Home > Peoples Bank of Alabama > Performance and Condition Ratios
Peoples Bank of Alabama, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7395% | 889 |
| Cost of funding earning assets | 0.7891% | 3,770 |
| Net interest margin | 4.9504% | 337 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 3.3327% | 712 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 2.0361% | 447 |
| Return on assets (ROA) | 2.0366% | 430 |
| Pretax return on assets | 2.1664% | 514 |
| Return on Equity (ROE) | 27.2300% | 240 |
| Retained earnings to average equity (ytd only) | 17.5983% | 201 |
| Net charge-offs to loans | 0.0754% | 1,109 |
| Credit loss provision to net charge-offs | 429.2880% | 746 |
| Earnings coverage of net charge-offs (x) | 48.1683% | 1,320 |
| Efficiency ratio | 58.1973% | 3,277 |
| Assets per employee ($millions) | 4.4894% | 3,958 |
| Cash dividends to net income (ytd only)* | 35.3607% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 665 |
| Loan loss allowance to noncurrent loans | 1,481.2883% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 3,034 |
| Noncurrent loans to loans | 0.1146% | 2,950 |
| Net loans and leases to total assets | 66.0500% | 2,248 |
| Net loans and leases to deposits | 72.7355% | 2,714 |
| Net loans and leases to core deposits | 77.8817% | 2,848 |
| Total domestic deposits to total assets | 90.8000% | 556 |
| Equity capital to assets | 8.1974% | 3,280 |
| Core capital (leverage) ratio | 10.4608% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7444% | 1,611 |
| Memoranda: | ||
| Average total assets | $1,258,605,800 | 828 |
| Average earning assets | $1,173,034,000 | 811 |
| Average equity | $94,151,000 | 993 |
| Average total loans | $819,394,600 | 850 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6245% | 882 |
| Cost of funding earning assets | 0.6337% | 3,912 |
| Net interest margin | 4.9907% | 310 |
| Noninterest income to average assets | 1.0900% | 560 |
| Noninterest expense to average assets | 3.2964% | 726 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 2.1129% | 429 |
| Return on assets (ROA) | 2.1136% | 421 |
| Pretax return on assets | 2.2622% | 510 |
| Return on Equity (ROE) | 28.9600% | 250 |
| Retained earnings to average equity (ytd only) | 15.9659% | 464 |
| Net charge-offs to loans | 0.0751% | 954 |
| Credit loss provision to net charge-offs | 378.3370% | 743 |
| Earnings coverage of net charge-offs (x) | 50.4398% | 1,310 |
| Efficiency ratio | 57.0903% | 3,304 |
| Assets per employee ($millions) | 4.4720% | 3,956 |
| Cash dividends to net income (ytd only)* | 44.8631% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 784 |
| Loan loss allowance to noncurrent loans | 2,565.2336% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 3,378 |
| Noncurrent loans to loans | 0.0643% | 3,293 |
| Net loans and leases to total assets | 64.4000% | 2,397 |
| Net loans and leases to deposits | 70.0322% | 2,840 |
| Net loans and leases to core deposits | 73.4874% | 3,024 |
| Total domestic deposits to total assets | 91.9600% | 457 |
| Equity capital to assets | 7.2231% | 3,502 |
| Core capital (leverage) ratio | 10.1809% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2482% | 1,804 |
| Memoranda: | ||
| Average total assets | $1,255,630,500 | 832 |
| Average earning assets | $1,169,762,000 | 816 |
| Average equity | $91,651,500 | 1,012 |
| Average total loans | $810,839,250 | 854 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5419% | 788 |
| Cost of funding earning assets | 0.5111% | 3,958 |
| Net interest margin | 5.0308% | 300 |
| Noninterest income to average assets | 1.1300% | 479 |
| Noninterest expense to average assets | 3.2745% | 708 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 2.2518% | 330 |
| Return on assets (ROA) | 2.2518% | 324 |
| Pretax return on assets | 2.4054% | 399 |
| Return on Equity (ROE) | 30.7400% | 201 |
| Retained earnings to average equity (ytd only) | 20.2154% | 244 |
| Net charge-offs to loans | 0.0508% | 1,007 |
| Credit loss provision to net charge-offs | 408.8235% | 725 |
| Earnings coverage of net charge-offs (x) | 77.8333% | 1,065 |
| Efficiency ratio | 56.0305% | 3,410 |
| Assets per employee ($millions) | 4.2759% | 4,070 |
| Cash dividends to net income (ytd only)* | 34.2399% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 931 |
| Loan loss allowance to noncurrent loans | 1,694.5596% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 3,141 |
| Noncurrent loans to loans | 0.0945% | 3,028 |
| Net loans and leases to total assets | 64.8000% | 2,297 |
| Net loans and leases to deposits | 70.7117% | 2,731 |
| Net loans and leases to core deposits | 73.2901% | 2,942 |
| Total domestic deposits to total assets | 91.6300% | 480 |
| Equity capital to assets | 7.6459% | 3,439 |
| Core capital (leverage) ratio | 9.9510% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4033% | 1,759 |
| Memoranda: | ||
| Average total assets | $1,250,826,667 | 822 |
| Average earning assets | $1,165,223,667 | 813 |
| Average equity | $91,623,000 | 1,005 |
| Average total loans | $803,904,333 | 845 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3641% | 771 |
| Cost of funding earning assets | 0.3991% | 3,967 |
| Net interest margin | 4.9650% | 308 |
| Noninterest income to average assets | 1.1600% | 464 |
| Noninterest expense to average assets | 3.2679% | 725 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 2.3072% | 313 |
| Return on assets (ROA) | 2.3072% | 313 |
| Pretax return on assets | 2.4549% | 379 |
| Return on Equity (ROE) | 32.1900% | 196 |
| Retained earnings to average equity (ytd only) | 24.7784% | 185 |
| Net charge-offs to loans | 0.0331% | 1,053 |
| Credit loss provision to net charge-offs | 303.0303% | 688 |
| Earnings coverage of net charge-offs (x) | 119.8485% | 709 |
| Efficiency ratio | 56.1767% | 3,393 |
| Assets per employee ($millions) | 4.4081% | 4,073 |
| Cash dividends to net income (ytd only)* | 23.0334% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 1,130 |
| Loan loss allowance to noncurrent loans | 2,352.5234% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,280 |
| Noncurrent loans to loans | 0.0658% | 3,262 |
| Net loans and leases to total assets | 63.2900% | 2,323 |
| Net loans and leases to deposits | 68.7595% | 2,718 |
| Net loans and leases to core deposits | 70.8505% | 2,891 |
| Total domestic deposits to total assets | 92.0400% | 502 |
| Equity capital to assets | 7.3283% | 3,658 |
| Core capital (leverage) ratio | 9.5556% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9469% | 1,989 |
| Memoranda: | ||
| Average total assets | $1,256,238,000 | 837 |
| Average earning assets | $1,169,700,500 | 825 |
| Average equity | $90,030,000 | 1,033 |
| Average total loans | $797,575,000 | 863 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3679% | 937 |
| Cost of funding earning assets | 0.1264% | 4,248 |
| Net interest margin | 4.2415% | 482 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 3.1874% | 733 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.6709% | 576 |
| Return on assets (ROA) | 1.6707% | 548 |
| Pretax return on assets | 1.7608% | 801 |
| Return on Equity (ROE) | 23.2700% | 266 |
| Retained earnings to average equity (ytd only) | 15.5164% | 252 |
| Net charge-offs to loans | 0.2440% | 328 |
| Credit loss provision to net charge-offs | 59.3851% | 1,780 |
| Earnings coverage of net charge-offs (x) | 12.4617% | 2,107 |
| Efficiency ratio | 62.9424% | 2,638 |
| Assets per employee ($millions) | 4.4708% | 4,056 |
| Cash dividends to net income (ytd only)* | 33.3238% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 875 |
| Loan loss allowance to noncurrent loans | 2,609.4949% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,056 |
| Noncurrent loans to loans | 0.0633% | 3,294 |
| Net loans and leases to total assets | 61.6500% | 2,479 |
| Net loans and leases to deposits | 67.0657% | 2,809 |
| Net loans and leases to core deposits | 68.4048% | 2,985 |
| Total domestic deposits to total assets | 91.9300% | 657 |
| Equity capital to assets | 7.0027% | 3,669 |
| Core capital (leverage) ratio | 9.1870% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6170% | 2,117 |
| Memoranda: | ||
| Average total assets | $1,249,433,600 | 825 |
| Average earning assets | $1,165,199,200 | 814 |
| Average equity | $89,698,800 | 1,034 |
| Average total loans | $759,698,400 | 850 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 1,023 |
| Cost of funding earning assets | 0.1012% | 4,274 |
| Net interest margin | 4.0217% | 615 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 3.1131% | 768 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.6306% | 615 |
| Return on assets (ROA) | 1.6303% | 601 |
| Pretax return on assets | 1.7097% | 884 |
| Return on Equity (ROE) | 22.5700% | 271 |
| Retained earnings to average equity (ytd only) | 18.6971% | 139 |
| Net charge-offs to loans | 0.1082% | 575 |
| Credit loss provision to net charge-offs | 44.1176% | 1,548 |
| Earnings coverage of net charge-offs (x) | 26.6356% | 1,580 |
| Efficiency ratio | 63.8064% | 2,577 |
| Assets per employee ($millions) | 4.4898% | 4,064 |
| Cash dividends to net income (ytd only)* | 17.1617% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 903 |
| Loan loss allowance to noncurrent loans | 1,517.9954% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,126 |
| Noncurrent loans to loans | 0.1109% | 3,097 |
| Net loans and leases to total assets | 61.5000% | 2,348 |
| Net loans and leases to deposits | 66.6164% | 2,665 |
| Net loans and leases to core deposits | 67.8527% | 2,816 |
| Total domestic deposits to total assets | 92.3200% | 774 |
| Equity capital to assets | 6.7363% | 3,646 |
| Core capital (leverage) ratio | 8.7559% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3981% | 2,310 |
| Memoranda: | ||
| Average total assets | $1,249,952,250 | 827 |
| Average earning assets | $1,166,927,750 | 816 |
| Average equity | $90,286,250 | 1,045 |
| Average total loans | $754,141,500 | 853 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8999% | 1,113 |
| Cost of funding earning assets | 0.0966% | 4,222 |
| Net interest margin | 3.8033% | 749 |
| Noninterest income to average assets | 1.1262% | 527 |
| Noninterest expense to average assets | 3.1388% | 686 |
| Loan and lease loss provision to assets | 0.0434% | 1,787 |
| Net operating income to assets | 1.4292% | 837 |
| Return on assets (ROA) | 1.4288% | 824 |
| Pretax return on assets | 1.4984% | 1,172 |
| Return on Equity (ROE) | 19.3384% | 360 |
| Retained earnings to average equity (ytd only) | 15.5364% | 223 |
| Net charge-offs to loans | 0.0939% | 611 |
| Credit loss provision to net charge-offs | 77.5862% | 1,397 |
| Earnings coverage of net charge-offs (x) | 27.5776% | 1,427 |
| Efficiency ratio | 66.6827% | 2,418 |
| Assets per employee ($millions) | 4.4803% | 4,085 |
| Cash dividends to net income (ytd only)* | 19.6603% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 790 |
| Loan loss allowance to noncurrent loans | 2,363.8261% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 3,421 |
| Noncurrent loans to loans | 0.0769% | 3,402 |
| Net loans and leases to total assets | 58.1186% | 2,524 |
| Net loans and leases to deposits | 62.6979% | 2,836 |
| Net loans and leases to core deposits | 63.5722% | 3,004 |
| Total domestic deposits to total assets | 92.6962% | 587 |
| Equity capital to assets | 6.5004% | 4,021 |
| Core capital (leverage) ratio | 8.2502% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4301% | 2,324 |
| Memoranda: | ||
| Average total assets | $1,244,564,667 | 825 |
| Average earning assets | $1,163,265,333 | 819 |
| Average equity | $91,952,000 | 1,033 |
| Average total loans | $741,532,000 | 850 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7413% | 1,193 |
| Cost of funding earning assets | 0.0958% | 4,188 |
| Net interest margin | 3.6455% | 827 |
| Noninterest income to average assets | 1.1581% | 512 |
| Noninterest expense to average assets | 3.1462% | 652 |
| Loan and lease loss provision to assets | 0.0492% | 1,491 |
| Net operating income to assets | 1.3155% | 968 |
| Return on assets (ROA) | 1.3155% | 954 |
| Pretax return on assets | 1.3757% | 1,312 |
| Return on Equity (ROE) | 16.7741% | 450 |
| Retained earnings to average equity (ytd only) | 13.1732% | 450 |
| Net charge-offs to loans | 0.0986% | 525 |
| Credit loss provision to net charge-offs | 83.5165% | 1,103 |
| Earnings coverage of net charge-offs (x) | 24.1758% | 1,216 |
| Efficiency ratio | 68.4449% | 2,450 |
| Assets per employee ($millions) | 4.5169% | 4,126 |
| Cash dividends to net income (ytd only)* | 21.4673% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8192% | 854 |
| Loan loss allowance to noncurrent loans | 1,730.9645% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 3,343 |
| Noncurrent loans to loans | 0.1051% | 3,312 |
| Net loans and leases to total assets | 58.2062% | 2,276 |
| Net loans and leases to deposits | 63.4802% | 2,579 |
| Net loans and leases to core deposits | 64.4158% | 2,764 |
| Total domestic deposits to total assets | 91.6919% | 700 |
| Equity capital to assets | 7.4013% | 3,988 |
| Core capital (leverage) ratio | 8.1431% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9799% | 2,618 |
| Memoranda: | ||
| Average total assets | $1,235,125,500 | 831 |
| Average earning assets | $1,156,387,500 | 827 |
| Average equity | $96,863,500 | 1,009 |
| Average total loans | $738,354,500 | 845 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8489% | 1,745 |
| Cost of funding earning assets | 0.1769% | 3,695 |
| Net interest margin | 3.6721% | 1,280 |
| Noninterest income to average assets | 1.2243% | 708 |
| Noninterest expense to average assets | 3.1631% | 770 |
| Loan and lease loss provision to assets | 0.0177% | 2,714 |
| Net operating income to assets | 1.4531% | 1,129 |
| Return on assets (ROA) | 1.4631% | 1,163 |
| Pretax return on assets | 1.5110% | 1,681 |
| Return on Equity (ROE) | 17.3398% | 540 |
| Retained earnings to average equity (ytd only) | 11.5719% | 603 |
| Net charge-offs to loans | 0.0381% | 1,491 |
| Credit loss provision to net charge-offs | 75.1852% | 1,986 |
| Earnings coverage of net charge-offs (x) | 64.4444% | 1,132 |
| Efficiency ratio | 67.4315% | 2,063 |
| Assets per employee ($millions) | 4.3364% | 4,248 |
| Cash dividends to net income (ytd only)* | 33.2637% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 753 |
| Loan loss allowance to noncurrent loans | 1,582.1759% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 3,341 |
| Noncurrent loans to loans | 0.1189% | 3,338 |
| Net loans and leases to total assets | 59.1651% | 2,248 |
| Net loans and leases to deposits | 64.8395% | 2,612 |
| Net loans and leases to core deposits | 65.8571% | 2,832 |
| Total domestic deposits to total assets | 91.2485% | 401 |
| Equity capital to assets | 8.3051% | 4,175 |
| Core capital (leverage) ratio | 8.0552% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3259% | 2,520 |
| Memoranda: | ||
| Average total assets | $1,145,921,800 | 863 |
| Average earning assets | $1,078,875,400 | 850 |
| Average equity | $96,691,000 | 1,036 |
| Average total loans | $708,747,600 | 872 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 1,810 |
| Cost of funding earning assets | 0.1981% | 3,620 |
| Net interest margin | 3.6830% | 1,374 |
| Noninterest income to average assets | 1.2509% | 740 |
| Noninterest expense to average assets | 3.0767% | 853 |
| Loan and lease loss provision to assets | 0.0098% | 2,793 |
| Net operating income to assets | 1.5583% | 1,126 |
| Return on assets (ROA) | 1.5715% | 1,143 |
| Pretax return on assets | 1.6483% | 1,557 |
| Return on Equity (ROE) | 18.5469% | 563 |
| Retained earnings to average equity (ytd only) | 15.4235% | 342 |
| Net charge-offs to loans | 0.0314% | 1,435 |
| Credit loss provision to net charge-offs | 50.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | 84.0181% | 951 |
| Efficiency ratio | 65.1276% | 2,231 |
| Assets per employee ($millions) | 4.3029% | 4,263 |
| Cash dividends to net income (ytd only)* | 16.8404% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8639% | 819 |
| Loan loss allowance to noncurrent loans | 1,567.6234% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 3,530 |
| Noncurrent loans to loans | 0.1189% | 3,497 |
| Net loans and leases to total assets | 60.7534% | 2,169 |
| Net loans and leases to deposits | 67.8500% | 2,452 |
| Net loans and leases to core deposits | 68.9878% | 2,688 |
| Total domestic deposits to total assets | 89.5407% | 990 |
| Equity capital to assets | 8.5542% | 4,175 |
| Core capital (leverage) ratio | 8.1860% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5807% | 2,516 |
| Memoranda: | ||
| Average total assets | $1,131,021,750 | 882 |
| Average earning assets | $1,065,583,500 | 865 |
| Average equity | $95,833,750 | 1,058 |
| Average total loans | $704,205,000 | 892 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0106% | 1,541 |
| Cost of funding earning assets | 0.2081% | 3,671 |
| Net interest margin | 3.8025% | 1,134 |
| Noninterest income to average assets | 1.2960% | 693 |
| Noninterest expense to average assets | 3.0878% | 858 |
| Loan and lease loss provision to assets | 0.0113% | 2,712 |
| Net operating income to assets | 1.7004% | 870 |
| Return on assets (ROA) | 1.7197% | 891 |
| Pretax return on assets | 1.8041% | 1,223 |
| Return on Equity (ROE) | 20.3643% | 425 |
| Retained earnings to average equity (ytd only) | 17.4739% | 249 |
| Net charge-offs to loans | 0.0512% | 1,108 |
| Credit loss provision to net charge-offs | 35.3933% | 1,680 |
| Earnings coverage of net charge-offs (x) | 56.1517% | 1,003 |
| Efficiency ratio | 63.2375% | 2,534 |
| Assets per employee ($millions) | 4.3194% | 4,244 |
| Cash dividends to net income (ytd only)* | 14.1932% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9414% | 682 |
| Loan loss allowance to noncurrent loans | 1,562.1560% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 3,611 |
| Noncurrent loans to loans | 0.1243% | 3,567 |
| Net loans and leases to total assets | 60.5656% | 2,357 |
| Net loans and leases to deposits | 67.6639% | 2,652 |
| Net loans and leases to core deposits | 68.7400% | 2,890 |
| Total domestic deposits to total assets | 89.5095% | 1,023 |
| Equity capital to assets | 8.6198% | 4,115 |
| Core capital (leverage) ratio | 8.1847% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,113,592,667 | 885 |
| Average earning assets | $1,050,464,667 | 869 |
| Average equity | $94,037,333 | 1,069 |
| Average total loans | $694,755,333 | 902 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1061% | 1,369 |
| Cost of funding earning assets | 0.2237% | 3,692 |
| Net interest margin | 3.8824% | 1,014 |
| Noninterest income to average assets | 1.2464% | 809 |
| Noninterest expense to average assets | 3.1133% | 825 |
| Loan and lease loss provision to assets | 0.0123% | 2,619 |
| Net operating income to assets | 1.7134% | 916 |
| Return on assets (ROA) | 1.7134% | 966 |
| Pretax return on assets | 1.7856% | 1,318 |
| Return on Equity (ROE) | 20.5093% | 502 |
| Retained earnings to average equity (ytd only) | 18.6677% | 330 |
| Net charge-offs to loans | 0.0822% | 780 |
| Credit loss provision to net charge-offs | 23.9437% | 1,404 |
| Earnings coverage of net charge-offs (x) | 34.8944% | 1,032 |
| Efficiency ratio | 63.3912% | 2,548 |
| Assets per employee ($millions) | 4.1533% | 4,380 |
| Cash dividends to net income (ytd only)* | 8.9792% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9516% | 662 |
| Loan loss allowance to noncurrent loans | 1,070.6206% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 3,490 |
| Noncurrent loans to loans | 0.1823% | 3,453 |
| Net loans and leases to total assets | 60.6121% | 2,461 |
| Net loans and leases to deposits | 67.4524% | 2,758 |
| Net loans and leases to core deposits | 68.6312% | 3,006 |
| Total domestic deposits to total assets | 89.8591% | 889 |
| Equity capital to assets | 8.2673% | 4,313 |
| Core capital (leverage) ratio | 8.1221% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,102,382,000 | 886 |
| Average earning assets | $1,040,601,500 | 870 |
| Average equity | $92,095,000 | 1,081 |
| Average total loans | $691,305,000 | 912 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 1,540 |
| Cost of funding earning assets | 0.4606% | 3,215 |
| Net interest margin | 3.9552% | 1,075 |
| Noninterest income to average assets | 1.5031% | 537 |
| Noninterest expense to average assets | 3.6530% | 562 |
| Loan and lease loss provision to assets | 0.0192% | 4,149 |
| Net operating income to assets | 1.4645% | 888 |
| Return on assets (ROA) | 1.4961% | 895 |
| Pretax return on assets | 1.5723% | 1,131 |
| Return on Equity (ROE) | 16.1108% | 491 |
| Retained earnings to average equity (ytd only) | 6.3816% | 1,639 |
| Net charge-offs to loans | -0.4898% | 4,952 |
| Credit loss provision to net charge-offs | -5.5708% | 3,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0987% | 1,935 |
| Assets per employee ($millions) | 4.0114% | 4,367 |
| Cash dividends to net income (ytd only)* | 60.3894% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0076% | 578 |
| Loan loss allowance to noncurrent loans | 939.6033% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 3,456 |
| Noncurrent loans to loans | 0.2137% | 3,436 |
| Net loans and leases to total assets | 62.3692% | 2,560 |
| Net loans and leases to deposits | 69.7101% | 2,911 |
| Net loans and leases to core deposits | 71.0450% | 3,171 |
| Total domestic deposits to total assets | 89.4695% | 780 |
| Equity capital to assets | 8.4454% | 4,487 |
| Core capital (leverage) ratio | 8.3360% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $954,425,000 | 918 |
| Average earning assets | $894,799,400 | 904 |
| Average equity | $88,630,000 | 1,071 |
| Average total loans | $670,688,400 | 899 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7019% | 1,061 |
| Cost of funding earning assets | 0.5214% | 3,104 |
| Net interest margin | 4.1804% | 763 |
| Noninterest income to average assets | 1.4089% | 567 |
| Noninterest expense to average assets | 3.6778% | 553 |
| Loan and lease loss provision to assets | 0.0202% | 4,082 |
| Net operating income to assets | 1.5446% | 823 |
| Return on assets (ROA) | 1.5878% | 824 |
| Pretax return on assets | 1.6679% | 1,034 |
| Return on Equity (ROE) | 16.6600% | 480 |
| Retained earnings to average equity (ytd only) | 10.1395% | 730 |
| Net charge-offs to loans | -0.6646% | 4,983 |
| Credit loss provision to net charge-offs | -4.2093% | 3,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1259% | 2,017 |
| Assets per employee ($millions) | 3.7266% | 4,537 |
| Cash dividends to net income (ytd only)* | 39.1387% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9248% | 561 |
| Loan loss allowance to noncurrent loans | 751.3129% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 3,183 |
| Noncurrent loans to loans | 0.2562% | 3,386 |
| Net loans and leases to total assets | 70.0700% | 1,943 |
| Net loans and leases to deposits | 79.2026% | 2,403 |
| Net loans and leases to core deposits | 81.0796% | 2,745 |
| Total domestic deposits to total assets | 88.4693% | 984 |
| Equity capital to assets | 9.1845% | 3,966 |
| Core capital (leverage) ratio | 8.5181% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $924,264,500 | 936 |
| Average earning assets | $864,798,250 | 922 |
| Average equity | $88,089,000 | 1,065 |
| Average total loans | $667,298,500 | 896 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 655 |
| Cost of funding earning assets | 0.5762% | 3,100 |
| Net interest margin | 4.5508% | 452 |
| Noninterest income to average assets | 1.4087% | 533 |
| Noninterest expense to average assets | 3.7761% | 520 |
| Loan and lease loss provision to assets | 0.0227% | 3,963 |
| Net operating income to assets | 1.7714% | 534 |
| Return on assets (ROA) | 1.8314% | 521 |
| Pretax return on assets | 1.9232% | 650 |
| Return on Equity (ROE) | 18.9604% | 307 |
| Retained earnings to average equity (ytd only) | 11.0848% | 587 |
| Net charge-offs to loans | -1.1045% | 5,025 |
| Credit loss provision to net charge-offs | -2.8333% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7295% | 2,413 |
| Assets per employee ($millions) | 3.7261% | 4,530 |
| Cash dividends to net income (ytd only)* | 41.5372% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9782% | 452 |
| Loan loss allowance to noncurrent loans | 473.1121% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 3,007 |
| Noncurrent loans to loans | 0.4181% | 2,912 |
| Net loans and leases to total assets | 69.0674% | 2,176 |
| Net loans and leases to deposits | 77.8858% | 2,671 |
| Net loans and leases to core deposits | 79.9202% | 2,952 |
| Total domestic deposits to total assets | 88.6778% | 876 |
| Equity capital to assets | 8.9775% | 4,111 |
| Core capital (leverage) ratio | 8.7079% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $899,441,667 | 941 |
| Average earning assets | $840,025,667 | 928 |
| Average equity | $86,875,667 | 1,068 |
| Average total loans | $651,882,667 | 904 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8588% | 1,290 |
| Cost of funding earning assets | 0.6311% | 3,267 |
| Net interest margin | 4.2277% | 868 |
| Noninterest income to average assets | 1.5571% | 368 |
| Noninterest expense to average assets | 4.0637% | 476 |
| Loan and lease loss provision to assets | 0.0146% | 3,605 |
| Net operating income to assets | 1.3432% | 1,125 |
| Return on assets (ROA) | 1.3764% | 1,123 |
| Pretax return on assets | 1.4476% | 1,440 |
| Return on Equity (ROE) | 13.6799% | 766 |
| Retained earnings to average equity (ytd only) | 7.1728% | 1,487 |
| Net charge-offs to loans | -0.7216% | 5,042 |
| Credit loss provision to net charge-offs | -2.6619% | 3,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0057% | 1,816 |
| Assets per employee ($millions) | 3.2868% | 4,645 |
| Cash dividends to net income (ytd only)* | 47.5668% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 705 |
| Loan loss allowance to noncurrent loans | 385.8831% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 2,915 |
| Noncurrent loans to loans | 0.4673% | 2,847 |
| Net loans and leases to total assets | 71.4326% | 2,012 |
| Net loans and leases to deposits | 81.7614% | 2,482 |
| Net loans and leases to core deposits | 84.1148% | 2,842 |
| Total domestic deposits to total assets | 87.3671% | 1,393 |
| Equity capital to assets | 9.9608% | 3,827 |
| Core capital (leverage) ratio | 9.5454% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $848,004,500 | 963 |
| Average earning assets | $789,089,000 | 954 |
| Average equity | $85,322,000 | 1,080 |
| Average total loans | $624,701,500 | 910 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2184% | 951 |
| Cost of funding earning assets | 0.6599% | 3,363 |
| Net interest margin | 4.5585% | 630 |
| Noninterest income to average assets | 1.7569% | 318 |
| Noninterest expense to average assets | 4.2397% | 405 |
| Loan and lease loss provision to assets | 0.0581% | 2,871 |
| Net operating income to assets | 1.6315% | 775 |
| Return on assets (ROA) | 1.6328% | 819 |
| Pretax return on assets | 1.6999% | 1,186 |
| Return on Equity (ROE) | 16.8547% | 435 |
| Retained earnings to average equity (ytd only) | 9.4338% | 606 |
| Net charge-offs to loans | 0.0033% | 3,565 |
| Credit loss provision to net charge-offs | 2,370.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 716.2000% | 144 |
| Efficiency ratio | 70.7046% | 2,066 |
| Assets per employee ($millions) | 3.1369% | 4,742 |
| Cash dividends to net income (ytd only)* | 44.0288% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 854 |
| Loan loss allowance to noncurrent loans | 340.4841% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 2,632 |
| Noncurrent loans to loans | 0.4898% | 2,715 |
| Net loans and leases to total assets | 73.3968% | 1,856 |
| Net loans and leases to deposits | 84.4309% | 2,289 |
| Net loans and leases to core deposits | 86.9890% | 2,711 |
| Total domestic deposits to total assets | 86.9312% | 1,644 |
| Equity capital to assets | 10.1678% | 3,763 |
| Core capital (leverage) ratio | 9.6486% | 3,901 |
| Tier 1 risk-based capital ratio | 11.9029% | 4,421 |
| Total risk-based capital ratio | 13.1566% | 4,289 |
| Memoranda: | ||
| Average total assets | $815,417,800 | 958 |
| Average earning assets | $758,335,600 | 951 |
| Average equity | $78,992,800 | 1,100 |
| Average total loans | $614,257,800 | 896 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2866% | 890 |
| Cost of funding earning assets | 0.6569% | 3,417 |
| Net interest margin | 4.6297% | 576 |
| Noninterest income to average assets | 1.7719% | 318 |
| Noninterest expense to average assets | 4.2182% | 405 |
| Loan and lease loss provision to assets | 0.0764% | 2,370 |
| Net operating income to assets | 1.7079% | 731 |
| Return on assets (ROA) | 1.7096% | 768 |
| Pretax return on assets | 1.7856% | 1,124 |
| Return on Equity (ROE) | 17.8728% | 403 |
| Retained earnings to average equity (ytd only) | 11.6512% | 426 |
| Net charge-offs to loans | -0.0452% | 4,811 |
| Credit loss provision to net charge-offs | -224.0385% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3970% | 2,204 |
| Assets per employee ($millions) | 3.1531% | 4,790 |
| Cash dividends to net income (ytd only)* | 34.8106% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 842 |
| Loan loss allowance to noncurrent loans | 820.6573% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 3,931 |
| Noncurrent loans to loans | 0.2056% | 3,804 |
| Net loans and leases to total assets | 73.9886% | 1,822 |
| Net loans and leases to deposits | 84.8152% | 2,340 |
| Net loans and leases to core deposits | 87.1749% | 2,807 |
| Total domestic deposits to total assets | 87.2351% | 1,414 |
| Equity capital to assets | 9.9822% | 4,037 |
| Core capital (leverage) ratio | 9.5286% | 4,140 |
| Tier 1 risk-based capital ratio | 11.6740% | 4,579 |
| Total risk-based capital ratio | 12.9280% | 4,486 |
| Memoranda: | ||
| Average total assets | $813,023,500 | 964 |
| Average earning assets | $756,264,250 | 953 |
| Average equity | $77,770,000 | 1,112 |
| Average total loans | $613,875,000 | 899 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2671% | 870 |
| Cost of funding earning assets | 0.6424% | 3,451 |
| Net interest margin | 4.6247% | 587 |
| Noninterest income to average assets | 1.7379% | 323 |
| Noninterest expense to average assets | 4.2589% | 378 |
| Loan and lease loss provision to assets | 0.1088% | 1,720 |
| Net operating income to assets | 1.6051% | 901 |
| Return on assets (ROA) | 1.6051% | 939 |
| Pretax return on assets | 1.6682% | 1,340 |
| Return on Equity (ROE) | 17.0330% | 459 |
| Retained earnings to average equity (ytd only) | 9.9731% | 764 |
| Net charge-offs to loans | -0.1809% | 5,118 |
| Credit loss provision to net charge-offs | -79.5660% | 3,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5593% | 2,143 |
| Assets per employee ($millions) | 3.1093% | 4,835 |
| Cash dividends to net income (ytd only)* | 41.4484% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7646% | 732 |
| Loan loss allowance to noncurrent loans | 529.5443% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 3,413 |
| Noncurrent loans to loans | 0.3332% | 3,342 |
| Net loans and leases to total assets | 73.0222% | 2,054 |
| Net loans and leases to deposits | 83.2094% | 2,578 |
| Net loans and leases to core deposits | 85.5196% | 2,995 |
| Total domestic deposits to total assets | 87.7570% | 1,218 |
| Equity capital to assets | 9.6221% | 4,294 |
| Core capital (leverage) ratio | 9.2147% | 4,441 |
| Tier 1 risk-based capital ratio | 11.3610% | 4,760 |
| Total risk-based capital ratio | 12.6159% | 4,650 |
| Memoranda: | ||
| Average total assets | $808,658,000 | 967 |
| Average earning assets | $751,527,330 | 961 |
| Average equity | $76,205,000 | 1,125 |
| Average total loans | $611,259,000 | 900 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2156% | 882 |
| Cost of funding earning assets | 0.6193% | 3,469 |
| Net interest margin | 4.5963% | 613 |
| Noninterest income to average assets | 1.6959% | 314 |
| Noninterest expense to average assets | 4.3855% | 339 |
| Loan and lease loss provision to assets | 0.1793% | 927 |
| Net operating income to assets | 1.3483% | 1,532 |
| Return on assets (ROA) | 1.3483% | 1,569 |
| Pretax return on assets | 1.3973% | 2,095 |
| Return on Equity (ROE) | 14.4645% | 862 |
| Retained earnings to average equity (ytd only) | 3.6054% | 3,477 |
| Net charge-offs to loans | 0.0439% | 1,647 |
| Credit loss provision to net charge-offs | 535.8209% | 586 |
| Earnings coverage of net charge-offs (x) | 47.1194% | 1,060 |
| Efficiency ratio | 73.5572% | 1,807 |
| Assets per employee ($millions) | 3.0318% | 4,956 |
| Cash dividends to net income (ytd only)* | 75.0741% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 933 |
| Loan loss allowance to noncurrent loans | 301.6115% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 2,722 |
| Noncurrent loans to loans | 0.5512% | 2,668 |
| Net loans and leases to total assets | 73.3034% | 1,930 |
| Net loans and leases to deposits | 83.1730% | 2,483 |
| Net loans and leases to core deposits | 85.6309% | 2,896 |
| Total domestic deposits to total assets | 88.1337% | 1,265 |
| Equity capital to assets | 9.2359% | 4,494 |
| Core capital (leverage) ratio | 9.0535% | 4,619 |
| Tier 1 risk-based capital ratio | 10.9339% | 5,009 |
| Total risk-based capital ratio | 12.1875% | 4,911 |
| Memoranda: | ||
| Average total assets | $800,999,000 | 970 |
| Average earning assets | $743,460,000 | 970 |
| Average equity | $74,665,500 | 1,139 |
| Average total loans | $610,642,000 | 906 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1426% | 778 |
| Cost of funding earning assets | 0.4819% | 3,466 |
| Net interest margin | 4.6607% | 529 |
| Noninterest income to average assets | 1.9574% | 277 |
| Noninterest expense to average assets | 4.3929% | 331 |
| Loan and lease loss provision to assets | 0.1521% | 1,395 |
| Net operating income to assets | 1.6494% | 774 |
| Return on assets (ROA) | 1.6497% | 775 |
| Pretax return on assets | 1.7215% | 1,111 |
| Return on Equity (ROE) | 18.0527% | 384 |
| Retained earnings to average equity (ytd only) | 13.7944% | 176 |
| Net charge-offs to loans | 0.4085% | 451 |
| Credit loss provision to net charge-offs | 47.0637% | 3,222 |
| Earnings coverage of net charge-offs (x) | 5.7967% | 3,150 |
| Efficiency ratio | 70.1048% | 2,163 |
| Assets per employee ($millions) | 2.9020% | 5,042 |
| Cash dividends to net income (ytd only)* | 23.5881% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 1,031 |
| Loan loss allowance to noncurrent loans | 285.7892% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 2,571 |
| Noncurrent loans to loans | 0.5599% | 2,595 |
| Net loans and leases to total assets | 76.7421% | 1,479 |
| Net loans and leases to deposits | 87.5243% | 2,114 |
| Net loans and leases to core deposits | 90.0427% | 2,573 |
| Total domestic deposits to total assets | 87.6809% | 1,454 |
| Equity capital to assets | 9.4104% | 4,207 |
| Core capital (leverage) ratio | 9.0665% | 4,585 |
| Tier 1 risk-based capital ratio | 10.8201% | 5,056 |
| Total risk-based capital ratio | 12.0733% | 4,944 |
| Memoranda: | ||
| Average total assets | $753,487,000 | 999 |
| Average earning assets | $696,594,600 | 992 |
| Average equity | $68,854,000 | 1,175 |
| Average total loans | $596,110,600 | 902 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0949% | 762 |
| Cost of funding earning assets | 0.4424% | 3,582 |
| Net interest margin | 4.6525% | 523 |
| Noninterest income to average assets | 1.9521% | 287 |
| Noninterest expense to average assets | 4.3916% | 323 |
| Loan and lease loss provision to assets | 0.2050% | 834 |
| Net operating income to assets | 1.5749% | 1,011 |
| Return on assets (ROA) | 1.5753% | 1,011 |
| Pretax return on assets | 1.6567% | 1,393 |
| Return on Equity (ROE) | 17.3753% | 503 |
| Retained earnings to average equity (ytd only) | 12.8879% | 378 |
| Net charge-offs to loans | 0.7218% | 198 |
| Credit loss provision to net charge-offs | 35.7678% | 2,939 |
| Earnings coverage of net charge-offs (x) | 3.2472% | 3,180 |
| Efficiency ratio | 70.2326% | 2,159 |
| Assets per employee ($millions) | 3.0273% | 5,018 |
| Cash dividends to net income (ytd only)* | 25.8262% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 1,474 |
| Loan loss allowance to noncurrent loans | 579.8718% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 3,539 |
| Noncurrent loans to loans | 0.2526% | 3,785 |
| Net loans and leases to total assets | 78.8350% | 1,192 |
| Net loans and leases to deposits | 89.6852% | 1,941 |
| Net loans and leases to core deposits | 92.7175% | 2,415 |
| Total domestic deposits to total assets | 87.9019% | 1,281 |
| Equity capital to assets | 9.1753% | 4,395 |
| Core capital (leverage) ratio | 8.9642% | 4,737 |
| Tier 1 risk-based capital ratio | 10.1392% | 5,352 |
| Total risk-based capital ratio | 11.3904% | 5,281 |
| Memoranda: | ||
| Average total assets | $745,246,750 | 1,002 |
| Average earning assets | $688,929,000 | 1,000 |
| Average equity | $67,565,500 | 1,197 |
| Average total loans | $591,800,500 | 904 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0105% | 796 |
| Cost of funding earning assets | 0.4246% | 3,542 |
| Net interest margin | 4.5859% | 568 |
| Noninterest income to average assets | 1.9716% | 281 |
| Noninterest expense to average assets | 4.4333% | 314 |
| Loan and lease loss provision to assets | 0.2056% | 824 |
| Net operating income to assets | 1.4898% | 1,185 |
| Return on assets (ROA) | 1.4898% | 1,184 |
| Pretax return on assets | 1.5664% | 1,615 |
| Return on Equity (ROE) | 16.5018% | 584 |
| Retained earnings to average equity (ytd only) | 10.9902% | 676 |
| Net charge-offs to loans | 1.1214% | 115 |
| Credit loss provision to net charge-offs | 23.1498% | 2,671 |
| Earnings coverage of net charge-offs (x) | 1.9951% | 3,006 |
| Efficiency ratio | 71.4436% | 2,093 |
| Assets per employee ($millions) | 2.9125% | 5,155 |
| Cash dividends to net income (ytd only)* | 33.4002% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 1,696 |
| Loan loss allowance to noncurrent loans | 469.7102% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 3,427 |
| Noncurrent loans to loans | 0.3014% | 3,621 |
| Net loans and leases to total assets | 78.9892% | 1,163 |
| Net loans and leases to deposits | 89.6062% | 1,896 |
| Net loans and leases to core deposits | 92.2128% | 2,385 |
| Total domestic deposits to total assets | 88.1514% | 1,305 |
| Equity capital to assets | 8.9778% | 4,581 |
| Core capital (leverage) ratio | 8.7414% | 4,935 |
| Tier 1 risk-based capital ratio | 9.6901% | 5,481 |
| Total risk-based capital ratio | 10.9405% | 5,446 |
| Memoranda: | ||
| Average total assets | $736,344,330 | 1,013 |
| Average earning assets | $679,776,670 | 1,018 |
| Average equity | $66,477,670 | 1,212 |
| Average total loans | $583,195,330 | 921 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9457% | 787 |
| Cost of funding earning assets | 0.4194% | 3,449 |
| Net interest margin | 4.5263% | 585 |
| Noninterest income to average assets | 2.0747% | 262 |
| Noninterest expense to average assets | 4.4188% | 319 |
| Loan and lease loss provision to assets | 0.1405% | 1,342 |
| Net operating income to assets | 1.6008% | 860 |
| Return on assets (ROA) | 1.6008% | 861 |
| Pretax return on assets | 1.6845% | 1,154 |
| Return on Equity (ROE) | 17.6799% | 445 |
| Retained earnings to average equity (ytd only) | 14.9412% | 332 |
| Net charge-offs to loans | 2.2729% | 49 |
| Credit loss provision to net charge-offs | 7.8534% | 2,178 |
| Earnings coverage of net charge-offs (x) | 1.0200% | 2,596 |
| Efficiency ratio | 70.7705% | 2,380 |
| Assets per employee ($millions) | 2.8253% | 5,275 |
| Cash dividends to net income (ytd only)* | 15.4905% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 1,781 |
| Loan loss allowance to noncurrent loans | 147.9482% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 1.0275% | 1,527 |
| Noncurrent loans to loans | 0.9563% | 1,915 |
| Net loans and leases to total assets | 77.5447% | 1,306 |
| Net loans and leases to deposits | 88.1258% | 1,914 |
| Net loans and leases to core deposits | 98.9225% | 1,774 |
| Total domestic deposits to total assets | 87.9932% | 1,625 |
| Equity capital to assets | 9.1565% | 4,408 |
| Core capital (leverage) ratio | 8.8735% | 4,824 |
| Tier 1 risk-based capital ratio | 9.7954% | 5,534 |
| Total risk-based capital ratio | 11.0456% | 5,496 |
| Memoranda: | ||
| Average total assets | $725,892,500 | 1,038 |
| Average earning assets | $668,624,000 | 1,044 |
| Average equity | $65,724,500 | 1,229 |
| Average total loans | $571,425,500 | 938 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 709 |
| Cost of funding earning assets | 0.4071% | 3,186 |
| Net interest margin | 4.5438% | 558 |
| Noninterest income to average assets | 1.8997% | 317 |
| Noninterest expense to average assets | 4.5675% | 300 |
| Loan and lease loss provision to assets | 1.2975% | 69 |
| Net operating income to assets | 0.2006% | 5,107 |
| Return on assets (ROA) | 0.2326% | 5,059 |
| Pretax return on assets | 0.2326% | 5,278 |
| Return on Equity (ROE) | 2.4294% | 4,967 |
| Retained earnings to average equity (ytd only) | -7.0495% | 5,486 |
| Net charge-offs to loans | 1.5267% | 104 |
| Credit loss provision to net charge-offs | 107.2028% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.2378% | 3,913 |
| Efficiency ratio | 75.3012% | 1,714 |
| Assets per employee ($millions) | 2.8093% | 5,315 |
| Cash dividends to net income (ytd only)* | 390.1759% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 1,408 |
| Loan loss allowance to noncurrent loans | 577.4324% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 2,755 |
| Noncurrent loans to loans | 0.2599% | 3,857 |
| Net loans and leases to total assets | 77.3939% | 1,363 |
| Net loans and leases to deposits | 88.1098% | 2,007 |
| Net loans and leases to core deposits | 99.9775% | 1,718 |
| Total domestic deposits to total assets | 87.8381% | 1,589 |
| Equity capital to assets | 9.1949% | 4,533 |
| Core capital (leverage) ratio | 8.8342% | 4,829 |
| Tier 1 risk-based capital ratio | 9.9594% | 5,544 |
| Total risk-based capital ratio | 11.2106% | 5,490 |
| Memoranda: | ||
| Average total assets | $708,885,200 | 1,031 |
| Average earning assets | $649,915,000 | 1,036 |
| Average equity | $67,876,800 | 1,181 |
| Average total loans | $562,011,400 | 919 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9504% | 675 |
| Cost of funding earning assets | 0.4077% | 3,110 |
| Net interest margin | 4.5426% | 543 |
| Noninterest income to average assets | 1.8846% | 338 |
| Noninterest expense to average assets | 4.5660% | 301 |
| Loan and lease loss provision to assets | 1.6673% | 51 |
| Net operating income to assets | -0.1869% | 5,573 |
| Return on assets (ROA) | -0.1439% | 5,569 |
| Pretax return on assets | -0.1439% | 5,564 |
| Return on Equity (ROE) | -1.4881% | 5,575 |
| Retained earnings to average equity (ytd only) | -13.2401% | 5,644 |
| Net charge-offs to loans | 1.9421% | 73 |
| Credit loss provision to net charge-offs | 108.0402% | 2,168 |
| Earnings coverage of net charge-offs (x) | 0.9593% | 3,609 |
| Efficiency ratio | 75.5154% | 1,661 |
| Assets per employee ($millions) | 2.7422% | 5,414 |
| Cash dividends to net income (ytd only)* | -789.7510% | 5,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 1,455 |
| Loan loss allowance to noncurrent loans | 313.5135% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.8751% | 1,964 |
| Noncurrent loans to loans | 0.4856% | 3,231 |
| Net loans and leases to total assets | 78.4776% | 1,201 |
| Net loans and leases to deposits | 89.4436% | 1,878 |
| Net loans and leases to core deposits | 99.2764% | 1,771 |
| Total domestic deposits to total assets | 87.7398% | 1,502 |
| Equity capital to assets | 9.1761% | 4,746 |
| Core capital (leverage) ratio | 8.5987% | 5,167 |
| Tier 1 risk-based capital ratio | 9.7783% | 5,636 |
| Total risk-based capital ratio | 11.0299% | 5,608 |
| Memoranda: | ||
| Average total assets | $704,907,250 | 1,044 |
| Average earning assets | $645,807,500 | 1,046 |
| Average equity | $68,185,000 | 1,175 |
| Average total loans | $560,140,500 | 919 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9384% | 638 |
| Cost of funding earning assets | 0.3968% | 3,108 |
| Net interest margin | 4.5416% | 523 |
| Noninterest income to average assets | 1.9172% | 332 |
| Noninterest expense to average assets | 4.4775% | 329 |
| Loan and lease loss provision to assets | 0.2037% | 894 |
| Net operating income to assets | 1.3321% | 1,209 |
| Return on assets (ROA) | 1.3351% | 1,229 |
| Pretax return on assets | 1.3945% | 2,044 |
| Return on Equity (ROE) | 13.5694% | 902 |
| Retained earnings to average equity (ytd only) | -2.5522% | 5,387 |
| Net charge-offs to loans | 0.1603% | 1,202 |
| Credit loss provision to net charge-offs | 160.0446% | 1,462 |
| Earnings coverage of net charge-offs (x) | 12.5335% | 2,184 |
| Efficiency ratio | 73.7335% | 2,064 |
| Assets per employee ($millions) | 2.7393% | 5,456 |
| Cash dividends to net income (ytd only)* | 118.8085% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 1,781 |
| Loan loss allowance to noncurrent loans | 318.2065% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 1,538 |
| Noncurrent loans to loans | 0.4522% | 3,392 |
| Net loans and leases to total assets | 79.1326% | 1,075 |
| Net loans and leases to deposits | 93.0351% | 1,356 |
| Net loans and leases to core deposits | 101.8634% | 1,521 |
| Total domestic deposits to total assets | 85.0567% | 2,784 |
| Equity capital to assets | 9.8398% | 4,095 |
| Core capital (leverage) ratio | 9.4776% | 4,148 |
| Tier 1 risk-based capital ratio | 10.4106% | 5,501 |
| Total risk-based capital ratio | 11.6610% | 5,427 |
| Memoranda: | ||
| Average total assets | $704,048,670 | 1,042 |
| Average earning assets | $644,172,330 | 1,050 |
| Average equity | $69,273,670 | 1,155 |
| Average total loans | $558,920,670 | 921 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8821% | 651 |
| Cost of funding earning assets | 0.3853% | 3,140 |
| Net interest margin | 4.4968% | 527 |
| Noninterest income to average assets | 1.8622% | 343 |
| Noninterest expense to average assets | 4.4201% | 355 |
| Loan and lease loss provision to assets | 0.2133% | 760 |
| Net operating income to assets | 1.2819% | 1,288 |
| Return on assets (ROA) | 1.2878% | 1,301 |
| Pretax return on assets | 1.3489% | 2,065 |
| Return on Equity (ROE) | 13.0889% | 980 |
| Retained earnings to average equity (ytd only) | -12.6136% | 5,631 |
| Net charge-offs to loans | 0.1864% | 914 |
| Credit loss provision to net charge-offs | 144.9612% | 1,238 |
| Earnings coverage of net charge-offs (x) | 10.5736% | 1,931 |
| Efficiency ratio | 73.9645% | 2,240 |
| Assets per employee ($millions) | 2.8201% | 5,476 |
| Cash dividends to net income (ytd only)* | 196.3685% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 1,923 |
| Loan loss allowance to noncurrent loans | 250.0777% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 1,400 |
| Noncurrent loans to loans | 0.5738% | 3,084 |
| Net loans and leases to total assets | 77.1500% | 1,250 |
| Net loans and leases to deposits | 90.2158% | 1,505 |
| Net loans and leases to core deposits | 98.8893% | 1,588 |
| Total domestic deposits to total assets | 85.5172% | 2,879 |
| Equity capital to assets | 9.5263% | 4,265 |
| Core capital (leverage) ratio | 9.4482% | 4,177 |
| Tier 1 risk-based capital ratio | 10.4817% | 5,551 |
| Total risk-based capital ratio | 11.7322% | 5,476 |
| Memoranda: | ||
| Average total assets | $701,335,500 | 1,051 |
| Average earning assets | $641,613,000 | 1,059 |
| Average equity | $69,005,000 | 1,151 |
| Average total loans | $553,569,500 | 931 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 887 |
| Cost of funding earning assets | 0.3583% | 3,432 |
| Net interest margin | 4.4413% | 708 |
| Noninterest income to average assets | 2.1832% | 303 |
| Noninterest expense to average assets | 4.5851% | 347 |
| Loan and lease loss provision to assets | 0.1239% | 1,999 |
| Net operating income to assets | 1.4337% | 949 |
| Return on assets (ROA) | 1.4304% | 978 |
| Pretax return on assets | 1.4993% | 1,586 |
| Return on Equity (ROE) | 14.0537% | 764 |
| Retained earnings to average equity (ytd only) | 8.2406% | 774 |
| Net charge-offs to loans | -0.0482% | 5,387 |
| Credit loss provision to net charge-offs | -338.2716% | 5,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8133% | 2,312 |
| Assets per employee ($millions) | 2.7129% | 5,556 |
| Cash dividends to net income (ytd only)* | 41.3637% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,868 |
| Loan loss allowance to noncurrent loans | 266.3978% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 1.2434% | 1,437 |
| Noncurrent loans to loans | 0.5446% | 3,213 |
| Net loans and leases to total assets | 78.4620% | 1,130 |
| Net loans and leases to deposits | 92.8897% | 1,307 |
| Net loans and leases to core deposits | 101.4970% | 1,489 |
| Total domestic deposits to total assets | 84.4680% | 3,246 |
| Equity capital to assets | 10.1655% | 3,529 |
| Core capital (leverage) ratio | 10.1441% | 3,314 |
| Tier 1 risk-based capital ratio | 10.8742% | 5,403 |
| Total risk-based capital ratio | 12.1248% | 5,297 |
| Memoranda: | ||
| Average total assets | $663,395,000 | 1,068 |
| Average earning assets | $601,736,000 | 1,088 |
| Average equity | $67,519,600 | 1,155 |
| Average total loans | $504,357,600 | 968 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7584% | 969 |
| Cost of funding earning assets | 0.3579% | 3,456 |
| Net interest margin | 4.4005% | 776 |
| Noninterest income to average assets | 2.2443% | 298 |
| Noninterest expense to average assets | 4.5593% | 365 |
| Loan and lease loss provision to assets | 0.1058% | 2,166 |
| Net operating income to assets | 1.4905% | 896 |
| Return on assets (ROA) | 1.4861% | 950 |
| Pretax return on assets | 1.5603% | 1,497 |
| Return on Equity (ROE) | 14.5962% | 718 |
| Retained earnings to average equity (ytd only) | 8.5726% | 952 |
| Net charge-offs to loans | -0.0810% | 5,506 |
| Credit loss provision to net charge-offs | -174.0000% | 4,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1826% | 2,410 |
| Assets per employee ($millions) | 2.6290% | 5,655 |
| Cash dividends to net income (ytd only)* | 41.2687% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 1,798 |
| Loan loss allowance to noncurrent loans | 255.9960% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 1.3319% | 1,424 |
| Noncurrent loans to loans | 0.5821% | 3,262 |
| Net loans and leases to total assets | 76.6906% | 1,410 |
| Net loans and leases to deposits | 91.3358% | 1,594 |
| Net loans and leases to core deposits | 97.5698% | 1,854 |
| Total domestic deposits to total assets | 83.9655% | 3,218 |
| Equity capital to assets | 10.4879% | 3,579 |
| Core capital (leverage) ratio | 10.0870% | 3,458 |
| Tier 1 risk-based capital ratio | 11.2780% | 5,213 |
| Total risk-based capital ratio | 12.5286% | 5,113 |
| Memoranda: | ||
| Average total assets | $657,651,750 | 1,080 |
| Average earning assets | $595,671,250 | 1,098 |
| Average equity | $66,956,250 | 1,176 |
| Average total loans | $493,830,500 | 987 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 1,007 |
| Cost of funding earning assets | 0.3570% | 3,489 |
| Net interest margin | 4.3640% | 829 |
| Noninterest income to average assets | 2.2377% | 299 |
| Noninterest expense to average assets | 4.4321% | 407 |
| Loan and lease loss provision to assets | 0.0485% | 3,180 |
| Net operating income to assets | 1.6166% | 692 |
| Return on assets (ROA) | 1.6100% | 754 |
| Pretax return on assets | 1.6966% | 1,100 |
| Return on Equity (ROE) | 15.9754% | 549 |
| Retained earnings to average equity (ytd only) | 9.5471% | 703 |
| Net charge-offs to loans | -0.1727% | 5,781 |
| Credit loss provision to net charge-offs | -37.8571% | 4,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6687% | 2,720 |
| Assets per employee ($millions) | 2.6019% | 5,734 |
| Cash dividends to net income (ytd only)* | 40.2386% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 1,919 |
| Loan loss allowance to noncurrent loans | 248.3139% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 1.3674% | 1,445 |
| Noncurrent loans to loans | 0.5981% | 3,270 |
| Net loans and leases to total assets | 74.6476% | 1,709 |
| Net loans and leases to deposits | 88.9946% | 1,868 |
| Net loans and leases to core deposits | 93.4124% | 2,220 |
| Total domestic deposits to total assets | 83.8788% | 3,316 |
| Equity capital to assets | 10.3508% | 3,793 |
| Core capital (leverage) ratio | 9.9237% | 3,656 |
| Tier 1 risk-based capital ratio | 11.3935% | 5,219 |
| Total risk-based capital ratio | 12.6440% | 5,114 |
| Memoranda: | ||
| Average total assets | $656,034,330 | 1,085 |
| Average earning assets | $593,262,000 | 1,106 |
| Average equity | $66,114,000 | 1,192 |
| Average total loans | $486,519,670 | 1,004 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 1,140 |
| Cost of funding earning assets | 0.3567% | 3,535 |
| Net interest margin | 4.2959% | 939 |
| Noninterest income to average assets | 2.0734% | 327 |
| Noninterest expense to average assets | 4.3886% | 428 |
| Loan and lease loss provision to assets | 0.0202% | 3,426 |
| Net operating income to assets | 1.4699% | 905 |
| Return on assets (ROA) | 1.4682% | 952 |
| Pretax return on assets | 1.5471% | 1,447 |
| Return on Equity (ROE) | 14.7705% | 709 |
| Retained earnings to average equity (ytd only) | 7.2282% | 1,781 |
| Net charge-offs to loans | -0.3730% | 5,961 |
| Credit loss provision to net charge-offs | -7.3826% | 4,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6620% | 2,535 |
| Assets per employee ($millions) | 2.6549% | 5,756 |
| Cash dividends to net income (ytd only)* | 51.0629% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 1,850 |
| Loan loss allowance to noncurrent loans | 259.4767% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 1.3821% | 1,512 |
| Noncurrent loans to loans | 0.5915% | 3,418 |
| Net loans and leases to total assets | 71.7861% | 2,075 |
| Net loans and leases to deposits | 84.9045% | 2,205 |
| Net loans and leases to core deposits | 89.5378% | 2,415 |
| Total domestic deposits to total assets | 84.5492% | 3,296 |
| Equity capital to assets | 10.0296% | 4,040 |
| Core capital (leverage) ratio | 9.7464% | 3,851 |
| Tier 1 risk-based capital ratio | 11.5555% | 5,197 |
| Total risk-based capital ratio | 12.8071% | 5,102 |
| Memoranda: | ||
| Average total assets | $653,607,000 | 1,084 |
| Average earning assets | $590,985,500 | 1,106 |
| Average equity | $64,967,500 | 1,200 |
| Average total loans | $479,392,000 | 1,011 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7268% | 1,055 |
| Cost of funding earning assets | 0.3726% | 3,453 |
| Net interest margin | 4.3542% | 869 |
| Noninterest income to average assets | 2.1455% | 317 |
| Noninterest expense to average assets | 4.6021% | 382 |
| Loan and lease loss provision to assets | 0.2178% | 950 |
| Net operating income to assets | 1.1486% | 1,738 |
| Return on assets (ROA) | 1.1667% | 1,753 |
| Pretax return on assets | 1.2209% | 2,588 |
| Return on Equity (ROE) | 11.8733% | 1,335 |
| Retained earnings to average equity (ytd only) | 7.2433% | 1,180 |
| Net charge-offs to loans | 0.2297% | 1,295 |
| Credit loss provision to net charge-offs | 131.4532% | 1,992 |
| Earnings coverage of net charge-offs (x) | 8.5688% | 2,931 |
| Efficiency ratio | 76.4225% | 2,204 |
| Assets per employee ($millions) | 2.6699% | 5,795 |
| Cash dividends to net income (ytd only)* | 38.9952% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 2,309 |
| Loan loss allowance to noncurrent loans | 170.2582% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 1.7286% | 1,110 |
| Noncurrent loans to loans | 0.8379% | 2,692 |
| Net loans and leases to total assets | 72.7363% | 1,932 |
| Net loans and leases to deposits | 86.1891% | 2,108 |
| Net loans and leases to core deposits | 89.8526% | 2,413 |
| Total domestic deposits to total assets | 84.3915% | 3,334 |
| Equity capital to assets | 9.8495% | 4,130 |
| Core capital (leverage) ratio | 9.7956% | 3,783 |
| Tier 1 risk-based capital ratio | 11.7980% | 5,070 |
| Total risk-based capital ratio | 13.0490% | 4,990 |
| Memoranda: | ||
| Average total assets | $631,275,200 | 1,082 |
| Average earning assets | $562,012,600 | 1,119 |
| Average equity | $62,029,800 | 1,214 |
| Average total loans | $455,372,600 | 1,013 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 1,047 |
| Cost of funding earning assets | 0.3784% | 3,459 |
| Net interest margin | 4.3546% | 869 |
| Noninterest income to average assets | 2.1570% | 324 |
| Noninterest expense to average assets | 4.5891% | 386 |
| Loan and lease loss provision to assets | 0.2023% | 990 |
| Net operating income to assets | 1.1713% | 1,745 |
| Return on assets (ROA) | 1.1940% | 1,734 |
| Pretax return on assets | 1.2511% | 2,598 |
| Return on Equity (ROE) | 12.1588% | 1,333 |
| Retained earnings to average equity (ytd only) | 7.4973% | 1,443 |
| Net charge-offs to loans | 0.2346% | 1,120 |
| Credit loss provision to net charge-offs | 120.2532% | 1,980 |
| Earnings coverage of net charge-offs (x) | 8.4987% | 2,808 |
| Efficiency ratio | 76.2488% | 2,206 |
| Assets per employee ($millions) | 2.6003% | 5,907 |
| Cash dividends to net income (ytd only)* | 38.3381% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 2,504 |
| Loan loss allowance to noncurrent loans | 158.0950% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 1.7703% | 1,219 |
| Noncurrent loans to loans | 0.8982% | 2,725 |
| Net loans and leases to total assets | 73.1885% | 1,870 |
| Net loans and leases to deposits | 86.9306% | 2,036 |
| Net loans and leases to core deposits | 89.6785% | 2,496 |
| Total domestic deposits to total assets | 84.1919% | 3,344 |
| Equity capital to assets | 10.0087% | 4,135 |
| Core capital (leverage) ratio | 9.6499% | 4,106 |
| Tier 1 risk-based capital ratio | 11.2838% | 5,499 |
| Total risk-based capital ratio | 12.5317% | 5,401 |
| Memoranda: | ||
| Average total assets | $626,227,500 | 1,095 |
| Average earning assets | $555,328,000 | 1,136 |
| Average equity | $61,495,750 | 1,229 |
| Average total loans | $449,038,250 | 1,031 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7654% | 958 |
| Cost of funding earning assets | 0.3836% | 3,439 |
| Net interest margin | 4.3818% | 784 |
| Noninterest income to average assets | 1.9904% | 375 |
| Noninterest expense to average assets | 4.5384% | 408 |
| Loan and lease loss provision to assets | 0.2085% | 934 |
| Net operating income to assets | 1.0843% | 1,999 |
| Return on assets (ROA) | 1.0852% | 2,101 |
| Pretax return on assets | 1.1324% | 3,041 |
| Return on Equity (ROE) | 11.1233% | 1,641 |
| Retained earnings to average equity (ytd only) | 6.9213% | 1,735 |
| Net charge-offs to loans | 0.2925% | 898 |
| Credit loss provision to net charge-offs | 100.6192% | 2,027 |
| Earnings coverage of net charge-offs (x) | 6.4659% | 2,780 |
| Efficiency ratio | 77.2060% | 2,173 |
| Assets per employee ($millions) | 2.5952% | 5,982 |
| Cash dividends to net income (ytd only)* | 37.7771% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 2,439 |
| Loan loss allowance to noncurrent loans | 162.7397% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 1.9454% | 1,148 |
| Noncurrent loans to loans | 0.8991% | 2,878 |
| Net loans and leases to total assets | 70.0670% | 2,302 |
| Net loans and leases to deposits | 82.9881% | 2,438 |
| Net loans and leases to core deposits | 85.9089% | 2,779 |
| Total domestic deposits to total assets | 84.4302% | 3,384 |
| Equity capital to assets | 9.7689% | 4,318 |
| Core capital (leverage) ratio | 9.4672% | 4,318 |
| Tier 1 risk-based capital ratio | 11.0014% | 5,709 |
| Total risk-based capital ratio | 12.2180% | 5,641 |
| Memoranda: | ||
| Average total assets | $623,481,000 | 1,104 |
| Average earning assets | $553,200,670 | 1,135 |
| Average equity | $60,827,000 | 1,256 |
| Average total loans | $441,702,330 | 1,043 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6862% | 1,055 |
| Cost of funding earning assets | 0.3978% | 3,330 |
| Net interest margin | 4.2885% | 897 |
| Noninterest income to average assets | 1.9240% | 377 |
| Noninterest expense to average assets | 4.6001% | 400 |
| Loan and lease loss provision to assets | 0.2215% | 799 |
| Net operating income to assets | 0.8777% | 2,854 |
| Return on assets (ROA) | 0.8777% | 2,984 |
| Pretax return on assets | 0.9137% | 3,839 |
| Return on Equity (ROE) | 9.0020% | 2,447 |
| Retained earnings to average equity (ytd only) | 5.9111% | 2,547 |
| Net charge-offs to loans | 0.3988% | 612 |
| Credit loss provision to net charge-offs | 78.5388% | 1,843 |
| Earnings coverage of net charge-offs (x) | 4.0251% | 2,541 |
| Efficiency ratio | 80.2066% | 1,874 |
| Assets per employee ($millions) | 2.6503% | 6,006 |
| Cash dividends to net income (ytd only)* | 34.3360% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 2,644 |
| Loan loss allowance to noncurrent loans | 151.6616% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 2.1687% | 1,062 |
| Noncurrent loans to loans | 0.9599% | 2,857 |
| Net loans and leases to total assets | 69.3506% | 2,228 |
| Net loans and leases to deposits | 82.0355% | 2,337 |
| Net loans and leases to core deposits | 85.2225% | 2,628 |
| Total domestic deposits to total assets | 84.5374% | 3,606 |
| Equity capital to assets | 9.7642% | 4,418 |
| Core capital (leverage) ratio | 9.4062% | 4,420 |
| Tier 1 risk-based capital ratio | 10.7572% | 5,915 |
| Total risk-based capital ratio | 11.7939% | 5,933 |
| Memoranda: | ||
| Average total assets | $621,204,000 | 1,118 |
| Average earning assets | $552,086,000 | 1,143 |
| Average equity | $60,564,500 | 1,266 |
| Average total loans | $439,264,000 | 1,050 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 1,308 |
| Cost of funding earning assets | 0.4628% | 3,041 |
| Net interest margin | 4.2376% | 1,193 |
| Noninterest income to average assets | 2.1556% | 303 |
| Noninterest expense to average assets | 4.9807% | 308 |
| Loan and lease loss provision to assets | 0.1349% | 1,938 |
| Net operating income to assets | 0.7825% | 3,459 |
| Return on assets (ROA) | 0.8068% | 3,431 |
| Pretax return on assets | 0.8418% | 4,104 |
| Return on Equity (ROE) | 8.5564% | 2,810 |
| Retained earnings to average equity (ytd only) | 1.5437% | 5,057 |
| Net charge-offs to loans | 0.0698% | 3,479 |
| Credit loss provision to net charge-offs | 279.6610% | 910 |
| Earnings coverage of net charge-offs (x) | 19.7186% | 1,764 |
| Efficiency ratio | 83.9624% | 1,415 |
| Assets per employee ($millions) | 2.6140% | 6,092 |
| Cash dividends to net income (ytd only)* | 81.9582% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 2,501 |
| Loan loss allowance to noncurrent loans | 156.2335% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 2.2173% | 1,096 |
| Noncurrent loans to loans | 0.9574% | 2,935 |
| Net loans and leases to total assets | 69.9930% | 2,240 |
| Net loans and leases to deposits | 83.1526% | 2,319 |
| Net loans and leases to core deposits | 86.1128% | 2,678 |
| Total domestic deposits to total assets | 84.1742% | 3,641 |
| Equity capital to assets | 9.7346% | 4,428 |
| Core capital (leverage) ratio | 9.4203% | 4,361 |
| Tier 1 risk-based capital ratio | 11.5160% | 5,651 |
| Total risk-based capital ratio | 12.7389% | 5,585 |
| Memoranda: | ||
| Average total assets | $611,434,400 | 1,084 |
| Average earning assets | $544,905,600 | 1,105 |
| Average equity | $57,653,000 | 1,268 |
| Average total loans | $422,628,000 | 1,039 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 1,476 |
| Cost of funding earning assets | 0.4662% | 3,089 |
| Net interest margin | 4.1688% | 1,380 |
| Noninterest income to average assets | 2.1220% | 311 |
| Noninterest expense to average assets | 4.8337% | 347 |
| Loan and lease loss provision to assets | 0.1430% | 1,755 |
| Net operating income to assets | 0.8417% | 3,225 |
| Return on assets (ROA) | 0.8658% | 3,182 |
| Pretax return on assets | 0.8951% | 4,009 |
| Return on Equity (ROE) | 9.2580% | 2,565 |
| Retained earnings to average equity (ytd only) | 2.5468% | 4,773 |
| Net charge-offs to loans | 0.0782% | 3,084 |
| Credit loss provision to net charge-offs | 266.2602% | 1,003 |
| Earnings coverage of net charge-offs (x) | 18.8660% | 1,812 |
| Efficiency ratio | 82.6712% | 1,528 |
| Assets per employee ($millions) | 2.5547% | 6,186 |
| Cash dividends to net income (ytd only)* | 72.4912% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 2,814 |
| Loan loss allowance to noncurrent loans | 125.0098% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 2.2868% | 1,193 |
| Noncurrent loans to loans | 1.1857% | 2,687 |
| Net loans and leases to total assets | 70.9432% | 2,036 |
| Net loans and leases to deposits | 84.3319% | 2,102 |
| Net loans and leases to core deposits | 88.0409% | 2,425 |
| Total domestic deposits to total assets | 84.1238% | 3,711 |
| Equity capital to assets | 9.8699% | 4,331 |
| Core capital (leverage) ratio | 9.4741% | 4,414 |
| Tier 1 risk-based capital ratio | 11.8990% | 5,555 |
| Total risk-based capital ratio | 13.1419% | 5,481 |
| Memoranda: | ||
| Average total assets | $610,719,500 | 1,096 |
| Average earning assets | $545,697,000 | 1,111 |
| Average equity | $57,116,500 | 1,289 |
| Average total loans | $419,162,000 | 1,046 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 1,624 |
| Cost of funding earning assets | 0.4992% | 2,841 |
| Net interest margin | 4.0668% | 1,618 |
| Noninterest income to average assets | 2.2754% | 284 |
| Noninterest expense to average assets | 4.9132% | 328 |
| Loan and lease loss provision to assets | 0.2115% | 1,120 |
| Net operating income to assets | 0.7415% | 3,615 |
| Return on assets (ROA) | 0.7747% | 3,549 |
| Pretax return on assets | 0.7969% | 4,278 |
| Return on Equity (ROE) | 8.6463% | 2,761 |
| Retained earnings to average equity (ytd only) | 4.6089% | 3,224 |
| Net charge-offs to loans | 0.1572% | 2,134 |
| Credit loss provision to net charge-offs | 197.9167% | 1,185 |
| Earnings coverage of net charge-offs (x) | 9.1181% | 2,399 |
| Efficiency ratio | 83.4520% | 1,577 |
| Assets per employee ($millions) | 2.2840% | 6,408 |
| Cash dividends to net income (ytd only)* | 46.6954% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 2,782 |
| Loan loss allowance to noncurrent loans | 100.0528% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 2.5775% | 1,071 |
| Noncurrent loans to loans | 1.5236% | 2,281 |
| Net loans and leases to total assets | 69.5948% | 2,143 |
| Net loans and leases to deposits | 83.3202% | 2,112 |
| Net loans and leases to core deposits | 87.4447% | 2,370 |
| Total domestic deposits to total assets | 83.5269% | 4,098 |
| Equity capital to assets | 9.4936% | 4,757 |
| Core capital (leverage) ratio | 9.2922% | 4,601 |
| Tier 1 risk-based capital ratio | 11.6552% | 5,716 |
| Total risk-based capital ratio | 12.9067% | 5,664 |
| Memoranda: | ||
| Average total assets | $539,076,330 | 1,250 |
| Average earning assets | $478,809,670 | 1,286 |
| Average equity | $48,298,330 | 1,480 |
| Average total loans | $366,405,330 | 1,206 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4082% | 2,109 |
| Cost of funding earning assets | 0.5005% | 2,906 |
| Net interest margin | 3.9077% | 2,060 |
| Noninterest income to average assets | 2.0242% | 333 |
| Noninterest expense to average assets | 4.8009% | 356 |
| Loan and lease loss provision to assets | 0.1982% | 1,179 |
| Net operating income to assets | 0.4974% | 4,705 |
| Return on assets (ROA) | 0.5345% | 4,605 |
| Pretax return on assets | 0.5418% | 5,040 |
| Return on Equity (ROE) | 6.1430% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.1430% | 2,460 |
| Net charge-offs to loans | 0.2996% | 1,165 |
| Credit loss provision to net charge-offs | 99.2647% | 1,712 |
| Earnings coverage of net charge-offs (x) | 3.5184% | 2,673 |
| Efficiency ratio | 87.2332% | 1,316 |
| Assets per employee ($millions) | 2.2210% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 3,217 |
| Loan loss allowance to noncurrent loans | 74.9168% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 2.6989% | 1,132 |
| Noncurrent loans to loans | 1.9792% | 1,888 |
| Net loans and leases to total assets | 67.5928% | 2,285 |
| Net loans and leases to deposits | 81.7723% | 2,069 |
| Net loans and leases to core deposits | 86.3145% | 2,285 |
| Total domestic deposits to total assets | 82.6597% | 4,732 |
| Equity capital to assets | 9.1915% | 4,882 |
| Core capital (leverage) ratio | 8.9697% | 5,060 |
| Tier 1 risk-based capital ratio | 11.6172% | 5,849 |
| Total risk-based capital ratio | 12.8551% | 5,810 |
| Memoranda: | ||
| Average total assets | $544,814,500 | 1,241 |
| Average earning assets | $485,095,000 | 1,278 |
| Average equity | $47,403,500 | 1,503 |
| Average total loans | $363,175,000 | 1,220 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 1,323 |
| Cost of funding earning assets | 0.5671% | 2,953 |
| Net interest margin | 4.2310% | 1,270 |
| Noninterest income to average assets | 2.0329% | 382 |
| Noninterest expense to average assets | 4.6895% | 449 |
| Loan and lease loss provision to assets | 0.4978% | 563 |
| Net operating income to assets | 0.5555% | 4,478 |
| Return on assets (ROA) | 0.7952% | 3,412 |
| Pretax return on assets | 0.8108% | 4,104 |
| Return on Equity (ROE) | 8.6415% | 2,729 |
| Retained earnings to average equity (ytd only) | -0.0695% | 5,880 |
| Net charge-offs to loans | 0.6457% | 1,005 |
| Credit loss provision to net charge-offs | 119.5485% | 2,003 |
| Earnings coverage of net charge-offs (x) | 2.5553% | 4,156 |
| Efficiency ratio | 81.4644% | 1,953 |
| Assets per employee ($millions) | 2.3479% | 6,490 |
| Cash dividends to net income (ytd only)* | 100.8038% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 3,239 |
| Loan loss allowance to noncurrent loans | 44.2497% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 2.9162% | 1,094 |
| Noncurrent loans to loans | 3.3709% | 955 |
| Net loans and leases to total assets | 63.8415% | 3,065 |
| Net loans and leases to deposits | 75.6830% | 2,999 |
| Net loans and leases to core deposits | 81.6010% | 2,944 |
| Total domestic deposits to total assets | 84.3538% | 4,035 |
| Equity capital to assets | 8.2348% | 5,837 |
| Core capital (leverage) ratio | 8.8793% | 5,165 |
| Tier 1 risk-based capital ratio | 12.0995% | 5,560 |
| Total risk-based capital ratio | 13.3510% | 5,496 |
| Memoranda: | ||
| Average total assets | $531,959,400 | 1,250 |
| Average earning assets | $467,783,200 | 1,302 |
| Average equity | $48,950,000 | 1,440 |
| Average total loans | $343,038,200 | 1,248 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7888% | 1,375 |
| Cost of funding earning assets | 0.5827% | 2,974 |
| Net interest margin | 4.2061% | 1,312 |
| Noninterest income to average assets | 2.0818% | 398 |
| Noninterest expense to average assets | 4.5725% | 480 |
| Loan and lease loss provision to assets | 0.2153% | 1,690 |
| Net operating income to assets | 0.9102% | 2,778 |
| Return on assets (ROA) | 0.9999% | 2,463 |
| Pretax return on assets | 1.0717% | 3,217 |
| Return on Equity (ROE) | 10.5707% | 1,973 |
| Retained earnings to average equity (ytd only) | 2.2140% | 4,997 |
| Net charge-offs to loans | 0.4060% | 1,579 |
| Credit loss provision to net charge-offs | 82.3301% | 2,787 |
| Earnings coverage of net charge-offs (x) | 4.5534% | 3,413 |
| Efficiency ratio | 79.2847% | 2,221 |
| Assets per employee ($millions) | 2.3051% | 6,596 |
| Cash dividends to net income (ytd only)* | 79.0557% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 3,907 |
| Loan loss allowance to noncurrent loans | 39.5685% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 3.2071% | 1,114 |
| Noncurrent loans to loans | 3.5312% | 1,074 |
| Net loans and leases to total assets | 63.7173% | 3,039 |
| Net loans and leases to deposits | 78.3723% | 2,606 |
| Net loans and leases to core deposits | 82.7579% | 2,799 |
| Total domestic deposits to total assets | 81.3008% | 5,135 |
| Equity capital to assets | 9.1853% | 4,957 |
| Core capital (leverage) ratio | 9.3724% | 4,572 |
| Tier 1 risk-based capital ratio | 12.3054% | 5,566 |
| Total risk-based capital ratio | 13.5127% | 5,533 |
| Memoranda: | ||
| Average total assets | $525,246,250 | 1,280 |
| Average earning assets | $459,702,000 | 1,326 |
| Average equity | $49,683,250 | 1,432 |
| Average total loans | $338,258,750 | 1,264 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 1,137 |
| Cost of funding earning assets | 0.5999% | 2,939 |
| Net interest margin | 4.2826% | 1,063 |
| Noninterest income to average assets | 2.0431% | 429 |
| Noninterest expense to average assets | 4.5431% | 503 |
| Loan and lease loss provision to assets | 0.0718% | 3,602 |
| Net operating income to assets | 1.0598% | 2,079 |
| Return on assets (ROA) | 1.1852% | 1,741 |
| Pretax return on assets | 1.2891% | 2,340 |
| Return on Equity (ROE) | 12.4091% | 1,375 |
| Retained earnings to average equity (ytd only) | 5.6107% | 2,669 |
| Net charge-offs to loans | 0.1199% | 3,164 |
| Credit loss provision to net charge-offs | 93.0693% | 2,372 |
| Earnings coverage of net charge-offs (x) | 15.8713% | 1,704 |
| Efficiency ratio | 78.6887% | 2,351 |
| Assets per employee ($millions) | 2.2661% | 6,652 |
| Cash dividends to net income (ytd only)* | 54.7857% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 3,690 |
| Loan loss allowance to noncurrent loans | 46.4430% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 3.2291% | 1,228 |
| Noncurrent loans to loans | 3.1803% | 1,382 |
| Net loans and leases to total assets | 63.6911% | 2,968 |
| Net loans and leases to deposits | 76.4322% | 2,817 |
| Net loans and leases to core deposits | 80.6449% | 2,960 |
| Total domestic deposits to total assets | 83.3301% | 4,579 |
| Equity capital to assets | 9.6001% | 4,451 |
| Core capital (leverage) ratio | 9.5223% | 4,212 |
| Tier 1 risk-based capital ratio | 12.4897% | 5,510 |
| Total risk-based capital ratio | 13.7015% | 5,477 |
| Memoranda: | ||
| Average total assets | $523,604,000 | 1,280 |
| Average earning assets | $455,381,330 | 1,334 |
| Average equity | $50,011,670 | 1,429 |
| Average total loans | $336,812,000 | 1,261 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1641% | 659 |
| Cost of funding earning assets | 0.6125% | 2,989 |
| Net interest margin | 4.5516% | 619 |
| Noninterest income to average assets | 1.9751% | 437 |
| Noninterest expense to average assets | 4.4476% | 557 |
| Loan and lease loss provision to assets | 0.1430% | 2,453 |
| Net operating income to assets | 1.1726% | 1,604 |
| Return on assets (ROA) | 1.2884% | 1,413 |
| Pretax return on assets | 1.4481% | 1,713 |
| Return on Equity (ROE) | 13.5227% | 1,052 |
| Retained earnings to average equity (ytd only) | 1.5486% | 5,212 |
| Net charge-offs to loans | 0.0071% | 4,011 |
| Credit loss provision to net charge-offs | 3,133.3333% | 89 |
| Earnings coverage of net charge-offs (x) | 320.1667% | 119 |
| Efficiency ratio | 75.1705% | 3,067 |
| Assets per employee ($millions) | 2.4261% | 6,643 |
| Cash dividends to net income (ytd only)* | 88.5478% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 3,700 |
| Loan loss allowance to noncurrent loans | 41.5236% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 3.4727% | 1,227 |
| Noncurrent loans to loans | 3.6846% | 1,280 |
| Net loans and leases to total assets | 63.5563% | 2,795 |
| Net loans and leases to deposits | 75.8648% | 2,658 |
| Net loans and leases to core deposits | 80.6517% | 2,728 |
| Total domestic deposits to total assets | 83.7757% | 4,565 |
| Equity capital to assets | 9.5205% | 4,823 |
| Core capital (leverage) ratio | 9.3745% | 4,283 |
| Tier 1 risk-based capital ratio | 12.6074% | 5,516 |
| Total risk-based capital ratio | 13.8521% | 5,462 |
| Memoranda: | ||
| Average total assets | $525,941,000 | 1,286 |
| Average earning assets | $454,521,500 | 1,355 |
| Average equity | $50,108,500 | 1,450 |
| Average total loans | $337,484,500 | 1,258 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 2,056 |
| Cost of funding earning assets | 0.7906% | 2,742 |
| Net interest margin | 4.0503% | 2,199 |
| Noninterest income to average assets | 2.1369% | 396 |
| Noninterest expense to average assets | 4.5167% | 566 |
| Loan and lease loss provision to assets | 0.3146% | 2,175 |
| Net operating income to assets | 0.8240% | 3,163 |
| Return on assets (ROA) | 0.9109% | 3,004 |
| Pretax return on assets | 0.9220% | 3,848 |
| Return on Equity (ROE) | 10.0505% | 2,148 |
| Retained earnings to average equity (ytd only) | 10.0505% | 590 |
| Net charge-offs to loans | 0.4095% | 2,615 |
| Credit loss provision to net charge-offs | 115.5983% | 2,504 |
| Earnings coverage of net charge-offs (x) | 4.2208% | 3,438 |
| Efficiency ratio | 79.3875% | 2,227 |
| Assets per employee ($millions) | 2.4324% | 6,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 3,875 |
| Loan loss allowance to noncurrent loans | 39.2093% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 3.4933% | 1,301 |
| Noncurrent loans to loans | 3.7461% | 1,298 |
| Net loans and leases to total assets | 62.8607% | 3,086 |
| Net loans and leases to deposits | 75.0825% | 2,948 |
| Net loans and leases to core deposits | 79.7515% | 3,042 |
| Total domestic deposits to total assets | 83.7222% | 4,427 |
| Equity capital to assets | 9.5342% | 4,829 |
| Core capital (leverage) ratio | 9.2851% | 4,442 |
| Tier 1 risk-based capital ratio | 12.5841% | 5,410 |
| Total risk-based capital ratio | 13.8084% | 5,385 |
| Memoranda: | ||
| Average total assets | $515,838,600 | 1,295 |
| Average earning assets | $449,404,200 | 1,353 |
| Average equity | $46,754,000 | 1,493 |
| Average total loans | $342,816,000 | 1,231 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8474% | 2,208 |
| Cost of funding earning assets | 0.8327% | 2,686 |
| Net interest margin | 4.0147% | 2,449 |
| Noninterest income to average assets | 2.1219% | 392 |
| Noninterest expense to average assets | 4.5033% | 537 |
| Loan and lease loss provision to assets | 0.3118% | 2,115 |
| Net operating income to assets | 0.8134% | 3,381 |
| Return on assets (ROA) | 0.8644% | 3,400 |
| Pretax return on assets | 0.8722% | 4,218 |
| Return on Equity (ROE) | 9.6672% | 2,514 |
| Retained earnings to average equity (ytd only) | 9.6672% | 1,008 |
| Net charge-offs to loans | 0.3547% | 2,683 |
| Credit loss provision to net charge-offs | 130.9290% | 2,201 |
| Earnings coverage of net charge-offs (x) | 4.7552% | 3,212 |
| Efficiency ratio | 79.5631% | 2,162 |
| Assets per employee ($millions) | 2.2603% | 6,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 3,955 |
| Loan loss allowance to noncurrent loans | 37.5317% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 4.0457% | 1,190 |
| Noncurrent loans to loans | 3.9950% | 1,282 |
| Net loans and leases to total assets | 65.0142% | 2,838 |
| Net loans and leases to deposits | 77.7932% | 2,693 |
| Net loans and leases to core deposits | 82.5446% | 2,888 |
| Total domestic deposits to total assets | 83.5732% | 4,400 |
| Equity capital to assets | 9.3845% | 5,359 |
| Core capital (leverage) ratio | 9.1385% | 4,850 |
| Tier 1 risk-based capital ratio | 11.6593% | 6,143 |
| Total risk-based capital ratio | 12.8044% | 6,170 |
| Memoranda: | ||
| Average total assets | $512,231,000 | 1,322 |
| Average earning assets | $448,342,750 | 1,370 |
| Average equity | $45,803,250 | 1,535 |
| Average total loans | $343,945,000 | 1,237 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8999% | 2,109 |
| Cost of funding earning assets | 0.8474% | 2,815 |
| Net interest margin | 4.0525% | 2,284 |
| Noninterest income to average assets | 2.2853% | 331 |
| Noninterest expense to average assets | 4.4331% | 586 |
| Loan and lease loss provision to assets | 0.2610% | 2,487 |
| Net operating income to assets | 1.1156% | 1,994 |
| Return on assets (ROA) | 1.1904% | 1,943 |
| Pretax return on assets | 1.2079% | 2,885 |
| Return on Equity (ROE) | 13.5334% | 1,226 |
| Retained earnings to average equity (ytd only) | 13.5334% | 384 |
| Net charge-offs to loans | 0.2296% | 3,193 |
| Credit loss provision to net charge-offs | 168.3417% | 1,661 |
| Earnings coverage of net charge-offs (x) | 8.9874% | 2,221 |
| Efficiency ratio | 75.7588% | 2,774 |
| Assets per employee ($millions) | 2.3508% | 6,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 4,231 |
| Loan loss allowance to noncurrent loans | 42.8133% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 3.7576% | 1,382 |
| Noncurrent loans to loans | 3.3974% | 1,705 |
| Net loans and leases to total assets | 65.4888% | 2,774 |
| Net loans and leases to deposits | 77.8776% | 2,693 |
| Net loans and leases to core deposits | 82.5910% | 2,886 |
| Total domestic deposits to total assets | 84.0919% | 4,282 |
| Equity capital to assets | 8.9896% | 5,710 |
| Core capital (leverage) ratio | 9.0571% | 4,825 |
| Tier 1 risk-based capital ratio | 11.3821% | 6,290 |
| Total risk-based capital ratio | 12.5272% | 6,332 |
| Memoranda: | ||
| Average total assets | $513,453,330 | 1,320 |
| Average earning assets | $448,659,000 | 1,379 |
| Average equity | $45,162,330 | 1,545 |
| Average total loans | $346,702,670 | 1,210 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8939% | 2,264 |
| Cost of funding earning assets | 0.8808% | 2,831 |
| Net interest margin | 4.0131% | 2,450 |
| Noninterest income to average assets | 2.5250% | 298 |
| Noninterest expense to average assets | 4.5759% | 519 |
| Loan and lease loss provision to assets | 0.1567% | 3,420 |
| Net operating income to assets | 1.3017% | 1,456 |
| Return on assets (ROA) | 1.3644% | 1,446 |
| Pretax return on assets | 1.3471% | 2,370 |
| Return on Equity (ROE) | 15.6877% | 854 |
| Retained earnings to average equity (ytd only) | 15.6877% | 392 |
| Net charge-offs to loans | 0.0426% | 4,097 |
| Credit loss provision to net charge-offs | 540.5405% | 620 |
| Earnings coverage of net charge-offs (x) | 49.7027% | 636 |
| Efficiency ratio | 75.7228% | 2,822 |
| Assets per employee ($millions) | 2.3698% | 6,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 4,542 |
| Loan loss allowance to noncurrent loans | 32.8563% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 4.6857% | 1,124 |
| Noncurrent loans to loans | 4.3070% | 1,389 |
| Net loans and leases to total assets | 67.1755% | 2,264 |
| Net loans and leases to deposits | 79.8252% | 2,224 |
| Net loans and leases to core deposits | 84.1401% | 2,530 |
| Total domestic deposits to total assets | 84.1532% | 4,421 |
| Equity capital to assets | 8.9092% | 5,628 |
| Core capital (leverage) ratio | 9.0153% | 4,817 |
| Tier 1 risk-based capital ratio | 11.2173% | 6,431 |
| Total risk-based capital ratio | 12.4511% | 6,427 |
| Memoranda: | ||
| Average total assets | $510,412,500 | 1,332 |
| Average earning assets | $444,147,500 | 1,388 |
| Average equity | $44,391,500 | 1,562 |
| Average total loans | $347,424,500 | 1,212 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0317% | 2,750 |
| Cost of funding earning assets | 1.1441% | 2,384 |
| Net interest margin | 3.8877% | 3,390 |
| Noninterest income to average assets | 1.2417% | 844 |
| Noninterest expense to average assets | 4.2312% | 785 |
| Loan and lease loss provision to assets | 0.5731% | 1,813 |
| Net operating income to assets | -0.2177% | 6,276 |
| Return on assets (ROA) | -0.2043% | 6,333 |
| Pretax return on assets | -0.2015% | 6,286 |
| Return on Equity (ROE) | -2.2943% | 6,358 |
| Retained earnings to average equity (ytd only) | -2.2943% | 6,187 |
| Net charge-offs to loans | 0.7663% | 2,244 |
| Credit loss provision to net charge-offs | 108.6614% | 3,103 |
| Earnings coverage of net charge-offs (x) | 0.6790% | 5,305 |
| Efficiency ratio | 91.7744% | 1,059 |
| Assets per employee ($millions) | 2.4005% | 6,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 4,614 |
| Loan loss allowance to noncurrent loans | 33.1380% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 5.5494% | 920 |
| Noncurrent loans to loans | 4.1229% | 1,499 |
| Net loans and leases to total assets | 67.0664% | 2,570 |
| Net loans and leases to deposits | 80.4841% | 2,431 |
| Net loans and leases to core deposits | 84.9531% | 2,753 |
| Total domestic deposits to total assets | 83.3287% | 4,613 |
| Equity capital to assets | 8.4859% | 6,162 |
| Core capital (leverage) ratio | 8.5614% | 5,461 |
| Tier 1 risk-based capital ratio | 10.2693% | 6,776 |
| Total risk-based capital ratio | 11.4074% | 6,798 |
| Memoranda: | ||
| Average total assets | $505,696,600 | 1,323 |
| Average earning assets | $435,455,800 | 1,396 |
| Average equity | $45,025,200 | 1,512 |
| Average total loans | $348,019,800 | 1,218 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0801% | 2,708 |
| Cost of funding earning assets | 1.1867% | 2,405 |
| Net interest margin | 3.8933% | 3,410 |
| Noninterest income to average assets | 1.7328% | 465 |
| Noninterest expense to average assets | 4.0687% | 927 |
| Loan and lease loss provision to assets | 0.6234% | 1,575 |
| Net operating income to assets | 0.3843% | 5,065 |
| Return on assets (ROA) | 0.3937% | 5,213 |
| Pretax return on assets | 0.4027% | 5,462 |
| Return on Equity (ROE) | 4.3696% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.3696% | 3,621 |
| Net charge-offs to loans | 0.8419% | 1,890 |
| Credit loss provision to net charge-offs | 107.2793% | 3,081 |
| Earnings coverage of net charge-offs (x) | 1.7493% | 4,343 |
| Efficiency ratio | 79.6246% | 2,309 |
| Assets per employee ($millions) | 2.3395% | 7,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 4,674 |
| Loan loss allowance to noncurrent loans | 43.2800% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 5.7246% | 956 |
| Noncurrent loans to loans | 3.1717% | 2,187 |
| Net loans and leases to total assets | 67.7810% | 2,524 |
| Net loans and leases to deposits | 82.4416% | 2,273 |
| Net loans and leases to core deposits | 87.0189% | 2,631 |
| Total domestic deposits to total assets | 82.2171% | 5,004 |
| Equity capital to assets | 9.3959% | 5,246 |
| Core capital (leverage) ratio | 9.0445% | 4,857 |
| Tier 1 risk-based capital ratio | 11.0436% | 6,517 |
| Total risk-based capital ratio | 12.1831% | 6,560 |
| Memoranda: | ||
| Average total assets | $504,291,750 | 1,334 |
| Average earning assets | $434,234,250 | 1,407 |
| Average equity | $45,434,000 | 1,501 |
| Average total loans | $348,107,000 | 1,234 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0616% | 2,873 |
| Cost of funding earning assets | 1.2319% | 2,369 |
| Net interest margin | 3.8297% | 3,649 |
| Noninterest income to average assets | 2.1843% | 321 |
| Noninterest expense to average assets | 4.0630% | 954 |
| Loan and lease loss provision to assets | 0.4189% | 2,339 |
| Net operating income to assets | 0.9581% | 2,402 |
| Return on assets (ROA) | 0.9738% | 2,442 |
| Pretax return on assets | 1.0200% | 3,165 |
| Return on Equity (ROE) | 10.9625% | 1,809 |
| Retained earnings to average equity (ytd only) | 10.9625% | 672 |
| Net charge-offs to loans | 0.7201% | 2,071 |
| Credit loss provision to net charge-offs | 84.1521% | 3,643 |
| Earnings coverage of net charge-offs (x) | 2.8574% | 3,414 |
| Efficiency ratio | 73.7183% | 3,413 |
| Assets per employee ($millions) | 2.3201% | 7,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 5,266 |
| Loan loss allowance to noncurrent loans | 42.1243% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 5.9888% | 940 |
| Noncurrent loans to loans | 2.9868% | 2,432 |
| Net loans and leases to total assets | 66.7114% | 2,883 |
| Net loans and leases to deposits | 80.8571% | 2,633 |
| Net loans and leases to core deposits | 86.0299% | 2,901 |
| Total domestic deposits to total assets | 82.5053% | 4,985 |
| Equity capital to assets | 9.3034% | 5,129 |
| Core capital (leverage) ratio | 9.1509% | 4,490 |
| Tier 1 risk-based capital ratio | 11.0533% | 6,482 |
| Total risk-based capital ratio | 12.0869% | 6,607 |
| Memoranda: | ||
| Average total assets | $507,062,000 | 1,331 |
| Average earning assets | $437,056,670 | 1,403 |
| Average equity | $45,044,670 | 1,495 |
| Average total loans | $350,522,670 | 1,234 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0702% | 2,774 |
| Cost of funding earning assets | 1.3261% | 2,033 |
| Net interest margin | 3.7441% | 3,876 |
| Noninterest income to average assets | 2.2008% | 318 |
| Noninterest expense to average assets | 3.9673% | 1,077 |
| Loan and lease loss provision to assets | 0.0853% | 4,937 |
| Net operating income to assets | 1.3113% | 1,241 |
| Return on assets (ROA) | 1.3053% | 1,295 |
| Pretax return on assets | 1.3748% | 1,796 |
| Return on Equity (ROE) | 15.0507% | 813 |
| Retained earnings to average equity (ytd only) | 15.0507% | 388 |
| Net charge-offs to loans | 0.1412% | 3,659 |
| Credit loss provision to net charge-offs | 86.4000% | 3,008 |
| Earnings coverage of net charge-offs (x) | 14.8560% | 1,348 |
| Efficiency ratio | 72.6639% | 3,737 |
| Assets per employee ($millions) | 2.3827% | 7,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 5,242 |
| Loan loss allowance to noncurrent loans | 37.3982% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 6.2712% | 903 |
| Noncurrent loans to loans | 3.4181% | 2,197 |
| Net loans and leases to total assets | 67.5541% | 2,645 |
| Net loans and leases to deposits | 81.2450% | 2,487 |
| Net loans and leases to core deposits | 88.3565% | 2,554 |
| Total domestic deposits to total assets | 83.1486% | 4,875 |
| Equity capital to assets | 8.7153% | 5,638 |
| Core capital (leverage) ratio | 8.9583% | 4,680 |
| Tier 1 risk-based capital ratio | 10.6131% | 6,743 |
| Total risk-based capital ratio | 11.6689% | 6,839 |
| Memoranda: | ||
| Average total assets | $506,542,000 | 1,329 |
| Average earning assets | $437,379,000 | 1,411 |
| Average equity | $43,931,500 | 1,517 |
| Average total loans | $354,143,500 | 1,238 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3242% | 3,008 |
| Cost of funding earning assets | 1.5879% | 2,141 |
| Net interest margin | 3.7363% | 4,202 |
| Noninterest income to average assets | 2.5365% | 280 |
| Noninterest expense to average assets | 4.2261% | 879 |
| Loan and lease loss provision to assets | 0.8422% | 1,947 |
| Net operating income to assets | 0.6790% | 3,305 |
| Return on assets (ROA) | 0.4927% | 4,291 |
| Pretax return on assets | 0.5043% | 4,610 |
| Return on Equity (ROE) | 6.0200% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.0200% | 1,802 |
| Net charge-offs to loans | 1.2232% | 1,833 |
| Credit loss provision to net charge-offs | 94.4370% | 4,919 |
| Earnings coverage of net charge-offs (x) | 1.7230% | 4,428 |
| Efficiency ratio | 72.9952% | 3,596 |
| Assets per employee ($millions) | 2.3290% | 7,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 5,165 |
| Loan loss allowance to noncurrent loans | 35.9364% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 6.5407% | 867 |
| Noncurrent loans to loans | 3.5313% | 2,137 |
| Net loans and leases to total assets | 70.5408% | 2,404 |
| Net loans and leases to deposits | 84.8719% | 2,305 |
| Net loans and leases to core deposits | 92.7707% | 2,414 |
| Total domestic deposits to total assets | 83.1145% | 4,749 |
| Equity capital to assets | 8.6290% | 5,686 |
| Core capital (leverage) ratio | 8.6936% | 5,032 |
| Tier 1 risk-based capital ratio | 10.1194% | 6,922 |
| Total risk-based capital ratio | 11.1699% | 7,006 |
| Memoranda: | ||
| Average total assets | $499,866,400 | 1,343 |
| Average earning assets | $431,633,600 | 1,403 |
| Average equity | $40,913,800 | 1,619 |
| Average total loans | $364,445,800 | 1,239 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3235% | 3,238 |
| Cost of funding earning assets | 1.6309% | 2,208 |
| Net interest margin | 3.6926% | 4,443 |
| Noninterest income to average assets | 2.6115% | 262 |
| Noninterest expense to average assets | 4.2494% | 776 |
| Loan and lease loss provision to assets | 1.0949% | 1,330 |
| Net operating income to assets | 0.4552% | 4,520 |
| Return on assets (ROA) | 0.2020% | 5,662 |
| Pretax return on assets | 0.2020% | 5,730 |
| Return on Equity (ROE) | 2.5022% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.5022% | 4,670 |
| Net charge-offs to loans | 1.5631% | 1,280 |
| Credit loss provision to net charge-offs | 95.6016% | 4,540 |
| Earnings coverage of net charge-offs (x) | 1.3535% | 4,724 |
| Efficiency ratio | 72.9353% | 3,538 |
| Assets per employee ($millions) | 2.4013% | 7,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 4,972 |
| Loan loss allowance to noncurrent loans | 86.5079% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 5.4630% | 1,133 |
| Noncurrent loans to loans | 1.5015% | 4,385 |
| Net loans and leases to total assets | 69.3158% | 2,896 |
| Net loans and leases to deposits | 83.0711% | 2,896 |
| Net loans and leases to core deposits | 91.6367% | 2,856 |
| Total domestic deposits to total assets | 83.4416% | 4,401 |
| Equity capital to assets | 8.2605% | 6,551 |
| Core capital (leverage) ratio | 8.3931% | 5,709 |
| Tier 1 risk-based capital ratio | 9.6915% | 7,188 |
| Total risk-based capital ratio | 10.7550% | 7,248 |
| Memoranda: | ||
| Average total assets | $500,229,250 | 1,352 |
| Average earning assets | $431,884,750 | 1,426 |
| Average equity | $40,390,250 | 1,650 |
| Average total loans | $366,531,000 | 1,244 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3261% | 3,341 |
| Cost of funding earning assets | 1.6886% | 2,175 |
| Net interest margin | 3.6375% | 4,643 |
| Noninterest income to average assets | 2.6905% | 244 |
| Noninterest expense to average assets | 4.1242% | 889 |
| Loan and lease loss provision to assets | 1.4789% | 897 |
| Net operating income to assets | 0.2378% | 5,419 |
| Return on assets (ROA) | 0.0805% | 6,025 |
| Pretax return on assets | 0.0805% | 6,018 |
| Return on Equity (ROE) | 1.0041% | 5,956 |
| Retained earnings to average equity (ytd only) | 1.0041% | 5,366 |
| Net charge-offs to loans | 2.0731% | 872 |
| Credit loss provision to net charge-offs | 96.0239% | 4,235 |
| Earnings coverage of net charge-offs (x) | 1.1146% | 4,678 |
| Efficiency ratio | 70.2734% | 4,136 |
| Assets per employee ($millions) | 2.3691% | 7,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 5,117 |
| Loan loss allowance to noncurrent loans | 49.1321% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 5.4006% | 1,154 |
| Noncurrent loans to loans | 2.5709% | 3,072 |
| Net loans and leases to total assets | 71.8101% | 2,456 |
| Net loans and leases to deposits | 85.7131% | 2,555 |
| Net loans and leases to core deposits | 94.7021% | 2,619 |
| Total domestic deposits to total assets | 83.7797% | 4,209 |
| Equity capital to assets | 7.9242% | 6,833 |
| Core capital (leverage) ratio | 8.1767% | 5,983 |
| Tier 1 risk-based capital ratio | 9.8157% | 7,122 |
| Total risk-based capital ratio | 10.9179% | 7,190 |
| Memoranda: | ||
| Average total assets | $499,682,000 | 1,359 |
| Average earning assets | $432,773,670 | 1,437 |
| Average equity | $40,034,670 | 1,663 |
| Average total loans | $371,223,330 | 1,237 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3632% | 3,227 |
| Cost of funding earning assets | 1.7776% | 1,980 |
| Net interest margin | 3.5857% | 4,790 |
| Noninterest income to average assets | 2.5787% | 246 |
| Noninterest expense to average assets | 4.0257% | 992 |
| Loan and lease loss provision to assets | 0.1549% | 4,984 |
| Net operating income to assets | 1.4273% | 1,019 |
| Return on assets (ROA) | 1.3692% | 1,213 |
| Pretax return on assets | 1.4527% | 1,635 |
| Return on Equity (ROE) | 16.9954% | 610 |
| Retained earnings to average equity (ytd only) | 16.9954% | 288 |
| Net charge-offs to loans | 0.1689% | 3,909 |
| Credit loss provision to net charge-offs | 122.1519% | 2,865 |
| Earnings coverage of net charge-offs (x) | 13.1646% | 1,518 |
| Efficiency ratio | 70.3495% | 4,234 |
| Assets per employee ($millions) | 2.3963% | 7,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 4,969 |
| Loan loss allowance to noncurrent loans | 41.3040% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 5.3421% | 1,167 |
| Noncurrent loans to loans | 3.1315% | 2,562 |
| Net loans and leases to total assets | 73.1701% | 2,160 |
| Net loans and leases to deposits | 87.6622% | 2,290 |
| Net loans and leases to core deposits | 96.9894% | 2,463 |
| Total domestic deposits to total assets | 83.4682% | 4,400 |
| Equity capital to assets | 8.1914% | 6,441 |
| Core capital (leverage) ratio | 8.4943% | 5,386 |
| Tier 1 risk-based capital ratio | 10.0622% | 6,987 |
| Total risk-based capital ratio | 11.1984% | 7,052 |
| Memoranda: | ||
| Average total assets | $498,394,000 | 1,395 |
| Average earning assets | $433,170,500 | 1,471 |
| Average equity | $40,152,000 | 1,673 |
| Average total loans | $374,192,000 | 1,271 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5944% | 3,637 |
| Cost of funding earning assets | 2.2280% | 1,909 |
| Net interest margin | 3.3664% | 5,508 |
| Noninterest income to average assets | 2.5368% | 267 |
| Noninterest expense to average assets | 4.3556% | 927 |
| Loan and lease loss provision to assets | 0.8281% | 2,654 |
| Net operating income to assets | 0.1911% | 4,926 |
| Return on assets (ROA) | -0.1942% | 5,831 |
| Pretax return on assets | -0.0595% | 5,534 |
| Return on Equity (ROE) | -2.4529% | 5,915 |
| Retained earnings to average equity (ytd only) | -5.0502% | 6,026 |
| Net charge-offs to loans | 0.9657% | 2,472 |
| Credit loss provision to net charge-offs | 118.2432% | 4,568 |
| Earnings coverage of net charge-offs (x) | 1.6475% | 4,502 |
| Efficiency ratio | 78.6307% | 3,106 |
| Assets per employee ($millions) | 2.2544% | 7,524 |
| Cash dividends to net income (ytd only)* | -105.8883% | 7,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 4,967 |
| Loan loss allowance to noncurrent loans | 35.2380% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 5.6581% | 1,026 |
| Noncurrent loans to loans | 3.5871% | 2,114 |
| Net loans and leases to total assets | 75.0784% | 2,007 |
| Net loans and leases to deposits | 89.7906% | 2,244 |
| Net loans and leases to core deposits | 109.5225% | 2,953 |
| Total domestic deposits to total assets | 83.6150% | 4,227 |
| Equity capital to assets | 7.9198% | 6,653 |
| Core capital (leverage) ratio | 8.2036% | 5,805 |
| Tier 1 risk-based capital ratio | 9.5120% | 7,218 |
| Total risk-based capital ratio | 10.6231% | 7,278 |
| Memoranda: | ||
| Average total assets | $507,165,200 | 1,357 |
| Average earning assets | $447,842,200 | 1,409 |
| Average equity | $40,156,600 | 1,665 |
| Average total loans | $367,814,200 | 1,305 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6964% | 3,356 |
| Cost of funding earning assets | 2.3107% | 1,940 |
| Net interest margin | 3.3857% | 5,329 |
| Noninterest income to average assets | 2.4743% | 270 |
| Noninterest expense to average assets | 4.1973% | 1,032 |
| Loan and lease loss provision to assets | 0.9632% | 1,996 |
| Net operating income to assets | 0.0566% | 5,587 |
| Return on assets (ROA) | -0.0026% | 5,774 |
| Pretax return on assets | 0.2212% | 5,250 |
| Return on Equity (ROE) | -0.0330% | 5,780 |
| Retained earnings to average equity (ytd only) | -3.4772% | 6,026 |
| Net charge-offs to loans | 0.9846% | 1,998 |
| Credit loss provision to net charge-offs | 136.4950% | 3,633 |
| Earnings coverage of net charge-offs (x) | 1.8096% | 4,443 |
| Efficiency ratio | 76.2203% | 3,470 |
| Assets per employee ($millions) | 2.5218% | 7,197 |
| Cash dividends to net income (ytd only)* | -10,432.3331% | 8,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 4,418 |
| Loan loss allowance to noncurrent loans | 39.0423% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 3.6824% | 1,771 |
| Noncurrent loans to loans | 3.3643% | 2,244 |
| Net loans and leases to total assets | 73.8171% | 2,583 |
| Net loans and leases to deposits | 88.7189% | 2,833 |
| Net loans and leases to core deposits | 107.8840% | 3,485 |
| Total domestic deposits to total assets | 83.2033% | 4,115 |
| Equity capital to assets | 7.5365% | 7,272 |
| Core capital (leverage) ratio | 8.0321% | 6,304 |
| Tier 1 risk-based capital ratio | 9.2076% | 7,533 |
| Total risk-based capital ratio | 10.3355% | 7,594 |
| Memoranda: | ||
| Average total assets | $509,966,750 | 1,368 |
| Average earning assets | $451,850,250 | 1,415 |
| Average equity | $40,376,000 | 1,674 |
| Average total loans | $365,486,500 | 1,340 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8170% | 2,973 |
| Cost of funding earning assets | 2.3390% | 2,206 |
| Net interest margin | 3.4781% | 4,903 |
| Noninterest income to average assets | 2.3821% | 284 |
| Noninterest expense to average assets | 4.2006% | 1,071 |
| Loan and lease loss provision to assets | 1.1093% | 1,546 |
| Net operating income to assets | -0.1748% | 6,145 |
| Return on assets (ROA) | -0.3556% | 6,409 |
| Pretax return on assets | -0.0347% | 5,915 |
| Return on Equity (ROE) | -4.4184% | 6,537 |
| Retained earnings to average equity (ytd only) | -7.7432% | 6,640 |
| Net charge-offs to loans | 0.9698% | 1,803 |
| Credit loss provision to net charge-offs | 162.0173% | 2,837 |
| Earnings coverage of net charge-offs (x) | 1.8334% | 4,193 |
| Efficiency ratio | 76.4412% | 3,607 |
| Assets per employee ($millions) | 2.4923% | 7,272 |
| Cash dividends to net income (ytd only)* | -75.2497% | 8,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 3,741 |
| Loan loss allowance to noncurrent loans | 40.0540% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 3.5047% | 1,776 |
| Noncurrent loans to loans | 3.4879% | 2,015 |
| Net loans and leases to total assets | 71.0714% | 3,448 |
| Net loans and leases to deposits | 86.0232% | 3,547 |
| Net loans and leases to core deposits | 104.4939% | 4,007 |
| Total domestic deposits to total assets | 82.6189% | 4,411 |
| Equity capital to assets | 7.5152% | 7,248 |
| Core capital (leverage) ratio | 7.9451% | 6,427 |
| Tier 1 risk-based capital ratio | 9.7544% | 7,179 |
| Total risk-based capital ratio | 10.9371% | 7,183 |
| Memoranda: | ||
| Average total assets | $506,790,330 | 1,400 |
| Average earning assets | $447,891,670 | 1,445 |
| Average equity | $40,784,000 | 1,663 |
| Average total loans | $357,788,330 | 1,396 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8145% | 3,226 |
| Cost of funding earning assets | 2.3696% | 2,416 |
| Net interest margin | 3.4449% | 4,959 |
| Noninterest income to average assets | 2.2460% | 298 |
| Noninterest expense to average assets | 4.0061% | 1,180 |
| Loan and lease loss provision to assets | 0.6324% | 1,997 |
| Net operating income to assets | -0.0032% | 6,261 |
| Return on assets (ROA) | -0.0032% | 6,407 |
| Pretax return on assets | 0.6364% | 4,633 |
| Return on Equity (ROE) | -0.0383% | 6,414 |
| Retained earnings to average equity (ytd only) | -0.0383% | 5,655 |
| Net charge-offs to loans | 0.1483% | 3,777 |
| Credit loss provision to net charge-offs | 610.7692% | 931 |
| Earnings coverage of net charge-offs (x) | 12.2538% | 1,816 |
| Efficiency ratio | 75.3737% | 3,590 |
| Assets per employee ($millions) | 2.5041% | 7,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 3,764 |
| Loan loss allowance to noncurrent loans | 35.2231% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 3.6397% | 1,457 |
| Noncurrent loans to loans | 3.8477% | 1,594 |
| Net loans and leases to total assets | 67.8314% | 4,179 |
| Net loans and leases to deposits | 82.4409% | 4,217 |
| Net loans and leases to core deposits | 100.5832% | 4,488 |
| Total domestic deposits to total assets | 82.2789% | 4,444 |
| Equity capital to assets | 7.8734% | 6,982 |
| Core capital (leverage) ratio | 8.6739% | 5,200 |
| Tier 1 risk-based capital ratio | 11.1522% | 5,757 |
| Total risk-based capital ratio | 12.4022% | 5,674 |
| Memoranda: | ||
| Average total assets | $502,229,500 | 1,413 |
| Average earning assets | $441,586,500 | 1,468 |
| Average equity | $41,790,000 | 1,632 |
| Average total loans | $350,752,000 | 1,441 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3023% | 3,952 |
| Cost of funding earning assets | 2.5492% | 3,961 |
| Net interest margin | 3.7531% | 4,215 |
| Noninterest income to average assets | 2.4354% | 263 |
| Noninterest expense to average assets | 3.9435% | 1,494 |
| Loan and lease loss provision to assets | 0.4004% | 3,283 |
| Net operating income to assets | 0.9695% | 2,694 |
| Return on assets (ROA) | 0.9699% | 2,572 |
| Pretax return on assets | 1.3869% | 2,009 |
| Return on Equity (ROE) | 9.4026% | 2,472 |
| Retained earnings to average equity (ytd only) | -10.3212% | 7,096 |
| Net charge-offs to loans | 0.2999% | 3,391 |
| Credit loss provision to net charge-offs | 197.5709% | 2,474 |
| Earnings coverage of net charge-offs (x) | 8.8168% | 2,817 |
| Efficiency ratio | 68.2762% | 4,675 |
| Assets per employee ($millions) | 2.3841% | 7,428 |
| Cash dividends to net income (ytd only)* | 209.7695% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 4,689 |
| Loan loss allowance to noncurrent loans | 27.2890% | 6,877 |
| Noncurrent assets plus other real estate owned to assets | 4.0902% | 991 |
| Noncurrent loans to loans | 4.3309% | 1,111 |
| Net loans and leases to total assets | 70.1246% | 3,985 |
| Net loans and leases to deposits | 87.8822% | 3,822 |
| Net loans and leases to core deposits | 109.7407% | 3,800 |
| Total domestic deposits to total assets | 79.7939% | 5,104 |
| Equity capital to assets | 8.7886% | 5,674 |
| Core capital (leverage) ratio | 8.6522% | 5,282 |
| Tier 1 risk-based capital ratio | 11.2617% | 5,474 |
| Total risk-based capital ratio | 12.3559% | 5,520 |
| Memoranda: | ||
| Average total assets | $487,564,600 | 1,404 |
| Average earning assets | $428,015,800 | 1,459 |
| Average equity | $50,294,600 | 1,344 |
| Average total loans | $329,411,200 | 1,476 |