750 | 2,064 |
| Average equity | $48,316,000 | 1,833 |
| Average total loans | $248,443,250 | 1,965 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2416% | 1,108 |
| Cost of funding earning assets | 0.4698% | 1,384 |
| Net interest margin | 3.7717% | 1,187 |
| Noninterest income to average assets | 0.6912% | 1,842 |
| Noninterest expense to average assets | 2.8059% | 1,340 |
| Loan and lease loss provision to assets | 0.0515% | 2,001 |
| Net operating income to assets | 1.2139% | 2,136 |
| Return on assets (ROA) | 1.2139% | 2,214 |
| Pretax return on assets | 1.2778% | 2,687 |
| Return on Equity (ROE) | 9.8078% | 2,825 |
| Retained earnings to average equity (ytd only) | 5.6466% | 2,941 |
| Net charge-offs to loans | -0.1496% | 4,730 |
| Credit loss provision to net charge-offs | -53.7634% | 2,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5535% | 2,352 |
| Assets per employee ($millions) | 5.3469% | 3,293 |
| Cash dividends to net income (ytd only)* | 42.4268% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 2,070 |
| Loan loss allowance to noncurrent loans | 77.7475% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.0982% | 677 |
| Noncurrent loans to loans | 1.7709% | 590 |
| Net loans and leases to total assets | 61.1606% | 2,289 |
| Net loans and leases to deposits | 75.1822% | 1,898 |
| Net loans and leases to core deposits | 81.4649% | 1,764 |
| Total domestic deposits to total assets | 81.3498% | 4,037 |
| Equity capital to assets | 12.0716% | 1,328 |
| Core capital (leverage) ratio | 8.2551% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $388,319,333 | 2,044 |
| Average earning assets | $354,586,000 | 2,071 |
| Average equity | $48,064,000 | 1,827 |
| Average total loans | $248,732,333 | 1,969 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 762 |
| Cost of funding earning assets | 0.5073% | 1,348 |
| Net interest margin | 4.0051% | 836 |
| Noninterest income to average assets | 0.7215% | 1,802 |
| Noninterest expense to average assets | 2.8683% | 1,215 |
| Loan and lease loss provision to assets | 0.1047% | 1,303 |
| Net operating income to assets | 1.3247% | 1,746 |
| Return on assets (ROA) | 1.3247% | 1,831 |
| Pretax return on assets | 1.3949% | 2,297 |
| Return on Equity (ROE) | 10.5655% | 2,509 |
| Retained earnings to average equity (ytd only) | 10.5655% | 1,501 |
| Net charge-offs to loans | -0.0772% | 4,554 |
| Credit loss provision to net charge-offs | -208.3333% | 2,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4790% | 2,675 |
| Assets per employee ($millions) | 5.0685% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 2,244 |
| Loan loss allowance to noncurrent loans | 64.1171% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.3132% | 532 |
| Noncurrent loans to loans | 2.0926% | 494 |
| Net loans and leases to total assets | 61.9123% | 2,297 |
| Net loans and leases to deposits | 77.0910% | 1,791 |
| Net loans and leases to core deposits | 80.3383% | 1,969 |
| Total domestic deposits to total assets | 80.3107% | 4,158 |
| Equity capital to assets | 12.2550% | 1,172 |
| Core capital (leverage) ratio | 8.4664% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,971,500 | 2,053 |
| Average earning assets | $347,756,500 | 2,089 |
| Average equity | $47,891,500 | 1,826 |
| Average total loans | $248,755,000 | 1,972 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5238% | 1,254 |
| Cost of funding earning assets | 0.7495% | 1,449 |
| Net interest margin | 3.7743% | 1,575 |
| Noninterest income to average assets | 1.1006% | 879 |
| Noninterest expense to average assets | 3.0460% | 1,338 |
| Loan and lease loss provision to assets | 0.3986% | 791 |
| Net operating income to assets | 0.9944% | 2,314 |
| Return on assets (ROA) | 1.0037% | 2,419 |
| Pretax return on assets | 1.0554% | 2,854 |
| Return on Equity (ROE) | 7.7384% | 2,912 |
| Retained earnings to average equity (ytd only) | 4.4924% | 2,536 |
| Net charge-offs to loans | 0.2426% | 715 |
| Credit loss provision to net charge-offs | 244.8276% | 1,959 |
| Earnings coverage of net charge-offs (x) | 8.8707% | 2,563 |
| Efficiency ratio | 64.5246% | 2,736 |
| Assets per employee ($millions) | 4.8529% | 3,546 |
| Cash dividends to net income (ytd only)* | 41.9463% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 2,736 |
| Loan loss allowance to noncurrent loans | 66.0632% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.2712% | 641 |
| Noncurrent loans to loans | 1.8805% | 642 |
| Net loans and leases to total assets | 66.7592% | 1,986 |
| Net loans and leases to deposits | 83.7577% | 1,484 |
| Net loans and leases to core deposits | 87.6088% | 1,734 |
| Total domestic deposits to total assets | 79.7051% | 4,096 |
| Equity capital to assets | 12.8335% | 1,163 |
| Core capital (leverage) ratio | 8.5402% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,266,600 | 2,020 |
| Average earning assets | $319,953,400 | 2,078 |
| Average equity | $46,211,000 | 1,803 |
| Average total loans | $239,041,400 | 1,974 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 1,072 |
| Cost of funding earning assets | 0.8112% | 1,439 |
| Net interest margin | 3.8865% | 1,381 |
| Noninterest income to average assets | 0.9862% | 1,043 |
| Noninterest expense to average assets | 3.0321% | 1,371 |
| Loan and lease loss provision to assets | 0.4055% | 860 |
| Net operating income to assets | 0.9785% | 2,416 |
| Return on assets (ROA) | 0.9911% | 2,505 |
| Pretax return on assets | 1.0434% | 2,927 |
| Return on Equity (ROE) | 7.6197% | 2,952 |
| Retained earnings to average equity (ytd only) | 6.1633% | 2,035 |
| Net charge-offs to loans | 0.0679% | 1,643 |
| Credit loss provision to net charge-offs | 891.6667% | 907 |
| Earnings coverage of net charge-offs (x) | 31.5750% | 1,540 |
| Efficiency ratio | 64.4929% | 2,661 |
| Assets per employee ($millions) | 4.8342% | 3,452 |
| Cash dividends to net income (ytd only)* | 19.1131% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 2,019 |
| Loan loss allowance to noncurrent loans | 68.8281% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.3153% | 707 |
| Noncurrent loans to loans | 1.9403% | 638 |
| Net loans and leases to total assets | 66.1825% | 2,497 |
| Net loans and leases to deposits | 83.6813% | 1,941 |
| Net loans and leases to core deposits | 90.9586% | 1,887 |
| Total domestic deposits to total assets | 79.0888% | 4,046 |
| Equity capital to assets | 13.2309% | 1,091 |
| Core capital (leverage) ratio | 8.6749% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,915,750 | 2,022 |
| Average earning assets | $315,237,000 | 2,078 |
| Average equity | $45,775,000 | 1,811 |
| Average total loans | $235,652,500 | 1,993 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9813% | 855 |
| Cost of funding earning assets | 0.8772% | 1,472 |
| Net interest margin | 4.1041% | 1,102 |
| Noninterest income to average assets | 0.9748% | 1,026 |
| Noninterest expense to average assets | 3.0635% | 1,434 |
| Loan and lease loss provision to assets | 0.3272% | 1,308 |
| Net operating income to assets | 1.1906% | 1,669 |
| Return on assets (ROA) | 1.2096% | 1,739 |
| Pretax return on assets | 1.2734% | 2,120 |
| Return on Equity (ROE) | 9.3555% | 2,223 |
| Retained earnings to average equity (ytd only) | 7.1354% | 1,602 |
| Net charge-offs to loans | -0.0060% | 4,064 |
| Credit loss provision to net charge-offs | -8,142.8571% | 4,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6901% | 3,010 |
| Assets per employee ($millions) | 5.0346% | 3,129 |
| Cash dividends to net income (ytd only)* | 23.7304% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 2,587 |
| Loan loss allowance to noncurrent loans | 53.0737% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.5449% | 594 |
| Noncurrent loans to loans | 2.2342% | 563 |
| Net loans and leases to total assets | 66.0954% | 2,615 |
| Net loans and leases to deposits | 83.8732% | 2,008 |
| Net loans and leases to core deposits | 93.6827% | 1,773 |
| Total domestic deposits to total assets | 78.8040% | 4,064 |
| Equity capital to assets | 13.0597% | 1,145 |
| Core capital (leverage) ratio | 8.6939% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,365,333 | 2,007 |
| Average earning assets | $311,447,667 | 2,067 |
| Average equity | $45,043,000 | 1,827 |
| Average total loans | $233,135,333 | 1,994 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7945% | 1,434 |
| Cost of funding earning assets | 0.9979% | 1,429 |
| Net interest margin | 3.7967% | 1,987 |
| Noninterest income to average assets | 0.7559% | 1,446 |
| Noninterest expense to average assets | 2.8842% | 2,170 |
| Loan and lease loss provision to assets | 0.0820% | 2,670 |
| Net operating income to assets | 1.1107% | 1,810 |
| Return on assets (ROA) | 1.1497% | 1,795 |
| Pretax return on assets | 1.2107% | 2,157 |
| Return on Equity (ROE) | 8.9396% | 2,138 |
| Retained earnings to average equity (ytd only) | 4.3832% | 2,541 |
| Net charge-offs to loans | -0.0683% | 4,724 |
| Credit loss provision to net charge-offs | -179.4872% | 3,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9677% | 2,967 |
| Assets per employee ($millions) | 4.4925% | 3,269 |
| Cash dividends to net income (ytd only)* | 50.9684% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 3,390 |
| Loan loss allowance to noncurrent loans | 87.7187% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.8558% | 1,563 |
| Noncurrent loans to loans | 1.2121% | 1,350 |
| Net loans and leases to total assets | 65.6012% | 2,859 |
| Net loans and leases to deposits | 84.0566% | 2,218 |
| Net loans and leases to core deposits | 93.4119% | 2,024 |
| Total domestic deposits to total assets | 78.0440% | 4,214 |
| Equity capital to assets | 12.8172% | 1,539 |
| Core capital (leverage) ratio | 8.6838% | 4,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2772% | 3,017 |
| Memoranda: | ||
| Average total assets | $341,304,000 | 1,993 |
| Average earning assets | $303,846,500 | 2,055 |
| Average equity | $43,894,500 | 1,851 |
| Average total loans | $228,471,500 | 1,996 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 1,587 |
| Cost of funding earning assets | 1.1680% | 1,102 |
| Net interest margin | 3.7925% | 2,523 |
| Noninterest income to average assets | 0.8421% | 1,322 |
| Noninterest expense to average assets | 3.2250% | 1,462 |
| Loan and lease loss provision to assets | 0.2824% | 616 |
| Net operating income to assets | 0.7168% | 3,812 |
| Return on assets (ROA) | 0.7997% | 3,645 |
| Pretax return on assets | 0.8251% | 3,924 |
| Return on Equity (ROE) | 6.1081% | 3,884 |
| Retained earnings to average equity (ytd only) | -1.8808% | 4,866 |
| Net charge-offs to loans | -0.0018% | 4,215 |
| Credit loss provision to net charge-offs | -23,625.0000% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2066% | 1,841 |
| Assets per employee ($millions) | 4.1105% | 3,760 |
| Cash dividends to net income (ytd only)* | 130.7922% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,542 |
| Loan loss allowance to noncurrent loans | 53.0226% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.3436% | 803 |
| Noncurrent loans to loans | 1.8798% | 699 |
| Net loans and leases to total assets | 66.9023% | 2,848 |
| Net loans and leases to deposits | 84.7312% | 2,244 |
| Net loans and leases to core deposits | 95.3844% | 1,948 |
| Total domestic deposits to total assets | 78.9583% | 4,196 |
| Equity capital to assets | 12.9045% | 1,578 |
| Core capital (leverage) ratio | 8.5631% | 4,810 |
| Tier 1 risk-based capital ratio | 10.7935% | 4,928 |
| Total risk-based capital ratio | 11.7000% | 4,963 |
| Memoranda: | ||
| Average total assets | $334,634,000 | 1,960 |
| Average earning assets | $300,433,600 | 2,023 |
| Average equity | $43,810,400 | 1,799 |
| Average total loans | $225,632,000 | 1,983 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 1,705 |
| Cost of funding earning assets | 1.1837% | 1,075 |
| Net interest margin | 3.7574% | 2,727 |
| Noninterest income to average assets | 0.7768% | 1,497 |
| Noninterest expense to average assets | 3.2175% | 1,429 |
| Loan and lease loss provision to assets | 0.2382% | 703 |
| Net operating income to assets | 0.6063% | 4,280 |
| Return on assets (ROA) | 0.7059% | 4,059 |
| Pretax return on assets | 0.8136% | 4,093 |
| Return on Equity (ROE) | 5.3721% | 4,227 |
| Retained earnings to average equity (ytd only) | -3.7693% | 5,016 |
| Net charge-offs to loans | -0.0244% | 4,640 |
| Credit loss provision to net charge-offs | -1,451.2195% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6051% | 1,630 |
| Assets per employee ($millions) | 3.9890% | 3,924 |
| Cash dividends to net income (ytd only)* | 170.1643% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8682% | 4,167 |
| Loan loss allowance to noncurrent loans | 47.4086% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.2579% | 981 |
| Noncurrent loans to loans | 1.8314% | 771 |
| Net loans and leases to total assets | 67.6370% | 2,844 |
| Net loans and leases to deposits | 87.0625% | 2,052 |
| Net loans and leases to core deposits | 97.3455% | 1,867 |
| Total domestic deposits to total assets | 77.6878% | 4,410 |
| Equity capital to assets | 12.9722% | 1,646 |
| Core capital (leverage) ratio | 8.6151% | 4,880 |
| Tier 1 risk-based capital ratio | 10.3601% | 5,122 |
| Total risk-based capital ratio | 11.1150% | 5,172 |
| Memoranda: | ||
| Average total assets | $332,998,750 | 1,977 |
| Average earning assets | $299,386,250 | 2,038 |
| Average equity | $43,756,250 | 1,808 |
| Average total loans | $224,402,000 | 2,006 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9244% | 1,684 |
| Cost of funding earning assets | 1.1691% | 1,079 |
| Net interest margin | 3.7554% | 2,734 |
| Noninterest income to average assets | 0.5212% | 2,562 |
| Noninterest expense to average assets | 3.1934% | 1,524 |
| Loan and lease loss provision to assets | 0.1896% | 931 |
| Net operating income to assets | 0.4436% | 4,651 |
| Return on assets (ROA) | 0.5916% | 4,367 |
| Pretax return on assets | 0.6897% | 4,354 |
| Return on Equity (ROE) | 4.4832% | 4,473 |
| Retained earnings to average equity (ytd only) | -0.0775% | 4,697 |
| Net charge-offs to loans | -0.0251% | 4,627 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7812% | 1,184 |
| Assets per employee ($millions) | 3.8682% | 4,036 |
| Cash dividends to net income (ytd only)* | 101.7294% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 4,548 |
| Loan loss allowance to noncurrent loans | 69.2875% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.8823% | 1,592 |
| Noncurrent loans to loans | 1.1104% | 1,470 |
| Net loans and leases to total assets | 66.3727% | 3,057 |
| Net loans and leases to deposits | 82.4452% | 2,681 |
| Net loans and leases to core deposits | 93.1983% | 2,310 |
| Total domestic deposits to total assets | 80.5052% | 3,937 |
| Equity capital to assets | 13.4978% | 1,320 |
| Core capital (leverage) ratio | 8.9611% | 4,657 |
| Tier 1 risk-based capital ratio | 11.6723% | 4,596 |
| Total risk-based capital ratio | 12.3686% | 4,765 |
| Memoranda: | ||
| Average total assets | $332,306,000 | 1,995 |
| Average earning assets | $299,039,330 | 2,042 |
| Average equity | $43,852,670 | 1,800 |
| Average total loans | $222,995,670 | 2,032 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 1,749 |
| Cost of funding earning assets | 1.1218% | 1,118 |
| Net interest margin | 3.7322% | 2,774 |
| Noninterest income to average assets | 0.4682% | 2,744 |
| Noninterest expense to average assets | 3.0953% | 1,746 |
| Loan and lease loss provision to assets | 0.1197% | 1,462 |
| Net operating income to assets | 0.5281% | 4,438 |
| Return on assets (ROA) | 0.5281% | 4,459 |
| Pretax return on assets | 0.6155% | 4,483 |
| Return on Equity (ROE) | 4.0469% | 4,566 |
| Retained earnings to average equity (ytd only) | 4.0469% | 3,298 |
| Net charge-offs to loans | -0.0338% | 4,692 |
| Credit loss provision to net charge-offs | -526.3158% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6490% | 1,429 |
| Assets per employee ($millions) | 4.1906% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6802% | 4,808 |
| Loan loss allowance to noncurrent loans | 68.4063% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 0.8233% | 1,724 |
| Noncurrent loans to loans | 0.9943% | 1,685 |
| Net loans and leases to total assets | 63.9389% | 3,291 |
| Net loans and leases to deposits | 79.7096% | 2,872 |
| Net loans and leases to core deposits | 89.6139% | 2,538 |
| Total domestic deposits to total assets | 80.2148% | 4,137 |
| Equity capital to assets | 13.1939% | 1,350 |
| Core capital (leverage) ratio | 9.1261% | 4,548 |
| Tier 1 risk-based capital ratio | 12.5595% | 4,127 |
| Total risk-based capital ratio | 13.2014% | 4,381 |
| Memoranda: | ||
| Average total assets | $334,058,500 | 2,001 |
| Average earning assets | $300,945,000 | 2,045 |
| Average equity | $43,588,500 | 1,794 |
| Average total loans | $224,530,500 | 2,027 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0086% | 1,032 |
| Cost of funding earning assets | 0.9300% | 998 |
| Net interest margin | 4.0786% | 1,751 |
| Noninterest income to average assets | 0.5603% | 2,490 |
| Noninterest expense to average assets | 2.8758% | 2,432 |
| Loan and lease loss provision to assets | 0.3642% | 406 |
| Net operating income to assets | 0.8361% | 3,665 |
| Return on assets (ROA) | 0.8361% | 3,662 |
| Pretax return on assets | 1.0081% | 3,567 |
| Return on Equity (ROE) | 6.7376% | 3,915 |
| Retained earnings to average equity (ytd only) | 3.7721% | 3,496 |
| Net charge-offs to loans | -0.0462% | 4,950 |
| Credit loss provision to net charge-offs | -1,104.4643% | 4,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0238% | 3,193 |
| Assets per employee ($millions) | 4.2676% | 3,516 |
| Cash dividends to net income (ytd only)* | 44.0141% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5784% | 5,010 |
| Loan loss allowance to noncurrent loans | 85.6508% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 2,433 |
| Noncurrent loans to loans | 0.6753% | 2,306 |
| Net loans and leases to total assets | 69.6640% | 2,618 |
| Net loans and leases to deposits | 87.7395% | 2,077 |
| Net loans and leases to core deposits | 102.4054% | 1,552 |
| Total domestic deposits to total assets | 79.3987% | 4,237 |
| Equity capital to assets | 12.9014% | 1,392 |
| Core capital (leverage) ratio | 8.8185% | 4,798 |
| Tier 1 risk-based capital ratio | 11.6457% | 4,646 |
| Total risk-based capital ratio | 12.2032% | 4,886 |
| Memoranda: | ||
| Average total assets | $339,658,600 | 1,951 |
| Average earning assets | $307,113,200 | 1,985 |
| Average equity | $42,151,600 | 1,777 |
| Average total loans | $242,266,000 | 1,867 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9790% | 976 |
| Cost of funding earning assets | 0.8822% | 993 |
| Net interest margin | 4.0968% | 1,642 |
| Noninterest income to average assets | 0.5601% | 2,519 |
| Noninterest expense to average assets | 2.8466% | 2,467 |
| Loan and lease loss provision to assets | 0.3590% | 373 |
| Net operating income to assets | 0.8448% | 3,757 |
| Return on assets (ROA) | 0.8448% | 3,762 |
| Pretax return on assets | 1.0620% | 3,529 |
| Return on Equity (ROE) | 6.8742% | 3,977 |
| Retained earnings to average equity (ytd only) | 2.9016% | 4,271 |
| Net charge-offs to loans | -0.0071% | 4,308 |
| Credit loss provision to net charge-offs | -7,069.2308% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0606% | 3,326 |
| Assets per employee ($millions) | 4.3848% | 3,301 |
| Cash dividends to net income (ytd only)* | 57.7902% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3909% | 5,290 |
| Loan loss allowance to noncurrent loans | 62.1333% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 0.5278% | 2,632 |
| Noncurrent loans to loans | 0.6291% | 2,510 |
| Net loans and leases to total assets | 70.3447% | 2,591 |
| Net loans and leases to deposits | 86.8262% | 2,279 |
| Net loans and leases to core deposits | 100.5002% | 1,741 |
| Total domestic deposits to total assets | 81.0179% | 3,861 |
| Equity capital to assets | 12.3948% | 1,649 |
| Core capital (leverage) ratio | 8.5320% | 5,080 |
| Tier 1 risk-based capital ratio | 11.1518% | 4,969 |
| Total risk-based capital ratio | 11.5311% | 5,231 |
| Memoranda: | ||
| Average total assets | $341,355,250 | 1,957 |
| Average earning assets | $308,916,750 | 1,987 |
| Average equity | $41,953,250 | 1,788 |
| Average total loans | $244,522,250 | 1,861 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 957 |
| Cost of funding earning assets | 0.8408% | 960 |
| Net interest margin | 4.0877% | 1,596 |
| Noninterest income to average assets | 0.5371% | 2,655 |
| Noninterest expense to average assets | 2.8663% | 2,445 |
| Loan and lease loss provision to assets | 0.3509% | 371 |
| Net operating income to assets | 0.8109% | 3,822 |
| Return on assets (ROA) | 0.8109% | 3,824 |
| Pretax return on assets | 1.0181% | 3,607 |
| Return on Equity (ROE) | 6.6162% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.4254% | 2,859 |
| Net charge-offs to loans | -0.0122% | 4,377 |
| Credit loss provision to net charge-offs | -4,006.6667% | 4,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0248% | 3,315 |
| Assets per employee ($millions) | 4.7279% | 2,783 |
| Cash dividends to net income (ytd only)* | 17.9986% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2571% | 5,438 |
| Loan loss allowance to noncurrent loans | 42.6003% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 2,851 |
| Noncurrent loans to loans | 0.6035% | 2,604 |
| Net loans and leases to total assets | 69.2412% | 2,685 |
| Net loans and leases to deposits | 87.8276% | 2,129 |
| Net loans and leases to core deposits | 101.9018% | 1,571 |
| Total domestic deposits to total assets | 78.8376% | 4,455 |
| Equity capital to assets | 12.2904% | 1,668 |
| Core capital (leverage) ratio | 8.5155% | 5,097 |
| Tier 1 risk-based capital ratio | 10.8909% | 5,113 |
| Total risk-based capital ratio | 11.1345% | 5,401 |
| Memoranda: | ||
| Average total assets | $342,596,000 | 1,959 |
| Average earning assets | $309,952,330 | 1,987 |
| Average equity | $41,988,000 | 1,792 |
| Average total loans | $246,550,000 | 1,856 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 1,078 |
| Cost of funding earning assets | 0.9843% | 396 |
| Net interest margin | 3.8179% | 2,345 |
| Noninterest income to average assets | 0.5110% | 2,742 |
| Noninterest expense to average assets | 2.6438% | 3,209 |
| Loan and lease loss provision to assets | 0.3457% | 352 |
| Net operating income to assets | 0.7723% | 3,824 |
| Return on assets (ROA) | 0.7723% | 3,820 |
| Pretax return on assets | 0.9715% | 3,628 |
| Return on Equity (ROE) | 6.3104% | 4,053 |
| Retained earnings to average equity (ytd only) | 3.9165% | 3,626 |
| Net charge-offs to loans | -0.0288% | 4,719 |
| Credit loss provision to net charge-offs | -1,638.8889% | 4,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7456% | 3,043 |
| Assets per employee ($millions) | 4.6472% | 2,933 |
| Cash dividends to net income (ytd only)* | 37.9363% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1276% | 5,534 |
| Loan loss allowance to noncurrent loans | 11.3078% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 1,818 |
| Noncurrent loans to loans | 1.1288% | 1,624 |
| Net loans and leases to total assets | 72.1921% | 2,140 |
| Net loans and leases to deposits | 91.6549% | 1,489 |
| Net loans and leases to core deposits | 112.4626% | 867 |
| Total domestic deposits to total assets | 78.7652% | 4,617 |
| Equity capital to assets | 12.2998% | 1,601 |
| Core capital (leverage) ratio | 8.2283% | 5,295 |
| Tier 1 risk-based capital ratio | 11.0881% | 5,088 |
| Total risk-based capital ratio | 11.2181% | 5,452 |
| Memoranda: | ||
| Average total assets | $341,324,000 | 1,976 |
| Average earning assets | $308,444,500 | 2,005 |
| Average equity | $41,772,500 | 1,804 |
| Average total loans | $250,027,500 | 1,850 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1188% | 5,666 |
| Cost of funding earning assets | 0.0204% | 5,642 |
| Net interest margin | 0.0984% | 5,665 |
| Noninterest income to average assets | 0.0214% | 5,580 |
| Noninterest expense to average assets | 0.0784% | 5,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0830% | 5,274 |
| Return on assets (ROA) | 0.0830% | 5,280 |
| Pretax return on assets | 0.0346% | 5,418 |
| Return on Equity (ROE) | 0.8314% | 5,257 |
| Retained earnings to average equity (ytd only) | 0.8314% | 4,696 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3767% | 2,640 |
| Assets per employee ($millions) | 4.7041% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,620 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 4,061 |
| Noncurrent loans to loans | 0.2147% | 4,053 |
| Net loans and leases to total assets | 74.2084% | 1,881 |
| Net loans and leases to deposits | 94.7679% | 1,194 |
| Net loans and leases to core deposits | 114.4495% | 778 |
| Total domestic deposits to total assets | 78.3054% | 4,667 |
| Equity capital to assets | 12.1777% | 1,716 |
| Core capital (leverage) ratio | 8.1823% | 5,361 |
| Tier 1 risk-based capital ratio | 10.6301% | 5,327 |
| Total risk-based capital ratio | 10.6301% | 5,599 |
| Memoranda: | ||
| Average total assets | $326,377,800 | 2,032 |
| Average earning assets | $303,879,400 | 2,023 |
| Average equity | $32,595,200 | 2,192 |
| Average total loans | $246,893,000 | 1,836 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3013% | 2,257 |
| Cost of funding earning assets | 0.5552% | 1,854 |
| Net interest margin | 3.7462% | 2,588 |
| Noninterest income to average assets | 0.6262% | 2,335 |
| Noninterest expense to average assets | 2.7455% | 2,910 |
| Loan and lease loss provision to assets | 0.1999% | 950 |
| Net operating income to assets | 0.8262% | 3,406 |
| Return on assets (ROA) | 0.8291% | 3,426 |
| Pretax return on assets | 1.2041% | 2,889 |
| Return on Equity (ROE) | 8.8169% | 2,719 |
| Retained earnings to average equity (ytd only) | 6.4399% | 1,992 |
| Net charge-offs to loans | 0.2265% | 956 |
| Credit loss provision to net charge-offs | 116.1058% | 2,059 |
| Earnings coverage of net charge-offs (x) | 8.1298% | 2,814 |
| Efficiency ratio | 66.2307% | 3,171 |
| Assets per employee ($millions) | 4.3483% | 3,394 |
| Cash dividends to net income (ytd only)* | 26.9595% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,875 |
| Loan loss allowance to noncurrent loans | 563.0802% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 4,217 |
| Noncurrent loans to loans | 0.1839% | 4,333 |
| Net loans and leases to total assets | 77.1655% | 1,401 |
| Net loans and leases to deposits | 100.8674% | 683 |
| Net loans and leases to core deposits | 122.7258% | 494 |
| Total domestic deposits to total assets | 76.5019% | 4,956 |
| Equity capital to assets | 9.4349% | 4,505 |
| Core capital (leverage) ratio | 9.1694% | 4,552 |
| Tier 1 risk-based capital ratio | 11.9559% | 4,660 |
| Total risk-based capital ratio | 13.0298% | 4,648 |
| Memoranda: | ||
| Average total assets | $322,122,500 | 2,068 |
| Average earning assets | $302,595,000 | 2,048 |
| Average equity | $30,289,500 | 2,357 |
| Average total loans | $244,908,500 | 1,853 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 2,368 |
| Cost of funding earning assets | 0.5089% | 2,102 |
| Net interest margin | 3.7188% | 2,587 |
| Noninterest income to average assets | 0.6551% | 2,182 |
| Noninterest expense to average assets | 2.7632% | 2,881 |
| Loan and lease loss provision to assets | 0.1221% | 1,699 |
| Net operating income to assets | 0.8637% | 3,105 |
| Return on assets (ROA) | 0.8680% | 3,134 |
| Pretax return on assets | 1.2632% | 2,524 |
| Return on Equity (ROE) | 9.2423% | 2,392 |
| Retained earnings to average equity (ytd only) | 6.8417% | 1,673 |
| Net charge-offs to loans | 0.0490% | 2,240 |
| Credit loss provision to net charge-offs | 330.5085% | 897 |
| Earnings coverage of net charge-offs (x) | 37.3220% | 1,303 |
| Efficiency ratio | 66.7070% | 3,225 |
| Assets per employee ($millions) | 4.1536% | 3,707 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 3,490 |
| Loan loss allowance to noncurrent loans | 364.5806% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3067% | 3,897 |
| Noncurrent loans to loans | 0.3060% | 3,944 |
| Net loans and leases to total assets | 75.8733% | 1,560 |
| Net loans and leases to deposits | 98.9230% | 818 |
| Net loans and leases to core deposits | 112.3056% | 892 |
| Total domestic deposits to total assets | 76.6994% | 5,002 |
| Equity capital to assets | 9.6237% | 4,292 |
| Core capital (leverage) ratio | 9.2512% | 4,432 |
| Tier 1 risk-based capital ratio | 12.3732% | 4,369 |
| Total risk-based capital ratio | 13.5304% | 4,325 |
| Memoranda: | ||
| Average total assets | $319,338,670 | 2,085 |
| Average earning assets | $299,450,000 | 2,062 |
| Average equity | $29,992,670 | 2,370 |
| Average total loans | $240,651,000 | 1,884 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1104% | 2,616 |
| Cost of funding earning assets | 0.4792% | 2,252 |
| Net interest margin | 3.6312% | 2,772 |
| Noninterest income to average assets | 0.5992% | 2,420 |
| Noninterest expense to average assets | 2.7641% | 2,911 |
| Loan and lease loss provision to assets | 0.1216% | 1,572 |
| Net operating income to assets | 0.7680% | 3,380 |
| Return on assets (ROA) | 0.7759% | 3,393 |
| Pretax return on assets | 1.1157% | 2,920 |
| Return on Equity (ROE) | 8.3650% | 2,736 |
| Retained earnings to average equity (ytd only) | 5.6623% | 2,513 |
| Net charge-offs to loans | 0.0201% | 2,378 |
| Credit loss provision to net charge-offs | 808.3333% | 387 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 644 |
| Efficiency ratio | 69.2743% | 3,000 |
| Assets per employee ($millions) | 4.1222% | 3,801 |
| Cash dividends to net income (ytd only)* | 32.3102% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 3,557 |
| Loan loss allowance to noncurrent loans | 342.7296% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 4,041 |
| Noncurrent loans to loans | 0.3279% | 3,946 |
| Net loans and leases to total assets | 74.4897% | 1,662 |
| Net loans and leases to deposits | 94.1778% | 1,089 |
| Net loans and leases to core deposits | 109.6320% | 890 |
| Total domestic deposits to total assets | 79.0947% | 4,806 |
| Equity capital to assets | 9.4240% | 4,370 |
| Core capital (leverage) ratio | 9.3426% | 4,286 |
| Tier 1 risk-based capital ratio | 12.4666% | 4,408 |
| Total risk-based capital ratio | 13.6351% | 4,366 |
| Memoranda: | ||
| Average total assets | $319,096,000 | 2,098 |
| Average earning assets | $297,973,000 | 2,083 |
| Average equity | $29,599,500 | 2,412 |
| Average total loans | $238,277,000 | 1,900 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2875% | 2,181 |
| Cost of funding earning assets | 0.4886% | 2,177 |
| Net interest margin | 3.7990% | 2,321 |
| Noninterest income to average assets | 0.7103% | 2,128 |
| Noninterest expense to average assets | 2.8352% | 2,903 |
| Loan and lease loss provision to assets | 0.1022% | 2,338 |
| Net operating income to assets | 0.8985% | 2,827 |
| Return on assets (ROA) | 0.9943% | 2,478 |
| Pretax return on assets | 1.4590% | 1,719 |
| Return on Equity (ROE) | 10.6280% | 1,720 |
| Retained earnings to average equity (ytd only) | 8.2000% | 787 |
| Net charge-offs to loans | 0.0660% | 2,752 |
| Credit loss provision to net charge-offs | 204.5455% | 1,381 |
| Earnings coverage of net charge-offs (x) | 28.4221% | 1,470 |
| Efficiency ratio | 66.6235% | 3,495 |
| Assets per employee ($millions) | 4.1660% | 3,673 |
| Cash dividends to net income (ytd only)* | 22.8460% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 3,734 |
| Loan loss allowance to noncurrent loans | 516.2698% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 4,435 |
| Noncurrent loans to loans | 0.2123% | 4,388 |
| Net loans and leases to total assets | 73.2046% | 1,974 |
| Net loans and leases to deposits | 90.7000% | 1,605 |
| Net loans and leases to core deposits | 105.1429% | 1,187 |
| Total domestic deposits to total assets | 80.7107% | 4,410 |
| Equity capital to assets | 9.1297% | 4,669 |
| Core capital (leverage) ratio | 9.0157% | 4,726 |
| Tier 1 risk-based capital ratio | 12.2468% | 4,542 |
| Total risk-based capital ratio | 13.3750% | 4,518 |
| Memoranda: | ||
| Average total assets | $308,163,400 | 2,121 |
| Average earning assets | $287,578,800 | 2,113 |
| Average equity | $28,829,400 | 2,466 |
| Average total loans | $233,409,200 | 1,882 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2781% | 2,232 |
| Cost of funding earning assets | 0.4818% | 2,243 |
| Net interest margin | 3.7962% | 2,348 |
| Noninterest income to average assets | 0.7304% | 2,044 |
| Noninterest expense to average assets | 2.8899% | 2,670 |
| Loan and lease loss provision to assets | 0.0953% | 2,315 |
| Net operating income to assets | 0.8855% | 2,979 |
| Return on assets (ROA) | 1.0098% | 2,524 |
| Pretax return on assets | 1.4823% | 1,767 |
| Return on Equity (ROE) | 10.7257% | 1,779 |
| Retained earnings to average equity (ytd only) | 8.1720% | 1,102 |
| Net charge-offs to loans | 0.0293% | 3,075 |
| Credit loss provision to net charge-offs | 427.4510% | 801 |
| Earnings coverage of net charge-offs (x) | 62.5671% | 925 |
| Efficiency ratio | 67.4454% | 3,327 |
| Assets per employee ($millions) | 4.0466% | 3,884 |
| Cash dividends to net income (ytd only)* | 23.8097% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,996 |
| Loan loss allowance to noncurrent loans | 269.9793% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 4,035 |
| Noncurrent loans to loans | 0.3976% | 3,845 |
| Net loans and leases to total assets | 76.1534% | 1,500 |
| Net loans and leases to deposits | 96.6451% | 984 |
| Net loans and leases to core deposits | 114.6831% | 699 |
| Total domestic deposits to total assets | 78.7969% | 4,767 |
| Equity capital to assets | 9.3493% | 4,822 |
| Core capital (leverage) ratio | 9.0721% | 4,753 |
| Tier 1 risk-based capital ratio | 11.5452% | 5,058 |
| Total risk-based capital ratio | 12.6346% | 5,064 |
| Memoranda: | ||
| Average total assets | $305,009,500 | 2,145 |
| Average earning assets | $285,574,500 | 2,133 |
| Average equity | $28,715,250 | 2,480 |
| Average total loans | $232,404,750 | 1,891 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2682% | 2,263 |
| Cost of funding earning assets | 0.4790% | 2,277 |
| Net interest margin | 3.7892% | 2,368 |
| Noninterest income to average assets | 0.7158% | 2,064 |
| Noninterest expense to average assets | 2.8739% | 2,760 |
| Loan and lease loss provision to assets | 0.0796% | 2,545 |
| Net operating income to assets | 0.8848% | 2,936 |
| Return on assets (ROA) | 1.0734% | 2,195 |
| Pretax return on assets | 1.5823% | 1,421 |
| Return on Equity (ROE) | 11.3742% | 1,521 |
| Retained earnings to average equity (ytd only) | 8.9138% | 876 |
| Net charge-offs to loans | 0.0061% | 3,478 |
| Credit loss provision to net charge-offs | 1,714.2857% | 235 |
| Earnings coverage of net charge-offs (x) | 298.1429% | 230 |
| Efficiency ratio | 67.4871% | 3,450 |
| Assets per employee ($millions) | 3.9826% | 3,944 |
| Cash dividends to net income (ytd only)* | 21.6316% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,985 |
| Loan loss allowance to noncurrent loans | 340.9880% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 4,325 |
| Noncurrent loans to loans | 0.3201% | 4,224 |
| Net loans and leases to total assets | 76.4544% | 1,417 |
| Net loans and leases to deposits | 97.6657% | 917 |
| Net loans and leases to core deposits | 110.6479% | 894 |
| Total domestic deposits to total assets | 78.2817% | 4,944 |
| Equity capital to assets | 9.6278% | 4,638 |
| Core capital (leverage) ratio | 9.0060% | 4,817 |
| Tier 1 risk-based capital ratio | 11.8119% | 4,966 |
| Total risk-based capital ratio | 12.9232% | 4,946 |
| Memoranda: | ||
| Average total assets | $301,466,670 | 2,175 |
| Average earning assets | $281,850,330 | 2,161 |
| Average equity | $28,450,330 | 2,497 |
| Average total loans | $228,880,670 | 1,923 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 2,278 |
| Cost of funding earning assets | 0.4772% | 2,310 |
| Net interest margin | 3.7804% | 2,371 |
| Noninterest income to average assets | 0.7020% | 2,034 |
| Noninterest expense to average assets | 2.8279% | 2,965 |
| Loan and lease loss provision to assets | 0.0864% | 2,237 |
| Net operating income to assets | 0.9062% | 2,723 |
| Return on assets (ROA) | 0.9081% | 2,836 |
| Pretax return on assets | 1.3189% | 2,229 |
| Return on Equity (ROE) | 9.7207% | 2,108 |
| Retained earnings to average equity (ytd only) | 6.8742% | 1,953 |
| Net charge-offs to loans | 0.0053% | 2,929 |
| Credit loss provision to net charge-offs | 2,166.6667% | 194 |
| Earnings coverage of net charge-offs (x) | 351.6667% | 168 |
| Efficiency ratio | 66.8448% | 3,660 |
| Assets per employee ($millions) | 4.1261% | 3,713 |
| Cash dividends to net income (ytd only)* | 29.2826% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 4,051 |
| Loan loss allowance to noncurrent loans | 309.7772% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5375% | 3,465 |
| Noncurrent loans to loans | 0.3550% | 4,158 |
| Net loans and leases to total assets | 74.7420% | 1,609 |
| Net loans and leases to deposits | 93.8843% | 1,156 |
| Net loans and leases to core deposits | 107.1951% | 1,008 |
| Total domestic deposits to total assets | 79.6108% | 4,832 |
| Equity capital to assets | 9.4370% | 4,733 |
| Core capital (leverage) ratio | 8.8653% | 5,006 |
| Tier 1 risk-based capital ratio | 11.6522% | 5,133 |
| Total risk-based capital ratio | 12.7586% | 5,133 |
| Memoranda: | ||
| Average total assets | $300,862,000 | 2,183 |
| Average earning assets | $280,814,000 | 2,175 |
| Average equity | $28,105,000 | 2,521 |
| Average total loans | $226,339,500 | 1,943 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 2,505 |
| Cost of funding earning assets | 0.4536% | 2,594 |
| Net interest margin | 3.7631% | 2,510 |
| Noninterest income to average assets | 0.6688% | 2,351 |
| Noninterest expense to average assets | 2.8053% | 3,202 |
| Loan and lease loss provision to assets | 0.1177% | 2,021 |
| Net operating income to assets | 0.8598% | 3,068 |
| Return on assets (ROA) | 0.8619% | 3,128 |
| Pretax return on assets | 1.2440% | 2,491 |
| Return on Equity (ROE) | 9.3475% | 2,294 |
| Retained earnings to average equity (ytd only) | 6.7344% | 1,413 |
| Net charge-offs to loans | 0.0982% | 2,437 |
| Credit loss provision to net charge-offs | 161.3208% | 1,669 |
| Earnings coverage of net charge-offs (x) | 18.6179% | 1,999 |
| Efficiency ratio | 67.3721% | 3,681 |
| Assets per employee ($millions) | 4.2326% | 3,517 |
| Cash dividends to net income (ytd only)* | 27.9553% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 4,121 |
| Loan loss allowance to noncurrent loans | 382.6019% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 3,416 |
| Noncurrent loans to loans | 0.2835% | 4,447 |
| Net loans and leases to total assets | 74.0746% | 1,714 |
| Net loans and leases to deposits | 93.2182% | 1,287 |
| Net loans and leases to core deposits | 105.4645% | 1,134 |
| Total domestic deposits to total assets | 79.4637% | 4,875 |
| Equity capital to assets | 9.2458% | 4,853 |
| Core capital (leverage) ratio | 8.7319% | 5,183 |
| Tier 1 risk-based capital ratio | 11.3230% | 5,366 |
| Total risk-based capital ratio | 12.3913% | 5,349 |
| Memoranda: | ||
| Average total assets | $290,519,400 | 2,205 |
| Average earning assets | $269,830,200 | 2,202 |
| Average equity | $26,787,800 | 2,571 |
| Average total loans | $215,882,000 | 1,952 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 2,613 |
| Cost of funding earning assets | 0.4449% | 2,734 |
| Net interest margin | 3.7450% | 2,584 |
| Noninterest income to average assets | 0.6722% | 2,375 |
| Noninterest expense to average assets | 2.8062% | 3,162 |
| Loan and lease loss provision to assets | 0.1134% | 1,993 |
| Net operating income to assets | 0.8517% | 3,167 |
| Return on assets (ROA) | 0.8545% | 3,241 |
| Pretax return on assets | 1.2323% | 2,687 |
| Return on Equity (ROE) | 9.2743% | 2,433 |
| Retained earnings to average equity (ytd only) | 5.7575% | 2,397 |
| Net charge-offs to loans | 0.1342% | 1,791 |
| Credit loss provision to net charge-offs | 113.9535% | 2,068 |
| Earnings coverage of net charge-offs (x) | 13.4790% | 2,323 |
| Efficiency ratio | 67.6563% | 3,603 |
| Assets per employee ($millions) | 4.1330% | 3,651 |
| Cash dividends to net income (ytd only)* | 37.9199% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 4,393 |
| Loan loss allowance to noncurrent loans | 452.8046% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5258% | 3,738 |
| Noncurrent loans to loans | 0.2362% | 4,725 |
| Net loans and leases to total assets | 73.7809% | 1,775 |
| Net loans and leases to deposits | 96.2519% | 979 |
| Net loans and leases to core deposits | 109.4100% | 910 |
| Total domestic deposits to total assets | 76.6540% | 5,398 |
| Equity capital to assets | 9.2586% | 5,049 |
| Core capital (leverage) ratio | 8.8084% | 5,230 |
| Tier 1 risk-based capital ratio | 11.2826% | 5,500 |
| Total risk-based capital ratio | 12.3302% | 5,509 |
| Memoranda: | ||
| Average total assets | $288,020,250 | 2,237 |
| Average earning assets | $267,302,500 | 2,230 |
| Average equity | $26,538,500 | 2,605 |
| Average total loans | $213,590,750 | 1,975 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 2,643 |
| Cost of funding earning assets | 0.4378% | 2,871 |
| Net interest margin | 3.7332% | 2,565 |
| Noninterest income to average assets | 0.6562% | 2,443 |
| Noninterest expense to average assets | 2.8343% | 3,117 |
| Loan and lease loss provision to assets | 0.1027% | 2,120 |
| Net operating income to assets | 0.8225% | 3,262 |
| Return on assets (ROA) | 0.8225% | 3,369 |
| Pretax return on assets | 1.1809% | 2,851 |
| Return on Equity (ROE) | 8.9409% | 2,581 |
| Retained earnings to average equity (ytd only) | 6.6620% | 1,869 |
| Net charge-offs to loans | 0.1784% | 1,386 |
| Credit loss provision to net charge-offs | 77.7778% | 2,362 |
| Earnings coverage of net charge-offs (x) | 9.7196% | 2,424 |
| Efficiency ratio | 68.8274% | 3,524 |
| Assets per employee ($millions) | 4.1158% | 3,649 |
| Cash dividends to net income (ytd only)* | 25.4885% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 4,478 |
| Loan loss allowance to noncurrent loans | 702.4768% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.4785% | 4,019 |
| Noncurrent loans to loans | 0.1526% | 5,140 |
| Net loans and leases to total assets | 73.7478% | 1,701 |
| Net loans and leases to deposits | 94.8859% | 1,058 |
| Net loans and leases to core deposits | 103.2167% | 1,245 |
| Total domestic deposits to total assets | 77.7225% | 5,329 |
| Equity capital to assets | 9.4098% | 4,767 |
| Core capital (leverage) ratio | 8.7097% | 5,309 |
| Tier 1 risk-based capital ratio | 11.3452% | 5,543 |
| Total risk-based capital ratio | 12.3775% | 5,577 |
| Memoranda: | ||
| Average total assets | $286,211,670 | 2,262 |
| Average earning assets | $265,405,330 | 2,266 |
| Average equity | $26,328,330 | 2,631 |
| Average total loans | $211,838,330 | 1,998 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 2,955 |
| Cost of funding earning assets | 0.4254% | 3,010 |
| Net interest margin | 3.6438% | 2,839 |
| Noninterest income to average assets | 0.5624% | 2,872 |
| Noninterest expense to average assets | 2.8205% | 3,176 |
| Loan and lease loss provision to assets | 0.0696% | 2,549 |
| Net operating income to assets | 0.7378% | 3,607 |
| Return on assets (ROA) | 0.7378% | 3,732 |
| Pretax return on assets | 1.0469% | 3,311 |
| Return on Equity (ROE) | 8.1130% | 2,904 |
| Retained earnings to average equity (ytd only) | 3.5207% | 3,885 |
| Net charge-offs to loans | 0.0736% | 1,973 |
| Credit loss provision to net charge-offs | 128.2051% | 1,385 |
| Earnings coverage of net charge-offs (x) | 20.5641% | 1,411 |
| Efficiency ratio | 71.6407% | 3,227 |
| Assets per employee ($millions) | 4.1385% | 3,683 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 4,589 |
| Loan loss allowance to noncurrent loans | 302.3438% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.7604% | 3,211 |
| Noncurrent loans to loans | 0.3590% | 4,520 |
| Net loans and leases to total assets | 73.0526% | 1,644 |
| Net loans and leases to deposits | 91.7411% | 1,221 |
| Net loans and leases to core deposits | 104.1465% | 1,058 |
| Total domestic deposits to total assets | 79.6291% | 5,137 |
| Equity capital to assets | 9.1012% | 5,193 |
| Core capital (leverage) ratio | 8.6136% | 5,406 |
| Tier 1 risk-based capital ratio | 10.9964% | 5,811 |
| Total risk-based capital ratio | 12.0475% | 5,827 |
| Memoranda: | ||
| Average total assets | $287,322,000 | 2,270 |
| Average earning assets | $266,092,500 | 2,276 |
| Average equity | $26,131,000 | 2,665 |
| Average total loans | $211,904,500 | 2,003 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 3,085 |
| Cost of funding earning assets | 0.4392% | 3,285 |
| Net interest margin | 3.7203% | 2,924 |
| Noninterest income to average assets | 0.6795% | 2,401 |
| Noninterest expense to average assets | 2.9518% | 2,995 |
| Loan and lease loss provision to assets | 0.1031% | 2,432 |
| Net operating income to assets | 0.7456% | 3,649 |
| Return on assets (ROA) | 0.7456% | 3,747 |
| Pretax return on assets | 1.0429% | 3,334 |
| Return on Equity (ROE) | 8.2747% | 2,980 |
| Retained earnings to average equity (ytd only) | 5.0644% | 2,554 |
| Net charge-offs to loans | 0.1273% | 2,754 |
| Credit loss provision to net charge-offs | 111.7647% | 2,131 |
| Earnings coverage of net charge-offs (x) | 12.4275% | 2,376 |
| Efficiency ratio | 72.0349% | 3,206 |
| Assets per employee ($millions) | 4.0133% | 3,931 |
| Cash dividends to net income (ytd only)* | 38.7973% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 4,532 |
| Loan loss allowance to noncurrent loans | 265.3272% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.8258% | 3,148 |
| Noncurrent loans to loans | 0.4150% | 4,400 |
| Net loans and leases to total assets | 72.8363% | 1,787 |
| Net loans and leases to deposits | 93.7938% | 1,093 |
| Net loans and leases to core deposits | 102.9842% | 1,185 |
| Total domestic deposits to total assets | 77.6558% | 5,497 |
| Equity capital to assets | 9.0880% | 5,195 |
| Core capital (leverage) ratio | 8.5077% | 5,556 |
| Tier 1 risk-based capital ratio | 11.0675% | 5,884 |
| Total risk-based capital ratio | 12.1365% | 5,883 |
| Memoranda: | ||
| Average total assets | $276,545,800 | 2,309 |
| Average earning assets | $254,091,400 | 2,316 |
| Average equity | $24,919,200 | 2,671 |
| Average total loans | $200,292,600 | 2,031 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 3,279 |
| Cost of funding earning assets | 0.4387% | 3,379 |
| Net interest margin | 3.6858% | 3,085 |
| Noninterest income to average assets | 0.6787% | 2,430 |
| Noninterest expense to average assets | 2.9217% | 3,048 |
| Loan and lease loss provision to assets | 0.1020% | 2,330 |
| Net operating income to assets | 0.7346% | 3,757 |
| Return on assets (ROA) | 0.7346% | 3,862 |
| Pretax return on assets | 1.0348% | 3,449 |
| Return on Equity (ROE) | 8.1700% | 3,120 |
| Retained earnings to average equity (ytd only) | 3.8473% | 3,915 |
| Net charge-offs to loans | 0.1563% | 2,244 |
| Credit loss provision to net charge-offs | 90.5172% | 2,420 |
| Earnings coverage of net charge-offs (x) | 10.0861% | 2,587 |
| Efficiency ratio | 71.9895% | 3,180 |
| Assets per employee ($millions) | 4.1177% | 3,626 |
| Cash dividends to net income (ytd only)* | 52.9100% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 4,839 |
| Loan loss allowance to noncurrent loans | 259.9540% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9049% | 3,179 |
| Noncurrent loans to loans | 0.4156% | 4,664 |
| Net loans and leases to total assets | 72.7998% | 1,713 |
| Net loans and leases to deposits | 88.5324% | 1,606 |
| Net loans and leases to core deposits | 98.6084% | 1,482 |
| Total domestic deposits to total assets | 82.2295% | 4,407 |
| Equity capital to assets | 8.9134% | 5,448 |
| Core capital (leverage) ratio | 8.4443% | 5,713 |
| Tier 1 risk-based capital ratio | 10.8898% | 6,047 |
| Total risk-based capital ratio | 11.9421% | 6,089 |
| Memoranda: | ||
| Average total assets | $274,445,750 | 2,339 |
| Average earning assets | $251,660,000 | 2,343 |
| Average equity | $24,675,000 | 2,704 |
| Average total loans | $197,902,000 | 2,068 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 3,371 |
| Cost of funding earning assets | 0.4348% | 3,496 |
| Net interest margin | 3.6595% | 3,108 |
| Noninterest income to average assets | 0.6519% | 2,530 |
| Noninterest expense to average assets | 2.9489% | 3,007 |
| Loan and lease loss provision to assets | 0.0996% | 2,363 |
| Net operating income to assets | 0.6895% | 3,899 |
| Return on assets (ROA) | 0.6895% | 3,990 |
| Pretax return on assets | 0.9608% | 3,640 |
| Return on Equity (ROE) | 7.6457% | 3,292 |
| Retained earnings to average equity (ytd only) | 4.3748% | 3,395 |
| Net charge-offs to loans | 0.2297% | 1,662 |
| Credit loss provision to net charge-offs | 60.5381% | 2,625 |
| Earnings coverage of net charge-offs (x) | 6.4484% | 2,772 |
| Efficiency ratio | 73.5516% | 3,052 |
| Assets per employee ($millions) | 4.0835% | 3,678 |
| Cash dividends to net income (ytd only)* | 42.7807% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 4,959 |
| Loan loss allowance to noncurrent loans | 252.6498% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 1.1837% | 2,713 |
| Noncurrent loans to loans | 0.4300% | 4,699 |
| Net loans and leases to total assets | 71.9123% | 1,762 |
| Net loans and leases to deposits | 86.8006% | 1,737 |
| Net loans and leases to core deposits | 97.4420% | 1,477 |
| Total domestic deposits to total assets | 82.8477% | 4,362 |
| Equity capital to assets | 9.0515% | 5,249 |
| Core capital (leverage) ratio | 8.6289% | 5,499 |
| Tier 1 risk-based capital ratio | 11.0799% | 6,019 |
| Total risk-based capital ratio | 12.1272% | 6,046 |
| Memoranda: | ||
| Average total assets | $271,220,000 | 2,364 |
| Average earning assets | $248,833,000 | 2,368 |
| Average equity | $24,458,330 | 2,714 |
| Average total loans | $194,169,330 | 2,096 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0361% | 3,536 |
| Cost of funding earning assets | 0.4309% | 3,642 |
| Net interest margin | 3.6052% | 3,226 |
| Noninterest income to average assets | 0.7627% | 1,900 |
| Noninterest expense to average assets | 3.0299% | 2,768 |
| Loan and lease loss provision to assets | 0.0373% | 3,313 |
| Net operating income to assets | 0.7090% | 3,639 |
| Return on assets (ROA) | 0.7090% | 3,720 |
| Pretax return on assets | 0.9926% | 3,351 |
| Return on Equity (ROE) | 7.8771% | 2,989 |
| Retained earnings to average equity (ytd only) | 1.2438% | 5,114 |
| Net charge-offs to loans | 0.3384% | 1,058 |
| Credit loss provision to net charge-offs | 15.5280% | 2,554 |
| Earnings coverage of net charge-offs (x) | 4.2857% | 2,548 |
| Efficiency ratio | 74.6324% | 3,027 |
| Assets per employee ($millions) | 3.8852% | 4,163 |
| Cash dividends to net income (ytd only)* | 84.2105% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 5,013 |
| Loan loss allowance to noncurrent loans | 142.1471% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 1.4048% | 2,525 |
| Noncurrent loans to loans | 0.7910% | 3,890 |
| Net loans and leases to total assets | 70.3587% | 1,825 |
| Net loans and leases to deposits | 87.2185% | 1,446 |
| Net loans and leases to core deposits | 97.8786% | 1,247 |
| Total domestic deposits to total assets | 80.6695% | 5,328 |
| Equity capital to assets | 9.0742% | 5,027 |
| Core capital (leverage) ratio | 8.6468% | 5,462 |
| Tier 1 risk-based capital ratio | 11.4020% | 5,964 |
| Total risk-based capital ratio | 12.4776% | 6,007 |
| Memoranda: | ||
| Average total assets | $267,991,500 | 2,393 |
| Average earning assets | $245,088,000 | 2,398 |
| Average equity | $24,120,500 | 2,746 |
| Average total loans | $190,315,500 | 2,132 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 3,367 |
| Cost of funding earning assets | 0.5033% | 3,573 |
| Net interest margin | 3.6899% | 3,099 |
| Noninterest income to average assets | 0.5804% | 3,209 |
| Noninterest expense to average assets | 3.2390% | 2,314 |
| Loan and lease loss provision to assets | 0.1308% | 2,673 |
| Net operating income to assets | 0.4668% | 4,885 |
| Return on assets (ROA) | 0.4788% | 4,967 |
| Pretax return on assets | 0.6077% | 4,855 |
| Return on Equity (ROE) | 5.0899% | 4,579 |
| Retained earnings to average equity (ytd only) | -1.1376% | 6,084 |
| Net charge-offs to loans | 0.1280% | 3,535 |
| Credit loss provision to net charge-offs | 152.9680% | 1,514 |
| Earnings coverage of net charge-offs (x) | 8.4566% | 2,666 |
| Efficiency ratio | 81.7447% | 1,914 |
| Assets per employee ($millions) | 3.7733% | 4,321 |
| Cash dividends to net income (ytd only)* | 122.3491% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 4,653 |
| Loan loss allowance to noncurrent loans | 150.4617% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 1.4781% | 2,517 |
| Noncurrent loans to loans | 0.7984% | 3,982 |
| Net loans and leases to total assets | 70.0206% | 2,005 |
| Net loans and leases to deposits | 86.5047% | 1,624 |
| Net loans and leases to core deposits | 94.1475% | 1,591 |
| Total domestic deposits to total assets | 80.9443% | 5,200 |
| Equity capital to assets | 8.9267% | 5,120 |
| Core capital (leverage) ratio | 8.7775% | 5,317 |
| Tier 1 risk-based capital ratio | 11.1306% | 6,107 |
| Total risk-based capital ratio | 12.2508% | 6,119 |
| Memoranda: | ||
| Average total assets | $256,034,000 | 2,472 |
| Average earning assets | $234,669,600 | 2,473 |
| Average equity | $24,086,800 | 2,723 |
| Average total loans | $171,116,400 | 2,291 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 3,744 |
| Cost of funding earning assets | 0.5185% | 3,581 |
| Net interest margin | 3.5855% | 3,512 |
| Noninterest income to average assets | 0.6264% | 3,009 |
| Noninterest expense to average assets | 3.2960% | 2,091 |
| Loan and lease loss provision to assets | 0.0711% | 3,645 |
| Net operating income to assets | 0.4300% | 5,112 |
| Return on assets (ROA) | 0.4463% | 5,181 |
| Pretax return on assets | 0.5664% | 5,147 |
| Return on Equity (ROE) | 4.6802% | 4,889 |
| Retained earnings to average equity (ytd only) | -3.6082% | 6,409 |
| Net charge-offs to loans | 0.0753% | 3,869 |
| Credit loss provision to net charge-offs | 143.6170% | 1,637 |
| Earnings coverage of net charge-offs (x) | 12.4574% | 2,132 |
| Efficiency ratio | 84.2332% | 1,565 |
| Assets per employee ($millions) | 3.6456% | 4,568 |
| Cash dividends to net income (ytd only)* | 177.0949% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 4,480 |
| Loan loss allowance to noncurrent loans | 144.7507% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.6530% | 2,487 |
| Noncurrent loans to loans | 0.8865% | 4,050 |
| Net loans and leases to total assets | 67.4640% | 2,379 |
| Net loans and leases to deposits | 87.9184% | 1,370 |
| Net loans and leases to core deposits | 96.3373% | 1,364 |
| Total domestic deposits to total assets | 76.7348% | 6,083 |
| Equity capital to assets | 9.4123% | 4,657 |
| Core capital (leverage) ratio | 9.2031% | 4,828 |
| Tier 1 risk-based capital ratio | 12.1225% | 5,704 |
| Total risk-based capital ratio | 13.3225% | 5,671 |
| Memoranda: | ||
| Average total assets | $253,066,500 | 2,518 |
| Average earning assets | $231,963,250 | 2,515 |
| Average equity | $24,129,750 | 2,748 |
| Average total loans | $166,428,250 | 2,345 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 3,823 |
| Cost of funding earning assets | 0.5436% | 3,478 |
| Net interest margin | 3.5350% | 3,632 |
| Noninterest income to average assets | 0.7509% | 2,409 |
| Noninterest expense to average assets | 3.2835% | 2,120 |
| Loan and lease loss provision to assets | 0.1065% | 3,019 |
| Net operating income to assets | 0.4677% | 4,935 |
| Return on assets (ROA) | 0.4914% | 5,013 |
| Pretax return on assets | 0.6381% | 4,881 |
| Return on Equity (ROE) | 5.1316% | 4,652 |
| Retained earnings to average equity (ytd only) | -4.7527% | 6,445 |
| Net charge-offs to loans | 0.0255% | 4,340 |
| Credit loss provision to net charge-offs | 642.8571% | 456 |
| Earnings coverage of net charge-offs (x) | 43.0952% | 881 |
| Efficiency ratio | 82.1429% | 1,869 |
| Assets per employee ($millions) | 3.5281% | 4,796 |
| Cash dividends to net income (ytd only)* | 192.6164% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 4,076 |
| Loan loss allowance to noncurrent loans | 131.2788% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 1.8826% | 2,300 |
| Noncurrent loans to loans | 1.0598% | 3,812 |
| Net loans and leases to total assets | 66.3515% | 2,530 |
| Net loans and leases to deposits | 79.7592% | 2,354 |
| Net loans and leases to core deposits | 91.1793% | 1,791 |
| Total domestic deposits to total assets | 83.1897% | 4,628 |
| Equity capital to assets | 9.6147% | 4,434 |
| Core capital (leverage) ratio | 9.1319% | 4,779 |
| Tier 1 risk-based capital ratio | 12.7711% | 5,308 |
| Total risk-based capital ratio | 14.0219% | 5,245 |
| Memoranda: | ||
| Average total assets | $253,574,330 | 2,521 |
| Average earning assets | $232,874,330 | 2,512 |
| Average equity | $24,281,000 | 2,742 |
| Average total loans | $164,602,000 | 2,374 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 4,135 |
| Cost of funding earning assets | 0.5457% | 3,615 |
| Net interest margin | 3.4495% | 3,913 |
| Noninterest income to average assets | 0.7052% | 2,562 |
| Noninterest expense to average assets | 3.2338% | 2,255 |
| Loan and lease loss provision to assets | 0.1547% | 2,322 |
| Net operating income to assets | 0.3823% | 5,201 |
| Return on assets (ROA) | 0.4299% | 5,165 |
| Pretax return on assets | 0.5444% | 5,133 |
| Return on Equity (ROE) | 4.4987% | 4,844 |
| Retained earnings to average equity (ytd only) | -14.9200% | 6,741 |
| Net charge-offs to loans | 0.0582% | 3,240 |
| Credit loss provision to net charge-offs | 416.6667% | 617 |
| Earnings coverage of net charge-offs (x) | 17.2083% | 1,331 |
| Efficiency ratio | 83.5064% | 1,834 |
| Assets per employee ($millions) | 3.5947% | 4,793 |
| Cash dividends to net income (ytd only)* | 431.6547% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 4,442 |
| Loan loss allowance to noncurrent loans | 179.1367% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 1.6993% | 2,742 |
| Noncurrent loans to loans | 0.7566% | 4,613 |
| Net loans and leases to total assets | 63.9027% | 2,727 |
| Net loans and leases to deposits | 75.9217% | 2,649 |
| Net loans and leases to core deposits | 85.6434% | 2,145 |
| Total domestic deposits to total assets | 84.1692% | 4,406 |
| Equity capital to assets | 9.4909% | 4,861 |
| Core capital (leverage) ratio | 8.9741% | 4,932 |
| Tier 1 risk-based capital ratio | 12.5006% | 5,576 |
| Total risk-based capital ratio | 13.7509% | 5,530 |
| Memoranda: | ||
| Average total assets | $258,641,500 | 2,506 |
| Average earning assets | $237,480,500 | 2,494 |
| Average equity | $24,718,500 | 2,731 |
| Average total loans | $165,000,500 | 2,381 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3265% | 4,100 |
| Cost of funding earning assets | 0.6631% | 3,801 |
| Net interest margin | 3.6634% | 3,811 |
| Noninterest income to average assets | 0.5642% | 3,486 |
| Noninterest expense to average assets | 3.1380% | 2,815 |
| Loan and lease loss provision to assets | 0.4858% | 1,256 |
| Net operating income to assets | 0.2321% | 5,696 |
| Return on assets (ROA) | 0.4761% | 5,030 |
| Pretax return on assets | 0.6181% | 4,939 |
| Return on Equity (ROE) | 4.9194% | 4,714 |
| Retained earnings to average equity (ytd only) | 2.9033% | 4,190 |
| Net charge-offs to loans | 0.7647% | 1,532 |
| Credit loss provision to net charge-offs | 103.8365% | 2,879 |
| Earnings coverage of net charge-offs (x) | 1.6822% | 4,597 |
| Efficiency ratio | 79.9483% | 2,154 |
| Assets per employee ($millions) | 3.6910% | 4,583 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 4,553 |
| Loan loss allowance to noncurrent loans | 207.3755% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 1.7313% | 2,799 |
| Noncurrent loans to loans | 0.6340% | 4,936 |
| Net loans and leases to total assets | 62.0089% | 3,250 |
| Net loans and leases to deposits | 74.4846% | 3,028 |
| Net loans and leases to core deposits | 83.8545% | 2,567 |
| Total domestic deposits to total assets | 83.2507% | 4,621 |
| Equity capital to assets | 9.6215% | 4,702 |
| Core capital (leverage) ratio | 9.1401% | 4,676 |
| Tier 1 risk-based capital ratio | 12.8891% | 5,186 |
| Total risk-based capital ratio | 14.1057% | 5,152 |
| Memoranda: | ||
| Average total assets | $256,274,400 | 2,475 |
| Average earning assets | $235,108,800 | 2,454 |
| Average equity | $24,799,600 | 2,677 |
| Average total loans | $156,798,600 | 2,474 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4046% | 4,028 |
| Cost of funding earning assets | 0.6986% | 3,777 |
| Net interest margin | 3.7060% | 3,772 |
| Noninterest income to average assets | 0.6341% | 3,078 |
| Noninterest expense to average assets | 3.1435% | 2,740 |
| Loan and lease loss provision to assets | 0.6514% | 810 |
| Net operating income to assets | 0.1825% | 5,959 |
| Return on assets (ROA) | 0.4704% | 5,213 |
| Pretax return on assets | 0.6179% | 5,114 |
| Return on Equity (ROE) | 4.8536% | 4,892 |
| Retained earnings to average equity (ytd only) | 2.1542% | 5,250 |
| Net charge-offs to loans | 0.9481% | 1,133 |
| Credit loss provision to net charge-offs | 113.0790% | 2,583 |
| Earnings coverage of net charge-offs (x) | 1.5459% | 4,505 |
| Efficiency ratio | 77.9248% | 2,411 |
| Assets per employee ($millions) | 3.5403% | 4,876 |
| Cash dividends to net income (ytd only)* | 55.6172% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 4,207 |
| Loan loss allowance to noncurrent loans | 180.6065% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 2.0473% | 2,585 |
| Noncurrent loans to loans | 0.7957% | 4,814 |
| Net loans and leases to total assets | 61.7507% | 3,434 |
| Net loans and leases to deposits | 74.0305% | 3,279 |
| Net loans and leases to core deposits | 85.9799% | 2,468 |
| Total domestic deposits to total assets | 83.4126% | 4,474 |
| Equity capital to assets | 9.9845% | 4,518 |
| Core capital (leverage) ratio | 9.3176% | 4,549 |
| Tier 1 risk-based capital ratio | 13.2089% | 5,089 |
| Total risk-based capital ratio | 14.4598% | 5,054 |
| Memoranda: | ||
| Average total assets | $254,828,250 | 2,507 |
| Average earning assets | $233,779,750 | 2,492 |
| Average equity | $24,696,000 | 2,712 |
| Average total loans | $154,832,000 | 2,536 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 4,057 |
| Cost of funding earning assets | 0.7358% | 3,715 |
| Net interest margin | 3.6952% | 3,846 |
| Noninterest income to average assets | 0.4891% | 3,995 |
| Noninterest expense to average assets | 3.0502% | 3,083 |
| Loan and lease loss provision to assets | 0.5430% | 1,137 |
| Net operating income to assets | 0.2092% | 5,887 |
| Return on assets (ROA) | 0.5868% | 4,686 |
| Pretax return on assets | 0.7961% | 4,487 |
| Return on Equity (ROE) | 6.1151% | 4,268 |
| Retained earnings to average equity (ytd only) | 2.0438% | 5,182 |
| Net charge-offs to loans | 0.9081% | 1,213 |
| Credit loss provision to net charge-offs | 99.4278% | 2,794 |
| Earnings coverage of net charge-offs (x) | 1.5179% | 4,233 |
| Efficiency ratio | 78.6304% | 2,381 |
| Assets per employee ($millions) | 3.4815% | 5,021 |
| Cash dividends to net income (ytd only)* | 66.5779% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 4,487 |
| Loan loss allowance to noncurrent loans | 115.0082% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 2.3089% | 2,425 |
| Noncurrent loans to loans | 1.2132% | 4,129 |
| Net loans and leases to total assets | 61.3319% | 3,569 |
| Net loans and leases to deposits | 73.5221% | 3,374 |
| Net loans and leases to core deposits | 87.0555% | 2,307 |
| Total domestic deposits to total assets | 83.4197% | 4,568 |
| Equity capital to assets | 10.1196% | 4,160 |
| Core capital (leverage) ratio | 9.0079% | 4,903 |
| Tier 1 risk-based capital ratio | 13.4377% | 4,876 |
| Total risk-based capital ratio | 14.6882% | 4,833 |
| Memoranda: | ||
| Average total assets | $255,984,670 | 2,489 |
| Average earning assets | $234,842,330 | 2,475 |
| Average equity | $24,562,330 | 2,714 |
| Average total loans | $153,949,670 | 2,550 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 4,290 |
| Cost of funding earning assets | 0.7625% | 3,769 |
| Net interest margin | 3.6475% | 4,052 |
| Noninterest income to average assets | 0.3876% | 4,766 |
| Noninterest expense to average assets | 2.8704% | 3,743 |
| Loan and lease loss provision to assets | 0.3433% | 1,821 |
| Net operating income to assets | 0.3932% | 5,284 |
| Return on assets (ROA) | 0.5173% | 4,961 |
| Pretax return on assets | 0.6806% | 4,858 |
| Return on Equity (ROE) | 5.5319% | 4,534 |
| Retained earnings to average equity (ytd only) | -2.6272% | 6,351 |
| Net charge-offs to loans | 0.5234% | 1,781 |
| Credit loss provision to net charge-offs | 110.8374% | 2,120 |
| Earnings coverage of net charge-offs (x) | 2.7783% | 3,069 |
| Efficiency ratio | 76.9325% | 2,658 |
| Assets per employee ($millions) | 3.6937% | 4,665 |
| Cash dividends to net income (ytd only)* | 147.4926% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 4,545 |
| Loan loss allowance to noncurrent loans | 87.3521% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 2.2540% | 2,644 |
| Noncurrent loans to loans | 1.6192% | 3,690 |
| Net loans and leases to total assets | 57.7180% | 4,082 |
| Net loans and leases to deposits | 70.3148% | 3,686 |
| Net loans and leases to core deposits | 81.5522% | 2,890 |
| Total domestic deposits to total assets | 82.0852% | 5,267 |
| Equity capital to assets | 9.4354% | 4,891 |
| Core capital (leverage) ratio | 8.6597% | 5,361 |
| Tier 1 risk-based capital ratio | 13.4258% | 4,880 |
| Total risk-based capital ratio | 14.6766% | 4,872 |
| Memoranda: | ||
| Average total assets | $262,124,500 | 2,460 |
| Average earning assets | $240,271,000 | 2,447 |
| Average equity | $24,512,500 | 2,712 |
| Average total loans | $155,132,500 | 2,556 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 3,465 |
| Cost of funding earning assets | 1.0032% | 3,354 |
| Net interest margin | 3.8737% | 3,454 |
| Noninterest income to average assets | 0.5330% | 3,630 |
| Noninterest expense to average assets | 3.3354% | 2,402 |
| Loan and lease loss provision to assets | 0.4085% | 2,550 |
| Net operating income to assets | 0.2745% | 5,350 |
| Return on assets (ROA) | 0.2767% | 5,495 |
| Pretax return on assets | 0.3436% | 5,443 |
| Return on Equity (ROE) | 2.9930% | 5,283 |
| Retained earnings to average equity (ytd only) | 2.9930% | 4,097 |
| Net charge-offs to loans | 0.9218% | 1,881 |
| Credit loss provision to net charge-offs | 68.9048% | 4,893 |
| Earnings coverage of net charge-offs (x) | 1.2640% | 4,838 |
| Efficiency ratio | 81.6539% | 2,069 |
| Assets per employee ($millions) | 3.6902% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 4,736 |
| Loan loss allowance to noncurrent loans | 110.1351% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 2.1096% | 2,836 |
| Noncurrent loans to loans | 1.2109% | 4,348 |
| Net loans and leases to total assets | 59.0048% | 4,197 |
| Net loans and leases to deposits | 69.9971% | 4,101 |
| Net loans and leases to core deposits | 81.3153% | 3,280 |
| Total domestic deposits to total assets | 84.2961% | 4,191 |
| Equity capital to assets | 9.2698% | 5,182 |
| Core capital (leverage) ratio | 8.7515% | 5,169 |
| Tier 1 risk-based capital ratio | 13.0616% | 5,014 |
| Total risk-based capital ratio | 14.3073% | 4,995 |
| Memoranda: | ||
| Average total assets | $258,738,400 | 2,435 |
| Average earning assets | $237,239,400 | 2,433 |
| Average equity | $23,922,400 | 2,676 |
| Average total loans | $166,417,600 | 2,409 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9603% | 3,288 |
| Cost of funding earning assets | 1.0612% | 3,239 |
| Net interest margin | 3.8991% | 3,384 |
| Noninterest income to average assets | 0.5458% | 3,540 |
| Noninterest expense to average assets | 3.3670% | 2,288 |
| Loan and lease loss provision to assets | 0.4150% | 2,387 |
| Net operating income to assets | 0.2550% | 5,551 |
| Return on assets (ROA) | 0.2573% | 5,698 |
| Pretax return on assets | 0.3429% | 5,616 |
| Return on Equity (ROE) | 2.7850% | 5,509 |
| Retained earnings to average equity (ytd only) | 2.7850% | 4,694 |
| Net charge-offs to loans | 0.9372% | 1,715 |
| Credit loss provision to net charge-offs | 67.6247% | 4,558 |
| Earnings coverage of net charge-offs (x) | 1.2299% | 4,697 |
| Efficiency ratio | 81.6866% | 2,018 |
| Assets per employee ($millions) | 3.4271% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 4,670 |
| Loan loss allowance to noncurrent loans | 67.6965% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 2.8584% | 2,266 |
| Noncurrent loans to loans | 2.0288% | 3,331 |
| Net loans and leases to total assets | 64.4028% | 3,228 |
| Net loans and leases to deposits | 78.1426% | 2,957 |
| Net loans and leases to core deposits | 92.3387% | 1,961 |
| Total domestic deposits to total assets | 82.4170% | 4,917 |
| Equity capital to assets | 9.8594% | 4,533 |
| Core capital (leverage) ratio | 8.7339% | 5,359 |
| Tier 1 risk-based capital ratio | 12.6787% | 5,345 |
| Total risk-based capital ratio | 13.9287% | 5,322 |
| Memoranda: | ||
| Average total assets | $257,000,000 | 2,462 |
| Average earning assets | $235,705,250 | 2,454 |
| Average equity | $23,745,750 | 2,699 |
| Average total loans | $168,299,500 | 2,405 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 4,019 |
| Cost of funding earning assets | 1.1179% | 3,107 |
| Net interest margin | 3.7000% | 4,258 |
| Noninterest income to average assets | 0.4170% | 4,536 |
| Noninterest expense to average assets | 3.2356% | 2,789 |
| Loan and lease loss provision to assets | 0.2688% | 3,244 |
| Net operating income to assets | 0.2295% | 5,630 |
| Return on assets (ROA) | 0.2358% | 5,729 |
| Pretax return on assets | 0.3172% | 5,629 |
| Return on Equity (ROE) | 2.6070% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.6070% | 4,635 |
| Net charge-offs to loans | 0.7476% | 2,006 |
| Credit loss provision to net charge-offs | 54.8589% | 4,460 |
| Earnings coverage of net charge-offs (x) | 1.1787% | 4,396 |
| Efficiency ratio | 84.8540% | 1,718 |
| Assets per employee ($millions) | 3.5909% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 4,549 |
| Loan loss allowance to noncurrent loans | 44.6508% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 3.2176% | 2,085 |
| Noncurrent loans to loans | 3.1447% | 2,286 |
| Net loans and leases to total assets | 62.6837% | 3,748 |
| Net loans and leases to deposits | 74.9631% | 3,650 |
| Net loans and leases to core deposits | 89.5753% | 2,428 |
| Total domestic deposits to total assets | 83.6194% | 4,500 |
| Equity capital to assets | 9.2247% | 5,245 |
| Core capital (leverage) ratio | 8.4592% | 5,616 |
| Tier 1 risk-based capital ratio | 12.4764% | 5,371 |
| Total risk-based capital ratio | 13.7275% | 5,345 |
| Memoranda: | ||
| Average total assets | $260,416,670 | 2,452 |
| Average earning assets | $239,028,670 | 2,432 |
| Average equity | $23,551,670 | 2,692 |
| Average total loans | $170,690,330 | 2,402 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8586% | 3,778 |
| Cost of funding earning assets | 1.1747% | 2,985 |
| Net interest margin | 3.6839% | 4,186 |
| Noninterest income to average assets | 0.4347% | 4,416 |
| Noninterest expense to average assets | 3.2309% | 2,776 |
| Loan and lease loss provision to assets | 0.3061% | 2,721 |
| Net operating income to assets | 0.2066% | 5,765 |
| Return on assets (ROA) | 0.2066% | 5,827 |
| Pretax return on assets | 0.2862% | 5,700 |
| Return on Equity (ROE) | 2.3074% | 5,684 |
| Retained earnings to average equity (ytd only) | 2.3074% | 4,771 |
| Net charge-offs to loans | 0.5292% | 2,169 |
| Credit loss provision to net charge-offs | 86.9565% | 2,995 |
| Earnings coverage of net charge-offs (x) | 1.6826% | 3,471 |
| Efficiency ratio | 84.5076% | 1,897 |
| Assets per employee ($millions) | 3.6143% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 4,035 |
| Loan loss allowance to noncurrent loans | 36.6101% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 3.6837% | 1,840 |
| Noncurrent loans to loans | 4.1882% | 1,711 |
| Net loans and leases to total assets | 63.3229% | 3,581 |
| Net loans and leases to deposits | 77.3954% | 3,177 |
| Net loans and leases to core deposits | 89.2867% | 2,443 |
| Total domestic deposits to total assets | 81.8175% | 5,383 |
| Equity capital to assets | 9.0213% | 5,174 |
| Core capital (leverage) ratio | 8.2979% | 5,815 |
| Tier 1 risk-based capital ratio | 12.5513% | 5,219 |
| Total risk-based capital ratio | 13.8042% | 5,191 |
| Memoranda: | ||
| Average total assets | $261,353,000 | 2,462 |
| Average earning assets | $240,397,500 | 2,444 |
| Average equity | $23,402,500 | 2,699 |
| Average total loans | $173,849,000 | 2,376 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5227% | 2,195 |
| Cost of funding earning assets | 1.5280% | 2,491 |
| Net interest margin | 3.9947% | 3,044 |
| Noninterest income to average assets | 0.5112% | 4,085 |
| Noninterest expense to average assets | 3.1616% | 3,229 |
| Loan and lease loss provision to assets | 0.9162% | 1,786 |
| Net operating income to assets | 0.0911% | 5,608 |
| Return on assets (ROA) | -0.1029% | 6,056 |
| Pretax return on assets | -0.2223% | 6,106 |
| Return on Equity (ROE) | -1.1754% | 6,079 |
| Retained earnings to average equity (ytd only) | -4.3169% | 6,232 |
| Net charge-offs to loans | 1.0412% | 2,120 |
| Credit loss provision to net charge-offs | 121.2481% | 3,468 |
| Earnings coverage of net charge-offs (x) | 1.3195% | 4,788 |
| Efficiency ratio | 76.0259% | 3,052 |
| Assets per employee ($millions) | 3.8600% | 4,112 |
| Cash dividends to net income (ytd only)* | -267.2727% | 7,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 4,330 |
| Loan loss allowance to noncurrent loans | 35.8514% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 3.4559% | 2,016 |
| Noncurrent loans to loans | 4.0150% | 1,805 |
| Net loans and leases to total assets | 67.7207% | 3,053 |
| Net loans and leases to deposits | 83.0559% | 2,615 |
| Net loans and leases to core deposits | 96.0002% | 2,013 |
| Total domestic deposits to total assets | 81.5364% | 5,344 |
| Equity capital to assets | 8.8880% | 5,306 |
| Core capital (leverage) ratio | 8.1614% | 5,892 |
| Tier 1 risk-based capital ratio | 11.6614% | 5,760 |
| Total risk-based capital ratio | 12.9137% | 5,764 |
| Memoranda: | ||
| Average total assets | $267,204,400 | 2,387 |
| Average earning assets | $243,975,600 | 2,396 |
| Average equity | $23,396,200 | 2,714 |
| Average total loans | $193,913,000 | 2,210 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5988% | 2,069 |
| Cost of funding earning assets | 1.5908% | 2,441 |
| Net interest margin | 4.0080% | 3,066 |
| Noninterest income to average assets | 0.5624% | 3,700 |
| Noninterest expense to average assets | 3.5605% | 1,880 |
| Loan and lease loss provision to assets | 0.7238% | 2,111 |
| Net operating income to assets | -0.0105% | 6,019 |
| Return on assets (ROA) | -0.0124% | 6,148 |
| Pretax return on assets | -0.0725% | 6,190 |
| Return on Equity (ROE) | -0.1424% | 6,153 |
| Retained earnings to average equity (ytd only) | -4.3280% | 6,498 |
| Net charge-offs to loans | 1.0400% | 1,943 |
| Credit loss provision to net charge-offs | 94.6719% | 4,578 |
| Earnings coverage of net charge-offs (x) | 0.8558% | 5,194 |
| Efficiency ratio | 84.4767% | 1,789 |
| Assets per employee ($millions) | 3.8906% | 4,051 |
| Cash dividends to net income (ytd only)* | -2,940.2340% | 7,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 5,966 |
| Loan loss allowance to noncurrent loans | 34.5886% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 3.1293% | 2,307 |
| Noncurrent loans to loans | 3.1622% | 2,515 |
| Net loans and leases to total assets | 71.2666% | 2,413 |
| Net loans and leases to deposits | 86.5043% | 2,237 |
| Net loans and leases to core deposits | 103.7941% | 1,506 |
| Total domestic deposits to total assets | 82.3851% | 4,844 |
| Equity capital to assets | 8.8819% | 5,730 |
| Core capital (leverage) ratio | 8.1193% | 6,167 |
| Tier 1 risk-based capital ratio | 11.3956% | 6,026 |
| Total risk-based capital ratio | 12.5031% | 6,134 |
| Memoranda: | ||
| Average total assets | $268,386,000 | 2,412 |
| Average earning assets | $244,570,500 | 2,424 |
| Average equity | $23,413,000 | 2,758 |
| Average total loans | $197,304,250 | 2,215 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6415% | 1,976 |
| Cost of funding earning assets | 1.6514% | 2,380 |
| Net interest margin | 3.9902% | 3,066 |
| Noninterest income to average assets | 0.5474% | 3,734 |
| Noninterest expense to average assets | 3.5860% | 1,815 |
| Loan and lease loss provision to assets | 0.9100% | 1,600 |
| Net operating income to assets | -0.1676% | 6,314 |
| Return on assets (ROA) | -0.1676% | 6,374 |
| Pretax return on assets | -0.3197% | 6,451 |
| Return on Equity (ROE) | -1.9329% | 6,411 |
| Retained earnings to average equity (ytd only) | -6.5941% | 6,704 |
| Net charge-offs to loans | 0.7167% | 2,427 |
| Credit loss provision to net charge-offs | 171.6084% | 2,275 |
| Earnings coverage of net charge-offs (x) | 1.1133% | 4,679 |
| Efficiency ratio | 85.8640% | 1,725 |
| Assets per employee ($millions) | 4.0594% | 3,653 |
| Cash dividends to net income (ytd only)* | -241.1504% | 7,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 4,588 |
| Loan loss allowance to noncurrent loans | 37.6476% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 3.6187% | 1,937 |
| Noncurrent loans to loans | 3.6350% | 2,172 |
| Net loans and leases to total assets | 69.9482% | 2,912 |
| Net loans and leases to deposits | 85.7607% | 2,545 |
| Net loans and leases to core deposits | 103.8868% | 1,652 |
| Total domestic deposits to total assets | 81.5621% | 5,173 |
| Equity capital to assets | 8.4470% | 6,234 |
| Core capital (leverage) ratio | 8.0288% | 6,237 |
| Tier 1 risk-based capital ratio | 11.0531% | 6,184 |
| Total risk-based capital ratio | 12.3047% | 6,169 |
| Memoranda: | ||
| Average total assets | $269,661,330 | 2,427 |
| Average earning assets | $245,253,000 | 2,438 |
| Average equity | $23,384,670 | 2,752 |
| Average total loans | $199,529,670 | 2,220 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7140% | 1,725 |
| Cost of funding earning assets | 1.7605% | 2,069 |
| Net interest margin | 3.9536% | 3,084 |
| Noninterest income to average assets | 0.5299% | 3,817 |
| Noninterest expense to average assets | 3.7873% | 1,347 |
| Loan and lease loss provision to assets | 0.8031% | 1,575 |
| Net operating income to assets | -0.2672% | 6,622 |
| Return on assets (ROA) | -0.2672% | 6,682 |
| Pretax return on assets | -0.4804% | 6,764 |
| Return on Equity (ROE) | -3.0403% | 6,744 |
| Retained earnings to average equity (ytd only) | -10.9828% | 7,015 |
| Net charge-offs to loans | 0.4429% | 2,719 |
| Credit loss provision to net charge-offs | 239.9103% | 1,605 |
| Earnings coverage of net charge-offs (x) | 0.9641% | 4,194 |
| Efficiency ratio | 92.1476% | 1,269 |
| Assets per employee ($millions) | 3.9519% | 3,992 |
| Cash dividends to net income (ytd only)* | -261.2360% | 7,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 5,273 |
| Loan loss allowance to noncurrent loans | 35.0537% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 4.1050% | 1,668 |
| Noncurrent loans to loans | 3.5414% | 2,253 |
| Net loans and leases to total assets | 74.4839% | 1,861 |
| Net loans and leases to deposits | 94.5834% | 1,282 |
| Net loans and leases to core deposits | 111.9866% | 1,165 |
| Total domestic deposits to total assets | 78.7494% | 6,137 |
| Equity capital to assets | 8.7180% | 5,704 |
| Core capital (leverage) ratio | 8.0848% | 6,111 |
| Tier 1 risk-based capital ratio | 10.8203% | 6,328 |
| Total risk-based capital ratio | 12.0638% | 6,312 |
| Memoranda: | ||
| Average total assets | $266,472,000 | 2,505 |
| Average earning assets | $241,300,500 | 2,523 |
| Average equity | $23,418,500 | 2,776 |
| Average total loans | $201,412,500 | 2,266 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0923% | 1,537 |
| Cost of funding earning assets | 2.3059% | 1,632 |
| Net interest margin | 3.7864% | 3,769 |
| Noninterest income to average assets | 0.4390% | 4,889 |
| Noninterest expense to average assets | 3.0191% | 4,075 |
| Loan and lease loss provision to assets | 0.7387% | 2,897 |
| Net operating income to assets | 0.1313% | 5,109 |
| Return on assets (ROA) | 0.0618% | 5,361 |
| Pretax return on assets | 0.0508% | 5,328 |
| Return on Equity (ROE) | 0.7263% | 5,320 |
| Retained earnings to average equity (ytd only) | -1.9694% | 5,510 |
| Net charge-offs to loans | 1.0023% | 2,408 |
| Credit loss provision to net charge-offs | 96.9622% | 5,732 |
| Earnings coverage of net charge-offs (x) | 1.1275% | 4,989 |
| Efficiency ratio | 77.8495% | 3,216 |
| Assets per employee ($millions) | 4.1902% | 3,460 |
| Cash dividends to net income (ytd only)* | 371.1656% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 6,059 |
| Loan loss allowance to noncurrent loans | 62.7570% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.9843% | 2,351 |
| Noncurrent loans to loans | 1.6999% | 4,093 |
| Net loans and leases to total assets | 74.9394% | 2,047 |
| Net loans and leases to deposits | 97.3272% | 1,173 |
| Net loans and leases to core deposits | 128.9502% | 1,334 |
| Total domestic deposits to total assets | 76.9974% | 6,477 |
| Equity capital to assets | 8.8578% | 5,345 |
| Core capital (leverage) ratio | 8.0903% | 6,008 |
| Tier 1 risk-based capital ratio | 10.8461% | 6,067 |
| Total risk-based capital ratio | 11.9042% | 6,223 |
| Memoranda: | ||
| Average total assets | $263,554,000 | 2,483 |
| Average earning assets | $239,382,400 | 2,503 |
| Average equity | $22,443,200 | 2,897 |
| Average total loans | $200,349,200 | 2,296 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0861% | 1,700 |
| Cost of funding earning assets | 2.4112% | 1,599 |
| Net interest margin | 3.6749% | 4,185 |
| Noninterest income to average assets | 0.5406% | 4,153 |
| Noninterest expense to average assets | 3.1280% | 3,546 |
| Loan and lease loss provision to assets | 0.5513% | 3,182 |
| Net operating income to assets | 0.1575% | 5,296 |
| Return on assets (ROA) | 0.1641% | 5,334 |
| Pretax return on assets | 0.2139% | 5,265 |
| Return on Equity (ROE) | 1.9473% | 5,182 |
| Retained earnings to average equity (ytd only) | -1.3685% | 5,577 |
| Net charge-offs to loans | 0.8368% | 2,287 |
| Credit loss provision to net charge-offs | 86.5922% | 5,576 |
| Earnings coverage of net charge-offs (x) | 1.1883% | 4,876 |
| Efficiency ratio | 80.5232% | 2,771 |
| Assets per employee ($millions) | 4.3791% | 3,072 |
| Cash dividends to net income (ytd only)* | 170.2782% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 6,221 |
| Loan loss allowance to noncurrent loans | 42.2045% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 2.9237% | 2,372 |
| Noncurrent loans to loans | 2.3937% | 3,149 |
| Net loans and leases to total assets | 72.0208% | 3,034 |
| Net loans and leases to deposits | 91.8861% | 2,251 |
| Net loans and leases to core deposits | 126.9650% | 1,654 |
| Total domestic deposits to total assets | 78.3805% | 5,986 |
| Equity capital to assets | 8.2797% | 6,532 |
| Core capital (leverage) ratio | 8.1904% | 6,030 |
| Tier 1 risk-based capital ratio | 10.5781% | 6,373 |
| Total risk-based capital ratio | 11.5856% | 6,578 |
| Memoranda: | ||
| Average total assets | $262,400,000 | 2,508 |
| Average earning assets | $238,766,250 | 2,534 |
| Average equity | $22,115,500 | 2,961 |
| Average total loans | $199,653,500 | 2,325 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2388% | 1,360 |
| Cost of funding earning assets | 2.5556% | 1,425 |
| Net interest margin | 3.6833% | 4,027 |
| Noninterest income to average assets | 0.5233% | 4,247 |
| Noninterest expense to average assets | 3.0416% | 3,912 |
| Loan and lease loss provision to assets | 0.6122% | 2,605 |
| Net operating income to assets | 0.1654% | 5,369 |
| Return on assets (ROA) | 0.1755% | 5,438 |
| Pretax return on assets | 0.2324% | 5,379 |
| Return on Equity (ROE) | 2.0687% | 5,275 |
| Retained earnings to average equity (ytd only) | -2.0687% | 5,763 |
| Net charge-offs to loans | 1.2056% | 1,521 |
| Credit loss provision to net charge-offs | 65.6904% | 5,494 |
| Earnings coverage of net charge-offs (x) | 0.8921% | 4,864 |
| Efficiency ratio | 78.5340% | 3,267 |
| Assets per employee ($millions) | 4.0732% | 3,547 |
| Cash dividends to net income (ytd only)* | 200.0000% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 6,699 |
| Loan loss allowance to noncurrent loans | 50.3601% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 2.7036% | 2,374 |
| Noncurrent loans to loans | 1.8215% | 3,782 |
| Net loans and leases to total assets | 75.3300% | 2,360 |
| Net loans and leases to deposits | 98.3247% | 1,483 |
| Net loans and leases to core deposits | 135.8360% | 1,218 |
| Total domestic deposits to total assets | 76.6135% | 6,416 |
| Equity capital to assets | 8.7113% | 5,736 |
| Core capital (leverage) ratio | 8.3222% | 5,756 |
| Tier 1 risk-based capital ratio | 10.8394% | 6,043 |
| Total risk-based capital ratio | 11.7504% | 6,324 |
| Memoranda: | ||
| Average total assets | $256,445,000 | 2,570 |
| Average earning assets | $233,217,000 | 2,594 |
| Average equity | $21,752,330 | 3,001 |
| Average total loans | $198,235,000 | 2,371 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2221% | 1,526 |
| Cost of funding earning assets | 2.6022% | 1,560 |
| Net interest margin | 3.6199% | 4,241 |
| Noninterest income to average assets | 0.5552% | 3,877 |
| Noninterest expense to average assets | 2.9773% | 3,861 |
| Loan and lease loss provision to assets | 0.1651% | 4,816 |
| Net operating income to assets | 0.4718% | 4,556 |
| Return on assets (ROA) | 0.4718% | 4,746 |
| Pretax return on assets | 0.7078% | 4,411 |
| Return on Equity (ROE) | 5.6407% | 4,195 |
| Retained earnings to average equity (ytd only) | -1.8802% | 6,076 |
| Net charge-offs to loans | 1.3639% | 1,037 |
| Credit loss provision to net charge-offs | 15.5325% | 5,133 |
| Earnings coverage of net charge-offs (x) | 0.8210% | 4,370 |
| Efficiency ratio | 77.3284% | 3,281 |
| Assets per employee ($millions) | 4.1499% | 3,360 |
| Cash dividends to net income (ytd only)* | 133.3333% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 7,032 |
| Loan loss allowance to noncurrent loans | 38.5349% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 3.1503% | 1,782 |
| Noncurrent loans to loans | 2.1666% | 3,028 |
| Net loans and leases to total assets | 74.1010% | 2,726 |
| Net loans and leases to deposits | 96.4802% | 1,876 |
| Net loans and leases to core deposits | 130.5398% | 1,628 |
| Total domestic deposits to total assets | 76.8044% | 6,334 |
| Equity capital to assets | 8.4042% | 6,229 |
| Core capital (leverage) ratio | 8.6995% | 5,149 |
| Tier 1 risk-based capital ratio | 10.6908% | 6,197 |
| Total risk-based capital ratio | 11.5051% | 6,566 |
| Memoranda: | ||
| Average total assets | $254,325,000 | 2,596 |
| Average earning assets | $231,499,000 | 2,630 |
| Average equity | $21,274,000 | 3,082 |
| Average total loans | $198,256,500 | 2,388 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9223% | 1,337 |
| Cost of funding earning assets | 3.3028% | 922 |
| Net interest margin | 3.6195% | 4,790 |
| Noninterest income to average assets | 0.6671% | 3,354 |
| Noninterest expense to average assets | 3.1686% | 3,454 |
| Loan and lease loss provision to assets | 0.7173% | 2,062 |
| Net operating income to assets | 0.0750% | 6,167 |
| Return on assets (ROA) | 0.1847% | 5,723 |
| Pretax return on assets | 0.2406% | 5,647 |
| Return on Equity (ROE) | 2.1456% | 5,561 |
| Retained earnings to average equity (ytd only) | -0.6130% | 5,476 |
| Net charge-offs to loans | 0.3782% | 2,945 |
| Credit loss provision to net charge-offs | 233.0000% | 2,039 |
| Earnings coverage of net charge-offs (x) | 2.6486% | 4,761 |
| Efficiency ratio | 79.5342% | 2,664 |
| Assets per employee ($millions) | 3.9203% | 3,679 |
| Cash dividends to net income (ytd only)* | 128.5714% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 5,097 |
| Loan loss allowance to noncurrent loans | 37.5717% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 3.4691% | 1,286 |
| Noncurrent loans to loans | 2.9942% | 1,791 |
| Net loans and leases to total assets | 80.5659% | 1,533 |
| Net loans and leases to deposits | 109.1490% | 891 |
| Net loans and leases to core deposits | 137.7401% | 1,390 |
| Total domestic deposits to total assets | 73.8127% | 6,684 |
| Equity capital to assets | 8.3219% | 6,387 |
| Core capital (leverage) ratio | 8.1572% | 6,243 |
| Tier 1 risk-based capital ratio | 9.7057% | 7,076 |
| Total risk-based capital ratio | 10.8346% | 7,116 |
| Memoranda: | ||
| Average total assets | $227,385,800 | 2,800 |
| Average earning assets | $208,369,000 | 2,797 |
| Average equity | $19,574,600 | 3,296 |
| Average total loans | $185,087,200 | 2,451 |