Home > Peoples Bank > Performance and Condition Ratios
Peoples Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3644% | 1,368 |
| Cost of funding earning assets | 1.6762% | 1,505 |
| Net interest margin | 3.6882% | 1,785 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.3885% | 2,626 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.2597% | 1,524 |
| Return on assets (ROA) | 1.2580% | 1,497 |
| Pretax return on assets | 1.5512% | 1,324 |
| Return on Equity (ROE) | 16.4200% | 1,033 |
| Retained earnings to average equity (ytd only) | 9.8816% | 1,047 |
| Net charge-offs to loans | 0.0182% | 1,995 |
| Credit loss provision to net charge-offs | 172.1739% | 1,345 |
| Earnings coverage of net charge-offs (x) | 141.3826% | 742 |
| Efficiency ratio | 59.2746% | 3,159 |
| Assets per employee ($millions) | 7.6362% | 1,634 |
| Cash dividends to net income (ytd only)* | 39.8093% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7089% | 4,108 |
| Loan loss allowance to noncurrent loans | 4,169.6429% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 3,705 |
| Noncurrent loans to loans | 0.0170% | 3,624 |
| Net loans and leases to total assets | 62.0700% | 2,666 |
| Net loans and leases to deposits | 67.9841% | 3,034 |
| Net loans and leases to core deposits | 72.7554% | 3,140 |
| Total domestic deposits to total assets | 91.3000% | 429 |
| Equity capital to assets | 8.2879% | 3,212 |
| Core capital (leverage) ratio | 9.7293% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9828% | 1,873 |
| Memoranda: | ||
| Average total assets | $1,033,536,800 | 959 |
| Average earning assets | $955,641,000 | 947 |
| Average equity | $79,197,800 | 1,139 |
| Average total loans | $633,225,600 | 1,053 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1947% | 1,463 |
| Cost of funding earning assets | 1.5709% | 1,434 |
| Net interest margin | 3.6238% | 1,938 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.3658% | 2,611 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.2320% | 1,698 |
| Return on assets (ROA) | 1.2298% | 1,700 |
| Pretax return on assets | 1.5143% | 1,526 |
| Return on Equity (ROE) | 16.3900% | 1,187 |
| Retained earnings to average equity (ytd only) | 7.4473% | 2,162 |
| Net charge-offs to loans | 0.0062% | 2,221 |
| Credit loss provision to net charge-offs | 672.4138% | 523 |
| Earnings coverage of net charge-offs (x) | 410.6207% | 358 |
| Efficiency ratio | 59.4787% | 3,025 |
| Assets per employee ($millions) | 7.0395% | 1,932 |
| Cash dividends to net income (ytd only)* | 54.5646% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7474% | 4,075 |
| Loan loss allowance to noncurrent loans | 1,139.8082% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,385 |
| Noncurrent loans to loans | 0.0656% | 3,285 |
| Net loans and leases to total assets | 62.2700% | 2,623 |
| Net loans and leases to deposits | 67.7414% | 2,996 |
| Net loans and leases to core deposits | 71.9922% | 3,106 |
| Total domestic deposits to total assets | 91.9200% | 467 |
| Equity capital to assets | 7.5433% | 3,331 |
| Core capital (leverage) ratio | 9.5681% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0204% | 1,890 |
| Memoranda: | ||
| Average total assets | $1,028,471,750 | 962 |
| Average earning assets | $952,528,500 | 949 |
| Average equity | $77,162,750 | 1,157 |
| Average total loans | $626,847,000 | 1,053 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0437% | 1,482 |
| Cost of funding earning assets | 1.4133% | 1,409 |
| Net interest margin | 3.6304% | 1,970 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.3166% | 2,752 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.2771% | 1,628 |
| Return on assets (ROA) | 1.2783% | 1,612 |
| Pretax return on assets | 1.5752% | 1,456 |
| Return on Equity (ROE) | 17.0700% | 1,089 |
| Retained earnings to average equity (ytd only) | 8.8610% | 1,718 |
| Net charge-offs to loans | 0.0045% | 2,123 |
| Credit loss provision to net charge-offs | 757.1429% | 494 |
| Earnings coverage of net charge-offs (x) | 588.3571% | 248 |
| Efficiency ratio | 58.2076% | 3,171 |
| Assets per employee ($millions) | 7.2216% | 1,774 |
| Cash dividends to net income (ytd only)* | 48.0848% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 4,099 |
| Loan loss allowance to noncurrent loans | 1,096.0187% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 3,355 |
| Noncurrent loans to loans | 0.0687% | 3,207 |
| Net loans and leases to total assets | 60.6200% | 2,715 |
| Net loans and leases to deposits | 66.0556% | 3,052 |
| Net loans and leases to core deposits | 69.2936% | 3,170 |
| Total domestic deposits to total assets | 91.7700% | 461 |
| Equity capital to assets | 7.7971% | 3,352 |
| Core capital (leverage) ratio | 9.4437% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1753% | 1,826 |
| Memoranda: | ||
| Average total assets | $1,033,400,000 | 941 |
| Average earning assets | $957,195,667 | 930 |
| Average equity | $77,395,333 | 1,146 |
| Average total loans | $623,804,000 | 1,040 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8510% | 1,504 |
| Cost of funding earning assets | 1.1856% | 1,489 |
| Net interest margin | 3.6654% | 1,986 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.3405% | 2,701 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.2264% | 1,865 |
| Return on assets (ROA) | 1.2288% | 1,828 |
| Pretax return on assets | 1.5136% | 1,644 |
| Return on Equity (ROE) | 16.7400% | 1,216 |
| Retained earnings to average equity (ytd only) | 1.6860% | 3,754 |
| Net charge-offs to loans | -0.0006% | 3,288 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.1776% | 3,056 |
| Assets per employee ($millions) | 7.0935% | 1,905 |
| Cash dividends to net income (ytd only)* | 89.9312% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7511% | 4,176 |
| Loan loss allowance to noncurrent loans | 1,040.8889% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 3,348 |
| Noncurrent loans to loans | 0.0722% | 3,213 |
| Net loans and leases to total assets | 60.1800% | 2,630 |
| Net loans and leases to deposits | 65.3134% | 2,994 |
| Net loans and leases to core deposits | 67.9028% | 3,107 |
| Total domestic deposits to total assets | 92.1400% | 485 |
| Equity capital to assets | 7.4782% | 3,576 |
| Core capital (leverage) ratio | 9.0138% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6486% | 2,114 |
| Memoranda: | ||
| Average total assets | $1,040,974,000 | 953 |
| Average earning assets | $964,262,000 | 941 |
| Average equity | $76,396,000 | 1,167 |
| Average total loans | $624,724,500 | 1,052 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9197% | 1,938 |
| Cost of funding earning assets | 0.3066% | 2,823 |
| Net interest margin | 3.6131% | 1,609 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.3420% | 2,609 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.2361% | 1,642 |
| Return on assets (ROA) | 1.2367% | 1,592 |
| Pretax return on assets | 1.5197% | 1,396 |
| Return on Equity (ROE) | 16.0700% | 1,043 |
| Retained earnings to average equity (ytd only) | 10.7858% | 936 |
| Net charge-offs to loans | 0.0005% | 2,583 |
| Credit loss provision to net charge-offs | 25,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 5,325.6667% | 25 |
| Efficiency ratio | 58.4503% | 3,271 |
| Assets per employee ($millions) | 7.2150% | 1,813 |
| Cash dividends to net income (ytd only)* | 32.9031% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7331% | 4,164 |
| Loan loss allowance to noncurrent loans | 1,097.6077% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,402 |
| Noncurrent loans to loans | 0.0668% | 3,267 |
| Net loans and leases to total assets | 58.9700% | 2,736 |
| Net loans and leases to deposits | 63.7232% | 3,065 |
| Net loans and leases to core deposits | 65.7490% | 3,146 |
| Total domestic deposits to total assets | 92.5500% | 507 |
| Equity capital to assets | 7.2029% | 3,551 |
| Core capital (leverage) ratio | 9.0272% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5809% | 2,135 |
| Memoranda: | ||
| Average total assets | $1,002,444,600 | 976 |
| Average earning assets | $934,462,800 | 967 |
| Average equity | $77,120,200 | 1,161 |
| Average total loans | $552,137,200 | 1,100 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 2,132 |
| Cost of funding earning assets | 0.1801% | 3,516 |
| Net interest margin | 3.4893% | 1,693 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.3531% | 2,460 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.1775% | 1,784 |
| Return on assets (ROA) | 1.1782% | 1,753 |
| Pretax return on assets | 1.4463% | 1,572 |
| Return on Equity (ROE) | 15.0600% | 1,158 |
| Retained earnings to average equity (ytd only) | 8.2944% | 1,888 |
| Net charge-offs to loans | 0.0007% | 2,305 |
| Credit loss provision to net charge-offs | 15,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 3,726.3333% | 30 |
| Efficiency ratio | 59.8862% | 3,128 |
| Assets per employee ($millions) | 6.8999% | 2,018 |
| Cash dividends to net income (ytd only)* | 44.9234% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7557% | 4,173 |
| Loan loss allowance to noncurrent loans | 1,045.8537% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 3,496 |
| Noncurrent loans to loans | 0.0723% | 3,358 |
| Net loans and leases to total assets | 56.2800% | 2,877 |
| Net loans and leases to deposits | 60.6871% | 3,137 |
| Net loans and leases to core deposits | 62.9867% | 3,193 |
| Total domestic deposits to total assets | 92.7400% | 651 |
| Equity capital to assets | 6.8977% | 3,567 |
| Core capital (leverage) ratio | 8.8963% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0416% | 2,042 |
| Memoranda: | ||
| Average total assets | $989,707,500 | 998 |
| Average earning assets | $925,977,500 | 980 |
| Average equity | $77,431,500 | 1,177 |
| Average total loans | $533,721,000 | 1,123 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4256% | 2,357 |
| Cost of funding earning assets | 0.1073% | 4,111 |
| Net interest margin | 3.3183% | 1,857 |
| Noninterest income to average assets | 0.6239% | 1,639 |
| Noninterest expense to average assets | 2.3506% | 2,397 |
| Loan and lease loss provision to assets | 0.0608% | 1,503 |
| Net operating income to assets | 1.0794% | 1,860 |
| Return on assets (ROA) | 1.0794% | 1,838 |
| Pretax return on assets | 1.3234% | 1,672 |
| Return on Equity (ROE) | 13.2654% | 1,304 |
| Retained earnings to average equity (ytd only) | 6.4632% | 2,185 |
| Net charge-offs to loans | 0.0023% | 2,016 |
| Credit loss provision to net charge-offs | 5,000.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 1,137.5000% | 111 |
| Efficiency ratio | 61.8083% | 3,066 |
| Assets per employee ($millions) | 6.6485% | 2,214 |
| Cash dividends to net income (ytd only)* | 51.2777% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 4,252 |
| Loan loss allowance to noncurrent loans | 902.8384% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 3,519 |
| Noncurrent loans to loans | 0.0837% | 3,362 |
| Net loans and leases to total assets | 55.5952% | 2,798 |
| Net loans and leases to deposits | 60.0852% | 3,043 |
| Net loans and leases to core deposits | 62.5805% | 3,068 |
| Total domestic deposits to total assets | 92.5274% | 644 |
| Equity capital to assets | 7.1960% | 3,667 |
| Core capital (leverage) ratio | 8.7963% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $986,116,000 | 989 |
| Average earning assets | $924,522,333 | 982 |
| Average equity | $80,238,667 | 1,158 |
| Average total loans | $522,499,333 | 1,133 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2394% | 2,570 |
| Cost of funding earning assets | 0.0829% | 4,321 |
| Net interest margin | 3.1565% | 2,003 |
| Noninterest income to average assets | 0.6021% | 1,689 |
| Noninterest expense to average assets | 2.3721% | 2,260 |
| Loan and lease loss provision to assets | 0.0606% | 1,320 |
| Net operating income to assets | 0.9312% | 2,149 |
| Return on assets (ROA) | 0.9312% | 2,142 |
| Pretax return on assets | 1.1384% | 2,023 |
| Return on Equity (ROE) | 10.8271% | 1,671 |
| Retained earnings to average equity (ytd only) | -1.9861% | 4,246 |
| Net charge-offs to loans | 0.0071% | 1,495 |
| Credit loss provision to net charge-offs | 1,666.6667% | 240 |
| Earnings coverage of net charge-offs (x) | 329.8889% | 296 |
| Efficiency ratio | 65.2493% | 2,865 |
| Assets per employee ($millions) | 6.8367% | 2,114 |
| Cash dividends to net income (ytd only)* | 118.3435% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7764% | 4,281 |
| Loan loss allowance to noncurrent loans | 858.1897% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 3,575 |
| Noncurrent loans to loans | 0.0905% | 3,386 |
| Net loans and leases to total assets | 50.9812% | 3,071 |
| Net loans and leases to deposits | 55.5708% | 3,301 |
| Net loans and leases to core deposits | 57.8530% | 3,305 |
| Total domestic deposits to total assets | 91.7409% | 679 |
| Equity capital to assets | 7.9945% | 3,576 |
| Core capital (leverage) ratio | 8.5823% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $990,511,500 | 990 |
| Average earning assets | $931,666,500 | 980 |
| Average equity | $85,194,000 | 1,136 |
| Average total loans | $510,008,500 | 1,145 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 1,939 |
| Cost of funding earning assets | 0.1301% | 4,156 |
| Net interest margin | 3.6406% | 1,364 |
| Noninterest income to average assets | 0.7536% | 1,585 |
| Noninterest expense to average assets | 2.5809% | 1,920 |
| Loan and lease loss provision to assets | -0.0012% | 4,135 |
| Net operating income to assets | 1.2948% | 1,614 |
| Return on assets (ROA) | 1.2948% | 1,664 |
| Pretax return on assets | 1.5960% | 1,434 |
| Return on Equity (ROE) | 13.4564% | 1,329 |
| Retained earnings to average equity (ytd only) | 8.6961% | 1,281 |
| Net charge-offs to loans | -0.0004% | 3,225 |
| Credit loss provision to net charge-offs | 500.0000% | 798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8081% | 2,899 |
| Assets per employee ($millions) | 6.7320% | 2,125 |
| Cash dividends to net income (ytd only)* | 35.3762% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7573% | 4,333 |
| Loan loss allowance to noncurrent loans | 803.5565% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 3,557 |
| Noncurrent loans to loans | 0.0942% | 3,453 |
| Net loans and leases to total assets | 51.2096% | 3,153 |
| Net loans and leases to deposits | 56.6410% | 3,369 |
| Net loans and leases to core deposits | 58.8279% | 3,404 |
| Total domestic deposits to total assets | 90.4109% | 761 |
| Equity capital to assets | 9.2169% | 3,402 |
| Core capital (leverage) ratio | 9.0772% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $835,482,400 | 1,110 |
| Average earning assets | $785,346,400 | 1,106 |
| Average equity | $80,392,800 | 1,206 |
| Average total loans | $480,969,000 | 1,199 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 1,808 |
| Cost of funding earning assets | 0.1467% | 4,140 |
| Net interest margin | 3.7359% | 1,262 |
| Noninterest income to average assets | 0.8374% | 1,421 |
| Noninterest expense to average assets | 2.6199% | 1,785 |
| Loan and lease loss provision to assets | 0.0542% | 1,897 |
| Net operating income to assets | 1.3558% | 1,669 |
| Return on assets (ROA) | 1.3558% | 1,727 |
| Pretax return on assets | 1.6746% | 1,476 |
| Return on Equity (ROE) | 13.9096% | 1,418 |
| Retained earnings to average equity (ytd only) | 7.3547% | 2,290 |
| Net charge-offs to loans | -0.0003% | 3,069 |
| Credit loss provision to net charge-offs | -32,500.0000% | 4,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2442% | 2,950 |
| Assets per employee ($millions) | 7.9130% | 1,311 |
| Cash dividends to net income (ytd only)* | 47.1247% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8248% | 4,313 |
| Loan loss allowance to noncurrent loans | 818.6275% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 3,751 |
| Noncurrent loans to loans | 0.1008% | 3,577 |
| Net loans and leases to total assets | 55.1644% | 2,830 |
| Net loans and leases to deposits | 61.6381% | 3,080 |
| Net loans and leases to core deposits | 64.3554% | 3,102 |
| Total domestic deposits to total assets | 89.4972% | 1,013 |
| Equity capital to assets | 9.7798% | 3,123 |
| Core capital (leverage) ratio | 9.2196% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $798,636,000 | 1,173 |
| Average earning assets | $750,652,000 | 1,160 |
| Average equity | $77,843,500 | 1,251 |
| Average total loans | $474,420,250 | 1,231 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 1,867 |
| Cost of funding earning assets | 0.1645% | 4,089 |
| Net interest margin | 3.7169% | 1,308 |
| Noninterest income to average assets | 0.8696% | 1,359 |
| Noninterest expense to average assets | 2.6066% | 1,832 |
| Loan and lease loss provision to assets | 0.0328% | 2,323 |
| Net operating income to assets | 1.4027% | 1,556 |
| Return on assets (ROA) | 1.4027% | 1,621 |
| Pretax return on assets | 1.7318% | 1,405 |
| Return on Equity (ROE) | 14.4106% | 1,306 |
| Retained earnings to average equity (ytd only) | 4.4222% | 3,391 |
| Net charge-offs to loans | 0.0009% | 2,210 |
| Credit loss provision to net charge-offs | 6,250.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 3,359.5000% | 23 |
| Efficiency ratio | 59.6311% | 3,063 |
| Assets per employee ($millions) | 6.5430% | 2,130 |
| Cash dividends to net income (ytd only)* | 69.3129% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 4,351 |
| Loan loss allowance to noncurrent loans | 718.2640% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 3,814 |
| Noncurrent loans to loans | 0.1128% | 3,627 |
| Net loans and leases to total assets | 54.6695% | 3,052 |
| Net loans and leases to deposits | 60.9697% | 3,303 |
| Net loans and leases to core deposits | 63.8209% | 3,300 |
| Total domestic deposits to total assets | 89.6667% | 938 |
| Equity capital to assets | 9.6623% | 3,189 |
| Core capital (leverage) ratio | 9.1717% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $761,516,333 | 1,219 |
| Average earning assets | $717,431,667 | 1,205 |
| Average equity | $74,126,000 | 1,297 |
| Average total loans | $463,837,667 | 1,261 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 1,148 |
| Cost of funding earning assets | 0.1917% | 3,994 |
| Net interest margin | 4.0367% | 797 |
| Noninterest income to average assets | 0.9453% | 1,228 |
| Noninterest expense to average assets | 2.7361% | 1,530 |
| Loan and lease loss provision to assets | 0.0143% | 2,598 |
| Net operating income to assets | 1.6170% | 1,099 |
| Return on assets (ROA) | 1.6170% | 1,149 |
| Pretax return on assets | 1.9990% | 950 |
| Return on Equity (ROE) | 16.5340% | 922 |
| Retained earnings to average equity (ytd only) | 9.0852% | 1,927 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6087% | 3,360 |
| Assets per employee ($millions) | 6.4400% | 2,218 |
| Cash dividends to net income (ytd only)* | 45.0514% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 4,283 |
| Loan loss allowance to noncurrent loans | 676.0908% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 3,804 |
| Noncurrent loans to loans | 0.1266% | 3,675 |
| Net loans and leases to total assets | 63.3592% | 2,118 |
| Net loans and leases to deposits | 70.5246% | 2,455 |
| Net loans and leases to core deposits | 74.4041% | 2,477 |
| Total domestic deposits to total assets | 89.8398% | 895 |
| Equity capital to assets | 9.6227% | 3,075 |
| Core capital (leverage) ratio | 9.3569% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $697,349,000 | 1,286 |
| Average earning assets | $657,163,500 | 1,281 |
| Average equity | $68,199,000 | 1,377 |
| Average total loans | $450,532,000 | 1,288 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 1,373 |
| Cost of funding earning assets | 0.4382% | 3,358 |
| Net interest margin | 4.0384% | 899 |
| Noninterest income to average assets | 0.8966% | 1,275 |
| Noninterest expense to average assets | 2.8560% | 1,802 |
| Loan and lease loss provision to assets | 0.0977% | 3,116 |
| Net operating income to assets | 1.3963% | 1,028 |
| Return on assets (ROA) | 1.4089% | 1,084 |
| Pretax return on assets | 1.7442% | 776 |
| Return on Equity (ROE) | 14.4434% | 725 |
| Retained earnings to average equity (ytd only) | 11.6066% | 367 |
| Net charge-offs to loans | 0.0021% | 3,325 |
| Credit loss provision to net charge-offs | 6,944.4444% | 157 |
| Earnings coverage of net charge-offs (x) | 1,298.6667% | 85 |
| Efficiency ratio | 60.9958% | 3,313 |
| Assets per employee ($millions) | 6.4140% | 1,987 |
| Cash dividends to net income (ytd only)* | 19.6407% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 4,305 |
| Loan loss allowance to noncurrent loans | 551.4327% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 3,802 |
| Noncurrent loans to loans | 0.1557% | 3,662 |
| Net loans and leases to total assets | 64.7685% | 2,266 |
| Net loans and leases to deposits | 72.3088% | 2,652 |
| Net loans and leases to core deposits | 76.4739% | 2,681 |
| Total domestic deposits to total assets | 89.5721% | 747 |
| Equity capital to assets | 9.9419% | 3,185 |
| Core capital (leverage) ratio | 9.3459% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $639,995,200 | 1,273 |
| Average earning assets | $599,946,200 | 1,261 |
| Average equity | $62,430,000 | 1,403 |
| Average total loans | $421,619,600 | 1,293 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 1,632 |
| Cost of funding earning assets | 0.4962% | 3,249 |
| Net interest margin | 3.9815% | 1,154 |
| Noninterest income to average assets | 0.8788% | 1,285 |
| Noninterest expense to average assets | 2.8121% | 1,938 |
| Loan and lease loss provision to assets | 0.1326% | 2,693 |
| Net operating income to assets | 1.3450% | 1,248 |
| Return on assets (ROA) | 1.3570% | 1,316 |
| Pretax return on assets | 1.6825% | 998 |
| Return on Equity (ROE) | 13.9846% | 882 |
| Retained earnings to average equity (ytd only) | 10.1124% | 735 |
| Net charge-offs to loans | 0.0032% | 3,058 |
| Credit loss provision to net charge-offs | 6,250.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 848.5000% | 145 |
| Efficiency ratio | 60.9688% | 3,222 |
| Assets per employee ($millions) | 6.5283% | 1,806 |
| Cash dividends to net income (ytd only)* | 27.6892% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 4,256 |
| Loan loss allowance to noncurrent loans | 451.1137% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 3,810 |
| Noncurrent loans to loans | 0.1862% | 3,646 |
| Net loans and leases to total assets | 65.6569% | 2,559 |
| Net loans and leases to deposits | 78.2219% | 2,512 |
| Net loans and leases to core deposits | 83.1930% | 2,564 |
| Total domestic deposits to total assets | 83.9367% | 2,838 |
| Equity capital to assets | 9.4117% | 3,759 |
| Core capital (leverage) ratio | 9.6347% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $628,419,000 | 1,272 |
| Average earning assets | $589,284,500 | 1,258 |
| Average equity | $60,979,750 | 1,421 |
| Average total loans | $414,935,750 | 1,306 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5889% | 1,666 |
| Cost of funding earning assets | 0.5771% | 3,097 |
| Net interest margin | 4.0118% | 1,290 |
| Noninterest income to average assets | 0.7839% | 1,481 |
| Noninterest expense to average assets | 2.7947% | 2,111 |
| Loan and lease loss provision to assets | 0.1400% | 2,615 |
| Net operating income to assets | 1.2968% | 1,365 |
| Return on assets (ROA) | 1.3152% | 1,428 |
| Pretax return on assets | 1.6294% | 1,159 |
| Return on Equity (ROE) | 13.4001% | 1,003 |
| Retained earnings to average equity (ytd only) | 7.4568% | 1,479 |
| Net charge-offs to loans | -0.0015% | 3,786 |
| Credit loss provision to net charge-offs | -14,166.6667% | 4,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5390% | 3,197 |
| Assets per employee ($millions) | 6.3834% | 1,873 |
| Cash dividends to net income (ytd only)* | 44.3526% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 4,270 |
| Loan loss allowance to noncurrent loans | 1,275.6098% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 4,321 |
| Noncurrent loans to loans | 0.0648% | 4,217 |
| Net loans and leases to total assets | 65.5258% | 2,696 |
| Net loans and leases to deposits | 78.3141% | 2,620 |
| Net loans and leases to core deposits | 83.4693% | 2,655 |
| Total domestic deposits to total assets | 83.6705% | 2,861 |
| Equity capital to assets | 9.3382% | 3,793 |
| Core capital (leverage) ratio | 9.4670% | 3,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $607,225,667 | 1,282 |
| Average earning assets | $568,717,667 | 1,272 |
| Average equity | $59,596,667 | 1,430 |
| Average total loans | $400,516,667 | 1,321 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7732% | 1,495 |
| Cost of funding earning assets | 0.7476% | 2,682 |
| Net interest margin | 4.0256% | 1,321 |
| Noninterest income to average assets | 0.7420% | 1,489 |
| Noninterest expense to average assets | 2.8688% | 2,217 |
| Loan and lease loss provision to assets | 0.1042% | 2,378 |
| Net operating income to assets | 1.2291% | 1,434 |
| Return on assets (ROA) | 1.2291% | 1,537 |
| Pretax return on assets | 1.5251% | 1,244 |
| Return on Equity (ROE) | 12.1790% | 1,059 |
| Retained earnings to average equity (ytd only) | 2.4647% | 3,282 |
| Net charge-offs to loans | -0.0137% | 4,191 |
| Credit loss provision to net charge-offs | -1,153.8462% | 3,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7782% | 3,268 |
| Assets per employee ($millions) | 5.3757% | 2,248 |
| Cash dividends to net income (ytd only)* | 79.7626% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 4,164 |
| Loan loss allowance to noncurrent loans | 902.9255% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 4,276 |
| Noncurrent loans to loans | 0.0982% | 4,116 |
| Net loans and leases to total assets | 65.3537% | 2,890 |
| Net loans and leases to deposits | 73.6694% | 3,308 |
| Net loans and leases to core deposits | 78.5264% | 3,314 |
| Total domestic deposits to total assets | 88.7121% | 800 |
| Equity capital to assets | 9.9947% | 3,792 |
| Core capital (leverage) ratio | 9.8548% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7051% | 2,391 |
| Memoranda: | ||
| Average total assets | $575,709,500 | 1,300 |
| Average earning assets | $537,162,500 | 1,296 |
| Average equity | $58,100,000 | 1,453 |
| Average total loans | $379,348,500 | 1,356 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0525% | 1,338 |
| Cost of funding earning assets | 0.9443% | 1,985 |
| Net interest margin | 4.1082% | 1,520 |
| Noninterest income to average assets | 0.8597% | 1,274 |
| Noninterest expense to average assets | 2.9328% | 2,198 |
| Loan and lease loss provision to assets | 0.0094% | 3,821 |
| Net operating income to assets | 1.4027% | 1,334 |
| Return on assets (ROA) | 1.4037% | 1,406 |
| Pretax return on assets | 1.7631% | 1,039 |
| Return on Equity (ROE) | 13.3697% | 1,055 |
| Retained earnings to average equity (ytd only) | 7.0986% | 1,355 |
| Net charge-offs to loans | 0.0052% | 3,489 |
| Credit loss provision to net charge-offs | 263.1579% | 1,054 |
| Earnings coverage of net charge-offs (x) | 494.6842% | 187 |
| Efficiency ratio | 62.3468% | 3,317 |
| Assets per employee ($millions) | 5.3853% | 2,166 |
| Cash dividends to net income (ytd only)* | 46.9056% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 4,126 |
| Loan loss allowance to noncurrent loans | 937.1014% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 4,319 |
| Noncurrent loans to loans | 0.0918% | 4,159 |
| Net loans and leases to total assets | 65.2791% | 3,040 |
| Net loans and leases to deposits | 72.9689% | 3,440 |
| Net loans and leases to core deposits | 77.9836% | 3,451 |
| Total domestic deposits to total assets | 89.4615% | 503 |
| Equity capital to assets | 10.1908% | 3,740 |
| Core capital (leverage) ratio | 10.1274% | 3,381 |
| Tier 1 risk-based capital ratio | 13.6371% | 3,440 |
| Total risk-based capital ratio | 14.4253% | 3,583 |
| Memoranda: | ||
| Average total assets | $530,661,200 | 1,353 |
| Average earning assets | $496,570,000 | 1,338 |
| Average equity | $55,715,600 | 1,452 |
| Average total loans | $366,216,600 | 1,367 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0643% | 1,375 |
| Cost of funding earning assets | 0.9704% | 1,889 |
| Net interest margin | 4.0939% | 1,629 |
| Noninterest income to average assets | 0.8825% | 1,181 |
| Noninterest expense to average assets | 3.0041% | 1,971 |
| Loan and lease loss provision to assets | 0.0064% | 3,753 |
| Net operating income to assets | 1.3587% | 1,620 |
| Return on assets (ROA) | 1.3601% | 1,680 |
| Pretax return on assets | 1.7082% | 1,317 |
| Return on Equity (ROE) | 12.8512% | 1,338 |
| Retained earnings to average equity (ytd only) | 7.7843% | 1,500 |
| Net charge-offs to loans | 0.0081% | 3,085 |
| Credit loss provision to net charge-offs | 113.6364% | 2,042 |
| Earnings coverage of net charge-offs (x) | 304.0269% | 310 |
| Efficiency ratio | 63.6877% | 3,066 |
| Assets per employee ($millions) | 5.1707% | 2,373 |
| Cash dividends to net income (ytd only)* | 39.4276% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 4,244 |
| Loan loss allowance to noncurrent loans | 756.1321% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 4,327 |
| Noncurrent loans to loans | 0.1121% | 4,141 |
| Net loans and leases to total assets | 69.0946% | 2,608 |
| Net loans and leases to deposits | 77.8297% | 3,111 |
| Net loans and leases to core deposits | 83.8847% | 3,105 |
| Total domestic deposits to total assets | 88.7767% | 700 |
| Equity capital to assets | 10.6039% | 3,468 |
| Core capital (leverage) ratio | 10.5868% | 3,020 |
| Tier 1 risk-based capital ratio | 13.6893% | 3,481 |
| Total risk-based capital ratio | 14.4844% | 3,629 |
| Memoranda: | ||
| Average total assets | $520,616,500 | 1,378 |
| Average earning assets | $487,613,250 | 1,365 |
| Average equity | $55,101,250 | 1,469 |
| Average total loans | $363,802,750 | 1,382 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9766% | 1,545 |
| Cost of funding earning assets | 0.9842% | 1,776 |
| Net interest margin | 3.9924% | 1,946 |
| Noninterest income to average assets | 0.8017% | 1,342 |
| Noninterest expense to average assets | 2.9795% | 2,056 |
| Loan and lease loss provision to assets | 0.0097% | 3,552 |
| Net operating income to assets | 1.2511% | 1,954 |
| Return on assets (ROA) | 1.2530% | 2,002 |
| Pretax return on assets | 1.5725% | 1,629 |
| Return on Equity (ROE) | 11.8464% | 1,640 |
| Retained earnings to average equity (ytd only) | 8.3865% | 1,246 |
| Net charge-offs to loans | 0.0106% | 2,755 |
| Credit loss provision to net charge-offs | 131.5789% | 1,651 |
| Earnings coverage of net charge-offs (x) | 213.3684% | 373 |
| Efficiency ratio | 65.3475% | 2,913 |
| Assets per employee ($millions) | 5.0563% | 2,408 |
| Cash dividends to net income (ytd only)* | 29.2068% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 4,194 |
| Loan loss allowance to noncurrent loans | 727.4376% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 4,349 |
| Noncurrent loans to loans | 0.1197% | 4,144 |
| Net loans and leases to total assets | 68.8089% | 2,704 |
| Net loans and leases to deposits | 77.3856% | 3,207 |
| Net loans and leases to core deposits | 82.8359% | 3,211 |
| Total domestic deposits to total assets | 88.9169% | 695 |
| Equity capital to assets | 10.6241% | 3,411 |
| Core capital (leverage) ratio | 10.4960% | 3,097 |
| Tier 1 risk-based capital ratio | 13.6096% | 3,524 |
| Total risk-based capital ratio | 14.4142% | 3,663 |
| Memoranda: | ||
| Average total assets | $513,181,330 | 1,393 |
| Average earning assets | $483,019,330 | 1,378 |
| Average equity | $54,278,000 | 1,477 |
| Average total loans | $358,958,330 | 1,400 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9085% | 1,566 |
| Cost of funding earning assets | 0.9763% | 1,672 |
| Net interest margin | 3.9322% | 2,084 |
| Noninterest income to average assets | 0.7638% | 1,384 |
| Noninterest expense to average assets | 3.0409% | 1,874 |
| Loan and lease loss provision to assets | 0.0198% | 3,185 |
| Net operating income to assets | 1.1152% | 2,411 |
| Return on assets (ROA) | 1.1152% | 2,458 |
| Pretax return on assets | 1.3991% | 2,088 |
| Return on Equity (ROE) | 10.5684% | 2,133 |
| Retained earnings to average equity (ytd only) | 4.4499% | 3,149 |
| Net charge-offs to loans | -0.0113% | 4,268 |
| Credit loss provision to net charge-offs | -250.0000% | 3,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1842% | 2,616 |
| Assets per employee ($millions) | 4.9783% | 2,549 |
| Cash dividends to net income (ytd only)* | 57.8947% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 3,988 |
| Loan loss allowance to noncurrent loans | 518.7500% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 4,194 |
| Noncurrent loans to loans | 0.1818% | 3,940 |
| Net loans and leases to total assets | 66.2904% | 3,010 |
| Net loans and leases to deposits | 74.4282% | 3,416 |
| Net loans and leases to core deposits | 79.4282% | 3,416 |
| Total domestic deposits to total assets | 89.0662% | 829 |
| Equity capital to assets | 10.4960% | 3,348 |
| Core capital (leverage) ratio | 10.5285% | 3,023 |
| Tier 1 risk-based capital ratio | 13.7977% | 3,451 |
| Total risk-based capital ratio | 14.6473% | 3,573 |
| Memoranda: | ||
| Average total assets | $504,318,000 | 1,425 |
| Average earning assets | $474,031,000 | 1,409 |
| Average equity | $53,215,000 | 1,496 |
| Average total loans | $354,177,500 | 1,424 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9195% | 1,233 |
| Cost of funding earning assets | 0.7542% | 1,766 |
| Net interest margin | 4.1653% | 1,488 |
| Noninterest income to average assets | 0.8312% | 1,365 |
| Noninterest expense to average assets | 3.0795% | 1,851 |
| Loan and lease loss provision to assets | 0.0104% | 3,920 |
| Net operating income to assets | 1.2961% | 1,821 |
| Return on assets (ROA) | 1.2968% | 1,803 |
| Pretax return on assets | 1.6307% | 1,377 |
| Return on Equity (ROE) | 12.2559% | 1,625 |
| Retained earnings to average equity (ytd only) | 7.0976% | 1,630 |
| Net charge-offs to loans | 0.0224% | 2,971 |
| Credit loss provision to net charge-offs | 63.2911% | 3,063 |
| Earnings coverage of net charge-offs (x) | 99.6709% | 740 |
| Efficiency ratio | 65.2469% | 2,997 |
| Assets per employee ($millions) | 4.8615% | 2,665 |
| Cash dividends to net income (ytd only)* | 42.0884% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 4,264 |
| Loan loss allowance to noncurrent loans | 922.7666% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 4,475 |
| Noncurrent loans to loans | 0.0950% | 4,317 |
| Net loans and leases to total assets | 73.0033% | 2,099 |
| Net loans and leases to deposits | 81.9490% | 2,739 |
| Net loans and leases to core deposits | 87.9510% | 2,759 |
| Total domestic deposits to total assets | 89.0838% | 823 |
| Equity capital to assets | 10.6097% | 3,069 |
| Core capital (leverage) ratio | 10.5426% | 2,970 |
| Tier 1 risk-based capital ratio | 13.4311% | 3,591 |
| Total risk-based capital ratio | 14.2585% | 3,731 |
| Memoranda: | ||
| Average total assets | $480,044,800 | 1,457 |
| Average earning assets | $448,153,600 | 1,455 |
| Average equity | $50,792,000 | 1,499 |
| Average total loans | $352,131,200 | 1,394 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8381% | 1,324 |
| Cost of funding earning assets | 0.6953% | 1,868 |
| Net interest margin | 4.1428% | 1,513 |
| Noninterest income to average assets | 0.8452% | 1,340 |
| Noninterest expense to average assets | 3.1052% | 1,761 |
| Loan and lease loss provision to assets | 0.0140% | 3,723 |
| Net operating income to assets | 1.2686% | 1,970 |
| Return on assets (ROA) | 1.2695% | 1,973 |
| Pretax return on assets | 1.5949% | 1,597 |
| Return on Equity (ROE) | 12.0067% | 1,791 |
| Retained earnings to average equity (ytd only) | 8.0601% | 1,617 |
| Net charge-offs to loans | 0.0310% | 2,472 |
| Credit loss provision to net charge-offs | 61.7284% | 2,726 |
| Earnings coverage of net charge-offs (x) | 70.8748% | 947 |
| Efficiency ratio | 65.8863% | 2,890 |
| Assets per employee ($millions) | 4.5991% | 2,977 |
| Cash dividends to net income (ytd only)* | 32.8701% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 4,266 |
| Loan loss allowance to noncurrent loans | 747.6636% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 4,525 |
| Noncurrent loans to loans | 0.1202% | 4,353 |
| Net loans and leases to total assets | 73.0944% | 2,150 |
| Net loans and leases to deposits | 82.2630% | 2,783 |
| Net loans and leases to core deposits | 88.5950% | 2,788 |
| Total domestic deposits to total assets | 88.8544% | 892 |
| Equity capital to assets | 10.6575% | 2,977 |
| Core capital (leverage) ratio | 10.8032% | 2,790 |
| Tier 1 risk-based capital ratio | 13.6588% | 3,539 |
| Total risk-based capital ratio | 14.5089% | 3,664 |
| Memoranda: | ||
| Average total assets | $476,089,000 | 1,469 |
| Average earning assets | $444,489,500 | 1,475 |
| Average equity | $50,337,500 | 1,512 |
| Average total loans | $348,863,500 | 1,409 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7573% | 1,359 |
| Cost of funding earning assets | 0.6433% | 1,969 |
| Net interest margin | 4.1140% | 1,514 |
| Noninterest income to average assets | 0.8375% | 1,359 |
| Noninterest expense to average assets | 3.1046% | 1,773 |
| Loan and lease loss provision to assets | 0.0211% | 3,486 |
| Net operating income to assets | 1.2469% | 1,993 |
| Return on assets (ROA) | 1.2469% | 1,991 |
| Pretax return on assets | 1.5664% | 1,614 |
| Return on Equity (ROE) | 11.8251% | 1,794 |
| Retained earnings to average equity (ytd only) | 8.8629% | 1,261 |
| Net charge-offs to loans | 0.0318% | 2,218 |
| Credit loss provision to net charge-offs | 90.9091% | 2,146 |
| Earnings coverage of net charge-offs (x) | 68.3818% | 923 |
| Efficiency ratio | 66.1659% | 2,944 |
| Assets per employee ($millions) | 4.4371% | 3,226 |
| Cash dividends to net income (ytd only)* | 25.0508% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 4,178 |
| Loan loss allowance to noncurrent loans | 449.1643% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 4,239 |
| Noncurrent loans to loans | 0.2084% | 3,977 |
| Net loans and leases to total assets | 71.2257% | 2,405 |
| Net loans and leases to deposits | 80.4301% | 2,905 |
| Net loans and leases to core deposits | 86.5194% | 2,878 |
| Total domestic deposits to total assets | 88.5561% | 1,120 |
| Equity capital to assets | 10.6209% | 3,006 |
| Core capital (leverage) ratio | 10.7689% | 2,736 |
| Tier 1 risk-based capital ratio | 13.5709% | 3,581 |
| Total risk-based capital ratio | 14.4360% | 3,715 |
| Memoranda: | ||
| Average total assets | $473,815,330 | 1,486 |
| Average earning assets | $443,950,000 | 1,474 |
| Average equity | $49,961,330 | 1,525 |
| Average total loans | $346,424,670 | 1,420 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 1,054 |
| Cost of funding earning assets | 0.5950% | 2,088 |
| Net interest margin | 4.2184% | 1,137 |
| Noninterest income to average assets | 0.7726% | 1,542 |
| Noninterest expense to average assets | 3.1389% | 1,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2642% | 1,768 |
| Return on assets (ROA) | 1.2642% | 1,773 |
| Pretax return on assets | 1.5886% | 1,419 |
| Return on Equity (ROE) | 12.0338% | 1,569 |
| Retained earnings to average equity (ytd only) | 6.0533% | 2,691 |
| Net charge-offs to loans | -0.0069% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3973% | 3,096 |
| Assets per employee ($millions) | 4.5429% | 3,089 |
| Cash dividends to net income (ytd only)* | 49.6978% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 4,116 |
| Loan loss allowance to noncurrent loans | 13,487.5000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 5,111 |
| Noncurrent loans to loans | 0.0072% | 4,983 |
| Net loans and leases to total assets | 70.6165% | 2,380 |
| Net loans and leases to deposits | 79.3322% | 2,884 |
| Net loans and leases to core deposits | 86.8545% | 2,728 |
| Total domestic deposits to total assets | 89.0136% | 1,084 |
| Equity capital to assets | 10.5932% | 2,976 |
| Core capital (leverage) ratio | 10.4719% | 2,981 |
| Tier 1 risk-based capital ratio | 13.4661% | 3,676 |
| Total risk-based capital ratio | 14.3534% | 3,805 |
| Memoranda: | ||
| Average total assets | $471,120,000 | 1,509 |
| Average earning assets | $441,688,000 | 1,486 |
| Average equity | $49,494,000 | 1,548 |
| Average total loans | $347,365,500 | 1,411 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 1,025 |
| Cost of funding earning assets | 0.4976% | 2,354 |
| Net interest margin | 4.2750% | 1,021 |
| Noninterest income to average assets | 0.8481% | 1,412 |
| Noninterest expense to average assets | 3.2145% | 1,575 |
| Loan and lease loss provision to assets | 0.0442% | 3,357 |
| Net operating income to assets | 1.1346% | 1,736 |
| Return on assets (ROA) | 1.1695% | 1,645 |
| Pretax return on assets | 1.5950% | 1,306 |
| Return on Equity (ROE) | 11.3543% | 1,373 |
| Retained earnings to average equity (ytd only) | 10.1734% | 330 |
| Net charge-offs to loans | 0.0043% | 3,938 |
| Credit loss provision to net charge-offs | 1,333.3333% | 289 |
| Earnings coverage of net charge-offs (x) | 479.7333% | 179 |
| Efficiency ratio | 66.8860% | 3,100 |
| Assets per employee ($millions) | 4.4748% | 3,231 |
| Cash dividends to net income (ytd only)* | 10.4009% | 3,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 4,496 |
| Loan loss allowance to noncurrent loans | 11,966.6667% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,163 |
| Noncurrent loans to loans | 0.0075% | 5,025 |
| Net loans and leases to total assets | 75.4415% | 1,690 |
| Net loans and leases to deposits | 84.4858% | 2,442 |
| Net loans and leases to core deposits | 92.0280% | 2,376 |
| Total domestic deposits to total assets | 89.2949% | 871 |
| Equity capital to assets | 10.4192% | 3,243 |
| Core capital (leverage) ratio | 10.4031% | 2,962 |
| Tier 1 risk-based capital ratio | 12.7477% | 4,059 |
| Total risk-based capital ratio | 13.5991% | 4,206 |
| Memoranda: | ||
| Average total assets | $452,165,600 | 1,538 |
| Average earning assets | $418,622,400 | 1,535 |
| Average equity | $46,572,600 | 1,617 |
| Average total loans | $348,617,800 | 1,381 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7140% | 1,105 |
| Cost of funding earning assets | 0.4844% | 2,396 |
| Net interest margin | 4.2297% | 1,082 |
| Noninterest income to average assets | 0.8672% | 1,381 |
| Noninterest expense to average assets | 3.2151% | 1,526 |
| Loan and lease loss provision to assets | 0.0597% | 2,887 |
| Net operating income to assets | 1.0130% | 2,505 |
| Return on assets (ROA) | 1.0505% | 2,367 |
| Pretax return on assets | 1.5553% | 1,559 |
| Return on Equity (ROE) | 10.2308% | 2,026 |
| Retained earnings to average equity (ytd only) | 8.7771% | 921 |
| Net charge-offs to loans | -0.0012% | 4,279 |
| Credit loss provision to net charge-offs | -6,666.6667% | 5,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3335% | 2,993 |
| Assets per employee ($millions) | 4.4431% | 3,251 |
| Cash dividends to net income (ytd only)* | 14.2086% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 4,626 |
| Loan loss allowance to noncurrent loans | 36,100.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 5,267 |
| Noncurrent loans to loans | 0.0025% | 5,150 |
| Net loans and leases to total assets | 78.7367% | 1,159 |
| Net loans and leases to deposits | 88.3682% | 2,007 |
| Net loans and leases to core deposits | 97.1895% | 1,955 |
| Total domestic deposits to total assets | 89.1008% | 830 |
| Equity capital to assets | 10.3963% | 3,482 |
| Core capital (leverage) ratio | 10.3996% | 3,087 |
| Tier 1 risk-based capital ratio | 12.2101% | 4,492 |
| Total risk-based capital ratio | 13.0571% | 4,632 |
| Memoranda: | ||
| Average total assets | $446,625,750 | 1,566 |
| Average earning assets | $412,630,500 | 1,568 |
| Average equity | $45,860,500 | 1,654 |
| Average total loans | $345,505,000 | 1,398 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 1,316 |
| Cost of funding earning assets | 0.4663% | 2,446 |
| Net interest margin | 4.1064% | 1,308 |
| Noninterest income to average assets | 0.8544% | 1,408 |
| Noninterest expense to average assets | 3.1848% | 1,618 |
| Loan and lease loss provision to assets | 0.0453% | 3,084 |
| Net operating income to assets | 0.9745% | 2,551 |
| Return on assets (ROA) | 1.0130% | 2,404 |
| Pretax return on assets | 1.4950% | 1,658 |
| Return on Equity (ROE) | 9.9082% | 2,074 |
| Retained earnings to average equity (ytd only) | 9.9082% | 603 |
| Net charge-offs to loans | -0.0035% | 4,263 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2193% | 2,967 |
| Assets per employee ($millions) | 4.2328% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 4,564 |
| Loan loss allowance to noncurrent loans | 31,520.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 5,312 |
| Noncurrent loans to loans | 0.0029% | 5,192 |
| Net loans and leases to total assets | 75.7910% | 1,571 |
| Net loans and leases to deposits | 85.1557% | 2,335 |
| Net loans and leases to core deposits | 93.2150% | 2,223 |
| Total domestic deposits to total assets | 89.0029% | 953 |
| Equity capital to assets | 10.5518% | 3,276 |
| Core capital (leverage) ratio | 10.4713% | 2,948 |
| Tier 1 risk-based capital ratio | 12.5923% | 4,248 |
| Total risk-based capital ratio | 13.4541% | 4,370 |
| Memoranda: | ||
| Average total assets | $441,475,000 | 1,587 |
| Average earning assets | $410,046,330 | 1,580 |
| Average equity | $45,134,330 | 1,675 |
| Average total loans | $338,315,330 | 1,423 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 1,388 |
| Cost of funding earning assets | 0.4485% | 2,535 |
| Net interest margin | 4.0454% | 1,359 |
| Noninterest income to average assets | 0.8203% | 1,484 |
| Noninterest expense to average assets | 3.1753% | 1,682 |
| Loan and lease loss provision to assets | 0.0913% | 2,015 |
| Net operating income to assets | 0.8879% | 2,825 |
| Return on assets (ROA) | 0.9656% | 2,510 |
| Pretax return on assets | 1.4168% | 1,832 |
| Return on Equity (ROE) | 9.6025% | 2,142 |
| Retained earnings to average equity (ytd only) | 9.6025% | 903 |
| Net charge-offs to loans | -0.0095% | 4,402 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4922% | 2,972 |
| Assets per employee ($millions) | 4.4088% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 4,454 |
| Loan loss allowance to noncurrent loans | 2,791.1504% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 4,408 |
| Noncurrent loans to loans | 0.0347% | 5,062 |
| Net loans and leases to total assets | 73.1546% | 1,882 |
| Net loans and leases to deposits | 82.0626% | 2,503 |
| Net loans and leases to core deposits | 90.0168% | 2,344 |
| Total domestic deposits to total assets | 89.1449% | 1,082 |
| Equity capital to assets | 10.3999% | 3,292 |
| Core capital (leverage) ratio | 10.2000% | 3,241 |
| Tier 1 risk-based capital ratio | 12.3755% | 4,462 |
| Total risk-based capital ratio | 13.2453% | 4,613 |
| Memoranda: | ||
| Average total assets | $437,876,500 | 1,611 |
| Average earning assets | $405,795,500 | 1,609 |
| Average equity | $44,030,000 | 1,709 |
| Average total loans | $335,870,500 | 1,438 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7494% | 967 |
| Cost of funding earning assets | 0.3878% | 3,123 |
| Net interest margin | 4.3616% | 835 |
| Noninterest income to average assets | 0.9322% | 1,315 |
| Noninterest expense to average assets | 3.2853% | 1,604 |
| Loan and lease loss provision to assets | 0.1190% | 2,081 |
| Net operating income to assets | 1.0562% | 2,110 |
| Return on assets (ROA) | 1.0586% | 2,205 |
| Pretax return on assets | 1.5510% | 1,430 |
| Return on Equity (ROE) | 10.9532% | 1,596 |
| Retained earnings to average equity (ytd only) | 9.3789% | 514 |
| Net charge-offs to loans | 0.0245% | 3,555 |
| Credit loss provision to net charge-offs | 632.9114% | 540 |
| Earnings coverage of net charge-offs (x) | 88.5949% | 664 |
| Efficiency ratio | 66.3461% | 3,536 |
| Assets per employee ($millions) | 4.2221% | 3,585 |
| Cash dividends to net income (ytd only)* | 14.3725% | 3,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8802% | 4,858 |
| Loan loss allowance to noncurrent loans | 2,581.3559% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 4,467 |
| Noncurrent loans to loans | 0.0341% | 5,129 |
| Net loans and leases to total assets | 78.8775% | 1,063 |
| Net loans and leases to deposits | 87.6981% | 1,959 |
| Net loans and leases to core deposits | 95.8397% | 1,936 |
| Total domestic deposits to total assets | 89.9421% | 658 |
| Equity capital to assets | 9.7061% | 4,060 |
| Core capital (leverage) ratio | 9.4080% | 4,213 |
| Tier 1 risk-based capital ratio | 11.1748% | 5,242 |
| Total risk-based capital ratio | 11.9986% | 5,368 |
| Memoranda: | ||
| Average total assets | $419,994,600 | 1,617 |
| Average earning assets | $387,056,600 | 1,615 |
| Average equity | $40,591,000 | 1,824 |
| Average total loans | $322,340,600 | 1,443 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6808% | 1,110 |
| Cost of funding earning assets | 0.3741% | 3,293 |
| Net interest margin | 4.3066% | 916 |
| Noninterest income to average assets | 0.9417% | 1,271 |
| Noninterest expense to average assets | 3.2958% | 1,573 |
| Loan and lease loss provision to assets | 0.1441% | 1,624 |
| Net operating income to assets | 1.0069% | 2,404 |
| Return on assets (ROA) | 1.0102% | 2,522 |
| Pretax return on assets | 1.4772% | 1,780 |
| Return on Equity (ROE) | 10.4643% | 1,882 |
| Retained earnings to average equity (ytd only) | 8.3442% | 1,029 |
| Net charge-offs to loans | 0.0265% | 3,138 |
| Credit loss provision to net charge-offs | 714.2857% | 551 |
| Earnings coverage of net charge-offs (x) | 80.1092% | 785 |
| Efficiency ratio | 67.0927% | 3,405 |
| Assets per employee ($millions) | 4.4059% | 3,237 |
| Cash dividends to net income (ytd only)* | 20.2600% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 4,975 |
| Loan loss allowance to noncurrent loans | 594.0828% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 4,252 |
| Noncurrent loans to loans | 0.1461% | 4,760 |
| Net loans and leases to total assets | 77.3134% | 1,306 |
| Net loans and leases to deposits | 92.3214% | 1,456 |
| Net loans and leases to core deposits | 101.1936% | 1,542 |
| Total domestic deposits to total assets | 83.7437% | 3,302 |
| Equity capital to assets | 9.3841% | 4,775 |
| Core capital (leverage) ratio | 9.3767% | 4,362 |
| Tier 1 risk-based capital ratio | 10.9132% | 5,416 |
| Total risk-based capital ratio | 11.7344% | 5,550 |
| Memoranda: | ||
| Average total assets | $416,275,000 | 1,628 |
| Average earning assets | $383,800,750 | 1,629 |
| Average equity | $40,186,500 | 1,852 |
| Average total loans | $316,410,000 | 1,467 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 1,314 |
| Cost of funding earning assets | 0.3705% | 3,353 |
| Net interest margin | 4.2068% | 1,097 |
| Noninterest income to average assets | 0.9171% | 1,320 |
| Noninterest expense to average assets | 3.3007% | 1,593 |
| Loan and lease loss provision to assets | 0.1475% | 1,554 |
| Net operating income to assets | 0.9376% | 2,692 |
| Return on assets (ROA) | 0.9427% | 2,800 |
| Pretax return on assets | 1.3735% | 2,124 |
| Return on Equity (ROE) | 9.6666% | 2,195 |
| Retained earnings to average equity (ytd only) | 6.4444% | 1,898 |
| Net charge-offs to loans | 0.0131% | 3,284 |
| Credit loss provision to net charge-offs | 1,500.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 153.9000% | 404 |
| Efficiency ratio | 68.5598% | 3,235 |
| Assets per employee ($millions) | 4.2681% | 3,433 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 4,899 |
| Loan loss allowance to noncurrent loans | 410.3107% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 4,039 |
| Noncurrent loans to loans | 0.2235% | 4,541 |
| Net loans and leases to total assets | 75.0400% | 1,641 |
| Net loans and leases to deposits | 88.9661% | 1,873 |
| Net loans and leases to core deposits | 97.0169% | 1,889 |
| Total domestic deposits to total assets | 84.3467% | 3,138 |
| Equity capital to assets | 9.7098% | 4,550 |
| Core capital (leverage) ratio | 9.6845% | 3,953 |
| Tier 1 risk-based capital ratio | 11.0542% | 5,397 |
| Total risk-based capital ratio | 11.8821% | 5,527 |
| Memoranda: | ||
| Average total assets | $406,700,670 | 1,661 |
| Average earning assets | $376,767,000 | 1,655 |
| Average equity | $39,662,330 | 1,872 |
| Average total loans | $306,195,000 | 1,499 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5761% | 1,325 |
| Cost of funding earning assets | 0.3705% | 3,393 |
| Net interest margin | 4.2057% | 1,084 |
| Noninterest income to average assets | 0.9159% | 1,277 |
| Noninterest expense to average assets | 3.3204% | 1,552 |
| Loan and lease loss provision to assets | 0.1497% | 1,414 |
| Net operating income to assets | 0.9139% | 2,680 |
| Return on assets (ROA) | 0.9139% | 2,796 |
| Pretax return on assets | 1.3310% | 2,177 |
| Return on Equity (ROE) | 9.3502% | 2,266 |
| Retained earnings to average equity (ytd only) | 2.8275% | 4,100 |
| Net charge-offs to loans | 0.0040% | 2,986 |
| Credit loss provision to net charge-offs | 5,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 494.6667% | 112 |
| Efficiency ratio | 69.1604% | 3,274 |
| Assets per employee ($millions) | 4.0566% | 3,847 |
| Cash dividends to net income (ytd only)* | 69.7598% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 4,930 |
| Loan loss allowance to noncurrent loans | 5,900.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 4,541 |
| Noncurrent loans to loans | 0.0159% | 5,452 |
| Net loans and leases to total assets | 73.1355% | 1,863 |
| Net loans and leases to deposits | 81.7724% | 2,572 |
| Net loans and leases to core deposits | 90.3866% | 2,336 |
| Total domestic deposits to total assets | 89.4379% | 867 |
| Equity capital to assets | 9.8154% | 4,321 |
| Core capital (leverage) ratio | 9.5438% | 4,111 |
| Tier 1 risk-based capital ratio | 11.1754% | 5,411 |
| Total risk-based capital ratio | 11.9955% | 5,545 |
| Memoranda: | ||
| Average total assets | $400,912,500 | 1,686 |
| Average earning assets | $370,358,500 | 1,681 |
| Average equity | $39,186,500 | 1,883 |
| Average total loans | $300,902,500 | 1,516 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 940 |
| Cost of funding earning assets | 0.3239% | 3,974 |
| Net interest margin | 4.4693% | 694 |
| Noninterest income to average assets | 0.9962% | 1,186 |
| Noninterest expense to average assets | 3.4419% | 1,404 |
| Loan and lease loss provision to assets | 0.1161% | 2,058 |
| Net operating income to assets | 1.0577% | 2,093 |
| Return on assets (ROA) | 1.0577% | 2,176 |
| Pretax return on assets | 1.5524% | 1,398 |
| Return on Equity (ROE) | 10.7317% | 1,718 |
| Retained earnings to average equity (ytd only) | 7.5186% | 1,090 |
| Net charge-offs to loans | 0.0710% | 2,827 |
| Credit loss provision to net charge-offs | 212.5604% | 1,330 |
| Earnings coverage of net charge-offs (x) | 30.5459% | 1,441 |
| Efficiency ratio | 67.3500% | 3,686 |
| Assets per employee ($millions) | 4.0839% | 3,787 |
| Cash dividends to net income (ytd only)* | 29.9401% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 5,237 |
| Loan loss allowance to noncurrent loans | 13,125.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 4,630 |
| Noncurrent loans to loans | 0.0066% | 5,519 |
| Net loans and leases to total assets | 75.6312% | 1,475 |
| Net loans and leases to deposits | 84.2236% | 2,332 |
| Net loans and leases to core deposits | 90.9053% | 2,324 |
| Total domestic deposits to total assets | 89.7981% | 717 |
| Equity capital to assets | 9.7331% | 4,257 |
| Core capital (leverage) ratio | 9.3388% | 4,412 |
| Tier 1 risk-based capital ratio | 11.3998% | 5,315 |
| Total risk-based capital ratio | 12.1975% | 5,458 |
| Memoranda: | ||
| Average total assets | $378,951,000 | 1,733 |
| Average earning assets | $348,846,400 | 1,738 |
| Average equity | $37,347,200 | 1,916 |
| Average total loans | $291,575,800 | 1,497 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7335% | 1,045 |
| Cost of funding earning assets | 0.3128% | 4,187 |
| Net interest margin | 4.4207% | 760 |
| Noninterest income to average assets | 1.0491% | 1,088 |
| Noninterest expense to average assets | 3.4553% | 1,371 |
| Loan and lease loss provision to assets | 0.1445% | 1,518 |
| Net operating income to assets | 1.0388% | 2,282 |
| Return on assets (ROA) | 1.0388% | 2,378 |
| Pretax return on assets | 1.5237% | 1,615 |
| Return on Equity (ROE) | 10.5053% | 1,901 |
| Retained earnings to average equity (ytd only) | 6.1747% | 2,136 |
| Net charge-offs to loans | 0.0986% | 2,167 |
| Credit loss provision to net charge-offs | 190.1408% | 1,391 |
| Earnings coverage of net charge-offs (x) | 21.9486% | 1,806 |
| Efficiency ratio | 67.4398% | 3,643 |
| Assets per employee ($millions) | 4.0708% | 3,759 |
| Cash dividends to net income (ytd only)* | 41.2229% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8158% | 5,476 |
| Loan loss allowance to noncurrent loans | 15,200.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 4,935 |
| Noncurrent loans to loans | 0.0054% | 5,633 |
| Net loans and leases to total assets | 78.7499% | 992 |
| Net loans and leases to deposits | 92.1661% | 1,384 |
| Net loans and leases to core deposits | 99.3875% | 1,568 |
| Total domestic deposits to total assets | 85.4435% | 2,807 |
| Equity capital to assets | 9.4913% | 4,762 |
| Core capital (leverage) ratio | 9.3433% | 4,519 |
| Tier 1 risk-based capital ratio | 10.8148% | 5,753 |
| Total risk-based capital ratio | 11.5822% | 5,876 |
| Memoranda: | ||
| Average total assets | $373,633,500 | 1,770 |
| Average earning assets | $344,374,250 | 1,772 |
| Average equity | $36,945,500 | 1,947 |
| Average total loans | $288,140,500 | 1,517 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 1,240 |
| Cost of funding earning assets | 0.3022% | 4,377 |
| Net interest margin | 4.3146% | 894 |
| Noninterest income to average assets | 1.0712% | 1,042 |
| Noninterest expense to average assets | 3.4710% | 1,346 |
| Loan and lease loss provision to assets | 0.1123% | 1,959 |
| Net operating income to assets | 0.9967% | 2,406 |
| Return on assets (ROA) | 0.9967% | 2,517 |
| Pretax return on assets | 1.4606% | 1,765 |
| Return on Equity (ROE) | 9.9347% | 2,106 |
| Retained earnings to average equity (ytd only) | 3.3843% | 3,881 |
| Net charge-offs to loans | 0.1515% | 1,577 |
| Credit loss provision to net charge-offs | 97.1564% | 2,111 |
| Earnings coverage of net charge-offs (x) | 13.6114% | 2,117 |
| Efficiency ratio | 68.8165% | 3,528 |
| Assets per employee ($millions) | 3.8887% | 4,096 |
| Cash dividends to net income (ytd only)* | 65.9341% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8141% | 5,568 |
| Loan loss allowance to noncurrent loans | 258.2251% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 4,106 |
| Noncurrent loans to loans | 0.3153% | 4,565 |
| Net loans and leases to total assets | 77.0687% | 1,208 |
| Net loans and leases to deposits | 86.1239% | 2,036 |
| Net loans and leases to core deposits | 93.2204% | 2,039 |
| Total domestic deposits to total assets | 89.4858% | 905 |
| Equity capital to assets | 9.7379% | 4,359 |
| Core capital (leverage) ratio | 9.7826% | 3,889 |
| Tier 1 risk-based capital ratio | 11.1002% | 5,662 |
| Total risk-based capital ratio | 11.8500% | 5,828 |
| Memoranda: | ||
| Average total assets | $365,200,000 | 1,812 |
| Average earning assets | $336,250,330 | 1,830 |
| Average equity | $36,639,330 | 1,965 |
| Average total loans | $278,606,000 | 1,568 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5988% | 1,218 |
| Cost of funding earning assets | 0.2919% | 4,532 |
| Net interest margin | 4.3069% | 865 |
| Noninterest income to average assets | 1.0824% | 966 |
| Noninterest expense to average assets | 3.5023% | 1,303 |
| Loan and lease loss provision to assets | 0.1114% | 1,856 |
| Net operating income to assets | 0.9755% | 2,363 |
| Return on assets (ROA) | 0.9755% | 2,496 |
| Pretax return on assets | 1.4287% | 1,781 |
| Return on Equity (ROE) | 9.5756% | 2,187 |
| Retained earnings to average equity (ytd only) | 9.0290% | 1,181 |
| Net charge-offs to loans | 0.2830% | 851 |
| Credit loss provision to net charge-offs | 52.0833% | 2,082 |
| Earnings coverage of net charge-offs (x) | 7.2031% | 2,198 |
| Efficiency ratio | 69.4567% | 3,584 |
| Assets per employee ($millions) | 3.8528% | 4,242 |
| Cash dividends to net income (ytd only)* | 5.7078% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 5,566 |
| Loan loss allowance to noncurrent loans | 8,846.1538% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 5,011 |
| Noncurrent loans to loans | 0.0096% | 5,767 |
| Net loans and leases to total assets | 74.7499% | 1,394 |
| Net loans and leases to deposits | 84.1128% | 2,056 |
| Net loans and leases to core deposits | 90.9976% | 2,034 |
| Total domestic deposits to total assets | 88.8686% | 1,349 |
| Equity capital to assets | 10.3516% | 3,715 |
| Core capital (leverage) ratio | 10.1556% | 3,398 |
| Tier 1 risk-based capital ratio | 11.8297% | 5,350 |
| Total risk-based capital ratio | 12.5954% | 5,544 |
| Memoranda: | ||
| Average total assets | $359,197,500 | 1,843 |
| Average earning assets | $330,257,000 | 1,863 |
| Average equity | $36,593,000 | 1,982 |
| Average total loans | $271,362,500 | 1,618 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 1,338 |
| Cost of funding earning assets | 0.2927% | 4,868 |
| Net interest margin | 4.3956% | 892 |
| Noninterest income to average assets | 0.8764% | 1,582 |
| Noninterest expense to average assets | 3.4220% | 1,655 |
| Loan and lease loss provision to assets | 0.1102% | 2,331 |
| Net operating income to assets | 0.9397% | 2,675 |
| Return on assets (ROA) | 0.9450% | 2,742 |
| Pretax return on assets | 1.3797% | 1,954 |
| Return on Equity (ROE) | 9.7380% | 2,231 |
| Retained earnings to average equity (ytd only) | 9.5913% | 587 |
| Net charge-offs to loans | 0.0187% | 4,476 |
| Credit loss provision to net charge-offs | 823.4043% | 331 |
| Earnings coverage of net charge-offs (x) | 110.7660% | 480 |
| Efficiency ratio | 69.7765% | 3,569 |
| Assets per employee ($millions) | 3.9140% | 4,127 |
| Cash dividends to net income (ytd only)* | 1.5065% | 4,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 5,539 |
| Loan loss allowance to noncurrent loans | 21,754.5455% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 5,121 |
| Noncurrent loans to loans | 0.0040% | 5,911 |
| Net loans and leases to total assets | 75.0367% | 1,417 |
| Net loans and leases to deposits | 87.2238% | 1,824 |
| Net loans and leases to core deposits | 94.9102% | 1,824 |
| Total domestic deposits to total assets | 86.0277% | 2,824 |
| Equity capital to assets | 10.0240% | 4,079 |
| Core capital (leverage) ratio | 9.4335% | 4,333 |
| Tier 1 risk-based capital ratio | 12.0358% | 5,341 |
| Total risk-based capital ratio | 12.8657% | 5,511 |
| Memoranda: | ||
| Average total assets | $351,228,000 | 1,852 |
| Average earning assets | $321,847,200 | 1,863 |
| Average equity | $34,082,800 | 2,045 |
| Average total loans | $251,713,200 | 1,677 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 1,632 |
| Cost of funding earning assets | 0.2907% | 4,978 |
| Net interest margin | 4.2829% | 1,086 |
| Noninterest income to average assets | 0.8718% | 1,618 |
| Noninterest expense to average assets | 3.4004% | 1,666 |
| Loan and lease loss provision to assets | 0.1096% | 2,215 |
| Net operating income to assets | 0.8827% | 3,004 |
| Return on assets (ROA) | 0.8901% | 3,056 |
| Pretax return on assets | 1.2950% | 2,394 |
| Return on Equity (ROE) | 9.2514% | 2,568 |
| Retained earnings to average equity (ytd only) | 9.0528% | 983 |
| Net charge-offs to loans | 0.0249% | 4,008 |
| Credit loss provision to net charge-offs | 623.9130% | 480 |
| Earnings coverage of net charge-offs (x) | 79.3284% | 708 |
| Efficiency ratio | 70.9243% | 3,353 |
| Assets per employee ($millions) | 4.1531% | 3,562 |
| Cash dividends to net income (ytd only)* | 2.1461% | 3,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8299% | 5,797 |
| Loan loss allowance to noncurrent loans | 16,378.5714% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 5,354 |
| Noncurrent loans to loans | 0.0051% | 6,024 |
| Net loans and leases to total assets | 72.5045% | 1,764 |
| Net loans and leases to deposits | 88.4536% | 1,618 |
| Net loans and leases to core deposits | 96.5250% | 1,633 |
| Total domestic deposits to total assets | 81.9689% | 4,485 |
| Equity capital to assets | 9.2400% | 5,098 |
| Core capital (leverage) ratio | 9.3422% | 4,581 |
| Tier 1 risk-based capital ratio | 11.4498% | 5,814 |
| Total risk-based capital ratio | 12.2285% | 5,949 |
| Memoranda: | ||
| Average total assets | $349,014,000 | 1,873 |
| Average earning assets | $319,650,750 | 1,880 |
| Average equity | $33,579,750 | 2,078 |
| Average total loans | $246,494,500 | 1,720 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 1,945 |
| Cost of funding earning assets | 0.2916% | 5,056 |
| Net interest margin | 4.1740% | 1,301 |
| Noninterest income to average assets | 0.8309% | 1,732 |
| Noninterest expense to average assets | 3.4092% | 1,658 |
| Loan and lease loss provision to assets | 0.0884% | 2,555 |
| Net operating income to assets | 0.7987% | 3,346 |
| Return on assets (ROA) | 0.8097% | 3,382 |
| Pretax return on assets | 1.1710% | 2,796 |
| Return on Equity (ROE) | 8.2939% | 2,934 |
| Retained earnings to average equity (ytd only) | 8.2939% | 1,212 |
| Net charge-offs to loans | 0.0372% | 3,479 |
| Credit loss provision to net charge-offs | 340.9091% | 777 |
| Earnings coverage of net charge-offs (x) | 47.9545% | 934 |
| Efficiency ratio | 73.2742% | 3,109 |
| Assets per employee ($millions) | 3.8684% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8343% | 5,897 |
| Loan loss allowance to noncurrent loans | 1,205.0279% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 4,844 |
| Noncurrent loans to loans | 0.0692% | 5,817 |
| Net loans and leases to total assets | 73.6395% | 1,485 |
| Net loans and leases to deposits | 84.0915% | 2,028 |
| Net loans and leases to core deposits | 91.4911% | 1,976 |
| Total domestic deposits to total assets | 87.5707% | 2,156 |
| Equity capital to assets | 9.7664% | 4,410 |
| Core capital (leverage) ratio | 9.8028% | 3,883 |
| Tier 1 risk-based capital ratio | 12.0207% | 5,530 |
| Total risk-based capital ratio | 12.8111% | 5,720 |
| Memoranda: | ||
| Average total assets | $339,375,000 | 1,921 |
| Average earning assets | $310,729,670 | 1,935 |
| Average equity | $33,132,670 | 2,089 |
| Average total loans | $236,556,000 | 1,780 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3357% | 2,386 |
| Cost of funding earning assets | 0.2933% | 5,145 |
| Net interest margin | 4.0424% | 1,622 |
| Noninterest income to average assets | 0.7666% | 1,884 |
| Noninterest expense to average assets | 3.3936% | 1,719 |
| Loan and lease loss provision to assets | 0.0896% | 2,423 |
| Net operating income to assets | 0.6878% | 3,752 |
| Return on assets (ROA) | 0.6878% | 3,827 |
| Pretax return on assets | 0.9863% | 3,381 |
| Return on Equity (ROE) | 7.0463% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.0463% | 2,027 |
| Net charge-offs to loans | -0.0177% | 5,299 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9284% | 2,817 |
| Assets per employee ($millions) | 3.7409% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 5,693 |
| Loan loss allowance to noncurrent loans | 3,052.8571% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 4,805 |
| Noncurrent loans to loans | 0.0312% | 6,058 |
| Net loans and leases to total assets | 66.0402% | 2,557 |
| Net loans and leases to deposits | 73.8236% | 3,091 |
| Net loans and leases to core deposits | 80.2322% | 2,943 |
| Total domestic deposits to total assets | 89.4567% | 1,390 |
| Equity capital to assets | 9.8501% | 4,033 |
| Core capital (leverage) ratio | 9.6374% | 4,086 |
| Tier 1 risk-based capital ratio | 12.8299% | 5,105 |
| Total risk-based capital ratio | 13.6869% | 5,288 |
| Memoranda: | ||
| Average total assets | $334,985,500 | 1,956 |
| Average earning assets | $306,849,000 | 1,969 |
| Average equity | $32,698,000 | 2,108 |
| Average total loans | $225,566,000 | 1,857 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 2,268 |
| Cost of funding earning assets | 0.3683% | 4,974 |
| Net interest margin | 4.1171% | 1,602 |
| Noninterest income to average assets | 0.7696% | 2,216 |
| Noninterest expense to average assets | 3.2464% | 2,290 |
| Loan and lease loss provision to assets | 0.0305% | 4,500 |
| Net operating income to assets | 0.8316% | 3,129 |
| Return on assets (ROA) | 0.8322% | 3,210 |
| Pretax return on assets | 1.2182% | 2,507 |
| Return on Equity (ROE) | 8.7847% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.7847% | 824 |
| Net charge-offs to loans | 0.0104% | 5,241 |
| Credit loss provision to net charge-offs | 434.7826% | 524 |
| Earnings coverage of net charge-offs (x) | 177.6522% | 258 |
| Efficiency ratio | 72.2343% | 3,435 |
| Assets per employee ($millions) | 3.7874% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 5,906 |
| Loan loss allowance to noncurrent loans | 11,405.5556% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 4,952 |
| Noncurrent loans to loans | 0.0079% | 6,271 |
| Net loans and leases to total assets | 67.3880% | 2,460 |
| Net loans and leases to deposits | 74.9541% | 3,107 |
| Net loans and leases to core deposits | 80.9801% | 3,012 |
| Total domestic deposits to total assets | 89.9056% | 1,127 |
| Equity capital to assets | 9.6710% | 4,193 |
| Core capital (leverage) ratio | 9.4737% | 4,308 |
| Tier 1 risk-based capital ratio | 12.7305% | 5,153 |
| Total risk-based capital ratio | 13.5631% | 5,348 |
| Memoranda: | ||
| Average total assets | $327,441,000 | 1,969 |
| Average earning assets | $296,225,400 | 2,001 |
| Average equity | $31,019,800 | 2,192 |
| Average total loans | $221,951,400 | 1,845 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4322% | 2,488 |
| Cost of funding earning assets | 0.3877% | 4,922 |
| Net interest margin | 4.0445% | 1,807 |
| Noninterest income to average assets | 0.7804% | 2,246 |
| Noninterest expense to average assets | 3.1490% | 2,508 |
| Loan and lease loss provision to assets | 0.0409% | 4,189 |
| Net operating income to assets | 0.8430% | 3,133 |
| Return on assets (ROA) | 0.8438% | 3,250 |
| Pretax return on assets | 1.2401% | 2,550 |
| Return on Equity (ROE) | 8.9548% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.9548% | 1,070 |
| Net charge-offs to loans | 0.0236% | 4,662 |
| Credit loss provision to net charge-offs | 256.4103% | 968 |
| Earnings coverage of net charge-offs (x) | 80.2288% | 591 |
| Efficiency ratio | 71.1027% | 3,589 |
| Assets per employee ($millions) | 4.0602% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8549% | 6,171 |
| Loan loss allowance to noncurrent loans | 9,695.2381% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 4,596 |
| Noncurrent loans to loans | 0.0088% | 6,353 |
| Net loans and leases to total assets | 67.6226% | 2,349 |
| Net loans and leases to deposits | 76.6770% | 2,862 |
| Net loans and leases to core deposits | 82.6085% | 2,819 |
| Total domestic deposits to total assets | 88.1915% | 2,005 |
| Equity capital to assets | 9.0084% | 5,175 |
| Core capital (leverage) ratio | 9.4267% | 4,507 |
| Tier 1 risk-based capital ratio | 12.0527% | 5,752 |
| Total risk-based capital ratio | 12.8510% | 5,971 |
| Memoranda: | ||
| Average total assets | $325,977,750 | 1,985 |
| Average earning assets | $294,056,000 | 2,021 |
| Average equity | $30,716,500 | 2,236 |
| Average total loans | $220,776,000 | 1,856 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 2,911 |
| Cost of funding earning assets | 0.3932% | 5,001 |
| Net interest margin | 3.9166% | 2,162 |
| Noninterest income to average assets | 0.7931% | 2,214 |
| Noninterest expense to average assets | 3.1705% | 2,438 |
| Loan and lease loss provision to assets | 0.0314% | 4,301 |
| Net operating income to assets | 0.8094% | 3,237 |
| Return on assets (ROA) | 0.8094% | 3,393 |
| Pretax return on assets | 1.1903% | 2,717 |
| Return on Equity (ROE) | 8.4541% | 2,875 |
| Retained earnings to average equity (ytd only) | 8.4541% | 1,312 |
| Net charge-offs to loans | 0.0093% | 4,700 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 194.4000% | 264 |
| Efficiency ratio | 72.1849% | 3,438 |
| Assets per employee ($millions) | 3.9562% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8957% | 6,143 |
| Loan loss allowance to noncurrent loans | 1,938.4615% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.6782% | 4,525 |
| Noncurrent loans to loans | 0.0462% | 6,253 |
| Net loans and leases to total assets | 67.9318% | 2,248 |
| Net loans and leases to deposits | 75.4031% | 2,959 |
| Net loans and leases to core deposits | 82.0321% | 2,798 |
| Total domestic deposits to total assets | 90.0915% | 973 |
| Equity capital to assets | 9.3691% | 4,757 |
| Core capital (leverage) ratio | 9.5053% | 4,239 |
| Tier 1 risk-based capital ratio | 12.5148% | 5,486 |
| Total risk-based capital ratio | 13.3571% | 5,678 |
| Memoranda: | ||
| Average total assets | $318,246,000 | 2,032 |
| Average earning assets | $292,450,670 | 2,033 |
| Average equity | $30,470,330 | 2,250 |
| Average total loans | $214,982,670 | 1,904 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 3,083 |
| Cost of funding earning assets | 0.3961% | 5,145 |
| Net interest margin | 3.8579% | 2,252 |
| Noninterest income to average assets | 0.7791% | 2,218 |
| Noninterest expense to average assets | 3.1330% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8097% | 3,104 |
| Return on assets (ROA) | 0.8097% | 3,238 |
| Pretax return on assets | 1.1916% | 2,608 |
| Return on Equity (ROE) | 8.3633% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.3633% | 1,622 |
| Net charge-offs to loans | 0.0191% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 93.3000% | 410 |
| Efficiency ratio | 72.4454% | 3,532 |
| Assets per employee ($millions) | 3.8429% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 6,116 |
| Loan loss allowance to noncurrent loans | 2,026.8041% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 4,523 |
| Noncurrent loans to loans | 0.0472% | 6,343 |
| Net loans and leases to total assets | 64.5570% | 2,604 |
| Net loans and leases to deposits | 72.0290% | 3,179 |
| Net loans and leases to core deposits | 78.6256% | 2,978 |
| Total domestic deposits to total assets | 89.6263% | 1,279 |
| Equity capital to assets | 9.7216% | 4,532 |
| Core capital (leverage) ratio | 9.4600% | 4,146 |
| Tier 1 risk-based capital ratio | 12.9781% | 5,237 |
| Total risk-based capital ratio | 13.8491% | 5,464 |
| Memoranda: | ||
| Average total assets | $313,186,000 | 2,094 |
| Average earning assets | $287,828,500 | 2,102 |
| Average equity | $30,323,000 | 2,275 |
| Average total loans | $209,933,500 | 1,944 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 1,885 |
| Cost of funding earning assets | 0.4831% | 5,330 |
| Net interest margin | 4.4028% | 1,158 |
| Noninterest income to average assets | 0.8592% | 1,997 |
| Noninterest expense to average assets | 3.3574% | 2,161 |
| Loan and lease loss provision to assets | 0.1226% | 4,088 |
| Net operating income to assets | 0.9470% | 2,565 |
| Return on assets (ROA) | 0.9864% | 2,621 |
| Pretax return on assets | 1.4746% | 1,763 |
| Return on Equity (ROE) | 10.1730% | 2,098 |
| Retained earnings to average equity (ytd only) | 10.1730% | 565 |
| Net charge-offs to loans | 0.0357% | 5,421 |
| Credit loss provision to net charge-offs | 486.1111% | 501 |
| Earnings coverage of net charge-offs (x) | 60.9722% | 590 |
| Efficiency ratio | 68.5778% | 4,038 |
| Assets per employee ($millions) | 3.8907% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 6,220 |
| Loan loss allowance to noncurrent loans | 24,687.5000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 5,035 |
| Noncurrent loans to loans | 0.0037% | 6,582 |
| Net loans and leases to total assets | 68.2707% | 2,139 |
| Net loans and leases to deposits | 76.0347% | 2,806 |
| Net loans and leases to core deposits | 82.9209% | 2,677 |
| Total domestic deposits to total assets | 89.7889% | 1,074 |
| Equity capital to assets | 9.6422% | 4,675 |
| Core capital (leverage) ratio | 9.6268% | 3,922 |
| Tier 1 risk-based capital ratio | 12.5221% | 5,457 |
| Total risk-based capital ratio | 13.3854% | 5,662 |
| Memoranda: | ||
| Average total assets | $285,369,200 | 2,234 |
| Average earning assets | $261,630,600 | 2,219 |
| Average equity | $27,671,400 | 2,428 |
| Average total loans | $201,683,000 | 1,989 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9210% | 1,936 |
| Cost of funding earning assets | 0.5034% | 5,413 |
| Net interest margin | 4.4176% | 1,166 |
| Noninterest income to average assets | 0.9026% | 1,814 |
| Noninterest expense to average assets | 3.3421% | 2,153 |
| Loan and lease loss provision to assets | 0.1315% | 3,905 |
| Net operating income to assets | 0.9918% | 2,550 |
| Return on assets (ROA) | 0.9944% | 2,765 |
| Pretax return on assets | 1.4896% | 1,920 |
| Return on Equity (ROE) | 10.2386% | 2,235 |
| Retained earnings to average equity (ytd only) | 10.2386% | 855 |
| Net charge-offs to loans | 0.0531% | 4,909 |
| Credit loss provision to net charge-offs | 348.1013% | 772 |
| Earnings coverage of net charge-offs (x) | 42.8230% | 836 |
| Efficiency ratio | 67.3896% | 4,199 |
| Assets per employee ($millions) | 3.7906% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 6,486 |
| Loan loss allowance to noncurrent loans | 13,521.4286% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 5,023 |
| Noncurrent loans to loans | 0.0064% | 6,665 |
| Net loans and leases to total assets | 73.8203% | 1,272 |
| Net loans and leases to deposits | 82.4310% | 2,061 |
| Net loans and leases to core deposits | 89.6341% | 2,035 |
| Total domestic deposits to total assets | 89.5540% | 1,092 |
| Equity capital to assets | 9.5903% | 5,083 |
| Core capital (leverage) ratio | 9.2171% | 4,732 |
| Tier 1 risk-based capital ratio | 11.7631% | 6,075 |
| Total risk-based capital ratio | 12.5907% | 6,296 |
| Memoranda: | ||
| Average total assets | $278,897,000 | 2,305 |
| Average earning assets | $256,122,750 | 2,290 |
| Average equity | $27,086,250 | 2,495 |
| Average total loans | $198,485,500 | 2,040 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 2,271 |
| Cost of funding earning assets | 0.5212% | 5,475 |
| Net interest margin | 4.3372% | 1,372 |
| Noninterest income to average assets | 0.8913% | 1,817 |
| Noninterest expense to average assets | 3.3223% | 2,248 |
| Loan and lease loss provision to assets | 0.1281% | 3,922 |
| Net operating income to assets | 0.9542% | 2,643 |
| Return on assets (ROA) | 0.9542% | 2,892 |
| Pretax return on assets | 1.4299% | 2,090 |
| Return on Equity (ROE) | 9.7812% | 2,457 |
| Retained earnings to average equity (ytd only) | 9.7812% | 1,040 |
| Net charge-offs to loans | 0.0680% | 4,477 |
| Credit loss provision to net charge-offs | 269.2308% | 1,077 |
| Earnings coverage of net charge-offs (x) | 32.7538% | 1,016 |
| Efficiency ratio | 68.0762% | 4,104 |
| Assets per employee ($millions) | 3.7375% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 6,544 |
| Loan loss allowance to noncurrent loans | 1,204.6667% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.7269% | 4,979 |
| Noncurrent loans to loans | 0.0716% | 6,490 |
| Net loans and leases to total assets | 72.1722% | 1,528 |
| Net loans and leases to deposits | 80.5487% | 2,306 |
| Net loans and leases to core deposits | 88.0545% | 2,202 |
| Total domestic deposits to total assets | 89.6007% | 1,161 |
| Equity capital to assets | 9.5348% | 5,013 |
| Core capital (leverage) ratio | 9.4788% | 4,167 |
| Tier 1 risk-based capital ratio | 11.9237% | 5,978 |
| Total risk-based capital ratio | 12.7486% | 6,195 |
| Memoranda: | ||
| Average total assets | $273,308,000 | 2,345 |
| Average earning assets | $251,357,670 | 2,344 |
| Average equity | $26,663,330 | 2,510 |
| Average total loans | $191,263,000 | 2,109 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 2,500 |
| Cost of funding earning assets | 0.5457% | 5,520 |
| Net interest margin | 4.2905% | 1,503 |
| Noninterest income to average assets | 0.8840% | 1,819 |
| Noninterest expense to average assets | 3.2142% | 2,557 |
| Loan and lease loss provision to assets | 0.1128% | 3,946 |
| Net operating income to assets | 0.9757% | 2,573 |
| Return on assets (ROA) | 0.9757% | 2,780 |
| Pretax return on assets | 1.5049% | 1,860 |
| Return on Equity (ROE) | 9.8801% | 2,442 |
| Retained earnings to average equity (ytd only) | 9.8801% | 1,296 |
| Net charge-offs to loans | 0.0659% | 3,832 |
| Credit loss provision to net charge-offs | 250.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 35.8667% | 818 |
| Efficiency ratio | 66.5215% | 4,456 |
| Assets per employee ($millions) | 3.6704% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 6,427 |
| Loan loss allowance to noncurrent loans | 256.5538% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.9782% | 4,552 |
| Noncurrent loans to loans | 0.3691% | 5,929 |
| Net loans and leases to total assets | 68.0025% | 2,120 |
| Net loans and leases to deposits | 76.2231% | 2,765 |
| Net loans and leases to core deposits | 83.4349% | 2,616 |
| Total domestic deposits to total assets | 89.2151% | 1,544 |
| Equity capital to assets | 9.9059% | 4,248 |
| Core capital (leverage) ratio | 9.7565% | 3,700 |
| Tier 1 risk-based capital ratio | 13.0854% | 5,142 |
| Total risk-based capital ratio | 13.9809% | 5,382 |
| Memoranda: | ||
| Average total assets | $266,068,000 | 2,419 |
| Average earning assets | $244,820,000 | 2,412 |
| Average equity | $26,275,000 | 2,550 |
| Average total loans | $182,139,500 | 2,208 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2712% | 1,799 |
| Cost of funding earning assets | 0.7773% | 5,023 |
| Net interest margin | 4.4939% | 1,146 |
| Noninterest income to average assets | 0.6036% | 3,142 |
| Noninterest expense to average assets | 3.3128% | 2,483 |
| Loan and lease loss provision to assets | 0.1536% | 4,702 |
| Net operating income to assets | 0.8457% | 2,849 |
| Return on assets (ROA) | 0.8812% | 2,818 |
| Pretax return on assets | 1.3289% | 2,021 |
| Return on Equity (ROE) | 9.2006% | 2,365 |
| Retained earnings to average equity (ytd only) | 8.3988% | 952 |
| Net charge-offs to loans | 0.2625% | 4,127 |
| Credit loss provision to net charge-offs | 82.9876% | 4,329 |
| Earnings coverage of net charge-offs (x) | 7.7199% | 2,283 |
| Efficiency ratio | 69.8680% | 3,989 |
| Assets per employee ($millions) | 3.8852% | 4,117 |
| Cash dividends to net income (ytd only)* | 8.7146% | 3,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 6,426 |
| Loan loss allowance to noncurrent loans | 4,351.2821% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.7347% | 5,175 |
| Noncurrent loans to loans | 0.0216% | 6,773 |
| Net loans and leases to total assets | 67.6142% | 2,467 |
| Net loans and leases to deposits | 75.6571% | 3,226 |
| Net loans and leases to core deposits | 81.4776% | 3,251 |
| Total domestic deposits to total assets | 89.3693% | 1,325 |
| Equity capital to assets | 9.8442% | 4,377 |
| Core capital (leverage) ratio | 9.7648% | 3,654 |
| Tier 1 risk-based capital ratio | 13.2477% | 4,876 |
| Total risk-based capital ratio | 14.1544% | 5,128 |
| Memoranda: | ||
| Average total assets | $260,440,800 | 2,424 |
| Average earning assets | $239,813,400 | 2,406 |
| Average equity | $24,944,000 | 2,588 |
| Average total loans | $183,589,600 | 2,190 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2567% | 2,003 |
| Cost of funding earning assets | 0.8382% | 4,871 |
| Net interest margin | 4.4185% | 1,354 |
| Noninterest income to average assets | 0.6032% | 3,145 |
| Noninterest expense to average assets | 3.3037% | 2,484 |
| Loan and lease loss provision to assets | 0.2055% | 3,967 |
| Net operating income to assets | 0.7720% | 3,292 |
| Return on assets (ROA) | 0.8195% | 3,230 |
| Pretax return on assets | 1.2367% | 2,499 |
| Return on Equity (ROE) | 8.6174% | 2,775 |
| Retained earnings to average equity (ytd only) | 8.2123% | 1,424 |
| Net charge-offs to loans | 0.3413% | 3,392 |
| Credit loss provision to net charge-offs | 84.7458% | 3,970 |
| Earnings coverage of net charge-offs (x) | 5.6504% | 2,732 |
| Efficiency ratio | 70.6826% | 3,819 |
| Assets per employee ($millions) | 3.6192% | 4,710 |
| Cash dividends to net income (ytd only)* | 4.7023% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 6,565 |
| Loan loss allowance to noncurrent loans | 9,483.3333% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.7965% | 5,176 |
| Noncurrent loans to loans | 0.0096% | 6,937 |
| Net loans and leases to total assets | 74.3579% | 1,261 |
| Net loans and leases to deposits | 83.8052% | 2,033 |
| Net loans and leases to core deposits | 90.8903% | 2,140 |
| Total domestic deposits to total assets | 88.7271% | 1,598 |
| Equity capital to assets | 10.1993% | 4,087 |
| Core capital (leverage) ratio | 9.5461% | 4,087 |
| Tier 1 risk-based capital ratio | 12.8050% | 5,243 |
| Total risk-based capital ratio | 13.7078% | 5,521 |
| Memoranda: | ||
| Average total assets | $259,502,000 | 2,440 |
| Average earning assets | $239,079,750 | 2,414 |
| Average equity | $24,678,000 | 2,616 |
| Average total loans | $184,404,250 | 2,205 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1000% | 2,685 |
| Cost of funding earning assets | 0.8812% | 4,820 |
| Net interest margin | 4.2188% | 1,960 |
| Noninterest income to average assets | 0.5792% | 3,273 |
| Noninterest expense to average assets | 3.2143% | 2,850 |
| Loan and lease loss provision to assets | 0.2664% | 3,271 |
| Net operating income to assets | 0.6591% | 3,749 |
| Return on assets (ROA) | 0.7299% | 3,504 |
| Pretax return on assets | 1.1014% | 2,844 |
| Return on Equity (ROE) | 7.8561% | 3,012 |
| Retained earnings to average equity (ytd only) | 7.8561% | 1,510 |
| Net charge-offs to loans | 0.5343% | 2,496 |
| Credit loss provision to net charge-offs | 71.4286% | 4,019 |
| Earnings coverage of net charge-offs (x) | 3.3796% | 3,194 |
| Efficiency ratio | 71.8319% | 3,771 |
| Assets per employee ($millions) | 3.7194% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 6,685 |
| Loan loss allowance to noncurrent loans | 1,425.2174% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.9786% | 4,907 |
| Noncurrent loans to loans | 0.0624% | 6,829 |
| Net loans and leases to total assets | 70.1693% | 2,187 |
| Net loans and leases to deposits | 78.3726% | 3,062 |
| Net loans and leases to core deposits | 85.4404% | 3,004 |
| Total domestic deposits to total assets | 89.5329% | 1,220 |
| Equity capital to assets | 9.5622% | 4,720 |
| Core capital (leverage) ratio | 9.0176% | 4,689 |
| Tier 1 risk-based capital ratio | 12.1576% | 5,657 |
| Total risk-based capital ratio | 13.0004% | 5,974 |
| Memoranda: | ||
| Average total assets | $262,762,000 | 2,433 |
| Average earning assets | $242,627,670 | 2,397 |
| Average equity | $24,414,000 | 2,619 |
| Average total loans | $183,407,330 | 2,242 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0647% | 2,800 |
| Cost of funding earning assets | 0.9022% | 4,906 |
| Net interest margin | 4.1625% | 2,022 |
| Noninterest income to average assets | 0.5698% | 3,368 |
| Noninterest expense to average assets | 3.1929% | 2,919 |
| Loan and lease loss provision to assets | 0.1894% | 3,732 |
| Net operating income to assets | 0.6789% | 3,616 |
| Return on assets (ROA) | 0.6789% | 3,682 |
| Pretax return on assets | 1.0259% | 3,040 |
| Return on Equity (ROE) | 7.4132% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.4132% | 1,980 |
| Net charge-offs to loans | 0.3892% | 2,521 |
| Credit loss provision to net charge-offs | 70.2247% | 3,348 |
| Earnings coverage of net charge-offs (x) | 4.5056% | 2,464 |
| Efficiency ratio | 72.4304% | 3,783 |
| Assets per employee ($millions) | 3.7875% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 6,472 |
| Loan loss allowance to noncurrent loans | 1,215.4930% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 5,585 |
| Noncurrent loans to loans | 0.0805% | 6,839 |
| Net loans and leases to total assets | 65.9068% | 3,035 |
| Net loans and leases to deposits | 73.3308% | 3,870 |
| Net loans and leases to core deposits | 79.7082% | 3,796 |
| Total domestic deposits to total assets | 89.8760% | 1,230 |
| Equity capital to assets | 9.2044% | 4,866 |
| Core capital (leverage) ratio | 8.6415% | 5,188 |
| Tier 1 risk-based capital ratio | 12.1263% | 5,572 |
| Total risk-based capital ratio | 13.0316% | 5,880 |
| Memoranda: | ||
| Average total assets | $263,963,500 | 2,436 |
| Average earning assets | $243,411,000 | 2,416 |
| Average equity | $24,173,000 | 2,628 |
| Average total loans | $182,945,500 | 2,278 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7843% | 1,319 |
| Cost of funding earning assets | 1.1415% | 4,899 |
| Net interest margin | 4.6428% | 924 |
| Noninterest income to average assets | 0.5936% | 3,518 |
| Noninterest expense to average assets | 3.2490% | 2,918 |
| Loan and lease loss provision to assets | 0.2764% | 4,598 |
| Net operating income to assets | 0.8664% | 2,530 |
| Return on assets (ROA) | 0.8664% | 2,666 |
| Pretax return on assets | 1.3139% | 1,899 |
| Return on Equity (ROE) | 9.4328% | 2,135 |
| Retained earnings to average equity (ytd only) | 7.6884% | 1,084 |
| Net charge-offs to loans | 0.1146% | 5,732 |
| Credit loss provision to net charge-offs | 315.0685% | 833 |
| Earnings coverage of net charge-offs (x) | 18.1279% | 1,115 |
| Efficiency ratio | 67.1385% | 4,736 |
| Assets per employee ($millions) | 3.8648% | 4,095 |
| Cash dividends to net income (ytd only)* | 18.4928% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 6,607 |
| Loan loss allowance to noncurrent loans | 299.1597% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.9235% | 5,171 |
| Noncurrent loans to loans | 0.3141% | 6,426 |
| Net loans and leases to total assets | 71.4034% | 2,216 |
| Net loans and leases to deposits | 79.4290% | 3,269 |
| Net loans and leases to core deposits | 86.8353% | 3,211 |
| Total domestic deposits to total assets | 89.8959% | 1,162 |
| Equity capital to assets | 9.1106% | 4,979 |
| Core capital (leverage) ratio | 8.7551% | 4,929 |
| Tier 1 risk-based capital ratio | 11.2444% | 6,137 |
| Total risk-based capital ratio | 12.1290% | 6,399 |
| Memoranda: | ||
| Average total assets | $249,646,800 | 2,548 |
| Average earning assets | $228,289,800 | 2,543 |
| Average equity | $22,930,600 | 2,774 |
| Average total loans | $191,081,400 | 2,241 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8103% | 1,365 |
| Cost of funding earning assets | 1.1833% | 4,965 |
| Net interest margin | 4.6270% | 985 |
| Noninterest income to average assets | 0.5926% | 3,490 |
| Noninterest expense to average assets | 3.2196% | 2,859 |
| Loan and lease loss provision to assets | 0.3328% | 3,943 |
| Net operating income to assets | 0.8362% | 2,857 |
| Return on assets (ROA) | 0.8362% | 2,988 |
| Pretax return on assets | 1.2686% | 2,264 |
| Return on Equity (ROE) | 9.0837% | 2,461 |
| Retained earnings to average equity (ytd only) | 6.7554% | 1,967 |
| Net charge-offs to loans | 0.1100% | 5,435 |
| Credit loss provision to net charge-offs | 389.2405% | 790 |
| Earnings coverage of net charge-offs (x) | 18.7280% | 1,239 |
| Efficiency ratio | 66.7827% | 4,700 |
| Assets per employee ($millions) | 3.5844% | 4,765 |
| Cash dividends to net income (ytd only)* | 25.6312% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 6,810 |
| Loan loss allowance to noncurrent loans | 157.0285% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 5,179 |
| Noncurrent loans to loans | 0.5592% | 6,084 |
| Net loans and leases to total assets | 79.4022% | 838 |
| Net loans and leases to deposits | 88.8399% | 1,885 |
| Net loans and leases to core deposits | 96.3665% | 2,219 |
| Total domestic deposits to total assets | 89.3767% | 1,189 |
| Equity capital to assets | 9.3312% | 5,086 |
| Core capital (leverage) ratio | 8.9628% | 4,746 |
| Tier 1 risk-based capital ratio | 10.7914% | 6,556 |
| Total risk-based capital ratio | 11.6557% | 6,829 |
| Memoranda: | ||
| Average total assets | $246,357,500 | 2,611 |
| Average earning assets | $225,134,750 | 2,603 |
| Average equity | $22,677,500 | 2,847 |
| Average total loans | $191,494,000 | 2,271 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6945% | 1,790 |
| Cost of funding earning assets | 1.2332% | 4,939 |
| Net interest margin | 4.4613% | 1,287 |
| Noninterest income to average assets | 0.5906% | 3,409 |
| Noninterest expense to average assets | 3.1376% | 3,157 |
| Loan and lease loss provision to assets | 0.3472% | 3,642 |
| Net operating income to assets | 0.7809% | 3,061 |
| Return on assets (ROA) | 0.7809% | 3,205 |
| Pretax return on assets | 1.1869% | 2,460 |
| Return on Equity (ROE) | 8.5234% | 2,655 |
| Retained earnings to average equity (ytd only) | 4.9928% | 2,902 |
| Net charge-offs to loans | 0.1561% | 4,696 |
| Credit loss provision to net charge-offs | 289.1156% | 1,284 |
| Earnings coverage of net charge-offs (x) | 12.7755% | 1,651 |
| Efficiency ratio | 67.1621% | 4,734 |
| Assets per employee ($millions) | 3.4848% | 4,961 |
| Cash dividends to net income (ytd only)* | 41.4226% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8204% | 6,988 |
| Loan loss allowance to noncurrent loans | 97.1219% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.9106% | 5,297 |
| Noncurrent loans to loans | 0.8448% | 5,585 |
| Net loans and leases to total assets | 77.4900% | 1,197 |
| Net loans and leases to deposits | 88.5259% | 2,088 |
| Net loans and leases to core deposits | 95.1734% | 2,562 |
| Total domestic deposits to total assets | 87.5337% | 2,240 |
| Equity capital to assets | 9.2240% | 5,110 |
| Core capital (leverage) ratio | 8.7938% | 4,924 |
| Tier 1 risk-based capital ratio | 10.8582% | 6,392 |
| Total risk-based capital ratio | 11.6614% | 6,741 |
| Memoranda: | ||
| Average total assets | $244,840,000 | 2,655 |
| Average earning assets | $223,972,330 | 2,639 |
| Average equity | $22,432,330 | 2,871 |
| Average total loans | $188,327,670 | 2,327 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4959% | 2,595 |
| Cost of funding earning assets | 1.2676% | 5,019 |
| Net interest margin | 4.2283% | 1,937 |
| Noninterest income to average assets | 0.5929% | 3,324 |
| Noninterest expense to average assets | 2.9497% | 3,856 |
| Loan and lease loss provision to assets | 0.5748% | 2,193 |
| Net operating income to assets | 0.6142% | 3,838 |
| Return on assets (ROA) | 0.6142% | 3,981 |
| Pretax return on assets | 0.9362% | 3,324 |
| Return on Equity (ROE) | 6.7274% | 3,492 |
| Retained earnings to average equity (ytd only) | -0.3957% | 5,922 |
| Net charge-offs to loans | 0.2561% | 3,404 |
| Credit loss provision to net charge-offs | 294.1176% | 1,350 |
| Earnings coverage of net charge-offs (x) | 7.7311% | 2,047 |
| Efficiency ratio | 66.1267% | 5,088 |
| Assets per employee ($millions) | 3.7198% | 4,527 |
| Cash dividends to net income (ytd only)* | 105.8824% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 7,011 |
| Loan loss allowance to noncurrent loans | 324.0000% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 6,137 |
| Noncurrent loans to loans | 0.2605% | 6,806 |
| Net loans and leases to total assets | 72.5495% | 2,313 |
| Net loans and leases to deposits | 80.6711% | 3,519 |
| Net loans and leases to core deposits | 85.6329% | 3,954 |
| Total domestic deposits to total assets | 89.9325% | 1,022 |
| Equity capital to assets | 8.9224% | 5,388 |
| Core capital (leverage) ratio | 8.6676% | 5,079 |
| Tier 1 risk-based capital ratio | 10.8184% | 6,330 |
| Total risk-based capital ratio | 11.6174% | 6,743 |
| Memoranda: | ||
| Average total assets | $243,550,500 | 2,724 |
| Average earning assets | $222,783,500 | 2,702 |
| Average equity | $22,237,500 | 2,912 |
| Average total loans | $185,836,000 | 2,418 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1823% | 1,286 |
| Cost of funding earning assets | 1.5969% | 5,040 |
| Net interest margin | 4.5855% | 1,009 |
| Noninterest income to average assets | 0.6707% | 3,153 |
| Noninterest expense to average assets | 3.4220% | 2,610 |
| Loan and lease loss provision to assets | 0.1916% | 5,808 |
| Net operating income to assets | 0.8024% | 2,531 |
| Return on assets (ROA) | 0.8103% | 2,580 |
| Pretax return on assets | 1.2312% | 1,866 |
| Return on Equity (ROE) | 8.5132% | 2,191 |
| Retained earnings to average equity (ytd only) | 6.7853% | 1,041 |
| Net charge-offs to loans | 0.1038% | 6,106 |
| Credit loss provision to net charge-offs | 226.8421% | 1,642 |
| Earnings coverage of net charge-offs (x) | 16.7053% | 1,237 |
| Efficiency ratio | 70.8084% | 4,474 |
| Assets per employee ($millions) | 3.4981% | 5,004 |
| Cash dividends to net income (ytd only)* | 20.2962% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6909% | 7,393 |
| Loan loss allowance to noncurrent loans | 195.5157% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 6,749 |
| Noncurrent loans to loans | 0.3534% | 6,568 |
| Net loans and leases to total assets | 79.0385% | 1,171 |
| Net loans and leases to deposits | 88.4496% | 2,482 |
| Net loans and leases to core deposits | 121.1636% | 1,863 |
| Total domestic deposits to total assets | 89.3599% | 1,288 |
| Equity capital to assets | 9.3486% | 4,634 |
| Core capital (leverage) ratio | 8.8147% | 4,745 |
| Tier 1 risk-based capital ratio | 10.7040% | 6,201 |
| Total risk-based capital ratio | 11.3751% | 6,734 |
| Memoranda: | ||
| Average total assets | $224,983,000 | 2,877 |
| Average earning assets | $204,211,000 | 2,913 |
| Average equity | $21,413,800 | 3,024 |
| Average total loans | $183,088,400 | 2,477 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1676% | 1,452 |
| Cost of funding earning assets | 1.6440% | 5,191 |
| Net interest margin | 4.5236% | 1,135 |
| Noninterest income to average assets | 0.6770% | 3,175 |
| Noninterest expense to average assets | 3.5184% | 2,234 |
| Loan and lease loss provision to assets | 0.1870% | 5,505 |
| Net operating income to assets | 0.7084% | 3,173 |
| Return on assets (ROA) | 0.7191% | 3,209 |
| Pretax return on assets | 1.0906% | 2,612 |
| Return on Equity (ROE) | 7.5191% | 2,858 |
| Retained earnings to average equity (ytd only) | 6.3246% | 1,805 |
| Net charge-offs to loans | 0.1381% | 5,318 |
| Credit loss provision to net charge-offs | 165.4255% | 2,847 |
| Earnings coverage of net charge-offs (x) | 11.1596% | 1,880 |
| Efficiency ratio | 73.6101% | 3,937 |
| Assets per employee ($millions) | 3.5601% | 4,786 |
| Cash dividends to net income (ytd only)* | 15.8864% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6192% | 7,549 |
| Loan loss allowance to noncurrent loans | 313.1579% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 7,102 |
| Noncurrent loans to loans | 0.1977% | 7,008 |
| Net loans and leases to total assets | 81.2844% | 931 |
| Net loans and leases to deposits | 91.0369% | 2,387 |
| Net loans and leases to core deposits | 125.0720% | 1,807 |
| Total domestic deposits to total assets | 89.2873% | 1,064 |
| Equity capital to assets | 9.2805% | 5,065 |
| Core capital (leverage) ratio | 9.0391% | 4,590 |
| Tier 1 risk-based capital ratio | 10.4740% | 6,497 |
| Total risk-based capital ratio | 11.0849% | 7,071 |
| Memoranda: | ||
| Average total assets | $221,760,250 | 2,938 |
| Average earning assets | $201,133,500 | 2,967 |
| Average equity | $21,207,750 | 3,072 |
| Average total loans | $181,530,500 | 2,522 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1738% | 1,547 |
| Cost of funding earning assets | 1.6612% | 5,468 |
| Net interest margin | 4.5126% | 1,141 |
| Noninterest income to average assets | 0.7876% | 2,476 |
| Noninterest expense to average assets | 3.7376% | 1,764 |
| Loan and lease loss provision to assets | 0.1748% | 5,301 |
| Net operating income to assets | 0.6314% | 3,545 |
| Return on assets (ROA) | 0.6478% | 3,580 |
| Pretax return on assets | 0.9818% | 3,079 |
| Return on Equity (ROE) | 6.7021% | 3,329 |
| Retained earnings to average equity (ytd only) | 4.8933% | 2,569 |
| Net charge-offs to loans | 0.2056% | 4,237 |
| Credit loss provision to net charge-offs | 103.8251% | 4,422 |
| Earnings coverage of net charge-offs (x) | 6.7213% | 2,558 |
| Efficiency ratio | 76.7574% | 3,552 |
| Assets per employee ($millions) | 3.2516% | 5,448 |
| Cash dividends to net income (ytd only)* | 26.9886% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5881% | 7,654 |
| Loan loss allowance to noncurrent loans | 306.8571% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 7,027 |
| Noncurrent loans to loans | 0.1916% | 7,034 |
| Net loans and leases to total assets | 83.3343% | 736 |
| Net loans and leases to deposits | 93.9934% | 2,093 |
| Net loans and leases to core deposits | 128.3706% | 1,686 |
| Total domestic deposits to total assets | 88.6597% | 1,454 |
| Equity capital to assets | 9.7448% | 4,288 |
| Core capital (leverage) ratio | 9.2863% | 4,186 |
| Tier 1 risk-based capital ratio | 10.6722% | 6,213 |
| Total risk-based capital ratio | 11.2486% | 6,859 |
| Memoranda: | ||
| Average total assets | $217,358,670 | 3,012 |
| Average earning assets | $196,605,330 | 3,045 |
| Average equity | $21,008,330 | 3,100 |
| Average total loans | $177,980,670 | 2,602 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1032% | 1,930 |
| Cost of funding earning assets | 1.7012% | 5,591 |
| Net interest margin | 4.4020% | 1,335 |
| Noninterest income to average assets | 0.7664% | 2,497 |
| Noninterest expense to average assets | 3.6866% | 1,680 |
| Loan and lease loss provision to assets | 0.1658% | 4,808 |
| Net operating income to assets | 0.5899% | 4,054 |
| Return on assets (ROA) | 0.6227% | 4,107 |
| Pretax return on assets | 0.9396% | 3,567 |
| Return on Equity (ROE) | 6.4697% | 3,828 |
| Retained earnings to average equity (ytd only) | 4.5556% | 3,399 |
| Net charge-offs to loans | 0.0865% | 4,301 |
| Credit loss provision to net charge-offs | 236.8421% | 1,955 |
| Earnings coverage of net charge-offs (x) | 15.0789% | 1,623 |
| Efficiency ratio | 77.7389% | 3,209 |
| Assets per employee ($millions) | 3.1845% | 5,639 |
| Cash dividends to net income (ytd only)* | 29.5858% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6445% | 7,578 |
| Loan loss allowance to noncurrent loans | 163.7427% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 6,254 |
| Noncurrent loans to loans | 0.3936% | 6,436 |
| Net loans and leases to total assets | 79.7339% | 1,441 |
| Net loans and leases to deposits | 89.6401% | 2,988 |
| Net loans and leases to core deposits | 123.4321% | 2,120 |
| Total domestic deposits to total assets | 88.9489% | 1,253 |
| Equity capital to assets | 9.7100% | 4,368 |
| Core capital (leverage) ratio | 9.1350% | 4,496 |
| Tier 1 risk-based capital ratio | 10.6282% | 6,263 |
| Total risk-based capital ratio | 11.2352% | 6,845 |
| Memoranda: | ||
| Average total assets | $217,108,000 | 3,034 |
| Average earning assets | $196,094,000 | 3,066 |
| Average equity | $20,897,500 | 3,130 |
| Average total loans | $175,658,000 | 2,646 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0347% | 1,044 |
| Cost of funding earning assets | 2.4953% | 4,231 |
| Net interest margin | 4.5394% | 1,334 |
| Noninterest income to average assets | 0.8268% | 2,374 |
| Noninterest expense to average assets | 3.5738% | 2,213 |
| Loan and lease loss provision to assets | 0.1326% | 5,666 |
| Net operating income to assets | 0.7917% | 3,470 |
| Return on assets (ROA) | 0.6621% | 3,904 |
| Pretax return on assets | 1.0028% | 3,374 |
| Return on Equity (ROE) | 7.3911% | 3,326 |
| Retained earnings to average equity (ytd only) | 6.7063% | 1,262 |
| Net charge-offs to loans | 0.1856% | 4,344 |
| Credit loss provision to net charge-offs | 93.0464% | 5,595 |
| Earnings coverage of net charge-offs (x) | 9.3444% | 2,703 |
| Efficiency ratio | 72.8523% | 3,779 |
| Assets per employee ($millions) | 3.2010% | 5,485 |
| Cash dividends to net income (ytd only)* | 9.2659% | 4,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6016% | 7,679 |
| Loan loss allowance to noncurrent loans | 736.5517% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 7,212 |
| Noncurrent loans to loans | 0.0817% | 7,175 |
| Net loans and leases to total assets | 81.0711% | 1,418 |
| Net loans and leases to deposits | 94.2056% | 2,727 |
| Net loans and leases to core deposits | 128.3130% | 1,978 |
| Total domestic deposits to total assets | 86.0576% | 2,373 |
| Equity capital to assets | 9.5412% | 4,621 |
| Core capital (leverage) ratio | 8.6663% | 5,256 |
| Tier 1 risk-based capital ratio | 10.4001% | 6,314 |
| Total risk-based capital ratio | 10.9814% | 6,951 |
| Memoranda: | ||
| Average total assets | $211,905,400 | 2,984 |
| Average earning assets | $190,399,000 | 3,034 |
| Average equity | $18,982,200 | 3,398 |
| Average total loans | $162,714,200 | 2,736 |