Home > Peoples Bank of the South > Performance and Condition Ratios
Peoples Bank of the South, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9280% | 697 |
| Cost of funding earning assets | 1.1698% | 2,888 |
| Net interest margin | 4.7582% | 439 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.5428% | 2,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.1255% | 380 |
| Return on assets (ROA) | 2.1255% | 373 |
| Pretax return on assets | 2.2742% | 448 |
| Return on Equity (ROE) | 21.5600% | 494 |
| Retained earnings to average equity (ytd only) | 5.7334% | 2,344 |
| Net charge-offs to loans | -0.0035% | 3,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.7874% | 3,767 |
| Assets per employee ($millions) | 6.8935% | 2,145 |
| Cash dividends to net income (ytd only)* | 73.4123% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 2,583 |
| Loan loss allowance to noncurrent loans | 290.3319% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 1,650 |
| Noncurrent loans to loans | 0.3942% | 1,802 |
| Net loans and leases to total assets | 81.3300% | 494 |
| Net loans and leases to deposits | 99.8678% | 543 |
| Net loans and leases to core deposits | 108.2464% | 1,027 |
| Total domestic deposits to total assets | 81.4400% | 3,234 |
| Equity capital to assets | 10.1391% | 1,924 |
| Core capital (leverage) ratio | 11.3694% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5313% | 1,173 |
| Memoranda: | ||
| Average total assets | $210,401,000 | 2,911 |
| Average earning assets | $201,484,200 | 2,851 |
| Average equity | $20,738,200 | 2,795 |
| Average total loans | $173,335,400 | 2,501 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7712% | 713 |
| Cost of funding earning assets | 1.0149% | 2,997 |
| Net interest margin | 4.7564% | 431 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.4951% | 2,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.1789% | 387 |
| Return on assets (ROA) | 2.1789% | 385 |
| Pretax return on assets | 2.3316% | 462 |
| Return on Equity (ROE) | 22.2700% | 541 |
| Retained earnings to average equity (ytd only) | 6.2549% | 2,551 |
| Net charge-offs to loans | -0.0039% | 3,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.6937% | 3,779 |
| Assets per employee ($millions) | 6.6633% | 2,208 |
| Cash dividends to net income (ytd only)* | 71.9124% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 2,583 |
| Loan loss allowance to noncurrent loans | 289.2086% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 1,672 |
| Noncurrent loans to loans | 0.4004% | 1,828 |
| Net loans and leases to total assets | 80.4600% | 593 |
| Net loans and leases to deposits | 98.3688% | 592 |
| Net loans and leases to core deposits | 106.4396% | 994 |
| Total domestic deposits to total assets | 81.8000% | 3,250 |
| Equity capital to assets | 9.7005% | 1,994 |
| Core capital (leverage) ratio | 11.3498% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8202% | 970 |
| Memoranda: | ||
| Average total assets | $209,576,750 | 2,922 |
| Average earning assets | $200,484,250 | 2,873 |
| Average equity | $20,506,000 | 2,803 |
| Average total loans | $172,717,500 | 2,509 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5766% | 754 |
| Cost of funding earning assets | 0.8167% | 3,163 |
| Net interest margin | 4.7599% | 423 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.4285% | 2,411 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2644% | 321 |
| Return on assets (ROA) | 2.2644% | 313 |
| Pretax return on assets | 2.4227% | 390 |
| Return on Equity (ROE) | 23.0700% | 486 |
| Retained earnings to average equity (ytd only) | 7.0134% | 2,278 |
| Net charge-offs to loans | 0.0012% | 2,364 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 2,524.0000% | 51 |
| Efficiency ratio | 50.0594% | 3,924 |
| Assets per employee ($millions) | 6.5065% | 2,281 |
| Cash dividends to net income (ytd only)* | 69.6058% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 2,811 |
| Loan loss allowance to noncurrent loans | 167.1393% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5715% | 950 |
| Noncurrent loans to loans | 0.6743% | 1,108 |
| Net loans and leases to total assets | 81.8800% | 443 |
| Net loans and leases to deposits | 99.9278% | 516 |
| Net loans and leases to core deposits | 106.7954% | 953 |
| Total domestic deposits to total assets | 81.9400% | 3,242 |
| Equity capital to assets | 9.6160% | 2,085 |
| Core capital (leverage) ratio | 11.4347% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $208,360,000 | 2,944 |
| Average earning assets | $199,582,667 | 2,890 |
| Average equity | $20,446,667 | 2,824 |
| Average total loans | $172,430,333 | 2,503 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3928% | 729 |
| Cost of funding earning assets | 0.6497% | 3,222 |
| Net interest margin | 4.7431% | 413 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.3686% | 2,614 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2770% | 333 |
| Return on assets (ROA) | 2.2770% | 332 |
| Pretax return on assets | 2.4369% | 389 |
| Return on Equity (ROE) | 22.9600% | 511 |
| Retained earnings to average equity (ytd only) | 6.8218% | 2,542 |
| Net charge-offs to loans | 0.2215% | 332 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 13.2979% | 1,593 |
| Efficiency ratio | 49.2901% | 3,997 |
| Assets per employee ($millions) | 6.3128% | 2,492 |
| Cash dividends to net income (ytd only)* | 70.2911% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 3,032 |
| Loan loss allowance to noncurrent loans | 146.6258% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.6557% | 759 |
| Noncurrent loans to loans | 0.7532% | 1,017 |
| Net loans and leases to total assets | 82.1900% | 359 |
| Net loans and leases to deposits | 94.5153% | 755 |
| Net loans and leases to core deposits | 100.4164% | 1,072 |
| Total domestic deposits to total assets | 86.9600% | 2,280 |
| Equity capital to assets | 9.7926% | 1,938 |
| Core capital (leverage) ratio | 11.4553% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3329% | 1,102 |
| Memoranda: | ||
| Average total assets | $205,182,000 | 3,001 |
| Average earning assets | $196,411,500 | 2,948 |
| Average equity | $20,346,500 | 2,852 |
| Average total loans | $169,737,500 | 2,548 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9091% | 358 |
| Cost of funding earning assets | 0.1644% | 4,036 |
| Net interest margin | 4.7447% | 189 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.5217% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.1151% | 242 |
| Return on assets (ROA) | 2.1151% | 234 |
| Pretax return on assets | 2.2635% | 283 |
| Return on Equity (ROE) | 20.2200% | 459 |
| Retained earnings to average equity (ytd only) | 3.2652% | 3,639 |
| Net charge-offs to loans | 0.0079% | 2,095 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 371.0833% | 416 |
| Efficiency ratio | 52.6981% | 3,918 |
| Assets per employee ($millions) | 5.9424% | 2,820 |
| Cash dividends to net income (ytd only)* | 83.8500% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 3,747 |
| Loan loss allowance to noncurrent loans | 103.4341% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 648 |
| Noncurrent loans to loans | 0.8753% | 849 |
| Net loans and leases to total assets | 81.5800% | 445 |
| Net loans and leases to deposits | 91.6315% | 935 |
| Net loans and leases to core deposits | 97.3747% | 1,135 |
| Total domestic deposits to total assets | 89.0300% | 1,710 |
| Equity capital to assets | 10.0439% | 1,683 |
| Core capital (leverage) ratio | 11.7255% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8261% | 1,155 |
| Memoranda: | ||
| Average total assets | $196,732,000 | 3,061 |
| Average earning assets | $186,754,600 | 3,026 |
| Average equity | $20,580,400 | 2,899 |
| Average total loans | $151,801,400 | 2,617 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7862% | 292 |
| Cost of funding earning assets | 0.1151% | 4,158 |
| Net interest margin | 4.6711% | 173 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.4468% | 2,174 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.1200% | 237 |
| Return on assets (ROA) | 2.1200% | 234 |
| Pretax return on assets | 2.2687% | 291 |
| Return on Equity (ROE) | 20.0600% | 432 |
| Retained earnings to average equity (ytd only) | 2.8342% | 3,819 |
| Net charge-offs to loans | 0.0090% | 1,794 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 332.5000% | 436 |
| Efficiency ratio | 51.8883% | 4,020 |
| Assets per employee ($millions) | 5.7382% | 2,999 |
| Cash dividends to net income (ytd only)* | 85.8706% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 3,725 |
| Loan loss allowance to noncurrent loans | 89.8568% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8734% | 557 |
| Noncurrent loans to loans | 1.0489% | 729 |
| Net loans and leases to total assets | 81.1300% | 432 |
| Net loans and leases to deposits | 91.4946% | 792 |
| Net loans and leases to core deposits | 96.5770% | 975 |
| Total domestic deposits to total assets | 88.6700% | 2,227 |
| Equity capital to assets | 10.1113% | 1,563 |
| Core capital (leverage) ratio | 11.9938% | 1,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6820% | 895 |
| Memoranda: | ||
| Average total assets | $195,404,250 | 3,096 |
| Average earning assets | $185,304,750 | 3,056 |
| Average equity | $20,652,250 | 2,935 |
| Average total loans | $148,166,750 | 2,659 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6160% | 295 |
| Cost of funding earning assets | 0.1168% | 3,997 |
| Net interest margin | 4.4992% | 197 |
| Noninterest income to average assets | 0.2854% | 3,465 |
| Noninterest expense to average assets | 2.3682% | 2,342 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0296% | 220 |
| Return on assets (ROA) | 2.0296% | 223 |
| Pretax return on assets | 2.1718% | 261 |
| Return on Equity (ROE) | 18.9307% | 391 |
| Retained earnings to average equity (ytd only) | -0.6488% | 4,260 |
| Net charge-offs to loans | 0.0152% | 1,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 550 |
| Efficiency ratio | 52.1631% | 4,119 |
| Assets per employee ($millions) | 5.7376% | 2,988 |
| Cash dividends to net income (ytd only)* | 103.4274% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9589% | 3,769 |
| Loan loss allowance to noncurrent loans | 112.0625% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.7028% | 765 |
| Noncurrent loans to loans | 0.8556% | 994 |
| Net loans and leases to total assets | 79.6872% | 431 |
| Net loans and leases to deposits | 90.1522% | 710 |
| Net loans and leases to core deposits | 95.4783% | 849 |
| Total domestic deposits to total assets | 88.3919% | 2,426 |
| Equity capital to assets | 10.4168% | 1,472 |
| Core capital (leverage) ratio | 11.6370% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7879% | 1,227 |
| Memoranda: | ||
| Average total assets | $195,506,000 | 3,122 |
| Average earning assets | $184,878,000 | 3,102 |
| Average equity | $20,960,667 | 2,975 |
| Average total loans | $144,293,000 | 2,704 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 527 |
| Cost of funding earning assets | 0.1191% | 3,910 |
| Net interest margin | 4.0702% | 358 |
| Noninterest income to average assets | 0.2963% | 3,343 |
| Noninterest expense to average assets | 2.2972% | 2,511 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7188% | 393 |
| Return on assets (ROA) | 1.7188% | 396 |
| Pretax return on assets | 1.8414% | 502 |
| Return on Equity (ROE) | 15.8079% | 552 |
| Retained earnings to average equity (ytd only) | -11.2027% | 4,584 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5062% | 3,922 |
| Assets per employee ($millions) | 5.9362% | 2,861 |
| Cash dividends to net income (ytd only)* | 170.8680% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,468 |
| Loan loss allowance to noncurrent loans | 84.2222% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.9332% | 568 |
| Noncurrent loans to loans | 1.2658% | 694 |
| Net loans and leases to total assets | 71.8165% | 854 |
| Net loans and leases to deposits | 81.2752% | 1,056 |
| Net loans and leases to core deposits | 85.9239% | 1,135 |
| Total domestic deposits to total assets | 88.3621% | 2,351 |
| Equity capital to assets | 10.3816% | 1,637 |
| Core capital (leverage) ratio | 11.4001% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1115% | 1,024 |
| Memoranda: | ||
| Average total assets | $195,719,500 | 3,132 |
| Average earning assets | $184,759,500 | 3,112 |
| Average equity | $21,280,500 | 3,036 |
| Average total loans | $137,960,500 | 2,767 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9918% | 265 |
| Cost of funding earning assets | 0.1929% | 3,543 |
| Net interest margin | 4.7989% | 176 |
| Noninterest income to average assets | 0.4261% | 2,919 |
| Noninterest expense to average assets | 2.6123% | 1,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.1645% | 260 |
| Return on assets (ROA) | 2.1645% | 275 |
| Pretax return on assets | 2.3162% | 339 |
| Return on Equity (ROE) | 18.6928% | 399 |
| Retained earnings to average equity (ytd only) | 5.5267% | 2,550 |
| Net charge-offs to loans | -0.0129% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0039% | 4,032 |
| Assets per employee ($millions) | 5.7513% | 3,008 |
| Cash dividends to net income (ytd only)* | 70.4339% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,209 |
| Loan loss allowance to noncurrent loans | 134.0407% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5927% | 1,113 |
| Noncurrent loans to loans | 0.8458% | 1,200 |
| Net loans and leases to total assets | 67.6083% | 1,315 |
| Net loans and leases to deposits | 77.4799% | 1,450 |
| Net loans and leases to core deposits | 82.0847% | 1,455 |
| Total domestic deposits to total assets | 87.2591% | 2,411 |
| Equity capital to assets | 11.3652% | 1,572 |
| Core capital (leverage) ratio | 11.6915% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1527% | 871 |
| Memoranda: | ||
| Average total assets | $188,454,200 | 3,140 |
| Average earning assets | $176,810,600 | 3,118 |
| Average equity | $21,821,200 | 3,071 |
| Average total loans | $132,173,600 | 2,827 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9499% | 330 |
| Cost of funding earning assets | 0.2128% | 3,488 |
| Net interest margin | 4.7371% | 213 |
| Noninterest income to average assets | 0.4050% | 3,055 |
| Noninterest expense to average assets | 2.5526% | 1,972 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1383% | 364 |
| Return on assets (ROA) | 2.1383% | 385 |
| Pretax return on assets | 2.2883% | 475 |
| Return on Equity (ROE) | 18.3785% | 583 |
| Retained earnings to average equity (ytd only) | 5.7824% | 2,919 |
| Net charge-offs to loans | -0.0172% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7294% | 3,952 |
| Assets per employee ($millions) | 5.8079% | 2,881 |
| Cash dividends to net income (ytd only)* | 68.5371% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 3,196 |
| Loan loss allowance to noncurrent loans | 91.7120% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.9699% | 695 |
| Noncurrent loans to loans | 1.2564% | 877 |
| Net loans and leases to total assets | 67.8552% | 1,339 |
| Net loans and leases to deposits | 78.1497% | 1,469 |
| Net loans and leases to core deposits | 83.1832% | 1,480 |
| Total domestic deposits to total assets | 86.8273% | 2,419 |
| Equity capital to assets | 11.5730% | 1,625 |
| Core capital (leverage) ratio | 11.8430% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3782% | 900 |
| Memoranda: | ||
| Average total assets | $186,681,750 | 3,189 |
| Average earning assets | $174,813,500 | 3,172 |
| Average equity | $21,720,500 | 3,117 |
| Average total loans | $131,787,000 | 2,870 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9767% | 352 |
| Cost of funding earning assets | 0.2444% | 3,327 |
| Net interest margin | 4.7323% | 246 |
| Noninterest income to average assets | 0.4443% | 2,878 |
| Noninterest expense to average assets | 2.4581% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2441% | 312 |
| Return on assets (ROA) | 2.2441% | 333 |
| Pretax return on assets | 2.4019% | 412 |
| Return on Equity (ROE) | 19.2516% | 518 |
| Retained earnings to average equity (ytd only) | 5.9257% | 2,832 |
| Net charge-offs to loans | -0.0258% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5783% | 4,186 |
| Assets per employee ($millions) | 5.8446% | 2,767 |
| Cash dividends to net income (ytd only)* | 69.2197% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 3,060 |
| Loan loss allowance to noncurrent loans | 90.2381% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.9940% | 758 |
| Noncurrent loans to loans | 1.3050% | 900 |
| Net loans and leases to total assets | 68.0221% | 1,442 |
| Net loans and leases to deposits | 78.4779% | 1,575 |
| Net loans and leases to core deposits | 83.6725% | 1,593 |
| Total domestic deposits to total assets | 86.6767% | 2,483 |
| Equity capital to assets | 11.7085% | 1,512 |
| Core capital (leverage) ratio | 11.7064% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4566% | 762 |
| Memoranda: | ||
| Average total assets | $185,022,000 | 3,212 |
| Average earning assets | $172,645,000 | 3,192 |
| Average equity | $21,567,000 | 3,125 |
| Average total loans | $131,860,000 | 2,878 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 578 |
| Cost of funding earning assets | 0.2898% | 3,101 |
| Net interest margin | 4.4026% | 425 |
| Noninterest income to average assets | 0.3674% | 3,258 |
| Noninterest expense to average assets | 2.4780% | 2,238 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8541% | 712 |
| Return on assets (ROA) | 1.8541% | 769 |
| Pretax return on assets | 1.9846% | 971 |
| Return on Equity (ROE) | 15.9428% | 1,027 |
| Retained earnings to average equity (ytd only) | 0.5981% | 4,287 |
| Net charge-offs to loans | -0.0030% | 3,226 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5285% | 3,601 |
| Assets per employee ($millions) | 5.7144% | 2,892 |
| Cash dividends to net income (ytd only)* | 96.2485% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 3,333 |
| Loan loss allowance to noncurrent loans | 57.2956% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.6641% | 349 |
| Noncurrent loans to loans | 1.9569% | 561 |
| Net loans and leases to total assets | 70.1496% | 1,266 |
| Net loans and leases to deposits | 81.5873% | 1,363 |
| Net loans and leases to core deposits | 86.5608% | 1,485 |
| Total domestic deposits to total assets | 85.9811% | 2,742 |
| Equity capital to assets | 11.3112% | 1,653 |
| Core capital (leverage) ratio | 11.8806% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8825% | 948 |
| Memoranda: | ||
| Average total assets | $184,020,000 | 3,216 |
| Average earning assets | $171,173,500 | 3,199 |
| Average equity | $21,401,500 | 3,125 |
| Average total loans | $133,422,500 | 2,858 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6053% | 154 |
| Cost of funding earning assets | 0.5869% | 2,403 |
| Net interest margin | 5.0184% | 121 |
| Noninterest income to average assets | 0.4990% | 2,636 |
| Noninterest expense to average assets | 2.9079% | 1,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.0888% | 221 |
| Return on assets (ROA) | 2.0888% | 238 |
| Pretax return on assets | 2.2349% | 283 |
| Return on Equity (ROE) | 16.4803% | 457 |
| Retained earnings to average equity (ytd only) | 1.0394% | 4,213 |
| Net charge-offs to loans | 0.0619% | 1,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 43.5930% | 1,316 |
| Efficiency ratio | 56.5434% | 3,915 |
| Assets per employee ($millions) | 5.4384% | 2,907 |
| Cash dividends to net income (ytd only)* | 93.6929% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 3,324 |
| Loan loss allowance to noncurrent loans | 56.3534% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.7753% | 353 |
| Noncurrent loans to loans | 1.9991% | 576 |
| Net loans and leases to total assets | 73.3075% | 1,114 |
| Net loans and leases to deposits | 85.0587% | 1,344 |
| Net loans and leases to core deposits | 90.8395% | 1,467 |
| Total domestic deposits to total assets | 86.1846% | 2,287 |
| Equity capital to assets | 11.9649% | 1,588 |
| Core capital (leverage) ratio | 12.1110% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7611% | 800 |
| Memoranda: | ||
| Average total assets | $167,751,000 | 3,216 |
| Average earning assets | $155,228,600 | 3,211 |
| Average equity | $21,261,800 | 3,075 |
| Average total loans | $138,823,600 | 2,763 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5693% | 200 |
| Cost of funding earning assets | 0.6448% | 2,356 |
| Net interest margin | 4.9246% | 158 |
| Noninterest income to average assets | 0.5299% | 2,478 |
| Noninterest expense to average assets | 2.9300% | 1,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.0126% | 286 |
| Return on assets (ROA) | 2.0126% | 318 |
| Pretax return on assets | 2.1534% | 373 |
| Return on Equity (ROE) | 15.6408% | 587 |
| Retained earnings to average equity (ytd only) | 0.1572% | 4,454 |
| Net charge-offs to loans | 0.0295% | 2,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 85.8710% | 880 |
| Efficiency ratio | 57.6384% | 3,717 |
| Assets per employee ($millions) | 5.3325% | 2,858 |
| Cash dividends to net income (ytd only)* | 98.9952% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 3,222 |
| Loan loss allowance to noncurrent loans | 52.6601% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 2.0418% | 314 |
| Noncurrent loans to loans | 2.0854% | 575 |
| Net loans and leases to total assets | 79.5313% | 651 |
| Net loans and leases to deposits | 93.6710% | 948 |
| Net loans and leases to core deposits | 100.5020% | 1,126 |
| Total domestic deposits to total assets | 84.9049% | 2,483 |
| Equity capital to assets | 12.0918% | 1,628 |
| Core capital (leverage) ratio | 12.1890% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8399% | 1,291 |
| Memoranda: | ||
| Average total assets | $164,822,250 | 3,218 |
| Average earning assets | $152,402,000 | 3,219 |
| Average equity | $21,209,000 | 3,073 |
| Average total loans | $140,264,250 | 2,756 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7539% | 209 |
| Cost of funding earning assets | 0.7258% | 2,263 |
| Net interest margin | 5.0281% | 192 |
| Noninterest income to average assets | 0.5375% | 2,406 |
| Noninterest expense to average assets | 3.0626% | 1,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.9639% | 356 |
| Return on assets (ROA) | 1.9639% | 398 |
| Pretax return on assets | 2.1017% | 439 |
| Return on Equity (ROE) | 14.9344% | 718 |
| Retained earnings to average equity (ytd only) | -0.5664% | 4,413 |
| Net charge-offs to loans | 0.0272% | 2,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 89.1053% | 756 |
| Efficiency ratio | 59.3029% | 3,516 |
| Assets per employee ($millions) | 4.7664% | 3,450 |
| Cash dividends to net income (ytd only)* | 103.7927% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,279 |
| Loan loss allowance to noncurrent loans | 44.4570% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 2.4459% | 233 |
| Noncurrent loans to loans | 2.3852% | 508 |
| Net loans and leases to total assets | 85.2604% | 174 |
| Net loans and leases to deposits | 100.7597% | 505 |
| Net loans and leases to core deposits | 108.2773% | 803 |
| Total domestic deposits to total assets | 84.6176% | 2,528 |
| Equity capital to assets | 12.3508% | 1,453 |
| Core capital (leverage) ratio | 12.6223% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9479% | 1,066 |
| Memoranda: | ||
| Average total assets | $161,106,000 | 3,237 |
| Average earning assets | $148,247,333 | 3,238 |
| Average equity | $21,186,000 | 3,065 |
| Average total loans | $139,850,333 | 2,750 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1443% | 139 |
| Cost of funding earning assets | 0.8189% | 2,286 |
| Net interest margin | 5.3254% | 123 |
| Noninterest income to average assets | 0.6852% | 1,701 |
| Noninterest expense to average assets | 3.1079% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.3226% | 147 |
| Return on assets (ROA) | 2.3226% | 161 |
| Pretax return on assets | 2.4842% | 171 |
| Return on Equity (ROE) | 17.0896% | 329 |
| Retained earnings to average equity (ytd only) | -2.2849% | 4,283 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5760% | 4,250 |
| Assets per employee ($millions) | 4.5152% | 3,237 |
| Cash dividends to net income (ytd only)* | 113.3702% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 2,963 |
| Loan loss allowance to noncurrent loans | 38.2722% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 3.0076% | 196 |
| Noncurrent loans to loans | 2.9919% | 360 |
| Net loans and leases to total assets | 86.6400% | 109 |
| Net loans and leases to deposits | 102.9296% | 412 |
| Net loans and leases to core deposits | 111.0670% | 798 |
| Total domestic deposits to total assets | 84.1741% | 2,721 |
| Equity capital to assets | 13.3631% | 1,277 |
| Core capital (leverage) ratio | 13.5625% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1443% | 729 |
| Memoranda: | ||
| Average total assets | $155,863,000 | 3,258 |
| Average earning assets | $143,612,500 | 3,258 |
| Average equity | $21,182,500 | 3,058 |
| Average total loans | $135,841,500 | 2,766 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7546% | 358 |
| Cost of funding earning assets | 0.8408% | 2,485 |
| Net interest margin | 4.9138% | 321 |
| Noninterest income to average assets | 0.4500% | 3,006 |
| Noninterest expense to average assets | 3.0690% | 1,833 |
| Loan and lease loss provision to assets | -0.0997% | 5,082 |
| Net operating income to assets | 1.9410% | 398 |
| Return on assets (ROA) | 1.9410% | 414 |
| Pretax return on assets | 2.0766% | 503 |
| Return on Equity (ROE) | 13.9507% | 902 |
| Retained earnings to average equity (ytd only) | 1.7916% | 4,091 |
| Net charge-offs to loans | -0.1906% | 5,054 |
| Credit loss provision to net charge-offs | 60.7287% | 3,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8220% | 3,564 |
| Assets per employee ($millions) | 4.2693% | 3,551 |
| Cash dividends to net income (ytd only)* | 87.1575% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,487 |
| Loan loss allowance to noncurrent loans | 36.0045% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 3.3567% | 141 |
| Noncurrent loans to loans | 3.3076% | 255 |
| Net loans and leases to total assets | 85.6195% | 191 |
| Net loans and leases to deposits | 99.8998% | 612 |
| Net loans and leases to core deposits | 109.3256% | 891 |
| Total domestic deposits to total assets | 85.7054% | 2,188 |
| Equity capital to assets | 13.8242% | 1,157 |
| Core capital (leverage) ratio | 13.7994% | 983 |
| Tier 1 risk-based capital ratio | 18.7658% | 1,571 |
| Total risk-based capital ratio | 20.0191% | 1,538 |
| Memoranda: | ||
| Average total assets | $150,441,600 | 3,295 |
| Average earning assets | $140,704,800 | 3,267 |
| Average equity | $20,930,800 | 3,044 |
| Average total loans | $129,563,400 | 2,824 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6983% | 413 |
| Cost of funding earning assets | 0.8305% | 2,563 |
| Net interest margin | 4.8678% | 369 |
| Noninterest income to average assets | 0.4491% | 3,026 |
| Noninterest expense to average assets | 3.0867% | 1,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7866% | 631 |
| Return on assets (ROA) | 1.7866% | 663 |
| Pretax return on assets | 1.9114% | 838 |
| Return on Equity (ROE) | 12.8204% | 1,346 |
| Retained earnings to average equity (ytd only) | 0.4860% | 4,669 |
| Net charge-offs to loans | 0.0529% | 2,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 42.0578% | 1,325 |
| Efficiency ratio | 61.7579% | 3,359 |
| Assets per employee ($millions) | 4.3218% | 3,452 |
| Cash dividends to net income (ytd only)* | 96.2095% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 3,043 |
| Loan loss allowance to noncurrent loans | 33.9155% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 3.3895% | 151 |
| Noncurrent loans to loans | 3.2344% | 278 |
| Net loans and leases to total assets | 85.6541% | 211 |
| Net loans and leases to deposits | 100.2290% | 612 |
| Net loans and leases to core deposits | 108.2054% | 1,042 |
| Total domestic deposits to total assets | 85.4584% | 2,233 |
| Equity capital to assets | 13.8487% | 1,213 |
| Core capital (leverage) ratio | 13.7570% | 1,054 |
| Tier 1 risk-based capital ratio | 13.9242% | 3,367 |
| Total risk-based capital ratio | 14.8793% | 3,417 |
| Memoranda: | ||
| Average total assets | $149,628,500 | 3,335 |
| Average earning assets | $139,828,000 | 3,314 |
| Average equity | $20,851,750 | 3,077 |
| Average total loans | $128,659,750 | 2,872 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5917% | 476 |
| Cost of funding earning assets | 0.8097% | 2,596 |
| Net interest margin | 4.7820% | 420 |
| Noninterest income to average assets | 0.4360% | 3,032 |
| Noninterest expense to average assets | 3.1177% | 1,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6622% | 784 |
| Return on assets (ROA) | 1.6622% | 821 |
| Pretax return on assets | 1.7789% | 1,089 |
| Return on Equity (ROE) | 11.9022% | 1,614 |
| Retained earnings to average equity (ytd only) | -0.7109% | 4,790 |
| Net charge-offs to loans | 0.0610% | 1,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,371 |
| Efficiency ratio | 63.6712% | 3,187 |
| Assets per employee ($millions) | 4.3010% | 3,430 |
| Cash dividends to net income (ytd only)* | 105.9726% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 2,953 |
| Loan loss allowance to noncurrent loans | 34.3676% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 3.4357% | 149 |
| Noncurrent loans to loans | 3.2614% | 284 |
| Net loans and leases to total assets | 85.0302% | 279 |
| Net loans and leases to deposits | 99.3110% | 729 |
| Net loans and leases to core deposits | 107.4303% | 1,147 |
| Total domestic deposits to total assets | 85.6201% | 2,212 |
| Equity capital to assets | 13.8153% | 1,194 |
| Core capital (leverage) ratio | 13.9478% | 981 |
| Tier 1 risk-based capital ratio | 18.8517% | 1,588 |
| Total risk-based capital ratio | 20.1017% | 1,556 |
| Memoranda: | ||
| Average total assets | $149,083,670 | 3,365 |
| Average earning assets | $139,063,670 | 3,341 |
| Average equity | $20,819,670 | 3,071 |
| Average total loans | $127,879,670 | 2,898 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5558% | 474 |
| Cost of funding earning assets | 0.7752% | 2,665 |
| Net interest margin | 4.7806% | 425 |
| Noninterest income to average assets | 0.4584% | 2,804 |
| Noninterest expense to average assets | 3.1222% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6905% | 744 |
| Return on assets (ROA) | 1.6905% | 770 |
| Pretax return on assets | 1.8091% | 965 |
| Return on Equity (ROE) | 12.0397% | 1,515 |
| Retained earnings to average equity (ytd only) | -1.3634% | 4,691 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3133% | 3,345 |
| Assets per employee ($millions) | 4.2836% | 3,505 |
| Cash dividends to net income (ytd only)* | 111.3238% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 2,765 |
| Loan loss allowance to noncurrent loans | 36.4683% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 3.1723% | 186 |
| Noncurrent loans to loans | 3.1956% | 318 |
| Net loans and leases to total assets | 84.2301% | 349 |
| Net loans and leases to deposits | 98.4524% | 742 |
| Net loans and leases to core deposits | 106.6949% | 1,125 |
| Total domestic deposits to total assets | 85.5541% | 2,462 |
| Equity capital to assets | 13.8729% | 1,085 |
| Core capital (leverage) ratio | 14.0851% | 926 |
| Tier 1 risk-based capital ratio | 19.2665% | 1,489 |
| Total risk-based capital ratio | 20.5199% | 1,460 |
| Memoranda: | ||
| Average total assets | $148,357,500 | 3,409 |
| Average earning assets | $138,811,000 | 3,383 |
| Average equity | $20,831,000 | 3,081 |
| Average total loans | $127,093,500 | 2,937 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5872% | 342 |
| Cost of funding earning assets | 0.5198% | 3,229 |
| Net interest margin | 5.0674% | 234 |
| Noninterest income to average assets | 0.5104% | 2,777 |
| Noninterest expense to average assets | 3.2113% | 1,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.9347% | 407 |
| Return on assets (ROA) | 1.9347% | 405 |
| Pretax return on assets | 2.0707% | 474 |
| Return on Equity (ROE) | 13.8504% | 1,079 |
| Retained earnings to average equity (ytd only) | 1.9142% | 4,384 |
| Net charge-offs to loans | 0.0712% | 2,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 33.2500% | 1,501 |
| Efficiency ratio | 60.7971% | 3,728 |
| Assets per employee ($millions) | 4.0775% | 3,777 |
| Cash dividends to net income (ytd only)* | 86.1791% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 2,676 |
| Loan loss allowance to noncurrent loans | 35.0353% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 3.3551% | 165 |
| Noncurrent loans to loans | 3.3619% | 278 |
| Net loans and leases to total assets | 85.1059% | 304 |
| Net loans and leases to deposits | 100.1186% | 736 |
| Net loans and leases to core deposits | 107.2436% | 1,178 |
| Total domestic deposits to total assets | 85.0051% | 2,648 |
| Equity capital to assets | 14.2128% | 910 |
| Core capital (leverage) ratio | 14.1975% | 872 |
| Tier 1 risk-based capital ratio | 19.1054% | 1,501 |
| Total risk-based capital ratio | 20.4688% | 1,436 |
| Memoranda: | ||
| Average total assets | $147,726,600 | 3,411 |
| Average earning assets | $139,104,800 | 3,366 |
| Average equity | $20,634,800 | 3,027 |
| Average total loans | $129,199,200 | 2,882 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5051% | 355 |
| Cost of funding earning assets | 0.4712% | 3,385 |
| Net interest margin | 5.0339% | 251 |
| Noninterest income to average assets | 0.5046% | 2,844 |
| Noninterest expense to average assets | 3.1602% | 1,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9536% | 435 |
| Return on assets (ROA) | 1.9536% | 428 |
| Pretax return on assets | 2.0906% | 494 |
| Return on Equity (ROE) | 14.0472% | 1,107 |
| Retained earnings to average equity (ytd only) | 2.0799% | 4,556 |
| Net charge-offs to loans | 0.0144% | 2,910 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 165.6808% | 501 |
| Efficiency ratio | 60.1853% | 3,794 |
| Assets per employee ($millions) | 4.0914% | 3,746 |
| Cash dividends to net income (ytd only)* | 85.1940% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 2,506 |
| Loan loss allowance to noncurrent loans | 32.6594% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 3.4313% | 173 |
| Noncurrent loans to loans | 3.7366% | 240 |
| Net loans and leases to total assets | 86.1152% | 255 |
| Net loans and leases to deposits | 101.0524% | 700 |
| Net loans and leases to core deposits | 108.7178% | 1,114 |
| Total domestic deposits to total assets | 85.2184% | 2,521 |
| Equity capital to assets | 14.1115% | 924 |
| Core capital (leverage) ratio | 13.9891% | 938 |
| Tier 1 risk-based capital ratio | 18.6574% | 1,625 |
| Total risk-based capital ratio | 19.9095% | 1,585 |
| Memoranda: | ||
| Average total assets | $147,960,750 | 3,445 |
| Average earning assets | $139,503,250 | 3,394 |
| Average equity | $20,577,750 | 3,055 |
| Average total loans | $129,895,000 | 2,901 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3644% | 415 |
| Cost of funding earning assets | 0.4235% | 3,547 |
| Net interest margin | 4.9409% | 273 |
| Noninterest income to average assets | 0.5021% | 2,852 |
| Noninterest expense to average assets | 3.2257% | 1,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7802% | 608 |
| Return on assets (ROA) | 1.7802% | 610 |
| Pretax return on assets | 1.9057% | 762 |
| Return on Equity (ROE) | 12.8629% | 1,414 |
| Retained earnings to average equity (ytd only) | 0.8582% | 4,790 |
| Net charge-offs to loans | -0.0107% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8617% | 3,507 |
| Assets per employee ($millions) | 4.1129% | 3,706 |
| Cash dividends to net income (ytd only)* | 93.3283% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,618 |
| Loan loss allowance to noncurrent loans | 28.1883% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 3.9524% | 142 |
| Noncurrent loans to loans | 4.3193% | 191 |
| Net loans and leases to total assets | 86.9610% | 199 |
| Net loans and leases to deposits | 101.5818% | 691 |
| Net loans and leases to core deposits | 107.9850% | 1,120 |
| Total domestic deposits to total assets | 85.6068% | 2,453 |
| Equity capital to assets | 13.8826% | 960 |
| Core capital (leverage) ratio | 14.1701% | 865 |
| Tier 1 risk-based capital ratio | 18.5637% | 1,659 |
| Total risk-based capital ratio | 19.8163% | 1,621 |
| Memoranda: | ||
| Average total assets | $148,184,000 | 3,462 |
| Average earning assets | $138,840,670 | 3,425 |
| Average equity | $20,508,670 | 3,075 |
| Average total loans | $130,391,000 | 2,905 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3703% | 356 |
| Cost of funding earning assets | 0.3910% | 3,655 |
| Net interest margin | 4.9792% | 235 |
| Noninterest income to average assets | 0.5073% | 2,762 |
| Noninterest expense to average assets | 3.2730% | 1,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7485% | 617 |
| Return on assets (ROA) | 1.7485% | 625 |
| Pretax return on assets | 1.8726% | 775 |
| Return on Equity (ROE) | 12.6529% | 1,366 |
| Retained earnings to average equity (ytd only) | 0.6248% | 4,706 |
| Net charge-offs to loans | -0.0245% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6078% | 3,543 |
| Assets per employee ($millions) | 3.8705% | 4,190 |
| Cash dividends to net income (ytd only)* | 95.0617% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,644 |
| Loan loss allowance to noncurrent loans | 36.1998% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 3.1201% | 248 |
| Noncurrent loans to loans | 3.3925% | 315 |
| Net loans and leases to total assets | 86.7832% | 209 |
| Net loans and leases to deposits | 105.9975% | 383 |
| Net loans and leases to core deposits | 112.1322% | 885 |
| Total domestic deposits to total assets | 81.8729% | 4,003 |
| Equity capital to assets | 13.9382% | 905 |
| Core capital (leverage) ratio | 14.3696% | 794 |
| Tier 1 risk-based capital ratio | 18.4871% | 1,698 |
| Total risk-based capital ratio | 19.7397% | 1,658 |
| Memoranda: | ||
| Average total assets | $148,244,500 | 3,487 |
| Average earning assets | $138,094,000 | 3,475 |
| Average equity | $20,485,500 | 3,109 |
| Average total loans | $130,414,500 | 2,929 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3092% | 361 |
| Cost of funding earning assets | 0.3722% | 3,496 |
| Net interest margin | 4.9370% | 262 |
| Noninterest income to average assets | 0.9507% | 1,139 |
| Noninterest expense to average assets | 3.2216% | 1,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.1911% | 193 |
| Return on assets (ROA) | 2.1911% | 197 |
| Pretax return on assets | 2.3453% | 246 |
| Return on Equity (ROE) | 16.0248% | 478 |
| Retained earnings to average equity (ytd only) | 1.9369% | 4,165 |
| Net charge-offs to loans | 0.0206% | 3,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 134.5385% | 513 |
| Efficiency ratio | 57.8706% | 4,542 |
| Assets per employee ($millions) | 3.9319% | 4,072 |
| Cash dividends to net income (ytd only)* | 87.9131% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,769 |
| Loan loss allowance to noncurrent loans | 44.0267% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.5406% | 367 |
| Noncurrent loans to loans | 2.7287% | 448 |
| Net loans and leases to total assets | 87.0230% | 187 |
| Net loans and leases to deposits | 105.5442% | 420 |
| Net loans and leases to core deposits | 110.9346% | 955 |
| Total domestic deposits to total assets | 82.4518% | 3,744 |
| Equity capital to assets | 13.7011% | 987 |
| Core capital (leverage) ratio | 13.8957% | 860 |
| Tier 1 risk-based capital ratio | 18.0858% | 1,778 |
| Total risk-based capital ratio | 19.3376% | 1,729 |
| Memoranda: | ||
| Average total assets | $149,148,800 | 3,481 |
| Average earning assets | $139,456,400 | 3,462 |
| Average equity | $20,393,400 | 3,097 |
| Average total loans | $126,243,600 | 2,976 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2708% | 366 |
| Cost of funding earning assets | 0.3699% | 3,463 |
| Net interest margin | 4.9008% | 274 |
| Noninterest income to average assets | 0.7870% | 1,632 |
| Noninterest expense to average assets | 3.2759% | 1,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9586% | 344 |
| Return on assets (ROA) | 1.9586% | 349 |
| Pretax return on assets | 2.0963% | 450 |
| Return on Equity (ROE) | 14.3316% | 768 |
| Retained earnings to average equity (ytd only) | 3.5862% | 3,783 |
| Net charge-offs to loans | 0.0203% | 3,088 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 123.3818% | 617 |
| Efficiency ratio | 60.9789% | 4,048 |
| Assets per employee ($millions) | 3.8544% | 4,227 |
| Cash dividends to net income (ytd only)* | 74.9771% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 2,505 |
| Loan loss allowance to noncurrent loans | 40.7550% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 3.4313% | 231 |
| Noncurrent loans to loans | 3.1216% | 388 |
| Net loans and leases to total assets | 81.9288% | 703 |
| Net loans and leases to deposits | 96.1728% | 1,103 |
| Net loans and leases to core deposits | 101.2813% | 1,601 |
| Total domestic deposits to total assets | 85.1891% | 2,640 |
| Equity capital to assets | 13.7245% | 1,066 |
| Core capital (leverage) ratio | 13.7281% | 963 |
| Tier 1 risk-based capital ratio | 19.0878% | 1,559 |
| Total risk-based capital ratio | 20.3405% | 1,519 |
| Memoranda: | ||
| Average total assets | $149,083,250 | 3,513 |
| Average earning assets | $139,482,750 | 3,490 |
| Average equity | $20,374,000 | 3,123 |
| Average total loans | $124,903,750 | 3,014 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1555% | 427 |
| Cost of funding earning assets | 0.3694% | 3,388 |
| Net interest margin | 4.7861% | 332 |
| Noninterest income to average assets | 0.8933% | 1,290 |
| Noninterest expense to average assets | 3.2501% | 1,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9991% | 310 |
| Return on assets (ROA) | 1.9991% | 315 |
| Pretax return on assets | 2.1403% | 405 |
| Return on Equity (ROE) | 14.6488% | 714 |
| Retained earnings to average equity (ytd only) | 4.5346% | 3,012 |
| Net charge-offs to loans | 0.0176% | 2,898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 144.6364% | 515 |
| Efficiency ratio | 60.2945% | 4,277 |
| Assets per employee ($millions) | 3.8168% | 4,255 |
| Cash dividends to net income (ytd only)* | 69.0444% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,548 |
| Loan loss allowance to noncurrent loans | 37.4648% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 3.6398% | 206 |
| Noncurrent loans to loans | 3.4015% | 347 |
| Net loans and leases to total assets | 83.0634% | 542 |
| Net loans and leases to deposits | 97.5295% | 934 |
| Net loans and leases to core deposits | 102.7549% | 1,452 |
| Total domestic deposits to total assets | 85.1674% | 2,744 |
| Equity capital to assets | 13.7993% | 1,042 |
| Core capital (leverage) ratio | 13.7885% | 915 |
| Tier 1 risk-based capital ratio | 18.9487% | 1,601 |
| Total risk-based capital ratio | 20.2003% | 1,558 |
| Memoranda: | ||
| Average total assets | $148,670,330 | 3,538 |
| Average earning assets | $139,695,670 | 3,501 |
| Average equity | $20,288,330 | 3,126 |
| Average total loans | $124,957,000 | 3,023 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0357% | 494 |
| Cost of funding earning assets | 0.3664% | 3,355 |
| Net interest margin | 4.6692% | 393 |
| Noninterest income to average assets | 0.5061% | 2,939 |
| Noninterest expense to average assets | 3.2037% | 1,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5830% | 703 |
| Return on assets (ROA) | 1.5830% | 715 |
| Pretax return on assets | 1.6934% | 1,022 |
| Return on Equity (ROE) | 11.6655% | 1,346 |
| Retained earnings to average equity (ytd only) | 3.5314% | 3,675 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4206% | 3,586 |
| Assets per employee ($millions) | 3.8878% | 4,202 |
| Cash dividends to net income (ytd only)* | 69.7279% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,699 |
| Loan loss allowance to noncurrent loans | 37.1501% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 3.8501% | 199 |
| Noncurrent loans to loans | 3.4135% | 370 |
| Net loans and leases to total assets | 84.6361% | 316 |
| Net loans and leases to deposits | 99.3903% | 655 |
| Net loans and leases to core deposits | 105.1915% | 1,151 |
| Total domestic deposits to total assets | 85.1553% | 3,023 |
| Equity capital to assets | 13.7082% | 1,003 |
| Core capital (leverage) ratio | 13.6008% | 944 |
| Tier 1 risk-based capital ratio | 18.2130% | 1,801 |
| Total risk-based capital ratio | 19.4657% | 1,772 |
| Memoranda: | ||
| Average total assets | $148,578,000 | 3,576 |
| Average earning assets | $139,723,500 | 3,531 |
| Average equity | $20,162,000 | 3,149 |
| Average total loans | $124,815,500 | 3,041 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6775% | 198 |
| Cost of funding earning assets | 0.3410% | 3,620 |
| Net interest margin | 5.3365% | 143 |
| Noninterest income to average assets | 0.6726% | 2,305 |
| Noninterest expense to average assets | 3.4156% | 1,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.0725% | 274 |
| Return on assets (ROA) | 2.0725% | 286 |
| Pretax return on assets | 2.2188% | 312 |
| Return on Equity (ROE) | 14.6487% | 679 |
| Retained earnings to average equity (ytd only) | 1.4495% | 4,681 |
| Net charge-offs to loans | -0.0041% | 4,780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6211% | 4,490 |
| Assets per employee ($millions) | 3.9321% | 4,093 |
| Cash dividends to net income (ytd only)* | 90.1047% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,516 |
| Loan loss allowance to noncurrent loans | 55.5325% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 2.8524% | 375 |
| Noncurrent loans to loans | 2.3515% | 696 |
| Net loans and leases to total assets | 81.2348% | 708 |
| Net loans and leases to deposits | 95.8193% | 1,018 |
| Net loans and leases to core deposits | 101.7921% | 1,459 |
| Total domestic deposits to total assets | 84.7791% | 3,140 |
| Equity capital to assets | 13.4333% | 1,081 |
| Core capital (leverage) ratio | 13.6731% | 906 |
| Tier 1 risk-based capital ratio | 18.6522% | 1,687 |
| Total risk-based capital ratio | 19.9048% | 1,658 |
| Memoranda: | ||
| Average total assets | $142,871,800 | 3,624 |
| Average earning assets | $132,839,000 | 3,604 |
| Average equity | $20,213,400 | 3,149 |
| Average total loans | $121,602,600 | 3,043 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8226% | 155 |
| Cost of funding earning assets | 0.3311% | 3,767 |
| Net interest margin | 5.4915% | 116 |
| Noninterest income to average assets | 0.7798% | 1,843 |
| Noninterest expense to average assets | 3.4655% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.2458% | 226 |
| Return on assets (ROA) | 2.2458% | 240 |
| Pretax return on assets | 2.4035% | 256 |
| Return on Equity (ROE) | 15.6648% | 587 |
| Retained earnings to average equity (ytd only) | 4.8528% | 2,928 |
| Net charge-offs to loans | -0.0055% | 4,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0478% | 4,684 |
| Assets per employee ($millions) | 3.8030% | 4,298 |
| Cash dividends to net income (ytd only)* | 69.0207% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 2,447 |
| Loan loss allowance to noncurrent loans | 52.9819% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 3.1319% | 354 |
| Noncurrent loans to loans | 2.5435% | 680 |
| Net loans and leases to total assets | 81.4573% | 696 |
| Net loans and leases to deposits | 97.2667% | 927 |
| Net loans and leases to core deposits | 102.0396% | 1,476 |
| Total domestic deposits to total assets | 83.7463% | 3,300 |
| Equity capital to assets | 14.2054% | 963 |
| Core capital (leverage) ratio | 14.1980% | 793 |
| Tier 1 risk-based capital ratio | 19.6706% | 1,508 |
| Total risk-based capital ratio | 20.9248% | 1,472 |
| Memoranda: | ||
| Average total assets | $141,234,750 | 3,669 |
| Average earning assets | $130,889,000 | 3,659 |
| Average equity | $20,248,750 | 3,164 |
| Average total loans | $121,256,500 | 3,051 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9770% | 128 |
| Cost of funding earning assets | 0.3211% | 3,890 |
| Net interest margin | 5.6559% | 94 |
| Noninterest income to average assets | 0.9091% | 1,351 |
| Noninterest expense to average assets | 3.4808% | 1,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.4832% | 156 |
| Return on assets (ROA) | 2.4832% | 157 |
| Pretax return on assets | 2.6573% | 177 |
| Return on Equity (ROE) | 17.2659% | 415 |
| Retained earnings to average equity (ytd only) | 7.0850% | 1,561 |
| Net charge-offs to loans | -0.0098% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7077% | 5,057 |
| Assets per employee ($millions) | 3.8433% | 4,180 |
| Cash dividends to net income (ytd only)* | 58.9655% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 2,641 |
| Loan loss allowance to noncurrent loans | 39.6841% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 3.8733% | 245 |
| Noncurrent loans to loans | 3.3424% | 404 |
| Net loans and leases to total assets | 84.1206% | 414 |
| Net loans and leases to deposits | 101.5019% | 599 |
| Net loans and leases to core deposits | 106.2825% | 1,158 |
| Total domestic deposits to total assets | 82.8759% | 3,700 |
| Equity capital to assets | 14.4230% | 893 |
| Core capital (leverage) ratio | 14.6269% | 689 |
| Tier 1 risk-based capital ratio | 19.3564% | 1,609 |
| Total risk-based capital ratio | 20.6087% | 1,568 |
| Memoranda: | ||
| Average total assets | $140,141,330 | 3,715 |
| Average earning assets | $129,563,330 | 3,701 |
| Average equity | $20,155,330 | 3,180 |
| Average total loans | $121,900,000 | 3,049 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1175% | 109 |
| Cost of funding earning assets | 0.3201% | 3,945 |
| Net interest margin | 5.7973% | 83 |
| Noninterest income to average assets | 1.2192% | 728 |
| Noninterest expense to average assets | 3.3901% | 1,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.8380% | 111 |
| Return on assets (ROA) | 2.8380% | 112 |
| Pretax return on assets | 3.0364% | 128 |
| Return on Equity (ROE) | 19.7617% | 259 |
| Retained earnings to average equity (ytd only) | 7.4482% | 1,688 |
| Net charge-offs to loans | -0.0164% | 4,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7517% | 5,467 |
| Assets per employee ($millions) | 3.7795% | 4,342 |
| Cash dividends to net income (ytd only)* | 62.3100% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 2,865 |
| Loan loss allowance to noncurrent loans | 26.6148% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 5.5348% | 141 |
| Noncurrent loans to loans | 4.9119% | 198 |
| Net loans and leases to total assets | 86.7537% | 176 |
| Net loans and leases to deposits | 105.6859% | 354 |
| Net loans and leases to core deposits | 110.2910% | 838 |
| Total domestic deposits to total assets | 82.0863% | 4,199 |
| Equity capital to assets | 14.4176% | 857 |
| Core capital (leverage) ratio | 14.5443% | 692 |
| Tier 1 risk-based capital ratio | 18.3299% | 1,902 |
| Total risk-based capital ratio | 19.5827% | 1,859 |
| Memoranda: | ||
| Average total assets | $139,110,500 | 3,766 |
| Average earning assets | $124,954,000 | 3,808 |
| Average equity | $19,978,000 | 3,201 |
| Average total loans | $122,235,000 | 3,053 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3777% | 329 |
| Cost of funding earning assets | 0.2928% | 4,334 |
| Net interest margin | 5.0848% | 214 |
| Noninterest income to average assets | 0.2818% | 4,867 |
| Noninterest expense to average assets | 3.3410% | 1,627 |
| Loan and lease loss provision to assets | 0.0248% | 3,892 |
| Net operating income to assets | 1.4715% | 913 |
| Return on assets (ROA) | 1.4715% | 945 |
| Pretax return on assets | 1.5763% | 1,321 |
| Return on Equity (ROE) | 10.5340% | 1,790 |
| Retained earnings to average equity (ytd only) | 1.7945% | 4,709 |
| Net charge-offs to loans | 0.0681% | 2,876 |
| Credit loss provision to net charge-offs | 42.1687% | 3,503 |
| Earnings coverage of net charge-offs (x) | 27.2410% | 1,552 |
| Efficiency ratio | 67.6028% | 3,643 |
| Assets per employee ($millions) | 3.7399% | 4,397 |
| Cash dividends to net income (ytd only)* | 82.9644% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 2,805 |
| Loan loss allowance to noncurrent loans | 22.5634% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 6.9556% | 103 |
| Noncurrent loans to loans | 5.8415% | 147 |
| Net loans and leases to total assets | 86.6771% | 184 |
| Net loans and leases to deposits | 103.6861% | 457 |
| Net loans and leases to core deposits | 107.1964% | 1,033 |
| Total domestic deposits to total assets | 83.5957% | 3,638 |
| Equity capital to assets | 14.3043% | 832 |
| Core capital (leverage) ratio | 14.1205% | 789 |
| Tier 1 risk-based capital ratio | 17.8531% | 2,012 |
| Total risk-based capital ratio | 19.1059% | 1,961 |
| Memoranda: | ||
| Average total assets | $141,213,400 | 3,704 |
| Average earning assets | $129,424,000 | 3,714 |
| Average equity | $19,726,600 | 3,197 |
| Average total loans | $121,813,200 | 3,022 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 369 |
| Cost of funding earning assets | 0.2943% | 4,402 |
| Net interest margin | 5.0135% | 247 |
| Noninterest income to average assets | 0.3006% | 4,783 |
| Noninterest expense to average assets | 3.2825% | 1,734 |
| Loan and lease loss provision to assets | 0.0329% | 3,569 |
| Net operating income to assets | 1.4740% | 959 |
| Return on assets (ROA) | 1.4740% | 997 |
| Pretax return on assets | 1.5783% | 1,448 |
| Return on Equity (ROE) | 10.6138% | 1,855 |
| Retained earnings to average equity (ytd only) | 3.1185% | 4,235 |
| Net charge-offs to loans | 0.0777% | 2,447 |
| Credit loss provision to net charge-offs | 49.2958% | 3,044 |
| Earnings coverage of net charge-offs (x) | 24.1560% | 1,704 |
| Efficiency ratio | 67.0762% | 3,692 |
| Assets per employee ($millions) | 3.6233% | 4,570 |
| Cash dividends to net income (ytd only)* | 70.6183% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,938 |
| Loan loss allowance to noncurrent loans | 23.1630% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 7.2238% | 104 |
| Noncurrent loans to loans | 5.7582% | 151 |
| Net loans and leases to total assets | 84.4923% | 349 |
| Net loans and leases to deposits | 100.2023% | 649 |
| Net loans and leases to core deposits | 104.5051% | 1,198 |
| Total domestic deposits to total assets | 84.3217% | 3,297 |
| Equity capital to assets | 14.0804% | 994 |
| Core capital (leverage) ratio | 14.0237% | 855 |
| Tier 1 risk-based capital ratio | 18.2732% | 1,968 |
| Total risk-based capital ratio | 19.5277% | 1,925 |
| Memoranda: | ||
| Average total assets | $141,922,250 | 3,723 |
| Average earning assets | $130,017,750 | 3,728 |
| Average equity | $19,709,750 | 3,233 |
| Average total loans | $121,880,500 | 3,049 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3113% | 357 |
| Cost of funding earning assets | 0.2968% | 4,430 |
| Net interest margin | 5.0146% | 239 |
| Noninterest income to average assets | 0.3279% | 4,601 |
| Noninterest expense to average assets | 3.3168% | 1,652 |
| Loan and lease loss provision to assets | 0.0493% | 3,133 |
| Net operating income to assets | 1.4480% | 996 |
| Return on assets (ROA) | 1.4480% | 1,036 |
| Pretax return on assets | 1.5507% | 1,480 |
| Return on Equity (ROE) | 10.4747% | 1,858 |
| Retained earnings to average equity (ytd only) | 3.3694% | 3,892 |
| Net charge-offs to loans | 0.0196% | 3,291 |
| Credit loss provision to net charge-offs | 291.6667% | 944 |
| Earnings coverage of net charge-offs (x) | 94.7500% | 618 |
| Efficiency ratio | 67.4585% | 3,753 |
| Assets per employee ($millions) | 3.5090% | 4,768 |
| Cash dividends to net income (ytd only)* | 67.8328% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 2,829 |
| Loan loss allowance to noncurrent loans | 24.4877% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 7.1446% | 123 |
| Noncurrent loans to loans | 5.6589% | 177 |
| Net loans and leases to total assets | 84.8245% | 309 |
| Net loans and leases to deposits | 100.5133% | 617 |
| Net loans and leases to core deposits | 105.2223% | 1,113 |
| Total domestic deposits to total assets | 84.3913% | 3,402 |
| Equity capital to assets | 14.0911% | 957 |
| Core capital (leverage) ratio | 13.9400% | 859 |
| Tier 1 risk-based capital ratio | 18.3922% | 1,952 |
| Total risk-based capital ratio | 19.6457% | 1,917 |
| Memoranda: | ||
| Average total assets | $142,126,330 | 3,752 |
| Average earning assets | $130,061,330 | 3,755 |
| Average equity | $19,647,330 | 3,250 |
| Average total loans | $122,170,670 | 3,049 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3545% | 322 |
| Cost of funding earning assets | 0.3052% | 4,384 |
| Net interest margin | 5.0493% | 228 |
| Noninterest income to average assets | 0.3440% | 4,446 |
| Noninterest expense to average assets | 3.2641% | 1,810 |
| Loan and lease loss provision to assets | 0.0979% | 2,065 |
| Net operating income to assets | 1.4600% | 921 |
| Return on assets (ROA) | 1.4600% | 983 |
| Pretax return on assets | 1.5635% | 1,361 |
| Return on Equity (ROE) | 10.6629% | 1,743 |
| Retained earnings to average equity (ytd only) | 4.7799% | 3,184 |
| Net charge-offs to loans | 0.0553% | 2,212 |
| Credit loss provision to net charge-offs | 205.8824% | 1,029 |
| Earnings coverage of net charge-offs (x) | 34.9412% | 1,051 |
| Efficiency ratio | 66.2692% | 4,105 |
| Assets per employee ($millions) | 3.4721% | 4,945 |
| Cash dividends to net income (ytd only)* | 55.1724% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 3,052 |
| Loan loss allowance to noncurrent loans | 26.0090% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 7.1708% | 125 |
| Noncurrent loans to loans | 5.2774% | 236 |
| Net loans and leases to total assets | 84.2430% | 295 |
| Net loans and leases to deposits | 99.5071% | 589 |
| Net loans and leases to core deposits | 104.0799% | 1,062 |
| Total domestic deposits to total assets | 84.6603% | 3,557 |
| Equity capital to assets | 13.8329% | 1,040 |
| Core capital (leverage) ratio | 13.7579% | 893 |
| Tier 1 risk-based capital ratio | 17.4923% | 2,302 |
| Total risk-based capital ratio | 17.4923% | 2,749 |
| Memoranda: | ||
| Average total assets | $143,010,500 | 3,759 |
| Average earning assets | $129,759,500 | 3,788 |
| Average equity | $19,582,000 | 3,279 |
| Average total loans | $122,890,500 | 3,039 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5435% | 295 |
| Cost of funding earning assets | 0.3723% | 4,006 |
| Net interest margin | 5.1712% | 219 |
| Noninterest income to average assets | 0.5582% | 3,128 |
| Noninterest expense to average assets | 3.3536% | 1,793 |
| Loan and lease loss provision to assets | 0.2927% | 705 |
| Net operating income to assets | 1.4469% | 987 |
| Return on assets (ROA) | 1.4482% | 1,016 |
| Pretax return on assets | 1.5500% | 1,384 |
| Return on Equity (ROE) | 10.6588% | 1,832 |
| Retained earnings to average equity (ytd only) | 1.8107% | 4,903 |
| Net charge-offs to loans | 0.6428% | 604 |
| Credit loss provision to net charge-offs | 54.2636% | 3,397 |
| Earnings coverage of net charge-offs (x) | 3.4134% | 3,895 |
| Efficiency ratio | 64.5559% | 4,492 |
| Assets per employee ($millions) | 3.5916% | 4,733 |
| Cash dividends to net income (ytd only)* | 83.0125% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 3,276 |
| Loan loss allowance to noncurrent loans | 27.1650% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 6.9690% | 149 |
| Noncurrent loans to loans | 4.8910% | 309 |
| Net loans and leases to total assets | 85.2936% | 253 |
| Net loans and leases to deposits | 101.2652% | 556 |
| Net loans and leases to core deposits | 105.5298% | 1,045 |
| Total domestic deposits to total assets | 84.2279% | 3,617 |
| Equity capital to assets | 13.5538% | 1,140 |
| Core capital (leverage) ratio | 13.6794% | 906 |
| Tier 1 risk-based capital ratio | 17.0079% | 2,511 |
| Total risk-based capital ratio | 18.2606% | 2,465 |
| Memoranda: | ||
| Average total assets | $143,485,600 | 3,731 |
| Average earning assets | $128,655,600 | 3,797 |
| Average equity | $19,495,600 | 3,216 |
| Average total loans | $120,406,000 | 3,030 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 329 |
| Cost of funding earning assets | 0.3898% | 3,901 |
| Net interest margin | 5.0831% | 255 |
| Noninterest income to average assets | 0.5735% | 3,044 |
| Noninterest expense to average assets | 3.3528% | 1,787 |
| Loan and lease loss provision to assets | 0.2928% | 678 |
| Net operating income to assets | 1.3879% | 1,158 |
| Return on assets (ROA) | 1.3896% | 1,196 |
| Pretax return on assets | 1.4872% | 1,687 |
| Return on Equity (ROE) | 10.2212% | 2,106 |
| Retained earnings to average equity (ytd only) | 4.3209% | 3,576 |
| Net charge-offs to loans | 0.1473% | 2,317 |
| Credit loss provision to net charge-offs | 238.6364% | 1,098 |
| Earnings coverage of net charge-offs (x) | 14.4920% | 2,139 |
| Efficiency ratio | 65.3442% | 4,319 |
| Assets per employee ($millions) | 3.3369% | 5,175 |
| Cash dividends to net income (ytd only)* | 57.7260% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7776% | 1,743 |
| Loan loss allowance to noncurrent loans | 27.6941% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 7.7853% | 137 |
| Noncurrent loans to loans | 6.4187% | 202 |
| Net loans and leases to total assets | 86.2261% | 188 |
| Net loans and leases to deposits | 101.4933% | 523 |
| Net loans and leases to core deposits | 105.2785% | 1,001 |
| Total domestic deposits to total assets | 84.9574% | 3,353 |
| Equity capital to assets | 14.1093% | 968 |
| Core capital (leverage) ratio | 13.9243% | 866 |
| Tier 1 risk-based capital ratio | 17.8535% | 2,256 |
| Total risk-based capital ratio | 19.1126% | 2,217 |
| Memoranda: | ||
| Average total assets | $143,440,750 | 3,769 |
| Average earning assets | $128,605,250 | 3,819 |
| Average equity | $19,501,500 | 3,223 |
| Average total loans | $119,460,750 | 3,064 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4568% | 334 |
| Cost of funding earning assets | 0.4111% | 3,760 |
| Net interest margin | 5.0457% | 261 |
| Noninterest income to average assets | 0.5341% | 3,242 |
| Noninterest expense to average assets | 3.3472% | 1,809 |
| Loan and lease loss provision to assets | 0.2906% | 680 |
| Net operating income to assets | 1.2884% | 1,347 |
| Return on assets (ROA) | 1.2910% | 1,391 |
| Pretax return on assets | 1.3823% | 1,959 |
| Return on Equity (ROE) | 9.6133% | 2,316 |
| Retained earnings to average equity (ytd only) | 3.6784% | 3,850 |
| Net charge-offs to loans | 0.2181% | 1,724 |
| Credit loss provision to net charge-offs | 162.7907% | 1,383 |
| Earnings coverage of net charge-offs (x) | 9.3566% | 2,369 |
| Efficiency ratio | 66.7126% | 4,244 |
| Assets per employee ($millions) | 3.3251% | 5,213 |
| Cash dividends to net income (ytd only)* | 61.7363% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7232% | 2,065 |
| Loan loss allowance to noncurrent loans | 33.6399% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 6.3072% | 225 |
| Noncurrent loans to loans | 5.1226% | 377 |
| Net loans and leases to total assets | 83.1654% | 364 |
| Net loans and leases to deposits | 96.9807% | 740 |
| Net loans and leases to core deposits | 99.9151% | 1,294 |
| Total domestic deposits to total assets | 85.7546% | 3,175 |
| Equity capital to assets | 13.6852% | 1,091 |
| Core capital (leverage) ratio | 13.6034% | 950 |
| Tier 1 risk-based capital ratio | 18.1947% | 2,169 |
| Total risk-based capital ratio | 19.4538% | 2,131 |
| Memoranda: | ||
| Average total assets | $144,538,000 | 3,770 |
| Average earning assets | $128,426,670 | 3,845 |
| Average equity | $19,410,670 | 3,232 |
| Average total loans | $118,270,330 | 3,094 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5186% | 284 |
| Cost of funding earning assets | 0.4515% | 3,412 |
| Net interest margin | 5.0671% | 235 |
| Noninterest income to average assets | 0.4432% | 3,840 |
| Noninterest expense to average assets | 3.2068% | 2,214 |
| Loan and lease loss provision to assets | 0.2890% | 686 |
| Net operating income to assets | 1.2748% | 1,284 |
| Return on assets (ROA) | 1.2800% | 1,317 |
| Pretax return on assets | 1.3708% | 1,849 |
| Return on Equity (ROE) | 9.6211% | 2,193 |
| Retained earnings to average equity (ytd only) | 3.6622% | 3,939 |
| Net charge-offs to loans | 0.0171% | 3,242 |
| Credit loss provision to net charge-offs | 2,100.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 120.2000% | 397 |
| Efficiency ratio | 65.9683% | 4,534 |
| Assets per employee ($millions) | 3.3597% | 5,236 |
| Cash dividends to net income (ytd only)* | 61.9355% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 2,082 |
| Loan loss allowance to noncurrent loans | 34.8517% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 5.7812% | 309 |
| Noncurrent loans to loans | 5.1235% | 428 |
| Net loans and leases to total assets | 80.1049% | 539 |
| Net loans and leases to deposits | 93.1022% | 865 |
| Net loans and leases to core deposits | 95.8759% | 1,391 |
| Total domestic deposits to total assets | 86.0398% | 3,347 |
| Equity capital to assets | 13.4362% | 1,125 |
| Core capital (leverage) ratio | 13.2880% | 1,044 |
| Tier 1 risk-based capital ratio | 18.4345% | 2,140 |
| Total risk-based capital ratio | 19.6892% | 2,103 |
| Memoranda: | ||
| Average total assets | $145,317,500 | 3,779 |
| Average earning assets | $126,698,500 | 3,909 |
| Average equity | $19,332,500 | 3,247 |
| Average total loans | $116,908,500 | 3,139 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3805% | 455 |
| Cost of funding earning assets | 0.4562% | 4,058 |
| Net interest margin | 4.9243% | 342 |
| Noninterest income to average assets | 0.4678% | 3,978 |
| Noninterest expense to average assets | 3.3283% | 2,056 |
| Loan and lease loss provision to assets | 0.3298% | 981 |
| Net operating income to assets | 1.1444% | 1,778 |
| Return on assets (ROA) | 1.1450% | 1,840 |
| Pretax return on assets | 1.2287% | 2,464 |
| Return on Equity (ROE) | 8.6413% | 2,730 |
| Retained earnings to average equity (ytd only) | 0.2001% | 5,757 |
| Net charge-offs to loans | 0.9445% | 638 |
| Credit loss provision to net charge-offs | 43.6151% | 3,968 |
| Earnings coverage of net charge-offs (x) | 2.0603% | 4,361 |
| Efficiency ratio | 68.1186% | 4,178 |
| Assets per employee ($millions) | 3.2482% | 5,396 |
| Cash dividends to net income (ytd only)* | 97.6841% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 2,312 |
| Loan loss allowance to noncurrent loans | 32.3853% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 5.8160% | 335 |
| Noncurrent loans to loans | 5.3351% | 436 |
| Net loans and leases to total assets | 77.9814% | 830 |
| Net loans and leases to deposits | 90.2814% | 1,214 |
| Net loans and leases to core deposits | 92.9078% | 1,682 |
| Total domestic deposits to total assets | 86.3759% | 3,055 |
| Equity capital to assets | 13.1726% | 1,199 |
| Core capital (leverage) ratio | 12.9104% | 1,170 |
| Tier 1 risk-based capital ratio | 18.3620% | 2,127 |
| Total risk-based capital ratio | 19.6199% | 2,083 |
| Memoranda: | ||
| Average total assets | $147,070,600 | 3,752 |
| Average earning assets | $131,958,800 | 3,802 |
| Average equity | $19,487,800 | 3,210 |
| Average total loans | $117,731,800 | 3,082 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3500% | 489 |
| Cost of funding earning assets | 0.4496% | 4,280 |
| Net interest margin | 4.9004% | 367 |
| Noninterest income to average assets | 0.4300% | 4,298 |
| Noninterest expense to average assets | 3.2487% | 2,207 |
| Loan and lease loss provision to assets | 0.1584% | 2,281 |
| Net operating income to assets | 1.4031% | 1,094 |
| Return on assets (ROA) | 1.4039% | 1,141 |
| Pretax return on assets | 1.5026% | 1,601 |
| Return on Equity (ROE) | 10.5798% | 1,971 |
| Retained earnings to average equity (ytd only) | 3.2810% | 4,344 |
| Net charge-offs to loans | 1.2569% | 426 |
| Credit loss provision to net charge-offs | 15.7092% | 4,136 |
| Earnings coverage of net charge-offs (x) | 1.6463% | 4,291 |
| Efficiency ratio | 66.1811% | 4,448 |
| Assets per employee ($millions) | 3.3750% | 5,120 |
| Cash dividends to net income (ytd only)* | 68.9876% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 3,705 |
| Loan loss allowance to noncurrent loans | 33.6181% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 4.9576% | 562 |
| Noncurrent loans to loans | 4.2982% | 786 |
| Net loans and leases to total assets | 77.7130% | 781 |
| Net loans and leases to deposits | 90.3152% | 1,127 |
| Net loans and leases to core deposits | 93.3606% | 1,636 |
| Total domestic deposits to total assets | 86.0464% | 3,226 |
| Equity capital to assets | 13.2836% | 1,207 |
| Core capital (leverage) ratio | 13.1588% | 1,144 |
| Tier 1 risk-based capital ratio | 18.6216% | 2,109 |
| Total risk-based capital ratio | 19.7038% | 2,129 |
| Memoranda: | ||
| Average total assets | $147,296,500 | 3,794 |
| Average earning assets | $134,626,250 | 3,782 |
| Average equity | $19,546,250 | 3,237 |
| Average total loans | $118,168,000 | 3,095 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3449% | 484 |
| Cost of funding earning assets | 0.4522% | 4,407 |
| Net interest margin | 4.8926% | 375 |
| Noninterest income to average assets | 0.4479% | 4,174 |
| Noninterest expense to average assets | 3.2635% | 2,176 |
| Loan and lease loss provision to assets | 0.0681% | 3,683 |
| Net operating income to assets | 1.4759% | 940 |
| Return on assets (ROA) | 1.4759% | 1,016 |
| Pretax return on assets | 1.5794% | 1,425 |
| Return on Equity (ROE) | 11.1257% | 1,778 |
| Retained earnings to average equity (ytd only) | 3.0996% | 4,343 |
| Net charge-offs to loans | 0.6226% | 1,063 |
| Credit loss provision to net charge-offs | 13.5501% | 3,845 |
| Earnings coverage of net charge-offs (x) | 3.2791% | 3,439 |
| Efficiency ratio | 66.4541% | 4,464 |
| Assets per employee ($millions) | 3.3047% | 5,251 |
| Cash dividends to net income (ytd only)* | 72.1402% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9857% | 1,887 |
| Loan loss allowance to noncurrent loans | 67.2093% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 4.1315% | 828 |
| Noncurrent loans to loans | 2.9545% | 1,513 |
| Net loans and leases to total assets | 76.7406% | 898 |
| Net loans and leases to deposits | 89.0749% | 1,219 |
| Net loans and leases to core deposits | 91.8812% | 1,721 |
| Total domestic deposits to total assets | 86.1529% | 3,287 |
| Equity capital to assets | 13.1652% | 1,275 |
| Core capital (leverage) ratio | 13.1758% | 1,107 |
| Tier 1 risk-based capital ratio | 18.6292% | 2,105 |
| Total risk-based capital ratio | 19.8910% | 2,061 |
| Memoranda: | ||
| Average total assets | $146,895,670 | 3,820 |
| Average earning assets | $133,997,330 | 3,822 |
| Average equity | $19,486,330 | 3,262 |
| Average total loans | $118,525,670 | 3,097 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3858% | 441 |
| Cost of funding earning assets | 0.4558% | 4,531 |
| Net interest margin | 4.9300% | 320 |
| Noninterest income to average assets | 0.3699% | 4,706 |
| Noninterest expense to average assets | 3.3071% | 2,070 |
| Loan and lease loss provision to assets | 0.0685% | 3,487 |
| Net operating income to assets | 1.4275% | 987 |
| Return on assets (ROA) | 1.4275% | 1,068 |
| Pretax return on assets | 1.5289% | 1,492 |
| Return on Equity (ROE) | 10.7199% | 1,783 |
| Retained earnings to average equity (ytd only) | 4.7941% | 3,364 |
| Net charge-offs to loans | 0.2141% | 2,136 |
| Credit loss provision to net charge-offs | 39.0625% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.1094% | 1,882 |
| Efficiency ratio | 67.4302% | 4,428 |
| Assets per employee ($millions) | 3.1729% | 5,687 |
| Cash dividends to net income (ytd only)* | 55.2783% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1745% | 1,639 |
| Loan loss allowance to noncurrent loans | 54.5684% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 5.0303% | 729 |
| Noncurrent loans to loans | 3.9849% | 1,136 |
| Net loans and leases to total assets | 79.8931% | 433 |
| Net loans and leases to deposits | 93.0742% | 722 |
| Net loans and leases to core deposits | 96.0693% | 1,196 |
| Total domestic deposits to total assets | 85.8381% | 3,616 |
| Equity capital to assets | 13.3897% | 1,250 |
| Core capital (leverage) ratio | 13.2152% | 1,041 |
| Tier 1 risk-based capital ratio | 18.1864% | 2,290 |
| Total risk-based capital ratio | 19.4509% | 2,253 |
| Memoranda: | ||
| Average total assets | $145,988,500 | 3,880 |
| Average earning assets | $134,279,000 | 3,860 |
| Average equity | $19,440,500 | 3,322 |
| Average total loans | $119,572,000 | 3,091 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5895% | 522 |
| Cost of funding earning assets | 0.5682% | 4,660 |
| Net interest margin | 5.0213% | 380 |
| Noninterest income to average assets | 0.2049% | 5,948 |
| Noninterest expense to average assets | 3.1520% | 2,759 |
| Loan and lease loss provision to assets | 0.5673% | 996 |
| Net operating income to assets | 0.9210% | 2,703 |
| Return on assets (ROA) | 0.9210% | 2,944 |
| Pretax return on assets | 0.9857% | 3,594 |
| Return on Equity (ROE) | 7.0945% | 3,588 |
| Retained earnings to average equity (ytd only) | 0.9048% | 5,419 |
| Net charge-offs to loans | 0.1096% | 4,576 |
| Credit loss provision to net charge-offs | 639.0977% | 380 |
| Earnings coverage of net charge-offs (x) | 17.4962% | 1,501 |
| Efficiency ratio | 66.9929% | 4,331 |
| Assets per employee ($millions) | 3.1744% | 5,686 |
| Cash dividends to net income (ytd only)* | 87.2464% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1935% | 1,560 |
| Loan loss allowance to noncurrent loans | 53.6829% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 4.8945% | 803 |
| Noncurrent loans to loans | 4.0861% | 1,139 |
| Net loans and leases to total assets | 80.3393% | 439 |
| Net loans and leases to deposits | 93.3582% | 796 |
| Net loans and leases to core deposits | 96.0315% | 1,298 |
| Total domestic deposits to total assets | 86.0548% | 3,329 |
| Equity capital to assets | 13.2432% | 1,334 |
| Core capital (leverage) ratio | 12.8883% | 1,156 |
| Tier 1 risk-based capital ratio | 17.8623% | 2,311 |
| Total risk-based capital ratio | 19.1269% | 2,275 |
| Memoranda: | ||
| Average total assets | $149,839,800 | 3,776 |
| Average earning assets | $134,288,200 | 3,820 |
| Average equity | $19,451,600 | 3,266 |
| Average total loans | $121,374,400 | 3,045 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6092% | 549 |
| Cost of funding earning assets | 0.5975% | 4,679 |
| Net interest margin | 5.0117% | 396 |
| Noninterest income to average assets | 0.4067% | 4,586 |
| Noninterest expense to average assets | 3.1990% | 2,571 |
| Loan and lease loss provision to assets | 0.3095% | 2,132 |
| Net operating income to assets | 1.2662% | 1,525 |
| Return on assets (ROA) | 1.2662% | 1,688 |
| Pretax return on assets | 1.3555% | 2,394 |
| Return on Equity (ROE) | 9.8013% | 2,445 |
| Retained earnings to average equity (ytd only) | 3.8192% | 4,199 |
| Net charge-offs to loans | 0.1314% | 4,067 |
| Credit loss provision to net charge-offs | 291.6667% | 931 |
| Earnings coverage of net charge-offs (x) | 15.6913% | 1,739 |
| Efficiency ratio | 65.7699% | 4,492 |
| Assets per employee ($millions) | 3.1533% | 5,727 |
| Cash dividends to net income (ytd only)* | 61.0332% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7838% | 2,851 |
| Loan loss allowance to noncurrent loans | 35.9129% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 5.8562% | 700 |
| Noncurrent loans to loans | 4.9669% | 915 |
| Net loans and leases to total assets | 79.6549% | 536 |
| Net loans and leases to deposits | 92.9828% | 875 |
| Net loans and leases to core deposits | 95.8696% | 1,422 |
| Total domestic deposits to total assets | 85.6663% | 3,432 |
| Equity capital to assets | 13.3324% | 1,425 |
| Core capital (leverage) ratio | 13.0655% | 1,169 |
| Tier 1 risk-based capital ratio | 17.9711% | 2,365 |
| Total risk-based capital ratio | 19.1391% | 2,360 |
| Memoranda: | ||
| Average total assets | $150,794,250 | 3,806 |
| Average earning assets | $134,110,250 | 3,874 |
| Average equity | $19,480,000 | 3,295 |
| Average total loans | $121,732,000 | 3,080 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 487 |
| Cost of funding earning assets | 0.6282% | 4,649 |
| Net interest margin | 5.0669% | 360 |
| Noninterest income to average assets | 0.3244% | 5,234 |
| Noninterest expense to average assets | 3.2033% | 2,575 |
| Loan and lease loss provision to assets | 0.3297% | 1,995 |
| Net operating income to assets | 1.2067% | 1,689 |
| Return on assets (ROA) | 1.2067% | 1,886 |
| Pretax return on assets | 1.2911% | 2,593 |
| Return on Equity (ROE) | 9.4393% | 2,598 |
| Retained earnings to average equity (ytd only) | 3.3837% | 4,349 |
| Net charge-offs to loans | 0.1456% | 3,752 |
| Credit loss provision to net charge-offs | 280.8989% | 1,048 |
| Earnings coverage of net charge-offs (x) | 13.8090% | 1,757 |
| Efficiency ratio | 66.4024% | 4,461 |
| Assets per employee ($millions) | 3.2537% | 5,548 |
| Cash dividends to net income (ytd only)* | 64.1530% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 3,179 |
| Loan loss allowance to noncurrent loans | 28.5223% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 6.6888% | 604 |
| Noncurrent loans to loans | 6.0005% | 732 |
| Net loans and leases to total assets | 79.6196% | 549 |
| Net loans and leases to deposits | 92.6143% | 876 |
| Net loans and leases to core deposits | 95.6380% | 1,460 |
| Total domestic deposits to total assets | 85.9689% | 3,367 |
| Equity capital to assets | 13.0616% | 1,488 |
| Core capital (leverage) ratio | 12.7897% | 1,222 |
| Tier 1 risk-based capital ratio | 17.3733% | 2,519 |
| Total risk-based capital ratio | 18.6307% | 2,480 |
| Memoranda: | ||
| Average total assets | $151,658,000 | 3,810 |
| Average earning assets | $134,679,000 | 3,874 |
| Average equity | $19,387,000 | 3,297 |
| Average total loans | $122,244,330 | 3,085 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6283% | 594 |
| Cost of funding earning assets | 0.6545% | 4,683 |
| Net interest margin | 4.9738% | 418 |
| Noninterest income to average assets | 0.1703% | 6,356 |
| Noninterest expense to average assets | 3.1391% | 2,793 |
| Loan and lease loss provision to assets | 0.2620% | 2,361 |
| Net operating income to assets | 1.1110% | 2,032 |
| Return on assets (ROA) | 1.1110% | 2,215 |
| Pretax return on assets | 1.1896% | 2,950 |
| Return on Equity (ROE) | 8.7848% | 2,915 |
| Retained earnings to average equity (ytd only) | 2.8178% | 4,844 |
| Net charge-offs to loans | 0.1369% | 3,283 |
| Credit loss provision to net charge-offs | 238.0952% | 1,187 |
| Earnings coverage of net charge-offs (x) | 13.1905% | 1,552 |
| Efficiency ratio | 68.3790% | 4,099 |
| Assets per employee ($millions) | 3.3251% | 5,504 |
| Cash dividends to net income (ytd only)* | 67.9245% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 3,686 |
| Loan loss allowance to noncurrent loans | 34.8164% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 5.2624% | 966 |
| Noncurrent loans to loans | 4.6208% | 1,242 |
| Net loans and leases to total assets | 78.8504% | 506 |
| Net loans and leases to deposits | 91.0343% | 869 |
| Net loans and leases to core deposits | 94.0969% | 1,460 |
| Total domestic deposits to total assets | 86.6162% | 3,166 |
| Equity capital to assets | 12.6575% | 1,620 |
| Core capital (leverage) ratio | 12.5529% | 1,319 |
| Tier 1 risk-based capital ratio | 17.0679% | 2,656 |
| Total risk-based capital ratio | 18.3236% | 2,615 |
| Memoranda: | ||
| Average total assets | $152,653,000 | 3,828 |
| Average earning assets | $135,671,500 | 3,887 |
| Average equity | $19,306,000 | 3,308 |
| Average total loans | $122,746,500 | 3,088 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9230% | 497 |
| Cost of funding earning assets | 0.8878% | 4,203 |
| Net interest margin | 5.0352% | 386 |
| Noninterest income to average assets | 0.3235% | 5,228 |
| Noninterest expense to average assets | 3.3982% | 2,249 |
| Loan and lease loss provision to assets | 0.4249% | 2,467 |
| Net operating income to assets | 0.9073% | 2,571 |
| Return on assets (ROA) | 0.9085% | 2,689 |
| Pretax return on assets | 0.9726% | 3,340 |
| Return on Equity (ROE) | 7.2803% | 3,257 |
| Retained earnings to average equity (ytd only) | 1.5189% | 5,131 |
| Net charge-offs to loans | 0.4096% | 3,378 |
| Credit loss provision to net charge-offs | 127.7014% | 2,428 |
| Earnings coverage of net charge-offs (x) | 4.1965% | 3,227 |
| Efficiency ratio | 70.8793% | 3,802 |
| Assets per employee ($millions) | 3.2416% | 5,630 |
| Cash dividends to net income (ytd only)* | 79.1367% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 3,768 |
| Loan loss allowance to noncurrent loans | 39.9749% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 4.8893% | 1,103 |
| Noncurrent loans to loans | 3.8953% | 1,606 |
| Net loans and leases to total assets | 79.4228% | 552 |
| Net loans and leases to deposits | 91.6585% | 999 |
| Net loans and leases to core deposits | 94.5609% | 1,629 |
| Total domestic deposits to total assets | 86.6507% | 2,949 |
| Equity capital to assets | 12.6364% | 1,717 |
| Core capital (leverage) ratio | 12.2845% | 1,449 |
| Tier 1 risk-based capital ratio | 16.7751% | 2,702 |
| Total risk-based capital ratio | 18.0297% | 2,663 |
| Memoranda: | ||
| Average total assets | $152,991,800 | 3,754 |
| Average earning assets | $135,844,400 | 3,821 |
| Average equity | $19,092,600 | 3,268 |
| Average total loans | $124,272,400 | 3,092 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9350% | 525 |
| Cost of funding earning assets | 0.9354% | 4,158 |
| Net interest margin | 4.9997% | 411 |
| Noninterest income to average assets | 0.2751% | 5,648 |
| Noninterest expense to average assets | 3.4214% | 2,136 |
| Loan and lease loss provision to assets | 0.2829% | 3,257 |
| Net operating income to assets | 0.9525% | 2,519 |
| Return on assets (ROA) | 0.9542% | 2,679 |
| Pretax return on assets | 1.0212% | 3,323 |
| Return on Equity (ROE) | 7.6698% | 3,192 |
| Retained earnings to average equity (ytd only) | 1.6235% | 5,327 |
| Net charge-offs to loans | 0.4933% | 2,775 |
| Credit loss provision to net charge-offs | 70.4989% | 4,469 |
| Earnings coverage of net charge-offs (x) | 3.2451% | 3,526 |
| Efficiency ratio | 72.4290% | 3,467 |
| Assets per employee ($millions) | 3.5843% | 4,798 |
| Cash dividends to net income (ytd only)* | 78.8319% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 4,946 |
| Loan loss allowance to noncurrent loans | 30.3654% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 5.1725% | 1,106 |
| Noncurrent loans to loans | 4.3273% | 1,512 |
| Net loans and leases to total assets | 79.7701% | 537 |
| Net loans and leases to deposits | 92.0687% | 1,006 |
| Net loans and leases to core deposits | 95.0564% | 1,693 |
| Total domestic deposits to total assets | 86.6418% | 2,862 |
| Equity capital to assets | 12.4777% | 1,924 |
| Core capital (leverage) ratio | 12.1978% | 1,595 |
| Tier 1 risk-based capital ratio | 16.6204% | 2,800 |
| Total risk-based capital ratio | 17.8725% | 2,763 |
| Memoranda: | ||
| Average total assets | $153,151,500 | 3,774 |
| Average earning assets | $136,272,000 | 3,831 |
| Average equity | $19,052,750 | 3,279 |
| Average total loans | $124,611,250 | 3,111 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8490% | 654 |
| Cost of funding earning assets | 0.9807% | 4,081 |
| Net interest margin | 4.8683% | 525 |
| Noninterest income to average assets | 0.2212% | 6,093 |
| Noninterest expense to average assets | 3.3633% | 2,362 |
| Loan and lease loss provision to assets | 0.1636% | 4,295 |
| Net operating income to assets | 0.9660% | 2,368 |
| Return on assets (ROA) | 0.9684% | 2,460 |
| Pretax return on assets | 1.0365% | 3,091 |
| Return on Equity (ROE) | 7.7922% | 3,049 |
| Retained earnings to average equity (ytd only) | 1.7269% | 5,131 |
| Net charge-offs to loans | 0.0674% | 4,964 |
| Credit loss provision to net charge-offs | 297.6190% | 1,029 |
| Earnings coverage of net charge-offs (x) | 21.7857% | 1,140 |
| Efficiency ratio | 73.7446% | 3,405 |
| Assets per employee ($millions) | 3.3377% | 5,351 |
| Cash dividends to net income (ytd only)* | 77.8378% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 4,198 |
| Loan loss allowance to noncurrent loans | 29.5824% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 5.2282% | 1,162 |
| Noncurrent loans to loans | 5.0213% | 1,298 |
| Net loans and leases to total assets | 80.1725% | 515 |
| Net loans and leases to deposits | 94.0682% | 867 |
| Net loans and leases to core deposits | 97.1907% | 1,563 |
| Total domestic deposits to total assets | 85.2280% | 3,771 |
| Equity capital to assets | 12.4656% | 1,800 |
| Core capital (leverage) ratio | 12.1964% | 1,508 |
| Tier 1 risk-based capital ratio | 16.3188% | 2,823 |
| Total risk-based capital ratio | 17.5735% | 2,789 |
| Memoranda: | ||
| Average total assets | $152,827,670 | 3,807 |
| Average earning assets | $136,228,670 | 3,854 |
| Average equity | $18,993,330 | 3,266 |
| Average total loans | $124,621,330 | 3,133 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8423% | 677 |
| Cost of funding earning assets | 1.0256% | 4,023 |
| Net interest margin | 4.8167% | 552 |
| Noninterest income to average assets | -0.0157% | 7,330 |
| Noninterest expense to average assets | 3.3448% | 2,421 |
| Loan and lease loss provision to assets | 0.1312% | 4,358 |
| Net operating income to assets | 0.7555% | 3,244 |
| Return on assets (ROA) | 0.7555% | 3,308 |
| Pretax return on assets | 0.8080% | 3,875 |
| Return on Equity (ROE) | 6.0886% | 3,858 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,784 |
| Net charge-offs to loans | 0.0868% | 4,086 |
| Credit loss provision to net charge-offs | 185.1852% | 1,584 |
| Earnings coverage of net charge-offs (x) | 13.2593% | 1,450 |
| Efficiency ratio | 78.0772% | 2,831 |
| Assets per employee ($millions) | 3.3245% | 5,423 |
| Cash dividends to net income (ytd only)* | 100.0000% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 4,453 |
| Loan loss allowance to noncurrent loans | 31.3547% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 5.1587% | 1,217 |
| Noncurrent loans to loans | 4.6144% | 1,500 |
| Net loans and leases to total assets | 79.9975% | 509 |
| Net loans and leases to deposits | 94.4381% | 787 |
| Net loans and leases to core deposits | 97.8000% | 1,544 |
| Total domestic deposits to total assets | 84.7089% | 4,175 |
| Equity capital to assets | 12.3720% | 1,699 |
| Core capital (leverage) ratio | 12.1486% | 1,482 |
| Tier 1 risk-based capital ratio | 16.2004% | 2,809 |
| Total risk-based capital ratio | 17.4543% | 2,771 |
| Memoranda: | ||
| Average total assets | $152,474,500 | 3,836 |
| Average earning assets | $136,110,000 | 3,896 |
| Average equity | $18,920,500 | 3,267 |
| Average total loans | $124,458,000 | 3,170 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9992% | 849 |
| Cost of funding earning assets | 1.2390% | 4,296 |
| Net interest margin | 4.7602% | 716 |
| Noninterest income to average assets | 0.6125% | 3,391 |
| Noninterest expense to average assets | 3.3835% | 2,478 |
| Loan and lease loss provision to assets | 0.4557% | 3,388 |
| Net operating income to assets | 1.0109% | 2,000 |
| Return on assets (ROA) | 1.0115% | 2,101 |
| Pretax return on assets | 1.0883% | 2,618 |
| Return on Equity (ROE) | 7.9937% | 2,698 |
| Retained earnings to average equity (ytd only) | 1.2708% | 4,916 |
| Net charge-offs to loans | 0.2719% | 4,664 |
| Credit loss provision to net charge-offs | 201.4749% | 1,549 |
| Earnings coverage of net charge-offs (x) | 6.8230% | 2,265 |
| Efficiency ratio | 68.6755% | 4,430 |
| Assets per employee ($millions) | 3.2345% | 5,582 |
| Cash dividends to net income (ytd only)* | 84.1029% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 4,421 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 4.5020% | 1,488 |
| Noncurrent loans to loans | 2.8417% | 2,677 |
| Net loans and leases to total assets | 80.9154% | 551 |
| Net loans and leases to deposits | 96.9568% | 787 |
| Net loans and leases to core deposits | 100.4623% | 1,577 |
| Total domestic deposits to total assets | 83.4551% | 4,627 |
| Equity capital to assets | 12.4461% | 1,670 |
| Core capital (leverage) ratio | 12.2001% | 1,429 |
| Tier 1 risk-based capital ratio | 16.0283% | 2,735 |
| Total risk-based capital ratio | 17.2818% | 2,693 |
| Memoranda: | ||
| Average total assets | $149,873,600 | 3,878 |
| Average earning assets | $135,835,800 | 3,897 |
| Average equity | $18,965,000 | 3,287 |
| Average total loans | $124,663,000 | 3,219 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0943% | 770 |
| Cost of funding earning assets | 1.2772% | 4,387 |
| Net interest margin | 4.8171% | 653 |
| Noninterest income to average assets | 0.5482% | 3,806 |
| Noninterest expense to average assets | 3.3472% | 2,439 |
| Loan and lease loss provision to assets | 0.3214% | 4,016 |
| Net operating income to assets | 1.1750% | 1,659 |
| Return on assets (ROA) | 1.1758% | 1,751 |
| Pretax return on assets | 1.2616% | 2,297 |
| Return on Equity (ROE) | 9.2536% | 2,404 |
| Retained earnings to average equity (ytd only) | 3.1829% | 4,198 |
| Net charge-offs to loans | 0.1016% | 5,512 |
| Credit loss provision to net charge-offs | 378.9474% | 824 |
| Earnings coverage of net charge-offs (x) | 18.6532% | 1,244 |
| Efficiency ratio | 67.9044% | 4,480 |
| Assets per employee ($millions) | 3.1309% | 5,854 |
| Cash dividends to net income (ytd only)* | 65.6034% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 4,494 |
| Loan loss allowance to noncurrent loans | 45.7220% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 4.5620% | 1,486 |
| Noncurrent loans to loans | 3.0485% | 2,621 |
| Net loans and leases to total assets | 79.7437% | 791 |
| Net loans and leases to deposits | 96.3422% | 941 |
| Net loans and leases to core deposits | 100.1856% | 1,831 |
| Total domestic deposits to total assets | 82.7713% | 4,691 |
| Equity capital to assets | 12.8217% | 1,667 |
| Core capital (leverage) ratio | 12.4957% | 1,410 |
| Tier 1 risk-based capital ratio | 16.5992% | 2,515 |
| Total risk-based capital ratio | 17.8519% | 2,467 |
| Memoranda: | ||
| Average total assets | $149,336,250 | 3,934 |
| Average earning assets | $135,818,500 | 3,950 |
| Average equity | $18,976,000 | 3,320 |
| Average total loans | $124,633,000 | 3,271 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0943% | 763 |
| Cost of funding earning assets | 1.3113% | 4,470 |
| Net interest margin | 4.7830% | 677 |
| Noninterest income to average assets | 0.5167% | 3,978 |
| Noninterest expense to average assets | 3.3928% | 2,278 |
| Loan and lease loss provision to assets | 0.2818% | 4,152 |
| Net operating income to assets | 1.1342% | 1,741 |
| Return on assets (ROA) | 1.1354% | 1,805 |
| Pretax return on assets | 1.2200% | 2,348 |
| Return on Equity (ROE) | 8.9627% | 2,482 |
| Retained earnings to average equity (ytd only) | 2.8604% | 4,319 |
| Net charge-offs to loans | -0.0064% | 7,141 |
| Credit loss provision to net charge-offs | -5,250.0000% | 7,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3363% | 4,311 |
| Assets per employee ($millions) | 3.0035% | 6,133 |
| Cash dividends to net income (ytd only)* | 68.0851% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 4,893 |
| Loan loss allowance to noncurrent loans | 66.8702% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 3.4846% | 2,013 |
| Noncurrent loans to loans | 1.9505% | 3,790 |
| Net loans and leases to total assets | 82.7859% | 457 |
| Net loans and leases to deposits | 101.1735% | 642 |
| Net loans and leases to core deposits | 105.2854% | 1,511 |
| Total domestic deposits to total assets | 81.8256% | 5,057 |
| Equity capital to assets | 12.6541% | 1,711 |
| Core capital (leverage) ratio | 12.5650% | 1,384 |
| Tier 1 risk-based capital ratio | 15.8806% | 2,723 |
| Total risk-based capital ratio | 17.1325% | 2,690 |
| Memoranda: | ||
| Average total assets | $149,020,330 | 3,970 |
| Average earning assets | $136,357,670 | 3,964 |
| Average equity | $18,878,330 | 3,315 |
| Average total loans | $125,665,330 | 3,291 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9416% | 1,101 |
| Cost of funding earning assets | 1.3480% | 4,512 |
| Net interest margin | 4.5937% | 962 |
| Noninterest income to average assets | 0.4581% | 4,394 |
| Noninterest expense to average assets | 3.3144% | 2,482 |
| Loan and lease loss provision to assets | 0.2829% | 3,764 |
| Net operating income to assets | 1.0132% | 2,134 |
| Return on assets (ROA) | 1.0132% | 2,201 |
| Pretax return on assets | 1.0940% | 2,753 |
| Return on Equity (ROE) | 7.9932% | 2,887 |
| Retained earnings to average equity (ytd only) | 1.8707% | 4,997 |
| Net charge-offs to loans | 0.0127% | 5,404 |
| Credit loss provision to net charge-offs | 2,625.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 127.7500% | 257 |
| Efficiency ratio | 70.6491% | 4,187 |
| Assets per employee ($millions) | 2.9579% | 6,309 |
| Cash dividends to net income (ytd only)* | 76.5957% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 5,375 |
| Loan loss allowance to noncurrent loans | 39.7196% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 3.6749% | 1,901 |
| Noncurrent loans to loans | 3.0808% | 2,599 |
| Net loans and leases to total assets | 83.5047% | 424 |
| Net loans and leases to deposits | 100.4138% | 728 |
| Net loans and leases to core deposits | 105.0500% | 1,653 |
| Total domestic deposits to total assets | 83.1606% | 4,540 |
| Equity capital to assets | 12.7548% | 1,622 |
| Core capital (leverage) ratio | 12.4091% | 1,446 |
| Tier 1 risk-based capital ratio | 15.8488% | 2,705 |
| Total risk-based capital ratio | 17.0994% | 2,650 |
| Memoranda: | ||
| Average total assets | $148,444,000 | 4,035 |
| Average earning assets | $136,797,500 | 4,018 |
| Average equity | $18,816,000 | 3,342 |
| Average total loans | $125,515,500 | 3,359 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3063% | 1,015 |
| Cost of funding earning assets | 1.5904% | 5,072 |
| Net interest margin | 4.7159% | 810 |
| Noninterest income to average assets | 0.6117% | 3,537 |
| Noninterest expense to average assets | 3.7128% | 1,885 |
| Loan and lease loss provision to assets | 0.3361% | 4,788 |
| Net operating income to assets | 0.9062% | 2,159 |
| Return on assets (ROA) | 0.9069% | 2,215 |
| Pretax return on assets | 0.9707% | 2,685 |
| Return on Equity (ROE) | 7.1702% | 2,726 |
| Retained earnings to average equity (ytd only) | -2.2324% | 5,570 |
| Net charge-offs to loans | 0.0338% | 6,789 |
| Credit loss provision to net charge-offs | 1,162.7907% | 261 |
| Earnings coverage of net charge-offs (x) | 45.1860% | 559 |
| Efficiency ratio | 73.9754% | 3,902 |
| Assets per employee ($millions) | 2.9214% | 6,407 |
| Cash dividends to net income (ytd only)* | 131.1342% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 5,727 |
| Loan loss allowance to noncurrent loans | 35.4855% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 3.8459% | 1,732 |
| Noncurrent loans to loans | 3.1960% | 2,391 |
| Net loans and leases to total assets | 83.6097% | 480 |
| Net loans and leases to deposits | 100.9154% | 834 |
| Net loans and leases to core deposits | 144.7978% | 648 |
| Total domestic deposits to total assets | 82.8513% | 4,582 |
| Equity capital to assets | 12.5967% | 1,702 |
| Core capital (leverage) ratio | 12.3328% | 1,515 |
| Tier 1 risk-based capital ratio | 15.8085% | 2,602 |
| Total risk-based capital ratio | 17.0379% | 2,544 |
| Memoranda: | ||
| Average total assets | $148,756,600 | 3,975 |
| Average earning assets | $139,019,400 | 3,925 |
| Average equity | $18,814,000 | 3,370 |
| Average total loans | $127,043,200 | 3,326 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3602% | 1,004 |
| Cost of funding earning assets | 1.6278% | 5,269 |
| Net interest margin | 4.7324% | 789 |
| Noninterest income to average assets | 0.6339% | 3,465 |
| Noninterest expense to average assets | 3.7372% | 1,730 |
| Loan and lease loss provision to assets | 0.1883% | 5,492 |
| Net operating income to assets | 1.0751% | 1,811 |
| Return on assets (ROA) | 1.0760% | 1,863 |
| Pretax return on assets | 1.1513% | 2,409 |
| Return on Equity (ROE) | 8.4989% | 2,449 |
| Retained earnings to average equity (ytd only) | -1.9902% | 5,724 |
| Net charge-offs to loans | 0.0220% | 6,588 |
| Credit loss provision to net charge-offs | 1,000.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 71.0936% | 475 |
| Efficiency ratio | 73.6266% | 3,932 |
| Assets per employee ($millions) | 2.9088% | 6,383 |
| Cash dividends to net income (ytd only)* | 123.4168% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 6,742 |
| Loan loss allowance to noncurrent loans | 51.1004% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 2.2247% | 3,064 |
| Noncurrent loans to loans | 1.7690% | 3,966 |
| Net loans and leases to total assets | 84.1410% | 525 |
| Net loans and leases to deposits | 104.6086% | 728 |
| Net loans and leases to core deposits | 150.1924% | 574 |
| Total domestic deposits to total assets | 80.4341% | 5,278 |
| Equity capital to assets | 12.5329% | 1,932 |
| Core capital (leverage) ratio | 12.2880% | 1,666 |
| Tier 1 risk-based capital ratio | 15.8286% | 2,693 |
| Total risk-based capital ratio | 16.8211% | 2,719 |
| Memoranda: | ||
| Average total assets | $148,698,000 | 3,996 |
| Average earning assets | $139,573,500 | 3,936 |
| Average equity | $18,825,500 | 3,397 |
| Average total loans | $127,304,000 | 3,353 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4143% | 975 |
| Cost of funding earning assets | 1.6438% | 5,538 |
| Net interest margin | 4.7706% | 699 |
| Noninterest income to average assets | 0.6547% | 3,310 |
| Noninterest expense to average assets | 3.8946% | 1,498 |
| Loan and lease loss provision to assets | 0.1623% | 5,443 |
| Net operating income to assets | 1.0214% | 2,032 |
| Return on assets (ROA) | 1.0227% | 2,115 |
| Pretax return on assets | 1.0944% | 2,659 |
| Return on Equity (ROE) | 8.0504% | 2,752 |
| Retained earnings to average equity (ytd only) | -4.6535% | 6,250 |
| Net charge-offs to loans | 0.0189% | 6,252 |
| Credit loss provision to net charge-offs | 1,000.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 77.3333% | 497 |
| Efficiency ratio | 75.6239% | 3,758 |
| Assets per employee ($millions) | 2.7392% | 6,758 |
| Cash dividends to net income (ytd only)* | 157.8042% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8399% | 7,020 |
| Loan loss allowance to noncurrent loans | 412.2137% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 7,016 |
| Noncurrent loans to loans | 0.2038% | 7,002 |
| Net loans and leases to total assets | 84.6339% | 543 |
| Net loans and leases to deposits | 106.5088% | 738 |
| Net loans and leases to core deposits | 151.2401% | 621 |
| Total domestic deposits to total assets | 79.4618% | 5,666 |
| Equity capital to assets | 12.3407% | 2,008 |
| Core capital (leverage) ratio | 12.2631% | 1,712 |
| Tier 1 risk-based capital ratio | 15.8697% | 2,671 |
| Total risk-based capital ratio | 16.8032% | 2,722 |
| Memoranda: | ||
| Average total assets | $147,844,670 | 4,035 |
| Average earning assets | $139,312,670 | 3,960 |
| Average equity | $18,781,670 | 3,428 |
| Average total loans | $126,928,330 | 3,402 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4123% | 1,041 |
| Cost of funding earning assets | 1.6821% | 5,678 |
| Net interest margin | 4.7302% | 719 |
| Noninterest income to average assets | 0.6337% | 3,322 |
| Noninterest expense to average assets | 3.4226% | 2,293 |
| Loan and lease loss provision to assets | 0.1639% | 4,835 |
| Net operating income to assets | 1.4040% | 1,131 |
| Return on assets (ROA) | 1.4040% | 1,218 |
| Pretax return on assets | 1.5023% | 1,666 |
| Return on Equity (ROE) | 10.8918% | 2,004 |
| Retained earnings to average equity (ytd only) | -8.2854% | 6,941 |
| Net charge-offs to loans | 0.0571% | 4,670 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 33.8889% | 971 |
| Efficiency ratio | 67.2571% | 5,090 |
| Assets per employee ($millions) | 2.7101% | 6,866 |
| Cash dividends to net income (ytd only)* | 176.0700% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 7,201 |
| Loan loss allowance to noncurrent loans | 331.3725% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 6,908 |
| Noncurrent loans to loans | 0.2377% | 6,851 |
| Net loans and leases to total assets | 85.6690% | 489 |
| Net loans and leases to deposits | 110.1057% | 604 |
| Net loans and leases to core deposits | 153.3788% | 615 |
| Total domestic deposits to total assets | 77.8062% | 6,078 |
| Equity capital to assets | 12.5477% | 1,948 |
| Core capital (leverage) ratio | 12.6246% | 1,636 |
| Tier 1 risk-based capital ratio | 15.8995% | 2,725 |
| Total risk-based capital ratio | 16.7755% | 2,780 |
| Memoranda: | ||
| Average total assets | $146,439,000 | 4,070 |
| Average earning assets | $137,921,500 | 3,999 |
| Average equity | $18,876,500 | 3,431 |
| Average total loans | $126,099,500 | 3,443 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1353% | 846 |
| Cost of funding earning assets | 2.3559% | 4,906 |
| Net interest margin | 4.7794% | 809 |
| Noninterest income to average assets | 0.6997% | 3,123 |
| Noninterest expense to average assets | 3.4623% | 2,492 |
| Loan and lease loss provision to assets | 0.1171% | 5,878 |
| Net operating income to assets | 1.4860% | 1,055 |
| Return on assets (ROA) | 1.4867% | 1,009 |
| Pretax return on assets | 1.5910% | 1,409 |
| Return on Equity (ROE) | 11.2454% | 1,832 |
| Retained earnings to average equity (ytd only) | 1.9700% | 4,007 |
| Net charge-offs to loans | 0.0914% | 5,427 |
| Credit loss provision to net charge-offs | 151.3761% | 3,463 |
| Earnings coverage of net charge-offs (x) | 22.0734% | 1,495 |
| Efficiency ratio | 66.9732% | 4,912 |
| Assets per employee ($millions) | 2.5683% | 7,065 |
| Cash dividends to net income (ytd only)* | 82.4821% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 7,153 |
| Loan loss allowance to noncurrent loans | 384.1897% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 6,858 |
| Noncurrent loans to loans | 0.2049% | 6,773 |
| Net loans and leases to total assets | 85.1873% | 705 |
| Net loans and leases to deposits | 106.8458% | 1,056 |
| Net loans and leases to core deposits | 147.5688% | 957 |
| Total domestic deposits to total assets | 79.7293% | 5,120 |
| Equity capital to assets | 13.2454% | 1,691 |
| Core capital (leverage) ratio | 13.1161% | 1,516 |
| Tier 1 risk-based capital ratio | 16.8566% | 2,359 |
| Total risk-based capital ratio | 17.7284% | 2,421 |
| Memoranda: | ||
| Average total assets | $140,917,000 | 4,063 |
| Average earning assets | $131,795,600 | 4,017 |
| Average equity | $18,629,800 | 3,454 |
| Average total loans | $119,213,800 | 3,484 |