Home > Peoples Bank & Trust > Performance and Condition Ratios
Peoples Bank & Trust, 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 | 5.9024% | 726 |
| Cost of funding earning assets | 1.1970% | 2,809 |
| Net interest margin | 4.7055% | 474 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 1.8960% | 3,845 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 2.0757% | 416 |
| Return on assets (ROA) | 1.3508% | 1,294 |
| Pretax return on assets | 1.8931% | 781 |
| Return on Equity (ROE) | 16.5700% | 1,007 |
| Retained earnings to average equity (ytd only) | 14.1597% | 388 |
| Net charge-offs to loans | 0.2050% | 524 |
| Credit loss provision to net charge-offs | 148.1793% | 1,484 |
| Earnings coverage of net charge-offs (x) | 23.5042% | 1,789 |
| Efficiency ratio | 38.7272% | 4,386 |
| Assets per employee ($millions) | 8.9018% | 1,019 |
| Cash dividends to net income (ytd only)* | 14.5560% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 3,218 |
| Loan loss allowance to noncurrent loans | 190.0148% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 1,536 |
| Noncurrent loans to loans | 0.5356% | 1,454 |
| Net loans and leases to total assets | 65.9400% | 2,262 |
| Net loans and leases to deposits | 88.0761% | 1,426 |
| Net loans and leases to core deposits | 92.4692% | 1,871 |
| Total domestic deposits to total assets | 74.8700% | 4,041 |
| Equity capital to assets | 9.3301% | 2,470 |
| Core capital (leverage) ratio | 10.0697% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1387% | 1,059 |
| Memoranda: | ||
| Average total assets | $559,441,400 | 1,586 |
| Average earning assets | $520,906,000 | 1,575 |
| Average equity | $45,601,200 | 1,717 |
| Average total loans | $348,254,800 | 1,616 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6865% | 805 |
| Cost of funding earning assets | 1.0111% | 3,002 |
| Net interest margin | 4.6754% | 475 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 1.9568% | 3,693 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 1.9683% | 522 |
| Return on assets (ROA) | 1.6889% | 797 |
| Pretax return on assets | 2.3416% | 456 |
| Return on Equity (ROE) | 21.5200% | 597 |
| Retained earnings to average equity (ytd only) | 18.1605% | 332 |
| Net charge-offs to loans | 0.2789% | 307 |
| Credit loss provision to net charge-offs | 124.4382% | 1,454 |
| Earnings coverage of net charge-offs (x) | 17.0548% | 1,911 |
| Efficiency ratio | 40.2294% | 4,355 |
| Assets per employee ($millions) | 8.2957% | 1,213 |
| Cash dividends to net income (ytd only)* | 15.5940% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 3,069 |
| Loan loss allowance to noncurrent loans | 218.0638% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 1,763 |
| Noncurrent loans to loans | 0.4859% | 1,608 |
| Net loans and leases to total assets | 63.9700% | 2,452 |
| Net loans and leases to deposits | 80.4492% | 2,008 |
| Net loans and leases to core deposits | 80.6288% | 2,554 |
| Total domestic deposits to total assets | 79.5200% | 3,600 |
| Equity capital to assets | 8.4839% | 2,737 |
| Core capital (leverage) ratio | 9.9452% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0373% | 1,092 |
| Memoranda: | ||
| Average total assets | $556,873,250 | 1,591 |
| Average earning assets | $518,360,750 | 1,576 |
| Average equity | $43,712,750 | 1,756 |
| Average total loans | $340,432,750 | 1,641 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3690% | 994 |
| Cost of funding earning assets | 0.7390% | 3,378 |
| Net interest margin | 4.6300% | 502 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 1.9525% | 3,707 |
| Loan and lease loss provision to assets | -0.1700% | 4,600 |
| Net operating income to assets | 2.2375% | 337 |
| Return on assets (ROA) | 1.8228% | 628 |
| Pretax return on assets | 2.5045% | 357 |
| Return on Equity (ROE) | 23.8400% | 441 |
| Retained earnings to average equity (ytd only) | 18.7244% | 301 |
| Net charge-offs to loans | -0.0563% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.5581% | 4,379 |
| Assets per employee ($millions) | 8.4684% | 1,112 |
| Cash dividends to net income (ytd only)* | 21.4467% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 3,588 |
| Loan loss allowance to noncurrent loans | 276.9841% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 2,150 |
| Noncurrent loans to loans | 0.3452% | 1,898 |
| Net loans and leases to total assets | 60.0300% | 2,768 |
| Net loans and leases to deposits | 75.2024% | 2,390 |
| Net loans and leases to core deposits | 75.3688% | 2,799 |
| Total domestic deposits to total assets | 79.8200% | 3,604 |
| Equity capital to assets | 8.5075% | 2,857 |
| Core capital (leverage) ratio | 9.8950% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4646% | 1,041 |
| Memoranda: | ||
| Average total assets | $562,756,667 | 1,572 |
| Average earning assets | $523,410,333 | 1,567 |
| Average equity | $43,034,667 | 1,782 |
| Average total loans | $337,699,667 | 1,638 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2364% | 907 |
| Cost of funding earning assets | 0.6434% | 3,245 |
| Net interest margin | 4.5930% | 510 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.8809% | 3,895 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 2.1881% | 380 |
| Return on assets (ROA) | 1.3958% | 1,399 |
| Pretax return on assets | 1.8836% | 931 |
| Return on Equity (ROE) | 19.2800% | 843 |
| Retained earnings to average equity (ytd only) | 8.6752% | 2,031 |
| Net charge-offs to loans | -0.0935% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 39.9733% | 4,450 |
| Assets per employee ($millions) | 8.7783% | 1,019 |
| Cash dividends to net income (ytd only)* | 55.0000% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 3,320 |
| Loan loss allowance to noncurrent loans | 413.4276% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 2,435 |
| Noncurrent loans to loans | 0.2526% | 2,241 |
| Net loans and leases to total assets | 60.1500% | 2,636 |
| Net loans and leases to deposits | 72.1491% | 2,460 |
| Net loans and leases to core deposits | 77.3432% | 2,436 |
| Total domestic deposits to total assets | 83.3700% | 3,229 |
| Equity capital to assets | 7.8264% | 3,364 |
| Core capital (leverage) ratio | 8.6407% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7855% | 1,422 |
| Memoranda: | ||
| Average total assets | $573,145,000 | 1,573 |
| Average earning assets | $534,033,500 | 1,560 |
| Average equity | $41,497,500 | 1,854 |
| Average total loans | $342,314,000 | 1,644 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 1,321 |
| Cost of funding earning assets | 0.3366% | 2,579 |
| Net interest margin | 3.8289% | 1,103 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 1.6722% | 4,218 |
| Loan and lease loss provision to assets | -0.3500% | 4,679 |
| Net operating income to assets | 2.1693% | 222 |
| Return on assets (ROA) | 1.2002% | 1,704 |
| Pretax return on assets | 1.4954% | 1,471 |
| Return on Equity (ROE) | 16.8200% | 887 |
| Retained earnings to average equity (ytd only) | 16.8245% | 179 |
| Net charge-offs to loans | -0.0798% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.7984% | 4,521 |
| Assets per employee ($millions) | 9.1270% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 3,990 |
| Loan loss allowance to noncurrent loans | 270.5492% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 2,302 |
| Noncurrent loans to loans | 0.3030% | 2,056 |
| Net loans and leases to total assets | 58.2600% | 2,797 |
| Net loans and leases to deposits | 67.1399% | 2,799 |
| Net loans and leases to core deposits | 74.3361% | 2,545 |
| Total domestic deposits to total assets | 86.7700% | 2,467 |
| Equity capital to assets | 6.6939% | 3,817 |
| Core capital (leverage) ratio | 8.5175% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2306% | 1,556 |
| Memoranda: | ||
| Average total assets | $583,304,800 | 1,529 |
| Average earning assets | $546,011,200 | 1,512 |
| Average equity | $41,612,000 | 1,870 |
| Average total loans | $340,926,200 | 1,576 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 1,041 |
| Cost of funding earning assets | 0.2474% | 2,733 |
| Net interest margin | 3.8670% | 856 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.5979% | 4,303 |
| Loan and lease loss provision to assets | -0.5900% | 4,735 |
| Net operating income to assets | 2.3774% | 171 |
| Return on assets (ROA) | 2.3176% | 184 |
| Pretax return on assets | 2.9714% | 142 |
| Return on Equity (ROE) | 31.9800% | 84 |
| Retained earnings to average equity (ytd only) | 31.9837% | 32 |
| Net charge-offs to loans | -0.1070% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.6486% | 4,604 |
| Assets per employee ($millions) | 9.0438% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7504% | 4,183 |
| Loan loss allowance to noncurrent loans | 174.2413% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 2,068 |
| Noncurrent loans to loans | 0.4307% | 1,737 |
| Net loans and leases to total assets | 52.9600% | 3,192 |
| Net loans and leases to deposits | 59.0827% | 3,274 |
| Net loans and leases to core deposits | 63.8527% | 3,132 |
| Total domestic deposits to total assets | 89.6400% | 1,814 |
| Equity capital to assets | 6.2484% | 3,862 |
| Core capital (leverage) ratio | 9.0368% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9591% | 997 |
| Memoranda: | ||
| Average total assets | $580,817,250 | 1,542 |
| Average earning assets | $544,317,250 | 1,522 |
| Average equity | $42,087,000 | 1,880 |
| Average total loans | $339,042,500 | 1,570 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6923% | 1,556 |
| Cost of funding earning assets | 0.1215% | 3,944 |
| Net interest margin | 3.5708% | 1,128 |
| Noninterest income to average assets | 0.4287% | 2,577 |
| Noninterest expense to average assets | 1.6187% | 4,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5799% | 575 |
| Return on assets (ROA) | 1.5078% | 671 |
| Pretax return on assets | 2.0717% | 320 |
| Return on Equity (ROE) | 19.8804% | 314 |
| Retained earnings to average equity (ytd only) | 19.8804% | 78 |
| Net charge-offs to loans | -0.0789% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0369% | 4,568 |
| Assets per employee ($millions) | 8.5401% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 1,859 |
| Loan loss allowance to noncurrent loans | 287.8093% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2879% | 1,857 |
| Noncurrent loans to loans | 0.4779% | 1,686 |
| Net loans and leases to total assets | 58.8895% | 2,450 |
| Net loans and leases to deposits | 66.2271% | 2,526 |
| Net loans and leases to core deposits | 72.1636% | 2,320 |
| Total domestic deposits to total assets | 88.9204% | 2,216 |
| Equity capital to assets | 6.8242% | 3,856 |
| Core capital (leverage) ratio | 8.7735% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0346% | 1,178 |
| Memoranda: | ||
| Average total assets | $578,473,333 | 1,549 |
| Average earning assets | $543,181,000 | 1,543 |
| Average equity | $43,872,333 | 1,862 |
| Average total loans | $347,488,000 | 1,539 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6347% | 1,412 |
| Cost of funding earning assets | 0.1066% | 4,054 |
| Net interest margin | 3.5280% | 1,033 |
| Noninterest income to average assets | 0.4136% | 2,596 |
| Noninterest expense to average assets | 1.5041% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7214% | 388 |
| Return on assets (ROA) | 1.5769% | 534 |
| Pretax return on assets | 2.0508% | 322 |
| Return on Equity (ROE) | 19.7941% | 235 |
| Retained earnings to average equity (ytd only) | 19.7941% | 98 |
| Net charge-offs to loans | -0.1081% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4625% | 4,654 |
| Assets per employee ($millions) | 8.8550% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 2,055 |
| Loan loss allowance to noncurrent loans | 451.8164% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 2,527 |
| Noncurrent loans to loans | 0.3018% | 2,380 |
| Net loans and leases to total assets | 58.4978% | 2,247 |
| Net loans and leases to deposits | 67.7885% | 2,179 |
| Net loans and leases to core deposits | 73.8828% | 1,946 |
| Total domestic deposits to total assets | 86.2946% | 3,165 |
| Equity capital to assets | 7.3757% | 4,001 |
| Core capital (leverage) ratio | 8.3083% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1662% | 1,468 |
| Memoranda: | ||
| Average total assets | $577,346,500 | 1,565 |
| Average earning assets | $543,985,000 | 1,554 |
| Average equity | $45,993,500 | 1,852 |
| Average total loans | $347,854,000 | 1,526 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8646% | 1,718 |
| Cost of funding earning assets | 0.1595% | 3,873 |
| Net interest margin | 3.7050% | 1,198 |
| Noninterest income to average assets | 0.4678% | 2,739 |
| Noninterest expense to average assets | 1.9866% | 3,719 |
| Loan and lease loss provision to assets | 0.2763% | 311 |
| Net operating income to assets | 1.2406% | 1,772 |
| Return on assets (ROA) | 1.1994% | 1,975 |
| Pretax return on assets | 1.6354% | 1,323 |
| Return on Equity (ROE) | 13.6829% | 1,272 |
| Retained earnings to average equity (ytd only) | 13.6829% | 337 |
| Net charge-offs to loans | 0.1203% | 752 |
| Credit loss provision to net charge-offs | 355.8195% | 982 |
| Earnings coverage of net charge-offs (x) | 25.2898% | 1,726 |
| Efficiency ratio | 49.5027% | 4,323 |
| Assets per employee ($millions) | 8.6403% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 2,245 |
| Loan loss allowance to noncurrent loans | 315.5313% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 2,257 |
| Noncurrent loans to loans | 0.4205% | 2,093 |
| Net loans and leases to total assets | 60.4057% | 2,120 |
| Net loans and leases to deposits | 69.7073% | 2,161 |
| Net loans and leases to core deposits | 76.1790% | 1,907 |
| Total domestic deposits to total assets | 86.6561% | 2,640 |
| Equity capital to assets | 8.5717% | 4,004 |
| Core capital (leverage) ratio | 8.2535% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4121% | 1,410 |
| Memoranda: | ||
| Average total assets | $542,120,200 | 1,595 |
| Average earning assets | $509,604,400 | 1,578 |
| Average equity | $47,519,200 | 1,842 |
| Average total loans | $349,996,600 | 1,517 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 1,737 |
| Cost of funding earning assets | 0.1722% | 3,902 |
| Net interest margin | 3.7351% | 1,264 |
| Noninterest income to average assets | 0.4617% | 2,788 |
| Noninterest expense to average assets | 1.8691% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5359% | 1,181 |
| Return on assets (ROA) | 1.4946% | 1,330 |
| Pretax return on assets | 2.0472% | 741 |
| Return on Equity (ROE) | 16.9507% | 769 |
| Retained earnings to average equity (ytd only) | 16.9507% | 243 |
| Net charge-offs to loans | -0.0438% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3050% | 4,484 |
| Assets per employee ($millions) | 8.7411% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 3,534 |
| Loan loss allowance to noncurrent loans | 174.1461% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 1,926 |
| Noncurrent loans to loans | 0.6202% | 1,758 |
| Net loans and leases to total assets | 60.1027% | 2,247 |
| Net loans and leases to deposits | 70.9314% | 2,151 |
| Net loans and leases to core deposits | 77.9390% | 1,894 |
| Total domestic deposits to total assets | 84.7335% | 3,204 |
| Equity capital to assets | 8.9679% | 3,862 |
| Core capital (leverage) ratio | 8.2378% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5293% | 1,786 |
| Memoranda: | ||
| Average total assets | $535,085,000 | 1,624 |
| Average earning assets | $502,396,750 | 1,605 |
| Average equity | $47,178,750 | 1,874 |
| Average total loans | $350,220,250 | 1,548 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 2,254 |
| Cost of funding earning assets | 0.1833% | 3,919 |
| Net interest margin | 3.5476% | 1,723 |
| Noninterest income to average assets | 0.4642% | 2,785 |
| Noninterest expense to average assets | 1.8377% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4346% | 1,466 |
| Return on assets (ROA) | 1.3716% | 1,725 |
| Pretax return on assets | 1.8737% | 1,066 |
| Return on Equity (ROE) | 15.6511% | 1,031 |
| Retained earnings to average equity (ytd only) | 15.6511% | 366 |
| Net charge-offs to loans | -0.0673% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6324% | 4,416 |
| Assets per employee ($millions) | 8.1049% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 3,924 |
| Loan loss allowance to noncurrent loans | 181.4321% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 2,151 |
| Noncurrent loans to loans | 0.5353% | 2,066 |
| Net loans and leases to total assets | 66.9908% | 1,583 |
| Net loans and leases to deposits | 77.7603% | 1,653 |
| Net loans and leases to core deposits | 86.8102% | 1,359 |
| Total domestic deposits to total assets | 86.1504% | 2,686 |
| Equity capital to assets | 8.6165% | 4,116 |
| Core capital (leverage) ratio | 8.1023% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9076% | 1,359 |
| Memoranda: | ||
| Average total assets | $526,970,333 | 1,636 |
| Average earning assets | $494,193,667 | 1,622 |
| Average equity | $46,182,000 | 1,893 |
| Average total loans | $353,659,333 | 1,544 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7123% | 2,332 |
| Cost of funding earning assets | 0.1890% | 4,017 |
| Net interest margin | 3.5233% | 1,767 |
| Noninterest income to average assets | 0.4769% | 2,720 |
| Noninterest expense to average assets | 1.8370% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4145% | 1,534 |
| Return on assets (ROA) | 1.4188% | 1,598 |
| Pretax return on assets | 1.9443% | 1,039 |
| Return on Equity (ROE) | 16.0427% | 1,004 |
| Retained earnings to average equity (ytd only) | 16.0427% | 513 |
| Net charge-offs to loans | -0.0738% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7810% | 4,354 |
| Assets per employee ($millions) | 7.7282% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,785 |
| Loan loss allowance to noncurrent loans | 190.5740% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 2,364 |
| Noncurrent loans to loans | 0.5330% | 2,255 |
| Net loans and leases to total assets | 66.1298% | 1,788 |
| Net loans and leases to deposits | 75.9751% | 1,913 |
| Net loans and leases to core deposits | 85.2386% | 1,572 |
| Total domestic deposits to total assets | 87.0414% | 2,299 |
| Equity capital to assets | 8.4914% | 4,126 |
| Core capital (leverage) ratio | 8.2184% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0741% | 2,641 |
| Memoranda: | ||
| Average total assets | $510,836,500 | 1,660 |
| Average earning assets | $478,306,500 | 1,652 |
| Average equity | $45,179,500 | 1,915 |
| Average total loans | $341,333,000 | 1,590 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0491% | 2,587 |
| Cost of funding earning assets | 0.4432% | 3,321 |
| Net interest margin | 3.6059% | 2,126 |
| Noninterest income to average assets | 0.4591% | 2,824 |
| Noninterest expense to average assets | 2.2671% | 3,497 |
| Loan and lease loss provision to assets | -0.1184% | 4,963 |
| Net operating income to assets | 1.2039% | 1,541 |
| Return on assets (ROA) | 1.2733% | 1,429 |
| Pretax return on assets | 1.7328% | 799 |
| Return on Equity (ROE) | 12.9346% | 1,061 |
| Retained earnings to average equity (ytd only) | 12.9346% | 245 |
| Net charge-offs to loans | -0.3314% | 4,924 |
| Credit loss provision to net charge-offs | 53.4535% | 3,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3981% | 3,671 |
| Assets per employee ($millions) | 7.2900% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 3,510 |
| Loan loss allowance to noncurrent loans | 211.2894% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 2,557 |
| Noncurrent loans to loans | 0.5156% | 2,426 |
| Net loans and leases to total assets | 66.1013% | 2,085 |
| Net loans and leases to deposits | 77.8127% | 2,096 |
| Net loans and leases to core deposits | 88.6181% | 1,632 |
| Total domestic deposits to total assets | 84.9493% | 2,780 |
| Equity capital to assets | 9.2294% | 3,858 |
| Core capital (leverage) ratio | 8.3717% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8797% | 2,679 |
| Memoranda: | ||
| Average total assets | $450,892,600 | 1,698 |
| Average earning assets | $416,955,600 | 1,706 |
| Average equity | $44,384,800 | 1,866 |
| Average total loans | $301,433,000 | 1,675 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5603% | 1,428 |
| Cost of funding earning assets | 0.4977% | 3,236 |
| Net interest margin | 4.0626% | 970 |
| Noninterest income to average assets | 0.4176% | 2,994 |
| Noninterest expense to average assets | 2.3008% | 3,420 |
| Loan and lease loss provision to assets | -0.2675% | 5,018 |
| Net operating income to assets | 1.5474% | 815 |
| Return on assets (ROA) | 1.5984% | 801 |
| Pretax return on assets | 2.1954% | 342 |
| Return on Equity (ROE) | 15.9624% | 551 |
| Retained earnings to average equity (ytd only) | 15.9624% | 159 |
| Net charge-offs to loans | -0.4106% | 4,962 |
| Credit loss provision to net charge-offs | 97.4697% | 2,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8690% | 4,160 |
| Assets per employee ($millions) | 7.0583% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 3,825 |
| Loan loss allowance to noncurrent loans | 46.4280% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.4766% | 584 |
| Noncurrent loans to loans | 2.0807% | 577 |
| Net loans and leases to total assets | 66.4932% | 2,449 |
| Net loans and leases to deposits | 77.7995% | 2,550 |
| Net loans and leases to core deposits | 88.5131% | 2,102 |
| Total domestic deposits to total assets | 85.4674% | 2,260 |
| Equity capital to assets | 9.2695% | 3,886 |
| Core capital (leverage) ratio | 8.5651% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0943% | 2,576 |
| Memoranda: | ||
| Average total assets | $441,508,500 | 1,705 |
| Average earning assets | $407,156,000 | 1,717 |
| Average equity | $44,211,250 | 1,861 |
| Average total loans | $295,187,750 | 1,699 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8149% | 1,134 |
| Cost of funding earning assets | 0.6041% | 2,939 |
| Net interest margin | 4.2109% | 899 |
| Noninterest income to average assets | 0.3648% | 3,298 |
| Noninterest expense to average assets | 2.3443% | 3,416 |
| Loan and lease loss provision to assets | -0.4134% | 5,053 |
| Net operating income to assets | 1.7915% | 509 |
| Return on assets (ROA) | 1.8703% | 473 |
| Pretax return on assets | 2.4036% | 249 |
| Return on Equity (ROE) | 18.1739% | 351 |
| Retained earnings to average equity (ytd only) | 18.1739% | 119 |
| Net charge-offs to loans | -0.6716% | 5,012 |
| Credit loss provision to net charge-offs | 92.1956% | 2,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7182% | 4,210 |
| Assets per employee ($millions) | 6.8757% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 3,333 |
| Loan loss allowance to noncurrent loans | 49.1460% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.4883% | 626 |
| Noncurrent loans to loans | 2.1303% | 604 |
| Net loans and leases to total assets | 64.9350% | 2,766 |
| Net loans and leases to deposits | 76.0778% | 2,850 |
| Net loans and leases to core deposits | 86.9777% | 2,354 |
| Total domestic deposits to total assets | 85.3534% | 2,254 |
| Equity capital to assets | 9.2534% | 3,878 |
| Core capital (leverage) ratio | 8.9316% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9461% | 2,637 |
| Memoranda: | ||
| Average total assets | $428,690,667 | 1,720 |
| Average earning assets | $393,981,333 | 1,735 |
| Average equity | $44,118,333 | 1,853 |
| Average total loans | $286,165,333 | 1,720 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 2,132 |
| Cost of funding earning assets | 0.6680% | 3,070 |
| Net interest margin | 3.8890% | 1,706 |
| Noninterest income to average assets | 0.1880% | 4,425 |
| Noninterest expense to average assets | 2.4783% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9222% | 2,448 |
| Return on assets (ROA) | 1.0371% | 2,149 |
| Pretax return on assets | 1.4102% | 1,530 |
| Return on Equity (ROE) | 9.5400% | 1,896 |
| Retained earnings to average equity (ytd only) | 9.5400% | 835 |
| Net charge-offs to loans | -0.0288% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2672% | 3,195 |
| Assets per employee ($millions) | 5.4918% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 3,054 |
| Loan loss allowance to noncurrent loans | 33.5382% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 2.4534% | 287 |
| Noncurrent loans to loans | 3.3668% | 292 |
| Net loans and leases to total assets | 67.9248% | 2,551 |
| Net loans and leases to deposits | 83.8052% | 2,257 |
| Net loans and leases to core deposits | 87.5743% | 2,557 |
| Total domestic deposits to total assets | 81.0509% | 3,654 |
| Equity capital to assets | 11.4521% | 2,485 |
| Core capital (leverage) ratio | 10.7088% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0838% | 1,876 |
| Memoranda: | ||
| Average total assets | $412,699,500 | 1,731 |
| Average earning assets | $377,267,500 | 1,752 |
| Average equity | $44,863,500 | 1,818 |
| Average total loans | $278,096,500 | 1,723 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0187% | 1,428 |
| Cost of funding earning assets | 0.6980% | 3,165 |
| Net interest margin | 4.3207% | 1,045 |
| Noninterest income to average assets | 0.8245% | 1,372 |
| Noninterest expense to average assets | 2.4611% | 3,547 |
| Loan and lease loss provision to assets | 0.8993% | 110 |
| Net operating income to assets | 1.0469% | 2,665 |
| Return on assets (ROA) | 1.3197% | 1,697 |
| Pretax return on assets | 1.7865% | 971 |
| Return on Equity (ROE) | 13.1409% | 1,130 |
| Retained earnings to average equity (ytd only) | 0.2836% | 4,612 |
| Net charge-offs to loans | 1.5430% | 88 |
| Credit loss provision to net charge-offs | 80.7542% | 2,786 |
| Earnings coverage of net charge-offs (x) | 2.1016% | 3,456 |
| Efficiency ratio | 49.7587% | 4,741 |
| Assets per employee ($millions) | 5.5854% | 1,990 |
| Cash dividends to net income (ytd only)* | 97.8420% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 2,952 |
| Loan loss allowance to noncurrent loans | 30.5396% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 2.9150% | 188 |
| Noncurrent loans to loans | 3.6037% | 224 |
| Net loans and leases to total assets | 65.4141% | 3,024 |
| Net loans and leases to deposits | 74.1894% | 3,334 |
| Net loans and leases to core deposits | 85.2595% | 2,851 |
| Total domestic deposits to total assets | 88.1718% | 1,047 |
| Equity capital to assets | 10.3217% | 3,613 |
| Core capital (leverage) ratio | 9.8846% | 3,634 |
| Tier 1 risk-based capital ratio | 13.1352% | 3,720 |
| Total risk-based capital ratio | 14.1026% | 3,753 |
| Memoranda: | ||
| Average total assets | $414,325,800 | 1,695 |
| Average earning assets | $381,375,000 | 1,703 |
| Average equity | $41,610,400 | 1,866 |
| Average total loans | $299,032,600 | 1,609 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0722% | 1,351 |
| Cost of funding earning assets | 0.6568% | 3,419 |
| Net interest margin | 4.4153% | 919 |
| Noninterest income to average assets | 0.6411% | 2,028 |
| Noninterest expense to average assets | 2.3912% | 3,715 |
| Loan and lease loss provision to assets | 0.8438% | 122 |
| Net operating income to assets | 1.0716% | 2,682 |
| Return on assets (ROA) | 1.4133% | 1,486 |
| Pretax return on assets | 1.9022% | 861 |
| Return on Equity (ROE) | 14.1743% | 948 |
| Retained earnings to average equity (ytd only) | -3.1985% | 5,000 |
| Net charge-offs to loans | 1.4787% | 88 |
| Credit loss provision to net charge-offs | 77.3983% | 2,536 |
| Earnings coverage of net charge-offs (x) | 2.1221% | 3,219 |
| Efficiency ratio | 49.2842% | 4,786 |
| Assets per employee ($millions) | 5.6478% | 1,892 |
| Cash dividends to net income (ytd only)* | 122.5660% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,027 |
| Loan loss allowance to noncurrent loans | 44.0022% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 2.1965% | 367 |
| Noncurrent loans to loans | 2.5004% | 466 |
| Net loans and leases to total assets | 67.3720% | 2,878 |
| Net loans and leases to deposits | 76.6023% | 3,239 |
| Net loans and leases to core deposits | 88.0128% | 2,729 |
| Total domestic deposits to total assets | 87.9503% | 1,055 |
| Equity capital to assets | 10.1458% | 3,875 |
| Core capital (leverage) ratio | 10.0531% | 3,590 |
| Tier 1 risk-based capital ratio | 12.7384% | 4,001 |
| Total risk-based capital ratio | 13.7425% | 4,024 |
| Memoranda: | ||
| Average total assets | $411,783,750 | 1,711 |
| Average earning assets | $378,974,250 | 1,725 |
| Average equity | $41,059,250 | 1,890 |
| Average total loans | $303,598,500 | 1,601 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1499% | 1,108 |
| Cost of funding earning assets | 0.5884% | 3,712 |
| Net interest margin | 4.5615% | 669 |
| Noninterest income to average assets | 0.6355% | 1,991 |
| Noninterest expense to average assets | 2.5376% | 3,360 |
| Loan and lease loss provision to assets | 0.0616% | 2,592 |
| Net operating income to assets | 1.5156% | 1,108 |
| Return on assets (ROA) | 1.5183% | 1,144 |
| Pretax return on assets | 2.2411% | 409 |
| Return on Equity (ROE) | 15.3222% | 695 |
| Retained earnings to average equity (ytd only) | 15.3222% | 154 |
| Net charge-offs to loans | 0.2095% | 791 |
| Credit loss provision to net charge-offs | 38.8199% | 2,550 |
| Earnings coverage of net charge-offs (x) | 14.4938% | 2,034 |
| Efficiency ratio | 50.9472% | 4,732 |
| Assets per employee ($millions) | 4.8678% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,253 |
| Loan loss allowance to noncurrent loans | 51.1357% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.8796% | 521 |
| Noncurrent loans to loans | 2.4439% | 493 |
| Net loans and leases to total assets | 75.7940% | 1,582 |
| Net loans and leases to deposits | 86.8124% | 2,155 |
| Net loans and leases to core deposits | 97.8867% | 1,894 |
| Total domestic deposits to total assets | 87.3079% | 1,436 |
| Equity capital to assets | 10.7545% | 3,304 |
| Core capital (leverage) ratio | 9.8089% | 3,818 |
| Tier 1 risk-based capital ratio | 11.9591% | 4,443 |
| Total risk-based capital ratio | 13.1399% | 4,359 |
| Memoranda: | ||
| Average total assets | $405,967,670 | 1,739 |
| Average earning assets | $373,913,670 | 1,746 |
| Average equity | $40,229,330 | 1,920 |
| Average total loans | $307,331,670 | 1,586 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0788% | 1,143 |
| Cost of funding earning assets | 0.5674% | 3,746 |
| Net interest margin | 4.5115% | 723 |
| Noninterest income to average assets | 0.6032% | 2,027 |
| Noninterest expense to average assets | 2.4468% | 3,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7246% | 697 |
| Return on assets (ROA) | 1.7299% | 716 |
| Pretax return on assets | 2.3186% | 348 |
| Return on Equity (ROE) | 18.2004% | 379 |
| Retained earnings to average equity (ytd only) | 18.2004% | 138 |
| Net charge-offs to loans | 0.0039% | 2,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 793.3333% | 83 |
| Efficiency ratio | 49.8877% | 4,835 |
| Assets per employee ($millions) | 5.0016% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 2,005 |
| Loan loss allowance to noncurrent loans | 48.1760% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 2.0634% | 456 |
| Noncurrent loans to loans | 2.7353% | 436 |
| Net loans and leases to total assets | 74.3944% | 1,731 |
| Net loans and leases to deposits | 84.9602% | 2,263 |
| Net loans and leases to core deposits | 95.8389% | 1,941 |
| Total domestic deposits to total assets | 87.5639% | 1,539 |
| Equity capital to assets | 10.0909% | 3,727 |
| Core capital (leverage) ratio | 9.2019% | 4,472 |
| Tier 1 risk-based capital ratio | 11.4811% | 4,755 |
| Total risk-based capital ratio | 12.7169% | 4,659 |
| Memoranda: | ||
| Average total assets | $411,806,000 | 1,732 |
| Average earning assets | $379,299,000 | 1,736 |
| Average equity | $39,142,000 | 1,965 |
| Average total loans | $309,682,000 | 1,590 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6570% | 1,970 |
| Cost of funding earning assets | 0.5670% | 2,945 |
| Net interest margin | 4.0900% | 1,709 |
| Noninterest income to average assets | 0.6737% | 1,950 |
| Noninterest expense to average assets | 2.5140% | 3,570 |
| Loan and lease loss provision to assets | 0.1679% | 1,200 |
| Net operating income to assets | 1.7160% | 664 |
| Return on assets (ROA) | 1.6564% | 760 |
| Pretax return on assets | 1.6925% | 1,186 |
| Return on Equity (ROE) | 17.4361% | 444 |
| Retained earnings to average equity (ytd only) | -3.7546% | 5,212 |
| Net charge-offs to loans | 0.1419% | 1,338 |
| Credit loss provision to net charge-offs | 158.2766% | 1,753 |
| Earnings coverage of net charge-offs (x) | 18.1134% | 2,158 |
| Efficiency ratio | 55.0675% | 4,507 |
| Assets per employee ($millions) | 5.2282% | 2,233 |
| Cash dividends to net income (ytd only)* | 121.5333% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 2,289 |
| Loan loss allowance to noncurrent loans | 42.0463% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.2352% | 382 |
| Noncurrent loans to loans | 2.9778% | 342 |
| Net loans and leases to total assets | 74.0850% | 1,925 |
| Net loans and leases to deposits | 83.6408% | 2,548 |
| Net loans and leases to core deposits | 92.4089% | 2,374 |
| Total domestic deposits to total assets | 88.5751% | 1,037 |
| Equity capital to assets | 8.9514% | 4,615 |
| Core capital (leverage) ratio | 8.2840% | 5,127 |
| Tier 1 risk-based capital ratio | 10.3294% | 5,237 |
| Total risk-based capital ratio | 11.5009% | 5,176 |
| Memoranda: | ||
| Average total assets | $415,786,000 | 1,648 |
| Average earning assets | $382,395,200 | 1,662 |
| Average equity | $39,498,600 | 1,885 |
| Average total loans | $310,855,200 | 1,552 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 1,937 |
| Cost of funding earning assets | 0.5474% | 2,873 |
| Net interest margin | 4.0668% | 1,733 |
| Noninterest income to average assets | 0.6707% | 1,974 |
| Noninterest expense to average assets | 2.4065% | 3,842 |
| Loan and lease loss provision to assets | 0.0048% | 3,874 |
| Net operating income to assets | 1.9642% | 418 |
| Return on assets (ROA) | 1.9642% | 413 |
| Pretax return on assets | 2.0006% | 620 |
| Return on Equity (ROE) | 20.3757% | 246 |
| Retained earnings to average equity (ytd only) | 9.1134% | 1,176 |
| Net charge-offs to loans | 0.0017% | 3,435 |
| Credit loss provision to net charge-offs | 375.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 1,557.1839% | 45 |
| Efficiency ratio | 52.9098% | 4,718 |
| Assets per employee ($millions) | 5.0974% | 2,339 |
| Cash dividends to net income (ytd only)* | 55.2731% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,620 |
| Loan loss allowance to noncurrent loans | 31.7536% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 2.7448% | 293 |
| Noncurrent loans to loans | 3.7809% | 237 |
| Net loans and leases to total assets | 71.7266% | 2,370 |
| Net loans and leases to deposits | 81.6456% | 2,861 |
| Net loans and leases to core deposits | 90.0833% | 2,658 |
| Total domestic deposits to total assets | 87.8513% | 1,308 |
| Equity capital to assets | 9.6052% | 3,989 |
| Core capital (leverage) ratio | 9.5623% | 4,098 |
| Tier 1 risk-based capital ratio | 11.6097% | 4,727 |
| Total risk-based capital ratio | 12.7147% | 4,691 |
| Memoranda: | ||
| Average total assets | $413,860,500 | 1,661 |
| Average earning assets | $380,731,250 | 1,678 |
| Average equity | $39,896,250 | 1,861 |
| Average total loans | $309,139,250 | 1,555 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 1,834 |
| Cost of funding earning assets | 0.5210% | 2,828 |
| Net interest margin | 4.0613% | 1,667 |
| Noninterest income to average assets | 0.6649% | 2,030 |
| Noninterest expense to average assets | 2.3824% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9732% | 397 |
| Return on assets (ROA) | 1.9732% | 396 |
| Pretax return on assets | 2.0098% | 593 |
| Return on Equity (ROE) | 20.4429% | 234 |
| Retained earnings to average equity (ytd only) | 5.0195% | 3,065 |
| Net charge-offs to loans | 0.0045% | 3,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 587.2857% | 148 |
| Efficiency ratio | 52.5824% | 4,826 |
| Assets per employee ($millions) | 4.9305% | 2,508 |
| Cash dividends to net income (ytd only)* | 75.4460% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,689 |
| Loan loss allowance to noncurrent loans | 47.8793% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.8730% | 595 |
| Noncurrent loans to loans | 2.5136% | 514 |
| Net loans and leases to total assets | 73.6171% | 2,008 |
| Net loans and leases to deposits | 85.9509% | 2,316 |
| Net loans and leases to core deposits | 94.6135% | 2,168 |
| Total domestic deposits to total assets | 85.6502% | 2,432 |
| Equity capital to assets | 9.6461% | 3,969 |
| Core capital (leverage) ratio | 9.2126% | 4,450 |
| Tier 1 risk-based capital ratio | 10.9828% | 5,062 |
| Total risk-based capital ratio | 12.0735% | 5,033 |
| Memoranda: | ||
| Average total assets | $409,086,000 | 1,684 |
| Average earning assets | $375,448,330 | 1,706 |
| Average equity | $39,485,670 | 1,887 |
| Average total loans | $308,567,670 | 1,564 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 1,040 |
| Cost of funding earning assets | 0.4774% | 2,985 |
| Net interest margin | 4.3404% | 878 |
| Noninterest income to average assets | 0.6444% | 2,059 |
| Noninterest expense to average assets | 2.3338% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.2541% | 221 |
| Return on assets (ROA) | 2.2541% | 219 |
| Pretax return on assets | 2.2915% | 325 |
| Return on Equity (ROE) | 23.3457% | 122 |
| Retained earnings to average equity (ytd only) | -2.7412% | 5,063 |
| Net charge-offs to loans | -0.0194% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8619% | 5,149 |
| Assets per employee ($millions) | 5.0173% | 2,475 |
| Cash dividends to net income (ytd only)* | 111.7416% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 2,712 |
| Loan loss allowance to noncurrent loans | 347.8585% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 3,796 |
| Noncurrent loans to loans | 0.3498% | 3,518 |
| Net loans and leases to total assets | 75.5644% | 1,615 |
| Net loans and leases to deposits | 88.1395% | 1,912 |
| Net loans and leases to core deposits | 99.4091% | 1,728 |
| Total domestic deposits to total assets | 85.7328% | 2,661 |
| Equity capital to assets | 9.6502% | 3,942 |
| Core capital (leverage) ratio | 8.9826% | 4,693 |
| Tier 1 risk-based capital ratio | 10.8278% | 5,236 |
| Total risk-based capital ratio | 11.9495% | 5,178 |
| Memoranda: | ||
| Average total assets | $406,550,000 | 1,708 |
| Average earning assets | $372,868,000 | 1,728 |
| Average equity | $39,253,500 | 1,903 |
| Average total loans | $308,549,000 | 1,567 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5432% | 1,579 |
| Cost of funding earning assets | 0.4002% | 3,254 |
| Net interest margin | 4.1430% | 1,315 |
| Noninterest income to average assets | 0.6578% | 2,151 |
| Noninterest expense to average assets | 2.5006% | 3,780 |
| Loan and lease loss provision to assets | 0.2533% | 728 |
| Net operating income to assets | 1.6784% | 550 |
| Return on assets (ROA) | 1.6334% | 624 |
| Pretax return on assets | 1.6713% | 1,091 |
| Return on Equity (ROE) | 17.3082% | 368 |
| Retained earnings to average equity (ytd only) | 9.7714% | 387 |
| Net charge-offs to loans | 0.1755% | 1,418 |
| Credit loss provision to net charge-offs | 191.8715% | 1,421 |
| Earnings coverage of net charge-offs (x) | 14.9263% | 2,284 |
| Efficiency ratio | 54.2643% | 4,932 |
| Assets per employee ($millions) | 5.0829% | 2,382 |
| Cash dividends to net income (ytd only)* | 43.5447% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,773 |
| Loan loss allowance to noncurrent loans | 767.2165% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 4,466 |
| Noncurrent loans to loans | 0.1564% | 4,307 |
| Net loans and leases to total assets | 74.4051% | 1,853 |
| Net loans and leases to deposits | 89.8500% | 1,792 |
| Net loans and leases to core deposits | 98.6815% | 1,810 |
| Total domestic deposits to total assets | 82.8103% | 3,623 |
| Equity capital to assets | 9.6603% | 4,075 |
| Core capital (leverage) ratio | 9.2778% | 4,318 |
| Tier 1 risk-based capital ratio | 10.8618% | 5,224 |
| Total risk-based capital ratio | 11.9694% | 5,182 |
| Memoranda: | ||
| Average total assets | $400,703,400 | 1,699 |
| Average earning assets | $368,811,000 | 1,709 |
| Average equity | $37,814,400 | 1,939 |
| Average total loans | $301,347,200 | 1,562 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 1,524 |
| Cost of funding earning assets | 0.3822% | 3,357 |
| Net interest margin | 4.1602% | 1,249 |
| Noninterest income to average assets | 0.6798% | 2,082 |
| Noninterest expense to average assets | 2.4150% | 3,982 |
| Loan and lease loss provision to assets | 0.0841% | 2,410 |
| Net operating income to assets | 1.9790% | 330 |
| Return on assets (ROA) | 1.9891% | 328 |
| Pretax return on assets | 2.0277% | 521 |
| Return on Equity (ROE) | 21.2079% | 165 |
| Retained earnings to average equity (ytd only) | 11.0273% | 414 |
| Net charge-offs to loans | 0.0669% | 2,169 |
| Credit loss provision to net charge-offs | 167.3333% | 1,549 |
| Earnings coverage of net charge-offs (x) | 41.8123% | 1,257 |
| Efficiency ratio | 51.8101% | 5,116 |
| Assets per employee ($millions) | 4.9385% | 2,524 |
| Cash dividends to net income (ytd only)* | 48.0041% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,480 |
| Loan loss allowance to noncurrent loans | 303.8251% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 3,961 |
| Noncurrent loans to loans | 0.3621% | 3,656 |
| Net loans and leases to total assets | 74.9707% | 1,765 |
| Net loans and leases to deposits | 87.8472% | 2,087 |
| Net loans and leases to core deposits | 94.9260% | 2,177 |
| Total domestic deposits to total assets | 85.3422% | 2,580 |
| Equity capital to assets | 9.8615% | 4,075 |
| Core capital (leverage) ratio | 8.9997% | 4,739 |
| Tier 1 risk-based capital ratio | 11.0497% | 5,216 |
| Total risk-based capital ratio | 12.0786% | 5,243 |
| Memoranda: | ||
| Average total assets | $397,949,750 | 1,721 |
| Average earning assets | $366,993,250 | 1,734 |
| Average equity | $37,324,750 | 1,971 |
| Average total loans | $299,169,000 | 1,580 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4566% | 1,640 |
| Cost of funding earning assets | 0.3588% | 3,494 |
| Net interest margin | 4.0978% | 1,330 |
| Noninterest income to average assets | 0.6681% | 2,134 |
| Noninterest expense to average assets | 2.3516% | 4,207 |
| Loan and lease loss provision to assets | 0.1022% | 1,981 |
| Net operating income to assets | 1.9534% | 334 |
| Return on assets (ROA) | 1.9564% | 340 |
| Pretax return on assets | 1.9952% | 536 |
| Return on Equity (ROE) | 21.2251% | 170 |
| Retained earnings to average equity (ytd only) | 9.3454% | 744 |
| Net charge-offs to loans | 0.0645% | 2,014 |
| Credit loss provision to net charge-offs | 211.4583% | 1,223 |
| Earnings coverage of net charge-offs (x) | 43.3333% | 1,193 |
| Efficiency ratio | 51.2060% | 5,230 |
| Assets per employee ($millions) | 4.8897% | 2,525 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,578 |
| Loan loss allowance to noncurrent loans | 345.9627% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 4,165 |
| Noncurrent loans to loans | 0.3183% | 3,895 |
| Net loans and leases to total assets | 74.8662% | 1,718 |
| Net loans and leases to deposits | 87.9610% | 1,989 |
| Net loans and leases to core deposits | 98.5240% | 1,764 |
| Total domestic deposits to total assets | 85.1129% | 2,766 |
| Equity capital to assets | 9.4958% | 4,405 |
| Core capital (leverage) ratio | 8.7830% | 4,967 |
| Tier 1 risk-based capital ratio | 10.6519% | 5,400 |
| Total risk-based capital ratio | 11.6871% | 5,411 |
| Memoranda: | ||
| Average total assets | $397,260,000 | 1,732 |
| Average earning assets | $366,242,670 | 1,740 |
| Average equity | $36,617,000 | 1,999 |
| Average total loans | $297,814,330 | 1,587 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3499% | 1,817 |
| Cost of funding earning assets | 0.3283% | 3,767 |
| Net interest margin | 4.0216% | 1,413 |
| Noninterest income to average assets | 0.6272% | 2,286 |
| Noninterest expense to average assets | 2.1689% | 4,724 |
| Loan and lease loss provision to assets | 0.1012% | 1,872 |
| Net operating income to assets | 2.0173% | 296 |
| Return on assets (ROA) | 2.0232% | 301 |
| Pretax return on assets | 2.0687% | 442 |
| Return on Equity (ROE) | 22.2913% | 142 |
| Retained earnings to average equity (ytd only) | 11.1456% | 582 |
| Net charge-offs to loans | 0.1112% | 1,279 |
| Credit loss provision to net charge-offs | 121.9512% | 1,381 |
| Earnings coverage of net charge-offs (x) | 26.0854% | 1,321 |
| Efficiency ratio | 48.3073% | 5,454 |
| Assets per employee ($millions) | 4.7813% | 2,727 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,718 |
| Loan loss allowance to noncurrent loans | 446.8407% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 4,507 |
| Noncurrent loans to loans | 0.2461% | 4,223 |
| Net loans and leases to total assets | 74.6076% | 1,648 |
| Net loans and leases to deposits | 89.5882% | 1,588 |
| Net loans and leases to core deposits | 93.5694% | 2,016 |
| Total domestic deposits to total assets | 83.2783% | 3,741 |
| Equity capital to assets | 9.3321% | 4,465 |
| Core capital (leverage) ratio | 8.7390% | 5,009 |
| Tier 1 risk-based capital ratio | 10.7087% | 5,453 |
| Total risk-based capital ratio | 11.7449% | 5,468 |
| Memoranda: | ||
| Average total assets | $395,411,000 | 1,754 |
| Average earning assets | $364,331,500 | 1,755 |
| Average equity | $35,888,500 | 2,036 |
| Average total loans | $294,959,500 | 1,608 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3664% | 1,925 |
| Cost of funding earning assets | 0.3514% | 3,501 |
| Net interest margin | 4.0149% | 1,591 |
| Noninterest income to average assets | 0.6302% | 2,506 |
| Noninterest expense to average assets | 2.6633% | 3,478 |
| Loan and lease loss provision to assets | 0.2144% | 1,043 |
| Net operating income to assets | 1.4318% | 954 |
| Return on assets (ROA) | 1.5372% | 796 |
| Pretax return on assets | 1.5584% | 1,408 |
| Return on Equity (ROE) | 16.2904% | 481 |
| Retained earnings to average equity (ytd only) | -15.2670% | 5,835 |
| Net charge-offs to loans | 0.1109% | 2,160 |
| Credit loss provision to net charge-offs | 260.1227% | 1,108 |
| Earnings coverage of net charge-offs (x) | 20.2209% | 1,865 |
| Efficiency ratio | 59.7735% | 4,618 |
| Assets per employee ($millions) | 4.9229% | 2,480 |
| Cash dividends to net income (ytd only)* | 193.7181% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,720 |
| Loan loss allowance to noncurrent loans | 265.3815% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 4,046 |
| Noncurrent loans to loans | 0.4144% | 3,661 |
| Net loans and leases to total assets | 72.9569% | 2,019 |
| Net loans and leases to deposits | 84.5133% | 2,360 |
| Net loans and leases to core deposits | 92.3113% | 2,268 |
| Total domestic deposits to total assets | 86.3260% | 2,445 |
| Equity capital to assets | 8.8247% | 4,989 |
| Core capital (leverage) ratio | 8.2533% | 5,472 |
| Tier 1 risk-based capital ratio | 10.4633% | 5,586 |
| Total risk-based capital ratio | 11.4937% | 5,622 |
| Memoranda: | ||
| Average total assets | $395,593,400 | 1,706 |
| Average earning assets | $364,514,800 | 1,705 |
| Average equity | $37,328,800 | 1,960 |
| Average total loans | $293,987,600 | 1,546 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4158% | 1,813 |
| Cost of funding earning assets | 0.3374% | 3,682 |
| Net interest margin | 4.0784% | 1,450 |
| Noninterest income to average assets | 0.6045% | 2,639 |
| Noninterest expense to average assets | 2.5295% | 3,897 |
| Loan and lease loss provision to assets | 0.1469% | 1,599 |
| Net operating income to assets | 1.6680% | 636 |
| Return on assets (ROA) | 1.8088% | 509 |
| Pretax return on assets | 1.8301% | 843 |
| Return on Equity (ROE) | 18.8601% | 304 |
| Retained earnings to average equity (ytd only) | -22.6209% | 5,925 |
| Net charge-offs to loans | 0.0014% | 3,901 |
| Credit loss provision to net charge-offs | 14,500.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,810.9550% | 35 |
| Efficiency ratio | 56.2253% | 5,042 |
| Assets per employee ($millions) | 4.9567% | 2,408 |
| Cash dividends to net income (ytd only)* | 219.9403% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 4,110 |
| Loan loss allowance to noncurrent loans | 317.0363% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 4,408 |
| Noncurrent loans to loans | 0.3317% | 4,068 |
| Net loans and leases to total assets | 72.8033% | 2,045 |
| Net loans and leases to deposits | 87.3031% | 2,105 |
| Net loans and leases to core deposits | 95.2232% | 2,075 |
| Total domestic deposits to total assets | 83.3914% | 3,454 |
| Equity capital to assets | 9.0157% | 5,160 |
| Core capital (leverage) ratio | 8.1671% | 5,595 |
| Tier 1 risk-based capital ratio | 10.1085% | 5,760 |
| Total risk-based capital ratio | 11.0995% | 5,797 |
| Memoranda: | ||
| Average total assets | $394,802,750 | 1,708 |
| Average earning assets | $363,955,000 | 1,711 |
| Average equity | $37,863,750 | 1,942 |
| Average total loans | $293,945,750 | 1,547 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4759% | 1,588 |
| Cost of funding earning assets | 0.3264% | 3,833 |
| Net interest margin | 4.1496% | 1,233 |
| Noninterest income to average assets | 0.5643% | 2,828 |
| Noninterest expense to average assets | 2.4951% | 4,044 |
| Loan and lease loss provision to assets | 0.0153% | 3,804 |
| Net operating income to assets | 1.8574% | 435 |
| Return on assets (ROA) | 1.8822% | 433 |
| Pretax return on assets | 1.9037% | 690 |
| Return on Equity (ROE) | 19.2264% | 282 |
| Retained earnings to average equity (ytd only) | -38.9127% | 6,023 |
| Net charge-offs to loans | -0.0109% | 4,727 |
| Credit loss provision to net charge-offs | -187.5000% | 4,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1113% | 5,231 |
| Assets per employee ($millions) | 4.7566% | 2,617 |
| Cash dividends to net income (ytd only)* | 302.3920% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 4,803 |
| Loan loss allowance to noncurrent loans | 228.9627% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 4,138 |
| Noncurrent loans to loans | 0.4107% | 3,884 |
| Net loans and leases to total assets | 74.5060% | 1,725 |
| Net loans and leases to deposits | 89.0326% | 1,863 |
| Net loans and leases to core deposits | 101.2272% | 1,538 |
| Total domestic deposits to total assets | 83.6839% | 3,390 |
| Equity capital to assets | 9.1582% | 5,105 |
| Core capital (leverage) ratio | 8.1849% | 5,608 |
| Tier 1 risk-based capital ratio | 10.0457% | 5,841 |
| Total risk-based capital ratio | 10.9393% | 5,888 |
| Memoranda: | ||
| Average total assets | $390,921,670 | 1,727 |
| Average earning assets | $360,327,000 | 1,725 |
| Average equity | $38,270,330 | 1,926 |
| Average total loans | $292,244,000 | 1,555 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3978% | 1,804 |
| Cost of funding earning assets | 0.3197% | 3,951 |
| Net interest margin | 4.0781% | 1,400 |
| Noninterest income to average assets | 0.6132% | 2,453 |
| Noninterest expense to average assets | 2.5327% | 3,972 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8145% | 459 |
| Return on assets (ROA) | 1.8500% | 469 |
| Pretax return on assets | 1.8714% | 734 |
| Return on Equity (ROE) | 18.3083% | 334 |
| Retained earnings to average equity (ytd only) | -62.6122% | 6,089 |
| Net charge-offs to loans | -0.0192% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2237% | 5,174 |
| Assets per employee ($millions) | 4.6208% | 2,857 |
| Cash dividends to net income (ytd only)* | 441.9890% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 4,832 |
| Loan loss allowance to noncurrent loans | 157.0853% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 3,326 |
| Noncurrent loans to loans | 0.6064% | 3,359 |
| Net loans and leases to total assets | 74.8314% | 1,589 |
| Net loans and leases to deposits | 90.5523% | 1,510 |
| Net loans and leases to core deposits | 99.3010% | 1,538 |
| Total domestic deposits to total assets | 82.6388% | 4,023 |
| Equity capital to assets | 9.6720% | 4,477 |
| Core capital (leverage) ratio | 8.4711% | 5,419 |
| Tier 1 risk-based capital ratio | 10.6857% | 5,668 |
| Total risk-based capital ratio | 11.5900% | 5,740 |
| Memoranda: | ||
| Average total assets | $391,360,000 | 1,726 |
| Average earning assets | $360,365,000 | 1,725 |
| Average equity | $39,545,000 | 1,866 |
| Average total loans | $291,683,000 | 1,555 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 2,296 |
| Cost of funding earning assets | 0.2967% | 4,283 |
| Net interest margin | 3.9776% | 1,793 |
| Noninterest income to average assets | 0.5885% | 2,782 |
| Noninterest expense to average assets | 2.8176% | 3,159 |
| Loan and lease loss provision to assets | 0.2133% | 978 |
| Net operating income to assets | 1.2011% | 1,544 |
| Return on assets (ROA) | 1.2158% | 1,561 |
| Pretax return on assets | 1.2316% | 2,536 |
| Return on Equity (ROE) | 11.3022% | 1,506 |
| Retained earnings to average equity (ytd only) | 6.6831% | 1,449 |
| Net charge-offs to loans | 0.1299% | 2,072 |
| Credit loss provision to net charge-offs | 224.4444% | 1,266 |
| Earnings coverage of net charge-offs (x) | 15.0472% | 2,236 |
| Efficiency ratio | 64.4788% | 4,172 |
| Assets per employee ($millions) | 4.8073% | 2,593 |
| Cash dividends to net income (ytd only)* | 40.8686% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 5,038 |
| Loan loss allowance to noncurrent loans | 278.5421% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 4,135 |
| Noncurrent loans to loans | 0.3278% | 4,286 |
| Net loans and leases to total assets | 72.9013% | 1,907 |
| Net loans and leases to deposits | 87.4781% | 1,935 |
| Net loans and leases to core deposits | 99.5977% | 1,543 |
| Total domestic deposits to total assets | 83.3366% | 3,731 |
| Equity capital to assets | 10.5103% | 3,347 |
| Core capital (leverage) ratio | 10.0282% | 3,470 |
| Tier 1 risk-based capital ratio | 12.3589% | 4,726 |
| Total risk-based capital ratio | 13.2248% | 4,870 |
| Memoranda: | ||
| Average total assets | $378,768,200 | 1,737 |
| Average earning assets | $348,448,200 | 1,741 |
| Average equity | $40,744,400 | 1,766 |
| Average total loans | $277,113,200 | 1,583 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 2,314 |
| Cost of funding earning assets | 0.2969% | 4,374 |
| Net interest margin | 3.9797% | 1,769 |
| Noninterest income to average assets | 0.5895% | 2,806 |
| Noninterest expense to average assets | 2.9228% | 2,772 |
| Loan and lease loss provision to assets | 0.2012% | 1,000 |
| Net operating income to assets | 1.1098% | 1,960 |
| Return on assets (ROA) | 1.1303% | 1,967 |
| Pretax return on assets | 1.1464% | 3,034 |
| Return on Equity (ROE) | 10.4429% | 1,920 |
| Retained earnings to average equity (ytd only) | 4.6494% | 3,171 |
| Net charge-offs to loans | 0.1431% | 1,692 |
| Credit loss provision to net charge-offs | 192.4658% | 1,378 |
| Earnings coverage of net charge-offs (x) | 12.6953% | 2,383 |
| Efficiency ratio | 66.8913% | 3,737 |
| Assets per employee ($millions) | 4.4691% | 3,065 |
| Cash dividends to net income (ytd only)* | 55.4781% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 5,211 |
| Loan loss allowance to noncurrent loans | 200.5538% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 3,740 |
| Noncurrent loans to loans | 0.4480% | 4,005 |
| Net loans and leases to total assets | 72.7436% | 1,944 |
| Net loans and leases to deposits | 88.4221% | 1,843 |
| Net loans and leases to core deposits | 93.4539% | 2,131 |
| Total domestic deposits to total assets | 82.2686% | 4,079 |
| Equity capital to assets | 10.6313% | 3,432 |
| Core capital (leverage) ratio | 9.8533% | 3,830 |
| Tier 1 risk-based capital ratio | 12.6225% | 4,667 |
| Total risk-based capital ratio | 13.4785% | 4,840 |
| Memoranda: | ||
| Average total assets | $372,507,250 | 1,776 |
| Average earning assets | $342,598,500 | 1,779 |
| Average equity | $40,320,000 | 1,801 |
| Average total loans | $272,117,250 | 1,616 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 2,226 |
| Cost of funding earning assets | 0.3004% | 4,393 |
| Net interest margin | 3.9818% | 1,693 |
| Noninterest income to average assets | 0.5801% | 2,855 |
| Noninterest expense to average assets | 2.8316% | 3,126 |
| Loan and lease loss provision to assets | 0.1031% | 2,111 |
| Net operating income to assets | 1.2834% | 1,366 |
| Return on assets (ROA) | 1.2904% | 1,412 |
| Pretax return on assets | 1.3067% | 2,334 |
| Return on Equity (ROE) | 11.8486% | 1,419 |
| Retained earnings to average equity (ytd only) | 6.5422% | 1,928 |
| Net charge-offs to loans | 0.1726% | 1,431 |
| Credit loss provision to net charge-offs | 81.8966% | 2,304 |
| Earnings coverage of net charge-offs (x) | 11.1422% | 2,319 |
| Efficiency ratio | 64.9622% | 4,199 |
| Assets per employee ($millions) | 4.3134% | 3,280 |
| Cash dividends to net income (ytd only)* | 44.7855% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8243% | 5,539 |
| Loan loss allowance to noncurrent loans | 197.9519% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 3,839 |
| Noncurrent loans to loans | 0.4164% | 4,226 |
| Net loans and leases to total assets | 72.1031% | 1,959 |
| Net loans and leases to deposits | 87.0274% | 1,941 |
| Net loans and leases to core deposits | 91.1921% | 2,226 |
| Total domestic deposits to total assets | 82.8510% | 4,004 |
| Equity capital to assets | 10.8884% | 3,004 |
| Core capital (leverage) ratio | 10.1733% | 3,369 |
| Tier 1 risk-based capital ratio | 13.1046% | 4,459 |
| Total risk-based capital ratio | 13.8866% | 4,647 |
| Memoranda: | ||
| Average total assets | $368,561,000 | 1,801 |
| Average earning assets | $338,242,000 | 1,815 |
| Average equity | $40,139,670 | 1,818 |
| Average total loans | $268,782,330 | 1,634 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 2,263 |
| Cost of funding earning assets | 0.2980% | 4,465 |
| Net interest margin | 3.9553% | 1,705 |
| Noninterest income to average assets | 0.5161% | 3,182 |
| Noninterest expense to average assets | 2.7950% | 3,269 |
| Loan and lease loss provision to assets | 0.0163% | 3,515 |
| Net operating income to assets | 1.3164% | 1,225 |
| Return on assets (ROA) | 1.3164% | 1,309 |
| Pretax return on assets | 1.3327% | 2,142 |
| Return on Equity (ROE) | 12.0858% | 1,324 |
| Retained earnings to average equity (ytd only) | 5.9879% | 2,511 |
| Net charge-offs to loans | 0.0224% | 2,702 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 82.6000% | 580 |
| Efficiency ratio | 65.5018% | 4,239 |
| Assets per employee ($millions) | 4.3158% | 3,342 |
| Cash dividends to net income (ytd only)* | 50.4549% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 5,533 |
| Loan loss allowance to noncurrent loans | 104.9097% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6981% | 3,393 |
| Noncurrent loans to loans | 0.8231% | 3,188 |
| Net loans and leases to total assets | 70.8888% | 2,005 |
| Net loans and leases to deposits | 84.9359% | 1,960 |
| Net loans and leases to core deposits | 86.1383% | 2,535 |
| Total domestic deposits to total assets | 83.4615% | 4,019 |
| Equity capital to assets | 11.0500% | 2,920 |
| Core capital (leverage) ratio | 9.6023% | 4,148 |
| Tier 1 risk-based capital ratio | 12.7801% | 4,739 |
| Total risk-based capital ratio | 13.5997% | 4,923 |
| Memoranda: | ||
| Average total assets | $367,364,000 | 1,809 |
| Average earning assets | $336,965,500 | 1,825 |
| Average equity | $40,014,000 | 1,827 |
| Average total loans | $268,327,000 | 1,636 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2998% | 2,606 |
| Cost of funding earning assets | 0.3503% | 4,251 |
| Net interest margin | 3.9495% | 2,054 |
| Noninterest income to average assets | 0.6031% | 2,838 |
| Noninterest expense to average assets | 2.7055% | 3,842 |
| Loan and lease loss provision to assets | 0.0479% | 3,612 |
| Net operating income to assets | 1.4456% | 991 |
| Return on assets (ROA) | 1.5567% | 814 |
| Pretax return on assets | 1.5772% | 1,301 |
| Return on Equity (ROE) | 16.1271% | 609 |
| Retained earnings to average equity (ytd only) | 9.1586% | 672 |
| Net charge-offs to loans | 0.0893% | 3,211 |
| Credit loss provision to net charge-offs | 76.7932% | 2,934 |
| Earnings coverage of net charge-offs (x) | 24.2489% | 1,548 |
| Efficiency ratio | 62.2254% | 4,875 |
| Assets per employee ($millions) | 4.2286% | 3,481 |
| Cash dividends to net income (ytd only)* | 43.2099% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8256% | 5,705 |
| Loan loss allowance to noncurrent loans | 98.5640% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.7826% | 3,249 |
| Noncurrent loans to loans | 0.8376% | 3,218 |
| Net loans and leases to total assets | 73.9561% | 1,588 |
| Net loans and leases to deposits | 87.9505% | 1,740 |
| Net loans and leases to core deposits | 89.4910% | 2,334 |
| Total domestic deposits to total assets | 84.0883% | 3,674 |
| Equity capital to assets | 10.7348% | 3,195 |
| Core capital (leverage) ratio | 9.2729% | 4,566 |
| Tier 1 risk-based capital ratio | 12.0458% | 5,331 |
| Total risk-based capital ratio | 12.8334% | 5,529 |
| Memoranda: | ||
| Average total assets | $379,852,000 | 1,728 |
| Average earning assets | $347,716,200 | 1,721 |
| Average equity | $36,665,000 | 1,918 |
| Average total loans | $265,255,600 | 1,596 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2906% | 2,673 |
| Cost of funding earning assets | 0.3549% | 4,284 |
| Net interest margin | 3.9356% | 2,090 |
| Noninterest income to average assets | 0.6227% | 2,730 |
| Noninterest expense to average assets | 2.7011% | 3,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5086% | 922 |
| Return on assets (ROA) | 1.5672% | 846 |
| Pretax return on assets | 1.5874% | 1,362 |
| Return on Equity (ROE) | 16.6856% | 594 |
| Retained earnings to average equity (ytd only) | 7.2119% | 1,710 |
| Net charge-offs to loans | 0.0558% | 3,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 39.8917% | 1,134 |
| Efficiency ratio | 62.1047% | 4,869 |
| Assets per employee ($millions) | 4.0869% | 3,694 |
| Cash dividends to net income (ytd only)* | 56.7778% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 5,781 |
| Loan loss allowance to noncurrent loans | 95.9618% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 0.7663% | 3,521 |
| Noncurrent loans to loans | 0.8699% | 3,390 |
| Net loans and leases to total assets | 68.3382% | 2,475 |
| Net loans and leases to deposits | 80.0567% | 2,678 |
| Net loans and leases to core deposits | 84.9888% | 2,778 |
| Total domestic deposits to total assets | 85.3624% | 3,180 |
| Equity capital to assets | 9.9129% | 4,281 |
| Core capital (leverage) ratio | 8.8196% | 5,311 |
| Tier 1 risk-based capital ratio | 11.8298% | 5,598 |
| Total risk-based capital ratio | 12.6188% | 5,787 |
| Memoranda: | ||
| Average total assets | $382,843,250 | 1,724 |
| Average earning assets | $350,839,750 | 1,716 |
| Average equity | $35,958,250 | 1,960 |
| Average total loans | $262,984,500 | 1,619 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1759% | 3,051 |
| Cost of funding earning assets | 0.3612% | 4,309 |
| Net interest margin | 3.8147% | 2,512 |
| Noninterest income to average assets | 0.7333% | 2,127 |
| Noninterest expense to average assets | 2.7678% | 3,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4423% | 978 |
| Return on assets (ROA) | 1.5282% | 862 |
| Pretax return on assets | 1.5486% | 1,398 |
| Return on Equity (ROE) | 16.5786% | 595 |
| Retained earnings to average equity (ytd only) | 5.6283% | 2,557 |
| Net charge-offs to loans | 0.0655% | 3,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,195 |
| Efficiency ratio | 63.6701% | 4,744 |
| Assets per employee ($millions) | 4.1911% | 3,473 |
| Cash dividends to net income (ytd only)* | 66.0507% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 5,829 |
| Loan loss allowance to noncurrent loans | 119.4014% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 3,991 |
| Noncurrent loans to loans | 0.7247% | 3,884 |
| Net loans and leases to total assets | 67.8549% | 2,434 |
| Net loans and leases to deposits | 79.6184% | 2,574 |
| Net loans and leases to core deposits | 82.7177% | 2,893 |
| Total domestic deposits to total assets | 85.2252% | 3,397 |
| Equity capital to assets | 9.7156% | 4,466 |
| Core capital (leverage) ratio | 8.6751% | 5,439 |
| Tier 1 risk-based capital ratio | 11.6344% | 5,724 |
| Total risk-based capital ratio | 12.4438% | 5,900 |
| Memoranda: | ||
| Average total assets | $382,402,000 | 1,723 |
| Average earning assets | $350,488,670 | 1,716 |
| Average equity | $35,250,330 | 1,980 |
| Average total loans | $262,398,330 | 1,622 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1579% | 3,041 |
| Cost of funding earning assets | 0.3635% | 4,401 |
| Net interest margin | 3.7944% | 2,495 |
| Noninterest income to average assets | 0.6909% | 2,219 |
| Noninterest expense to average assets | 2.5859% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5669% | 710 |
| Return on assets (ROA) | 1.5823% | 715 |
| Pretax return on assets | 1.6021% | 1,168 |
| Return on Equity (ROE) | 17.6314% | 468 |
| Retained earnings to average equity (ytd only) | -0.3126% | 5,614 |
| Net charge-offs to loans | 0.0045% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 509.0000% | 76 |
| Efficiency ratio | 60.2092% | 5,372 |
| Assets per employee ($millions) | 4.0467% | 3,834 |
| Cash dividends to net income (ytd only)* | 101.7728% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 5,829 |
| Loan loss allowance to noncurrent loans | 94.6874% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7854% | 3,779 |
| Noncurrent loans to loans | 0.9646% | 3,490 |
| Net loans and leases to total assets | 66.7888% | 2,435 |
| Net loans and leases to deposits | 76.7111% | 2,725 |
| Net loans and leases to core deposits | 77.9793% | 3,207 |
| Total domestic deposits to total assets | 87.0654% | 2,765 |
| Equity capital to assets | 9.2877% | 4,773 |
| Core capital (leverage) ratio | 8.1715% | 5,975 |
| Tier 1 risk-based capital ratio | 11.3388% | 6,001 |
| Total risk-based capital ratio | 12.1856% | 6,134 |
| Memoranda: | ||
| Average total assets | $385,005,000 | 1,721 |
| Average earning assets | $353,255,500 | 1,715 |
| Average equity | $34,552,000 | 2,008 |
| Average total loans | $264,507,500 | 1,612 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 2,804 |
| Cost of funding earning assets | 0.4459% | 4,151 |
| Net interest margin | 3.8953% | 2,302 |
| Noninterest income to average assets | 0.9463% | 1,535 |
| Noninterest expense to average assets | 2.8525% | 3,522 |
| Loan and lease loss provision to assets | 0.0647% | 3,839 |
| Net operating income to assets | 1.5529% | 751 |
| Return on assets (ROA) | 1.5296% | 813 |
| Pretax return on assets | 1.5469% | 1,308 |
| Return on Equity (ROE) | 16.2508% | 594 |
| Retained earnings to average equity (ytd only) | -5.1174% | 6,379 |
| Net charge-offs to loans | 0.0185% | 5,073 |
| Credit loss provision to net charge-offs | 510.2041% | 457 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 360 |
| Efficiency ratio | 61.8919% | 5,236 |
| Assets per employee ($millions) | 4.2329% | 3,393 |
| Cash dividends to net income (ytd only)* | 131.4899% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 6,080 |
| Loan loss allowance to noncurrent loans | 138.3423% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 4,558 |
| Noncurrent loans to loans | 0.6091% | 4,454 |
| Net loans and leases to total assets | 69.3538% | 2,116 |
| Net loans and leases to deposits | 81.3676% | 2,269 |
| Net loans and leases to core deposits | 83.9419% | 2,680 |
| Total domestic deposits to total assets | 85.2351% | 3,624 |
| Equity capital to assets | 8.6749% | 5,400 |
| Core capital (leverage) ratio | 8.2674% | 5,910 |
| Tier 1 risk-based capital ratio | 10.4516% | 6,383 |
| Total risk-based capital ratio | 11.2343% | 6,487 |
| Memoranda: | ||
| Average total assets | $386,570,200 | 1,703 |
| Average earning assets | $351,448,200 | 1,702 |
| Average equity | $36,386,000 | 1,900 |
| Average total loans | $265,269,600 | 1,572 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 2,634 |
| Cost of funding earning assets | 0.4669% | 4,095 |
| Net interest margin | 3.9212% | 2,193 |
| Noninterest income to average assets | 0.9788% | 1,511 |
| Noninterest expense to average assets | 2.7224% | 3,931 |
| Loan and lease loss provision to assets | 0.0606% | 3,833 |
| Net operating income to assets | 1.7426% | 589 |
| Return on assets (ROA) | 1.7151% | 639 |
| Pretax return on assets | 1.7359% | 1,024 |
| Return on Equity (ROE) | 17.8640% | 452 |
| Retained earnings to average equity (ytd only) | 0.6316% | 5,717 |
| Net charge-offs to loans | -0.0198% | 6,038 |
| Credit loss provision to net charge-offs | -448.7179% | 6,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2076% | 5,660 |
| Assets per employee ($millions) | 4.2175% | 3,389 |
| Cash dividends to net income (ytd only)* | 96.4646% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 6,098 |
| Loan loss allowance to noncurrent loans | 197.7119% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 5,090 |
| Noncurrent loans to loans | 0.4469% | 5,085 |
| Net loans and leases to total assets | 68.1904% | 2,264 |
| Net loans and leases to deposits | 79.0908% | 2,525 |
| Net loans and leases to core deposits | 83.4606% | 2,715 |
| Total domestic deposits to total assets | 86.2178% | 3,125 |
| Equity capital to assets | 9.4785% | 4,578 |
| Core capital (leverage) ratio | 8.9039% | 5,257 |
| Tier 1 risk-based capital ratio | 11.5481% | 6,037 |
| Total risk-based capital ratio | 12.3658% | 6,193 |
| Memoranda: | ||
| Average total assets | $384,796,750 | 1,719 |
| Average earning assets | $350,123,250 | 1,726 |
| Average equity | $36,945,000 | 1,883 |
| Average total loans | $262,751,750 | 1,587 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 2,818 |
| Cost of funding earning assets | 0.4811% | 4,080 |
| Net interest margin | 3.8528% | 2,369 |
| Noninterest income to average assets | 0.9270% | 1,725 |
| Noninterest expense to average assets | 2.6879% | 4,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7439% | 581 |
| Return on assets (ROA) | 1.7526% | 612 |
| Pretax return on assets | 1.7703% | 980 |
| Return on Equity (ROE) | 18.1774% | 451 |
| Retained earnings to average equity (ytd only) | -4.7127% | 6,440 |
| Net charge-offs to loans | 0.0114% | 4,647 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 226.1333% | 231 |
| Efficiency ratio | 58.6835% | 5,646 |
| Assets per employee ($millions) | 3.8765% | 4,054 |
| Cash dividends to net income (ytd only)* | 125.9259% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 6,319 |
| Loan loss allowance to noncurrent loans | 171.0569% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4732% | 5,089 |
| Noncurrent loans to loans | 0.4797% | 5,067 |
| Net loans and leases to total assets | 68.3391% | 2,176 |
| Net loans and leases to deposits | 79.9727% | 2,322 |
| Net loans and leases to core deposits | 82.6743% | 2,731 |
| Total domestic deposits to total assets | 85.4531% | 3,667 |
| Equity capital to assets | 9.4581% | 4,636 |
| Core capital (leverage) ratio | 8.4836% | 5,691 |
| Tier 1 risk-based capital ratio | 11.5043% | 6,109 |
| Total risk-based capital ratio | 12.2649% | 6,305 |
| Memoranda: | ||
| Average total assets | $385,131,330 | 1,715 |
| Average earning assets | $352,110,000 | 1,717 |
| Average equity | $37,134,000 | 1,881 |
| Average total loans | $262,321,330 | 1,591 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 3,039 |
| Cost of funding earning assets | 0.4953% | 4,134 |
| Net interest margin | 3.7707% | 2,564 |
| Noninterest income to average assets | 0.9489% | 1,618 |
| Noninterest expense to average assets | 2.4810% | 4,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8865% | 418 |
| Return on assets (ROA) | 1.8865% | 452 |
| Pretax return on assets | 1.9049% | 726 |
| Return on Equity (ROE) | 19.3901% | 333 |
| Retained earnings to average equity (ytd only) | -16.8285% | 6,783 |
| Net charge-offs to loans | -0.0332% | 5,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8440% | 6,169 |
| Assets per employee ($millions) | 3.9045% | 4,149 |
| Cash dividends to net income (ytd only)* | 186.7894% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 6,378 |
| Loan loss allowance to noncurrent loans | 157.0800% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 4,994 |
| Noncurrent loans to loans | 0.5369% | 5,104 |
| Net loans and leases to total assets | 66.4630% | 2,291 |
| Net loans and leases to deposits | 77.8594% | 2,356 |
| Net loans and leases to core deposits | 79.8486% | 2,828 |
| Total domestic deposits to total assets | 85.3628% | 3,866 |
| Equity capital to assets | 9.7876% | 4,439 |
| Core capital (leverage) ratio | 8.1508% | 5,988 |
| Tier 1 risk-based capital ratio | 11.2391% | 6,291 |
| Total risk-based capital ratio | 12.0148% | 6,467 |
| Memoranda: | ||
| Average total assets | $391,623,500 | 1,703 |
| Average earning assets | $356,963,500 | 1,712 |
| Average equity | $38,102,000 | 1,861 |
| Average total loans | $265,269,000 | 1,585 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 3,403 |
| Cost of funding earning assets | 0.5294% | 4,998 |
| Net interest margin | 3.9673% | 2,540 |
| Noninterest income to average assets | 0.8617% | 1,988 |
| Noninterest expense to average assets | 2.8492% | 3,846 |
| Loan and lease loss provision to assets | 0.0449% | 5,281 |
| Net operating income to assets | 1.5523% | 827 |
| Return on assets (ROA) | 1.7636% | 609 |
| Pretax return on assets | 1.7847% | 947 |
| Return on Equity (ROE) | 16.0683% | 652 |
| Retained earnings to average equity (ytd only) | 11.9613% | 330 |
| Net charge-offs to loans | 0.1012% | 4,654 |
| Credit loss provision to net charge-offs | 65.4206% | 4,303 |
| Earnings coverage of net charge-offs (x) | 23.5421% | 1,216 |
| Efficiency ratio | 62.8709% | 5,103 |
| Assets per employee ($millions) | 4.3969% | 3,155 |
| Cash dividends to net income (ytd only)* | 25.5594% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7659% | 6,545 |
| Loan loss allowance to noncurrent loans | 138.8598% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 5,083 |
| Noncurrent loans to loans | 0.5515% | 5,148 |
| Net loans and leases to total assets | 67.8742% | 2,204 |
| Net loans and leases to deposits | 81.8385% | 2,021 |
| Net loans and leases to core deposits | 86.2761% | 2,278 |
| Total domestic deposits to total assets | 82.9368% | 4,746 |
| Equity capital to assets | 9.6746% | 4,627 |
| Core capital (leverage) ratio | 10.1226% | 3,244 |
| Tier 1 risk-based capital ratio | 10.8311% | 6,412 |
| Total risk-based capital ratio | 11.5337% | 6,589 |
| Memoranda: | ||
| Average total assets | $311,700,000 | 2,062 |
| Average earning assets | $283,138,600 | 2,084 |
| Average equity | $34,210,200 | 2,023 |
| Average total loans | $211,362,000 | 1,910 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 2,726 |
| Cost of funding earning assets | 0.5620% | 4,981 |
| Net interest margin | 4.1561% | 1,880 |
| Noninterest income to average assets | 0.9165% | 1,772 |
| Noninterest expense to average assets | 2.5123% | 5,040 |
| Loan and lease loss provision to assets | 0.0647% | 4,896 |
| Net operating income to assets | 2.0992% | 329 |
| Return on assets (ROA) | 2.3833% | 230 |
| Pretax return on assets | 2.4064% | 336 |
| Return on Equity (ROE) | 20.8491% | 286 |
| Retained earnings to average equity (ytd only) | 16.2807% | 183 |
| Net charge-offs to loans | 0.1695% | 3,753 |
| Credit loss provision to net charge-offs | 56.4516% | 4,251 |
| Earnings coverage of net charge-offs (x) | 19.0564% | 1,519 |
| Efficiency ratio | 52.5389% | 6,399 |
| Assets per employee ($millions) | 4.2802% | 3,316 |
| Cash dividends to net income (ytd only)* | 21.9120% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 5,884 |
| Loan loss allowance to noncurrent loans | 177.7494% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.6698% | 5,009 |
| Noncurrent loans to loans | 0.5915% | 5,258 |
| Net loans and leases to total assets | 66.4435% | 2,569 |
| Net loans and leases to deposits | 83.1824% | 1,978 |
| Net loans and leases to core deposits | 92.7485% | 1,703 |
| Total domestic deposits to total assets | 79.8769% | 5,689 |
| Equity capital to assets | 13.4296% | 1,381 |
| Core capital (leverage) ratio | 12.6622% | 1,341 |
| Tier 1 risk-based capital ratio | 16.9589% | 2,752 |
| Total risk-based capital ratio | 17.9334% | 2,870 |
| Memoranda: | ||
| Average total assets | $288,496,750 | 2,242 |
| Average earning assets | $262,389,750 | 2,237 |
| Average equity | $32,979,000 | 2,107 |
| Average total loans | $195,032,750 | 2,076 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 2,924 |
| Cost of funding earning assets | 0.5841% | 5,034 |
| Net interest margin | 4.1132% | 2,035 |
| Noninterest income to average assets | 0.9957% | 1,477 |
| Noninterest expense to average assets | 2.4087% | 5,427 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.3609% | 217 |
| Return on assets (ROA) | 2.6833% | 147 |
| Pretax return on assets | 2.7063% | 218 |
| Return on Equity (ROE) | 24.9745% | 149 |
| Retained earnings to average equity (ytd only) | 18.4707% | 132 |
| Net charge-offs to loans | -0.0227% | 6,454 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3434% | 6,687 |
| Assets per employee ($millions) | 4.3241% | 3,214 |
| Cash dividends to net income (ytd only)* | 26.0417% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 5,731 |
| Loan loss allowance to noncurrent loans | 305.5172% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 5,385 |
| Noncurrent loans to loans | 0.3646% | 5,815 |
| Net loans and leases to total assets | 69.9630% | 1,928 |
| Net loans and leases to deposits | 88.0540% | 1,361 |
| Net loans and leases to core deposits | 99.4377% | 1,137 |
| Total domestic deposits to total assets | 79.4547% | 5,871 |
| Equity capital to assets | 11.4912% | 2,606 |
| Core capital (leverage) ratio | 10.1941% | 3,153 |
| Tier 1 risk-based capital ratio | 13.8104% | 4,590 |
| Total risk-based capital ratio | 14.8629% | 4,702 |
| Memoranda: | ||
| Average total assets | $286,218,330 | 2,260 |
| Average earning assets | $263,979,000 | 2,230 |
| Average equity | $30,751,330 | 2,217 |
| Average total loans | $193,939,000 | 2,082 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 3,347 |
| Cost of funding earning assets | 0.6186% | 4,976 |
| Net interest margin | 4.0140% | 2,447 |
| Noninterest income to average assets | 0.9959% | 1,434 |
| Noninterest expense to average assets | 2.3283% | 5,695 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.3423% | 224 |
| Return on assets (ROA) | 2.7701% | 154 |
| Pretax return on assets | 2.7937% | 230 |
| Return on Equity (ROE) | 26.6862% | 144 |
| Retained earnings to average equity (ytd only) | 17.6796% | 274 |
| Net charge-offs to loans | -0.0209% | 6,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7005% | 6,758 |
| Assets per employee ($millions) | 4.3098% | 3,374 |
| Cash dividends to net income (ytd only)* | 33.7500% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 5,486 |
| Loan loss allowance to noncurrent loans | 368.3946% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 5,581 |
| Noncurrent loans to loans | 0.3258% | 6,020 |
| Net loans and leases to total assets | 64.7253% | 2,706 |
| Net loans and leases to deposits | 76.7605% | 2,699 |
| Net loans and leases to core deposits | 83.3164% | 2,636 |
| Total domestic deposits to total assets | 84.3212% | 4,360 |
| Equity capital to assets | 10.9379% | 2,977 |
| Core capital (leverage) ratio | 9.7663% | 3,691 |
| Tier 1 risk-based capital ratio | 13.6948% | 4,684 |
| Total risk-based capital ratio | 14.7979% | 4,774 |
| Memoranda: | ||
| Average total assets | $288,794,000 | 2,254 |
| Average earning assets | $265,768,000 | 2,234 |
| Average equity | $29,978,000 | 2,262 |
| Average total loans | $191,479,500 | 2,117 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7592% | 3,987 |
| Cost of funding earning assets | 0.8783% | 4,266 |
| Net interest margin | 3.8809% | 3,421 |
| Noninterest income to average assets | 0.9445% | 1,521 |
| Noninterest expense to average assets | 2.7692% | 4,476 |
| Loan and lease loss provision to assets | 0.2368% | 3,839 |
| Net operating income to assets | 1.4436% | 936 |
| Return on assets (ROA) | 1.5003% | 900 |
| Pretax return on assets | 1.5121% | 1,435 |
| Return on Equity (ROE) | 16.6914% | 507 |
| Retained earnings to average equity (ytd only) | -8.9755% | 6,669 |
| Net charge-offs to loans | 0.3132% | 3,830 |
| Credit loss provision to net charge-offs | 115.6522% | 2,817 |
| Earnings coverage of net charge-offs (x) | 8.2626% | 2,179 |
| Efficiency ratio | 61.0424% | 5,597 |
| Assets per employee ($millions) | 4.6477% | 2,689 |
| Cash dividends to net income (ytd only)* | 153.7731% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 5,817 |
| Loan loss allowance to noncurrent loans | 230.2521% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 5,489 |
| Noncurrent loans to loans | 0.4773% | 5,754 |
| Net loans and leases to total assets | 66.3115% | 2,728 |
| Net loans and leases to deposits | 79.9110% | 2,539 |
| Net loans and leases to core deposits | 87.9600% | 2,380 |
| Total domestic deposits to total assets | 82.9818% | 4,755 |
| Equity capital to assets | 9.8554% | 4,363 |
| Core capital (leverage) ratio | 9.0254% | 4,734 |
| Tier 1 risk-based capital ratio | 12.1987% | 5,691 |
| Total risk-based capital ratio | 13.2275% | 5,827 |
| Memoranda: | ||
| Average total assets | $280,876,600 | 2,258 |
| Average earning assets | $254,474,000 | 2,274 |
| Average equity | $25,246,600 | 2,550 |
| Average total loans | $183,604,200 | 2,189 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8015% | 4,015 |
| Cost of funding earning assets | 0.9194% | 4,278 |
| Net interest margin | 3.8821% | 3,470 |
| Noninterest income to average assets | 0.9260% | 1,559 |
| Noninterest expense to average assets | 2.6889% | 4,772 |
| Loan and lease loss provision to assets | 0.0795% | 5,452 |
| Net operating income to assets | 1.6598% | 696 |
| Return on assets (ROA) | 1.7056% | 678 |
| Pretax return on assets | 1.7171% | 1,102 |
| Return on Equity (ROE) | 19.4799% | 345 |
| Retained earnings to average equity (ytd only) | -16.1782% | 7,015 |
| Net charge-offs to loans | 0.2650% | 3,785 |
| Credit loss provision to net charge-offs | 46.2185% | 5,116 |
| Earnings coverage of net charge-offs (x) | 10.1764% | 1,959 |
| Efficiency ratio | 59.5181% | 5,791 |
| Assets per employee ($millions) | 4.5073% | 2,900 |
| Cash dividends to net income (ytd only)* | 183.0508% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 6,272 |
| Loan loss allowance to noncurrent loans | 247.5389% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.5493% | 5,734 |
| Noncurrent loans to loans | 0.4038% | 6,042 |
| Net loans and leases to total assets | 63.6245% | 3,391 |
| Net loans and leases to deposits | 75.4532% | 3,422 |
| Net loans and leases to core deposits | 84.3793% | 3,008 |
| Total domestic deposits to total assets | 84.3231% | 4,089 |
| Equity capital to assets | 9.6567% | 4,842 |
| Core capital (leverage) ratio | 9.1299% | 4,744 |
| Tier 1 risk-based capital ratio | 12.4266% | 5,550 |
| Total risk-based capital ratio | 13.3654% | 5,799 |
| Memoranda: | ||
| Average total assets | $276,732,750 | 2,307 |
| Average earning assets | $250,441,000 | 2,312 |
| Average equity | $24,229,500 | 2,653 |
| Average total loans | $179,646,000 | 2,271 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7761% | 4,192 |
| Cost of funding earning assets | 0.9568% | 4,270 |
| Net interest margin | 3.8192% | 3,693 |
| Noninterest income to average assets | 0.9258% | 1,551 |
| Noninterest expense to average assets | 2.5892% | 5,226 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8083% | 493 |
| Return on assets (ROA) | 1.8464% | 479 |
| Pretax return on assets | 1.8576% | 772 |
| Return on Equity (ROE) | 21.9179% | 238 |
| Retained earnings to average equity (ytd only) | 12.2392% | 494 |
| Net charge-offs to loans | 0.1797% | 4,088 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 15.5316% | 1,399 |
| Efficiency ratio | 57.6425% | 6,208 |
| Assets per employee ($millions) | 4.0547% | 3,645 |
| Cash dividends to net income (ytd only)* | 44.1590% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 5,924 |
| Loan loss allowance to noncurrent loans | 194.1118% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7074% | 5,492 |
| Noncurrent loans to loans | 0.5707% | 5,784 |
| Net loans and leases to total assets | 64.8792% | 3,277 |
| Net loans and leases to deposits | 75.0882% | 3,635 |
| Net loans and leases to core deposits | 79.3653% | 3,876 |
| Total domestic deposits to total assets | 86.4040% | 3,098 |
| Equity capital to assets | 9.0053% | 5,575 |
| Core capital (leverage) ratio | 8.1166% | 6,141 |
| Tier 1 risk-based capital ratio | 11.3728% | 6,270 |
| Total risk-based capital ratio | 12.4096% | 6,403 |
| Memoranda: | ||
| Average total assets | $269,816,000 | 2,368 |
| Average earning assets | $246,017,330 | 2,363 |
| Average equity | $22,730,330 | 2,785 |
| Average total loans | $175,800,330 | 2,338 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 4,490 |
| Cost of funding earning assets | 0.9894% | 4,273 |
| Net interest margin | 3.7173% | 4,008 |
| Noninterest income to average assets | 0.9006% | 1,665 |
| Noninterest expense to average assets | 2.5454% | 5,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7215% | 560 |
| Return on assets (ROA) | 1.7215% | 592 |
| Pretax return on assets | 1.7334% | 920 |
| Return on Equity (ROE) | 21.1558% | 285 |
| Retained earnings to average equity (ytd only) | 10.2694% | 1,056 |
| Net charge-offs to loans | 0.0227% | 4,765 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 117.4000% | 278 |
| Efficiency ratio | 58.3851% | 6,220 |
| Assets per employee ($millions) | 4.0658% | 3,704 |
| Cash dividends to net income (ytd only)* | 51.4580% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 5,431 |
| Loan loss allowance to noncurrent loans | 150.3592% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 5,918 |
| Noncurrent loans to loans | 0.8268% | 5,378 |
| Net loans and leases to total assets | 62.9129% | 3,681 |
| Net loans and leases to deposits | 72.6283% | 3,968 |
| Net loans and leases to core deposits | 75.8955% | 4,313 |
| Total domestic deposits to total assets | 86.6232% | 3,169 |
| Equity capital to assets | 8.5217% | 5,875 |
| Core capital (leverage) ratio | 7.7152% | 6,545 |
| Tier 1 risk-based capital ratio | 11.0895% | 6,442 |
| Total risk-based capital ratio | 12.2185% | 6,505 |
| Memoranda: | ||
| Average total assets | $270,920,000 | 2,380 |
| Average earning assets | $246,199,000 | 2,387 |
| Average equity | $22,046,000 | 2,862 |
| Average total loans | $175,917,000 | 2,356 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 4,718 |
| Cost of funding earning assets | 1.0820% | 5,243 |
| Net interest margin | 3.8838% | 3,564 |
| Noninterest income to average assets | 0.8938% | 1,866 |
| Noninterest expense to average assets | 3.1469% | 3,285 |
| Loan and lease loss provision to assets | 0.3561% | 3,988 |
| Net operating income to assets | 0.8899% | 2,428 |
| Return on assets (ROA) | 1.0581% | 1,939 |
| Pretax return on assets | 1.0642% | 2,716 |
| Return on Equity (ROE) | 13.1847% | 1,044 |
| Retained earnings to average equity (ytd only) | 10.0335% | 521 |
| Net charge-offs to loans | 0.3301% | 4,357 |
| Credit loss provision to net charge-offs | 161.4679% | 2,156 |
| Earnings coverage of net charge-offs (x) | 5.6697% | 2,562 |
| Efficiency ratio | 70.9671% | 3,996 |
| Assets per employee ($millions) | 4.1427% | 3,492 |
| Cash dividends to net income (ytd only)* | 23.9006% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 5,753 |
| Loan loss allowance to noncurrent loans | 200.6679% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 6,137 |
| Noncurrent loans to loans | 0.5712% | 5,911 |
| Net loans and leases to total assets | 65.3450% | 3,594 |
| Net loans and leases to deposits | 78.8825% | 3,358 |
| Net loans and leases to core deposits | 83.5632% | 3,654 |
| Total domestic deposits to total assets | 82.8384% | 4,866 |
| Equity capital to assets | 7.7716% | 6,692 |
| Core capital (leverage) ratio | 7.3508% | 6,819 |
| Tier 1 risk-based capital ratio | 9.9986% | 6,983 |
| Total risk-based capital ratio | 11.0469% | 7,049 |
| Memoranda: | ||
| Average total assets | $247,135,200 | 2,575 |
| Average earning assets | $222,928,800 | 2,595 |
| Average equity | $19,833,600 | 3,169 |
| Average total loans | $165,124,800 | 2,545 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 5,005 |
| Cost of funding earning assets | 1.0675% | 5,605 |
| Net interest margin | 3.8897% | 3,575 |
| Noninterest income to average assets | 0.8466% | 2,013 |
| Noninterest expense to average assets | 2.9880% | 3,793 |
| Loan and lease loss provision to assets | 0.2961% | 4,207 |
| Net operating income to assets | 1.0593% | 2,041 |
| Return on assets (ROA) | 1.2931% | 1,429 |
| Pretax return on assets | 1.2931% | 2,190 |
| Return on Equity (ROE) | 15.9659% | 707 |
| Retained earnings to average equity (ytd only) | 11.6702% | 501 |
| Net charge-offs to loans | 0.3721% | 3,816 |
| Credit loss provision to net charge-offs | 118.7500% | 3,490 |
| Earnings coverage of net charge-offs (x) | 5.4353% | 2,747 |
| Efficiency ratio | 68.3711% | 4,392 |
| Assets per employee ($millions) | 4.0156% | 3,800 |
| Cash dividends to net income (ytd only)* | 26.9047% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 6,207 |
| Loan loss allowance to noncurrent loans | 195.1528% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 5,864 |
| Noncurrent loans to loans | 0.5339% | 6,138 |
| Net loans and leases to total assets | 64.4205% | 4,035 |
| Net loans and leases to deposits | 75.8973% | 4,197 |
| Net loans and leases to core deposits | 80.7247% | 4,417 |
| Total domestic deposits to total assets | 84.8785% | 3,678 |
| Equity capital to assets | 8.0392% | 6,768 |
| Core capital (leverage) ratio | 7.6157% | 6,750 |
| Tier 1 risk-based capital ratio | 10.2412% | 6,938 |
| Total risk-based capital ratio | 11.1971% | 7,079 |
| Memoranda: | ||
| Average total assets | $239,528,500 | 2,676 |
| Average earning assets | $215,330,500 | 2,721 |
| Average equity | $19,399,250 | 3,269 |
| Average total loans | $160,537,000 | 2,648 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9123% | 5,341 |
| Cost of funding earning assets | 1.0093% | 6,096 |
| Net interest margin | 3.9030% | 3,434 |
| Noninterest income to average assets | 0.6884% | 2,770 |
| Noninterest expense to average assets | 2.9621% | 3,846 |
| Loan and lease loss provision to assets | 0.1577% | 5,317 |
| Net operating income to assets | 1.0808% | 1,918 |
| Return on assets (ROA) | 1.1237% | 1,846 |
| Pretax return on assets | 1.1237% | 2,699 |
| Return on Equity (ROE) | 13.8341% | 1,076 |
| Retained earnings to average equity (ytd only) | 8.9819% | 1,112 |
| Net charge-offs to loans | 0.0594% | 5,561 |
| Credit loss provision to net charge-offs | 391.3043% | 924 |
| Earnings coverage of net charge-offs (x) | 30.7391% | 906 |
| Efficiency ratio | 70.5171% | 4,085 |
| Assets per employee ($millions) | 4.2775% | 3,258 |
| Cash dividends to net income (ytd only)* | 35.0740% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 6,007 |
| Loan loss allowance to noncurrent loans | 126.2110% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.8465% | 5,421 |
| Noncurrent loans to loans | 0.8610% | 5,545 |
| Net loans and leases to total assets | 69.7796% | 2,957 |
| Net loans and leases to deposits | 83.0271% | 3,071 |
| Net loans and leases to core deposits | 87.4413% | 3,629 |
| Total domestic deposits to total assets | 84.0444% | 4,089 |
| Equity capital to assets | 8.4674% | 6,201 |
| Core capital (leverage) ratio | 8.6489% | 5,158 |
| Tier 1 risk-based capital ratio | 9.7780% | 7,150 |
| Total risk-based capital ratio | 10.7780% | 7,255 |
| Memoranda: | ||
| Average total assets | $228,350,670 | 2,834 |
| Average earning assets | $205,484,670 | 2,869 |
| Average equity | $18,548,330 | 3,368 |
| Average total loans | $154,796,000 | 2,767 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9719% | 5,149 |
| Cost of funding earning assets | 1.1011% | 5,907 |
| Net interest margin | 3.8709% | 3,451 |
| Noninterest income to average assets | 0.5877% | 3,354 |
| Noninterest expense to average assets | 2.8982% | 4,071 |
| Loan and lease loss provision to assets | 0.1190% | 5,402 |
| Net operating income to assets | 1.0784% | 1,899 |
| Return on assets (ROA) | 1.1370% | 1,794 |
| Pretax return on assets | 1.1370% | 2,599 |
| Return on Equity (ROE) | 14.3426% | 985 |
| Retained earnings to average equity (ytd only) | 7.4138% | 1,966 |
| Net charge-offs to loans | 0.1216% | 4,239 |
| Credit loss provision to net charge-offs | 147.7273% | 2,410 |
| Earnings coverage of net charge-offs (x) | 14.8636% | 1,406 |
| Efficiency ratio | 70.7644% | 4,167 |
| Assets per employee ($millions) | 3.7985% | 4,318 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 5,347 |
| Loan loss allowance to noncurrent loans | 91.8378% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.1722% | 4,829 |
| Noncurrent loans to loans | 1.3376% | 4,745 |
| Net loans and leases to total assets | 66.4391% | 3,763 |
| Net loans and leases to deposits | 85.6775% | 2,651 |
| Net loans and leases to core deposits | 97.9158% | 2,351 |
| Total domestic deposits to total assets | 77.5456% | 6,438 |
| Equity capital to assets | 8.1537% | 6,491 |
| Core capital (leverage) ratio | 7.7278% | 6,592 |
| Tier 1 risk-based capital ratio | 10.2832% | 6,814 |
| Total risk-based capital ratio | 11.3991% | 6,921 |
| Memoranda: | ||
| Average total assets | $218,479,000 | 3,010 |
| Average earning assets | $197,991,500 | 3,024 |
| Average equity | $17,319,000 | 3,600 |
| Average total loans | $144,683,500 | 2,989 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4681% | 4,340 |
| Cost of funding earning assets | 1.5307% | 5,371 |
| Net interest margin | 3.9373% | 3,133 |
| Noninterest income to average assets | 0.8024% | 2,396 |
| Noninterest expense to average assets | 2.9261% | 4,440 |
| Loan and lease loss provision to assets | 0.4825% | 3,952 |
| Net operating income to assets | 0.9892% | 1,872 |
| Return on assets (ROA) | 1.1242% | 1,487 |
| Pretax return on assets | 1.1242% | 2,175 |
| Return on Equity (ROE) | 13.9276% | 796 |
| Retained earnings to average equity (ytd only) | 7.5362% | 816 |
| Net charge-offs to loans | 0.5524% | 3,575 |
| Credit loss provision to net charge-offs | 127.3713% | 4,068 |
| Earnings coverage of net charge-offs (x) | 3.8848% | 3,155 |
| Efficiency ratio | 66.5344% | 5,286 |
| Assets per employee ($millions) | 3.8674% | 4,097 |
| Cash dividends to net income (ytd only)* | 45.8904% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 5,173 |
| Loan loss allowance to noncurrent loans | 110.4310% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.0796% | 4,933 |
| Noncurrent loans to loans | 1.1139% | 5,099 |
| Net loans and leases to total assets | 64.3973% | 4,515 |
| Net loans and leases to deposits | 83.1693% | 3,426 |
| Net loans and leases to core deposits | 99.4139% | 4,059 |
| Total domestic deposits to total assets | 77.4292% | 6,362 |
| Equity capital to assets | 7.7045% | 6,855 |
| Core capital (leverage) ratio | 7.5814% | 6,706 |
| Tier 1 risk-based capital ratio | 10.1885% | 6,694 |
| Total risk-based capital ratio | 11.3030% | 6,796 |
| Memoranda: | ||
| Average total assets | $194,801,400 | 3,239 |
| Average earning assets | $177,887,600 | 3,238 |
| Average equity | $15,724,200 | 3,913 |
| Average total loans | $133,606,200 | 3,198 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5329% | 4,256 |
| Cost of funding earning assets | 1.5702% | 5,541 |
| Net interest margin | 3.9627% | 2,982 |
| Noninterest income to average assets | 0.8351% | 2,260 |
| Noninterest expense to average assets | 3.0213% | 3,965 |
| Loan and lease loss provision to assets | 0.4529% | 3,650 |
| Net operating income to assets | 0.9776% | 2,140 |
| Return on assets (ROA) | 0.9958% | 2,138 |
| Pretax return on assets | 1.0085% | 2,878 |
| Return on Equity (ROE) | 12.1742% | 1,311 |
| Retained earnings to average equity (ytd only) | 3.4784% | 3,347 |
| Net charge-offs to loans | 0.5554% | 3,015 |
| Credit loss provision to net charge-offs | 117.2161% | 4,343 |
| Earnings coverage of net charge-offs (x) | 3.7344% | 3,402 |
| Efficiency ratio | 67.6760% | 5,048 |
| Assets per employee ($millions) | 3.6629% | 4,510 |
| Cash dividends to net income (ytd only)* | 71.4289% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 4,968 |
| Loan loss allowance to noncurrent loans | 101.5291% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 1.2456% | 4,575 |
| Noncurrent loans to loans | 1.2078% | 4,932 |
| Net loans and leases to total assets | 65.1867% | 4,604 |
| Net loans and leases to deposits | 78.4820% | 4,667 |
| Net loans and leases to core deposits | 96.8247% | 4,726 |
| Total domestic deposits to total assets | 83.0594% | 4,193 |
| Equity capital to assets | 7.9167% | 6,926 |
| Core capital (leverage) ratio | 7.9793% | 6,395 |
| Tier 1 risk-based capital ratio | 9.7305% | 7,216 |
| Total risk-based capital ratio | 10.7808% | 7,316 |
| Memoranda: | ||
| Average total assets | $188,390,750 | 3,327 |
| Average earning assets | $172,538,000 | 3,339 |
| Average equity | $15,409,250 | 4,022 |
| Average total loans | $131,075,750 | 3,281 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 4,284 |
| Cost of funding earning assets | 1.5907% | 5,775 |
| Net interest margin | 3.9697% | 2,831 |
| Noninterest income to average assets | 0.8314% | 2,261 |
| Noninterest expense to average assets | 3.1179% | 3,630 |
| Loan and lease loss provision to assets | 0.2133% | 4,914 |
| Net operating income to assets | 1.1577% | 1,589 |
| Return on assets (ROA) | 1.2920% | 1,334 |
| Pretax return on assets | 1.3052% | 2,012 |
| Return on Equity (ROE) | 15.6086% | 746 |
| Retained earnings to average equity (ytd only) | 4.1764% | 2,973 |
| Net charge-offs to loans | 0.2515% | 3,944 |
| Credit loss provision to net charge-offs | 119.6319% | 3,887 |
| Earnings coverage of net charge-offs (x) | 7.7546% | 2,393 |
| Efficiency ratio | 69.2756% | 4,930 |
| Assets per employee ($millions) | 3.2128% | 5,558 |
| Cash dividends to net income (ytd only)* | 73.2430% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 4,752 |
| Loan loss allowance to noncurrent loans | 47.3762% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 1.8419% | 3,412 |
| Noncurrent loans to loans | 2.5933% | 2,795 |
| Net loans and leases to total assets | 70.1535% | 3,666 |
| Net loans and leases to deposits | 83.7260% | 3,939 |
| Net loans and leases to core deposits | 101.9247% | 4,285 |
| Total domestic deposits to total assets | 83.7894% | 3,880 |
| Equity capital to assets | 8.3876% | 6,219 |
| Core capital (leverage) ratio | 8.3677% | 5,681 |
| Tier 1 risk-based capital ratio | 10.2140% | 6,696 |
| Total risk-based capital ratio | 11.2813% | 6,814 |
| Memoranda: | ||
| Average total assets | $182,813,330 | 3,443 |
| Average earning assets | $168,978,330 | 3,407 |
| Average equity | $15,132,670 | 4,094 |
| Average total loans | $129,643,330 | 3,344 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5786% | 4,474 |
| Cost of funding earning assets | 1.5969% | 6,039 |
| Net interest margin | 3.9816% | 2,718 |
| Noninterest income to average assets | 0.6197% | 3,415 |
| Noninterest expense to average assets | 2.9607% | 3,937 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3232% | 1,331 |
| Return on assets (ROA) | 1.5921% | 872 |
| Pretax return on assets | 1.6052% | 1,388 |
| Return on Equity (ROE) | 19.3621% | 472 |
| Retained earnings to average equity (ytd only) | -1.2784% | 5,955 |
| Net charge-offs to loans | -0.1916% | 8,005 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9444% | 4,785 |
| Assets per employee ($millions) | 3.2583% | 5,429 |
| Cash dividends to net income (ytd only)* | 106.6025% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 4,568 |
| Loan loss allowance to noncurrent loans | 40.8020% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 2.1483% | 2,675 |
| Noncurrent loans to loans | 3.0212% | 2,163 |
| Net loans and leases to total assets | 70.2318% | 3,621 |
| Net loans and leases to deposits | 80.8797% | 4,475 |
| Net loans and leases to core deposits | 105.0674% | 4,021 |
| Total domestic deposits to total assets | 86.8348% | 2,302 |
| Equity capital to assets | 8.0711% | 6,708 |
| Core capital (leverage) ratio | 8.4666% | 5,604 |
| Tier 1 risk-based capital ratio | 10.0151% | 6,897 |
| Total risk-based capital ratio | 11.1072% | 6,978 |
| Memoranda: | ||
| Average total assets | $182,656,500 | 3,468 |
| Average earning assets | $168,573,500 | 3,443 |
| Average equity | $15,019,000 | 4,141 |
| Average total loans | $129,431,000 | 3,377 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2933% | 3,995 |
| Cost of funding earning assets | 2.3195% | 5,059 |
| Net interest margin | 3.9737% | 3,245 |
| Noninterest income to average assets | 0.7344% | 2,877 |
| Noninterest expense to average assets | 3.0723% | 3,813 |
| Loan and lease loss provision to assets | 0.1433% | 5,522 |
| Net operating income to assets | 1.1346% | 2,011 |
| Return on assets (ROA) | 1.1304% | 1,946 |
| Pretax return on assets | 1.1425% | 2,863 |
| Return on Equity (ROE) | 13.8178% | 1,145 |
| Retained earnings to average equity (ytd only) | -7.0560% | 6,789 |
| Net charge-offs to loans | 0.1135% | 5,128 |
| Credit loss provision to net charge-offs | 178.9474% | 2,823 |
| Earnings coverage of net charge-offs (x) | 16.1128% | 1,871 |
| Efficiency ratio | 70.4291% | 4,264 |
| Assets per employee ($millions) | 3.2069% | 5,467 |
| Cash dividends to net income (ytd only)* | 151.0650% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 4,274 |
| Loan loss allowance to noncurrent loans | 49.2298% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 1.8520% | 2,668 |
| Noncurrent loans to loans | 2.5088% | 2,170 |
| Net loans and leases to total assets | 69.7318% | 4,083 |
| Net loans and leases to deposits | 82.4234% | 4,659 |
| Net loans and leases to core deposits | 102.0195% | 4,609 |
| Total domestic deposits to total assets | 84.6020% | 3,026 |
| Equity capital to assets | 8.3792% | 6,296 |
| Core capital (leverage) ratio | 8.7951% | 5,041 |
| Tier 1 risk-based capital ratio | 10.3265% | 6,394 |
| Total risk-based capital ratio | 11.4062% | 6,429 |
| Memoranda: | ||
| Average total assets | $166,128,600 | 3,611 |
| Average earning assets | $151,670,400 | 3,622 |
| Average equity | $13,591,200 | 4,427 |
| Average total loans | $117,134,000 | 3,522 |