Home > Peoples Bank Midwest > Performance and Condition Ratios
Peoples Bank Midwest, 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 | 4.4212% | 1,797 |
| Cost of funding earning assets | 0.3999% | 3,807 |
| Net interest margin | 4.0213% | 1,064 |
| Noninterest income to average assets | 0.8148% | 1,438 |
| Noninterest expense to average assets | 1.8684% | 4,384 |
| Loan and lease loss provision to assets | 0.1537% | 2,477 |
| Net operating income to assets | 2.2562% | 188 |
| Return on assets (ROA) | 2.2571% | 199 |
| Pretax return on assets | 2.2571% | 307 |
| Return on Equity (ROE) | 13.9590% | 886 |
| Retained earnings to average equity (ytd only) | 6.4265% | 1,912 |
| Net charge-offs to loans | 0.0009% | 3,211 |
| Credit loss provision to net charge-offs | 25,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 3,921.5000% | 15 |
| Efficiency ratio | 42.2364% | 4,850 |
| Assets per employee ($millions) | 9.7748% | 549 |
| Cash dividends to net income (ytd only)* | 53.9613% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1524% | 4,972 |
| Loan loss allowance to noncurrent loans | 129.8201% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 3,939 |
| Noncurrent loans to loans | 0.1174% | 3,907 |
| Net loans and leases to total assets | 72.0403% | 1,655 |
| Net loans and leases to deposits | 87.1731% | 1,573 |
| Net loans and leases to core deposits | 94.3154% | 1,611 |
| Total domestic deposits to total assets | 82.6405% | 3,239 |
| Equity capital to assets | 15.8770% | 484 |
| Core capital (leverage) ratio | 9.1433% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $433,939,750 | 1,726 |
| Average earning assets | $373,735,500 | 1,833 |
| Average equity | $70,165,750 | 1,283 |
| Average total loans | $309,231,250 | 1,646 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8460% | 1,062 |
| Cost of funding earning assets | 0.4587% | 3,751 |
| Net interest margin | 4.3873% | 639 |
| Noninterest income to average assets | 0.7333% | 1,627 |
| Noninterest expense to average assets | 1.9166% | 4,385 |
| Loan and lease loss provision to assets | 0.1645% | 2,356 |
| Net operating income to assets | 2.4158% | 158 |
| Return on assets (ROA) | 2.4172% | 171 |
| Pretax return on assets | 2.4172% | 243 |
| Return on Equity (ROE) | 14.8525% | 733 |
| Retained earnings to average equity (ytd only) | 5.3523% | 2,327 |
| Net charge-offs to loans | 0.0007% | 3,018 |
| Credit loss provision to net charge-offs | 35,000.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 5,489.0000% | 8 |
| Efficiency ratio | 41.2294% | 4,881 |
| Assets per employee ($millions) | 9.8008% | 533 |
| Cash dividends to net income (ytd only)* | 63.9634% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1058% | 5,013 |
| Loan loss allowance to noncurrent loans | 217.6829% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 4,376 |
| Noncurrent loans to loans | 0.0486% | 4,287 |
| Net loans and leases to total assets | 70.1771% | 2,002 |
| Net loans and leases to deposits | 85.8874% | 1,778 |
| Net loans and leases to core deposits | 93.8277% | 1,755 |
| Total domestic deposits to total assets | 81.7083% | 3,444 |
| Equity capital to assets | 14.8591% | 645 |
| Core capital (leverage) ratio | 9.1975% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $425,448,333 | 1,728 |
| Average earning assets | $364,960,667 | 1,838 |
| Average equity | $69,240,667 | 1,283 |
| Average total loans | $301,819,000 | 1,657 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4199% | 2,545 |
| Cost of funding earning assets | 0.5520% | 3,680 |
| Net interest margin | 3.8679% | 1,768 |
| Noninterest income to average assets | 0.5125% | 2,488 |
| Noninterest expense to average assets | 2.0027% | 4,385 |
| Loan and lease loss provision to assets | 0.2010% | 1,513 |
| Net operating income to assets | 1.5897% | 638 |
| Return on assets (ROA) | 1.5928% | 698 |
| Pretax return on assets | 1.5928% | 1,072 |
| Return on Equity (ROE) | 9.2987% | 1,993 |
| Retained earnings to average equity (ytd only) | -2.0944% | 4,264 |
| Net charge-offs to loans | 0.0014% | 2,545 |
| Credit loss provision to net charge-offs | 20,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,782.0000% | 17 |
| Efficiency ratio | 51.0199% | 4,609 |
| Assets per employee ($millions) | 7.8866% | 772 |
| Cash dividends to net income (ytd only)* | 122.5237% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0723% | 5,054 |
| Loan loss allowance to noncurrent loans | 141.0959% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 4,430 |
| Noncurrent loans to loans | 0.0513% | 4,344 |
| Net loans and leases to total assets | 72.1561% | 1,900 |
| Net loans and leases to deposits | 93.3688% | 1,138 |
| Net loans and leases to core deposits | 104.7332% | 1,139 |
| Total domestic deposits to total assets | 77.2807% | 4,319 |
| Equity capital to assets | 17.0951% | 430 |
| Core capital (leverage) ratio | 10.1334% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0479% | 3,323 |
| Memoranda: | ||
| Average total assets | $398,053,000 | 1,772 |
| Average earning assets | $337,651,000 | 1,904 |
| Average equity | $68,181,500 | 1,291 |
| Average total loans | $284,041,000 | 1,695 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0277% | 5,166 |
| Cost of funding earning assets | 0.1161% | 5,085 |
| Net interest margin | 0.9116% | 5,160 |
| Noninterest income to average assets | 0.1003% | 4,927 |
| Noninterest expense to average assets | 0.4328% | 5,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5038% | 4,394 |
| Return on assets (ROA) | 0.5046% | 4,447 |
| Pretax return on assets | 0.5046% | 4,569 |
| Return on Equity (ROE) | 2.5802% | 4,731 |
| Retained earnings to average equity (ytd only) | 2.5802% | 3,744 |
| Net charge-offs to loans | -0.0024% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3551% | 4,965 |
| Assets per employee ($millions) | 8.0355% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0025% | 5,122 |
| Loan loss allowance to noncurrent loans | 5.5556% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 4,489 |
| Noncurrent loans to loans | 0.0445% | 4,384 |
| Net loans and leases to total assets | 70.5209% | 2,311 |
| Net loans and leases to deposits | 88.3319% | 1,797 |
| Net loans and leases to core deposits | 96.3594% | 1,873 |
| Total domestic deposits to total assets | 79.8363% | 4,008 |
| Equity capital to assets | 17.1618% | 451 |
| Core capital (leverage) ratio | 10.0474% | 3,461 |
| Tier 1 risk-based capital ratio | 11.2380% | 4,761 |
| Total risk-based capital ratio | 11.2402% | 5,083 |
| Memoranda: | ||
| Average total assets | $384,895,600 | 1,784 |
| Average earning assets | $353,127,400 | 1,804 |
| Average equity | $75,266,200 | 1,145 |
| Average total loans | $287,976,400 | 1,655 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5856% | 2,773 |
| Cost of funding earning assets | 0.6082% | 3,654 |
| Net interest margin | 3.9774% | 2,028 |
| Noninterest income to average assets | 0.5681% | 2,365 |
| Noninterest expense to average assets | 3.0650% | 1,789 |
| Loan and lease loss provision to assets | 0.0378% | 3,141 |
| Net operating income to assets | 1.0259% | 2,882 |
| Return on assets (ROA) | 1.0259% | 2,960 |
| Pretax return on assets | 1.1873% | 3,017 |
| Return on Equity (ROE) | 5.0820% | 4,305 |
| Retained earnings to average equity (ytd only) | 3.3469% | 3,726 |
| Net charge-offs to loans | 0.0060% | 3,170 |
| Credit loss provision to net charge-offs | 830.7692% | 421 |
| Earnings coverage of net charge-offs (x) | 269.1218% | 344 |
| Efficiency ratio | 71.4426% | 1,903 |
| Assets per employee ($millions) | 8.0524% | 681 |
| Cash dividends to net income (ytd only)* | 34.1413% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 2,770 |
| Loan loss allowance to noncurrent loans | 570.1031% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 3,133 |
| Noncurrent loans to loans | 0.2019% | 3,821 |
| Net loans and leases to total assets | 70.7606% | 2,366 |
| Net loans and leases to deposits | 92.1994% | 1,411 |
| Net loans and leases to core deposits | 104.9194% | 1,265 |
| Total domestic deposits to total assets | 76.7474% | 4,548 |
| Equity capital to assets | 19.3097% | 289 |
| Core capital (leverage) ratio | 19.6160% | 261 |
| Tier 1 risk-based capital ratio | 22.8889% | 953 |
| Total risk-based capital ratio | 23.9002% | 963 |
| Memoranda: | ||
| Average total assets | $380,675,500 | 1,816 |
| Average earning assets | $356,237,500 | 1,805 |
| Average equity | $76,844,750 | 1,121 |
| Average total loans | $289,134,750 | 1,658 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 2,744 |
| Cost of funding earning assets | 0.5890% | 3,709 |
| Net interest margin | 3.9881% | 1,959 |
| Noninterest income to average assets | 0.4419% | 3,005 |
| Noninterest expense to average assets | 2.0457% | 4,525 |
| Loan and lease loss provision to assets | 0.0579% | 2,670 |
| Net operating income to assets | 1.7945% | 605 |
| Return on assets (ROA) | 1.7945% | 628 |
| Pretax return on assets | 2.0704% | 591 |
| Return on Equity (ROE) | 8.7531% | 2,954 |
| Retained earnings to average equity (ytd only) | 6.1402% | 2,220 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0118% | 4,836 |
| Assets per employee ($millions) | 7.1212% | 945 |
| Cash dividends to net income (ytd only)* | 29.8507% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 2,668 |
| Loan loss allowance to noncurrent loans | 3,201.9231% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 3,452 |
| Noncurrent loans to loans | 0.0365% | 4,528 |
| Net loans and leases to total assets | 73.1303% | 2,037 |
| Net loans and leases to deposits | 92.5763% | 1,429 |
| Net loans and leases to core deposits | 104.6949% | 1,326 |
| Total domestic deposits to total assets | 78.9947% | 4,224 |
| Equity capital to assets | 20.3071% | 240 |
| Core capital (leverage) ratio | 21.0295% | 193 |
| Tier 1 risk-based capital ratio | 23.5476% | 890 |
| Total risk-based capital ratio | 24.5859% | 890 |
| Memoranda: | ||
| Average total assets | $373,360,330 | 1,857 |
| Average earning assets | $349,387,330 | 1,835 |
| Average equity | $76,544,670 | 1,122 |
| Average total loans | $289,441,330 | 1,665 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 2,505 |
| Cost of funding earning assets | 0.5738% | 3,708 |
| Net interest margin | 4.0340% | 1,738 |
| Noninterest income to average assets | 0.4079% | 3,136 |
| Noninterest expense to average assets | 2.0654% | 4,522 |
| Loan and lease loss provision to assets | 0.0881% | 1,952 |
| Net operating income to assets | 1.4672% | 1,189 |
| Return on assets (ROA) | 1.4672% | 1,217 |
| Pretax return on assets | 2.0241% | 616 |
| Return on Equity (ROE) | 7.1214% | 3,631 |
| Retained earnings to average equity (ytd only) | 7.1214% | 1,994 |
| Net charge-offs to loans | -0.0041% | 3,976 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4402% | 4,864 |
| Assets per employee ($millions) | 6.8271% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 2,911 |
| Loan loss allowance to noncurrent loans | 3,118.8679% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 3,176 |
| Noncurrent loans to loans | 0.0365% | 4,608 |
| Net loans and leases to total assets | 79.2783% | 943 |
| Net loans and leases to deposits | 101.5268% | 523 |
| Net loans and leases to core deposits | 112.4730% | 808 |
| Total domestic deposits to total assets | 78.0860% | 4,500 |
| Equity capital to assets | 21.2087% | 190 |
| Core capital (leverage) ratio | 20.9357% | 199 |
| Tier 1 risk-based capital ratio | 22.9877% | 937 |
| Total risk-based capital ratio | 24.0075% | 940 |
| Memoranda: | ||
| Average total assets | $367,768,000 | 1,886 |
| Average earning assets | $343,681,000 | 1,873 |
| Average equity | $75,772,000 | 1,129 |
| Average total loans | $291,887,500 | 1,660 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 2,604 |
| Cost of funding earning assets | 0.3802% | 4,104 |
| Net interest margin | 4.0714% | 1,766 |
| Noninterest income to average assets | 0.4910% | 2,881 |
| Noninterest expense to average assets | 2.0403% | 4,681 |
| Loan and lease loss provision to assets | 0.0997% | 2,191 |
| Net operating income to assets | 2.1481% | 274 |
| Return on assets (ROA) | 2.1481% | 267 |
| Pretax return on assets | 2.1517% | 396 |
| Return on Equity (ROE) | 10.7436% | 2,186 |
| Retained earnings to average equity (ytd only) | 7.5564% | 1,436 |
| Net charge-offs to loans | -0.0251% | 4,759 |
| Credit loss provision to net charge-offs | -521.7391% | 4,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5403% | 5,063 |
| Assets per employee ($millions) | 7.1865% | 909 |
| Cash dividends to net income (ytd only)* | 29.6659% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 3,113 |
| Loan loss allowance to noncurrent loans | 1,678.1250% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.4100% | 2,914 |
| Noncurrent loans to loans | 0.0654% | 4,458 |
| Net loans and leases to total assets | 77.7066% | 1,321 |
| Net loans and leases to deposits | 98.1067% | 890 |
| Net loans and leases to core deposits | 108.7139% | 1,072 |
| Total domestic deposits to total assets | 79.2062% | 4,264 |
| Equity capital to assets | 20.0170% | 232 |
| Core capital (leverage) ratio | 20.6623% | 211 |
| Tier 1 risk-based capital ratio | 22.3150% | 989 |
| Total risk-based capital ratio | 23.2977% | 1,003 |
| Memoranda: | ||
| Average total assets | $360,925,800 | 1,873 |
| Average earning assets | $336,935,800 | 1,859 |
| Average equity | $72,163,600 | 1,127 |
| Average total loans | $274,486,200 | 1,702 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 2,616 |
| Cost of funding earning assets | 0.3627% | 4,099 |
| Net interest margin | 4.0409% | 1,823 |
| Noninterest income to average assets | 0.4610% | 3,089 |
| Noninterest expense to average assets | 2.0126% | 4,717 |
| Loan and lease loss provision to assets | 0.1342% | 1,495 |
| Net operating income to assets | 2.0853% | 319 |
| Return on assets (ROA) | 2.0853% | 316 |
| Pretax return on assets | 2.0890% | 497 |
| Return on Equity (ROE) | 10.4328% | 2,420 |
| Retained earnings to average equity (ytd only) | 7.4493% | 1,903 |
| Net charge-offs to loans | -0.0450% | 4,893 |
| Credit loss provision to net charge-offs | -395.6044% | 4,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5143% | 5,075 |
| Assets per employee ($millions) | 6.7701% | 1,035 |
| Cash dividends to net income (ytd only)* | 28.5970% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 2,924 |
| Loan loss allowance to noncurrent loans | 20,275.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.4766% | 2,772 |
| Noncurrent loans to loans | 0.0057% | 4,910 |
| Net loans and leases to total assets | 77.9163% | 1,356 |
| Net loans and leases to deposits | 99.0958% | 853 |
| Net loans and leases to core deposits | 106.1054% | 1,303 |
| Total domestic deposits to total assets | 78.6273% | 4,391 |
| Equity capital to assets | 20.3190% | 222 |
| Core capital (leverage) ratio | 20.5687% | 213 |
| Tier 1 risk-based capital ratio | 22.0457% | 1,049 |
| Total risk-based capital ratio | 23.0425% | 1,059 |
| Memoranda: | ||
| Average total assets | $357,732,750 | 1,892 |
| Average earning assets | $334,177,000 | 1,885 |
| Average equity | $71,503,750 | 1,138 |
| Average total loans | $269,705,250 | 1,729 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 2,759 |
| Cost of funding earning assets | 0.3483% | 4,085 |
| Net interest margin | 3.9515% | 2,029 |
| Noninterest income to average assets | 0.4371% | 3,240 |
| Noninterest expense to average assets | 2.0018% | 4,799 |
| Loan and lease loss provision to assets | 0.1343% | 1,467 |
| Net operating income to assets | 1.9873% | 388 |
| Return on assets (ROA) | 1.9873% | 385 |
| Pretax return on assets | 1.9901% | 614 |
| Return on Equity (ROE) | 9.9978% | 2,563 |
| Retained earnings to average equity (ytd only) | 7.7454% | 1,731 |
| Net charge-offs to loans | -0.0671% | 5,023 |
| Credit loss provision to net charge-offs | -269.6629% | 4,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5149% | 5,091 |
| Assets per employee ($millions) | 7.0403% | 903 |
| Cash dividends to net income (ytd only)* | 22.5289% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 2,996 |
| Loan loss allowance to noncurrent loans | 1,815.1163% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.6068% | 2,404 |
| Noncurrent loans to loans | 0.0632% | 4,640 |
| Net loans and leases to total assets | 76.4041% | 1,575 |
| Net loans and leases to deposits | 97.2980% | 1,015 |
| Net loans and leases to core deposits | 104.0055% | 1,397 |
| Total domestic deposits to total assets | 78.5259% | 4,505 |
| Equity capital to assets | 20.4471% | 209 |
| Core capital (leverage) ratio | 20.5862% | 200 |
| Tier 1 risk-based capital ratio | 23.5860% | 872 |
| Total risk-based capital ratio | 24.6309% | 879 |
| Memoranda: | ||
| Average total assets | $357,371,330 | 1,903 |
| Average earning assets | $333,648,670 | 1,894 |
| Average equity | $71,035,670 | 1,143 |
| Average total loans | $265,333,330 | 1,760 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 2,945 |
| Cost of funding earning assets | 0.3393% | 4,070 |
| Net interest margin | 3.8409% | 2,256 |
| Noninterest income to average assets | 0.4910% | 2,862 |
| Noninterest expense to average assets | 2.0064% | 4,836 |
| Loan and lease loss provision to assets | 0.1333% | 1,415 |
| Net operating income to assets | 1.9297% | 426 |
| Return on assets (ROA) | 1.9297% | 427 |
| Pretax return on assets | 1.9353% | 668 |
| Return on Equity (ROE) | 9.8462% | 2,511 |
| Retained earnings to average equity (ytd only) | 9.8462% | 1,209 |
| Net charge-offs to loans | -0.0031% | 3,878 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2366% | 5,123 |
| Assets per employee ($millions) | 7.1573% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 3,377 |
| Loan loss allowance to noncurrent loans | 276.3033% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.8484% | 1,864 |
| Noncurrent loans to loans | 0.3983% | 3,357 |
| Net loans and leases to total assets | 73.1945% | 1,999 |
| Net loans and leases to deposits | 92.4347% | 1,402 |
| Net loans and leases to core deposits | 99.4329% | 1,727 |
| Total domestic deposits to total assets | 79.1851% | 4,550 |
| Equity capital to assets | 19.8475% | 220 |
| Core capital (leverage) ratio | 20.0301% | 212 |
| Tier 1 risk-based capital ratio | 23.5906% | 885 |
| Total risk-based capital ratio | 24.5819% | 888 |
| Memoranda: | ||
| Average total assets | $360,049,500 | 1,899 |
| Average earning assets | $335,961,000 | 1,897 |
| Average equity | $70,565,000 | 1,165 |
| Average total loans | $261,962,000 | 1,788 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 2,885 |
| Cost of funding earning assets | 0.3660% | 3,552 |
| Net interest margin | 3.7832% | 2,487 |
| Noninterest income to average assets | 0.5428% | 2,758 |
| Noninterest expense to average assets | 2.0058% | 4,947 |
| Loan and lease loss provision to assets | 0.1377% | 1,662 |
| Net operating income to assets | 1.9143% | 329 |
| Return on assets (ROA) | 1.9143% | 337 |
| Pretax return on assets | 1.9163% | 585 |
| Return on Equity (ROE) | 9.8835% | 1,942 |
| Retained earnings to average equity (ytd only) | 7.6618% | 872 |
| Net charge-offs to loans | -0.0452% | 5,158 |
| Credit loss provision to net charge-offs | -424.7788% | 4,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4064% | 5,251 |
| Assets per employee ($millions) | 7.3926% | 813 |
| Cash dividends to net income (ytd only)* | 22.4786% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 3,463 |
| Loan loss allowance to noncurrent loans | 341.4425% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7782% | 2,005 |
| Noncurrent loans to loans | 0.3157% | 3,649 |
| Net loans and leases to total assets | 70.7495% | 2,407 |
| Net loans and leases to deposits | 88.8892% | 1,911 |
| Net loans and leases to core deposits | 95.7981% | 2,039 |
| Total domestic deposits to total assets | 79.5929% | 4,418 |
| Equity capital to assets | 19.3529% | 234 |
| Core capital (leverage) ratio | 19.4385% | 215 |
| Tier 1 risk-based capital ratio | 23.2759% | 884 |
| Total risk-based capital ratio | 24.2374% | 894 |
| Memoranda: | ||
| Average total assets | $348,587,400 | 1,926 |
| Average earning assets | $324,060,400 | 1,921 |
| Average equity | $67,516,400 | 1,184 |
| Average total loans | $250,272,800 | 1,813 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 2,982 |
| Cost of funding earning assets | 0.3535% | 3,629 |
| Net interest margin | 3.7457% | 2,590 |
| Noninterest income to average assets | 0.5269% | 2,854 |
| Noninterest expense to average assets | 2.0368% | 4,881 |
| Loan and lease loss provision to assets | 0.1391% | 1,533 |
| Net operating income to assets | 1.8328% | 437 |
| Return on assets (ROA) | 1.8328% | 446 |
| Pretax return on assets | 1.8344% | 811 |
| Return on Equity (ROE) | 9.4609% | 2,377 |
| Retained earnings to average equity (ytd only) | 7.4671% | 1,449 |
| Net charge-offs to loans | -0.0607% | 5,223 |
| Credit loss provision to net charge-offs | -318.5841% | 4,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7898% | 5,191 |
| Assets per employee ($millions) | 7.1018% | 910 |
| Cash dividends to net income (ytd only)* | 21.0748% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 3,844 |
| Loan loss allowance to noncurrent loans | 284.9680% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 1.0189% | 1,659 |
| Noncurrent loans to loans | 0.3649% | 3,646 |
| Net loans and leases to total assets | 71.6434% | 2,308 |
| Net loans and leases to deposits | 90.8857% | 1,701 |
| Net loans and leases to core deposits | 97.2890% | 1,946 |
| Total domestic deposits to total assets | 78.8280% | 4,567 |
| Equity capital to assets | 19.4257% | 251 |
| Core capital (leverage) ratio | 19.3875% | 229 |
| Tier 1 risk-based capital ratio | 23.6258% | 885 |
| Total risk-based capital ratio | 24.5805% | 899 |
| Memoranda: | ||
| Average total assets | $345,175,250 | 1,948 |
| Average earning assets | $321,003,500 | 1,942 |
| Average equity | $66,869,750 | 1,200 |
| Average total loans | $248,072,750 | 1,834 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 2,969 |
| Cost of funding earning assets | 0.3431% | 3,653 |
| Net interest margin | 3.7189% | 2,586 |
| Noninterest income to average assets | 0.4674% | 3,238 |
| Noninterest expense to average assets | 2.0903% | 4,789 |
| Loan and lease loss provision to assets | 0.1404% | 1,462 |
| Net operating income to assets | 1.6837% | 581 |
| Return on assets (ROA) | 1.6837% | 594 |
| Pretax return on assets | 1.6860% | 1,090 |
| Return on Equity (ROE) | 8.6992% | 2,669 |
| Retained earnings to average equity (ytd only) | 7.1879% | 1,503 |
| Net charge-offs to loans | -0.0579% | 5,239 |
| Credit loss provision to net charge-offs | -338.0282% | 4,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3682% | 5,066 |
| Assets per employee ($millions) | 6.9322% | 962 |
| Cash dividends to net income (ytd only)* | 17.3732% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 4,021 |
| Loan loss allowance to noncurrent loans | 245.6947% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 1.1119% | 1,563 |
| Noncurrent loans to loans | 0.4158% | 3,529 |
| Net loans and leases to total assets | 70.1957% | 2,497 |
| Net loans and leases to deposits | 89.4240% | 1,811 |
| Net loans and leases to core deposits | 96.2924% | 1,957 |
| Total domestic deposits to total assets | 78.4976% | 4,731 |
| Equity capital to assets | 19.5486% | 241 |
| Core capital (leverage) ratio | 19.7258% | 212 |
| Tier 1 risk-based capital ratio | 24.1356% | 840 |
| Total risk-based capital ratio | 25.0722% | 854 |
| Memoranda: | ||
| Average total assets | $341,869,670 | 1,969 |
| Average earning assets | $317,084,330 | 1,970 |
| Average equity | $66,166,670 | 1,210 |
| Average total loans | $245,072,670 | 1,853 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 2,848 |
| Cost of funding earning assets | 0.3365% | 3,680 |
| Net interest margin | 3.7151% | 2,440 |
| Noninterest income to average assets | 0.5172% | 2,854 |
| Noninterest expense to average assets | 2.1384% | 4,777 |
| Loan and lease loss provision to assets | 0.1414% | 1,334 |
| Net operating income to assets | 1.6848% | 570 |
| Return on assets (ROA) | 1.6848% | 583 |
| Pretax return on assets | 1.6848% | 1,038 |
| Return on Equity (ROE) | 8.7500% | 2,540 |
| Retained earnings to average equity (ytd only) | 8.7500% | 1,167 |
| Net charge-offs to loans | -0.0180% | 4,686 |
| Credit loss provision to net charge-offs | -1,090.9091% | 4,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9376% | 5,130 |
| Assets per employee ($millions) | 6.3205% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 4,587 |
| Loan loss allowance to noncurrent loans | 685.5882% | 809 |
| Noncurrent assets plus other real estate owned to assets | 1.0141% | 1,799 |
| Noncurrent loans to loans | 0.1376% | 4,642 |
| Net loans and leases to total assets | 73.0822% | 1,898 |
| Net loans and leases to deposits | 92.9488% | 1,229 |
| Net loans and leases to core deposits | 101.1519% | 1,431 |
| Total domestic deposits to total assets | 78.6263% | 4,891 |
| Equity capital to assets | 19.7793% | 220 |
| Core capital (leverage) ratio | 19.3133% | 223 |
| Tier 1 risk-based capital ratio | 22.9864% | 982 |
| Total risk-based capital ratio | 23.8282% | 1,002 |
| Memoranda: | ||
| Average total assets | $339,500,500 | 1,992 |
| Average earning assets | $315,039,000 | 1,997 |
| Average equity | $65,371,500 | 1,220 |
| Average total loans | $244,701,500 | 1,867 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 2,684 |
| Cost of funding earning assets | 0.3083% | 3,975 |
| Net interest margin | 3.8348% | 2,189 |
| Noninterest income to average assets | 0.5452% | 2,945 |
| Noninterest expense to average assets | 2.2254% | 4,712 |
| Loan and lease loss provision to assets | 0.1098% | 2,227 |
| Net operating income to assets | 1.7653% | 473 |
| Return on assets (ROA) | 1.7653% | 494 |
| Pretax return on assets | 1.7677% | 861 |
| Return on Equity (ROE) | 9.0683% | 2,384 |
| Retained earnings to average equity (ytd only) | 6.7186% | 1,346 |
| Net charge-offs to loans | 0.2598% | 1,068 |
| Credit loss provision to net charge-offs | 59.2105% | 3,260 |
| Earnings coverage of net charge-offs (x) | 10.1266% | 2,672 |
| Efficiency ratio | 54.2401% | 5,227 |
| Assets per employee ($millions) | 6.6157% | 1,096 |
| Cash dividends to net income (ytd only)* | 25.9112% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 4,756 |
| Loan loss allowance to noncurrent loans | 31,428.5714% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.9075% | 2,093 |
| Noncurrent loans to loans | 0.0029% | 5,307 |
| Net loans and leases to total assets | 69.7809% | 2,517 |
| Net loans and leases to deposits | 88.0381% | 1,921 |
| Net loans and leases to core deposits | 96.1401% | 1,914 |
| Total domestic deposits to total assets | 79.2622% | 4,732 |
| Equity capital to assets | 18.7449% | 258 |
| Core capital (leverage) ratio | 19.2688% | 216 |
| Tier 1 risk-based capital ratio | 24.5117% | 815 |
| Total risk-based capital ratio | 25.3793% | 830 |
| Memoranda: | ||
| Average total assets | $327,936,200 | 2,015 |
| Average earning assets | $304,236,200 | 2,014 |
| Average equity | $63,837,800 | 1,232 |
| Average total loans | $233,997,400 | 1,877 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 2,703 |
| Cost of funding earning assets | 0.3107% | 3,968 |
| Net interest margin | 3.8343% | 2,213 |
| Noninterest income to average assets | 0.5705% | 2,809 |
| Noninterest expense to average assets | 2.2692% | 4,603 |
| Loan and lease loss provision to assets | 0.1111% | 2,074 |
| Net operating income to assets | 1.7498% | 538 |
| Return on assets (ROA) | 1.7498% | 567 |
| Pretax return on assets | 1.7514% | 998 |
| Return on Equity (ROE) | 8.9011% | 2,553 |
| Retained earnings to average equity (ytd only) | 6.8072% | 1,717 |
| Net charge-offs to loans | -0.0012% | 4,447 |
| Credit loss provision to net charge-offs | -13,500.0000% | 5,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9213% | 5,163 |
| Assets per employee ($millions) | 5.8528% | 1,543 |
| Cash dividends to net income (ytd only)* | 23.5239% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 3,675 |
| Loan loss allowance to noncurrent loans | 681.7043% | 821 |
| Noncurrent assets plus other real estate owned to assets | 1.1907% | 1,675 |
| Noncurrent loans to loans | 0.1658% | 4,695 |
| Net loans and leases to total assets | 73.9306% | 1,878 |
| Net loans and leases to deposits | 95.1944% | 1,126 |
| Net loans and leases to core deposits | 102.0103% | 1,480 |
| Total domestic deposits to total assets | 77.6628% | 4,971 |
| Equity capital to assets | 20.2804% | 218 |
| Core capital (leverage) ratio | 19.7472% | 204 |
| Tier 1 risk-based capital ratio | 24.9526% | 818 |
| Total risk-based capital ratio | 26.0561% | 819 |
| Memoranda: | ||
| Average total assets | $323,916,750 | 2,045 |
| Average earning assets | $300,854,000 | 2,040 |
| Average equity | $63,676,000 | 1,244 |
| Average total loans | $231,932,750 | 1,895 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1026% | 2,845 |
| Cost of funding earning assets | 0.3183% | 3,917 |
| Net interest margin | 3.7843% | 2,388 |
| Noninterest income to average assets | 0.6772% | 2,247 |
| Noninterest expense to average assets | 2.2817% | 4,659 |
| Loan and lease loss provision to assets | 0.1109% | 2,025 |
| Net operating income to assets | 1.7992% | 475 |
| Return on assets (ROA) | 1.7992% | 501 |
| Pretax return on assets | 1.8004% | 879 |
| Return on Equity (ROE) | 9.2492% | 2,379 |
| Retained earnings to average equity (ytd only) | 7.6655% | 1,304 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4159% | 5,276 |
| Assets per employee ($millions) | 5.9337% | 1,447 |
| Cash dividends to net income (ytd only)* | 17.1233% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,992 |
| Loan loss allowance to noncurrent loans | 615.4567% | 896 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 1,542 |
| Noncurrent loans to loans | 0.1772% | 4,724 |
| Net loans and leases to total assets | 73.0438% | 2,004 |
| Net loans and leases to deposits | 96.2238% | 1,059 |
| Net loans and leases to core deposits | 103.1680% | 1,385 |
| Total domestic deposits to total assets | 75.9104% | 5,299 |
| Equity capital to assets | 19.8807% | 225 |
| Core capital (leverage) ratio | 19.4295% | 212 |
| Tier 1 risk-based capital ratio | 23.1742% | 994 |
| Total risk-based capital ratio | 24.1785% | 1,005 |
| Memoranda: | ||
| Average total assets | $324,588,330 | 2,049 |
| Average earning assets | $301,564,000 | 2,049 |
| Average equity | $63,140,330 | 1,252 |
| Average total loans | $229,009,000 | 1,922 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 3,086 |
| Cost of funding earning assets | 0.3112% | 4,046 |
| Net interest margin | 3.7252% | 2,571 |
| Noninterest income to average assets | 0.4930% | 3,171 |
| Noninterest expense to average assets | 2.3268% | 4,586 |
| Loan and lease loss provision to assets | 0.1112% | 1,873 |
| Net operating income to assets | 1.5162% | 830 |
| Return on assets (ROA) | 1.5162% | 871 |
| Pretax return on assets | 1.5162% | 1,535 |
| Return on Equity (ROE) | 7.8818% | 2,985 |
| Retained earnings to average equity (ytd only) | 7.8818% | 1,510 |
| Net charge-offs to loans | 0.0108% | 2,761 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 219.5000% | 279 |
| Efficiency ratio | 58.8438% | 4,895 |
| Assets per employee ($millions) | 6.2046% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 4,181 |
| Loan loss allowance to noncurrent loans | 575.4545% | 901 |
| Noncurrent assets plus other real estate owned to assets | 1.3464% | 1,576 |
| Noncurrent loans to loans | 0.1873% | 4,738 |
| Net loans and leases to total assets | 72.0273% | 2,033 |
| Net loans and leases to deposits | 97.0309% | 844 |
| Net loans and leases to core deposits | 104.5192% | 1,157 |
| Total domestic deposits to total assets | 74.2313% | 5,597 |
| Equity capital to assets | 19.5301% | 233 |
| Core capital (leverage) ratio | 19.3230% | 221 |
| Tier 1 risk-based capital ratio | 23.7725% | 935 |
| Total risk-based capital ratio | 24.7854% | 953 |
| Memoranda: | ||
| Average total assets | $323,706,500 | 2,063 |
| Average earning assets | $300,763,000 | 2,056 |
| Average equity | $62,270,000 | 1,259 |
| Average total loans | $223,009,500 | 1,961 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 2,777 |
| Cost of funding earning assets | 0.3197% | 4,036 |
| Net interest margin | 3.8197% | 2,308 |
| Noninterest income to average assets | 0.6933% | 2,239 |
| Noninterest expense to average assets | 2.2083% | 5,033 |
| Loan and lease loss provision to assets | 0.1131% | 2,115 |
| Net operating income to assets | 1.9161% | 398 |
| Return on assets (ROA) | 1.9161% | 409 |
| Pretax return on assets | 1.9167% | 645 |
| Return on Equity (ROE) | 10.3384% | 1,869 |
| Retained earnings to average equity (ytd only) | 7.7949% | 983 |
| Net charge-offs to loans | 0.3752% | 774 |
| Credit loss provision to net charge-offs | 45.6274% | 3,461 |
| Earnings coverage of net charge-offs (x) | 8.1863% | 2,988 |
| Efficiency ratio | 52.1059% | 5,629 |
| Assets per employee ($millions) | 6.1278% | 1,301 |
| Cash dividends to net income (ytd only)* | 24.6023% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 3,704 |
| Loan loss allowance to noncurrent loans | 585.6459% | 937 |
| Noncurrent assets plus other real estate owned to assets | 1.4195% | 1,473 |
| Noncurrent loans to loans | 0.1980% | 4,702 |
| Net loans and leases to total assets | 64.2449% | 3,240 |
| Net loans and leases to deposits | 83.1023% | 2,463 |
| Net loans and leases to core deposits | 89.1907% | 2,478 |
| Total domestic deposits to total assets | 77.3082% | 5,274 |
| Equity capital to assets | 18.9449% | 253 |
| Core capital (leverage) ratio | 18.4538% | 266 |
| Tier 1 risk-based capital ratio | 25.2664% | 796 |
| Total risk-based capital ratio | 26.3296% | 797 |
| Memoranda: | ||
| Average total assets | $318,202,200 | 2,055 |
| Average earning assets | $295,314,800 | 2,047 |
| Average equity | $58,974,400 | 1,276 |
| Average total loans | $210,314,000 | 1,993 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1176% | 2,869 |
| Cost of funding earning assets | 0.3247% | 4,049 |
| Net interest margin | 3.7929% | 2,414 |
| Noninterest income to average assets | 0.7223% | 2,138 |
| Noninterest expense to average assets | 2.2319% | 4,963 |
| Loan and lease loss provision to assets | 0.1137% | 1,985 |
| Net operating income to assets | 1.8932% | 432 |
| Return on assets (ROA) | 1.8932% | 453 |
| Pretax return on assets | 1.8941% | 736 |
| Return on Equity (ROE) | 10.2736% | 1,985 |
| Retained earnings to average equity (ytd only) | 6.8452% | 1,764 |
| Net charge-offs to loans | 0.1618% | 1,532 |
| Credit loss provision to net charge-offs | 105.8824% | 2,173 |
| Earnings coverage of net charge-offs (x) | 18.6942% | 1,986 |
| Efficiency ratio | 52.6426% | 5,607 |
| Assets per employee ($millions) | 6.0825% | 1,310 |
| Cash dividends to net income (ytd only)* | 33.3704% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 2,860 |
| Loan loss allowance to noncurrent loans | 396.7078% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 1.4065% | 1,635 |
| Noncurrent loans to loans | 0.3400% | 4,398 |
| Net loans and leases to total assets | 65.6196% | 3,072 |
| Net loans and leases to deposits | 84.3796% | 2,362 |
| Net loans and leases to core deposits | 90.3777% | 2,426 |
| Total domestic deposits to total assets | 77.7672% | 5,228 |
| Equity capital to assets | 18.5579% | 302 |
| Core capital (leverage) ratio | 18.3898% | 276 |
| Tier 1 risk-based capital ratio | 23.6971% | 979 |
| Total risk-based capital ratio | 24.9025% | 970 |
| Memoranda: | ||
| Average total assets | $316,559,500 | 2,079 |
| Average earning assets | $293,560,000 | 2,067 |
| Average equity | $58,336,000 | 1,299 |
| Average total loans | $210,118,000 | 2,004 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 2,816 |
| Cost of funding earning assets | 0.3305% | 4,044 |
| Net interest margin | 3.7922% | 2,350 |
| Noninterest income to average assets | 0.6859% | 2,275 |
| Noninterest expense to average assets | 2.2713% | 4,920 |
| Loan and lease loss provision to assets | 0.1144% | 1,927 |
| Net operating income to assets | 1.7996% | 517 |
| Return on assets (ROA) | 1.7996% | 539 |
| Pretax return on assets | 1.8009% | 894 |
| Return on Equity (ROE) | 9.7891% | 2,163 |
| Retained earnings to average equity (ytd only) | 6.3313% | 2,042 |
| Net charge-offs to loans | 0.2454% | 1,060 |
| Credit loss provision to net charge-offs | 70.3125% | 2,461 |
| Earnings coverage of net charge-offs (x) | 11.7695% | 2,262 |
| Efficiency ratio | 54.2514% | 5,561 |
| Assets per employee ($millions) | 5.6990% | 1,571 |
| Cash dividends to net income (ytd only)* | 35.3232% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 3,110 |
| Loan loss allowance to noncurrent loans | 311.9154% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 1.4484% | 1,717 |
| Noncurrent loans to loans | 0.4248% | 4,204 |
| Net loans and leases to total assets | 66.5503% | 2,859 |
| Net loans and leases to deposits | 85.6257% | 2,088 |
| Net loans and leases to core deposits | 91.5140% | 2,195 |
| Total domestic deposits to total assets | 77.7223% | 5,330 |
| Equity capital to assets | 18.5446% | 294 |
| Core capital (leverage) ratio | 18.5500% | 260 |
| Tier 1 risk-based capital ratio | 21.2824% | 1,311 |
| Total risk-based capital ratio | 22.3531% | 1,317 |
| Memoranda: | ||
| Average total assets | $314,622,670 | 2,103 |
| Average earning assets | $290,438,000 | 2,107 |
| Average equity | $57,839,670 | 1,313 |
| Average total loans | $208,680,670 | 2,024 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1919% | 2,489 |
| Cost of funding earning assets | 0.3528% | 3,827 |
| Net interest margin | 3.8390% | 2,102 |
| Noninterest income to average assets | 0.6738% | 2,285 |
| Noninterest expense to average assets | 2.3045% | 4,869 |
| Loan and lease loss provision to assets | 0.1142% | 1,811 |
| Net operating income to assets | 1.7207% | 566 |
| Return on assets (ROA) | 1.7207% | 595 |
| Pretax return on assets | 1.7207% | 1,011 |
| Return on Equity (ROE) | 9.4010% | 2,266 |
| Retained earnings to average equity (ytd only) | 9.4010% | 1,069 |
| Net charge-offs to loans | -0.1524% | 5,984 |
| Credit loss provision to net charge-offs | -113.9241% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6714% | 5,542 |
| Assets per employee ($millions) | 5.8279% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 2,513 |
| Loan loss allowance to noncurrent loans | 241.3629% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 2.3018% | 973 |
| Noncurrent loans to loans | 0.6150% | 3,731 |
| Net loans and leases to total assets | 64.2365% | 3,060 |
| Net loans and leases to deposits | 82.6587% | 2,251 |
| Net loans and leases to core deposits | 90.2402% | 2,105 |
| Total domestic deposits to total assets | 77.7128% | 5,500 |
| Equity capital to assets | 18.5796% | 288 |
| Core capital (leverage) ratio | 18.0375% | 281 |
| Tier 1 risk-based capital ratio | 23.8931% | 1,007 |
| Total risk-based capital ratio | 25.1639% | 991 |
| Memoranda: | ||
| Average total assets | $315,212,000 | 2,112 |
| Average earning assets | $284,550,500 | 2,146 |
| Average equity | $57,696,000 | 1,321 |
| Average total loans | $207,321,500 | 2,033 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 1,942 |
| Cost of funding earning assets | 0.4169% | 3,514 |
| Net interest margin | 4.0660% | 1,692 |
| Noninterest income to average assets | 0.3668% | 4,458 |
| Noninterest expense to average assets | 2.4321% | 4,754 |
| Loan and lease loss provision to assets | 0.1978% | 1,289 |
| Net operating income to assets | 1.4123% | 1,057 |
| Return on assets (ROA) | 1.4123% | 1,085 |
| Pretax return on assets | 1.4143% | 1,838 |
| Return on Equity (ROE) | 7.7884% | 3,230 |
| Retained earnings to average equity (ytd only) | 5.9708% | 1,947 |
| Net charge-offs to loans | 0.2152% | 1,945 |
| Credit loss provision to net charge-offs | 133.3333% | 1,779 |
| Earnings coverage of net charge-offs (x) | 10.8689% | 2,576 |
| Efficiency ratio | 60.1385% | 5,204 |
| Assets per employee ($millions) | 5.8466% | 1,490 |
| Cash dividends to net income (ytd only)* | 23.3372% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 3,074 |
| Loan loss allowance to noncurrent loans | 133.1944% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 2.6856% | 827 |
| Noncurrent loans to loans | 1.0313% | 2,763 |
| Net loans and leases to total assets | 65.4267% | 2,985 |
| Net loans and leases to deposits | 83.7241% | 2,246 |
| Net loans and leases to core deposits | 93.6093% | 1,943 |
| Total domestic deposits to total assets | 78.1457% | 5,410 |
| Equity capital to assets | 18.0291% | 312 |
| Core capital (leverage) ratio | 17.7461% | 304 |
| Tier 1 risk-based capital ratio | 22.9280% | 1,098 |
| Total risk-based capital ratio | 24.1514% | 1,075 |
| Memoranda: | ||
| Average total assets | $303,400,000 | 2,143 |
| Average earning assets | $274,394,200 | 2,167 |
| Average equity | $55,017,400 | 1,328 |
| Average total loans | $209,138,000 | 1,980 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5439% | 1,719 |
| Cost of funding earning assets | 0.4359% | 3,407 |
| Net interest margin | 4.1080% | 1,557 |
| Noninterest income to average assets | 0.5194% | 3,410 |
| Noninterest expense to average assets | 2.4653% | 4,631 |
| Loan and lease loss provision to assets | 0.1998% | 1,192 |
| Net operating income to assets | 1.5654% | 815 |
| Return on assets (ROA) | 1.5654% | 852 |
| Pretax return on assets | 1.5654% | 1,433 |
| Return on Equity (ROE) | 8.6195% | 2,893 |
| Retained earnings to average equity (ytd only) | 6.1750% | 2,288 |
| Net charge-offs to loans | 0.2927% | 1,344 |
| Credit loss provision to net charge-offs | 98.0392% | 2,274 |
| Earnings coverage of net charge-offs (x) | 8.6624% | 2,765 |
| Efficiency ratio | 58.2747% | 5,408 |
| Assets per employee ($millions) | 5.6763% | 1,578 |
| Cash dividends to net income (ytd only)* | 28.3607% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 3,651 |
| Loan loss allowance to noncurrent loans | 95.0017% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 3.1593% | 722 |
| Noncurrent loans to loans | 1.3676% | 2,368 |
| Net loans and leases to total assets | 66.1364% | 2,844 |
| Net loans and leases to deposits | 84.4913% | 2,090 |
| Net loans and leases to core deposits | 92.5623% | 1,990 |
| Total domestic deposits to total assets | 78.2760% | 5,471 |
| Equity capital to assets | 18.0048% | 336 |
| Core capital (leverage) ratio | 17.5128% | 324 |
| Tier 1 risk-based capital ratio | 22.2549% | 1,227 |
| Total risk-based capital ratio | 23.3939% | 1,226 |
| Memoranda: | ||
| Average total assets | $300,320,500 | 2,174 |
| Average earning assets | $271,301,250 | 2,202 |
| Average equity | $54,541,500 | 1,348 |
| Average total loans | $209,062,250 | 1,993 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5897% | 1,559 |
| Cost of funding earning assets | 0.4656% | 3,155 |
| Net interest margin | 4.1242% | 1,439 |
| Noninterest income to average assets | 0.6161% | 2,732 |
| Noninterest expense to average assets | 2.5422% | 4,449 |
| Loan and lease loss provision to assets | 0.2025% | 1,184 |
| Net operating income to assets | 1.5839% | 735 |
| Return on assets (ROA) | 1.5839% | 767 |
| Pretax return on assets | 1.5839% | 1,295 |
| Return on Equity (ROE) | 8.6950% | 2,731 |
| Retained earnings to average equity (ytd only) | 6.8426% | 1,845 |
| Net charge-offs to loans | 0.0832% | 2,857 |
| Credit loss provision to net charge-offs | 344.8276% | 771 |
| Earnings coverage of net charge-offs (x) | 30.4253% | 1,250 |
| Efficiency ratio | 58.7309% | 5,466 |
| Assets per employee ($millions) | 5.6242% | 1,590 |
| Cash dividends to net income (ytd only)* | 21.3038% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 3,496 |
| Loan loss allowance to noncurrent loans | 75.0958% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 3.6506% | 624 |
| Noncurrent loans to loans | 1.8217% | 1,884 |
| Net loans and leases to total assets | 69.7928% | 2,124 |
| Net loans and leases to deposits | 90.3209% | 1,340 |
| Net loans and leases to core deposits | 98.3751% | 1,416 |
| Total domestic deposits to total assets | 77.2721% | 5,765 |
| Equity capital to assets | 18.2621% | 315 |
| Core capital (leverage) ratio | 18.1113% | 290 |
| Tier 1 risk-based capital ratio | 21.9082% | 1,271 |
| Total risk-based capital ratio | 23.1340% | 1,250 |
| Memoranda: | ||
| Average total assets | $296,362,670 | 2,193 |
| Average earning assets | $266,768,670 | 2,231 |
| Average equity | $53,985,330 | 1,346 |
| Average total loans | $209,019,000 | 1,985 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 1,580 |
| Cost of funding earning assets | 0.4903% | 3,010 |
| Net interest margin | 4.0819% | 1,517 |
| Noninterest income to average assets | 0.5426% | 3,098 |
| Noninterest expense to average assets | 2.7073% | 3,911 |
| Loan and lease loss provision to assets | 0.2050% | 1,130 |
| Net operating income to assets | 1.3051% | 1,198 |
| Return on assets (ROA) | 1.3051% | 1,244 |
| Pretax return on assets | 1.3051% | 2,071 |
| Return on Equity (ROE) | 7.1742% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.1742% | 1,948 |
| Net charge-offs to loans | 0.0349% | 2,900 |
| Credit loss provision to net charge-offs | 833.3333% | 359 |
| Earnings coverage of net charge-offs (x) | 61.3889% | 645 |
| Efficiency ratio | 64.1931% | 4,831 |
| Assets per employee ($millions) | 5.1787% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 3,741 |
| Loan loss allowance to noncurrent loans | 60.1262% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 4.3908% | 507 |
| Noncurrent loans to loans | 2.2800% | 1,572 |
| Net loans and leases to total assets | 69.6840% | 1,945 |
| Net loans and leases to deposits | 92.6709% | 904 |
| Net loans and leases to core deposits | 99.0299% | 1,175 |
| Total domestic deposits to total assets | 75.1950% | 6,141 |
| Equity capital to assets | 18.3131% | 305 |
| Core capital (leverage) ratio | 18.0597% | 304 |
| Tier 1 risk-based capital ratio | 22.0630% | 1,284 |
| Total risk-based capital ratio | 23.2845% | 1,266 |
| Memoranda: | ||
| Average total assets | $292,691,000 | 2,218 |
| Average earning assets | $263,505,000 | 2,261 |
| Average equity | $53,246,500 | 1,368 |
| Average total loans | $206,076,000 | 2,002 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 1,382 |
| Cost of funding earning assets | 0.5589% | 3,033 |
| Net interest margin | 4.2106% | 1,323 |
| Noninterest income to average assets | 0.7812% | 2,158 |
| Noninterest expense to average assets | 2.8324% | 3,605 |
| Loan and lease loss provision to assets | 0.2318% | 1,556 |
| Net operating income to assets | 1.4872% | 847 |
| Return on assets (ROA) | 1.4872% | 891 |
| Pretax return on assets | 1.4872% | 1,485 |
| Return on Equity (ROE) | 8.3697% | 2,842 |
| Retained earnings to average equity (ytd only) | 3.8200% | 3,487 |
| Net charge-offs to loans | 0.1061% | 3,769 |
| Credit loss provision to net charge-offs | 327.0142% | 705 |
| Earnings coverage of net charge-offs (x) | 24.2559% | 1,372 |
| Efficiency ratio | 62.2316% | 5,174 |
| Assets per employee ($millions) | 5.0034% | 2,175 |
| Cash dividends to net income (ytd only)* | 54.3586% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 3,945 |
| Loan loss allowance to noncurrent loans | 59.6629% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 4.4191% | 579 |
| Noncurrent loans to loans | 2.2442% | 1,729 |
| Net loans and leases to total assets | 69.2186% | 2,140 |
| Net loans and leases to deposits | 89.1614% | 1,322 |
| Net loans and leases to core deposits | 94.8977% | 1,533 |
| Total domestic deposits to total assets | 77.6330% | 5,880 |
| Equity capital to assets | 18.0689% | 315 |
| Core capital (leverage) ratio | 17.3664% | 341 |
| Tier 1 risk-based capital ratio | 22.2937% | 1,205 |
| Total risk-based capital ratio | 23.4936% | 1,196 |
| Memoranda: | ||
| Average total assets | $297,730,800 | 2,157 |
| Average earning assets | $266,586,200 | 2,209 |
| Average equity | $52,905,400 | 1,341 |
| Average total loans | $198,786,600 | 2,015 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 1,957 |
| Cost of funding earning assets | 0.5738% | 3,058 |
| Net interest margin | 4.0087% | 1,910 |
| Noninterest income to average assets | 0.9172% | 1,698 |
| Noninterest expense to average assets | 2.6559% | 4,175 |
| Loan and lease loss provision to assets | 0.2535% | 1,406 |
| Net operating income to assets | 1.5702% | 795 |
| Return on assets (ROA) | 1.5702% | 842 |
| Pretax return on assets | 1.5702% | 1,414 |
| Return on Equity (ROE) | 8.8579% | 2,708 |
| Retained earnings to average equity (ytd only) | 5.9975% | 2,404 |
| Net charge-offs to loans | 0.1720% | 2,848 |
| Credit loss provision to net charge-offs | 229.5918% | 1,060 |
| Earnings coverage of net charge-offs (x) | 16.5151% | 1,800 |
| Efficiency ratio | 59.2881% | 5,526 |
| Assets per employee ($millions) | 5.2704% | 1,869 |
| Cash dividends to net income (ytd only)* | 32.2928% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 5,554 |
| Loan loss allowance to noncurrent loans | 37.4308% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 5.8069% | 431 |
| Noncurrent loans to loans | 2.7797% | 1,506 |
| Net loans and leases to total assets | 65.0876% | 2,785 |
| Net loans and leases to deposits | 82.7776% | 2,035 |
| Net loans and leases to core deposits | 88.0131% | 2,191 |
| Total domestic deposits to total assets | 78.6295% | 5,810 |
| Equity capital to assets | 17.6862% | 355 |
| Core capital (leverage) ratio | 17.3254% | 353 |
| Tier 1 risk-based capital ratio | 21.8321% | 1,346 |
| Total risk-based capital ratio | 22.7238% | 1,380 |
| Memoranda: | ||
| Average total assets | $236,652,000 | 2,668 |
| Average earning assets | $210,306,500 | 2,738 |
| Average equity | $41,950,000 | 1,684 |
| Average total loans | $151,973,000 | 2,543 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6239% | 1,770 |
| Cost of funding earning assets | 0.5623% | 3,285 |
| Net interest margin | 4.0616% | 1,659 |
| Noninterest income to average assets | 1.0064% | 1,518 |
| Noninterest expense to average assets | 2.5178% | 4,662 |
| Loan and lease loss provision to assets | 0.2537% | 1,461 |
| Net operating income to assets | 1.8454% | 470 |
| Return on assets (ROA) | 1.8454% | 505 |
| Pretax return on assets | 1.8454% | 831 |
| Return on Equity (ROE) | 10.4025% | 2,041 |
| Retained earnings to average equity (ytd only) | 8.4956% | 1,290 |
| Net charge-offs to loans | 0.1846% | 2,649 |
| Credit loss provision to net charge-offs | 215.8273% | 1,123 |
| Earnings coverage of net charge-offs (x) | 17.8561% | 1,582 |
| Efficiency ratio | 54.5338% | 6,101 |
| Assets per employee ($millions) | 4.8150% | 2,350 |
| Cash dividends to net income (ytd only)* | 18.3318% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 5,687 |
| Loan loss allowance to noncurrent loans | 48.8506% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 5.7732% | 486 |
| Noncurrent loans to loans | 2.1190% | 2,261 |
| Net loans and leases to total assets | 63.2906% | 3,050 |
| Net loans and leases to deposits | 80.8932% | 2,199 |
| Net loans and leases to core deposits | 87.2862% | 2,196 |
| Total domestic deposits to total assets | 78.2397% | 5,937 |
| Equity capital to assets | 18.1089% | 320 |
| Core capital (leverage) ratio | 17.7755% | 299 |
| Tier 1 risk-based capital ratio | 22.3901% | 1,224 |
| Total risk-based capital ratio | 23.2565% | 1,260 |
| Memoranda: | ||
| Average total assets | $236,480,000 | 2,678 |
| Average earning assets | $210,212,330 | 2,742 |
| Average equity | $41,951,330 | 1,688 |
| Average total loans | $150,634,000 | 2,566 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 1,484 |
| Cost of funding earning assets | 0.5467% | 3,604 |
| Net interest margin | 4.1724% | 1,272 |
| Noninterest income to average assets | 1.0069% | 1,442 |
| Noninterest expense to average assets | 2.5690% | 4,506 |
| Loan and lease loss provision to assets | 0.2509% | 1,432 |
| Net operating income to assets | 1.9016% | 405 |
| Return on assets (ROA) | 1.9016% | 444 |
| Pretax return on assets | 1.9016% | 736 |
| Return on Equity (ROE) | 10.8284% | 1,755 |
| Retained earnings to average equity (ytd only) | 10.8284% | 909 |
| Net charge-offs to loans | 0.3157% | 1,704 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 10.7250% | 1,717 |
| Efficiency ratio | 54.4102% | 6,195 |
| Assets per employee ($millions) | 4.8745% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 6,152 |
| Loan loss allowance to noncurrent loans | 40.7753% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 5.7442% | 584 |
| Noncurrent loans to loans | 2.3150% | 2,261 |
| Net loans and leases to total assets | 62.7459% | 2,931 |
| Net loans and leases to deposits | 79.8218% | 2,099 |
| Net loans and leases to core deposits | 89.0280% | 1,800 |
| Total domestic deposits to total assets | 78.6075% | 6,030 |
| Equity capital to assets | 18.1332% | 321 |
| Core capital (leverage) ratio | 17.3337% | 325 |
| Tier 1 risk-based capital ratio | 22.1075% | 1,312 |
| Total risk-based capital ratio | 22.9052% | 1,366 |
| Memoranda: | ||
| Average total assets | $239,161,000 | 2,680 |
| Average earning assets | $212,921,500 | 2,734 |
| Average equity | $42,000,500 | 1,703 |
| Average total loans | $152,048,000 | 2,555 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 1,783 |
| Cost of funding earning assets | 0.8323% | 2,407 |
| Net interest margin | 4.0843% | 2,064 |
| Noninterest income to average assets | 0.9294% | 1,774 |
| Noninterest expense to average assets | 3.2106% | 2,575 |
| Loan and lease loss provision to assets | 0.3197% | 2,134 |
| Net operating income to assets | 1.1181% | 1,876 |
| Return on assets (ROA) | 1.1181% | 2,043 |
| Pretax return on assets | 1.1181% | 3,086 |
| Return on Equity (ROE) | 6.7078% | 3,809 |
| Retained earnings to average equity (ytd only) | -0.0834% | 5,859 |
| Net charge-offs to loans | 1.7996% | 452 |
| Credit loss provision to net charge-offs | 25.7682% | 5,191 |
| Earnings coverage of net charge-offs (x) | 1.1588% | 4,883 |
| Efficiency ratio | 69.0678% | 3,964 |
| Assets per employee ($millions) | 5.5534% | 1,636 |
| Cash dividends to net income (ytd only)* | 101.2433% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 6,315 |
| Loan loss allowance to noncurrent loans | 35.6510% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 5.6375% | 653 |
| Noncurrent loans to loans | 2.4633% | 2,156 |
| Net loans and leases to total assets | 63.2373% | 3,013 |
| Net loans and leases to deposits | 79.6165% | 2,343 |
| Net loans and leases to core deposits | 90.5808% | 1,767 |
| Total domestic deposits to total assets | 79.4273% | 5,798 |
| Equity capital to assets | 17.0143% | 413 |
| Core capital (leverage) ratio | 16.6430% | 386 |
| Tier 1 risk-based capital ratio | 21.2182% | 1,411 |
| Total risk-based capital ratio | 21.5946% | 1,568 |
| Memoranda: | ||
| Average total assets | $251,763,400 | 2,514 |
| Average earning assets | $229,244,200 | 2,520 |
| Average equity | $41,966,200 | 1,662 |
| Average total loans | $173,596,400 | 2,274 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9746% | 1,761 |
| Cost of funding earning assets | 0.9077% | 2,122 |
| Net interest margin | 4.0669% | 2,219 |
| Noninterest income to average assets | 0.9868% | 1,541 |
| Noninterest expense to average assets | 3.3735% | 2,073 |
| Loan and lease loss provision to assets | 0.2366% | 2,686 |
| Net operating income to assets | 1.0982% | 2,090 |
| Return on assets (ROA) | 1.0982% | 2,294 |
| Pretax return on assets | 1.0982% | 3,358 |
| Return on Equity (ROE) | 6.6214% | 4,004 |
| Retained earnings to average equity (ytd only) | 1.0745% | 5,738 |
| Net charge-offs to loans | 0.5018% | 2,113 |
| Credit loss provision to net charge-offs | 67.1642% | 3,972 |
| Earnings coverage of net charge-offs (x) | 3.7896% | 3,510 |
| Efficiency ratio | 71.6503% | 3,384 |
| Assets per employee ($millions) | 5.0115% | 2,171 |
| Cash dividends to net income (ytd only)* | 83.7724% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0831% | 1,950 |
| Loan loss allowance to noncurrent loans | 27.7684% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 7.4081% | 455 |
| Noncurrent loans to loans | 7.5016% | 446 |
| Net loans and leases to total assets | 69.2092% | 2,070 |
| Net loans and leases to deposits | 89.6140% | 1,196 |
| Net loans and leases to core deposits | 103.0833% | 928 |
| Total domestic deposits to total assets | 77.2303% | 6,203 |
| Equity capital to assets | 17.9187% | 369 |
| Core capital (leverage) ratio | 16.2950% | 445 |
| Tier 1 risk-based capital ratio | 21.1843% | 1,480 |
| Total risk-based capital ratio | 22.4419% | 1,447 |
| Memoranda: | ||
| Average total assets | $253,617,250 | 2,518 |
| Average earning assets | $232,078,250 | 2,504 |
| Average equity | $42,064,250 | 1,672 |
| Average total loans | $178,023,500 | 2,263 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9818% | 1,836 |
| Cost of funding earning assets | 0.9752% | 1,906 |
| Net interest margin | 4.0066% | 2,476 |
| Noninterest income to average assets | 0.9344% | 1,663 |
| Noninterest expense to average assets | 2.8555% | 3,797 |
| Loan and lease loss provision to assets | 0.2311% | 2,765 |
| Net operating income to assets | 1.5221% | 959 |
| Return on assets (ROA) | 1.5221% | 1,079 |
| Pretax return on assets | 1.5221% | 1,797 |
| Return on Equity (ROE) | 9.4057% | 2,609 |
| Retained earnings to average equity (ytd only) | 2.5037% | 4,937 |
| Net charge-offs to loans | 0.6499% | 1,698 |
| Credit loss provision to net charge-offs | 50.7614% | 4,017 |
| Earnings coverage of net charge-offs (x) | 3.8511% | 3,250 |
| Efficiency ratio | 61.9589% | 5,255 |
| Assets per employee ($millions) | 5.3630% | 1,749 |
| Cash dividends to net income (ytd only)* | 73.3806% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9189% | 2,483 |
| Loan loss allowance to noncurrent loans | 20.4984% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 8.9189% | 346 |
| Noncurrent loans to loans | 9.3610% | 306 |
| Net loans and leases to total assets | 70.3835% | 1,855 |
| Net loans and leases to deposits | 91.8111% | 970 |
| Net loans and leases to core deposits | 108.6046% | 637 |
| Total domestic deposits to total assets | 76.6611% | 6,380 |
| Equity capital to assets | 17.1451% | 427 |
| Core capital (leverage) ratio | 16.0153% | 458 |
| Tier 1 risk-based capital ratio | 20.1673% | 1,672 |
| Total risk-based capital ratio | 21.4229% | 1,635 |
| Memoranda: | ||
| Average total assets | $259,642,670 | 2,465 |
| Average earning assets | $238,109,000 | 2,448 |
| Average equity | $42,017,000 | 1,663 |
| Average total loans | $181,870,000 | 2,195 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9737% | 1,979 |
| Cost of funding earning assets | 1.0603% | 1,620 |
| Net interest margin | 3.9134% | 2,869 |
| Noninterest income to average assets | 0.9109% | 1,703 |
| Noninterest expense to average assets | 3.0393% | 3,118 |
| Loan and lease loss provision to assets | 0.2255% | 2,693 |
| Net operating income to assets | 1.2521% | 1,597 |
| Return on assets (ROA) | 1.2521% | 1,769 |
| Pretax return on assets | 1.2521% | 2,714 |
| Return on Equity (ROE) | 7.9566% | 3,300 |
| Retained earnings to average equity (ytd only) | 1.2704% | 5,585 |
| Net charge-offs to loans | 0.9485% | 1,092 |
| Credit loss provision to net charge-offs | 34.3249% | 3,550 |
| Earnings coverage of net charge-offs (x) | 2.2494% | 3,266 |
| Efficiency ratio | 67.2879% | 4,301 |
| Assets per employee ($millions) | 5.6362% | 1,581 |
| Cash dividends to net income (ytd only)* | 84.0336% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8912% | 2,699 |
| Loan loss allowance to noncurrent loans | 20.7593% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 8.4774% | 437 |
| Noncurrent loans to loans | 9.1102% | 366 |
| Net loans and leases to total assets | 68.0499% | 2,107 |
| Net loans and leases to deposits | 85.2546% | 1,504 |
| Net loans and leases to core deposits | 104.4465% | 746 |
| Total domestic deposits to total assets | 79.8196% | 5,893 |
| Equity capital to assets | 16.1258% | 555 |
| Core capital (leverage) ratio | 14.5339% | 680 |
| Tier 1 risk-based capital ratio | 19.6654% | 1,791 |
| Total risk-based capital ratio | 20.9212% | 1,762 |
| Memoranda: | ||
| Average total assets | $266,114,000 | 2,418 |
| Average earning assets | $245,209,000 | 2,409 |
| Average equity | $41,877,000 | 1,654 |
| Average total loans | $184,288,500 | 2,183 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2991% | 1,702 |
| Cost of funding earning assets | 1.2147% | 1,932 |
| Net interest margin | 4.0844% | 2,506 |
| Noninterest income to average assets | 0.5328% | 3,634 |
| Noninterest expense to average assets | 1.9698% | 6,730 |
| Loan and lease loss provision to assets | 0.9654% | 994 |
| Net operating income to assets | 1.3702% | 1,084 |
| Return on assets (ROA) | 1.3702% | 1,171 |
| Pretax return on assets | 1.3702% | 1,877 |
| Return on Equity (ROE) | 9.1758% | 2,373 |
| Retained earnings to average equity (ytd only) | -0.5220% | 5,939 |
| Net charge-offs to loans | 1.6462% | 949 |
| Credit loss provision to net charge-offs | 80.4769% | 4,427 |
| Earnings coverage of net charge-offs (x) | 1.9469% | 4,316 |
| Efficiency ratio | 45.7520% | 7,060 |
| Assets per employee ($millions) | 5.6867% | 1,451 |
| Cash dividends to net income (ytd only)* | 105.6889% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 2,410 |
| Loan loss allowance to noncurrent loans | 20.0022% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 8.2536% | 473 |
| Noncurrent loans to loans | 9.7687% | 336 |
| Net loans and leases to total assets | 67.7961% | 2,442 |
| Net loans and leases to deposits | 86.5517% | 1,598 |
| Net loans and leases to core deposits | 115.1948% | 460 |
| Total domestic deposits to total assets | 78.3302% | 6,135 |
| Equity capital to assets | 15.3667% | 701 |
| Core capital (leverage) ratio | 14.6350% | 680 |
| Tier 1 risk-based capital ratio | 18.7659% | 1,971 |
| Total risk-based capital ratio | 20.0225% | 1,926 |
| Memoranda: | ||
| Average total assets | $279,673,600 | 2,271 |
| Average earning assets | $258,326,800 | 2,246 |
| Average equity | $41,762,000 | 1,609 |
| Average total loans | $203,804,400 | 2,006 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3981% | 1,510 |
| Cost of funding earning assets | 1.2439% | 2,033 |
| Net interest margin | 4.1543% | 2,261 |
| Noninterest income to average assets | 0.6611% | 2,816 |
| Noninterest expense to average assets | 2.1406% | 6,427 |
| Loan and lease loss provision to assets | 0.6398% | 1,536 |
| Net operating income to assets | 1.7188% | 598 |
| Return on assets (ROA) | 1.7188% | 656 |
| Pretax return on assets | 1.7188% | 1,100 |
| Return on Equity (ROE) | 11.5923% | 1,649 |
| Retained earnings to average equity (ytd only) | 4.0814% | 3,823 |
| Net charge-offs to loans | 0.9475% | 1,705 |
| Credit loss provision to net charge-offs | 91.5254% | 3,724 |
| Earnings coverage of net charge-offs (x) | 3.3742% | 3,465 |
| Efficiency ratio | 47.5774% | 6,981 |
| Assets per employee ($millions) | 5.4709% | 1,632 |
| Cash dividends to net income (ytd only)* | 64.7919% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1098% | 2,043 |
| Loan loss allowance to noncurrent loans | 45.1220% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 4.8072% | 1,215 |
| Noncurrent loans to loans | 4.6757% | 1,383 |
| Net loans and leases to total assets | 71.5448% | 1,810 |
| Net loans and leases to deposits | 91.7069% | 1,038 |
| Net loans and leases to core deposits | 127.7668% | 270 |
| Total domestic deposits to total assets | 78.0147% | 6,191 |
| Equity capital to assets | 15.8196% | 663 |
| Core capital (leverage) ratio | 14.8084% | 703 |
| Tier 1 risk-based capital ratio | 18.7952% | 1,995 |
| Total risk-based capital ratio | 20.0542% | 1,958 |
| Memoranda: | ||
| Average total assets | $281,351,750 | 2,268 |
| Average earning assets | $259,934,500 | 2,247 |
| Average equity | $41,716,250 | 1,618 |
| Average total loans | $207,569,250 | 1,999 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 2,429 |
| Cost of funding earning assets | 1.2658% | 2,146 |
| Net interest margin | 3.8921% | 3,357 |
| Noninterest income to average assets | 0.6114% | 3,059 |
| Noninterest expense to average assets | 2.2419% | 6,267 |
| Loan and lease loss provision to assets | 0.6339% | 1,513 |
| Net operating income to assets | 1.3284% | 1,251 |
| Return on assets (ROA) | 1.3284% | 1,330 |
| Pretax return on assets | 1.3284% | 2,046 |
| Return on Equity (ROE) | 9.1560% | 2,449 |
| Retained earnings to average equity (ytd only) | 0.6602% | 5,588 |
| Net charge-offs to loans | 0.3874% | 3,010 |
| Credit loss provision to net charge-offs | 221.1302% | 1,353 |
| Earnings coverage of net charge-offs (x) | 6.8452% | 2,324 |
| Efficiency ratio | 53.3255% | 6,682 |
| Assets per employee ($millions) | 5.6159% | 1,473 |
| Cash dividends to net income (ytd only)* | 92.7890% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3542% | 1,658 |
| Loan loss allowance to noncurrent loans | 54.1970% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 4.9081% | 1,250 |
| Noncurrent loans to loans | 4.3438% | 1,553 |
| Net loans and leases to total assets | 72.8928% | 1,616 |
| Net loans and leases to deposits | 92.6511% | 982 |
| Net loans and leases to core deposits | 134.6904% | 225 |
| Total domestic deposits to total assets | 78.6745% | 6,154 |
| Equity capital to assets | 15.1546% | 781 |
| Core capital (leverage) ratio | 14.2154% | 819 |
| Tier 1 risk-based capital ratio | 17.9728% | 2,181 |
| Total risk-based capital ratio | 19.2346% | 2,131 |
| Memoranda: | ||
| Average total assets | $283,953,670 | 2,256 |
| Average earning assets | $262,122,330 | 2,235 |
| Average equity | $41,197,000 | 1,627 |
| Average total loans | $210,117,000 | 1,995 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1205% | 2,553 |
| Cost of funding earning assets | 1.2703% | 2,360 |
| Net interest margin | 3.8502% | 3,374 |
| Noninterest income to average assets | 0.6465% | 2,867 |
| Noninterest expense to average assets | 2.0462% | 6,743 |
| Loan and lease loss provision to assets | 0.6243% | 1,381 |
| Net operating income to assets | 1.5246% | 834 |
| Return on assets (ROA) | 1.5246% | 875 |
| Pretax return on assets | 1.5246% | 1,377 |
| Return on Equity (ROE) | 10.7365% | 1,820 |
| Retained earnings to average equity (ytd only) | 0.9672% | 5,442 |
| Net charge-offs to loans | 0.2805% | 2,946 |
| Credit loss provision to net charge-offs | 302.0134% | 1,059 |
| Earnings coverage of net charge-offs (x) | 10.3960% | 1,638 |
| Efficiency ratio | 48.7765% | 7,081 |
| Assets per employee ($millions) | 5.7966% | 1,342 |
| Cash dividends to net income (ytd only)* | 90.9918% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2231% | 1,906 |
| Loan loss allowance to noncurrent loans | 48.6079% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 5.4431% | 1,119 |
| Noncurrent loans to loans | 4.5736% | 1,522 |
| Net loans and leases to total assets | 71.9108% | 1,739 |
| Net loans and leases to deposits | 91.0899% | 1,110 |
| Net loans and leases to core deposits | 140.4478% | 191 |
| Total domestic deposits to total assets | 78.9449% | 6,201 |
| Equity capital to assets | 14.4984% | 878 |
| Core capital (leverage) ratio | 13.7457% | 905 |
| Tier 1 risk-based capital ratio | 17.4283% | 2,326 |
| Total risk-based capital ratio | 18.6885% | 2,288 |
| Memoranda: | ||
| Average total assets | $288,341,500 | 2,247 |
| Average earning assets | $265,755,000 | 2,229 |
| Average equity | $40,944,500 | 1,628 |
| Average total loans | $212,465,000 | 1,991 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2779% | 3,228 |
| Cost of funding earning assets | 1.3802% | 3,391 |
| Net interest margin | 3.8977% | 3,501 |
| Noninterest income to average assets | 0.6515% | 3,142 |
| Noninterest expense to average assets | 1.8568% | 7,210 |
| Loan and lease loss provision to assets | 0.7278% | 2,254 |
| Net operating income to assets | 1.7173% | 497 |
| Return on assets (ROA) | 1.7188% | 538 |
| Pretax return on assets | 1.7188% | 906 |
| Return on Equity (ROE) | 13.3549% | 1,010 |
| Retained earnings to average equity (ytd only) | 2.6602% | 4,000 |
| Net charge-offs to loans | 0.8592% | 2,481 |
| Credit loss provision to net charge-offs | 111.9221% | 3,912 |
| Earnings coverage of net charge-offs (x) | 3.7601% | 3,205 |
| Efficiency ratio | 43.1629% | 7,436 |
| Assets per employee ($millions) | 6.0969% | 1,154 |
| Cash dividends to net income (ytd only)* | 80.0810% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0108% | 2,267 |
| Loan loss allowance to noncurrent loans | 61.7484% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 4.5262% | 1,476 |
| Noncurrent loans to loans | 3.2564% | 2,331 |
| Net loans and leases to total assets | 72.3361% | 2,021 |
| Net loans and leases to deposits | 90.9096% | 1,409 |
| Net loans and leases to core deposits | 149.0775% | 181 |
| Total domestic deposits to total assets | 79.5692% | 5,948 |
| Equity capital to assets | 13.9104% | 1,061 |
| Core capital (leverage) ratio | 13.0216% | 1,122 |
| Tier 1 risk-based capital ratio | 16.8350% | 2,411 |
| Total risk-based capital ratio | 18.0927% | 2,376 |
| Memoranda: | ||
| Average total assets | $316,026,200 | 2,058 |
| Average earning assets | $295,971,600 | 2,009 |
| Average equity | $40,674,200 | 1,631 |
| Average total loans | $239,162,800 | 1,825 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2368% | 3,651 |
| Cost of funding earning assets | 1.3998% | 3,587 |
| Net interest margin | 3.8370% | 3,809 |
| Noninterest income to average assets | 0.6085% | 3,384 |
| Noninterest expense to average assets | 1.6843% | 7,447 |
| Loan and lease loss provision to assets | 0.7663% | 1,996 |
| Net operating income to assets | 1.7642% | 551 |
| Return on assets (ROA) | 1.7663% | 598 |
| Pretax return on assets | 1.7663% | 982 |
| Return on Equity (ROE) | 13.9804% | 1,043 |
| Retained earnings to average equity (ytd only) | 3.3246% | 4,109 |
| Net charge-offs to loans | 0.9460% | 2,100 |
| Credit loss provision to net charge-offs | 106.4442% | 4,017 |
| Earnings coverage of net charge-offs (x) | 3.5150% | 3,413 |
| Efficiency ratio | 39.9607% | 7,585 |
| Assets per employee ($millions) | 6.4851% | 974 |
| Cash dividends to net income (ytd only)* | 76.2196% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 2,833 |
| Loan loss allowance to noncurrent loans | 45.3039% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 4.3475% | 1,563 |
| Noncurrent loans to loans | 3.9410% | 1,918 |
| Net loans and leases to total assets | 74.4156% | 1,709 |
| Net loans and leases to deposits | 94.0270% | 1,199 |
| Net loans and leases to core deposits | 155.0925% | 169 |
| Total domestic deposits to total assets | 79.1428% | 5,989 |
| Equity capital to assets | 13.4511% | 1,370 |
| Core capital (leverage) ratio | 12.5595% | 1,379 |
| Tier 1 risk-based capital ratio | 15.8784% | 2,823 |
| Total risk-based capital ratio | 17.1340% | 2,763 |
| Memoranda: | ||
| Average total assets | $321,869,750 | 2,047 |
| Average earning assets | $302,517,750 | 1,992 |
| Average equity | $40,665,500 | 1,634 |
| Average total loans | $244,944,250 | 1,811 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2341% | 3,788 |
| Cost of funding earning assets | 1.4312% | 3,663 |
| Net interest margin | 3.8029% | 3,879 |
| Noninterest income to average assets | 0.5095% | 4,033 |
| Noninterest expense to average assets | 1.6484% | 7,537 |
| Loan and lease loss provision to assets | 0.5532% | 2,561 |
| Net operating income to assets | 1.8863% | 406 |
| Return on assets (ROA) | 1.8863% | 452 |
| Pretax return on assets | 1.8863% | 758 |
| Return on Equity (ROE) | 15.2445% | 810 |
| Retained earnings to average equity (ytd only) | 3.5715% | 3,827 |
| Net charge-offs to loans | 0.3049% | 3,789 |
| Credit loss provision to net charge-offs | 238.0952% | 1,617 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,882 |
| Efficiency ratio | 40.3248% | 7,639 |
| Assets per employee ($millions) | 6.3750% | 1,014 |
| Cash dividends to net income (ytd only)* | 76.5722% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9041% | 2,401 |
| Loan loss allowance to noncurrent loans | 51.5679% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 3.6646% | 1,909 |
| Noncurrent loans to loans | 3.6923% | 2,117 |
| Net loans and leases to total assets | 74.6895% | 1,770 |
| Net loans and leases to deposits | 91.9726% | 1,535 |
| Net loans and leases to core deposits | 158.0939% | 178 |
| Total domestic deposits to total assets | 81.2084% | 5,329 |
| Equity capital to assets | 12.7963% | 1,653 |
| Core capital (leverage) ratio | 12.1340% | 1,574 |
| Tier 1 risk-based capital ratio | 15.1384% | 3,087 |
| Total risk-based capital ratio | 16.3952% | 3,037 |
| Memoranda: | ||
| Average total assets | $325,398,670 | 2,040 |
| Average earning assets | $306,185,670 | 1,990 |
| Average equity | $40,263,670 | 1,649 |
| Average total loans | $247,974,330 | 1,820 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2252% | 3,897 |
| Cost of funding earning assets | 1.4430% | 3,920 |
| Net interest margin | 3.7821% | 3,867 |
| Noninterest income to average assets | 0.4746% | 4,254 |
| Noninterest expense to average assets | 1.6305% | 7,631 |
| Loan and lease loss provision to assets | 0.5476% | 2,313 |
| Net operating income to assets | 1.8557% | 439 |
| Return on assets (ROA) | 1.8557% | 484 |
| Pretax return on assets | 1.8557% | 796 |
| Return on Equity (ROE) | 15.2494% | 831 |
| Retained earnings to average equity (ytd only) | 3.7499% | 3,902 |
| Net charge-offs to loans | 0.0846% | 4,583 |
| Credit loss provision to net charge-offs | 849.0566% | 543 |
| Earnings coverage of net charge-offs (x) | 37.2642% | 732 |
| Efficiency ratio | 40.4223% | 7,719 |
| Assets per employee ($millions) | 6.9272% | 830 |
| Cash dividends to net income (ytd only)* | 75.4098% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8110% | 2,700 |
| Loan loss allowance to noncurrent loans | 44.0008% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 3.8424% | 1,805 |
| Noncurrent loans to loans | 4.1157% | 1,883 |
| Net loans and leases to total assets | 74.8731% | 1,771 |
| Net loans and leases to deposits | 91.9564% | 1,618 |
| Net loans and leases to core deposits | 162.0516% | 182 |
| Total domestic deposits to total assets | 81.4223% | 5,306 |
| Equity capital to assets | 12.3491% | 1,844 |
| Core capital (leverage) ratio | 11.8840% | 1,701 |
| Tier 1 risk-based capital ratio | 14.5225% | 3,362 |
| Total risk-based capital ratio | 15.7782% | 3,330 |
| Memoranda: | ||
| Average total assets | $328,723,500 | 2,079 |
| Average earning assets | $309,348,000 | 2,021 |
| Average equity | $40,001,500 | 1,678 |
| Average total loans | $250,615,000 | 1,865 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3548% | 4,923 |
| Cost of funding earning assets | 1.8760% | 3,593 |
| Net interest margin | 3.4788% | 5,047 |
| Noninterest income to average assets | 0.4898% | 4,486 |
| Noninterest expense to average assets | 1.6032% | 7,765 |
| Loan and lease loss provision to assets | 0.7540% | 2,850 |
| Net operating income to assets | 1.4286% | 803 |
| Return on assets (ROA) | 1.4286% | 858 |
| Pretax return on assets | 1.4286% | 1,365 |
| Return on Equity (ROE) | 12.4366% | 1,064 |
| Retained earnings to average equity (ytd only) | 2.7165% | 3,256 |
| Net charge-offs to loans | 0.5965% | 3,427 |
| Credit loss provision to net charge-offs | 166.5152% | 2,611 |
| Earnings coverage of net charge-offs (x) | 4.8202% | 2,804 |
| Efficiency ratio | 42.3471% | 7,814 |
| Assets per employee ($millions) | 6.9139% | 828 |
| Cash dividends to net income (ytd only)* | 78.1571% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6204% | 3,195 |
| Loan loss allowance to noncurrent loans | 54.6679% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 2.9494% | 2,377 |
| Noncurrent loans to loans | 2.9641% | 2,596 |
| Net loans and leases to total assets | 74.9889% | 2,034 |
| Net loans and leases to deposits | 92.9551% | 1,741 |
| Net loans and leases to core deposits | 105.5685% | 3,386 |
| Total domestic deposits to total assets | 80.6721% | 5,450 |
| Equity capital to assets | 11.9918% | 2,042 |
| Core capital (leverage) ratio | 11.4756% | 1,926 |
| Tier 1 risk-based capital ratio | 14.1053% | 3,436 |
| Total risk-based capital ratio | 15.3400% | 3,399 |
| Memoranda: | ||
| Average total assets | $340,325,600 | 1,999 |
| Average earning assets | $322,440,600 | 1,928 |
| Average equity | $39,094,400 | 1,714 |
| Average total loans | $258,331,000 | 1,846 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3364% | 5,239 |
| Cost of funding earning assets | 1.9703% | 3,514 |
| Net interest margin | 3.3661% | 5,389 |
| Noninterest income to average assets | 0.5696% | 3,929 |
| Noninterest expense to average assets | 1.6684% | 7,786 |
| Loan and lease loss provision to assets | 0.5513% | 3,181 |
| Net operating income to assets | 1.5461% | 736 |
| Return on assets (ROA) | 1.5461% | 794 |
| Pretax return on assets | 1.5461% | 1,288 |
| Return on Equity (ROE) | 13.6041% | 999 |
| Retained earnings to average equity (ytd only) | 4.3543% | 2,839 |
| Net charge-offs to loans | 0.7861% | 2,395 |
| Credit loss provision to net charge-offs | 92.4886% | 5,416 |
| Earnings coverage of net charge-offs (x) | 3.5186% | 3,500 |
| Efficiency ratio | 44.3031% | 7,828 |
| Assets per employee ($millions) | 6.9065% | 821 |
| Cash dividends to net income (ytd only)* | 67.9930% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 5,416 |
| Loan loss allowance to noncurrent loans | 38.9393% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 3.2368% | 2,094 |
| Noncurrent loans to loans | 2.9493% | 2,573 |
| Net loans and leases to total assets | 75.2595% | 2,171 |
| Net loans and leases to deposits | 94.9865% | 1,715 |
| Net loans and leases to core deposits | 110.2239% | 3,211 |
| Total domestic deposits to total assets | 79.2318% | 5,719 |
| Equity capital to assets | 12.0346% | 2,223 |
| Core capital (leverage) ratio | 11.5084% | 2,070 |
| Tier 1 risk-based capital ratio | 13.9335% | 3,588 |
| Total risk-based capital ratio | 15.0185% | 3,625 |
| Memoranda: | ||
| Average total assets | $342,440,000 | 2,001 |
| Average earning assets | $325,155,000 | 1,928 |
| Average equity | $38,918,750 | 1,744 |
| Average total loans | $259,673,000 | 1,859 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3305% | 5,498 |
| Cost of funding earning assets | 2.0993% | 3,267 |
| Net interest margin | 3.2312% | 5,803 |
| Noninterest income to average assets | 0.5957% | 3,734 |
| Noninterest expense to average assets | 1.6825% | 7,852 |
| Loan and lease loss provision to assets | 0.1745% | 5,306 |
| Net operating income to assets | 1.8110% | 451 |
| Return on assets (ROA) | 1.8110% | 491 |
| Pretax return on assets | 1.8110% | 830 |
| Return on Equity (ROE) | 16.2491% | 665 |
| Retained earnings to average equity (ytd only) | 4.2437% | 2,946 |
| Net charge-offs to loans | 0.2066% | 4,223 |
| Credit loss provision to net charge-offs | 111.5242% | 4,153 |
| Earnings coverage of net charge-offs (x) | 12.6877% | 1,797 |
| Efficiency ratio | 45.8684% | 7,857 |
| Assets per employee ($millions) | 6.8466% | 829 |
| Cash dividends to net income (ytd only)* | 73.8837% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 4,849 |
| Loan loss allowance to noncurrent loans | 60.4438% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 2.4714% | 2,610 |
| Noncurrent loans to loans | 2.0066% | 3,513 |
| Net loans and leases to total assets | 75.3850% | 2,349 |
| Net loans and leases to deposits | 100.1715% | 1,273 |
| Net loans and leases to core deposits | 112.7109% | 3,055 |
| Total domestic deposits to total assets | 75.2559% | 6,705 |
| Equity capital to assets | 11.5562% | 2,500 |
| Core capital (leverage) ratio | 11.2362% | 2,240 |
| Tier 1 risk-based capital ratio | 13.7575% | 3,650 |
| Total risk-based capital ratio | 14.8940% | 3,656 |
| Memoranda: | ||
| Average total assets | $343,781,000 | 2,011 |
| Average earning assets | $326,872,000 | 1,935 |
| Average equity | $38,316,000 | 1,783 |
| Average total loans | $260,347,330 | 1,883 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 6,329 |
| Cost of funding earning assets | 2.2404% | 2,958 |
| Net interest margin | 2.9510% | 6,611 |
| Noninterest income to average assets | 0.6105% | 3,475 |
| Noninterest expense to average assets | 1.4083% | 8,039 |
| Loan and lease loss provision to assets | 0.1724% | 4,744 |
| Net operating income to assets | 1.8417% | 487 |
| Return on assets (ROA) | 1.8417% | 545 |
| Pretax return on assets | 1.8417% | 907 |
| Return on Equity (ROE) | 16.8235% | 707 |
| Retained earnings to average equity (ytd only) | 4.2216% | 3,557 |
| Net charge-offs to loans | 0.3703% | 2,612 |
| Credit loss provision to net charge-offs | 61.7284% | 4,484 |
| Earnings coverage of net charge-offs (x) | 7.2099% | 2,377 |
| Efficiency ratio | 41.1488% | 8,019 |
| Assets per employee ($millions) | 7.4257% | 641 |
| Cash dividends to net income (ytd only)* | 74.9064% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 5,271 |
| Loan loss allowance to noncurrent loans | 45.4421% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 2.1192% | 2,723 |
| Noncurrent loans to loans | 2.4824% | 2,649 |
| Net loans and leases to total assets | 74.8633% | 2,538 |
| Net loans and leases to deposits | 99.6811% | 1,454 |
| Net loans and leases to core deposits | 114.2748% | 2,982 |
| Total domestic deposits to total assets | 75.1028% | 6,690 |
| Equity capital to assets | 11.0453% | 2,925 |
| Core capital (leverage) ratio | 10.9384% | 2,550 |
| Tier 1 risk-based capital ratio | 13.3481% | 3,960 |
| Total risk-based capital ratio | 14.4195% | 3,990 |
| Memoranda: | ||
| Average total assets | $347,930,500 | 1,998 |
| Average earning assets | $331,547,500 | 1,909 |
| Average equity | $38,089,500 | 1,788 |
| Average total loans | $262,517,000 | 1,888 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9655% | 5,727 |
| Cost of funding earning assets | 3.0992% | 1,510 |
| Net interest margin | 2.8663% | 7,219 |
| Noninterest income to average assets | 0.4424% | 5,094 |
| Noninterest expense to average assets | 1.3258% | 8,108 |
| Loan and lease loss provision to assets | 0.4706% | 2,948 |
| Net operating income to assets | 1.3714% | 1,294 |
| Return on assets (ROA) | 1.3714% | 1,247 |
| Pretax return on assets | 1.3631% | 2,078 |
| Return on Equity (ROE) | 13.0255% | 1,321 |
| Retained earnings to average equity (ytd only) | 11.1201% | 313 |
| Net charge-offs to loans | 0.2352% | 3,896 |
| Credit loss provision to net charge-offs | 269.1525% | 1,714 |
| Earnings coverage of net charge-offs (x) | 10.4881% | 2,505 |
| Efficiency ratio | 41.9621% | 8,070 |
| Assets per employee ($millions) | 7.3799% | 600 |
| Cash dividends to net income (ytd only)* | 14.6283% | 4,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 4,715 |
| Loan loss allowance to noncurrent loans | 45.6151% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 2.2473% | 2,165 |
| Noncurrent loans to loans | 2.5842% | 2,095 |
| Net loans and leases to total assets | 74.2967% | 3,032 |
| Net loans and leases to deposits | 93.7371% | 2,815 |
| Net loans and leases to core deposits | 109.1389% | 3,851 |
| Total domestic deposits to total assets | 79.2607% | 5,283 |
| Equity capital to assets | 10.8489% | 3,164 |
| Core capital (leverage) ratio | 10.7618% | 2,772 |
| Tier 1 risk-based capital ratio | 13.1954% | 3,993 |
| Total risk-based capital ratio | 14.2982% | 3,990 |
| Memoranda: | ||
| Average total assets | $337,456,800 | 1,974 |
| Average earning assets | $319,891,200 | 1,902 |
| Average equity | $35,530,400 | 1,898 |
| Average total loans | $250,814,400 | 1,902 |