Home > The Peoples Bank Co. > Performance and Condition Ratios
The Peoples Bank Co., 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 | 3.7677% | 4,214 |
| Cost of funding earning assets | 1.1310% | 2,983 |
| Net interest margin | 2.6367% | 3,920 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 1.2988% | 4,437 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 1.3007% | 1,435 |
| Return on assets (ROA) | 1.2418% | 1,530 |
| Pretax return on assets | 1.4953% | 1,435 |
| Return on Equity (ROE) | 20.7800% | 547 |
| Retained earnings to average equity (ytd only) | 12.8398% | 524 |
| Net charge-offs to loans | 0.0356% | 1,598 |
| Credit loss provision to net charge-offs | -311.4754% | 4,521 |
| Earnings coverage of net charge-offs (x) | 92.0492% | 942 |
| Efficiency ratio | 46.0407% | 4,192 |
| Assets per employee ($millions) | 10.4401% | 628 |
| Cash dividends to net income (ytd only)* | 38.2013% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,333 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 49.9800% | 3,591 |
| Net loans and leases to deposits | 57.5643% | 3,644 |
| Net loans and leases to core deposits | 64.3780% | 3,573 |
| Total domestic deposits to total assets | 86.8300% | 1,738 |
| Equity capital to assets | 7.0377% | 3,924 |
| Core capital (leverage) ratio | 11.0083% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7370% | 716 |
| Memoranda: | ||
| Average total assets | $737,773,400 | 1,260 |
| Average earning assets | $686,492,000 | 1,261 |
| Average equity | $44,097,200 | 1,757 |
| Average total loans | $342,334,800 | 1,636 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6837% | 4,227 |
| Cost of funding earning assets | 1.0438% | 2,909 |
| Net interest margin | 2.6399% | 3,966 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 1.2806% | 4,455 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.2170% | 1,744 |
| Return on assets (ROA) | 1.1387% | 1,925 |
| Pretax return on assets | 1.3668% | 1,851 |
| Return on Equity (ROE) | 19.9300% | 729 |
| Retained earnings to average equity (ytd only) | 15.1932% | 532 |
| Net charge-offs to loans | 0.0270% | 1,531 |
| Credit loss provision to net charge-offs | 522.0588% | 612 |
| Earnings coverage of net charge-offs (x) | 125.6765% | 820 |
| Efficiency ratio | 45.3895% | 4,167 |
| Assets per employee ($millions) | 10.0182% | 660 |
| Cash dividends to net income (ytd only)* | 23.7492% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,037 |
| Loan loss allowance to noncurrent loans | 1,130.8861% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 3,253 |
| Noncurrent loans to loans | 0.1117% | 3,018 |
| Net loans and leases to total assets | 49.0700% | 3,683 |
| Net loans and leases to deposits | 55.5695% | 3,732 |
| Net loans and leases to core deposits | 60.9686% | 3,659 |
| Total domestic deposits to total assets | 88.3100% | 1,470 |
| Equity capital to assets | 5.4256% | 4,158 |
| Core capital (leverage) ratio | 10.7944% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2117% | 675 |
| Memoranda: | ||
| Average total assets | $739,514,750 | 1,255 |
| Average earning assets | $690,258,500 | 1,243 |
| Average equity | $42,263,500 | 1,791 |
| Average total loans | $335,675,750 | 1,658 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5525% | 4,298 |
| Cost of funding earning assets | 0.9583% | 2,740 |
| Net interest margin | 2.5942% | 4,117 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.2421% | 4,502 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.2301% | 1,750 |
| Return on assets (ROA) | 1.1128% | 2,078 |
| Pretax return on assets | 1.3320% | 1,984 |
| Return on Equity (ROE) | 19.1600% | 811 |
| Retained earnings to average equity (ytd only) | 12.2656% | 938 |
| Net charge-offs to loans | 0.0073% | 1,958 |
| Credit loss provision to net charge-offs | 1,266.6667% | 344 |
| Earnings coverage of net charge-offs (x) | 478.5833% | 310 |
| Efficiency ratio | 44.7470% | 4,222 |
| Assets per employee ($millions) | 10.0373% | 663 |
| Cash dividends to net income (ytd only)* | 35.9971% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,110 |
| Loan loss allowance to noncurrent loans | 25,411.7647% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 3,874 |
| Noncurrent loans to loans | 0.0050% | 3,772 |
| Net loans and leases to total assets | 46.7100% | 3,758 |
| Net loans and leases to deposits | 54.0061% | 3,746 |
| Net loans and leases to core deposits | 58.9563% | 3,681 |
| Total domestic deposits to total assets | 86.4900% | 2,091 |
| Equity capital to assets | 5.9768% | 4,162 |
| Core capital (leverage) ratio | 10.4152% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2144% | 693 |
| Memoranda: | ||
| Average total assets | $748,921,333 | 1,239 |
| Average earning assets | $699,165,333 | 1,225 |
| Average equity | $43,487,333 | 1,764 |
| Average total loans | $329,729,333 | 1,673 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3726% | 4,394 |
| Cost of funding earning assets | 0.7893% | 2,770 |
| Net interest margin | 2.5833% | 4,225 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.1464% | 4,589 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.3383% | 1,574 |
| Return on assets (ROA) | 1.1942% | 1,906 |
| Pretax return on assets | 1.4293% | 1,814 |
| Return on Equity (ROE) | 20.8600% | 669 |
| Retained earnings to average equity (ytd only) | 20.8551% | 326 |
| Net charge-offs to loans | 0.0087% | 1,622 |
| Credit loss provision to net charge-offs | 85.7143% | 1,186 |
| Earnings coverage of net charge-offs (x) | 446.0000% | 253 |
| Efficiency ratio | 41.1609% | 4,415 |
| Assets per employee ($millions) | 10.2543% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 2,215 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 44.1800% | 3,857 |
| Net loans and leases to deposits | 51.8006% | 3,802 |
| Net loans and leases to core deposits | 56.1216% | 3,732 |
| Total domestic deposits to total assets | 85.2800% | 2,785 |
| Equity capital to assets | 6.3507% | 4,082 |
| Core capital (leverage) ratio | 10.4599% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2802% | 714 |
| Memoranda: | ||
| Average total assets | $762,041,000 | 1,237 |
| Average earning assets | $709,004,000 | 1,229 |
| Average equity | $43,634,500 | 1,778 |
| Average total loans | $323,648,000 | 1,711 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9762% | 4,162 |
| Cost of funding earning assets | 0.3054% | 2,833 |
| Net interest margin | 2.6708% | 4,089 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.2938% | 4,560 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2767% | 1,512 |
| Return on assets (ROA) | 1.2742% | 1,472 |
| Pretax return on assets | 1.5255% | 1,380 |
| Return on Equity (ROE) | 17.9800% | 707 |
| Retained earnings to average equity (ytd only) | 10.9787% | 893 |
| Net charge-offs to loans | 0.0194% | 1,709 |
| Credit loss provision to net charge-offs | 210.5263% | 1,089 |
| Earnings coverage of net charge-offs (x) | 191.2281% | 667 |
| Efficiency ratio | 45.4981% | 4,373 |
| Assets per employee ($millions) | 10.9135% | 520 |
| Cash dividends to net income (ytd only)* | 38.9451% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 2,793 |
| Loan loss allowance to noncurrent loans | 354,900.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 3,973 |
| Noncurrent loans to loans | 0.0003% | 3,909 |
| Net loans and leases to total assets | 39.8900% | 4,072 |
| Net loans and leases to deposits | 44.3693% | 4,101 |
| Net loans and leases to core deposits | 45.6488% | 4,130 |
| Total domestic deposits to total assets | 89.9000% | 1,408 |
| Equity capital to assets | 5.1390% | 4,330 |
| Core capital (leverage) ratio | 10.5616% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0457% | 711 |
| Memoranda: | ||
| Average total assets | $705,278,800 | 1,301 |
| Average earning assets | $664,477,600 | 1,284 |
| Average equity | $49,978,800 | 1,622 |
| Average total loans | $293,746,400 | 1,749 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9262% | 4,019 |
| Cost of funding earning assets | 0.2627% | 2,572 |
| Net interest margin | 2.6635% | 3,998 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.2824% | 4,589 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.3006% | 1,352 |
| Return on assets (ROA) | 1.2943% | 1,335 |
| Pretax return on assets | 1.5473% | 1,281 |
| Return on Equity (ROE) | 16.9300% | 808 |
| Retained earnings to average equity (ytd only) | 10.5665% | 1,176 |
| Net charge-offs to loans | 0.0222% | 1,390 |
| Credit loss provision to net charge-offs | 187.5000% | 1,007 |
| Earnings coverage of net charge-offs (x) | 168.3333% | 695 |
| Efficiency ratio | 44.8466% | 4,435 |
| Assets per employee ($millions) | 9.6465% | 717 |
| Cash dividends to net income (ytd only)* | 37.5883% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 2,654 |
| Loan loss allowance to noncurrent loans | 88,200.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,043 |
| Noncurrent loans to loans | 0.0013% | 3,973 |
| Net loans and leases to total assets | 43.2500% | 3,922 |
| Net loans and leases to deposits | 47.0434% | 3,989 |
| Net loans and leases to core deposits | 48.1011% | 4,026 |
| Total domestic deposits to total assets | 91.9400% | 899 |
| Equity capital to assets | 5.1733% | 4,246 |
| Core capital (leverage) ratio | 10.5082% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6614% | 668 |
| Memoranda: | ||
| Average total assets | $685,155,250 | 1,333 |
| Average earning assets | $649,755,000 | 1,314 |
| Average equity | $52,378,250 | 1,585 |
| Average total loans | $287,942,750 | 1,775 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8035% | 3,969 |
| Cost of funding earning assets | 0.2268% | 2,555 |
| Net interest margin | 2.5767% | 3,946 |
| Noninterest income to average assets | 0.3409% | 3,116 |
| Noninterest expense to average assets | 1.2574% | 4,607 |
| Loan and lease loss provision to assets | 0.0175% | 2,288 |
| Net operating income to assets | 1.2692% | 1,223 |
| Return on assets (ROA) | 1.2562% | 1,249 |
| Pretax return on assets | 1.5014% | 1,162 |
| Return on Equity (ROE) | 14.8345% | 929 |
| Retained earnings to average equity (ytd only) | 6.2178% | 2,269 |
| Net charge-offs to loans | 0.0310% | 1,102 |
| Credit loss provision to net charge-offs | 136.3636% | 1,130 |
| Earnings coverage of net charge-offs (x) | 119.4773% | 740 |
| Efficiency ratio | 44.9660% | 4,494 |
| Assets per employee ($millions) | 9.5155% | 749 |
| Cash dividends to net income (ytd only)* | 58.0855% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,642 |
| Loan loss allowance to noncurrent loans | 15,226.0870% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,029 |
| Noncurrent loans to loans | 0.0079% | 3,939 |
| Net loans and leases to total assets | 41.7845% | 3,988 |
| Net loans and leases to deposits | 46.2797% | 4,014 |
| Net loans and leases to core deposits | 47.2964% | 4,065 |
| Total domestic deposits to total assets | 90.2868% | 1,583 |
| Equity capital to assets | 6.8581% | 3,841 |
| Core capital (leverage) ratio | 10.3523% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4931% | 659 |
| Memoranda: | ||
| Average total assets | $685,239,000 | 1,337 |
| Average earning assets | $651,757,667 | 1,324 |
| Average equity | $58,027,000 | 1,482 |
| Average total loans | $284,006,333 | 1,781 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7009% | 3,948 |
| Cost of funding earning assets | 0.2197% | 2,534 |
| Net interest margin | 2.4812% | 3,935 |
| Noninterest income to average assets | 0.3572% | 2,950 |
| Noninterest expense to average assets | 1.2257% | 4,659 |
| Loan and lease loss provision to assets | 0.0175% | 2,042 |
| Net operating income to assets | 1.2389% | 1,144 |
| Return on assets (ROA) | 1.2252% | 1,166 |
| Pretax return on assets | 1.4645% | 1,091 |
| Return on Equity (ROE) | 13.2122% | 995 |
| Retained earnings to average equity (ytd only) | 6.9177% | 1,915 |
| Net charge-offs to loans | 0.0669% | 662 |
| Credit loss provision to net charge-offs | 63.8298% | 1,157 |
| Earnings coverage of net charge-offs (x) | 54.6170% | 889 |
| Efficiency ratio | 44.9111% | 4,532 |
| Assets per employee ($millions) | 10.0524% | 668 |
| Cash dividends to net income (ytd only)* | 47.6417% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,824 |
| Loan loss allowance to noncurrent loans | 69,380.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,122 |
| Noncurrent loans to loans | 0.0017% | 4,041 |
| Net loans and leases to total assets | 40.9423% | 3,951 |
| Net loans and leases to deposits | 45.1392% | 4,014 |
| Net loans and leases to core deposits | 46.1295% | 4,064 |
| Total domestic deposits to total assets | 90.7023% | 1,178 |
| Equity capital to assets | 8.0447% | 3,533 |
| Core capital (leverage) ratio | 10.4794% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4736% | 700 |
| Memoranda: | ||
| Average total assets | $685,300,500 | 1,347 |
| Average earning assets | $653,707,500 | 1,321 |
| Average equity | $63,547,500 | 1,421 |
| Average total loans | $281,122,500 | 1,785 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9393% | 3,981 |
| Cost of funding earning assets | 0.2514% | 2,918 |
| Net interest margin | 2.6879% | 3,900 |
| Noninterest income to average assets | 0.5251% | 2,466 |
| Noninterest expense to average assets | 1.3404% | 4,656 |
| Loan and lease loss provision to assets | 0.0182% | 2,706 |
| Net operating income to assets | 1.4462% | 1,145 |
| Return on assets (ROA) | 1.4709% | 1,138 |
| Pretax return on assets | 1.7707% | 978 |
| Return on Equity (ROE) | 13.5647% | 1,290 |
| Retained earnings to average equity (ytd only) | 7.2815% | 1,815 |
| Net charge-offs to loans | -0.0004% | 3,216 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1782% | 4,599 |
| Assets per employee ($millions) | 9.8114% | 704 |
| Cash dividends to net income (ytd only)* | 46.3201% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,510 |
| Loan loss allowance to noncurrent loans | 6,974.0000% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 4,088 |
| Noncurrent loans to loans | 0.0182% | 3,947 |
| Net loans and leases to total assets | 40.0757% | 4,088 |
| Net loans and leases to deposits | 44.9251% | 4,143 |
| Net loans and leases to core deposits | 45.9557% | 4,185 |
| Total domestic deposits to total assets | 89.2057% | 1,412 |
| Equity capital to assets | 10.5314% | 2,145 |
| Core capital (leverage) ratio | 10.6888% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0416% | 646 |
| Memoranda: | ||
| Average total assets | $660,465,600 | 1,341 |
| Average earning assets | $632,567,000 | 1,320 |
| Average equity | $71,619,600 | 1,323 |
| Average total loans | $279,008,800 | 1,791 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9846% | 4,033 |
| Cost of funding earning assets | 0.2583% | 3,030 |
| Net interest margin | 2.7263% | 3,920 |
| Noninterest income to average assets | 0.5188% | 2,545 |
| Noninterest expense to average assets | 1.3072% | 4,751 |
| Loan and lease loss provision to assets | 0.0183% | 2,642 |
| Net operating income to assets | 1.4938% | 1,287 |
| Return on assets (ROA) | 1.5219% | 1,264 |
| Pretax return on assets | 1.8391% | 1,068 |
| Return on Equity (ROE) | 13.9317% | 1,410 |
| Retained earnings to average equity (ytd only) | 8.3531% | 1,929 |
| Net charge-offs to loans | -0.0024% | 3,253 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6845% | 4,672 |
| Assets per employee ($millions) | 9.4858% | 777 |
| Cash dividends to net income (ytd only)* | 40.0427% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 2,688 |
| Loan loss allowance to noncurrent loans | 346,100.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 4,309 |
| Noncurrent loans to loans | 0.0004% | 4,235 |
| Net loans and leases to total assets | 40.3267% | 4,193 |
| Net loans and leases to deposits | 45.3603% | 4,258 |
| Net loans and leases to core deposits | 46.4497% | 4,306 |
| Total domestic deposits to total assets | 88.9030% | 1,342 |
| Equity capital to assets | 10.8181% | 2,154 |
| Core capital (leverage) ratio | 10.8214% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3962% | 651 |
| Memoranda: | ||
| Average total assets | $656,335,500 | 1,362 |
| Average earning assets | $628,771,000 | 1,337 |
| Average equity | $71,700,500 | 1,342 |
| Average total loans | $280,062,500 | 1,824 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8268% | 4,314 |
| Cost of funding earning assets | 0.2674% | 3,109 |
| Net interest margin | 2.5595% | 4,238 |
| Noninterest income to average assets | 0.5149% | 2,565 |
| Noninterest expense to average assets | 1.3012% | 4,789 |
| Loan and lease loss provision to assets | 0.0184% | 2,591 |
| Net operating income to assets | 1.3682% | 1,658 |
| Return on assets (ROA) | 1.4027% | 1,623 |
| Pretax return on assets | 1.6879% | 1,511 |
| Return on Equity (ROE) | 12.7969% | 1,786 |
| Retained earnings to average equity (ytd only) | 5.7857% | 2,894 |
| Net charge-offs to loans | -0.0035% | 3,329 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7973% | 4,627 |
| Assets per employee ($millions) | 9.3818% | 745 |
| Cash dividends to net income (ytd only)* | 54.7885% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 2,841 |
| Loan loss allowance to noncurrent loans | 38,122.2222% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,335 |
| Noncurrent loans to loans | 0.0032% | 4,249 |
| Net loans and leases to total assets | 42.4472% | 4,151 |
| Net loans and leases to deposits | 47.8190% | 4,230 |
| Net loans and leases to core deposits | 48.9712% | 4,282 |
| Total domestic deposits to total assets | 88.7664% | 1,407 |
| Equity capital to assets | 10.8981% | 2,069 |
| Core capital (leverage) ratio | 10.5468% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0676% | 695 |
| Memoranda: | ||
| Average total assets | $650,617,333 | 1,367 |
| Average earning assets | $623,099,000 | 1,337 |
| Average equity | $71,314,333 | 1,336 |
| Average total loans | $281,731,000 | 1,825 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7644% | 4,411 |
| Cost of funding earning assets | 0.2753% | 3,220 |
| Net interest margin | 2.4891% | 4,316 |
| Noninterest income to average assets | 0.4954% | 2,633 |
| Noninterest expense to average assets | 1.2910% | 4,826 |
| Loan and lease loss provision to assets | 0.0185% | 2,540 |
| Net operating income to assets | 1.3029% | 1,817 |
| Return on assets (ROA) | 1.3732% | 1,712 |
| Pretax return on assets | 1.6554% | 1,592 |
| Return on Equity (ROE) | 12.4912% | 1,839 |
| Retained earnings to average equity (ytd only) | 12.4912% | 1,030 |
| Net charge-offs to loans | -0.0028% | 3,210 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7351% | 4,542 |
| Assets per employee ($millions) | 8.8214% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,964 |
| Loan loss allowance to noncurrent loans | 169,900.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,420 |
| Noncurrent loans to loans | 0.0007% | 4,337 |
| Net loans and leases to total assets | 43.0664% | 4,172 |
| Net loans and leases to deposits | 48.5004% | 4,244 |
| Net loans and leases to core deposits | 49.7497% | 4,305 |
| Total domestic deposits to total assets | 88.7959% | 1,442 |
| Equity capital to assets | 10.8474% | 1,970 |
| Core capital (leverage) ratio | 11.0913% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1769% | 663 |
| Memoranda: | ||
| Average total assets | $647,561,500 | 1,360 |
| Average earning assets | $620,469,000 | 1,337 |
| Average equity | $71,186,000 | 1,330 |
| Average total loans | $281,499,500 | 1,827 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3647% | 4,246 |
| Cost of funding earning assets | 0.4404% | 3,345 |
| Net interest margin | 2.9244% | 4,065 |
| Noninterest income to average assets | 0.9011% | 1,267 |
| Noninterest expense to average assets | 1.4765% | 4,795 |
| Loan and lease loss provision to assets | 0.0958% | 3,147 |
| Net operating income to assets | 1.7468% | 442 |
| Return on assets (ROA) | 1.7579% | 467 |
| Pretax return on assets | 2.1322% | 343 |
| Return on Equity (ROE) | 14.7884% | 670 |
| Retained earnings to average equity (ytd only) | 8.1975% | 998 |
| Net charge-offs to loans | 0.0124% | 2,891 |
| Credit loss provision to net charge-offs | 1,527.7778% | 543 |
| Earnings coverage of net charge-offs (x) | 353.3056% | 308 |
| Efficiency ratio | 39.9387% | 4,873 |
| Assets per employee ($millions) | 8.5646% | 873 |
| Cash dividends to net income (ytd only)* | 44.5677% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 2,895 |
| Loan loss allowance to noncurrent loans | 8,415.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 4,417 |
| Noncurrent loans to loans | 0.0144% | 4,313 |
| Net loans and leases to total assets | 42.8286% | 4,311 |
| Net loans and leases to deposits | 48.4458% | 4,378 |
| Net loans and leases to core deposits | 49.6971% | 4,430 |
| Total domestic deposits to total assets | 88.4051% | 1,272 |
| Equity capital to assets | 11.1408% | 2,142 |
| Core capital (leverage) ratio | 10.9810% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6113% | 702 |
| Memoranda: | ||
| Average total assets | $574,381,800 | 1,386 |
| Average earning assets | $547,947,800 | 1,355 |
| Average equity | $68,276,600 | 1,316 |
| Average total loans | $291,369,200 | 1,718 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4679% | 4,261 |
| Cost of funding earning assets | 0.4811% | 3,352 |
| Net interest margin | 2.9868% | 4,004 |
| Noninterest income to average assets | 0.8233% | 1,410 |
| Noninterest expense to average assets | 1.4733% | 4,826 |
| Loan and lease loss provision to assets | 0.0646% | 3,528 |
| Net operating income to assets | 1.7613% | 499 |
| Return on assets (ROA) | 1.7718% | 540 |
| Pretax return on assets | 2.1437% | 385 |
| Return on Equity (ROE) | 14.6405% | 755 |
| Retained earnings to average equity (ytd only) | 9.6990% | 831 |
| Net charge-offs to loans | 0.0041% | 3,013 |
| Credit loss provision to net charge-offs | 3,000.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 1,019.8889% | 119 |
| Efficiency ratio | 40.0835% | 4,892 |
| Assets per employee ($millions) | 8.0099% | 991 |
| Cash dividends to net income (ytd only)* | 33.7519% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 3,498 |
| Loan loss allowance to noncurrent loans | 1,297.0833% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 4,251 |
| Noncurrent loans to loans | 0.0805% | 4,047 |
| Net loans and leases to total assets | 49.0946% | 4,147 |
| Net loans and leases to deposits | 55.9509% | 4,264 |
| Net loans and leases to core deposits | 57.5260% | 4,319 |
| Total domestic deposits to total assets | 87.7459% | 1,322 |
| Equity capital to assets | 11.7898% | 1,814 |
| Core capital (leverage) ratio | 11.2937% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4695% | 727 |
| Memoranda: | ||
| Average total assets | $557,391,750 | 1,407 |
| Average earning assets | $531,032,250 | 1,374 |
| Average equity | $67,455,250 | 1,321 |
| Average total loans | $294,593,500 | 1,700 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6062% | 4,255 |
| Cost of funding earning assets | 0.5248% | 3,384 |
| Net interest margin | 3.0814% | 3,943 |
| Noninterest income to average assets | 0.6218% | 2,053 |
| Noninterest expense to average assets | 1.5044% | 4,843 |
| Loan and lease loss provision to assets | 0.0442% | 3,736 |
| Net operating income to assets | 1.6601% | 667 |
| Return on assets (ROA) | 1.6757% | 698 |
| Pretax return on assets | 2.0227% | 521 |
| Return on Equity (ROE) | 13.7159% | 937 |
| Retained earnings to average equity (ytd only) | 6.1780% | 2,000 |
| Net charge-offs to loans | 0.0061% | 2,746 |
| Credit loss provision to net charge-offs | 1,333.3333% | 657 |
| Earnings coverage of net charge-offs (x) | 617.7778% | 166 |
| Efficiency ratio | 42.2750% | 4,858 |
| Assets per employee ($millions) | 7.9066% | 1,006 |
| Cash dividends to net income (ytd only)* | 54.9571% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 3,638 |
| Loan loss allowance to noncurrent loans | 1,371.7593% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 4,360 |
| Noncurrent loans to loans | 0.0720% | 4,174 |
| Net loans and leases to total assets | 50.7813% | 4,115 |
| Net loans and leases to deposits | 57.8057% | 4,232 |
| Net loans and leases to core deposits | 59.5595% | 4,283 |
| Total domestic deposits to total assets | 87.8482% | 1,262 |
| Equity capital to assets | 11.6663% | 1,857 |
| Core capital (leverage) ratio | 11.2262% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8310% | 789 |
| Memoranda: | ||
| Average total assets | $542,942,333 | 1,412 |
| Average earning assets | $516,392,333 | 1,387 |
| Average equity | $66,331,667 | 1,326 |
| Average total loans | $293,443,333 | 1,692 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8221% | 4,187 |
| Cost of funding earning assets | 0.5916% | 3,478 |
| Net interest margin | 3.2305% | 3,782 |
| Noninterest income to average assets | 0.5511% | 2,277 |
| Noninterest expense to average assets | 1.5330% | 4,896 |
| Loan and lease loss provision to assets | 0.0230% | 3,517 |
| Net operating income to assets | 1.7137% | 501 |
| Return on assets (ROA) | 1.7207% | 543 |
| Pretax return on assets | 2.0718% | 387 |
| Return on Equity (ROE) | 13.7375% | 753 |
| Retained earnings to average equity (ytd only) | 13.7375% | 275 |
| Net charge-offs to loans | 0.0124% | 2,136 |
| Credit loss provision to net charge-offs | 333.3333% | 1,098 |
| Earnings coverage of net charge-offs (x) | 302.4444% | 236 |
| Efficiency ratio | 42.2702% | 4,936 |
| Assets per employee ($millions) | 7.1654% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 3,776 |
| Loan loss allowance to noncurrent loans | 1,496.3542% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 4,433 |
| Noncurrent loans to loans | 0.0659% | 4,277 |
| Net loans and leases to total assets | 54.3728% | 3,954 |
| Net loans and leases to deposits | 63.5172% | 4,008 |
| Net loans and leases to core deposits | 65.6169% | 4,106 |
| Total domestic deposits to total assets | 85.6033% | 2,169 |
| Equity capital to assets | 12.7320% | 1,604 |
| Core capital (leverage) ratio | 12.2779% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2677% | 834 |
| Memoranda: | ||
| Average total assets | $521,869,500 | 1,409 |
| Average earning assets | $495,645,500 | 1,394 |
| Average equity | $65,368,500 | 1,342 |
| Average total loans | $290,126,000 | 1,675 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9067% | 4,424 |
| Cost of funding earning assets | 0.6729% | 3,297 |
| Net interest margin | 3.2338% | 4,123 |
| Noninterest income to average assets | 0.5931% | 2,262 |
| Noninterest expense to average assets | 1.5207% | 4,995 |
| Loan and lease loss provision to assets | 0.0223% | 3,576 |
| Net operating income to assets | 1.7618% | 578 |
| Return on assets (ROA) | 1.7779% | 582 |
| Pretax return on assets | 2.1533% | 424 |
| Return on Equity (ROE) | 16.0230% | 533 |
| Retained earnings to average equity (ytd only) | 9.3139% | 634 |
| Net charge-offs to loans | 0.0159% | 3,148 |
| Credit loss provision to net charge-offs | 260.8696% | 1,061 |
| Earnings coverage of net charge-offs (x) | 251.8696% | 328 |
| Efficiency ratio | 41.2866% | 5,039 |
| Assets per employee ($millions) | 6.7566% | 1,148 |
| Cash dividends to net income (ytd only)* | 41.8717% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 3,586 |
| Loan loss allowance to noncurrent loans | 2,160.6061% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 4,524 |
| Noncurrent loans to loans | 0.0457% | 4,374 |
| Net loans and leases to total assets | 55.7393% | 3,938 |
| Net loans and leases to deposits | 64.6098% | 4,034 |
| Net loans and leases to core deposits | 66.5499% | 4,160 |
| Total domestic deposits to total assets | 86.2707% | 1,947 |
| Equity capital to assets | 12.3129% | 1,945 |
| Core capital (leverage) ratio | 10.9007% | 2,591 |
| Tier 1 risk-based capital ratio | 18.5232% | 1,622 |
| Total risk-based capital ratio | 19.3850% | 1,685 |
| Memoranda: | ||
| Average total assets | $537,325,200 | 1,337 |
| Average earning assets | $512,404,600 | 1,305 |
| Average equity | $59,620,400 | 1,381 |
| Average total loans | $289,182,400 | 1,650 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 4,609 |
| Cost of funding earning assets | 0.6798% | 3,310 |
| Net interest margin | 3.1684% | 4,363 |
| Noninterest income to average assets | 0.5625% | 2,398 |
| Noninterest expense to average assets | 1.4283% | 5,099 |
| Loan and lease loss provision to assets | 0.0221% | 3,474 |
| Net operating income to assets | 1.7618% | 660 |
| Return on assets (ROA) | 1.7699% | 682 |
| Pretax return on assets | 2.1452% | 504 |
| Return on Equity (ROE) | 16.3760% | 554 |
| Retained earnings to average equity (ytd only) | 8.4287% | 1,234 |
| Net charge-offs to loans | 0.0106% | 2,988 |
| Credit loss provision to net charge-offs | 391.3043% | 776 |
| Earnings coverage of net charge-offs (x) | 382.1663% | 260 |
| Efficiency ratio | 39.7577% | 5,137 |
| Assets per employee ($millions) | 7.4151% | 876 |
| Cash dividends to net income (ytd only)* | 48.5302% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 3,742 |
| Loan loss allowance to noncurrent loans | 1,778.1250% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 4,593 |
| Noncurrent loans to loans | 0.0545% | 4,393 |
| Net loans and leases to total assets | 51.6239% | 4,334 |
| Net loans and leases to deposits | 58.2756% | 4,464 |
| Net loans and leases to core deposits | 59.6639% | 4,549 |
| Total domestic deposits to total assets | 88.5858% | 786 |
| Equity capital to assets | 10.9901% | 3,103 |
| Core capital (leverage) ratio | 10.7177% | 2,921 |
| Tier 1 risk-based capital ratio | 17.9047% | 1,849 |
| Total risk-based capital ratio | 18.7615% | 1,909 |
| Memoranda: | ||
| Average total assets | $543,281,250 | 1,329 |
| Average earning assets | $518,394,000 | 1,297 |
| Average equity | $58,718,750 | 1,393 |
| Average total loans | $289,209,500 | 1,656 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8450% | 4,647 |
| Cost of funding earning assets | 0.6806% | 3,273 |
| Net interest margin | 3.1645% | 4,427 |
| Noninterest income to average assets | 0.5278% | 2,527 |
| Noninterest expense to average assets | 1.4471% | 5,144 |
| Loan and lease loss provision to assets | 0.0224% | 3,360 |
| Net operating income to assets | 1.7146% | 710 |
| Return on assets (ROA) | 1.7211% | 726 |
| Pretax return on assets | 2.0856% | 570 |
| Return on Equity (ROE) | 16.0183% | 585 |
| Retained earnings to average equity (ytd only) | 9.0794% | 1,013 |
| Net charge-offs to loans | 0.0188% | 2,498 |
| Credit loss provision to net charge-offs | 222.2222% | 1,122 |
| Earnings coverage of net charge-offs (x) | 208.6667% | 381 |
| Efficiency ratio | 40.7209% | 5,146 |
| Assets per employee ($millions) | 7.3461% | 868 |
| Cash dividends to net income (ytd only)* | 43.3182% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 3,802 |
| Loan loss allowance to noncurrent loans | 11,712.5000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,792 |
| Noncurrent loans to loans | 0.0082% | 4,686 |
| Net loans and leases to total assets | 52.3710% | 4,332 |
| Net loans and leases to deposits | 59.0313% | 4,473 |
| Net loans and leases to core deposits | 60.3697% | 4,560 |
| Total domestic deposits to total assets | 88.7174% | 779 |
| Equity capital to assets | 10.9347% | 3,144 |
| Core capital (leverage) ratio | 10.7679% | 2,820 |
| Tier 1 risk-based capital ratio | 18.2049% | 1,749 |
| Total risk-based capital ratio | 19.0819% | 1,801 |
| Memoranda: | ||
| Average total assets | $536,524,670 | 1,346 |
| Average earning assets | $511,934,000 | 1,311 |
| Average equity | $57,646,670 | 1,406 |
| Average total loans | $287,688,670 | 1,672 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 4,692 |
| Cost of funding earning assets | 0.6676% | 3,219 |
| Net interest margin | 3.1465% | 4,503 |
| Noninterest income to average assets | 0.5184% | 2,445 |
| Noninterest expense to average assets | 1.4411% | 5,200 |
| Loan and lease loss provision to assets | 0.0227% | 3,143 |
| Net operating income to assets | 1.6950% | 735 |
| Return on assets (ROA) | 1.7094% | 742 |
| Pretax return on assets | 2.0676% | 565 |
| Return on Equity (ROE) | 16.0576% | 586 |
| Retained earnings to average equity (ytd only) | 16.0576% | 224 |
| Net charge-offs to loans | 0.0336% | 1,787 |
| Credit loss provision to net charge-offs | 125.0000% | 1,383 |
| Earnings coverage of net charge-offs (x) | 114.2917% | 610 |
| Efficiency ratio | 40.9247% | 5,190 |
| Assets per employee ($millions) | 7.3146% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 3,902 |
| Loan loss allowance to noncurrent loans | 1,729.1925% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 4,653 |
| Noncurrent loans to loans | 0.0558% | 4,518 |
| Net loans and leases to total assets | 52.7850% | 4,288 |
| Net loans and leases to deposits | 59.4059% | 4,446 |
| Net loans and leases to core deposits | 60.7604% | 4,541 |
| Total domestic deposits to total assets | 88.8548% | 934 |
| Equity capital to assets | 10.7683% | 3,078 |
| Core capital (leverage) ratio | 11.3168% | 2,275 |
| Tier 1 risk-based capital ratio | 18.2775% | 1,720 |
| Total risk-based capital ratio | 19.1549% | 1,781 |
| Memoranda: | ||
| Average total assets | $529,306,500 | 1,366 |
| Average earning assets | $503,921,500 | 1,336 |
| Average equity | $56,347,000 | 1,425 |
| Average total loans | $285,855,500 | 1,687 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7512% | 4,586 |
| Cost of funding earning assets | 0.5681% | 2,936 |
| Net interest margin | 3.1831% | 4,513 |
| Noninterest income to average assets | 0.5435% | 2,590 |
| Noninterest expense to average assets | 1.5746% | 5,186 |
| Loan and lease loss provision to assets | 0.0200% | 3,760 |
| Net operating income to assets | 1.6301% | 813 |
| Return on assets (ROA) | 1.6286% | 813 |
| Pretax return on assets | 1.9610% | 610 |
| Return on Equity (ROE) | 15.8073% | 672 |
| Retained earnings to average equity (ytd only) | 9.0022% | 864 |
| Net charge-offs to loans | 0.0081% | 3,400 |
| Credit loss provision to net charge-offs | 454.5455% | 752 |
| Earnings coverage of net charge-offs (x) | 449.9091% | 233 |
| Efficiency ratio | 44.1829% | 5,172 |
| Assets per employee ($millions) | 6.9910% | 979 |
| Cash dividends to net income (ytd only)* | 43.0504% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,801 |
| Loan loss allowance to noncurrent loans | 2,645.7143% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 4,778 |
| Noncurrent loans to loans | 0.0371% | 4,599 |
| Net loans and leases to total assets | 54.2077% | 4,267 |
| Net loans and leases to deposits | 60.8657% | 4,437 |
| Net loans and leases to core deposits | 62.3487% | 4,523 |
| Total domestic deposits to total assets | 89.0612% | 830 |
| Equity capital to assets | 10.5168% | 3,166 |
| Core capital (leverage) ratio | 10.8504% | 2,676 |
| Tier 1 risk-based capital ratio | 17.8309% | 1,805 |
| Total risk-based capital ratio | 18.7198% | 1,862 |
| Memoranda: | ||
| Average total assets | $499,189,800 | 1,409 |
| Average earning assets | $472,649,200 | 1,376 |
| Average equity | $51,431,800 | 1,476 |
| Average total loans | $272,564,000 | 1,712 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6901% | 4,669 |
| Cost of funding earning assets | 0.5471% | 2,876 |
| Net interest margin | 3.1429% | 4,628 |
| Noninterest income to average assets | 0.5337% | 2,652 |
| Noninterest expense to average assets | 1.4946% | 5,282 |
| Loan and lease loss provision to assets | 0.0189% | 3,630 |
| Net operating income to assets | 1.6531% | 832 |
| Return on assets (ROA) | 1.6569% | 836 |
| Pretax return on assets | 1.9962% | 625 |
| Return on Equity (ROE) | 16.1691% | 673 |
| Retained earnings to average equity (ytd only) | 10.9083% | 665 |
| Net charge-offs to loans | 0.0015% | 3,448 |
| Credit loss provision to net charge-offs | 2,333.3333% | 180 |
| Earnings coverage of net charge-offs (x) | 2,486.2700% | 26 |
| Efficiency ratio | 42.5561% | 5,260 |
| Assets per employee ($millions) | 6.7259% | 1,066 |
| Cash dividends to net income (ytd only)* | 32.5362% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 3,888 |
| Loan loss allowance to noncurrent loans | 1,317.6190% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 4,766 |
| Noncurrent loans to loans | 0.0744% | 4,543 |
| Net loans and leases to total assets | 55.3835% | 4,268 |
| Net loans and leases to deposits | 61.9577% | 4,444 |
| Net loans and leases to core deposits | 63.5542% | 4,545 |
| Total domestic deposits to total assets | 89.3892% | 708 |
| Equity capital to assets | 10.3033% | 3,331 |
| Core capital (leverage) ratio | 11.0524% | 2,531 |
| Tier 1 risk-based capital ratio | 17.8040% | 1,841 |
| Total risk-based capital ratio | 18.6959% | 1,904 |
| Memoranda: | ||
| Average total assets | $494,654,250 | 1,426 |
| Average earning assets | $467,659,500 | 1,395 |
| Average equity | $50,688,000 | 1,501 |
| Average total loans | $269,902,000 | 1,728 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6115% | 4,749 |
| Cost of funding earning assets | 0.5086% | 2,949 |
| Net interest margin | 3.1029% | 4,725 |
| Noninterest income to average assets | 0.5299% | 2,690 |
| Noninterest expense to average assets | 1.4831% | 5,354 |
| Loan and lease loss provision to assets | 0.0163% | 3,562 |
| Net operating income to assets | 1.6281% | 853 |
| Return on assets (ROA) | 1.6345% | 840 |
| Pretax return on assets | 1.9683% | 645 |
| Return on Equity (ROE) | 15.9811% | 677 |
| Retained earnings to average equity (ytd only) | 8.0224% | 1,624 |
| Net charge-offs to loans | -0.0105% | 4,337 |
| Credit loss provision to net charge-offs | -285.7143% | 4,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7832% | 5,316 |
| Assets per employee ($millions) | 6.6489% | 1,098 |
| Cash dividends to net income (ytd only)* | 49.8008% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 3,669 |
| Loan loss allowance to noncurrent loans | 959.5819% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 4,729 |
| Noncurrent loans to loans | 0.1070% | 4,432 |
| Net loans and leases to total assets | 53.9470% | 4,342 |
| Net loans and leases to deposits | 60.3759% | 4,509 |
| Net loans and leases to core deposits | 61.7193% | 4,616 |
| Total domestic deposits to total assets | 89.3520% | 789 |
| Equity capital to assets | 10.3263% | 3,311 |
| Core capital (leverage) ratio | 10.7210% | 2,782 |
| Tier 1 risk-based capital ratio | 17.9834% | 1,803 |
| Total risk-based capital ratio | 18.9160% | 1,856 |
| Memoranda: | ||
| Average total assets | $491,392,670 | 1,439 |
| Average earning assets | $464,019,670 | 1,411 |
| Average equity | $50,259,330 | 1,514 |
| Average total loans | $265,821,670 | 1,757 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5125% | 4,857 |
| Cost of funding earning assets | 0.4568% | 3,152 |
| Net interest margin | 3.0557% | 4,785 |
| Noninterest income to average assets | 0.5026% | 2,782 |
| Noninterest expense to average assets | 1.4849% | 5,405 |
| Loan and lease loss provision to assets | 0.0122% | 3,370 |
| Net operating income to assets | 1.5660% | 923 |
| Return on assets (ROA) | 1.5761% | 914 |
| Pretax return on assets | 1.8946% | 735 |
| Return on Equity (ROE) | 15.4845% | 710 |
| Retained earnings to average equity (ytd only) | -0.5202% | 4,861 |
| Net charge-offs to loans | -0.0181% | 4,504 |
| Credit loss provision to net charge-offs | -125.0000% | 3,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8419% | 5,349 |
| Assets per employee ($millions) | 6.6403% | 1,127 |
| Cash dividends to net income (ytd only)* | 103.3592% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 3,845 |
| Loan loss allowance to noncurrent loans | 641.6471% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 4,656 |
| Noncurrent loans to loans | 0.1588% | 4,265 |
| Net loans and leases to total assets | 53.8984% | 4,293 |
| Net loans and leases to deposits | 60.1334% | 4,464 |
| Net loans and leases to core deposits | 61.2828% | 4,596 |
| Total domestic deposits to total assets | 89.6314% | 822 |
| Equity capital to assets | 10.0077% | 3,583 |
| Core capital (leverage) ratio | 10.6345% | 2,812 |
| Tier 1 risk-based capital ratio | 17.7015% | 1,918 |
| Total risk-based capital ratio | 18.6476% | 1,960 |
| Memoranda: | ||
| Average total assets | $491,081,000 | 1,444 |
| Average earning assets | $462,345,500 | 1,425 |
| Average equity | $49,985,500 | 1,534 |
| Average total loans | $264,641,500 | 1,771 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3667% | 4,986 |
| Cost of funding earning assets | 0.3725% | 3,494 |
| Net interest margin | 2.9942% | 4,897 |
| Noninterest income to average assets | 0.5367% | 2,788 |
| Noninterest expense to average assets | 1.5583% | 5,444 |
| Loan and lease loss provision to assets | 0.0126% | 4,037 |
| Net operating income to assets | 1.2660% | 1,309 |
| Return on assets (ROA) | 1.2532% | 1,375 |
| Pretax return on assets | 1.7840% | 821 |
| Return on Equity (ROE) | 11.8988% | 1,235 |
| Retained earnings to average equity (ytd only) | 3.9023% | 2,863 |
| Net charge-offs to loans | 0.0113% | 3,696 |
| Credit loss provision to net charge-offs | 214.2857% | 1,268 |
| Earnings coverage of net charge-offs (x) | 307.8571% | 279 |
| Efficiency ratio | 46.1082% | 5,393 |
| Assets per employee ($millions) | 6.4577% | 1,228 |
| Cash dividends to net income (ytd only)* | 67.2043% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,729 |
| Loan loss allowance to noncurrent loans | 622.1198% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 4,681 |
| Noncurrent loans to loans | 0.1658% | 4,263 |
| Net loans and leases to total assets | 52.7750% | 4,462 |
| Net loans and leases to deposits | 59.0971% | 4,635 |
| Net loans and leases to core deposits | 60.2305% | 4,747 |
| Total domestic deposits to total assets | 89.3022% | 868 |
| Equity capital to assets | 10.3498% | 3,330 |
| Core capital (leverage) ratio | 10.6214% | 2,716 |
| Tier 1 risk-based capital ratio | 17.8928% | 1,829 |
| Total risk-based capital ratio | 18.8633% | 1,864 |
| Memoranda: | ||
| Average total assets | $474,951,800 | 1,465 |
| Average earning assets | $449,937,400 | 1,436 |
| Average equity | $50,022,000 | 1,519 |
| Average total loans | $247,842,600 | 1,830 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3256% | 5,074 |
| Cost of funding earning assets | 0.3629% | 3,524 |
| Net interest margin | 2.9627% | 5,002 |
| Noninterest income to average assets | 0.5183% | 2,910 |
| Noninterest expense to average assets | 1.4819% | 5,532 |
| Loan and lease loss provision to assets | 0.0127% | 3,892 |
| Net operating income to assets | 1.3395% | 1,222 |
| Return on assets (ROA) | 1.3418% | 1,243 |
| Pretax return on assets | 1.8440% | 795 |
| Return on Equity (ROE) | 12.6831% | 1,126 |
| Retained earnings to average equity (ytd only) | 7.3316% | 1,525 |
| Net charge-offs to loans | 0.0016% | 3,715 |
| Credit loss provision to net charge-offs | 1,500.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 2,182.6125% | 32 |
| Efficiency ratio | 44.3351% | 5,472 |
| Assets per employee ($millions) | 6.2799% | 1,317 |
| Cash dividends to net income (ytd only)* | 42.1941% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 3,707 |
| Loan loss allowance to noncurrent loans | 780.9798% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 4,872 |
| Noncurrent loans to loans | 0.1363% | 4,510 |
| Net loans and leases to total assets | 53.4738% | 4,459 |
| Net loans and leases to deposits | 60.3715% | 4,620 |
| Net loans and leases to core deposits | 61.7079% | 4,731 |
| Total domestic deposits to total assets | 88.5746% | 1,085 |
| Equity capital to assets | 11.0608% | 2,807 |
| Core capital (leverage) ratio | 11.1107% | 2,358 |
| Tier 1 risk-based capital ratio | 18.7465% | 1,663 |
| Total risk-based capital ratio | 19.7506% | 1,684 |
| Memoranda: | ||
| Average total assets | $470,994,250 | 1,489 |
| Average earning assets | $447,874,000 | 1,452 |
| Average equity | $49,828,750 | 1,535 |
| Average total loans | $244,375,750 | 1,859 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2835% | 5,129 |
| Cost of funding earning assets | 0.3510% | 3,571 |
| Net interest margin | 2.9325% | 5,036 |
| Noninterest income to average assets | 0.4620% | 3,274 |
| Noninterest expense to average assets | 1.4446% | 5,607 |
| Loan and lease loss provision to assets | 0.0127% | 3,701 |
| Net operating income to assets | 1.2824% | 1,346 |
| Return on assets (ROA) | 1.2858% | 1,362 |
| Pretax return on assets | 1.7941% | 854 |
| Return on Equity (ROE) | 12.3408% | 1,199 |
| Retained earnings to average equity (ytd only) | 4.1897% | 3,218 |
| Net charge-offs to loans | -0.0025% | 4,201 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4023% | 5,513 |
| Assets per employee ($millions) | 6.0546% | 1,417 |
| Cash dividends to net income (ytd only)* | 66.0502% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,642 |
| Loan loss allowance to noncurrent loans | 2,935.8696% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 5,202 |
| Noncurrent loans to loans | 0.0371% | 5,005 |
| Net loans and leases to total assets | 52.5862% | 4,519 |
| Net loans and leases to deposits | 59.1610% | 4,690 |
| Net loans and leases to core deposits | 60.5559% | 4,795 |
| Total domestic deposits to total assets | 88.8865% | 1,015 |
| Equity capital to assets | 10.8050% | 3,029 |
| Core capital (leverage) ratio | 10.7515% | 2,651 |
| Tier 1 risk-based capital ratio | 18.5118% | 1,714 |
| Total risk-based capital ratio | 19.5314% | 1,741 |
| Memoranda: | ||
| Average total assets | $470,994,000 | 1,493 |
| Average earning assets | $447,262,670 | 1,458 |
| Average equity | $49,073,000 | 1,554 |
| Average total loans | $240,978,000 | 1,881 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2348% | 5,195 |
| Cost of funding earning assets | 0.3467% | 3,568 |
| Net interest margin | 2.8881% | 5,111 |
| Noninterest income to average assets | 0.4369% | 3,402 |
| Noninterest expense to average assets | 1.4601% | 5,657 |
| Loan and lease loss provision to assets | 0.0127% | 3,404 |
| Net operating income to assets | 1.2387% | 1,408 |
| Return on assets (ROA) | 1.2387% | 1,444 |
| Pretax return on assets | 1.6950% | 1,017 |
| Return on Equity (ROE) | 12.1101% | 1,206 |
| Retained earnings to average equity (ytd only) | -4.4112% | 5,352 |
| Net charge-offs to loans | -0.0051% | 4,188 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9856% | 5,528 |
| Assets per employee ($millions) | 6.1947% | 1,372 |
| Cash dividends to net income (ytd only)* | 136.4256% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,665 |
| Loan loss allowance to noncurrent loans | 2,487.0370% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 5,240 |
| Noncurrent loans to loans | 0.0446% | 5,015 |
| Net loans and leases to total assets | 51.5335% | 4,554 |
| Net loans and leases to deposits | 57.7750% | 4,717 |
| Net loans and leases to core deposits | 59.2802% | 4,815 |
| Total domestic deposits to total assets | 89.1968% | 1,050 |
| Equity capital to assets | 10.3895% | 3,306 |
| Core capital (leverage) ratio | 10.4856% | 2,920 |
| Tier 1 risk-based capital ratio | 18.4690% | 1,750 |
| Total risk-based capital ratio | 19.5111% | 1,754 |
| Memoranda: | ||
| Average total assets | $473,387,000 | 1,493 |
| Average earning assets | $447,634,500 | 1,460 |
| Average equity | $48,422,500 | 1,570 |
| Average total loans | $237,536,000 | 1,908 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1044% | 5,398 |
| Cost of funding earning assets | 0.3335% | 3,710 |
| Net interest margin | 2.7709% | 5,331 |
| Noninterest income to average assets | 0.4609% | 3,479 |
| Noninterest expense to average assets | 1.5130% | 5,707 |
| Loan and lease loss provision to assets | 0.0126% | 4,127 |
| Net operating income to assets | 1.1579% | 1,660 |
| Return on assets (ROA) | 1.1633% | 1,731 |
| Pretax return on assets | 1.5878% | 1,321 |
| Return on Equity (ROE) | 11.1945% | 1,508 |
| Retained earnings to average equity (ytd only) | 5.1510% | 2,238 |
| Net charge-offs to loans | 0.0061% | 4,040 |
| Credit loss provision to net charge-offs | 428.5714% | 749 |
| Earnings coverage of net charge-offs (x) | 543.5714% | 155 |
| Efficiency ratio | 48.6184% | 5,546 |
| Assets per employee ($millions) | 6.6051% | 1,099 |
| Cash dividends to net income (ytd only)* | 53.9860% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 3,458 |
| Loan loss allowance to noncurrent loans | 4,680.7018% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 5,357 |
| Noncurrent loans to loans | 0.0245% | 5,168 |
| Net loans and leases to total assets | 47.7615% | 4,915 |
| Net loans and leases to deposits | 53.2771% | 5,047 |
| Net loans and leases to core deposits | 54.7677% | 5,109 |
| Total domestic deposits to total assets | 89.6472% | 799 |
| Equity capital to assets | 10.0743% | 3,644 |
| Core capital (leverage) ratio | 10.3829% | 3,013 |
| Tier 1 risk-based capital ratio | 18.9213% | 1,622 |
| Total risk-based capital ratio | 19.9704% | 1,641 |
| Memoranda: | ||
| Average total assets | $477,711,200 | 1,436 |
| Average earning assets | $456,032,400 | 1,402 |
| Average equity | $49,640,400 | 1,528 |
| Average total loans | $228,041,600 | 1,923 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0885% | 5,479 |
| Cost of funding earning assets | 0.3333% | 3,743 |
| Net interest margin | 2.7552% | 5,427 |
| Noninterest income to average assets | 0.4616% | 3,480 |
| Noninterest expense to average assets | 1.4765% | 5,778 |
| Loan and lease loss provision to assets | 0.0126% | 3,997 |
| Net operating income to assets | 1.1799% | 1,705 |
| Return on assets (ROA) | 1.1873% | 1,780 |
| Pretax return on assets | 1.6259% | 1,314 |
| Return on Equity (ROE) | 11.3382% | 1,541 |
| Retained earnings to average equity (ytd only) | 7.3308% | 1,469 |
| Net charge-offs to loans | 0.0006% | 3,939 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 5,835.4436% | 6 |
| Efficiency ratio | 47.4547% | 5,611 |
| Assets per employee ($millions) | 6.4383% | 1,147 |
| Cash dividends to net income (ytd only)* | 35.3440% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 3,387 |
| Loan loss allowance to noncurrent loans | 14,031.5789% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 5,497 |
| Noncurrent loans to loans | 0.0084% | 5,377 |
| Net loans and leases to total assets | 46.9635% | 5,024 |
| Net loans and leases to deposits | 52.8912% | 5,161 |
| Net loans and leases to core deposits | 54.4420% | 5,211 |
| Total domestic deposits to total assets | 88.7926% | 1,006 |
| Equity capital to assets | 10.8235% | 3,225 |
| Core capital (leverage) ratio | 10.4137% | 3,094 |
| Tier 1 risk-based capital ratio | 19.8109% | 1,482 |
| Total risk-based capital ratio | 20.8984% | 1,478 |
| Memoranda: | ||
| Average total assets | $476,596,750 | 1,440 |
| Average earning assets | $457,261,500 | 1,401 |
| Average equity | $49,906,750 | 1,529 |
| Average total loans | $226,812,250 | 1,931 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0990% | 5,545 |
| Cost of funding earning assets | 0.3330% | 3,766 |
| Net interest margin | 2.7660% | 5,486 |
| Noninterest income to average assets | 0.4381% | 3,614 |
| Noninterest expense to average assets | 1.4493% | 5,874 |
| Loan and lease loss provision to assets | 0.0126% | 3,850 |
| Net operating income to assets | 1.1858% | 1,656 |
| Return on assets (ROA) | 1.1937% | 1,718 |
| Pretax return on assets | 1.6431% | 1,244 |
| Return on Equity (ROE) | 11.5291% | 1,468 |
| Retained earnings to average equity (ytd only) | 5.4505% | 2,450 |
| Net charge-offs to loans | -0.0150% | 4,837 |
| Credit loss provision to net charge-offs | -176.4706% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7453% | 5,726 |
| Assets per employee ($millions) | 6.3991% | 1,137 |
| Cash dividends to net income (ytd only)* | 52.7241% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 3,403 |
| Loan loss allowance to noncurrent loans | 1,314.7783% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 5,378 |
| Noncurrent loans to loans | 0.0907% | 5,086 |
| Net loans and leases to total assets | 46.6820% | 5,086 |
| Net loans and leases to deposits | 52.5421% | 5,224 |
| Net loans and leases to core deposits | 54.1627% | 5,269 |
| Total domestic deposits to total assets | 88.8469% | 984 |
| Equity capital to assets | 10.7122% | 3,384 |
| Core capital (leverage) ratio | 10.0246% | 3,536 |
| Tier 1 risk-based capital ratio | 19.4781% | 1,574 |
| Total risk-based capital ratio | 20.5774% | 1,580 |
| Memoranda: | ||
| Average total assets | $476,650,330 | 1,440 |
| Average earning assets | $457,695,000 | 1,399 |
| Average equity | $49,353,330 | 1,542 |
| Average total loans | $226,944,000 | 1,940 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0904% | 5,616 |
| Cost of funding earning assets | 0.3307% | 3,836 |
| Net interest margin | 2.7597% | 5,531 |
| Noninterest income to average assets | 0.3814% | 3,977 |
| Noninterest expense to average assets | 1.4144% | 5,955 |
| Loan and lease loss provision to assets | 0.0125% | 3,527 |
| Net operating income to assets | 1.1643% | 1,662 |
| Return on assets (ROA) | 1.1794% | 1,718 |
| Pretax return on assets | 1.6277% | 1,230 |
| Return on Equity (ROE) | 11.5890% | 1,429 |
| Retained earnings to average equity (ytd only) | 11.5890% | 563 |
| Net charge-offs to loans | -0.0158% | 4,740 |
| Credit loss provision to net charge-offs | -166.6667% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5123% | 5,789 |
| Assets per employee ($millions) | 6.5753% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 3,742 |
| Loan loss allowance to noncurrent loans | 1,729.4118% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 5,516 |
| Noncurrent loans to loans | 0.0667% | 5,209 |
| Net loans and leases to total assets | 47.2284% | 5,028 |
| Net loans and leases to deposits | 52.9994% | 5,166 |
| Net loans and leases to core deposits | 54.5522% | 5,211 |
| Total domestic deposits to total assets | 89.1111% | 1,050 |
| Equity capital to assets | 10.4393% | 3,566 |
| Core capital (leverage) ratio | 10.0933% | 3,429 |
| Tier 1 risk-based capital ratio | 19.1373% | 1,699 |
| Total risk-based capital ratio | 20.2076% | 1,710 |
| Memoranda: | ||
| Average total assets | $478,207,500 | 1,438 |
| Average earning assets | $459,616,000 | 1,394 |
| Average equity | $48,667,000 | 1,557 |
| Average total loans | $228,553,500 | 1,928 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1533% | 5,574 |
| Cost of funding earning assets | 0.3290% | 3,926 |
| Net interest margin | 2.8242% | 5,471 |
| Noninterest income to average assets | 0.4826% | 3,445 |
| Noninterest expense to average assets | 1.4920% | 5,987 |
| Loan and lease loss provision to assets | 0.0132% | 4,148 |
| Net operating income to assets | 1.2150% | 1,500 |
| Return on assets (ROA) | 1.2155% | 1,563 |
| Pretax return on assets | 1.6758% | 1,054 |
| Return on Equity (ROE) | 12.0223% | 1,293 |
| Retained earnings to average equity (ytd only) | 7.6712% | 1,028 |
| Net charge-offs to loans | 0.0231% | 3,797 |
| Credit loss provision to net charge-offs | 117.6471% | 2,188 |
| Earnings coverage of net charge-offs (x) | 150.5098% | 422 |
| Efficiency ratio | 46.8151% | 5,885 |
| Assets per employee ($millions) | 6.4381% | 1,124 |
| Cash dividends to net income (ytd only)* | 36.1925% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 3,744 |
| Loan loss allowance to noncurrent loans | 993.1818% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 5,445 |
| Noncurrent loans to loans | 0.1159% | 5,032 |
| Net loans and leases to total assets | 47.2577% | 5,074 |
| Net loans and leases to deposits | 52.6145% | 5,252 |
| Net loans and leases to core deposits | 54.4262% | 5,286 |
| Total domestic deposits to total assets | 89.8186% | 706 |
| Equity capital to assets | 9.9127% | 4,060 |
| Core capital (leverage) ratio | 9.6254% | 4,009 |
| Tier 1 risk-based capital ratio | 18.6203% | 1,798 |
| Total risk-based capital ratio | 19.6808% | 1,797 |
| Memoranda: | ||
| Average total assets | $454,636,600 | 1,476 |
| Average earning assets | $434,281,400 | 1,439 |
| Average equity | $45,964,400 | 1,605 |
| Average total loans | $220,425,800 | 1,922 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1554% | 5,634 |
| Cost of funding earning assets | 0.3312% | 3,974 |
| Net interest margin | 2.8241% | 5,541 |
| Noninterest income to average assets | 0.4883% | 3,454 |
| Noninterest expense to average assets | 1.4663% | 6,062 |
| Loan and lease loss provision to assets | 0.0134% | 4,005 |
| Net operating income to assets | 1.2343% | 1,544 |
| Return on assets (ROA) | 1.2354% | 1,595 |
| Pretax return on assets | 1.7052% | 1,090 |
| Return on Equity (ROE) | 12.1562% | 1,334 |
| Retained earnings to average equity (ytd only) | 9.2354% | 815 |
| Net charge-offs to loans | 0.0207% | 3,522 |
| Credit loss provision to net charge-offs | 132.3529% | 1,853 |
| Earnings coverage of net charge-offs (x) | 170.1553% | 420 |
| Efficiency ratio | 45.9580% | 5,964 |
| Assets per employee ($millions) | 6.2704% | 1,192 |
| Cash dividends to net income (ytd only)* | 24.0269% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 3,756 |
| Loan loss allowance to noncurrent loans | 1,058.0645% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 5,565 |
| Noncurrent loans to loans | 0.1117% | 5,185 |
| Net loans and leases to total assets | 46.6486% | 5,180 |
| Net loans and leases to deposits | 52.0804% | 5,368 |
| Net loans and leases to core deposits | 53.7538% | 5,416 |
| Total domestic deposits to total assets | 89.5703% | 743 |
| Equity capital to assets | 10.1342% | 4,017 |
| Core capital (leverage) ratio | 9.9822% | 3,656 |
| Tier 1 risk-based capital ratio | 18.8182% | 1,816 |
| Total risk-based capital ratio | 19.8978% | 1,826 |
| Memoranda: | ||
| Average total assets | $449,190,750 | 1,502 |
| Average earning assets | $428,673,750 | 1,455 |
| Average equity | $45,649,000 | 1,621 |
| Average total loans | $218,590,500 | 1,941 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1754% | 5,654 |
| Cost of funding earning assets | 0.3305% | 4,045 |
| Net interest margin | 2.8450% | 5,535 |
| Noninterest income to average assets | 0.4935% | 3,423 |
| Noninterest expense to average assets | 1.4764% | 6,125 |
| Loan and lease loss provision to assets | 0.0136% | 3,847 |
| Net operating income to assets | 1.2386% | 1,500 |
| Return on assets (ROA) | 1.2403% | 1,556 |
| Pretax return on assets | 1.7161% | 1,051 |
| Return on Equity (ROE) | 12.1924% | 1,317 |
| Retained earnings to average equity (ytd only) | 7.7458% | 1,366 |
| Net charge-offs to loans | -0.0074% | 4,846 |
| Credit loss provision to net charge-offs | -375.0000% | 5,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9833% | 6,044 |
| Assets per employee ($millions) | 6.1360% | 1,252 |
| Cash dividends to net income (ytd only)* | 36.4697% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 3,699 |
| Loan loss allowance to noncurrent loans | 981.8519% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 5,620 |
| Noncurrent loans to loans | 0.1238% | 5,257 |
| Net loans and leases to total assets | 48.1036% | 5,098 |
| Net loans and leases to deposits | 53.6687% | 5,278 |
| Net loans and leases to core deposits | 55.3397% | 5,352 |
| Total domestic deposits to total assets | 89.6307% | 825 |
| Equity capital to assets | 10.1351% | 3,890 |
| Core capital (leverage) ratio | 10.1404% | 3,410 |
| Tier 1 risk-based capital ratio | 18.6421% | 1,885 |
| Total risk-based capital ratio | 19.7582% | 1,884 |
| Memoranda: | ||
| Average total assets | $442,161,000 | 1,537 |
| Average earning assets | $421,232,330 | 1,490 |
| Average equity | $44,979,000 | 1,657 |
| Average total loans | $217,453,000 | 1,959 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1936% | 5,659 |
| Cost of funding earning assets | 0.3281% | 4,123 |
| Net interest margin | 2.8654% | 5,519 |
| Noninterest income to average assets | 0.4635% | 3,548 |
| Noninterest expense to average assets | 1.4615% | 6,200 |
| Loan and lease loss provision to assets | 0.0137% | 3,547 |
| Net operating income to assets | 1.2441% | 1,421 |
| Return on assets (ROA) | 1.2448% | 1,505 |
| Pretax return on assets | 1.7247% | 1,003 |
| Return on Equity (ROE) | 12.2137% | 1,290 |
| Retained earnings to average equity (ytd only) | 12.2137% | 544 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5736% | 6,124 |
| Assets per employee ($millions) | 5.9349% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 3,839 |
| Loan loss allowance to noncurrent loans | 4,692.8571% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 5,879 |
| Noncurrent loans to loans | 0.0260% | 5,700 |
| Net loans and leases to total assets | 47.7927% | 5,056 |
| Net loans and leases to deposits | 53.5409% | 5,231 |
| Net loans and leases to core deposits | 55.0402% | 5,313 |
| Total domestic deposits to total assets | 89.2639% | 1,106 |
| Equity capital to assets | 10.3101% | 3,765 |
| Core capital (leverage) ratio | 10.2629% | 3,265 |
| Tier 1 risk-based capital ratio | 18.9863% | 1,875 |
| Total risk-based capital ratio | 20.1219% | 1,868 |
| Memoranda: | ||
| Average total assets | $439,277,000 | 1,553 |
| Average earning assets | $419,344,000 | 1,507 |
| Average equity | $44,769,500 | 1,671 |
| Average total loans | $217,119,000 | 1,962 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2942% | 5,710 |
| Cost of funding earning assets | 0.3624% | 4,113 |
| Net interest margin | 2.9318% | 5,580 |
| Noninterest income to average assets | 0.4299% | 3,970 |
| Noninterest expense to average assets | 1.5272% | 6,283 |
| Loan and lease loss provision to assets | 0.0140% | 4,331 |
| Net operating income to assets | 1.2192% | 1,527 |
| Return on assets (ROA) | 1.2241% | 1,568 |
| Pretax return on assets | 1.6935% | 1,000 |
| Return on Equity (ROE) | 13.0588% | 1,123 |
| Retained earnings to average equity (ytd only) | 13.0588% | 220 |
| Net charge-offs to loans | 0.0239% | 4,360 |
| Credit loss provision to net charge-offs | 120.0000% | 1,999 |
| Earnings coverage of net charge-offs (x) | 145.3600% | 376 |
| Efficiency ratio | 47.2089% | 6,220 |
| Assets per employee ($millions) | 5.9375% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 4,040 |
| Loan loss allowance to noncurrent loans | 4,355.0000% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 5,973 |
| Noncurrent loans to loans | 0.0274% | 5,778 |
| Net loans and leases to total assets | 49.8950% | 4,988 |
| Net loans and leases to deposits | 55.6541% | 5,202 |
| Net loans and leases to core deposits | 57.2400% | 5,294 |
| Total domestic deposits to total assets | 89.6520% | 899 |
| Equity capital to assets | 10.0700% | 4,020 |
| Core capital (leverage) ratio | 9.8035% | 3,831 |
| Tier 1 risk-based capital ratio | 18.3940% | 2,020 |
| Total risk-based capital ratio | 19.5251% | 2,018 |
| Memoranda: | ||
| Average total assets | $427,329,800 | 1,557 |
| Average earning assets | $407,842,800 | 1,501 |
| Average equity | $40,057,200 | 1,779 |
| Average total loans | $209,553,600 | 1,976 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2671% | 5,815 |
| Cost of funding earning assets | 0.3669% | 4,161 |
| Net interest margin | 2.9002% | 5,701 |
| Noninterest income to average assets | 0.4237% | 4,069 |
| Noninterest expense to average assets | 1.4795% | 6,366 |
| Loan and lease loss provision to assets | 0.0141% | 4,130 |
| Net operating income to assets | 1.2271% | 1,589 |
| Return on assets (ROA) | 1.2293% | 1,643 |
| Pretax return on assets | 1.7006% | 1,069 |
| Return on Equity (ROE) | 13.3671% | 1,123 |
| Retained earnings to average equity (ytd only) | 13.3671% | 291 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2565% | 6,287 |
| Assets per employee ($millions) | 5.7446% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 4,117 |
| Loan loss allowance to noncurrent loans | 3,677.7778% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 6,066 |
| Noncurrent loans to loans | 0.0332% | 5,898 |
| Net loans and leases to total assets | 49.6888% | 5,041 |
| Net loans and leases to deposits | 55.1702% | 5,297 |
| Net loans and leases to core deposits | 56.7040% | 5,408 |
| Total domestic deposits to total assets | 90.0645% | 707 |
| Equity capital to assets | 9.6811% | 4,571 |
| Core capital (leverage) ratio | 9.4343% | 4,459 |
| Tier 1 risk-based capital ratio | 17.9215% | 2,234 |
| Total risk-based capital ratio | 19.0742% | 2,229 |
| Memoranda: | ||
| Average total assets | $425,802,750 | 1,573 |
| Average earning assets | $406,307,250 | 1,514 |
| Average equity | $39,159,750 | 1,816 |
| Average total loans | $207,222,750 | 2,002 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2324% | 5,903 |
| Cost of funding earning assets | 0.3707% | 4,201 |
| Net interest margin | 2.8618% | 5,794 |
| Noninterest income to average assets | 0.3985% | 4,256 |
| Noninterest expense to average assets | 1.4859% | 6,431 |
| Loan and lease loss provision to assets | 0.0141% | 3,974 |
| Net operating income to assets | 1.1755% | 1,670 |
| Return on assets (ROA) | 1.1775% | 1,734 |
| Pretax return on assets | 1.6283% | 1,186 |
| Return on Equity (ROE) | 13.0360% | 1,163 |
| Retained earnings to average equity (ytd only) | 13.0360% | 334 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4351% | 6,313 |
| Assets per employee ($millions) | 5.9324% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 4,140 |
| Loan loss allowance to noncurrent loans | 737.5350% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 5,886 |
| Noncurrent loans to loans | 0.1699% | 5,499 |
| Net loans and leases to total assets | 47.2510% | 5,238 |
| Net loans and leases to deposits | 52.1955% | 5,486 |
| Net loans and leases to core deposits | 53.7537% | 5,570 |
| Total domestic deposits to total assets | 90.5270% | 580 |
| Equity capital to assets | 9.2188% | 5,084 |
| Core capital (leverage) ratio | 9.3327% | 4,548 |
| Tier 1 risk-based capital ratio | 18.0238% | 2,233 |
| Total risk-based capital ratio | 19.2178% | 2,223 |
| Memoranda: | ||
| Average total assets | $424,121,000 | 1,572 |
| Average earning assets | $404,152,670 | 1,514 |
| Average equity | $38,309,330 | 1,844 |
| Average total loans | $204,053,330 | 2,021 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2828% | 5,876 |
| Cost of funding earning assets | 0.3794% | 4,205 |
| Net interest margin | 2.9034% | 5,743 |
| Noninterest income to average assets | 0.3859% | 4,303 |
| Noninterest expense to average assets | 1.5187% | 6,485 |
| Loan and lease loss provision to assets | 0.0144% | 3,641 |
| Net operating income to assets | 1.1674% | 1,573 |
| Return on assets (ROA) | 1.1702% | 1,636 |
| Pretax return on assets | 1.6185% | 1,136 |
| Return on Equity (ROE) | 13.0973% | 1,139 |
| Retained earnings to average equity (ytd only) | 13.0973% | 475 |
| Net charge-offs to loans | -0.0040% | 4,779 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1244% | 6,351 |
| Assets per employee ($millions) | 5.6112% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 3,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 6,302 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 46.3954% | 5,292 |
| Net loans and leases to deposits | 51.2349% | 5,503 |
| Net loans and leases to core deposits | 52.9374% | 5,566 |
| Total domestic deposits to total assets | 90.5544% | 773 |
| Equity capital to assets | 9.0780% | 5,023 |
| Core capital (leverage) ratio | 9.4057% | 4,414 |
| Tier 1 risk-based capital ratio | 18.2566% | 2,186 |
| Total risk-based capital ratio | 19.5003% | 2,154 |
| Memoranda: | ||
| Average total assets | $416,684,500 | 1,609 |
| Average earning assets | $396,366,500 | 1,558 |
| Average equity | $37,229,000 | 1,885 |
| Average total loans | $201,049,000 | 2,045 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4066% | 5,825 |
| Cost of funding earning assets | 0.4342% | 4,273 |
| Net interest margin | 2.9723% | 5,638 |
| Noninterest income to average assets | 0.4996% | 3,758 |
| Noninterest expense to average assets | 1.6901% | 6,457 |
| Loan and lease loss provision to assets | 0.0298% | 4,513 |
| Net operating income to assets | 1.1697% | 1,685 |
| Return on assets (ROA) | 1.1780% | 1,709 |
| Pretax return on assets | 1.6137% | 1,134 |
| Return on Equity (ROE) | 12.8153% | 1,204 |
| Retained earnings to average equity (ytd only) | 8.7692% | 826 |
| Net charge-offs to loans | 0.0075% | 5,306 |
| Credit loss provision to net charge-offs | 800.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 438.8000% | 93 |
| Efficiency ratio | 50.7688% | 6,365 |
| Assets per employee ($millions) | 5.4280% | 1,727 |
| Cash dividends to net income (ytd only)* | 31.5723% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 4,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 6,394 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 48.8752% | 5,207 |
| Net loans and leases to deposits | 53.7610% | 5,486 |
| Net loans and leases to core deposits | 55.7370% | 5,555 |
| Total domestic deposits to total assets | 90.9121% | 609 |
| Equity capital to assets | 8.7883% | 5,273 |
| Core capital (leverage) ratio | 8.9505% | 5,078 |
| Tier 1 risk-based capital ratio | 17.1321% | 2,550 |
| Total risk-based capital ratio | 18.3300% | 2,546 |
| Memoranda: | ||
| Average total assets | $403,295,200 | 1,633 |
| Average earning assets | $382,968,000 | 1,580 |
| Average equity | $37,072,800 | 1,863 |
| Average total loans | $198,875,200 | 2,012 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4106% | 5,861 |
| Cost of funding earning assets | 0.4433% | 4,348 |
| Net interest margin | 2.9673% | 5,671 |
| Noninterest income to average assets | 0.5210% | 3,668 |
| Noninterest expense to average assets | 1.6469% | 6,523 |
| Loan and lease loss provision to assets | 0.0299% | 4,409 |
| Net operating income to assets | 1.2072% | 1,605 |
| Return on assets (ROA) | 1.2186% | 1,647 |
| Pretax return on assets | 1.6775% | 1,148 |
| Return on Equity (ROE) | 13.1086% | 1,213 |
| Retained earnings to average equity (ytd only) | 13.1086% | 327 |
| Net charge-offs to loans | 0.0074% | 5,020 |
| Credit loss provision to net charge-offs | 818.1818% | 361 |
| Earnings coverage of net charge-offs (x) | 462.4288% | 127 |
| Efficiency ratio | 49.2182% | 6,446 |
| Assets per employee ($millions) | 5.6314% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 4,503 |
| Loan loss allowance to noncurrent loans | 257,700.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 6,471 |
| Noncurrent loans to loans | 0.0005% | 6,403 |
| Net loans and leases to total assets | 47.7210% | 5,383 |
| Net loans and leases to deposits | 52.6166% | 5,664 |
| Net loans and leases to core deposits | 54.6187% | 5,720 |
| Total domestic deposits to total assets | 90.6957% | 657 |
| Equity capital to assets | 9.0158% | 5,168 |
| Core capital (leverage) ratio | 9.5077% | 4,394 |
| Tier 1 risk-based capital ratio | 17.4554% | 2,521 |
| Total risk-based capital ratio | 18.6503% | 2,514 |
| Memoranda: | ||
| Average total assets | $400,987,000 | 1,656 |
| Average earning assets | $380,767,250 | 1,594 |
| Average equity | $37,277,500 | 1,872 |
| Average total loans | $197,537,250 | 2,019 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4226% | 5,855 |
| Cost of funding earning assets | 0.4541% | 4,386 |
| Net interest margin | 2.9685% | 5,652 |
| Noninterest income to average assets | 0.5377% | 3,584 |
| Noninterest expense to average assets | 1.6511% | 6,548 |
| Loan and lease loss provision to assets | 0.0303% | 4,325 |
| Net operating income to assets | 1.2167% | 1,545 |
| Return on assets (ROA) | 1.2336% | 1,606 |
| Pretax return on assets | 1.7011% | 1,111 |
| Return on Equity (ROE) | 13.1308% | 1,217 |
| Retained earnings to average equity (ytd only) | 13.1308% | 370 |
| Net charge-offs to loans | 0.0061% | 4,765 |
| Credit loss provision to net charge-offs | 1,000.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 563.3333% | 70 |
| Efficiency ratio | 49.0447% | 6,480 |
| Assets per employee ($millions) | 5.3932% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 4,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 6,525 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 49.8703% | 5,123 |
| Net loans and leases to deposits | 55.1169% | 5,429 |
| Net loans and leases to core deposits | 57.3507% | 5,484 |
| Total domestic deposits to total assets | 90.4811% | 769 |
| Equity capital to assets | 9.2641% | 4,907 |
| Core capital (leverage) ratio | 9.2744% | 4,588 |
| Tier 1 risk-based capital ratio | 17.4171% | 2,548 |
| Total risk-based capital ratio | 18.6349% | 2,532 |
| Memoranda: | ||
| Average total assets | $395,742,000 | 1,673 |
| Average earning assets | $376,150,000 | 1,615 |
| Average equity | $37,179,670 | 1,879 |
| Average total loans | $196,236,000 | 2,040 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3975% | 5,946 |
| Cost of funding earning assets | 0.4611% | 4,473 |
| Net interest margin | 2.9364% | 5,737 |
| Noninterest income to average assets | 0.5253% | 3,603 |
| Noninterest expense to average assets | 1.6877% | 6,573 |
| Loan and lease loss provision to assets | 0.0302% | 4,076 |
| Net operating income to assets | 1.1588% | 1,642 |
| Return on assets (ROA) | 1.1927% | 1,653 |
| Pretax return on assets | 1.6403% | 1,216 |
| Return on Equity (ROE) | 12.6076% | 1,264 |
| Retained earnings to average equity (ytd only) | 12.6076% | 610 |
| Net charge-offs to loans | 0.0021% | 4,127 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 1,611.0000% | 7 |
| Efficiency ratio | 50.8371% | 6,449 |
| Assets per employee ($millions) | 5.4911% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 4,733 |
| Loan loss allowance to noncurrent loans | 1,495.2663% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 6,452 |
| Noncurrent loans to loans | 0.0865% | 6,222 |
| Net loans and leases to total assets | 48.0909% | 5,217 |
| Net loans and leases to deposits | 53.4315% | 5,483 |
| Net loans and leases to core deposits | 55.7457% | 5,544 |
| Total domestic deposits to total assets | 90.0048% | 1,049 |
| Equity capital to assets | 9.4684% | 4,891 |
| Core capital (leverage) ratio | 9.1521% | 4,636 |
| Tier 1 risk-based capital ratio | 17.3148% | 2,642 |
| Total risk-based capital ratio | 18.5573% | 2,607 |
| Memoranda: | ||
| Average total assets | $396,762,500 | 1,685 |
| Average earning assets | $376,510,000 | 1,626 |
| Average equity | $37,533,000 | 1,886 |
| Average total loans | $194,908,000 | 2,066 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7418% | 5,965 |
| Cost of funding earning assets | 0.6002% | 4,353 |
| Net interest margin | 3.1416% | 5,719 |
| Noninterest income to average assets | 0.6924% | 2,758 |
| Noninterest expense to average assets | 1.7373% | 6,689 |
| Loan and lease loss provision to assets | 0.0552% | 5,108 |
| Net operating income to assets | 1.3615% | 1,171 |
| Return on assets (ROA) | 1.3630% | 1,295 |
| Pretax return on assets | 1.8806% | 780 |
| Return on Equity (ROE) | 13.8867% | 1,011 |
| Retained earnings to average equity (ytd only) | 3.1696% | 3,995 |
| Net charge-offs to loans | -0.0259% | 6,593 |
| Credit loss provision to net charge-offs | -420.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3243% | 6,738 |
| Assets per employee ($millions) | 5.3791% | 1,811 |
| Cash dividends to net income (ytd only)* | 77.1754% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 4,716 |
| Loan loss allowance to noncurrent loans | 1,452.3256% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 6,495 |
| Noncurrent loans to loans | 0.0884% | 6,268 |
| Net loans and leases to total assets | 48.9001% | 5,315 |
| Net loans and leases to deposits | 54.3325% | 5,621 |
| Net loans and leases to core deposits | 56.7290% | 5,657 |
| Total domestic deposits to total assets | 90.0016% | 951 |
| Equity capital to assets | 9.4511% | 4,934 |
| Core capital (leverage) ratio | 8.9159% | 5,022 |
| Tier 1 risk-based capital ratio | 17.0121% | 2,647 |
| Total risk-based capital ratio | 18.2528% | 2,616 |
| Memoranda: | ||
| Average total assets | $380,254,600 | 1,711 |
| Average earning assets | $360,519,600 | 1,657 |
| Average equity | $37,323,400 | 1,860 |
| Average total loans | $192,725,800 | 2,073 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7836% | 6,062 |
| Cost of funding earning assets | 0.6269% | 4,393 |
| Net interest margin | 3.1567% | 5,804 |
| Noninterest income to average assets | 0.6745% | 2,857 |
| Noninterest expense to average assets | 1.6835% | 6,803 |
| Loan and lease loss provision to assets | 0.0583% | 5,000 |
| Net operating income to assets | 1.3982% | 1,224 |
| Return on assets (ROA) | 1.3999% | 1,344 |
| Pretax return on assets | 1.9348% | 805 |
| Return on Equity (ROE) | 14.1263% | 1,082 |
| Retained earnings to average equity (ytd only) | 10.5590% | 773 |
| Net charge-offs to loans | 0.0451% | 5,022 |
| Credit loss provision to net charge-offs | 253.8462% | 1,082 |
| Earnings coverage of net charge-offs (x) | 86.6352% | 480 |
| Efficiency ratio | 45.8193% | 6,824 |
| Assets per employee ($millions) | 5.4400% | 1,694 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 5,180 |
| Loan loss allowance to noncurrent loans | 366.4577% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 6,269 |
| Noncurrent loans to loans | 0.3335% | 5,805 |
| Net loans and leases to total assets | 48.2418% | 5,523 |
| Net loans and leases to deposits | 53.9411% | 5,814 |
| Net loans and leases to core deposits | 56.6301% | 5,843 |
| Total domestic deposits to total assets | 89.4342% | 1,167 |
| Equity capital to assets | 9.9980% | 4,494 |
| Core capital (leverage) ratio | 9.5380% | 4,212 |
| Tier 1 risk-based capital ratio | 18.1305% | 2,290 |
| Total risk-based capital ratio | 19.3071% | 2,291 |
| Memoranda: | ||
| Average total assets | $377,149,750 | 1,749 |
| Average earning assets | $358,383,750 | 1,688 |
| Average equity | $37,376,250 | 1,881 |
| Average total loans | $192,278,250 | 2,097 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 6,053 |
| Cost of funding earning assets | 0.6580% | 4,375 |
| Net interest margin | 3.1809% | 5,797 |
| Noninterest income to average assets | 0.6414% | 2,997 |
| Noninterest expense to average assets | 1.7007% | 6,842 |
| Loan and lease loss provision to assets | 0.0645% | 4,841 |
| Net operating income to assets | 1.3768% | 1,241 |
| Return on assets (ROA) | 1.3795% | 1,389 |
| Pretax return on assets | 1.9054% | 834 |
| Return on Equity (ROE) | 13.9635% | 1,130 |
| Retained earnings to average equity (ytd only) | 8.5260% | 1,443 |
| Net charge-offs to loans | 0.0706% | 4,440 |
| Credit loss provision to net charge-offs | 176.4706% | 1,593 |
| Earnings coverage of net charge-offs (x) | 53.8235% | 690 |
| Efficiency ratio | 46.3815% | 6,868 |
| Assets per employee ($millions) | 5.2911% | 1,824 |
| Cash dividends to net income (ytd only)* | 38.9408% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 5,393 |
| Loan loss allowance to noncurrent loans | 484.1438% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 6,450 |
| Noncurrent loans to loans | 0.2463% | 6,086 |
| Net loans and leases to total assets | 49.8170% | 5,376 |
| Net loans and leases to deposits | 55.5554% | 5,699 |
| Net loans and leases to core deposits | 58.4841% | 5,739 |
| Total domestic deposits to total assets | 89.6710% | 1,114 |
| Equity capital to assets | 9.8266% | 4,582 |
| Core capital (leverage) ratio | 9.3679% | 4,348 |
| Tier 1 risk-based capital ratio | 17.7039% | 2,396 |
| Total risk-based capital ratio | 18.8744% | 2,397 |
| Memoranda: | ||
| Average total assets | $372,307,330 | 1,772 |
| Average earning assets | $354,109,670 | 1,703 |
| Average equity | $36,781,670 | 1,898 |
| Average total loans | $192,607,670 | 2,096 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8822% | 6,061 |
| Cost of funding earning assets | 0.6930% | 4,339 |
| Net interest margin | 3.1892% | 5,810 |
| Noninterest income to average assets | 0.6761% | 2,772 |
| Noninterest expense to average assets | 1.7490% | 6,857 |
| Loan and lease loss provision to assets | 0.0652% | 4,607 |
| Net operating income to assets | 1.3678% | 1,283 |
| Return on assets (ROA) | 1.3685% | 1,437 |
| Pretax return on assets | 1.8892% | 899 |
| Return on Equity (ROE) | 13.8143% | 1,224 |
| Retained earnings to average equity (ytd only) | 13.8143% | 586 |
| Net charge-offs to loans | 0.1555% | 3,162 |
| Credit loss provision to net charge-offs | 80.0000% | 2,727 |
| Earnings coverage of net charge-offs (x) | 23.9600% | 1,075 |
| Efficiency ratio | 47.2402% | 6,844 |
| Assets per employee ($millions) | 5.1643% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 5,678 |
| Loan loss allowance to noncurrent loans | 1,984.8214% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 6,643 |
| Noncurrent loans to loans | 0.0584% | 6,609 |
| Net loans and leases to total assets | 50.9647% | 5,165 |
| Net loans and leases to deposits | 57.0071% | 5,484 |
| Net loans and leases to core deposits | 60.1055% | 5,516 |
| Total domestic deposits to total assets | 89.4006% | 1,421 |
| Equity capital to assets | 9.9502% | 4,189 |
| Core capital (leverage) ratio | 9.7361% | 3,725 |
| Tier 1 risk-based capital ratio | 17.7085% | 2,400 |
| Total risk-based capital ratio | 18.8525% | 2,410 |
| Memoranda: | ||
| Average total assets | $367,983,000 | 1,802 |
| Average earning assets | $349,183,000 | 1,731 |
| Average equity | $36,455,000 | 1,905 |
| Average total loans | $192,876,000 | 2,101 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 6,250 |
| Cost of funding earning assets | 0.8822% | 4,239 |
| Net interest margin | 3.2343% | 5,996 |
| Noninterest income to average assets | 0.5313% | 3,642 |
| Noninterest expense to average assets | 1.7921% | 6,959 |
| Loan and lease loss provision to assets | 0.0674% | 5,764 |
| Net operating income to assets | 1.2715% | 1,318 |
| Return on assets (ROA) | 1.2723% | 1,417 |
| Pretax return on assets | 1.7522% | 892 |
| Return on Equity (ROE) | 12.6927% | 1,232 |
| Retained earnings to average equity (ytd only) | 2.8881% | 4,188 |
| Net charge-offs to loans | 0.1002% | 5,350 |
| Credit loss provision to net charge-offs | 125.0000% | 2,500 |
| Earnings coverage of net charge-offs (x) | 33.7292% | 767 |
| Efficiency ratio | 49.6345% | 6,857 |
| Assets per employee ($millions) | 4.8551% | 2,371 |
| Cash dividends to net income (ytd only)* | 77.2456% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 5,612 |
| Loan loss allowance to noncurrent loans | 560.9023% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 6,654 |
| Noncurrent loans to loans | 0.2056% | 6,336 |
| Net loans and leases to total assets | 52.6696% | 5,208 |
| Net loans and leases to deposits | 58.8162% | 5,616 |
| Net loans and leases to core deposits | 62.3417% | 5,620 |
| Total domestic deposits to total assets | 89.5495% | 1,237 |
| Equity capital to assets | 9.8623% | 4,352 |
| Core capital (leverage) ratio | 9.3263% | 4,287 |
| Tier 1 risk-based capital ratio | 17.0288% | 2,587 |
| Total risk-based capital ratio | 18.1764% | 2,599 |
| Memoranda: | ||
| Average total assets | $356,120,800 | 1,821 |
| Average earning assets | $339,056,000 | 1,751 |
| Average equity | $35,697,800 | 1,895 |
| Average total loans | $191,663,000 | 2,115 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 6,333 |
| Cost of funding earning assets | 0.9165% | 4,293 |
| Net interest margin | 3.2228% | 6,102 |
| Noninterest income to average assets | 0.4947% | 3,912 |
| Noninterest expense to average assets | 1.7591% | 7,037 |
| Loan and lease loss provision to assets | 0.0678% | 5,608 |
| Net operating income to assets | 1.2609% | 1,483 |
| Return on assets (ROA) | 1.2617% | 1,590 |
| Pretax return on assets | 1.7433% | 1,054 |
| Return on Equity (ROE) | 12.5347% | 1,401 |
| Retained earnings to average equity (ytd only) | 12.5347% | 425 |
| Net charge-offs to loans | 0.1333% | 4,722 |
| Credit loss provision to net charge-offs | 94.2408% | 3,626 |
| Earnings coverage of net charge-offs (x) | 25.1676% | 1,056 |
| Efficiency ratio | 49.2879% | 6,864 |
| Assets per employee ($millions) | 4.9154% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 5,693 |
| Loan loss allowance to noncurrent loans | 441.0931% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 6,598 |
| Noncurrent loans to loans | 0.2601% | 6,354 |
| Net loans and leases to total assets | 52.3138% | 5,410 |
| Net loans and leases to deposits | 58.9590% | 5,751 |
| Net loans and leases to core deposits | 62.6408% | 5,757 |
| Total domestic deposits to total assets | 88.7290% | 1,595 |
| Equity capital to assets | 10.6216% | 3,549 |
| Core capital (leverage) ratio | 10.0485% | 3,370 |
| Tier 1 risk-based capital ratio | 18.6042% | 2,062 |
| Total risk-based capital ratio | 19.7462% | 2,053 |
| Memoranda: | ||
| Average total assets | $354,117,500 | 1,836 |
| Average earning assets | $337,790,750 | 1,769 |
| Average equity | $35,644,250 | 1,896 |
| Average total loans | $191,072,250 | 2,144 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 6,393 |
| Cost of funding earning assets | 0.9367% | 4,416 |
| Net interest margin | 3.2096% | 6,130 |
| Noninterest income to average assets | 0.4107% | 4,589 |
| Noninterest expense to average assets | 1.7649% | 7,118 |
| Loan and lease loss provision to assets | 0.0681% | 5,454 |
| Net operating income to assets | 1.1924% | 1,594 |
| Return on assets (ROA) | 1.1936% | 1,680 |
| Pretax return on assets | 1.6469% | 1,160 |
| Return on Equity (ROE) | 12.0845% | 1,465 |
| Retained earnings to average equity (ytd only) | 12.0845% | 508 |
| Net charge-offs to loans | 0.2058% | 3,921 |
| Credit loss provision to net charge-offs | 60.9137% | 4,318 |
| Earnings coverage of net charge-offs (x) | 15.3299% | 1,413 |
| Efficiency ratio | 50.7421% | 6,892 |
| Assets per employee ($millions) | 4.9179% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 5,906 |
| Loan loss allowance to noncurrent loans | 668.6709% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 6,665 |
| Noncurrent loans to loans | 0.1665% | 6,564 |
| Net loans and leases to total assets | 53.0087% | 5,435 |
| Net loans and leases to deposits | 59.4012% | 5,788 |
| Net loans and leases to core deposits | 62.9377% | 5,815 |
| Total domestic deposits to total assets | 89.2384% | 1,391 |
| Equity capital to assets | 10.2389% | 3,831 |
| Core capital (leverage) ratio | 9.7514% | 3,596 |
| Tier 1 risk-based capital ratio | 18.3410% | 2,061 |
| Total risk-based capital ratio | 19.4731% | 2,058 |
| Memoranda: | ||
| Average total assets | $352,548,330 | 1,860 |
| Average earning assets | $336,922,670 | 1,778 |
| Average equity | $34,821,330 | 1,917 |
| Average total loans | $191,465,000 | 2,165 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 6,437 |
| Cost of funding earning assets | 0.9482% | 4,581 |
| Net interest margin | 3.1838% | 6,118 |
| Noninterest income to average assets | 0.4003% | 4,695 |
| Noninterest expense to average assets | 1.8000% | 7,142 |
| Loan and lease loss provision to assets | 0.0682% | 5,138 |
| Net operating income to assets | 1.1434% | 1,688 |
| Return on assets (ROA) | 1.1450% | 1,733 |
| Pretax return on assets | 1.5771% | 1,238 |
| Return on Equity (ROE) | 11.8108% | 1,512 |
| Retained earnings to average equity (ytd only) | 11.8108% | 764 |
| Net charge-offs to loans | -0.0062% | 6,272 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2787% | 6,832 |
| Assets per employee ($millions) | 4.8780% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 5,741 |
| Loan loss allowance to noncurrent loans | 299.6011% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 6,386 |
| Noncurrent loans to loans | 0.3924% | 6,212 |
| Net loans and leases to total assets | 53.9182% | 5,313 |
| Net loans and leases to deposits | 60.1875% | 5,713 |
| Net loans and leases to core deposits | 63.7834% | 5,751 |
| Total domestic deposits to total assets | 89.5837% | 1,436 |
| Equity capital to assets | 9.8636% | 3,949 |
| Core capital (leverage) ratio | 9.5959% | 3,667 |
| Tier 1 risk-based capital ratio | 17.7738% | 2,188 |
| Total risk-based capital ratio | 18.9806% | 2,173 |
| Memoranda: | ||
| Average total assets | $351,777,000 | 1,875 |
| Average earning assets | $336,198,500 | 1,787 |
| Average equity | $34,104,500 | 1,939 |
| Average total loans | $192,291,500 | 2,181 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5326% | 6,308 |
| Cost of funding earning assets | 1.1496% | 4,849 |
| Net interest margin | 3.3830% | 5,696 |
| Noninterest income to average assets | 0.6040% | 3,454 |
| Noninterest expense to average assets | 1.8761% | 7,194 |
| Loan and lease loss provision to assets | 0.0706% | 6,434 |
| Net operating income to assets | 1.3536% | 1,039 |
| Return on assets (ROA) | 1.3777% | 1,060 |
| Pretax return on assets | 1.9261% | 577 |
| Return on Equity (ROE) | 13.6069% | 962 |
| Retained earnings to average equity (ytd only) | 3.4373% | 3,461 |
| Net charge-offs to loans | 0.0453% | 6,354 |
| Credit loss provision to net charge-offs | 272.7273% | 1,004 |
| Earnings coverage of net charge-offs (x) | 75.8295% | 319 |
| Efficiency ratio | 48.8659% | 7,211 |
| Assets per employee ($millions) | 4.8265% | 2,392 |
| Cash dividends to net income (ytd only)* | 74.7384% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 5,805 |
| Loan loss allowance to noncurrent loans | 315.1079% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 6,604 |
| Noncurrent loans to loans | 0.3602% | 6,342 |
| Net loans and leases to total assets | 54.1442% | 5,614 |
| Net loans and leases to deposits | 60.1742% | 6,039 |
| Net loans and leases to core deposits | 63.8077% | 6,065 |
| Total domestic deposits to total assets | 89.9791% | 1,117 |
| Equity capital to assets | 9.5267% | 4,373 |
| Core capital (leverage) ratio | 9.2700% | 4,070 |
| Tier 1 risk-based capital ratio | 17.1685% | 2,288 |
| Total risk-based capital ratio | 18.3354% | 2,287 |
| Memoranda: | ||
| Average total assets | $339,907,400 | 1,922 |
| Average earning assets | $325,069,800 | 1,836 |
| Average equity | $34,416,400 | 1,922 |
| Average total loans | $194,299,800 | 2,207 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 6,332 |
| Cost of funding earning assets | 1.1921% | 4,903 |
| Net interest margin | 3.4080% | 5,645 |
| Noninterest income to average assets | 0.5570% | 3,728 |
| Noninterest expense to average assets | 1.8511% | 7,266 |
| Loan and lease loss provision to assets | 0.0713% | 6,349 |
| Net operating income to assets | 1.3558% | 1,208 |
| Return on assets (ROA) | 1.3883% | 1,211 |
| Pretax return on assets | 1.9414% | 716 |
| Return on Equity (ROE) | 13.5028% | 1,141 |
| Retained earnings to average equity (ytd only) | 13.5028% | 304 |
| Net charge-offs to loans | 0.0329% | 6,229 |
| Credit loss provision to net charge-offs | 375.0000% | 831 |
| Earnings coverage of net charge-offs (x) | 103.5391% | 299 |
| Efficiency ratio | 48.4761% | 7,242 |
| Assets per employee ($millions) | 4.6295% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 5,846 |
| Loan loss allowance to noncurrent loans | 260.6242% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 6,625 |
| Noncurrent loans to loans | 0.4306% | 6,335 |
| Net loans and leases to total assets | 55.0893% | 5,685 |
| Net loans and leases to deposits | 62.0480% | 6,111 |
| Net loans and leases to core deposits | 65.7313% | 6,147 |
| Total domestic deposits to total assets | 88.7849% | 1,519 |
| Equity capital to assets | 10.6045% | 3,403 |
| Core capital (leverage) ratio | 10.1619% | 3,083 |
| Tier 1 risk-based capital ratio | 18.3964% | 1,901 |
| Total risk-based capital ratio | 19.5522% | 1,889 |
| Memoranda: | ||
| Average total assets | $336,800,500 | 1,964 |
| Average earning assets | $322,333,750 | 1,867 |
| Average equity | $34,629,000 | 1,936 |
| Average total loans | $194,635,000 | 2,242 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 6,232 |
| Cost of funding earning assets | 1.2281% | 4,968 |
| Net interest margin | 3.4467% | 5,450 |
| Noninterest income to average assets | 0.4860% | 4,225 |
| Noninterest expense to average assets | 1.8534% | 7,328 |
| Loan and lease loss provision to assets | 0.0720% | 6,224 |
| Net operating income to assets | 1.3311% | 1,236 |
| Return on assets (ROA) | 1.3788% | 1,199 |
| Pretax return on assets | 1.9284% | 697 |
| Return on Equity (ROE) | 13.5581% | 1,128 |
| Retained earnings to average equity (ytd only) | 13.5581% | 337 |
| Net charge-offs to loans | 0.0113% | 6,187 |
| Credit loss provision to net charge-offs | 1,090.9091% | 345 |
| Earnings coverage of net charge-offs (x) | 292.9091% | 115 |
| Efficiency ratio | 48.9463% | 7,291 |
| Assets per employee ($millions) | 4.6305% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 5,938 |
| Loan loss allowance to noncurrent loans | 211.9447% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 6,553 |
| Noncurrent loans to loans | 0.5186% | 6,219 |
| Net loans and leases to total assets | 57.1496% | 5,538 |
| Net loans and leases to deposits | 64.2051% | 6,017 |
| Net loans and leases to core deposits | 67.3607% | 6,112 |
| Total domestic deposits to total assets | 89.0109% | 1,434 |
| Equity capital to assets | 10.4356% | 3,490 |
| Core capital (leverage) ratio | 9.9629% | 3,207 |
| Tier 1 risk-based capital ratio | 17.5715% | 2,084 |
| Total risk-based capital ratio | 18.7040% | 2,079 |
| Memoranda: | ||
| Average total assets | $333,330,330 | 1,996 |
| Average earning assets | $319,203,330 | 1,907 |
| Average equity | $33,898,670 | 1,966 |
| Average total loans | $195,031,000 | 2,265 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 6,166 |
| Cost of funding earning assets | 1.2708% | 4,997 |
| Net interest margin | 3.4508% | 5,370 |
| Noninterest income to average assets | 0.4459% | 4,514 |
| Noninterest expense to average assets | 1.8285% | 7,438 |
| Loan and lease loss provision to assets | 0.0725% | 5,910 |
| Net operating income to assets | 1.3118% | 1,272 |
| Return on assets (ROA) | 1.4079% | 1,127 |
| Pretax return on assets | 1.9784% | 633 |
| Return on Equity (ROE) | 14.0317% | 1,047 |
| Retained earnings to average equity (ytd only) | 14.0317% | 505 |
| Net charge-offs to loans | -0.0103% | 6,900 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8380% | 7,387 |
| Assets per employee ($millions) | 4.5801% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 6,123 |
| Loan loss allowance to noncurrent loans | 248.2881% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 6,727 |
| Noncurrent loans to loans | 0.4330% | 6,435 |
| Net loans and leases to total assets | 57.8769% | 5,459 |
| Net loans and leases to deposits | 64.8364% | 5,960 |
| Net loans and leases to core deposits | 67.8033% | 6,121 |
| Total domestic deposits to total assets | 89.2661% | 1,385 |
| Equity capital to assets | 10.1141% | 3,732 |
| Core capital (leverage) ratio | 9.9670% | 3,205 |
| Tier 1 risk-based capital ratio | 16.9098% | 2,294 |
| Total risk-based capital ratio | 18.0132% | 2,310 |
| Memoranda: | ||
| Average total assets | $330,982,000 | 2,059 |
| Average earning assets | $316,331,500 | 1,968 |
| Average equity | $33,210,500 | 2,016 |
| Average total loans | $194,882,500 | 2,330 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0157% | 6,382 |
| Cost of funding earning assets | 1.5383% | 5,345 |
| Net interest margin | 3.4774% | 5,055 |
| Noninterest income to average assets | 0.6627% | 3,204 |
| Noninterest expense to average assets | 1.9916% | 7,379 |
| Loan and lease loss provision to assets | 0.0433% | 7,124 |
| Net operating income to assets | 1.4051% | 845 |
| Return on assets (ROA) | 1.4166% | 875 |
| Pretax return on assets | 1.9734% | 427 |
| Return on Equity (ROE) | 14.0600% | 773 |
| Retained earnings to average equity (ytd only) | 4.8604% | 1,897 |
| Net charge-offs to loans | 0.0875% | 6,247 |
| Credit loss provision to net charge-offs | 84.8485% | 6,166 |
| Earnings coverage of net charge-offs (x) | 39.2424% | 608 |
| Efficiency ratio | 49.8878% | 7,544 |
| Assets per employee ($millions) | 4.4879% | 2,947 |
| Cash dividends to net income (ytd only)* | 65.4308% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 6,126 |
| Loan loss allowance to noncurrent loans | 166.5033% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 6,407 |
| Noncurrent loans to loans | 0.6304% | 5,977 |
| Net loans and leases to total assets | 58.6399% | 5,547 |
| Net loans and leases to deposits | 65.5261% | 6,107 |
| Net loans and leases to core deposits | 73.6088% | 6,557 |
| Total domestic deposits to total assets | 89.4909% | 1,212 |
| Equity capital to assets | 9.9521% | 3,829 |
| Core capital (leverage) ratio | 9.4699% | 3,754 |
| Tier 1 risk-based capital ratio | 16.0547% | 2,500 |
| Total risk-based capital ratio | 17.1064% | 2,516 |
| Memoranda: | ||
| Average total assets | $323,657,000 | 2,096 |
| Average earning assets | $309,886,000 | 2,006 |
| Average equity | $32,610,200 | 2,051 |
| Average total loans | $188,666,000 | 2,423 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 6,473 |
| Cost of funding earning assets | 1.5925% | 5,434 |
| Net interest margin | 3.4485% | 5,077 |
| Noninterest income to average assets | 0.7021% | 3,001 |
| Noninterest expense to average assets | 2.0004% | 7,385 |
| Loan and lease loss provision to assets | 0.0372% | 6,987 |
| Net operating income to assets | 1.4109% | 1,001 |
| Return on assets (ROA) | 1.4293% | 1,029 |
| Pretax return on assets | 1.9946% | 547 |
| Return on Equity (ROE) | 14.1419% | 903 |
| Retained earnings to average equity (ytd only) | 14.1419% | 185 |
| Net charge-offs to loans | 0.0235% | 6,558 |
| Credit loss provision to net charge-offs | 272.7273% | 1,555 |
| Earnings coverage of net charge-offs (x) | 147.1175% | 261 |
| Efficiency ratio | 49.9278% | 7,560 |
| Assets per employee ($millions) | 4.4064% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 5,459 |
| Loan loss allowance to noncurrent loans | 206.0253% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 6,520 |
| Noncurrent loans to loans | 0.5546% | 6,206 |
| Net loans and leases to total assets | 56.2512% | 6,114 |
| Net loans and leases to deposits | 63.3966% | 6,549 |
| Net loans and leases to core deposits | 71.1020% | 6,906 |
| Total domestic deposits to total assets | 88.7291% | 1,325 |
| Equity capital to assets | 10.6885% | 3,301 |
| Core capital (leverage) ratio | 10.1517% | 3,113 |
| Tier 1 risk-based capital ratio | 17.7463% | 2,062 |
| Total risk-based capital ratio | 18.8877% | 2,042 |
| Memoranda: | ||
| Average total assets | $322,666,250 | 2,111 |
| Average earning assets | $309,186,500 | 2,036 |
| Average equity | $32,611,500 | 2,076 |
| Average total loans | $187,294,000 | 2,459 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 6,363 |
| Cost of funding earning assets | 1.6443% | 5,536 |
| Net interest margin | 3.4727% | 4,927 |
| Noninterest income to average assets | 0.8049% | 2,386 |
| Noninterest expense to average assets | 2.0346% | 7,401 |
| Loan and lease loss provision to assets | 0.0373% | 6,862 |
| Net operating income to assets | 1.4632% | 912 |
| Return on assets (ROA) | 1.4636% | 973 |
| Pretax return on assets | 2.0545% | 485 |
| Return on Equity (ROE) | 14.7687% | 869 |
| Retained earnings to average equity (ytd only) | 14.7687% | 215 |
| Net charge-offs to loans | 0.0138% | 6,355 |
| Credit loss provision to net charge-offs | 461.5385% | 1,004 |
| Earnings coverage of net charge-offs (x) | 258.6154% | 155 |
| Efficiency ratio | 49.3140% | 7,703 |
| Assets per employee ($millions) | 4.3033% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 5,310 |
| Loan loss allowance to noncurrent loans | 345.9016% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 6,897 |
| Noncurrent loans to loans | 0.3307% | 6,685 |
| Net loans and leases to total assets | 56.5045% | 6,154 |
| Net loans and leases to deposits | 63.3342% | 6,629 |
| Net loans and leases to core deposits | 70.7342% | 6,985 |
| Total domestic deposits to total assets | 89.2164% | 1,157 |
| Equity capital to assets | 10.2473% | 3,674 |
| Core capital (leverage) ratio | 9.8898% | 3,408 |
| Tier 1 risk-based capital ratio | 17.3993% | 2,176 |
| Total risk-based capital ratio | 18.5489% | 2,151 |
| Memoranda: | ||
| Average total assets | $321,531,330 | 2,142 |
| Average earning assets | $307,485,330 | 2,070 |
| Average equity | $31,864,670 | 2,124 |
| Average total loans | $187,879,000 | 2,480 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2054% | 6,274 |
| Cost of funding earning assets | 1.6707% | 5,738 |
| Net interest margin | 3.5347% | 4,591 |
| Noninterest income to average assets | 0.8563% | 2,050 |
| Noninterest expense to average assets | 1.9743% | 7,411 |
| Loan and lease loss provision to assets | 0.0374% | 6,484 |
| Net operating income to assets | 1.5642% | 836 |
| Return on assets (ROA) | 1.5642% | 914 |
| Pretax return on assets | 2.2198% | 423 |
| Return on Equity (ROE) | 16.0586% | 813 |
| Retained earnings to average equity (ytd only) | 16.0586% | 334 |
| Net charge-offs to loans | 0.0253% | 5,190 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 150.9167% | 297 |
| Efficiency ratio | 46.6568% | 7,813 |
| Assets per employee ($millions) | 4.4156% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 5,367 |
| Loan loss allowance to noncurrent loans | 2,477.3810% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 7,358 |
| Noncurrent loans to loans | 0.0449% | 7,414 |
| Net loans and leases to total assets | 57.3290% | 6,048 |
| Net loans and leases to deposits | 64.5791% | 6,502 |
| Net loans and leases to core deposits | 71.4153% | 6,937 |
| Total domestic deposits to total assets | 88.7734% | 1,348 |
| Equity capital to assets | 9.9975% | 4,008 |
| Core capital (leverage) ratio | 9.8485% | 3,582 |
| Tier 1 risk-based capital ratio | 16.3796% | 2,561 |
| Total risk-based capital ratio | 17.4849% | 2,544 |
| Memoranda: | ||
| Average total assets | $320,923,000 | 2,159 |
| Average earning assets | $306,451,000 | 2,080 |
| Average equity | $31,260,500 | 2,169 |
| Average total loans | $189,580,000 | 2,478 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7069% | 6,752 |
| Cost of funding earning assets | 2.2719% | 5,279 |
| Net interest margin | 3.4349% | 5,527 |
| Noninterest income to average assets | 0.4580% | 4,978 |
| Noninterest expense to average assets | 1.8174% | 7,737 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3407% | 1,372 |
| Return on assets (ROA) | 1.2903% | 1,466 |
| Pretax return on assets | 1.8190% | 906 |
| Return on Equity (ROE) | 13.6615% | 1,170 |
| Retained earnings to average equity (ytd only) | 5.1486% | 1,933 |
| Net charge-offs to loans | 0.0390% | 6,244 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 79.4189% | 523 |
| Efficiency ratio | 49.0198% | 7,731 |
| Assets per employee ($millions) | 4.5001% | 2,618 |
| Cash dividends to net income (ytd only)* | 62.3131% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 5,469 |
| Loan loss allowance to noncurrent loans | 721.3287% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 7,144 |
| Noncurrent loans to loans | 0.1487% | 6,963 |
| Net loans and leases to total assets | 59.5362% | 5,976 |
| Net loans and leases to deposits | 66.1121% | 6,639 |
| Net loans and leases to core deposits | 71.5256% | 7,106 |
| Total domestic deposits to total assets | 90.0534% | 630 |
| Equity capital to assets | 9.4819% | 4,711 |
| Core capital (leverage) ratio | 9.3186% | 4,274 |
| Tier 1 risk-based capital ratio | 15.3571% | 2,894 |
| Total risk-based capital ratio | 16.4281% | 2,888 |
| Memoranda: | ||
| Average total assets | $310,946,600 | 2,147 |
| Average earning assets | $294,154,800 | 2,082 |
| Average equity | $29,367,200 | 2,304 |
| Average total loans | $189,718,600 | 2,396 |