Home > First Peoples Bank, Inc. > Performance and Condition Ratios
First Peoples Bank, Inc., Performance and Condition Ratios
| 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 | 2.7246% | 5,311 |
| Cost of funding earning assets | 0.3415% | 4,337 |
| Net interest margin | 2.3832% | 5,255 |
| Noninterest income to average assets | 0.3733% | 3,594 |
| Noninterest expense to average assets | 2.6035% | 3,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0166% | 5,227 |
| Return on assets (ROA) | 0.0166% | 5,224 |
| Pretax return on assets | 0.0708% | 5,199 |
| Return on Equity (ROE) | 0.1135% | 5,222 |
| Retained earnings to average equity (ytd only) | -2.0835% | 5,130 |
| Net charge-offs to loans | -0.0117% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3543% | 182 |
| Assets per employee ($millions) | 7.0043% | 974 |
| Cash dividends to net income (ytd only)* | 1,936.3636% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 3,886 |
| Loan loss allowance to noncurrent loans | 243.4524% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 4,190 |
| Noncurrent loans to loans | 0.3963% | 3,111 |
| Net loans and leases to total assets | 31.5470% | 5,180 |
| Net loans and leases to deposits | 37.1702% | 5,174 |
| Net loans and leases to core deposits | 38.3099% | 5,184 |
| Total domestic deposits to total assets | 84.8716% | 2,697 |
| Equity capital to assets | 14.0636% | 950 |
| Core capital (leverage) ratio | 14.6747% | 762 |
| Tier 1 risk-based capital ratio | 45.9561% | 166 |
| Total risk-based capital ratio | 46.9058% | 165 |
| Memoranda: | ||
| Average total assets | $132,861,000 | 3,609 |
| Average earning assets | $128,274,400 | 3,522 |
| Average equity | $19,390,200 | 3,149 |
| Average total loans | $42,810,600 | 4,476 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6928% | 5,381 |
| Cost of funding earning assets | 0.3249% | 4,351 |
| Net interest margin | 2.3679% | 5,330 |
| Noninterest income to average assets | 0.3634% | 3,705 |
| Noninterest expense to average assets | 1.7509% | 5,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7459% | 4,092 |
| Return on assets (ROA) | 0.7459% | 4,103 |
| Pretax return on assets | 0.8955% | 4,036 |
| Return on Equity (ROE) | 5.0649% | 4,538 |
| Retained earnings to average equity (ytd only) | 2.8767% | 4,280 |
| Net charge-offs to loans | -0.0155% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1608% | 2,844 |
| Assets per employee ($millions) | 6.7227% | 1,068 |
| Cash dividends to net income (ytd only)* | 43.2034% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 4,011 |
| Loan loss allowance to noncurrent loans | 1,363.3333% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 4,879 |
| Noncurrent loans to loans | 0.0704% | 4,562 |
| Net loans and leases to total assets | 31.3877% | 5,253 |
| Net loans and leases to deposits | 36.7277% | 5,262 |
| Net loans and leases to core deposits | 37.7481% | 5,274 |
| Total domestic deposits to total assets | 85.4605% | 2,422 |
| Equity capital to assets | 14.4295% | 846 |
| Core capital (leverage) ratio | 15.4648% | 603 |
| Tier 1 risk-based capital ratio | 47.4752% | 156 |
| Total risk-based capital ratio | 48.4170% | 155 |
| Memoranda: | ||
| Average total assets | $132,806,000 | 3,644 |
| Average earning assets | $128,041,750 | 3,559 |
| Average equity | $19,558,750 | 3,149 |
| Average total loans | $42,915,250 | 4,527 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6630% | 5,442 |
| Cost of funding earning assets | 0.3168% | 4,294 |
| Net interest margin | 2.3462% | 5,402 |
| Noninterest income to average assets | 0.3599% | 3,745 |
| Noninterest expense to average assets | 1.6498% | 5,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8196% | 3,788 |
| Return on assets (ROA) | 0.8196% | 3,796 |
| Pretax return on assets | 0.9724% | 3,743 |
| Return on Equity (ROE) | 5.5274% | 4,398 |
| Retained earnings to average equity (ytd only) | 3.3246% | 3,916 |
| Net charge-offs to loans | -0.0186% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9181% | 3,499 |
| Assets per employee ($millions) | 6.7352% | 1,056 |
| Cash dividends to net income (ytd only)* | 39.8524% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 4,150 |
| Loan loss allowance to noncurrent loans | 176.6234% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 4,128 |
| Noncurrent loans to loans | 0.5334% | 2,816 |
| Net loans and leases to total assets | 31.8449% | 5,291 |
| Net loans and leases to deposits | 37.3246% | 5,296 |
| Net loans and leases to core deposits | 38.6778% | 5,309 |
| Total domestic deposits to total assets | 85.3188% | 2,560 |
| Equity capital to assets | 14.6159% | 780 |
| Core capital (leverage) ratio | 15.3859% | 596 |
| Tier 1 risk-based capital ratio | 47.2660% | 155 |
| Total risk-based capital ratio | 48.2057% | 154 |
| Memoranda: | ||
| Average total assets | $132,256,670 | 3,671 |
| Average earning assets | $127,523,330 | 3,596 |
| Average equity | $19,611,330 | 3,162 |
| Average total loans | $43,016,670 | 4,566 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6360% | 5,498 |
| Cost of funding earning assets | 0.3137% | 4,238 |
| Net interest margin | 2.3223% | 5,465 |
| Noninterest income to average assets | 0.3511% | 3,800 |
| Noninterest expense to average assets | 1.6454% | 5,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7540% | 3,894 |
| Return on assets (ROA) | 0.7540% | 3,895 |
| Pretax return on assets | 0.9433% | 3,722 |
| Return on Equity (ROE) | 5.0478% | 4,471 |
| Retained earnings to average equity (ytd only) | 2.7998% | 4,071 |
| Net charge-offs to loans | -0.0280% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5613% | 3,549 |
| Assets per employee ($millions) | 6.5523% | 1,174 |
| Cash dividends to net income (ytd only)* | 44.5344% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 4,195 |
| Loan loss allowance to noncurrent loans | 1,275.0000% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 4,801 |
| Noncurrent loans to loans | 0.0749% | 4,649 |
| Net loans and leases to total assets | 32.2986% | 5,316 |
| Net loans and leases to deposits | 37.9854% | 5,319 |
| Net loans and leases to core deposits | 39.5035% | 5,317 |
| Total domestic deposits to total assets | 85.0289% | 2,923 |
| Equity capital to assets | 14.8818% | 702 |
| Core capital (leverage) ratio | 15.7443% | 524 |
| Tier 1 risk-based capital ratio | 46.9313% | 151 |
| Total risk-based capital ratio | 47.8731% | 152 |
| Memoranda: | ||
| Average total assets | $131,033,500 | 3,733 |
| Average earning assets | $126,252,000 | 3,641 |
| Average equity | $19,573,000 | 3,192 |
| Average total loans | $42,873,000 | 4,614 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5488% | 5,539 |
| Cost of funding earning assets | 0.3190% | 3,962 |
| Net interest margin | 2.2298% | 5,527 |
| Noninterest income to average assets | 0.4061% | 3,596 |
| Noninterest expense to average assets | 1.8003% | 5,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5412% | 4,255 |
| Return on assets (ROA) | 0.5973% | 4,066 |
| Pretax return on assets | 0.8331% | 4,146 |
| Return on Equity (ROE) | 3.9362% | 4,521 |
| Retained earnings to average equity (ytd only) | 2.1687% | 4,023 |
| Net charge-offs to loans | 0.0677% | 2,489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 33.7931% | 1,421 |
| Efficiency ratio | 70.4463% | 2,480 |
| Assets per employee ($millions) | 6.5511% | 1,183 |
| Cash dividends to net income (ytd only)* | 44.9032% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 4,276 |
| Loan loss allowance to noncurrent loans | 381.1321% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 4,557 |
| Noncurrent loans to loans | 0.2464% | 3,911 |
| Net loans and leases to total assets | 32.5200% | 5,382 |
| Net loans and leases to deposits | 38.2969% | 5,384 |
| Net loans and leases to core deposits | 39.7411% | 5,392 |
| Total domestic deposits to total assets | 84.9154% | 2,871 |
| Equity capital to assets | 14.9930% | 678 |
| Core capital (leverage) ratio | 15.4926% | 545 |
| Tier 1 risk-based capital ratio | 46.6420% | 144 |
| Total risk-based capital ratio | 47.5751% | 146 |
| Memoranda: | ||
| Average total assets | $129,758,800 | 3,749 |
| Average earning assets | $125,078,000 | 3,665 |
| Average equity | $19,689,000 | 3,179 |
| Average total loans | $42,807,600 | 4,650 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5328% | 5,605 |
| Cost of funding earning assets | 0.3185% | 3,947 |
| Net interest margin | 2.2144% | 5,599 |
| Noninterest income to average assets | 0.4027% | 3,665 |
| Noninterest expense to average assets | 1.8015% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5034% | 4,721 |
| Return on assets (ROA) | 0.5706% | 4,543 |
| Pretax return on assets | 0.8343% | 4,258 |
| Return on Equity (ROE) | 3.7494% | 4,932 |
| Retained earnings to average equity (ytd only) | 1.9830% | 4,647 |
| Net charge-offs to loans | 0.0530% | 2,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 41.9929% | 1,253 |
| Efficiency ratio | 71.0110% | 2,363 |
| Assets per employee ($millions) | 6.5249% | 1,168 |
| Cash dividends to net income (ytd only)* | 47.1116% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 4,194 |
| Loan loss allowance to noncurrent loans | 281.0811% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 4,516 |
| Noncurrent loans to loans | 0.3481% | 3,700 |
| Net loans and leases to total assets | 32.2628% | 5,447 |
| Net loans and leases to deposits | 38.1300% | 5,457 |
| Net loans and leases to core deposits | 39.8000% | 5,463 |
| Total domestic deposits to total assets | 84.6127% | 2,880 |
| Equity capital to assets | 15.2762% | 680 |
| Core capital (leverage) ratio | 15.2876% | 610 |
| Tier 1 risk-based capital ratio | 52.3990% | 115 |
| Total risk-based capital ratio | 53.5091% | 115 |
| Memoranda: | ||
| Average total assets | $129,443,250 | 3,794 |
| Average earning assets | $124,757,500 | 3,699 |
| Average equity | $19,700,250 | 3,198 |
| Average total loans | $42,756,500 | 4,694 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5115% | 5,659 |
| Cost of funding earning assets | 0.3184% | 3,893 |
| Net interest margin | 2.1931% | 5,648 |
| Noninterest income to average assets | 0.4044% | 3,666 |
| Noninterest expense to average assets | 1.8622% | 5,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4531% | 4,850 |
| Return on assets (ROA) | 0.5546% | 4,547 |
| Pretax return on assets | 0.8025% | 4,266 |
| Return on Equity (ROE) | 3.6490% | 4,937 |
| Retained earnings to average equity (ytd only) | 1.8754% | 4,496 |
| Net charge-offs to loans | 0.0794% | 1,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 24.8824% | 1,626 |
| Efficiency ratio | 73.9692% | 2,022 |
| Assets per employee ($millions) | 6.4988% | 1,157 |
| Cash dividends to net income (ytd only)* | 48.6034% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 4,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 5,071 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 32.4452% | 5,491 |
| Net loans and leases to deposits | 38.3216% | 5,496 |
| Net loans and leases to core deposits | 40.0435% | 5,498 |
| Total domestic deposits to total assets | 84.6656% | 2,954 |
| Equity capital to assets | 15.2713% | 663 |
| Core capital (leverage) ratio | 15.0838% | 609 |
| Tier 1 risk-based capital ratio | 52.4422% | 105 |
| Total risk-based capital ratio | 53.5575% | 105 |
| Memoranda: | ||
| Average total assets | $129,092,000 | 3,822 |
| Average earning assets | $124,388,000 | 3,730 |
| Average equity | $19,622,000 | 3,196 |
| Average total loans | $42,836,000 | 4,720 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4733% | 5,730 |
| Cost of funding earning assets | 0.3136% | 3,915 |
| Net interest margin | 2.1597% | 5,719 |
| Noninterest income to average assets | 0.4042% | 3,628 |
| Noninterest expense to average assets | 1.8624% | 5,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4302% | 4,859 |
| Return on assets (ROA) | 0.6125% | 4,158 |
| Pretax return on assets | 0.8830% | 3,825 |
| Return on Equity (ROE) | 4.0393% | 4,770 |
| Retained earnings to average equity (ytd only) | 2.2554% | 4,238 |
| Net charge-offs to loans | 0.1397% | 1,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 13.2667% | 1,796 |
| Efficiency ratio | 75.0627% | 2,063 |
| Assets per employee ($millions) | 7.1926% | 865 |
| Cash dividends to net income (ytd only)* | 44.1624% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 4,452 |
| Loan loss allowance to noncurrent loans | 131.8612% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 3,359 |
| Noncurrent loans to loans | 0.7346% | 2,660 |
| Net loans and leases to total assets | 33.0076% | 5,500 |
| Net loans and leases to deposits | 38.9571% | 5,507 |
| Net loans and leases to core deposits | 40.7188% | 5,500 |
| Total domestic deposits to total assets | 84.7282% | 3,200 |
| Equity capital to assets | 15.1598% | 628 |
| Core capital (leverage) ratio | 14.9758% | 608 |
| Tier 1 risk-based capital ratio | 50.8331% | 121 |
| Total risk-based capital ratio | 51.9474% | 122 |
| Memoranda: | ||
| Average total assets | $128,650,000 | 3,867 |
| Average earning assets | $123,719,500 | 3,781 |
| Average equity | $19,508,500 | 3,224 |
| Average total loans | $42,960,500 | 4,752 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4806% | 5,763 |
| Cost of funding earning assets | 0.3119% | 3,929 |
| Net interest margin | 2.1687% | 5,765 |
| Noninterest income to average assets | 0.4018% | 3,874 |
| Noninterest expense to average assets | 1.7065% | 5,560 |
| Loan and lease loss provision to assets | 0.0509% | 3,368 |
| Net operating income to assets | 0.4933% | 4,660 |
| Return on assets (ROA) | 0.5263% | 4,616 |
| Pretax return on assets | 0.7784% | 4,243 |
| Return on Equity (ROE) | 3.3972% | 5,044 |
| Retained earnings to average equity (ytd only) | 1.6430% | 4,596 |
| Net charge-offs to loans | 0.0424% | 3,189 |
| Credit loss provision to net charge-offs | 361.1111% | 853 |
| Earnings coverage of net charge-offs (x) | 55.3889% | 948 |
| Efficiency ratio | 68.6083% | 3,148 |
| Assets per employee ($millions) | 7.1018% | 876 |
| Cash dividends to net income (ytd only)* | 51.6369% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 4,239 |
| Loan loss allowance to noncurrent loans | 101.6432% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 3,253 |
| Noncurrent loans to loans | 0.9960% | 2,100 |
| Net loans and leases to total assets | 33.1182% | 5,571 |
| Net loans and leases to deposits | 39.0770% | 5,574 |
| Net loans and leases to core deposits | 40.7708% | 5,580 |
| Total domestic deposits to total assets | 84.7512% | 3,154 |
| Equity capital to assets | 15.1682% | 615 |
| Core capital (leverage) ratio | 15.5959% | 518 |
| Tier 1 risk-based capital ratio | 52.6345% | 120 |
| Total risk-based capital ratio | 53.7633% | 119 |
| Memoranda: | ||
| Average total assets | $127,690,000 | 3,869 |
| Average earning assets | $122,794,000 | 3,780 |
| Average equity | $19,780,800 | 3,193 |
| Average total loans | $42,414,000 | 4,801 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4698% | 5,832 |
| Cost of funding earning assets | 0.3094% | 3,987 |
| Net interest margin | 2.1604% | 5,835 |
| Noninterest income to average assets | 0.3865% | 4,015 |
| Noninterest expense to average assets | 1.7338% | 5,589 |
| Loan and lease loss provision to assets | 0.0313% | 3,602 |
| Net operating income to assets | 0.4961% | 4,713 |
| Return on assets (ROA) | 0.5421% | 4,636 |
| Pretax return on assets | 0.7645% | 4,424 |
| Return on Equity (ROE) | 3.4810% | 5,089 |
| Retained earnings to average equity (ytd only) | 1.7439% | 4,808 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3390% | 2,840 |
| Assets per employee ($millions) | 7.2643% | 797 |
| Cash dividends to net income (ytd only)* | 49.9032% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 4,514 |
| Loan loss allowance to noncurrent loans | 109.7625% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 3,601 |
| Noncurrent loans to loans | 0.8925% | 2,474 |
| Net loans and leases to total assets | 32.1581% | 5,675 |
| Net loans and leases to deposits | 38.1214% | 5,675 |
| Net loans and leases to core deposits | 39.8901% | 5,684 |
| Total domestic deposits to total assets | 84.3572% | 3,078 |
| Equity capital to assets | 15.3606% | 657 |
| Core capital (leverage) ratio | 15.4251% | 567 |
| Tier 1 risk-based capital ratio | 53.6237% | 112 |
| Total risk-based capital ratio | 54.7416% | 114 |
| Memoranda: | ||
| Average total assets | $127,654,250 | 3,894 |
| Average earning assets | $122,816,000 | 3,800 |
| Average equity | $19,878,500 | 3,207 |
| Average total loans | $42,325,250 | 4,850 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4833% | 5,906 |
| Cost of funding earning assets | 0.3119% | 3,998 |
| Net interest margin | 2.1715% | 5,910 |
| Noninterest income to average assets | 0.3791% | 4,031 |
| Noninterest expense to average assets | 1.7596% | 5,636 |
| Loan and lease loss provision to assets | 0.0474% | 3,201 |
| Net operating income to assets | 0.4707% | 4,797 |
| Return on assets (ROA) | 0.5402% | 4,629 |
| Pretax return on assets | 0.7598% | 4,422 |
| Return on Equity (ROE) | 3.4529% | 5,112 |
| Retained earnings to average equity (ytd only) | 1.7365% | 4,694 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2732% | 2,774 |
| Assets per employee ($millions) | 7.2181% | 800 |
| Cash dividends to net income (ytd only)* | 49.7076% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 4,687 |
| Loan loss allowance to noncurrent loans | 184.0708% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 4,132 |
| Noncurrent loans to loans | 0.5257% | 3,505 |
| Net loans and leases to total assets | 32.7666% | 5,721 |
| Net loans and leases to deposits | 38.9119% | 5,725 |
| Net loans and leases to core deposits | 40.7321% | 5,721 |
| Total domestic deposits to total assets | 84.2070% | 3,192 |
| Equity capital to assets | 15.4666% | 634 |
| Core capital (leverage) ratio | 15.2498% | 564 |
| Tier 1 risk-based capital ratio | 53.5436% | 113 |
| Total risk-based capital ratio | 54.6798% | 112 |
| Memoranda: | ||
| Average total assets | $126,620,000 | 3,934 |
| Average earning assets | $121,852,000 | 3,847 |
| Average equity | $19,809,670 | 3,218 |
| Average total loans | $42,278,670 | 4,893 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4801% | 5,973 |
| Cost of funding earning assets | 0.3196% | 3,953 |
| Net interest margin | 2.1606% | 5,976 |
| Noninterest income to average assets | 0.3649% | 4,111 |
| Noninterest expense to average assets | 1.6900% | 5,757 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5315% | 4,496 |
| Return on assets (ROA) | 0.5633% | 4,455 |
| Pretax return on assets | 0.7970% | 4,204 |
| Return on Equity (ROE) | 3.5796% | 5,036 |
| Retained earnings to average equity (ytd only) | 1.9322% | 4,483 |
| Net charge-offs to loans | -0.0286% | 5,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2005% | 3,267 |
| Assets per employee ($millions) | 6.9200% | 923 |
| Cash dividends to net income (ytd only)* | 46.0227% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 5,011 |
| Loan loss allowance to noncurrent loans | 127.1242% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 3,864 |
| Noncurrent loans to loans | 0.7188% | 3,040 |
| Net loans and leases to total assets | 33.8648% | 5,722 |
| Net loans and leases to deposits | 40.4069% | 5,699 |
| Net loans and leases to core deposits | 42.2775% | 5,704 |
| Total domestic deposits to total assets | 83.8094% | 3,594 |
| Equity capital to assets | 15.9088% | 542 |
| Core capital (leverage) ratio | 15.8891% | 487 |
| Tier 1 risk-based capital ratio | 42.1916% | 206 |
| Total risk-based capital ratio | 43.0237% | 208 |
| Memoranda: | ||
| Average total assets | $124,967,500 | 3,992 |
| Average earning assets | $120,154,500 | 3,904 |
| Average equity | $19,667,000 | 3,239 |
| Average total loans | $41,924,000 | 4,939 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4530% | 6,013 |
| Cost of funding earning assets | 0.3311% | 3,895 |
| Net interest margin | 2.1219% | 6,019 |
| Noninterest income to average assets | 0.4081% | 3,975 |
| Noninterest expense to average assets | 1.7434% | 5,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4758% | 4,786 |
| Return on assets (ROA) | 0.4813% | 4,849 |
| Pretax return on assets | 0.7118% | 4,498 |
| Return on Equity (ROE) | 3.0969% | 5,270 |
| Retained earnings to average equity (ytd only) | 1.4114% | 4,921 |
| Net charge-offs to loans | 0.0025% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 876.0000% | 69 |
| Efficiency ratio | 71.2410% | 3,026 |
| Assets per employee ($millions) | 6.2688% | 1,223 |
| Cash dividends to net income (ytd only)* | 54.4240% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 4,939 |
| Loan loss allowance to noncurrent loans | 271.8310% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 4,401 |
| Noncurrent loans to loans | 0.3440% | 4,233 |
| Net loans and leases to total assets | 32.6150% | 5,820 |
| Net loans and leases to deposits | 38.6984% | 5,816 |
| Net loans and leases to core deposits | 40.5741% | 5,805 |
| Total domestic deposits to total assets | 84.2800% | 3,372 |
| Equity capital to assets | 15.5677% | 586 |
| Core capital (leverage) ratio | 15.3929% | 551 |
| Tier 1 risk-based capital ratio | 47.8394% | 141 |
| Total risk-based capital ratio | 48.7807% | 141 |
| Memoranda: | ||
| Average total assets | $124,466,200 | 4,000 |
| Average earning assets | $119,608,600 | 3,894 |
| Average equity | $19,342,200 | 3,239 |
| Average total loans | $40,360,800 | 5,000 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4415% | 6,109 |
| Cost of funding earning assets | 0.3317% | 3,967 |
| Net interest margin | 2.1098% | 6,098 |
| Noninterest income to average assets | 0.4014% | 4,074 |
| Noninterest expense to average assets | 1.7568% | 5,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4764% | 4,870 |
| Return on assets (ROA) | 0.4840% | 4,941 |
| Pretax return on assets | 0.6825% | 4,739 |
| Return on Equity (ROE) | 3.1159% | 5,343 |
| Retained earnings to average equity (ytd only) | 1.4301% | 5,145 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3376% | 2,822 |
| Assets per employee ($millions) | 5.8652% | 1,460 |
| Cash dividends to net income (ytd only)* | 54.1026% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 5,039 |
| Loan loss allowance to noncurrent loans | 967.5000% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 4,856 |
| Noncurrent loans to loans | 0.0968% | 5,247 |
| Net loans and leases to total assets | 33.2362% | 5,889 |
| Net loans and leases to deposits | 39.6166% | 5,879 |
| Net loans and leases to core deposits | 41.5824% | 5,865 |
| Total domestic deposits to total assets | 83.8946% | 3,473 |
| Equity capital to assets | 15.8626% | 581 |
| Core capital (leverage) ratio | 15.4015% | 572 |
| Tier 1 risk-based capital ratio | 48.3173% | 151 |
| Total risk-based capital ratio | 49.2778% | 154 |
| Memoranda: | ||
| Average total assets | $124,239,000 | 4,037 |
| Average earning assets | $119,376,750 | 3,931 |
| Average equity | $19,298,250 | 3,271 |
| Average total loans | $40,131,750 | 5,058 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3991% | 6,196 |
| Cost of funding earning assets | 0.3306% | 4,043 |
| Net interest margin | 2.0685% | 6,185 |
| Noninterest income to average assets | 0.3949% | 4,114 |
| Noninterest expense to average assets | 1.7561% | 5,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4445% | 4,986 |
| Return on assets (ROA) | 0.4559% | 5,051 |
| Pretax return on assets | 0.6437% | 4,841 |
| Return on Equity (ROE) | 2.9555% | 5,414 |
| Retained earnings to average equity (ytd only) | 1.2592% | 5,048 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6700% | 2,723 |
| Assets per employee ($millions) | 6.0688% | 1,303 |
| Cash dividends to net income (ytd only)* | 57.3944% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 5,131 |
| Loan loss allowance to noncurrent loans | 655.9322% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 4,940 |
| Noncurrent loans to loans | 0.1436% | 5,175 |
| Net loans and leases to total assets | 31.9372% | 5,982 |
| Net loans and leases to deposits | 37.6571% | 5,991 |
| Net loans and leases to core deposits | 39.4392% | 5,976 |
| Total domestic deposits to total assets | 84.8106% | 3,209 |
| Equity capital to assets | 15.0905% | 686 |
| Core capital (leverage) ratio | 14.8759% | 640 |
| Tier 1 risk-based capital ratio | 46.1422% | 182 |
| Total risk-based capital ratio | 47.0910% | 185 |
| Memoranda: | ||
| Average total assets | $124,595,330 | 4,059 |
| Average earning assets | $119,796,330 | 3,947 |
| Average equity | $19,218,330 | 3,296 |
| Average total loans | $39,734,330 | 5,124 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3751% | 6,267 |
| Cost of funding earning assets | 0.3378% | 4,004 |
| Net interest margin | 2.0372% | 6,261 |
| Noninterest income to average assets | 0.3865% | 4,113 |
| Noninterest expense to average assets | 1.7504% | 5,956 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4189% | 5,000 |
| Return on assets (ROA) | 0.4417% | 5,026 |
| Pretax return on assets | 0.6268% | 4,845 |
| Return on Equity (ROE) | 2.8316% | 5,439 |
| Retained earnings to average equity (ytd only) | 1.1451% | 5,024 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6537% | 2,709 |
| Assets per employee ($millions) | 5.9275% | 1,445 |
| Cash dividends to net income (ytd only)* | 59.5588% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9822% | 5,121 |
| Loan loss allowance to noncurrent loans | 691.0714% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 4,983 |
| Noncurrent loans to loans | 0.1421% | 5,268 |
| Net loans and leases to total assets | 31.3431% | 6,023 |
| Net loans and leases to deposits | 37.2472% | 6,014 |
| Net loans and leases to core deposits | 38.7904% | 6,014 |
| Total domestic deposits to total assets | 84.1489% | 3,759 |
| Equity capital to assets | 15.6005% | 606 |
| Core capital (leverage) ratio | 15.8469% | 483 |
| Tier 1 risk-based capital ratio | 38.4565% | 280 |
| Total risk-based capital ratio | 38.4565% | 300 |
| Memoranda: | ||
| Average total assets | $123,171,000 | 4,122 |
| Average earning assets | $118,396,500 | 4,007 |
| Average equity | $19,211,500 | 3,319 |
| Average total loans | $39,057,000 | 5,176 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4030% | 6,353 |
| Cost of funding earning assets | 0.3331% | 4,457 |
| Net interest margin | 2.0699% | 6,348 |
| Noninterest income to average assets | 0.4327% | 3,948 |
| Noninterest expense to average assets | 1.7423% | 6,124 |
| Loan and lease loss provision to assets | 0.0423% | 3,727 |
| Net operating income to assets | 0.4350% | 5,091 |
| Return on assets (ROA) | 0.4563% | 5,085 |
| Pretax return on assets | 0.6654% | 4,741 |
| Return on Equity (ROE) | 2.9656% | 5,494 |
| Retained earnings to average equity (ytd only) | 1.2476% | 5,220 |
| Net charge-offs to loans | 0.1011% | 3,061 |
| Credit loss provision to net charge-offs | 136.8421% | 1,729 |
| Earnings coverage of net charge-offs (x) | 21.8947% | 1,653 |
| Efficiency ratio | 72.0242% | 3,210 |
| Assets per employee ($millions) | 6.0933% | 1,319 |
| Cash dividends to net income (ytd only)* | 57.9323% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 5,067 |
| Loan loss allowance to noncurrent loans | 162.6050% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 5,246 |
| Noncurrent loans to loans | 0.6148% | 3,841 |
| Net loans and leases to total assets | 31.4487% | 6,133 |
| Net loans and leases to deposits | 37.2967% | 6,122 |
| Net loans and leases to core deposits | 38.9910% | 6,124 |
| Total domestic deposits to total assets | 84.3204% | 3,581 |
| Equity capital to assets | 15.5943% | 589 |
| Core capital (leverage) ratio | 15.4739% | 539 |
| Tier 1 risk-based capital ratio | 26.8011% | 697 |
| Total risk-based capital ratio | 27.3421% | 740 |
| Memoranda: | ||
| Average total assets | $122,940,000 | 4,124 |
| Average earning assets | $117,977,000 | 4,009 |
| Average equity | $18,917,000 | 3,295 |
| Average total loans | $37,590,600 | 5,277 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3772% | 6,443 |
| Cost of funding earning assets | 0.3285% | 4,578 |
| Net interest margin | 2.0487% | 6,436 |
| Noninterest income to average assets | 0.4339% | 3,992 |
| Noninterest expense to average assets | 1.7791% | 6,118 |
| Loan and lease loss provision to assets | 0.0216% | 3,975 |
| Net operating income to assets | 0.4210% | 5,174 |
| Return on assets (ROA) | 0.4502% | 5,148 |
| Pretax return on assets | 0.6385% | 4,908 |
| Return on Equity (ROE) | 2.9354% | 5,558 |
| Retained earnings to average equity (ytd only) | 1.2137% | 5,408 |
| Net charge-offs to loans | 0.1287% | 2,505 |
| Credit loss provision to net charge-offs | 55.5556% | 3,018 |
| Earnings coverage of net charge-offs (x) | 15.8885% | 2,025 |
| Efficiency ratio | 74.1877% | 2,791 |
| Assets per employee ($millions) | 6.1629% | 1,228 |
| Cash dividends to net income (ytd only)* | 58.6550% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 5,557 |
| Loan loss allowance to noncurrent loans | 141.1067% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 5,405 |
| Noncurrent loans to loans | 0.6488% | 3,990 |
| Net loans and leases to total assets | 31.3483% | 6,209 |
| Net loans and leases to deposits | 37.2356% | 6,208 |
| Net loans and leases to core deposits | 38.9212% | 6,209 |
| Total domestic deposits to total assets | 84.1891% | 3,691 |
| Equity capital to assets | 15.5780% | 619 |
| Core capital (leverage) ratio | 15.4001% | 561 |
| Tier 1 risk-based capital ratio | 26.6902% | 728 |
| Total risk-based capital ratio | 27.1889% | 771 |
| Memoranda: | ||
| Average total assets | $123,208,750 | 4,152 |
| Average earning assets | $118,119,500 | 4,035 |
| Average equity | $18,895,250 | 3,320 |
| Average total loans | $37,310,250 | 5,328 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3333% | 6,520 |
| Cost of funding earning assets | 0.3253% | 4,699 |
| Net interest margin | 2.0079% | 6,520 |
| Noninterest income to average assets | 0.4237% | 4,064 |
| Noninterest expense to average assets | 1.7793% | 6,174 |
| Loan and lease loss provision to assets | 0.0162% | 3,934 |
| Net operating income to assets | 0.3913% | 5,257 |
| Return on assets (ROA) | 0.4351% | 5,159 |
| Pretax return on assets | 0.6137% | 4,912 |
| Return on Equity (ROE) | 2.8521% | 5,574 |
| Retained earnings to average equity (ytd only) | 1.1174% | 5,309 |
| Net charge-offs to loans | 0.1524% | 2,172 |
| Credit loss provision to net charge-offs | 35.7143% | 2,978 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 2,055 |
| Efficiency ratio | 75.7953% | 2,673 |
| Assets per employee ($millions) | 6.1808% | 1,185 |
| Cash dividends to net income (ytd only)* | 60.8209% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 5,620 |
| Loan loss allowance to noncurrent loans | 2,535.7143% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 6,214 |
| Noncurrent loans to loans | 0.0368% | 5,949 |
| Net loans and leases to total assets | 30.4694% | 6,292 |
| Net loans and leases to deposits | 36.1416% | 6,286 |
| Net loans and leases to core deposits | 37.9596% | 6,274 |
| Total domestic deposits to total assets | 84.3054% | 3,817 |
| Equity capital to assets | 15.4875% | 617 |
| Core capital (leverage) ratio | 15.1671% | 580 |
| Tier 1 risk-based capital ratio | 25.9002% | 787 |
| Total risk-based capital ratio | 26.3831% | 845 |
| Memoranda: | ||
| Average total assets | $123,192,670 | 4,179 |
| Average earning assets | $118,031,000 | 4,061 |
| Average equity | $18,793,330 | 3,314 |
| Average total loans | $36,748,330 | 5,385 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2473% | 6,611 |
| Cost of funding earning assets | 0.3191% | 4,869 |
| Net interest margin | 1.9282% | 6,610 |
| Noninterest income to average assets | 0.3708% | 4,425 |
| Noninterest expense to average assets | 1.7921% | 6,231 |
| Loan and lease loss provision to assets | 0.0325% | 3,394 |
| Net operating income to assets | 0.2862% | 5,546 |
| Return on assets (ROA) | 0.3740% | 5,281 |
| Pretax return on assets | 0.5139% | 5,124 |
| Return on Equity (ROE) | 2.4708% | 5,640 |
| Retained earnings to average equity (ytd only) | 0.7305% | 5,298 |
| Net charge-offs to loans | 0.2437% | 1,347 |
| Credit loss provision to net charge-offs | 45.4545% | 2,254 |
| Earnings coverage of net charge-offs (x) | 5.9545% | 2,306 |
| Efficiency ratio | 80.7918% | 2,080 |
| Assets per employee ($millions) | 6.2757% | 1,131 |
| Cash dividends to net income (ytd only)* | 70.4348% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 5,530 |
| Loan loss allowance to noncurrent loans | 1,388.4615% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 6,244 |
| Noncurrent loans to loans | 0.0718% | 5,926 |
| Net loans and leases to total assets | 28.5514% | 6,399 |
| Net loans and leases to deposits | 33.5993% | 6,386 |
| Net loans and leases to core deposits | 35.2387% | 6,378 |
| Total domestic deposits to total assets | 84.9762% | 3,879 |
| Equity capital to assets | 14.9314% | 690 |
| Core capital (leverage) ratio | 15.3894% | 553 |
| Tier 1 risk-based capital ratio | 40.5014% | 228 |
| Total risk-based capital ratio | 41.2722% | 232 |
| Memoranda: | ||
| Average total assets | $122,981,000 | 4,213 |
| Average earning assets | $117,829,000 | 4,097 |
| Average equity | $18,617,500 | 3,337 |
| Average total loans | $36,112,500 | 5,457 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2467% | 6,677 |
| Cost of funding earning assets | 0.3174% | 5,448 |
| Net interest margin | 1.9293% | 6,661 |
| Noninterest income to average assets | 0.4174% | 4,316 |
| Noninterest expense to average assets | 1.7219% | 6,419 |
| Loan and lease loss provision to assets | 0.0081% | 4,957 |
| Net operating income to assets | 0.3703% | 5,260 |
| Return on assets (ROA) | 0.3703% | 5,370 |
| Pretax return on assets | 0.5371% | 5,083 |
| Return on Equity (ROE) | 2.4481% | 5,692 |
| Retained earnings to average equity (ytd only) | 0.6941% | 5,522 |
| Net charge-offs to loans | 0.0058% | 5,351 |
| Credit loss provision to net charge-offs | 500.0000% | 459 |
| Earnings coverage of net charge-offs (x) | 335.0000% | 129 |
| Efficiency ratio | 75.9512% | 2,779 |
| Assets per employee ($millions) | 6.3394% | 1,066 |
| Cash dividends to net income (ytd only)* | 71.6484% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 5,393 |
| Loan loss allowance to noncurrent loans | 956.4103% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 6,287 |
| Noncurrent loans to loans | 0.1082% | 5,882 |
| Net loans and leases to total assets | 29.6020% | 6,471 |
| Net loans and leases to deposits | 35.0163% | 6,460 |
| Net loans and leases to core deposits | 36.7244% | 6,449 |
| Total domestic deposits to total assets | 84.5377% | 3,947 |
| Equity capital to assets | 15.3543% | 612 |
| Core capital (leverage) ratio | 15.2569% | 578 |
| Tier 1 risk-based capital ratio | 40.3134% | 228 |
| Total risk-based capital ratio | 41.1076% | 231 |
| Memoranda: | ||
| Average total assets | $122,889,000 | 4,216 |
| Average earning assets | $117,815,200 | 4,093 |
| Average equity | $18,586,000 | 3,328 |
| Average total loans | $34,629,200 | 5,556 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2092% | 6,767 |
| Cost of funding earning assets | 0.3161% | 5,590 |
| Net interest margin | 1.8931% | 6,751 |
| Noninterest income to average assets | 0.4059% | 4,487 |
| Noninterest expense to average assets | 1.6939% | 6,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3843% | 5,304 |
| Return on assets (ROA) | 0.3843% | 5,447 |
| Pretax return on assets | 0.5290% | 5,272 |
| Return on Equity (ROE) | 2.5506% | 5,767 |
| Retained earnings to average equity (ytd only) | 0.8025% | 5,657 |
| Net charge-offs to loans | 0.0117% | 4,906 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 163.3300% | 342 |
| Efficiency ratio | 76.2020% | 2,701 |
| Assets per employee ($millions) | 6.9024% | 787 |
| Cash dividends to net income (ytd only)* | 68.5410% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 5,758 |
| Loan loss allowance to noncurrent loans | 304.2017% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 6,152 |
| Noncurrent loans to loans | 0.3268% | 5,403 |
| Net loans and leases to total assets | 29.0141% | 6,562 |
| Net loans and leases to deposits | 34.0770% | 6,569 |
| Net loans and leases to core deposits | 34.7712% | 6,593 |
| Total domestic deposits to total assets | 85.1428% | 3,665 |
| Equity capital to assets | 14.7316% | 766 |
| Core capital (leverage) ratio | 15.8761% | 510 |
| Tier 1 risk-based capital ratio | 24.2859% | 956 |
| Total risk-based capital ratio | 24.7506% | 1,049 |
| Memoranda: | ||
| Average total assets | $123,499,250 | 4,235 |
| Average earning assets | $118,533,250 | 4,119 |
| Average equity | $18,609,000 | 3,360 |
| Average total loans | $34,279,500 | 5,623 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1884% | 6,816 |
| Cost of funding earning assets | 0.3247% | 5,616 |
| Net interest margin | 1.8637% | 6,801 |
| Noninterest income to average assets | 0.3927% | 4,576 |
| Noninterest expense to average assets | 1.6746% | 6,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3716% | 5,327 |
| Return on assets (ROA) | 0.3716% | 5,500 |
| Pretax return on assets | 0.5063% | 5,350 |
| Return on Equity (ROE) | 2.4478% | 5,814 |
| Retained earnings to average equity (ytd only) | 0.7055% | 5,618 |
| Net charge-offs to loans | 0.0119% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 316 |
| Efficiency ratio | 76.7857% | 2,670 |
| Assets per employee ($millions) | 6.3406% | 986 |
| Cash dividends to net income (ytd only)* | 71.1790% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 5,742 |
| Loan loss allowance to noncurrent loans | 221.3415% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 6,079 |
| Noncurrent loans to loans | 0.4602% | 5,112 |
| Net loans and leases to total assets | 29.2807% | 6,599 |
| Net loans and leases to deposits | 34.4711% | 6,591 |
| Net loans and leases to core deposits | 35.1065% | 6,621 |
| Total domestic deposits to total assets | 84.9426% | 3,914 |
| Equity capital to assets | 14.9670% | 719 |
| Core capital (leverage) ratio | 15.3519% | 553 |
| Tier 1 risk-based capital ratio | 25.1667% | 859 |
| Total risk-based capital ratio | 25.6508% | 934 |
| Memoranda: | ||
| Average total assets | $123,251,330 | 4,274 |
| Average earning assets | $118,258,670 | 4,152 |
| Average equity | $18,711,000 | 3,367 |
| Average total loans | $33,569,330 | 5,682 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1500% | 6,905 |
| Cost of funding earning assets | 0.3277% | 5,739 |
| Net interest margin | 1.8223% | 6,886 |
| Noninterest income to average assets | 0.3594% | 4,794 |
| Noninterest expense to average assets | 1.6014% | 6,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3723% | 5,251 |
| Return on assets (ROA) | 0.3723% | 5,384 |
| Pretax return on assets | 0.5071% | 5,232 |
| Return on Equity (ROE) | 2.4356% | 5,800 |
| Retained earnings to average equity (ytd only) | 0.7349% | 5,536 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9513% | 2,936 |
| Assets per employee ($millions) | 6.2289% | 1,123 |
| Cash dividends to net income (ytd only)* | 69.8276% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 5,541 |
| Loan loss allowance to noncurrent loans | 429.4118% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 6,398 |
| Noncurrent loans to loans | 0.2599% | 5,759 |
| Net loans and leases to total assets | 25.9637% | 6,730 |
| Net loans and leases to deposits | 30.7526% | 6,725 |
| Net loans and leases to core deposits | 31.3770% | 6,737 |
| Total domestic deposits to total assets | 84.4274% | 4,299 |
| Equity capital to assets | 15.2924% | 685 |
| Core capital (leverage) ratio | 15.2939% | 544 |
| Tier 1 risk-based capital ratio | 24.0697% | 1,006 |
| Total risk-based capital ratio | 24.5359% | 1,094 |
| Memoranda: | ||
| Average total assets | $124,641,000 | 4,290 |
| Average earning assets | $119,629,000 | 4,159 |
| Average equity | $19,051,000 | 3,370 |
| Average total loans | $32,535,000 | 5,771 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2229% | 6,975 |
| Cost of funding earning assets | 0.4297% | 5,724 |
| Net interest margin | 1.7931% | 6,965 |
| Noninterest income to average assets | 0.4498% | 4,246 |
| Noninterest expense to average assets | 1.7630% | 6,667 |
| Loan and lease loss provision to assets | 0.0136% | 5,739 |
| Net operating income to assets | 0.3026% | 5,463 |
| Return on assets (ROA) | 0.3071% | 5,649 |
| Pretax return on assets | 0.3848% | 5,611 |
| Return on Equity (ROE) | 2.0132% | 5,897 |
| Retained earnings to average equity (ytd only) | 0.2996% | 5,706 |
| Net charge-offs to loans | 0.0066% | 5,867 |
| Credit loss provision to net charge-offs | 850.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 245.0000% | 167 |
| Efficiency ratio | 81.7776% | 1,903 |
| Assets per employee ($millions) | 7.3355% | 671 |
| Cash dividends to net income (ytd only)* | 85.1175% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 5,447 |
| Loan loss allowance to noncurrent loans | 101.1080% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 5,815 |
| Noncurrent loans to loans | 1.1156% | 3,978 |
| Net loans and leases to total assets | 25.6568% | 6,819 |
| Net loans and leases to deposits | 30.3947% | 6,820 |
| Net loans and leases to core deposits | 30.9438% | 6,828 |
| Total domestic deposits to total assets | 84.4119% | 4,119 |
| Equity capital to assets | 15.2770% | 685 |
| Core capital (leverage) ratio | 14.7986% | 605 |
| Tier 1 risk-based capital ratio | 22.6684% | 1,158 |
| Total risk-based capital ratio | 23.1084% | 1,258 |
| Memoranda: | ||
| Average total assets | $124,729,200 | 4,258 |
| Average earning assets | $118,674,600 | 4,135 |
| Average equity | $19,024,400 | 3,329 |
| Average total loans | $30,277,200 | 5,936 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2241% | 7,089 |
| Cost of funding earning assets | 0.4491% | 5,807 |
| Net interest margin | 1.7750% | 7,082 |
| Noninterest income to average assets | 0.4436% | 4,339 |
| Noninterest expense to average assets | 1.7327% | 6,756 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2935% | 5,635 |
| Return on assets (ROA) | 0.2982% | 5,822 |
| Pretax return on assets | 0.4030% | 5,709 |
| Return on Equity (ROE) | 1.9560% | 6,036 |
| Retained earnings to average equity (ytd only) | 0.2454% | 6,006 |
| Net charge-offs to loans | -0.0045% | 6,263 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3755% | 1,891 |
| Assets per employee ($millions) | 6.2475% | 1,098 |
| Cash dividends to net income (ytd only)* | 87.4567% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 5,472 |
| Loan loss allowance to noncurrent loans | 181.8653% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 6,326 |
| Noncurrent loans to loans | 0.6380% | 5,165 |
| Net loans and leases to total assets | 23.9290% | 6,971 |
| Net loans and leases to deposits | 28.3823% | 6,978 |
| Net loans and leases to core deposits | 28.8921% | 6,981 |
| Total domestic deposits to total assets | 84.3096% | 4,076 |
| Equity capital to assets | 15.3247% | 747 |
| Core capital (leverage) ratio | 14.9830% | 610 |
| Tier 1 risk-based capital ratio | 23.9612% | 1,027 |
| Total risk-based capital ratio | 24.4090% | 1,126 |
| Memoranda: | ||
| Average total assets | $124,735,500 | 4,297 |
| Average earning assets | $118,458,500 | 4,184 |
| Average equity | $19,017,750 | 3,363 |
| Average total loans | $29,756,500 | 6,036 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2288% | 7,157 |
| Cost of funding earning assets | 0.4650% | 5,873 |
| Net interest margin | 1.7638% | 7,156 |
| Noninterest income to average assets | 0.4572% | 4,237 |
| Noninterest expense to average assets | 1.7246% | 6,822 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2993% | 5,624 |
| Return on assets (ROA) | 0.3064% | 5,798 |
| Pretax return on assets | 0.4155% | 5,672 |
| Return on Equity (ROE) | 2.0132% | 6,036 |
| Retained earnings to average equity (ytd only) | 0.2951% | 5,947 |
| Net charge-offs to loans | -0.0068% | 6,218 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9488% | 2,038 |
| Assets per employee ($millions) | 6.3038% | 1,066 |
| Cash dividends to net income (ytd only)* | 85.3403% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 5,522 |
| Loan loss allowance to noncurrent loans | 3,900.0000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 6,831 |
| Noncurrent loans to loans | 0.0298% | 6,615 |
| Net loans and leases to total assets | 23.6778% | 7,043 |
| Net loans and leases to deposits | 28.0027% | 7,043 |
| Net loans and leases to core deposits | 28.4989% | 7,050 |
| Total domestic deposits to total assets | 84.5553% | 4,075 |
| Equity capital to assets | 15.1282% | 755 |
| Core capital (leverage) ratio | 15.0613% | 590 |
| Tier 1 risk-based capital ratio | 23.0556% | 1,123 |
| Total risk-based capital ratio | 23.4866% | 1,228 |
| Memoranda: | ||
| Average total assets | $124,664,330 | 4,318 |
| Average earning assets | $118,268,330 | 4,212 |
| Average equity | $18,974,330 | 3,359 |
| Average total loans | $29,592,000 | 6,084 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2547% | 7,217 |
| Cost of funding earning assets | 0.4836% | 5,917 |
| Net interest margin | 1.7711% | 7,207 |
| Noninterest income to average assets | 0.5163% | 3,806 |
| Noninterest expense to average assets | 1.7006% | 6,900 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3572% | 5,444 |
| Return on assets (ROA) | 0.3711% | 5,563 |
| Pretax return on assets | 0.5131% | 5,384 |
| Return on Equity (ROE) | 2.4306% | 5,929 |
| Retained earnings to average equity (ytd only) | 0.7186% | 5,773 |
| Net charge-offs to loans | -0.0137% | 6,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5000% | 2,569 |
| Assets per employee ($millions) | 6.2516% | 1,117 |
| Cash dividends to net income (ytd only)* | 70.4348% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 5,497 |
| Loan loss allowance to noncurrent loans | 1,950.0000% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 6,886 |
| Noncurrent loans to loans | 0.0614% | 6,601 |
| Net loans and leases to total assets | 23.1743% | 7,099 |
| Net loans and leases to deposits | 27.3918% | 7,103 |
| Net loans and leases to core deposits | 27.8785% | 7,106 |
| Total domestic deposits to total assets | 84.6030% | 4,219 |
| Equity capital to assets | 15.1242% | 727 |
| Core capital (leverage) ratio | 15.4074% | 545 |
| Tier 1 risk-based capital ratio | 22.2801% | 1,242 |
| Total risk-based capital ratio | 22.6965% | 1,362 |
| Memoranda: | ||
| Average total assets | $123,958,500 | 4,354 |
| Average earning assets | $117,442,500 | 4,261 |
| Average equity | $18,925,000 | 3,360 |
| Average total loans | $29,286,500 | 6,148 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3377% | 7,271 |
| Cost of funding earning assets | 0.6290% | 5,929 |
| Net interest margin | 1.7087% | 7,273 |
| Noninterest income to average assets | 0.4269% | 4,387 |
| Noninterest expense to average assets | 1.8550% | 6,889 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1354% | 5,773 |
| Return on assets (ROA) | 0.2689% | 5,523 |
| Pretax return on assets | 0.3726% | 5,373 |
| Return on Equity (ROE) | 1.7208% | 5,763 |
| Retained earnings to average equity (ytd only) | -0.5702% | 5,943 |
| Net charge-offs to loans | 0.0245% | 6,093 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 782 |
| Efficiency ratio | 90.8370% | 1,130 |
| Assets per employee ($millions) | 6.1443% | 1,133 |
| Cash dividends to net income (ytd only)* | 133.1325% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 5,404 |
| Loan loss allowance to noncurrent loans | 380.4348% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 6,464 |
| Noncurrent loans to loans | 0.3146% | 6,101 |
| Net loans and leases to total assets | 23.5153% | 7,162 |
| Net loans and leases to deposits | 27.9020% | 7,173 |
| Net loans and leases to core deposits | 28.4857% | 7,172 |
| Total domestic deposits to total assets | 84.2781% | 4,201 |
| Equity capital to assets | 15.4127% | 692 |
| Core capital (leverage) ratio | 14.8167% | 646 |
| Tier 1 risk-based capital ratio | 27.3085% | 688 |
| Total risk-based capital ratio | 27.8183% | 719 |
| Memoranda: | ||
| Average total assets | $123,449,400 | 4,303 |
| Average earning assets | $116,698,200 | 4,218 |
| Average equity | $19,292,800 | 3,242 |
| Average total loans | $28,531,600 | 6,217 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3107% | 7,354 |
| Cost of funding earning assets | 0.6592% | 5,989 |
| Net interest margin | 1.6515% | 7,353 |
| Noninterest income to average assets | 0.4175% | 4,526 |
| Noninterest expense to average assets | 1.8836% | 6,868 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0733% | 6,020 |
| Return on assets (ROA) | 0.2611% | 5,687 |
| Pretax return on assets | 0.3431% | 5,614 |
| Return on Equity (ROE) | 1.6648% | 5,878 |
| Retained earnings to average equity (ytd only) | -0.5435% | 6,080 |
| Net charge-offs to loans | 0.0329% | 5,688 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 12.7181% | 1,676 |
| Efficiency ratio | 95.1499% | 859 |
| Assets per employee ($millions) | 6.0002% | 1,206 |
| Cash dividends to net income (ytd only)* | 132.6443% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 5,392 |
| Loan loss allowance to noncurrent loans | 1,060.6061% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 6,683 |
| Noncurrent loans to loans | 0.1150% | 6,644 |
| Net loans and leases to total assets | 22.4896% | 7,250 |
| Net loans and leases to deposits | 26.7438% | 7,260 |
| Net loans and leases to core deposits | 27.2869% | 7,262 |
| Total domestic deposits to total assets | 84.0927% | 4,185 |
| Equity capital to assets | 15.3907% | 749 |
| Core capital (leverage) ratio | 15.3296% | 605 |
| Tier 1 risk-based capital ratio | 23.1362% | 1,132 |
| Total risk-based capital ratio | 23.5674% | 1,212 |
| Memoranda: | ||
| Average total assets | $123,590,250 | 4,326 |
| Average earning assets | $116,902,250 | 4,225 |
| Average equity | $19,381,000 | 3,231 |
| Average total loans | $28,352,750 | 6,287 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3158% | 7,431 |
| Cost of funding earning assets | 0.6880% | 6,025 |
| Net interest margin | 1.6278% | 7,432 |
| Noninterest income to average assets | 0.4170% | 4,538 |
| Noninterest expense to average assets | 1.9074% | 6,939 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0367% | 6,154 |
| Return on assets (ROA) | 0.2606% | 5,640 |
| Pretax return on assets | 0.3307% | 5,598 |
| Return on Equity (ROE) | 1.6514% | 5,903 |
| Retained earnings to average equity (ytd only) | -0.4232% | 5,935 |
| Net charge-offs to loans | 0.0496% | 5,159 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 4.1429% | 2,950 |
| Efficiency ratio | 97.5833% | 807 |
| Assets per employee ($millions) | 6.9234% | 759 |
| Cash dividends to net income (ytd only)* | 125.6250% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 5,493 |
| Loan loss allowance to noncurrent loans | 777.7778% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 7,007 |
| Noncurrent loans to loans | 0.1560% | 6,588 |
| Net loans and leases to total assets | 22.8627% | 7,333 |
| Net loans and leases to deposits | 27.2586% | 7,338 |
| Net loans and leases to core deposits | 27.8180% | 7,345 |
| Total domestic deposits to total assets | 83.8736% | 4,404 |
| Equity capital to assets | 15.6056% | 680 |
| Core capital (leverage) ratio | 15.1025% | 649 |
| Tier 1 risk-based capital ratio | 24.2418% | 979 |
| Total risk-based capital ratio | 24.6927% | 1,052 |
| Memoranda: | ||
| Average total assets | $122,785,330 | 4,367 |
| Average earning assets | $115,986,670 | 4,278 |
| Average equity | $19,377,000 | 3,219 |
| Average total loans | $28,241,000 | 6,354 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2748% | 7,498 |
| Cost of funding earning assets | 0.7131% | 6,059 |
| Net interest margin | 1.5618% | 7,498 |
| Noninterest income to average assets | 0.4070% | 4,654 |
| Noninterest expense to average assets | 1.6575% | 7,262 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1868% | 5,829 |
| Return on assets (ROA) | 0.4267% | 4,908 |
| Pretax return on assets | 0.5088% | 4,997 |
| Return on Equity (ROE) | 2.6885% | 5,519 |
| Retained earnings to average equity (ytd only) | 1.0340% | 5,411 |
| Net charge-offs to loans | 0.1002% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 9.7143% | 1,697 |
| Efficiency ratio | 88.1326% | 1,500 |
| Assets per employee ($millions) | 5.2808% | 1,789 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 5,365 |
| Loan loss allowance to noncurrent loans | 2,333.3333% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 7,163 |
| Noncurrent loans to loans | 0.0538% | 6,912 |
| Net loans and leases to total assets | 22.6784% | 7,394 |
| Net loans and leases to deposits | 27.0920% | 7,401 |
| Net loans and leases to core deposits | 27.8317% | 7,405 |
| Total domestic deposits to total assets | 83.7089% | 4,618 |
| Equity capital to assets | 15.8877% | 594 |
| Core capital (leverage) ratio | 15.5886% | 567 |
| Tier 1 risk-based capital ratio | 25.6499% | 818 |
| Total risk-based capital ratio | 26.1247% | 872 |
| Memoranda: | ||
| Average total assets | $121,867,000 | 4,423 |
| Average earning assets | $114,998,000 | 4,324 |
| Average equity | $19,341,500 | 3,217 |
| Average total loans | $27,940,500 | 6,422 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6489% | 7,532 |
| Cost of funding earning assets | 0.8434% | 6,388 |
| Net interest margin | 1.8055% | 7,502 |
| Noninterest income to average assets | 0.5017% | 4,149 |
| Noninterest expense to average assets | 1.8457% | 7,221 |
| Loan and lease loss provision to assets | 0.0083% | 6,996 |
| Net operating income to assets | 0.2665% | 5,047 |
| Return on assets (ROA) | 0.4054% | 4,653 |
| Pretax return on assets | 0.5358% | 4,513 |
| Return on Equity (ROE) | 2.5000% | 5,183 |
| Retained earnings to average equity (ytd only) | -0.0307% | 5,593 |
| Net charge-offs to loans | 0.0036% | 6,817 |
| Credit loss provision to net charge-offs | 1,000.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 435.0000% | 54 |
| Efficiency ratio | 83.6282% | 1,964 |
| Assets per employee ($millions) | 6.1138% | 1,137 |
| Cash dividends to net income (ytd only)* | 101.2295% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 5,132 |
| Loan loss allowance to noncurrent loans | 285.6000% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 6,976 |
| Noncurrent loans to loans | 0.4467% | 6,148 |
| Net loans and leases to total assets | 22.5958% | 7,491 |
| Net loans and leases to deposits | 27.0134% | 7,503 |
| Net loans and leases to core deposits | 27.5895% | 7,497 |
| Total domestic deposits to total assets | 83.6467% | 4,528 |
| Equity capital to assets | 15.8544% | 604 |
| Core capital (leverage) ratio | 15.4634% | 589 |
| Tier 1 risk-based capital ratio | 20.2772% | 1,439 |
| Total risk-based capital ratio | 20.6611% | 1,586 |
| Memoranda: | ||
| Average total assets | $120,387,400 | 4,475 |
| Average earning assets | $113,708,400 | 4,385 |
| Average equity | $19,520,000 | 3,212 |
| Average total loans | $27,402,000 | 6,534 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8024% | 7,647 |
| Cost of funding earning assets | 0.8745% | 6,491 |
| Net interest margin | 1.9279% | 7,597 |
| Noninterest income to average assets | 0.5137% | 4,074 |
| Noninterest expense to average assets | 1.8802% | 7,233 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3479% | 4,982 |
| Return on assets (ROA) | 0.4592% | 4,675 |
| Pretax return on assets | 0.5993% | 4,593 |
| Return on Equity (ROE) | 2.8161% | 5,300 |
| Retained earnings to average equity (ytd only) | 0.2864% | 5,670 |
| Net charge-offs to loans | 0.0245% | 6,331 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 81.7571% | 378 |
| Efficiency ratio | 80.5238% | 2,270 |
| Assets per employee ($millions) | 5.8027% | 1,391 |
| Cash dividends to net income (ytd only)* | 89.8302% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 5,204 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 7,361 |
| Noncurrent loans to loans | 0.0256% | 7,196 |
| Net loans and leases to total assets | 22.1596% | 7,595 |
| Net loans and leases to deposits | 26.5833% | 7,611 |
| Net loans and leases to core deposits | 27.1510% | 7,606 |
| Total domestic deposits to total assets | 83.3592% | 4,431 |
| Equity capital to assets | 16.0475% | 660 |
| Core capital (leverage) ratio | 15.9488% | 572 |
| Tier 1 risk-based capital ratio | 22.3388% | 1,157 |
| Total risk-based capital ratio | 22.7441% | 1,265 |
| Memoranda: | ||
| Average total assets | $119,915,500 | 4,543 |
| Average earning assets | $113,280,500 | 4,453 |
| Average equity | $19,553,500 | 3,246 |
| Average total loans | $27,256,000 | 6,628 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9556% | 7,715 |
| Cost of funding earning assets | 0.9137% | 6,527 |
| Net interest margin | 2.0420% | 7,635 |
| Noninterest income to average assets | 0.5601% | 3,631 |
| Noninterest expense to average assets | 1.9267% | 7,216 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4217% | 4,653 |
| Return on assets (ROA) | 0.5852% | 4,078 |
| Pretax return on assets | 0.7814% | 3,945 |
| Return on Equity (ROE) | 3.5698% | 4,981 |
| Retained earnings to average equity (ytd only) | 1.0433% | 5,350 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3737% | 2,834 |
| Assets per employee ($millions) | 6.7437% | 867 |
| Cash dividends to net income (ytd only)* | 70.7736% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 4,999 |
| Loan loss allowance to noncurrent loans | 34,800.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 7,434 |
| Noncurrent loans to loans | 0.0037% | 7,333 |
| Net loans and leases to total assets | 21.9900% | 7,663 |
| Net loans and leases to deposits | 26.3890% | 7,684 |
| Net loans and leases to core deposits | 27.0292% | 7,684 |
| Total domestic deposits to total assets | 83.3302% | 4,429 |
| Equity capital to assets | 16.1195% | 650 |
| Core capital (leverage) ratio | 15.9370% | 575 |
| Tier 1 risk-based capital ratio | 23.7850% | 964 |
| Total risk-based capital ratio | 24.2215% | 1,051 |
| Memoranda: | ||
| Average total assets | $119,268,330 | 4,584 |
| Average earning assets | $112,734,000 | 4,488 |
| Average equity | $19,553,000 | 3,236 |
| Average total loans | $27,226,000 | 6,674 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0640% | 7,792 |
| Cost of funding earning assets | 0.9760% | 6,492 |
| Net interest margin | 2.0879% | 7,690 |
| Noninterest income to average assets | 0.5989% | 3,282 |
| Noninterest expense to average assets | 1.7968% | 7,464 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5665% | 4,049 |
| Return on assets (ROA) | 0.8832% | 2,694 |
| Pretax return on assets | 1.2182% | 2,303 |
| Return on Equity (ROE) | 5.3412% | 4,187 |
| Retained earnings to average equity (ytd only) | 2.8241% | 4,441 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7766% | 4,351 |
| Assets per employee ($millions) | 5.5960% | 1,583 |
| Cash dividends to net income (ytd only)* | 47.1264% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 5,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 22.7569% | 7,748 |
| Net loans and leases to deposits | 27.5108% | 7,761 |
| Net loans and leases to core deposits | 28.3109% | 7,763 |
| Total domestic deposits to total assets | 82.7198% | 4,746 |
| Equity capital to assets | 16.6471% | 574 |
| Core capital (leverage) ratio | 16.2710% | 537 |
| Tier 1 risk-based capital ratio | 25.8327% | 787 |
| Total risk-based capital ratio | 26.3058% | 834 |
| Memoranda: | ||
| Average total assets | $118,209,000 | 4,671 |
| Average earning assets | $111,881,000 | 4,566 |
| Average equity | $19,546,000 | 3,261 |
| Average total loans | $27,318,500 | 6,755 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5352% | 7,825 |
| Cost of funding earning assets | 1.3856% | 5,992 |
| Net interest margin | 2.1497% | 7,673 |
| Noninterest income to average assets | 0.4067% | 5,146 |
| Noninterest expense to average assets | 1.8987% | 7,509 |
| Loan and lease loss provision to assets | 0.2893% | 5,114 |
| Net operating income to assets | 0.1887% | 4,934 |
| Return on assets (ROA) | 0.1887% | 5,008 |
| Pretax return on assets | 0.2030% | 5,002 |
| Return on Equity (ROE) | 1.1225% | 5,199 |
| Retained earnings to average equity (ytd only) | -4.8290% | 5,996 |
| Net charge-offs to loans | 1.5533% | 1,622 |
| Credit loss provision to net charge-offs | 82.1429% | 6,242 |
| Earnings coverage of net charge-offs (x) | 1.3976% | 4,737 |
| Efficiency ratio | 79.4107% | 2,965 |
| Assets per employee ($millions) | 5.1697% | 1,980 |
| Cash dividends to net income (ytd only)* | 530.2222% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 4,973 |
| Loan loss allowance to noncurrent loans | 1,581.8182% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 7,480 |
| Noncurrent loans to loans | 0.0799% | 7,215 |
| Net loans and leases to total assets | 22.8743% | 7,828 |
| Net loans and leases to deposits | 27.5744% | 7,842 |
| Net loans and leases to core deposits | 32.6291% | 7,850 |
| Total domestic deposits to total assets | 82.9549% | 4,536 |
| Equity capital to assets | 16.4245% | 629 |
| Core capital (leverage) ratio | 15.6611% | 667 |
| Tier 1 risk-based capital ratio | 25.2368% | 821 |
| Total risk-based capital ratio | 25.7024% | 884 |
| Memoranda: | ||
| Average total assets | $119,238,200 | 4,598 |
| Average earning assets | $110,063,200 | 4,562 |
| Average equity | $20,045,400 | 3,189 |
| Average total loans | $27,040,000 | 6,802 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6687% | 7,901 |
| Cost of funding earning assets | 1.4670% | 5,975 |
| Net interest margin | 2.2017% | 7,706 |
| Noninterest income to average assets | 0.4034% | 5,249 |
| Noninterest expense to average assets | 1.8783% | 7,571 |
| Loan and lease loss provision to assets | 0.3855% | 4,010 |
| Net operating income to assets | 0.1374% | 5,360 |
| Return on assets (ROA) | 0.1374% | 5,424 |
| Pretax return on assets | 0.1587% | 5,390 |
| Return on Equity (ROE) | 0.8129% | 5,554 |
| Retained earnings to average equity (ytd only) | -5.4259% | 6,306 |
| Net charge-offs to loans | 2.0807% | 938 |
| Credit loss provision to net charge-offs | 82.1429% | 5,704 |
| Earnings coverage of net charge-offs (x) | 1.1595% | 4,907 |
| Efficiency ratio | 77.5369% | 3,230 |
| Assets per employee ($millions) | 5.7429% | 1,388 |
| Cash dividends to net income (ytd only)* | 767.4634% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 4,602 |
| Loan loss allowance to noncurrent loans | 1,288.8889% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 7,537 |
| Noncurrent loans to loans | 0.0996% | 7,230 |
| Net loans and leases to total assets | 22.1988% | 7,929 |
| Net loans and leases to deposits | 26.7026% | 7,941 |
| Net loans and leases to core deposits | 31.3875% | 7,941 |
| Total domestic deposits to total assets | 83.1336% | 4,160 |
| Equity capital to assets | 16.2934% | 745 |
| Core capital (leverage) ratio | 15.9325% | 688 |
| Tier 1 risk-based capital ratio | 24.5963% | 939 |
| Total risk-based capital ratio | 25.0841% | 994 |
| Memoranda: | ||
| Average total assets | $119,322,250 | 4,612 |
| Average earning assets | $109,428,750 | 4,611 |
| Average equity | $20,174,500 | 3,204 |
| Average total loans | $26,913,500 | 6,857 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 7,936 |
| Cost of funding earning assets | 1.5598% | 5,889 |
| Net interest margin | 2.3601% | 7,616 |
| Noninterest income to average assets | 0.4003% | 5,280 |
| Noninterest expense to average assets | 1.8638% | 7,667 |
| Loan and lease loss provision to assets | 0.5803% | 2,701 |
| Net operating income to assets | 0.0639% | 5,668 |
| Return on assets (ROA) | 0.0639% | 5,758 |
| Pretax return on assets | 0.0942% | 5,690 |
| Return on Equity (ROE) | 0.3735% | 5,820 |
| Retained earnings to average equity (ytd only) | -5.9756% | 6,446 |
| Net charge-offs to loans | 3.1291% | 522 |
| Credit loss provision to net charge-offs | 82.1429% | 5,136 |
| Earnings coverage of net charge-offs (x) | 0.9548% | 4,816 |
| Efficiency ratio | 73.4261% | 4,121 |
| Assets per employee ($millions) | 5.8006% | 1,342 |
| Cash dividends to net income (ytd only)* | 1,700.0000% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,212 |
| Loan loss allowance to noncurrent loans | 287.6033% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 7,334 |
| Noncurrent loans to loans | 0.4556% | 6,383 |
| Net loans and leases to total assets | 21.5192% | 8,022 |
| Net loans and leases to deposits | 25.8884% | 8,028 |
| Net loans and leases to core deposits | 30.5296% | 8,033 |
| Total domestic deposits to total assets | 83.1232% | 4,185 |
| Equity capital to assets | 16.3022% | 780 |
| Core capital (leverage) ratio | 15.7055% | 789 |
| Tier 1 risk-based capital ratio | 21.9466% | 1,265 |
| Total risk-based capital ratio | 22.3770% | 1,343 |
| Memoranda: | ||
| Average total assets | $118,896,000 | 4,663 |
| Average earning assets | $107,708,000 | 4,685 |
| Average equity | $20,349,330 | 3,194 |
| Average total loans | $26,844,670 | 6,926 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2382% | 7,887 |
| Cost of funding earning assets | 1.6129% | 5,977 |
| Net interest margin | 2.6253% | 7,329 |
| Noninterest income to average assets | 0.3747% | 5,432 |
| Noninterest expense to average assets | 1.7882% | 7,714 |
| Loan and lease loss provision to assets | 0.2555% | 3,922 |
| Net operating income to assets | 0.5824% | 4,092 |
| Return on assets (ROA) | 0.5824% | 4,287 |
| Pretax return on assets | 0.6540% | 4,579 |
| Return on Equity (ROE) | 3.3212% | 5,241 |
| Retained earnings to average equity (ytd only) | -2.9522% | 6,268 |
| Net charge-offs to loans | -0.0148% | 7,369 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2879% | 5,271 |
| Assets per employee ($millions) | 5.3222% | 1,725 |
| Cash dividends to net income (ytd only)* | 188.8889% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8610% | 1,716 |
| Loan loss allowance to noncurrent loans | 67.4324% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 5,594 |
| Noncurrent loans to loans | 2.7599% | 2,374 |
| Net loans and leases to total assets | 22.4737% | 8,060 |
| Net loans and leases to deposits | 27.4625% | 8,068 |
| Net loans and leases to core deposits | 32.8900% | 8,060 |
| Total domestic deposits to total assets | 81.8342% | 4,620 |
| Equity capital to assets | 17.4510% | 677 |
| Core capital (leverage) ratio | 16.7686% | 684 |
| Tier 1 risk-based capital ratio | 27.7177% | 776 |
| Total risk-based capital ratio | 28.4205% | 788 |
| Memoranda: | ||
| Average total assets | $117,438,000 | 4,718 |
| Average earning assets | $103,911,000 | 4,806 |
| Average equity | $20,595,000 | 3,168 |
| Average total loans | $26,986,500 | 6,936 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8778% | 7,912 |
| Cost of funding earning assets | 1.9179% | 6,679 |
| Net interest margin | 2.9599% | 7,007 |
| Noninterest income to average assets | 0.4028% | 5,448 |
| Noninterest expense to average assets | 1.6643% | 7,899 |
| Loan and lease loss provision to assets | 0.5284% | 2,699 |
| Net operating income to assets | 0.7559% | 3,638 |
| Return on assets (ROA) | 0.7559% | 3,479 |
| Pretax return on assets | 0.9413% | 3,581 |
| Return on Equity (ROE) | 4.1738% | 4,753 |
| Retained earnings to average equity (ytd only) | -1.8659% | 5,830 |
| Net charge-offs to loans | 3.1454% | 276 |
| Credit loss provision to net charge-offs | 69.9777% | 6,074 |
| Earnings coverage of net charge-offs (x) | 1.9464% | 5,092 |
| Efficiency ratio | 53.1057% | 7,367 |
| Assets per employee ($millions) | 5.6090% | 1,382 |
| Cash dividends to net income (ytd only)* | 144.7046% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 2,417 |
| Loan loss allowance to noncurrent loans | 57.2395% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6274% | 5,319 |
| Noncurrent loans to loans | 2.7209% | 1,992 |
| Net loans and leases to total assets | 22.6993% | 8,124 |
| Net loans and leases to deposits | 27.8438% | 8,139 |
| Net loans and leases to core deposits | 33.1346% | 8,131 |
| Total domestic deposits to total assets | 81.5236% | 4,398 |
| Equity capital to assets | 17.6223% | 702 |
| Core capital (leverage) ratio | 16.5247% | 757 |
| Tier 1 risk-based capital ratio | 30.6602% | 604 |
| Total risk-based capital ratio | 31.3142% | 618 |
| Memoranda: | ||
| Average total assets | $118,665,800 | 4,556 |
| Average earning assets | $109,496,800 | 4,524 |
| Average equity | $21,491,200 | 3,042 |
| Average total loans | $28,486,400 | 6,800 |