Home > First & Peoples Bank and Trust Company > Performance and Condition Ratios
First & Peoples Bank and Trust Company, 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 | 3.8126% | 4,170 |
| Cost of funding earning assets | 1.0264% | 3,237 |
| Net interest margin | 2.7863% | 3,689 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 3.0498% | 1,040 |
| Loan and lease loss provision to assets | 4.9500% | 9 |
| Net operating income to assets | -3.4722% | 4,584 |
| Return on assets (ROA) | -3.9080% | 4,584 |
| Pretax return on assets | -5.4316% | 4,589 |
| Return on Equity (ROE) | -53.7800% | 4,572 |
| Retained earnings to average equity (ytd only) | -54.2578% | 4,558 |
| Net charge-offs to loans | 7.6260% | 10 |
| Credit loss provision to net charge-offs | 124.9127% | 1,633 |
| Earnings coverage of net charge-offs (x) | 0.0175% | 2,828 |
| Efficiency ratio | 97.7821% | 221 |
| Assets per employee ($millions) | 4.5223% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9668% | 30 |
| Loan loss allowance to noncurrent loans | 24.7882% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 12.4783% | 4 |
| Noncurrent loans to loans | 24.0709% | 1 |
| Net loans and leases to total assets | 48.7500% | 3,679 |
| Net loans and leases to deposits | 54.0526% | 3,793 |
| Net loans and leases to core deposits | 54.8647% | 3,948 |
| Total domestic deposits to total assets | 90.1800% | 714 |
| Equity capital to assets | 7.1274% | 3,892 |
| Core capital (leverage) ratio | 9.9022% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $231,296,200 | 2,783 |
| Average earning assets | $207,625,400 | 2,815 |
| Average equity | $16,806,800 | 3,110 |
| Average total loans | $120,168,000 | 2,952 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8234% | 4,090 |
| Cost of funding earning assets | 0.8643% | 3,360 |
| Net interest margin | 2.9590% | 3,419 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 3.0508% | 991 |
| Loan and lease loss provision to assets | 5.0900% | 7 |
| Net operating income to assets | -4.8582% | 4,617 |
| Return on assets (ROA) | -5.5896% | 4,618 |
| Pretax return on assets | -5.5896% | 4,618 |
| Return on Equity (ROE) | -76.5700% | 4,601 |
| Retained earnings to average equity (ytd only) | -77.1970% | 4,588 |
| Net charge-offs to loans | 9.5433% | 8 |
| Credit loss provision to net charge-offs | 102.6346% | 1,598 |
| Earnings coverage of net charge-offs (x) | 0.0470% | 2,568 |
| Efficiency ratio | 92.8958% | 296 |
| Assets per employee ($millions) | 4.4558% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1589% | 51 |
| Loan loss allowance to noncurrent loans | 25.2170% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 8.9707% | 9 |
| Noncurrent loans to loans | 16.4924% | 2 |
| Net loans and leases to total assets | 52.1300% | 3,486 |
| Net loans and leases to deposits | 59.0596% | 3,554 |
| Net loans and leases to core deposits | 59.9205% | 3,712 |
| Total domestic deposits to total assets | 88.2700% | 1,486 |
| Equity capital to assets | 5.0203% | 4,247 |
| Core capital (leverage) ratio | 10.4335% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $232,592,000 | 2,791 |
| Average earning assets | $209,479,000 | 2,821 |
| Average equity | $16,979,500 | 3,085 |
| Average total loans | $120,906,000 | 2,947 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5615% | 4,291 |
| Cost of funding earning assets | 0.7177% | 3,434 |
| Net interest margin | 2.8438% | 3,745 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.8810% | 1,257 |
| Loan and lease loss provision to assets | 6.6900% | 3 |
| Net operating income to assets | -6.3932% | 4,651 |
| Return on assets (ROA) | -7.0404% | 4,652 |
| Pretax return on assets | -7.0404% | 4,651 |
| Return on Equity (ROE) | -88.0100% | 4,636 |
| Retained earnings to average equity (ytd only) | -88.8565% | 4,618 |
| Net charge-offs to loans | 12.7987% | 6 |
| Credit loss provision to net charge-offs | 101.9787% | 1,429 |
| Earnings coverage of net charge-offs (x) | 0.0450% | 2,402 |
| Efficiency ratio | 90.7137% | 335 |
| Assets per employee ($millions) | 4.6577% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0500% | 60 |
| Loan loss allowance to noncurrent loans | 23.5323% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 9.0602% | 13 |
| Noncurrent loans to loans | 17.2103% | 2 |
| Net loans and leases to total assets | 50.5100% | 3,524 |
| Net loans and leases to deposits | 60.6666% | 3,381 |
| Net loans and leases to core deposits | 61.5522% | 3,555 |
| Total domestic deposits to total assets | 83.2600% | 2,989 |
| Equity capital to assets | 6.3708% | 4,048 |
| Core capital (leverage) ratio | 10.3236% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $237,344,667 | 2,770 |
| Average earning assets | $214,294,000 | 2,796 |
| Average equity | $18,985,667 | 2,952 |
| Average total loans | $121,622,000 | 2,926 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1724% | 3,100 |
| Cost of funding earning assets | 0.4587% | 3,809 |
| Net interest margin | 3.7137% | 1,870 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.7131% | 1,639 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.0465% | 2,398 |
| Return on assets (ROA) | 1.0465% | 2,361 |
| Pretax return on assets | 1.3172% | 2,129 |
| Return on Equity (ROE) | 7.9700% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.0085% | 2,492 |
| Net charge-offs to loans | -0.4858% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.1550% | 2,191 |
| Assets per employee ($millions) | 5.1113% | 3,568 |
| Cash dividends to net income (ytd only)* | 12.0301% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 1,890 |
| Loan loss allowance to noncurrent loans | 146.1538% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 1,057 |
| Noncurrent loans to loans | 0.9111% | 829 |
| Net loans and leases to total assets | 52.8800% | 3,286 |
| Net loans and leases to deposits | 68.8798% | 2,703 |
| Net loans and leases to core deposits | 69.7263% | 2,974 |
| Total domestic deposits to total assets | 76.7700% | 4,102 |
| Equity capital to assets | 13.4321% | 678 |
| Core capital (leverage) ratio | 17.5787% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $254,171,000 | 2,702 |
| Average earning assets | $234,589,500 | 2,708 |
| Average equity | $33,388,000 | 2,147 |
| Average total loans | $135,042,500 | 2,853 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 1,355 |
| Cost of funding earning assets | 0.2186% | 3,609 |
| Net interest margin | 3.9289% | 894 |
| Noninterest income to average assets | 1.0700% | 568 |
| Noninterest expense to average assets | 2.6659% | 1,641 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.5722% | 736 |
| Return on assets (ROA) | 1.5715% | 703 |
| Pretax return on assets | 1.9583% | 523 |
| Return on Equity (ROE) | 11.0700% | 2,447 |
| Retained earnings to average equity (ytd only) | 9.5856% | 1,286 |
| Net charge-offs to loans | 0.0828% | 833 |
| Credit loss provision to net charge-offs | 218.0952% | 1,065 |
| Earnings coverage of net charge-offs (x) | 48.6381% | 1,383 |
| Efficiency ratio | 56.5177% | 3,525 |
| Assets per employee ($millions) | 5.0555% | 3,632 |
| Cash dividends to net income (ytd only)* | 13.4424% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,327 |
| Loan loss allowance to noncurrent loans | 106.2500% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 831 |
| Noncurrent loans to loans | 1.1419% | 624 |
| Net loans and leases to total assets | 52.0200% | 3,357 |
| Net loans and leases to deposits | 65.1876% | 2,943 |
| Net loans and leases to core deposits | 66.2664% | 3,120 |
| Total domestic deposits to total assets | 79.8000% | 3,905 |
| Equity capital to assets | 12.8367% | 731 |
| Core capital (leverage) ratio | 17.3417% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $248,992,600 | 2,737 |
| Average earning assets | $231,029,400 | 2,726 |
| Average equity | $35,334,200 | 2,096 |
| Average total loans | $126,757,400 | 2,861 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7846% | 293 |
| Cost of funding earning assets | 0.1498% | 3,846 |
| Net interest margin | 4.6349% | 185 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.7483% | 1,352 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.6833% | 549 |
| Return on assets (ROA) | 1.6824% | 535 |
| Pretax return on assets | 2.0393% | 430 |
| Return on Equity (ROE) | 11.5700% | 2,183 |
| Retained earnings to average equity (ytd only) | 10.6832% | 1,137 |
| Net charge-offs to loans | 0.1758% | 381 |
| Credit loss provision to net charge-offs | 110.9091% | 1,267 |
| Earnings coverage of net charge-offs (x) | 24.1152% | 1,636 |
| Efficiency ratio | 56.2363% | 3,606 |
| Assets per employee ($millions) | 4.8268% | 3,822 |
| Cash dividends to net income (ytd only)* | 7.6997% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 2,800 |
| Loan loss allowance to noncurrent loans | 62.5104% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.0003% | 445 |
| Noncurrent loans to loans | 1.8373% | 340 |
| Net loans and leases to total assets | 53.8200% | 3,123 |
| Net loans and leases to deposits | 66.0423% | 2,717 |
| Net loans and leases to core deposits | 67.2817% | 2,857 |
| Total domestic deposits to total assets | 81.4900% | 3,905 |
| Equity capital to assets | 12.9980% | 677 |
| Core capital (leverage) ratio | 17.8875% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $248,046,750 | 2,762 |
| Average earning assets | $230,593,750 | 2,755 |
| Average equity | $36,055,750 | 2,104 |
| Average total loans | $125,168,750 | 2,878 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 446 |
| Cost of funding earning assets | 0.1165% | 4,003 |
| Net interest margin | 4.2724% | 291 |
| Noninterest income to average assets | 0.5825% | 1,811 |
| Noninterest expense to average assets | 2.7769% | 1,210 |
| Loan and lease loss provision to assets | 0.1095% | 911 |
| Net operating income to assets | 1.3737% | 971 |
| Return on assets (ROA) | 1.3704% | 958 |
| Pretax return on assets | 1.6773% | 795 |
| Return on Equity (ROE) | 9.1180% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.2620% | 1,525 |
| Net charge-offs to loans | 0.3071% | 227 |
| Credit loss provision to net charge-offs | 72.4868% | 1,423 |
| Earnings coverage of net charge-offs (x) | 11.8571% | 1,722 |
| Efficiency ratio | 60.7943% | 3,205 |
| Assets per employee ($millions) | 5.1060% | 3,585 |
| Cash dividends to net income (ytd only)* | 9.3878% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 3,191 |
| Loan loss allowance to noncurrent loans | 64.0125% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 558 |
| Noncurrent loans to loans | 1.7079% | 406 |
| Net loans and leases to total assets | 52.0340% | 3,152 |
| Net loans and leases to deposits | 65.5457% | 2,588 |
| Net loans and leases to core deposits | 66.9579% | 2,745 |
| Total domestic deposits to total assets | 79.3858% | 4,277 |
| Equity capital to assets | 13.2606% | 620 |
| Core capital (leverage) ratio | 17.3049% | 308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,283,000 | 2,776 |
| Average earning assets | $233,450,333 | 2,765 |
| Average equity | $37,618,000 | 2,092 |
| Average total loans | $123,094,667 | 2,914 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 501 |
| Cost of funding earning assets | 0.1041% | 4,079 |
| Net interest margin | 4.1120% | 328 |
| Noninterest income to average assets | 0.6024% | 1,685 |
| Noninterest expense to average assets | 2.8235% | 1,113 |
| Loan and lease loss provision to assets | 0.1454% | 549 |
| Net operating income to assets | 1.2146% | 1,213 |
| Return on assets (ROA) | 1.2080% | 1,217 |
| Pretax return on assets | 1.4749% | 1,066 |
| Return on Equity (ROE) | 7.5906% | 2,843 |
| Retained earnings to average equity (ytd only) | 6.7874% | 1,964 |
| Net charge-offs to loans | -0.0909% | 4,430 |
| Credit loss provision to net charge-offs | -337.0370% | 3,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4243% | 3,090 |
| Assets per employee ($millions) | 4.8371% | 3,893 |
| Cash dividends to net income (ytd only)* | 10.5820% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 2,347 |
| Loan loss allowance to noncurrent loans | 64.3343% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.9943% | 511 |
| Noncurrent loans to loans | 2.0260% | 358 |
| Net loans and leases to total assets | 48.4392% | 3,338 |
| Net loans and leases to deposits | 60.4882% | 2,861 |
| Net loans and leases to core deposits | 61.7754% | 2,991 |
| Total domestic deposits to total assets | 80.0803% | 4,286 |
| Equity capital to assets | 14.7756% | 421 |
| Core capital (leverage) ratio | 17.7134% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,328,500 | 2,788 |
| Average earning assets | $234,337,500 | 2,772 |
| Average equity | $39,838,500 | 2,061 |
| Average total loans | $118,830,000 | 2,951 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0522% | 1,242 |
| Cost of funding earning assets | 0.1175% | 4,247 |
| Net interest margin | 3.9347% | 808 |
| Noninterest income to average assets | 0.7426% | 1,618 |
| Noninterest expense to average assets | 2.7588% | 1,458 |
| Loan and lease loss provision to assets | 0.2295% | 433 |
| Net operating income to assets | 1.1046% | 2,281 |
| Return on assets (ROA) | 1.1029% | 2,343 |
| Pretax return on assets | 1.4331% | 1,933 |
| Return on Equity (ROE) | 6.3274% | 3,697 |
| Retained earnings to average equity (ytd only) | 5.4754% | 2,574 |
| Net charge-offs to loans | 0.2172% | 426 |
| Credit loss provision to net charge-offs | 222.3577% | 1,243 |
| Earnings coverage of net charge-offs (x) | 16.1301% | 1,987 |
| Efficiency ratio | 62.3672% | 2,804 |
| Assets per employee ($millions) | 4.8848% | 3,828 |
| Cash dividends to net income (ytd only)* | 13.4652% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 2,335 |
| Loan loss allowance to noncurrent loans | 64.0464% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.9537% | 601 |
| Noncurrent loans to loans | 2.0383% | 386 |
| Net loans and leases to total assets | 45.2464% | 3,746 |
| Net loans and leases to deposits | 54.9213% | 3,524 |
| Net loans and leases to core deposits | 55.9693% | 3,619 |
| Total domestic deposits to total assets | 82.3841% | 3,906 |
| Equity capital to assets | 17.0644% | 296 |
| Core capital (leverage) ratio | 17.5236% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,362,000 | 2,805 |
| Average earning assets | $222,987,800 | 2,787 |
| Average equity | $41,549,200 | 2,026 |
| Average total loans | $113,275,400 | 3,021 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 1,347 |
| Cost of funding earning assets | 0.1192% | 4,359 |
| Net interest margin | 3.9623% | 845 |
| Noninterest income to average assets | 0.6370% | 2,064 |
| Noninterest expense to average assets | 2.7693% | 1,412 |
| Loan and lease loss provision to assets | 0.2321% | 416 |
| Net operating income to assets | 1.0308% | 2,802 |
| Return on assets (ROA) | 1.0285% | 2,871 |
| Pretax return on assets | 1.3363% | 2,528 |
| Return on Equity (ROE) | 5.8679% | 3,944 |
| Retained earnings to average equity (ytd only) | 5.2450% | 3,124 |
| Net charge-offs to loans | 0.3008% | 261 |
| Credit loss provision to net charge-offs | 160.7843% | 1,317 |
| Earnings coverage of net charge-offs (x) | 10.8902% | 2,020 |
| Efficiency ratio | 63.8034% | 2,417 |
| Assets per employee ($millions) | 4.6284% | 4,030 |
| Cash dividends to net income (ytd only)* | 10.6161% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,988 |
| Loan loss allowance to noncurrent loans | 83.9052% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 1,119 |
| Noncurrent loans to loans | 1.4295% | 745 |
| Net loans and leases to total assets | 46.0351% | 3,794 |
| Net loans and leases to deposits | 56.2368% | 3,561 |
| Net loans and leases to core deposits | 57.7048% | 3,652 |
| Total domestic deposits to total assets | 81.8594% | 3,951 |
| Equity capital to assets | 17.4567% | 302 |
| Core capital (leverage) ratio | 17.7443% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,670,750 | 2,845 |
| Average earning assets | $220,273,250 | 2,835 |
| Average equity | $41,308,500 | 2,064 |
| Average total loans | $113,041,250 | 3,066 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 1,193 |
| Cost of funding earning assets | 0.1227% | 4,419 |
| Net interest margin | 4.0744% | 731 |
| Noninterest income to average assets | 0.6461% | 2,014 |
| Noninterest expense to average assets | 2.8136% | 1,320 |
| Loan and lease loss provision to assets | 0.2325% | 439 |
| Net operating income to assets | 1.0341% | 2,777 |
| Return on assets (ROA) | 1.0308% | 2,863 |
| Pretax return on assets | 1.3991% | 2,346 |
| Return on Equity (ROE) | 5.8724% | 3,934 |
| Retained earnings to average equity (ytd only) | 5.2443% | 3,101 |
| Net charge-offs to loans | 0.2841% | 310 |
| Credit loss provision to net charge-offs | 168.9441% | 1,119 |
| Earnings coverage of net charge-offs (x) | 11.8882% | 1,742 |
| Efficiency ratio | 63.2347% | 2,535 |
| Assets per employee ($millions) | 4.3982% | 4,188 |
| Cash dividends to net income (ytd only)* | 10.6965% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 3,120 |
| Loan loss allowance to noncurrent loans | 90.4729% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 1,349 |
| Noncurrent loans to loans | 1.2864% | 916 |
| Net loans and leases to total assets | 46.5201% | 3,867 |
| Net loans and leases to deposits | 57.0641% | 3,630 |
| Net loans and leases to core deposits | 58.4931% | 3,729 |
| Total domestic deposits to total assets | 81.5224% | 4,004 |
| Equity capital to assets | 17.5315% | 294 |
| Core capital (leverage) ratio | 17.5124% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,002,667 | 2,854 |
| Average earning assets | $218,435,000 | 2,840 |
| Average equity | $41,073,333 | 2,058 |
| Average total loans | $113,341,667 | 3,076 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 1,439 |
| Cost of funding earning assets | 0.1256% | 4,493 |
| Net interest margin | 3.9532% | 906 |
| Noninterest income to average assets | 0.6510% | 2,024 |
| Noninterest expense to average assets | 2.8882% | 1,180 |
| Loan and lease loss provision to assets | 0.2325% | 481 |
| Net operating income to assets | 0.7177% | 3,670 |
| Return on assets (ROA) | 0.7096% | 3,747 |
| Pretax return on assets | 1.2073% | 2,831 |
| Return on Equity (ROE) | 4.0401% | 4,276 |
| Retained earnings to average equity (ytd only) | 3.4125% | 3,657 |
| Net charge-offs to loans | 0.3996% | 208 |
| Credit loss provision to net charge-offs | 118.4211% | 1,050 |
| Earnings coverage of net charge-offs (x) | 7.3860% | 1,617 |
| Efficiency ratio | 66.5740% | 2,150 |
| Assets per employee ($millions) | 4.6511% | 3,983 |
| Cash dividends to net income (ytd only)* | 15.5340% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,592 |
| Loan loss allowance to noncurrent loans | 68.7677% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7550% | 1,209 |
| Noncurrent loans to loans | 1.5496% | 798 |
| Net loans and leases to total assets | 47.3991% | 3,868 |
| Net loans and leases to deposits | 57.6124% | 3,666 |
| Net loans and leases to core deposits | 59.0415% | 3,766 |
| Total domestic deposits to total assets | 82.2724% | 3,840 |
| Equity capital to assets | 17.0745% | 303 |
| Core capital (leverage) ratio | 18.1737% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,252,000 | 2,847 |
| Average earning assets | $216,634,500 | 2,844 |
| Average equity | $40,791,000 | 2,055 |
| Average total loans | $114,118,500 | 3,076 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8508% | 3,160 |
| Cost of funding earning assets | 0.2442% | 4,405 |
| Net interest margin | 3.6066% | 2,121 |
| Noninterest income to average assets | 0.7135% | 1,819 |
| Noninterest expense to average assets | 3.1718% | 1,107 |
| Loan and lease loss provision to assets | 0.2380% | 1,633 |
| Net operating income to assets | 0.6092% | 3,721 |
| Return on assets (ROA) | 0.6097% | 3,839 |
| Pretax return on assets | 0.6536% | 3,975 |
| Return on Equity (ROE) | 3.2843% | 4,305 |
| Retained earnings to average equity (ytd only) | 2.3121% | 3,698 |
| Net charge-offs to loans | 0.1890% | 900 |
| Credit loss provision to net charge-offs | 253.2338% | 1,923 |
| Earnings coverage of net charge-offs (x) | 9.4826% | 2,517 |
| Efficiency ratio | 78.0667% | 1,026 |
| Assets per employee ($millions) | 4.3711% | 4,041 |
| Cash dividends to net income (ytd only)* | 29.6012% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 3,726 |
| Loan loss allowance to noncurrent loans | 82.8691% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.6375% | 1,649 |
| Noncurrent loans to loans | 1.2531% | 1,095 |
| Net loans and leases to total assets | 49.8916% | 3,835 |
| Net loans and leases to deposits | 62.2247% | 3,591 |
| Net loans and leases to core deposits | 64.0230% | 3,690 |
| Total domestic deposits to total assets | 80.1797% | 4,018 |
| Equity capital to assets | 18.0733% | 270 |
| Core capital (leverage) ratio | 18.5030% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,881,600 | 2,835 |
| Average earning assets | $198,634,200 | 2,838 |
| Average equity | $39,704,600 | 2,030 |
| Average total loans | $106,338,000 | 3,148 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 3,360 |
| Cost of funding earning assets | 0.2715% | 4,427 |
| Net interest margin | 3.5980% | 2,279 |
| Noninterest income to average assets | 0.7226% | 1,730 |
| Noninterest expense to average assets | 3.3065% | 902 |
| Loan and lease loss provision to assets | 0.2356% | 1,726 |
| Net operating income to assets | 0.4257% | 4,212 |
| Return on assets (ROA) | 0.4262% | 4,279 |
| Pretax return on assets | 0.5212% | 4,242 |
| Return on Equity (ROE) | 2.2797% | 4,513 |
| Retained earnings to average equity (ytd only) | 1.4092% | 4,112 |
| Net charge-offs to loans | 0.2212% | 691 |
| Credit loss provision to net charge-offs | 215.0289% | 2,052 |
| Earnings coverage of net charge-offs (x) | 6.9017% | 2,615 |
| Efficiency ratio | 81.3874% | 763 |
| Assets per employee ($millions) | 3.9788% | 4,331 |
| Cash dividends to net income (ytd only)* | 38.1872% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,634 |
| Loan loss allowance to noncurrent loans | 80.0741% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 1,706 |
| Noncurrent loans to loans | 1.2685% | 1,177 |
| Net loans and leases to total assets | 49.0321% | 4,152 |
| Net loans and leases to deposits | 61.9349% | 3,938 |
| Net loans and leases to core deposits | 63.8649% | 4,014 |
| Total domestic deposits to total assets | 79.1672% | 4,032 |
| Equity capital to assets | 18.8841% | 243 |
| Core capital (leverage) ratio | 18.9500% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,527,750 | 2,844 |
| Average earning assets | $195,439,250 | 2,852 |
| Average equity | $39,360,750 | 2,036 |
| Average total loans | $104,274,500 | 3,182 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8769% | 3,685 |
| Cost of funding earning assets | 0.2881% | 4,517 |
| Net interest margin | 3.5889% | 2,520 |
| Noninterest income to average assets | 0.7710% | 1,518 |
| Noninterest expense to average assets | 3.4177% | 831 |
| Loan and lease loss provision to assets | 0.2238% | 1,868 |
| Net operating income to assets | 0.3740% | 4,283 |
| Return on assets (ROA) | 0.3740% | 4,343 |
| Pretax return on assets | 0.4544% | 4,328 |
| Return on Equity (ROE) | 2.0074% | 4,531 |
| Retained earnings to average equity (ytd only) | 1.0165% | 4,095 |
| Net charge-offs to loans | 0.3245% | 498 |
| Credit loss provision to net charge-offs | 139.2857% | 2,180 |
| Earnings coverage of net charge-offs (x) | 4.2202% | 2,614 |
| Efficiency ratio | 83.4423% | 672 |
| Assets per employee ($millions) | 4.0865% | 4,215 |
| Cash dividends to net income (ytd only)* | 49.3606% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 3,834 |
| Loan loss allowance to noncurrent loans | 64.9760% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 0.7300% | 1,685 |
| Noncurrent loans to loans | 1.4471% | 1,058 |
| Net loans and leases to total assets | 46.1121% | 4,361 |
| Net loans and leases to deposits | 57.1995% | 4,258 |
| Net loans and leases to core deposits | 58.9215% | 4,310 |
| Total domestic deposits to total assets | 80.6164% | 3,699 |
| Equity capital to assets | 18.4814% | 266 |
| Core capital (leverage) ratio | 18.9949% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,086,000 | 2,831 |
| Average earning assets | $193,711,000 | 2,845 |
| Average equity | $38,956,667 | 2,040 |
| Average total loans | $103,556,667 | 3,183 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0416% | 3,670 |
| Cost of funding earning assets | 0.2998% | 4,662 |
| Net interest margin | 3.7417% | 2,175 |
| Noninterest income to average assets | 0.7422% | 1,487 |
| Noninterest expense to average assets | 3.6292% | 785 |
| Loan and lease loss provision to assets | 0.1890% | 1,582 |
| Net operating income to assets | 0.3078% | 4,327 |
| Return on assets (ROA) | 0.3078% | 4,351 |
| Pretax return on assets | 0.3760% | 4,335 |
| Return on Equity (ROE) | 1.6449% | 4,522 |
| Retained earnings to average equity (ytd only) | 0.3019% | 3,921 |
| Net charge-offs to loans | 0.2249% | 629 |
| Credit loss provision to net charge-offs | 164.4068% | 1,539 |
| Earnings coverage of net charge-offs (x) | 4.9153% | 2,101 |
| Efficiency ratio | 86.5304% | 663 |
| Assets per employee ($millions) | 3.7916% | 4,177 |
| Cash dividends to net income (ytd only)* | 81.6456% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 4,096 |
| Loan loss allowance to noncurrent loans | 83.7125% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 2,122 |
| Noncurrent loans to loans | 1.0778% | 1,542 |
| Net loans and leases to total assets | 49.3509% | 4,269 |
| Net loans and leases to deposits | 61.5083% | 4,129 |
| Net loans and leases to core deposits | 63.4750% | 4,200 |
| Total domestic deposits to total assets | 80.2345% | 3,818 |
| Equity capital to assets | 19.0338% | 284 |
| Core capital (leverage) ratio | 19.6921% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,336,500 | 2,831 |
| Average earning assets | $189,432,000 | 2,833 |
| Average equity | $38,421,000 | 2,045 |
| Average total loans | $104,925,000 | 3,155 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2731% | 3,612 |
| Cost of funding earning assets | 0.2533% | 4,841 |
| Net interest margin | 4.0198% | 1,789 |
| Noninterest income to average assets | 0.7759% | 1,526 |
| Noninterest expense to average assets | 3.5807% | 868 |
| Loan and lease loss provision to assets | 0.1945% | 1,051 |
| Net operating income to assets | 0.6474% | 4,018 |
| Return on assets (ROA) | 0.6461% | 4,095 |
| Pretax return on assets | 0.7538% | 4,071 |
| Return on Equity (ROE) | 3.5399% | 4,567 |
| Retained earnings to average equity (ytd only) | 2.6556% | 3,709 |
| Net charge-offs to loans | 0.2810% | 745 |
| Credit loss provision to net charge-offs | 132.4232% | 1,923 |
| Earnings coverage of net charge-offs (x) | 6.4676% | 2,976 |
| Efficiency ratio | 79.0353% | 1,032 |
| Assets per employee ($millions) | 3.7441% | 4,219 |
| Cash dividends to net income (ytd only)* | 24.9806% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 4,247 |
| Loan loss allowance to noncurrent loans | 70.8434% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.6954% | 1,863 |
| Noncurrent loans to loans | 1.1540% | 1,310 |
| Net loans and leases to total assets | 51.9621% | 4,227 |
| Net loans and leases to deposits | 66.1008% | 3,949 |
| Net loans and leases to core deposits | 68.0246% | 4,081 |
| Total domestic deposits to total assets | 78.6104% | 4,253 |
| Equity capital to assets | 18.3905% | 337 |
| Core capital (leverage) ratio | 19.4675% | 260 |
| Tier 1 risk-based capital ratio | 34.0671% | 353 |
| Total risk-based capital ratio | 34.8167% | 363 |
| Memoranda: | ||
| Average total assets | $199,514,200 | 2,845 |
| Average earning assets | $186,353,800 | 2,828 |
| Average equity | $36,413,600 | 2,077 |
| Average total loans | $104,256,200 | 3,169 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 3,705 |
| Cost of funding earning assets | 0.2370% | 4,958 |
| Net interest margin | 4.0476% | 1,777 |
| Noninterest income to average assets | 0.7889% | 1,450 |
| Noninterest expense to average assets | 3.4978% | 955 |
| Loan and lease loss provision to assets | 0.1320% | 1,457 |
| Net operating income to assets | 0.7673% | 3,782 |
| Return on assets (ROA) | 0.7646% | 3,862 |
| Pretax return on assets | 0.9519% | 3,730 |
| Return on Equity (ROE) | 4.1979% | 4,554 |
| Retained earnings to average equity (ytd only) | 3.4840% | 3,665 |
| Net charge-offs to loans | 0.3161% | 548 |
| Credit loss provision to net charge-offs | 80.0000% | 2,505 |
| Earnings coverage of net charge-offs (x) | 6.5877% | 2,825 |
| Efficiency ratio | 76.2856% | 1,296 |
| Assets per employee ($millions) | 3.5442% | 4,454 |
| Cash dividends to net income (ytd only)* | 17.0046% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7031% | 4,644 |
| Loan loss allowance to noncurrent loans | 62.1735% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.6590% | 2,040 |
| Noncurrent loans to loans | 1.1308% | 1,404 |
| Net loans and leases to total assets | 52.5152% | 4,285 |
| Net loans and leases to deposits | 66.4143% | 4,036 |
| Net loans and leases to core deposits | 68.2983% | 4,152 |
| Total domestic deposits to total assets | 79.0720% | 4,175 |
| Equity capital to assets | 18.8058% | 326 |
| Core capital (leverage) ratio | 19.8429% | 254 |
| Tier 1 risk-based capital ratio | 35.0829% | 342 |
| Total risk-based capital ratio | 35.7292% | 349 |
| Memoranda: | ||
| Average total assets | $197,911,000 | 2,882 |
| Average earning assets | $185,618,000 | 2,862 |
| Average equity | $36,049,250 | 2,102 |
| Average total loans | $103,348,750 | 3,218 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2740% | 3,716 |
| Cost of funding earning assets | 0.2200% | 5,031 |
| Net interest margin | 4.0541% | 1,745 |
| Noninterest income to average assets | 0.8133% | 1,305 |
| Noninterest expense to average assets | 3.5100% | 946 |
| Loan and lease loss provision to assets | 0.1517% | 1,206 |
| Net operating income to assets | 0.7647% | 3,773 |
| Return on assets (ROA) | 0.7647% | 3,840 |
| Pretax return on assets | 0.9549% | 3,696 |
| Return on Equity (ROE) | 4.2443% | 4,532 |
| Retained earnings to average equity (ytd only) | 3.5201% | 3,485 |
| Net charge-offs to loans | 0.2179% | 767 |
| Credit loss provision to net charge-offs | 133.9286% | 1,626 |
| Earnings coverage of net charge-offs (x) | 9.7679% | 2,319 |
| Efficiency ratio | 76.0298% | 1,393 |
| Assets per employee ($millions) | 3.6235% | 4,352 |
| Cash dividends to net income (ytd only)* | 17.0635% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7902% | 4,472 |
| Loan loss allowance to noncurrent loans | 67.7896% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 2,042 |
| Noncurrent loans to loans | 1.1657% | 1,386 |
| Net loans and leases to total assets | 51.9727% | 4,354 |
| Net loans and leases to deposits | 64.0828% | 4,221 |
| Net loans and leases to core deposits | 65.5293% | 4,336 |
| Total domestic deposits to total assets | 81.1025% | 3,774 |
| Equity capital to assets | 18.3812% | 344 |
| Core capital (leverage) ratio | 19.5402% | 254 |
| Tier 1 risk-based capital ratio | 35.4379% | 325 |
| Total risk-based capital ratio | 36.1736% | 337 |
| Memoranda: | ||
| Average total assets | $197,722,670 | 2,890 |
| Average earning assets | $185,492,670 | 2,869 |
| Average equity | $35,624,000 | 2,112 |
| Average total loans | $102,809,000 | 3,243 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 3,980 |
| Cost of funding earning assets | 0.2040% | 5,111 |
| Net interest margin | 3.9533% | 2,008 |
| Noninterest income to average assets | 0.7292% | 1,510 |
| Noninterest expense to average assets | 3.5808% | 866 |
| Loan and lease loss provision to assets | 0.0894% | 1,923 |
| Net operating income to assets | 0.6093% | 4,207 |
| Return on assets (ROA) | 0.6093% | 4,248 |
| Pretax return on assets | 0.7596% | 4,151 |
| Return on Equity (ROE) | 3.4169% | 4,697 |
| Retained earnings to average equity (ytd only) | 2.6879% | 3,858 |
| Net charge-offs to loans | 0.4627% | 334 |
| Credit loss provision to net charge-offs | 37.2881% | 2,046 |
| Earnings coverage of net charge-offs (x) | 3.5424% | 2,392 |
| Efficiency ratio | 80.8345% | 978 |
| Assets per employee ($millions) | 3.3851% | 4,668 |
| Cash dividends to net income (ytd only)* | 21.3333% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6871% | 4,796 |
| Loan loss allowance to noncurrent loans | 65.8356% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 2,229 |
| Noncurrent loans to loans | 1.0437% | 1,599 |
| Net loans and leases to total assets | 51.5982% | 4,365 |
| Net loans and leases to deposits | 63.0831% | 4,238 |
| Net loans and leases to core deposits | 64.4881% | 4,356 |
| Total domestic deposits to total assets | 81.7940% | 3,781 |
| Equity capital to assets | 17.8460% | 360 |
| Core capital (leverage) ratio | 19.6144% | 252 |
| Tier 1 risk-based capital ratio | 35.0369% | 323 |
| Total risk-based capital ratio | 35.6717% | 334 |
| Memoranda: | ||
| Average total assets | $196,938,500 | 2,930 |
| Average earning assets | $184,351,000 | 2,910 |
| Average equity | $35,120,000 | 2,135 |
| Average total loans | $102,012,500 | 3,293 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 4,169 |
| Cost of funding earning assets | 0.1739% | 5,097 |
| Net interest margin | 3.7759% | 2,756 |
| Noninterest income to average assets | 0.7225% | 1,761 |
| Noninterest expense to average assets | 3.2452% | 1,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7995% | 3,809 |
| Return on assets (ROA) | 0.7991% | 3,812 |
| Pretax return on assets | 0.9925% | 3,629 |
| Return on Equity (ROE) | 4.5813% | 4,566 |
| Retained earnings to average equity (ytd only) | 3.6441% | 3,577 |
| Net charge-offs to loans | 0.0902% | 1,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 22.4828% | 1,900 |
| Efficiency ratio | 76.5692% | 1,286 |
| Assets per employee ($millions) | 3.4671% | 4,580 |
| Cash dividends to net income (ytd only)* | 20.4574% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7850% | 4,586 |
| Loan loss allowance to noncurrent loans | 62.8093% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 0.7257% | 1,906 |
| Noncurrent loans to loans | 1.2498% | 1,273 |
| Net loans and leases to total assets | 51.2333% | 4,443 |
| Net loans and leases to deposits | 62.7016% | 4,329 |
| Net loans and leases to core deposits | 64.1372% | 4,445 |
| Total domestic deposits to total assets | 81.7096% | 3,719 |
| Equity capital to assets | 17.8196% | 359 |
| Core capital (leverage) ratio | 19.3607% | 253 |
| Tier 1 risk-based capital ratio | 35.7234% | 304 |
| Total risk-based capital ratio | 36.4421% | 309 |
| Memoranda: | ||
| Average total assets | $196,968,400 | 2,901 |
| Average earning assets | $183,399,800 | 2,884 |
| Average equity | $34,357,200 | 2,098 |
| Average total loans | $96,405,000 | 3,364 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9112% | 4,185 |
| Cost of funding earning assets | 0.1644% | 5,171 |
| Net interest margin | 3.7468% | 2,836 |
| Noninterest income to average assets | 0.7271% | 1,762 |
| Noninterest expense to average assets | 3.3213% | 1,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7601% | 4,044 |
| Return on assets (ROA) | 0.7595% | 4,054 |
| Pretax return on assets | 0.8944% | 4,038 |
| Return on Equity (ROE) | 4.3774% | 4,725 |
| Retained earnings to average equity (ytd only) | 3.6271% | 3,952 |
| Net charge-offs to loans | 0.0894% | 1,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 20.7347% | 1,947 |
| Efficiency ratio | 78.7714% | 1,047 |
| Assets per employee ($millions) | 3.4524% | 4,618 |
| Cash dividends to net income (ytd only)* | 17.1405% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 4,510 |
| Loan loss allowance to noncurrent loans | 78.1099% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 2,587 |
| Noncurrent loans to loans | 1.0683% | 1,596 |
| Net loans and leases to total assets | 49.7885% | 4,610 |
| Net loans and leases to deposits | 62.8532% | 4,401 |
| Net loans and leases to core deposits | 64.3473% | 4,496 |
| Total domestic deposits to total assets | 79.2139% | 4,277 |
| Equity capital to assets | 17.6258% | 368 |
| Core capital (leverage) ratio | 19.2794% | 264 |
| Tier 1 risk-based capital ratio | 37.1815% | 272 |
| Total risk-based capital ratio | 37.9577% | 276 |
| Memoranda: | ||
| Average total assets | $197,671,250 | 2,914 |
| Average earning assets | $184,080,250 | 2,903 |
| Average equity | $34,297,000 | 2,105 |
| Average total loans | $95,441,250 | 3,414 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8301% | 4,271 |
| Cost of funding earning assets | 0.1456% | 5,262 |
| Net interest margin | 3.6845% | 2,993 |
| Noninterest income to average assets | 0.7162% | 1,811 |
| Noninterest expense to average assets | 3.2925% | 1,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7281% | 4,112 |
| Return on assets (ROA) | 0.7272% | 4,114 |
| Pretax return on assets | 0.8548% | 4,096 |
| Return on Equity (ROE) | 4.2129% | 4,764 |
| Retained earnings to average equity (ytd only) | 3.4623% | 3,851 |
| Net charge-offs to loans | 0.0211% | 2,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 85.2000% | 791 |
| Efficiency ratio | 79.3705% | 1,080 |
| Assets per employee ($millions) | 3.4782% | 4,622 |
| Cash dividends to net income (ytd only)* | 17.8177% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8729% | 4,453 |
| Loan loss allowance to noncurrent loans | 87.0091% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 2,753 |
| Noncurrent loans to loans | 1.0033% | 1,744 |
| Net loans and leases to total assets | 49.4868% | 4,635 |
| Net loans and leases to deposits | 61.8240% | 4,430 |
| Net loans and leases to core deposits | 62.9163% | 4,563 |
| Total domestic deposits to total assets | 80.0446% | 4,230 |
| Equity capital to assets | 17.2231% | 383 |
| Core capital (leverage) ratio | 18.9556% | 268 |
| Tier 1 risk-based capital ratio | 37.0761% | 275 |
| Total risk-based capital ratio | 37.9090% | 279 |
| Memoranda: | ||
| Average total assets | $199,116,330 | 2,906 |
| Average earning assets | $185,478,670 | 2,912 |
| Average equity | $34,370,330 | 2,113 |
| Average total loans | $94,898,670 | 3,430 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7680% | 4,304 |
| Cost of funding earning assets | 0.1358% | 5,336 |
| Net interest margin | 3.6322% | 3,061 |
| Noninterest income to average assets | 0.6996% | 1,833 |
| Noninterest expense to average assets | 3.3496% | 1,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6254% | 4,354 |
| Return on assets (ROA) | 0.6254% | 4,365 |
| Pretax return on assets | 0.7277% | 4,368 |
| Return on Equity (ROE) | 3.6192% | 4,865 |
| Retained earnings to average equity (ytd only) | 2.8768% | 4,047 |
| Net charge-offs to loans | 0.0646% | 1,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,366 |
| Efficiency ratio | 82.1534% | 930 |
| Assets per employee ($millions) | 3.3829% | 4,809 |
| Cash dividends to net income (ytd only)* | 20.5128% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 4,276 |
| Loan loss allowance to noncurrent loans | 93.0661% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 2,972 |
| Noncurrent loans to loans | 1.0060% | 1,813 |
| Net loans and leases to total assets | 46.3218% | 4,779 |
| Net loans and leases to deposits | 56.3001% | 4,678 |
| Net loans and leases to core deposits | 57.2765% | 4,781 |
| Total domestic deposits to total assets | 82.2766% | 3,878 |
| Equity capital to assets | 17.3916% | 367 |
| Core capital (leverage) ratio | 18.8089% | 262 |
| Tier 1 risk-based capital ratio | 39.0960% | 241 |
| Total risk-based capital ratio | 39.9772% | 241 |
| Memoranda: | ||
| Average total assets | $199,546,000 | 2,934 |
| Average earning assets | $185,561,000 | 2,936 |
| Average equity | $34,482,500 | 2,124 |
| Average total loans | $92,860,500 | 3,488 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6280% | 4,515 |
| Cost of funding earning assets | 0.1442% | 5,295 |
| Net interest margin | 3.4838% | 3,578 |
| Noninterest income to average assets | 0.6260% | 2,329 |
| Noninterest expense to average assets | 3.3383% | 1,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3470% | 4,834 |
| Return on assets (ROA) | 0.3567% | 4,834 |
| Pretax return on assets | 0.5567% | 4,836 |
| Return on Equity (ROE) | 2.0901% | 5,044 |
| Retained earnings to average equity (ytd only) | 0.2562% | 4,923 |
| Net charge-offs to loans | 0.0866% | 2,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 14.3117% | 2,336 |
| Efficiency ratio | 86.0436% | 643 |
| Assets per employee ($millions) | 3.3814% | 4,846 |
| Cash dividends to net income (ytd only)* | 87.7410% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 4,317 |
| Loan loss allowance to noncurrent loans | 88.1048% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 2,929 |
| Noncurrent loans to loans | 1.0556% | 1,680 |
| Net loans and leases to total assets | 45.8887% | 4,897 |
| Net loans and leases to deposits | 56.9729% | 4,747 |
| Net loans and leases to core deposits | 58.9084% | 4,807 |
| Total domestic deposits to total assets | 80.5448% | 4,234 |
| Equity capital to assets | 17.1730% | 383 |
| Core capital (leverage) ratio | 18.4116% | 270 |
| Tier 1 risk-based capital ratio | 38.5680% | 245 |
| Total risk-based capital ratio | 39.4583% | 245 |
| Memoranda: | ||
| Average total assets | $203,519,600 | 2,895 |
| Average earning assets | $190,077,800 | 2,864 |
| Average equity | $34,735,800 | 2,096 |
| Average total loans | $88,933,400 | 3,545 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6194% | 4,515 |
| Cost of funding earning assets | 0.1422% | 5,359 |
| Net interest margin | 3.4772% | 3,579 |
| Noninterest income to average assets | 0.6029% | 2,469 |
| Noninterest expense to average assets | 3.3981% | 1,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3471% | 5,121 |
| Return on assets (ROA) | 0.3620% | 5,097 |
| Pretax return on assets | 0.4733% | 5,081 |
| Return on Equity (ROE) | 2.1242% | 5,288 |
| Retained earnings to average equity (ytd only) | 1.3675% | 4,860 |
| Net charge-offs to loans | 0.1247% | 1,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 8.4513% | 2,781 |
| Efficiency ratio | 88.2223% | 497 |
| Assets per employee ($millions) | 3.3651% | 4,893 |
| Cash dividends to net income (ytd only)* | 35.6241% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 4,501 |
| Loan loss allowance to noncurrent loans | 82.2917% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 2,965 |
| Noncurrent loans to loans | 1.1093% | 1,734 |
| Net loans and leases to total assets | 46.7180% | 4,899 |
| Net loans and leases to deposits | 57.9822% | 4,757 |
| Net loans and leases to core deposits | 59.9638% | 4,821 |
| Total domestic deposits to total assets | 80.5730% | 4,184 |
| Equity capital to assets | 17.4156% | 386 |
| Core capital (leverage) ratio | 18.0879% | 302 |
| Tier 1 risk-based capital ratio | 38.1817% | 249 |
| Total risk-based capital ratio | 39.0633% | 256 |
| Memoranda: | ||
| Average total assets | $203,679,000 | 2,909 |
| Average earning assets | $190,301,750 | 2,888 |
| Average equity | $34,709,500 | 2,106 |
| Average total loans | $87,673,250 | 3,603 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5491% | 4,635 |
| Cost of funding earning assets | 0.1279% | 5,461 |
| Net interest margin | 3.4212% | 3,692 |
| Noninterest income to average assets | 0.5150% | 2,930 |
| Noninterest expense to average assets | 3.3671% | 1,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2662% | 5,296 |
| Return on assets (ROA) | 0.2888% | 5,263 |
| Pretax return on assets | 0.3730% | 5,227 |
| Return on Equity (ROE) | 1.7073% | 5,385 |
| Retained earnings to average equity (ytd only) | 0.9433% | 4,854 |
| Net charge-offs to loans | 0.1409% | 1,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.8500% | 2,770 |
| Efficiency ratio | 90.7388% | 419 |
| Assets per employee ($millions) | 3.4212% | 4,831 |
| Cash dividends to net income (ytd only)* | 44.7458% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 4,462 |
| Loan loss allowance to noncurrent loans | 81.6682% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5228% | 3,017 |
| Noncurrent loans to loans | 1.1526% | 1,697 |
| Net loans and leases to total assets | 44.9315% | 4,995 |
| Net loans and leases to deposits | 56.7575% | 4,820 |
| Net loans and leases to core deposits | 58.6131% | 4,894 |
| Total domestic deposits to total assets | 79.1639% | 4,589 |
| Equity capital to assets | 16.8325% | 424 |
| Core capital (leverage) ratio | 18.1602% | 295 |
| Tier 1 risk-based capital ratio | 39.0450% | 222 |
| Total risk-based capital ratio | 39.9741% | 229 |
| Memoranda: | ||
| Average total assets | $204,270,330 | 2,916 |
| Average earning assets | $190,808,330 | 2,900 |
| Average equity | $34,558,330 | 2,104 |
| Average total loans | $85,166,000 | 3,677 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4697% | 4,778 |
| Cost of funding earning assets | 0.1274% | 5,513 |
| Net interest margin | 3.3423% | 3,869 |
| Noninterest income to average assets | 0.4652% | 3,220 |
| Noninterest expense to average assets | 3.3812% | 1,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1705% | 5,434 |
| Return on assets (ROA) | 0.2059% | 5,400 |
| Pretax return on assets | 0.2415% | 5,387 |
| Return on Equity (ROE) | 1.2138% | 5,458 |
| Retained earnings to average equity (ytd only) | 0.4435% | 4,818 |
| Net charge-offs to loans | 0.2139% | 829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.3488% | 2,605 |
| Efficiency ratio | 94.4168% | 366 |
| Assets per employee ($millions) | 3.3283% | 5,020 |
| Cash dividends to net income (ytd only)* | 63.4615% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 3,721 |
| Loan loss allowance to noncurrent loans | 76.4954% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 2,842 |
| Noncurrent loans to loans | 1.4367% | 1,402 |
| Net loans and leases to total assets | 40.2476% | 5,242 |
| Net loans and leases to deposits | 48.7955% | 5,185 |
| Net loans and leases to core deposits | 50.3674% | 5,208 |
| Total domestic deposits to total assets | 82.4820% | 4,025 |
| Equity capital to assets | 17.0037% | 385 |
| Core capital (leverage) ratio | 18.3239% | 268 |
| Tier 1 risk-based capital ratio | 37.3994% | 267 |
| Total risk-based capital ratio | 38.3094% | 270 |
| Memoranda: | ||
| Average total assets | $202,060,000 | 2,971 |
| Average earning assets | $188,376,000 | 2,959 |
| Average equity | $34,273,500 | 2,127 |
| Average total loans | $80,419,500 | 3,802 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3720% | 5,036 |
| Cost of funding earning assets | 0.1435% | 5,465 |
| Net interest margin | 3.2285% | 4,359 |
| Noninterest income to average assets | 0.5050% | 3,204 |
| Noninterest expense to average assets | 3.2721% | 1,637 |
| Loan and lease loss provision to assets | 0.0114% | 4,150 |
| Net operating income to assets | 0.1769% | 5,455 |
| Return on assets (ROA) | 0.1914% | 5,484 |
| Pretax return on assets | 0.2567% | 5,418 |
| Return on Equity (ROE) | 1.1081% | 5,557 |
| Retained earnings to average equity (ytd only) | 0.3550% | 5,179 |
| Net charge-offs to loans | 0.0749% | 2,628 |
| Credit loss provision to net charge-offs | 39.6552% | 3,498 |
| Earnings coverage of net charge-offs (x) | 8.6724% | 2,847 |
| Efficiency ratio | 92.9344% | 423 |
| Assets per employee ($millions) | 3.2966% | 5,046 |
| Cash dividends to net income (ytd only)* | 67.9587% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 3,022 |
| Loan loss allowance to noncurrent loans | 67.5906% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 0.7514% | 2,484 |
| Noncurrent loans to loans | 1.7988% | 1,052 |
| Net loans and leases to total assets | 38.4233% | 5,386 |
| Net loans and leases to deposits | 46.4649% | 5,352 |
| Net loans and leases to core deposits | 47.9708% | 5,369 |
| Total domestic deposits to total assets | 82.6932% | 3,862 |
| Equity capital to assets | 16.9199% | 393 |
| Core capital (leverage) ratio | 18.3384% | 266 |
| Tier 1 risk-based capital ratio | 39.1664% | 234 |
| Total risk-based capital ratio | 40.1656% | 232 |
| Memoranda: | ||
| Average total assets | $202,197,200 | 2,935 |
| Average earning assets | $188,879,600 | 2,905 |
| Average equity | $34,925,600 | 2,083 |
| Average total loans | $77,428,600 | 3,860 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3356% | 5,154 |
| Cost of funding earning assets | 0.1472% | 5,501 |
| Net interest margin | 3.1885% | 4,516 |
| Noninterest income to average assets | 0.5057% | 3,207 |
| Noninterest expense to average assets | 3.3281% | 1,500 |
| Loan and lease loss provision to assets | 0.0151% | 3,943 |
| Net operating income to assets | 0.1117% | 5,611 |
| Return on assets (ROA) | 0.1317% | 5,640 |
| Pretax return on assets | 0.1699% | 5,594 |
| Return on Equity (ROE) | 0.7586% | 5,672 |
| Retained earnings to average equity (ytd only) | 0.0114% | 5,342 |
| Net charge-offs to loans | 0.2728% | 849 |
| Credit loss provision to net charge-offs | 14.5570% | 3,334 |
| Earnings coverage of net charge-offs (x) | 1.5317% | 3,684 |
| Efficiency ratio | 95.4305% | 335 |
| Assets per employee ($millions) | 3.2744% | 5,077 |
| Cash dividends to net income (ytd only)* | 98.5000% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 3,933 |
| Loan loss allowance to noncurrent loans | 67.6471% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 2,849 |
| Noncurrent loans to loans | 1.5992% | 1,347 |
| Net loans and leases to total assets | 38.9585% | 5,430 |
| Net loans and leases to deposits | 47.6449% | 5,390 |
| Net loans and leases to core deposits | 49.2167% | 5,413 |
| Total domestic deposits to total assets | 81.7686% | 4,018 |
| Equity capital to assets | 17.8304% | 357 |
| Core capital (leverage) ratio | 18.5879% | 253 |
| Tier 1 risk-based capital ratio | 40.7151% | 214 |
| Total risk-based capital ratio | 41.6477% | 213 |
| Memoranda: | ||
| Average total assets | $202,473,000 | 2,941 |
| Average earning assets | $189,344,500 | 2,916 |
| Average equity | $35,150,750 | 2,080 |
| Average total loans | $77,231,250 | 3,895 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3655% | 5,152 |
| Cost of funding earning assets | 0.1506% | 5,545 |
| Net interest margin | 3.2149% | 4,498 |
| Noninterest income to average assets | 0.4966% | 3,218 |
| Noninterest expense to average assets | 3.3188% | 1,553 |
| Loan and lease loss provision to assets | 0.0226% | 3,675 |
| Net operating income to assets | 0.1217% | 5,642 |
| Return on assets (ROA) | 0.1308% | 5,680 |
| Pretax return on assets | 0.1691% | 5,652 |
| Return on Equity (ROE) | 0.7601% | 5,715 |
| Retained earnings to average equity (ytd only) | 0.0057% | 5,285 |
| Net charge-offs to loans | 0.1902% | 1,206 |
| Credit loss provision to net charge-offs | 31.5068% | 2,847 |
| Earnings coverage of net charge-offs (x) | 2.5068% | 3,262 |
| Efficiency ratio | 94.8567% | 384 |
| Assets per employee ($millions) | 3.2274% | 5,167 |
| Cash dividends to net income (ytd only)* | 99.2481% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 3,497 |
| Loan loss allowance to noncurrent loans | 63.5007% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 0.7968% | 2,601 |
| Noncurrent loans to loans | 1.8501% | 1,095 |
| Net loans and leases to total assets | 38.7247% | 5,480 |
| Net loans and leases to deposits | 47.6478% | 5,433 |
| Net loans and leases to core deposits | 49.1992% | 5,463 |
| Total domestic deposits to total assets | 81.2728% | 4,194 |
| Equity capital to assets | 17.4037% | 386 |
| Core capital (leverage) ratio | 18.2292% | 277 |
| Tier 1 risk-based capital ratio | 43.4057% | 193 |
| Total risk-based capital ratio | 44.4992% | 192 |
| Memoranda: | ||
| Average total assets | $203,384,670 | 2,947 |
| Average earning assets | $189,926,000 | 2,927 |
| Average equity | $34,996,330 | 2,087 |
| Average total loans | $76,753,000 | 3,929 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3901% | 5,150 |
| Cost of funding earning assets | 0.1518% | 5,596 |
| Net interest margin | 3.2383% | 4,439 |
| Noninterest income to average assets | 0.4778% | 3,284 |
| Noninterest expense to average assets | 3.2938% | 1,619 |
| Loan and lease loss provision to assets | 0.0452% | 3,020 |
| Net operating income to assets | 0.1362% | 5,628 |
| Return on assets (ROA) | 0.1514% | 5,666 |
| Pretax return on assets | 0.1770% | 5,665 |
| Return on Equity (ROE) | 0.8850% | 5,712 |
| Retained earnings to average equity (ytd only) | 0.1264% | 5,079 |
| Net charge-offs to loans | 0.0106% | 2,766 |
| Credit loss provision to net charge-offs | 1,150.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 861 |
| Efficiency ratio | 94.1540% | 441 |
| Assets per employee ($millions) | 3.2330% | 5,221 |
| Cash dividends to net income (ytd only)* | 85.7143% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 2,652 |
| Loan loss allowance to noncurrent loans | 57.0862% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9132% | 2,408 |
| Noncurrent loans to loans | 2.3662% | 829 |
| Net loans and leases to total assets | 36.1075% | 5,631 |
| Net loans and leases to deposits | 43.7821% | 5,598 |
| Net loans and leases to core deposits | 45.1824% | 5,621 |
| Total domestic deposits to total assets | 82.4709% | 4,079 |
| Equity capital to assets | 17.2385% | 400 |
| Core capital (leverage) ratio | 18.3196% | 270 |
| Tier 1 risk-based capital ratio | 41.7147% | 213 |
| Total risk-based capital ratio | 42.8450% | 214 |
| Memoranda: | ||
| Average total assets | $203,414,500 | 2,949 |
| Average earning assets | $189,731,500 | 2,933 |
| Average equity | $34,801,500 | 2,099 |
| Average total loans | $75,293,000 | 3,991 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4875% | 4,954 |
| Cost of funding earning assets | 0.1574% | 5,640 |
| Net interest margin | 3.3300% | 4,182 |
| Noninterest income to average assets | 0.5464% | 3,031 |
| Noninterest expense to average assets | 3.3708% | 1,545 |
| Loan and lease loss provision to assets | 0.0494% | 3,334 |
| Net operating income to assets | 0.1681% | 5,644 |
| Return on assets (ROA) | 0.1928% | 5,647 |
| Pretax return on assets | 0.2537% | 5,607 |
| Return on Equity (ROE) | 1.1111% | 5,754 |
| Retained earnings to average equity (ytd only) | 0.3541% | 5,374 |
| Net charge-offs to loans | 0.1840% | 1,563 |
| Credit loss provision to net charge-offs | 71.7391% | 3,091 |
| Earnings coverage of net charge-offs (x) | 3.9275% | 3,639 |
| Efficiency ratio | 92.5662% | 546 |
| Assets per employee ($millions) | 3.1254% | 5,384 |
| Cash dividends to net income (ytd only)* | 68.1347% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 2,926 |
| Loan loss allowance to noncurrent loans | 69.4856% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 2,857 |
| Noncurrent loans to loans | 1.8662% | 1,151 |
| Net loans and leases to total assets | 36.9430% | 5,670 |
| Net loans and leases to deposits | 44.6995% | 5,630 |
| Net loans and leases to core deposits | 46.1284% | 5,644 |
| Total domestic deposits to total assets | 82.6474% | 3,962 |
| Equity capital to assets | 16.9785% | 413 |
| Core capital (leverage) ratio | 18.3214% | 273 |
| Tier 1 risk-based capital ratio | 41.6691% | 208 |
| Total risk-based capital ratio | 42.7749% | 207 |
| Memoranda: | ||
| Average total assets | $200,222,400 | 2,953 |
| Average earning assets | $186,095,000 | 2,930 |
| Average equity | $34,739,800 | 2,052 |
| Average total loans | $74,990,200 | 3,970 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4680% | 5,053 |
| Cost of funding earning assets | 0.1582% | 5,725 |
| Net interest margin | 3.3099% | 4,299 |
| Noninterest income to average assets | 0.5781% | 2,862 |
| Noninterest expense to average assets | 3.4474% | 1,387 |
| Loan and lease loss provision to assets | 0.0508% | 3,191 |
| Net operating income to assets | 0.1278% | 5,809 |
| Return on assets (ROA) | 0.1624% | 5,805 |
| Pretax return on assets | 0.1998% | 5,791 |
| Return on Equity (ROE) | 0.9310% | 5,867 |
| Retained earnings to average equity (ytd only) | 0.1762% | 5,555 |
| Net charge-offs to loans | 0.2123% | 1,225 |
| Credit loss provision to net charge-offs | 63.8655% | 2,860 |
| Earnings coverage of net charge-offs (x) | 2.6135% | 3,639 |
| Efficiency ratio | 94.3134% | 474 |
| Assets per employee ($millions) | 2.9884% | 5,560 |
| Cash dividends to net income (ytd only)* | 81.0704% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 3,051 |
| Loan loss allowance to noncurrent loans | 61.8778% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 0.8984% | 2,628 |
| Noncurrent loans to loans | 2.1109% | 1,069 |
| Net loans and leases to total assets | 37.6189% | 5,722 |
| Net loans and leases to deposits | 46.3457% | 5,636 |
| Net loans and leases to core deposits | 47.9006% | 5,658 |
| Total domestic deposits to total assets | 81.1703% | 4,430 |
| Equity capital to assets | 17.7209% | 366 |
| Core capital (leverage) ratio | 18.4574% | 272 |
| Tier 1 risk-based capital ratio | 41.2093% | 233 |
| Total risk-based capital ratio | 42.3204% | 232 |
| Memoranda: | ||
| Average total assets | $199,490,250 | 2,973 |
| Average earning assets | $185,461,500 | 2,962 |
| Average equity | $34,801,750 | 2,064 |
| Average total loans | $74,728,750 | 4,018 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4363% | 5,144 |
| Cost of funding earning assets | 0.1581% | 5,795 |
| Net interest margin | 3.2782% | 4,383 |
| Noninterest income to average assets | 0.6043% | 2,709 |
| Noninterest expense to average assets | 3.4728% | 1,342 |
| Loan and lease loss provision to assets | 0.0529% | 3,062 |
| Net operating income to assets | 0.0987% | 5,877 |
| Return on assets (ROA) | 0.1498% | 5,856 |
| Pretax return on assets | 0.1878% | 5,833 |
| Return on Equity (ROE) | 0.8633% | 5,922 |
| Retained earnings to average equity (ytd only) | 0.1036% | 5,473 |
| Net charge-offs to loans | 0.3352% | 781 |
| Credit loss provision to net charge-offs | 42.4000% | 2,783 |
| Earnings coverage of net charge-offs (x) | 1.4160% | 3,520 |
| Efficiency ratio | 95.1560% | 472 |
| Assets per employee ($millions) | 2.9790% | 5,622 |
| Cash dividends to net income (ytd only)* | 88.0000% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 3,384 |
| Loan loss allowance to noncurrent loans | 55.2784% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 0.9605% | 2,604 |
| Noncurrent loans to loans | 2.3011% | 1,024 |
| Net loans and leases to total assets | 37.0593% | 5,776 |
| Net loans and leases to deposits | 45.7241% | 5,693 |
| Net loans and leases to core deposits | 47.2403% | 5,713 |
| Total domestic deposits to total assets | 81.0497% | 4,606 |
| Equity capital to assets | 17.0884% | 408 |
| Core capital (leverage) ratio | 18.0780% | 281 |
| Tier 1 risk-based capital ratio | 40.7734% | 245 |
| Total risk-based capital ratio | 41.8536% | 245 |
| Memoranda: | ||
| Average total assets | $200,241,670 | 2,987 |
| Average earning assets | $186,014,670 | 2,976 |
| Average equity | $34,751,670 | 2,073 |
| Average total loans | $74,578,330 | 4,042 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4527% | 5,078 |
| Cost of funding earning assets | 0.1587% | 5,857 |
| Net interest margin | 3.2940% | 4,246 |
| Noninterest income to average assets | 0.6522% | 2,394 |
| Noninterest expense to average assets | 3.4442% | 1,416 |
| Loan and lease loss provision to assets | 0.0598% | 2,732 |
| Net operating income to assets | 0.1695% | 5,745 |
| Return on assets (ROA) | 0.1695% | 5,820 |
| Pretax return on assets | 0.2114% | 5,814 |
| Return on Equity (ROE) | 0.9694% | 5,912 |
| Retained earnings to average equity (ytd only) | 0.2167% | 5,299 |
| Net charge-offs to loans | -0.0484% | 5,499 |
| Credit loss provision to net charge-offs | -333.3333% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6999% | 671 |
| Assets per employee ($millions) | 3.0170% | 5,640 |
| Cash dividends to net income (ytd only)* | 77.6471% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 2,786 |
| Loan loss allowance to noncurrent loans | 55.4455% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 1.0651% | 2,486 |
| Noncurrent loans to loans | 2.5793% | 927 |
| Net loans and leases to total assets | 36.2795% | 5,815 |
| Net loans and leases to deposits | 44.1876% | 5,751 |
| Net loans and leases to core deposits | 45.6132% | 5,773 |
| Total domestic deposits to total assets | 82.1034% | 4,482 |
| Equity capital to assets | 17.4791% | 381 |
| Core capital (leverage) ratio | 18.4829% | 263 |
| Tier 1 risk-based capital ratio | 42.7589% | 223 |
| Total risk-based capital ratio | 43.9928% | 219 |
| Memoranda: | ||
| Average total assets | $200,567,000 | 3,004 |
| Average earning assets | $186,520,500 | 2,980 |
| Average equity | $35,074,000 | 2,062 |
| Average total loans | $74,407,500 | 4,068 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6223% | 5,024 |
| Cost of funding earning assets | 0.1794% | 5,914 |
| Net interest margin | 3.4429% | 4,011 |
| Noninterest income to average assets | 0.4191% | 4,041 |
| Noninterest expense to average assets | 3.2977% | 1,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2246% | 5,717 |
| Return on assets (ROA) | 0.2250% | 5,780 |
| Pretax return on assets | 0.2971% | 5,708 |
| Return on Equity (ROE) | 1.3211% | 5,929 |
| Retained earnings to average equity (ytd only) | 0.5421% | 5,527 |
| Net charge-offs to loans | 0.3830% | 1,117 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.0704% | 4,255 |
| Efficiency ratio | 91.7485% | 724 |
| Assets per employee ($millions) | 2.9264% | 5,793 |
| Cash dividends to net income (ytd only)* | 58.9686% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 3,058 |
| Loan loss allowance to noncurrent loans | 50.0488% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0588% | 2,629 |
| Noncurrent loans to loans | 2.7521% | 873 |
| Net loans and leases to total assets | 36.8808% | 5,905 |
| Net loans and leases to deposits | 45.2394% | 5,829 |
| Net loans and leases to core deposits | 46.7283% | 5,860 |
| Total domestic deposits to total assets | 81.5237% | 4,585 |
| Equity capital to assets | 17.4959% | 364 |
| Core capital (leverage) ratio | 18.4244% | 272 |
| Tier 1 risk-based capital ratio | 42.1174% | 209 |
| Total risk-based capital ratio | 43.2832% | 209 |
| Memoranda: | ||
| Average total assets | $198,262,200 | 3,018 |
| Average earning assets | $182,839,200 | 3,002 |
| Average equity | $33,758,800 | 2,066 |
| Average total loans | $74,148,600 | 4,053 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6513% | 4,998 |
| Cost of funding earning assets | 0.1813% | 5,986 |
| Net interest margin | 3.4700% | 3,942 |
| Noninterest income to average assets | 0.4018% | 4,231 |
| Noninterest expense to average assets | 3.3440% | 1,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2006% | 5,848 |
| Return on assets (ROA) | 0.1979% | 5,902 |
| Pretax return on assets | 0.2491% | 5,867 |
| Return on Equity (ROE) | 1.1703% | 6,008 |
| Retained earnings to average equity (ytd only) | 0.3861% | 5,693 |
| Net charge-offs to loans | -0.1116% | 6,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9815% | 649 |
| Assets per employee ($millions) | 2.8572% | 5,903 |
| Cash dividends to net income (ytd only)* | 67.0068% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8974% | 1,458 |
| Loan loss allowance to noncurrent loans | 63.2672% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 1.1702% | 2,608 |
| Noncurrent loans to loans | 2.9990% | 893 |
| Net loans and leases to total assets | 35.9564% | 6,029 |
| Net loans and leases to deposits | 44.7872% | 5,932 |
| Net loans and leases to core deposits | 46.2978% | 5,947 |
| Total domestic deposits to total assets | 80.2827% | 5,022 |
| Equity capital to assets | 17.3860% | 392 |
| Core capital (leverage) ratio | 18.6396% | 269 |
| Tier 1 risk-based capital ratio | 42.1620% | 210 |
| Total risk-based capital ratio | 43.4162% | 207 |
| Memoranda: | ||
| Average total assets | $198,079,000 | 3,041 |
| Average earning assets | $182,360,500 | 3,029 |
| Average equity | $33,494,500 | 2,084 |
| Average total loans | $74,081,750 | 4,085 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6875% | 4,897 |
| Cost of funding earning assets | 0.1841% | 6,040 |
| Net interest margin | 3.5034% | 3,777 |
| Noninterest income to average assets | 0.5434% | 3,184 |
| Noninterest expense to average assets | 3.3661% | 1,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3184% | 5,503 |
| Return on assets (ROA) | 0.3176% | 5,584 |
| Pretax return on assets | 0.3992% | 5,564 |
| Return on Equity (ROE) | 1.8956% | 5,864 |
| Retained earnings to average equity (ytd only) | 1.1073% | 5,316 |
| Net charge-offs to loans | -0.1151% | 6,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3737% | 961 |
| Assets per employee ($millions) | 2.9040% | 5,881 |
| Cash dividends to net income (ytd only)* | 41.5873% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7927% | 1,860 |
| Loan loss allowance to noncurrent loans | 30.3275% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 2.3107% | 1,282 |
| Noncurrent loans to loans | 5.9113% | 272 |
| Net loans and leases to total assets | 36.9626% | 6,005 |
| Net loans and leases to deposits | 46.5911% | 5,849 |
| Net loans and leases to core deposits | 48.1535% | 5,895 |
| Total domestic deposits to total assets | 79.3340% | 5,379 |
| Equity capital to assets | 17.0901% | 403 |
| Core capital (leverage) ratio | 18.4030% | 276 |
| Tier 1 risk-based capital ratio | 40.5721% | 231 |
| Total risk-based capital ratio | 41.8255% | 226 |
| Memoranda: | ||
| Average total assets | $198,389,670 | 3,054 |
| Average earning assets | $182,509,670 | 3,046 |
| Average equity | $33,234,000 | 2,083 |
| Average total loans | $74,689,670 | 4,082 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 4,735 |
| Cost of funding earning assets | 0.1877% | 6,093 |
| Net interest margin | 3.5457% | 3,497 |
| Noninterest income to average assets | 0.5208% | 3,261 |
| Noninterest expense to average assets | 3.4712% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2419% | 5,686 |
| Return on assets (ROA) | 0.2290% | 5,771 |
| Pretax return on assets | 0.2877% | 5,745 |
| Return on Equity (ROE) | 1.3810% | 5,955 |
| Retained earnings to average equity (ytd only) | 0.5744% | 5,353 |
| Net charge-offs to loans | -0.0377% | 5,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9485% | 885 |
| Assets per employee ($millions) | 2.9509% | 5,910 |
| Cash dividends to net income (ytd only)* | 58.4071% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7276% | 2,262 |
| Loan loss allowance to noncurrent loans | 74.1408% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.0106% | 3,234 |
| Noncurrent loans to loans | 2.3302% | 1,523 |
| Net loans and leases to total assets | 37.8630% | 5,952 |
| Net loans and leases to deposits | 45.9757% | 5,854 |
| Net loans and leases to core deposits | 47.4780% | 5,904 |
| Total domestic deposits to total assets | 82.3545% | 4,833 |
| Equity capital to assets | 16.7609% | 423 |
| Core capital (leverage) ratio | 18.5059% | 277 |
| Tier 1 risk-based capital ratio | 39.5856% | 241 |
| Total risk-based capital ratio | 40.8377% | 237 |
| Memoranda: | ||
| Average total assets | $197,398,000 | 3,084 |
| Average earning assets | $181,177,000 | 3,078 |
| Average equity | $32,729,000 | 2,102 |
| Average total loans | $74,327,000 | 4,128 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6334% | 5,323 |
| Cost of funding earning assets | 0.2142% | 6,207 |
| Net interest margin | 3.4192% | 4,207 |
| Noninterest income to average assets | 0.5372% | 3,500 |
| Noninterest expense to average assets | 3.3449% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2714% | 5,614 |
| Return on assets (ROA) | 0.3103% | 5,581 |
| Pretax return on assets | 0.3911% | 5,515 |
| Return on Equity (ROE) | 1.8067% | 5,902 |
| Retained earnings to average equity (ytd only) | 1.0378% | 5,375 |
| Net charge-offs to loans | 0.2318% | 2,600 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.1024% | 3,671 |
| Efficiency ratio | 90.7259% | 970 |
| Assets per employee ($millions) | 2.8155% | 6,085 |
| Cash dividends to net income (ytd only)* | 42.5566% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8060% | 2,052 |
| Loan loss allowance to noncurrent loans | 66.6158% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.1229% | 3,152 |
| Noncurrent loans to loans | 2.7111% | 1,345 |
| Net loans and leases to total assets | 36.1111% | 6,198 |
| Net loans and leases to deposits | 43.4228% | 6,151 |
| Net loans and leases to core deposits | 44.8304% | 6,188 |
| Total domestic deposits to total assets | 83.1617% | 4,485 |
| Equity capital to assets | 16.3989% | 462 |
| Core capital (leverage) ratio | 18.3213% | 281 |
| Tier 1 risk-based capital ratio | 40.6220% | 221 |
| Total risk-based capital ratio | 41.8744% | 216 |
| Memoranda: | ||
| Average total assets | $199,168,600 | 3,040 |
| Average earning assets | $183,466,600 | 3,034 |
| Average equity | $34,206,200 | 2,010 |
| Average total loans | $71,608,200 | 4,201 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5619% | 5,547 |
| Cost of funding earning assets | 0.2185% | 6,299 |
| Net interest margin | 3.3433% | 4,485 |
| Noninterest income to average assets | 0.5455% | 3,489 |
| Noninterest expense to average assets | 3.3064% | 2,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2604% | 5,755 |
| Return on assets (ROA) | 0.3031% | 5,721 |
| Pretax return on assets | 0.3772% | 5,688 |
| Return on Equity (ROE) | 1.7456% | 6,014 |
| Retained earnings to average equity (ytd only) | 0.9881% | 5,584 |
| Net charge-offs to loans | 0.2484% | 2,323 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.6466% | 3,647 |
| Efficiency ratio | 91.0796% | 914 |
| Assets per employee ($millions) | 2.8626% | 6,060 |
| Cash dividends to net income (ytd only)* | 43.3919% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9101% | 1,974 |
| Loan loss allowance to noncurrent loans | 67.1336% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.1189% | 3,412 |
| Noncurrent loans to loans | 2.8452% | 1,452 |
| Net loans and leases to total assets | 34.8908% | 6,325 |
| Net loans and leases to deposits | 43.4262% | 6,240 |
| Net loans and leases to core deposits | 44.9691% | 6,250 |
| Total domestic deposits to total assets | 80.3452% | 5,411 |
| Equity capital to assets | 16.5306% | 471 |
| Core capital (leverage) ratio | 18.2997% | 285 |
| Tier 1 risk-based capital ratio | 41.7386% | 220 |
| Total risk-based capital ratio | 42.9925% | 216 |
| Memoranda: | ||
| Average total assets | $199,689,250 | 3,060 |
| Average earning assets | $184,243,000 | 3,048 |
| Average equity | $34,677,750 | 2,007 |
| Average total loans | $71,390,500 | 4,250 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5013% | 5,693 |
| Cost of funding earning assets | 0.2256% | 6,340 |
| Net interest margin | 3.2757% | 4,663 |
| Noninterest income to average assets | 0.5608% | 3,434 |
| Noninterest expense to average assets | 3.3142% | 2,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2185% | 5,844 |
| Return on assets (ROA) | 0.2445% | 5,913 |
| Pretax return on assets | 0.3084% | 5,858 |
| Return on Equity (ROE) | 1.3860% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.6393% | 5,643 |
| Net charge-offs to loans | 0.2257% | 2,379 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.4074% | 3,394 |
| Efficiency ratio | 92.3269% | 871 |
| Assets per employee ($millions) | 2.9378% | 5,950 |
| Cash dividends to net income (ytd only)* | 53.8776% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9654% | 1,927 |
| Loan loss allowance to noncurrent loans | 59.4964% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 1.3014% | 3,172 |
| Noncurrent loans to loans | 3.3033% | 1,321 |
| Net loans and leases to total assets | 34.3029% | 6,397 |
| Net loans and leases to deposits | 42.6788% | 6,296 |
| Net loans and leases to core deposits | 44.5814% | 6,305 |
| Total domestic deposits to total assets | 80.3745% | 5,520 |
| Equity capital to assets | 16.4450% | 474 |
| Core capital (leverage) ratio | 18.1738% | 280 |
| Tier 1 risk-based capital ratio | 41.1225% | 213 |
| Total risk-based capital ratio | 42.3762% | 213 |
| Memoranda: | ||
| Average total assets | $200,412,670 | 3,068 |
| Average earning assets | $185,302,000 | 3,045 |
| Average equity | $35,353,330 | 1,968 |
| Average total loans | $71,768,000 | 4,248 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4893% | 5,728 |
| Cost of funding earning assets | 0.2339% | 6,389 |
| Net interest margin | 3.2554% | 4,708 |
| Noninterest income to average assets | 0.5922% | 3,181 |
| Noninterest expense to average assets | 3.3744% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1914% | 5,920 |
| Return on assets (ROA) | 0.2128% | 5,964 |
| Pretax return on assets | 0.2610% | 5,930 |
| Return on Equity (ROE) | 1.1660% | 6,180 |
| Retained earnings to average equity (ytd only) | 0.4400% | 5,648 |
| Net charge-offs to loans | -0.0887% | 6,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4928% | 873 |
| Assets per employee ($millions) | 2.9487% | 6,073 |
| Cash dividends to net income (ytd only)* | 62.2642% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0935% | 1,811 |
| Loan loss allowance to noncurrent loans | 62.8054% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.3311% | 3,295 |
| Noncurrent loans to loans | 3.3332% | 1,454 |
| Net loans and leases to total assets | 34.7765% | 6,374 |
| Net loans and leases to deposits | 42.5404% | 6,288 |
| Net loans and leases to core deposits | 44.7232% | 6,276 |
| Total domestic deposits to total assets | 81.7492% | 5,281 |
| Equity capital to assets | 18.0897% | 326 |
| Core capital (leverage) ratio | 18.5611% | 258 |
| Tier 1 risk-based capital ratio | 42.4105% | 203 |
| Total risk-based capital ratio | 43.6666% | 204 |
| Memoranda: | ||
| Average total assets | $199,266,000 | 3,105 |
| Average earning assets | $184,677,500 | 3,084 |
| Average equity | $36,362,500 | 1,944 |
| Average total loans | $72,188,000 | 4,264 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6811% | 6,084 |
| Cost of funding earning assets | 0.2714% | 6,583 |
| Net interest margin | 3.4097% | 4,846 |
| Noninterest income to average assets | 0.5119% | 3,819 |
| Noninterest expense to average assets | 3.3669% | 2,137 |
| Loan and lease loss provision to assets | 0.2802% | 2,410 |
| Net operating income to assets | 0.0621% | 6,068 |
| Return on assets (ROA) | 0.1571% | 6,037 |
| Pretax return on assets | 0.1406% | 6,083 |
| Return on Equity (ROE) | 0.8821% | 6,155 |
| Retained earnings to average equity (ytd only) | 0.1433% | 5,769 |
| Net charge-offs to loans | 1.3094% | 738 |
| Credit loss provision to net charge-offs | 58.0311% | 4,497 |
| Earnings coverage of net charge-offs (x) | 0.6746% | 5,149 |
| Efficiency ratio | 91.1777% | 974 |
| Assets per employee ($millions) | 2.8289% | 6,269 |
| Cash dividends to net income (ytd only)* | 83.7580% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0163% | 1,980 |
| Loan loss allowance to noncurrent loans | 51.1797% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 1.6912% | 2,861 |
| Noncurrent loans to loans | 3.9396% | 1,205 |
| Net loans and leases to total assets | 36.1979% | 6,422 |
| Net loans and leases to deposits | 44.5192% | 6,340 |
| Net loans and leases to core deposits | 47.0082% | 6,326 |
| Total domestic deposits to total assets | 81.3085% | 5,307 |
| Equity capital to assets | 18.4087% | 301 |
| Core capital (leverage) ratio | 18.4505% | 257 |
| Tier 1 risk-based capital ratio | 41.4797% | 209 |
| Total risk-based capital ratio | 42.7345% | 209 |
| Memoranda: | ||
| Average total assets | $199,829,200 | 3,049 |
| Average earning assets | $186,411,400 | 3,010 |
| Average equity | $35,598,200 | 1,943 |
| Average total loans | $73,700,200 | 4,217 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7232% | 6,187 |
| Cost of funding earning assets | 0.2780% | 6,707 |
| Net interest margin | 3.4452% | 4,859 |
| Noninterest income to average assets | 0.5113% | 3,849 |
| Noninterest expense to average assets | 3.5123% | 1,728 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1747% | 5,977 |
| Return on assets (ROA) | 0.2716% | 5,905 |
| Pretax return on assets | 0.3375% | 5,877 |
| Return on Equity (ROE) | 1.5374% | 6,148 |
| Retained earnings to average equity (ytd only) | 0.7951% | 5,842 |
| Net charge-offs to loans | 0.6194% | 1,783 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.9475% | 4,851 |
| Efficiency ratio | 94.1975% | 761 |
| Assets per employee ($millions) | 2.9134% | 6,195 |
| Cash dividends to net income (ytd only)* | 48.2840% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0838% | 1,948 |
| Loan loss allowance to noncurrent loans | 41.0743% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 1.9117% | 2,765 |
| Noncurrent loans to loans | 5.0733% | 886 |
| Net loans and leases to total assets | 35.9269% | 6,553 |
| Net loans and leases to deposits | 45.3353% | 6,433 |
| Net loans and leases to core deposits | 47.9269% | 6,420 |
| Total domestic deposits to total assets | 79.2470% | 5,813 |
| Equity capital to assets | 17.9075% | 370 |
| Core capital (leverage) ratio | 18.5114% | 272 |
| Tier 1 risk-based capital ratio | 41.2258% | 216 |
| Total risk-based capital ratio | 42.4821% | 217 |
| Memoranda: | ||
| Average total assets | $200,281,500 | 3,072 |
| Average earning assets | $187,040,250 | 3,024 |
| Average equity | $35,384,500 | 1,971 |
| Average total loans | $73,836,750 | 4,264 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7863% | 6,172 |
| Cost of funding earning assets | 0.2856% | 6,784 |
| Net interest margin | 3.5007% | 4,665 |
| Noninterest income to average assets | 0.4909% | 3,978 |
| Noninterest expense to average assets | 3.4874% | 1,812 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2202% | 5,855 |
| Return on assets (ROA) | 0.2650% | 5,910 |
| Pretax return on assets | 0.3319% | 5,889 |
| Return on Equity (ROE) | 1.5065% | 6,190 |
| Retained earnings to average equity (ytd only) | 0.7561% | 5,762 |
| Net charge-offs to loans | 0.1002% | 4,163 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 7.4595% | 2,480 |
| Efficiency ratio | 92.6674% | 883 |
| Assets per employee ($millions) | 2.7780% | 6,439 |
| Cash dividends to net income (ytd only)* | 49.8113% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4989% | 1,285 |
| Loan loss allowance to noncurrent loans | 44.5169% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 2.1263% | 2,633 |
| Noncurrent loans to loans | 5.6133% | 823 |
| Net loans and leases to total assets | 35.4602% | 6,642 |
| Net loans and leases to deposits | 43.4735% | 6,578 |
| Net loans and leases to core deposits | 45.7565% | 6,584 |
| Total domestic deposits to total assets | 81.5672% | 5,278 |
| Equity capital to assets | 17.5925% | 379 |
| Core capital (leverage) ratio | 18.3747% | 276 |
| Tier 1 risk-based capital ratio | 40.8949% | 215 |
| Total risk-based capital ratio | 42.1550% | 213 |
| Memoranda: | ||
| Average total assets | $200,034,670 | 3,084 |
| Average earning assets | $186,990,000 | 3,033 |
| Average equity | $35,180,000 | 1,966 |
| Average total loans | $73,863,000 | 4,284 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 6,110 |
| Cost of funding earning assets | 0.2983% | 6,845 |
| Net interest margin | 3.5627% | 4,429 |
| Noninterest income to average assets | 0.5195% | 3,782 |
| Noninterest expense to average assets | 3.5700% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2344% | 5,872 |
| Return on assets (ROA) | 0.3020% | 5,817 |
| Pretax return on assets | 0.3765% | 5,795 |
| Return on Equity (ROE) | 1.7176% | 6,153 |
| Retained earnings to average equity (ytd only) | 0.9619% | 5,688 |
| Net charge-offs to loans | 0.2110% | 2,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.7179% | 2,773 |
| Efficiency ratio | 92.4400% | 916 |
| Assets per employee ($millions) | 2.8038% | 6,496 |
| Cash dividends to net income (ytd only)* | 44.0000% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5106% | 1,342 |
| Loan loss allowance to noncurrent loans | 43.5225% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 2.1281% | 2,747 |
| Noncurrent loans to loans | 5.7684% | 899 |
| Net loans and leases to total assets | 35.4129% | 6,662 |
| Net loans and leases to deposits | 43.9248% | 6,564 |
| Net loans and leases to core deposits | 46.1920% | 6,556 |
| Total domestic deposits to total assets | 80.6215% | 5,695 |
| Equity capital to assets | 17.2683% | 395 |
| Core capital (leverage) ratio | 18.5262% | 265 |
| Tier 1 risk-based capital ratio | 41.0204% | 216 |
| Total risk-based capital ratio | 42.2804% | 210 |
| Memoranda: | ||
| Average total assets | $198,656,500 | 3,121 |
| Average earning assets | $186,377,000 | 3,064 |
| Average equity | $34,932,000 | 1,982 |
| Average total loans | $73,918,000 | 4,320 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 5,995 |
| Cost of funding earning assets | 0.4401% | 6,767 |
| Net interest margin | 3.7814% | 3,919 |
| Noninterest income to average assets | 0.4734% | 4,039 |
| Noninterest expense to average assets | 3.6096% | 1,725 |
| Loan and lease loss provision to assets | 0.1376% | 4,897 |
| Net operating income to assets | 0.2427% | 5,449 |
| Return on assets (ROA) | 0.2757% | 5,499 |
| Pretax return on assets | 0.3058% | 5,541 |
| Return on Equity (ROE) | 1.5618% | 5,824 |
| Retained earnings to average equity (ytd only) | 0.5978% | 5,564 |
| Net charge-offs to loans | 1.4272% | 1,142 |
| Credit loss provision to net charge-offs | 23.4155% | 5,872 |
| Earnings coverage of net charge-offs (x) | 0.6919% | 5,292 |
| Efficiency ratio | 89.8750% | 1,202 |
| Assets per employee ($millions) | 2.7144% | 6,590 |
| Cash dividends to net income (ytd only)* | 61.7261% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5233% | 1,284 |
| Loan loss allowance to noncurrent loans | 44.1315% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 2.2135% | 2,720 |
| Noncurrent loans to loans | 5.7177% | 906 |
| Net loans and leases to total assets | 37.1603% | 6,692 |
| Net loans and leases to deposits | 45.7392% | 6,636 |
| Net loans and leases to core deposits | 48.1566% | 6,634 |
| Total domestic deposits to total assets | 81.2439% | 5,375 |
| Equity capital to assets | 17.9104% | 356 |
| Core capital (leverage) ratio | 18.5517% | 267 |
| Tier 1 risk-based capital ratio | 41.7057% | 209 |
| Total risk-based capital ratio | 42.9668% | 203 |
| Memoranda: | ||
| Average total assets | $193,292,200 | 3,141 |
| Average earning assets | $181,095,000 | 3,074 |
| Average equity | $34,127,800 | 1,965 |
| Average total loans | $79,597,000 | 4,151 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3111% | 5,912 |
| Cost of funding earning assets | 0.4747% | 6,797 |
| Net interest margin | 3.8364% | 3,686 |
| Noninterest income to average assets | 0.4939% | 3,918 |
| Noninterest expense to average assets | 3.7373% | 1,421 |
| Loan and lease loss provision to assets | 0.1826% | 4,207 |
| Net operating income to assets | 0.1331% | 5,879 |
| Return on assets (ROA) | 0.1729% | 5,890 |
| Pretax return on assets | 0.2124% | 5,873 |
| Return on Equity (ROE) | 0.9830% | 6,069 |
| Retained earnings to average equity (ytd only) | -0.0511% | 5,969 |
| Net charge-offs to loans | 1.4492% | 1,010 |
| Credit loss provision to net charge-offs | 30.0341% | 5,415 |
| Earnings coverage of net charge-offs (x) | 0.5688% | 5,197 |
| Efficiency ratio | 91.5297% | 1,067 |
| Assets per employee ($millions) | 2.7007% | 6,648 |
| Cash dividends to net income (ytd only)* | 105.1991% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7648% | 1,064 |
| Loan loss allowance to noncurrent loans | 57.1161% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.9573% | 3,200 |
| Noncurrent loans to loans | 4.8407% | 1,319 |
| Net loans and leases to total assets | 38.6150% | 6,736 |
| Net loans and leases to deposits | 47.9458% | 6,623 |
| Net loans and leases to core deposits | 50.2348% | 6,660 |
| Total domestic deposits to total assets | 80.5388% | 5,587 |
| Equity capital to assets | 18.0382% | 385 |
| Core capital (leverage) ratio | 18.8594% | 269 |
| Tier 1 risk-based capital ratio | 40.3078% | 245 |
| Total risk-based capital ratio | 41.5718% | 237 |
| Memoranda: | ||
| Average total assets | $192,755,250 | 3,165 |
| Average earning assets | $180,336,500 | 3,105 |
| Average equity | $33,908,750 | 1,975 |
| Average total loans | $80,869,750 | 4,148 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3614% | 5,821 |
| Cost of funding earning assets | 0.5082% | 6,822 |
| Net interest margin | 3.8532% | 3,521 |
| Noninterest income to average assets | 0.4745% | 4,066 |
| Noninterest expense to average assets | 3.7390% | 1,467 |
| Loan and lease loss provision to assets | 0.1956% | 3,973 |
| Net operating income to assets | 0.1208% | 5,964 |
| Return on assets (ROA) | 0.1311% | 6,026 |
| Pretax return on assets | 0.1582% | 6,005 |
| Return on Equity (ROE) | 0.7518% | 6,135 |
| Retained earnings to average equity (ytd only) | -0.4236% | 5,936 |
| Net charge-offs to loans | 1.9443% | 697 |
| Credit loss provision to net charge-offs | 23.5589% | 5,083 |
| Earnings coverage of net charge-offs (x) | 0.4110% | 4,994 |
| Efficiency ratio | 91.6348% | 1,119 |
| Assets per employee ($millions) | 2.5778% | 6,826 |
| Cash dividends to net income (ytd only)* | 156.3492% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6990% | 1,182 |
| Loan loss allowance to noncurrent loans | 61.7426% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.8279% | 3,472 |
| Noncurrent loans to loans | 4.3714% | 1,540 |
| Net loans and leases to total assets | 39.9044% | 6,754 |
| Net loans and leases to deposits | 49.3340% | 6,648 |
| Net loans and leases to core deposits | 52.3339% | 6,643 |
| Total domestic deposits to total assets | 80.8862% | 5,566 |
| Equity capital to assets | 17.7477% | 407 |
| Core capital (leverage) ratio | 18.6243% | 293 |
| Tier 1 risk-based capital ratio | 39.6862% | 251 |
| Total risk-based capital ratio | 40.9492% | 246 |
| Memoranda: | ||
| Average total assets | $192,191,000 | 3,195 |
| Average earning assets | $179,851,670 | 3,138 |
| Average equity | $33,520,000 | 1,979 |
| Average total loans | $82,086,000 | 4,153 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 5,918 |
| Cost of funding earning assets | 0.5289% | 6,869 |
| Net interest margin | 3.8003% | 3,615 |
| Noninterest income to average assets | 0.4780% | 4,065 |
| Noninterest expense to average assets | 3.8117% | 1,317 |
| Loan and lease loss provision to assets | 0.1941% | 3,686 |
| Net operating income to assets | 0.0146% | 6,320 |
| Return on assets (ROA) | 0.0146% | 6,356 |
| Pretax return on assets | 0.0271% | 6,309 |
| Return on Equity (ROE) | 0.0845% | 6,363 |
| Retained earnings to average equity (ytd only) | -1.5095% | 6,074 |
| Net charge-offs to loans | 0.8049% | 1,617 |
| Credit loss provision to net charge-offs | 55.3571% | 3,647 |
| Earnings coverage of net charge-offs (x) | 0.6310% | 4,153 |
| Efficiency ratio | 94.5135% | 1,012 |
| Assets per employee ($millions) | 2.5689% | 6,884 |
| Cash dividends to net income (ytd only)* | 1,885.7143% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2572% | 741 |
| Loan loss allowance to noncurrent loans | 64.9903% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 2.1866% | 3,081 |
| Noncurrent loans to loans | 5.0118% | 1,344 |
| Net loans and leases to total assets | 41.2371% | 6,690 |
| Net loans and leases to deposits | 50.6338% | 6,577 |
| Net loans and leases to core deposits | 53.6918% | 6,573 |
| Total domestic deposits to total assets | 81.4419% | 5,517 |
| Equity capital to assets | 17.2346% | 422 |
| Core capital (leverage) ratio | 18.7706% | 280 |
| Tier 1 risk-based capital ratio | 38.8295% | 257 |
| Total risk-based capital ratio | 40.0994% | 248 |
| Memoranda: | ||
| Average total assets | $191,620,500 | 3,225 |
| Average earning assets | $179,247,000 | 3,159 |
| Average equity | $33,124,000 | 1,987 |
| Average total loans | $83,485,000 | 4,147 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 5,336 |
| Cost of funding earning assets | 0.6696% | 6,964 |
| Net interest margin | 4.1530% | 2,356 |
| Noninterest income to average assets | 0.5463% | 3,846 |
| Noninterest expense to average assets | 3.8385% | 1,419 |
| Loan and lease loss provision to assets | 1.1616% | 1,360 |
| Net operating income to assets | -0.5345% | 6,408 |
| Return on assets (ROA) | 0.2029% | 5,429 |
| Pretax return on assets | 0.1699% | 5,555 |
| Return on Equity (ROE) | 1.1498% | 5,657 |
| Retained earnings to average equity (ytd only) | -0.7704% | 5,761 |
| Net charge-offs to loans | 1.2079% | 1,857 |
| Credit loss provision to net charge-offs | 212.8302% | 1,432 |
| Earnings coverage of net charge-offs (x) | 1.0887% | 5,024 |
| Efficiency ratio | 86.5954% | 1,616 |
| Assets per employee ($millions) | 2.4432% | 7,081 |
| Cash dividends to net income (ytd only)* | 167.0051% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2413% | 712 |
| Loan loss allowance to noncurrent loans | 42.8216% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 3.4685% | 2,007 |
| Noncurrent loans to loans | 7.5693% | 711 |
| Net loans and leases to total assets | 43.0776% | 6,781 |
| Net loans and leases to deposits | 53.0872% | 6,668 |
| Net loans and leases to core deposits | 56.2369% | 6,679 |
| Total domestic deposits to total assets | 81.1450% | 5,479 |
| Equity capital to assets | 17.3385% | 421 |
| Core capital (leverage) ratio | 18.5915% | 299 |
| Tier 1 risk-based capital ratio | 38.3244% | 271 |
| Total risk-based capital ratio | 39.5945% | 262 |
| Memoranda: | ||
| Average total assets | $194,217,400 | 3,174 |
| Average earning assets | $181,747,600 | 3,105 |
| Average equity | $34,267,400 | 1,931 |
| Average total loans | $87,756,000 | 4,110 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 5,056 |
| Cost of funding earning assets | 0.6961% | 7,073 |
| Net interest margin | 4.2494% | 2,037 |
| Noninterest income to average assets | 0.5569% | 3,732 |
| Noninterest expense to average assets | 3.9153% | 1,179 |
| Loan and lease loss provision to assets | 1.2019% | 1,192 |
| Net operating income to assets | -0.4713% | 6,573 |
| Return on assets (ROA) | 0.2754% | 5,419 |
| Pretax return on assets | 0.3444% | 5,389 |
| Return on Equity (ROE) | 1.5541% | 5,753 |
| Retained earnings to average equity (ytd only) | 0.0309% | 5,762 |
| Net charge-offs to loans | 1.1482% | 1,775 |
| Credit loss provision to net charge-offs | 230.8399% | 1,484 |
| Earnings coverage of net charge-offs (x) | 1.1772% | 4,888 |
| Efficiency ratio | 86.4645% | 1,581 |
| Assets per employee ($millions) | 2.4899% | 7,094 |
| Cash dividends to net income (ytd only)* | 98.0142% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9301% | 874 |
| Loan loss allowance to noncurrent loans | 46.5766% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 3.1358% | 2,304 |
| Noncurrent loans to loans | 6.2910% | 963 |
| Net loans and leases to total assets | 43.5145% | 6,873 |
| Net loans and leases to deposits | 54.8713% | 6,699 |
| Net loans and leases to core deposits | 57.9332% | 6,731 |
| Total domestic deposits to total assets | 79.3029% | 5,933 |
| Equity capital to assets | 17.9367% | 415 |
| Core capital (leverage) ratio | 18.8341% | 308 |
| Tier 1 risk-based capital ratio | 38.3260% | 281 |
| Total risk-based capital ratio | 39.5942% | 277 |
| Memoranda: | ||
| Average total assets | $195,129,250 | 3,203 |
| Average earning assets | $182,356,750 | 3,145 |
| Average equity | $34,573,750 | 1,941 |
| Average total loans | $88,484,250 | 4,158 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1297% | 4,302 |
| Cost of funding earning assets | 0.7331% | 7,115 |
| Net interest margin | 4.3966% | 1,455 |
| Noninterest income to average assets | 0.5270% | 3,901 |
| Noninterest expense to average assets | 3.9399% | 1,119 |
| Loan and lease loss provision to assets | 1.7008% | 739 |
| Net operating income to assets | -0.7948% | 6,862 |
| Return on assets (ROA) | 0.2998% | 5,336 |
| Pretax return on assets | 0.3776% | 5,282 |
| Return on Equity (ROE) | 1.6992% | 5,735 |
| Retained earnings to average equity (ytd only) | 0.1740% | 5,677 |
| Net charge-offs to loans | 1.3737% | 1,385 |
| Credit loss provision to net charge-offs | 272.0131% | 1,385 |
| Earnings coverage of net charge-offs (x) | 1.1080% | 4,685 |
| Efficiency ratio | 85.0453% | 1,814 |
| Assets per employee ($millions) | 2.4246% | 7,201 |
| Cash dividends to net income (ytd only)* | 89.7611% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9612% | 851 |
| Loan loss allowance to noncurrent loans | 47.9919% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 3.1943% | 2,221 |
| Noncurrent loans to loans | 6.1703% | 1,019 |
| Net loans and leases to total assets | 44.0096% | 6,921 |
| Net loans and leases to deposits | 55.0458% | 6,792 |
| Net loans and leases to core deposits | 57.8867% | 6,834 |
| Total domestic deposits to total assets | 79.9509% | 5,743 |
| Equity capital to assets | 17.7528% | 444 |
| Core capital (leverage) ratio | 18.7692% | 305 |
| Tier 1 risk-based capital ratio | 38.0670% | 279 |
| Total risk-based capital ratio | 39.3352% | 277 |
| Memoranda: | ||
| Average total assets | $195,435,330 | 3,230 |
| Average earning assets | $182,504,670 | 3,166 |
| Average equity | $34,486,670 | 1,937 |
| Average total loans | $88,958,670 | 4,177 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1774% | 4,149 |
| Cost of funding earning assets | 0.7837% | 7,141 |
| Net interest margin | 4.3937% | 1,410 |
| Noninterest income to average assets | 0.4588% | 4,389 |
| Noninterest expense to average assets | 3.9476% | 1,104 |
| Loan and lease loss provision to assets | 0.6240% | 2,033 |
| Net operating income to assets | -0.0169% | 6,331 |
| Return on assets (ROA) | 0.2325% | 5,684 |
| Pretax return on assets | 0.2875% | 5,645 |
| Return on Equity (ROE) | 1.3213% | 6,021 |
| Retained earnings to average equity (ytd only) | -0.2086% | 5,877 |
| Net charge-offs to loans | 1.0151% | 1,620 |
| Credit loss provision to net charge-offs | 134.8018% | 2,619 |
| Earnings coverage of net charge-offs (x) | 1.3040% | 3,969 |
| Efficiency ratio | 86.7384% | 1,713 |
| Assets per employee ($millions) | 2.5801% | 7,077 |
| Cash dividends to net income (ytd only)* | 115.7895% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8367% | 2,620 |
| Loan loss allowance to noncurrent loans | 26.5184% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 3.4356% | 2,051 |
| Noncurrent loans to loans | 6.9263% | 867 |
| Net loans and leases to total assets | 44.5074% | 6,953 |
| Net loans and leases to deposits | 55.4468% | 6,814 |
| Net loans and leases to core deposits | 58.2517% | 6,864 |
| Total domestic deposits to total assets | 80.2704% | 5,698 |
| Equity capital to assets | 17.6943% | 451 |
| Core capital (leverage) ratio | 18.7800% | 321 |
| Tier 1 risk-based capital ratio | 36.9302% | 311 |
| Total risk-based capital ratio | 38.1854% | 303 |
| Memoranda: | ||
| Average total assets | $196,168,500 | 3,274 |
| Average earning assets | $182,717,500 | 3,225 |
| Average equity | $34,512,500 | 1,956 |
| Average total loans | $89,453,000 | 4,209 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7130% | 3,041 |
| Cost of funding earning assets | 1.0579% | 7,080 |
| Net interest margin | 4.6551% | 895 |
| Noninterest income to average assets | 0.6482% | 3,308 |
| Noninterest expense to average assets | 3.8512% | 1,599 |
| Loan and lease loss provision to assets | 0.6493% | 3,205 |
| Net operating income to assets | 0.4124% | 4,079 |
| Return on assets (ROA) | 0.4680% | 3,980 |
| Pretax return on assets | 0.5108% | 4,155 |
| Return on Equity (ROE) | 2.6785% | 4,634 |
| Retained earnings to average equity (ytd only) | 0.7332% | 4,495 |
| Net charge-offs to loans | 0.9553% | 2,493 |
| Credit loss provision to net charge-offs | 144.8157% | 3,293 |
| Earnings coverage of net charge-offs (x) | 2.4528% | 3,896 |
| Efficiency ratio | 77.7882% | 3,229 |
| Assets per employee ($millions) | 2.5822% | 7,068 |
| Cash dividends to net income (ytd only)* | 72.6269% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7267% | 2,800 |
| Loan loss allowance to noncurrent loans | 36.0056% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 2.5122% | 2,785 |
| Noncurrent loans to loans | 4.7957% | 1,442 |
| Net loans and leases to total assets | 45.0679% | 7,049 |
| Net loans and leases to deposits | 55.9815% | 6,920 |
| Net loans and leases to core deposits | 65.2824% | 7,017 |
| Total domestic deposits to total assets | 80.5051% | 5,513 |
| Equity capital to assets | 17.4923% | 504 |
| Core capital (leverage) ratio | 18.7183% | 352 |
| Tier 1 risk-based capital ratio | 36.0956% | 320 |
| Total risk-based capital ratio | 37.3496% | 317 |
| Memoranda: | ||
| Average total assets | $193,601,400 | 3,252 |
| Average earning assets | $178,943,600 | 3,228 |
| Average equity | $33,824,400 | 1,980 |
| Average total loans | $90,865,000 | 4,193 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7783% | 2,994 |
| Cost of funding earning assets | 1.1146% | 7,147 |
| Net interest margin | 4.6637% | 887 |
| Noninterest income to average assets | 0.6323% | 3,478 |
| Noninterest expense to average assets | 4.0074% | 1,264 |
| Loan and lease loss provision to assets | 0.5369% | 3,239 |
| Net operating income to assets | 0.3932% | 4,423 |
| Return on assets (ROA) | 0.4734% | 4,206 |
| Pretax return on assets | 0.4734% | 4,602 |
| Return on Equity (ROE) | 2.7102% | 4,911 |
| Retained earnings to average equity (ytd only) | 1.1474% | 4,681 |
| Net charge-offs to loans | 0.4728% | 3,331 |
| Credit loss provision to net charge-offs | 240.5573% | 1,817 |
| Earnings coverage of net charge-offs (x) | 4.1671% | 3,234 |
| Efficiency ratio | 81.1617% | 2,692 |
| Assets per employee ($millions) | 2.5122% | 7,215 |
| Cash dividends to net income (ytd only)* | 57.6639% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7786% | 2,350 |
| Loan loss allowance to noncurrent loans | 41.3327% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 2.4008% | 2,870 |
| Noncurrent loans to loans | 4.3032% | 1,666 |
| Net loans and leases to total assets | 46.2202% | 7,095 |
| Net loans and leases to deposits | 58.6422% | 6,926 |
| Net loans and leases to core deposits | 68.5805% | 7,039 |
| Total domestic deposits to total assets | 78.8174% | 5,863 |
| Equity capital to assets | 17.7546% | 535 |
| Core capital (leverage) ratio | 19.0870% | 373 |
| Tier 1 risk-based capital ratio | 36.4203% | 350 |
| Total risk-based capital ratio | 37.6750% | 338 |
| Memoranda: | ||
| Average total assets | $192,940,250 | 3,282 |
| Average earning assets | $178,110,000 | 3,262 |
| Average equity | $33,698,500 | 2,011 |
| Average total loans | $91,081,750 | 4,216 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8607% | 2,759 |
| Cost of funding earning assets | 1.1841% | 7,151 |
| Net interest margin | 4.6766% | 836 |
| Noninterest income to average assets | 0.6100% | 3,606 |
| Noninterest expense to average assets | 4.0036% | 1,312 |
| Loan and lease loss provision to assets | 0.4430% | 3,329 |
| Net operating income to assets | 0.4700% | 4,216 |
| Return on assets (ROA) | 0.5011% | 4,206 |
| Pretax return on assets | 0.5011% | 4,612 |
| Return on Equity (ROE) | 2.8850% | 4,946 |
| Retained earnings to average equity (ytd only) | 1.3141% | 4,607 |
| Net charge-offs to loans | 0.4610% | 2,982 |
| Credit loss provision to net charge-offs | 203.3333% | 2,242 |
| Earnings coverage of net charge-offs (x) | 4.1905% | 3,180 |
| Efficiency ratio | 81.4307% | 2,806 |
| Assets per employee ($millions) | 2.4713% | 7,304 |
| Cash dividends to net income (ytd only)* | 54.4513% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 3,104 |
| Loan loss allowance to noncurrent loans | 50.6227% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 1.7384% | 3,575 |
| Noncurrent loans to loans | 2.9936% | 2,419 |
| Net loans and leases to total assets | 46.0025% | 7,191 |
| Net loans and leases to deposits | 58.0101% | 7,027 |
| Net loans and leases to core deposits | 67.5093% | 7,146 |
| Total domestic deposits to total assets | 79.3008% | 5,719 |
| Equity capital to assets | 17.0733% | 654 |
| Core capital (leverage) ratio | 18.8780% | 432 |
| Tier 1 risk-based capital ratio | 36.0392% | 393 |
| Total risk-based capital ratio | 37.2901% | 390 |
| Memoranda: | ||
| Average total assets | $192,774,670 | 3,311 |
| Average earning assets | $177,522,330 | 3,292 |
| Average equity | $33,483,330 | 2,030 |
| Average total loans | $91,100,330 | 4,254 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8927% | 2,832 |
| Cost of funding earning assets | 1.2553% | 7,159 |
| Net interest margin | 4.6374% | 884 |
| Noninterest income to average assets | 0.5179% | 4,156 |
| Noninterest expense to average assets | 3.9698% | 1,218 |
| Loan and lease loss provision to assets | 0.7748% | 1,659 |
| Net operating income to assets | 0.0397% | 6,162 |
| Return on assets (ROA) | 0.0543% | 6,265 |
| Pretax return on assets | 0.0543% | 6,270 |
| Return on Equity (ROE) | 0.3099% | 6,333 |
| Retained earnings to average equity (ytd only) | -1.2635% | 5,948 |
| Net charge-offs to loans | 0.2197% | 3,321 |
| Credit loss provision to net charge-offs | 742.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 7.8000% | 2,297 |
| Efficiency ratio | 82.9769% | 2,411 |
| Assets per employee ($millions) | 2.3641% | 7,507 |
| Cash dividends to net income (ytd only)* | 507.6923% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 2,381 |
| Loan loss allowance to noncurrent loans | 44.7995% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 2.0790% | 2,773 |
| Noncurrent loans to loans | 3.6509% | 1,720 |
| Net loans and leases to total assets | 46.6700% | 7,139 |
| Net loans and leases to deposits | 58.2263% | 7,019 |
| Net loans and leases to core deposits | 67.5082% | 7,164 |
| Total domestic deposits to total assets | 80.1529% | 5,308 |
| Equity capital to assets | 17.5660% | 660 |
| Core capital (leverage) ratio | 19.1032% | 442 |
| Tier 1 risk-based capital ratio | 36.5035% | 392 |
| Total risk-based capital ratio | 37.7568% | 386 |
| Memoranda: | ||
| Average total assets | $191,544,500 | 3,340 |
| Average earning assets | $176,218,500 | 3,336 |
| Average equity | $33,558,500 | 2,021 |
| Average total loans | $91,053,000 | 4,279 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2802% | 4,069 |
| Cost of funding earning assets | 1.6861% | 7,292 |
| Net interest margin | 4.5941% | 1,198 |
| Noninterest income to average assets | 0.7424% | 2,830 |
| Noninterest expense to average assets | 3.5045% | 2,382 |
| Loan and lease loss provision to assets | 0.8846% | 1,690 |
| Net operating income to assets | 0.5018% | 4,726 |
| Return on assets (ROA) | 0.5289% | 4,475 |
| Pretax return on assets | 0.6087% | 4,666 |
| Return on Equity (ROE) | 2.8959% | 5,276 |
| Retained earnings to average equity (ytd only) | 0.6133% | 4,874 |
| Net charge-offs to loans | 1.6551% | 676 |
| Credit loss provision to net charge-offs | 110.2041% | 4,894 |
| Earnings coverage of net charge-offs (x) | 1.8216% | 5,164 |
| Efficiency ratio | 70.5607% | 4,238 |
| Assets per employee ($millions) | 2.2810% | 7,591 |
| Cash dividends to net income (ytd only)* | 78.8212% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 3,952 |
| Loan loss allowance to noncurrent loans | 34.4981% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 2.1049% | 2,330 |
| Noncurrent loans to loans | 3.7007% | 1,359 |
| Net loans and leases to total assets | 47.0183% | 7,253 |
| Net loans and leases to deposits | 58.6103% | 7,171 |
| Net loans and leases to core deposits | 67.7269% | 7,302 |
| Total domestic deposits to total assets | 80.2218% | 4,936 |
| Equity capital to assets | 17.4739% | 720 |
| Core capital (leverage) ratio | 19.2788% | 491 |
| Tier 1 risk-based capital ratio | 36.1212% | 417 |
| Total risk-based capital ratio | 37.2819% | 414 |
| Memoranda: | ||
| Average total assets | $189,243,200 | 3,279 |
| Average earning assets | $174,006,800 | 3,266 |
| Average equity | $34,565,600 | 1,967 |
| Average total loans | $91,779,600 | 4,164 |