Home > Peoples Bank and Trust Company of Madison County > Performance and Condition Ratios
Peoples Bank and Trust Company of Madison County, Performance and Condition Ratios
| 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 | 4.0667% | 2,769 |
| Cost of funding earning assets | 0.2192% | 4,609 |
| Net interest margin | 3.8475% | 1,481 |
| Noninterest income to average assets | 0.5346% | 2,447 |
| Noninterest expense to average assets | 2.3806% | 3,198 |
| Loan and lease loss provision to assets | 0.1827% | 2,157 |
| Net operating income to assets | 1.2393% | 1,521 |
| Return on assets (ROA) | 1.2393% | 1,638 |
| Pretax return on assets | 1.5145% | 1,422 |
| Return on Equity (ROE) | 8.8751% | 2,447 |
| Retained earnings to average equity (ytd only) | 2.3349% | 3,808 |
| Net charge-offs to loans | 0.0229% | 2,390 |
| Credit loss provision to net charge-offs | 1,304.3478% | 692 |
| Earnings coverage of net charge-offs (x) | 121.1957% | 691 |
| Efficiency ratio | 58.3800% | 3,615 |
| Assets per employee ($millions) | 7.2780% | 1,336 |
| Cash dividends to net income (ytd only)* | 73.6920% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 1,688 |
| Loan loss allowance to noncurrent loans | 212.8120% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7714% | 1,502 |
| Noncurrent loans to loans | 0.6639% | 2,127 |
| Net loans and leases to total assets | 57.4772% | 3,469 |
| Net loans and leases to deposits | 75.0972% | 2,839 |
| Net loans and leases to core deposits | 75.9871% | 3,164 |
| Total domestic deposits to total assets | 76.5371% | 4,381 |
| Equity capital to assets | 13.3585% | 1,049 |
| Core capital (leverage) ratio | 11.4770% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $437,982,250 | 1,719 |
| Average earning assets | $403,334,000 | 1,729 |
| Average equity | $61,158,250 | 1,416 |
| Average total loans | $267,453,500 | 1,826 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 2,622 |
| Cost of funding earning assets | 0.2354% | 4,667 |
| Net interest margin | 4.0087% | 1,297 |
| Noninterest income to average assets | 0.5388% | 2,402 |
| Noninterest expense to average assets | 2.4520% | 3,098 |
| Loan and lease loss provision to assets | 0.1400% | 2,616 |
| Net operating income to assets | 1.3258% | 1,291 |
| Return on assets (ROA) | 1.3258% | 1,389 |
| Pretax return on assets | 1.6249% | 1,168 |
| Return on Equity (ROE) | 9.3482% | 2,228 |
| Retained earnings to average equity (ytd only) | 2.7696% | 3,475 |
| Net charge-offs to loans | 0.0225% | 2,266 |
| Credit loss provision to net charge-offs | 1,000.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 126.1000% | 604 |
| Efficiency ratio | 58.1480% | 3,671 |
| Assets per employee ($millions) | 6.6032% | 1,702 |
| Cash dividends to net income (ytd only)* | 70.3730% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 1,913 |
| Loan loss allowance to noncurrent loans | 186.0733% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 1,549 |
| Noncurrent loans to loans | 0.7087% | 2,107 |
| Net loans and leases to total assets | 57.5375% | 3,551 |
| Net loans and leases to deposits | 76.2730% | 2,833 |
| Net loans and leases to core deposits | 77.0747% | 3,189 |
| Total domestic deposits to total assets | 75.4363% | 4,481 |
| Equity capital to assets | 13.4232% | 1,002 |
| Core capital (leverage) ratio | 11.9392% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $428,711,333 | 1,719 |
| Average earning assets | $393,341,333 | 1,739 |
| Average equity | $60,803,333 | 1,412 |
| Average total loans | $266,083,667 | 1,811 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2552% | 3,052 |
| Cost of funding earning assets | 0.2519% | 4,766 |
| Net interest margin | 4.0033% | 1,387 |
| Noninterest income to average assets | 0.5904% | 2,079 |
| Noninterest expense to average assets | 2.4498% | 3,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4545% | 867 |
| Return on assets (ROA) | 1.4545% | 941 |
| Pretax return on assets | 1.7973% | 703 |
| Return on Equity (ROE) | 9.9564% | 1,759 |
| Retained earnings to average equity (ytd only) | 3.3099% | 2,954 |
| Net charge-offs to loans | 0.0242% | 1,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 115.6875% | 521 |
| Efficiency ratio | 57.6818% | 4,043 |
| Assets per employee ($millions) | 5.5210% | 2,099 |
| Cash dividends to net income (ytd only)* | 66.7557% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,428 |
| Loan loss allowance to noncurrent loans | 155.7940% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.9264% | 1,437 |
| Noncurrent loans to loans | 0.7987% | 2,013 |
| Net loans and leases to total assets | 61.7909% | 3,322 |
| Net loans and leases to deposits | 82.0263% | 2,450 |
| Net loans and leases to core deposits | 83.1576% | 2,923 |
| Total domestic deposits to total assets | 75.3306% | 4,551 |
| Equity capital to assets | 14.5499% | 876 |
| Core capital (leverage) ratio | 12.9179% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $411,956,000 | 1,734 |
| Average earning assets | $376,293,000 | 1,758 |
| Average equity | $60,182,500 | 1,415 |
| Average total loans | $264,373,000 | 1,787 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3661% | 3,343 |
| Cost of funding earning assets | 0.2537% | 4,840 |
| Net interest margin | 4.1123% | 1,507 |
| Noninterest income to average assets | 0.6363% | 2,065 |
| Noninterest expense to average assets | 2.6920% | 2,905 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4630% | 1,148 |
| Return on assets (ROA) | 1.4658% | 1,202 |
| Pretax return on assets | 1.6914% | 1,210 |
| Return on Equity (ROE) | 10.2680% | 2,173 |
| Retained earnings to average equity (ytd only) | 4.6071% | 2,645 |
| Net charge-offs to loans | 0.1284% | 1,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 20.4488% | 1,931 |
| Efficiency ratio | 61.4590% | 3,462 |
| Assets per employee ($millions) | 5.4637% | 2,096 |
| Cash dividends to net income (ytd only)* | 55.1315% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 2,267 |
| Loan loss allowance to noncurrent loans | 159.6500% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.9515% | 1,331 |
| Noncurrent loans to loans | 0.7727% | 1,970 |
| Net loans and leases to total assets | 65.0291% | 3,067 |
| Net loans and leases to deposits | 85.3907% | 2,164 |
| Net loans and leases to core deposits | 86.4901% | 2,755 |
| Total domestic deposits to total assets | 76.1548% | 4,582 |
| Equity capital to assets | 14.6702% | 873 |
| Core capital (leverage) ratio | 12.7473% | 1,354 |
| Tier 1 risk-based capital ratio | 19.4784% | 1,416 |
| Total risk-based capital ratio | 20.7288% | 1,380 |
| Memoranda: | ||
| Average total assets | $402,160,000 | 1,734 |
| Average earning assets | $366,119,200 | 1,758 |
| Average equity | $57,411,600 | 1,416 |
| Average total loans | $258,658,200 | 1,784 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 3,298 |
| Cost of funding earning assets | 0.2498% | 4,925 |
| Net interest margin | 4.1657% | 1,460 |
| Noninterest income to average assets | 0.6225% | 2,095 |
| Noninterest expense to average assets | 2.7644% | 2,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5337% | 1,108 |
| Return on assets (ROA) | 1.5377% | 1,146 |
| Pretax return on assets | 1.6546% | 1,458 |
| Return on Equity (ROE) | 10.8470% | 2,078 |
| Retained earnings to average equity (ytd only) | 5.5781% | 2,585 |
| Net charge-offs to loans | 0.1542% | 1,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 16.7374% | 2,127 |
| Efficiency ratio | 62.6184% | 3,229 |
| Assets per employee ($millions) | 5.3667% | 2,159 |
| Cash dividends to net income (ytd only)* | 48.5752% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,050 |
| Loan loss allowance to noncurrent loans | 184.0821% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 1.0174% | 1,315 |
| Noncurrent loans to loans | 0.6965% | 2,213 |
| Net loans and leases to total assets | 63.4915% | 3,339 |
| Net loans and leases to deposits | 83.6276% | 2,496 |
| Net loans and leases to core deposits | 84.9500% | 3,000 |
| Total domestic deposits to total assets | 75.9217% | 4,656 |
| Equity capital to assets | 14.6535% | 938 |
| Core capital (leverage) ratio | 12.9112% | 1,377 |
| Tier 1 risk-based capital ratio | 19.4869% | 1,461 |
| Total risk-based capital ratio | 20.7377% | 1,431 |
| Memoranda: | ||
| Average total assets | $401,621,000 | 1,747 |
| Average earning assets | $365,614,250 | 1,774 |
| Average equity | $56,936,000 | 1,423 |
| Average total loans | $256,771,000 | 1,804 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4318% | 3,239 |
| Cost of funding earning assets | 0.2405% | 4,980 |
| Net interest margin | 4.1913% | 1,391 |
| Noninterest income to average assets | 0.6344% | 2,004 |
| Noninterest expense to average assets | 2.7275% | 2,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3733% | 1,503 |
| Return on assets (ROA) | 1.3784% | 1,545 |
| Pretax return on assets | 1.7342% | 1,206 |
| Return on Equity (ROE) | 9.8339% | 2,468 |
| Retained earnings to average equity (ytd only) | 5.3898% | 2,581 |
| Net charge-offs to loans | 0.1953% | 851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 13.8680% | 2,070 |
| Efficiency ratio | 61.2192% | 3,555 |
| Assets per employee ($millions) | 5.3664% | 2,087 |
| Cash dividends to net income (ytd only)* | 45.1916% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,037 |
| Loan loss allowance to noncurrent loans | 189.0449% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 1.0212% | 1,363 |
| Noncurrent loans to loans | 0.6851% | 2,264 |
| Net loans and leases to total assets | 63.7142% | 3,369 |
| Net loans and leases to deposits | 82.9913% | 2,615 |
| Net loans and leases to core deposits | 83.8373% | 3,118 |
| Total domestic deposits to total assets | 76.7722% | 4,589 |
| Equity capital to assets | 14.3877% | 989 |
| Core capital (leverage) ratio | 12.6326% | 1,469 |
| Tier 1 risk-based capital ratio | 19.4392% | 1,449 |
| Total risk-based capital ratio | 20.6904% | 1,419 |
| Memoranda: | ||
| Average total assets | $401,326,670 | 1,754 |
| Average earning assets | $365,852,000 | 1,777 |
| Average equity | $56,254,330 | 1,427 |
| Average total loans | $256,069,670 | 1,815 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 2,914 |
| Cost of funding earning assets | 0.2324% | 5,032 |
| Net interest margin | 4.2566% | 1,178 |
| Noninterest income to average assets | 0.6059% | 2,018 |
| Noninterest expense to average assets | 2.6800% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4321% | 1,289 |
| Return on assets (ROA) | 1.4423% | 1,290 |
| Pretax return on assets | 1.8146% | 952 |
| Return on Equity (ROE) | 10.4280% | 2,182 |
| Retained earnings to average equity (ytd only) | 10.4280% | 936 |
| Net charge-offs to loans | 0.0425% | 1,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 66.8519% | 864 |
| Efficiency ratio | 59.7996% | 3,838 |
| Assets per employee ($millions) | 5.4216% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,626 |
| Loan loss allowance to noncurrent loans | 218.1155% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 1,469 |
| Noncurrent loans to loans | 0.6481% | 2,392 |
| Net loans and leases to total assets | 62.3663% | 3,469 |
| Net loans and leases to deposits | 81.2583% | 2,695 |
| Net loans and leases to core deposits | 82.0879% | 3,179 |
| Total domestic deposits to total assets | 76.7507% | 4,681 |
| Equity capital to assets | 14.0890% | 1,007 |
| Core capital (leverage) ratio | 12.6743% | 1,419 |
| Tier 1 risk-based capital ratio | 19.8806% | 1,356 |
| Total risk-based capital ratio | 21.1335% | 1,334 |
| Memoranda: | ||
| Average total assets | $400,748,500 | 1,764 |
| Average earning assets | $364,889,000 | 1,796 |
| Average equity | $55,427,500 | 1,438 |
| Average total loans | $254,202,500 | 1,834 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1590% | 3,555 |
| Cost of funding earning assets | 0.1928% | 5,031 |
| Net interest margin | 3.9662% | 2,106 |
| Noninterest income to average assets | 0.6191% | 2,196 |
| Noninterest expense to average assets | 2.7811% | 2,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1819% | 2,258 |
| Return on assets (ROA) | 1.1813% | 2,256 |
| Pretax return on assets | 1.4411% | 1,984 |
| Return on Equity (ROE) | 8.9589% | 3,014 |
| Retained earnings to average equity (ytd only) | 3.9439% | 3,406 |
| Net charge-offs to loans | 0.0712% | 2,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 33.7895% | 1,486 |
| Efficiency ratio | 65.8571% | 2,889 |
| Assets per employee ($millions) | 5.4094% | 2,052 |
| Cash dividends to net income (ytd only)* | 55.9780% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 1,559 |
| Loan loss allowance to noncurrent loans | 231.2020% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 1,460 |
| Noncurrent loans to loans | 0.6143% | 2,445 |
| Net loans and leases to total assets | 62.7003% | 3,495 |
| Net loans and leases to deposits | 83.4379% | 2,574 |
| Net loans and leases to core deposits | 84.1663% | 3,074 |
| Total domestic deposits to total assets | 75.1460% | 4,859 |
| Equity capital to assets | 13.5724% | 1,116 |
| Core capital (leverage) ratio | 12.2299% | 1,602 |
| Tier 1 risk-based capital ratio | 19.1484% | 1,486 |
| Total risk-based capital ratio | 20.4014% | 1,452 |
| Memoranda: | ||
| Average total assets | $400,738,000 | 1,713 |
| Average earning assets | $364,125,000 | 1,752 |
| Average equity | $52,841,400 | 1,445 |
| Average total loans | $240,012,000 | 1,880 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 3,620 |
| Cost of funding earning assets | 0.1874% | 5,065 |
| Net interest margin | 3.9147% | 2,240 |
| Noninterest income to average assets | 0.6120% | 2,249 |
| Noninterest expense to average assets | 2.8183% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1107% | 2,615 |
| Return on assets (ROA) | 1.1113% | 2,627 |
| Pretax return on assets | 1.3524% | 2,416 |
| Return on Equity (ROE) | 8.4898% | 3,334 |
| Retained earnings to average equity (ytd only) | 3.0265% | 4,226 |
| Net charge-offs to loans | 0.0666% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 34.4405% | 1,478 |
| Efficiency ratio | 67.5840% | 2,613 |
| Assets per employee ($millions) | 5.2688% | 2,155 |
| Cash dividends to net income (ytd only)* | 64.3520% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,358 |
| Loan loss allowance to noncurrent loans | 162.2291% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 1.0973% | 1,311 |
| Noncurrent loans to loans | 0.9224% | 1,850 |
| Net loans and leases to total assets | 60.2967% | 3,816 |
| Net loans and leases to deposits | 77.4077% | 3,289 |
| Net loans and leases to core deposits | 78.1650% | 3,641 |
| Total domestic deposits to total assets | 77.8950% | 4,496 |
| Equity capital to assets | 13.1068% | 1,289 |
| Core capital (leverage) ratio | 11.9349% | 1,824 |
| Tier 1 risk-based capital ratio | 19.1252% | 1,507 |
| Total risk-based capital ratio | 20.3790% | 1,479 |
| Memoranda: | ||
| Average total assets | $400,848,000 | 1,715 |
| Average earning assets | $364,327,250 | 1,756 |
| Average equity | $52,469,250 | 1,459 |
| Average total loans | $236,364,000 | 1,913 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0450% | 3,629 |
| Cost of funding earning assets | 0.1862% | 5,094 |
| Net interest margin | 3.8589% | 2,349 |
| Noninterest income to average assets | 0.6235% | 2,213 |
| Noninterest expense to average assets | 2.8529% | 2,489 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0531% | 2,794 |
| Return on assets (ROA) | 1.0539% | 2,783 |
| Pretax return on assets | 1.2763% | 2,606 |
| Return on Equity (ROE) | 8.0549% | 3,477 |
| Retained earnings to average equity (ytd only) | 2.1462% | 4,416 |
| Net charge-offs to loans | 0.0942% | 1,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 23.2455% | 1,713 |
| Efficiency ratio | 69.1072% | 2,463 |
| Assets per employee ($millions) | 5.2214% | 2,176 |
| Cash dividends to net income (ytd only)* | 73.3554% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 1,270 |
| Loan loss allowance to noncurrent loans | 190.0258% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 1.0258% | 1,466 |
| Noncurrent loans to loans | 0.8102% | 2,104 |
| Net loans and leases to total assets | 58.4902% | 3,951 |
| Net loans and leases to deposits | 74.8006% | 3,459 |
| Net loans and leases to core deposits | 75.7002% | 3,763 |
| Total domestic deposits to total assets | 78.1948% | 4,552 |
| Equity capital to assets | 12.9903% | 1,295 |
| Core capital (leverage) ratio | 11.8017% | 1,836 |
| Tier 1 risk-based capital ratio | 19.4149% | 1,450 |
| Total risk-based capital ratio | 20.6692% | 1,407 |
| Memoranda: | ||
| Average total assets | $400,989,000 | 1,723 |
| Average earning assets | $364,200,000 | 1,755 |
| Average equity | $52,464,670 | 1,463 |
| Average total loans | $233,448,330 | 1,930 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 3,786 |
| Cost of funding earning assets | 0.1843% | 5,102 |
| Net interest margin | 3.7655% | 2,563 |
| Noninterest income to average assets | 0.5993% | 2,262 |
| Noninterest expense to average assets | 2.7798% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0302% | 2,733 |
| Return on assets (ROA) | 1.0318% | 2,745 |
| Pretax return on assets | 1.2496% | 2,556 |
| Return on Equity (ROE) | 7.8580% | 3,441 |
| Retained earnings to average equity (ytd only) | 0.6314% | 4,705 |
| Net charge-offs to loans | 0.1109% | 1,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 19.5156% | 1,503 |
| Efficiency ratio | 69.0228% | 2,661 |
| Assets per employee ($millions) | 5.0572% | 2,417 |
| Cash dividends to net income (ytd only)* | 91.9652% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 1,147 |
| Loan loss allowance to noncurrent loans | 174.8239% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 1.0801% | 1,446 |
| Noncurrent loans to loans | 0.9184% | 1,985 |
| Net loans and leases to total assets | 56.3784% | 4,096 |
| Net loans and leases to deposits | 72.0511% | 3,594 |
| Net loans and leases to core deposits | 74.0328% | 3,823 |
| Total domestic deposits to total assets | 78.2478% | 4,693 |
| Equity capital to assets | 12.8405% | 1,323 |
| Core capital (leverage) ratio | 11.8061% | 1,776 |
| Tier 1 risk-based capital ratio | 19.6210% | 1,412 |
| Total risk-based capital ratio | 20.8762% | 1,381 |
| Memoranda: | ||
| Average total assets | $400,460,000 | 1,737 |
| Average earning assets | $364,574,500 | 1,768 |
| Average equity | $52,583,500 | 1,471 |
| Average total loans | $230,755,000 | 1,961 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9407% | 3,607 |
| Cost of funding earning assets | 0.1953% | 4,985 |
| Net interest margin | 3.7454% | 2,623 |
| Noninterest income to average assets | 0.5825% | 2,537 |
| Noninterest expense to average assets | 2.7183% | 3,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5676% | 4,154 |
| Return on assets (ROA) | 0.5743% | 4,155 |
| Pretax return on assets | 1.2808% | 2,428 |
| Return on Equity (ROE) | 4.2245% | 4,431 |
| Retained earnings to average equity (ytd only) | 0.0550% | 4,983 |
| Net charge-offs to loans | 0.0358% | 3,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 61.4337% | 941 |
| Efficiency ratio | 68.1512% | 2,867 |
| Assets per employee ($millions) | 5.0813% | 2,383 |
| Cash dividends to net income (ytd only)* | 98.6985% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 1,040 |
| Loan loss allowance to noncurrent loans | 139.8449% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.1059% | 1,373 |
| Noncurrent loans to loans | 1.1790% | 1,505 |
| Net loans and leases to total assets | 56.9979% | 4,113 |
| Net loans and leases to deposits | 73.6690% | 3,544 |
| Net loans and leases to core deposits | 76.1085% | 3,733 |
| Total domestic deposits to total assets | 77.3702% | 4,816 |
| Equity capital to assets | 13.4271% | 1,090 |
| Core capital (leverage) ratio | 11.5113% | 1,935 |
| Tier 1 risk-based capital ratio | 19.9373% | 1,336 |
| Total risk-based capital ratio | 21.1934% | 1,298 |
| Memoranda: | ||
| Average total assets | $401,383,600 | 1,695 |
| Average earning assets | $365,033,600 | 1,735 |
| Average equity | $54,562,400 | 1,415 |
| Average total loans | $231,707,000 | 1,928 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8953% | 3,693 |
| Cost of funding earning assets | 0.1952% | 5,016 |
| Net interest margin | 3.7001% | 2,766 |
| Noninterest income to average assets | 0.6119% | 2,412 |
| Noninterest expense to average assets | 2.6882% | 3,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9393% | 2,831 |
| Return on assets (ROA) | 0.9470% | 2,858 |
| Pretax return on assets | 1.2990% | 2,499 |
| Return on Equity (ROE) | 6.9460% | 3,690 |
| Retained earnings to average equity (ytd only) | 3.5458% | 3,802 |
| Net charge-offs to loans | 0.0172% | 3,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 129.6968% | 592 |
| Efficiency ratio | 67.5993% | 2,948 |
| Assets per employee ($millions) | 5.3100% | 2,112 |
| Cash dividends to net income (ytd only)* | 48.9510% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 1,083 |
| Loan loss allowance to noncurrent loans | 97.5610% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.3723% | 1,144 |
| Noncurrent loans to loans | 1.7159% | 1,053 |
| Net loans and leases to total assets | 55.1612% | 4,307 |
| Net loans and leases to deposits | 71.6003% | 3,815 |
| Net loans and leases to core deposits | 74.1494% | 3,963 |
| Total domestic deposits to total assets | 77.0404% | 4,882 |
| Equity capital to assets | 13.6075% | 1,121 |
| Core capital (leverage) ratio | 11.7482% | 1,850 |
| Tier 1 risk-based capital ratio | 20.2206% | 1,321 |
| Total risk-based capital ratio | 21.4773% | 1,290 |
| Memoranda: | ||
| Average total assets | $402,644,250 | 1,705 |
| Average earning assets | $366,142,000 | 1,738 |
| Average equity | $54,898,750 | 1,424 |
| Average total loans | $232,210,500 | 1,931 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 3,587 |
| Cost of funding earning assets | 0.1961% | 5,022 |
| Net interest margin | 3.6932% | 2,680 |
| Noninterest income to average assets | 0.5986% | 2,465 |
| Noninterest expense to average assets | 2.6567% | 3,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9488% | 2,668 |
| Return on assets (ROA) | 0.9506% | 2,713 |
| Pretax return on assets | 1.3012% | 2,381 |
| Return on Equity (ROE) | 6.9676% | 3,569 |
| Retained earnings to average equity (ytd only) | 4.4060% | 3,086 |
| Net charge-offs to loans | 0.0283% | 2,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 78.8182% | 776 |
| Efficiency ratio | 67.1674% | 3,159 |
| Assets per employee ($millions) | 5.1484% | 2,212 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 1,092 |
| Loan loss allowance to noncurrent loans | 95.9720% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.4061% | 1,124 |
| Noncurrent loans to loans | 1.7553% | 1,030 |
| Net loans and leases to total assets | 55.0431% | 4,306 |
| Net loans and leases to deposits | 72.1239% | 3,722 |
| Net loans and leases to core deposits | 74.6647% | 3,888 |
| Total domestic deposits to total assets | 76.3174% | 5,052 |
| Equity capital to assets | 13.6716% | 1,080 |
| Core capital (leverage) ratio | 11.8354% | 1,743 |
| Tier 1 risk-based capital ratio | 20.0885% | 1,359 |
| Total risk-based capital ratio | 21.3461% | 1,320 |
| Memoranda: | ||
| Average total assets | $400,568,670 | 1,719 |
| Average earning assets | $364,071,670 | 1,747 |
| Average equity | $54,652,670 | 1,434 |
| Average total loans | $233,154,670 | 1,931 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 3,643 |
| Cost of funding earning assets | 0.1969% | 5,004 |
| Net interest margin | 3.6377% | 2,743 |
| Noninterest income to average assets | 0.6028% | 2,397 |
| Noninterest expense to average assets | 2.6154% | 3,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9469% | 2,536 |
| Return on assets (ROA) | 0.9469% | 2,597 |
| Pretax return on assets | 1.2961% | 2,249 |
| Return on Equity (ROE) | 6.9477% | 3,427 |
| Retained earnings to average equity (ytd only) | 6.9477% | 1,871 |
| Net charge-offs to loans | 0.0068% | 2,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 322.0000% | 187 |
| Efficiency ratio | 66.8639% | 3,356 |
| Assets per employee ($millions) | 4.9718% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 1,319 |
| Loan loss allowance to noncurrent loans | 68.8881% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.4881% | 1,081 |
| Noncurrent loans to loans | 2.3592% | 691 |
| Net loans and leases to total assets | 58.1071% | 3,960 |
| Net loans and leases to deposits | 76.0210% | 3,193 |
| Net loans and leases to core deposits | 79.0049% | 3,391 |
| Total domestic deposits to total assets | 76.4356% | 5,184 |
| Equity capital to assets | 13.5961% | 1,036 |
| Core capital (leverage) ratio | 11.8806% | 1,704 |
| Tier 1 risk-based capital ratio | 19.7648% | 1,433 |
| Total risk-based capital ratio | 21.0237% | 1,401 |
| Memoranda: | ||
| Average total assets | $397,490,500 | 1,741 |
| Average earning assets | $361,547,000 | 1,769 |
| Average equity | $54,176,000 | 1,438 |
| Average total loans | $235,877,000 | 1,924 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8397% | 3,772 |
| Cost of funding earning assets | 0.2234% | 4,799 |
| Net interest margin | 3.6163% | 3,014 |
| Noninterest income to average assets | 0.6335% | 2,483 |
| Noninterest expense to average assets | 2.9473% | 2,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7499% | 3,535 |
| Return on assets (ROA) | 0.7514% | 3,650 |
| Pretax return on assets | 0.9900% | 3,513 |
| Return on Equity (ROE) | 5.6327% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.6327% | 1,932 |
| Net charge-offs to loans | 0.1920% | 1,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 8.9500% | 2,811 |
| Efficiency ratio | 72.1390% | 2,570 |
| Assets per employee ($millions) | 4.9654% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 1,241 |
| Loan loss allowance to noncurrent loans | 65.6489% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.5913% | 1,009 |
| Noncurrent loans to loans | 2.5205% | 624 |
| Net loans and leases to total assets | 58.6368% | 4,005 |
| Net loans and leases to deposits | 76.6037% | 3,253 |
| Net loans and leases to core deposits | 79.6906% | 3,418 |
| Total domestic deposits to total assets | 76.5456% | 5,176 |
| Equity capital to assets | 13.6638% | 992 |
| Core capital (leverage) ratio | 11.7690% | 1,741 |
| Tier 1 risk-based capital ratio | 19.5497% | 1,465 |
| Total risk-based capital ratio | 20.8098% | 1,422 |
| Memoranda: | ||
| Average total assets | $398,569,600 | 1,692 |
| Average earning assets | $363,904,200 | 1,708 |
| Average equity | $53,172,000 | 1,445 |
| Average total loans | $229,163,200 | 1,911 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8134% | 3,884 |
| Cost of funding earning assets | 0.2277% | 4,807 |
| Net interest margin | 3.5857% | 3,129 |
| Noninterest income to average assets | 0.6487% | 2,424 |
| Noninterest expense to average assets | 2.9349% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7520% | 3,597 |
| Return on assets (ROA) | 0.7540% | 3,715 |
| Pretax return on assets | 0.9956% | 3,648 |
| Return on Equity (ROE) | 5.6859% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.6859% | 2,366 |
| Net charge-offs to loans | 0.0836% | 2,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 20.8393% | 1,849 |
| Efficiency ratio | 71.9715% | 2,586 |
| Assets per employee ($millions) | 4.4927% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7743% | 1,059 |
| Loan loss allowance to noncurrent loans | 63.0695% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.7807% | 932 |
| Noncurrent loans to loans | 2.8133% | 570 |
| Net loans and leases to total assets | 58.3474% | 4,063 |
| Net loans and leases to deposits | 76.8460% | 3,302 |
| Net loans and leases to core deposits | 79.9701% | 3,447 |
| Total domestic deposits to total assets | 75.9276% | 5,243 |
| Equity capital to assets | 13.7809% | 1,125 |
| Core capital (leverage) ratio | 11.4124% | 2,101 |
| Tier 1 risk-based capital ratio | 19.3379% | 1,592 |
| Total risk-based capital ratio | 20.5970% | 1,546 |
| Memoranda: | ||
| Average total assets | $400,146,000 | 1,686 |
| Average earning assets | $365,930,750 | 1,704 |
| Average equity | $53,065,500 | 1,456 |
| Average total loans | $227,983,750 | 1,922 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7896% | 3,990 |
| Cost of funding earning assets | 0.2295% | 4,857 |
| Net interest margin | 3.5601% | 3,255 |
| Noninterest income to average assets | 0.6492% | 2,372 |
| Noninterest expense to average assets | 2.9258% | 2,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7458% | 3,569 |
| Return on assets (ROA) | 0.7458% | 3,723 |
| Pretax return on assets | 0.9822% | 3,652 |
| Return on Equity (ROE) | 5.6966% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.6966% | 2,302 |
| Net charge-offs to loans | 0.0771% | 2,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 22.6782% | 1,618 |
| Efficiency ratio | 72.1146% | 2,634 |
| Assets per employee ($millions) | 5.0875% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 975 |
| Loan loss allowance to noncurrent loans | 62.9828% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 1.7771% | 976 |
| Noncurrent loans to loans | 2.9438% | 513 |
| Net loans and leases to total assets | 54.9251% | 4,421 |
| Net loans and leases to deposits | 72.9021% | 3,710 |
| Net loans and leases to core deposits | 76.9101% | 3,747 |
| Total domestic deposits to total assets | 75.3410% | 5,370 |
| Equity capital to assets | 13.1795% | 1,403 |
| Core capital (leverage) ratio | 11.0876% | 2,335 |
| Tier 1 risk-based capital ratio | 19.2014% | 1,649 |
| Total risk-based capital ratio | 20.4609% | 1,611 |
| Memoranda: | ||
| Average total assets | $401,742,000 | 1,680 |
| Average earning assets | $367,740,330 | 1,696 |
| Average equity | $52,592,670 | 1,474 |
| Average total loans | $225,695,670 | 1,948 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8289% | 3,845 |
| Cost of funding earning assets | 0.2345% | 4,862 |
| Net interest margin | 3.5944% | 3,111 |
| Noninterest income to average assets | 0.6905% | 2,085 |
| Noninterest expense to average assets | 2.9175% | 2,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7948% | 3,273 |
| Return on assets (ROA) | 0.7948% | 3,382 |
| Pretax return on assets | 1.0604% | 3,241 |
| Return on Equity (ROE) | 6.0920% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.0920% | 2,337 |
| Net charge-offs to loans | 0.0214% | 2,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 88.1667% | 591 |
| Efficiency ratio | 70.6223% | 3,022 |
| Assets per employee ($millions) | 4.7948% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9332% | 920 |
| Loan loss allowance to noncurrent loans | 60.7350% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.9409% | 916 |
| Noncurrent loans to loans | 3.1830% | 477 |
| Net loans and leases to total assets | 54.1206% | 4,438 |
| Net loans and leases to deposits | 71.0392% | 3,750 |
| Net loans and leases to core deposits | 75.2230% | 3,757 |
| Total domestic deposits to total assets | 76.1841% | 5,389 |
| Equity capital to assets | 13.0951% | 1,365 |
| Core capital (leverage) ratio | 11.1109% | 2,303 |
| Tier 1 risk-based capital ratio | 19.1980% | 1,686 |
| Total risk-based capital ratio | 20.4588% | 1,650 |
| Memoranda: | ||
| Average total assets | $399,111,500 | 1,691 |
| Average earning assets | $365,015,500 | 1,701 |
| Average equity | $52,068,500 | 1,480 |
| Average total loans | $224,658,500 | 1,955 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8981% | 3,712 |
| Cost of funding earning assets | 0.2599% | 4,690 |
| Net interest margin | 3.6383% | 2,986 |
| Noninterest income to average assets | 0.6411% | 2,512 |
| Noninterest expense to average assets | 3.1309% | 2,145 |
| Loan and lease loss provision to assets | 0.1022% | 2,279 |
| Net operating income to assets | 0.5529% | 4,482 |
| Return on assets (ROA) | 0.5590% | 4,555 |
| Pretax return on assets | 0.7301% | 4,436 |
| Return on Equity (ROE) | 4.3236% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.3236% | 2,899 |
| Net charge-offs to loans | 0.4197% | 677 |
| Credit loss provision to net charge-offs | 42.3729% | 3,501 |
| Earnings coverage of net charge-offs (x) | 3.4163% | 3,729 |
| Efficiency ratio | 76.3653% | 2,211 |
| Assets per employee ($millions) | 4.7646% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 960 |
| Loan loss allowance to noncurrent loans | 51.0787% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 2.3021% | 707 |
| Noncurrent loans to loans | 3.7156% | 351 |
| Net loans and leases to total assets | 56.3226% | 4,270 |
| Net loans and leases to deposits | 73.7135% | 3,530 |
| Net loans and leases to core deposits | 78.2292% | 3,522 |
| Total domestic deposits to total assets | 76.4074% | 5,400 |
| Equity capital to assets | 12.9962% | 1,348 |
| Core capital (leverage) ratio | 10.9788% | 2,428 |
| Tier 1 risk-based capital ratio | 18.5012% | 1,828 |
| Total risk-based capital ratio | 19.7626% | 1,771 |
| Memoranda: | ||
| Average total assets | $391,201,200 | 1,680 |
| Average earning assets | $356,351,800 | 1,697 |
| Average equity | $50,582,800 | 1,469 |
| Average total loans | $224,928,000 | 1,895 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 3,646 |
| Cost of funding earning assets | 0.2635% | 4,735 |
| Net interest margin | 3.6635% | 2,916 |
| Noninterest income to average assets | 0.6428% | 2,515 |
| Noninterest expense to average assets | 3.1633% | 2,057 |
| Loan and lease loss provision to assets | 0.0854% | 2,457 |
| Net operating income to assets | 0.5750% | 4,502 |
| Return on assets (ROA) | 0.5834% | 4,556 |
| Pretax return on assets | 0.7402% | 4,535 |
| Return on Equity (ROE) | 4.5176% | 4,829 |
| Retained earnings to average equity (ytd only) | 4.5176% | 3,258 |
| Net charge-offs to loans | 0.4236% | 603 |
| Credit loss provision to net charge-offs | 35.0631% | 3,217 |
| Earnings coverage of net charge-offs (x) | 3.3450% | 3,512 |
| Efficiency ratio | 76.7288% | 2,123 |
| Assets per employee ($millions) | 4.3847% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9286% | 1,014 |
| Loan loss allowance to noncurrent loans | 49.1822% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 2.4239% | 729 |
| Noncurrent loans to loans | 3.9213% | 338 |
| Net loans and leases to total assets | 57.2070% | 4,223 |
| Net loans and leases to deposits | 75.6685% | 3,342 |
| Net loans and leases to core deposits | 80.1707% | 3,413 |
| Total domestic deposits to total assets | 75.6021% | 5,551 |
| Equity capital to assets | 13.1034% | 1,392 |
| Core capital (leverage) ratio | 10.8551% | 2,640 |
| Tier 1 risk-based capital ratio | 18.2906% | 1,962 |
| Total risk-based capital ratio | 19.5519% | 1,916 |
| Memoranda: | ||
| Average total assets | $390,135,750 | 1,700 |
| Average earning assets | $355,202,250 | 1,711 |
| Average equity | $50,379,750 | 1,482 |
| Average total loans | $224,399,000 | 1,909 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 3,701 |
| Cost of funding earning assets | 0.2652% | 4,770 |
| Net interest margin | 3.6328% | 2,971 |
| Noninterest income to average assets | 0.6260% | 2,599 |
| Noninterest expense to average assets | 3.1822% | 2,027 |
| Loan and lease loss provision to assets | 0.0769% | 2,585 |
| Net operating income to assets | 0.5393% | 4,612 |
| Return on assets (ROA) | 0.5393% | 4,722 |
| Pretax return on assets | 0.6747% | 4,737 |
| Return on Equity (ROE) | 4.1972% | 4,947 |
| Retained earnings to average equity (ytd only) | 4.1972% | 3,361 |
| Net charge-offs to loans | 0.5248% | 472 |
| Credit loss provision to net charge-offs | 25.5973% | 2,968 |
| Earnings coverage of net charge-offs (x) | 2.5017% | 3,331 |
| Efficiency ratio | 78.0790% | 2,059 |
| Assets per employee ($millions) | 4.5433% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9688% | 1,031 |
| Loan loss allowance to noncurrent loans | 38.1236% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 3.0222% | 555 |
| Noncurrent loans to loans | 5.1643% | 212 |
| Net loans and leases to total assets | 55.6411% | 4,375 |
| Net loans and leases to deposits | 73.4797% | 3,556 |
| Net loans and leases to core deposits | 77.6659% | 3,612 |
| Total domestic deposits to total assets | 75.7231% | 5,631 |
| Equity capital to assets | 12.6843% | 1,560 |
| Core capital (leverage) ratio | 10.7221% | 2,707 |
| Tier 1 risk-based capital ratio | 18.0139% | 2,061 |
| Total risk-based capital ratio | 19.2753% | 2,014 |
| Memoranda: | ||
| Average total assets | $390,103,000 | 1,705 |
| Average earning assets | $355,207,000 | 1,721 |
| Average equity | $50,128,330 | 1,492 |
| Average total loans | $223,321,670 | 1,922 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9282% | 3,502 |
| Cost of funding earning assets | 0.2685% | 4,810 |
| Net interest margin | 3.6597% | 2,779 |
| Noninterest income to average assets | 0.6121% | 2,587 |
| Noninterest expense to average assets | 3.1895% | 2,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5915% | 4,323 |
| Return on assets (ROA) | 0.5915% | 4,421 |
| Pretax return on assets | 0.7566% | 4,403 |
| Return on Equity (ROE) | 4.5727% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.5727% | 3,282 |
| Net charge-offs to loans | 0.5942% | 409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.2145% | 2,804 |
| Efficiency ratio | 78.0016% | 2,189 |
| Assets per employee ($millions) | 4.4170% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0428% | 1,003 |
| Loan loss allowance to noncurrent loans | 36.0606% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 3.2606% | 537 |
| Noncurrent loans to loans | 5.6649% | 204 |
| Net loans and leases to total assets | 55.1601% | 4,298 |
| Net loans and leases to deposits | 72.4976% | 3,492 |
| Net loans and leases to core deposits | 76.6594% | 3,525 |
| Total domestic deposits to total assets | 76.0854% | 5,729 |
| Equity capital to assets | 12.8627% | 1,472 |
| Core capital (leverage) ratio | 10.8020% | 2,624 |
| Tier 1 risk-based capital ratio | 18.5284% | 1,996 |
| Total risk-based capital ratio | 19.7894% | 1,943 |
| Memoranda: | ||
| Average total assets | $387,520,000 | 1,722 |
| Average earning assets | $353,037,500 | 1,740 |
| Average equity | $50,124,000 | 1,500 |
| Average total loans | $222,808,000 | 1,930 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 3,122 |
| Cost of funding earning assets | 0.3068% | 4,720 |
| Net interest margin | 3.8433% | 2,453 |
| Noninterest income to average assets | 0.6422% | 2,604 |
| Noninterest expense to average assets | 3.2089% | 2,186 |
| Loan and lease loss provision to assets | 0.7007% | 181 |
| Net operating income to assets | 0.2216% | 5,725 |
| Return on assets (ROA) | 0.2321% | 5,764 |
| Pretax return on assets | 0.2143% | 5,849 |
| Return on Equity (ROE) | 1.8194% | 5,814 |
| Retained earnings to average equity (ytd only) | 1.4087% | 5,135 |
| Net charge-offs to loans | 1.0493% | 274 |
| Credit loss provision to net charge-offs | 109.7211% | 2,175 |
| Earnings coverage of net charge-offs (x) | 1.4163% | 4,423 |
| Efficiency ratio | 74.8535% | 2,682 |
| Assets per employee ($millions) | 4.3401% | 3,287 |
| Cash dividends to net income (ytd only)* | 22.5734% | 3,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1641% | 867 |
| Loan loss allowance to noncurrent loans | 32.3965% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 4.0340% | 414 |
| Noncurrent loans to loans | 6.6800% | 154 |
| Net loans and leases to total assets | 57.4454% | 4,126 |
| Net loans and leases to deposits | 75.7492% | 3,225 |
| Net loans and leases to core deposits | 80.0894% | 3,291 |
| Total domestic deposits to total assets | 75.8363% | 5,754 |
| Equity capital to assets | 13.0085% | 1,372 |
| Core capital (leverage) ratio | 9.9791% | 3,596 |
| Tier 1 risk-based capital ratio | 17.5752% | 2,286 |
| Total risk-based capital ratio | 18.8225% | 2,258 |
| Memoranda: | ||
| Average total assets | $381,783,600 | 1,719 |
| Average earning assets | $344,808,800 | 1,737 |
| Average equity | $48,697,400 | 1,477 |
| Average total loans | $232,346,600 | 1,809 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 3,077 |
| Cost of funding earning assets | 0.3151% | 4,730 |
| Net interest margin | 3.8583% | 2,398 |
| Noninterest income to average assets | 0.6458% | 2,594 |
| Noninterest expense to average assets | 3.2796% | 1,950 |
| Loan and lease loss provision to assets | 0.7247% | 174 |
| Net operating income to assets | 0.1690% | 5,907 |
| Return on assets (ROA) | 0.1753% | 5,933 |
| Pretax return on assets | 0.1292% | 6,030 |
| Return on Equity (ROE) | 1.3814% | 5,972 |
| Retained earnings to average equity (ytd only) | 0.8311% | 5,550 |
| Net charge-offs to loans | 0.8988% | 359 |
| Credit loss provision to net charge-offs | 131.3291% | 1,763 |
| Earnings coverage of net charge-offs (x) | 1.5361% | 4,137 |
| Efficiency ratio | 76.1107% | 2,474 |
| Assets per employee ($millions) | 4.3768% | 3,165 |
| Cash dividends to net income (ytd only)* | 39.8404% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2718% | 854 |
| Loan loss allowance to noncurrent loans | 33.1023% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 4.1759% | 452 |
| Noncurrent loans to loans | 6.8628% | 176 |
| Net loans and leases to total assets | 57.7414% | 4,108 |
| Net loans and leases to deposits | 74.9056% | 3,318 |
| Net loans and leases to core deposits | 78.9479% | 3,445 |
| Total domestic deposits to total assets | 77.0856% | 5,662 |
| Equity capital to assets | 12.8717% | 1,489 |
| Core capital (leverage) ratio | 9.8995% | 3,819 |
| Tier 1 risk-based capital ratio | 17.1407% | 2,551 |
| Total risk-based capital ratio | 18.3892% | 2,512 |
| Memoranda: | ||
| Average total assets | $381,747,500 | 1,730 |
| Average earning assets | $344,460,000 | 1,746 |
| Average equity | $48,451,000 | 1,488 |
| Average total loans | $234,370,000 | 1,801 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2030% | 2,940 |
| Cost of funding earning assets | 0.3238% | 4,715 |
| Net interest margin | 3.8793% | 2,253 |
| Noninterest income to average assets | 0.6501% | 2,544 |
| Noninterest expense to average assets | 3.2895% | 1,945 |
| Loan and lease loss provision to assets | 0.7721% | 165 |
| Net operating income to assets | 0.1434% | 5,964 |
| Return on assets (ROA) | 0.1529% | 5,981 |
| Pretax return on assets | 0.0979% | 6,101 |
| Return on Equity (ROE) | 1.2100% | 6,014 |
| Retained earnings to average equity (ytd only) | 0.3812% | 5,585 |
| Net charge-offs to loans | 1.0989% | 302 |
| Credit loss provision to net charge-offs | 113.0268% | 1,783 |
| Earnings coverage of net charge-offs (x) | 1.2598% | 3,855 |
| Efficiency ratio | 75.9334% | 2,650 |
| Assets per employee ($millions) | 4.4524% | 3,003 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0744% | 1,231 |
| Loan loss allowance to noncurrent loans | 32.8033% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 3.9261% | 556 |
| Noncurrent loans to loans | 6.3236% | 232 |
| Net loans and leases to total assets | 59.0061% | 3,860 |
| Net loans and leases to deposits | 76.2324% | 3,026 |
| Net loans and leases to core deposits | 80.6667% | 3,136 |
| Total domestic deposits to total assets | 77.4029% | 5,739 |
| Equity capital to assets | 12.7184% | 1,531 |
| Core capital (leverage) ratio | 9.8190% | 3,858 |
| Tier 1 risk-based capital ratio | 16.8369% | 2,693 |
| Total risk-based capital ratio | 18.0849% | 2,659 |
| Memoranda: | ||
| Average total assets | $382,069,330 | 1,724 |
| Average earning assets | $344,704,000 | 1,739 |
| Average equity | $48,263,670 | 1,481 |
| Average total loans | $237,500,000 | 1,773 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 2,755 |
| Cost of funding earning assets | 0.3313% | 4,727 |
| Net interest margin | 3.9016% | 2,081 |
| Noninterest income to average assets | 0.6561% | 2,425 |
| Noninterest expense to average assets | 3.2522% | 2,065 |
| Loan and lease loss provision to assets | 0.9171% | 125 |
| Net operating income to assets | 0.0838% | 6,064 |
| Return on assets (ROA) | 0.1027% | 6,056 |
| Pretax return on assets | 0.0231% | 6,189 |
| Return on Equity (ROE) | 0.8159% | 6,077 |
| Retained earnings to average equity (ytd only) | -0.8492% | 5,702 |
| Net charge-offs to loans | 0.6426% | 572 |
| Credit loss provision to net charge-offs | 226.0982% | 957 |
| Earnings coverage of net charge-offs (x) | 2.2713% | 2,919 |
| Efficiency ratio | 74.6107% | 3,029 |
| Assets per employee ($millions) | 4.4588% | 3,046 |
| Cash dividends to net income (ytd only)* | 204.0816% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1407% | 1,252 |
| Loan loss allowance to noncurrent loans | 37.3536% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 3.8127% | 652 |
| Noncurrent loans to loans | 5.7308% | 337 |
| Net loans and leases to total assets | 60.8486% | 3,423 |
| Net loans and leases to deposits | 78.5414% | 2,480 |
| Net loans and leases to core deposits | 83.3948% | 2,585 |
| Total domestic deposits to total assets | 77.4732% | 5,903 |
| Equity capital to assets | 12.5574% | 1,542 |
| Core capital (leverage) ratio | 10.1444% | 3,361 |
| Tier 1 risk-based capital ratio | 17.0000% | 2,693 |
| Total risk-based capital ratio | 18.2583% | 2,640 |
| Memoranda: | ||
| Average total assets | $381,652,500 | 1,732 |
| Average earning assets | $344,061,500 | 1,749 |
| Average equity | $48,046,000 | 1,488 |
| Average total loans | $240,889,000 | 1,757 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 2,240 |
| Cost of funding earning assets | 0.3942% | 4,715 |
| Net interest margin | 4.0980% | 1,647 |
| Noninterest income to average assets | 0.6389% | 2,872 |
| Noninterest expense to average assets | 3.2524% | 2,272 |
| Loan and lease loss provision to assets | 0.6942% | 332 |
| Net operating income to assets | 0.3553% | 5,316 |
| Return on assets (ROA) | 0.3515% | 5,440 |
| Pretax return on assets | 0.3822% | 5,529 |
| Return on Equity (ROE) | 2.7831% | 5,588 |
| Retained earnings to average equity (ytd only) | -1.5112% | 6,126 |
| Net charge-offs to loans | 1.3408% | 373 |
| Credit loss provision to net charge-offs | 78.7808% | 3,077 |
| Earnings coverage of net charge-offs (x) | 1.2263% | 4,665 |
| Efficiency ratio | 71.9156% | 3,494 |
| Assets per employee ($millions) | 4.2680% | 3,320 |
| Cash dividends to net income (ytd only)* | 154.2983% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8969% | 1,789 |
| Loan loss allowance to noncurrent loans | 38.3484% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 3.3545% | 900 |
| Noncurrent loans to loans | 4.9464% | 517 |
| Net loans and leases to total assets | 62.8488% | 3,226 |
| Net loans and leases to deposits | 82.0838% | 2,174 |
| Net loans and leases to core deposits | 86.7069% | 2,381 |
| Total domestic deposits to total assets | 76.5665% | 6,044 |
| Equity capital to assets | 12.6208% | 1,452 |
| Core capital (leverage) ratio | 10.1098% | 3,416 |
| Tier 1 risk-based capital ratio | 16.5108% | 2,851 |
| Total risk-based capital ratio | 17.7654% | 2,816 |
| Memoranda: | ||
| Average total assets | $387,222,800 | 1,701 |
| Average earning assets | $349,050,200 | 1,713 |
| Average equity | $48,902,200 | 1,443 |
| Average total loans | $254,479,000 | 1,635 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5164% | 2,170 |
| Cost of funding earning assets | 0.4023% | 4,802 |
| Net interest margin | 4.1141% | 1,591 |
| Noninterest income to average assets | 0.6539% | 2,864 |
| Noninterest expense to average assets | 3.2172% | 2,315 |
| Loan and lease loss provision to assets | 0.8081% | 239 |
| Net operating income to assets | 0.3067% | 5,595 |
| Return on assets (ROA) | 0.3033% | 5,720 |
| Pretax return on assets | 0.3328% | 5,791 |
| Return on Equity (ROE) | 2.4011% | 5,826 |
| Retained earnings to average equity (ytd only) | -3.0251% | 6,356 |
| Net charge-offs to loans | 1.2951% | 410 |
| Credit loss provision to net charge-offs | 94.3577% | 2,522 |
| Earnings coverage of net charge-offs (x) | 1.3365% | 4,391 |
| Efficiency ratio | 70.6474% | 3,651 |
| Assets per employee ($millions) | 4.3397% | 3,159 |
| Cash dividends to net income (ytd only)* | 225.9888% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0923% | 1,524 |
| Loan loss allowance to noncurrent loans | 43.5354% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 3.3050% | 1,068 |
| Noncurrent loans to loans | 4.8060% | 647 |
| Net loans and leases to total assets | 62.9891% | 3,165 |
| Net loans and leases to deposits | 82.6046% | 2,055 |
| Net loans and leases to core deposits | 87.3393% | 2,247 |
| Total domestic deposits to total assets | 76.2537% | 6,143 |
| Equity capital to assets | 12.3996% | 1,635 |
| Core capital (leverage) ratio | 10.0493% | 3,603 |
| Tier 1 risk-based capital ratio | 16.2882% | 3,046 |
| Total risk-based capital ratio | 17.5506% | 2,999 |
| Memoranda: | ||
| Average total assets | $389,066,000 | 1,702 |
| Average earning assets | $350,651,250 | 1,724 |
| Average equity | $49,142,750 | 1,448 |
| Average total loans | $257,262,000 | 1,611 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5027% | 2,193 |
| Cost of funding earning assets | 0.4079% | 4,866 |
| Net interest margin | 4.0947% | 1,558 |
| Noninterest income to average assets | 0.6359% | 2,985 |
| Noninterest expense to average assets | 3.1671% | 2,454 |
| Loan and lease loss provision to assets | 1.0036% | 186 |
| Net operating income to assets | 0.1908% | 5,927 |
| Return on assets (ROA) | 0.1851% | 6,058 |
| Pretax return on assets | 0.1554% | 6,152 |
| Return on Equity (ROE) | 1.4568% | 6,107 |
| Retained earnings to average equity (ytd only) | -4.1929% | 6,410 |
| Net charge-offs to loans | 0.7564% | 847 |
| Credit loss provision to net charge-offs | 198.8821% | 1,202 |
| Earnings coverage of net charge-offs (x) | 2.3079% | 3,755 |
| Efficiency ratio | 69.9893% | 3,826 |
| Assets per employee ($millions) | 4.3010% | 3,168 |
| Cash dividends to net income (ytd only)* | 387.8116% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4344% | 1,053 |
| Loan loss allowance to noncurrent loans | 49.5137% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 3.5194% | 1,095 |
| Noncurrent loans to loans | 4.9166% | 670 |
| Net loans and leases to total assets | 65.3633% | 2,700 |
| Net loans and leases to deposits | 85.5149% | 1,624 |
| Net loans and leases to core deposits | 90.4377% | 1,872 |
| Total domestic deposits to total assets | 76.4350% | 6,201 |
| Equity capital to assets | 12.3983% | 1,641 |
| Core capital (leverage) ratio | 9.8336% | 3,749 |
| Tier 1 risk-based capital ratio | 16.0289% | 3,175 |
| Total risk-based capital ratio | 17.2973% | 3,109 |
| Memoranda: | ||
| Average total assets | $390,011,670 | 1,696 |
| Average earning assets | $352,014,000 | 1,718 |
| Average equity | $49,560,000 | 1,441 |
| Average total loans | $260,189,000 | 1,600 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5243% | 2,086 |
| Cost of funding earning assets | 0.4143% | 4,973 |
| Net interest margin | 4.1100% | 1,429 |
| Noninterest income to average assets | 0.5926% | 3,177 |
| Noninterest expense to average assets | 3.1716% | 2,446 |
| Loan and lease loss provision to assets | 1.5061% | 94 |
| Net operating income to assets | -0.1675% | 6,494 |
| Return on assets (ROA) | -0.1747% | 6,543 |
| Pretax return on assets | -0.3862% | 6,629 |
| Return on Equity (ROE) | -1.3587% | 6,525 |
| Retained earnings to average equity (ytd only) | -6.9204% | 6,470 |
| Net charge-offs to loans | 1.0406% | 586 |
| Credit loss provision to net charge-offs | 217.4041% | 1,023 |
| Earnings coverage of net charge-offs (x) | 1.6327% | 3,290 |
| Efficiency ratio | 70.5771% | 3,879 |
| Assets per employee ($millions) | 4.3115% | 3,316 |
| Cash dividends to net income (ytd only)* | -409.3567% | 7,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3541% | 1,329 |
| Loan loss allowance to noncurrent loans | 63.0044% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 2.7608% | 1,647 |
| Noncurrent loans to loans | 3.7364% | 1,248 |
| Net loans and leases to total assets | 64.8716% | 2,560 |
| Net loans and leases to deposits | 84.8564% | 1,491 |
| Net loans and leases to core deposits | 90.3367% | 1,672 |
| Total domestic deposits to total assets | 76.4487% | 6,311 |
| Equity capital to assets | 12.6909% | 1,595 |
| Core capital (leverage) ratio | 9.9988% | 3,382 |
| Tier 1 risk-based capital ratio | 15.7301% | 3,411 |
| Total risk-based capital ratio | 16.9962% | 3,360 |
| Memoranda: | ||
| Average total assets | $391,474,500 | 1,704 |
| Average earning assets | $353,382,500 | 1,723 |
| Average equity | $50,344,000 | 1,442 |
| Average total loans | $260,621,000 | 1,608 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8408% | 2,057 |
| Cost of funding earning assets | 0.5075% | 5,164 |
| Net interest margin | 4.3332% | 1,319 |
| Noninterest income to average assets | 0.5851% | 3,361 |
| Noninterest expense to average assets | 2.9956% | 3,293 |
| Loan and lease loss provision to assets | 0.3574% | 1,870 |
| Net operating income to assets | 0.8351% | 3,117 |
| Return on assets (ROA) | 0.8457% | 3,321 |
| Pretax return on assets | 1.1590% | 2,955 |
| Return on Equity (ROE) | 6.7076% | 3,810 |
| Retained earnings to average equity (ytd only) | 1.9335% | 4,856 |
| Net charge-offs to loans | 0.5243% | 2,154 |
| Credit loss provision to net charge-offs | 102.8139% | 2,922 |
| Earnings coverage of net charge-offs (x) | 4.3203% | 3,412 |
| Efficiency ratio | 63.6627% | 4,946 |
| Assets per employee ($millions) | 4.3888% | 3,173 |
| Cash dividends to net income (ytd only)* | 71.1744% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0492% | 1,893 |
| Loan loss allowance to noncurrent loans | 60.0135% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 2.6036% | 1,866 |
| Noncurrent loans to loans | 3.4146% | 1,472 |
| Net loans and leases to total assets | 65.3464% | 2,642 |
| Net loans and leases to deposits | 86.4105% | 1,459 |
| Net loans and leases to core deposits | 91.8528% | 1,644 |
| Total domestic deposits to total assets | 75.6233% | 6,397 |
| Equity capital to assets | 13.0300% | 1,436 |
| Core capital (leverage) ratio | 10.2042% | 3,132 |
| Tier 1 risk-based capital ratio | 15.7746% | 3,278 |
| Total risk-based capital ratio | 17.0364% | 3,230 |
| Memoranda: | ||
| Average total assets | $398,722,800 | 1,640 |
| Average earning assets | $359,984,400 | 1,658 |
| Average equity | $50,271,400 | 1,409 |
| Average total loans | $264,377,200 | 1,566 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8916% | 2,044 |
| Cost of funding earning assets | 0.5232% | 5,287 |
| Net interest margin | 4.3683% | 1,290 |
| Noninterest income to average assets | 0.5915% | 3,334 |
| Noninterest expense to average assets | 3.0259% | 3,147 |
| Loan and lease loss provision to assets | 0.3557% | 1,834 |
| Net operating income to assets | 0.8414% | 3,254 |
| Return on assets (ROA) | 0.8577% | 3,429 |
| Pretax return on assets | 1.1764% | 3,079 |
| Return on Equity (ROE) | 6.8587% | 3,881 |
| Retained earnings to average equity (ytd only) | 2.8680% | 4,834 |
| Net charge-offs to loans | 0.3372% | 2,773 |
| Credit loss provision to net charge-offs | 159.3145% | 1,756 |
| Earnings coverage of net charge-offs (x) | 6.7631% | 2,719 |
| Efficiency ratio | 63.8084% | 4,838 |
| Assets per employee ($millions) | 4.0646% | 3,742 |
| Cash dividends to net income (ytd only)* | 58.1846% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1391% | 1,834 |
| Loan loss allowance to noncurrent loans | 97.5522% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.9187% | 2,758 |
| Noncurrent loans to loans | 2.1928% | 2,626 |
| Net loans and leases to total assets | 66.8150% | 2,499 |
| Net loans and leases to deposits | 87.7693% | 1,380 |
| Net loans and leases to core deposits | 93.2207% | 1,661 |
| Total domestic deposits to total assets | 76.1257% | 6,365 |
| Equity capital to assets | 13.0769% | 1,559 |
| Core capital (leverage) ratio | 10.1680% | 3,324 |
| Tier 1 risk-based capital ratio | 15.3747% | 3,612 |
| Total risk-based capital ratio | 16.6374% | 3,557 |
| Memoranda: | ||
| Average total assets | $400,752,000 | 1,649 |
| Average earning assets | $361,838,750 | 1,671 |
| Average equity | $50,115,250 | 1,428 |
| Average total loans | $265,324,750 | 1,573 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8194% | 2,432 |
| Cost of funding earning assets | 0.5418% | 5,360 |
| Net interest margin | 4.2777% | 1,523 |
| Noninterest income to average assets | 0.6169% | 3,155 |
| Noninterest expense to average assets | 2.9634% | 3,397 |
| Loan and lease loss provision to assets | 0.3527% | 1,867 |
| Net operating income to assets | 0.8492% | 3,151 |
| Return on assets (ROA) | 0.8578% | 3,371 |
| Pretax return on assets | 1.1799% | 3,017 |
| Return on Equity (ROE) | 6.9623% | 3,802 |
| Retained earnings to average equity (ytd only) | 0.9395% | 5,694 |
| Net charge-offs to loans | 0.4604% | 2,223 |
| Credit loss provision to net charge-offs | 116.8852% | 2,355 |
| Earnings coverage of net charge-offs (x) | 5.0393% | 2,921 |
| Efficiency ratio | 63.1730% | 5,055 |
| Assets per employee ($millions) | 4.0497% | 3,771 |
| Cash dividends to net income (ytd only)* | 86.5052% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0540% | 2,102 |
| Loan loss allowance to noncurrent loans | 83.5240% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 2.1566% | 2,603 |
| Noncurrent loans to loans | 2.4592% | 2,442 |
| Net loans and leases to total assets | 64.9317% | 2,852 |
| Net loans and leases to deposits | 85.4738% | 1,659 |
| Net loans and leases to core deposits | 90.5540% | 1,927 |
| Total domestic deposits to total assets | 75.9667% | 6,465 |
| Equity capital to assets | 12.6260% | 1,737 |
| Core capital (leverage) ratio | 9.7533% | 3,775 |
| Tier 1 risk-based capital ratio | 15.1565% | 3,663 |
| Total risk-based capital ratio | 16.4181% | 3,621 |
| Memoranda: | ||
| Average total assets | $404,267,330 | 1,634 |
| Average earning assets | $365,479,000 | 1,651 |
| Average equity | $49,811,330 | 1,429 |
| Average total loans | $264,961,330 | 1,575 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7793% | 2,719 |
| Cost of funding earning assets | 0.5684% | 5,373 |
| Net interest margin | 4.2108% | 1,733 |
| Noninterest income to average assets | 0.5736% | 3,396 |
| Noninterest expense to average assets | 2.8463% | 3,838 |
| Loan and lease loss provision to assets | 0.3490% | 1,788 |
| Net operating income to assets | 0.8604% | 3,104 |
| Return on assets (ROA) | 0.8618% | 3,330 |
| Pretax return on assets | 1.1932% | 2,936 |
| Return on Equity (ROE) | 7.0798% | 3,741 |
| Retained earnings to average equity (ytd only) | 3.0526% | 4,728 |
| Net charge-offs to loans | 0.4724% | 1,908 |
| Credit loss provision to net charge-offs | 113.3758% | 2,084 |
| Earnings coverage of net charge-offs (x) | 5.0032% | 2,461 |
| Efficiency ratio | 61.9356% | 5,289 |
| Assets per employee ($millions) | 4.4569% | 3,075 |
| Cash dividends to net income (ytd only)* | 56.8828% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0033% | 2,341 |
| Loan loss allowance to noncurrent loans | 58.1077% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 2.4587% | 2,406 |
| Noncurrent loans to loans | 3.4475% | 1,811 |
| Net loans and leases to total assets | 64.4444% | 2,773 |
| Net loans and leases to deposits | 84.7920% | 1,564 |
| Net loans and leases to core deposits | 90.5207% | 1,798 |
| Total domestic deposits to total assets | 76.0029% | 6,541 |
| Equity capital to assets | 12.3073% | 1,845 |
| Core capital (leverage) ratio | 9.6024% | 3,915 |
| Tier 1 risk-based capital ratio | 14.9307% | 3,800 |
| Total risk-based capital ratio | 16.1916% | 3,757 |
| Memoranda: | ||
| Average total assets | $407,965,500 | 1,626 |
| Average earning assets | $369,428,500 | 1,638 |
| Average equity | $49,662,500 | 1,419 |
| Average total loans | $265,892,500 | 1,575 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9585% | 3,076 |
| Cost of funding earning assets | 0.8520% | 4,464 |
| Net interest margin | 4.1065% | 2,401 |
| Noninterest income to average assets | 0.5454% | 3,543 |
| Noninterest expense to average assets | 2.8924% | 3,986 |
| Loan and lease loss provision to assets | 0.1906% | 4,277 |
| Net operating income to assets | 0.8433% | 2,862 |
| Return on assets (ROA) | 0.8649% | 2,897 |
| Pretax return on assets | 1.2084% | 2,430 |
| Return on Equity (ROE) | 7.4244% | 3,188 |
| Retained earnings to average equity (ytd only) | 0.2022% | 5,743 |
| Net charge-offs to loans | 0.1252% | 5,138 |
| Credit loss provision to net charge-offs | 235.3116% | 1,035 |
| Earnings coverage of net charge-offs (x) | 16.8991% | 1,298 |
| Efficiency ratio | 64.8954% | 4,966 |
| Assets per employee ($millions) | 4.5595% | 2,814 |
| Cash dividends to net income (ytd only)* | 97.2763% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9999% | 2,280 |
| Loan loss allowance to noncurrent loans | 64.3325% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 2.2191% | 2,712 |
| Noncurrent loans to loans | 3.1086% | 2,080 |
| Net loans and leases to total assets | 63.3037% | 3,331 |
| Net loans and leases to deposits | 82.6079% | 2,120 |
| Net loans and leases to core deposits | 92.4550% | 1,845 |
| Total domestic deposits to total assets | 76.6315% | 6,387 |
| Equity capital to assets | 12.0406% | 2,093 |
| Core capital (leverage) ratio | 9.2711% | 4,371 |
| Tier 1 risk-based capital ratio | 14.8794% | 3,713 |
| Total risk-based capital ratio | 16.1487% | 3,674 |
| Memoranda: | ||
| Average total assets | $415,988,800 | 1,563 |
| Average earning assets | $376,425,000 | 1,580 |
| Average equity | $48,461,800 | 1,409 |
| Average total loans | $269,218,200 | 1,568 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0042% | 3,066 |
| Cost of funding earning assets | 0.9211% | 4,266 |
| Net interest margin | 4.0831% | 2,536 |
| Noninterest income to average assets | 0.5315% | 3,642 |
| Noninterest expense to average assets | 2.8742% | 4,039 |
| Loan and lease loss provision to assets | 0.2894% | 3,198 |
| Net operating income to assets | 0.7640% | 3,323 |
| Return on assets (ROA) | 0.7925% | 3,367 |
| Pretax return on assets | 1.1020% | 3,002 |
| Return on Equity (ROE) | 6.8593% | 3,588 |
| Retained earnings to average equity (ytd only) | -0.7437% | 6,107 |
| Net charge-offs to loans | 0.1327% | 4,725 |
| Credit loss provision to net charge-offs | 336.8030% | 840 |
| Earnings coverage of net charge-offs (x) | 15.7323% | 1,444 |
| Efficiency ratio | 65.0189% | 4,895 |
| Assets per employee ($millions) | 4.3494% | 3,180 |
| Cash dividends to net income (ytd only)* | 110.8425% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0401% | 2,229 |
| Loan loss allowance to noncurrent loans | 85.1265% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.7754% | 3,436 |
| Noncurrent loans to loans | 2.3965% | 2,893 |
| Net loans and leases to total assets | 63.0558% | 3,499 |
| Net loans and leases to deposits | 81.3242% | 2,482 |
| Net loans and leases to core deposits | 91.9124% | 2,005 |
| Total domestic deposits to total assets | 77.5363% | 6,289 |
| Equity capital to assets | 11.8209% | 2,399 |
| Core capital (leverage) ratio | 9.1521% | 4,707 |
| Tier 1 risk-based capital ratio | 14.5212% | 3,961 |
| Total risk-based capital ratio | 15.8073% | 3,914 |
| Memoranda: | ||
| Average total assets | $417,398,000 | 1,567 |
| Average earning assets | $377,675,250 | 1,582 |
| Average equity | $48,225,000 | 1,420 |
| Average total loans | $270,255,500 | 1,582 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1077% | 2,641 |
| Cost of funding earning assets | 1.0189% | 3,823 |
| Net interest margin | 4.0888% | 2,450 |
| Noninterest income to average assets | 0.4701% | 4,107 |
| Noninterest expense to average assets | 2.8240% | 4,333 |
| Loan and lease loss provision to assets | 0.2636% | 3,291 |
| Net operating income to assets | 0.7769% | 3,165 |
| Return on assets (ROA) | 0.7773% | 3,296 |
| Pretax return on assets | 1.0792% | 2,935 |
| Return on Equity (ROE) | 6.7798% | 3,538 |
| Retained earnings to average equity (ytd only) | -2.6250% | 6,322 |
| Net charge-offs to loans | 0.0776% | 4,862 |
| Credit loss provision to net charge-offs | 523.8095% | 587 |
| Earnings coverage of net charge-offs (x) | 26.6762% | 1,009 |
| Efficiency ratio | 64.7458% | 5,103 |
| Assets per employee ($millions) | 4.5118% | 2,812 |
| Cash dividends to net income (ytd only)* | 138.7176% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9598% | 2,481 |
| Loan loss allowance to noncurrent loans | 99.6421% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.4575% | 4,033 |
| Noncurrent loans to loans | 1.9669% | 3,525 |
| Net loans and leases to total assets | 64.4532% | 3,366 |
| Net loans and leases to deposits | 83.2767% | 2,222 |
| Net loans and leases to core deposits | 90.6249% | 2,298 |
| Total domestic deposits to total assets | 77.3964% | 6,396 |
| Equity capital to assets | 11.7627% | 2,273 |
| Core capital (leverage) ratio | 8.9499% | 4,805 |
| Tier 1 risk-based capital ratio | 14.6636% | 3,690 |
| Total risk-based capital ratio | 15.9641% | 3,634 |
| Memoranda: | ||
| Average total assets | $417,350,330 | 1,579 |
| Average earning assets | $377,271,670 | 1,592 |
| Average equity | $47,847,670 | 1,412 |
| Average total loans | $270,751,670 | 1,595 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0911% | 2,680 |
| Cost of funding earning assets | 1.1132% | 3,434 |
| Net interest margin | 3.9779% | 2,784 |
| Noninterest income to average assets | 0.5001% | 3,888 |
| Noninterest expense to average assets | 2.7970% | 4,454 |
| Loan and lease loss provision to assets | 0.3385% | 2,532 |
| Net operating income to assets | 0.6963% | 3,530 |
| Return on assets (ROA) | 0.6921% | 3,614 |
| Pretax return on assets | 0.9498% | 3,321 |
| Return on Equity (ROE) | 6.1146% | 3,833 |
| Retained earnings to average equity (ytd only) | -6.4841% | 6,635 |
| Net charge-offs to loans | 0.1578% | 3,538 |
| Credit loss provision to net charge-offs | 332.7103% | 982 |
| Earnings coverage of net charge-offs (x) | 12.7196% | 1,483 |
| Efficiency ratio | 65.3033% | 5,152 |
| Assets per employee ($millions) | 4.2860% | 3,268 |
| Cash dividends to net income (ytd only)* | 206.0440% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8818% | 2,753 |
| Loan loss allowance to noncurrent loans | 96.6420% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 1.5680% | 3,897 |
| Noncurrent loans to loans | 1.9472% | 3,642 |
| Net loans and leases to total assets | 63.2342% | 3,596 |
| Net loans and leases to deposits | 81.8957% | 2,381 |
| Net loans and leases to core deposits | 89.6393% | 2,386 |
| Total domestic deposits to total assets | 77.2132% | 6,494 |
| Equity capital to assets | 11.2803% | 2,432 |
| Core capital (leverage) ratio | 8.6845% | 5,112 |
| Tier 1 risk-based capital ratio | 14.3725% | 3,822 |
| Total risk-based capital ratio | 15.6502% | 3,766 |
| Memoranda: | ||
| Average total assets | $420,737,000 | 1,584 |
| Average earning assets | $379,800,000 | 1,596 |
| Average equity | $47,624,000 | 1,409 |
| Average total loans | $271,167,500 | 1,617 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 3,214 |
| Cost of funding earning assets | 1.3782% | 3,404 |
| Net interest margin | 3.9029% | 3,469 |
| Noninterest income to average assets | 0.6375% | 3,229 |
| Noninterest expense to average assets | 2.7862% | 4,657 |
| Loan and lease loss provision to assets | 0.2900% | 4,478 |
| Net operating income to assets | 0.7974% | 2,816 |
| Return on assets (ROA) | 0.8137% | 2,872 |
| Pretax return on assets | 1.0997% | 2,580 |
| Return on Equity (ROE) | 7.1630% | 3,044 |
| Retained earnings to average equity (ytd only) | 0.3897% | 5,384 |
| Net charge-offs to loans | 0.3517% | 4,261 |
| Credit loss provision to net charge-offs | 128.1381% | 3,135 |
| Earnings coverage of net charge-offs (x) | 6.0429% | 2,458 |
| Efficiency ratio | 64.0659% | 5,343 |
| Assets per employee ($millions) | 4.4834% | 2,905 |
| Cash dividends to net income (ytd only)* | 94.5592% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 2,916 |
| Loan loss allowance to noncurrent loans | 70.0145% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 2.0031% | 3,342 |
| Noncurrent loans to loans | 2.5475% | 2,978 |
| Net loans and leases to total assets | 63.3046% | 4,007 |
| Net loans and leases to deposits | 80.4511% | 3,083 |
| Net loans and leases to core deposits | 89.9771% | 2,768 |
| Total domestic deposits to total assets | 78.6870% | 6,166 |
| Equity capital to assets | 11.3579% | 2,368 |
| Core capital (leverage) ratio | 8.8539% | 4,772 |
| Tier 1 risk-based capital ratio | 14.5214% | 3,530 |
| Total risk-based capital ratio | 15.7795% | 3,484 |
| Memoranda: | ||
| Average total assets | $422,402,000 | 1,573 |
| Average earning assets | $380,560,200 | 1,583 |
| Average equity | $47,982,400 | 1,395 |
| Average total loans | $271,853,000 | 1,642 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3076% | 3,317 |
| Cost of funding earning assets | 1.4082% | 3,534 |
| Net interest margin | 3.8994% | 3,523 |
| Noninterest income to average assets | 0.6555% | 3,094 |
| Noninterest expense to average assets | 2.7862% | 4,549 |
| Loan and lease loss provision to assets | 0.2918% | 4,243 |
| Net operating income to assets | 0.7903% | 3,041 |
| Return on assets (ROA) | 0.8048% | 3,130 |
| Pretax return on assets | 1.1098% | 2,795 |
| Return on Equity (ROE) | 7.0843% | 3,306 |
| Retained earnings to average equity (ytd only) | -0.2749% | 5,851 |
| Net charge-offs to loans | 0.3349% | 3,979 |
| Credit loss provision to net charge-offs | 135.4319% | 2,967 |
| Earnings coverage of net charge-offs (x) | 6.4129% | 2,528 |
| Efficiency ratio | 63.8510% | 5,267 |
| Assets per employee ($millions) | 4.2711% | 3,312 |
| Cash dividends to net income (ytd only)* | 103.8809% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7663% | 2,911 |
| Loan loss allowance to noncurrent loans | 184.8810% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 1.1140% | 4,889 |
| Noncurrent loans to loans | 0.9554% | 5,319 |
| Net loans and leases to total assets | 62.7356% | 4,378 |
| Net loans and leases to deposits | 79.8808% | 3,475 |
| Net loans and leases to core deposits | 89.4564% | 3,171 |
| Total domestic deposits to total assets | 78.5365% | 6,136 |
| Equity capital to assets | 11.3126% | 2,693 |
| Core capital (leverage) ratio | 8.8318% | 4,952 |
| Tier 1 risk-based capital ratio | 14.0732% | 3,777 |
| Total risk-based capital ratio | 15.3309% | 3,748 |
| Memoranda: | ||
| Average total assets | $422,642,000 | 1,597 |
| Average earning assets | $380,700,250 | 1,602 |
| Average equity | $48,011,250 | 1,405 |
| Average total loans | $271,907,000 | 1,660 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3190% | 3,375 |
| Cost of funding earning assets | 1.4283% | 3,685 |
| Net interest margin | 3.8907% | 3,489 |
| Noninterest income to average assets | 0.6753% | 2,845 |
| Noninterest expense to average assets | 2.7876% | 4,547 |
| Loan and lease loss provision to assets | 0.2968% | 4,015 |
| Net operating income to assets | 0.7972% | 2,990 |
| Return on assets (ROA) | 0.8187% | 3,033 |
| Pretax return on assets | 1.1260% | 2,690 |
| Return on Equity (ROE) | 7.1969% | 3,217 |
| Retained earnings to average equity (ytd only) | -0.1085% | 5,757 |
| Net charge-offs to loans | 0.3431% | 3,630 |
| Credit loss provision to net charge-offs | 134.1202% | 2,995 |
| Earnings coverage of net charge-offs (x) | 6.2961% | 2,478 |
| Efficiency ratio | 63.6756% | 5,394 |
| Assets per employee ($millions) | 4.2824% | 3,248 |
| Cash dividends to net income (ytd only)* | 101.5081% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 2,970 |
| Loan loss allowance to noncurrent loans | 126.6988% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 1.1636% | 4,807 |
| Noncurrent loans to loans | 1.3649% | 4,661 |
| Net loans and leases to total assets | 62.8444% | 4,506 |
| Net loans and leases to deposits | 80.1002% | 3,580 |
| Net loans and leases to core deposits | 90.8221% | 3,151 |
| Total domestic deposits to total assets | 78.4573% | 6,157 |
| Equity capital to assets | 11.2256% | 2,665 |
| Core capital (leverage) ratio | 8.8120% | 4,895 |
| Tier 1 risk-based capital ratio | 14.0415% | 3,698 |
| Total risk-based capital ratio | 15.2987% | 3,661 |
| Memoranda: | ||
| Average total assets | $421,153,670 | 1,617 |
| Average earning assets | $379,468,670 | 1,628 |
| Average equity | $47,909,330 | 1,396 |
| Average total loans | $271,620,670 | 1,684 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3491% | 3,305 |
| Cost of funding earning assets | 1.4547% | 3,838 |
| Net interest margin | 3.8944% | 3,356 |
| Noninterest income to average assets | 0.6389% | 3,009 |
| Noninterest expense to average assets | 2.8141% | 4,439 |
| Loan and lease loss provision to assets | 0.3113% | 3,553 |
| Net operating income to assets | 0.7465% | 3,230 |
| Return on assets (ROA) | 0.7940% | 3,105 |
| Pretax return on assets | 1.0814% | 2,797 |
| Return on Equity (ROE) | 6.9332% | 3,377 |
| Retained earnings to average equity (ytd only) | 2.7515% | 4,488 |
| Net charge-offs to loans | 0.3800% | 2,913 |
| Credit loss provision to net charge-offs | 126.4591% | 2,784 |
| Earnings coverage of net charge-offs (x) | 5.3930% | 2,410 |
| Efficiency ratio | 64.8936% | 5,323 |
| Assets per employee ($millions) | 4.2992% | 3,294 |
| Cash dividends to net income (ytd only)* | 60.3136% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 3,039 |
| Loan loss allowance to noncurrent loans | 115.8683% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 1.3194% | 4,554 |
| Noncurrent loans to loans | 1.4740% | 4,531 |
| Net loans and leases to total assets | 64.0918% | 4,303 |
| Net loans and leases to deposits | 80.3254% | 3,597 |
| Net loans and leases to core deposits | 91.3630% | 3,189 |
| Total domestic deposits to total assets | 79.7903% | 5,861 |
| Equity capital to assets | 11.5236% | 2,342 |
| Core capital (leverage) ratio | 8.9729% | 4,615 |
| Tier 1 risk-based capital ratio | 14.3473% | 3,467 |
| Total risk-based capital ratio | 15.6093% | 3,423 |
| Memoranda: | ||
| Average total assets | $417,612,000 | 1,666 |
| Average earning assets | $375,617,000 | 1,682 |
| Average equity | $47,828,000 | 1,405 |
| Average total loans | $270,501,500 | 1,741 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5724% | 3,746 |
| Cost of funding earning assets | 1.8312% | 3,828 |
| Net interest margin | 3.7413% | 3,948 |
| Noninterest income to average assets | 0.7543% | 2,653 |
| Noninterest expense to average assets | 2.8537% | 4,730 |
| Loan and lease loss provision to assets | 0.2957% | 5,064 |
| Net operating income to assets | 0.7177% | 2,864 |
| Return on assets (ROA) | 0.7231% | 2,915 |
| Pretax return on assets | 0.9467% | 2,770 |
| Return on Equity (ROE) | 6.2260% | 3,114 |
| Retained earnings to average equity (ytd only) | 2.9945% | 3,069 |
| Net charge-offs to loans | 0.3850% | 4,281 |
| Credit loss provision to net charge-offs | 114.4240% | 4,784 |
| Earnings coverage of net charge-offs (x) | 4.7803% | 2,822 |
| Efficiency ratio | 66.5565% | 5,281 |
| Assets per employee ($millions) | 4.3563% | 3,178 |
| Cash dividends to net income (ytd only)* | 51.9031% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 2,889 |
| Loan loss allowance to noncurrent loans | 120.8344% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 1.2857% | 4,513 |
| Noncurrent loans to loans | 1.4074% | 4,578 |
| Net loans and leases to total assets | 63.2484% | 4,762 |
| Net loans and leases to deposits | 81.1776% | 3,770 |
| Net loans and leases to core deposits | 112.4165% | 2,655 |
| Total domestic deposits to total assets | 77.9135% | 6,239 |
| Equity capital to assets | 11.3821% | 2,410 |
| Core capital (leverage) ratio | 9.0554% | 4,331 |
| Tier 1 risk-based capital ratio | 14.0935% | 3,442 |
| Total risk-based capital ratio | 15.3500% | 3,395 |
| Memoranda: | ||
| Average total assets | $399,690,600 | 1,720 |
| Average earning assets | $356,271,000 | 1,758 |
| Average equity | $46,418,200 | 1,455 |
| Average total loans | $268,305,600 | 1,788 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6130% | 3,786 |
| Cost of funding earning assets | 1.9181% | 3,781 |
| Net interest margin | 3.6949% | 4,097 |
| Noninterest income to average assets | 0.7556% | 2,680 |
| Noninterest expense to average assets | 2.8879% | 4,511 |
| Loan and lease loss provision to assets | 0.2977% | 4,584 |
| Net operating income to assets | 0.6380% | 3,460 |
| Return on assets (ROA) | 0.6446% | 3,492 |
| Pretax return on assets | 0.8640% | 3,340 |
| Return on Equity (ROE) | 5.5214% | 3,725 |
| Retained earnings to average equity (ytd only) | 5.5214% | 2,194 |
| Net charge-offs to loans | 0.3983% | 3,671 |
| Credit loss provision to net charge-offs | 110.1124% | 4,620 |
| Earnings coverage of net charge-offs (x) | 4.2647% | 3,194 |
| Efficiency ratio | 68.1617% | 4,936 |
| Assets per employee ($millions) | 4.1859% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6686% | 2,736 |
| Loan loss allowance to noncurrent loans | 127.5686% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 1.3540% | 4,385 |
| Noncurrent loans to loans | 1.3080% | 4,754 |
| Net loans and leases to total assets | 66.0943% | 4,410 |
| Net loans and leases to deposits | 82.8543% | 3,858 |
| Net loans and leases to core deposits | 113.7183% | 2,861 |
| Total domestic deposits to total assets | 79.7718% | 5,533 |
| Equity capital to assets | 12.1161% | 2,179 |
| Core capital (leverage) ratio | 9.3113% | 4,174 |
| Tier 1 risk-based capital ratio | 14.3747% | 3,341 |
| Total risk-based capital ratio | 15.6314% | 3,284 |
| Memoranda: | ||
| Average total assets | $395,062,750 | 1,752 |
| Average earning assets | $351,245,500 | 1,795 |
| Average equity | $46,122,750 | 1,482 |
| Average total loans | $268,111,500 | 1,808 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6296% | 3,919 |
| Cost of funding earning assets | 1.9773% | 3,882 |
| Net interest margin | 3.6523% | 4,154 |
| Noninterest income to average assets | 0.7495% | 2,708 |
| Noninterest expense to average assets | 2.9150% | 4,451 |
| Loan and lease loss provision to assets | 0.3472% | 3,841 |
| Net operating income to assets | 0.5505% | 3,878 |
| Return on assets (ROA) | 0.5509% | 3,997 |
| Pretax return on assets | 0.7306% | 3,895 |
| Return on Equity (ROE) | 4.7805% | 4,174 |
| Retained earnings to average equity (ytd only) | 4.7805% | 2,650 |
| Net charge-offs to loans | 0.4554% | 3,004 |
| Credit loss provision to net charge-offs | 111.9869% | 4,135 |
| Earnings coverage of net charge-offs (x) | 3.4745% | 3,429 |
| Efficiency ratio | 69.6467% | 4,852 |
| Assets per employee ($millions) | 4.1995% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 2,424 |
| Loan loss allowance to noncurrent loans | 156.0527% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 1.6190% | 3,787 |
| Noncurrent loans to loans | 1.0750% | 5,059 |
| Net loans and leases to total assets | 66.0969% | 4,548 |
| Net loans and leases to deposits | 82.3485% | 4,166 |
| Net loans and leases to core deposits | 112.5772% | 3,067 |
| Total domestic deposits to total assets | 80.2649% | 5,366 |
| Equity capital to assets | 11.5260% | 2,526 |
| Core capital (leverage) ratio | 9.2172% | 4,283 |
| Tier 1 risk-based capital ratio | 13.8717% | 3,594 |
| Total risk-based capital ratio | 15.1281% | 3,526 |
| Memoranda: | ||
| Average total assets | $392,802,330 | 1,789 |
| Average earning assets | $348,763,000 | 1,826 |
| Average equity | $45,267,670 | 1,520 |
| Average total loans | $267,447,670 | 1,843 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6651% | 3,966 |
| Cost of funding earning assets | 2.0378% | 3,939 |
| Net interest margin | 3.6273% | 4,202 |
| Noninterest income to average assets | 0.7143% | 2,795 |
| Noninterest expense to average assets | 2.8440% | 4,364 |
| Loan and lease loss provision to assets | 0.3079% | 3,495 |
| Net operating income to assets | 0.5840% | 4,087 |
| Return on assets (ROA) | 0.5840% | 4,279 |
| Pretax return on assets | 0.7852% | 4,127 |
| Return on Equity (ROE) | 5.0679% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.0679% | 3,082 |
| Net charge-offs to loans | 0.1902% | 3,497 |
| Credit loss provision to net charge-offs | 236.2205% | 1,958 |
| Earnings coverage of net charge-offs (x) | 8.3858% | 2,197 |
| Efficiency ratio | 68.7956% | 4,819 |
| Assets per employee ($millions) | 4.2187% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 2,042 |
| Loan loss allowance to noncurrent loans | 130.6905% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.4757% | 3,719 |
| Noncurrent loans to loans | 1.3234% | 4,331 |
| Net loans and leases to total assets | 66.6019% | 4,441 |
| Net loans and leases to deposits | 82.6375% | 4,188 |
| Net loans and leases to core deposits | 112.8200% | 3,130 |
| Total domestic deposits to total assets | 80.5953% | 5,132 |
| Equity capital to assets | 11.5549% | 2,554 |
| Core capital (leverage) ratio | 9.2255% | 4,371 |
| Tier 1 risk-based capital ratio | 13.9020% | 3,646 |
| Total risk-based capital ratio | 15.1593% | 3,563 |
| Memoranda: | ||
| Average total assets | $389,729,000 | 1,805 |
| Average earning assets | $346,260,500 | 1,846 |
| Average equity | $44,910,000 | 1,530 |
| Average total loans | $267,075,500 | 1,861 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5201% | 2,864 |
| Cost of funding earning assets | 2.5840% | 3,773 |
| Net interest margin | 3.9362% | 3,419 |
| Noninterest income to average assets | 0.7989% | 2,521 |
| Noninterest expense to average assets | 2.9157% | 4,395 |
| Loan and lease loss provision to assets | 0.2031% | 4,858 |
| Net operating income to assets | 1.2000% | 1,766 |
| Return on assets (ROA) | 0.2404% | 5,550 |
| Pretax return on assets | 0.2216% | 5,682 |
| Return on Equity (ROE) | 2.0635% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.0635% | 3,953 |
| Net charge-offs to loans | 0.3331% | 3,170 |
| Credit loss provision to net charge-offs | 90.5963% | 5,671 |
| Earnings coverage of net charge-offs (x) | 6.1743% | 3,423 |
| Efficiency ratio | 64.6496% | 5,405 |
| Assets per employee ($millions) | 3.9502% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 2,065 |
| Loan loss allowance to noncurrent loans | 336.3222% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.9173% | 4,548 |
| Noncurrent loans to loans | 0.4906% | 5,880 |
| Net loans and leases to total assets | 68.1498% | 4,442 |
| Net loans and leases to deposits | 83.8894% | 4,437 |
| Net loans and leases to core deposits | 114.2326% | 3,313 |
| Total domestic deposits to total assets | 81.2376% | 4,539 |
| Equity capital to assets | 11.4914% | 2,642 |
| Core capital (leverage) ratio | 9.1289% | 4,555 |
| Tier 1 risk-based capital ratio | 13.4942% | 3,823 |
| Total risk-based capital ratio | 14.7504% | 3,717 |
| Memoranda: | ||
| Average total assets | $388,930,000 | 1,743 |
| Average earning assets | $345,943,000 | 1,788 |
| Average equity | $45,312,400 | 1,493 |
| Average total loans | $261,744,200 | 1,820 |