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 | 4.4657% | 3,154 |
| Cost of funding earning assets | 1.4262% | 2,158 |
| Net interest margin | 3.0395% | 3,205 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 1.9153% | 3,808 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0649% | 2,023 |
| Return on assets (ROA) | 1.0660% | 1,989 |
| Pretax return on assets | 1.2821% | 1,919 |
| Return on Equity (ROE) | 17.5600% | 882 |
| Retained earnings to average equity (ytd only) | 14.7981% | 335 |
| Net charge-offs to loans | -0.0065% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.6895% | 3,222 |
| Assets per employee ($millions) | 10.2167% | 660 |
| Cash dividends to net income (ytd only)* | 15.7401% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,407 |
| Loan loss allowance to noncurrent loans | 1,745.8716% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 2,562 |
| Noncurrent loans to loans | 0.0562% | 3,317 |
| Net loans and leases to total assets | 36.1600% | 4,150 |
| Net loans and leases to deposits | 39.1091% | 4,216 |
| Net loans and leases to core deposits | 51.2735% | 4,055 |
| Total domestic deposits to total assets | 92.4600% | 237 |
| Equity capital to assets | 6.9797% | 3,948 |
| Core capital (leverage) ratio | 9.4267% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $529,830,000 | 1,666 |
| Average earning assets | $500,477,400 | 1,636 |
| Average equity | $32,159,600 | 2,179 |
| Average total loans | $183,413,200 | 2,414 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3564% | 3,185 |
| Cost of funding earning assets | 1.3496% | 2,005 |
| Net interest margin | 3.0068% | 3,328 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 1.8851% | 3,828 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0724% | 2,140 |
| Return on assets (ROA) | 1.0770% | 2,114 |
| Pretax return on assets | 1.3490% | 1,897 |
| Return on Equity (ROE) | 18.4400% | 885 |
| Retained earnings to average equity (ytd only) | 14.6050% | 601 |
| Net charge-offs to loans | -0.0066% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.1363% | 3,299 |
| Assets per employee ($millions) | 10.9556% | 506 |
| Cash dividends to net income (ytd only)* | 20.7856% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 3,485 |
| Loan loss allowance to noncurrent loans | 1,711.7117% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 2,623 |
| Noncurrent loans to loans | 0.0569% | 3,346 |
| Net loans and leases to total assets | 35.2600% | 4,209 |
| Net loans and leases to deposits | 38.3621% | 4,247 |
| Net loans and leases to core deposits | 52.0581% | 3,982 |
| Total domestic deposits to total assets | 91.9100% | 469 |
| Equity capital to assets | 5.6373% | 4,098 |
| Core capital (leverage) ratio | 9.1691% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $529,470,250 | 1,668 |
| Average earning assets | $499,970,250 | 1,634 |
| Average equity | $30,929,250 | 2,211 |
| Average total loans | $180,762,750 | 2,443 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 3,263 |
| Cost of funding earning assets | 1.2510% | 1,847 |
| Net interest margin | 2.9660% | 3,520 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 1.8954% | 3,830 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1142% | 2,084 |
| Return on assets (ROA) | 1.1212% | 2,056 |
| Pretax return on assets | 1.4032% | 1,805 |
| Return on Equity (ROE) | 18.9600% | 835 |
| Retained earnings to average equity (ytd only) | 13.2167% | 773 |
| Net charge-offs to loans | -0.0080% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.7246% | 3,334 |
| Assets per employee ($millions) | 10.7047% | 547 |
| Cash dividends to net income (ytd only)* | 30.2999% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 3,564 |
| Loan loss allowance to noncurrent loans | 1,563.3929% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 2,525 |
| Noncurrent loans to loans | 0.0615% | 3,259 |
| Net loans and leases to total assets | 33.7000% | 4,244 |
| Net loans and leases to deposits | 36.0568% | 4,294 |
| Net loans and leases to core deposits | 50.4294% | 4,005 |
| Total domestic deposits to total assets | 93.4600% | 188 |
| Equity capital to assets | 5.9604% | 4,170 |
| Core capital (leverage) ratio | 9.1069% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $523,367,333 | 1,680 |
| Average earning assets | $494,344,000 | 1,648 |
| Average equity | $30,945,667 | 2,225 |
| Average total loans | $176,001,333 | 2,480 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 3,197 |
| Cost of funding earning assets | 1.1346% | 1,649 |
| Net interest margin | 2.9922% | 3,621 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 1.8816% | 3,893 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2407% | 1,822 |
| Return on assets (ROA) | 1.2500% | 1,769 |
| Pretax return on assets | 1.5701% | 1,534 |
| Return on Equity (ROE) | 21.2300% | 643 |
| Retained earnings to average equity (ytd only) | 13.4963% | 1,007 |
| Net charge-offs to loans | -0.0093% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.6966% | 3,533 |
| Assets per employee ($millions) | 10.8229% | 538 |
| Cash dividends to net income (ytd only)* | 36.4255% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 3,771 |
| Loan loss allowance to noncurrent loans | 1,440.1786% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 2,483 |
| Noncurrent loans to loans | 0.0646% | 3,271 |
| Net loans and leases to total assets | 32.3900% | 4,314 |
| Net loans and leases to deposits | 34.6754% | 4,359 |
| Net loans and leases to core deposits | 45.9076% | 4,116 |
| Total domestic deposits to total assets | 93.4100% | 244 |
| Equity capital to assets | 5.9922% | 4,202 |
| Core capital (leverage) ratio | 9.1248% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $517,434,500 | 1,712 |
| Average earning assets | $489,671,000 | 1,679 |
| Average equity | $30,467,500 | 2,275 |
| Average total loans | $172,941,500 | 2,523 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3805% | 3,395 |
| Cost of funding earning assets | 0.4867% | 1,490 |
| Net interest margin | 2.8938% | 3,697 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.8802% | 3,874 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0128% | 2,517 |
| Return on assets (ROA) | 1.0110% | 2,479 |
| Pretax return on assets | 1.1963% | 2,446 |
| Return on Equity (ROE) | 15.0600% | 1,242 |
| Retained earnings to average equity (ytd only) | 10.9708% | 896 |
| Net charge-offs to loans | -0.0774% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.0734% | 2,900 |
| Assets per employee ($millions) | 10.5114% | 577 |
| Cash dividends to net income (ytd only)* | 27.1682% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 3,029 |
| Loan loss allowance to noncurrent loans | 1,868.6869% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 2,440 |
| Noncurrent loans to loans | 0.0574% | 3,349 |
| Net loans and leases to total assets | 33.8200% | 4,289 |
| Net loans and leases to deposits | 36.0445% | 4,342 |
| Net loans and leases to core deposits | 47.7243% | 4,067 |
| Total domestic deposits to total assets | 93.8400% | 259 |
| Equity capital to assets | 5.7788% | 4,161 |
| Core capital (leverage) ratio | 9.2217% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $473,309,800 | 1,789 |
| Average earning assets | $449,788,400 | 1,761 |
| Average equity | $31,766,200 | 2,257 |
| Average total loans | $151,157,000 | 2,622 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1703% | 3,503 |
| Cost of funding earning assets | 0.3503% | 1,697 |
| Net interest margin | 2.8199% | 3,691 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.9291% | 3,678 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8888% | 2,917 |
| Return on assets (ROA) | 0.8888% | 2,890 |
| Pretax return on assets | 1.0469% | 2,881 |
| Return on Equity (ROE) | 12.7600% | 1,786 |
| Retained earnings to average equity (ytd only) | 11.5281% | 911 |
| Net charge-offs to loans | -0.1051% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.8219% | 2,437 |
| Assets per employee ($millions) | 10.4373% | 573 |
| Cash dividends to net income (ytd only)* | 9.6681% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 2,805 |
| Loan loss allowance to noncurrent loans | 1,848.0000% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 2,469 |
| Noncurrent loans to loans | 0.0621% | 3,433 |
| Net loans and leases to total assets | 33.1500% | 4,337 |
| Net loans and leases to deposits | 35.2110% | 4,389 |
| Net loans and leases to core deposits | 40.8181% | 4,256 |
| Total domestic deposits to total assets | 94.1300% | 339 |
| Equity capital to assets | 5.4684% | 4,139 |
| Core capital (leverage) ratio | 9.5720% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $465,500,250 | 1,822 |
| Average earning assets | $442,598,250 | 1,790 |
| Average equity | $32,418,500 | 2,258 |
| Average total loans | $145,820,250 | 2,673 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9907% | 3,584 |
| Cost of funding earning assets | 0.3436% | 1,329 |
| Net interest margin | 2.6471% | 3,820 |
| Noninterest income to average assets | 0.2944% | 3,403 |
| Noninterest expense to average assets | 1.9378% | 3,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7403% | 3,177 |
| Return on assets (ROA) | 0.7403% | 3,133 |
| Pretax return on assets | 0.8753% | 3,136 |
| Return on Equity (ROE) | 9.8918% | 2,372 |
| Retained earnings to average equity (ytd only) | 9.8918% | 1,051 |
| Net charge-offs to loans | -0.0867% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8841% | 2,117 |
| Assets per employee ($millions) | 10.4615% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,355 |
| Loan loss allowance to noncurrent loans | 1,794.0000% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 2,531 |
| Noncurrent loans to loans | 0.0705% | 3,448 |
| Net loans and leases to total assets | 29.7446% | 4,467 |
| Net loans and leases to deposits | 31.7493% | 4,508 |
| Net loans and leases to core deposits | 36.6855% | 4,412 |
| Total domestic deposits to total assets | 93.6858% | 342 |
| Equity capital to assets | 5.9677% | 4,209 |
| Core capital (leverage) ratio | 9.3773% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $460,627,667 | 1,842 |
| Average earning assets | $438,295,000 | 1,817 |
| Average equity | $34,473,000 | 2,219 |
| Average total loans | $140,765,667 | 2,745 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9531% | 3,390 |
| Cost of funding earning assets | 0.3641% | 1,101 |
| Net interest margin | 2.5890% | 3,685 |
| Noninterest income to average assets | 0.3758% | 2,836 |
| Noninterest expense to average assets | 2.0204% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6893% | 3,099 |
| Return on assets (ROA) | 0.6893% | 3,088 |
| Pretax return on assets | 0.8280% | 3,019 |
| Return on Equity (ROE) | 8.3372% | 2,574 |
| Retained earnings to average equity (ytd only) | 8.3372% | 1,477 |
| Net charge-offs to loans | -0.0827% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9309% | 2,113 |
| Assets per employee ($millions) | 10.7241% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 2,492 |
| Loan loss allowance to noncurrent loans | 1,763.0000% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 2,624 |
| Noncurrent loans to loans | 0.0721% | 3,493 |
| Net loans and leases to total assets | 29.0156% | 4,476 |
| Net loans and leases to deposits | 31.1871% | 4,518 |
| Net loans and leases to core deposits | 35.7412% | 4,433 |
| Total domestic deposits to total assets | 93.0371% | 263 |
| Equity capital to assets | 6.6543% | 4,361 |
| Core capital (leverage) ratio | 9.6050% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $455,557,500 | 1,866 |
| Average earning assets | $435,063,500 | 1,840 |
| Average equity | $37,662,500 | 2,144 |
| Average total loans | $140,237,500 | 2,749 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1932% | 3,481 |
| Cost of funding earning assets | 0.4634% | 1,105 |
| Net interest margin | 2.7298% | 3,817 |
| Noninterest income to average assets | 0.2710% | 3,770 |
| Noninterest expense to average assets | 2.1285% | 3,310 |
| Loan and lease loss provision to assets | -0.0708% | 4,444 |
| Net operating income to assets | 0.6974% | 3,637 |
| Return on assets (ROA) | 0.6974% | 3,690 |
| Pretax return on assets | 0.8238% | 3,677 |
| Return on Equity (ROE) | 6.7873% | 3,572 |
| Retained earnings to average equity (ytd only) | 6.7873% | 2,006 |
| Net charge-offs to loans | -0.1569% | 4,669 |
| Credit loss provision to net charge-offs | 127.1186% | 1,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8664% | 1,320 |
| Assets per employee ($millions) | 8.6128% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,776 |
| Loan loss allowance to noncurrent loans | 1,576.3636% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 1,975 |
| Noncurrent loans to loans | 0.0776% | 3,543 |
| Net loans and leases to total assets | 31.8869% | 4,450 |
| Net loans and leases to deposits | 35.5848% | 4,488 |
| Net loans and leases to core deposits | 41.6282% | 4,351 |
| Total domestic deposits to total assets | 89.6083% | 1,164 |
| Equity capital to assets | 10.0001% | 2,656 |
| Core capital (leverage) ratio | 9.5424% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $423,998,000 | 1,917 |
| Average earning assets | $405,482,200 | 1,886 |
| Average equity | $43,566,600 | 1,961 |
| Average total loans | $150,391,000 | 2,627 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1796% | 3,639 |
| Cost of funding earning assets | 0.4799% | 1,158 |
| Net interest margin | 2.6998% | 3,973 |
| Noninterest income to average assets | 0.3100% | 3,574 |
| Noninterest expense to average assets | 2.0295% | 3,589 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7562% | 3,639 |
| Return on assets (ROA) | 0.7562% | 3,703 |
| Pretax return on assets | 0.8583% | 3,777 |
| Return on Equity (ROE) | 7.3079% | 3,586 |
| Retained earnings to average equity (ytd only) | 7.3079% | 2,305 |
| Net charge-offs to loans | -0.0472% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2780% | 1,573 |
| Assets per employee ($millions) | 8.6090% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,861 |
| Loan loss allowance to noncurrent loans | 658.7189% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 1,958 |
| Noncurrent loans to loans | 0.1862% | 3,203 |
| Net loans and leases to total assets | 33.9465% | 4,469 |
| Net loans and leases to deposits | 37.9409% | 4,521 |
| Net loans and leases to core deposits | 44.0679% | 4,376 |
| Total domestic deposits to total assets | 89.4722% | 1,024 |
| Equity capital to assets | 10.1189% | 2,790 |
| Core capital (leverage) ratio | 9.5338% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $420,183,750 | 1,944 |
| Average earning assets | $401,211,000 | 1,920 |
| Average equity | $43,476,750 | 1,988 |
| Average total loans | $152,539,000 | 2,649 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2030% | 3,676 |
| Cost of funding earning assets | 0.4941% | 1,238 |
| Net interest margin | 2.7089% | 3,962 |
| Noninterest income to average assets | 0.3508% | 3,357 |
| Noninterest expense to average assets | 2.0484% | 3,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7775% | 3,572 |
| Return on assets (ROA) | 0.7775% | 3,637 |
| Pretax return on assets | 0.8828% | 3,697 |
| Return on Equity (ROE) | 7.4560% | 3,543 |
| Retained earnings to average equity (ytd only) | 7.4560% | 2,272 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8813% | 1,654 |
| Assets per employee ($millions) | 8.4300% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,986 |
| Loan loss allowance to noncurrent loans | 630.5263% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 2,110 |
| Noncurrent loans to loans | 0.1890% | 3,288 |
| Net loans and leases to total assets | 33.9862% | 4,540 |
| Net loans and leases to deposits | 37.9274% | 4,581 |
| Net loans and leases to core deposits | 44.3651% | 4,447 |
| Total domestic deposits to total assets | 89.6085% | 975 |
| Equity capital to assets | 10.0121% | 2,835 |
| Core capital (leverage) ratio | 9.5877% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $413,892,333 | 1,955 |
| Average earning assets | $394,258,333 | 1,937 |
| Average equity | $43,159,667 | 1,984 |
| Average total loans | $153,086,667 | 2,653 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2508% | 3,573 |
| Cost of funding earning assets | 0.5159% | 1,298 |
| Net interest margin | 2.7350% | 3,892 |
| Noninterest income to average assets | 0.4581% | 2,795 |
| Noninterest expense to average assets | 2.1043% | 3,412 |
| Loan and lease loss provision to assets | 0.0398% | 2,248 |
| Net operating income to assets | 0.8086% | 3,396 |
| Return on assets (ROA) | 0.8086% | 3,468 |
| Pretax return on assets | 0.9222% | 3,555 |
| Return on Equity (ROE) | 7.5897% | 3,453 |
| Retained earnings to average equity (ytd only) | 7.5897% | 2,390 |
| Net charge-offs to loans | -0.0130% | 3,784 |
| Credit loss provision to net charge-offs | -800.0000% | 3,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6262% | 1,858 |
| Assets per employee ($millions) | 7.9554% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,918 |
| Loan loss allowance to noncurrent loans | 592.2830% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 2,194 |
| Noncurrent loans to loans | 0.2030% | 3,382 |
| Net loans and leases to total assets | 36.5856% | 4,478 |
| Net loans and leases to deposits | 40.8605% | 4,534 |
| Net loans and leases to core deposits | 48.1260% | 4,370 |
| Total domestic deposits to total assets | 89.5378% | 1,051 |
| Equity capital to assets | 10.1400% | 2,563 |
| Core capital (leverage) ratio | 10.1486% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $401,658,500 | 1,988 |
| Average earning assets | $383,040,000 | 1,961 |
| Average equity | $42,795,000 | 1,993 |
| Average total loans | $154,240,500 | 2,651 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8689% | 3,115 |
| Cost of funding earning assets | 0.6460% | 2,019 |
| Net interest margin | 3.2230% | 3,294 |
| Noninterest income to average assets | 0.2876% | 3,764 |
| Noninterest expense to average assets | 2.3536% | 3,261 |
| Loan and lease loss provision to assets | 0.0655% | 3,559 |
| Net operating income to assets | 0.7710% | 3,199 |
| Return on assets (ROA) | 1.1263% | 1,939 |
| Pretax return on assets | 1.3541% | 1,805 |
| Return on Equity (ROE) | 10.2121% | 1,927 |
| Retained earnings to average equity (ytd only) | 9.9177% | 600 |
| Net charge-offs to loans | -0.0301% | 4,539 |
| Credit loss provision to net charge-offs | -489.7959% | 3,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3589% | 1,900 |
| Assets per employee ($millions) | 7.2155% | 1,441 |
| Cash dividends to net income (ytd only)* | 2.8828% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 3,175 |
| Loan loss allowance to noncurrent loans | 593.3993% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.6914% | 1,506 |
| Noncurrent loans to loans | 0.1951% | 3,508 |
| Net loans and leases to total assets | 39.3940% | 4,463 |
| Net loans and leases to deposits | 44.6509% | 4,507 |
| Net loans and leases to core deposits | 53.5928% | 4,280 |
| Total domestic deposits to total assets | 88.2268% | 1,362 |
| Equity capital to assets | 11.2066% | 2,093 |
| Core capital (leverage) ratio | 10.3179% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,507,800 | 1,979 |
| Average earning assets | $347,692,000 | 1,944 |
| Average equity | $40,422,600 | 2,008 |
| Average total loans | $162,609,400 | 2,550 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9854% | 3,015 |
| Cost of funding earning assets | 0.6722% | 2,191 |
| Net interest margin | 3.3133% | 3,146 |
| Noninterest income to average assets | 0.3334% | 3,483 |
| Noninterest expense to average assets | 2.3711% | 3,215 |
| Loan and lease loss provision to assets | 0.0740% | 3,396 |
| Net operating income to assets | 0.8551% | 2,887 |
| Return on assets (ROA) | 1.1174% | 2,042 |
| Pretax return on assets | 1.3473% | 1,885 |
| Return on Equity (ROE) | 10.1751% | 1,960 |
| Retained earnings to average equity (ytd only) | 9.7746% | 810 |
| Net charge-offs to loans | -0.0405% | 4,617 |
| Credit loss provision to net charge-offs | -400.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2084% | 2,158 |
| Assets per employee ($millions) | 7.0540% | 1,463 |
| Cash dividends to net income (ytd only)* | 3.9365% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 3,496 |
| Loan loss allowance to noncurrent loans | 103.7168% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.0785% | 985 |
| Noncurrent loans to loans | 1.0075% | 1,483 |
| Net loans and leases to total assets | 44.5308% | 4,397 |
| Net loans and leases to deposits | 50.4847% | 4,474 |
| Net loans and leases to core deposits | 60.5317% | 4,175 |
| Total domestic deposits to total assets | 88.2064% | 1,108 |
| Equity capital to assets | 11.2506% | 2,191 |
| Core capital (leverage) ratio | 10.2626% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $360,725,250 | 1,975 |
| Average earning assets | $342,170,500 | 1,951 |
| Average equity | $39,612,000 | 2,028 |
| Average total loans | $164,438,750 | 2,536 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 3,057 |
| Cost of funding earning assets | 0.6909% | 2,440 |
| Net interest margin | 3.4081% | 3,073 |
| Noninterest income to average assets | 0.3356% | 3,460 |
| Noninterest expense to average assets | 2.3898% | 3,282 |
| Loan and lease loss provision to assets | 0.0477% | 3,703 |
| Net operating income to assets | 0.9410% | 2,536 |
| Return on assets (ROA) | 1.0192% | 2,383 |
| Pretax return on assets | 1.2235% | 2,280 |
| Return on Equity (ROE) | 9.3620% | 2,218 |
| Retained earnings to average equity (ytd only) | 9.3620% | 922 |
| Net charge-offs to loans | -0.0564% | 4,713 |
| Credit loss provision to net charge-offs | -184.7826% | 3,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0024% | 2,377 |
| Assets per employee ($millions) | 7.1269% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 3,780 |
| Loan loss allowance to noncurrent loans | 96.2419% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 1,006 |
| Noncurrent loans to loans | 0.9922% | 1,564 |
| Net loans and leases to total assets | 45.0053% | 4,403 |
| Net loans and leases to deposits | 50.7906% | 4,502 |
| Net loans and leases to core deposits | 60.9501% | 4,212 |
| Total domestic deposits to total assets | 88.6097% | 904 |
| Equity capital to assets | 10.8847% | 2,437 |
| Core capital (leverage) ratio | 9.9515% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,346,000 | 1,977 |
| Average earning assets | $337,842,333 | 1,954 |
| Average equity | $38,795,333 | 2,047 |
| Average total loans | $163,171,000 | 2,540 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 3,306 |
| Cost of funding earning assets | 0.7166% | 2,862 |
| Net interest margin | 3.4585% | 3,128 |
| Noninterest income to average assets | 0.4189% | 2,975 |
| Noninterest expense to average assets | 2.4313% | 3,470 |
| Loan and lease loss provision to assets | 0.0579% | 3,034 |
| Net operating income to assets | 1.0273% | 2,083 |
| Return on assets (ROA) | 1.0450% | 2,120 |
| Pretax return on assets | 1.2232% | 2,117 |
| Return on Equity (ROE) | 9.5972% | 1,877 |
| Retained earnings to average equity (ytd only) | 9.5972% | 824 |
| Net charge-offs to loans | -0.0101% | 4,083 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8621% | 2,989 |
| Assets per employee ($millions) | 6.6914% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 3,743 |
| Loan loss allowance to noncurrent loans | 525.9259% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.8183% | 1,652 |
| Noncurrent loans to loans | 0.1892% | 3,796 |
| Net loans and leases to total assets | 43.8198% | 4,515 |
| Net loans and leases to deposits | 49.4586% | 4,611 |
| Net loans and leases to core deposits | 59.4977% | 4,379 |
| Total domestic deposits to total assets | 88.5988% | 836 |
| Equity capital to assets | 11.0003% | 2,852 |
| Core capital (leverage) ratio | 10.5275% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,657,000 | 1,976 |
| Average earning assets | $327,077,500 | 1,947 |
| Average equity | $37,636,000 | 2,084 |
| Average total loans | $158,939,000 | 2,550 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 3,598 |
| Cost of funding earning assets | 0.7035% | 3,145 |
| Net interest margin | 3.5747% | 3,218 |
| Noninterest income to average assets | 0.3571% | 3,562 |
| Noninterest expense to average assets | 2.6044% | 3,164 |
| Loan and lease loss provision to assets | -0.0410% | 5,001 |
| Net operating income to assets | 0.8841% | 3,273 |
| Return on assets (ROA) | 1.0146% | 2,882 |
| Pretax return on assets | 1.2442% | 2,686 |
| Return on Equity (ROE) | 9.8397% | 2,367 |
| Retained earnings to average equity (ytd only) | 9.1653% | 673 |
| Net charge-offs to loans | -0.1901% | 5,053 |
| Credit loss provision to net charge-offs | 48.7365% | 3,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3834% | 1,963 |
| Assets per employee ($millions) | 6.3522% | 1,383 |
| Cash dividends to net income (ytd only)* | 6.8542% | 3,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 3,795 |
| Loan loss allowance to noncurrent loans | 1,188.1890% | 502 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 1,134 |
| Noncurrent loans to loans | 0.0789% | 4,208 |
| Net loans and leases to total assets | 47.3469% | 4,463 |
| Net loans and leases to deposits | 53.2869% | 4,562 |
| Net loans and leases to core deposits | 64.5075% | 4,258 |
| Total domestic deposits to total assets | 88.8528% | 724 |
| Equity capital to assets | 10.7703% | 3,210 |
| Core capital (leverage) ratio | 10.3837% | 3,089 |
| Tier 1 risk-based capital ratio | 18.2441% | 1,701 |
| Total risk-based capital ratio | 19.0287% | 1,772 |
| Memoranda: | ||
| Average total assets | $329,287,800 | 1,988 |
| Average earning assets | $303,188,200 | 2,003 |
| Average equity | $33,954,200 | 2,189 |
| Average total loans | $145,681,600 | 2,658 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 3,743 |
| Cost of funding earning assets | 0.6878% | 3,270 |
| Net interest margin | 3.5837% | 3,294 |
| Noninterest income to average assets | 0.5183% | 2,617 |
| Noninterest expense to average assets | 2.6133% | 3,130 |
| Loan and lease loss provision to assets | -0.0672% | 5,135 |
| Net operating income to assets | 1.0279% | 2,873 |
| Return on assets (ROA) | 1.0306% | 2,941 |
| Pretax return on assets | 1.2554% | 2,798 |
| Return on Equity (ROE) | 10.1103% | 2,382 |
| Retained earnings to average equity (ytd only) | 9.6389% | 852 |
| Net charge-offs to loans | -0.2594% | 5,140 |
| Credit loss provision to net charge-offs | 59.7826% | 2,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8036% | 2,287 |
| Assets per employee ($millions) | 6.3026% | 1,388 |
| Cash dividends to net income (ytd only)* | 4.6622% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 3,631 |
| Loan loss allowance to noncurrent loans | 1,154.6875% | 524 |
| Noncurrent assets plus other real estate owned to assets | 2.7413% | 221 |
| Noncurrent loans to loans | 0.0856% | 4,261 |
| Net loans and leases to total assets | 44.3009% | 4,682 |
| Net loans and leases to deposits | 49.8649% | 4,777 |
| Net loans and leases to core deposits | 61.8944% | 4,460 |
| Total domestic deposits to total assets | 88.8420% | 675 |
| Equity capital to assets | 10.7850% | 3,308 |
| Core capital (leverage) ratio | 10.3460% | 3,263 |
| Tier 1 risk-based capital ratio | 18.1301% | 1,778 |
| Total risk-based capital ratio | 18.9303% | 1,867 |
| Memoranda: | ||
| Average total assets | $327,442,750 | 2,005 |
| Average earning assets | $299,683,000 | 2,034 |
| Average equity | $33,377,750 | 2,234 |
| Average total loans | $141,874,250 | 2,729 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 3,795 |
| Cost of funding earning assets | 0.6478% | 3,423 |
| Net interest margin | 3.6015% | 3,249 |
| Noninterest income to average assets | 0.5239% | 2,545 |
| Noninterest expense to average assets | 2.6282% | 3,124 |
| Loan and lease loss provision to assets | -0.1445% | 5,233 |
| Net operating income to assets | 1.0814% | 2,594 |
| Return on assets (ROA) | 1.0853% | 2,647 |
| Pretax return on assets | 1.3338% | 2,429 |
| Return on Equity (ROE) | 10.8632% | 2,036 |
| Retained earnings to average equity (ytd only) | 10.1369% | 718 |
| Net charge-offs to loans | -0.3918% | 5,209 |
| Credit loss provision to net charge-offs | 86.0806% | 2,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9355% | 2,387 |
| Assets per employee ($millions) | 6.2752% | 1,356 |
| Cash dividends to net income (ytd only)* | 6.6856% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 3,652 |
| Loan loss allowance to noncurrent loans | 1,063.6364% | 564 |
| Noncurrent assets plus other real estate owned to assets | 3.0639% | 189 |
| Noncurrent loans to loans | 0.0936% | 4,262 |
| Net loans and leases to total assets | 41.9736% | 4,781 |
| Net loans and leases to deposits | 47.0223% | 4,874 |
| Net loans and leases to core deposits | 56.2677% | 4,708 |
| Total domestic deposits to total assets | 89.2630% | 560 |
| Equity capital to assets | 10.4009% | 3,603 |
| Core capital (leverage) ratio | 10.2023% | 3,380 |
| Tier 1 risk-based capital ratio | 18.4190% | 1,697 |
| Total risk-based capital ratio | 19.2129% | 1,774 |
| Memoranda: | ||
| Average total assets | $325,244,330 | 2,026 |
| Average earning assets | $296,990,670 | 2,054 |
| Average equity | $32,495,000 | 2,275 |
| Average total loans | $139,345,670 | 2,776 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 3,751 |
| Cost of funding earning assets | 0.5894% | 3,629 |
| Net interest margin | 3.6497% | 3,074 |
| Noninterest income to average assets | 0.5510% | 2,285 |
| Noninterest expense to average assets | 2.5637% | 3,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0600% | 2,623 |
| Return on assets (ROA) | 1.0660% | 2,646 |
| Pretax return on assets | 1.3148% | 2,390 |
| Return on Equity (ROE) | 10.9011% | 1,981 |
| Retained earnings to average equity (ytd only) | 10.9011% | 822 |
| Net charge-offs to loans | -0.0202% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2275% | 2,914 |
| Assets per employee ($millions) | 6.1572% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 3,842 |
| Loan loss allowance to noncurrent loans | 1,017.0370% | 595 |
| Noncurrent assets plus other real estate owned to assets | 3.2081% | 181 |
| Noncurrent loans to loans | 0.0959% | 4,319 |
| Net loans and leases to total assets | 42.7070% | 4,804 |
| Net loans and leases to deposits | 47.5498% | 4,884 |
| Net loans and leases to core deposits | 56.2034% | 4,707 |
| Total domestic deposits to total assets | 89.8153% | 522 |
| Equity capital to assets | 10.0033% | 3,823 |
| Core capital (leverage) ratio | 10.1863% | 3,406 |
| Tier 1 risk-based capital ratio | 17.5713% | 1,921 |
| Total risk-based capital ratio | 18.3342% | 2,026 |
| Memoranda: | ||
| Average total assets | $321,572,500 | 2,055 |
| Average earning assets | $292,517,000 | 2,096 |
| Average equity | $31,446,500 | 2,335 |
| Average total loans | $138,517,000 | 2,808 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1270% | 3,658 |
| Cost of funding earning assets | 0.4956% | 3,387 |
| Net interest margin | 3.6314% | 3,275 |
| Noninterest income to average assets | 0.4226% | 3,293 |
| Noninterest expense to average assets | 2.5552% | 3,453 |
| Loan and lease loss provision to assets | -0.1230% | 5,287 |
| Net operating income to assets | 0.9925% | 3,042 |
| Return on assets (ROA) | 0.9912% | 3,045 |
| Pretax return on assets | 1.2420% | 2,733 |
| Return on Equity (ROE) | 10.5282% | 2,269 |
| Retained earnings to average equity (ytd only) | 10.1172% | 600 |
| Net charge-offs to loans | -0.0426% | 4,925 |
| Credit loss provision to net charge-offs | 657.8947% | 529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5121% | 2,283 |
| Assets per employee ($millions) | 5.9776% | 1,533 |
| Cash dividends to net income (ytd only)* | 3.9034% | 3,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 3,667 |
| Loan loss allowance to noncurrent loans | 911.3333% | 669 |
| Noncurrent assets plus other real estate owned to assets | 4.1381% | 105 |
| Noncurrent loans to loans | 0.1101% | 4,236 |
| Net loans and leases to total assets | 42.5890% | 4,862 |
| Net loans and leases to deposits | 47.1702% | 4,952 |
| Net loans and leases to core deposits | 55.6689% | 4,790 |
| Total domestic deposits to total assets | 90.2879% | 388 |
| Equity capital to assets | 9.5479% | 4,088 |
| Core capital (leverage) ratio | 10.0748% | 3,491 |
| Tier 1 risk-based capital ratio | 17.2024% | 1,995 |
| Total risk-based capital ratio | 17.9696% | 2,108 |
| Memoranda: | ||
| Average total assets | $304,987,400 | 2,128 |
| Average earning assets | $273,224,800 | 2,173 |
| Average equity | $28,713,400 | 2,415 |
| Average total loans | $133,814,200 | 2,836 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 3,696 |
| Cost of funding earning assets | 0.4797% | 3,330 |
| Net interest margin | 3.6015% | 3,355 |
| Noninterest income to average assets | 0.3916% | 3,535 |
| Noninterest expense to average assets | 2.4933% | 3,617 |
| Loan and lease loss provision to assets | -0.1655% | 5,390 |
| Net operating income to assets | 1.0311% | 2,957 |
| Return on assets (ROA) | 1.0308% | 2,971 |
| Pretax return on assets | 1.2815% | 2,690 |
| Return on Equity (ROE) | 10.9895% | 2,179 |
| Retained earnings to average equity (ytd only) | 10.4341% | 784 |
| Net charge-offs to loans | -0.0200% | 4,622 |
| Credit loss provision to net charge-offs | 1,875.0000% | 223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0718% | 2,345 |
| Assets per employee ($millions) | 5.8444% | 1,613 |
| Cash dividends to net income (ytd only)* | 5.0535% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 3,874 |
| Loan loss allowance to noncurrent loans | 411.4551% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 4.3228% | 106 |
| Noncurrent loans to loans | 0.2389% | 3,843 |
| Net loans and leases to total assets | 43.2173% | 4,909 |
| Net loans and leases to deposits | 47.7374% | 5,020 |
| Net loans and leases to core deposits | 56.1704% | 4,843 |
| Total domestic deposits to total assets | 90.5315% | 330 |
| Equity capital to assets | 9.2319% | 4,344 |
| Core capital (leverage) ratio | 10.1612% | 3,451 |
| Tier 1 risk-based capital ratio | 16.9393% | 2,126 |
| Total risk-based capital ratio | 17.6918% | 2,234 |
| Memoranda: | ||
| Average total assets | $302,031,250 | 2,150 |
| Average earning assets | $269,883,250 | 2,210 |
| Average equity | $28,329,500 | 2,445 |
| Average total loans | $133,194,250 | 2,863 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 3,633 |
| Cost of funding earning assets | 0.4775% | 3,174 |
| Net interest margin | 3.5667% | 3,420 |
| Noninterest income to average assets | 0.5223% | 2,736 |
| Noninterest expense to average assets | 2.4651% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9918% | 3,062 |
| Return on assets (ROA) | 0.9918% | 3,063 |
| Pretax return on assets | 1.2349% | 2,791 |
| Return on Equity (ROE) | 10.5167% | 2,327 |
| Retained earnings to average equity (ytd only) | 9.6811% | 1,016 |
| Net charge-offs to loans | -0.0211% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6245% | 2,872 |
| Assets per employee ($millions) | 5.6825% | 1,734 |
| Cash dividends to net income (ytd only)* | 7.9461% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 2,080 |
| Loan loss allowance to noncurrent loans | 324.0458% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 4.9529% | 92 |
| Noncurrent loans to loans | 0.4071% | 3,239 |
| Net loans and leases to total assets | 42.1785% | 4,979 |
| Net loans and leases to deposits | 46.6278% | 5,071 |
| Net loans and leases to core deposits | 55.1690% | 4,891 |
| Total domestic deposits to total assets | 90.4577% | 412 |
| Equity capital to assets | 9.3799% | 4,204 |
| Core capital (leverage) ratio | 10.0426% | 3,533 |
| Tier 1 risk-based capital ratio | 17.5657% | 1,925 |
| Total risk-based capital ratio | 18.5848% | 1,942 |
| Memoranda: | ||
| Average total assets | $299,457,330 | 2,173 |
| Average earning assets | $266,802,670 | 2,236 |
| Average equity | $28,240,670 | 2,458 |
| Average total loans | $132,527,000 | 2,882 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,611 |
| Cost of funding earning assets | 0.4763% | 2,996 |
| Net interest margin | 3.5225% | 3,452 |
| Noninterest income to average assets | 0.5546% | 2,502 |
| Noninterest expense to average assets | 2.4943% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9565% | 3,046 |
| Return on assets (ROA) | 0.9565% | 3,062 |
| Pretax return on assets | 1.1909% | 2,793 |
| Return on Equity (ROE) | 10.1147% | 2,374 |
| Retained earnings to average equity (ytd only) | 10.1147% | 1,129 |
| Net charge-offs to loans | -0.0179% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6845% | 2,883 |
| Assets per employee ($millions) | 5.6704% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,431 |
| Loan loss allowance to noncurrent loans | 339.5582% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 5.2417% | 91 |
| Noncurrent loans to loans | 0.3725% | 3,446 |
| Net loans and leases to total assets | 43.9274% | 4,901 |
| Net loans and leases to deposits | 48.4811% | 5,025 |
| Net loans and leases to core deposits | 57.2162% | 4,784 |
| Total domestic deposits to total assets | 90.6073% | 439 |
| Equity capital to assets | 9.2616% | 4,307 |
| Core capital (leverage) ratio | 9.8998% | 3,651 |
| Tier 1 risk-based capital ratio | 17.3603% | 2,012 |
| Total risk-based capital ratio | 18.3851% | 2,036 |
| Memoranda: | ||
| Average total assets | $298,598,500 | 2,200 |
| Average earning assets | $265,376,500 | 2,268 |
| Average equity | $28,236,000 | 2,484 |
| Average total loans | $134,426,000 | 2,881 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 3,178 |
| Cost of funding earning assets | 0.4881% | 2,440 |
| Net interest margin | 3.5800% | 3,238 |
| Noninterest income to average assets | 0.4911% | 3,054 |
| Noninterest expense to average assets | 2.4422% | 3,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7786% | 3,255 |
| Return on assets (ROA) | 0.7932% | 3,237 |
| Pretax return on assets | 1.2600% | 2,508 |
| Return on Equity (ROE) | 8.3033% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.1221% | 723 |
| Net charge-offs to loans | 0.0172% | 3,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 148.9583% | 481 |
| Efficiency ratio | 66.3751% | 3,194 |
| Assets per employee ($millions) | 5.4938% | 1,944 |
| Cash dividends to net income (ytd only)* | 2.1815% | 4,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,498 |
| Loan loss allowance to noncurrent loans | 318.3365% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 5.3633% | 82 |
| Noncurrent loans to loans | 0.3914% | 3,356 |
| Net loans and leases to total assets | 44.9871% | 4,936 |
| Net loans and leases to deposits | 49.8935% | 5,063 |
| Net loans and leases to core deposits | 59.0483% | 4,799 |
| Total domestic deposits to total assets | 90.1663% | 512 |
| Equity capital to assets | 9.6533% | 4,082 |
| Core capital (leverage) ratio | 9.6870% | 3,829 |
| Tier 1 risk-based capital ratio | 16.9667% | 2,109 |
| Total risk-based capital ratio | 17.9910% | 2,130 |
| Memoranda: | ||
| Average total assets | $288,960,600 | 2,228 |
| Average earning assets | $257,345,400 | 2,297 |
| Average equity | $27,603,600 | 2,513 |
| Average total loans | $139,678,600 | 2,786 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0594% | 3,141 |
| Cost of funding earning assets | 0.4857% | 2,385 |
| Net interest margin | 3.5737% | 3,248 |
| Noninterest income to average assets | 0.4678% | 3,232 |
| Noninterest expense to average assets | 2.3002% | 4,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9141% | 2,948 |
| Return on assets (ROA) | 0.9327% | 2,926 |
| Pretax return on assets | 1.3801% | 2,173 |
| Return on Equity (ROE) | 9.7907% | 2,213 |
| Retained earnings to average equity (ytd only) | 9.5469% | 693 |
| Net charge-offs to loans | -0.0161% | 4,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9705% | 3,714 |
| Assets per employee ($millions) | 5.4542% | 1,971 |
| Cash dividends to net income (ytd only)* | 2.4902% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 2,861 |
| Loan loss allowance to noncurrent loans | 121.3934% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 5.5962% | 80 |
| Noncurrent loans to loans | 0.9982% | 1,940 |
| Net loans and leases to total assets | 48.6517% | 4,788 |
| Net loans and leases to deposits | 54.0947% | 4,961 |
| Net loans and leases to core deposits | 63.8758% | 4,611 |
| Total domestic deposits to total assets | 89.9381% | 495 |
| Equity capital to assets | 9.9273% | 3,999 |
| Core capital (leverage) ratio | 9.7819% | 3,844 |
| Tier 1 risk-based capital ratio | 16.5228% | 2,318 |
| Total risk-based capital ratio | 17.5629% | 2,327 |
| Memoranda: | ||
| Average total assets | $287,034,500 | 2,257 |
| Average earning assets | $255,824,750 | 2,323 |
| Average equity | $27,345,000 | 2,544 |
| Average total loans | $140,812,000 | 2,789 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0182% | 3,143 |
| Cost of funding earning assets | 0.4825% | 2,308 |
| Net interest margin | 3.5357% | 3,274 |
| Noninterest income to average assets | 0.5706% | 2,597 |
| Noninterest expense to average assets | 2.3167% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9508% | 2,655 |
| Return on assets (ROA) | 0.9582% | 2,678 |
| Pretax return on assets | 1.4227% | 1,926 |
| Return on Equity (ROE) | 10.2029% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.2029% | 545 |
| Net charge-offs to loans | -0.0285% | 4,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1394% | 3,971 |
| Assets per employee ($millions) | 5.3777% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,894 |
| Loan loss allowance to noncurrent loans | 111.5558% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 6.3227% | 65 |
| Noncurrent loans to loans | 1.0938% | 1,792 |
| Net loans and leases to total assets | 48.1706% | 4,815 |
| Net loans and leases to deposits | 53.4346% | 4,996 |
| Net loans and leases to core deposits | 62.8783% | 4,673 |
| Total domestic deposits to total assets | 90.1487% | 487 |
| Equity capital to assets | 9.7115% | 4,214 |
| Core capital (leverage) ratio | 9.4673% | 4,162 |
| Tier 1 risk-based capital ratio | 16.0603% | 2,479 |
| Total risk-based capital ratio | 17.1052% | 2,503 |
| Memoranda: | ||
| Average total assets | $286,355,670 | 2,267 |
| Average earning assets | $255,734,330 | 2,335 |
| Average equity | $26,894,330 | 2,570 |
| Average total loans | $140,295,000 | 2,799 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8969% | 3,411 |
| Cost of funding earning assets | 0.4365% | 2,652 |
| Net interest margin | 3.4604% | 3,418 |
| Noninterest income to average assets | 0.4642% | 3,227 |
| Noninterest expense to average assets | 2.3353% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8319% | 3,071 |
| Return on assets (ROA) | 0.8300% | 3,135 |
| Pretax return on assets | 1.2155% | 2,530 |
| Return on Equity (ROE) | 8.9937% | 2,427 |
| Retained earnings to average equity (ytd only) | 8.9937% | 1,087 |
| Net charge-offs to loans | -0.0258% | 4,864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7165% | 3,546 |
| Assets per employee ($millions) | 5.4926% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 3,094 |
| Loan loss allowance to noncurrent loans | 81.6453% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 6.4787% | 69 |
| Noncurrent loans to loans | 1.4771% | 1,363 |
| Net loans and leases to total assets | 48.3161% | 4,797 |
| Net loans and leases to deposits | 53.2746% | 4,979 |
| Net loans and leases to core deposits | 62.2828% | 4,633 |
| Total domestic deposits to total assets | 90.6925% | 393 |
| Equity capital to assets | 9.1828% | 4,632 |
| Core capital (leverage) ratio | 9.3035% | 4,339 |
| Tier 1 risk-based capital ratio | 15.2991% | 2,836 |
| Total risk-based capital ratio | 16.3326% | 2,860 |
| Memoranda: | ||
| Average total assets | $284,335,000 | 2,297 |
| Average earning assets | $253,840,500 | 2,368 |
| Average equity | $26,240,500 | 2,621 |
| Average total loans | $139,635,500 | 2,828 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9269% | 3,469 |
| Cost of funding earning assets | 0.4751% | 2,306 |
| Net interest margin | 3.4517% | 3,622 |
| Noninterest income to average assets | 0.6044% | 2,637 |
| Noninterest expense to average assets | 2.4900% | 4,048 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7719% | 3,445 |
| Return on assets (ROA) | 0.7869% | 3,471 |
| Pretax return on assets | 1.1620% | 2,846 |
| Return on Equity (ROE) | 8.2667% | 2,801 |
| Retained earnings to average equity (ytd only) | 7.8749% | 890 |
| Net charge-offs to loans | 0.1444% | 1,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 15.7475% | 2,180 |
| Efficiency ratio | 68.5939% | 3,151 |
| Assets per employee ($millions) | 5.1400% | 2,244 |
| Cash dividends to net income (ytd only)* | 4.7398% | 4,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,836 |
| Loan loss allowance to noncurrent loans | 108.8591% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 6.6526% | 77 |
| Noncurrent loans to loans | 1.1461% | 1,789 |
| Net loans and leases to total assets | 48.7077% | 4,849 |
| Net loans and leases to deposits | 53.7504% | 5,024 |
| Net loans and leases to core deposits | 63.6576% | 4,657 |
| Total domestic deposits to total assets | 90.6183% | 411 |
| Equity capital to assets | 9.2768% | 4,497 |
| Core capital (leverage) ratio | 9.2034% | 4,475 |
| Tier 1 risk-based capital ratio | 15.4406% | 2,766 |
| Total risk-based capital ratio | 16.5083% | 2,791 |
| Memoranda: | ||
| Average total assets | $273,490,200 | 2,335 |
| Average earning assets | $239,734,000 | 2,439 |
| Average equity | $26,032,200 | 2,632 |
| Average total loans | $137,138,600 | 2,815 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9260% | 3,506 |
| Cost of funding earning assets | 0.4752% | 2,317 |
| Net interest margin | 3.4508% | 3,667 |
| Noninterest income to average assets | 0.6078% | 2,623 |
| Noninterest expense to average assets | 2.4310% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7917% | 3,407 |
| Return on assets (ROA) | 0.8103% | 3,460 |
| Pretax return on assets | 1.2180% | 2,765 |
| Return on Equity (ROE) | 8.4586% | 2,780 |
| Retained earnings to average equity (ytd only) | 7.9376% | 1,200 |
| Net charge-offs to loans | 0.2857% | 801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.2721% | 2,785 |
| Efficiency ratio | 67.1351% | 3,399 |
| Assets per employee ($millions) | 5.0834% | 2,274 |
| Cash dividends to net income (ytd only)* | 6.1596% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 3,042 |
| Loan loss allowance to noncurrent loans | 99.1390% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 7.0089% | 73 |
| Noncurrent loans to loans | 1.2441% | 1,799 |
| Net loans and leases to total assets | 46.1697% | 5,085 |
| Net loans and leases to deposits | 51.2143% | 5,243 |
| Net loans and leases to core deposits | 59.9760% | 4,934 |
| Total domestic deposits to total assets | 90.1501% | 429 |
| Equity capital to assets | 9.6990% | 4,466 |
| Core capital (leverage) ratio | 8.9981% | 4,831 |
| Tier 1 risk-based capital ratio | 15.5143% | 2,825 |
| Total risk-based capital ratio | 16.5597% | 2,842 |
| Memoranda: | ||
| Average total assets | $272,472,250 | 2,350 |
| Average earning assets | $237,927,750 | 2,452 |
| Average equity | $26,103,000 | 2,652 |
| Average total loans | $137,197,750 | 2,822 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9172% | 3,548 |
| Cost of funding earning assets | 0.4851% | 2,226 |
| Net interest margin | 3.4321% | 3,754 |
| Noninterest income to average assets | 0.6035% | 2,603 |
| Noninterest expense to average assets | 2.4857% | 4,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7309% | 3,646 |
| Return on assets (ROA) | 0.7582% | 3,654 |
| Pretax return on assets | 1.1403% | 3,040 |
| Return on Equity (ROE) | 7.9488% | 3,003 |
| Retained earnings to average equity (ytd only) | 7.1570% | 1,528 |
| Net charge-offs to loans | 0.3100% | 766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.8704% | 2,691 |
| Efficiency ratio | 69.3452% | 3,088 |
| Assets per employee ($millions) | 4.9620% | 2,342 |
| Cash dividends to net income (ytd only)* | 9.9609% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 3,252 |
| Loan loss allowance to noncurrent loans | 83.5393% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 7.9733% | 66 |
| Noncurrent loans to loans | 1.4599% | 1,513 |
| Net loans and leases to total assets | 50.1572% | 4,832 |
| Net loans and leases to deposits | 55.6213% | 5,043 |
| Net loans and leases to core deposits | 65.6200% | 4,640 |
| Total domestic deposits to total assets | 90.1762% | 421 |
| Equity capital to assets | 9.6874% | 4,565 |
| Core capital (leverage) ratio | 8.7427% | 5,116 |
| Tier 1 risk-based capital ratio | 14.0689% | 3,563 |
| Total risk-based capital ratio | 15.1020% | 3,609 |
| Memoranda: | ||
| Average total assets | $270,101,000 | 2,382 |
| Average earning assets | $234,608,000 | 2,501 |
| Average equity | $25,765,000 | 2,688 |
| Average total loans | $139,365,000 | 2,802 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 3,517 |
| Cost of funding earning assets | 0.5084% | 2,038 |
| Net interest margin | 3.4103% | 3,837 |
| Noninterest income to average assets | 0.6089% | 2,472 |
| Noninterest expense to average assets | 2.5412% | 3,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6744% | 3,851 |
| Return on assets (ROA) | 0.6744% | 3,971 |
| Pretax return on assets | 1.0138% | 3,428 |
| Return on Equity (ROE) | 7.1259% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.1259% | 1,831 |
| Net charge-offs to loans | 0.3692% | 600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.2791% | 2,340 |
| Efficiency ratio | 71.4824% | 2,874 |
| Assets per employee ($millions) | 4.8733% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 3,020 |
| Loan loss allowance to noncurrent loans | 47.7945% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 9.4501% | 57 |
| Noncurrent loans to loans | 2.6698% | 674 |
| Net loans and leases to total assets | 51.2943% | 4,705 |
| Net loans and leases to deposits | 56.8520% | 4,927 |
| Net loans and leases to core deposits | 66.8866% | 4,480 |
| Total domestic deposits to total assets | 90.2242% | 516 |
| Equity capital to assets | 9.6415% | 4,513 |
| Core capital (leverage) ratio | 8.5989% | 5,292 |
| Tier 1 risk-based capital ratio | 13.6715% | 3,889 |
| Total risk-based capital ratio | 14.7572% | 3,898 |
| Memoranda: | ||
| Average total assets | $268,696,500 | 2,395 |
| Average earning assets | $232,120,000 | 2,527 |
| Average equity | $25,428,500 | 2,710 |
| Average total loans | $139,760,500 | 2,789 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 2,870 |
| Cost of funding earning assets | 0.7319% | 698 |
| Net interest margin | 3.3803% | 3,985 |
| Noninterest income to average assets | 1.3267% | 681 |
| Noninterest expense to average assets | 3.0821% | 2,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.0569% | 316 |
| Return on assets (ROA) | 2.0569% | 327 |
| Pretax return on assets | 1.1321% | 2,915 |
| Return on Equity (ROE) | 25.4319% | 96 |
| Retained earnings to average equity (ytd only) | 25.4319% | 39 |
| Net charge-offs to loans | -0.0631% | 5,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1369% | 2,723 |
| Assets per employee ($millions) | 4.8975% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 2,623 |
| Loan loss allowance to noncurrent loans | 65.1401% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 9.4972% | 59 |
| Noncurrent loans to loans | 2.0861% | 984 |
| Net loans and leases to total assets | 51.3634% | 4,746 |
| Net loans and leases to deposits | 56.7259% | 5,000 |
| Net loans and leases to core deposits | 66.2974% | 4,567 |
| Total domestic deposits to total assets | 90.5466% | 424 |
| Equity capital to assets | 9.2867% | 4,809 |
| Core capital (leverage) ratio | 8.1941% | 5,706 |
| Tier 1 risk-based capital ratio | 13.2469% | 4,140 |
| Total risk-based capital ratio | 14.4034% | 4,123 |
| Memoranda: | ||
| Average total assets | $272,248,000 | 2,322 |
| Average earning assets | $232,552,000 | 2,486 |
| Average equity | $22,019,600 | 2,972 |
| Average total loans | $150,548,800 | 2,591 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1283% | 2,813 |
| Cost of funding earning assets | 0.7803% | 559 |
| Net interest margin | 3.3481% | 4,151 |
| Noninterest income to average assets | 1.6011% | 492 |
| Noninterest expense to average assets | 2.7011% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7662% | 559 |
| Return on assets (ROA) | 1.7662% | 574 |
| Pretax return on assets | 1.7525% | 991 |
| Return on Equity (ROE) | 22.6659% | 174 |
| Retained earnings to average equity (ytd only) | 22.6659% | 56 |
| Net charge-offs to loans | -0.0662% | 5,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6493% | 4,799 |
| Assets per employee ($millions) | 4.9901% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 3,194 |
| Loan loss allowance to noncurrent loans | 63.4712% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 10.7472% | 49 |
| Noncurrent loans to loans | 2.0192% | 1,142 |
| Net loans and leases to total assets | 53.9398% | 4,572 |
| Net loans and leases to deposits | 59.1340% | 4,917 |
| Net loans and leases to core deposits | 69.6606% | 4,407 |
| Total domestic deposits to total assets | 91.2163% | 204 |
| Equity capital to assets | 8.6308% | 5,621 |
| Core capital (leverage) ratio | 8.3038% | 5,717 |
| Tier 1 risk-based capital ratio | 12.8291% | 4,530 |
| Total risk-based capital ratio | 13.9295% | 4,532 |
| Memoranda: | ||
| Average total assets | $272,969,250 | 2,332 |
| Average earning assets | $232,566,500 | 2,502 |
| Average equity | $21,270,750 | 3,068 |
| Average total loans | $153,121,000 | 2,565 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 2,733 |
| Cost of funding earning assets | 0.8368% | 413 |
| Net interest margin | 3.3087% | 4,271 |
| Noninterest income to average assets | 2.0544% | 353 |
| Noninterest expense to average assets | 2.6410% | 3,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.2500% | 234 |
| Return on assets (ROA) | 2.2500% | 249 |
| Pretax return on assets | 2.2201% | 399 |
| Return on Equity (ROE) | 29.9292% | 70 |
| Retained earnings to average equity (ytd only) | 29.9292% | 31 |
| Net charge-offs to loans | -0.0413% | 5,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3299% | 5,556 |
| Assets per employee ($millions) | 4.9705% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 3,659 |
| Loan loss allowance to noncurrent loans | 67.0426% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 11.0775% | 49 |
| Noncurrent loans to loans | 1.8228% | 1,393 |
| Net loans and leases to total assets | 54.4940% | 4,506 |
| Net loans and leases to deposits | 59.4501% | 4,895 |
| Net loans and leases to core deposits | 70.0417% | 4,324 |
| Total domestic deposits to total assets | 91.6635% | 163 |
| Equity capital to assets | 8.1898% | 5,885 |
| Core capital (leverage) ratio | 8.0793% | 5,883 |
| Tier 1 risk-based capital ratio | 12.2721% | 4,953 |
| Total risk-based capital ratio | 13.3183% | 4,993 |
| Memoranda: | ||
| Average total assets | $274,137,330 | 2,344 |
| Average earning assets | $232,540,670 | 2,521 |
| Average equity | $20,608,670 | 3,150 |
| Average total loans | $155,082,670 | 2,552 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 2,761 |
| Cost of funding earning assets | 0.8736% | 326 |
| Net interest margin | 3.2447% | 4,442 |
| Noninterest income to average assets | 1.1773% | 824 |
| Noninterest expense to average assets | 2.6650% | 3,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2560% | 1,385 |
| Return on assets (ROA) | 1.2560% | 1,472 |
| Pretax return on assets | 1.2560% | 2,443 |
| Return on Equity (ROE) | 17.4861% | 432 |
| Retained earnings to average equity (ytd only) | 17.4861% | 161 |
| Net charge-offs to loans | -0.0280% | 5,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9673% | 3,830 |
| Assets per employee ($millions) | 5.2002% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 4,202 |
| Loan loss allowance to noncurrent loans | 66.4236% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 11.6210% | 53 |
| Noncurrent loans to loans | 1.7469% | 1,562 |
| Net loans and leases to total assets | 56.3108% | 4,164 |
| Net loans and leases to deposits | 60.8990% | 4,673 |
| Net loans and leases to core deposits | 72.9608% | 3,878 |
| Total domestic deposits to total assets | 92.4659% | 98 |
| Equity capital to assets | 7.3759% | 6,209 |
| Core capital (leverage) ratio | 7.3190% | 6,193 |
| Tier 1 risk-based capital ratio | 10.4014% | 6,049 |
| Total risk-based capital ratio | 11.3755% | 6,085 |
| Memoranda: | ||
| Average total assets | $274,518,500 | 2,354 |
| Average earning assets | $232,130,500 | 2,534 |
| Average equity | $19,718,500 | 3,260 |
| Average total loans | $157,216,000 | 2,525 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 2,130 |
| Cost of funding earning assets | 1.0057% | 225 |
| Net interest margin | 3.4224% | 4,097 |
| Noninterest income to average assets | 1.1836% | 862 |
| Noninterest expense to average assets | 2.6833% | 3,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4836% | 906 |
| Return on assets (ROA) | 1.4836% | 947 |
| Pretax return on assets | 1.3748% | 1,978 |
| Return on Equity (ROE) | 25.0086% | 105 |
| Retained earnings to average equity (ytd only) | 25.0086% | 40 |
| Net charge-offs to loans | 0.3387% | 1,296 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.6809% | 3,156 |
| Efficiency ratio | 66.1212% | 4,225 |
| Assets per employee ($millions) | 5.0634% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 4,282 |
| Loan loss allowance to noncurrent loans | 54.7626% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 12.3234% | 57 |
| Noncurrent loans to loans | 2.1009% | 1,298 |
| Net loans and leases to total assets | 56.9076% | 4,210 |
| Net loans and leases to deposits | 61.2935% | 4,783 |
| Net loans and leases to core deposits | 74.6611% | 3,853 |
| Total domestic deposits to total assets | 92.8444% | 76 |
| Equity capital to assets | 6.9884% | 6,330 |
| Core capital (leverage) ratio | 7.0455% | 6,304 |
| Tier 1 risk-based capital ratio | 10.4908% | 6,107 |
| Total risk-based capital ratio | 11.4957% | 6,139 |
| Memoranda: | ||
| Average total assets | $274,069,200 | 2,327 |
| Average earning assets | $230,191,600 | 2,518 |
| Average equity | $16,258,400 | 3,635 |
| Average total loans | $166,540,400 | 2,359 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3635% | 2,374 |
| Cost of funding earning assets | 1.0277% | 215 |
| Net interest margin | 3.3358% | 4,489 |
| Noninterest income to average assets | 1.0575% | 1,097 |
| Noninterest expense to average assets | 2.7033% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1426% | 1,885 |
| Return on assets (ROA) | 1.1426% | 1,954 |
| Pretax return on assets | 1.1523% | 2,977 |
| Return on Equity (ROE) | 20.1548% | 274 |
| Retained earnings to average equity (ytd only) | 20.1548% | 68 |
| Net charge-offs to loans | -0.0229% | 5,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1135% | 3,489 |
| Assets per employee ($millions) | 5.0935% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 3,099 |
| Loan loss allowance to noncurrent loans | 32.3684% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 12.9595% | 52 |
| Noncurrent loans to loans | 4.3715% | 458 |
| Net loans and leases to total assets | 60.8957% | 3,644 |
| Net loans and leases to deposits | 65.0820% | 4,425 |
| Net loans and leases to core deposits | 80.4072% | 3,269 |
| Total domestic deposits to total assets | 93.5677% | 52 |
| Equity capital to assets | 6.2331% | 6,465 |
| Core capital (leverage) ratio | 6.4295% | 6,442 |
| Tier 1 risk-based capital ratio | 9.1502% | 6,469 |
| Total risk-based capital ratio | 10.4007% | 6,460 |
| Memoranda: | ||
| Average total assets | $274,230,500 | 2,343 |
| Average earning assets | $230,024,750 | 2,540 |
| Average equity | $15,546,000 | 3,762 |
| Average total loans | $168,823,000 | 2,346 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 2,068 |
| Cost of funding earning assets | 1.0266% | 226 |
| Net interest margin | 3.4013% | 4,165 |
| Noninterest income to average assets | 1.0469% | 1,083 |
| Noninterest expense to average assets | 2.6457% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2265% | 1,513 |
| Return on assets (ROA) | 1.2265% | 1,572 |
| Pretax return on assets | 1.2360% | 2,519 |
| Return on Equity (ROE) | 22.3801% | 183 |
| Retained earnings to average equity (ytd only) | 22.3801% | 61 |
| Net charge-offs to loans | -0.0499% | 5,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1587% | 3,975 |
| Assets per employee ($millions) | 5.0452% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 3,091 |
| Loan loss allowance to noncurrent loans | 64.9208% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 12.6648% | 52 |
| Noncurrent loans to loans | 2.2410% | 1,460 |
| Net loans and leases to total assets | 60.0926% | 3,700 |
| Net loans and leases to deposits | 64.0841% | 4,486 |
| Net loans and leases to core deposits | 79.8440% | 3,230 |
| Total domestic deposits to total assets | 93.7715% | 54 |
| Equity capital to assets | 5.9191% | 6,537 |
| Core capital (leverage) ratio | 6.2056% | 6,516 |
| Tier 1 risk-based capital ratio | 8.8704% | 6,543 |
| Total risk-based capital ratio | 10.1210% | 6,538 |
| Memoranda: | ||
| Average total assets | $273,957,670 | 2,344 |
| Average earning assets | $228,324,670 | 2,565 |
| Average equity | $15,013,330 | 3,855 |
| Average total loans | $168,465,000 | 2,349 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 1,989 |
| Cost of funding earning assets | 1.0209% | 249 |
| Net interest margin | 3.4182% | 4,034 |
| Noninterest income to average assets | 1.2260% | 732 |
| Noninterest expense to average assets | 2.6602% | 4,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4080% | 973 |
| Return on assets (ROA) | 1.4080% | 1,016 |
| Pretax return on assets | 1.4080% | 1,718 |
| Return on Equity (ROE) | 26.7552% | 98 |
| Retained earnings to average equity (ytd only) | 26.7552% | 48 |
| Net charge-offs to loans | -0.0542% | 5,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3901% | 4,625 |
| Assets per employee ($millions) | 5.1882% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 3,576 |
| Loan loss allowance to noncurrent loans | 48.0850% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 13.2222% | 56 |
| Noncurrent loans to loans | 2.9222% | 1,110 |
| Net loans and leases to total assets | 61.1920% | 3,365 |
| Net loans and leases to deposits | 64.9502% | 4,213 |
| Net loans and leases to core deposits | 80.9382% | 2,860 |
| Total domestic deposits to total assets | 94.2137% | 59 |
| Equity capital to assets | 5.4925% | 6,605 |
| Core capital (leverage) ratio | 5.9371% | 6,596 |
| Tier 1 risk-based capital ratio | 8.2743% | 6,617 |
| Total risk-based capital ratio | 9.5159% | 6,620 |
| Memoranda: | ||
| Average total assets | $274,716,000 | 2,342 |
| Average earning assets | $228,421,000 | 2,574 |
| Average equity | $14,457,000 | 3,957 |
| Average total loans | $169,630,500 | 2,352 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 2,615 |
| Cost of funding earning assets | 1.1152% | 265 |
| Net interest margin | 3.2766% | 4,747 |
| Noninterest income to average assets | 1.0331% | 1,314 |
| Noninterest expense to average assets | 2.9584% | 3,166 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0635% | 2,064 |
| Return on assets (ROA) | 1.0635% | 2,147 |
| Pretax return on assets | 0.7523% | 4,328 |
| Return on Equity (ROE) | 24.9181% | 127 |
| Retained earnings to average equity (ytd only) | 24.9181% | 46 |
| Net charge-offs to loans | 0.0121% | 5,209 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 446 |
| Efficiency ratio | 79.7260% | 2,194 |
| Assets per employee ($millions) | 5.0825% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 3,608 |
| Loan loss allowance to noncurrent loans | 43.3078% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 14.8257% | 51 |
| Noncurrent loans to loans | 3.2527% | 1,028 |
| Net loans and leases to total assets | 60.5651% | 3,617 |
| Net loans and leases to deposits | 63.9640% | 4,510 |
| Net loans and leases to core deposits | 79.9292% | 3,146 |
| Total domestic deposits to total assets | 94.6862% | 56 |
| Equity capital to assets | 5.0322% | 6,687 |
| Core capital (leverage) ratio | 5.5141% | 6,686 |
| Tier 1 risk-based capital ratio | 7.7381% | 6,701 |
| Total risk-based capital ratio | 8.9616% | 6,703 |
| Memoranda: | ||
| Average total assets | $293,098,000 | 2,194 |
| Average earning assets | $239,515,600 | 2,425 |
| Average equity | $12,509,000 | 4,353 |
| Average total loans | $173,062,200 | 2,269 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 2,738 |
| Cost of funding earning assets | 1.1352% | 258 |
| Net interest margin | 3.2233% | 4,917 |
| Noninterest income to average assets | 1.0397% | 1,344 |
| Noninterest expense to average assets | 2.9303% | 3,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7433% | 3,634 |
| Return on assets (ROA) | 0.7433% | 3,757 |
| Pretax return on assets | 0.7375% | 4,548 |
| Return on Equity (ROE) | 18.1662% | 426 |
| Retained earnings to average equity (ytd only) | 18.1662% | 102 |
| Net charge-offs to loans | 0.0498% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 25.3398% | 1,388 |
| Efficiency ratio | 79.8926% | 2,113 |
| Assets per employee ($millions) | 5.4389% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 3,991 |
| Loan loss allowance to noncurrent loans | 35.1743% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 16.2659% | 40 |
| Noncurrent loans to loans | 3.9204% | 902 |
| Net loans and leases to total assets | 58.9446% | 3,865 |
| Net loans and leases to deposits | 61.8854% | 4,778 |
| Net loans and leases to core deposits | 76.8979% | 3,514 |
| Total domestic deposits to total assets | 95.2479% | 35 |
| Equity capital to assets | 4.4116% | 6,802 |
| Core capital (leverage) ratio | 4.7561% | 6,796 |
| Tier 1 risk-based capital ratio | 6.8281% | 6,809 |
| Total risk-based capital ratio | 7.9997% | 6,813 |
| Memoranda: | ||
| Average total assets | $297,758,750 | 2,169 |
| Average earning assets | $242,767,250 | 2,414 |
| Average equity | $12,183,500 | 4,465 |
| Average total loans | $174,178,000 | 2,262 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 3,035 |
| Cost of funding earning assets | 1.1417% | 271 |
| Net interest margin | 3.1389% | 5,162 |
| Noninterest income to average assets | 0.9388% | 1,692 |
| Noninterest expense to average assets | 2.8216% | 3,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6745% | 3,932 |
| Return on assets (ROA) | 0.6745% | 4,094 |
| Pretax return on assets | 0.6745% | 4,763 |
| Return on Equity (ROE) | 16.8960% | 566 |
| Retained earnings to average equity (ytd only) | 16.8960% | 161 |
| Net charge-offs to loans | 0.0773% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.0147% | 1,778 |
| Efficiency ratio | 80.7067% | 2,062 |
| Assets per employee ($millions) | 5.8643% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 4,354 |
| Loan loss allowance to noncurrent loans | 39.9177% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 15.4823% | 55 |
| Noncurrent loans to loans | 3.3374% | 1,299 |
| Net loans and leases to total assets | 56.5418% | 4,206 |
| Net loans and leases to deposits | 59.0120% | 5,070 |
| Net loans and leases to core deposits | 72.7264% | 3,960 |
| Total domestic deposits to total assets | 95.8139% | 29 |
| Equity capital to assets | 3.8653% | 6,871 |
| Core capital (leverage) ratio | 4.3158% | 6,862 |
| Tier 1 risk-based capital ratio | 6.2253% | 6,866 |
| Total risk-based capital ratio | 7.3439% | 6,870 |
| Memoranda: | ||
| Average total assets | $302,736,670 | 2,146 |
| Average earning assets | $246,646,670 | 2,383 |
| Average equity | $12,085,670 | 4,515 |
| Average total loans | $175,890,330 | 2,245 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 2,789 |
| Cost of funding earning assets | 1.1615% | 274 |
| Net interest margin | 3.1621% | 5,055 |
| Noninterest income to average assets | 0.7996% | 2,124 |
| Noninterest expense to average assets | 2.6469% | 4,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7161% | 3,616 |
| Return on assets (ROA) | 0.7161% | 3,753 |
| Pretax return on assets | 0.7161% | 4,508 |
| Return on Equity (ROE) | 17.6543% | 458 |
| Retained earnings to average equity (ytd only) | 17.6543% | 209 |
| Net charge-offs to loans | 0.1745% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.0130% | 2,132 |
| Efficiency ratio | 78.7066% | 2,504 |
| Assets per employee ($millions) | 6.1001% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 4,568 |
| Loan loss allowance to noncurrent loans | 20.0294% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 18.2554% | 39 |
| Noncurrent loans to loans | 6.6289% | 474 |
| Net loans and leases to total assets | 56.5038% | 4,008 |
| Net loans and leases to deposits | 59.0954% | 4,900 |
| Net loans and leases to core deposits | 72.8125% | 3,726 |
| Total domestic deposits to total assets | 95.6145% | 34 |
| Equity capital to assets | 4.1016% | 6,935 |
| Core capital (leverage) ratio | 4.2255% | 6,921 |
| Tier 1 risk-based capital ratio | 5.9417% | 6,931 |
| Total risk-based capital ratio | 7.0456% | 6,938 |
| Memoranda: | ||
| Average total assets | $301,634,500 | 2,180 |
| Average earning assets | $244,519,000 | 2,428 |
| Average equity | $12,235,000 | 4,532 |
| Average total loans | $176,462,000 | 2,253 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 2,644 |
| Cost of funding earning assets | 1.4268% | 229 |
| Net interest margin | 3.2605% | 5,390 |
| Noninterest income to average assets | 0.6022% | 3,265 |
| Noninterest expense to average assets | 2.9850% | 3,335 |
| Loan and lease loss provision to assets | 0.1336% | 3,957 |
| Net operating income to assets | 0.0925% | 6,021 |
| Return on assets (ROA) | 0.3643% | 5,465 |
| Pretax return on assets | 0.3643% | 5,669 |
| Return on Equity (ROE) | 9.7854% | 2,269 |
| Retained earnings to average equity (ytd only) | 9.7854% | 634 |
| Net charge-offs to loans | 0.5878% | 1,967 |
| Credit loss provision to net charge-offs | 37.6155% | 4,977 |
| Earnings coverage of net charge-offs (x) | 0.6368% | 5,168 |
| Efficiency ratio | 92.9586% | 866 |
| Assets per employee ($millions) | 5.9653% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 4,436 |
| Loan loss allowance to noncurrent loans | 17.7153% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 20.0494% | 24 |
| Noncurrent loans to loans | 7.5870% | 399 |
| Net loans and leases to total assets | 58.9644% | 3,803 |
| Net loans and leases to deposits | 61.6062% | 4,828 |
| Net loans and leases to core deposits | 76.9630% | 3,415 |
| Total domestic deposits to total assets | 95.7118% | 31 |
| Equity capital to assets | 4.0099% | 6,998 |
| Core capital (leverage) ratio | 4.1180% | 6,984 |
| Tier 1 risk-based capital ratio | 5.5934% | 7,003 |
| Total risk-based capital ratio | 6.7139% | 7,010 |
| Memoranda: | ||
| Average total assets | $304,722,000 | 2,109 |
| Average earning assets | $243,825,400 | 2,379 |
| Average equity | $11,343,400 | 4,699 |
| Average total loans | $184,065,400 | 2,151 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 2,541 |
| Cost of funding earning assets | 1.4827% | 221 |
| Net interest margin | 3.2764% | 5,467 |
| Noninterest income to average assets | 0.6011% | 3,261 |
| Noninterest expense to average assets | 2.9340% | 3,465 |
| Loan and lease loss provision to assets | 0.1771% | 3,367 |
| Net operating income to assets | 0.1088% | 6,111 |
| Return on assets (ROA) | 0.4566% | 5,255 |
| Pretax return on assets | 0.4566% | 5,578 |
| Return on Equity (ROE) | 12.4998% | 1,460 |
| Retained earnings to average equity (ytd only) | 12.4998% | 442 |
| Net charge-offs to loans | 0.7367% | 1,500 |
| Credit loss provision to net charge-offs | 39.7073% | 4,625 |
| Earnings coverage of net charge-offs (x) | 0.6410% | 5,000 |
| Efficiency ratio | 91.1192% | 952 |
| Assets per employee ($millions) | 5.8527% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 4,625 |
| Loan loss allowance to noncurrent loans | 26.3650% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 19.5097% | 42 |
| Noncurrent loans to loans | 5.0877% | 880 |
| Net loans and leases to total assets | 62.9116% | 3,220 |
| Net loans and leases to deposits | 66.2206% | 4,440 |
| Net loans and leases to core deposits | 80.7377% | 3,114 |
| Total domestic deposits to total assets | 95.0031% | 40 |
| Equity capital to assets | 4.2280% | 7,092 |
| Core capital (leverage) ratio | 4.1262% | 7,088 |
| Tier 1 risk-based capital ratio | 5.4981% | 7,102 |
| Total risk-based capital ratio | 6.6309% | 7,106 |
| Memoranda: | ||
| Average total assets | $306,336,750 | 2,120 |
| Average earning assets | $244,859,750 | 2,403 |
| Average equity | $11,189,250 | 4,769 |
| Average total loans | $185,515,500 | 2,161 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7272% | 2,810 |
| Cost of funding earning assets | 1.5238% | 218 |
| Net interest margin | 3.2034% | 5,735 |
| Noninterest income to average assets | 0.6143% | 3,172 |
| Noninterest expense to average assets | 2.8512% | 3,821 |
| Loan and lease loss provision to assets | 0.2071% | 3,002 |
| Net operating income to assets | 0.1202% | 6,113 |
| Return on assets (ROA) | 0.6310% | 4,467 |
| Pretax return on assets | 0.6310% | 5,021 |
| Return on Equity (ROE) | 18.1478% | 490 |
| Retained earnings to average equity (ytd only) | 18.1478% | 139 |
| Net charge-offs to loans | 0.5333% | 1,993 |
| Credit loss provision to net charge-offs | 65.1911% | 3,687 |
| Earnings coverage of net charge-offs (x) | 1.0302% | 4,506 |
| Efficiency ratio | 89.7023% | 1,094 |
| Assets per employee ($millions) | 6.4212% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 3,669 |
| Loan loss allowance to noncurrent loans | 27.4043% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 19.1463% | 49 |
| Noncurrent loans to loans | 5.7678% | 786 |
| Net loans and leases to total assets | 59.7909% | 3,865 |
| Net loans and leases to deposits | 62.4903% | 4,941 |
| Net loans and leases to core deposits | 77.5116% | 3,589 |
| Total domestic deposits to total assets | 95.6802% | 40 |
| Equity capital to assets | 3.9364% | 7,145 |
| Core capital (leverage) ratio | 3.8783% | 7,140 |
| Tier 1 risk-based capital ratio | 5.4361% | 7,145 |
| Total risk-based capital ratio | 6.6868% | 7,147 |
| Memoranda: | ||
| Average total assets | $312,855,670 | 2,072 |
| Average earning assets | $250,421,000 | 2,351 |
| Average equity | $10,877,330 | 4,838 |
| Average total loans | $186,397,000 | 2,145 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6711% | 3,159 |
| Cost of funding earning assets | 1.5617% | 221 |
| Net interest margin | 3.1094% | 6,015 |
| Noninterest income to average assets | 0.5088% | 3,855 |
| Noninterest expense to average assets | 2.7841% | 4,102 |
| Loan and lease loss provision to assets | 0.4071% | 1,552 |
| Net operating income to assets | -0.1759% | 6,607 |
| Return on assets (ROA) | 0.8279% | 3,494 |
| Pretax return on assets | 0.8279% | 4,308 |
| Return on Equity (ROE) | 25.4048% | 175 |
| Retained earnings to average equity (ytd only) | 25.4048% | 89 |
| Net charge-offs to loans | 0.1490% | 3,204 |
| Credit loss provision to net charge-offs | 462.8571% | 701 |
| Earnings coverage of net charge-offs (x) | 2.6286% | 3,126 |
| Efficiency ratio | 92.3333% | 926 |
| Assets per employee ($millions) | 5.7161% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 3,051 |
| Loan loss allowance to noncurrent loans | 30.4487% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 18.6395% | 63 |
| Noncurrent loans to loans | 5.8547% | 870 |
| Net loans and leases to total assets | 57.2293% | 4,181 |
| Net loans and leases to deposits | 59.5549% | 5,208 |
| Net loans and leases to core deposits | 73.7499% | 3,926 |
| Total domestic deposits to total assets | 96.0950% | 36 |
| Equity capital to assets | 3.2087% | 7,225 |
| Core capital (leverage) ratio | 3.3093% | 7,220 |
| Tier 1 risk-based capital ratio | 4.6692% | 7,226 |
| Total risk-based capital ratio | 5.9221% | 7,228 |
| Memoranda: | ||
| Average total assets | $318,385,000 | 2,043 |
| Average earning assets | $256,644,000 | 2,311 |
| Average equity | $10,376,000 | 4,951 |
| Average total loans | $187,923,000 | 2,140 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7534% | 4,015 |
| Cost of funding earning assets | 1.8959% | 151 |
| Net interest margin | 2.8575% | 6,753 |
| Noninterest income to average assets | 0.0407% | 6,871 |
| Noninterest expense to average assets | 3.0653% | 3,333 |
| Loan and lease loss provision to assets | 0.1804% | 4,393 |
| Net operating income to assets | -0.8844% | 6,693 |
| Return on assets (ROA) | -0.8844% | 6,720 |
| Pretax return on assets | -0.8844% | 6,684 |
| Return on Equity (ROE) | -26.7041% | 7,066 |
| Retained earnings to average equity (ytd only) | -26.7041% | 7,056 |
| Net charge-offs to loans | 0.6985% | 2,408 |
| Credit loss provision to net charge-offs | 42.6534% | 5,578 |
| Earnings coverage of net charge-offs (x) | -1.6648% | 6,263 |
| Efficiency ratio | 129.8160% | 233 |
| Assets per employee ($millions) | 5.3673% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 3,505 |
| Loan loss allowance to noncurrent loans | 32.0966% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 18.4429% | 71 |
| Noncurrent loans to loans | 5.0536% | 1,112 |
| Net loans and leases to total assets | 58.8180% | 4,224 |
| Net loans and leases to deposits | 61.2642% | 5,342 |
| Net loans and leases to core deposits | 76.4607% | 3,912 |
| Total domestic deposits to total assets | 96.0072% | 37 |
| Equity capital to assets | 3.3098% | 7,260 |
| Core capital (leverage) ratio | 3.0820% | 7,261 |
| Tier 1 risk-based capital ratio | 4.3199% | 7,270 |
| Total risk-based capital ratio | 5.5710% | 7,267 |
| Memoranda: | ||
| Average total assets | $331,518,600 | 1,948 |
| Average earning assets | $269,217,400 | 2,175 |
| Average equity | $10,979,600 | 4,783 |
| Average total loans | $200,729,600 | 2,037 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7647% | 4,171 |
| Cost of funding earning assets | 1.9482% | 146 |
| Net interest margin | 2.8165% | 6,869 |
| Noninterest income to average assets | 0.2728% | 5,665 |
| Noninterest expense to average assets | 3.1381% | 3,034 |
| Loan and lease loss provision to assets | 0.1201% | 4,930 |
| Net operating income to assets | -0.6940% | 6,754 |
| Return on assets (ROA) | -0.6940% | 6,785 |
| Pretax return on assets | -0.6940% | 6,730 |
| Return on Equity (ROE) | -20.9524% | 7,106 |
| Retained earnings to average equity (ytd only) | -20.9524% | 7,092 |
| Net charge-offs to loans | 0.7630% | 2,039 |
| Credit loss provision to net charge-offs | 25.9227% | 5,475 |
| Earnings coverage of net charge-offs (x) | -1.2386% | 5,959 |
| Efficiency ratio | 122.3825% | 285 |
| Assets per employee ($millions) | 5.4362% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 3,811 |
| Loan loss allowance to noncurrent loans | 46.0480% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 17.5492% | 82 |
| Noncurrent loans to loans | 3.4050% | 2,028 |
| Net loans and leases to total assets | 58.9550% | 4,331 |
| Net loans and leases to deposits | 61.7668% | 5,434 |
| Net loans and leases to core deposits | 77.3521% | 3,994 |
| Total domestic deposits to total assets | 95.4476% | 47 |
| Equity capital to assets | 3.7050% | 7,339 |
| Core capital (leverage) ratio | 3.3743% | 7,336 |
| Tier 1 risk-based capital ratio | 4.7325% | 7,337 |
| Total risk-based capital ratio | 5.9862% | 7,338 |
| Memoranda: | ||
| Average total assets | $335,230,750 | 1,935 |
| Average earning assets | $272,721,750 | 2,154 |
| Average equity | $11,104,250 | 4,782 |
| Average total loans | $203,579,500 | 2,031 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6909% | 4,568 |
| Cost of funding earning assets | 1.9764% | 150 |
| Net interest margin | 2.7145% | 7,015 |
| Noninterest income to average assets | 0.2811% | 5,638 |
| Noninterest expense to average assets | 3.2647% | 2,684 |
| Loan and lease loss provision to assets | 0.1776% | 4,146 |
| Net operating income to assets | -0.9422% | 6,928 |
| Return on assets (ROA) | -0.9422% | 6,932 |
| Pretax return on assets | -0.9422% | 6,879 |
| Return on Equity (ROE) | -29.5445% | 7,236 |
| Retained earnings to average equity (ytd only) | -29.5445% | 7,228 |
| Net charge-offs to loans | 0.7975% | 1,907 |
| Credit loss provision to net charge-offs | 36.5175% | 4,877 |
| Earnings coverage of net charge-offs (x) | -1.5719% | 5,689 |
| Efficiency ratio | 130.5810% | 252 |
| Assets per employee ($millions) | 3.8241% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 3,355 |
| Loan loss allowance to noncurrent loans | 107.1314% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 16.2064% | 117 |
| Noncurrent loans to loans | 1.5796% | 4,030 |
| Net loans and leases to total assets | 57.8298% | 4,663 |
| Net loans and leases to deposits | 60.2666% | 5,700 |
| Net loans and leases to core deposits | 74.5315% | 4,505 |
| Total domestic deposits to total assets | 95.9566% | 32 |
| Equity capital to assets | 3.0676% | 7,429 |
| Core capital (leverage) ratio | 2.8784% | 7,428 |
| Tier 1 risk-based capital ratio | 4.0385% | 7,430 |
| Total risk-based capital ratio | 5.2905% | 7,430 |
| Memoranda: | ||
| Average total assets | $340,063,330 | 1,920 |
| Average earning assets | $277,986,000 | 2,119 |
| Average equity | $10,844,670 | 4,840 |
| Average total loans | $207,406,000 | 2,024 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 5,099 |
| Cost of funding earning assets | 1.9956% | 169 |
| Net interest margin | 2.5706% | 7,148 |
| Noninterest income to average assets | 0.2715% | 5,736 |
| Noninterest expense to average assets | 3.1875% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8027% | 6,962 |
| Return on assets (ROA) | -0.8027% | 6,970 |
| Pretax return on assets | -0.8027% | 6,920 |
| Return on Equity (ROE) | -24.7085% | 7,276 |
| Retained earnings to average equity (ytd only) | -24.7085% | 7,238 |
| Net charge-offs to loans | -0.8052% | 7,465 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.6605% | 238 |
| Assets per employee ($millions) | 3.8921% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0511% | 2,287 |
| Loan loss allowance to noncurrent loans | 37.2984% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 16.8888% | 105 |
| Noncurrent loans to loans | 5.4993% | 1,192 |
| Net loans and leases to total assets | 59.9801% | 4,263 |
| Net loans and leases to deposits | 62.5466% | 5,437 |
| Net loans and leases to core deposits | 76.6580% | 4,209 |
| Total domestic deposits to total assets | 95.8967% | 38 |
| Equity capital to assets | 3.1378% | 7,482 |
| Core capital (leverage) ratio | 3.1230% | 7,479 |
| Tier 1 risk-based capital ratio | 4.2890% | 7,482 |
| Total risk-based capital ratio | 5.5450% | 7,483 |
| Memoranda: | ||
| Average total assets | $341,834,000 | 1,924 |
| Average earning assets | $281,022,000 | 2,105 |
| Average equity | $11,105,500 | 4,773 |
| Average total loans | $212,129,000 | 1,995 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 5,396 |
| Cost of funding earning assets | 2.2709% | 236 |
| Net interest margin | 2.5329% | 7,252 |
| Noninterest income to average assets | 0.3208% | 5,492 |
| Noninterest expense to average assets | 3.5424% | 2,066 |
| Loan and lease loss provision to assets | 0.4393% | 3,483 |
| Net operating income to assets | -1.5096% | 6,914 |
| Return on assets (ROA) | -1.5096% | 6,926 |
| Pretax return on assets | -1.5096% | 6,857 |
| Return on Equity (ROE) | -34.9084% | 7,291 |
| Retained earnings to average equity (ytd only) | -34.9084% | 7,279 |
| Net charge-offs to loans | 1.6005% | 1,356 |
| Credit loss provision to net charge-offs | 42.7741% | 6,346 |
| Earnings coverage of net charge-offs (x) | -1.0420% | 6,617 |
| Efficiency ratio | 143.2931% | 245 |
| Assets per employee ($millions) | 3.8769% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8063% | 2,842 |
| Loan loss allowance to noncurrent loans | 122.8209% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 13.9959% | 194 |
| Noncurrent loans to loans | 1.4707% | 4,279 |
| Net loans and leases to total assets | 61.7435% | 4,335 |
| Net loans and leases to deposits | 64.5209% | 5,572 |
| Net loans and leases to core deposits | 79.2793% | 4,306 |
| Total domestic deposits to total assets | 95.6953% | 47 |
| Equity capital to assets | 3.3603% | 7,542 |
| Core capital (leverage) ratio | 3.2426% | 7,540 |
| Tier 1 risk-based capital ratio | 4.4832% | 7,543 |
| Total risk-based capital ratio | 5.7379% | 7,549 |
| Memoranda: | ||
| Average total assets | $368,507,800 | 1,784 |
| Average earning assets | $313,001,200 | 1,897 |
| Average equity | $15,936,000 | 3,778 |
| Average total loans | $236,482,000 | 1,850 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8133% | 5,604 |
| Cost of funding earning assets | 2.3176% | 255 |
| Net interest margin | 2.4957% | 7,381 |
| Noninterest income to average assets | 0.2213% | 6,326 |
| Noninterest expense to average assets | 3.2016% | 2,925 |
| Loan and lease loss provision to assets | 0.1240% | 5,790 |
| Net operating income to assets | -0.9694% | 6,889 |
| Return on assets (ROA) | -0.9694% | 6,925 |
| Pretax return on assets | -0.9694% | 6,840 |
| Return on Equity (ROE) | -21.3356% | 7,250 |
| Retained earnings to average equity (ytd only) | -21.3356% | 7,236 |
| Net charge-offs to loans | 1.1676% | 1,749 |
| Credit loss provision to net charge-offs | 16.4700% | 6,277 |
| Earnings coverage of net charge-offs (x) | -1.1232% | 6,466 |
| Efficiency ratio | 135.8812% | 267 |
| Assets per employee ($millions) | 3.9093% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 2,620 |
| Loan loss allowance to noncurrent loans | 77.7818% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 11.9553% | 276 |
| Noncurrent loans to loans | 2.3825% | 3,254 |
| Net loans and leases to total assets | 65.0137% | 3,905 |
| Net loans and leases to deposits | 68.5813% | 5,339 |
| Net loans and leases to core deposits | 83.8052% | 3,976 |
| Total domestic deposits to total assets | 94.7981% | 45 |
| Equity capital to assets | 4.5173% | 7,614 |
| Core capital (leverage) ratio | 3.9656% | 7,623 |
| Tier 1 risk-based capital ratio | 5.5021% | 7,620 |
| Total risk-based capital ratio | 6.7516% | 7,624 |
| Memoranda: | ||
| Average total assets | $375,344,000 | 1,779 |
| Average earning assets | $321,076,750 | 1,869 |
| Average equity | $17,054,000 | 3,631 |
| Average total loans | $241,972,250 | 1,829 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 6,129 |
| Cost of funding earning assets | 2.3531% | 285 |
| Net interest margin | 2.3513% | 7,506 |
| Noninterest income to average assets | 0.2174% | 6,365 |
| Noninterest expense to average assets | 3.0259% | 3,618 |
| Loan and lease loss provision to assets | 0.1815% | 5,052 |
| Net operating income to assets | -0.9712% | 6,935 |
| Return on assets (ROA) | -0.9712% | 6,952 |
| Pretax return on assets | -0.9712% | 6,875 |
| Return on Equity (ROE) | -21.3375% | 7,301 |
| Retained earnings to average equity (ytd only) | -21.3375% | 7,286 |
| Net charge-offs to loans | 0.9699% | 1,910 |
| Credit loss provision to net charge-offs | 29.2785% | 5,746 |
| Earnings coverage of net charge-offs (x) | -1.2735% | 6,157 |
| Efficiency ratio | 135.3105% | 280 |
| Assets per employee ($millions) | 4.1843% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1974% | 1,760 |
| Loan loss allowance to noncurrent loans | 120.6032% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 10.7347% | 347 |
| Noncurrent loans to loans | 1.8220% | 3,972 |
| Net loans and leases to total assets | 62.1238% | 4,660 |
| Net loans and leases to deposits | 65.5133% | 5,872 |
| Net loans and leases to core deposits | 78.7370% | 4,844 |
| Total domestic deposits to total assets | 94.8263% | 52 |
| Equity capital to assets | 4.4535% | 7,668 |
| Core capital (leverage) ratio | 3.9804% | 7,681 |
| Tier 1 risk-based capital ratio | 5.7982% | 7,668 |
| Total risk-based capital ratio | 7.0576% | 7,669 |
| Memoranda: | ||
| Average total assets | $384,482,670 | 1,746 |
| Average earning assets | $330,121,330 | 1,847 |
| Average equity | $17,499,670 | 3,545 |
| Average total loans | $245,805,670 | 1,833 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6843% | 6,300 |
| Cost of funding earning assets | 2.4210% | 280 |
| Net interest margin | 2.2632% | 7,618 |
| Noninterest income to average assets | 0.5541% | 3,620 |
| Noninterest expense to average assets | 2.7184% | 4,820 |
| Loan and lease loss provision to assets | 0.1444% | 5,110 |
| Net operating income to assets | -0.3698% | 6,737 |
| Return on assets (ROA) | -0.3698% | 6,781 |
| Pretax return on assets | -0.3698% | 6,700 |
| Return on Equity (ROE) | -8.0414% | 7,057 |
| Retained earnings to average equity (ytd only) | -8.0414% | 6,834 |
| Net charge-offs to loans | -0.3658% | 7,770 |
| Credit loss provision to net charge-offs | -61.5721% | 6,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.0386% | 624 |
| Assets per employee ($millions) | 4.3478% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6183% | 1,156 |
| Loan loss allowance to noncurrent loans | 97.2247% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 10.6048% | 355 |
| Noncurrent loans to loans | 2.6930% | 2,979 |
| Net loans and leases to total assets | 61.6205% | 4,831 |
| Net loans and leases to deposits | 65.0508% | 5,938 |
| Net loans and leases to core deposits | 78.9195% | 4,905 |
| Total domestic deposits to total assets | 94.7268% | 54 |
| Equity capital to assets | 4.6085% | 7,752 |
| Core capital (leverage) ratio | 4.2827% | 7,757 |
| Tier 1 risk-based capital ratio | 5.9861% | 7,751 |
| Total risk-based capital ratio | 7.2274% | 7,755 |
| Memoranda: | ||
| Average total assets | $390,524,000 | 1,765 |
| Average earning assets | $334,566,500 | 1,872 |
| Average equity | $17,957,000 | 3,491 |
| Average total loans | $250,435,000 | 1,866 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2194% | 5,559 |
| Cost of funding earning assets | 3.0534% | 197 |
| Net interest margin | 2.1660% | 7,663 |
| Noninterest income to average assets | -0.2464% | 7,878 |
| Noninterest expense to average assets | 3.8278% | 1,643 |
| Loan and lease loss provision to assets | 3.3450% | 476 |
| Net operating income to assets | -4.5355% | 7,684 |
| Return on assets (ROA) | -4.5355% | 7,683 |
| Pretax return on assets | -5.5430% | 7,766 |
| Return on Equity (ROE) | -68.4291% | 7,802 |
| Retained earnings to average equity (ytd only) | -68.9700% | 7,800 |
| Net charge-offs to loans | 4.8139% | 291 |
| Credit loss provision to net charge-offs | 101.6815% | 5,434 |
| Earnings coverage of net charge-offs (x) | -0.6682% | 6,789 |
| Efficiency ratio | 234.8725% | 96 |
| Assets per employee ($millions) | 4.3788% | 3,149 |
| Cash dividends to net income (ytd only)* | -0.7904% | 7,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3596% | 1,402 |
| Loan loss allowance to noncurrent loans | 68.4067% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 10.7584% | 319 |
| Noncurrent loans to loans | 3.4494% | 2,204 |
| Net loans and leases to total assets | 63.4303% | 4,718 |
| Net loans and leases to deposits | 66.9797% | 5,950 |
| Net loans and leases to core deposits | 106.6570% | 3,257 |
| Total domestic deposits to total assets | 94.7007% | 58 |
| Equity capital to assets | 4.5880% | 7,815 |
| Core capital (leverage) ratio | 4.2050% | 7,833 |
| Tier 1 risk-based capital ratio | 5.9656% | 7,815 |
| Total risk-based capital ratio | 7.2291% | 7,818 |
| Memoranda: | ||
| Average total assets | $421,230,400 | 1,639 |
| Average earning assets | $364,869,200 | 1,726 |
| Average equity | $27,919,400 | 2,379 |
| Average total loans | $287,856,000 | 1,665 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2119% | 5,833 |
| Cost of funding earning assets | 3.1238% | 229 |
| Net interest margin | 2.0881% | 7,778 |
| Noninterest income to average assets | -0.2321% | 7,991 |
| Noninterest expense to average assets | 3.3322% | 2,796 |
| Loan and lease loss provision to assets | 4.0116% | 301 |
| Net operating income to assets | -5.7906% | 7,916 |
| Return on assets (ROA) | -5.7906% | 7,912 |
| Pretax return on assets | -5.7635% | 7,892 |
| Return on Equity (ROE) | -81.5850% | 7,970 |
| Retained earnings to average equity (ytd only) | -82.2477% | 7,970 |
| Net charge-offs to loans | 4.8421% | 247 |
| Credit loss provision to net charge-offs | 119.8734% | 4,239 |
| Earnings coverage of net charge-offs (x) | -0.5235% | 6,480 |
| Efficiency ratio | 210.8614% | 130 |
| Assets per employee ($millions) | 4.3972% | 3,042 |
| Cash dividends to net income (ytd only)* | -0.8123% | 7,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9126% | 713 |
| Loan loss allowance to noncurrent loans | 53.0843% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 11.6654% | 245 |
| Noncurrent loans to loans | 5.4868% | 1,138 |
| Net loans and leases to total assets | 65.4477% | 4,545 |
| Net loans and leases to deposits | 70.5749% | 5,836 |
| Net loans and leases to core deposits | 115.3137% | 2,689 |
| Total domestic deposits to total assets | 92.7351% | 106 |
| Equity capital to assets | 4.6865% | 7,969 |
| Core capital (leverage) ratio | 4.1485% | 7,974 |
| Tier 1 risk-based capital ratio | 5.7714% | 7,961 |
| Total risk-based capital ratio | 7.0384% | 7,967 |
| Memoranda: | ||
| Average total assets | $428,015,250 | 1,633 |
| Average earning assets | $371,501,000 | 1,706 |
| Average equity | $30,379,000 | 2,224 |
| Average total loans | $295,816,500 | 1,639 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2079% | 6,052 |
| Cost of funding earning assets | 3.1235% | 330 |
| Net interest margin | 2.0844% | 7,820 |
| Noninterest income to average assets | -0.1166% | 8,039 |
| Noninterest expense to average assets | 3.1539% | 3,489 |
| Loan and lease loss provision to assets | 1.6084% | 1,049 |
| Net operating income to assets | -3.0438% | 7,685 |
| Return on assets (ROA) | -3.0438% | 7,683 |
| Pretax return on assets | -3.0608% | 7,583 |
| Return on Equity (ROE) | -38.8057% | 7,834 |
| Retained earnings to average equity (ytd only) | -39.6891% | 7,831 |
| Net charge-offs to loans | 2.5633% | 667 |
| Credit loss provision to net charge-offs | 90.1028% | 4,920 |
| Earnings coverage of net charge-offs (x) | -0.8136% | 6,183 |
| Efficiency ratio | 185.3560% | 234 |
| Assets per employee ($millions) | 4.3707% | 2,988 |
| Cash dividends to net income (ytd only)* | -2.2765% | 7,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8639% | 1,877 |
| Loan loss allowance to noncurrent loans | 34.7495% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 11.0125% | 230 |
| Noncurrent loans to loans | 5.3638% | 1,098 |
| Net loans and leases to total assets | 67.3484% | 4,281 |
| Net loans and leases to deposits | 74.7635% | 5,346 |
| Net loans and leases to core deposits | 119.4369% | 2,419 |
| Total domestic deposits to total assets | 90.0820% | 795 |
| Equity capital to assets | 7.0755% | 7,564 |
| Core capital (leverage) ratio | 6.8207% | 7,643 |
| Tier 1 risk-based capital ratio | 8.8910% | 7,745 |
| Total risk-based capital ratio | 10.1459% | 7,785 |
| Memoranda: | ||
| Average total assets | $435,838,330 | 1,623 |
| Average earning assets | $380,151,330 | 1,700 |
| Average equity | $34,185,670 | 1,981 |
| Average total loans | $303,519,000 | 1,629 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 6,549 |
| Cost of funding earning assets | 3.1153% | 441 |
| Net interest margin | 2.0198% | 7,887 |
| Noninterest income to average assets | -0.0091% | 8,093 |
| Noninterest expense to average assets | 3.0440% | 3,576 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.2631% | 7,397 |
| Return on assets (ROA) | -1.2631% | 7,414 |
| Pretax return on assets | -1.2803% | 7,289 |
| Return on Equity (ROE) | -15.3804% | 7,617 |
| Retained earnings to average equity (ytd only) | -17.0452% | 7,539 |
| Net charge-offs to loans | 0.8586% | 1,523 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -2.1263% | 5,476 |
| Efficiency ratio | 172.5873% | 267 |
| Assets per employee ($millions) | 4.2851% | 3,106 |
| Cash dividends to net income (ytd only)* | -10.8244% | 8,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7221% | 2,068 |
| Loan loss allowance to noncurrent loans | 26.0221% | 6,839 |
| Noncurrent assets plus other real estate owned to assets | 10.4608% | 208 |
| Noncurrent loans to loans | 6.6180% | 646 |
| Net loans and leases to total assets | 67.1503% | 4,313 |
| Net loans and leases to deposits | 75.3756% | 5,300 |
| Net loans and leases to core deposits | 119.6275% | 2,451 |
| Total domestic deposits to total assets | 89.0875% | 1,192 |
| Equity capital to assets | 8.1265% | 6,638 |
| Core capital (leverage) ratio | 7.8560% | 6,679 |
| Tier 1 risk-based capital ratio | 9.9780% | 6,952 |
| Total risk-based capital ratio | 11.2309% | 6,849 |
| Memoranda: | ||
| Average total assets | $441,780,000 | 1,607 |
| Average earning assets | $387,769,500 | 1,687 |
| Average equity | $36,280,000 | 1,884 |
| Average total loans | $309,803,500 | 1,611 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0358% | 5,390 |
| Cost of funding earning assets | 3.2969% | 940 |
| Net interest margin | 2.7388% | 7,431 |
| Noninterest income to average assets | 0.4484% | 5,050 |
| Noninterest expense to average assets | 2.4030% | 6,380 |
| Loan and lease loss provision to assets | 1.0859% | 1,334 |
| Net operating income to assets | -0.2362% | 6,663 |
| Return on assets (ROA) | -0.2362% | 6,508 |
| Pretax return on assets | -0.5078% | 6,660 |
| Return on Equity (ROE) | -2.8168% | 6,596 |
| Retained earnings to average equity (ytd only) | -4.4100% | 6,405 |
| Net charge-offs to loans | 0.9365% | 1,319 |
| Credit loss provision to net charge-offs | 159.3720% | 3,243 |
| Earnings coverage of net charge-offs (x) | 0.8484% | 5,722 |
| Efficiency ratio | 80.6078% | 2,518 |
| Assets per employee ($millions) | 4.3773% | 2,830 |
| Cash dividends to net income (ytd only)* | -56.5619% | 8,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8095% | 1,607 |
| Loan loss allowance to noncurrent loans | 23.1893% | 7,094 |
| Noncurrent assets plus other real estate owned to assets | 8.9603% | 227 |
| Noncurrent loans to loans | 7.8033% | 354 |
| Net loans and leases to total assets | 70.5867% | 3,886 |
| Net loans and leases to deposits | 79.6386% | 5,108 |
| Net loans and leases to core deposits | 124.8453% | 2,262 |
| Total domestic deposits to total assets | 88.6338% | 1,191 |
| Equity capital to assets | 8.2962% | 6,429 |
| Core capital (leverage) ratio | 8.1368% | 6,271 |
| Tier 1 risk-based capital ratio | 10.0669% | 6,666 |
| Total risk-based capital ratio | 11.3214% | 6,538 |
| Memoranda: | ||
| Average total assets | $458,054,200 | 1,496 |
| Average earning assets | $423,573,600 | 1,473 |
| Average equity | $38,412,400 | 1,757 |
| Average total loans | $333,270,600 | 1,460 |