Home > Peoples Bank of Kankakee County > Performance and Condition Ratios
Peoples Bank of Kankakee County, 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 | 3.6852% | 4,284 |
| Cost of funding earning assets | 1.2160% | 2,759 |
| Net interest margin | 2.4691% | 4,121 |
| Noninterest income to average assets | 1.3000% | 458 |
| Noninterest expense to average assets | 2.4621% | 2,411 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 0.8258% | 2,785 |
| Return on assets (ROA) | 0.7706% | 2,952 |
| Pretax return on assets | 0.7706% | 3,284 |
| Return on Equity (ROE) | 35.5000% | 122 |
| Retained earnings to average equity (ytd only) | 24.9635% | 73 |
| Net charge-offs to loans | 0.4625% | 227 |
| Credit loss provision to net charge-offs | 91.3433% | 1,943 |
| Earnings coverage of net charge-offs (x) | 4.9552% | 2,553 |
| Efficiency ratio | 70.8619% | 1,776 |
| Assets per employee ($millions) | 6.1565% | 2,688 |
| Cash dividends to net income (ytd only)* | 29.6795% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 2,138 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 43.6700% | 3,912 |
| Net loans and leases to deposits | 50.1414% | 3,945 |
| Net loans and leases to core deposits | 54.4265% | 3,965 |
| Total domestic deposits to total assets | 87.0900% | 1,652 |
| Equity capital to assets | 3.3449% | 4,530 |
| Core capital (leverage) ratio | 7.9442% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7322% | 1,616 |
| Memoranda: | ||
| Average total assets | $327,934,200 | 2,278 |
| Average earning assets | $288,725,000 | 2,357 |
| Average equity | $7,118,400 | 4,033 |
| Average total loans | $144,857,800 | 2,715 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5598% | 4,338 |
| Cost of funding earning assets | 1.0780% | 2,804 |
| Net interest margin | 2.4818% | 4,162 |
| Noninterest income to average assets | 1.2800% | 467 |
| Noninterest expense to average assets | 2.4487% | 2,374 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.8147% | 2,984 |
| Return on assets (ROA) | 0.7401% | 3,193 |
| Pretax return on assets | 0.7401% | 3,471 |
| Return on Equity (ROE) | 39.5300% | 114 |
| Retained earnings to average equity (ytd only) | 23.1878% | 162 |
| Net charge-offs to loans | 0.6189% | 144 |
| Credit loss provision to net charge-offs | 78.8060% | 1,760 |
| Earnings coverage of net charge-offs (x) | 3.7687% | 2,429 |
| Efficiency ratio | 70.3882% | 1,744 |
| Assets per employee ($millions) | 5.9808% | 2,778 |
| Cash dividends to net income (ytd only)* | 41.3451% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 2,478 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 45.0100% | 3,871 |
| Net loans and leases to deposits | 52.3063% | 3,865 |
| Net loans and leases to core deposits | 56.7210% | 3,821 |
| Total domestic deposits to total assets | 86.0600% | 2,172 |
| Equity capital to assets | 1.8974% | 4,549 |
| Core capital (leverage) ratio | 7.9652% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4276% | 1,740 |
| Memoranda: | ||
| Average total assets | $326,805,250 | 2,287 |
| Average earning assets | $289,033,500 | 2,368 |
| Average equity | $6,118,000 | 4,155 |
| Average total loans | $144,330,000 | 2,723 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4779% | 4,363 |
| Cost of funding earning assets | 0.9274% | 2,841 |
| Net interest margin | 2.5504% | 4,156 |
| Noninterest income to average assets | 1.2600% | 413 |
| Noninterest expense to average assets | 2.3975% | 2,494 |
| Loan and lease loss provision to assets | 0.3000% | 309 |
| Net operating income to assets | 0.8199% | 3,021 |
| Return on assets (ROA) | 0.7937% | 3,104 |
| Pretax return on assets | 0.7937% | 3,410 |
| Return on Equity (ROE) | 42.5900% | 96 |
| Retained earnings to average equity (ytd only) | 22.1435% | 182 |
| Net charge-offs to loans | 0.9344% | 94 |
| Credit loss provision to net charge-offs | 72.8358% | 1,580 |
| Earnings coverage of net charge-offs (x) | 2.7358% | 2,302 |
| Efficiency ratio | 68.2102% | 1,964 |
| Assets per employee ($millions) | 5.5623% | 3,093 |
| Cash dividends to net income (ytd only)* | 48.0031% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 2,645 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 45.4700% | 3,820 |
| Net loans and leases to deposits | 51.9046% | 3,841 |
| Net loans and leases to core deposits | 56.0187% | 3,816 |
| Total domestic deposits to total assets | 87.6000% | 1,747 |
| Equity capital to assets | 1.7871% | 4,606 |
| Core capital (leverage) ratio | 7.2778% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2770% | 2,180 |
| Memoranda: | ||
| Average total assets | $328,086,333 | 2,284 |
| Average earning assets | $290,696,333 | 2,364 |
| Average equity | $6,114,667 | 4,181 |
| Average total loans | $143,401,667 | 2,739 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3057% | 4,433 |
| Cost of funding earning assets | 0.6993% | 3,056 |
| Net interest margin | 2.6064% | 4,197 |
| Noninterest income to average assets | 1.3900% | 356 |
| Noninterest expense to average assets | 2.3369% | 2,708 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.2494% | 1,796 |
| Return on assets (ROA) | 1.1978% | 1,895 |
| Pretax return on assets | 1.1978% | 2,425 |
| Return on Equity (ROE) | 63.0400% | 55 |
| Retained earnings to average equity (ytd only) | 39.3753% | 65 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.1767% | 2,547 |
| Assets per employee ($millions) | 5.8355% | 2,904 |
| Cash dividends to net income (ytd only)* | 37.5375% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 1,663 |
| Loan loss allowance to noncurrent loans | 202.1538% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 1,644 |
| Noncurrent loans to loans | 0.6873% | 1,100 |
| Net loans and leases to total assets | 43.5900% | 3,883 |
| Net loans and leases to deposits | 51.8756% | 3,799 |
| Net loans and leases to core deposits | 55.1336% | 3,786 |
| Total domestic deposits to total assets | 84.0200% | 3,090 |
| Equity capital to assets | 2.2131% | 4,628 |
| Core capital (leverage) ratio | 7.2649% | 4,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5643% | 2,157 |
| Memoranda: | ||
| Average total assets | $333,603,000 | 2,293 |
| Average earning assets | $295,735,500 | 2,367 |
| Average equity | $6,339,000 | 4,213 |
| Average total loans | $142,171,500 | 2,780 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9032% | 4,236 |
| Cost of funding earning assets | 0.2654% | 3,205 |
| Net interest margin | 2.6378% | 4,128 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.5377% | 2,000 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.7459% | 3,494 |
| Return on assets (ROA) | 0.7423% | 3,441 |
| Pretax return on assets | 0.7423% | 3,760 |
| Return on Equity (ROE) | 24.3800% | 231 |
| Retained earnings to average equity (ytd only) | 11.1219% | 859 |
| Net charge-offs to loans | 0.0007% | 2,568 |
| Credit loss provision to net charge-offs | 25,100.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 2,727.0000% | 54 |
| Efficiency ratio | 75.5448% | 1,064 |
| Assets per employee ($millions) | 6.4121% | 2,409 |
| Cash dividends to net income (ytd only)* | 54.3831% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 1,818 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 40.6100% | 4,046 |
| Net loans and leases to deposits | 46.8432% | 4,016 |
| Net loans and leases to core deposits | 49.3249% | 4,005 |
| Total domestic deposits to total assets | 86.6800% | 2,504 |
| Equity capital to assets | 1.6101% | 4,661 |
| Core capital (leverage) ratio | 6.8767% | 4,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1497% | 2,307 |
| Memoranda: | ||
| Average total assets | $331,954,600 | 2,292 |
| Average earning assets | $295,401,600 | 2,362 |
| Average equity | $10,106,200 | 3,859 |
| Average total loans | $140,445,600 | 2,720 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7965% | 4,200 |
| Cost of funding earning assets | 0.2261% | 2,973 |
| Net interest margin | 2.5703% | 4,136 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 2.5011% | 2,015 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.6764% | 3,631 |
| Return on assets (ROA) | 0.6716% | 3,603 |
| Pretax return on assets | 0.6716% | 3,852 |
| Return on Equity (ROE) | 19.6200% | 469 |
| Retained earnings to average equity (ytd only) | 6.2756% | 2,641 |
| Net charge-offs to loans | 0.0010% | 2,290 |
| Credit loss provision to net charge-offs | 22,400.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,890.0000% | 67 |
| Efficiency ratio | 76.5217% | 1,031 |
| Assets per employee ($millions) | 5.8361% | 2,902 |
| Cash dividends to net income (ytd only)* | 68.0169% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 2,160 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 44.6900% | 3,836 |
| Net loans and leases to deposits | 51.4059% | 3,770 |
| Net loans and leases to core deposits | 53.6920% | 3,768 |
| Total domestic deposits to total assets | 86.9400% | 2,782 |
| Equity capital to assets | 1.0113% | 4,696 |
| Core capital (leverage) ratio | 6.7515% | 4,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2975% | 2,719 |
| Memoranda: | ||
| Average total assets | $328,379,750 | 2,324 |
| Average earning assets | $292,458,250 | 2,388 |
| Average equity | $11,239,000 | 3,785 |
| Average total loans | $139,937,750 | 2,731 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6451% | 4,227 |
| Cost of funding earning assets | 0.1838% | 3,131 |
| Net interest margin | 2.4613% | 4,148 |
| Noninterest income to average assets | 0.8856% | 870 |
| Noninterest expense to average assets | 2.4404% | 2,110 |
| Loan and lease loss provision to assets | 0.0472% | 1,721 |
| Net operating income to assets | 0.5997% | 3,625 |
| Return on assets (ROA) | 0.5924% | 3,590 |
| Pretax return on assets | 0.5924% | 3,830 |
| Return on Equity (ROE) | 14.0973% | 1,093 |
| Retained earnings to average equity (ytd only) | 3.3086% | 3,346 |
| Net charge-offs to loans | 0.0014% | 2,081 |
| Credit loss provision to net charge-offs | 7,800.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 1,070.0000% | 120 |
| Efficiency ratio | 79.0484% | 1,014 |
| Assets per employee ($millions) | 5.9329% | 2,803 |
| Cash dividends to net income (ytd only)* | 76.5306% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 2,837 |
| Loan loss allowance to noncurrent loans | 1,051.8519% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,494 |
| Noncurrent loans to loans | 0.1114% | 3,186 |
| Net loans and leases to total assets | 44.0347% | 3,832 |
| Net loans and leases to deposits | 50.7882% | 3,767 |
| Net loans and leases to core deposits | 52.2739% | 3,801 |
| Total domestic deposits to total assets | 86.7026% | 3,035 |
| Equity capital to assets | 1.5684% | 4,741 |
| Core capital (leverage) ratio | 6.7846% | 4,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2037% | 2,751 |
| Memoranda: | ||
| Average total assets | $330,843,667 | 2,322 |
| Average earning assets | $295,942,667 | 2,404 |
| Average equity | $13,903,333 | 3,592 |
| Average total loans | $138,147,667 | 2,762 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5013% | 4,267 |
| Cost of funding earning assets | 0.1642% | 3,305 |
| Net interest margin | 2.3372% | 4,176 |
| Noninterest income to average assets | 0.9462% | 763 |
| Noninterest expense to average assets | 2.3176% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7313% | 2,927 |
| Return on assets (ROA) | 0.7313% | 2,918 |
| Pretax return on assets | 0.7313% | 3,304 |
| Return on Equity (ROE) | 13.3144% | 976 |
| Retained earnings to average equity (ytd only) | 5.1159% | 2,550 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0142% | 1,519 |
| Assets per employee ($millions) | 5.9645% | 2,839 |
| Cash dividends to net income (ytd only)* | 61.5764% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 2,952 |
| Loan loss allowance to noncurrent loans | 774.7619% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 3,416 |
| Noncurrent loans to loans | 0.1525% | 3,040 |
| Net loans and leases to total assets | 41.4826% | 3,915 |
| Net loans and leases to deposits | 49.0647% | 3,814 |
| Net loans and leases to core deposits | 50.4075% | 3,850 |
| Total domestic deposits to total assets | 84.5467% | 3,649 |
| Equity capital to assets | 4.2811% | 4,770 |
| Core capital (leverage) ratio | 6.9889% | 4,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9836% | 2,615 |
| Memoranda: | ||
| Average total assets | $333,110,000 | 2,327 |
| Average earning assets | $299,679,500 | 2,390 |
| Average equity | $18,296,000 | 3,300 |
| Average total loans | $134,524,500 | 2,800 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5953% | 4,414 |
| Cost of funding earning assets | 0.2095% | 3,373 |
| Net interest margin | 2.3858% | 4,339 |
| Noninterest income to average assets | 1.1566% | 787 |
| Noninterest expense to average assets | 2.3029% | 2,788 |
| Loan and lease loss provision to assets | 0.0042% | 2,991 |
| Net operating income to assets | 0.9792% | 2,755 |
| Return on assets (ROA) | 1.0134% | 2,694 |
| Pretax return on assets | 1.0134% | 3,223 |
| Return on Equity (ROE) | 13.8587% | 1,227 |
| Retained earnings to average equity (ytd only) | 6.6102% | 2,075 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0778% | 1,724 |
| Assets per employee ($millions) | 6.5033% | 2,330 |
| Cash dividends to net income (ytd only)* | 52.3028% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 2,682 |
| Loan loss allowance to noncurrent loans | 620.9924% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 3,409 |
| Noncurrent loans to loans | 0.1995% | 2,951 |
| Net loans and leases to total assets | 38.3569% | 4,171 |
| Net loans and leases to deposits | 47.0568% | 4,045 |
| Net loans and leases to core deposits | 48.2000% | 4,081 |
| Total domestic deposits to total assets | 81.5119% | 4,039 |
| Equity capital to assets | 6.6676% | 4,766 |
| Core capital (leverage) ratio | 7.1007% | 4,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5940% | 2,415 |
| Memoranda: | ||
| Average total assets | $312,820,000 | 2,381 |
| Average earning assets | $279,240,800 | 2,442 |
| Average equity | $22,873,800 | 2,995 |
| Average total loans | $126,590,000 | 2,895 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6429% | 4,463 |
| Cost of funding earning assets | 0.2234% | 3,394 |
| Net interest margin | 2.4195% | 4,377 |
| Noninterest income to average assets | 1.1894% | 801 |
| Noninterest expense to average assets | 2.3470% | 2,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0049% | 2,888 |
| Return on assets (ROA) | 1.0515% | 2,791 |
| Pretax return on assets | 1.0515% | 3,317 |
| Return on Equity (ROE) | 14.0386% | 1,379 |
| Retained earnings to average equity (ytd only) | 7.0454% | 2,400 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0195% | 1,598 |
| Assets per employee ($millions) | 5.9302% | 2,762 |
| Cash dividends to net income (ytd only)* | 49.8138% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,417 |
| Loan loss allowance to noncurrent loans | 643.0279% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 3,570 |
| Noncurrent loans to loans | 0.2044% | 3,137 |
| Net loans and leases to total assets | 38.5517% | 4,276 |
| Net loans and leases to deposits | 47.6276% | 4,140 |
| Net loans and leases to core deposits | 48.5719% | 4,211 |
| Total domestic deposits to total assets | 80.9439% | 4,102 |
| Equity capital to assets | 7.5211% | 4,697 |
| Core capital (leverage) ratio | 7.1802% | 4,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4124% | 2,198 |
| Memoranda: | ||
| Average total assets | $306,481,500 | 2,434 |
| Average earning assets | $273,932,000 | 2,488 |
| Average equity | $22,955,250 | 3,025 |
| Average total loans | $125,402,500 | 2,942 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6733% | 4,486 |
| Cost of funding earning assets | 0.2440% | 3,333 |
| Net interest margin | 2.4293% | 4,393 |
| Noninterest income to average assets | 1.2005% | 802 |
| Noninterest expense to average assets | 2.3398% | 2,643 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0432% | 2,745 |
| Return on assets (ROA) | 1.0781% | 2,683 |
| Pretax return on assets | 1.0781% | 3,281 |
| Return on Equity (ROE) | 14.4144% | 1,304 |
| Retained earnings to average equity (ytd only) | 10.4544% | 1,267 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1634% | 1,742 |
| Assets per employee ($millions) | 6.2356% | 2,401 |
| Cash dividends to net income (ytd only)* | 27.4725% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,642 |
| Loan loss allowance to noncurrent loans | 606.7669% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 3,630 |
| Noncurrent loans to loans | 0.2076% | 3,216 |
| Net loans and leases to total assets | 40.5820% | 4,266 |
| Net loans and leases to deposits | 50.4842% | 4,076 |
| Net loans and leases to core deposits | 51.3346% | 4,167 |
| Total domestic deposits to total assets | 80.3856% | 4,169 |
| Equity capital to assets | 7.4071% | 4,765 |
| Core capital (leverage) ratio | 7.1287% | 4,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2735% | 2,256 |
| Memoranda: | ||
| Average total assets | $303,874,333 | 2,438 |
| Average earning assets | $272,995,333 | 2,492 |
| Average equity | $22,727,333 | 3,036 |
| Average total loans | $126,275,667 | 2,945 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8315% | 4,337 |
| Cost of funding earning assets | 0.2659% | 3,320 |
| Net interest margin | 2.5657% | 4,211 |
| Noninterest income to average assets | 1.2510% | 807 |
| Noninterest expense to average assets | 2.3593% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2083% | 2,110 |
| Return on assets (ROA) | 1.2790% | 1,964 |
| Pretax return on assets | 1.2790% | 2,629 |
| Return on Equity (ROE) | 17.0156% | 846 |
| Retained earnings to average equity (ytd only) | 13.0234% | 909 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1308% | 2,213 |
| Assets per employee ($millions) | 6.1771% | 2,430 |
| Cash dividends to net income (ytd only)* | 23.4619% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,433 |
| Loan loss allowance to noncurrent loans | 527.4510% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 3,695 |
| Noncurrent loans to loans | 0.2467% | 3,212 |
| Net loans and leases to total assets | 39.6420% | 4,361 |
| Net loans and leases to deposits | 48.6827% | 4,235 |
| Net loans and leases to core deposits | 49.4985% | 4,325 |
| Total domestic deposits to total assets | 81.4294% | 3,996 |
| Equity capital to assets | 7.1610% | 4,806 |
| Core capital (leverage) ratio | 7.4463% | 4,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1929% | 2,210 |
| Memoranda: | ||
| Average total assets | $299,921,000 | 2,441 |
| Average earning assets | $270,806,500 | 2,488 |
| Average equity | $22,544,000 | 3,036 |
| Average total loans | $125,343,000 | 2,960 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 4,355 |
| Cost of funding earning assets | 0.4421% | 3,335 |
| Net interest margin | 2.8417% | 4,198 |
| Noninterest income to average assets | 1.5102% | 533 |
| Noninterest expense to average assets | 2.5842% | 2,607 |
| Loan and lease loss provision to assets | 0.2631% | 1,471 |
| Net operating income to assets | 1.2776% | 1,315 |
| Return on assets (ROA) | 1.6493% | 619 |
| Pretax return on assets | 1.6493% | 956 |
| Return on Equity (ROE) | 21.5216% | 172 |
| Retained earnings to average equity (ytd only) | 14.1428% | 184 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6485% | 3,027 |
| Assets per employee ($millions) | 5.8198% | 2,526 |
| Cash dividends to net income (ytd only)* | 34.2857% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 2,547 |
| Loan loss allowance to noncurrent loans | 618.3908% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 3,874 |
| Noncurrent loans to loans | 0.2061% | 3,466 |
| Net loans and leases to total assets | 42.9647% | 4,302 |
| Net loans and leases to deposits | 53.5188% | 4,133 |
| Net loans and leases to core deposits | 54.7456% | 4,221 |
| Total domestic deposits to total assets | 80.2796% | 4,001 |
| Equity capital to assets | 7.8941% | 4,749 |
| Core capital (leverage) ratio | 7.5166% | 4,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5369% | 2,041 |
| Memoranda: | ||
| Average total assets | $265,270,200 | 2,490 |
| Average earning assets | $244,079,200 | 2,500 |
| Average equity | $20,328,400 | 3,160 |
| Average total loans | $120,675,000 | 2,973 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5123% | 4,189 |
| Cost of funding earning assets | 0.4789% | 3,364 |
| Net interest margin | 3.0334% | 3,900 |
| Noninterest income to average assets | 1.4567% | 546 |
| Noninterest expense to average assets | 2.5596% | 2,664 |
| Loan and lease loss provision to assets | 0.3388% | 1,141 |
| Net operating income to assets | 1.3578% | 1,206 |
| Return on assets (ROA) | 1.8652% | 440 |
| Pretax return on assets | 1.8652% | 683 |
| Return on Equity (ROE) | 24.5472% | 127 |
| Retained earnings to average equity (ytd only) | 16.9207% | 126 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1355% | 3,374 |
| Assets per employee ($millions) | 5.5063% | 2,706 |
| Cash dividends to net income (ytd only)* | 31.0688% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,530 |
| Loan loss allowance to noncurrent loans | 280.0712% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 3,417 |
| Noncurrent loans to loans | 0.4374% | 2,747 |
| Net loans and leases to total assets | 46.0972% | 4,312 |
| Net loans and leases to deposits | 57.2518% | 4,198 |
| Net loans and leases to core deposits | 58.7019% | 4,269 |
| Total domestic deposits to total assets | 80.5166% | 3,764 |
| Equity capital to assets | 8.1455% | 4,661 |
| Core capital (leverage) ratio | 7.5887% | 4,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2947% | 1,732 |
| Memoranda: | ||
| Average total assets | $258,840,750 | 2,508 |
| Average earning assets | $238,888,500 | 2,517 |
| Average equity | $19,667,750 | 3,221 |
| Average total loans | $119,184,750 | 3,000 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6548% | 4,165 |
| Cost of funding earning assets | 0.5140% | 3,446 |
| Net interest margin | 3.1407% | 3,807 |
| Noninterest income to average assets | 1.2702% | 630 |
| Noninterest expense to average assets | 2.5933% | 2,685 |
| Loan and lease loss provision to assets | 0.4729% | 796 |
| Net operating income to assets | 1.1028% | 1,954 |
| Return on assets (ROA) | 1.8796% | 463 |
| Pretax return on assets | 1.8796% | 697 |
| Return on Equity (ROE) | 25.3996% | 110 |
| Retained earnings to average equity (ytd only) | 17.3989% | 130 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2041% | 3,095 |
| Assets per employee ($millions) | 5.3539% | 2,772 |
| Cash dividends to net income (ytd only)* | 31.4994% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 2,711 |
| Loan loss allowance to noncurrent loans | 72.9417% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.7460% | 1,658 |
| Noncurrent loans to loans | 1.5949% | 926 |
| Net loans and leases to total assets | 46.2330% | 4,353 |
| Net loans and leases to deposits | 57.2549% | 4,253 |
| Net loans and leases to core deposits | 59.1661% | 4,300 |
| Total domestic deposits to total assets | 80.7494% | 3,671 |
| Equity capital to assets | 7.6544% | 4,842 |
| Core capital (leverage) ratio | 7.3663% | 4,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9187% | 1,852 |
| Memoranda: | ||
| Average total assets | $253,349,000 | 2,522 |
| Average earning assets | $233,830,667 | 2,526 |
| Average equity | $18,748,333 | 3,295 |
| Average total loans | $116,084,000 | 3,024 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1491% | 4,892 |
| Cost of funding earning assets | 0.5572% | 3,652 |
| Net interest margin | 2.5919% | 4,760 |
| Noninterest income to average assets | 0.9816% | 895 |
| Noninterest expense to average assets | 2.6542% | 2,823 |
| Loan and lease loss provision to assets | 0.2309% | 1,343 |
| Net operating income to assets | 0.4916% | 3,915 |
| Return on assets (ROA) | 0.5498% | 3,803 |
| Pretax return on assets | 0.5498% | 4,033 |
| Return on Equity (ROE) | 7.5798% | 2,696 |
| Retained earnings to average equity (ytd only) | -1.0076% | 4,141 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6030% | 1,274 |
| Assets per employee ($millions) | 4.6522% | 3,065 |
| Cash dividends to net income (ytd only)* | 113.2931% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,850 |
| Loan loss allowance to noncurrent loans | 52.0988% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 1,683 |
| Noncurrent loans to loans | 1.8602% | 796 |
| Net loans and leases to total assets | 42.9120% | 4,551 |
| Net loans and leases to deposits | 52.4752% | 4,501 |
| Net loans and leases to core deposits | 54.3217% | 4,559 |
| Total domestic deposits to total assets | 81.7757% | 3,478 |
| Equity capital to assets | 6.7650% | 5,078 |
| Core capital (leverage) ratio | 7.7838% | 5,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1825% | 2,203 |
| Memoranda: | ||
| Average total assets | $240,823,000 | 2,550 |
| Average earning assets | $222,539,000 | 2,553 |
| Average equity | $17,467,500 | 3,423 |
| Average total loans | $109,012,000 | 3,096 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3759% | 4,928 |
| Cost of funding earning assets | 0.3880% | 4,482 |
| Net interest margin | 2.9879% | 4,529 |
| Noninterest income to average assets | 0.8595% | 1,275 |
| Noninterest expense to average assets | 2.7525% | 2,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9308% | 3,089 |
| Return on assets (ROA) | 0.9370% | 3,147 |
| Pretax return on assets | 0.9370% | 3,637 |
| Return on Equity (ROE) | 11.5331% | 1,680 |
| Retained earnings to average equity (ytd only) | 2.7516% | 3,663 |
| Net charge-offs to loans | 0.0029% | 3,582 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 652.3333% | 155 |
| Efficiency ratio | 74.7288% | 1,521 |
| Assets per employee ($millions) | 4.2672% | 3,557 |
| Cash dividends to net income (ytd only)* | 76.1421% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 4,190 |
| Loan loss allowance to noncurrent loans | 41.0578% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 0.9682% | 1,299 |
| Noncurrent loans to loans | 2.0437% | 623 |
| Net loans and leases to total assets | 46.9780% | 4,478 |
| Net loans and leases to deposits | 58.9183% | 4,335 |
| Net loans and leases to core deposits | 60.9869% | 4,393 |
| Total domestic deposits to total assets | 79.7341% | 4,034 |
| Equity capital to assets | 7.7855% | 5,084 |
| Core capital (leverage) ratio | 8.0395% | 5,024 |
| Tier 1 risk-based capital ratio | 13.3314% | 3,617 |
| Total risk-based capital ratio | 14.0165% | 3,805 |
| Memoranda: | ||
| Average total assets | $210,244,000 | 2,756 |
| Average earning assets | $198,700,400 | 2,722 |
| Average equity | $17,081,200 | 3,423 |
| Average total loans | $104,465,000 | 3,164 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4230% | 5,007 |
| Cost of funding earning assets | 0.3372% | 4,701 |
| Net interest margin | 3.0859% | 4,498 |
| Noninterest income to average assets | 0.8148% | 1,378 |
| Noninterest expense to average assets | 2.6647% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0819% | 2,646 |
| Return on assets (ROA) | 1.0903% | 2,701 |
| Pretax return on assets | 1.0903% | 3,322 |
| Return on Equity (ROE) | 13.2646% | 1,187 |
| Retained earnings to average equity (ytd only) | 4.3714% | 3,212 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1238% | 1,949 |
| Assets per employee ($millions) | 4.1683% | 3,668 |
| Cash dividends to net income (ytd only)* | 67.0439% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 4,124 |
| Loan loss allowance to noncurrent loans | 33.9993% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2235% | 1,028 |
| Noncurrent loans to loans | 2.5896% | 434 |
| Net loans and leases to total assets | 46.8306% | 4,559 |
| Net loans and leases to deposits | 61.3902% | 4,320 |
| Net loans and leases to core deposits | 63.4648% | 4,401 |
| Total domestic deposits to total assets | 76.2835% | 4,611 |
| Equity capital to assets | 8.1726% | 5,096 |
| Core capital (leverage) ratio | 8.8632% | 4,736 |
| Tier 1 risk-based capital ratio | 12.4035% | 4,198 |
| Total risk-based capital ratio | 13.0400% | 4,418 |
| Memoranda: | ||
| Average total assets | $205,198,250 | 2,817 |
| Average earning assets | $194,948,250 | 2,767 |
| Average equity | $16,866,500 | 3,472 |
| Average total loans | $103,289,750 | 3,220 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4678% | 5,031 |
| Cost of funding earning assets | 0.3213% | 4,765 |
| Net interest margin | 3.1466% | 4,459 |
| Noninterest income to average assets | 0.6571% | 1,886 |
| Noninterest expense to average assets | 2.6636% | 3,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9912% | 2,955 |
| Return on assets (ROA) | 0.9942% | 3,010 |
| Pretax return on assets | 0.9942% | 3,570 |
| Return on Equity (ROE) | 12.0702% | 1,549 |
| Retained earnings to average equity (ytd only) | 2.9629% | 3,733 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8790% | 1,795 |
| Assets per employee ($millions) | 4.2049% | 3,566 |
| Cash dividends to net income (ytd only)* | 75.4527% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 4,206 |
| Loan loss allowance to noncurrent loans | 31.7554% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.4644% | 776 |
| Noncurrent loans to loans | 2.7329% | 392 |
| Net loans and leases to total assets | 53.1177% | 4,283 |
| Net loans and leases to deposits | 66.0285% | 4,095 |
| Net loans and leases to core deposits | 67.4705% | 4,237 |
| Total domestic deposits to total assets | 80.4467% | 3,951 |
| Equity capital to assets | 8.9273% | 4,833 |
| Core capital (leverage) ratio | 8.8998% | 4,713 |
| Tier 1 risk-based capital ratio | 14.1804% | 3,230 |
| Total risk-based capital ratio | 14.9209% | 3,396 |
| Memoranda: | ||
| Average total assets | $199,957,000 | 2,872 |
| Average earning assets | $190,493,000 | 2,821 |
| Average equity | $16,470,330 | 3,516 |
| Average total loans | $102,927,000 | 3,241 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4412% | 5,089 |
| Cost of funding earning assets | 0.3109% | 4,814 |
| Net interest margin | 3.1303% | 4,533 |
| Noninterest income to average assets | 0.4853% | 2,642 |
| Noninterest expense to average assets | 2.6551% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8134% | 3,571 |
| Return on assets (ROA) | 0.8134% | 3,608 |
| Pretax return on assets | 0.8134% | 4,009 |
| Return on Equity (ROE) | 10.2997% | 2,239 |
| Retained earnings to average equity (ytd only) | 0.8562% | 4,349 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5482% | 1,444 |
| Assets per employee ($millions) | 4.3603% | 3,401 |
| Cash dividends to net income (ytd only)* | 91.6870% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 4,151 |
| Loan loss allowance to noncurrent loans | 30.0818% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 1.5231% | 778 |
| Noncurrent loans to loans | 2.9940% | 364 |
| Net loans and leases to total assets | 50.4148% | 4,441 |
| Net loans and leases to deposits | 60.3760% | 4,389 |
| Net loans and leases to core deposits | 62.1025% | 4,471 |
| Total domestic deposits to total assets | 83.5014% | 3,216 |
| Equity capital to assets | 8.1491% | 5,140 |
| Core capital (leverage) ratio | 8.6612% | 4,905 |
| Tier 1 risk-based capital ratio | 14.2239% | 3,231 |
| Total risk-based capital ratio | 14.9756% | 3,394 |
| Memoranda: | ||
| Average total assets | $201,121,000 | 2,895 |
| Average earning assets | $191,677,000 | 2,835 |
| Average equity | $15,884,000 | 3,596 |
| Average total loans | $101,443,000 | 3,302 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3142% | 5,073 |
| Cost of funding earning assets | 0.2498% | 4,810 |
| Net interest margin | 3.0643% | 4,710 |
| Noninterest income to average assets | 0.8088% | 1,418 |
| Noninterest expense to average assets | 2.7092% | 2,993 |
| Loan and lease loss provision to assets | 0.0035% | 4,037 |
| Net operating income to assets | 1.0160% | 2,943 |
| Return on assets (ROA) | 1.0010% | 2,992 |
| Pretax return on assets | 1.0010% | 3,600 |
| Return on Equity (ROE) | 13.4758% | 1,181 |
| Retained earnings to average equity (ytd only) | 3.4192% | 3,708 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6593% | 1,820 |
| Assets per employee ($millions) | 4.4815% | 3,199 |
| Cash dividends to net income (ytd only)* | 74.6269% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 4,108 |
| Loan loss allowance to noncurrent loans | 29.9641% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.5208% | 769 |
| Noncurrent loans to loans | 3.0412% | 329 |
| Net loans and leases to total assets | 49.5512% | 4,554 |
| Net loans and leases to deposits | 60.0210% | 4,474 |
| Net loans and leases to core deposits | 61.4528% | 4,563 |
| Total domestic deposits to total assets | 82.5565% | 3,464 |
| Equity capital to assets | 7.6477% | 5,255 |
| Core capital (leverage) ratio | 8.6295% | 4,935 |
| Tier 1 risk-based capital ratio | 14.3969% | 3,113 |
| Total risk-based capital ratio | 15.1592% | 3,256 |
| Memoranda: | ||
| Average total assets | $200,794,600 | 2,860 |
| Average earning assets | $191,331,000 | 2,814 |
| Average equity | $14,915,600 | 3,650 |
| Average total loans | $100,426,000 | 3,285 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2705% | 5,145 |
| Cost of funding earning assets | 0.2323% | 4,878 |
| Net interest margin | 3.0382% | 4,796 |
| Noninterest income to average assets | 0.8515% | 1,327 |
| Noninterest expense to average assets | 2.6769% | 3,040 |
| Loan and lease loss provision to assets | 0.0047% | 3,876 |
| Net operating income to assets | 1.0649% | 2,808 |
| Return on assets (ROA) | 1.0450% | 2,905 |
| Pretax return on assets | 1.0450% | 3,591 |
| Return on Equity (ROE) | 14.1726% | 1,072 |
| Retained earnings to average equity (ytd only) | 4.0300% | 3,755 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4514% | 1,969 |
| Assets per employee ($millions) | 4.3350% | 3,378 |
| Cash dividends to net income (ytd only)* | 71.5647% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 4,197 |
| Loan loss allowance to noncurrent loans | 28.6293% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.6098% | 776 |
| Noncurrent loans to loans | 3.2064% | 325 |
| Net loans and leases to total assets | 49.7432% | 4,616 |
| Net loans and leases to deposits | 60.0341% | 4,549 |
| Net loans and leases to core deposits | 61.5125% | 4,636 |
| Total domestic deposits to total assets | 82.8583% | 3,359 |
| Equity capital to assets | 7.2490% | 5,356 |
| Core capital (leverage) ratio | 8.3959% | 5,145 |
| Tier 1 risk-based capital ratio | 14.4371% | 3,156 |
| Total risk-based capital ratio | 15.2043% | 3,304 |
| Memoranda: | ||
| Average total assets | $200,576,250 | 2,881 |
| Average earning assets | $191,120,250 | 2,830 |
| Average equity | $14,788,750 | 3,690 |
| Average total loans | $100,320,500 | 3,320 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1886% | 5,236 |
| Cost of funding earning assets | 0.2090% | 4,988 |
| Net interest margin | 2.9796% | 4,905 |
| Noninterest income to average assets | 0.8947% | 1,196 |
| Noninterest expense to average assets | 2.6701% | 3,107 |
| Loan and lease loss provision to assets | 0.0070% | 3,696 |
| Net operating income to assets | 1.0559% | 2,776 |
| Return on assets (ROA) | 1.0260% | 2,920 |
| Pretax return on assets | 1.0260% | 3,583 |
| Return on Equity (ROE) | 13.8389% | 1,119 |
| Retained earnings to average equity (ytd only) | 3.7718% | 3,715 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5276% | 2,081 |
| Assets per employee ($millions) | 4.2611% | 3,481 |
| Cash dividends to net income (ytd only)* | 72.7449% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 4,372 |
| Loan loss allowance to noncurrent loans | 29.1653% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 1.5406% | 856 |
| Noncurrent loans to loans | 3.0575% | 369 |
| Net loans and leases to total assets | 49.9377% | 4,612 |
| Net loans and leases to deposits | 60.6414% | 4,496 |
| Net loans and leases to core deposits | 62.7012% | 4,574 |
| Total domestic deposits to total assets | 82.3491% | 3,615 |
| Equity capital to assets | 7.1358% | 5,434 |
| Core capital (leverage) ratio | 8.4987% | 5,114 |
| Tier 1 risk-based capital ratio | 13.6117% | 3,558 |
| Total risk-based capital ratio | 14.3421% | 3,769 |
| Memoranda: | ||
| Average total assets | $200,965,670 | 2,891 |
| Average earning assets | $191,432,000 | 2,839 |
| Average equity | $14,900,000 | 3,691 |
| Average total loans | $100,390,330 | 3,335 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1018% | 5,311 |
| Cost of funding earning assets | 0.2005% | 5,015 |
| Net interest margin | 2.9013% | 5,027 |
| Noninterest income to average assets | 0.8635% | 1,253 |
| Noninterest expense to average assets | 2.6167% | 3,288 |
| Loan and lease loss provision to assets | 0.0040% | 3,460 |
| Net operating income to assets | 1.0041% | 2,841 |
| Return on assets (ROA) | 0.9439% | 3,111 |
| Pretax return on assets | 0.9439% | 3,721 |
| Return on Equity (ROE) | 12.4896% | 1,414 |
| Retained earnings to average equity (ytd only) | 2.5245% | 4,158 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1884% | 2,167 |
| Assets per employee ($millions) | 4.4544% | 3,235 |
| Cash dividends to net income (ytd only)* | 79.7872% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9030% | 4,437 |
| Loan loss allowance to noncurrent loans | 28.2622% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 1.6134% | 836 |
| Noncurrent loans to loans | 3.1950% | 359 |
| Net loans and leases to total assets | 50.0414% | 4,553 |
| Net loans and leases to deposits | 59.4447% | 4,513 |
| Net loans and leases to core deposits | 61.2715% | 4,598 |
| Total domestic deposits to total assets | 84.1814% | 3,251 |
| Equity capital to assets | 7.2508% | 5,479 |
| Core capital (leverage) ratio | 8.5502% | 5,105 |
| Tier 1 risk-based capital ratio | 14.1878% | 3,283 |
| Total risk-based capital ratio | 14.9533% | 3,449 |
| Memoranda: | ||
| Average total assets | $199,182,000 | 2,938 |
| Average earning assets | $189,567,000 | 2,889 |
| Average equity | $15,052,500 | 3,703 |
| Average total loans | $99,056,500 | 3,378 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1952% | 5,194 |
| Cost of funding earning assets | 0.2027% | 4,929 |
| Net interest margin | 2.9924% | 4,901 |
| Noninterest income to average assets | 0.5638% | 2,639 |
| Noninterest expense to average assets | 2.6031% | 3,436 |
| Loan and lease loss provision to assets | -0.0161% | 5,323 |
| Net operating income to assets | 0.8150% | 3,094 |
| Return on assets (ROA) | 0.8306% | 3,066 |
| Pretax return on assets | 0.8306% | 4,161 |
| Return on Equity (ROE) | 10.3691% | 1,741 |
| Retained earnings to average equity (ytd only) | 0.9426% | 4,642 |
| Net charge-offs to loans | 0.3056% | 839 |
| Credit loss provision to net charge-offs | -10.9589% | 4,588 |
| Earnings coverage of net charge-offs (x) | 5.4349% | 3,326 |
| Efficiency ratio | 76.5167% | 1,552 |
| Assets per employee ($millions) | 4.2110% | 3,637 |
| Cash dividends to net income (ytd only)* | 90.9091% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 4,268 |
| Loan loss allowance to noncurrent loans | 114.5729% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 3,252 |
| Noncurrent loans to loans | 0.8215% | 2,162 |
| Net loans and leases to total assets | 48.4953% | 4,737 |
| Net loans and leases to deposits | 58.4649% | 4,666 |
| Net loans and leases to core deposits | 60.3246% | 4,740 |
| Total domestic deposits to total assets | 82.9478% | 3,580 |
| Equity capital to assets | 7.8675% | 5,432 |
| Core capital (leverage) ratio | 8.4240% | 5,202 |
| Tier 1 risk-based capital ratio | 14.4264% | 3,124 |
| Total risk-based capital ratio | 15.2075% | 3,293 |
| Memoranda: | ||
| Average total assets | $198,648,200 | 2,937 |
| Average earning assets | $188,410,000 | 2,883 |
| Average equity | $15,912,600 | 3,608 |
| Average total loans | $95,539,000 | 3,424 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1764% | 5,260 |
| Cost of funding earning assets | 0.2016% | 4,964 |
| Net interest margin | 2.9748% | 4,973 |
| Noninterest income to average assets | 0.9066% | 1,252 |
| Noninterest expense to average assets | 2.9217% | 2,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8047% | 3,508 |
| Return on assets (ROA) | 0.8255% | 3,443 |
| Pretax return on assets | 0.8255% | 4,284 |
| Return on Equity (ROE) | 10.2593% | 2,007 |
| Retained earnings to average equity (ytd only) | 0.8834% | 5,009 |
| Net charge-offs to loans | 0.4089% | 514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.1096% | 3,265 |
| Efficiency ratio | 78.4056% | 1,275 |
| Assets per employee ($millions) | 4.5781% | 3,005 |
| Cash dividends to net income (ytd only)* | 91.3891% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 4,261 |
| Loan loss allowance to noncurrent loans | 110.7981% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.8052% | 2,133 |
| Noncurrent loans to loans | 0.8708% | 2,195 |
| Net loans and leases to total assets | 48.1036% | 4,818 |
| Net loans and leases to deposits | 58.5939% | 4,713 |
| Net loans and leases to core deposits | 60.4425% | 4,795 |
| Total domestic deposits to total assets | 82.0967% | 3,744 |
| Equity capital to assets | 8.1375% | 5,465 |
| Core capital (leverage) ratio | 8.4499% | 5,277 |
| Tier 1 risk-based capital ratio | 14.6985% | 3,067 |
| Total risk-based capital ratio | 15.5245% | 3,214 |
| Memoranda: | ||
| Average total assets | $198,831,250 | 2,961 |
| Average earning assets | $188,470,000 | 2,910 |
| Average equity | $15,998,000 | 3,628 |
| Average total loans | $95,200,750 | 3,460 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1729% | 5,273 |
| Cost of funding earning assets | 0.1994% | 4,991 |
| Net interest margin | 2.9735% | 4,968 |
| Noninterest income to average assets | 0.8315% | 1,461 |
| Noninterest expense to average assets | 2.5752% | 3,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0739% | 2,109 |
| Return on assets (ROA) | 1.0739% | 2,153 |
| Pretax return on assets | 1.0739% | 3,286 |
| Return on Equity (ROE) | 13.3992% | 948 |
| Retained earnings to average equity (ytd only) | 3.9454% | 3,350 |
| Net charge-offs to loans | 0.6192% | 321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.6404% | 3,018 |
| Efficiency ratio | 70.5703% | 2,572 |
| Assets per employee ($millions) | 4.4632% | 3,172 |
| Cash dividends to net income (ytd only)* | 70.5550% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 4,249 |
| Loan loss allowance to noncurrent loans | 122.5974% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.0556% | 1,656 |
| Noncurrent loans to loans | 0.8024% | 2,395 |
| Net loans and leases to total assets | 47.3103% | 4,866 |
| Net loans and leases to deposits | 56.8887% | 4,813 |
| Net loans and leases to core deposits | 58.8113% | 4,882 |
| Total domestic deposits to total assets | 83.1629% | 3,520 |
| Equity capital to assets | 8.3752% | 5,366 |
| Core capital (leverage) ratio | 8.4167% | 5,273 |
| Tier 1 risk-based capital ratio | 14.8107% | 3,010 |
| Total risk-based capital ratio | 15.6328% | 3,150 |
| Memoranda: | ||
| Average total assets | $197,962,330 | 2,985 |
| Average earning assets | $187,587,330 | 2,937 |
| Average equity | $15,866,670 | 3,653 |
| Average total loans | $94,320,000 | 3,489 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1178% | 5,350 |
| Cost of funding earning assets | 0.1977% | 4,999 |
| Net interest margin | 2.9201% | 5,048 |
| Noninterest income to average assets | 0.7653% | 1,686 |
| Noninterest expense to average assets | 2.6094% | 3,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9220% | 2,656 |
| Return on assets (ROA) | 0.9220% | 2,712 |
| Pretax return on assets | 0.9220% | 3,687 |
| Return on Equity (ROE) | 11.7743% | 1,313 |
| Retained earnings to average equity (ytd only) | 2.0274% | 4,326 |
| Net charge-offs to loans | 0.4792% | 384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.0446% | 2,424 |
| Efficiency ratio | 73.8905% | 2,251 |
| Assets per employee ($millions) | 4.2697% | 3,546 |
| Cash dividends to net income (ytd only)* | 82.7815% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 3,288 |
| Loan loss allowance to noncurrent loans | 88.6435% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.2722% | 1,344 |
| Noncurrent loans to loans | 1.3244% | 1,532 |
| Net loans and leases to total assets | 47.1502% | 4,881 |
| Net loans and leases to deposits | 54.9477% | 4,885 |
| Net loans and leases to core deposits | 56.7467% | 4,936 |
| Total domestic deposits to total assets | 85.8091% | 2,753 |
| Equity capital to assets | 7.7727% | 5,608 |
| Core capital (leverage) ratio | 8.6194% | 5,133 |
| Tier 1 risk-based capital ratio | 14.7859% | 3,074 |
| Total risk-based capital ratio | 15.7768% | 3,117 |
| Memoranda: | ||
| Average total assets | $196,522,500 | 3,030 |
| Average earning assets | $186,157,500 | 2,984 |
| Average equity | $15,389,500 | 3,738 |
| Average total loans | $93,498,500 | 3,525 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1432% | 5,362 |
| Cost of funding earning assets | 0.1969% | 5,041 |
| Net interest margin | 2.9462% | 5,057 |
| Noninterest income to average assets | 0.8603% | 1,539 |
| Noninterest expense to average assets | 2.6638% | 3,476 |
| Loan and lease loss provision to assets | -0.0773% | 5,646 |
| Net operating income to assets | 1.0577% | 2,102 |
| Return on assets (ROA) | 1.1196% | 1,906 |
| Pretax return on assets | 1.1196% | 3,019 |
| Return on Equity (ROE) | 13.2286% | 945 |
| Retained earnings to average equity (ytd only) | 4.0928% | 3,000 |
| Net charge-offs to loans | 0.1792% | 1,535 |
| Credit loss provision to net charge-offs | -86.7052% | 4,879 |
| Earnings coverage of net charge-offs (x) | 10.9942% | 2,575 |
| Efficiency ratio | 73.0976% | 2,417 |
| Assets per employee ($millions) | 4.3720% | 3,329 |
| Cash dividends to net income (ytd only)* | 69.0608% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 2,281 |
| Loan loss allowance to noncurrent loans | 83.5700% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.4368% | 1,181 |
| Noncurrent loans to loans | 1.6208% | 1,207 |
| Net loans and leases to total assets | 46.7944% | 4,966 |
| Net loans and leases to deposits | 55.9696% | 4,912 |
| Net loans and leases to core deposits | 57.8631% | 4,973 |
| Total domestic deposits to total assets | 83.6069% | 3,568 |
| Equity capital to assets | 7.8917% | 5,610 |
| Core capital (leverage) ratio | 8.5835% | 5,184 |
| Tier 1 risk-based capital ratio | 15.4253% | 2,779 |
| Total risk-based capital ratio | 16.5673% | 2,768 |
| Memoranda: | ||
| Average total assets | $194,006,200 | 3,026 |
| Average earning assets | $183,318,000 | 2,984 |
| Average equity | $16,419,000 | 3,635 |
| Average total loans | $96,526,600 | 3,451 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1594% | 5,422 |
| Cost of funding earning assets | 0.1953% | 5,119 |
| Net interest margin | 2.9640% | 5,075 |
| Noninterest income to average assets | 0.8675% | 1,524 |
| Noninterest expense to average assets | 2.6472% | 3,509 |
| Loan and lease loss provision to assets | -0.1029% | 5,795 |
| Net operating income to assets | 1.1226% | 1,903 |
| Return on assets (ROA) | 1.2132% | 1,694 |
| Pretax return on assets | 1.2132% | 2,784 |
| Return on Equity (ROE) | 14.0994% | 803 |
| Retained earnings to average equity (ytd only) | 5.1329% | 2,732 |
| Net charge-offs to loans | 0.1881% | 1,240 |
| Credit loss provision to net charge-offs | -108.6957% | 4,767 |
| Earnings coverage of net charge-offs (x) | 10.7751% | 2,546 |
| Efficiency ratio | 72.1900% | 2,553 |
| Assets per employee ($millions) | 4.2460% | 3,518 |
| Cash dividends to net income (ytd only)* | 63.5951% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 2,368 |
| Loan loss allowance to noncurrent loans | 80.2399% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.5016% | 1,196 |
| Noncurrent loans to loans | 1.7001% | 1,234 |
| Net loans and leases to total assets | 48.0973% | 4,953 |
| Net loans and leases to deposits | 58.7777% | 4,833 |
| Net loans and leases to core deposits | 60.4157% | 4,913 |
| Total domestic deposits to total assets | 81.8291% | 3,986 |
| Equity capital to assets | 9.0015% | 5,176 |
| Core capital (leverage) ratio | 8.6279% | 5,233 |
| Tier 1 risk-based capital ratio | 15.7000% | 2,754 |
| Total risk-based capital ratio | 16.8973% | 2,700 |
| Memoranda: | ||
| Average total assets | $194,416,000 | 3,027 |
| Average earning assets | $183,618,750 | 2,986 |
| Average equity | $16,728,500 | 3,618 |
| Average total loans | $97,845,000 | 3,432 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1158% | 5,529 |
| Cost of funding earning assets | 0.1950% | 5,195 |
| Net interest margin | 2.9208% | 5,231 |
| Noninterest income to average assets | 0.7856% | 1,780 |
| Noninterest expense to average assets | 2.6236% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9195% | 2,772 |
| Return on assets (ROA) | 0.9277% | 2,867 |
| Pretax return on assets | 0.9277% | 3,846 |
| Return on Equity (ROE) | 10.9464% | 1,668 |
| Retained earnings to average equity (ytd only) | 1.8948% | 4,607 |
| Net charge-offs to loans | 0.0302% | 2,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 59.9333% | 881 |
| Efficiency ratio | 74.0473% | 2,351 |
| Assets per employee ($millions) | 4.2410% | 3,479 |
| Cash dividends to net income (ytd only)* | 82.6902% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 1,619 |
| Loan loss allowance to noncurrent loans | 83.1001% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.5342% | 1,233 |
| Noncurrent loans to loans | 1.8886% | 1,075 |
| Net loans and leases to total assets | 49.6371% | 4,865 |
| Net loans and leases to deposits | 61.0556% | 4,726 |
| Net loans and leases to core deposits | 62.6644% | 4,844 |
| Total domestic deposits to total assets | 81.2982% | 4,189 |
| Equity capital to assets | 8.7104% | 5,475 |
| Core capital (leverage) ratio | 8.1663% | 5,616 |
| Tier 1 risk-based capital ratio | 14.7894% | 3,160 |
| Total risk-based capital ratio | 16.0407% | 3,106 |
| Memoranda: | ||
| Average total assets | $195,531,670 | 3,036 |
| Average earning assets | $184,606,000 | 2,992 |
| Average equity | $16,571,670 | 3,651 |
| Average total loans | $99,403,330 | 3,418 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1298% | 5,574 |
| Cost of funding earning assets | 0.1926% | 5,265 |
| Net interest margin | 2.9371% | 5,243 |
| Noninterest income to average assets | 0.6641% | 2,199 |
| Noninterest expense to average assets | 2.5665% | 3,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8705% | 2,897 |
| Return on assets (ROA) | 0.8705% | 3,013 |
| Pretax return on assets | 0.8705% | 3,966 |
| Return on Equity (ROE) | 10.4150% | 1,809 |
| Retained earnings to average equity (ytd only) | 1.2469% | 4,754 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6730% | 2,377 |
| Assets per employee ($millions) | 4.5105% | 3,053 |
| Cash dividends to net income (ytd only)* | 88.0282% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 1,627 |
| Loan loss allowance to noncurrent loans | 89.8041% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.4466% | 1,428 |
| Noncurrent loans to loans | 1.7735% | 1,249 |
| Net loans and leases to total assets | 48.5350% | 4,926 |
| Net loans and leases to deposits | 58.4927% | 4,820 |
| Net loans and leases to core deposits | 60.1954% | 4,927 |
| Total domestic deposits to total assets | 82.9762% | 3,904 |
| Equity capital to assets | 8.3733% | 5,654 |
| Core capital (leverage) ratio | 8.2672% | 5,596 |
| Tier 1 risk-based capital ratio | 14.7931% | 3,247 |
| Total risk-based capital ratio | 16.0447% | 3,184 |
| Memoranda: | ||
| Average total assets | $195,753,500 | 3,035 |
| Average earning assets | $184,806,500 | 2,999 |
| Average equity | $16,361,000 | 3,683 |
| Average total loans | $99,915,000 | 3,423 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2356% | 5,462 |
| Cost of funding earning assets | 0.2097% | 5,197 |
| Net interest margin | 3.0259% | 5,074 |
| Noninterest income to average assets | 0.8080% | 1,757 |
| Noninterest expense to average assets | 2.7407% | 3,444 |
| Loan and lease loss provision to assets | 0.0244% | 3,897 |
| Net operating income to assets | 0.8860% | 2,949 |
| Return on assets (ROA) | 0.9073% | 2,910 |
| Pretax return on assets | 0.9073% | 3,810 |
| Return on Equity (ROE) | 10.8397% | 1,668 |
| Retained earnings to average equity (ytd only) | 1.5219% | 4,853 |
| Net charge-offs to loans | 0.0274% | 3,683 |
| Credit loss provision to net charge-offs | 167.8571% | 1,608 |
| Earnings coverage of net charge-offs (x) | 62.5357% | 846 |
| Efficiency ratio | 75.0641% | 2,419 |
| Assets per employee ($millions) | 4.3874% | 3,240 |
| Cash dividends to net income (ytd only)* | 85.9599% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 1,864 |
| Loan loss allowance to noncurrent loans | 87.6828% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.5245% | 1,323 |
| Noncurrent loans to loans | 1.7440% | 1,288 |
| Net loans and leases to total assets | 52.0027% | 4,693 |
| Net loans and leases to deposits | 62.8411% | 4,559 |
| Net loans and leases to core deposits | 65.2298% | 4,650 |
| Total domestic deposits to total assets | 82.7526% | 3,927 |
| Equity capital to assets | 8.3421% | 5,674 |
| Core capital (leverage) ratio | 8.2838% | 5,620 |
| Tier 1 risk-based capital ratio | 14.3105% | 3,543 |
| Total risk-based capital ratio | 15.5618% | 3,459 |
| Memoranda: | ||
| Average total assets | $192,326,600 | 3,020 |
| Average earning assets | $180,709,400 | 2,993 |
| Average equity | $16,098,200 | 3,661 |
| Average total loans | $102,199,800 | 3,349 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 5,485 |
| Cost of funding earning assets | 0.2129% | 5,259 |
| Net interest margin | 3.0472% | 5,081 |
| Noninterest income to average assets | 0.8146% | 1,753 |
| Noninterest expense to average assets | 2.7555% | 3,356 |
| Loan and lease loss provision to assets | 0.0326% | 3,579 |
| Net operating income to assets | 0.8868% | 3,011 |
| Return on assets (ROA) | 0.9152% | 2,973 |
| Pretax return on assets | 0.9152% | 3,931 |
| Return on Equity (ROE) | 10.9253% | 1,736 |
| Retained earnings to average equity (ytd only) | 1.6069% | 5,064 |
| Net charge-offs to loans | 0.0365% | 3,176 |
| Credit loss provision to net charge-offs | 167.8571% | 1,546 |
| Earnings coverage of net charge-offs (x) | 47.3244% | 1,096 |
| Efficiency ratio | 74.9811% | 2,404 |
| Assets per employee ($millions) | 4.1983% | 3,519 |
| Cash dividends to net income (ytd only)* | 85.2919% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 1,940 |
| Loan loss allowance to noncurrent loans | 87.8310% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.6567% | 1,322 |
| Noncurrent loans to loans | 1.7733% | 1,341 |
| Net loans and leases to total assets | 52.1572% | 4,742 |
| Net loans and leases to deposits | 64.3047% | 4,529 |
| Net loans and leases to core deposits | 67.3769% | 4,593 |
| Total domestic deposits to total assets | 81.1094% | 4,447 |
| Equity capital to assets | 8.6018% | 5,643 |
| Core capital (leverage) ratio | 8.3199% | 5,700 |
| Tier 1 risk-based capital ratio | 14.8024% | 3,385 |
| Total risk-based capital ratio | 16.0545% | 3,333 |
| Memoranda: | ||
| Average total assets | $192,147,250 | 3,055 |
| Average earning assets | $180,357,000 | 3,017 |
| Average equity | $16,096,750 | 3,693 |
| Average total loans | $102,263,000 | 3,382 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2761% | 5,484 |
| Cost of funding earning assets | 0.2161% | 5,296 |
| Net interest margin | 3.0601% | 5,064 |
| Noninterest income to average assets | 0.8125% | 1,725 |
| Noninterest expense to average assets | 2.6902% | 3,625 |
| Loan and lease loss provision to assets | 0.0486% | 3,147 |
| Net operating income to assets | 0.9471% | 2,652 |
| Return on assets (ROA) | 0.9885% | 2,561 |
| Pretax return on assets | 0.9885% | 3,627 |
| Return on Equity (ROE) | 11.9038% | 1,396 |
| Retained earnings to average equity (ytd only) | 2.5553% | 4,430 |
| Net charge-offs to loans | 0.0544% | 2,637 |
| Credit loss provision to net charge-offs | 167.8571% | 1,421 |
| Earnings coverage of net charge-offs (x) | 34.3571% | 1,248 |
| Efficiency ratio | 72.9851% | 2,845 |
| Assets per employee ($millions) | 4.3653% | 3,187 |
| Cash dividends to net income (ytd only)* | 78.5340% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 2,265 |
| Loan loss allowance to noncurrent loans | 59.7776% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 2.0347% | 1,071 |
| Noncurrent loans to loans | 2.5225% | 881 |
| Net loans and leases to total assets | 51.8377% | 4,768 |
| Net loans and leases to deposits | 65.3964% | 4,395 |
| Net loans and leases to core deposits | 68.2072% | 4,473 |
| Total domestic deposits to total assets | 79.2670% | 5,033 |
| Equity capital to assets | 8.1979% | 5,881 |
| Core capital (leverage) ratio | 8.1493% | 5,833 |
| Tier 1 risk-based capital ratio | 14.9067% | 3,409 |
| Total risk-based capital ratio | 16.1594% | 3,341 |
| Memoranda: | ||
| Average total assets | $193,221,330 | 3,060 |
| Average earning assets | $181,433,330 | 3,033 |
| Average equity | $16,045,330 | 3,716 |
| Average total loans | $102,985,000 | 3,379 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2325% | 5,593 |
| Cost of funding earning assets | 0.2236% | 5,280 |
| Net interest margin | 3.0088% | 5,194 |
| Noninterest income to average assets | 0.7411% | 1,959 |
| Noninterest expense to average assets | 2.6303% | 3,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9477% | 2,523 |
| Return on assets (ROA) | 1.0313% | 2,266 |
| Pretax return on assets | 1.0313% | 3,373 |
| Return on Equity (ROE) | 12.3377% | 1,261 |
| Retained earnings to average equity (ytd only) | 2.9720% | 4,191 |
| Net charge-offs to loans | 0.0350% | 2,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 50.4444% | 832 |
| Efficiency ratio | 73.5123% | 2,899 |
| Assets per employee ($millions) | 4.5344% | 2,994 |
| Cash dividends to net income (ytd only)* | 75.9109% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 2,387 |
| Loan loss allowance to noncurrent loans | 86.1080% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.6094% | 1,589 |
| Noncurrent loans to loans | 1.7605% | 1,547 |
| Net loans and leases to total assets | 51.0127% | 4,742 |
| Net loans and leases to deposits | 61.9717% | 4,571 |
| Net loans and leases to core deposits | 64.5652% | 4,649 |
| Total domestic deposits to total assets | 82.3160% | 4,409 |
| Equity capital to assets | 8.3060% | 5,866 |
| Core capital (leverage) ratio | 8.3916% | 5,643 |
| Tier 1 risk-based capital ratio | 15.2344% | 3,301 |
| Total risk-based capital ratio | 16.4870% | 3,229 |
| Memoranda: | ||
| Average total assets | $191,612,000 | 3,100 |
| Average earning assets | $180,667,500 | 3,062 |
| Average equity | $16,016,000 | 3,745 |
| Average total loans | $102,783,000 | 3,402 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2769% | 5,737 |
| Cost of funding earning assets | 0.2441% | 5,387 |
| Net interest margin | 3.0327% | 5,367 |
| Noninterest income to average assets | 0.5091% | 3,441 |
| Noninterest expense to average assets | 2.8224% | 3,406 |
| Loan and lease loss provision to assets | 0.0197% | 4,222 |
| Net operating income to assets | 0.5257% | 4,702 |
| Return on assets (ROA) | 0.5824% | 4,535 |
| Pretax return on assets | 0.5824% | 4,997 |
| Return on Equity (ROE) | 7.0468% | 3,596 |
| Retained earnings to average equity (ytd only) | -0.4966% | 5,850 |
| Net charge-offs to loans | 0.5456% | 745 |
| Credit loss provision to net charge-offs | 6.4846% | 4,142 |
| Earnings coverage of net charge-offs (x) | 1.7918% | 4,332 |
| Efficiency ratio | 83.8038% | 1,439 |
| Assets per employee ($millions) | 4.2783% | 3,404 |
| Cash dividends to net income (ytd only)* | 107.0473% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 2,591 |
| Loan loss allowance to noncurrent loans | 96.1899% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.5730% | 1,722 |
| Noncurrent loans to loans | 1.5310% | 1,919 |
| Net loans and leases to total assets | 54.7324% | 4,487 |
| Net loans and leases to deposits | 66.8130% | 4,235 |
| Net loans and leases to core deposits | 69.1344% | 4,399 |
| Total domestic deposits to total assets | 81.9188% | 4,451 |
| Equity capital to assets | 8.4130% | 5,818 |
| Core capital (leverage) ratio | 8.2170% | 5,847 |
| Tier 1 risk-based capital ratio | 14.5023% | 3,776 |
| Total risk-based capital ratio | 15.7541% | 3,716 |
| Memoranda: | ||
| Average total assets | $192,495,600 | 3,077 |
| Average earning assets | $181,454,200 | 3,022 |
| Average equity | $15,908,000 | 3,680 |
| Average total loans | $107,412,200 | 3,279 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2554% | 5,835 |
| Cost of funding earning assets | 0.2470% | 5,439 |
| Net interest margin | 3.0084% | 5,487 |
| Noninterest income to average assets | 0.4546% | 3,860 |
| Noninterest expense to average assets | 2.7905% | 3,499 |
| Loan and lease loss provision to assets | -0.0090% | 6,086 |
| Net operating income to assets | 0.5091% | 4,844 |
| Return on assets (ROA) | 0.5628% | 4,691 |
| Pretax return on assets | 0.5628% | 5,144 |
| Return on Equity (ROE) | 6.8399% | 3,794 |
| Retained earnings to average equity (ytd only) | 0.5609% | 5,643 |
| Net charge-offs to loans | 0.6721% | 524 |
| Credit loss provision to net charge-offs | -2.3853% | 5,209 |
| Earnings coverage of net charge-offs (x) | 1.3321% | 4,183 |
| Efficiency ratio | 84.8022% | 1,303 |
| Assets per employee ($millions) | 4.2501% | 3,381 |
| Cash dividends to net income (ytd only)* | 91.7994% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 2,883 |
| Loan loss allowance to noncurrent loans | 54.3324% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 2.0810% | 1,353 |
| Noncurrent loans to loans | 2.6953% | 1,060 |
| Net loans and leases to total assets | 53.8277% | 4,597 |
| Net loans and leases to deposits | 65.8562% | 4,343 |
| Net loans and leases to core deposits | 68.1101% | 4,503 |
| Total domestic deposits to total assets | 81.7352% | 4,570 |
| Equity capital to assets | 8.3256% | 5,920 |
| Core capital (leverage) ratio | 8.1387% | 5,979 |
| Tier 1 risk-based capital ratio | 14.6328% | 3,797 |
| Total risk-based capital ratio | 15.8845% | 3,739 |
| Memoranda: | ||
| Average total assets | $193,558,250 | 3,083 |
| Average earning assets | $182,460,000 | 3,028 |
| Average equity | $15,925,750 | 3,702 |
| Average total loans | $108,122,500 | 3,284 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3543% | 5,705 |
| Cost of funding earning assets | 0.2514% | 5,469 |
| Net interest margin | 3.1029% | 5,244 |
| Noninterest income to average assets | 0.3715% | 4,463 |
| Noninterest expense to average assets | 2.5853% | 4,290 |
| Loan and lease loss provision to assets | 0.0865% | 2,587 |
| Net operating income to assets | 0.6216% | 4,241 |
| Return on assets (ROA) | 0.6659% | 4,114 |
| Pretax return on assets | 0.6659% | 4,748 |
| Return on Equity (ROE) | 8.1247% | 3,028 |
| Retained earnings to average equity (ytd only) | -1.2934% | 5,898 |
| Net charge-offs to loans | 0.4738% | 853 |
| Credit loss provision to net charge-offs | 32.4324% | 3,024 |
| Earnings coverage of net charge-offs (x) | 2.6564% | 3,496 |
| Efficiency ratio | 78.5000% | 2,227 |
| Assets per employee ($millions) | 4.6417% | 2,713 |
| Cash dividends to net income (ytd only)* | 115.9196% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 2,029 |
| Loan loss allowance to noncurrent loans | 92.3263% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.7616% | 1,841 |
| Noncurrent loans to loans | 1.8760% | 1,829 |
| Net loans and leases to total assets | 54.3776% | 4,493 |
| Net loans and leases to deposits | 63.8160% | 4,521 |
| Net loans and leases to core deposits | 65.9166% | 4,649 |
| Total domestic deposits to total assets | 85.2101% | 3,405 |
| Equity capital to assets | 7.9842% | 6,162 |
| Core capital (leverage) ratio | 8.0397% | 6,070 |
| Tier 1 risk-based capital ratio | 14.0345% | 4,241 |
| Total risk-based capital ratio | 15.2905% | 4,170 |
| Memoranda: | ||
| Average total assets | $194,326,670 | 3,096 |
| Average earning assets | $182,989,000 | 3,042 |
| Average equity | $15,926,670 | 3,704 |
| Average total loans | $109,337,670 | 3,258 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3728% | 5,710 |
| Cost of funding earning assets | 0.2620% | 5,467 |
| Net interest margin | 3.1108% | 5,213 |
| Noninterest income to average assets | 0.5029% | 3,388 |
| Noninterest expense to average assets | 2.6584% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7679% | 3,321 |
| Return on assets (ROA) | 0.7679% | 3,404 |
| Pretax return on assets | 0.7679% | 4,237 |
| Return on Equity (ROE) | 9.2451% | 2,353 |
| Retained earnings to average equity (ytd only) | -0.1759% | 5,586 |
| Net charge-offs to loans | 0.6729% | 544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.0109% | 2,968 |
| Efficiency ratio | 77.5883% | 2,537 |
| Assets per employee ($millions) | 4.5430% | 2,907 |
| Cash dividends to net income (ytd only)* | 101.9022% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7838% | 2,088 |
| Loan loss allowance to noncurrent loans | 97.1443% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.7686% | 1,988 |
| Noncurrent loans to loans | 1.8362% | 2,089 |
| Net loans and leases to total assets | 53.6936% | 4,464 |
| Net loans and leases to deposits | 63.7217% | 4,344 |
| Net loans and leases to core deposits | 65.6891% | 4,520 |
| Total domestic deposits to total assets | 84.2627% | 4,179 |
| Equity capital to assets | 8.1336% | 5,953 |
| Core capital (leverage) ratio | 8.3674% | 5,785 |
| Tier 1 risk-based capital ratio | 14.5290% | 3,993 |
| Total risk-based capital ratio | 15.7854% | 3,939 |
| Memoranda: | ||
| Average total assets | $191,692,500 | 3,144 |
| Average earning assets | $180,146,500 | 3,097 |
| Average equity | $15,922,000 | 3,714 |
| Average total loans | $108,782,500 | 3,285 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 5,430 |
| Cost of funding earning assets | 0.2912% | 5,665 |
| Net interest margin | 3.2996% | 4,665 |
| Noninterest income to average assets | 0.8168% | 1,997 |
| Noninterest expense to average assets | 2.7902% | 3,759 |
| Loan and lease loss provision to assets | 0.2739% | 1,286 |
| Net operating income to assets | 0.8500% | 3,034 |
| Return on assets (ROA) | 0.8511% | 3,104 |
| Pretax return on assets | 0.8511% | 3,956 |
| Return on Equity (ROE) | 9.6332% | 2,267 |
| Retained earnings to average equity (ytd only) | -0.8243% | 6,029 |
| Net charge-offs to loans | 0.9829% | 602 |
| Credit loss provision to net charge-offs | 46.3661% | 3,909 |
| Earnings coverage of net charge-offs (x) | 1.9025% | 4,419 |
| Efficiency ratio | 71.2858% | 3,614 |
| Assets per employee ($millions) | 4.0007% | 3,864 |
| Cash dividends to net income (ytd only)* | 108.5568% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 1,814 |
| Loan loss allowance to noncurrent loans | 89.0026% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 2.0422% | 1,760 |
| Noncurrent loans to loans | 2.1179% | 1,864 |
| Net loans and leases to total assets | 57.7986% | 4,071 |
| Net loans and leases to deposits | 69.8329% | 3,804 |
| Net loans and leases to core deposits | 71.6369% | 4,116 |
| Total domestic deposits to total assets | 82.7669% | 4,622 |
| Equity capital to assets | 8.4852% | 5,594 |
| Core capital (leverage) ratio | 8.3570% | 5,818 |
| Tier 1 risk-based capital ratio | 14.2886% | 4,091 |
| Total risk-based capital ratio | 15.5464% | 4,029 |
| Memoranda: | ||
| Average total assets | $184,002,600 | 3,233 |
| Average earning assets | $172,720,400 | 3,180 |
| Average equity | $16,256,200 | 3,664 |
| Average total loans | $110,591,800 | 3,234 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4893% | 5,710 |
| Cost of funding earning assets | 0.2936% | 5,778 |
| Net interest margin | 3.1957% | 5,013 |
| Noninterest income to average assets | 0.8510% | 1,929 |
| Noninterest expense to average assets | 2.7614% | 3,787 |
| Loan and lease loss provision to assets | 0.0838% | 3,384 |
| Net operating income to assets | 1.0040% | 2,361 |
| Return on assets (ROA) | 1.0040% | 2,445 |
| Pretax return on assets | 1.0040% | 3,486 |
| Return on Equity (ROE) | 11.2500% | 1,728 |
| Retained earnings to average equity (ytd only) | 0.4327% | 5,800 |
| Net charge-offs to loans | 0.1701% | 2,858 |
| Credit loss provision to net charge-offs | 81.5603% | 2,809 |
| Earnings coverage of net charge-offs (x) | 10.5884% | 2,339 |
| Efficiency ratio | 71.7395% | 3,452 |
| Assets per employee ($millions) | 4.0450% | 3,742 |
| Cash dividends to net income (ytd only)* | 96.1536% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3853% | 1,062 |
| Loan loss allowance to noncurrent loans | 46.7397% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 3.7771% | 867 |
| Noncurrent loans to loans | 5.1034% | 576 |
| Net loans and leases to total assets | 58.1734% | 3,984 |
| Net loans and leases to deposits | 71.0907% | 3,626 |
| Net loans and leases to core deposits | 72.9669% | 3,975 |
| Total domestic deposits to total assets | 81.8298% | 4,988 |
| Equity capital to assets | 8.5780% | 5,652 |
| Core capital (leverage) ratio | 8.5970% | 5,664 |
| Tier 1 risk-based capital ratio | 14.6241% | 4,001 |
| Total risk-based capital ratio | 15.8890% | 3,938 |
| Memoranda: | ||
| Average total assets | $182,994,750 | 3,273 |
| Average earning assets | $171,685,000 | 3,223 |
| Average equity | $16,331,500 | 3,695 |
| Average total loans | $110,547,500 | 3,256 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5708% | 5,524 |
| Cost of funding earning assets | 0.2980% | 5,845 |
| Net interest margin | 3.2728% | 4,676 |
| Noninterest income to average assets | 0.8903% | 1,846 |
| Noninterest expense to average assets | 2.8016% | 3,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1551% | 1,719 |
| Return on assets (ROA) | 1.1551% | 1,837 |
| Pretax return on assets | 1.1551% | 2,863 |
| Return on Equity (ROE) | 12.7742% | 1,293 |
| Retained earnings to average equity (ytd only) | 1.2276% | 5,407 |
| Net charge-offs to loans | 0.1992% | 2,567 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 9.5545% | 2,266 |
| Efficiency ratio | 70.8056% | 3,675 |
| Assets per employee ($millions) | 3.9217% | 3,981 |
| Cash dividends to net income (ytd only)* | 90.3901% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3446% | 1,183 |
| Loan loss allowance to noncurrent loans | 40.8648% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 4.2445% | 794 |
| Noncurrent loans to loans | 5.7375% | 521 |
| Net loans and leases to total assets | 59.1290% | 3,811 |
| Net loans and leases to deposits | 70.5157% | 3,653 |
| Net loans and leases to core deposits | 71.9149% | 4,051 |
| Total domestic deposits to total assets | 83.8523% | 4,382 |
| Equity capital to assets | 8.9187% | 5,302 |
| Core capital (leverage) ratio | 8.7423% | 5,365 |
| Tier 1 risk-based capital ratio | 14.9838% | 3,786 |
| Total risk-based capital ratio | 16.2479% | 3,743 |
| Memoranda: | ||
| Average total assets | $181,970,330 | 3,291 |
| Average earning assets | $170,496,000 | 3,248 |
| Average equity | $16,455,000 | 3,704 |
| Average total loans | $110,434,330 | 3,265 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4880% | 5,736 |
| Cost of funding earning assets | 0.2924% | 6,029 |
| Net interest margin | 3.1956% | 4,948 |
| Noninterest income to average assets | 0.8251% | 2,020 |
| Noninterest expense to average assets | 2.9701% | 3,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8448% | 2,928 |
| Return on assets (ROA) | 0.8448% | 3,070 |
| Pretax return on assets | 0.8448% | 3,978 |
| Return on Equity (ROE) | 9.2800% | 2,362 |
| Retained earnings to average equity (ytd only) | 6.7556% | 2,279 |
| Net charge-offs to loans | 0.2161% | 2,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.4333% | 2,218 |
| Efficiency ratio | 77.8543% | 2,627 |
| Assets per employee ($millions) | 4.1619% | 3,608 |
| Cash dividends to net income (ytd only)* | 27.2021% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3604% | 1,314 |
| Loan loss allowance to noncurrent loans | 41.4247% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 4.2387% | 900 |
| Noncurrent loans to loans | 5.6980% | 612 |
| Net loans and leases to total assets | 58.9803% | 3,613 |
| Net loans and leases to deposits | 70.7612% | 3,356 |
| Net loans and leases to core deposits | 73.4921% | 3,640 |
| Total domestic deposits to total assets | 83.3512% | 4,731 |
| Equity capital to assets | 9.1397% | 5,323 |
| Core capital (leverage) ratio | 8.8734% | 5,092 |
| Tier 1 risk-based capital ratio | 15.0376% | 3,815 |
| Total risk-based capital ratio | 16.3017% | 3,755 |
| Memoranda: | ||
| Average total assets | $182,757,000 | 3,314 |
| Average earning assets | $170,985,500 | 3,269 |
| Average equity | $16,638,000 | 3,722 |
| Average total loans | $111,037,500 | 3,267 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 5,487 |
| Cost of funding earning assets | 0.4016% | 5,908 |
| Net interest margin | 3.5291% | 4,381 |
| Noninterest income to average assets | 0.8240% | 2,162 |
| Noninterest expense to average assets | 2.7732% | 4,129 |
| Loan and lease loss provision to assets | 0.1882% | 3,290 |
| Net operating income to assets | 1.1521% | 1,766 |
| Return on assets (ROA) | 1.2441% | 1,624 |
| Pretax return on assets | 1.2441% | 2,621 |
| Return on Equity (ROE) | 13.9775% | 996 |
| Retained earnings to average equity (ytd only) | 4.3087% | 3,190 |
| Net charge-offs to loans | 0.0500% | 5,214 |
| Credit loss provision to net charge-offs | 603.4483% | 403 |
| Earnings coverage of net charge-offs (x) | 42.9655% | 755 |
| Efficiency ratio | 67.4163% | 4,246 |
| Assets per employee ($millions) | 4.0531% | 3,844 |
| Cash dividends to net income (ytd only)* | 69.1742% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3964% | 1,234 |
| Loan loss allowance to noncurrent loans | 41.9771% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 4.2393% | 997 |
| Noncurrent loans to loans | 5.7089% | 632 |
| Net loans and leases to total assets | 59.6447% | 3,663 |
| Net loans and leases to deposits | 71.8519% | 3,436 |
| Net loans and leases to core deposits | 74.5994% | 3,706 |
| Total domestic deposits to total assets | 83.0106% | 4,725 |
| Equity capital to assets | 9.0679% | 5,443 |
| Core capital (leverage) ratio | 8.5956% | 5,468 |
| Tier 1 risk-based capital ratio | 14.5057% | 4,031 |
| Total risk-based capital ratio | 15.7705% | 3,975 |
| Memoranda: | ||
| Average total assets | $185,923,600 | 3,222 |
| Average earning assets | $173,301,000 | 3,185 |
| Average equity | $16,548,000 | 3,693 |
| Average total loans | $116,054,600 | 3,161 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9677% | 5,609 |
| Cost of funding earning assets | 0.4270% | 5,950 |
| Net interest margin | 3.5407% | 4,488 |
| Noninterest income to average assets | 0.7844% | 2,310 |
| Noninterest expense to average assets | 2.6815% | 4,448 |
| Loan and lease loss provision to assets | 0.2498% | 2,563 |
| Net operating income to assets | 1.1555% | 1,881 |
| Return on assets (ROA) | 1.2776% | 1,647 |
| Pretax return on assets | 1.2776% | 2,678 |
| Return on Equity (ROE) | 14.4204% | 1,020 |
| Retained earnings to average equity (ytd only) | 7.5727% | 1,808 |
| Net charge-offs to loans | 0.0569% | 4,859 |
| Credit loss provision to net charge-offs | 700.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 39.3771% | 889 |
| Efficiency ratio | 65.6130% | 4,520 |
| Assets per employee ($millions) | 4.3477% | 3,165 |
| Cash dividends to net income (ytd only)* | 47.4862% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3637% | 1,412 |
| Loan loss allowance to noncurrent loans | 41.4449% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 4.1615% | 1,151 |
| Noncurrent loans to loans | 5.7032% | 744 |
| Net loans and leases to total assets | 59.1913% | 3,934 |
| Net loans and leases to deposits | 73.8137% | 3,313 |
| Net loans and leases to core deposits | 78.1563% | 3,437 |
| Total domestic deposits to total assets | 80.1902% | 5,606 |
| Equity capital to assets | 9.0499% | 5,775 |
| Core capital (leverage) ratio | 8.5454% | 5,691 |
| Tier 1 risk-based capital ratio | 14.4560% | 4,215 |
| Total risk-based capital ratio | 15.7204% | 4,174 |
| Memoranda: | ||
| Average total assets | $186,807,000 | 3,247 |
| Average earning assets | $174,234,250 | 3,207 |
| Average equity | $16,550,250 | 3,727 |
| Average total loans | $117,204,000 | 3,180 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0239% | 5,573 |
| Cost of funding earning assets | 0.4661% | 5,860 |
| Net interest margin | 3.5578% | 4,426 |
| Noninterest income to average assets | 0.7143% | 2,583 |
| Noninterest expense to average assets | 2.7222% | 4,320 |
| Loan and lease loss provision to assets | 0.2656% | 2,458 |
| Net operating income to assets | 1.0452% | 2,267 |
| Return on assets (ROA) | 1.2005% | 1,915 |
| Pretax return on assets | 1.2005% | 2,923 |
| Return on Equity (ROE) | 13.6480% | 1,198 |
| Retained earnings to average equity (ytd only) | 7.8649% | 1,693 |
| Net charge-offs to loans | 0.0776% | 4,374 |
| Credit loss provision to net charge-offs | 539.1304% | 566 |
| Earnings coverage of net charge-offs (x) | 26.6087% | 1,158 |
| Efficiency ratio | 67.4987% | 4,235 |
| Assets per employee ($millions) | 4.2620% | 3,337 |
| Cash dividends to net income (ytd only)* | 42.3729% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2427% | 1,687 |
| Loan loss allowance to noncurrent loans | 41.8654% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 4.0821% | 1,236 |
| Noncurrent loans to loans | 5.3570% | 882 |
| Net loans and leases to total assets | 61.3871% | 3,553 |
| Net loans and leases to deposits | 72.2156% | 3,582 |
| Net loans and leases to core deposits | 77.1109% | 3,643 |
| Total domestic deposits to total assets | 85.0053% | 3,859 |
| Equity capital to assets | 9.0988% | 5,583 |
| Core capital (leverage) ratio | 8.4285% | 5,750 |
| Tier 1 risk-based capital ratio | 14.0388% | 4,427 |
| Total risk-based capital ratio | 15.3012% | 4,377 |
| Memoranda: | ||
| Average total assets | $186,758,330 | 3,256 |
| Average earning assets | $174,207,670 | 3,214 |
| Average equity | $16,427,330 | 3,742 |
| Average total loans | $118,492,330 | 3,174 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 5,366 |
| Cost of funding earning assets | 0.5111% | 5,742 |
| Net interest margin | 3.6139% | 4,206 |
| Noninterest income to average assets | 0.5751% | 3,382 |
| Noninterest expense to average assets | 2.7479% | 4,248 |
| Loan and lease loss provision to assets | 0.5262% | 1,143 |
| Net operating income to assets | 0.6769% | 3,997 |
| Return on assets (ROA) | 0.9846% | 2,734 |
| Pretax return on assets | 0.9846% | 3,727 |
| Return on Equity (ROE) | 11.3841% | 1,878 |
| Retained earnings to average equity (ytd only) | 8.9306% | 1,617 |
| Net charge-offs to loans | 0.1531% | 3,174 |
| Credit loss provision to net charge-offs | 539.1304% | 623 |
| Earnings coverage of net charge-offs (x) | 12.3261% | 1,611 |
| Efficiency ratio | 69.5489% | 3,892 |
| Assets per employee ($millions) | 4.7273% | 2,620 |
| Cash dividends to net income (ytd only)* | 21.5517% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1556% | 1,974 |
| Loan loss allowance to noncurrent loans | 41.9948% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 3.9896% | 1,385 |
| Noncurrent loans to loans | 5.1331% | 1,077 |
| Net loans and leases to total assets | 61.9548% | 3,263 |
| Net loans and leases to deposits | 72.3659% | 3,371 |
| Net loans and leases to core deposits | 77.2453% | 3,432 |
| Total domestic deposits to total assets | 85.6133% | 3,734 |
| Equity capital to assets | 8.6524% | 5,929 |
| Core capital (leverage) ratio | 8.2924% | 5,886 |
| Tier 1 risk-based capital ratio | 13.4369% | 4,872 |
| Total risk-based capital ratio | 14.6986% | 4,858 |
| Memoranda: | ||
| Average total assets | $188,505,000 | 3,252 |
| Average earning assets | $176,096,000 | 3,209 |
| Average equity | $16,303,500 | 3,763 |
| Average total loans | $120,197,500 | 3,152 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 5,517 |
| Cost of funding earning assets | 0.8336% | 4,602 |
| Net interest margin | 3.5420% | 4,976 |
| Noninterest income to average assets | 0.6498% | 2,888 |
| Noninterest expense to average assets | 2.5253% | 5,379 |
| Loan and lease loss provision to assets | 0.9548% | 1,007 |
| Net operating income to assets | 0.4852% | 4,489 |
| Return on assets (ROA) | 0.6608% | 3,871 |
| Pretax return on assets | 0.6608% | 4,469 |
| Return on Equity (ROE) | 7.9876% | 2,904 |
| Retained earnings to average equity (ytd only) | 5.0168% | 2,633 |
| Net charge-offs to loans | 0.9490% | 1,830 |
| Credit loss provision to net charge-offs | 149.8355% | 1,894 |
| Earnings coverage of net charge-offs (x) | 2.2599% | 4,090 |
| Efficiency ratio | 63.6844% | 5,179 |
| Assets per employee ($millions) | 4.4743% | 2,961 |
| Cash dividends to net income (ytd only)* | 37.1927% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9716% | 2,366 |
| Loan loss allowance to noncurrent loans | 38.2907% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 4.0501% | 1,413 |
| Noncurrent loans to loans | 5.1491% | 1,080 |
| Net loans and leases to total assets | 62.9441% | 3,417 |
| Net loans and leases to deposits | 74.0020% | 3,496 |
| Net loans and leases to core deposits | 79.6960% | 3,486 |
| Total domestic deposits to total assets | 85.0574% | 3,813 |
| Equity capital to assets | 8.6452% | 5,963 |
| Core capital (leverage) ratio | 8.0248% | 6,238 |
| Tier 1 risk-based capital ratio | 13.1548% | 4,955 |
| Total risk-based capital ratio | 14.4148% | 4,923 |
| Memoranda: | ||
| Average total assets | $190,832,200 | 3,174 |
| Average earning assets | $178,627,000 | 3,109 |
| Average equity | $15,787,000 | 3,758 |
| Average total loans | $128,131,000 | 3,017 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 5,318 |
| Cost of funding earning assets | 0.9050% | 4,363 |
| Net interest margin | 3.5731% | 4,879 |
| Noninterest income to average assets | 0.6299% | 2,990 |
| Noninterest expense to average assets | 2.5621% | 5,227 |
| Loan and lease loss provision to assets | 1.1477% | 698 |
| Net operating income to assets | 0.2673% | 5,521 |
| Return on assets (ROA) | 0.5004% | 4,732 |
| Pretax return on assets | 0.5004% | 5,157 |
| Return on Equity (ROE) | 6.1168% | 3,966 |
| Retained earnings to average equity (ytd only) | 2.1269% | 5,072 |
| Net charge-offs to loans | 1.2225% | 1,276 |
| Credit loss provision to net charge-offs | 138.3389% | 2,305 |
| Earnings coverage of net charge-offs (x) | 1.7055% | 4,379 |
| Efficiency ratio | 64.4207% | 4,994 |
| Assets per employee ($millions) | 4.6562% | 2,683 |
| Cash dividends to net income (ytd only)* | 65.2299% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8008% | 2,946 |
| Loan loss allowance to noncurrent loans | 30.6235% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 4.0419% | 1,518 |
| Noncurrent loans to loans | 5.8805% | 959 |
| Net loans and leases to total assets | 65.2906% | 3,057 |
| Net loans and leases to deposits | 76.8589% | 3,186 |
| Net loans and leases to core deposits | 82.6961% | 3,228 |
| Total domestic deposits to total assets | 84.9486% | 3,788 |
| Equity capital to assets | 8.4596% | 6,341 |
| Core capital (leverage) ratio | 7.9331% | 6,450 |
| Tier 1 risk-based capital ratio | 12.5393% | 5,460 |
| Total risk-based capital ratio | 13.7977% | 5,440 |
| Memoranda: | ||
| Average total assets | $191,560,500 | 3,179 |
| Average earning assets | $179,449,750 | 3,118 |
| Average equity | $15,672,250 | 3,792 |
| Average total loans | $129,998,000 | 3,008 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 5,121 |
| Cost of funding earning assets | 0.9507% | 4,315 |
| Net interest margin | 3.6133% | 4,670 |
| Noninterest income to average assets | 0.7500% | 2,262 |
| Noninterest expense to average assets | 2.4921% | 5,573 |
| Loan and lease loss provision to assets | 1.1328% | 708 |
| Net operating income to assets | 0.5141% | 4,441 |
| Return on assets (ROA) | 0.6859% | 3,741 |
| Pretax return on assets | 0.6859% | 4,433 |
| Return on Equity (ROE) | 8.4759% | 2,722 |
| Retained earnings to average equity (ytd only) | 2.4801% | 4,704 |
| Net charge-offs to loans | 0.0015% | 5,865 |
| Credit loss provision to net charge-offs | 109,500.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 1,592.0000% | 8 |
| Efficiency ratio | 60.2099% | 5,841 |
| Assets per employee ($millions) | 4.5524% | 2,751 |
| Cash dividends to net income (ytd only)* | 70.7391% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2180% | 1,880 |
| Loan loss allowance to noncurrent loans | 52.6441% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 3.1044% | 2,166 |
| Noncurrent loans to loans | 4.2133% | 1,614 |
| Net loans and leases to total assets | 69.4098% | 2,338 |
| Net loans and leases to deposits | 81.1416% | 2,591 |
| Net loans and leases to core deposits | 88.6923% | 2,540 |
| Total domestic deposits to total assets | 85.5415% | 3,600 |
| Equity capital to assets | 8.6131% | 6,044 |
| Core capital (leverage) ratio | 7.6889% | 6,596 |
| Tier 1 risk-based capital ratio | 12.0436% | 5,754 |
| Total risk-based capital ratio | 13.3078% | 5,709 |
| Memoranda: | ||
| Average total assets | $193,331,000 | 3,181 |
| Average earning assets | $181,332,000 | 3,110 |
| Average equity | $15,644,330 | 3,796 |
| Average total loans | $132,053,000 | 3,001 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5838% | 5,016 |
| Cost of funding earning assets | 0.9600% | 4,496 |
| Net interest margin | 3.6239% | 4,461 |
| Noninterest income to average assets | 0.7600% | 2,218 |
| Noninterest expense to average assets | 2.3584% | 6,022 |
| Loan and lease loss provision to assets | 0.4966% | 1,761 |
| Net operating income to assets | 1.3129% | 1,236 |
| Return on assets (ROA) | 1.3591% | 1,186 |
| Pretax return on assets | 1.3591% | 1,855 |
| Return on Equity (ROE) | 17.3062% | 538 |
| Retained earnings to average equity (ytd only) | 17.3062% | 263 |
| Net charge-offs to loans | 0.0030% | 5,089 |
| Credit loss provision to net charge-offs | 24,700.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 900.0000% | 15 |
| Efficiency ratio | 56.5847% | 6,434 |
| Assets per employee ($millions) | 4.9283% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 4,039 |
| Loan loss allowance to noncurrent loans | 53.4410% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 1.9647% | 3,361 |
| Noncurrent loans to loans | 2.8677% | 2,627 |
| Net loans and leases to total assets | 65.8065% | 3,065 |
| Net loans and leases to deposits | 77.6545% | 3,127 |
| Net loans and leases to core deposits | 84.7831% | 3,061 |
| Total domestic deposits to total assets | 84.7426% | 4,151 |
| Equity capital to assets | 8.0809% | 6,408 |
| Core capital (leverage) ratio | 7.7304% | 6,531 |
| Tier 1 risk-based capital ratio | 12.1475% | 5,554 |
| Total risk-based capital ratio | 13.4022% | 5,544 |
| Memoranda: | ||
| Average total assets | $198,949,500 | 3,126 |
| Average earning assets | $187,093,000 | 3,056 |
| Average equity | $15,624,500 | 3,790 |
| Average total loans | $133,450,500 | 3,015 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 6,080 |
| Cost of funding earning assets | 1.3170% | 3,772 |
| Net interest margin | 3.2923% | 6,004 |
| Noninterest income to average assets | 0.8349% | 2,124 |
| Noninterest expense to average assets | 2.3110% | 6,325 |
| Loan and lease loss provision to assets | 0.6361% | 2,590 |
| Net operating income to assets | 0.9789% | 2,111 |
| Return on assets (ROA) | 0.9867% | 2,193 |
| Pretax return on assets | 0.9867% | 2,973 |
| Return on Equity (ROE) | 12.6022% | 1,193 |
| Retained earnings to average equity (ytd only) | 2.3411% | 4,239 |
| Net charge-offs to loans | 0.7584% | 2,742 |
| Credit loss provision to net charge-offs | 121.8595% | 3,443 |
| Earnings coverage of net charge-offs (x) | 3.0940% | 3,527 |
| Efficiency ratio | 58.8638% | 6,224 |
| Assets per employee ($millions) | 4.8968% | 2,299 |
| Cash dividends to net income (ytd only)* | 81.4233% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 4,944 |
| Loan loss allowance to noncurrent loans | 63.5256% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.4375% | 4,178 |
| Noncurrent loans to loans | 2.0650% | 3,466 |
| Net loans and leases to total assets | 66.4369% | 3,372 |
| Net loans and leases to deposits | 80.2566% | 3,126 |
| Net loans and leases to core deposits | 88.2123% | 3,025 |
| Total domestic deposits to total assets | 82.7806% | 4,892 |
| Equity capital to assets | 7.6302% | 6,794 |
| Core capital (leverage) ratio | 7.2703% | 6,863 |
| Tier 1 risk-based capital ratio | 11.2441% | 6,138 |
| Total risk-based capital ratio | 12.4961% | 6,123 |
| Memoranda: | ||
| Average total assets | $193,679,800 | 3,181 |
| Average earning assets | $181,849,800 | 3,102 |
| Average equity | $15,164,000 | 3,913 |
| Average total loans | $133,301,400 | 3,063 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6324% | 6,253 |
| Cost of funding earning assets | 1.4148% | 3,493 |
| Net interest margin | 3.2177% | 6,280 |
| Noninterest income to average assets | 0.6899% | 2,878 |
| Noninterest expense to average assets | 2.3226% | 6,257 |
| Loan and lease loss provision to assets | 0.1987% | 5,061 |
| Net operating income to assets | 1.1867% | 1,633 |
| Return on assets (ROA) | 1.2124% | 1,641 |
| Pretax return on assets | 1.2124% | 2,446 |
| Return on Equity (ROE) | 15.3823% | 796 |
| Retained earnings to average equity (ytd only) | 3.6054% | 3,910 |
| Net charge-offs to loans | 0.0652% | 5,863 |
| Credit loss provision to net charge-offs | 440.0000% | 686 |
| Earnings coverage of net charge-offs (x) | 30.6785% | 870 |
| Efficiency ratio | 62.6382% | 5,499 |
| Assets per employee ($millions) | 5.0311% | 2,135 |
| Cash dividends to net income (ytd only)* | 76.5616% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 4,995 |
| Loan loss allowance to noncurrent loans | 55.0792% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 1.6890% | 3,912 |
| Noncurrent loans to loans | 2.3507% | 3,289 |
| Net loans and leases to total assets | 68.8881% | 3,014 |
| Net loans and leases to deposits | 84.0245% | 2,699 |
| Net loans and leases to core deposits | 92.7860% | 2,689 |
| Total domestic deposits to total assets | 81.9857% | 4,999 |
| Equity capital to assets | 8.0852% | 6,727 |
| Core capital (leverage) ratio | 7.3312% | 6,987 |
| Tier 1 risk-based capital ratio | 11.3302% | 6,072 |
| Total risk-based capital ratio | 12.5814% | 6,067 |
| Memoranda: | ||
| Average total assets | $191,907,750 | 3,258 |
| Average earning assets | $180,001,750 | 3,159 |
| Average equity | $15,125,250 | 3,966 |
| Average total loans | $132,837,500 | 3,125 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6585% | 6,282 |
| Cost of funding earning assets | 1.4339% | 3,649 |
| Net interest margin | 3.2246% | 6,242 |
| Noninterest income to average assets | 0.7634% | 2,312 |
| Noninterest expense to average assets | 2.2953% | 6,367 |
| Loan and lease loss provision to assets | 0.2027% | 4,843 |
| Net operating income to assets | 1.2831% | 1,347 |
| Return on assets (ROA) | 1.2863% | 1,403 |
| Pretax return on assets | 1.2863% | 2,136 |
| Return on Equity (ROE) | 16.4662% | 637 |
| Retained earnings to average equity (ytd only) | 1.4652% | 5,139 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7054% | 5,919 |
| Assets per employee ($millions) | 5.0848% | 2,073 |
| Cash dividends to net income (ytd only)* | 91.1020% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 4,805 |
| Loan loss allowance to noncurrent loans | 85.8760% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.0247% | 5,088 |
| Noncurrent loans to loans | 1.5381% | 4,410 |
| Net loans and leases to total assets | 65.7408% | 3,885 |
| Net loans and leases to deposits | 77.7999% | 4,016 |
| Net loans and leases to core deposits | 87.3876% | 3,638 |
| Total domestic deposits to total assets | 84.4999% | 3,871 |
| Equity capital to assets | 7.5634% | 7,082 |
| Core capital (leverage) ratio | 7.2154% | 7,058 |
| Tier 1 risk-based capital ratio | 11.3017% | 5,940 |
| Total risk-based capital ratio | 12.5531% | 5,928 |
| Memoranda: | ||
| Average total assets | $190,473,330 | 3,294 |
| Average earning assets | $178,253,000 | 3,216 |
| Average equity | $14,879,000 | 4,013 |
| Average total loans | $131,470,330 | 3,172 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 6,256 |
| Cost of funding earning assets | 1.4160% | 4,080 |
| Net interest margin | 3.2802% | 6,048 |
| Noninterest income to average assets | 1.0914% | 1,059 |
| Noninterest expense to average assets | 2.3157% | 6,336 |
| Loan and lease loss provision to assets | 0.0793% | 5,851 |
| Net operating income to assets | 1.7560% | 547 |
| Return on assets (ROA) | 1.7625% | 589 |
| Pretax return on assets | 1.7625% | 950 |
| Return on Equity (ROE) | 22.1877% | 264 |
| Retained earnings to average equity (ytd only) | 13.2802% | 587 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7851% | 6,792 |
| Assets per employee ($millions) | 4.8780% | 2,397 |
| Cash dividends to net income (ytd only)* | 40.1460% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 5,353 |
| Loan loss allowance to noncurrent loans | 127.1200% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.6571% | 5,876 |
| Noncurrent loans to loans | 0.9654% | 5,406 |
| Net loans and leases to total assets | 67.2254% | 3,570 |
| Net loans and leases to deposits | 80.4063% | 3,573 |
| Net loans and leases to core deposits | 91.5384% | 3,164 |
| Total domestic deposits to total assets | 83.6072% | 4,338 |
| Equity capital to assets | 7.9189% | 6,736 |
| Core capital (leverage) ratio | 7.8751% | 6,410 |
| Tier 1 risk-based capital ratio | 11.8931% | 5,305 |
| Total risk-based capital ratio | 13.1439% | 5,254 |
| Memoranda: | ||
| Average total assets | $186,555,500 | 3,412 |
| Average earning assets | $174,014,500 | 3,340 |
| Average equity | $14,819,000 | 4,053 |
| Average total loans | $131,148,000 | 3,239 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1936% | 5,677 |
| Cost of funding earning assets | 1.8386% | 3,791 |
| Net interest margin | 3.3551% | 5,544 |
| Noninterest income to average assets | 1.2306% | 999 |
| Noninterest expense to average assets | 2.4323% | 6,364 |
| Loan and lease loss provision to assets | 0.4815% | 3,957 |
| Net operating income to assets | 1.4653% | 726 |
| Return on assets (ROA) | 1.4653% | 789 |
| Pretax return on assets | 1.4653% | 1,276 |
| Return on Equity (ROE) | 18.7650% | 316 |
| Retained earnings to average equity (ytd only) | 11.6069% | 241 |
| Net charge-offs to loans | 0.3255% | 4,609 |
| Credit loss provision to net charge-offs | 204.6683% | 1,889 |
| Earnings coverage of net charge-offs (x) | 8.2752% | 1,965 |
| Efficiency ratio | 55.5438% | 7,065 |
| Assets per employee ($millions) | 4.5717% | 2,807 |
| Cash dividends to net income (ytd only)* | 38.1460% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 5,540 |
| Loan loss allowance to noncurrent loans | 97.1214% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.8738% | 5,365 |
| Noncurrent loans to loans | 1.2032% | 4,936 |
| Net loans and leases to total assets | 71.7803% | 2,814 |
| Net loans and leases to deposits | 86.2620% | 2,868 |
| Net loans and leases to core deposits | 108.9509% | 3,007 |
| Total domestic deposits to total assets | 83.2120% | 4,417 |
| Equity capital to assets | 7.9691% | 6,615 |
| Core capital (leverage) ratio | 7.6768% | 6,577 |
| Tier 1 risk-based capital ratio | 11.3720% | 5,544 |
| Total risk-based capital ratio | 12.6280% | 5,489 |
| Memoranda: | ||
| Average total assets | $173,003,400 | 3,555 |
| Average earning assets | $162,352,200 | 3,474 |
| Average equity | $13,509,200 | 4,382 |
| Average total loans | $125,028,000 | 3,373 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2512% | 5,678 |
| Cost of funding earning assets | 1.9067% | 3,848 |
| Net interest margin | 3.3445% | 5,467 |
| Noninterest income to average assets | 1.0453% | 1,458 |
| Noninterest expense to average assets | 2.4041% | 6,404 |
| Loan and lease loss provision to assets | 0.2244% | 5,177 |
| Net operating income to assets | 1.5613% | 720 |
| Return on assets (ROA) | 1.5613% | 770 |
| Pretax return on assets | 1.5613% | 1,259 |
| Return on Equity (ROE) | 20.1053% | 306 |
| Retained earnings to average equity (ytd only) | 13.6922% | 212 |
| Net charge-offs to loans | -0.0011% | 7,580 |
| Credit loss provision to net charge-offs | -28,700.0000% | 7,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3801% | 6,806 |
| Assets per employee ($millions) | 4.7798% | 2,425 |
| Cash dividends to net income (ytd only)* | 31.8978% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 5,739 |
| Loan loss allowance to noncurrent loans | 496.1404% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 7,150 |
| Noncurrent loans to loans | 0.2214% | 6,942 |
| Net loans and leases to total assets | 70.1051% | 3,489 |
| Net loans and leases to deposits | 86.0696% | 3,305 |
| Net loans and leases to core deposits | 110.7069% | 3,155 |
| Total domestic deposits to total assets | 81.4516% | 4,896 |
| Equity capital to assets | 8.0041% | 6,843 |
| Core capital (leverage) ratio | 7.8199% | 6,594 |
| Tier 1 risk-based capital ratio | 11.6584% | 5,287 |
| Total risk-based capital ratio | 12.8458% | 5,283 |
| Memoranda: | ||
| Average total assets | $170,537,000 | 3,622 |
| Average earning assets | $160,339,250 | 3,541 |
| Average equity | $13,243,250 | 4,475 |
| Average total loans | $123,081,000 | 3,445 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3172% | 5,580 |
| Cost of funding earning assets | 1.9690% | 3,921 |
| Net interest margin | 3.3481% | 5,374 |
| Noninterest income to average assets | 1.2251% | 1,032 |
| Noninterest expense to average assets | 2.4275% | 6,378 |
| Loan and lease loss provision to assets | 0.1103% | 6,048 |
| Net operating income to assets | 1.8305% | 430 |
| Return on assets (ROA) | 1.8305% | 472 |
| Pretax return on assets | 1.8305% | 804 |
| Return on Equity (ROE) | 23.8376% | 161 |
| Retained earnings to average equity (ytd only) | 13.8936% | 264 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5708% | 7,158 |
| Assets per employee ($millions) | 4.3728% | 2,983 |
| Cash dividends to net income (ytd only)* | 41.7158% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 6,394 |
| Loan loss allowance to noncurrent loans | 534.2105% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 7,224 |
| Noncurrent loans to loans | 0.1831% | 7,059 |
| Net loans and leases to total assets | 72.2953% | 3,138 |
| Net loans and leases to deposits | 86.7202% | 3,412 |
| Net loans and leases to core deposits | 107.5331% | 3,659 |
| Total domestic deposits to total assets | 83.3662% | 4,083 |
| Equity capital to assets | 8.1243% | 6,604 |
| Core capital (leverage) ratio | 7.9121% | 6,471 |
| Tier 1 risk-based capital ratio | 11.7882% | 5,113 |
| Total risk-based capital ratio | 12.8587% | 5,213 |
| Memoranda: | ||
| Average total assets | $166,838,330 | 3,692 |
| Average earning assets | $156,624,000 | 3,624 |
| Average equity | $12,811,670 | 4,592 |
| Average total loans | $121,192,000 | 3,513 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4552% | 5,150 |
| Cost of funding earning assets | 2.0344% | 3,961 |
| Net interest margin | 3.4208% | 5,052 |
| Noninterest income to average assets | 1.1734% | 1,061 |
| Noninterest expense to average assets | 2.4802% | 5,911 |
| Loan and lease loss provision to assets | 0.0873% | 5,844 |
| Net operating income to assets | 1.8183% | 512 |
| Return on assets (ROA) | 1.8183% | 567 |
| Pretax return on assets | 1.8183% | 944 |
| Return on Equity (ROE) | 24.4101% | 209 |
| Retained earnings to average equity (ytd only) | 10.8055% | 1,006 |
| Net charge-offs to loans | -0.0033% | 7,141 |
| Credit loss provision to net charge-offs | -3,600.0000% | 6,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5506% | 6,893 |
| Assets per employee ($millions) | 4.3950% | 2,897 |
| Cash dividends to net income (ytd only)* | 55.7333% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 6,428 |
| Loan loss allowance to noncurrent loans | 470.8502% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 7,129 |
| Noncurrent loans to loans | 0.2040% | 6,948 |
| Net loans and leases to total assets | 71.7863% | 3,287 |
| Net loans and leases to deposits | 90.4906% | 2,854 |
| Net loans and leases to core deposits | 104.4556% | 4,088 |
| Total domestic deposits to total assets | 79.3301% | 5,600 |
| Equity capital to assets | 7.4546% | 7,390 |
| Core capital (leverage) ratio | 7.2515% | 7,427 |
| Tier 1 risk-based capital ratio | 10.8044% | 6,089 |
| Total risk-based capital ratio | 11.8643% | 6,197 |
| Memoranda: | ||
| Average total assets | $164,988,500 | 3,743 |
| Average earning assets | $154,934,000 | 3,665 |
| Average equity | $12,290,000 | 4,756 |
| Average total loans | $119,533,500 | 3,571 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9498% | 5,811 |
| Cost of funding earning assets | 2.6397% | 3,486 |
| Net interest margin | 3.3101% | 6,003 |
| Noninterest income to average assets | 0.7054% | 3,093 |
| Noninterest expense to average assets | 2.5584% | 5,797 |
| Loan and lease loss provision to assets | 0.1594% | 5,340 |
| Net operating income to assets | 1.0614% | 2,304 |
| Return on assets (ROA) | 1.0359% | 2,304 |
| Pretax return on assets | 1.0359% | 3,252 |
| Return on Equity (ROE) | 13.5790% | 1,193 |
| Retained earnings to average equity (ytd only) | 3.2877% | 3,105 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6979% | 4,773 |
| Assets per employee ($millions) | 4.5268% | 2,573 |
| Cash dividends to net income (ytd only)* | 75.7881% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 6,380 |
| Loan loss allowance to noncurrent loans | 568.6869% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 7,095 |
| Noncurrent loans to loans | 0.1678% | 6,892 |
| Net loans and leases to total assets | 71.7248% | 3,646 |
| Net loans and leases to deposits | 90.5778% | 3,349 |
| Net loans and leases to core deposits | 99.7483% | 4,846 |
| Total domestic deposits to total assets | 79.1858% | 5,304 |
| Equity capital to assets | 7.4433% | 7,433 |
| Core capital (leverage) ratio | 7.3522% | 7,360 |
| Tier 1 risk-based capital ratio | 10.7203% | 5,983 |
| Total risk-based capital ratio | 11.7686% | 6,076 |
| Memoranda: | ||
| Average total assets | $153,101,600 | 3,841 |
| Average earning assets | $142,172,600 | 3,804 |
| Average equity | $11,679,800 | 4,921 |
| Average total loans | $110,441,200 | 3,667 |