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 | 5.3214% | 1,455 |
| Cost of funding earning assets | 1.2750% | 2,585 |
| Net interest margin | 4.0464% | 1,137 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.0999% | 3,403 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.7187% | 707 |
| Return on assets (ROA) | 1.6312% | 791 |
| Pretax return on assets | 2.0933% | 576 |
| Return on Equity (ROE) | 13.0800% | 1,708 |
| Retained earnings to average equity (ytd only) | 9.7361% | 1,079 |
| Net charge-offs to loans | 0.0125% | 2,180 |
| Credit loss provision to net charge-offs | 1,884.6154% | 240 |
| Earnings coverage of net charge-offs (x) | 381.0000% | 367 |
| Efficiency ratio | 47.4706% | 4,116 |
| Assets per employee ($millions) | 6.4620% | 2,444 |
| Cash dividends to net income (ytd only)* | 25.5393% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 846 |
| Loan loss allowance to noncurrent loans | 3,093.4426% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 3,506 |
| Noncurrent loans to loans | 0.0516% | 3,354 |
| Net loans and leases to total assets | 51.4800% | 3,508 |
| Net loans and leases to deposits | 59.6515% | 3,548 |
| Net loans and leases to core deposits | 65.3628% | 3,525 |
| Total domestic deposits to total assets | 86.2900% | 1,917 |
| Equity capital to assets | 12.6904% | 944 |
| Core capital (leverage) ratio | 14.7306% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $213,154,800 | 2,886 |
| Average earning assets | $200,869,600 | 2,859 |
| Average equity | $26,591,800 | 2,427 |
| Average total loans | $103,792,800 | 3,135 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1411% | 1,556 |
| Cost of funding earning assets | 1.1476% | 2,597 |
| Net interest margin | 3.9935% | 1,225 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 1.9850% | 3,632 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.7198% | 771 |
| Return on assets (ROA) | 1.7068% | 778 |
| Pretax return on assets | 2.2893% | 487 |
| Return on Equity (ROE) | 13.7500% | 1,720 |
| Retained earnings to average equity (ytd only) | 13.7452% | 707 |
| Net charge-offs to loans | 0.0413% | 1,297 |
| Credit loss provision to net charge-offs | 387.0968% | 735 |
| Earnings coverage of net charge-offs (x) | 120.9677% | 837 |
| Efficiency ratio | 45.4545% | 4,161 |
| Assets per employee ($millions) | 6.0406% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 901 |
| Loan loss allowance to noncurrent loans | 4,471.7949% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 3,652 |
| Noncurrent loans to loans | 0.0356% | 3,511 |
| Net loans and leases to total assets | 49.6100% | 3,642 |
| Net loans and leases to deposits | 57.2297% | 3,646 |
| Net loans and leases to core deposits | 62.1675% | 3,607 |
| Total domestic deposits to total assets | 86.6800% | 1,987 |
| Equity capital to assets | 12.2307% | 984 |
| Core capital (leverage) ratio | 15.2763% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $209,900,750 | 2,919 |
| Average earning assets | $197,747,500 | 2,892 |
| Average equity | $26,064,250 | 2,441 |
| Average total loans | $100,163,500 | 3,175 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9481% | 1,656 |
| Cost of funding earning assets | 1.0119% | 2,566 |
| Net interest margin | 3.9362% | 1,357 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 1.8613% | 3,892 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.7708% | 687 |
| Return on assets (ROA) | 1.7784% | 680 |
| Pretax return on assets | 2.3860% | 408 |
| Return on Equity (ROE) | 14.2500% | 1,630 |
| Retained earnings to average equity (ytd only) | 14.2467% | 653 |
| Net charge-offs to loans | 0.0495% | 1,022 |
| Credit loss provision to net charge-offs | 362.5000% | 772 |
| Earnings coverage of net charge-offs (x) | 106.4167% | 902 |
| Efficiency ratio | 43.0419% | 4,297 |
| Assets per employee ($millions) | 6.7373% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 774 |
| Loan loss allowance to noncurrent loans | 4,197.5610% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,640 |
| Noncurrent loans to loans | 0.0402% | 3,441 |
| Net loans and leases to total assets | 46.5600% | 3,767 |
| Net loans and leases to deposits | 53.8483% | 3,753 |
| Net loans and leases to core deposits | 58.1642% | 3,708 |
| Total domestic deposits to total assets | 86.4600% | 2,100 |
| Equity capital to assets | 12.4729% | 933 |
| Core capital (leverage) ratio | 15.1318% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $207,380,667 | 2,951 |
| Average earning assets | $195,872,667 | 2,921 |
| Average equity | $25,886,667 | 2,468 |
| Average total loans | $97,010,667 | 3,207 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 1,691 |
| Cost of funding earning assets | 0.8927% | 2,390 |
| Net interest margin | 3.8769% | 1,523 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 1.7395% | 4,138 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.8066% | 658 |
| Return on assets (ROA) | 1.8222% | 629 |
| Pretax return on assets | 2.4401% | 387 |
| Return on Equity (ROE) | 14.5900% | 1,649 |
| Retained earnings to average equity (ytd only) | 14.5916% | 859 |
| Net charge-offs to loans | 0.0635% | 751 |
| Credit loss provision to net charge-offs | -900.0000% | 4,652 |
| Earnings coverage of net charge-offs (x) | 84.6667% | 872 |
| Efficiency ratio | 41.0399% | 4,418 |
| Assets per employee ($millions) | 7.8019% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7584% | 712 |
| Loan loss allowance to noncurrent loans | 4,104.8780% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 3,605 |
| Noncurrent loans to loans | 0.0428% | 3,432 |
| Net loans and leases to total assets | 46.3500% | 3,758 |
| Net loans and leases to deposits | 53.4702% | 3,719 |
| Net loans and leases to core deposits | 55.9970% | 3,743 |
| Total domestic deposits to total assets | 86.6900% | 2,373 |
| Equity capital to assets | 12.9465% | 767 |
| Core capital (leverage) ratio | 15.3745% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $203,273,500 | 3,018 |
| Average earning assets | $192,216,500 | 2,983 |
| Average equity | $25,384,500 | 2,526 |
| Average total loans | $94,470,000 | 3,273 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8423% | 2,165 |
| Cost of funding earning assets | 0.2762% | 3,078 |
| Net interest margin | 3.5661% | 1,740 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 1.6565% | 4,236 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.7707% | 468 |
| Return on assets (ROA) | 1.5948% | 667 |
| Pretax return on assets | 2.0606% | 412 |
| Return on Equity (ROE) | 12.6800% | 1,912 |
| Retained earnings to average equity (ytd only) | 7.1862% | 2,155 |
| Net charge-offs to loans | 0.0326% | 1,419 |
| Credit loss provision to net charge-offs | 400.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 159.5667% | 759 |
| Efficiency ratio | 41.4291% | 4,505 |
| Assets per employee ($millions) | 7.5443% | 1,588 |
| Cash dividends to net income (ytd only)* | 43.3436% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9661% | 461 |
| Loan loss allowance to noncurrent loans | 7,332.0000% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 3,760 |
| Noncurrent loans to loans | 0.0268% | 3,597 |
| Net loans and leases to total assets | 44.8700% | 3,853 |
| Net loans and leases to deposits | 51.1475% | 3,850 |
| Net loans and leases to core deposits | 52.4707% | 3,890 |
| Total domestic deposits to total assets | 87.7200% | 2,171 |
| Equity capital to assets | 12.0311% | 922 |
| Core capital (leverage) ratio | 14.5853% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $204,409,000 | 3,024 |
| Average earning assets | $194,077,400 | 2,977 |
| Average equity | $25,702,200 | 2,548 |
| Average total loans | $92,083,400 | 3,264 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6174% | 2,296 |
| Cost of funding earning assets | 0.1590% | 3,740 |
| Net interest margin | 3.4584% | 1,783 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 1.5856% | 4,315 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.7241% | 502 |
| Return on assets (ROA) | 1.6006% | 638 |
| Pretax return on assets | 2.1193% | 364 |
| Return on Equity (ROE) | 12.5900% | 1,839 |
| Retained earnings to average equity (ytd only) | 9.2610% | 1,563 |
| Net charge-offs to loans | 0.0218% | 1,402 |
| Credit loss provision to net charge-offs | 400.0000% | 704 |
| Earnings coverage of net charge-offs (x) | 236.8000% | 560 |
| Efficiency ratio | 40.6516% | 4,559 |
| Assets per employee ($millions) | 7.5822% | 1,561 |
| Cash dividends to net income (ytd only)* | 26.4658% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9136% | 583 |
| Loan loss allowance to noncurrent loans | 6,622.2222% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,835 |
| Noncurrent loans to loans | 0.0289% | 3,689 |
| Net loans and leases to total assets | 44.7700% | 3,831 |
| Net loans and leases to deposits | 50.7416% | 3,807 |
| Net loans and leases to core deposits | 51.9646% | 3,857 |
| Total domestic deposits to total assets | 88.2300% | 2,350 |
| Equity capital to assets | 11.5182% | 1,006 |
| Core capital (leverage) ratio | 14.5273% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $204,587,000 | 3,036 |
| Average earning assets | $194,534,500 | 2,993 |
| Average equity | $26,001,000 | 2,575 |
| Average total loans | $91,797,250 | 3,271 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3872% | 2,478 |
| Cost of funding earning assets | 0.1087% | 4,095 |
| Net interest margin | 3.2785% | 1,971 |
| Noninterest income to average assets | 0.5984% | 1,747 |
| Noninterest expense to average assets | 1.5566% | 4,349 |
| Loan and lease loss provision to assets | 0.0391% | 1,884 |
| Net operating income to assets | 1.6152% | 529 |
| Return on assets (ROA) | 1.5117% | 665 |
| Pretax return on assets | 1.9976% | 383 |
| Return on Equity (ROE) | 11.5339% | 1,822 |
| Retained earnings to average equity (ytd only) | 10.0418% | 1,005 |
| Net charge-offs to loans | 0.0351% | 1,037 |
| Credit loss provision to net charge-offs | 250.0000% | 868 |
| Earnings coverage of net charge-offs (x) | 138.5625% | 682 |
| Efficiency ratio | 41.7957% | 4,575 |
| Assets per employee ($millions) | 7.6378% | 1,526 |
| Cash dividends to net income (ytd only)* | 12.9366% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9461% | 609 |
| Loan loss allowance to noncurrent loans | 6,093.1034% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 3,884 |
| Noncurrent loans to loans | 0.0319% | 3,710 |
| Net loans and leases to total assets | 43.1728% | 3,894 |
| Net loans and leases to deposits | 49.2810% | 3,848 |
| Net loans and leases to core deposits | 50.4325% | 3,916 |
| Total domestic deposits to total assets | 87.6055% | 2,730 |
| Equity capital to assets | 12.1724% | 825 |
| Core capital (leverage) ratio | 14.3673% | 560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,542,667 | 3,069 |
| Average earning assets | $195,025,667 | 3,027 |
| Average equity | $26,808,000 | 2,595 |
| Average total loans | $91,250,333 | 3,309 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2878% | 2,423 |
| Cost of funding earning assets | 0.1088% | 4,036 |
| Net interest margin | 3.1790% | 1,944 |
| Noninterest income to average assets | 0.6107% | 1,652 |
| Noninterest expense to average assets | 1.5238% | 4,395 |
| Loan and lease loss provision to assets | 0.0393% | 1,650 |
| Net operating income to assets | 1.5709% | 553 |
| Return on assets (ROA) | 1.5709% | 544 |
| Pretax return on assets | 2.0873% | 307 |
| Return on Equity (ROE) | 11.5686% | 1,430 |
| Retained earnings to average equity (ytd only) | 11.5686% | 661 |
| Net charge-offs to loans | 0.0306% | 1,004 |
| Credit loss provision to net charge-offs | 285.7143% | 681 |
| Earnings coverage of net charge-offs (x) | 154.7143% | 524 |
| Efficiency ratio | 41.7429% | 4,607 |
| Assets per employee ($millions) | 7.8006% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9634% | 664 |
| Loan loss allowance to noncurrent loans | 5,487.5000% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 3,902 |
| Noncurrent loans to loans | 0.0358% | 3,726 |
| Net loans and leases to total assets | 43.2325% | 3,796 |
| Net loans and leases to deposits | 49.8542% | 3,742 |
| Net loans and leases to core deposits | 50.9033% | 3,819 |
| Total domestic deposits to total assets | 86.7179% | 3,030 |
| Equity capital to assets | 13.0760% | 675 |
| Core capital (leverage) ratio | 14.1054% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,704,000 | 3,081 |
| Average earning assets | $194,778,000 | 3,046 |
| Average equity | $27,661,000 | 2,625 |
| Average total loans | $91,476,500 | 3,306 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5966% | 2,401 |
| Cost of funding earning assets | 0.1523% | 3,944 |
| Net interest margin | 3.4442% | 1,893 |
| Noninterest income to average assets | 0.6433% | 1,972 |
| Noninterest expense to average assets | 1.7018% | 4,294 |
| Loan and lease loss provision to assets | 0.1098% | 1,149 |
| Net operating income to assets | 1.6772% | 666 |
| Return on assets (ROA) | 1.6772% | 697 |
| Pretax return on assets | 2.1191% | 478 |
| Return on Equity (ROE) | 11.3371% | 2,043 |
| Retained earnings to average equity (ytd only) | 7.1233% | 1,871 |
| Net charge-offs to loans | 0.0043% | 2,451 |
| Credit loss provision to net charge-offs | 5,250.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 1,065.5000% | 137 |
| Efficiency ratio | 43.2943% | 4,595 |
| Assets per employee ($millions) | 7.8690% | 1,402 |
| Cash dividends to net income (ytd only)* | 37.1687% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8639% | 780 |
| Loan loss allowance to noncurrent loans | 4,710.8108% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 3,958 |
| Noncurrent loans to loans | 0.0396% | 3,792 |
| Net loans and leases to total assets | 44.8559% | 3,776 |
| Net loans and leases to deposits | 52.3353% | 3,717 |
| Net loans and leases to core deposits | 53.5179% | 3,793 |
| Total domestic deposits to total assets | 85.7087% | 3,013 |
| Equity capital to assets | 14.0777% | 647 |
| Core capital (leverage) ratio | 14.0921% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,208,800 | 3,123 |
| Average earning assets | $182,508,000 | 3,076 |
| Average equity | $28,287,600 | 2,631 |
| Average total loans | $93,620,400 | 3,282 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 2,261 |
| Cost of funding earning assets | 0.1623% | 3,997 |
| Net interest margin | 3.5436% | 1,750 |
| Noninterest income to average assets | 0.6487% | 2,018 |
| Noninterest expense to average assets | 1.7040% | 4,323 |
| Loan and lease loss provision to assets | 0.0995% | 1,206 |
| Net operating income to assets | 1.6806% | 864 |
| Return on assets (ROA) | 1.6806% | 909 |
| Pretax return on assets | 2.2228% | 522 |
| Return on Equity (ROE) | 11.2122% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.3183% | 1,570 |
| Net charge-offs to loans | 0.0014% | 2,368 |
| Credit loss provision to net charge-offs | 14,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 3,272.0000% | 39 |
| Efficiency ratio | 42.3233% | 4,650 |
| Assets per employee ($millions) | 7.1714% | 1,753 |
| Cash dividends to net income (ytd only)* | 16.8919% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7713% | 986 |
| Loan loss allowance to noncurrent loans | 4,297.4359% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 4,062 |
| Noncurrent loans to loans | 0.0412% | 3,913 |
| Net loans and leases to total assets | 48.0008% | 3,630 |
| Net loans and leases to deposits | 56.7196% | 3,515 |
| Net loans and leases to core deposits | 58.2686% | 3,603 |
| Total domestic deposits to total assets | 84.6283% | 3,257 |
| Equity capital to assets | 15.0056% | 544 |
| Core capital (leverage) ratio | 14.5373% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,862,750 | 3,182 |
| Average earning assets | $179,062,500 | 3,143 |
| Average equity | $28,159,000 | 2,672 |
| Average total loans | $93,646,750 | 3,328 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 2,400 |
| Cost of funding earning assets | 0.1725% | 4,020 |
| Net interest margin | 3.5052% | 1,845 |
| Noninterest income to average assets | 0.6066% | 2,187 |
| Noninterest expense to average assets | 1.6866% | 4,379 |
| Loan and lease loss provision to assets | 0.0968% | 1,301 |
| Net operating income to assets | 1.6392% | 968 |
| Return on assets (ROA) | 1.6392% | 1,018 |
| Pretax return on assets | 2.1674% | 611 |
| Return on Equity (ROE) | 10.9403% | 2,445 |
| Retained earnings to average equity (ytd only) | 9.5046% | 1,551 |
| Net charge-offs to loans | -0.0129% | 3,786 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6899% | 4,673 |
| Assets per employee ($millions) | 7.3721% | 1,547 |
| Cash dividends to net income (ytd only)* | 13.1234% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7590% | 954 |
| Loan loss allowance to noncurrent loans | 3,888.0952% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 4,124 |
| Noncurrent loans to loans | 0.0452% | 3,957 |
| Net loans and leases to total assets | 47.5826% | 3,769 |
| Net loans and leases to deposits | 56.1916% | 3,696 |
| Net loans and leases to core deposits | 57.8529% | 3,764 |
| Total domestic deposits to total assets | 84.6793% | 3,227 |
| Equity capital to assets | 14.8835% | 546 |
| Core capital (leverage) ratio | 14.4400% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,941,000 | 3,204 |
| Average earning assets | $177,395,333 | 3,155 |
| Average equity | $27,860,333 | 2,683 |
| Average total loans | $93,322,667 | 3,348 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5607% | 2,761 |
| Cost of funding earning assets | 0.1833% | 4,058 |
| Net interest margin | 3.3774% | 2,168 |
| Noninterest income to average assets | 0.5899% | 2,251 |
| Noninterest expense to average assets | 1.6671% | 4,441 |
| Loan and lease loss provision to assets | 0.0874% | 1,509 |
| Net operating income to assets | 1.5578% | 1,199 |
| Return on assets (ROA) | 1.5578% | 1,266 |
| Pretax return on assets | 2.0560% | 865 |
| Return on Equity (ROE) | 10.3609% | 2,576 |
| Retained earnings to average equity (ytd only) | 10.3609% | 1,557 |
| Net charge-offs to loans | -0.0299% | 4,170 |
| Credit loss provision to net charge-offs | -571.4286% | 3,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7500% | 4,596 |
| Assets per employee ($millions) | 7.0810% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 1,060 |
| Loan loss allowance to noncurrent loans | 1,931.7073% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 4,054 |
| Noncurrent loans to loans | 0.0877% | 3,869 |
| Net loans and leases to total assets | 49.9525% | 3,627 |
| Net loans and leases to deposits | 59.1064% | 3,553 |
| Net loans and leases to core deposits | 60.8305% | 3,652 |
| Total domestic deposits to total assets | 84.5128% | 3,274 |
| Equity capital to assets | 14.9983% | 495 |
| Core capital (leverage) ratio | 14.8617% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,074,000 | 3,224 |
| Average earning assets | $174,573,000 | 3,173 |
| Average equity | $27,526,500 | 2,698 |
| Average total loans | $93,565,500 | 3,352 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 2,028 |
| Cost of funding earning assets | 0.3595% | 3,822 |
| Net interest margin | 3.8804% | 1,272 |
| Noninterest income to average assets | 0.5857% | 2,272 |
| Noninterest expense to average assets | 1.8677% | 4,368 |
| Loan and lease loss provision to assets | 0.1283% | 2,758 |
| Net operating income to assets | 1.7605% | 422 |
| Return on assets (ROA) | 1.7605% | 457 |
| Pretax return on assets | 2.2766% | 265 |
| Return on Equity (ROE) | 11.8663% | 1,357 |
| Retained earnings to average equity (ytd only) | 8.2722% | 978 |
| Net charge-offs to loans | 0.0086% | 3,025 |
| Credit loss provision to net charge-offs | 2,812.5000% | 347 |
| Earnings coverage of net charge-offs (x) | 527.1250% | 222 |
| Efficiency ratio | 43.7133% | 4,796 |
| Assets per employee ($millions) | 7.2816% | 1,407 |
| Cash dividends to net income (ytd only)* | 30.2883% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6424% | 1,188 |
| Loan loss allowance to noncurrent loans | 1,568.3673% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 4,072 |
| Noncurrent loans to loans | 0.1047% | 3,872 |
| Net loans and leases to total assets | 50.5622% | 3,782 |
| Net loans and leases to deposits | 59.7556% | 3,783 |
| Net loans and leases to core deposits | 61.6310% | 3,850 |
| Total domestic deposits to total assets | 84.6150% | 2,909 |
| Equity capital to assets | 15.0735% | 563 |
| Core capital (leverage) ratio | 14.4304% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,347,200 | 3,149 |
| Average earning assets | $166,606,200 | 3,104 |
| Average equity | $26,014,800 | 2,740 |
| Average total loans | $93,334,800 | 3,354 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 1,809 |
| Cost of funding earning assets | 0.4020% | 3,798 |
| Net interest margin | 4.0169% | 1,076 |
| Noninterest income to average assets | 0.5435% | 2,406 |
| Noninterest expense to average assets | 1.8026% | 4,494 |
| Loan and lease loss provision to assets | 0.1036% | 3,025 |
| Net operating income to assets | 1.8740% | 390 |
| Return on assets (ROA) | 1.8740% | 430 |
| Pretax return on assets | 2.4497% | 229 |
| Return on Equity (ROE) | 12.6842% | 1,199 |
| Retained earnings to average equity (ytd only) | 11.6450% | 478 |
| Net charge-offs to loans | 0.0043% | 3,002 |
| Credit loss provision to net charge-offs | 4,500.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 1,108.6667% | 107 |
| Efficiency ratio | 41.3817% | 4,862 |
| Assets per employee ($millions) | 7.4948% | 1,211 |
| Cash dividends to net income (ytd only)* | 8.1934% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 1,428 |
| Loan loss allowance to noncurrent loans | 907.5000% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 3,985 |
| Noncurrent loans to loans | 0.1638% | 3,731 |
| Net loans and leases to total assets | 53.4958% | 3,846 |
| Net loans and leases to deposits | 63.3213% | 3,841 |
| Net loans and leases to core deposits | 65.3352% | 3,935 |
| Total domestic deposits to total assets | 84.4830% | 2,639 |
| Equity capital to assets | 15.1812% | 597 |
| Core capital (leverage) ratio | 14.5491% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,673,750 | 3,145 |
| Average earning assets | $164,834,500 | 3,104 |
| Average equity | $25,658,500 | 2,751 |
| Average total loans | $93,273,250 | 3,361 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 1,483 |
| Cost of funding earning assets | 0.4700% | 3,702 |
| Net interest margin | 4.1969% | 928 |
| Noninterest income to average assets | 0.5175% | 2,500 |
| Noninterest expense to average assets | 1.7796% | 4,586 |
| Loan and lease loss provision to assets | 0.1165% | 2,854 |
| Net operating income to assets | 1.9894% | 342 |
| Return on assets (ROA) | 1.9894% | 378 |
| Pretax return on assets | 2.5966% | 181 |
| Return on Equity (ROE) | 13.5967% | 956 |
| Retained earnings to average equity (ytd only) | 12.0037% | 462 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6109% | 4,923 |
| Assets per employee ($millions) | 7.2699% | 1,290 |
| Cash dividends to net income (ytd only)* | 11.7165% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 1,454 |
| Loan loss allowance to noncurrent loans | 1,014.2857% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 4,137 |
| Noncurrent loans to loans | 0.1417% | 3,891 |
| Net loans and leases to total assets | 53.5613% | 3,911 |
| Net loans and leases to deposits | 62.9497% | 3,953 |
| Net loans and leases to core deposits | 64.9151% | 4,025 |
| Total domestic deposits to total assets | 85.0859% | 2,360 |
| Equity capital to assets | 14.5521% | 725 |
| Core capital (leverage) ratio | 14.2593% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,607,000 | 3,146 |
| Average earning assets | $162,548,333 | 3,113 |
| Average equity | $25,109,000 | 2,772 |
| Average total loans | $91,805,333 | 3,377 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 2,829 |
| Cost of funding earning assets | 0.5919% | 3,474 |
| Net interest margin | 3.7366% | 2,193 |
| Noninterest income to average assets | 0.5404% | 2,330 |
| Noninterest expense to average assets | 1.7149% | 4,760 |
| Loan and lease loss provision to assets | 0.1081% | 2,326 |
| Net operating income to assets | 1.7245% | 485 |
| Return on assets (ROA) | 1.7245% | 536 |
| Pretax return on assets | 2.2506% | 264 |
| Return on Equity (ROE) | 11.7515% | 1,180 |
| Retained earnings to average equity (ytd only) | 11.7515% | 452 |
| Net charge-offs to loans | 0.0091% | 2,237 |
| Credit loss provision to net charge-offs | 2,250.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 491.0000% | 133 |
| Efficiency ratio | 42.0991% | 4,943 |
| Assets per employee ($millions) | 6.5826% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 1,287 |
| Loan loss allowance to noncurrent loans | 1,349.5050% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 4,288 |
| Noncurrent loans to loans | 0.1124% | 4,071 |
| Net loans and leases to total assets | 53.7739% | 4,004 |
| Net loans and leases to deposits | 63.5621% | 4,005 |
| Net loans and leases to core deposits | 66.4192% | 4,060 |
| Total domestic deposits to total assets | 84.6006% | 2,569 |
| Equity capital to assets | 15.0512% | 747 |
| Core capital (leverage) ratio | 14.9557% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,537,000 | 3,162 |
| Average earning assets | $157,468,500 | 3,133 |
| Average equity | $24,439,500 | 2,814 |
| Average total loans | $88,325,000 | 3,434 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 3,091 |
| Cost of funding earning assets | 0.6760% | 3,280 |
| Net interest margin | 3.7833% | 2,558 |
| Noninterest income to average assets | 0.6319% | 2,084 |
| Noninterest expense to average assets | 1.8258% | 4,741 |
| Loan and lease loss provision to assets | 0.1359% | 1,571 |
| Net operating income to assets | 1.7487% | 595 |
| Return on assets (ROA) | 1.7536% | 624 |
| Pretax return on assets | 2.2576% | 343 |
| Return on Equity (ROE) | 12.2666% | 1,412 |
| Retained earnings to average equity (ytd only) | 7.4835% | 1,176 |
| Net charge-offs to loans | 0.0915% | 1,813 |
| Credit loss provision to net charge-offs | 289.4737% | 967 |
| Earnings coverage of net charge-offs (x) | 50.8553% | 1,116 |
| Efficiency ratio | 43.3368% | 5,000 |
| Assets per employee ($millions) | 6.7404% | 1,156 |
| Cash dividends to net income (ytd only)* | 38.9926% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,166 |
| Loan loss allowance to noncurrent loans | 2,129.0323% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 4,459 |
| Noncurrent loans to loans | 0.0714% | 4,248 |
| Net loans and leases to total assets | 50.7237% | 4,294 |
| Net loans and leases to deposits | 59.3298% | 4,315 |
| Net loans and leases to core deposits | 62.0226% | 4,352 |
| Total domestic deposits to total assets | 85.4945% | 2,296 |
| Equity capital to assets | 14.3078% | 998 |
| Core capital (leverage) ratio | 14.0699% | 914 |
| Tier 1 risk-based capital ratio | 22.4299% | 974 |
| Total risk-based capital ratio | 23.6694% | 953 |
| Memoranda: | ||
| Average total assets | $161,898,000 | 3,188 |
| Average earning assets | $153,253,400 | 3,152 |
| Average equity | $23,144,200 | 2,860 |
| Average total loans | $83,030,800 | 3,540 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4653% | 3,165 |
| Cost of funding earning assets | 0.6680% | 3,361 |
| Net interest margin | 3.7973% | 2,611 |
| Noninterest income to average assets | 0.6224% | 2,096 |
| Noninterest expense to average assets | 1.7623% | 4,863 |
| Loan and lease loss provision to assets | 0.1248% | 1,560 |
| Net operating income to assets | 1.8064% | 610 |
| Return on assets (ROA) | 1.8130% | 632 |
| Pretax return on assets | 2.3380% | 344 |
| Return on Equity (ROE) | 12.6852% | 1,391 |
| Retained earnings to average equity (ytd only) | 10.3566% | 664 |
| Net charge-offs to loans | 0.1056% | 1,411 |
| Credit loss provision to net charge-offs | 230.7692% | 1,165 |
| Earnings coverage of net charge-offs (x) | 45.3870% | 1,261 |
| Efficiency ratio | 41.7916% | 5,086 |
| Assets per employee ($millions) | 6.5088% | 1,266 |
| Cash dividends to net income (ytd only)* | 18.3570% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4840% | 1,285 |
| Loan loss allowance to noncurrent loans | 2,101.6667% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 4,544 |
| Noncurrent loans to loans | 0.0706% | 4,317 |
| Net loans and leases to total assets | 49.4682% | 4,455 |
| Net loans and leases to deposits | 57.9039% | 4,477 |
| Net loans and leases to core deposits | 60.6267% | 4,512 |
| Total domestic deposits to total assets | 85.4315% | 2,241 |
| Equity capital to assets | 14.3256% | 1,034 |
| Core capital (leverage) ratio | 14.9537% | 748 |
| Tier 1 risk-based capital ratio | 22.5695% | 1,000 |
| Total risk-based capital ratio | 23.7587% | 976 |
| Memoranda: | ||
| Average total assets | $160,245,250 | 3,232 |
| Average earning assets | $151,684,500 | 3,196 |
| Average equity | $22,902,750 | 2,897 |
| Average total loans | $82,090,000 | 3,598 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 3,032 |
| Cost of funding earning assets | 0.6619% | 3,345 |
| Net interest margin | 3.8330% | 2,468 |
| Noninterest income to average assets | 0.6423% | 1,963 |
| Noninterest expense to average assets | 1.7641% | 4,908 |
| Loan and lease loss provision to assets | 0.1399% | 1,325 |
| Net operating income to assets | 1.8316% | 558 |
| Return on assets (ROA) | 1.8416% | 571 |
| Pretax return on assets | 2.3745% | 302 |
| Return on Equity (ROE) | 12.8963% | 1,278 |
| Retained earnings to average equity (ytd only) | 9.7791% | 818 |
| Net charge-offs to loans | 0.1208% | 1,229 |
| Credit loss provision to net charge-offs | 224.4898% | 1,116 |
| Earnings coverage of net charge-offs (x) | 40.1429% | 1,243 |
| Efficiency ratio | 41.3536% | 5,135 |
| Assets per employee ($millions) | 6.4372% | 1,272 |
| Cash dividends to net income (ytd only)* | 24.1713% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 1,266 |
| Loan loss allowance to noncurrent loans | 2,170.1754% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 4,590 |
| Noncurrent loans to loans | 0.0693% | 4,369 |
| Net loans and leases to total assets | 50.3750% | 4,453 |
| Net loans and leases to deposits | 59.1360% | 4,469 |
| Net loans and leases to core deposits | 61.9069% | 4,505 |
| Total domestic deposits to total assets | 85.1850% | 2,398 |
| Equity capital to assets | 14.5739% | 927 |
| Core capital (leverage) ratio | 14.5815% | 803 |
| Tier 1 risk-based capital ratio | 22.7033% | 972 |
| Total risk-based capital ratio | 23.9111% | 962 |
| Memoranda: | ||
| Average total assets | $157,251,000 | 3,275 |
| Average earning assets | $148,656,330 | 3,237 |
| Average equity | $22,456,000 | 2,928 |
| Average total loans | $81,128,330 | 3,638 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 3,073 |
| Cost of funding earning assets | 0.6161% | 3,487 |
| Net interest margin | 3.8272% | 2,428 |
| Noninterest income to average assets | 0.6229% | 1,946 |
| Noninterest expense to average assets | 1.7451% | 4,971 |
| Loan and lease loss provision to assets | 0.1544% | 1,084 |
| Net operating income to assets | 1.8197% | 553 |
| Return on assets (ROA) | 1.8197% | 570 |
| Pretax return on assets | 2.3370% | 331 |
| Return on Equity (ROE) | 12.8797% | 1,260 |
| Retained earnings to average equity (ytd only) | 6.5036% | 2,247 |
| Net charge-offs to loans | 0.1589% | 844 |
| Credit loss provision to net charge-offs | 187.5000% | 1,088 |
| Earnings coverage of net charge-offs (x) | 30.2500% | 1,326 |
| Efficiency ratio | 41.1908% | 5,185 |
| Assets per employee ($millions) | 6.2270% | 1,388 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 1,450 |
| Loan loss allowance to noncurrent loans | 1,352.8090% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 4,533 |
| Noncurrent loans to loans | 0.1084% | 4,249 |
| Net loans and leases to total assets | 51.9772% | 4,337 |
| Net loans and leases to deposits | 60.9243% | 4,364 |
| Net loans and leases to core deposits | 63.1397% | 4,421 |
| Total domestic deposits to total assets | 85.3144% | 2,559 |
| Equity capital to assets | 14.3516% | 923 |
| Core capital (leverage) ratio | 14.7262% | 760 |
| Tier 1 risk-based capital ratio | 22.3220% | 1,015 |
| Total risk-based capital ratio | 23.5160% | 1,000 |
| Memoranda: | ||
| Average total assets | $155,411,000 | 3,336 |
| Average earning assets | $146,738,000 | 3,300 |
| Average equity | $21,957,000 | 2,978 |
| Average total loans | $80,539,500 | 3,684 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 3,967 |
| Cost of funding earning assets | 0.4198% | 3,863 |
| Net interest margin | 3.5999% | 3,382 |
| Noninterest income to average assets | 0.6159% | 2,214 |
| Noninterest expense to average assets | 1.7897% | 5,009 |
| Loan and lease loss provision to assets | 0.0709% | 2,718 |
| Net operating income to assets | 1.7034% | 692 |
| Return on assets (ROA) | 1.7013% | 685 |
| Pretax return on assets | 2.1592% | 387 |
| Return on Equity (ROE) | 12.6166% | 1,501 |
| Retained earnings to average equity (ytd only) | 7.4561% | 1,474 |
| Net charge-offs to loans | 0.0326% | 2,752 |
| Credit loss provision to net charge-offs | 458.3333% | 746 |
| Earnings coverage of net charge-offs (x) | 144.2500% | 579 |
| Efficiency ratio | 44.4925% | 5,165 |
| Assets per employee ($millions) | 6.4644% | 1,234 |
| Cash dividends to net income (ytd only)* | 40.9022% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,330 |
| Loan loss allowance to noncurrent loans | 1,088.8889% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 4,481 |
| Noncurrent loans to loans | 0.1368% | 4,120 |
| Net loans and leases to total assets | 50.1354% | 4,509 |
| Net loans and leases to deposits | 58.3584% | 4,557 |
| Net loans and leases to core deposits | 60.1314% | 4,622 |
| Total domestic deposits to total assets | 85.9094% | 2,282 |
| Equity capital to assets | 13.9043% | 1,004 |
| Core capital (leverage) ratio | 14.0407% | 911 |
| Tier 1 risk-based capital ratio | 22.3384% | 987 |
| Total risk-based capital ratio | 23.5243% | 968 |
| Memoranda: | ||
| Average total assets | $155,054,400 | 3,332 |
| Average earning assets | $146,724,400 | 3,287 |
| Average equity | $20,909,000 | 3,006 |
| Average total loans | $73,605,800 | 3,796 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 4,188 |
| Cost of funding earning assets | 0.3986% | 3,869 |
| Net interest margin | 3.5119% | 3,654 |
| Noninterest income to average assets | 0.6037% | 2,285 |
| Noninterest expense to average assets | 1.7708% | 5,067 |
| Loan and lease loss provision to assets | 0.0258% | 3,499 |
| Net operating income to assets | 1.6557% | 828 |
| Return on assets (ROA) | 1.6530% | 843 |
| Pretax return on assets | 2.1303% | 448 |
| Return on Equity (ROE) | 12.3539% | 1,658 |
| Retained earnings to average equity (ytd only) | 9.7828% | 985 |
| Net charge-offs to loans | 0.0332% | 2,419 |
| Credit loss provision to net charge-offs | 166.6667% | 1,591 |
| Earnings coverage of net charge-offs (x) | 139.4967% | 580 |
| Efficiency ratio | 45.0547% | 5,186 |
| Assets per employee ($millions) | 6.7436% | 1,054 |
| Cash dividends to net income (ytd only)* | 20.8117% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 1,279 |
| Loan loss allowance to noncurrent loans | 881.6000% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 4,565 |
| Noncurrent loans to loans | 0.1724% | 4,117 |
| Net loans and leases to total assets | 46.0239% | 4,801 |
| Net loans and leases to deposits | 53.5100% | 4,839 |
| Net loans and leases to core deposits | 55.1419% | 4,868 |
| Total domestic deposits to total assets | 86.0099% | 2,185 |
| Equity capital to assets | 13.7348% | 1,046 |
| Core capital (leverage) ratio | 14.2291% | 879 |
| Tier 1 risk-based capital ratio | 23.4972% | 892 |
| Total risk-based capital ratio | 24.6680% | 880 |
| Memoranda: | ||
| Average total assets | $155,031,500 | 3,362 |
| Average earning assets | $146,847,500 | 3,320 |
| Average equity | $20,743,250 | 3,043 |
| Average total loans | $72,267,500 | 3,861 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 4,262 |
| Cost of funding earning assets | 0.3735% | 3,917 |
| Net interest margin | 3.4595% | 3,770 |
| Noninterest income to average assets | 0.6116% | 2,263 |
| Noninterest expense to average assets | 1.6889% | 5,207 |
| Loan and lease loss provision to assets | 0.0387% | 3,137 |
| Net operating income to assets | 1.6773% | 754 |
| Return on assets (ROA) | 1.6773% | 762 |
| Pretax return on assets | 2.1586% | 424 |
| Return on Equity (ROE) | 12.6480% | 1,495 |
| Retained earnings to average equity (ytd only) | 10.7021% | 735 |
| Net charge-offs to loans | 0.0332% | 2,189 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 141.9167% | 539 |
| Efficiency ratio | 43.4595% | 5,300 |
| Assets per employee ($millions) | 6.3109% | 1,265 |
| Cash dividends to net income (ytd only)* | 15.3846% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 1,202 |
| Loan loss allowance to noncurrent loans | 780.2817% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 4,564 |
| Noncurrent loans to loans | 0.2004% | 4,006 |
| Net loans and leases to total assets | 44.2104% | 4,892 |
| Net loans and leases to deposits | 51.1532% | 4,943 |
| Net loans and leases to core deposits | 52.7796% | 4,967 |
| Total domestic deposits to total assets | 86.4273% | 2,085 |
| Equity capital to assets | 13.3540% | 1,164 |
| Core capital (leverage) ratio | 13.9736% | 915 |
| Tier 1 risk-based capital ratio | 23.4740% | 891 |
| Total risk-based capital ratio | 24.6729% | 870 |
| Memoranda: | ||
| Average total assets | $155,008,000 | 3,380 |
| Average earning assets | $146,727,670 | 3,338 |
| Average equity | $20,556,670 | 3,073 |
| Average total loans | $72,194,670 | 3,891 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7769% | 4,288 |
| Cost of funding earning assets | 0.3466% | 4,019 |
| Net interest margin | 3.4303% | 3,777 |
| Noninterest income to average assets | 0.5650% | 2,447 |
| Noninterest expense to average assets | 1.6404% | 5,301 |
| Loan and lease loss provision to assets | 0.0781% | 2,210 |
| Net operating income to assets | 1.6273% | 806 |
| Return on assets (ROA) | 1.6273% | 806 |
| Pretax return on assets | 2.0934% | 473 |
| Return on Equity (ROE) | 12.3150% | 1,469 |
| Retained earnings to average equity (ytd only) | 8.3742% | 1,698 |
| Net charge-offs to loans | 0.0384% | 1,759 |
| Credit loss provision to net charge-offs | 428.5714% | 663 |
| Earnings coverage of net charge-offs (x) | 119.1429% | 527 |
| Efficiency ratio | 43.0328% | 5,374 |
| Assets per employee ($millions) | 6.6520% | 1,121 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 1,311 |
| Loan loss allowance to noncurrent loans | 1,391.2500% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 4,836 |
| Noncurrent loans to loans | 0.1109% | 4,471 |
| Net loans and leases to total assets | 46.4009% | 4,776 |
| Net loans and leases to deposits | 53.8038% | 4,807 |
| Net loans and leases to core deposits | 55.9503% | 4,846 |
| Total domestic deposits to total assets | 86.2409% | 2,428 |
| Equity capital to assets | 13.3218% | 1,106 |
| Core capital (leverage) ratio | 13.8991% | 897 |
| Tier 1 risk-based capital ratio | 23.8947% | 848 |
| Total risk-based capital ratio | 25.1452% | 831 |
| Memoranda: | ||
| Average total assets | $153,625,500 | 3,429 |
| Average earning assets | $145,408,500 | 3,389 |
| Average equity | $20,300,500 | 3,132 |
| Average total loans | $72,862,000 | 3,914 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 4,222 |
| Cost of funding earning assets | 0.2731% | 4,375 |
| Net interest margin | 3.4746% | 3,611 |
| Noninterest income to average assets | 0.6774% | 2,059 |
| Noninterest expense to average assets | 1.8859% | 5,133 |
| Loan and lease loss provision to assets | 0.0265% | 3,765 |
| Net operating income to assets | 1.3874% | 1,046 |
| Return on assets (ROA) | 1.3905% | 1,060 |
| Pretax return on assets | 2.0468% | 440 |
| Return on Equity (ROE) | 10.5320% | 1,664 |
| Retained earnings to average equity (ytd only) | 6.1888% | 1,445 |
| Net charge-offs to loans | 0.0359% | 3,073 |
| Credit loss provision to net charge-offs | 153.8462% | 1,741 |
| Earnings coverage of net charge-offs (x) | 120.1538% | 562 |
| Efficiency ratio | 47.6892% | 5,336 |
| Assets per employee ($millions) | 6.1702% | 1,403 |
| Cash dividends to net income (ytd only)* | 41.2381% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 1,478 |
| Loan loss allowance to noncurrent loans | 2,945.9459% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 5,034 |
| Noncurrent loans to loans | 0.0503% | 4,765 |
| Net loans and leases to total assets | 47.0192% | 4,830 |
| Net loans and leases to deposits | 54.2269% | 4,880 |
| Net loans and leases to core deposits | 56.2450% | 4,930 |
| Total domestic deposits to total assets | 86.7083% | 2,146 |
| Equity capital to assets | 13.1076% | 1,214 |
| Core capital (leverage) ratio | 13.4341% | 995 |
| Tier 1 risk-based capital ratio | 23.0551% | 908 |
| Total risk-based capital ratio | 24.2754% | 891 |
| Memoranda: | ||
| Average total assets | $151,019,400 | 3,458 |
| Average earning assets | $142,431,800 | 3,419 |
| Average equity | $19,939,200 | 3,154 |
| Average total loans | $72,484,600 | 3,907 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7277% | 4,244 |
| Cost of funding earning assets | 0.2714% | 4,394 |
| Net interest margin | 3.4563% | 3,651 |
| Noninterest income to average assets | 0.6915% | 2,036 |
| Noninterest expense to average assets | 1.8249% | 5,244 |
| Loan and lease loss provision to assets | 0.0355% | 3,406 |
| Net operating income to assets | 1.3536% | 1,194 |
| Return on assets (ROA) | 1.3536% | 1,218 |
| Pretax return on assets | 2.0859% | 460 |
| Return on Equity (ROE) | 10.2333% | 2,024 |
| Retained earnings to average equity (ytd only) | 8.2202% | 1,126 |
| Net charge-offs to loans | 0.0111% | 3,333 |
| Credit loss provision to net charge-offs | 666.6667% | 497 |
| Earnings coverage of net charge-offs (x) | 398.3238% | 238 |
| Efficiency ratio | 46.2438% | 5,413 |
| Assets per employee ($millions) | 6.0249% | 1,472 |
| Cash dividends to net income (ytd only)* | 19.6722% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 1,358 |
| Loan loss allowance to noncurrent loans | 1,067.3077% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 4,888 |
| Noncurrent loans to loans | 0.1455% | 4,473 |
| Net loans and leases to total assets | 46.7239% | 4,898 |
| Net loans and leases to deposits | 54.3238% | 4,948 |
| Net loans and leases to core deposits | 56.5609% | 4,967 |
| Total domestic deposits to total assets | 86.0101% | 2,307 |
| Equity capital to assets | 13.6891% | 1,081 |
| Core capital (leverage) ratio | 13.6805% | 972 |
| Tier 1 risk-based capital ratio | 23.6933% | 880 |
| Total risk-based capital ratio | 24.9445% | 861 |
| Memoranda: | ||
| Average total assets | $150,210,750 | 3,501 |
| Average earning assets | $141,459,750 | 3,456 |
| Average equity | $19,869,250 | 3,179 |
| Average total loans | $72,201,000 | 3,942 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6922% | 4,249 |
| Cost of funding earning assets | 0.2692% | 4,379 |
| Net interest margin | 3.4230% | 3,686 |
| Noninterest income to average assets | 0.6837% | 2,063 |
| Noninterest expense to average assets | 1.7991% | 5,312 |
| Loan and lease loss provision to assets | 0.0400% | 3,210 |
| Net operating income to assets | 1.3433% | 1,188 |
| Return on assets (ROA) | 1.3433% | 1,211 |
| Pretax return on assets | 2.0643% | 476 |
| Return on Equity (ROE) | 10.2756% | 1,920 |
| Retained earnings to average equity (ytd only) | 8.7465% | 919 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0908% | 5,460 |
| Assets per employee ($millions) | 6.6090% | 1,091 |
| Cash dividends to net income (ytd only)* | 14.8810% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 1,443 |
| Loan loss allowance to noncurrent loans | 1,940.3509% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 5,104 |
| Noncurrent loans to loans | 0.0792% | 4,818 |
| Net loans and leases to total assets | 46.5988% | 4,908 |
| Net loans and leases to deposits | 53.9520% | 4,966 |
| Net loans and leases to core deposits | 55.8814% | 4,997 |
| Total domestic deposits to total assets | 86.3709% | 2,209 |
| Equity capital to assets | 13.3396% | 1,209 |
| Core capital (leverage) ratio | 13.4541% | 1,011 |
| Tier 1 risk-based capital ratio | 23.2081% | 923 |
| Total risk-based capital ratio | 24.4582% | 915 |
| Memoranda: | ||
| Average total assets | $150,073,330 | 3,517 |
| Average earning assets | $141,164,000 | 3,476 |
| Average equity | $19,619,330 | 3,197 |
| Average total loans | $72,439,000 | 3,963 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6853% | 4,153 |
| Cost of funding earning assets | 0.2690% | 4,367 |
| Net interest margin | 3.4163% | 3,593 |
| Noninterest income to average assets | 0.6412% | 2,221 |
| Noninterest expense to average assets | 1.7357% | 5,442 |
| Loan and lease loss provision to assets | 0.0537% | 2,732 |
| Net operating income to assets | 1.3413% | 1,134 |
| Return on assets (ROA) | 1.3413% | 1,167 |
| Pretax return on assets | 2.0549% | 456 |
| Return on Equity (ROE) | 10.3678% | 1,792 |
| Retained earnings to average equity (ytd only) | 10.3678% | 733 |
| Net charge-offs to loans | 0.0330% | 2,114 |
| Credit loss provision to net charge-offs | 333.3333% | 732 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 419 |
| Efficiency ratio | 45.1500% | 5,561 |
| Assets per employee ($millions) | 6.2463% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 1,710 |
| Loan loss allowance to noncurrent loans | 1,211.1111% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 5,044 |
| Noncurrent loans to loans | 0.1235% | 4,693 |
| Net loans and leases to total assets | 47.8694% | 4,836 |
| Net loans and leases to deposits | 55.3144% | 4,857 |
| Net loans and leases to core deposits | 57.3157% | 4,908 |
| Total domestic deposits to total assets | 86.5406% | 2,423 |
| Equity capital to assets | 13.1052% | 1,218 |
| Core capital (leverage) ratio | 13.6095% | 940 |
| Tier 1 risk-based capital ratio | 22.4555% | 1,038 |
| Total risk-based capital ratio | 23.6880% | 1,022 |
| Memoranda: | ||
| Average total assets | $149,107,000 | 3,567 |
| Average earning assets | $139,799,000 | 3,530 |
| Average equity | $19,290,500 | 3,256 |
| Average total loans | $72,689,000 | 3,984 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6909% | 4,237 |
| Cost of funding earning assets | 0.2767% | 4,293 |
| Net interest margin | 3.4142% | 3,770 |
| Noninterest income to average assets | 0.6643% | 2,348 |
| Noninterest expense to average assets | 1.8828% | 5,385 |
| Loan and lease loss provision to assets | 0.0688% | 2,981 |
| Net operating income to assets | 1.3285% | 1,148 |
| Return on assets (ROA) | 1.3380% | 1,182 |
| Pretax return on assets | 1.9357% | 579 |
| Return on Equity (ROE) | 9.6955% | 2,109 |
| Retained earnings to average equity (ytd only) | 5.3018% | 2,128 |
| Net charge-offs to loans | 0.0619% | 2,827 |
| Credit loss provision to net charge-offs | 220.9302% | 1,297 |
| Earnings coverage of net charge-offs (x) | 63.9070% | 849 |
| Efficiency ratio | 48.6067% | 5,548 |
| Assets per employee ($millions) | 6.1793% | 1,343 |
| Cash dividends to net income (ytd only)* | 45.3167% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4850% | 1,730 |
| Loan loss allowance to noncurrent loans | 1,087.8788% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 5,062 |
| Noncurrent loans to loans | 0.1365% | 4,684 |
| Net loans and leases to total assets | 48.1781% | 4,886 |
| Net loans and leases to deposits | 55.5599% | 4,939 |
| Net loans and leases to core deposits | 56.7032% | 5,021 |
| Total domestic deposits to total assets | 86.7138% | 2,280 |
| Equity capital to assets | 12.7677% | 1,364 |
| Core capital (leverage) ratio | 13.6593% | 914 |
| Tier 1 risk-based capital ratio | 22.3794% | 1,033 |
| Total risk-based capital ratio | 23.6244% | 1,013 |
| Memoranda: | ||
| Average total assets | $138,040,600 | 3,703 |
| Average earning assets | $129,752,000 | 3,650 |
| Average equity | $19,050,000 | 3,266 |
| Average total loans | $69,510,000 | 4,053 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7200% | 4,182 |
| Cost of funding earning assets | 0.2793% | 4,300 |
| Net interest margin | 3.4407% | 3,701 |
| Noninterest income to average assets | 0.6761% | 2,281 |
| Noninterest expense to average assets | 1.8857% | 5,404 |
| Loan and lease loss provision to assets | 0.0640% | 2,953 |
| Net operating income to assets | 1.2781% | 1,357 |
| Return on assets (ROA) | 1.2902% | 1,424 |
| Pretax return on assets | 1.9821% | 594 |
| Return on Equity (ROE) | 9.1618% | 2,417 |
| Retained earnings to average equity (ytd only) | 7.0653% | 1,592 |
| Net charge-offs to loans | 0.0659% | 2,393 |
| Credit loss provision to net charge-offs | 191.1765% | 1,484 |
| Earnings coverage of net charge-offs (x) | 60.5912% | 952 |
| Efficiency ratio | 48.1891% | 5,586 |
| Assets per employee ($millions) | 5.6853% | 1,680 |
| Cash dividends to net income (ytd only)* | 22.8832% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 1,665 |
| Loan loss allowance to noncurrent loans | 1,406.6667% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 5,239 |
| Noncurrent loans to loans | 0.1086% | 4,907 |
| Net loans and leases to total assets | 49.8560% | 4,831 |
| Net loans and leases to deposits | 58.3787% | 4,859 |
| Net loans and leases to core deposits | 60.0706% | 4,929 |
| Total domestic deposits to total assets | 85.4009% | 2,643 |
| Equity capital to assets | 14.3484% | 915 |
| Core capital (leverage) ratio | 14.3232% | 770 |
| Tier 1 risk-based capital ratio | 24.2394% | 883 |
| Total risk-based capital ratio | 25.4902% | 866 |
| Memoranda: | ||
| Average total assets | $135,474,750 | 3,760 |
| Average earning assets | $127,452,250 | 3,710 |
| Average equity | $19,078,750 | 3,282 |
| Average total loans | $68,755,750 | 4,101 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 4,193 |
| Cost of funding earning assets | 0.2799% | 4,346 |
| Net interest margin | 3.4496% | 3,687 |
| Noninterest income to average assets | 0.6778% | 2,243 |
| Noninterest expense to average assets | 1.8868% | 5,478 |
| Loan and lease loss provision to assets | 0.0814% | 2,510 |
| Net operating income to assets | 1.2726% | 1,352 |
| Return on assets (ROA) | 1.2889% | 1,418 |
| Pretax return on assets | 1.9815% | 588 |
| Return on Equity (ROE) | 9.2109% | 2,398 |
| Retained earnings to average equity (ytd only) | 7.6247% | 1,327 |
| Net charge-offs to loans | 0.0787% | 2,071 |
| Credit loss provision to net charge-offs | 203.7037% | 1,285 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 982 |
| Efficiency ratio | 48.0769% | 5,664 |
| Assets per employee ($millions) | 6.5540% | 1,060 |
| Cash dividends to net income (ytd only)* | 17.2216% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 1,778 |
| Loan loss allowance to noncurrent loans | 1,119.1489% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 5,282 |
| Noncurrent loans to loans | 0.1362% | 4,896 |
| Net loans and leases to total assets | 49.3762% | 4,884 |
| Net loans and leases to deposits | 57.6256% | 4,920 |
| Net loans and leases to core deposits | 59.4312% | 5,002 |
| Total domestic deposits to total assets | 85.6846% | 2,565 |
| Equity capital to assets | 14.0640% | 1,003 |
| Core capital (leverage) ratio | 13.9092% | 851 |
| Tier 1 risk-based capital ratio | 23.6446% | 943 |
| Total risk-based capital ratio | 24.8955% | 918 |
| Memoranda: | ||
| Average total assets | $135,150,670 | 3,792 |
| Average earning assets | $127,204,000 | 3,737 |
| Average equity | $18,912,330 | 3,312 |
| Average total loans | $68,647,000 | 4,125 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 3,900 |
| Cost of funding earning assets | 0.2796% | 4,397 |
| Net interest margin | 3.5330% | 3,347 |
| Noninterest income to average assets | 0.6243% | 2,392 |
| Noninterest expense to average assets | 1.8849% | 5,543 |
| Loan and lease loss provision to assets | 0.1045% | 1,959 |
| Net operating income to assets | 1.2724% | 1,328 |
| Return on assets (ROA) | 1.3054% | 1,319 |
| Pretax return on assets | 2.0073% | 555 |
| Return on Equity (ROE) | 9.3526% | 2,265 |
| Retained earnings to average equity (ytd only) | 9.3526% | 1,014 |
| Net charge-offs to loans | 0.0234% | 2,466 |
| Credit loss provision to net charge-offs | 875.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 172.5000% | 353 |
| Efficiency ratio | 47.7668% | 5,735 |
| Assets per employee ($millions) | 5.9060% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 1,869 |
| Loan loss allowance to noncurrent loans | 694.0789% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 5,127 |
| Noncurrent loans to loans | 0.2200% | 4,642 |
| Net loans and leases to total assets | 50.0917% | 4,795 |
| Net loans and leases to deposits | 58.4560% | 4,825 |
| Net loans and leases to core deposits | 61.4382% | 4,848 |
| Total domestic deposits to total assets | 85.6911% | 2,812 |
| Equity capital to assets | 13.9437% | 1,004 |
| Core capital (leverage) ratio | 14.1843% | 767 |
| Tier 1 risk-based capital ratio | 23.3386% | 983 |
| Total risk-based capital ratio | 24.5895% | 972 |
| Memoranda: | ||
| Average total assets | $133,908,500 | 3,836 |
| Average earning assets | $125,898,500 | 3,790 |
| Average equity | $18,690,000 | 3,345 |
| Average total loans | $68,465,000 | 4,148 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 3,973 |
| Cost of funding earning assets | 0.2860% | 4,407 |
| Net interest margin | 3.5372% | 3,391 |
| Noninterest income to average assets | 0.7360% | 2,037 |
| Noninterest expense to average assets | 1.9710% | 5,512 |
| Loan and lease loss provision to assets | 0.0711% | 2,856 |
| Net operating income to assets | 1.3725% | 1,094 |
| Return on assets (ROA) | 1.3725% | 1,140 |
| Pretax return on assets | 2.0050% | 532 |
| Return on Equity (ROE) | 9.5970% | 2,178 |
| Retained earnings to average equity (ytd only) | 5.6820% | 1,964 |
| Net charge-offs to loans | 0.0484% | 3,236 |
| Credit loss provision to net charge-offs | 281.2500% | 1,038 |
| Earnings coverage of net charge-offs (x) | 82.1563% | 685 |
| Efficiency ratio | 48.7024% | 5,817 |
| Assets per employee ($millions) | 5.9990% | 1,389 |
| Cash dividends to net income (ytd only)* | 40.7940% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 1,957 |
| Loan loss allowance to noncurrent loans | 664.9351% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 5,125 |
| Noncurrent loans to loans | 0.2270% | 4,617 |
| Net loans and leases to total assets | 50.6198% | 4,812 |
| Net loans and leases to deposits | 58.9772% | 4,849 |
| Net loans and leases to core deposits | 61.8933% | 4,884 |
| Total domestic deposits to total assets | 85.8295% | 2,721 |
| Equity capital to assets | 13.9713% | 938 |
| Core capital (leverage) ratio | 13.6400% | 925 |
| Tier 1 risk-based capital ratio | 23.3476% | 972 |
| Total risk-based capital ratio | 24.5970% | 962 |
| Memoranda: | ||
| Average total assets | $126,633,800 | 3,951 |
| Average earning assets | $118,539,400 | 3,911 |
| Average equity | $18,109,800 | 3,367 |
| Average total loans | $66,137,200 | 4,195 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 3,985 |
| Cost of funding earning assets | 0.2844% | 4,511 |
| Net interest margin | 3.5492% | 3,344 |
| Noninterest income to average assets | 0.7470% | 2,039 |
| Noninterest expense to average assets | 1.9899% | 5,497 |
| Loan and lease loss provision to assets | 0.0638% | 2,910 |
| Net operating income to assets | 1.3110% | 1,307 |
| Return on assets (ROA) | 1.3110% | 1,361 |
| Pretax return on assets | 2.0133% | 586 |
| Return on Equity (ROE) | 9.1118% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.3722% | 1,101 |
| Net charge-offs to loans | 0.0446% | 3,004 |
| Credit loss provision to net charge-offs | 272.7273% | 1,060 |
| Earnings coverage of net charge-offs (x) | 88.7351% | 696 |
| Efficiency ratio | 48.9273% | 5,827 |
| Assets per employee ($millions) | 5.7925% | 1,515 |
| Cash dividends to net income (ytd only)* | 8.1169% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 2,075 |
| Loan loss allowance to noncurrent loans | 590.5882% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 5,242 |
| Noncurrent loans to loans | 0.2571% | 4,656 |
| Net loans and leases to total assets | 48.8809% | 5,024 |
| Net loans and leases to deposits | 56.9890% | 5,074 |
| Net loans and leases to core deposits | 59.7793% | 5,082 |
| Total domestic deposits to total assets | 85.7725% | 2,656 |
| Equity capital to assets | 13.9820% | 1,030 |
| Core capital (leverage) ratio | 14.5199% | 732 |
| Tier 1 risk-based capital ratio | 23.8316% | 961 |
| Total risk-based capital ratio | 25.0823% | 950 |
| Memoranda: | ||
| Average total assets | $125,297,750 | 4,016 |
| Average earning assets | $117,207,750 | 3,981 |
| Average equity | $18,027,500 | 3,408 |
| Average total loans | $65,713,750 | 4,249 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 3,729 |
| Cost of funding earning assets | 0.2883% | 4,521 |
| Net interest margin | 3.6017% | 3,086 |
| Noninterest income to average assets | 0.7615% | 1,941 |
| Noninterest expense to average assets | 2.0219% | 5,485 |
| Loan and lease loss provision to assets | 0.0815% | 2,478 |
| Net operating income to assets | 1.3126% | 1,279 |
| Return on assets (ROA) | 1.3126% | 1,338 |
| Pretax return on assets | 2.0187% | 578 |
| Return on Equity (ROE) | 9.0311% | 2,522 |
| Retained earnings to average equity (ytd only) | 7.9092% | 1,303 |
| Net charge-offs to loans | 0.0366% | 2,948 |
| Credit loss provision to net charge-offs | 416.6667% | 722 |
| Earnings coverage of net charge-offs (x) | 107.3333% | 573 |
| Efficiency ratio | 49.0506% | 5,903 |
| Assets per employee ($millions) | 5.7375% | 1,538 |
| Cash dividends to net income (ytd only)* | 12.4224% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 2,318 |
| Loan loss allowance to noncurrent loans | 749.2537% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 5,256 |
| Noncurrent loans to loans | 0.1995% | 4,975 |
| Net loans and leases to total assets | 52.4052% | 4,717 |
| Net loans and leases to deposits | 61.3644% | 4,746 |
| Net loans and leases to core deposits | 64.5570% | 4,770 |
| Total domestic deposits to total assets | 85.4000% | 2,968 |
| Equity capital to assets | 14.3528% | 865 |
| Core capital (leverage) ratio | 14.4600% | 721 |
| Tier 1 risk-based capital ratio | 23.4732% | 1,012 |
| Total risk-based capital ratio | 24.7225% | 1,001 |
| Memoranda: | ||
| Average total assets | $122,654,330 | 4,101 |
| Average earning assets | $114,444,670 | 4,062 |
| Average equity | $17,827,330 | 3,447 |
| Average total loans | $65,576,000 | 4,287 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9018% | 3,604 |
| Cost of funding earning assets | 0.2855% | 4,604 |
| Net interest margin | 3.6163% | 2,941 |
| Noninterest income to average assets | 0.7214% | 2,056 |
| Noninterest expense to average assets | 1.9922% | 5,593 |
| Loan and lease loss provision to assets | 0.0993% | 2,040 |
| Net operating income to assets | 1.3204% | 1,209 |
| Return on assets (ROA) | 1.3204% | 1,294 |
| Pretax return on assets | 2.0253% | 558 |
| Return on Equity (ROE) | 9.0259% | 2,430 |
| Retained earnings to average equity (ytd only) | 9.0259% | 1,182 |
| Net charge-offs to loans | 0.0494% | 2,294 |
| Credit loss provision to net charge-offs | 375.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 80.2500% | 592 |
| Efficiency ratio | 48.3923% | 6,002 |
| Assets per employee ($millions) | 5.0690% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 2,468 |
| Loan loss allowance to noncurrent loans | 388.9764% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 5,115 |
| Noncurrent loans to loans | 0.3840% | 4,441 |
| Net loans and leases to total assets | 53.5612% | 4,493 |
| Net loans and leases to deposits | 63.1118% | 4,471 |
| Net loans and leases to core deposits | 65.7223% | 4,545 |
| Total domestic deposits to total assets | 84.8673% | 3,471 |
| Equity capital to assets | 14.7488% | 764 |
| Core capital (leverage) ratio | 14.7862% | 638 |
| Tier 1 risk-based capital ratio | 24.0004% | 995 |
| Total risk-based capital ratio | 25.2511% | 981 |
| Memoranda: | ||
| Average total assets | $120,868,500 | 4,172 |
| Average earning assets | $113,487,000 | 4,108 |
| Average equity | $17,682,500 | 3,498 |
| Average total loans | $64,787,500 | 4,342 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9806% | 3,792 |
| Cost of funding earning assets | 0.3025% | 4,767 |
| Net interest margin | 3.6781% | 3,089 |
| Noninterest income to average assets | 0.6815% | 2,386 |
| Noninterest expense to average assets | 2.0103% | 5,744 |
| Loan and lease loss provision to assets | 0.0385% | 3,802 |
| Net operating income to assets | 1.4194% | 1,041 |
| Return on assets (ROA) | 1.4194% | 1,071 |
| Pretax return on assets | 2.0847% | 426 |
| Return on Equity (ROE) | 9.7844% | 2,203 |
| Retained earnings to average equity (ytd only) | 6.1948% | 1,814 |
| Net charge-offs to loans | 0.0162% | 4,544 |
| Credit loss provision to net charge-offs | 450.0000% | 581 |
| Earnings coverage of net charge-offs (x) | 248.3000% | 219 |
| Efficiency ratio | 48.6347% | 6,159 |
| Assets per employee ($millions) | 5.2209% | 2,048 |
| Cash dividends to net income (ytd only)* | 36.6867% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 2,373 |
| Loan loss allowance to noncurrent loans | 715.5556% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 5,584 |
| Noncurrent loans to loans | 0.2128% | 5,055 |
| Net loans and leases to total assets | 52.0153% | 4,781 |
| Net loans and leases to deposits | 60.9991% | 4,807 |
| Net loans and leases to core deposits | 63.3841% | 4,883 |
| Total domestic deposits to total assets | 85.2723% | 3,177 |
| Equity capital to assets | 14.5087% | 807 |
| Core capital (leverage) ratio | 14.4207% | 719 |
| Tier 1 risk-based capital ratio | 24.0075% | 955 |
| Total risk-based capital ratio | 25.2583% | 934 |
| Memoranda: | ||
| Average total assets | $116,949,800 | 4,241 |
| Average earning assets | $109,757,000 | 4,189 |
| Average equity | $16,965,800 | 3,530 |
| Average total loans | $61,567,600 | 4,443 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 3,813 |
| Cost of funding earning assets | 0.3034% | 4,859 |
| Net interest margin | 3.6828% | 3,096 |
| Noninterest income to average assets | 0.6336% | 2,662 |
| Noninterest expense to average assets | 2.0063% | 5,766 |
| Loan and lease loss provision to assets | 0.0115% | 4,191 |
| Net operating income to assets | 1.3429% | 1,261 |
| Return on assets (ROA) | 1.3429% | 1,318 |
| Pretax return on assets | 2.0705% | 481 |
| Return on Equity (ROE) | 9.2570% | 2,566 |
| Retained earnings to average equity (ytd only) | 8.4658% | 1,166 |
| Net charge-offs to loans | -0.0044% | 5,278 |
| Credit loss provision to net charge-offs | -500.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0736% | 6,150 |
| Assets per employee ($millions) | 5.1414% | 2,088 |
| Cash dividends to net income (ytd only)* | 8.5470% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 2,790 |
| Loan loss allowance to noncurrent loans | 668.7943% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 5,692 |
| Noncurrent loans to loans | 0.2223% | 5,233 |
| Net loans and leases to total assets | 52.8338% | 4,718 |
| Net loans and leases to deposits | 62.0889% | 4,733 |
| Net loans and leases to core deposits | 64.7954% | 4,817 |
| Total domestic deposits to total assets | 85.0937% | 3,307 |
| Equity capital to assets | 14.7482% | 791 |
| Core capital (leverage) ratio | 14.9458% | 630 |
| Tier 1 risk-based capital ratio | 24.0366% | 985 |
| Total risk-based capital ratio | 25.2874% | 967 |
| Memoranda: | ||
| Average total assets | $116,167,250 | 4,298 |
| Average earning assets | $108,973,500 | 4,245 |
| Average equity | $16,851,750 | 3,562 |
| Average total loans | $61,103,000 | 4,492 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0080% | 3,699 |
| Cost of funding earning assets | 0.3069% | 4,905 |
| Net interest margin | 3.7011% | 2,961 |
| Noninterest income to average assets | 0.6062% | 2,788 |
| Noninterest expense to average assets | 2.0126% | 5,820 |
| Loan and lease loss provision to assets | 0.0173% | 3,915 |
| Net operating income to assets | 1.3250% | 1,237 |
| Return on assets (ROA) | 1.3250% | 1,290 |
| Pretax return on assets | 2.0438% | 503 |
| Return on Equity (ROE) | 9.1861% | 2,510 |
| Retained earnings to average equity (ytd only) | 7.9853% | 1,334 |
| Net charge-offs to loans | -0.0033% | 5,115 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4048% | 6,205 |
| Assets per employee ($millions) | 5.1143% | 2,079 |
| Cash dividends to net income (ytd only)* | 13.0719% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 2,533 |
| Loan loss allowance to noncurrent loans | 645.2055% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 5,785 |
| Noncurrent loans to loans | 0.2452% | 5,266 |
| Net loans and leases to total assets | 49.8253% | 4,978 |
| Net loans and leases to deposits | 58.5072% | 4,993 |
| Net loans and leases to core deposits | 60.7158% | 5,084 |
| Total domestic deposits to total assets | 85.1610% | 3,430 |
| Equity capital to assets | 14.5185% | 815 |
| Core capital (leverage) ratio | 14.6259% | 670 |
| Tier 1 risk-based capital ratio | 24.5232% | 929 |
| Total risk-based capital ratio | 25.7734% | 909 |
| Memoranda: | ||
| Average total assets | $115,472,330 | 4,340 |
| Average earning assets | $108,184,000 | 4,285 |
| Average equity | $16,655,670 | 3,592 |
| Average total loans | $60,330,670 | 4,538 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 3,538 |
| Cost of funding earning assets | 0.3093% | 4,974 |
| Net interest margin | 3.7266% | 2,762 |
| Noninterest income to average assets | 0.5874% | 2,807 |
| Noninterest expense to average assets | 2.0106% | 5,862 |
| Loan and lease loss provision to assets | 0.0350% | 3,356 |
| Net operating income to assets | 1.3217% | 1,158 |
| Return on assets (ROA) | 1.3217% | 1,208 |
| Pretax return on assets | 2.0386% | 493 |
| Return on Equity (ROE) | 9.1946% | 2,377 |
| Retained earnings to average equity (ytd only) | 9.1946% | 1,197 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2295% | 6,303 |
| Assets per employee ($millions) | 5.0102% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5804% | 2,794 |
| Loan loss allowance to noncurrent loans | 361.9231% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 5,525 |
| Noncurrent loans to loans | 0.4367% | 4,837 |
| Net loans and leases to total assets | 50.8548% | 4,811 |
| Net loans and leases to deposits | 59.6895% | 4,795 |
| Net loans and leases to core deposits | 63.0278% | 4,783 |
| Total domestic deposits to total assets | 85.1988% | 3,781 |
| Equity capital to assets | 14.4714% | 796 |
| Core capital (leverage) ratio | 14.6375% | 668 |
| Tier 1 risk-based capital ratio | 24.1104% | 987 |
| Total risk-based capital ratio | 25.3607% | 970 |
| Memoranda: | ||
| Average total assets | $114,394,000 | 4,404 |
| Average earning assets | $107,337,500 | 4,335 |
| Average equity | $16,444,500 | 3,629 |
| Average total loans | $60,720,500 | 4,563 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 3,216 |
| Cost of funding earning assets | 0.3171% | 5,450 |
| Net interest margin | 3.9172% | 2,229 |
| Noninterest income to average assets | 0.6655% | 2,732 |
| Noninterest expense to average assets | 2.1121% | 5,806 |
| Loan and lease loss provision to assets | 0.0316% | 4,484 |
| Net operating income to assets | 1.4835% | 852 |
| Return on assets (ROA) | 1.4835% | 898 |
| Pretax return on assets | 2.1869% | 323 |
| Return on Equity (ROE) | 10.3000% | 1,994 |
| Retained earnings to average equity (ytd only) | 7.1130% | 1,395 |
| Net charge-offs to loans | 0.0294% | 4,839 |
| Credit loss provision to net charge-offs | 205.8824% | 1,114 |
| Earnings coverage of net charge-offs (x) | 144.7059% | 318 |
| Efficiency ratio | 48.7713% | 6,459 |
| Assets per employee ($millions) | 4.9371% | 2,254 |
| Cash dividends to net income (ytd only)* | 30.9422% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 3,180 |
| Loan loss allowance to noncurrent loans | 338.1818% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 5,550 |
| Noncurrent loans to loans | 0.4443% | 4,891 |
| Net loans and leases to total assets | 53.6908% | 4,625 |
| Net loans and leases to deposits | 63.0656% | 4,601 |
| Net loans and leases to core deposits | 66.1466% | 4,680 |
| Total domestic deposits to total assets | 85.1348% | 3,678 |
| Equity capital to assets | 14.2778% | 834 |
| Core capital (leverage) ratio | 14.3297% | 738 |
| Tier 1 risk-based capital ratio | 23.2544% | 1,060 |
| Total risk-based capital ratio | 24.5055% | 1,037 |
| Memoranda: | ||
| Average total assets | $110,886,200 | 4,476 |
| Average earning assets | $103,746,400 | 4,414 |
| Average equity | $15,970,800 | 3,706 |
| Average total loans | $57,877,400 | 4,692 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2290% | 3,278 |
| Cost of funding earning assets | 0.3222% | 5,525 |
| Net interest margin | 3.9067% | 2,248 |
| Noninterest income to average assets | 0.7040% | 2,584 |
| Noninterest expense to average assets | 2.1036% | 5,821 |
| Loan and lease loss provision to assets | 0.0181% | 4,655 |
| Net operating income to assets | 1.4468% | 989 |
| Return on assets (ROA) | 1.4468% | 1,048 |
| Pretax return on assets | 2.2343% | 356 |
| Return on Equity (ROE) | 10.0227% | 2,172 |
| Retained earnings to average equity (ytd only) | 10.0227% | 784 |
| Net charge-offs to loans | -0.0023% | 5,696 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2921% | 6,490 |
| Assets per employee ($millions) | 4.7841% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 2,874 |
| Loan loss allowance to noncurrent loans | 303.5948% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 5,610 |
| Noncurrent loans to loans | 0.5381% | 4,850 |
| Net loans and leases to total assets | 50.8393% | 5,027 |
| Net loans and leases to deposits | 59.8639% | 4,988 |
| Net loans and leases to core deposits | 63.3885% | 4,965 |
| Total domestic deposits to total assets | 84.9248% | 3,781 |
| Equity capital to assets | 14.8553% | 739 |
| Core capital (leverage) ratio | 14.9551% | 652 |
| Tier 1 risk-based capital ratio | 25.1149% | 864 |
| Total risk-based capital ratio | 26.3674% | 855 |
| Memoranda: | ||
| Average total assets | $110,219,250 | 4,531 |
| Average earning assets | $103,032,750 | 4,474 |
| Average equity | $15,910,250 | 3,759 |
| Average total loans | $56,872,250 | 4,763 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2514% | 3,150 |
| Cost of funding earning assets | 0.3242% | 5,623 |
| Net interest margin | 3.9272% | 2,120 |
| Noninterest income to average assets | 0.7853% | 2,262 |
| Noninterest expense to average assets | 2.1273% | 5,808 |
| Loan and lease loss provision to assets | 0.0181% | 4,530 |
| Net operating income to assets | 1.4962% | 908 |
| Return on assets (ROA) | 1.4962% | 976 |
| Pretax return on assets | 2.3087% | 347 |
| Return on Equity (ROE) | 10.4662% | 2,022 |
| Retained earnings to average equity (ytd only) | 10.4662% | 751 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7606% | 6,551 |
| Assets per employee ($millions) | 4.6010% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 2,967 |
| Loan loss allowance to noncurrent loans | 286.6460% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 5,599 |
| Noncurrent loans to loans | 0.5768% | 4,817 |
| Net loans and leases to total assets | 49.7193% | 5,138 |
| Net loans and leases to deposits | 58.1318% | 5,150 |
| Net loans and leases to core deposits | 60.8332% | 5,188 |
| Total domestic deposits to total assets | 85.5285% | 3,628 |
| Equity capital to assets | 14.2967% | 875 |
| Core capital (leverage) ratio | 14.4881% | 703 |
| Tier 1 risk-based capital ratio | 24.6367% | 916 |
| Total risk-based capital ratio | 25.8893% | 899 |
| Memoranda: | ||
| Average total assets | $110,280,670 | 4,565 |
| Average earning assets | $103,024,000 | 4,494 |
| Average equity | $15,765,000 | 3,808 |
| Average total loans | $56,873,000 | 4,788 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 2,864 |
| Cost of funding earning assets | 0.3278% | 5,738 |
| Net interest margin | 3.9803% | 1,862 |
| Noninterest income to average assets | 0.5009% | 3,764 |
| Noninterest expense to average assets | 2.1305% | 5,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3647% | 1,112 |
| Return on assets (ROA) | 1.3647% | 1,201 |
| Pretax return on assets | 2.0724% | 525 |
| Return on Equity (ROE) | 9.5468% | 2,245 |
| Retained earnings to average equity (ytd only) | 9.5468% | 1,233 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6908% | 6,457 |
| Assets per employee ($millions) | 4.5820% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 3,425 |
| Loan loss allowance to noncurrent loans | 273.3533% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 5,361 |
| Noncurrent loans to loans | 0.5828% | 4,984 |
| Net loans and leases to total assets | 51.2827% | 4,795 |
| Net loans and leases to deposits | 60.3693% | 4,753 |
| Net loans and leases to core deposits | 63.2064% | 4,823 |
| Total domestic deposits to total assets | 84.9482% | 4,066 |
| Equity capital to assets | 14.4898% | 879 |
| Core capital (leverage) ratio | 14.2456% | 730 |
| Tier 1 risk-based capital ratio | 23.3713% | 1,098 |
| Total risk-based capital ratio | 24.6225% | 1,082 |
| Memoranda: | ||
| Average total assets | $110,209,000 | 4,610 |
| Average earning assets | $102,505,000 | 4,552 |
| Average equity | $15,754,000 | 3,860 |
| Average total loans | $57,397,000 | 4,800 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 3,050 |
| Cost of funding earning assets | 0.3850% | 6,016 |
| Net interest margin | 4.2033% | 1,651 |
| Noninterest income to average assets | 0.5197% | 3,775 |
| Noninterest expense to average assets | 2.1861% | 5,952 |
| Loan and lease loss provision to assets | 0.0581% | 5,046 |
| Net operating income to assets | 1.4741% | 970 |
| Return on assets (ROA) | 1.4741% | 1,077 |
| Pretax return on assets | 2.2014% | 413 |
| Return on Equity (ROE) | 10.9071% | 1,832 |
| Retained earnings to average equity (ytd only) | 7.5384% | 1,316 |
| Net charge-offs to loans | 0.0545% | 5,168 |
| Credit loss provision to net charge-offs | 203.1250% | 1,266 |
| Earnings coverage of net charge-offs (x) | 78.9375% | 483 |
| Efficiency ratio | 49.1751% | 6,640 |
| Assets per employee ($millions) | 4.6021% | 2,782 |
| Cash dividends to net income (ytd only)* | 30.8859% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 3,372 |
| Loan loss allowance to noncurrent loans | 393.5345% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 5,685 |
| Noncurrent loans to loans | 0.4036% | 5,479 |
| Net loans and leases to total assets | 51.2209% | 5,007 |
| Net loans and leases to deposits | 59.8920% | 5,036 |
| Net loans and leases to core deposits | 63.0920% | 5,050 |
| Total domestic deposits to total assets | 85.5221% | 3,599 |
| Equity capital to assets | 14.1004% | 1,006 |
| Core capital (leverage) ratio | 13.7799% | 865 |
| Tier 1 risk-based capital ratio | 22.9004% | 1,125 |
| Total risk-based capital ratio | 24.1507% | 1,111 |
| Memoranda: | ||
| Average total assets | $111,794,800 | 4,552 |
| Average earning assets | $104,416,800 | 4,482 |
| Average equity | $15,109,400 | 3,943 |
| Average total loans | $58,697,200 | 4,765 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6075% | 3,173 |
| Cost of funding earning assets | 0.4034% | 6,098 |
| Net interest margin | 4.2042% | 1,725 |
| Noninterest income to average assets | 0.5065% | 3,881 |
| Noninterest expense to average assets | 2.1534% | 6,057 |
| Loan and lease loss provision to assets | 0.0357% | 5,326 |
| Net operating income to assets | 1.4554% | 1,114 |
| Return on assets (ROA) | 1.4554% | 1,236 |
| Pretax return on assets | 2.2461% | 446 |
| Return on Equity (ROE) | 10.8846% | 1,999 |
| Retained earnings to average equity (ytd only) | 10.8846% | 703 |
| Net charge-offs to loans | 0.0226% | 5,348 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 191.9430% | 234 |
| Efficiency ratio | 48.5523% | 6,685 |
| Assets per employee ($millions) | 4.7434% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 3,634 |
| Loan loss allowance to noncurrent loans | 376.5690% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 5,730 |
| Noncurrent loans to loans | 0.4177% | 5,618 |
| Net loans and leases to total assets | 51.6265% | 5,098 |
| Net loans and leases to deposits | 60.5589% | 5,140 |
| Net loans and leases to core deposits | 63.8471% | 5,164 |
| Total domestic deposits to total assets | 85.2501% | 3,639 |
| Equity capital to assets | 14.3209% | 1,029 |
| Core capital (leverage) ratio | 13.5839% | 986 |
| Tier 1 risk-based capital ratio | 23.0888% | 1,162 |
| Total risk-based capital ratio | 24.3410% | 1,137 |
| Memoranda: | ||
| Average total assets | $112,130,750 | 4,581 |
| Average earning assets | $104,782,000 | 4,517 |
| Average equity | $14,993,250 | 4,004 |
| Average total loans | $58,999,750 | 4,800 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 3,339 |
| Cost of funding earning assets | 0.4277% | 6,114 |
| Net interest margin | 4.1764% | 1,824 |
| Noninterest income to average assets | 0.4967% | 3,944 |
| Noninterest expense to average assets | 2.1389% | 6,160 |
| Loan and lease loss provision to assets | 0.0530% | 5,003 |
| Net operating income to assets | 1.4283% | 1,134 |
| Return on assets (ROA) | 1.4283% | 1,267 |
| Pretax return on assets | 2.2061% | 481 |
| Return on Equity (ROE) | 10.9315% | 2,011 |
| Retained earnings to average equity (ytd only) | 10.9315% | 760 |
| Net charge-offs to loans | 0.0034% | 5,471 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 1,278.0000% | 21 |
| Efficiency ratio | 48.6334% | 6,737 |
| Assets per employee ($millions) | 4.7214% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 3,922 |
| Loan loss allowance to noncurrent loans | 362.1514% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 5,761 |
| Noncurrent loans to loans | 0.4195% | 5,695 |
| Net loans and leases to total assets | 52.0020% | 5,097 |
| Net loans and leases to deposits | 60.3530% | 5,214 |
| Net loans and leases to core deposits | 63.4653% | 5,263 |
| Total domestic deposits to total assets | 86.1631% | 3,276 |
| Equity capital to assets | 13.4071% | 1,338 |
| Core capital (leverage) ratio | 13.1897% | 1,094 |
| Tier 1 risk-based capital ratio | 21.4761% | 1,392 |
| Total risk-based capital ratio | 22.7269% | 1,366 |
| Memoranda: | ||
| Average total assets | $113,141,330 | 4,588 |
| Average earning assets | $105,689,670 | 4,515 |
| Average equity | $14,783,000 | 4,035 |
| Average total loans | $59,591,670 | 4,807 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6325% | 3,348 |
| Cost of funding earning assets | 0.4587% | 6,088 |
| Net interest margin | 4.1738% | 1,841 |
| Noninterest income to average assets | 0.4847% | 4,024 |
| Noninterest expense to average assets | 2.1335% | 6,193 |
| Loan and lease loss provision to assets | 0.0708% | 4,516 |
| Net operating income to assets | 1.4117% | 1,204 |
| Return on assets (ROA) | 1.4117% | 1,349 |
| Pretax return on assets | 2.1759% | 561 |
| Return on Equity (ROE) | 10.9476% | 2,037 |
| Retained earnings to average equity (ytd only) | 10.9476% | 1,040 |
| Net charge-offs to loans | 0.0067% | 4,649 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 635.0000% | 35 |
| Efficiency ratio | 48.7076% | 6,757 |
| Assets per employee ($millions) | 4.4792% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 4,118 |
| Loan loss allowance to noncurrent loans | 344.4444% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 5,766 |
| Noncurrent loans to loans | 0.4377% | 5,792 |
| Net loans and leases to total assets | 52.4451% | 4,955 |
| Net loans and leases to deposits | 60.8770% | 5,058 |
| Net loans and leases to core deposits | 63.6756% | 5,157 |
| Total domestic deposits to total assets | 86.1493% | 3,445 |
| Equity capital to assets | 13.2202% | 1,347 |
| Core capital (leverage) ratio | 12.8491% | 1,186 |
| Tier 1 risk-based capital ratio | 21.0269% | 1,491 |
| Total risk-based capital ratio | 22.2777% | 1,460 |
| Memoranda: | ||
| Average total assets | $113,055,500 | 4,619 |
| Average earning assets | $105,515,000 | 4,557 |
| Average equity | $14,578,500 | 4,076 |
| Average total loans | $59,470,500 | 4,839 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 4,461 |
| Cost of funding earning assets | 0.6635% | 5,748 |
| Net interest margin | 3.9846% | 2,963 |
| Noninterest income to average assets | 0.4899% | 3,923 |
| Noninterest expense to average assets | 2.2021% | 6,265 |
| Loan and lease loss provision to assets | 0.1005% | 5,333 |
| Net operating income to assets | 1.2918% | 1,270 |
| Return on assets (ROA) | 1.2918% | 1,369 |
| Pretax return on assets | 1.8972% | 667 |
| Return on Equity (ROE) | 10.5850% | 1,849 |
| Retained earnings to average equity (ytd only) | 7.7257% | 1,181 |
| Net charge-offs to loans | 0.0586% | 5,721 |
| Credit loss provision to net charge-offs | 335.2941% | 694 |
| Earnings coverage of net charge-offs (x) | 66.6765% | 446 |
| Efficiency ratio | 52.4339% | 6,668 |
| Assets per employee ($millions) | 4.3897% | 3,084 |
| Cash dividends to net income (ytd only)* | 27.0123% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 4,094 |
| Loan loss allowance to noncurrent loans | 571.4286% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 6,066 |
| Noncurrent loans to loans | 0.2596% | 6,206 |
| Net loans and leases to total assets | 51.1991% | 5,439 |
| Net loans and leases to deposits | 59.0929% | 5,591 |
| Net loans and leases to core deposits | 62.4162% | 5,611 |
| Total domestic deposits to total assets | 86.6417% | 2,953 |
| Equity capital to assets | 12.5759% | 1,760 |
| Core capital (leverage) ratio | 12.3014% | 1,437 |
| Tier 1 risk-based capital ratio | 20.2571% | 1,581 |
| Total risk-based capital ratio | 21.5081% | 1,557 |
| Memoranda: | ||
| Average total assets | $113,481,000 | 4,558 |
| Average earning assets | $105,657,000 | 4,509 |
| Average equity | $13,849,800 | 4,145 |
| Average total loans | $58,008,000 | 4,950 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 4,715 |
| Cost of funding earning assets | 0.6953% | 5,802 |
| Net interest margin | 3.9428% | 3,180 |
| Noninterest income to average assets | 0.4836% | 4,009 |
| Noninterest expense to average assets | 2.1167% | 6,475 |
| Loan and lease loss provision to assets | 0.1153% | 4,989 |
| Net operating income to assets | 1.2507% | 1,517 |
| Return on assets (ROA) | 1.2507% | 1,618 |
| Pretax return on assets | 1.9214% | 741 |
| Return on Equity (ROE) | 10.3272% | 2,095 |
| Retained earnings to average equity (ytd only) | 10.3272% | 757 |
| Net charge-offs to loans | 0.1364% | 4,693 |
| Credit loss provision to net charge-offs | 166.1017% | 1,833 |
| Earnings coverage of net charge-offs (x) | 29.3407% | 948 |
| Efficiency ratio | 50.9632% | 6,766 |
| Assets per employee ($millions) | 4.5564% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 4,281 |
| Loan loss allowance to noncurrent loans | 441.5789% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 6,020 |
| Noncurrent loans to loans | 0.3310% | 6,190 |
| Net loans and leases to total assets | 49.6563% | 5,749 |
| Net loans and leases to deposits | 57.1985% | 5,918 |
| Net loans and leases to core deposits | 60.6418% | 5,933 |
| Total domestic deposits to total assets | 86.8140% | 2,765 |
| Equity capital to assets | 12.6066% | 1,845 |
| Core capital (leverage) ratio | 12.3455% | 1,513 |
| Tier 1 risk-based capital ratio | 20.6238% | 1,533 |
| Total risk-based capital ratio | 21.8598% | 1,507 |
| Memoranda: | ||
| Average total assets | $113,318,500 | 4,595 |
| Average earning assets | $105,472,250 | 4,539 |
| Average equity | $13,724,000 | 4,183 |
| Average total loans | $57,681,500 | 5,008 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 4,628 |
| Cost of funding earning assets | 0.7305% | 5,779 |
| Net interest margin | 3.9487% | 3,092 |
| Noninterest income to average assets | 0.4827% | 4,000 |
| Noninterest expense to average assets | 2.1375% | 6,525 |
| Loan and lease loss provision to assets | 0.1149% | 4,849 |
| Net operating income to assets | 1.2394% | 1,465 |
| Return on assets (ROA) | 1.2394% | 1,539 |
| Pretax return on assets | 1.9094% | 695 |
| Return on Equity (ROE) | 10.3760% | 1,990 |
| Retained earnings to average equity (ytd only) | 10.3760% | 773 |
| Net charge-offs to loans | 0.1246% | 4,480 |
| Credit loss provision to net charge-offs | 180.5556% | 1,671 |
| Earnings coverage of net charge-offs (x) | 31.8056% | 881 |
| Efficiency ratio | 51.3594% | 6,842 |
| Assets per employee ($millions) | 4.6136% | 2,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 4,624 |
| Loan loss allowance to noncurrent loans | 311.6541% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4838% | 5,956 |
| Noncurrent loans to loans | 0.4462% | 6,016 |
| Net loans and leases to total assets | 50.9702% | 5,699 |
| Net loans and leases to deposits | 58.3983% | 5,889 |
| Net loans and leases to core deposits | 61.8467% | 5,911 |
| Total domestic deposits to total assets | 87.2802% | 2,581 |
| Equity capital to assets | 12.1718% | 1,983 |
| Core capital (leverage) ratio | 12.0766% | 1,566 |
| Tier 1 risk-based capital ratio | 19.5057% | 1,715 |
| Total risk-based capital ratio | 20.6914% | 1,698 |
| Memoranda: | ||
| Average total assets | $113,121,670 | 4,628 |
| Average earning assets | $105,400,670 | 4,577 |
| Average equity | $13,512,000 | 4,223 |
| Average total loans | $57,774,670 | 5,055 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6449% | 4,761 |
| Cost of funding earning assets | 0.7678% | 5,766 |
| Net interest margin | 3.8771% | 3,261 |
| Noninterest income to average assets | 0.5214% | 3,716 |
| Noninterest expense to average assets | 2.1176% | 6,593 |
| Loan and lease loss provision to assets | 0.1250% | 4,435 |
| Net operating income to assets | 1.2356% | 1,440 |
| Return on assets (ROA) | 1.2356% | 1,494 |
| Pretax return on assets | 1.9034% | 674 |
| Return on Equity (ROE) | 10.4465% | 1,933 |
| Retained earnings to average equity (ytd only) | 10.4465% | 1,009 |
| Net charge-offs to loans | 0.2955% | 2,870 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | 13.5238% | 1,428 |
| Efficiency ratio | 51.0767% | 6,910 |
| Assets per employee ($millions) | 4.6791% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 4,775 |
| Loan loss allowance to noncurrent loans | 331.7992% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 6,042 |
| Noncurrent loans to loans | 0.4154% | 6,166 |
| Net loans and leases to total assets | 50.5223% | 5,780 |
| Net loans and leases to deposits | 57.7013% | 5,955 |
| Net loans and leases to core deposits | 61.2713% | 5,993 |
| Total domestic deposits to total assets | 87.5582% | 2,634 |
| Equity capital to assets | 11.9173% | 1,969 |
| Core capital (leverage) ratio | 11.9418% | 1,593 |
| Tier 1 risk-based capital ratio | 19.4966% | 1,699 |
| Total risk-based capital ratio | 20.6605% | 1,684 |
| Memoranda: | ||
| Average total assets | $112,012,500 | 4,686 |
| Average earning assets | $104,718,000 | 4,620 |
| Average equity | $13,248,500 | 4,282 |
| Average total loans | $56,853,000 | 5,136 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9600% | 4,745 |
| Cost of funding earning assets | 0.9887% | 5,743 |
| Net interest margin | 3.9713% | 3,140 |
| Noninterest income to average assets | 0.5012% | 4,155 |
| Noninterest expense to average assets | 2.1400% | 6,752 |
| Loan and lease loss provision to assets | 0.1029% | 6,113 |
| Net operating income to assets | 1.3034% | 1,162 |
| Return on assets (ROA) | 1.3034% | 1,222 |
| Pretax return on assets | 1.9437% | 550 |
| Return on Equity (ROE) | 10.7520% | 1,661 |
| Retained earnings to average equity (ytd only) | 8.0876% | 956 |
| Net charge-offs to loans | 0.1021% | 5,840 |
| Credit loss provision to net charge-offs | 196.3636% | 1,615 |
| Earnings coverage of net charge-offs (x) | 39.0545% | 596 |
| Efficiency ratio | 51.1152% | 7,053 |
| Assets per employee ($millions) | 4.8577% | 2,336 |
| Cash dividends to net income (ytd only)* | 24.7807% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 4,404 |
| Loan loss allowance to noncurrent loans | 334.7280% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 6,695 |
| Noncurrent loans to loans | 0.4254% | 6,198 |
| Net loans and leases to total assets | 49.5650% | 6,202 |
| Net loans and leases to deposits | 56.5747% | 6,393 |
| Net loans and leases to core deposits | 61.4058% | 6,283 |
| Total domestic deposits to total assets | 87.6099% | 2,476 |
| Equity capital to assets | 11.7376% | 2,094 |
| Core capital (leverage) ratio | 11.6702% | 1,744 |
| Tier 1 risk-based capital ratio | 19.2332% | 1,664 |
| Total risk-based capital ratio | 20.4225% | 1,650 |
| Memoranda: | ||
| Average total assets | $104,954,000 | 4,851 |
| Average earning assets | $97,398,400 | 4,794 |
| Average equity | $12,723,200 | 4,421 |
| Average total loans | $53,845,400 | 5,322 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0247% | 4,695 |
| Cost of funding earning assets | 1.0315% | 5,791 |
| Net interest margin | 3.9932% | 3,138 |
| Noninterest income to average assets | 0.5061% | 4,132 |
| Noninterest expense to average assets | 2.1576% | 6,718 |
| Loan and lease loss provision to assets | 0.0904% | 6,135 |
| Net operating income to assets | 1.2680% | 1,416 |
| Return on assets (ROA) | 1.2680% | 1,499 |
| Pretax return on assets | 1.9523% | 699 |
| Return on Equity (ROE) | 10.3703% | 1,983 |
| Retained earnings to average equity (ytd only) | 10.3703% | 706 |
| Net charge-offs to loans | 0.0576% | 5,943 |
| Credit loss provision to net charge-offs | 304.3478% | 1,048 |
| Earnings coverage of net charge-offs (x) | 68.7734% | 438 |
| Efficiency ratio | 51.3680% | 7,042 |
| Assets per employee ($millions) | 4.7192% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 4,171 |
| Loan loss allowance to noncurrent loans | 297.3783% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 6,751 |
| Noncurrent loans to loans | 0.4900% | 6,217 |
| Net loans and leases to total assets | 49.4730% | 6,378 |
| Net loans and leases to deposits | 56.6918% | 6,567 |
| Net loans and leases to core deposits | 61.5370% | 6,497 |
| Total domestic deposits to total assets | 87.2667% | 2,391 |
| Equity capital to assets | 12.2635% | 2,002 |
| Core capital (leverage) ratio | 12.2880% | 1,515 |
| Tier 1 risk-based capital ratio | 19.6959% | 1,607 |
| Total risk-based capital ratio | 20.9092% | 1,583 |
| Memoranda: | ||
| Average total assets | $103,261,000 | 4,957 |
| Average earning assets | $95,526,000 | 4,910 |
| Average equity | $12,625,500 | 4,516 |
| Average total loans | $53,262,500 | 5,422 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1037% | 4,433 |
| Cost of funding earning assets | 1.0921% | 5,718 |
| Net interest margin | 4.0116% | 2,957 |
| Noninterest income to average assets | 0.4926% | 4,177 |
| Noninterest expense to average assets | 2.2089% | 6,623 |
| Loan and lease loss provision to assets | 0.0887% | 6,037 |
| Net operating income to assets | 1.2335% | 1,471 |
| Return on assets (ROA) | 1.2335% | 1,534 |
| Pretax return on assets | 1.8936% | 742 |
| Return on Equity (ROE) | 10.0992% | 2,074 |
| Retained earnings to average equity (ytd only) | 10.0992% | 826 |
| Net charge-offs to loans | 0.0908% | 5,228 |
| Credit loss provision to net charge-offs | 187.5000% | 2,099 |
| Earnings coverage of net charge-offs (x) | 41.9167% | 699 |
| Efficiency ratio | 52.7033% | 7,009 |
| Assets per employee ($millions) | 4.7384% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 4,080 |
| Loan loss allowance to noncurrent loans | 853.3333% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 7,177 |
| Noncurrent loans to loans | 0.1720% | 6,910 |
| Net loans and leases to total assets | 49.4681% | 6,494 |
| Net loans and leases to deposits | 56.7043% | 6,671 |
| Net loans and leases to core deposits | 61.8269% | 6,566 |
| Total domestic deposits to total assets | 87.2387% | 2,413 |
| Equity capital to assets | 12.2807% | 1,933 |
| Core capital (leverage) ratio | 12.4419% | 1,424 |
| Tier 1 risk-based capital ratio | 19.9323% | 1,526 |
| Total risk-based capital ratio | 21.1536% | 1,496 |
| Memoranda: | ||
| Average total assets | $101,500,670 | 5,039 |
| Average earning assets | $93,578,330 | 4,998 |
| Average equity | $12,397,000 | 4,573 |
| Average total loans | $52,852,330 | 5,474 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1695% | 4,199 |
| Cost of funding earning assets | 1.1493% | 5,663 |
| Net interest margin | 4.0203% | 2,788 |
| Noninterest income to average assets | 0.4554% | 4,419 |
| Noninterest expense to average assets | 2.2491% | 6,548 |
| Loan and lease loss provision to assets | 0.0599% | 6,041 |
| Net operating income to assets | 1.2025% | 1,533 |
| Return on assets (ROA) | 1.2025% | 1,609 |
| Pretax return on assets | 1.8496% | 807 |
| Return on Equity (ROE) | 9.8733% | 2,147 |
| Retained earnings to average equity (ytd only) | 9.8733% | 1,170 |
| Net charge-offs to loans | 0.0151% | 5,372 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 239.0000% | 143 |
| Efficiency ratio | 54.0826% | 6,965 |
| Assets per employee ($millions) | 4.6046% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 4,213 |
| Loan loss allowance to noncurrent loans | 622.9508% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 7,175 |
| Noncurrent loans to loans | 0.2310% | 6,876 |
| Net loans and leases to total assets | 51.3894% | 6,335 |
| Net loans and leases to deposits | 58.8080% | 6,568 |
| Net loans and leases to core deposits | 65.0709% | 6,366 |
| Total domestic deposits to total assets | 87.3851% | 2,419 |
| Equity capital to assets | 12.1578% | 1,954 |
| Core capital (leverage) ratio | 12.3448% | 1,473 |
| Tier 1 risk-based capital ratio | 19.3607% | 1,645 |
| Total risk-based capital ratio | 20.5658% | 1,623 |
| Memoranda: | ||
| Average total assets | $100,128,500 | 5,142 |
| Average earning assets | $92,232,500 | 5,098 |
| Average equity | $12,194,500 | 4,666 |
| Average total loans | $53,110,500 | 5,530 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6561% | 3,322 |
| Cost of funding earning assets | 1.4427% | 5,748 |
| Net interest margin | 4.2134% | 2,021 |
| Noninterest income to average assets | 0.5508% | 4,019 |
| Noninterest expense to average assets | 2.3229% | 6,683 |
| Loan and lease loss provision to assets | 0.1495% | 6,167 |
| Net operating income to assets | 1.3056% | 1,020 |
| Return on assets (ROA) | 1.3056% | 1,065 |
| Pretax return on assets | 1.9568% | 443 |
| Return on Equity (ROE) | 10.5849% | 1,523 |
| Retained earnings to average equity (ytd only) | 6.6729% | 1,086 |
| Net charge-offs to loans | 0.1734% | 5,563 |
| Credit loss provision to net charge-offs | 159.0909% | 2,815 |
| Earnings coverage of net charge-offs (x) | 22.4205% | 965 |
| Efficiency ratio | 52.4464% | 7,354 |
| Assets per employee ($millions) | 4.3024% | 3,264 |
| Cash dividends to net income (ytd only)* | 36.9583% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 4,245 |
| Loan loss allowance to noncurrent loans | 508.1633% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 7,105 |
| Noncurrent loans to loans | 0.2753% | 6,741 |
| Net loans and leases to total assets | 53.2115% | 6,285 |
| Net loans and leases to deposits | 61.1319% | 6,546 |
| Net loans and leases to core deposits | 82.2223% | 5,893 |
| Total domestic deposits to total assets | 87.0437% | 2,478 |
| Equity capital to assets | 12.2004% | 1,911 |
| Core capital (leverage) ratio | 12.7347% | 1,336 |
| Tier 1 risk-based capital ratio | 18.8328% | 1,693 |
| Total risk-based capital ratio | 20.0142% | 1,668 |
| Memoranda: | ||
| Average total assets | $93,675,400 | 5,278 |
| Average earning assets | $86,225,800 | 5,253 |
| Average equity | $11,554,200 | 4,859 |
| Average total loans | $50,744,800 | 5,635 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7045% | 3,318 |
| Cost of funding earning assets | 1.4873% | 5,872 |
| Net interest margin | 4.2172% | 1,981 |
| Noninterest income to average assets | 0.5645% | 3,975 |
| Noninterest expense to average assets | 2.2969% | 6,719 |
| Loan and lease loss provision to assets | 0.1227% | 6,131 |
| Net operating income to assets | 1.3296% | 1,158 |
| Return on assets (ROA) | 1.3296% | 1,222 |
| Pretax return on assets | 2.0255% | 517 |
| Return on Equity (ROE) | 10.7486% | 1,691 |
| Retained earnings to average equity (ytd only) | 10.7486% | 503 |
| Net charge-offs to loans | 0.1651% | 5,069 |
| Credit loss provision to net charge-offs | 137.0968% | 3,608 |
| Earnings coverage of net charge-offs (x) | 24.0013% | 1,098 |
| Efficiency ratio | 51.6726% | 7,436 |
| Assets per employee ($millions) | 4.1729% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 4,015 |
| Loan loss allowance to noncurrent loans | 427.3810% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 7,051 |
| Noncurrent loans to loans | 0.3246% | 6,708 |
| Net loans and leases to total assets | 53.1815% | 6,474 |
| Net loans and leases to deposits | 61.0368% | 6,747 |
| Net loans and leases to core deposits | 81.9873% | 6,190 |
| Total domestic deposits to total assets | 87.1302% | 2,113 |
| Equity capital to assets | 12.4519% | 1,984 |
| Core capital (leverage) ratio | 12.6804% | 1,507 |
| Tier 1 risk-based capital ratio | 19.0625% | 1,737 |
| Total risk-based capital ratio | 20.2364% | 1,709 |
| Memoranda: | ||
| Average total assets | $92,355,250 | 5,353 |
| Average earning assets | $84,982,750 | 5,338 |
| Average equity | $11,424,500 | 4,940 |
| Average total loans | $50,080,250 | 5,713 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6991% | 3,541 |
| Cost of funding earning assets | 1.5400% | 5,976 |
| Net interest margin | 4.1591% | 2,128 |
| Noninterest income to average assets | 0.5442% | 4,079 |
| Noninterest expense to average assets | 2.2162% | 7,018 |
| Loan and lease loss provision to assets | 0.1207% | 5,913 |
| Net operating income to assets | 1.3407% | 1,139 |
| Return on assets (ROA) | 1.3407% | 1,212 |
| Pretax return on assets | 2.0297% | 522 |
| Return on Equity (ROE) | 10.8632% | 1,737 |
| Retained earnings to average equity (ytd only) | 10.8632% | 582 |
| Net charge-offs to loans | 0.0485% | 5,800 |
| Credit loss provision to net charge-offs | 458.3333% | 1,011 |
| Earnings coverage of net charge-offs (x) | 81.6667% | 471 |
| Efficiency ratio | 50.7538% | 7,613 |
| Assets per employee ($millions) | 4.1651% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 3,453 |
| Loan loss allowance to noncurrent loans | 66.1883% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.2996% | 4,343 |
| Noncurrent loans to loans | 2.1933% | 3,268 |
| Net loans and leases to total assets | 52.2965% | 6,643 |
| Net loans and leases to deposits | 59.6907% | 6,912 |
| Net loans and leases to core deposits | 79.5083% | 6,447 |
| Total domestic deposits to total assets | 87.6125% | 1,964 |
| Equity capital to assets | 11.9752% | 2,219 |
| Core capital (leverage) ratio | 12.5291% | 1,616 |
| Tier 1 risk-based capital ratio | 18.7309% | 1,833 |
| Total risk-based capital ratio | 19.9488% | 1,789 |
| Memoranda: | ||
| Average total assets | $91,148,000 | 5,427 |
| Average earning assets | $83,767,330 | 5,419 |
| Average equity | $11,249,000 | 5,011 |
| Average total loans | $49,520,330 | 5,790 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7342% | 3,619 |
| Cost of funding earning assets | 1.5866% | 6,082 |
| Net interest margin | 4.1476% | 2,097 |
| Noninterest income to average assets | 0.5944% | 3,584 |
| Noninterest expense to average assets | 2.2517% | 6,686 |
| Loan and lease loss provision to assets | 0.1126% | 5,522 |
| Net operating income to assets | 1.3735% | 1,200 |
| Return on assets (ROA) | 1.3735% | 1,292 |
| Pretax return on assets | 2.0445% | 611 |
| Return on Equity (ROE) | 10.9540% | 1,976 |
| Retained earnings to average equity (ytd only) | 10.9540% | 979 |
| Net charge-offs to loans | -0.0082% | 7,254 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0725% | 7,503 |
| Assets per employee ($millions) | 3.9667% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 3,254 |
| Loan loss allowance to noncurrent loans | 316.2281% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 6,326 |
| Noncurrent loans to loans | 0.4573% | 6,276 |
| Net loans and leases to total assets | 53.8610% | 6,480 |
| Net loans and leases to deposits | 61.8949% | 6,744 |
| Net loans and leases to core deposits | 83.7292% | 6,081 |
| Total domestic deposits to total assets | 87.0200% | 2,206 |
| Equity capital to assets | 12.4637% | 1,997 |
| Core capital (leverage) ratio | 12.6101% | 1,645 |
| Tier 1 risk-based capital ratio | 18.7532% | 1,867 |
| Total risk-based capital ratio | 19.9776% | 1,827 |
| Memoranda: | ||
| Average total assets | $88,823,000 | 5,526 |
| Average earning assets | $81,685,500 | 5,495 |
| Average equity | $11,137,500 | 5,066 |
| Average total loans | $48,862,000 | 5,847 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2740% | 4,100 |
| Cost of funding earning assets | 2.1707% | 5,728 |
| Net interest margin | 4.1033% | 2,695 |
| Noninterest income to average assets | 0.4945% | 4,651 |
| Noninterest expense to average assets | 2.2086% | 6,941 |
| Loan and lease loss provision to assets | 0.1060% | 6,018 |
| Net operating income to assets | 1.2915% | 1,507 |
| Return on assets (ROA) | 1.2915% | 1,461 |
| Pretax return on assets | 1.9520% | 691 |
| Return on Equity (ROE) | 10.6540% | 2,026 |
| Retained earnings to average equity (ytd only) | 8.6145% | 676 |
| Net charge-offs to loans | 0.1103% | 5,175 |
| Credit loss provision to net charge-offs | 180.0000% | 2,801 |
| Earnings coverage of net charge-offs (x) | 34.9600% | 1,036 |
| Efficiency ratio | 51.7660% | 7,515 |
| Assets per employee ($millions) | 3.7571% | 4,045 |
| Cash dividends to net income (ytd only)* | 19.1431% | 4,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 2,910 |
| Loan loss allowance to noncurrent loans | 1,478.7234% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 6,750 |
| Noncurrent loans to loans | 0.0982% | 7,120 |
| Net loans and leases to total assets | 54.5855% | 6,594 |
| Net loans and leases to deposits | 62.9079% | 6,880 |
| Net loans and leases to core deposits | 84.6384% | 6,243 |
| Total domestic deposits to total assets | 86.7705% | 2,053 |
| Equity capital to assets | 12.6185% | 1,960 |
| Core capital (leverage) ratio | 12.7049% | 1,666 |
| Tier 1 risk-based capital ratio | 18.9442% | 1,822 |
| Total risk-based capital ratio | 20.1704% | 1,786 |
| Memoranda: | ||
| Average total assets | $84,938,800 | 5,523 |
| Average earning assets | $78,083,800 | 5,497 |
| Average equity | $10,296,600 | 5,321 |
| Average total loans | $45,327,200 | 5,913 |